PHÂN TÍCH THỰC TRẠNG và GIẢI PHÁP ỨNG DỤNG CÔNG NGHỆ THÔNG THÔNG TIN tại NGÂN HÀNG HDBANK e

PHÂN TÍCH THỰC TRẠNG VÀ GIẢI PHÁP ỨNG DỤNG CƠNG NGHỆ THÔNG THÔNG TIN TẠI NGÂN HÀNG HDBANK OVERVIEW OF THE DEVELOPMENT BANK HO CHI MINH (HDBANK) History and development Established: HD Bank was established on 04.01.1990, is one of the first commercial banks in the country with an initial capital of billions By the end of 2011, HD Bank has achieved a charter capital of VND 3,000 billion Development Strategy: Trends in integration of Vietnam's banking and financial sector development and global economic integration, HD Bank has successfully implemented Phase (2009 - 2010) the restructuring of the project (2009 - 2012)with a goal to build HDBank into a retail bank, versatile access to the international standards in management; Financial Capacity; Development of modern technologies; Building and strong human resource development professional; Provide diversified product package with high quality to meet the satisfaction of every customer In parallel with the construction of retail banking, HD Bank initial construction investment banking model to maximize business performance capital Network activities: Until 12/2011 HDBank 130 outlets across the country, available in most of the country's major economic centers such as Ho Chi Minh City, Hanoi Capital , Da Nang, Hoi An, Binh Duong, Can Tho, Long An, Vung Tau, Dong Nai , Nghe An, An Giang, Hai Phong, Bac Ninh Dak Lak Legal compliance: The whole operation of HDBank are made uniform by the Terms the Regulation of HD Bank, strict compliance with the provisions of law HD Bank fully meet the criteria for rapid growth, health and sustainability of a joint-stock commercial banks The typical awards: Merit from the Prime Minister National Quality Award awarded by the Prime Minister Best bank savings Vietnam 2012 Top 500 largest enterprises in Vietnam Vietnam Excellent Brand Award Top 100 companies pay corporate income tax in Vietnam Top 200 fastest growing businesses As the development community awards Sustainable Brand Award 10 Global Payment Management Award (awarded by Citigroup) 11 Quality Award editing standards settlements (by Wells Fargo Bank, NA awarded) 12 Pay international excellence award (awarded by Citibank) 13 Emulation Flag excellent strong trade union organization 14 Vision Awards Annual Report 2010 by the Association of American Communications Professionals (LACP League of American Communications Professionals -) 15 Best cash management services Philippines awarded by Asiamoney Magazine 16 Emulation Flag Unit led movement Vision, mission, core values Vision: Becoming effective financial corporations leading in Vietnam, having an international network and being a brand that Vietnamese customers use regularly Mission: Providing a full range of financial products and services perfectly in accordance with international standards, to best meet the diverse needs of customers Core values: - Customer focus; safe operation, focusing on efficiency, clarity and transparency - Human excellence and continuous efforts - Cooperation with development partners - Share responsibility with the community and society Corporate culture: One of the factors contributing to the success of HD Bank all the way over 20 years is the human factor HDBank is proud of making efforts to build a professional working environment, friendly ties between the leadership and the entire staffs with the "human factor" is central to development All activities are geared for clients with dedication and professional service, maintaining professional ethics, the highest yield benefits for customers, shareholders and employees Always learning and desiring to lead Always creating a cordial and direction of the community to share the responsibility Organization Chart HDBank IMPLEMENTATION “CORE BANKING”- SOLUTIONS FOR BANKING INFORMATION SYSTEM About the bank information systems (core banking): Prior to the application of more modern technology in e-commerce transactions, the concept of core banking (core banking) is still relatively new to many people Core Banking can be understood core banking (core banking) system is a basic business modules such as bank deposits, loans, customer Through this, banks develope more services, products and strict internal management more efficiently In essence, this is the software system integrated IT applications in information management, asset trading, risk management in the banking system Characteristics, core banking system kernel is the entire information of a banking system System information here includes information on mortgage, property, transactions, documents, accounting records, computer data and information systems (core banking) All transactions are routed through the core banking system and in a very short period of time remain active and process information during operations, or we can tell that Core Banking is to set the system centralized data anywhere, or at any time Database of banks focus on relationship management and modular: deposit, international payments, transfer funds, trade finance, lending, appraisal, funding, Internet Banking, etc In order to upgrade information technology systems of the bank,we can change the module in banking or change software solutions Core banking systems operate continuously (24x7) to provide Internet banking, global trading operations through ATM, Internet, phone and debit card Being able to further define the parameters for creating new products instead of modifying directly into program code, and many other functions depending on the type of core banking systems as well as the adjustment of bank development Analysis “SWOT” (related to IT, file systems, e-commerce) Advantages of banking information system “Core banking” makes greater information