According to information from Ho Chi Minh City Police, in 2024, there were 560 fraud cases in the area, with many methods and tricks such as using VoIP virtual switchboard technology via the internet to announce winning prizes, bank loans or impersonating authorities to request information updates through strange links...

A representative of Orient Commercial Joint Stock Bank (OCB) said that in the context of increasingly complex cybercrime, OCB has continuously sent recommendations to customers through official communication channels. Specifically, the bank does not require customers to provide confidential information in any form, so customers absolutely do not access links in strange messages or emails of unknown origin. Customers need to proactively research, check information and only log in and contact the bank's official website and hotline channels. In addition, OCB also continuously implements methods of assessment, assessment, internal and system review to detect and absolutely prevent customer information from being copied and transmitted, ensuring the most effective security of customer information and accounts.

The banking industry is focusing on promoting financial education communication to improve public knowledge and skills in accessing and using banking services on digital platforms.

Similarly, the leaders of the Vietnam Joint Stock Commercial Bank (BVBank) said that ensuring the safety and security of customer information and transactions is one of the bank's top priorities. Therefore, BVBank has been very determined to apply the installation of customer facial biometrics when making online transactions. This helps to enhance security, prevent unauthorized access and minimize the possibility of fraud, bringing peace of mind and trust to users when making online transactions, especially high-value transfers. At the same time, it is recommended that customers be vigilant and not update biometric data via any other website or application, because BVBank does not require customers to provide OTP, password, card number, security code, etc. via phone or link.

Previously, the State Bank of Vietnam (SBV) issued a number of legal documents directing credit institutions to ensure information security for the provision of banking services on the internet environment, including measures to prevent and combat attacks on devices installed with customers' mobile banking applications to steal bank account information and measures to monitor and detect transactions with signs of fraud. Most recently, the SBV issued Circular 50/2024/TT-NHNN regulating safety and security for the provision of online services in the banking sector, effective from January 1, 2025. In addition, the banking sector is also coordinating with competent agencies of the Ministry of Public Security, the Ministry of Science and Technology and related organizations in ensuring information security and safety and preventing and combating high-tech crimes in the current situation.

In addition, the State Bank regularly directs credit institutions to do a good job of communicating and propagating the tricks of cyber criminals, raising people's awareness of using e-banking, thereby encouraging and supporting people in accessing and effectively using online banking services, promoting non-cash payments. Through monitoring the situation, the State Bank regularly and promptly warns about risks and security vulnerabilities and directs credit institutions to deploy prevention and control solutions.

In fact, in recent times, commercial banks have paid attention to investing and innovating technology, gradually completing the information technology infrastructure. Many banks and credit institutions have invested in and equipped with security solutions such as firewalls; intrusion detection systems (IPS/IDS); anti-virus systems; multi-factor authentication for electronic transactions and data encryption for important systems. Application systems, servers, and workstations are managed, regularly reviewed, and promptly updated with "vulnerability" patches to prevent criminals from infiltrating and attacking the system. Many credit institutions have implemented international security standards such as ISO 27001, PCI DSS, and the number of credit institutions meeting these standards has increased every year...

Mr. Nguyen Duc Lenh, Deputy Director of the State Bank of Vietnam, Region 2, said that the banking sector is focusing on promoting financial education and communication to improve public knowledge and skills in accessing and using banking services on digital platforms. Commercial banks in the area have established a Board to manage the use and exchange of data within the bank... Some commercial banks have also installed software to monitor devices that are allowed to access the data warehouse, in order to prevent the risk of data being leaked. In particular, after commercial banks deployed biometric applications, service efficiency has increased, security and safety have been ensured, thereby contributing significantly to the prevention of high-tech crimes and minimizing risks for customers.

Early integration of bank data with national population data will contribute significantly to preventing and combating fraud. Commercial banks need to strengthen measures to authenticate accounts and thoroughly handle the situation of customers using "virtual" accounts for "black credit" activities. Strengthen the responsibility of commercial banks in using virtual account information and unmatchable and unauthenticated data in operations...

However, according to experts, to limit fraud and cheating in payment activities, the role of users is very important. Lawyer Bui Quang Nghiem, Director of Nghiem & Chinh Law Firm, Vice Chairman of the Ho Chi Minh City Bar Association, affirmed that when commercial banks strengthen security and confidentiality barriers, cyber criminals often attack users' careless mistakes. Therefore, the most important "line of defense" is still the bank account holder. Customers need to be vigilant, understand their rights and responsibilities when conducting banking transactions, especially in cyberspace; need to follow warnings from mainstream media and banks to be more careful. To minimize being "trapped" in cyberspace, people should not click on links sent to them; do not listen to advice about benefits related to investment and finance via phone or social networks because most of them are scams and harassments...

“At the same time, it is necessary to step up the implementation of legal regulations in the field of cyber security; rectify the management and registration of bank accounts of banking organizations, financial companies, e-wallets... Along with that, tighten the management of online transactions; increase security conditions, online money transfer limits, apply biometric authentication to prevent crimes, protect people's assets... Along with that, focus on expanding foreign relations and international cooperation in the fight against high-tech crimes in general and property fraud crimes in particular, especially signing agreements on mutual legal assistance, extradition of criminals, and coordination in the fight against crimes with countries with many suspects of cybercrime activities targeting Vietnam", Lawyer Nghiem emphasized.

Source: https://thoibaonganhang.vn/bao-ve-nha-dau-tu-tai-chinh-truoc-toi-pham-cong-nghe-cao-161381.html