{"id":10412,"date":"2020-11-11T10:13:58","date_gmt":"2020-11-11T10:13:58","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=10412"},"modified":"2021-01-26T06:53:47","modified_gmt":"2021-01-26T06:53:47","slug":"giai-phap-ekyc-toan-dien-cho-doanh-nghiep-p2p-lending","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/giai-phap-ekyc-toan-dien-cho-doanh-nghiep-p2p-lending\/","title":{"rendered":"Gi\u1ea3i ph\u00e1p eKYC to\u00e0n di\u1ec7n cho doanh nghi\u1ec7p P2P lending"},"content":{"rendered":"
C\u00e1c <\/span>c\u00f4ng ty P2P lending<\/strong><\/a> \u0111ang d\u1ea7n \u0111\u01b0\u1ee3c h\u1ee3p th\u1ee9c h\u00f3a l\u0129nh v\u1ef1c kinh doanh v\u1ec1 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 n\u1ebfu nh\u01b0 th\u00f4ng tin \u0111\u00f3 ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u00e0o cu\u1ed1i n\u0103m 2020 ho\u1eb7c \u0111\u1ea7u n\u0103m 2021 th\u00ec m\u1ed9t l\u00e0n s\u00f3ng c\u00e1c c\u00f4ng ty P2P Lending s\u1ebd xu\u1ea5t hi\u1ec7n trong n\u0103m 2021. M\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty c\u1ea1nh tranh l\u1eabn nhau ngo\u00e0i ch\u00ednh s\u00e1ch t\u1ed1t c\u00f2n l\u00e0 v\u1ea5n \u0111\u1ec1 c\u00f4ng ngh\u1ec7.\u00a0<\/span><\/p>\n <\/p>\n C\u00f4ng ty P2P Lending l\u00e0m sao \u0111\u1ec3 x\u00e1c th\u1ef1c \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng online nhanh ch\u00f3ng v\u00e0 ch\u00ednh x\u00e1c, kh\u00e1ch h\u00e0ng l\u00e0m sao \u0111\u1ec3 m\u1edf \u0111\u01a1n vay nhanh ch\u00f3ng v\u00e0 gi\u1ea3i ng\u00e2n trong v\u00e0i gi\u1edd, nh\u00e0 \u0111\u1ea7u t\u01b0 l\u00e0m sao \u0111\u1ec3 \u0111\u0103ng k\u00fd c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 cho vay nhanh ch\u00f3ng? V\u00e0 gi\u1ea3i ph\u00e1p eKYC cho c\u00f4ng ty P2P Lending<\/strong><\/a>\u00a0<\/span>s\u1ebd gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/span><\/p>\n <\/p>\n <\/p>\n eKYC<\/strong><\/a> l\u00e0 qu\u00e1 tr\u00ecnh \u0111\u1ecbnh danh\u00a0 t\u1eed v\u00e0 x\u00e1c th\u1ef1c danh t\u00ednh c\u1ee7a ng\u01b0\u1eddi mu\u1ed1n \u0111i vay ho\u1eb7c nh\u00e0 \u0111\u1ea7u t\u01b0 cho vay b\u1eb1ng vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i nh\u01b0 OCR, Face Matching, Liveness Detection, Fraud Detection<\/strong>. Qu\u00e1 tr\u00ecnh x\u00e1c th\u1ef1c n\u00e0y ch\u1ec9 m\u1ea5t 3-5 ph\u00fat v\u00e0 mang l\u1ea1i tr\u1ea3i nghi\u1ec7m r\u1ea5t t\u1ed1t cho ng\u01b0\u1eddi d\u00f9ng, gi\u00fap doanh nghi\u1ec7p P2P gi\u1ea3i quy\u1ebft nhanh v\u1ea5n \u0111\u1ec1 m\u1edf t\u00e0i kho\u1ea3n.