From challenge to opportunity: Sacombank accompanies businesses in digital transformation

(Dan Tri) - Not only stopping at providing financial services, Sacombank also cooperates with partners to bring a series of technology solutions to each store, supporting individual businesses, business households, and small traders in digital transformation.

Ms. Nguyen Thi Lan, a fruit vendor at Tan Dinh Market (HCMC), said she was confused when she heard that she had to use electronic invoices that directly connected to the tax authorities. At over 60 years old, with a modest monthly income, she was worried that the cost of software, equipment and declaration procedures would exceed her ability.

“I am only used to writing in notebooks, so hearing about new technology and taxes makes me scared, and I think it will cost a lot if I have to buy more equipment,” Ms. Lan shared.

Many traders at Tan Dinh market have access to electronic invoices thanks to the support of Sacombank .

Ms. Lan's story is also the common reality of many small businesses struggling to adapt to the digitalization process.

“Despite many difficulties, with their flexibility and high adaptability, individuals and business households are affirming their position as economic drivers with great potential, high strength and stability. In addition to support from the State, organizations such as banks and technology companies will also play an important role, helping small traders turn challenges into opportunities for more sustainable development,” Ms. Nguyen Phuong Huyen - Director of Sacombank Personal Customer Division - shared.

In fact, many policies from macro to practical have been implemented to help small traders more conveniently in the digitalization process. Sacombank has also proactively accompanied business households by directly going to markets and stores to listen, advise and deploy appropriate solutions. The bank supports account opening, QR code issuance, equipment installation and instructions on how to use Sacombank Pay, helping small traders get used to cashless payments, conveniently manage income and expenditure and do business more securely.

"Even though my children have shown me many times, I still feel confused when I hear about cashless payments or banking applications. Luckily, a Sacombank employee came to guide me step by step, otherwise I would not have dared to do it. Now everything is in order, I feel more secure," Ms. Nguyen Thi Lan shared.

For stores that are used to using technology such as coffee chains, pharmacies or grocery stores, the challenge is no longer getting used to digital tools but in managing operations and maintaining flexible capital flows. To solve this, Sacombank cooperates with partners such as MISA , NextPay, etc. to provide 12 months of free comprehensive solutions from cash flow management, funds, debts to connecting electronic invoice software, accounting, digital signatures. At the same time, the bank integrates sales management on multiple platforms from stores to e-commerce sites; supports inventory management, employees, customers, etc.

Sacombank is also ready to support timely capital for business households through flexible loans with preferential interest rates, simple procedures, and quick disbursement. With sudden capital needs, customers can use unsecured overdrafts to proactively rotate business capital.

“The characteristic of a grocery store is that it constantly imports goods, especially before each holiday, costs increase while sales revenue is slow. Timely working capital helps me maintain a full supply of goods and not miss business opportunities,” said Mr. Nguyen Anh Minh, owner of a grocery store in Dong Nai.

For business households converting to enterprises, Sacombank provides a full package of specialized account services, from payment accounts, corporate cards, e-banking services, internal and external transfers..., to online tax payment - creating a foundation for customers to start a more professional and effective business journey.

Shop owners have confidently converted to business models, creating momentum for business breakthroughs in the coming period.

“Converting to a business model is the direction we have long wanted, but barriers in terms of capital, legality, technology and especially costs are still big challenges. However, with new policies from management agencies and the support of banks, everything is gradually becoming more favorable,” shared Ms. La Xuan Hien - owner of an F&B business in Hanoi, who has just converted from a household business model.

With comprehensive solutions, Sacombank helps business households overcome three major barriers: finance, technology and legal. This support not only helps them overcome difficulties in operations and compliance with regulations, but also brings practical benefits: increased revenue, cost savings and more professional management.

“Sacombank not only provides tools but also brings peace of mind and motivation for businesses to confidently develop. We are committed to accompanying businesses and small traders at every stage, from the beginning to sustainable development in the digital age,” Ms. Nguyen Phuong Huyen emphasized.

Readers can visit the website or contact hotline 1800 5858 88 (free) for specific advice and direct support.

Source: https://dantri.com.vn/kinh-doanh/tu-thach-thuc-den-co-hoi-sacombank-dong-hanh-cung-ho-kinh-doanh-chuyen-doi-so-20250909150152630.htm