Accordingly, TPBank is one of two joint stock commercial banks selected to take on this responsibility. The account number 84123456789 means “Vietnam – Moving forward” of the Vaccine Fund for Disease Prevention and Control at TPBank, showing the determination of the Government and people to win the pandemic. Collectives and individuals at home and abroad can transfer donations to the account of the State Treasury opened at TPBank with the following information: 1. Account name: Vaccine Fund for COVID-19 Prevention and Control 2. Account number: – VND account: 84123456789 (Vietnam – Tien Len) – USD account: 84223456789 – EUR account: 84333456789 At the same time, when donating to the vaccine fund, TPBank customers do not need to spend time finding and entering the receiving account number like regular money transfers. The “Donate” feature with a prominent heart icon on the chest right on the main screen of the TPBank app has been automatically installed to the recipient account as the COVID-19 vaccine fund. Customers only need to select “Donate” as soon as they successfully log in to TPBank app, enter the amount, then enter the verification code to successfully transfer their contribution to the Vaccine Fund. With a deep awareness of the importance of vaccines and high responsibility to society, TPBank took advantage of a leading digital bank to quickly launch this feature to help customers support the vaccine fund most conveniently. Right after the launch of the “Donate” feature, the spirit of “Donation is to work together” to repel the pandemic was practically responded by leaders and employees of TPBank. Up to now, over 27 billion VND with about 4,000 donations to the Vaccine Fund have been transferred through TPBank system. Most recently, on May 26, TPBank also contributed 10 billion VND to the Vaccine Fund, supporting the Government in this fight against COVID. Representative of TPBank, General Director Nguyen Hung shared: “ The efforts of TPBank, the whole people together with the Government to make the plan of universalizing Vaccines to every home quickly come true so that normal life will soon return to everyone. “.

With TPBank, you can also use it as a second account number at the bank. It only takes a few seconds with a simple operation right on the TPBank app to “turn” a phone number into an account number. From there, when anyone who needs to transfer money to you can enter one of these two numbers, the money will be transferred to your correct account at TPBank. So, of course Gen Z can skip taking notes or remembering account numbers even when having a TPBank account for the first time. You also do not need to provide your “long-term” account number to the transferor who already has a phone number associated with your TPBank account. This utility is not only possible when transferring money between TPBank accounts, but any bank account belonging to the Napas payment network can transfer money to TPBank in this way. Use voice / type the keyword “call” the feature on the “cool” app Gen Z will not need to spend time searching for themselves when they want to make any transactions on the TPBank app. Because the app already has a “Quick search” feature – smart search by typing keywords or voice so you can quickly “call” the features you need in a split second. Currently, the only TPBank app is a banking application. The only number in Vietnam that brings you this “kool” utility. For example, you want to see what you spent on your credit card last month. At the main screen after successfully logging in to the app, click the search icon or the microphone, then type or say the keyword “credit card”, the app will automatically display the related services, you just Choosing the right feature for your needs. Extremely easy and accurate for all utilities even if you are a new customer just using the TPBank app for the first time. “Savior” for the “goldfish brain” association Having to remember a lot of information / things to do is always something that makes the “goldfish brain” team sweat. That’s when you have not taken advantage of all the utilities from the TPBank app. There is no need to remember the login password because you can completely open the TPBank app thanks to the face recognition feature. Even the transfer transactions under 1 million, you can authenticate with your face instead of entering the OTP code. You also do not need to memorize or note the payment schedule for electricity, water, internet, cable TV, or “etc. Period, TPBank app will do it for you. Or what did you spend the last month, transfer money to someone but don’t remember whether you have transferred it or not, etc. Just open the app and you will have the information immediately, no need to take notes or scratch your ears to try to remember again. Not only using a banking app just to transfer money or save money, Gen Z can easily solve many problems in life in a very trendy, “cool” way by taking advantage of modern conveniences that no one can afford. also easy to use on TPBank app. Download the app and experience the leading digital banking service right here.

