{"id":4630,"date":"2020-01-17T10:33:04","date_gmt":"2020-01-17T10:33:04","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=4630"},"modified":"2020-03-23T09:12:58","modified_gmt":"2020-03-23T09:12:58","slug":"tuong-lai-cua-retail-mobile-online-va-digital-only-banking-technology","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/tuong-lai-cua-retail-mobile-online-va-digital-only-banking-technology\/","title":{"rendered":"T\u01b0\u01a1ng Lai c\u1ee7a Retail, Mobile, Online, and Digital-Only Banking"},"content":{"rendered":"
T\u1eeb \u1ea3nh h\u01b0\u1edfng c\u1ee7a c\u00f4ng ngh\u1ec7, \u0111\u01b0a t\u01b0\u01a1ng lai c\u1ee7a retail, mobile, online v\u00e0 digital-only, banking technology<\/strong><\/a> ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n. Nhu c\u1ea7u ng\u00e0y c\u00e0ng t\u0103ng \u0111\u1ed1i v\u1edbi tr\u1ea3i nghi\u1ec7m ng\u00e2n h\u00e0ng s\u1ed1 t\u1eeb kh\u00e1ch h\u00e0ng \u0111ang thay \u0111\u1ed5i c\u00e1ch ho\u1ea1t \u0111\u1ed9ng c\u1ee7a to\u00e0n b\u1ed9 ng\u00e0nh ng\u00e2n h\u00e0ng.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n Mong mu\u1ed1n ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u1ee7a retail banking th\u00f4ng qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 d\u1eabn \u0111\u1ebfn s\u1ef1 gia t\u0103ng c\u00f4ng ngh\u1ec7 trong ng\u00e0nh n\u00e0y. \u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0o retail banking kh\u00f4ng ch\u1ec9 duy tr\u00ec s\u1ef1 c\u1ea1nh tranh, m\u00e0 n\u00f3 c\u00f2n t\u1ea1o ra c\u00e1c n\u1ec1n t\u1ea3ng cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u1ec3 \u0111a d\u1ea1ng h\u00f3a d\u00f2ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 cho kh\u00e1ch h\u00e0ng.<\/span><\/p>\n C\u00f4ng ngh\u1ec7 h\u01b0\u1edbng \u0111\u1ebfn vi\u1ec7c c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a c\u00e1c retail banking \u0111ang t\u00e1c \u0111\u1ed9ng t\u00edch c\u1ef1c \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng. Theo Business Insider Intelligence<\/strong><\/a>, 39% gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh retail banking th\u1eeba nh\u1eadn t\u00e1c \u0111\u1ed9ng l\u1edbn nh\u1ea5t c\u1ee7a c\u00f4ng ngh\u1ec7 l\u00e0 l\u00e0m gi\u1ea3m chi ph\u00ed v\u1eadn h\u00e0nh v\u00e0 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng.<\/span><\/p>\n <\/p>\n <\/p>\n Theo b\u00e1o c\u00e1o c\u1ee7a Business Insider Intelligence th\u00ec 89% ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi cho bi\u1ebft h\u1ecd s\u1eed d\u1ee5ng Mobile banking<\/strong><\/a> l\u00e0 ph\u01b0\u01a1ng th\u1ee9c th\u1ef1c hi\u1ec7n g\u1eedi ti\u1ec1n, chuy\u1ec3n kho\u1ea3n v\u00e0 theo d\u00f5i chi ti\u00eau v\u00e0 thu nh\u1eadp c\u1ee7a h\u1ecd.