- An toan va dang tin cay; Co chttc nang thanh toan ttt The sang The; Tang cttdng bao ve bing PIN kep; Kha nang truy tim cac giao djch cho viec tao ra eac bao cao chinh phi; Tinh lin[r]
(1)CONG NGHE VA DjCH VU THE
CAC NGAN HANG OMAN l(NG DUNG CONG NGHE DUET
TRONG VIEC PHAT T R I I N HE THdNG THE THONG MINH
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Diim H^ng - Tlial Khang
Ngan hang Oman Arab (OAB) la ngan hang doanh nghiep s61 d Oman, hk dSu hoat dong tuTnam 1972, vdi 46 chi nhanh tren toan qudc OAB la mot chi nhanh cua Tap doan ngan hang A Rap d Jor-dan, la tap doan ngan hang nhit va rong Idtn nhSt ol Trung Dong OAB dtfdc Chinh phu giao trien khai cong nghe DUET tren toan lanh th6 Oman va ho da cong bdi nhObg giai phap cu the, thiet thrfc
1 SU can thiet cho mot giai phap thanh toan tai OMAN
Trttdc gidi thieu he thdng toan the thdng minh, Chinh phu Oman thu cac khoan toan bang tien mat vii sec - qua trinh toan chu yeu tren giay, tdn nhieu thdi gian, nhieu khd khan viec dieu vdn Oman da thu dttdc hdn 2.5 tl USD bang den giay va xu va hdn 0.5 trieu tam sec mdi nam Chi phi quan Iy tien mat va sec cdng vdi qua trinh thi cdng cham chap tao nen rat nhieu lang phi Trong dd, Chinh phi van gap phai cac thach thttc ngan can stt chuyen ddi sang mot giai phap toan khdng dung tien mat nhtt phi giao djch cao, van de bao mat toan, bao ve cac thdng tin nhan dang/nhan than Chinh phi can mot he thdng toan dja phttdng, ndi dia dttdc quan ly, boat ddng, xi Iy vdi tinh nang phuc hdi day du ttt cac mdi hiem hoa ndi bd Vttdng qudc cho cac thdng tin (nhay cam hoac khac) khdng bj rd ri khdi vttdng qudc
Hdn ntta, viec toan cho cac giao djch ban le van tdn tai nhieu van de diin den phttdng thttc thu tien mat, sec va cap quyen ttUc tuyen cho cac the toiin cdn ban che Cac chttdng trinh dang tin cay khdng tdn tai, va chi phi thttc bien cac giao djch ATM rat cao Hau nhtt ctt dan cua Oman thttdng s i dung bet han mttc tin dung cua the tin dung ma hp khdng biet rang cac mttc phi giao djch va lai suat den ky phai tra se tiidng ddi cao Cudi
cung, yeu cau cia Chinh phi la phai phat trien dttdc mdt san pham bao gdm ca hai khoan nd va cac tinh nang tin dung, nhttng cung phai du linh boat de cho phep toiin bd eac thdng sd tin dung va vay nd se dttdc djnh rd bdi eac djnh che ngan hang ttt nhan tren thi trudng Ngoai ra, cd the load san hoac cho phep load them cac ufng dung tren the nham dap ttng cho cac yeu cau bd sung
Ngan hang Oman Arab la ngan bang doanh nghiep sd d Oman, bat dau boat ddng ttt nam 1972, vdi 46 chi nhanh tren toan qudc OAB la mdt chi nhanh cua Tap doan ngan hang A Rap d Jor-dan, la tap doan ngan hang nhat vii rdng ldn nhat d Trung Ddng OAB dttdc Cbinh phu giao phd trach nhiem giai quyet nhttng thach thttc khd khan ma chinh phi va nganh cdng nghiep toan dang phai ddi mat bang viec xay dttng cd sd tang va sau dd cung cap cac djch vu toan dien t i cho chinh phu Oman d ca hai khu vttc ban le va doanh nghiep OAB nhan thay tiem nang vii cac cd hdi kinh doanh stt menh vii san sang thttc hien yeu cau dau tu ban dau de mao hiem ITnh vttc kinh doanh va da dat dttdc thiinh cdng
