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Circular 53: Safe Application of AI in Banking Activities

第53号通知：银行业人工智能应用风险管理
Ngân hàng Nhà nước (越南国家银行)·Published 2026-10-22·Checked by 管理员 on 2026-10-27

The State Bank of Vietnam has issued Circular 53 (Thông tư 53), its first piece of subordinate legislation regulating AI use in the banking sector. It requires banks to classify risks of their AI applications by severity and to strengthen supervision and control measures over high-risk transactions.

Source ↗Remind meVietnam · All

What it means for you

  • Banks operating in Vietnam must establish a risk classification mechanism for AI applications and apply controls proportionate to the risk level
  • High-risk AI transaction scenarios face stricter supervision and control requirements, requiring compliance and monitoring resources
  • As Vietnam's first banking AI regulation, fintechs and vendors supplying AI solutions to Vietnamese banks must align products and compliance frameworks with it

    • What to do

    ComplianceInventory all in-bank AI use cases and complete risk classification assessments
    EngineeringDeploy enhanced monitoring and human review for high-risk AI transaction scenarios
    LegalReview AI vendor contracts and model documentation to ensure compliance with the Circular
    FinanceAssess budget and resource needs for compliance remediation

    Key dates

    2026-10-22Published

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