{"id":975,"date":"2020-03-10T16:42:26","date_gmt":"2020-03-10T09:42:26","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=975"},"modified":"2020-03-10T16:42:26","modified_gmt":"2020-03-10T09:42:26","slug":"tang-tien-ich-de-giam-giao-dich-tien-mat","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/tang-tien-ich-de-giam-giao-dich-tien-mat\/","title":{"rendered":"T\u0103ng ti\u1ec7n \u00edch \u0111\u1ec3 gi\u1ea3m giao d\u1ecbch ti\u1ec1n m\u1eb7t"},"content":{"rendered":"

Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd m\u1edf t\u00e0i kho\u1ea3n t\u1eeb xa, thanh to\u00e1n m\u1ed9t ch\u1ea1m tr\u00ean di \u0111\u1ed9ng<\/span><\/h2>\n
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Trong b\u1ed1i c\u1ea3nh d\u1ecbch Covid-19 \u0111ang ho\u00e0nh h\u00e0nh, ti\u1ec1n m\u1eb7t \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t trong nh\u1eefng ph\u01b0\u01a1ng ti\u1ec7n c\u00f3 th\u1ec3 g\u00e2y l\u00e2y nhi\u1ec5m virus cho c\u1ed9ng \u0111\u1ed3ng. V\u1edbi th\u1ef1c t\u1ebf \u1edf Vi\u1ec7t Nam, thanh to\u00e1n \u0111i\u1ec7n t\u1eed b\u1eb1ng c\u00e1c lo\u1ea1i th\u1ebb ng\u00e2n h\u00e0ng (NH) v\u1eabn ch\u01b0a th\u1eadt ph\u1ed5 bi\u1ebfn nh\u01b0ng c\u00e1c lo\u1ea1i h\u00ecnh trung gian thanh to\u00e1n nh\u01b0 v\u00ed \u0111i\u1ec7n t\u1eed, t\u00e0i kho\u1ea3n di \u0111\u1ed9ng l\u1ea1i d\u1ec5 ph\u1ed5 d\u1ee5ng.<\/span><\/p>\n

Thanh to\u00e1n qua s\u1ed1 \u0111i\u1ec7n tho\u1ea1i<\/b><\/span><\/p>\n

Ngh\u1ecb quy\u1ebft 02\/NQ-CP ng\u00e0y 1-1-2020 c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 vi\u1ec7c ti\u1ebfp t\u1ee5c th\u1ef1c hi\u1ec7n nh\u1eefng nhi\u1ec7m v\u1ee5, gi\u1ea3i ph\u00e1p ch\u1ee7 y\u1ebfu c\u1ea3i thi\u1ec7n m\u00f4i tr\u01b0\u1eddng kinh doanh, n\u00e2ng cao n\u0103ng l\u1ef1c c\u1ea1nh tranh qu\u1ed1c gia n\u0103m 2020 \u0111\u00e3 x\u00e1c \u0111\u1ecbnh \u0111\u1ea9y m\u1ea1nh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ed9i dung tr\u1ecdng t\u00e2m c\u1ea3i c\u00e1ch \u0111\u1ec3 ti\u1ebfp t\u1ee5c c\u1ea3i thi\u1ec7n m\u00f4i tr\u01b0\u1eddng kinh doanh, n\u00e2ng cao n\u0103ng l\u1ef1c c\u1ea1nh tranh qu\u1ed1c gia. Ch\u00ednh ph\u1ee7 y\u00eau c\u1ea7u c\u00e1c b\u1ed9 – ng\u00e0nh ch\u1ee9c n\u0103ng ho\u00e0n thi\u1ec7n h\u00e0nh lang ph\u00e1p l\u00fd, cho ph\u00e9p ng\u01b0\u1eddi d\u00e2n, doanh nghi\u1ec7p (DN) thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t b\u1eb1ng nhi\u1ec1u ph\u01b0\u01a1ng ti\u1ec7n kh\u00e1c nhau.<\/span><\/p>\n

