{"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":"<p><span style=\"font-weight: 400;\">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><a href=\"https:\/\/innotech-vn.com\/reliable-digital-banking-transformation-consultant-in-vietnam\/\"><b> Digital bank developer<\/b><\/a><span style=\"font-weight: 400;\">, ch\u00fang t\u00f4i \u0111\u00e3 x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c <a href=\"https:\/\/innotech-vn.com\/6-nhan-to-de-xay-dung-thanh-cong-digital-banking\/\"><strong>s\u00e1u nh\u00e2n t\u1ed1 \u0111\u1ec3 x\u00e2y d\u1ef1ng digital banking th\u00e0nh c\u00f4ng.<\/strong><\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><strong>6 nh\u00e2n t\u1ed1 gi\u00fap x\u00e2y d\u1ef1ng digital banking th\u00e0nh c\u00f4ng<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<h3><b>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<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">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><span style=\"font-weight: 400;\"> 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><span style=\"font-weight: 400;\">. \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<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><i><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"aligncenter wp-image-9278 size-full\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-1.jpg\" alt=\"C\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.\" width=\"80%\" srcset=\"https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-1.jpg 749w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-1-300x195.jpg 300w\" sizes=\"(max-width: 749px) 100vw, 749px\" \/>C\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<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">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<p><span style=\"font-weight: 400;\">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><span style=\"font-weight: 400;\">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><span style=\"font-weight: 400;\">, 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<p>&nbsp;<\/p>\n<h3><b>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<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Vi\u1ec7c tri\u1ec3n khai th\u00e0nh c\u00f4ng ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u1ec1<\/span>\u00a0<a href=\"https:\/\/innotech-vn.com\/reliable-digital-banking-transformation-consultant-in-vietnam\/\"><b>digital banking transformation<\/b><\/a><span style=\"font-weight: 400;\"> \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<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><i><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"wp-image-9280 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-2.jpg\" alt=\"Y\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.\" width=\"80%\" srcset=\"https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-2.jpg 1024w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-2-300x188.jpg 300w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-2-768x480.jpg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>Y\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<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">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<p>&nbsp;<\/p>\n<h3><b>3 . T\u1ed5 ch\u1ee9c s\u00e1ng t\u1ea1o, linh ho\u1ea1t v\u00e0 t\u1ed1c \u0111\u1ed9:<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\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<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><b>H\u1ee3p t\u00e1c gi\u1eefa c\u00e1c nh\u00f3m<\/b><span style=\"font-weight: 