THANH TOAN DIEN Tl/
DIEU KIEN PHAT TRIEN VA GIAI PHAP
> LE TRUNG CANG
TOM TAT:
Ng&y nay, sir tie'n bp viiat bac cua khoa hpc cong nghe, dSc biet la trong ng&nh cong nghe thong tin vdi Sli ra ddi cua internet da lac dong manh me de'n cac hoat dpng kinh te' - xa hpi. Trong ITnh vifc luu thong tien t6, nhu cau thanh toan giao dich khong siJ dung tien mat xuat hien b6n canh cac hoat dpng trao d^i mua ban hang hoa tnjfc tuyen. Mobile Money (tien di dgng) va E-Money (vi di$n tu") \k nhffng hinh th^c thanh toan dien tu* cho phep thifc hien c^c dich vu tai chinh mS kh6ng su" dung tiln mat.
Bai vi6't d l cSp dd'n nhffng hinh thffc thanh toan dien tu" nhif Mobile Money va E-Money, kha nang thu'c hidn, dilu lti6n d l phat trien ciing vdi nhiJng giai phap trffdc mat nh&m dffa nhffng hinh thffc thanh toan nay v^o trong thffc te cupc song. Dieu nay ddp ffng vdi ySu clu mk Chinh phu de ra trong Chie'n Iffdc ph^t triin tai chinh toan dien da dffdc ban hllnh thdng 1/2020.
Tff khoa: Thanh todn dien tff. Mobile Money, E-Money, giao dich trifc tuyd'n.
1. Datv3'nde
Thanh toan dien tff la hinh thffc thanh toan mdi, nhan dffdc sff quan tSm cua nhieu quoc gia trong bo'i canh cupc each mang cong nghiep 4.0. DSy la bffdc phat triin t3't yeu, phu hdp vdi xu the cua tie'n bp khoa hpc - ky thuat.
Cung vdi xu thd' phat trien cong nghd trdn the' gidi, thanh toan didn tff d Viet Nam ciing dang tffng bffdc hinh thanh va tang trffdng manh me.
Chinh phu da co nhieu chinh sach ho trd ITnh vifc con tffdng do'i mdi me nay. Tuy nhien, trong qua trinh phat triin, thanh toan didn tff d Viet Nam con nhieu va'n de can phai giai quye't. Cac chuyen gia nh|n dinh, thanh toan dien tff d nffdc ta co nhieu tiem nang de phat trien khi so' ngffdi dung internet va dien thoai thong minh dang ngay cang tang. Nhffng do thoi quen sff dung tien mat con pho bie'n va trinh dp hieu bie't ve linh vffc tai chinh cua ngffdi dan con han chd' ndn thffc te thanh toan dien tff 6 Viet Nam mdi d giai doan dau cua sff phat trien.
Hai trong nhffng hinh thffc cua thanh toan didn tff dang hinh thanh va dffdc khuyd'n khich ap dung, do la Mobile Money (tien di dpng) va E-Money (vi dien iff). Dac dilm chinh cua cac hinh thffc thanh toan nay la thong qua dffdng truyin internet CO the thffc hien nhanh chdng cac giao dich l^i chinh nhff nap tien, rut tien, chuyen tiln, thanh toan,... vdi nhffng ngffdi khac d trong nffdc cung nhff nffdc ngoai.
Bai vie't se tim hieu kha nang va dieu kien ap dung nhffng hinh thffc thanh toan dien tff mdi nay.
Qua dd, d l xuS't cac giai phap thich hdp de thffc day chung ph^t trien hdn nffa nhdm ddp ffng vdi cdc mo hinh kinh te' mdi trong thdi dai cdch mang cong nghiep 4.0 hien nay.
PhUdng phdp nghien cdu: Bai vid't dffa tren cac ly thuye't kinh td', thanh todn dien tff de mo ta. giai thich va phan tich dinh tinh.