\u0110i\u1ec3m m\u1edbi \u0111ang \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi mong \u0111\u1ee3i l\u00e0 lo\u1ea1i h\u00ecnh thanh to\u00e1n di \u0111\u1ed9ng. Ngh\u1ecb quy\u1ebft 02\/NQ-CP \u0111\u00e3 giao nhi\u1ec7m v\u1ee5 cho NH Nh\u00e0 n\u01b0\u1edbc ch\u1ee7 tr\u00ec, ph\u1ed1i h\u1ee3p v\u1edbi B\u1ed9 T\u01b0 ph\u00e1p v\u00e0 c\u00e1c c\u01a1 quan li\u00ean quan nghi\u00ean c\u1ee9u, \u0111\u1ec1 xu\u1ea5t Th\u1ee7 t\u01b0\u1edbng ban h\u00e0nh quy\u1ebft \u0111\u1ecbnh v\u1ec1 vi\u1ec7c th\u00ed \u0111i\u1ec3m d\u00f9ng t\u00e0i kho\u1ea3n vi\u1ec5n th\u00f4ng \u0111\u1ec3 thanh to\u00e1n cho c\u00e1c d\u1ecbch v\u1ee5 c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf (Mobile-Money), th\u00ed \u0111i\u1ec3m c\u00e1c m\u00f4 h\u00ecnh d\u1ecbch v\u1ee5 thanh to\u00e1n m\u1edbi trong khi ch\u01b0a c\u00f3 quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt \u0111\u1ec3 k\u1ecbp th\u1eddi b\u1ea3o \u0111\u1ea3m c\u00f4ng t\u00e1c qu\u1ea3n l\u00fd, nh\u1ea5t l\u00e0 \u0111\u1ed1i v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi, ho\u00e0n th\u00e0nh trong qu\u00fd IV.<\/span><\/p>\n

Th\u1ed1ng \u0111\u1ed1c NH Nh\u00e0 n\u01b0\u1edbc c\u0169ng ban h\u00e0nh Ch\u1ec9 th\u1ecb 01\/CT-NHNN v\u1ec1 vi\u1ec7c t\u1ed5 ch\u1ee9c th\u1ef1c hi\u1ec7n c\u00e1c nhi\u1ec7m v\u1ee5 tr\u1ecdng t\u00e2m c\u1ee7a ng\u00e0nh NH trong n\u0103m 2020, trong \u0111\u00f3 y\u00eau c\u1ea7u \u0111\u1ea9y m\u1ea1nh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. Ch\u1ec9 th\u1ecb n\u00eau r\u00f5: “\u0110\u1ed5i m\u1edbi v\u00e0 ho\u00e0n thi\u1ec7n h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i nh\u1eb1m ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5 NH s\u1ed1; t\u0103ng c\u01b0\u1eddng an ninh, an to\u00e0n, b\u1ea3o m\u1eadt trong ho\u1ea1t \u0111\u1ed9ng NH”.<\/span><\/p>\n

Trong d\u1ef1 th\u1ea3o ngh\u1ecb \u0111\u1ecbnh m\u1edbi thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, nh\u00e0 m\u1ea1ng vi\u1ec5n th\u00f4ng c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n ri\u00eang v\u00e0 \u0111\u1ecbnh danh ng\u01b0\u1eddi d\u00f9ng b\u1eb1ng s\u1ed1 \u0111i\u1ec7n tho\u1ea1i, tr\u1edf th\u00e0nh m\u1ed9t k\u00eanh trung gian thanh to\u00e1n. C\u00e1c DN l\u00e0m d\u1ecbch v\u1ee5 thanh to\u00e1n \u0111i\u1ec7n t\u1eed, thay v\u00ec tr\u01b0\u1edbc \u0111\u00e2y c\u1ee9 r\u1ee5t r\u00e8 ng\u00f3ng ph\u00eda qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc nay s\u1ebd m\u1ea1nh d\u1ea1n tri\u1ec3n khai r\u1ed9ng.<\/span><\/p>\n

