{"id":5004,"date":"2020-03-09T06:14:13","date_gmt":"2020-03-09T06:14:13","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=5004"},"modified":"2021-03-29T10:22:32","modified_gmt":"2021-03-29T10:22:32","slug":"ban-da-hieu-gi-ve-digital-banking-tong-quan-uu-nhuoc-diem","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/ban-da-hieu-gi-ve-digital-banking-tong-quan-uu-nhuoc-diem\/","title":{"rendered":"B\u1ea1n \u0111\u00e3 hi\u1ec3u g\u00ec v\u1ec1 Digital Banking? T\u1ed5ng quan & \u01b0u nh\u01b0\u1ee3c \u0111i\u1ec3m"},"content":{"rendered":"
Digital banking l\u00e0 g\u00ec<\/strong><\/a>? \u01afu \u0111i\u1ec3m v\u00e0 Nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a digital banking l\u00e0 g\u00ec? T\u1ea1i sao kh\u00e1ch h\u00e0ng ng\u00e0y c\u00e0ng \u01b0a th\u00edch vi\u1ec7c th\u1ef1c hi\u1ec7n giao d\u1ecbch ng\u00e2n h\u00e0ng tr\u00ean c\u00e1c h\u1ec7 th\u1ed1ng k\u1ef9 thu\u1eadt s\u1ed1? \u0110\u00f3 l\u00e0 nh\u1eefng c\u00e2u h\u1ecfi m\u00e0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1eb7t ra khi b\u1ea1n mu\u1ed1n t\u00ecm hi\u1ec3u v\u1ec1 Digital Banking.<\/p>\n <\/p>\n <\/p>\n Digital banking<\/strong><\/a> (\u0111\u01b0\u1ee3c d\u1ecbch ra l\u00e0 ng\u00e2n h\u00e0ng s\u1ed1), l\u00e0 s\u1ef1 d\u1ecbch chuy\u1ec3n c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng v\u1ed1n ch\u1ec9 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua c\u00e1c chi nh\u00e1nh sang c\u00e1c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c cung c\u1ea5p nh\u1edd v\u00e0o internet. T\u1eeb \u0111\u00f3, m\u1ecdi ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn chi nh\u00e1nh v\u00e0 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ecdi l\u00fac m\u1ecdi n\u01a1i kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o th\u1eddi gian, kh\u00f4ng gian n\u00ean kh\u00e1ch h\u00e0ng ho\u00e0n to\u00e0n ch\u1ee7 \u0111\u1ed9ng.<\/p>\n <\/p>\n <\/p>\n S\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a Internet \u0111\u1ed3ng ngh\u0129a v\u1edbi s\u1ef1 gia t\u0103ng c\u1ee7a Digital banking, \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi s\u1ef1 ra \u0111\u1eddi c\u1ee7a th\u1ebb v\u00e0 m\u00e1y ATM trong nh\u1eefng n\u0103m 1960. Ng\u00e0y nay, nh\u1edd c\u00f3 Internet v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c thi\u1ebft b\u1ecb di \u0111\u1ed9ng, c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 th\u1ec3 gi\u1edbi thi\u1ec7u th\u00eam nhi\u1ec1u k\u00eanh t\u01b0\u01a1ng t\u00e1c cho kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh.<\/p>\n Digital banking cung c\u1ea5p s\u1ef1 ti\u1ec7n l\u1ee3i cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, h\u1ecd c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m th\u1eddi gian x\u1eed l\u00fd nh\u1eefng v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn c\u00e1c giao d\u1ecbch m\u1ecdi l\u00fac m\u1ecdi n\u01a1i. \u0110\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, h\u1ecd ti\u1ebft ki\u1ec7m nhi\u1ec1u h\u01a1n cho vi\u1ec7c \u0111\u1ea7u t\u01b0 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, nh\u00e2n vi\u00ean khi t\u1ea5t c\u1ea3 giao d\u1ecbch \u0111\u1ec1u th\u00f4ng qua tr\u1ef1c tuy\u1ebfn. Theo b\u00e1o c\u00e1o g\u1ea7n \u0111\u00e2y, Santander<\/a> l\u00e0 m\u1ed9t ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u, \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh c\u1eaft gi\u1ea3m 1\/5 m\u1ea1ng l\u01b0\u1edbi giao d\u1ecbch c\u1ee7a m\u00ecnh.<\/p>\n <\/p>\n <\/p>\n M\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u hi\u1ec3u c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng l\u00e0 nh\u1eefng t\u1ed5 ch\u1ee9c \u0111\u1ea7u ti\u00ean cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh nh\u01b0 ti\u1ec1n g\u1eedi, cho vay, chuy\u1ec3n ti\u1ec1n, thanh to\u00e1n h\u00f3a \u0111\u01a1n, … Tuy nhi\u00ean, ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng b\u1ecb gi\u1edbi h\u1ea1n b\u1edfi \u0111\u1ecba \u0111i\u1ec3m c\u1ee7a c\u00e1c giao d\u1ecbch khi kh\u00e1ch h\u00e0ng mu\u1ed1n th\u1ef1c hi\u1ec7n v\u00e0 ch\u00fang ch\u1ec9 m\u1edf c\u1eeda theo gi\u1edd ho\u1ea1t \u0111\u1ed9ng \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh s\u1eb5n c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n V\u1edbi s\u1ef1 ra \u0111\u1eddi c\u1ee7a Internet, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u00e3 c\u00f3 th\u1ec3 v\u01b0\u1ee3t qua r\u00e0o c\u1ea3n v\u1ecb tr\u00ed v\u00e0 th\u1eddi gian \u1edf m\u1ed9t m\u1ee9c \u0111\u1ed9 n\u00e0o \u0111\u00f3. Ng\u00e0y nay, c\u00e1c e-Banking<\/strong><\/a> d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng v\u00e0 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung nh\u01b0 Internet banking, SMS banking, … Th\u00f4ng qua tr\u1ef1c tuy\u1ebfn, h\u1ecd cho ph\u00e9p kh\u00e1ch h\u00e0ng truy c\u1eadp v\u00e0o th\u00f4ng tin t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh, c\u0169ng nh\u01b0 chuy\u1ec3n kho\u1ea3n v\u00e0 thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng.<\/p>\n Digital banking chuy\u1ec3n \u0111\u1ed5i cung c\u1ea5p d\u1ecbch v\u1ee5 ho\u00e0n to\u00e0n tr\u00ean Internet v\u00e0 lo\u1ea1i b\u1ecf nhu c\u1ea7u v\u1ec1 c\u00e1c chi nh\u00e1nh c\u1ee7a ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. Nnamdi Azodo c\u1ee7a ALAT Digital Bank cho bi\u1ebft, Digital banking l\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cho m\u1ecdi ho\u1ea1t \u0111\u1ed9ng, quy tr\u00ecnh v\u00e0 ch\u01b0\u01a1ng tr\u00ecnh ng\u00e2n h\u00e0ng. \u00a0Nh\u1edd \u0111\u00f3 gi\u00fap t\u0103ng tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng khi th\u1ef1c hi\u1ec7n m\u1ecdi giao d\u1ecbch tr\u1edf n\u00ean \u0111\u01a1n gi\u1ea3n, d\u1ec5 d\u00e0ng v\u00e0 thu\u1eadn ti\u1ec7n h\u01a1n. Hay n\u00f3i m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n h\u01a1n, m\u1ed1i quan h\u1ec7 c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi Digital banking l\u00e0 ho\u00e0n to\u00e0n tr\u1ef1c tuy\u1ebfn.