GIMO accompanies Binh Duong’s workers in the first “The 9th+ Hour” episode

Airing on 31st July 2022, “The 9th+ hour” episode centered on the work-life stories of factory workers in Binh Duong province, part of the Southern Key Economic Region in Vietnam.  

This was the first episode of “The 9th+ hour” show that GIMO co-produced with the General Confederation of Labor and Vietnam Television.  

Participating in the gameshow were Mr. Tiem Vu – Deputy Head of Publicity and Education Commission; Ms. Nhung Nguyen – Deputy Head of Women’s Affairs Commission and Ms. Le Bui – Chief Marketing Officer of GIMO. 

The episode started with the “On Shift” round, where contestants displayed flawless production skills, leaving the audience in awe. 

On the other hand, the “Shift Break” round delved into the contestants’ working life. While the “Breakthrough” team shared the details of an exemplary worker jumping hurdles and navigating roadblocks, the “Pioneer” team brought up predatory lending, which is wreaking havoc on the workers’ community. 

Unexpected expenses sometimes incur, but not all workers can access responsible and affordable financial services. In desperate times, they must turn to predatory solutions that charge high-interest rates and use violent means to intimidate borrowers. This makes the workforce vulnerable to distress, and businesses face productivity loss.  

To shield employees from dire financial situations, many company unions step up and embrace on-demand pay. Via a mobile app, workers can access their earned yet unpaid wages any time before their payday, steering away from loan sharks.  

Ms. Nhung Nguyen highlighted that on-demand pay is a practical welfare initiative that could help employees overcome financial shocks and upend predatory lending.  

In the last session – “Off Shift”, the contestants got tested on their knowledge of the labor regulations in Vietnam through picture quizzes and skits.   

Ms. Le Bui - Chief Marketing Officer at GIMO awarded the Pioneer team
Ms. Le Bui – Chief Marketing Officer at GIMO awarded the Pioneer team

New episodes of “The 9th+ Hour” gameshow co-produced by GIMO air at 3:00 PM every Sunday, from 31/07 to 04/09/2022.  

GIMO joins the Vietnam General Confederation of Labor in commemorating the 75th anniversary of the Invalids and Fallen Soldiers’ Day

HA GIANG, June 26, 2022. In commemorating the 75th anniversary of the Invalids and Fallen Soldier’s Day, GIMO accompanied the Vietnam Generation Confederation of Labor delegation in paying tribute to heroic martyrs at the Vi Xuyen National Cemetery. The delegation also visited and bestowed gifts to war invalids, their families, and households living under the poverty line.  

The delegation was led by Mr. Hieu Ngo, Vice President of Vietnam General Confederation of Labor, with the participation of Ms. Le Bui, Chief Marketing Officer of GIMO.    

Visiting the Vi Xuyen National Cemetery, the delegation offered incense to honor the courage and sacrifice of the fallen soldiers who gave up their lives to build what we enjoy today.    

GIMO accompanied the Vietnam Generation Confederation of Labor delegation in paying tribute to heroic martyrs at the Vi Xuyen National Cemetery
GIMO accompanied the Vietnam Generation Confederation of Labor delegation in paying tribute to heroic martyrs at the Vi Xuyen National Cemetery

Following the ceremony, the delegation paid a visit to two families of the local war invalids, encouraging them to take care of themselves and live up to the legacy of their fallen loved ones.   

The three-day trip wrapped up at Bac Me District, where GIMO, alongside the Confederation, made donations to the less fortunate households.   

On behalf of GIMO, Ms. Le Bui presented gifts of encouragement to people in the Bac Me district.
On behalf of GIMO, Ms. Le Bui presented gifts of encouragement to people in the Bac Me district.

Every year, on 27/7, the Vietnamese get to pay their respect to war invalids and fallen soldiers. This year, GIMO is honored to accompany Vietnam General Confederation on a series of welfare activities, further underpinning the fact that GIMO is dedicated to the community’s wellbeing.   

GIMO and Ho Chi Minh’s Trade Unions of Industrial and Export Processing Zones to Upraise Workers’ Financial Wellbeing

HO CHI MINH CITY, July 29, 2022. GIMO and the Trade Unions of Ho Chi Minh City’s Industrial and Export Processing Zones signed a partnership agreement to uplift workers’ financial lives. 

