Challenges with Money Transfer Application
Users find the BIDV Smart OTP application overly complicated and frustrating, leading to difficulties in performing basic transactions like transferring money. Many users express dissatisfaction with frequent errors and a lack of clear guidance, resulting in a negative experience that may drive them to consider switching to other banks.
144 people in 144 posts across 1 source · demand low, pain low, competition low
The pain
shares of 144 quoted postsWhat goes wrong, and for whom
- Who
- 144 people using BIDV Smart OTP
- What goes wrong
- Wastes time17% of posts
- Doesn't work15% of posts
- How bad
- 85% of posts are complaints
- Since
- 03 Jul 2019 → 17 Jan 2026
Is this a startup idea?
Not directly. These are complaints about a product or service people already use — the fix belongs first to that provider.
- Complaints are about
- BIDV Smart OTP
- Looking for something else
- 10% want an alternative · 5% ask the provider for a feature
- What the numbers say
- Almost nobody is looking for a different product — people want this provider to fix it, not a new option.
The pain — what people say
Their asks, who is writing, and the posts themselves
What people were doing
Every post behind this page, by what its author was doing — and when each one was written
- Complaint12285%
- Looking for an alternative1510%
- Request75%
Sources
144 signals · 1 sources
Evidence
Raw public posts behind this opportunity — click through to the original
BIDV Smart OTP — Lỗi tùm lum — SmartBanking thường xuyên lỗi “Error backend”. Lần đầu vào bắt đổi mật khẩu, đổi xong không đăng nhập được. Dùng chức năng quên mật khẩu, đã nhập đúng thông tin để lấy lại mật khẩu thì nhận thông báo thông tin không đúng. SmartOTP thì hay bảo trì không cho vào lấy OTP để giao dịch. Khi…
Asking howFrustratedDoesn't work…hì tin nhắn cũng không nhắn về. Không có mã OTP không giao dịch được. Chán, quá thất vọng!!!!
Strong complaintDoesn't workBIDV Smart OTP — APP TỆ NHẤT THẾ GIỚI Lỗi liên tục, mỗi lần thực hiện chuyển tiền online bằng app BIDV vừa mất thời gian vừa tụt luôn mood để làm việc…! Tưởng là chuyện nhỏ nhưng không hề nhỏ! Với cái app cùi bắp như vậy làm mất uy tín của doanh nghiệp, của khách hàng…! Chỉ muốn bỏ luôn cái tài khoản của ngân hàng…
Doesn't workWastes timeBIDV Smart OTP — Phần mềm vô dụng — Chán k tả dc luôn. Bidv smartbanking h ko hiện mã giao dịch cũng chả lấy dc luôn mã otp. Từ lúc thêm cái app này gây bao phiền phức cho người dùng. Muốn chuyển tiền mà mất thời gian. Viết ra cái app mà ko test xem nó có hữu dụng cho người dùng ko.
Strong complaintWastes time…. tôi xài đen trắng mã otp về đ** sợ bị hakc. càng hiện đại càng ngu. Đm đăng ký otp mãi đ** hiểu đăng ký như nào. thằng nào tạo ra cái này như cha chúng mày có thời gian ngồi nghiên cứu rồi bật laptop ra đăng ký vậy. Ngu cũng ở một mức độ vừa phải thôi. Làm gì cũng cho người ta dễ dàng đăng ký! Quá tệ!
Asking howStrong complaint
Problem clusters
Distinct problems aggregated into this opportunity
Market and score
Products already there, how the score moved, and what it is made of
Opportunity history
Every score change is stored as a snapshot — click a sub-score to overlay it
Why did it move?
Score 30.0 → 30.8 · 02 Sept 2026, 08:00 → 09:15 UTC
How the score was measured36 measured values behind the seven sub-scores · each shows the value, then the points it earned out of 100Show ↓Hide ↑
Questions about this idea
- Is Challenges with Money Transfer Application a startup idea?
- Not directly. These are complaints about a product or service people already use, and the fix belongs first to that provider. The page shows what is frustrating users and how badly — not an open market to start a company in.
- How many people have this problem?
- 144 different people described it independently, in 144 mentions, the earliest from 03 Jul 2019 and the most recent from 17 Jan 2026. The quotes, with dates and links to the originals, are in the Evidence section.
- Is this problem getting worse?
- Current status: stable — mentioned at a steady rate. Momentum is 43/100, measured as how often it is mentioned recently compared with before.
Adjacent opportunities
Nearest neighbours by embedding similarity
Discussion
Written by readers. Not part of the evidence above and not counted in any score.
No comments yet
If you have run into this problem, what did you try?