{"id":9304,"date":"2020-08-15T10:00:32","date_gmt":"2020-08-15T03:00:32","guid":{"rendered":"http:\/\/b-company.jp\/?p=9304"},"modified":"2024-06-24T10:58:50","modified_gmt":"2024-06-24T03:58:50","slug":"emerging-personal-finance-applications-in-vietnam","status":"publish","type":"post","link":"https:\/\/b-company.jp\/vi\/emerging-personal-finance-applications-in-vietnam\/","title":{"rendered":"C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u1edbi n\u1ed5i t\u1ea1i Vi\u1ec7t Nam"},"content":{"rendered":"

Gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 l\u00e0 xu h\u01b0\u1edbng \u0111ang n\u1ed5i l\u00ean tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh n\u0103ng \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam. T\u1eeb gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng g\u1ea7n 400 tri\u1ec7u \u0111\u00f4 la M\u1ef9 v\u00e0o n\u0103m 2017, d\u1ef1 ki\u1ebfn s\u1ebd c\u00f3 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng k\u00e9p h\u00e0ng n\u0103m (CAGR) l\u00e0 31,2% trong giai \u0111o\u1ea1n 2017 \u2013 2025 \u0111\u1ec3 \u0111\u1ea1t 24% t\u1ed5ng th\u1ecb ph\u1ea7n c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh v\u00e0o n\u0103m 2025, theo b\u00e1o c\u00e1o c\u1ee7a c\u00f4ng ty t\u01b0 v\u1ea5n Solidiance.<\/p>\n\n\n\n

M\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t do B&Company th\u1ef1c hi\u1ec7n v\u00e0o th\u00e1ng 5 n\u0103m 2020 tr\u00ean n\u1ec1n t\u1ea3ng kh\u1ea3o s\u00e1t tr\u1ef1c tuy\u1ebfn BEAN Survey v\u1edbi 484 ng\u01b0\u1eddi tr\u1ea3 l\u1eddi tr\u00ean 18 tu\u1ed5i cho th\u1ea5y nhu c\u1ea7u v\u1ec1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n l\u00e0 \u0111\u00e1ng k\u1ec3 v\u1edbi 56% ng\u01b0\u1eddi tr\u1ea3 l\u1eddi mu\u1ed1n theo d\u00f5i v\u00e0 qu\u1ea3n l\u00fd chi ti\u00eau c\u1ee7a h\u1ecd. Nh\u1eefng ng\u01b0\u1eddi tr\u1ea3 l\u1eddi c\u0169ng chia s\u1ebb mong mu\u1ed1n \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u1ec1 \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n (32%) v\u00e0 vay v\u1ed1n cho m\u1ee5c \u0111\u00edch ti\u00eau d\u00f9ng (31%).<\/p>\n\n\n\n\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

\u0110\u00e1p \u1ee9ng nhu c\u1ea7u ti\u1ec1m n\u0103ng, c\u00e1c \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n bao g\u1ed3m n\u1ec1n t\u1ea3ng cho vay ngang h\u00e0ng (P2P) d\u00e0nh cho c\u00e1 nh\u00e2n, \u1ee9ng d\u1ee5ng \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (Robo-advisor) v\u00e0 \u1ee8ng d\u1ee5ng Qu\u1ea3n l\u00fd Chi ti\u00eau C\u00e1 nh\u00e2n \u0111\u00e3 xu\u1ea5t hi\u1ec7n t\u1ea1i Vi\u1ec7t Nam trong v\u00e0i n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y. K\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t c\u1ee7a B&Company c\u0169ng ch\u1ec9 ra r\u1eb1ng m\u1ed9t t\u1ef7 l\u1ec7 \u0111\u00e1ng k\u1ec3 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi \u0111ang bi\u1ebft \u0111\u1ebfn \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n, v\u1ecb tr\u00ed d\u1eabn \u0111\u1ea7u thu\u1ed9c v\u1ec1 \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n. Ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng x\u00e3 h\u1ed9i l\u00e0 k\u00eanh ph\u1ed5 bi\u1ebfn nh\u1ea5t m\u00e0 m\u1ecdi ng\u01b0\u1eddi bi\u1ebft \u0111\u1ebfn \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n
\"\"
C\u00e1c \u1ee9ng d\u1ee5ng Qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n \u0111ang tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn v\u00e0 v\u1eabn c\u00f3 s\u1ee9c h\u1ea5p d\u1eabn m\u1ea1nh m\u1ebd \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng<\/em><\/figcaption><\/figure><\/div>\n\n\n\n

