{"id":9292,"date":"2020-09-29T10:37:55","date_gmt":"2020-09-29T10:37:55","guid":{"rendered":"https:\/\/newver.innotech-vn.com\/?p=9292"},"modified":"2024-06-04T17:17:39","modified_gmt":"2024-06-04T10:17:39","slug":"ngan-hang-doi-mat-voi-nhung-thach-thuc-trong-chuyen-doi-so","status":"publish","type":"post","link":"https:\/\/newver.innotech-vn.com\/vie\/ngan-hang-doi-mat-voi-nhung-thach-thuc-trong-chuyen-doi-so\/","title":{"rendered":"Ng\u00e2n h\u00e0ng \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c trong chuy\u1ec3n \u0111\u1ed5i s\u1ed1"},"content":{"rendered":"
Tr\u01b0\u1edbc s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7, \u0111\u00e3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn c\u00e1c l\u0129nh v\u1ef1c kinh t\u1ebf – x\u00e3 h\u1ed9i, trong \u0111\u00f3 c\u00f3 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. T\u00e1c \u0111\u1ed9ng n\u00e0y c\u0169ng \u0111\u00e3 t\u1ea1o ra nh\u1eefng th\u00e1ch th\u1ee9c cho l\u0129nh v\u1ef1c digital transformation in banking<\/strong><\/a> \u1edf Vi\u1ec7t Nam.<\/p>\n Theo s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea c\u1ee7a Vietcombank, c\u00f3 kho\u1ea3ng 94% ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam \u0111ang \u0111\u1ea7u t\u01b0 v\u00e0o s\u1ed1 h\u00f3a v\u00e0 42% trong s\u1ed1 \u0111\u00f3 xem vi\u1ec7c tri\u1ec3n khai k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u.<\/span><\/p>\n D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u00e0i vi\u1ebft t\u1ed5ng h\u1ee3p th\u00f4ng tin v\u1ec1 nh\u1eefng th\u00e1ch th\u1ee9c chuy\u1ec3n \u0111\u1ed5i digital banking<\/strong><\/a> m\u00e0 Innotech Vi\u1ec7t Nam mu\u1ed1n g\u1eedi \u0111\u1ebfn m\u1ecdi ng\u01b0\u1eddi.<\/p>\n <\/p>\n <\/p>\n <\/p>\n Theo nh\u01b0 l\u1eddi c\u00e1c chuy\u00ean gia ph\u00e1t bi\u1ec3u t\u1ea1i m\u1ed9t h\u1ed9i ngh\u1ecb t\u1ea1i TP.HCM h\u00f4m qua cho bi\u1ebft: \u201cNh\u1eefng th\u00e1ch th\u1ee9c li\u00ean quan \u0111\u1ebfn an ninh m\u1ea1ng, l\u00f2ng tin c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 khu\u00f4n kh\u1ed5 ph\u00e1p lu\u1eadt kh\u00f4ng th\u1ecfa \u0111\u00e1ng l\u00e0 nh\u1eefng c\u1ea3n tr\u1edf trong qu\u00e1 tr\u00ecnh digital transformation<\/strong><\/a>\u00a0c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam\u201d.<\/span><\/p>\n Trong h\u1ed9i th\u1ea3o Ng\u00e2n h\u00e0ng Vi\u1ec7t Nam, khi n\u00f3i v\u1ec1 digital transformation in banking<\/strong><\/a>, \u00f4ng L\u00ea Anh D\u0169ng, Ph\u00f3 V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam cho bi\u1ebft: \u201cT\u1ea1i Vi\u1ec7t Nam, c\u00e1c r\u1ee7i ro v\u1ec1 b\u1ea3o m\u1eadt nh\u01b0 gian l\u1eadn, l\u1eeba \u0111\u1ea3o kh\u00e1ch h\u00e0ng, t\u1ea5n c\u00f4ng m\u1ea1ng v\u00e0o c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 d\u1eef li\u1ec7u ng\u01b0\u1eddi d\u00f9ng b\u1ecb r\u00f2 r\u1ec9 \u0111ang t\u0103ng l\u00ean. \u201d<\/span><\/p>\n Theo nh\u01b0 c\u00f4ng ty TNHH Ernst & Young Vi\u1ec7t Nam cho bi\u1ebft, c\u00f3 kho\u1ea3ng 8.319 cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng \u0111\u00e3 x\u1ea3y ra v\u00e0o c\u00e1c ng\u00e2n h\u00e0ng trong n\u0103m ngo\u00e1i v\u00e0 560.000 m\u00e1y t\u00ednh b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi ph\u1ea7n m\u1ec1m \u0111\u1ed9c h\u1ea1i c\u00f3 kh\u1ea3 n\u0103ng \u0111\u00e1nh c\u1eafp th\u00f4ng tin t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng.<\/span><\/p>\n C\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i ch\u1ecbu thi\u1ec7t h\u1ea1i kho\u1ea3ng 642 tri\u1ec7u \u0111\u00f4 la M\u1ef9 do virus m\u00e1y t\u00ednh g\u00e2y ra, trong khi ch\u1ec9 c\u00f3 kho\u1ea3ng 52% kh\u00e1ch h\u00e0ng lo l\u1eafng v\u1ec1 b\u1ea3o m\u1eadt khi s\u1eed d\u1ee5ng online banking.<\/span><\/p>\n \u00d4ng Nguy\u1ec5n H\u01b0ng Nguy\u00ean, Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c D\u1ecbch v\u1ee5 Thanh to\u00e1n Qu\u1ed1c gia Vi\u1ec7t Nam (NAPAS) cho bi\u1ebft: \u201cVi\u1ec7c thi\u1ebfu l\u00f2ng tin c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng l\u00e0 m\u1ed9t tr\u1edf ng\u1ea1i trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1\u201d.<\/span><\/p>\n \u00d4ng Nguy\u00ean c\u00f2n cho bi\u1ebft th\u00eam: \u201cc\u00f3 kho\u1ea3ng 90% kho\u1ea3n thanh to\u00e1n v\u1ec1 giao d\u1ecbch th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua h\u00ecnh th\u1ee9c giao h\u00e0ng tr\u1ea3 ti\u1ec1n m\u1eb7t v\u00ec kh\u00e1ch h\u00e0ng kh\u00f4ng tin t\u01b0\u1edfng v\u00e0o ng\u01b0\u1eddi b\u00e1n v\u00e0 ng\u01b0\u1eddi giao h\u00e0ng.<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n C\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam \u0111ang d\u1ea7n \u0111\u1ea9y m\u1ea1nh c\u1ea3i ti\u1ebfn, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 c\u1ee7a cu\u1ed9c c\u00e1ch m\u1ea1ng 4.0, tri\u1ec3n khai k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0o ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. \u0110\u00f3 l\u00e0 vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u1ebb chip, k\u1ebft h\u1ee3p v\u1edbi ph\u00e1t tri\u1ec3n c\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, h\u01b0\u1edbng \u0111\u1ebfn thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh.<\/span><\/p>\n S\u1ef1 b\u00f9ng n\u1ed5 c\u00f4ng ngh\u1ec7 k\u00e9o theo s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c c\u00f4ng ty Fintech tham gia v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh nh\u01b0: thanh to\u00e1n tr\u00ean \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng (mobile payment apps<\/strong><\/a>) , cho vay tr\u1ef1c tuy\u1ebfn…<\/span><\/p>\n B\u00ean c\u1ea1nh \u0111\u00f3, ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 l\u1ea5y \u00fd ki\u1ebfn t\u1ea1i c\u00e1c cu\u1ed9c h\u1ed9i th\u1ea3o v\u1ec1 ti\u1ec1n di \u0111\u1ed9ng (mobile money), thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, v\u00ed \u0111i\u1ec7n t\u1eed<\/strong><\/a>. Nhi\u1ec1u v\u00ed \u0111i\u1ec7n t\u1eed xu\u1ea5t hi\u1ec7n nh\u01b0 Smartnet, Moca, PAYTECH, Monpay, Momo, Zalopay… chi\u1ebfm \u0111\u1ebfn 80% trong l\u0129nh v\u1ef1c thanh to\u00e1n.