{"id":1104,"date":"2020-03-27T15:42:56","date_gmt":"2020-03-27T08:42:56","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=1104"},"modified":"2020-03-27T15:42:56","modified_gmt":"2020-03-27T08:42:56","slug":"thanh-toan-bang-ma-qr-sap-bung-no","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/thanh-toan-bang-ma-qr-sap-bung-no\/","title":{"rendered":"Thanh to\u00e1n b\u1eb1ng m\u00e3 QR s\u1eafp b\u00f9ng n\u1ed5"},"content":{"rendered":"

Theo m\u1ed9t th\u1ed1ng k\u00ea, t\u00ednh n\u0103ng thanh to\u00e1n b\u1eb1ng m\u00e3 QR hi\u1ec7n \u0111\u01b0\u1ee3c 18 ng\u00e2n h\u00e0ng nh\u01b0 BIDV, VPBank, Vietcombank, VietinBank, Agribank, TPBank, Maritime Bank, SCB, SHB\u2026 tri\u1ec3n khai; tr\u00ean 20.000 \u0111i\u1ec3m s\u1eed d\u1ee5ng m\u00e3 QR theo chu\u1ea9n chung c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng, v\u1edbi h\u01a1n 8 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng. L\u1ee3i \u00edch v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng, doanh nghi\u1ec7p l\u1eabn ng\u00e2n h\u00e0ng s\u1ebd gi\u00fap m\u00e3 QR (QR Code) tr\u1edf th\u00e0nh xu h\u01b0\u1edbng t\u1ea1i Vi\u1ec7t Nam trong n\u0103m 2019.<\/span><\/h2>\n

Th\u1ed1ng k\u00ea c\u1ee7a B\u1ed9 Th\u00f4ng tin v\u00e0 Truy\u1ec1n th\u00f4ng cho th\u1ea5y, t\u00ednh \u0111\u1ebfn th\u00e1ng 6\/2018, Vi\u1ec7t Nam c\u00f3 kho\u1ea3ng 136 tri\u1ec7u thu\u00ea bao di \u0111\u1ed9ng, t\u0103ng 10,28% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2017, trong \u0111\u00f3 thu\u00ea bao 4G t\u0103ng 53%.<\/span><\/p>\n

Theo \u0111\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c chuy\u00ean gia, con s\u1ed1 n\u00e0y s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng trong th\u1eddi gian t\u1edbi, \u0111\u00e2y ch\u00ednh l\u00e0 c\u01a1 h\u1ed9i ti\u1ec1m n\u0103ng \u0111\u1ec3 QR Code ph\u00e1t tri\u1ec3n t\u1ea1i Vi\u1ec7t Nam.<\/span><\/p>\n

Ng\u00e2n h\u00e0ng\u00a0\u00e0o \u1ea1t tri\u1ec3n khai<\/strong><\/span><\/p>\n

Th\u1ef1c t\u1ebf trong n\u0103m 2018 ch\u1ee9ng ki\u1ebfn m\u1ee9c t\u0103ng tr\u01b0\u1edfng v\u01b0\u1ee3t b\u1eadc v\u1ec1 l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng c\u0169ng nh\u01b0 doanh thu m\u00e0 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n n\u00e0y mang l\u1ea1i.<\/span><\/p>\n

\u00d4ng Tr\u1ea7n Tr\u00ed M\u1ea1nh, \u0111\u1ea1i di\u1ec7n CTCP Gi\u1ea3i ph\u00e1p thanh to\u00e1n Vi\u1ec7t Nam (VNPAY), cho bi\u1ebft Vi\u1ec7t Nam hi\u1ec7n c\u00f3 h\u01a1n 20.000 c\u1eeda h\u00e0ng (merchants) ch\u1ea5p nh\u1eadn thanh to\u00e1n b\u1eb1ng VNPAY-QR v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng ng\u01b0\u1eddi d\u00f9ng l\u00ean t\u1edbi 30% m\u1ed7i th\u00e1ng.<\/span><\/p>\n

S\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea kho\u1ea3ng 3 th\u00e1ng g\u1ea7n \u0111\u00e2y c\u1ee7a Maritime Bank c\u0169ng cho th\u1ea5y t\u1ed5ng doanh s\u1ed1 thanh to\u00e1n qua ph\u01b0\u01a1ng th\u1ee9c n\u00e0y \u01b0\u1edbc t\u00ednh b\u00ecnh qu\u00e2n tr\u00ean 300 t\u1ef7 \u0111\u1ed3ng\/th\u00e1ng, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng tr\u00ean 26,2%\/th\u00e1ng.<\/span><\/p>\n

