{"id":6879,"date":"2020-05-19T11:19:54","date_gmt":"2020-05-19T11:19:54","guid":{"rendered":"https:\/\/newver.innotech-vn.com\/?p=6879"},"modified":"2020-11-10T04:59:19","modified_gmt":"2020-11-10T04:59:19","slug":"ekyc-xu-huong-cua-ngan-hang-tuong-lai-1","status":"publish","type":"post","link":"https:\/\/newver.innotech-vn.com\/vie\/ekyc-xu-huong-cua-ngan-hang-tuong-lai-1\/","title":{"rendered":"EKYC \u2013 XU H\u01af\u1edaNG C\u1ee6A NG\u00c2N H\u00c0NG T\u01af\u01a0NG LAI"},"content":{"rendered":"

Trong th\u1eddi \u0111\u1ea1i c\u00f4ng ngh\u1ec7 s\u1ed1, \u0111i\u1ec7n tho\u1ea1i l\u00e0 m\u1ed9t v\u1eadt d\u1ee5ng b\u1ea5t ly th\u00e2n \u0111\u1ed1i v\u1edbi m\u1ed7i ng\u01b0\u1eddi. C\u1ee5 th\u1ec3, h\u01a1n 95% d\u00e2n s\u1ed1 Vi\u1ec7t Nam trong \u0111\u1ed9 tu\u1ed5i 15 – 54 \u0111\u1ec1u s\u1edf h\u1eefu m\u1ed9t chi\u1ebfc smartphone. Nh\u01b0ng c\u0169ng \u1edf \u0111\u1ed9 tu\u1ed5i n\u00e0y, t\u1ef7 l\u1ec7 s\u1edf h\u1eefu t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c th\u1ed1ng k\u00ea ch\u01b0a t\u1edbi 31%. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng c\u01a1 h\u1ed9i \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam \u0111\u1ea9y m\u1ea1nh ph\u01b0\u01a1ng th\u1ee9c ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng m\u1edbi th\u00f4ng qua smartphone m\u00e0 kh\u00f4ng ph\u1ea3i m\u1ea5t nhi\u1ec1u chi ph\u00ed, c\u00f4ng vi\u1ec7c gi\u1ea5y t\u1edd nh\u01b0 c\u00e1ch ti\u1ebfp c\u1eadn truy\u1ec1n th\u1ed1ng.<\/span><\/p>\n

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V\u1eady c\u00f4ng ngh\u1ec7 n\u00e0o \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng cung c\u1ea5p d\u1ecbch v\u1ee5 n\u00e0y?<\/b><\/h2>\n

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\u0110\u00f3 ch\u00ednh l\u00e0 nh\u1edd v\u00e0o gi\u1ea3i ph\u00e1p m\u00e0 eKYC. eKYC<\/strong><\/a> l\u00e0 ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed d\u1ef1a tr\u00ean quy tr\u00ecnh KYC<\/strong><\/a> v\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a c\u00e1c c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn nh\u01b0 ki\u1ec3m tra, \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin c\u00e1 nh\u00e2n t\u1ee9c th\u1eddi v\u1edbi c\u01a1 s\u1edf d\u1eef li\u1ec7u t\u1eadp trung v\u1ec1 danh t\u00ednh ng\u01b0\u1eddi d\u00f9ng, x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc, nh\u1eadn di\u1ec7n kh\u00e1ch h\u00e0ng nh\u1edd tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o\u2026T\u1eeb \u0111\u00f3, gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c th\u1eddi gian, ti\u1ec1n b\u1ea1c v\u00e0 nh\u00e2n l\u1ef1c x\u00e1c \u0111\u1ecbnh danh t\u00ednh kh\u00e1ch h\u00e0ng. \u0110\u1ed3ng th\u1eddi gi\u00fap ng\u01b0\u1eddi d\u00f9ng c\u00f3 tr\u1ea3i nghi\u1ec7m t\u1ed1t h\u01a1n \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng. \u00a0Hi\u1ec7n t\u1ea1i, \u00a0eKYC Vi\u1ec7t Nam<\/strong><\/a>\u00a0 c\u0169ng \u0111ang \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 khuy\u1ebfn kh\u00edch th\u1ef1c hi\u1ec7n v\u00e0 \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng\u00a0n\u00f3 c\u00e0ng nhanh c\u00e0ng t\u1ed1t v\u00e0o c\u00e1c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng hi\u1ec7n t\u1ea1i.<\/span><\/p>\n

