The question is, do they really provide real benefits or are they a scam?

Reality of the point-based application model?

The way these apps work is often based on a model that encourages consumers to return to the service and make more frequent purchases by earning points or receiving cash back after each transaction.

This convenience has caused the number of users to increase suddenly, creating competition between these applications. With the increasing density, users need to start being more careful in choosing reputable applications to use.

Some consumers cannot help but doubt and worry about the security of personal information when using these applications, especially when news warnings about the risk of fraud and theft of bank account information are everywhere in the press every day.

However, this concern can be reduced if consumers choose reputable applications with a strong team of security experts and clear privacy policies. Because it is undeniable that cashback applications bring convenience when helping users save money and also provide special offers, helping to improve modern lifestyle and spending.

Combining the use of these applications in daily life demonstrates the modernity in personal financial management, and is also a testament to the service industry's efforts to continuously develop to bring a more positive experience to users.

How reliable is it?

Sharing from Ms. Anh Thu, 25 years old (living in Minh Khai, Hanoi): “ Online shopping is both a hobby and a habit of mine, so combining the use of a point-return application is very reasonable and economical. In the past, I was quite scared when reading about information theft cases, so I had to be very careful when sharing personal information with online applications.

After a period of research, I learned about the MyPoint point-refund application, which is suitable for my shopping needs and is also reputable because it was co-founded by a large telecommunications group like MobiFone. I have been using it for almost a year now and have accumulated quite a few points, which are often used to exchange for discount vouchers, phone top-up cards or 4G data .

Interview with Mr. Huu Hoang (29 years old, in Long Bien, Hanoi) said: “ I have been using MobiFone network for ten years now, only recently heard about the MyPoint application so I downloaded it, waiting for a card top-up promotion to use. In addition to top-up, sometimes my wife asks me to buy diapers and milk for the baby, I buy them here to get points back and gradually save up to top up the card again. Quite versatile and economical! ”

It can be seen that cashback/point refund shopping applications have gradually developed and become an important part of modern life, helping consumers save costs and bring convenience when shopping online.

However, the most important and essential thing to help users ensure the safety of personal information is to choose a reliable application to minimize the risk of information theft or fraud in the increasingly complex digital world.

MyPoint is a point-to-redeem application co-founded by MobiFone. With a single common point type, MyPoint helps customers save more by accumulating points from all consumer activities such as phone top-up, package purchase, online shopping at Shopee, Lazada,... and other major brands with a refund rate of up to 30%.

Customers can use points to redeem recharge cards, data and promotional vouchers at more than 200 major brands in the MyPoint ecosystem.