Danh s\u00e1ch c\u00e1c \u1ee9ng d\u1ee5ng Qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00f9ng Vi\u1ec7t Nam trao t\u1eb7ng nhi\u1ec1u gi\u1ea3i th\u01b0\u1edfng nh\u1ea5t bao g\u1ed3m c\u1ea3 c\u00e1c \u1ee9ng d\u1ee5ng trong n\u01b0\u1edbc v\u00e0 n\u01b0\u1edbc ngo\u00e0i.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

Theo k\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t, Money Keeper \u2013 S\u1ed5 thu chi Misa, m\u1ed9t s\u1ea3n ph\u1ea9m c\u1ee7a Misa JSC, m\u1ed9t c\u00f4ng ty ph\u1ea7n m\u1ec1m k\u1ebf to\u00e1n v\u00e0 qu\u1ea3n l\u00fd n\u1ed5i ti\u1ebfng t\u1ea1i Vi\u1ec7t Nam, l\u00e0 \u1ee9ng d\u1ee5ng \u0111\u01b0\u1ee3c \u01b0a chu\u1ed9ng nh\u1ea5t. M\u1ed9t \u0111\u1ed1i th\u1ee7 trong n\u01b0\u1edbc kh\u00e1c l\u00e0 Money Lover c\u1ee7a Finsify \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd l\u00e0 \u0111\u1ed1i th\u1ee7 \u0111\u00e1ng g\u1eddm tr\u00ean th\u1ecb tr\u01b0\u1eddng n\u00e0y, v\u1edbi v\u1ecb tr\u00ed l\u00e0 \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng Android s\u1ed1 m\u1ed9t trong gi\u1ea3i ph\u00e1p T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, theo c\u00f4ng b\u1ed1 c\u1ee7a Google v\u00e0o th\u00e1ng 5 n\u0103m 2017.<\/p>\n\n\n\n

Kh\u1ea3o s\u00e1t c\u0169ng ch\u1ec9 ra m\u1ed9t th\u00e1ch th\u1ee9c l\u1edbn \u0111\u1ed1i v\u1edbi c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y l\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 th\u00fac \u0111\u1ea9y th\u00f3i quen c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 tr\u1edf n\u00ean h\u1ea5p d\u1eabn h\u01a1n \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng. Nhi\u1ec1u ng\u01b0\u1eddi tr\u1ea3 l\u1eddi theo d\u00f5i chi ph\u00ed th\u00edch s\u1eed d\u1ee5ng c\u00e1c gi\u1ea3i ph\u00e1p thay th\u1ebf kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 theo d\u00f5i chi ph\u00ed tr\u00ean v\u00ed \u0111i\u1ec7n t\u1eed (75%) ho\u1eb7c tr\u00ean \u1ee9ng d\u1ee5ng c\u1ee7a ng\u00e2n h\u00e0ng (67%). 43% trong s\u1ed1 nh\u1eefng ng\u01b0\u1eddi tr\u1ea3 l\u1eddi bi\u1ebft nh\u01b0ng kh\u00f4ng s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd chi ph\u00ed \u0111\u00e3 n\u00f3i r\u1eb1ng h\u1ecd t\u00f2 m\u00f2 nh\u01b0ng v\u1eabn ch\u01b0a th\u1ea5y b\u1ea5t k\u1ef3 l\u1ee3i \u00edch r\u00f5 r\u00e0ng n\u00e0o \u0111\u1ec3 b\u1eaft \u0111\u1ea7u s\u1eed d\u1ee5ng. Ng\u01b0\u1eddi d\u00f9ng \u1ee9ng d\u1ee5ng hi\u1ec7n t\u1ea1i xem x\u00e9t nhi\u1ec1u y\u1ebfu t\u1ed1 khi l\u1ef1a ch\u1ecdn \u1ee9ng d\u1ee5ng nh\u01b0 b\u1ea3o m\u1eadt th\u00f4ng tin (76%), ph\u00ed (59%), t\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd c\u1ee7a \u1ee9ng d\u1ee5ng (61%), t\u00ednh n\u0103ng (60%) v\u00e0 giao di\u1ec7n (49%) v\u00e0 ng\u00f4n ng\u1eef s\u1eed d\u1ee5ng trong \u1ee9ng d\u1ee5ng khi\u1ebfn c\u00e1c \u1ee9ng d\u1ee5ng n\u01b0\u1edbc ngo\u00e0i \u00edt c\u00f3 l\u1ee3i th\u1ebf h\u01a1n so v\u1edbi \u1ee9ng d\u1ee5ng Vi\u1ec7t Nam (41%). <\/p>\n\n\n\n

