{"id":13482,"date":"2024-11-06T10:26:40","date_gmt":"2024-11-06T03:26:40","guid":{"rendered":"https:\/\/base.vn\/blog\/?p=13482"},"modified":"2025-09-23T17:21:45","modified_gmt":"2025-09-23T10:21:45","slug":"chuyen-doi-so-nganh-ngan-hang","status":"publish","type":"post","link":"https:\/\/base.vn\/blog\/chuyen-doi-so-nganh-ngan-hang\/","title":{"rendered":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng: Xu h\u01b0\u1edbng trong th\u1eddi \u0111\u1ea1i s\u1ed1 ho\u00e1"},"content":{"rendered":"\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 \u0111\u00e3 v\u00e0 \u0111ang thay \u0111\u1ed5i c\u00e1ch m\u00e0 kh\u00e1ch h\u00e0ng t\u01b0\u01a1ng t\u00e1c v\u00e0 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. V\u00ec v\u1eady, <strong>chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong> kh\u00f4ng c\u00f2n l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn, m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c, m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c kinh doanh \u201cs\u1ed1ng c\u00f2n\u201d \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 l\u00e0 chuy\u1ec3n \u0111\u1ed5i c\u00f4ng ngh\u1ec7 \u0111\u01a1n thu\u1ea7n, m\u00e0 l\u00e0 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c c\u1ea3i c\u00e1ch to\u00e0n di\u1ec7n v\u1ec1 t\u01b0 duy, quy tr\u00ecnh, v\u0103n h\u00f3a v\u00e0 ph\u01b0\u01a1ng th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n<p>Trong b\u00e0i vi\u1ebft sau \u0111\u00e2y, m\u1eddi \u0111\u1ed9c gi\u1ea3 c\u00f9ng <a href=\"https:\/\/base.vn\/blog\/\" target=\"_blank\" rel=\"noreferrer noopener\">Base Blog<\/a> t\u00ecm hi\u1ec3u v\u1ec1 K\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ebfn n\u0103m 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030 theo Quy\u1ebft \u0111\u1ecbnh s\u1ed1 810\/Q\u0110-NHNN v\u00e0 th\u1ef1c tr\u1ea1ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam v\u00e0 tr\u00ean th\u1ebf gi\u1edbi. \u0110\u1ed3ng th\u1eddi, b\u00e0i vi\u1ebft c\u0169ng chia s\u1ebb c\u00e1c b\u01b0\u1edbc tri\u1ec3n khai chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 m\u1ed9t s\u1ed1 c\u00e2u chuy\u1ec7n th\u00e0nh c\u00f4ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-khai-quat-v\u1ec1-chuy\u1ec3n-d\u1ed5i-s\u1ed1-nganh-ngan-hang\"><strong>1. Kh\u00e1i qu\u00e1t v\u1ec1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-1-chuy\u1ec3n-d\u1ed5i-s\u1ed1-nganh-ngan-hang-la-gi\"><strong>1.1 Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng l\u00e0 g\u00ec?<\/strong><\/h3>\n\n\n\n<p><strong>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong> l\u00e0 qu\u00e1 tr\u00ecnh tri\u1ec3n khai, t\u00edch h\u1ee3p s\u1ed1 h\u00f3a v\u00e0 c\u00f4ng ngh\u1ec7 s\u1ed1 v\u00e0o m\u1ecdi l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, nh\u1eb1m c\u1ea3i ti\u1ebfn ho\u1eb7c s\u1eeda \u0111\u1ed5i c\u00e1c quy tr\u00ecnh kinh doanh v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng. M\u1ee5c ti\u00eau l\u00e0 t\u1ea1o ra nh\u1eefng c\u00fa \u201ch\u00edch\u201d trong ho\u1ea1t \u0111\u1ed9ng cung c\u1ea5p d\u1ecbch v\u1ee5, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u ng\u00e0y c\u00e0ng phong ph\u00fa v\u00e0 \u0111a d\u1ea1ng c\u1ee7a ng\u01b0\u1eddi d\u00e2n v\u00e0 x\u00e3 h\u1ed9i.<\/p>\n\n\n\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 \u1ee9ng d\u1ee5ng <a href=\"https:\/\/base.vn\/blog\/cong-nghe-ai\/\" target=\"_blank\" rel=\"noreferrer noopener\">tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI)<\/a>, c\u00f4ng ngh\u1ec7 Blockchain hay c\u00e1c c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn kh\u00e1c, m\u00e0 c\u00f2n l\u00e0 s\u1ef1 chuy\u1ec3n \u0111\u1ed5i to\u00e0n di\u1ec7n v\u1ec1 m\u00f4 h\u00ecnh, b\u1ed9 m\u00e1y, chi\u1ebfn l\u01b0\u1ee3c, v\u0103n h\u00f3a kinh doanh v\u00e0 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng tr\u00ean n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 m\u1edbi.<\/p>\n\n\n\n<p>M\u1ed9t s\u1ed1 v\u00ed d\u1ee5 n\u1ed5i b\u1eadt trong vi\u1ec7c n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng th\u00f4ng qua chuy\u1ec3n \u0111\u1ed5i s\u1ed1 g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>TPBank v\u1edbi m\u00f4 h\u00ecnh LiveBank 24\/7 \u2013 h\u1ec7 th\u1ed1ng giao d\u1ecbch t\u1ef1 \u0111\u1ed9ng gi\u00fap kh\u00e1ch h\u00e0ng k\u1ebft n\u1ed1i video tr\u1ef1c ti\u1ebfp v\u1edbi giao d\u1ecbch vi\u00ean t\u1eeb xa, h\u1ed7 tr\u1ee3 gi\u1ea3i quy\u1ebft nhanh ch\u00f3ng c\u00e1c th\u1eafc m\u1eafc trong qu\u00e1 tr\u00ecnh giao d\u1ecbch.<\/li>\n\n\n\n<li>MBBank \u0111\u00e3 t\u00edch h\u1ee3p to\u00e0n b\u1ed9 giao d\u1ecbch ng\u00e2n h\u00e0ng v\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh mi\u1ec5n ph\u00ed qua \u1ee9ng d\u1ee5ng MBBank v\u00e0 Biz MBBank. \u0110\u1eb7c bi\u1ec7t, MBBank l\u00e0 ng\u00e2n h\u00e0ng ti\u00ean phong cho ph\u00e9p kh\u00e1ch h\u00e0ng \u0111\u0103ng k\u00fd nhi\u1ec1u s\u1ed1 t\u00e0i kho\u1ea3n, nh\u01b0 \u201cchi\u1ebfc v\u00ed nhi\u1ec1u ng\u0103n,\u201d mi\u1ec5n ph\u00ed v\u1edbi s\u1ed1 t\u00e0i kho\u1ea3n tr\u00f9ng s\u1ed1 \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c s\u1ed1 \u0111i\u1ec7n tho\u1ea1i tr\u00f9ng ng\u00e0y sinh \u2013 mang l\u1ea1i tr\u1ea3i nghi\u1ec7m thu\u1eadn ti\u1ec7n v\u00e0 ch\u00fa tr\u1ecdng c\u00e1 nh\u00e2n h\u00f3a tr\u00ean app MBBank.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-nganh-ngan-hang-1-1024x512.webp\" alt=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng\" class=\"wp-image-13508\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-nganh-ngan-hang-1-1024x512.webp 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-nganh-ngan-hang-1-300x150.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-nganh-ngan-hang-1-768x384.webp 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-nganh-ngan-hang-1-1536x768.webp 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-nganh-ngan-hang-1.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-2-vi-sao-ngan-hang-c\u1ea7n-th\u1ef1c-hi\u1ec7n-chuy\u1ec3n-d\u1ed5i-s\u1ed1\"><strong>1.2 V\u00ec sao ng\u00e2n h\u00e0ng c\u1ea7n th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i s\u1ed1?<\/strong><\/h3>\n\n\n\n<p>Trong b\u1ed1i c\u1ea3nh c\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0, chuy\u1ec3n \u0111\u1ed5i s\u1ed1 l\u00e0 xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu, \u1ea3nh h\u01b0\u1edfng s\u00e2u r\u1ed9ng \u0111\u1ebfn c\u00e1ch ch\u00fang ta th\u1ef1c hi\u1ec7n giao d\u1ecbch t\u00e0i ch\u00ednh v\u00e0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n. Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3, chuy\u1ec3n \u0111\u1ed5i s\u1ed1 gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng n\u00e2ng cao hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 t\u1ea1o ra gi\u00e1 tr\u1ecb m\u1edbi cho h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh.&nbsp;<\/p>\n\n\n\n<p><strong>\u2013 \u0110\u00e1p \u1ee9ng nhu c\u1ea7u thay \u0111\u1ed5i t\u1eebng ng\u00e0y c\u1ee7a kh\u00e1ch h\u00e0ng:&nbsp; <\/strong>Internet \u0111\u00e3 m\u1edf ra nhi\u1ec1u k\u00eanh giao d\u1ecbch thu\u1eadn ti\u1ec7n, th\u00fac \u0111\u1ea9y ng\u01b0\u1eddi ti\u00eau d\u00f9ng chuy\u1ec3n t\u1eeb giao d\u1ecbch &#8220;offline&#8221; sang &#8220;online&#8221; v\u00e0 \u01b0u ti\u00ean thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. \u0110\u1ec3 \u0111\u00e1p \u1ee9ng xu h\u01b0\u1edbng n\u00e0y, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n t\u00edch c\u1ef1c tri\u1ec3n khai c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1, ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn v\u00e0 \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, mang \u0111\u1ebfn tr\u1ea3i nghi\u1ec7m ti\u1ec7n l\u1ee3i v\u00e0 t\u1ed1i \u01b0u cho kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n<p><strong>\u2013 \u0110\u1ed1i ph\u00f3 v\u1edbi \u00e1p l\u1ef1c c\u1ea1nh tranh trong ng\u00e0nh ng\u00e2n h\u00e0ng: <\/strong>Vi\u1ec7c thu h\u00fat kh\u00e1ch h\u00e0ng m\u1edbi v\u00e0 khai th\u00e1c nh\u1eefng nhu c\u1ea7u ti\u1ec1m \u1ea9n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng hi\u1ec7n t\u1ea1i l\u00e0 m\u1ee5c ti\u00eau quan tr\u1ecdng nh\u1ea5t c\u1ee7a m\u1ed7i ng\u00e2n h\u00e0ng. Quan tr\u1ecdng h\u01a1n h\u1ebft, kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng chuy\u1ec3n sang ng\u00e2n h\u00e0ng kh\u00e1c n\u1ebfu h\u1ecd c\u00f3 tr\u1ea3i nghi\u1ec7m kh\u00f4ng t\u1ed1t. Do \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng ph\u1ea3i li\u00ean t\u1ee5c \u0111\u1ed5i m\u1edbi, n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 \u0111\u1ec3 kh\u00f4ng b\u1ecb b\u1ecf l\u1ea1i ph\u00eda sau.