{"id":2404,"date":"2018-08-30T02:52:03","date_gmt":"2018-08-30T02:52:03","guid":{"rendered":"https:\/\/miraway-cetm.com\/?p=2404"},"modified":"2018-08-30T02:52:03","modified_gmt":"2018-08-30T02:52:03","slug":"khach-hang-duoc-loi-gi-tu-cuoc-dua-cong-nghe-giua-cac-ngan-hang","status":"publish","type":"post","link":"https:\/\/miraway.vn\/blog\/khach-hang-duoc-loi-gi-tu-cuoc-dua-cong-nghe-giua-cac-ngan-hang\/","title":{"rendered":"Kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c l\u1ee3i g\u00ec t\u1eeb “cu\u1ed9c \u0111ua c\u00f4ng ngh\u1ec7” gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng?"},"content":{"rendered":"

Ngay c\u1ea3 nh\u1eefng chi\u1ebfc th\u1ebb t\u00edn d\u1ee5ng c\u0169ng tr\u1edf n\u00ean l\u1ed7i th\u1eddi tr\u01b0\u1edbc nh\u1eefng c\u00f4ng ngh\u1ec7 thanh to\u00e1n m\u1edbi \u0111ang \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n v\u00e0 ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn.\u00a0L\u00e0n s\u00f3ng c\u00f4ng ngh\u1ec7 \u0111ang t\u1ea1o ra nh\u1eefng thay \u0111\u1ed5i m\u1ea1nh m\u1ebd trong ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng. T\u1eeb ti\u1ec1n gi\u1ea5y, ti\u1ec1n xu, mua h\u00e0ng tr\u1ea3 ti\u1ec1n t\u1ea1i qu\u1ea7y, qu\u1eb9t th\u1ebb m\u1ed9t c\u00e1ch th\u1ee7 c\u00f4ng, ng\u01b0\u1eddi Vi\u1ec7t \u0111\u00e3 ti\u1ebfn \u0111\u1ebfn giai \u0111o\u1ea1n thanh to\u00e1n online v\u00e0 thanh to\u00e1n qua thi\u1ebft b\u1ecb di \u0111\u1ed9ng.<\/span><\/p>\n

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Ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed ph\u00e1t tri\u1ec3n<\/strong><\/h2>\n

Thu\u1eadt ng\u1eef \u201ceBanking\u201d hay \u201cNg\u00e2n h\u00e0ng \u0110i\u1ec7n t\u1eed\u201d kh\u00f4ng c\u00f2n qu\u00e1 xa l\u1ea1. Tr\u00ean th\u1ef1c t\u1ebf, lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 n\u00e0y \u0111\u00e3 c\u00f3 m\u1eb7t t\u1ea1i Vi\u1ec7t Nam t\u1eeb kh\u00e1 l\u00e2u. Tuy nhi\u00ean, ng\u01b0\u1eddi d\u00f9ng ch\u1ec9 th\u1ef1c s\u1ef1 ti\u1ebfp c\u1eadn v\u1edbi h\u00ecnh th\u1ee9c giao d\u1ecbch n\u00e0y trong v\u00e0i n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y. M\u1ed9t ph\u1ea7n nguy\u00ean nh\u00e2n \u0111\u1ebfn t\u1eeb th\u00f3i quen s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t trong giao d\u1ecbch c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t Nam c\u0169ng nh\u01b0 t\u00e2m l\u00fd e ng\u1ea1i c\u00f4ng ngh\u1ec7 v\u00e0 s\u1ee3 m\u1ea5t ti\u1ec1n khi giao d\u1ecbch onine n\u00ean kh\u00e1ch h\u00e0ng ch\u1ea5p nh\u1eadn t\u1ed1n th\u1eddi gian ra ng\u00e2n h\u00e0ng \u0111\u1ec3 an t\u00e2m h\u01a1n l\u00e0 giao d\u1ecbch tr\u00ean eBanking.<\/p>\n

