{"id":26222,"date":"2025-02-18T10:39:28","date_gmt":"2025-02-18T03:39:28","guid":{"rendered":"http:\/\/infina.vn\/blog\/?p=26222"},"modified":"2025-02-18T10:44:58","modified_gmt":"2025-02-18T03:44:58","slug":"open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc","status":"publish","type":"post","link":"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/","title":{"rendered":"Open Banking t\u1ea1i Vi\u1ec7t Nam: C\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c"},"content":{"rendered":"\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-top\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;26222&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;2&quot;,&quot;greet&quot;:&quot;\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Open Banking t\u1ea1i Vi\u1ec7t Nam: C\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 2px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 t\u1ea1i \u0111\u00e2y<\/span>\n    <\/div>\n    <\/div>\n<p><strong>Open Banking \u0111ang thay \u0111\u1ed5i c\u00e1ch ng\u00e2n h\u00e0ng v\u00e0 fintech ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam.<\/strong> \u0110\u00e2y l\u00e0 m\u1ed9t xu h\u01b0\u1edbng m\u1edbi, h\u1ee9a h\u1eb9n nhi\u1ec1u c\u01a1 h\u1ed9i nh\u01b0ng c\u0169ng \u0111\u1ed1i m\u1eb7t v\u1edbi kh\u00f4ng \u00edt th\u00e1ch th\u1ee9c:<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_73 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#Co_hoi\" title=\"C\u01a1 h\u1ed9i:\">C\u01a1 h\u1ed9i:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#Thach_thuc\" title=\"Th\u00e1ch th\u1ee9c:\">Th\u00e1ch th\u1ee9c:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#So_sanh_nhanh\" title=\"So s\u00e1nh nhanh:\">So s\u00e1nh nhanh:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#1_BIDV_Paygate\" title=\"1. BIDV Paygate\">1. BIDV Paygate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#2_VPBank_NEO\" title=\"2. VPBank NEO\">2. VPBank NEO<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#3_Infina\" title=\"3. Infina\">3. Infina<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#Diem_manh_va_han_che\" title=\"\u0110i\u1ec3m m\u1ea1nh v\u00e0 h\u1ea1n ch\u1ebf\">\u0110i\u1ec3m m\u1ea1nh v\u00e0 h\u1ea1n ch\u1ebf<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#Thach_thuc_chung_cua_thi_truong\" title=\"Th\u00e1ch th\u1ee9c chung c\u1ee7a th\u1ecb tr\u01b0\u1eddng\">Th\u00e1ch th\u1ee9c chung c\u1ee7a th\u1ecb tr\u01b0\u1eddng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#Trien_vong_phat_trien\" title=\"Tri\u1ec3n v\u1ecdng ph\u00e1t tri\u1ec3n\">Tri\u1ec3n v\u1ecdng ph\u00e1t tri\u1ec3n<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#Tong_ket_va_buoc_tiep_theo\" title=\"T\u1ed5ng k\u1ebft v\u00e0 b\u01b0\u1edbc ti\u1ebfp theo\">T\u1ed5ng k\u1ebft v\u00e0 b\u01b0\u1edbc ti\u1ebfp theo<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#Dinh_huong_cho_ngan_hang\" title=\"\u0110\u1ecbnh h\u01b0\u1edbng cho ng\u00e2n h\u00e0ng\">\u0110\u1ecbnh h\u01b0\u1edbng cho ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#Vai_tro_cua_co_quan_quan_ly\" title=\"Vai tr\u00f2 c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd\">Vai tr\u00f2 c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#Co_hoi_cho_cong_ty_fintech\" title=\"C\u01a1 h\u1ed9i cho c\u00f4ng ty fintech\">C\u01a1 h\u1ed9i