{"id":1464,"date":"2023-05-25T03:04:13","date_gmt":"2023-05-25T03:04:13","guid":{"rendered":"https:\/\/dev.vtcnetviet.com\/?p=1464"},"modified":"2023-06-05T08:21:46","modified_gmt":"2023-06-05T08:21:46","slug":"chuyen-doi-so-trong-nganh-ngan-hang","status":"publish","type":"post","link":"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/","title":{"rendered":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng | C\u01a1 h\u1ed9i &#038; Th\u00e1ch th\u1ee9c"},"content":{"rendered":"\r\n<p>B\u1ea1n \u0111\u00e3 s\u1eb5n s\u00e0ng kh\u00e1m ph\u00e1 c\u00e1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 \u0111ang thay \u0111\u1ed5i ng\u00e0nh ng\u00e2n h\u00e0ng? Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang ta s\u1ebd d\u1eabn b\u1ea1n v\u00e0o cu\u1ed9c h\u00e0nh tr\u00ecnh \u0111\u1ea7y h\u1ee9a h\u1eb9n c\u1ee7a s\u1ef1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng. Ch\u00fang ta s\u1ebd kh\u00e1m ph\u00e1 nh\u1eefng l\u1ee3i \u00edch \u0111\u00e1ng kinh ng\u1ea1c m\u00e0 <a href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">chuy\u1ec3n \u0111\u1ed5i s\u1ed1<\/a> mang l\u1ea1i, t\u1eeb tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng ti\u1ec7n \u00edch \u0111\u1ebfn t\u0103ng c\u01b0\u1eddng hi\u1ec7u su\u1ea5t ho\u1ea1t \u0111\u1ed9ng v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro t\u00e0i ch\u00ednh th\u00f4ng minh. \u0110\u1ed3ng th\u1eddi, ch\u00fang ta c\u0169ng s\u1ebd \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c th\u00fa v\u1ecb m\u00e0 ng\u00e0nh ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ed1i ph\u00f3 \u0111\u1ec3 th\u1ef1c hi\u1ec7n s\u1ef1 chuy\u1ec3n \u0111\u1ed5i n\u00e0y. H\u00e3y chu\u1ea9n b\u1ecb m\u00ecnh cho m\u1ed9t cu\u1ed9c phi\u00eau l\u01b0u s\u1ed1 h\u00f3a \u0111\u1ea7y h\u1ee9a h\u1eb9n trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 c\u00f9ng kh\u00e1m ph\u00e1 nh\u1eefng gi\u1ea3i ph\u00e1p th\u00fa v\u1ecb \u0111\u1ec3 th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 th\u00e0nh c\u00f4ng!<\/p>\r\n\r\n\r\n\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">M\u1ee5c L\u1ee5c<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-6637b11800550\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" 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href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Chuyen_doi_so_trong_nganh_ngan_hang_nhu_the_nao\" title=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o?\">Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Doi_moi_ky_thuat_so\" title=\"\u0110\u1ed5i m\u1edbi k\u1ef9 thu\u1eadt s\u1ed1\">\u0110\u1ed5i m\u1edbi k\u1ef9 thu\u1eadt s\u1ed1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Cai_thien_trai_nghiem_khach_hang\" title=\"C\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng\">C\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Toi_uu_hoa_quy_trinh_noi_bo\" title=\"T\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh n\u1ed9i b\u1ed9\">T\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh n\u1ed9i b\u1ed9<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Bao_mat_thong_tin\" title=\"B\u1ea3o m\u1eadt th\u00f4ng tin\">B\u1ea3o m\u1eadt th\u00f4ng tin<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Tuong_tac_da_kenh\" title=\"T\u01b0\u01a1ng t\u00e1c \u0111a k\u00eanh\">T\u01b0\u01a1ng t\u00e1c \u0111a k\u00eanh<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Chuyen_doi_so_trong_ngan_hang_mang_lai_loi_ich_gi\" title=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e2n h\u00e0ng mang l\u1ea1i l\u1ee3i \u00edch g\u00ec?