Xu thế phát triển công nghệ thanh toán điện tử ở Việt Nam

iCONG NGHE NGAN HANG -

V

di be day lich sir khodng

25 nam hmh thdnh vd

phdt trien, thanh toan

dien tu dd ngdy cdng trd thdnh

van hoa thanh todn hipn dai vd

khd quen thudc, phd bi6n vdi

ngudi ddn Viet Nam. Qud trinh

phat trien ngoan muc ca v6 sd

lupng va chat lupng cua cdng

nghe thanh toan dien tu d Viet

Nam ludn song hdnh ciing sy

phat trien bung nd cua cdng

nghe thdng tin vien thdng tren

the gidi cung nhu d Viet Nam.

Dich vy thanh todn dien tu vdi

cdc tien ich da dang, vupi trdi

cae dich vy thanh todn truyen

thdng, ddng thdi ngdy cang trd

nen phd bien, de ddng tiep can

ddi vdi mpi tang ldp ddn cu

trong xd hpi dang la co hdi, ddng

thdi cung Id thach thiic de cdc

ngdn hang thuang mai (NHTM)

nang cao nang lyc canh tranh,

md rdng thi phdn cung iing dich

vu ngan hang d Viet Nam. Co sd

nen tdng de phat trien dich vu

thanh todn dien td d ViSt Nam

khdng chi Id sy phdt trien nhanh

chdng ha tdng mang Iudi thiet

hi cdng nghe vien thdng ma cdn

Id sy cung cd vd phdt trien ddng

ke ca ve lupng va chdt co sd ha

tdng ky thuat thanh loan trong

loan he thdng ngdn hdng Viet

Nam, cung nhu khudn khd phdp

ly lien quan dupc timg budc sua

ddi, bd sung va hodn thi?n de

ngdy cdng phu hpp hon vdi yeu

cau ciia thyc tien.

1. Miirc 60 san sang ve dieu

kien ha tang ky thuat - cong nglie

i) Mang ludi ha tdng vien

thong, internet, difn thogi

thdng minh v&i ket noi 3G, wifi

trong thdi gian qua da nhanh

* Hi N61

© TAP CHi NGAN HANC | S012 | THANG 6/2016

XUTHEPHATTRI^NCDNG NGHE

THANH TOAN DIEN TO 01 Vl ^ NAM

^ TS. Duong Hong Phtfcmg *

chdng phdt trien va trd nen phd

cap rpng rai tren toan qudc.

Theo sd lieu thdng ke cua Bp

Thdng tin vd Truyen thdng, tinh

ddn thdng 12/2014, sd lupng

thue bao intemet bang rdng d

Viet Nam dat 11.923.000 thue

bao, frong dd cd 6.980.000

thue bao bang rdng cd dinh,

4.943.000 thue bao bdng rpng di

ddng; thue bao 3G dat 20% ciia

138.630.000 dien thoai di ddng.

Hien nay, ty frpng ngudi dan

Viet Nam su dung intemet mdi

ngdy dat binh qudn khodng 30%

tdng ddn sd vd theo dy bao den

nam 2020 con sd ndy se Ien tdi

45-50%. Intemet va cdc thiet bi

dien tu vien thdng da hd trp tich

cyc thiic ddy thuang mai dien tu

phdt trien: khodng 58% sd ngudi

su dung Intemet da tham gia

mua hdng tryc tuyen vd theo dai

dien lanh dao Bd Cdng thuang

tai Dien ddn thanh todn dien tu

VietNam 2015 (VEPF 2015) thi

udc tmh frong sd hon 120 trieu

thue bao di ddng hien nay d Viet

Nara ed gdn hai phdn ba khdch

hdng sit dung smartphone de

mua hang true tuyen. Bdo cdo

thuong mai dien tu Viet Nam

nam 2014 ciia Bp Cdng Thuong

cho thay, mua ban tryc tuydn da

phat trien rat nhanh thdi gian

qua vdi doanh thu B2C nam

2014 dat gdn 3 ty USD. Tuy

nhien, fren thi trudng thuang

mai dien tu Viet Nam hien nay

van cdn dang phd bidn tinh

frang thanh loan bdng tidn mat

khi nhan hdng mua tryc tuydn;

theo khdo sat 2014 cua Bd Cdng

thuong the tin dyng chi chiem

7% frong thanh todn cdc giao

dich mua hdng tryc tuyen, lien

mat vdn Id phuang thiic thanh

todn phd bien nhdt hien nay voi

ty frpng khodng 64%. Thyc te

ndy dat ra thdch thiic cho cac

td chiic cung iing dich vy thanh

todn (TCCUDVTT) d Viet Nam

cdn franh thu tan dyng dieu kien

CO sd ha tdng sdn cd ciia mang

ludi vien thdng vdi ngudn cung

ddi ddo cdc thiet bj dien tit hien

dai, gid cd hop ly fren thi trudng

Viet Nam hien nay nhu mdy tinh

bang, dien thoai thdng minh c6

cdc ling dung hd frp thudn Ipi de

phdt tridn vd cung ung cac djch

vu thanh todn dien tir nhu mobile

banking, mobile payment mang

lai cho khdch hdng nhieu lua

chpn phong phii cac kenh giao

dich thanh loan dien tir.

Hien nay, tai Viet Nara, co

khodng 60 TCCUDVTT fridn

khai cung iing cdc dich vu

thanh loan qua intemet va gdn

40 TCCUDVTT cung iing cdc

dich vu thanh loan qua dien

thoai di ddng. Xu hudng thaih

todn dien tir qua intemet vd dien

thoai di ddng ngay cdng frd nen

phd bidn va gia tang cd ve gid

tri lan sd lupng giao dich. Dich

vu thanh toan qua intemet

banking, tuy mdi phdt trien tir

ndm 2009 den nay, nhung da

nhanh chdng khdng dinh dupc

vi thd quan frpng fren thi trudng

vdi nhiing thdnh cdng d cac tinh

nang co bdn ban ddu (tmy van

thdng tin, xem sd du, nap tien

dien thoai...) cho den viec hd