Dd'i IUdng vd phgm vi nghien cdu: Doi tffdng nghien cii'u la cac hinh thffc thanh todn didn tff hi^n nay tai Viet Nam. cu the la Mobile Money vi
2 9 6 So 14-Thang 6/2020
KINH DOANH
E-Money. Pham vi nghien cffu cua bai vie't gidi han ve nhii'ng kha nang, dieu kidn ap dung thanh toan didn tff. Tff do, de xua't cdc giai phap thffc hien va phdt trien 2 hinh thffc thanh toan nay.
2. Thanh toan di$nt^
2.1. Khdi nif m
Thanh todn dien tff hay thanh todn trffc tuyd'n 14 hinh thtfc thanh toan khong sff dung tiln mat, da pho bien trdn the' gidi trong nhffng nam gan day.
Ci5 thi hieu, thanh todn dien tff la viec giao dich qua mang internet, thong qua do ngffdi sff dung thtfc hidn cdc hoat ddng thanh toan; chuyin, nap hay nit tien,...
Hien nay, d Viet Nam, cac hinh thffc thanh to^n dien tff dffdc sff dung ph6 bie'n nhat, bao g6m:
Thanh todn bang the, thanh todn qua cong thanh todn, thanh toan bdng vi dien tu" (E- Money) va thanh todn bang thie't bi didn thoai thong minh (Mobile Money). Thffc te', moi hinh thffc deu cd nhii'ng tin diem vu'dt trdi ridng va tijy vao nhu cau, ngffdi dilng c6 the lifa chpn cho minh mdt hay nhilu hinh thtfc thanh todn phu hdp de sff dung.
Mobile Money (tien di dong) la cac dich vu ke't noi khdch hang ve mat tai chinh thdng qua mang di dpng. Ban chat cua dich vu Mobile Money la chuyen doi hinh thffc tiln mat sang tien didn tff theo El le 1:1. Can phan biet gitta E-Money va Mobile Money.
E-Money cho phep lffu giff mpt gia tn tien te dffdc dam bao bdng gid tri tien gffi, tffdng ffng vdi gid tri tai khoan thanh toan cua khach hang gffi vao t^i khoan ddm bao thanh todn cua to chtfc cung ffng dich vu trung gian thanh todn theo ty Id 1:1.
Diem gid'ng nhau: Thtf nhat, E-Money va Mobile Money dIu la tai khoan dien ttf dinh danh.
Thtf hai, E-Money va Mobile Money khdng dffdc lam phdt sinh Iffdng tiln te.
Tuy nhidn, hai dich vu nay cd nhffng diem khdc biet:
- Dich vu E-Money cd lien ket vdi tai khoan ng3n hang cu the, con Mobile Money khdng lidn k^t vdi tai khodn ngan hdng.
- Vdi E-Money, viec dinh danh khdch hang dffdc thifc hidn bdi cdc ngan hang. Day cung la diem khac biet ldn nhS't khi viec dinh danh cua Mobile Money dtfdc thtfc hidn bdi chinh cdc nha mang.
Thdch thffc vdi cac nha mang la kho dff lieu khach hang phai chinh xdc, trdnh mao danh va xdc thffc dffdc nhff d cdc ngan hang.
- Mobile Money la mot tai khoan didn tff dinh danh dffdc thffc hien thong qua thiet bj di dpng, trong khi tai khoan dinh danh cua E-Money phai di/dc lffu trff tren he thong. Dieu nay doi hoi nha mang phai cd mdt he thd'ng cdng nghe thdng tin lu\i trff toan bp dff lieu nay.
