{"id":1913,"date":"2023-06-17T15:10:15","date_gmt":"2023-06-17T08:10:15","guid":{"rendered":"https:\/\/bilaw.vn\/?p=1913"},"modified":"2023-07-22T16:20:00","modified_gmt":"2023-07-22T09:20:00","slug":"thach-thuc-va-giai-phap-phap-ly-ve-chuyen-doi-so-linh-vuc-tai-chinh-ngan-hang-tai-viet-nam","status":"publish","type":"post","link":"https:\/\/bilaw.vn\/?p=1913","title":{"rendered":"Th\u00e1ch Th\u1ee9c V\u00e0 Gi\u1ea3i Ph\u00e1p Ph\u00e1p L\u00fd V\u1ec1 Chuy\u1ec3n \u0110\u1ed5i S\u1ed1 L\u0129nh V\u1ef1c T\u00e0i Ch\u00ednh Ng\u00e2n H\u00e0ng T\u1ea1i Vi\u1ec7t Nam"},"content":{"rendered":"

Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng (Digital Banking) l\u00e0 xu h\u01b0\u1edbng c\u1ee7a th\u1eddi \u0111\u1ea1i k\u1ef7 nguy\u00ean s\u1ed1 nh\u01b0 hi\u1ec7n nay, l\u00e0 vi\u1ec7c \u1ee9ng d\u1ee5ng n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 s\u1ed1 \u0111\u1ed1i v\u1edbi c\u00e1c ch\u1ee9c n\u0103ng, s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 \u1edf m\u1ecdi c\u1ea5p \u0111\u1ed9 trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng. \u0110\u00e2y l\u00e0 m\u1ee5c ti\u00eau chung c\u1ee7a to\u00e0n ng\u00e0nh ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam trong th\u1eddi gian t\u1edbi. V\u00e0 \u0111\u1ea1i d\u1ecbch Covid – 19 \u0111\u00e3 mang l\u1ea1i \u0111\u1ed9ng l\u1ef1c th\u00fac \u0111\u1ea9y cho l\u0129nh v\u1ef1c n\u00e0y c\u00f3 c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n.\u00a0<\/em><\/p>\n

Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 t\u00e0i ch\u00ednh l\u00e0 g\u00ec?<\/h2>\n

Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 vi\u1ec7c t\u00edch h\u1ee3p s\u1ed1 h\u00f3a v\u00e0 c\u00f4ng ngh\u1ec7 v\u00e0o m\u1ecdi l\u0129nh v\u1ef1c, d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng. \u00dd ngh\u0129a c\u1ee7a s\u1ef1 chuy\u1ec3n \u0111\u1ed5i n\u00e0y s\u1ebd gi\u00fap cho ng\u00e2n h\u00e0ng h\u00f2a nh\u1eadp v\u1edbi xu h\u01b0\u1edbng chung c\u1ee7a th\u1ebf gi\u1edbi, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i cho vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a \u0111\u01b0\u1ee3c c\u00e1c ch\u00ednh s\u00e1ch cho kh\u00e1ch h\u00e0ng khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 t\u1ea1i ng\u00e2n h\u00e0ng. H\u01a1n n\u1eefa, n\u00f3 c\u00f2n gi\u00fap cho c\u00e1c ng\u00e2n h\u00e0ng ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c chi ph\u00ed v\u00e0 h\u1ee3p l\u00fd h\u00f3a c\u00e1c quy tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng.<\/p>\n

