Proactive prevention

Fraud stems not only from people's carelessness but also from the rapid development of technology, making it increasingly difficult to distinguish between genuine and fake products.

In many cases, personal data and digital accounts are compromised early on without the user's knowledge, and by the time the full scenario is complete, it's often too late to issue a warning.

Therefore, the solution cannot simply stop at advising increased vigilance, but must shift to a preventative mindset from the root, focusing on controlling personal data, financial flows, and digital touchpoints – key factors determining the effectiveness of fraud prevention.

From a legal perspective, the current regulatory framework is quite comprehensive and is entering a new phase with a higher deterrent effect. The Personal Data Protection Law 2025, officially effective from January 1, 2026, and the Cybersecurity Law (amended), effective from July 1, 2026, have clearly established the right of citizens to control their data, the responsibilities of businesses, and prohibited acts such as fraud, forgery, data trading, or the illegal use of artificial intelligence.

Notably, the Law on Personal Data Protection stipulates very strict penalties: violations involving the transfer of personal data across borders can be fined up to 5% of the previous year's total revenue; the illegal buying and selling of personal data can be fined up to 10 times the amount of illicit profit; and other violations can be fined up to 3 billion VND for organizations. This is considered a "steel fist" for businesses holding large volumes of data, such as banks and technology companies. However, the core issue is not the lack of laws, but the need for these regulations to be enforced decisively, continuously, and ahead of changing criminal patterns. If the law remains only on paper, while personal data continues to be leaked and traded clandestinely, then online fraud will continue to thrive.

To prevent fraud at its root, the cost of committing the crime must outweigh the benefits the perpetrators gain. When bank accounts and e-wallets are closely monitored, unusual money flows are promptly blocked, and spam SIM cards and calls are regularly eliminated, the space for criminals to operate will be significantly reduced. Simultaneously, digital platforms need to take more substantial responsibility in controlling advertising content, especially advertisements related to financial investments and cryptocurrencies, preventing fraudulent schemes from masquerading as legitimate technology.

Another crucial factor is the speed of response. Online scams change every day, every hour, so waiting for the full verification process before intervening means the damage has already occurred. Early warnings and quick blocking of suspicious websites, links, and accounts should be implemented immediately upon detecting any unusual activity, in parallel with legal action.

Online fraud will continue to evolve with technology. Therefore, a sustainable solution is not to chase after each case, but to build a proactive prevention mechanism where the law is strictly enforced, data is securely protected, and all stakeholders react one step ahead of criminals. Only then will the prevention of online fraud truly be in-depth and yield long-term results.

Le Tinh wrote

Source: https://nld.com.vn/phong-ngua-chu-dong-196260103200124126.htm