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Sau khi giao djch dUpc d p phep thanh edng, man hinh website eua dan vj chap nhan t h i se the hien xac nhan giao djch thanh cdng, thdng bao cho chu thd cac chi t i l t v l dan ha[r]
(1)dich khac
Mpt s6 trU5ng hdp l{hac:
- Ngan hang toan cua don vi chip nhan the gdi yeu d u d p phep giao dich tdi cho Ngan hang phat hanh cUa ehu the thdng qua he t h i n g eua to chdc the quIe t l , thdng tin tmng yeu c l u d p phep giao dich se bao gdm ca thdng tin v l viec xac thUc 3-D Secure cdng
- Ngan hang phat hanh eua chu the t i l p nhan va xd ly yeu c l u xin d p phep td Ngan hang toan Sau dd Ngan hang phat hanh gdi k i t qua tra Idi d p phep Ngan hang phat hanh cd the td choi vdi nhdng ly khac vi dy nhU: khdng dd han mdc toan
Sau giao djch dUpc d p phep edng, man hinh website eua dan vj chap nhan t h i se the hien xac nhan giao djch cdng, thdng bao cho chu thd cac chi t i l t v l dan hang, viec giao hang, djch vu khach hang
Tmng thdi dai cdng nghe hien nay, viee mua ban true tuyen dang la mpt finh vuc ma t i t ea eac doanh nghiep diu dang mong muon dat duac, vi nd mang lai r I t nhilu co hdi cho cac doanh nghiep, dae biet dli vdi nhdng doanh nghiep thuong mai Vdi viee sd dyng phuang phap xac thue 3D Seeura trang giao djch toan true tuyln da tao budc dot pha trang viee gidi quylt yeu c l u bao mat thdng tin giao djch nhlm han e h l rdi cho cae ben tham gia [Ngan hang phat hanh, Ngan hang toan, chd the, don vi chip nhan the) Td thue day phat trien finh vUc toan true tuyln
Tai lieu tham khao
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Ngan hang DJU ti/ va Phat trien Viet Nam - BIDV
C N H NHAN TO GOP PHAN NANG CAO CHAT LOONG DjCH VU VA MOi RONG KENH PHAN PHdl NGAN HANG HIEN DAI Dao Bui Kieu Linh,
Ban Truyen t h o n g Thuang hieu - BIDV
Xdc Sinh frinh So cdng nghe fhdng fin (CNII) cung ndng li/c fdi chinh vd nguon nhdn li/c Id fry cqf quan frong frong chien lu'q'c phdf frien ngdn hdng, frong nhieu ndm qua, Ngdn hdng 6du fu'vd Phdf trien Vief Nam (BIDV) dd uu fien nhieu nguon ii/c Sou fu'phdf frien CNII fien ndy, BIDV dd phdf frien du'q'c mqf hq fang ky fhuqf khd Sdng bq vd hien dqi Idm nen fang cho viec frien khai cdc nghiep vu ngdn hdng hien Sqi, Idm cCsdva fqo Sd cung ung cdc dich vu ngdn hdng co chdf lu'qTig cao cho nen kinh fe, gdp phdn ndng cao chdf lu'qTig sdn phdm dich vu vd si/c mqnh cqnh fronh fren fhi fru'dng
Day manh iing dung CNTT, ddi mdi quy trinh nghiep vu va san ph^m djch vu
BIDV ludn ddi mdi va dng dung cdng nghe phuc vy d i e lUe cho cdng tae quan tri va phat trien djch vu ngan hang tien t i l n ; phat trien cac he thong cdng nghe thdng tin nhu: ATM, POS, Contact Center; Cung c l va phat trien
CO sd t i n g cac he t h i n g : giam sat tai nguyen mang; mang djnh hUdng djch vy [SOA]; kiem soat truy nhap may tram; Tang eUdng cdng tac xd ly thdng tin phuc vy quan tri dilu hanh ngan
hang MIS, CRM
BIDV da trien khai cac dU an CNTT gan vdi hoat ddng Ngan hang tren cac mat:
(2)Cac nghiep vu ngan hang dng dung CNTT hien dai da nang cao hinh anh, uy tin, tinh canh tranh cua BIDV, BIDV nhanh chong t m lua chpn hop cac t m n g finh vUc toan cua nhilu khach hang Idn, cac ngan hang d l i tae tmng va ngoai nadc
Nhilu du an trpng diem khae dang dupe ap dung: Khan trUong trien khai cac dU an tU v l n va xuc tiln eac dU an trien khai he t h i n g quan ly quan he khach hang va he t h i n g Trung tam lien lac khach hang de tang cUdng viec quan ly, phuc vy khach hang mdt each chuyen nghiep BIDV cung dang tiep tue trien khai du an tU van xay dung he thing cong thdng tin ndi bp phye vu viec chia se, biln tri thdc cdng nghe, ehuyen mon, nghiep vu cho can bd, ding thdi xde t i l n viec xay dUng va cung c l cac he t h i n g CNTT phuc vy quan ly rOi nha cac ehuang trinh phdng chdng rUa t i l n , quan ly rui ro tac nghiep, thdng tin tin dung Linh vUc an ninh bao mat duac h i t sde chd trpng vdi cac du an xay dung PKI, xac thUc y l u t l tang eUdng an ninh mang theo thdng le khu vUe va chuan muc
quIe t l
BIDV edn quan tam d i n viec hien dai hoa CNTT cho cac edng ty vien vdi cac dU an he thong quan ly nghiep vu cho thue tai chinh, dU an he thong CNTT phye vu hoat dpng eua Cdng ty chdng khoan BIDV [BSC] edng ty bao hiem BIDV [BIC] Ngoai BIDV cung chu trpng ma rang d i u ta, ho trp CNTT cho cac ngan hang ed phln von gop cua BIDV nhU: LVB, VRB BIDC D i n g thdi, tich cUc tham gia hpp tac k i t n l i thu ngan sach Nha nadc gida BIDV va kho bac Nha nUde, Tong Cue thul Tdng Cyc Hai quan
Hien dai boa he t h i n g edng nghe thdng tin, dua nhdng san pham hien dai nhU: chuyen t i l n giay chuyen t i l n kilu hdi, la dai ly toan cho VISA, Westem Union k i t n l i toan vdi cac djch vu thu hd tien dien t i l n nUde, dien thoai, nap tien vao tai khoan nop tien bao hiem, tra tien ve may bay tu dpng cho khach hang khdng nhdng tang doanh thu v l djch vu BIDV cdn quang ba tdi khach hang v l mpt ngan hang hien dai vdi nhdng djch vu tien ich mdi me
Cac nghiep vu ngan hang dng dyng cdng nghe thdng tin hien dai da nang cao hinh anh, uy tin, tinh canh tranh cua BIDV BIDV nhanh chdng tra Ida chpn hap tac trang Unh vuc toan cua nhilu khach hang Idn cae ngan hang d l i tac trang va ngoai nUdc Tmng ba nam lien tyc [2007 - 0 ] , BIDV la Ngan hang thuong mai
r 1D dmh hUdng ldn cua BIDV va tam nhin den nam 2020:
1 Tilp tyc la nha cung d p dich vu tai ehtnh hang d i u tai Viet Nam chd trang cung d p dich vy c h i t lUong cao cho thj trudng mye tieu da lUa chpn San pham djch vu mdi dUpe da dang hoa va nang cao chat lUpng, tang them nhidu tien ich mdi de phye vu nhu d u eang eao cua khach hang
