{"id":981,"date":"2020-03-11T09:28:51","date_gmt":"2020-03-11T02:28:51","guid":{"rendered":"https:\/\/bmpos.com.vn\/?p=981"},"modified":"2020-03-11T09:37:19","modified_gmt":"2020-03-11T02:37:19","slug":"thanh-toan-dien-tu-chiem-uu-the","status":"publish","type":"post","link":"https:\/\/bmpos.com.vn\/en\/thanh-toan-dien-tu-chiem-uu-the\/","title":{"rendered":"Thanh to\u00e1n \u0111i\u1ec7n t\u1eed chi\u1ebfm \u01b0u th\u1ebf"},"content":{"rendered":"

Nhi\u1ec1u ng\u01b0\u1eddi l\u1ef1a ch\u1ecdn thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t khi mua s\u1eafm h\u00e0ng h\u00f3a d\u1ecbch v\u1ee5 trong th\u1eddi \u0111i\u1ec3m d\u1ecbch Covid-19 l\u00e2y lan. Ng\u00e2n h\u00e0ng \u0111ua nhau gi\u1ea3m ph\u00ed k\u1ecbch s\u00e0n \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n t\u0103ng c\u01b0\u1eddng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed.<\/span><\/strong><\/p>\n

Thay \u0111\u1ed5i th\u00f3i quen, t\u00e2m l\u00fd ng\u01b0\u1eddi d\u00e2n<\/strong><\/span><\/div>\n
Nh\u1eb1m th\u00fac \u0111\u1ea9y thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t, NHNN quy\u1ebft \u0111\u1ecbnh mi\u1ec5n, gi\u1ea3m ph\u00ed d\u1ecbch v\u1ee5 t\u1eeb ng\u00e0y 25\/2 . Trong \u0111\u00f3, mi\u1ec5n ph\u00ed \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch thanh to\u00e1n tr\u1ef1c tuy\u1ebfn (online) c\u00e1c d\u1ecbch v\u1ee5 c\u00f4ng th\u1ef1c hi\u1ec7n tr\u00ean C\u1ed5ng d\u1ecbch v\u1ee5 c\u00f4ng qu\u1ed1c gia, C\u1ed5ng d\u1ecbch v\u1ee5 c\u00f4ng c\u1ee7a c\u00e1c b\u1ed9, ng\u00e0nh, \u0111\u1ecba ph\u01b0\u01a1ng. Ri\u00eang giao d\u1ecbch chuy\u1ec3n ti\u1ec1n nhanh li\u00ean ng\u00e2n h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb nh\u1ecf s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3m t\u1ed1i thi\u1ec3u l\u00e0 1.300 \u0111\u1ed3ng\/giao d\u1ecbch. NHNN c\u0169ng khuy\u1ebfn kh\u00edch c\u00e1c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n th\u1ef1c hi\u1ec7n m\u1ee9c ph\u00ed gi\u1ea3m l\u1edbn h\u01a1n m\u1ee9c ph\u00ed gi\u1ea3m c\u1ee7a C\u00f4ng ty CP Thanh to\u00e1n Qu\u1ed1c gia Vi\u1ec7t Nam (NAPAS) nh\u1eb1m h\u1ed7 tr\u1ee3 th\u1ecb tr\u01b0\u1eddng, th\u1ef1c hi\u1ec7n t\u1ed1t Ngh\u1ecb quy\u1ebft s\u1ed1 01\/NQ-CP v\u00e0 Ngh\u1ecb quy\u1ebft s\u1ed1 02\/NQ-CP n\u0103m 2020 c\u1ee7a Ch\u00ednh ph\u1ee7.<\/span><\/div>\n
NHNN Vi\u1ec7t Nam v\u1eeba cho bi\u1ebft d\u1ef1 ki\u1ebfn s\u1ebd tr\u00ecnh Ch\u00ednh ph\u1ee7 kh\u00f4ng \u0111\u01b0a t\u1ef7 l\u1ec7 gi\u1edbi h\u1ea1n (49%) v\u00e0o D\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ec3 thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 101\/2012\/N\u0110-CP. Theo c\u00e1c chuy\u00ean gia, n\u1ebfu d\u1ef1 th\u1ea3o ngh\u1ecb \u0111\u1ecbnh \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t, nh\u00e0 \u0111\u1ea7u t\u01b0 n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 n\u1eafm gi\u1eef s\u1ed1 v\u1ed1n cao h\u01a1n 49% t\u1ea1i c\u00e1c c\u00f4ng ty fintech trong l\u0129nh v\u1ef1c thanh to\u00e1n c\u1ee7a Vi\u1ec7t Nam. Nh\u01b0 v\u1eady cu\u1ed9c c\u1ea1nh tranh s\u1ebd kh\u1ed1c li\u1ec7t h\u01a1n v\u1ec1 chi\u1ec1u s\u00e2u nh\u01b0ng l\u1ea1i t\u1ea1o m\u1ed9t th\u1ecb tr\u01b0\u1eddng m\u1edf v\u00e0 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n.<\/span><\/div>\n
