{"id":4852,"date":"2020-02-28T08:55:56","date_gmt":"2020-02-28T08:55:56","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=4852"},"modified":"2020-03-23T09:14:26","modified_gmt":"2020-03-23T09:14:26","slug":"nhung-dieu-ban-can-biet-ve-fintech-cach-tao-ra-gia-tri-cho-doanh-nghiep","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/nhung-dieu-ban-can-biet-ve-fintech-cach-tao-ra-gia-tri-cho-doanh-nghiep\/","title":{"rendered":"\u0110i\u1ec1u C\u1ea7n Bi\u1ebft v\u1ec1 Fintech \u2013 Gi\u00e1 Tr\u1ecb T\u1ea1o Ra Cho Doanh Nghi\u1ec7p?"},"content":{"rendered":"
C\u00f4ng ngh\u1ec7 \u0111\u00e3 l\u00e0m thay \u0111\u1ed5i cu\u1ed9c s\u1ed1ng v\u00e0 c\u00e1ch th\u1ee9c kinh doanh c\u1ee7a doanh nghi\u1ec7p. C\u00f9ng ch\u00fang t\u00f4i t\u00ecm hi\u1ec3u v\u1ec1 \u0111\u1ecbnh ngh\u0129a v\u00e0 c\u00e1ch c\u00f4ng ngh\u1ec7 fintech<\/strong><\/a> \u0111em gi\u00e1 tr\u1ecb \u0111\u1ebfn cho doanh nghi\u1ec7p.<\/p>\n <\/p>\n <\/p>\n Fintech l\u00e0 vi\u1ebft t\u1eaft c\u1ee7a c\u00f4ng ngh\u1ec7 ng\u00e0nh t\u00e0i ch\u00ednh. L\u00e0 c\u00f4ng ngh\u1ec7 m\u00e0 c\u00f4ng ty s\u1eed d\u1ee5ng internet, thi\u1ebft b\u1ecb di \u0111\u1ed9ng, c\u00f4ng ngh\u1ec7 ph\u1ea7n m\u1ec1m ho\u1eb7c d\u1ecbch v\u1ee5 \u0111\u00e1m m\u00e2y \u0111\u1ec3 th\u1ef1c hi\u1ec7n ho\u1eb7c k\u1ebft n\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/p>\n Ngo\u00e0i nh\u1eefng d\u1ecbch v\u1ee5 th\u00f4ng th\u01b0\u1eddng nh\u01b0 thanh to\u00e1n, cho vay, chuy\u1ec3n ti\u1ec1n, … Fintech mang \u0111\u1ebfn nh\u1eefng d\u1ecbch v\u1ee5 tr\u1ea3i r\u1ed9ng h\u01a1n nh\u01b0 l\u00e0 g\u1ecdi v\u1ed1n c\u1ed9ng \u0111\u1ed3ng (crowd-funding), cho vay ngang c\u1ea5p (peer to peer lending), t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n (Personal Finance), c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m (Insur-Tech), ti\u1ec1n t\u1ec7 s\u1ed1 (Crypto Blockchain), qu\u1ea3n tr\u1ecb d\u1eef li\u1ec7u (Data Management), \u2026 v\u1edbi m\u1ee5c \u0111\u00edch c\u1ea3i thi\u1ec7n b\u1ed9 m\u00e1y t\u00e0i ch\u00ednh v\u00e0 tao ra nhi\u1ec1u gi\u00e1 tr\u1ecb h\u01a1n cho doanh nghi\u1ec7p trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh.<\/p>\n <\/p>\n C\u00f4ng ngh\u1ec7 fintech c\u00f3 nhi\u1ec1u \u1ee9ng d\u1ee5ng kh\u00e1c nhau tr\u00ean nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nhau. Trong b\u00e0i vi\u1ebft n\u00e0y, n\u00f3 \u0111\u01b0\u1ee3c ph\u00e2n th\u00e0nh 4 ho\u1ea1t \u0111\u1ed9ng kinh doanh ch\u00ednh:<\/p>\n <\/p>\n <\/p>\n V\u1ec1 kh\u00eda c\u1ea1nh thanh to\u00e1n, thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n ch\u00ednh trong l\u0129nh v\u1ef1c \u00a0fintech. Ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u c\u00f4ng ty \u0111\u00e3 ph\u00e1t tri\u1ec3n c\u00e1c gi\u1ea3i ph\u00e1p thanh to\u00e1n li\u00ean quan cho kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd.<\/p>\n Starbucks \u0111\u00e3 ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng thanh to\u00e1n c\u1ee7a ri\u00eang h\u1ecd tr\u00ean c\u1ea3 Android v\u00e0 Apple. Theo b\u00e1o c\u00e1o<\/strong><\/a> c\u1ee7a doanh nghi\u1ec7p, nh\u1edd v\u00e0o Mobile payment m\u00e0 giao d\u1ecbch \u0111\u00e3 t\u0103ng th\u00eam 30% tr\u00ean to\u00e0n n\u01b0\u1edbc M\u1ef9. \u0110i\u1ec1u \u0111\u00f3 ch\u1ee9ng t\u1ecf r\u1eb1ng n\u1ebfu \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 h\u1ee3p l\u00fd v\u00e0o kinh doanh s\u1ebd mang l\u1ea1i nhi\u1ec1u gi\u00e1 tr\u1ecb cho doanh nghi\u1ec7p.<\/p>\n <\/p>\n Starbuck t\u0103ng doanh thu 30% nh\u1edd t\u1ea1o ra \u1ee9ng d\u1ee5ng mobile payment<\/em><\/p>\n <\/p>\n Gi\u00e1 tr\u1ecb c\u1ee7a c\u00f4ng ngh\u1ec7 \u0111\u00e3 mang l\u1ea1i cho doanh nghi\u1ec7p l\u00e0 t\u0103ng c\u01b0\u1eddng doanh s\u1ed1, n\u00e2ng cao hi\u1ec7u qu\u1ea3 kinh doanh, c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng v\u00e0 mang \u0111\u1ebfn cho kh\u00e1ch h\u00e0ng tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 t\u1ed1t h\u01a1n. H\u01a1n th\u1ebf n\u1eefa, c\u00e1c c\u00f4ng ngh\u1ec7 fintech m\u1edbi \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng kh\u00f4ng ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf kh\u00eda c\u1ea1nh B2C m\u00e0 \u1ee9ng d\u1ee5ng \u1edf kh\u00eda c\u1ea1nh B2B.<\/p>\n <\/p>\n <\/p>\n D\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c cung c\u1ea5p \u0111\u1ec1 xu\u1ea5t cho ng\u01b0\u1eddi d\u00f9ng theo m\u1ed9t b\u1ed9 quy t\u1eafc v\u00e0 ti\u00eau ch\u00ed \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng. Bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i d\u1ecbch v\u1ee5 li\u00ean quan nh\u01b0 t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0, t\u01b0 v\u1ea5n qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m, h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng v\u00e0 quy\u1ebft \u0111\u1ecbnh qu\u1ea3n l\u00fd. FinTech \u0111\u00e3 \u0111\u01b0\u1ee3c coi l\u00e0 s\u1ef1 b\u1ee9c ph\u00e1 trong l\u0129nh v\u1ef1c d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n.<\/p>\n Nh\u1edd s\u1ef1 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 fintech nh\u01b0 l\u00e0 internet-of-things, AI, Learning machine, Bigdata, v\u00e0 T\u1ef1 \u0111\u1ed9ng h\u00f3a<\/strong><\/a>, … s\u1ebd \u0111\u01b0a ra nh\u1eefng gi\u1ea3i ph\u00e1p v\u1ec1 d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n t\u1eadp trung v\u00e0o quy tr\u00ecnh c\u00e1 nh\u00e2n h\u00f3a, gi\u1ea3m thi\u1ec3u chi ph\u00ed, t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.