Tuy nhi\u00ean, v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00e0 xu h\u01b0\u1edbng kh\u00f4ng s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t d\u1ea7n t\u0103ng l\u00ean t\u1ea1i Vi\u1ec7t Nam, ph\u1ea7n l\u1edbn ng\u01b0\u1eddi d\u00f9ng \u0111\u00e3 thay \u0111\u1ed5i suy ngh\u0129 v\u00e0 \u0111ang h\u01b0\u1edbng m\u00ecnh theo xu th\u1ebf \u0111\u00f3. Hi\u1ec3u \u0111\u01b0\u1ee3c t\u00e2m l\u00fd n\u00e0y, c\u00e1c ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 nh\u1eb1m mang t\u1edbi d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed th\u00e2n thi\u1ec7n h\u01a1n. Nhi\u1ec1u ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c n\u00e2ng c\u1ea5p d\u1ecbch v\u1ee5 eBanking, trong \u0111\u00f3 ch\u00fa tr\u1ecdng \u0111\u1ebfn 3 y\u1ebfu t\u1ed1: th\u1eddi gian giao d\u1ecbch, s\u1ef1 ti\u1ec7n l\u1ee3i v\u00e0 m\u1ee9c \u0111\u1ed9 an to\u00e0n, b\u1ea3o m\u1eadt. C\u00e1c ng\u00e2n h\u00e0ng, t\u1eeb c\u00e1c \u00f4ng l\u1edbn nh\u01b0 BIDV, Vietcombank cho \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng c\u1ed5 ph\u1ea7n nh\u01b0 TPbank, VPbank \u0111\u1ec1u ch\u1ea1y \u0111ua tr\u00ean “s\u00e2n ch\u01a1i” c\u00f4ng ngh\u1ec7, \u0111\u1eb7c bi\u1ec7t tr\u00ean n\u1ec1n t\u1ea3ng di \u0111\u1ed9ng. \u0110\u00e2y c\u0169ng l\u00e0 y\u1ebfu t\u1ed1 ti\u00ean quy\u1ebft m\u1edf ra \u201cth\u1eddi \u0111\u1ea1i c\u1ee7a mobile banking\u201d. Nhi\u1ec1u ng\u00e2n h\u00e0ng nhanh nh\u1ea1y v\u00e0 ra s\u1ee9c chi\u1ec1u l\u00f2ng c\u00e1c th\u01b0\u1ee3ng \u0111\u1ebf “high-tech” khi li\u00ean ti\u1ebfp n\u00e2ng c\u1ea5p k\u00eanh giao d\u1ecbch qua \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng v\u1edbi nhi\u1ec1u ti\u1ec7n \u00edch, gi\u00fap kh\u00e1ch h\u00e0ng ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 t\u1ed1i gi\u1ea3n chi ph\u00ed giao d\u1ecbch.<\/p>\n

Ng\u01b0\u1eddi d\u00f9ng h\u01b0\u1edfng l\u1ee3i<\/strong><\/h2>\n

\u0110i\u1ec1u \u0111\u00e1ng m\u1eebng l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 v\u00e0 \u0111ang nh\u1eadn th\u1ee9c r\u00f5 h\u01a1n \u201c\u0111i\u1ec3m y\u1ebfu\u201d c\u1ee7a m\u00ecnh v\u00e0 \u1edf m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng l\u1edbn \u0111\u00e3 c\u00f3 s\u1ef1 chuy\u1ec3n \u0111\u1ed9ng t\u1eeb s\u1edbm nh\u1eb1m t\u1ea1o s\u1ef1 kh\u00e1c bi\u1ec7t, \u0111\u1ebfn g\u1ea7n h\u01a1n nhu c\u1ea7u kh\u00e1ch h\u00e0ng. \u0110\u01a1n c\u1eed nh\u01b0 tr\u01b0\u1eddng h\u1ee3p c\u1ee7a BIDV, sau m\u1ed9t th\u1eddi gian nghi\u00ean c\u1ee9u nhu c\u1ea7u kh\u00e1ch h\u00e0ng, h\u1ecd \u0111\u00e3 t\u00edch h\u1ee3p v\u00e0o \u1ee9ng d\u1ee5ng SmartBanking c\u1ee7a m\u00ecnh nh\u1eefng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn nh\u1ea5t nh\u1eb1m n\u00e2ng cao ti\u1ec7n \u00edch cho ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn c\u00e1c c\u1ea3i ti\u1ebfn nh\u01b0 sau:<\/p>\n