Theo c\u00e1c chuy\u00ean gia t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng, so v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n th\u1ebb t\u00edn d\u1ee5ng th\u00f4ng th\u01b0\u1eddng, \u0111i\u1ec3m n\u1ed5i b\u1eadt c\u1ee7a QR Code l\u00e0 b\u00ean c\u1ea1nh vi\u1ec7c ng\u01b0\u1eddi d\u00f9ng kh\u00f4ng c\u1ea7n ph\u1ea3i mang theo th\u1ebb b\u00ean ng\u01b0\u1eddi, QR Code c\u00f2n gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c b\u00e0i to\u00e1n v\u1ec1 m\u1ea5t an to\u00e0n khi thanh to\u00e1n qua th\u1ebb t\u00edn d\u1ee5ng.<\/span><\/p>\n

\u00d4ng Hu\u1ef3nh B\u1eedu Quang, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Maritime Bank, cho bi\u1ebft thanh to\u00e1n b\u1eb1ng m\u00e3 QR \u0111ang tr\u1edf th\u00e0nh xu h\u01b0\u1edbng m\u1edbi, \u0111ang \u0111\u01b0\u1ee3c nhi\u1ec1u n\u01b0\u1edbc \u00e1p d\u1ee5ng. Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n n\u00e0y \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 an to\u00e0n, \u0111\u01a1n gi\u1ea3n, d\u1ec5 s\u1eed d\u1ee5ng. Ch\u1ec9 c\u1ea7n m\u1ea5t v\u00e0i gi\u00e2y l\u00e0 c\u00f3 th\u1ec3 ho\u00e0n t\u1ea5t giao d\u1ecbch chuy\u1ec3n kho\u1ea3n, thanh to\u00e1n h\u00f3a \u0111\u01a1n, mua h\u00e0ng cho nhi\u1ec1u d\u1ecbch v\u1ee5 \u0111a d\u1ea1ng \u1edf nh\u00e0 h\u00e0ng, si\u00eau th\u1ecb, c\u1eeda h\u00e0ng, taxi, mua s\u1eafm online\u2026 m\u00e0 kh\u00f4ng c\u1ea7n d\u00f9ng ti\u1ec1n m\u1eb7t, kh\u00f4ng lo l\u1ed9 th\u00f4ng tin th\u1ebb.<\/span><\/p>\n

Th\u1eddi gian qua, c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n, ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i m\u1ea1nh tay khuy\u1ebfn m\u00e3i, gi\u1ea3m gi\u00e1 cho ng\u01b0\u1eddi d\u00f9ng khi thanh to\u00e1n qua QR Code, gi\u00fap ph\u01b0\u01a1ng th\u1ee9c n\u00e0y ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn.<\/span><\/p>\n

Ch\u1eb3ng h\u1ea1n, Eximbank, Sacombank, Maritime Bank\u2026 \u0111ang \u00e1p d\u1ee5ng khuy\u1ebfn m\u00e3i gi\u1ea3m gi\u00e1 10-20% tr\u00ean t\u1ed5ng h\u00f3a \u0111\u01a1n.<\/span><\/p>\n

Theo c\u00e1c chuy\u00ean gia, hi\u1ec7n nay, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 nhi\u1ec1u doanh nghi\u1ec7p \u0111ang t\u1eadp trung ph\u00e1t tri\u1ec3n h\u1ea1 t\u1ea7ng thanh to\u00e1n di \u0111\u1ed9ng, trong \u0111\u00f3 qu\u00e9t m\u00e3 b\u1eb1ng QR Code \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd b\u00f9ng n\u1ed5 t\u1ea1i Vi\u1ec7t Nam.<\/span><\/p>\n

