{"id":7359,"date":"2020-06-23T06:28:39","date_gmt":"2020-06-23T06:28:39","guid":{"rendered":"https:\/\/innotech-vn.com\/?p=7359"},"modified":"2020-06-26T10:54:10","modified_gmt":"2020-06-26T10:54:10","slug":"tai-sao-digital-banking-tro-thanh-xu-huong-tuong-lai","status":"publish","type":"post","link":"https:\/\/innotech-vn.com\/vie\/tai-sao-digital-banking-tro-thanh-xu-huong-tuong-lai\/","title":{"rendered":"T\u1ea1i Sao Digital Banking Tr\u1edf Th\u00e0nh Xu H\u01b0\u1edbng T\u01b0\u01a1ng Lai ?"},"content":{"rendered":"

S\u1ef1 gia t\u0103ng c\u1ee7a ng\u00e2n h\u00e0ng m\u1edf (Open Banks) v\u00e0 c\u00e1c c\u00f4ng ty start-up Fintech \u0111ang l\u00e0m rung chuy\u1ec3n ng\u00e0nh ng\u00e2n h\u00e0ng. \u0110\u1eb7c bi\u1ec7t, Digital Banking \u0111ang d\u1ea7n tr\u1edf th\u00e0nh xu h\u01b0\u1edbng c\u1ee7a ng\u00e2n h\u00e0ng t\u01b0\u01a1ng lai<\/a>. <\/strong>H\u00e3y c\u00f9ng ch\u00fang t\u00f4i t\u00ecm hi\u1ec3u!<\/p>\n

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Digital banking l\u00e0 g\u00ec?<\/strong><\/h2>\n

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Digital banking<\/strong><\/a> hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 ng\u00e2n h\u00e0ng s\u1ed1 l\u00e0 h\u00ecnh th\u1ee9c chuy\u1ec3n \u0111\u1ed5i sang \u0111\u1ecbnh d\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n d\u01b0\u1edbi d\u1ea1ng th\u1ee7 c\u00f4ng v\u00e0 l\u00e0m vi\u1ec7c d\u1ef1a tr\u00ean gi\u1ea5y t\u1edd. Gi\u00fap ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho con ng\u01b0\u1eddi g\u00e2y ra v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng. Ngo\u00e0i ra, n\u00f3 cho ph\u00e9p kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n, \u0111\u0103ng k\u00fd cho vay, thanh to\u00e1n tr\u1ef1c tuy\u1ebfn ngay tr\u00ean chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh c\u1ee7a m\u00ecnh.<\/p>\n

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\"S\u1ed1 S\u1ed1 h\u00f3a ng\u00e2n h\u00e0ng gi\u00fap ng\u00e2n h\u00e0ng lo\u1ea1i b\u1ecf \u0111\u01b0\u1ee3c nh\u1eefng r\u1ee7i ro do con ng\u01b0\u1eddi g\u00e2y ra v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng<\/em><\/p>\n

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Ti\u1ebfp t\u1ee5c nh\u00ecn v\u1ec1 t\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng, k\u1ef9 thu\u1eadt s\u1ed1 s\u1ebd kh\u00f4ng c\u00f2n l\u00e0 y\u1ebfu t\u1ed1 mang l\u1ea1i s\u1ef1 c\u1ea1nh tranh cho h\u1ecd m\u00e0 s\u1ebd l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng n\u00e0o mu\u1ed1n t\u1ed3n t\u1ea1i. H\u01a1n th\u1ebf n\u1eefa, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u kh\u00e1m ph\u00e1 c\u00e1c quy tr\u00ecnh kinh doanh hi\u1ec7u qu\u1ea3 h\u01a1n t\u1eeb vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o AI<\/strong><\/a>, RPA (Robotic Process Automation)<\/a><\/strong>, Learning machine,… c\u00f3 th\u1ec3 mang l\u1ea1i d\u1ecbch v\u1ee5 t\u1ed1t nh\u1ea5t cho kh\u00e1ch h\u00e0ng.<\/p>\n

