MSB signs strategic partnership with SAPO to establish a comprehensive digital ecosystem for Vietnamese micro-businesses

MSB, the Vietnam Maritime Commercial Joint Stock Bank, has signed a strategic cooperation agreement with SAPO Technology Joint Stock Company (SAPO) to support small businesses and micro-entrepreneurs in digitizing financial management comprehensively.

Digital transformation cooperation

MSB said it aims to become a bank with a leading digital technology platform and deliver an improved customer service experience. The partnership with SAPO, described as a multi-channel sales management platform, is intended to build a solution journey that supports customers across different touchpoints. MSB also said the cooperation focuses on connecting banking solutions to customers’ operations so that business management becomes more transparent and modern.

Integrated cash-flow and sales data

Under the cooperation, MSB and SAPO will provide an integrated solution designed to synchronize cash flow and sales data in real time. For small businesses and micro-entrepreneurs, MSB said the approach helps reduce operational costs and time, while also supporting standardization of activities amid increasingly transparent tax management requirements.

Credit facilities supported by digitized business data

MSB highlighted a key element of the agreement: credit facilities will be prioritized based on actual business data rather than traditional collateral barriers. As data is digitized through the MSB-SAPO ecosystem, cash-flow transparency is positioned as a basis to help customers access loan capital more quickly. MSB said this can help businesses seize market opportunities, ease working capital pressure, and support sustainable growth.

Promotion for new customers

To implement the cooperation, MSB and SAPO launched a year-long promotion for new customers. The program is expected to provide 2 million VND to customers who open accounts and use SAPO’s sales management software, while SAPO will grant an additional 6 months of software usage. MSB said the offers are designed to reduce initial investment costs and encourage businesses to begin their digital transformation journey.

Network and partner commitment

With a network of 260 branches and broad international connections, MSB said it will continue strengthening links with major partners such as SAPO to deliver added value and reinforce its role as a trusted partner for Vietnam’s micro-business and SME community.

Details on MSB products and services are available via the bank’s website or by calling the 24/7 hotline: 1900 6083.