<\/p>\n\n\n\n<p><strong>\u2013 C\u1ea1nh tranh v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m k\u1ef9 thu\u1eadt s\u1ed1 thay th\u1ebf: <\/strong>C\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) li\u00ean t\u1ee5c mang \u0111\u1ebfn nh\u1eefng gi\u1ea3i ph\u00e1p m\u1edbi, c\u1ea3i ti\u1ebfn d\u1ecbch v\u1ee5 m\u00e0 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng cung c\u1ea5p, ch\u1eb3ng h\u1ea1n nh\u01b0 \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng h\u1ed7 tr\u1ee3 ki\u1ec3m tra t\u00e0i kho\u1ea3n theo th\u1eddi gian th\u1ef1c hay tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o gi\u00fap t\u0103ng c\u01b0\u1eddng b\u1ea3o m\u1eadt v\u00e0 ch\u1ed1ng gian l\u1eadn. B\u00ean c\u1ea1nh \u0111\u00f3, Fintech v\u1edbi chi ph\u00ed v\u1eadn h\u00e0nh th\u1ea5p h\u01a1n s\u1ebd t\u1ea1o ra \u00e1p l\u1ef1c c\u1ea1nh tranh m\u1ea1nh m\u1ebd \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng. V\u00ed d\u1ee5, v\u00ed \u0111i\u1ec7n t\u1eed c\u00f3 th\u1ec3 g\u00e2y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn doanh thu c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 x\u1eed l\u00fd giao d\u1ecbch, hay \u1ee9ng d\u1ee5ng cho vay ngang h\u00e0ng c\u1ea1nh tranh tr\u1ef1c ti\u1ebfp v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m huy \u0111\u1ed9ng v\u1ed1n v\u00e0 cho vay c\u1ee7a ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-3-cac-giai-do\u1ea1n-chuy\u1ec3n-d\u1ed5i-s\u1ed1-trong-nganh-ngan-hang\"><strong>1.3 C\u00e1c giai \u0111o\u1ea1n chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong><\/h3>\n\n\n\n<p>Qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng n\u00f3i ri\u00eang, c\u0169ng nh\u01b0 t\u1ea1i h\u1ea7u h\u1ebft c\u00e1c doanh nghi\u1ec7p n\u00f3i chung, th\u01b0\u1eddng tr\u1ea3i qua 3 giai \u0111o\u1ea1n: <strong>S\u1ed1 h\u00f3a th\u00f4ng tin (Digitization), S\u1ed1 h\u00f3a quy tr\u00ecnh (Digitalization), <\/strong>v\u00e0 <strong>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 to\u00e0n di\u1ec7n (Digital Transformation)<\/strong>.<\/p>\n\n\n\n<p><strong>Giai \u0111o\u1ea1n 1:&nbsp; S\u1ed1 h\u00f3a th\u00f4ng tin (Digitization)<\/strong><\/p>\n\n\n\n<p>S\u1ed1 h\u00f3a th\u00f4ng tin l\u00e0 qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i c\u00e1c h\u1ed3 s\u01a1 v\u00e0 t\u00e0i li\u1ec7u t\u1eeb d\u1ea1ng gi\u1ea5y sang \u0111\u1ecbnh d\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1. V\u00ed d\u1ee5, qu\u00e9t t\u00e0i li\u1ec7u \u0111\u1ec3 l\u01b0u tr\u1eef d\u01b0\u1edbi d\u1ea1ng t\u1ec7p Excel, PDF gi\u00fap t\u1eadp trung d\u1eef li\u1ec7u tr\u00ean h\u1ec7 th\u1ed1ng, t\u0103ng kh\u1ea3 n\u0103ng truy xu\u1ea5t th\u00f4ng tin nhanh ch\u00f3ng. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u quan tr\u1ecdng, x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng cho c\u00e1c giai \u0111o\u1ea1n s\u1ed1 h\u00f3a ti\u1ebfp theo.<\/p>\n\n\n\n<p><strong>Giai \u0111o\u1ea1n 2: S\u1ed1 h\u00f3a quy tr\u00ecnh (Digitalization)<\/strong><\/p>\n\n\n\n<p>S\u1ed1 h\u00f3a quy tr\u00ecnh t\u1eadp trung chuy\u1ec3n \u0111\u1ed5i c\u00e1c quy tr\u00ecnh ho\u1eb7c t\u01b0\u01a1ng t\u00e1c th\u00e0nh b\u1ea3n th\u1ec3 k\u1ef9 thu\u1eadt s\u1ed1 t\u01b0\u01a1ng \u1ee9ng c\u1ee7a ch\u00fang.&nbsp;<\/p>\n\n\n\n<p>\u1ede giai \u0111o\u1ea1n n\u00e0y, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n nh\u1eadn th\u1ee9c r\u00f5 h\u01a1n v\u1ec1 s\u1ee9c m\u1ea1nh c\u1ee7a c\u00f4ng ngh\u1ec7, ti\u1ebfn h\u00e0nh t\u1ed5 ch\u1ee9c l\u1ea1i v\u00e0 t\u1ed1i \u01b0u h\u00f3a c\u00e1c ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1. Ngo\u00e0i ra, \u0111\u00e2y c\u0169ng l\u00e0 giai \u0111o\u1ea1n m\u00e0 ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1ea7u t\u01b0 nhi\u1ec1u h\u01a1n v\u00e0o y\u1ebfu t\u1ed1 con ng\u01b0\u1eddi, t\u1ee9c l\u00e0 \u0111\u00e0o t\u1ea1o nh\u00e2n vi\u00ean c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c quy tr\u00ecnh k\u1ef9 thu\u1eadt s\u1ed1.<\/p>\n\n\n\n<p>Trong khi giai \u0111o\u1ea1n 1 ch\u1ee7 y\u1ebfu li\u00ean quan \u0111\u1ebfn th\u00f4ng tin, th\u00ec giai \u0111o\u1ea1n 2 l\u1ea1i t\u1eadp trung v\u00e0o quy tr\u00ecnh v\u00e0 con ng\u01b0\u1eddi. Tuy nhi\u00ean, m\u00f4 h\u00ecnh kinh doanh kh\u00f4ng thay \u0111\u1ed5i trong hai giai \u0111o\u1ea1n n\u00e0y.<\/p>\n\n\n\n<p><strong>Giai \u0111o\u1ea1n 3: <a href=\"https:\/\/base.vn\/blog\/chuyen-doi-so-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 (Digital Transformation)<\/a><\/strong><\/p>\n\n\n\n<p>\u0110\u00e2y l\u00e0 giai \u0111o\u1ea1n chuy\u1ec3n \u0111\u1ed5i chi\u1ebfn l\u01b0\u1ee3c kinh doanh, kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o c\u00f4ng ngh\u1ec7 m\u00e0 c\u00f2n v\u1edbi m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n l\u00e0 t\u1ea1o ra l\u1ee3i th\u1ebf c\u1ea1nh tranh b\u1ec1n v\u1eefng. \u1ede giai \u0111o\u1ea1n n\u00e0y, ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 th\u1ea5u hi\u1ec3u s\u00e2u s\u1eafc kh\u00e1ch h\u00e0ng, t\u1ea1o tr\u1ea3i nghi\u1ec7m t\u1ed1i \u01b0u v\u00e0 x\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c l\u1ea5y kh\u00e1ch h\u00e0ng l\u00e0m tr\u1ecdng t\u00e2m.<\/p>\n\n\n\n<p>Giai \u0111o\u1ea1n n\u00e0y v\u01b0\u1ee3t xa vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0o quy tr\u00ecnh; n\u00f3 t\u1ea1o ra c\u00e1ch ti\u1ebfp c\u1eadn m\u1edbi to\u00e0n di\u1ec7n b\u1eb1ng vi\u1ec7c s\u1eed d\u1ee5ng nhi\u1ec1u c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn nh\u01b0 Big Data, IoT, AI, SaaS hay ERP \u0111\u1ec3 c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 v\u1eadn h\u00e0nh.<\/p>\n\n\n\n<p>S\u1ef1 kh\u00e1c bi\u1ec7t l\u1edbn nh\u1ea5t c\u1ee7a giai \u0111o\u1ea1n n\u00e0y so v\u1edbi hai giai \u0111o\u1ea1n tr\u01b0\u1edbc \u0111\u00f3 l\u00e0 n\u00f3 kh\u1edfi \u0111\u1ea7u t\u1eeb s\u1ef1 thay \u0111\u1ed5i trong t\u01b0 duy kinh doanh ch\u1ee9 kh\u00f4ng ch\u1ec9 t\u1eeb vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7, h\u00ecnh th\u00e0nh m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng to\u00e0n di\u1ec7n trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#ebf6fd\"><strong>\u0110\u1ecdc th\u00eam:<\/strong> <a href=\"https:\/\/base.vn\/blog\/so-hoa-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">S\u1ed1 h\u00f3a l\u00e0 g\u00ec? Ch\u1ec9 d\u1eabn x\u00e2y d\u1ef1ng \u201cv\u0103n ph\u00f2ng \u0111i\u1ec7n t\u1eed\u201d cho doanh nghi\u1ec7p<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-th\u1ef1c-tr\u1ea1ng-chuy\u1ec3n-d\u1ed5i-s\u1ed1-nganh-ngan-hang\"><strong>2. Th\u1ef1c tr\u1ea1ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong><\/h2>\n\n\n\n<p>Cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng ngh\u1ec7 4.0 \u0111\u00e3 v\u00e0 \u0111ang t\u1ea1o n\u00ean s\u1ef1 ph\u00e1t tri\u1ec3n \u0111\u1ed9t ph\u00e1 trong ho\u1ea1t \u0111\u1ed9ng cung c\u1ea5p s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng, t\u1ea1o c\u01a1 s\u1edf h\u00ecnh th\u00e0nh v\u00e0 ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng s\u1ed1. H\u00e3y c\u00f9ng Base Blog \u0111i\u1ec3m qua m\u1ed9t s\u1ed1 \u0111i\u1ec1u n\u1ed5i b\u1eadt trong th\u1ef1c tr\u1ea1ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc do website <a href=\"https:\/\/tapchinganhang.gov.vn\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">T\u1ea1p ch\u00ed Ng\u00e2n h\u00e0ng<\/a> c\u00f4ng b\u1ed1:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-1-th\u1ef1c-tr\u1ea1ng-chuy\u1ec3n-d\u1ed5i-s\u1ed1-nganh-ngan-hang-tren-th\u1ebf-gi\u1edbi\"><strong>2.1 Th\u1ef1c tr\u1ea1ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng tr\u00ean th\u1ebf gi\u1edbi<\/strong><\/h3>\n\n\n\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 \u0111\u00e3 tr\u1edf th\u00e0nh y\u1ebfu t\u1ed1 then ch\u1ed1t cho s\u1ef1 t\u1ed3n t\u1ea1i v\u00e0 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng to\u00e0n c\u1ea7u, \u0111\u1eb7c bi\u1ec7t t\u1ea1i c\u00e1c qu\u1ed1c gia ph\u00e1t tri\u1ec3n.<\/p>\n\n\n\n<p>T\u1ea1i M\u1ef9, Bank of America d\u1eabn \u0111\u1ea7u v\u1edbi m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng s\u1ed1 hi\u1ec7n \u0111\u1ea1i, tri\u1ec3n khai Chatbot Eric \u0111\u1ec3 h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng qua \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, m\u1edf c\u00e1c chi nh\u00e1nh t\u1ef1 \u0111\u1ed9ng (Robo-branches) v\u00e0 l\u1eafp \u0111\u1eb7t m\u00e1y t\u00ednh b\u1ea3ng t\u1ea1i chi nh\u00e1nh, gi\u00fap kh\u00e1ch h\u00e0ng t\u1ef1 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch c\u01a1 b\u1ea3n m\u00e0 kh\u00f4ng c\u1ea7n nh\u00e2n vi\u00ean h\u01b0\u1edbng d\u1eabn.<\/p>\n\n\n\n<p>Citizens Bank c\u0169ng ti\u00ean phong trong vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 b\u1ea3o m\u1eadt b\u1eb1ng robot Knightscope K5, c\u00f3 kh\u1ea3 n\u0103ng quay video 360 \u0111\u1ed9, nh\u1eadn di\u1ec7n bi\u1ec3n s\u1ed1 xe, ho\u1ea1t \u0111\u1ed9ng li\u00ean t\u1ee5c v\u00e0 t\u1ef1 \u0111\u1ed9ng s\u1ea1c, \u0111\u1ed3ng th\u1eddi ph\u00e1t hi\u1ec7n v\u00e0 ng\u0103n ch\u1eb7n c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p ti\u1ebfp c\u1eadn khu v\u1ef1c b\u1ea3o m\u1eadt.<\/p>\n\n\n\n<p>T\u1ea1i Trung Qu\u1ed1c, Ng\u00e2n h\u00e0ng X\u00e2y d\u1ef1ng Trung Qu\u1ed1c \u0111\u00e3 th\u00e0nh c\u00f4ng v\u1edbi m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng t\u1ef1 \u0111\u1ed9ng h\u00f3a ho\u00e0n to\u00e0n, s\u1eed d\u1ee5ng robot Xiao Long \u0111\u1ec3 h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng v\u00e0 trang b\u1ecb ATM c\u00f3 kh\u1ea3 n\u0103ng m\u1edf t\u00e0i kho\u1ea3n v\u00e0 th\u1ef1c hi\u1ec7n giao d\u1ecbch ngo\u1ea1i h\u1ed1i.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/thuc-trang-chuyen-doi-so-ngan-hang-1024x574.webp\" alt=\"Th\u1ef1c tr\u1ea1ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e2n h\u00e0ng\" class=\"wp-image-13510\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/thuc-trang-chuyen-doi-so-ngan-hang-1024x574.webp 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/thuc-trang-chuyen-doi-so-ngan-hang-300x168.