NHCSXH - GDTC is a finance app for people who want to learn more about the Bank for Social Policy (VBSP) and manage their personal or household money. Its listed developer is the IT Center of the Bank for Social Policy, and the app description states that it was developed with the support of Oxfam graduates in Vietnam. The app combines institutional information, financial education content, and simple money tools in one place.

Information about the Bank for Social Policy

The app introduces VBSP and its mission. It also describes the bank's loan application process and the interest rates it offers, along with the incentive services intended to support users. A section of farmer success stories shows examples of people who have worked with VBSP support. Because the app presents this information directly, it can serve as a reference for understanding how VBSP services are described.

Financial education lessons

The financial education section covers personal and household money management, along with tips on using loans for production and business. It includes livestock production models that show how loans may be used. Lessons are paired with multiple-choice exercises, which let users test what they have read and reinforce their financial literacy.

Expenditure tracking and loan calculations

The expenditure management feature lets users record income and expenses by week, month, and year. Daily expenses can also be entered, and the app then shows statistics indicating remaining funds or a deficit. A separate calculator estimates loan payments and savings. After users enter the required details, it calculates principal and interest over time for a loan or deposit.

The app also includes notices about new VBSP services, so users can follow changes to the bank's offerings from within the app.