TAP CHI CONG mifdNe
SMALL GIVING - MOT GIAI PHAP MCfl TRONG PHAT TRIEN MO HINH THIEN NGUYEN VI CONG DONG
• C H U V A N HUY - N G U Y E N THI PHAN - V U THI P H U O N G - HA M I N H TU - N G U Y I N THANH D U d N G - BUI M I N H THU
TOM TAT:
Hien nay. mo hinh hoai dong cua nhieu doanh nghiep (DN) da co si/ djch chuyen manh me irirde lac dgng cua cuoe each mang cong nghiep lan ibiJ 4. Khong chi difng lai cl ITnh vUe kinh doanh. cac u'ng dung cong nghe trong phat trien mo hinh thien nguyen trdc luyen dang la xu hu'dng ciia nhieu id chu'c. M o binh niiy giiip giai quye'l du'de nhu'ng riio can ve tinh minh bach, lu'c thfli, hen tuc so vdi cac mo hinh thien nguyen iruyen iho'ng.
Khai thdc van de nay. V i thien nguyen tn/c tuye'n Small Giving la thiTc nghiem ve mpt mo hinh thien nguven mdi me. du'de phat trien iai phong Lab Chuye'n doi so'cua Hpc vien Ngan hang. Bai baose tap trung trinh bay: (1) boi canh. (21 de xua't y tu'cing. (3) thie'l ke kie'n tnic tong the be thong va (4) mot so'ke't quii thiTc hien lien quan idi giai phap y nghTa nay.
Tff khoa: M o hinh ihien nguyen, Chuyen doi so. Small Giving, Way4Platform.
1. D a i va'nde
Hien na\'. cac hinh ihifc ihanh loan dien lu'lnhu' thanh loan qua lhe tin dung, the ghi nd. thanh toan qua \ i dien tif. chuyen kboan..) rai phal trien tai Viet Nam va the gidi. Nhd do. mot loai cac nhu cau phd bien nhif mua ban. thanh toan. . da du'de thifc h i c n ngay mpt nhieu qua moi irifdng tri/c UiNcn. \'a tLf thien trifc tuven khong nam ngoai xu the dd. Hoal dong nay du'de trien khai ngay mot hieu qua nh6 u'ng dung cac cong nghe tien tie'n.
Tren the g i d i . hoal dong quyen gdp tif thien inic tuye'n cua cac id chu'c phi ldi nhuan iQng 239c. so' hfdng giao dich thong qua t h i c i bi di dpng tang SOrf trong nam 2017 iNPSiuirce. 2018). 6\9c nha tai Ird ifu tien lu'a chon hinh thii'e tif thien tnfc tuye'n - nhieu gap 4 lan c i c hinh ihiJc lif thien khac. nhif tif thien tai cdquan hay iif thien tai nhu'ng dia diem dien ra sif kien ga> qu\ (SleelKiwi Inc. 201 8). Tai
\*iel N.ini. ngu'di dan iiga\ cang cd xu hu'dng thifc hien hoal ddng tif thien qua moi tru'dng mang
Internet so vdi cac nu'dc irong khu vifc. Theo kh, sat eua Mastercard ve chi lieu cd y t h f c vii ho dpng tCf ihien. Viet Nam ba't ngd dSn dau khu vi Chau A - T h a i Binh Du'dng vdi 78,5'/f so ngU difde hoi dong y tham gia tif ihJen trife luye'n, th(
sau la Thai Lan (~66'/r) va Hong Kong (-60^
(Minh T h i , 2017).
Ve each thu'c thifc hien lif thien iri/c tuyc hifdng trien khai phd bie'n la hinh thu'c iff ihien phiit thdng qua cac bai vie't van dpng. keu goi nl le. khong rd nguon gd'c tren cac trang mang xa hi Chinh dieu nay da gay ra nhij'ng he luy phiJc I (mao danh, bia dat de lira dao. ldi dung long t i n , true ldi ca nhan....). Ben canh d d . m o i sd ciie chu'c thien nguyen uy lin cung tien hanh cho ra n cac phun m e m . ffng dung, he sinh thiii thii nguyen khac nhau. nhff: chay bo de gay quy tff d dung Charity Miles (Cam Linh, 2016). xem lin t de gay quy tff irinh d u \ e t Donate Browser: g quy bang each tra ldi khao sai iff ti-ng du
TAI CBJNR-NGAN HANG-BAO NIEM
Gi\e2Chunt> (Cam Linh. 2016). Happi (Gio yeu thuong. 2018). \ e m quang cao de gay quy tff ffng dung Whaa.life. Lalas (Hung Nguyen, 2019): nuoi heo da't thffc hien quyen gdp d V i dien tff M o m o (Momo. 2019). gay quy thdng qua cdc giao dich hoiin lien d V i dien iff V i n I D ( V i n I D , 2019),,..
