{"id":27507,"date":"2025-10-10T11:15:18","date_gmt":"2025-10-10T04:15:18","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=27507"},"modified":"2025-10-13T16:06:38","modified_gmt":"2025-10-13T09:06:38","slug":"5-trends-dinh-hinh-tuong-lai-cua-viec-phat-hien-gian-lan-bang-ai-trong-ngan-hang","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vi\/5-trends-dinh-hinh-tuong-lai-cua-viec-phat-hien-gian-lan-bang-ai-trong-ngan-hang\/","title":{"rendered":"5 trends \u0111\u1ecbnh h\u00ecnh t\u01b0\u01a1ng lai c\u1ee7a vi\u1ec7c ph\u00e1t hi\u1ec7n gian l\u1eadn b\u1eb1ng AI trong ng\u00e2n h\u00e0ng"},"content":{"rendered":"

Q<\/span>uy m\u00f4 to\u00e0n c<\/span>\u1ea7<\/span>u v\u00e0 m<\/span>\u1ee9<\/span>c \u0111<\/span>\u1ed9<\/span> tinh vi c<\/span>\u1ee7<\/span>a <\/span>ho\u1ea1t \u0111\u1ed9ng<\/span> gian l<\/span>\u1ead<\/span>n trong ng\u00e2n h\u00e0ng<\/span> ng\u00e0y c\u00e0ng t\u0103ng<\/span>. \u0110i<\/span>\u1ec1<\/span>u n\u00e0y \u0111<\/span>\u1eb7<\/span>t ra y\u00eau c<\/span>\u1ea7<\/span>u c<\/span>\u1ea5<\/span>p thi<\/span>\u1ebf<\/span>t cho c\u00e1c ng\u00e2n h\u00e0ng trong vi<\/span>\u1ec7<\/span>c n\u00e2ng cao n\u0103ng l<\/span>\u1ef1<\/span>c ph\u00e1t hi<\/span>\u1ec7<\/span>n v\u00e0 ph\u00f2ng ng<\/span>\u1eeb<\/span>a gian l<\/span>\u1ead<\/span>n. Do \u0111\u00f3, m<\/span>\u1ed9<\/span>t h<\/span>\u1ec7<\/span> th<\/span>\u1ed1<\/span>ng <\/span><\/span>ph\u00e1t hi<\/span>\u1ec7<\/span>n gian l<\/span>\u1ead<\/span>n b<\/span>\u1eb1<\/span>ng AI trong ng\u00e2n h\u00e0ng<\/span><\/span> l\u00e0 m<\/span>\u1ed9<\/span>t <\/span>l\u1ef1a ch\u1ecdn<\/span> s\u00e1ng su<\/span>\u1ed1<\/span>t. B\u00e0i vi<\/span>\u1ebf<\/span>t d\u01b0<\/span>\u1edb<\/span>i \u0111\u00e2y s<\/span>\u1ebd<\/span> cho b<\/span>\u1ea1<\/span>n bi<\/span>\u1ebf<\/span>t v<\/span>\u1ec1<\/span> 5 xu h\u01b0<\/span>\u1edb<\/span>ng \u0111<\/span>\u1ecb<\/span>nh h\u00ecn<\/span>h t\u01b0\u01a1ng lai c<\/span>\u1ee7<\/span>a ho<\/span>\u1ea1<\/span>t \u0111<\/span>\u1ed9<\/span>ng <\/span>ph\u00e1t hi\u1ec7n gian l\u1eadn b\u1eb1ng AI trong ng\u00e2n h\u00e0ng<\/span>.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\n

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\u00a01. Th<\/span>\u1ef1<\/span>c tr<\/span>\u1ea1<\/span>ng gian l<\/span>\u1ead<\/span>n trong ng\u00e2n h\u00e0ng hi<\/span>\u1ec7<\/span>n nay<\/span><\/span><\/h2>\n

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Trong th<\/span>\u1edd<\/span>i \u0111<\/span>\u1ea1<\/span>i 4.0 hi<\/span>\u1ec7<\/span>n nay, ch\u00fang ta <\/span>ch\u1ee9ng ki\u1ebfn <\/span>s<\/span>\u1ef1<\/span> gia t\u0103ng kh\u00f4ng ng<\/span>\u1eeb<\/span>ng <\/span>c\u1ee7a <\/span>c\u00e1c h\u00e0nh vi gian l<\/span>\u1ead<\/span>n s<\/span>\u1eed<\/span> d<\/span>\u1ee5<\/span>ng c\u00f4ng ngh<\/span>\u1ec7<\/span> cao, c\u00e1c chi\u00eau tr\u00f2 tinh vi <\/span>tro<\/span>ng<\/span> ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh – ng\u00e2n h\u00e0ng<\/span>.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\n

