{"id":83527,"date":"2024-04-05T12:00:51","date_gmt":"2024-04-05T16:00:51","guid":{"rendered":"https:\/\/ideascale.com\/viblog\/doi-moi-fintech-la-gi\/"},"modified":"2024-06-12T02:59:02","modified_gmt":"2024-06-12T06:59:02","slug":"doi-moi-fintech-la-gi","status":"publish","type":"post","link":"https:\/\/ideascale.com\/vi\/viblog\/doi-moi-fintech-la-gi\/","title":{"rendered":"\u0110\u1ed5i m\u1edbi Fintech l\u00e0 g\u00ec? \u0110\u1ecbnh ngh\u0129a, \u0110\u1ed5i m\u1edbi trong Fintech v\u00e0 \u0110\u1ed5i m\u1edbi Fintech c\u00f3 gi\u00e1 tr\u1ecb nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><strong><b>M\u1ee5c l\u1ee5c<\/b><\/strong><\/p>\n<\/div><div class=\"awb-toc-el awb-toc-el--1\" data-awb-toc-id=\"1\" data-awb-toc-options=\"{&quot;allowed_heading_tags&quot;:{&quot;h2&quot;:0},&quot;ignore_headings&quot;:&quot;&quot;,&quot;ignore_headings_words&quot;:&quot;&quot;,&quot;enable_cache&quot;:&quot;yes&quot;,&quot;highlight_current_heading&quot;:&quot;no&quot;,&quot;hide_hidden_titles&quot;:&quot;yes&quot;,&quot;limit_container&quot;:&quot;post_content&quot;,&quot;select_custom_headings&quot;:&quot;&quot;,&quot;icon&quot;:&quot;fa-flag fas&quot;,&quot;counter_type&quot;:&quot;decimal&quot;}\" style=\"--awb-counter-type:counters(awb-toc, &quot;.&quot;, decimal) &quot;. &quot;;\"><div class=\"awb-toc-el__content\"><ul class=\"awb-toc-el__list awb-toc-el__list--0\"><li class=\"awb-toc-el__list-item\"><a class=\"awb-toc-el__item-anchor\" href=\"#toc_oi_moi_Fintech_la_gi\">\u0110\u1ed5i m\u1edbi Fintech l\u00e0 g\u00ec?<\/a><\/li><li class=\"awb-toc-el__list-item\"><a class=\"awb-toc-el__item-anchor\" href=\"#toc_9_oi_moi_trong_Fintech\">9 \u0111\u1ed5i m\u1edbi trong Fintech<\/a><\/li><li class=\"awb-toc-el__list-item\"><a class=\"awb-toc-el__item-anchor\" href=\"#toc_oi_moi_Fintech_co_gia_tri_nhu_the\">\u0110\u1ed5i m\u1edbi Fintech c\u00f3 gi\u00e1 tr\u1ecb nh\u01b0 th\u1ebf n\u00e0o?: T\u1ea7m quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u c\u1ee7a Fintech<\/a><\/li><\/ul><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><h2>\u0110\u1ed5i m\u1edbi Fintech l\u00e0 g\u00ec?<\/h2>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 \u0111\u1ed9t ph\u00e1, c\u1ea3i ti\u1ebfn ho\u1eb7c t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, quy tr\u00ecnh ho\u1eb7c m\u00f4 h\u00ecnh kinh doanh t\u00e0i ch\u00ednh m\u1edbi. Thu\u1eadt ng\u1eef &#8220;fintech&#8221; l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa &#8220;t\u00e0i ch\u00ednh&#8221; v\u00e0 &#8220;c\u00f4ng ngh\u1ec7&#8221;, n\u00eau b\u1eadt s\u1ef1 giao thoa c\u1ee7a hai l\u0129nh v\u1ef1c n\u00e0y nh\u1eb1m th\u00fac \u0111\u1ea9y s\u1ef1 \u0111\u1ed5i m\u1edbi v\u00e0 chuy\u1ec3n \u0111\u1ed5i trong ng\u00e0nh t\u00e0i ch\u00ednh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech bao g\u1ed3m m\u1ed9t lo\u1ea1t c\u00e1c ph\u00e1t tri\u1ec3n tr\u00ean nhi\u1ec1u ph\u00e2n kh\u00fac kh\u00e1c nhau c\u1ee7a l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, bao g\u1ed3m ng\u00e2n h\u00e0ng, thanh to\u00e1n, cho vay, qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ngh\u1ec7 \u0111i\u1ec1u ti\u1ebft (RegTech). N\u00f3 th\u00fac \u0111\u1ea9y nh\u1eefng ti\u1ebfn b\u1ed9 trong c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI), chu\u1ed7i kh\u1ed1i, \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y, ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 k\u1ebft n\u1ed1i di \u0111\u1ed9ng \u0111\u1ec3 c\u00e1ch m\u1ea1ng h\u00f3a c\u00e1ch th\u1ee9c cung c\u1ea5p, truy c\u1eadp v\u00e0 ti\u00eau th\u1ee5 c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/span><\/p>\n<p><b>C\u00e1c \u0111\u1eb7c \u0111i\u1ec3m ch\u00ednh c\u1ee7a \u0111\u1ed5i m\u1edbi fintech bao g\u1ed3m:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng n\u00e2ng cao: <\/b><span