{"id":9698,"date":"2020-10-16T11:41:36","date_gmt":"2020-10-16T11:41:36","guid":{"rendered":"https:\/\/newver.innotech-vn.com\/?p=9698"},"modified":"2020-11-19T03:17:24","modified_gmt":"2020-11-19T03:17:24","slug":"api-he-sinh-thai-moi-xoa-bo-moi-rao-can-ve-digital-banking","status":"publish","type":"post","link":"https:\/\/newver.innotech-vn.com\/vie\/api-he-sinh-thai-moi-xoa-bo-moi-rao-can-ve-digital-banking\/","title":{"rendered":"API – H\u1ec7 sinh th\u00e1i m\u1edbi x\u00f3a b\u1ecf m\u1ecdi r\u00e0o c\u1ea3n v\u1ec1 Digital Banking"},"content":{"rendered":"

Trong m\u01b0\u1eddi n\u0103m qua, ch\u00fang ta \u0111\u00e3 ch\u1ee9ng ki\u1ebfn \u200b\u200bho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng h\u00e0ng ng\u00e0y \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i c\u01a1 b\u1ea3n, v\u1edbi c\u00e1c k\u00eanh tr\u1ef1c tuy\u1ebfn v\u00e0 di \u0111\u1ed9ng tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n. Gi\u1edd \u0111\u00e2y, ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng l\u1ea1i c\u00f3 th\u1ec3 b\u1ecb chuy\u1ec3n \u0111\u1ed5i m\u1ed9t l\u1ea7n n\u1eefa b\u1edfi m\u1ed9t h\u1ec7 sinh th\u00e1i c\u00f4ng ngh\u1ec7 m\u1edbi. C\u0169ng gi\u1ed1ng nh\u01b0 c\u00e1c \u1ee9ng d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 thay th\u1ebf vi\u1ec7c ph\u1ea3i \u0111\u1ebfn tr\u1ef1c ti\u1ebfp c\u00e1c ng\u00e2n h\u00e0ng, trong t\u01b0\u01a1ng lai g\u1ea7n, kh\u00e1ch h\u00e0ng th\u1eadm ch\u00ed c\u00f3 th\u1ec3 kh\u00f4ng s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng cho c\u00e1c nhu c\u1ea7u t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd. \u0110\u00e2y l\u00e0 cu\u1ed9c c\u00e1ch m\u1ea1ng c\u1ee7a n\u1ec1n t\u1ea3ng Ng\u00e2n h\u00e0ng m\u1edf<\/a> – Open Banking<\/a><\/strong>.<\/span><\/p>\n

 <\/p>\n

\"S\u1ef1<\/p>\n

S\u1ef1 Ph\u00e1t Tri\u1ec3n C\u1ee7a Digital T\u1ea1o N\u00ean Cu\u1ed9c C\u00e1ch M\u1ea1ng<\/em><\/p>\n

 <\/p>\n

S\u1ef1 Ph\u00e1t Tri\u1ec3n C\u1ee7a Digital T\u1ea1o N\u00ean Cu\u1ed9c C\u00e1ch M\u1ea1ng<\/b><\/h2>\n

 <\/p>\n

T\u00e1c \u0111\u1ed9ng cho s\u1ef1 thay \u0111\u1ed5i n\u00e0y l\u00e0 do C\u01a1 quan c\u1ea1nh tranh v\u00e0 th\u1ecb tr\u01b0\u1eddng (CMA). V\u1ec1 quy \u0111\u1ecbnh Open Banking m\u1edbi qua ch\u1ec9 th\u1ecb th\u1ee9 hai v\u1ec1 D\u1ecbch v\u1ee5 thanh to\u00e1n (PSD2) \u1edf V\u01b0\u01a1ng qu\u1ed1c Anh v\u00e0 tr\u00ean kh\u1eafp ch\u00e2u \u00c2u. C\u1ea3 hai \u0111\u1ec1u \u0111ang th\u00fac \u0111\u1ea9y m\u1ed9t l\u00e0n s\u00f3ng \u0111\u1ed5i m\u1edbi. \u0110\u1ec3 tu\u00e2n th\u1ee7 t\u1eebng \u0111i\u1ec1u lu\u1eadt, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i cho ph\u00e9p c\u00e1c b\u00ean th\u1ee9 ba \u0111\u00e1ng tin c\u1eady truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u t\u00e0i kho\u1ea3n kh\u00e1ch h\u00e0ng t\u1ea1o kh\u1ea3 n\u0103ng th\u1ef1c hi\u1ec7n thanh to\u00e1n. Cho ph\u00e9p c\u00e1c nh\u00e0 cung c\u1ea5p (b\u00ean th\u1ee9 ba) truy c\u1eadp v\u00e0o c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng d\u1eef li\u1ec7u c\u1ee7a ng\u00e2n h\u00e0ng theo c\u00e1ch m\u1edf an to\u00e0n th\u00ec giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng API (Application Programming Interface)<\/a> <\/strong>\u0111\u01b0\u1ee3c coi l\u00e0 c\u01a1 ch\u1ebf hi\u1ec7u qu\u1ea3 nh\u1ea5t \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y.<\/span><\/p>\n

