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Implementing Project 06 under Decision No. 06/QD-TTg dated January 6, 2022, the banking sector has identified population data as a "golden resource" for cleaning, standardizing, and improving the quality of industry data. This work is being carried out in close coordination between the State Bank of Vietnam and the Ministry of Public Security , ensuring that the data is "accurate, complete, clean, and active."

The State Bank of Vietnam has been implementing a system to connect and utilize the National Population Database to serve online public services since December 2022. By January 14, 2026, the system had supported the processing of over 1,739 applications. The State Bank of Vietnam is also one of the ministries and agencies that completed the early synchronization of 100% of specialized databases to the National Data Center according to Resolution 71/NQ-CP.

In addition to serving internal management, the State Bank of Vietnam has also proactively developed APIs for data sharing with the Government Office and the State Audit Office through the National Data Integration and Sharing Platform, contributing to the formation of an open data ecosystem that effectively serves management and administration.

Administrative reforms linked to the complete digitalization process continue to be promoted, helping to reduce costs for citizens and businesses. By 2025, the State Bank of Vietnam had reduced and simplified 90.3% of administrative procedures; provided a total of 57 complete public services, and completed 100% of eligible procedures related to businesses.

For credit institutions and payment intermediaries, the implementation of customer authentication via chip-embedded citizen identity cards and the VNeID application has yielded many positive results.

As of January 23, 2026, the entire industry had biometrically verified over 146.1 million individual customer records and over 1.6 million institutional customer records. Many banks and payment intermediaries have successfully implemented electronic authentication solutions, linking social security accounts with bank accounts to facilitate payments via VNeID.

The effectiveness of digital data is clearly demonstrated through the Customer Risk Management, Monitoring and Prevention Information System (SIMO) piloted by the State Bank of Vietnam. By January 14, 2026, the system had issued over 2.6 million alerts; of which more than 831,000 customers had temporarily suspended or canceled transactions, contributing to preventing risks with a total transaction value of nearly VND 3,060 billion.

The above results show that digital transformation, cashless payments, and the implementation of Project 06 are becoming important drivers for modernizing the banking industry, improving service quality, ensuring system safety, and making a positive contribution to socio-economic development.

Source: https://vtv.vn/canh-bao-giao-dich-co-dau-hieu-lua-dao-100260205163624339.htm