\n
Hi\u1ec7n c\u00e1c ng\u00e2n h\u00e0ng nh\u01b0 TPBank \u0111ang khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed nh\u01b0 Internet Banking, Open Banking\u2026 \u0111\u1ec3 ki\u1ec3m tra s\u1ed1 d\u01b0, chuy\u1ec3n ti\u1ec1n, thanh to\u00e1n h\u00f3a \u0111\u01a1n, thanh to\u00e1n th\u1ebb, g\u1eedi ti\u1ebft ki\u1ec7m m\u00e0 kh\u00f4ng ph\u1ea3i \u0111\u1ebfn ng\u00e2n h\u00e0ng. Hay SCB mi\u1ec5n ph\u00ed th\u01b0\u1eddng ni\u00ean d\u1ecbch v\u1ee5 eBanking v\u00e0 SMS bi\u1ebfn \u0111\u1ed9ng s\u1ed1 d\u01b0; mi\u1ec5n ph\u00ed chuy\u1ec3n ti\u1ec1n nhanh 24\/7, thanh to\u00e1n h\u00f3a \u0111\u01a1n v\u00e0 thanh to\u00e1n c\u00e1c ti\u1ec7n \u00edch kh\u00e1c\u2026 Tr\u01b0\u1edbc \u0111\u00f3, Ng\u00e2n h\u00e0ng Techcombank c\u0169ng \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch “Zero Free” cho t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch tr\u1ef1c tuy\u1ebfn qua F@st I-bank v\u00e0 F@st mobile\u2026<\/span><\/div>\n
Kh\u00f4ng kh\u00f3 \u0111\u1ec3 b\u1eaft g\u1eb7p tr\u00ean qu\u1ea7y thanh to\u00e1n t\u1ea1i c\u00e1c c\u1eeda h\u00e0ng, si\u00eau th\u1ecb\u2026 l\u00e0 h\u00e0ng lo\u1ea1t bi\u1ec3n th\u00f4ng b\u00e1o ch\u1ea5p nh\u1eadn thanh to\u00e1n b\u1eb1ng th\u1ebb, b\u1eb1ng v\u00ed \u0111i\u1ec7n t\u1eed, QR code\u2026 t\u1eeb nhi\u1ec1u nh\u00e0 cung c\u1ea5p kh\u00e1c nhau. Ch\u1ecb Nguy\u1ec5n Th\u1ecb Hoa (\u1edf qu\u1eadn Thanh Xu\u00e2n, H\u00e0 N\u1ed9i) \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean Ng\u00e2n h\u00e0ng BIDV th\u00f4ng b\u00e1o \u0111\u01b0\u1ee3c gi\u1ea3m 100% ph\u00ed giao d\u1ecbch qua ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed. \u201cC\u00f4 nh\u00e2n vi\u00ean c\u00f2n khuy\u1ebfn kh\u00edch m\u00ecnh tho\u1ea3i m\u00e1i mua \u0111\u1ed3 \u0103n, th\u1ee9c u\u1ed1ng v\u00e0 shopping online m\u00e0 kh\u00f4ng s\u1ee3 ph\u1ea3i ra \u0111\u01b0\u1eddng hay ch\u1ed7 \u0111\u00f4ng ng\u01b0\u1eddi\u201d – ch\u1ecb Hoa k\u1ec3. \u201cTr\u01b0\u1edbc \u0111\u00e2y, t\u00f4i c\u0169ng \u0111\u00e3 s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n tr\u00ean nh\u01b0ng v\u1eabn c\u00f3 th\u00f3i quen \u0111\u1ec3 ti\u1ec1n m\u1eb7t trong v\u00ed, tuy nhi\u00ean, \u0111\u1ebfn nay th\u00ec s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t c\u00e0ng \u00edt c\u00e0ng t\u1ed1t \u0111\u1ec3 ph\u00f2ng b\u1ec7nh\u201d – b\u00e0 Nguy\u1ec5n Thu Ph\u01b0\u1ee3ng, Hai B\u00e0 Tr\u01b0ng cho bi\u1ebft.<\/span><\/div>\n
Gia t\u0103ng d\u1ecbch v\u1ee5, \u0111\u1ea3m b\u1ea3o an to\u00e0n, b\u1ea3o m\u1eadt<\/strong><\/span><\/div>\n