C\u00e1c \u1ee9ng d\u1ee5ng cho vay ngang h\u00e0ng n\u1ed5i l\u00ean v\u1edbi ti\u1ec1m n\u0103ng m\u1ea1nh m\u1ebd trong b\u1ed1i c\u1ea3nh cho vay ti\u00eau d\u00f9ng t\u1ea1i Vi\u1ec7t Nam nh\u01b0ng \u0111ang b\u1ecb xem x\u00e9t \u0111\u00f3ng c\u1eeda do quy \u0111\u1ecbnh c\u1ee7a Ch\u00ednh ph\u1ee7<\/h3>\n\n\n\n

Lo\u1ea1i h\u00ecnh ph\u1ed5 bi\u1ebfn th\u1ee9 hai c\u1ee7a \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n, theo kh\u1ea3o s\u00e1t c\u1ee7a B&Company, l\u00e0 cho vay ngang h\u00e0ng (P2P lending). Vi\u1ec7c d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn c\u00e1c kho\u1ea3n vay ti\u00eau d\u00f9ng quy m\u00f4 nh\u1ecf th\u00f4ng qua c\u00e1c \u1ee9ng d\u1ee5ng cho vay ngang h\u00e0ng m\u00e0 kh\u00f4ng c\u1ea7n c\u00e1c y\u00eau c\u1ea7u v\u00e0 th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd l\u00e0 m\u1ed9t s\u1ef1 tr\u1ee3 gi\u00fap l\u1edbn cho m\u1ecdi ng\u01b0\u1eddi, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, chi\u1ebfm kho\u1ea3ng 37% ng\u01b0\u1eddi l\u1edbn Vi\u1ec7t Nam t\u00ednh \u0111\u1ebfn n\u0103m 2018, theo s\u1ed1 li\u1ec7u c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n\n\n\n

Xu\u1ea5t hi\u1ec7n c\u00e1ch \u0111\u00e2y 3 n\u0103m, hi\u1ec7n nay c\u00f3 kho\u1ea3ng 40 c\u00f4ng ty t\u1ef1 nh\u1eadn cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay ngang h\u00e0ng t\u1ea1i Vi\u1ec7t Nam, bao g\u1ed3m cho vay c\u00e1 nh\u00e2n v\u1edbi c\u00e1 nh\u00e2n v\u00e0 cho vay c\u00e1 nh\u00e2n v\u1edbi doanh nghi\u1ec7p. Kh\u1ea3o s\u00e1t c\u1ee7a B&Company cho th\u1ea5y m\u1ed9t s\u1ed1 \u1ee9ng d\u1ee5ng cho vay ngang h\u00e0ng c\u00e1 nh\u00e2n v\u1edbi c\u00e1 nh\u00e2n ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 do Vi\u1ec7t Nam s\u1ea3n xu\u1ea5t bao g\u1ed3m MoneyBank, Vaymuon, Tima, Interloan v\u00e0 Finn.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

