{"id":11249,"date":"2021-01-21T09:45:49","date_gmt":"2021-01-21T09:45:49","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=11249"},"modified":"2024-06-04T16:55:01","modified_gmt":"2024-06-04T09:55:01","slug":"xu-huong-fintech-noi-bat-trong-nam-2021","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/xu-huong-fintech-noi-bat-trong-nam-2021\/","title":{"rendered":"Xu h\u01b0\u1edbng Fintech n\u1ed5i b\u1eadt trong n\u0103m 2021"},"content":{"rendered":"

S\u1ef1 ph\u00e1t tri\u1ec3n v\u01b0\u1ee3t b\u1eadc c\u1ee7a c\u00f4ng ngh\u1ec7 th\u00f4ng tin c\u0169ng nh\u01b0 Internet \u0111ang ng\u00e0y c\u00e0ng t\u1ea1o ra nhi\u1ec1u ti\u1ec7n \u00edch, gi\u00fap \u0111\u01a1n gi\u1ea3n h\u00f3a cu\u1ed9c s\u1ed1ng c\u1ee7a con ng\u01b0\u1eddi. Trong \u0111\u00f3, nhi\u1ec1u c\u00f4ng ty c\u00f4ng ngh\u1ec7 c\u1eadp nh\u1eadt xu h\u01b0\u1edbng fintech, \u1ee9ng d\u1ee5ng nh\u1eefng ph\u1ea7n m\u1ec1m c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh v\u00e0o ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 gi\u00fap vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch v\u1ec1 ti\u1ec1n t\u1ec7 c\u1ee7a kh\u00e1ch h\u00e0ng tr\u1edf n\u00ean r\u1ea5t thu\u1eadn ti\u1ec7n.\u00a0<\/span><\/p>\n

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>> Xem th\u00eam: \u0110i\u1ec1u c\u1ea7n bi\u1ebft v\u1ec1 Fintech \u2013 gi\u00e1 tr\u1ecb t\u1ea1o ra cho doanh nghi\u1ec7p?\u00a0<\/strong><\/a><\/span><\/p>\n

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Tr\u1ea3i qua m\u1ed9t n\u0103m 2020 v\u1edbi nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng, n\u0103m 2021 s\u1ebd ch\u1ee9ng ki\u1ebfn nhi\u1ec1u thay \u0111\u1ed5i ho\u1eb7c gi\u00e1n \u0111o\u1ea1n trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng v\u00e0 Fintech. B\u00e0i vi\u1ebft s\u1ebd t\u1eadp trung l\u00e0m r\u00f5 5 xu h\u01b0\u1edbng Fintech n\u1ed5i b\u1eadt<\/strong><\/a> trong n\u0103m 2021.<\/span><\/p>\n

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1. S\u1ef1 c\u1ea1nh tranh trong vi\u1ec7c tham gia chu\u1ed7i gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf\u00a0<\/b><\/h2>\n

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N\u0103m 2020 ch\u1ee9ng ki\u1ebfn ba s\u1ef1 ph\u00e1t tri\u1ec3n quan tr\u1ecdng trong cu\u1ed9c chi\u1ebfn gi\u00e0nh m\u1ed1i quan h\u1ec7 v\u1edbi c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf:<\/span><\/p>\n

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Th\u1ee9 nh\u1ea5t, ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o v\u1ec7 ti\u1ec1n l\u01b0\u01a1ng PPP (Paycheck Protection Plan) c\u00f3 vai tr\u00f2 r\u1ea5t quan tr\u1ecdng b\u1edfi v\u00ec n\u00f3 cho ph\u00e9p nhi\u1ec1u ng\u00e2n h\u00e0ng v\u1eeba v\u00e0 nh\u1ecf c\u0169ng nh\u01b0 nh\u1eefng li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng cho vay nh\u1eefng c\u00f4ng ty nh\u1ecf – nh\u1eefng c\u00f4ng ty c\u00f3 t\u00e0i kho\u1ea3n \u1edf c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn nh\u01b0ng \u0111\u00e3 b\u1ecb b\u1ecf qua ho\u1eb7c kh\u00f4ng th\u1ec3 vay ti\u1ebfp.<\/span><\/p>\n

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Th\u1ee9 hai, Amazon cu\u1ed1i c\u00f9ng \u0111\u00e3 m\u1edf c\u1eeda cho c\u00e1c b\u00ean th\u1ee9 ba tr\u1ef1c ti\u1ebfp cho nh\u1eefng nh\u00e0 b\u00e1n h\u00e0ng tr\u00ean n\u1ec1n t\u1ea3ng n\u00e0y vay ti\u1ec1n, th\u1ec3 hi\u1ec7n qua s\u1ef1 h\u1ee3p t\u00e1c v\u1edbi Goldman Sachs. \u0110\u00e2y l\u00e0 m\u1ed9t b\u01b0\u1edbc ti\u1ebfn quan tr\u1ecdng b\u1edfi v\u00ec Amazon \u0111\u00e3 gi\u1ea3i ng\u00e2n 1 t\u1ef7 USD ti\u1ec1n m\u1eb7t \u1ee9ng tr\u01b0\u1edbc cho nh\u1eefng nh\u00e0 b\u00e1n h\u00e0ng c\u1ee7a m\u00ecnh v\u00e0i n\u0103m tr\u01b0\u1edbc.<\/span><\/p>\n

