{"id":687,"date":"2019-12-26T09:58:07","date_gmt":"2019-12-26T02:58:07","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=687"},"modified":"2019-12-26T09:58:07","modified_gmt":"2019-12-26T02:58:07","slug":"day-manh-the-chip-mo-rong-he-sinh-thai-khong-dung-tien-mat","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/day-manh-the-chip-mo-rong-he-sinh-thai-khong-dung-tien-mat\/","title":{"rendered":"\u0110\u1ea9y m\u1ea1nh th\u1ebb chip, m\u1edf r\u1ed9ng h\u1ec7 sinh th\u00e1i kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t"},"content":{"rendered":"
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Hi\u1ec7u qu\u1ea3 mang l\u1ea1i t\u1eeb \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 chip ph\u1ee5c v\u1ee5 c\u00e1c ng\u00e0nh kinh t\u1ebf ph\u00e1t tri\u1ec3n v\u00e0 nhu c\u1ea7u thi\u1ebft y\u1ebfu h\u00e0ng ng\u00e0y c\u1ee7a cu\u1ed9c s\u1ed1ng con ng\u01b0\u1eddi \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh t\u1eeb th\u1ef1c t\u1ebf. V\u1ea5n \u0111\u1ec1 c\u1ee7a Vi\u1ec7t Nam hi\u1ec7n t\u1ea1i \u0111\u01b0\u1ee3c cho l\u00e0\u00a0n\u1ebfu kh\u00f4ng m\u1ea1nh d\u1ea1n ti\u1ebfn th\u1eb3ng l\u00ean m\u1ed9t b\u01b0\u1edbc, th\u00ec s\u1ebd b\u1ecb l\u1ee1 nh\u1ecbp\u2026<\/div>\n<\/div>\n
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Ph\u00e1t tri\u1ec3n th\u1ebb chip: N\u1ed7 l\u1ef1c t\u1eeb c\u01a1 quan qu\u1ea3n l\u00fd<\/strong><\/p>\n

M\u1ed9t kh\u1ea3o s\u00e1t nhanh t\u1ea1i Di\u1ec5n \u0111\u00e0n Ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i thanh to\u00e1n \u0111i\u1ec7n t\u1eed 2019 \u201cChuy\u1ec3n \u0111\u1ed5i c\u00f9ng c\u00f4ng ngh\u1ec7 chip\u201d, trong 4 qu\u1ed1c gia Indonesia, Nh\u1eadt B\u1ea3n, Malaysia v\u00e0 H\u00e0n Qu\u1ed1c, n\u01b0\u1edbc n\u00e0o l\u00e0 n\u01b0\u1edbc \u0111\u00e3 chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip nhanh nh\u1ea5t?<\/p>\n

C\u00e2u tr\u1ea3 l\u1eddi c\u1ee7a g\u1ea7n 200 kh\u00e1ch c\u00f3 m\u1eb7t t\u1ea1i di\u1ec5n \u0111\u00e0n ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o H\u00e0n Qu\u1ed1c, nh\u01b0ng c\u00e2u tr\u1ea3 l\u1eddi \u0111\u00fang l\u00e0 Malaysia.<\/p>\n

\u201c\u0110\u00e2y l\u00e0 y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd, c\u1ee5 th\u1ec3 \u1edf \u0111\u00e2y l\u00e0 Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng Malaysia trong vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip\u201d, b\u00e0 \u0110\u1eb7ng Tuy\u1ebft Dung, Gi\u00e1m \u0111\u1ed1c Visa t\u1ea1i Vi\u1ec7t Nam v\u00e0 L\u00e0o chia s\u1ebb l\u00fd do l\u1ef1a ch\u1ecdn c\u00e2u tr\u1ea3 l\u1eddi \u0111\u00fang.<\/p>\n

Ph\u00e1t bi\u1ec3u t\u1ea1i di\u1ec5n \u0111\u00e0n, \u00f4ng Nguy\u1ec5n Kim Anh, Ph\u00f3 th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) cho bi\u1ebft, chuy\u1ec3n \u0111\u1ed5i th\u1ebb thanh to\u00e1n n\u1ed9i \u0111\u1ecba t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb chip l\u00e0 m\u1ed9t trong nh\u1eefng nhi\u1ec7m v\u1ee5 \u0111\u01b0\u1ee3c Th\u1ee7 t\u01b0\u1edbng Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t t\u1ea1i \u0110\u1ec1 \u00e1n ph\u00e1t tri\u1ec3n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t giai \u0111o\u1ea1n 2016-2020.<\/p>\n

