{"id":27207,"date":"2023-11-16T11:35:02","date_gmt":"2023-11-16T04:35:02","guid":{"rendered":"https:\/\/saigonbiz.com.vn\/?p=27207"},"modified":"2023-11-16T11:37:53","modified_gmt":"2023-11-16T04:37:53","slug":"chuyen-doi-ngan-hang-nham-thich-ung-tuong-lai-so-hoa-thong-qua-mo-hinh-cung-ton-tai","status":"publish","type":"post","link":"https:\/\/saigonbiz.com\/vn\/chuyen-doi-ngan-hang-nham-thich-ung-tuong-lai-so-hoa-thong-qua-mo-hinh-cung-ton-tai\/","title":{"rendered":"Chuy\u1ec3n \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eb1m th\u00edch \u1ee9ng t\u01b0\u01a1ng lai s\u1ed1 h\u00f3a th\u00f4ng qua m\u00f4 h\u00ecnh \u201cc\u00f9ng t\u1ed3n t\u1ea1i\u201d"},"content":{"rendered":"\n

Publicis Sapient nh\u1ea5n m\u1ea1nh nh\u1eefng l\u1ee3i th\u1ebf chi\u1ebfn l\u01b0\u1ee3c trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh c\u00f9ng t\u1ed3n t\u1ea1i (core coexistence model) \u0111\u1ec3 tri\u1ec3n khai c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng s\u1eb5n s\u00e0ng cho t\u01b0\u01a1ng lai c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u1edf Vi\u1ec7t Nam.<\/strong><\/p>\n\n\n\n

Th\u1eddi gian v\u1eeba qua, c\u00f4ng cu\u1ed9c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 nhi\u1ec1u d\u1ea5u hi\u1ec7u t\u00edch c\u1ef1c. Nhi\u1ec1u ng\u00e2n h\u00e0ng \u0111\u00e3 \u0111\u1ea1t h\u01a1n 70% k\u1ebf ho\u1ea1ch m\u1ee5c ti\u00eau \u0111\u00e3 \u0111\u1eb7t ra cho n\u0103m 2025 khi ghi nh\u1eadn h\u01a1n 90% giao d\u1ecbch hi\u1ec7n t\u1ea1i \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean n\u1ec1n t\u1ea3ng s\u1ed1. Theo d\u1ef1 \u0111o\u00e1n, t\u1edbi n\u0103m 2024, m\u1ed9t n\u1eeda d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng Vi\u1ec7t s\u1ebd \u0111\u01b0\u1ee3c s\u1ed1 h\u00f3a.<\/p>\n\n\n\n

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Vi\u1ec7t Nam l\u00e0 m\u1ed9t n\u01b0\u1edbc v\u1edbi d\u00e2n s\u1ed1 tr\u1ebb, d\u1ec5 ti\u1ebfp thu c\u00e1c ki\u1ebfn th\u1ee9c v\u1ec1 c\u00e1c n\u1ec1n t\u1ea3ng s\u1ed1 c\u0169ng nh\u01b0 c\u00f3 nhu c\u1ea7u cao v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 s\u1ed1 li\u00ean quan t\u1edbi giao d\u1ecbch, thanh to\u00e1n v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed. \u0110\u00f3 c\u0169ng l\u00e0 l\u00fd do th\u1ecb tr\u01b0\u1eddng fin-tech t\u1ea1i Vi\u1ec7t Nam \u0111\u01b0\u1ee3c d\u1ef1 b\u00e1o s\u1ebd t\u0103ng tr\u01b0\u1edfng t\u1edbi 18 t\u1ef7 USD ch\u1ec9 trong n\u0103m 2024[1]<\/sup><\/a>.<\/p>\n\n\n\n

C\u00e1c ng\u00e2n h\u00e0ng \u1edf Vi\u1ec7t Nam \u0111ang trong giai \u0111o\u1ea1n chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 n\u00e2ng c\u1ea5p nh\u1eefng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng truy\u1ec1n th\u1ed1ng v\u1ed1n \u0111ang h\u1ea1n ch\u1ebf nh\u1eefng b\u01b0\u1edbc ph\u00e1t tri\u1ec3n c\u1ee7a h\u1ecd v\u00e0 ng\u0103n c\u1ea3n c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y mang \u0111\u1ebfn nh\u1eefng s\u1ea3n ph\u1ea9m v\u00e0 tr\u1ea3i nghi\u1ec7m c\u00e1 nh\u00e2n h\u00f3a theo th\u1eddi gian th\u1ef1c m\u00e0 kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i.<\/p>\n\n\n\n

