{"id":858,"date":"2020-01-15T09:37:57","date_gmt":"2020-01-15T02:37:57","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=858"},"modified":"2020-04-17T11:42:01","modified_gmt":"2020-04-17T04:42:01","slug":"chuyen-doi-the-tu-sang-the-chip-kho-khan-khong-nam-o-chi-phi","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/chuyen-doi-the-tu-sang-the-chip-kho-khan-khong-nam-o-chi-phi\/","title":{"rendered":"Chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip: Kh\u00f3 kh\u0103n kh\u00f4ng n\u1eb1m \u1edf chi ph\u00ed"},"content":{"rendered":"

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ch\u1ec9 \u0111\u1ea1o c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip trong th\u1eddi gian t\u1eeb nay \u0111\u1ebfn n\u0103m 2020.<\/strong><\/span><\/p>\n

Gi\u1ea3m thi\u1ec3u r\u1ee7i ro<\/strong><\/span><\/p>\n

Ph\u00f3 th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Kim Anh cho bi\u1ebft, vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip l\u00e0 xu th\u1ebf t\u1ea5t y\u1ebfu c\u1ee7a c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c v\u00e0 qu\u1ed1c t\u1ebf tr\u01b0\u1edbc t\u00ecnh tr\u1ea1ng t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao ng\u00e0y c\u00e0ng gia t\u0103ng. C\u00f4ng t\u00e1c chuy\u1ec3n \u0111\u1ed5i ph\u1ea3i \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng th\u1ebb v\u1eabn di\u1ec5n ra li\u00ean t\u1ee5c, \u1ed5n \u0111\u1ecbnh v\u00e0 an to\u00e0n, \u0111\u1ed3ng th\u1eddi, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i h\u1ee3p ph\u00e1p c\u1ee7a kh\u00e1ch h\u00e0ng ch\u1ee7 th\u1ebb trong qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i. Vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang chip \u0111\u01b0\u1ee3c cho l\u00e0 c\u1ea7n thi\u1ebft, b\u1edfi th\u1eddi gian qua \u0111\u00e3 x\u1ea3y ra m\u1ed9t s\u1ed1 v\u1ee5 vi\u1ec7c kh\u00e1ch h\u00e0ng m\u1ea5t ti\u1ec1n trong t\u00e0i kho\u1ea3n, g\u00e2y hoang mang trong d\u01b0 lu\u1eadn v\u1ec1 vi\u1ec7c an to\u00e0n b\u1ea3o m\u1eadt c\u1ee7a ng\u00e2n h\u00e0ng.<\/span><\/p>\n

\u00d4ng \u0110\u00e0o Minh Tu\u1ea5n, Ch\u1ee7 t\u1ecbch H\u1ed9i Th\u1ebb ng\u00e2n h\u00e0ng Vi\u1ec7t Nam cho bi\u1ebft, c\u00e1c r\u1ee7i ro g\u1ea7n \u0111\u00e2y ch\u1ee7 y\u1ebfu li\u00ean quan \u0111\u1ebfn d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed, \u0111\u1eb7c bi\u1ec7t l\u00e0 th\u1ebb r\u00fat ti\u1ec1n ATM.<\/span><\/p>\n

Vi\u1ec7t Nam hi\u1ec7n c\u00f3 48 ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh th\u1ebb n\u1ed9i \u0111\u1ecba v\u1edbi kho\u1ea3ng 76 tri\u1ec7u th\u1ebb, h\u01a1n 261.000 POS v\u00e0 18.600 ATM. Ph\u1ea7n l\u1edbn POS \u0111\u00e3 tu\u00e2n theo chu\u1ea9n EMV, n\u00ean vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i n\u00e0y \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng t\u1edbi c\u00e1c giao d\u1ecbch thanh to\u00e1n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.<\/span><\/p>\n

Theo k\u1ebf ho\u1ea1ch, \u0111\u1ebfn cu\u1ed1i n\u0103m 2019, c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ph\u1ea3i th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i \u00edt nh\u1ea5t 30% s\u1ed1 l\u01b0\u1ee3ng th\u1ebb t\u1eeb n\u1ed9i \u0111\u1ecba, 35% s\u1ed1 l\u01b0\u1ee3ng m\u00e1y ATM v\u00e0 50% s\u1ed1 l\u01b0\u1ee3ng POS hi\u1ec7n c\u00f3 sang c\u00f4ng ngh\u1ec7 chip ti\u1ebfp x\u00fac v\u00e0 kh\u00f4ng ti\u1ebfp x\u00fac. \u0110\u1ebfn cu\u1ed1i n\u0103m 2020, to\u00e0n b\u1ed9 m\u00e1y ATM v\u00e0 POS tr\u00ean th\u1ecb tr\u01b0\u1eddng ph\u1ea3i \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 Ti\u00eau chu\u1ea9n VCCS (b\u1ed9 ti\u00eau chu\u1ea9n th\u1ebb chip).<\/span><\/p>\n

Ng\u00e0y 28\/5\/2019, c\u00f3 7 ng\u00e2n h\u00e0ng \u0111\u00e3 s\u1eb5n s\u00e0ng tri\u1ec3n khai lo\u1ea1i th\u1ebb chip v\u00e0 c\u00f4ng b\u1ed1 ra m\u1eaft trong \u0111\u1ee3t \u0111\u1ea7u ti\u00ean, g\u1ed3m: Vietcombank, BIDV, VietinBank, Agribank, TPBank, Sacombank, ABBank. \u0110\u00e2y c\u0169ng l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng \u0111ang n\u1eafm kho\u1ea3ng 70% th\u1ecb ph\u1ea7n th\u1ebb n\u1ed9i \u0111\u1ecba c\u1ee7a Vi\u1ec7t Nam. Theo \u00f4ng Ph\u1ea1m Ti\u1ebfn D\u0169ng, V\u1ee5 tr\u01b0\u1edfng V\u1ee5 Thanh to\u00e1n (NHNN), ngo\u00e0i h\u1ea1n ch\u1ebf r\u1ee7i ro v\u1ec1 \u0103n c\u1eafp v\u00e0 gi\u1ea3 m\u1ea1o th\u00f4ng tin nh\u01b0 v\u1edbi th\u1ebb t\u1eeb tr\u01b0\u1edbc \u0111\u00e2y, th\u1ebb chip c\u00f2n c\u00f3 kh\u1ea3 n\u0103ng l\u01b0u tr\u1eef th\u00f4ng tin l\u1edbn v\u00e0 c\u00f3 th\u1ec3 gi\u00fap Vi\u1ec7t Nam \u1ee9ng d\u1ee5ng v\u00e0o c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c (b\u1ea3o hi\u1ec3m, giao th\u00f4ng, thanh to\u00e1n c\u00e1c d\u1ecbch v\u1ee5 c\u00f4ng…) nh\u01b0 \u1edf m\u1ed9t s\u1ed1 n\u01b0\u1edbc ph\u00e1t tri\u1ec3n.<\/span><\/p>\n

Chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i ra sao?<\/strong><\/span><\/p>\n

L\u00e3nh \u0111\u1ea1o c\u00e1c ng\u00e2n h\u00e0ng tham gia chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip trong \u0111\u1ee3t \u0111\u1ea7u cho bi\u1ebft, s\u1ebd mi\u1ec5n ph\u00ed chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i cho kh\u00e1ch h\u00e0ng. Theo t\u00ednh to\u00e1n, chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i m\u1ed9t th\u1ebb t\u1eeb sang th\u1ebb chip l\u00e0 1 – 2 USD. L\u00e3nh \u0111\u1ea1o c\u00e1c ng\u00e2n h\u00e0ng cho r\u1eb1ng, kh\u00f3 kh\u0103n kh\u00f4ng n\u1eb1m \u1edf chi ph\u00ed \u0111\u1ec3 mua ph\u00f4i th\u1ebb, m\u00e0 n\u1eb1m \u1edf vi\u1ec7c h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 c\u1ee7a t\u1eebng nh\u00e0 b\u0103ng c\u00f3 s\u1eb5n s\u00e0ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng hay kh\u00f4ng.<\/span><\/p>\n

\u0110\u1ea1i di\u1ec7n TPBank cho hay, d\u00f9 chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i kh\u00e1 l\u1edbn khi chi ph\u00ed ph\u00f4i th\u1ebb chip g\u1ea5p 7 – 8 l\u1ea7n so v\u1edbi ph\u00f4i th\u1ebb t\u1eeb, nh\u01b0ng v\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng ng\u00e2n h\u00e0ng s\u1ed1, d\u1ecbch v\u1ee5 ti\u1ec7n d\u1ee5ng, \u0111\u1ea3m b\u1ea3o \u1ed5n \u0111\u1ecbnh cho kh\u00e1ch h\u00e0ng trong qu\u00e1 tr\u00ecnh giao d\u1ecbch, TPBank c\u00e2n nh\u1eafc \u0111\u1ec3 h\u00e0i h\u00f2a, c\u00f3 th\u1ec3 c\u00f3 m\u1ed9t s\u1ed1 ch\u01b0\u01a1ng tr\u00ecnh mi\u1ec5n ph\u00ed cho kh\u00e1ch h\u00e0ng c\u0169 trong giai \u0111o\u1ea1n \u0111\u1ea7u chuy\u1ec3n \u0111\u1ed5i. Theo TPBank, \u0111\u00e2y l\u00e0 s\u1ef1\u00a0\u0111\u1ea7u t\u01b0<\/a>\u00a0\u0111\u00fang h\u01b0\u1edbng v\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 Ng\u00e2n h\u00e0ng ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n.<\/span><\/p>\n

