{"id":9573,"date":"2020-10-15T04:53:14","date_gmt":"2020-10-15T04:53:14","guid":{"rendered":"https:\/\/newver.innotech-vn.com\/?p=9573"},"modified":"2021-01-26T03:28:35","modified_gmt":"2021-01-26T03:28:35","slug":"open-banking-la-gi-nhung-dieu-ban-can-biet-ve-open-banking","status":"publish","type":"post","link":"https:\/\/newver.innotech-vn.com\/vie\/open-banking-la-gi-nhung-dieu-ban-can-biet-ve-open-banking\/","title":{"rendered":"Open-banking l\u00e0 g\u00ec? Nh\u1eefng \u0111i\u1ec1u b\u1ea1n c\u1ea7n bi\u1ebft v\u1ec1 Open-banking"},"content":{"rendered":"<p><span style=\"font-weight: 400;\"><strong><a href=\"https:\/\/innotech-vn.com\/open-banking-la-gi-nhung-dieu-ban-can-biet-ve-open-banking\/\">Open Banking l\u00e0 g\u00ec?<\/a> <\/strong>Gi\u00fap tr\u1eebu t\u01b0\u1ee3ng h\u00f3a Open Banking \u0111\u1ec3 b\u1ea1n \u0111\u01b0\u1ee3c g\u00f3c nh\u00ecn ch\u00ednh x\u00e1c h\u01a1n v\u1ec1 d\u1ecbch v\u1ee5 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh m\u1edbi n\u00e0y v\u00e0 c\u00e1ch n\u00f3 ho\u1ea1t \u0111\u1ed9ng. V\u1edbi t\u00e1c \u0111\u1ed9ng g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c thay \u0111\u1ed5i c\u00e1ch th\u1ee9c tri\u1ec3n khai ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 trong ng\u00e0nh t\u00e0i ch\u00ednh, Open Banking \u0111\u1ea1t s\u1ef1 th\u00e0nh c\u00f4ng t\u1eeb m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng n\u1eafm b\u1eaft tri\u1ec3n khai \u0111\u1ea7u ti\u00ean.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><strong>Open-banking l\u00e0 g\u00ec?<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"wp-image-9579 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/10\/What-is-open-banking-Everything-you-need-to-know-about-Open-banking-1-1.png\" alt=\"Open-banking l\u00e0 g\u00ec?\" width=\"100%\" srcset=\"https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/What-is-open-banking-Everything-you-need-to-know-about-Open-banking-1-1.png 1901w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/What-is-open-banking-Everything-you-need-to-know-about-Open-banking-1-1-300x190.png 300w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/What-is-open-banking-Everything-you-need-to-know-about-Open-banking-1-1-1024x647.png 1024w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/What-is-open-banking-Everything-you-need-to-know-about-Open-banking-1-1-768x485.png 768w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/What-is-open-banking-Everything-you-need-to-know-about-Open-banking-1-1-1536x970.png 1536w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/What-is-open-banking-Everything-you-need-to-know-about-Open-banking-1-1-1320x834.png 1320w\" sizes=\"(max-width: 1901px) 100vw, 1901px\" \/><\/p>\n<p style=\"text-align: center;\"><em>Open-banking l\u00e0 g\u00ec?