{"id":5191,"date":"2020-03-20T09:01:40","date_gmt":"2020-03-20T09:01:40","guid":{"rendered":"https:\/\/newver.innotech-vn.com\/?p=5191"},"modified":"2023-03-16T04:43:24","modified_gmt":"2023-03-16T04:43:24","slug":"digital-banking-regulations-lieu-se-tang-hay-giam-trong-nam-2020","status":"publish","type":"post","link":"https:\/\/newver.innotech-vn.com\/vie\/digital-banking-regulations-lieu-se-tang-hay-giam-trong-nam-2020\/","title":{"rendered":"Digital banking regulations li\u1ec7u s\u1ebd t\u0103ng hay gi\u1ea3m trong n\u0103m 2020?"},"content":{"rendered":"

Digital banking regulations<\/strong><\/a> li\u1ec7u s\u1ebd t\u0103ng hay gi\u1ea3m trong n\u0103m 2020? D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 digital banking regulations c\u1ea7n <\/span>tu\u00e2n th\u1ee7 hi\u1ec7n nay<\/span><\/p>\n

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Digital banking regulations<\/b><\/h2>\n

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Th\u1ecb tr\u01b0\u1eddng \u0111ang thay \u0111\u1ed5i v\u00e0 l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 \u0111ang c\u00f3 nh\u1eefng b\u01b0\u1edbc ti\u1ebfn b\u1ed9 v\u01b0\u1ee3t b\u1eadc. L\u00e0n s\u00f3ng digital transformation \u0111ang qu\u00e9t qua ng\u00e0nh ng\u00e2n h\u00e0ng. C\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi r\u00f5 r\u00e0ng l\u00e0 \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i c\u00e1ch th\u1ee9c ng\u00e2n h\u00e0ng l\u00e0m vi\u1ec7c v\u1edbi kh\u00e1ch h\u00e0ng, v\u1edbi m\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng l\u00e0 c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3, gi\u1ea3m chi ph\u00ed v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.<\/span><\/p>\n

Nghi\u00ean c\u1ee9u g\u1ea7n \u0111\u00e2y cho th\u1ea5y <\/span>digital transformation<\/b><\/a> \u0111ang mang l\u1ea1i cho c\u00e1c ng\u00e2n h\u00e0ng c\u01a1 h\u1ed9i cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n. Ch\u1eb3ng h\u1ea1n, t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy tr\u00ecnh chuy\u00ean s\u00e2u, d\u1eabn \u0111\u1ebfn t\u1ed1c \u0111\u1ed9 t\u1ed1t h\u01a1n v\u00e0 t\u1ea7n su\u1ea5t l\u1ed7i th\u1ea5p h\u01a1n. B\u00ean c\u1ea1nh vi\u1ec7c kh\u00e1m ph\u00e1 nh\u1eefng c\u01a1 h\u1ed9i m\u1edbi, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng r\u1ee7i ro – v\u00e0 r\u1ee7i ro \u0111\u00f2i h\u1ecfi c\u00e1c quy \u0111\u1ecbnh.<\/span><\/p>\n

Digital banking regulations r\u1ea5t c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 ng\u00e2n h\u00e0ng. Tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh kh\u00f4ng ch\u1ec9 \u0111\u1ec3 tr\u00e1nh b\u1ecb ph\u1ea1t v\u00e0 tr\u1eebng ph\u1ea1t ph\u00e1p l\u00fd m\u00e0 c\u00f2n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o uy t\u00edn cho ng\u00e2n h\u00e0ng c\u1ee7a b\u1ea1n. C\u00f3 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i xem x\u00e9t ng\u00e0y nay. T\u1eeb lu\u1eadt ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ebfn c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng v\u00e0 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u ng\u01b0\u1eddi d\u00f9ng, \u0111i\u1ec1u c\u1ea7n thi\u1ebft l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec3u nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u1edbi ph\u00e1t sinh v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh.<\/span><\/p>\n

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KYC<\/b> & AML<\/b><\/h2>\n

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Quy\u1ec1n s\u1edf h\u1eefu th\u1ef1c s\u1ef1 c\u1ee7a m\u1ed9t t\u00e0i kho\u1ea3n v\u00e0 ngu\u1ed3n ti\u1ec1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u1ea9n kh\u1ecfi ng\u00e2n h\u00e0ng. T\u00e0i li\u1ec7u nh\u1eadn d\u1ea1ng sai th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 m\u1edf t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng cho c\u00e1c giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p.<\/span><\/p>\n

