C\u00e1c NH chuy\u1ec3n \u0111\u1ed5i trong \u0111\u1ee3t \u0111\u1ea7u, g\u1ed3m Vietcombank, VietinBank, BIDV, Agribank, Sacombank, TienphongBank v\u00e0 An B\u00ecnh, v\u1edbi s\u1ed1 l\u01b0\u1ee3ng th\u1ebb ATM chi\u1ebfm kho\u1ea3ng 70% t\u1ed5ng s\u1ed1 th\u1ebb tr\u00ean c\u1ea3 n\u01b0\u1edbc, ch\u01b0a k\u1ec3 m\u1ed9t s\u1ed1 NH kh\u00e1c c\u0169ng \u0111ang \u0111\u0103ng k\u00fd chuy\u1ec3n \u0111\u1ed5i v\u1edbi C\u00f4ng ty CP Thanh to\u00e1n qu\u1ed1c gia VN (Napas).<\/p>\n
Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i s\u1ebd gi\u00fap VN tho\u00e1t kh\u1ecfi “v\u00f9ng tr\u0169ng” c\u1ee7a t\u1ed9i ph\u1ea1m th\u1ebb c\u0169ng nh\u01b0 k\u00edch th\u00edch thanh to\u00e1n b\u1eb1ng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n
An to\u00e0n h\u01a1n th\u1ebb t\u1eeb<\/strong><\/p>\n \u00d4ng Nguy\u1ec5n Quang Minh, ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c kh\u1ed1i nghi\u00ean c\u1ee9u ph\u00e1t tri\u1ec3n Napas, cho bi\u1ebft v\u1edbi vai tr\u00f2 chuy\u1ec3n m\u1ea1ch th\u1ebb, Napas \u0111\u00e3 chu\u1ea9n b\u1ecb h\u1ea1 t\u1ea7ng v\u00e0 s\u1eb5n s\u00e0ng ngu\u1ed3n l\u1ef1c, quy tr\u00ecnh, nghi\u1ec7p v\u1ee5 c\u0169ng nh\u01b0 k\u1ef9 thu\u1eadt \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c NH trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i kho\u1ea3ng 75 tri\u1ec7u th\u1ebb ATM t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip.<\/p>\n Trong n\u0103m 2019, kho\u1ea3ng 30% s\u1ed1 l\u01b0\u1ee3ng th\u1ebb ATM tr\u00ean th\u1ecb tr\u01b0\u1eddng s\u1ebd \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip v\u00e0 \u0111\u1ebfn n\u0103m 2021, to\u00e0n b\u1ed9 75 tri\u1ec7u th\u1ebb ATM \u0111\u01b0\u1ee3c \u0111\u1ed5i sang th\u1ebb chip. L\u1ed9 tr\u00ecnh n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i c\u1ee7a c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c nh\u01b0 Indonesia, Th\u00e1i Lan, Philippines… d\u00f9 VN xu\u1ea5t ph\u00e1t ch\u1eadm h\u01a1n.<\/p>\n C\u0169ng theo \u00f4ng Minh, \u01b0u \u0111i\u1ec3m c\u1ee7a th\u1ebb chip l\u00e0 th\u00f4ng tin n\u1eb1m trong chip \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a v\u00e0 ch\u1ec9 c\u00f3 NH ph\u00e1t h\u00e0nh m\u1edbi \u0111\u1ecdc \u0111\u01b0\u1ee3c d\u1eef li\u1ec7u trong th\u1ebb v\u00e0 th\u1ebb chip kh\u00f4ng th\u1ec3 l\u00e0m th\u1ebb gi\u1ea3 \u0111\u01b0\u1ee3c. Vi\u1ec7c chuy\u1ec3n sang s\u1eed d\u1ee5ng th\u1ebb chip s\u1ebd kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng t\u1ed9i ph\u1ea1m th\u1ebb \u0111\u00e1nh c\u1eafp d\u1eef li\u1ec7u th\u1ebb \u0111\u1ec3 ch\u1ebf t\u1ea1o th\u1ebb gi\u1ea3 nh\u1eb1m r\u00fat tr\u1ed9m ti\u1ec1n. Theo th\u1ed1ng k\u00ea \u1edf m\u1ed9t s\u1ed1 th\u1ecb tr\u01b0\u1eddng, t\u1ec9 l\u1ec7 giao d\u1ecbch b\u1ecb gi\u1ea3 m\u1ea1o \u0111\u00e3 gi\u1ea3m m\u1ea1nh khi chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip.<\/p>\n Ngo\u00e0i ra, sau khi ra th\u1ecb tr\u01b0\u1eddng, c\u00e1c th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac s\u1ebd h\u1ed7 tr\u1ee3 t\u00edch c\u1ef1c cho c\u00e1c kho\u1ea3n thanh to\u00e1n d\u1ecbch v\u1ee5 c\u00f4ng, c\u00e1c d\u1ecbch v\u1ee5 c\u00f4ng \u00edch kh\u00e1c v\u00e0 \u0111\u1eb7c bi\u1ec7t thanh to\u00e1n trong giao th\u00f4ng, l\u00e0 c\u01a1 h\u1ed9i m\u1edf r\u1ed9ng d\u1ecbch v\u1ee5 cho c\u1ea3 ng\u00e0nh NH v\u00e0 giao th\u00f4ng, gi\u1ea3m chi ph\u00ed cho x\u00e3 h\u1ed9i.