The signing took place during the 93rd Founding Anniversary Ceremony of The Vietnam General Confederation of Labour (July 28, 1929 – July 28, 2022) hosted by the Trade Unions. Signing on behalf of each party was Ms. Van Vu – President of the Trade Unions of Ho Chi Minh City’s Industrial and Export Processing Zones, and Mr. Quan Nguyen – Cofounder/CEO of GIMO.   

GIMO and the Trade Unions of Ho Chi Minh City’s Industrial and Export Processing Zones signed a partnership agreement to uplift workers’ financial lives
GIMO and the Trade Unions of Ho Chi Minh City’s Industrial and Export Processing Zones signed a partnership agreement to uplift workers’ financial lives

The area of cooperation agreed between the two parties centers on elevating the local workforce’s wellbeing. GIMO is committed to increasing local workers’ access to a reliable and affordable digital financial solution, that is, on-demand pay, while actively engaging in welfare activities.    

The Trade Unions currently represent 110,000 workers from the Linh Trung I, II; Binh Chieu, Cat Lai, and Saigon Hi-tech Industrial Parks. The agreement would lay a strong foundation for a more financially resilient employee force.  

As part of the ceremony, GIMO also awarded 10 Nguyen Duc Canh scholarships to students whose families experienced financial hardship due to COVID-19.  

GIMO awarded 10 Nguyen Duc Canh scholarships to students whose families experienced financial hardship due to COVID-19
GIMO awarded 10 Nguyen Duc Canh scholarships to students whose families experienced financial hardship due to COVID-19

In recent years, the union members have been encouraged and assisted by the welfare programs of the Trade Unions of Ho Chi Minh City’s Industrial and Export Processing Zones to settle their lives.  

In recent years, thanks to the welfare programs initiated by Ho Chi Minh’s Federation of Industrial and Export Processing Zones, local workers now have more timely support and better focus at work. 

GIMO in collaboration with the Trade Unions of Bac Ninh Industrial Zones to promote workers’ welfare

June 2022 marked the signing ceremony between GIMO and the Trade Unions of Bac Ninh Industrial Zones. The event laid a solid foundation for both parties to elevate local workers’ welfare.  

This ceremony was participated by Mr. Nguyen The Quyet – President of the Trade Unions of Bac Ninh Industrial Zones, and Mr. Nguyen Van Ngoc – CPO and Co-founder of GIMO.    

Source: Bao Lao dong
Source: Bao Lao dong

The Trade Union of Bac Ninh Industrial Zones reckons on-demand pay as a practical financial wellness benefit that fundamentally strengthens local workers’ wellbeing. The tech-enabled solution empowers businesses to be more agile around payday, thus nurturing a more financially resilient workforce 

GIMO has also been an active partner in social activities held by the Trade Union. On July 3rd, 2022, at Kinh Bac Cultural Center (Bac Ninh), the 5th annual Workers’ Singing Contest was organized with the participation of GIMO.    

GIMO's representative presented gifts to participating teams in the 5th Workers' Singing Contest in Bac Ninh.   
GIMO’s representative presented gifts to participating teams in the 5th Workers’ Singing Contest in Bac Ninh.

Bac Ninh is one of 7 provinces that make up Vietnam’s Northern key economic region and its industrial zones are creating jobs for over 300,000 workers. The partnership between GIMO and The Trade Unions of Bac Ninh Industrial Zones is expected to contribute to the well-being of these workers.   

A Financial Safeguard for Blue Collar Workers

In 2022, the Vietnam General Confederation of Labor reports that there is a concerning 30 percent of blue-collar workers struggling with financial challenges [1]. Most of those workers remain susceptible to the predatory financial lifebuoy, as they calculate against inflation and insecurities.  

This reality has triggered fintech companies to step up and empower Vietnamese workers to access responsible and affordable financial services.  


According to Mr. Minh Vu, Director of the Institute of Workers and Trade Unions, many blue-collar workers negotiate for loans to make ends meet. 12% of them usually borrow money for daily expenses, 35.5% of them occasionally do so (once every 3 or 4 months), and 34.8% remain loaning around 1 to 2 times per year [1]. 