Khi c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng n\u1ed9p b\u00e1o c\u00e1o ho\u1ea1t \u0111\u1ed9ng \u0111\u00e1ng ng\u1edd v\u00e0 kh\u00f4ng th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh \u0111\u1ed9ng th\u00edch h\u1ee3p \u0111\u1ec3 ng\u0103n ch\u1eb7n r\u1eeda ti\u1ec1n, h\u1ecd ph\u1ea3i ch\u1ecbu s\u1ef1 truy t\u1ed1 nghi\u00eam tr\u1ecdng v\u00e0 ti\u1ec1n ph\u1ea1t r\u1ea5t l\u1edbn. \u0110\u00e2y l\u00e0 l\u00fd do t\u1ea1i sao c\u00e1c ng\u00e2n h\u00e0ng chi h\u00e0ng t\u1ef7 \u0111\u00f4 la \u0111\u1ec3 c\u1ed1 g\u1eafng tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ch\u1ed1ng r\u1eeda ti\u1ec1n.<\/span><\/p>\n

\"\" Vi\u1ec7c ki\u1ec3m tra KYC v\u00e0 AML c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o ti\u1ebfn h\u00e0nh li\u00ean t\u1ee5c<\/em><\/p>\n

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Khi m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n trong m\u1ed9t ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, kh\u00e1ch h\u00e0ng \u0111\u1ebfn m\u1ed9t chi nh\u00e1nh \u0111\u0103ng k\u00fd th\u00f4ng qua m\u1ed9t nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng. T\u01b0\u01a1ng t\u00e1c tr\u1ef1c di\u1ec7n cho ng\u00e2n h\u00e0ng kh\u1ea3 n\u0103ng thi\u1ebft l\u1eadp danh t\u00ednh th\u1eadt c\u1ee7a kh\u00e1ch h\u00e0ng. <\/span>Digital banking<\/b><\/a> c\u1ea7n ph\u1ea3i n\u1ed7 l\u1ef1c nhi\u1ec1u h\u01a1n c\u0169ng nh\u01b0 l\u00e0 tu\u00e2n th\u1ee7 nhi\u1ec1u quy \u0111\u1ecbnh h\u01a1n v\u00ec qu\u00e1 tr\u00ecnh n\u00e0y \u0111ang di\u1ec5n ra tr\u1ef1c tuy\u1ebfn v\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 nhi\u1ec1u c\u00e1ch \u0111\u1ec3 n\u00f3i d\u1ed1i v\u1ec1 danh t\u00ednh c\u1ee7a h\u1ecd.<\/span><\/p>\n

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Cross-Border Issues<\/b><\/h2>\n

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C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng c\u00f3 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 xuy\u00ean bi\u00ean gi\u1edbi. Digital banking cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd sang c\u00e1c qu\u1ed1c gia kh\u00e1c ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy t\u1eafc c\u1ee7a n\u01b0\u1edbc s\u1edf t\u1ea1i. R\u1ee7i ro ph\u00e1p l\u00fd v\u00e0 uy t\u00edn li\u00ean quan \u0111\u1ebfn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh xuy\u00ean bi\u00ean gi\u1edbi \u0111\u00e3 t\u0103ng l\u00ean r\u00f5 r\u1ec7t trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. C\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n ki\u1ec3m tra ch\u1ebf \u0111\u1ed9 c\u1ea5p ph\u00e9p (d\u1ecbch v\u1ee5 n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c cung c\u1ea5p?), Quy t\u1eafc ph\u00e2n ph\u1ed1i (y\u00eau c\u1ea7u li\u00ean quan c\u1ee5 th\u1ec3) c\u0169ng nh\u01b0 quy t\u1eafc ph\u00f9 h\u1ee3p c\u1ee7a kh\u00e1ch h\u00e0ng (d\u1ecbch v\u1ee5 c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi h\u1ed3 s\u01a1 c\u1ee7a kh\u00e1ch h\u00e0ng kh\u00f4ng?) .<\/span><\/p>\n

