{"id":4598,"date":"2020-01-16T11:30:27","date_gmt":"2020-01-16T11:30:27","guid":{"rendered":"https:\/\/newver.innotech-vn.com\/?p=4598"},"modified":"2020-03-23T09:07:59","modified_gmt":"2020-03-23T09:07:59","slug":"thach-thuc-cua-ngan-hang-truoc-nhung-xu-huong-cua-fintech-nam-2020","status":"publish","type":"post","link":"https:\/\/newver.innotech-vn.com\/vie\/thach-thuc-cua-ngan-hang-truoc-nhung-xu-huong-cua-fintech-nam-2020\/","title":{"rendered":"Th\u00e1ch Th\u1ee9c C\u1ee7a Ng\u00e2n H\u00e0ng Tr\u01b0\u1edbc Nh\u1eefng Xu H\u01b0\u1edbng FinTech N\u0103m 2020"},"content":{"rendered":"

D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng th\u00e1ch th\u1ee9c c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng<\/a><\/strong> tr\u01b0\u1edbc nh\u1eefng xu h\u01b0\u1edbng trong Fintech n\u0103m 2020 c\u1ea7n ph\u1ea3i bi\u1ebft, \u0111\u1ec3 duy tr\u00ec l\u1ee3i th\u1ebf c\u1ea1nh tranh khi Fintech ng\u00e0y c\u00f3 xu h\u01b0\u1edbng th\u00e2m nh\u1eadp s\u00e2u h\u01a1n.\u00a0<\/span><\/p>\n

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C\u00e1c c\u00f4ng ty Fintech ti\u1ebfn s\u00e2u h\u01a1n v\u00e0o ng\u00e2n h\u00e0ng<\/b><\/h2>\n

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V\u00e0o n\u0103m 2019, c\u00e1c c\u00f4ng ty Bigtech x\u00e2y d\u1ef1ng \u0111\u1ed9i ng\u0169 nh\u00e0 ph\u00e1t tri\u1ec3n h\u00e0ng \u0111\u1ea7u v\u00e0 s\u1edf tr\u01b0\u1eddng t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m ti\u1ec7n l\u1ee3i, \u0111\u00e3 n\u00e2ng cao th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a h\u1ecd trong c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.\u00a0<\/span><\/p>\n

V\u00e0o th\u00e1ng 8\/2019 Apple \u0111\u00e3 ra m\u1eaft Th\u1ebb Apple v\u1edbi Goldman Sachs. Ti\u1ebfp theo \u0111\u00f3 l\u00e0 Facebook \u0111\u00e3 c\u00f4ng b\u1ed1 Facebook Pay, m\u1ed9t c\u01a1 ch\u1ebf thanh to\u00e1n ho\u1ea1t \u0111\u1ed9ng v\u1edbi Messenger, Instagram, WhatsApp v\u00e0 Facebook v\u00e0o th\u00e1ng 11\/2019.<\/span><\/p>\n

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\"Nh\u1eefng Nh\u1eefng c\u00f4ng ty fintech b\u1eaft \u0111\u1ea7u ti\u1ebfn s\u00e2u h\u01a1n v\u00e0o ng\u00e0nh ng\u00e2n h\u00e0ng<\/em><\/p>\n

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M\u1ed9t s\u1ed1 c\u00f4ng ty Fintech<\/strong><\/a> \u0111\u00e3 v\u1ea1ch ra k\u1ebf ho\u1ea1ch cho n\u0103m 2020 c\u1ee7a h\u1ecd nh\u1eb1m t\u0103ng quy m\u00f4, t\u0103ng d\u1eef li\u1ec7u v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 v\u00e0 t\u1ea1o d\u1ef1ng th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a m\u00ecnh. Google c\u00f3 k\u1ebf ho\u1ea1ch cung c\u1ea5p t\u00e0i kho\u1ea3n ki\u1ec3m tra cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u00f4ng qua Citigroup v\u00e0 Li\u00ean minh t\u00edn d\u1ee5ng li\u00ean bang Stanford. Facebook c\u00f3 k\u1ebf ho\u1ea1ch ra m\u1eaft m\u1ea1ng thanh to\u00e1n ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0o n\u0103m 2020 d\u1ef1a tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi Libra.\u00a0<\/span><\/p>\n

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Fintech \u01b0u ti\u00ean t\u1ed1i \u01b0u d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng\u00a0<\/b><\/h2>\n