B\u00ean c\u1ea1nh nh\u1eefng c\u01a1 h\u1ed9i, ti\u1ec1m n\u0103ng m\u00e0 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 mang l\u1ea1i cho l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng nh\u01b0: gi\u00fap doanh nghi\u1ec7p t\u1ed1i \u0111a h\u00f3a l\u1ee3i nhu\u1eadn, d\u1ec5 d\u00e0ng trong vi\u1ec7c t\u00ecm ki\u1ebfm v\u00e0 x\u00e2y d\u1ef1ng m\u1ea1ng l\u01b0\u1edbi kh\u00e1ch h\u00e0ng, ti\u1ebfp c\u1eadn v\u1edbi c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn m\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 th\u00ec chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u00f2n ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi th\u00e1ch th\u1ee9c li\u00ean quan \u0111\u1ebfn ph\u00e1p lu\u1eadt. C\u1ee5 th\u1ec3, khung ph\u00e1p l\u00fd v\u1ec1 ng\u00e2n h\u00e0ng s\u1ed1 c\u00f2n ch\u1eadm so v\u1edbi t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 hi\u1ec7n nay. L\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c xem l\u00e0 ng\u00e0nh c\u00f3 vai tr\u00f2 r\u1ea5t quan tr\u1ecdng \u0111\u1ed1i v\u1edbi n\u1ec1n kinh t\u1ebf, \u0111i\u1ec1u h\u00f2a v\u00e0 v\u1eadn h\u00e0ng d\u00f2ng ti\u1ec1n trong l\u01b0u th\u00f4ng. Do v\u1eady, t\u1ea5t c\u1ea3 c\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng ph\u1ea3i tu\u00e2n theo ph\u00e1p lu\u1eadt m\u1ed9t c\u00e1ch nghi\u00eam ng\u1eb7t. Tuy nhi\u00ean, th\u1ef1c t\u1ebf, vi\u1ec7c ban h\u00e0nh c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd l\u1ea1i \u0111\u00f2i h\u1ecfi nhi\u1ec1u th\u1eddi gian, quy tr\u00ecnh v\u00e0 th\u1ee7 t\u1ee5c ban h\u00e0nh l\u1ea1i ph\u1ee9c t\u1ea1p v\u00e0 tri\u1ec3n khai t\u01b0\u01a1ng \u0111\u1ed1i l\u00e2u v\u00e0 \u0111i\u1ec1u n\u00e0y l\u1ea1i tr\u00e1i ng\u01b0\u1ee3c v\u1edbi t\u1ed1c \u0111\u1ed9 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a khoa h\u1ecdc c\u00f4ng ngh\u1ec7.<\/p>\n

V\u01b0\u1edbng m\u1eafc ph\u00e1p l\u00fd?<\/h2>\n

Nhi\u1ec1u v\u01b0\u1edbng m\u1eafc xoay quanh nh\u1eefng quy \u0111\u1ecbnh trong Lu\u1eadt Giao d\u1ecbch \u0111i\u1ec7n t\u1eed n\u0103m 2005. H\u01a1n 15 n\u0103m thi h\u00e0nh, \u0111\u1ebfn nay, Lu\u1eadt Giao d\u1ecbch \u0111i\u1ec7n t\u1eed n\u0103m 2005 \u0111\u00e3 l\u1ea1c h\u1eadu nhi\u1ec1u so v\u1edbi th\u1ef1c ti\u1ec5n. M\u1ed9t s\u1ed1 v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt \u0111\u00e3 trao quy\u1ec1n cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh ph\u01b0\u01a1ng th\u1ee9c th\u1ef1c hi\u1ec7n tr\u00ean c\u01a1 s\u1edf t\u1ef1 quy\u1ebft t\u1ef1 ch\u1ecbu tr\u00e1ch nhi\u1ec7m. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 nghi\u1ec7p v\u1ee5 c\u00f3 v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn c\u00f3 quy \u0111\u1ecbnh v\u1ee5 th\u1ec3 v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng ph\u01b0\u01a1ng th\u1ee9c \u0111i\u1ec7n t\u1eed, m\u1ed9t s\u1ed1 nghi\u1ec7p v\u1ee5 kh\u00e1c ch\u01b0a c\u00f3 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c \u00e1p d\u1ee5ng ph\u01b0\u01a1ng th\u1ee9c \u0111i\u1ec7n t\u1eed. \u0110\u00e2y ch\u00ednh l\u00e0 l\u00fd do v\u00ec sao m\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1eabn c\u00f2n lo ng\u1ea1i v\u1ec1 r\u1ee7i ro ph\u00e1p l\u00fd. Ngo\u00e0i ra, h\u00e0ng lo\u1ea1t c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1c c\u0169ng \u0111ang c\u1ea7n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 nh\u01b0 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd, gi\u00e1 tr\u1ecb ch\u1ee9ng c\u1ee9 c\u1ee7a th\u00f4ng \u0111i\u1ec7p d\u1eef li\u1ec7u. M\u1ed9t v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd kh\u00e1c xoay quanh Lu\u1eadt An ninh m\u1ea1ng, m\u1eb7c d\u00f9 Lu\u1eadt n\u00e0y c\u00f3 nh\u1eefng quy \u0111\u1ecbnh kh\u00e1 m\u1edbi v\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin tr\u00ean kh\u00f4ng gian m\u1ea1ng nh\u01b0ng ph\u1ea1m vi ch\u1ec9 gi\u1edbi h\u1ea1n trong ho\u1ea1t \u0111\u1ed9ng b\u1ea3o v\u1ec7 an ninh qu\u1ed1c gia v\u00e0 b\u1ea3o \u0111\u1ea3m tr\u1eadt t\u1ef1, an to\u00e0n x\u00e3 h\u1ed9i tr\u00ean kh\u00f4ng gian m\u1ea1ng v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u01a1 quan, t\u1ed5 ch\u1ee9c, c\u00e1 nh\u00e2n c\u00f3 li\u00ean quan m\u00e0 ch\u01b0a \u0111\u1ec1 c\u1eadp \u0111\u1ebfn m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh nh\u01b0: (i) quy \u0111\u1ecbnh v\u1ec1 ki\u1ec3m so\u00e1t v\u00e0 x\u1eed l\u00fd d\u1eef li\u1ec7u khi th\u1ef1c hi\u1ec7n c\u00e1c h\u1ee3p \u0111\u1ed3ng thu\u00ea ngo\u00e0i; (ii) quy \u0111\u1ecbnh v\u1ec1 chuy\u1ec3n d\u1eef li\u1ec7u xuy\u00ean bi\u00ean gi\u1edbi; (iii) quy \u0111\u1ecbnh v\u1ec1 b\u00e1o c\u00e1o vi ph\u1ea1m li\u00ean quan \u0111\u1ebfn d\u1eef li\u1ec7u c\u00e1 nh\u00e2n.<\/p>\n