<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u201cOpen banking\u201d \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n b\u1eb1ng c\u00f4ng ngh\u1ec7 m\u00e3 ngu\u1ed3n m\u1edf API. L\u00e0 ho\u1ea1t \u0111\u1ed9ng c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh phi ng\u00e2n h\u00e0ng cung c\u1ea5p quy\u1ec1n cho nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh &#8211; b\u00ean th\u1ee9 ba quy\u1ec1n truy c\u1eadp c\u00e1c d\u1eef li\u1ec7u v\u00e0o ng\u00e2n h\u00e0ng ti\u00eau d\u00f9ng, giao d\u1ecbch v\u00e0 d\u1eef li\u1ec7u t\u00e0i ch\u00ednh kh\u00e1c \u0111\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1c \u1ee9ng d\u1ee5ng v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p v\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n \u201cOpen banking\u201d th\u00fac \u0111\u1ea9y c\u00e1c d\u1ecbch v\u1ee5 ng\u00e0nh t\u00e0i ch\u00ednh b\u1eaft \u0111\u1ea7u s\u1ef1 chuy\u1ec3n m\u00ecnh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nh\u1eefng c\u00e1ch \u0111\u01b0\u1ee3c hi\u1ec3u v\u1ec1 Open Banking:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Open banking l\u00e0 h\u1ec7 th\u1ed1ng cho ph\u00e9p truy c\u1eadp v\u00e0 ki\u1ec3m so\u00e1t c\u00e1c t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Open banking c\u00f3 ti\u1ec1m n\u0103ng \u0111\u1ecbnh h\u00ecnh l\u1ea1i b\u1ed1i c\u1ea3nh c\u1ea1nh tranh v\u00e0 tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Open banking t\u0103ng ti\u1ec1m n\u0103ng mang l\u1ea1i l\u1ee3i nhu\u1eadn \u0111\u1ea7y h\u1ee9a h\u1eb9n v\u00e0 c\u0169ng c\u00f3 m\u1ed9t s\u1ed1 r\u1ee7i ro \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng khi nhi\u1ec1u d\u1eef li\u1ec7u c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c chia s\u1ebb r\u1ed9ng r\u00e3i h\u01a1n.<\/span><\/li>\n<\/ul>\n<h2><\/h2>\n<h2><strong>Nh\u1eefng \u0111i\u1ec1u b\u1ea1n c\u1ea7n bi\u1ebft v\u1ec1 Open-banking<\/strong><\/h2>\n<div class=\"mceTemp\"><\/div>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"wp-image-9723 size-full aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-1.jpg\" alt=\"Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a API trong Open Banking Ng\u00e2n h\u00e0ng m\u1edf\" width=\"100%\" srcset=\"https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-1.jpg 1595w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-1-300x112.jpg 300w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-1-1024x382.jpg 1024w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-1-768x286.jpg 768w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-1-1536x573.jpg 1536w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-1-1320x492.jpg 1320w\" sizes=\"(max-width: 1595px) 100vw, 1595px\" \/> <em>Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a API trong Open Banking Ng\u00e2n h\u00e0ng m\u1edf<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3><strong>1. Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a d\u1eef li\u1ec7u Open banking<\/strong><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">API l\u00e0 vi\u1ebft t\u1eaft c\u1ee7a Application Programming Interface. M\u1ee5c \u0111\u00edch ch\u00ednh c\u1ee7a API<strong> <a href=\"https:\/\/innotech-vn.com\/open-banking-la-gi-nhung-dieu-ban-can-biet-ve-open-banking\/\">ho\u1ea1t \u0111\u1ed9ng\u00a0trong Open banking<\/a><\/strong> l\u00e0 gi\u00fap k\u1ebft n\u1ed1i c\u00e1c t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 cho ph\u00e9p truy c\u1eadp, truy xu\u1ea5t v\u00e0 \u0111\u1ed1i chi\u1ebfu c\u00e1c giao d\u1ecbch gi\u1eefa t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh x\u00e1c th\u1ef1c th\u00f4ng qua giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">\u201cOpen banking\u201d hay c\u00f2n g\u1ecdi l\u00e0 <strong><a href=\"https:\/\/innotech-vn.com\/open-banking-la-gi-nhung-dieu-ban-can-biet-ve-open-banking\/\">ng\u00e2n h\u00e0ng n\u1ec1n t\u1ea3ng m\u1edf<\/a><\/strong>.