style=\"font-weight: 400;\">C\u00e1c c\u00f4ng ty Fintech \u01b0u ti\u00ean thi\u1ebft k\u1ebf l\u1ea5y ng\u01b0\u1eddi d\u00f9ng l\u00e0m trung t\u00e2m v\u00e0 tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 li\u1ec1n m\u1ea1ch \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u00e0 s\u1edf th\u00edch ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n c\u1ee7a kh\u00e1ch h\u00e0ng. H\u1ecd t\u1eadn d\u1ee5ng c\u00e1c giao di\u1ec7n tr\u1ef1c quan, \u0111\u1ec1 xu\u1ea5t \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a v\u00e0 quy tr\u00ecnh tr\u01a1n tru \u0111\u1ec3 mang l\u1ea1i s\u1ef1 thu\u1eadn ti\u1ec7n, minh b\u1ea1ch v\u00e0 kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hi\u1ec7u qu\u1ea3 v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a:  <\/b><span style=\"font-weight: 400;\">C\u00e1c gi\u1ea3i ph\u00e1p Fintech h\u1ee3p l\u00fd h\u00f3a c\u00e1c quy tr\u00ecnh th\u1ee7 c\u00f4ng, t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c t\u00e1c v\u1ee5 th\u01b0\u1eddng ng\u00e0y v\u00e0 t\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh v\u1eadn h\u00e0nh \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3, gi\u1ea3m chi ph\u00ed v\u00e0 n\u00e2ng cao kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng. B\u1eb1ng c\u00e1ch khai th\u00e1c c\u00f4ng ngh\u1ec7, c\u00e1c c\u00f4ng ty fintech th\u00fac \u0111\u1ea9y t\u0103ng n\u0103ng su\u1ea5t, \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh nhanh h\u01a1n v\u00e0 linh ho\u1ea1t h\u01a1n trong vi\u1ec7c \u0111\u00e1p \u1ee9ng c\u00e1c \u0111\u1ed9ng l\u1ef1c c\u1ee7a th\u1ecb tr\u01b0\u1eddng.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bao g\u1ed3m t\u00e0i ch\u00ednh:  <\/b><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech nh\u1eb1m m\u1ee5c \u0111\u00edch m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n cho nh\u1eefng nh\u00f3m d\u00e2n c\u01b0 ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 \u0111\u1ea7y \u0111\u1ee7 ho\u1eb7c kh\u00f4ng c\u00f3 d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng. Th\u00f4ng qua ng\u00e2n h\u00e0ng di \u0111\u1ed9ng, v\u00ed k\u1ef9 thu\u1eadt s\u1ed1, t\u00e0i ch\u00ednh vi m\u00f4 v\u00e0 n\u1ec1n t\u1ea3ng cho vay thay th\u1ebf, c\u00e1c c\u00f4ng ty fintech d\u00e2n ch\u1ee7 h\u00f3a kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng, ti\u1ebft ki\u1ec7m, b\u1ea3o hi\u1ec3m v\u00e0 c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0, trao quy\u1ec1n cho c\u00e1c c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p tham gia v\u00e0o h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ch\u00ednh th\u1ee9c.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ph\u00e2n t\u00e1n v\u00e0 ph\u00e2n quy\u1ec1n:  <\/b><span style=\"font-weight: 400;\">Fintech ph\u00e1 v\u1ee1 c\u00e1c trung gian truy\u1ec1n th\u1ed1ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c truy\u1ec1n th\u1ed1ng b\u1eb1ng c\u00e1ch cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p tr\u1ef1c ti\u1ebfp cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng, m\u1ea1ng ngang h\u00e0ng v\u00e0 n\u1ec1n t\u1ea3ng phi t\u1eadp trung. B\u1eb1ng c\u00e1ch lo\u1ea1i b\u1ecf c\u00e1c trung gian, gi\u1ea3m r\u00e0o c\u1ea3n gia nh\u1eadp v\u00e0 th\u00fac \u0111\u1ea9y t\u01b0\u01a1ng t\u00e1c ngang h\u00e0ng, \u0111\u1ed5i m\u1edbi fintech th\u00fac \u0111\u1ea9y vi\u1ec7c lo\u1ea1i b\u1ecf trung gian, lo\u1ea1i b\u1ecf trung gian v\u00e0 lo\u1ea1i b\u1ecf trung gian trong c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Th\u00f4ng tin chi ti\u1ebft d\u1ef1a tr\u00ean d\u1eef li\u1ec7u:  <\/b><span style=\"font-weight: 400;\">Fintech t\u1eadn d\u1ee5ng d\u1eef li\u1ec7u l\u1edbn, m\u00e1y h\u1ecdc v\u00e0 ph\u00e2n t\u00edch d\u1ef1 \u0111o\u00e1n \u0111\u1ec3 t\u1ea1o ra nh\u1eefng hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc c\u00f3 th\u1ec3 h\u00e0nh \u0111\u1ed9ng, gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u00e0 c\u00e1 nh\u00e2n h\u00f3a c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh. B\u1eb1ng c\u00e1ch ph\u00e2n t\u00edch l\u01b0\u1ee3ng d\u1eef li\u1ec7u kh\u1ed5ng l\u1ed3 t\u1eeb nhi\u1ec1u ngu\u1ed3n kh\u00e1c nhau, c\u00e1c c\u00f4ng ty fintech hi\u1ec3u s\u00e2u h\u01a1n v\u1ec1 h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng, xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng v\u00e0 h\u1ed3 s\u01a1 r\u1ee7i ro, cho ph\u00e9p \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u v\u00e0 \u0111\u1ed5i m\u1edbi s\u1ea3n ph\u1ea9m c\u00f3 m\u1ee5c ti\u00eau.<\/span><\/li>\n<\/ul>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh:<\/b><span style=\"font-weight: 400;\">  \u0110\u1ed5i m\u1edbi Fintech gi\u1ea3i quy\u1ebft c\u00e1c th\u00e1ch th\u1ee9c ph\u00e1p l\u00fd v\u00e0 y\u00eau c\u1ea7u tu\u00e2n th\u1ee7 th\u00f4ng qua c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 qu\u1ea3n l\u00fd (RegTech). Nh\u1eefng c\u00f4ng ngh\u1ec7 n\u00e0y t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy tr\u00ecnh tu\u00e2n th\u1ee7, gi\u00e1m s\u00e1t c\u00e1c thay \u0111\u1ed5i v\u1ec1 quy \u0111\u1ecbnh v\u00e0 \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 c\u00e1c khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd v\u00e0 quy \u0111\u1ecbnh, gi\u00fap c\u00e1c c\u00f4ng ty fintech \u0111i\u1ec1u h\u01b0\u1edbng c\u00e1c m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd ph\u1ee9c t\u1ea1p v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro tu\u00e2n th\u1ee7.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nh\u00ecn chung, \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i ng\u00e0nh t\u00e0i ch\u00ednh, th\u00e1ch th\u1ee9c c\u00e1c m\u00f4 h\u00ecnh kinh doanh truy\u1ec1n th\u1ed1ng v\u00e0 m\u1edf ra nh\u1eefng c\u01a1 h\u1ed9i m\u1edbi cho \u0111\u1ed5i m\u1edbi, c\u1ea1nh tranh v\u00e0 h\u1ee3p t\u00e1c. B\u1eb1ng c\u00e1ch khai th\u00e1c s\u1ee9c m\u1ea1nh c\u1ee7a c\u00f4ng ngh\u1ec7, c\u00e1c c\u00f4ng ty fintech th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, th\u00fac \u0111\u1ea9y trao quy\u1ec1n kinh t\u1ebf v\u00e0 \u0111\u00f3ng g\u00f3p v\u00e0o m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, d\u1ec5 ti\u1ebfp c\u1eadn v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n.<\/span><\/p>\n<h2>9 \u0111\u1ed5i m\u1edbi trong Fintech<\/h2>\n<p><span style=\"font-weight: 400;\">Nh\u1eefng \u0111\u1ed5i m\u1edbi trong l\u0129nh v\u1ef1c fintech kh\u00f4ng ng\u1eebng \u0111\u1ecbnh h\u00ecnh l\u1ea1i ng\u00e0nh t\u00e0i ch\u00ednh, gi\u1edbi thi\u1ec7u c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 v\u00e0 m\u00f4 h\u00ecnh kinh doanh m\u1edbi nh\u1eb1m n\u00e2ng cao hi\u1ec7u qu\u1ea3, kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u00e0 s\u1ef1 thu\u1eadn ti\u1ec7n cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u0169ng nh\u01b0 doanh nghi\u1ec7p. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 \u0111\u1ed5i m\u1edbi \u0111\u00e1ng ch\u00fa \u00fd trong fintech:<\/span><\/p>\n<p><b>1. Thanh to\u00e1n k\u1ef9 thu\u1eadt s\u1ed1:  <\/b><span style=\"font-weight: 400;\">C\u00e1c c\u00f4ng ty Fintech \u0111\u00e3 c\u00e1ch m\u1ea1ng h\u00f3a c\u00e1ch th\u1ef1c hi\u1ec7n v\u00e0 x\u1eed l\u00fd thanh to\u00e1n, cung c\u1ea5p r\u1ea5t nhi\u1ec1u gi\u1ea3i ph\u00e1p thanh to\u00e1n k\u1ef9 thu\u1eadt s\u1ed1 mang l\u1ea1i t\u1ed1c \u0111\u1ed9, b\u1ea3o m\u1eadt v\u00e0 ti\u1ec7n l\u1ee3i. T\u1eeb v\u00ed di \u0111\u1ed9ng v\u00e0 thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac \u0111\u1ebfn chuy\u1ec3n kho\u1ea3n ngang h\u00e0ng (P2P) v\u00e0 thanh to\u00e1n b\u1eb1ng ti\u1ec1n \u0111i\u1ec7n t\u1eed, nh\u1eefng \u0111\u1ed5i m\u1edbi c\u1ee7a fintech \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch c\u00e1c c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p th\u1ef1c hi\u1ec7n giao d\u1ecbch.