Tri\u1ec3n khai nhi\u1ec7m v\u1ee5 n\u00e0y, ng\u00e0y 5\/10\/2018, Th\u1ed1ng \u0111\u1ed1c NHNN \u0111\u00e3 ban h\u00e0nh B\u1ed9 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba quy \u0111\u1ecbnh chi ti\u1ebft c\u00e1c y\u00eau c\u1ea7u k\u1ef9 thu\u1eadt th\u1ebb thanh to\u00e1n n\u1ed9i \u0111\u1ecba t\u1ea1i Vi\u1ec7t Nam, t\u01b0\u01a1ng th\u00edch v\u1edbi chu\u1ea9n EMV c\u1ee7a qu\u1ed1c t\u1ebf, gi\u00fap ng\u0103n ng\u1eeba h\u1eefu hi\u1ec7u r\u1ee7i ro gian l\u1eadn, gi\u1ea3 m\u1ea1o th\u1ebb trong m\u00f4i tr\u01b0\u1eddng v\u1eadt l\u00fd qua k\u00eanh ATM\/POS v\u00e0 gi\u00fap thanh to\u00e1n th\u1ebb tr\u1edf n\u00ean an to\u00e0n, tin c\u1eady h\u01a1n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng Vi\u1ec7t Nam.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, chu\u1ea9n th\u1ebb ch\u00edp c\u1ee7a Vi\u1ec7t Nam v\u1edbi c\u00f4ng ngh\u1ec7 th\u1ebb giao di\u1ec7n k\u00e9p (Dual-Interface) g\u1ed3m ti\u1ebfp x\u00fac v\u00e0 phi ti\u1ebfp x\u00fac l\u00e0 c\u00f4ng ngh\u1ec7 th\u1ebb chip hi\u1ec7n \u0111\u1ea1i nh\u1ea5t, hi\u1ec7n s\u00e1nh ngang v\u1edbi nh\u1eefng n\u01b0\u1edbc ti\u00ean ti\u1ebfn \u0111\u00e3 tri\u1ec3n khai tr\u01b0\u1edbc \u0111\u00f3 nh\u01b0 Anh, \u00dac, Singapore hay Malaysia.<\/p>\n

\u201cB\u00ean c\u1ea1nh \u0111\u00f3, \u1ee9ng d\u1ee5ng th\u1ebb chip gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb n\u1ed9i \u0111\u1ecba Vi\u1ec7t Nam c\u00f3 ti\u1ec1m n\u0103ng m\u1edf r\u1ed9ng h\u1ec7 sinh th\u00e1i thanh to\u00e1n sang c\u00e1c ng\u00e0nh d\u1ecbch v\u1ee5 kh\u00e1c nh\u01b0 y t\u1ebf, gi\u00e1o d\u1ee5c, giao th\u00f4ng, b\u1ea3o hi\u1ec3m…, \u0111em l\u1ea1i l\u1ee3i \u00edch thi\u1ebft th\u1ef1c v\u00e0 tr\u1ea3i nghi\u1ec7m giao d\u1ecbch v\u01b0\u1ee3t tr\u1ed9i cho ng\u01b0\u1eddi d\u00e2n s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5\u201d, \u00f4ng Kim Anh n\u00f3i.<\/p>\n

\u1ede kh\u00eda c\u1ea1nh ph\u00e1p l\u00fd, Ph\u00f3 th\u1ed1ng \u0111\u1ed1c cho bi\u1ebft th\u00eam, NHNN c\u0169ng \u0111\u00e3 ban h\u00e0nh Th\u00f4ng t\u01b0 41\/2018 quy \u0111\u1ecbnh v\u1ec1 l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u1ebb ng\u00e2n h\u00e0ng sang th\u1ebb chip tu\u00e2n th\u1ee7 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 th\u1ebb chip n\u1ed9i \u0111\u1ecba.<\/p>\n

