Thang toán trên các thiết bị di động trong thị trường kinh tế số hóa thời đại 4

BỘ GIÁO DỤC VÀ ĐÀO TẠO NGÂN HÀNG NHÀ NƢỚC VIỆT NAM

TRƢỜNG ĐẠI HỌC NGÂN HÀNG TP.HỒ CHÍ MINH

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LÊ ĐẶNG THÙY MAI

THANH TOÁN TRÊN CÁC THIẾT BỊ DI ĐỘNG TRONG

THỊ TRƢỜNG KINH TẾ SỐ HÓA THỜI ĐẠI 4.0 Ở VIỆT

NAM

KHÓA LUẬN TỐT NGHIỆP

CHUYÊN NGÀNH: TÀI CHÍNH - NGÂN HÀNG

MÃ SỐ: 7340201

NGƢỜI HƢỚNG DẪN KHOA HỌC

TS.TRẦN TRỌNG HUY

TP.HỒ CHÍ MINH, NĂM 2018

TÓM TẮT

u h y u ng ngh tr n th gi i ng i n r s i ng h n o gi h t

khi n ho m i ng vi n gi n h y ph t p ng th ho n th nh v i hi

i n tho i th ng minh nh g n trong t m t y trong t h t . N m b t xu th phát

tri n công ngh thanh toán trên th gi i v nh n nh n nh ng l i h v t tr i

m ph ng n th nh to n n y m ng l i, th nh to n tr n thi t i ng t i Vi t

N m ng trong gi i o n ng n v r t n nh ng ng g p t h ph t tri n

h n n ng nh ng i n ph p th ng k m t thu th p t i li u t nhi u ngu n

nghi n u v so s nh t gi r nh ng nh gi tr n t nh h nh th t

nh m h r nh ng i m h n h tr ng i n t n t i ph ng n th nh to n n y

t i Vi t N m v r nh ng ph ng n kh ph n nh ng kh ng th

qu nh ng l i th v h i n n m t t n ng v ph t huy ph t tri n.

V i m t qu gi n s tr t l s ng ti n m t trong l u th ng n o th Vi t

N m r t ti m n ng trong xu h ng th nh to n i ng Tuy nhi n s ph n m nh

ng ngh m i tr ng ph p l v t nh n to n trong n n t ng ng ngh th ng tin l

nh ng th th h l n n ph i gi i quy t ng nh ng gi i ph p s ng t o h h i t

kinh nghi m qu t qu n tr ng nh t l s qu n t m Nh n v s hung t y

h p t n th m gi v o gi i ph p th nh to n i ng ng v i h th ng

Ng n h ng t i Vi t N m t o i u ki n ho th nh to n qu thi t i ng t i Vi t

Nam phát tri n an toàn, hi u qu v n v ng.

SUMMARY

We are living in the 4.0 industrial revolution, this is no longer news of a future

event, this technological revolution has changed the way things running. Everyday,

the news about this trend are reported on social media. Almost all countries in the

world racing on technology improvements. In order to improve the position and the

quality of human life, Vietnam is now beginning its first steps in the digital

development process.

Smartphones have become attached to the lives of people because of the practical

role. Not only be a communications device, but smartphones also play a role in

entertainment, learning, working, health monitoring, shopping, life management,

paying bills. It seems like the ability to work in diversified field by only a

smartphone is growing. That is the reason why the demand for smartphones is

increasing. With the advancement of technology, the introduction of mobile

payment products and services in the 4.0 era is essential.

The technology race is taking place more exciting than ever, making any simple

or complex task can be accomplished with a compact smartphone just in the blink

of an eye. Captured the trend of developing payment technology in the world and

found the outstanding benefits of this payment method, the payment via mobile

devices in Vietnam is in the blooming stage and we need positive contribution for

further development. This trend not only changes the way payments, but also

creates and promotes new business models, changes consumer behavior.

By using methods such as descriptive statistics and data collection from various

sources, the author makes a realistic evaluation to show limits and issues of this

payment method in Vietnam. Beside that, it‟s in p le to ignore the advantages

and opportunities that need to be catched and used for development. Having a

young population and the high rate of cash-using in monetary circulation, Vietnam

has great potential in the mobile payment trend. However, technological

fragmentation, regulatory environment and security in the information technology

platform are heavy challenges that need to be solved by creative solutions, learning

from the international experiences. But the most important thing is the concern of

Government and the cooperation of the involved parties in mobile payment with the

banking system in Vietnam, facilitating the payment via mobile devices in Vietnam

has safe, effective, sustainable development.

Summary Chapter 1

In chapter 1, the author presents the basic theory of mobile payment trends in the

digital age in Vietnam. Firstly, author mention about the context of mobile

payments – Indistrial Revolution 4 0 n nswer the question “Wh t is mo ile

p yment?” At the next specific content covers the concepts, the development

history of mobile payments, classification of mobile payments, operating models,

supporting devices as well as the conditions for this payment activities, their role for

the state, banks, companies and also people in our country. Finally, criteria for

evaluation are given to analysis situation of mobile payment development. Base on

understanding about basic meaning of mobile payment, which helps reader to have

basic knowledges and right direction to chapter 2.

