{"id":2362,"date":"2019-05-31T11:19:59","date_gmt":"2019-05-31T08:19:59","guid":{"rendered":"https:\/\/super-news.info\/vi\/can-pha-bo-rao-can-tam-ly-va-dung-suc-manh-tap-the-de-thuc-day-thanh-toan-khong-tien-mat\/"},"modified":"2019-05-31T11:20:00","modified_gmt":"2019-05-31T08:20:00","slug":"can-pha-bo-rao-can-tam-ly-va-dung-suc-manh-tap-the-de-thuc-day-thanh-toan-khong-tien-mat","status":"publish","type":"post","link":"https:\/\/super-news.info\/vi\/can-pha-bo-rao-can-tam-ly-va-dung-suc-manh-tap-the-de-thuc-day-thanh-toan-khong-tien-mat\/","title":{"rendered":"C\u1ea7n ph\u00e1 b\u1ecf r\u00e0o c\u1ea3n t\u00e2m l\u00fd v\u00e0 d\u00f9ng s\u1ee9c m\u1ea1nh t\u1eadp th\u1ec3 \u0111\u1ec3 th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t"},"content":{"rendered":"

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Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 xu h\u01b0\u1edbng ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ebf gi\u1edbi nh\u01b0ng \u1edf Vi\u1ec7t Nam ti\u1ec1n m\u1eb7t hi\u1ec7n v\u1eabn chi\u1ebfm \u0111a s\u1ed1. C\u00e1ch \u0111\u00e2y v\u00e0i th\u00e1ng, khi nh\u1eafc t\u1edbi m\u1ee5c ti\u00eau c\u1ee7a Ch\u00ednh ph\u1ee7 l\u00e0 \u0111\u1ebfn n\u0103m 2020 \u0111\u01b0a t\u1ef7 tr\u1ecdng ti\u1ec1n m\u1eb7t trong t\u1ed5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n xu\u1ed1ng d\u01b0\u1edbi 10%, nhi\u1ec1u ng\u01b0\u1eddi tin r\u1eb1ng \u0111\u00f3 l\u00e0 \u0111i\u1ec1u “b\u1ea5t kh\u1ea3 thi”. Tuy nhi\u00ean th\u1eddi gian g\u1ea7n \u0111\u00e2y, v\u1edbi s\u1ef1 ch\u1ec9 \u0111\u1ea1o quy\u1ebft li\u1ec7t c\u1ee7a Ch\u00ednh ph\u1ee7, y\u00eau c\u1ea7u vi\u1ec7c x\u00e2y d\u1ef1ng “Chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n qu\u1ed1c gia” l\u00e0 m\u1ed9t trong nh\u1eefng nhi\u1ec7m v\u1ee5 tr\u1ecdng t\u00e2m giao Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ch\u1ee7 tr\u00ec th\u1ef1c hi\u1ec7n th\u00ec thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u00e3 c\u00f3 nh\u1eefng b\u01b0\u1edbc ti\u1ebfn \u0111\u00e1ng k\u1ec3.<\/p>\n

Chia s\u1ebb t\u1ea1i s\u1ef1 ki\u1ec7n Banking Vietnam 2019 v\u1edbi ch\u1ee7 \u0111\u1ec1 T\u00e0i ch\u00ednh to\u00e0n di\u1ec7n trong xu th\u1ebf ph\u00e1t tri\u1ec3n c\u1ee7a n\u1ec1n kinh t\u1ebf kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, Ph\u00f3 th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Kim Anh cho bi\u1ebft, trong s\u1ed1 c\u00e1c tr\u1ee5 c\u1ed9t \u0111\u1ec3 th\u00fac \u0111\u1ea9y chi\u1ebfn l\u01b0\u1ee3c t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n qu\u1ed1c gia th\u00ec thanh to\u00e1n \u0111i\u1ec7n t\u1eed l\u00e0 m\u1ed9t trong nh\u1eefng tr\u1ee5 c\u1ed9t r\u1ea5t quan tr\u1ecdng. N\u0103m 2018 \u0111\u00e3 \u0111\u00e1nh d\u1ea5u m\u1ed9t n\u0103m th\u00e0nh c\u00f4ng v\u01b0\u1ee3t b\u1eadc trong ph\u00e1t tri\u1ec3n thanh to\u00e1n \u0111i\u1ec7n t\u1eed c\u1ee7a Vi\u1ec7t Nam khi thanh to\u00e1n Internet, thanh to\u00e1n di \u0111\u1ed9ng \u0111\u1ea1t t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng \u1ea5n t\u01b0\u1ee3ng, l\u1ea7n l\u01b0\u1ee3t t\u0103ng 19,5% v\u00e0 169,5% v\u1ec1 gi\u00e1 tr\u1ecb giao d\u1ecbch so v\u1edbi n\u0103m 2017. H\u00e3ng ki\u1ec3m to\u00e1n <\/i>PwC c\u00f2n x\u1ebfp Vi\u1ec7t Nam l\u00e0 th\u1ecb tr\u01b0\u1eddng t\u0103ng tr\u01b0\u1edfng nhanh nh\u1ea5t v\u1ec1 thanh to\u00e1n di \u0111\u1ed9ng trong n\u0103m v\u1eeba qua. <\/i><\/p>\n