400;\">:\u00a0<\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Nh\u1eefng nh\u00f3m x\u00e2y d\u1ef1ng c\u1ed1t l\u00f5i cho l\u0129nh v\u1ef1c digital banking ph\u1ea3i c\u00f3 hi\u1ec3u bi\u1ebft v\u1eefng ch\u1eafc kh\u00f4ng ch\u1ec9 v\u1ec1 ki\u1ebfn tr\u00fac c\u00f4ng ngh\u1ec7 m\u1edbi m\u00e0 c\u00f2n v\u1ec1 thi\u1ebft k\u1ebf v\u00e0 th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 t\u00ednh kinh t\u1ebf c\u1ee7a m\u00f4 h\u00ecnh kinh doanh c\u1ee7a ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m c\u00e1c th\u00e0nh vi\u00ean l\u00e0m vi\u1ec7c to\u00e0n th\u1eddi gian, c\u0169ng nh\u01b0 t\u00e0i n\u0103ng l\u00e0m vi\u1ec7c trong c\u00e1c l\u0129nh v\u1ef1c quan tr\u1ecdng, ph\u00f9 h\u1ee3p v\u1edbi v\u1ecb tr\u00ed.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><i><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"alignnone wp-image-9282 size-full\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-3.jpg\" alt=\"H\u1ee3p t\u00e1c l\u00e0m vi\u1ec7c gi\u1eefa c\u00e1c nh\u00f3m \u0111\u1ec3 t\u1ea1o ra m\u1ed9t k\u1ebft qu\u1ea3 nh\u01b0 mong \u0111\u1ee3i.\" width=\"100%\" srcset=\"https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-3.jpg 1486w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-3-300x218.jpg 300w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-3-1024x744.jpg 1024w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-3-768x558.jpg 768w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-3-1320x959.jpg 1320w\" sizes=\"(max-width: 1486px) 100vw, 1486px\" \/>H\u1ee3p t\u00e1c l\u00e0m vi\u1ec7c gi\u1eefa c\u00e1c nh\u00f3m \u0111\u1ec3 t\u1ea1o ra m\u1ed9t k\u1ebft qu\u1ea3 nh\u01b0 mong \u0111\u1ee3i.<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u00a0Qua \u0111\u00e2y, c\u00e1c nh\u00f3m x\u00e2y d\u1ef1ng c\u00f3 th\u1ec3 d\u1ea7n d\u1ea7n m\u1edf r\u1ed9ng quy m\u00f4 \u0111\u1ec3 n\u1ea1p th\u00eam nh\u00e2n vi\u00ean t\u1eeb c\u00e1c b\u1ed9 ph\u1eadn c\u00f4ng ngh\u1ec7. V\u00ed d\u1ee5, ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 Activobank c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i B\u1ed3 \u0110\u00e0o Nha b\u1eaft \u0111\u1ea7u v\u1edbi m\u1ed9t \u0111\u1ed9i ng\u0169 qu\u1ea3n l\u00fd t\u1eeb 6 \u0111\u1ebfn 8 ng\u01b0\u1eddi trong qu\u00e1 tr\u00ecnh thi\u1ebft k\u1ebf m\u00f4 h\u00ecnh kinh doanh k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 sau \u0111\u00f3 m\u1edf r\u1ed9ng l\u00ean h\u01a1n 30 trong qu\u00e1 tr\u00ecnh tri\u1ec3n khai (kh\u00f4ng bao g\u1ed3m c\u00e1c vai tr\u00f2 \u0111i\u1ec1u h\u00e0nh \/ d\u00e2y chuy\u1ec1n ho\u1ea1t \u0111\u1ed9ng).<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><b>M\u1ed9t m\u00f4i tr\u01b0\u1eddng l\u00e0m vi\u1ec7c \u2018gi\u1ed1ng garage\u2019:<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Tr\u00ean th\u1ef1c t\u1ebf, \u201cgarage\u201d \u0111\u01b0\u1ee3c xem l\u00e0 kh\u00f4ng gian kh\u00f4ng quan tr\u1ecdng, nh\u01b0ng \u0111\u00f3 c\u0169ng l\u00e0 m\u1ed9t kh\u00f4ng gian cung c\u1ea5p m\u00f4i tr\u01b0\u1eddng nu\u00f4i d\u01b0\u1ee1ng t\u01b0 duy, s\u00e1ng t\u1ea1o v\u00e0 nguy\u00ean m\u1eabu. C\u00f3 ngh\u0129a l\u00e0, \u0111\u00e2y l\u00e0 kh\u00f4ng gian m\u1edf, c\u00f3 nhi\u1ec1u b\u1ea3ng tr\u1eafng v\u00e0 b\u00e0n l\u00e0m vi\u1ec7c, n\u01a1i m\u1ecdi ng\u01b0\u1eddi c\u00f3 th\u1ec3 t\u1ee5 h\u1ecdp v\u00e0 l\u00e0m vi\u1ec7c c\u00f9ng nhau, c\u0169ng nh\u01b0 nh\u1eefng th\u00f3i quen c\u00f3 th\u1ec3 th\u00fac \u0111\u1ea9y s\u1ef1 \u0111\u1ed5i m\u1edbi, ch\u1eb3ng h\u1ea1n nh\u01b0, c\u00e1i g\u1ecdi l\u00e0 ch\u1ea1y n\u01b0\u1edbc r\u00fat. Trong giai \u0111o\u1ea1n ch\u1ea1y n\u01b0\u1edbc r\u00fat n\u00e0y, t\u1ea5t