The SAHA Shop digital financial solution, presented to State Bank of Vietnam Governor Pham Duc An at the 2026 Banking Digital Transformation event, further underscores SHB’s digital transformation journey, turning Resolution No. 57-NQ/TW from strategic direction into tangible action, with science and technology, data, and AI as the foundation for product innovation, enhanced customer experiences, and contribution to Vietnam’s national digital transformation agenda.
A technology showcase at the 2026 Banking Digital Transformation event
A SHB representative introduces the SAHA Shop digital financial solution to Governor Pham Duc An and distinguished delegates
Under the theme “Smart Banking in the Era of Data and AI,” the 2026 Banking Digital Transformation Event brought together banks to showcase innovative financial solutions and highlight the sector’s latest advances in digital transformation.
At the event, SAHA Shop, SHB’s digital financial solution designed for household businesses, was honored to be presented directly to Pham Duc An, Governor of the State Bank of Vietnam (SBV), and distinguished delegates.
Moving beyond conventional product demonstrations, Mr. Truong Quoc Anh, SHB’s Head of Digital Banking Division, engaged directly with the AI Agent, demonstrating how technology and data can support household businesses in managing their everyday financial activities.
SHB’s solution makes a strong impression, drawing the attention of delegates at the event
The integration of an AI Agent into the SAHA Shop showcase underscored SHB’s commitment to making artificial intelligence an increasingly integral part of its smart banking ecosystem.
Under SHB’s “5 First” technology strategy, Data + AI First serves as a key pillar alongside People First, Cloud First, Security First, and Mobile First. Together, these pillars provide the foundation for transforming operations, strengthening data governance capabilities, developing innovative digital financial solutions, and delivering increasingly seamless and personalized customer experiences. Through this approach, SHB is progressively bringing its vision of a new-generation bank of national stature to life while reinforcing its position among Vietnam’s Top 5 private joint-stock commercial banks.
SHB’s solution made a strong impression and attracted considerable interest from delegates, while helping amplify the overarching message of the 2026 Banking Digital Transformation event: “Data leads the way, AI works alongside, and banks build the digital ecosystem.”
SAHA Shop – From Banking Convenience to a “Digital Financial Assistant” for Household Businesses
With more than 5 million household businesses operating across Vietnam, this segment represents a significant and increasingly important force within the private sector. Yet many household businesses continue to face challenges in cash flow management, payments, demonstrating business performance and accessing fast, fit-for-purpose financing that keeps pace with their day-to-day operations.
Built on the SHB SAHA platform, SAHA Shop is a Miniapp designed specifically for household businesses, addressing these needs through a centralized, transparent, convenient, and intelligent platform for managing business activities and financial transactions.
Mr. Truong Quoc Anh, Head of Digital Banking Division at SHB, introduces SAHA Shop
With SAHA Shop, customers can track revenue, manage accounts, review transactions, accept QR payments, manage their stores, and access financial services tailored to their day-to-day business needs.
What sets SAHA Shop apart is its ambition to become a “digital financial assistant” for household businesses, offering a comprehensive suite of financial services. Through SAHA Shop, customers can access financing in as little as one minute, with no paperwork required. AI-powered data analytics enables the platform to assess cash flows and service usage patterns, identify working capital needs, and recommend suitable financing options.
Rather than waiting for customers to actively seek out financial products, SAHA Shop is designed to anticipate customer needs, progressively personalize the experience, and recommend relevant financial services at the right time—based on the actual cash-flow patterns of each household business.
More than just a Miniapp, SAHA Shop represents a new approach to serving household businesses: from providing products to supporting day-to-day business operations; from individual transactions to integrated cash-flow management; and from analyzing historical data to enabling more informed financial decisions for the future. Through this approach, SHB is also translating the spirit of Resolution No. 68-NQ/TW on private-sector development into practical solutions, helping household businesses gain easier access to technology and financial resources.
Contributing to the Nation’s Growth Drivers
At the 2026 Banking Digital Transformation Event, SHB Deputy CEO Dinh Ngoc Dung also introduced SHB Health Connect, an integrated technology solution designed to deliver comprehensive healthcare services
As Vietnam accelerates the implementation of Resolution No. 57-NQ/TW, aimed at driving breakthroughs in science and technology, innovation, and national digital transformation, while advancing strategic technology sectors, the banking industry is expected to continue playing a pivotal role in bringing technology into everyday economic life and enabling businesses and individuals to access modern financial services.
The presentation of SAHA Shop to State Bank of Vietnam Governor Pham Duc An at the 2026 Banking Digital Transformation Event was more than a showcase of SHB’s technological capabilities. It demonstrated how a private bank is proactively translating data, AI, and digital transformation into real-world applications, supporting individuals, businesses, and household businesses while helping create new growth drivers for Vietnam’s digital economy.