\u0110\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c k\u1ebft qu\u1ea3 nh\u01b0 tr\u00ean, theo l\u00e3nh \u0111\u1ea1o NHNN, nhi\u1ec1u ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c trung gian thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 \u1ee9ng d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p, c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn nh\u1eb1m gi\u1ea3m chi ph\u00ed, t\u0103ng t\u1ed1c \u0111\u1ed9 thanh to\u00e1n, t\u0103ng c\u01b0\u1eddng an to\u00e0n, b\u1ea3o m\u1eadt cho s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, gia t\u0103ng tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng nh\u01b0 x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc (v\u00e2n tay, khu\u00f4n m\u1eb7t…); thanh to\u00e1n tr\u00ean n\u1ec1n m\u00e3 ph\u1ea3n h\u1ed3i nhanh (QR Code); thanh to\u00e1n an to\u00e0n, thu\u1eadn ti\u1ec7n qua m\u00e3 h\u00f3a th\u00f4ng tin th\u1ebb (Tokenization); thanh to\u00e1n phi ti\u1ebfp x\u00fac (contactless payment) t\u1ed1c \u0111\u1ed9 v\u00e0 ti\u1ec7n l\u1ee3i… <\/p>\n

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B\u00ean l\u1ec1 s\u1ef1 ki\u1ec7n Banking Vietnam 2019, ch\u00fang t\u00f4i \u0111\u00e3 c\u00f3 cu\u1ed9c trao \u0111\u1ed5i v\u1edbi b\u00e0 Tr\u1ea7n Thu H\u01b0\u01a1ng, Gi\u00e1m \u0111\u1ed1c chi\u1ebfn l\u01b0\u1ee3c ki\u00eam Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng B\u00e1n l\u1ebb c\u1ee7a VIB \u2013 m\u1ed9t trong 2 ng\u00e2n h\u00e0ng c\u00f9ng v\u1edbi Vietcombank \u2013 tham gia tham lu\u1eadn v\u1ec1 gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t th\u1eddi gian t\u1edbi.<\/p>\n

PV: B\u00e0 c\u00f3 th\u1ec3 chia s\u1ebb v\u1ec1 th\u1ef1c tr\u1ea1ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u1edf n\u01b0\u1edbc ta hi\u1ec7n nay?<\/b><\/i><\/p>\n

B\u00e0 Tr\u1ea7n Thu H\u01b0\u01a1ng:<\/b> Kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t tr\u00ean th\u1ebf gi\u1edbi \u0111ang t\u0103ng tr\u01b0\u1edfng r\u1ea5t nhanh, kho\u1ea3ng 13%, trong \u0111\u00f3 \u1edf ch\u00e2u \u00c1 t\u0103ng t\u1edbi 30%. Trong kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, k\u00eanh th\u1ebb v\u1eabn chi\u1ebfm t\u1ef7 tr\u1ecdng l\u1edbn nh\u1ea5t v\u1edbi h\u01a1n 67% l\u00e0 d\u00f9ng th\u1ebb, v\u00e0 c\u00e1c k\u00eanh \u0111\u1ec3 thanh to\u00e1n th\u00ec \u0111\u01b0\u1ee3c y\u00eau th\u00edch nh\u1ea5t l\u00e0 mobile, sau \u0111\u00f3 l\u00e0 internet, k\u00eanh network l\u1ea1i x\u1ebfp cu\u1ed1i.<\/p>\n

