TPBank launches a set of solutions to support business households and SMEs

With an integrated solution package from loans to business administration, Tien Phong Commercial Joint Stock Bank (TPBank) hopes to accompany business households and small and medium enterprises (SMEs) to overcome challenges and improve efficiency in a digitally competitive environment.

Customers can register to use TPBank services right on the online platform, quickly and conveniently.

From management worries to a companion "digital assistant"

As a small trader at Ha Dong market, Ms. Nguyen Thi Hong sells goods and constantly checks notebooks, invoices, and change. Ms. Hong said that every day there are dozens of customers, but many times there are mistakes in the excess, shortage, or forgetting to record the money, at the end of the day, adding up the total, they don't know how much profit or loss they have.

Receiving payments is also not simple, customers who want to transfer money have to check the long account number, while many regular customers are still used to using cash.

These difficulties are a common reality for millions of business households and small businesses. They are dynamic, contributing significantly to the economy, but often lack professional management tools, taking care of capital, accounting procedures and taxes. In that context, the emergence of comprehensive financial technology solutions from banks is considered a "solution" to help reduce operational pressure.

TPBank has just introduced a comprehensive solution set "Smooth Management - Top Business", integrating financial services, payment tools, sales management software to electronic invoices. The notable point is that the solution set does not separate each individual utility, but connects into an ecosystem so that businesses and SMEs can manage capital, receive payments, control cash flow and fulfill tax obligations right on one platform.

A representative of TPBank said that the Bank hopes that each SME customer and business household when coming to TPBank will not only find financial solutions, but also have a "digital assistant" to accompany them. This product set includes a beautiful account number worth up to 25 million VND, a Visa Debit mPLUS non-physical card with advertising spending incentives, a flexible loan package on the application up to 12 million VND in just a few steps, and especially a business production loan of up to 3 billion VND with an interest rate from 2.9% per year.

Effectiveness from a real story

Returning to Ms. Hong's story, after researching, she registered for TPBank's QR and SoftPOS payment service. From then on, customers only need to scan the code to complete the transaction, she no longer worries about mistakes or losing money. Every time there is a new transaction, the balance notification speaker located right at the counter makes a sound, giving her peace of mind because she has not missed any payment. The accompanying sales management software helps her know how much she sold today and what the remaining inventory is, instead of a handwritten notebook that is prone to errors.

“Previously, at the end of the month, when adding up the books and adding up the calculator, it was still confusing. Now, just open the application, all the data is clearly displayed. I can focus on selling, no longer have a headache because of management,” said Ms. Hong.

Not only stopping at traditional retail, many SME businesses in the service and e-commerce sectors also benefit from the new solution set. The integration of electronic invoices, digital signatures and tax declaration support helps them save time on procedures, while improving professionalism in transactions with partners. A small business owner in the transportation sector said that in the past, they had to outsource accounting services, but now most of the procedures can be handled online, significantly reducing costs.

TPBank representative emphasized that the integration of electronic invoice solutions and tax support not only meets legal regulations but also helps SME customers and business households enhance their professional image, creating trust with partners and customers.

TPBank's big difference lies in the way the bank builds a connected ecosystem. Instead of just providing capital, TPBank also provides operational tools, helping customers not only have more money to do business, but also have a more effective way of managing. This is clearly shown in the new competitive trend of the banking industry, when convenience and the ability to accompany customers are no less important than interest rates.

In small shops like Ms. Hong's or SME businesses with a few dozen employees, the benefits of smooth management, quick payments, and transparent invoices and taxes are of great value. By combining technology and finance, TPBank is turning operational challenges into opportunities to improve efficiency, helping customers focus more on their core business.