{"id":4561,"date":"2020-01-15T10:46:40","date_gmt":"2020-01-15T10:46:40","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=4561"},"modified":"2020-08-21T09:22:15","modified_gmt":"2020-08-21T09:22:15","slug":"top-5-xu-huong-hinh-thanh-digital-banking-transformation-nam-2020","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/top-5-xu-huong-hinh-thanh-digital-banking-transformation-nam-2020\/","title":{"rendered":"5 Xu H\u01b0\u1edbng h\u00ecnh th\u00e0nh Digital Banking Transformation n\u0103m 2020"},"content":{"rendered":"
5 xu h\u01b0\u1edbng Digital Banking Transformation<\/strong><\/a> d\u01b0\u1edbi \u0111\u00e2y c\u00f3 th\u1ec3 l\u00e0m thay \u0111\u1ed5i m\u00f4 h\u00ecnh kinh doanh c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng v\u00e0 \u0111\u00e1p \u1ee9ng nhi\u1ec1u h\u01a1n nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.<\/span><\/p>\n M\u1ed9t\u00a0<\/span>b\u00e1o c\u00e1o\u00a0t\u1eeb Acxiom<\/b><\/a> \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t s\u1ed1 xu h\u01b0\u1edbng chuy\u1ec3n \u0111\u1ed5i ng\u00e2n h\u00e0ng, bao g\u1ed3m: s\u1ef1 t\u0103ng tr\u01b0\u1edfng quan h\u1ec7 \u0111\u1ed1i t\u00e1c, t\u0103ng c\u01b0\u1eddng s\u1eed d\u1ee5ng d\u1eef li\u1ec7u ng\u01b0\u1eddi ti\u00eau d\u00f9ng, t\u00e1c \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty fintech, t\u0103ng c\u01b0\u1eddng c\u00e1ch \u0111\u1ec3 x\u00e2y d\u1ef1ng s\u1ef1 tham gia th\u00f4ng qua ti\u1ebfp th\u1ecb v\u00e0 t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u1ec1n t\u1ea3ng n\u1ec1n kinh t\u1ebf. Chuy\u1ec3n \u0111\u1ed5i trong ng\u00e2n h\u00e0ng s\u1ebd ti\u1ebfp t\u1ee5c sau n\u0103m 2020, nh\u01b0ng vi\u1ec7c x\u00e2y d\u1ef1ng c\u00e1c n\u0103ng l\u1ef1c \u0111\u1ec3 c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng c\u00e1c xu h\u01b0\u1edbng n\u00e0y, c\u1ea7n ph\u1ea3i b\u1eaft \u0111\u1ea7u ngay b\u00e2y gi\u1edd.<\/span><\/p>\n <\/p>\n <\/p>\n V\u1edbi s\u1ef1 thay \u0111\u1ed5i trong ng\u00e0nh ng\u00e2n h\u00e0ng di\u1ec5n ra qu\u00e1 nhanh, kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 t\u1ed5 ch\u1ee9c n\u00e0o, \u1edf b\u1ea5t k\u1ef3 quy m\u00f4 n\u00e0o c\u00f3 th\u1ec3 \u0111i m\u1ed9t m\u00ecnh. Gi\u00e1 tr\u1ecb c\u1ee7a vi\u1ec7c thi\u1ebft l\u1eadp quan h\u1ec7 \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u00fang \u0111\u1eafn ch\u01b0a bao gi\u1edd \u00fd ngh\u0129a nh\u01b0 th\u1ebf n\u00e0y.\u00a0Quan h\u1ec7 \u0111\u1ed1i t\u00e1c c\u00f3 th\u1ec3 m\u1edf r\u1ed9ng c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 n\u1ec1n t\u1ea3ng v\u00e0o c\u00e1c th\u1ecb tr\u01b0\u1eddng m\u1edbi, \u0111\u01b0a c\u00e1c th\u01b0\u01a1ng hi\u1ec7u \u0111\u1ebfn c\u00e1c ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng m\u1edbi v\u00e0 t\u1ea1o ra quy m\u00f4 kinh doanh l\u1edbn h\u01a1n.