\u0110\u1ecbnh danh kh\u00e1ch h\u00e0ng – KYC (know your customer) l\u00e0 m\u1ed9t quy tr\u00ecnh d\u00f9ng \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u00e0 ch\u1ee9ng th\u1ef1c danh t\u00ednh c\u1ee7a m\u1ed9t kh\u00e1ch h\u00e0ng. Qu\u00e1 tr\u00ecnh s\u1ebd bao g\u1ed3m nhi\u1ec1u kh\u00e2u ki\u1ec3m tra \u0111\u1ec3 \u0111\u1ea3m r\u1eb1ng m\u1ed9t kh\u00e1ch h\u00e0ng th\u1eadt s\u1ef1 \u0111\u00fang nh\u01b0 nh\u1eefng g\u00ec h\u1ecd \u0111\u00e3 n\u00f3i hay kh\u00f4ng. V\u00ed d\u1ee5 ch\u1ee5p h\u00ecnh v\u00e0 l\u01b0u gi\u1eef b\u1ea3n sao c\u00e1c gi\u1ea5y t\u1edd t\u00f9y th\u00e2n…<\/p>\n
KYC th\u01b0\u1eddng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng ngo\u1ea1i tuy\u1ebfn .KYC s\u1ebd gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ph\u00f2ng ng\u1eeba nh\u1eefng r\u1ee7i ro m\u00e0 c\u00f3 th\u1ec3 x\u1ea3y ra t\u1eeb ph\u00eda kh\u00e1ch h\u00e0ng.<\/p>\n
![\"ekyc](\"https:\/\/miraway.vn\/blog\/wp-content\/uploads\/2020\/11\/ekyc-tuong-lai-cua-dinh-danh-khach-hang-1-1.jpg\")
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II. T\u1eeb KYC \u0111\u1ebfn EKYC: Chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/strong><\/span><\/h2>\nT\u1ea5t c\u1ea3 c\u00e1c doanh nghi\u1ec7p v\u00e0 c\u00f4ng ty \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng \u0111ang tr\u1ea3i qua m\u1ed9t qu\u00e1 tr\u00ecnh s\u1ed1 h\u00f3a quy\u1ebft li\u1ec7t. Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 l\u00e0 m\u1ed9t ph\u1ea7n t\u1ea5t y\u1ebfu \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u00e0 th\u00edch nghi trong th\u1eddi \u0111\u1ea1i c\u00f4ng nghi\u1ec7p 4.0 n\u00e0y. \u1ee8ng d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 h\u1ecdc m\u00e1y v\u00e0o c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 s\u1ebd gi\u00fap doanh nghi\u1ec7p\u00a0chuy\u1ec3n \u0111\u1ed5i v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy tr\u00ecnh m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n
Qu\u00e1 tr\u00ecnh x\u00e1c minh KYC b\u1eb1ng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c truy\u1ec1n th\u1ed1ng th\u01b0\u1eddng m\u1ea5t r\u1ea5t nhi\u1ec1u th\u1eddi gian v\u00e0 ngu\u1ed3n l\u1ef1c \u0111\u1ec3 x\u1eed l\u00fd. V\u00ec v\u1eady vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i t\u1eeb KYC sang EKYC l\u00e0 qu\u00e1 tr\u00ecnh t\u1ea5t y\u1ebfu \u0111\u1ec3 ph\u00e1t tri\u1ec3n.<\/p>\n
III. \u0110\u1ecbnh danh \u0111i\u1ec7n t\u1eed EKYC l\u00e0 g\u00ec?<\/strong><\/span><\/h2>\neKYC (Electronic Know Your Customer) l\u00e0 qu\u00e1 tr\u00ecnh nh\u1eadn bi\u1ebft danh t\u00ednh kh\u00e1ch h\u00e0ng tr\u00ean c\u00e1c t\u00e0i kho\u1ea3n \u0111i\u1ec7n t\u1eed t\u1eeb xa m\u00e0 kh\u00f4ng c\u1ea7n gi\u1ea5y t\u1edd x\u00e1c \u0111\u1ecbnh danh t\u00ednh kh\u00e1ch h\u00e0ng khi m\u1edf t\u00e0i kho\u1ea3n v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed.<\/p>\n
Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i t\u1eeb KYC sang EKYC s\u1ebd gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ti\u1ebft ki\u1ec7m chi ph\u00ed v\u00e0 ngu\u1ed3n nh\u00e2n l\u1ef1c so v\u1edbi ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng truy\u1ec1n th\u1ed1ng tr\u01b0\u1edbc \u0111\u00e2y. Ngo\u00e0i ra vi\u1ec7c \u0111\u1ecbnh danh eKYC c\u00f2n h\u1ea1n ch\u1ebf c\u00e1c t\u00ecnh tr\u1ea1ng gi\u1ea3 m\u1ea1o danh t\u00ednh, ch\u1eef k\u00fd v\u00e0 c\u00e1c h\u00e0nh vi l\u1eeba \u0111\u1ea3o kh\u00e1c.<\/p>\n
