{"id":1253,"date":"2020-04-22T14:35:34","date_gmt":"2020-04-22T07:35:34","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=1253"},"modified":"2020-04-22T14:35:34","modified_gmt":"2020-04-22T07:35:34","slug":"ap-luc-chuyen-doi-the-tu-sang-the-chip","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/ap-luc-chuyen-doi-the-tu-sang-the-chip\/","title":{"rendered":"\u00c1p l\u1ef1c chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip"},"content":{"rendered":"

C\u00f4ng ty c\u1ed5 ph\u1ea7n thanh to\u00e1n qu\u1ed1c gia VN (NAPAS) v\u1eeba \u0111\u1ea9y nhanh l\u1ed9 tr\u00ecnh gi\u1ea3m ph\u00ed chuy\u1ec3n ti\u1ec1n t\u1eeb 47 – 100% \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng<\/span><\/p>\n

\u0110\u00e2y l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u vui cho th\u1ecb tr\u01b0\u1eddng nh\u01b0ng li\u1ec7u c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 ch\u1ecbu gi\u1ea3m ph\u00ed \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng hay kh\u00f4ng th\u00ec ch\u01b0a bi\u1ebft.<\/span><\/p>\n

Gi\u1ea3m ph\u00ed, \u0111\u1ea9y nhanh chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang chip<\/span><\/h2>\n

T\u1eeb ng\u00e0y 1.5, NAPAS gi\u1ea3m t\u1eeb 47 – 80% ph\u00ed d\u1ecbch v\u1ee5 chuy\u1ec3n m\u1ea1ch (t\u00f9y theo lo\u1ea1i giao d\u1ecbch) cho c\u00e1c ng\u00e2n h\u00e0ng (NH) th\u00e0nh vi\u00ean ho\u00e0n th\u00e0nh c\u00e1c \u0111i\u1ec1u ki\u1ec7n k\u1ef9 thu\u1eadt \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb ti\u00eau chu\u1ea9n chip n\u1ed9i \u0111\u1ecba.<\/span><\/p>\n

Theo NAPAS, vi\u1ec7c n\u00e0y nh\u1eb1m h\u1ed7 tr\u1ee3 c\u00e1c NH ho\u00e0n th\u00e0nh m\u1ee5c ti\u00eau chuy\u1ec3n \u0111\u1ed5i 25 tri\u1ec7u th\u1ebb ATM, 150.000 m\u00e1y POS v\u00e0 6.000 m\u00e1y ATM v\u00e0o cu\u1ed1i n\u0103m 2019 theo l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb ti\u00eau chu\u1ea9n chip n\u1ed9i \u0111\u1ecba c\u1ee7a NH Nh\u00e0 n\u01b0\u1edbc. Ngo\u00e0i ra, t\u1eeb ng\u00e0y 1.10, NAPAS s\u1ebd th\u1ef1c hi\u1ec7n gi\u1ea3m ti\u1ebfp 25% ph\u00ed d\u1ecbch v\u1ee5 chuy\u1ec3n m\u1ea1ch cho c\u00e1c NH th\u00e0nh vi\u00ean tri\u1ec3n khai k\u1ebft n\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng thanh to\u00e1n b\u00f9 tr\u1eeb \u0111i\u1ec7n t\u1eed c\u00e1c giao d\u1ecbch b\u00e1n l\u1ebb (ACH) c\u1ee7a NAPAS.<\/span><\/p>\n

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“V\u1ec1 nguy\u00ean t\u1eafc, khi NAPAS gi\u1ea3m ph\u00ed cho ng\u00e2n h\u00e0ng, th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i gi\u1ea3m ph\u00ed t\u01b0\u01a1ng \u1ee9ng cho kh\u00e1ch h\u00e0ng”<\/strong><\/span><\/p>\n<\/div>\n

TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, C\u1ed1 v\u1ea5n H\u0110QT NH TMCP Qu\u1ed1c D\u00e2n (NCB)<\/span><\/p>\n<\/div>\n

Tr\u01b0\u1edbc \u0111\u00f3, ng\u00e0y 1.3, NAPAS th\u1ef1c hi\u1ec7n gi\u1ea3m 100% ph\u00ed d\u1ecbch v\u1ee5 chuy\u1ec3n m\u1ea1ch (m\u1ee9c thu b\u1eb1ng 0 \u0111\u1ed3ng) t\u00f9y theo lo\u1ea1i giao d\u1ecbch \u0111\u1ed1i v\u1edbi c\u00e1c NH s\u1edf h\u1eefu m\u1ea1ng l\u01b0\u1edbi ch\u1ea5p nh\u1eadn thanh to\u00e1n th\u1ebb (ATM, POS…), s\u1edbm h\u01a1n 2 n\u0103m so v\u1edbi l\u1ed9 tr\u00ecnh \u0111\u1eb7t ra ban \u0111\u1ea7u. C\u00e1ch \u0111\u00e2y 1 n\u0103m, NAPAS \u0111\u00e3 gi\u1ea3m 25% ph\u00ed d\u1ecbch v\u1ee5 chuy\u1ec3n m\u1ea1ch n\u00e0y.<\/span><\/p>\n