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/thuc-trang-chuyen-doi-so-ngan-hang-768x430.webp 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/thuc-trang-chuyen-doi-so-ngan-hang-1536x861.webp 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/thuc-trang-chuyen-doi-so-ngan-hang.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-2-th\u1ef1c-tr\u1ea1ng-chuy\u1ec3n-d\u1ed5i-s\u1ed1-nganh-ngan-hang-t\u1ea1i-vi\u1ec7t-nam\"><strong>2.2 Th\u1ef1c tr\u1ea1ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam<\/strong><\/h3>\n\n\n\n<p>T\u1ea1i Vi\u1ec7t Nam, vi\u1ec7c ban h\u00e0nh Quy\u1ebft \u0111\u1ecbnh s\u1ed1 810\/Q\u0110-NHNN v\u1ec1 K\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ebfn n\u0103m 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030, \u0111\u01b0\u1ee3c xem l\u00e0 c\u1ed9t m\u1ed1c c\u00f3 \u00fd ngh\u0129a s\u00e2u s\u1eafc, th\u1ec3 hi\u1ec7n s\u1ef1 ch\u1ee7 \u0111\u1ed9ng, b\u00e1m s\u00e1t ch\u1ee7 tr\u01b0\u01a1ng c\u1ee7a \u0110\u1ea3ng, Ch\u00ednh ph\u1ee7 v\u00e0 th\u1ed1ng nh\u1ea5t \u00fd ch\u00ed, h\u00e0nh \u0111\u1ed9ng to\u00e0n ng\u00e0nh ng\u00e2n h\u00e0ng, gi\u00fap ng\u00e0nh ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng trong k\u1ec9 nguy\u00ean s\u1ed1 v\u00e0 \u0111\u00f3ng g\u00f3p t\u00edch c\u1ef1c cho s\u1ef1 ph\u00e1t tri\u1ec3n n\u1ec1n kinh t\u1ebf s\u1ed1 Vi\u1ec7t Nam.<\/p>\n\n\n\n<p>\u0110\u1ed3ng th\u1eddi, s\u1ef1 ki\u1ec7n ng\u00e0y 11\/5 \u0111\u01b0\u1ee3c ch\u1ecdn l\u00e0 \u201cNg\u00e0y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng\u201d c\u0169ng \u0111\u00e3 g\u00f3p ph\u1ea7n lan t\u1ecfa hi\u1ec7u \u1ee9ng t\u00edch c\u1ef1c trong ch\u01b0\u01a1ng tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 qu\u1ed1c gia. \u0110\u1eb7c bi\u1ec7t, trong th\u1eddi gian qua, ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 ghi nh\u1eadn nhi\u1ec1u th\u00e0nh t\u1ef1u n\u1ed5i b\u1eadt trong c\u00f4ng t\u00e1c chuy\u1ec3n \u0111\u1ed5i s\u1ed1, bao g\u1ed3m:<\/p>\n\n\n\n<p><strong>\u2013 Th\u1ee9 nh\u1ea5t:<\/strong> C\u00e1c d\u1ecbch v\u1ee5 kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u00e3 \u0111\u01b0\u1ee3c tri\u1ec3n khai r\u1ed9ng r\u00e3i, v\u1edbi s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng v\u00e0 gi\u00e1 tr\u1ecb thanh to\u00e1n ng\u00e0y c\u00e0ng gia t\u0103ng:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u1ec9 l\u1ec7 ng\u01b0\u1eddi tr\u01b0\u1edfng th\u00e0nh c\u00f3 t\u00e0i kho\u1ea3n thanh to\u00e1n \u0111\u00e3 \u0111\u1ea1t 87%, v\u01b0\u1ee3t m\u1ee5c ti\u00eau 80% v\u00e0o n\u0103m 2025, v\u1edbi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t trung b\u00ecnh h\u00e0ng n\u0103m \u0111\u1ea1t h\u01a1n 50%.<\/li>\n\n\n\n<li>Giao d\u1ecbch tr\u00ean \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng t\u0103ng h\u01a1n 100%, trong khi \u0111\u00f3 t\u1ec9 l\u1ec7 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u1ea1t h\u01a1n 49%.<\/li>\n\n\n\n<li>Gi\u00e1 tr\u1ecb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t hi\u1ec7n g\u1ea5p 23 l\u1ea7n GDP, v\u00e0 h\u1ea1 t\u1ea7ng thanh to\u00e1n \u0111\u01b0\u1ee3c duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng li\u00ean t\u1ee5c v\u00e0 an to\u00e0n, h\u1ea1n ch\u1ebf s\u1ef1 c\u1ed1.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u2013 Th\u1ee9 hai:<\/strong> Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) ph\u1ed1i h\u1ee3p v\u1edbi B\u1ed9 C\u00f4ng an tri\u1ec3n khai \u0110\u1ec1 \u00e1n 06, cung c\u1ea5p nhi\u1ec1u s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 thi\u1ebft th\u1ef1c cho ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p. Nh\u1eefng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i nh\u01b0 <a href=\"https:\/\/base.vn\/blog\/sinh-trac-hoc-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">x\u00e1c th\u1ef1c sinh tr\u1eafc h\u1ecdc<\/a>, thanh to\u00e1n m\u1ed9t ch\u1ea1m qua m\u00e3 QR \u0111\u00e3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng. Ngo\u00e0i ra, c\u00f4ng ngh\u1ec7 d\u1eef li\u1ec7u l\u1edbn (big data) v\u00e0 th\u1ef1c t\u1ebf \u1ea3o (virtual reality) c\u0169ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng trong ho\u1ea1t \u0111\u1ed9ng cho vay v\u00e0 c\u1ea5p t\u00edn d\u1ee5ng cho c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p, gi\u00fap k\u1ebft n\u1ed1i thanh to\u00e1n tr\u1ef1c tuy\u1ebfn cho nhi\u1ec1u lo\u1ea1i ph\u00ed, thu\u1ebf v\u00e0 d\u1ecbch v\u1ee5.<\/p>\n\n\n\n<p><strong>Th\u1ee9 ba:<\/strong> Ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 tri\u1ec3n khai d\u1ecbch v\u1ee5 c\u00f4ng tr\u1ef1c tuy\u1ebfn to\u00e0n tr\u00ecnh, t\u00edch h\u1ee3p tr\u00ean C\u1ed5ng d\u1ecbch v\u1ee5 c\u00f4ng qu\u1ed1c gia:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u01a1n 90% h\u1ed3 s\u01a1 c\u00f4ng vi\u1ec7c \u0111\u01b0\u1ee3c x\u1eed l\u00fd v\u00e0 l\u01b0u tr\u1eef tr\u1ef1c tuy\u1ebfn, v\u1edbi g\u1ea7n 14,6 tri\u1ec7u t\u00e0i kho\u1ea3n v\u00e0 46,2 tri\u1ec7u h\u1ed3 s\u01a1 n\u1ed9p qua C\u1ed5ng d\u1ecbch v\u1ee5 c\u00f4ng qu\u1ed1c gia.<\/li>\n\n\n\n<li>Ng\u00e0nh c\u0169ng \u0111\u00e3 th\u1ef1c hi\u1ec7n g\u1ea7n 26,8 tri\u1ec7u giao d\u1ecbch thanh to\u00e1n tr\u1ef1c tuy\u1ebfn, t\u1ed5ng s\u1ed1 ti\u1ec1n l\u00ean t\u1edbi h\u01a1n 12,9 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng.<\/li>\n\n\n\n<li>41 trong s\u1ed1 53 d\u1ecbch v\u1ee5 c\u00f4ng thi\u1ebft y\u1ebfu \u0111\u00e3 \u0111\u1ea1t m\u1ee9c \u0111\u1ed9 3, 4, gi\u00fap ti\u1ebft ki\u1ec7m cho Nh\u00e0 n\u01b0\u1edbc v\u00e0 x\u00e3 h\u1ed9i g\u1ea7n 3,5 ngh\u00ecn t\u1ef7 \u0111\u1ed3ng m\u1ed7i n\u0103m, ch\u1ec9 ri\u00eang t\u1eeb 25 d\u1ecbch v\u1ee5 c\u00f4ng thi\u1ebft y\u1ebfu trong \u0110\u1ec1 \u00e1n 06.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-k\u1ebf-ho\u1ea1ch-chuy\u1ec3n-d\u1ed5i-s\u1ed1-nganh-ngan-hang-d\u1ebfn-nam-2025-d\u1ecbnh-h\u01b0\u1edbng-d\u1ebfn-nam-2030\"><strong>3. K\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u1ebfn n\u0103m 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030<\/strong><\/h2>\n\n\n\n<p>Ng\u00e0y 11\/5\/2021, Th\u1ed1ng \u0111\u1ed1c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) \u0111\u00e3 ban h\u00e0nh <a href=\"https:\/\/thuvienphapluat.vn\/van-ban\/Tien-te-Ngan-hang\/Quyet-dinh-810-QD-NHNN-2021-phe-duyet-Ke-hoach-Chuyen-doi-so-nganh-Ngan-hang-den-2025-474917.aspx\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Quy\u1ebft \u0111\u1ecbnh s\u1ed1 810\/Q\u0110-NHNN<\/a> v\u1ec1 vi\u1ec7c ph\u00ea duy\u1ec7t k\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e2n h\u00e0ng \u0111\u1ebfn n\u0103m 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn n\u0103m 2030.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-1-m\u1ee5c-tieu-c\u1ee7a-k\u1ebf-ho\u1ea1ch\"><strong>3.1 M\u1ee5c ti\u00eau c\u1ee7a k\u1ebf ho\u1ea1ch<\/strong><\/h3>\n\n\n\n<p>M\u1ee5c ti\u00eau t\u1ed5ng qu\u00e1t c\u1ee7a k\u1ebf ho\u1ea1ch g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u1ed5i m\u1edbi to\u00e0n di\u1ec7n ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n l\u00fd c\u1ee7a NHNN theo h\u01b0\u1edbng hi\u1ec7n \u0111\u1ea1i, \u1ee9ng d\u1ee5ng hi\u1ec7u qu\u1ea3 c\u00e1c th\u00e0nh t\u1ef1u c\u1ee7a C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0, v\u00e0 \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c ti\u00eau ch\u00ed chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a Ch\u00ednh ph\u1ee7.<\/li>\n\n\n\n<li>Ph\u00e1t tri\u1ec3n m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng s\u1ed1 nh\u1eb1m n\u00e2ng cao ti\u1ec7n \u00edch v\u00e0 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng, th\u1ef1c hi\u1ec7n m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n v\u00e0 ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng. \u0110i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua vi\u1ec7c th\u00fac \u0111\u1ea9y \u1ee9ng d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn trong qu\u1ea3n tr\u1ecb v\u00e0 cung \u1ee9ng s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5, t\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh, v\u00e0 t\u1ed1i \u01b0u h\u00f3a c\u00e1c ho\u1ea1t \u0111\u1ed9ng nghi\u1ec7p v\u1ee5.<\/li>\n<\/ul>\n\n\n\n<p>M\u1ed9t s\u1ed1 m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 c\u1ee7a k\u1ebf ho\u1ea1ch \u0111\u1ebfn n\u0103m 2025:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>N\u00e2ng c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 c\u00f4ng c\u1ee7a NHNN l\u00ean m\u1ee9c \u0111\u1ed9 4 v\u00e0 t\u00edch h\u1ee3p tr\u00ean C\u1ed5ng d\u1ecbch v\u1ee5 c\u00f4ng Qu\u1ed1c gia; N\u00e2ng t\u1ef7 tr\u1ecdng h\u1ed3 s\u01a1 c\u00f4ng vi\u1ec7c t\u1ea1i NHNN \u0111\u01b0\u1ee3c x\u1eed l\u00fd v\u00e0 l\u01b0u tr\u1eef tr\u00ean m\u00f4i tr\u01b0\u1eddng m\u1ea1ng (tr\u1eeb h\u1ed3 s\u01a1 thu\u1ed9c ph\u1ea1m vi b\u00ed m\u1eadt Nh\u00e0 n\u01b0\u1edbc) l\u00ean 90%; Ng\u00e2n h\u00e0ng c\u00f3 tr\u00e1ch nhi\u1ec7m t\u0103ng c\u01b0\u1eddng x\u1eed l\u00fd th\u00f4ng tin v\u00e0 l\u01b0u tr\u1eef th\u00f4ng tin tr\u00ean m\u00f4i tr\u01b0\u1eddng m\u1ea1ng v\u00e0 th\u1ef1c hi\u1ec7n s\u1eed d\u1ee5ng ch\u1eef k\u00fd s\u1ed1 100%.