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n E-wallet l\u00e0 m\u1ed9t t\u00ednh n\u0103ng m\u1edbi kh\u00e1c trong mobile banking, nh\u1ea5n m\u1ea1nh s\u1ef1 ti\u1ec7n l\u1ee3i cho ng\u01b0\u1eddi s\u1eed d\u1ee5ng. Cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng mua h\u00e0ng tr\u1ef1c tuy\u1ebfn ho\u1eb7c t\u1ea1i c\u1eeda h\u00e0ng b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh c\u1ee7a h\u1ecd m\u00e0 kh\u00f4ng c\u1ea7n ti\u1ec1n m\u1eb7t.<\/span><\/p>\n T\u01b0\u01a1ng lai c\u1ee7a c\u00e1c \u0111i\u1ec3m mobile banking h\u01b0\u1edbng t\u1edbi vi\u1ec7c cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 ti\u1ebft ki\u1ec7m v\u00e0 s\u1ee9c kh\u1ecfe t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c ch\u00fa tr\u1ecdng \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng d\u00e0nh cho Gen Y.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n Theo Business Insider Intelligence, mobile banking \u0111ang t\u0103ng tr\u01b0\u1edfng g\u1ea5p 5 l\u1ea7n t\u1ed1c \u0111\u1ed9 online banking v\u00e0 m\u1ed9t n\u1eeda s\u1ed1 kh\u00e1ch h\u00e0ng tr\u1ef1c tuy\u1ebfn c\u0169ng l\u00e0 ng\u01b0\u1eddi d\u00f9ng mobile banking.\u00a0<\/span><\/p>\n M\u1eb7c d\u00f9 m\u1ee9c \u0111\u1ed9 ph\u1ed5 bi\u1ebfn c\u1ee7a c\u00e1c mobile banking r\u1ea5t l\u1edbn, nh\u01b0ng n\u00f3 v\u1eabn c\u00f2n thi\u1ebfu nhu c\u1ea7u nh\u01b0 thanh to\u00e1n h\u00f3a \u0111\u01a1n v\u00e0 \u0111\u1ed5i th\u01b0\u1edfng, khi\u1ebfn ng\u01b0\u1eddi d\u00f9ng v\u1eabn c\u00f2n s\u1eed d\u1ee5ng online mobile. Nh\u01b0ng v\u1edbi s\u1ef1 th\u00fac \u0111\u1ea9y nh\u1ecf n\u00e0y, c\u0169ng kh\u00f4ng th\u1ec3 c\u1ee9u online banking trong t\u01b0\u01a1ng lai, khi c\u00e1c th\u1ebf h\u1ec7 Gen Z \u0111ang h\u01b0\u1edbng nhi\u1ec1u h\u01a1n v\u00e0o th\u1ecb tr\u01b0\u1eddng di \u0111\u1ed9ng.<\/span><\/p>\n <\/p>\n <\/p>\n Digital \u2013 only banks, c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 neobanks, \u0111ang \u0111\u1ecbnh ngh\u0129a l\u1ea1i t\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng tr\u00ean to\u00e0n th\u1ebf gi\u1edbi. M\u1eb7c d\u00f9 g\u1eb7p ph\u1ea3i m\u1ed9t s\u1ed1 kh\u00f3 kh\u0103n v\u1ec1 ph\u00e1p l\u00fd t\u1ea1i M\u1ef9, nh\u01b0ng g\u1ea7n \u0111\u00e2y v\u1edbi vi\u1ec7c n\u1edbi l\u1ecfng c\u00e1c quy \u0111\u1ecbnh cho th\u1ea5y c\u00e1c neobanks s\u1ebd ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd h\u01a1n.<\/span><\/p>\n <\/p>\n <\/p>\n Theo b\u00e1o c\u00e1o Evolution c\u1ee7a Neobank Market c\u1ee7a Business Insider Intelligence, b\u1ed1i c\u1ea3nh Digital banking \u0111ang c\u1ea1nh tranh ng\u00e0y c\u00e0ng t\u0103ng, s\u1ebd khi\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng c\u1ea3i ti\u1ebfn c\u00f4ng ngh\u1ec7, ph\u1ee5c v\u1ee5 cho nhu c\u1ea7u c\u1ee7a k\u1ef7 nguy\u00ean s\u1ed1. Neobank Chime c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i San Francisco \u0111\u00e3 thu h\u00fat h\u01a1n 2 tri\u1ec7u ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 \u0111ang t\u0103ng th\u00eam m\u1ed7i th\u00e1ng. S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a