The blue-collar majority rely on loans because they do not have savings. It can become more difficult to deal with unexpected times of sickness and promising shares for the future, like their medical bills and their kid’s tuition. These circumstances live off the even-worse situations of stagnant wages and limited entry into secured loans from accredited banks. These are among the reasons why workers find false shelter in informal financial services or even pledge their social insurance book.  

Approximately 21% of surveyed workers have made at least one pledge from their social insurance book [2]. Workers have started withdrawing from their social insurance earlier than usual, somewhere under 40 years of age, and this mostly occurs among non-governmental businesses [3]. 

The Ministry of Public Security reports alarming activities in predatory payday loans with the interest rate hanging at 90 – 100% per day and 700 – 1000% per month, forcing many businesses to issue their concerns to local authorities [4].  

According to Mr. Tu Dao, Deputy Governor of the State Bank of Vietnam, to guide the society toward better security, it begs for not only the force of local authorities but also the momentum of technology-powered applications that delivers more microfinancing products and services for the underbanked population [4].  

In the era of digital transformation, technology has the potential to close the financial inclusion gap. Among the emerging solutions, Earned Wage Access (EWA), or on-demand pay, enters the center of attention for both employers and their employees as a practical employee benefit.  


EWA is technology-driven employee welfare that gives employees greater control over when to get paid.  

In Vietnam, many businesses have already warmed up to the concept. From their June 2022 issue of “On-Demand Pay Unfolded: Payroll Unchained for the Vietnamese Underbanked”, GIMO, the leading provider of on-demand pay promises great potential in improving employee financial health.  

79% of workers report that GIMO’s solution helps them feel less stressed about personal finance. Mr. Long Doan, a factory worker at NEWSTARS garment factory in Thai Binh (VN), shares that early access to wages has improved flexibility in his monthly expenses, especially in times of emergencies. With GIMO, Long can better focus on his work, laying a stronger foundation for his finances.  

The on-demand pay employee benefit helps workers gain greater control over their personal finance.  
The on-demand pay employee benefit helps workers gain greater control over their personal finance.

Most importantly, since enrolling in on-demand pay, 40% of surveyed workers no longer use or rely less on informal financial services. With easy navigation on a smartphone, workers can now access their earned wages in case of necessity instead of making do with loan sharks or pawn shops.  

For employers, on-demand pay brings proven benefits to human resources management. 80% of workers feel more satisfied with the company’s policy since the application of EWA [5]. According to Ms. Huong Nguyen, factory manager at T&C garment company in Nam Dinh (VN), GIMO’s on-demand pay supports the company in improving their employees’ financial health, connecting them to the workforce, and bringing a new atmosphere to the workplace culture.  

While millions of Vietnamese workers remain vulnerable to financial shocks, not all of them can access safe and affordable financial services. Statistics from the report by GIMO revealed that real-time access to earned wages can initially address some financial challenges facing the Vietnamese workforce. Meanwhile, introducing this welfare paradigm to millions of Vietnamese is a job of greatest patience, requiring on-demand pay solution providers to take into high consideration 

To download the report “On-demand Pay Unfolded: Payroll Unchained for the Vietnamese Underserved”, please visit:  


[1] 1/3 blue-collar workers accept loans on the regular to account for daily expenses, 2022 – Nghề nghiệp & Cuộc sống 

[2] Low wage, increasing loans, where is the future for workers?. 2022 – VNEconomy 

[3] 11% of workers pledge loans to pay for daily expenses, 2022 – Nhịp sống kinh doanh  

[4] High-interest lending taking hostage in workers and industrial areas, where are we heading? 2022 – Lao động  

[5] On-Demand Pay Unfolded: Payroll Unchained for the Vietnamese Underbanked, 2022 – GIMO 

Infographic: EWA – Why on-demand is in demand

Gen Z Workforce: How to Jump on The Band Wagon?

A 14-year-old entrepreneur providing vocational training for people in poverty; an 18-year-old teen named among the Times “Top 100 most influential people in 2013” are just a few headlines featuring Gen Zers in the past few years [1]. 

Every other generation has had its chance, and now it is Gen Z’s time to shine and make its mark in the business world. Businesses should seize this opportunity and take in fresh Gen Z talents to further their growth.  


Gen Z, Who?   

Born between 1997 and 2009, Gen Z are hailed the digital natives who are taking the world by storm. They barely know about the lined telephone, boxed TV, cassette tapes, or life without Google [2].   

