As part of the “Bank–Enterprise Connection Program” initiated by the State Bank of Vietnam (SBV), HDBank, in collaboration with the Saigon Business Association and the Ho Chi Minh City Supporting Industries Association (HASI), organized a seminar titled “Supply Chain Financing – Connecting Resources, Spreading Value.” Arobid — a pioneering B2B technology enterprise in e-commerce and supply chain data management — participated as a key partner, bringing a technological perspective on digital transformation and financial transparency for SMEs.
The event took place on the afternoon of October 31, 2025, at Saigon Central Palace, gathering over 200 representatives from government agencies, business associations, and the corporate community. More than a sharing forum, the seminar marked a new step in the tripartite cooperation model between banks, associations, and enterprises — moving toward a transparent and sustainable financial–business ecosystem.
Speaking at the event, Ms. Trần Thị Ngọc Liên, Deputy Director of SBV Ho Chi Minh City Branch – Region II, emphasized the banking system’s pioneering role in creating smart capital flows, thereby contributing to economic recovery and growth in Ho Chi Minh City. “HDBank’s supply chain financing initiative is a strategic solution that demonstrates proactive engagement and responsibility toward the business community. When all actors in the ecosystem are connected, capital flows become seamless, generating widespread value for society,” Ms. Liên stated.
From the business perspective, Ms. Lâm Thúy Ái, Vice President of the Saigon Business Association and Program Chair, remarked that supply chain financing is a modern embodiment of Vietnam’s traditional spirit of cooperation — “Traders thrive through partnerships.” She shared: “Today’s businesses cannot grow in isolation; they must operate within a connected ecosystem where trust, capital, and data flow harmoniously. Supply chain financing is not just about financial lending — it’s a strategy for sustainable development. When all parties act on trust and transparent data, Vietnamese enterprises gain the momentum to integrate deeper into global supply chains.”
Representing HDBank, Mr. Trần Hoài Phương, Director of Corporate Banking Division, presented the “Three-Party Model”, where the bank not only provides capital but also partners with anchor enterprises and SMEs as a strategic ally. “Instead of the traditional two-way relationship between banks and enterprises, this model creates a ‘three-party story,’ where capital flow, goods flow, and data flow operate in sync — helping the business ecosystem function more sustainably,” Mr. Phương explained.
To enhance financial management efficiency, HDBank has also developed the VCF Platform — a system that digitizes the entire supply chain financing process, from disbursement and reconciliation to payment, significantly reducing processing time and enhancing transparency.
According to Mr. Phạm Xuân Huy, Deputy Head of Supply Chain Finance at HDBank, the bank has so far connected over 100 anchor enterprises, 1,485 suppliers, 4,202 distributors, and 41,118 retail points, with total outstanding supply chain financing exceeding 40 trillion VND. The bank’s focus spans sectors such as FMCG, agriculture, energy, construction, supporting industries, and logistics.
From practical insights, speakers from GSM and Arobid shared experiences on supply chain management, cost optimization, and technology application. Mr. Alex Trần, Investment Director of GSM, emphasized that to achieve sustainable growth, businesses must build green value chains, leveraging AI and big data to improve operational efficiency.
Meanwhile, Mr. Nguyễn Hải Triều, Chief Operating Officer of Arobid, introduced the Arobid.com B2B e-commerce platform — a solution that connects transaction data across supply chain participants, supporting banks and associations in building digital credit profiles for SMEs. According to Mr. Triều, standardizing and digitizing transaction data is the key to unlocking transparent access to capital for small and medium enterprises — a group that accounts for 98% of Vietnam’s businesses but continues to face barriers to financing and expansion.
Arobid.com operates as a digital trade hub, enabling businesses to expand their supply chains, find strategic partners, and automate operations, gradually establishing a transparent digital data infrastructure for future financial ecosystems. At the same time, Arobid’s TradeXpo platform offers a 3D/VR digital exhibition space, allowing businesses to showcase products and connect globally online. With features like chat, video call, and direct B2B signing, TradeXpo delivers a flexible, borderless trade experience, while AI and Big Data analytics provide market insights, performance evaluation, and business optimization — helping enterprises go global, close deals faster, and operate efficiently.
Arobid’s commitment goes beyond developing a B2B platform — it’s about accompanying Vietnamese enterprises on their journey toward comprehensive digital transformation. The seminar concluded in a constructive and collaborative atmosphere, opening new directions for Vietnamese businesses toward sustainable development. “Supply chain financing” is not merely a financial product — it is a philosophy of collaboration in the digital era, where banks, enterprises, and technology converge to build a transparent, digitalized, and sustainable financial–business ecosystem.