c\u1ea3 c\u00e1c c\u00e1 nh\u00e2n li\u00ean quan \u0111\u1ebfn vi\u1ec7c ph\u00e1t tri\u1ec3n digital banking- nh\u00e0 ph\u00e1t tri\u1ec3n, b\u1ea3o m\u1eadt CNTT, tu\u00e2n th\u1ee7, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro v\u00e0 nh\u00e2n vi\u00ean marketing t\u00ecm hi\u1ec3u nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng &#8211; t\u1eadp trung l\u1ea1i trong m\u1ed9t ph\u00f2ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n nhi\u1ec1u c\u00f4ng vi\u1ec7c \u0111\u1ed9ng n\u00e3o. Thay v\u00ec trao \u0111\u1ed5i qua l\u1ea1i m\u1ea5t th\u1eddi gian x\u1ea3y ra gi\u1eefa c\u00e1c b\u1ed9 ph\u1eadn, th\u00ec \u0111i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn vi\u1ec7c \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh nhanh ch\u00f3ng v\u00e0 hi\u1ec7u qu\u1ea3 v\u1ec1 c\u00e1c th\u00f4ng s\u1ed1 k\u1ef9 thu\u1eadt c\u1ee7a s\u1ea3n ph\u1ea9m. Qu\u00e1 tr\u00ecnh n\u00e0y th\u1ef1c s\u1ef1 c\u00f3 th\u1ec3 mang l\u1ea1i s\u1ef1 t\u0103ng t\u1ed1c cho vi\u1ec7c ch\u1ea1y n\u01b0\u1edbc r\u00fat \u2014 t\u1eeb b\u1ea3ng tr\u1eafng \u0111\u1ebfn nh\u1eefng ho\u1ea1t \u0111\u1ed9ng t\u1ea1o s\u1ea3n ph\u1ea9m &#8211; c\u00f3 th\u1ec3 di\u1ec5n ra \u00edt nh\u1ea5t b\u1ed1n tu\u1ea7n. B\u00ecnh qu\u00e2n, c\u00e1c c\u00f4ng ty th\u01b0\u1eddng nh\u1eadn th\u1ea5y \u0111\u01b0\u1ee3c n\u0103ng su\u1ea5t ph\u00e1t tri\u1ec3n cao h\u01a1n 27 %. V\u00ed d\u1ee5 nh\u01b0, Orange Bank m\u1ea5t kho\u1ea3ng t\u00e1m th\u00e1ng, t\u1eeb chi\u1ebfn l\u01b0\u1ee3c ra m\u1eaft phi\u00ean b\u1ea3n 1.0 c\u1ee7a d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a m\u00ecnh, \u01b0u ti\u00ean th\u1eddi gian ti\u1ebfp th\u1ecb v\u00e0 h\u1ea1n ch\u1ebf c\u00e1c thay \u0111\u1ed5i c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng c\u1ed1t l\u00f5i. Ngo\u00e0i ra, h\u1ecd c\u00f3 th\u1ec3 nhanh ch\u00f3ng m\u1edf r\u1ed9ng quy m\u00f4, c\u00f3 \u0111\u01b0\u1ee3c t\u1edbi 800.000 kh\u00e1ch h\u00e0ng trong 8 th\u00e1ng \u0111\u1ea7u ho\u1ea1t \u0111\u1ed9ng. Y\u00eau c\u1ea7u quan tr\u1ecdng v\u00e0 l\u1ee3i th\u1ebf c\u1ee7a y\u1ebfu t\u1ed1 n\u00e0y \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng l\u00e0 cho ph\u00e9p nh\u00e2n vi\u00ean tu\u00e2n th\u1ee7 v\u00e0 c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro s\u1edbm v\u00e0 \u0111\u1ea3m nh\u1eadn vai tr\u00f2 c\u1ee7a ng\u01b0\u1eddi h\u1ed7 tr\u1ee3 v\u00e0 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1, c\u0169ng gi\u1ed1ng nh\u01b0 nh\u1eefng ng\u01b0\u1eddi g\u00e1c c\u1ed5ng, h\u1ecd th\u01b0\u1eddng l\u1eb7p l\u1ea1i c\u00e1c k\u1ebf ho\u1ea1ch sau khi h\u1ecd \u0111\u00e3 ho\u00e0n th\u00e0nh ho\u1eb7c th\u1eadm ch\u00ed l\u00e0 l\u00e0m r\u1ea5t t\u1ed1t.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><b>Nh\u00f3m trung t\u00e2m \u2018control tower\u2019:<\/b><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Vi\u1ec7c ra m\u1eaft digital banking l\u00e0 m\u1ed9t h\u00e0nh \u0111\u1ed9ng ng\u1eabu nhi\u00ean, v\u1edbi nhi\u1ec1u d\u1ef1 \u00e1n nh\u1ecf ch\u1ea1y c\u00f9ng l\u00fac, ch\u1eb3ng h\u1ea1n nh\u01b0 th\u1ebb t\u00edn d\u1ee5ng m\u1edbi, c\u00e1c quy\u1ebft \u0111\u1ecbnh v\u1ec1 tuy\u1ec3n d\u1ee5ng, ph\u00e1t tri\u1ec3n c\u01a1 c\u1ea5u t\u1ed5 ch\u1ee9c v\u00e0 t\u1ea1o d\u1ef1ng th\u01b0\u01a1ng hi\u1ec7u. Nhi\u1ec7m v\u1ee5 c\u1ee7a nh\u00f3m control tower l\u00e0 \u0111\u1ea3m b\u1ea3o t\u1ea5t c\u1ea3 c\u00e1c d\u1ef1 \u00e1n n\u00e0y \u0111\u01b0\u1ee3c \u0111i\u1ec1u ph\u1ed1i b\u1eb1ng c\u00e1ch chuy\u1ec3n ngu\u1ed3n l\u1ef1c \u0111\u1ebfn c\u00e1c nh\u00f3m c\u1ea7n thi\u1ebft m\u1ed9t c\u00e1ch nhanh ch\u00f3ng ho\u1eb7c \u01b0u ti\u00ean