<\/span><\/p>\n<p><b>2. Ng\u00e2n h\u00e0ng s\u1ed1:  <\/b><span style=\"font-weight: 400;\">N\u1ec1n t\u1ea3ng ng\u00e2n h\u00e0ng s\u1ed1 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng to\u00e0n di\u1ec7n, bao g\u1ed3m qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n, thanh to\u00e1n, cho vay v\u00e0 \u0111\u1ea7u t\u01b0, ho\u00e0n to\u00e0n tr\u1ef1c tuy\u1ebfn ho\u1eb7c th\u00f4ng qua \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng. C\u00e1c ng\u00e2n h\u00e0ng m\u1edbi v\u00e0 ng\u00e2n h\u00e0ng th\u00e1ch th\u1ee9c do Fintech th\u00fac \u0111\u1ea9y \u0111ang ph\u00e1 v\u1ee1 c\u00e1c m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng b\u1eb1ng c\u00e1ch cung c\u1ea5p m\u1ee9c ph\u00ed th\u1ea5p h\u01a1n, l\u00e3i su\u1ea5t cao h\u01a1n v\u00e0 tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng tr\u1ef1c quan ph\u00f9 h\u1ee3p v\u1edbi th\u1ebf h\u1ec7 b\u1ea3n \u0111\u1ecba k\u1ef9 thu\u1eadt s\u1ed1.<\/span><\/p>\n<p><b>3. Robot-C\u1ed1 v\u1ea5n:  <\/b><span style=\"font-weight: 400;\">C\u1ed1 v\u1ea5n robot s\u1eed d\u1ee5ng thu\u1eadt to\u00e1n v\u00e0 m\u00f4 h\u00ecnh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u \u0111\u1ec3 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0 v\u00e0 qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0. C\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ea7u t\u01b0 chi ph\u00ed th\u1ea5p, ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a v\u00e0 t\u00e1i c\u00e2n b\u1eb1ng t\u1ef1 \u0111\u1ed9ng, d\u00e2n ch\u1ee7 h\u00f3a quy\u1ec1n truy c\u1eadp v\u00e0o qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 chuy\u00ean nghi\u1ec7p v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh.<\/span><\/p>\n<p><b>4. Cho vay thay th\u1ebf:  <\/b><span style=\"font-weight: 400;\">C\u00e1c n\u1ec1n t\u1ea3ng cho vay thay th\u1ebf do Fintech th\u00fac \u0111\u1ea9y k\u1ebft n\u1ed1i ng\u01b0\u1eddi \u0111i vay v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c, b\u1ecf qua c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 trung gian t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng. Cho vay ngang h\u00e0ng (P2P), huy \u0111\u1ed9ng v\u1ed1n t\u1eeb c\u1ed9ng \u0111\u1ed3ng v\u00e0 cho vay tr\u00ean th\u1ecb tr\u01b0\u1eddng gi\u00fap ng\u01b0\u1eddi vay ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n v\u1edbi l\u00e3i su\u1ea5t c\u1ea1nh tranh v\u00e0 mang \u0111\u1ebfn cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u01a1 h\u1ed9i thu \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn h\u1ea5p d\u1eabn th\u00f4ng qua danh m\u1ee5c cho vay \u0111a d\u1ea1ng.<\/span><\/p>\n<p><b>5. RegTech:  <\/b><span style=\"font-weight: 400;\">C\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 quy \u0111\u1ecbnh (RegTech) s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, m\u00e1y h\u1ecdc v\u00e0 chu\u1ed7i kh\u1ed1i \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy tr\u00ecnh tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh, gi\u00e1m s\u00e1t c\u00e1c thay \u0111\u1ed5i quy \u0111\u1ecbnh v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro tu\u00e2n th\u1ee7 trong t\u00e0i ch\u00ednh. Nh\u1eefng \u0111\u1ed5i m\u1edbi c\u1ee7a RegTech gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111i\u1ec1u h\u01b0\u1edbng c\u00e1c m\u00f4i tr\u01b0\u1eddng ph\u00e1p l\u00fd ph\u1ee9c t\u1ea1p hi\u1ec7u qu\u1ea3 h\u01a1n.