The recent widespread issue of banking applications suddenly denying access is not a system error. This is a proactive security mechanism under Circular 77/2025/TT-NHNN on information system safety and security in banking operations, aimed at enhancing protection for digital financial transactions.

To quickly restore the application to normal operation, users should immediately take the following steps:

• Adjust system settings: Go to your phone settings and turn off “Developer Mode” and “USB Debugging.” These are the two most common vulnerabilities exploited by malware.
• Remove risky applications: Delete emulators, virtual space apps, or any software from unknown sources installed outside official app stores.
• Restore original software: For devices that have been “jailbroken” or imported phones that have had their ROM modified (e.g., to install Vietnamese language), users should bring the device to an authorized service center or a reputable store to reinstall the original manufacturer’s software.
• Check the operating system: If your phone is running an outdated operating system that no longer receives security updates, consider switching to a newer device to ensure stable transactions.

According to Bkav experts, banking apps automatically closing or refusing access on certain devices is a built-in protection mechanism to prevent devices that have been modified or are running in unsafe environments from accessing the system, thereby reducing the risk of data theft and fraudulent transactions. Users should absolutely avoid following “workaround” instructions or installing modified banking applications, as these are often traps containing malware that can steal personal information and account balances.

Bkav