Nhff\;i) cd the Iha'y, ffng dung cdng nghe nhSm tha; ddi md hinh thien nguyen truyen ihd'ng dang nhan dffdc sff quan tain cua rat nhieu td chffc, cgng d6ng thien nguyen. Viec de xua't nhffng mo hinh ihien nguyen sang tao ed y nghTa quan trong trong thifc hien chu trifdng an sinh xa hoi, de khdng ai bi bo lai phia sau.
2. De xuS't y tffdng
Tiep can va khai thac chu de nay difdi gdc do tie'p thu v;i cai tiS'n cac san pham trong eung ITnh VI/C. Small Giving la V i thien nguyen trffc tuye'n difdc \d> dffng vdi muc dich trien khai cac hoal dgng thien nguyen tai Hpc vien Ngan hang (ho trd cdc hoan eanh sinh vien giip nhieu khd khan, thffc hien cdc chie'n dich thien nguyen vl cdng ddng,...).
Trong dd. Doan Thanh nien va Hpi sinh vien Hoc vicn Ngan hang se lii td chffc van hanh/quan tn he Ihdng; eac nhii hao tam tham gia cac hoat dong thien nguyen lii cpng ddng sinh vien, can bp, giang vien trong Nha trffdng va eac nha tai trd.
Trien khai y tffdng tren, he thd'ng V i thien nj;u\en Small Giving se dffdc khuye'n khich sff dung tai Hpc vien Ngan hang. Cac nba hiio lam Iham gia he thd'ng. iing ho kinh phi bang each chuyen khoan tdi tai khoan cua Doan Thanh men va Hpi smh vicMi, V d i so'tien nliy, nha hao lam cd quyC'n irich nhd (Small) de quye't dinh quyen gdp.
trao lang sd'tien nhd dd (Giving) cho cac hoat dpng thifn nguyen ma minh quan tiim. thdng qua mdt so thao uie ddn gian. nhanh chdng. Ngoai ra, sd' tien Ihu dffde iff cac nha tai trd (cd nhu cau quang cJo hay mud'n thu thap y kie'n khao sat tren V i ihien nguyen Small Giving) se dffdc phan ehia cho cac nha hao tam (thffc hien diem danh ffng dung hang ngay. trd Idi khao sat....) dung de ung ho.
quyen gdp cho cdc hoat dpng thien nguyen.
Cd the Ihiiy rang, V i thien nguyen Small Giving da de .\ua'i dffdc mdl md hinh thien nguyen m d i me. vdi each thffc tao ra ngudn kinh phi n h i m iing hp da dang (ngoai viec iing ho bdng tien. nha hao tSm con cd the cd kinh phi thffc hien thien nguyen thong qua \ iec diem danh ffng dung h a n g n g ; i \ . tra ldi khao sat tff cdc nha lai trd....). Ben canh dd. cdc
nba hao tam cd the dang k\' tham gia trffe tiep budi thffc hien chffdng trinh thien nguyen ma minh quan lam qua tinh nang "dang ky gdp sffc".
V l thien nguyen Small Giving ciing giai quye't dffdc \ i i n de cdng khai. minh baeh tai chinh irong boat ddng gay quy. quan ly qu\ thien nguyen (mdi chffdng trinh thien nguyen dffpc dang tai deu can dinh kem cbi phi dff kien. sd tien quyen gdp da nhan va sd' ngndi tham gia qu>en gdp. dong thdi cdng khai qua trinh thffc hien tren muc lin iffc eua ffng dyng) nhd viec lich hdp nen iang Way4Platrorm' Way4PIatform la mot he thdng core thanh todn dffde phal trien bdi tap doan OpenWay. dffdc Gartner vii Ovum- xe'p hang la giai phap hang dau trong ITnh vu'cphanmem thanh loan ffen loan the gidi, dang ap dung tai nhieu ngan hang thu'dng mai hang dau nhff:
VP Bank. SeA Bank. M B Bank. Maritime Bank, Nam A Bank. ACB...
