Resolution 57-NQ/TW of the Politburo emphasizes: developing science, technology and digital transformation is one of the top strategic breakthroughs to rapidly develop modern productive forces, innovate growth models and perfect national governance methods.
At the same time, in the spirit of Resolution 59-NQ/TW of the Politburo on international cooperation orientation, the development of digital finance and e-commerce is the key to enhancing national competitiveness, participating more deeply in the global value chain. Therefore, the banking industry has become a bridge, a driving force for digital transformation of the whole society, in which cashless payments are an inevitable trend with the development of technology and digital finance.
Cashless payments not only help improve the convenient experience quickly, but also increase transparency, efficiency and safety in financial transactions, effectively prevent fraud, thereby promoting the construction of a modern digital economy, comprehensively digitizing production - business activities and State management.
To further promote the needs and benefits of cashless payments, banks including SHB are constantly launching initiatives and digital financial solutions, while developing a synchronous digital infrastructure, promoting the application of technology and comprehensive digital transformation.
SHB and a series of solutions to promote cashless payments
Recently, SHB introduced the new generation digital banking application - SHB SAHA, a comprehensive upgrade version compared to SHB Mobile.
SAHA is a smart digital banking platform with a series of complete digital services, meeting all basic daily financial needs without having to go to the transaction counter. With just a few hand-touches after successful registration, users can easily transfer money, receive money, deposit savings, pay convenient bills, pay road fees... even open an international card, borrow money online 24/7 or invest profitably, insurance.
All are fast, convenient and completely free wherever you are. This is a breakthrough in SHB's digital transformation strategy, aiming for an unlimited bank, serving the maximum financial needs of anytime, anywhere for users in the 4.0 era.
Right at the Ting Ting Day Festival event, part of the series of activities on the cashless Day 2025, the SHB SAHA application received great attention from customers participating in downloading the application and providing a convenient and modern payment experience.
Customers who download the application, open an account and generate payment transactions or open a savings account will immediately receive valuable gifts such as balls and jerseys signed by famous Barcelona football club players, Manchester City club jerseys, teddy bears, hats, shirts, fabric bags, thermal bottles, handheld mini fans...
In just 2 days of the event, SHB's booth at the event attracted thousands of visits and opened new accounts, especially young people who love technology and customers who prefer streamlining and modernity.
Solutions to promote cashless payments are one of SHB's orientations in its digital transformation journey, closely following the policies of the Party and Government and contributing to the development of the digital economy.
In recent years, the proportion of transactions via digital channels and online platforms of SHB has continuously increased in the leading group of the industry. To date, more than 95% of SHB's operations and processes have been digitized. More than 98% of transactions of individual and corporate customers are conducted entirely through digital channels Mobile banking, Internet banking.
In addition to promoting cashless payments to individual customers, SHB accompanies the promotion of digital transformation with businesses, public administration units, and public administration with dozens of partners such as schools, hospitals, and medical centers nationwide.
Among the specialized digital financial products that help optimize operational efficiency and integrated payment solutions for public administration units, public administration introduced by SHB at the Banking Digital Transformation Festival is a typical mark. The solution allows patients to pay hospital fees via QR code right at the counter or on the examination form using the bank's Mobile Banking application.
Comprehensive digital transformation, realizing future banking
With a vision towards the Bank of the Future model, SHB will gradually create more solutions and services to serve people, businesses, administrative units and the country.
Bank of the Future will fully integrate modern, leading technology platforms such as AI, Big Data, machine Learning... into all processes, solutions, services, products.
The model is expected to comprehensively change SHB's competitiveness, customer service capacity and bring important results in 2025 and 2026, including: advanced digital services, digitalizing customer journeys... enhancing stability and the ability to expand technology infrastructure, while promoting the development capacity of advanced products and solutions.
In the 2024-2028 transformation strategy, SHB aims to become TOP 1 Bank in terms of efficiency; Most Favorite Digital Bank; Best Retail Bank and also being the TOP Bank leading in providing capital, financial products and services to private and state-owned strategic corporate customers, with supply chains, value chains, ecosystems, and green development. Vision to 2035, SHB will become a modern retail bank, a green bank, and a digital bank in the TOP of the region.
SHB's transformation journey is contributing to innovation, application of science and technology of the country in general and the banking industry in particular. SHB will continue to promote its role and position as a leading financial institution, accompanying the country into a new era - the era of national growth.
