{"id":4321,"date":"2019-12-24T09:29:38","date_gmt":"2019-12-24T09:29:38","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=4321"},"modified":"2020-03-23T08:50:05","modified_gmt":"2020-03-23T08:50:05","slug":"4-thach-thuc-digital-transformation-ngan-hang-phai-doi-mat","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/4-thach-thuc-digital-transformation-ngan-hang-phai-doi-mat\/","title":{"rendered":"4 Th\u00e1ch Th\u1ee9c Digital Transformation Ng\u00e2n H\u00e0ng Ph\u1ea3i \u0110\u1ed1i M\u1eb7t"},"content":{"rendered":"
Digital transformation<\/a><\/strong> l\u00e0 \u00e1p l\u1ef1c c\u1ea7n ph\u1ea3i ph\u00e1t tri\u1ec3n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 t\u1ea1o ra m\u00f4i tr\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng t\u1ed1t h\u01a1n, \u0111\u00e1p \u1ee9ng k\u1ecbp th\u1eddi c\u00e1c nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 v\u1eadn h\u00e0nh t\u1ed5 ch\u1ee9c ho\u00e0n h\u1ea3o.<\/span><\/p>\n Trong m\u00f4i tr\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng ph\u1ee9c t\u1ea1p n\u00e0y, d\u01b0\u1edbi \u0111\u00e2y l\u00e0 4 th\u00e1ch th\u1ee9c h\u00e0ng \u0111\u1ea7u v\u1ec1 digital transfrormation c\u00e1c ng\u00e2n h\u00e0ng<\/a><\/strong> \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t:<\/span><\/p>\n <\/p>\n <\/p>\n V\u1edbi c\u00e1c c\u00f4ng ty nh\u01b0 <\/span>Amazon<\/span><\/a> t\u1eadn d\u1ee5ng d\u1eef li\u1ec7u ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u1ed5ng l\u1ed3 c\u1ee7a m\u00ecnh \u0111\u1ec3 t\u1ea1o c\u01a1 h\u1ed9i x\u00e2y d\u1ef1ng ng\u00e2n h\u00e0ng ho\u1eb7c <\/span>Venmo v\u00e0 Facebook<\/span><\/a> cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng chuy\u1ec3n ti\u1ec1n tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi kh\u00e1c. C\u00e1c t\u1ed5 ch\u1ee9c phi t\u00e0i ch\u00ednh n\u00e0y th\u01b0\u1eddng kh\u00f4ng tu\u00e2n theo c\u00e1c quy t\u1eafc v\u00e0 quy \u0111\u1ecbnh nghi\u00eam ng\u1eb7t nh\u01b0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. B\u1edfi v\u00ec \u0111i\u1ec1u n\u00e0y, h\u1ecd c\u00f3 nhi\u1ec1u thu\u1eadn ti\u1ec7n h\u01a1n \u0111\u1ec3 s\u1eed d\u1ee5ng c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng l\u1edbn c\u1ee7a h\u1ecd v\u00e0 b\u1ea3o m\u1eadt \u0111\u1ec3 d\u1ec5 d\u00e0ng c\u1ea1nh tranh h\u01a1n v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng b\u1ecb gi\u1edbi h\u1ea1n b\u1edfi quy \u0111\u1ecbnh c\u1ee7a li\u00ean bang, nh\u00e0 n\u01b0\u1edbc.<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1c nhau v\u1edbi m\u1ee5c \u0111\u00edch kh\u00e1c nhau, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh mu\u1ed1n x\u1eed l\u00fd nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y kh\u00e1c nhau. V\u00ed d\u1ee5, m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng mu\u1ed1n th\u1ef1c hi\u1ec7n t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch c\u1ee7a m\u00ecnh th\u00f4ng qua g\u1eb7p m\u1eb7t tr\u1ef1c ti\u1ebfp, h\u1ecd c\u1ea3m th\u1ea5y nh\u01b0 v\u1eady s\u1ebd an to\u00e0n h\u01a1n. Trong khi m\u1ed9t s\u1ed1 kh\u00e1c, th\u00ec mu\u1ed1n \u0111\u01a1n gi\u1ea3n h\u00f3a qu\u00e1 tr\u00ecnh b\u1eb1ng thao t\u00e1c tr\u00ean \u0111i\u1ec7n tho\u1ea1i v\u1edbi nh\u1eefng giao d\u1ecbch c\u01a1 b\u1ea3n. Tuy nhi\u00ean, h\u1ecd v\u1eabn mu\u1ed1n trao \u0111\u1ed5i tr\u1ef1c ti\u1ebfp cho nh\u1eefng v\u1ea5n \u0111\u1ec1 nh\u01b0 vay th\u1ebf ch\u1ea5p ho\u1eb7c c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0.\u00a0 \u0110\u1ec3 \u0111\u1ed1i ph\u00f3 v\u1edbi th\u00e1ch th\u1ee9c n\u00e0y, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111ang thay \u0111\u1ed5i c\u00e1ch h\u1ecd kinh doanh t\u1ea1o ra m\u1ed9t ng\u00e2n h\u00e0ng v\u1eeba truy\u1ec1n th\u1ed1ng v\u1eeba online. C\u00e1c t\u1ed5 ch\u1ee9c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u0169ng ph\u1ea3i <\/span>hi\u1ec7n \u0111\u1ea1i h\u00f3a<\/span> v\u00e0 t\u1ea1o ra c\u00e1c n\u01a1i l\u00e0m vi\u1ec7c k\u1ef9 thu\u1eadt s\u1ed1 c\u1ed9ng h\u01b0\u1edfng v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c bi\u1ebfn th\u1ec3 c\u1ee7a kh\u00e1ch h\u00e0ng. C\u00f3 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c ho\u00e0n ch\u1ec9nh, \u0111a k\u00eanh l\u00e0 m\u1ed9t \u0111i\u1ec1u c\u1ea7n thi\u1ebft tuy\u1ec7t \u0111\u1ed1i.