c\u00e1c s\u00e1ng t\u1ea1o \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c m\u1ee5c ti\u00eau v\u1ec1 th\u1eddi gian. Nh\u00f3m c\u1ea7n ph\u1ea3i l\u00e0m vi\u1ec7c \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c \u0111i\u1ec3m b\u1ecb ngh\u1ebdn l\u1ea1i\u2014 ch\u1eb3ng h\u1ea1n nh\u01b0, c\u00e1c nh\u00e0 cung c\u1ea5p ph\u1ea3n h\u1ed3i kh\u00f4ng \u0111\u1ee7 nhanh v\u1edbi c\u00e1c y\u00eau c\u1ea7u ho\u1eb7c CNTT kh\u00f4ng c\u00f3 \u0111\u1ee7 dung l\u01b0\u1ee3ng l\u01b0u tr\u1eef cho d\u1eef li\u1ec7u v\u00e0 sau \u0111\u00f3, v\u1ea5n \u0111\u1ec1 n\u00e0y nhanh ch\u00f3ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft ho\u1eb7c chuy\u1ec3n v\u1ea5n \u0111\u1ec1 l\u00ean gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh ho\u1eb7c h\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">C\u00e1c th\u00e0nh vi\u00ean c\u1ee7a nh\u00f3m n\u00e0y ph\u1ea3i l\u00e0 nh\u1eefng nh\u00e0 qu\u1ea3n l\u00fd d\u1ef1 \u00e1n chuy\u00ean nghi\u1ec7p, c\u00f3 kinh nghi\u1ec7m \u0111i\u1ec1u h\u00e0nh c\u00e1c d\u1ef1 \u00e1n quy m\u00f4 l\u1edbn, m\u1ee9c \u0111\u1ed9 th\u00edch nghi cao v\u1edbi kh\u1ea3 n\u0103ng ph\u00e1t tri\u1ec3n nhanh v\u00e0 kh\u1ea3 n\u0103ng ch\u1ea1y n\u01b0\u1edbc r\u00fat, ki\u1ebfn th\u1ee9c l\u00e0m vi\u1ec7c t\u1ed1t v\u00e0 hi\u1ec3u r\u00f5 v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 quy \u0111\u1ecbnh.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>4. T\u1ea1o ra m\u1ed9t h\u1ec7 sinh th\u00e1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c:<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Vi\u1ec7c tri\u1ec3n khai th\u00e0nh c\u00f4ng m\u1ed9t ho\u1ea1t \u0111\u1ed9ng kinh doanh digital banking m\u1edbi \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t l\u01b0\u1ee3ng l\u1edbn kh\u00e1ch h\u00e0ng quan tr\u1ecdng. Hai ng\u00e0nh c\u00f3 s\u1ed1 l\u01b0\u1ee3ng l\u1edbn kh\u00e1ch h\u00e0ng v\u1ec1 l\u0129nh v\u1ef1c digital banking c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 cho ho\u1ea1t \u0111\u1ed9ng n\u00e0y l\u00e0 th\u1ecb tr\u01b0\u1eddng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 vi\u1ec5n th\u00f4ng. Nh\u1eefng ng\u01b0\u1eddi s\u1eed d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed c\u00f3 th\u1ec3 l\u00e0 nh\u1eefng \u0111\u1ed1i t\u00e1c h\u1eefu \u00edch v\u00ec h\u1ecd t\u1ea1o c\u01a1 h\u1ed9i cho c\u00e1c ng\u00e2n h\u00e0ng, t\u1ea1o ra c\u00e1c d\u1ecbch v\u1ee5 cho vay cho kh\u00e1ch h\u00e0ng c\u1ee7a trang web, cho c\u1ea3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 ng\u01b0\u1eddi b\u00e1n v\u1eeba v\u00e0 nh\u1ecf. Ng\u01b0\u1eddi d\u00f9ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed c\u0169ng nh\u1eadn \u0111\u01b0\u1ee3c l\u1ee3i \u00edch r\u00f5 r\u00e0ng v\u00ec kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn ngu\u1ed3n t\u00e0i ch\u00ednh d\u1ec5 d\u00e0ng tr\u00ean trang th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, l\u00e0 s\u1ef1 l\u00f4i k\u00e9o c\u00e1c doanh nghi\u1ec7p nh\u1ecf \u0111ang ph\u00e1t tri\u1ec3n nhanh, h\u1ea1n ch\u1ebf v\u1ec1 v\u1ed1n b\u00e1n h\u00e0ng l\u01b0u \u0111\u1ed9ng tr\u00ean trang web \u0111\u00f3.