Accordingly, for customers who do not have a Citizen Identity Card or a chip-embedded Citizen Identity Card (customers who only have a valid Citizen Identity Card or a non-chip-embedded Citizen Identity Card as prescribed by law), the authentication method using the customer's biometric identification (for transactions of types C and D as stipulated in Article 1 of Decision 2345) is carried out by matching the biometric data stored in the customer biometric database that has been collected and verified, with the verification being conducted through a face-to-face meeting.

For customers with chip-embedded citizen identification cards but using phones that do not support NFC (Near-Field Communication wireless connectivity standard), authentication using the customer's biometric identification (for transactions of types C and D as stipulated in Article 1 of Decision 2345) will be implemented:

Through the verification of the customer's electronic identity account, which is created by the electronic identity and authentication system;

Or it matches the biometric data stored in the collected and verified customer biometric database, where the verification is performed as follows:

The biometric data of the customer matches the biometric data in the chip of the customer's citizen identification card issued by the police agency by performing the process at the transaction counter, using the unit's chip-based citizen identification card reader/phone;

Or a correct match between the customer's biometric identification data through the customer's electronic identity account verification created by the electronic identification and authentication system.

TPBank Biometrics.jpg
Photo: TPB.

Regarding transaction verification for deposits and withdrawals from e-wallets (as stipulated in Appendix 01 of Decision 2345), the State Bank of Vietnam (SBV) stated that for deposits and withdrawals from e-wallets via linked payment accounts/debit cards, if the customer has already verified their identity with the bank when linking the account using authentication methods for transactions of type B or higher (excluding authentication methods using biometric identification associated with smart handheld devices), then this authentication method is not mandatory for deposits and withdrawals from e-wallets with limits of VND 10 million or less and a total transaction value less than or equal to VND 20 million.

Thus, the above guidance of the State Bank has promptly resolved people's concerns when many people, for various reasons, were unable to register for facial authentication.

Prepare the plan and decide to implement it starting July 1, 2024.

To prepare for the implementation of Decision 2345 from July 1, 2024, the State Bank of Vietnam requests that units prepare plans, hotline channels and arrange staff on duty 24/7 to promptly guide and support customers in registering and using biometric authentication information.

Actively coordinate with the National Population Data Center - Department of Administrative Management of Social Order - Ministry of Public Security and other relevant organizations to prepare plans to address difficulties and obstacles in the process of registering and using biometric authentication services from July 1, 2024.

Implement technical solutions to ensure the security and safety of customer information and data, complying with all applicable laws on personal data protection and information system security.

To avoid transaction congestion and support customers promptly, we encourage units that have completed implementation to promptly provide services to customers.