Do nh\u1eefng \u0111\u1eb7c th\u00f9 c\u1ee7a m\u00ecnh, c\u00e1c lo\u1ea1i h\u00ecnh trung gian thanh to\u00e1n d\u1ec5 ti\u1ebfp c\u1eadn v\u1edbi r\u1ed9ng r\u00e3i ng\u01b0\u1eddi d\u00e2n h\u01a1n. Kh\u00f4ng k\u1ec3 th\u1ee7 t\u1ee5c tham gia \u0111\u01a1n gi\u1ea3n h\u01a1n m\u00e0 c\u00e1c d\u1ecbch v\u1ee5 n\u00e0y c\u00f2n r\u1ed9ng tay \u0111\u1ec3 c\u00f3 c\u00e1c h\u00ecnh th\u1ee9c khuy\u1ebfn m\u00e3i, \u01b0u \u0111\u00e3i \u0111em l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho c\u00e1c b\u00ean kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. \u0110\u1ebfn gi\u1eefa th\u00e1ng 11-2019, c\u00f3 32 t\u1ed5 ch\u1ee9c kh\u00f4ng ph\u1ea3i l\u00e0 NH \u0111\u00e3 \u0111\u01b0\u1ee3c NH Nh\u00e0 n\u01b0\u1edbc c\u1ea5p gi\u00e2\u0301y ph\u00e9p hoa\u0323t \u0111\u00f4\u0323ng cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n.<\/span><\/p>\n

Tho\u1ea3i m\u00e1i v\u00e0 an to\u00e0n<\/b><\/span><\/p>\n

\u0110\u1ed1i v\u1edbi lo\u1ea1i h\u00ecnh thanh to\u00e1n \u0111i\u1ec7n t\u1eed ngo\u00e0i NH, 2 y\u1ebfu t\u1ed1 c\u1ed1t l\u00f5i m\u00e0 ng\u01b0\u1eddi d\u00f9ng quan t\u00e2m l\u00e0 s\u1ef1 tho\u1ea3i m\u00e1i v\u00e0 t\u00ednh an to\u00e0n. K\u1ec3 t\u1eeb sau T\u1ebft nguy\u00ean \u0111\u00e1n \u0111\u1ebfn nay, c\u00e1c con \u0111\u01b0\u1ee3c ngh\u1ec9 h\u1ecdc, ch\u1ecb Mai V\u00e2n (ng\u1ee5 qu\u1eadn Th\u1ee7 \u0110\u1ee9c, TP HCM) th\u01b0\u1eddng xuy\u00ean mua h\u00e0ng qua m\u1ea1ng, t\u1eeb c\u00e1c s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed \u0111\u1ebfn c\u00e1c k\u00eanh b\u00e1n h\u00e0ng tr\u1ef1c tuy\u1ebfn c\u1ee7a DN, group b\u00e1n h\u00e0ng qua m\u1ea1ng x\u00e3 h\u1ed9i \u1edf chung c\u01b0\u2026 \u0111\u01b0\u1ee3c ch\u1ecb t\u1eadn d\u1ee5ng t\u1ed1i \u0111a. T\u1eeb \u0111\u1ed3 ch\u01a1i, \u0111\u1ed3 d\u00f9ng gia \u0111\u00ecnh, \u0111\u1ed3 \u0103n \u0111\u1ec1u \u0111\u01b0\u1ee3c ch\u1ecb mua s\u1eafm tr\u1ef1c tuy\u1ebfn, thanh to\u00e1n qua th\u1ebb NH ho\u1eb7c v\u00ed \u0111i\u1ec7n t\u1eed.<\/span><\/p>\n