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><i><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"alignnone wp-image-9284 size-full\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-4.jpg\" alt=\"H\u1ec7 sinh th\u00e1i \u0111\u1ed1i t\u00e1c trong kinh doanh digital\" width=\"100%\" srcset=\"https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-4.jpg 1135w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-4-300x189.jpg 300w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-4-1024x644.jpg 1024w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-4-768x483.jpg 768w\" sizes=\"(max-width: 1135px) 100vw, 1135px\" \/>H\u1ec7 sinh th\u00e1i \u0111\u1ed1i t\u00e1c trong kinh doanh digital<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">T\u01b0\u01a1ng t\u1ef1, n\u1ebfu ng\u01b0\u1eddi ti\u00eau d\u00f9ng x\u00e1c \u0111\u1ecbnh r\u00f5 v\u1ec1 ngu\u1ed3n t\u00e0i ch\u00ednh, h\u1ecd s\u1ebd quy\u1ebft \u0111\u1ecbnh mua c\u00e1c m\u1eb7t h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng c\u1ee7a h\u1ecd, v\u00ed d\u1ee5 nh\u01b0 t\u1ee7 l\u1ea1nh ho\u1eb7c TV.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Th\u00e0nh c\u00f4ng c\u1ee7a Alibaba\u2019s Ant Financial t\u1ea1i Trung Qu\u1ed1c l\u00e0 ph\u1ee5c v\u1ee5 c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 \u0111\u00e3 ph\u00e1t tri\u1ec3n th\u00e0nh m\u1ed9t doanh nghi\u1ec7p tr\u1ecb gi\u00e1 20 t\u1ef7 \u0111\u00f4 la trong hai n\u0103m, ch\u1ee9ng minh gi\u00e1 tr\u1ecb c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng \/ li\u00ean minh th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed. Cung c\u1ea5p nh\u1eefng c\u00e1ch \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c kho\u1ea3n vay, Ant Financial \u0111\u00e3 nhanh ch\u00f3ng tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng c\u00f4ng ty cho vay l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p nh\u1ecf \u1edf Trung Qu\u1ed1c. M\u1eb7c d\u00f9 Ant Financial hi\u1ec7n thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a Alibaba, nh\u01b0ng l\u00fac \u0111\u1ea7u n\u00f3 kh\u1edfi nghi\u1ec7p nh\u01b0 m\u1ed9t m\u1ed1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi CCB v\u00e0 ICBC v\u00e0o n\u0103m 2007.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>5. X\u00e2y d\u1ef1ng m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng CNTT theo hai h\u01b0\u1edbng:<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u1ec3 tri\u1ec3n khai ph\u01b0\u01a1ng ph\u00e1p th\u1eed nghi\u1ec7m &#8211; h\u1ecdc h\u1ecfi v\u00e0 c\u00e1c th\u1eddi \u0111i\u1ec3m ph\u00e1t h\u00e0nh quan tr\u1ecdng \u0111\u1ec3 kh\u1edfi \u0111\u1ea7u v\u00e0 v\u1eadn h\u00e0nh digital banking trong c\u1ea1nh tranh, c\u1ea7n c\u00f3 hai h\u1ec7 th\u1ed1ng CNTT kh\u00e1c nhau nh\u01b0ng \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p b\u1edfi giao d\u1ecbch k\u1ebf th\u1eeba truy\u1ec1n th\u1ed1ng, tuy n\u00f3 ch\u1eadm h\u01a1n nh\u01b0ng an to\u00e0n v\u00e0 \u1ed5n \u0111\u1ecbnh. Thi\u1ebft k\u1ebf giao di\u1ec7n ng\u01b0\u1eddi d\u00f9ng nhanh ch\u00f3ng, linh ho\u1ea1t, l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Giao di\u1ec7n ng\u01b0\u1eddi d\u00f9ng c\u1ee7a kh\u00e1ch h\u00e0ng n\u00ean \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf b\u1edfi c\u00e1c nh\u00f3m s\u1ea3n ph\u1ea9m nh\u1ecf, nhanh nh\u1eb9n (th\u01b0\u1eddng \u00edt h\u01a1n m\u01b0\u1eddi ng\u01b0\u1eddi) b\u1eb1ng c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ph\u00e1t tri\u1ec3n nhanh, d\u1ef1a tr\u00ean h\u00ecnh th\u1ee9c ch\u1ea1y n\u01b0\u1edbc r\u00fat. Qu\u00e1 tr\u00ecnh ph\u00e1t h\u00e0nh ph\u1ea7n m\u1ec1m cho c\u00e1c y\u1ebfu t\u1ed1 h\u01b0\u1edbng t\u1edbi kh\u00e1ch h\u00e0ng n\u00e0y ph\u1ea3i theo m\u00f4-\u0111un v\u00e0 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 tri\u1ec3n khai nhanh ch\u00f3ng, \u01b0u ti\u00ean gi\u1ea3i ph\u00e1p kh\u1ea3 thi v\u00e0 th\u1eddi gian ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u1ec3 gi\u1ea3m th\u1eddi gian c\u1ea7n thi\u1ebft khi x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng theo 2 