The ability to learn fast and adapt well is also a well-known trait for this generation as they grew up with the Internet, the eternal source of free and easily accessed information.  


Gen Z at Work  

When it comes to work, Gen Z has a few specific requirements.  

Flexibility. Having grown up amidst rapid changes in technology and business models, Gen Z has long been recognized for their flexibility and ability to pivot in the workplace. So they expect businesses to provide them with the same [3].   

Wellbeing. According to a 2020 Gallup Poll, Gen Z prefers employers who care about their mental and physical wellbeing [4]. No one wants to be the work hustle, constantly burning themselves out at the office, but only Gen Z was brave enough to voice their opinion and demands to be satisfied.   

Balance. Survey says, 42% of Gen Z prioritize work-life balance over other job perks [5]. Having gone through the Great Recession from 2007 to 2009 and disruptive phases like COVID-19, Gen Z has seen many unhappy workers. So, they set their goal not to overwork themselves since other aspects of life are just as important.   


Gen Z Demands. Businesses Answer  

Taking up almost 30% of the world’s population, Gen Zers will eventually dominate over any other age cohort [6]. The most senior Gen Zers are reaching age 22, either soon or have already entered the labor force. That means it’s in employers’ best interest to take notes of how to woo this new demographic of employees – fast [7].   

Open up. The pandemic has made people realize flexibility is what they want and need. Remote work and flexible working hours are just the starts. Flexible pay or on-demand pay is also on the rise as the newest benefit for employees to have more control over their own earned wages. By giving employees proactive access to their earned wages, financial emergencies can be solved instantly. Personal financial management can also be done with ease.   

Promote employees’ well-being. Creating more personalized or health-oriented benefits can win employees of all ages. The pandemic-sized hit has made everyone realize the importance of health and wellbeing. Businesses should provide them with the assurance of being well taken care of no matter the circumstances. As discovered by HBR, 98% of surveyed leaders plan to newly offer or expand their employee benefits, prioritizing what one’s workers deem essential, like child and senior care benefits or expanded mental health support [8].    

Create a balanced work life. Employers should support a more well-balanced lifestyle with respect for personal time and space or leisure-supported benefits. It may not be the intense, fast-track instant growth businesses want. However, this can prevent burnout and work resentment, issues seen in many environments people deem toxic. In the long run, such a balance can support more sustainable growth for businesses.  


Gen Z is redefining the workplace norm for everyone. As bold and brave as they are, businesses should get ready to adapt themselves to today’s workforce.  











Gifts of encouragement for workers from GIMO and Vietnam General Confederation of Labor

On May 13th, 2022, Mr. Ngo Duy Hieu – Vice President of Vietnam General Confederation of Labor, President of Vietnam Public Sector Union, and representatives from GIMO visited and handed out gifts to 50 workers in Chuong My and Thanh Oai District, Hanoi.  

Mr. Ngo stressed that Labor Month is the time of the year when all of us show our appreciation towards the labor community and lend a helping hand to those in need.  

He also thanked GIMO for its companionship and added that on-demand pay is instrumental in preventing high-interest payday loans that are preying upon vulnerable workers.  

During the events, GIMO joined the Vietnam General Confederation of Labor in handing out 50 gifts of encouragement to less fortunate employees in Chuong My and Thanh Oai Districts.  

During this year’s Labor Month, GIMO has actively engaged in a plethora of social activities hosted by the Vietnam General Confederation of Labor and other provincial confederations

The hook for blue-collar workers

As the economic reopening collides with a tightened labor market, businesses are squirming to attract and retain blue-collar workers.   

Shortage of blue-collar labor still haunts businesses  

Despite the talks of automation displacing everyone, in Vietnam, blue-collar occupations are and will still be in high demand, especially amidst the economic rebound, the supply chain diversification and most recently, the flood of workers not returning to work.  

According to the General Statistics Office, until 15 December 2021, approximately 2.2 million people returned home from key economic regions when coronavirus caseloads were spiking [1]. As COVID-19 curbs were lifted, 58% of the labor force intended to return to Ho Chi Minh City for work, while 42% decided to stay put [2]. This led to a severe lack of workers.  

