{"id":2235,"date":"2019-05-29T14:53:20","date_gmt":"2019-05-29T11:53:20","guid":{"rendered":"https:\/\/super-news.info\/vi\/chung-toi-muon-tien-phong-trong-cong-nghe-de-gia-tang-trai-nghiem-cho-khach-hang-va-mang-ve-loi-nhuan-nhieu-hon\/"},"modified":"2019-05-29T14:53:21","modified_gmt":"2019-05-29T11:53:21","slug":"chung-toi-muon-tien-phong-trong-cong-nghe-de-gia-tang-trai-nghiem-cho-khach-hang-va-mang-ve-loi-nhuan-nhieu-hon","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/chung-toi-muon-tien-phong-trong-cong-nghe-de-gia-tang-trai-nghiem-cho-khach-hang-va-mang-ve-loi-nhuan-nhieu-hon\/","title":{"rendered":"Ch\u00fang t\u00f4i mu\u1ed1n ti\u00ean phong trong c\u00f4ng ngh\u1ec7 \u0111\u1ec3 gia t\u0103ng tr\u1ea3i nghi\u1ec7m cho kh\u00e1ch h\u00e0ng v\u00e0 mang v\u1ec1 l\u1ee3i nhu\u1eadn nhi\u1ec1u h\u01a1n"},"content":{"rendered":"

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Chi\u1ec1u ng\u00e0y 28\/5, H\u1ed9i th\u1ebb ng\u00e2n h\u00e0ng Vi\u1ec7t Nam ph\u1ed1i h\u1ee3p v\u1edbi C\u00f4ng ty c\u1ed5 ph\u1ea7n thanh to\u00e1n qu\u1ed1c gia Vi\u1ec7t Nam (Napas) c\u00f9ng v\u1edbi 7 ng\u00e2n h\u00e0ng l\u00e0 Vietcombank, BIDV, Agribank, VietinBank, Sacombank, ABBank v\u00e0 TPBank \u0111\u00e3 c\u00f4ng b\u1ed1 ra m\u1eaft s\u1ea3n ph\u1ea9m th\u1ebb chip n\u1ed9i \u0111\u1ecba c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip n\u1ed9i \u0111\u1ecba l\u00e0 m\u1ee5c ti\u00eau chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a NHNN, g\u00f3p ph\u1ea7n thay \u0111\u1ed5i th\u00f3i quen d\u00f9ng ti\u1ec1n m\u1eb7t c\u1ee7a ng\u01b0\u1eddi d\u00e2n c\u0169ng nh\u01b0 ph\u00f2ng ch\u1ed1ng t\u00ecnh tr\u1ea1ng gian l\u1eadn th\u1ebb, ch\u1ed1ng n\u1ea1n \u0103n c\u1eafp d\u1eef li\u1ec7u b\u1eb1ng ph\u01b0\u01a1ng ph\u00e1p c\u00e0i thi\u1ebft b\u1ecb \u0111\u1ecdc tr\u1ed9m d\u1eef li\u1ec7u th\u1ebb (skimming) khi kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n t\u1ea1i c\u00e1c c\u00e2y ATM. <\/p>\n

B\u00ean l\u1ec1 s\u1ef1 ki\u1ec7n, ch\u00fang t\u00f4i \u0111\u00e3 c\u00f3 cu\u1ed9c trao \u0111\u1ed5i v\u1edbi \u00f4ng Nguy\u1ec5n Minh T\u00e2m, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c Sacombank \u2013 1 trong 7 ng\u00e2n h\u00e0ng ti\u00ean phong v\u1ec1 chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip c\u0169ng nh\u01b0 c\u00e1c \u1ee9ng d\u1ee5ng kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t trong thanh to\u00e1n. <\/p>\n

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Th\u01b0a \u00f4ng, hi\u1ec7n Sacombank c\u00f3 bao nhi\u00eau th\u1ebb v\u00e0 khi n\u00e0o ng\u00e2n h\u00e0ng s\u1ebd b\u1eaft \u0111\u1ea7u ph\u00e1t h\u00e0nh th\u1ebb chip m\u1edbi?<\/i><\/b><\/p>\n

Ch\u00fang t\u00f4i \u0111\u00e3 ph\u00e1t h\u00e0nh h\u01a1n 4 tri\u1ec7u th\u1ebb n\u1ed9i \u0111\u1ecba, bao g\u1ed3m th\u1ebb t\u00edn d\u1ee5ng, th\u1ebb thanh to\u00e1n v\u00e0 th\u1ebb tr\u1ea3 tr\u01b0\u1edbc. T\u00ednh \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay, c\u00f3 th\u1ec3 n\u00f3i Sacombank \u0111\u00e3 ho\u00e0n to\u00e0n s\u1eb5n s\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb chip n\u1ed9i \u0111\u1ecba cho kh\u00e1ch h\u00e0ng hi\u1ec7n h\u1eefu c\u00f3 nhu c\u1ea7u chuy\u1ec3n \u0111\u1ed5i ho\u1eb7c kh\u00e1ch h\u00e0ng m\u1edbi c\u00f3 nhu c\u1ea7u s\u1eed d\u1ee5ng v\u00e0 c\u1ee5 th\u1ec3 l\u00e0 ch\u00fang t\u00f4i \u0111\u00e3 ph\u00e1t h\u00e0nh cho kh\u00e1 nhi\u1ec1u kh\u00e1ch m\u1eddi tham d\u1ef1 s\u1ef1 ki\u1ec7n ra m\u1eaft th\u1ebb chip n\u00e0y \u0111\u1ec3 tr\u1ea3i nghi\u1ec7m ngay t\u1ea1i khu\u00f4n vi\u00ean h\u1ed9i ngh\u1ecb.<\/p>\n

\u0110\u1ec3 \u0111i \u0111\u1ebfn k\u1ebft qu\u1ea3 l\u00e0 1 trong c\u00e1c ng\u00e2n h\u00e0ng ti\u00ean phong v\u1ec1 chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip v\u00e0 c\u00f4ng ngh\u1ec7 contactless, c\u00e1c \u00f4ng \u0111\u00e3 chu\u1ea9n b\u1ecb th\u1ebf n\u00e0o?<\/b><\/i><\/p>\n