Neu men khai y tu'dng tren thanh cdng, V i ihien nguyen Small Giving se giup lao mdt net viin hda mdi trong cdng ddng. hffdng cdc nha hao tam hinh thanh thdi quen thffc hien tff thien mot each thffdng xuyen. mpi liic, mpi ndi.
3. Kie'n t r u e t d n g the \ i t h i ? n nguyan Small G i v i n g
De trien khai V i ihien nguyen Small G i v i n g , ben canh viec khao sdt thffc te, de xua't y tffdng.
viec dinb hinh thie't ke' ve Kie'n true long the ciia he thd'ng tru'dc khi bat tay thffc hien lii ra'l quan irpng. Hinh 1 md ta chi tiel Kie'n iruc long the ciia V i thien nguyen Small Giving thdng qua viec Iam rd cdc: (1) Dd'i tffdng tham gia he thd'ng, (2) Cac kenh giao tie'p vdi he thd'ng. (3) Kien triic ve m^t nghiep v u . (4) Kie'n iriie ve mat dff lieu, (5) Kie'n triic ve Ha lang cong nghe va (6) Cdc he tho'ng khac lien quan van hanh song song. (Hinh I)
V i thien nguyen Small Giving dffdc thie't ke v d i 3 nhdm dd'i tffdng chinh lien quan tdi he Ihd'ng. Cu the:
- Nhdm dd'i tu'dng nha hao tam bao gdm: cpng ddng sinb vien. can bp. giang Men va nhffng ngffdi quan tam de'n boat dpng thien nguyen tai Hpc vien Ngan hang.
- Nhdm dd'i tu'dng van hanb he ihdng bao gom:
phu trdch cau lae bd. cpng tde vien vie'l bai. cpng lac vien ke' loan thupc Doan Thanh nien va Hdi Sinh vien Hpc vien Ngan hang
- Nhdm do'i iffdng nha tiii trd bao gom- cac ca nhiin. tap the cd nhucaudatquiingcdohay thu thap
TAP C l l CONS THlTdNG
Hinh I: Kien ttuc tdng the Vi thien nguyen Small Giving
KISN T R O C T O N G T H E vf THieN NGUVeN SMALL GIVING
Ngiroi sw dnng
K^Mb giao tiep
Kien trnc ngkiep vv
Kien tmc dir Len Nt6m>(<>«<U>t I Qt^mhtiai
Ha tang kS thoat He thong van haofa song soog
cac cau tra ldi khat>sai iren ffng dung. Hp iham gia he thd'ng nham ihco ddi lien trinh khao sdt hoae ddnh gui sff tifdng uic cua edc nha hao tam.
De \'i thien ngu\cn Small Giving trd nen gan
giil, de SlJ dung va dem lai nhffng trai nghiem t'
vi cho tii't ca cdc ddi iffdng ngirdi diing. nhe
nghien cffu da trien khai phat irien ffng dung tr
ca mdi irffdng Mobile va \S eh.
TAI c n - N G A N HANG BAO HIEM
\ e mai nghiep vu ciia he thd'ng. tffng nhdm ddi tifdng dffdc cung cap cac tinh nang phu hdp. nham ihifc hien cdc nghiep vu lien quan.
- D6i tffdng nha hao lam: cd the xem danh sach Ihong tin chi tiet ve cac boat dpng thien nguyen dang dien ra; cd the lffa chpn thu'c hien quyen gdp nhanh cho cdc hoan canh khd khan ma minh quan tiim; cd the nap tien iing hp hoae kie'm diTdc tien iing hp bhng each thffc hien diem danh boac tra ldi khao sat theo yeu cau ciia cdc nha liii trd. Ngoai ra.
nhii hao tiim cdn dffdc diing ky tham gia gdp sffc ciing thffc hien edc chu'dng trinh thien nguyen tren Ihffc te.