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Th\u1ee9 ba, Stripe \u0111\u00e3 \u0111\u01b0a ra th\u00f4ng b\u00e1o r\u1eb1ng kho b\u1ea1c Stripe s\u1ebd cho ph\u00e9p nh\u1eefng n\u1ec1n t\u1ea3ng nh\u01b0 Shopify cung c\u1ea5p cho ng\u01b0\u1eddi b\u00e1n quy\u1ec1n truy c\u1eadp v\u00e0o c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh. C\u00e1c n\u1ec1n t\u1ea3ng c\u00f3 th\u1ec3 cung c\u1ea5p cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng nh\u1eefng t\u00e0i kho\u1ea3n sinh l\u00e3i \u0111\u1ee7 \u0111\u00e1p \u1ee9ng \u0111i\u1ec1u ki\u1ec7n c\u1ee7a b\u1ea3o hi\u1ec3m FDIC v\u00e0 cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o s\u1ed1 ti\u1ec1n ki\u1ebfm \u0111\u01b0\u1ee3c th\u00f4ng qua Stripe, sau \u0111\u00f3 h\u1ecd c\u00f3 th\u1ec3 : Chi ti\u00eau tr\u1ef1c ti\u1ebfp t\u1eeb s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n b\u1eb1ng m\u1ed9t th\u1ebb chuy\u00ean d\u1ee5ng; Chuy\u1ec3n ti\u1ec1n th\u00f4ng qua ACH ho\u1eb7c chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng ho\u1eb7c thanh to\u00e1n h\u00f3a \u0111\u01a1n.<\/span><\/p>\n

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\u0110i\u1ec1u \u0111\u1ea7u ti\u00ean \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng v\u1edbi nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh quy m\u00f4 v\u1eeba b\u1edfi n\u00f3 cho ph\u00e9p h\u1ecd ti\u1ebfp c\u1eadn t\u1edbi m\u1ed9t nh\u00f3m kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng m\u1edbi. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi nh\u00f3m c\u00e1c doanh nghi\u1ec7p nh\u1ecf, l\u00e0 nh\u00e0 b\u00e1n h\u00e0ng tr\u00ean Amazon hay kh\u00e1ch h\u00e0ng c\u1ee7a Stripe, s\u1ef1 ti\u1ebfp c\u1eadn tr\u1ef1c ti\u1ebfp n\u00e0y kh\u00f4ng mang l\u1ea1i t\u00e1c d\u1ee5ng.<\/span><\/p>\n

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Kh\u1ea3 n\u0103ng c\u1ee7a Amazon v\u00e0 Stripe trong vi\u1ec7c t\u00edch h\u1ee3p c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng ( t\u00e0i kho\u1ea3n ti\u1ec1n g\u1eedi v\u00e0 c\u00e1c kho\u1ea3n vay) v\u00e0o nh\u1eefng d\u1ecbch v\u1ee5 s\u1eb5n c\u00f3 c\u1ee7a h\u1ecd mang l\u1ea1i cho nh\u1eefng doanh nghi\u1ec7p c\u0169ng nh\u01b0 \u0111\u1ed1i t\u00e1c c\u1ee7a h\u1ecd m\u1ed9t l\u1ee3i th\u1ebf l\u1edbn. Nh\u1eefng doanh nghi\u1ec7p hay \u0111\u1ed1i t\u00e1c n\u00e0y c\u00f3 quy\u1ec1n truy c\u1eadp li\u00ean t\u1ee5c v\u00e0o d\u1eef li\u1ec7u v\u1ec1 nh\u00e0 b\u00e1n h\u00e0ng c\u0169ng nh\u01b0 kh\u00f4ng ph\u1ea3i tr\u1ea3 chi ph\u00ed cho vi\u1ec7c mua l\u1ea1i nh\u1eefng s\u1ea3n ph\u1ea9m \u0111\u00f3.\u00a0<\/span><\/p>\n

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Theo quan \u0111i\u1ec3m v\u1ec1 chu\u1ed7i gi\u00e1 tr\u1ecb c\u1ee7a doanh nghi\u1ec7p nh\u1ecf, Amazon, Stripe hay th\u1eadm ch\u00ed Square tham gia v\u00e0o \u0111i\u1ec3m b\u00e1n h\u00e0ng ho\u1eb7c ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n n\u1eb1m \u1edf gi\u1eefa chu\u1ed7i gi\u00e1 tr\u1ecb. Nh\u1eefng ho\u1ea1t \u0111\u1ed9ng t\u1eeb l\u00fac b\u1eaft \u0111\u1ea7u chu\u1ed7i gi\u00e1 tr\u1ecb nh\u01b0 s\u1ef1 s\u1ea3n xu\u1ea5t, qu\u1ea3n l\u00fd h\u00e0ng t\u1ed5n kho, tr\u1ea3 l\u01b0\u01a1ng,\u2026 v\u00e0 sau khi thanh to\u00e1n trong chu\u1ed7i gi\u00e1 tr\u1ecb nh\u01b0 l\u1eadp h\u00f3a \u0111\u01a1n, kho\u1ea3n ph\u1ea3i thu,\u2026 th\u01b0\u1eddng kh\u00f4ng c\u00f3 s\u1ef1 tham gia c\u1ee7a Amazon, Stripe v\u00e0 Square.\u00a0<\/span><\/p>\n

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Ngo\u00e0i ra, theo m\u1ed9t nghi\u00ean c\u1ee9u v\u1ec1 c\u00e1c doanh nghi\u1ec7p nh\u1ecf c\u1ee7a Cornerstone Advisors, c\u00e1c doanh nghi\u1ec7p nh\u1ecf trung b\u00ecnh ch\u1ea5p nh\u1eadn 11 h\u00ecnh th\u1ee9c thanh to\u00e1n \u2013 h\u1ea7u h\u1ebft \u0111\u1ec1u kh\u00f4ng do Stripe hay Square cung c\u1ea5p. Nghi\u00ean c\u1ee9u n\u00e0y c\u0169ng cho th\u1ea5y c\u00e1c doanh nghi\u1ec7p nh\u1ecf chi ti\u00eau h\u01a1n 500 t\u1ef7 USD cho d\u1ecbch v\u1ee5 k\u1ebf to\u00e1n, l\u00e0m s\u1ed5 s\u00e1ch, l\u1eadp h\u00f3a \u0111\u01a1n, thanh to\u00e1n h\u00f3a \u0111\u01a1n v\u00e0 ch\u1ea5p nh\u1eadn thanh to\u00e1n t\u1eeb c\u00e1c b\u00ean th\u1ee9 ba.<\/span><\/p>\n