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\"eKYC eKYC \u1ee9ng d\u1ee5ng nhi\u1ec1u c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn gi\u00fap x\u00e1c minh danh t\u00ednh kh\u00e1ch h\u00e0ng chu\u1ea9n x\u00e1c nh\u1ea5t<\/em><\/p>\n

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C\u00f3 th\u1ec3 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 EKYC v\u00e0o trong nh\u1eefng ho\u1ea1t \u0111\u1ed9ng n\u00e0o c\u1ee7a ng\u00e2n h\u00e0ng?<\/b><\/h2>\n

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\u0110\u1ea7u ti\u00ean, kh\u00f4ng th\u1ec3 kh\u00f4ng nh\u1eafc \u0111\u1ebfn gi\u1ea3i ph\u00e1p eKYC<\/strong><\/a> mang l\u1ea1i v\u00e0o trong qu\u00e1 tr\u00ecnh onbroading c\u1ee7a kh\u00e1ch h\u00e0ng. K\u1ebft h\u1ee3p c\u00f4ng ngh\u1ec7 OCR, Liveness Detection v\u00e0 Facematching Detection ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh n\u00e0y c\u1ee7a kh\u00e1ch h\u00e0ng nh\u1edd v\u00e0o vi\u1ec7c x\u00e1c minh th\u00f4ng tin nhanh ch\u00f3ng, ti\u1ebft ki\u1ec7m th\u1eddi gian x\u1eed l\u00fd nh\u01b0ng v\u1eabn gi\u1eef \u0111\u01b0\u1ee3c \u0111\u1ed9 ch\u00ednh x\u00e1c cao<\/span><\/p>\n

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Ngo\u00e0i ra, eKYC trong ng\u00e2n h\u00e0ng<\/strong><\/a> c\u00f2n \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng v\u00e0o trong nh\u1eefng d\u1ecbch v\u1ee5 y\u00eau c\u1ea7u kh\u1eaft khe h\u01a1n nh\u01b0 th\u1ea9m \u0111\u1ecbnh cho vay. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng \u1ee9ng d\u1ee5ng gi\u00fap ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m nhi\u1ec1u th\u1eddi gian v\u00e0 chi ph\u00ed khi c\u00f3 th\u1ec3 x\u00e1c minh kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh v\u00e0 ch\u1ee9ng minh nh\u00e2n th\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110i\u1ec1u n\u00e0y s\u1ebd h\u1ea1n ch\u1ebf nh\u1eefng r\u1ee7i ro v\u1ec1 t\u1ed9i ph\u1ea1m t\u00e0i ch\u00ednh ho\u1eb7c sai s\u00f3t nh\u1eadn d\u1ea1ng do con ng\u01b0\u1eddi g\u00e2y ra, b\u1edfi t\u1ed5n th\u1ea5t c\u1ee7a vi\u1ec7c n\u00e0y x\u1ea3y ra l\u00e0 v\u00f4 c\u00f9ng nghi\u00eam tr\u1ecdng.<\/span><\/p>\n

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\"K\u1ebft K\u1ebft h\u1ee3p c\u00f4ng ngh\u1ec7 OCR v\u00e0 Face Detection v\u00e0o quy tr\u00ecnh eKYC trong ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh onboarding c\u1ee7a kh\u00e1ch h\u00e0ng<\/em><\/p>\n

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EKYC \u1ee9ng d\u1ee5ng v\u00e0o qu\u00e1 tr\u00ecnh onboarding c\u1ee7a kh\u00e1ch h\u00e0ng<\/b><\/b><\/h2>\n

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B\u01b0\u1edbc 1: KH ph\u1ea3i nh\u1eadp c\u00e1c tr\u01b0\u1eddng th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u tr\u00ean \u1ee9ng d\u1ee5ng. Sau \u0111\u00f3, KH \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u \u0111\u1ec3 ch\u1ee5p hai m\u1eb7t c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh nh\u00e2n th\u00e2n nh\u01b0: h\u1ed9 chi\u1ebfu, b\u1eb1ng l\u00e1i xe ho\u1eb7c ch\u1ee9ng minh th\u01b0,..<\/span><\/p>\n

