{"id":12168,"date":"2022-06-15T10:31:53","date_gmt":"2022-06-15T03:31:53","guid":{"rendered":"https:\/\/fintech.smartosc.com\/?p=12168"},"modified":"2022-12-07T15:10:49","modified_gmt":"2022-12-07T08:10:49","slug":"vi-sao-cac-ngan-hang-can-doi-moi-cong-nghe","status":"publish","type":"post","link":"https:\/\/fintech.smartosc.com\/vi\/vi-sao-cac-ngan-hang-can-doi-moi-cong-nghe\/","title":{"rendered":"V\u00ec sao c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7?"},"content":{"rendered":"<p>Trong b\u1ed1i c\u1ea3nh to\u00e0n c\u1ea7u h\u00f3a nh\u01b0 hi\u1ec7n nay, nh\u1eefng doanh nghi\u1ec7p kh\u00f4ng k\u1ecbp th\u1eddi n\u1eafm b\u1eaft c\u00f4ng ngh\u1ec7 \u0111\u1ec3 \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o s\u1ebd r\u1ea5t kh\u00f3 \u0111\u1ec3 c\u1ea1nh tranh v\u00e0 t\u1ea1o ra s\u1ef1 kh\u00e1c bi\u1ec7t. \u0110\u1eb7c bi\u1ec7t, tr\u01b0\u1edbc nh\u1eefng thay \u0111\u1ed5i kh\u00f4ng ng\u1eebng t\u1eeb cu\u1ed9c C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0, c\u00e1c doanh nghi\u1ec7p trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng c\u1ea7n ph\u1ea3i \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 \u0111\u1ec3 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng c\u0169ng nh\u01b0 h\u1ed9i nh\u1eadp to\u00e0n c\u1ea7u.<\/p>\n\n\n\n<h2><strong>\u0110\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 l\u00e0 g\u00ec?<\/strong><\/h2>\n\n\n\n<p>\u0110\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 <strong>(technological innovation)<\/strong> l\u00e0 vi\u1ec7c doanh nghi\u1ec7p ch\u1ee7 \u0111\u1ed9ng thay th\u1ebf m\u1ed9t ph\u1ea7n hay to\u00e0n b\u1ed9 c\u00f4ng ngh\u1ec7 \u0111ang s\u1eed d\u1ee5ng b\u1eb1ng m\u1ed9t c\u00f4ng ngh\u1ec7 kh\u00e1c ti\u00ean ti\u1ebfn v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n nh\u1eb1m n\u00e2ng cao n\u0103ng su\u1ea5t, ch\u1ea5t l\u01b0\u1ee3ng, hi\u1ec7u qu\u1ea3, t\u1ea1o ra s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 m\u1edbi ph\u1ee5c v\u1ee5 nhu c\u1ea7u th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-9.jpeg\" alt=\"V\u00cc SAO C\u00c1C NG\u00c2N H\u00c0NG C\u1ea6N \u0110\u1ed4I M\u1edaI C\u00d4NG NGH\u1ec6?\" class=\"wp-image-12171\" width=\"700\" srcset=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-9.jpeg 960w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-9-768x440.jpeg 768w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-9-18x10.jpeg 18w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-9-200x115.jpeg 200w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/figure><\/div>\n\n\n\n<p>\u0110\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 l\u00e0 ph\u00e1t minh ho\u1eb7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 ho\u00e0n to\u00e0n m\u1edbi m\u00e0 tr\u01b0\u1edbc nay ch\u01b0a t\u1eebng xu\u1ea5t hi\u1ec7n tr\u00ean th\u1ecb tr\u01b0\u1eddng.&nbsp;<\/p>\n\n\n\n<h2><strong>V\u00ec sao c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7?