Wf^ Nguyin Van Ihlng 'Mi
eBank Thifc trang va Xu hudng
Co the nhan thIy, trong su canh tranh dly khdc li^t giOa eac ngan hang nhuhidn nay, tiii dlu ti/vao ngan hang di$n tijf (eBank) xem ra la mdt sy lya chpn khac biet, khdn ngoan va hidu qui d l gili dUpc bai toan: tao sy khac biet vdi ddi thu, lly huy ddng lam nen tSng va quIn tr; rill ro hidu qua hdn.
Chi phi phat tiien mang ludi tiong ngan hang kha cao, trung binh mdt phdng giao djch mdi tidu tdn khoing tU 500 tri$u VNO - 1 ty VND (cd the la hdn), cd t h i boat ddng hidu qui hoac khdng hidu qui. Cy t h i hdn, khi di vao boat ddng, mdt phdng gtao dich cd t h i dem lai Ipi nhu^n sau khi b-U vdn dlu tU ban dlu phai mIt tif 2 din 3 nam. Nhin lai nhOng nam qua, cd t h i thIy cac ngan hang thUdng mat eo phln '^^i^ Nam dlu lao vao cudc dua md rdng mang ludi nhu la mdt each ehilm fTnh thi trUdng "thdi ttiUpng". Chinh vi t h i ma nhilu ngudi cdn ndi vui ring, tai cae tiianh phd Idn 6 Vidt Nam, ngan hang nhilu nhutiem an. Vi^c chgy dua md rdng mang ludi b'uyin thdng nhu t h i din din mpt h$ lyy t i t yeu: sUcanh ti-anh giOa cac ngan hang ngay cang gia tang, Ipi nhu^n tu huy dpng ti-d n&n khd khan hpn ti-Udc, tii^m chi dat mUc thIp.
NgUpc lai, h-ong khi dlu tu vao cdng nghe chi ti^ 300 trieu - 500 tridu, NHTM CP ti'ong nUde chi mdi tap trung dlu tu vao eBank qua ATM va cdng nghd tiianh toan (tra cUu sddu tai khoan, lieh sif giao dich, cac tiidng tin dich vu gia tang, chuyen khoan tdt cae tai khoan ndi bd trong ngan hang, va mdt sd ngan hang Idn da cd djch vu chuyen khoan tdi tat ea cac ngan hang ti-en toan lanh thd Viat Nam, hoac gifi tien tilt kiem trUe tijyen, nap tiie til bxfde Topup..). Nam 2010, tdng dlu tu vao ATM la 150 tneu USD ti'ong toan bd he thdng ngan hang. Tuy nhien, kenh giao dich pho bien la kenh rut tien. Kenh giii tiln qua in- ternet banking hien dang dUPe tiien khai rdng rai d hlu het cae NHTM CP Viet Nam, nhung quy md chi dimg d mUe khiem tdn.
Nhin rathe gidi
eBank cung khdng pha la md hinh xa la gi tren till gidi. ING Direct bank la mdt ngan hang diln hinh thanh cdng ve eBank. ING Direct bank da khiln nhilu nha bang ngd ngang khi hp rIt thanh cdng blng viec dlu tuvao cdng nghe, phat tiiln eac san pham eBank va hoan toan khac biet vdi tat ea cac ngan hang tren the gidi. ING Direct bank khong ed he thdng mang ludi chi nhanh sau rdng, nd khdng cd Itch sijf lau ddi, khdng cd cac tda nha cao ting farang 1^ nhu nhilu ngan hang khae, khdng cd nhmg ngUcB tiiu ngan, nhung ING Direct bank da chilm dUpc cam tinh cOa eac khach hang vdt moi thif nd da lam dUpc va mpi thU nd ndi dUdc. ING Direct bank ngay nay la ngan hang internet Idn nhIt luc dia Chau My va la mdt ti'ong nhOhg ngan hang tilt ki^m Idn nhat nude My,
Trong tdng sd 9600 ngan hang dang hoat ddng tren dat My ngay nay, ING Direct bank dilhg thU 21 ve khdi lUOng chuyen kholn dien tif.