\">Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e2n h\u00e0ng mang l\u1ea1i l\u1ee3i \u00edch g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Nhung_thach_thuc_cua_chuyen_doi_so_trong_nganh_ngan_hang\" title=\"Nh\u1eefng th\u00e1ch th\u1ee9c c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng\">Nh\u1eefng th\u00e1ch th\u1ee9c c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Bao_mat_va_quan_ly_rui_ro\" title=\"B\u1ea3o m\u1eadt v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro\">B\u1ea3o m\u1eadt v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Su_thay_doi_van_hoa_va_quy_trinh\" title=\"S\u1ef1 thay \u0111\u1ed5i v\u0103n h\u00f3a v\u00e0 quy tr\u00ecnh\">S\u1ef1 thay \u0111\u1ed5i v\u0103n h\u00f3a v\u00e0 quy tr\u00ecnh<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Do_tin_cay_va_phan_hoi_khach_hang\" title=\"\u0110\u1ed9 tin c\u1eady v\u00e0 ph\u1ea3n h\u1ed3i kh\u00e1ch h\u00e0ng\">\u0110\u1ed9 tin c\u1eady v\u00e0 ph\u1ea3n h\u1ed3i kh\u00e1ch h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Su_khong_dong_nhat_ve_cong_nghe\" title=\"S\u1ef1 kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t v\u1ec1 c\u00f4ng ngh\u1ec7\">S\u1ef1 kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t v\u1ec1 c\u00f4ng ngh\u1ec7<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Su_kho_khan_trong_quan_ly_du_lieu_lon\" title=\"S\u1ef1 kh\u00f3 kh\u0103n trong qu\u1ea3n l\u00fd d\u1eef li\u1ec7u l\u1edbn\">S\u1ef1 kh\u00f3 kh\u0103n trong qu\u1ea3n l\u00fd d\u1eef li\u1ec7u l\u1edbn<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Su_khang_cu_tu_khach_hang_truyen_thong\" title=\"S\u1ef1 kh\u00e1ng c\u1ef1 t\u1eeb kh\u00e1ch h\u00e0ng truy\u1ec1n th\u1ed1ng\">S\u1ef1 kh\u00e1ng c\u1ef1 t\u1eeb kh\u00e1ch h\u00e0ng truy\u1ec1n th\u1ed1ng<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Giai_phap_thuc_day_chuyen_doi_so_nganh_ngan_hang\" title=\"Gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng\">Gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/#Ket\" title=\"K\u1ebft\">K\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chuyen_doi_so_trong_nganh_ngan_hang_nhu_the_nao\"><\/span><strong>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p><a href=\"https:\/\/vtcnetviet.com\/chuyen-doi-so-trong-nganh-ngan-hang\/\">Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng<\/a> l\u00e0 qu\u00e1 tr\u00ecnh c\u1ea3i t\u1ed5 h\u1ec7 th\u1ed1ng v\u00e0 quy tr\u00ecnh truy\u1ec1n th\u1ed1ng th\u00e0nh c\u00e1c quy tr\u00ecnh k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 t\u1ed1i \u01b0u h\u00f3a ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng. Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng nh\u1eb1m n\u00e2ng cao hi\u1ec7u qu\u1ea3, t\u0103ng c\u01b0\u1eddng t\u00ednh c\u1ea1nh tranh v\u00e0 \u0111\u00e1p \u1ee9ng nhanh ch\u00f3ng v\u1edbi s\u1ef1 thay \u0111\u1ed5i c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0 y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\r\n\r\n\r\n\r\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 kh\u00eda c\u1ea1nh ch\u00ednh c\u1ee7a qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng:<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Doi_moi_ky_thuat_so\"><\/span>\u0110\u1ed5i m\u1edbi k\u1ef9 thu\u1eadt s\u1ed1<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 \u0111\u1ec3 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0: Internet Banking, Mobile Banking, \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 tr\u1ef1c tuy\u1ebfn kh\u00e1c. C\u00e1c c\u00f4ng ngh\u1ec7 nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI), blockchain v\u00e0 <a href=\"https:\/\/vtcnetviet.com\/big-data-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">big data<\/a> c\u0169ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng ph\u00e2n t\u00edch, b\u1ea3o m\u1eadt v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cai_thien_trai_nghiem_khach_hang\"><\/span>C\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 t\u1ea1o ra m\u1ed9t tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n b\u1eb1ng c\u00e1ch cung c\u1ea5p d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn ti\u1ec7n l\u1ee3i, \u0111\u01a1n gi\u1ea3n v\u00e0 d\u1ec5 s\u1eed d\u1ee5ng. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch, thanh to\u00e1n h\u00f3a \u0111\u01a1n, chuy\u1ec3n ti\u1ec1n v\u00e0 qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n t\u1eeb b\u1ea5t k\u1ef3 \u0111\u00e2u v\u00e0 b\u1ea5t k\u1ef3 thi\u1ebft b\u1ecb n\u00e0o c\u00f3 k\u1ebft n\u1ed1i Internet.