Measure body temperature for customers at TPBank on Ly Thuong Kiet Street. In recent days, just walking to any transaction office of banks in Hanoi, customers are measured body temperature by bank security staff and asked to wear masks and disinfect hands. At the transaction areas, not only the glass booths, all bank staff wear masks or hats with diaphragms. In particular, money collected from customers must be carefully disinfected before moving to another place. Employees wear gloves before dealing with customers to ensure the prevention of epidemics for both customers and employees when transacting. General Director of Tien Phong Commercial Joint Stock Bank (TPBank) Nguyen Hung affirmed that the bank strictly implements regulations on epidemic prevention and control, both to protect the health of bank employees and to contribute to in the fight against the Covid-19 epidemic. Therefore, at the transaction points, as well as the working rooms of the bank, they are fully equipped with temperature measurement equipment, masks as well as hand sanitizer. TPBank employees, even those who do not have to deal directly with customers, are required to wear masks. Other banks such as Orient Commercial Joint Stock Bank (OCB), Southeast Asia Commercial Joint Stock Bank (SeABank), An Binh Commercial Joint Stock Bank (ABBANK), etc. “turn on” the Covid-19 prevention and control mode to the highest level at all transaction points. The staff at OCB on Lang Ha Street all wear masks to prevent the epidemic. In addition to taking serious prevention and control measures, banks also continuously send warnings by text message, email, as well as post notices at the door of transaction points to encourage customers to make online transactions. at home through banking applications on smartphones and internet banking on computers. According to Official Dispatch No. 02/CD-NHNN of the State Bank (March 11, 2020) on strengthening the prevention and control of the Covid-19 epidemic in the new situation, the State Bank requires credit institutions, Foreign bank branches carry out regular disinfection, disinfection and cleaning at cash transaction areas, vaults and automatic teller machines (ATMs). Take measures to clean and disinfect cash (bundles, bags) collected before being stored at the end of the day or before being returned to the State Bank. In case the amount of cash in stock is high, branches of credit institutions after disinfecting may keep them in the warehouse for a certain period of time before disbursing money to customers.

Many banks are aiming to build digital banking Many opinions suggest that the institution for the digital transformation of the banking sector basically meets the development of society and the trend of not using cash. “However, the current institutional reforms sometimes still follow the market trend in the short term because it focuses more on the payment segment. Meanwhile, in response to the long-term development of the banking and financial technology industries, there is a lack of sandboxing mechanisms to help the implementation of new technologies gain support. and legal framework from the beginning ”, said Mr. Nguyen Hung, General Director of TPBank. Many regulations need to be further improved Banks also said that the legal framework and policy should continue to be completed, in which, the prerequisite is to speed up the process of building and developing the national database system on personal identification. and at the same time allow sharing, open connection with service industries such as banking, telecommunications, insurance … “Despite applying modern technologies, Vietinbank’s solutions cannot guarantee 100% accuracy that the identity documents that customers provide online are real, so all banks are looking forward to it. the national residential data system for the most accurate authentication, ”shared Deputy General Director of Vietinbank Tran Cong Quynh Lan. Representatives of banks also asked the authorities to issue a draft of agent banking to allow banks to develop service points (when banks are not allowed to open many branches / transaction offices. ). At the same time, it is necessary to speed up the development of regulations on user data protection, digital identity, and building an eKYC alliance. Complete regulations on transaction confidentiality, information security, detailed regulations on electronic signatures, electronic certificates, electronic transactions in accordance with international practices … A very important content is the permission to deploy the Sandbox mechanism – policy testing mechanism applicable to the application of new technologies and new business models in Vietnam. Allowing banks in the digital transformation process to have certain exceptions in meeting safety and efficiency ratios according to the State Bank’s regulations will help the bank boldly research and test new things. According to Mr. Duong Trong Chu, Director of Digital Banking Division of Lien Viet Post Bank, compared to some countries in the region, Vietnam’s digital conversion speed is relatively fast, but Vietnam is not yet a typical example of a country with the fastest speed of digital conversion in the world. Vietnam has a young, flexible and easy to accept the digital transformation model, but we face certain barriers. First, it must be mentioned that the Vietnamese