The workshop was hosted by Mr. Pham Tien Nam, Vice Chairman of the Central Committee of the Farmers' Association; Mr. Pham Tien Dung; Deputy Governor of the State Bank of Vietnam; Mr. Pham Duc Long, Deputy Minister of Information and Communication and Journalist Luu Quang Dinh, Editor-in-Chief of Rural Today Newspaper. The seminar also had the participation of a large number of typical farmers nationwide and leaders of a number of banks, Viettel Pay, and Voso e-commerce platform.

At the Workshop, the delegates focused on discussing and discussing two main topics: Policies and legal corridors to promote non-cash payments in rural and remote areas; solutions and products to promote CTM to introduce to farmers the mechanisms, policies, and benefits of CBA activities. The discussions and Q&A sessions at the Conference focused on a number of topics such as:Digital transformation trends, digital payment, new products and services in practice, new payment methods Mobile Money, financial education communication solutions for people in rural, remote and isolated areas…

Covid-19 has accelerated the digital transformation process in production and business activities of enterprises, and consumers have become more familiar with online shopping. It is expected that in the near future, the number of consumers who will continue to shop for essential items through e-commerce channels is increasing. Along with the increasingly modern logistics infrastructure, expanding to rural and mountainous areas, consumers in these areas will easily participate in online shopping.

In recent years, consumers who have a habit of shopping in supermarkets and trade centers tend to switch from traditional payment to electronic payment.

Especially, in the complicated context of the Covid-19 epidemic, e-commerce has become an effective buying and selling method not only for Vietnamese businesses but also brings many new opportunities. In addition, the development of e-commerce industry leads to the development of electronic payment because goods and products purchased on e-commerce floors are 90% paid online via bank cards. Although, Vietnam is also one of the countries affected by the pandemic of the century, transactions via the Internet and mobile phones grew by 238% (E-commerce white paper 2020 - Department of E-commerce and Architects), thus, The benefits of electronic payments are undeniable. 

The trend to limit the use of cash will also gradually become popular. According to the Vietnam E-commerce White Paper 2020, 12% of consumers think that complicated payment methods are an obstacle when buying online. Electronic payment solutions that are both simple, easy to use, and ensure security and safety will be prioritized by consumers. Recently, the Mobile - Money service that has been piloted will make the payment of small value transactions easy and convenient, suitable for customers in rural areas.

In order to meet the development requirements of e-payment, e-wallets, new technology applications in payment, fintech models, e-payment in e-commerce in addition to optimizing user experience. , to ensure fast, convenient and simple, it is also necessary to uphold the security of the system and ensure the information security of consumers.

In the e-commerce development plan for the period 2021 - 2025, one of the key infrastructures for sustainable market development is the e-payment infrastructure in e-commerce, building and transforming customer habits. consumers and society from cash payment, COD to electronic payment. To achieve this goal, in the past 5 years, the Department of E-commerce and Architects - Ministry of Industry and Trade has implemented many solutions, including the development of an online transaction support platform that integrates KeyPay payment (Payment System). National e-commerce KeyPay). In 2021, the Department of E-commerce and Architects will also promote the implementation and completion of the e-commerce trust platform, in which the payment system ensures ESCROWN and TrustOn online dispute resolution according to the dispute settlement model. between the buyer and the seller to protect the interests of the parties in the transaction will contribute to the development of electronic payment.

For state management agencies, in addition to completing the legal corridor for e-commerce to meet the changing needs of the market, catch up with new trends and models of e-commerce in the world and In Vietnam, an important point in the e-commerce development plan in the next 5 years will be to renovate the management model and apply technologies in the process of management and supervision of law enforcement in the field of commerce. e-commerce. Specifically, solutions for data, credit assessment of subjects in e-commerce will be deployed, solutions for management and settlement of electronic complaints will be important platforms applied to protect the security of the company. interests of consumers while participating in transactions. The Industry and Trade industry will work closely with the banking industry to deploy a reputable platform of businesses and sellers in e-commerce to ensure a transparent and quality market.

In the coming time, implementing the Prime Minister's Decision No. 645/QD-TTg dated May 15, 2020 approving the National E-commerce Development Master Plan for the 2021-2025 period, the Industry and Trade sector will also continue to coordinate with the banking sector to implement solutions to develop e-commerce, specifically: 
- Continue to improve the legal framework, create favorable conditions for electronic payment platforms based on the application of advanced technology, with solutions that allow for controlled testing (sandboxes) for payment platforms. new electronic math;

- Promulgating policies, regulations and implementing comprehensive solutions to increase the rate of electronic payment, payment on mobile platforms in online transactions and reduce the rate of using cash, delivery methods receive money (COD) in e-commerce;

- Developing infrastructures and solutions to support electronic transactions and integrate payments in e-commerce; focus on developing payment utilities on mobile platforms, e-wallets, QR codes, NFC, POS...; ensure payment security and safety to contribute to promoting electronic payments in e-commerce transactions.

As for the development orientation of the e-commerce market, after the broad development phase, the next phase's orientation is to develop in depth, ie increase the value of online transaction orders, consumers trust. order items of great value through e-commerce. To do this, e-commerce development policies in the coming period will focus on raising standards in e-commerce, perfecting the e-commerce trust platform, including: Secured payment, Authentication transaction information, standard delivery, electronic documents and a combination of solutions to assess the seller's credit.

For farmers' concerns about the need to build and organize transaction points of the same size as e-commerce trading floors to make the application of TM in rural areas more popular with farmers. , as well as having policies to encourage businesses to open e-commerce trading floors in rural, remote and mountainous areas, said Mr. Bui Huy Hoang - Deputy Director of the Center for Informatics and Digital Technology - Department of Commerce. E-commerce and Digital Economy - Ministry of Industry and Trade shared, in recent years, the Department of E-commerce and Digital Economy has implemented many programs focusing on supporting the consumption of agricultural specialties of regions and localities across the country through coordination with trading floors. e-commerce and achieved many very positive results.

From a management perspective, Mr. Hoang said, there are no restrictions on opening e-commerce trading floors as well as e-commerce websites. An e-commerce platform or website can also be visualized as a store or a supermarket selling goods of businesses or individuals in the digital environment, the important thing is that goods are circulated from one region to another. other domain, but not the location of the rural or urban e-commerce platform.It is not technically difficult to open an e-commerce site, but for that e-commerce site to function well, to promote well so that many people buy goods through the e-commerce exchange is the problem. need attention.

Besides, to be able to operate an e-commerce trading floor requires a lot of resources, both in terms of number of personnel and human capacity... Therefore, farmer households and cooperatives are perfect. can fully link with current e-commerce platforms with agricultural product categories such as Voso, Sendo Farm, Postmart, Shopee Farm... has operational capacity, is able to support online payment, and is capable of helping agricultural products to be delivered to consumers across the region. Thereby, it is also possible to take advantage of more direct support resources from central ministries and branches, and partner e-commerce platforms to achieve the best results and efficiency for the consumption of agricultural products.

The source: Ministry of Industry and Trade Web Portal (MOIT)