2 Phat trien mang lUdi kenh phan phdi san pham, da dang hda finh vUe d i u tU, tdng bUde gia tang anh huong va gia tri eda BIDV tren thj trudng tai chinh, tap tmng djnh hinh va hoan thien mang lUdi kinh doanh, day manh d i u tU cac dU an cd Uu t h i tmng canh tranh sau Viet Nam gia nhap WTO d eac fTnh vUc: Nang lUpng, t i n g ky thuat, can bien, b i t ddng san ThUc hien t i t n h l t edng tac chuan bj va san sang cho qua trinh ed phln hda, tmng dd thue hien tdt cac edng viec dinh gia xac dinh gia trj doanh nghiep hoan thien va trinh Thd tudng Chinh phd phe duyet; lua chpn va chao ban eo phln cho eac nha dau t u chiln lupe t i l m nang, phat hanh co p h l n l l n d i u edng chung va ni§m y i t tmng nUdc
4 Day manh tai ca d u Ngan hang, tang trudng tren ea sd b i n vdng: Dat dupe ca d u tai sdn na - tai san cd hop ly dUa tren viee xac djnh mdc tang trudng on djnh; da dang hda danh myc d i u tU, nang cao c h i t lUpng tai san; tang eUdng kha nang sinh Idi; nang cao nang ldc tai chinh, kha nang trich lap Du phdng rdi m [OPRR] va tU bu d i p rUi ro
5 Tilp tye md rpng va day manh cac H'nh vUe hoat ddng kinh doanh cd Ipi t h i canh tranh va ed hieu qud; nang eao nang lUc tai chinh va nang luc canh tranh; ap dung eac chuan mUe quIc t l trang quan trj dilu hanh
6 Xay dung he t h i n g qudn trj mi m tien t i l n ddm bao cho phat trien b i n vdng Chuan hda cac quy trinh thd tuc quan iy va tac nghiep, hoan thien he t h i n g thdng tin bao cao quan ly
npi bp phye vu cdng tae qudn trj dilu hanh
7 Xay dung chiln luac phat trien Cdng nghe thong tin; du an hien dai hda ngan hang giai doan 0 2 va t i m nhin d i n 2 ; xay dung he t h i n g thdng tin qudn ly MIS hien dai, dap dng nhu d u thdng tin, bao eao ehi dao dilu hanh eda Ban Lanh dao tai Hpi sd chinh va cac Chi nhanh d nhdng phan he nghiep vy chu c h i t
8 Xay dung va phat trien mdng kinh doanh djch vu ngan hang ban le manh me va dat hieu qua Thuc hien cdng c l va phat trien he t h i n g cdng nghe thdng tin, phat trien s i n pham djch vu ding thdi co c l u md hinh to chdc, quan ly theo khach hang, theo ddng san pham
9 Phat trien chinh sach thu bdt, trpng dung va dai ngd nhan tai, nang cao c h i t lUang nguon nhan luc, xay dung dpi ngu can bp vda ed nang lUe ehuyen mdn vda ed dao dde nghi nghiep va dam bao cac lai ich cua ngUdi lao dpng; d i m b i o an sinh xa hpi; quing ba thuang hieu, van hda BIDV
10 ThUc hien t i t trach nhiem xa hdi cua doanh nghiep, hoan viec thue hien d l an hd trp giam ngheo tai cac
huyen ngheo n h l t va cac chuong trinh Vi cdng d i n g
(3)duy n h l t trang khdi eac ngan hang tai Viet Nam gid vj tri hang d i u Vietnam ICT Index [chi s l san sang cho dng dung cdng nghe thdng tin] Nam 0 va , lanh dao phu trach CNTT BIDV dUpc trao giii CIO tieu bieu cua khu vUc Ddng Nam A
Phat tri^n va md rong mang lUdi kmW phan phdi hien dai
Phat trien va md mng mang lUdi kenh phan phii hien dai, BIDV tang s l lUpng ATM len eon sd g i n 1.000 may va 1.000 d i l m POS, ddng thd trang he t h i n g ngan hang thuang mai v l he t h i n g kenh phan phii hien dai, la mpt tmng hai ngan hang thuang mai cd mang lUdi kenh phan phdi phu khlp tren dja ban 63 tinh, p h i Rieng tmng nam , BIDV se tiep tye trien khai lap dat them 0 may Nam 0 , BIDV da md mng k i t n l i toan qua Banknet vdi ngan hang, nang tong so Ngan hang ket n l i toan len 16 ngan hang Ben canh dd, BIDV cung da khdng ngdng phat trien cac san pham mdi dng dung tren ATM nhU: Thanh toan t i l n hoa don dien thoai, hoa don dien, hoa don nUde