C\u00e1c chuy\u00ean gia cho r\u1eb1ng, giao d\u1ecbch ti\u1ec1n m\u1eb7t c\u0169ng ti\u1ec1m \u1ea9n nguy c\u01a1 l\u00e2y lan d\u1ecbch Covid-19. \u0110\u00e2y \u0111\u01b0\u1ee3c coi l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty ph\u00e1t tri\u1ec3n v\u00ed \u0111i\u1ec7n t\u1eed… \u0111\u1ea9y m\u1ea1nh d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t theo ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Ch\u00ednh ph\u1ee7. Trong khi c\u00e1c trung t\u00e2m th\u01b0\u01a1ng m\u1ea1i tr\u1edf n\u00ean v\u1eafng v\u1ebb v\u00ec d\u1ecbch b\u1ec7nh, l\u01b0\u1ee3ng \u0111\u1eb7t h\u00e0ng tr\u00ean c\u00e1c website b\u00e1n h\u00e0ng tr\u1ef1c tuy\u1ebfn (Shoppee, Sendo, Tiki…) ti\u1ebfp t\u1ee5c t\u0103ng m\u1ea1nh nh\u01b0 th\u1eddi \u0111i\u1ec3m tr\u01b0\u1edbc T\u1ebft. S\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea c\u1ee7a v\u00ed MoMo t\u1eeb sau d\u1ecbp T\u1ebft Nguy\u00ean \u0111\u00e1n \u0111\u1ebfn nay cho th\u1ea5y, c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n (kh\u00f4ng bao g\u1ed3m ch\u01b0\u01a1ng tr\u00ecnh l\u00ec x\u00ec) qua v\u00ed t\u0103ng g\u1ea5p 2 l\u1ea7n; giao d\u1ecbch thanh to\u00e1n t\u1ea1i qu\u1ea7y (qu\u00e9t m\u00e3 thanh to\u00e1n) t\u0103ng 100% so v\u1edbi th\u1eddi \u0111i\u1ec3m tr\u01b0\u1edbc T\u1ebft. Theo Ph\u00f3 T\u1ed5ng Gi\u00e1m \u0111\u1ed1c Ng\u00e2n h\u00e0ng Sacombank Nguy\u1ec5n Minh T\u00e2m, thanh to\u00e1n qua c\u00e1c k\u00eanh kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t nh\u01b0 ATM, Internet Banking, Mobile Banking, Sacombank Pay\u2026 t\u0103ng kho\u1ea3ng 50% so v\u1edbi c\u00f9ng k\u1ef3 khi nhu c\u1ea7u thanh to\u00e1n c\u00e1 nh\u00e2n \u0111ang \u0111\u00e0 t\u0103ng cao.<\/span><\/div>\n
Kh\u00f4ng ch\u1ec9 mi\u1ec5n gi\u1ea3m ph\u00ed giao d\u1ecbch, c\u00e1c ng\u00e2n h\u00e0ng c\u00f2n nh\u00e2n c\u01a1 h\u1ed9i ra m\u1eaft c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 ph\u1ee5c v\u1ee5 cho thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t. T\u1ea1i BIDV, c\u00e1c kh\u00e1ch h\u00e0ng g\u1eedi ti\u1ec1n online qua BIDV Online, BIDV SmartBanking s\u1ebd \u0111\u01b0\u1ee3c c\u1ed9ng th\u00eam 0,2%\/n\u0103m l\u00e3i su\u1ea5t v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c k\u1ef3 h\u1ea1n so v\u1edbi l\u00e3i su\u1ea5t ni\u00eam y\u1ebft t\u1ea1i qu\u1ea7y giao d\u1ecbch. T\u1ea1i nhi\u1ec1u ng\u00e2n h\u00e0ng c\u0169ng \u0111\u1ea7u t\u01b0 m\u1ea1nh cho c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi, hi\u1ec7n \u0111\u1ea1i trong thanh to\u00e1n \u0111i\u1ec7n t\u1eed nh\u01b0 vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 x\u00e1c th\u1ef1c v\u00e2n tay, nh\u1eadn di\u1ec7n khu\u00f4n m\u1eb7t, s\u1eed d\u1ee5ng m\u00e3 ph\u1ea3n h\u1ed3i nhanh (QR Code), m\u00e3 h\u00f3a th\u00f4ng tin th\u1ebb (Tokenization), thanh to\u00e1n phi ti\u1ebfp x\u00fac, c\u00f4ng ngh\u1ec7 mPOS… g\u1eafn v\u1edbi \u0111\u1ea9y m\u1ea1nh thanh to\u00e1n qua \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng \u0111\u1ec3 v\u1eeba \u0111\u1ea3m b\u1ea3o t\u00ednh b\u1ea3o m\u1eadt, an to\u00e0n khi thanh to\u00e1n, v\u1eeba ph\u00f9 h\u1ee3p v\u1edbi xu th\u1ebf ph\u00e1t tri\u1ec3n tr\u00ean th\u1ebf gi\u1edbi v\u00e0 h\u00e0nh vi ng\u01b0\u1eddi ti\u00eau d\u00f9ng. Trong khi \u0111\u00f3, m\u1edbi \u0111\u00e2y, 20 ng\u00e2n h\u00e0ng tr\u00ean c\u1ea3 n\u01b0\u1edbc cho bi\u1ebft \u0111\u00e3 s\u1eb5n s\u00e0ng \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i th\u1ebb chip.<\/span><\/div>\n