Tuy nhi\u00ean, d\u1ecbch v\u1ee5 cho vay ngang h\u00e0ng (P2P lending) ch\u01b0a \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd \u0111\u1ea7y \u0111\u1ee7 t\u1ea1i Vi\u1ec7t Nam v\u00ec khu\u00f4n kh\u1ed5 ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng v\u1eabn \u0111ang trong qu\u00e1 tr\u00ecnh x\u00e2y d\u1ef1ng c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam. G\u1ea7n \u0111\u00e2y, c\u00e1c c\u00f4ng ty trong l\u0129nh v\u1ef1c n\u00e0y th\u01b0\u1eddng \u0111\u0103ng k\u00fd l\u00e0 c\u00f4ng ty t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0 thay v\u00ec t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, c\u00e1c c\u00f4ng ty t\u1ef1 nh\u1eadn l\u00e0 cho vay ngang h\u00e0ng t\u00ednh l\u00e3i su\u1ea5t c\u1eaft c\u1ed5, ph\u00ed cao kh\u00f4ng \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o ho\u1eb7c d\u00f9ng \u0111\u1ebfn c\u00e1c chi\u1ebfn thu\u1eadt \u0111e d\u1ecda, qu\u1ea5y r\u1ed1i v\u00e0 th\u1eadm ch\u00ed l\u00e0 b\u1ea1o l\u1ef1c \u0111\u1ec3 thu h\u1ed3i kho\u1ea3n vay, \u0111\u01b0\u1ee3c coi l\u00e0 t\u00edn d\u1ee5ng \u0111en. Nh\u1eefng nh\u01b0\u1ee3c \u0111i\u1ec3m n\u00e0y khi\u1ebfn th\u1ecb tr\u01b0\u1eddng c\u00f3 v\u1ebb sai l\u1ec7ch v\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 c\u1ea3m th\u1ea5y \u00e1c c\u1ea3m v\u1edbi c\u00e1c \u1ee9ng d\u1ee5ng cho vay tr\u1ef1c tuy\u1ebfn. K\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t c\u1ee7a B&Company ch\u1ec9 ra r\u1eb1ng l\u00fd do khi\u1ebfn 67% ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi bi\u1ebft nh\u01b0ng kh\u00f4ng s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng cho vay ngang h\u00e0ng l\u00e0 do lo s\u1ee3 t\u00edn d\u1ee5ng \u0111en m\u1ea1o danh cho vay ngang h\u00e0ng.<\/p>\n\n\n\n

D\u1ef1 ki\u1ebfn, Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u00ed \u0111i\u1ec3m ki\u1ec3m so\u00e1t ho\u1ea1t \u0111\u1ed9ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc tr\u00ecnh Ch\u00ednh ph\u1ee7 ph\u00ea duy\u1ec7t trong n\u0103m 2020 v\u00e0 nhi\u1ec1u kh\u1ea3 n\u0103ng t\u1eeb n\u0103m 2021, Vi\u1ec7t Nam s\u1ebd ch\u00ednh th\u1ee9c ch\u1ea5p thu\u1eadn cho m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty Fintech th\u00ed \u0111i\u1ec3m cung c\u1ea5p ho\u1ea1t \u0111\u1ed9ng cho vay ngang h\u00e0ng, \u0111\u01b0a l\u0129nh v\u1ef1c n\u00e0y l\u00ean m\u1ed9t giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n m\u1edbi.  <\/p>\n\n\n\n

C\u00e1c gi\u1ea3i ph\u00e1p c\u1ed1 v\u1ea5n t\u1ef1 \u0111\u1ed9ng t\u01b0\u01a1ng \u0111\u1ed1i m\u1edbi, \u0111\u00f2i h\u1ecfi nhi\u1ec1u th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c h\u01a1n \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c l\u00f2ng tin c\u1ee7a kh\u00e1ch h\u00e0ng<\/h3>\n\n\n\n

