Trong mdt the gidi dien tff, tien mat dien tff thdng dung, neu can thiet, se chi cd the cung cap mdt giao dien tieu chuan hda gifla cac tai khoan cd kha nang thanh toan bang tien mat[r]
(1)N G A N HANG TRUC TUYEN
Xu hifdng toan ky nguyen mdi
KHdl
DAU CUA N H O N G D U
DOAN
Trpng Kliang - Hoang Ha
"Cac thoi quen va xu hudng toan ky nguyen dien tii
cua nhiing nam 2010" la cong trinh nghien ciiu Harry
Leinonen va Ngan hang Trung Udng Phan Lan thuc hien, dUOc
gidi chuyen mon tren the gidi danh gia la mot cong trinh vT dai
va rat co ich doi vdi bat cU muon nghien cUu ve tUdng lai cua
he thdng toan d Chau Au hay toan cau
Xu hudng phat trien
Cac he thdng toan hien tai da trai qua nhieu giai doan doan phat trien cQng vdi sif phat trien cQa he thdng Tai chinh - Ngan hang the gidi Tuy nhien, cung nhU tat ca nhflng nganh cdng nghiep khac, cac he thdng toan dang d giai doan phat trien vUdt bac cung vdi sU ddi cQa nhiing djch vu dien tQ DDd la nhflng tien de mang Iai nhflng thay ddi ldn cac djch vu toan cua nhuhg nam diu thg ky 21
Cac he thdng toan cd ban la cac dich vu giao dich chuyen tien (fund transfer) Ket qua cudi cung cua tat ca cac hinh thffc toan khac la tai khoan cua ngffdi tra tien dffdc ghi np va tai khoan cua ngffdi dffdc tra tien tang them Dieu cung phu hdp vdi cac hinh thffc toan tien mat hien dai, nhflng ngffdi tra tien nit tien tff ATM va cac cffa hang gffi thang khoan tien tdi tai khoan ngan hang cQa hp Tien trinh phat trien hien tai cd nghia la chung ta cd the hy vpng chiing kien sff cai thien cac hinh thffc toan: Nhanh chdng hdn; Chi phi thip hdn; An toan hdn; De gffi va nhan hdn va Hda nhap tdt hdn vdi cac he thdng va cac chu trinh khach hang
Cac cdng cu toan dang hffdng tdi mdt Slf tdng hdp Nhflng khac biet gifla cac cdng cu bien mat chQng ta tiSn tdi xff ly toan gian-thffc va tdi mdt nln kinh ti thdi-gian-thffc ndi chung mpi ngffdi lien tuc kSt ndi vdi cac djch vu mang ludi nhanh chdng va re tien Se chang cdn bat cff nhu ciu tao sff khac biet ve mat ky thuat gifla cac cdng cu
thanh toan khac bdi vi mdt hinh thffc giai phap giao djch tin dung ket hdp vdi mdt tin nhan de nghj toan cd the thay the mdt each hieu qua tat ca nhutig cdng cu hien tai Tuy nhien, kha nang thda thuan thffdng hieu va hdp ddng khac se van tdn tai Cd xu hffdng toan rd rang hien d Lien minh Chau Au;
- Thanh toan khong tien mat dang thay the toan tiSn mat - Thanh toan dien tuf dang thay th6 cac toan dtfa tren giay - Djch vu trf phuc vu dang thay th6 hoat dong ngan hang chi nhanh - Lrftfng suT dung ATM dang giam xu6ng Ichi Irfang tieu thu the gia tang
- Lrfcfng siir dung the ghi ntf tang trrfolng nhanh hdn so vdi Irfdng suf dung the tin dung nhrfng xu hrfdng dang thay d6i
- Ghi ntf trrfc ti6p dang phat triSn cham chap
Tac dong cua each mang CNTT
Sff phat trien cQa CNTT se cd mdt anh hffdng Idn ddi vdi viec xQ ly cac toan Chi phi cho viec Iffu trff dfl lieu, xff ly va vien thdng se tiep tuc giam di nhanh chdng, cd ban la giam phan nffa mdi - thang (theo djnh luat Moore) Cac phffdng thffc lien lac tam gan (NFC) nhff cdng nghe "Nhan dang qua tan sd radio" - RFID - se cung cap cac kha nang
tffdng tac hoan toan mdi Bang thdng cQa cac hinh thffc lien lac khdng day tam xa se dQ re de dap ffng mpi nhu cau dich vu toan Cd nhieu yeu td cho thay DTDD thdng minh (smart phone) se trd cdng cu toan chQ yeu nhiing nam 2010 dieu ddi hdi nhiing tieu chuan bao mat, djnh vj va ndi dung dff lieu tdt Thiet bi di ddng cam tay cd tat ca nhffng tinh nang can thiet de trd cdng cu toan tffdng lai va cd the mang lai nhutig djch vu mdi me nhff dat ve dien tff (e-ticketing)