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\"xu C\u00e1c doanh nghi\u1ec7p nh\u1ecf chi h\u01a1n 500 t\u1ef7 USD cho c\u00e1c d\u1ecbch v\u1ee5 k\u1ebf to\u00e1n v\u00e0 thanh to\u00e1n<\/em><\/p>\n

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Nhi\u1ec1u doanh nhi\u1ec7p nh\u1ecf \u0111\u00e3 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c nh\u1eadn c\u00e1c d\u1ecbch v\u1ee5 k\u1ebf to\u00e1n v\u00e0 thanh to\u00e1n t\u1eeb ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 nh\u1eefng doanh nhi\u1ec7p kh\u00f4ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 t\u1eeb c\u00e1c b\u00ean th\u1ee9 ba m\u00e0 thay v\u00e0o \u0111\u00f3 ch\u1ecbu chi ph\u00ed n\u1ed9i b\u1ed9 cho b\u1ed9 ph\u1eadn k\u1ebf to\u00e1n v\u00e0 thanh to\u00e1n c\u1ee7a h\u1ecd.<\/span><\/p>\n

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\u0110\u1ec3 c\u1ea1nh tranh v\u1edbi Amazon, Stripe v\u00e0 Square, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u1ea7n tham gia v\u00e0o chu\u1ed7i gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf. Hai c\u00f4ng ty Fintech cung c\u1ea5p ph\u01b0\u01a1ng ph\u00e1p cho \u0111i\u1ec1u n\u00e0y nh\u01b0 sau: Autobooks cung c\u1ea5p d\u1ecbch v\u1ee5 ch\u00eca kh\u00f3a trao tay cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u1ec3 g\u1eafn nh\u00e3n tr\u1eafng cho c\u00e1c h\u1ec7 th\u1ed1ng k\u1ebf to\u00e1n, l\u1eadp h\u00f3a \u0111\u01a1n, thanh to\u00e1n h\u00f3a \u0111\u01a1n v\u00e0 ch\u1ea5p nh\u1eadn thanh to\u00e1n c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf. Nav h\u1ee3p t\u00e1c v\u1edbi \u0111i\u1ec3m b\u00e1n l\u1ebb POS ( nh\u01b0 Fiserv\u2019s Clover) v\u00e0 c\u00e1c h\u1ec7 th\u1ed1ng k\u1ebf to\u00e1n cho ph\u00e9p c\u00e1c \u0111\u1ed1i t\u00e1c c\u1ee7a m\u00ecnh x\u00e1c \u0111\u1ecbnh c\u01a1 h\u1ed9i cho vay c\u0169ng nh\u01b0 truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u c\u1ee7a c\u00e1c doanh nghi\u1ec7p \u0111\u1ec3 \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh cho vay.<\/span><\/p>\n

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2. \u00c1p d\u1ee5ng Fintech trong vi\u1ec7c tr\u1ea3 l\u01b0\u01a1ng \u0111ang d\u1ea7n nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 ch\u00fa \u00fd<\/b><\/h2>\n

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\u0110\u1ebfn nay, s\u1ef1 c\u1ea1nh tranh trong vi\u1ec7c thu h\u00fat c\u00e1c kho\u1ea3n ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng t\u1eadp trung \u1edf c\u00e1c kho\u1ea3n thanh to\u00e1n \u2013 d\u01b0\u1edbi d\u1ea1ng t\u00e0i kho\u1ea3n chi ti\u00eau ( v\u00ed d\u1ee5: challenger banks) ho\u1eb7c t\u1ef1 thanh to\u00e1n ( v\u00ed d\u1ee5: P2P, thanh to\u00e1n di \u0111\u1ed9ng). S\u1ef1 c\u1ea1nh tranh n\u00e0y c\u0169ng th\u1ee9c \u0111\u1ea9y s\u1ef1 gia t\u0103ng c\u1ee7a chu\u1ed7i gi\u00e1 tr\u1ecb v\u1ec1 vi\u1ec7c tr\u1ea3 ti\u1ec1n l\u01b0\u01a1ng.<\/span><\/p>\n

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WhiteSight x\u00e1c \u0111\u1ecbnh 4 t\u00ednh n\u0103ng m\u00e0 Fintechs \u00e1p d\u1ee5ng trong vi\u1ec7c tr\u1ea3 l\u01b0\u01a1ng nh\u01b0 sau:<\/span><\/p>\n

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\u0110\u1ea7u ti\u00ean, l\u01b0\u01a1ng theo nhu c\u1ea7u: Fintechs c\u00f3 th\u1ec3 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c t\u1eadp \u0111o\u00e0n, c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 nh\u00e2n s\u1ef1 v\u00e0 h\u1ec7 th\u1ed1ng tr\u1ea3 l\u01b0\u01a1ng \u0111\u1ec3 cho ph\u00e9p vi\u1ec7c ti\u1ebfp c\u1eadn m\u1ed9t c\u00e1ch linh ho\u1ea1t t\u1edbi m\u1ee9c l\u01b0\u01a1ng ki\u1ebfm \u0111\u01b0\u1ee3c.<\/span><\/p>\n