<\/span><\/p>\n<p><b>6. C\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m:  <\/b><span style=\"font-weight: 400;\">C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p InsurTech t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i ng\u00e0nh b\u1ea3o hi\u1ec3m, gi\u1edbi thi\u1ec7u c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1, b\u1ea3o l\u00e3nh c\u00e1 nh\u00e2n h\u00f3a v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p qu\u1ea3n l\u00fd r\u1ee7i ro \u0111\u1ed5i m\u1edbi. T\u1eeb b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean m\u1ee9c s\u1eed d\u1ee5ng v\u00e0 b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u \u0111\u1ebfn b\u1ea3o hi\u1ec3m tham s\u1ed1 v\u00e0 x\u1eed l\u00fd y\u00eau c\u1ea7u k\u1ef9 thu\u1eadt s\u1ed1, nh\u1eefng \u0111\u1ed5i m\u1edbi c\u1ee7a InsurTech \u0111ang th\u00fac \u0111\u1ea9y hi\u1ec7u qu\u1ea3, t\u00ednh minh b\u1ea1ch v\u00e0 l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m trung t\u00e2m trong b\u1ea3o hi\u1ec3m.<\/span><\/p>\n<p><b>7. Blockchain v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed:  <\/b><span style=\"font-weight: 400;\">C\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111ang ph\u00e1 v\u1ee1 n\u1ec1n t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng b\u1eb1ng c\u00e1ch cho ph\u00e9p c\u00e1c giao d\u1ecbch phi t\u1eadp trung, an to\u00e0n v\u00e0 quy\u1ec1n s\u1edf h\u1eefu t\u00e0i s\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1. C\u00e1c \u1ee9ng d\u1ee5ng chu\u1ed7i kh\u1ed1i bao g\u1ed3m ti\u1ec1n t\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1, h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh, t\u00e0i ch\u00ednh chu\u1ed7i cung \u1ee9ng v\u00e0 x\u00e1c minh danh t\u00ednh, gi\u00fap t\u0103ng t\u00ednh minh b\u1ea1ch, b\u1ea3o m\u1eadt v\u00e0 hi\u1ec7u qu\u1ea3 trong c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh.<\/span><\/p>\n<p><b>8. Ng\u00e2n h\u00e0ng m\u1edf:  <\/b><span style=\"font-weight: 400;\">C\u00e1c s\u00e1ng ki\u1ebfn \u200b\u200bng\u00e2n h\u00e0ng m\u1edf th\u00fac \u0111\u1ea9y chia s\u1ebb d\u1eef li\u1ec7u v\u00e0 kh\u1ea3 n\u0103ng t\u01b0\u01a1ng t\u00e1c gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, cho ph\u00e9p c\u00e1c nh\u00e0 ph\u00e1t tri\u1ec3n b\u00ean th\u1ee9 ba truy c\u1eadp d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng v\u00e0 x\u00e2y d\u1ef1ng c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh s\u00e1ng t\u1ea1o. Ng\u00e2n h\u00e0ng m\u1edf th\u00fac \u0111\u1ea9y c\u1ea1nh tranh, \u0111\u1ed5i m\u1edbi v\u00e0 h\u1ee3p t\u00e1c trong h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh, trao quy\u1ec1n cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng ki\u1ec3m so\u00e1t t\u1ed1t h\u01a1n d\u1eef li\u1ec7u t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd v\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho tr\u1ea3i nghi\u1ec7m t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a.<\/span><\/p>\n<p><b>9. T\u00e0i ch\u00ednh to\u00e0n di\u1ec7n:\u201d  <\/b><span style=\"font-weight: 400;\">Nh\u1eefng \u0111\u1ed5i m\u1edbi c\u1ee7a Fintech \u0111ang gi\u1ea3i quy\u1ebft c\u00e1c r\u00e0o c\u1ea3n \u0111\u1ed1i v\u1edbi vi\u1ec7c ti\u1ebfp c\u1eadn v\u00e0 h\u00f2a nh\u1eadp t\u00e0i ch\u00ednh b\u1eb1ng c\u00e1ch cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng nh\u00f3m d\u00e2n c\u01b0 ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 \u0111\u1ea7y \u0111\u1ee7 ho\u1eb7c ch\u01b0a c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. T\u1eeb ng\u00e2n h\u00e0ng di \u0111\u1ed9ng v\u00e0 t\u00e0i ch\u00ednh vi m\u00f4 \u0111\u1ebfn v\u00ed k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 gi\u1ea3i ph\u00e1p chuy\u1ec3n ti\u1ec1n, c\u00e1c c\u00f4ng ty fintech \u0111ang m\u1edf r\u1ed9ng t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, trao quy\u1ec1n cho c\u00e1c c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p tham gia v\u00e0o h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ch\u00ednh th\u1ee9c v\u00e0 c\u1ea3i thi\u1ec7n ph\u00fac l\u1ee3i kinh t\u1ebf c\u1ee7a h\u1ecd.