ANTD.VN - The State Bank has coordinated with C06 - Ministry of Public Security to cross-check and clean 25 million customer records in the national credit information database. Currently, it is continuing to review and clean 26 million customer records...
On May 11, 2023 in Hanoi , the State Bank of Vietnam (SBV) held a press conference to announce the Digital Transformation of the Banking Industry in 2023. May 11 every year is also chosen by SBV as "Digital Transformation Day of the Banking Industry".
Cashless payments continue to increase sharply
According to Mr. Pham Anh Tuan, Director of the Payment Department (SBV), digital transformation activities in the banking sector have achieved positive results. According to the announcement of the Ministry of Information and Communications, in 2021, SBV ranked first in network information security, second in institutional development and fourth in digital transformation activities. 95% of credit institutions have built and are implementing digital transformation strategies at their units.
Many leading digitally transformed credit institutions have now achieved 90% of customer transactions via digital channels; many credit institutions have achieved good operational efficiency thanks to active digital transformation, reducing the cost-to-income ratio (CIR) to 30%, approaching the ratio that many regional and international banks are striving towards. The work of ensuring the security and safety of information technology systems is emphasized.
Non-cash payment (TTKDTM) indicators increased in both quantity and value of transactions. In the first 3 months of 2023 compared to the same period in 2022, TTKDTM transactions increased by 53.51% in quantity; via the Internet channel increased by 88.11% in quantity and 7.43% in value; via mobile phone channels increased by 65.55% and 13.31% respectively; via QR code method increased by 160.71% and 43.84% respectively; via POS increased by 37.57% and 32.09% respectively.
Meanwhile, ATM transactions decreased by 2.37% in quantity and 4.02% in value, reflecting the trend of shifting to electronic payments and e-commerce.
The total number of transactions via the Interbank Electronic Payment System increased by 8.55% in value; through the Financial Switching and Electronic Clearing System increased by 70.77% in quantity and 18.55% in value.
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Press conference to announce the 2023 Banking Industry Digital Transformation Event |
Coordinate with the Ministry of Public Security to clean up customer credit data
On April 24, 2023, the Governor of the State Bank of Vietnam and the leaders of the Ministry of Public Security signed a Plan to coordinate the implementation of tasks in Project 06 (Project on developing applications of population data, identification and electronic authentication to serve national digital transformation in the period 2022-2025, with a vision to 2030).
Up to now, the State Bank's public service (issuing personal digital certificates) has completed the connection and officially exploited the National Population Database (CSDLQGvDC) from December 2022.
The representative of the State Bank also said that this agency has coordinated with C06 - Ministry of Public Security to check and clean 25 million customer records in the national credit information database. Currently, it is continuing to check and clean 26 million customer records...
On the part of credit institutions, in 2022, some units such as Vietcombank, BIDV , VietinBank... coordinated with C06 - Ministry of Public Security to complete the pilot implementation of the authentication application solution via chip-embedded CCCD cards in some operations such as authentication, customer identification at transaction counters; Authentication, customer identification at ATMs, initially providing trial services at some branches in Hanoi and Quang Ninh from May 2022, currently expanding to provinces and cities.
In 2023, some banks such as Vietcombank have planned to officially deploy a solution using mobile devices to install an application to authenticate customers via chip-embedded CCCD cards (Match on Card - MoC solution) and update identity document information, initially expanding to all branches in Hanoi in May 2023;
BIDV has also completed 2 equipment procurement packages to deploy customer authentication solutions using chip-embedded ID cards when providing cash withdrawal services at automatic transaction machines, customer authentication at counters...
Some credit institutions such as Vietcombank, MB, PVComBank... have coordinated with C06 to test a citizen credit scoring system based on population data.
In addition, VietinBank is implementing lending activities by electronic means and especially unsecured loans for small loans. Through accessing and exploiting the National Database of Credit Institutions, VietinBank can assess debt repayment ability and speed up the loan approval process, contributing to limiting the situation of black credit.
This year's Banking Digital Transformation Event 2023 has the message theme "Application of population data in banking activities - a driving force for digital transformation" scheduled to take place on May 18, 2023.
This topic emphasizes and affirms the determination of the banking industry in continuing to effectively implement the tasks in Project 06 of the Prime Minister. In particular, focusing on the tasks of connecting and exploiting the National Population Database to clean customer data and serve the professional activities of the banking industry (such as credit scoring, online customer authentication, multi-dimensional information authentication...).
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