{"id":4971,"date":"2020-11-21T09:00:54","date_gmt":"2020-11-21T02:00:54","guid":{"rendered":"https:\/\/www.fiahub.com\/blog\/?p=4971"},"modified":"2025-03-12T16:10:29","modified_gmt":"2025-03-12T09:10:29","slug":"fintech-la-gi-ung-dung-cua-fintech","status":"publish","type":"post","link":"https:\/\/www.fiahub.com\/blog\/fintech-la-gi-ung-dung-cua-fintech\/","title":{"rendered":"Fintech l\u00e0 g\u00ec? \u1ee8ng d\u1ee5ng c\u1ee7a Fintech"},"content":{"rendered":"\r\n<p><em>Fintech \u0111\u01b0\u1ee3c xem nh\u01b0 m\u1ed9t ch\u1ee7 \u0111\u1ec1 n\u1ed5i b\u1eadt trong th\u1eddi gian g\u1ea7n \u0111\u00e2y. \u0110\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi d\u00e2n IT hay nh\u1eefng ng\u01b0\u1eddi c\u00f3 s\u1ef1 quan t\u00e2m \u0111\u1eb7c bi\u1ec7t \u0111\u1ebfn c\u00f4ng ngh\u1ec7, \u0111\u00e2y s\u1ebd l\u00e0 v\u1ea5n \u0111\u1ec1 t\u00e1n g\u1eabu th\u00fa v\u1ecb c\u1ee7a h\u1ecd. V\u1eadu Fintech l\u00e0 g\u00ec? \u0110\u1ec3\u00a0 t\u00ecm hi\u1ec3u c\u1ee5 th\u1ec3 h\u01a1n v\u1ec1 Fintech c\u0169ng nh\u01b0 c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a n\u00f3, b\u1ea1n h\u00e3y theo d\u00f5i b\u00e0i vi\u1ebft sau \u0111\u00e2y.\u00a0<\/em><\/p>\r\n\r\n\r\n\r\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung b\u00e0i vi\u1ebft<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fiahub.com\/blog\/fintech-la-gi-ung-dung-cua-fintech\/#Vay_Fintech_la_gi\" >V\u1eady Fintech l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fiahub.com\/blog\/fintech-la-gi-ung-dung-cua-fintech\/#Diem_qua_cac_ung_dung_fintech_trong_kinh_doanh\" >\u0110i\u1ec3m qua c\u00e1c \u1ee9ng d\u1ee5ng fintech trong kinh doanh<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fiahub.com\/blog\/fintech-la-gi-ung-dung-cua-fintech\/#La_nen_tang_huy_dong_von_tu_cong_dong\" >L\u00e0 n\u1ec1n t\u1ea3ng huy \u0111\u1ed9ng v\u1ed1n t\u1eeb c\u1ed9ng \u0111\u1ed3ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fiahub.com\/blog\/fintech-la-gi-ung-dung-cua-fintech\/#Ung_dung_trong_Blockchain_va_tien_dien_tu\" >\u1ee8ng d\u1ee5ng trong Blockchain v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fiahub.com\/blog\/fintech-la-gi-ung-dung-cua-fintech\/#Mot_ung_dung_vuot_bac_-_Thanh_toan_di_dong\" >M\u1ed9t \u1ee9ng d\u1ee5ng v\u01b0\u1ee3t b\u1eadc - Thanh to\u00e1n di \u0111\u1ed9ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.fiahub.com\/blog\/fintech-la-gi-ung-dung-cua-fintech\/#Phat_trien_cong_nghe_bao_hiem\" >Ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.fiahub.com\/blog\/fintech-la-gi-ung-dung-cua-fintech\/#Co_van_tai_chinh_va_giao_dich_chung_khoan_truc_tuyen\" >C\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh v\u00e0 giao d\u1ecbch ch\u1ee9ng kho\u00e1n tr\u1ef1c tuy\u1ebfn<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.fiahub.com\/blog\/fintech-la-gi-ung-dung-cua-fintech\/#Ung_dung_vao_viec_lap_ngan_sach\" >\u1ee8ng d\u1ee5ng v\u00e0o vi\u1ec7c l\u1eadp ng\u00e2n s\u00e1ch<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.fiahub.com\/blog\/fintech-la-gi-ung-dung-cua-fintech\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Vay_Fintech_la_gi\"><\/span><strong>V\u1eady Fintech l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>Fintech \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn l\u00e0 m\u1ed9t s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 Finance v\u00e0 c\u00f4ng ngh\u1ec7 Technology, ngh\u0129a l\u00e0 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh. Hay hi\u1ec3u m\u1ed9t c\u00e1ch kh\u00e1c c\u00f3 ngh\u0129a l\u00e0 v\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0o trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. Nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111em l\u1ea1i s\u1ef1 thu\u1eadn ti\u1ec7n, g\u00f3p ph\u1ea7n n\u00e2ng cao hi\u1ec7u qu\u1ea3 cho doanh nghi\u1ec7p v\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u00f9ng cu\u1ed1i.<\/p>\r\n\r\n\r\n\r\n<p>B\u1ea5t k\u1ef9 c\u00f4ng ty n\u00e0o c\u00f3 s\u1eed d\u1ee5ng internet, thi\u1ebft b\u1ecb di \u0111\u1ed9ng hay c\u00e1c c\u00f4ng ngh\u1ec7 ph\u1ea7n m\u1ec1m, d\u1ecbch v\u1ee5 \u0111\u00e1m m\u00e2y \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho vi\u1ec7c k\u1ebft n\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh th\u00ec \u0111\u1ec1u \u0111\u01b0\u1ee3c xem l\u00e0 Fintech. M\u1eb7c d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho c\u00f4ng ngh\u1ec7 B2B gi\u1eefa doanh nghi\u1ec7p v\u00e0 doanh nghi\u1ec7p. Song,\u00a0 c\u00f3 nhi\u1ec1u s\u1ea3n ph\u1ea9m Fintech \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf nh\u1eb1m ph\u1ee5c v\u1ee5 c\u00f4ng ngh\u1ec7 k\u1ebft n\u1ed1i t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\r\n\r\n\r\n\r\n<p>Fintech l\u00fac \u0111\u1ea7u ch\u1ec9 l\u00e0 nh\u1eefng c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c t\u1ea1o ra \u0111\u1ec3 \u00e1p d\u1ee5ng cho c\u00e1c h\u1ec7 th\u1ed1ng backend c\u1ee7a ng\u00e2n h\u00e0ng hay c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh kh\u00e1c. Nh\u01b0ng d\u1ea7n v\u1ec1 sau, n\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n th\u00e0nh nhi\u1ec1u \u1ee9ng d\u1ee5ng h\u01a1n v\u00e0 \u0111\u01b0\u1ee3c t\u1eadp trung v\u00e0o ng\u01b0\u1eddi ti\u00eau d\u00f9ng. \u0110\u1ebfn n\u0103m n\u0103m 2020, nh\u1eefng ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd c\u00e1c qu\u1ef9, giao d\u1ecbch c\u1ed5 phi\u1ebfu, hay thanh to\u00e1n th\u1ef1c ph\u1ea9m, qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh th\u00f4ng qua c\u00f4ng ngh\u1ec7 Fintech ch\u1ec9 v\u1edbi m\u1ed9t chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh.<\/p>\r\n\r\n\r\n\r\n<p>C\u00e1c c\u00f4ng c\u1ee5 fintech cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng tr\u00ean to\u00e0n th\u1ebf gi\u1edbi kh\u00f4ng c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, nh\u01b0ng v\u1eabn c\u00f3 th\u1ec3 nhanh ch\u00f3ng v\u00e0 d\u1ec5 d\u00e0ng tham gia v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. M\u00e0 \u0111i\u1ec3m \u0111\u1eb7c bi\u1ec7t l\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng nh\u01b0 ki\u1ec3u truy\u1ec1n th\u1ed1ng n\u1eefa.<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" class=\"wp-image-4976\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/fintech-l\u00e0-g\u00ec-1024x683.jpg\" alt=\"fintech l\u00e0 g\u00ec\" srcset=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/fintech-l\u00e0-g\u00ec-1024x683.jpg 1024w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/fintech-l\u00e0-g\u00ec-150x100.jpg 150w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/fintech-l\u00e0-g\u00ec-300x200.jpg 300w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/fintech-l\u00e0-g\u00ec-768x512.jpg 768w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/fintech-l\u00e0-g\u00ec-810x540.jpg 810w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/fintech-l\u00e0-g\u00ec-1140x760.jpg 1140w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/fintech-l\u00e0-g\u00ec.jpg 1635w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\r\n<\/div>\r\n\r\n\r\n\r\n<p style=\"text-align: center;\"><em> L\u00e0 s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa Finance v\u00e0 Technology <\/em><\/p>\r\n\r\n\r\n\r\n<p>V\u1edbi nh\u1eefng \u0111i\u1ec3m n\u1ed5i b\u1eadt m\u00e0 Fintech mang l\u1ea1i, n\u00f3 \u0111\u00e3 d\u1ea7n x\u00e2m nh\u1eadp v\u00e0o cu\u1ed9c s\u1ed1ng c\u1ee7a ch\u00fang ta. V\u00e0 gi\u00fap thay \u0111\u1ed5i theo m\u1ed9t h\u01b0\u1edbng t\u00edch c\u1ef1c h\u01a1n, hi\u1ec7n \u0111\u1ea1i v\u00e0 ti\u1ec7n l\u1ee3i h\u01a1n, thay \u0111\u1ed5i ho\u00e0n to\u00e0n c\u00e1ch th\u1ee9c m\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c v\u1edbi t\u00e0i ch\u00ednh. Ch\u00ednh v\u00ec v\u1eady, Fintech c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t m\u1ed1i \u0111e d\u1ecda \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i ng\u00e2n h\u00e0ng hay c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng tr\u01b0\u1edbc kia.<\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Diem_qua_cac_ung_dung_fintech_trong_kinh_doanh\"><\/span><strong>\u0110i\u1ec3m qua c\u00e1c \u1ee9ng d\u1ee5ng fintech trong kinh doanh<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>Fintech l\u00e0 m\u1ed9t c\u00e1i t\u00ean n\u00f3ng h\u1ecfi trong th\u1eddi gian qua, \u0111\u1eb7c bi\u1ec7t \u1edf n\u0103m 2020 n\u00f3 \u0111\u00e3 ph\u00e1t tri\u1ec3n nhi\u1ec1u \u1ee9ng d\u1ee5ng h\u01a1n n\u1eefa. Sau \u0111\u00e2y, h\u00e3y c\u00f9ng m\u00ecnh \u0111i\u1ec3m qua c\u00e1c \u1ee9ng d\u1ee5ng Fintech trong kinh doanh m\u00e0 b\u1ea1n c\u0169ng n\u00ean bi\u1ebft nh\u00e9.