<\/span><span style=\"font-weight: 400;\"> D\u1eef li\u1ec7u ng\u00e2n h\u00e0ng n\u1ec1n t\u1ea3ng m\u1edf t\u1ee9c l\u00e0 d\u1eef li\u1ec7u c\u00e1 nh\u00e2n v\u00e0 t\u00e0i ch\u00ednh (bao g\u1ed3m c\u1ea3 \u0111\u1ed1i t\u00e1c t\u00e0i ch\u00ednh) c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh cho ph\u00e9p b\u00ean th\u1ee9 ba quy\u1ec1n truy c\u1eadp v\u00e0 ki\u1ec3m so\u00e1t d\u1ef1a tr\u00ean s\u1ef1 \u0111\u1ed3ng \u00fd c\u00e1c \u0111i\u1ec1u kho\u1ea3n d\u1ecbch v\u1ee5 c\u1ee7a kh\u00e1ch h\u00e0ng khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh tr\u1ef1c tuy\u1ebfn. C\u00e1c b\u00ean th\u1ee9 ba th\u01b0\u1eddng l\u00e0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p c\u00f4ng ngh\u1ec7 v\u00e0 c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh tr\u1ef1c tuy\u1ebfn. <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">C\u00e1c d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng n\u1ec1n t\u1ea3ng\u00a0m\u1edf c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho vi\u1ec7c so s\u00e1nh th\u00f4ng tin x\u00e1c th\u1ef1c t\u00e0i kho\u1ea3n, l\u1ecbch s\u1eed giao d\u1ecbch t\u00e0i ch\u00ednh, t\u1ed5ng h\u1ee3p d\u1eef li\u1ec7u \u0111\u1ec3 ph\u00e2n t\u00edch h\u00e0nh vi t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 t\u1ea1o ch\u01b0\u01a1ng tr\u00ecnh ti\u1ebfp th\u1ecb ho\u1eb7c x\u00e1c th\u1ef1c c\u00e1c giao d\u1ecbch, c\u1eadp nh\u1eadt s\u1eeda \u0111\u1ed5i m\u1edbi, thay \u0111\u1ed5i t\u00e0i kho\u1ea3n thay m\u1eb7t kh\u00e1ch h\u00e0ng. M\u1ed9t s\u1ed1 <strong><a href=\"https:\/\/innotech-vn.com\/open-banking-la-gi-nhung-dieu-ban-can-biet-ve-open-banking\/\">d\u1ecbch v\u1ee5 Open banking cung c\u1ea5p<\/a><\/strong> nh\u01b0:\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Giao di\u1ec7n tr\u1ef1c quan:<\/strong> T\u1ed5ng c\u00e1c th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec1u tr\u00ean m\u1ed9t n\u1ec1n t\u1ea3ng h\u1ee3p nh\u1ea5t v\u00e0 li\u1ec1n m\u1ea1ch. \u0110\u1ed3ng th\u1eddi c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng n\u00e0y \u0111\u1ec3 t\u01b0\u01a1ng t\u00e1c, giao d\u1ecbch v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 c\u00e1c b\u00ean th\u1ee9 ba.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n:<\/strong> H\u1ed7 tr\u1ee3 c\u00e1c t\u1ed5 ch\u1ee9c, doanh nghi\u1ec7p khi ph\u00e1t tri\u1ec3n c\u00e1c n\u1ec1n t\u1ea3ng \u0111\u1ec3 cho ph\u00e9p c\u00e1c d\u1ecbch v\u1ee5 \u0111\u1ea7u cu\u1ed1i bao g\u1ed3m m\u1edf, qu\u1ea3n l\u00fd v\u00e0 \u0111\u00f3ng t\u00e0i kho\u1ea3n.