TAP CHi CONG THlTlfNG
CONG NGHE TAI CHINH FINTECH VA KHA NANG AP DUNG TRONG NGANH
TAI CHINH VI MO TAI VIET NAM
• TA THU HONG NHUNG - N G U Y I N MANH HUNG
TOM TAT:
Cdng nghe tai chinh Fintech da, dang vd se tao ra nhffng Ian song thay ddi rd't ldn trong nganh Tai chinh ngan hang. Fintech cho phep ngtfdi diang sijf dung dich vu ngdn hang di dpng nhanh chong, thuan Idi chi bdng chide didn thoai thong minh, nhtfng ddy lai la mot thach thffc rat ldn dd'i vdi nhffng id chffc lai chinh truyen thd'ng, trong do cd cdc ngdn hang thffdng mai truyen thd'ng va cac td chffc tai chinh vi md (TCVM). Bdi vid't nay gidi thieu cd ban ve Fintech, cac san ph^m ap dung Fintech vao linh vtfc tai chinh vi mo tren the' gidi va kha nang dp dung tai Vidt Nam, ddng thdi dffa ra mdt vai de xud't cho nganh Tai chinh vi md trong thdi dai cdng nghd 4.0.
TuTkhoa: Cdng nghd tai chinh Fintech, tai chinh vi md, ngdn hang di dpng, Viet Nam.
1. Cac vSn dd cd ban vd Fintech va cac san pli^m ap dung Fintech trong tai chinh vi mo trdn the'gidi
Fintech la thudt ngff dtfdc sff dung rdng rdi trong nhffng nam gan day vdi thdi dai cong nghd 4.0.
Fintech Id Iff viel tat cua Financial va Technology, nghla la cdng nghe lai chinh. Ngdnh Tai chinh hien dai cd ffng dung nhffng cdng nghe cao, tich hdp cac ffng dung trdn cd sd dien loan dam may giup ngffdi dung tid'p can va sff dung cac dich vu ldi chinh chi bang ehie'c dien thoai di ddng. Trong qud trinh hinh thanh va phat trien, Fintech dd lao dtfng mdt he sinh thai gom cdc ye'u to van ddng, phdt trien, ttfdng hd, ddng gdp vdo stf phat trien cua cdng nghe tdi chinh, gdm cac yd'u to:
- Cac cdng ty khdi nghiep Fintech hoat ddng trong ITnh vtfc nhtf thanh loan, qudn ly tai sdn, cho vay, gay quy cdng ddng, thi trtfdng vdn vd cac cdng ty fintech bao hiem.
~ Cdc nha phdt trien cdng nghe, cung ffng hoat ddng phdn tich dff lieu ldn, dien todn dam may, tien dien iff va cac nha phat tnen truyen thdng xa hdi.
- Chinh phu dai dien cho phia cd quan quan ly va xdy dffng he thd'ng phap ly dieu chinh.
- Khach hdng tai chinh la cac ca nhan, doanh nghidp, td ehtfc sff dung dich vu.
" Cac td chffc tdi chinh truyen thd'ng la cac ngdn hang thffdng mai truyen thd'ng, cdng ty bao hiem, mdi gidi chffng khoan cac cdng ty, va cac nha ddu tff mao hiem.
Cdc mo hinh md to chdc tdi chinh vi mo dng dung Fintech tren the'gidi
Thanh lodn di dong: Tai Pakistan, ty le ngffdi sff dung cdc dich vu tai chinh la 12% nam 2008, tdng len 23% vao ndm 2015 nhd sff tang trtfdng nhanh cua dich vu vi dien tff vd thanh toan dien tii (Dawn, 2017). Bao cao ciia ddn vi thdng kd kinh te Pakistan neu ra nguydn nhan thuc day ldng
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TAI C H I N H - N G A N HANG-BAO HIEM
tnfdng kinh td' la nhd vdo viec phat trien thanh toan di dpng va thanh todn dien iff.
Tiin gdi tiet kiem: Tai Uganda, nam 2014, Grameen Foundation va Airtel Uganda da dtfa mot tfng dung tie't kiem tren dien thoai cho mot nhdm gu'i del kiem (Nhom gffi tidi kiem lam tang Iifdng lien tich luy ciia ca tdp the vi mdi cd nhan doc lap khdng de rut). Dich vu nay vdi muc dich giam sff dung tien mat cua nhdm, ddng thdi cd the sff dung dich vu thanh loan qua dien thoai bang each sff dung vi dien tff chung cho ca nhdm. Hang ky, cdc thanh vidn trong nhdm cd the dpc sao ke giao dich va cd the ke't hdp vdi tai khodn tai ngdn hang de su" dung cac dich vu khac cua ngdn hdng.