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Toi_uu_hoa_quy_trinh_noi_bo\"><\/span>T\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh n\u1ed9i b\u1ed9<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 cho ph\u00e9p ng\u00e2n h\u00e0ng t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy tr\u00ecnh n\u1ed9i b\u1ed9, t\u1eeb vi\u1ec7c x\u1eed l\u00fd h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng \u0111\u1ebfn qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 b\u00e1o c\u00e1o. Vi\u1ec7c s\u1eed d\u1ee5ng t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 robot h\u00f3a gi\u00fap gi\u1ea3m thi\u1ec3u l\u1ed7i, t\u0103ng t\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd v\u00e0 gi\u1ea3m chi ph\u00ed.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bao_mat_thong_tin\"><\/span>B\u1ea3o m\u1eadt th\u00f4ng tin<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>M\u1ed9t ph\u1ea7n quan tr\u1ecdng c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1 l\u00e0 \u0111\u1ea3m b\u1ea3o an to\u00e0n th\u00f4ng tin kh\u00e1ch h\u00e0ng v\u00e0 giao d\u1ecbch t\u00e0i ch\u00ednh. Ng\u00e2n h\u00e0ng ph\u1ea3i \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o m\u1eadt ch\u1eb7t ch\u1ebd, bao g\u1ed3m m\u00e3 h\u00f3a d\u1eef li\u1ec7u, x\u00e1c th\u1ef1c hai y\u1ebfu t\u1ed1 v\u00e0 gi\u00e1m s\u00e1t li\u00ean t\u1ee5c \u0111\u1ec3 ng\u0103n ch\u1eb7n c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng v\u00e0 r\u00f2 r\u1ec9 th\u00f4ng tin.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tuong_tac_da_kenh\"><\/span>T\u01b0\u01a1ng t\u00e1c \u0111a k\u00eanh<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 cho ph\u00e9p kh\u00e1ch h\u00e0ng t\u01b0\u01a1ng t\u00e1c v\u1edbi ng\u00e2n h\u00e0ng th\u00f4ng qua nhi\u1ec1u k\u00eanh kh\u00e1c nhau nh\u01b0 \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng, m\u00e1y t\u00ednh b\u1ea3ng, m\u00e1y t\u00ednh c\u00e1 nh\u00e2n v\u00e0 c\u00e1c k\u00eanh truy\u1ec1n th\u00f4ng x\u00e3 h\u1ed9i. \u0110i\u1ec1u n\u00e0y mang l\u1ea1i s\u1ef1 linh ho\u1ea1t v\u00e0 thu\u1eadn ti\u1ec7n cho kh\u00e1ch h\u00e0ng khi giao d\u1ecbch v\u00e0 li\u00ean h\u1ec7 v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\r\n\r\n\r\n\r\n<p>Qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh ph\u1ee9c t\u1ea1p v\u00e0 \u0111\u00f2i h\u1ecfi s\u1ef1 \u0111\u1ea7u t\u01b0 v\u1ec1 ngu\u1ed3n l\u1ef1c v\u00e0 th\u1eddi gian. Tuy nhi\u00ean, v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00e0 t\u0103ng c\u01b0\u1eddng nh\u1eadn th\u1ee9c v\u1ec1 l\u1ee3i \u00edch c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1, nhi\u1ec1u ng\u00e2n h\u00e0ng tr\u00ean th\u1ebf gi\u1edbi \u0111ang ti\u1ebfn h\u00e0nh qu\u00e1 tr\u00ecnh n\u00e0y \u0111\u1ec3 n\u00e2ng cao n\u0103ng l\u1ef1c c\u1ea1nh tranh v\u00e0 ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n.<\/p>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><img decoding=\"async\" class=\"wp-image-4758\" title=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o?\" src=\"https:\/\/vtcnetviet.com\/wp-content\/uploads\/2023\/05\/chuyen-doi-so-trong-nganh-ngan-hang.jpg\" alt=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o?\" \/><\/figure><\/div>\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chuyen_doi_so_trong_ngan_hang_mang_lai_loi_ich_gi\"><\/span><strong>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e2n h\u00e0ng mang l\u1ea1i l\u1ee3i \u00edch g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch quan tr\u1ecdng, bao g\u1ed3m:<\/p>\r\n\r\n\r\n\r\n<ul>\r\n<li><strong>Tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n:<\/strong> Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng tr\u1ea3i nghi\u1ec7m ng\u00e2n h\u00e0ng ti\u1ec7n l\u1ee3i v\u00e0 linh ho\u1ea1t h\u01a1n. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng 24\/7 t\u1eeb b\u1ea5t k\u1ef3 \u0111\u00e2u v\u00e0 b\u1ea5t k\u1ef3 thi\u1ebft b\u1ecb n\u00e0o c\u00f3 k\u1ebft n\u1ed1i Internet. H\u1ecd c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch, qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n, thanh to\u00e1n h\u00f3a \u0111\u01a1n v\u00e0 chuy\u1ec3n ti\u1ec1n m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng, gi\u00fap ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c.