Mobile Banking
& flng dung tai Viet Nam
GiAi thieu sd iUQc ve Mobile Banlclno
Mobile Banking la kenh phan phdi hien dai giiip khach hang truy c^p cac djch vy ngln hang tU xa blng each sif dyng cac thilt bi di ddng kit ndi vdi mang viln thdng khdng day.Khach hang cd till kilm tra sd dutai kholn ciia hp va l|ch sif giao d{ch, ehuyin tiln, tiianh toan hda don, kmh doanh chimg khoan va quIn ly danh myc dlu tjjtai chinh. Theo nghia tdng quat nhIt, Mobile Banking dUpc hieu la vi0e sit dyng mdt tiiilt b| di ddng thdng qua mang viln thdng d l kit ndi vdi mdt td chUc tai ehinhnigan hang giiip khach hang tiiyc hien yeu elu v l dich vg.
Xet theo md hinh td chUc kmh doanh ciJa cac don Vl cung cap Mobile Bankmg cd the phan tiianh cac md hinh: md hinh ngan hang lam ehu dao, md hinh hop tac ngan hang - viln thdng, md hinh cdng ty viln thdng lam chu dao va md hinh do ben tiiU ba lam chiJ dao.
Theo cdng nghe sir dung thi Mobile Banking dUde trien khai dUa tren mpt trong bdn hinh thai bao gdm: cudc gpi thoai tUPng tac - IVR (Interactive Voice Response), tin nhin ngln - SMS (Short Message Service), giao thUe iing dyng vd tuyen - W/AP (Wireless Application Protocol) va Ung dung khach hang dpc lap (Mobile Client Applications),
Khong the phii nhan nhtmg Ipi ich tU dieh vy Mobile Banking. Ddi vdi ngudi dung cudi, Mobile Bankmg that don gian va d l siJf dung.
cac giao dich cija khach hang thdng qua Mobile Banking deu dupe bao mat cao. Vdt thi manh cua dich vy di ddng, ngudi diing ed the thUe hien cac giao djch ngan hang moi luc, moi noi. Gia cudc sii dyng dich vg Mobile Banking ngang blng vdj mife phi ciJa cac dich vy ngan hang thdng thUdng.
Bdi vdi cac ngan hang sif dyng djch vy nay d l cung d p cho khach hang, h | thdng linh hoat va kha nang md rdng cao cd kha nang md rdng de kit not din nhilu he thdng thanh toan khac nhau, giiip ngan hang ed the md rdng mang lUdi djch vu de dang. Day cung la giai phap dam bao yeu cau an ninh, an toan eho eac giao djch ngan hang. Hdn nUa, ngan
hang khdng phli dlu tu hd thdng, thdi gian tnln khai d|ch vy , nhanh, chi | phi thIp so vdi vide tu dlu 1 tu hd tiidng cd tinh nang tUOng dUPng...
Ana (tvng inobiie Banliinit lai Viel
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Ngan hang A Chau (ACB) tien phong trien khai tUnam 2003, tren CP
sd hpp tac vdi Cdng ty Phln mIm & Truyen thdng VASC va hai nha cung elp djch vy dien tfioai di ddng MobiFone va VinaPhone.
Den nay, hlu hit cac ngan hang deu da cd Mobile Banking nhu mdt trong nhQTig dich vy cua ngan hang tryc tuyln.
cac ngan hang khdng ngimg gia ting tien ich cho khach hang sif dyng. Vdi img dyng nay, khach hang cd thi tiiyc hien cae giao djch nhu: truy van thdng tin tai kholn (sd dU, lidt kg giao djch), chuyen khoan (tai mpt sd ngan hang thUdng mai, han mUe cd the Idn din 500 tndu ddng mdt ngay ), thanh toan tryc tuyln. Ngoai ra, khach edn cd thi mua the tra trude: dl^n thoai di dpng, Internet, di?n thoai tra trude...; nap tien didn tif;
thanh toan hda ddn: dign, nude, didn thoai, Internet, hpc phi.,, L/ng dyng Mobile banking edn cd the cung elp nhUng d|ch vy nhu npp thul thu nhap, rut tien tai ATM hay th$m ehi giai ngan/ thu np eac khoan vay...
So phien ban cu vdi phUPng thUe k i t ndi SMS, phien ban mdi Ung dung Mobile Banking tai nhilu ngan hang cd chifc nang k i t ndi GPRS/VI/i-fi, dong thdi bd sung them nhiFng ti'nh nang mdi giup ngUdi diing giao dich nhanh chdng va d l dang hdn. 0$c biet, cac ngan hang chit y nhieu hPn din Uu diem vupt ti-di cua phidn bin mdi nay la han
chi viee nghen tin nhin khi gili ho^c nhan, t i t ktdm ehi phi kit ndi va giao dieh, cai dat d l dang va ddn gian, xac thuc eac giao djch tat chinh qua the xac thuc. The xac tiiUc la the do ngan hang phat hanh nhlm xac tiigt khach hang ho^c xae thuc giao dieh tai ehinh phat sinh tren tai khoan cua khach hang thdng qua kenh ngan hang ^en tijf. The xac thuc boat dpng dua tren nguyen tic mpt ma tran cae s6 nglu nhien theo dang hang cot (gdm 64 d sd, mdi d chUa 3 sd tao thanh 8 hang x 8 edt). Ma xac thUe la cae gia trj so tren the xac tiiyc. Khi thuc hien cac giao dich tai chinh, he thong se tao ra 2 d sd tpa do ma xae thyc nglu nhien va yeu clu khach hang tra tU cac d sd ti-ong ma tran cua the xac thuc. Khach hang phai nhap diing gia tii d l hoan t i t giao dieh, nhlm dam bao an toan eho giao dich tai chinh cua khach hang.
