Guide to biometric authentication in banking applications.

From July 1, 2024, customers wishing to make transfer transactions exceeding VND 10 million or cumulative transactions exceeding VND 20 million per day will be required to use biometric authentication on the bank's application as stipulated in Decision 2345/QD-NHNN.

This regulation aims to enhance security and ensure the safety of online banking transactions. Below is a detailed guide on how to perform biometric authentication, which only takes about 10 minutes.

Log in to your banking app.

When logging into your banking app during this period, a notification prompting biometric verification will appear at the top, making it easy for users to complete the verification process. If the notification doesn't appear on the home screen, you can find it in Settings or Accounts.

When you log into the VPBank app, you will receive a biometric verification notification.

For example, in the VPBank app, this notification appears right after logging in, while with Vietinbank , you can access the FacePay settings under Transaction Authentication - Settings.

Taking a photo for the citizen identification card.

The first step is to take a picture of your citizen identification card (CCCD).

The first step in the verification process is to take a picture of your Citizen Identification Card (CCCD). You need to clearly photograph three parts: the front, the QR code on the right side of the front, and the back of the CCCD. To ensure image quality, place the CCCD on a smooth surface, away from direct sunlight to avoid glare that could prevent the application from recognizing it.

Facial authentication

The app will require facial authentication. You should choose places with few people and objects in the background.

After taking a photo of your ID card, the app will ask for facial verification. Choose a location with few people, minimal background objects, and sufficient lighting for clear facial recognition. You will need to turn your face to the left, right, bend down, and look directly at the camera. Perform these actions slowly to avoid errors and having to repeat the process.

Verification of chip-embedded citizen identification cards.

The final step is to verify your chip-embedded ID card. To do this, you need to enable NFC on your smartphone.

The final step is to verify the chip-embedded national identity card.

With iPhone: NFC is always enabled.

If you're using an Android phone: Go to Settings > Connections to turn on NFC.

After enabling NFC, hold your chip-equipped ID card near the back of your smartphone for about 3-4 seconds to allow the app to read the information on the card. Once the app has recognized the information, double-check all your personal information and confirm to complete the verification process.

Source: https://www.congluan.vn/huong-dan-xac-thuc-sinh-trac-hoc-trong-ung-dung-ngan-hang-post302045.html