2.2. Ldi ich cua thanh todn dien td Muc tieu chung cua dich vu thanh todn didn ttf la hoan thien he thd'ng tai chinh, thtic da'y tai chinh toan dien, thu hep khoang cdch giau - ngheo va khoang each vl gidi rrong vide sff dung cdc dich vu tai chfnh chinh thd'ng trong khi vln bao dam cac quy dmh vl an toan. bao mat, phdng chd'ng rffa tien va tai trd khung bd' song song vdi bao vd ngffdi dung. Theo Bd Thdng tin va Truyin thdng, tinh de'n he't ndm 2018, the gidi da cd 90 nu'dc cha'p nhan Mobile Money, gan 900 trieu ngffdi diing, giao dich mdi ngay la 1,3 ty USD, tang trffdng 20%, rieng chau A tdng trffdng 31%. Cd nhieu nffdc, ty le ngffdi dan sff dung Mobile Money ldn tdi trdn 50%.
Dd'i vdi Viet Nam, ngay 29/5/2020, Chinh phu ban hanh Nghi quye't 84, trong do "Thu tffdng Chinh phu da dong y trien Idiai thi dilm loai hinh Mobile Money, tffc dung tai khoan vidn thdng thanh todn cac dich vu gid tri nhd ". (EBnh 1) Hinh I: Mo ia sCfdung Mobile Money
E
-Ldi ich dau tidn cua thanh todn dien tff la giup qud tnnh thanh todn dd dang va ddn gian hdn. Gid day, khdch hang cd thi thanh toan mpi luc, mpi ndi vdi cdc thid't bi di ddng dtfdc kd't nd'i internet ma khdng phai chu\en tien mat hoac quet the.
Ngtfdi tieu dung mong mud'n trai nghiem mua sdm nhanhchdng.
- Hdn nffa, thanh todn didn tff tham chi cdn an toan hdn la thanh todn qua ngan hang. Thdng tin cd nhan cua ngtfdi sff dung khdng dffdc IffU trtf trffc tie'p tren smartphone ma la tren didn todn ddm may.
- Thanh todn dien tff se giiip ngffdi dan ngheo khu vtfc ndng thdn. vung sau. vung xa tid'p can cac
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dich vu tren nin tang internet nhtf y td', gido due, tai chinh, viec lam va an sinh xa hoi.
- Viec phdt triin thanh todn didn ttf se tao ndn nhieu doanh nghidp trong ITnh vffc kinh te' so', cdc cdng ty khdi nghiep cong nghd. Khdng chi kich thich cdc doanh nghiep kinh doanh ky thuat so' ma thanh todn didn tff cdn thiic day tie'p can cdc dich vu tai chinh. Day se la phffdng thffc thanh todn phd bidn nha't dtfdc chap nhan bdi cdc cdng ty khdi nghiep, nha't la doi mdi sdng tao.
- Cud'i cung, gdp phan tang trtfdng kinh te'.
Dffdc bie't, cac qud'c gia cho phep thanh todn didn tff hoat dpng (Mobile Money) deu tao ra tang trffdng kinh te' tdi 0,5% (theo Bd Thdng tm va Truyen thdng).
Thdng thffdng, giao dich thanh todn qua mang de thu hut sir chii y cua tdi pham cong nghe cao.
Viec dp dung he thd'ng thanh todn dien ttf can he't sffe can trong. Nhffng bidn phdp bao dam an ninh, an toan cho cac dich vu thanh todn dffa trdn cdng nghd eao can phai du'dc tang cu'dng, hoan thien lien tue va thffdng xuyen cap nhat.
3. Kha nang va dilu kien phat tri^n thanh toan dien tuT
3.1. Khd ndng phdt trien thanh todn di^n td Tai Viet Nam, thanh toan didn tff la dich vu
tffdng dd'i mdi, tuy nhidn cd nhilu tiem nang phat triin manh me trong tffdng lai, xet \ e ca phia cung va cau.