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Kh\u1ea3 n\u0103ng cung c\u1ea5p cho kh\u00e1ch h\u00e0ng \u0111\u00fang l\u1eddi khuy\u00ean, \u0111\u00fang th\u1eddi \u0111i\u1ec3m h\u1ecd c\u1ea7n \u0111ang l\u00e0 v\u1ea5n \u0111\u1ec1 m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng hay c\u00f4ng ty fintech n\u1ed7 l\u1ef1c \u0111\u1ec3 \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u n\u00e0y. Nhi\u1ec1u doanh nghi\u1ec7p \u0111\u00e3 b\u1eaft \u0111\u1ea7u \u1ee9ng d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0o m\u00f4 h\u00ecnh kinh doanh, nh\u1eb1m \u0111\u01b0a ra nh\u1eefng l\u1eddi khuy\u00ean cho kh\u00e1ch h\u00e0ng d\u1ef1a tr\u00ean nh\u1eefng nhu c\u1ea7u c\u1ee7a h\u1ecd.<\/span><\/p>\n

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\"Fintech Fintech lu\u00f4n n\u1ed7 l\u1ef1c \u0111\u1ec3 t\u1ed1i \u01b0u d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng<\/em><\/p>\n

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L\u1eddi khuy\u00ean c\u00e1 nh\u00e2n \u0111\u00f3 kh\u00f4ng ch\u1ec9 gi\u00fap c\u1ee7ng c\u1ed1 m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng, n\u00f3 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn doanh s\u1ed1 cao h\u01a1n. Theo T\u1eadp \u0111o\u00e0n t\u01b0 v\u1ea5n Boston, m\u1ed7i 100 t\u1ef7 \u0111\u00f4 la t\u00e0i s\u1ea3n m\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3, n\u00f3 c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee9c t\u0103ng tr\u01b0\u1edfng doanh thu l\u00ean t\u1edbi 300 tri\u1ec7u \u0111\u00f4 la b\u1eb1ng c\u00e1ch c\u00e1 nh\u00e2n h\u00f3a c\u00e1c t\u01b0\u01a1ng t\u00e1c kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh.<\/span><\/p>\n

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Fintechs m\u1edf r\u1ed9ng x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng<\/b><\/h2>\n

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Quan h\u1ec7 \u0111\u1ed1i t\u00e1c nh\u01b0 v\u1eady s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh h\u01a1n khi c\u00e1c ng\u00e2n h\u00e0ng kh\u00e1c t\u00ecm c\u00e1ch tham gia v\u00e0o kh\u00f4ng gian cho vay k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0o n\u0103m 2020. C\u00e1c ng\u00e2n h\u00e0ng cho ph\u00e9p c\u00e1c c\u00f4ng ty Fintech s\u1eed d\u1ee5ng ph\u1ea7n m\u1ec1m cho vay, t\u1eeb \u0111\u00f3, c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c t\u00f9y ch\u1ecdn cho vay k\u1ef9 thu\u1eadt s\u1ed1 thu\u1eadn ti\u1ec7n v\u00e0 nhanh ch\u00f3ng h\u01a1n cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/span><\/p>\n

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M\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Experian<\/strong><\/a> cho th\u1ea5y nh\u1eefng ng\u01b0\u1eddi cho vay k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 t\u0103ng g\u1ea5p \u0111\u00f4i th\u1ecb ph\u1ea7n c\u1ee7a h\u1ecd trong 4 n\u0103m qua, ng\u01b0\u1eddi ti\u00eau ng\u00e0y c\u00e0ng c\u00f3 xu h\u01b0\u1edbng chuy\u1ec3n sang c\u00e1c nh\u00e0 cung c\u1ea5p k\u1ef9 thu\u1eadt s\u1ed1.<\/span><\/p>\n

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Nh\u1eefng tr\u1eadn \u0111\u00e1nh m\u1edbi gi\u1eefa hai b\u00ean s\u1ebd n\u1ed5 ra<\/b><\/h2>\n

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Trong v\u00e0i n\u0103m qua, c\u00e1c m\u1ed1i quan h\u1ec7 ng\u00e2n h\u00e0ng – fintech t\u1ed1t l\u00ean ph\u1ea7n l\u1edbn nh\u1edd v\u00e0o s\u1ef1 h\u1ee3p t\u00e1c v\u00e0 \u0111\u1ea7u t\u01b0 chia s\u1ebb c\u00f4ng ngh\u1ec7.\u00a0 Nh\u01b0ng khi c\u00e1c fintech phi ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng t\u00ecm \u0111\u1ebfn c\u00e1c kh\u00e1ch h\u00e0ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng th\u00ec v\u1ea5n \u0111\u1ec1 b\u1eaft \u0111\u1ea7u n\u1ea3y sinh, t\u1ea1o ra s\u1ef1 c\u1ea1nh tranh gay g\u1eaft.<\/span><\/p>\n

