Article 8, Circular 50/2024/TT-NHNN with many regulations on safety and security for providing online services in the banking industry will take effect from January 1, 2025.
In particular, Article 8, Clause 2 stipulates: "Do not allow the function of remembering secret access codes". This provision makes many people worried.
Mr. Le Hoang Minh (Vinh Tuy district, Hanoi ) said: "I am used to the bank remembering my password every time I log in, so I have not cared about remembering it for a long time. This is very suitable for busy people like me. But when I learned that the banking application will no longer have the function of remembering login passwords, I was worried that if I am not used to it and accidentally forget the password, I might have trouble when I need to make urgent transactions. Even more dangerous is that the account can be temporarily locked if I enter the wrong password many times."
Similarly, Ms. Huong (Dong Da district, Hanoi) also said that the bank's ability to remember login passwords has helped her make online transactions quickly and easily. When learning about the new regulation, Ms. Huong is struggling to find a way to write down her bank password while still ensuring safety. "Setting a password with easy-to-remember numbers is easy to detect. Setting a complicated password is difficult to remember. I also don't know how to do it well. I should write it down so that if I forget it, I can still look it up," Ms. Huong said.
According to the banking industry's recommendations, after the new regulations take effect from January 1, 2025, account holders need to prepare a number of measures to adapt and ensure safety and security for their online transactions, including:
Backup your secret key: Users should backup their secret access key in a safe place. For example, you can write the key in a secure notebook or use a reputable password management application. This will make it easy to access when needed without having to worry about forgetting the key.
Update your bank contact details: Make sure your bank contact details (email, phone number) are up to date and accurate. This will help the bank contact you in a timely manner if they need to verify your identity or provide assistance if you have problems with your secret key.
Using biometrics: Logging in through biometric security such as fingerprints and faces is one of the good alternative login methods, these methods are applying more advanced, safe and convenient technologies. Besides logging into applications, biometric technology is also used for money transfer transactions and identifying the owner's account.
Use additional authentication methods: Many banks offer additional authentication methods such as OTP (One-Time Password), two-factor authentication (2FA) for added security. Enable and use these features to ensure safety when transacting online.
In addition, users should change their banking habits with the following suggestions:
Check your account regularly: Take the time to check your bank account regularly to detect any unusual activity early. This will help you react quickly and contact the bank if you spot signs of fraud.
Conduct transactions at home: Try to conduct financial transactions at home or in a safe place, avoid using public Wi-Fi networks to reduce the risk of cyber attacks.
Contact the bank immediately: If you have difficulty using online banking services or forget your password, contact the bank immediately for timely support.
VN (synthesis)Source: https://baohaiduong.vn/ngan-hang-khong-nho-ho-mat-khau-dang-nhap-nguoi-dung-phai-lam-gi-401269.html
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