Sacombank lu\u00f4n ti\u00ean phong trong l\u0129nh v\u1ef1c ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 m\u1edbi c\u1ee7a th\u1ebb. C\u1ee5 th\u1ec3, ch\u00fang t\u00f4i l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean t\u1ea1i Vi\u1ec7t Nam ph\u00e1t h\u00e0nh th\u1ebb chip qu\u1ed1c t\u1ebf v\u00e0o th\u00e1ng 9\/2010 v\u00e0 l\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean ph\u00e1t h\u00e0nh th\u1ebb chip contactless (thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac) v\u00e0o th\u00e1ng 7\/2017. Do v\u1eady, v\u1edbi kinh nghi\u1ec7m \u0111\u00e3 t\u00edch l\u0169y trong nhi\u1ec1u n\u0103m qua, vi\u1ec7c tri\u1ec3n khai c\u00f4ng t\u00e1c chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip n\u1ed9i \u0111\u1ecba kh\u00f4ng g\u1eb7p nhi\u1ec1u kh\u00f3 kh\u0103n.\u00a0<\/p>\n

\u0110\u1ec3 th\u1ef1c hi\u1ec7n c\u00f4ng t\u00e1c chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip, ch\u00fang t\u00f4i \u0111\u00e3 t\u1eadp trung nhi\u1ec1u ngu\u1ed3n l\u1ef1c \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh v\u00e0 n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng ph\u00e1t h\u00e0nh th\u1ebb v\u00e0 h\u1ec7 th\u1ed1ng ch\u1ea5p nh\u1eadn th\u1ebb t\u1eeb th\u00e1ng 12\/2018. V\u00e0 \u0111\u1ebfn th\u00e1ng 5\/2019 Sacombank \u0111\u00e3 s\u1eb5n s\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb chip n\u1ed9i \u0111\u1ecba.<\/p>\n

Theo Th\u00f4ng t\u01b0 41 do NHNN ban h\u00e0nh, \u0111\u1ebfn ng\u00e0y 31\/12\/2019, T\u1ed5 ch\u1ee9c thanh to\u00e1n th\u1ebb ph\u1ea3i c\u00f3 \u00edt nh\u1ea5t 35% ATM tu\u00e2n th\u1ee7 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba. V\u1edbi Sacombank, hi\u1ec7n t\u1ea1i, 100% m\u00e1y ATM c\u1ee7a Sacombank \u0111\u00e3 s\u1eb5n s\u00e0ng ch\u1ea5p nh\u1eadn th\u1ebb chip n\u1ed9i \u0111\u1ecba. \u0110\u1ed1i v\u1edbi thi\u1ebft b\u1ecb POS th\u00ec ch\u00fang t\u00f4i \u0111ang c\u1eadp nh\u1eadt v\u00e0 s\u1ebd ho\u00e0n t\u1ea5t trong th\u00e1ng 6\/2019. 100% POS \u0111\u1ec1u ch\u1ea5p nh\u1eadn th\u1ebb chip n\u1ed9i \u0111\u1ecba, trong \u0111\u00f3 tr\u00ean 50% m\u00e1y h\u1ed7 tr\u1ee3 t\u00ednh n\u0103ng kh\u00f4ng ti\u1ebfp x\u00fac. Do v\u1eady, c\u00f3 th\u1ec3 n\u00f3i Sacombank l\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean \u0111\u00e3 ho\u00e0n th\u00e0nh tr\u01b0\u1edbc k\u1ebf ho\u1ea1ch m\u00e0 NHNN \u0111\u00e3 y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi c\u00e1c thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb chip .<\/p>\n

Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u1ebb c\u00f3 \u1ea3nh h\u01b0\u1edfng g\u00ec t\u1edbi c\u00e1c giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng hi\u1ec7n nay kh\u00f4ng th\u01b0a \u00f4ng?<\/b><\/i><\/p>\n

Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u1ebb kh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng hay l\u00e0m gi\u00e1n \u0111o\u1ea1n c\u00e1c giao d\u1ecbch th\u1ebb c\u1ee7a kh\u00e1ch h\u00e0ng. C\u00e1c giao d\u1ecbch tr\u00ean th\u1ebb t\u1eeb trong th\u1eddi gian Sacombank \u0111ang chuy\u1ec3n \u0111\u1ed5i th\u1ebb chip v\u1eabn giao d\u1ecbch b\u00ecnh th\u01b0\u1eddng. V\u00ec khi ch\u00fang t\u00f4i ho\u00e0n t\u1ea5t vi\u1ec7c s\u1ea3n xu\u1ea5t th\u1ebb chip cho kh\u00e1ch h\u00e0ng, kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u1ebfn Sacombank nh\u1eadn th\u1ebb. Khi \u0111\u00f3, Sacombank s\u1ebd k\u00edch ho\u1ea1t th\u1ebb chip cho kh\u00e1ch h\u00e0ng \u0111\u1ec3 th\u1ebb chip s\u1eb5n s\u00e0ng s\u1eed d\u1ee5ng, \u0111\u1ed3ng th\u1eddi thanh l\u00fd th\u1ebb t\u1eeb m\u00e0 kh\u00e1ch h\u00e0ng \u0111ang s\u1eed d\u1ee5ng.<\/p>\n

Khi s\u1eed d\u1ee5ng th\u1ebb chip, giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd thu\u1eadn ti\u1ec7n h\u01a1n. \u0110\u1eb7c bi\u1ec7t l\u00e0 t\u1ea1i ATM, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u1ea7n ph\u1ea3i nh\u1eadp m\u1eadt m\u00e3 2 l\u1edbp x\u00e1c th\u1ef1c nh\u01b0 th\u1ebb t\u1eeb.<\/p>\n

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\"L\u00e3nh<\/div>\n<\/div>\n

V\u1edbi h\u00e0ng tri\u1ec7u th\u1ebb hi\u1ec7n h\u1eefu, ng\u00e2n h\u00e0ng t\u00ednh to\u00e1n th\u1eddi gian chuy\u1ec3n \u0111\u1ed5i khi n\u00e0o th\u00ec xong?<\/i><\/b><\/p>\n

