Trong vdi ndm trd Igi day, cdc ngdn hdng tgi Viet Nam dang day manh ddu tU vdo cdc kenh phdn phdi NHDT de thu hut khdch hdng, chiem linh thi phdn, trong do chii trgng phdt trien manh n[r]
(1)CONG NGHE NGAN HANG III
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GIAI PHAP PHAT TRIEN INTERNET BANKING
TAI CAC N G A N H A N G THU'ONG MAI VI£:T NAM
ThS Nguyin Thi Hoang My ThS Lvfti Dulc Thinh NHTM Co phan An Binh
• ^ ^ ^^gdn hdng dien tvC (NHDT) Id dich vu ngdn hdng hien dgi cung cdp cho khdch M^^L I hdng he thdng cdc kenh phdn phdi dien tH de cung Ung cdc sdn phdm, dich m ^ ^ # vu da dgng nhU: Internet banking, Home banking, Mobile/SMS hanking, ATM, r-^- ^ " POS, Telephone banking Muc dich NHDT Id mang dich vu thdn thien, tien dung, tiet kiem thdi gian vd chi phi giao dich tgi tru sd ngdn hdng qua ndng cao hieu qud kinh doanh cda ngdn hdng Trong vdi ndm trd Igi day, cdc ngdn hdng tgi Viet Nam dang day manh ddu tU vdo cdc kenh phdn phdi NHDT de thu hut khdch hdng, chiem linh thi phdn, chii trgng phdt trien manh nhdt phdi ke den la kenh Internet banking (dich vu ngdn hdng qua internet) Trong hdi viet ndy, tdc gid gidi thieu doi net ve Internet banking, ddnh gid nhUng nhdn td tdc dgng den khd ndng phdt trien Internet hanking tgi Viet Nam vd dUa cdc gidi phdp phdt trien
Internet b a n k i n g
Internet banking I i dich vu cung c i p tu dpng cic thong tin san pham v i dich vu ngan hang thong qua dUdng truyen internet Day la mpt kenh phan phoi rpng cic san pham va dich vu n g i n hang tdi khach hang d bat cU nui dau v i d bat cU thdi gian nao Vdi may tinh ket noi internet, khach hang CO the truy cap vao website cua ngan h i n g de dUPc cung cip cac thong tin, hUdng d i n day dii cic san pham, dich vu ciia ngan hang Vdi ma so' truy cap va mat khau dupe cap, k h i c h h i n g co the xem so" du tai khoan, in ke, chuyen khoan, t o i n boa dcfn Internet banking la mpt kenh
phan hdi thong tin hieu qua giiJa khach hang va ngan hang, Internet banking se phat trien manh cac the he tre dan tham gia vao thi trUdng[4]
Tren the gidi, Internet banking da p h i t trien qua ba cap dp: (i) Cap dp 1: cung cap thong tin cP ban ve san pham, dich vu ciia n g i n hang eho khach h i n g ; (ii) Cap dp 2: cung cip cic giao dich cO ban thong qua internet/trang web, nop don cho cic dich vu, kiem tra tai khoan, nhUng chUa thuc hien b i t ky toan nao qua tai khoan; (iii) Cap dp 3: cung ci'p cic giao dich cao cap thong qua internet/trang web, cho phep khich hang chuyen khoan tai khoan hoac ngoai
he tho'ng, t o i n hda don va tien h i n h cac giao dich n g i n hang khac
De phat trien Internet banking can co sU p h i t trien ciia thuong mai dien tuT, sU day du ciia hanh lang phip ly ve thucfng mai dien tijf, sU lien ket giufa cac n g i n hang vdi nha cung cap, sU p h i t trien cua boat dphg toan khong dung tien mat, sU p h i t trien va bao mat cua he tho'ng cong nghe thong tin
Danh gia thxic trang va kha nang phat trien Internet banking ciia cac ngan hang thifcfng mai (NHTM) tai Vi$t Nam
Trong thdi gian qua, cic NHTM tai Viet Nam da CO sU dau tu manh me giai
(2)II CONG NGHE NGAN HANG
p h a p I n t e r n e t b a n k i n g de I n t e r n e t b a n k i n g t r d t h a n h mpt k e n h giao dich k h o n g k e m h i p d i n so vdi cac n g i n h a n g nUde ngoai Tuy n h i e n , sd c i c N H T M cung cap I n t e r n e t banking, di dau v a n la n h o m c i c N H T M cd p h a n , dien b i n h I i n g a n h a n g ACB, Techcombank, DongAbank, Sacombank, LienVietbank cic Ngan h a n g N h a nUdc hoac n h a nUde n a m giCf p h a n ldn vdn n h u Agribank, Vietcombank v i Vietinbank thi mdi trien khai mpt vai t i n h n a n g ccf ban BIDV dang giai doan k h a n trUcfng trien khai Trong dd, cae n g a n b a n g nUde ngoai tai Viet N a m nhU HSBC, ANZ da va dang cung cap c i c k e n h giao dich mpt cich r i t chuyen nghiep t r e n thi trUcfng Viet Nam
