{"id":14347210,"date":"2026-05-14T13:45:04","date_gmt":"2026-05-14T06:45:04","guid":{"rendered":"https:\/\/yp.vn\/?p=14347210"},"modified":"2026-05-14T13:45:04","modified_gmt":"2026-05-14T06:45:04","slug":"tai-chinh-ngan-hang-so-khi-truyen-thong-nhuong-cho-ma-code-1","status":"publish","type":"post","link":"https:\/\/yp.com.vn\/tai-chinh-ngan-hang-so-khi-truyen-thong-nhuong-cho-ma-code-1\/","title":{"rendered":"T\u00e0i ch\u00ednh Ng\u00e2n h\u00e0ng s\u1ed1: Khi truy\u1ec1n th\u1ed1ng nh\u01b0\u1eddng ch\u1ed7 cho c\u00e1c d\u00f2ng m\u00e3 Code"},"content":{"rendered":"

Trong k\u1ef7 nguy\u00ean v\u1ea1n v\u1eadt k\u1ebft n\u1ed1i, ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b><\/a> \u0111ang tr\u1ea3i qua m\u1ed9t cu\u1ed9c \u0111\u1ea1i tu l\u1edbn nh\u1ea5t trong l\u1ecbch s\u1eed. H\u00ecnh \u1ea3nh nh\u1eefng h\u00e0ng d\u00e0i ng\u01b0\u1eddi ch\u1edd \u0111\u1ee3i t\u1ea1i qu\u1ea7y giao d\u1ecbch hay nh\u1eefng t\u1eadp h\u1ed3 s\u01a1 gi\u1ea5y d\u00e0y c\u1ed9m \u0111ang d\u1ea7n \u0111\u01b0\u1ee3c thay th\u1ebf b\u1eb1ng nh\u1eefng c\u00fa ch\u1ea1m tr\u00ean m\u00e0n h\u00ecnh smartphone. S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a ng\u00e2n h\u00e0ng s\u1ed1 kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t xu h\u01b0\u1edbng nh\u1ea5t th\u1eddi, m\u00e0 l\u00e0 m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng \u0111\u1ecbnh ngh\u0129a l\u1ea1i to\u00e0n b\u1ed9 h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b> tr\u00ean to\u00e0n c\u1ea7u.<\/p>\n

S\u1ef1 chuy\u1ec3n d\u1ecbch t\u1eeb “V\u1eadt l\u00fd” sang “S\u1ed1 h\u00f3a”<\/h3>\n

C\u00e1ch \u0111\u00e2y m\u1ed9t th\u1eadp k\u1ef7, vi\u1ec7c m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n thanh to\u00e1n \u0111\u00f2i h\u1ecfi kh\u00e1ch h\u00e0ng ph\u1ea3i di chuy\u1ec3n \u0111\u1ebfn chi nh\u00e1nh trong gi\u1edd h\u00e0nh ch\u00ednh. Gi\u1edd \u0111\u00e2y, c\u00f4ng ngh\u1ec7 \u0111\u1ecbnh danh \u0111i\u1ec7n t\u1eed (eKYC) \u0111\u00e3 cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n quy tr\u00ecnh n\u00e0y ch\u1ec9 trong v\u00e0i ph\u00fat t\u1ea1i b\u1ea5t k\u1ef3 \u0111\u00e2u. \u0110\u00e2y l\u00e0 minh ch\u1ee9ng r\u00f5 n\u00e9t cho th\u1ea5y s\u1ef1 linh ho\u1ea1t c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b><\/a> hi\u1ec7n \u0111\u1ea1i. C\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc m\u1ed9t \u00e1p l\u1ef1c bu\u1ed9c ph\u1ea3i thay \u0111\u1ed5i: ho\u1eb7c l\u00e0 s\u1ed1 h\u00f3a to\u00e0n di\u1ec7n, ho\u1eb7c l\u00e0 tr\u1edf n\u00ean l\u1ea1c h\u1eadu trong m\u1eaft th\u1ebf h\u1ec7 kh\u00e1ch h\u00e0ng m\u1edbi.<\/p>\n

