Agribank promotes the application of population data under Project 06.
The project to develop applications for population data, identification and electronic authentication to serve the national digital transformation in the period of 2022-2025, with a vision to 2030 (Project 06) allows units in the banking sector to exploit the national population database, exploit information on chip-based ID cards and use electronic identification accounts (VNeID) provided by the Ministry of Public Security . This plays a very important role for the banking sector to apply and deploy digital services on the network environment, accurately authenticate customers, and prevent crimes. Clean up information of nearly six million customers In the past time, Agribank and the whole sector have focused on implementing Plan 01 between the banking sector and the Ministry of Public Security in implementing Project 06 of the Government. This is also one of the key tasks in Agribank's digital transformation plan, which has been resolutely directed by the Board of Members, the Executive Board and leaders at all levels, focusing resources on implementation. To date, Agribank has completed the construction of a customer information authentication and cleaning management system, allowing for synchronization, management and exploitation of cleaned customer data from channels, effectively supporting the process of connecting to the National Population Database and organizing the updating of biometric data. As of December 20, 2024, Agribank has cleaned information for nearly 6 million customers. In addition, Agribank has also continuously promoted and focused resources on researching and implementing solutions to promote digital transformation, building and developing a digital product and service ecosystem. Specifically, Agribank promotes the application of digital technology to all product and service groups such as capital mobilization; domestic payments; cards; international payment; foreign exchange trading; remittance; e-banking; treasury and currency management; agency trust; linked products and services, insurance... In particular, for digital platforms for individual customers, Agribank has upgraded and developed new utility functions (with nearly 90 utility services) such as updating customer data from chip-embedded ID cards, authenticating customers according to transaction limits meeting the requirements in Decision No. 2345/QD-NHNN,... providing effective and quality digital services to more than 12 million customers at Agribank. According to Agribank General Director Pham Toan Vuong, Agribank currently provides more than 200 banking products and services to 16 million customers using payment services via accounts and nearly four million loan customers, through a network of more than 2,300 branches and transaction offices in 63 provinces and cities. With individual customers accounting for 70% of the total number of customers, Agribank is currently the largest retail bank in the Vietnamese banking system. In order to further promote the implementation of population data applications in banking activities, recently, Agribank and the Center for Research and Application of Population Data and Citizen Identification (RAR) - Ministry of Public Security signed an agreement to deploy electronic authentication services via VNeID on Agribank Plus. "Implementing electronic authentication via VNeID on the Agribank Plus application will help optimize customer experience, especially during the period when Agribank promotes its digital transformation strategy," Mr. Pham Toan Vuong emphasized. 61.5 million customers authenticated by biometrics Director of the Payment Department (State Bank of Vietnam) Pham Anh Tuan said that in the past time, the State Bank has directed strongly, determinedly, closely following the common tasks of Project 06 and Plan 01 between the Ministry of Public Security and the State Bank, issued Decision No. 2345/QD-NHNN on implementing safety and security solutions in online payment and bank card payment; including regulations on using VNeID as one of the channels to identify customers by biometrics when making online payment transactions. With the continuous efforts of the units, as of December 20, 2024, the whole industry had more than 84.5 million customers registered to use online accounts, of which 61.5 million customers had performed biometric authentication. According to Mr. Tuan, Agribank is one of the banks that proactively built a new payment channel for individual customers to ensure smooth and stable payment. The signing of the implementation of biometric collection and comparison via VNeID of the bank also demonstrates the active implementation of Plan 01 between the banking industry and the Ministry of Public Security in implementing Project 06 of the Government. Up to now, along with Agribank, many other banks have also deployed electronic identification via VNeID such as Vietcombank, MB, BIDV , Techcombank, etc., helping users to authenticate biometrics instead of going directly to the transaction counter. In the coming time, the representative of the State Bank of Vietnam also hopes that the banking industry will have more units signing with the RAR Center to implement this content, contributing to improving customer experience and preventing risks, ensuring security and safety for customers; clearly shaping the viewpoint of "taking customers as the center" of the banking industry. Thus, the deployment of electronic authentication services via the VNeID platform is not simply a technological solution for electronic authentication and identification, but also opens up great opportunities in exploiting and creating surplus values of data, laying the foundation for the extensive and sustainable development of the banking industry in the digital age. More than simply collecting information, Major General Nguyen Ngoc Cuong - Director of Department C06 (Ministry of Public Security) affirmed that the VNeID system facilitates data to be processed, analyzed and transformed into knowledge. This not only helps banks better understand the needs and behaviors of customers, but also supports the design of personalized financial products, optimizes customer service and develops flexible business strategies. The deployment of electronic authentication services via VNeID not only supports people to conduct banking transactions more easily but also ensures information security and minimizes the risk of online fraud.Vietnam.vn
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