Dl tim mpt chuin toan chung
Mdt yeu cau can ban ddi vdi sff phat trien hieu qua cQa cac djch vu hien tai la nhffng tieu chuan toan toan cau chung Cac hinh thffc toan dien tQ can dffdc tieu chuan hda va de sff dung nhu e-mail Hda ddn dien tQ se hoan toan thay ddi each ghi hda ddn, cac quy trinh toan va se la khdi ngudn cQa nhuhg ldi ich rat ldn danh cho cac khach hang bdi su ttf ddng hda cQa cac quy trinh quan ly Cung cap cac djch vu toan di dpng se can sU hpp tac tdt gifla tat ca cac ben hen quan; ngan hang, nha cung cap djch vu vien thdng, nha san xuat DTDD va khach hang SU tang trffdng nhanh chdng cQa cac loai hinh toan dien tff ay se thay the vj tri chu dao cQa nhflng td tien giay vdn quen thudc lau xa hdi loai ngffdi Trong mdt the gidi dien tff, tien mat dien tff thdng dung, neu can thiet, se chi cd the cung cap mdt giao dien tieu chuan hda gifla cac tai khoan cd kha nang toan bang tien mat, nhff tat ca cac hinh thffc toan se dang ky trffc tiep vdi dau mdi cudi cung thdng qua cac mang lffdi Sff phat trien cdng nghe nhanh chdng hien se gan nhff cd the cd mpt anh hffdng ldn tdi cac dich vu nhflng nam 2010, mac dQ cac khach hang cd xu hffdng thay ddi nhffng thdi quen toan mdt each het sffc cham chap Nhieu diu hieu cho thay xu the cua nhffng thay ddi triet de tren thj trudng cac djch vu toan Nhflng "tay chdi mdi" nhu
(2)N G A N HANG TRJC TUYEN
Pal, cac hang vien thdng va cac nha cung cap dich vu khac dang gia tang vffng chac thj phan toan dien tff/di ddng ma khdng can nganh cdng nghiep toan truyen thdng trien khai nhflng dff an hay djch vu canh tranh Ha tang giao djch toan se dffa tren nen tang mang lffdi sff dung cdng nghe Intemet va se sff dung thdng diep chung xff ly cac djch vu dffdc tat ca cac nganh cdng nghiep khac dung den
Vai tro cua cac co quan quan ly
Thdi gian se nhanh chdng dat dau cham het cho cac trung tam lien quan toan dac trffng, mpi thff can thiet se san cd tren cac may chQ cQa nha cung cap djch vu tai khoan khoan Vay nhflng sff phat trien cua Td chffc Thanh toan chung Chau Au se dffdc cai thien sao? Ai se dieu hanh cac djch vu toan tffdng lai?
Cac cd quan quan ly ddng vai trd quan trpng viec hinh cac thdi quen tieu dung hien tai va dieu se cung cd the la tien de cho nhffng thay ddi tffdng lai Cac cd quan quan ly se phai ddi mat vdi sff toan cau hda dang len cao, cac cap dp hdi nhap va phffc tap cao hPn vdi sff phu thudc lan nhieu hdn gifla cac he thdng va nha cung cap dich vu ChQng ta se can sff hdp tac nhieu hdn nfla gifla cac cd quan quan ly vdi Dffdng nhff nganh cdng nghiep toan dang phai ddi mat vdi nhflng thay ddi cau trQc va cdng nghe Idn va sff can thiep chinh thffc se trd viec lam bet sffc can thiet nham thQc day sff phat trien va han che nhffng tac dung phu tieu cffc cd the De thuc day sff canh tranh nhflng nganh cdng nghiep dffa tren mang lffdi, cac cd quan quan ly can ban hanh nhiing loai quy che va giai phap mdi de tang cffdng canh tranh Nhin chung, nhffng thay ddi Idn cd the doan trffdc hien se can cac cd quan quan ly cap nhat ca chinh sach va quy che de dap iing cac nhu cau tffdng lai
Mdt sd bien phap thQc day va tang cudng hieu qua cQa he thdng cung thdi quen toan
I Phat trien mdt cudc ddi thoai md, linh boat, quy trinh -ddi- quy trinh chung va
mdt tieu chuan thdng diep toan cau thdng nhat cho tat ca cac hinh thffc toan vdi kha nang gan kem lffdng dfl lieu can thiet trffc tiep hoac nhiing phan dinh kem rieng biet