Ben canh dd, nham khuyen khieh, bieu dffdng vil vinh danh nhffng nha hao tam da cd ldng gia tri quyen gdp ldn, hp se nhan dffdc cdc huy hieu khac nhau theo tffng mdc quyen gdp nhii'i dinh va xua't hien iren bang xe'p hang (dffde iho'ng ke theo tuan.
theo Ihang. theo niim).
- Do'i Iffdng van hiinh he thd'ng: gdm cac nghiep vu lien quan de'n 3 nhdm dd'i Iffdng. Cu the:
Nhdm cpng tde vien viet bai: dffdc phan quyen thifc hien them mdi, chinh sffa vii ddng tai cdc boat dpng thien nguyen; cde lin tffc thdng bdo; cdc phieu khiio sat tie'p nhiin tff nhii lai trp.
Nhdm cpng tac vien ke'todn: difdc phan quyen ihifc hien cdc linh nang lien quan den thffc hien cac giao dich nap tien, khdi tao cdc quy diem danh hing ngii).
Phu trdch cdc CiTu lac bd: difdc phan quyen quan ly \a gidm sat cae cdng viec ciia cpng tae vicMi \ i e i bai va ke' loan. Dong t h d i , du'de ca'p quyen iruy xua't cdc bao eao quan i n can thiel.
Trong he thd'ng. viec thffc lhi edc tinh niing nghiep vu dffdc thffc hien nhd qud trinh khdi lao O ket nd'i cac Web Service, ihdng qua giao dien lap trinh ffng dung (API). Ben canh cac API difdc nhdm \ a \ dffng danh rieng cho V i thien nguyen Small Giving, cac nghiep vu lien quan de'n hoat dpng thanh loan dffdc tich hdp vdi cac API cung alp bdi nen liing Way4Platform. Hinh 2 md ta chi tiel cac ihanh phan chinh lien quan tdi nen tang thanh toan Way4Platform. bao g d m : Way4 Transaclion Swileh (Giao dich chuyen mach). D B Server ( M a \ chu dff Heu) va Application Server lM.i\ chli ffng dung) Nhdm nghien cffu da td'i gian hoa \ i e e sff dung cac thanh phan chinh ciia Way4Platform nhSm quan ly khach hang lii nhffng nha hao iam (thdng qua s d t a i khoan) \ a quiin ly
ddng lien thien nguyen ciia nhii hao tam (quan !\
sd dff. nap tien. ehuyen tien. lich sff giao djch \ a truy xua't bao cdo ciia cac tai khoan). (Hinh 2) Hinh 2: Cdc thanh phdn chinh cua nSn tang thanh todn Way4Plafform
Ve mdi trffdng \ a n hanh he ihd'ng: V i ihien nguyen Small Giving dffdc xay difng. van banh iren hai mdi tnfdng Mobile App (he dieu hanh Android va lOS) \ a \N'eb App. nham hd trp td'i da trai nghiem ciia cac nhdm dd'i tffdng lien quan ldi he Ihd'ng. (Hinh 3)
- D d i tu'dng nha hao tam: hp cd lhe trai nghiem he ihdng thdng qua ca mdi iru'dng Mobile App vii Web App Viec cho phep irai nghiem iren ca hai m d l iru'dng nay giup hp de dang thffc hien hoal ddng thien nguyen mpi liic. moi ndi, tren mpi thie't bj dien tff.
- Dd'i tu'dng v;m hiinh he thd'ng: dffdc thie't ke td'i ffu iren mdi tru'dng Web App. giiip cdc nhdm van hanh he thd'ng de dang thffc hien cac tac vu nhff dii phan tich d tren (Hinh 4).
4. D a n h gia k e t qua thffc h i ^ n
Trong vdng 5 thang trien khai (01/2020 - 05/2020). V l thien nguyen Small Giving cd ban hoan ta'l eac tinh niing de ra tren ca hai mdi trffdng Mobile App \ a Web App (Bang 1).