During the 1st quarter of 2022, some regions witnessed a labor shortage of around 120,000 workers, indicating a 2-3% increase compared to previous years. The top categories seeing the highest demands are manufacturing, processing, etc. [3]  

A recent survey also revealed that the 2022 labor needs are estimated at 700,000. The shortage could peak during the second quarter of the year in the advent of business’ gradual recovery from COVID-19.   

Workers are grappling  

“The main reason lies in the lack of a well-rounded compensation package and other benefits to ensure workers’ wellbeing,” said Mr. Dung Dao – The Minister of Labour, Invalids, and Social Affairs. Indeed, many businesses demand skilled workers but still lack desirable employee benefits [5].  

The higher cost of living post-pandemic also represents a major concern. The CPI (Consumer Price Index) of the 1st quarter in 2022 has increased by 1.92% compared to 2021 [6], while the regional minimum wage stands still for the past two years.  

“Workers, even ones with seniority, had to return to their hometown partly due to insufficient savings,” said Ms. Lan Pham – Vice-head of the Institute for Workers and Trade Union.   

The hook: better welfare  

In the hope of untwisting the blue-collar labor market, the Vietnamese government has issued several policies, one of which was subsidizing rental fees for workers working at industrial parks and major economic regions (Decision No. 08/2022/QD-TTG dated 28 March 2022). The government also proposed a 6% increase in the regional minimum wage by July 2022.  

On their part, businesses are handing out pay raises and bonuses to attract and retain workers. The 2022 survey by the Worker Newspaper reported $VND 250,000 – 350,000 monthly pay rise.  

Not only paychecks, employers are also offering additional benefits to better care for their blue-collar workers. Many businesses are investing in their workers’ future by funding training courses in foreign languages and computer skills [9]. 

Another increasingly attractive benefit is on-demand pay or earned wage access – that is, allowing workers to instantly access their earned yet unpaid wages. The solution has been widely embraced by multinational corporations like Walmart, McDonald’s, etc., and helped them ease their workers’ financial burden and reduce turnover rate [10]. The appetite for “pay on the day” is also growing in Vietnam, with the adoption of major corporations such as Austdoor.  

A falling number of COVID-19 infections, a pickup in economic activity and the supply chain shift to Vietnam have led to higher demand for blue-collar manpower and created an enormous headache for businesses. To navigate such talent shortage, businesses simply need to rethink their employee benefits and perks.



[1] More than 2.2 million workers to return to their hometown, 2021 – VnExpress Newspaper 

[2] Blue-collar labor market report during and after the COVID-19 lockdown, 2021, website 

[3] Solutions to overcome labor shortage, 2022 – Vietnamplus Newspaper  

[4] The key points to attract and retain employees after Tet, 2022 – Voice of Vietnam Newspaper  

[5] The increasing labor recruitment demand in 2022, 2022 – Worker Newspaper   

[6] Socio-economic Statistics in the first quarter of 2022, 2022 – General Statistics Office  

[7] Which keys to attract and retain workers?, 2022 – Vietnam Economic News 

[8] For a collective voice, 2022 – Worker Magazine  

[9] CHALLENGES IN RECRUIT SKILLED LABOR: Vocational training associated with business needs, 2022 – Worker Newspaper 

[10] Even, 2022 

GIMO joins in with the festivities of Binh Duong’s Labor Month 2022

From 5-8th May 2022, GIMO engages in a series of Labor Month events hosted by Binh Duong’s Federation of Labor and People’s Committee.  

Joining the opening ceremony, GIMO hopes our contribution could encourage exceptional workers and somehow brighten up the lives of unfortunate ones.  

Ms. Loan Nguyen – Madam President of Binh Duong’s Federation of Labor emphasized that Labor Month aims to spread more positivity among provincial workers. The companionship of businesses like GIMO at a wide range of impactful events drives a healthier and more motivated workforce, she also added.  

The four-day workers’ welfare fair is another highlight of the event. As an exhibitor, GIMO has the opportunity to showcase how on-demand pay can contribute to the financial well-being of workers.  

Binh Duong is home to 1.2 million workers and remains one of the country’s most critical industrial hubs. For the past two years, said millions of lives have been majorly disturbed by COVID 19. 

And so, with the active participation of local authorities and businesses, this year’s Labor Month will remain a practical move that empowers workers to contribute even further to Vietnam’s economic recovery and growth.