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Digital conversion in the banking industry is no longer a trend, but a requirement. However, in order to digitize effectively, the big problem is not in technology, but it is people - the resources that determine the success or failure of all the digital revolution. Deputy Governor of the State Bank Pham Tien Dung spoke at the forum - Photo: VGP/HT Banking and restructuring personnel, upgrading the infrastructure of the Banking Human Resource Forum before the technological wave with the theme Digital Age Bank: Model innovation and human resource restructuring, Deputy Governor of the State Bank Pham Tien Dung shared: Only in a bank application, but also for many other financial transactions, but also to the user, but also the user, but also the user, but the user can not only order other transactors fly, look up the method of moving, payment of invoices ... This shows the level of connection, integration between banks and other fields such as transportation, tourism, commerce ... is at a very high level, besides, the banking industry is also adapting quickly with the appearance and strong application of new technologies such as virtual assets, smart contracts, electronic signatures ... New from the service perspective, banks now also determine that information technology risk is an important risk, equivalent to credit risk. Since then, many banks have built and deployed a separate technological risk management system. In the context of increasingly sophisticated and complex cyberspace, technological risk management approach requires new thinking, focusing on ensuring information security and information security. This forced the banking industry to restructure processes and operations towards the application of intelligent and flexible technology, so the banker in the current period not only needs to know the traditional professional skills but also must be proficient in technology skills. These 2 skills need to go on to design and deploy the digital business process. Any bank that does not meet this requirement will have difficulty in the digital transformation competition, thereby gradually forming a new personnel force for the whole industry.From these changes, infrastructure for transformation of banking sectors is also given priority to invest and develop strongly. The interbank electronic payment system is currently handled on average about 820 trillion dong per day. Meanwhile, the financial switching system and electronic clearing recorded about 26 million transactions per day. According to statistics from the State Bank, nearly 87% of adults in Vietnam have owned a bank account. The current non -cash transaction value has now 25 times the GDP. Particularly in the first 5 months of 2025, cashless transactions continued to grow strongly, in which transactions via QR code increased by more than 78% in quantity and increased by more than 216% in value. Notably, most of the basic banking services are now carried out on the digital platform, with the ratio of digital transaction in many banks to reach 95%. Besides, many important operations such as savings deposits, term deposits, account opening, card issuance, money transfer, loan ... have been completely digitized. As a result, the digital ecosystem and digital payment of the banking industry have been established, creating close connections with many fields in the economy, thereby bringing a seamless and convenient experience for customers. The Banking Human Resource Forum before the wave of technology with the theme Digital Age: Model innovation and human resource restructuring - Photo: VGP/HT Mathematical problem of technology human resources - Big challenge in transformation of positive results, Deputy Governor Pham Tien Dung affirmed that Never before the Banking Banking industry has been increasing by the technology as large as the intellectuals as the intelligence and technology as the intelligence of the human resources (the stronger the human resources). Data), Blockchain and Cloud Computing (Cloud) are changing the operating method of banks. For example, blockchain technology changes the way data storage, enhances security, and minimizes operating costs. Meanwhile, automation of the robot process (RPA) has replaced a series of traditional positions such as transactions, internal control staff or credit appraisal. Representing Vietnam Thinh Vuong Commercial Joint Stock Bank (VPBank) frankly shared that the digital transformation in the organization is no longer just a story of the IT department, but has been integrated into all professional activities. Previously, technology was a separate group, supporting and repairing computers. Now, it is a skill that all personnel need, the representative of VPBank said. If the recruitment positions previously focused on industry experience, now, besides expertise, the ability to use digital tools to optimize the work is a mandatory requirement. Instead of taking 10 people, now a person who owns the tool can also take on a larger workload. Not only changes in the organizational model, VPBank also expanded recruitment to many other human resources, not limited to traditional financial and banking schools. Young people know who, social networks, digital skills are given opportunities to refresh the apparatus, adding new wind instead of just recruiting from the old banking system. Banking expert Nguyen Tri Hieu - Photo: VGP/HT Specialist Bank Nguyen Tri Hieu warns: Digital conversion is an inevitable trend, but it is impossible to expect technology to be universal medicine. According to Mr. Hieu, although technology supports better risk control, the risk is increasingly sophisticated, especially in terms of cyber security, data leakage, so that people have not been replaced by people in the future. Tao Dang Ngoc Duc said that the technology of technology - finance in Vietnam is seriously lacking. For example, the opening of Fintech industry in Vietnam is a typical example. Also large, soci