Ch\u00fang t\u00f4i d\u1ef1 t\u00ednh c\u00f4ng t\u00e1c chuy\u1ec3n \u0111\u1ed5i th\u1ebb s\u1ebd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo \u0111\u00fang l\u1ed9 tr\u00ecnh c\u1ee7a Th\u00f4ng t\u01b0 41\/2018 c\u1ee7a NHNN quy \u0111\u1ecbnh, c\u1ee5 th\u1ec3 l\u00e0 \u0111\u1ebfn h\u1ebft n\u0103m 2019 s\u1ebd c\u00f3 \u00edt nh\u1ea5t 30% th\u1ebb t\u1eeb n\u1ed9i \u0111\u1ecba \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip, cu\u1ed1i n\u0103m 2020 s\u1ebd c\u00f3 60% th\u1ebb t\u1eeb n\u1ed9i \u0111\u1ecba \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip v\u00e0 d\u1ef1 ki\u1ebfn \u0111\u1ebfn h\u1ebft 2021 s\u1ebd \u0111\u1ea1t 100% kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng th\u1ebb chip n\u1ed9i \u0111\u1ecba.<\/p>\n

\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o ti\u1ebfn \u0111\u1ed9 c\u00f4ng t\u00e1c chuy\u1ec3n \u0111\u1ed5i n\u00e0y, Sacombank c\u1ea7n th\u1ef1c hi\u1ec7n song song nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng nh\u01b0 t\u0103ng m\u1edbi ph\u00e1t h\u00e0nh th\u1ebb chip n\u1ed9i \u0111\u1ecba, t\u0103ng c\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng chuy\u1ec3n \u0111\u1ed5i th\u1ebb cho kh\u00e1ch h\u00e0ng hi\u1ec7n h\u1eefu.<\/p>\n

\u0110\u01b0\u1ee3c bi\u1ebft chi ph\u00ed c\u1ee7a vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u1ebb n\u00e0y r\u1ea5t t\u1ed1n k\u00e9m, \u00f4ng c\u00f3 th\u1ec3 chia s\u1ebb c\u1ee5 th\u1ec3?<\/i><\/b><\/p>\n

Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u1ebb chip \u0111\u00fang l\u00e0 kh\u00e1 t\u1ed1n k\u00e9m. Ri\u00eang ph\u1ea7n chi ph\u00ed ph\u00f4i th\u1ebb chip m\u1edbi \u0111\u00e3 cao g\u1ea5p 5 l\u1ea7n so v\u1edbi ph\u00f4i th\u1ebb t\u1eeb. Ngo\u00e0i ra, chi ph\u00ed n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng cho vi\u1ec7c ph\u00e1t h\u00e0nh v\u00e0 ch\u1ea5p nh\u1eadn th\u1ebb n\u1ed9i \u0111\u1ecba c\u0169ng l\u00ean \u0111\u1ebfn con s\u1ed1 100.000 USD. V\u1ec1 ph\u1ea7n m\u1ea1ng l\u01b0\u1edbi ch\u1ea5p nh\u1eadn th\u1ebb bao g\u1ed3m ATM v\u00e0 POS, th\u00ec Sacombank kh\u00f4ng t\u1ed1n k\u00e9m th\u00eam chi ph\u00ed b\u1edfi ng\u00e2n h\u00e0ng \u0111\u00e3 n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c xu h\u01b0\u1edbng chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip n\u00ean c\u0169ng \u0111\u00e3 c\u00f3 s\u1ef1 chu\u1ea9n b\u1ecb v\u00e0 \u0111\u1ea7u t\u01b0 chi ph\u00ed t\u1eeb tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n

Tuy t\u1ed1n k\u00e9m kh\u00e1 nhi\u1ec1u chi ph\u00ed nh\u01b0ng ch\u00fang t\u00f4i cho r\u1eb1ng vi\u1ec7c \u0111\u1ea7u t\u01b0 n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng, v\u00ec \u0111\u1ea3m b\u1ea3o an to\u00e0n t\u00e0i ch\u00ednh cho kh\u00e1ch h\u00e0ng, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t theo ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n

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\"L\u00e3nh<\/div>\n<\/div>\n

V\u1edbi lo\u1ea1i th\u1ebb contactless, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u1ea7n m\u1eadt kh\u1ea9u v\u1eabn c\u00f3 th\u1ec3 giao d\u1ecbch \u0111\u01b0\u1ee3c, v\u1eady t\u00ednh b\u1ea3o m\u1eadt \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o th\u1ebf n\u00e0o?<\/b><\/i><\/p>\n

V\u1edbi lo\u1ea1i th\u1ebb m\u1edbi, t\u00ednh b\u1ea3o m\u1eadt cao h\u01a1n, nh\u01b0ng kh\u00e1ch h\u00e0ng v\u1eabn c\u1ea7n nh\u1eadp m\u1eadt kh\u1ea9u khi giao d\u1ecbch thanh to\u00e1n (PIN), bao g\u1ed3m thanh to\u00e1n qua chip contact (con chip n\u1ed5i tr\u00ean m\u1eb7t tr\u01b0\u1edbc th\u1ebb), d\u00e3y t\u1eeb ph\u00eda sau v\u00e0 chip contactless (\u0111\u1ed1i v\u1edbi giao d\u1ecbch t\u1eeb 1 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean) \u0111\u1ec3 t\u0103ng th\u00eam t\u00ednh b\u1ea3o m\u1eadt.<\/p>\n

\u0110\u1ed1i v\u1edbi giao d\u1ecbch contactless d\u01b0\u1edbi 1 tri\u1ec7u \u0111\u1ed3ng th\u00ec kh\u00f4ng c\u1ea7n nh\u1eadp PIN \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c thanh to\u00e1n \u0111\u01b0\u1ee3c nhanh ch\u00f3ng v\u00e0 ti\u1ec7n l\u1ee3i cho kh\u00e1ch h\u00e0ng. Th\u1ebb chip th\u00f4ng minh t\u00edch h\u1ee3p c\u00f4ng ngh\u1ec7 kh\u00f4ng ti\u1ebfp x\u00fac (contactless) \u0111\u1ea3m b\u1ea3o \u0111\u1ea7y \u0111\u1ee7 t\u00ednh an to\u00e0n b\u1ea3o m\u1eadt theo chu\u1ea9n qu\u1ed1c t\u1ebf EMV, v\u1edbi nhi\u1ec1u l\u1edbp b\u1ea3o m\u1eadt v\u00e0 ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng trong kho\u1ea3ng c\u00e1ch quy \u0111\u1ecbnh c\u1ee7a thi\u1ebft b\u1ecb thanh to\u00e1n.\u00a0<\/p>\n