Theo \u0111\u00f3, l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i \u0111\u1ed1i v\u1edbi thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb t\u1ea1i \u0111i\u1ec3m b\u00e1n \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam (nh\u01b0 ATM, POS…)\u00a0 l\u00e0 \u0111\u1ebfn ng\u00e0y 31\/12\/2020 v\u00e0 \u0111\u1ed1i v\u1edbi th\u1ebb n\u1ed9i \u0111\u1ecba \u0111ang l\u01b0u h\u00e0nh l\u00e0 ng\u00e0y 31\/12\/2021.<\/p>\n

\u00d4ng Tr\u1ea7n C\u00f4ng Qu\u1ef3nh L\u00e2n, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c VietinBank th\u00f4ng tin th\u00eam, th\u1ebb chip l\u00e0 xu h\u01b0\u1edbng ph\u00e1t tri\u1ec3n t\u1ea5t y\u1ebfu c\u1ee7a thanh to\u00e1n qua th\u1ebb.<\/p>\n

T\u1ea1i nhi\u1ec1u qu\u1ed1c gia tr\u00ean th\u1ebf gi\u1edbi, vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i sang s\u1eed d\u1ee5ng ho\u00e0n to\u00e0n b\u1eb1ng th\u1ebb chip \u0111\u00e3 th\u1ef1c hi\u1ec7n c\u00e1ch \u0111\u00e2y v\u00e0i n\u0103m.<\/p>\n

Theo s\u1ed1 li\u1ec7u c\u1ee7a EMVCo, t\u00ednh \u0111\u1ebfn qu\u00fd IV\/2018, t\u1ef7 l\u1ec7 giao d\u1ecbch th\u1ebb CHIP EMV Card-present tr\u00ean to\u00e0n c\u1ea7u chi\u1ebfm 73,6% cho th\u1ea5y, vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i s\u1eed d\u1ee5ng th\u1ebb chip \u0111ang di\u1ec5n ra nhanh ch\u00f3ng. Th\u00f4ng tin t\u1ea1i di\u1ec5n \u0111\u00e0n cho bi\u1ebft, t\u0103ng 1% ng\u01b0\u1eddi s\u1eed d\u1ee5ng th\u1ebb chip c\u00f3 th\u1ec3 t\u0103ng th\u00eam 4% GDP.<\/p>\n

\u0110\u1ec1 c\u1eadp v\u1ec1 l\u1ee3i \u00edch th\u1ebb chip mang l\u1ea1i cho kh\u00e1ch h\u00e0ng, \u00f4ng L\u00e2n chia s\u1ebb, th\u1ee9 nh\u1ea5t, \u0111\u00f3 l\u00e0 an to\u00e0n b\u1ea3o m\u1eadt th\u00f4ng tin. V\u1edbi vi\u1ec7c m\u00e3 h\u00f3a th\u00f4ng tin tr\u00ean th\u1ebb chip, c\u01a1 ch\u1ebf x\u1eed l\u00fd kh\u00e1c v\u1edbi th\u1ebb t\u1eeb gi\u00fap ch\u1ed1ng gi\u1ea3 m\u1ea1o, sao ch\u00e9p th\u00f4ng tin th\u1ebb.<\/p>\n

V\u00ec th\u1ebf, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 y\u00ean t\u00e2m khi s\u1eed d\u1ee5ng th\u1ebb chip h\u01a1n th\u1ebb t\u1eeb. Th\u1ee9 hai, vi\u1ec7c thanh to\u00e1n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nhanh ch\u00f3ng, d\u1ec5 d\u00e0ng.<\/p>\n

\u0110\u1eb7c bi\u1ec7t, v\u1edbi th\u1ebb chip c\u00f3 g\u1eafn ch\u1ee9c n\u0103ng phi ti\u1ebfp x\u00fac, giao d\u1ecbch 1 ch\u1ea1m mang l\u1ea1i s\u1ef1 thu\u1eadn l\u1ee3i, n\u00e2ng cao tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 gi\u00fap t\u0103ng c\u01b0\u1eddng th\u00f3i quen kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n

