{"id":13268,"date":"2025-01-21T07:59:05","date_gmt":"2025-01-21T00:59:05","guid":{"rendered":"https:\/\/cntt.ntt.edu.vn\/news-event\/chuyen-doi-so-trong-linh-vuc-tai-chinh\/"},"modified":"2025-01-21T07:59:43","modified_gmt":"2025-01-21T00:59:43","slug":"chuyen-doi-so-trong-linh-vuc-tai-chinh","status":"publish","type":"post","link":"https:\/\/cntt.ntt.edu.vn\/en\/tin-tuc\/chuyen-doi-so-trong-linh-vuc-tai-chinh\/","title":{"rendered":"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh"},"content":{"rendered":"

Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong t\u00e0i ch\u00ednh (digital transformation in finance) \u00e1m ch\u1ec9 qu\u00e1 tr\u00ecnh m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, bao g\u1ed3m c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u01a1 quan t\u00e0i ch\u00ednh kh\u00e1c, chuy\u1ec3n \u0111\u1ed5i ho\u1ea1t \u0111\u1ed9ng v\u00e0 quy tr\u00ecnh c\u1ee7a h\u1ecd t\u1eeb h\u1ec7 th\u1ed1ng truy\u1ec1n th\u1ed1ng sang m\u00f4i tr\u01b0\u1eddng s\u1ed1 h\u00f3a.<\/strong><\/b><\/p>\n

Ng\u00e0y \u0111\u0103ng: 15\/05\/2024<\/p>\n

T\u1ed5ng quan:\u00a0<\/strong><\/b><\/p>\n

Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong t\u00e0i ch\u00ednh (digital transformation in finance) \u00e1m ch\u1ec9 qu\u00e1 tr\u00ecnh m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, bao g\u1ed3m c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u01a1 quan t\u00e0i ch\u00ednh kh\u00e1c, chuy\u1ec3n \u0111\u1ed5i ho\u1ea1t \u0111\u1ed9ng v\u00e0 quy tr\u00ecnh c\u1ee7a h\u1ecd t\u1eeb h\u1ec7 th\u1ed1ng truy\u1ec1n th\u1ed1ng sang m\u00f4i tr\u01b0\u1eddng s\u1ed1 h\u00f3a. M\u1ee5c ti\u00eau ch\u00ednh c\u1ee7a chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong t\u00e0i ch\u00ednh l\u00e0 t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 s\u1ed1 h\u00f3a \u0111\u1ec3 c\u1ea3i thi\u1ec7n hi\u1ec7u su\u1ea5t, t\u0103ng c\u01b0\u1eddng tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 t\u1ea1o ra c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh m\u1edbi v\u00e0 c\u1ea3i ti\u1ebfn.<\/p>\n

    \n
  1. H\u1ec7 th\u1ed1ng thanh to\u00e1n v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn<\/strong><\/b><\/li>\n<\/ol>\n

    H\u1ec7 th\u1ed1ng thanh to\u00e1n v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng trong \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh. \u0110\u00e2y l\u00e0 m\u1ed9t c\u01a1 ch\u1ebf cho ph\u00e9p c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua m\u1ea1ng internet, gi\u00fap ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 thanh to\u00e1n, chuy\u1ec3n ti\u1ec1n, mua b\u00e1n h\u00e0ng h\u00f3a v\u00e0 d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn m\u1ed9t c\u00e1ch thu\u1eadn ti\u1ec7n v\u00e0 an to\u00e0n. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 th\u00f4ng tin chi ti\u1ebft h\u01a1n v\u1ec1 h\u1ec7 th\u1ed1ng thanh to\u00e1n v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn:<\/p>\n

    \"\"<\/p>\n

    H\u00ecnh 1: H\u1ec7 th\u1ed1ng k\u1ebft n\u1ed1i d\u1eef li\u1ec7u v\u00e0 thanh to\u00e1n giao d\u1ecbch tr\u1ee5c tuy\u1ebfn<\/p>\n

    Ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ef1c tuy\u1ebfn:\u00a0C\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ef1c tuy\u1ebfn cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh qua internet m\u00e0 kh\u00f4ng c\u1ea7n s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t ho\u1eb7c th\u1ebb t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng. C\u00e1c ph\u01b0\u01a1ng th\u1ee9c ph\u1ed5 bi\u1ebfn bao g\u1ed3m:<\/p>\n

    Chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng:\u00a0Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 chuy\u1ec3n ti\u1ec1n gi\u1eefa c\u00e1c t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng th\u00f4ng qua internet banking ho\u1eb7c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n

    Thanh to\u00e1n qua c\u1ed5ng thanh to\u00e1n:\u00a0\u0110\u00e2y l\u00e0 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n ph\u1ed5 bi\u1ebfn cho c\u00e1c giao d\u1ecbch mua h\u00e0ng tr\u1ef1c tuy\u1ebfn, n\u01a1i ng\u01b0\u1eddi d\u00f9ng s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng, th\u1ebb ghi n\u1ee3 ho\u1eb7c v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u1ec3 thanh to\u00e1n tr\u1ef1c tuy\u1ebfn.<\/p>\n

    Ti\u1ec1n \u0111i\u1ec7n t\u1eed:\u00a0Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 Bitcoin, Ethereum v\u00e0 c\u00e1c lo\u1ea1i ti\u1ec1n \u0111i\u1ec7n t\u1eed kh\u00e1c \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch tr\u1ef1c tuy\u1ebfn.<\/p>\n

    T\u00edch h\u1ee3p b\u1ea3o m\u1eadt:\u00a0C\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn ph\u1ea3i \u0111\u1ea3m b\u1ea3o t\u00edch h\u1ee3p c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o m\u1eadt cao \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin v\u00e0 t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng kh\u1ecfi r\u1ee7i ro gian l\u1eadn v\u00e0 truy c\u1eadp tr\u00e1i ph\u00e9p.<\/p>\n

    D\u1ecbch v\u1ee5 c\u1ed5ng thanh to\u00e1n:\u00a0C\u00f3 nhi\u1ec1u d\u1ecbch v\u1ee5 c\u1ed5ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn, cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p thanh to\u00e1n cho c\u00e1c website th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 doanh nghi\u1ec7p. Nh\u1eefng d\u1ecbch v\u1ee5 n\u00e0y gi\u00fap k\u1ebft n\u1ed1i c\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng v\u1edbi h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh c\u1ee7a c\u00e1c doanh nghi\u1ec7p.<\/p>\n

    Giao d\u1ecbch qu\u1ed1c t\u1ebf:\u00a0H\u1ec7 th\u1ed1ng thanh to\u00e1n v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch qu\u1ed1c t\u1ebf m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng v\u00e0 nhanh ch\u00f3ng, gi\u1ea3m b\u1edbt c\u00e1c r\u00e0o c\u1ea3n v\u1ec1 th\u1eddi gian v\u00e0 \u0111\u1ecba l\u00fd trong giao d\u1ecbch t\u00e0i ch\u00ednh.<\/p>\n

    Ti\u1ec7n \u00edch v\u00e0 ti\u1ebft ki\u1ec7m th\u1eddi gian:\u00a0Thanh to\u00e1n v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn gi\u00fap ti\u1ebft ki\u1ec7m th\u1eddi gian cho ng\u01b0\u1eddi d\u00f9ng, kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u1ebfn \u0111\u1ecba \u0111i\u1ec3m v\u1eadt l\u00fd \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch, m\u00e0 ch\u1ec9 c\u1ea7n m\u1ed9t thi\u1ebft b\u1ecb k\u1ebft n\u1ed1i internet.<\/p>\n

    Giao d\u1ecbch th\u00f4ng minh:\u00a0C\u00f4ng ngh\u1ec7 th\u00f4ng tin \u0111\u00e3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho giao d\u1ecbch th\u00f4ng minh v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a, gi\u00fap t\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh v\u00e0 gi\u1ea3m thi\u1ec3u sai s\u00f3t trong giao d\u1ecbch t\u00e0i ch\u00ednh.<\/p>\n