Nh\u01b0 \u1edf VIB, ch\u00fang t\u00f4i n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c xu h\u01b0\u1edbng th\u1ebf gi\u1edbi n\u00ean t\u1eeb l\u00e2u \u0111\u00e3 t\u1eadp trung v\u00e0o ph\u00e1t tri\u1ec3n thanh to\u00e1n \u0111i\u1ec7n t\u1eed qua ng\u00e2n h\u00e0ng s\u1ed1 \u0111\u00f3 l\u00e0 MyVIB v\u00e0 th\u1ebb. Nhi\u1ec1u c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng c\u00f9ng m\u1ed9t l\u00fac nh\u01b0 QR code, qu\u1ea3n l\u00fd th\u1ebb realtimes, c\u00e1c giao d\u1ecbch t\u1ea1i MyVIB ch\u1ec9 3-5 gi\u00e2y l\u00e0 xong. Ng\u00e2n h\u00e0ng c\u0169ng \u0111ang ph\u00e1t tri\u1ec3n tr\u1ee3 l\u00fd \u1ea3o tr\u00ean ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed – l\u00e0 xu th\u1ebf d\u1eabn \u0111\u1ea7u hi\u1ec7n nay. Th\u00e1ng 5 n\u00e0y, VIB l\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean tr\u00ean th\u1ecb tr\u01b0\u1eddng \u0111\u01b0a v\u1ec1 Vi\u1ec7t Nam c\u00f4ng ngh\u1ec7 th\u1ebb \u1ea3o v\u00e0 Green PIN, t\u1ee9c l\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f4ng c\u1ea7n ch\u1edd v\u00e0i ng\u00e0y \u0111\u1ec3 ph\u00e1t h\u00e0nh th\u1ebb v\u1eadt l\u00fd hay ch\u1edd m\u1ed9t m\u1ed9t th\u1eddi gian \u0111\u1ec3 k\u00edch ho\u1ea1t m\u00e3 PIN, m\u00e0 ch\u1ec9 c\u1ea7n khi ng\u00e2n h\u00e0ng g\u1eedi tin nh\u1eafn t\u1edbi kh\u00e1ch h\u00e0ng th\u00f4ng b\u00e1o ch\u1ea5p thu\u1eadn m\u1edf th\u1ebb th\u00ec ngay l\u1eadp t\u1ee9c ng\u01b0\u1eddi d\u00f9ng s\u1ebd \u0111\u01b0\u1ee3c c\u1ea5p s\u1ed1 th\u1ebb v\u00e0 m\u00e3 pin qua MyVIB ho\u1eb7c ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed \u00a0v\u00e0 c\u00f3 th\u1ec3 giao d\u1ecbch \u0111\u01b0\u1ee3c ngay. B\u1ed9 \u0111\u00f4i c\u00f4ng ngh\u1ec7 m\u1edbi nh\u1ea5t n\u00e0y s\u1ebd gi\u00fap r\u00fat ng\u1eafn th\u1eddi gian giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng, thay v\u00ec ch\u1edd 5 ng\u00e0y \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c th\u1ebb v\u00e0 giao d\u1ecbch, th\u00ec gi\u1edd ch\u1ec9 c\u00f2n 3-5 ph\u00fat.<\/p>\n

\u1ede Vi\u1ec7t Nam, \u0111\u00e3 c\u00f3 r\u1ea5t nhi\u1ec1u y\u1ebfu t\u1ed1 t\u00edch c\u1ef1c l\u00e0m n\u1ec1n t\u1ea3ng cho vi\u1ec7c th\u00fac \u0111\u1ea9y chi ti\u00eau kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. H\u01a1n 44% kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng \u0111ang d\u00f9ng ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed, c\u00f3 tr\u00ean 160 tri\u1ec7u th\u1ebb \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng v\u00e0 h\u01a1n 10 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng v\u00ed \u0111i\u1ec7n t\u1eed. Vi\u1ec7t Nam c\u0169ng c\u00f3 \u0111\u1ebfn h\u01a1n 66% d\u00e2n s\u1ed1 s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i, trong \u0111\u00f3 72% s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh. Ch\u00fang ta c\u0169ng \u0111ang c\u00f3 m\u1ed9t th\u1ebf h\u1ec7 tr\u1ebb chi\u1ebfm t\u1edbi 35% d\u00e2n s\u1ed1 l\u00e0 nh\u1eefng ng\u01b0\u1eddi \u0111am m\u00ea c\u00f4ng ngh\u1ec7 v\u00e0 y\u00eau th\u00edch kh\u00e1m ph\u00e1 c\u00e1c tr\u1ea3i nghi\u1ec7m ti\u00eau d\u00f9ng m\u1edbi.<\/p>\n