MIc dii cac ngan hang da chii y nang d p ha ting cd sd de phat tnln Ung dyng Mobile Banking nhung trong qua trinh giao dich vlr khdng ti-anh dupe nhtmg ti-ye ti-ac, ti'ong do cd ly do phy thupc vao mang viln tiidng khiln giao dieh chua dUdc tiidng sudt. Ching han khi mua dd hoac cln thanh toan gIp m^
hang, nlu khach hang girt tin nhin y6u c^u thanh toan ma tin nhan lai bj ket lai 6 b^t ky khau nao, tu khach hang den ngan hang hay tiy ngan hang phan hdi lai, giao djch rIt kho diln ra tiianh cdng. Hdn nOa, nhting vln dh hen quan den bao mSt thdng tin khi sif dung Mobile Banking vln dang la rao can Idn da vifi khach hang khi mudn sif dyng dich vy.
2 2 ^ TAP CHI-HN HOC I4GAN HANG • s 6 4(128) • 5/2012
miot sii giai phap phallrien img dung Mobile Banking tai Viet Nam
ThU nha't, cae ngan hang cln chii y gia ting dac tinh d l dang sd dung dich vy Mobile Banking. Cy ttie, ddi vdi hinh thai SMS Bankmg, cac ngan hang cd the tien hanh cung cap SMS Banking Application cho khach hang si!f dung, Vdi giao di|n menu va cac module cd san va cac tin nhan gin di dupe luu 6 muc luu trO cua Ung dyng thi khach hang khdng phai nhd clu triic eii phap cua tin nhan va gitf bi mat thdng tin tai ehinh ca nhan.
Khi tien hanh ky k i t hpp ddng cung d p dieh vy Mobile Banking qua Mobile Client Applications, cac NHTM nen tiln hanh khao sat cac ddng dien tiioai phd biln dViet Nam de yeu elu nha thIu thiet k l tuong thich, ben canh do ed phli de eao sd tiiJch cua ngudi sif dyng d module tiJy ehpn de khach hang thilt lap eac chi dd va giao dien sif dung ttiuan tien nhat.
Kenh chuyen dU lieu Mobile giiTa khach hang va ngan hang phai linh hoat giifa SMS/GPRS/Wifi/3G de tao dilu kien cho
khach hang ket ndi 24/24h vdi ngan hang khi khach hang thudng xuySn di chuyen va chpn kenh kit ndi phii hpp.
Thif hai, ngan hang cln gia tang tinh hflu ich ciia d]ch vy Mobile Banking, Nhlm cung d p cac loai hinh djch vy da dang, tidn ich nhIt cho khach hang ddi hdi hd thdng Mobile Banking cua cac NHTM phai kit ndt vdi nhau cung nhu cac NHTM phli chit dpng lifen kit vdi cac cdng ty cung d p djch vy thanh toan ti-yc tijyin va cae dai ly chip nh^n thanh toan qua Mobile Banking. 0 day cln chii y den sy lien kit chat ch§ giifa ngan hang va cdng ty viln thdng. Khi mudn ti-iln khai nhCfng dieh vy ydu clu can thidp sau v l mat ky thu^t nhU biln "dl" thanh vi tien hay thd tin dyng, cac ngan hang chic chin phai dat dUpc thda thuan vdi cac cdng ty thdng tin di ddng.
Viec phat trien tien Ich ehuyin tiln qude t l thdng qua Mobile Banking phai dupe coi la chien lUpe dai han eua viec ung dung Mobile Banking vao hoat ddng kinh doanh ngan hang d Viet Nam.
ThU ba, cac ngan hang cln chii </ gia tang tinh bio mat cija he thdng Mobile Banking thdng qua eac hinh thai Mobile Banking cd
tinh bao mat cao hPn nhU SMS Banking Application, VI/AP hay Mobile Client Applications. Odng thdi, eac NHTM nen sif dung hinh thUc xac tiiUc da nhan td kit hpp vdi vi$c ma hda dif li$u va bao mat bang cdng nghd sinh trie hpc: van tay, anh mIt kit hpp.
cae NHTM nen sif dyng bien phap bao m^t 2 nhan td cho ca 4 hinh thai Mobile Banking khi ed may chii xac thyc (Authentication server) tham gia vao quy ti-lnh xac tiiyc va bio mat dUlidu cho Mobile Banking.