security, accounts accounting books and documents more conveniently The benefits of a modern core banking expressing in mining products and services in terms of quantity and quality It can be seen that the new software also contains a very large parameter and it makes easier for all banks which want to develop a services and products, they just need to define the parameters that can create new products without having to edit straight into the code of the program T24 system can automate the work schedule, recovery requirements of the customers, can make up to 1,000 transactions / second, managing up to 50 million customer accounts and transaction support through the system 24 hours a day Thanks to core banking, internal management is stricter and more efficient In the past, when banks not have a modern core or core outdated, customer management is scattered and extremely inconvenient for customers Deposits where, to go there, not be drawn in the transaction, although the points are in the same banking system Even customers want to trade in many points, they have to open so many accounts With the modern core banking, customers only need a single code at the bank is able to deal with a lot of products, and at any point in the same transaction or in the same system In particular, the utility of core banking is able to better risk management as helping banks market risk management, credit risk management, liquidity and operational to various management levels Besides, thanks to the superiority of centralized of Core banking which can improve the management of customer accounts and providing customer service Difficulties in implementing core banking A modern core banking to meet the strict management, complete, fast operation and meet the "open" when the Bank wants to implement a number of other services (Mobile Banking, Internet Banking, ATM ) so in addition to require a large amount of capital investment to implement Core Banking, there are many other factors in the deployment of modern information technology systems New core banking system to meet the regular requirements of the State Bank Business process from state-owned banks to commercial banks is incompatible with the core banking system of the bank sometimes For example, when classifying accounts, we classified according to the money or the kind of aggregate For foreign account system, it is multi-currency and only one account can be applied to many different currencies, but in Vietnam, the system account, report forms often change and the core banking abroad is difficult to meet In Vietnam, we have a habit of using cash very popularly, and the infrastructure is not good, even though the banks are eager to develop products and services but they face numerous difficulties When using the new information system, this is always associated with the "new" bank, to reform the entire operation from the organization, training, workflow, and it is really difficult process, tired fatigue To maximize the features and effectiveness of the technology in each bank directors, departments, employees have to change habits, workflow, product strategy and vision services The implementation of Core Banking depends heavily on capital and human resource experience and team of each bank Biggest competitive challenge of HDBank when integration is the quality of service Compared with the international banks, HDBank can provide equivalent services as Telephonebanking, Internetbanking But the issue of service quality management system is not simple HD Bank currently has banking services technology applications But it is not considered satisfactory to sustain and maintain well On the other hand, most systems in HDBank now only stop at the point that if they have the problem, they will fixed While the important requirements for the system is that administrator should warned before the incident Therefore, HDBank needs assessment tools, statistics regularly Core banking requires both network synchronization, security and other applications, but at present it has only partial synchronization, which can not meet the needs of centralized administration Although it has the architecture, branch network, network service providers, wide area network, local area network, core banking, security, but lack of an overall design APPLICATION OF INFORMATION TECHNOLOGY IN BANKING HDBANK HD Bank is one of the few investment banks have adequate Data Center and Backup Site by international standards HDBank have invested hundreds of billions dong to deploy core banking technology systems Core Banking (Symbols) according to international standards On Core Banking platform of modern information technology, systems HDBank focused on development to support the best service for customers Therefore, the process is monitored and updated to meet the standards of information security such as: equipped firewall, modern anti-attack system In particularly, the system of e-commerce transactions are always offers leading security requirements for the two-layer authentication, which uses the RSA algorithm to encrypt login and password Authentication with valid for a period of time (OTP) In addition, the application of information technology at HD Bank has given customers a different experience by investing early development and successful deployment of advanced technology products, modern such as: Bank products electronic device on SIM Toolkit, USSD, mBanking products can be run on most mobile devices These are the factors that contribute to the success of information technology systems HDBank now and in the future With this breakthrough, HD Bank has made a solid premise to serve Retail Banking strategy and becomes modern and versatile In the near future, HD Bank will continue to promote technological applications in the banking system