h\u01b0\u1edbng, c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng k\u1ebft h\u1ee3p c\u00e1c ch\u1ee9c n\u0103ng t\u00f9y ch\u1ec9nh v\u00e0 s\u1eb5n c\u00f3. M\u1ed9t digital player m\u1edbi \u0111\u00e3 k\u1ebft h\u1ee3p c\u00e1c ch\u1ee9c n\u0103ng hi\u1ec7n c\u00f3 t\u1eeb nh\u00e0 cung c\u1ea5p, ch\u1eb3ng h\u1ea1n nh\u01b0 v\u1edbi thanh to\u00e1n ngang h\u00e0ng, c\u00f3 c\u00e1c t\u00ednh n\u0103ng m\u1edbi m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng quan t\u00e2m nh\u01b0ng h\u1ecd kh\u00f4ng c\u00f3 nhi\u1ec1u quy\u1ec1n truy c\u1eadp, c\u00e1c m\u00f4-\u0111un t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 gi\u00fap h\u1ecd theo d\u00f5i chi ph\u00ed c\u1ee7a m\u00ecnh v\u00e0 \u0111\u1eb7t m\u1ee5c ti\u00eau ti\u1ebft ki\u1ec7m.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Trong ph\u1ea1m vi ki\u1ebfn \u200b\u200btr\u00fac CNTT v\u00e0 khu\u00f4n kh\u1ed5 quy \u0111\u1ecbnh cho ph\u00e9p, m\u00f4 h\u00ecnh chi ph\u00ed thay \u0111\u1ed5i n\u00ean \u0111\u01b0\u1ee3c xem x\u00e9t, ch\u1eb3ng h\u1ea1n nh\u01b0 h\u1ec7 th\u1ed1ng <\/span><span style=\"font-weight: 400;\">gi\u1ea3i ph\u00e1p cloud <\/span><span style=\"font-weight: 400;\">ho\u1eb7c c\u00e1c gi\u1ea3i ph\u00e1p l\u01b0u tr\u1eef d\u1eef li\u1ec7u. M\u1ed9t s\u1ed1 nh\u00e0 cung c\u1ea5p gi\u1ea3i ph\u00e1p \u0111ang m\u1edf r\u1ed9ng sang c\u00e1c th\u1ecb tr\u01b0\u1eddng m\u1edbi n\u1ed5i \u0111\u1ec3 cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p thay th\u1ebf, c\u1ea1nh tranh cho c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 truy\u1ec1n th\u1ed1ng c\u00f3 v\u1ed1n \u0111\u1ea7u t\u01b0 cao. Vi\u1ec7c \u00e1p d\u1ee5ng <\/span><a href=\"https:\/\/innotech-vn.com\/product\/cloud-based-human-resource-management\/\"><strong>cloud-based solution<\/strong><\/a><span style=\"font-weight: 400;\"> cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng k\u1ef9 thu\u1eadt s\u1ed1 m\u1edf r\u1ed9ng chi ph\u00ed c\u00f9ng v\u1edbi doanh thu, do \u0111\u00f3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee9c h\u00f2a v\u1ed1n nhanh h\u01a1n. N\u00f3 c\u0169ng b\u1ed5 sung t\u00ednh linh ho\u1ea1t, \u0111\u1eb7c bi\u1ec7t n\u1ebfu ki\u1ebfn \u200b\u200btr\u00fac \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf b\u1edfi <\/span><b>c\u00e1c API m\u1edf<\/b><span style=\"font-weight: 400;\">, n\u00f3 cho ph\u00e9p h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7 &#8211; t\u00e0i ch\u00ednh ti\u1ec1m n\u0103ng <\/span><span style=\"font-weight: 400;\">d\u1ef1a tr\u00ean cloud.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>6. S\u00e1ng t\u1ea1o c\u00f9ng v\u1edbi Marketing:<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><i><span style=\"font-weight: 400;\"><img decoding=\"async\" class=\"wp-image-9286 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-5.jpg\" alt=\"S\u00e1ng t\u1ea1o c\u00f9ng marketing\" width=\"100%\" srcset=\"https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-5.jpg 900w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-5-300x244.jpg 300w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/09\/6-nhan-to-xay-dung-thanh-cong-digital-banking-5-768x625.jpg 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>S\u00e1ng t\u1ea1o c\u00f9ng marketing<\/span><\/i><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">V\u00ec c\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 s\u1eed d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1 n\u00ean kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng thu h\u00fat kh\u00e1ch h\u00e0ng gi\u1ed1ng nh\u01b0 c\u00e1c <\/span><span style=\"font-weight: 400;\">legacy bank<\/span><span