Tyler Munoz, Senior Partner c\u1ee7a Publicis Sapient, ph\u1ee5 tr\u00e1ch khu v\u1ef1c \u0110\u00f4ng Nam \u00c1 cho bi\u1ebft: \u201cN\u1eafm b\u1eaft c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn r\u00f5 r\u00e0ng l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng mu\u1ed1n v\u01b0\u1ee3t l\u00ean trong th\u1eddi \u0111\u1ea1i s\u1ed1 h\u00f3a. Vi\u1ec7c \u00e1p d\u1ee5ng h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00f5i hi\u1ec7n \u0111\u1ea1i v\u00e0 c\u1ea3i t\u1ed5 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng to\u00e0n di\u1ec7n \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 chi\u1ebfn l\u01b0\u1ee3c c\u1ed9ng sinh r\u00f5 r\u00e0ng gi\u1eefa h\u1ec7 th\u1ed1ng hi\u1ec7n h\u1eefu v\u00e0 nh\u1eefng c\u00f4ng ngh\u1ec7 m\u1edbi, \u0111\u00e2y \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh l\u00e0 ph\u01b0\u01a1ng ph\u00e1p hi\u1ec7u qu\u1ea3 \u0111\u1ec3 h\u01b0\u1edbng \u0111\u1ebfn th\u00e0nh c\u00f4ng. H\u01a1n th\u1ebf n\u1eefa, khi c\u00e1c ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng m\u1edf r\u1ed9ng th\u00ec vi\u1ec7c l\u00ean chi\u1ebfn l\u01b0\u1ee3c chi ti\u1ebft \u0111\u1ec3 c\u00f9ng t\u1ed3n t\u1ea1i c\u00e0ng tr\u1edf n\u00ean quan tr\u1ecdng h\u01a1n.\u201d<\/em><\/p>\n\n\n\n

M\u1ed7i ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 h\u1ec7 th\u1ed1ng d\u1eef li\u1ec7u ph\u1ee9c t\u1ea1p v\u00e0 chuy\u00ean bi\u1ec7t c\u1ee7a ri\u00eang m\u00ecnh. Do \u0111\u00f3, s\u1ebd kh\u00f4ng c\u00f3 c\u00f4ng th\u1ee9c chung n\u00e0o c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 khi \u1ee9ng d\u1ee5ng m\u00f4 h\u00ecnh c\u00f9ng t\u1ed3n t\u1ea1i. Tuy nhi\u00ean v\u1eabn c\u00f3 m\u1ed9t v\u00e0i kinh nghi\u1ec7m chung m\u00e0 \u0111\u1ed9i ng\u0169 IT v\u00e0 nh\u00f3m v\u1eadn h\u00e0nh truy\u1ec1n th\u1ed1ng c\u00f3 th\u1ec3 l\u01b0u \u00fd \u0111\u1ec3 c\u00f3 th\u1ec3 tri\u1ec3n khai m\u00f4 h\u00ecnh c\u00f9ng t\u1ed3n t\u1ea1i hi\u1ec7u qu\u1ea3:<\/p>\n\n\n\n

\u0110\u00f3n nh\u1eadn vi\u1ec7c c\u00f9ng t\u1ed3n t\u1ea1i v\u00e0 x\u00e2y d\u1ef1ng \u0111\u1ed9i ng\u0169 ph\u00f9 h\u1ee3p <\/strong><\/p>\n\n\n\n

Nh\u1eadn di\u1ec7n m\u00f4 h\u00ecnh c\u00f9ng t\u1ed3n t\u1ea1i v\u00e0 t\u00edch c\u1ef1c l\u1eadp k\u1ebf ho\u1ea1ch cho m\u00f4 h\u00ecnh n\u00e0y trong c\u00e1c giai \u0111o\u1ea1n chuy\u1ec3n ti\u1ebfp. C\u00f3 m\u1ed9t \u0111\u1ed9i ng\u0169 chuy\u00ean gia n\u00f2ng c\u1ed1t \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o c\u00f4ng t\u00e1c l\u1eadp k\u1ebf ho\u1ea1ch v\u00e0 ra quy\u1ebft \u0111\u1ecbnh to\u00e0n di\u1ec7n. Nh\u00f3m chuy\u00ean gia n\u00e0y kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i l\u00e0 th\u00e0nh vi\u00ean c\u1ee7a nh\u00f3m kinh doanh hay k\u1ef9 thu\u1eadt, nh\u1eefng ng\u01b0\u1eddi ch\u1ecbu tr\u00e1ch nhi\u1ec7m x\u00e1c l\u1eadp m\u1ee5c ti\u00eau v\u1eadn h\u00e0nh v\u00e0 c\u1ea5u tr\u00fac trong ng\u00e2n h\u00e0ng. H\u1ecd s\u1ebd l\u00e0 nh\u1eefng ng\u01b0\u1eddi thi\u1ebft k\u1ebf ra l\u1ed9 tr\u00ecnh v\u00e0 t\u00ecm l\u1eddi gi\u1ea3i, kh\u1eafc ph\u1ee5c nh\u1eefng kh\u00f3 kh\u0103n \u0111\u1ec3 c\u00f3 th\u1ec3 gi\u00fap c\u00f4ng ty s\u1eb5n s\u00e0ng cho vi\u1ec7c c\u00f9ng t\u1ed3n t\u1ea1i c\u00f3 m\u1ee5c \u0111\u00edch trong th\u1eddi \u0111\u1ea1i k\u1ef9 thu\u1eadt s\u1ed1.<\/p>\n\n\n\n