\u00a0<\/span><\/p>\n <\/p>\n Gi\u1ea3i ph\u00e1p eKYC gi\u00fap c\u00f4ng ty Lending P2P m\u1edf t\u00e0i kho\u1ea3n cho kh\u00e1ch h\u00e0ng nhanh ch\u00f3ng h\u01a1n v\u00e0 gi\u1ea3m thi\u1ec3u gian l\u1eadn<\/em><\/p>\n <\/p>\n Quy tr\u00ecnh eKYC \u1ee9ng d\u1ee5ng cho P2P Lending\u00a0<\/b><\/p>\n <\/p>\n Quy tr\u00ecnh eKYC cho c\u00f4ng ty P2P Lending<\/em><\/p>\n <\/p>\n <\/p>\n C\u00f4ng ngh\u1ec7 nh\u1eadn d\u1ea1ng k\u00fd t\u1ef1 quang h\u1ecdc (OCR) ra \u0111\u1eddi t\u1eeb nh\u1eefng n\u0103m 90 c\u1ee7a th\u1ebf k\u1ef7 tr\u01b0\u1edbc v\u00e0 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng r\u1ed9ng r\u00e3i \u1edf nhi\u1ec1u l\u0129nh v\u1ef1c quan tr\u1ecdng tr\u00ean th\u1ebf gi\u1edbi. Ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t trong nh\u1eefng l\u0129nh v\u1ef1c l\u1edbn nh\u1ea5t m\u00e0 OCR k\u1ebft h\u1ee3p c\u00e1c c\u00f4ng ngh\u1ec7 t\u1ef1 \u0111\u1ed9ng h\u00f3a hi\u1ec7n nay. S\u1eed d\u1ee5ng OCR trong c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 t\u1ea1o ra m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng v\u1ec1 s\u1ed1 h\u00f3a t\u00e0i li\u1ec7u di\u1ec5n ra \u1edf t\u1ed1c \u0111\u1ed9 cao v\u00e0 quy m\u00f4 l\u1edbn, gi\u1ea3m t\u1ea3i cho m\u1ed9t l\u01b0\u1ee3ng l\u1edbn c\u00f4ng vi\u1ec7c h\u00e0nh ch\u00ednh.<\/p>\n T\u1ea1i Innotech Vietnam, c\u00f4ng ngh\u1ec7 OCR \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p trong quy tr\u00ecnh eKYC<\/strong><\/a>\u00a0tr\u00edch xu\u1ea5t th\u00f4ng tin t\u1eeb c\u00e1c t\u00e0i li\u1ec7u nh\u1eadn d\u1ea1ng nh\u01b0 h\u1ed9 chi\u1ebfu, ch\u1ee9ng minh th\u01b0 , b\u1eb1ng l\u00e1i xe v\u00e0 \u0111\u01b0a th\u00f4ng tin \u0111\u00e3 \u0111\u01b0\u1ee3c m\u00e3 ho\u00e1 l\u00ean h\u1ec7 th\u1ed1ng. To\u00e0n b\u1ed9 qu\u00e1 tr\u00ecnh t\u1eeb tr\u00edch xu\u1ea5t d\u1eef li\u1ec7u \u0111\u1ec3 h\u00ecnh th\u00e0nh s\u1ed1 li\u1ec7u kh\u00f4ng m\u1ea5t qu\u00e1 3 gi\u00e2y khi\u1ebfn qu\u00e1 tr\u00ecnh ho\u00e0n to\u00e0n t\u1ef1 \u0111\u1ed9ng v\u00e0 \u0111\u1ed9 ch\u00ednh x\u00e1c l\u00ean t\u1edbi 99%.<\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n Face matching l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p x\u00e1c \u0111\u1ecbnh ho\u1eb7c x\u00e1c minh danh t\u00ednh c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng khu\u00f4n m\u1eb7t c\u1ee7a h\u1ecd. Ph\u01b0\u01a1ng ph\u00e1p n\u00e0y \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh ng\u01b0\u1eddi trong \u1ea3nh, video ho\u1eb7c trong th\u1eddi gian th\u1ef1c.