Currently, the digital banking systems of banks can help customers perform online financial transactions on holidays, like normal days. However, if digital banking combines with 24/7 ATMs, it will create an even more perfect “duo” with diverse forms of financial transactions such as cash deposits/withdrawals, transfers, payments, card opening, and savings in a simple, fast, and smooth manner. Digimi and Digimi+ of BVBank are typical examples.
In the past, during the Lunar New Year holiday, many people used to have the habit of buying things before the holiday, limiting their spending during the holiday to avoid losing their luck. However, the current trend has changed, many people no longer hoard too much but spend according to their needs. Shopping during the Lunar New Year has become normal in recent years and e-commerce platforms have been very responsive to this demand. For traditional businesses, many shops and traders in fast-moving consumer goods, food and beverage services, and entertainment also take advantage of the Lunar New Year days to kick off the first business season of the new year. Using digital banking services like Digimi ensures smooth and fast payment, which encourages more people to confidently and comfortably spend more during the holiday season.
Ms. Ngoc Hoa (25 years old), an employee of a media company in Ho Chi Minh City, shared: “To me, the Lunar New Year is a long holiday to rest and relax with my family and do the things I love. I don’t have time to shop before the holiday, it’s only during the days leading up to and during the Lunar New Year that I have free time to enjoy the shopping frenzy and place orders. I have been using Digimi digital banking for 2 years and no longer worry about making payments even during holidays. Especially recently, Digimi has introduced many utilities such as transferring money via phone number, QR code… just by scanning the QR code, I can make quick and smooth payments, which makes my shopping experience even more enjoyable.”
In addition, during the holiday season, users can celebrate their age/give lucky money to distant relatives and friends with the lucky money feature and Lunar New Year wishes on Digimi.
Choosing to use Digimi digital banking services, Mr. Hong Ky, the owner of a dining establishment in Da Nang, shared: “I’ve been using Digimi for 2 years and during the holidays, I truly appreciate the utilities that the digital banking platform has provided for my businesses. I have 2 dining establishments and holidays are always the peak season for my business. Digimi’s utilities such as daily transaction statistics, creating QR codes for customers to transfer money, especially the feature of sharing account balance fluctuations across multiple accounts have greatly supported my cash flow management throughout the day. My employees at the shops no longer need to make calls to check the account balance when customers make transfers, they can directly see the notifications on their own accounts when I share the information. What I appreciate even more is using Digimi+ ATMs to deposit cash into my 247 account after each business day. Currently, payment methods are quite diverse, there are customers who transfer money but there are also customers who prefer to pay in cash, so the amount of cash at the end of the day is quite large. It’s not safe to keep it at home, so at the end of each day, I deposit the shop’s cash into Digimi+ without having to go to the counter.”
Digimi+ is the extended arm of the Digimi digital banking platform, creating an ecosystem of ATMs to help customers transact with the bank in the most convenient and fastest way. With the Digimi+ ATMs, customers can transfer money, check balances, print transaction receipts, change PINs, issue cards quickly… They can also deposit and withdraw cash using ID cards and (ATM, credit) cards as well as scan QR codes with the Digimi digital banking app. The maximum deposit amount is up to 100 million VND per transaction, and there is no limit to the number of deposits per day. For cash withdrawals, the limit is 10 million VND per transaction and a maximum of 100 million VND per day. Customers can deposit money into their own accounts or other accounts within the BVBank system.
Digimi+ has now been deployed in nearly 30 self-service transaction points in major cities such as Ho Chi Minh City, Hanoi, Da Nang, Binh Duong, Can Tho, An Giang, Nghe An, Dong Nai, Bac Ninh, Gia Lai…
The usefulness of digital banking and 247 ATMs is most clearly seen when traditional bank branches are closed during the Lunar New Year holiday. In addition to providing convenience and comfort for users when using financial transactions, what makes digital banking stand out to most customers is that all transactions from fast 24/7 money transfers to service usage fees, account maintenance fees, card issuance fees, annual card fees… are all free of charge, even on normal days or during holidays.