\u0110\u1ed9i ng\u0169 n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c trao quy\u1ec1n v\u00e0 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 ph\u00f9 h\u1ee3p t\u1eeb l\u00e3nh \u0111\u1ea1o c\u1ea5p cao. M\u00f4 h\u00ecnh c\u00f9ng t\u1ed3n t\u1ea1i s\u1ebd c\u00f3 hi\u1ec7u \u1ee9ng lan t\u1ecfa gi\u1eefa nhi\u1ec1u \u0111\u1ed9i ng\u0169. C\u1ea7n th\u01b0\u1eddng xuy\u00ean \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh quan tr\u1ecdng m\u1ed9t c\u00e1ch nhanh ch\u00f3ng \u0111\u1ec3 k\u1ebf ho\u1ea1ch v\u00e0 c\u00e1c b\u00ean li\u00ean quan \u0111i \u0111\u00fang h\u01b0\u1edbng, ti\u1ebfn t\u1edbi m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n l\u00fd thay \u0111\u1ed5i to\u00e0n di\u1ec7n.<\/p>\n\n\n\n

S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 h\u1ed7 tr\u1ee3 m\u00f4 h\u00ecnh c\u00f9ng t\u1ed3n t\u1ea1i t\u1ed1t h\u01a1n<\/strong><\/p>\n\n\n\n

\u0110\u00e3 qua giai \u0111o\u1ea1n ph\u1ea3i \u00e1p d\u1ee5ng m\u1ed9t quy tr\u00ecnh th\u1ee7 c\u00f4ng m\u00e0 ch\u1eafc ch\u1eafn s\u1ebd g\u00e2y th\u00eam \u00e1p l\u1ef1c c\u00f4ng vi\u1ec7c cho ng\u01b0\u1eddi th\u1ef1c hi\u1ec7n. Thay v\u00e0o \u0111\u00f3 h\u00e3y t\u1eadn d\u1ee5ng ki\u1ebfn tr\u00fac \u0111\u00edch (target architecture) c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh \u0111\u1ec3 h\u1ed7 tr\u1ee3 m\u00f4 h\u00ecnh c\u00f9ng t\u1ed3n t\u1ea1i t\u1eadp trung v\u00e0o c\u00f4ng ngh\u1ec7. <\/p>\n\n\n\n

Khi \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 an t\u00e2m khi bi\u1ebft r\u1eb1ng c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng thay \u0111\u1ed5i b\u1ea5t k\u1ef3 k\u1ebft c\u1ea5u t\u1ea1m th\u1eddi n\u00e0o khi chuy\u1ec3n t\u1eeb tr\u1ea1ng th\u00e1i n\u00e0y sang tr\u1ea1ng th\u00e1i kh\u00e1c v\u1edbi ki\u1ebfn tr\u00fac m\u1ec1m l\u1ecfng h\u01a1n. V\u00ed d\u1ee5: m\u1ed9t d\u1ecbch v\u1ee5 chuy\u00ean d\u1ee5ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c d\u00f9ng l\u00e0m \u201ctrung t\u00e2m \u0111i\u1ec1u khi\u1ec3n\u201d chuy\u00ean qu\u1ea3n l\u00fd c\u00e1c \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd c\u1ee7a m\u00f4 h\u00ecnh c\u00f9ng t\u1ed3n t\u1ea1i tr\u1ea3i tr\u00ean nhi\u1ec1u h\u1ec7 th\u1ed1ng g\u1ed1c (Systems of record) kh\u00e1c nhau.<\/p>\n\n\n\n

