New trends in the personal finance market
The latest survey on personal financial management and personal financial planning for 2023 - 2024 conducted by the Vietnam Financial Consulting Association shows that more than 80% of survey participants admitted to not having any knowledge or skills in financial management and personal financial planning or only having basic and preliminary knowledge. 43.27% of survey participants have experienced financial losses (including subjective losses (35.17%) and objective losses (35.06%). 93.44% of survey participants expressed interest, quite interested and very interested in personal financial management and personal financial planning. More than half of the survey participants (55.18%) wanted to access information from reputable financial institutions.
According to Dr. Nguyen Tri Hieu, an economic expert, the above data shows that the need to receive information about personal finance quickly, accurately, fully and reliably is very large. However, the constant development and increase in the quantity and quality of banks and financial companies makes this market predicted to be more severe than ever.
service providers must not only provide information but always promptly grasp trends to meet the constantly increasing demand as well as upgrade customer experience. And the "connection" between businesses and customers is calling the names of the staff," said Dr. Hieu. Accordingly, to compete, banks and financial companies must ensure that their consulting team has solid knowledge and professional skills.
The foundation of a business comes from people
If businesses do not have human resources, other resources cannot be fully promoted to achieve common development goals. Happy Money has focused on building a human-based platform. First of all, it is necessary to mention the work of recruiting and training human resources.
Unlike material resources that can be depleted and worn out over time, human resources can be continuously trained and developed. By investing in training and development, Happy Money has implemented courses to help new employees integrate and understand the company with human resources policies and operating procedures.
Training courses on professional knowledge and soft skills for experienced and licensed employees at Happy Money aim to strengthen professional knowledge and improve soft skills for employees. Coordinate with human resource management students and training and governance experts to organize courses to improve human resources.
The ultimate value of training efforts is to nurture corporate culture and maintain sustainable development. Therefore, our 2025 training strategy is to focus on soft skills training courses for the entire team, said CEO Ro Min Ho of Happy Money.
Notable information from the report of Navigos Group (the leading human resource recruitment brand in Vietnam) has just been announced that in 2025, workers will have priority salary (78.92%), promotion opportunities (37.09%) and bonus policies (28.19%).
Regarding this issue, Happy Money General Director said that the company also implements welfare policies such as bonuses and incentives for excellent employees; clear promotion policies and roadmaps to help employees have development goals. In addition, there are internal activities to improve spiritual life, increase connectivity and health care programs.
A touching point throughout the customer journey
Mr. Ro Min Ho shared that the personnel of the transaction office is a constant touchpoint in the customer experience journey. That is the reason why the consulting team is the "subject" prioritized in the human resource development strategy.
Customer experience and human resources are two closely related factors. Building a good human resource management strategy helps improve customer experience, brings loyal customers and helps businesses achieve business goals as well as reputation, quoted by Happy Money CEO, Mr. Ro Min Ho.
He also shared: The 21st century is the century of technology and there are also many opinions that artificial intelligence will replace humans. However, I think that the values from human emotions are things that technology cannot replace. That is why Happy Money always tries to build and enrich human resources to bring positive experiences as well as make a difference in Happy Money's perspective from customers' perspective".