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Theo t<\/span>\u1edd<\/span> <\/span>Business Standard<\/span><\/span><\/a> (<\/span>\u1ea4<\/span>n \u0110<\/span>\u1ed9<\/span>)<\/span>: C<\/span>\u00e1c ng\u00e2n h\u00e0ng n\u01b0<\/span>\u1edb<\/span>c n\u00e0y ghi nh<\/span>\u1ead<\/span>n t<\/span>\u1edb<\/span>i 36.075 v<\/span>\u1ee5<\/span> gian l<\/span>\u1ead<\/span>n trong n\u0103m t\u00e0i ch\u00ednh 2024<\/span>. Gi\u00e1 tr<\/span>\u1ecb<\/span> thi<\/span>\u1ec7<\/span>t h<\/span>\u1ea1<\/span>i l\u00ean \u0111<\/span>\u1ebf<\/span>n 26.127 crore rupee. H\u01a1n 89% gi\u00e1 tr<\/span>\u1ecb<\/span> gian l<\/span>\u1ead<\/span>n \u0111\u01b0<\/span>\u1ee3<\/span>c b\u00e1o c\u00e1o th<\/span>\u1ef1<\/span>c ra \u0111\u00e3 x<\/span>\u1ea3<\/span>y ra t<\/span>\u1eeb<\/span> c\u00e1c n\u0103m tr\u01b0<\/span>\u1edb<\/span>c, cho th<\/span>\u1ea5<\/span>y \u0111<\/span>\u1ed9<\/span> tr<\/span>\u1ec5<\/span> \u0111\u00e1ng k<\/span>\u1ec3<\/span> trong ph\u00e1t hi<\/span>\u1ec7<\/span>n.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\n

\"\u1ea2nh<\/p>\n

Gian l\u1eadn trong ng\u00e2n h\u00e0ng x\u1ea3y ra t\u1ea1i nhi\u1ec1u qu\u1ed1c gia v\u00e0 nhi\u1ec1u khu v\u1ef1c tr\u00ean th\u1ebf gi\u1edbi.<\/i><\/p>\n

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Theo b\u00e1o c\u00e1o <\/span><\/span>Global Financial Fraud Assessment<\/span><\/span> (<\/span><\/span>INTERPOL<\/span><\/span><\/a>, 5\/2024), t<\/span>\u1ea1<\/span>i Ch\u00e2u M<\/span>\u1ef9<\/span>, c<\/span>\u1ea3<\/span>nh s\u00e1t \u0111\u00e3 ti<\/span>\u1ebf<\/span>n h\u00e0nh b<\/span>\u1eaf<\/span>t gi<\/span>\u1eef<\/span> h\u01a1n 100 \u0111<\/span>\u1ed1<\/span>i t\u01b0<\/span>\u1ee3<\/span>ng v\u00e0 phong t<\/span>\u1ecf<\/span>a 200 t\u00e0i kho<\/span>\u1ea3<\/span>n c\u00f3 h\u00e0nh vi gian l<\/span>\u1ead<\/span>n trong n\u0103m 2023. Ch\u00e2u \u00c2u \u0111\u01b0<\/span>\u1ee3<\/span>c ghi nh<\/span>\u1ead<\/span>n l\u00e0 n\u01a1i c\u00f3 t<\/span>\u1ef7<\/span> l<\/span>\u1ec7<\/span> gian l<\/span>\u1ead<\/span>n t\u00e0i ch\u00ednh cao nh<\/span>\u1ea5<\/span>t v<\/span>\u1edb<\/span>i h\u01a1n 80% v<\/span>\u1ee5<\/span> vi<\/span>\u1ec7<\/span>c mang y<\/span>\u1ebf<\/span>u t<\/span>\u1ed1<\/span> c\u00f4ng ngh<\/span>\u1ec7<\/span>.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\n

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Th<\/span>\u1ef1<\/span>c tr<\/span>\u1ea1<\/span>ng n\u00e0y cho th<\/span>\u1ea5<\/span>y, kh\u00f4ng ch<\/span>\u1ec9<\/span> ri\u00eang m<\/span>\u1ed9<\/span>t qu<\/span>\u1ed1<\/span>c gia hay m<\/span>\u1ed9<\/span>t khu v<\/span>\u1ef1<\/span>c m\u00e0 c<\/span>\u1ea3<\/span> th<\/span>\u1ebf<\/span> gi<\/span>\u1edb<\/span>i \u0111ang \u0111<\/span>\u1ed1<\/span>i m<\/span>\u1eb7<\/span>t v<\/span>\u1edb<\/span>i c\u00e1c t<\/span>\u1ed5<\/span>n th<\/span>\u1ea5<\/span>t kinh t<\/span>\u1ebf<\/span> v\u00e0 th\u00e1ch th<\/span>\u1ee9<\/span>c v<\/span>\u1ec1<\/span> l\u00f2ng tin c<\/span>\u1ee7<\/span>a kh\u00e1ch h\u00e0ng do t\u00e1c \u0111<\/span>\u1ed9<\/span>ng ti\u00eau c<\/span>\u1ef1<\/span>c c<\/span>\u1ee7<\/span>a gian l<\/span>\u1ead<\/span>n trong ng\u00e2n h\u00e0ng.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\n