Vi\u1ec7c \u0111\u1ea7u t\u01b0 c\u00f3 t\u00ednh to\u00e1n v\u00e0o h\u1ec7 th\u1ed1ng c\u0169 c\u00f3 th\u1ec3 v\u1eabn mang l\u1ea1i l\u1ee3i \u00edch, nh\u01b0ng h\u00e3y lu\u00f4n s\u1eb5n s\u00e0ng cho vi\u1ec7c \u0111\u1ed5i m\u1edbi to\u00e0n di\u1ec7n.<\/strong><\/p>\n\n\n\n

C\u00f3 th\u1ec3 c\u1ea7n thay \u0111\u1ed5i h\u1ec7 th\u1ed1ng ngu\u1ed3n ho\u1eb7c d\u1eef li\u1ec7u \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o chuy\u1ec3n \u0111\u1ed5i th\u00e0nh c\u00f4ng. V\u00ed d\u1ee5: c\u00e1c t\u00e0i kho\u1ea3n c\u0169 c\u00f3 th\u1ec3 g\u1eafn c\u1edd ho\u1eb7c th\u1ebb b\u1ed5 sung \u0111\u1ec3 bi\u1ebft c\u00e1c t\u00e0i kho\u1ea3n c\u0169 n\u00e0o \u0111\u00e3 \u0111\u01b0\u1ee3c di chuy\u1ec3n. Vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch t\u1eeb s\u1edbm v\u1edbi c\u00e1c nh\u00f3m nh\u00e2n s\u1ef1 ch\u1ee7 ch\u1ed1t trong vi\u1ec7c h\u1ed7 tr\u1ee3 h\u1ec7 th\u1ed1ng c\u0169 s\u1ebd gi\u00fap vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i di\u1ec5n ra d\u1ec5 d\u00e0ng h\u01a1n. M\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00e1c kh\u00f4ng k\u00e9m quan tr\u1ecdng l\u00e0 vi\u1ec7c thay \u0111\u1ed5i ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tu\u1ea7n t\u1ef1 \u0111\u1ec3 c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c b\u00ean li\u00ean quan v\u00e0 t\u1ed1i \u0111a h\u00f3a nh\u1eefng l\u1ee3i \u00edch t\u1eeb vi\u00eac hi\u1ec7n \u0111\u1ea1i h\u00f3a h\u1ec7 th\u1ed1ng. <\/p>\n\n\n\n

\u0110\u1ec3 chu\u1ea9n b\u1ecb cho c\u00f4ng cu\u1ed9c s\u1ed1 h\u00f3a to\u00e0n di\u1ec7n, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n chu\u1ea9n b\u1ecb s\u1eb5n s\u00e0ng \u0111\u1ec3 ti\u1ebfp nh\u1eadn nh\u1eefng c\u00f4ng ngh\u1ec7 m\u1edbi, nh\u1eefng c\u00e1ch ti\u1ebfp c\u1eadn v\u00e0 chi\u1ebfn l\u01b0\u1ee3c m\u1edbi. Trong t\u01b0\u01a1ng lai g\u1ea7n, nh\u1eefng ng\u00e2n h\u00e0ng d\u1eabn \u0111\u1ea7u s\u1ebd l\u00e0 nh\u1eefng ng\u00e2n h\u00e0ng s\u1ed1 h\u00f3a th\u00e0nh c\u00f4ng.<\/p>\n\n\n\n

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T\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1ch c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam c\u00f3 th\u1ec3 th\u00e0nh c\u00f4ng trong n\u1ed7 l\u1ef1c s\u1ed1 h\u00f3a h\u1ec7 th\u1ed1ng c\u1ed1t l\u00f5i t\u1ea1i \u0111\u00e2y<\/a>.<\/p>\n\n\n\n

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[1]<\/sup><\/a> Theo ph\u00e2n t\u00edch c\u1ee7a RoboCash Group<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Publicis Sapient nh\u1ea5n m\u1ea1nh nh\u1eefng l\u1ee3i th\u1ebf chi\u1ebfn l\u01b0\u1ee3c trong vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh c\u00f9ng t\u1ed3n t\u1ea1i (core coexistence model) \u0111\u1ec3 tri\u1ec3n khai c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng s\u1eb5n s\u00e0ng cho t\u01b0\u01a1ng lai c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u1edf Vi\u1ec7t Nam. Th\u1eddi gian v\u1eeba qua, c\u00f4ng cu\u1ed9c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh […]\n","protected":false},"author":3841,"featured_media":27208,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[3043],"tags":[],"class_list":["post-27207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kinh-te"],"yoast_head":"\nChuy\u1ec3n \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eb1m th\u00edch \u1ee9ng t\u01b0\u01a1ng lai s\u1ed1 h\u00f3a th\u00f4ng qua m\u00f4 h\u00ecnh \u201cc\u00f9ng t\u1ed3n t\u1ea1i\u201d<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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