“We are at the beginning of a change. The pandemic has jolted us out of what was familiar till now and made us value safety, hygiene, and convenience in our daily lives. More people are now willing to try out digital payments than before COVID-19. I am simply helping my community to embrace this change,” says Duong Thi Thuy, a mobile money agent in the Quang Ninh province. Thuy runs a small grocery shop with her mother in Quang Ninh, a coastal province in north-eastern Vietnam. Once she completed high school, Thuy wanted to pursue language studies at the local university. However, in light of her mother’s poor health, Thuy took charge of the shop. The mother-daughter duo manages one of the oldest shops in the community. They serve nearly 100 customers of all ages and backgrounds each day.