With the rapid economic development, customers' requirements for financial products have increased significantly. Bank of China (Hong Kong) Ho Chi Minh Branch adheres to the six values of responsibility, integrity, professionalism, innovation, stability, and performance, and creates a new remittance channel for customers-bank-enterprise direct connection, and establishes a bank-enterprise direct connection model with customers through the SWIFT platform. The SWIFT FileAct information transmission mechanism sends and receives messages, providing safe and convenient services such as batch payment, fund allocation and bill reporting. Solve the problems of human resources, operational risks, and personalized management that companies encounter in the daily handling of huge remittances.