\u0110\u1ed3ng th\u1eddi, ng\u00e2n h\u00e0ng c\u0169ng \u0111\u00e3 x\u00e2y d\u1ef1ng c\u00e1c lu\u1ed3ng ki\u1ec3m so\u00e1t r\u1ee7i ro trong ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch, \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch c\u00f3 d\u1ea5u hi\u1ec7u nghi ng\u1edd, Sacombank s\u1ebd li\u00ean h\u1ec7 kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o \u0111\u00fang ch\u1ee7 th\u1ebb th\u1ef1c hi\u1ec7n giao d\u1ecbch, c\u0169ng nh\u01b0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ch\u1ee7 \u0111\u1ed9ng kh\u00f3a th\u1ebb tr\u00ean \u1ee9ng d\u1ee5ng thanh to\u00e1n (Sacombank Pay, Sacombank Mbanking) hay b\u1eb1ng tin nh\u1eafn ho\u1eb7c li\u00ean h\u1ec7 t\u1ed5ng \u0111\u00e0i.<\/p>\n

\n
\"L\u00e3nh<\/div>\n
\n

\u00d4ng Nguy\u1ec5n Minh T\u00e2m, Ph\u00f3 T\u1ed5ng gi\u00e1m \u0111\u1ed1c Sacombank<\/p>\n<\/div>\n<\/div>\n

Ng\u00e2n h\u00e0ng s\u1ebd khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00f9ng th\u1ebb m\u1edbi ra sao th\u01b0a \u00f4ng?<\/b><\/i><\/p>\n

Trong th\u1eddi gian \u0111\u1ea7u tri\u1ec3n khai, \u0111\u1ec3 khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng th\u1ebb chip n\u1ed9i \u0111\u1ecba, Sacombank s\u1ebd tri\u1ec3n khai nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nh\u01b0 kh\u00f4ng thay \u0111\u1ed5i ph\u00ed ph\u00e1t h\u00e0nh v\u00e0 ph\u00ed th\u01b0\u1eddng ni\u00ean hay thu th\u00eam ph\u00ed kh\u00e1c li\u00ean quan \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng chip; th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i mi\u1ec5n ph\u00ed cho nh\u00f3m kh\u00e1ch h\u00e0ng c\u00f3 doanh s\u1ed1 giao d\u1ecbch cao; t\u0103ng c\u01b0\u1eddng th\u1ef1c hi\u1ec7n c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i \u0111\u1ec3 k\u00edch th\u00edch kh\u00e1ch h\u00e0ng giao d\u1ecbch th\u1ebb; t\u0103ng c\u01b0\u1eddng th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng truy\u1ec1n th\u00f4ng \u0111\u1ec3 n\u00e2ng cao nh\u1eadn th\u1ee9c v\u1ec1 t\u00ednh ti\u1ec7n l\u1ee3i v\u00e0 an to\u00e0n c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng th\u1ebb, \u0111\u1eb7c bi\u1ec7t l\u00e0 th\u1ebb chip.<\/p>\n

\u0110\u1ed1i v\u1edbi ch\u1ee7 th\u1ebb hi\u1ec7n h\u1eefu, ch\u00fang t\u00f4i s\u1ebd khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00f9ng th\u1ebb m\u1edbi th\u00f4ng qua c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u1ebb \u0111i k\u00e8m v\u1edbi c\u00e1c \u01b0u \u0111\u00e3i h\u1ea5p d\u1eabn. \u0110\u1ed3ng th\u1eddi, Sacombank s\u1ebd t\u0103ng c\u01b0\u1eddng c\u00f4ng t\u00e1c truy\u1ec1n th\u00f4ng qua email, SMS, \u0111i\u1ec7n tho\u1ea1i… \u0111\u1ec3 ch\u1ee7 th\u1ebb c\u00f3 th\u00eam th\u00f4ng tin v\u1ec1 c\u00e1c ti\u1ec7n \u00edch c\u1ee7a th\u1ebb m\u1edbi.<\/p>\n

Ri\u00eang \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng m\u1edbi, ng\u00e2n h\u00e0ng s\u1ebd khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00f9ng th\u1ebb m\u1edbi th\u00f4ng qua c\u00e1c ho\u1ea1t \u0111\u1ed9ng truy\u1ec1n th\u00f4ng r\u1ed9ng r\u00e3i tr\u00ean c\u00e1c k\u00eanh b\u00e1o ch\u00ed, website, fanpage c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 th\u00f4ng qua \u0111\u1ed9i ng\u0169 chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n gi\u00e0u n\u0103ng l\u1ef1c t\u1ea1i c\u00e1c \u0111i\u1ec3m giao d\u1ecbch.<\/p>\n

\n
\"L\u00e3nh<\/div>\n<\/div>\n

Chi ph\u00ed \u0111\u1ea7u t\u01b0 l\u1edbn v\u1eady c\u00e1c \u00f4ng k\u1ef3 v\u1ecdng g\u00ec \u1edf d\u00f2ng th\u1ebb m\u1edbi n\u00e0y \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng?<\/i><\/b><\/p>\n

