Developing Smart Banking Services to Disadvantaged Groups in Hanoi: A Case Study of Joint Stock Commercial Bank for Investment and Development of Vietnam

Smart Banking is a banking service on smart mobile phones, allowing individual customers to perform main financial and non-financial transactions and advanced utilities provided by the bank. However, Smart Banking services are difficult to reach disadvantaged groups. These are migrants, disabled people, the elderly, the poor, children. The purpose of this essay is to analyze the actual use of digital banking services by disadvantaged groups in at Joint Stock Commercial Bank for Investment and Development of Vietnam. Through studying the current situation of using secondary data in 2022, the author identifies the benefits and difficulties when offering Smart Banking services to reach vulnerable subjects at Joint Stock Commercial Bank for Investment and Development of Vietnam. From there, the article proposes solutions to try to increase the attraction of using Smart Banking services among disadvantaged groups.