    H\u1ec7 th\u1ed1ng thanh to\u00e1n v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong c\u00e1ch m\u00e0 ch\u00fang ta ti\u1ebfp c\u1eadn v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh, gi\u00fap mang l\u1ea1i t\u00ednh ti\u1ec7n l\u1ee3i, an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3 trong qu\u00e1 tr\u00ecnh thanh to\u00e1n v\u00e0 giao d\u1ecbch.<\/p>\n

      \n
    1. C\u00f4ng ngh\u1ec7 Blockchain<\/strong><\/b><\/li>\n<\/ol>\n

      C\u00f4ng ngh\u1ec7 Blockchain l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng m\u00e3 h\u00f3a d\u1eef li\u1ec7u ph\u00e2n t\u00e1n v\u00e0 c\u00f4ng c\u1ed9ng, \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c ghi nh\u1eadn v\u00e0 x\u00e1c minh c\u00e1c giao d\u1ecbch. N\u00f3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 t\u1ea1o ra c\u00e1c b\u1ea3n ghi (kh\u1ed1i) c\u1ee7a th\u00f4ng tin, v\u00e0 sau \u0111\u00f3 k\u1ebft h\u1ee3p c\u00e1c kh\u1ed1i th\u00e0nh m\u1ed9t chu\u1ed7i kh\u00f4ng th\u1ec3 thay \u0111\u1ed5i hay x\u00f3a b\u1ecf (blockchain), t\u1ea1o th\u00e0nh m\u1ed9t c\u01a1 s\u1edf d\u1eef li\u1ec7u ph\u00e2n t\u00e1n chia s\u1ebb gi\u1eefa nhi\u1ec1u b\u00ean tham gia.<\/p>\n

      \"\"<\/p>\n

      H\u00ecnh 2: H\u1ec7 th\u1ed1ng m\u00e3 h\u00f3a d\u1eef li\u1ec7u ph\u00e2n t\u00e1n v\u00e0 c\u00f4ng c\u1ed9ng<\/p>\n

      C\u00e1c \u0111\u1eb7c \u0111i\u1ec3m quan tr\u1ecdng c\u1ee7a c\u00f4ng ngh\u1ec7 Blockchain bao g\u1ed3m:<\/p>\n

      Ph\u00e2n t\u00e1n:\u00a0Thay v\u00ec l\u01b0u tr\u1eef d\u1eef li\u1ec7u tr\u00ean m\u1ed9t m\u00e1y ch\u1ee7 duy nh\u1ea5t, blockchain l\u01b0u tr\u1eef d\u1eef li\u1ec7u tr\u00ean nhi\u1ec1u n\u00fat m\u1ea1ng kh\u00e1c nhau tr\u00ean to\u00e0n c\u1ea7u. \u0110i\u1ec1u n\u00e0y t\u1ea1o ra t\u00ednh ph\u00e2n t\u00e1n v\u00e0 b\u1ea5t kh\u1ea3 x\u00e2m ph\u1ea1m, kh\u00f4ng cho ph\u00e9p m\u1ed9t b\u00ean duy nh\u1ea5t ki\u1ec3m so\u00e1t ho\u1eb7c thay \u0111\u1ed5i d\u1eef li\u1ec7u.<\/p>\n

      An to\u00e0n v\u00e0 b\u1ea3o m\u1eadt:\u00a0Blockchain s\u1eed d\u1ee5ng m\u00e3 h\u00f3a m\u1ea1nh m\u1ebd \u0111\u1ec3 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u v\u00e0 giao d\u1ecbch kh\u1ecfi c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng v\u00e0 gian l\u1eadn. D\u1eef li\u1ec7u trong m\u1ed7i kh\u1ed1i \u0111\u01b0\u1ee3c li\u00ean k\u1ebft v\u1edbi kh\u1ed1i tr\u01b0\u1edbc \u0111\u00f3 th\u00f4ng qua m\u00e3 h\u00f3a, l\u00e0m cho vi\u1ec7c thay \u0111\u1ed5i d\u1eef li\u1ec7u tr\u1edf n\u00ean v\u00f4 c\u00f9ng kh\u00f3 kh\u0103n v\u00e0 d\u1ec5 b\u1ecb ph\u00e1t hi\u1ec7n.<\/p>\n