<\/p>\n V\u1edbi ch\u1ee7 th\u1ebb, do kh\u00f4ng c\u1ea7n nh\u1eadp m\u00e3 PIN n\u00ean gi\u1ea3m \u0111\u01b0\u1ee3c c\u00e1c thao t\u00e1c khi thanh to\u00e1n, c\u0169ng kh\u00f4ng lo l\u1ed9 m\u00e3 PIN…, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n C\u00f3 mi\u1ec5n ph\u00ed chuy\u1ec3n \u0111\u1ed5i cho ch\u1ee7 th\u1ebb?<\/strong><\/p>\n Trong khi \u0111\u00f3, \u00f4ng \u0110\u00e0m H\u1ed3ng Ti\u1ebfn, gi\u00e1m \u0111\u1ed1c kh\u1ed1i b\u00e1n l\u1ebb VietinBank, cho bi\u1ebft NH n\u00e0y \u0111\u00e3 ph\u00e1t h\u00e0nh th\u1ebb ATM s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 chip EMV. Theo \u00f4ng Ti\u1ebfn, th\u1ebb chip theo c\u00f4ng ngh\u1ec7 EMV n\u00e2ng cao t\u00ednh b\u1ea3o m\u1eadt so v\u1edbi th\u1ebb t\u1eeb r\u1ea5t nhi\u1ec1u v\u00ec t\u1ed9i ph\u1ea1m th\u1ebb kh\u00f4ng th\u1ec3 sao ch\u00e9p \u0111\u01b0\u1ee3c d\u1eef li\u1ec7u \u0111\u1ec3 ch\u1ebf t\u1ea1o th\u1ebb gi\u1ea3 v\u00e0 r\u00fat ti\u1ec1n nh\u01b0 t\u1eebng l\u00e0m v\u1edbi th\u1ebb t\u1eeb.<\/p>\n Sacombank c\u0169ng s\u1ebd ra m\u1eaft th\u1ebb ATM chip kh\u00f4ng ti\u1ebfp x\u00fac v\u00e0o ng\u00e0y 28-5 t\u1edbi.<\/p>\n Li\u1ec7u c\u00f3 k\u1ecbp ho\u00e0n th\u00e0nh chuy\u1ec3n \u0111\u1ed5i 30% th\u1ebb ATM tr\u00ean th\u1ecb tr\u01b0\u1eddng trong nh\u1eefng th\u00e1ng c\u00f2n l\u1ea1i nh\u01b0 m\u1ee5c ti\u00eau m\u00e0 NH Nh\u00e0 n\u01b0\u1edbc \u0111\u1eb7t ra? Trao \u0111\u1ed5i v\u1edbi Tu\u1ed5i Tr\u1ebb ng\u00e0y 17-5, Ph\u00f3 th\u1ed1ng \u0111\u1ed1c NH Nh\u00e0 n\u01b0\u1edbc Nguy\u1ec5n Kim Anh cho bi\u1ebft NH Nh\u00e0 n\u01b0\u1edbc c\u01b0\u01a1ng quy\u1ebft m\u1ee5c ti\u00eau chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip theo \u0111\u00fang l\u1ed9 tr\u00ecnh, c\u00e1c NH \u0111ang n\u1ed7 l\u1ef1c cho vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i n\u00e0y.<\/p>\n Chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i r\u1ea5t cao c\u0169ng l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n, \u0111\u1eb7c bi\u1ec7t v\u1edbi nh\u1eefng NH c\u00f3 s\u1ed1 l\u01b0\u1ee3ng th\u1ebb ph\u00e1t h\u00e0nh l\u1edbn. Theo \u00f4ng Nguy\u1ec5n Kim Anh, NH s\u1ebd ph\u1ea3i t\u00ednh to\u00e1n ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau kinh doanh c\u1ee7a m\u00ecnh. \u0110\u1ec3 c\u1ea1nh tranh, c\u00e1c NH c\u1ea7n h\u1ea1n ch\u1ebf m\u1ee9c th\u1ea5p nh\u1ea5t chi ph\u00ed ph\u00e1t sinh cho kh\u00e1ch h\u00e0ng. N\u1ebfu NH n\u00e0o thu ph\u00ed cao, kh\u1ea3 n\u0103ng c\u1ea1nh tranh s\u1ebd gi\u1ea3m.<\/p>\n NH Nh\u00e0 n\u01b0\u1edbc ch\u1ec9 \u0111\u01b0a ra h\u01b0\u1edbng d\u1eabn v\u1ec1 l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i, c\u0169ng nh\u01b0 c\u00e1c y\u00eau c\u1ea7u k\u1ef9 thu\u1eadt, ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u00ea\u0300 th\u1ebb chip n\u00f4\u0323i \u0111i\u0323a…<\/p>\n M\u1ed9t s\u1ed1 NH cho bi\u1ebft s\u1ebd mi\u1ec5n ph\u00ed chuy\u1ec3n \u0111\u1ed5i cho c\u00e1c ch\u1ee7 th\u1ebb d\u00f9 chi ph\u00ed r\u1ea5t l\u1edbn. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 NH kh\u00e1c l\u1ea1i cho bi\u1ebft m\u1ee9c ph\u00ed chuy\u1ec3n \u0111\u1ed5i s\u1ebd c\u0103n c\u1ee9 v\u00e0o m\u1ed1i quan h\u1ec7 gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 NH ch\u1ee9 kh\u00f4ng mi\u1ec5n ph\u00ed cho to\u00e0n b\u1ed9 kh\u00e1ch h\u00e0ng. Ch\u1eb3ng h\u1ea1n, s\u1ebd ch\u1ec9 \u00e1p d\u1ee5ng v\u1edbi kh\u00e1ch h\u00e0ng c\u0169, c\u00f2n kh\u00e1ch h\u00e0ng m\u1edbi NH s\u1ebd \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 khai th\u00e1c kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u01b0a ra m\u1ee9c gi\u00e1 ph\u00f9 h\u1ee3p nh\u1ea5t.<\/p>\n Theo \u00f4ng \u0110\u00e0o Minh Tu\u1ea5n – ch\u1ee7 t\u1ecbch H\u1ed9i th\u1ebb VN, c\u00e1c NH ph\u1ea3i l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c, t\u00ednh to\u00e1n chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i cho ph\u00f9 h\u1ee3p. B\u1edfi chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i c\u1ee7a m\u1ed7i NH l\u00e0 kh\u00e1c nhau v\u00ec t\u00f9y thu\u1ed9c v\u00e0o kh\u1ed1i l\u01b0\u1ee3ng th\u1ebb \u0111\u00e3 ph\u00e1t h\u00e0nh c\u0169ng nh\u01b0 s\u1ed1 l\u01b0\u1ee3ng thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb tr\u00ean th\u1ecb tr\u01b0\u1eddng.<\/p>\n “C\u00e1c NH s\u1ebd c\u00e2n \u0111\u1ed1i chi ph\u00ed \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i sao cho \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3 v\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn h\u1ec7 th\u1ed1ng ch\u1ea5p nh\u1eadn th\u1ebb hi\u1ec7n t\u1ea1i. Do \u0111\u00f3, NH c\u00f3 th\u1ec3 s\u1ebd chia th\u00e0nh nhi\u1ec1u giai \u0111o\u1ea1n, \u01b0u ti\u00ean chuy\u1ec3n \u0111\u1ed5i cho nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 giao d\u1ecbch th\u01b0\u1eddng xuy\u00ean tr\u01b0\u1edbc” – \u00f4ng Tu\u1ea5n n\u00f3i.<\/p>","protected":false},"excerpt":{"rendered":" C\u00e1c NH chuy\u1ec3n \u0111\u1ed5i trong \u0111\u1ee3t \u0111\u1ea7u, g\u1ed3m Vietcombank, VietinBank, BIDV, Agribank, Sacombank, TienphongBank v\u00e0 An B\u00ecnh, v\u1edbi s\u1ed1 l\u01b0\u1ee3ng th\u1ebb ATM chi\u1ebfm kho\u1ea3ng 70% t\u1ed5ng s\u1ed1 th\u1ebb tr\u00ean c\u1ea3 n\u01b0\u1edbc, ch\u01b0a k\u1ec3 m\u1ed9t s\u1ed1 NH kh\u00e1c c\u0169ng \u0111ang \u0111\u0103ng k\u00fd chuy\u1ec3n \u0111\u1ed5i v\u1edbi C\u00f4ng ty CP Thanh to\u00e1n qu\u1ed1c gia VN (Napas). Vi\u1ec7c chuy\u1ec3n<\/p>","protected":false},"author":3,"featured_media":192,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false},"categories":[9],"tags":[27,29,30],"_links":{"self":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/191"}],"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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/comments?post=191"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/191\/revisions"}],"predecessor-version":[{"id":492,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/191\/revisions\/492"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/192"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=191"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=191"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}