{"id":10515,"date":"2026-01-24T21:28:07","date_gmt":"2026-01-24T14:28:07","guid":{"rendered":"https:\/\/phukienmattroi.com\/index.php\/2026\/01\/24\/ngan-hang-nha-nuoc-viet-nam-vua-ban-hanh-thong-tu-77-2025-tt-nhnn-voi-nhieu-quy-dinh-moi-nham-tang-cuong-an-ninh-mang-trong-do-yeu-cau-ung-dung-mobile-banking-phai-tu-dong-ngat-neu-phat-hien-thiet-bi\/"},"modified":"2026-01-24T21:28:07","modified_gmt":"2026-01-24T14:28:07","slug":"ngan-hang-nha-nuoc-viet-nam-vua-ban-hanh-thong-tu-77-2025-tt-nhnn-voi-nhieu-quy-dinh-moi-nham-tang-cuong-an-ninh-mang-trong-do-yeu-cau-ung-dung-mobile-banking-phai-tu-dong-ngat-neu-phat-hien-thiet-bi","status":"publish","type":"post","link":"https:\/\/phukienmattroi.com\/index.php\/2026\/01\/24\/ngan-hang-nha-nuoc-viet-nam-vua-ban-hanh-thong-tu-77-2025-tt-nhnn-voi-nhieu-quy-dinh-moi-nham-tang-cuong-an-ninh-mang-trong-do-yeu-cau-ung-dung-mobile-banking-phai-tu-dong-ngat-neu-phat-hien-thiet-bi\/","title":{"rendered":"Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1eeba ban h\u00e0nh Th\u00f4ng t\u01b0 77\/2025\/TT-NHNN v\u1edbi nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi nh\u1eb1m t\u0103ng c\u01b0\u1eddng an ninh m\u1ea1ng, trong \u0111\u00f3 y\u00eau c\u1ea7u \u1ee9ng d\u1ee5ng Mobile Banking ph\u1ea3i t\u1ef1 \u0111\u1ed9ng ng\u1eaft n\u1ebfu ph\u00e1t hi\u1ec7n thi\u1ebft b\u1ecb ng\u01b0\u1eddi d\u00f9ng \u0111\u00e3 b\u1ecb can thi\u1ec7p tr\u00e1i ph\u00e9p."},"content":{"rendered":"


\n<\/p>\n

\n

Tr\u01b0\u1edbc b\u1ed1i c\u1ea3nh t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao gia t\u0103ng c\u00e1c h\u00ecnh th\u1ee9c t\u1ea5n c\u00f4ng v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 s\u1ed1 77\/2025\/TT-NHNN s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Th\u00f4ng t\u01b0 50\/2024\/TT-NHNN. V\u0103n b\u1ea3n ph\u00e1p l\u00fd m\u1edbi n\u00e0y \u0111\u1eb7t ra c\u00e1c y\u00eau c\u1ea7u k\u1ef9 thu\u1eadt nghi\u00eam ng\u1eb7t \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng nh\u1eb1m b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n kh\u00e1ch h\u00e0ng. \u0110\u00e1ng ch\u00fa \u00fd nh\u1ea5t t\u1ea1i \u0110i\u1ec1u 5 c\u1ee7a Th\u00f4ng t\u01b0 l\u00e0 quy \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf v\u1eadn h\u00e0nh c\u1ee7a \u1ee9ng d\u1ee5ng Mobile Banking tr\u00ean thi\u1ebft b\u1ecb kh\u00e1ch h\u00e0ng.<\/p>\n