B\u01b0\u1edbc 2: Ti\u1ebfp theo, th\u00f4ng tin s\u1ebd \u0111\u01b0\u1ee3c tr\u00edch xu\u1ea5t t\u1ef1 \u0111\u1ed9ng d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 OCR<\/strong> <\/a>v\u00e0 ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 ki\u1ec3m tra v\u00e0 ch\u1ec9nh s\u1eeda l\u1ea1i. Sau \u0111\u00f3, KH \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u ch\u1ee5p m\u1ed9t b\u1ee9c h\u00ecnh t\u1ef1 s\u01b0\u1edbng ho\u1eb7c selfie video nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin \u0111\u1ec3 x\u00e1c th\u1ef1c<\/span><\/p>\n

B\u01b0\u1edbc 3: Trong tr\u01b0\u1eddng h\u1ee3p h\u00ecnh \u1ea3nh c\u1ee7a KH kh\u1edbp v\u1edbi h\u00ecnh \u1ea3nh tr\u00ean t\u00e0i li\u1ec7u m\u00e0 KH \u0111\u00e3 cung c\u1ea5p, th\u00ec k\u1ebft qu\u1ea3 s\u1ebd s\u1ebd x\u00e1c th\u1ef1c th\u00e0nh c\u00f4ng v\u00e0 \u0111\u01b0\u1ee3c m\u1edf t\u00e0i kho\u1ea3n. N\u1ebfu kh\u00f4ng th\u00e0nh c\u00f4ng, KH ph\u1ea3i ti\u1ebfn h\u00e0nh x\u00e1c th\u1ef1c l\u1ea1i.<\/span><\/p>\n

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D\u1ef1a tr\u00ean nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 nh\u00e0 cung c\u1ea5p gi\u1ea3i ph\u00e1p EKYC?<\/b><\/h2>\n

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\"\u0110\u1ed9i \u0110\u1ed9i ng\u0169 leader tr\u1ebb trung, nhi\u1ec7t t\u00ecnh v\u00e0 d\u00e0y d\u1eb7n kinh nghi\u1ec7m c\u1ee7a Innotech<\/em><\/p>\n

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Quy tr\u00ecnh n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng trong ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u00e1ch h\u00e0ng \u0111\u00fang nh\u01b0 trong h\u1ed3 s\u01a1 \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro ki\u1ec7n t\u1ee5ng ti\u1ec1m \u1ea9n v\u00e0 \u0111\u1ec3 quy tr\u00e1ch nhi\u1ec7m n\u1ebfu c\u00f3 vi ph\u1ea1m ph\u00e1p lu\u1eadt trong t\u01b0\u01a1ng lai. V\u00ec v\u1eady, c\u00e1c ng\u00e2n h\u00e0ng n\u00ean h\u1ee3p t\u00e1c v\u1edbi nh\u00e0 cung c\u1ea5p gi\u1ea3i ph\u00e1p c\u00f3 uy t\u00edn v\u00e0 kinh nghi\u1ec7m th\u1ef1c hi\u1ec7n ch\u00fang tr\u01b0\u1edbc \u0111\u00e2y \u0111\u1ec3 y\u00ean t\u00e2m r\u1eb1ng h\u1ecd s\u1ebd mang l\u1ea1i cho b\u1ea1n s\u1ea3n ph\u1ea9m t\u1ed1t nh\u1ea5t.<\/span><\/p>\n

V\u00e0 Innotech Vi\u1ec7t Nam<\/strong><\/a> l\u00e0 m\u1ed9t trong nh\u1eefng nh\u00e0 cung c\u1ea5p h\u1ed9i \u0111\u1ee7 c\u00e1c y\u1ebfu t\u1ed1 c\u1ea7n thi\u1ebft v\u00e0 \u0111\u1ee7 kh\u1ea3 n\u0103ng \u0111\u1ec3 \u0111\u1ed3ng h\u00e0nh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u1edf nhi\u1ec1u quy m\u00f4.<\/span><\/p>\n