{"id":6621,"date":"2020-05-11T05:00:25","date_gmt":"2020-05-11T05:00:25","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=6621"},"modified":"2023-10-17T04:33:20","modified_gmt":"2023-10-17T04:33:20","slug":"quy-trinh-ekyc-tham-dinh-cho-vay-duoc-thuc-hien-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/quy-trinh-ekyc-tham-dinh-cho-vay-duoc-thuc-hien-nhu-the-nao\/","title":{"rendered":"L\u1ee3i \u00edch c\u1ee7a quy tr\u00ecnh eKYC th\u1ea9m \u0111\u1ecbnh cho vay"},"content":{"rendered":"

\u1ee8ng d\u1ee5ng quy tr\u00ecnh eKYC th\u1ea9m \u0111\u1ecbnh cho vay<\/strong><\/a> gi\u00fap ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh d\u1ec5 d\u00e0ng v\u00e0 nhanh ch\u00f3ng h\u01a1n trong vi\u1ec7c \u0111\u1ecbnh danh \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh, t\u1eeb \u0111\u00f3 h\u1ea1n ch\u1ebf gian l\u1eadn v\u00e0 t\u1ed5n th\u1ea5t x\u1ea3y ra.<\/p>\n

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Th\u1ea9m \u0111\u1ecbnh cho vay r\u1ea5t quan tr\u1ecdng \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh<\/strong><\/h2>\n

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Trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh th\u00ec cho vay l\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111em l\u1ea1i l\u1ee3i nhu\u1eadn l\u1edbn nh\u1ea5t, song n\u00f3 c\u0169ng ti\u1ec1m \u1ea9n r\u1ea5t nhi\u1ec1u r\u1ee7i ro. V\u00ec c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh li\u00ean t\u1ee5c ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn l\u1eeba \u0111\u1ea3o, r\u1eeda ti\u1ec1n v\u00e0 t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1,\u2026 Cho n\u00ean ho\u1ea1t \u0111\u1ed9ng th\u1ea9m \u0111\u1ecbnh cho vay l\u00e0 m\u1ed9t trong m\u1ed9t trong nh\u1eefng qu\u00e1 tr\u00ecnh c\u1ef1c k\u00ec kh\u00f3 kh\u0103n v\u00e0 m\u1ea5t nhi\u1ec1u th\u1eddi gian. Ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u1ea7n nh\u1eadn di\u1ec7n, s\u00e0ng l\u1ecdc nh\u1eefng kh\u00e1ch h\u00e0ng m\u1ed9t c\u00e1ch c\u1ea9n th\u1eadn \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng t\u00edn d\u1ee5ng t\u1ed1t nh\u1ea5t.<\/p>\n

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\"Ho\u1ea1t Ho\u1ea1t \u0111\u1ed9ng cho vay l\u00e0 m\u1ed9t trong nh\u1eefng l\u0129nh v\u1ef1c mang l\u1ea1i nhi\u1ec1u l\u1ee3i nhu\u1eadn v\u00e0 r\u1ee7i ro cho ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh<\/em><\/p>\n

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T\u1ea1i sao ph\u1ea3i \u1ee9ng d\u1ee5ng gi\u1ea3i ph\u00e1p eKYC v\u00e0o qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh cho vay<\/strong><\/h2>\n