>>> Xem th\u00eam:<\/strong>\u00a0D\u1ecbch v\u1ee5 Ph\u00e1p lu\u1eadt T\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, ph\u00e1p lu\u1eadt v\u1ec1 thu\u1ebf<\/a><\/span><\/strong><\/p>\n

Gi\u1ea3i ph\u00e1p ph\u00e1p l\u00fd?<\/h2>\n

Theo \u0111\u00f3, c\u1ea7n c\u00f3 s\u1ef1 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Lu\u1eadt Giao d\u1ecbch \u0111i\u1ec7n t\u1eed n\u0103m 2005 nh\u1eefng n\u1ed9i dung c\u01a1 b\u1ea3n sau \u0111\u1ec3 ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi nh\u1eefng thay \u0111\u1ed5i nhanh ch\u00f3ng trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/p>\n

    \n
  • M\u1ed9t l\u00e0, quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u1ec1 c\u00e1c c\u1ea5p \u0111\u1ed9 c\u1ee7a ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed. Ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c t\u1ea1o l\u1eadp d\u01b0\u1edbi d\u1ea1ng t\u1eeb, ch\u1eef, s\u1ed1, k\u00fd hi\u1ec7u, \u00e2m thanh ho\u1eb7c c\u00e1c h\u00ecnh th\u1ee9c kh\u00e1c b\u1eb1ng ph\u01b0\u01a1ng ti\u1ec7n \u0111i\u1ec7n t\u1eed, g\u1eafn li\u1ec1n ho\u1eb7c k\u1ebft h\u1ee3p m\u1ed9t c\u00e1ch l\u00f4 g\u00edc v\u1edbi th\u00f4ng \u0111i\u1ec7p d\u1eef li\u1ec7u, c\u00f3 kh\u1ea3 n\u0103ng x\u00e1c nh\u1eadn ng\u01b0\u1eddi k\u00fd th\u00f4ng \u0111i\u1ec7p d\u1eef li\u1ec7u v\u00e0 x\u00e1c nh\u1eadn s\u1ef1 ch\u1ea5p thu\u1eadn c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 \u0111\u1ed1i v\u1edbi n\u1ed9i dung th\u00f4ng \u0111i\u1ec7p d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c k\u00fd. C\u00e1c c\u1ea5p \u0111\u1ed9 c\u1ee7a ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 vi\u1ec7c ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u1ee5 th\u1ec3 cho nh\u1eefng lo\u1ea1i h\u1ee3p \u0111\u1ed3ng, giao d\u1ecbch n\u00e0o, c\u00f3 ph\u1ea3i nh\u1eefng h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh n\u00e0o c\u0169ng b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 ch\u1eef k\u00fd \u0111i\u1ec7n t\u1eed.<\/li>\n
  • Hai l\u00e0, v\u1ea5n \u0111\u1ec1 giao k\u1ebft h\u1ee3p \u0111\u1ed3ng \u0111i\u1ec7n t\u1eed. Lu\u1eadt n\u00e0y v\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn thi h\u00e0nh c\u1ea7n c\u00f3 nh\u1eefng quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u00e0 c\u1ee5 th\u1ec3 h\u01a1n v\u1ec1 ho\u1ea1t \u0111\u1ed9ng giao k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng \u0111i\u1ec7n t\u1eed. Hi\u1ec7n t\u1ea1i, nh\u0169ng quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn vi\u1ec7c