Banks urgently add savings book checking service after 245 billion loss
Not only banks have had money loss incidents, but many other banks have also proactively added the feature of remotely monitoring savings books.
After a series of savings deposits "evaporated", many banks have rushed to launch additional savings balance checking utilities to regain customer trust, especially at banks that have unfortunately had incidents.
For example, the Vietnam Export Import Bank (Eximbank) - where the incident of losing 245 billion VND of female customer Chu Thi Binh recently occurred - has just added a service to notify changes in deposit and term savings balances via SMS. According to the bank, this service will help depositors control the savings balance in each account and promptly detect unusual transactions.
|
A series of cases of customers reporting lost money after depositing it in the bank recently. Photo:Mr. Quan. |
Previously, OceanBank also made a similar move.after a series of savings books worth more than 400 billion VND suddenly "evaporated" at a branch in Hai Phong last year. Accordingly, customers who deposited savings books at OceanBank were advised by the bank to proactively check the status of their savings books via text message service.
Meanwhile,Although no unfortunate incident has occurred,Some banks are still taking advantage of technology to add the feature of checking savings book balances. For example, Maritime Bank and Saigon Thuong Tin Bank (Sacombank) have just announcedAllow customers to look up savings deposits online using a new utility from yesterday (March 1).
Accordingly, the savings book owner will access the bank's website or via Internet Banking, Mobile Banking and enter their personal account to look up information about the savings book such as: tCardholder name, initial principal, current principal, deposit date, maturity date, term, interest rate...
Or like TPBank, since the beginning of 2016, this unit has introduced a solution using QR Code to check savings book information. Accordingly, each savings book issued by TPBank will have a QR code attached that when looked up can provide information about the status of the savings book.
Appreciating the addition of the savings book lookup feature of banks, a financial expert with many years of experience in the industry believes that this method does not fundamentally solve the problem.According to him, after depositing money in the bank, keeping the money is the bank's responsibility and depositors cannot continuously go in and out of the website or ebank to look up and check the status of their savings books.
Therefore, he believes that to fundamentally solve the problem, banks themselves need to review and rectify their internal management and risk control processes to ensure customer benefits.
To avoid losing money, in addition to technological solutions, customers should proactively check their savings account balance after depositing money in the bank.
According to the advice of a bank general director, risks from employees (if any) often occur right after customers open a savings account. Therefore, the general rule is that right after opening a savings account at the counter, customers should proactively check whether their deposited money has entered the system of that bank. Many careful customers even go to another branch of the bank to check the system again.