B\u00e0 Nguy\u1ec5n T\u00fa Anh \u2013 Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng Qu\u1ea3n tr\u1ecb NAPAS cho bi\u1ebft, NAPAS \u0111\u00e3 th\u1ef1c hi\u1ec7n 5 l\u1ea7n \u0111i\u1ec1u ch\u1ec9nh, gi\u1ea3m t\u1edbi 80% ph\u00ed d\u1ecbch v\u1ee5 chuy\u1ec3n m\u1ea1ch (l\u1ea7n 1 v\u00e0o ng\u00e0y 1\/3\/2018, l\u1ea7n 2 v\u00e0o ng\u00e0y 1\/3\/2019, l\u1ea7n 3 v\u00e0o ng\u00e0y 1\/5\/2019, l\u1ea7n 4 v\u00e0o ng\u00e0y 1\/10\/2019 v\u00e0 l\u1ea7n 5 v\u00e0o 25\/2\/2020). N\u0103m 2020 l\u00e0 th\u1eddi \u0111i\u1ec3m \u0111\u1ea9y m\u1ea1nh thanh to\u00e1n d\u1ecbch v\u1ee5 c\u00f4ng theo ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a Ch\u00ednh ph\u1ee7, vi\u1ec7c \u00e1p d\u1ee5ng ch\u00ednh s\u00e1ch mi\u1ec5n ph\u00ed d\u1ecbch v\u1ee5 (m\u1ee9c thu 0 \u0111\u1ed3ng) l\u00e0 s\u1ef1 chia s\u1ebb tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng c\u0169ng nh\u01b0 NAPAS v\u1edbi c\u1ed9ng \u0111\u1ed3ng, v\u1edbi kh\u00e1ch h\u00e0ng. C\u00e1c giao d\u1ecbch kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t t\u0103ng l\u00ean kh\u00f4ng ch\u1ec9 g\u00f3p ph\u1ea7n thay \u0111\u1ed5i th\u00f3i quen ti\u00eau d\u00f9ng trong d\u00e2n c\u01b0 m\u00e0 c\u00f2n gi\u00fap c\u00e1c c\u01a1 quan ch\u00ednh ph\u1ee7 c\u1eaft gi\u1ea3m \u0111\u01b0\u1ee3c chi ph\u00ed qu\u1ea3n l\u00fd, v\u1eadn h\u00e0nh.<\/span><\/div>\n
( Ngu\u1ed3n: B\u00e1o Kinh t\u1ebf \u0111\u00f4 th\u1ecb)<\/div>\n<\/div>\n

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

Nhi\u1ec1u ng\u01b0\u1eddi l\u1ef1a ch\u1ecdn thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t khi mua s\u1eafm h\u00e0ng h\u00f3a d\u1ecbch v\u1ee5 trong th\u1eddi \u0111i\u1ec3m d\u1ecbch Covid-19 l\u00e2y lan. Ng\u00e2n h\u00e0ng \u0111ua nhau gi\u1ea3m ph\u00ed k\u1ecbch s\u00e0n \u0111\u1ec3 ng\u01b0\u1eddi d\u00e2n t\u0103ng c\u01b0\u1eddng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed. Thay \u0111\u1ed5i th\u00f3i quen, t\u00e2m l\u00fd ng\u01b0\u1eddi d\u00e2n Nh\u1eb1m th\u00fac<\/p>","protected":false},"author":4,"featured_media":918,"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\/981"}],"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=981"}],"version-history":[{"count":3,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/981\/revisions"}],"predecessor-version":[{"id":986,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/posts\/981\/revisions\/986"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media\/918"}],"wp:attachment":[{"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/media?parent=981"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/categories?post=981"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bmpos.com.vn\/en\/wp-json\/wp\/v2\/tags?post=981"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}