<\/span><\/p>\n Trong t\u01b0\u01a1ng lai, ngo\u00e0i quan h\u1ec7 \u0111\u1ed1i t\u00e1c gi\u1eefa c\u00e1c nh\u00e0 cung c\u1ea5p truy\u1ec1n th\u1ed1ng v\u1edbi nhau, vi\u1ec7c k\u1ebft h\u1ee3p v\u1edbi c\u00e1c c\u00f4ng ty fintech<\/strong><\/a>, c\u00e1c t\u1ed5 ch\u1ee9c c\u00f4ng ngh\u1ec7 l\u1edbn, c\u1ed9ng \u0111\u1ed3ng v\u00e0 th\u1eadm ch\u00ed l\u00e0 c\u00e1c \u0111\u01a1n v\u1ecb ch\u00ednh ph\u1ee7 s\u1ebd kh\u00f4ng c\u00f2n xa l\u1ea1. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, c\u00e1c nh\u00e0 cung c\u1ea5p gi\u1ea3i ph\u00e1p s\u1ebd h\u1ee3p t\u00e1c v\u1edbi nhau \u0111\u1ec3 cho ph\u00e9p t\u00edch h\u1ee3p t\u1ed1t nh\u1ea5t trong c\u00e1c t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh gi\u00fap t\u1ea1o ra m\u00f4 h\u00ecnh kinh doanh \u0111\u1ea1t hi\u1ec7u qu\u1ea3 cao nh\u1ea5t.<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n V\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng ngu\u1ed3n d\u1eef li\u1ec7u n\u00e2ng cao, cho ph\u00e9p c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng c\u00f3 d\u1eef li\u1ec7u v\u1ec1 h\u00e0nh vi c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng. Nh\u1eefng hi\u1ec3u bi\u1ebft n\u00e2ng cao n\u00e0y, khi \u0111\u01b0\u1ee3c k\u1ebft h\u1ee3p v\u1edbi c\u00e1c ph\u00e2n t\u00edch n\u00e2ng cao s\u1ebd \u0111\u01b0a ra nh\u1eefng th\u00f4ng tin tuy\u1ec7t v\u1eddi v\u1ec1 b\u1ee9c tranh c\u1ee7a kh\u00e1ch h\u00e0ng. T\u1eeb \u0111\u00f3, s\u1eed d\u1ee5ng truy\u1ec1n th\u00f4ng \u0111\u1ec3 c\u00e1 nh\u00e2n h\u00f3a v\u1edbi nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, tr\u00ean n\u1ec1n t\u1ea3ng m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u00edch. Ho\u00e0n th\u00e0nh t\u1ed1t \u0111i\u1ec1u n\u00e0y, c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn v\u00e0 l\u00e0m t\u0103ng th\u1ecb tr\u01b0\u1eddng kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng c\u1ee7a doanh nghi\u1ec7p.<\/span><\/p>\n <\/p>\n <\/p>\n Nh\u1eefng t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng c\u00f3 v\u1ed1n, kh\u00e1ch h\u00e0ng v\u00e0 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, nh\u01b0ng h\u1ecd th\u01b0\u1eddng thi\u1ebfu t\u1ed1c \u0111\u1ed9, s\u1ef1 \u0111\u1ed5i m\u1edbi v\u00e0 t\u1eadp trung th\u1ef1c s\u1ef1 v\u00e0o ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Trong khi \u0111\u00f3, k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng ng\u00e0y c\u00e0ng t\u0103ng v\u00e0 \u0111\u00f2i h\u1ecfi nhi\u1ec1u h\u01a1n, v\u1ec1 t\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd, thao t\u00e1c \u0111\u01a1n gi\u1ea3n, thi\u1ebft k\u1ebf tr\u1ef1c quan. \u0110\u00e2y l\u00e0 l\u00fd do t\u1ea1i sao ng\u00e0y c\u00e0ng nhi\u1ec1u c\u00f4ng ty fintech tham gia v\u00e0o h\u1ec7 sinh th\u00e1i ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh. H\u1ecd kh\u00f4ng ng\u1eebng c\u1ea3i ti\u1ebfn c\u00f4ng ngh\u1ec7 \u0111\u1ec3 \u0111\u00e1p \u1ee9ng t\u1ed1t nh\u1ea5t v\u1ec1 tr\u1ea3i nghi\u1ec7m c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.