A recent survey revealed that 8 out of 10 people still use the same personal account for both their business and personal finances. This leads to a lack of privacy and control, with employees having access to account information and balances, and a delay in transaction notifications. It also becomes challenging to manage multiple branches and track finances when expanding a business.
With the upcoming mandatory implementation of electronic invoicing and the phasing out of tax quotas, these issues could lead to confusion and even penalties for small business owners who struggle to manage their cash flow, transactions, and invoices.
The challenge for shop owners is finding a suitable management tool that aligns with their operational habits. Many available tools are either too simple to be effective or too complex for small businesses to navigate.
“I had to constantly check my balance and take screenshots to show my employees, which was inconvenient and time-consuming,” shared Minh, a long-time owner of a bun riêu restaurant in District 6. “I didn’t feel comfortable sharing my account balance with my staff, but if I didn’t, they wouldn’t know whether a customer’s payment had gone through.”
Learning accounting software takes time, and managing multiple income streams can be daunting. A financial platform that truly wants to support small businesses must start by understanding these common pain points.
ACB has taken a step forward by enhancing its Đồng Minh Thông Thái solution, offering a financial ecosystem that goes beyond a simple bank account. This ecosystem addresses the needs of small businesses, from cash flow and personnel management to information security.
ACB introduces new features to tackle shop owners’ challenges
The latest upgrade to Đồng Minh Thông Thái brings notable improvements. One of the first highlights is the ability to choose a business account number based on personal preference or feng shui, a unique feature in the market. Business owners can now easily obtain an account number that matches their birth date, phone number, or any other significant number at no additional cost. Lucky number sequences such as 6868 (lộc phát), 3979 (thần tài), 333 (tam hoa), 6666 (tứ quý), and 88888 (ngũ quý) are not only memorable and distinctive but are also believed to attract financial prosperity. ACB offers these special account numbers at exclusive rates for shop owners.
In addition to the existing features, such as allowing up to 10 employees to have access without revealing the account balance, automatically separating revenue by sales points, and supporting customized QR codes for payment, Đồng Minh Thông Thái now offers enhanced flexibility. It includes the ability to grant intermediate-level management access to revenue from multiple sales points and a diverse range of promotional materials suitable for various business models, including lanyards, desk displays, and stickers. ACB is the first bank to introduce this feature, making it easier to reconcile total revenue from different branches or sales platforms without accessing the main account balance.
ACB has also introduced a powerful new tool for shop owners: a transaction notification speaker with a voice feature designed according to the five elements of the oriental philosophy. This speaker allows shop owners to immediately confirm transactions as they occur, reducing the risk of fraud and saving time. Notably, the speaker only announces revenue from business activities and does not disclose personal transactions. It offers flexible connectivity via Wi-Fi or 4G and has a long-lasting battery life of up to 5 days, ensuring clear and audible notifications.
“With the new feature, I instantly hear a notification after each transaction, so there’s no need to keep checking,” Minh shared since upgrading to Đồng Minh Thông Thái. “I chose the account number 6868, which is easy to remember and brings me luck,” she added with a smile.
Smart order confirmation and more revealed during the livestream on June 12, 2025, at 7 PM on ACB’s Facebook and Tiktok
To empower small business owners to effectively utilize the new features within the Đồng Minh Thông Thái ecosystem, ACB will host an interactive livestream with the theme “Is Shop Management Easy?”. The program will recreate realistic scenarios that shop owners often encounter in their operations, covering revenue management, employee permissions, transaction verification, and more. It will also provide updates on the transition from tax quotas to electronic invoicing and offer guidance on how to prepare for this change efficiently and cost-effectively.
This event will offer small business owners access to practical digital tools and exclusive benefits from ACB and its partners for those who join the livestream.
Additionally, a “secret” guest will join the program, and a team of experts will be available to answer questions directly, providing diverse perspectives and practical advice for personal businesses.
Beyond the professional content, ACB will also offer limited-time promotions during the livestream, including:
– Exclusive deals (Merchant Deals) on the ACB Rewards system, in collaboration with well-known consumer brands such as Katinat, Phúc Long, % Arabica, Canifa, Ốc Trứng Muối, Thế Giới Nệm, Kênh Bà Châu, Pickleball Chuột Lang Nước, Lam Spa, Rosier Fresh Tea & Coffee, Cty CP Prowtech Int Vina, La Casa Del Habanos Restaurant, Samten Hills Dalat, Pizza Domino, “Vừng ơi mở ra” Tea House, bTaskee, Hoayeuthuong, KFC, Gong Cha, YODY, URBOX, Bakes, and Grand Castella; Be, and Socolatier;
– 300 Urbox vouchers worth 200,000 VND for the first 300 customers who open a Business Account during the livestream;
– Urbox vouchers worth 100,000 VND for customers who open a Payment Account at ACB;
– Opportunity to obtain a lucky account number, LỘC PHÁT, which is easy to remember, recognizable, and helps control revenue with just a few simple steps on the ACB ONE app
– Free OneDeli sales software and 50% discount on digital signatures and Minvoice invoicing
Through this program, ACB reaffirms its commitment to accompanying small businesses on their digital transformation journey, offering not just financial tools but also practical interaction and support.
Access ACB ONE – Choose to open a Business Account LỘC PHÁT and start smart operations today here
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Let me know if you would like me to tweak it further or provide additional suggestions.
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