Nhi\u1ec1u NH kh\u00f4ng ng\u1eebng \u0111\u1ea7u t\u01b0 v\u1ec1 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng cho vi\u1ec7c k\u1ebft n\u1ed1i, tri\u1ec3n khai th\u00eam nhi\u1ec1u k\u00eanh thanh to\u00e1n m\u1edbi qua QR Code, th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac (contactless), b\u00ean c\u1ea1nh thanh to\u00e1n tr\u1ef1c tuy\u1ebfn qua th\u1ebb n\u1ed9i \u0111\u1ecba, th\u1ebb t\u00edn d\u1ee5ng, Internet Banking, Mobile\u2026 \u00d4ng Nguy\u1ec5n Minh T\u00e2m, Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c NH TMCP S\u00e0i G\u00f2n Th\u01b0\u01a1ng T\u00edn (Sacombank), cho bi\u1ebft hi\u1ec7n NH n\u00e0y \u0111ang ti\u1ebfp t\u1ee5c t\u0103ng c\u01b0\u1eddng v\u00e0 ho\u00e0n thi\u1ec7n vi\u1ec7c k\u1ebft n\u1ed1i th\u00eam ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t. Khi d\u1ecbch Covid-19 v\u1eabn ph\u1ee9c t\u1ea1p, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd m\u1edf t\u00e0i kho\u1ea3n t\u1eeb xa, ph\u01b0\u01a1ng th\u1ee9c x\u00e1c th\u1ef1c \u0111i\u1ec7n t\u1eed (eKYC) s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng, m\u1edf r\u1ed9ng thanh to\u00e1n qua QR code, thanh to\u00e1n m\u1ed9t ch\u1ea1m tr\u00ean di \u0111\u1ed9ng\u2026 h\u01b0\u1edbng t\u1edbi s\u1ef1 ti\u1ec7n l\u1ee3i cho ng\u01b0\u1eddi d\u00f9ng. “Kho\u1ea3ng 2 n\u0103m nay, khi c\u00e1c NH cho ra m\u1eaft th\u1ebb contactless (c\u1ea3 th\u1ebb n\u1ed9i \u0111\u1ecba v\u00e0 th\u1ebb t\u00edn d\u1ee5ng) \u0111\u1ed3ng th\u1eddi nhi\u1ec1u m\u00e1y POS \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 sau n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p t\u00ednh n\u0103ng \u0111\u1ecdc d\u00f2ng th\u1ebb n\u00e0y, gi\u00fap ch\u1ee7 th\u1ebb kh\u00f4ng c\u1ea7n ch\u1ea1m m\u00e0 v\u1eabn thanh to\u00e1n \u0111\u01b0\u1ee3c, h\u1ea1n ch\u1ebf ti\u1ebfp x\u00fac tr\u1ef1c ti\u1ebfp, nh\u1ea5t l\u00e0 khi c\u00f3 d\u1ecbch b\u1ec7nh” – \u00f4ng Nguy\u1ec5n Minh T\u00e2m ph\u00e2n t\u00edch.<\/span><\/p>\n

Sacombank \u0111\u00e3 ti\u00ean phong tri\u1ec3n khai c\u00f4ng ngh\u1ec7 thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac (contactless) v\u00e0 thanh to\u00e1n QR theo \u0111\u00fang chu\u1ea9n qu\u1ed1c t\u1ebf v\u1edbi m\u1ee5c ti\u00eau t\u1ed1i \u01b0u h\u00f3a ti\u1ec7n \u00edch, gia t\u0103ng t\u00ednh b\u1ea3o m\u1eadt v\u00e0 r\u00fat ng\u1eafn th\u1eddi gian thanh to\u00e1n cho ch\u1ee7 th\u1ebb. Ch\u1ee7 th\u1ebb contactless ch\u1ec9 c\u1ea7n ch\u1ea1m th\u1ebb kh\u00f4ng ti\u1ebfp x\u00fac l\u00ean m\u00e1y POS c\u00f3 c\u00f4ng ngh\u1ec7 n\u00e0y trong v\u00e0i gi\u00e2y \u0111\u1ec3 ho\u00e0n th\u00e0nh giao d\u1ecbch v\u00e0 kh\u00f4ng c\u1ea7n k\u00fd x\u00e1c nh\u1eadn c\u00e1c h\u00f3a \u0111\u01a1n t\u1eeb 1 tri\u1ec7u \u0111\u1ed3ng tr\u1edf xu\u1ed1ng. Kho\u1ea3ng 60% m\u00e1y POS c\u1ee7a Sacombank c\u0169ng \u0111\u00e3 \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 ch\u1ea1m n\u00e0y. Hi\u1ec7n Sacombank c\u0169ng \u0111\u00e3 ph\u00e1t h\u00e0nh d\u00f2ng th\u1ebb n\u1ed9i \u0111\u1ecba \u0111\u01b0\u1ee3c trang b\u1ecb chip EMV cho ph\u00e9p giao d\u1ecbch thanh to\u00e1n contactless (100% th\u1ebb chip \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh l\u00e0 contactless), qu\u00e9t m\u00e3 QR tr\u00ean di \u0111\u1ed9ng thay v\u00ec d\u00f9ng tr\u1ef1c ti\u1ebfp th\u1ebb nh\u1ef1a\u2026<\/span><\/p>\n