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Th\u1ee9 hai, t\u1ea1m \u1ee9ng ti\u1ec1n l\u01b0\u01a1ng: Fintechs cung c\u1ea5p t\u00edn d\u1ee5ng ng\u1eafn h\u1ea1n cho nh\u00e2n vi\u00ean d\u1ef1a tr\u00ean m\u1ee9c l\u01b0\u01a1ng c\u1ee7a h\u1ecd, t\u1eeb \u0111\u00f3 tr\u00e1nh \u0111\u01b0\u1ee3c vi\u1ec7c cho vay v\u1edbi m\u1ee9c l\u00e3i su\u1ea5t \u201c c\u1eaft c\u1ed5\u201d t\u1eeb c\u00e1c c\u00f4ng ty cho vay ng\u1eafn h\u1ea1n, vay \u201c n\u00f3ng\u201d.<\/span><\/p>\n

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Th\u1ee9 ba, tr\u1ea3 l\u01b0\u01a1ng s\u1edbm: C\u00e1c ng\u00e2n h\u00e0ng c\u00f4ng ngh\u1ec7 m\u1edbi hay ng\u00e2n h\u00e0ng th\u00e1ch th\u1ee9c (Challenger Banks) th\u01b0\u1eddng cung c\u1ea5p d\u1ecbch v\u1ee5 tr\u1ea3 l\u01b0\u01a1ng s\u1edbm khi cho ph\u00e9p ch\u1ee7 t\u00e0i kho\u1ea3n nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n l\u01b0\u01a1ng tr\u01b0\u1edbc hai ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y l\u0129nh l\u01b0\u01a1ng theo quy \u0111\u1ecbnh.<\/span><\/p>\n

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Cu\u1ed1i c\u00f9ng l\u00e0 b\u1ea3ng l\u01b0\u01a1ng ti\u1ec1n \u0111i\u1ec7n t\u1eed: \u0110\u00e2y l\u00e0 t\u00ednh n\u0103ng m\u1edbi nh\u1ea5t, cho ph\u00e9p c\u00e1c c\u00f4ng ty thanh to\u00e1n ti\u1ec1n l\u01b0\u01a1ng th\u00f4ng qua nhi\u1ec1u lo\u1ea1i ti\u1ec1n \u0111i\u1ec7n t\u1eed.<\/span><\/p>\n

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\"xu<\/p>\n

\u1ee8ng d\u1ee5ng Fintech trong tr\u1ea3 l\u01b0\u01a1ng ng\u00e0y c\u00e0ng \u0111\u01b0\u1ee3c quan t\u00e2m<\/em><\/p>\n

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Nh\u1eefng ng\u01b0\u1eddi \u1ee7ng h\u1ed9 xu h\u01b0\u1edbng fintech tr\u1ea3 l\u01b0\u01a1ng th\u01b0\u1eddng \u0111\u1ec1 c\u1eadp v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y t\u1eeb kh\u00eda c\u1ea1nh s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh. Nh\u01b0ng, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 s\u1ef1 canh tranh trong vi\u1ec7c tham gia chu\u1ed7i gi\u00e1 ch\u1ecb c\u1ee7a c\u00e1c doanh nghi\u1ec7p nh\u1ecf, fintech tr\u1ea3 l\u01b0\u01a1ng th\u1ef1c s\u1ef1 l\u00e0 m\u1ed9t cu\u1ed9c chi\u1ebfn \u0111\u1ec3 n\u00e2ng cao chu\u1ed7i gi\u00e1 tr\u1ecb ti\u1ec1n g\u1eedi v\u00e0 thanh to\u00e1n.<\/span><\/p>\n

 <\/p>\n

C\u00e1c c\u00f4ng ty fintech tr\u1ea3 l\u01b0\u01a1ng cung c\u1ea5p cho ng\u00e2n h\u00e0ng v\u00e0 Fintechs kh\u1ea3 n\u0103ng chuy\u1ec3n h\u01b0\u1edbng c\u00e1c kho\u1ea3n thanh to\u00e1n ra kh\u1ecfi t\u00e0i kho\u1ea3n v\u00e3ng lai ( v\u00ed d\u1ee5 nh\u01b0 chuy\u00ean ti\u1ec1n g\u1eedi) v\u00e0 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n, cho vay.<\/span><\/p>\n

 <\/p>\n

Nh\u1eefng nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 tr\u1ea3 l\u01b0\u01a1ng l\u1edbn nh\u01b0 ADP \u0111\u00e3 g\u1eb7p kh\u00f3 kh\u0103n trong nhi\u1ec1u n\u0103m \u0111\u1ec3 m\u1edf r\u1ed9ng m\u1ed1i quan h\u1ec7 v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u1eadn ti\u1ec1n l\u01b0\u01a1ng t\u1eeb h\u1ecd. Nhi\u1ec1u c\u00f4ng ty Big Tech v\u1eabn ch\u01b0a c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 tr\u1ea3 l\u01b0\u01a1ng.<\/span><\/p>\n