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nh\u1eefng \u0111\u1ed5i m\u1edbi trong l\u0129nh v\u1ef1c fintech \u0111ang th\u00fac \u0111\u1ea9y l\u00e0n s\u00f3ng chuy\u1ec3n \u0111\u1ed5i trong ng\u00e0nh t\u00e0i ch\u00ednh, ph\u00e1 v\u1ee1 c\u00e1c m\u00f4 h\u00ecnh kinh doanh truy\u1ec1n th\u1ed1ng v\u00e0 t\u1ea1o ra nh\u1eefng c\u01a1 h\u1ed9i m\u1edbi cho \u0111\u1ed5i m\u1edbi, c\u1ea1nh tranh v\u00e0 h\u1ee3p t\u00e1c. Khi fintech ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n, n\u00f3 s\u1ebd \u0111\u00f3ng vai tr\u00f2 ng\u00e0y c\u00e0ng quan tr\u1ecdng trong vi\u1ec7c \u0111\u1ecbnh h\u00ecnh t\u01b0\u01a1ng lai c\u1ee7a t\u00e0i ch\u00ednh, th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, b\u1ec1n v\u1eefng v\u00e0 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf tr\u00ean quy m\u00f4 to\u00e0n c\u1ea7u.<\/span><\/p>\n<p><strong><b>T\u00ecm hi\u1ec3u th\u00eam: <a href=\"https:\/\/ideascale.com\/vi\/viblog\/chuyen-doi-so-trong-nganh-tai-chinh\/\">Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh t\u00e0i ch\u00ednh<\/a><\/b><\/strong><\/p>\n<h2>\u0110\u1ed5i m\u1edbi Fintech c\u00f3 gi\u00e1 tr\u1ecb nh\u01b0 th\u1ebf n\u00e0o?: T\u1ea7m quan tr\u1ecdng h\u00e0ng \u0111\u1ea7u c\u1ee7a Fintech<\/h2>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech c\u00f3 gi\u00e1 tr\u1ecb v\u00e0 \u00fd ngh\u0129a to l\u1edbn tr\u00ean nhi\u1ec1u kh\u00eda c\u1ea1nh, g\u00f3p ph\u1ea7n t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf, t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, t\u0103ng hi\u1ec7u qu\u1ea3 v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 c\u00e1ch ch\u00ednh m\u00e0 s\u1ef1 \u0111\u1ed5i m\u1edbi c\u1ee7a fintech t\u1ea1o ra gi\u00e1 tr\u1ecb:<\/span><\/p>\n<ol>\n<li><b>  Th\u00fac \u0111\u1ea9y t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech k\u00edch th\u00edch t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf b\u1eb1ng c\u00e1ch th\u00fac \u0111\u1ea9y tinh th\u1ea7n kinh doanh, t\u1ea1o vi\u1ec7c l\u00e0m v\u00e0 thu h\u00fat \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7. C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p v\u00e0 fintech \u0111\u00f3ng g\u00f3p v\u00e0o t\u0103ng tr\u01b0\u1edfng GDP, th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi trong c\u00e1c ng\u00e0nh li\u00ean quan v\u00e0 th\u00fac \u0111\u1ea9y ph\u00e1t tri\u1ec3n kinh t\u1ebf th\u00f4ng qua t\u0103ng n\u0103ng su\u1ea5t v\u00e0 kh\u1ea3 n\u0103ng c\u1ea1nh tranh.<\/span><\/p>\n<ol start=\"2\">\n<li><b>  Th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n cho nh\u1eefng nh\u00f3m d\u00e2n c\u01b0 ch\u01b0a \u0111\u01b0\u1ee3c ph\u1ee5c v\u1ee5 \u0111\u1ea7y \u0111\u1ee7 ho\u1eb7c kh\u00f4ng c\u00f3 d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng. B\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng, n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng thay th\u1ebf, c\u00e1c c\u00f4ng ty fintech ti\u1ebfp c\u1eadn c\u00e1c c\u1ed9ng \u0111\u1ed3ng b\u1ecb thi\u1ec7t th\u00f2i, trao quy\u1ec1n cho c\u00e1c c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p tham gia v\u00e0o h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ch\u00ednh th\u1ee9c, x\u00e2y d\u1ef1ng t\u00e0i s\u1ea3n v\u00e0 c\u1ea3i thi\u1ec7n ph\u00fac l\u1ee3i kinh t\u1ebf c\u1ee7a h\u1ecd.