Tài liệu tham khảo: E-Payment in Vietnam
LOGO www.themegallery.com E-Payment in Vietnam E-Payment in Vietnam Tutor: Ms. Mai Yen Nhi Group: Nguyen Thi Lan Anh Nguyen Thi Huyen Nguyen Thi Thuy To Thi Quynh Trang www.themegall ery.com LOGO Contents Opportunities for e-payment in Vn 2 Nganluong.vn 4 General info 31 Challenges for e-payment in Vn 33 Recommendations 5 www.themegall ery.com LOGO General information General information E-payment: Transfer $ from the buyers to the sellers through electric technology One part of e-commerce In VN: E-commerce: 27.4% (2009) E-payment: 3.2% (of 27.4% ), 96.8% of cash payment Only 21% know about credit cards, 8% knew about the debit card and 91% know about the ATM card > 20 million Internet users in Vietnam, only 20% have debit cards and 1% have credit cards E-PAYMENT WILL DEVELOP IN VIETNAM? www.themegall ery.com LOGO Opportunities Number of internet users increase 2003: 4% of population (3.1mil) 2009: 26% of population (22.5mil) www.themegall ery.com LOGO Opportunities Increase in buying and selling online Number of commerce websites increase • 2005: 200,000 websites • 2009:>500,000 websites Government policy: restrict cash pmt Prevent the money laundering Avoid the inflation www.themegall ery.com LOGO Challenges Payment habits of Vietnamese customers Prefer cash payment Lack of trust in online payment Low E-transaction security Limited E-payment systems Incomplete law system of E-payment (Tax calculation) Lack of technology & expertise Social environment and business practices are not compatible www.themegall ery.com LOGO HOW E-PAYMENT WORK IN VIETNAM? www.themegall ery.com LOGO E-payment providers Nganluong.vn OnePAY DongAbank, Vietcombank … F@st MobiPay MobiVi Payoo VnMart NetCASH – PayNet www.themegall ery.com LOGO Nganluong.vn One of the leading products of the Peace Soft Send & receive $ on Internet with safety, convenience, protection and dissemination Allow abroad transaction with 39 foreign countries through eBay.vn www.themegall ery.com LOGO How nganluong.vn work Nganluong.vn works such as electronic wallet Each user owns a registered account for individual or business category Such accounts are linked to a bank account Buyers deposit $ Sellers withdraw $ [...]... Compensation insurance for buyers in nganluong.vn incase of financial loss www.themegall LOGO Recommendations For the website: Investigate rate the truthfulness of sellers Allow the buyers to rate sellers’ reliability Have software to protect buyers’ credit card number and personal information For the government: Allow the companies to open bank accounts in foreign countries Allow the information... Dominant mode of transaction Payments will be frozen The system will automatically transfer $ to seller within 7 days "Immediate payment“ Sellers you trust Sellers who are verified by Nganluong.vn as "the guaranteed sellers” www.themegall LOGO Benefits when using nganluong.vn Publicized procedures & conditions of handling complaints Obligations and responsibilities of buyers and sellers in. .. companies to open bank accounts in foreign countries Allow the information encryption secure the information www.themegall LOGO References 2007, “Các website thương mại điện tử hàng đầu Việt Nam” Available at URL: http://vietbao.vn/Vi-tinh-Vien-thong (Accessed on September 14th, 2010) 2010, Vietnam NetCitizens Report” Available at URL: http://www.cimigo.vn/en-US/ReportDetail.aspx?ProductId=3... trực tuyến qua NgânLượng.vn ” Available at URL: http://chodientu.vn/blog-bv-182-2 (Accessed on September 14th, 2010) 2007, “Chính phủ muốn hạn chế dùng tiền mặt” Available at URL: http://vietbao.vn/Kinh-te (Accessed on September 14th, 2010) www.themegall LOGO www.themegallery.com LOGO Q&A . LOGO www.themegallery.com E-Payment in Vietnam E-Payment in Vietnam Tutor: Ms. Mai Yen Nhi Group: Nguyen Thi Lan Anh Nguyen. for e-payment in Vn 2 Nganluong.vn 4 General info 31 Challenges for e-payment in Vn 33 Recommendations 5 www.themegall ery.com LOGO General information