{"id":6988,"date":"2020-05-28T08:28:47","date_gmt":"2020-05-28T08:28:47","guid":{"rendered":"https:\/\/newver.innotech-vn.com\/?p=6988"},"modified":"2024-06-04T17:30:51","modified_gmt":"2024-06-04T10:30:51","slug":"digital-onboarding-buoc-dau-cho-digital-hoa-ngan-hang","status":"publish","type":"post","link":"https:\/\/newver.innotech-vn.com\/vie\/digital-onboarding-buoc-dau-cho-digital-hoa-ngan-hang\/","title":{"rendered":"Digital Onboarding – B\u01b0\u1edbc \u0110\u1ea7u Cho Digital Ho\u00e1 Ng\u00e2n H\u00e0ng"},"content":{"rendered":"
T\u01b0\u01a1ng t\u00e1c \u0111\u1ea7u ti\u00ean v\u1edbi kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng s\u1ebd m\u1edf ra m\u1ed1i quan h\u1ec7 m\u00e0 ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 v\u1edbi h\u1ecd. \u0110i\u1ec1u g\u00e2y \u1ea5n t\u01b0\u1ee3ng \u0111\u1ea7u ti\u00ean cho ng\u01b0\u1eddi d\u00f9ng m\u1edbi khi giao d\u1ecbch v\u1edbi ng\u00e2n h\u00e0ng l\u00e0 tr\u1ea3i nghi\u1ec7m quy tr\u00ecnh onboarding<\/strong><\/a>. L\u00e0m th\u1ebf n\u00e0o c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1ea1o \u1ea5n t\u01b0\u1ee3ng \u0111\u1ea7u ti\u00ean th\u1eadt t\u1ed1t v\u1edbi kh\u00e1ch h\u00e0ng? Digital onboarding<\/strong><\/a> l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean c\u1ee7a qu\u00e1 tr\u00ecnh s\u1ed1 h\u00f3a c\u00e1c ng\u00e2n h\u00e0ng nh\u1eb1m c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng.<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n Ph\u1ee5 thu\u1ed9c v\u00e0o ng\u00e0nh kinh doanh, quy tr\u00ecnh onboarding c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd c\u00f3 s\u1ef1 kh\u00e1c nhau v\u1ec1 c\u00e1c b\u01b0\u1edbc ti\u1ebfn h\u00e0nh. V\u00e0 \u0111\u1ed1i v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng, qu\u00e1 tr\u00ecnh n\u00e0y c\u00f2n ph\u1ee9c t\u1ea1p h\u01a1n b\u1edfi c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd \u0111\u00f2i h\u1ecfi d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng r\u1ed9ng l\u1edbn\u00a0 v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c thu th\u1eadp \u0111\u1ec3 tu\u00e2n th\u1ee7 AML v\u00e0 KYC.\u00a0<\/span><\/p>\n <\/p>\n V\u1ec1 nguy\u00ean t\u1eafc, c\u00e1c b\u01b0\u1edbc trong quy tr\u00ecnh digital onboarding r\u1ea5t gi\u1ed1ng v\u1edbi quy tr\u00ecnh c\u1ee7a m\u1ed9t c\u1eeda h\u00e0ng b\u00e1n l\u1ebb tr\u1ef1c tuy\u1ebfn. Nh\u01b0ng c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i ch\u00ednh x\u00e1c v\u00e0 t\u1ec9 m\u1ec9 h\u01a1n bao gi\u1edd h\u1ebft khi thu th\u1eadp v\u00e0 ch\u1ee9ng minh d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng.<\/span><\/p>\n <\/p>\n C\u00e1c nguy\u00ean t\u1eafc \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t quy tr\u00ecnh onboarding tinh gi\u1ea3n cho ng\u00e2n h\u00e0ng:<\/span><\/p>\n <\/p>\n Sau khi tu\u00e2n th\u1ee7 5 ti\u00eau chu\u1ea9n \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp \u1edf tr\u00ean, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 li\u00ean t\u1ee5c ph\u00e2n t\u00edch v\u00e0 c\u1ea3i thi\u1ec7n quy tr\u00ecnh onboarding. V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n kh\u00f4ng ng\u1eebng c\u1ee7a c\u00f4ng ngh\u1ec7, quy tr\u00ecnh digital onboarding \u0111\u00e3 xu\u1ea5t hi\u1ec7n gi\u00fap c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng v\u00e0 h\u1ecd c\u0169ng s\u1ebd quen v\u1edbi nh\u1eefng \u1ee9ng d\u1ee5ng m\u1edbi, ti\u1ec7n l\u1ee3i c\u1ee7a quy tr\u00ecnh n\u00e0y.