{"id":7235,"date":"2019-08-15T11:42:22","date_gmt":"2019-08-15T04:42:22","guid":{"rendered":"https:\/\/dtmconsulting.vn\/?p=7235"},"modified":"2020-05-26T17:26:46","modified_gmt":"2020-05-26T10:26:46","slug":"tuong-lai-cua-cac-cong-nghe-thanh-toan","status":"publish","type":"post","link":"https:\/\/dtmconsulting.vn\/en\/tuong-lai-cua-cac-cong-nghe-thanh-toan\/","title":{"rendered":"T\u01b0\u01a1ng lai c\u1ee7a c\u00e1c c\u00f4ng ngh\u1ec7 thanh to\u00e1n"},"content":{"rendered":"

Th\u1eddi \u0111\u1ea1i k\u0129 thu\u1eadt s\u1ed1 \u0111ang thay \u0111\u1ed5i c\u00e1ch m\u00e0 m\u1ecdi ng\u01b0\u1eddi t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c doanh nghi\u1ec7p, v\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111ang ti\u1ebfp t\u1ee5c thay \u0111\u1ed5i t\u01b0\u01a1ng lai c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng tr\u00ean to\u00e0n th\u1ebf gi\u1edbi. Nhu c\u1ea7u ng\u00e0y c\u00e0ng gia t\u0103ng \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng s\u1ed1 c\u1ee7a th\u1ebf h\u1ec7 Y v\u00e0 th\u1ebf h\u1ec7 Z \u0111ang thay \u0111\u1ed5i c\u00e1ch m\u00e0 to\u00e0n b\u1ed9 c\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng.<\/p>\r\n

T\u01b0\u01a1ng lai c\u1ee7a Retail banking<\/h1>\r\n

Retail banking (ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb) \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c d\u1ecbch v\u1ee5 m\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng ti\u1ebft ki\u1ec7m, ki\u1ec3m tra t\u00e0i kho\u1ea3n, t\u00edn d\u1ee5ng, cho vay. Mong mu\u1ed1n ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh t\u1eeb k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 d\u1eabn \u0111\u1ebfn s\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c c\u00f4ng ngh\u1ec7 ng\u00e2n h\u00e0ng m\u1edbi \u0111ang \u0111\u00e1nh gi\u00e1 l\u1ea1i to\u00e0n b\u1ed9 th\u1ecb tr\u01b0\u1eddng b\u00e1n l\u1ebb.<\/p>\r\n

T\u00e1c \u0111\u1ed9ng c\u1ee7a c\u00f4ng ngh\u1ec7 \u0111\u1ed1i v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 t\u00edch c\u1ef1c. Theo Business Insider Intelligence, 39% CEO c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb cho r\u1eb1ng t\u00e1c \u0111\u1ed9ng l\u1edbn nh\u1ea5t c\u1ee7a c\u00f4ng ngh\u1ec7 l\u00e0 gi\u1ea3m thi\u1ec3u chi ph\u00ed, trong khi \u0111\u00f3 c\u00f3 24% cho r\u1eb1ng n\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn nh\u1ea5t trong c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\r\n

C\u00e1c ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb c\u0169ng \u0111ang tung ra c\u00e1c n\u1ec1n t\u1ea3ng cung c\u1ea5p d\u1ecbch v\u1ee5 (BaaS) \u0111\u1ec3 duy tr\u00ec c\u1ea1nh tranh.<\/p>\r\n

T\u01b0\u01a1ng lai c\u1ee7a Mobile banking<\/h1>\r\n
\"Mobile

Mobile banking<\/p><\/div>\r\n

Mobile banking \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ec3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng chuy\u1ec3n ti\u1ec1n, theo d\u00f5i chi ti\u00eau v\u00e0 thu nh\u1eadp c\u1ee7a h\u1ecd. Theo nghi\u00ean c\u1ee9u c\u1ee7a Business Insider Intelligence, 89% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi cho bi\u1ebft h\u1ecd \u0111ang s\u1eed d\u1ee5ng mobile banking (ng\u00e2n h\u00e0ng di \u0111\u1ed9ng).<\/p>\r\n

M\u1ed9t m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng khi l\u1ef1a ch\u1ecdn mobile banking l\u00e0 b\u1ea3o m\u1eadt. N\u1ed7i s\u1ee3 vi ph\u1ea1m d\u1eef li\u1ec7u l\u00e0m t\u0103ng nhu c\u1ea7u v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 gi\u1eef an to\u00e0n d\u1eef li\u1ec7u c\u1ee7a ng\u01b0\u1eddi d\u00f9ng – cho ph\u00e9p ng\u01b0\u1eddi ti\u00eau d\u00f9ng gi\u1eef th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c th\u1ebb ghi n\u1ee3, l\u00ean l\u1ecbch, v\u00e0 theo d\u00f5i c\u00e1c giao d\u1ecbch th\u1ebb l\u00e0 m\u1ed9t s\u1ed1 t\u00ednh n\u0103ng ng\u00e2n h\u00e0ng b\u1ea3o m\u1eadt th\u00e0nh c\u00f4ng.<\/p>\r\n