Lo\u1ea1i \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n \u00edt ph\u1ed5 bi\u1ebfn nh\u1ea5t trong kh\u1ea3o s\u00e1t c\u1ee7a B&Company l\u00e0 Robo-advisor. T\u1ea1i c\u00e1c th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n nh\u01b0 Hoa K\u1ef3, \u0110\u1ee9c v\u00e0 Singapore, Robo-advisory \u0111\u00e3 tr\u1edf th\u00e0nh cu\u1ed9c \u0111ua \u0111\u1ed1t ti\u1ec1n v\u1edbi s\u1ef1 tham gia c\u1ee7a c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p, c\u00f4ng ty m\u00f4i gi\u1edbi, c\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m. Nh\u01b0ng \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng \u0111\u00fang v\u1edbi Vi\u1ec7t Nam, n\u01a1i kh\u00e1i ni\u1ec7m n\u00e0y v\u1eabn c\u00f2n kh\u00e1 m\u1edbi \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 ch\u1ec9 ch\u1ee9ng ki\u1ebfn m\u1ed9t s\u1ed1 \u00edt ng\u01b0\u1eddi ti\u00ean phong.<\/p>\n\n\n\n

V\u00e0o th\u00e1ng 5 n\u0103m 2017, Techcom Securities (TCBS), m\u1ed9t c\u00f4ng ty con c\u1ee7a Techcombank, \u0111\u00e3 tr\u1edf th\u00e0nh c\u00f4ng ty \u0111\u1ea7u ti\u00ean \u0111\u01b0a Robo Advisor mang t\u00ean TCWealth v\u00e0o th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam. C\u00f9ng n\u0103m \u0111\u00f3, start-up Finhay \u0111\u00e3 ra m\u1eaft \u1ee9ng d\u1ee5ng cho ph\u00e9p kh\u00e1ch h\u00e0ng b\u1eaft \u0111\u1ea7u c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n ch\u1ec9 v\u1edbi s\u1ed1 ti\u1ec1n \u00edt \u1ecfi nh\u01b0 $2. Finhay \u0111\u00e3 huy \u0111\u1ed9ng v\u1ed1n th\u00e0nh c\u00f4ng t\u1eeb c\u1ea3 nh\u00e0 \u0111\u1ea7u t\u01b0 trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc, v\u00e0 s\u1edbm tr\u1edf th\u00e0nh m\u1ed9t trong 100 c\u00f4ng ty Fintech h\u00e0ng \u0111\u1ea7u th\u1ebf gi\u1edbi v\u00e0o n\u0103m 2019, theo b\u00e1o c\u00e1o c\u1ee7a KPMG.<\/p>\n\n\n\n

IRA c\u1ee7a CTCP Ch\u1ee9ng kho\u00e1n T\u00e2n Vi\u1ec7t (TVSI) v\u00e0 iBroker c\u1ee7a CTCP Ch\u1ee9ng kho\u00e1n BIDV (BSC), m\u1ed9t c\u00f4ng ty con c\u1ee7a BIDV, m\u1edbi tham gia th\u1ecb tr\u01b0\u1eddng v\u00e0o n\u0103m 2019 nh\u01b0ng d\u01b0\u1eddng nh\u01b0 \u0111ang b\u1eaft k\u1ecbp v\u1ec1 m\u1ee9c \u0111\u1ed9 nh\u1eadn bi\u1ebft th\u1ecb tr\u01b0\u1eddng, d\u1ef1a tr\u00ean k\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t.<\/p>\n\n\n\n

\"\"<\/figure><\/div>\n\n\n\n

M\u1eb7c d\u00f9 c\u00f2n m\u1edbi, c\u00e1c \u1ee9ng d\u1ee5ng Robo-advisor c\u00f3 th\u1ec3 r\u1ea5t ti\u1ec1m n\u0103ng v\u00ec nhu c\u1ea7u t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n t\u01b0\u01a1ng \u0111\u1ed1i cao. Tuy nhi\u00ean, th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i thi\u1ebfu ngu\u1ed3n cung c\u1ea5p d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p.<\/p>\n\n\n\n