nhi\u1ec1u neobanks \u1edf M\u1ef9 s\u1ebd mang l\u1ea1i nh\u1eadn th\u1ee9c cho digital \u2013 only banks v\u00e0 cu\u1ed1i c\u00f9ng l\u00e0m suy y\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/span><\/p>\n <\/p>\n <\/p>\n T\u01b0\u01a1ng lai c\u1ee7a banking technology \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 Gen Z, nh\u1eefng ng\u01b0\u1eddi coi c\u00f4ng ngh\u1ec7 l\u00e0 th\u1ee9 gi\u00fap n\u00e2ng cao cu\u1ed9c s\u1ed1ng c\u1ee7a h\u1ecd. Xu h\u01b0\u1edbng ph\u1ed5 bi\u1ebfn trong banking technology l\u00e0 s\u1eed d\u1ee5ng giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng (API) \u0111\u1ec3 cung c\u1ea5p d\u1eef li\u1ec7u \u0111\u1ed9c quy\u1ec1n v\u1ec1 ng\u01b0\u1eddi ti\u00eau d\u00f9ng cho b\u1ea5t k\u1ef3 ai c\u00f3 quy\u1ec1n truy c\u1eadp.<\/span><\/p>\n <\/p>\n <\/p>\n API c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 cho ph\u00e9p mobile application<\/strong><\/a> c\u1ee7a ng\u00e2n h\u00e0ng l\u1ea5y th\u00f4ng tin t\u00e0i kho\u1ea3n kh\u00e1ch h\u00e0ng. C\u00e1c c\u00f4ng ty Fintech c\u0169ng \u0111\u00e3 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 API v\u00e0o ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ecd v\u00e0 th\u00e0nh c\u00f4ng, \u0111i\u1ec1u \u0111\u00f3 khuy\u1ebfn kh\u00edch c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh ph\u00e1t tri\u1ec3n API c\u1ee7a ri\u00eang h\u1ecd.<\/span><\/p>\n Ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 th\u1ea5y AI \u0111ang \u0111\u01b0\u1ee3c h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng, th\u00f4ng qua c\u00e1c chatbot hay voice banking, x\u00e1c \u0111\u1ecbnh v\u00e0 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd.\u00a0<\/span><\/p>\n Ngu\u1ed3n d\u1ecbch t\u1eeb https:\/\/www.businessinsider.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. 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 \u00a0<\/span><\/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>\nT\u01b0\u01a1ng lai c\u1ee7a Retail banking\u00a0<\/b><\/h2>\n
T\u01b0\u01a1ng lai c\u1ee7a Mobile banking<\/b><\/h2>\n
Mobile banking th\u00e0nh c\u00f4ng c\u00e1c t\u00ednh n\u0103ng qu\u1ea3n l\u00fd ti\u1ec1n gi\u00fap ng\u01b0\u1eddi d\u00f9ng c\u1eaft gi\u1ea3m chi ti\u00eau v\u00e0 t\u0103ng ti\u1ebft ki\u1ec7m.<\/em><\/p>\nT\u01b0\u01a1ng lai c\u1ee7a Online Banking<\/b><\/h2>\n
T\u01b0\u01a1ng lai c\u1ee7a Digital \u2013 Only Banks<\/b><\/h2>\n
Chime cung c\u1ea5p cho kh\u00e1ch h\u00e0ng\u00a0 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng “mi\u1ec5n ph\u00ed”.<\/em><\/p>\nXu h\u01b0\u1edbng Banking Technology<\/b><\/h2>\n
C\u00e1c ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng AI \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u00e0 x\u00e1c th\u1ef1c kh\u00e1ch h\u00e0ng, chatbot 24\/7 v\u00e0 h\u1ed7 tr\u1ee3 voice banking<\/em><\/p>\n
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