cho c\u00f4ng ty fintech<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/infina.vn\/blog\/open-banking-tai-viet-nam-co-hoi-va-thach-thuc-tc\/#Trien_vong_phat_trien-2\" title=\"Tri\u1ec3n v\u1ecdng ph\u00e1t tri\u1ec3n\">Tri\u1ec3n v\u1ecdng ph\u00e1t tri\u1ec3n<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Co_hoi\"><\/span>C\u01a1 h\u1ed9i:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>D\u1ecbch v\u1ee5 c\u00e1 nh\u00e2n h\u00f3a:<\/strong> T\u0103ng tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng.<\/li>\n<li><strong>M\u1edf r\u1ed9ng t\u00e0i ch\u00ednh:<\/strong> Ti\u1ebfp c\u1eadn nhi\u1ec1u nh\u00f3m kh\u00e1ch h\u00e0ng h\u01a1n.<\/li>\n<li><strong>Doanh thu m\u1edbi:<\/strong> H\u1ee3p t\u00e1c ch\u1eb7t ch\u1ebd v\u1edbi fintech.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Thach_thuc\"><\/span>Th\u00e1ch th\u1ee9c:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li><strong>Thi\u1ebfu khung ph\u00e1p l\u00fd:<\/strong> Ch\u01b0a c\u00f3 quy \u0111\u1ecbnh \u0111\u1ea7y \u0111\u1ee7.<\/li>\n<li><strong>B\u1ea3o m\u1eadt d\u1eef li\u1ec7u:<\/strong> R\u1ee7i ro v\u1ec1 quy\u1ec1n ri\u00eang t\u01b0.<\/li>\n<li><strong>Chu\u1ea9n h\u00f3a API:<\/strong> Kh\u00f3 kh\u0103n khi t\u00edch h\u1ee3p k\u1ef9 thu\u1eadt.<\/li>\n<\/ul>\n<p>Ba gi\u1ea3i ph\u00e1p n\u1ed5i b\u1eadt trong Open Banking t\u1ea1i Vi\u1ec7t Nam:<\/p>\n<ol>\n<li><strong>BIDV Paygate<\/strong><strong>:<\/strong> K\u1ebft n\u1ed1i h\u01a1n 2.000 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 qua 150 API.<\/li>\n<li><strong>VPBank NEO<\/strong><strong>:<\/strong> N\u1ec1n t\u1ea3ng ng\u00e2n h\u00e0ng s\u1ed1 v\u1edbi 3 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng.<\/li>\n<li><strong><a href=\"https:\/\/infina.vn\" data-internallinksmanager029f6b8e52c=\"2\" title=\"Infina\" target=\"_blank\" rel=\"noopener\">Infina<\/a><\/strong><strong>:<\/strong> H\u1ed7 tr\u1ee3 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n v\u1edbi m\u1ee9c kh\u1edfi \u0111\u1ea7u t\u1eeb 50.000 VN\u0110.<\/li>\n<\/ol>\n<h3><span class=\"ez-toc-section\" id=\"So_sanh_nhanh\"><\/span>So s\u00e1nh nhanh:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Ti\u00eau ch\u00ed<\/th>\n<th colspan=\"1\" rowspan=\"1\">BIDV Paygate<\/th>\n<th colspan=\"1\" rowspan=\"1\">VPBank NEO<\/th>\n<th colspan=\"1\" rowspan=\"1\">Infina<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><strong>\u0110i\u1ec3m m\u1ea1nh ch\u00ednh<\/strong><\/td>\n<td colspan=\"1\" rowspan=\"1\">K\u1ebft n\u1ed1i \u0111\u1ed1i t\u00e1c r\u1ed9ng kh\u1eafp<\/td>\n<td colspan=\"1\" rowspan=\"1\">C\u00f4ng ngh\u1ec7 linh ho\u1ea1t, AI h\u1ed7 tr\u1ee3<\/td>\n<td colspan=\"1\" rowspan=\"1\">\u0110\u1ea7u t\u01b0 d\u1ec5 d\u00e0ng, b\u1ea3o m\u1eadt cao<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><strong>H\u1ea1n ch\u1ebf<\/strong><\/td>\n<td colspan=\"1\" rowspan=\"1\">Chu\u1ea9n h\u00f3a API c\u00f2n kh\u00f3 kh\u0103n<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ch\u01b0a t\u00edch h\u1ee3p s\u00e2u v\u1edbi h\u1ec7 th\u1ed1ng kh\u00e1c<\/td>\n<td colspan=\"1\" rowspan=\"1\">Ph\u1ee5 thu\u1ed9c v\u00e0o quy \u0111\u1ecbnh ph\u00e1p l\u00fd<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>K\u1ebft lu\u1eadn:<\/strong> Open Banking t\u1ea1i Vi\u1ec7t Nam c\u1ea7n s\u1ef1 ph\u1ed1i h\u1ee3p gi\u1eefa ng\u00e2n h\u00e0ng, fintech v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd \u0111\u1ec3 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd h\u01a1n.