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\"Cu\u1ed9c Cu\u1ed9c chi\u1ebfn gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty fintech \u0111ang di\u1ec5n ra ng\u00e0y c\u00e0ng gay g\u1eaft h\u01a1n<\/em><\/p>\n

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Theo kh\u1ea3o s\u00e1t c\u1ee7a h\u01a1n 1.000 kh\u00e1ch h\u00e0ng ng\u00e2n h\u00e0ng M\u1ef9 c\u1ee7a Statista, h\u01a1n m\u1ed9t n\u1eeda s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi cho bi\u1ebft h\u1ecd \u0111\u00e3 s\u1eed d\u1ee5ng m\u1ed9t ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 thay th\u1ebf ho\u1eb7c \u0111\u00e3 quen thu\u1ed9c v\u00e0 c\u00f3 th\u1ec3 s\u1ebd ti\u1ebfp t\u1ee5c s\u1eed d\u1ee5ng n\u00f3.<\/span><\/p>\n

B\u1ea3n th\u00e2n c\u00e1c ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u \u0111ang v\u1ea1ch ra c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 t\u0103ng s\u1ef1 c\u1ea1nh tranh \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty fintech. M\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u00f3 l\u00e0 t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m ti\u00ean ti\u1ebfn v\u01b0\u1ee3t tr\u1ed9i v\u1ec1 c\u00f4ng ngh\u1ec7.<\/span><\/p>\n

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Ng\u00e2n h\u00e0ng nh\u1ecf c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u chuy\u1ec3n sang c\u00e1c nh\u00e0 cung c\u1ea5p c\u1ed1t l\u00f5i thay th\u1ebf<\/b><\/h2>\n

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S\u1ef1 b\u1ea5t m\u00e3n gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng nh\u1ecf v\u1ec1 nh\u00e0 cung c\u1ea5p ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng c\u1ee7a h\u1ecd \u0111\u00e3 t\u1ea1o ra c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng cho c\u00e1c fintechs thay th\u1ebf. V\u00ec th\u1ebf, m\u1ed9t s\u1ed1 \u00edt c\u00e1c t\u1ed5 ch\u1ee9c hi\u1ec7n \u0111ang \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c nh\u00e0 cung c\u1ea5p thay th\u1ebf v\u00e0 con s\u1ed1 \u0111\u00f3 d\u1ef1 ki\u1ebfn s\u1ebd t\u0103ng m\u1ea1nh trong n\u0103m nay. N\u01a1i cung c\u1ea5p m\u1ed9t n\u1ec1n t\u1ea3ng c\u1ed1t l\u00f5i s\u1eed d\u1ee5ng AI<\/strong><\/a> v\u00e0 giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng \u0111\u1ec3 gi\u00fap t\u0103ng tr\u1ea3i nghi\u1ec7m cho ng\u01b0\u1eddi d\u00f9ng.<\/span><\/p>\n

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Gen Z s\u1ebd \u0111\u1ecbnh h\u00ecnh l\u1ea1i k\u1ef3 v\u1ecdng ng\u00e2n h\u00e0ng<\/b><\/h2>\n

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N\u1ebfu c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u00e3 d\u00e0nh th\u1eadp k\u1ef7 v\u1eeba qua \u0111\u1ec3 c\u1ed1 g\u1eafng t\u00ecm ra \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh, th\u00ec n\u0103m 2020 mang \u0111\u1ebfn m\u1ed9t th\u1ebf h\u1ec7 m\u1edbi: kh\u00e1ch h\u00e0ng Gen Z.<\/span><\/p>\n

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\"Kh\u00e1ch Kh\u00e1ch h\u00e0ng th\u1ebf h\u1ec7 Gen Z \u0111ang l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c c\u00e1c c\u00f4ng ty fintech v\u00e0 ng\u00e2n h\u00e0ng nh\u1eafm \u0111\u1ebfn<\/em><\/p>\n