\n
\"T\u1eeb<\/div>
\n

\n<\/figcaption><\/figure>\n

Theo \u0111\u00f3, c\u00e1c \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 kh\u1ea3 n\u0103ng t\u1ef1 ph\u00e1t hi\u1ec7n v\u00e0 t\u1ef1 \u0111\u1ed9ng d\u1eebng ho\u1ea1t \u0111\u1ed9ng n\u1ebfu nh\u1eadn th\u1ea5y m\u00f4i tr\u01b0\u1eddng thi\u1ebft b\u1ecb kh\u00f4ng an to\u00e0n. C\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 bao g\u1ed3m: thi\u1ebft b\u1ecb \u0111\u00e3 b\u1ecb b\u1ebb kh\u00f3a (root\/jailbreak) ho\u1eb7c m\u1edf kh\u00f3a bootloader; \u1ee9ng d\u1ee5ng ch\u1ea1y tr\u00ean m\u00f4i tr\u01b0\u1eddng gi\u1ea3 l\u1eadp (emulator) ho\u1eb7c c\u00f3 tr\u00ecnh g\u1ee1 l\u1ed7i (debugger) \u0111ang ho\u1ea1t \u0111\u1ed9ng. Quy \u0111\u1ecbnh n\u00e0y c\u0169ng \u00e1p d\u1ee5ng khi ph\u00e1t hi\u1ec7n ph\u1ea7n m\u1ec1m b\u1ecb ch\u00e8n m\u00e3 l\u1ea1, b\u1ecb theo d\u00f5i h\u00e0m d\u1eef li\u1ec7u (hook) ho\u1eb7c b\u1ecb \u0111\u00f3ng g\u00f3i l\u1ea1i (repacking). \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 “ch\u1ed1t ch\u1eb7n” k\u1ef9 thu\u1eadt quan tr\u1ecdng \u0111\u1ec3 ng\u0103n ng\u1eeba hacker chi\u1ebfm quy\u1ec1n \u0111i\u1ec1u khi\u1ec3n \u1ee9ng d\u1ee5ng.<\/p>\n

\n
\"T\u1eeb<\/div>
\n

\n<\/figcaption><\/figure>\n

Song song v\u1edbi vi\u1ec7c ki\u1ec3m so\u00e1t thi\u1ebft b\u1ecb \u0111\u1ea7u cu\u1ed1i, Th\u00f4ng t\u01b0 77 c\u0169ng m\u1edf r\u1ed9ng ph\u1ea1m vi \u0111i\u1ec1u ch\u1ec9nh sang d\u1ecbch v\u1ee5 Ti\u1ec1n di \u0111\u1ed9ng. C\u00e1c \u0111\u01a1n v\u1ecb cung \u1ee9ng d\u1ecbch v\u1ee5 n\u00e0y s\u1ebd ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c chu\u1ea9n m\u1ef1c b\u1ea3o m\u1eadt t\u01b0\u01a1ng \u0111\u01b0\u01a1ng t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. Ngo\u00e0i ra, kh\u00e1i ni\u1ec7m “Kh\u00e1ch h\u00e0ng t\u1ed5 ch\u1ee9c m\u1edbi” c\u0169ng \u0111\u01b0\u1ee3c b\u1ed5 sung, y\u00eau c\u1ea7u c\u00e1c doanh nghi\u1ec7p m\u1edbi thi\u1ebft l\u1eadp quan h\u1ec7 trong v\u00f2ng 12 th\u00e1ng (tr\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t nh\u01b0 c\u01a1 quan nh\u00e0 n\u01b0\u1edbc, t\u1eadp \u0111o\u00e0n l\u1edbn) ph\u1ea3i th\u1ef1c hi\u1ec7n x\u00e1c th\u1ef1c m\u1ea1nh b\u1eb1ng sinh tr\u1eafc h\u1ecdc ho\u1eb7c ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed an to\u00e0n.<\/p>\n

V\u1ec1 m\u1eb7t c\u00f4ng ngh\u1ec7 x\u00e1c th\u1ef1c, \u0111\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi l\u00e0n s\u00f3ng l\u1eeba \u0111\u1ea3o s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI), NHNN y\u00eau c\u1ea7u c\u00e1c gi\u1ea3i ph\u00e1p ph\u00e1t hi\u1ec7n gi\u1ea3 m\u1ea1o sinh tr\u1eafc h\u1ecdc ph\u1ea3i \u0111\u1ea1t chu\u1ea9n qu\u1ed1c t\u1ebf ISO 30107 c\u1ea5p \u0111\u1ed9 2. \u0110\u1ed3ng th\u1eddi, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd phi\u00ean b\u1ea3n \u1ee9ng d\u1ee5ng, kh\u00f4ng cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng h\u1ea1 c\u1ea5p xu\u1ed1ng c\u00e1c phi\u00ean b\u1ea3n c\u0169 v\u00e0 ph\u1ea3i th\u1ef1c hi\u1ec7n \u0111\u00e1nh gi\u00e1 l\u1ed7 h\u1ed5ng b\u1ea3o m\u1eadt \u0111\u1ecbnh k\u1ef3 3 th\u00e1ng\/l\u1ea7n.<\/p>\n