<\/p>\n<div class=\"sb-iframe-wrapper\" contenteditable=\"false\"><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_BIDV_Paygate\"><\/span>1. BIDV Paygate<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" contenteditable=\"false\" draggable=\"true\" src=\"https:\/\/mars-images.imgix.net\/seobot\/screenshots\/bidv.com.vn-676910ab3696f64be721222e13a0d212-2025-02-16.jpg?auto=compress\" alt=\"BIDV Paygate\" title=\"\"><\/p>\n<p>Ng\u00e0y 29\/11\/2023, BIDV Paygate ch\u00ednh th\u1ee9c ra m\u1eaft, k\u1ebft n\u1ed1i h\u01a1n 2.000 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u1edbi h\u01a1n 150 API \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang cho t\u1eebng ph\u00e2n kh\u00fac. \u0110\u00e2y \u0111\u01b0\u1ee3c xem l\u00e0 n\u1ec1n t\u1ea3ng s\u1ed1 quan tr\u1ecdng d\u00e0nh cho c\u00e1c \u0111\u1ed1i t\u00e1c trong l\u0129nh v\u1ef1c fintech.<\/p>\n<p>Sau 2 th\u00e1ng tri\u1ec3n khai, k\u1ebft qu\u1ea3 \u0111\u1ea1t \u0111\u01b0\u1ee3c bao g\u1ed3m:<\/p>\n<ul>\n<li>5.000 l\u01b0\u1ee3t th\u1eed nghi\u1ec7m v\u00e0 30 \u0111\u01a1n v\u1ecb \u0111\u00e3 t\u00edch h\u1ee3p.<\/li>\n<li>Vi\u1ec7c tri\u1ec3n khai d\u1ecbch v\u1ee5 m\u1edbi b\u1ecb ch\u1eadm do ch\u01b0a c\u00f3 quy chu\u1ea9n ph\u00e1p l\u00fd r\u00f5 r\u00e0ng.<\/li>\n<li>Chi ph\u00ed b\u1ea3o m\u1eadt h\u1ec7 th\u1ed1ng t\u0103ng 40% so v\u1edbi d\u1ef1 ki\u1ebfn ban \u0111\u1ea7u.<\/li>\n<li>M\u1ea5t 6 th\u00e1ng \u0111\u1ec3 \u0111\u1ed3ng b\u1ed9 API v\u1edbi 15 \u0111\u1ed1i t\u00e1c l\u1edbn.<\/li>\n<\/ul>\n<p>Nh\u1eefng kh\u00f3 kh\u0103n n\u00e0y cho th\u1ea5y c\u00e1c th\u00e1ch th\u1ee9c chung m\u00e0 Open Banking t\u1ea1i Vi\u1ec7t Nam \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t, \u0111\u00f2i h\u1ecfi s\u1ef1 c\u00e2n b\u1eb1ng gi\u1eefa \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro.<\/p>\n<p>\u0110\u1ec3 gi\u1ea3i quy\u1ebft, BIDV \u0111\u00e3 \u0111\u1ea7u t\u01b0 2 tri\u1ec7u USD nh\u1eb1m n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng b\u1ea3o m\u1eadt \u0111\u1ea1t ti\u00eau chu\u1ea9n ISO 27001. N\u1ec1n t\u1ea3ng n\u00e0y kh\u00f4ng ch\u1ec9 t\u0103ng c\u01b0\u1eddng h\u1ee3p t\u00e1c gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7, fintech m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh s\u1ed1 \u0111a d\u1ea1ng t\u1ea1i Vi\u1ec7t Nam.<\/p>\n<p>Th\u00e0nh c\u00f4ng b\u01b0\u1edbc \u0111\u1ea7u c\u1ee7a BIDV Paygate \u0111\u00e3 m\u1edf \u0111\u01b0\u1eddng cho c\u00e1c m\u00f4 h\u00ecnh t\u01b0\u01a1ng t\u1ef1, nh\u01b0 VPBank NEO, s\u1ebd \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch trong ph\u1ea7n ti\u1ebfp theo.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_VPBank_NEO\"><\/span>2. VPBank NEO<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>VPBank NEO hi\u1ec7n c\u00f3 3 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng v\u00e0 x\u1eed l\u00fd kho\u1ea3ng 30 tri\u1ec7u giao d\u1ecbch m\u1ed7i th\u00e1ng. \u0110\u00e2y l\u00e0 m\u1ed9t n\u1ec1n t\u1ea3ng k\u1ebft h\u1ee3p d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p s\u1ed1 hi\u1ec7n \u0111\u1ea1i.