<\/span><\/p>\n C\u00e1c h\u1ed9i th\u1ea3o c\u00f2n quy \u0111\u1ecbnh, ti\u1ec1n di \u0111\u1ed9ng (mobile money) l\u00e0 lo\u1ea1i ti\u1ec1n \u0111i\u1ec7n t\u1eed do t\u1ed5 ch\u1ee9c cung c\u1ea5p b\u1edfi c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n trung gian \u0111\u01b0\u1ee3c d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng ph\u00e1t h\u00e0nh v\u00e0 \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u01a1 s\u1edf d\u1eef li\u1ec7u thu\u00ea bao di \u0111\u1ed9ng. Sau khi \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p d\u1ecbch v\u1ee5 mobile money, c\u00e1c thu\u00ea bao di \u0111\u1ed9ng c\u1ee7a Vi\u1ec7t Nam c\u00f3 th\u1ec3 tham gia thanh to\u00e1n \u0111i\u1ec7n t\u1eed.<\/span><\/p>\n <\/p>\n <\/p>\n Gi\u00e1m \u0111\u1ed1c b\u1ed9 ph\u1eadn ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed c\u1ee7a Vietcombank t\u1ea1i TP HCM, b\u00e0 Nguy\u1ec5n Th\u1ecb Thu H\u1eb1ng \u0111\u00e3 \u0111\u1ed3ng \u00fd v\u1edbi Nguy\u00ean v\u1ec1 vi\u1ec7c l\u1ee3i th\u1ebf c\u1ee7a vi\u1ec7c thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t r\u1eb1ng:<\/span><\/p>\n \u201cNg\u01b0\u1eddi Vi\u1ec7t Nam \u0111\u00e3 gi\u1eef th\u00f3i quen thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t t\u1eeb l\u00e2u. Th\u00f3i quen mua h\u00e0ng online \u0111ang d\u1ea7n h\u00ecnh th\u00e0nh nh\u01b0ng \u0111\u1ed1i v\u1edbi h\u00ecnh th\u1ee9c thanh to\u00e1n, ph\u1ed5 bi\u1ebfn nh\u1ea5t v\u1eabn l\u00e0 COD \u201d.<\/span><\/p>\n Theo nh\u01b0 s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea, c\u00f3 kho\u1ea3ng 30% d\u00e2n s\u1ed1 trong c\u1ea3 n\u01b0\u1edbc c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 70% d\u00e2n s\u1ed1 c\u00f3 \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh k\u1ebft n\u1ed1i v\u1edbi Internet. Tuy nhi\u00ean, ch\u1ec9 c\u00f3 20% kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n giao d\u1ecbch tr\u00ean tr\u1ef1c tuy\u1ebfn.<\/span><\/p>\n Ngo\u00e0i ra, m\u00f4 h\u00ecnh cho vay ngang h\u00e0ng (P2P Lending app<\/strong><\/a>) ph\u00e1t tri\u1ec3n nhanh trong khi ch\u01b0a c\u00f3 h\u00e0nh lang ph\u00e1p l\u00fd khi\u1ebfn th\u1ecb tr\u01b0\u1eddng ti\u1ec1m \u1ea9n nhi\u1ec1u r\u1ee7i ro \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111i vay, ng\u01b0\u1eddi cho vay. Theo \u0111\u00f3, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang trong qu\u00e1 tr\u00ecnh x\u00e2y d\u1ef1ng v\u00e0 ho\u00e0n thi\u1ec7n d\u1ef1 th\u1ea3o quy \u0111\u1ecbnh v\u1ec1 cho vay ngang h\u00e0ng t\u1ea1i Vi\u1ec7t Nam.<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n C\u00f3 kho\u1ea3ng 90% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi chia s\u1ebb r\u1eb1ng h\u1ecd v\u1eabn \u0111ang tr\u00ean h\u00e0nh tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 v\u1eabn c\u00f2n ch\u1eb7ng \u0111\u01b0\u1eddng d\u00e0i ph\u1ea3i \u0111i. M\u1ee9c \u0111\u1ed9 s\u1ed1 h\u00f3a l\u00e0 kh\u00e1c nhau gi\u1eefa c\u00e1c doanh nghi\u1ec7p s\u1ea3n xu\u1ea5t.<\/span><\/p>\n T\u1ea5t c\u1ea3 nh\u1eefng ng\u01b0\u1eddi tham kh\u1ea3o s\u00e1t \u0111\u1ec1u n\u00f3i r\u1eb1ng c\u00e1c c\u00f4ng ty c\u1ee7a h\u1ecd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nhi\u1ec1u th\u00e1ch th\u1ee9c. V\u00e0 c\u00e1c th\u00e1ch th\u1ee9c n\u00e0y kh\u00e1 gi\u1ed1ng nhau cho d\u00f9 quy m\u00f4 c\u1ee7a doanh nghi\u1ec7p l\u00e0 kh\u00e1c nhau. <\/span>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c \u0111\u00e1ng \u0111\u01b0\u1ee3c quan t\u00e2m:<\/p>\n <\/p>\n <\/p>\n Theo kh\u1ea3o s\u00e1t c\u1ee7a Jabil, ch\u1ec9 23% doanh nghi\u1ec7p x\u00e1c nh\u1eadn r\u1eb1ng, h\u1ecd c\u00f3 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c to\u00e0n di\u1ec7n cho l\u0129nh v\u1ef1c digital transformation in banking.