Payment via e-wallet, how to ensure safety and convenience?

Using electronic wallet to pay online instead of cash is becoming a trend of Vietnamese consumers. But technology wallets are also the target of cyber attacks … E-wallet is the target of hackers According to Mr. Le Anh Dung – Deputy Director of Payment Department (State Bank of Vietnam), the State Bank has licensed 37 payment intermediaries, including 34 e-wallets. By the end of the first quarter of 2020, Vietnam has 13 million e-wallet accounts activated and used with a total wallet balance of about 1.36 trillion dong. Data from the State Bank showed that in the first quarter of 2020, there were about 225.6 million transactions made via e-wallets, with a transaction value of 77.7 trillion dong. Those are “talking numbers”, showing the incredible speed in transactions via e-wallets in Vietnam. Experts say that the potential of this market in Vietnam is still very large. The growth rate of electronic wallets in the coming years will continue to increase strongly. For users, payment via e-wallet is also proving convenient. Payment units are expanding day by day, users can purchase and pay with just a few taps on the phone. The advantage is: no need to bring cash, convenience and transparency in payment. However, e-wallets in particular, as well as online payment gateways in general, are targeted for cyber attacks. According to the Center for Monitoring and Reaction on Cyberspace (Viettel Cyber Security Company – VSC), in the first 8 months of 2020, more than 3 million cyber attack warnings were detected on financial systems, banks, IT networks in some provinces and cities nationwide. In which 90% target the financial and banking systems. In the press, on social networks, many articles warn about users being attacked and phishing to steal payment accounts. Since then, payment service providers also have to continuously update and upgrade the system to ensure the safety of assets, as well as information of users. Security and safety in payment on e-wallets are considered the top priority of service providers, also the number one priority of users. VinID Pay increases the safety of users Financial experts affirmed that using e-wallets that meet high-end security standards such as: PCI DSS, Tokenization, 3D-Secure … is one of the solutions to increase security. Recently, VinID Pay achieved the highest level of PCI DSS international security certificate (Level 1) issued by the PCI Security Standards Council. The representative of Vingroup said that this certification is a system of more than 200 requirements and standards on: data security, policies, processes, network structure, software system. The PCS DSS Level 1 is the top level, for banks and international card issuers or vendors with over 6 million transactions per year. VinID Pay is known as one of the electronic wallets with wide coverage on the market today. In addition to “traditional” affiliate channels such as supermarkets, bill payment, online shopping … VinID Pay also has a number of useful services such as buying car insurance, buying passenger car tickets, buying a house, renting help. remote work … or “monopolies” such as: buying tickets to the Sky Tour by Son Tung M-TP, live-concert tickets “Short Stories” by Ha Anh Tuan (both in 2019). By 2020, VinID Pay users will also own another “privilege”: online payment with all grocery stores affiliated with VinShop. According to statistics, Vietnam currently has about 1.5 million grocery stores stretching from north to south, present in both big cities and rural areas. About 40,000 of them are currently affiliated with VinShop, and this number is constantly growing. Accordingly, many users only need to step out of the house to buy things, pay online via VinID, no cash. Compared to finding mini supermarkets – which are not too popular in many localities in Vietnam, to be able to pay online, this is an optimal solution. Source: https://vietnamnet.vn/vn/kinh-doanh/thanh-toan-qua-vi-dien-tu-lam-sao-de-dam-bao-an-toan-tien-loi-696292.html

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