Th\u1ef1c t\u1ebf, c\u00e1c “Neo-bank” \u2013 nh\u1eefng ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n kh\u00f4ng c\u00f3 chi nh\u00e1nh v\u1eadt l\u00fd \u2013 \u0111ang m\u1ecdc l\u00ean nh\u01b0 n\u1ea5m. H\u1ecd kh\u00f4ng t\u1ed1n chi ph\u00ed cho m\u1eb7t b\u1eb1ng hay nh\u00e2n s\u1ef1 tr\u1ef1c ti\u1ebfp, t\u1eeb \u0111\u00f3 t\u1eadp trung ngu\u1ed3n l\u1ef1c v\u00e0o vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 t\u1ea1o ra m\u1ed9t ti\u00eau chu\u1ea9n m\u1edbi trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b>, n\u01a1i s\u1ef1 ti\u1ec7n l\u1ee3i v\u00e0 t\u1ed1c \u0111\u1ed9 \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean h\u00e0ng \u0111\u1ea7u.<\/p>\n

\"t\u00e0i

ti\u00eau chu\u1ea9n m\u1edbi trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, n\u01a1i s\u1ef1 ti\u1ec7n l\u1ee3i v\u00e0 t\u1ed1c \u0111\u1ed9 \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean h\u00e0ng \u0111\u1ea7u<\/p><\/div>\n

Gen Z v\u00e0 \u0111\u1ecbnh ngh\u0129a m\u1edbi v\u1ec1 giao d\u1ecbch t\u00e0i ch\u00ednh<\/h3>\n

\u0110\u1ed1i v\u1edbi Gen Z v\u00e0 Gen Alpha, nh\u1eefng ng\u01b0\u1eddi sinh ra trong th\u1eddi \u0111\u1ea1i Internet, ng\u00e2n h\u00e0ng kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m \u0111\u1ec3 \u0111\u1ebfn, m\u00e0 l\u00e0 m\u1ed9t d\u1ecbch v\u1ee5 \u0111\u1ec3 s\u1eed d\u1ee5ng. S\u1ef1 k\u1ef3 v\u1ecdng c\u1ee7a h\u1ecd \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b><\/a> r\u1ea5t kh\u00e1c bi\u1ec7t: m\u1ecdi th\u1ee9 ph\u1ea3i t\u1ee9c th\u1eddi, c\u00e1 nh\u00e2n h\u00f3a v\u00e0 t\u00edch h\u1ee3p s\u00e2u v\u00e0o \u0111\u1eddi s\u1ed1ng s\u1ed1.<\/p>\n

C\u00e1c \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng hi\u1ec7n nay kh\u00f4ng c\u00f2n \u0111\u01a1n thu\u1ea7n l\u00e0 n\u01a1i chuy\u1ec3n ti\u1ec1n hay ki\u1ec3m tra s\u1ed1 d\u01b0. Ch\u00fang \u0111\u00e3 tr\u1edf th\u00e0nh nh\u1eefng “si\u00eau \u1ee9ng d\u1ee5ng”, n\u01a1i ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 \u0111\u1eb7t v\u00e9 m\u00e1y bay, mua s\u1eafm tr\u1ef1c tuy\u1ebfn, th\u1eadm ch\u00ed l\u00e0 \u0111\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n hay mua b\u1ea3o hi\u1ec3m. S\u1ef1 t\u00edch h\u1ee3p \u0111a d\u1ecbch v\u1ee5 n\u00e0y ch\u00ednh l\u00e0 chi\u1ebfn l\u01b0\u1ee3c then ch\u1ed1t \u0111\u1ec3 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b> gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng trong m\u1ed9t th\u1ecb tr\u01b0\u1eddng \u0111\u1ea7y t\u00ednh c\u1ea1nh tranh.<\/p>\n

Vai tr\u00f2 c\u1ee7a Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) v\u00e0 Cloud-native<\/h3>\n

\u0110\u1ee9ng sau s\u1ef1 v\u1eadn h\u00e0nh tr\u01a1n tru c\u1ee7a ng\u00e2n h\u00e0ng s\u1ed1 l\u00e0 nh\u1eefng c\u00f4ng ngh\u1ec7 \u0111\u1ed9t ph\u00e1 nh\u01b0 AI v\u00e0 \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y. AI kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf c\u00e1c Chatbot h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng 24\/7, m\u00e0 c\u00f2n \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c ph\u00e2n t\u00edch h\u00e0nh vi \u0111\u1ec3 \u0111\u01b0a ra c\u00e1c l\u1eddi khuy\u00ean t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n h\u00f3a. Trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b>, vi\u1ec7c qu\u1ea3n tr\u1ecb r\u1ee7i ro v\u00e0 ph\u00e1t hi\u1ec7n gian l\u1eadn c\u0169ng tr\u1edf n\u00ean ch\u00ednh x\u00e1c h\u01a1n nh\u1edd v\u00e0o c\u00e1c thu\u1eadt to\u00e1n h\u1ecdc m\u00e1y (Machine Learning).<\/p>\n

