3:26:39 PM | 7/8/2005
Commercial joint stock banks in Ho Chi Minh City are increasing their competition with not only incentives to mobilise capital but also investment in information technology to offer modern services suitable to a modern lifestyle, such as payments via cards, telephone and the Internet.
Banks are giving their attention to online payment services. The Vietnam Export and Import Joint stock Bank (Eximbank) has offered Internet-based payment for electricity, water, mobile phone and fixed telephone bills. Tran Tan Loc, head of the Department of Card Services of Eximbank, said that it is easy for customers to use these services. They will hold their cards by depositing money to their account or mortgaging. They then sign Internet payment service contracts. After having cards and passwords, customers can use the services at home by accessing Eximbank’s website at www.eximbank.com.vn and click Card services icon and type their transaction commands with the bank. Based on registered data, Eximbank will make payments for their customers. Bills will be sent to customers’ houses via post office services. Currently, Eximbank pays over 2,000 bills of such services.
Recently, the Asia Commercial Joint stock Bank (ACB) has launched its call centre 247 service to implement customers’ demand via telephone number 8247247. The call centre operates all day and night and can serve 16 customers at the same time. Le Kim Thuy, marketing deputy director of ACB, said that if customers want to use the call centre 247 service, they show their ID cards, and bills to provide exact information about customer code, address, accounts of their service providers for the banks and open their own accounts. Each month, customers call to the call centre and demand ACB to pay their bills. The bank will transfer money from customers’ accounts to their service providers’ accounts. At present, customers can use the service without any fee but the bank has planned to charge VND 50,000 per year plus VND 3,000 on each bill. When any dispute occurs, the bank will use the record of all its customers’ calls to the call centre as evidence. Paid bills will be sent to customers via post office services. Presently, 150 customers call to the call centre 247 for consultancy and transaction services.
The Oriental Commercial Joint stock Bank (OCB) has offered its customers convenient services at home. Phan Sum, director of planning and investment of OCB, said: “When needing loans from the bank, customers can call 8220960, OCB will send staff members to customer’s houses to guide them to complete procedures and assess mortgaged assets without any fee. With convenient services, the number of customers of OCB is on the rise. As a result, the bank has had to increase its charter and called capital to meet the increased demand.
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