2 Tai cin phai chuyin sang the thong minh?
- Cung cap mot nen tang cdng nghe xay dttng mdt xa hdi khdng diing tien mat thdng qua EFT (chuyen ngan dien ti) bang viec cung cap mdt sir thay the tien
mat thiTc te Muc tieu la cung cap mdt nen tang cdng nghe nham giam 70% lttu Ittpng s i dung tien mat den nam 2010 - Giam viec s i dung cac the qudc te cho cac giao dich dja phttdng d Vttdng Qudc Oman
- Giam tdng chi phi giao dich eua chu the va chi phi boat ddng (Cdng nghe chuyen ttt the-sang-the (card-to-card) cd the chi dap ttng cac yeu cau cho giai phap trttc tuyen vii ngoai tuyen, cho phep mdt khdi Ittdng cac khoan toan thttdng xuyen khdng can phai tai dau ttt cho cd sd tang vien thdng, ket ndi mang khdng day va thdi gian ket ndi trttc tuyen)
- Tang kha nang cung cap cac chttdng trinh hien dai va dang tin cay bang viec s i dung cdng nghe tdi tan
- Thttc hien mpt he thdng de bao hanh, hoat ddng va quan ly cd giao dien/tich hpp vdi be thdng tuyen sau bien thdi
3 Yeu cau va iua chpn giai phap
OAB dang tim kiem mot giai phap an toan khdng chi cung cap mdt chu ky toan chinh phi khep kin, ma cdn mdt nen tang cdng nghe de cung cap dich vu toan trpn gdi cho khu vttc ban le (B2C) nhtt cac sieu thi, cac quan ca phe, cac nha hang, cac cia hang, cac khach san va khu vttc doanh nghiep (B2B) OAB yeu cau mdt he thdng toan dja phttdng rdng khap Dac biet hdn, giai phap niiy phai hdp nhat va dam bao cac tieu chi:
(2)CONG NGH VA DjCH VU THE
- An toan va dang tin cay; Co chttc nang toan ttt The sang The; Tang cttdng bao ve bing PIN kep; Kha nang truy tim cac giao djch cho viec tao eac bao cao chinh phi; Tinh linh hoat cho eac san phim tttdng lai va cac cd hdi bao gdm eac chttdng trinh trung thanh; Cac toan qua intemet dttdc uy quyen trttdc (pre-au-thorized); Kha nang phat hiinh cac the tdi nhttng ngttdi tieu dung khdng cd cd bdi tiip xuc vdi cac djch vu ngan hang; Nap the de diing, thuan Idi; Phu hdp vdi cac khoan toan tien Idi cho chinh phi, Doanh nghiep va kinh doanh ban le; Kha nang cung cap chUdng trinh tin dung dtta tren the dja phttdng ben ngoai pham vi cac djch vu toan the qudc te va s i dung liii suat tin dung thap
Vdi, cdng nghe DUET s i dung he thdng the thdng minh BGS, OAB da tim thay mot giai phap toan trttc tuyen va ngoai tuyen ttt The sang The dtta tren stt uy quyen trttdc cia khach hang cho ngan hiing vdi tinh linh boat cao va thdi gian tiep can thi trttdng ngan OAB cung da yeu cau bd sung them cac san pham theo yeu cau cua khach hang vii dac tinh de phu hpp vdi ciic yeu cau kinh doanh cia hp, tat ca deu dttdc cung cap bdi be thdng the thdng minh BGS
Trttdc OAB xac djnh giai phap niiy, mdt thoa thuan dttdc thiet lap vdi chinh phi Oman de dam bao cho stt chuyen ddi sang he thdng toan dien t i dien sudn se Chi vdng mot nam OAB da trd nha cung cap nhat cac djch vu toiin dien t i cho chinh phu Oman
4 Xay dung va triin kM giai phap
OAB ddi mat vdi thach thttc cia viec chuyen ttt vai trd thdng thttdng cia ngan hiing vii nha cung cap cac djch vu tai cbinh sang vai trd mdi la nha cung cap diiy du ciic djch vu ttng dung (ASP), cung cap toiin bd giiii phap ttt A din Z nhtt thi Iii nha cung ciip djch vu dttdc chinh phi Oman uy quyen De quan ly hieu qua qua ttinh mdt khoang thdi gian nhit djnh OAB vii chinh phii da si dung nhiiu phttdng an khac Cbinh phu da ban
hanh chi thj dd, vdi mdt khoang thdi gian, cac khoan toan se khdng cdn dttdc chap nhan bang tien mat hoac chi phieu, cac khach hang se phai thay ddi dung the thdng minh de tien hanh toan cac giao djch cia hp
Trttdc tien, OAB da thiet lap cac chi nhanh nhd ben canh mdt vai cd quan cua cac bd nganh de dttdc hd trp true tiep toan giao dich cho cac nhan vien cia minh Cac khach hiing thi toan bang tien mat va sec se dttdc chuyen httdng tdi cac chi nhanh nhd cua OAB, ndi hp se dang ky the thdng minh va uy quyen trudc cho ngan hang, the thdng minh mdi cua hp dttdc trtt tai tai khoan luc dd Giao dich toan cd the sau dd dttdc bd sung stt dung the thdng minh Trong sudt qua trinh nhan vien chinh phu cung dttdc diio tao de s i dung cdng nghe mdi Phttdng an thtt hai Iii giao due va dao tao ca khach hang la nhttng ca nhan ban le va khach hang doanh nghiep tai chi nhanh ngan hiing ndi hp mua hang va uy quyen trttdc cho ngan bang qua cac the thdng minh cua hp Phttdng an thtt Iii ctt cac chuyen gia ngiin hang tdi vung ndng thdn thj, sau dd hp se thttc hanh dao tao cho cac chi nhanh ngan hang va cac nhan vien chinh phu, va nhttng nhan vien sau dd se dao tao cac khach hang cia hp viec s i dung he thdng toan the thdng minh Tat ca cac hoat ddng, quan Iy va x i Iy giao djch se dttdc dieu hanh bdi OAB va Cbinh phi Vttdng Qudc Oman, dd dam bao tuan thu cac yeu cau ve tinh bao mat chat che Vao dau nam 2003, chinh phi Oman va OAB da tien khai he thdng toan the thdng minh cho chinh phu dien t i dau tien tai Oman Cac the thdng minh dttdc thiet ke ban dau cho chinh phi se chi cd the boat ddng dttdc d cac van phdng chinh phu; hp khdng the dung dttdc d bat ctt cia hiing ban le hoac cia hang doanh nghiep nao khac va ngttdc lai Tinh Unh hoat cua nen tang cdng nghe DUET cho phep ngan hang A Rap Oman thttc hien dieu vii chi ddng trien khai nhieu quyet djnh cbinh sach khac
5 Ket qua mang lai: