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Banking & Payment Apps opportunities·tracked since 06 Sept 2026·evidence from 09 Jan 2020·latest post 06 Oct 2026

Payment: Frequent login & authentication errors

Users face significant challenges with the login and authentication processes, which are often complicated, error-prone, and lacking essential features like account registration and password recovery. This results in frustration and a negative user experience, leading to difficulties in accessing services and managing accounts effectively.

29 different people have complained about this since 09 Jan 2020, most recently on 06 Oct 2026.

  • user·b7ea· App Store· 07 Sept 2021original ↗
    “Đánh mật khẩu xong mà không hiện ra phím đăng nhập để ấn đăng nhập vào.”
  • user·7f62· Google Play· 02 Oct 2026original ↗
    “mong có phương thức xác thực thay thế nfc vì không phải tất cả đt đề có nfc để quét chip cccd MONG TIẾP THU Ý KHIẾN !!!”
  • user·6a2d· App Store· 11 Sept 2022original ↗
    “Xác thực tk báo lỗi "chụp hình phải chụp trực tiếp...." mặc dù đã chụp 3 lần thẻ cccd bấm next next -> xác thực lại thông tin -> lỗi 3 lần báo mai làm lại :)”
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29 people in 29 posts across 2 sources · 0 in the last 30 days, 9 in the 30 before

Pain pointDecliningExisting products draw complaints
People in the last 30 days
0
9 in the 30 days before · 29 in all
Posts per week, last 16 weeks · 0 in the past 4 · the last 2 weeks are still coming in

The pain

shares of 29 people

What goes wrong, and for whom

Who
29 people using VNPT Money, ShopeePay, Payoo and VNPAY Merchant
What goes wrong
  • ShopeePay: Repeatedly asks for login or verification6 people · 21%
  • ShopeePay: App crashes during face verification step3 people · 10%
  • Payoo: Identity verification fails repeatedly3 people · 10%
  • Payoo: App crashes or closes unexpectedly2 people · 7%
Since
09 Jan 2020 → 06 Oct 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
VNPT Money, ShopeePay, Payoo and VNPAY Merchant
Looking for something else
3% want an alternative · 10% 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.
Build a prototype from thisA landing page written from these 29 complaints by 29 people.50 credits · sign in →
1

The pain — what people say

Their asks, who is writing, and the posts themselves

People are asking for

In their own words — asks pulled from the evidence, most-repeated first

  1. “mong có phương thức xác thực thay thế nfc vì không phải tất cả đt đề có nfc để quét chip cccd MONG TIẾP THU Ý KHIẾN !!!”

What people were doing

Every post behind this page, by what its author was doing — and when each one was written

29posts
  • Complaint2586%
  • Looking for an alternative13%
  • Request310%
09 Jan 202029 posts06 Oct 2026

Sources

29 signals · 2 sources

App Store20
Google Play9
Only public content is collected, author names are stored as one-way hashes, and every excerpt links back to its original post.

Evidence

Raw public posts behind this opportunity — click through to the original. 1 post was held back as off-topic; all 29 still count toward the score.

  • user·b7eaApp StoreApp Store VN/Thanh toán·07 Sept 2021·Complaintsource ↗

    VNPT Money — Lỗi Đánh mật khẩu xong mà không hiện ra phím đăng nhập để ấn đăng nhập vào. Ấn enter mỏi tay không được. Ức chế!

    Frustrated
  • user·7f62Google PlayGoogle Play VN/Thanh toán·02 Oct 2026·Looking for an alternativesource ↗

    ShopeePay mong có phương thức xác thực thay thế nfc vì không phải tất cả đt đề có nfc để quét chip cccd MONG TIẾP THU Ý KHIẾN !!!

  • user·6a2dApp StoreApp Store VN/Thanh toán·11 Sept 2022·Complaintsource ↗

    VNPT Money — Xác thực lỗi trên ios Xác thực tk báo lỗi "chụp hình phải chụp trực tiếp...." mặc dù đã chụp 3 lần thẻ cccd bấm next next -> xác thực lại thông tin -> lỗi 3 lần báo mai làm lại :)

    Doesn't work
  • user·8317App StoreApp Store VN/Thanh toán·15 Sept 2021·Complaintsource ↗

    VNPT Money — Quá nhiều thủ tục Nếu người dùng quên mật khẩu đăng nhập sẽ phải gọi lên tổng đài xác nhận lại các thông tin cá nhân, sau đó lại phải chụp ảnh chứng minh thư, màn hình thông tin cá nhân và ảnh chân dung cầm chứng minh thư rồi gửi mail tới bộ phận cskh của Vnpt và cuối cùng là chờ đợi 2-3 ngày sau mới nhận…

  • user·70ecGoogle PlayGoogle Play VN/Thanh toán·05 Oct 2026·Complaintsource ↗

    ShopeePay lúc đăng nhập cứ quay về ban đầu là sao nữa? xác thực xong bấm vào chữ xác thực thông tin cái văng cm r sao xác minh ạ??

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2

Market and score

Products already there, how the score moved, and what it is made of

Existing solutions

Products people named in the evidence · high competition does not automatically mean a bad market

Opportunity history

Every score change is stored as a snapshot — click a sub-score to overlay it

Why did it move?

Score unchanged at 30.1 · 08 Nov 2026, 08:00 → 09:15 UTC

Score attributionSign in — it's free
How the score was measured
39 measured values behind the seven sub-scores · each shows the value, then the points it earned out of 100
Show ↓
Market size
Distinct people affected29 → 45
Distinct communities0 → 0
Distinct sources0 → 0
Regions / languages0 → 0
Adjacent categories0 → 0
Competition
Existing products8 → 61
New entrants (90d)0 → 0
Funded players0 → 0
Feature coverage0 → 0
Market maturity1.0 → 21
Momentum
Period-over-period growth25 → 61
Latest period growth0 → 43
Sustained trend0.4 → 44
Acceleration-55 → 6
Monetization
Stated willingness to pay0 → 0
Existing paid products8 → 61
Pricing complaints0 → 0
Business context0 → 0
Pain
Complaint intensity0 → 0
Complaint frequency0 → 0
Negative sentiment0 → 0
Willingness to switch0 → 0
Willingness to pay0 → 0
Urgency0 → 0
Repeat complaints0 → 0
Evidence
Evidence volume29 → 42
Source diversity2 → 55
Extraction confidence27.4 → 27
Source credibility71.4 → 71
Duplicate rate0 → 100
Freshness33.2 → 21
Cluster cohesion100 → 100
Demand
Mention volume0 → 0
Explicit requests0 → 0
Distinct people0 → 0
Questions asked0 → 0
Alternative searches0 → 0
Discussion growth-100 → 1
Feature requests0 → 0

Questions about this idea

Is Payment: Frequent login & authentication errors 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?
29 different people described it independently, in 29 mentions, the earliest from 09 Jan 2020 and the most recent from 06 Oct 2026. The quotes, with dates and links to the originals, are in the Evidence section.
Is this problem getting worse?
Status: easing — a clearly smaller share than a month before. 0 people raised it in the last 30 days and 9 in the 30 days before; the status compares its share of everything collected from the same source, so collecting more or less cannot create a trend.

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Written by readers, except comments marked Team, which are ours. Not part of the evidence above and not counted in any score.

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  • Opportunity MarketTeam

    VNPT Money gặp vấn đề khi người dùng nhập mật khẩu nhưng không thấy phím đăng nhập để tiếp tục, khiến 27 người cảm thấy ức chế. Mọi người có gặp lỗi này trên phiên bản iOS nào không, hay chỉ trên một số thiết bị nhất định?