H\u1ec7 th\u1ed1ng Core Banking d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng \u0111\u00e1m m\u00e2y (Cloud-native) gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng x\u1eed l\u00fd h\u00e0ng tri\u1ec7u giao d\u1ecbch m\u1ed7i gi\u00e2y v\u1edbi chi ph\u00ed v\u1eadn h\u00e0nh th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3. \u0110\u00e2y l\u00e0 n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc \u0111\u1ec3 ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b> c\u00f3 th\u1ec3 ch\u1ecbu t\u1ea3i \u0111\u01b0\u1ee3c l\u01b0\u1ee3ng giao d\u1ecbch kh\u1ed5ng l\u1ed3 trong c\u00e1c d\u1ecbp cao \u0111i\u1ec3m mua s\u1eafm hay l\u1ec5 T\u1ebft m\u00e0 kh\u00f4ng g\u1eb7p s\u1ef1 c\u1ed1 h\u1ec7 th\u1ed1ng.<\/p>\n

“C\u00e1i ch\u1ebft” c\u1ee7a chi nh\u00e1nh truy\u1ec1n th\u1ed1ng hay s\u1ef1 chuy\u1ec3n m\u00ecnh?<\/h3>\n

C\u00e2u h\u1ecfi \u0111\u1eb7t ra l\u00e0: Li\u1ec7u c\u00e1c chi nh\u00e1nh ng\u00e2n h\u00e0ng v\u1eadt l\u00fd c\u00f3 bi\u1ebfn m\u1ea5t ho\u00e0n to\u00e0n? C\u00e2u tr\u1ea3 l\u1eddi c\u00f3 l\u1ebd l\u00e0 kh\u00f4ng, nh\u01b0ng vai tr\u00f2 c\u1ee7a ch\u00fang s\u1ebd thay \u0111\u1ed5i. C\u00e1c \u0111i\u1ec3m giao d\u1ecbch truy\u1ec1n th\u1ed1ng s\u1ebd chuy\u1ec3n t\u1eeb n\u01a1i th\u1ef1c hi\u1ec7n c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh sang c\u00e1c trung t\u00e2m t\u01b0 v\u1ea5n gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b> ph\u1ee9c t\u1ea1p nh\u01b0 vay mua nh\u00e0, l\u1eadp k\u1ebf ho\u1ea1ch th\u1eeba k\u1ebf hay qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n cho kh\u00e1ch h\u00e0ng \u01b0u ti\u00ean.<\/p>\n

M\u00f4 h\u00ecnh “Phygital” \u2013 k\u1ebft h\u1ee3p gi\u1eefa v\u1eadt l\u00fd (Physical) v\u00e0 k\u1ef9 thu\u1eadt s\u1ed1 (Digital) \u2013 \u0111ang \u0111\u01b0\u1ee3c nhi\u1ec1u \u00f4ng l\u1edbn trong ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b> \u00e1p d\u1ee5ng. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u quy tr\u00ecnh tr\u00ean app v\u00e0 ho\u00e0n t\u1ea5t c\u00e1c th\u1ee7 t\u1ee5c c\u1ea7n t\u00ednh ph\u00e1p l\u00fd cao t\u1ea1i qu\u1ea7y m\u1ed9t c\u00e1ch nhanh ch\u00f3ng. S\u1ef1 k\u1ebft h\u1ee3p n\u00e0y gi\u00fap duy tr\u00ec ni\u1ec1m tin v\u00e0 s\u1ef1 k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp gi\u1eefa con ng\u01b0\u1eddi v\u1edbi con ng\u01b0\u1eddi, m\u1ed9t y\u1ebfu t\u1ed1 v\u1eabn r\u1ea5t quan tr\u1ecdng trong th\u1ebf gi\u1edbi t\u00e0i ch\u00ednh \u0111\u1ea7y r\u1eaby r\u1ee7i ro.<\/p>\n

\"t\u00e0i

Cu\u1ed9c c\u00e1ch m\u1ea1ng ng\u00e2n h\u00e0ng s\u1ed1 \u0111ang v\u1ebd l\u1ea1i b\u1ea3n \u0111\u1ed3 c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/p><\/div>\n