<\/p>\n C\u00e1c h\u1ec7 th\u1ed1ng c\u1ee7a Face matching s\u1eed d\u1ee5ng c\u00e1c thu\u1eadt to\u00e1n m\u00e1y t\u00ednh \u0111\u1ec3 ch\u1ecdn ra c\u00e1c chi ti\u1ebft c\u1ee5 th\u1ec3, \u0111\u1eb7c bi\u1ec7t v\u1ec1 khu\u00f4n m\u1eb7t c\u1ee7a m\u1ed9t ng\u01b0\u1eddi. Nh\u1eefng chi ti\u1ebft n\u00e0y, ch\u1eb3ng h\u1ea1n nh\u01b0 kho\u1ea3ng c\u00e1ch gi\u1eefa hai m\u1eaft ho\u1eb7c h\u00ecnh d\u1ea1ng c\u1ee7a c\u1eb1m, sau \u0111\u00f3 \u0111\u01b0\u1ee3c s\u1ed1 ho\u00e1 v\u00e0 \u0111\u01b0\u1ee3c so s\u00e1nh v\u1edbi d\u1eef li\u1ec7u tr\u00ean c\u00e1c khu\u00f4n m\u1eb7t kh\u00e1c \u0111\u01b0\u1ee3c thu th\u1eadp trong c\u01a1 s\u1edf d\u1eef li\u1ec7u nh\u1eadn d\u1ea1ng khu\u00f4n m\u1eb7t. D\u1eef li\u1ec7u v\u1ec1 m\u1ed9t khu\u00f4n m\u1eb7t c\u1ee5 th\u1ec3 th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 m\u1eabu khu\u00f4n m\u1eb7t v\u00e0 kh\u00e1c v\u1edbi m\u1ed9t b\u1ee9c \u1ea3nh v\u00ec n\u00f3 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 ch\u1ec9 bao g\u1ed3m m\u1ed9t s\u1ed1 chi ti\u1ebft nh\u1ea5t \u0111\u1ecbnh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ph\u00e2n bi\u1ec7t khu\u00f4n m\u1eb7t n\u00e0y v\u1edbi khu\u00f4n m\u1eb7t kh\u00e1c.<\/p>\n Face matching l\u00e0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c sinh tr\u1eafc h\u1ecdc \u0111\u1eb7c bi\u1ec7t h\u1eefu \u00edch cho quy tr\u00ecnh digital onboarding<\/strong><\/a> :<\/p>\n <\/p>\n Face matching l\u00e0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c sinh tr\u1eafc h\u1ecdc \u0111\u1eb7c bi\u1ec7t h\u1eefu \u00edch cho quy tr\u00ecnh digital onboarding<\/em><\/p>\n <\/p>\n <\/p>\n C\u00f4ng ngh\u1ec7 Liveness detection gi\u00fap ch\u1ed1ng t\u1ea5n c\u00f4ng, \u0111\u00e1nh c\u1eafp danh t\u00ednh ng\u01b0\u1eddi d\u00f9ng b\u1edfi n\u00f3 x\u00e1c \u0111\u1ecbnh th\u1eddi gian th\u1ef1c m\u00e0 vi\u1ec7c \u00a0x\u00e1c nh\u1eadn sinh tr\u1eafc h\u1ecdc di\u1ec5n ra l\u00e0 ch\u00ednh ch\u1ee7 ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 gi\u1ea3 m\u1ea1o \u2013 l\u00e0 m\u1ed9t t\u00ednh n\u0103ng \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf c\u00f3 hi\u1ec7u qu\u1ea3 cao m\u00e0 ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng x\u00e1c th\u1ef1c.<\/p>\n T\u1ea1i Innotech, n\u00f3 r\u1ea5t d\u1ec5 s\u1eed d\u1ee5ng v\u00e0 ch\u1ec9 y\u00eau c\u1ea7u \u1ea3nh \/ video selfie, \u0111\u01b0\u1ee3c ch\u1ee5p qua ng\u01b0\u1eddi d\u00f9ng webcam ho\u1eb7c m\u00e1y \u1ea3nh smartphone\/ tablet:<\/p>\n <\/p>\n <\/p>\n Ng\u00e0y nay, c\u00e1c c\u00f4ng ty ch\u1ee9ng kho\u00e1n \u0111ang ch\u1ecbu \u00e1p l\u1ef1c ph\u1ea3i ph\u00e1t hi\u1ec7n v\u00e0 ng\u0103n ch\u1eb7n t\u1ed5n th\u1ea5t gian l\u1eadn li\u00ean quan \u0111\u1ebfn t\u00e0i kho\u1ea3n t\u1ea1i \u0111i\u1ec3m b\u00e1n m\u00e0 kh\u00f4ng ph\u1ea3i hy sinh d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng, l\u00f2ng trung th\u00e0nh v\u00e0 t\u1ef7 l\u1ec7 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng. V\u00ed d\u1ee5, m\u1ed9t c\u00e1 nh\u00e2n l\u1ea5y th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng kh\u00e1c b\u1ea5t h\u1ee3p ph\u00e1p v\u00e0 m\u1edf t\u00e0i kho\u1ea3n d\u01b0\u1edbi t\u00ean c\u1ee7a m\u00ecnh v\u00e0 s\u1eed d\u1ee5ng th\u00f4ng tin h\u1ee3p ph\u00e1p n\u00e0y.