Ve phia cung, Viet Nam co lffdng ldn thud bao dien thoai, khoang 129,5 trieu thue bao (theo TCTK, 2019); trong dd so'didn thoai di dpng bdng rdng 3G va 4 0 la hdn 61,3 trieu thud bao, mang dien thoai di ddng da dffdc phu kin h£u he't cdc dia phffdng trdn loan qud'c. Vdi 43,7 tridu ngffdi dilng smartphones, chie'm ty le gan 45'7f dan sd'(2019), Viet Nam dang d mffc trung binh khu vffc, cao hdn so vdi An Dd, Philippines, Indonesia va Thai Lan (Hinh 2)
Ve phia cau, cdn rat nhilu cd hdi de phdt trien thanh todn khdng dung tien mat tai Viet Nam. Hidn nay, mdi cd khoang 63% ngffdi ldn (tren 15 tu^i) cd tai khoan ngan hang (theo Ngan hang Nhd nffdc, thdng 11/2019), tha'p hdn so vdi Trung Qud'c (807e) va chau A - Thai Binh Dffdng (70%) (theo Ngan hang The'gidi). Ty trpng tien mat trdn t6ng phffdng tien thanh todn cua Viet Nam nam 2019 id 11,33%
(giam 0,45% so 2018), phai phd'n da'u quyd't liet mdi cd the dat muc tidu khodng 10% cud'i nam 2020 theo dinh hffdng Chinh phu. Ty Id tien mdt trong lffu thong/GDP cua Viet Nam ndm 2019 Id 20,2%, cao hdn nhilu so vdi cdc nffdc trong khu vffc
Hinh 2: Tinh hinh si^ dung Internet tai mot so quoc gia (thang 6/2019)
171J6
K 118.63
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TruniQiiJc tnBt Indonesia NhitBin Philippines VKtNam Ihii lan HlnQu6c Malaysia
^ S6 ngDU ding Internet (trifo ngiriri) Tftf^ati dnng Internet (%) .Sgudn. Inteminorldslats 12019)
298 So 14 ' Thang 6/2020
KINH DOANH
(theo Financial Inclusion). Vi vdy, Viet Nam con dff dja va cd kha nang phdt trien thanh todn dien ttf trong tffdng lai gan, dd cung la mot trong nhffng muc tieu trong tdm cua Chinh phu trong Chie'n Iffde phdt trien tai chinh toan dien da dffdc ban hanh thdng 1/2020.
3.2. Bieu kifn dephdt trien thanh todn dien td Thvl nhdt, Hodn thien khung phdp ly Xu hffdng phdt triin cung vdi nhffng ldi ich mang lai cua thanh todn dien tff doi hdi cd mpt khudn khd phdp ly ro rang, cu the, chat che de the che'hoa chu trffdng dffdc Chinh phu dat ra. Mot van ban phap ly d^ sffe manh se tao nen tang thuc d^y loai hinh dieh vu nay, vtfa kiem sodt chat che cde ddn VI cung cd'p dich vu, ngan ngffa canh tranh kh6ng lanh manh; vffa phdng ngffa tinh rui ro eua m6t phffdng thffc mdi trong loai hoat dpng cd tinh nhay cam cao la lffu thdng tien te.
Khi xay dffng khung phdp ly lien quan de'n thanh todn di ddng ndi chung va Mobile Money, E- Money noi ridng, nha quan ly chinh sdch co the tap tmng vao eae npi dung ehinh ve tinh phap ly difdc To chffe Hiep hdi Thdng tin Di dpng Thd' gidi (GSMA) dffa ra lien quan dd'n cdc vd'n dl: Dinh danh khdch hdng, phan loai khdch hang, phat trien mang Iffdi dai ly giao dich tai quay, tinh minh bach, phdt trien cdng nghe va cd sd ha tang.
Thd hai, Xdy dung cdc quy dinh thanh todn thdng nhdt
Kinh nghiem qud'c td' cho tha'y, khung phdp ly cho thanh todn thffdng lien quan de'n nhieu cd quan, ban ngdnh. Ngan hang Nha nffde can ra sodt, xem x6t lai cdc quy dinh lien quan de'n thanh todn de ddnh gid stf phu hdp eua khung phdp ly doi vdi nhffng rfli ro cua cac hoat ddng thanh toan, bao gom c5 phan tang cac cdng ty cung cd'p djch vu d l dam bio gidm sat hidu qua chudi gid tri ting the cua hoat d0ng thanh todn; Nang cao vai trd cua vide chia s^
diTlieu giffa cdc nen tang va cde cdng ty thanh toan;
Han che td'i da sff phan manh ciJng vdi cac quy dinh phffc tap nhff d mpt so' nffde trdn the gidi.