Theo NAPAS, l\u1ed9 tr\u00ecnh gi\u1ea3m ph\u00ed \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng v\u00e0 tri\u1ec3n khai t\u1eeb n\u0103m 2018, m\u1ee9c ph\u00ed cho NH ph\u00e1t h\u00e0nh gi\u1ea3m t\u1eeb 500 \u0111\u1ed3ng xu\u1ed1ng 350 \u0111\u1ed3ng (v\u00e0o 1.3.2018), xu\u1ed1ng 200 \u0111\u1ed3ng v\u00e0o 1.3.2019, c\u00f2n 50 \u0111\u1ed3ng v\u00e0o 1.3.2020 v\u00e0 v\u1ec1 0 \u0111\u1ed3ng v\u00e0o ng\u00e0y 1.3.2021<\/span><\/p>\n

Th\u1ebf nh\u01b0ng, NAPAS \u0111\u00e3 gi\u1ea3m ph\u00ed v\u1ec1 0% s\u1edbm h\u01a1n 2 n\u0103m so v\u1edbi l\u1ed9 tr\u00ecnh \u0111\u1ec1 ra nh\u1eb1m h\u1ed7 tr\u1ee3, \u0111\u1ed3ng h\u00e0nh c\u00f9ng 48 NH th\u00e0nh vi\u00ean gi\u1ea3m c\u00e1c chi ph\u00ed \u0111\u1ea7u v\u00e0o \u0111\u1ec3 gi\u1ea3m l\u00e3i su\u1ea5t cho vay, k\u00edch th\u00edch t\u00edn d\u1ee5ng, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00e1c NH x\u00e2y d\u1ef1ng ch\u00ednh s\u00e1ch ph\u00ed d\u1ecbch v\u1ee5 h\u1ee3p l\u00fd d\u00e0nh cho kh\u00e1ch h\u00e0ng, khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng tr\u1ea3i nghi\u1ec7m v\u00e0 s\u1eed d\u1ee5ng ng\u00e0y c\u00e0ng nhi\u1ec1u h\u01a1n c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ea3m b\u1ea3o th\u1ef1c hi\u1ec7n \u0111\u1ec1 \u00e1n ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t giai \u0111o\u1ea1n 2016 – 2020 c\u1ee7a Ch\u00ednh ph\u1ee7.<\/span><\/p>\n

<\/header>\n

N\u1ebfu nh\u00ecn v\u00e0o m\u1ee9c ph\u00ed t\u1eeb 50 – 500 \u0111\u1ed3ng\/giao d\u1ecbch th\u00ec kh\u00f4ng \u0111\u00e1ng k\u1ec3, nh\u01b0ng do l\u01b0\u1ee3ng giao d\u1ecbch qua NAPAS nh\u1eefng n\u0103m qua ng\u00e0y c\u00e0ng t\u0103ng n\u00ean vi\u1ec7c th\u1ef1c hi\u1ec7n s\u1edbm h\u01a1n l\u1ed9 tr\u00ecnh \u0111\u00e3 khi\u1ebfn NAPAS gi\u1ea3m doanh thu b\u00ecnh qu\u00e2n kho\u1ea3ng 50 t\u1ec9 \u0111\u1ed3ng\/n\u0103m. T\u1ed5ng s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch th\u1ef1c hi\u1ec7n qua h\u1ec7 th\u1ed1ng NAPAS n\u0103m 2017 kho\u1ea3ng 267 tri\u1ec7u giao d\u1ecbch (t\u0103ng 24% so v\u1edbi n\u0103m 2016) v\u1edbi t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch \u0111\u1ea1t kho\u1ea3ng 656.000 t\u1ec9 \u0111\u1ed3ng (t\u0103ng 102% so v\u1edbi n\u0103m 2016). Qua n\u0103m 2018, t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch t\u0103ng l\u00ean 388,9 tri\u1ec7u v\u1edbi t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch t\u0103ng \u0111\u1ed9t bi\u1ebfn l\u00ean 1,763 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng, t\u0103ng 2,3 l\u1ea7n v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch v\u00e0 h\u01a1n 50 l\u1ea7n v\u1ec1 gi\u00e1 tr\u1ecb giao d\u1ecbch so v\u1edbi n\u0103m 2015.<\/span><\/p>\n