<\/span><\/p>\n<ol start=\"3\">\n<li><b>  N\u00e2ng cao hi\u1ec7u qu\u1ea3 v\u00e0 gi\u1ea3m chi ph\u00ed<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">C\u00e1c gi\u1ea3i ph\u00e1p Fintech h\u1ee3p l\u00fd h\u00f3a c\u00e1c quy tr\u00ecnh, t\u1ef1 \u0111\u1ed9ng h\u00f3a nhi\u1ec7m v\u1ee5 v\u00e0 t\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh v\u1eadn h\u00e0nh, th\u00fac \u0111\u1ea9y t\u0103ng hi\u1ec7u qu\u1ea3 v\u00e0 gi\u1ea3m chi ph\u00ed cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u0169ng nh\u01b0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng. B\u1eb1ng c\u00e1ch s\u1ed1 h\u00f3a c\u00e1c giao d\u1ecbch, gi\u1ea3m th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd v\u00e0 lo\u1ea1i b\u1ecf c\u00e1c l\u1ed7i th\u1ee7 c\u00f4ng, \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, gi\u1ea3m chi ph\u00ed giao d\u1ecbch v\u00e0 t\u0103ng c\u01b0\u1eddng ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c, cu\u1ed1i c\u00f9ng l\u00e0 c\u1ea3i thi\u1ec7n l\u1ee3i nhu\u1eadn v\u00e0 kh\u1ea3 n\u0103ng c\u1ea1nh tranh.<\/span><\/p>\n<ol start=\"4\">\n<li><b>  C\u1ea3i thi\u1ec7n qu\u1ea3n l\u00fd r\u1ee7i ro<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech n\u00e2ng cao kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd r\u1ee7i ro th\u00f4ng qua ph\u00e2n t\u00edch d\u1eef li\u1ec7u, h\u1ecdc m\u00e1y v\u00e0 m\u00f4 h\u00ecnh d\u1ef1 \u0111o\u00e1n. B\u1eb1ng c\u00e1ch ph\u00e2n t\u00edch l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u trong th\u1eddi gian th\u1ef1c, c\u00e1c c\u00f4ng ty fintech x\u00e1c \u0111\u1ecbnh c\u00e1c r\u1ee7i ro m\u1edbi n\u1ed5i, ph\u00e1t hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng gian l\u1eadn v\u00e0 ph\u00e1t tri\u1ec3n c\u00e1c chi\u1ebfn l\u01b0\u1ee3c gi\u1ea3m thi\u1ec3u r\u1ee7i ro ch\u1ee7 \u0111\u1ed9ng, t\u1eeb \u0111\u00f3 n\u00e2ng cao s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh, kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i v\u00e0 tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh.<\/span><\/p>\n<ol start=\"5\">\n<li><b>  K\u00edch ho\u1ea1t ki\u1ebfn \u200b\u200bth\u1ee9c v\u00e0 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech th\u00fac \u0111\u1ea9y ki\u1ebfn \u200b\u200bth\u1ee9c v\u00e0 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh b\u1eb1ng c\u00e1ch cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1, t\u00e0i nguy\u00ean gi\u00e1o d\u1ee5c v\u00e0 h\u01b0\u1edbng d\u1eabn t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng l\u1eadp ng\u00e2n s\u00e1ch, n\u1ec1n t\u1ea3ng \u0111\u1ea7u t\u01b0 v\u00e0 m\u00f4-\u0111un h\u1ecdc t\u1eadp t\u01b0\u01a1ng t\u00e1c, c\u00e1c c\u00f4ng ty fintech trao quy\u1ec1n cho c\u00e1c c\u00e1 nh\u00e2n \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh s\u00e1ng su\u1ed1t, qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch cho c\u00e1c m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n.<\/span><\/p>\n<ol start=\"6\">\n<li><b>  T\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho s\u1ef1 \u0111\u1ed5i m\u1edbi v\u00e0 c\u1ea1nh tranh<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech th\u00fac \u0111\u1ea9y c\u1ea1nh tranh, \u0111\u1ed5i m\u1edbi v\u00e0 \u0111\u1ed9t ph\u00e1 trong ng\u00e0nh t\u00e0i ch\u00ednh, th\u00e1ch th\u1ee9c c\u00e1c m\u00f4 h\u00ecnh kinh doanh truy\u1ec1n th\u1ed1ng v\u00e0 nh\u1eefng ng\u01b0\u1eddi ch\u01a1i \u0111\u01b0\u01a1ng nhi\u1ec7m. B\u1eb1ng c\u00e1ch gi\u1edbi thi\u1ec7u c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 v\u00e0 m\u00f4 h\u00ecnh kinh doanh m\u1edbi, c\u00e1c c\u00f4ng ty fintech th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi th\u1ecb tr\u01b0\u1eddng, th\u00fac \u0111\u1ea9y c\u00e1c doanh nghi\u1ec7p \u0111\u01b0\u01a1ng nhi\u1ec7m \u0111\u1ed5i m\u1edbi v\u00e0 th\u00edch \u1ee9ng, \u0111\u1ed3ng th\u1eddi cu\u1ed1i c\u00f9ng mang l\u1ea1i l\u1ee3i \u00edch cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng th\u00f4ng qua nhi\u1ec1u l\u1ef1a ch\u1ecdn, t\u00ednh minh b\u1ea1ch v\u00e0 gi\u00e1 tr\u1ecb h\u01a1n.