<\/p>\n Qu\u00e1 tr\u00ecnh digital transformation in banking c\u1ea7n m\u1ed9t k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3, to\u00e0n di\u1ec7n cho to\u00e0n b\u1ed9 doanh nghi\u1ec7p. C\u0169ng gi\u1ed1ng nh\u01b0 m\u1ecdi k\u1ebf ho\u1ea1ch kinh doanh, k\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ea7n \u0111\u01b0\u1ee3c l\u00e0m r\u00f5 t\u1ea7m nh\u00ecn, m\u1ee5c ti\u00eau v\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a c\u00e1c nh\u00f3m l\u00e0m vi\u1ec7c.<\/p>\n Kho\u1ea3ng 38% c\u00e1c doanh nghi\u1ec7p \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t l\u00e0 c\u00f3 \u0111\u01a1n v\u1ecb kinh doanh ho\u1eb7c d\u00f2ng s\u1ea3n ph\u1ea9m ri\u00eang l\u1ebb, d\u1eabn \u0111\u1ea7u v\u1ec1 chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 trong t\u1ed5 ch\u1ee9c ho\u1eb7c ng\u00e0nh c\u1ee7a h\u1ecd.\u00a0 V\u1edbi digital transformation in banking<\/strong><\/a>, n\u00f3 kh\u00f4ng ph\u1ea3i thu\u1ed9c v\u1ec1 m\u1ed9t c\u00e1 nh\u00e2n hay b\u1ed9 ph\u1eadn n\u00e0o. C\u0169ng gi\u1ed1ng nh\u01b0, th\u00e0nh c\u00f4ng ph\u1ea3i \u0111\u1ebfn t\u1eeb s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a to\u00e0n b\u1ed9 t\u1ed5 ch\u1ee9c. V\u00ed d\u1ee5 nh\u01b0, khi c\u00e1c ph\u00f2ng ban \u0111\u01b0\u1ee3c giao nhi\u1ec7m v\u1ee5 th\u1ef1c hi\u1ec7n m\u1ed9t ph\u1ea7n c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1, nh\u01b0ng n\u00f3i chung l\u00e0, to\u00e0n b\u1ed9 doanh nghi\u1ec7p s\u1ebd ph\u1ea3i c\u00f9ng th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ec3 h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau chung.<\/p>\n N\u1ebfu \u0111ang t\u1ef1 h\u1ecfi n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u, doanh nghi\u1ec7p h\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch ngh\u0129 \u0111\u1ebfn c\u00e1c b\u00ean li\u00ean quan c\u00f3 vai tr\u00f2 gi\u00fap cho doanh nghi\u1ec7p t\u1ed3n t\u1ea1i, v\u00ed d\u1ee5 nh\u01b0 kh\u00e1ch h\u00e0ng. Doanh nghi\u1ec7p \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng cho kh\u00e1ch h\u00e0ng. H\u00e3y \u0111\u1ec3 \u0111i\u1ec1u \u0111\u00f3 tr\u1edf th\u00e0nh kim ch\u1ec9 nam tr\u1ea3 l\u1eddi cho c\u00e2u h\u1ecfi: doanh nghi\u1ec7p l\u00e0 ai, l\u00e0m g\u00ec v\u00e0 l\u00e0m th\u1ebf n\u00e0o vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 th\u1ef1c hi\u1ec7n \u0111i\u1ec1u \u0111\u00f3.<\/p>\n <\/p>\n <\/p>\n C\u1ea7n c\u00f3 s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa t\u00e0i n\u0103ng v\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u1ec3 doanh nghi\u1ec7p c\u00f3 th\u1ec3 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 th\u00e0nh c\u00f4ng. Thi\u1ebfu m\u1ed9t trong hai y\u1ebfu t\u1ed1n\u00e0y th\u00ec qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ebd th\u1ea5t b\u1ea1i. N\u1ebfu c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 hi\u1ec7n t\u1ea1i \u0111ang k\u00ecm h\u00e3m doanh nghi\u1ec7p, th\u00ec doanh nghi\u1ec7p c\u1ea7n ph\u1ea3i \u0111\u00e1nh gi\u00e1 l\u1ea1i ch\u1ea5t l\u01b0\u1ee3ng c\u1ee7a c\u00e1c \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7 v\u00e0 nh\u1eefng d\u1ecbch v\u1ee5 h\u1ecd cung c\u1ea5p.