<\/li>\r\n\r\n\r\n\r\n<li><strong>T\u0103ng c\u01b0\u1eddng t\u00ednh c\u1ea1nh tranh:<\/strong> Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 gi\u00fap ng\u00e2n h\u00e0ng n\u00e2ng cao t\u00ednh c\u1ea1nh tranh trong th\u1ecb tr\u01b0\u1eddng. B\u1eb1ng c\u00e1ch cung c\u1ea5p d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 thu h\u00fat v\u00e0 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng, c\u1ea3i thi\u1ec7n danh ti\u1ebfng v\u00e0 t\u0103ng doanh s\u1ed1. \u0110\u1ed3ng th\u1eddi, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 m\u1edbi, nh\u01b0 thanh to\u00e1n di \u0111\u1ed9ng, giao d\u1ecbch tr\u00ean blockchain v\u00e0 cho vay ngang h\u00e0ng (peer-to-peer lending).<\/li>\r\n\r\n\r\n\r\n<li><strong>T\u1ed1i \u01b0u h\u00f3a ho\u1ea1t \u0111\u1ed9ng n\u1ed9i b\u1ed9:<\/strong> Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 gi\u00fap ng\u00e2n h\u00e0ng t\u1ed1i \u01b0u h\u00f3a c\u00e1c quy tr\u00ecnh n\u1ed9i b\u1ed9, t\u1eeb x\u1eed l\u00fd h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng, qu\u1ea3n l\u00fd r\u1ee7i ro, \u0111\u1ebfn b\u00e1o c\u00e1o t\u00e0i ch\u00ednh. S\u1eed d\u1ee5ng t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 c\u00f4ng ngh\u1ec7 th\u00f4ng tin, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 gi\u1ea3m thi\u1ec3u l\u1ed7i, t\u0103ng t\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd v\u00e0 gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng. \u0110i\u1ec1u n\u00e0y mang l\u1ea1i hi\u1ec7u qu\u1ea3 v\u00e0 hi\u1ec7u su\u1ea5t cao h\u01a1n trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, v\u1ed1n v\u00e0 d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng.<\/li>\r\n\r\n\r\n\r\n<li><strong>T\u0103ng c\u01b0\u1eddng b\u1ea3o m\u1eadt v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro:<\/strong> Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng ch\u00fa tr\u1ecdng \u0111\u1ebfn b\u1ea3o m\u1eadt th\u00f4ng tin v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro. C\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i nh\u01b0 m\u00e3 h\u00f3a d\u1eef li\u1ec7u, x\u00e1c th\u1ef1c hai y\u1ebfu t\u1ed1 v\u00e0 gi\u00e1m s\u00e1t li\u00ean t\u1ee5c gi\u00fap ng\u0103n ch\u1eb7n c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng v\u00e0 r\u00f2 r\u1ec9 th\u00f4ng tin. H\u01a1n n\u1eefa, vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 gi\u00fap ng\u00e2n h\u00e0ng t\u1ed5 ch\u1ee9c v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3, t\u1eeb \u0111\u00f3 c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ph\u00e1t hi\u1ec7n v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro t\u00e0i ch\u00ednh.<\/li>\r\n\r\n\r\n\r\n<li><strong>T\u1ea1o ra ki\u1ebfn th\u1ee9c ph\u00e2n t\u00edch:<\/strong> Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 cung c\u1ea5p cho ng\u00e2n h\u00e0ng kh\u1ea3 n\u0103ng thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u phong ph\u00fa. B\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 big data, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1ea1o ra ki\u1ebfn th\u1ee9c ph\u00e2n t\u00edch s\u00e2u h\u01a1n v\u1ec1 h\u00e0nh vi kh\u00e1ch h\u00e0ng, xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng v\u00e0 hi\u1ec7u su\u1ea5t t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y gi\u00fap ng\u00e2n h\u00e0ng \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c th\u00f4ng minh v\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u1ed1t h\u01a1n cho kh\u00e1ch h\u00e0ng.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>T\u00f3m l\u1ea1i, chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng, bao g\u1ed3m tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n, t\u00ednh c\u1ea1nh tranh m\u1ea1nh h\u01a1n, ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3 h\u01a1n, b\u1ea3o m\u1eadt t\u1ed1t h\u01a1n v\u00e0 s\u1ef1 ph\u00e2n t\u00edch th\u00f4ng minh.<\/p>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><img decoding=\"async\" class=\"wp-image-4757\" title=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e2n h\u00e0ng mang l\u1ea1i l\u1ee3i \u00edch g\u00ec?\" src=\"https:\/\/vtcnetviet.com\/wp-content\/uploads\/2023\/05\/chuyen-doi-so-nganh-ngan-hang.jpeg\" alt=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e2n h\u00e0ng mang l\u1ea1i l\u1ee3i \u00edch g\u00ec?