D\u00f2ng th\u1ebb m\u1edbi c\u00f3 nhi\u1ec1u l\u1ee3i \u0111i\u1ec3m nh\u01b0 t\u00ednh an to\u00e0n b\u1ea3o m\u1eadt \u0111\u01b0\u1ee3c n\u00e2ng cao v\u00e0 \u0111\u01b0\u1ee3c trang b\u1ecb th\u00eam c\u00f4ng ngh\u1ec7 contactless gi\u00fap vi\u1ec7c thanh to\u00e1n nhanh ch\u00f3ng v\u00e0 ti\u1ec7n l\u1ee3i h\u01a1n. Ngo\u00e0i ra, v\u1edbi c\u00f4ng ngh\u1ec7 chip, cho ph\u00e9p th\u00f4ng tin \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef nhi\u1ec1u h\u01a1n tr\u00ean th\u1ebb, s\u1ebd l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 ng\u00e2n h\u00e0ng tri\u1ec3n khai c\u00e1c d\u1ecbch v\u1ee5 \u0111a ti\u1ec7n \u00edch, k\u1ebft n\u1ed1i d\u1eef li\u1ec7u kh\u00e1c ngo\u00e0i th\u00f4ng tin th\u1ebb nh\u01b0 th\u1ebb h\u1ecdc \u0111\u01b0\u1eddng, th\u1ebb b\u1ec7nh vi\u1ec7n, th\u1ebb c\u01b0 d\u00e2n, c\u00e1c lo\u1ea1i th\u1ebb ph\u1ee5c v\u1ee5 cho d\u1ecbch v\u1ee5 thanh to\u00e1n c\u00f4ng,\u2026 gi\u00fap ng\u00e2n h\u00e0ng m\u1edf r\u1ed9ng h\u01a1n ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng, c\u0169ng nh\u01b0 mang \u0111\u1ebfn nhi\u1ec1u d\u1ecbch v\u1ee5 tr\u1ecdn g\u00f3i h\u01a1n cho ch\u1ee7 th\u1ebb; t\u1eeb \u0111\u00f3, gia t\u0103ng c\u00e1c ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. D\u1ef1 ki\u1ebfn vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb c\u00f4ng ngh\u1ec7 t\u1eeb sang c\u00f4ng ngh\u1ec7 chip s\u1ebd gi\u00fap th\u1ebb n\u1ed9i \u0111\u1ecba c\u1ee7a Sacombank t\u0103ng th\u00eam 30% doanh thu so v\u1edbi n\u0103m 2018.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f9ng v\u1edbi vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u1ebb v\u00e0 ph\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m th\u1ebb m\u1edbi, trong v\u00f2ng 3 n\u0103m t\u1edbi, Sacombank k\u1ef3 v\u1ecdng th\u1ebb s\u1ebd \u0111\u00f3ng g\u00f3p 40% v\u00e0o l\u1ee3i nhu\u1eadn ng\u00e2n h\u00e0ng v\u00e0 ti\u1ebfp t\u1ee5c gi\u1eef v\u1eefng th\u01b0\u01a1ng hi\u1ec7u l\u00e0 ng\u00e2n h\u00e0ng ti\u00ean phong trong c\u00f4ng ngh\u1ec7 m\u1edbi.<\/p>\n

\n
\"L\u00e3nh<\/div>\n<\/div>\n

\u0110\u01b0\u1ee3c bi\u1ebft Sacombank l\u00e0 ng\u00e2n h\u00e0ng \u0111i \u0111\u1ea7u trong \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 QR Code trong thanh to\u00e1n, v\u00e0 b\u00e2y gi\u1edd l\u00e0 1 trong 7 ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip. \u0110i \u0111\u1ea7u th\u01b0\u1eddng s\u1ebd c\u00f3 nh\u1eefng r\u1ee7i ro v\u00e0 kh\u00f3 kh\u0103n nh\u1ea5t \u0111\u1ecbnh, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1ec1 chi ph\u00ed, v\u1eady xin h\u1ecfi \u00f4ng l\u00fd do n\u00e0o ng\u00e2n h\u00e0ng l\u1ea1i mu\u1ed1n tr\u1edf th\u00e0nh ng\u01b0\u1eddi d\u1eabn \u0111\u1ea7u nh\u01b0 v\u1eady?<\/i><\/b><\/p>\n

T\u00ednh \u0111\u1ebfn th\u1eddi \u0111i\u1ec3m hi\u1ec7n nay, Sacombank l\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean v\u00e0 duy nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam tri\u1ec3n khai ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n QR theo chu\u1ea9n EMV c\u1ee7a 5 t\u1ed5 ch\u1ee9c th\u1ebb bao g\u1ed3m Visa, Mastercard, UnionPay, JCP v\u00e0 Napas. M\u1eb7c d\u00f9, th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam ch\u01b0a ph\u1ed5 bi\u1ebfn v\u1edbi ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n n\u00e0y so v\u1edbi n\u01b0\u1edbc l\u00e1ng gi\u1ec1ng l\u00e0 Trung Qu\u1ed1c. Tuy nhi\u00ean, ch\u00fang t\u00f4i nh\u1eadn th\u1ea5y ti\u1ec1m n\u0103ng ph\u00e1t tri\u1ec3n trong t\u01b0\u01a1ng lai, n\u00ean \u0111\u00e3 \u0111\u1ea7u t\u01b0 v\u00e0 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u00f4ng ngh\u1ec7 n\u00e0y. \u0110\u00f3 l\u00e0 m\u1ed9t v\u00ed d\u1ee5 c\u1ee5 th\u1ec3 cho vi\u1ec7c lu\u00f4n ti\u00ean phong trong l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 thanh to\u00e1n m\u00e0 Sacombank \u0111\u00e3 v\u00e0 \u0111ang th\u1ef1c hi\u1ec7n trong su\u1ed1t nhi\u1ec1u n\u0103m qua.<\/p>\n

L\u0129nh v\u1ef1c thanh to\u00e1n l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c r\u1ea5t nh\u1ea1y v\u1edbi c\u00f4ng ngh\u1ec7 v\u00e0 ph\u1ea3i li\u00ean t\u1ee5c thay \u0111\u1ed5i \u0111\u1ec3 mang l\u1ea1i tr\u1ea3i nghi\u1ec7m tuy\u1ec7t v\u1eddi nh\u1ea5t cho kh\u00e1ch h\u00e0ng. \u0110\u00fang l\u00e0 ng\u01b0\u1eddi d\u1eabn \u0111\u1ea7u s\u1ebd g\u1eb7p nh\u1eefng kh\u00f3 kh\u0103n v\u00e0 r\u1ee7i ro nh\u1ea5t \u0111\u1ecbnh nh\u01b0 ph\u1ea3n \u1ee9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng, c\u1ea7n nhi\u1ec1u chi ph\u00ed cho vi\u1ec7c \u0111\u1ea7u t\u01b0 ban \u0111\u1ea7u v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 m\u1edbi,\u2026 Tuy nhi\u00ean, ng\u01b0\u1eddi d\u1eabn \u0111\u1ea7u c\u0169ng s\u1ebd c\u00f3 nhi\u1ec1u \u01b0u th\u1ebf nh\u01b0 chi\u1ebfm l\u0129nh th\u1ecb tr\u01b0\u1eddng, t\u1ea1o \u1ea5n t\u01b0\u1ee3ng v\u1ec1 th\u01b0\u01a1ng hi\u1ec7u, \u0111\u1eb7c bi\u1ec7t v\u00e0 quan tr\u1ecdng nh\u1ea5t \u0111\u00f3 l\u00e0 ph\u01b0\u01a1ng ch\u00e2m ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Sacombank, lu\u00f4n l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m tr\u1ecdng t\u00e2m, n\u00ean vi\u1ec7c kh\u00e1ch h\u00e0ng h\u00e0i l\u00f2ng khi tr\u1ea3i nghi\u1ec7m nh\u1eefng d\u1ecbch v\u1ee5 t\u1ed1t nh\u1ea5t l\u00e0 ph\u1ea7n th\u01b0\u1edfng qu\u00fd gi\u00e1 cho nh\u1eefng n\u1ed7 l\u1ef1c c\u1ee7a ch\u00fang t\u00f4i.<\/p>\n