\u00a02. T<\/span>\u1ea1<\/span>i sao vi<\/span>\u1ec7<\/span>c ph\u00e1t hi<\/span>\u1ec7<\/span>n gian l<\/span>\u1ead<\/span>n b<\/span>\u1eb1<\/span>ng AI trong ng\u00e2n h\u00e0ng l<\/span>\u1ea1<\/span>i tr<\/span>\u1edf<\/span> th\u00e0nh m<\/span>\u1ed9<\/span>t xu th<\/span>\u1ebf<\/span>?\u00a0<\/span><\/span>\u00a0<\/span><\/span><\/h2>\n

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V<\/span>\u1edb<\/span>i th<\/span>\u1ef1<\/span>c tr<\/span>\u1ea1<\/span>ng nh<\/span>\u1ee9<\/span>c nh<\/span>\u1ed1<\/span>i n\u00f3i tr\u00ean, c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ki<\/span>\u1ec3<\/span>m so\u00e1t gian l<\/span>\u1ead<\/span>n truy<\/span>\u1ec1<\/span>n th<\/span>\u1ed1<\/span>ng d<\/span>\u1ea7<\/span>n t<\/span>\u1ecf<\/span> ra l<\/span>\u1ed7<\/span>i th<\/span>\u1edd<\/span>i v\u00e0 ch<\/span>\u1ead<\/span>m ch<\/span>\u1ea1<\/span>p. Tr\u00ed tu<\/span>\u1ec7<\/span> nh\u00e2n t<\/span>\u1ea1<\/span>o \u0111\u00e3 tr<\/span>\u1edf<\/span> th\u00e0nh v\u0169 kh\u00ed h<\/span>\u1eef<\/span>u hi<\/span>\u1ec7<\/span>u c<\/span>\u1ee7<\/span>a t<\/span>\u1ed9<\/span>i ph<\/span>\u1ea1<\/span>m gian l<\/span>\u1ead<\/span>n. <\/span>Do \u0111\u00f3, <\/span><\/span>vi<\/span>\u1ec7<\/span>c <\/span>\u1ee9ng d\u1ee5ng AI trong ph\u00e1t hi\u1ec7n gian l\u1eadn trong ng\u00e2n h\u00e0ng<\/span><\/span> \u0111\u00e3 kh\u00f4ng c\u00f2n l\u00e0 l<\/span>\u1ef1<\/span>a ch<\/span>\u1ecd<\/span>n m\u00e0 tr<\/span>\u1edf<\/span> th\u00e0nh m<\/span>\u1ed9<\/span>t xu th<\/span>\u1ebf<\/span> t<\/span>\u1ea5<\/span>t y<\/span>\u1ebf<\/span>u. Hi<\/span>\u1ec7<\/span>n nay, c\u00f3 r<\/span>\u1ea5<\/span>t nhi<\/span>\u1ec1<\/span>u c\u00f4ng ty c\u00f4ng ngh<\/span>\u1ec7<\/span> cung c<\/span>\u1ea5<\/span>p <\/span><\/span>d<\/span>\u1ecb<\/span>ch v<\/span>\u1ee5<\/span> ph\u00e1t tri<\/span>\u1ec3<\/span>n ph<\/span>\u1ea7<\/span>n m<\/span>\u1ec1<\/span>m AI<\/span><\/span><\/a> cho ng\u00e0nh ng\u00e2n h\u00e0ng. \u0110i<\/span>\u1ec1<\/span>u n\u00e0y ch<\/span>\u1ee9<\/span>ng t<\/span>\u1ecf<\/span> s<\/span>\u1ef1<\/span> ph\u00e1t tri<\/span>\u1ec3<\/span>n c<\/span>\u1ee7<\/span>a AI trong ng\u00e0nh BFSI l\u00e0 m<\/span>\u1ed9<\/span>t xu h\u01b0<\/span>\u1edb<\/span>ng <\/span>ph\u00e1t tri\u1ec3n<\/span> kh\u00f4ng ng<\/span>\u1eeb<\/span>ng.\u00a0<\/span><\/span>\u00a0<\/span><\/p>\n

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Ph\u00e1t hi<\/span>\u1ec7<\/span>n gian l<\/span>\u1ead<\/span>n<\/span> b\u1eb1ng AI trong ng\u00e2n h\u00e0ng<\/span> <\/span>mang l<\/span>\u1ea1<\/span>i nhi<\/span>\u1ec1<\/span>u l<\/span>\u1ee3<\/span>i \u00edch nh\u01b0:\u00a0<\/span><\/span>\u00a0<\/span><\/span>\u00a0<\/span><\/span>\u00a0<\/span><\/p>\n

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