\" \/><\/figure><\/div>\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nhung_thach_thuc_cua_chuyen_doi_so_trong_nganh_ngan_hang\"><\/span><strong>Nh\u1eefng th\u00e1ch th\u1ee9c c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 kh\u00f4ng h\u1ec1 \u0111\u01a1n gi\u1ea3n \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng khi g\u1eb7p ph\u1ea3i r\u1ea5t nhi\u1ec1u r\u00e0o c\u1ea3n, kh\u00f3 kh\u0103n, th\u00e1ch th\u1ee9c ph\u1ea3i \u0111\u1ed1i m\u1eb7t. Hi\u1ec7n nay, c\u00f3 th\u1ec3 th\u1ea5y nh\u1eefng kh\u00f3 kh\u0103n khi chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng nh\u01b0:<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bao_mat_va_quan_ly_rui_ro\"><\/span>B\u1ea3o m\u1eadt v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>V\u1edbi vi\u1ec7c t\u0103ng c\u01b0\u1eddng s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0 truy\u1ec1n th\u00f4ng tr\u1ef1c tuy\u1ebfn, ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c m\u1ed1i \u0111e d\u1ecda v\u1ec1 an ninh m\u1ea1ng v\u00e0 r\u1ee7i ro li\u00ean quan \u0111\u1ebfn vi\u1ec7c x\u1eed l\u00fd v\u00e0 l\u01b0u tr\u1eef d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng. B\u1ea3o m\u1eadt th\u00f4ng tin v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro tr\u1edf th\u00e0nh m\u1ed9t nhi\u1ec7m v\u1ee5 c\u1ea5p b\u00e1ch trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Su_thay_doi_van_hoa_va_quy_trinh\"><\/span>S\u1ef1 thay \u0111\u1ed5i v\u0103n h\u00f3a v\u00e0 quy tr\u00ecnh<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 y\u00eau c\u1ea7u s\u1ef1 thay \u0111\u1ed5i v\u0103n h\u00f3a v\u00e0 quy tr\u00ecnh trong ng\u00e2n h\u00e0ng. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 kh\u00f3 kh\u0103n trong vi\u1ec7c thay \u0111\u1ed5i t\u01b0 duy v\u00e0 th\u00f3i quen l\u00e0m vi\u1ec7c truy\u1ec1n th\u1ed1ng. Ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o r\u1eb1ng nh\u00e2n vi\u00ean \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o v\u00e0 chu\u1ea9n b\u1ecb ph\u00f9 h\u1ee3p \u0111\u1ec3 th\u00edch \u1ee9ng v\u1edbi s\u1ef1 thay \u0111\u1ed5i v\u00e0 t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Do_tin_cay_va_phan_hoi_khach_hang\"><\/span>\u0110\u1ed9 tin c\u1eady v\u00e0 ph\u1ea3n h\u1ed3i kh\u00e1ch h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1, ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ec7 th\u1ed1ng k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a h\u1ecd ho\u1ea1t \u0111\u1ed9ng m\u1ed9t c\u00e1ch \u0111\u00e1ng tin c\u1eady v\u00e0 kh\u00e1ch h\u00e0ng nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ea3n h\u1ed3i nhanh ch\u00f3ng. S\u1ef1 c\u1ed1 k\u1ef9 thu\u1eadt c\u00f3 th\u1ec3 g\u00e2y \u1ea3nh h\u01b0\u1edfng nghi\u00eam tr\u1ecdng \u0111\u1ebfn ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 uy t\u00edn c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Su_khong_dong_nhat_ve_cong_nghe\"><\/span>S\u1ef1 kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t v\u1ec1 c\u00f4ng ngh\u1ec7<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Trong m\u1ed9t ng\u00e0nh c\u00f3 nhi\u1ec1u ng\u00e2n h\u00e0ng v\u00e0 h\u1ec7 th\u1ed1ng kh\u00e1c nhau, vi\u1ec7c \u0111\u1ea3m b\u1ea3o s\u1ef1 t\u01b0\u01a1ng th\u00edch v\u00e0 t\u00edch h\u1ee3p gi\u1eefa c\u00e1c h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 kh\u00e1c nhau c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c. \u0110i\u1ec1u n\u00e0y \u0111\u00f2i h\u1ecfi s\u1ef1 c\u1ed9ng t\u00e1c v\u00e0 ti\u00eau chu\u1ea9n h\u00f3a \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh li\u00ean k\u1ebft v\u00e0 kh\u1ea3 n\u0103ng t\u01b0\u01a1ng t\u00e1c gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Su_kho_khan_trong_quan_ly_du_lieu_lon\"><\/span>S\u1ef1 kh\u00f3 kh\u0103n trong qu\u1ea3n l\u00fd d\u1eef li\u1ec7u l\u1edbn<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 t\u1ea1o ra l\u01b0\u1ee3ng d\u1eef li\u1ec7u l\u1edbn t\u1eeb c\u00e1c ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1. \u0110i\u1ec1u n\u00e0y \u0111\u00f2i h\u1ecfi ng\u00e2n h\u00e0ng ph\u1ea3i c\u00f3 kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd, l\u01b0u tr\u1eef, x\u1eed l\u00fd v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u hi\u1ec7u qu\u1ea3. S\u1ef1 kh\u00f3 kh\u0103n trong vi\u1ec7c qu\u1ea3n l\u00fd d\u1eef li\u1ec7u l\u1edbn c\u00f3 th\u1ec3 g\u00e2y ra v\u1ea5n \u0111\u1ec1 v\u1ec1 hi\u1ec7u su\u1ea5t v\u00e0 an ninh th\u00f4ng tin.