From account opening, receiving QR payments, issuing electronic invoices to tax declaration and borrowing, a series of banks are deploying digital solutions to support business households in transitioning to a more transparent operating model.
No more manual recording or confusion between sales revenue and personal expenses, many business households are shifting to cash flow management on digital platforms.
Support from starting sales to expanding business
In response to Digital Finance Day 2026, on June 3, Vietcombank and the Tax Department, along with local tax authorities, held a signing ceremony for cooperation to support business households in transitioning to a transparent management model on a digital platform.
Through this cooperation, Vietcombank commits to accompanying business households throughout their entire operation process, from selling goods, receiving payments, and managing cash flow to filing and paying taxes electronically and accessing suitable loans.
A deputy director of the Tax Department stated that cooperation between tax authorities and commercial banks aims to support business households in transitioning from flat-rate tax to declaration-based tax, while promoting more transparent private economic development.
According to this official, the tax sector is moving towards connecting data between tax authorities, banks, and providers of electronic invoice solutions and sales software to form an ecosystem supporting business households.
When revenue and expense data is digitized and interconnected, tax authorities can build “suggested declarations,” allowing taxpayers to simply review and confirm information to fulfill their tax obligations.
“Using digital solution packages in business not only helps make revenue transparent and reduces compliance costs but also creates conditions for business households to access financial services more conveniently,” the official said.
A Vietcombank CEO stated that the bank is developing a friendly, convenient, and transparent digital solution ecosystem to promote cashless payments and support business households in operating more efficiently.
Accordingly, Vietcombank is deploying a solution ecosystem tailored to each stage of a business household’s operations. In the initial stage, the “Easy Start Selling” package supports opening payment accounts, offering free many digital transactions, and connecting with eTax Mobile for electronic tax payment.
When business operations become more stable, the “Clear Money Management” package helps business households separate personal and business cash flows directly on the VCB Digibank app. In a more professional operational stage, the VCB OneQR solution allows points of sale to use a single QR code to receive payments from both domestic and international customers.
“When revenue, cash flow, and invoices are recorded transparently through the bank, business households will access credit more easily. Based on customer payment cash flow, invoice quantity, invoice value, etc., Vietcombank assesses the revenue scale of each business household, thereby granting credit without requiring collateral,” a Vietcombank retail division director shared.
Helping business households reduce transition pressure
Previously, on April 15, Sacombank signed a cooperation agreement with the Tax Department under the Ministry of Finance and tax authorities in 14 provinces and cities nationwide. Representatives of the two units stated that the simultaneous signing in many provinces and cities not only demonstrates the determination for synchronized and unified implementation but also shows efforts to rapidly spread support solutions to business households nationwide.
A Sacombank deputy general director said that individual business people and business households are a very diverse group in terms of scale and operating form. They have deeply analyzed the specific characteristics of each customer group and built specialized solution packages based on principles: easy-to-understand processes, easy-to-use equipment, easy-to-perform operations, and cost optimization.
“We will continue to invest in perfecting the solution ecosystem dedicated to business households, as well as strengthen coordination with tax authorities in communication, training, and practical guidance, helping business households gradually adapt to new requirements smoothly and minimize transition pressure,” a representative of this bank shared.
Earlier, on February 4, Sacombank and Ho Chi Minh City Tax Department also signed a cooperation agreement on coordinating tax policy guidance, supporting business households in digital transformation, and deploying electronic invoices in the Ho Chi Minh City area.
Meanwhile, HDBank launched a 100% sponsored package called the “Trio of Assistants,”
