Confusion is a waste of money
Those who have been trading in markets, opening small stores or doing freelance business are familiar with the scene of "holding a tray, holding a phone, taking care of a book".
In the context of increasingly popular transfer payments, traders have often fallen into confusion: Customers report transferring money without seeing messages, or when the restaurant is crowded, they cannot check in time. A lack of attention can lead to misunderstandings, loss of reputation, and even loss of money.
Ms. Hanh Van, owner of a bun oc restaurant in Dong Xuan market (Hanoi), confided that after nearly 10 years of selling, she has never been used to the scene of "one hand taking care of the kitchen, one hand checking the money". The shop is small, without a customer, all the work she does herself often causes mistakes.
"There are days when there are many customers, I drink noodles while looking at my phone. Some customers have said they have transferred but have not seen it yet, so they have to ask for their account number to check. It takes time and is scary about customers, she said.
Ms. Van's case is not unique, work pressure, lack of supporting personnel, noisy space make it easier for sellers to miss transaction notices, and more dangerously, it will unintentionally create loopholes for scammers to attack.
According to experts in the financial and banking sector, the scams of the subjects are increasingly sophisticated, from forging screenshots of successful bank transfers, transferring the wrong amount of money and then finding ways to refund the difference, to taking advantage of crowded times to "go away" and not pay.
Recently, there has been a situation of sticking fraudulent QR codes overlapping with the real code of the restaurant, causing customers' money to fall straight into the pockets of bad guys. If not detected in time, traders may "los" all day's revenue.
This is an issue that is being strongly warned by the press and authorities, signaling the urgent need for safer and more transparent support tools for small businesses, especially in the current rapidly developing digital environment.
"Sking off" safety thanks to digital technology
To deal with payment fraud, many traders are forced to handle it with manual measures such as hiring more people, asking customers to pay in advance, or only receiving cash.
However, these methods are only temporary, ineffective and cannot completely prevent fraud tricks. In the digital business era, patchwork solutions are not only less effective but also increase the burden on sellers and create more obvious risks.
In order to support traders, many financial institutions have introduced technology devices to announce balance changes by sound (Voice Payment).
For example, SHB payment speakers are a prominent solution. With a compact design, connected directly to a bank account via Wi-Fi or 4G, the device will output a notification sound every time a transaction is successful. Thanks to that, sellers do not need to check their phones or banking applications to know exactly where the money is, avoiding confusion or fraud.
The difference of SHB speakers compared to other devices is that the money is transferred directly to SHB accounts, not through intermediaries such as e-wallets, so there is no need to worry about having money held or losing any arising fees.
The QR code is clearly displayed on the LED screen, without being blurred, and can be integrated with sales software to create a convenient dynamic QR. The device is easy to activate through the SHB SAHA digital banking application, allowing flexible volume adjustment and listening to the most recent transactions.
Mr. Tuan - the owner of a small coffee shop in Hai Phong - was repeatedly in trouble because he could not check the transaction in time. Since using SHB payment speakers, work has become more convenient. Every time a customer transfers money, the loudspeaker automatically reads: Tinggg. Money back... look after the fields". Mr. Tuan shared happily: "The small loudspeaker has a martial arts, as if it has an assistant by its side. Hearing "ting ting" means knowing the money, I can feel secure serving customers!
Many attractive incentives are waiting
In order to accompany business households in modernizing payment methods, from now until December 31, 2025, SHB will launch an attractive incentive program "Easy transactions, receive gifts with SHB Loa". Accordingly, the first 1,000 customers to open a payment account and register for the SHB Payment Line service package will be given 68,000 VND in cash - as a "otch" wish at the beginning of the year, at the beginning of the digital transformation journey.
Not stopping there, when there are at least 10 transactions recorded via QR Code (from at least 3 different accounts, each transaction from 100,000 VND) and maintaining an average balance of 3,000,000 VND, customers will also receive an additional E-voucher worth 100,000 VND.
Traders who register for 3/12 month service packages will receive an additional 1 to 4 months of use, helping to significantly save on equipment rental or purchase costs. In particular, the first 500 customers who commit to maintaining the account balance according to regulations will also receive a full 12-month experience package - including speakers, SIM, free data - with no additional fees.
SHB representative affirmed: "With payment speakers, we not only provide smart tools to help traders easily confirm transactions, manage cash flow, and fight fraud, but also contribute to bringing businesses closer to the trend of comprehensive digital transformation according to the Government's roadmap."
With reasonable costs, simple use and practical incentives, SHB payment speakers are gradually becoming effective assistants for thousands of traders, from small roadside wineries to stalls in traditional markets. Now, every time we "ting ting" is not only the sound of the money coming back, but also the peace of mind in business.