Trong \u0111\u00f3, t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch th\u1ef1c hi\u1ec7n qua h\u1ec7 th\u1ed1ng chuy\u1ec3n kho\u1ea3n li\u00ean NH 24\/7 c\u1ee7a NAPAS t\u0103ng tr\u01b0\u1edfng g\u1ea5p 4 l\u1ea7n t\u1ed5ng gi\u00e1 tr\u1ecb giao d\u1ecbch r\u00fat ti\u1ec1n m\u1eb7t t\u1ea1i m\u1ea1ng l\u01b0\u1edbi ATM li\u00ean NH. \u0110i\u1ec1u n\u00e0y \u0111\u1ed3ng<\/span><\/p>\n

ngh\u0129a vi\u1ec7c gi\u1ea3m t\u1ea3i cung \u1ee9ng ti\u1ec1n m\u1eb7t t\u1ea1i h\u1ec7 th\u1ed1ng ATM, g\u00f3p ph\u1ea7n thay \u0111\u1ed5i th\u00f3i quen s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t c\u1ee7a ng\u01b0\u1eddi d\u00e2n. Theo k\u1ebf ho\u1ea1ch n\u0103m 2019, h\u1ec7 th\u1ed1ng NAPAS d\u1ef1 ki\u1ebfn x\u1eed l\u00fd h\u01a1n 500 tri\u1ec7u giao d\u1ecbch v\u1edbi t\u1ed5ng gi\u00e1 tr\u1ecb 2,738 tri\u1ec7u t\u1ec9 \u0111\u1ed3ng.<\/span><\/p>\n

Ng\u00e2n h\u00e0ng c\u1ea7n gi\u1ea3m ph\u00ed<\/span><\/h2>\n

G\u1ea7n \u0111\u00e2y, nhi\u1ec1u NH \u0111\u00e3 tung ra c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh gi\u1ea3m ph\u00ed r\u00fat ti\u1ec1n ATM, ph\u00ed chuy\u1ec3n kho\u1ea3n nh\u01b0 VIB gi\u1ea3m 2 lo\u1ea1i ph\u00ed n\u00e0y cho kh\u00e1ch h\u00e0ng m\u1edbi trong v\u00f2ng 6 th\u00e1ng; Techcombank mi\u1ec5n ph\u00ed chuy\u1ec3n ti\u1ec1n NH \u0111i\u1ec7n t\u1eed; Vietcombank mi\u1ec5n ph\u00ed chuy\u1ec3n ti\u1ec1n \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng h\u1ed9i \u0111\u1ee7 m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n nh\u01b0 t\u1ed5ng s\u1ed1 d\u01b0 ti\u1ec1n g\u1eedi c\u00f3 k\u1ef3 h\u1ea1n ho\u1eb7c kh\u00f4ng k\u1ef3 h\u1ea1n t\u1eeb 2 t\u1ec9 \u0111\u1ed3ng tr\u1edf l\u00ean, t\u1ed5ng d\u01b0 n\u1ee3 \u1edf n\u1ee3 nh\u00f3m 1 t\u1eeb 3 t\u1ec9 \u0111\u1ed3ng tr\u1edf l\u00ean, ch\u1ee7 th\u1ebb t\u00edn d\u1ee5ng Platinum c\u00f3 doanh s\u1ed1 chi ti\u00eau t\u1eeb 150 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m tr\u1edf l\u00ean\u2026<\/span><\/p>\n

D\u00f9 v\u1eady, theo m\u1ed9t s\u1ed1 nh\u00e0 b\u0103ng, vi\u1ec7c NAPAS gi\u1ea3m ph\u00ed nh\u01b0ng NH, \u0111\u1eb7c bi\u1ec7t l\u00e0 NH \u0111\u1ea7u t\u01b0 nhi\u1ec1u m\u00e1y ATM, POS v\u1eabn kh\u00f3 gi\u1ea3m ph\u00ed \u0111\u1ed3ng lo\u1ea1t cho kh\u00e1ch h\u00e0ng. B\u1edfi t\u00ednh b\u00ecnh qu\u00e2n m\u1ed7i giao d\u1ecbch t\u1ea1i ATM hi\u1ec7n nay NH ph\u1ea3i ch\u1ecbu kho\u1ea3ng 8.000 \u0111\u1ed3ng, trong khi ch\u1ec9 \u0111\u01b0\u1ee3c thu c\u1ee7a kh\u00e1ch h\u00e0ng t\u1eeb 1.000 \u0111\u1ed3ng\/giao d\u1ecbch r\u00fat ti\u1ec1n (ch\u01b0a t\u00ednh thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng 10%) t\u1ea1i m\u00e1y ATM c\u00f9ng h\u1ec7 th\u1ed1ng v\u00e0 kh\u00e1c h\u1ec7 th\u1ed1ng NH l\u00e0 3.000 \u0111\u1ed3ng\/giao d\u1ecbch. V\u00ec th\u1ebf, NAPAS gi\u1ea3m ph\u00ed ch\u1ec9 gi\u00fap NH b\u00f9 \u0111\u1eafp \u0111\u01b0\u1ee3c ph\u1ea7n n\u00e0o kho\u1ea3n l\u1ed7 trong ho\u1ea1t \u0111\u1ed9ng n\u00e0y ch\u1ee9 kh\u00f3 c\u00f3 m\u1ed9t cu\u1ed9c ch\u1ea1y \u0111ua gi\u1ea3m ph\u00ed r\u00fat ti\u1ec1n, ph\u00ed chuy\u1ec3n kho\u1ea3n tr\u00ean di\u1ec7n r\u1ed9ng.<\/span><\/p>\n