<\/p>\n Digital banking development mang \u0111\u1ebfn v\u00f4 s\u1ed1 th\u00e1ch th\u1ee9c v\u1ec1 c\u00f4ng ngh\u1ec7, do \u0111\u00f3 doanh nghi\u1ec7p c\u1ea7n \u0111\u00f3ng vai tr\u00f2 ti\u00ean phong, \u0111\u1ed1i \u0111\u1ea7u v\u00e0 gi\u1ea3i quy\u1ebft c\u00e1c kh\u00f3 kh\u0103n n\u00e0y. Doanh nghi\u1ec7p c\u1ea7n t\u1ed5 ch\u1ee9c c\u00e1c kh\u00f3a \u0111\u00e0o t\u1ea1o, hu\u1ea5n luy\u1ec7n l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng, gi\u00fap h\u1ecd x\u00e2y d\u1ef1ng c\u00e1c k\u1ef9 n\u0103ng c\u1ea7n thi\u1ebft cho s\u1ef1 chuy\u1ec3n \u0111\u1ed5i. B\u1eb1ng c\u00e1ch \u0111\u1ea7u t\u01b0 s\u1edbm v\u00e0o y\u1ebfu t\u1ed1 con ng\u01b0\u1eddi, doanh nghi\u1ec7p m\u1edbi c\u00f3 th\u1ec3 \u0111i tr\u01b0\u1edbc m\u1ed9t b\u01b0\u1edbc trong c\u1ea1nh tranh v\u1edbi \u0111\u1ed1i th\u1ee7.<\/p>\n <\/p>\n <\/p>\n S\u1ebd r\u1ea5t ho\u00e0n h\u1ea3o n\u1ebfu doanh nghi\u1ec7p c\u00f3 m\u1ed9t ngu\u1ed3n t\u00e0i ch\u00ednh v\u00f4 t\u1eadn. Th\u1eadt kh\u00f4ng may, \u0111i\u1ec1u n\u00e0y kh\u00f4ng bao gi\u1edd l\u00e0 s\u1ef1 th\u1eadt. \u0110a s\u1ed1 doanh nghi\u1ec7p lu\u00f4n ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng v\u1ea5n \u0111\u1ec1 v\u1ec1 ng\u00e2n s\u00e1ch trong h\u00e0nh tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1.<\/p>\n M\u1eb7c d\u00f9 vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 s\u1ebd y\u00eau c\u1ea7u c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 kh\u00e1 l\u1edbn cho quy tr\u00ecnh, cho c\u00f4ng ngh\u1ec7, \u0111\u1ea7u t\u01b0 v\u00e0o nh\u00e2n s\u1ef1, v\u00e0o kh\u00e1ch h\u00e0ng, nh\u01b0ng h\u00e3y nh\u1edb r\u1eb1ng, \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t cu\u1ed9c \u0111ua. Khi x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c, h\u00e3y s\u1eed d\u1ee5ng ng\u00e2n s\u00e1ch nh\u01b0 m\u1ed9t b\u00e0i ki\u1ec3m tra th\u1ef1c t\u1ebf \u0111\u1ec3 x\u00e9t xem doanh nghi\u1ec7p c\u00f3 th\u1ec3 x\u1eed l\u00fd v\u00e0 gi\u1ea3i quy\u1ebft chi\u1ebfn l\u01b0\u1ee3c \u0111\u01b0\u1ee3c \u0111\u1ebfn \u0111\u00e2u. H\u00e3y th\u1ef1c hi\u1ec7n m\u1ed9t k\u1ebf ho\u1ea1ch g\u1ed3m nhi\u1ec1u giai \u0111o\u1ea1n trong nhi\u1ec1u n\u0103m \u0111\u1ec3 tr\u00e1nh \u0111\u1eb7t doanh nghi\u1ec7p v\u00e0o t\u00ecnh tr\u1ea1ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 ng\u00e2n s\u00e1ch.<\/p>\n <\/p>\n <\/p>\n C\u00e1c chuy\u00ean gia t\u1ea1i h\u1ed9i ngh\u1ecb c\u0169ng \u0111ang t\u1eadp trung v\u00e0o v\u1ea5n \u0111\u1ec1 thi\u1ebfu quy \u0111\u1ecbnh v\u1ec1 qu\u1ea3n l\u00fd c\u00e1c d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1.<\/span><\/p>\n B\u00e0 H\u1eb1ng ph\u00e1t bi\u1ec3u r\u1eb1ng: \u201cKh\u00f4ng c\u00f3 khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd n\u00e0o cho vi\u1ec7c chia s\u1ebb, l\u01b0u tr\u1eef v\u00e0 khai th\u00e1c d\u1eef li\u1ec7u\u201d.