\n
\"L\u00e3nh<\/div>\n<\/div>\n

Chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a Sacombank l\u00e0 ng\u00e2n h\u00e0ng hi\u1ec7n \u0111\u1ea1i h\u00f3a c\u00f4ng ngh\u1ec7 h\u00f3a n\u00ean vi\u1ec7c \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 tuy t\u1ed1n k\u00e9m nh\u01b0ng c\u1ea7n thi\u1ebft \u0111\u1ec3 th\u1ef1c hi\u1ec7n. \u0110\u1ea7u t\u01b0 v\u1ec1 c\u00f4ng ngh\u1ec7 s\u1ebd gi\u00fap t\u1ea1o th\u00eam c\u01a1 h\u1ed9i kinh doanh, c\u01a1 h\u1ed9i t\u0103ng th\u00eam doanh thu v\u00e0 ti\u1ebft gi\u1ea3m c\u00e1c chi ph\u00ed v\u1eadn h\u00e0nh th\u1ee7 c\u00f4ng. Do \u0111\u00f3, tuy t\u1ed1n k\u00e9m v\u1ec1 chi ph\u00ed \u0111\u1ea7u t\u01b0, nh\u01b0ng c\u00e1c ngu\u1ed3n l\u1ee3i c\u00f3 \u0111\u01b0\u1ee3c trong t\u01b0\u01a1ng lai s\u1ebd gi\u00fap t\u0103ng tr\u01b0\u1edfng l\u1ee3i nhu\u1eadn nhi\u1ec1u h\u01a1n. M\u1eb7t kh\u00e1c, do ho\u1ea1ch \u0111\u1ecbnh chi ph\u00ed t\u1ed1t, n\u00ean c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u1ec1 c\u00f4ng ngh\u1ec7 kh\u00f4ng l\u00e0m \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ec3n ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng, m\u00e0 ng\u01b0\u1ee3c l\u1ea1i, c\u00f4ng ngh\u1ec7 g\u00f3p ph\u1ea7n \u0111em nhi\u1ec1u l\u1ee3i \u00edch thi\u1ebft th\u1ef1c cho Sacombank nh\u01b0 s\u1ef1 tin t\u01b0\u1edfng v\u00e0 g\u1eafn b\u00f3 c\u1ee7a kh\u00e1ch h\u00e0ng, s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u1ea5n t\u01b0\u1edfng v\u1ec1 doanh s\u1ed1 th\u1ebb,\u2026<\/p>\n

Trong thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, Sacombank \u0111\u00e3 hi\u1ec7n di\u1ec7n \u1edf nh\u1eefng l\u0129nh v\u1ef1c, d\u1ecbch v\u1ee5 n\u00e0o th\u01b0a \u00f4ng?<\/i><\/b><\/p>\n

\u1ede m\u1ea3ng ch\u1ea5p nh\u1eadn th\u1ebb, Sacombank tri\u1ec3n khai l\u1eafp \u0111\u1eb7t POS, d\u1ecbch v\u1ee5 ch\u1ea5p nh\u1eadn th\u1ebb qua QR, \u00a0thanh to\u00e1n qua Mobile NFC (Near-Field Communications) \u2013 c\u00f4ng ngh\u1ec7 kh\u00f4ng d\u00e2y t\u1ea7m ng\u1eafn, s\u1eed d\u1ee5ng c\u1ea3m \u1ee9ng t\u1eeb tr\u01b0\u1eddng \u0111\u1ec3 th\u1ef1c hi\u1ec7n k\u1ebft n\u1ed1i gi\u1eefa c\u00e1c thi\u1ebft b\u1ecb khi c\u00f3 s\u1ef1 ti\u1ebfp x\u00fac tr\u1ef1c ti\u1ebfp hay \u0111\u1ec3 g\u1ea7n nhau, c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed, cung c\u1ea5p gi\u1ea3i ph\u00e1p cho c\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed,\u2026<\/p>\n

C\u00f2n \u1edf m\u1ea3ng ph\u00e1t h\u00e0nh th\u1ebb, b\u00ean c\u1ea1nh vi\u1ec7c ph\u00e1t h\u00e0nh th\u1ebb th\u00f4ng th\u01b0\u1eddng nh\u01b0 th\u1ebb t\u00edn d\u1ee5ng, thanh to\u00e1n v\u00e0 th\u1ebb tr\u1ea3 tr\u01b0\u1edbc, Sacombank c\u00f2n tri\u1ec3n khai nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nh\u01b0 th\u1ebb \u0111\u1ed3ng th\u01b0\u01a1ng hi\u1ec7u, gi\u1ea3i ph\u00e1p th\u1ebb qu\u00e0 t\u1eb7ng cho c\u00e1c doanh nghi\u1ec7p. Ch\u00fang t\u00f4i c\u0169ng l\u00e0 ng\u00e2n h\u00e0ng tri\u1ec3n khai \u0111\u1ea7u ti\u00ean v\u00e0 c\u00f3 m\u1ea1ng l\u01b0\u1edbi ch\u1ea5p nh\u1eadn th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac kh\u00e1 l\u1edbn tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay.<\/p>\n