ACB la n g a n h a n g nUdc CO sU dau tu m a n h me nha't giai p h a p I n t e r n e t banking, cho phep k h i c h b a n g co the giao dich nhieu tien ich k h i c De thUc h i e n dupe dich vu da dang t r e n , ACB la n g a n h a n g dau tien Ung dung Core-banking vao n a m 2001 va b a t dau trUc tuyen boa c i c giao dich n g i n h a n g t u t h i n g 10/2001 thong qua he quan tri nghiep vu n g a n b i n g b i n le (TCBS- The Complete Banking Solution), day cung I i dieu kien t h u i n lpi de n g i n h i n g sdm p h i t t r i e n I n t e r n e t banking bun c i c n g i n b a n g khac[2] N a m 2007, Techcombank cung da b i t dau cung cap dich
vu I n t e r n e t b a n k i n g vi theo n g a n h a n g n a y dau tU cho b o a t dpng cua NHDT la dau t u cho tupng lai
Ve t i n h n a n g bao m a t : k h i c h h i n g d a n g ky suf dung dich vu true tuyen I n t e r n e t banking, n g a n h a n g cung c i p cho k h a c h h a n g m a t k h a u giao dich hoac m a t k h a u mpt l a n (OTP) b a n g c i e h gufi tin n h a n co ma x i c thUc de'n sd dien thoai da dang ky cua k h i c h h i n g hoac t h e xac thUc hoac thiet bi Token key la thiet bi tU dpng sinh m a t khau (ma bao mat) n g i u n h i e n gdm chCf sd^ va chi boat dpng vdi
mdi m a sd k h a c h h a n g tUOng Ung Mpt sd n g a n h a n g nudc bien dang suf dung thiet bi bao m a t token key (Bang 1) Vdi t h i e t ke nhd gpn, k h i c h h a n g co the luon m a n g ben m i n h de suf dung mpi luc mpi nofi c6 mpt m i y t i n h k e t ndi internet Mdi mat khau sinh r a t r e n Token Key chi dupc sijf dung mot lan n h a t va khong trung lap
Ngoai nhUng nd lUc cua cac n g a n h a n g , nhieu n h i n td k h i c eung hd t r p cho sU phat t r i e n I n t e r n e t banking d Viet N a m n h u sU p h i t t r i e n cua k i n h te xa hpi, sU h o i n chinh
Sang
S T T
^ 1: Ti$n i c h I n t e r n e t b a n k i n g
Ti^n ich
A- Dich vy truyen thong
1
2 3 4 5
Tra ciru thong tin tai khoan, thong tin giao dich
Chuyen khoan ciing he thong Chuyen khoan khac hij thong Gui tiet ki^m
Thanh toan tr^rc tuyen hoa don
B- Dich vu niing eao
1
2
3
4
5
6
7
8
Chuyen tien den nguoi nhan bang chung minh nhan dan Passport Yeu cau cung cap hoi phieu Tao, cap nhat, tat toan tai khoan tien gm
Vay, loan tien vay true tuyen Giao dich lien quan san pham the: dang ky lam the, gia h^n, bio mat, n^p tien, tang giam han muc Mua ban ngo^i t§, quyen lya chpn mua ban ngoai t§
Chuyen khoan nu6c ngoai Doanh nghiep tra luang cho nhan vien
C- Tinh nSng bao mat
I
Ma xac thyrc The xac thi/c OTP SMS, Token key Smart card hoic chung thu dien tu
c u a mpt so NHTM
Cac ngan hang va ngo^i nir&c hoat d^ng tai Vi|t Nam
Siicom
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X
'^ A C B
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mb^r^'
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X
X
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DonyABan k
X
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X
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Tecli-" X X X "
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HSBC
' X
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X X