Kh\u00f4ng gi\u1ed1ng nh\u01b0 gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng th\u00f4ng th\u01b0\u1eddng, nh\u1eefng ng\u01b0\u1eddi c\u00f3 gi\u1ea5y ph\u00e9p ph\u00e1t h\u00e0nh ti\u1ec1n \u0111i\u1ec7n t\u1eed c\u00f3 nh\u1eefng h\u1ea1n ch\u1ebf v\u1ec1 nh\u1eefng g\u00ec h\u1ecd c\u00f3 th\u1ec3 l\u00e0m v\u1edbi ti\u1ec1n g\u1eedi c\u1ee7a ng\u01b0\u1eddi g\u1eedi ti\u1ec1n. Nh\u1eefng h\u1ea1n ch\u1ebf n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c coi l\u00e0 ch\u1ed1ng c\u1ea1nh tranh v\u00e0 ph\u1ea3n t\u00e1c d\u1ee5ng \u0111\u1ed1i v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh digital banking m\u1edbi n\u1ed5i.<\/span><\/p>\n

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D\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng<\/b><\/h2>\n

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M\u1ed9t <\/span>digital banking regulation<\/span> ph\u1ea3i \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ea3o v\u1ec7 nh\u1eefng d\u1eef li\u1ec7u c\u00e1 nh\u00e2n nh\u1ea1y c\u1ea3m c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. Digital banking ch\u1ecbu tr\u00e1ch nhi\u1ec7m cho nhi\u1ec1u th\u00f4ng tin t\u00e0i ch\u00ednh v\u00e0 th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ea7n x\u1eed l\u00fd \u0111\u1eb7c bi\u1ec7t.<\/span><\/p>\n

C\u00e1c frameworks nh\u01b0 PCI-DSS, SOX v\u00e0 <\/span>GDPR<\/span><\/a> \u0111\u1eb7t ra c\u00e1c <\/span>digital banking regulations<\/span> y\u00eau c\u1ea7u x\u1eed l\u00fd, l\u01b0u tr\u1eef v\u00e0 th\u1ef1c hi\u1ec7n b\u1ea3o m\u1eadt c\u1ee5 th\u1ec3 \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. Quy \u0111\u1ecbnh trong c\u00e1c digital banking \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf xung quanh vi\u1ec7c b\u1ea3o v\u1ec7 quy\u1ec1n ri\u00eang t\u01b0 v\u00e0 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u \u0111\u1ec3 gi\u1eef an to\u00e0n cho d\u1eef li\u1ec7u c\u1ee7a kh\u00e1ch h\u00e0ng. Tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh gi\u00fap b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng d\u1eef li\u1ec7u kh\u00f4ng r\u01a1i v\u00e0o tay k\u1ebb x\u1ea5u.<\/span><\/p>\n

\"\" GDPR t\u1ea1o ra c\u00e1c lu\u1eadt v\u1ec1 quy\u1ec1n ri\u00eang t\u01b0 d\u1eef li\u1ec7u g\u1eafn k\u1ebft tr\u00ean kh\u1eafp Ch\u00e2u \u00c2u<\/em><\/p>\n

An ninh m\u1ea1ng<\/b><\/h2>\n

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C\u00e1c digital banking n\u1eafm gi\u1eef r\u1ea5t nhi\u1ec1u d\u1eef li\u1ec7u c\u00f3 gi\u00e1 tr\u1ecb khi\u1ebfn t\u1ed5 ch\u1ee9c c\u1ee7a h\u1ecd tr\u1edf th\u00e0nh m\u1ee5c ti\u00eau ch\u00ednh c\u1ee7a c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng.\u00a0<\/span>C\u00e1c quy \u0111\u1ecbnh m\u1edbi t\u00ecm c\u00e1ch gi\u1ea3m c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng n\u00e0y b\u1eb1ng c\u00e1ch \u0111\u01b0a ra c\u00e1c ti\u00eau chu\u1ea9n, c\u00f4ng ngh\u1ec7 v\u00e0 h\u01b0\u1edbng d\u1eabn quy \u0111\u1ecbnh. Tu\u00e2n th\u1ee7 <\/span>digital banking regulation <\/span>b\u1eb1ng c\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u00e0 k\u1ebf ho\u1ea1ch \u0111\u00e1nh gi\u00e1 r\u1ee7i ro to\u00e0n di\u1ec7n nh\u1eb1m b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1, c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng v\u1edbi c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng, ph\u00e1t hi\u1ec7n gian l\u1eadn v\u00e0 gi\u1ea3m nguy c\u01a1 vi ph\u1ea1m d\u1eef li\u1ec7u.<\/span><\/p>\n

\"\" \u00a0An ninh m\u1ea1ng lu\u00f4n m\u1ed9t ch\u1ee7 \u0111\u1ec1 n\u00f3ng khi c\u00f4ng ngh\u1ec7 ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n<\/em><\/p>\n

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