<\/p>\n <\/p>\n <\/p>\n <\/p>\n Nh\u1eefng l\u1ee3i th\u1ebf c\u1ee7a Digital banking<\/strong><\/a> l\u00e0 l\u00e0m t\u0103ng hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 c\u1ea3i thi\u1ec7n m\u1ee9c \u0111\u1ed9 d\u1ecbch v\u1ee5, ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c cho kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 nh\u00e2n vi\u00ean c\u1ee7a ng\u00e2n h\u00e0ng. L\u00e0 s\u1ef1 s\u1eb5n c\u00f3 c\u1ee7a d\u1ecbch v\u1ee5 24 gi\u1edd, k\u1ec3 c\u1ea3 ng\u00e0y l\u1ec5 v\u00e0 d\u1ec5 d\u00e0ng ki\u1ec3m so\u00e1t c\u00e1c ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch c\u1ee7a m\u00ecnh.<\/p>\n – Ti\u1ebft ki\u1ec7m c\u00f4ng s\u1ee9c v\u00e0 th\u1eddi gian m\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng khi kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn tr\u1ee5 s\u1edf ng\u00e2n h\u00e0ng. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n ch\u00fang \u1edf b\u1ea5t k\u00ec \u0111\u00e2u, b\u1ea5t k\u00ec khi n\u00e0o h\u1ecd mu\u1ed1n.<\/p>\n – S\u1ef1 d\u1ec5 d\u00e0ng c\u1ee7a c\u00e1c giao d\u1ecbch trong Digital banking v\u00e0 t\u1ed1c \u0111\u1ed9 th\u1ef1c hi\u1ec7n ch\u00fang nhanh h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n – \u0110\u01b0\u1ee3c t\u00edch h\u1ee3p v\u1edbi nhi\u1ec1u c\u00f4ng ngh\u1ec7 m\u1edbi nh\u01b0 Blockchain, gi\u00fap b\u1ea3o m\u1eadt cao h\u01a1n, gi\u1ea3m m\u1ee9c \u0111\u1ed9 r\u1ee7i ro b\u1ecb \u0111\u00e1nh c\u1eafp d\u1eef li\u1ec7u t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n – T\u1ea5t c\u1ea3 giao d\u1ecbch \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua tr\u1ef1c tuy\u1ebfn, gi\u00fap gi\u1ea3m chi ph\u00ed v\u1eadn h\u00e0nh cho c\u00e1c ng\u00e2n h\u00e0ng, t\u1eeb \u0111\u00f3 gi\u1ea3m chi ph\u00ed cho kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3 cho c\u00e1c giao d\u1ecbch \u0111\u00f3.<\/p>\n <\/p>\n <\/p>\n <\/p>\n Nh\u1eefng r\u1ee7i ro c\u1ee7a Digital banking<\/strong><\/a> \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c nh\u00e0 kinh t\u1ebf \u0111\u00e3 c\u1ea3nh b\u00e1o v\u1ec1 khi giao d\u1ecbch qua h\u1ec7 th\u1ed1ng c\u1ee7a mobile banking nh\u01b0 sau:<\/p>\n – Vi\u1ec7c chuy\u1ec3n ti\u1ec1n ch\u1ec9 th\u1ef1c hi\u1ec7n b\u1eb1ng c\u00e1ch nh\u1ea5n n\u00fat \u0111i\u1ec7n tho\u1ea1i c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn t\u1ed5n h\u1ea1i n\u1ec1n kinh t\u1ebf c\u1ee7a m\u1ed9t qu\u1ed1c gia. Khi m\u00e0 d\u00f2ng ti\u1ec1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng b\u1ecb gi\u00e1m s\u00e1t, vi\u1ec7c r\u1eeda ti\u1ec1n x\u1ea3y ra l\u00e0 chuy\u1ec7n \u0111\u01a1n nhi\u00ean.