<\/span><\/p>\n <\/p>\n <\/p>\n Kh\u00e1ch h\u00e0ng th\u01b0\u1eddng t\u1eeb b\u1ecf t\u00e0i kho\u1ea3n c\u1ee7a h\u1ecd v\u00ec qu\u00e1 tr\u00ecnh onboarding qu\u00e1 m\u1ea5t th\u1eddi gian v\u00e0 ph\u1ee9c t\u1ea1p. N\u00f3 s\u1ebd tr\u1edf th\u00e0nh tr\u1edf ng\u1ea1i trong vi\u1ec7c thu h\u00fat kh\u00e1ch h\u00e0ng\u00a0 \u0111\u1ebfn v\u1edbi ng\u00e2n h\u00e0ng. Trong th\u1ebf gi\u1edbi hi\u1ec7n \u0111\u1ea1i, s\u1ed1 ho\u00e1 l\u00e0 kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi, do \u0111\u00f3 c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n th\u1ef1c hi\u1ec7n s\u1ed1 ho\u00e1 quy tr\u00ecnh onboarding c\u1ee7a m\u00ecnh.\u00a0<\/span><\/p>\n <\/p>\n Th\u1eed th\u00e1ch kh\u00f3 kh\u0103n nh\u1ea5t hi\u1ec7n t\u1ea1i d\u00e0nh cho c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng l\u00e0 c\u00e1c\u00a0 \u0111\u1ed1i th\u1ee7 ng\u00e0y c\u00e0ng nhanh nh\u1eb9n chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 s\u1ef1 ra \u0111\u1eddi ng\u00e0y c\u00e0ng nhi\u1ec1u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn. N\u1ebfu kh\u00f4ng c\u00f3 gi\u1ea3i ph\u00e1p \u0111\u1ed5i m\u1edbi, th\u00ec h\u1ecd c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p v\u00e0 \u0111\u01b0a ra c\u00e1c h\u1ec7 th\u1ed1ng tinh vi ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n v\u1edbi chi ph\u00ed th\u1ea5p.<\/span><\/p>\n <\/p>\n B\u00e2y gi\u1edd, c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng tri\u1ec3n khai c\u00e1c gi\u1ea3i ph\u00e1p t\u1ef1 \u0111\u1ed9ng ho\u00e1\u00a0 cho qu\u00e1 tr\u00ecnh onboarding. V\u00ec v\u1eady, c\u00f3 th\u1ec3 k\u1ec3 ra r\u1ea5t nhi\u1ec1u l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c \u0111\u01b0a quy tr\u00ecnh digital onboarding v\u00e0o ng\u00e2n h\u00e0ng nh\u01b0ng trong s\u1ed1 \u0111\u00f3 c\u00f3 hai y\u1ebfu t\u1ed1 quan tr\u1ecdng n\u00ean \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn, hai y\u1ebfu t\u1ed1 n\u00e0y l\u00e0:<\/span><\/p>\n <\/p>\n <\/p>\n Hi\u1ec7n nay vi\u1ec7c c\u1ea1nh tranh trong ng\u00e0nh ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng kh\u1ed1c li\u1ec7t n\u00ean vi\u1ec7c \u0111\u00e1p \u1ee9ng mong \u0111\u1ee3i c\u1ee7a ng\u01b0\u1eddi d\u00f9ng l\u00e0 r\u1ea5t quan tr\u1ecdng. C\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh tr\u1ea3i nghi\u1ec7m \u0111\u01a1n gi\u1ea3n, kh\u00f4ng t\u1ed1n qu\u00e1 nhi\u1ec1u th\u1eddi gian trong khi gi\u1ea3m chi ph\u00ed v\u1eadn h\u00e0nh v\u00e0 c\u1ea3i thi\u1ec7n doanh thu. T\u1ea5t c\u1ea3 nh\u1eefng n\u1ed7 l\u1ef1c s\u1ed1 h\u00f3a m\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0a v\u00e0o ch\u1ec9 c\u00f3 th\u1ec3 th\u00e0nh c\u00f4ng n\u1ebfu qu\u00e1 tr\u00ecnh onboarding di\u1ec5n ra su\u00f4n s\u1ebb