<\/span><\/p>\n C\u00e1c c\u00f4ng ty Fintech<\/a><\/strong> c\u1ea1nh tranh b\u1eb1ng c\u00e1ch ph\u1ee5c v\u1ee5 ng\u01b0\u1eddi ti\u00eau d\u00f9ng m\u00e0 kh\u00f4ng b\u1ecb r\u00e0ng bu\u1ed9c v\u1edbi c\u00e1c quy t\u1eafc v\u00e0 c\u1ea5u tr\u00fac t\u1ed5 ch\u1ee9c. \u0110i\u1ec1u n\u00e0y cho ph\u00e9p h\u1ecd cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 nhanh h\u01a1n, d\u1ec5 d\u00e0ng h\u01a1n, r\u1ebb h\u01a1n so v\u1edbi nh\u1eefng g\u00ec c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng\u00a0 truy\u1ec1n th\u1ed1ng c\u00f3 th\u1ec3 cung c\u1ea5p.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n D\u1eef li\u1ec7u, ph\u00e2n t\u00edch n\u00e2ng cao v\u00e0 vi\u1ec7c tri\u1ec3n khai c\u00e1c c\u00f4ng ngh\u1ec7 ti\u1ebfp th\u1ecb m\u1edbi gi\u00fap cho vi\u1ec7c nh\u1eafm m\u1ee5c ti\u00eau v\u00e0o \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee5 th\u1ec3, v\u00e0o th\u1eddi \u0111i\u1ec3m t\u01b0\u01a1ng t\u00e1c ph\u00f9 h\u1ee3p. T\u1ea1i th\u1eddi \u0111i\u1ec3m \u00edt ng\u01b0\u1eddi ti\u00eau d\u00f9ng t\u1ea1o ra s\u1ef1 chuy\u1ec3n \u0111\u1ed5i, ti\u1ebfp th\u1ecb \u0111a k\u00eanh hi\u1ec7u qu\u1ea3 l\u00e0 \u0111\u1ec3 k\u00edch th\u00edch kh\u00e1ch h\u00e0ng m\u1edbi v\u00e0 t\u1ea1o ra chuy\u1ec3n \u0111\u1ed5i.<\/span><\/p>\n H\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c s\u1eed d\u1ee5ng c\u00e1c chi\u1ebfn d\u1ecbch ti\u1ebfp th\u1ecb \u0111a k\u00eanh, \u0111i\u1ec1u quan tr\u1ecdng h\u01a1n bao gi\u1edd h\u1ebft l\u00e0 \u0111o l\u01b0\u1eddng hi\u1ec7u qu\u1ea3 c\u1ee7a t\u1eebng k\u00eanh trong h\u00e0nh tr\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c h\u00e0nh vi v\u00e0 \u0111\u01b0a ra th\u00f4ng \u0111i\u1ec7p t\u1ed1t nh\u1ea5t cho vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn. N\u00ean b\u1eaft bu\u1ed9c ph\u1ea3i hi\u1ec3u m\u1ed1i li\u00ean h\u1ec7 c\u1ee7a c\u00e1c k\u00eanh v\u00e0 th\u00f4ng \u0111i\u1ec7p \u0111\u1ec3 \u00e1p d\u1ee5ng chi ti\u00eau v\u00e0o nh\u1eefng th\u1eddi \u0111i\u1ec3m quan tr\u1ecdng c\u1ee7a h\u00e0nh tr\u00ecnh mua h\u00e0ng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n M\u1ed9t n\u1ec1n t\u1ea3ng th\u1ef1c s\u1ef1 l\u00e0 cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 t\u1eeb nhi\u1ec1u t\u1ed5 ch\u1ee9c, ph\u1ee5c v\u1ee5 nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.\u00a0H\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u00e3 kh\u00f4ng cung c\u1ea5p m\u1ed9t gi\u1ea3i ph\u00e1p n\u1ec1n t\u1ea3ng, \u0111\u00e2y ch\u1eafc ch\u1eafn c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 trong t\u01b0\u01a1ng lai.