<\/p>\n Do \u0111\u00f3, Fraud detection l\u00e0 m\u1ed9t t\u1eadp h\u1ee3p c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u1ec3 ng\u0103n ch\u1eb7n ti\u1ec1n ho\u1eb7c t\u00e0i s\u1ea3n c\u00f3 \u0111\u01b0\u1ee3c th\u00f4ng qua c\u00e1c h\u00e0nh vi gi\u1ea3 m\u1ea1o. B\u01b0\u1edbc hi\u1ec7u qu\u1ea3 nh\u1ea5t \u0111\u1ec3 ng\u0103n ch\u1eb7n gian l\u1eadn l\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u c\u1ee7a m\u1ed1i quan h\u1ec7 gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng – onboarding. \u0110\u00e2y l\u00e0 \u0111i\u1ec3m ti\u1ebfp x\u00fac quan tr\u1ecdng nh\u1ea5t \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u00e1c ng\u00e2n h\u00e0ng kh\u1ecfi gian l\u1eadn v\u00e0 t\u1ea1o ra tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng tuy\u1ec7t v\u1eddi.<\/p>\n <\/p>\n <\/p>\n <\/p>\n X\u00e2y d\u1ef1ng b\u1ea3n m\u00f4 t\u1ea3 quy tr\u00ecnh eKYC cho c\u00f4ng ty P2P Lending<\/strong><\/a> c\u1ee7a ri\u00eang m\u00ecnh s\u1ebd gi\u00fap b\u1ea1n \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u01b0\u1ee3c k\u1ebft qu\u1ea3 \u0111\u1ea1t \u0111\u01b0\u1ee3c v\u00e0 t\u00ecm ki\u1ebfm \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ed1i t\u00e1c l\u1eadp tr\u00ecnh, c\u00e1c \u0111\u01a1n v\u1ecb cung c\u1ea5p c\u00f4ng ngh\u1ec7 t\u00edch h\u1ee3p hi\u1ec7u qu\u1ea3, ti\u1ebft ki\u1ec7m th\u1eddi gian, chi ph\u00ed v\u00e0 r\u1ee7i ro.<\/span><\/p>\n <\/p>\n <\/p>\n Gi\u1ea3i ph\u00e1p eKYC Vi\u1ec7t Nam<\/strong><\/a> b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p c\u00f4ng ngh\u1ec7 OCR, Liveness Detection, Face Matching…t\u1eeb nhi\u1ec1u nh\u00e0 cung c\u1ea5p, ch\u00ednh v\u00ec th\u1ebf b\u1ea1n c\u1ea7n m\u1ed9t chuy\u00ean gia v\u1ec1 gi\u1ea3i ph\u00e1p \u0111\u00e3 t\u1eebng tri\u1ec3n khai t\u00edch h\u1ee3p \u0111\u1ec3 t\u01b0 v\u1ea5n, \u0111\u00e1nh gi\u00e1 xem h\u1ec7 th\u1ed1ng hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n c\u00f3 ph\u00f9 h\u1ee3p \u0111\u1ec3 t\u00edch h\u1ee3p c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi v\u00e0o hay kh\u00f4ng? N\u1ebfu c\u00f3, th\u00ec h\u1ec7 th\u1ed1ng s\u1ebd n\u00ean \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf nh\u01b0 th\u1ebf n\u00e0o. N\u1ebfu nh\u01b0 ch\u01b0a t\u1eebng c\u00f3 kinh nghi\u1ec7m, ch\u1eafc ch\u1eafn \u0111\u1ed9i ng\u0169 in-house c\u1ee7a b\u1ea1n s\u1ebd ph\u1ea3i \u201cg\u1eb7p nh\u1eefng b\u00e0i h\u1ecdc \u0111\u1eafng cay”.