“My Money” — A Story of Partnership Between Businesses and Workers
Turning business owners’ concerns into meaningful stories for employees—that is how BIDV brings personal finance knowledge to businesses and their employees.
“The company’s leadership has always sought to stand alongside and take responsibility for employees—not just through monthly salaries and benefits, but by helping them build a solid foundation for their lives today so they can work with peace of mind…”
This is the concern expressed by Mr. Nguyen Quoc Cuong—General Director of Nam Thinh Mechanical and Refrigeration Joint Stock Company (Ho Chi Minh City), a business that has partnered with BIDV for 20 years—during the “My Money” workshop —Personal Financial Management for Company Employees—held on August 8, 2026.
For nearly 70 years, the guiding principle “Partnering for Development” has been the common thread running through BIDV’s mission. This partnership is not only a responsibility toward the nation but also toward customers, businesses, and every individual who uses the bank’s products and services.
Businesses and the “Financial Well-being” of Employees
Mr. Cuong’s insights helped us recognize another mission: as a financial institution, we must demonstrate a partnership that works both ways—from businesses to individuals and vice versa.
It’s an interesting fact that a business’s financial health can be linked to the financial health of its employees. A business that cares about its employees does so not only through salary structures, bonuses, or the work environment, but also by helping them build a better foundation for their lives based on the fruits of their labor. For employees, income is the result of months and years of work, but without proper management, those earnings can quickly be eroded by unplanned decisions. Conversely, when employees have better financial literacy, they become more proactive in life, better able to handle unexpected events, and capable of pursuing long-term goals. As a result, they are fully able to commit to, contribute to, and grow alongside the company.
Therefore, personal financial education programs for employees not only foster stronger ties between BIDV and the company but also help build shared values. This is an area of cooperation that BIDV can continue to expand: from providing payroll services to partnering with companies to improve the financial well-being of their workforce; and more broadly, it is a story of a bank’s social responsibility.
“Payroll” is more than just a transaction
Every month, millions of workers begin their financial journey with a paycheck deposited into their accounts. From there, each person faces a series of financial decisions—from payments, spending, and saving… to investment choices and building long-term financial plans.
Am I managing my money well? How should I save for the future? How can I buy a home in the city? How can I build an emergency fund to prepare for potential risks? These aren’t questions or concerns exclusive to the wealthy, nor are they issues reserved only for those well-versed in finance. They are the questions of every working person, caught up in the daily grind of making ends meet—concerns that weigh heavily on their minds but are often hard to voice.
Personal finance is sometimes viewed as a sensitive topic, filled with technical jargon and concepts that seem inaccessible. In reality, it begins with the simple choices we make at the end of each month when we hear that “ting ting” sound from our bank account.
Making BIDV accounts familiar to customers
The “My Money” workshop series was born out of observation and empathy for working people, and financial education begins with such everyday goals.
Someone learns to plan their spending using a credit card and manage their debts as soon as they receive their paycheck. A young person begins to build an emergency fund instead of just thinking about spending their entire current income. A worker who researches before taking out a loan, understands their financial obligations, and carefully considers their ability to repay. Or someone who begins to ask how the money they save today can better serve their future goals.
These changes may seem very small. But when sustained over time, they build a fundamentally different financial foundation. What matters is not that, after a single workshop, everyone becomes a financial expert, but that they begin to ask the right questions about their money.
For many years, we’ve been accustomed to advising clients based on available products and services. However, client needs don’t start with the product. They stem from real-life challenges: someone needs tools for effective spending; a parent is thinking about saving for their child; a young person is preparing to buy their first home; a worker needs an emergency fund; or a customer is looking for suitable investment opportunities. When BIDV starts with these needs, connecting with customers becomes more natural and meaningful.
As a result, a payroll account is no longer just a place to “temporarily hold” funds; it becomes the first point of contact in a long-term relationship between the bank and the customer—from income to investment.
My money—our money…
A bank is not only responsible for channeling capital into the economy and providing financial products and services, but it can also help society better understand finance and use financial tools more responsibly.
Through such activities, every BIDV employee can reflect on their role: we are not merely salespeople, nor do we stop at offering a financial product; we are helping customers make financial decisions that are more appropriate and effective for themselves.
For this goal to truly take hold, “My Money” requires more than just the participation of a single unit or group of employees. It must be embraced as a shared ethos. Every BIDV employee, regardless of their position, can serve as a point of contact to help customers better understand finance.
A customer service representative can start a conversation by addressing the customer’s actual needs rather than the product itself. A teller can guide customers toward digital tools that are more convenient and secure, thereby improving their access to services.
A product designer might ask: How will this solution help customers address their financial challenges in their daily lives?
And each of us, first and foremost, can start by understanding our own finances. After all, it’s very difficult to inspire others to build a solid financial foundation if we ourselves don’t truly believe in its value.
As one of Vietnam’s leading financial institutions, BIDV has fully emerged as a pioneer, leading the way in promoting financial literacy and capability within the community.
