BIDV Smart OTP is an application developed by Vietnam Joint Stock Commercial Bank for Investment and Development, a security application installed on a mobile device to generate authentication code when performing transaction on the banking service. Online banking. BIDV Smart OTP will surely bring to customers the complete satisfaction with the following features:• Convenient, not carry Hard Token.• Validate high-limit transactions.• Register, install, and use it with ease.• Stable, usable even without a phone signal.