Thdba, Xdy dUng 16 trinh cho cdc Ida chgn thanh todn
Hien tai, Ngan hang Nha nffdc la cd quan chiu trdch nhidm gidm sdt cac thanh todn bang tien mat ho$c ky thuat sd'; thanh todn dffa trdn cac cdng nghe nhff bdng thdng rdng vd di dpng. Khung phdp ly hidn hanh cho hoat ddng thanh todn it bi phan manh hdn so vdi cdc qudc gia khdc trdn the' gidi. Tuy
nhidn, d l gia tang hieu qua quan ly, Ngan hang Nha nffdc nen xay dtfng mdt Id trinh chung cho cac thanh todn bdng tien mat vd thanh todn so' phu hdp vdinhu cau thanh todn cua xa hpi.
Lp trinh chung cho hoat dpng thanh todn can bao gom cdc ndi dung: Thuc day hieu qud va giam chi phi cho cdc hoat ddng thanh todn; Cd sd ha tang cho thanh toan nhif td'c dp ket nd'i va dd phu di ddng;
Dam bao ngffdi dan dIu dffdc tie'p can, khdng ai bi
"loai trff ky thuat so." Ngan hang Nha ni/de ciing can nghien ctfu va xdc dinh cac trd ngai cd thi anh hffdng de'n cdc Iffa chpn thanh todn ngang hang vdi chi phi tha'p va nhanh ehdng, dac biet la cac tCiy chpn d\i(3c cung cap bdi ffng dung di dpng ma dff bdo cd the xua't hien tai Vidt Nam.
Thd tu, Xdy dung cdsd hg tdng ky thuat Nghien ctfu cua MeKinsey & Company eho tha'y, xtf ly mpt khoan thanh toan xuyen bien gidi, trung binh ton kem gap 10 lan so vdi xtf ly khoan thanh toan trong nffdc. Mdi khoan thanh todn phai qua nhieu khu vffc phdp ly va ed sd ha t^ng thdng qua mang Iffdi ngdn hang dai ly, dilu nay khie'n viec thanh todn cham, td'n kem va thie'u minh bach.
Sff ra ddi cua cdc md hinh ngan hang mdi nhff Ngdn hang Md se cd dnh hffdng de'n hoat ddng thanh toan xuyen bien gidi trong tffdng lai.
Hien tai, cdc hoat ddng ffng dung cong nghe cho dianh todn qud'c te'da dffdc mdt so'ngan hang tnen khai nhtf da de cap d tren. Day la va'n de ma cac cd quan quan ly tai Viet Nam can lffu y trong thdi gian tdi. Theo do, cac cd quan quan ly, eu the la Ngan hang Nha nffdc can da dang hda cdc chuan va dinh danh chung de tao dieu kien cho hdp tdc quo'c te; Md tid'p can cho nhieu nha cung ca'p dich vu thanh todn xuydn bien gidi; Tie'p tue lam viec vdi cac cd quan quoc td' nhff Uy ban ve Thanh todn va ed sd ha tang thi trffdng nham hd trd vide thanh todn xuydn bien gidi hidu qua va chi phi hdn; Hdp tac vdi ngan hang trung ffdng cdc nffdc de cai thien thanh todn cho cdc hd gia dinh vd doanh nghiep.
4. Giai phap thffc hidn
- Thd nhdt, Chinh phu va cac ban. nganh cd lidn quan sdm hoan thien khung phap ly de Mobile Money va E-Mone; ra ddi. theo hffdng khuye'n khich nhffng phai dam bao an toan. kha thi va hieu qua. Khung phdp ly phai bao trum ede hoat dpng ttf dmh danh khdch hang, phan loai khdch hang, phdt trien mang Iffdi dai ly giao dich tai quay, tinh minh bach, phdt triin cdng nghd \ a cd sd ha tang.