Th\u00e1ch th\u1ee9c v\u1ec1 an ninh m\u1ea1ng<\/h3>\n

\u0110i \u0111\u00f4i v\u1edbi s\u1ef1 ti\u1ec7n l\u1ee3i l\u00e0 nh\u1eefng th\u00e1ch th\u1ee9c v\u1ec1 b\u1ea3o m\u1eadt. Khi m\u1ecdi ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b><\/a> \u0111\u1ec1u di\u1ec5n ra tr\u00ean kh\u00f4ng gian m\u1ea1ng, c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng l\u1eeba \u0111\u1ea3o (phishing) v\u00e0 \u0111\u00e1nh c\u1eafp d\u1eef li\u1ec7u ng\u00e0y c\u00e0ng tr\u1edf n\u00ean tinh vi. Vi\u1ec7c \u0111\u1ea7u t\u01b0 v\u00e0o an ninh m\u1ea1ng kh\u00f4ng c\u00f2n l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn, m\u00e0 l\u00e0 s\u1ef1 s\u1ed1ng c\u00f2n c\u1ee7a b\u1ea5t k\u1ef3 t\u1ed5 ch\u1ee9c n\u00e0o ho\u1ea1t \u0111\u1ed9ng trong ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b>. B\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n v\u00e0 th\u00f4ng tin c\u1ee7a kh\u00e1ch h\u00e0ng ch\u00ednh l\u00e0 b\u1ea3o v\u1ec7 uy t\u00edn v\u00e0 th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a ng\u00e2n h\u00e0ng trong k\u1ef7 nguy\u00ean s\u1ed1.<\/p>\n

L\u1eddi k\u1ebft<\/h3>\n

Cu\u1ed9c c\u00e1ch m\u1ea1ng ng\u00e2n h\u00e0ng s\u1ed1 \u0111ang v\u1ebd l\u1ea1i b\u1ea3n \u0111\u1ed3 c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b><\/a>. N\u00f3 ph\u00e1 v\u1ee1 nh\u1eefng r\u00e0o c\u1ea3n v\u1ec1 \u0111\u1ecba l\u00fd, th\u1eddi gian v\u00e0 chi ph\u00ed, mang d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ebfn g\u1ea7n h\u01a1n v\u1edbi m\u1ecdi t\u1ea7ng l\u1edbp trong x\u00e3 h\u1ed9i. D\u00f9 b\u1ea1n l\u00e0 m\u1ed9t doanh nghi\u1ec7p l\u1edbn hay m\u1ed9t c\u00e1 nh\u00e2n nh\u1ecf l\u1ebb, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b> s\u1ed1 \u0111\u1ec1u mang l\u1ea1i nh\u1eefng c\u01a1 h\u1ed9i ch\u01b0a t\u1eebng c\u00f3 \u0111\u1ec3 qu\u1ea3n l\u00fd v\u00e0 gia t\u0103ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh m\u1ed9t c\u00e1ch th\u00f4ng minh v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n. T\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng kh\u00f4ng n\u1eb1m \u1edf nh\u1eefng t\u00f2a nh\u00e0 cao t\u1ea7ng, m\u00e0 n\u1eb1m ngay trong l\u00f2ng b\u00e0n tay c\u1ee7a ch\u00fang ta.<\/p>\n","protected":false},"excerpt":{"rendered":"

Trong k\u1ef7 nguy\u00ean v\u1ea1n v\u1eadt k\u1ebft n\u1ed1i, ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111ang tr\u1ea3i qua m\u1ed9t cu\u1ed9c \u0111\u1ea1i tu l\u1edbn nh\u1ea5t trong l\u1ecbch s\u1eed. H\u00ecnh \u1ea3nh nh\u1eefng h\u00e0ng d\u00e0i ng\u01b0\u1eddi ch\u1edd \u0111\u1ee3i t\u1ea1i qu\u1ea7y giao d\u1ecbch hay nh\u1eefng t\u1eadp h\u1ed3 s\u01a1 gi\u1ea5y d\u00e0y c\u1ed9m \u0111ang d\u1ea7n \u0111\u01b0\u1ee3c thay th\u1ebf b\u1eb1ng nh\u1eefng c\u00fa ch\u1ea1m tr\u00ean m\u00e0n… Xem b\u00e0i vi\u1ebft<\/a><\/p>\n","protected":false},"author":3,"featured_media":14347213,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ep_exclude_from_search":false,"footnotes":""},"categories":[2499],"tags":[],"class_list":["post-14347210","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tai-chinh-ngan-hang"],"acf":[],"_links":{"self":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/posts\/14347210","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/comments?post=14347210"}],"version-history":[{"count":1,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/posts\/14347210\/revisions"}],"predecessor-version":[{"id":14347214,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/posts\/14347210\/revisions\/14347214"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/media\/14347213"}],"wp:attachment":[{"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/media?parent=14347210"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/categories?post=14347210"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yp.com.vn\/KmOMlj66m\/wp\/v2\/tags?post=14347210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}