^
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X A N Z
' X X X ^
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*X-c6 tien ich
Nguon: website cdc Ngdn hdng Sacombank, A Chau, Vietcombank, Bong A, Techcombank, HSBC vd ANZ vd tim hieu thong tin qua Call Center cdc ngdn hdng[5]
nganhang
(3)CONG NGHE NGAN HANG 11
cua h i n h lang p h i p ly, sU dung i n t e r n e t se tiep tuc t i n g t i e n bp cua cong nghe thong 10 n a m tdi vdi mUc t i n d a m bao cho I n t e r n e t t a n g trung b i n h n a m la 10% b a n k i n g co t h e p h a t t r i e n mdi n a m Do do, t i e m n a n g
B a n g 2: Toe dp t a n g t n i d n g GDP va thu n h a p b i n h q u a n d a u ngtfcfi Vi?t Nam, d a n so' Vi$t Nam giai doan 2006-2010
Theo gia thirc te GDP theo VND TCngGDPquiUSD GDP binh quan dau nguoi Dan so
Chi so phat trien nguoi (HDI- Human Development Index)
floB vi
Ngh.ty dong TyUSD USD trieu ngudi
2006 974
61 730 83 0.718
2007 1.144
71 843 84 0.725
2008 1.485
90 1.052 85 0.572 (*)
2009 1.685
92 1.064 86 0.566(*)
2010 1.980
105 1.214 86,5 0.572(*)
Nguon: Tdng cue Thdng ke, UNDP [6]
t a i Viet N a m t r o n g giai d o a n p h i t t r i e n linh vUc dich sap tdi vu I n t e r n e t b a n k i n g la r a t cao
• MUc dp p h i t t r i e n cua (Bieu dd 1)
kinh te, xa hpi nhU: d i n sd • Co sd p h i p ly: viec r a ddi
B i e u 1: So ngi^oli svC d u n g i n t e r n e t tai Vi^t N a m qua c a c n a m
So ngu'd'i su' dung Internet
30000000 25000000 20000000 15000000 10000000 -5000000
0
22779887 20834401 —
17718112 14683783 10710980 • 6345049 H i • 3098007 H | H I H
^mt-Ml-Ml-M ^
2003 2004 2005 2006 2007 2008 2009 2010
Nguon: Trang http://www.thongkeinternet.vn/jsp/trangchu/index.jsp tre, t a n g trUdng GDP d mUc
cao, thu n h a p binh quan dau ngUdi tang, d i n so' t a n g di kem t r i n h dp d a n tri mpt cao la thi trUdng rpng ldn v i r i t phu h p p cho c i c n g i n h a n g Viet N a m viec dau t u p h a t t r i e n k e n h p h a n phdi I n t e r n e t b a n k i n g (Bang 2)
• Su gia t a n g sd lUpng ngUdi sijf dung i n t e r n e t : theo Udc t i n h eua Trung t a m I n t e r n e t Viet N a m , sd lupng ngUdi sijf
luat, cae quyet dinh lien quan eac giao dich dien tuf b o a t dpng t a i chinh da t a o CO sd, dieu k i e n cho viee p h i t t r i e n I n t e r n e t b a n k i n g theo chieu hudng n g a y mpt t h u a n lpi va a n toan Cho den nay, b o a t dpng N H D T chiu sU chi phd^i ciia c i c cO sd p h i p ly sau [3, 6]:
- L u a t Giao d i c h d i e n tuf so / 0 / Q H l l , n g i y 29/11/2005 cua Qude hpi Nudc
Cpng boa Xa hpi Chu nghia Viet N a m
- Quyet dinh sd 35/2006/QD-N H 35/2006/QD-N 35/2006/QD-N , n g i y 31/07/2006 cua N g i n h a n g N h a nUde ban h a n h Quy dinh ve cac nguyen t a c quan ly riii ro b o a t dpng NHDT
- Nghi dinh sd 57/2006/ND-CP, 09/06/2006 cua C h i n h phu ve ThUPng m a i dien tijf
- Quyet dinh sd 04/2006/QD-N H 04/2006/QD-N 04/2006/QD-N , 18/01/2006 cua N g i n h i n g N h a nUdc ban h a n h Quy che a n t o i n , bao m a t he thd^ng cong nghe t h o n g tin n g a n h n g i n h a n g
- Nghi dinh sd 27/2007/ND-CP, 23/02/2007 cua Chinh phu va Thong tU sd 78/2008/ TT-BTC n g i y 15/09/2008 cua Bp Tai chinh ve Giao dich dien tiJf boat dpng tai chinh va Hudng dan thi h a n h npi dung Nghi dinh sd 27/2007/ND-CP - Nghi dinh sd 35/2007/ND-CP, n g i y 08/03/2007 cua Chinh phii ve Giao dich dien tijt b o a t dpng n g i n h i n g - Nghi dinh sd 26/2007/ND-CP, n g a y 15/02/2007 cua Chinh phii chi tiet t h i b a n h Luat giao dich dien tuf v i chU ky sd ve dich vu chUng thUc chii' ky sd^