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn:<\/strong> Th\u00f4ng qua API, quy tr\u00ecnh th\u1ef1c hi\u1ec7n trong Open Banking \u0111\u01a1n gi\u1ea3n v\u00e0 nhanh g\u1ecdn h\u01a1n khi cho ph\u00e9p b\u1ecf qua c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n c\u1ee7a b\u00ean th\u1ee9 ba v\u1edbi t\u00ednh minh b\u1ea1ch cao. \u0110a d\u1ea1ng h\u00ecnh th\u1ee9c thanh to\u00e1n cho nhi\u1ec1u d\u1ecbch v\u1ee5 kh\u00e1c nhau nh\u01b0 mua v\u00e9 m\u00e1y bay, v\u00e9 t\u00e0u, \u0111i\u1ec7n n\u01b0\u1edbc, internet, mua s\u1eafm,&#8230;<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Ti\u1ec7n \u00edch kh\u00e1c:<\/strong> G\u1eedi ti\u1ebft ki\u1ec7m online, vay online, thu h\u1ed9, Topup tr\u1ef1c tuy\u1ebfn, \u0111\u1ea7u t\u01b0 c\u1ed5 phi\u1ebfu, trao \u0111\u1ed5i ti\u1ec1n t\u1ec7 \u2026 th\u1ef1c hi\u1ec7n tr\u00ean ch\u00ednh giao di\u1ec7n c\u1ee7a ng\u00e2n h\u00e0ng \u0111ang truy c\u1eadp ho\u1eb7c thanh to\u00e1n, giao d\u1ecbch li\u00ean k\u1ebft t\u1eeb ng\u00e2n h\u00e0ng ho\u1eb7c ngu\u1ed3n t\u00e0i ch\u00ednh kh\u00e1c qua API.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><span style=\"font-weight: 400;\"><strong>Thu\u1eadn l\u1ee3i cho T\u1ed5 ch\u1ee9c &#8211; Doanh nghi\u1ec7p:<\/strong> C\u00e1c ho\u1ea1t \u0111\u1ed9ng v\u00e0 quy tr\u00ecnh ch\u1eb7t ch\u1ebd \u0111\u01b0\u1ee3c th\u1ed1ng nh\u1ea5t tr\u00ean n\u1ec1n t\u1ea3ng m\u1edbi theo quy chu\u1ea9n nh\u1ea5t \u0111\u1ecbnh, tr\u00e1nh \u0111\u01b0\u1ee3c c\u00e1c h\u00e0nh vi l\u1eeba \u0111\u1ea3o v\u00e0 gi\u1ea3 m\u1ea1o v\u1edbi c\u00f4ng ngh\u1ec7 th\u00f4ng minh. Vi\u1ec7c ki\u1ec3m tra, s\u1eeda \u0111\u1ed5i, n\u00e2ng c\u1ea5p, nh\u1eadn th\u00f4ng b\u00e1o \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a \u0111\u01b0\u1ee3c x\u1eed l\u00fd nhanh h\u01a1n. T\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nh\u01b0 b\u00e1n h\u00e0ng, cho vay, k\u1ebf to\u00e1n h\u00f3a, ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng, t\u1ed5 ch\u1ee9c ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i,&#8230;<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><strong>2. Ti\u1ec1m n\u0103ng c\u1ee7a Open banking<\/strong><\/h3>\n<div class=\"mceTemp\"><\/div>\n<p style=\"text-align: center;\"><img decoding=\"async\" class=\"size-full wp-image-9731 aligncenter\" src=\"https:\/\/innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-3.jpg\" alt=\"L\u1ef1a ch\u1ecdn \u0111\u1ed1i t\u00e1c \u0111\u00fang \u0111\u1eafn \u0111\u1ec3 tri\u1ec3n khai API trong Open Banking b\u1ea3o m\u1eadt v\u00e0 an to\u00e0n\" width=\"100%\" srcset=\"https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-3.jpg 1000w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-3-300x150.jpg 300w, https:\/\/newver.innotech-vn.com\/wp-content\/uploads\/2020\/10\/Open-Banking-la-gi-3-768x384.