{"id":736,"date":"2019-12-31T15:10:27","date_gmt":"2019-12-31T08:10:27","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=736"},"modified":"2019-12-31T15:10:27","modified_gmt":"2019-12-31T08:10:27","slug":"chap-nhan-doi-chi-phi-de-khach-hang-trai-nghiem-dung-the-chip","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/chap-nhan-doi-chi-phi-de-khach-hang-trai-nghiem-dung-the-chip\/","title":{"rendered":"Ch\u1ea5p nh\u1eadn ‘\u0111\u1ed9i’ chi ph\u00ed \u0111\u1ec3 kh\u00e1ch h\u00e0ng tr\u1ea3i nghi\u1ec7m d\u00f9ng th\u1ebb ch\u00edp"},"content":{"rendered":"

Theo y\u00eau c\u1ea7u c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), \u0111\u1ebfn cu\u1ed1i n\u0103m 2019, \u00edt nh\u1ea5t 30% s\u1ed1 th\u1ebb ATM, 50% thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb (POS) t\u1ea1i \u0111i\u1ec3m b\u00e1n h\u00e0ng \u0111ang l\u01b0u h\u00e0nh tr\u00ean c\u1ea3 n\u01b0\u1edbc ph\u1ea3i tu\u00e2n th\u1ee7 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 ti\u00eau chu\u1ea9n th\u1ebb ch\u00edp n\u1ed9i \u0111\u1ecba. Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng khi chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb ch\u00edp l\u00e0 chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i.<\/strong><\/span><\/h2>\n
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\u201cGi\u00e1 th\u00e0nh \u0111\u1ec3 s\u1ea3n xu\u1ea5t m\u1ed9t th\u1ebb ch\u00edp cao h\u01a1n s\u1ea3n xu\u1ea5t th\u1ebb t\u1eeb kho\u1ea3ng 8 – 10 l\u1ea7n. V\u1edbi s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111ang s\u1eed d\u1ee5ng th\u1ebb t\u1eeb c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 h\u01a1n 8 tri\u1ec7u, th\u00ec vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i n\u00e0y s\u1ebd ti\u00eau t\u1ed1n m\u1ed9t kho\u1ea3n chi ph\u00ed kh\u00f4ng nh\u1ecf\u201d, \u00f4ng Ph\u1ea1m \u0110\u0103ng Khoa, Ph\u00f3 Gi\u00e1m \u0111\u1ed1c Trung t\u00e2m th\u1ebb, Kh\u1ed1i b\u00e1n l\u1ebb VietinBank cho bi\u1ebft.<\/span><\/p>\n

Tuy nhi\u00ean, \u0111\u1ea1i di\u1ec7n VietinBank kh\u1eb3ng \u0111\u1ecbnh: VietinBank s\u1eb5n s\u00e0ng h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng chuy\u1ec3n \u0111\u1ed5i. \u01afu \u0111i\u1ec3m l\u1edbn nh\u1ea5t c\u1ee7a th\u1ebb ch\u00edp l\u00e0 th\u00f4ng tin \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a v\u00e0 ch\u1ec9 c\u00f3 ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh m\u1edbi \u0111\u1ecdc \u0111\u01b0\u1ee3c d\u1eef li\u1ec7u trong th\u1ebb, n\u00ean th\u1ebb ch\u00edp r\u1ea5t kh\u00f3 \u0111\u1ec3 l\u00e0m gi\u1ea3. Do \u0111\u00f3, vi\u1ec7c kh\u00e1ch h\u00e0ng chuy\u1ec3n t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb ch\u00edp s\u1ebd h\u1ea1n ch\u1ebf \u0111\u01b0\u1ee3c t\u00ecnh tr\u1ea1ng t\u1ed9i ph\u1ea1m \u0111\u00e1nh c\u1eafp d\u1eef li\u1ec7u th\u1ebb \u0111\u1ec3 ch\u1ebf t\u1ea1o th\u1ebb gi\u1ea3 r\u00fat tr\u1ed9m ti\u1ec1n.<\/span><\/p>\n