Bdo hiem vi mo: Thdng thffdng cac cong ly bao hidm thtfdng htfdng de'n vide da dang hda cdc san pham bao hiem, thi mot cdng ly d An Dp dd dau W vao bao hiem vi md qua cac td chffc lai chinh vi mo va cdc id chffc phi chinh phu. Canh tranh trong ITnh vtfc bao hiem se ngdy cdng tang khi hien nay xu htfdng loan cau hda ffng dung khoa hpc cdng nghe va sau nay cdc san pham bao hiem vi md se dffdc cung cd'p chi thdng qua didn thoai thdng minh.
ATM cho ngudi ngheo: Y iffdng dffa ra Id each thffc de nhffng ngffdi ngheo cd thu nhdp tha'p, il am hi^u ve nhffng kie'n thffc vd ngdn ngff trong lai chinh de dang sff dung mdy ATM. Tai An Dp, mot ngan hdng nhd ten la Ujjivan da thid't lap may cd the dpc dd'u van tay va so sdnh irdn chffng minh thtf.
Ujjivan da hdp tdc vdi cdng ty He thdng va Phan mem Tai chinh - FSS, cdng ty Fintech cung cd'p djch vu thanh todn tai chinh loan cau. FSS quan Iy hdn 30.000 ATM cho hdn 30 ngan hang, tdng sd 207.000 ATM. Nhffng thie't bi nay cho phep ngtfdi ngheo ky gffi va nit .so tien nhd nhff 1,50 dd la vdi danh muc co 24 ngdn ngff va ho trd gipng ndi.
He thdng thong tin cho tdi chinh vi mo: He thd'ng thong tin la he thd'ng thie't ye'u trong thdi dai cdng nghe sd, va gan nhtf la bat budc nd'u mdt id chffc ldi chinh mud'n hoal ddng tdt. To chffc ldi chinh vi md Finca, Tazania thd'ng ke la ho phai ma't 22 ngay khi xiJly mdt ddn yeu cau vay vdn nd'u sff dung chffng t&gid'y, hien nay, hp da giam ihdi gian xff ly chffng tiJ xudng con 2 ngay thdng qua vide dung so' hda iJngdung.
Nam 2017, tai Pakistan da cd II ngdn hang vi ni6 ap dung phan mem ngan hang cdi Idi cua cong
ty Temenos, giup giam chi phi hoal ddng. Tai Nigieria, cdng ty Oradian dang lam phan mem dac biet cho cdc to chffc tdi chinh vi md, cung cap dich vu phan mem Soft as a Service - SaaS, mdt trong nhtfng dang didn loan dam mdy phd bie'n nha'l.
Trong do nha cung cd'p khdng bdn sdn pham phan mem ma ban dich vu dtfa trdn phan mem dd, khach hang cd the truy cap iff xa thdng qua internet sau khi tra mdt khoan phi dang ky dinh ky.
Ben canh do, nhieu td chffc TCVM hien dang chia se he thd'ng thdng tin ndi bd cua hp vdi cdc id chffc khac, giup thu hdi mot phan chi phi dau ttf
2. Kha nang ap dung Fintech trong Rnh vtfc tai chinh vi mo tai Viet Nam
2.T Ve hogt dong tdchdc TCVMtgi VietNam Tinh den thdng 12/2018, Viet Nam cd 4 td chffc da dffdc Ngan hang Nha ntfdc ca'p phep la td chffc TCVM Tinh thtfdng (TYM), td ehtfc TCVM M7, td chffc TCVM Thanh Hda MH, id ehtfc TCVM cho ngtfdi lao ddng ngheo itf tao vide iam (CEP), hdn 150 chtfdng trinh, dtf dn Id ehtfc vi md bao gdm cd cac to ehtfc ban chinh thffc va phi chinh thffc. Theo ihd'ng kd, hien cd gdn 10 trieu ngtfdi ngheo, chu ye'u la ngtfdi dan tpc thieu sd, vung sdu vimg xa, vung ndng thdn heo Idnh, nhffng ngtfdi Id dd'i ttfdng cua lai chinh vi mo.
