Thang toán trên các thiết bị di động trong thị trường kinh tế số hóa thời đại 4 0 ở việt nam

BỘ GIÁO DỤC VÀ ĐÀO TẠO NGÂN HÀNG NHÀ NƢỚC VIỆT NAM TRƢỜNG ĐẠI HỌC NGÂN HÀNG TP.HỒ CHÍ MINH -oOo - LÊ ĐẶNG THÙY MAI THANH TOÁN TRÊN CÁC THIẾT BỊ DI ĐỘNG TRONG THỊ TRƢỜNG KINH TẾ SỐ HÓA THỜI ĐẠI 4.0 Ở VIỆT NAM KHĨA LUẬN TỐT NGHIỆP CHUN NGÀNH: TÀI CHÍNH - NGÂN HÀNG MÃ SỐ: 7340201 NGƢỜI HƢỚNG DẪN KHOA HỌC TS.TRẦN TRỌNG HUY TP.HỒ CHÍ MINH, NĂM 2018 TĨM TẮT u n hy ho m i n tho i th tri n công ngh m ph Nm ng ng gi i h nn nghi n nh m ng nh uv h r t i Vi t N m v qu nh V im Nmrt t qu ti m n ng ng ngh m nh ng th th kinh nghi m qu h pt Ng n h ng t i Vi t N m Nam phát tri n an toàn, hi u qu SUMMARY We are living in the 4.0 industrial revolution, this is no longer news of a future event, this technological revolution has changed the way things running Everyday, the news about this trend are reported on social media Almost all countries in the world racing on technology improvements In order to improve the position and the quality of human life, Vietnam is now beginning its first steps in the digital development process Smartphones have become attached to the lives of people because of the practical role Not only be a communications device, but smartphones also play a role in entertainment, learning, working, health monitoring, shopping, life management, paying bills It seems like the ability to work in diversified field by only a smartphone is growing That is the reason why the demand for smartphones is increasing With the advancement of technology, the introduction of mobile payment products and services in the 4.0 era is essential The technology race is taking place more exciting than ever, making any simple or complex task can be accomplished with a compact smartphone just in the blink of an eye Captured the trend of developing payment technology in the world and found the outstanding benefits of this payment method, the payment via mobile devices in Vietnam is in the blooming stage and we need positive contribution for further development This trend not only changes the way payments, but also creates and promotes new business models, changes consumer behavior By using methods such as descriptive statistics and data collection from various sources, the author makes a realistic evaluation to show limits and issues of this payment method in Vietnam Beside that, it‟s in p le to ignore the advantages and opportunities that need to be catched and used for development Having a young population and the high rate of cash-using in monetary circulation, Vietnam has great potential in the mobile payment trend However, technological fragmentation, regulatory environment and security in the information technology platform are heavy challenges that need to be solved by creative solutions, learning from the international experiences But the most important thing is the concern of Government and the cooperation of the involved parties in mobile payment with the banking system in Vietnam, facilitating the payment via mobile devices in Vietnam has safe, effective, sustainable development Summary Chapter In chapter 1, the author presents the basic theory of mobile payment trends in the digital age in Vietnam Firstly, author mention about the context of mobile payments – Indistrial Revolution n nswer the question “Wh t is mo ile p yment?” At the next specific content covers the concepts, the