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n V\u1edbi kinh nghi\u1ec7m tri\u1ec3n khai gi\u1ea3i ph\u00e1p eKYC<\/strong><\/a> cho nhi\u1ec1u \u0111\u01a1n v\u1ecb t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng. Innotech khuy\u00ean b\u1ea1n n\u00ean x\u00e2y d\u1ef1ng m\u1ed9t \u0111\u1ed9i ng\u0169 chuy\u00ean bi\u1ec7t cho d\u1ef1 \u00e1n ch\u1ecbu tr\u00e1ch nhi\u1ec7m sau:\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n V\u1edbi kinh nghi\u1ec7m t\u01b0 v\u1ea5n v\u00e0 tri\u1ec3n khai gi\u1ea3i ph\u00e1p eKYC<\/strong><\/a> cho nhi\u1ec1u \u0111\u01a1n v\u1ecb ng\u00e2n h\u00e0ng, ch\u1ee9ng kho\u00e1n v\u00e0 c\u00f4ng ty P2P Lending. Innotech Vi\u1ec7t Nam c\u00f3 th\u1ec3 \u0111\u1ed3ng h\u00e0nh c\u00f9ng b\u1ea1n ph\u00e1t tri\u1ec3n gi\u1ea3i ph\u00e1p eKYC ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi doanh nghi\u1ec7p c\u1ee7a b\u1ea1n.\u00a0<\/span><\/p>\n <\/p>\neKYC – \u0110\u1ecbnh danh kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed l\u00e0 g\u00ec?\u00a0<\/b><\/h2>\n
C\u00e1c c\u00f4ng ngh\u1ec7 \u1ee9ng d\u1ee5ng v\u00e0o gi\u1ea3i ph\u00e1p eKYC:<\/b>\u00a0<\/span><\/h2>\n
OCR<\/strong><\/h3>\n
C\u00e1c lo\u1ea1i gi\u1ea5y t\u1edd \u0111\u01b0\u1ee3c x\u00e1c minh<\/strong><\/span><\/h3>\n
\u0110\u1ed1i v\u1edbi x\u00e1c minh C\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n<\/b><\/span><\/h4>\n
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\u0110\u1ed1i v\u1edbi x\u00e1c minh H\u1ed9 chi\u1ebfu<\/b><\/span><\/h4>\n
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\u0110\u1ec3 x\u00e1c minh B\u1eb1ng l\u00e1i xe<\/b><\/span><\/h4>\n
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<\/h3>\n
Face matching<\/strong><\/h3>\n
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Liveness Detection<\/strong><\/h3>\n
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Fraud detection <\/strong><\/h3>\n
Nh\u1eefng \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd khi quy\u1ebft \u0111\u1ecbnh tri\u1ec3n khai gi\u1ea3i ph\u00e1p eKYC:\u00a0<\/b><\/h2>\n
X\u00e2y d\u1ef1ng b\u1ea3n m\u00f4 t\u1ea3 quy tr\u00ecnh eKYC \u1ee9ng v\u1edbi ch\u00ednh doanh nghi\u1ec7p c\u1ee7a b\u1ea1n c\u00e0ng chi ti\u1ebft c\u00e0ng t\u1ed1t:\u00a0<\/b><\/h3>\n
L\u1ef1a ch\u1ecdn, \u0111\u00e1nh gi\u00e1 c\u00e1c c\u00f4ng ngh\u1ec7 t\u00edch h\u1ee3p t\u1eeb b\u00ean th\u1ee9 3 c\u00f9ng v\u1edbi chuy\u00ean gia:<\/b>\u00a0<\/span><\/h3>\n
X\u00e2y d\u1ef1ng team chuy\u00ean bi\u1ec7t cho vi\u1ec7c ph\u00e1t tri\u1ec3n gi\u1ea3i ph\u00e1p eKYC:\u00a0<\/b><\/h3>\n
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\u0110\u01a1n v\u1ecb cung c\u1ea5p gi\u1ea3i ph\u00e1p eKYC cho ch\u1ee9ng kho\u00e1n:\u00a0<\/b><\/h2>\n