\u201cNgo\u00e0i ra, th\u00f4ng qua b\u1ed9 nh\u1edb, th\u1ebb chip c\u00f3 th\u1ec3 l\u01b0u tr\u1eef th\u00f4ng tin c\u00e1 nh\u00e2n, th\u00f4ng tin b\u1ea3o hi\u1ec3m, th\u00f4ng tin \u1ee9ng d\u1ee5ng k\u1ebft n\u1ed1i m\u1edf r\u1ed9ng thanh to\u00e1n t\u1edbi c\u00e1c l\u0129nh v\u1ef1c, h\u01b0\u1edbng t\u1edbi tr\u1edf th\u00e0nh chi\u1ebfc th\u1ebb \u0111a n\u0103ng trong t\u01b0\u01a1ng lai\u201d, \u00f4ng L\u00e2n nh\u1ea5n m\u1ea1nh.<\/p>\n

V\u1eabn c\u1ea7n nh\u1eefng \u0111\u1ed9ng th\u00e1i quy\u1ebft li\u1ec7t h\u01a1n<\/strong><\/p>\n

Ph\u00e1t bi\u1ec3u t\u1ea1i di\u1ec5n \u0111\u00e0n, Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng V\u0169 \u0110\u1ee9c \u0110am nh\u1edb l\u1ea1i, c\u00e1ch \u0111\u00e2y kho\u1ea3ng 30 n\u0103m, th\u1ebf gi\u1edbi c\u00f3 c\u00f4ng ngh\u1ec7 GSM, nh\u1eefng n\u01b0\u1edbc trong khu v\u1ef1c ch\u00e2u \u00c1 nh\u01b0 Th\u00e1i Lan, Malaysia d\u00f9ng c\u00f4ng ngh\u1ec7 t\u01b0\u01a1ng t\u1ef1 v\u00e0 s\u1eb5n s\u00e0ng chuy\u1ec3n giao kh\u00f4ng m\u1ea5t ti\u1ec1n cho Vi\u1ec7t Nam.<\/p>\n

Tuy nhi\u00ean, ch\u00fang ta \u0111\u00e3 c\u00e2n nh\u1eafc, t\u1eeb ch\u1ed1i \u0111\u1ec3 \u0111i th\u1eb3ng v\u00e0o c\u00f4ng ngh\u1ec7 GSM. Nh\u1edd v\u1eady, khi tri\u1ec3n khai GSM 2G, Vi\u1ec7t Nam l\u00e0 m\u1ed9t trong nh\u1eefng n\u01b0\u1edbc ti\u00ean phong v\u00e0 c\u00f3 k\u1ebft qu\u1ea3.<\/p>\n

Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng chia s\u1ebb, ng\u00e0y \u0111\u00f3, c\u00f4ng d\u00e2n H\u00e0 N\u1ed9i v\u00e0 TP.HCM c\u00f3 c\u00e1c b\u1ed1t \u0111i\u1ec7n tho\u1ea1i, d\u1ea1ng m\u00e0u v\u00e0ng, th\u1ebb t\u1eeb l\u00e0 c\u1ee7a Malaysia v\u00e0 d\u00f9ng th\u1ebb m\u00e0u xanh, th\u1ebb chip c\u1ee7a \u0110\u1ee9c – Ph\u00e1p h\u1ee3p t\u00e1c.<\/p>\n

C\u00f3 \u00fd ki\u1ebfn v\u00ed von, \u0111i\u1ec7n tho\u1ea1i d\u00f9ng th\u1ebb t\u1eeb t\u01b0\u01a1ng t\u1ef1 nh\u01b0 \u0111\u00e1nh m\u00e1y ra r\u1ed3i photo r\u1ed3i g\u1eedi th\u01b0 qua b\u01b0u \u0111i\u1ec7n, c\u00f2n \u0111i\u1ec7n tho\u1ea1i d\u00f9ng th\u1ebb chip \u0111\u00e1nh m\u00e1y d\u00f9ng m\u00e1y fax chuy\u1ec3n \u0111i kh\u1eafp n\u01a1i (v\u00ec ch\u01b0a c\u00f3 Internet).<\/p>\n