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Su_khang_cu_tu_khach_hang_truyen_thong\"><\/span>S\u1ef1 kh\u00e1ng c\u1ef1 t\u1eeb kh\u00e1ch h\u00e0ng truy\u1ec1n th\u1ed1ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>M\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng truy\u1ec1n th\u1ed1ng c\u00f3 th\u1ec3 kh\u00f4ng quen thu\u1ed9c ho\u1eb7c kh\u00f4ng mu\u1ed1n s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1. \u0110i\u1ec1u n\u00e0y \u0111\u00f2i h\u1ecfi ng\u00e2n h\u00e0ng ph\u1ea3i cung c\u1ea5p s\u1ef1 h\u1ed7 tr\u1ee3 v\u00e0 gi\u00e1o d\u1ee5c cho kh\u00e1ch h\u00e0ng \u0111\u1ec3 khuy\u1ebfn kh\u00edch h\u1ecd chuy\u1ec3n t\u1eeb giao d\u1ecbch truy\u1ec1n th\u1ed1ng sang giao d\u1ecbch k\u1ef9 thu\u1eadt s\u1ed1.<\/p>\r\n\r\n\r\n\r\n<p>T\u1ed5ng h\u1ee3p l\u1ea1i, chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch, nh\u01b0ng c\u0169ng \u0111\u1eb7t ra nhi\u1ec1u th\u00e1ch th\u1ee9c trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o b\u1ea3o m\u1eadt, thay \u0111\u1ed5i v\u0103n h\u00f3a, \u0111\u1ed9 tin c\u1eady h\u1ec7 th\u1ed1ng, t\u00edch h\u1ee3p c\u00f4ng ngh\u1ec7, qu\u1ea3n l\u00fd d\u1eef li\u1ec7u v\u00e0 thay \u0111\u1ed5i th\u00f3i quen c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><img decoding=\"async\" class=\"wp-image-4759\" title=\"Gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng\" src=\"https:\/\/vtcnetviet.com\/wp-content\/uploads\/2023\/05\/giai-phap-chuyen-doi-so-trong-ngan-hang.jpg\" alt=\"Gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng\" \/><\/figure><\/div>\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Giai_phap_thuc_day_chuyen_doi_so_nganh_ngan_hang\"><\/span><strong>Gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>\u0110\u1ec3 th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng, d\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p quan tr\u1ecdng:<\/p>\r\n\r\n\r\n\r\n<ul>\r\n<li><strong>X\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1:<\/strong> Ng\u00e2n h\u00e0ng c\u1ea7n x\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau v\u00e0 chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 r\u00f5 r\u00e0ng. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m vi\u1ec7c \u0111\u00e1nh gi\u00e1 t\u00ecnh tr\u1ea1ng hi\u1ec7n t\u1ea1i, x\u00e1c \u0111\u1ecbnh \u01b0u ti\u00ean v\u00e0 t\u1ea1o ra k\u1ebf ho\u1ea1ch tri\u1ec3n khai. Chi\u1ebfn l\u01b0\u1ee3c n\u00ean \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p v\u00e0 li\u00ean k\u1ebft ch\u1eb7t ch\u1ebd v\u1edbi m\u1ee5c ti\u00eau chi\u1ebfn l\u01b0\u1ee3c v\u00e0 ph\u00e1t tri\u1ec3n d\u00e0i h\u1ea1n c\u1ee7a ng\u00e2n h\u00e0ng.<\/li>\r\n\r\n\r\n\r\n<li><strong>\u0110\u1ea7u t\u01b0 v\u00e0o h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7:<\/strong> Ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1ea7u t\u01b0 v\u00e0o h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i \u0111\u1ec3 x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 m\u1ea1nh m\u1ebd. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m vi\u1ec7c c\u1eadp nh\u1eadt v\u00e0 m\u1edf r\u1ed9ng h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd th\u00f4ng tin, n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng m\u1ea1ng v\u00e0 b\u1ea3o m\u1eadt, v\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, blockchain v\u00e0 <a href=\"https:\/\/vtcnetviet.com\/iot-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">Internet of Things<\/a>.<\/li>\r\n\r\n\r\n\r\n<li><strong>X\u00e2y d\u1ef1ng tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1:<\/strong> Ng\u00e2n h\u00e0ng c\u1ea7n t\u1eadp trung v\u00e0o vi\u1ec7c cung c\u1ea5p tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 t\u1ed1t nh\u1ea5t c\u00f3 th\u1ec3. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m vi\u1ec7c ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, giao di\u1ec7n ng\u01b0\u1eddi d\u00f9ng th\u00e2n thi\u1ec7n, v\u00e0 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u1ef1 \u0111\u1ed9ng nh\u01b0 thanh to\u00e1n \u0111i\u1ec7n t\u1eed, t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn v\u00e0 chuy\u1ec3n ti\u1ec1n nhanh.<\/li>\r\n\r\n\r\n\r\n<li><strong>\u0110\u00e0o t\u1ea1o v\u00e0 ph\u00e1t tri\u1ec3n nh\u00e2n vi\u00ean:<\/strong> Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 y\u00eau c\u1ea7u nh\u00e2n vi\u00ean c\u00f3 ki\u1ebfn th\u1ee9c v\u00e0 k\u1ef9 n\u0103ng k\u1ef9 thu\u1eadt s\u1ed1. Ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1ea7u t\u01b0 v\u00e0o \u0111\u00e0o t\u1ea1o v\u00e0 ph\u00e1t tri\u1ec3n nh\u00e2n vi\u00ean \u0111\u1ec3 h\u1ecd c\u00f3 th\u1ec3 hi\u1ec3u v\u00e0 s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3 c\u00f4ng ngh\u1ec7 m\u1edbi. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m ch\u01b0\u01a1ng tr\u00ecnh \u0111\u00e0o t\u1ea1o li\u00ean t\u1ee5c, h\u1ed7 tr\u1ee3 t\u1eeb c\u00e1c chuy\u00ean gia c\u00f4ng ngh\u1ec7, v\u00e0 khuy\u1ebfn kh\u00edch s\u1ef1 h\u1ecdc t\u1eadp v\u00e0 th\u00edch nghi.<\/li>\r\n\r\n\r\n\r\n<li><strong>T\u1ea1o \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7:<\/strong> Ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7 \u0111\u1ec3 t\u1eadn d\u1ee5ng kh\u1ea3 n\u0103ng v\u00e0 ki\u1ebfn th\u1ee9c c\u1ee7a h\u1ecd. \u0110\u1ed1i t\u00e1c c\u00f3 th\u1ec3 cung c\u1ea5p gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn, d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd h\u1ea1 t\u1ea7ng, v\u00e0 h\u1ed7 tr\u1ee3 tri\u1ec3n khai chuy\u1ec3n \u0111\u1ed5i s\u1ed1. Vi\u1ec7c h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 \u0111\u00e3 c\u00f3 kinh nghi\u1ec7m v\u00e0 \u0111\u1ed9i ng\u0169 chuy\u00ean gia c\u00f3 th\u1ec3 gi\u00fap ng\u00e2n h\u00e0ng th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/li>\r\n\r\n\r\n\r\n<li><strong>T\u0103ng c\u01b0\u1eddng an ninh v\u00e0 tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh:<\/strong> Ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1ea3m b\u1ea3o an ninh th\u00f4ng tin v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m vi\u1ec7c tri\u1ec3n khai c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o m\u1eadt c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn, gi\u00e1m s\u00e1t li\u00ean t\u1ee5c v\u00e0 h\u1ec7 th\u1ed1ng ki\u1ec3m tra, c\u0169ng nh\u01b0 tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh v\u00e0 chu\u1ea9n m\u1ef1c an ninh \u0111\u01b0\u1ee3c \u0111\u1ec1 ra b\u1edfi c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd.<\/li>\r\n\r\n\r\n\r\n<li><strong>T\u1ea1o s\u1ef1 k\u1ebft n\u1ed1i v\u00e0 t\u01b0\u01a1ng t\u00e1c v\u1edbi kh\u00e1ch h\u00e0ng:<\/strong> Ng\u00e2n h\u00e0ng n\u00ean t\u1ea1o s\u1ef1 k\u1ebft n\u1ed1i v\u00e0 t\u01b0\u01a1ng t\u00e1c t\u00edch c\u1ef1c v\u1edbi kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m vi\u1ec7c s\u1eed d\u1ee5ng m\u1ea1ng x\u00e3 h\u1ed9i, d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng tr\u1ef1c tuy\u1ebfn v\u00e0 giao ti\u1ebfp qua email ho\u1eb7c tin nh\u1eafn. Vi\u1ec7c t\u01b0\u01a1ng t\u00e1c t\u00edch c\u1ef1c v\u1edbi kh\u00e1ch h\u00e0ng gi\u00fap x\u00e2y d\u1ef1ng l\u00f2ng tin v\u00e0 t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng.<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>T\u1ed5ng h\u1ee3p l\u1ea1i, \u0111\u1ec3 th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng, c\u1ea7n x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c, \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7, x\u00e2y d\u1ef1ng tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng t\u1ed1t, \u0111\u00e0o t\u1ea1o nh\u00e2n vi\u00ean, t\u1ea1o \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7, t\u0103ng c\u01b0\u1eddng an ninh v\u00e0 tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh, t\u1ea1o s\u1ef1 k\u1ebft n\u1ed1i v\u00e0 t\u01b0\u01a1ng t\u00e1c v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ket\"><\/span><strong>K\u1ebft<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>Trong b\u00e0i vi\u1ebft tr\u00ean, ch\u00fang ta \u0111\u00e3 kh\u00e1m ph\u00e1 v\u1ec1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 nh\u1eefng l\u1ee3i \u00edch m\u00e0 n\u00f3 mang l\u1ea1i. Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 kh\u00f4ng ch\u1ec9 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng, m\u00e0 c\u00f2n \u0111\u1ea3m b\u1ea3o t\u00ednh c\u1ea1nh tranh, hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro t\u00e0i ch\u00ednh. N\u00f3 cung c\u1ea5p cho ng\u00e2n h\u00e0ng kh\u1ea3 n\u0103ng t\u1ea1o ra ki\u1ebfn th\u1ee9c ph\u00e2n t\u00edch s\u00e2u h\u01a1n v\u00e0 quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c th\u00f4ng minh.<\/p>\r\n\r\n\r\n\r\n<p>Tuy nhi\u00ean, chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u0169ng \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c, bao g\u1ed3m b\u1ea3o m\u1eadt v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro, thay \u0111\u1ed5i v\u0103n h\u00f3a v\u00e0 quy tr\u00ecnh, \u0111\u1ed9 tin c\u1eady v\u00e0 ph\u1ea3n h\u1ed3i kh\u00e1ch h\u00e0ng, s\u1ef1 kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t v\u1ec1 c\u00f4ng ngh\u1ec7, kh\u00f3 kh\u0103n trong qu\u1ea3n l\u00fd d\u1eef li\u1ec7u l\u1edbn v\u00e0 s\u1ef1 kh\u00e1ng c\u1ef1 t\u1eeb kh\u00e1ch h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\r\n\r\n\r\n\r\n<p>\u0110\u1ec3 th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng, c\u1ea7n x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c r\u00f5 r\u00e0ng, \u0111\u1ea7u t\u01b0 v\u00e0o h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7, x\u00e2y d\u1ef1ng tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1, \u0111\u00e0o t\u1ea1o v\u00e0 ph\u00e1t tri\u1ec3n nh\u00e2n vi\u00ean, t\u1ea1o \u0111\u1ed1i t\u00e1c c\u00f4ng ngh\u1ec7, t\u0103ng c\u01b0\u1eddng an ninh v\u00e0 tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh, t\u1ea1o s\u1ef1 k\u1ebft n\u1ed1i v\u00e0 t\u01b0\u01a1ng t\u00e1c v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\r\n\r\n\r\n\r\n<p>V\u1edbi vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c gi\u1ea3i ph\u00e1p n\u00e0y, ng\u00e0nh ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ti\u1ebfn xa tr\u00ean con \u0111\u01b0\u1eddng chuy\u1ec3n \u0111\u1ed5i s\u1ed1, t\u1eadn d\u1ee5ng c\u00e1c l\u1ee3i \u00edch v\u00e0 v\u01b0\u1ee3t qua c\u00e1c th\u00e1ch th\u1ee9c, t\u1ea1o ra m\u1ed9t m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 ti\u00ean ti\u1ebfn v\u00e0 \u0111\u00e1ng tin c\u1eady, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ng\u00e0y c\u00e0ng cao c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1ecbnh h\u00ecnh l\u1ea1i c\u00e1ch ng\u00e0nh ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng trong t\u01b0\u01a1ng lai.<\/p>\r\n\r\n\r\n\r\n<p style=\"text-align: right;\">Website: <a href=\"https:\/\/vtcnetviet.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/vtcnetviet.com\/<\/a><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea1n \u0111\u00e3 s\u1eb5n s\u00e0ng kh\u00e1m ph\u00e1 c\u00e1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 \u0111ang thay \u0111\u1ed5i ng\u00e0nh ng\u00e2n h\u00e0ng? Trong b\u00e0i vi\u1ebft n\u00e0y,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1465,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[9,3],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/posts\/1464"}],"collection":[{"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/comments?post=1464"}],"version-history":[{"count":3,"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/posts\/1464\/revisions"}],"predecessor-version":[{"id":1538,"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/posts\/1464\/revisions\/1538"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/media\/1465"}],"wp:attachment":[{"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/media?parent=1464"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/categories?post=1464"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vtcnetviet.com\/wp-json\/wp\/v2\/tags?post=1464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}