Trong giai doan 2014 - 2016, tdng lien gffi tie't kiem cua nhdm TCVM ehtfa chinh thffc tren 1,000 ly VND, lang trung binh 22%/nam, tien gffi tie't kiem cua nhdm TCVM chinh thffc lang trung binh 33%/nam. Tinh den cud'i nam 2017, khdch hang tid't kiem cua TCVM chffa chinh thffc khoang 500.000 ngffdi, con vdi TCVM chinh thffc la 350.000 ngffdi.
(Bieu ddi)
Trong ndm 2017, tdng dff nd cho vay cua cdc td chffc lai chinh vi md ehtfa chinh thffc sul giam con 1.025 ly VND vd so vdi nam 2016 la 3.796 ty VND thi da gidm 73%, vi sff chuyen ddi cua Quy trd vd'n ttf tao viec ldm cho ngffdi ngheo CEP sang td ehtfc chinh thtfc. Theo do, dtf np cua cac td ehtfc tdi chinh vi md chinh thffc nam 2017 tang 226% so vdi ndm 2016, giai doan nam 2014 - 2016 mffc tang trung binh cua nhdm nay chi 18%/nam. (Bieudd2).
Ve sd Iffdng khdch hang vay vd'n cua cac td chffc tai chinh vi mo nam 2017 Id 130.000 khdch hang dd'i vdi cdc id chffc chinh thffc vd 450.000 khach hdng dd'i vdi cdc id chffc chffa chinh thffc.
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TAP CHl GONG THIfdNG
Bieu do 1: Sd Iddng tiSn gCfi tiet ki§m cua khdch hdng tai cdc to chdc TCVfi/l
Dan vi: ty dong
Nam 2014 Nam 2015 Nam 2016 Nam 2017
• TCTCVM Chinh ihiic • TCTCVM Chira chinh thiic
NguSn: Bdo cdo hoat dong 2018, nhom to chdc tdi chinh vi md Bieu do 2: Tong dd nd cho vay cua cac to chifc TCVM
Dan vi tinh: Ty ddng
1000 — ^ B
Nam2014 Nam2015 Nam2016 Nam2017
• TCTCVM Chinh thiic » TCTCVM Chira cliiiih thitc
Ngudn: Bdo cdo hoat ddng 2018, nhom tdchdc tdi chinh vi mo
Hoat ddng chinh cua cac td chffc TCVM hidn nay vdn Id huy ddng vd'n va cap tin dung cho cdc dd'i tffdng cd thu nhap thd'p va cac dich vu xa hdi nhff Iff va'n, dao tao... Nhff vdy, Fintech van con khd xa la vdi cac td chffc TCVM tai Viet Nam, chffa cd mdt id chffc ndo dd hoan loan ffng dung Fintech.
Ndm 2018, td chffc TCVM Tinh ihffdng (TYM) da di dau trong viec ffng dung core banking vdo hoat ddng, day dffdc coi la mot bffdc tie'n trong nganh TCVM tai Viet Nam. Tff nhffng td ehtfc tdc nghiep ddn gian, TYM da bat dau tfng dung he thd'ng core banking nhtf he thdng ciia cdc NHTM da thtfc hien, tuy nhidn de btfdc de'n ffng dung Fintech cho khach
hang can co thdi gian, dac biet la vd'n, da phan eac td chffc TCVM bi han che' ve vdn,
2.2. Ve sd Iffdng cdc cong ty Fintech tgi Vi^t Nam
Nam 2018, theo ihd'ng ke co khoang 80 cdng ty fintech dang hoat dpng, chu ye'u la cung ffng dich vu trung gian thanh todn, cd 29 doanh nghiep dtfdc Ngan hang nha nffdc ca'p phep cung ca'p dich vu trung gian thanh todn.
Momo dang thffdng hieu dtfdc dau ttf ldn vdi sd vd'n la 33,75 trieu USD ttf Goldman Sachs va Standard Chartered. Ben canh dd, cac cdng ty cijng dang tren da phat trien nhtf 123Pay, Bao Kim, Ngan Itfdng, OnePay...
Nhff vdy chi trong thdi gian ngan, sd Iffdng cdng ty Fintech ldng dan iff 46 cdng ty vao nam 2016 len den gan 80 cong ty vao nam 2018, tao da de phap trien ffng dung Fintech vdo ITnh vtfc tai chinh vimd.