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_nen_tang_huy_dong_von_tu_cong_dong\"><\/span><strong><em>L\u00e0 n\u1ec1n t\u1ea3ng huy \u0111\u1ed9ng v\u1ed1n t\u1eeb c\u1ed9ng \u0111\u1ed3ng<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>L\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c huy \u0111\u1ed9ng v\u1ed1n t\u1eeb nh\u1eefng c\u00e1 nh\u00e2n nh\u1ecf, nh\u01b0ng \u0111\u00f4ng v\u00e0 ch\u1ee7 y\u1ebfu ch\u00fang \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua m\u1ea1ng internet. C\u00e1c n\u1ec1n t\u1ea3ng huy \u0111\u1ed9ng v\u1ed1n c\u1ed9ng \u0111\u1ed3ng n\u00e0y cho ph\u00e9p nh\u1eefng ng\u01b0\u1eddi d\u00f9ng internet c\u00f3 th\u1ec3 g\u1eedi ho\u1eb7c nh\u1eadn ti\u1ec1n \u0111\u1ebfn nh\u1eefng ng\u01b0\u1eddi kh\u00e1c tr\u00ean n\u1ec1n t\u1ea3ng.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Kh\u00e1c v\u1edbi c\u00e1ch vay ti\u1ec1n ki\u1ec3u truy\u1ec1n th\u00f4ng, b\u1ea1n ph\u1ea3i ng\u00e2n h\u00e0ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n nhi\u1ec1u th\u1ee7 t\u1ee5c cho vay. Gi\u1edd \u0111\u00e2y, b\u1ea1n c\u00f3 th\u1ec3 tr\u1ef1c ti\u1ebfp k\u00eau g\u1ecdi v\u1ed1n t\u1eeb c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh th\u00f4ng qua n\u1ec1n t\u1ea3ng n\u00e0y. V\u1edbi kho\u1ea3ng th\u1eddi gian g\u1ea7n 10 n\u0103m, h\u00ecnh th\u1ee9c g\u00e2y v\u1ed1n n\u00e0y \u0111\u00e3 t\u1ea1o ra m\u1ed9t c\u00fa n\u1ed5 l\u1edbn tr\u00ean th\u1ebf gi\u1edbi khi t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng c\u1ee7a n\u00f3 \u0111\u1ea1t m\u1ed9t con s\u1ed1 \u0111\u00e1ng kinh ng\u1ea1c, c\u1ee5 th\u1ec3 l\u00e0 t\u1eeb 2,7 t\u1ef7 \u0111\u00f4 la (n\u0103m 2012) l\u00ean 34 t\u1ef7 \u0111\u00f4 la (n\u0103m 2015), theo b\u00e1o c\u00e1o c\u1ee7a Massolution.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ung_dung_trong_Blockchain_va_tien_dien_tu\"><\/span><strong><em>\u1ee8ng d\u1ee5ng trong Blockchain v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 blockchain \u0111\u01b0\u1ee3c xem l\u00e0 nh\u1eefng v\u00ed d\u1ee5 h\u1ebft s\u1ee9c ti\u00eau bi\u1ec3u v\u1ec1 c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a Fintech. C\u00e1c s\u00e0n giao d\u1ecbch ti\u1ec1n \u0111i\u1ec7n t\u1eed \u0111\u00e3 s\u1eed d\u1ee5ng Fintech \u0111\u1ec3 k\u1ebft n\u1ed1i gi\u1eefa nh\u1eefng ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi mu\u1ed1n b\u00e1n c\u00e1c lo\u1ea1i ti\u1ec1n \u0111i\u1ec7n t\u1eed (nh\u01b0 Bitcoin ho\u1eb7c Litecoin), c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn v\u00e0i c\u00e1i t\u00ean ti\u00eau bi\u1ec3u nh\u01b0 Coinbase v\u00e0 Gemini .<\/p>\r\n\r\n\r\n\r\n<p>B\u00ean c\u1ea1nh ti\u1ec1n \u0111i\u1ec7n t\u1eed, \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a blockchain nh\u01b0 BlockVerify th\u00f4ng qua vi\u1ec7c s\u1eed d\u1ee5ng Blockchain \u0111\u1ec3 t\u1eadp trung v\u00e0o vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 ch\u1ed1ng h\u00e0ng gi\u1ea3. Th\u00f4ng qua \u0111\u00f3 c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c s\u1ea3n ph\u1ea9m gi\u1ea3 m\u1ea1o, c\u00e1c h\u00e0ng h\u00f3a b\u1ecb \u0111\u00e1nh c\u1eafp hay c\u00e1c giao d\u1ecbch di\u1ec5n ra gian l\u1eadn.