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G\u1ea7n \u0111\u00e2y, Ch\u00ednh ph\u1ee7 v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 c\u00f3 \u0111\u1ecbnh h\u01b0\u1edbng r\u00f5 r\u00e0ng trong vi\u1ec7c th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. NHNN c\u0169ng c\u00f3 nh\u1eefng h\u00e0nh \u0111\u1ed9ng quy\u1ebft li\u1ec7t v\u1edbi nhi\u1ec1u t\u1ecda \u0111\u00e0m trao \u0111\u1ed5i, chia s\u1ebb kinh nghi\u1ec7m c\u0169ng nh\u01b0 n\u00e2ng cao \u00fd th\u1ee9c c\u1ee7a ng\u01b0\u1eddi d\u00e2n trong vi\u1ec7c kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 \u0111\u00e3 c\u00f3 nh\u1eefng t\u00e1c \u0111\u1ed9ng r\u00f5 r\u1ec7t. \u0110\u00f3 l\u00e0 \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i \u0111\u1ec3 cho ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang v\u00e0 n\u1ec1n kinh t\u1ebf n\u00f3i chung trong vi\u1ec7c th\u00fac \u0111\u1ea9y chi ti\u00eau kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n

Ng\u01b0\u1eddi d\u00e2n \u0111\u00e3 c\u1edfi m\u1edf h\u01a1n v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n phi ti\u1ec1n m\u1eb7t, nh\u01b0ng ph\u1ea7n l\u1edbn v\u1eabn e ng\u1ea1i v\u1ec1 c\u00e1c lo\u1ea1i ph\u00ed ph\u00e1t sinh, theo b\u00e0 n\u00ean ch\u0103ng c\u00e1c ng\u00e2n h\u00e0ng h\u00e3y \u0111\u01b0a ra c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ec3 gi\u1ea3m ho\u1eb7c mi\u1ec5n ph\u00ed nh\u1eb1m khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00f9ng h\u01a1n n\u1eefa?<\/i><\/b><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng lu\u00f4n mong mu\u1ed1n \u0111\u01b0a ra nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u1ec3 ph\u00e1 b\u1ecf nh\u1eefng r\u00e0o c\u1ea3n ban \u0111\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng khi ti\u1ebfp c\u1eadn c\u00e1c k\u00eanh thanh to\u00e1n m\u1edbi. Do \u0111\u00f3 h\u1ecd c\u0169ng \u0111\u01b0a ra c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh mi\u1ec5n ph\u00ed, gi\u1ea3m ph\u00ed\u2026 \u0111\u1ec3 khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00f9ng ti\u1ebfp c\u1eadn c\u00e1c k\u00eanh thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t n\u00e0y. V\u00ed d\u1ee5 t\u1ea1i VIB, ch\u00fang t\u00f4i d\u00e0nh nhi\u1ec1u \u01b0u \u0111\u00e3i mi\u1ec5n ph\u00ed khi d\u00f9ng \u1ee9ng d\u1ee5ng tr\u00ean \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng, ra \u0111\u1eddi nhi\u1ec1u d\u00f2ng th\u1ebb h\u1ea5p d\u1eabn k\u00edch th\u00edch s\u1ef1 t\u00f2 m\u00f2 v\u00e0 y\u00eau th\u00edch c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u01b0 th\u1ebb mi\u1ec5n l\u00e3i su\u1ea5t tr\u1ecdn \u0111\u1eddi, mi\u1ec5n ph\u00ed th\u01b0\u1eddng ni\u00ean tr\u1ecdn \u0111\u1eddi,\u2026v\u00e0 th\u1ef1c t\u1ebf l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng th\u1ebb v\u00e0 giao d\u1ecbch qua \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng MyVIB \u0111\u00e3 t\u0103ng tr\u01b0\u1edfng r\u1ea5t \u1ea5n t\u01b0\u1ee3ng trong th\u1eddi gian qua.<\/p>\n