Th\u1ee9 nh\u1ea5t l\u00e0 c\u00f4ng ngh\u1ec7 x\u00e1c th\u1ef1c giao d\u1ecbch b\u1eb1ng v\u00e2n tay (T\u00ednh n\u0103ng cho ph\u00e9p kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u0103ng nh\u1eadp\/x\u00e1c th\u1ef1c giao d\u1ecbch b\u1eb1ng v\u00e2n tay thay cho vi\u1ec7c ph\u1ea3i nh\u1eadp m\u1eadt kh\u1ea9u \/ m\u00e3 x\u00e1c th\u1ef1c). Ch\u1ec9 c\u1ea7n kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i c\u00f3 h\u1ed7 tr\u1ee3 b\u1ea3o m\u1eadt v\u00e2n tay c\u1ee7a h\u1ec7 \u0111i\u1ec1u h\u00e0nh IOS, Android l\u00e0 c\u00f3 th\u1ec3 thao t\u00e1c m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n m\u00e0 v\u1eabn gi\u1eef \u0111\u01b0\u1ee3c t\u00ednh b\u1ea3o m\u1eadt.<\/p>\n<\/div>\n

\"\"<\/p>\n

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T\u00ednh n\u0103ng th\u1ee9 hai c\u1ea7n k\u1ec3 \u0111\u1ebfn l\u00e0 Kh\u00f3a\/ M\u1edf kh\u00f3a t\u00ednh n\u0103ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn v\u00e0 giao d\u1ecbch kh\u00f4ng xu\u1ea5t tr\u00ecnh th\u1ebb (\u00e1p d\u1ee5ng cho th\u1ebb t\u00edn d\u1ee5ng v\u00e0 th\u1ebb ghi n\u1ee3 qu\u1ed1c t\u1ebf). T\u00ednh n\u0103ng n\u00e0y cho ph\u00e9p kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n Kh\u00f3a\/ M\u1edf kh\u00f3a t\u00ednh n\u0103ng Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn v\u00e0 c\u00e1c giao d\u1ecbch kh\u00f4ng xu\u1ea5t tr\u00ecnh th\u1ebb theo y\u00eau c\u1ea7u v\u00e0 quy \u0111\u1ecbnh c\u1ee7a Ng\u00e2n h\u00e0ng m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 d\u1ec5 d\u00e0ng.<\/p>\n

Chuy\u1ec3n kho\u1ea3n b\u1eb1ng vi\u1ec7c qu\u00e9t QR code c\u0169ng l\u00e0 m\u1ed9t c\u1ea3i ti\u1ebfn s\u00e1ng t\u1ea1o. \u0110\u00e2y l\u00e0 m\u1ed9t t\u00ednh n\u0103ng m\u1edbi tuy\u1ec7t v\u1eddi d\u00e0nh cho c\u00e1c b\u1ea1n tr\u1ebb n\u0103ng \u0111\u1ed9ng, cho ph\u00e9p kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng BIDV Smart Banking upload t\u1eeb th\u01b0 vi\u1ec7n \u1ea3nh c\u1ee7a thi\u1ebft b\u1ecb ho\u1eb7c ch\u1ee5p tr\u1ef1c ti\u1ebfp \u1ea3nh QR code<\/a> chuy\u1ec3n kho\u1ea3n \u0111\u1ec3 \u1ee9ng d\u1ee5ng qu\u00e9t, \u0111\u1ecdc v\u00e0 t\u1ef1 \u0111\u1ed9ng l\u1ea5y th\u00f4ng tin ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a trong QR code chuy\u1ec3n kho\u1ea3n.<\/p>\n