<\/li>\n\n\n\n<li>V\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng, t\u1eadp trung n\u00e2ng t\u1ef7 tr\u1ecdng th\u1ef1c hi\u1ec7n nghi\u1ec7p v\u1ee5 tr\u00ean m\u00f4i tr\u01b0\u1eddng s\u1ed1, n\u00e2ng cao s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n \u0111i\u1ec7n t\u1eed, t\u1eeb \u0111\u00f3 n\u00e2ng t\u1ef7 tr\u1ecdng doanh thu tr\u00ean c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-2-nhi\u1ec7m-v\u1ee5-va-gi\u1ea3i-phap-trong-k\u1ebf-ho\u1ea1ch\"><strong>3.2 Nhi\u1ec7m v\u1ee5 v\u00e0 gi\u1ea3i ph\u00e1p trong k\u1ebf ho\u1ea1ch<\/strong><\/h3>\n\n\n\n<p><strong>Nhi\u1ec7m v\u1ee5 1: Chuy\u1ec3n \u0111\u1ed5i nh\u1eadn th\u1ee9c v\u00e0 n\u00e2ng cao ki\u1ebfn th\u1ee9c v\u1ec1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong><\/p>\n\n\n\n<p>Trong ng\u00e0nh ng\u00e2n h\u00e0ng, vi\u1ec7c n\u00e2ng cao nh\u1eadn th\u1ee9c v\u00e0 ki\u1ebfn th\u1ee9c v\u1ec1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ea7n \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y m\u1ea1nh m\u1ebd qua nhi\u1ec1u ho\u1ea1t \u0111\u1ed9ng, bao g\u1ed3m: L\u00e3nh \u0111\u1ea1o c\u00e1c t\u1ed5 ch\u1ee9c ch\u1ecbu tr\u00e1ch nhi\u1ec7m tr\u1ef1c ti\u1ebfp, g\u1eafn m\u1ee5c ti\u00eau chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0o chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n v\u00e0 k\u1ebf ho\u1ea1ch h\u00e0nh \u0111\u1ed9ng t\u1ed5ng th\u1ec3. H\u1eb1ng n\u0103m, c\u1ea7n t\u1ed5 ch\u1ee9c s\u1ef1 ki\u1ec7n \u201cNg\u00e0y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng\u201d \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng nh\u1eadn th\u1ee9c c\u1ed9ng \u0111\u1ed3ng, b\u00ean c\u1ea1nh c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh truy\u1ec1n th\u00f4ng, \u0111\u00e0o t\u1ea1o cho c\u00e1n b\u1ed9 nh\u1eb1m hi\u1ec3u r\u00f5 vai tr\u00f2 v\u00e0 l\u1ee3i \u00edch c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/p>\n\n\n\n<p><strong>Nhi\u1ec7m v\u1ee5 2: T\u00edch c\u1ef1c x\u00e2y d\u1ef1ng v\u00e0 ho\u00e0n thi\u1ec7n khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd \u0111\u1ec3 th\u00fac \u0111\u1ea9y chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong><\/p>\n\n\n\n<p>C\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u1ea7n \u0111\u01b0\u1ee3c nghi\u00ean c\u1ee9u, s\u1eeda \u0111\u1ed5i v\u00e0 b\u1ed5 sung \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7 s\u1ed1 v\u00e0 h\u1ed7 tr\u1ee3 ph\u00e1t tri\u1ec3n c\u00e1c m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng s\u1ed1, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, quy \u0111\u1ecbnh cho vay \u0111i\u1ec7n t\u1eed, quy \u0111\u1ecbnh khuy\u1ebfn kh\u00edch \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed1 nh\u01b0 AI v\u00e0 blockchain, ph\u00e1t tri\u1ec3n ng\u00e2n h\u00e0ng m\u1edf, giao d\u1ecbch \u0111i\u1ec7n t\u1eed, b\u1ea3o m\u1eadt v\u00e0 an ninh tr\u00ean Internet, c\u0169ng nh\u01b0 th\u1eed nghi\u1ec7m Fintech qua sandbox.<\/p>\n\n\n\n<p>Ngo\u00e0i ra, c\u1ea7n tri\u1ec3n khai ti\u00eau chu\u1ea9n h\u00f3a d\u1eef li\u1ec7u v\u00e0 k\u1ef9 thu\u1eadt \u0111\u1ec3 k\u1ebft n\u1ed1i v\u00e0 chia s\u1ebb d\u1eef li\u1ec7u trong v\u00e0 ngo\u00e0i ng\u00e0nh ng\u00e2n h\u00e0ng, c\u00f9ng v\u1edbi nghi\u00ean c\u1ee9u ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng.<\/p>\n\n\n\n<p><strong>Nhi\u1ec7m v\u1ee5 3: Ph\u00e1t tri\u1ec3n v\u00e0 hi\u1ec7n \u0111\u1ea1i h\u00f3a h\u1ea1 t\u1ea7ng s\u1ed1<\/strong><\/p>\n\n\n\n<p>Ng\u00e0nh ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ph\u00e1t tri\u1ec3n h\u1ea1 t\u1ea7ng s\u1ed1 b\u1eb1ng c\u00e1ch hi\u1ec7n \u0111\u1ea1i h\u00f3a h\u1ec7 th\u1ed1ng thanh to\u00e1n v\u00e0 t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng k\u1ebft n\u1ed1i li\u00ean th\u00f4ng, bao g\u1ed3m n\u00e2ng c\u1ea5p h\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed li\u00ean ng\u00e2n h\u00e0ng (IBPS) v\u00e0 m\u1edf r\u1ed9ng h\u1ea1 t\u1ea7ng cho thanh to\u00e1n b\u00e1n l\u1ebb v\u1edbi c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n m\u1edbi nh\u01b0 QR, v\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 thanh to\u00e1n di \u0111\u1ed9ng. \u0110\u1ed3ng th\u1eddi, c\u1ea7n tri\u1ec3n khai m\u1edf r\u1ed9ng h\u1ea1 t\u1ea7ng x\u1eed l\u00fd d\u1eef li\u1ec7u v\u00e0 n\u00e2ng c\u1ea5p c\u1ed5ng th\u00f4ng tin t\u00edn d\u1ee5ng nh\u1eb1m h\u1ed7 tr\u1ee3 qu\u1ea3n tr\u1ecb r\u1ee7i ro.<\/p>\n\n\n\n<p>Ngo\u00e0i ra, h\u1ea1 t\u1ea7ng k\u1ebft n\u1ed1i v\u1edbi C\u01a1 s\u1edf d\u1eef li\u1ec7u qu\u1ed1c gia v\u1ec1 d\u00e2n c\u01b0 v\u00e0 doanh nghi\u1ec7p c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng \u0111\u1ec3 khai th\u00e1c d\u1eef li\u1ec7u ph\u1ee5c v\u1ee5 cho vi\u1ec7c x\u00e1c minh kh\u00e1ch h\u00e0ng, c\u00f9ng v\u1edbi vi\u1ec7c ho\u00e0n thi\u1ec7n n\u1ec1n t\u1ea3ng chia s\u1ebb d\u1eef li\u1ec7u nh\u1eb1m h\u1ed7 tr\u1ee3 tri\u1ec3n khai Ch\u00ednh ph\u1ee7 \u0111i\u1ec7n t\u1eed v\u00e0 k\u1ebft n\u1ed1i li\u00ean ng\u00e0nh.<\/p>\n\n\n\n<p><strong>Nhi\u1ec7m v\u1ee5 4: X\u00e2y d\u1ef1ng v\u00e0 tri\u1ec3n khai Ch\u00ednh ph\u1ee7 \u0111i\u1ec7n t\u1eed t\u1ea1i NHNN<\/strong><\/p>\n\n\n\n<p>NHNN c\u00f3 tr\u00e1ch nhi\u1ec7m tri\u1ec3n khai Ch\u00ednh ph\u1ee7 \u0111i\u1ec7n t\u1eed th\u00f4ng qua vi\u1ec7c th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i s\u1ed1 theo Ki\u1ebfn tr\u00fac Ch\u00ednh ph\u1ee7 \u0111i\u1ec7n t\u1eed 2.0 v\u00e0 k\u1ebf ho\u1ea1ch \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin. \u0110\u1ed3ng th\u1eddi, c\u1ea7n t\u00edch c\u1ef1c \u0111\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed1 v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng qu\u1ea3n l\u00fd, ki\u1ec3m tra, gi\u00e1m s\u00e1t, v\u00e0 v\u1eadn h\u00e0nh n\u1ed9i b\u1ed9, nh\u1eb1m t\u1ed1i \u01b0u h\u00f3a hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng v\u00e0 t\u0103ng c\u01b0\u1eddng n\u0103ng l\u1ef1c qu\u1ea3n tr\u1ecb.<\/p>\n\n\n\n<p>Ngo\u00e0i ra, k\u1ebf ho\u1ea1ch c\u00f2n \u0111\u1ec1 ra m\u1ed9t s\u1ed1 nhi\u1ec7m v\u1ee5 quan tr\u1ecdng kh\u00e1c, bao g\u1ed3m:<\/p>\n\n\n\n<p>\u2013 H\u00ecnh th\u00e0nh v\u00e0 ph\u00e1t tri\u1ec3n m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng s\u1ed1 t\u1ea1i c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng;<\/p>\n\n\n\n<p>\u2013 Ph\u00e1t tri\u1ec3n v\u00e0 khai th\u00e1c d\u1eef li\u1ec7u s\u1ed1 c\u1ee7a NHNN v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 theo m\u00f4 h\u00ecnh d\u1eef li\u1ec7u l\u1edbn, \u0111\u1ed3ng th\u1eddi \u0111\u1ea9y m\u1ea1nh vi\u1ec7c thu th\u1eadp v\u00e0 l\u00e0m s\u1ea1ch d\u1eef li\u1ec7u;<\/p>\n\n\n\n<p>\u2013 B\u1ea3o \u0111\u1ea3m an to\u00e0n d\u1eef li\u1ec7u, an ninh m\u1ea1ng theo ti\u00eau chu\u1ea9n trong n\u01b0\u1edbc v\u00e0 Qu\u1ed1c t\u1ebf;<\/p>\n\n\n\n<p>\u2013 Ph\u00e1t tri\u1ec3n v\u00e0 \u0111\u00e0o t\u1ea1o ngu\u1ed3n nh\u00e2n l\u1ef1c ch\u1ea5t l\u01b0\u1ee3ng cao c\u00f3 ki\u1ebfn th\u1ee9c v\u00e0 tr\u00ecnh \u0111\u1ed9 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin v\u00e0 k\u1ef9 n\u0103ng v\u1ec1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1;<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"475\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-ngan-hang-1024x475.webp\" alt=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e2n h\u00e0ng\" class=\"wp-image-13512\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-ngan-hang-1024x475.webp 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-ngan-hang-300x139.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-ngan-hang-768x356.webp 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-ngan-hang-1536x712.webp 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/chuyen-doi-so-ngan-hang.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-l\u1ee3i-ich-c\u1ee7a-chuy\u1ec3n-d\u1ed5i-s\u1ed1-trong-nganh-ngan-hang\"><strong>4. L\u1ee3i \u00edch c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng<\/strong><\/h2>\n\n\n\n<p><strong>T\u0103ng c\u01b0\u1eddng ti\u1ec7n l\u1ee3i v\u00e0 b\u1ea3o m\u1eadt<\/strong><\/p>\n\n\n\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 cho ph\u00e9p kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch t\u1eeb xa m\u1ecdi l\u00fac, m\u1ecdi n\u01a1i. Ch\u1ec9 v\u1edbi m\u1ed9t \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng ho\u1eb7c trang web ng\u00e2n h\u00e0ng, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ki\u1ec3m tra s\u1ed1 d\u01b0, chuy\u1ec3n ti\u1ec1n, thanh to\u00e1n h\u00f3a \u0111\u01a1n, qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0, v\u00e0 vay m\u01b0\u1ee3n \u2013 kh\u00f4ng c\u1ea7n \u0111\u1ebfn tr\u1ef1c ti\u1ebfp ng\u00e2n h\u00e0ng, t\u1eeb \u0111\u00f3 ti\u1ebft ki\u1ec7m r\u1ea5t nhi\u1ec1u th\u1eddi gian. \u0110\u1ed3ng th\u1eddi, b\u1ea3o m\u1eadt th\u00f4ng tin v\u00e0 giao d\u1ecbch \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean h\u00e0ng \u0111\u1ea7u, v\u1edbi c\u00e1c bi\u1ec7n ph\u00e1p ti\u00ean ti\u1ebfn nh\u01b0 m\u00e3 h\u00f3a d\u1eef li\u1ec7u, x\u00e1c th\u1ef1c hai y\u1ebfu t\u1ed1, gi\u00e1m s\u00e1t giao d\u1ecbch b\u1ea5t th\u01b0\u1eddng v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro t\u00e0i ch\u00ednh. <a href=\"https:\/\/base.vn\/blog\/cong-nghe-blockchain-la-gi\/\" target=\"_blank\" rel=\"noreferrer noopener\">C\u00f4ng ngh\u1ec7 blockchain<\/a> c\u0169ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 b\u1ea3o m\u1eadt t\u1ed1i \u0111a, gi\u00fap kh\u00e1ch h\u00e0ng y\u00ean t\u00e2m khi giao d\u1ecbch tr\u1ef1c tuy\u1ebfn.