Vdi cac chi nhanh dupe dat tai 13 tiii trudng chinh, ING Direct bank dang cung Uhg dieh vu eho hon 7 b'ieu khach hang My, ddng thdi dua vao sUc manh tif internet de phuc vy khach hang tren khlp dat nude.
ING Direct hign dang quan ly hdn hdn 65 tridu USD tiln tilt kiem ciJa ngudi dan My.
Theo s6 lieu nghien ciru cua Yahoo, toe dO tSng trudng cua thj trudng internet di dpng tai Vi^t Nam tang 60% trong nSm 2 0 1 1 . D^y la d^u hi^u cho th^y nhu c l u si!rdung internet, d^c bi^t 1^ internet di dOng 6 Vi^t Nam dang bung n6. Trong b6i c§nh d6, Ccic ng^n hang thuong mai c6 phln (NHTM CP) Vi^t Nam hien nay co budc di gi nhcim cung c^p djch vu t^i chinh cho kh^ch hang mpt Ccich dan gian, thuan tien, chinh xac trUdc si; tich hpp ngay c^ng chat che
giffa CNTT-TT va hoat dpng ngan hang?
S. m
Ngay nay,70% ngudi dan My bilt din thuong hieu ING Direct bank.
Tit ca giao djch dlu thyt hien qua intemet
Theo nhilu cudc dilu tra ddc l$p, ING Direct hien ddng thdi la nha cung cap dich vy tai chinh dugfc ySu thich sd mpt tat My ve eac san phIm tien girt va thu hut dupe ty 1$ mong mudn mua san phIm cao nhIt tu nhiJig khach hang tiem nang.
Tai cac NilTM cd phan Viet Nam
lliue t l eho thIy, chiing ta se va dang di theo xu hudng phat tiien chung. Tuy nhien, moi qudc gia, mdi dan tdc ed nhiing dac thii van hoa va tiidi quen khac nhau, nen cho dii ed ehung mdt dmh hudng phat trien thi ehiing ta vln cln cd mpt sy dieu chinh d l nhOhg gi ehiing ta tnen khai phii hpp vdi thi hilu, vdi van hda cua xa hdi Vipt Nam, mang lai gia tn mdi cho khach hang.
cac ngan hang nude ngoai idn dang hoat ddng tai Viet Nam nhuHSBC, ANZ, Citi bank....den nhtmg ngan hang quy md trung binh ciJa Viet Nam d l u da cung e l p cho khach hang dich vy eBank. Thuc t l cho thIy, cac NHTM CP hi^n nay deu nhan tiiife va cd dinh hudng phat b'len tiJong ddi gidng nhau ti-ong chiln lUdc phat b'len eBank, tif ngSn hang hang dlu toi nhOhg ngan hang nhd, vdi nhilu slogan nhii: last",
"every where", "any where" hay "ngan hang ti'ong tay ban". Oieu do cho thay eBank ed UU diem rat Idn la nhanh, hoat ddng dUpc mot luc mpi noi, th§m chi phai "chay" tdt ti-en dien thoai di dpng.
Song cd mdt dilu ma tam ly khach hang cdn e ngai khi sif dung eBank chinh la su phUc tap eua dich vg eBank. Su phUd tap nay la mdt tiong nhOhg rao can giua khach hang va cac dieh vy eBank. Cung can n6i them, ddi khi cae NHTMCP, khi phat trien dich vu eBank ho qua thi6n v l sU hien dai ciia cdng nghd ma quen di ddt tiJi?ng ghinh cua minh la khach hang dai ehung. Quay h-d lai hi?n tUpng ING Direct bank, mOt h-ong nhOhg yeu td thanh cdng ciia ngan hang internet Idn nhltChSu My la sy ddn gian. Sy ddn giln hda, tiJc la lam mpi thU tid nen d§ sii dyng la each tiiifc eo ban nhat ciia ING Direct chilm duoc cam tinh CLB
2 0 • T<!\PCHiTINHQCNGANHArJG • s 6 4M 28) - 5/2012
#111
khach hang gili tilt kiem tide tuyen. Ban than cac san phIm phai ddn gian, quy trinh dang ky cho mdt san pham cung phai ddn gian, va viec SLf dung nd cung phai ddn gian, Cach lam nay khdng phai xuat phat tU viee ING Direct cho rang khach hang chua du thdng thai de nam bat nhtmg dilu phUe tap khi tiln hanh giao dich tr\fc tuyen, ma xuat phat tU vide ING Direct hieu rang sU ddn gian chinh la chan ly thu hut khach hang ve phia minh.