development history of mobile payments, classification of mobile payments, operating models, supporting devices as well as the conditions for this payment activities, their role for the state, banks, companies and also people in our country Finally, criteria for evaluation are given to analysis situation of mobile payment development Base on understanding about basic meaning of mobile payment, which helps reader to have basic knowledges and right direction to chapter Summary Chapter In Chapter 2, to help readers understand the development of mobile payment in Vietnam market The author presents specific contents including the situations of the ecommerce market, the banks, Fintech units, the legal corridor, the dynamics and the current direction of the state It also points to the volatility of the market that will affect mobile payments Vietnam's advantage is being a developing country with a young population structure, so it is very easy to update new technology trends Payment methods via smartphone started few years in Viet Nam, althought it brings many benefits but also has a lot of weakness that need to be improved And the biggest weakness is security – the field that big counties must also be careful Moreover it‟s quite iffi ult to h nge the using sh h it of people e use they have many reason to not choose to trust mobile payment method Because of working together on the digital technology platform so ecommerce development is also an important lever for payment on mobile devices Following the experts, because of being a brand-new market, Vietnam has many opportunities and potential development The Government of Vietnam has plans to focus on developing mobile payments as a key target in the coming years Therefore, the banking system, fintech companies, retailers in Vietnam need to cooperate to speed up the evolution of mobile payments Summary Chapter Apply the technology on payment system to replace cash completely changed the definition of traditional cash transactions, helping the Bank to change its operating process become more efficiently and profitably, enterprise and Fintech companies have more development opportunities, the way that people manage finance is more convenient In Chapter 3, based on the direction of the government with the goal of non-cash society and sustainable economy, author contribute some solutions that may help in the intention of overcoming the weaknesses of mobile payments By consulting the experts in this field and the author's own knowledge, there are solutions to progress payment by mobile devices These recommendations for the State to facilitate for mobile payment by reform include legal system, security and pay attention on technology update About the banks and Fintech company, it is important to focus to enhance quality of produce and service and customers care, while also taking the initiative in ensuring the security of information technology As mentioned in Chapter 2, changing consumer habits from using cash to mobile payment will take time because cash payments are very popular Therefore, Government incentives and bank policies to encourage mobile payments play a very important role With recommendations and contributions, author want to help our Vietnam gradually adapt to the process of economic integration digitization in coming years General Conclusion Industrial revolution 4.0 is the opportunity for Vietnam