<\/span><\/p>\n Theo Ron Shevlin, n\u1ec1n t\u1ea3ng tr\u00ean m\u1ea1ng t\u1ea1o c\u01a1 h\u1ed9i cho c\u00e1c nh\u00e0 ti\u1ebfp th\u1ecb d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh truy c\u1eadp v\u00e0 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u m\u00e0 h\u1ecd ch\u01b0a t\u1eebng truy c\u1eadp tr\u01b0\u1edbc \u0111\u00e2y, cung c\u1ea5p c\u00e1c m\u1ee9c \u0111\u1ed9 c\u00e1 nh\u00e2n h\u00f3a m\u00e0 h\u1ecd ch\u01b0a t\u1eebng \u0111\u1ea1t \u0111\u01b0\u1ee3c tr\u01b0\u1edbc \u0111\u00e2y v\u00e0 th\u1ef1c hi\u1ec7n n\u00f3 hi\u1ec7u qu\u1ea3 h\u01a1n bao gi\u1edd h\u1ebft.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n V\u00e0o n\u0103m 2020, k\u1ef3 v\u1ecdng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng thay \u0111\u1ed5i v\u00e0 t\u1ea1o t\u00e1c \u0111\u1ed9ng l\u1edbn \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng v\u00e0 th\u1eadm ch\u00ed l\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd. N\u1ebfu c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng kh\u00f4ng thay \u0111\u1ed5i \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng th\u00ec c\u00e1c c\u00f4ng ty fintech, c\u00f4ng ty c\u00f4ng ngh\u1ec7 l\u1edbn s\u1ebd l\u00e0m v\u00e0 thay th\u1ebf d\u1ea7n c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/span><\/p>\n Ngu\u1ed3n d\u1ecbch https:\/\/thefinancialbrand.com\/<\/span><\/i><\/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. V\u00ec v\u1eady ch\u00fang t\u00f4i \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 tin t\u01b0\u1edfng t\u1eeb c\u00e1c c\u00f4ng ty l\u1edbn nh\u01b0 ACB, Tyme Bank, Unifimoney, Manulife, Commonwealth Bank,\u2026 \u1ee9ng d\u1ee5ng gi\u1ea3i ph\u00e1p do Innotech Vietnam cung c\u1ea5p.\u00a0<\/span><\/p>\n <\/p>\n N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t c\u00f4ng ty Fintech Outsourcing \u0111\u1ec3 cung c\u1ea5p gi\u1ea3i ph\u00e1p cho c\u00f4ng ty c\u1ee7a b\u1ea1n. Li\u00ean h\u1ec7 v\u1edbi c\u00e1c chuy\u00ean gia t\u1ea1i Innotech Vietnam \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i \u0111\u00e1p m\u1ecdi th\u1eafc m\u1eafc v\u1ec1 <\/span>Fintech software Outsourcing<\/b><\/a>!<\/span><\/p>\n1. Quan h\u1ec7 \u0111\u1ed1i t\u00e1c l\u00e0 xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu \u0111\u1ec3 t\u1ed3n t\u1ea1i<\/b><\/h2>\n
VIMO v\u00e0 mPOS s\u00e1p nh\u1eadp t\u1ea1o ra s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 t\u1ed1t h\u01a1n cho kh\u00e1ch h\u00e0ng<\/em><\/p>\n
2. \u0110\u1ea9y m\u1ea1nh s\u1eed d\u1ee5ng d\u1eef li\u1ec7u n\u00e2ng cao<\/b><\/h2>\n
3. Th\u1eddi \u0111\u1ea1i c\u1ee7a ng\u01b0\u1eddi ch\u01a1i ngo\u00e0i cu\u1ed9c<\/b><\/h2>\n
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4. Hi\u1ec7u su\u1ea5t ti\u1ebfp th\u1ecb \u0111a k\u00eanh \u0111\u01b0\u1ee3c ch\u00fa tr\u1ecdng h\u01a1n<\/b><\/h2>\n
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5. C\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng cho n\u1ec1n kinh t\u1ebf<\/b><\/h2>\n
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