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T\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 k\u1ef9 thu\u1eadt s\u1ed1<\/strong><\/h2>\n

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Ngo\u00e0i t\u00ednh b\u1ea3o m\u1eadt cao, hi\u1ec7u qu\u1ea3 v\u1ec1 chi ph\u00ed th\u00ec gi\u00e1 tr\u1ecb th\u1ef1c m\u00e0 k\u1ef9 thu\u1eadt s\u1ed1 mang l\u1ea1i cho kh\u00e1ch h\u00e0ng l\u00e0 \u0111\u1ed9ng l\u1ef1c m\u1ea1nh m\u1ebd cho ng\u00e2n h\u00e0ng. Theo Ian Bradbury, gi\u00e1m \u0111\u1ed1c c\u00f4ng ngh\u1ec7 cho c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh t\u1ea1i Fujitsu cho bi\u1ebft: \u201cNg\u01b0\u1eddi d\u00e2n ng\u00e0y c\u00e0ng th\u00edch s\u1ef1 \u0111\u01a1n gi\u1ea3n trong vi\u1ec7c qu\u1ea3n l\u00fd t\u1ea5t c\u1ea3 t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd \u1edf m\u1ed9t n\u01a1i, thi\u1ebft l\u1eadp thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng ho\u1eb7c g\u1eedi ti\u1ec1n, m\u1ecdi l\u00fac m\u1ecdi n\u01a1i m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i x\u1ebfp h\u00e0ng v\u00e0o ng\u00e2n h\u00e0ng\u201d.<\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 c\u1ea1nh tranh v\u1edbi c\u00e1c c\u00f4ng ty Fintech<\/strong><\/a> n\u1ebfu h\u1ecd c\u1ed1 g\u1eafng ch\u0103m s\u00f3c v\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n. B\u1edfi v\u00ec v\u1edbi n\u1ec1n t\u1ea3ng v\u00e0 uy t\u00edn v\u1ec1 s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 m\u00e0 h\u1ecd \u0111\u00e3 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc \u0111\u00e2y, th\u00ec ng\u00e2n h\u00e0ng c\u00f3 l\u1ee3i th\u1ebf h\u01a1n r\u1ea5t nhi\u1ec1u c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n

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Ng\u00e2n h\u00e0ng \u0111a k\u00eanh l\u00e0 g\u00ec?<\/strong><\/h2>\n

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Ng\u00e2n h\u00e0ng \u0111a k\u00eanh<\/a><\/strong> l\u00e0 ng\u00e2n h\u00e0ng cho ph\u00e9p kh\u00e1ch h\u00e0ng truy c\u1eadp d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng theo th\u1eddi gian th\u1ef1c th\u00f4ng qua b\u1ea5t k\u1ef3 k\u00eanh n\u00e0o, c\u00f3 th\u1ec3 l\u00e0 chi nh\u00e1nh ng\u00e2n h\u00e0ng, ATM, trung t\u00e2m cu\u1ed9c g\u1ecdi ho\u1eb7c tr\u1ef1c tuy\u1ebfn. Khi \u0111\u00f3, n\u00f3 cho ph\u00e9p kh\u00e1ch h\u00e0ng t\u1ef1 do l\u1ef1a ch\u1ecdn k\u00eanh \u0111\u1ec3 truy c\u1eadp t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd \u1edf b\u1ea5t c\u1ee9 \u0111\u00e2u, b\u1ea5t c\u1ee9 l\u00fac n\u00e0o v\u00e0 th\u00f4ng qua b\u1ea5t k\u1ef3 ph\u01b0\u01a1ng ti\u1ec7n n\u00e0o.<\/p>\n

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\"Ng\u00e2n Ng\u00e2n h\u00e0ng \u0111a k\u00eanh l\u00e0 ng\u00e2n h\u00e0ng cho ph\u00e9p kh\u00e1ch h\u00e0ng truy c\u1eadp d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng theo nhi\u1ec1u k\u00eanh kh\u00e1c nhau<\/em><\/p>\n