<\/strong><\/h2>\n\n\n\n<p>S\u1ef1 ph\u00e1t tri\u1ec3n th\u1ea7n t\u1ed1c c\u1ee7a c\u00f4ng ngh\u1ec7 th\u00f4ng tin, h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt, m\u1ea1ng l\u01b0\u1edbi Internet c\u00f9ng v\u1edbi s\u1ef1 lan t\u1ecfa c\u1ee7a c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 to\u00e0n c\u1ea7u \u0111\u00e3 th\u00fac \u0111\u1ea9y s\u1ef1 thay \u0111\u1ed5i nhanh ch\u00f3ng nhi\u1ec1u l\u0129nh v\u1ef1c. Robot t\u1ef1 \u0111\u1ed9ng, tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI), Internet v\u1ea1n v\u1eadt (IoT), <strong>\u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y (Cloud computing)<\/strong>, ph\u00e2n t\u00edch d\u1eef li\u1ec7u l\u1edbn (Big data analytic) v\u00e0 c\u00f4ng ngh\u1ec7 in 3D s\u1ebd l\u00e0 nh\u1eefng c\u00f4ng ngh\u1ec7 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd trong t\u01b0\u01a1ng lai. V\u00e0 ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t trong c\u00e1c l\u0129nh v\u1ef1c ch\u1ecbu nhi\u1ec1u t\u00e1c \u0111\u1ed9ng m\u1edbi c\u1ee7a xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7 n\u00e0y.<\/p>\n\n\n\n<p>B\u00ean c\u1ea1nh \u0111\u00f3, vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 c\u00f2n xu\u1ea5t ph\u00e1t t\u1eeb nh\u1eefng l\u00fd do ch\u00ednh nh\u01b0 sau:&nbsp;<\/p>\n\n\n\n<h3><strong>S\u1ef1 thay \u0111\u1ed5i nhu c\u1ea7u nhanh ch\u00f3ng c\u1ee7a ng\u01b0\u1eddi d\u00f9ng<\/strong><\/h3>\n\n\n\n<p>M\u1ea1ng l\u01b0\u1edbi Internet ph\u00e1t tri\u1ec3n t\u1ea1o ra nhi\u1ec1u k\u00eanh \u0111\u1ec3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 tham gia v\u00e0o c\u00e1c giao d\u1ecbch, t\u01b0\u01a1ng t\u00e1c v\u1edbi ng\u00e2n h\u00e0ng. Theo Economic Times, \u0111\u1ea1i d\u1ecbch Covid 19 \u0111\u00e3 \u0111\u1ecbnh h\u00ecnh l\u1ea1i ho\u00e0n to\u00e0n c\u00e1ch m\u1ecdi ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n m\u1ecdi th\u1ee9 trong cu\u1ed9c s\u1ed1ng c\u1ee7a h\u1ecd. Ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 xu h\u01b0\u1edbng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 chuy\u1ec3n d\u1ecbch m\u1ea1nh t\u1eeb \u201coffline\u201d sang \u201conline\u201d.<\/p>\n\n\n\n<p>\u0110i\u1ec1u n\u00e0y \u0111\u00e3 th\u00fac \u0111\u1ea9y c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n c\u00f3 nh\u1eefng \u0111\u1ed5i m\u1edbi v\u1ec1 quy tr\u00ecnh, s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 \u0111\u1ec3 th\u1ecfa m\u00e3n nhu c\u1ea7u v\u00e0 t\u0103ng tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.&nbsp;<\/p>\n\n\n\n<h3><strong>C\u1ea1nh tranh gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng<\/strong><\/h3>\n\n\n\n<p>Vi\u1ec7c thu h\u00fat ng\u01b0\u1eddi d\u00f9ng m\u1edbi v\u00e0 khai th\u00e1c nh\u1eefng nhu c\u1ea7u ti\u1ec1m \u1ea9n c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 \u0111i\u1ec1u m\u00e0 ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng mong mu\u1ed1n h\u01b0\u1edbng t\u1edbi. N\u1ebfu kh\u00f4ng c\u00f3 nh\u1eefng \u0111\u1ed5i m\u1edbi nh\u1eb1m n\u00e2ng cao tr\u1ea3i nghi\u1ec7m d\u1ecbch v\u1ee5, ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ec5 d\u00e0ng thay \u0111\u1ed5i ng\u00e2n h\u00e0ng, do \u0111\u00f3 \u00e1p l\u1ef1c c\u1ea1nh tranh gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u1edbi nhau ng\u00e0y c\u00e0ng t\u0103ng cao.<\/p>\n\n\n\n<h3><strong>S\u1ef1 xu\u1ea5t hi\u1ec7n c\u00e1c s\u1ea3n ph\u1ea9m k\u1ef9 thu\u1eadt s\u1ed1 t\u1eeb c\u00f4ng ty Fintech<\/strong><\/h3>\n\n\n\n<p>C\u00e1c c\u00f4ng ty Fintech cung c\u1ea5p c\u00e1c c\u00e1ch th\u1ee9c m\u1edbi \u0111\u1ec3 n\u00e2ng cao c\u00e1c d\u1ecbch v\u1ee5 m\u00e0 ng\u00e2n h\u00e0ng cung c\u1ea5p cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng. C\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng gi\u00fap kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 xem th\u1eddi gian th\u1ef1c v\u1ec1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o gi\u00fap b\u1ea3o m\u1eadt ch\u1ed1ng gian l\u1eadn.<\/p>\n\n\n\n<p>\u1ee8ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed c\u1ee7a Fintech c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m doanh s\u1ed1 c\u00e1c d\u1ecbch v\u1ee5 x\u1eed l\u00fd giao d\u1ecbch, ho\u1eb7c \u1ee9ng d\u1ee5ng cho vay ngang h\u00e0ng c\u00f3 th\u1ec3 c\u1ea1nh tranh v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 huy \u0111\u1ed9ng v\u1ed1n, cho vay hi\u1ec7n t\u1ea1i c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-8.jpeg\" alt=\"V\u00cc SAO C\u00c1C NG\u00c2N H\u00c0NG C\u1ea6N \u0110\u1ed4I M\u1edaI C\u00d4NG NGH\u1ec6?\" class=\"wp-image-12170\" width=\"700\" srcset=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-8.jpeg 960w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-8-768x440.jpeg 768w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-8-18x10.jpeg 18w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-8-200x115.jpeg 200w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/figure><\/div>\n\n\n\n<h2><strong>Th\u1ef1c tr\u1ea1ng \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam<\/strong><\/h2>\n\n\n\n<p>T\u1ea1i Vi\u1ec7t Nam, c\u00f9ng v\u1edbi s\u1ef1 \u0111\u1ed5i m\u1edbi v\u00e0 linh ho\u1ea1t h\u01a1n trong c\u00e1c ch\u00ednh s\u00e1ch, c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m c\u00f3 ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh kh\u1eafc ph\u1ee5c \u0111\u01b0\u1ee3c nhi\u1ec1u kh\u00f3 kh\u0103n, t\u1eeb \u0111\u00f3 t\u1eebng b\u01b0\u1edbc t\u1ea1o \u0111i\u1ec1u ki\u1ec7n chuy\u1ec3n \u0111\u1ed5i \u0111\u1ed9t ph\u00e1 cho c\u00e1c doanh nghi\u1ec7p ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n<p>Theo m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t do Ernst &amp; Young th\u1ef1c hi\u1ec7n g\u1ea7n \u0111\u00e2y, trong \u0111\u00f3 42% ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 s\u1eb5n s\u00e0ng cho qu\u00e1 tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 trong b\u1ed1i c\u1ea3nh s\u1ed1 h\u00f3a nh\u01b0 hi\u1ec7n nay. Trong khi \u0111\u00f3, c\u00f3 28% ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u01b0a chi\u1ebfn l\u01b0\u1ee3c s\u1ed1 h\u00f3a v\u00e0o ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p>N\u0103m 2021, Ng\u00e2n h\u00e0ng Qu\u1ed1c T\u1ebf VIB tr\u1edf th\u00e0nh m\u1ed9t trong nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u1ea7u ti\u00ean \u1edf Vi\u1ec7t Nam tri\u1ec3n khai n\u1ec1n t\u1ea3ng <strong>\u0111i\u1ec7n to\u00e1n \u0111a \u0111\u00e1m m\u00e2y (multi-cloud)<\/strong> nh\u1eb1m th\u00fac \u0111\u1ea9y ti\u1ebfn tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 s\u00e1ng t\u1ea1o, mang l\u1ea1i tr\u1ea3i nghi\u1ec7m s\u1ed1 ng\u00e0y m\u1ed9t \u0111a d\u1ea1ng c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n<p>Kh\u00f4ng nh\u1eefng v\u1eady VIB v\u1eeba ch\u00ednh th\u1ee9c ra m\u1eaft Ng\u00e2n h\u00e0ng di \u0111\u1ed9ng MyVIB phi\u00ean b\u1ea3n 2.0 v\u1edbi c\u00f4ng ngh\u1ec7 Th\u1ef1c t\u1ebf t\u0103ng c\u01b0\u1eddng (AR) v\u00e0 Cloud &#8211; native l\u1ea7n \u0111\u1ea7u ti\u00ean \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng tr\u00ean Ng\u00e2n h\u00e0ng s\u1ed1 t\u1ea1i Vi\u1ec7t Nam. \u0110\u1eb7c bi\u1ec7t, gi\u1ea3i ph\u00e1p AI Voice banking c\u00f3 kh\u1ea3 n\u0103ng x\u1eed l\u00fd ng\u00f4n ng\u1eef t\u1ef1 nhi\u00ean (NLP), chuy\u1ec3n \u0111\u1ed5i Speech to Text v\u00e0 Text to Speech nhanh ch\u00f3ng s\u1ebd gi\u00fap ng\u01b0\u1eddi d\u00f9ng giao d\u1ecbch d\u1ec5 d\u00e0ng m\u00e0 kh\u00f4ng c\u1ea7n ch\u1ea1m tay.<\/p>\n\n\n\n<p>Nh\u1eafc \u0111\u1ebfn \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 ti\u00ean phong trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng kh\u00f4ng th\u1ec3 kh\u00f4ng nh\u1eafc t\u1edbi \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 AI trong gi\u1ea3i ph\u00e1p eKYC c\u1ee7a VPbank. S\u1ea3n ph\u1ea9m gi\u00fap \u0111\u1ecbnh danh tr\u1ef1c tuy\u1ebfn 100% d\u1ef1a tr\u00ean c\u00e1c c\u00f4ng ngh\u1ec7 nh\u01b0 x\u00e1c th\u1ef1c khu\u00f4n m\u1eb7t, nh\u1eadn di\u1ec7n kh\u00e1ch h\u00e0ng qua AI, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd m\u1edf m\u1edbi t\u00e0i kho\u1ea3n tr\u1ef1c tuy\u1ebfn v\u00e0 giao d\u1ecbch ngay tr\u00ean SmartBanking m\u1ecdi l\u00fac, m\u1ecdi n\u01a1i m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ebfn qu\u1ea7y giao d\u1ecbch ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n<p>B\u00ean c\u1ea1nh \u0111\u00f3 vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n s\u1ed1 \u0111\u1eb9p b\u1eb1ng c\u00f4ng ngh\u1ec7 eKYC \u0111\u01b0\u1ee3c xem l\u00e0 s\u00e1ng t\u1ea1o m\u1edbi \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u00e2n h\u00e0ng \u00e1p d\u1ee5ng nh\u01b0 Vietinbank, BIDV,&#8230; mang \u0111\u1ebfn nh\u1eefng gi\u00e1 tr\u1ecb v\u00e0 tr\u1ea3i nghi\u1ec7m \u0111\u1ed9c \u0111\u00e1o cho ng\u01b0\u1eddi d\u00f9ng.<\/p>\n\n\n\n<h2><strong>Gi\u1ea3i ph\u00e1p th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full is-resized\"><img src=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-7.jpeg\" alt=\"V\u00cc SAO C\u00c1C NG\u00c2N H\u00c0NG C\u1ea6N \u0110\u1ed4I M\u1edaI C\u00d4NG NGH\u1ec6?\" class=\"wp-image-12169\" width=\"700\" srcset=\"https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-7.jpeg 960w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-7-768x440.jpeg 768w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-7-18x10.jpeg 18w, https:\/\/fintech.smartosc.com\/wp-content\/uploads\/2022\/06\/image-7-200x115.jpeg 200w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/figure><\/div>\n\n\n\n<p><strong>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 gi\u1ea3i ph\u00e1p v\u00e0 \u1ee9ng d\u1ee5ng nh\u1eb1m th\u00fac \u0111\u1ea9y trong qu\u00e1 tr\u00ecnh \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng:<\/strong><\/p>\n\n\n\n<ul><li>\u1ee8ng d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p thanh to\u00e1n \u0111i\u1ec7n t\u1eed t\u1eeb c\u00e1c c\u00f4ng ty Fintech nh\u01b0 c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed, th\u1ebb \u0111i\u1ec7n t\u1eed ho\u1eb7c v\u00ed \u0111i\u1ec7n t\u1eed s\u1ebd mang l\u1ea1i s\u1ef1 ti\u1ec7n l\u1ee3i, nhanh ch\u00f3ng v\u1edbi t\u00ednh b\u1ea3o m\u1eadt cao v\u00e0 gi\u1ea3m thi\u1ec3u chi ph\u00ed v\u1eadn h\u00e0nh c\u1ee7a ng\u00e2n h\u00e0ng.<\/li><\/ul>\n\n\n\n<ul><li>\u1ee8ng d\u1ee5ng r\u1ed9ng r\u00e3i c\u00f4ng ngh\u1ec7 <strong>Blockchain<\/strong> trong ng\u00e0nh ng\u00e2n h\u00e0ng, khi \u0111\u00f3 c\u00e1c giao d\u1ecbch ti\u1ec1n \u0111i\u1ec7n t\u1eed di\u1ec5n ra nhanh ch\u00f3ng ch\u1ec9 m\u1ea5t d\u01b0\u1edbi 1 gi\u00e2y m\u00e0 v\u1eabn \u0111\u1ea3m b\u1ea3o b\u1ea3o m\u1eadt cao h\u01a1n c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i.