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Under the draft, banks and intermediary payment service providers must inform customers before deploying AI-powered tools such as virtual assistants, automated hotlines and chatbots in customer communications.
Ho Chi Minh City (VNS/VNA) – The State Bank of Vietnam (SBV) has moved to tighten oversight of artificial intelligence (AI) in the banking sector, requiring lenders and e-wallet providers to notify customers in advance when AI systems are used to interact directly with them.
The proposal is included in a draft circular on safety, risk management and conditions for AI deployment in banking activities, released as financial transactions surge, especially during Tet (Lunar New Year) holiday.
Under the draft, banks and intermediary payment service providers must inform customers before deploying AI-powered tools such as virtual assistants, automated hotlines and chatbots in customer communications.
Institutions must also notify users if AI is applied for emotion recognition or biometric classification. Any content generated by AI, including images, audio or video, must be clearly disclosed to prevent misunderstanding.
Notably, the draft prohibits banks from using AI to exploit customer vulnerabilities linked to age, disability or financial hardship in order to market high-risk or unsuitable financial products.
Customers will have the right to file complaints against decisions made on the basis of AI systems. In such cases, banks are required to assign human personnel to review and handle the matter.
The new regulations are expected to take effect from March. AI systems already in operation before the effective date will have until September 2027 to comply.
The central bank said the tighter framework is aimed at controlling risks arising from the rapid expansion of AI across banking operations, ensuring fair treatment of customers and protecting vulnerable groups.
In recent years, many Vietnamese banks have stepped up the use of AI in areas such as eKYC, credit scoring, loan appraisal and fraud detection.
The growing use of generative AI in customer service, including answering queries on transactions, card services, interest rates and exchange rates, has raised fresh regulatory concerns over data security, output accuracy and privacy protection./.
According to the State Bank of Vietnam (SBV), as of December 2025, more than 164 million bank cards had been in circulation, up 5.32% year on year. During 2021–2025, domestic card transactions grew by an average of 13.9% annually in volume and 12.08% in value.
The initiative is a component of the technical assistance project “Inclusive and Climate Finance” funded by the Japanese Government through the Japan Fund for Prosperous and Resilient Asia and the Pacific (JFPR).
As the Party identified breakthroughs in science – technology and innovation as a key driver of national progress, the mastery and adoption of biometric technologies must go hand in hand with safeguarding public trust, data security, and citizens’ interests, all aligned with the people-first philosophy guiding the country’s digital agenda.
Hanoi identifies science and technology, innovation, and digital transformation as key growth drivers in the new development phase.
The microscopy user community in Vietnam remains fragmented, lacking a common platform for sharing technical expertise, research experience and collaboration opportunities. This limited connectivity has, to some extent, curtailed the full potential of microscopy technologies in advancing scientific progress and industrial applications at home and abroad.
Since 2024, Viettel has migrated nearly 10 million 2G users, provided more than 800,000 free 4G devices to low-income subscribers, and expanded 4G/5G coverage to 98% of the population.
As Vietnam’s blockchain infrastructure layers such as NDADID and NDATrace become interoperable with international blockchain infrastructures, the country is positioned to build a production and trade ecosystem based on trust at the global level.
One of the most important outcomes was the successful sequencing of complete mitochondrial genomes from two ancient human bone samples over 2,000 years old excavated at the Dong Xa archaeological site, now in Luong Bang commune of Hung Yen province.
Science and technology create new knowledge and tools; innovation translates that knowledge into products and services; and digital transformation accelerates diffusion across society, unlocking growth and added value.
In recent years, digital transformation has become a common feature in socio-economic development strategies. For tourism – a multi-sector, experience-driven industry closely tied to information – digitalisation is no longer a trend but an inevitable requirement to enhance competitiveness and ensure sustainable development.
Despite slowing global growth and localised downturns in many economies, Vietnam has sustained robust growth, maintained macroeconomic stability, safeguarded key economic balances, recorded rapid gains in per capita income, and further strengthened its international standing.
The Party, the State, and the Government identify science, technology, and innovation as both a fundamental pillar and a central engine of growth, as well as a direct productive force driving rapid and sustainable development, Prime Minister Pham Minh Chinh said, stressing that VAST stands as a crucial “fortress” of knowledge that concentrates the intellectual resources and limitless creativity of the Vietnamese people.
Since 2020, Vietnam has achieved a 97% protection rate for its Internet address space. Additionally, 14,000 domain names have been secured to ensure digital identity safety.
With the official launch of the Hanoi Technology Exchange (HanoTEX) and the Digital Transformation Market (DTMarket) – combined with the development of hard infrastructure – Hanoi aims to become a place where technology is translated into practical value, directly contributing to the city’s GRDP growth target of at least 11% in 2026.
The State Bank of Vietnam (SBV) has moved to tighten oversight of artificial intelligence (AI) in the banking sector, requiring lenders and e-wallet providers to notify customers in advance when AI systems are used to interact directly with them.
Service providers proactively enhanced system capacity, maintained round-the-clock technical duty and stood ready to respond at peak traffic times.
Becoming an association country is particularly important as Vietnam enters a new stage of development, remaining steadfast in its goal of carbon neutrality and green energy transition.
The Finastra Financial Services State of the Nation 2026 report shows that 94% of financial institutions in Vietnam plan to increase investment in AI over the next 12 months, underscoring strong momentum to expand AI capabilities despite structural constraints.
Priority areas for cooperation between Vietnam and Australia include agricultural technology; computer vision; and smart cities and cybersecurity.
Satellite internet services such as Starlink are expected to complement existing fixed and mobile networks, particularly in remote, border and island areas, as well as during natural disasters when terrestrial infrastructure may be disrupted.
When knowledge is digitalised and spread from school to community, escaping from poverty will be more sustainable.
Unlike conventional internship or management trainee schemes, both programmes are designed and implemented directly by Viettel, integrating training with real-world work in a global technology group. Participants are entrusted with solving major challenges that directly impact Viettel’s research, production and business operations.
The event marked the debut of the country’s first cross-sea unmanned postal route, representing a pioneering step in smart mobility solutions aimed at boosting the digital economy and easing pressure on road transport infrastructure in Ho Chi Minh City.
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