H\u01a1n n\u1eefa, theo k\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t c\u1ee7a B&Company, vi\u1ec7c thu h\u00fat ng\u01b0\u1eddi d\u00f9ng s\u1ebd kh\u00f4ng d\u1ec5 d\u00e0ng v\u00ec ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t Nam ch\u01b0a c\u00f3 ni\u1ec1m tin cao v\u00e0o hi\u1ec7u qu\u1ea3 c\u1ee7a t\u01b0 v\u1ea5n t\u1ef1 \u0111\u1ed9ng, \u0111\u1eb7c bi\u1ec7t khi x\u00e9t \u0111\u1ebfn \u0111\u1eb7c \u0111i\u1ec3m c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Vi\u1ec7t Nam, kh\u00e1ch h\u00e0ng c\u00f2n lo ng\u1ea1i v\u1ec1 t\u00ecnh tr\u1ea1ng gian l\u1eadn v\u00e0 m\u1ea5t an to\u00e0n th\u00f4ng tin.<\/p>\n\n\n\n

Nh\u00ecn chung, m\u1eb7c d\u00f9 m\u1ed7i lo\u1ea1i \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n \u0111\u1ec1u ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c \u0111i\u1ec3n h\u00ecnh, nh\u01b0ng ph\u00e2n kh\u00fac T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n v\u1eabn k\u1ef3 v\u1ecdng v\u00e0o s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u0111\u1ea7y h\u1ee9a h\u1eb9n nh\u1edd nhi\u1ec1u y\u1ebfu t\u1ed1 thu\u1eadn l\u1ee3i nh\u01b0 nhu c\u1ea7u l\u1edbn c\u1ee7a ng\u01b0\u1eddi d\u00e2n \u0111\u1ed1i v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n, t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp internet cao v\u00e0 s\u1eed d\u1ee5ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh \u0111\u1ec3 m\u1ecdi ng\u01b0\u1eddi c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c s\u1ea3n ph\u1ea9m c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh th\u00f4ng qua m\u1ea1ng x\u00e3 h\u1ed9i, trang web, v.v. v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng ch\u00ednh s\u00e1ch c\u1ee7a Ch\u00ednh ph\u1ee7 h\u01b0\u1edbng t\u1edbi m\u1ed9t m\u00f4i tr\u01b0\u1eddng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh an to\u00e0n v\u00e0 b\u1ea3o m\u1eadt \u0111\u1ec3 c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh ph\u00e1t tri\u1ec3n c\u0169ng nh\u01b0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.<\/p>\n\n\n\n

H\u1ea3i Ng\u00f4<\/em><\/strong><\/p>\n\n\n\n

Tham kh\u1ea3o:<\/strong><\/p>\n\n\n\n

  1. https:\/\/www.sbv.gov.vn\/webcenter\/portal\/m\/menu\/trangchu\/ttsk\/ttsk_chitiet?leftWidth=0%25&showFooter=false&showHeader=false&dDocName=SBV400281&rightWidth=0%25&centerWidth=100%25&_afrLoop=7500037377906211#%40%3F_afrLoop%3D7500037377906211%26centerWidth%3D100%2525%26dDocName%3DSBV400281%26leftWidth%3D0%2525%26rightWidth%3D0%2525%26showFooter%3Dfalse%26showHeader%3Dfalse%26_adf.ctrl-state%3Dohle8g3gr_1158<\/li>
  2. https:\/\/www.solidiance.com\/insights\/others\/infographics\/disruption-by-fintech-transforming-vietnams-financial-services-ecosystem-1<\/li>
  3. http:\/\/hca.org.vn\/userfiles\/files\/Tham%20luan%20VIO%202019\/06_Slide_Fintech_10_2019_English_final.pdf<\/li>
  4. https:\/\/www.mbs.com.vn\/uploads\/files\/Bao-cao-IB\/1_-Vietnam-fintech-report_22102018.pdf<\/li>
  5. https:\/\/www.allens.com.au\/globalassets\/pdfs\/insights\/asia\/peer-to-peer-lending-in-vietnam.pdf<\/li>
  6. https:\/\/bvsc.com.vn\/NewsTools\/Print.aspx?newsid=732559<\/li>
  7. https:\/\/vietcetera.com\/en\/money-lover-a-vietnamese-built-fintech-mobile-app-going-global\/<\/li>
  8. https:\/\/english.vietnamnet.vn\/fms\/business\/196765\/peer-to-peer-lending-increasingly-popular-in-vietnam.html<\/li>
  9. http:\/\/tapchitaichinh.vn\/ngan-hang\/nhieu-rui-ro-voi-cho-vay-ngang-hang-316916.html<\/li>
  10. https:\/\/cafef.vn\/du-kien-nam-2021-se-cho-thu-nghiem-fintech-trong-do-co-p2p-lending-2020060209381798.chn<\/li>
  11. https:\/\/tinnhanhchungkhoan.vn\/fin-tech\/dich-vu-robo-advisor-danh-chiem-thi-phan-tu-van-tai-chinh-truyen-thong-273072.html<\/li>
  12. https:\/\/forbesvietnam.com.vn\/tin-cap-nhat\/ung-dung-tai-chinh-finhay-nhan-dau-tu-tu-nguoi-dong-sang-lap-acorns-10122.html<\/li><\/ol>","protected":false},"excerpt":{"rendered":"

