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Cybersecurity expert Hiếu PC says that while fraud increasingly relies on advanced technology such as deepfakes and AI, psychology is the dominant tactic used to deceive victims—accounting for up to 80% of fraud cases. He notes that fraud operations can involve dozens or even hundreds of actors who coordinate to target a single person over time, exploiting the victim’s routine pressures such as work, family responsibilities, and daily life.
According to Hiếu PC, scammers do not rely on technology alone. Instead, they use psychological manipulation to keep victims engaged long enough to make them act on false information. In this model, high-tech tools are only part of the threat, while behavioral tactics are what drive victims to comply.
Hiếu PC recommends that people slow down and verify information before acting. With large volumes of content available online, even a single click can expose a person to misinformation. He adds that search guidance also emphasizes slowing down to reduce the risk of being deceived.
He also stresses protecting personal information online, saying that many online fraud schemes begin with data exposure—often involving young people and their parents.
Hiếu PC points to a structural weakness in Vietnam: data is fragmented across banks, telecom companies, and authorities, each maintaining separate systems. He argues that combating fraud requires a seamless, cohesive data ecosystem, while criminals can operate across borders and legal barriers. He also highlights that bureaucratic procedures can slow responses, meaning stolen money may be difficult to recover in time.
To address these gaps, Hiếu PC calls for a Singapore-style model—a National Anti-Fraud Center that brings together government, banks, technology firms (including Google and Meta), telecom providers, and both public and private sectors. The goal would be to coordinate solutions and improve information sharing.
He cites Vietnam’s Simo system, being rolled out by the Ministry of Public Security in cooperation with banks. The system alerts users immediately if an entered account number or recipient phone number is identified as fraudulent. However, he says only a few banks—MB, BIDV, and MoMo—have adopted it, while Vietnam has dozens of banks, requiring broader participation to protect the population.
Hiếu PC also says his Anti-Fraud Organization has data ready to share, but domestic collaboration is complicated by governance, procedures, and trust. He adds that the organization works with partners such as Google, Microsoft, and Meta, which integrate the data into browsers and antivirus software to protect millions of users without requiring additional apps.
Hiếu PC says Vietnamese firms hesitate to share data due to concerns about asset loss, liability, and losing competitive advantages. He expresses optimism that the Personal Data Protection Law, effective January 1, 2026, and the upcoming unification of the Information Security and Cybersecurity laws will create a clearer framework and encourage greater openness.
He also raises the issue of brain drain, saying Vietnam faces serious talent loss due to inadequate compensation. He notes that Vietnamese engineers are among the world’s best and describes personal experience receiving offers from abroad, including a top Thai security firm inviting him to become Chief Security Officer with a very high salary. He declined, saying he can travel for work but does not want to relocate permanently due to concerns about traffic and living away from family, and because of his commitment to Vietnam.
Since late 2020, Hiếu PC’s Anti-Fraud project has helped thousands of victims of online fraud and is positioned as a shield for citizens facing online risks.
Source: Minh Hằng, MarketTimes
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