to shorten the development gap with other developed nations in the world The mobile payment tren response for one of the new er ‟s require em n ut to hieve the proje ts we need more efforts from all related organizations as well as the trust of customers for this payment method LỜI CAM ĐOAN K nh th ch t l ng qu th y o tr ng titnl L Đ ng Thùy Mai, sinh viên h c nhân i h c Ngân hàng tp.H h Minh t i xin khóa lu n cơng trình nghiên c u c a riêng tác gi , có s gi ng vi n h ng dẫn th y Tr n Tr ng Huy, k t qu th kh ng ung o ng n i ung ã i khác th c hi n ngo i tr hỗ tr c a nghiên c u trung c cơng b tr trích dẫn m on y ho c n i c dẫn ngu n khóa lu n Tác gi L Đ ng Thùy Mai y LỜI CẢM ƠN Đ u ti n l h Đ h i t t i xin ng Nh ng nh ng nh r n luy n su t th i g i u th y ng k n ng Nh ng ti ui th tâm th ng th ng xin mv hi n kh L Đ ng Th y M i ki n tr DANH MỤC TỪ VIẾT TẮT DANH MỤC BẢNG BIỂU, BIỂU ĐỒ, H NH ẢNH PHẦN MỞ ĐẦU CHƢƠNG 1: TỔNG QUAN VỀ XU HƢỚNG THANH TOÁN TRÊN DI ĐỘNG 1.1 Khái ni m 1.1.1 1.1.2 1.1.3 1.1.4 1.2 L ch s r 1.2.1 1.2.2 1.2.3 1.3 Vai trò c 1.4 Xu h ng th nh to 1.5 Các thi t b cô 1.5.1 1.6 Các lo i h nh th nh to n 1.7 Ti u h CHƢƠNG 2: THỰC TRẠNG VỀ PHÁT TRIỂN THANH TOÁN DI ĐỘNG TẠI VIỆT NAM TRONG NỀN KINH TẾ SỐ HÓA TẠI VIỆT NAM 2.1 Tình hình chung th 2.2 M 2.3 Th 2.4 Th Nam n to n nn th nh to n i ng kh mtl ngh thi t k nh ng t Nguy n nh n l ng ng n y v kh n unn nh iv th nh to n n y imv l lẫm v linh ho t v ph K t luận chƣơng K t nny nh ng th m nh v cncn c ý kh c ph tri n t r t c n nh ng ch c g ng c a h doanh T toán phát tri n b n v 68 Chƣơng 3: GIẢI PHÁP ĐẨ MẠNH PHÁT TRIỂN THANH TOÁN DI ĐỘNG TẠI VIỆT NAM Mở đầu chƣơng Vi ng ho n to n h th ho t ng ty h n kh ng nhi n s nh ph t tri n n y ng xu t ng n r nh m 3.1 Mục tiêu phát triển M ti u kh h h ng ph p n to n b o m t gi m thi u r i ro Th y v tung r nh u v n t p trung n ng o Ph t tri n Ng n h ng l n v s 3.2 C n xây dựng giải pháp 3.2.1 Đề án phát triển tốn khơng dùng tiền mặt Việt Nam gi i đoạn 2016-2020 nêu rõ mục tiêu cụ thể − Đ n cu i n m 0 tỷ tr ng ti n m t t ng ph ng ti n toán m c th p h n 0% − Phát tri n m nh toán th i m bán; nâng d n s thi t b 300.000 thi t b d − h Th ẩy th nh to n m c tiêu c o n 2016 - 2020 (100% siêu th , trung tâm mua s m v phân ph i hi n dùng tốn khơng dùng ti n m t mu v cung c p d ch v nh n th nh to n h th c tốn khơng thành ph l m t mua s m, tiêu dùng) − T p trung phát tri n m t s ph m i, hi n góp ph n th m nh s ng nh t 70% vào cu i n m 00 3.2.2 Mục tiêu n tồn bảo mật cơng nghệ thơng tin tr n th tr ng y u v ng t m o n ninh ho gi o h t i h nh v th ng m i i n t Vi t N m n nh m ti u gi m s ng ti n m t v t ng tỷ l th nh to n i ng th m ti u qu n tr ng kh ng h nh l m o n ninh NTT Nguy g p r i ro n y lu n ng h nh ng v i xu ng ph t tri n th nh to n i ng t i Vi t N m h y t u h nh v v y t t h 70 n th m gi th nh to n i ng i ph ph ng h ng v v i r i ro x y r th u n ph i gi o h ng vi h t i h nh i n t 3.2.3 Xu hƣớng phát triển tất y u in ih yu ng ngh h Vi t N m m nh mẽ h n l h pl quy t tr n thi t i nh o v s o ph i i h t t h u so v i ng ph t tri n t t ng r nh nh h ng k p th i v Vi t N m nh nh ng t i Vi t N m n ng l xu h ng i n r m nh mẽ ng nghi p nh ng gi i ph p ph t tri n th nh to n ng n kho ng i h ng r t tr n th gi i 3.2.4 Tập trung xây dựng chuẩn toán chung huẩn th nh to n t Vi t N m l m n ng i ng QR o e h nh l m ng mu n h t nh m m n tr ti n r ng ph t tri n nhi u ph ng t i Vi t N m h nh th ng h nh