<\/p>\n<p>V\u1ec1 k\u1ef9 thu\u1eadt, VPBank NEO s\u1eed d\u1ee5ng ki\u1ebfn tr\u00fac microservices v\u00e0 h\u1ec7 th\u1ed1ng API linh ho\u1ea1t, gi\u00fap d\u1ec5 d\u00e0ng t\u00edch h\u1ee3p v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c b\u00ean th\u1ee9 ba. N\u1ec1n t\u1ea3ng n\u00e0y c\u0169ng t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u1ec3 x\u1eed l\u00fd giao d\u1ecbch theo th\u1eddi gian th\u1ef1c.<\/p>\n<p><strong>\u0110i\u1ec3m n\u1ed5i b\u1eadt<\/strong> c\u1ee7a VPBank NEO n\u1eb1m \u1edf c\u00e1c t\u00ednh n\u0103ng th\u00f4ng minh, \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi AI v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">T\u00ednh n\u0103ng<\/th>\n<th colspan=\"1\" rowspan=\"1\">M\u00f4 t\u1ea3<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">Qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/td>\n<td colspan=\"1\" rowspan=\"1\">T\u1ef1 \u0111\u1ed9ng ph\u00e2n t\u00edch chi ti\u00eau v\u00e0 g\u1ee3i \u00fd ng\u00e2n s\u00e1ch ph\u00f9 h\u1ee3p<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">T\u01b0 v\u1ea5n t\u1ef1 \u0111\u1ed9ng<\/td>\n<td colspan=\"1\" rowspan=\"1\">Chatbot AI ho\u1ea1t \u0111\u1ed9ng 24\/7<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">B\u1ea3o m\u1eadt n\u00e2ng cao<\/td>\n<td colspan=\"1\" rowspan=\"1\">H\u1ec7 th\u1ed1ng ph\u00e1t hi\u1ec7n gian l\u1eadn theo th\u1eddi gian th\u1ef1c<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\">T\u00edch h\u1ee3p \u0111a d\u1ecbch v\u1ee5<\/td>\n<td colspan=\"1\" rowspan=\"1\">K\u1ebft n\u1ed1i v\u1edbi c\u00e1c n\u1ec1n t\u1ea3ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 \u0111\u1ea7u t\u01b0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ngo\u00e0i ra, VPBank NEO th\u01b0\u1eddng xuy\u00ean c\u1eadp nh\u1eadt h\u1ec7 th\u1ed1ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u ph\u00e1p l\u00fd m\u1edbi. Ng\u00e2n h\u00e0ng n\u00e0y c\u0169ng t\u00edch c\u1ef1c tham gia c\u00e1c cu\u1ed9c th\u1ea3o lu\u1eadn v\u1edbi c\u01a1 quan qu\u1ea3n l\u00fd, g\u00f3p ph\u1ea7n x\u00e2y d\u1ef1ng khung ph\u00e1p l\u00fd cho Open Banking.<\/p>\n<p>Trong t\u01b0\u01a1ng lai, VPBank NEO \u0111ang xem x\u00e9t t\u00edch h\u1ee3p blockchain v\u00e0 m\u1edf r\u1ed9ng c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0, th\u1ec3 hi\u1ec7n m\u1ee5c ti\u00eau d\u1eabn \u0111\u1ea7u trong l\u0129nh v\u1ef1c s\u1ed1 h\u00f3a ng\u00e2n h\u00e0ng.<\/p>\n<p>Nh\u1eefng b\u01b0\u1edbc ti\u1ebfn c\u1ee7a VPBank NEO, c\u00f9ng v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p nh\u01b0 BIDV Paygate, \u0111ang t\u1ea1o n\u1ec1n t\u1ea3ng cho c\u00e1c \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n nh\u01b0 Infina \u2013 s\u1ebd \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch ti\u1ebfp theo.<\/p>\n    <div class=\"infina-box\">\n\t\t <div class=\"qr-code\" style=\"margin-top: 20px;\">\n            <a href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" target=\"_blank\">\n                <img decoding=\"async\" src=\"http:\/\/infina.vn\/blog\/wp-content\/uploads\/2025\/02\/app_banner-09-1-1.png\" alt=\"QR Code Infina\" title=\"\">\n            <\/a>\n        <\/div>\n        <p style=\"color: black;\"><strong>T\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n, Sinh l\u1eddi t\u1ef1 \u0111\u1ed9ng nh\u01b0 g\u1eedi ti\u1ebft ki\u1ec7m!