<\/p>\n Robo-advisor l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p quan tr\u1ecdng trong l\u0129nh v\u1ef1c d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n. Robo – advisor \u0111\u00f3ng vai tr\u00f2 l\u00e0 c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh, cung c\u1ea5p t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh ho\u1eb7c qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng cho kh\u00e1ch h\u00e0ng. D\u1ef1a tr\u00ean c\u00e1c c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn nh\u01b0 AI, Bigdata v\u00e0 Learning machine. Robo-advisor c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c \u0111\u1ec1 xu\u1ea5t \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cho kh\u00e1ch h\u00e0ng theo nh\u1eefng c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt theo d\u1eef li\u1ec7u th\u1eddi gian th\u1ef1c (v\u00ed d\u1ee5 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 d\u1ea7u m\u1edbi nh\u1ea5t ho\u1eb7c ch\u1ec9 s\u1ed1 ch\u1ee9ng kho\u00e1n, …).<\/p>\n <\/p>\n Robo-advisor l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p quan tr\u1ecdng trong l\u0129nh v\u1ef1c d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n<\/em><\/p>\n <\/p>\n <\/p>\n T\u00e0i ch\u00ednh \u0111\u1ec1 c\u1eadp \u0111\u1ebfn b\u1ea5t k\u1ef3 h\u00e0nh vi n\u00e0o \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c ti\u1ec1n cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh t\u1eeb c\u00e1c ngu\u1ed3n kh\u00e1c nhau. C\u00f3 nhi\u1ec1u ngu\u1ed3n t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng kh\u00e1c nhau, nh\u01b0 gia \u0111\u00ecnh, vay ng\u00e2n h\u00e0ng, l\u1ee3i nhu\u1eadn, \u0111\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m, nh\u01b0\u1ee3ng quy\u1ec1n th\u01b0\u01a1ng m\u1ea1i, qu\u1ef9 ch\u00ednh ph\u1ee7, th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, n\u1ee3, tr\u00e1i phi\u1ebfu v\u00e0 c\u00e1c th\u1ee9 kh\u00e1c. S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a gi\u1ea3i ph\u00e1p FinTech cung c\u1ea5p, nhi\u1ec1u c\u00e1ch t\u00e0i ch\u00ednh m\u1edbi \u0111\u00e3 c\u00f3 th\u1ec3 thay th\u1ebf c\u00e1c h\u1ec7 th\u1ed1ng truy\u1ec1n th\u1ed1ng hi\u1ec7n c\u00f3.<\/p>\n Gi\u1ea3i ph\u00e1p fintech<\/strong><\/a> cung c\u1ea5p nh\u01b0 g\u1ecdi v\u1ed1n c\u1ed9ng \u0111\u1ed3ng (Crowd \u2013 funding), \u0111\u00e3 cung c\u1ea5p cho doanh nghi\u1ec7p m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c m\u1edbi c\u00f3 \u0111\u01b0\u1ee3c ti\u1ec1n v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n ho\u1eb7c theo c\u00e1ch m\u00e0 truy\u1ec1n th\u1ed1ng kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c. L\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 hi\u1ec7u qu\u1ea3 cho c\u00e1c doanh nghi\u1ec7p kh\u1edfi nghi\u1ec7p v\u00e0 doanh nh\u00e2n c\u00f3 th\u1ec3 t\u1ea1o ngu\u1ed3n v\u1ed1n cho doanh nghi\u1ec7p m\u00ecnh.