M\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng v\u1eabn thu ph\u00ed, th\u1eadm ch\u00ed l\u00e0 t\u0103ng thu v\u00ec mu\u1ed1n l\u00e3i nhi\u1ec1u h\u01a1n t\u1eeb d\u1ecbch v\u1ee5. T\u1ea1i sao l\u1ea1i c\u00f3 s\u1ef1 m\u00e2u thu\u1eabn gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng trong ch\u00ednh s\u00e1ch khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00f9ng nh\u01b0 v\u1eady? <\/p>\n

T\u00f4i kh\u00f4ng ngh\u0129 \u0111\u00f3 l\u00e0 s\u1ef1 m\u00e2u thu\u1eabn. M\u1ed7i ng\u00e2n h\u00e0ng \u0111\u1ec1u c\u00f3 s\u1ef1 l\u1ef1a ch\u1ecdn n\u00ean l\u00e0m c\u00e1i n\u00e0o tr\u01b0\u1edbc, c\u00e1i n\u00e0o sau v\u00e0 k\u1ebft h\u1ee3p sao cho h\u00e0i h\u00f2a tu\u1ef3 thu\u1ed9c chi\u1ebfn l\u01b0\u1ee3c c\u1ee7a m\u00ecnh.<\/p>\n

Nh\u01b0 \u1edf ng\u00e2n h\u00e0ng ch\u00fang t\u00f4i mong mu\u1ed1n gi\u1edbi thi\u1ec7u t\u1edbi kh\u00e1ch h\u00e0ng c\u00e1c k\u00eanh chi ti\u00eau kh\u00f4ng ti\u1ec1n m\u1eb7t m\u1edbi n\u00e0y, qua MyVIB, qua th\u1ebb\u2026 v\u1edbi nh\u1eefng \u01b0u \u0111\u00e3i \u0111\u1eb7c bi\u1ec7t \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u00f3 t\u00e2m l\u00fd h\u00e1o h\u1ee9c v\u00e0 s\u1eb5n s\u00e0ng ti\u1ebfp c\u1eadn. Khi kh\u00e1ch h\u00e0ng \u0111\u00e3 y\u00eau th\u00edch v\u00e0 tin t\u01b0\u1edfng c\u00e1c d\u1ecbch v\u1ee5 m\u1edbi, h\u00e0i l\u00f2ng v\u1edbi c\u00e1c tr\u1ea3i nghi\u1ec7m m\u1edbi, kh\u00e1ch h\u00e0ng lu\u00f4n s\u1eb5n l\u00f2ng chi tr\u1ea3 nh\u1eefng kho\u1ea3n ph\u00ed \u0111\u1ec3 ng\u01b0\u1eddi cung c\u1ea5p d\u1ecbch v\u1ee5 c\u00f3 th\u1ec3 duy tr\u00ec, c\u1ea3i ti\u1ebfn c\u00e1c d\u1ecbch v\u1ee5 \u01b0u vi\u1ec7t h\u01a1n.<\/p>\n

\n
\"C\u1ea7n<\/div>\n<\/div>\n

\u0110\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 r\u1ea5t t\u1ed1n k\u00e9m, ng\u01b0\u1eddi d\u00f9ng l\u1ea1i mu\u1ed1n \u0111\u01b0\u1ee3c tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5 ng\u00e0y c\u00e0ng t\u1ed1t v\u00e0 \u00edt m\u1ea5t ph\u00ed, n\u1ebfu kh\u00f4ng s\u1ebd chuy\u1ec3n sang ng\u00e2n h\u00e0ng kh\u00e1c. C\u00f3 khi n\u00e0o c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd th\u1ea5y m\u1ec7t m\u1ecfi trong ch\u1ea1y \u0111ua c\u00f4ng ngh\u1ec7?<\/i><\/b><\/p>\n

