“Sometimes when I stand in line for an hour, when it’s my turn, the machine malfunctions or runs out of money. To quickly get cash, I have to go to other ATMs or withdraw money through interbanks, which incurs additional fees.” , she says.
From the beginning of 2023, Ms. My switched to using internet banking applications and e-wallets to pay. Every time she shops online, eats at a restaurant or goes to the market, she pays via smartphone by scanning a QR code or transfer.
“Nowadays, I don’t bring cash with me when I go to the market. I only bring my phone. After shopping, I scan the QR code. If I don’t have a QR code, I ask the store owner and they give me the account number. Transferring money is both convenient and avoids many risks,” Ms. My said.
This year, the number of times Ms. Nguyen Thi Thu Cam (34 years old, accountant) has withdrawn cash at an ATM can be counted on one hand. Ms. Cam also only brought her smartphone when shopping for Tet items at the market.
“I bought all sorts of things this morning, but I only scanned the payment code instead of using cash. Now, wherever you go, you can pay via phone very conveniently. When buying vegetables or fish, people also let you scan the code. This Tet, I only withdrew a little cash to give lucky money to my children and in case of force majeure,” Ms. Cam said.
Mr. Nguyen Thanh Tuan Tu (34 years old, programmer), currently living and working in Ho Chi Minh City, said that every year he has to withdraw cash to go home to spend and shop. Before returning home, he had to line up for almost an hour waiting to withdraw money at ATMs.
“In the countryside, everything can now be scanned with QR codes and transferred, so there’s no need to worry anymore. As long as you have money in your account, you don’t have to worry about going to the market and forgetting to bring your wallet,” Mr. Tu expressed.
5 thousand, 10 thousand can also be “swiped”
Ms. Nguyen Thi Thanh (49 years old, owner of a clothing store in Quang Ngai market) started letting the store pay by scanning QR codes from the beginning of 2023. “Last Tet, everyone who came to buy goods asked if they could transfer Account or scan code? I’ve learned from experience, this year I’m prepared. When customers come to make a purchase, they automatically scan the payment code. I can control the source of money, not worry about lacking change for customers, but also not afraid of getting money mixed up. change every time there are many customers,” Ms. Thanh shared.
The owner of a stall selling fresh seafood, Ms. Nguyen Thi Cam Van, also said that at present, everyone doing business has a bank account for customers to conveniently pay. When going to the market, customers just need to bring their phone, go to the store to buy what they need and hold up the phone to “swipe”.
“Almost everyone who comes to buy scans the QR code to pay. When I didn’t have the code, I missed out on a lot of customers. Now that I have it, when customers come to buy, whether it’s 5 thousand, 10 thousand or 20 thousand, I let them scan the payment code, it’s fast and convenient, avoids confusion when receiving or giving change, and doesn’t have to worry about counterfeit money,” Ms. Van replied. answer when asked about the convenience of paying by QR code and bank transfer.
In addition, many small traders in the market also said that they not only use payment by QR code or bank transfer when trading, but also transact using this form when importing goods to ensure safety.