Cybersecurity management in a digital environment is fraught with risks.

Mr. Nguyen Quoc Hung, Chairman of the Vietnam Banking Association, said that in recent times, Vietnam has witnessed the explosion of the digital financial services ecosystem. Non-cash payments have developed strongly; digital banking has become the main transaction channel; electronic identification and authentication have made great progress; AI and machine learning applications have been promoted in credit appraisal, risk management, fraud prevention, operation optimization and multi-channel customer care.

With more than 90% of transactions now conducted digitally and over 87% of adults owning a bank account, the data generated every day has become a resource for banks to design smarter, more convenient and safer products and services. The reconciliation of 119 million personal accounts and 1.1 million corporate accounts from the national population database, along with credit data from more than 54 million customers, has opened up the possibility of providing more accurate, transparent and personalized services than ever before.

However, the banking industry is facing many challenges in effectively exploiting data sources: How to transform huge amounts of data into seamless, customer-centric experiences at every touchpoint, how to combine artificial intelligence (AI), big data analytics and new technologies to provide real-time personalized services while still ensuring safety and security.

Participating in this discussion session, experts focused on the main contents including: Data security on mobile devices for businesses, identifying internal risks using AI, preventing data leaks in the financial services sector, potential threats in financial traffic, sharing experiences in responding to ransomware attacks...

Mr. Tran Quoc Long, Head of Technical Department of Vietsunshine, shared about the potential risks from encrypted traffic and internal traffic moving sideways, which are the biggest "blind spots" for customer data and payment systems.

Mr. Nguyen Duc Thang, Director of Consulting Department Asia - Pacific of Group-IB, provided a comprehensive picture of the cybersecurity landscape in the era of digital banking. The presentation analyzed the emerging fraud trends as cybercriminals change their tactics to exploit new digital platforms, and discussed the challenge of balancing security and user experience, especially in the context of Vietnam's recently issued Law on Personal Data Protection in 2025.

The program concluded with an in-depth discussion session moderated by Mr. Vu Ngoc Son, Head of Research, Consulting, Technology Development and International Cooperation, National Cyber Security Association. The discussion session brought together leading experts from banks, technology enterprises and international organizations.

Source: https://baotintuc.vn/xa-hoi/quan-tri-an-ninh-mang-trong-moi-truong-so-tiem-an-nhieu-rui-ro-20250925162924807.htm