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Ng\u00e2n h\u00e0ng \u0111a k\u00eanh c\u00f3 th\u1ec3 mang l\u1ea1i cho kh\u00e1ch h\u00e0ng m\u1ed9t tr\u1ea3i nghi\u1ec7m to\u00e0n di\u1ec7n, c\u00f3 th\u1ec3 g\u1eafn k\u1ebft kh\u00e1ch h\u00e0ng \u1edf m\u1ecdi giai \u0111o\u1ea1n. V\u00ed d\u1ee5 nh\u01b0 b\u1ea1n g\u1ecdi \u0111i\u1ec7n \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ec3 h\u1ecfi v\u1ec1 kho\u1ea3n th\u1ebf ch\u1ea5p c\u1ee7a m\u00ecnh v\u00e0 khi b\u1ea1n \u0111\u1ebfn ng\u00e2n h\u00e0ng b\u1ea1n n\u00f3i r\u1eb1ng \u0111\u00e3 n\u00f3i chuy\u1ec7n v\u1edbi nh\u00e2n vi\u00ean v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y qua \u0111i\u1ec7n tho\u1ea1i. Khi \u0111\u00f3, ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 n\u00f3i v\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh \u201cB\u1ea1n ph\u1ea3i quay l\u1ea1i trung t\u00e2m cu\u1ed9c g\u1ecdi, v\u00ec ch\u00fang t\u00f4i kh\u00f4ng bi\u1ebft b\u1ea1n \u0111\u00e3 n\u00f3i g\u00ec\u201d. \u0110\u00e2y c\u0169ng l\u00e0 ti\u1ec1n \u0111\u1ec1 h\u00ecnh th\u00e0nh ng\u00e2n h\u00e0ng m\u1edf.<\/p>\n

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Ng\u00e2n h\u00e0ng m\u1edf l\u00e0 g\u00ec?<\/strong><\/h2>\n

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Ng\u00e2n h\u00e0ng m\u1edf<\/strong><\/a> c\u00f3 ngh\u0129a l\u00e0 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u m\u1edf \u0111\u1ec3 h\u01b0\u1edbng t\u1edbi s\u1ef1 minh b\u1ea1ch h\u01a1n v\u00e0 d\u1ec5 d\u00e0ng h\u01a1n cho kh\u00e1ch h\u00e0ng khi h\u1ecd s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c nhau. Ng\u00e2n h\u00e0ng m\u1edf c\u00f3 ngh\u0129a l\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd c\u00f3 th\u1ec3 truy c\u1eadp t\u1ea5t c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng ch\u1ec9 t\u1ea1i m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m. T\u1ea1i \u0111\u00f3, h\u1ecd c\u00f3 th\u1ec3 t\u00ecm ki\u1ebfm m\u1ed9t kho\u1ea3n vay, th\u1ebf ch\u1ea5p ho\u1eb7c \u0111\u1ec3 thanh to\u00e1n h\u00f3a \u0111\u01a1n c\u1ee7a m\u00ecnh.<\/p>\n

\u00dd t\u01b0\u1edfng mang t\u00ednh c\u00e1ch m\u1ea1ng n\u00e0y \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 Second Payment Services Directive (PSD2) hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 Ch\u1ec9 th\u1ecb d\u1ecbch v\u1ee5 thanh to\u00e1n 2. PSD2 y\u00eau c\u1ea7u c\u00e1c ng\u00e2n h\u00e0ng m\u1edf quy\u1ec1n truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u v\u00e0 th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng, n\u1ebfu \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n. V\u1edbi m\u1ee5c ti\u00eau mong mu\u1ed1n mang l\u1ea1i cho kh\u00e1ch h\u00e0ng l\u00e0 d\u1ec5 d\u00e0ng h\u01a1n khi n\u00f3i \u0111\u1ebfn d\u1ecbch v\u1ee5 t\u00e0i kho\u1ea3n v\u00e0 thanh to\u00e1n. V\u00ed d\u1ee5 nh\u01b0 khi kh\u00e1ch h\u00e0ng mu\u1ed1n mua b\u1ea5t c\u1ee9 th\u1ee9 g\u00ec th\u00f4ng qua online, theo PSD2 ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n h\u01b0\u1edbng \u0111\u1ebfn Paypal \u0111\u1ec3 thanh to\u00e1n ch\u00fang m\u00e0 kh\u00f4ng ph\u1ea3i tho\u00e1t ra kh\u1ecfi \u1ee9ng d\u1ee5ng.<\/p>\n