 <\/p>\n

Nhi\u1ec1u mong \u0111\u1ee3i cho vi\u1ec7c fintech tr\u1ea3 l\u01b0\u01a1ng s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ef1 ch\u00fa \u00fd h\u01a1n trong n\u0103m 2021 \u2013 m\u1eb7c d\u00f9 s\u1ebd c\u00f3 r\u1ea5t nhi\u1ec1u cu\u1ed9c th\u1ea3o lu\u1eadn t\u1eadp trung v\u00e0o s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh. Anish Acharya, Seema Amble v\u00e0n Rex Salisbury \u0111\u00e3 \u0111\u1ec1 c\u1eadp trong m\u1ed9t b\u00e0i vi\u1ebft c\u1ee7a h\u1ecd v\u1ec1 vi\u1ec7c cam k\u1ebft trong API tr\u1ea3 l\u01b0\u01a1ng, bao g\u1ed3m: X\u00e1c minh thu nh\u1eadp v\u00e0 vi\u1ec7c l\u00e0m; Chuy\u1ec3n \u0111\u1ed5i ti\u1ec1n g\u1eedi tr\u1ef1c ti\u1ebfp; Cho vay \u0111i k\u00e8m v\u1edbi b\u1ea3ng l\u01b0\u01a1ng; Ti\u1ebfp c\u1eadn nh\u00e2n s\u1ef1 v\u00e0 b\u1ea3ng l\u01b0\u01a1ng B2B.<\/span><\/p>\n

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C\u00f4ng ngh\u1ec7 tr\u1ea3 l\u01b0\u01a1ng s\u1ebd l\u00e0 m\u1ed9t cu\u1ed9c c\u1ea1nh tranh m\u1edbi trong n\u0103m 2021.<\/span><\/p>\n

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3. S\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u s\u1ef1 ch\u00fa \u00fd<\/b><\/h2>\n

 <\/p>\n

M\u1ed7i n\u0103m, nh\u1eefng ng\u01b0\u1eddi \u1ee7ng h\u1ed9 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh th\u01b0\u1eddng th\u00fac \u0111\u1ea9y ng\u00e0nh c\u00f4ng nghi\u1ec7p t\u1eadp trung v\u00e0o s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. N\u0103m 2021, s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh s\u1ebd \u0111\u01b0\u1ee3c s\u1ebd \u0111\u01b0\u1ee3c ch\u00fa tr\u1ecdng theo nh\u1eefng l\u00fd do \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp ti\u1ebfp \u0111\u00e2y.<\/span><\/p>\n

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Th\u1ee9 nh\u1ea5t, c\u00e1c c\u00f4ng ty theo xu h\u01b0\u1edbng Fintech \u0111ang ng\u00e0y c\u00e0ng quan t\u00e2m \u0111\u1ebfn s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng. Nh\u1eefng nh\u00e0 ch\u1ee9c tr\u00e1nh \u0111\u01b0\u01a1ng nhi\u1ec7m kh\u00f4ng th\u1ef1c s\u1ef1 ch\u00fa \u00fd \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y, tuy nhi\u00ean, ch\u00ednh quy\u1ec1n s\u1eafp t\u1edbi \u1edf Nh\u00e0 Tr\u1eafng, \u0111\u1ec3 th\u1ec3 hi\u1ec7n s\u1ef1 quan t\u00e2m \u0111\u1ebfn x\u00e3 h\u1ed9i c\u0169ng nh\u01b0 s\u1ef1 \u0111\u00f3ng g\u00f3p \u2013 t\u1edbi nhi\u1ec1u ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p, s\u1ebd \u01b0u ti\u00ean quan t\u00e2m \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh nhi\u1ec1u h\u01a1n.<\/span><\/p>\n

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Th\u1ee9 hai, nh\u1eefng ch\u1ec9 s\u1ed1 v\u1ec1 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh \u0111anng \u0111\u01b0\u1ee3c l\u00e0m r\u00f5 h\u01a1n. Ch\u1ee7 \u0111\u1ec1 v\u1ec1 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh th\u01b0\u1eddng b\u1ecb chi ph\u1ed1i b\u1edfi nh\u1eefng cu\u1ed9c th\u1ea3o lu\u1eadn v\u1ec1 hi\u1ec3u bi\u1ebft t\u00e0i ch\u00ednh \u2013 tuy nhi\u00ean h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f3 t\u00e1c d\u1ee5ng. \u0110\u1ecbnh l\u01b0\u1ee3ng s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh v\u1eabn \u0111ang l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c b\u1edfi v\u00ec ph\u01b0\u01a1ng ph\u00e1p t\u1ef1 b\u00e1o c\u00e1o th\u01b0\u1eddng kh\u00f4ng \u0111\u00e1ng tin c\u1eady. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 c\u00f4ng ty \u2013 nh\u01b0 Financial Health Network v\u00e0 MX \u2013 \u0111ang ph\u00e1t tri\u1ec3n ch\u1ec9 s\u1ed1 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh theo m\u00f4 h\u00ecnh chu\u1ea9n m\u1ea1nh (Robust) d\u1ef1a tr\u00ean d\u1eef li\u1ec7u t\u00e0i kho\u1ea3n th\u1ef1c t\u1ebf.<\/span><\/p>\n

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Th\u1ee9 ba, s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh s\u1ebd \u0111\u01b0\u1ee3c \u0111i\u1ec3u ch\u1ec9nh b\u1edfi nh\u1eefng bi\u1ec7n ph\u00e1p qu\u1ea3n l\u00fd m\u1edbi, \u0111\u1ec3 y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng gi\u00e1m s\u00e1t v\u00e0 c\u1ea3i thi\u1ec7n m\u1ee9c \u0111\u1ed9 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng. G\u1ea7n \u0111\u00e2y, Todd Baker v\u00e0 Corey Stone \u0111\u1ec1 xu\u1ea5t m\u1ed9t s\u1ed1 \u00fd t\u01b0\u1edfng. \u0110i\u1ec1u \u0111\u1ea7u ti\u00ean trong c\u00e1c \u0111\u1ec1 xu\u1ea5t c\u1ee7a h\u1ecd l\u00e0 y\u00eau c\u1ea7u nh\u1eefng nh\u00e0 cung c\u1ea5p \u0111\u01b0a ra c\u00e1c d\u1eef li\u1ec7u cho nh\u1eefng nh\u00e0 qu\u1ea3n l\u00fd. T\u1eeb \u0111\u00f3,\u00a0 nh\u00e0 qu\u1ea3n l\u00fd c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u \u0111\u1ec3 ph\u00e2n t\u00edch v\u00e0 \u0111o l\u01b0\u1eddng s\u1ef1 thay \u0111\u1ed5i trong s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng.<\/span><\/p>\n