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Dong thdi, can quy dinh rd thdi gian thi dilm va cdch thtfc ddnh gid, tdng ke't thi diem kip thdi, chu^n xdc, de cd thi quye't dinh bffdc phdt trien tid'p theo.
- Thd hai, can han che' rui ro vl thdng tin, dff lieu. Cac quy dinh phdp luat phai dtfdc xay dffng tren cd sd bao mdt, an todn thdng tin - dff lieu, trong dd can cd quy dinh v l chia se thdng tin - dff lieu giffa ca nhan vdi doanh nghiep, giffa doanh nghiep vdi dd'i tdc, trong npi bd doanh nghiep va giffa cdc cd quan quan ly. Cu thi, cac doanh nghiep cung cap Mobile Money va E-Money can chia se cac tai khoan dinh danh cua khach hang vdi cac td chtfc tin dung, bao vd thdng tin cd nhan cua khaeh hang dang ky tai khoan dinh danh tai cac doanh nghidp.
- Thd ba, giam thieu rui ro lien quan de'n he thd'ng xff ]f, dai ly va khdch hang. Cdc doanh nghiep cung cap dich vu Mobile Money vd E-Money can lam chu he thd'ng xff ly giao dich, trung tam thanh todn; xay dffng quy tnnh, kich ban ffng phd d l kiem sodt, han ehd'cdc rui ro he thd'ng cd the lam gian doan hoac ngffng giao dich; hoan thien quy trinh nghiep vu va quy trinh quan ly riii ro boat dpng, nha't la riJi ro trong cdng nghe thdng tin. Rieng Mobile Money, cd quan qudn ly can ban hanh cae khung tieu ehuan he thd'ng dai ly (vl dd'i tffdng, tnnh dp, nang Iffe, vd'n td'i thieu,...) d l dinh hffdng cho cdc doanh nghiep cung ca'p dich vu Mobile Money cd the thie'l lap cdc tieu chi ndi bd trong Iffa chpn dai ly.
Quyen ldi, trach nhiem cua doanh nghidp cung cap Mobile Money va dai ly can quy dinh rd kem theo yeu cau ve dao tao, chuan hda quy trinh, nang cao nhdn thffc va trdch nhiem cua he thd'ng dai ly,... Dd'i vdi khdch hang, quy dinh phai ludn ed ma xac thffc, md pin hoac mat kha'u khi thffc hien giao dich tren dien thoai nham xdc minh danh tinh ngffdi dung; cho phep gidm sdt khach hang thu'c hien giao djch thdng qua he thd'ng dinh vi. Ngoai ra, khaeh hdng can nang cao y thffc va hanh ddng de bao mat, can nam rd quyin va thu tuc khie'u nai khi rui ro xay ra.
- Thd tu, Chinh phu phai cd giai phdp ngan chan tinh trang ldi dung thanh todn didn tff de thffc hidn cdc giao dieh phuc vu cho cdc muc dich xa'u nhff rtfa tiln. ddnh bac, tai trd khung bd'. Mud'n vay, can cd quy dinh \ e gidi han so' tai khoan khdch hang cd thi ndm giff, han mffc mdi lan giao
dich hay moi thdng giao dich, sd' dff to'i da tren tai khoan, cd hd ihd'ng gidm sdt cac ludng giao dich, cd kha nang canh bdo cho nha cung ca'p dich vu vl ede giao dich dang ngd.
- Thd ndm, tuyen truyen, van ddng ngffdi ddn thtfc hidn giao dich ihanh todn dien ttf. giai thich cho hp thd'y dffdc ldi ich khi sff dung, tdng cffdng gido due tai chinh trong cdng ddng dan cff nham trang bi kie'n thffc vd cdch thtfc stf dung giao dich thanh toan khdng stf dung lien mat.