Trien khai kenh giao djch ngan hang trUe tuyln, BIDV huy ddng cac nguon lUc cdng nghe, khan trUang trien khai DU an SMS Banking, Home Banking, PhoneBanking, Internet Banking va Mobile Banking He t h i n g Intemet Banking va Mobile Banking se la kenh phan phii hien dai, hieu qua vi duoc dam bao an toan nhd ap dyng eac bien phap ma hoa bao ve dO lieu giao djch va tang cUdng bao mat bang xac thdc ylu to Kenh giao dich true tuyln mdi se cung cap cho khach hang cac tien ich va djch vy tien Ipi nhU: V l n tin cac loai tai khoan, thUc hien cac giao djch chuyen khoan, chuyen t i l n toan khoan vay, toan the tin dung, toan hoa dan Dang ky true tuyln sd dung cac djch vy da dang (thanh toan see md thu tin dyng, tang han mdc tin dyng, giai ngan t i l n vay.] tra edu va tham khao trUe tuyln cae thdng tin nhU: Ty gia lai s u i t , san pham, djch vu khach hang ed the sd dung tat ca cac djch vu tren mdt each nhanh chdng, an toan, tiet kiem, thdng qua mang Internet va t h i l t bj truy cap nhu may tinh hoac may dien thoai di ddng
Vdi mue tieu dUa BIDV tra ngan hang hang d i u v l djch vy ngan hang ban le, tmng giai doan 0 va t i m nhin 2 , BIDV xac djnh phat trien dng dung CNTT van la mdt trpng tam d n dupe tang eUdng BIDV se ehuyen djch co d u d i u t u v l CNTT, dd tap trung dau tu nhilu ban cho cac he t h i n g dng dung de phat trien, da dang hoa san pham djch vy va kenh phan phii ngan hang ban le hien dai, phye vu boat ddng ngan hang ban le D i n g thdi, BIDV v i n t i l p tuc d i u tU de cung e l t i n g eo so vat c h i t ky thuat, hUdng tdi cac d u p h l n ehu y l u nhU: Phat trien san pham, djch vu, da dang hoa cae kenh phdi ho t r p hoat dpng kinh doanh, tang eUdng quan trj d i l u hanh va boat ddng cua BIDV, ehu trpng quin ly rui ra, tang eudng an ninh, bao mat •
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Ld doanh nghiep Vief Nam fien phong frong linh vi/c son xudf fhe, sd huu nhd mdy son xudf fhe fhong minh co quy md \6r\ vd day chuyen son xuaf hien Sqi fqi Hd Npi vd IP Ho Chi Minh • Cdng fy Cong nghe Ihong minh MK (MK Smorf), fhdnh vien cua Hiep hpi San xudf Ihe Quoc fe ICMA; xep hqng fhi/11 frong Top 20 nhd sdn xudf fhe fhdng minh Idn nhaf fhe gidi Irien khai dp dung fhdnh cong quy frinh chdf lu'qTig an ninh son xudf fhe chip vd fhe fin dung, MK Smarf Sd Suq^c Hiep hpi vien fhdng fhe gidi G5M (GSMA) cap chung chi an ninh
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nhdn MK Su Sieu kien fhom gia sdn xudf vd cd fhe hoa fhe fhanh fodn quoc fe Nhdn sir kien ndy, lin hpc Ngdn hdng co cupc frao Soi vdi ong Nguyen Irpng Khang, Idng Gidm Soc MK Smarf, xin frdn frpng gidi fhieu cung ban Spc
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