<\/p>\n\n\n\n<p><strong>Ti\u1ebft ki\u1ec7m chi ph\u00ed v\u1eadn h\u00e0nh<\/strong><\/p>\n\n\n\n<p>Chuy\u1ec3n \u0111\u1ed5i c\u00e1c quy tr\u00ecnh th\u1ee7 c\u00f4ng th\u00e0nh t\u1ef1 \u0111\u1ed9ng h\u00f3a gi\u00fap ng\u00e2n h\u00e0ng n\u00e2ng cao hi\u1ec7u su\u1ea5t v\u00e0 gi\u1ea3m ph\u1ee5 thu\u1ed9c v\u00e0o lao \u0111\u1ed9ng th\u1ee7 c\u00f4ng. V\u00ed d\u1ee5, c\u00e1c chatbot v\u00e0 tr\u1ee3 l\u00fd \u1ea3o c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng, gi\u1ea3m t\u1ea3i cho t\u1ed5ng \u0111\u00e0i v\u00e0 gi\u1ea3m nhu c\u1ea7u v\u1ec1 tuy\u1ec3n d\u1ee5ng nh\u00e2n s\u1ef1.<\/p>\n\n\n\n<p>Vi\u1ec7c l\u01b0u tr\u1eef \u0111i\u1ec7n t\u1eed c\u0169ng gi\u00fap ng\u00e2n h\u00e0ng ti\u1ebft ki\u1ec7m chi ph\u00ed mua s\u1eafm, in \u1ea5n v\u00e0 l\u01b0u tr\u1eef gi\u1ea5y t\u1edd, \u0111\u1ed3ng th\u1eddi t\u0103ng hi\u1ec7u qu\u1ea3 qu\u1ea3n l\u00fd th\u00f4ng tin. B\u00ean c\u1ea1nh \u0111\u00f3, nh\u1edd c\u00e1c h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh t\u1ef1 \u0111\u1ed9ng, th\u1eddi gian x\u1eed l\u00fd giao d\u1ecbch c\u0169ng gi\u1ea3m, gi\u00fap nh\u00e2n vi\u00ean t\u1eadp trung v\u00e0o c\u00e1c c\u00f4ng vi\u1ec7c gi\u00e1 tr\u1ecb cao h\u01a1n v\u00e0 h\u1ea1n ch\u1ebf l\u1ed7i trong quy tr\u00ecnh.<\/p>\n\n\n\n<p><strong>C\u00e1 nh\u00e2n h\u00f3a d\u1ecbch v\u1ee5<\/strong><\/p>\n\n\n\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 gi\u00fap ng\u00e2n h\u00e0ng thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng m\u1ed9t c\u00e1ch s\u1eafc b\u00e9n v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n, tr\u00ean c\u01a1 s\u1edf \u0111\u00f3 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n h\u00f3a t\u1ed1t h\u01a1n. Ch\u1eb3ng h\u1ea1n nh\u01b0, AI th\u1ef1c hi\u1ec7n ph\u00e2n t\u00edch t\u1eebng \u0111i\u1ec3m ch\u1ea1m trong h\u00e0nh tr\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng, cho ph\u00e9p ng\u00e2n h\u00e0ng hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 nhu c\u1ea7u v\u00e0 \u01b0u ti\u00ean c\u1ee7a t\u1eebng ng\u01b0\u1eddi, t\u1eeb \u0111\u00f3 \u0111\u1ec1 xu\u1ea5t c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p.<\/p>\n\n\n\n<p>Ngo\u00e0i ra, c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 c\u0169ng cho ph\u00e9p kh\u00e1ch h\u00e0ng ch\u1ee7 \u0111\u1ed9ng c\u00e1 nh\u00e2n h\u00f3a tr\u1ea3i nghi\u1ec7m c\u1ee7a m\u00ecnh, t\u1eeb vi\u1ec7c ch\u1ecdn giao di\u1ec7n \u0111\u1ebfn t\u00f9y ch\u1ec9nh c\u00e1c n\u1ed9i dung th\u00f4ng b\u00e1o tr\u00ean \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"574\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/loi-ich-chuyen-doi-so-nganh-ngan-hang-1024x574.webp\" alt=\"L\u1ee3i \u00edch C\u0110S ng\u00e0nh ng\u00e2n h\u00e0ng\" class=\"wp-image-13516\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/loi-ich-chuyen-doi-so-nganh-ngan-hang-1024x574.webp 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/loi-ich-chuyen-doi-so-nganh-ngan-hang-300x168.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/loi-ich-chuyen-doi-so-nganh-ngan-hang-768x430.webp 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/loi-ich-chuyen-doi-so-nganh-ngan-hang-1536x861.webp 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/loi-ich-chuyen-doi-so-nganh-ngan-hang.webp 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-kho-khan-va-tr\u1edf-ng\u1ea1i-khi-th\u1ef1c-hi\u1ec7n-chuy\u1ec3n-d\u1ed5i-s\u1ed1-trong-linh-v\u1ef1c-ngan-hang\"><strong>5. Kh\u00f3 kh\u0103n v\u00e0 tr\u1edf ng\u1ea1i khi th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng<\/strong><\/h2>\n\n\n\n<p>Qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng \u0111ang di\u1ec5n ra nhanh ch\u00f3ng, nh\u01b0ng c\u00f9ng v\u1edbi \u0111\u00f3 l\u00e0 nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn m\u00e0 ng\u00e0nh ph\u1ea3i \u0111\u1ed1i m\u1eb7t:<\/p>\n\n\n\n<p><strong>R\u1ee7i ro cao n\u1ebfu k\u1ebft qu\u1ea3 kh\u00f4ng nh\u01b0 k\u1ef3 v\u1ecdng<\/strong><\/p>\n\n\n\n<p>Ng\u00e0nh ng\u00e2n h\u00e0ng c\u00f3 r\u1ee7i ro t\u00e0i ch\u00ednh v\u00e0 uy t\u00edn cao, do \u0111\u00f3 c\u00e1c s\u00e1ng ki\u1ebfn chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ea7n \u0111\u01b0\u1ee3c l\u00ean k\u1ebf ho\u1ea1ch v\u00e0 th\u1eed nghi\u1ec7m k\u1ef9 l\u01b0\u1ee1ng \u0111\u1ec3 tr\u00e1nh gi\u00e1n \u0111o\u1ea1n ho\u1ea1t \u0111\u1ed9ng v\u00e0 ng\u0103n ch\u1eb7n c\u00e1c l\u1ed7 h\u1ed5ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn m\u1ea5t m\u00e1t d\u1eef li\u1ec7u ho\u1eb7c truy c\u1eadp tr\u00e1i ph\u00e9p. Ngo\u00e0i ra, c\u00e1c s\u00e1ng ki\u1ebfn v\u1ec1 c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong ng\u00e0nh ng\u00e2n h\u00e0ng c\u00f2n ch\u1ecbu s\u1ef1 chi ph\u1ed1i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh c\u1ee7a nhi\u1ec1u v\u0103n b\u1ea3n quy ph\u1ea1m ph\u00e1p lu\u1eadt v\u00e0 v\u0103n b\u1ea3n ch\u1ec9 \u0111\u1ea1o c\u1ee7a Ch\u00ednh ph\u1ee7 v\u1ec1 chuy\u1ec3n \u0111\u1ed5i s\u1ed1, v\u00ec v\u1eady, \u0111\u00f2i h\u1ecfi ng\u00e2n h\u00e0ng ph\u1ea3i th\u01b0\u1eddng xuy\u00ean c\u1eadp nh\u1eadt v\u00e0 n\u1eafm r\u00f5 c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ef1 tu\u00e2n th\u1ee7.<\/p>\n\n\n\n<p><strong>Y\u00eau c\u1ea7u cao v\u1ec1 ngu\u1ed3n nh\u00e2n l\u1ef1c s\u1ed1<\/strong><\/p>\n\n\n\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 l\u00e0 m\u1ed9t nhi\u1ec7m v\u1ee5 ph\u1ee9c t\u1ea1p, kh\u00f4ng ch\u1ec9 y\u00eau c\u1ea7u ki\u1ebfn th\u1ee9c v\u1ec1 c\u00f4ng ngh\u1ec7 m\u00e0 c\u00f2n \u0111\u00f2i h\u1ecfi s\u1ef1 am hi\u1ec3u v\u1ec1 nhi\u1ec1u l\u0129nh v\u1ef1c nh\u01b0 nghi\u00ean c\u1ee9u, \u0111\u00e0o t\u1ea1o, truy\u1ec1n th\u00f4ng, v\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch. Hi\u1ec7n nay, ngu\u1ed3n nh\u00e2n l\u1ef1c ph\u1ee5c v\u1ee5 cho chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ch\u01b0a \u0111\u00e1p \u1ee9ng \u0111\u1ee7 c\u1ea3 v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng, ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 k\u1ef9 n\u0103ng. \u0110\u1eb7c bi\u1ec7t, c\u00f2n thi\u1ebfu h\u1ee5t nh\u00e2n s\u1ef1 chuy\u00ean m\u00f4n trong c\u00e1c l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 m\u1edbi nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, d\u1eef li\u1ec7u l\u1edbn, v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a.<\/p>\n\n\n\n<p><strong>Thay \u0111\u1ed5i to\u00e0n di\u1ec7n v\u0103n h\u00f3a t\u1ed5 ch\u1ee9c<\/strong><\/p>\n\n\n\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 \u0111\u00f2i h\u1ecfi s\u1ef1 linh ho\u1ea1t v\u00e0 \u0111\u1ed5i m\u1edbi t\u1eeb m\u1ecdi c\u1ea5p trong t\u1ed5 ch\u1ee9c. Tuy nhi\u00ean, nhi\u1ec1u ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng v\u1eabn gi\u1eef c\u00e1c quy tr\u00ecnh v\u00e0 t\u01b0 duy c\u0169, l\u00e0m c\u1ea3n tr\u1edf s\u1ef1 th\u00edch \u1ee9ng v\u1edbi c\u00f4ng ngh\u1ec7. B\u00ean c\u1ea1nh \u0111\u00f3, s\u1ef1 kh\u00f4ng \u0111\u1ed3ng nh\u1ea5t trong h\u1ec7 th\u1ed1ng v\u00e0 m\u1ee5c ti\u00eau gi\u1eefa c\u00e1c ph\u00f2ng ban c\u00f3 th\u1ec3 g\u00e2y ra s\u1ef1 ch\u1ed1ng \u0111\u1ed1i, l\u00e0m ch\u1eadm ti\u1ebfn \u0111\u1ed9, gi\u1ea3m hi\u1ec7u qu\u1ea3 c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1. V\u00ec v\u1eady, \u0111i\u1ec1u t\u1ed1i quan tr\u1ecdng l\u00e0 c\u1ea7n ph\u1ea3i thay \u0111\u1ed5i t\u01b0 duy c\u1ee7a t\u1eebng nh\u00e2n vi\u00ean \u0111\u1ec3 h\u1ecd s\u1eb5n s\u00e0ng h\u1ecdc h\u1ecfi, ti\u1ebfp thu l\u1ee3i \u00edch c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 t\u00edch c\u1ef1c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1edbi<\/p>\n\n\n\n<p><strong>C\u1ea7n ngu\u1ed3n \u0111\u1ea7u t\u01b0 v\u00e0 ng\u00e2n s\u00e1ch v\u1eefng m\u1ea1nh<\/strong><\/p>\n\n\n\n<p>V\u00f2ng \u0111\u1eddi \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 ph\u1ea7n c\u1ee9ng v\u00e0 ph\u1ea7n m\u1ec1m c\u1ee7a ng\u00e2n h\u00e0ng th\u01b0\u1eddng ng\u1eafn h\u01a1n c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p kh\u00e1c. V\u00ec v\u1eady, chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00f2i h\u1ecfi ph\u1ea3i li\u00ean t\u1ee5c n\u00e2ng c\u1ea5p v\u00e0 c\u1eadp nh\u1eadt c\u00f4ng ngh\u1ec7, d\u1eabn \u0111\u1ebfn chi ph\u00ed \u0111\u1ea7u t\u01b0 v\u00e0 v\u1eadn h\u00e0nh r\u1ea5t l\u1edbn.<\/p>\n\n\n\n<p><strong>R\u1ee7i ro v\u1ec1 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u v\u00e0 an to\u00e0n th\u00f4ng tin<\/strong><\/p>\n\n\n\n<p>S\u1ef1 gia t\u0103ng c\u1ee7a t\u1ed9i ph\u1ea1m c\u00f4ng ngh\u1ec7 cao, c\u00e1c h\u00ecnh th\u1ee9c l\u1eeba \u0111\u1ea3o tr\u1ef1c tuy\u1ebfn, r\u1ee7i ro v\u1ec1 m\u1ea5t m\u00e1t d\u1eef li\u1ec7u, chi\u1ebfm \u0111o\u1ea1t ti\u1ec1n trong t\u00e0i kho\u1ea3n kh\u00e1ch h\u00e0ng \u0111ang tr\u1edf th\u00e0nh m\u1ed1i lo ng\u1ea1i l\u1edbn, th\u00eam v\u00e0o \u0111\u00f3, t\u1ed1c \u0111\u1ed9 lan truy\u1ec1n th\u00f4ng tin ti\u00eau c\u1ef1c tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i nhanh ch\u00f3ng c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m ni\u1ec1m tin c\u1ee7a c\u00f4ng ch\u00fang v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7t ra th\u00e1ch th\u1ee9c l\u1edbn cho ng\u00e0nh ng\u00e2n h\u00e0ng trong vi\u1ec7c n\u00e2ng cao kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u00e0 x\u00e2y d\u1ef1ng l\u00f2ng tin v\u1edbi kh\u00e1ch h\u00e0ng v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 tr\u00ean n\u1ec1n t\u1ea3ng s\u1ed1.