Summary Chapter 2

In Chapter 2, to help readers understand the development of mobile payment in

Vietnam market. The author presents specific contents including the situations of

the e-commerce market, the banks, Fintech units, the legal corridor, the dynamics

and the current direction of the state. It also points to the volatility of the market that

will affect mobile payments. Vietnam's advantage is being a developing country

with a young population structure, so it is very easy to update new technology

trends. Payment methods via smartphone started few years in Viet Nam, althought it

brings many benefits but also has a lot of weakness that need to be improved. And

the biggest weakness is security – the field that big counties must also be careful.

Moreover it‟s quite iffi ult to h nge the using sh h it of people e use they

have many reason to not choose to trust mobile payment method. Because of

working together on the digital technology platform so ecommerce development is

also an important lever for payment on mobile devices.

Following the experts, because of being a brand-new market, Vietnam has many

opportunities and potential development. The Government of Vietnam has plans to

focus on developing mobile payments as a key target in the coming years. Therefore,

the banking system, fintech companies, retailers in Vietnam need to cooperate to

speed up the evolution of mobile payments.

Summary Chapter 3

Apply the technology on payment system to replace cash completely changed the

definition of traditional cash transactions, helping the Bank to change its operating

process become more efficiently and profitably, enterprise and Fintech companies

have more development opportunities, the way that people manage finance is more

convenient.

In Chapter 3, based on the direction of the government with the goal of non-cash

society and sustainable economy, author contribute some solutions that may help in

the intention of overcoming the weaknesses of mobile payments. By consulting the

experts in this field and the author's own knowledge, there are solutions to progress

payment by mobile devices. These recommendations for the State to facilitate for

mobile payment by reform include legal system, security and pay attention on

technology update. About the banks and Fintech company, it is important to focus

to enhance quality of produce and service and customers care, while also taking the

initiative in ensuring the security of information technology. As mentioned in

Chapter 2, changing consumer habits from using cash to mobile payment will take

time because cash payments are very popular. Therefore, Government incentives

and bank policies to encourage mobile payments play a very important role. With

recommendations and contributions, author want to help our Vietnam gradually

adapt to the process of economic integration digitization in coming years.

General Conclusion

Industrial revolution 4.0 is the opportunity for Vietnam to shorten the

development gap with other developed nations in the world. The mobile payment

tren response for one of the new er ‟s require em n ut to hieve the proje ts

we need more efforts from all related organizations as well as the trust of customers

for this payment method.

LỜI CAM ĐOAN

K nh th qu th y t i t n l L Đ ng Thùy Mai, sinh viên h c nhân

ch t l ng o tr ng i h c Ngân hàng tp.H h Minh t i xin m o n

khóa lu n này là công trình nghiên c u c a riêng tác gi , có s hỗ tr c a

gi ng vi n h ng dẫn là th y Tr n Tr ng Huy, k t qu nghiên c u là trung

th trong kh ng n i ung ã c công b tr y ho c các n i

ung o ng i khác th c hi n ngo i tr các trích dẫn c dẫn ngu n y

trong khóa lu n.

Tác gi

L Đ ng Thùy Mai

LỜI CẢM ƠN

Đ u ti n t i xin g i l i m n s u s n Tr ng Đ i h Ng n h ng i t

l qu th y gi o ã nhi t t nh gi ng y t n t nh v t o i u ki n t t ho vi

h t p ng nh r n luy n trong su t th i gi n t i theo h t i tr ng

Đ i t t i xin h n th nh m n th y Tr n Tr ng uy ã h t l ng h o,

h ng ẫn t v n v g p r t t n t nh trong qu tr nh t i th hi n lu n v n n y

Nh ng i u th y h y kh ng h l nh ng nh h ng trong lu n v n m n l

nh ng k n ng t i nh n th ng n ho qu tr nh l m vi s u n y

Nh ng hi s l i khuy n t n h ng kh l s ng vi n r t qu gi

t i th ki n tr th hi n lu n v n v t ng ho n th nh kh h c.

u i ng xin nh l i m n nh ho gi nh n ã ng h nh ng tôi,

th ng m v th u hi u ho nh ng i u kh ng v t o i u ki n t t ho t i to n

tâm th hi n kh lu n

Th nh ph h Minh th ng n m 0

L Đ ng Th y M i

MỤC LỤC

DANH MỤC TỪ VIẾT TẮT................................................................................1

DANH MỤC BẢNG BIỂU, BIỂU ĐỒ, H NH ẢNH..........................................2

PHẦN MỞ ĐẦU....................................................................................................4

CHƢƠNG 1: TỔNG QUAN VỀ XU HƢỚNG THANH TOÁN TRÊN DI

ĐỘNG.........................................................................................................................8

1.1 Khái ni m...................................................................................................8

1.1.1 Kỷ nguyên s hóa 4.0............................................................................8

1.1.2 Mobile payment ....................................................................................9

1.1.3 E-baking................................................................................................9

1.1.4 Công ty fintech......................................................................................9

1.2 L ch s r i và phát tri n. .....................................................................10

1.2.1 L ch s và s r i c ph ng th th nh to n i n t ...................10

1.2.2 Câu chuy n v xã h i th nh to n i ng ph bi n nh t trên th gi i

.............................................................................................................11

1.2.3 L ch s r i và c i ti n máy nh n thanh toán POS..........................13

1.3 Vai trò c th nh to n i ng .................................................................14

1.4 Xu h ng th nh to n tr n i ng ...........................................................15

1.5 Các thi t b và công ngh hỗ tr ..............................................................18

1.5.1 Thi t b i ng thông minh................................................................18