Th\u00f4ng t\u01b0 77\/2025\/TT-NHNN s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/3\/2026. L\u1ed9 tr\u00ecnh \u00e1p d\u1ee5ng c\u1ee5 th\u1ec3 \u0111\u1ed1i v\u1edbi c\u00e1c quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n tr\u1ef1c tuy\u1ebfn cho kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c s\u1ebd l\u1ea7n l\u01b0\u1ee3t \u0111\u01b0\u1ee3c tri\u1ec3n khai v\u00e0o th\u00e1ng 7 v\u00e0 th\u00e1ng 10 n\u0103m 2026.<\/p>\n

S\u1eafm gi\u00e0y \u0111\u1ea7u n\u0103m: Fila, Puma, adidas, Crocs… gi\u1ea3m t\u1edbi 50%, gi\u00e0y da v\u00e0 boots \u0111\u01b0\u1ee3c s\u0103n l\u00f9ng nhi\u1ec1u\n <\/div>\n\n","protected":false},"excerpt":{"rendered":"

Tr\u01b0\u1edbc b\u1ed1i c\u1ea3nh t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao gia t\u0103ng c\u00e1c h\u00ecnh th\u1ee9c t\u1ea5n c\u00f4ng v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0<\/p>\n","protected":false},"author":1,"featured_media":10516,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[141],"tags":[],"class_list":["post-10515","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cong-nghe"],"yoast_head":"\nNg\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1eeba ban h\u00e0nh Th\u00f4ng t\u01b0 77\/2025\/TT-NHNN v\u1edbi nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi nh\u1eb1m t\u0103ng c\u01b0\u1eddng an ninh m\u1ea1ng, trong \u0111\u00f3 y\u00eau c\u1ea7u \u1ee9ng d\u1ee5ng Mobile Banking ph\u1ea3i t\u1ef1 \u0111\u1ed9ng ng\u1eaft n\u1ebfu ph\u00e1t hi\u1ec7n thi\u1ebft b\u1ecb ng\u01b0\u1eddi d\u00f9ng \u0111\u00e3 b\u1ecb can thi\u1ec7p tr\u00e1i ph\u00e9p. - Ph\u1ee5 Ki\u1ec7n M\u1eb7t Tr\u1eddi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/phukienmattroi.com\/index.php\/2026\/01\/24\/ngan-hang-nha-nuoc-viet-nam-vua-ban-hanh-thong-tu-77-2025-tt-nhnn-voi-nhieu-quy-dinh-moi-nham-tang-cuong-an-ninh-mang-trong-do-yeu-cau-ung-dung-mobile-banking-phai-tu-dong-ngat-neu-phat-hien-thiet-bi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u1eeba ban h\u00e0nh Th\u00f4ng t\u01b0 77\/2025\/TT-NHNN v\u1edbi nhi\u1ec1u quy \u0111\u1ecbnh m\u1edbi nh\u1eb1m t\u0103ng c\u01b0\u1eddng an ninh m\u1ea1ng, trong 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ph\u00e9p.\",\"datePublished\":\"2026-01-24T14:28:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/phukienmattroi.com\\\/index.php\\\/2026\\\/01\\\/24\\\/ngan-hang-nha-nuoc-viet-nam-vua-ban-hanh-thong-tu-77-2025-tt-nhnn-voi-nhieu-quy-dinh-moi-nham-tang-cuong-an-ninh-mang-trong-do-yeu-cau-ung-dung-mobile-banking-phai-tu-dong-ngat-neu-phat-hien-thiet-bi\\\/\"},\"wordCount\":812,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/phukienmattroi.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/phukienmattroi.com\\\/index.php\\\/2026\\\/01\\\/24\\\/ngan-hang-nha-nuoc-viet-nam-vua-ban-hanh-thong-tu-77-2025-tt-nhnn-voi-nhieu-quy-dinh-moi-nham-tang-cuong-an-ninh-mang-trong-do-yeu-cau-ung-dung-mobile-banking-phai-tu-dong-ngat-neu-phat-hien-thiet-bi\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/phukienmattroi.com\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/avatar1768132301165-1768132301640106488565.jpg\",\"articleSection\":[\"C\u00f4ng 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