Trong linh vtfc tai chinh vi md, hidn da cd mdt vai cdng ty dtfa ra sdn ph^m phan mem hd trp cho cdc td ehtfc TCVM nhtf cdng ty TNHH Phtfdng Bdc, cdng ly cd phan NGV da xay dtfng va ffng dung thanh cdng phdn mem mFinance, chuyen xff ly cac nghiep vu Idi cho cdc td chffc TCVM.
Ve ffng dung Fintech vao cac id chffc tai chinh truyen thd'ng, ngdn hang BIDV la ddn vi di dau, BIDV dd hdp tac vdi cac cdng ty Fintech, cung tfng dich vu thanh tddn eho khach hang. BIDV hoan thdnh kd't nd'i thanh loan vdi cac thtfdng hieu Fintech phd bie'n tren thi trtfdng nhtf Napas, Momo, Zalo, Moca, Airpay, VTC pay, Payoo, Baokim, Vimo, Onepay, Wepay, Ngan Itfdng, Vnpay, Samsungpay, Truemoney, Viettel, Vinalti Khdch hdng cua BIDV cd the sff dung ra'l nhidu dich vu tien ich nhtf: Chuyen tien qua sd dien thoai, tinh
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nang giao dich bdng gipng ndi, trao doi thdng lin cdng ddng tren Smartbanking, va ngoai ra khdch hang cd the trai nghiem cac dich vu thanh loan hien dai. Trong thdi gian tdi, khach hdng cd the sff dung dien thoai di ddng phan mem Android, iOS dd trd np vay, qudn ly lai chinh ca nhdn, nhan den Western Union, tich luy diem
thtfdng. Ve ngan hang sd Digital Banking, hien nay Viet Nam dd cd 03 ngan hang:
Timo, TPBank LiveBank, OCB OMNI. Ngdn hang sd mang lai mot cudc cdch mang mdi cho ngdnh ngan hang, dd la
"Khdng gia'y td, khdng chi nhdnh, khdng gidi ban".
Nhtf vay, trong Itfdng lai, cac td chffc tdi chinh vi md hoan toan cd the lien kd'l vdi cac cdng ty Fintech de cung iJng cdc dich vu hien dai cho khdch hang cua minh nhtf ngan hdng BIDV da vd dang thffc hien va cd the sd' hda hoan loan nhtf cac ngan hang theo xu htfdng hidn nay.
2.3. Ve tiem nang sd dung cong nghe tgi VietNam
Ty le tie'p can internet cua ngtfdi dan Viet Nam noi chung khd cao, theo Thff irffdng Bd Thdng lin va Truyen thdng Nguydn Thanh Htfng, nam 2018:
"Viet Nam vdi quy md dan sd' xd'p xi 95 tiieu ngffdi, ty le sff dung internet chie'm hdn 60%, Id quo'c gia dffng thff 16 tren the' gidi ve so' Itfdng ngffdi sff dung internet".
Theo bdo cdo khao sdt thi trtfdng ndm 2015 - 2016 cua hang nghien cffu thi trffdng Neilsen, hien nong thdn Viet Nam cd tdi gan 24 trieu ngtfdi dang su:dung internet (Itfdng dffdng hdn 39% dan sdkhu Vifc ndng thdn). Ben canh do, bdo cdo cua Neilsen Cling cho thd'y 90% ngtfdi tieu dung ndng thdn sd hifu mot chiec didn ihoai di ddng vd 50% trong sd do sd hffu dien thoai thdng minh.
Theo sd' lieu cdng bd cila Bd Thdng tin va Tmyen thdng nam 2016, Viet Nam cd ldng sd'hdn 133 trieu thue bao dien thoai. Bd Thdng tin va Tmyen thdng cung da ca'p phep cung cd'p dich vu vien thdng sff dung cdng nghe 4G cho 4 nhd mang
la: VNPT, Viettel, MobiFone va Glel. Nhff vay, dii Viet Nam Id mdt trong nhffng qud'c gia cud'i cung trong khu vffc trien khai 4G, nhffng viec dffa cdng nghd 4G vdo tiitfc tidn se tao nen vide ffng dung cong nghe hidu qua hdn cho mpi nganh nghe, trong dd cd ITnh vtfc tdi chinh va cong nghe tai chinh.