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n B\u1ea3o m\u1eadt l\u00e0 m\u1ed9t trong nh\u1eefng y\u00eau c\u1ea7u thi\u1ebft y\u1ebfu \u0111\u1ed1i v\u1edbi nh\u1eefng t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng. V\u1edbi s\u1ef1 t\u0103ng tr\u01b0\u1edfng c\u1ee7a n\u1ec1n kinh t\u1ebf to\u00e0n c\u1ea7u s\u1ef1 b\u1ea3o m\u1eadt c\u00e0ng y\u00eau c\u1ea7u kh\u1eafc khe h\u01a1n khi thanh to\u00e1n \u1ea3o, truy c\u1eadp v\u00e0 giao d\u1ecbch \u0111a k\u00eanh c\u00e0ng b\u00f9ng n\u1ed5. M\u1ed9t vi ph\u1ea1m v\u1ec1 b\u1ea3o m\u1eadt trung b\u00ecnh c\u00f3 th\u1ec3 khi\u1ebfn m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng m\u1ea5t kho\u1ea3ng <\/span>225 \u0111\u00f4 la cho m\u1ed7i h\u1ed3 s\u01a1 b\u1ecb x\u00e2m ph\u1ea1m<\/span>. C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng ph\u1ea3i qu\u1ea3n l\u00fd r\u1ee7i ro \u0111\u1ec3 gi\u1ea3m thi\u1ec3u nh\u1eefng tr\u01b0\u1eddng h\u1ee3p l\u1eeba \u0111\u1ea3o. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua c\u1ea3 ph\u00e1t tri\u1ec3n n\u1ed9i b\u1ed9 v\u00e0 th\u00f4ng qua quan h\u1ec7 \u0111\u1ed1i t\u00e1c trong ng\u00e0nh v\u1edbi c\u00e1c nh\u00e0 ch\u1ee9c tr\u00e1ch c\u00f3 li\u00ean quan.<\/span><\/p>\n <\/p>\n <\/p>\n M\u1ed9t th\u00e1ch th\u1ee9c v\u1ec1 digital transformation kh\u00f4ng th\u1ec3 kh\u00f4ng k\u1ec3 \u0111\u1ebfn l\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u00e3 c\u0169. Trong m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c kinh doanh nh\u1ea5t \u0111\u1ecbnh, nh\u1eefng t\u00e0i s\u1ea3n l\u1ed7i th\u1eddi n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt, n\u00e2ng c\u1ea5p ho\u1eb7c thay th\u1ebf ho\u00e0n to\u00e0n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nh\u1eefng th\u00e1ch th\u1ee9c c\u1ee7a th\u1ecb tr\u01b0\u1eddng, nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh m\u1edbi n\u1ed5i. V\u00ec th\u1ebf, vi\u1ec7c n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o v\u1eadn h\u00e0nh cho c\u1ea3 h\u1ec7 th\u1ed1ng c\u0169ng nh\u01b0 \u0111\u00e1p \u1ee9ng c\u1ea3i ti\u1ebfn cho kh\u00e1ch h\u00e0ng l\u00e0 v\u1ea5n \u0111\u1ec1 c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c l\u01b0u \u00fd trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh. M\u1ed9t trong nh\u1eefng xu h\u01b0\u1edbng n\u1ed5i b\u1eadt l\u00e0 \u1ee9ng d\u1ee5ng AI<\/a><\/strong> trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch tuy\u1ec7t v\u1eddi.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n Ngu\u1ed3n d\u1ecbch Compucom.com<\/em><\/p>\n <\/p>\n Innotech Vietnam<\/b><\/a> lu\u00f4n n\u1ed7 l\u1ef1c \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5, gi\u1ea3i ph\u00e1p ch\u1ea5t l\u01b0\u1ee3ng nh\u1ea5t. 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2. Ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng – online, \u1edf gi\u1eefa hay c\u1ea3 hai ?<\/b><\/h2>\n
Ng\u00e2n h\u00e0ng k\u1ebft h\u1ee3p gi\u1eefa ph\u01b0\u01a1ng th\u1ee9c giao d\u1ecbch truy\u1ec1n th\u1ed1ng v\u00e0 hi\u1ec7n \u0111\u1ea1i<\/em><\/p>\n
3. S\u1ef1 c\u1ea7n thi\u1ebft ph\u1ea3i t\u0103ng c\u01b0\u1eddng v\u00e0 b\u1ea3o m\u1eadt ch\u1ee7 \u0111\u1ed9ng h\u01a1n<\/b><\/h2>\n
Nguy c\u01a1 t\u1ea5n c\u00f4ng m\u1ea1ng c\u00f3 th\u1ec3 g\u00e2y t\u1ed5n th\u1ea5t n\u1eb7ng n\u1ec1<\/em><\/p>\n
4. N\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng<\/b><\/h2>\n
Sinh tr\u1eafc h\u1ecdc \u2013 Ti\u1ec7n d\u1ee5ng v\u00e0 an to\u00e0n trong x\u00e1c th\u1ef1c thanh to\u00e1n<\/em><\/p>\n
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