Ứng dụng công nghệ thông tin và thương mại điện tử nhằm nâng cao hiệu quả sản xuất kinh doanh và quản lý tại ngân hàng bidv e

Ứng dụng Công nghệ thông tin Thương mại điện tử nhằm nâng cao hiệu Sản xuất Kinh doanh Quản lý Ngân hàng - Content: Planning to apply enhanced overall Information Technology and Electronic Commerce to improve production/business efficiency and Management efficiency at Bank for Investment and Development of Vietnam (BIDV) Table of Contents Table of Contents Introduce .2 Introduction the Firm .2 Status of applied information technology in BIDV 2.1 Awareness 2.2 On the basis of the information technology infrastructure 2.3 Human resources 2.4 Regarding the solutions and program applications: Business environment and competitiveness climate .5 3.1 Business Environment .5 3.2 Competitiveness 3.3 SWOT analysis An experience from other banks application BIDV business strategy 10 5.1 Business Strategy 10 5.2 Strategy for ICT and e-commerce applications 10 The application IT solutions in the banking sector .11 7.1 Application ERP program for internal governance 11 7.2 Upgrade and deploy the applications and support for ERP systems .12 7.3 Upgrading the e-commerce applications 12 7.4 Synchronizing data 13 Implementation plan .13 8.1 Human resources 13 8.2 Step and timeline to implementation .13 8.3 The Budget 14 Summury 15 Reference 16 Introduce In the fiercely competitive business environment now, especially in the finance and banking field, applied information technology in business management and business operations are increasingly important role To meet the requirements of business development, improve manage and business efficiency in a new stage in strategic business which leaders have proposed, we formed the group "Master Plan for enhanced application the Information Technology and Electronic Commerce to improve production/business efficiency Management efficiency" The contents of the plan are outlined below Introduction the Firm Bank for Investment and Development of Vietnam (BIDV) was established on Apr 26, 1957 and is the oldest commercial bank in Vietnam In 2011, BIDV is successful in IPO, become joint stock commercial banks and become one of three largest commercial banks in Vietnam based on total assets, with 500 branchs in network systems, ATM / POS system throughout the nation, the total employee’s number over 16,000 people - Full Name: Bank for Investment and Development of Vietnam (BIDV) - Address: BIDV Tower, 35 Hang Voi, Hoan Kiem District, Ha Noi - Phone: 04.2220.5544 Fax: 04 2220.0399 - Website: http://www.bidv.com.vn Email: Info@bidv.com.vn - Business scope: currently, BIDV work on main business field: banking, insurance, securities and financial investments - Customers: with products and service system which diversified to meet most of the demand and the type of transaction in financing and banking activities, BIDV is serving three primary customer groups: + Business customers: have the largest enterprise customers in the credit institutions system in Vietnam, including large corporations, group, small and medium enterprises + Individual customers: individual clients include individuals and families customer, with the number is more than million customers + Financial institutions and other organizations: BIDV serving institutions such as World Bank, ADB, JBIC, NIB , the non business in national organizations such as: Treasury, General Taxation Department, General Customs, Social Security - Application of information technology: always apply innovation technology Status of applied information technology in BIDV BIDV always more interested in the application of information technology to serve the executive management and development advanced banking services BIDV has made certain achievements, is the recognition of the credit institutions system and information technology organizations, example: Continuous from 2007 to present, BIDV keep the leading position in Vietnam ICT Index and represents top 10 of CIO in IndoChina region 2009 and Southeast Asia in 2010 Specifically, the status of information technology BIDV as follows: 2.1 Awareness BIDV Leadership always interested and close guidance in the application of IT operations in business management, making IT applications deployed extensive and uniform to each branch, the network and the employees 2.2 On the basis of the information technology infrastructure BIDV has built data center, equipped AS400 server systems, storage systems, communication networks Computer systems and equipment technologies related to business operations are fully equipped Especially, BIDV has developed redundant data center to ensure maximum safety security data and ensure operation system continuous The current IT infrastructure is considered uniform, and adequate to meet the expanding demand of applications in the next stage The rules, procedures and guidance related to IT such as operating procedures IT equipment, mining regulations, data used, privacy policies, regulations and practice guidelines ensure the safety of information…was been issued, guidec to the implementation of all relevant staff by BIDV 2.3 Human resources + Information technology human resources: Information Technology team is organized from the head office to the branch member At the Head Office which is Technology Department and Information Technology Center, main task is management, strategy, planning, development and application of IT solutions, organizations deploying IT applications across systems At the each branch member was had the Chamber, the computing team with executive functions, and coordinate the implementation of the proposed office + The using object: all bank staff are trained to ensure better exploitation of the bank application, and proficient use of computer office programs, email, internet 2.4 Regarding the solutions and program applications: BIDV applied centralized application systems and distributed programs, in particular: - System applications for banking services: + Silverlake’s Core Banking System Silverlake: its sibs the module includes banking service as cash, credit, deposits, trade finance, customer information, accountance ledgers service + Authentication customer information online system: authentication seals, signatures and authority of information on the intranet clients + Electronic payment systems: direct connection with central bank, the domestic credit institutions and international financial institutions, trading card issuance card system - The internal program management and operational software service: The internal credit ratings, internal accounting, human resource management, asset management, business metrics reporting and internal management, internal document management, classification and evaluation of effective customer… - BIDV Internal portal: activities base on intranet, BIDV Internal portal is support to internal communications service, integrating a number of transactions over a network function for staff, providing information, internal references - E - commerce application: currently, two ecommerce applications systems which is typical of the banking system and Internet Banking Mobile Banking + Mobile banking system: providing money transfer, bill payment, information retrieval products service and other services as well as customer transactions, sales of products raise capital, issue debit cards, guidance and support clients through mobile phone using the mobile service network as Viettel Mobile, Mobiphone, Vinaphone - Internet Banking System which was integrated in the Bank's Web site at http://www.bidv.com.vn BIDV Online Application provides the following services: bill payment, money transfer (internal, inter-bank), card issuing, investment term deposits, accounts information, contact feedback, support customer support … Business environment and competitiveness climate 3.1 Business Environment With a market size of 88 million people, 30% of the population live in urban areas, and about 132 billion GDP, the system of credit institutions in Vietnam is now considered to be developed very quickly, more than necessary, including 101 stateowned commercial banks, joint stock, joint venture banks, foreign banks, branches of foreign banks (excluding banks policy, development banks, finance companies and credit funds) The level of competition in banking is increasingly fierce, as most banks are pretty orientation activities overlap, (except for a small number of foreign banks, mainly driven activities is service major national customers), products or services similar banking, mining the same market segment For example, the largest private bank, has good brand as BIDV, Vietinbank, ACB, Techcombank are long-term oriented development into retail banking, customers are individuals and households The development level of the banking network much faster than the development speed of the banking market has led to the bank's resources to compete for market share each other's shock and the opening markets are not paying careful attention In this process, the advantages currently belongs to the largest commercial bank which has a thickness of operation, extensive network, young human resources, enthusiastic and professional firm, and especially capable administrator good risk, application information technology’s capacity and level in operations and business management or specialized 3.2 Competitiveness There are many factors made the banks overall competitiveness as financial capacity, human resources, network, product portfolio, technology capabilities One of the core elements which make up banks’ competitiveness in each new stage is now able to apply and implement the information technology on operations management, business and E - commerce applications At the individual business operations, the ability to apply technology to create competitiveness in some typical services such as Internet banking, mobile banking, the bank website (the ability to reach customers, advertising marketing, selling products over the internet…) Some specific comparison of BIDV with competitors as below: - Mobile banking services and features provided Supply Service Deposit Loan Inquiry Internal Outsite account account credit card system system inquiry inquiry information tranfer tranfer BIDV Viecombank Viettinbank ACB Techcombank X O O O O X O O O O X X O O O X X X X X X O O O O Paymen t Security Mode X O X X X PIN + Token PIN PIN PIN PIN - Internet banking service and features provied Supply Service BIDV VCB Viettinbank ACB Techcombank Money Recurring Online Credit Payment transfer payment Inquiry rate and (internal Exchange or outside rate one bank system) X X X X X X X X X O X O O X X X X X X X X - About website: Picture –BIDV Website O X X X Account investement Security Mode X PIN + Token PIN PIN PIN PIN X X X X Picture - Vietcombank Website Picture - Techcombank Website Above website has nice friendly interface with features similar function as: to provide information, referral, advertising products, services and integrated online banking functions help customers and transactions selling bank products and services through its channel… Through some above comparison, we can see their competitiveness through the application among the banks is relatively isolated 3.3 SWOT analysis STRONG POINT WEAK POINT - Having a strong brand and reputation in domestically and internationally - There are high-quality human resources with experience and enthusiasm - Having information technology systems at the modern system of advanced applications Ability to control and IT applications - Ability to product design innovative banking services, the highly competitive nature - Having experience in implementing Ecommerce activities are driven and developed E-commerce - Internal mechanism of decision making and implementation policy decisions on information technology and applications for e-commerce has not flexible and fast - The system of internal management information has not been finalized Applicability and exploitation of information technology is not deep - No exploiting the brand strength, the ability to expand the potential customer base is not commensurate with the resources available to customers, willing participate ability in e-commerce is not good - Risk management ability did not meet the maximum safety requirements in the electronic commerce activities OPPURTUNITIES CHALLENGES - The potential market for banking - Intense competition from domestic and international rivals - Ask about the quality of customer service are higher - Status fraud in banking is growing in popularity Many risk factors arise, especially in new activities such as electronic banking - Require risk management, safety and information security requirements in electronic commerce increasing operations is huge The demand for banking products is increasing and diverse - More and more customers are aware of the knowledge and use of banking services, especially for new products and services based on high-tech - Government policies to support the application and development of information technology, e-commerce activities An experience from other banks application - Techcombank is early bank which applicate internet banking services From 2007 Techcombank has deployed the product online transactions such as investment term deposits, cash and bring greater utility to customers, especially young customers, technological knowledge As a result Techcombank has attracted large number of individual customers, small business from other banks such as Agribank, Trade and Industry - A number of foreign banks also represents the ability to apply information technology in operation Mizuho Bank (Japan) is the bank since into Vietnam has applicated online transactions, thereby, they offer products and banking services to remote customers with low cost, high quality, virtually eliminate geographical distance, and savings customers cost For example: Mizuho Bank in Hanoi, but most serve businesses firm at Nomura Industrial Zone in Hai Phong, the local and venture banks in Hai Phong present no competitive advantage despite has operation area Thus, we can see, IT applications and e-commerce in the right direction in business operations can bring huge competitive advantage for the bank BIDV business strategy 5.1 Business Strategy BIDV identify strategic vision award 2020 is maintain its position as one of the three largest and efficiency banks in Vietnam in all aspects: the entire network of provincial, city; the customer, performance, portfolio and product quality, service, innovation ability, the application of information technology and e-commerce The priority objectives: - Restructuring operations and improve business performance of banks, subsidiaries, associated companies To maintain and develop its position, the impact on the Bank's financial markets - Development of retail banking activities, which holds the No market share in the market of credit debt, raise capital and retail services - Enhance the capacity to exploit technological applications in business operations, increase efficiency, labor productivity The solution strategy: Implementation of package solutions which have been specifically approved by the leadership of the components: credit, capital raising, investment, capital and currency trading, risk management and monitoring compliance, development of retail banking, wholesale banking development, brand and network development, organization and personnel, information technology applications and e-commerce 5.2 Strategy for ICT and e-commerce applications Base on the basis of the business strategy BIDV, the application of information technology and electronic commerce is one of the core content, are the basis for system BIDV perform the intended target Two great strategy content as follows: - Research and apply ERP system model for internal governance which openness to ensure the ability to connect and exchange data with the core - banking system, the ecommerce systems such as mobile banking, internet banking, card systems, systems 10 customer relationship management (CRM) and the number of programs such as BIDV building customer profile management focus, program income – cost distribution, system client authentication information online - Promoting ICT and e-commerce applications to improve accessibility, expand customer base, improve product and service quality and performance operation + Powerful application programs to support the transaction over the internet (internet banking), mobile network (mobile banking) + Promote card transactions, set up a network of ATMs, automated transaction (Autobank) The application IT solutions in the banking sector - A number of vendors and solutions: Currently, the ERP solution providers in the world renowned presence in Vietnam as SAP, Oracles, AccNet Sun , besides the development the system ERP in countries such as FPT, FAST The system which developed have been proven effective practice But for the banking sector in Vietnam, the equivalent size as BIDV, only the Commercial Bank for Industry and Trade is conducting ERP application, application efficiency is not realistic - Propose applications solutions: Due to the newness of the application of ERP in the bank as well as the complexity of the implementation, the proposed contractor selection FPT is deployed, the application is built based on the company's Oracle ERP Master Plan 7.1 Application ERP program for internal governance Application ERP program to codify and replace all internal applications management by focusing on network platform internal communication, conducting individualized application of the specific vendor's BIDV, converting existing databases to databases of ERP systems The modules include: - Financial Accounting: apply to all accounting modules - Asset Management - Treasury management - Management of human resources and training - Planning Management - Administrative and office automation - Information management and management reports 11 ERP systems are designed to interface with the Core banking systems and other applications that BIDV building to ensure the ability to synchronize information to the ERP system 7.2 Upgrade and deploy the applications and support for ERP systems Upgrade, integration and transition activities to the platform intranet following programs: - The program's internal credit rating: upgraded to deploy additional components to individual customer class - Upgrade program classification and evaluate the effectiveness of the customer Develop and implement programs customer relationship management focus - Implement management programs focus on customer profile; connect with relevant modules on core banking program sibs (module customer profile information, credit, guarantees, deposits ) - Implement programs income distribution, the cost to manage and evaluate the effectiveness of each product, as well as the services of the network member unit - Authentication customer information online System: upgrade and connect with relevant modules on core banking program sibs - BIDV Internal portal: upgrade, some additional features such as searching for information, document according to know content, set up the professional documents directory system, expert forums and body institutional question / answer to the user The above application program needs to open mechanism designed for easy upgrading, and easy connecting and sharing data with ERP systems to both take advantage of the BIDV available technology, ensuring ERP systems are operated uniformly throughout the system, gradually erasing of applications and independently operated databases dispersed 7.3 Upgrading the e-commerce applications - Mobile Banking system: links with all the telecom service providers to deploy mobile applications for banking transactions via the mobile network In addition to existing services such as resource query clause, query transactions, transfer money, pay bills, search for information interest rates, exchange rates…BIDV need develop services to provide information such as financial advice, investment deposits… 12 - Internet Banking System (integrated on the BIDV’s Web overflow): in addition available services such as account inquiry, transaction inquiry, transfer money, pay bills, search for information rate, bil price additional new services such as international remittances, trade finance, disbursement, collection, providing financial advice, investment deposits - Expand the ATM network to the new network, focused on developing a system Autobank in key areas: Hanoi, Ho Chi Minh City, Da Nang, Hai Phong… 7.4 Synchronizing data In addition of ERP modules system, the data of the other applications mentioned above, the core banking system and service transactions should be accounted for automatic synchronization and transferred to the ERP system at the end of the day (NH conducting daily closing windows), ensuring operators are unified data source, service governance and business Implementation plan 8.1 Human resources - Appointed ERP projects Director, establishment one team which task forces deployed ERP application, the organization responsible for implementing ERP and IT application programs already mentioned This group consists of mid-level leaders of the Committee of technology, Information technology center and other related departments in the bank - BIDV Employees: responsible for building and upgrading programs mentioned above, is expected to include human capital is the source of board technology and information technology centers and 30 additional software engineers Progress supplements were equally divided over the years, the first years is expected to add an average of 15 people per year and remain for the next year - Outsourcing human resource outsourcing: using the contractor's workforce provides ERP system 8.2 Step and timeline to implementation No Item Time Coordinate with contractors, partner to prepare for ICT projects + Provide the business requirements, prepare the detailed 13 12 months to suppy to project leaders + Review, standardize business processes, build a list of objects to be managed, determine management identified, the need for information extraction + Preparation conditions and technical facilities such as server systems, communication networks, and peripherals, storage devices In parallel with the preparation, building up the application program will pair with ERP systems Finish before months when trail operation The contractor and design team conducted ERP, months Training staff, system users: implementation in the parallel months customizable system at the request of BIDV with steps as above Perform system installation, commissioning preparation Commissioning the system: the implementation months of months operational processes continues to operate out of the error, the mismatch of the system Managers Department must continue to monitor and supervise the operation, proposed solutions, continue editing system Support Technical department to ensure smooth system operation, perform the specialized work of system administrators (installation, adjustment, decentralization, distribution, data storage ) Acceptance the system, stable operation and officially months launched Total impletation project time 28 tháng 8.3 The Budget Currency: VND Stt Hạng mục Cost of applying ERP system which replacing the entire application program internal governance ago 14 Ngân sách dự kiến 25.000.000.000 Upgrade The internal credit rating program Upgrade classified program and evaluate the 750.000.000 1.500.000.000 customer effectiveness Develop and implement focus customer relationship management programs (self-build) Implement management focus customer profiles 1.200.000.000 programs Implement distribution income and costs programs 3.000.000.000 Upgrading authentication customer information 1.250.000.000 online systems Nâng cấp Cổng thông tin nội BIDV 1.000.000.000 Upgrading BIDV internal information importal Upgrading Mobile Banking system 1.800.000.000 Upgrading Internet Banking system 2.500.000.000 10 The hardware device (the device needs additional 35.000.000.000 ERP system and upgrade applications such as servers, workstations, firewall devices, backup storage devices, peripherals are , security system ) 11 Provision of funds for hardware items and build 4.800.000.000 programs (10%) Total Amount 77.800.000.000 The total estimated cost for the overall planning of IT applications and E commerce was 77.8 billion VND, in which, expected cost about 35 billion VND devices by BIDV has resources IT infrastructure is very good and meet with the expand demand So while implementation of investment plans only additional equipment purchase necessary, limit the total expected cost hardware accounted for 45% of the estimated maximum plan Summury In ending of course, our team would be sent to Dr Nguyen Van Thoan who are Teacher courses sincere thanks and wish best for you 15 Reference Giáo trình Quản trị hệ thống thông tin TS.Nguyễn Văn Thoan Tài liệu nội BIDV Tổng hợp báo cáo NHTM Báo cáo thống kê 2011 – Tổng cục thống kê Website http://www.bidv.com.vn Website http://www.vietcombank.com.vn Website http://www.techcombank.com.vn 16 ... product design innovative banking services, the highly competitive nature - Having experience in implementing Ecommerce activities are driven and developed E- commerce - Internal mechanism of decision... important role To meet the requirements of business development, improve manage and business efficiency in a new stage in strategic business which leaders have proposed, we formed the group "Master Plan... technologies related to business operations are fully equipped Especially, BIDV has developed redundant data center to ensure maximum safety security data and ensure operation system continuous The current