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Banks need to upgrade their customer protection barriers against increasingly sophisticated technology and cybercrime.
On March 22, Dong Nai Provincial Police coordinated with professional forces to investigate the case of the Chairman of the People's Committee of Nhon Trach District (Dong Nai) being scammed out of more than 100 billion VND. Accordingly, in many ways, the online fraud group took more than 100 billion VND from the account of Ms. Nguyen Thi Giang Huong, Chairman of the People's Committee of Nhon Trach District.
Although the tricks are not new, anyone can become a victim of cybercrime. Therefore, banks need to upgrade their customer protection barriers against the increasingly sophisticated development of technology and cybercrime.
In recent days, there have been continuous emails and messages via apps warning of fraudulent tricks of technology criminals. HDBank warns of tricks impersonating HDBank employees to contact and offer to increase credit limit, refund, cancel credit cards or open preferential cards to fraudulently appropriate money in accounts.
The bank also listed scam numbers starting with 024, 028, 059 and warned customers not to provide double credit card information.
Techcombank also posted instructions on how to avoid financial fraud, in which in addition to requiring customers to always be vigilant against requests from unauthenticated calls, SMS messages, and emails, especially requests to transfer money, install, activate, and upgrade services, it also provides instructions on how to check whether the received message is from the sending bank or not with visual illustrations.
Not only the two banks above but a series of banks continuously send warnings. However, there are still many scams occurring due to the increasingly sophisticated tricks of the scammers such as using Deepfake AI technology to create audio, image and video technology products with high accuracy.
Or the trick of texting to borrow money using an account that looks exactly like the owner's, making the victim believe it's real and transfer tens of millions of dong.
At the recently held Ho Chi Minh City Digital Transformation Week, Director of the Payment Department, State Bank of Vietnam Pham Anh Tuan said that the State Bank is currently resolutely requiring credit institutions and payment intermediaries to coordinate with agencies of the Ministry of Public Security to review and clean data.
Ensure that payment data stored and managed is "clean", audited data.
This is to achieve the goal that the State Bank is aiming for: opening accounts must be done under the owner's name and using banking services must be done under the owner's name.
In addition, the State Bank is also promoting the completion of the legal framework for electronic payment activities, upgrading electronic payment infrastructure, and promoting the provision of new payment products and services on mobile devices.
On July 1, Decision 2345 of the State Bank on implementing safety and security solutions in online payments and bank card payments will also take effect.
Accordingly, the State Bank requires individual customers to authenticate with biometric identification before making their first transaction using the Mobile Banking application or before making a transaction on another device, ensuring that it matches the biometric data stored in the chip of the customer's CCCD card issued by the police agency.
Or through authenticating the customer's electronic identification account in the electronic identification and authentication system created.
Or by the customer's biometric identification mark matching the biometric data stored in the collected and verified customer biometric database, combined with the OTP authentication method sent via SMS/Voice or Soft OTP/Token OTP.
The State Bank also requires banks to classify transactions to apply appropriate authentication measures, or in other words, set a threshold for requiring biometric authentication.
The director of a large payment company said that the measures of the State Bank are necessary, especially in the context of the current outbreak of technology crimes and the provision of knowledge and understanding to customers has not been done in a substantial way.
"With this new regulation, the bank will do two things: one is to check whether the account and the user are the same or not, and two is to check whether each time the account is used, the owner is the one who actually did it or not. Once the verification is completed, the fraud situation will be significantly reduced because the money taken back will not be known where it is," he analyzed.
The deputy general director of a bank acknowledged that the race to develop cards and accounts has been too hot recently. The bank assigns targets to branches and transaction offices, which then push down on employees, so it is easy to see that when borrowing capital, bank employees often "beg" customers to open credit cards.
In terms of numbers, it is increasing, but customers open it without using it or open it blindly without understanding, and the staff does not explain, which leads to consequences like the recent incidents.
"Therefore, when the new regulations come into effect, they will gradually eliminate things that are not true to their nature. Service providers should not be too afraid of losing KPIs or losing accounts, but should look at the bigger benefits. Nothing can increase forever," he said.
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