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\"xu Nhi\u1ec1u n\u1ec1n t\u1ea3ng s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng t\u1eeb c\u00e1c d\u1eef li\u1ec7u minh b\u1ea1ch v\u00e0 ch\u00ednh x\u00e1c h\u01a1n<\/em><\/p>\n

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S\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a nh\u1eefng \u0111i\u1ec1u tr\u00ean s\u1ebd th\u00fac \u0111\u1ea9y s\u1ef1 \u0111\u1ed5i m\u1edbi trong c\u1ed9ng \u0111\u1ed3ng Fintech \u0111\u1ec3 x\u00e2y d\u1ef1ng nh\u1eefng n\u1ec1n t\u1ea3ng s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh.<\/span><\/p>\n

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4. S\u1ef1 n\u1ed5i l\u00ean c\u1ee7a n\u1ec1n t\u1ea3ng \u201c Fintech \u2013 as \u2013 a \u2013 service\u201d<\/b><\/h2>\n

 <\/p>\n

Hi\u1ec7n nay t\u1ed3n t\u1ea1i s\u1ef1 thi\u1ebfu c\u00e2n b\u1eb1ng cung v\u00e0 c\u1ea7u tr\u00ean th\u1ecb tr\u01b0\u1eddng. C\u00f3 r\u1ea5t nhi\u1ec1u Fintech mu\u1ed1n h\u1ee3p t\u00e1c v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, nh\u01b0ng r\u1ea5t \u00edt ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c trang b\u1ecb \u0111\u1ec3 h\u1ee3p t\u00e1c v\u1edbi Fintechs.<\/span><\/p>\n

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\u0110i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn s\u1ef1 c\u1ea7n thi\u1ebft c\u1ee7a n\u1ec1n t\u1ea3ng t\u00edch h\u1ee3p \u201cFintech \u2013 as \u2013 a \u2013 service\u201d. \u0110\u00e2y kh\u00f4ng ph\u1ea3i thu\u1eadt ng\u1eef m\u1edbi, n\u00f3 th\u01b0\u1eddng \u0111\u01b0\u1ee3c m\u1ed9t c\u00f4ng ty fintech \u0111\u1ec1 c\u1eadp v\u1ec1 c\u00e1ch h\u1ecd c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng API \u0111\u1ec3 t\u00edch h\u1ee3p d\u1ecbch v\u1ee5 c\u1ee7a m\u00ecnh v\u00e0o c\u00e1c fintech \u0111\u01b0\u01a1ng nhi\u1ec7m ho\u1eb7c c\u00e1c fintech kh\u00e1c.<\/span><\/p>\n

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Tuy nhi\u00ean, n\u00f3 kh\u00f4ng ph\u1ea3i n\u1ec1n t\u1ea3ng \u201cFintech \u2013 as \u2013 a \u2013 service\u201d. Thay v\u00e0o \u0111\u00f3, n\u00f3 li\u00ean quan \u0111\u1ebfn \u201cBanking \u2013 as \u2013 a \u2013 service\u201d. \u201cBanking \u2013 as \u2013 a \u2013 service\u201d \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t thu\u1eadt ng\u1eef (v\u00e0 d\u1ecbch v\u1ee5) ph\u1ed5 bi\u1ebfn v\u00e0 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c cho ph\u00e9p m\u1ed9t c\u00f4ng ty \u2013 th\u01b0\u1eddng l\u00e0 m\u1ed9t n\u1ec1n t\u1ea3ng, \u0111\u1ec3 t\u00edch h\u1ee3p c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng v\u00e0o d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd.<\/span><\/p>\n

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\"xu Ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng t\u00edch h\u1ee3p c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a Fintech<\/em><\/p>\n

 <\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, h\u00e0ng tr\u0103m ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng \u0111o\u00e0n t\u00edn d\u1ee5ng quy m\u00f4 v\u1eeba mu\u1ed1n h\u1ee3p t\u00e1c theo xu h\u01b0\u1edbng fintech th\u00ec sao? V\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n l\u00e0 s\u1ef1 c\u00f3 h\u1ea1n trong ngu\u1ed3n l\u1ef1c \u0111\u1ec3 ph\u00e1t tri\u1ec3n quan h\u1ec7 \u0111\u1ed1i t\u00e1c. Vi\u1ec7c t\u00edch h\u1ee3p ph\u1ea7n c\u1ed1t l\u00f5i l\u00e0 m\u1ed9t c\u00f4ng vi\u1ec7c ph\u1ee9c t\u1ea1p v\u00e0 c\u1ea7n nhi\u1ec1u th\u1eddi gian \u0111\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn kh\u00e1c.<\/span><\/p>\n

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C\u00e1c c\u00f4ng ty nh\u01b0 Moov, Unit v\u00e0 Synctera s\u1ebd cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng cung c\u1ea5p nhi\u1ec1u lo\u1ea1i d\u1ecbch v\u1ee5, v\u00ed d\u1ee5 nh\u01b0 qu\u00e1 tr\u00ecnh x\u1eed l\u00fd ACH, qu\u00e1 tr\u00ecnh giao d\u1ecbch, \u2026 cho Fintechs theo c\u00e1ch c\u00f3 h\u1ec7 th\u1ed1ng h\u01a1n.<\/span><\/p>\n