N\u1ebfu ch\u00fang ta coi \u0111\u00f3 l\u00e0 ch\u1ea1y \u0111ua th\u00ec s\u1ebd th\u1ea5y m\u1ec7t m\u1ecfi, c\u00f2n n\u1ebfu coi \u0111\u00f3 l\u00e0 chi\u1ebfn l\u01b0\u1ee3c c\u1ea7n ph\u1ea3i l\u00e0m th\u00ec l\u1ea1i th\u1ea5y r\u1ea5t h\u00e1o h\u1ee9c v\u00e0 th\u00fa v\u1ecb. C\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n ph\u1ea3i \u0111\u1ea7u t\u01b0 \u0111\u1ec3 c\u00f3 c\u00f4ng ngh\u1ec7 t\u1ed1t nh\u1ea5t \u0111\u00f3n \u0111\u1ea7u xu h\u01b0\u1edbng. Kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 l\u00e0 l\u1edbn, nh\u01b0ng \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7, con ng\u01b0\u1eddi, c\u01a1 s\u1edf v\u1eadt ch\u1ea5t th\u00ec kh\u00f4ng bao gi\u1edd l\u1ed7i th\u1eddi m\u00e0 lu\u00f4n mang l\u1ea1i gi\u00e1 tr\u1ecb th\u1eb7ng d\u01b0 l\u1edbn cho kh\u00e1ch h\u00e0ng v\u00e0 cho c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

C\u00e0ng nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c tham gia l\u1ed9 tr\u00ecnh n\u00e0y, ch\u00fang ta c\u00e0ng nhanh ch\u00f3ng ti\u1ebfn t\u1edbi m\u1ed9t x\u00e3 h\u1ed9i kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t nh\u01b0 \u0111\u1ecbnh h\u01b0\u1edbng Ch\u00ednh ph\u1ee7 \u0111\u1ec1 ra, b\u1eaft nh\u1ecbp v\u1edbi khu v\u1ef1c v\u00e0 th\u1ebf gi\u1edbi.<\/p>\n

B\u00e0 \u0111\u1ec1 xu\u1ea5t gi\u1ea3i ph\u00e1p to\u00e0n di\u1ec7n g\u00ec \u0111\u1ec3 th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t th\u1eddi gian t\u1edbi? <\/i><\/b><\/p>\n

C\u00f3 2 y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ec3 th\u00fac \u0111\u1ea9y thanh to\u00e1n ti\u1ec1n m\u1eb7t, theo t\u00f4i, \u0111\u00f3 l\u00e0 cung v\u00e0 c\u1ea7u.<\/p>\n

Cung l\u00e0 t\u1eeb ph\u00eda Ch\u00ednh ph\u1ee7 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n b\u1eb1ng c\u00e1c h\u00e0nh lang ph\u00e1p l\u00fd, c\u00e1c \u0111\u1ecbnh h\u01b0\u1edbng chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty Fintech, Bigtech c\u00f3 th\u1ec3 tham gia v\u00e0 c\u00f9ng \u0111\u01b0a ra gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y chi ti\u00eau kh\u00f4ng ti\u1ec1n m\u1eb7t. Khi c\u00f3 \u0111\u01b0\u1ee3c c\u00e1c h\u00e0nh lang ph\u00e1p l\u00fd v\u00e0 c\u00e1c ch\u1ec9 \u0111\u1ea1o quy\u1ebft li\u1ec7t t\u1eeb c\u01a1 quan qu\u1ea3n l\u00fd th\u00ec c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p s\u1ebd v\u00e0o cu\u1ed9c m\u1ea1nh m\u1ebd h\u01a1n.<\/p>\n