\u201cPh\u1ea3i ch\u0103ng b\u00e2y gi\u1edd ch\u00fang ta c\u0169ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 v\u1eady? Gi\u1eefa c\u00f4ng ngh\u1ec7 th\u1ebb chip v\u00e0 th\u1ebb t\u1eeb, ch\u00fang ta c\u00f3 th\u1ec3 b\u00e0n v\u1ec1 c\u00f4ng ngh\u1ec7, nh\u01b0ng ch\u1eafc ch\u1eafn n\u1ebfu m\u1ea1nh d\u1ea1n ti\u1ebfn th\u1eb3ng l\u00ean m\u1ed9t b\u01b0\u1edbc th\u00ec s\u1ebd kh\u00f4ng b\u1ecb l\u1ee1 nh\u1ecbp. T\u00f4i c\u00f3 th\u1ec3 n\u00f3i \u0111\u1ebfn gi\u1edd ph\u00fat n\u00e0y ch\u00fang ta c\u0169ng \u0111\u00e3 b\u1ecb ch\u1eadm\u201d, Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng n\u00f3i.<\/p>\n

V\u1eabn c\u00f2n nh\u1eefng kh\u00f3 kh\u0103n \u0111\u1ed1i v\u1edbi Vi\u1ec7t Nam, \u00f4ng Greg Pote, Ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i Ng\u00e0nh c\u00f4ng nghi\u1ec7p thanh to\u00e1n v\u00e0 nh\u1eadn d\u1ea1ng ch\u00e2u \u00c1 (APSCA) n\u00eau quan \u0111i\u1ec3m, \u0111\u1ec3 \u00e1p d\u1ee5ng th\u1ebb chip, c\u1ea7n c\u00f3 h\u1ea1 t\u1ea7ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u; c\u1ea7n nh\u1eefng \u0111i\u1ec3m \u0111\u1ec3 ch\u1ea5p nh\u1eadn c\u1ea3 th\u1ebb ti\u1ebfp x\u00fac v\u00e0 kh\u00f4ng ti\u1ebfp x\u00fac, \u0111\u1ed3ng th\u1eddi c\u1ea7n c\u00f3 s\u1ef1 chuy\u1ec3n \u0111\u1ed5i, m\u1edf r\u1ed9ng trong m\u1ea1ng l\u01b0\u1edbi, ch\u00ednh s\u00e1ch ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng,<\/p>\n

\u201cTrong vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u1ebb chip, Vi\u1ec7t Nam \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c nh\u01b0 h\u1ecdc h\u1ecfi s\u1ef1 chuy\u1ec3n \u0111\u1ed5i th\u00e0nh c\u00f4ng t\u1eeb c\u00e1c qu\u1ed1c gia l\u00e1ng gi\u1ec1ng; c\u00f4ng t\u00e1c truy\u1ec1n th\u00f4ng, gi\u00e1o d\u1ee5c cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng hay c\u00e1c c\u01a1 quan, ng\u00e2n h\u00e0ng, \u0111\u01a1n v\u1ecb b\u00e1n l\u1ebb\u2026<\/p>\n

\u0110\u00f3 l\u00e0 m\u1ed9t h\u00e0nh tr\u00ecnh d\u00e0i c\u1ea7n s\u1ef1 b\u1ec1n b\u1ec9, quy\u1ebft t\u00e2m m\u1ea1nh m\u1ebd c\u1ee7a c\u00e1c ch\u1ee7 th\u1ec3 li\u00ean quan, song \u0111\u00e2y l\u00e0 xu h\u01b0\u1edbng kh\u00f4ng th\u1ec3 c\u01b0\u1ee1ng l\u1ea1i\u201d, b\u00e0 \u0110\u1eb7ng Tuy\u1ebft Dung chia s\u1ebb.<\/p>\n

Theo Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng V\u0169 \u0110\u1ee9c \u0110am, vi\u1ec7c \u0111\u1ea9y m\u1ea1nh thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t kh\u00f4ng c\u00f2n \u0111\u01a1n thu\u1ea7n nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y l\u00e0 nh\u1eb1m t\u0103ng s\u1ef1 lu\u00e2n chuy\u1ec3n \u0111\u1ed3ng v\u1ed1n trong to\u00e0n x\u00e3 h\u1ed9i, kh\u00f4ng \u0111\u1ec3 \u0111\u1ed3ng ti\u1ec1n b\u1ecb ch\u1ebft, kh\u00f4ng ch\u1ec9 l\u00e0 v\u1ea5n \u0111\u1ec1 minh b\u1ea1ch ch\u1ed1ng r\u1eeda ti\u1ec1n, tham nh\u0169ng, m\u00e0 n\u1ebfu l\u00e0m t\u1ed1t th\u00ec s\u1ebd th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf Internet l\u00ean.<\/p>\n