activity, complete intelligent interactive channels with customers to create superior products and services, integration with the level of development of information technology in the country and the world Selecting at Core Banking at HDBank is software Symbol: Bank HDBank developed Symbol system in 2007, so far the banking system has helped to manage resources effectively The system provides valuable support system for international payment operations, the development of modern banking, payment card issuing domestic and international, opening Internet Banking services, homebanking Core banking solution could not be achieved at the international level so HDBank had to navigate to the external solution Though external solution hasn’t demanded, satisfied basic banking requirements, formal and consistent integration, HDBank choose to deploy its system software Symbols SunGard System Access - multinational corporation specializing in providing software solutions for banks (based in Singapore) Symbols of the multi-bank solutions of SunGard, provides wholesale banking, retail, commercial capital and management support to handle online transactions Time deployment: HDBank develops a software system implementation across Symbol in months Human resources for the project: 50 project team participants, including 35 experts the HDBank and 15 SunGard side of So far the Core Banking System at HD Bank has operated effectively to provide the best banking services to customers SOLUTIONS APPLICATIONS INFORMATION TECHNOLOGY The application IT in HDBank must be made on the basis of standard technology, regular upgrades, updates to enhance the safety and security of the system in parallel with the establishment of a mechanism for flexible provision Specifically: - To build a database system (with software to support business operations, management), ensuring operational procedures throughout the whole system Improve the quality of corporate governance, reduce the risk of business risks and support the decision quickly and accurately; - Implementation of Core Banking system and application development, expansion of products and services, control of operational safety and improve business performance; - Continuing investment, improve the IT system for the development of modern electronic banking services (professional domestic and international payments, etc.); - To improve the system of specialized management software (Customer Relationship Management software CRM, Software Risk Management Risk Management ; - Construction of modern IT systems, complying with international standards, create competitive advantage through the competition with technology - which focused on implementing the system utility serving customers such as: Building Engineering Customer Contact Center; integrated information portal e-services on the Internet (via the Website of each unit) ; switches Improving the processing power of the network LAN, WAN, circuit ; upgraded security system, security high ; - Develop and foster professional IT staff, have a high professional level, to meet the needs of operational management and mastery of modern technology systems Focusing on improving training, survey of modern technology in the country, the implementation of remuneration BUILDING STRATEGIC INFORMATION SYSTEM HDBank concentrates capital - human and technical research or international consultants to identify priority areas in the modernization of technological infrastructure to expand access to key services bank HDBank identifies targets in the next 10 years is to develop electronic banking system as the core of the development of retail banking activities with outstanding products, saving time, costs, resources, and distance geography Accordingly, HDBank will also gradually established, the links of research with advanced banks in developing countries to focus research and development, upgrading of products and services-oriented position on the internal market proceed to develop to new international markets a commercial presence HDBank HDBANK determined that information technology will become a powerful tool in the management of banks operating by building a modern information technology systems, thereby contributing to the development of products and services, improve customer service HDBank will gradually upgrade hardware as well as transmission lines with high and stable level Besides, the bank will also apply more than the use of the software which can detect and prevent attacks from outside (such as anti-virus, anti-spyware, Web filtering, deep inspection, vpn .) to ensure high security features for banking technology products and services 10 Clearly, technology is a major factor in creating a solid foundation to help Vietnam banks survive in the increasingly fierce competition through improving competitiveness, expanding access products and services to customers thereby increasing the market share of banks In the context of world economic integration, an advanced technology will enable banks to more sustainable development through diversification of services, maximize benefits, build competitive advantage separate competition, continues to come up with other countries in the region 11 ... the point that if they have the problem, they will fixed While the important requirements for the system is that administrator should warned before the incident Therefore, HDBank needs assessment... investment to implement Core Banking, there are many other factors in the deployment of modern information technology systems New core banking system to meet the regular requirements of the State... strategy and vision services The implementation of Core Banking depends heavily on capital and human resource experience and team of each bank Biggest competitive challenge of HDBank when integration