CC XU TH MI TRONG THANH TON DI NG

C HI V THCH THC CHO CC T CHC TI CHNH

H Ni, thng 5/2013

NI DUNG

Tng quan xu hng th trng thanh ton di ng trn th gii

C hi v thch thc i vi h tng thanh ton di ng ca Vit Nam

nh hng thanh ton di ng cho Vit Nam

QU TRNH PHT TRIN CA THANH TON IN T

THANH TON DI NG

L

XU TH CA TNG LAI

Tin mt

Internet

ATM/POS/Kiosk

Mobile

NFC

mPOS

1000 nm

trc cng

nguyn

Khong

nm 1967

Khong

thp nin

1980s

Nm 1999

Nm 2004

Nm 2004

QU TRNH PHT TRIN CA THANH TON IN T

CNG NGH THANH TON

LNH VC V HNH THC THANH TON

SMS/USSD Mobile wallet QR Code NFC mPOS

Chuyn tin C2C Offline payment Online payment Ticketing

Mobile Billing Khc

M HNH THNH CNG TRN TH GII

SQUARE

(Pay with Square)

MASTERCARD

PAYPASS PAYPAL

p dng ti hn 700,000

VCNT trn th gii, trong

ch yu tp trung ti Chu u,

M, Canada, c

Ngun:http://nfctimes.com

p dng cho khong 75,000 n

v chp nhn th nh.

Doanh s thanh ton di ng ca

Square tng t 2 t la (2011)

ln 10 t la. (2012)

Ngun: businessinsider.com 3/2013

p dng ti khong 3,000 a

im, bao gm c Home Depot,

Abercombie & Fitch , Hollister

Paypal x l khong 14 t

la gi tr giao dch thanh ton di

ng trong nm 2012.

Ngun: businessinsider.com 3/2013

M HNH THNH CNG TRN TH GII

NTT DOCOMO

(Osaifu-Keitai - 2004) LEVELUP

p dng cho 560 nghn ca hng ti Nht Bn

v hn 17 triu ngi dng.

NTT Docomo k tho thun hp tc vi

MasterCard cho php V Osaifu-Keitai chp

nhn thanh ton ti khong 500 nghn ca hng

chp nhn thanh ton PayPass ti 41 quc gia

trn th gii (10/2012 )

Ngun: http://www.nfcworld.com 10/2012

p dng cng ngh QR Code cho thanh ton

di ng ti khong 6,000 doanh nghip nh.

Hin c khong 500 nghn ngi dng vi

gi tr giao dch bnh qun thng khong 5

triu la (12/2012)

Ngun: http://gigaom.com/ 12/2012

TIN LI NHANH

CHNG GI R

P NG

NHIU NHU

CU

C HI V THCH THC

BO MT TIU CHUN M HNH

KINH DOANH

THI QUEN

S DNG

C HI

THCH THC

THANH TON DI NG L XU TH CA TNG LAI

NI DUNG

C hi v thch thc i vi h tng thanh ton di ng Vit Nam

Tng quan xu hng th trng thanh ton di ng trn th gii

nh hng thanh ton di ng cho Vit Nam

C HI

Dch

v

ph

i ti ch

nh

Truy vn thng tin ti khon

Dch

v

ti ch

nh

Truy vn lch s giao dch

Xem thng tin t gi

Tm kim a im ATM/PGD

Chuyn khon

Np tin dch v tr trc

Thanh ton ha n

Tit kim online

Nhiu dch v tin ch khc

Kh nng ng dng nhiu dch v

C HI

Mng li giao dch khng

dng tin mt, chp nhn

th pht trin rng khp

> 14,448 ATM

> 105,000 POS

> 54,9 triu th

H tng vin thng di

ng bao ph ton quc

21% ngi dn dng in thoi

thng minh

5% ngi dn dng my tnh bng

17 triu thu bao 3G

32 triu ngi s dng Internet

Ngun: Ericsson ConsumerLab

Ngun: Cc Vin thng 3/2013

Ngun: Bo co Hi th & NHNN 2012

17% website TMT B2C chp nhn

TTTT Ngun: Bo co TMT 2012

> 90% ngn hng c Internet banking

Khung php l cho TMT Vit Nam

Ngun: Bo co TMT 2012

Ngh nh 101/2012/N-CP v

Thanh ton khng dng tin mt

TC NG THC Y THNG

MI DI NG PHT TRIN

im mi: Quy nh r cc i tng iu

chnh trong hot ng TMT gm:

Thng nhn, c nhn, t chc VN hot

ng TMT trong lnh th VN.

Thng nhn, c nhn t chc nc

ngoi hot ng TMT trong lnh th

VN.

Thng nhn, c nhn, t chc hot ng

TMT ngoi lnh th VN nhng la

chn p dng lut VN

C HI

VIT NAM ANG NG TRC C HI LN PHT TRIN

LN SNG THANH TON DI NG TRN

TH GII S SM N VIT NAM

THCH THC

LA CHN HNG I PH HP?

Chun ha cho ton th trng

Bo mt

Thng ip

Qun l ri ro

Ph hp vi iu kin vi m

v v m

Ph hp vi trnh v thi quen tiu dng

1

2

3

THCH THC

NH HNG

CA CHNH

PH

CHNH SCH ?

THNG T

HNG DN

THC HIN

XY DNG

CHNH SCH

H TR PHT

TRIN

NI DUNG

nh hng thanh ton di ng cho Vit Nam

Tng quan xu hng th trng thanh ton di ng trn th gii

C hi v thch thc i vi h tng thanh ton di ng ca Vit Nam

TRUNG GIAN THANH TON PHI NG VAI TR TRUNG TM

TRONG VIC THC Y V CHUN HA TH TRNG

Pht trin gii php ton

din p ng nhu cu

ca th trng.

Phi hp vi ngn hng

xy dng mt chun kt

ni, nghip v cho ton th

trng.

Phi hp vi doanh nghip

xy dng cc chun giao

tip v thanh ton di ng

ph hp vi doanh nghip.

NH HNG CHIN LC N U XU HNG V THANH

TON DI NG TI VIT NAM

2

Hng ti nn tng thanh ton

ton din

1

Phi hp vi ngn hng hon thin

chun thanh ton trn nn tng di

ng ti Vit Nam

Chun cng ngh thanh ton

Chun quy trnh thanh ton

H tr mi loi hnh dch v thanh ton trn

nn tng di ng

Tng thch vi cc nn tng nh hnh

v c chun ha 3

T vn NHNN chun ha v mt

chnh sch cho th trng thanh

ton di ng

GII PHP CA SMARTLINK SN PHM MOBILE BANKING

Knh MOBILE xut hin theo

ng xu th pht trin knh thanh

ton di ng trn th gii

Tnh nng t c bn ti nng cao p ng nhu cu ngn hng

a dng tnh nng

H tr a dng thit b di ng trn th trng Thit b h tr ln

Nhn din thng hiu ngn hng cao Thng hiu

Bo mt bng ch k in t, SSL 128, m ho RSA, AES, 3DES,

xc thc nhiu yu t Bo mt cao

Smartlink Mobile Banking

GII PHP CA SMARTLINK SN PHM MOBILE BANKING

Trin khai dch v nhanh chng

Chi ph u t h thng hiu qu

Vn hnh dch v chuyn nghip

Nng cao thng hiu cho ngn hng

a dng dch v cho khch hng

LI CH

DCH V

CC XU TH MI TRONG THANH TON DI NG

C HI V THCH THC CHO CC T CHC TI CHNH

H Ni, thng 5/2013