\u0110\u1ea1i di\u1ec7n TPBank c\u0169ng cho bi\u1ebft, s\u1eed d\u1ee5ng th\u1ebb chip n\u1ed9i \u0111\u1ecba n\u00e0y, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a th\u1ebb nh\u01b0 th\u00f4ng th\u01b0\u1eddng. C\u00e1c kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng th\u1ebb c\u0169 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng th\u1ebb b\u00ecnh th\u01b0\u1eddng cho t\u1edbi khi nh\u1eadn \u0111\u01b0\u1ee3c th\u1ebb chuy\u1ec3n \u0111\u1ed5i m\u1edbi.<\/span><\/p>\n

Trong khi \u0111\u00f3, theo \u00f4ng Tr\u1ea7n C\u00f4ng Qu\u1ef3nh L\u00e2n, Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c VietinBank, hi\u1ec7n nay, th\u1ebb chip v\u1eabn ch\u01b0a khai th\u00e1c h\u1ebft ti\u1ec1m n\u0103ng. Dung l\u01b0\u1ee3ng c\u1ee7a th\u1ebb chip r\u1ea5t l\u1edbn, nh\u01b0ng ch\u1ee7 y\u1ebfu m\u1edbi ch\u1ec9 \u0111\u01b0\u1ee3c ng\u00e0nh ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng. Trong t\u01b0\u01a1ng lai, \u00f4ng L\u00e2n k\u1ef3 v\u1ecdng s\u1ebd c\u00f3 nhi\u1ec1u d\u1ecbch v\u1ee5 c\u00f4ng c\u1ed9ng v\u00e0 ti\u1ec7n \u00edch \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p v\u00e0o chi\u1ebfc th\u1ebb chip n\u00e0y.<\/span><\/p>\n

B\u00e0 Nguy\u1ec5n T\u00fa Anh, Ch\u1ee7 t\u1ecbch H\u0110QT Napas – \u0111\u01a1n v\u1ecb \u0111\u01b0\u1ee3c NHNN giao h\u1ed7 tr\u1ee3 th\u1ef1c hi\u1ec7n vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i n\u00e0y cho bi\u1ebft, Napas \u0111\u00e3 tri\u1ec3n khai ch\u00ednh s\u00e1ch gi\u1ea3m ph\u00ed d\u1ecbch v\u1ee5 chuy\u1ec3n m\u1ea1ch l\u00ean \u0111\u1ebfn 80% cho c\u00e1c ng\u00e2n h\u00e0ng ho\u00e0n th\u00e0nh \u0111i\u1ec1u ki\u1ec7n chuy\u1ec3n \u0111\u1ed5i. Napas kh\u1eb3ng \u0111\u1ecbnh \u0111\u00e3 s\u1eb5n s\u00e0ng ngu\u1ed3n l\u1ef1c v\u1ec1 nh\u00e2n s\u1ef1 v\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c ng\u00e2n h\u00e0ng.<\/span><\/p>\n

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 gi\u1ea3i ph\u00e1p tr\u1ecdng t\u00e2m c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng \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.<\/span><\/p>\n

Quan \u0111i\u1ec3m c\u1ee7a NHNN l\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng ph\u1ea3i ch\u1ecbu chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i th\u1ebb v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh s\u1ebd l\u00e0 b\u00ean ch\u1ecbu chi ph\u00ed ph\u00e1t sinh trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u1ebb n\u00e0y.<\/span><\/p>\n

-Ngu\u1ed3n: https:\/\/infomoney.vn\/chuyen-doi-the-tu-sang-the-chip-kho-khan-khong-nam-o-chi-phi-d101184.html-<\/p>\n

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

Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ch\u1ec9 \u0111\u1ea1o c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i chuy\u1ec3n \u0111\u1ed5i th\u1ebb t\u1eeb sang th\u1ebb chip trong th\u1eddi gian t\u1eeb nay \u0111\u1ebfn n\u0103m 2020. Gi\u1ea3m thi\u1ec3u r\u1ee7i ro Ph\u00f3 th\u1ed1ng \u0111\u1ed1c NHNN Nguy\u1ec5n Kim Anh cho bi\u1ebft, vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i sang th\u1ebb chip l\u00e0 xu th\u1ebf t\u1ea5t y\u1ebfu c\u1ee7a c\u00e1c n\u01b0\u1edbc trong<\/p>","protected":false},"author":4,"featured_media":859,"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\/858"}],"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=858"}],"version-history":[{"count":2,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/858\/revisions"}],"predecessor-version":[{"id":1228,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/858\/revisions\/1228"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/859"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=858"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=858"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=858"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}