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C\u00e1c th\u00e0nh vi\u00ean Gen Z c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp x\u00fac v\u1edbi c\u00f4ng ngh\u1ec7 t\u1eeb r\u1ea5t s\u1edbm v\u00e0 s\u1eb5n l\u00f2ng s\u1eed d\u1ee5ng nh\u1eefng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 m\u1edbi. Nh\u01b0ng trong th\u1eadp k\u1ef7 t\u1edbi, h\u1ecd s\u1ebd l\u00e0 nh\u1eefng ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u00f3 t\u00ednh nh\u1ea5t m\u00e0 th\u1ebf gi\u1edbi t\u1eebng bi\u1ebft \u0111\u1ebfn. H\u1ecd mu\u1ed1n tr\u00e1nh n\u1ee3 n\u1ea7n v\u00e0 \u0111\u00e1nh gi\u00e1 cao c\u00e1c t\u00e0i kho\u1ea3n ho\u1eb7c d\u1ecbch v\u1ee5 gi\u00fap h\u1ecd duy tr\u00ec t\u00e0i ch\u00ednh v\u1eefng ch\u1eafc c\u1ee7a m\u00ecnh.<\/span><\/p>\n

V\u00ec th\u1ebf, m\u1ed9t s\u1ed1 fintech \u0111\u00e3 tung ra c\u00e1c \u1ee9ng d\u1ee5ng v\u00e0 c\u00f4ng c\u1ee5 m\u1edbi v\u1edbi ng\u01b0\u1eddi d\u00f9ng Gen Z, \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng \u0111\u1eb7c bi\u1ec7t \u0111\u1ec3 gi\u00fap h\u1ecd x\u00e2y d\u1ef1ng l\u1ecbch s\u1eed t\u00edn d\u1ee5ng khi c\u00f2n h\u1ecdc \u0111\u1ea1i h\u1ecdc ho\u1eb7c cho ph\u00e9p h\u1ecd ki\u1ebfm ph\u1ea7n th\u01b0\u1edfng t\u1eeb ti\u1ebft ki\u1ec7m. T\u0103ng m\u1ee9c \u0111\u1ed9 tr\u1ea3i nghi\u1ec7m b\u1eb1ng nh\u1eefng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 m\u1edbi \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhi\u1ec1u h\u01a1n v\u1ec1 k\u1ef3 v\u1ecdng nhu c\u1ea7u ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a th\u1ebf h\u1ec7 n\u00e0y.<\/span><\/p>\n

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T\u00f3m l\u1ea1i, nh\u1eefng c\u00f4ng ty fintech \u0111ang c\u00f3 nh\u1eefng b\u01b0\u1edbc chuy\u1ec3n m\u00ecnh l\u1edbn \u0111\u1ec3 d\u1ea7n chi\u1ebfm l\u1ea5y th\u1ecb tr\u01b0\u1eddng v\u00e0 thay th\u1ebf d\u1ea7n c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. V\u00ec th\u1ebf, c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng n\u1ebfu kh\u00f4ng mu\u1ed1n b\u1ecb \u0111\u00e0o th\u1ea3i th\u00ec ph\u1ea3i lu\u00f4n lu\u00f4n c\u1eadp nh\u1eadt nh\u1eefng xu h\u01b0\u1edbng m\u1edbi, nh\u1eefng c\u00f4ng ngh\u1ec7 m\u1edbi \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nguy\u1ec7n v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng.<\/span><\/p>\n

Ngu\u1ed3n d\u1ecbch t\u1eeb https:\/\/www.americanbanker.com\/<\/em><\/p>\n

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Innotech Vietnam<\/b><\/a> lu\u00f4n n\u1ed7 l\u1ef1c \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5, gi\u1ea3i ph\u00e1p ch\u1ea5t l\u01b0\u1ee3ng nh\u1ea5t. V\u00ec v\u1eady ch\u00fang t\u00f4i \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 tin t\u01b0\u1edfng t\u1eeb c\u00e1c c\u00f4ng ty l\u1edbn nh\u01b0 ACB, Tyme Bank, Unifimoney, Manulife, Commonwealth Bank,\u2026 \u1ee9ng d\u1ee5ng gi\u1ea3i ph\u00e1p do Innotech Vietnam cung c\u1ea5p.\u00a0<\/span><\/p>\n

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N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t c\u00f4ng ty Fintech Outsourcing \u0111\u1ec3 cung c\u1ea5p gi\u1ea3i ph\u00e1p cho c\u00f4ng ty c\u1ee7a b\u1ea1n. Li\u00ean h\u1ec7 v\u1edbi c\u00e1c chuy\u00ean gia t\u1ea1i Innotech Vietnam \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p m\u1ecdi th\u1eafc m\u1eafc v\u1ec1 <\/span>Fintech software Outsourcing<\/b><\/a>!<\/span><\/p>\n

Email: <\/span>info@innotech-vn.com<\/span><\/a><\/p>\n

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Share your information<\/h2>\n

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