<\/strong><\/p>\n        <p class=\"my-3\">T\u00e0i kho\u1ea3n sinh l\u1eddi Infina l\u00e0 s\u1ef1 l\u1ef1a ch\u1ecdn l\u00fd t\u01b0\u1edfng cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi, nh\u1eefng ai mu\u1ed1n t\u1ed1i \u01b0u h\u00f3a t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 sinh l\u1eddi tr\u00ean d\u00f2ng ti\u1ec1n c\u1ee7a m\u00ecnh.<\/p>\n        <p class=\"my-3\">N\u1ea1p v\u00e0 r\u00fat ti\u1ec1n nhanh ch\u00f3ng trong v\u00f2ng 30 gi\u00e2y, nh\u1eadn l\u1ee3i nhu\u1eadn h\u00e0ng ng\u00e0y v\u00e0 r\u00fat v\u1ed1n b\u1ea5t k\u1ef3 l\u00fac n\u00e0o m\u00e0 kh\u00f4ng b\u1ecb m\u1ea5t l\u1ee3i nhu\u1eadn.<\/p>\n        <p class=\"my-3\">\u0110\u01b0\u1ee3c C\u00f4ng ty TNHH MTV qu\u1ea3n l\u00fd qu\u1ef9 ACB (ACBC), C\u00f4ng ty c\u1ed5 ph\u1ea7n qu\u1ea3n l\u00fd qu\u1ef9 PVI (PVI AM) qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 v\u00e0 Ng\u00e2n h\u00e0ng BIDV l\u01b0u k\u00fd. Qu\u1ef9 ACBC, v\u00e0 Qu\u1ef9 PVI AM s\u1ebd th\u1ef1c hi\u1ec7n g\u1eedi ti\u1ec1n t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng uy t\u00edn.<\/p>\n        <a class=\"infina-button\" href=\"https:\/\/infina.vn\/?utm_content=blog_thuc\" style=\"margin-bottom: 20px; display: inline-block;\">Tr\u1ea3i nghi\u1ec7m sinh l\u1eddi mi\u1ec5n ph\u00ed<\/a>\n    <\/div>\n    \n<h2><span class=\"ez-toc-section\" id=\"3_Infina\"><\/span>3. Infina<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" contenteditable=\"false\" draggable=\"true\" src=\"https:\/\/mars-images.imgix.net\/seobot\/screenshots\/infina.vn-d7fbacf3169311c3733d7a95e4858b8b-2025-02-16.jpg?auto=compress\" alt=\"Infina\" title=\"\"><img class=\"ProseMirror-separator\" alt=\"\" \/><\/p>\n<p>Infina, \u0111\u01b0\u1ee3c m\u1ec7nh danh l\u00e0 &#8220;Robinhood c\u1ee7a Vi\u1ec7t Nam&#8221;, \u0111\u00e3 ghi d\u1ea5u \u1ea5n v\u1edbi m\u1ee9c t\u0103ng tr\u01b0\u1edfng nhanh v\u1ec1 t\u00e0i s\u1ea3n qu\u1ea3n l\u00fd trong n\u0103m 2021. Th\u00e0nh c\u00f4ng n\u00e0y ph\u1ea3n \u00e1nh xu h\u01b0\u1edbng ng\u00e0y c\u00e0ng r\u00f5 r\u1ec7t khi Open Banking tr\u1edf th\u00e0nh c\u1ea7u n\u1ed1i gi\u00fap m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh, m\u1ed9t trong ba c\u01a1 h\u1ed9i l\u1edbn \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp tr\u01b0\u1edbc \u0111\u00f3.<\/p>\n<p><strong>B\u1ea3o m\u1eadt v\u00e0 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u<\/strong><\/p>\n<p>Infina \u0111\u1eb7t s\u1ef1 an to\u00e0n d\u1eef li\u1ec7u l\u00ean h\u00e0ng \u0111\u1ea7u v\u1edbi h\u00e0ng lo\u1ea1t bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 nh\u01b0:<\/p>\n<ul>\n<li>M\u00e3 h\u00f3a \u0111\u1ea7u cu\u1ed1i \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin<\/li>\n<li>X\u00e1c th\u1ef1c hai y\u1ebfu t\u1ed1 nh\u1eb1m t\u0103ng c\u01b0\u1eddng t\u00ednh an to\u00e0n<\/li>\n<li>S\u1eed d\u1ee5ng m\u00e3 h\u00f3a token \u0111\u1ec3 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u<\/li>\n<li>Thu th\u1eadp th\u00f4ng tin t\u1ed1i thi\u1ec3u, ch\u1ec9 nh\u1eefng g\u00ec th\u1ef1c s\u1ef1 c\u1ea7n thi\u1ebft<\/li>\n<\/ul>\n<p><strong>Tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng n\u1ed5i b\u1eadt<\/strong><\/p>\n<p>Infina gi\u00fap \u0111\u01a1n gi\u1ea3n h\u00f3a \u0111\u1ea7u t\u01b0 b\u1eb1ng c\u00e1ch cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng b\u1eaft \u0111\u1ea7u ch\u1ec9 v\u1edbi 50.000 VN\u0110. N\u1ec1n t\u1ea3ng