C\u0169ng v\u1edbi n\u1ed7i lo v\u1ec1\u00a0chi ph\u00ed ph\u00e1t sinh, \u00f4ng Ph\u1ea1m Duy Hi\u1ebfu, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c ABBank cho hay: Vi\u1ec7c \u0111\u1ea7u t\u01b0 cho m\u1ed9t h\u1ec7 th\u1ed1ng thanh to\u00e1n m\u1edbi v\u00e0 hi\u1ec7n \u0111\u1ea1i th\u00ec ng\u00e2n h\u00e0ng ph\u1ea3i b\u1ecf ra r\u1ea5t nhi\u1ec1u chi ph\u00ed cho h\u1ea1 t\u1ea7ng, h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd th\u1ebb, thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb. Song, v\u1edbi xu th\u1ebf chung c\u1ee7a n\u1ec1n kinh t\u1ebf s\u1ed1 to\u00e0n c\u1ea7u, c\u0169ng nh\u01b0 th\u1ef1c hi\u1ec7n ch\u1ec9 \u0111\u1ea1o c\u1ee7a NHNN, ABBank \u0111\u1eb7t m\u1ee5c ti\u00eau \u0111\u1ebfn gi\u1eefa n\u0103m 2020 s\u1ebd chuy\u1ec3n \u0111\u1ed5i 100% th\u1ebb t\u1eeb sang th\u1ebb ch\u00edp.\u00a0<\/span><\/p>\n

Trao \u0111\u1ed5i v\u1edbi ph\u00f3ng vi\u00ean b\u00e1o Tin t\u1ee9c ng\u00e0y 12\/10, \u00f4ng Tr\u1ea7n Vi\u1ec7t Th\u1eafng, th\u00e0nh vi\u00ean Ban \u0111i\u1ec1u h\u00e0nh ABBank cho hay: S\u1ef1 ki\u1ec7n l\u1edbn nh\u1ea5t c\u1ee7a ABBank c\u0169ng nh\u01b0 c\u1ee7a th\u1ecb tr\u01b0\u1eddng th\u1ebb Vi\u1ec7t Nam trong th\u00e1ng 5\/2019 l\u00e0 ABBank ti\u1ebfp t\u1ee5c ph\u1ed1i h\u1ee3p c\u00f9ng C\u00f4ng ty CP thanh to\u00e1n Qu\u1ed1c gia (Napas) ra m\u1eaft th\u1ebb ch\u00edp ABBank Youcard contactless cho d\u00f2ng th\u1ebb thanh to\u00e1n n\u1ed9i \u0111\u1ecba v\u1edbi c\u00f4ng ngh\u1ec7 thanh to\u00e1n kh\u00f4ng ch\u1ea1m. Ph\u00eda ng\u00e2n h\u00e0ng \u0111\u00e3 ho\u00e0n t\u1ea5t c\u00e1c kh\u00e2u k\u1ef9 thu\u1eadt, n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng hi\u1ec7n h\u1eefu nh\u01b0: H\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd th\u1ebb, h\u1ec7 th\u1ed1ng c\u00e1 th\u1ec3 h\u00f3a th\u1ebb, h\u1ec7 th\u1ed1ng ATM\/POS\u2026 s\u1eb5n s\u00e0ng cho vi\u1ec7c ph\u00e1t h\u00e0nh v\u00e0 chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb ch\u00edp n\u1ed9i \u0111\u1ecba theo ti\u00eau chu\u1ea9n VCCS v\u1edbi c\u00f4ng ngh\u1ec7 kh\u00f4ng ti\u1ebfp x\u00fac.<\/span><\/p>\n

\u201c\u0110\u1ec3 ho\u00e0n th\u00e0nh vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i to\u00e0n b\u1ed9 th\u1ebb t\u1eeb qua th\u1ebb ch\u00edp tr\u01b0\u1edbc th\u1eddi h\u1ea1n c\u1ee7a NHNN v\u00e0o 31\/12\/2020, ABBank \u0111ang c\u00f3 k\u1ebf ho\u1ea1ch l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 li\u00ean quan \u0111\u1ebfn l\u0129nh v\u1ef1c giao th\u00f4ng, b\u1ea3o hi\u1ec3m, y t\u1ebf, gi\u00e1o d\u1ee5c, \u0111i\u1ec7n, n\u01b0\u1edbc\u2026 v\u00e0 c\u00e1c c\u01a1 quan Nh\u00e0 n\u01b0\u1edbc trong l\u0129nh v\u1ef1c c\u00f4ng \u0111\u1ec3 t\u00edch h\u1ee3p thanh to\u00e1n tr\u00ean n\u1ec1n t\u1ea3ng th\u1ebb ch\u00edp n\u1ed9i \u0111\u1ecba kh\u00f4ng ti\u1ebfp x\u00fac\u201d, \u00f4ng Tr\u1ea7n Vi\u1ec7t Th\u1eafng n\u00f3i.<\/span><\/p>\n

C\u00f2n theo \u00f4ng Chu H\u1ed3ng Ng\u1ecdc, Gi\u00e1m \u0111\u1ed1c Kh\u1ed1i v\u1eadn h\u00e0nh c\u1ee7a VPBank, VPBank \u0111\u00e3 x\u00e1c \u0111\u1ecbnh mi\u1ec5n ph\u00ed chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb ch\u00edp cho kh\u00e1ch h\u00e0ng. Hi\u1ec7n, ng\u00e2n h\u00e0ng c\u00f3 kho\u1ea3ng 1,5 tri\u1ec7u th\u1ebb n\u1ed9i \u0111\u1ecba \u0111ang l\u01b0u h\u00e0nh v\u00e0 h\u01a1n 500 m\u00e1y POS, nh\u01b0ng VPBank s\u1ebd chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i.<\/span><\/p>\n<\/div>\n

Nh\u00ecn nh\u1eadn v\u1ec1 t\u00ednh kh\u1ea3 thi khi chuy\u1ec3n \u0111\u1ed5i t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb ch\u00edp, \u00f4ng Nguy\u1ec5n Quang H\u01b0ng, T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Napas cho hay: Ph\u00eda ng\u00e2n h\u00e0ng \u0111\u00e3 c\u00f3 chuy\u1ec3n \u0111\u1ed9ng m\u1ea1nh m\u1ebd. B\u1eb1ng ch\u1ee9ng l\u00e0 v\u00e0o \u0111\u1ea7u n\u0103m 2019 \u0111\u00e3 c\u00f3 l\u1ec5 ra m\u1eaft th\u1ebb chip, khi \u0111\u00f3 ch\u1ec9 c\u00f3 7 ng\u00e2n h\u00e0ng, nh\u01b0ng gi\u1edd Napas \u0111\u00e3 c\u00f9ng h\u01a1n 20 ng\u00e2n h\u00e0ng s\u1eb5n s\u00e0ng c\u00f4ng ngh\u1ec7 chuy\u1ec3n \u0111\u1ed5i th\u1ebb chip.\u00a0\u0110\u1ebfn qu\u00fd I\/2020, kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i 20 ng\u00e2n h\u00e0ng v\u00e0 6 t\u1ed5 ch\u1ee9c cung c\u1ea5p th\u1ebb chip n\u1eefa, m\u00e0 s\u1ebd l\u00ean t\u1edbi 26 ng\u00e2n h\u00e0ng, 10 c\u00f4ng ty cung c\u1ea5p th\u1ebb chip.<\/span><\/p>\n

Ph\u00e1t bi\u1ec3u t\u1ea1i Di\u1ec5n \u0111\u00e0n Ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i thanh to\u00e1n \u0111i\u1ec7n t\u1eed n\u0103m 2019 di\u1ec5n ra m\u1edbi \u0111\u00e2y, \u00f4ng Nguy\u1ec5n Kim Anh, Ph\u00f3 Th\u1ed1ng \u0111\u1ed1c NHNN Vi\u1ec7t Nam kh\u1eb3ng \u0111\u1ecbnh: Chuy\u1ec3n \u0111\u1ed5i th\u1ebb thanh to\u00e1n n\u1ed9i \u0111\u1ecba t\u1eeb th\u1ebb t\u1eeb sang th\u1ebb ch\u00edp 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 ti\u1ec1n m\u1eb7t. 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 th\u1ebb chip n\u1ed9i \u0111\u1ecba, quy \u0111\u1ecbnh chi ti\u1ebft k\u1ef9 thu\u1eadt th\u1ebb n\u1ed9i \u0111\u1ecba Vi\u1ec7t Nam t\u01b0\u01a1ng th\u1ee9c chu\u1ea9n c\u1ee7a EMV qu\u1ed1c t\u1ebf, ng\u0103n ng\u1eeba gi\u1ea3 m\u1ea1o th\u1ebb trong m\u00f4i tr\u01b0\u1eddng v\u1eadt l\u00fd qua c\u00e1c k\u00eanh ATM, POS.<\/span><\/p>\n