people’s habit of using cash is too great. Second, Vietnamese people tend to trust physical transaction points rather than a digital bank model without branches / transaction offices. Third, the policy has almost no compulsory regulations for digital transformation, just stop at encouraging. Vietnam is an eager market to learn but takes a lot of time to implement because the legal corridor is slower than the development of business models. International experience shows that major cyber attacks are a top concern in the short term, and organizations face important trade-offs in improving their endurance and resilience. school network. According to a survey by Oliver Wyman, cyber attacks are rated as the No. 1 global risk by business leaders in developed economies as the No. 1 global risk in implementing business operations. Mr. Nguyen Xuan Nam, Strategic Director of Viettel Cyber ​​Security Company, affirmed that technology issues related to bank number conversion are now relatively safe, even able to catch up with the technology. Around the world, of course, there is still a need for improvement for the better, but people should not be too worried. For example, the current mobile banking applications are all applying new technologies to prevent exploitation of source code and are not allowed to be installed on unsecured phones. However, according to Mr. Nam, a problem posed is that the legal corridor related to user data is not very strict, such as regulations on information disclosure, personal data theft, as recently. There have been a number of cases of using data without the subject’s permission to register for credit cards or loans … Mr. Nam personally said that having opened a card at a bank A, the next day, there was a bank. customer B calls to ask, which means that customer information disclosure is quite common. However, according to Mr. Nam, from the consumer perspective, the most important thing is not about technology or legislation, but the consumer perception of information security, which is still relatively weak. There have been a lot of personal information theft, account theft not due to technology or legal, but due to the carelessness of users. Therefore, each citizen must actively learn basic cyber safety skills, along with state agencies accompanying businesses in communication to raise awareness for the people. Consider the risks and benefits Mr. Nguyen Ba Diep, Vice Chairman of MoMo e-wallet, said that a digital and innovative innovation model cannot work based on old regulations, heavy management, does not promote innovation. create. A simple example, instead of the parties coming to meet to sign a contract, we will use a digital signature (e-signature), sign on an e-contract, output digital documents. (e-invoice), payments in digital money (e-money) and transactions are done on digital platforms (digital platforms). Therefore, there is a need for legal provisions to create digital signatures, to identify (KYC), the identity of the signer, the legitimacy and protection of digital contracts, regulations on payment in money. electronic, manage sales on digital platforms and accept digital vouchers. “In order to meet the comprehensive digital transformation, the legal structure must also have changes in quantity and quality. However, this takes a lot of time for state management agencies to weigh risks and benefits, this is also a common trend happening worldwide because in reality there is no legal mechanism. can fully adapt to the revolutionary changes created by current technology “, Mr. Diep said. A lawyer in charge of managing a large Vietnamese commercial bank said that, basically, the current legal institutions are still inclined to paper transactions, cash transactions. There are a number of examples of this, but there is not yet a unified definition of digital assets and when there is an administrative dispute or violation, a criminal offense, there are a lot of problems like the definition by Evidence, evidence, electronic contract in the field of electronic transactions, digital transactions, how do we understand the integrity and originality of digital evidence? Another example, when a person dies leaving behind an amount of Bitcoin without an heir, nor with a password for the wallet containing Bitcoin, how will this “derelict property” be handled? Among the many problems posed with the bank number conversion, the lawyer said that banking transactions can be done almost entirely electronically, but still on the basis of a ” the first “paper” that the user communicates with the bank. However, the story would be very different if the whole process was done entirely electronically. “When taking photos of identity papers or photos of users, what data does the bank get to confirm the identity of that person?”, This person raised the problem. Agreeing with Vietinbank’s opinion, this lawyer emphasized that building a shared, linked database is extremely important to reduce effort and costs for all subjects in the commune. associations, including banks. All current legal issues pose many risks for financial and banking services on technology platforms. Therefore, the lawyer also proposed to amend the Law on Credit Institutions to be more practical, and soon allow the application of a sandbox mechanism for these services. Term 4: Legal provisions in digital economy need to be improved