Bieu do 3. Sd Iifdng ngUdi sQ dung internet tgi Viet Nam EkJn vi: Nghin ngUdl
Nam 2014 Nam 2015 Nam 2016 So ngiroi thanh thi sij dung Internet ^ S6 aguoi nong thon sff dung Internet
Nguon: Bdo cdo thi trudng Neilsen nam 2017
Nhtf vdy, sd' Itfdng ngtfdi sff dung internet d Viet Nam kha cao, ke ca vdi khu vtfc ndng thdn, ndi khach hang muc lieu cua cdc id chffc TCVM. Ddng thdi, didn thoai di dpng cung la mdt cdng cu lien lac, trao ddi thdng tin, sff dung djch vu ra'l phd bid'n d ca thanh Ihi va ndng thdn tai Vidt Nam, Nhff vdy, nhffng khdch hdng cua td chffc ldi chinh vi md la cdc ho ngheo, lap irung d vung ndng thdn hodn loan dd dang tid'p can vdi cdc cd sd nen lang cho viec sff dung Fintech la sff dung Internet va sff dung didn thoai thdng minh.
3. Mdt vai gdi y de ffng dung Fintech trong ITnh vtfc tai chinh vi md tai Viet Nam trong thdi gian tdi
Mot Id, cung cd hdnh lang phdp ly de hodn thien he sinh thdi Fintech trong nganh TCVM, bd sung them cdc quy dinh ve Fintech vdi cac linh vffc khac nhff cung tfng dich vu cd'p tin dung, tien gffi, bao hiem vi md. Dong thdi, can md rdng pham vi hoat ddng cua cac td chffc TCVM.
Viet Nam cung da chu trpng tdi viec tfng dung Fintech vao tai chinh toan dien, trong do co tai
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TAP CHi CONG THIfKNG
chinh vi md. Ndm 2016, Thu itfdng Chinh phu da ban hdnh de dn "Hd trd he sinh thai khdi nghidp ddi mdi sang tao qud'c gia de'n nam 2025". Ndm 2017, NHNN da xay dtfng Ban chi dao linh vffc cong nghe tai chinh vdi muc tieu dffa ra nhffng giai phdp de Fintech phat trien. Tuy nhidn, can phai xdy dtfng he thd'ng phdp ly hoan thien hdn nffa. Cac td chffc TCVM trdn the gidi khai thdc ra't nhieu vao mdng cung ffng dich vu thanh todn thi hien nay, cac id chffc TCVM tai Viet Nam ehtfa dtfdc cung ffng dich vu Ihanh toan qua lai khoan cho khdch hang.
Hidn nay, NHNN chi cho phep NHTM, chi nhdnh ngan hang ntfdc ngoai, ngdn hang chinh sach cung ffng dich vu thanh todn qua tai khoan, va 29 cdng ty Fintech dtfdc cung tfng djch vu tinmg gian thanh todn. Dd la mdt trong nhffng rao cdn de cac id chffc TCVM dp dung Fintech. Thffc tien khudn khd phap Iy ve cd ban hien nay chi dang ddp ffng dffdc mdt phan cho ITnh vffc cdng nghe lai chinh trong thanh lodn, ehtfa dieu chinh cac ITnh vtfc khac.
Hai la, cac id chffc TCVM cd the ffng dung gffi lidn tie't kidm tren didn thoai di dpng. Mo hinh nay gidng cac id chffc TCVM tren the' gidi da lam, dd Id lien kd't vdi cac cdng ly Fintech va xay dtfng he thdng giiip ngtfdi guri tien cd the sff dung dien Ihoai de tich luy nhffng khoan tien nho vao tai khodn tid't kiem hdng ngdy chi 1 de'n 2 USD, tffc la chi vdi ehuc ngan ddng.
Ba Id, cdc id chffc TCVM ffng dung he thd'ng thdng Un de xff ly dff lieu didn tff, nhtf vay se tie't
kiem dtfdc thdi gian xff ly giao djch trong cho vay, thay vi phai xff Iy loan bd tren giay. Hien nay, mdt vai td ehtfc TCVM da thtfc hien boat ddng nay nhtf TYM, MFI Thanh Hda, ddy la btfdc tien trong viec dp dung cdng nghe vao hoat ddng, giup gidm chi phi va tid't kiem thdi gian.
Bdn Id, cdc id chffc TCVM dinh hffdng la kenh phdn phd'i cac san pha'm bao hiem vi md cua cac cdng ly bao hiem co ffng dung Fintech. Cdc td ehtfc TCVM chinh la he thd'ng "chdn rd't" giup cho nhffng ngffdi ngheo d cdc vung dia \y xa xdi, it tiep can cac djch vu tdi chinh cd the mua bdo hiem. Qua viec lien kd't vdi cdng ty bao hiem, cac td chffc TCVM se khai thdc dffdc mang kinh doanh bao hiem vi md, hd trd cho nhffng ngtfdi ed thu nhdp thd'p, vdn dT co the gap rui ro, va kha nang khac phuc rui ro bi han che'.