style=\"font-weight: 400;\"> c\u00f3 nhi\u1ec1u chi nh\u00e1nh, cho n\u00ean chi ph\u00ed ch\u00ednh l\u00e0 chi cho marketing, chi\u1ebfm 25 \u0111\u1ebfn 35% t\u1ed5ng chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng. \u0110i\u1ec1u n\u00e0y \u0111\u00fang v\u1edbi c\u00e1c <\/span><span style=\"font-weight: 400;\">legacy bank<\/span><span style=\"font-weight: 400;\">, t\u1ea1o ra <\/span>c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p k\u1ef9 thu\u1eadt s\u1ed1<span style=\"font-weight: 400;\">, b\u1edfi v\u00ec c\u00e1c c\u00f4ng ty m\u1edbi ph\u1ea3i ph\u00e2n bi\u1ec7t r\u00f5 th\u01b0\u01a1ng hi\u1ec7u v\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a h\u1ecd v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty l\u1edbn n\u1ebfu h\u1ecd mu\u1ed1n th\u00e0nh c\u00f4ng. C\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 s\u1eed d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1 th\u00ec c\u00f3 th\u1ec3 s\u1ebd nh\u1eafm \u0111\u1ebfn \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng tr\u1ebb h\u01a1n, v\u00ec h\u1ecd hi\u1ec3u bi\u1ebft v\u1ec1 k\u1ef9 thu\u1eadt s\u1ed1 h\u01a1n. V\u00ed d\u1ee5 nh\u01b0 AirBank, ng\u00e2n h\u00e0ng n\u00e0y ra m\u1eaft t\u1ea1i C\u1ed9ng h\u00f2a S\u00e9c m\u00e0 kh\u00f4ng c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n t\u1ea1i, ng\u00e2n h\u00e0ng n\u00e0y t\u1ef1 g\u1eafn th\u1ebb m\u00ecnh l\u00e0 \u201c<\/span><span style=\"font-weight: 400;\">N<\/span><span style=\"font-weight: 400;\">h\u1eefng ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean b\u1ea1n s\u1ebd th\u00edch\u201d v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng m\u1ecdi th\u00f4ng tin li\u00ean l\u1ea1c c\u1ee7a kh\u00e1ch h\u00e0ng <\/span><span style=\"font-weight: 400;\">\u0111\u01b0\u1ee3c b\u1ea3o m\u1eadt v\u00e0 n\u00eau r\u00f5 t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed trong b\u1ea3ng sao k\u00ea.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u1ec3 tuy\u00ean truy\u1ec1n v\u1ec1 c\u00e1c \u0111i\u1ec3m b\u00e1n h\u00e0ng kh\u00e1c nhau c\u00f3 hi\u1ec7u qu\u1ea3 v\u1ec1 chi ph\u00ed, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i trao \u0111\u1ed5i v\u1ec1 c\u00e1c khuy\u1ebfn ngh\u1ecb v\u00e0 ph\u1ea3n h\u1ed3i th\u00f4ng qua ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng x\u00e3 h\u1ed9i. \u0110i\u1ec1u n\u00e0y \u0111\u00f2i h\u1ecfi c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i theo \u0111u\u1ed5i kh\u00e1ch h\u00e0ng theo c\u00e1ch c\u00f3 m\u1ee5c ti\u00eau h\u01a1n nhi\u1ec1u, c\u00f9ng v\u1edbi s\u1ef1 hi\u1ec3u bi\u1ebft v\u1ec1 t\u1ed1i \u0111a h\u00f3a gi\u00e1 tr\u1ecb theo s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 n\u01a1i ch\u1ed1n (nh\u01b0 l\u00e0 Twitter \u1edf Jakarta v\u00e0 WeChat \u1edf Trung Qu\u1ed1c) v\u00e0 c\u00e1c nh\u00f3m kh\u00e1ch h\u00e0ng c\u1ee5 th\u1ec3.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">M\u1ed9t v\u00ed d\u1ee5 v\u1ec1 marketing \u0111\u1eb7c bi\u1ec7t s\u00e1ng t\u1ea1o l\u00e0 qu\u1ea3ng c\u00e1o m\u00e0 \u1ee9ng d\u1ee5ng c\u1eadp nh\u1eadt th\u00e0nh c\u00f4ng tr\u00ean WeChat c\u1ee7a Tencent \u1edf Trung Qu\u1ed1c \u0111\u00e3 ch\u1ea1y trong k\u1ef3 ngh\u1ec9 T\u1ebft Nguy\u00ean \u0111\u00e1n n\u0103m 2014. \u0110\u1ec3 qu\u1ea3ng b\u00e1 d\u1ecbch v\u1ee5 Thanh to\u00e1n WeChat, cho ph\u00e9p chuy\u1ec3n kho\u1ea3n ngang h\u00e0ng v\u00e0 thanh to\u00e1n h\u00f3a \u0111\u01a1n \u0111i\u1ec7n t\u1eed, c\u00f4ng ty \u0111\u00e3 tung ra m\u1ed9t \u1ee9ng d\u1ee5ng cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng g\u1eedi m\u1ed9t s\u1ed1 ti\u1ec1n c\u1ee5 th\u1ec3 cho m\u1ed9t s\u1ed1 