v th nh to n kh ng i n th nh to n kh in tr n thi t th lo i tr nh ng r i ro ng n n QR o e l s i ng th nh to n m t huẩn th nh to n nhi u u i m tr n i mu n ph t tri n th nh to n tr n ti u m th tr u ti n Vi t N m ng 3.2.5 Dự thi u s t cần ch nh đốn học kinh nghiệm từ quốc gia khác Đ s ph t tri n v ng v ng th k p th i hn qu gi ph p ph n kh kh n r o 3.3 kh r nti h ng Ki n nghị dành cho Nhà nƣớc 3.3.1 T p trung ho n thi n h nh l ng pháp lý, c lu t riêng chi ti t tr lm s cho ho t th m gi lu t iv it th nh to n tr nh kh hpv h h ng v N ng o nh n th h nh n Đ u t ng ph t hi n x M r ng 3.3.2 Cải thiện t nh h nh bảo mật, B n h nh quy t ng th n kênh th nh ng m i huẩn ti n ti n v Đẩy m nh lu n o m nh mẽ v n n ph i h 72 h nh s h hỗ tr h ng tr nh hỗ tr Ng n h ng ph t tri n ng ngh hi n i ti p n v i qu t v ph t tri n ng ngh v n ninh m ng 3.3.3 T ng cƣờng th nh toán di động Nh n lmg th nh to n i ng v ng i u xu h th ng qu n n ng nh nh n c ph bi n ho t ng th nh to n i n t nh tr l ng qu th th nh to n i n t … khuy n kh h v t o i u ki n ho th ng m i i n t ph t tri n 3.3.4 Tạo điều iện phát triển công nghệ h tr ng ph t tri n h t ng o t ng k thu t ng h p t ng ngh m i n ti n ti n ph t tri n h n kh ng nh ng tr Vi t N m v hỗ tr v vi ng ng nh ng k p th i v ng ngh huy n gi qu gi i ng ngh m n i u ki n kinh nghi m h n v h th ng n ninh o m t i u n y Vi t N m n n h pt h thuật v ut k ng v ng ng NTT T n p nh t ngh 3.4 Ki n nghị dành cho Ngân hàng 3.4.1 Ch nh sách nhằm củng cố niềm tin cho hách hàng t o t i kho n Ng n h ng m M r ng ph m vi kh h h ng r ng nh ng hi n h m rketing hỗ tr n nh ng t ng l p v ph m vi il x h n ng kh h n truy n n nh ng t nh v ng n ng th n n m t ni m tin v o h v ng t ph t h nh th hms t t hu o qu n t m h ng l ng nghe ki n kh h h ng ti p nh n m i th ng tin g p i thi n s n phẩm v ung h ph v tth n d ng hóa tr i nghi m, t o d ng ni m tin cho kh h h ng gi p kh h h ng y n t m quy t nh h n th nh to n i n t t tin h n th hi n th nh to n v h i l ng s u qu tr nh s ng hv X l minh h th ng ho kh h h ng v s n ninh mtxyr tr nh h h ng ẫn o h u thi t ho th ng Ng n h ng v m h 73 Ph i n kh tr h nhi m tin h h ng v s qu n tr ng h o m t th ng tin v ng g p m t ph n nh m ph ng tr nh s r r Khuy n kh h kh h h ng s h n (m t i h kh ng li n qu n i n tho i s k t h th n th ng tin th …) v nh n ng n n th o m t th ng ng m t ng gi p ho h hi u m h in ho s mk ph t ng kh i kh h h ng nh ng xuy n th y i m t o itv ng y sinh s m o n to n h n ho t i kho n ng qu t ng ho kh h h ng nh kỳ t h ng tr nh khuy n kh h kh h h ng m th ng k h v th nh to n m i qu n h gi i n t theo o nh s ng ng h t l ng ng t tr n we site ng t ho tr ng kh h h ng v Ng n h ng m ng xã h i T ng cƣờng n ninh, bảo mật 3.4 Ph t tri n v i h ng ngh ng ngh o m t ho ng omt ng Ng n h ng sm rt phone (v n t y f e o ho kh h h ng v nh ng nguy ng khuy n i n t song h nh ng m ng m t …) Đ ng th i r i ro x y r ph ng 3.4.3 Mở rộng phạm vi hách hàng T h ng t i h pt u i h i th o v tr Ng n h ng ng Đ i h ng tr ng ung i t l nh ng tr p ki n th h ng ho th h sinh vi n M t kh n ng ph t tri n l n t ph ng ngh s th nh to n ng kh i ng nh kinh t i n xu th ph t tri n l thu h t s l i mtmtl ng nh Ng n ng l n kh h h ng tr ti m ho Ng n h ng Th hi n m rketing t i truy n th ng s n phẩm i t int i m mu s m gi o h i th o m ng xã h i h th nh to n ph ng ti n ng ng th ng m i i n 74 3.4.4 Cải thiện chất ƣợng sản phẩm, dịch vụ , phí d ch v th hi n vi h nh s h gi gi m ph s hv ng th nh to n qu i