      C\u00f4ng khai v\u00e0 ri\u00eang t\u01b0:\u00a0M\u1eb7c d\u00f9 blockchain l\u00e0 c\u00f4ng c\u1ed9ng v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c truy c\u1eadp b\u1edfi b\u1ea5t k\u1ef3 ai, nh\u01b0ng d\u1eef li\u1ec7u b\u00ean trong m\u1ed7i giao d\u1ecbch v\u1eabn \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 b\u1edfi m\u00e3 h\u00f3a m\u1ea1nh m\u1ebd, gi\u1eef cho th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0 chi ti\u1ebft nh\u1ea1y c\u1ea3m c\u1ee7a ng\u01b0\u1eddi d\u00f9ng an to\u00e0n.<\/p>\n

      X\u00e1c minh giao d\u1ecbch:\u00a0M\u1ed7i giao d\u1ecbch tr\u00ean blockchain ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c minh b\u1edfi m\u1ed9t m\u1ea1ng l\u01b0\u1edbi c\u00e1c n\u00fat (th\u00e0nh vi\u00ean) trong h\u1ec7 th\u1ed1ng. Sau khi \u0111\u01b0\u1ee3c x\u00e1c minh, giao d\u1ecbch s\u1ebd \u0111\u01b0\u1ee3c ghi l\u1ea1i v\u00e0o kh\u1ed1i m\u1edbi nh\u1ea5t trong chu\u1ed7i.<\/p>\n

      B\u1ea5t bi\u1ebfn:\u00a0M\u1ed9t khi th\u00f4ng tin \u0111\u01b0\u1ee3c ghi v\u00e0o blockchain, n\u00f3 tr\u1edf th\u00e0nh b\u1ea5t bi\u1ebfn v\u00e0 kh\u00f4ng th\u1ec3 b\u1ecb thay \u0111\u1ed5i. \u0110i\u1ec1u n\u00e0y t\u1ea1o ra t\u00ednh trung th\u1ef1c v\u00e0 \u0111\u00e1ng tin c\u1eady, \u0111\u1eb7c bi\u1ec7t khi \u00e1p d\u1ee5ng trong c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, b\u1ea7u c\u1eed \u0111i\u1ec7n t\u1eed v\u00e0 qu\u1ea3n l\u00fd chu\u1ed7i cung \u1ee9ng.<\/p>\n

      \u1ee8ng d\u1ee5ng c\u1ee7a c\u00f4ng ngh\u1ec7 Blockchain r\u1ea5t \u0111a d\u1ea1ng, t\u1eeb ti\u1ec1n \u0111i\u1ec7n t\u1eed nh\u01b0 Bitcoin, Ethereum \u0111\u1ebfn c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c nh\u01b0 b\u1ea3o hi\u1ec3m, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, ch\u1ee9ng kho\u00e1n, qu\u1ea3n l\u00fd danh t\u00ednh v\u00e0 nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c. T\u00ednh \u0111\u1ed9t ph\u00e1 v\u00e0 ti\u1ec1m n\u0103ng c\u1ee7a c\u00f4ng ngh\u1ec7 Blockchain \u0111ang thu h\u00fat s\u1ef1 quan t\u00e2m v\u00e0 s\u1eed d\u1ee5ng r\u1ed9ng r\u00e3i trong nhi\u1ec1u ng\u00e0nh c\u00f4ng nghi\u1ec7p v\u00e0 l\u0129nh v\u1ef1c kinh t\u1ebf.<\/p>\n

        \n
      1. Ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI)<\/strong><\/b><\/li>\n<\/ol>\n

        Ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) \u0111\u00f3ng vai tr\u00f2 c\u1ef1c k\u1ef3 quan tr\u1ecdng v\u00e0 c\u00f3 \u1ea3nh h\u01b0\u1edfng l\u1edbn trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec3m ch\u00ednh v\u1ec1 vai tr\u00f2 c\u1ee7a ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o trong t\u00e0i ch\u00ednh:<\/p>\n