l\u01b0\u1ee3ng b\u1ea1n b\u00e8 nh\u1ea5t \u0111\u1ecbnh, v\u1edbi \u1ee9ng d\u1ee5ng n\u00e0y, c\u00f3 th\u1ec3 ch\u1ec9 \u0111\u1ecbnh s\u1ed1 ti\u1ec1n m\u1ed9t c\u00e1ch ng\u1eabu nhi\u00ean. \u0110\u1ec3 \u0111\u1ed5i v\u00e0 xem s\u1ed1 ti\u1ec1n b\u1ea1n \u0111\u00e3 \u0111\u01b0\u1ee3c g\u1eedi, ng\u01b0\u1eddi nh\u1eadn ph\u1ea3i \u0111\u0103ng k\u00fd t\u00e0i kho\u1ea3n WeChat. Phong b\u00ec \u1ea3o c\u1ee7a WeChat \u0111\u00e3 tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn v\u00ec ch\u00fang \u0111\u00e3 t\u1ea1o ra y\u1ebfu t\u1ed1 b\u1ea5t ng\u1edd v\u00e0o ch\u01b0\u01a1ng tr\u00ecnh t\u1eb7ng qu\u00e0 b\u1eb1ng phong bao l\u00ec x\u00ec trong n\u0103m m\u1edbi. Ch\u1ec9 trong hai ng\u00e0y, c\u00f4ng ty \u0111\u00e3 c\u00f3 200 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng hi\u1ec7n t\u1ea1i v\u00e0 ng\u01b0\u1eddi d\u00f9ng m\u1edbi, li\u00ean k\u1ebft th\u1ebb ng\u00e2n h\u00e0ng v\u1edbi t\u00e0i kho\u1ea3n c\u1ee7a h\u1ecd, m\u1ed9t k\u1ef3 t\u00edch m\u1ea5t th\u1eddi gian t\u00e1m n\u0103m c\u1ee7a Alibaba\u2019s Alipay.<\/span><\/p>\n<hr \/>\n<p>T\u1ea1i\u00a0<a href=\"https:\/\/innotech-vn.com\/\"><b>Innotech Vietnam<\/b><\/a>, ch\u00fang t\u00f4i cung c\u1ea5p nhi\u1ec1u d\u1ecbch v\u1ee5 v\u1ec1 ph\u1ea7n m\u1ec1m v\u1edbi vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn, gi\u1ea3i ph\u00e1p s\u00e1ng t\u1ea1o \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u00e0 mong \u0111\u1ee3i t\u1eeb kh\u00e1ch h\u00e0ng. Ch\u00fang t\u00f4i lu\u00f4n \u0111\u1eb7t ch\u1ea5t l\u01b0\u1ee3ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 l\u00ean h\u00e0ng \u0111\u1ea7u v\u1edbi \u0111\u1ed9i ng\u0169 chuy\u00ean nghi\u1ec7p v\u00e0 gi\u00e0u kinh nghi\u1ec7m \u0111\u1ec3 c\u00f3 th\u1ec3 mang l\u1ea1i gi\u00e1 tr\u1ecb t\u1ed1t nh\u1ea5t cho kh\u00e1ch h\u00e0ng.<\/p>\n<p>B\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t gi\u1ea3i ph\u00e1p v\u1ec1 <a href=\"https:\/\/innotech-vn.com\/software-development\/digital-banking-solutions\/\"><strong>Digital banking development<\/strong><\/a>, h\u00e3y li\u00ean h\u1ec7 v\u1edbi c\u00e1c chuy\u00ean gia c\u1ee7a Innotech \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u1ec1 case study c\u1ee7a m\u00ecnh.<\/p>\n<p>Email:\u00a0<a href=\"mailto:info@innotech-vn.com\">info@innotech-vn.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>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 Digital bank developer, 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. &nbsp; 6 nh\u00e2n t\u1ed1 gi\u00fap x\u00e2y d\u1ef1ng digital banking th\u00e0nh c\u00f4ng &nbsp; 1. T\u1eadp trung v\u00e0o y\u1ebfu t\u1ed1 \u201c\u0111\u00e2u [&hellip;]<\/p>","protected":false},"author":7,"featured_media":9324,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[190],"tags":[],"publishpress_future_action":{"enabled":false,"date":"2025-07-02 05:46:50","action":"draft","terms":[],"taxonomy":"category"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/9275"}],"collection":[{"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/comments?post=9275"}],"version-history":[{"count":8,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/9275\/revisions"}],"predecessor-version":[{"id":9327,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/9275\/revisions\/9327"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/media\/9324"}],"wp:attachment":[{"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/media?parent=9275"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/categories?post=9275"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/tags?post=9275"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}