Kh\u00f4ng \u0111\u1ed3ng t\u00ecnh v\u1edbi l\u1eadp lu\u1eadn n\u00e0y, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, C\u1ed1 v\u1ea5n H\u0110QT NH TMCP Qu\u1ed1c D\u00e2n (NCB), cho r\u1eb1ng t\u00ednh to\u00e1n n\u00e0y l\u00e0 c\u00e1c nh\u00e0 b\u0103ng \u0111\u00e3 kh\u00f4ng \u201cch\u01a1i \u0111\u1eb9p\u201d v\u1edbi kh\u00e1ch h\u00e0ng. \u201cV\u1ec1 nguy\u00ean t\u1eafc, khi NAPAS gi\u1ea3m ph\u00ed cho NH, th\u00ec NH ph\u1ea3i gi\u1ea3m ph\u00ed t\u01b0\u01a1ng \u1ee9ng cho kh\u00e1ch h\u00e0ng\u201d, \u00f4ng Hi\u1ebfu n\u00f3i. Th\u1eeba nh\u1eadn ph\u00ed c\u1ee7a NAPAS ch\u1ec9 l\u00e0 1 trong 4 c\u1ea5u ph\u1ea7n t\u1ea1o n\u00ean ph\u00ed d\u1ecbch v\u1ee5 r\u00fat ti\u1ec1n, chuy\u1ec3n ti\u1ec1n m\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu, c\u00f2n nhi\u1ec1u lo\u1ea1i ph\u00ed li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng ATM nh\u01b0 ph\u00ed \u0111\u1ea7u t\u01b0 (mua m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb, ph\u1ea7n m\u1ec1m, \u0111\u00e0o t\u1ea1o, ngu\u1ed3n nh\u00e2n l\u1ef1c…), ph\u00ed th\u01b0\u1eddng tr\u1ef1c (b\u1ea3o tr\u00ec…), thanh kho\u1ea3n nh\u01b0ng \u00f4ng Hi\u1ebfu cho r\u1eb1ng, l\u01b0\u1ee3ng ti\u1ec1n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 tr\u00ean t\u00e0i kho\u1ea3n th\u1ebb c\u00f3 m\u1ee9c l\u00e3i su\u1ea5t r\u1ea5t th\u1ea5p, NH v\u1eabn cho vay v\u1edbi l\u00e3i su\u1ea5t cao h\u01a1n n\u00ean th\u1ef1c ch\u1ea5t, ph\u00ed r\u00fat ti\u1ec1n ATM kh\u00f4ng \u0111\u1ebfn 8.000 \u0111\u1ed3ng\/giao d\u1ecbch. C\u00e1c NH n\u00ean t\u00ednh to\u00e1n tr\u00ean t\u1ed5ng th\u1ec3 \u0111\u1ec3 gi\u1ea3m ph\u00ed cho kh\u00e1ch h\u00e0ng.<\/span><\/p>\n

Ngu\u1ed3n: https:\/\/vietnambiz.vn\/ap-luc-chuyen-doi-the-tu-sang-the-chip-20190430085748085.htm<\/span><\/p>\n

 <\/p>\n

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

C\u00f4ng ty c\u1ed5 ph\u1ea7n thanh to\u00e1n qu\u1ed1c gia VN (NAPAS) v\u1eeba \u0111\u1ea9y nhanh l\u1ed9 tr\u00ecnh gi\u1ea3m ph\u00ed chuy\u1ec3n ti\u1ec1n t\u1eeb 47 – 100% \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng \u0110\u00e2y l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u vui cho th\u1ecb tr\u01b0\u1eddng nh\u01b0ng li\u1ec7u c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 ch\u1ecbu gi\u1ea3m ph\u00ed \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng hay kh\u00f4ng th\u00ec ch\u01b0a bi\u1ebft.<\/p>","protected":false},"author":4,"featured_media":1254,"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\/1253"}],"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=1253"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1253\/revisions"}],"predecessor-version":[{"id":1256,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/1253\/revisions\/1256"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/1254"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=1253"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=1253"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=1253"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}