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eKYC<\/strong><\/a> l\u00e0 ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed d\u1ef1a tr\u00ean quy tr\u00ecnh KYC<\/strong><\/a> v\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a c\u00e1c c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn nh\u01b0 ki\u1ec3m tra, \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin c\u00e1 nh\u00e2n t\u1ee9c th\u1eddi v\u1edbi c\u01a1 s\u1edf d\u1eef li\u1ec7u t\u1eadp trung v\u1ec1 danh t\u00ednh ng\u01b0\u1eddi d\u00f9ng, x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc, nh\u1eadn di\u1ec7n kh\u00e1ch h\u00e0ng nh\u1edd tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o\u2026 gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c th\u1eddi gian, ti\u1ec1n b\u1ea1c v\u00e0 nh\u00e2n l\u1ef1c x\u00e1c \u0111\u1ecbnh danh t\u00ednh kh\u00e1ch h\u00e0ng. Hi\u1ec7n t\u1ea1i, \u00a0eKYC Vi\u1ec7t Nam<\/strong><\/a>\u00a0 c\u0169ng \u0111ang \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 khuy\u1ebfn kh\u00edch th\u1ef1c hi\u1ec7n v\u00e0 \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng\u00a0n\u00f3 c\u00e0ng nhanh c\u00e0ng t\u1ed1t v\u00e0o c\u00e1c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng hi\u1ec7n t\u1ea1i.<\/p>\n

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\"eKYC eKYC l\u00e0 ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng \u0111i\u1ec7n t\u1eed d\u1ef1a tr\u00ean quy tr\u00ecnh KYC<\/em><\/p>\n

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T\u1eeb \u0111\u00f3, l\u00e0m cho c\u00e1c giao d\u1ecbch kinh doanh, quy tr\u00ecnh ng\u00e2n h\u00e0ng nhanh h\u01a1n v\u00e0 mang l\u1ea1i tr\u1ea3i nghi\u1ec7m t\u1ed1t nh\u1ea5t cho kh\u00e1ch h\u00e0ng. D\u1ef1a tr\u00ean quy tr\u00ecnh\u00a0eKYC<\/strong><\/a>, thao t\u00e1c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng c\u0169ng nhanh ch\u00f3ng h\u01a1n, th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt ngay sau khi ho\u00e0n t\u1ea5t qu\u00e1 tr\u00ecnh \u0111\u0103ng k\u00fd, t\u1eeb \u0111\u00f3 h\u1ea1n ch\u1ebf kh\u1ea3 n\u0103ng x\u1ea3y ra sai s\u00f3t do con ng\u01b0\u1eddi g\u00e2y ra. B\u1edfi h\u1eadu qu\u1ea3 cho vi\u1ec7c g\u00e2y ra n\u00e0y l\u00e0 c\u1ef1c k\u00ec nghi\u00eam tr\u1ecdng.<\/p>\n

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Nh\u1eefng l\u1ee3i \u00edch n\u1ed5i b\u1eadt khi \u1ee9ng d\u1ee5ng quy tr\u00ecnh eKYC th\u1ea9m \u0111\u1ecbnh cho vay<\/strong><\/h2>\n

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Gi\u1ea3i ph\u00e1p eKYC \u0111\u00e3 mang l\u1ea1i v\u00f4 s\u1ed1 ti\u1ec7n \u00edch cho ng\u00e0nh ng\u00e2n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh cho vay. Nh\u1edd v\u00e0o c\u00f4ng ngh\u1ec7 OCR<\/strong><\/a>, Face Detection v\u00e0 k\u1ebft h\u1ee3p c\u00f4ng ngh\u1ec7 Liveness Detection gi\u00fap ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh d\u1ec5 d\u00e0ng x\u00e1c minh \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. Ngo\u00e0i ra, n\u00f3 c\u00f2n gi\u1ea3m t\u1ea3i l\u01b0\u1ee3ng l\u1edbn c\u00f4ng vi\u1ec7c h\u00e0nh ch\u00ednh c\u1ee7a nh\u00e2n vi\u00ean, ti\u1ebft ki\u1ec7m chi ph\u00ed v\u1eadn h\u00e0nh cho doanh nghi\u1ec7p.<\/p>\n

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\"Gi\u1ea3i Gi\u1ea3i ph\u00e1p eKYC k\u1ebft h\u1ee3p v\u1edbi nhi\u1ec1u c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn gi\u00fap ng\u0103n ng\u1eeba nh\u1eefng h\u00e0nh vi gian l\u1eadn hi\u1ec7u qu\u1ea3<\/em><\/p>\n

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