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\"Ch\u1ec9 Ch\u1ec9 th\u1ecb d\u1ecbch v\u1ee5 thanh to\u00e1n 2 (PSD2) ti\u1ec1n \u0111\u1ec1 h\u00ecnh th\u00e0nh ng\u00e2n h\u00e0ng m\u1edf<\/em><\/p>\n

\u00a0<\/strong><\/p>\n

Ng\u00e2n h\u00e0ng m\u1edf l\u00e0m g\u00ec cho kh\u00e1ch h\u00e0ng?<\/strong><\/h2>\n

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N\u1ebfu ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n \u0111\u00fang theo l\u00fd thuy\u1ebft ban \u0111\u1ea7u, \u0111i\u1ec1u n\u00e0y s\u1ebd gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng tr\u1edf v\u1ec1 \u0111\u00fang v\u1edbi vai tr\u00f2 l\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. Khi \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd cung c\u1ea5p n\u1ec1n t\u1ea3ng c\u1ee7a m\u00ecnh \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 c\u00e1 nh\u00e2n h\u00f3a ch\u00fang cho kh\u00e1ch h\u00e0ng.<\/p>\n

L\u1ea5y v\u00ed d\u1ee5 v\u1ec1 vi\u1ec7c mua m\u1ed9t ng\u00f4i nh\u00e0. Th\u1ebf ch\u1ea5p l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 m\u00e0 c\u00f4ng ty t\u00e0i ch\u00ednh cung c\u1ea5p cho b\u1ea1n. Th\u00ec ng\u00e2n h\u00e0ng m\u1edf s\u1ebd cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00f4ng ch\u1ec9 b\u00e1n cho kh\u00e1ch h\u00e0ng m\u1ed9t kho\u1ea3n th\u1ebf ch\u1ea5p m\u00e0 c\u00f2n c\u00f3 th\u1ec3 mua ng\u00f4i nh\u00e0 v\u1edbi m\u1ee9c gi\u00e1 c\u1ea1nh tranh nh\u1ea5t, c\u0169ng nh\u01b0 cung c\u1ea5p nh\u1eefng hi\u1ec3u bi\u1ebft v\u1ec1 v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn ng\u00f4i nh\u00e0.<\/p>\n

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Tr\u1edf th\u00e0nh m\u1ed9t ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1: Bank Leumi v\u00e0 Pepper<\/strong><\/h2>\n

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Ng\u00e2n h\u00e0ng Leumi, ng\u00e2n h\u00e0ng l\u00e2u \u0111\u1eddi nh\u1ea5t c\u1ee7a Israel, \u0111\u00e3 b\u1ecb thuy\u1ebft ph\u1ee5c r\u1eb1ng t\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng c\u00f3 ngh\u0129a l\u00e0 ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n. V\u00ec th\u1ebf, h\u1ecd s\u1eb5n s\u00e0ng d\u00e0nh nhi\u1ec1u th\u1eddi gian v\u00e0 ti\u1ec1n b\u1ea1c \u0111\u1ec3 t\u1ea1o ra Mobile Banking<\/strong><\/a> \u0111\u1ea7u ti\u00ean.<\/p>\n