eKYC th\u01b0\u1eddng y\u00eau c\u1ea7u ng\u01b0\u1eddi d\u00f9ng ch\u1ee5p \u1ea3nh ch\u1ee9ng m\u00ecnh th\u01b0 ho\u1eb7c h\u1ed9 chi\u1ebfu c\u1ee7a h\u1ecd, sau \u0111\u00f3 s\u1ebd ch\u1ee5p g\u01b0\u01a1ng m\u1eb7t v\u00e0 \u0111i\u1ec1n th\u00eam m\u1ed9t s\u1ed1 th\u00f4ng tin c\u01a1 b\u1ea3n kh\u00e1c. C\u00f4ng ngh\u1ec7 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o s\u1ebd so s\u00e1nh \u1ea3nh c\u1ee7a b\u1ea1n v\u00e0 \u1ea3nh tr\u00ean gi\u1ea5y t\u1edd t\u00f9y th\u00e2n \u0111\u1ec3 x\u00e1c nh\u1eadn xem d\u1eef li\u1ec7u c\u00f3 \u0111\u00fang kh\u00f4ng.<\/p>\n
IV. EKYC T\u01b0\u01a1ng Lai C\u1ee7a \u0110\u1ecbnh Danh Kh\u00e1ch H\u00e0ng \u0110i\u1ec7n T\u1eed.<\/strong><\/span><\/h2>\nQuy tr\u00ecnh eKYC l\u00e0 s\u1ef1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a quy tr\u00ecnh KYC truy\u1ec1n th\u1ed1ng. Thay v\u00ec ph\u1ea3i m\u1ea5t h\u00e0ng ti\u1ebfng \u0111\u1ec3 ho\u00e0n th\u00e0nh quy tr\u00ecnh th\u00ec doanh nghi\u1ec7p ch\u1ec9 c\u1ea7n m\u1ea5t t\u1edbi v\u00e0i gi\u00e2y \u0111\u1ec3 th\u1ef1c hi\u1ec7n v\u1edbi chi ph\u00ed th\u1ea5p h\u01a1n trong m\u1ed9t quy tr\u00ecnh \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a. Vi\u1ec7c \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng di\u1ec5n ra nhanh ch\u00f3ng gi\u00fap c\u00e1c doanh nghi\u1ec7p t\u0103ng t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i l\u00ean \u0111\u1ebfn 84% v\u00e0 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch, tho\u1ea3i m\u00e1i v\u00e0 ti\u1ec7n l\u1ee3i h\u01a1n cho kh\u00e1ch h\u00e0ng.\u00a0eKYC gi\u00fap t\u0103ng s\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ngay t\u1eeb nh\u1eefng gi\u00e2y ph\u00fat \u0111\u1ea7u ti\u00ean doanh nghi\u1ec7p ti\u1ebfp x\u00fac v\u1edbi h\u1ecd.<\/p>\n
Vi\u1ec7c t\u00edch h\u1ee3p k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 eKYC v\u00e0o quy tr\u00ecnh l\u00e0m vi\u1ec7c c\u1ee7a doanh nghi\u1ec7p h\u1ee9a h\u1eb9n s\u1ebd m\u1edf ra nh\u1eefng c\u1ea3i ti\u1ebfn \u0111\u00e1ng k\u1ec3 v\u1ec1 n\u0103ng su\u1ea5t c\u1ee7a nh\u00e2n vi\u00ean, t\u1ea1o ra gi\u00e1 tr\u1ecb quan tr\u1ecdng cho doanh nghi\u1ec7p. Ngo\u00e0i ra, eKYC c\u0169ng gi\u00fap nh\u00e2n vi\u00ean th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng m\u1ed9t c\u00e1ch nhanh ch\u00f3ng, hi\u1ec7u qu\u1ea3 v\u00e0 ch\u00ednh x\u00e1c h\u01a1n.<\/p>\n
eKYC (Electronic Know Your Customer) l\u00e0 qu\u00e1 tr\u00ecnh nh\u1eadn bi\u1ebft danh t\u00ednh kh\u00e1ch h\u00e0ng tr\u00ean c\u00e1c t\u00e0i kho\u1ea3n \u0111i\u1ec7n t\u1eed t\u1eeb xa m\u00e0 kh\u00f4ng c\u1ea7n gi\u1ea5y t\u1edd x\u00e1c \u0111\u1ecbnh danh t\u00ednh kh\u00e1ch h\u00e0ng khi m\u1edf t\u00e0i kho\u1ea3n v\u00e0 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed.<\/p>\n
Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i t\u1eeb KYC sang EKYC s\u1ebd gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ti\u1ebft ki\u1ec7m chi ph\u00ed v\u00e0 ngu\u1ed3n nh\u00e2n l\u1ef1c so v\u1edbi ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng truy\u1ec1n th\u1ed1ng tr\u01b0\u1edbc \u0111\u00e2y. Ngo\u00e0i ra vi\u1ec7c \u0111\u1ecbnh danh eKYC c\u00f2n h\u1ea1n ch\u1ebf c\u00e1c t\u00ecnh tr\u1ea1ng gi\u1ea3 m\u1ea1o danh t\u00ednh, ch\u1eef k\u00fd v\u00e0 c\u00e1c h\u00e0nh vi l\u1eeba \u0111\u1ea3o kh\u00e1c.<\/p>\n
eKYC th\u01b0\u1eddng y\u00eau c\u1ea7u ng\u01b0\u1eddi d\u00f9ng ch\u1ee5p \u1ea3nh ch\u1ee9ng m\u00ecnh th\u01b0 ho\u1eb7c h\u1ed9 chi\u1ebfu c\u1ee7a h\u1ecd, sau \u0111\u00f3 s\u1ebd ch\u1ee5p g\u01b0\u01a1ng m\u1eb7t v\u00e0 \u0111i\u1ec1n th\u00eam m\u1ed9t s\u1ed1 th\u00f4ng tin c\u01a1 b\u1ea3n kh\u00e1c. C\u00f4ng ngh\u1ec7 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o s\u1ebd so s\u00e1nh \u1ea3nh c\u1ee7a b\u1ea1n v\u00e0 \u1ea3nh tr\u00ean gi\u1ea5y t\u1edd t\u00f9y th\u00e2n \u0111\u1ec3 x\u00e1c nh\u1eadn xem d\u1eef li\u1ec7u c\u00f3 \u0111\u00fang kh\u00f4ng.<\/p>\n