{"id":9275,"date":"2020-09-29T04:03:33","date_gmt":"2020-09-29T04:03:33","guid":{"rendered":"https:\/\/newver.innotech-vn.com\/?p=9275"},"modified":"2024-06-04T17:11:42","modified_gmt":"2024-06-04T10:11:42","slug":"6-nhan-to-de-xay-dung-digital-banking-thanh-cong","status":"publish","type":"post","link":"https:\/\/newver.innotech-vn.com\/vie\/6-nhan-to-de-xay-dung-digital-banking-thanh-cong\/","title":{"rendered":"6 nh\u00e2n t\u1ed1 \u0111\u1ec3 x\u00e2y d\u1ef1ng digital banking th\u00e0nh c\u00f4ng."},"content":{"rendered":"

D\u1ef1a theo kinh nghi\u1ec7m khi h\u1ed7 tr\u1ee3 h\u01a1n 20 t\u1ed5 ch\u1ee9c \u0111\u00e1nh gi\u00e1, nh\u00e0 t\u01b0 v\u1ea5n v\u00e0<\/span> Digital bank developer<\/b><\/a>, ch\u00fang t\u00f4i \u0111\u00e3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c s\u00e1u nh\u00e2n t\u1ed1 \u0111\u1ec3 x\u00e2y d\u1ef1ng digital banking th\u00e0nh c\u00f4ng.<\/strong><\/a><\/span><\/p>\n

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6 nh\u00e2n t\u1ed1 gi\u00fap x\u00e2y d\u1ef1ng digital banking th\u00e0nh c\u00f4ng<\/strong><\/h2>\n

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1. T\u1eadp trung v\u00e0o y\u1ebfu t\u1ed1 \u201c\u0111\u00e2u l\u00e0 gi\u00e1 tr\u1ecb th\u1ef1c s\u1ef1\u201d:<\/b><\/h3>\n

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M\u1ed9t doanh nghi\u1ec7p m\u1edbi mu\u1ed1n kh\u1edfi \u0111\u1ea7u th\u00e0nh c\u00f4ng \u0111\u00f2i h\u1ecfi c\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh r\u00f5 v\u1ec1 gi\u00e1 tr\u1ecb c\u1ee7a s\u1ef1 th\u00fac \u0111\u1ea9y. M\u1eb7c d\u00f9 \u0111i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t \u0111i\u1ec1u hi\u1ec3n nhi\u00ean, nh\u01b0ng ch\u00fang t\u00f4i th\u1ea5y r\u1eb1ng n\u00f3 th\u01b0\u1eddng b\u1ecb xem nh\u1eb9 v\u00e0 cho qua. Thay v\u00e0o \u0111\u00f3, c\u00f3 m\u1ed9t c\u00e1m d\u1ed7 v\u1ec1 vi\u1ec7c sao ch\u00e9p ho\u1eb7c nh\u00e2n r\u1ed9ng c\u00e1c m\u00f4 h\u00ecnh hi\u1ec7n c\u00f3. V\u00ed d\u1ee5 nh\u01b0, mBank l\u00e0 digital banking \u0111\u1ea7u ti\u00ean c\u1ee7a Ba Lan,<\/span> ng\u00e2n h\u00e0ng n\u00e0y \u0111\u00e3 th\u00e0nh c\u00f4ng khi cung c\u1ea5p cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00e1c kho\u1ea3n vay c\u00e1 nh\u00e2n kh\u00f4ng th\u1ebf ch\u1ea5p v\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u01a1n gi\u1ea3n kh\u00e1c<\/span>. \u0110\u00e2y l\u00e0 m\u1ed9t m\u00f4 h\u00ecnh \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh \u1edf c\u00e1c qu\u1ed1c gia nh\u01b0 Ba Lan v\u00e0 C\u1ed9ng h\u00f2a S\u00e9c, n\u01a1i th\u1ebb t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u1ed5 bi\u1ebfn.\u00a0<\/span><\/p>\n

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\"C\u00e1cC\u00e1c ng\u00e2n h\u00e0ng \u0111ang t\u00ecm ki\u1ebfm gi\u1ea3i ph\u00e1p, t\u1eadp trung v\u00e0o y\u1ebfu t\u1ed1 \u201c\u0111\u00e2u l\u00e0 gi\u00e1 tr\u1ecb th\u1ef1c s\u1ef1\u201d.<\/span><\/i><\/p>\n