V\u00ed di \u0111\u1ed9ng l\u00e0 m\u1ed9t t\u00ednh n\u0103ng m\u1edbi kh\u00e1c trong ng\u00e2n h\u00e0ng di \u0111\u1ed9ng. V\u00ed di \u0111\u1ed9ng l\u00e0 \u1ee9ng d\u1ee5ng nh\u1ea5n m\u1ea1nh s\u1ef1 ti\u1ec7n l\u1ee3i; h\u1ecd cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng mua h\u00e0ng tr\u1ef1c tuy\u1ebfn ho\u1eb7c t\u1ea1i c\u1eeda h\u00e0ng b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh c\u1ee7a h\u1ecd – m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i r\u00fat th\u1ebb t\u00edn d\u1ee5ng th\u1ef1c t\u1ebf.<\/p>\r\n

T\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng di \u0111\u1ed9ng h\u01b0\u1edbng t\u1edbi vi\u1ec7c cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 ti\u1ebft ki\u1ec7m, t\u00e0i ch\u00ednh.<\/p>\r\n

>>> Xem th\u00eam: Marketing Intelligence l\u00e0 g\u00ec<\/a>?<\/p>\r\n

T\u01b0\u01a1ng lai c\u1ee7a online banking<\/h1>\r\n

S\u1ef1 ph\u1ed5 bi\u1ebfn c\u1ee7a mobile banking \u0111\u00e3 v\u01b0\u1ee3t qua online banking (ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn) v\u00e0 t\u1ed5ng s\u1ed1 kh\u00e1ch h\u00e0ng tr\u1ef1c tuy\u1ebfn \u0111\u00e3 ch\u1eadm l\u1ea1i tr\u00ean to\u00e0n th\u1ebf gi\u1edbi. Theo Business Insider Intelligence, mobile banking \u0111ang t\u0103ng tr\u01b0\u1edfng v\u1edbi t\u1ed1c \u0111\u1ed9 g\u1ea5p n\u0103m l\u1ea7n online banking v\u00e0 m\u1ed9t n\u1eeda s\u1ed1 kh\u00e1ch h\u00e0ng tr\u1ef1c tuy\u1ebfn c\u0169ng l\u00e0 ng\u01b0\u1eddi d\u00f9ng mobile banking.<\/p>\r\n

M\u1eb7c d\u00f9 m\u1ee9c \u0111\u1ed9 ph\u1ed5 bi\u1ebfn ng\u00e0y c\u00e0ng t\u0103ng n\u00e0y, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng v\u1eabn thi\u1ebfu nhu c\u1ea7u v\u1ec1 c\u00e1c nhi\u1ec7m v\u1ee5 di \u0111\u1ed9ng, nh\u01b0 thanh to\u00e1n h\u00f3a \u0111\u01a1n v\u00e0 \u0111\u1ed5i th\u01b0\u1edfng, khi\u1ebfn h\u1ecd \u0111\u1ea9y ng\u01b0\u1eddi d\u00f9ng \u0111\u1ebfn online banking.<\/p>\r\n

T\u01b0\u01a1ng lai c\u1ee7a Digital-only banking<\/h1>\r\n

Digital-only banking (ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1) hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 neobanks, \u0111ang x\u00e1c \u0111\u1ecbnh t\u01b0\u01a1ng lai c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng tr\u00ean to\u00e0n th\u1ebf gi\u1edbi. D\u00f9 b\u1eaft \u0111\u1ea7u r\u1ea5t mu\u1ed9n t\u1ea1i M\u1ef9 do c\u00e1c r\u00e0o c\u1ea3n ph\u00e1p l\u00fd, nh\u01b0ng nh\u1eefng ph\u00e1t tri\u1ec3n g\u1ea7n \u0111\u00e2y c\u1ee7a n\u00f3 cho th\u1ea5y r\u1eb1ng n\u00f3 \u0111ang chu\u1ea9n b\u1ecb cho m\u1ed9t b\u01b0\u1edbc nh\u1ea3y v\u1ecdt.<\/p>\r\n

Theo b\u00e1o c\u00e1o “Evolution of the US Neobank Market” c\u1ee7a Business Insider Intelligence, b\u1ed1i c\u1ea3nh c\u1ea1nh tranh ng\u00e2n h\u00e0ng k\u0129 thu\u1eadt s\u1ed1 ng\u00e0y c\u00e0ng t\u0103ng khi\u1ebfn c\u00e1c doanh nghi\u1ec7p ph\u1ea3i \u0111\u1ea1i tu ho\u1ea1t \u0111\u1ed9ng c\u1ee7a to\u00e0n b\u1ed9 doanh nghi\u1ec7p cho nhu c\u1ea7u v\u1ec1 khu v\u1ef1c k\u1ef9 thu\u1eadt s\u1ed1.<\/p>\r\n

Xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7 trong ng\u00e2n h\u00e0ng<\/h1>\r\n

T\u01b0\u01a1ng lai c\u1ee7a c\u00f4ng ngh\u1ec7 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 th\u1ebf h\u1ec7 Z, nh\u1eefng ng\u01b0\u1eddi coi c\u00f4ng ngh\u1ec7 l\u00e0 th\u1ee9 gi\u00fap n\u00e2ng cao cu\u1ed9c s\u1ed1ng c\u1ee7a h\u1ecd. Xu h\u01b0\u1edbng ph\u1ed5 bi\u1ebfn trong c\u00f4ng ngh\u1ec7 ng\u00e2n h\u00e0ng l\u00e0 s\u1eed d\u1ee5ng giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng (API) \u0111\u1ec3 cung c\u1ea5p d\u1eef li\u1ec7u \u0111\u1ed9c quy\u1ec1n cho b\u1ea5t k\u1ef3 ai c\u00f3 quy\u1ec1n truy c\u1eadp c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\r\n

Ngo\u00e0i ra, Business Insider Intelligence b\u00e1o c\u00e1o r\u1eb1ng 48% gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh ng\u00e2n h\u00e0ng tin r\u1eb1ng c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi nh\u01b0 blockchain v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng l\u1edbn nh\u1ea5t \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ebfn n\u0103m 2020. Theo Business Insider Intelligence, c\u00e1c ng\u00e2n h\u00e0ng \u0111ang kh\u00e1m ph\u00e1 c\u00f4ng ngh\u1ec7 blockchain v\u1edbi hy v\u1ecdng h\u1ee3p l\u00fd h\u00f3a c\u00e1c quy tr\u00ecnh v\u00e0 c\u1eaft gi\u1ea3m chi ph\u00ed.<\/p>\r\n

Ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u00e3 c\u00f3 th\u1ec3 th\u1ea5y AI \u0111ang \u0111\u01b0\u1ee3c h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng th\u00f4ng qua c\u00e1c chatbot \u1edf v\u0103n ph\u00f2ng ch\u00ednh. C\u00e1c ng\u00e2n h\u00e0ng \u0111ang s\u1eed d\u1ee5ng AI \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u00e0 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng , \u0111\u1ed3ng th\u1eddi b\u1eaft ch\u01b0\u1edbc nh\u00e2n vi\u00ean tr\u1ef1c ti\u1ebfp th\u00f4ng qua chatbot v\u00e0 tr\u1ee3 l\u00fd gi\u1ecdng n\u00f3i (t\u1ea1i M\u1ef9).<\/p>\r\n

V\u1edbi r\u1ea5t nhi\u1ec1u kh\u00eda c\u1ea1nh kh\u00e1c nhau c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng \u0111ang tr\u1ea3i qua s\u1ef1 thay \u0111\u1ed5i, th\u1ebf gi\u1edbi ng\u00e2n h\u00e0ng \u0111ang ng\u00e0y c\u00e0ng bi\u1ebfn h\u00f3a \u0111\u1ec3 ph\u00f9 h\u1ee3p h\u01a1n.<\/p>\r\n

>>> Xem th\u00eam: H\u1ec7 th\u1ed1ng tr\u00ed tu\u1ec7 marketing l\u00e0 g\u00ec<\/a>?<\/p>\r\n

Ngu\u1ed3n: Business Insider<\/p>","protected":false},"excerpt":{"rendered":"Th\u1eddi \u0111\u1ea1i k\u0129 thu\u1eadt s\u1ed1 \u0111ang thay \u0111\u1ed5i c\u00e1ch m\u00e0 m\u1ecdi ng\u01b0\u1eddi t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c doanh nghi\u1ec7p, v\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111ang ti\u1ebfp t\u1ee5c thay \u0111\u1ed5i t\u01b0\u01a1ng lai c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng tr\u00ean to\u00e0n th\u1ebf gi\u1edbi. Nhu c\u1ea7u ng\u00e0y c\u00e0ng gia t\u0103ng \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng s\u1ed1 c\u1ee7a th\u1ebf h\u1ec7 Y v\u00e0 [...]","protected":false},"author":4,"featured_media":7240,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[74,126,127],"tags":[],"class_list":["post-7235","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-chuyen-doi-so","category-trend",""],"_links":{"self":[{"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/posts\/7235","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/comments?post=7235"}],"version-history":[{"count":3,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/posts\/7235\/revisions"}],"predecessor-version":[{"id":11331,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/posts\/7235\/revisions\/11331"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/media\/7240"}],"wp:attachment":[{"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/media?parent=7235"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/categories?post=7235"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dtmconsulting.vn\/en\/wp-json\/wp\/v2\/tags?post=7235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}