gi o h ng huy n n t to h ti n m t s ng th nh n qu i ng T p trung i thi n h t l ng ng d ng m o s ho t quán, d s d ng, d thao tác, tra c u th ng tin gi o h omtv ng Ng n h ng Mobile B nking Ng n h ng Đ i ng nh n s th ih i pl ng nghĩ v i vi ho t gi m thi u h nh th ng ng n h ng on ng i nh t l vi n ph i i ng kh ng th y th ng ng n Đ o t o Chuyên gia, k kh Đoto h iv h p h ng n h ng truy n mym s int i v nh n vi n ng n h ng i u n m y m h linh s ẩy m nh ho t T nh n s i ki n th h huy n nghi p h n ẩy tr h nhi m l m m t th i gi n holi h nh v v y m nh tr th p ng nhu c u n Ng n h ng s ng n kh ng hm hnl y gi i hu px l s ng ẫn s ng t n t nh tr nh tr i t n Th on ng Ng n h ng có kinh nghi m T ng ngh ti n ti n hi n ng ng huy n m n nghi p v ng ngh k t h p gi ho nh n vi n Ng n h ng ho kh h h ng m t gi o humt phát tri n cơng ngh , an tồn b o m t CNTT ngo i h i th nh to n Ng n h ng v ng m nh h n v i v kh n ng l m vi ng kh ng th th y th ho n to n ho t imym ng nghi p v th y ph t huy s ng t o ng v x l r i ro h y oevo nhân o v tr nh o th i Tuy nhi n m y m ho t h t i h nh r r ng minh huẩn th nh to n QR 3.4.5 Nâng c o chất ƣợng đội ng th ng nh, nh t n to n i t ng s l ph t tri n ng n h h nh x thi u ng huy n nghi p m nh ni m tin to n m i n y 3.4.6 pt v r ng ph m vi kh h p to n ng i ng gi m gi 3.5 t ng qu ) Ki n nghị dành cho công ty T p trung ngh c ng c quy n l ic s n phẩm c a công ty Fintech S n xu t c nh tranh v Th hi n m rketing n truy n nhi u h n nh qu Theo s t ti n h nh s h Nh ung kh h h ng tho i im iv i tr 76 H nh 3.1: Chƣơng tr nh đổi sm rtphone củ Thegioididong H nh 3.2: Chƣơng tr nh đổi sm rtphone củ Ph t tri n ng ng khuy n kh h kh gi m gi h ng ri ng tr ng th h h ng s nh ri ng ho ng ng ng ng tr n i PTshop ng m i i n t tr n thi t ng i ng nh ng u ãi nh mã o e ng ho h n th nh to n qu th t n ng H p tác ch t chẽ v t l n t i nh Th hi n kh h h ng (gi m gi % pt nhi u ti n v i Ng n h ng v h v gi tr ho kh m r ng m ng l i kh h h ng v t o r th m h h ng K t uận chƣơng tr n m mtv mts r tr th nh to n nh i ng t i li u kh ki n th huy n m n v nhi n ti p g ng nỗ l v kh ng ng o nh nghi p ng ph i k gi i o n Vi t N m s h tr nh nh ng i h v ng ng iv h ng ng v 78 DANH MỤC TÀI LIỆU THAM KHẢO Loại tài liệu Tạp ch Tin h h ng Ng n Tin h h ng Ng n Tin h h ng Ng n Tin h h ng Ng n Tin h h ng Ng n Tin h h ng Ng n Th tr h nh ti n t ng t i Tài iệu từ Internet Website mPOS Vi t N m Website mPOS Vi t N m 79 Viblo Website hàng TMCP ng Th Vi t Nam We site Kinh t S Online Ngân i Website Công ty C Ninh M ng Vi t Nam We site Kinh t S Online Website T p h We Vi t N m Website T p h Website Th i báo Kinh t Vi t Nam n ph n An i int site int n 80 We site VOA (ti We site T p h th ng Vi t) ông ng We site T p h ti h nh We site T p h ti h nh We site T p h ti h nh Website Công ty C pháp Thanh toán Vi t Nam Website VNEXPRESS ph n Gi i ... dụng bán hàng thiết bị di động 18% 15% 15% 201 6 201 7 11% 20 14 201 5 Nguồn: Báo cáo Chỉ số thương mại điện tử Việt Nam năm 201 8 H nh 2.6: Tỷ ệ nh nghiệp ứng dụng bán hàng thi t bị di động Ty lê website... bản di động 26% 19% 15% 20 14 201 5 201 6 17% 201 7 Nguôn: Báo cáo chi sô Thương mại điên tư Viêt Nam 201 8 H nh 2.7: Tỷ ệ website c phiên di động 36 Ty lê DN co website kinh doanh di động 201 6 201 7... ng th nh to 1.5 Các thi t b cô 1.5.1 1.6 Các lo i h nh th nh to n 1.7 Ti u h CHƢƠNG 2: THỰC TRẠNG VỀ PHÁT TRIỂN THANH TOÁN DI ĐỘNG TẠI VIỆT NAM TRONG NỀN KINH TẾ SỐ HÓA TẠI VIỆT NAM 2.1 Tình