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C\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0a ra xu h\u01b0\u1edbng r\u1eb1ng, m\u1ed9t gi\u1ea3i ph\u00e1p c\u00f3 th\u1ec3 ho\u1ea1t \u0111\u1ed9ng cho to\u00e0n b\u1ed9 khu v\u1ef1c. Th\u1eadt \u0111\u00e1ng ti\u1ebfc l\u00e0 quan \u0111i\u1ec3m n\u00e0y \u0111\u00e3 b\u1ecf l\u1ee1 c\u00e1c c\u01a1 h\u1ed9i c\u00f3 gi\u00e1 tr\u1ecb \u0111\u00e1ng k\u1ec3. V\u00ed d\u1ee5 nh\u01b0, theo ph\u00e2n t\u00edch chi ti\u1ebft c\u1ee7a t\u1eebng qu\u1ed1c gia v\u1ec1 doanh thu tr\u00ean m\u1ed7i kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb cho th\u1ea5y \u0111\u01b0\u1ee3c, c\u00f3 nh\u1eefng kh\u00e1c bi\u1ec7t \u0111\u00e1ng k\u1ec3 v\u1ec1 c\u01a1 h\u1ed9i. C\u00f3 nh\u1eefng vi\u1ec7c \u0111\u01b0\u1ee3c chia nh\u1ecf ra theo c\u00e1c ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng ho\u1eb7c ph\u00e2n kh\u00fac ph\u1ee5 kh\u00e1c c\u00f3 th\u1ec3 l\u00e0m n\u1ed5i b\u1eadt nh\u1eefng kh\u00e1c bi\u1ec7t, th\u1eadm ch\u00ed l\u00e0 l\u00e0m r\u00f5 r\u00e0ng h\u01a1n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c kinh doanh. V\u00ed d\u1ee5, kho\u1ea3ng 43% kh\u00e1ch h\u00e0ng ng\u00e2n h\u00e0ng \u1edf \u0110\u00e0i Loan m\u1edf c\u1eeda cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 k\u1ef9 thu\u1eadt s\u1ed1, so v\u1edbi \u1edf \u00dac ch\u1ec9 17%.<\/span><\/p>\n

M\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng kh\u00e1c l\u00e0m thay \u0111\u1ed5i theo t\u1eebng qu\u1ed1c gia l\u00e0 quy \u0111\u1ecbnh (v\u00ed d\u1ee5 nh\u01b0 c\u00e1c y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi t\u00e0i li\u1ec7u v\u00e0 bi\u1ec3u m\u1eabu tr\u00ean gi\u1ea5y) v\u00e0 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng li\u00ean quan (ch\u1eb3ng h\u1ea1n nh\u01b0 s\u1ef1 c\u00f3 s\u1eb5n chung ID qu\u1ed1c gia). V\u00ed d\u1ee5, Trung Qu\u1ed1<\/span>c \u0111\u00e3 tr\u1edf th\u00e0nh nh\u00e0 \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 h\u00e0ng \u0111\u1ea7u trong l\u0129nh v\u1ef1c digital banking<\/span>, m\u1ed9t ph\u1ea7n l\u00e0 do m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd thu\u1eadn l\u1ee3i \u0111\u01b0\u1ee3c Trung Qu\u1ed1c x\u00e2y d\u1ef1ng s\u1eb5n.<\/span><\/p>\n

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2. Kh\u00f4ng ng\u1eebng th\u1eed nghi\u1ec7m \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh nh\u1eefng tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng:<\/b><\/h3>\n

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Vi\u1ec7c tri\u1ec3n khai th\u00e0nh c\u00f4ng ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u1ec1<\/span>\u00a0digital banking transformation<\/b><\/a> \u0111\u00f2i h\u1ecfi c\u1ea7n c\u00f3 s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa nghi\u00ean c\u1ee9u tr\u1ea3i nghi\u1ec7m c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc, th\u1eddi gian th\u1ef1c hi\u1ec7n v\u00e0 \u0111i\u1ec3m y\u1ebfu c\u1ee7a kh\u00e1ch h\u00e0ng. C\u00f3 ngh\u0129a l\u00e0 s\u1ef1 b\u1eaft \u0111\u1ea7u m\u1ed9t lo\u1ea1t ho\u1ea1t \u0111\u1ed9ng li\u00ean t\u1ee5c v\u00e0 nhanh ch\u00f3ng v\u1edbi nh\u1eefng s\u1ea3n ph\u1ea9m kh\u1ea3 d\u1ee5ng (MVP) v\u00e0 nh\u1eefng l\u1ea7n l\u1eb7p l\u1ea1i nh\u01b0 v\u1eady \u0111\u1ec3 t\u00ecm ra nh\u1eefng \u0111i\u1ec3m c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n nh\u1eefng tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng. Cu\u1ed9c th\u1eed nghi\u1ec7m v\u1ec1 \u201creal life\u201d n\u00e0y r\u1ea5t quan tr\u1ecdng, nh\u1eb1m so s\u00e1nh nh\u1eefng \u0111\u00e1nh gi\u00e1 th\u1ef1c s\u1ef1 c\u1ee7a kh\u00e1ch h\u00e0ng so v\u1edbi nh\u1eefng g\u00ec h\u1ecd n\u00f3i r\u1eb1ng h\u1ecd \u0111\u00e1nh gi\u00e1 cao. \u0110i\u1ec1u n\u00e0y c\u0169ng mang l\u1ea1i m\u1ed9t v\u00e0i khuy\u1ebft \u0111i\u1ec3m v\u00e0 sai s\u00f3t l\u00ean t\u1edbi 70%.<\/span><\/p>\n