<\/span><\/p>\n \u00d4ng Nguy\u00ean c\u0169ng cho bi\u1ebft: \u201cCh\u00ednh ph\u1ee7 n\u00ean t\u1ea1o ra m\u1ed9t khu\u00f4n kh\u1ed5 quy \u0111\u1ecbnh \u0111\u1ec3 c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi.<\/span><\/p>\n Ngo\u00e0i ra, \u00f4ng Nguy\u00ean c\u0169ng k\u00eau g\u1ecdi so\u1ea1n ra c\u00e1c quy \u0111\u1ecbnh v\u1ec1 fintech \u0111\u1ec3 ph\u1ee5c v\u1ee5 c\u00e1c kh\u00e1ch h\u00e0ng.<\/span><\/p>\n V\u1ec1 khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd, \u00f4ng D\u0169ng cho r\u1eb1ng ch\u00ednh ph\u1ee7 c\u1ea7n ph\u1ea3i ch\u1ec9 \u0111\u1ea1o c\u00e1c b\u1ed9, ng\u00e0nh li\u00ean quan \u0111\u1ec3 t\u1ea1o c\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia, cho ph\u00e9p m\u1edf, chia s\u1ebb v\u00e0 k\u1ebft n\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 ng\u00e2n h\u00e0ng, vi\u1ec5n th\u00f4ng v\u00e0 b\u1ea3o hi\u1ec3m.<\/span><\/p>\n \u00d4ng c\u00f2n n\u00f3i th\u00eam: \u201cCh\u00ednh ph\u1ee7 n\u00ean \u0111\u01b0a ra khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u1ec1 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u ng\u01b0\u1eddi d\u00f9ng v\u00e0 b\u1ea3o m\u1eadt th\u00f4ng tin \u0111\u1ec3 t\u1ea1o ra m\u1ed9t h\u1ec7 th\u1ed1ng giao d\u1ecbch k\u1ef9 thu\u1eadt s\u1ed1 an to\u00e0n v\u00e0 \u0111\u00e1ng tin c\u1eady\u201d. <\/span><\/p>\n T\u1ea1i\u00a0Innotech 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 B\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t gi\u1ea3i ph\u00e1p v\u1ec1 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>\n1. T\u1ed5ng quan v\u1ec1 ng\u00e0nh ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam:<\/b><\/h2>\n
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2. Xu h\u01b0\u1edbng tri\u1ec3n khai k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam:<\/b><\/h2>\n
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S\u1ef1 x\u00e2m nh\u1eadp c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng:<\/b><\/h3>\n<\/li>\n<\/ul>\n
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Xu h\u01b0\u1edbng tri\u1ec3n khai c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng:<\/b><\/h3>\n<\/li>\n<\/ul>\n
3. Th\u00e1ch th\u1ee9c trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 m\u00e0 ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t:<\/b><\/h2>\n
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X\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng<\/b><\/h3>\n<\/li>\n<\/ul>\n
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Ngu\u1ed3n nh\u00e2n t\u00e0i mang t\u1ea7m quan tr\u1ecdng trong qu\u00e1 tr\u00ecnh s\u1ed1 h\u00f3a<\/b><\/h3>\n<\/li>\n<\/ul>\n
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V\u1ea5n \u0111\u1ec1 ng\u00e2n s\u00e1ch c\u1ee7a doanh nghi\u1ec7p trong su\u1ed1t qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1<\/b><\/h3>\n<\/li>\n<\/ul>\n
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\u00a0Nh\u1eefng r\u00e0o c\u1ea3n ph\u00e1p l\u00fd trong vi\u1ec7c tri\u1ec3n khai ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1:<\/b><\/h3>\n<\/li>\n<\/ul>\n
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