<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#ebf6fd\"><strong>\u0110\u1ecdc th\u00eam:<\/strong> <a href=\"https:\/\/base.vn\/blog\/ai-trong-ngan-hang\/\" target=\"_blank\" rel=\"noreferrer noopener\">AI trong ng\u00e0nh ng\u00e2n h\u00e0ng: C\u00e1ch c\u00f4ng ngh\u1ec7 thay \u0111\u1ed5i cu\u1ed9c ch\u01a1i<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-cac-b\u01b0\u1edbc-th\u1ef1c-hi\u1ec7n-chuy\u1ec3n-d\u1ed5i-s\u1ed1-trong-ngan-hang\"><strong>6. C\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e2n h\u00e0ng<\/strong><\/h2>\n\n\n\n<p>\u0110\u1ec3 \u0111em l\u1ea1i l\u1ee3i \u00edch t\u1ed1i \u01b0u cho c\u1ea3 n\u1ed9i b\u1ed9, kh\u00e1ch h\u00e0ng v\u00e0 x\u00e3 h\u1ed9i, quy tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u00e0 tri\u1ec3n khai m\u1ed9t c\u00e1ch b\u00e0i b\u1ea3n v\u00e0 khoa h\u1ecdc, t\u1eeb vi\u1ec7c thi\u1ebft l\u1eadp m\u1ee5c ti\u00eau cho \u0111\u1ebfn \u0111\u00e1nh gi\u00e1 v\u00e0 c\u1ea3i ti\u1ebfn. D\u01b0\u1edbi \u0111\u00e2y, Base Blog xin g\u1ee3i \u00fd 5 b\u01b0\u1edbc c\u01a1 b\u1ea3n c\u1ea7n th\u1ef1c hi\u1ec7n trong quy tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a ng\u00e2n h\u00e0ng:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-1-d\u1ecbnh-hinh-chi\u1ebfn-l\u01b0\u1ee3c-chuy\u1ec3n-d\u1ed5i-s\u1ed1\"><strong>B\u01b0\u1edbc 1: \u0110\u1ecbnh h\u00ecnh chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1<\/strong><\/h3>\n\n\n\n<p>Tr\u01b0\u1edbc khi ti\u1ebfn h\u00e0nh chuy\u1ec3n \u0111\u1ed5i s\u1ed1, ng\u00e2n h\u00e0ng c\u1ea7n ph\u00e2n t\u00edch, \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh hi\u1ec7n t\u1ea1i, bao g\u1ed3m c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c v\u00e0 x\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau d\u00e0i h\u1ea1n. C\u1ea7n l\u01b0u \u00fd, m\u1ee5c ti\u00eau c\u1ee7a chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ph\u1ea3i ph\u00f9 h\u1ee3p v\u00e0 nh\u1ea5t qu\u00e1n v\u1edbi m\u1ee5c ti\u00eau chi\u1ebfn l\u01b0\u1ee3c kinh doanh t\u1ed5ng th\u1ec3 c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 t\u01b0\u01a1ng th\u00edch v\u1edbi ph\u01b0\u01a1ng ch\u00e2m ph\u1ee5c v\u1ee5 kh\u00e1ch h\u00e0ng, quy tr\u00ecnh n\u1ed9i b\u1ed9 v\u00e0 n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 hi\u1ec7n c\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-2-nghien-c\u1ee9u-va-phan-tich-v\u1ea5n-d\u1ec1\"><strong>B\u01b0\u1edbc 2: Nghi\u00ean c\u1ee9u v\u00e0 ph\u00e2n t\u00edch v\u1ea5n \u0111\u1ec1<\/strong><\/h3>\n\n\n\n<p>Ng\u00e2n h\u00e0ng c\u1ea7n th\u1ef1c hi\u1ec7n vi\u1ec7c thu th\u1eadp th\u00f4ng tin li\u00ean quan \u0111\u1ebfn t\u1ea5t c\u1ea3 c\u00e1c kh\u00eda c\u1ea1nh, bao g\u1ed3m quy tr\u00ecnh l\u00e0m vi\u1ec7c, h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7, c\u01a1 s\u1edf d\u1eef li\u1ec7u. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1eb1ng c\u00e1ch xem x\u00e9t t\u00e0i li\u1ec7u, trao \u0111\u1ed5i tr\u1ef1c ti\u1ebfp v\u1edbi nh\u00e2n vi\u00ean ho\u1eb7c c\u00e1c b\u1ed9 ph\u1eadn trong ng\u00e2n h\u00e0ng, v\u00e0 c\u00f3 th\u1ec3 kh\u1ea3o s\u00e1t ho\u1eb7c ph\u1ecfng v\u1ea5n kh\u00e1ch h\u00e0ng n\u1ebfu c\u1ea7n thi\u1ebft. V\u00ed d\u1ee5, c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd c\u1ea7n t\u00ecm hi\u1ec3u xem quy tr\u00ecnh c\u00f4ng vi\u1ec7c c\u00f3 \u0111i\u1ec3m ngh\u1ebdn n\u00e0o hay kh\u00f4ng, ho\u1eb7c kh\u00e1ch h\u00e0ng c\u00f3 \u0111ang g\u1eb7p ph\u1ea3i v\u1ea5n \u0111\u1ec1 g\u00ec khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n, m\u1edf th\u1ebb, chuy\u1ec3n kho\u1ea3n, v.v&#8230; Tr\u00ean c\u01a1 s\u1edf \u0111\u00f3, ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0a ra \u00fd t\u01b0\u1edfng c\u1ea3i ti\u1ebfn \u0111\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-3-thi\u1ebft-k\u1ebf-l\u1ed9-trinh-chuy\u1ec3n-d\u1ed5i-s\u1ed1\"><strong>B\u01b0\u1edbc 3: Thi\u1ebft k\u1ebf l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1<\/strong><\/h3>\n\n\n\n<p>L\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 l\u00e0 m\u1ed9t b\u1ea3n k\u1ebf ho\u1ea1ch chi ti\u1ebft, bao g\u1ed3m c\u00e1c giai \u0111o\u1ea1n, c\u00e1c m\u1ed1c th\u1eddi gian v\u00e0 ng\u00e2n s\u00e1ch \u0111\u1ec3 tri\u1ec3n khai c\u00e1c ho\u1ea1t \u0111\u1ed9ng v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/p>\n\n\n\n<p>L\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 kh\u00f4ng ch\u1ec9 cho ph\u00e9p ng\u00e2n h\u00e0ng d\u1ef1 b\u00e1o c\u00e1c v\u1ea5n \u0111\u1ec1 ti\u1ec1m \u1ea9n \u0111\u1ec3 \u0111\u1ec1 ra c\u00e1c bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba, m\u00e0 c\u00f2n cung c\u1ea5p m\u1ed9t khung l\u00e0m vi\u1ec7c c\u1ee5 th\u1ec3 cho c\u00e1c c\u00e1 nh\u00e2n, c\u00e1c b\u1ed9 ph\u1eadn trong ng\u00e2n h\u00e0ng, gi\u00fap qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 di\u1ec5n ra m\u1ed9t c\u00e1ch su\u00f4n s\u1ebb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-4-tri\u1ec3n-khai-k\u1ebf-ho\u1ea1ch-va-giam-sat\"><strong>B\u01b0\u1edbc 4: Tri\u1ec3n khai k\u1ebf ho\u1ea1ch v\u00e0 gi\u00e1m s\u00e1t<\/strong><\/h3>\n\n\n\n<p>\u0110\u00e2y l\u00e0 l\u00fac ng\u00e2n h\u00e0ng b\u1eaft \u0111\u1ea7u tri\u1ec3n khai th\u1ef1c hi\u1ec7n chuy\u1ec3n \u0111\u1ed5i s\u1ed1 theo k\u1ebf ho\u1ea1ch \u0111\u00e3 th\u1ed1ng nh\u1ea5t, bao g\u1ed3m c\u00e1c ho\u1ea1t \u0111\u1ed9ng chuy\u1ec3n \u0111\u1ed5i tr\u00ean h\u1ec7 th\u1ed1ng v\u00e0 \u1ee9ng d\u1ee5ng. \u0110\u1ed3ng th\u1eddi, ng\u00e2n h\u00e0ng c\u0169ng c\u1ea7n \u0111\u00e0o t\u1ea1o \u0111\u1ed9i ng\u0169 nh\u00e2n vi\u00ean v\u1ec1 c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 v\u00e0 \u1ee9ng d\u1ee5ng quy tr\u00ecnh m\u1edbi. Ngo\u00e0i ra, c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc \u0111i\u1ec1u ch\u1ec9nh c\u01a1 c\u1ea5u c\u00f4ng vi\u1ec7c v\u00e0 nh\u00e2n s\u1ef1 \u0111\u1ec3 ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi k\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b\u01b0\u1edbc-5-danh-gia-bao-cao-va-c\u1ea3i-thi\u1ec7n\"><strong>B\u01b0\u1edbc 5: \u0110\u00e1nh gi\u00e1, b\u00e1o c\u00e1o v\u00e0 c\u1ea3i thi\u1ec7n<\/strong><\/h3>\n\n\n\n<p>\u1ede b\u01b0\u1edbc n\u00e0y, ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u00e1nh gi\u00e1 k\u1ebft qu\u1ea3 v\u00e0 hi\u1ec7u su\u1ea5t c\u1ee7a c\u00e1c ho\u1ea1t \u0111\u1ed9ng chuy\u1ec3n \u0111\u1ed5i s\u1ed1 \u0111\u00e3 th\u1ef1c hi\u1ec7n, b\u00e1o c\u00e1o c\u00e1c th\u00e0nh t\u1ef1u \u0111\u1ea1t \u0111\u01b0\u1ee3c ho\u1eb7c nh\u1eefng kh\u00eda c\u1ea1nh c\u1ea7n c\u1ea3i thi\u1ec7n. Sau \u0111\u00f3, ti\u1ebfn h\u00e0nh ch\u1ec9nh l\u00fd \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a hi\u1ec7u qu\u1ea3 c\u1ee7a qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/p>\n\n\n\n<p>Quan tr\u1ecdng h\u01a1n h\u1ebft, ng\u00e2n h\u00e0ng n\u00ean l\u1eafng nghe \u00fd ki\u1ebfn ph\u1ea3n h\u1ed3i t\u1eeb kh\u00e1ch h\u00e0ng \u0111\u1ec3 ph\u00e1t hi\u1ec7n nh\u1eefng m\u1eb7t c\u00f2n h\u1ea1n ch\u1ebf, t\u1eeb \u0111\u00f3 \u0111\u01b0a ra ph\u01b0\u01a1ng \u00e1n, \u0111em \u0111\u1ebfn cho kh\u00e1ch h\u00e0ng nh\u1eefng tr\u1ea3i nghi\u1ec7m tuy\u1ec7t v\u1eddi h\u01a1n.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"706\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/5-buoc-chuyen-doi-so-ngan-hang-1024x706.webp\" alt=\"5 b\u01b0\u1edbc c\u0111s ng\u00e0nh ng\u00e2n h\u00e0ng\" class=\"wp-image-13520\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/5-buoc-chuyen-doi-so-ngan-hang-1024x706.webp 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/5-buoc-chuyen-doi-so-ngan-hang-300x207.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/5-buoc-chuyen-doi-so-ngan-hang-768x530.webp 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/5-buoc-chuyen-doi-so-ngan-hang-1536x1060.webp 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/5-buoc-chuyen-doi-so-ngan-hang-2048x1413.webp 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-base-vn-h\u1ed7-tr\u1ee3-ngan-hang-t\u1ed5-ch\u1ee9c-tai-chinh-hi\u1ec7n-th\u1ef1c-hoa-chi\u1ebfn-l\u01b0\u1ee3c-chuy\u1ec3n-d\u1ed5i-s\u1ed1-trong-k\u1ef7-nguyen-4-0\"><strong>7. Base.vn h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh hi\u1ec7n th\u1ef1c h\u00f3a chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong k\u1ef7 nguy\u00ean 4.0<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/base.vn?utm_source=base-blog&amp;utm_content=base.vn\/blog\/chuyen-doi-so-nganh-ngan-hang\/\" target=\"_blank\" rel=\"noreferrer noopener\">Base.vn<\/a> l\u00e0 m\u1ed9t trong nh\u1eefng c\u00f4ng ty c\u00f4ng ngh\u1ec7 ti\u00ean phong trong l\u0129nh v\u1ef1c cung c\u1ea5p n\u1ec1n t\u1ea3ng qu\u1ea3n tr\u1ecb doanh nghi\u1ec7p d\u01b0\u1edbi d\u1ea1ng d\u1ecbch v\u1ee5 (SaaS) t\u1ea1i Vi\u1ec7t Nam, h\u1ed7 tr\u1ee3 c\u00e1c doanh nghi\u1ec7p v\u00e0 t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd to\u00e0n di\u1ec7n t\u1eeb c\u00f4ng vi\u1ec7c, d\u1ef1 \u00e1n, th\u00f4ng tin \u0111\u1ebfn nh\u00e2n s\u1ef1 v\u00e0 t\u00e0i ch\u00ednh. V\u1edbi h\u01a1n 60 \u1ee9ng d\u1ee5ng ti\u00ean ti\u1ebfn, Base.vn hi\u1ec7n \u0111ang h\u1ed7 tr\u1ee3 h\u01a1n 9,000 doanh nghi\u1ec7p thu\u1ed9c nhi\u1ec1u l\u0129nh v\u1ef1c, bao g\u1ed3m ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh, gi\u00e1o d\u1ee5c, x\u00e2y d\u1ef1ng, y t\u1ebf,&#8230;<\/p>\n\n\n\n<p>\u0110\u1eb7c bi\u1ec7t, Base.vn \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng v\u1edbi kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng kh\u00f4ng gi\u1edbi h\u1ea1n: T\u00edch h\u1ee3p d\u1ec5 d\u00e0ng v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng ph\u1ea7n m\u1ec1m ng\u00e2n h\u00e0ng \u0111ang s\u1eed d\u1ee5ng, h\u1ed7 tr\u1ee3 chi\u1ebfn l\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 cho ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch t\u1ed1i \u01b0u.