H\u1ecd quy\u1ebft \u0111\u1ecbnh kh\u00f4ng ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 s\u1ed1 h\u00f3a c\u00e1c ho\u1ea1t \u0111\u1ed9ng hi\u1ec7n t\u1ea1i c\u1ee7a Bank Leumi, m\u00e0 l\u00e0 thay th\u1ebf t\u1ea5t c\u1ea3 c\u00e1c h\u1ec7 th\u1ed1ng CNTT c\u1ed1t l\u00f5i c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 x\u00e2y d\u1ef1ng s\u1ea3n ph\u1ea9m c\u1ee7a ri\u00eang h\u1ecd tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 m\u1edbi. K\u1ebft qu\u1ea3 l\u00e0 Pepper – Mobile Banking \u0111\u1ea7u ti\u00ean c\u1ee7a Israel ra \u0111\u1eddi. \u0110i\u1ec1u quan tr\u1ecdng, Pepper l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c t\u1ea1o n\u00ean d\u1ef1a tr\u00ean k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi, do \u0111\u00f3 n\u00f3 ho\u00e0n to\u00e0n t\u1ea1o \u0111\u01b0\u1ee3c ni\u1ec1m tin v\u00e0 uy t\u00edn d\u00e0nh cho kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd.<\/p>\n

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\"Pepper Pepper – Mobile banking \u0111\u1ea7u ti\u00ean c\u1ee7a Israel<\/em><\/p>\n

\u00a0<\/strong><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng c\u00f3 th\u1ec3 h\u1ecdc \u0111\u01b0\u1ee3c g\u00ec t\u1eeb fintechs?<\/strong><\/h2>\n

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Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, nh\u1eefng c\u00f4ng ty Fintech t\u1ea1o \u0111\u01b0\u1ee3c \u01b0a th\u00edch \u0111\u1ed1i v\u1edbi c\u00f4ng ch\u00fang \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n qua h\u00e0ng lo\u1ea1t v\u1ee5 g\u1ecdi v\u1ed1n \u201ckh\u1ee7ng\u201d th\u00e0nh c\u00f4ng hay s\u1ef1 t\u0103ng tr\u01b0\u1edfng c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. V\u00ec th\u1ebf c\u00e1c ng\u00e2n h\u00e0ng b\u1eaft \u0111\u1ea7u lo ng\u1ea1i r\u1eb1ng h\u1ecd s\u1ebd b\u1ecb di\u1ec7t vong n\u1ebfu kh\u00f4ng \u0111\u1ed5i m\u1edbi v\u00e0 s\u00e1ng t\u1ea1o.<\/p>\n

V\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 h\u1ecdc h\u1ecfi t\u1eeb fintech \u0111\u1ec3 c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c v\u00e0 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 c\u1ee7a m\u00ecnh v\u00e0 mang l\u1ea1i cho kh\u00e1ch h\u00e0ng s\u1ea3n ph\u1ea9m t\u1ed1t h\u01a1n. Nh\u01b0ng n\u1ebfu c\u00e1c ng\u00e2n h\u00e0ng ch\u1ec9 ch\u1ea1y theo c\u00f4ng ty fintech, ch\u1ea1y theo xu h\u01b0\u1edbng m\u1edbi nh\u1eb1m l\u1ea5p l\u1ed7 h\u1ed5ng trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00ecnh b\u1eb1ng c\u00e1ch tung ra “m\u1ed9t d\u1ef1 \u00e1n m\u1edbi” b\u1edfi m\u1ed9t c\u00e1n b\u1ed9 ng\u00e2n h\u00e0ng n\u00e0o \u0111\u00f3 \u0111ang mu\u1ed1n c\u1ea1nh tranh thu h\u00fat s\u1ef1 ch\u00fa \u00fd c\u1ee7a l\u00e3nh \u0111\u1ea1o c\u1ea5p cao \u0111ang ph\u1ea3i th\u1ee5 l\u00fd h\u00e0ng ng\u00e0n d\u1ef1 \u00e1n t\u01b0\u01a1ng t\u1ef1 th\u00ec vi\u1ec7c “\u0111\u1ed5i m\u1edbi” n\u00e0y s\u1ebd kh\u00f4ng mang l\u1ea1i hi\u1ec7u qu\u1ea3 k\u1ef3 v\u1ecdng nh\u01b0 so v\u1edbi c\u00e1c fintech v\u1ed1n coi vi\u1ec7c tung ra c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y nh\u01b0 l\u00e0 v\u1ea5n \u0111\u1ec1 mang t\u00ednh s\u1ed1ng c\u00f2n.<\/p>\n