\n

L\u00e3nh \u0111\u1ea1o m\u1ed9t ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n cho bi\u1ebft, m\u1ea1ng l\u01b0\u1edbi \u0111i\u1ec3m ch\u1ea5p nh\u1eadn thanh to\u00e1n QR code hi\u1ec7n m\u1edbi chi\u1ebfm 10% t\u1ed5ng ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 t\u1ef7 l\u1ec7 n\u00e0y \u0111ang ti\u1ebfp t\u1ee5c gia t\u0103ng. Trong khi \u0111\u00f3, hi\u1ec7n nay, s\u1ed1 l\u01b0\u1ee3ng m\u00e1y ATM \u0111\u00e3 l\u00ean \u0111\u1ebfn 18.000 v\u00e0 s\u1ed1 l\u01b0\u1ee3ng th\u1ebb ho\u1ea1t \u0111\u1ed9ng l\u00e0 87 tri\u1ec7u th\u1ebb ATM. S\u1ed1 l\u01b0\u1ee3ng m\u00e1y POS c\u0169ng t\u0103ng h\u01a1n 23% so v\u1edbi cu\u1ed1i n\u0103m 2016.<\/span><\/p>\n

\u201c\u0110\u00e2y c\u0169ng ch\u00ednh l\u00e0 \u0111i\u1ec3m h\u1ea1n ch\u1ebf khi s\u1ed1 ng\u01b0\u1eddi d\u00f9ng Mobile Banking, v\u00ed \u0111i\u1ec7n t\u1eed\u2026 \u00edt h\u01a1n nhi\u1ec1u so v\u1edbi l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng d\u00f9ng th\u1ebb ng\u00e2n h\u00e0ng c\u00e1c lo\u1ea1i\u201d, v\u1ecb n\u00e0y n\u00f3i.<\/span><\/p>\n

Chu\u1ea9n b\u1ecb\u00a0b\u1ee9t t\u1ed1c<\/strong><\/span><\/p>\n

\u0110\u1ea1i di\u1ec7n nhi\u1ec1u ng\u00e2n h\u00e0ng nh\u1eadn x\u00e9t, v\u1edbi nhi\u1ec1u \u01b0u \u0111i\u1ec3m v\u01b0\u1ee3t tr\u1ed9i h\u01a1n so v\u1edbi thanh to\u00e1n b\u1eb1ng th\u1ebb, \u0111\u1eb7c bi\u1ec7t l\u00e0 xu h\u01b0\u1edbng ti\u1ec7n d\u1ee5ng \u0111ang \u0111\u01b0\u1ee3c gi\u1edbi tr\u1ebb \u01b0a d\u00f9ng th\u00ec trong t\u01b0\u01a1ng lai, thanh to\u00e1n b\u1eb1ng m\u00e3 QR s\u1ebd b\u1ee9t t\u1ed1c, t\u0103ng tr\u01b0\u1edfng v\u01b0\u1ee3t b\u1eadc so v\u1edbi c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t kh\u00e1c.<\/span><\/p>\n

C\u00e1c chuy\u00ean gia d\u1ef1 b\u00e1o n\u0103m 2019 s\u1ebd l\u00e0 n\u0103m r\u1ea5t b\u1eadn r\u1ed9n \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng, c\u00e1c doanh nghi\u1ec7p tri\u1ec3n khai QR Code. N\u0103m 2019 s\u1ebd c\u00f3 th\u00eam nhi\u1ec1u \u0111\u01a1n v\u1ecb kinh doanh, t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng chu\u1ea9n b\u1ecb h\u1ea1 t\u1ea7ng \u0111\u1ec3 \u00e1p d\u1ee5ng ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n b\u1eb1ng m\u00e3 x\u00e1c th\u1ef1c QR Code.<\/span><\/p>\n

\u201cN\u1ebfu nh\u01b0 n\u0103m 2018 ch\u1ec9 c\u00f3 18 ng\u00e2n h\u00e0ng \u1ee9ng d\u1ee5ng m\u00e3 QR Code th\u00ec sang n\u0103m 2019, nh\u1eefng ng\u00e2n h\u00e0ng c\u00f2n l\u1ea1i ch\u1eafc ch\u1eafn s\u1ebd kh\u00f4ng b\u1ecf l\u1ee1 c\u01a1 h\u1ed9i gia t\u0103ng th\u1ecb ph\u1ea7n. Nh\u01b0 v\u1eady, n\u0103m 2019, ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n n\u00e0y s\u1ebd \u201cph\u1ee7 s\u00f3ng\u201d r\u1ed9ng r\u00e3i t\u1ea1i Vi\u1ec7t Nam\u201d, m\u1ed9t chuy\u00ean gia \u0111\u00e1nh gi\u00e1.<\/span><\/p>\n