\u201cVi\u1ec7t Nam \u0111\u00e3 quy\u1ebft li\u1ec7t tri\u1ec3n khai thanh to\u00e1n l\u01b0\u01a1ng qua t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. Gi\u1edd nhi\u1ec1u n\u00f4ng d\u00e2n, ng\u01b0\u1eddi ngh\u00e8o v\u1eabn ngh\u0129 r\u1eb1ng c\u00f3 t\u00e0i kho\u1ea3n l\u00e0 c\u00e1i g\u00ec \u0111\u00f3 kh\u00f4ng d\u00e0nh cho m\u00ecnh, th\u00ec \u0111\u00e2y l\u00e0 nhi\u1ec7m v\u1ee5 c\u1ee7a t\u1ea5t c\u1ea3 ch\u00fang ta, bao g\u1ed3m c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u00e0 \u0111\u01a1n v\u1ecb truy\u1ec1n th\u00f4ng.<\/p>\n

Ch\u00fang ta ph\u1ea3i \u0111\u1ea9y m\u1ea1nh c\u00f4ng ngh\u1ec7, ti\u1ebfn t\u1edbi t\u1ea5t c\u1ea3 c\u00e1c th\u00f4ng tin \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p, t\u1eeb nh\u00e2n th\u00e2n, b\u1ea3o hi\u1ec3m, y t\u1ebf\u2026 t\u1edbi ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u01b0\u1ee3c li\u00ean th\u00f4ng v\u00e0 k\u1ebft n\u1ed1i.<\/p>\n

V\u00e0 \u0111\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c, ch\u00fang ta c\u00f2n ph\u1ea3i c\u1ed1 g\u1eafng r\u1ea5t nhi\u1ec1u, k\u1ec3 c\u1ea3 vi\u1ec7c xem x\u00e9t th\u1eddi \u0111i\u1ec3m v\u00e0 c\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 ch\u01b0\u01a1ng tr\u00ecnh m\u1ecdi ng\u01b0\u1eddi d\u00e2n d\u00f9 ngh\u00e8o \u0111\u1ec1u ph\u1ea3i c\u00f3 smartphone. Ph\u1ea3i v\u1eadn \u0111\u1ed9ng gi\u1ea3i th\u00edch ng\u01b0\u1eddi d\u00e2n c\u00f9ng tham gia\u201d, Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng nh\u1ea5n m\u1ea1nh.<\/p>\n

Hi\u1ec7n t\u1ea1i, th\u1ebb ng\u00e2n h\u00e0ng \u0111\u00e3 v\u00e0 \u0111ang tr\u1edf th\u00e0nh ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn, \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng ch\u00fa tr\u1ecdng ph\u00e1t tri\u1ec3n, t\u0103ng c\u01b0\u1eddng t\u00ednh n\u0103ng, ti\u1ec7n \u00edch s\u1eed d\u1ee5ng v\u00e0 \u0111\u1ea1t t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng cao (trong 9 th\u00e1ng \u0111\u1ea7u n\u0103m 2019, gi\u00e1 tr\u1ecb giao d\u1ecbch qua POS t\u0103ng 36,5% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m 2018).<\/p>\n

Th\u00f4ng tin t\u1eeb NHNN cho bi\u1ebft, t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 9\/2019, s\u1ed1 l\u01b0\u1ee3ng th\u1ebb l\u01b0u h\u00e0nh tr\u00ean c\u1ea3 n\u01b0\u1edbc \u0111\u1ea1t tr\u00ean 96,4 tri\u1ec7u th\u1ebb, v\u1edbi 56 t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh v\u1edbi r\u1ea5t nhi\u1ec1u th\u01b0\u01a1ng hi\u1ec7u th\u1ebb kh\u00e1c nhau, trong \u0111\u00f3 th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba v\u1eabn chi\u1ebfm t\u1ef7 l\u1ec7 \u00e1p \u0111\u1ea3o tr\u00ean 90% t\u1ed5ng l\u01b0\u1ee3ng th\u1ebb l\u01b0u h\u00e0nh\u2026<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng ph\u1ee5c v\u1ee5 thanh to\u00e1n th\u1ebb \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng ch\u00fa tr\u1ecdng \u0111\u1ea7u t\u01b0, m\u1edf r\u1ed9ng, v\u1edbi tr\u00ean 18.900 \u0111i\u1ec3m ATM v\u00e0 tr\u00ean 275.600 thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb (POS) \u0111\u01b0\u1ee3c l\u1eafp \u0111\u1eb7t.<\/p>\n