 <\/p>\n

H\u1ec7 sinh th\u00e1i m\u1edbi n\u00e0y c\u0169ng mang \u0111\u1ebfn c\u01a1 h\u1ed9i m\u1edbi – v\u00e0 c\u00e1c m\u1ed1i \u0111e d\u1ecda m\u1edbi. Ch\u1ec9 c\u1ea7n \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u quy \u0111\u1ecbnh l\u00e0 ch\u01b0a \u0111\u1ee7. T\u1ea1i <\/span>Innotech Vietnam<\/a><\/strong>, ch\u00fang t\u00f4i \u0111ang \u0111\u1ecbnh h\u00ecnh t\u01b0\u01a1ng lai c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng b\u1eb1ng c\u00e1ch gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh x\u00e2y d\u1ef1ng c\u00e1c m\u00f4 h\u00ecnh kinh doanh k\u1ef9 thu\u1eadt s\u1ed1, x\u00e1c \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c API ri\u00eang v\u00e0 \u0111\u01b0a c\u00e1c \u0111\u1ec1 xu\u1ea5t m\u1edbi v\u1ec1 kh\u00e1ch h\u00e0ng v\u00e0o cu\u1ed9c s\u1ed1ng b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng ki\u1ebfn \u200b\u200btr\u00fac web hi\u1ec7n \u0111\u1ea1i, c\u00f4ng ngh\u1ec7 t\u1ed1t nh\u1ea5t tr\u00ean n\u1ec1n t\u1ea3ng h\u1ec7 sinh th\u00e1i m\u1edbi.<\/span><\/p>\n

 <\/p>\n

R\u00e0o C\u1ea3n C\u1ee7a Digital Banking<\/b><\/h2>\n

 <\/p>\n

\"Ng\u00e2n<\/p>\n

Ng\u00e2n H\u00e0ng s\u1eed d\u1ee5ng t\u00edch h\u1ee3p d\u1ecdc Integration<\/em><\/p>\n

 <\/p>\n

H\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn ng\u00e0y nay \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p theo chi\u1ec1u d\u1ecdc, h\u1ecd s\u1edf h\u1eefu v\u00e0 ki\u1ec3m so\u00e1t c\u1ea3 vi\u1ec7c s\u1ea3n xu\u1ea5t v\u00e0 ph\u00e2n ph\u1ed1i trong m\u1ed9t chu\u1ed7i gi\u00e1 tr\u1ecb duy nh\u1ea5t. C\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd (t\u00e0i kho\u1ea3n thanh to\u00e1n, th\u1ebf ch\u1ea5p, v.v.) ho\u1ea1t \u0111\u1ed9ng trong c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i \u0111\u1ed9c quy\u1ec1n c\u1ee7a ri\u00eang h\u1ecd (tr\u1ee5 s\u1edf chi nh\u00e1nh, ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn). H\u1ec7 th\u1ed1ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng thanh to\u00e1n \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111i\u1ec1u h\u00e0nh th\u01b0\u1eddng l\u00e0 BACS, CHAPS, Faster Payments, v.v. \u0111\u01b0\u1ee3c ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd.\u00a0 Nh\u01b0ng \u0111i\u1ec1u<\/span>\u00a0\u0111\u00f3 c\u0169ng d\u1eabn \u0111\u1ebfn nh\u1eefng h\u1ea1n ch\u1ebf v\u1ec1 vi\u1ec7c khai th\u00e1c to\u00e0n b\u1ed9 nhu c\u1ea7u kh\u00e1ch h\u00e0ng hay nh\u1eefng r\u1ee7i ro nh\u01b0:\u00a0<\/span><\/p>\n

 <\/p>\n