Tren ddy la mdt vai de xud't, dinh htfdng cho cac td ehtfc TCVM ffng dung Fintech vao hoal ddng, h§
trd cho khdch hang, cung ffng dich vu td't cho khdch hang la nhffng ngffdi thu nhdp tha'p tai ndng thdn, nhffng ndi ma cdc ngan hang truyen thdng khd tie'p can. Ddng thdi, dd la xu the'va djnh hffdng cua Nha nffdc, de an "Chie'n Iffdc phdt trien nganh Ngan hang Viet Nam de'n ndm 2025, dinh htfdng de'n nam 2030" cua Thu ttfdng Chinh phu, da dtfdc ban hanh nam 20! 8. Trong nfdng lai, Viet Nam dtfdc ky vpng se day manh tfng dung cdng nghd vao ITnh vtfc tdi chinh va tai chinh vi md, htfdng tdi tai chinh loan dien vao nam 2030 •
TAI LIE;U THAM KHAO:
1. Bdo cdo Neilsen, 2017, "Dien thoai thdng minh tiep tuc tren da phdt trien d cd khu vUc thdnh thi vd nong thon"
https://www.nielsen.coin/vn/vi/insights/2017/nielsen-smartphone-insights-2017.html
2. ThU Mdng Chinh phd, (2018). De dn: "Chien luoc phdt tnen ngdnh Ngdn hdng den ndm 2025 dmh hudne ndm 2030".
3. Davenport. T, & Krishna, D. (2017, Januaiy 27). The changing world of technology in financial senices. (D. U.
Press, Editor) Retrieved July 9. 2017, from https://dupress.deloitle.com/dup-us-en/topics/analytics/analytical- cognitivelechnology-in-financial-services.html
4 KPMG (2018), "Micro Finance going digital while retaining the human touch ". kpmg.com/in/social media.
5. MSC Mekong security. (2017). "Bdo cdo ngdnh cong nghe thong tin". httpsV/www a- c.com.vn/upload/NganhCNTT_210817_MSC.pdf
356 So 8-Thang 5/2019
TAI CHiNH-NGAN HANG-BAO HIEM
6 Nhom cong tdc tdi chinh vi mo tgi Viet Nam, (2018). "Bdo cdo hogt dong ndm 2018", Website:
http://www microfinance. vn/vi/category/an-pham-va-bao-cao/bao-cao/
7. Nguyin Kim Anh vd cdc cgng sU, (2016). "ifng dung cong nghe tdi chlnh (Fintech) trong hogt dong tdi chinh vi mo, hudng tdi phd cap tai chinh lgi VietNam", Website: http://www.microfinance.vn/wp-conienl/uploads/20I8 8. Vandeputle, Pauline; De Toffol, Benoit, (2017). "The role of Fintechs in the business model of microfinance institutions in Western Europe: A qualitative study", http ://hdl. handle, net/2078 l/thesis:11338
Ngay iih$n bai: 7/4/2019
Ngay phan bi^n danh gia va su'a chffa; 17/4/2019 Ngay chap nhan dang bai: 27/4/2019
Thong tin tdc gid:
1. ThS. TA THU HONG NHUNG 2. ThS. NGUYEN MANH HUNG Trffdng Dai hpc Ngan hang TP. Ho Chi Minh
FINANCIAL TECHNOLOGY (FINTECH) AND ITS APPLICABILITY IN VIETNAM'S
MICROFINANCE INDUSTRY
• Master. TA THU HONG NHUNG
• Master, NGUYEN MANH HUNG Banking University Ho Chi Minh City
ABSTRACT:
Fmancial technology (Fintech) has created dramatic changes in the banking and finance industry. Fintech allovi'S users to use mobile banking quickly and conveniently with their smartphones. However, Fintech is a huge challenge for traditional financial instihitions, including traditional commercial banks and microfinance instimtions. This article introduces the overview of Fintech and microfmance products that use Fintech in the world and their apphcability in Vietnam. This article also offers some suggestions for the microfinance industry in the context of Industry 4.0.
Keywords: Financial technology (Fintech), microfinance, mobile banking, Vietnam.
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