Payment: Unsuccessful Bank Connections
Users are experiencing significant frustration with the inability to successfully link their bank accounts to various payment apps, often encountering persistent errors and lack of support. This issue is compounded by misleading information regarding available bank connections and inadequate app functionality, leading to a poor user experience.
13 people in 13 posts across 1 source · demand low, pain low, competition low
The pain
shares of 13 quoted postsWhat goes wrong, and for whom
- Who
- 13 people using VNPT Money and Payoo
- What goes wrong
- Doesn't work31% of posts
- Wastes time8% of posts
- Missing feature8% of posts
- How bad
- 46% of posts are complaints
- Since
- 21 Oct 2018 → 12 Aug 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 and Payoo
- Looking for something else
- 15% want an alternative · 38% ask the provider for a feature
- What the numbers say
- 15% are looking for an alternative — if there is an opening, it is with them.
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
“T đ hiểu mẹ rõ số đt t trùng với ngân hàng t đk rồi, mà liên kết cái ngân hàng cứ báo lỗi này kia bực cả mình, ae chuyển sang momo mà dùng nhé bỏ mẹ cái app này đi lỏ vcđ”
What people were doing
Every post behind this page, by what its author was doing — and when each one was written
- Complaint646%
- Looking for an alternative215%
- Request538%
Sources
13 signals · 1 sources
Evidence
Raw public posts behind this opportunity — click through to the original. 1 post was held back as off-topic; all 13 still count toward the score.
VNPT Money — Tệ hơn chữ tệ App ncc luôn ấy các bạn, các NH liên kết còn hạn chế, giao dịch hay bị lỗi, thời gian giải quyết lỗi khá lâu, nói chung App tệ, muốn giao dịch nhanh cứ CK trực tiếp từ App của NH là ok nhất
Doesn't workVNPT Money — App như cl T đ hiểu mẹ rõ số đt t trùng với ngân hàng t đk rồi, mà liên kết cái ngân hàng cứ báo lỗi này kia bực cả mình, ae chuyển sang momo mà dùng nhé bỏ mẹ cái app này đi lỏ vcđ
Switching awayDoesn't work…ợc bắt liên kết theo kiểu thẻ thời buổi nào người ta xài banking rồi. Zalopay, momo liên kết ngân hàng đơn giản, riết chán thật sư, thôi cắt mạng tạm biệt luôn k gặp lai VNPT
VNPT Money — Không có liên kết Techcombank Đọc trên web ghi có liên kết với techcombank, đăng ký đã đời xong tìm quài không ra cuối cùng là không có liên kết, vậy để trên web làm gì
VNPT Money — Performance tệ App gì liên kết 2 ngân hàng thì báo bảo trì cả 2, bảo trì mấy ngày trong khi Ví thì cần gấp. Liên hệ nhân viên hỗ trợ thì nghiệp vụ chưa cứng nên chả hỗ trợ được gì. Tệ
Problem clusters
Distinct problems aggregated into this opportunity
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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 unchanged at 25.8 · 23 Sept 2026, 20:00 → 21:15 UTC
How the score was measured37 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 Payment: Unsuccessful Bank Connections 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?
- 13 different people described it independently, in 13 mentions, the earliest from 21 Oct 2018 and the most recent from 12 Aug 2026. The quotes, with dates and links to the originals, are in the Evidence section.
- Is this problem getting worse?
- Current status: quiet — no recent mentions. Momentum is 27/100, 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.
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