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\"Y\u1ebfuY\u1ebfu t\u1ed1 \u0111i\u1ec1u ch\u1ec9nh nh\u1eefng tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng th\u1ef1c s\u1ef1 c\u1ea7n thi\u1ebft.<\/span><\/i><\/p>\n

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V\u00ed d\u1ee5 nh\u01b0, m\u1ed9t c\u00f4ng ty mu\u1ed1n ti\u1ebfp c\u1eadn \u0111\u1ebfn vi\u1ec7c th\u00e0nh l\u1eadp digital banking nh\u1eb1m m\u1ee5c ti\u00eau x\u00e2m nh\u1eadp v\u00e0o c\u00e1c th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i, v\u1edbi gi\u1ea3 thuy\u1ebft r\u1eb1ng vi\u1ec7c cho ph\u00e9p kh\u00e1ch h\u00e0ng \u0111\u0103ng nh\u1eadp b\u1eb1ng t\u00e0i kho\u1ea3n m\u1ea1ng x\u00e3 h\u1ed9i c\u1ee7a h\u1ecd l\u00e0 r\u1ea5t quan tr\u1ecdng. C\u00e1c cu\u1ed9c th\u1ea3o lu\u1eadn \u0111i s\u00e2u v\u00e0o nh\u1eefng nghi\u00ean c\u1ee9u kh\u00e1ch h\u00e0ng v\u00e0 nhi\u1ec1u phi\u00ean b\u1ea3n nguy\u00ean m\u1eabu (100 \u0111\u1ebfn 150 b\u1ea3ng nghi\u00ean c\u1ee9u d\u00e0nh cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 c\u1ea5u tr\u00fac v\u00e0 ph\u1ea3n h\u1ed3i) cho th\u1ea5y \u0111i\u1ec1u n\u00e0y kh\u00f4ng \u0111\u00fang. Ng\u01b0\u1ee3c l\u1ea1i, t\u1ea1i c\u00e1c th\u00e0nh ph\u1ed1 l\u1edbn v\u00e0 nh\u1eefng n\u01a1i c\u00f3 n\u1ec1n gi\u00e1o d\u1ee5c, xu\u1ea5t hi\u1ec7n nh\u1eefng lo ng\u1ea1i v\u1ec1 an ninh v\u00e0 quy\u1ec1n ri\u00eang t\u01b0 v\u1ec1 nh\u1eefng m\u1ed1i li\u00ean h\u1ec7 gi\u1eefa t\u00e0i ch\u00ednh v\u1edbi m\u1ea1ng x\u00e3 h\u1ed9i c\u1ee7a h\u1ecd. V\u00ec v\u1eady, thay v\u00ec \u0111\u0103ng nh\u1eadp b\u1eb1ng t\u00e0i kho\u1ea3n m\u1ea1ng x\u00e3 h\u1ed9i, c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u00e3 \u00e1p d\u1ee5ng ph\u01b0\u01a1ng th\u1ee9c b\u1ea3o m\u1eadt v\u00e0o qu\u00e1 tr\u00ecnh gi\u1edbi thi\u1ec7u v\u1edbi kh\u00e1ch h\u00e0ng.<\/span><\/p>\n

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3 . T\u1ed5 ch\u1ee9c s\u00e1ng t\u1ea1o, linh ho\u1ea1t v\u00e0 t\u1ed1c \u0111\u1ed9:<\/b><\/h3>\n

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\u0110\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t doanh nghi\u1ec7p b\u1eb1ng c\u00e1ch ti\u1ebfp c\u1eadn l\u1eb7p \u0111i l\u1eb7p l\u1ea1i li\u00ean t\u1ee5c \u0111\u00f2i h\u1ecfi c\u1ea7n c\u00f3 nh\u1eefng ho\u1ea1t \u0111\u1ed9ng m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u1eddng kh\u00f4ng quen thu\u1ed9c. C\u00f3 ba l\u0129nh v\u1ef1c v\u1edbi c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nhau m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n ch\u00fa \u00fd.<\/span><\/p>\n

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