Qua trinh trien khai xay dffng, viec phan licb/thie'i ke'he ihddng du'de thffc hien biii ban; viec xSy dffng he thd'ng cd ban hoan tii'i 25 tinh nang diinh cbo ngffdi dilng \ a quan tr; he thd'ng, dam bao tich hdp giffa 2 he thd'ng V i thien nguyen Small G i v i n g va nen tang Wa>4Platform; viec kie'm thff he thd'ng (63 kich ban k i e m thu') dffdc thffc hien sdm. nham phat hien ra cdc sai sdt khdng mons mud'n cd the xav ra.
TAP CHi CONG THIfOfNG
Hinh 3: Giao dien danh cho nha hao tdm tren moi tnfdng Mobile App (trdi) va Web App (phai)
B^9
Ddi khi nhOng dl4u ban ldm ^
f ' Nhonho ^
SL'du td khoan 750000VND
Hinh 4: Giao dien quan ttj Vi thien nguyen Small Giving tten moi tnfdng Web App
' • ' • . '
. a l l ' .
Bang 1. Tong hdp mot sd c o n g viec trong trien khai x a y dffng Vi thien nguyen Small Giving
N$i dung thilc hi$n SoiU^ng
Thiet ke cac quy trinh nghiep vu cua Vi thien nguyen Small Giving Thiet ke/xay dung giao dien tren moi tnidng Mobile App Thiet ke/xay dung giao dien tren mdi trudng Web App
Thiet ke cac bang co so dd lieu nham iuu tnj thdng tin cua Vi thien nguyen Small Giving Tu phat trien cac API tren Vi thien nguyen Small Giving
Cau hinh/su dung cac API tren he thdng Way4Platform Xay dung tinh nang danh cho ngudi ddng va quan tn he thong I Viet va (hue hien kich ban kiem thu Vi thien nguyen Small Giving
15 19 34 14 26 10 25 63
TAI CHINH-NGANHAN6-BAO HIEM
Trong thdi gian ldi, h6 thd'ng Vi thien nguyen Small Gi\ing dff kien se dffdc chuyen giao cho Doan ihanh nien/Hpi sinh vien Hoe vien Ngan hiing inen khai \a van hanh. Day se la giai phdp gilip trien khai nhanh chdng hoat dong thien ngu>en tai Hpc vjen Ngan hang va gan ke't cac nha iai trd
5. KS'lIuSn
Tif nhffng ke't qua dii dat dffdc, cd the danb gia.
vithien nguyen Small Giving lii mot san phii'm ffng dung y nghia. giup thay ddi md hinh thien nguyen iruyen thdng. cd tinh lan loa cao, dUdc ihffc hien b5i chinh nhdm sinh vien Hpc vien Ngan hiing
dffdi sff hu'dng dan chuyen mdn ciia Khoa He thd'ng thdng tin quan ly va cac chuyen gia edng nghe ciia tap doan Openway. He thd'ng dffdc ky vpng khuyen khich cdng ddng sinh vien. can bd. giang
\ien tai Hpc vien Ngan hang ndi rieng vii cdng ddng nhffng nha hao tam ndi chung tich cffe tham gia hoat ddng ihien nguyen thffdng xuyen. \ii) dffng mdt nei \iin hda tdt dep. de cao cdc gid iri nhan dao \a tao dffng sff giin ket cpng ddng. Ben canh dd. kinh nghiem tff trien khai giai phap nay se lil mpt hiinh trang id't de cac ban smh vien tham gia thffc hien dff dn phat trien tie'p cac md hinh kinh doanh sang tao hien nay •
TAI LIEli TRICH DAN:
'Moi giai phiip Core ihanh lodii diftlc phal trien bdi lap doiin Openway (tm sdiai Bi)
"Cic id chu'c danh gui uy lin Iren lhe gidi
IMLIEUTHAMKHAO:
I.Ciim Linh (2016) Bon cich liim tif thien online khong mii'tlien"? Qud d l ' . < hltps://genk.vn/lin-icl/4-cctch-lcini- tii-lhien-onliiie-kliong-inal-lien-cpiciclc20l5!23l091954203.eliii>
2. Gio\cu thuong (2018). Happi app I'fngdung ho trd gay quy lif ihien <https:/A\nw.gioyeuiliiiong.vn/happi-cipp- ung-diing4u>-lro-gav-qiiy-lu-lliien>
3. Hung Nguyen (2019). Lala.s lfng dung giiy quy tif thien cua nhdm khdi nghiep 9X