Kh\u00f4ng ch\u1ec9 c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i m\u00e0 nhi\u1ec1u \u0111\u01a1n v\u1ecb cung c\u1ea5p h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 nh\u01b0 c\u00e1c h\u00e3ng g\u1ecdi xe c\u00f4ng ngh\u1ec7, taxi, s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, DN l\u1edbn\u2026 c\u0169ng khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng li\u00ean k\u1ebft tr\u1ef1c ti\u1ebfp t\u00e0i kho\u1ea3n NH v\u1edbi t\u00e0i kho\u1ea3n th\u1ebb th\u00e0nh vi\u00ean c\u1ee7a DN \u0111\u1ec3 gia t\u0103ng ti\u1ec7n \u00edch trong thanh to\u00e1n. C\u00f4ng ty CP Thanh to\u00e1n qu\u1ed1c gia Vi\u1ec7t Nam (Napas) \u0111ang h\u1ed7 tr\u1ee3 c\u00e1c NH th\u01b0\u01a1ng m\u1ea1i th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i th\u1ebb n\u1ed9i \u0111\u1ecba (th\u1ebb c\u00f4ng ngh\u1ec7 t\u1eeb) sang th\u1ebb chip VCCS theo \u0111\u00fang l\u1ed9 tr\u00ecnh, li\u00ean th\u00f4ng v\u1edbi nh\u1eefng ng\u00e0nh kh\u00e1c nh\u01b0 giao th\u00f4ng, BHYT, BHXH gi\u00fap ng\u01b0\u1eddi d\u00e2n s\u1eed d\u1ee5ng th\u1ebb trong c\u00e1c thanh to\u00e1n nhu c\u1ea7u thi\u1ebft y\u1ebfu.\u00a0<\/span><\/p>\n

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Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd m\u1edf t\u00e0i kho\u1ea3n t\u1eeb xa, thanh to\u00e1n m\u1ed9t ch\u1ea1m tr\u00ean di \u0111\u1ed9ng Trong b\u1ed1i c\u1ea3nh d\u1ecbch Covid-19 \u0111ang ho\u00e0nh h\u00e0nh, ti\u1ec1n m\u1eb7t \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t trong nh\u1eefng ph\u01b0\u01a1ng ti\u1ec7n c\u00f3 th\u1ec3 g\u00e2y l\u00e2y nhi\u1ec5m virus cho c\u1ed9ng \u0111\u1ed3ng. V\u1edbi th\u1ef1c t\u1ebf \u1edf Vi\u1ec7t Nam, thanh to\u00e1n \u0111i\u1ec7n t\u1eed<\/p>","protected":false},"author":4,"featured_media":976,"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\/975"}],"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=975"}],"version-history":[{"count":1,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/975\/revisions"}],"predecessor-version":[{"id":978,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/975\/revisions\/978"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/976"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=975"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=975"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}