On the morning of June 18, in Ho Chi Minh City, Vietnam Prosperity Joint Stock Commercial Bank ( VPBank ) in collaboration with T-Van Hilo Services Joint Stock Company and Vina Investment, Development and Technology Transfer Company Limited (Vinatti) organized a seminar dedicated to individual business households who are on the journey of transforming into small and medium enterprises (SMEs), as well as newly established businesses.
Solving the conversion problem for business households
Many small businesses and households still face many barriers in accessing digital transformation solutions such as electronic invoices, digital signatures, sales software, or modern financial and banking services. The lack of appropriate operating tools and initial financial resources has made the "transformation" process of this customer group difficult. In the context of the Government promoting the transformation of household businesses into enterprises with a series of incentive policies, along with changes in consumer behavior and requirements for information transparency from partners, the formation of a comprehensive support ecosystem is extremely urgent.
Speaking at the seminar, Mr. Chu Minh Tuan, Director of VPBankSME Digital Product and Payment Solution Business Center, said that this cooperation between VPBankSME and Hilo is the next step after many previous successful projects, but more special in that this time they focus on the group of business households in the process of transforming into SME enterprises. This is a particularly sensitive stage, requiring comprehensive support from capital, technology to legal procedures.
VPBankSME representative also emphasized the long-term benefits of converting from a household business to an enterprise such as easier access to larger capital sources, transparent operations, effective cash flow management methods, and being in line with the trend of digitalization and integration.
According to Mr. Chu Minh Tuan, the bank owns a set of modern and comprehensive financial solutions, helping businesses easily manage cash flow and optimize costs, operations such as VPBank NEOBiz, QR Payment solution, loan packages tailored and designed for each customer. In particular, businesses will experience a 100% online operating process, without having to go to a branch or transaction counter but can still use all products and services of VPBankSME.
Comprehensive solution package from legal, technology to finance
When a household business converts to an enterprise, it is not only the license that matters but also how the business is run. Without the right tools, many small businesses can easily get confused about accounting, invoices, tax declarations, inventory management or cash flow. Accordingly, VPBankSME, Hilo and Vinatti have joined hands to provide an “all-in-one” integrated solution package, aiming to provide comprehensive support for the group of household businesses ready to convert to enterprises.
The “all-in-one” integrated solution is built on the spirit of minimizing barriers and input costs for business households. Specifically, Hilo is responsible for legal and technological conversion: supporting customers in carrying out procedures to become a business from registration documents, tax codes, electronic invoices, digital signatures to sales software and management accounting.
Mr. Nguyen Ha Truong Hai, Hilo Operations Director, shared: “Hilo will accompany customers from AZ in the conversion process: from legal documents, tax codes, to electronic invoices, sales software. And thanks to VPBankSME's financial support, and Vinatti's operational support, businesses almost do not have to worry about the initial barriers."
From a financial perspective, VPBankSME offers many outstanding incentives to customers participating in the program, including opening an eKYC business account in just a few minutes, accessing unsecured loans of up to VND 500 million in the VND 10,000 billion support package. Notably, businesses that successfully convert from business households will enjoy preferential interest rates reduced by 1% compared to normal. In addition, VPBankSME also introduces an online overdraft package with competitive interest rates, suitable for customers who need flexible working capital.
Along with that is the QR Payment solution - a modern solution that helps sellers only need to use a single QR code to accept payment from a variety of customer sources, from bank transfers, e-wallets to credit cards, simplifying operations, saving initial investment costs and especially suitable for small stores and new businesses.
Contributing to the completion of the support solution package, Vinatti introduces a balance fluctuation notification speaker product with many upgraded features compared to the popular products currently on the market. Unlike current speaker lines that only broadcast notifications when there is a transfer, Vinatti speakers are integrated with the function of recording revenue from cash transactions right at the point of sale, helping to make the entire daily cash flow transparent.
Mr. Vu Quoc Dung, General Director of Vinatti said: “We have developed a separate incentive policy applicable to business households and SME enterprises of VPBank and Hilo, with discounts of up to 30% compared to the listed price, along with installation services, bank connection and 24/7 technical support.”
The combination of VPBankSME, Hilo and Vinatti not only opens up favorable transformation opportunities for millions of business households nationwide, but also contributes to promoting comprehensive digitalization, expanding financial inclusion and enhancing competitiveness for the Vietnamese business ecosystem.
For more information, please contact hotline 1900 234 568 or visit website www.vpbank.com.vn/doanh-nghiep-vua-va-nho
Source: https://baodaknong.vn/vpbanksme-bat-tay-hilo-vinatti-ho-tro-ho-kinh-doanh-chuyen-doi-mo-hinh-256258.html
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