<luips://slariup\vheel.vii/iing-dimg-gciy-qiiy-tu-lhien hnnl>
4 Minh Thi (2017). Ngu'di Viet ngii) ciing chi nhieu lien lam lif ihien. <hiips://laodong.vn/lao-clong-cuoi- lucin/ngtioi-viel-ngay-cang-chi-nhieu~tien-lcim~tu-thien-575355.ldo>
^ Momo (2019). Ciing nuoi Heo Diii MoMo chung ta\' liim ngan diSii hay <hilps://mcmio.vn/tin-tuc/lin-luc-su- kien/eimg-nuoi-heo-dcU-moino-cliung-lay-lam-ngan-dieu-liciy-999>
6. VinID (2019). Ddng gdp tif thien cho quy "Chuyen ke be nghe" iren app VinID nhif the niio?. <hitps-//vinid.nei/
tin-lcmg-liop/dong-gop-lu-thieii-clio-quy-cliiiyen-ke-be-nghe-tren-app-vinid-nliii-ihe-nao>
7. NPSourcc (201S), The Ullimale List Of Charitable Givmg Statistics For 201S. <hltps.//noiipi-ofitssoui-ee.eom/
online-giving-slaiisiics>
8. OpenWay (2019). \\';iy4 Very Digital Payments. hllps://\\-,vw opeinvciygrcmp.com/way4-digilcd-payment- soluiions>
9. SieelKuvi Inc (2018). Transforming the Philanthropic Landscape through Charity Mobile Apps.
<lillps://liaekemoon com/iran.sforming-the-philanthropic-landscape-lhrough-cliarily-niobile~apps-h7S9a5908cliie>
N!iii> nhQn b a i : 6/4/2020
Ngiiy phdn bi?n danh gia \ a sffa chffa: 16/4/2020 Nflii.^ chfl'p nh$n dSng bai: 26/4/2020
TAP Cll cone THIflllie
Thdng till tde ;'/(i 1. ThS. CHU \ AN HUY
Giang vien Khoa He thd'ng thong tin quan ly. Hoc vien Ngan hang Giang vien hffffng dSn nhom thffc hien dff an Vi thien nguy?n Small Giving tai Phong Lab Chuyen ddi sd, Hpc vien Ngan hang
2. N(;UVE:NTHIPH.AN 3. VL THI PHl/ONG 4. HA M I N H T U
5. NGUYEN THANH D U O N G 6. BUI M I N H THU
Sinh vi&n Khoa He tho'ng thdng tin quan Iy. Hpc vien NgSn hang Thanh vien nhdm thffc hien dff an \'i thien nguyan Small Giving tai Phdng Lab Chuyen ddi so', Hpc vien Ngan hang
SMALL GIVING - A NEW SOLUTION IN THE DEVELOPMENT OF CHARITY MODEL FOR COMMUNITY
• Moster. CHU VAN HUY Lecturer, Faculty of Management Information Systems,
Banking A c a d e m y of Vietnam
Instructor of Small Giving charity e-wollet project ot tine Digital transformation Laboratory - Banking A c a d e m y of Vietnam
• NGUYEN THI PHAN
• VU THI PHUONG
• HA MINHTU
• NGUYEN THANH DUONG
• BUI MINH THU
Student, Faculty of Management Information Systems, Banking A c a d e m y of Vietnam
Team members of Small Giving charity e-v^/allet project at the Digital Transformation Laboratory - Banking A c a d e m y of Vietnam
ABSTRACT:
Currently, the Industr}' 4.0 has made significant changes in the the operating model of many businesses. Applying technology in developing online charity modeks i.s a trend that is attracting the attention of organizations and phiiantbropi.sts. This is because lechnology could solve the barriers of transparency, immediacy and continuity compared with traditional charity models. Small Giving charity e-wallet project is an experiment about a new charity model developed at the Digital Transfonnation Laboratory. Banking Academy of Vietnam. This paper focuses on pre.senting (1) the problem context. (2) ideas. (3) overall system architecture design and (4) some results related to this meaningful solution.
Ke\ words: Charit\' model, disital transformation. Small Giving. Way4Platform.