<\/p>\r\n\r\n\r\n\r\n<p>N\u1ebfu nh\u01b0 \u1edf \u0111\u00e2u \u0111\u00f3 v\u1eabn c\u00f2n ng\u01b0\u1eddi tranh c\u00e3i v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 c\u1ee7a ti\u1ec1n \u0111i\u1ec7n t\u1eed hay v\u1ec1 blockchain, th\u00ec n\u00f3 th\u1ef1c s\u1ef1 \u0111\u00e3 v\u00e0 \u0111ang thay \u0111\u1ed5i th\u1ebf gi\u1edbi c\u1ee7a ch\u00fang ta m\u1ed7i ng\u00e0y theo m\u1ed9t h\u01b0\u1edbng t\u00edch c\u1ef1c.<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter\"><img decoding=\"async\" width=\"700\" height=\"499\" class=\"wp-image-4978\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/\u1ee9ng-d\u1ee5ng-c\u1ee7a-fintech.jpg\" alt=\"\u1ee9ng d\u1ee5ng c\u1ee7a fintech\" srcset=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/\u1ee9ng-d\u1ee5ng-c\u1ee7a-fintech.jpg 700w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/\u1ee9ng-d\u1ee5ng-c\u1ee7a-fintech-150x107.jpg 150w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/\u1ee9ng-d\u1ee5ng-c\u1ee7a-fintech-300x214.jpg 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/figure>\r\n<\/div>\r\n\r\n\r\n\r\n<p style=\"text-align: center;\"><em> Ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 blockchain \u0111\u01b0\u1ee3c xem l\u00e0 v\u00ed d\u1ee5 ti\u00eau bi\u1ec3u <\/em><\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><strong><em>M\u1ed9t \u1ee9ng d\u1ee5ng v\u01b0\u1ee3t b\u1eadc &#8211; Thanh to\u00e1n di \u0111\u1ed9ng<\/em><\/strong><\/h3>\r\n\r\n\r\n\r\n<p>Thanh to\u00e1n di \u0111\u1ed9ng l\u00e0 m\u1ed9t \u1ee9ng d\u1ee5ng v\u00f4 c\u00f9ng ti\u1ec7n l\u1ee3i v\u00e0 n\u1ed5i b\u1eadt c\u1ee7a Fintech. V\u00e0 c\u00f3 v\u1ebb nh\u01b0 nh\u1eefng ai s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh \u0111\u1ec1u \u0111\u00e3 v\u00e0 \u0111ang s\u1eed d\u1ee5ng m\u1ed9t s\u1ed1 h\u00ecnh th\u1ee9c thanh to\u00e1n di \u0111\u1ed9ng. Theo Worldpay, thanh to\u00e1n di \u0111\u1ed9ng d\u01b0\u1eddng nh\u01b0 s\u1ebd thay th\u1ebf c\u00e1ch thanh to\u00e1n b\u1eb1ng th\u1ebb ( nh\u01b0 th\u1ebb Visa, MasterCard,&#8230;). V\u00e0 tr\u1edf th\u00e0nh m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n \u0111\u01b0\u1ee3c \u01b0a chu\u1ed9ng nh\u1ea5t.<\/p>\r\n\r\n\r\n\r\n<p>V\u00ed \u0111i\u1ec7n t\u1eed tr\u1edf th\u00e0nh m\u1ed9t phong tr\u00e0o \u0111\u01b0\u1ee3c n\u1edf r\u1ed9 t\u1ea1i th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam trong kho\u1ea3ng nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. Hi\u1ec7n nay, \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c n\u00e0y t\u1ea1i n\u01b0\u1edbc ta \u0111\u00e3 c\u00f3 g\u1ea7n 20 \u0111\u01a1n v\u1ecb trung gian thanh to\u00e1n \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p cho vi\u1ec7c cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 v\u00ed \u0111i\u1ec7n t\u1eed