H\u1ea1 t\u1ea7ng v\u00e0 d\u1ecbch v\u1ee5 th\u1ebb ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd l\u00e0m gia t\u0103ng \u0111\u00e1ng k\u1ec3 s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng, s\u1ed1 l\u01b0\u1ee3ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 l\u00e0m c\u01a1 s\u1edf \u0111\u1ec3 th\u00fac \u0111\u1ea9y c\u00e1c d\u1ecbch v\u1ee5, ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n \u0111i\u1ec7n t\u1eed m\u1edbi, hi\u1ec7n \u0111\u1ea1i, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 cao \u0111i k\u00e8m nh\u01b0 v\u00ed \u0111i\u1ec7n t\u1eed, Mobile Banking, Internet Banking\u2026, qua \u0111\u00f3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u thanh to\u00e1n ng\u00e0y c\u00e0ng cao c\u1ee7a kh\u00e1ch h\u00e0ng, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed ph\u00e1t tri\u1ec3n, ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf thanh to\u00e1n trong khu v\u1ef1c v\u00e0 tr\u00ean th\u1ebf gi\u1edbi.<\/p>\n

\u201cNh\u1eefng n\u0103m tr\u01b0\u1edbc, Ch\u00ednh ph\u1ee7 \u0111\u00e3 ch\u1ec9 \u0111\u1ea1o r\u00f5 r\u00e0ng l\u00e0 ti\u1ec1n thu\u1ebf, b\u1ea3o hi\u1ec3m, \u0111i\u1ec7n l\u1ef1c vi\u1ec5n th\u00f4ng ph\u1ea3i thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. \u0110\u1ea7u n\u0103m nay, Ch\u00ednh ph\u1ee7 y\u00eau c\u1ea7u th\u00eam 2 ng\u00e0nh li\u00ean quan \u0111\u1ebfn ng\u01b0\u1eddi d\u00e2n nhi\u1ec1u nh\u1ea5t l\u00e0 gi\u00e1o d\u1ee5c, y t\u1ebf c\u0169ng ph\u1ea3i tri\u1ec3n khai thanh to\u00e1n \u0111i\u1ec7n t\u1eed\u2026 \u0111\u1ec3 m\u1edf r\u1ed9ng h\u01a1n n\u1eefa h\u1ec7 sinh th\u00e1i kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t\u201d, Ph\u00f3 Th\u1ee7 t\u01b0\u1edbng kh\u1eb3ng \u0111\u1ecbnh.<\/p>\n

(Ngu\u1ed3n: B\u00e1o \u0110\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n)<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

Hi\u1ec7u qu\u1ea3 mang l\u1ea1i t\u1eeb \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 chip ph\u1ee5c v\u1ee5 c\u00e1c ng\u00e0nh kinh t\u1ebf ph\u00e1t tri\u1ec3n v\u00e0 nhu c\u1ea7u thi\u1ebft y\u1ebfu h\u00e0ng ng\u00e0y c\u1ee7a cu\u1ed9c s\u1ed1ng con ng\u01b0\u1eddi \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh t\u1eeb th\u1ef1c t\u1ebf. V\u1ea5n \u0111\u1ec1 c\u1ee7a Vi\u1ec7t Nam hi\u1ec7n t\u1ea1i \u0111\u01b0\u1ee3c cho l\u00e0\u00a0n\u1ebfu kh\u00f4ng m\u1ea1nh d\u1ea1n ti\u1ebfn th\u1eb3ng l\u00ean m\u1ed9t b\u01b0\u1edbc,<\/p>","protected":false},"author":4,"featured_media":688,"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\/687"}],"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=687"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/687\/revisions"}],"predecessor-version":[{"id":690,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/687\/revisions\/690"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/688"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=687"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=687"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=687"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}