Chinh vi thi, mdt sd NHTM CP trong nudc dinh hudng phat trien dieh vu eBank, ngoai nhi3hg ylu td nhu nhanh chdng, moi luc, mpi noi... till cdn hudng tdi ylu td thu$n tien va don gian. Ludt qua mdt sd san phIm dich vy ma cae ngan hang tung ra tren thi h'Udng cd the thay chiln lupc nay the hien rIt rd. Cd
ngan hang tung ra djch vy chuyen khoan khdng cln sd tai khoan, chlng ban, ngudi than cua khach hang chi cln gili cho khach hang sd di?n thoai cua minh, khach hang se chuyen tiln li xl Tit cho ngUdi than ma khdng cln phai nhd day sd tai kholn dai ding d$c.
Hoac nam bit tam ly khach hang ngai qua nga ba, nga tU vi phai dau xe chd den xanh cung dii lam hp trd n6n "ludi nhae" khi nghi den cai nlng ndng "chay da, rd thif ma hp sip phat ddi m$t, hieu dupe tSm ly khach hang phai tim du mpi ly do vdi sep d l tranh thtj tat qua phdng giao djch tiln hanh girt tilt kiem, hoac md tai khoan ciing la ca mdt vln de.,. V^y tiii vdi d|ch vy md tai khoan nhanh, mdt sd ngan hang cho phdp khach hang vdi chi mdt tin nhin SMS soan theo cu phap, gOi tdi tdng dai
thi khach hang da sd hifu eho minh mdt tai khoan giao djch nhanh chdng. Th^m ehi khach hang cdn ed thi chon sd tai khoan dep hpp tudi, hay nhtfng sd khach hang ydu thich... eho tai kholn ciia minh.
Rd rang la khi khach hang dang din ttily "bpi thuc" giifa mdt rimg danh myc sin pham, djch vy gidng nhau giOa cac ngan hang, ttii viee dly manh phat triln dich vy eBank vdi gia tang ti^n ich, ludn dam bio don gian va thuan tien eho khach hang dang dupe coi la xu hUdng phat frien cua cac ngan hang hien nay. Vdt nhOhg Ipi ich eBank mang tdi, nhiitig ngan hang thUc sU nhan thUc dupe gia tii eiia eBank se la ngudi chilm uu the trong cudc canh tranh ve chi phi va chat lUPng dieh vy •
Lien minh Smartlink ket nap 2 thanh vien moii
Cdng ty cd phln Dich vu The Smartlink vUa cdng bd NHTMCP Dai DUPng (OceanBank) va NHTMCP Kien Long (Kienlong Bank) ehinh thUe trd thanh thanh vien ciJa lien minh Smartiink, nang tong sd ttianh vien kit ndi tii/c tiep vcfi he thdng Smartlink len 37.
Nhu vay, sau 4 nam chinh thUc di vao hoat ddng, lien minh Smartlink da ed 50 thanh vien tham gia he thdng trong dd gdm 37 thanh vien kit ndi true tiep vdi Smartlink va 13 thanh vien ket ndi thdng qua hen mang Smartlink - Banknetvn va Smartlink - VNBC. H&
thdng Smartlink da k i t ndi lien thdng hon 16.000 may ATM, 77.000 diem chap nhan the (POS) va chip nhan thanh toan eho gin 40 ti-ieu chii the ndt dja ciia cac ngan hang trong nude va nudc ngoai hoat ddng tai Viet Nam.