<\/span><\/p>\n<ol start=\"7\">\n<li><b>  H\u1ed7 tr\u1ee3 c\u00e1c m\u1ee5c ti\u00eau ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech g\u00f3p ph\u1ea7n \u0111\u1ea1t \u0111\u01b0\u1ee3c c\u00e1c M\u1ee5c ti\u00eau Ph\u00e1t tri\u1ec3n B\u1ec1n v\u1eefng (SDG) c\u1ee7a Li\u00ean h\u1ee3p qu\u1ed1c b\u1eb1ng c\u00e1ch gi\u1ea3i quy\u1ebft c\u00e1c th\u00e1ch th\u1ee9c to\u00e0n c\u1ea7u nh\u01b0 x\u00f3a \u0111\u00f3i gi\u1ea3m ngh\u00e8o, b\u00ecnh \u0111\u1eb3ng gi\u1edbi v\u00e0 h\u00e0nh \u0111\u1ed9ng v\u1ec1 kh\u00ed h\u1eadu. Th\u00f4ng qua \u0111\u1ea7u t\u01b0 t\u00e1c \u0111\u1ed9ng, th\u1ef1c h\u00e0nh cho vay c\u00f3 tr\u00e1ch nhi\u1ec7m v\u00e0 c\u00e1c s\u00e1ng ki\u1ebfn \u200b\u200bt\u00e0i ch\u00ednh b\u1ec1n v\u1eefng, c\u00e1c c\u00f4ng ty fintech \u0111i\u1ec1u ch\u1ec9nh m\u1ee5c ti\u00eau kinh doanh c\u1ee7a h\u1ecd ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau x\u00e3 h\u1ed9i v\u00e0 m\u00f4i tr\u01b0\u1eddng, t\u1ea1o ra t\u00e1c \u0111\u1ed9ng x\u00e3 h\u1ed9i t\u00edch c\u1ef1c v\u00e0 gi\u00e1 tr\u1ecb l\u00e2u d\u00e0i cho c\u1ed9ng \u0111\u1ed3ng v\u00e0 c\u00e1c b\u00ean li\u00ean quan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110\u1ed5i m\u1edbi Fintech l\u00e0 m\u1ed9t \u0111\u1ed9ng l\u1ef1c bi\u1ebfn \u0111\u1ed5i t\u1ea1o ra gi\u00e1 tr\u1ecb tr\u00ean c\u00e1c kh\u00eda c\u1ea1nh kinh t\u1ebf, x\u00e3 h\u1ed9i v\u00e0 m\u00f4i tr\u01b0\u1eddng. B\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7, d\u1eef li\u1ec7u v\u00e0 \u0111\u1ed5i m\u1edbi, c\u00e1c c\u00f4ng ty fintech th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, t\u0103ng hi\u1ec7u qu\u1ea3, c\u1ea3i thi\u1ec7n qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 k\u1ebft qu\u1ea3 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng, cu\u1ed1i c\u00f9ng g\u00f3p ph\u1ea7n t\u1ea1o n\u00ean m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n, linh ho\u1ea1t v\u00e0 th\u1ecbnh v\u01b0\u1ee3ng h\u01a1n.<\/span><\/p>\n<p><strong><b>T\u00ecm hi\u1ec3u th\u00eam: <a href=\"https:\/\/ideascale.com\/blog\/what-is-financial-innovation-definition\/\">\u0110\u1ed5i m\u1edbi t\u00e0i ch\u00ednh l\u00e0 g\u00ec?<\/a><\/b><\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":72,"featured_media":83528,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4437],"tags":[],"contributor":[4618],"class_list":["post-83527","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-viblog","contributor-nick-jain-vi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0110\u1ed5i m\u1edbi Fintech l\u00e0 g\u00ec? \u0110\u1ecbnh ngh\u0129a, \u0110\u1ed5i m\u1edbi trong Fintech v\u00e0 \u0110\u1ed5i m\u1edbi Fintech c\u00f3 gi\u00e1 tr\u1ecb nh\u01b0 th\u1ebf n\u00e0o<\/title>\n<meta name=\"description\" content=\"\u0110\u1ed5i m\u1edbi Fintech \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 \u0111\u1ed9t ph\u00e1, c\u1ea3i ti\u1ebfn ho\u1eb7c t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, quy tr\u00ecnh ho\u1eb7c m\u00f4 h\u00ecnh kinh doanh t\u00e0i ch\u00ednh m\u1edbi. T\u00ecm hi\u1ec3u th\u00eam v\u1ec1 nh\u1eefng \u0111\u1ed5i m\u1edbi trong fintech v\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a nh\u1eefng \u0111\u1ed5i m\u1edbi trong fintech\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ideascale.com\/vi\/viblog\/doi-moi-fintech-la-gi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0110\u1ed5i m\u1edbi Fintech l\u00e0 g\u00ec? \u0110\u1ecbnh ngh\u0129a, \u0110\u1ed5i m\u1edbi trong Fintech v\u00e0 \u0110\u1ed5i m\u1edbi Fintech c\u00f3 gi\u00e1 tr\u1ecb nh\u01b0 th\u1ebf n\u00e0o\" \/>\n<meta property=\"og:description\" content=\"\u0110\u1ed5i m\u1edbi Fintech \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 \u0111\u1ed9t ph\u00e1, c\u1ea3i ti\u1ebfn ho\u1eb7c t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, quy tr\u00ecnh ho\u1eb7c m\u00f4 h\u00ecnh kinh doanh t\u00e0i ch\u00ednh m\u1edbi. 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