2 Phat trien giao dien toan de sQ dung tren DTDD, gdm cac chQc nang; "Khach hang vdi POS", "Khach hang vdi May ban hang", "Khach hang vdi May ban ve", "Khach hang vdi Khach hang" Phat trien dich vu nhan dang khach hang va ma hda dfl lieu chung de sQ dung cac mdi trffdng mang lffdi md De cac tieu chuan cho djch vu dat hang dien tff (e-ordering) va hda ddn dien tff (e-invoicing)
5 Gidi thieu he thdng djnh gia ngffdi dung cudi minh bach va hQy bd cac hinh thQc thda thuan dinh gia ngam va tai trd cheo (cross-subsidisation)
6 Phan tich giai phap tang cffdng canh tranh nao la can thiet nganh cdng nghiep toan
7 Tang cffdng sff tham gia cQa khach hang vao nhflng bffdc phat trien cQa djch vu toan nham thQc day hdi nhap hieu qua
8 Phat trien cac thda thuan toan va giao djch lien ngan hang phQ hdp mdi trffdng mang lffdi thdi-gian-thuc va dua tren giao djch cd kha nang thuc hien nhanh chdng
9 Phan tich nhflng lpi ich cQa viec phat trien thda thuan toan dffa tren mang lffdi thdi gian thffc sd hda hoan toan ma khdng cd nhffng chi phi bat budc xuat phat tff cac de nghj hien tai Cac djch vu toan dang d ngffdng cffa cQa mdt ky nguyen dien tff mdi cd hen quan tdi nhieu thay ddi ldn Lieu chQng ta se cd hinh thQc toan qudc te thdng nhat cung nhff nhflng nganh cdng nghiep mang lffdi dien tQ hda khac? Ai se la nha cac nha cung cap dich vu toan tffdng lai? Thdi quen toan cQa ngffdi tieu dung thay ddi nhanh nhff the nao? Su thay ddi thiet bj tu tinh trang hien sang cac cdng cu sd hda mdi cd the dffdc tiSn hanh theo phffdng each hieu qua nhat sao?i
(Tong hop vd gidi thieu)
T I N H AN TOAN VA
BAO M A T
(Tiep theo trang 18)
Ket ndi giffa cac he thdng thdng tin Ewallet: D I ma hda SSL vdi cac kSt ndi giffa cac he thdng thdng tin thi mdi phien giao dich, Ewallet va he thdng lien quan se tao cap khda RSA 2048 vdi key ngau nhien lam khda giao djch Mpi thdng tin trao ddi se dffdc ma hda vdi khda Dieu dam bao dfl lieu khdng bi Id hay thay ddi (vdi key ngau nhien ngoai hai he thdng giao tiep, khdng cd the giai ma dffdc tin)
Bao ve an toan dff lieu khach hang va nhan dang gian lan: FTL Ewallet cd he thdng ma hda dff lieu cau hinh dam bao an toan thdng tin he thdng Cac file dff lieu cau hinh thffdng Iffu cac dfl lieu nhay cam nhff user/password, dja chi IP, Port, v.v ket ndi den CSDL va cac he thdng khac Cac file se dffdc ma hda Triple - DES, giam thieu viec rd ri thdng tin
Ewallet cung cap bao cao nhan dang gian lan theo cac tieu chi nhff gia tri giao djch ldn bat thffdng, sd lffdng giao djch nhieu bat thffdng Dieu giup ngffdi sQ dung sdm phat hien cac giao djch nghi ngd gian lan tai khoan va kjp thdi cd bien phap ngan chan phu hdp
Quan tri he thdng nghiep vu: FTL Ewallet cd he thdng Provisioning de thffc hien nghiep vu Mobile Banking nhff dang ky khach hang, dat lai PIN/mat khau, ddng md tai khoan, dat Iai ban mffc, chuyen/ndp tien tai quay He thdng cd phan quyen cho NSD va nhdm ngffdi NSD, theo ddi thay ddi (log-ging), theo ddi truy cap (access log) giQp quan tri he thdng nghiep vu an toan Cac bien phap bao mat tren thda man hau het cac yeu cau khat khe ve an toan bao mat cQa Ngan hang Vi vay, Tien Phong Bank va Ngan hang Qudc te Viet Nam (VIB) da chap nhan giai phap cQa FTL de trien khai djch vu tdi khach hang cQa minh An toan bao mat be thdng ngan hang va thffdng mai dien tQ van cdn nhieu van de phai ban, FTL se khdng ngffng cap nhat cdng nghe giai phap nham dap ufng cac yeu bao mat mdi Viec nang cao van de bao mat toan se gdp phan dd bd rao can tam ly e ngai sQ dung djch vu dien tff trffc tuyen cQa khach hang linh VUc tai chinh ngan hang ndi rieng va thudng mai dien tQ ndi chung •