<\/li><\/ul>\n\n\n\n<ul><li>\u1ee8ng d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro gian l\u1eadn trong c\u00e1c giao d\u1ecbch ng\u00e2n h\u00e0ng \u0111\u1ed3ng th\u1eddi c\u00e1 nh\u00e2n h\u00f3a tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.&nbsp;<\/li><\/ul>\n\n\n\n<ul><li>\u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 sinh tr\u1eafc h\u1ecdc v\u00e0 internet v\u1ea1n v\u1eadt (IoT) \u0111\u1ec3 nh\u1eadn di\u1ec7n gi\u1ecdng n\u00f3i, khu\u00f4n m\u1eb7t, v\u00e2n tay\u2026 gi\u00fap t\u0103ng t\u00ednh b\u1ea3o m\u1eadt v\u00e0 t\u0103ng t\u1ed1c \u0111\u1ed9 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch theo c\u1ea5p s\u1ed1 nh\u00e2n.<\/li><\/ul>\n\n\n\n<ul><li>\u1ee8ng d\u1ee5ng d\u1eef li\u1ec7u l\u1edbn (Big Data) v\u00e0 khoa h\u1ecdc d\u1eef li\u1ec7u gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng ph\u00e2n t\u00edch d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng trong kho\u1ea3ng th\u1eddi gian d\u00e0i, t\u1eeb \u0111\u00f3 c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n nhu c\u1ea7u c\u1ee7a t\u1eebng kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c.<\/li><\/ul>\n\n\n\n<p>\u0110\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 l\u00e0 y\u00eau c\u1ea7u t\u1ea5t y\u1ebfu v\u00e0 c\u1ea7n thi\u1ebft mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch to l\u1edbn cho c\u00e1c t\u1ed5 ch\u1ee9c trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng. V\u1edbi nhi\u1ec1u n\u0103m kinh nghi\u1ec7m, <strong>SmartOSC<\/strong> cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n l\u1ed9 tr\u00ecnh, t\u01b0 v\u1ea5n tri\u1ec3n khai ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau kinh doanh v\u00e0 \u0111\u1ed3ng h\u00e0nh \u0111\u1ed5i m\u1edbi c\u00f9ng c\u00e1c doanh nghi\u1ec7p, t\u1ed5 ch\u1ee9c trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc. H\u00e3y <a href=\"https:\/\/fintech.smartosc.com\/vi\/lien-he\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>li\u00ean h\u1ec7 ngay<\/strong><\/a> v\u1edbi \u0111\u1ed9i ng\u0169 chuy\u00ean gia c\u1ee7a ch\u00fang t\u00f4i \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u1ec1 c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 trong ng\u00e0nh ng\u00e2n h\u00e0ng ph\u00f9 h\u1ee3p, hi\u1ec7u qu\u1ea3, v\u00e0 t\u1ed1i \u01b0u chi ph\u00ed nh\u1ea5t.<\/p>","protected":false},"excerpt":{"rendered":"<p>Trong b\u1ed1i c\u1ea3nh to\u00e0n c\u1ea7u h\u00f3a nh\u01b0 hi\u1ec7n nay, nh\u1eefng doanh nghi\u1ec7p kh\u00f4ng k\u1ecbp th\u1eddi n\u1eafm b\u1eaft c\u00f4ng ngh\u1ec7 \u0111\u1ec3 \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o s\u1ebd r\u1ea5t kh\u00f3 \u0111\u1ec3 c\u1ea1nh tranh v\u00e0 t\u1ea1o ra s\u1ef1 kh\u00e1c bi\u1ec7t. \u0110\u1eb7c bi\u1ec7t, tr\u01b0\u1edbc nh\u1eefng thay \u0111\u1ed5i kh\u00f4ng ng\u1eebng t\u1eeb cu\u1ed9c C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0, c\u00e1c doanh nghi\u1ec7p trong [&hellip;]<\/p>","protected":false},"author":4,"featured_media":12172,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":""},"categories":[60],"tags":[651,682,703,652,405,637,1050,632,708],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>V\u00ec sao c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7? 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