Before the complicated developments of the Covid 19 epidemic, many people choose to pay online instead of paying in cash to avoid contact with crowded places.
On each cash coin, there are about 3,000 different bacteria living, potentially causing infectious diseases. Not to mention, paying in cash requires person-to-person contact. Meanwhile, online payment is a trend chosen by many people because of its safety, speed and security.
In recent days, the whole country has continuously recorded a record increase of Covid-19 cases, many consumers have begun to change the way they go to the media market, instead sitting at home still “shopping online” quickly.
Previously, Ms. Nguyen Thanh Thao, who lives in District 3, Ho Chi Minh City, used to get up early to go to the market, but in recent weeks, her family has begun to gradually switch to online shopping. In particular, after District 3 recorded Covid-19 cases, she limited going out and promoted online shopping more. Thao shared: “After breakfast, I took advantage of “going to the online market”. In less than 2 hours, the food is delivered to my home, carefully preserved and fresh, I can keep it in the refrigerator for a week to eat and drink, avoiding crowded places.
In fact, non-cash payment is a current development trend, especially during the Covid-19 season, this form is chosen by many people because of its superiority in fast, safe payment speed. security and limit direct person-to-person contact. “I have been using online payment methods for many years now. Not only shopping but also paying bills for electricity, water, phone bills, etc., I also do it through Nam A Bank’s Open Banking app, which is very fast and convenient” (Ms. Thanh Mai, resident of Binh Tan District).
At the same time, in order to encourage users to transact online, banks also “accelerated” the digital transformation process to bring the most useful financial solutions to customers. At the same time, banks also waive many kinds of fees to encourage customers to use. 
In addition, the Bank also has many preferential activities for customers using the services on this application. Using Happy Digital card right on Open Banking without keeping the card in the wallet, without worrying about losing the card, customers also get up to 10% cashback on transactions. Especially, from June 2021 to the end of 2021, Nam A Bank credit cardholders will receive a discount of up to 500,000 VND when shopping online at Tiki e-commerce site. Or this bank is encouraging customers to save online with a higher difference at the counter from 0.05 to 0.8 percentage points. The highest online savings interest rate is 6.8%/year for a term of 13 months or more. This is a profitable, safe and stable investment channel with competitive interest rates… According to information from the State Bank at a recent press conference, electronic payments via the Internet, mobile phones, and QR codes have achieved remarkable results, attracting a large number of customers to use. Compared to the same period in the first 3 months of 2020, transactions via the Internet channel reached 156.2 million items with a value of 8.1 million billion (up 55.9% in quantity and 28.4% respectively in value). ; transactions via mobile phone channel reached 395.05 million items with a value of more than 4.6 million billion VND (increasing respectively 78% in quantity and 103% in value); transactions via QR code channel reached 5.3 million items with a value of VND 4,479 billion (up 83% in quantity and 146% in value respectively)….
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