        \"\"<\/p>\n

        H\u00ecnh 3: Ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI)<\/p>\n

        D\u1ef1 \u0111o\u00e1n th\u1ecb tr\u01b0\u1eddng v\u00e0 bi\u1ebfn \u0111\u1ed9ng gi\u00e1:\u00a0C\u00e1c thu\u1eadt to\u00e1n ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 AI c\u00f3 th\u1ec3 ph\u00e2n t\u00edch l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u l\u1ecbch s\u1eed v\u00e0 d\u1ef1 \u0111o\u00e1n xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng v\u00e0 bi\u1ebfn \u0111\u1ed9ng gi\u00e1 c\u1ed5 phi\u1ebfu, ti\u1ec1n t\u1ec7, v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c. \u0110i\u1ec1u n\u00e0y h\u1ed7 tr\u1ee3 nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh trong vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 th\u00f4ng minh v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro.<\/p>\n

        Qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 t\u1ed1i \u01b0u h\u00f3a danh m\u1ee5c:\u00a0Ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o gi\u00fap x\u00e1c \u0111\u1ecbnh c\u00e1c t\u00e0i s\u1ea3n c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng cao v\u00e0 t\u1ed1i \u01b0u h\u00f3a danh m\u1ee5c \u0111\u1ea7u t\u01b0. C\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch d\u1eef li\u1ec7u gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u00e0 t\u0103ng c\u01b0\u1eddng hi\u1ec7u su\u1ea5t \u0111\u1ea7u t\u01b0.<\/p>\n

        D\u1ef1 \u0111o\u00e1n t\u00edn d\u1ee5ng v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro cho vay:\u00a0Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u01b0a ra \u0111\u00e1nh gi\u00e1 r\u1ee7i ro ch\u00ednh x\u00e1c h\u01a1n trong qu\u00e1 tr\u00ecnh cho vay.<\/p>\n

        Ph\u00e1t hi\u1ec7n gian l\u1eadn t\u00e0i ch\u00ednh:\u00a0Ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 ph\u00e1t hi\u1ec7n c\u00e1c giao d\u1ecbch gian l\u1eadn v\u00e0 l\u1eeba \u0111\u1ea3o t\u00e0i ch\u00ednh trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh.<\/p>\n

        D\u1ef1 \u0111o\u00e1n kh\u00e1ch h\u00e0ng v\u00e0 h\u00e0nh vi ti\u00eau d\u00f9ng:\u00a0C\u00e1c thu\u1eadt to\u00e1n ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u00f3 th\u1ec3 ph\u00e2n t\u00edch d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng v\u00e0 d\u1ef1 \u0111o\u00e1n h\u00e0nh vi ti\u00eau d\u00f9ng, gi\u00fap doanh nghi\u1ec7p t\u1ed1i \u01b0u h\u00f3a chi\u1ebfn l\u01b0\u1ee3c ti\u1ebfp th\u1ecb v\u00e0 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng.<\/p>\n

        T\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh t\u00e0i ch\u00ednh:\u00a0Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o gi\u00fap t\u1ed1i \u01b0u h\u00f3a c\u00e1c quy tr\u00ecnh t\u00e0i ch\u00ednh, t\u1eeb ph\u00e2n t\u00edch d\u1eef li\u1ec7u t\u00e0i ch\u00ednh, x\u00e1c \u0111\u1ecbnh xu h\u01b0\u1edbng chi ti\u00eau, \u0111\u1ebfn qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro t\u00e0i ch\u00ednh.<\/p>\n

        T\u01b0 v\u1ea5n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n:\u00a0C\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 AI c\u00f3 th\u1ec3 cung c\u1ea5p t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n d\u1ef1a tr\u00ean th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, gi\u00fap ng\u01b0\u1eddi d\u00f9ng l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ec1 xu\u1ea5t c\u00e1c k\u1ebf ho\u1ea1ch \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n.<\/p>\n

        T\u00f3m l\u1ea1i, ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c gi\u00fap t\u1ed1i \u01b0u h\u00f3a qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, d\u1ef1 \u0111o\u00e1n th\u1ecb tr\u01b0\u1eddng v\u00e0 r\u1ee7i ro, v\u00e0 cung c\u1ea5p t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh th\u00f4ng minh cho c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh.<\/p>\n

          \n
        1. \u1ee8ng d\u1ee5ng di \u0111\u1ed9ng trong qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/strong><\/b><\/li>\n<\/ol>\n