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/> <em>L\u1ef1a ch\u1ecdn \u0111\u1ed1i t\u00e1c \u0111\u00fang \u0111\u1eafn \u0111\u1ec3 tri\u1ec3n khai API trong Open Banking b\u1ea3o m\u1eadt v\u00e0 an to\u00e0n<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Open baking mang l\u1ea1i nhi\u1ec1u thu\u1eadn ti\u1ec7n cho ng\u01b0\u1eddi d\u00f9ng khi mu\u1ed1n truy v\u1ea5n t\u00e0i kho\u1ea3n th\u00ec c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n truy c\u1eadp tr\u1ef1c tuy\u1ebfn v\u00e0 thao t\u00e1c m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i m\u1ea5t th\u00ec gi\u1edd \u0111\u1ec3 \u0111\u1ebfn ng\u00e2n h\u00e0ng ch\u1edd \u0111\u1ee3i l\u00e0m c\u00e1c th\u1ee7 t\u1ee5c. Nh\u01b0ng vi\u1ec7c chia s\u1ebb d\u1eef li\u1ec7u c\u00e1 nh\u00e2n v\u00e0 th\u00f4ng tin t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c b\u00ean \u0111\u1ed1i t\u00e1c c\u0169ng c\u00f3 nhi\u1ec1u r\u1ee7i ro v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin hay c\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u1ea5u c\u00f3 th\u1ec3 x\u1ea3y ra nh\u01b0 t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ecb hack, n\u1ed9i gi\u00e1n, hay vi ph\u1ea1m d\u1eef li\u1ec7u do b\u1ea3o m\u1eadt k\u00e9m hay \u00edt c\u00f3 kh\u1ea3 n\u0103ng x\u1ea3y ra l\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng \u0111\u1ed9c h\u1ea1i c\u1ee7a b\u00ean th\u1ee9 ba c\u00f3 th\u1ec3 x\u00f3a s\u1ea1ch t\u00e0i kho\u1ea3n kh\u00e1ch h\u00e0ng. Th\u1ef1c t\u1ebf trong c\u00e1c c\u00f4ng ngh\u1ec7 \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng tr\u00ean th\u1ecb tr\u01b0\u1eddng th\u00ec API \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn an to\u00e0n v\u00ec ch\u00fang cho ph\u00e9p c\u00e1c \u1ee9ng d\u1ee5ng chia s\u1ebb d\u1eef li\u1ec7u tr\u1ef1c ti\u1ebfp m\u00e0 kh\u00f4ng c\u1ea7n chia s\u1ebb th\u00f4ng tin \u0111\u0103ng nh\u1eadp t\u00e0i kho\u1ea3n. InnoTech \u0111\u00e3 th\u00e0nh c\u00f4ng x\u00e2y d\u1ef1ng v\u00e0 tri\u1ec3n khai ph\u1ea7n m\u1ec1m Open Banking cho c\u00e1c \u0111\u1ed1i t\u00e1c c\u00f9ng v\u1edbi h\u01a1n 200 d\u1ef1 \u00e1n c\u00f4ng ngh\u1ec7 kh\u00e1c \u0111\u00e3 \u0111\u01b0\u1ee3c ho\u00e0n th\u00e0nh.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Open banking c\u00f3 ti\u1ec1m n\u0103ng l\u00e0m thay \u0111\u1ed5i b\u1ee9c tranh ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, th\u00fac \u0111\u1ea9y vi\u1ec7c t\u0103ng chi ti\u00eau c\u1ee7a kh\u00e1ch h\u00e0ng khi c\u00e1c t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c li\u00ean k\u1ebft v\u1edbi nhau. Vi\u1ec7c nh\u00ecn th\u1ea5y \u0111\u01b0\u1ee3c t\u1ea5t c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 so s\u00e1nh v\u00e0 t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c c\u00e1c chi ph\u00ed c\u01a1 h\u1ed9i \u0111\u1ec3 \u0111\u01b0a ra nh\u1eefng quy\u1ebft \u0111\u1ecbnh tr\u01b0\u1edbc s\u1eed d\u1ee5ng m\u1ed9t d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh n\u00e0o \u0111\u00f3. \u0110\u1ed3ng th\u1eddi, th\u1ecb tr\u01b0\u1eddng c\u00f3 th\u1ec3 b\u1ecb h\u1ee3p nh\u1ea5t v\u00e0 d\u1eef li\u1ec7u ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 b\u1ecb s\u1eed d\u1ee5ng sai m\u1ee5c \u0111\u00edch, n\u1ebfu nh\u01b0 b\u1ecb th\u00e2u t\u00f3m gi\u1ed1ng vi\u1ec7c c\u00e1c nh\u00e0 c\u00f4ng ngh\u1ec7 l\u1edbn v\u1ec1 m\u1ea1ng x\u00e3 h\u1ed9i v\u00e0 mua s\u1eafm tr\u1ef1c tuy\u1ebfn \u0111\u00e3 l\u00e0m. Tuy \u0111\u00e2y s\u1ebd l\u00e0 vi\u1ec7c kh\u00f3 c\u00f3 kh\u1ea3 n\u0103ng x\u1ea3y ra. Open Baking c\u00f3 th\u1ec3 l\u00e0m th\u01b0\u01a1ng m\u1ea1i h\u00f3a d\u1eef li\u1ec7u v\u00e0 s\u1ebd l\u00e0 m\u1ed9t c\u01a1 h\u1ed9i \u0111\u1ea7y ti\u1ec1m n\u0103ng c\u1ea7n n\u1eafm b\u1eaft c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh.<\/span><\/p>\n<p style=\"text-align: right;\"><em><span style=\"font-weight: 400;\">Source:\u00a0 T\u1ed5ng h\u1ee3p v\u00e0 d\u1ecbch Innotech Vi\u1ec7t Nam<\/span><\/em><\/p>\n<hr \/>\n<p><span style=\"font-weight: 400;\">T\u1ea1i <\/span><strong><a href=\"https:\/\/innotech-vn.com\">Innotech Vietnam<\/a><\/strong><span style=\"font-weight: 400;\">, 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">B\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t c\u00f4ng ty Software Outsourcing Development \u0111\u1ec3 cung c\u1ea5p gi\u1ea3i ph\u00e1p cho c\u00f4ng ty c\u1ee7a b\u1ea1n. Li\u00ean h\u1ec7 v\u1edbi c\u00e1c chuy\u00ean gia t\u1ea1i Innotech Vietnam \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p m\u1ecdi th\u1eafc m\u1eafc v\u1ec1 gi\u1ea3i ph\u00e1p t\u00edch h\u1ee3p cho \u00a0<strong><a href=\"https:\/\/innotech-vn.com\/reliable-digital-banking-transformation-consultant-in-vietnam\/\">Digital Banking Transformation Consultant<\/a>!<\/strong><\/span><\/p>\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\"><em>Email: <a href=\"mailto:info@innotech-vn.com\">info@innotech-vn.com<\/a>\u00a0<\/em><\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Open Banking l\u00e0 g\u00ec? Gi\u00fap tr\u1eebu t\u01b0\u1ee3ng h\u00f3a Open Banking \u0111\u1ec3 b\u1ea1n \u0111\u01b0\u1ee3c g\u00f3c nh\u00ecn ch\u00ednh x\u00e1c h\u01a1n v\u1ec1 d\u1ecbch v\u1ee5 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh m\u1edbi n\u00e0y v\u00e0 c\u00e1ch n\u00f3 ho\u1ea1t \u0111\u1ed9ng. V\u1edbi t\u00e1c \u0111\u1ed9ng g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c thay \u0111\u1ed5i c\u00e1ch th\u1ee9c tri\u1ec3n khai ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 trong ng\u00e0nh t\u00e0i ch\u00ednh, Open [&hellip;]<\/p>","protected":false},"author":7,"featured_media":9721,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[2254],"tags":[],"yst_prominent_words":[569,684,643,997,3343,595,901,78,563,577,3366,568,560],"publishpress_future_action":{"enabled":false,"date":"2025-03-03 14:39:53","action":"draft","terms":[],"taxonomy":"category"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/9573"}],"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=9573"}],"version-history":[{"count":26,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/9573\/revisions"}],"predecessor-version":[{"id":11374,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/9573\/revisions\/11374"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/media\/9721"}],"wp:attachment":[{"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/media?parent=9573"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/categories?post=9573"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/tags?post=9573"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/newver.innotech-vn.com\/vie\/wp-json\/wp\/v2\/yst_prominent_words?post=9573"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}