Th\u1ebb ch\u00edp gi\u00fap 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 nh\u01b0: Y\u00a0t\u1ebf, giao th\u00f4ng, b\u1ea3o hi\u1ec3m, \u0111em l\u1ea1i l\u1ee3i \u00edch thi\u1ebft th\u1ef1c v\u00e0 tr\u1ea3i nghi\u1ec7m v\u01b0\u1ee3t tr\u1ed9i cho ng\u01b0\u1eddi d\u00e2n s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5.\u00a0NHNN c\u0169ng ban h\u00e0nh Th\u00f4ng t\u01b0 41 quy \u0111\u1ecbnh l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip, l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i v\u1edbi thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb t\u1ea1i \u0111i\u1ec3m b\u00e1n h\u00e0ng \u0111ang ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam nh\u01b0 \u0111\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c thanh to\u00e1n th\u1ebb \u0111\u1ebfn 31\/12\/2020\u00a0v\u00e0 t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb n\u1ed9i \u0111\u1ecba \u0111ang l\u01b0u h\u00e0nh 31\/12\/2021.<\/span><\/p>\n

Theo th\u1ed1ng k\u00ea c\u1ee7a NHNN, 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. Cu\u1ed1i th\u00e1ng 9\/2019, s\u1ed1 th\u1ebb l\u01b0u h\u00e0nh c\u1ea3 n\u01b0\u1edbc 96,4 tri\u1ec7u th\u1ebb v\u1edbi 36 t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh, nhi\u1ec1u th\u01b0\u01a1ng hi\u1ec7u th\u1ebb kh\u00e1c nhau trong \u0111\u00f3, th\u1ebb ghi n\u1ee3 n\u1ed9i \u0111\u1ecba chi\u1ebfm t\u1ef7 l\u1ec7 \u00e1p \u0111\u1ea3o tr\u00ean 90% t\u1ed5ng th\u1ebb l\u01b0u h\u00e0nh. C\u01a1 s\u1edf h\u1ea1 t\u1ea7ng d\u1ecbch v\u1ee5 th\u1ebb\u00a0ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd, gia t\u0103ng \u0111\u00e1ng k\u1ec3 s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng…\u00a0l\u00e0 c\u01a1 s\u1edf th\u00fac \u0111\u1ea9y d\u1ecbch v\u1ee5 ph\u00e1t tri\u1ec3n thanh to\u00e1n \u0111i\u1ec7n t\u1eed m\u1edbi hi\u1ec7n \u0111\u1ea1i nh\u01b0 nh\u01b0: V\u00ed \u0111i\u1ec7n t\u1eed, Internet banking, mobile banking\u2026<\/span><\/p>\n

( Ngu\u1ed3n: B\u00e1o Tin t\u1ee9c)<\/span><\/p>\n

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Theo y\u00eau c\u1ea7u c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN), \u0111\u1ebfn cu\u1ed1i n\u0103m 2019, \u00edt nh\u1ea5t 30% s\u1ed1 th\u1ebb ATM, 50% thi\u1ebft b\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb (POS) t\u1ea1i \u0111i\u1ec3m b\u00e1n h\u00e0ng \u0111ang l\u01b0u h\u00e0nh tr\u00ean c\u1ea3 n\u01b0\u1edbc ph\u1ea3i tu\u00e2n th\u1ee7 ti\u00eau chu\u1ea9n c\u01a1 s\u1edf v\u1ec1 ti\u00eau chu\u1ea9n th\u1ebb ch\u00edp n\u1ed9i \u0111\u1ecba. Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 l\u1edbn<\/p>","protected":false},"author":4,"featured_media":737,"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\/736"}],"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=736"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/736\/revisions"}],"predecessor-version":[{"id":739,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/736\/revisions\/739"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/737"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=736"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=736"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=736"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}