giao k\u1ebft v\u00e0 th\u1ef1c hi\u1ec7n h\u1ee3p \u0111\u1ed3ng \u0111i\u1ec7n t\u1eed ch\u1ec9 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh kh\u00e1 chung t\u1eeb \u0110i\u1ec1u 33 \u0111\u1ebfn \u0110i\u1ec1u 38 Lu\u1eadt Giao d\u1ecbch \u0111i\u1ec7n t\u1eed n\u0103m 2005, ch\u01b0a bao qu\u00e1t h\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan c\u1ee7a lo\u1ea1i h\u1ee3p \u0111\u1ed3ng n\u00e0y. \u0110a ph\u1ea7n, nh\u1eefng quy \u0111\u1ecbnh n\u00e0y theo h\u01b0\u1edbng \u01b0u ti\u00ean s\u1ef1 th\u1ecfa thu\u1eadn c\u1ee7a c\u00e1c b\u00ean v\u00e0 nh\u1eefng v\u1eady, c\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o quy \u0111\u1ecbnh mang t\u00ednh b\u1eaft bu\u1ed9c c\u00e1c b\u00ean ph\u1ea3i s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng \u0111i\u1ec7n t\u1eed khi giao k\u1ebft, ho\u1eb7c khi x\u1ea3y ra s\u1ef1 xung \u0111\u1ed9t ph\u00e1p l\u00fd gi\u1eefa hai lo\u1ea1i h\u1ee3p \u0111\u1ed3ng l\u00e0 h\u1ee3p \u0111\u1ed3ng truy\u1ec1n th\u1ed1ng v\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111i\u1ec7n t\u1eed khi c\u00f9ng c\u00f3 chung m\u1ed9t n\u1ed9i dung.<\/li>\n<\/ul>\n

    \"thach-thuc-va-giai-phap-phap-ly-ve-chuyen-doi-so-linh-vuc-tai-chinh-ngan-hang-tai-viet-nam\"<\/p>\n

    \u0110\u1ed1i v\u1edbi v\u1ea5n \u0111\u1ec1 b\u1ea3o m\u1eadt th\u00f4ng tin, Lu\u1eadt hi\u1ec7n h\u00e0nh \u0111\u00e3 c\u00f3 nh\u1eefng quy \u0111\u1ecbnh t\u01b0\u01a1ng \u0111\u1ed1i c\u1ee5 th\u1ec3 \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh nh\u01b0 Lu\u1eadt An to\u00e0n th\u00f4ng tin m\u1ea1ng n\u0103m 2015, Lu\u1eadt An ninh m\u1ea1ng n\u0103m 2018 v\u00e0 c\u00e1c v\u0103n b\u1ea3n h\u01b0\u1edbng d\u1eabn thi h\u00e0nh kh\u00e1c. Tuy nhi\u00ean, vi\u1ec7c b\u1ea3o m\u1eadt th\u00f4ng tin v\u1eabn g\u1eb7p nhi\u1ec1u h\u1ea1n ch\u1ebf. Theo Quy \u0111\u1ecbnh chung v\u1ec1 b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u c\u1ee7a Li\u00ean minh Ch\u00e2u \u00c2u EU (GDPR), v\u1ea5n \u0111\u1ec1 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u1ea5t c\u1ee5 th\u1ec3, c\u00f3 nh\u1eefng quy\u1ec1n m\u00e0 Lu\u1eadt n\u01b0\u1edbc ta ch\u01b0a quy \u0111\u1ecbnh ho\u1eb7c c\u00f3 quy \u0111\u1ecbnh nh\u01b0ng ch\u1ec9 theo h\u01b0\u1edbng th\u00f4ng tin. Do v\u1eady, ph\u00e1p lu\u1eadt n\u01b0\u1edbc ta c\u1ea7n b\u1ed5 sung theo h\u01b0\u1edbng ti\u1ebfp c\u1eadn kinh nghi\u1ec7m c\u1ee7a GDPR nh\u01b0 quy\u1ec1n \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o c\u1ee7a ch\u1ee7 th\u1ec3 d\u1eef li\u1ec7u.<\/p>\n