n\u00e0y c\u00f2n t\u00edch h\u1ee3p c\u00e1c t\u00ednh n\u0103ng th\u00f4ng minh nh\u01b0 ph\u00e2n t\u00edch chi ti\u00eau t\u1ef1 \u0111\u1ed9ng v\u00e0 \u0111\u1ec1 xu\u1ea5t \u0111\u1ea7u t\u01b0 d\u1ef1a tr\u00ean d\u1eef li\u1ec7u Open Banking, h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00f9ng \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh t\u00e0i ch\u00ednh hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n<p><strong>Th\u00e1ch th\u1ee9c v\u00e0 h\u01b0\u1edbng \u0111i<\/strong><\/p>\n<p>C\u0169ng gi\u1ed1ng nh\u01b0 BIDV v\u00e0 VPBank, Infina cho th\u1ea5y r\u1eb1ng c\u00f4ng ngh\u1ec7 d\u00f9 ti\u00ean ti\u1ebfn \u0111\u1ebfn \u0111\u00e2u c\u0169ng c\u1ea7n \u0111i c\u00f9ng v\u1edbi vi\u1ec7c x\u00e2y d\u1ef1ng ni\u1ec1m tin t\u1eeb ng\u01b0\u1eddi d\u00f9ng. \u0110\u00e2y ch\u00ednh l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ec3 ph\u00e1t tri\u1ec3n Open Banking t\u1ea1i Vi\u1ec7t Nam. \u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y, Infina t\u1eadp trung v\u00e0o hai \u0111i\u1ec3m ch\u00ednh:<\/p>\n<ul>\n<li>Minh b\u1ea1ch trong c\u00e1ch x\u1eed l\u00fd v\u00e0 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u<\/li>\n<li>\u0110\u1ea7u t\u01b0 v\u00e0o c\u00e1c n\u1ed9i dung gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi d\u00f9ng<\/li>\n<\/ul>\n<p>V\u1edbi kho\u1ea3n \u0111\u1ea7u t\u01b0 6 tri\u1ec7u USD huy \u0111\u1ed9ng th\u00e0nh c\u00f4ng v\u00e0o th\u00e1ng 1\/2022, Infina \u0111ang \u0111\u1ea9y m\u1ea1nh vi\u1ec7c m\u1edf r\u1ed9ng c\u00e1c t\u00ednh n\u0103ng li\u00ean quan \u0111\u1ebfn Open Banking, h\u01b0\u1edbng t\u1edbi m\u1ee5c ti\u00eau \u0111\u01b0a \u0111\u1ea7u t\u01b0 s\u1ed1 \u0111\u1ebfn g\u1ea7n h\u01a1n v\u1edbi m\u1ecdi ng\u01b0\u1eddi t\u1ea1i Vi\u1ec7t Nam.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Diem_manh_va_han_che\"><\/span>\u0110i\u1ec3m m\u1ea1nh v\u00e0 h\u1ea1n ch\u1ebf<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0110\u00e1nh gi\u00e1 c\u00e1c \u01b0u v\u00e0 nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng:<\/p>\n<p>D\u1ef1a tr\u00ean ph\u00e2n t\u00edch ba tr\u01b0\u1eddng h\u1ee3p ti\u00eau bi\u1ec3u, b\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y t\u00f3m t\u1eaft c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m quan tr\u1ecdng:<\/p>\n<table>\n<colgroup>\n<col \/>\n<col \/>\n<col \/>\n<col \/><\/colgroup>\n<tbody>\n<tr>\n<th colspan=\"1\" rowspan=\"1\">Ti\u00eau ch\u00ed<\/th>\n<th colspan=\"1\" rowspan=\"1\">BIDV Paygate<\/th>\n<th colspan=\"1\" rowspan=\"1\">VPBank NEO<\/th>\n<th colspan=\"1\" rowspan=\"1\">Infina<\/th>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><strong>\u0110i\u1ec3m m\u1ea1nh ch\u00ednh<\/strong><\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; \u0110i \u0111\u1ea7u trong tri\u1ec3n khai<br \/>\n&#8211; H\u1ec7 sinh th\u00e1i \u0111\u1ed1i t\u00e1c r\u1ed9ng kh\u1eafp<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng s\u1ed1 t\u00edch h\u1ee3p ho\u00e0n ch\u1ec9nh<br \/>\n&#8211; C\u00f4ng ngh\u1ec7 microservices linh ho\u1ea1t<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; T\u00edch h\u1ee3p qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n<br \/>\n&#8211; S\u1ea3n ph\u1ea9m \u0111a d\u1ea1ng gi\u00fap t\u1ed1i \u01b0u h\u00f3a ti\u1ec1n nh\u00e0n r\u1ed7i<br \/>\n&#8211; Minh