Application Mobile Banking (banking on mobile) is researched and developed by VNPAY. Applications installed on mobile phones help customers manage accounts, perform financial transactions and other added conveniences, suitable for most smartphones and tablets, support Support installation on both iOS and Android operating systems.
With Mobile Banking, customers can quickly perform utilities with the Bank such as:
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View account information: list of accounts, account status, balance, transaction history.
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Transfer: Transfer by QR code, ordinary transfer
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Online Savings
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Login and authenticate transactions by fingerprint, face, Soft OTP
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Send/receive messages on OTT . platform
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Top up phone, Buy card code
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Pay bills for electricity, water, phone, school fees
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Buy goods, pay bills for goods by scanning QR code (QR Pay)
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Ticket booking
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Online check-in
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Book a bus ticket
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Book train tickets
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Book a taxi
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Book hotel room
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Online shopping VnShop
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Buy movie tickets
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Send congratulatory money
Other value-added services such as credit card payment, information exchange, ATM lookup, branch, exchange rate, interest rate, portfolio management, entertainment, etc.
The Mobile Banking system is built on a mobile platform combined with the latest technologies such as AI, Big Data, Blockchain… These technologies are applied the most advanced and new programming techniques, allowing the processing process. Information management is quick, accurate and ensures high security requirements.
The Mobile Banking system combines the use of a private key technology (Private Key) issued to a device plus an authentication requirement based on the phone’s IMEI to ensure the uniqueness of the device. For data transmitted and received between the device and the bank is encrypted with a secure transmission certificate (SSL certificate), certified by leading security firms such as: VeriSign, Entrust, … to help data on the road The transmission is encrypted, avoiding the disclosure of information about the customer’s account when the data is sent from the phone or mobile device to the system server and vice versa.
In order to increase the system user’s authentication, when logging in, in addition to the requirement to use username (username) and password (password) like other systems, Mobile Banking system provides each customer with a solution. The method of automatic password generation when transacting is called OTP (One Time Password).
The Mobile Banking system includes 2 main components:
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Mobile Banking Front-End: Provide user interface. This is a component that interacts directly with the customer and is built on the mobile operating system with the latest technologies.
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Mobile Banking Back-End: Provide an interface for bank staff to use to register customers, administer, monitor and operate the system. The module is built on the Web with the latest technology.
Banking partners using the service: Agribank, Vietinbank, BIDV, Vietcombank, VPBank, LienVietPostBank, NCB, Oceanbank, VietBank, ABBANK, BIDC, Eximbank, HDBank, Indovinabank, NamA Bank, Saigonbank, SCB,….