Vdi muc tieu mang lai ngay cang nhilu cac dich vy hd trO thanh toan hien dai, tien ich eho cac thanh vien tham gia lien minh, Smartlink cam kit tilp tyc chu ddng md rdng kit ndi lien thdng, phdi hpp cung cac ngan hang thanh vien phat tnen cac kenh thanh toan dien tif, gdp phln xay dyng ha ting thanh toan hi^n dai, nang cao chat luong dich vy cho cac ngan hang thanh vien ndi rieng va eho toan bp he thdng Ngan hang Vidt Nam noi chung.
MyThdy
Hdi nghj thudng nien Hoi the Ngan hang Viet Nam nam 2012
Trung tuan thang 4/2012 tai tfnh Kien Giang, Hot the Ngan hang Vi^t Nam da td chUc Hot nghj thudng nidn d l tdng kit hoat ddng thj trudng the Vi^t Nam cung nhu hoat ddng eua Hdi nam 2011 va ban bac phUdng hudng hoat ddng trong nam 2012.
Ba Nguyin Thu Ha - Chu tich Hpi the da bao cao ket qua hoat ddng thi trudng the Viet Nam nam 2011; nhiing ton tai, han che frong hoat ddng the hien nay, ddng thdi neu phUdng hudng hoat ddng cua Hdi the Ngan hang Viet Nam nam 2012. Dai dien cac ngan hang thanh vten da tap trung thao luan ve eac van d l : cae giai phap thiic dly thanh toan the; cac bidn phap nang eao hidu qua hoat dpng the;
dam bao an ninh, an toan trong boat ddng the ...
Phat bilu tai hdi nghi, ba Trln Thj Hong Hanh, Tong Thu ky Hiep hpi Ngan hang Viet Nam cho ring, d l khle phyc tdn tai trong hoat dpng tiie hi^n nay, cac td chUc thanh vien Hpi the cln tang cudng hpp tac, hen kit, chia se thdng tin trong hoat ddng till, nang cao chat lUpng dich vy san phIm hon nCfa d l phyc vu tdt yeu clu ciia khach hang. Hiep hpi Ngan hang Viet Nam ciing Hdi the se cd kien nghi vdi co quan chifc nang de cd gili phap thiic dly th; ti-Udng the Viet Nam phat trien hieu qua, an toan va bin vOng. Theo dng Biii Quang Tien, Vu trudng Vu Thanh toan NHNN Viet Nam, thdi gian tdi NHNN se tich cUc phdi hpp
vdi cac Bd nganh, ^a phuong de trien khai cd hieu qui Dl an day manh thanh toan khong dimg tiln mat tai Viet Nam giai doan 2011-2015 nhu phdi hdp vdi Bd Tai chinh ban hanh cac chinh sach uu dai tiiue;
phdi hpp vdi Bd Cdng thUdng ed bien phap khuyin khich DN ban le chap nh$n thanh toan till... odng thdi NHNN khan trUOng hoan thien ddng bd hda mdi trudng phap ly cho hoat dong thanh toan khdng diing tien mat tai Viet Nam...
Tai Hdi nghi, cae thanh vien Hot the Ngan hang Viet Nam thdng nhat tiep tuc nang cao tien ich ciia the, chat lUdng dieh vu the de kich tiiich ngudi dan sif dyng the, nham thuc hien tdt chu tiuong thanh toan khdng diing tien mat theo su chi dao ciia Nha nudc.
Ba Trln Thi Hdng Hanh, da trao ciip cho 03 Ngan hang xult sac trong hoat ddng the nam 2011 la Vietcombank, Vietinbank va Agnbank; 06 ngan hang dat kit qua tdt ti'ong hoat ddng the nam 2011 la Sacom- bank, ACB, Eximbank, Techcombank, OongABank, BIDV va trao 02 ky niem chuong cho Banknetvn va Smartlink vl da cd nhieu ddng gdp cho hoat dong tiie nam 2011.
CQng tai hpi nghj. Ban chap hanh Hdl the Ngan hang VN nhiem ky mdi ehinh thUc ra mIt, gdm 9 NH thanh vien la Vietcom- bank, VietinBank, BIDV, Agribank, Tech- combank, ACB, Sacombank, Banknetvn va Smartlink.
H.My
