TAP CHI CONG mifdNe SMALL GIVING - MOT GIAI PHAP MCfl TRONG PHAT TRIEN MO HINH THIEN NGUYEN VI CONG DONG • C H U V A N HUY - N G U Y E N THI PHAN - V U THI P H U O N G - HA M I N H TU - N G U Y I N THANH D U d N G - BUI M I N H THU TOM TAT: Hien mo hinh hoai dong cua nhieu doanh nghiep (DN) da co si/ djch chuyen manh me irirde lac dgng cua cuoe each mang cong nghiep lan ibiJ Khong chi difng lai cl ITnh vUe kinh doanh cac u'ng dung cong nghe phat trien mo hinh thien nguyen trdc luyen dang la xu hu'dng ciia nhieu id chu'c M o binh niiy giiip giai quye'l du'de nhu'ng riio can ve tinh minh bach, lu'c thfli, hen tuc so vdi cac mo hinh thien nguyen iruyen iho'ng Khai thdc van de V i thien nguyen tn/c tuye'n Small Giving la thiTc nghiem ve mpt mo hinh thien nguven mdi me du'de phat trien iai phong Lab Chuye'n doi so'cua Hpc vien Ngan hang Bai baose tap trung trinh bay: (1) boi canh (21 de xua't y tu'cing (3) thie'l ke kie'n tnic tong the be thong va (4) mot so'ke't quii thiTc hien lien quan idi giai phap y nghTa Tff khoa: M o hinh ihien nguyen, Chuyen doi so Small Giving, Way4Platform D a i va'nde Hien na\' cac hinh ihifc ihanh loan dien lu'lnhu' loan qua lhe tin dung, the ghi nd toan qua \ i dien tif chuyen kboan ) rai phal trien tai Viet Nam va the gidi Nhd mot loai cac nhu cau phd bien nhif mua ban toan da du'de thifc hicn mpt nhieu qua moi irifdng tri/c UiNcn \'a tLf thien trifc tuven khong nam ngoai xu the dd Hoal dong du'de trien khai mot hieu qua nh6 u'ng dung cac cong nghe tien tie'n Tren the gidi hoal dong quyen gdp tif thien inic tuye'n cua cac id chu'c phi ldi nhuan iQng 239c so' hfdng giao dich thong qua thici bi di dpng tang SOrf nam 2017 iNPSiuirce 2018) 6\9c nha tai Ird ifu tien lu'a chon hinh thii'e tif thien tnfc tuye'n - nhieu gap lan c i c hinh ihiJc lif thien khac nhif tif thien tai cdquan hay iif thien tai nhu'ng dia diem dien sif kien ga> qu\ (SleelKiwi Inc 201 8) Tai \*iel N.ini ngu'di dan iiga\ cang cd xu hu'dng thifc hien hoal ddng tif thien qua moi tru'dng mang 286 So 9-Thang 5/2020 Internet so vdi cac nu'dc irong khu vifc Theo kh, sat eua Mastercard ve chi lieu cd y t h f c vii ho dpng tCf ihien Viet Nam ba't ngd dSn dau khu v Chau A - Thai Binh Du'dng vdi 78,5'/f so ngU difde hoi dong y tham gia tif ihJen trife luye'n, th( sau la Thai Lan (~66'/r) va Hong Kong (-60^ (Minh Thi, 2017) Ve each thu'c thifc hien lif thien iri/c tuyc hifdng trien khai phd bie'n la hinh thu'c iff ihien phiit thdng qua cac bai vie't van dpng keu goi n le khong rd nguon gd'c tren cac trang mang xa h Chinh dieu da gay nhij'ng he luy phiJc I (mao danh, bia dat de lira dao ldi dung long tin, true ldi ca nhan ) Ben canh dd m o i sd ciie chu'c thien nguyen uy lin cung tien hanh cho n cac phun mem ffng dung, he sinh thiii thi nguyen khac nhff: chay bo de gay quy tff d dung Charity Miles (Cam Linh, 2016) xem lin t de gay quy tff irinh d u \ e t Donate Browser: g quy bang each tra ldi khao sai iff ti-ng du TAI CBJNR-NGAN HANG-BAO NIEM Gi\e2Chunt> (Cam Linh 2016) Happi (Gio yeu thuong 2018) \ e m quang cao de gay quy tff ffng dung Whaa.life Lalas (Hung Nguyen, 2019): nuoi heo da't thffc hien quyen gdp d V i dien tff Momo (Momo 2019) gay quy thdng qua cdc giao dich hoiin lien d V i dien iff V i n I D ( V i n I D , 2019),, Nhff\;i) cd the Iha'y, ffng dung cdng nghe nhSm tha; ddi md hinh thien nguyen truyen ihd'ng dang nhan dffdc sff quan tain cua rat nhieu td chffc, cgng d6ng thien nguyen Viec de xua't nhffng mo hinh ihien nguyen sang tao ed y nghTa quan trong thifc hien chu trifdng an sinh xa hoi, de khdng bi bo lai phia sau De xuS't y tffdng Tiep can va khai thac chu de difdi gdc tie'p thu v;i cai tiS'n cac san pham eung ITnh VI/C Small Giving la V i thien nguyen trffc tuye'n difdc \d> dffng vdi muc dich trien khai cac hoal dgng thien nguyen tai Hpc vien Ngan hang (ho trd cdc hoan eanh sinh vien giip nhieu khd khan, thffc hien cdc chie'n dich thien nguyen vl cdng ddng, ) Trong dd Doan Thanh nien va Hpi sinh vien Hoc vicn Ngan hang se lii td chffc van hanh/quan tn he Ihdng; eac nhii hao tam tham gia cac hoat dong thien nguyen lii cpng ddng sinh vien, can bp, giang vien Nha trffdng va eac nha tai trd Trien khai y tffdng tren, he thd'ng V i thien nj;u\en Small Giving se dffdc khuye'n khich sff dung tai Hpc vien Ngan hang Cac nba hiio lam Iham gia he thd'ng iing ho kinh phi bang each chuyen khoan tdi tai khoan cua Doan Thanh men va Hpi smh vicMi, V d i so'tien nliy, nha hao lam cd quyC'n irich nhd (Small) de quye't dinh quyen gdp trao lang sd'tien nhd dd (Giving) cho cac hoat dpng thifn nguyen ma minh quan tiim thdng qua mdt so thao uie ddn gian nhanh chdng Ngoai ra, sd' tien Ihu dffde iff cac nha tai trd (cd nhu cau quang cJo hay mud'n thu thap y kie'n khao sat tren V i ihien nguyen Small Giving) se dffdc phan ehia cho cac nha hao tam (thffc hien diem danh ffng dung hang trd Idi khao sat ) dung de ung ho quyen gdp cho cdc hoat dpng thien nguyen Cd the Ihiiy rang, V i thien nguyen Small Giving da de \ua'i dffdc mdl md hinh thien nguyen mdi me vdi each thffc tao ngudn kinh phi n h i m iing hp da dang (ngoai viec iing ho bdng tien nha hao tSm cd the cd kinh phi thffc hien thien nguyen thong qua \ iec diem danh ffng dung h a n g n g ; i \ tra ldi khao sat tff cdc nha lai trd ) Ben canh dd cdc nba hao tam cd the dang k\' tham gia trffe tiep budi thffc hien chffdng trinh thien nguyen ma minh quan lam qua tinh nang "dang ky gdp sffc" V l thien nguyen Small Giving ciing giai quye't dffdc \ i i n de cdng khai minh baeh tai chinh irong boat ddng gay quy quan ly qu\ thien nguyen (mdi chffdng trinh thien nguyen dffpc dang tai deu can dinh kem cbi phi dff kien sd tien quyen gdp da nhan va sd' ngndi tham gia qu>en gdp dong thdi cdng khai qua trinh thffc hien tren muc lin iffc eua ffng dyng) nhd viec lich hdp nen iang Way4Platrorm' Way4PIatform la mot he thdng core todn dffde phal trien bdi tap doan OpenWay dffdc Gartner vii Ovum- xe'p hang la giai phap hang dau ITnh vu'cphanmem loan ffen loan the gidi, dang ap dung tai nhieu ngan hang thu'dng mai hang dau nhff: VP Bank SeA Bank M B Bank Maritime Bank, Nam A Bank ACB Neu men khai y tu'dng tren cdng, V i ihien nguyen Small Giving se giup lao mdt net viin hda mdi cdng ddng hffdng cdc nha hao tam hinh thdi quen thffc hien tff thien mot each thffdng xuyen mpi liic, mpi ndi Kie'n t r u e t d n g the \ i thi?n nguyan Small Giving De trien khai V i ihien nguyen Small Giving, ben canh viec khao sdt thffc te, de xua't y tffdng viec dinb hinh thie't ke' ve Kie'n true long the ciia he thd'ng tru'dc bat tay thffc hien lii ra'l quan irpng Hinh md ta chi tiel Kie'n iruc long the ciia V i thien nguyen Small Giving thdng qua viec Iam rd cdc: (1) Dd'i tffdng tham gia he thd'ng, (2) Cac kenh giao tie'p vdi he thd'ng (3) Kien triic ve m^t nghiep vu (4) Kie'n iriie ve mat dff lieu, (5) Kie'n triic ve Ha lang cong nghe va (6) Cdc he tho'ng khac lien quan van hanh song song (Hinh I) V i thien nguyen Small Giving dffdc thie't ke v d i nhdm dd'i tffdng chinh lien quan tdi he Ihd'ng Cu the: - Nhdm dd'i tu'dng nha hao tam bao gdm: cpng ddng sinb vien can bp giang Men va nhffng ngffdi quan tam de'n boat dpng thien nguyen tai Hpc vien Ngan hang - Nhdm dd'i tu'dng van hanb he ihdng bao gom: phu trdch cau lae bd cpng tde vien vie'l bai cpng lac vien ke' loan thupc Doan Thanh nien va Hdi Sinh vien Hpc vien Ngan hang - Nhdm do'i iffdng nha tiii trd bao gom- cac ca nhiin tap the cd nhucaudatquiingcdohay thu thap So 9-Thang 5/2020 287 TAP C l l CONS THlTdNG Hinh I: Kien ttuc tdng the Vi thien nguyen Small Giving KISN T R O C T O N G T H E vf THieN NGUVeN SMALL GIVING Ngiroi sw dnng K^Mb giao tiep Kien trnc ngkiep vv Kien tmc dir Len Nt6m>(«t I Qt^mhtiai Ha tang kS thoat cac cau tra ldi khat>sai irenffngdung Hp iham gia he thd'ng nham ihco ddi lien trinh khao sdt hoae ddnh gui sff tifdng uic cua edc nha hao tam De \'i thien ngu\cn Small Giving trd nen gan 288 So 9-Thang 5/2020 He thong van haofa song soog giil, de SlJ dung va dem lai nhffng trai nghiem t' vi cho tii't ca cdc ddi iffdng ngirdi diing nhe nghien cffu da trien khai phat irien ffng dung tr ca mdi irffdng Mobile va \S eh TAI c n - N G A N HANG BAO HIEM \ e mai nghiep vu ciia he thd'ng tffng nhdm ddi tifdng dffdc cung cap cac tinh nang phu hdp nham ihifc hien cdc nghiep vu lien quan - D6i tffdng nha hao lam: cd the xem danh sach Ihong tin chi tiet ve cac boat dpng thien nguyen dang dien ra; cd the lffa chpn thu'c hien quyen gdp nhanh cho cdc hoan canh khd khan ma minh quan tiim; cd the nap tien iing hp hoae kie'm diTdc tien iing hp bhng each thffc hien diem danh boac tra ldi khao sat theo yeu cau ciia cdc nha liii trd Ngoai nhii hao tiim cdn dffdc diing ky tham gia gdp sffc ciing thffc hien edc chu'dng trinh thien nguyen tren Ihffc te Ben canh dd, nham khuyen khieh, bieu dffdng vil vinh danh nhffng nha hao tam da cd ldng gia tri quyen gdp ldn, hp se nhan dffdc cdc huy hieu khac theo tffng mdc quyen gdp nhii'i dinh va xua't hien iren bang xe'p hang (dffde iho'ng ke theo tuan theo Ihang theo niim) - Do'i Iffdng van hiinh he thd'ng: gdm cac nghiep vu lien quan de'n nhdm dd'i Iffdng Cu the: Nhdm cpng tde vien viet bai: dffdc phan quyen thifc hien them mdi, chinh sffa vii ddng tai cdc boat dpng thien nguyen; cde lin tffc thdng bdo; cdc phieu khiio sat tie'p nhiin tff nhii lai trp Nhdm cpng tac vien ke'todn: difdc phan quyen ihifc hien cdc linh nang lien quan den thffc hien cac giao dich nap tien, khdi tao cdc quy diem danh hing ngii) Phu trdch cdc CiTu lac bd: difdc phan quyen quan ly \a gidm sat cae cdng viec ciia cpng tae vicMi \ i e i bai va ke' loan Dong thdi, du'de ca'p quyen iruy xua't cdc bao eao quan i n can thiel Trong he thd'ng viec thffc lhi edc tinh niing nghiep vu dffdc thffc hien nhd qud trinh khdi lao O ket nd'i cac Web Service, ihdng qua giao dien lap trinh ffng dung (API) Ben canh cac API difdc nhdm \ a \ dffng danh rieng cho V i thien nguyen Small Giving, cac nghiep vu lien quan de'n hoat dpng loan dffdc tich hdp vdi cac API cung alp bdi nen liing Way4Platform Hinh md ta chi tiel cac ihanh phan chinh lien quan tdi nen tang toan Way4Platform bao gdm: Way4 Transaclion Swileh (Giao dich chuyen mach) DB Server ( M a \ chu dff Heu) va Application Server lM.i\ chli ffng dung) Nhdm nghien cffu da td'i gian hoa \iee sff dung cac phan chinh ciia Way4Platform nhSm quan ly khach hang lii nhffng nha hao iam (thdng qua s d t a i khoan) \ a quiin ly ddng lien thien nguyen ciia nhii hao tam (quan !\ sd dff nap tien ehuyen tien lich sff giao djch \ a truy xua't bao cdo ciia cac tai khoan) (Hinh 2) Hinh 2: Cdc phdn chinh cua nSn todn Way4Plafform tang Ve mdi trffdng \ a n hanh he ihd'ng: V i ihien nguyen Small Giving dffdc xay difng van banh iren hai mdi tnfdng Mobile App (he dieu hanh Android va lOS) \ a \N'eb App nham hd trp td'i da trai nghiem ciia cac nhdm dd'i tffdng lien quan ldi he Ihd'ng (Hinh 3) - Ddi tu'dng nha hao tam: hp cd lhe trai nghiem he ihdng thdng qua ca mdi iru'dng Mobile App vii Web App Viec cho phep irai nghiem iren ca hai mdl iru'dng giup hp de dang thffc hien hoal ddng thien nguyen mpi liic moi ndi, tren mpi thie't bj dien tff - Dd'i tu'dng v;m hiinh he thd'ng: dffdc thie't ke td'i ffu iren mdi tru'dng Web App giiip cdc nhdm van hanh he thd'ng de dang thffc hien cac tac vu nhff dii phan tich d tren (Hinh 4) D a n h gia k e t qua thffc h i ^ n Trong vdng thang trien khai (01/2020 05/2020) V l thien nguyen Small Giving cd ban hoan ta'l eac tinh niing de tren ca hai mdi trffdng Mobile App \ a Web App (Bang 1) Qua trinh trien khai xay dffng, viec phan licb/thie'i ke'he ihddng du'de thffc hien biii ban; viec xSy dffng he thd'ng cd ban hoan tii'i 25 tinh nang diinh cbo ngffdi dilng \ a quan tr; he thd'ng, dam bao tich hdp giffa he thd'ng V i thien nguyen Small Giving va nen tang Wa>4Platform; viec kie'm thff he thd'ng (63 kich ban kiem thu') dffdc thffc hien sdm nham phat hien cdc sai sdt khdng mons mud'n cd the xav So 9-Thang 5/2020 289 TAP CHi CONG THIfOfNG Hinh 3: Giao dien danh cho nha hao tdm tren moi tnfdng Mobile App va Web App (phai) (trdi) SL'du td khoan Ddi nhOng dl4u ban ldm f ' Nhonho ^ 750000VND ^ B^9 Hinh 4: Giao dien quan ttj Vi thien nguyen Small Giving tten moi tnfdng Web App '•'•.' a l l ' Bang Tong hdp mot sd c o n g viec trien khai x a y dffng Vi thien nguyen Small Giving N$i dung thilc hi$n Thiet ke cac quy trinh nghiep vu cua Vi thien nguyen Small Giving SoiU^ng 15 Thiet ke/xay dung giao dien tren moi tnidng Mobile App 19 Thiet ke/xay dung giao dien tren mdi trudng Web App 34 Thiet ke cac bang co so dd lieu nham iuu tnj thdng tin cua Vi thien nguyen Small Giving 14 Tu phat trien cac API tren Vi thien nguyen Small Giving 26 Cau hinh/su dung cac API tren he thdng Way4Platform 10 Xay dung tinh nang danh cho ngudi ddng va quan tn he thong 25 I Viet va (hue hien kich ban kiem thu Vi thien nguyen Small Giving 63 290 So 9-Thang 5/2020 TAI CHINH-NGANHAN6-BAO HIEM Trong thdi gian ldi, h6 thd'ng Vi thien nguyen Small Gi\ing dff kien se dffdc chuyen giao cho Doan ihanh nien/Hpi sinh vien Hoe vien Ngan hiing inen khai \a van hanh Day se la giai phdp gilip trien khai nhanh chdng hoat dong thien ngu>en tai Hpc vjen Ngan hang va gan ke't cac nha iai trd KS'lIuSn Tif nhffng ke't qua dii dat dffdc, cd the danb gia vithien nguyen Small Giving lii mot san phii'm ffng dung y nghia giup thay ddi md hinh thien nguyen iruyen thdng cd tinh lan loa cao, dUdc ihffc hien b5i chinh nhdm sinh vien Hpc vien Ngan hiing dffdi sff hu'dng dan chuyen mdn ciia Khoa He thd'ng thdng tin quan ly va cac chuyen gia edng nghe ciia tap doan Openway He thd'ng dffdc ky vpng khuyen khich cdng ddng sinh vien can bd giang \ien tai Hpc vien Ngan hang ndi rieng vii cdng ddng nhffng nha hao tam ndi chung tich cffe tham gia hoat ddng ihien nguyen thffdng xuyen \ii) dffng mdt nei \iin hda tdt dep de cao cdc gid iri nhan dao \a tao dffng sff giin ket cpng ddng Ben canh dd kinh nghiem tff trien khai giai phap se lil mpt hiinh trang id't de cac ban smh vien tham gia thffc hien dff dn phat trien tie'p cac md hinh kinh doanh sang tao hien • TAI LIEli TRICH DAN: 'Moi giai phiip Core ihanh lodii diftlc phal trien bdi lap doiin Openway (tm sdiai Bi) "Cic id chu'c danh gui uy lin Iren lhe gidi IMLIEUTHAMKHAO: I.Ciim Linh (2016) Bon cich liim tif thien online khong mii'tlien"? Qud d l ' < hltps://genk.vn/lin-icl/4-cctch-lcinitii-lhien-onliiie-kliong-inal-lien-cpiciclc20l5!23l091954203.eliii> Gio\cu thuong (2018) Happi app I'fngdung ho trd gay quy lif ihien ung-diing4u>-lro-gav-qiiy-lu-lliien> Hung Nguyen (2019) Lala.s lfng dung giiy OpenWay (2019) \\';iy4 soluiions> nhQn b a i : 6/4/2020 Ngiiy phdn bi?n danh gia \a sffa chffa: 16/4/2020 Nflii.^ chfl'p nh$n dSng bai: 26/4/2020 So 9-Thong 5/2020 291 TAP Cll cone THIflllie Thdng till tde ;'/(i ThS CHU \ AN HUY Giang vien Khoa He thd'ng thong tin quan ly Hoc vien Ngan hang Giang vien hffffng dSn nhom thffc hien dff an Vi thien nguy?n Small Giving tai Phong Lab Chuyen ddi sd, Hpc vien Ngan hang N(;UVE:NTHIPH.AN VL THI PHl/ONG HA M I N H T U NGUYEN THANH D U O N G BUI M I N H THU Sinh vi&n Khoa He tho'ng thdng tin quan Iy Hpc vien NgSn hang Thanh vien nhdm thffc hien dff an \'i thien nguyan Small Giving tai Phdng Lab Chuyen ddi so', Hpc vien Ngan hang SMALL GIVING - A NEW SOLUTION IN THE DEVELOPMENT OF CHARITY MODEL FOR COMMUNITY • Moster CHU VAN HUY Lecturer, Faculty of Management Information Systems, Banking A c a d e m y of Vietnam Instructor of Small Giving charity e-wollet project ot tine Digital transformation Laboratory - Banking Academy of Vietnam • NGUYEN THI PHAN • VU THI PHUONG • HA MINHTU • NGUYEN THANH DUONG • BUI MINH THU Student, Faculty of Management Information Systems, Banking A c a d e m y of Vietnam Team members of Small Giving charity e-v^/allet project at the Digital Transformation Laboratory - Banking A c a d e m y of Vietnam ABSTRACT: Currently, the Industr}' 4.0 has made significant changes in the the operating model of many businesses Applying technology in developing online charity modeks i.s a trend that is attracting the attention of organizations and phiiantbropi.sts This is because lechnology could solve the barriers of transparency, immediacy and continuity compared with traditional charity models Small Giving charity e-wallet project is an experiment about a new charity model developed at the Digital Transfonnation Laboratory Banking Academy of Vietnam This paper focuses on pre.senting (1) the problem context (2) ideas (3) overall system architecture design and (4) some results related to this meaningful solution Ke\ words: Charit\' model, disital transformation Small Giving Way4Platform 292 So - T h a n g 5/2020 ... thffdng xuyen mpi liic, mpi ndi Kie'n t r u e t d n g the i thi?n nguyan Small Giving De trien khai V i ihien nguyen Small Giving, ben canh viec khao sdt thffc te, de xua't y tffdng viec dinb hinh... TAP C l l CONS THlTdNG Hinh I: Kien ttuc tdng the Vi thien nguyen Small Giving KISN T R O C T O N G T H E vf THieN NGUVeN SMALL GIVING Ngiroi sw dnng K^Mb giao tiep Kien trnc ngkiep vv Kien tmc... dien quan ttj Vi thien nguyen Small Giving tten moi tnfdng Web App '•'•.' a l l ' Bang Tong hdp mot sd c o n g viec trien khai x a y dffng Vi thien nguyen Small Giving N$i dung thilc hi$n Thiet