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K\u1ebft qu\u1ea3 l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd nh\u1eadn th\u1ea5y d\u1ec5 d\u00e0ng h\u01a1n v\u00e0 quan tr\u1ecdng h\u01a1n l\u00e0, vi\u1ec7c h\u1ee3p t\u00e1c v\u1edbi c\u00e1c Fintech s\u1ebd nhanh ch\u00f3ng h\u01a1n.<\/span><\/p>\n

 <\/p>\n

5. C\u00e1c ng\u00e2n h\u00e0ng t\u0103ng c\u01b0\u1eddng gi\u1ea3i ph\u00e1p thay th\u1ebf c\u1ed1t l\u00f5i \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi Fintech<\/b><\/h2>\n

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R\u1ea5t nhi\u1ec1u CEO ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng cho r\u1eb1ng h\u1ec7 th\u1ed1ng c\u1ed1t l\u00f5i l\u00e0 r\u00e0o c\u1ea3n l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi s\u1ef1 \u0111\u1ed5i m\u1edbi c\u1ee7a h\u1ecd. Tuy nhi\u00ean, h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 k\u1ebf ho\u1ea1ch n\u00e0o \u0111\u01b0\u1ee3c l\u1eadp ra \u0111\u1ec3 thay th\u1ebf l\u00f5i c\u1ee7a h\u1ecd v\u00ec qu\u00e1 ch\u1eadm v\u00e0 t\u1ed1n k\u00e9m.<\/span><\/p>\n

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Vi\u1ec7c t\u00ecm ki\u1ebfm c\u00e1c gi\u1ea3i ph\u00e1p thay th\u1ebf cho h\u1ec7 th\u1ed1ng c\u1ed1t l\u00f5i kh\u00f4ng ph\u1ea3i m\u1edbi. Theo nh\u01b0 \u0111\u1ed1i t\u00e1c c\u1ee7a Cornerstone Advisord, Quintin Skyes n\u00f3i r\u1eb1ng: \u201cC\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng c\u1edfi m\u1edf v\u1edbi vi\u1ec7c t\u00edch h\u1ee3p c\u00e1c gi\u1ea3i ph\u00e1p t\u1ed1t nh\u1ea5t theo \u0111u\u1ed5i chi\u1ebfn l\u01b0\u1ee3c n\u00e0y. T\u00f4i g\u1ecdi \u0111\u00f3 l\u00e0 \u2018bi\u1ebfn c\u1ed1t l\u00f5i th\u00e0nh c\u1ed7 m\u00e1y b\u1ed5 sung \u0111\u00e1ng ca ng\u1ee3i\u2019. \u0110\u00f3 l\u00e0 m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn kh\u1ea3 thi cho c\u00e1c t\u1ed5 ch\u1ee9c c\u00f3 kh\u1ea3 n\u0103ng t\u00edch h\u1ee3p v\u00e0 qu\u1ea3n l\u00fd nhi\u1ec1u nh\u00e0 cung c\u1ea5p\u201d.<\/span><\/p>\n

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M\u1eb7c d\u00f9 trong v\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y, m\u1ed9t s\u1ed1 Fintechs \u0111\u00e3 xu\u1ea5t hi\u1ec7n \u0111\u1ec3 gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh th\u1ef1c hi\u1ec7n chi\u1ebfn l\u01b0\u1ee3c n\u00e0y, nh\u1eefng d\u1ef1 ki\u1ebfn n\u0103m 2021 s\u1ebd ch\u1ee9ng ki\u1ebfn nhu c\u1ea7u m\u1ea1nh m\u1ebd v\u1edbi ba lo\u1ea1i nh\u00e0 cung c\u1ea5p fintech sau \u0111\u00e2y.<\/span><\/p>\n

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Th\u1ee9 nh\u1ea5t, c\u00e1c nh\u00e0 cung c\u1ea5p l\u00f5i t\u00edch h\u1ee3p. Nh\u1eefng c\u00f4ng ty nh\u01b0 Constellation, Sherpa Technologies v\u00e0 Sandbox Banking \u0111\u00e3 cung c\u1ea5p c\u00e1c n\u1ec1n t\u1ea3ng l\u00f5i t\u00edch h\u1ee3p trong v\u00e0i n\u0103m qua. N\u1ec1n t\u1ea3ng n\u00e0y cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 li\u00ean hi\u1ec7p t\u00edn d\u1ee5ng t\u00edch h\u1ee3p t\u1ed1t h\u01a1n v\u1edbi \u2013 nh\u01b0ng c\u00f3 kh\u1ea3 n\u0103ng di chuy\u1ec3n ra, h\u1ec7 th\u1ed1ng c\u1ed1t l\u00f5i c\u1ee7a h\u1ecd.<\/span><\/p>\n

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Th\u1ee9 hai, c\u00e1c trung t\u00e2m thanh to\u00e1n. C\u00e1c Fintechs nh\u01b0 Payrailz v\u00e0 Finzly (g\u1ea7n \u0111\u00e2y \u0111\u00e3 gi\u00e0nh \u0111\u01b0\u1ee3c hai gi\u1ea3i xu\u1ea5t s\u1eafc nh\u1ea5t t\u1ea1i Finovate) kh\u00f4ng ch\u1ec9 cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u1ecbnh tuy\u1ebfn thanh to\u00e1n m\u1ed9t c\u00e1ch th\u00f4ng minh \u0111\u1ebfn c\u01a1 ch\u1ebf thanh to\u00e1n t\u1ed1i \u01b0u, m\u00e0 c\u00f2n gi\u00fap h\u1ecd gi\u1ea3m t\u1ea3i c\u00e1c giao d\u1ecbch kh\u1ecfi qu\u00e1 tr\u00ecnh x\u1eed l\u00fd c\u1ed1t l\u00f5i.<\/span><\/p>\n