Ngo\u00e0i ra, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng k\u1ebft h\u1ee3p c\u00e1c ch\u1ee9c n\u0103ng \u0111\u0103ng k\u00fd tr\u1ef1c tuy\u1ebfn; thanh to\u00e1n h\u00f3a \u0111\u01a1n cho FE Credit; K\u00edch ho\u1ea1t\/Kho\u00e1 th\u1ebb\/ K\u00edch ho\u1ea1t l\u1ea1i PIN; Thay \u0111\u1ed5i t\u00e0i kho\u1ea3n li\u00ean k\u1ebft t\u1edbi th\u1ebb n\u1ed9i \u0111\u1ecba\u2026 T\u1ea5t c\u1ea3 c\u00e1c thao t\u00e1c \u0111\u1ec1u th\u1ef1c hi\u1ec7n tr\u1ef1c tuy\u1ebfn m\u00e0 kh\u00f4ng c\u1ea7n ra qu\u1ea7y, gi\u00fap kh\u00e1ch h\u00e0ng ti\u1ebft ki\u1ec7m t\u1ed1i \u0111a chi ph\u00ed, th\u1eddi gian.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n \u0111ang \u1ee9ng d\u1ee5ng nh\u1eefng c\u00f4ng ngh\u1ec7 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng nh\u01b0 Booking Online, H\u1ec7 th\u1ed1ng x\u1ebfp h\u00e0ng t\u1ef1 \u0111\u1ed9ng<\/a>, H\u1ec7 th\u1ed1ng nh\u1eadn di\u1ec7n v\u00e0 ph\u00e2n lu\u1ed3ng, H\u1ec7 th\u1ed1ng qu\u1ea3ng c\u00e1o th\u00f4ng minh, H\u1ec7 th\u1ed1ng \u0111\u00e1nh gi\u00e1 v\u00e0 ph\u1ea3n h\u1ed3i…. nh\u1eb1m “chu\u1ea9n h\u00f3a” quy tr\u00ecnh ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng, mang \u0111\u1ebfn cho h\u1ecd nh\u1eefng tr\u1ea3i nghi\u1ec7m th\u00fa v\u1ecb v\u1ec1 d\u1ecbch v\u1ee5, s\u1ea3n ph\u1ea9m.<\/p>\n

\u0110i\u1ec1u n\u00e0y cho th\u1ea5y t\u1ea5t c\u1ea3 nh\u1eefng c\u1ea3i ti\u1ebfn c\u00f4ng ngh\u1ec7 t\u1ea1i ng\u00e2n h\u00e0ng l\u00e0 xu th\u1ebf t\u1ea5t y\u1ebfu c\u1ee7a x\u00e3 h\u1ed9i nh\u1eb1m h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau cu\u1ed1i c\u00f9ng l\u00e0 l\u00e0m h\u00e0i l\u00f2ng kh\u00e1ch h\u00e0ng b\u1eb1ng nh\u1eefng tr\u1ea3i nghi\u1ec7m th\u00fa v\u1ecb.\u00a0<\/span><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Ngay c\u1ea3 nh\u1eefng chi\u1ebfc th\u1ebb t\u00edn d\u1ee5ng c\u0169ng tr\u1edf n\u00ean l\u1ed7i th\u1eddi tr\u01b0\u1edbc nh\u1eefng c\u00f4ng ngh\u1ec7 thanh to\u00e1n m\u1edbi \u0111ang \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n v\u00e0 ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn.\u00a0L\u00e0n s\u00f3ng c\u00f4ng ngh\u1ec7 \u0111ang t\u1ea1o ra nh\u1eefng thay \u0111\u1ed5i m\u1ea1nh m\u1ebd trong ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n c\u1ee7a kh\u00e1ch h\u00e0ng. T\u1eeb ti\u1ec1n gi\u1ea5y, ti\u1ec1n xu, mua h\u00e0ng tr\u1ea3 […]\n","protected":false},"author":1,"featured_media":2415,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[161],"tags":[],"class_list":["post-2404","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc"],"featured_image_url":"https:\/\/miraway.vn\/blog\/wp-content\/uploads\/2018\/08\/bea181398107f8c337c1a1c349c5d588-1-1.jpg","_links":{"self":[{"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/posts\/2404"}],"collection":[{"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/comments?post=2404"}],"version-history":[{"count":0,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/posts\/2404\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/media\/2415"}],"wp:attachment":[{"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/media?parent=2404"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/categories?post=2404"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/miraway.vn\/blog\/wp-json\/wp\/v2\/tags?post=2404"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}