          C\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ef1 \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, mang l\u1ea1i nhi\u1ec1u ti\u1ec7n \u00edch v\u00e0 l\u1ee3i \u00edch cho ng\u01b0\u1eddi d\u00f9ng. M\u1ed9t s\u1ed1 \u0111i\u1ec3m n\u1ed5i b\u1eadt c\u1ee7a c\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng trong qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n:<\/p>\n

          \"\"<\/p>\n

          H\u00ecnh 4: \u1ee8ng d\u1ee5ng di \u0111\u1ed9ng trong qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n<\/p>\n

          Ti\u1ec7n l\u1ee3i v\u00e0 kh\u1ea3 d\u1ee5ng m\u1ecdi l\u00fac, m\u1ecdi n\u01a1i:\u00a0C\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u1ed9t c\u00e1ch ti\u1ec7n l\u1ee3i v\u00e0 linh ho\u1ea1t, t\u1eeb vi\u1ec7c theo d\u00f5i t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, qu\u1ea3n l\u00fd giao d\u1ecbch, cho \u0111\u1ebfn theo d\u00f5i chi ti\u00eau, d\u1ef1 \u0111o\u00e1n ng\u00e2n s\u00e1ch v\u00e0 \u0111\u1ea7u t\u01b0, t\u1ea5t c\u1ea3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng.<\/p>\n

          \u1ee8ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n:\u00a0C\u00f3 r\u1ea5t nhi\u1ec1u \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1eb7c bi\u1ec7t \u0111\u1ec3 h\u1ed7 tr\u1ee3 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. Nh\u1eefng \u1ee9ng d\u1ee5ng n\u00e0y cung c\u1ea5p t\u00ednh n\u0103ng theo d\u00f5i ti\u1ec1n m\u1eb7t, l\u00ean k\u1ebf ho\u1ea1ch ng\u00e2n s\u00e1ch, theo d\u00f5i v\u00e0 ph\u00e2n lo\u1ea1i chi ti\u00eau, c\u0169ng nh\u01b0 cung c\u1ea5p b\u00e1o c\u00e1o v\u00e0 ph\u00e2n t\u00edch t\u00e0i ch\u00ednh \u0111\u1ec3 ng\u01b0\u1eddi d\u00f9ng c\u00f3 c\u00e1i nh\u00ecn t\u1ed5ng quan v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n

          Thanh to\u00e1n v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn:\u00a0C\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng \u0111\u00e3 \u0111\u01b0a \u0111\u1ebfn nh\u1eefng ti\u1ebfn b\u1ed9 v\u01b0\u1ee3t b\u1eadc trong vi\u1ec7c thanh to\u00e1n v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn. Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch ng\u00e2n h\u00e0ng, chuy\u1ec3n kho\u1ea3n, thanh to\u00e1n h\u00f3a \u0111\u01a1n, mua s\u1eafm tr\u1ef1c tuy\u1ebfn, v\u00e0 g\u1eedi\/nh\u1eadn ti\u1ec1n m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 d\u1ec5 d\u00e0ng th\u00f4ng qua \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng.<\/p>\n

          B\u1ea3o m\u1eadt v\u00e0 x\u00e1c th\u1ef1c:\u00a0C\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng c\u0169ng \u0111\u01b0a \u0111\u1ebfn c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o m\u1eadt ti\u00ean ti\u1ebfn nh\u01b0 nh\u1eadn di\u1ec7n v\u00e2n tay, nh\u1eadn di\u1ec7n khu\u00f4n m\u1eb7t v\u00e0 m\u00e3 PIN \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng, \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u00e0 ri\u00eang t\u01b0.<\/p>\n

          Cung c\u1ea5p th\u00f4ng tin v\u00e0 g\u1ee3i \u00fd t\u00e0i ch\u00ednh:\u00a0C\u00e1c \u1ee9ng d\u1ee5ng v\u00e0 d\u1ecbch v\u1ee5 di \u0111\u1ed9ng cung c\u1ea5p th\u00f4ng tin v\u00e0 g\u1ee3i \u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, nh\u01b0 l\u00e3i su\u1ea5t vay m\u01b0\u1ee3n, l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0, ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i, v.v., gi\u00fap ng\u01b0\u1eddi d\u00f9ng \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh th\u00f4ng minh v\u1ec1 t\u00e0i ch\u00ednh.<\/p>\n

          Ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 t\u0103ng hi\u1ec7u su\u1ea5t:\u00a0C\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng gi\u00fap ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 n\u0103ng l\u1ef1c trong qu\u00e1 tr\u00ecnh qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. Vi\u1ec7c c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch v\u00e0 ki\u1ec3m tra t\u00e0i ch\u00ednh b\u1ea5t k\u1ef3 l\u00fac n\u00e0o v\u00e0 \u1edf b\u1ea5t k\u1ef3 \u0111\u00e2u gi\u00fap t\u0103ng hi\u1ec7u su\u1ea5t v\u00e0 ti\u1ec7n l\u1ee3i cho ng\u01b0\u1eddi d\u00f9ng.<\/p>\n

          T\u00f3m l\u1ea1i, c\u00f4ng ngh\u1ec7 di \u0111\u1ed9ng \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, mang l\u1ea1i s\u1ef1 ti\u1ec7n \u00edch, an to\u00e0n v\u00e0 hi\u1ec7u qu\u1ea3 trong vi\u1ec7c theo d\u00f5i, l\u00ean k\u1ebf ho\u1ea1ch v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh h\u00e0ng ng\u00e0y.<\/p>\n

          K\u1ebft Lu\u1eadn:<\/p>\n

          \u1ee8ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh \u0111\u00e3 \u0111em l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch \u0111\u00e1ng k\u1ec3, t\u1eeb vi\u1ec7c c\u1ea3i thi\u1ec7n quy tr\u00ecnh giao d\u1ecbch v\u00e0 thanh to\u00e1n tr\u1ef1c tuy\u1ebfn, \u0111\u1ebfn vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ea7u t\u01b0. C\u00f4ng ngh\u1ec7 Blockchain c\u0169ng \u0111\u00e3 thay \u0111\u1ed5i c\u00e1ch ch\u00fang ta xem x\u00e9t vi\u1ec7c ghi nh\u1eadn v\u00e0 x\u00e1c minh giao d\u1ecbch. T\u1ed5ng h\u1ee3p l\u1ea1i, c\u00f4ng ngh\u1ec7 th\u00f4ng tin \u0111\u00e3 g\u00f3p ph\u1ea7n n\u00e2ng cao hi\u1ec7u qu\u1ea3 v\u00e0 t\u00ednh an to\u00e0n trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh v\u00e0 m\u1edf ra ti\u1ec1m n\u0103ng m\u1edbi cho s\u1ef1 ph\u00e1t tri\u1ec3n trong l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n

          BM-TTNT<\/p>\n","protected":false},"excerpt":{"rendered":"

          Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong t\u00e0i ch\u00ednh (digital transformation in finance) \u00e1m ch\u1ec9 qu\u00e1 tr\u00ecnh m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, bao g\u1ed3m c\u00e1c ng\u00e2n h\u00e0ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u01a1 quan t\u00e0i ch\u00ednh kh\u00e1c, chuy\u1ec3n \u0111\u1ed5i ho\u1ea1t \u0111\u1ed9ng v\u00e0 quy tr\u00ecnh c\u1ee7a h\u1ecd t\u1eeb h\u1ec7 th\u1ed1ng truy\u1ec1n th\u1ed1ng sang m\u00f4i tr\u01b0\u1eddng s\u1ed1 h\u00f3a….<\/p>\n","protected":false},"author":23,"featured_media":13262,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[64,195],"tags":[],"class_list":["post-13268","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-tin-tuc-su-kien-en"],"_links":{"self":[{"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/posts\/13268","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/comments?post=13268"}],"version-history":[{"count":1,"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/posts\/13268\/revisions"}],"predecessor-version":[{"id":13269,"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/posts\/13268\/revisions\/13269"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/media\/13262"}],"wp:attachment":[{"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/media?parent=13268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/categories?post=13268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cntt.ntt.edu.vn\/en\/wp-json\/wp\/v2\/tags?post=13268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}