b\u1ea1ch v\u00e0 b\u1ea3o m\u1eadt cao<\/td>\n<\/tr>\n<tr>\n<td colspan=\"1\" rowspan=\"1\"><strong>H\u1ea1n ch\u1ebf<\/strong><\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; C\u1ea7n m\u1edf r\u1ed9ng th\u00eam \u0111\u1ed1i t\u00e1c<br \/>\n&#8211; G\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c chu\u1ea9n h\u00f3a API<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; Ch\u01b0a t\u00edch h\u1ee3p s\u00e2u v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng b\u00ean th\u1ee9 ba<\/td>\n<td colspan=\"1\" rowspan=\"1\">&#8211; Ph\u1ee5 thu\u1ed9c v\u00e0o quy \u0111\u1ecbnh ph\u00e1p l\u00fd<br \/>\n&#8211; C\u1ea7n th\u1eddi gian \u0111\u1ec3 x\u00e2y d\u1ef1ng l\u00f2ng tin t\u1eeb ng\u01b0\u1eddi d\u00f9ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"Thach_thuc_chung_cua_thi_truong\"><\/span>Th\u00e1ch th\u1ee9c chung c\u1ee7a th\u1ecb tr\u01b0\u1eddng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00e0y ph\u1ea3n \u00e1nh r\u00f5 c\u00e1c kh\u00f3 kh\u0103n \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp trong ph\u1ea7n Gi\u1edbi thi\u1ec7u v\u00e0 \u0111\u01b0\u1ee3c minh ch\u1ee9ng qua th\u1ef1c t\u1ebf tri\u1ec3n khai:<\/p>\n<ul>\n<li>S\u1ef1 thi\u1ebfu nh\u1ea5t qu\u00e1n gi\u1eefa ti\u00eau chu\u1ea9n k\u1ef9 thu\u1eadt v\u00e0 quy \u0111\u1ecbnh ph\u00e1p l\u00fd<\/li>\n<li>B\u1ea3o m\u1eadt d\u1eef li\u1ec7u: G\u00e2y tranh c\u00e3i v\u1ec1 quy\u1ec1n s\u1edf h\u1eefu v\u00e0 qu\u1ea3n l\u00fd d\u1eef li\u1ec7u<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Trien_vong_phat_trien\"><\/span>Tri\u1ec3n v\u1ecdng ph\u00e1t tri\u1ec3n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Th\u1ecb tr\u01b0\u1eddng Open Banking t\u1ea1i Vi\u1ec7t Nam \u0111ang c\u00f3 nh\u1eefng t\u00edn hi\u1ec7u t\u00edch c\u1ef1c, \u0111\u1eb7c bi\u1ec7t v\u1edbi:<\/p>\n<ul>\n<li>S\u1ef1 h\u1ee3p t\u00e1c ng\u00e0y c\u00e0ng ch\u1eb7t ch\u1ebd gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty fintech<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Tong_ket_va_buoc_tiep_theo\"><\/span>T\u1ed5ng k\u1ebft v\u00e0 b\u01b0\u1edbc ti\u1ebfp theo<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u0110\u1ec3 Open Banking ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd t\u1ea1i Vi\u1ec7t Nam, c\u00e1c b\u00ean li\u00ean quan c\u1ea7n th\u1ef1c hi\u1ec7n c\u00e1c h\u00e0nh \u0111\u1ed9ng c\u1ee5 th\u1ec3 trong th\u1eddi gian t\u1edbi.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Dinh_huong_cho_ngan_hang\"><\/span>\u0110\u1ecbnh h\u01b0\u1edbng cho ng\u00e2n h\u00e0ng<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ng\u00e2n h\u00e0ng c\u1ea7n t\u1eadp trung x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 m\u1ea1nh m\u1ebd v\u00e0 m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi \u0111\u1ed1i t\u00e1c. Ch\u1eb3ng h\u1ea1n, VietinBank \u0111\u00e3 \u0111\u1ea1t 55 tri\u1ec7u giao d\u1ecbch m\u1ed7i th\u00e1ng qua n\u1ec1n t\u1ea3ng API c\u1ee7a m\u00ecnh. C\u00e1c ng\u00e2n h\u00e0ng nh\u01b0 BIDV v\u00e0 VPBank c\u0169ng cho th\u1ea5y r\u1eb1ng \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i l\u00e0 y\u1ebfu t\u1ed1 quy\u1ebft \u0111\u1ecbnh \u0111\u1ec3 m\u1edf r\u1ed9ng h\u1ec7 sinh th\u00e1i \u0111\u1ed1i t\u00e1c.