Farmers are insecure because their personal information falls into the hands of online scammers

 

Many farmers report that strange phone numbers calling to inform them that they have a cold ticket for violating traffic laws are common in rural areas. These subjects know people's full names, exact hometowns, and even citizen identification numbers...

Electronic payment must be safe and secure.

At the conference "Digital transformation of banking, finance and opportunities for farmers" organized by the Central Vietnam Farmers' Union in coordination with the State Bank on October 13, many comments were concerned about the situation of exposure. personal information; Widespread buying and selling of personal information makes people feel insecure when using digital banking services, especially farmers and disadvantaged groups.

PROBLEMS WITH SPAM SIM, SPAM CALLS AND TRADING OF PERSONAL INFORMATION

Mr. Pham Van Quyen, Chairman of the Board of Directors and Director of Nam Viet Cooperative, said that in the past, transactions that had to be paid in cash were very inconvenient, such as having to carry cash on your person, which could cause risks of loss, robbery, or theft. If there are errors in counting, now you just need to transfer money very quickly.

In addition, many farmers attending the seminar shared other benefits when using the bank's digital services. In the past, using cash made it very difficult to buy, sell and trade goods with distant partners, but now it is much simpler through electronic payment operations. Cooperatives can expand the scope of partners nationwide and even abroad.

With electronic payment services, purchases and sales expenses can easily be tallied quickly and accurately.

Many cooperative directors said that when there are no digital payments via banks, payment authorizations, or withdrawals for expenses; Paying workers' salaries in cash, if they pay their accounts, workers have to withdraw money to spend... Everything costs money, like each withdrawal transaction costs more than 3,000 VND, many transactions amount to more money. It's no small matter for farmers in rural areas. Since the transfer, salaries for cooperative members have also been paid through the account, workers have also gradually switched to paying by convenient banking app, with no fees.

“However, the phenomenon of people losing money in their bank accounts, especially people in rural areas like us who often accidentally click on fake links, causing scammers to withdraw all their money, makes us very sad. Anxiety and insecurity when using digital banking services. So does the authorities have any solution to solve this problem so that we can use the service with peace of mind? When we lose money, who do we turn to? I think that only when these questions are answered will farmers like us truly be ready to use digital banking and financial services," Mr. Pham Van Quyen raised the issue.  

Mr. Nguyen Van Nam, Director of Nam The Chu Noodle Production and Consumption Cooperative, also asked many questions about information security when using digital services.

“Currently, scammers have many ways to get citizen identification numbers to fraudulently steal money. I request the authorities to completely resolve the situation of virtual SIMs and junk SIMs; Increase security and prevent the sale and purchase of personal information to give farmers peace of mind," Mr. Nam proposed.

There is a situation happening in rural areas where strange phone numbers call to inform you that you have a cold ticket for violating traffic laws, and they know your full name and exact hometown. .of people.

“So is our personal data being bought and sold? Is the Ministry of Public Security aware of this issue? How does the bank protect our information if we use the bank's services, especially on digital channels? I also ask the Ministry of Public Security and banks to clarify this issue and communicate to the agricultural sector, farmers and rural areas so that our people can understand," Mr. Nguyen Van Nam said.

THERE IS COLLUSION BETWEEN DOMESTIC AND FOREIGN FRAUD CRIMES

Lieutenant Colonel Trieu Manh Tung, Deputy Director of A05, Ministry of Public Security, emphasized that cybercrime and online fraud are not only a problem in Vietnam but are also common globally, even in advanced countries such as: America, Australia... also have online fraud. Meanwhile, the protection measures of the State and individuals are not adequate, naturally leading to risks and challenges related to crime.

“Currently, fraud is developing as a profession. It can be said that the number of people who consider fraud as a profession is very large. Therefore, the number of fraud cases occurring is very large, and there is even collusion between domestic and foreign countries," said Deputy Director A05. 

According to Lieutenant Colonel Hung, attacks to hijack and hack phones to transfer money from the phone are not common: "Often people lose their accounts because of subjects taking advantage of unsafe behavior, for example Like subjects sending links, we clip on links with malicious code, then the subjects take advantage to steal customer information. Therefore, people should not click on links that they do not know.

Second, subjects take advantage of customers' personal information exposed on social networks to fraudulently lead them through receiving commissions from e-commerce activities. The subjects even sophisticatedly impersonated the police and Procuracy to participate in cases to request people to transfer money.

“I affirm that no police agency or Procuracy requires people to transfer money via phone. The subjects are so sophisticated that there are teams that research and write scripts to scam people. Therefore, there needs to be plans to propagate and share with the people," Lieutenant Colonel Hung emphasized.

Mr. Pham Anh Tuan, Director of Payment Department, State Bank, said that recently the State Bank of Vietnam has studied the draft and sent it to credit institutions, asking for opinions on biological facial authentication measures. learn, collect data from citizen identification and this is money to ensure the owner when opening with PC email and is also a premise to ensure that the person opening the account is the one performing the payment task. 

It is expected that this decision will take effect from April 2024 to give credit institutions time to collect consumer information.

“At that time, we believed that fraud and fraud were unlikely to occur. When consumers make transactions at a certain limit, they will be checked with a biometric face that must match the face when opening the account," Mr. Tuan said.