<\/p>\n – Nh\u1eefng hackers chuy\u00ean nghi\u1ec7p l\u00e0 lu\u00f4n v\u1ea5n \u0111\u1ec1 khi giao d\u1ecbch qua tr\u1ef1c tuy\u1ebfn. H\u1ecd c\u00f3 th\u1ec3 x\u00e2m nh\u1eadp v\u00e0o t\u00e0i kho\u1ea3n ho\u1eb7c sao ch\u00e9p th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n <\/p>\n <\/p>\n – L\u1ed7i k\u0129 thu\u1eadt c\u00f3 th\u1ec3 c\u1ea3n tr\u1edf c\u00f4ng vi\u1ec7c c\u1ee7a to\u00e0n b\u1ed9 ng\u00e2n h\u00e0ng. T\u1eeb m\u1ed9t t\u00e0i kho\u1ea3n c\u00f3 v\u1ea5n \u0111\u1ec1 v\u1ec1 virus c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn l\u00e2y lan, x\u00e2m nh\u1eadp v\u00e0o v\u00e0 g\u00e2y t\u1ed5n h\u1ea1i cho c\u1ea3 h\u1ec7 th\u1ed1ng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n – Khi m\u1ed1i quan h\u1ec7 c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n l\u00e0 tr\u1ef1c tuy\u1ebfn, c\u00f3 th\u1ec3 k\u00e9o theo m\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng vay m\u00e0 kh\u00f4ng c\u00f3 t\u00e0i kho\u1ea3n th\u1ebf ch\u1ea5p \u0111\u1ea7y \u0111\u1ee7 d\u1ec5 x\u1ea3y ra gian l\u1eadn.<\/p>\n <\/p>\n Xem th\u00eam: “Neobank l\u00e0 g\u00ec? L\u1ee3i \u00edch c\u1ee7a Neobank v\u00e0 c\u00e1ch ho\u1ea1t \u0111\u1ed9ng<\/strong><\/a>“<\/p><\/blockquote>\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<\/a>, Manulife, Commonwealth Bank,\u2026 \u1ee9ng d\u1ee5ng gi\u1ea3i ph\u00e1p do Innotech Vietnam cung c\u1ea5p.<\/p>\n N\u1ebfu b\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t c\u00f4ng ty Fintech Outsourcing \u0111\u1ec3 cung c\u1ea5p\u00a0gi\u1ea3i ph\u00e1p v\u1ec1 Digital Banking<\/strong><\/a>\u00a0cho c\u00f4ng ty c\u1ee7a b\u1ea1n. H\u00e3y 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 eKYC<\/p>\nV\u1eady Digital banking l\u00e0 g\u00ec?<\/strong><\/h2>\n
T\u1ea7m quan tr\u1ecdng ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a Digital banking<\/strong><\/h2>\n
Santander \u0111\u00e3 quy\u1ebft \u0111\u1ecbnh c\u1eaft gi\u1ea3m 1\/5 m\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh c\u1ee7a m\u00ecnh<\/em><\/p>\n
<\/h2>\n
Digital banking so v\u1edbi e-Banking v\u00e0 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng<\/strong><\/h2>\n
Timo l\u00e0 digial banking \u0111\u1ea7u ti\u1ec1n t\u1ea1i Vi\u1ec7t Nam<\/em><\/p>\n
\u01afu \u0111i\u1ec3m c\u1ee7a Digital banking<\/strong><\/h2>\n
C\u1eaft gi\u1ea3m chi ph\u00ed l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean d\u00e2n d\u1eabn \u0111\u1ebfn s\u1ef1 ph\u1ed5 bi\u1ebfn c\u1ee7a digital banking<\/em><\/p>\n
Nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a Digital banking<\/strong><\/h2>\n
Nh\u1eefng hackers chuy\u00ean nghi\u1ec7p l\u00e0 lu\u00f4n v\u1ea5n \u0111\u1ec1 khi giao d\u1ecbch qua tr\u1ef1c tuy\u1ebfn<\/em><\/p>\n
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