V\u1eady t\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 g\u00ec? N\u00f3 ch\u1eafc ch\u1eafn l\u00e0 k\u1ef9 thu\u1eadt s\u1ed1 b\u1edfi k\u1ebft qu\u1ea3 n\u00f3 mang l\u1ea1i cho ng\u00e2n h\u00e0ng hi\u1ec7u qu\u1ea3 h\u01a1n trong vi\u1ec7c kinh doanh c\u1ee7a m\u00ecnh khi t\u0103ng minh b\u1ea1ch v\u00e0 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng. B\u1ea5t k\u1ef3 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh n\u00e0o mu\u1ed1n ph\u00e1t tri\u1ec3n trong t\u01b0\u01a1ng lai th\u00ec n\u00ean b\u1eaft \u0111\u1ea7u chu\u1ea9n b\u1ecb t\u1eeb b\u00e2y gi\u1edd.<\/p>\n

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T\u1ea1i <\/span>Innotech Vietnam<\/b><\/a>, ch\u00fang t\u00f4i cung c\u1ea5p nhi\u1ec1u d\u1ecbch v\u1ee5 v\u1ec1 ph\u1ea7n m\u1ec1m v\u1edbi vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn, gi\u1ea3i ph\u00e1p s\u00e1ng t\u1ea1o \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u00e0 mong \u0111\u1ee3i t\u1eeb kh\u00e1ch h\u00e0ng. Ch\u00fang t\u00f4i lu\u00f4n \u0111\u1eb7t ch\u1ea5t l\u01b0\u1ee3ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 l\u00ean h\u00e0ng \u0111\u1ea7u v\u1edbi \u0111\u1ed9i ng\u0169 chuy\u00ean nghi\u1ec7p v\u00e0 gi\u00e0u kinh nghi\u1ec7m \u0111\u1ec3 c\u00f3 th\u1ec3 mang l\u1ea1i gi\u00e1 tr\u1ecb t\u1ed1t nh\u1ea5t cho kh\u00e1ch h\u00e0ng.<\/span><\/p>\n

B\u1ea1n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t c\u00f4ng ty Software Outsourcing Development \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>Software outsourcing development<\/b><\/a>!<\/span><\/p>\n

Email: <\/span>info@innotech-vn.com<\/span><\/a><\/p>","protected":false},"excerpt":{"rendered":"

S\u1ef1 gia t\u0103ng c\u1ee7a ng\u00e2n h\u00e0ng m\u1edf (Open Banks) v\u00e0 c\u00e1c c\u00f4ng ty start-up Fintech \u0111ang l\u00e0m rung chuy\u1ec3n ng\u00e0nh ng\u00e2n h\u00e0ng. \u0110\u1eb7c bi\u1ec7t, Digital Banking \u0111ang d\u1ea7n tr\u1edf th\u00e0nh xu h\u01b0\u1edbng c\u1ee7a ng\u00e2n h\u00e0ng t\u01b0\u01a1ng lai. H\u00e3y c\u00f9ng ch\u00fang t\u00f4i t\u00ecm hi\u1ec3u!   Digital banking l\u00e0 g\u00ec?   Digital banking hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi […]<\/p>","protected":false},"author":7,"featured_media":7369,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[2254],"tags":[],"yst_prominent_words":[3338,674,3344,90,3345,684,845,997,3343,595,78,1090,3342,3340,3341,3336,3337,3346,3339,3335],"publishpress_future_action":{"enabled":false,"date":"2025-07-06 23:48:34","action":"draft","terms":[],"taxonomy":"category"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/7359"}],"collection":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/comments?post=7359"}],"version-history":[{"count":6,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/7359\/revisions"}],"predecessor-version":[{"id":7376,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/posts\/7359\/revisions\/7376"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/media\/7369"}],"wp:attachment":[{"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/media?parent=7359"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/categories?post=7359"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/tags?post=7359"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/innotech-vn.com\/vie\/wp-json\/wp\/v2\/yst_prominent_words?post=7359"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}