    T\u00f3m l\u1ea1i, xu th\u1ebf h\u1ed9i nh\u1eadp qu\u1ed1c t\u1ebf v\u00e0 t\u1ef1 do h\u00f3a th\u01b0\u01a1ng m\u1ea1i ng\u00e0y c\u00e0ng s\u00e2u r\u1ed9ng, th\u00eam v\u00e0o \u0111\u00f3 l\u00e0 b\u1ed1i c\u1ea3nh h\u1eadu Covid \u2013 19 \u0111\u00e3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n thu\u1eadn l\u1ee3i th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed1i s\u1ed1 trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch nhanh ch\u00f3ng h\u01a1n bao gi\u1edd h\u1ebft. B\u00ean c\u1ea1nh nh\u1eefng c\u01a1 h\u1ed9i, ti\u1ec1m n\u0103ng m\u00e0 ng\u00e0nh ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c do qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 mang l\u1ea1i th\u00ec v\u1eabn c\u00f2n nhi\u1ec1u th\u1eed th\u00e1ch ph\u1ea3i v\u01b0\u1ee3t qua m\u00e0 ti\u00eau bi\u1ec3u l\u00e0 c\u00e1c v\u1ea5n \u0111\u1ec1 xoay quanh khung ph\u00e1p l\u00fd. Do v\u1eady, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n ph\u1ea3i t\u1eadn d\u1ee5ng t\u1ed1i \u0111a nh\u1eefng c\u01a1 h\u1ed9i hi\u1ec7n c\u00f3, nghi\u00ean c\u1ee9u v\u00e0 ti\u1ebfp c\u1eadn c\u00e1ch th\u1ee9c, qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn tr\u00ean th\u1ebf gi\u1edbi \u0111\u1ec3 t\u1eeb \u0111\u00f3 r\u00fat ra kinh nghi\u1ec7m cho l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u1edf n\u01b0\u1edbc ta.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng (Digital Banking) l\u00e0 xu h\u01b0\u1edbng c\u1ee7a th\u1eddi \u0111\u1ea1i k\u1ef7 nguy\u00ean s\u1ed1 nh\u01b0 hi\u1ec7n nay, l\u00e0 vi\u1ec7c \u1ee9ng d\u1ee5ng n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 s\u1ed1 \u0111\u1ed1i v\u1edbi c\u00e1c ch\u1ee9c n\u0103ng, s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 \u1edf m\u1ecdi c\u1ea5p \u0111\u1ed9 trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng….<\/p>\n","protected":false},"author":3,"featured_media":2204,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[129,481,479],"class_list":["post-1913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc","tag-bilaw","tag-chuyen-doi-so","tag-tai-chinh-ngan-hang"],"yoast_head":"\nTh\u00e1ch Th\u1ee9c V\u00e0 Gi\u1ea3i Ph\u00e1p Ph\u00e1p L\u00fd V\u1ec1 Chuy\u1ec3n \u0110\u1ed5i S\u1ed1 L\u0129nh V\u1ef1c T\u00e0i Ch\u00ednh Ng\u00e2n H\u00e0ng T\u1ea1i Vi\u1ec7t Nam<\/title>\n<meta name=\"description\" content=\"Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 t\u00e0i ch\u00ednh l\u00e0 g\u00ec? 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