D\u1ef1 ki\u1ebfn trong v\u00f2ng kho\u1ea3ng 2-3 n\u0103m n\u1eefa, thanh to\u00e1n b\u1eb1ng QR Code s\u1ebd ph\u00e1t tri\u1ec3n song song v\u1edbi c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n \u0111i\u1ec7n t\u1eed kh\u00e1c, g\u00f3p ph\u1ea7n l\u00e0m gi\u1ea3m t\u1ef7 tr\u1ecdng thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t theo ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7.<\/span><\/p>\n

Tuy nhi\u00ean, \u00f4ng Tr\u1ea7n C\u00f4ng Qu\u1ef3nh L\u00e2n, Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c VietinBank, cho r\u1eb1ng \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng \u0111\u01b0a QR Pay th\u1ef1c s\u1ef1 ph\u00e1t tri\u1ec3n v\u00e0 tr\u1edf th\u00e0nh k\u00eanh thanh to\u00e1n ti\u1ec7n d\u1ee5ng, thay th\u1ebf ho\u00e0n to\u00e0n thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t c\u1ea7n s\u1edbm nghi\u00ean c\u1ee9u v\u00e0 \u0111\u01b0a ra m\u1ed9t ti\u00eau chu\u1ea9n th\u1ed1ng nh\u1ea5t v\u1ec1 \u0111\u1ecbnh d\u1ea1ng QR Code trong thanh to\u00e1n di \u0111\u1ed9ng cho th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam.<\/span><\/p>\n

Hi\u1ec7n nay, h\u1ea1n ch\u1ebf l\u1edbn nh\u1ea5t c\u1ee7a ph\u01b0\u01a1ng th\u1ee9c n\u00e0y t\u1ea1i Vi\u1ec7t Nam l\u00e0 ch\u01b0a c\u00f3 chu\u1ea9n chung v\u1ec1 QR Code, g\u00e2y kh\u00f3 kh\u0103n trong vi\u1ec7c li\u00ean th\u00f4ng thanh to\u00e1n. Vi\u1ec7c c\u00f3 m\u1ed9t chu\u1ea9n chung v\u1ec1 m\u00e3 QR Code trong thanh to\u00e1n di \u0111\u1ed9ng cho th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam \u0111\u1ec3 c\u00e1c h\u1ec7 th\u1ed1ng kh\u00e1c nhau c\u00f3 th\u1ec3 \u0111\u1ecdc \u0111\u01b0\u1ee3c m\u00e3 c\u1ee7a nhau, h\u01b0\u1edbng t\u1edbi s\u1ef1 li\u00ean th\u00f4ng trong thanh to\u00e1n l\u00e0 r\u1ea5t c\u1ea7n thi\u1ebft, ti\u1ec7n l\u1ee3i cho c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 ng\u00e2n h\u00e0ng.<\/span><\/p>\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ho\u00e0n t\u1ea5t x\u00e2y d\u1ef1ng ti\u00eau chu\u1ea9n c\u01a1 s\u1edf \u201c\u0110\u1eb7c t\u1ea3 k\u1ef9 thu\u1eadt QR Code trong l\u0129nh v\u1ef1c thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam\u201d, d\u1ef1 ki\u1ebfn s\u1ebd s\u1edbm ban h\u00e0nh trong th\u1eddi gian t\u1edbi.<\/span><\/p>\n<\/div>\n

Theo Huy\u1ec1n Anh\/thoibaonganhang.vn<\/span><\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Theo m\u1ed9t th\u1ed1ng k\u00ea, t\u00ednh n\u0103ng thanh to\u00e1n b\u1eb1ng m\u00e3 QR hi\u1ec7n \u0111\u01b0\u1ee3c 18 ng\u00e2n h\u00e0ng nh\u01b0 BIDV, VPBank, Vietcombank, VietinBank, Agribank, TPBank, Maritime Bank, SCB, SHB\u2026 tri\u1ec3n khai; tr\u00ean 20.000 \u0111i\u1ec3m s\u1eed d\u1ee5ng m\u00e3 QR theo chu\u1ea9n chung c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng, v\u1edbi h\u01a1n 8 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng. L\u1ee3i \u00edch v\u1edbi ng\u01b0\u1eddi<\/p>","protected":false},"author":4,"featured_media":1105,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[9],"tags":[],"_links":{"self":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1104"}],"collection":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/comments?post=1104"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1104\/revisions"}],"predecessor-version":[{"id":1107,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1104\/revisions\/1107"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/1105"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=1104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=1104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=1104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}