SHB's optimal solution: Easy profit
Common payment accounts are gradually being upgraded globally: No longer just a place to store money for transactions, but becoming a "smart transit station" for cash flow. Today's users are not only concerned about where the money is placed, but also concerned about how much value the money can generate when it is not used, and whether that happens automatically, transparently, with little operation.
Placed in that context, SHB's idle profit generation upgrades the payment account to a new layer of value: When money is not needed, money can generate profit on its own; when transactions are needed, money is still ready to serve customers as a true payment account. Customers only need to turn on the function once on the SHB SAHA application, select a payment account and set a balance to maintain according to demand. When the balance in the account exceeds this threshold, the system will automatically transfer idle money to generate profit.
The first difference, and also the thing that customers are most interested in, is the efficiency of money use. If a regular payment account mainly serves transactions with a limited yield (termless interest rate), then idle profit is designed to optimize the amount of money exceeding the threshold.
Interest rates over time can reach 4.5%/year when maintained for 91 days or more; at the same time, customers can receive an additional maximum of 1.5%/year depending on the profitable balance, bringing the total maximum profit level to 6%/year. This is a very clear and easy-to-understand logic: Larger balance, longer maintenance time, better value received.
The second difference is the automatic mechanism. In the old financial habits, to optimize idle money, customers often have to decide on the time to withdraw - deposit, transfer money back and forth, or accept letting money lie still because they are reluctant to operate. With idle profit, SHB simplifies the entire process into a simple action: turning on the function on the application. After being activated, the system automatically tracks and processes the excess amount of money. Here, the difference is not only in getting more interest, but also that customers no longer need to "operate finance manually" every day.
The third difference, which is very important psychologically, is profitability but not flexibility. A profitable product will hardly reach the majority if it immediately makes customers think about being locked out of money or losing initiative when spending.
SHB's feature still allows customers to use money in their account when transactions are needed; when spending needs or financial obligations arise, the system will automatically process the profitable balance to ensure balance maintenance and payment needs. In other words, customers do not have to choose one of two between "flexible cash" and "profitable cash"; this feature is built to keep both in the same experience.
The ability to personalize according to the actual pace of life is the most easily recognizable advantage of this feature. Each person has a different spending needs: some people want to keep a fixed amount for daily life, some people want to have a reserve fund ready, and some people need flexible cash flow for business.
Instead of applying a rigid structure, Easy Profit allows users to set their own balance to maintain according to their own needs. This detail makes the feature closer to life than a regular payment account: not just a place to receive and transfer money, but a tool to help customers manage money in a way that suits their own life cycle.
That convenience comes from digital transformation, applying technology to bring a complete and transparent experience. The trend of digital finance in the world shows that users not only need smart products, but also need products that can be seen, tracked and controlled.
With Instant Profit, customers can track current interest, accumulated interest, interest receipt history, interest statement, transaction history... right on SHB SAHA. This is very important, because the peace of mind of today's customers comes not only from making a profit, but from knowing clearly where their money is, how much profit it generates and can check at any time.
If a regular payment account is a tool for transactions, then idle profit is the next development step of the same financial behavior: still keeping money in the account to live and spend as usual, but not accepting letting idle money stand still.
From this perspective, SHB's products touch the true spirit that is happening in many developed markets: money does not need to leave the daily banking experience to be optimized; conversely, in the familiar transaction account, customers are increasingly looking forward to new layers of value - more automatic, more flexible, more transparent and more useful for life.
Therefore, the most prominent thing about "Flax Profit" is not only an attractive interest rate. What is more noteworthy is that SHB is turning an account that is only familiar with the role of "holding money for use" into a more proactive financial experience: unused money can continue to work, and customers can be more relaxed in the story of managing cash flow every day.
That is also the core difference between a regular payment account and an account upgraded with new digital banking thinking: not only convenient for transactions, but also creating more value for each amount of money in it. SHB is transforming strongly and comprehensively to bring convenient and modern products to customers.