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Vai_tro_cua_co_quan_quan_ly\"><\/span>Vai tr\u00f2 c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111ang t\u00edch c\u1ef1c l\u00e0m vi\u1ec7c \u0111\u1ec3 \u0111\u01b0a ra:<\/p>\n<ul>\n<li>Khung ph\u00e1p l\u00fd minh b\u1ea1ch cho vi\u1ec7c chia s\u1ebb d\u1eef li\u1ec7u.<\/li>\n<li>Ti\u00eau chu\u1ea9n API th\u1ed1ng nh\u1ea5t cho ng\u00e0nh ng\u00e2n h\u00e0ng.<\/li>\n<li>C\u01a1 ch\u1ebf b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng trong m\u00f4i tr\u01b0\u1eddng Open Banking.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Co_hoi_cho_cong_ty_fintech\"><\/span>C\u01a1 h\u1ed9i cho c\u00f4ng ty fintech<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>C\u00e1c c\u00f4ng ty fintech c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng c\u01a1 h\u1ed9i b\u1eb1ng c\u00e1ch:<\/p>\n<ul>\n<li>C\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng t\u00edch h\u1ee3p API v\u00e0 t\u0103ng c\u01b0\u1eddng b\u1ea3o m\u1eadt d\u1eef li\u1ec7u.<\/li>\n<li>Ph\u00e1t tri\u1ec3n c\u00e1c d\u1ecbch v\u1ee5 m\u1edbi th\u00f4ng qua h\u1ee3p t\u00e1c chi\u1ebfn l\u01b0\u1ee3c v\u1edbi ng\u00e2n h\u00e0ng.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Trien_vong_phat_trien-2\"><\/span>Tri\u1ec3n v\u1ecdng ph\u00e1t tri\u1ec3n<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>S\u1ef1 ph\u1ed1i h\u1ee3p gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn nh\u01b0 VPBank, BIDV v\u00e0 VietinBank trong vi\u1ec7c tri\u1ec3n khai h\u1ec7 th\u1ed1ng Open API \u0111ang th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng Open Banking ti\u1ebfn l\u00ean. Khi h\u1ed9i t\u1ee5 \u0111\u1ee7 ba y\u1ebfu t\u1ed1 quan tr\u1ecdng, Open Banking s\u1ebd h\u00ecnh th\u00e0nh m\u1ed9t t\u01b0\u01a1ng lai \u0111\u1ea7y h\u1ee9a h\u1eb9n cho ng\u00e0nh t\u00e0i ch\u00ednh Vi\u1ec7t Nam.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Open Banking &#273;ang thay &#273;&#7893;i c&aacute;ch ng&acirc;n h&agrave;ng v&agrave; fintech ho&#7841;t &#273;&#7897;ng t&#7841;i Vi&#7879;t Nam. &#272;&acirc;y l&agrave; m&#7897;t xu h&#432;&#7899;ng m&#7899;i, h&#7913;a h&#7865;n nhi&#7873;u c&#417; h&#7897;i nh&#432;ng c&#361;ng &#273;&#7889;i m&#7863;t v&#7899;i kh&ocirc;ng &iacute;t th&aacute;ch th&#7913;c: C&#417; h&#7897;i: D&#7883;ch v&#7909; c&aacute; nh&acirc;n h&oacute;a: T&#259;ng tr&#7843;i nghi&#7879;m ng&#432;&#7901;i d&ugrave;ng. M&#7903; r&#7897;ng t&agrave;i ch&iacute;nh: Ti&#7871;p c&#7853;n nhi&#7873;u nh&oacute;m [&hellip;]<\/p>\n","protected":false},"author":40,"featured_media":26223,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":{"0":"post-26222","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-kien-thuc-tai-chinh"},"_links":{"self":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26222","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/users\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/comments?post=26222"}],"version-history":[{"count":0,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/posts\/26222\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media\/26223"}],"wp:attachment":[{"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/media?parent=26222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/categories?post=26222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/infina.vn\/blog\/wp-json\/wp\/v2\/tags?post=26222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}