v\u00e0 t\u1ed1i \u01b0u h\u00f3a. V\u00e0 sau \u0111\u00f3, ng\u01b0\u1eddi d\u00f9ng s\u1ebd th\u1ea5y s\u1ef1 tuy\u1ec7t v\u1eddi c\u1ee7a t\u1ef1 \u0111\u1ed9ng h\u00f3a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/span><\/p>\n <\/p>\n <\/p>\n S\u1ef1 ra \u0111\u1eddi c\u1ee7a digital onboarding l\u00e0 \u0111i\u1ec1u t\u1ea5t y\u1ebfu. Tuy nhi\u00ean, c\u00e2u h\u1ecfi duy nh\u1ea5t l\u00e0\u00a0 ng\u00e2n h\u00e0ng c\u00f3 mu\u1ed1n tr\u1edf th\u00e0nh ng\u01b0\u1eddi ti\u00ean phong \u0111\u1ec3 chi\u1ebfm l\u0129nh th\u1ecb tr\u01b0\u1eddng \u0111\u1ea7y ti\u1ec1m n\u0103ng n\u00e0y hay kh\u00f4ng. \u0110\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a l\u1ee3i \u00edch t\u1eeb quy tr\u00ecnh digital onboarding mang l\u1ea1i, c\u1ea7n l\u01b0u \u00fd c\u00e1c y\u1ebfu t\u1ed1 sau:<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n H\u1ea7u h\u1ebft c\u00e1c doanh nghi\u1ec7p s\u1eb5n s\u00e0ng d\u00f9ng online banking \u0111\u1ec3 giao d\u1ecbch. Kh\u00e1ch h\u00e0ng kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn tr\u1ef1c ti\u1ebfp chi nh\u00e1nh ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, kho\u1ea3ng 60% c\u00e1c doanh nghi\u1ec7p th\u1eeba nh\u1eadn r\u1eb1ng quy tr\u00ecnh onboarding c\u1ee7a ng\u00e2n h\u00e0ng c\u1ea7n c\u1ea3i thi\u1ec7n t\u1ed1t h\u01a1n. Quy tr\u00ecnh onboarding c\u1ee7a ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u01b0\u1ee3c quan t\u00e2m c\u1ea3i thi\u1ec7n v\u00e0 \u00e1p d\u1ee5ng t\u1ef1 \u0111\u1ed9ng ho\u00e1 \u0111\u1ec3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u v\u00e0 t\u0103ng tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng.<\/span><\/p>\n <\/p>\n N\u00f3 g\u00f3p ph\u1ea7n v\u00e0o h\u1ec7 th\u1ed1ng t\u01b0 duy m\u1edf r\u1ed9ng, gi\u00fap m\u1ecdi t\u01b0\u01a1ng t\u00e1c c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng ho\u00e1. V\u00e0 digital onboarding s\u1ebd mang \u0111\u1ebfn nhi\u1ec1u l\u1ee3i \u00edch cho ng\u00e2n h\u00e0ng n\u1ebfu \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng t\u1ed1t v\u00e0 qu\u1ea3ng b\u00e1 \u0111\u1ebfn \u0111\u00fang kh\u00e1ch h\u00e0ng m\u1ee5c ti\u00eau:<\/span><\/p>\n <\/p>\n <\/p>\n<\/p>\n
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S\u1ef1 xu\u1ea5t hi\u1ec7n v\u00e0 c\u00e1c nguy\u00ean t\u1eafc \u0111\u1ec3 x\u00e2y d\u1ef1ng quy tr\u00ecnh Digital onboarding cho c\u00e1c ng\u00e2n h\u00e0ng.<\/b><\/h2>\n
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T\u1ea7m quan tr\u1ecdng c\u1ee7a quy tr\u00ecnh Digital onboarding \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng.<\/b><\/h2>\n
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L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u1ea1o ra th\u00e0nh c\u00f4ng cho qu\u00e1 tr\u00ecnh Digital onboarding c\u1ee7a ng\u00e2n h\u00e0ng.<\/b><\/h2>\n
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L\u1ee3i \u00edch ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c t\u1eeb t\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh onboarding.<\/b><\/h2>\n
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