Ngo\u00e0i ra, t\u1eeb th\u00e1ng 12\/2018, Sacombank c\u0169ng \u0111\u00e3 ra m\u1eaft \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh Sacombank Pay v\u1edbi nhi\u1ec1u t\u00ednh n\u0103ng n\u1ed5i tr\u1ed9i nh\u01b0 qu\u1ea3n l\u00fd th\u1ebb, giao d\u1ecbch QR (thanh to\u00e1n, r\u00fat ti\u1ec1n m\u1eb7t, chuy\u1ec3n kho\u1ea3n), chuy\u1ec3n ti\u1ec1n nhanh ch\u00f3ng, thanh to\u00e1n online, n\u1ea1p ti\u1ec1n \u0111i\u1ec7n tho\u1ea1i, thanh to\u00e1n h\u00f3a \u0111\u01a1n, \u0111\u0103ng k\u00fd tr\u1ea3 g\u00f3p cho c\u00e1c giao d\u1ecbch th\u1ebb, nh\u1eafc n\u1ee3 t\u1ef1 \u0111\u1ed9ng, l\u1eadp l\u1ecbch thanh to\u00e1n\u2026 v\u00e0 s\u1eafp t\u1edbi s\u1ebd l\u00e0 vay ti\u00eau d\u00f9ng tr\u00ean Sacombank Pay. V\u1edbi nhi\u1ec1u t\u00ednh n\u0103ng n\u1ed5i tr\u1ed9i, Sacombank Pay kh\u00f4ng ch\u1ec9 d\u00e0nh ri\u00eang cho ch\u1ee7 th\u1ebb Sacombank m\u00e0 d\u00e0nh cho t\u1ea5t c\u1ea3 ng\u01b0\u1eddi d\u00f9ng \u0111\u1ed3ng \u00fd t\u1ea3i v\u00e0 \u0111\u0103ng k\u00fd s\u1eed d\u1ee5ng Sacombank Pay. N\u1ebfu kh\u00e1ch h\u00e0ng l\u00e0 ch\u1ee7 th\u1ebb ng\u00e2n h\u00e0ng kh\u00e1c, th\u00ec c\u00f3 th\u1ec3 n\u1ea1p ti\u1ec1n v\u00e0o Sacombank Pay th\u00f4ng qua th\u1ebb \u0111ang s\u1eed d\u1ee5ng hi\u1ec7n t\u1ea1i.\u00a0<\/p>\n

\u0110\u1eb7c bi\u1ec7t l\u00e0 Sacombank Pay c\u00f2n cho ph\u00e9p l\u01b0u th\u00f4ng tin th\u1ebb ng\u00e2n h\u00e0ng kh\u00e1c d\u01b0\u1edbi d\u1ea1ng m\u00e3 h\u00f3a \u0111\u1ec3 thu\u1eadn ti\u1ec7n cho c\u00e1c l\u1ea7n n\u1ea1p ti\u1ec1n sau. Ngo\u00e0i ra, \u1ee9ng d\u1ee5ng Sacombank Pay c\u00f2n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng thanh to\u00e1n th\u00f4ng qua qu\u00e9t m\u00e3 QR code chu\u1ea9n EMV c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c th\u1ebb tr\u00ean kh\u1eafp th\u1ebf gi\u1edbi, r\u1ea5t thu\u1eadn ti\u1ec7n cho kh\u00e1ch h\u00e0ng khi \u0111i du l\u1ecbch \u0111\u1ebfn c\u00e1c n\u01b0\u1edbc ph\u1ed5 bi\u1ebfn h\u00ecnh th\u1ee9c thanh to\u00e1n QR m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i d\u00f9ng \u0111\u1ebfn th\u1ebb nh\u1ef1a. M\u1ee5c ti\u00eau c\u1ee7a ch\u00fang t\u00f4i l\u00e0 \u0111\u01b0a Sacombank Pay tr\u1edf th\u00e0nh m\u1ed9t \u1ee9ng d\u1ee5ng t\u00edch h\u1ee3p t\u1ea5t c\u1ea3 c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh xoay quanh cu\u1ed9c s\u1ed1ng, sinh ho\u1ea1t h\u00e0ng ng\u00e0y c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n

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Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Kim Anh tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 th\u1ebb chip c\u1ee7a ng\u00e2n h\u00e0ng<\/p>\n<\/div>\n<\/div>\n

C\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng \u0111ang b\u1ecb c\u1ea1nh tranh m\u1ea1nh m\u1ebd b\u1edfi c\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng, c\u00e1c \u00f4ng \u0111\u00e1nh gi\u00e1 th\u1ebf n\u00e0o v\u1ec1 s\u1ef1 c\u1ea1nh tranh n\u00e0y?<\/i><\/b>
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V\u00ed \u0111i\u1ec7n t\u1eed l\u00e0 m\u1ed9t th\u1ecb tr\u01b0\u1eddng kinh doanh ti\u1ec1m n\u0103ng, n\u00ean kh\u00f4ng c\u00f2n d\u00e0nh ri\u00eang cho c\u00e1c c\u00f4ng ty Fintech. Hi\u1ec7n to\u00e0n th\u1ecb tr\u01b0\u1eddng \u0111\u00e3 c\u00f3 h\u01a1n 20 v\u00ed \u0111i\u1ec7n t\u1eed, v\u1edbi s\u1ef1 tham gia kh\u00f4ng ch\u1ec9 c\u1ee7a Fintech, m\u00e0 c\u00f2n t\u1eeb c\u00e1c c\u00f4ng ty vi\u1ec5n th\u00f4ng, c\u00f4ng ty c\u00f4ng ngh\u1ec7 v\u1eadn chuy\u1ec3n, ng\u00e2n h\u00e0ng\u2026 Ch\u00fang t\u00f4i cho r\u1eb1ng vi\u1ec7c nhi\u1ec1u \u0111\u01a1n v\u1ecb \u1edf c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c nhau c\u00f9ng tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng m\u1edbi v\u00e0 \u0111\u1ea7y ti\u1ec1m n\u0103ng n\u00e0y s\u1ebd g\u00f3p ph\u1ea7n m\u1ea1nh m\u1ebd trong vi\u1ec7c chuy\u1ec3n d\u1ecbch h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng t\u1eeb vi\u1ec7c s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t sang s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n phi ti\u1ec1n m\u1eb7t nh\u01b0 v\u00ed \u0111i\u1ec7n t\u1eed, \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh, th\u1ebb, QR,\u2026 t\u1ea1o ra m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh r\u1ed9ng l\u1edbn m\u00e0 n\u01a1i \u0111\u00f3 d\u00f2ng ti\u1ec1n lu\u00e2n chuy\u1ec3n m\u1ea1nh m\u1ebd, n\u01a1i m\u00e0 s\u1ebd h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f2n ch\u1ed7 cho c\u00e1c giao d\u1ecbch ti\u1ec1n m\u1eb7t.<\/p>\n