• C P sd h a t a n g cong nghe: h a t a n g cong nghe n g i n h n g a n h a n g da co nhiing bUde t i e n vUpt b i c thdi gian qua, tiep can vdi cong nghe tien t i e n t r e n t h e gidi Viec dau tU cho cong nghe t h o n g tin h i e n dupe coi la mui nhpn, I i giai p h a p can t h i e t de thUc
Cong nghe ngan hang
(4)I CONG NGHE NGAN HANG
hien ddi mdi nganh n g i n h i n g Ngoai ra, dUng trUde yeu cau hpi nhap WTO, cac ngan bang nUde dang lien ket nham tao eae gii tri mdi cho linh vUc [1] Internet banking la dich vu nhieu tien Ich v i day tiem nang nhUng hien tai dich vu chua dupe nhieu k h i c h h i n g sijf dung mpt so' ban che nhU: tinh bao mat chUa cao; giijfa cic ngan hang vdi va cic n g i n h i n g vdi nha cung cap thieu sU lien ket; moi trUdng p h i p ly NHDT chUa hoan chinh; thoi quen diing tien mat cua ngUdi dan; thoi quen toan, giao dich chu yeu qua tru sd eua ngan h i n g [3]
Giai phap phat trien Internet banking ciia cac ngan hang Viet Nam
Cic ngan hang can tang cUdng dau tU vio mang cong nghe thong tin de p h i t trien giai p h i p Internet banking vdi chUe nang bao mat td^t nha't Theo chuyen gia an ninh mang thi de t r i n h tinh trang nguy cof an toan bao mat, cae n g i n hang can xiy dung cho minh be thd^ng Internet banking an t o i n tU luc su khdi Theo tinh toin, chi can 5-10% chi phi tdng so' hang trieu la bd dau tU x i y dufng he tho'ng NHDT la cic n g i n b i n g d i co the yen tam ve nang lUc bao mat [1]
Ben canh do, de giup khach hang hieu bun ve dich vu Internet banking, cic ngan hang can khuyech trUcfng quang cio, cung cap thong tin ve dich vu de giup ngudi dung tin cay, hieu ro hcfn ve tien Ich, tinh bao mat, an t o i n cua dich vu
Ngoai ra, de tang cUcfng nang lUc canh tranh va thi phan, n g i n h i n g can tao san pham rieng biet, die thu dupe p h i n phoi qua kenh Internet banking: chang ban san pham huy dpng tien giJfi vdi lai s u i t cao d i n h cho nhan vien n g i n hang, n h i n vien cd dong chien lUpc; san pham cho vay can bp n h i n vien CO t o i n lUofng qua ngan hang; san pham quan ly tai khoan dd^i vdi khich hang doanh nghiep, san pham md thu tin dung; cac san pham cho vay die thu
Nganh t i i chinh ngan b i n g dang ddi mdi bUdng den chuan mUc qud^c te thong qua viec dau t u b i e n dai boa cong nghe, tang cUdng nang lUc quan tri, da dang hda kenh p h i n phoi va s i n pham dich vu Dich vu Internet banking la dich vu tUcfng lai, mang lai lpi ich cho khach h i n g , giiip n g i n hang nang cao nang lUc canh tranh ddng thcfi gop phan thuc day sU p h i t trien ciia nganh n g i n hang noi rieng va kinh te Viet Nam noi chung"
Tai lieu tham khao
1 BS Van HUu (2005), Thuc ddy phdt trien ngdn hdng dien td d Viet Nam, Tap chi Tin hoc Ngdn hdng, ngdy 24/06/2005
2 Luu Thanh Thdo (2008), Phdt trien dich vu ngdn hdng dien tie tai NHTM CO phdn A Chau, Ludn vdn thac si kinh te
3 Nguyin Binh Thdng (2010), Pho chu tich Hiep Hpi Phdn mem Viet Nam (VINASA), ting dung ngdn hdng dien tit todn khong dung tien mat, Bdo cao tai Bai hpi cda Hiep hpi doanh nghiep phdn mem Viet Nam (Vinasa), ngdy 3/11/2010
4 Wally Northway, ABA Study: Popularity of Online banking grow-ing, Mississippi Business Journal (10/2010)
5 Trang web cua cdc NHTM Sacom-bank, A Chdu, VietcomSacom-bank, Bong A, Techcombank, HSBC vd ANZ
6 Cdc trang web: http://www.gso com.vn, http://data.un.org, http:// www.sbv.gov.vn
nganhang
http://www.thongkeinternet.vn/jsp/trangchu/index.jsp http://www.gso http://data.un.org,