- Thd sdu, can xay dtfng quy trinh va phan dinh trdch nhiem ciia cdc bdn lien quan trong vide quan ly, gidm sat, van hanh dich vu thanh todn didn ttf.
Day la mdi djch vu thanh todn, cd quan dau md'i quan ly ndn la Ngdn hang Trung ffdng vd e^n cd sff phd'i hdp chat che eua cdc bd, nganh Hen quan nhff Bd Thdng dn - Truyen thdng, Bp Cdng an, Bd Tai chinh,... Dong thdi, cd chd' phd'i hdp giffa doanh nghidp eung cap dich vu thanh todn dien tff, td chffe lin dung va dai ly cung can dffdc quy dinh cu thi.
5. Ke't luan
Trong thdi dai each mang cdng nghidp 4.0, edng nghd thdng lin phat trien nhff vu bdo, hang loat cdc nganh, cac loai hinh kinh doanh ciing vdi cac hinh thffc thanh todn giao dich mdi ra ddi. Mobile Money va E-Money la hai trong nhi?ng hinh thffc thanh todn mdi dang va se xua't hidn trong thdi gian g^n ddy, tdn tai bdn canh cdc hinh thffc thanh todn truyen thdng. Day la hinh ihtfc thanh loan tfng dung khoa hpc cdng nghe vao trong linh vtfc lien te, cac khdch hang cd the thffc hien giao dich thanh todn tai chinh thdng qua mang vien thdng ma khdng can phai thanh todn trffc tiep bang tiln mat. Vi vay.
hinh thtfc thanh todn nay tac dpng nhilu mdt dd'n nen kinh te', xa hdi Viet Nam: Giup qud trinh thanh toan dd ddng, ddn gian va an toan hdn la thanh todn trffc tie'p bdng lien mdt; Giiip ngffdi dan ngheo d khu vffc ndng thdn, vung sdu, viing xa tie'p cdn cdc dich vu tren nen tang internet nhtf y te, gido due, tai chinh, vide lam va an sinh xa hpi; Tao nen nhieu doanh nghiep trong ITnh vffc kinh td' so; Gdp phan tang trffdng kinh le'.
Song, vide nghidn cffu Mobile Money va E- Money ndi rieng eung nhtf cac hinh ihffc thanh loan didn tff ndi chung tai Vidt Nam trong bd'i canh each mang cong nghidp 4 0 la mpl va'n de ldn va lau ddi, can nghien cffu cu the hdn. Bdi viet gdi md cho cdc nghien cffu sau nhdm di sdu hdn vdo cdc hinh thffc giao dich thanh lodn mdi •
300 So 14-Thang 6/2020
KINH DOANH
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Ngay nhfln bai: 25/5/2020
Ngay phan bien 4anh gia va sita cbiJa: 5/6/2020 Ngay cbap nMn dang bai: 15/6/2020
Thong tin ttic gid:
ThS. LE TRUNG CANG
Trtf((ng Dji hoc Kinb te'TP. H 6 CM Minh
ELECTRONIC PAYMENTS
- DEVELOPMENT CONDITIONS AND SOLUTIONS
• Master. LE TRUNG CANG University of Economics Ho Chi Minh City
ABSTRACT:
The scientific and technological breakthroughs, especially in the information technology industry, and the rapid growth of the Internet have strong impacts on socio-economic activities.
In the field of monetary circulation, the demand for non-cash payment have grown thanks to the increase in online transactions. Mobile Money and E-Money are electronic payment methods that enable financial services happen without cash. This article presents electronic payments such as Mobile Money and E-Money. the possibilities of electronic payments and conditions for the development of electronic payments, thereby proposing solutions to promote the electronic payments in accordance with requirements set by the Government of Vietnam in die Comprehensive Financial Development Strategy which was enacted in January 2020.
Keywords: Electronic payment, mobile money, e-money, online transaction.
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