<\/p>\n\n\n\n<p>C\u00e1c gi\u1ea3i ph\u00e1p chuy\u1ec3n \u0111\u1ed5i s\u1ed1 n\u1ed5i b\u1eadt d\u00e0nh cho ng\u00e0nh t\u00e0i ch\u00ednh &#8211; ng\u00e2n h\u00e0ng:<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/base.vn\/platform\/work?utm_source=base-blog&amp;utm_content=base.vn\/blog\/chuyen-doi-so-nganh-ngan-hang\/\" target=\"_blank\" rel=\"noreferrer noopener\">Base Work+<\/a> &#8211; B\u1ed9 \u1ee9ng d\u1ee5ng qu\u1ea3n tr\u1ecb c\u00f4ng vi\u1ec7c, quy tr\u00ecnh v\u00e0 d\u1ef1 \u00e1n to\u00e0n di\u1ec7n, <\/strong>h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng tri\u1ec3n khai qu\u1ea3n l\u00fd c\u00f4ng vi\u1ec7c v\u00e0 d\u1ef1 \u00e1n tr\u00ean quy m\u00f4 to\u00e0n b\u1ed9 t\u1ed5 ch\u1ee9c ho\u1eb7c t\u1ea1i c\u00e1c chi nh\u00e1nh, ph\u00f2ng ban, gi\u00fap n\u00e2ng cao hi\u1ec7u su\u1ea5t l\u00e0m vi\u1ec7c v\u00e0 k\u1ebft n\u1ed1i ch\u1eb7t ch\u1ebd \u0111\u1ed9i ng\u0169 lao \u0111\u1ed9ng. B\u1ed9 gi\u1ea3i ph\u00e1p n\u00e0y gi\u1ea3i quy\u1ebft hi\u1ec7u qu\u1ea3 b\u1ed1n v\u1ea5n \u0111\u1ec1 ch\u00ednh:<\/p>\n\n\n\n<p>\u2013 Thi\u1ebft l\u1eadp quy tr\u00ecnh v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch c\u00f4ng vi\u1ec7c khoa h\u1ecdc t\u1eeb c\u1ea5p qu\u1ea3n l\u00fd \u0111\u1ebfn t\u1eebng nh\u00e2n vi\u00ean;<\/p>\n\n\n\n<p>\u2013 Theo d\u00f5i ti\u1ebfn \u0111\u1ed9 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c ho\u1eb7c d\u1ef1 \u00e1n theo th\u1eddi gian th\u1ef1c, ph\u00e2n b\u1ed5 ngu\u1ed3n l\u1ef1c hi\u1ec7u qu\u1ea3 d\u1ef1a tr\u00ean d\u1eef li\u1ec7u th\u1ef1c t\u1ebf;<\/p>\n\n\n\n<p>\u2013 B\u00e1o c\u00e1o c\u00f4ng vi\u1ec7c t\u1ef1 \u0111\u1ed9ng, \u0111o l\u01b0\u1eddng hi\u1ec7u su\u1ea5t theo quy tr\u00ecnh, theo d\u1ef1 \u00e1n, theo t\u1eebng ph\u00f2ng ban v\u00e0 theo t\u1eebng c\u00e1 nh\u00e2n;<\/p>\n\n\n\n<p>\u2013 X\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i l\u00e0m vi\u1ec7c, trao \u0111\u1ed5i v\u00e0 th\u1ea3o lu\u1eadn s\u1ed1 tr\u00ean c\u00f9ng m\u1ed9t n\u1ec1n t\u1ea3ng.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><a href=\"https:\/\/base.vn\/platform\/work?utm_source=base-blog&amp;utm_content=base.vn\/blog\/chuyen-doi-so-nganh-ngan-hang\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"469\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/Base-Work-1024x469.jpg\" alt=\"\" class=\"wp-image-13505\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/Base-Work-1024x469.jpg 1024w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/Base-Work-300x138.jpg 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/Base-Work-768x352.jpg 768w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/Base-Work-1536x704.jpg 1536w, https:\/\/base.vn\/wp-content\/uploads\/2024\/11\/Base-Work.jpg 1920w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure><\/div>\n\n\n<p><strong><a href=\"https:\/\/base.vn\/platform\/hrm?utm_source=base-blog&amp;utm_content=base.vn\/blog\/chuyen-doi-so-nganh-ngan-hang\/\" target=\"_blank\" rel=\"noreferrer noopener\">Base HRM+<\/a> &#8211; B\u1ed9 \u1ee9ng d\u1ee5ng qu\u1ea3n tr\u1ecb v\u00e0 ph\u00e1t tri\u1ec3n nh\u00e2n s\u1ef1 to\u00e0n di\u1ec7n, <\/strong>h\u1ed7 tr\u1ee3 \u0111\u1ed9i ng\u0169 HR qu\u1ea3n l\u00fd to\u00e0n b\u1ed9 h\u00e0nh tr\u00ecnh nh\u00e2n s\u1ef1, t\u1eeb tuy\u1ec3n d\u1ee5ng v\u00e0 h\u1ed9i nh\u1eadp, l\u01b0u tr\u1eef th\u00f4ng tin, ch\u1ea5m c\u00f4ng &#8211; t\u00ednh l\u01b0\u01a1ng, duy\u1ec7t ngh\u1ec9 ph\u00e9p, qu\u1ea3n tr\u1ecb m\u1ee5c ti\u00eau (KPI\/OKR\/MBO), \u0111\u1ebfn \u0111\u00e1nh gi\u00e1 v\u00e0 ph\u00e1t tri\u1ec3n nh\u00e2n vi\u00ean.<\/p>\n\n\n\n<p>\u0110\u1eb7c bi\u1ec7t, \u1ee9ng d\u1ee5ng <strong>Qu\u1ea3n tr\u1ecb tuy\u1ec3n d\u1ee5ng to\u00e0n di\u1ec7n Base E-Hiring <\/strong>trong b\u1ed9 Base HRM+ \u0111\u00e3 gi\u00fap nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u1ed1i \u01b0u h\u00f3a k\u1ebf ho\u1ea1ch tuy\u1ec3n d\u1ee5ng m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng k\u1ebft qu\u1ea3 v\u00f4 c\u00f9ng \u1ea5n t\u01b0\u1ee3ng, trong \u0111\u00f3 c\u00f3 Ng\u00e2n h\u00e0ng Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIB) v\u00e0 C\u00f4ng ty T\u00e0i ch\u00ednh C\u1ed5 ph\u1ea7n T\u00edn Vi\u1ec7t (VietCredit).<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/base.vn\/platform\/hrm?utm_source=base-blog&amp;utm_content=base.vn\/blog\/chuyen-doi-so-nganh-ngan-hang\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"454\" src=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/08\/Base-HRM.webp\" alt=\"Base HRM+\" class=\"wp-image-9653\" srcset=\"https:\/\/base.vn\/wp-content\/uploads\/2024\/08\/Base-HRM.webp 800w, https:\/\/base.vn\/wp-content\/uploads\/2024\/08\/Base-HRM-300x170.webp 300w, https:\/\/base.vn\/wp-content\/uploads\/2024\/08\/Base-HRM-768x436.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/a><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-1-cau-chuy\u1ec7n-thanh-cong-t\u1ea1i-ngan-hang-qu\u1ed1c-t\u1ebf-vi\u1ec7t-nam-vib\"><strong>7.1 C\u00e2u chuy\u1ec7n th\u00e0nh c\u00f4ng t\u1ea1i Ng\u00e2n h\u00e0ng Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIB)<\/strong><\/h3>\n\n\n\n<p>Th\u00e0nh l\u1eadp n\u0103m 1996, Ng\u00e2n h\u00e0ng Qu\u1ed1c t\u1ebf Vi\u1ec7t Nam (VIB) hi\u1ec7n \u0111ang s\u1edf h\u1eefu m\u1ed9t quy m\u00f4 nh\u00e2n s\u1ef1 c\u1ef1c k\u1ef3 l\u1edbn, l\u00ean \u0111\u1ebfn 6.800 ng\u01b0\u1eddi t\u1ea1i 163 chi nh\u00e1nh tr\u00ean to\u00e0n qu\u1ed1c. C\u0169ng nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng quy m\u00f4 l\u1edbn kh\u00e1c, VIB \u0111\u1eb7t ra ch\u1ec9 ti\u00eau tuy\u1ec3n d\u1ee5ng h\u00e0ng ng\u00e0n nh\u00e2n vi\u00ean m\u1ed7i n\u0103m, ri\u00eang n\u0103m 2019, con s\u1ed1 n\u00e0y \u0111\u00e3 l\u00ean \u0111\u1ebfn 3.000 ng\u01b0\u1eddi.<\/p>\n\n\n\n<p>Tr\u01b0\u1edbc khi d\u00f9ng \u1ee9ng d\u1ee5ng Base E-Hiring, VIB ch\u1ee7 y\u1ebfu s\u1eed d\u1ee5ng trang ch\u1ee7 \u0111\u1ec3 \u0111\u0103ng tin tuy\u1ec3n d\u1ee5ng. M\u1ed7i chuy\u00ean vi\u00ean nh\u00e2n s\u1ef1 t\u1ef1 qu\u1ea3n l\u00fd h\u1ed3 s\u01a1 v\u00e0 th\u00f4ng tin \u1ee9ng vi\u00ean m\u1ed9t c\u00e1ch ri\u00eang l\u1ebb, t\u1ef1 l\u01b0u tr\u1eef d\u1eef li\u1ec7u theo nh\u1eefng c\u00e1ch kh\u00e1c nhau, d\u1eabn \u0111\u1ebfn vi\u1ec7c qu\u1ea3n l\u00fd h\u1ed3 s\u01a1 \u1ee9ng vi\u00ean r\u1eddi r\u1ea1c, x\u1ea3y ra s\u1ef1 tr\u00f9ng l\u1eb7p v\u00e0 kh\u00f3 kh\u0103n trong vi\u1ec7c theo d\u00f5i h\u1ed3 s\u01a1.<\/p>\n\n\n\n<p>V\u00e0 t\u1eeb khi \u00e1p d\u1ee5ng <strong>Base E-Hiring<\/strong>, m\u1ecdi th\u00f4ng tin \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef v\u00e0 truy c\u1eadp nhanh ch\u00f3ng, gi\u00fap gi\u1ea3m thi\u1ec3u c\u00f4ng vi\u1ec7c th\u1ee7 c\u00f4ng v\u00e0 t\u0103ng t\u00ednh ch\u00ednh x\u00e1c trong quy tr\u00ecnh tuy\u1ec3n d\u1ee5ng.<\/p>\n\n\n\n<p>Ch\u1ecb H\u00e0 Thu Th\u1ea3o \u2013 Gi\u00e1m \u0111\u1ed1c tuy\u1ec3n d\u1ee5ng VIB khu v\u1ef1c mi\u1ec1n B\u1eafc, chia s\u1ebb: \u201cBase th\u1eadt s\u1ef1 \u0111\u00e3 h\u1ed7 tr\u1ee3 ch\u00fang t\u00f4i r\u1ea5t nhi\u1ec1u. Sau m\u1ed9t th\u1eddi gian l\u00e0m quen v\u1edbi thao t\u00e1c theo quy tr\u00ecnh tr\u00ean \u1ee9ng d\u1ee5ng, b\u1ed9 ph\u1eadn tuy\u1ec3n d\u1ee5ng \u0111\u00e3 c\u00f4ng nh\u1eadn nh\u1eefng gi\u00e1 tr\u1ecb t\u1eeb Base. B\u00e2y gi\u1edd ch\u00fang t\u00f4i c\u1ea7n th\u00f4ng tin g\u00ec \u0111\u1ec1u c\u00f3 th\u1ec3 t\u1ed5ng h\u1ee3p r\u1ea5t nhanh, v\u00ec m\u1ecdi d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef \u1edf \u0111\u00e2y c\u1ea3 r\u1ed3i, ch\u1ec9 m\u1ea5t v\u00e0i gi\u00e2y search (t\u00ecm ki\u1ebfm) th\u00f4i.\u201d<\/p>\n\n\n\n<p>H\u01a1n n\u1eefa, VIB c\u0169ng \u0111\u00e3 t\u00edch h\u1ee3p quy tr\u00ecnh tuy\u1ec3n d\u1ee5ng, t\u1eeb l\u1eadp k\u1ebf ho\u1ea1ch nh\u00e2n s\u1ef1, thu th\u1eadp h\u1ed3 s\u01a1, ph\u1ecfng v\u1ea5n \u0111\u1ebfn g\u1eedi offer letter, tr\u00ean Base E-Hiring, t\u1ea1o ra quy tr\u00ecnh tuy\u1ec3n d\u1ee5ng kh\u00e9p k\u00edn, n\u00e2ng cao t\u00ednh chuy\u00ean nghi\u1ec7p v\u00e0 gi\u1ea3m b\u1edbt kh\u1ed1i l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c th\u1ee7 c\u00f4ng. Sau khi tri\u1ec3n khai, ch\u1ec9 trong 3 th\u00e1ng, VIB \u0111\u00e3 tuy\u1ec3n th\u00e0nh c\u00f4ng 1.200 nh\u00e2n s\u1ef1 v\u1edbi ch\u1ec9 10 chuy\u00ean vi\u00ean tuy\u1ec3n d\u1ee5ng \u2013 minh ch\u1ee9ng r\u00f5 r\u1ec7t cho gi\u00e1 tr\u1ecb th\u1ef1c ti\u1ec5n c\u1ee7a Base E-Hiring \u0111\u1ed1i v\u1edbi chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n tr\u1ecb tuy\u1ec3n d\u1ee5ng t\u1ea1i ng\u00e2n h\u00e0ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-2-cau-chuy\u1ec7n-thanh-cong-t\u1ea1i-cong-ty-tai-chinh-c\u1ed5-ph\u1ea7n-tin-vi\u1ec7t-vietcredit\"><strong>7.2 C\u00e2u chuy\u1ec7n th\u00e0nh c\u00f4ng t\u1ea1i C\u00f4ng ty T\u00e0i ch\u00ednh C\u1ed5 ph\u1ea7n T\u00edn Vi\u1ec7t (VietCredit)<\/strong><\/h3>\n\n\n\n<p>N\u0103m 2018 \u0111\u00e1nh d\u1ea5u b\u01b0\u1edbc chuy\u1ec3n l\u1edbn c\u1ee7a VietCredit (ti\u1ec1n th\u00e2n l\u00e0 C\u00f4ng ty T\u00e0i ch\u00ednh C\u1ed5 ph\u1ea7n Xi m\u0103ng &#8211; CFC) khi quy\u1ebft \u0111\u1ecbnh m\u1edf r\u1ed9ng sang l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng. V\u1edbi \u0111\u1ecbnh h\u01b0\u1edbng m\u1edbi, VietCredit \u0111\u00e3 \u0111\u1eb7t m\u1ee5c ti\u00eau m\u1edf r\u1ed9ng quy m\u00f4 nh\u00e2n s\u1ef1 to\u00e0n qu\u1ed1c t\u1eeb 100 l\u00ean 1.000 ng\u01b0\u1eddi. Tr\u01b0\u1edbc \u00e1p l\u1ef1c t\u0103ng tr\u01b0\u1edfng \u201cnh\u1ea3y v\u1ecdt\u201d nh\u01b0 v\u1eady, c\u00e2u h\u1ecfi \u0111\u1eb7t ra l\u00e0: L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 VietCredit x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng tuy\u1ec3n d\u1ee5ng hi\u1ec7u qu\u1ea3, \u0111\u00e1p \u1ee9ng c\u1ea3 v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng l\u1eabn ch\u1ea5t l\u01b0\u1ee3ng \u1ee9ng vi\u00ean?<\/p>\n\n\n\n<p>Ch\u1ecb Minh, HR Manager c\u1ee7a VietCredit, chia s\u1ebb r\u1eb1ng: \u201cTh\u1ecb tr\u01b0\u1eddng lao \u0111\u1ed9ng ng\u00e0nh t\u00e0i ch\u00ednh ti\u00eau d\u00f9ng c\u1ea1nh tranh cao v\u1ec1 \u0111\u1ed9i ng\u0169 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh, trong khi th\u01b0\u01a1ng hi\u1ec7u tuy\u1ec3n d\u1ee5ng VietCredit v\u1eabn c\u00f2n r\u1ea5t m\u1edbi. Th\u00e1ch th\u1ee9c c\u1ee7a ch\u00fang t\u00f4i g\u1eb7p ph\u1ea3i l\u00e0 t\u1ea1o ngu\u1ed3n, \u0111\u00e1nh gi\u00e1 ngay t\u1ee9c th\u1eddi hi\u1ec7u qu\u1ea3 t\u1eebng ngu\u1ed3n \u0111\u1ec3 k\u1ecbp th\u1eddi thay \u0111\u1ed5i, trong khi \u0111\u00f3, h\u00e0ng ng\u00e0y v\u1eabn ph\u1ea3i x\u1eed l\u00fd h\u1ed3 s\u01a1 \u1ee9ng vi\u00ean l\u1edbn.\u201d&nbsp;<\/p>\n\n\n\n<p>M\u1ed7i th\u00e1ng, \u0111\u1ed9i ng\u0169 tuy\u1ec3n d\u1ee5ng c\u1ee7a VietCredit ti\u1ebfp nh\u1eadn l\u00ean \u0111\u1ebfn 4.000 h\u1ed3 s\u01a1 t\u1eeb nhi\u1ec1u k\u00eanh kh\u00e1c nhau, \u0111\u00f2i h\u1ecfi ph\u1ea3i x\u00e2y d\u1ef1ng m\u1ed9t quy tr\u00ecnh x\u1eed l\u00fd khoa h\u1ecdc v\u00e0 c\u00f3 t\u1ed5 ch\u1ee9c. H\u01a1n n\u1eefa, tr\u01b0\u1edbc khi \u00e1p d\u1ee5ng Base E-Hiring, vi\u1ec7c qu\u1ea3n l\u00fd d\u1eef li\u1ec7u \u1ee9ng vi\u00ean ch\u1ec9 d\u1ef1a tr\u00ean Excel \u0111\u00e3 t\u1ea1o ra kh\u1ed1i l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c h\u00e0nh ch\u00ednh r\u1ea5t l\u1edbn v\u00e0 r\u1ea5t kh\u00f3 ki\u1ec3m so\u00e1t.<\/p>\n\n\n\n<p>V\u00e0 l\u00e0 l\u1eddi gi\u1ea3i ho\u00e0n h\u1ea3o ch\u00ednh l\u00e0 Base E-Hiring!<\/p>\n\n\n\n<p><strong>Base E-Hiring <\/strong>\u0111\u00e3 h\u1ed7 tr\u1ee3 c\u00f4ng ty x\u1eed l\u00fd th\u00e0nh c\u00f4ng ba v\u1ea5n \u0111\u1ec1 ch\u00ednh: Qu\u1ea3n l\u00fd ngu\u1ed3n \u1ee9ng vi\u00ean hi\u1ec7u qu\u1ea3, x\u00e2y d\u1ef1ng th\u01b0\u01a1ng hi\u1ec7u tuy\u1ec3n d\u1ee5ng chuy\u00ean nghi\u1ec7p, v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh tuy\u1ec3n d\u1ee5ng.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cung c\u1ea5p n\u1ec1n t\u1ea3ng duy nh\u1ea5t cho m\u1ecdi c\u00f4ng t\u00e1c tuy\u1ec3n d\u1ee5ng: <\/strong>Base E-Hiring t\u1ef1 \u0111\u1ed9ng h\u00f3a ho\u00e0n to\u00e0n vi\u1ec7c thu th\u1eadp h\u1ed3 s\u01a1 \u1ee9ng vi\u00ean t\u1eeb nhi\u1ec1u ngu\u1ed3n, gi\u1ea3m thi\u1ec3u \u0111\u00e1ng k\u1ec3 th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c cho \u0111\u1ed9i ng\u0169 tuy\u1ec3n d\u1ee5ng. Nh\u1edd Base E-Hiring, hai nh\u00e2n vi\u00ean h\u00e0nh ch\u00ednh c\u00f3 th\u1ec3 x\u1eed l\u00fd t\u1ed1t kh\u1ed1i l\u01b0\u1ee3ng l\u1edbn h\u1ed3 s\u01a1 m\u00e0 kh\u00f4ng b\u1ecb qu\u00e1 t\u1ea3i.<\/li>\n\n\n\n<li><strong>H\u1ed7 tr\u1ee3 tuy\u1ec3n d\u1ee5ng b\u1ec1n v\u1eefng: <\/strong>VietCredit c\u0169ng t\u1eadn d\u1ee5ng Base E-Hiring cho chi\u1ebfn l\u01b0\u1ee3c tuy\u1ec3n d\u1ee5ng d\u00e0i h\u1ea1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1edbi ngu\u1ed3n \u1ee9ng vi\u00ean kh\u00f4ng \u0111\u1ea1t ti\u00eau ch\u00ed ngay t\u1eeb \u0111\u1ea7u. Theo chia s\u1ebb t\u1eeb Ch\u1ecb Minh, t\u1ef7 l\u1ec7 h\u1ed3 s\u01a1 lo\u1ea1i chi\u1ebfm \u0111\u1ebfn 95%, nh\u01b0ng c\u00f4ng ty mong mu\u1ed1n gi\u1eef l\u1ea1i c\u00e1c h\u1ed3 s\u01a1 n\u00e0y cho t\u01b0\u01a1ng lai. VietCredit s\u1eed d\u1ee5ng Talent Pools \u0111\u1ec3 th\u1ef1c hi\u1ec7n marketing v\u00e0 nh\u1eafn tin \u0111\u1ebfn \u1ee9ng vi\u00ean trong kho d\u1eef li\u1ec7u. C\u00f3 h\u01a1n 16.000 \u1ee9ng vi\u00ean \u0111\u00e3 t\u01b0\u01a1ng t\u00e1c qua h\u1ec7 th\u1ed1ng, v\u1edbi h\u01a1n 350 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c tuy\u1ec3n ch\u00ednh th\u1ee9c.<\/li>\n\n\n\n<li><strong>Cung c\u1ea5p g\u00f3c nh\u00ecn to\u00e0n di\u1ec7n cho HR Manager:<\/strong> Tr\u01b0\u1edbc \u0111\u00e2y, vi\u1ec7c qu\u1ea3n l\u00fd offline qua Excel g\u00e2y kh\u00f3 kh\u0103n cho gi\u00e1m s\u00e1t t\u1eeb xa. Gi\u1edd \u0111\u00e2y, th\u00f4ng qua Base E-Hiring, Ch\u1ecb Minh c\u00f3 th\u1ec3 theo d\u00f5i ngu\u1ed3n \u1ee9ng vi\u00ean theo th\u1eddi gian th\u1ef1c, \u0111i\u1ec1u n\u00e0y r\u1ea5t c\u00f3 \u00edch cho vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a c\u00e1c k\u00eanh tuy\u1ec3n d\u1ee5ng, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u00f3 th\u1ec3 t\u1eadp trung th\u00eam ngu\u1ed3n l\u1ef1c cho k\u00eanh Facebook khi th\u1ea5y hi\u1ec7u qu\u1ea3 t\u1ea1i TP.HCM \u0111\u1ea1t 50%.<\/li>\n\n\n\n<li><strong>N\u00e2ng t\u1ea7m th\u01b0\u01a1ng hi\u1ec7u nh\u00e0 tuy\u1ec3n d\u1ee5ng: <\/strong>Base E-Hiring gi\u00fap gi\u1ea3m th\u1eddi gian x\u1eed l\u00fd h\u00e0nh ch\u00ednh, t\u0103ng c\u01b0\u1eddng s\u1ef1 chuy\u00ean nghi\u1ec7p v\u00e0 \u0111\u00e1ng tin c\u1eady trong m\u1eaft \u1ee9ng vi\u00ean. Tr\u01b0\u1edbc \u0111\u00f3, ph\u00f2ng nh\u00e2n s\u1ef1 ch\u1ec9 c\u00f3 th\u1ec3 ph\u1ea3n h\u1ed3i \u1ee9ng vi\u00ean kh\u00f4ng \u0111\u1ea1t sau c\u1ea3 th\u00e1ng, nh\u01b0ng nh\u1edd c\u00f3 t\u00ednh n\u0103ng mail t\u1ef1 \u0111\u1ed9ng tr\u00ean Base E-Hiring, HR c\u00f3 th\u1ec3 nhanh ch\u00f3ng g\u1eedi k\u1ebft qu\u1ea3 \u0111\u1ebfn \u1ee9ng vi\u00ean ch\u1ec9 trong 24 gi\u1edd sau ph\u1ecfng v\u1ea5n. \u0110\u1eb7c bi\u1ec7t, v\u1edbi t\u1ef7 l\u1ec7 \u1ee9ng vi\u00ean t\u1eeb Facebook cao, \u0111\u1ed9i ng\u0169 d\u00e0nh ri\u00eang m\u1ed9t ng\u01b0\u1eddi ch\u0103m s\u00f3c \u1ee9ng vi\u00ean tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i v\u1edbi m\u1ee5c ti\u00eau ph\u1ea3n h\u1ed3i trong v\u00f2ng m\u1ed9t gi\u1edd.<\/li>\n<\/ul>\n\n\n\n<p>K\u1ebft qu\u1ea3, VietCredit kh\u00f4ng ch\u1ec9 th\u00e0nh c\u00f4ng trong vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed9t quy tr\u00ecnh tuy\u1ec3n d\u1ee5ng t\u1ed1i \u01b0u, m\u00e0 c\u00f2n t\u1ea1o d\u1ef1ng \u0111\u01b0\u1ee3c h\u00ecnh \u1ea3nh m\u1ed9t nh\u00e0 tuy\u1ec3n d\u1ee5ng chuy\u00ean nghi\u1ec7p v\u00e0 uy t\u00edn, g\u00f3p ph\u1ea7n n\u00e2ng cao v\u1ecb th\u1ebf tr\u00ean th\u1ecb tr\u01b0\u1eddng lao \u0111\u1ed9ng t\u00e0i ch\u00ednh \u0111\u1ea7y c\u1ea1nh tranh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-8-k\u1ebft-lu\u1eadn\"><strong>8. K\u1ebft lu\u1eadn<\/strong><\/h2>\n\n\n\n<p>Nh\u01b0 v\u1eady, th\u00f4ng qua n\u1ed9i dung tr\u00ean, Base Blog hy v\u1ecdng \u0111\u00e3 gi\u00fap \u0111\u1ed9c gi\u1ea3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 k\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng v\u1edbi r\u1ea5t nhi\u1ec1u ti\u1ec1m n\u0103ng khai ph\u00e1 l\u1eabn th\u1eed th\u00e1ch ph\u00eda tr\u01b0\u1edbc. Ngo\u00e0i ra, h\u00e3y li\u00ean h\u1ec7 v\u1edbi Base.vn ngay h\u00f4m nay \u0111\u1ec3 nh\u1eadn t\u01b0 v\u1ea5n v\u1ec1 gi\u1ea3i ph\u00e1p chuy\u1ec3n \u0111\u1ed5i s\u1ed1 t\u1ed1i \u01b0u d\u00e0nh cho c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 \u0111\u00e3 v\u00e0 \u0111ang thay \u0111\u1ed5i c\u00e1ch m\u00e0 kh\u00e1ch h\u00e0ng t\u01b0\u01a1ng t\u00e1c v\u00e0 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. V\u00ec v\u1eady, chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f2n l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn, m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c, m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c kinh doanh \u201cs\u1ed1ng c\u00f2n\u201d \u0111\u1ed1i v\u1edbi c\u00e1c [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":13488,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"ppma_author":[55],"class_list":["post-13482","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chuyen-doi-so"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.4 (Yoast SEO v24.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng: Xu h\u01b0\u1edbng trong th\u1eddi \u0111\u1ea1i s\u1ed1 ho\u00e1<\/title>\n<meta name=\"description\" content=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh Ng\u00e2n h\u00e0ng bao g\u1ed3m nh\u1eefng m\u1ee5c ti\u00eau v\u00e0 gi\u1ea3i ph\u00e1p n\u00e0o? Th\u1ef1c tr\u1ea1ng v\u00e0 th\u00e1ch th\u1ee9c ra sao? C\u00f9ng t\u00ecm hi\u1ec3u!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/base.vn\/blog\/chuyen-doi-so-nganh-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh ng\u00e2n h\u00e0ng: Xu h\u01b0\u1edbng trong th\u1eddi \u0111\u1ea1i s\u1ed1 ho\u00e1\" \/>\n<meta property=\"og:description\" content=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 ng\u00e0nh Ng\u00e2n h\u00e0ng bao g\u1ed3m nh\u1eefng m\u1ee5c ti\u00eau v\u00e0 gi\u1ea3i ph\u00e1p n\u00e0o? Th\u1ef1c tr\u1ea1ng v\u00e0 th\u00e1ch th\u1ee9c ra sao? 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