C\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed c\u00f3 c\u00e1c l\u1ee3i th\u1ebf v\u1ec1 m\u1eb7t c\u00f4ng ngh\u1ec7, v\u1ed1n \u0111\u1ea7u t\u01b0, trong khi ng\u00e2n h\u00e0ng l\u1ea1i c\u00f3 c\u00e1c l\u1ee3i th\u1ebf kh\u00e1c nh\u01b0 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, m\u1ea1ng l\u01b0\u1edbi \u0111i\u1ec3m giao d\u1ecbch, m\u1ea1ng l\u01b0\u1edbi ch\u1ea5p nh\u1eadn th\u1ebb, c\u00e1c c\u00f4ng ngh\u1ec7 thanh to\u00e1n chu\u1ea9n qu\u1ed1c t\u1ebf, l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng hi\u1ec7n h\u1eefu,\u2026 n\u00ean vi\u1ec7c ng\u00e2n h\u00e0ng h\u1ee3p t\u00e1c c\u00f9ng c\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed ph\u00e1t tri\u1ec3n l\u00e0 c\u1ea7n thi\u1ebft v\u00ec gi\u00fap ti\u1ebft gi\u1ea3m chi ph\u00ed t\u1ed5ng th\u1ec3 c\u1ee7a to\u00e0n th\u1ecb tr\u01b0\u1eddng, ph\u00e1t tri\u1ec3n th\u00eam l\u1eabn nhau tr\u00ean c\u01a1 s\u1edf l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng hi\u1ec7n h\u1eefu c\u1ee7a c\u00e1c b\u00ean, t\u1eadn d\u1ee5ng h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt c\u1ee7a m\u1ed7i b\u00ean,\u2026<\/p>\n

Hi\u1ec7n Sacombank c\u0169ng \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi r\u1ea5t nhi\u1ec1u v\u00ed \u0111i\u1ec7n t\u1eed th\u00f4ng qua vi\u1ec7c cung c\u1ea5p gi\u1ea3i ph\u00e1p k\u1ef9 thu\u1eadt \u0111\u1ec3 \u0111em l\u1ea1i c\u00f4ng c\u1ee5 thanh to\u00e1n chu\u1ea9n qu\u1ed1c t\u1ebf v\u00e0 vi\u1ec7c k\u1ebft n\u1ed1i h\u1ec7 th\u1ed1ng \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u1ee7a hai b\u00ean c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng h\u1ec7 sinh th\u00e1i ch\u1ea5p nh\u1eadn th\u1ebb l\u1eabn nhau.<\/p>\n

Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111ang l\u00e0 xu h\u01b0\u1edbng c\u1ee7a to\u00e0n th\u1ecb tr\u01b0\u1eddng, v\u1eady k\u1ebf ho\u1ea1ch th\u1eddi gian t\u1edbi c\u1ee7a ng\u00e2n h\u00e0ng th\u1ebf n\u00e0o \u0111\u1ec3 gi\u1eef \u0111\u01b0\u1ee3c v\u1ecb tr\u00ed ti\u00ean phong?<\/b><\/i><\/p>\n

\u0110\u1ec3 th\u00fac \u0111\u1ea9y ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, ch\u00fang t\u00f4i cho r\u1eb1ng vi\u1ec7c ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i thanh to\u00e1n l\u00e0 c\u1ea7n thi\u1ebft. Hi\u1ec7n t\u1ea1i, m\u1ea1ng l\u01b0\u1edbi ch\u1ea5p nh\u1eadn th\u1ebb thanh to\u00e1n to\u00e0n th\u1ecb tr\u01b0\u1eddng ch\u01b0a nhi\u1ec1u so v\u1edbi nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, n\u00ean Sacombank s\u1ebd t\u1eadp trung ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i thanh to\u00e1n v\u1edbi chi ph\u00ed th\u1ea5p nh\u01b0 h\u1ec7 sinh th\u00e1i ch\u1ea5p nh\u1eadn QR, h\u1ec7 sinh th\u00e1i thanh to\u00e1n c\u00e1c ho\u1ea1t \u0111\u1ed9ng thi\u1ebft y\u1ebfu h\u00e0ng ng\u00e0y nh\u01b0 h\u00f3a \u0111\u01a1n, m\u00e1y bay… tr\u00ean \u0111i\u1ec7n tho\u1ea1i \u0111\u1ec3 thu\u1eadn ti\u1ec7n cho ng\u01b0\u1eddi d\u00f9ng s\u1eed d\u1ee5ng.\u00a0 \u0110\u1ed3ng th\u1eddi, ch\u00fang t\u00f4i c\u0169ng \u0111\u1ea9y m\u1ea1nh k\u1ebft n\u1ed1i c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n c\u00f4ng, c\u00f4ng \u00edch nh\u01b0 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh th\u1ebb h\u1ecdc \u0111\u01b0\u1eddng SSC, th\u1ebb kh\u00e1m b\u1ec7nh t\u1ea1i m\u1ed9t s\u1ed1 b\u1ec7nh vi\u1ec7n l\u1edbn, th\u1ebb c\u01b0 d\u00e2n, thi\u1ebft l\u1eadp c\u00e1c c\u1ed5ng thanh to\u00e1n \u0111\u1ec3 thanh to\u00e1n c\u00e1c d\u1ecbch v\u1ee5 th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, thanh to\u00e1n thu\u1ebf, \u0111i\u1ec7n, n\u01b0\u1edbc, vi\u1ec5n th\u00f4ng\u2026<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, ch\u00fang t\u00f4i c\u0169ng ti\u1ebfp t\u1ee5c t\u0103ng c\u01b0\u1eddng c\u00e1c ho\u1ea1t \u0111\u1ed9ng truy\u1ec1n th\u00f4ng v\u00e0 khuy\u1ebfn m\u00e3i \u0111\u1ec3 t\u1ea1o th\u00eam \u0111\u1ed9ng l\u1ef1c cho kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n

V\u00e0 ng\u00e2n h\u00e0ng mong mu\u1ed1n Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u1ea9y nhanh ti\u1ebfn tr\u00ecnh cho ph\u00e9p \u1ee9ng d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 thanh to\u00e1n trong c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng c\u00f4ng c\u1ed9ng, v\u00e0 c\u00e1c l\u0129nh v\u1ef1c c\u00f4ng kh\u00e1c nh\u01b0 b\u1ec7nh vi\u1ec7n\u2026 \u0111\u1ec3 th\u00fac \u0111\u1ea9y nhanh h\u01a1n thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t.<\/p>\n<\/div>\n

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