nh\u01b0: MoMo, VTC-Pay, Vimo, Vnmart, ZaloPay, AirPay, Payoo, Moca,\u2026 B\u00ean c\u1ea1nh \u0111\u00f3, v\u1edbi t\u00ednh n\u0103ng thanh to\u00e1n th\u00f4ng qua vi\u1ec7c qu\u00e9t m\u00e3 QR \u0111\u00e3 \u0111\u01b0\u1ee3c c\u00e1c \u0111\u01a1n v\u1ecb cung c\u1ea5p tri\u1ec3n khai m\u1ed9t c\u00e1ch m\u1ea1nh m\u1ebd tr\u00ean c\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 gi\u00fap \u1ee9ng d\u1ee5ng thanh to\u00e1n di \u0111\u1ed9ng tr\u1edf n\u00ean ti\u1ec7n l\u1ee3i h\u01a1n.<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Phat_trien_cong_nghe_bao_hiem\"><\/span><strong><em>Ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m\u00a0<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>Bao g\u1ed3m t\u1ea5t c\u1ea3 m\u1ecdi th\u1ee9 t\u1eeb b\u1ea3o hi\u1ec3m xe h\u01a1i \u0111\u1ebfn b\u1ea3o hi\u1ec3m gia \u0111\u00ecnh v\u00e0 c\u1ea3 b\u1ea3o hi\u1ec3m v\u1ec1 d\u1eef li\u1ec7u, Fintech qu\u1ea3 th\u1ef1c c\u00f3 t\u00e1c \u0111\u1ed9ng m\u1ea1nh m\u1ebd \u0111\u1ebfn ng\u00e0nh b\u1ea3o hi\u1ec3m. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p hi\u1ec7n nay \u0111\u00e3 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m n\u00e0y v\u00e0 ng\u00e0y c\u00e0ng thu h\u00fat \u0111\u01b0\u1ee3c c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 tham gia.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>V\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh nh\u01b0 Oscar Health &#8211; c\u00f4ng ty kh\u1edfi nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 l\u00e0 3,2 t\u1ef7 \u0111\u00f4 la v\u00e0 \u0111\u00e3 \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n kho\u1ea3ng 165 tri\u1ec7u \u0111\u00f4 la v\u00e0o th\u00e1ng 3 n\u0103m 2018, theo CNBC.\u00a0<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Co_van_tai_chinh_va_giao_dich_chung_khoan_truc_tuyen\"><\/span><strong><em>C\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh v\u00e0 giao d\u1ecbch ch\u1ee9ng kho\u00e1n tr\u1ef1c tuy\u1ebfn<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>N\u0103m 2008, \u1ee9ng d\u1ee5ng trong vi\u1ec7c l\u00e0m c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh t\u1ef1 \u0111\u1ed9ng v\u00e0 d\u1ecbch v\u1ee5 ch\u1ee9ng kho\u00e1n tr\u1ef1c ti\u1ebfp \u0111\u00e3 b\u1eaft \u0111\u1ea7u xu\u1ea5t hi\u1ec7n \u1edf th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh. Trong \u0111\u00f3, c\u00e1c n\u1ec1n t\u1ea3ng c\u1ed1 v\u1ea5n ch\u00ednh l\u00e0 robo \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng c\u00e1c thu\u1eadt to\u00e1n \u0111\u1ec3 g\u00f3p ph\u1ea7n x\u00e2y d\u1ef1ng v\u00e0 qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0. C\u00e1c robo advisor n\u00e0y kh\u00f4ng ng\u1eebng ph\u00e1t tri\u1ec3n v\u00e0 c\u1eadp nh\u1eadt c\u00e1c t\u00ednh n\u0103ng, hi\u1ec7u su\u1ea5t ho\u1ea1t \u0111\u1ed9ng. N\u00f3 \u0111\u00e3 \u0111\u1ea3m nh\u1eadn c\u00e1c nhi\u1ec7m v\u1ee5 t\u1eeb \u0111\u01a1n gi\u1ea3n cho \u0111\u1ebfn ph\u1ee9c t\u1ea1p, c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn nh\u01b0: vi\u1ec7c ph\u00e2n b\u1ed5 t\u00e0i s\u1ea3n, t\u1ef1 \u0111\u1ed9ng l\u1eadp danh m\u1ee5c, t\u1ef1 \u0111\u1ed9ng qu\u1ea3n l\u00fd th\u1ef1c hi\u1ec7n t\u00e1i c\u00e2n b\u1eb1ng danh m\u1ee5c, hay l\u1ef1a ch\u1ecdn ch\u1ee9ng kho\u00e1n, gi\u1ea3m h\u00f3a \u0111\u01a1n thu\u1ebf v\u00e0 khai th\u00e1c l\u1ed7 thu\u1ebf,&#8230;<\/p>\r\n\r\n\r\n\r\n<p>M\u1ed9t trong nh\u1eefng \u0111\u1ed5i ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a Fintech ch\u00ednh l\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c \u1ee9ng d\u1ee5ng giao d\u1ecbch ch\u1ee9ng kho\u00e1n. Thay th\u1ebf cho vi\u1ec7c ph\u1ea3i \u0111\u1ebfn tr\u1ef1c ti\u1ebfp m\u1ed9t s\u00e0n giao d\u1ecbch ch\u1ee9ng kho\u00e1n n\u00e0o \u0111\u00f3, th\u00ec c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 gi\u1edd \u0111\u00e2y c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng mua v\u00e0 b\u00e1n c\u1ed5 phi\u1ebfu ch\u1ec9 v\u1edbi m\u1ed9t c\u00fa nh\u1ea5p chu\u1ed9t hay ch\u1ea1m tay tr\u00ean thi\u1ebft b\u1ecb di \u0111\u1ed9ng th\u00f4ng minh c\u1ee7a m\u00ecnh.\u00a0<\/p>\r\n\r\n\r\n\r\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ung_dung_vao_viec_lap_ngan_sach\"><\/span><strong><em>\u1ee8ng d\u1ee5ng v\u00e0o vi\u1ec7c l\u1eadp ng\u00e2n s\u00e1ch<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\r\n\r\n\r\n\r\n<p>L\u00e0 m\u1ed9t \u1ee9ng d\u1ee5ng v\u00f4 c\u00f9ng \u0111\u01b0\u1ee3c y\u00eau th\u00edch trong vi\u1ec7c gi\u00fap ng\u01b0\u1eddi ti\u00eau d\u00f9ng l\u1eadp ng\u00e2n s\u00e1ch. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a Fintech trong n\u0103m 2019 v\u1eeba qua.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Thay v\u00ec, ng\u01b0\u1eddi ti\u00eau d\u00f9ng ph\u1ea3i \u0111\u1eb7t ra m\u1ed9t ng\u00e2n s\u00e1ch ri\u00eang r\u1ed3i follow t\u00ednh to\u00e1n theo \u0111\u1ec3 ki\u1ec3m so\u00e1t ch\u00ednh c\u1ee7a m\u00ecnh. Fintech \u0111\u00e3 gi\u00fap ng\u01b0\u1eddi ti\u00eau d\u00f9ng d\u1ec5 d\u00e0ng theo d\u00f5i thu nh\u1eadp v\u00e0 d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n thu chi c\u1ee7a m\u00ecnh, th\u00f4ng qua vi\u1ec7c th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c \u1ee9ng d\u1ee5ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/p>\r\n\r\n\r\n\r\n<div class=\"wp-block-image\">\r\n<figure class=\"aligncenter is-resized\"><img decoding=\"async\" class=\"wp-image-4979\" src=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/\u1ee8ng-d\u1ee5ng-v\u00e0o-vi\u1ec7c-l\u1eadp-ng\u00e2n-s\u00e1ch-c\u1ee7a-fintech.jpg\" alt=\"\u1ee8ng d\u1ee5ng v\u00e0o vi\u1ec7c l\u1eadp ng\u00e2n s\u00e1ch c\u1ee7a fintech\" width=\"586\" height=\"348\" srcset=\"https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/\u1ee8ng-d\u1ee5ng-v\u00e0o-vi\u1ec7c-l\u1eadp-ng\u00e2n-s\u00e1ch-c\u1ee7a-fintech.jpg 512w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/\u1ee8ng-d\u1ee5ng-v\u00e0o-vi\u1ec7c-l\u1eadp-ng\u00e2n-s\u00e1ch-c\u1ee7a-fintech-150x89.jpg 150w, https:\/\/www.fiahub.com\/blog\/wp-content\/uploads\/2020\/11\/\u1ee8ng-d\u1ee5ng-v\u00e0o-vi\u1ec7c-l\u1eadp-ng\u00e2n-s\u00e1ch-c\u1ee7a-fintech-300x178.jpg 300w\" sizes=\"(max-width: 586px) 100vw, 586px\" \/><\/figure>\r\n<\/div>\r\n\r\n\r\n\r\n<p style=\"text-align: center;\"><em> V\u00f4 c\u00f9ng \u0111\u01b0\u1ee3c y\u00eau th\u00edch trong vi\u1ec7c gi\u00fap ng\u01b0\u1eddi d\u00f9ng l\u1eadp ng\u00e2n s\u00e1ch <\/em><\/p>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><strong>K\u1ebft lu\u1eadn<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\r\n\r\n\r\n\r\n<p>L\u0129nh v\u1ef1c n\u00e0o c\u0169ng t\u1ed3n t\u1ea1i r\u1ee7i ro c\u1ee7a n\u00f3, v\u00e0 t\u1ea5t nhi\u00ean Fintech c\u0169ng v\u1eady. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf th\u00ec m\u1ee9c r\u1ee7i ro n\u00e0y l\u00e0 kh\u00f4ng \u0111\u00e1ng k\u1ec3. M\u00e0 thay v\u00e0o \u0111\u00f3, c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh Fintech v\u1eabn l\u00e0 l\u0129nh v\u1ef1c \u0111ang ph\u00e1t tri\u1ec3n m\u1ed9t c\u00e1ch m\u1ea1nh m\u1ebd. V\u1edbi nh\u1eefng h\u1ee9a h\u1eb9n s\u1ebd kh\u00f4ng ng\u1eebng ph\u00e1t tri\u1ec3n v\u00e0 mang \u0111\u1ebfn s\u1ef1 ti\u1ec7n l\u1ee3i cho ng\u01b0\u1eddi d\u00f9ng trong t\u01b0\u01a1ng lai.\u00a0<\/p>\r\n\r\n\r\n","protected":false},"excerpt":{"rendered":"<p>Fintech \u0111\u01b0\u1ee3c xem nh\u01b0 m\u1ed9t ch\u1ee7 \u0111\u1ec1 n\u1ed5i b\u1eadt trong th\u1eddi gian g\u1ea7n \u0111\u00e2y. \u0110\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi d\u00e2n IT hay nh\u1eefng ng\u01b0\u1eddi c\u00f3 s\u1ef1 quan t\u00e2m \u0111\u1eb7c bi\u1ec7t \u0111\u1ebfn c\u00f4ng ngh\u1ec7, \u0111\u00e2y s\u1ebd l\u00e0 v\u1ea5n \u0111\u1ec1 t\u00e1n g\u1eabu th\u00fa v\u1ecb c\u1ee7a h\u1ecd. V\u1eadu Fintech l\u00e0 g\u00ec? \u0110\u1ec3\u00a0 t\u00ecm hi\u1ec3u c\u1ee5 th\u1ec3 h\u01a1n v\u1ec1<\/p>\n","protected":false},"author":24,"featured_media":4977,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_theme","format":"standard","meta":{"footnotes":""},"categories":[21849],"tags":[5244,10308,10310,10311,10309],"class_list":{"0":"post-4971","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-phan-tich-nhan-dinh","8":"tag-fintech","9":"tag-fintech-la-gi","10":"tag-nen-tang-huy-dong-von-tu-cong-dong","11":"tag-thanh-toan-di-dong","12":"tag-ung-dung-cua-fintech"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.0 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Fintech l\u00e0 g\u00ec? \u1ee8ng d\u1ee5ng c\u1ee7a Fintech - Fiahub<\/title>\n<meta name=\"description\" content=\"Fintech l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p gi\u1eef Finance t\u00e0i ch\u00ednh ti\u1ec1n t\u1ec7 v\u00e0 Technology c\u00f4ng ngh\u1ec7. 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