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For large-scale businesses, monthly payroll is not just a transaction but an important part of overall financial management. Responding to this trend, LPBank has developed a comprehensive financial solution that aims to make payroll more efficient, optimize cash flow, and add value for employees through accompanying financial benefits.
According to data from the State Bank, in 2025 cashless payments in Vietnam continued to grow sharply, with a compound annual growth rate of 58.86% in the number of cashless transactions. The transaction scale was equivalent to multiple times GDP, pointing to a clearer digital transformation trend.
In this context, payroll through banks—already common for many years—has entered a new phase. For large enterprises, payroll is not only a timely fund transfer, but also closely linked to cash-flow management, data control, security, and reducing operational errors in financial management.
LPBank is launching a comprehensive payroll-finance solution in which payroll acts as the entry point to the bank’s financial ecosystem. Payroll via banking helps reduce errors, increase security, and provide transparent transaction data.
In addition to on-site payroll services, enterprises can use the LPBank Biz digital platform to proactively execute payroll, monitor transactions, and reconcile results.
Enterprises using the service can benefit from multiple fee waivers, including:
When paying salaries through LPBank, enterprises can also access intelligent financial solutions to manage cash flow effectively. These include centralized cash management, collection and disbursement services, and deposit products designed to optimize idle funds (e.g., Sinh Lời Lộc Phát).
LPBank also provides financing solutions tailored to different customer segments, including loans, guarantees, and trade finance, to help customers access favorable credit for working capital needs and ongoing operations.
Beyond traditional on-site banking, LPBank emphasizes multi-channel transactions so enterprises can use banking services anytime, anywhere. The bank also continues to develop products aligned with a digital transformation path, leveraging AI and process automation to reduce manual steps and strengthen financial governance.
Beyond supporting enterprises, LPBank’s all-in-one payroll solution includes direct benefits for employees. When salaries are paid through LPBank, employees can receive incentives such as free ATM card issuance in the first year, no annual fees, and fee-free withdrawals within the network. The policy of free withdrawals outside the system in the first two years is also intended to make banking services more convenient.
Ms. Nguyen Hong Nhung, an HR specialist in Hanoi, said: “Using the LPBank service package has made it easier to access loans at reasonable rates to renovate my home. The accompanying benefits are convenient and aligned with real needs.”
Employees may also access other LPBank financial products with favorable terms, including free credit card issuance and first-year annual-fee waivers, as well as unsecured consumer loans with competitive rates.
In addition, international transactions such as sending and receiving money from abroad are waived or discounted, supporting personal financial management.
As businesses increasingly focus on optimizing operations and improving employee experience, payroll is no longer viewed solely as an administrative process. Instead, it becomes a link between corporate financial management and the bank’s service ecosystem.
Under this approach, LPBank’s payroll service is designed to support convenient salary payments while also opening access to multiple accompanying financial solutions, contributing to improved operational efficiency and employee welfare in a digitized business environment.
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