<\/p>\n <\/p>\n Crowd \u2013 funding l\u00e0 ph\u01b0\u01a1ng th\u1ee9c g\u1ecdi v\u1ed1n v\u1edbi chi ph\u00ed r\u1ebb h\u01a1n<\/em><\/p>\n <\/p>\n C\u00f4ng ngh\u1ec7 Fintech v\u1ec1 t\u00e0i ch\u00ednh t\u1eadp trung v\u00e0o c\u00e1ch c\u1ea3i thi\u1ec7n quy tr\u00ecnh c\u00e1 nh\u00e2n h\u00f3a v\u00e0 chia s\u1ebb th\u00f4ng tin. Ngo\u00e0i ra n\u00f3 c\u0169ng l\u00e0m gi\u1ea3m chi ph\u00ed giao d\u1ecbch, t\u1ed1c \u0111\u1ed9 nhanh, hi\u1ec7u qu\u1ea3 v\u00e0 linh ho\u1ea1t h\u01a1n, t\u1ef1 \u0111\u1ed9ng h\u00f3a, tr\u1ea3i nghi\u1ec7m c\u1ee7a ng\u01b0\u1eddi d\u00f9ng v\u00e0 b\u1ea5t k\u1ef3 lo\u1ea1i quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh n\u00e0o. Gi\u00fap doanh nghi\u1ec7p c\u00f3 th\u1ec3 huy \u0111\u1ed9ng v\u1ed1n t\u1ed1i \u0111a v\u00e0 c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh.<\/p>\n <\/p>\n <\/p>\n \u0110\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c tu\u00e2n th\u1ee7 m\u1ed9t b\u1ed9 quy \u0111\u1ecbnh, ch\u1eb3ng h\u1ea1n nh\u01b0 th\u00f4ng s\u1ed1 k\u1ef9 thu\u1eadt, ch\u00ednh s\u00e1ch, ti\u00eau chu\u1ea9n ho\u1eb7c lu\u1eadt ph\u00e1p. Ng\u00e0y nay, vi\u1ec7c tu\u00e2n th\u1ee7 tr\u1edf th\u00e0nh m\u1ed9t quy tr\u00ecnh kinh doanh quan tr\u1ecdng \u0111\u1ed1i v\u1edbi nhi\u1ec1u doanh nghi\u1ec7p. V\u1ec1 \u0111i\u1ec1u n\u00e0y, s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng c\u00e1c quy tr\u00ecnh ph\u00e1p l\u00fd \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 c\u00f4ng ngh\u1ec7 \u0111i\u1ec1u ti\u1ebft (Regtech).<\/p>\n C\u00e1c quy tr\u00ecnh tu\u00e2n th\u1ee7 c\u00f3 th\u1ec3 gi\u1ea3m r\u1ee7i ro, t\u0103ng c\u01b0\u1eddng ni\u1ec1m tin v\u00e0 gi\u1ea3m chi ph\u00ed giao d\u1ecbch (v\u00ed d\u1ee5: m\u1ed9t c\u00f4ng ty c\u00f3 h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh \u0111\u00e1ng tin c\u1eady c\u00f3 th\u1ec3 vay ti\u1ec1n v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n). KYC<\/strong> <\/a>(Know your customer) l\u00e0 m\u1ed9t trong nh\u1eefng quy tr\u00ecnh ph\u00e1t tri\u1ec3n gi\u00fap h\u1ed7 tr\u1ee3 vi\u1ec7c tu\u00e2n th\u1ee7 qui tr\u00ecnh trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n >> Xem th\u00eam: ” T\u1ea1i sao b\u1eaft bu\u1ed9c tu\u00e2n th\u1ee7 KYC trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng<\/strong><\/a>”<\/p>\n <\/p>\n <\/p>\n T\u1ec9 l\u1ec7 \u0111\u1ea7u t\u01b0 v\u00e0o Regtech tr\u00ean to\u00e0n c\u1ea7u ng\u00e0y c\u00e0ng t\u0103ng<\/em><\/p>\n <\/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>\nFintech l\u00e0 g\u00ec?<\/strong><\/h2>\n
V\u1eady doanh nghi\u1ec7p s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 fintech nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 t\u1ea1o ra gi\u00e1 tr\u1ecb?<\/strong><\/h2>\n
1. Payment<\/strong><\/h3>\n
2. D\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n<\/strong><\/h3>\n
3. T\u00e0i ch\u00ednh<\/strong><\/h3>\n
4. Tu\u00e2n th\u1ee7<\/strong><\/h3>\n
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