C\u00f2n v\u1ec1 ph\u00eda c\u1ea7u ch\u00ednh l\u00e0 \u00fd th\u1ee9c c\u1ee7a ng\u01b0\u1eddi d\u00e2n. T\u1eeb tr\u01b0\u1edbc t\u1edbi nay c\u00e1c ng\u00e2n h\u00e0ng \u0111ang n\u1ed7 l\u1ef1c \u0111\u01b0a nhi\u1ec1u k\u00eanh thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t t\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u01b0ng ch\u1ee7 y\u1ebfu d\u1ef1a v\u00e0o s\u1ee9c m\u1ea1nh \u0111\u01a1n l\u1ebb c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng m\u00e0 ch\u01b0a d\u1ef1a v\u00e0o s\u1ee9c m\u1ea1nh t\u1eadp th\u1ec3. Tuy nhi\u00ean trong th\u1eddi gian g\u1ea7n \u0111\u00e2y, NHNN \u0111\u00e3 r\u1ea5t t\u00edch c\u1ef1c v\u00e0 s\u00e1t sao tri\u1ec3n khai, k\u00eau g\u1ecdi c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ed3ng lo\u1ea1t v\u00e0o cu\u1ed9c \u0111\u1ec3 t\u1ea1o ra hi\u1ec7u \u1ee9ng c\u1ed9ng h\u01b0\u1edfng m\u1ea1nh m\u1ebd h\u01a1n trong vi\u1ec7c n\u00e2ng cao \u00fd th\u1ee9c ng\u01b0\u1eddi d\u00e2n. Hi\u1ec3u bi\u1ebft c\u1ee7a ng\u01b0\u1eddi d\u00e2n c\u00e0ng cao th\u00ec nh\u1eefng gi\u1ea3i ph\u00e1p ti\u00ean ti\u1ebfn c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 cho c\u00e1c ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t s\u1ebd \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00e2n \u0111\u00f3n nh\u1eadn d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n

T\u00f4i cho r\u1eb1ng cung v\u00e0 c\u1ea7u c\u1ea7n di\u1ec5n ra c\u00f9ng m\u1ed9t l\u00fac. Trong m\u1ed9t th\u1eddi gian ng\u1eafn, c\u00e1c ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7 v\u00e0 Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 th\u1ef1c s\u1ef1 c\u00f3 t\u00e1c \u0111\u1ed9ng r\u1ed9ng l\u1edbn \u0111\u1ebfn x\u00e3 h\u1ed9i, th\u00fac \u0111\u1ea9y c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 ph\u1ea3n \u1ee9ng, c\u00f3 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 v\u00e0o cu\u1ed9c b\u00e0i b\u1ea3n h\u01a1n, c\u00f9ng Ch\u00ednh ph\u1ee7 th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t nhanh h\u01a1n t\u1ea1i Vi\u1ec7t Nam.<\/p>\n

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\"C\u1ea7n<\/div>\n<\/div>\n

B\u00ean c\u1ea1nh c\u00e1c ng\u00e2n h\u00e0ng th\u00ec c\u00e1c t\u1ed5 ch\u1ee9c trung gian thanh to\u00e1n c\u0169ng tham gia th\u1ecb tr\u01b0\u1eddng thanh to\u00e1n \u0111i\u1ec7n t\u1eed m\u1ed9t c\u00e1ch m\u1ea1nh m\u1ebd, v\u00e0 kh\u00f4ng ch\u1ec9 c\u00f3 c\u00e1c t\u1ed5 ch\u1ee9c trong n\u01b0\u1edbc m\u00e0 c\u00f2n c\u1ea3 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh kh\u1ed5ng l\u1ed3 n\u01b0\u1edbc ngo\u00e0i. Theo b\u00e0, t\u01b0\u01a1ng lai c\u1ee7a thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t s\u1ebd th\u1ebf n\u00e0o v\u00e0 n\u1eb1m trong tay ai?<\/b><\/i><\/p>\n

C\u00e0ng nhi\u1ec1u \u0111\u1ed1i t\u00e1c tham gia trong qu\u00e1 tr\u00ecnh phi ti\u1ec1n m\u1eb7t ho\u00e1, x\u00e3 h\u1ed9i c\u00e0ng c\u00f3 l\u1ee3i. T\u01b0\u01a1ng lai c\u1ee7a thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t s\u1ebd n\u1eb1m \u1edf s\u1ef1 l\u1ef1a ch\u1ecdn c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng cho nh\u1eefng gi\u1ea3i ph\u00e1p \u0111\u01a1n gi\u1ea3n, ti\u1ec7n \u00edch nh\u1ea5t v\u00e0 mang l\u1ea1i gi\u00e1 tr\u1ecb s\u1eed d\u1ee5ng t\u1ed1t nh\u1ea5t.<\/p>\n

Xin c\u1ea3m \u01a1n nh\u1eefng chia s\u1ebb c\u1ee7a b\u00e0! <\/b><\/i><\/p>\n<\/div>\n

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