ThU tu, cac ngan hang can ehii y xay dyng cac chinh sach v l ehi phi vdi Mobile Banking cho phii hpp vdi thyc trang tai Vidt Nam. Vi dy cac ngan hang cd thi chpn cae kSnh kit ndi da lieu qua Wifi/GPRS/3G de ed chi phi tdt hdn so vdi SMS hay IVR (cudc goi thoai tuong tac- Interactive Voice Response) cho khach hang khi sif dyng Mobile Banking.
ThU nam, de cd thi img dung rdng rai Mobile Banking vao hoat ddng kinh doanh ngan hang ddi hdl phai cd khung phap ly hoan chinh quan ly dich vu Mobile Banking, trong dd cd nhOng quy dmh ve cac tieu chuln an toan, dieu kien boat ddng va eac quy dmh bio ve quyln Ipi khach hangs
NHNN day manh iing dung CNTT vao cai each thu tuc hanh chfnh
Thdng ddc NHNN da ky Quyet dmh sd 582/OfrNHNN ban hanh ban hanh ke hoach eii each hanh chinh (CCHC) nam 2012 cOa NHNN, trong do nhan manh viee day manh Utig dyng cdng nghe thdng tin trong hoat dpng cDa NHNN.
Theo do, muc tieu cQa ke hoach CCHC nam 2012 nhlm xac dmh va td chUe thuc hidn cd hieu qua nhi^g nhiem vy CCHC eua NHNN nam 2012, ti-ong dd tap ti-ung vao cdng tac cai each the ehe vdi nhi^m vy trpng tam la hoan thien cac van ban hudng din Luat NHNN va Luat cac TCTD, su'a ddi Phap lenh ngoai hdi gin vdi cai each thii tyc hanh chinh, nham nang eao hieu lUc, higu qua quIn ly eua NHNN ti-en cac Tnh vuc tiln te, ngan hang, dap Ung ydu clu phat tnln kmh t l thi trudng dinh hudng XHCN va hdi nhap qude te.
Oe thue hien dupe myc tieu trdn, NHNN se cai each the ehe; Cai each thij tuc hanh chinh; Cai each td chUe bp may; Xay dyng va nang cao chat lUpng ddi ngu can bd, cdng chUe; (v) Cai each tai chinh cdng va
Hien dai hda nIn hanh ehinh nha nude.
v l cai each the ehe, NHNN se tilp tuc xay dung, hoan thien he thdng phap luat bin te va hoat ddng ngan hang phii hpp vdi thdng ie, chuan mUc qudc t l va dilu ki^n Viet Nam, trong dd tap trung hoan thien cac van ban hudng din Luat NHNN va Lu|t cac TCTD, xay dung Phap l^nh s\Ja ddi, bd sung mdt sd dieu eua Phap Idnh ngoai hdi; tilp tyc hoan thien hai du an Luat Bao hiem tien gili va Luat phdng, chdng rij-a tien de trinh Qudc hpi thdng qua nam 2012. Dong thdi, nang cao chat lUpng va ddi mdi quy trinh xay dung VBQPPL phii hdp vdi yeu clu xay dung va ban hanh the che; tap trung nguon luc xay dung, ban hanh theo dung chuong trinh xay dung phap luat va diing quy dinh ve trinh tu, thij tuc xay dung va ban hanh VBQPPL.
Ve nhidm vy cli each thiJ tyc hanh chinh CTTHC), NHNN se tiiyc hien dung k l hoach cdng tac kiem soat TTTIC; hoan thanh viec thuc thi cae phUdng an ddn gian hda TTHC thudc pham vi, chifc nang quan ly cua
NHNN tiieo Nghi quyet cua Chinh phu; tiiUc hien cdng tac ra soat eac quy djnh, TTHC thupc pham vi quan ly eua NHNN; Kiem soat chat che viee ban hanh mdi, thay the, siia doi cac TTHC thupc cac ITnh vUe tien te va boat ddng ngan hang.
Mat khac, phli kip thdi cong bd cdng khai eac quy dinh, TTHC thudc pham vi chUc nang cua NHNN tren Cd sd dU lieu qudc gia va Website NHNN; ThyC hien kip thdi, dung quy djnh vi?c tilp nh$n va xif ly phln anh, kiln nghj ciia cac td chUe, ca nhan v l quy dmh hanh chinh thudc pham vi quan ly cua NHNN.
Oly manh img dyng cdng nghe tiidng tin, hi?n dai hda nIn hanh chinh, NHNN chidao triln khai, xay dung Oe an dich vy cdng true tuyln mife dp 3,4 ddi vdi eac TTHC tiiudc pham vi, chUe nang quan ly cua NHNN de trien khai va hoan thanh trude nam 2015...
cung la nhiem vy trpng tam de cai each tai chinh cdng va hien dai hda ndn hanh chinh nha nudc cua NHNN trong thdi gian tdi.
KO
isn).5;2012 • 23