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Th\u1ee9 ba, c\u00e1c l\u00f5i k\u1ef9 thu\u1eadt s\u1ed1. C\u00e1c c\u00f4ng ty nh\u01b0 Finxact, Q2 v\u00e0 NYMBUS \u0111\u00e3 v\u00e0 \u0111ang gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh tri\u1ec3n khai ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1. \u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c, \u0111\u00e2y l\u00e0 nh\u1eefng n\u1ed5 l\u1ef1c y\u1ebfu k\u00e9m \u0111\u1ec3 t\u00e1i t\u1ea1o l\u1ea1i th\u00e0nh c\u00f4ng cho nh\u1eefng ng\u00e2n h\u00e0ng th\u00e1ch th\u1ee9c. Tuy nhi\u00ean, nh\u1eefng t\u1ed5 ch\u1ee9c c\u00f3 t\u1ea7m nh\u00ecn h\u01a1n, nh\u1eadn ra r\u1eb1ng l\u00f5i k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 c\u00e1ch t\u1ed1t \u0111\u1ec3 t\u1ea1o ra v\u00e0 tri\u1ec3n khai c\u00e1c s\u1ea3n ph\u1ea9m c\u0169ng nh\u01b0 d\u1ecbch v\u1ee5 m\u1edbi m\u00e0 s\u1ebd m\u1ea5t nhi\u1ec1u n\u0103m h\u01a1n n\u1ebfu h\u1ecd d\u00f9ng h\u1ec7 th\u1ed1ng c\u1ed1t l\u00f5i hi\u1ec7n c\u00f3 c\u1ee7a m\u00ecnh.<\/span><\/p>\n

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\"xu Nhi\u1ec1u ng\u00e2n h\u00e0ng c\u1edfi m\u1edf v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p h\u1ec7 th\u1ed1ng c\u1ed1t l\u00f5i t\u1eeb Fintechs<\/em><\/p>\n

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C\u00e1c gi\u1ea3i ph\u00e1p c\u1ed1t l\u00f5i c\u00f3 th\u1ec3 kh\u00f4ng m\u1edbi, nh\u1eefng \u1edf m\u1ed9t s\u1ed1 kh\u00eda c\u1ea1nh, ch\u00fang gi\u1ed1ng nh\u01b0 hai xu h\u01b0\u1edbng \u0111\u1ea7u ti\u00ean, l\u00e0m gi\u00e1n \u0111o\u1ea1n chu\u1ed7i gi\u00e1 tr\u1ecb. Tuy nhi\u00ean, nh\u00ecn chung \u0111\u00e2y s\u1ebd l\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng Fintech<\/strong><\/a> n\u0103m 2021: S\u1ef1 gi\u00e1n \u0111o\u1ea1n c\u1ee7a chu\u1ed7i gi\u00e1 tr\u1ecb.<\/span><\/p>\n

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Innotech Vietnam<\/strong><\/a> lu\u00f4n n\u1ed7 l\u1ef1c ph\u00e1t tri\u1ec3n c\u0169ng nh\u01b0 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng nh\u1eefng d\u1ecbch v\u1ee5 c\u0169ng nh\u01b0 gi\u1ea3i ph\u00e1p t\u1ed1t nh\u1ea5t v\u1ec1 Fintech. Nh\u1eefng doanh nghi\u1ec7p l\u1edbn nh\u01b0 ACB, Tyme Bank, Manulife, Unifimoney<\/a>,\u2026 \u0111\u00e3 tin t\u01b0\u1edfng v\u00e0 l\u1ef1a ch\u1ecdn h\u1ee3p t\u00e1c c\u00f9ng Innotech trong nhi\u1ec1u d\u1ef1 \u00e1n. <\/span><\/p>\n

N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t gi\u1ea3i ph\u00e1p v\u1ec1 Fintech software Outsourcing<\/strong><\/a>, h\u00e3y li\u00ean h\u1ec7 v\u1edbi Innotech Vietnam \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 tr\u1ee3 gi\u00fap.<\/span><\/p>\n

Email:\u00a0info@innotech-vn.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"

S\u1ef1 ph\u00e1t tri\u1ec3n v\u01b0\u1ee3t b\u1eadc c\u1ee7a c\u00f4ng ngh\u1ec7 th\u00f4ng tin c\u0169ng nh\u01b0 Internet \u0111ang ng\u00e0y c\u00e0ng t\u1ea1o ra nhi\u1ec1u ti\u1ec7n \u00edch, gi\u00fap \u0111\u01a1n gi\u1ea3n h\u00f3a cu\u1ed9c s\u1ed1ng c\u1ee7a con ng\u01b0\u1eddi. Trong \u0111\u00f3, nhi\u1ec1u c\u00f4ng ty c\u00f4ng ngh\u1ec7 c\u1eadp nh\u1eadt xu h\u01b0\u1edbng fintech, \u1ee9ng d\u1ee5ng nh\u1eefng ph\u1ea7n m\u1ec1m c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh v\u00e0o ng\u00e0nh ng\u00e2n h\u00e0ng […]<\/p>","protected":false},"author":2,"featured_media":11264,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[190],"tags":[],"yst_prominent_words":[732,942,761,1102,997,563,577,2754,560],"publishpress_future_action":{"enabled":false,"date":"2025-04-09 19:11:05","action":"draft","terms":[],"taxonomy":"category"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/11249"}],"collection":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/comments?post=11249"}],"version-history":[{"count":7,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/11249\/revisions"}],"predecessor-version":[{"id":11692,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/11249\/revisions\/11692"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/media\/11264"}],"wp:attachment":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/media?parent=11249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/categories?post=11249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/tags?post=11249"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/yst_prominent_words?post=11249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}