    C\u00e1c \u1ee9ng d\u1ee5ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n m\u1edbi n\u1ed5i t\u1ea1i Vi\u1ec7t Nam <\/p>","protected":false},"author":3,"featured_media":9055,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[75],"tags":[1156,1130],"yoast_head":"\nEmerging personal finance applications in Vietnam - B-Company<\/title>\n<meta name=\"description\" content=\"Personal Finance Applications is a rising trend in Vietnam 's dynamic fintech marketand may reach 24% of total fintech market share in 2025.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/b-company.jp\/vi\/emerging-personal-finance-applications-in-vietnam\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Emerging personal finance applications in Vietnam - B-Company\" \/>\n<meta property=\"og:description\" content=\"Personal Finance Applications is a rising trend in Vietnam 's dynamic fintech marketand may reach 24% of total fintech market share in 2025.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/b-company.jp\/vi\/emerging-personal-finance-applications-in-vietnam\/\" \/>\n<meta property=\"og:site_name\" content=\"B-Company\" \/>\n<meta property=\"article:published_time\" content=\"2020-08-15T03:00:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-24T03:58:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/b-company.jp\/wp-content\/uploads\/2020\/09\/2008_Finance-App.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"854\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/b-company.jp\/vi\/#website\",\"url\":\"https:\/\/b-company.jp\/vi\/\",\"name\":\"B-Company\",\"description\":\"Vietnam Market Research & Investment Consulting\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/b-company.jp\/vi\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"vi\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/b-company.jp\/emerging-personal-finance-applications-in-vietnam\/#primaryimage\",\"inLanguage\":\"vi\",\"url\":\"https:\/\/b-company.jp\/wp-content\/uploads\/2020\/09\/2008_Finance-App.jpg\",\"width\":1280,\"height\":854},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/b-company.jp\/emerging-personal-finance-applications-in-vietnam\/#webpage\",\"url\":\"https:\/\/b-company.jp\/emerging-personal-finance-applications-in-vietnam\/\",\"name\":\"Emerging personal finance applications in Vietnam - B-Company\",\"isPartOf\":{\"@id\":\"https:\/\/b-company.jp\/vi\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/b-company.jp\/emerging-personal-finance-applications-in-vietnam\/#primaryimage\"},\"datePublished\":\"2020-08-15T03:00:32+00:00\",\"dateModified\":\"2024-06-24T03:58:50+00:00\",\"author\":{\"@id\":\"https:\/\/b-company.jp\/vi\/#\/schema\/person\/f40eb53b8ff521146838bce1186f866e\"},\"description\":\"Personal Finance Applications is a rising trend in Vietnam 's dynamic fintech marketand may reach 24% of total fintech market share in 2025.\",\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/b-company.jp\/emerging-personal-finance-applications-in-vietnam\/\"]}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/b-company.jp\/vi\/#\/schema\/person\/f40eb53b8ff521146838bce1186f866e\",\"name\":\"B&Company Vietnam\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/b-company.jp\/vi\/#personlogo\",\"inLanguage\":\"vi\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/49416fcfd1b8a2181bccc4940430d500?s=96&d=mm&r=g\",\"caption\":\"B&Company Vietnam\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","_links":{"self":[{"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/posts\/9304"}],"collection":[{"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/comments?post=9304"}],"version-history":[{"count":1,"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/posts\/9304\/revisions"}],"predecessor-version":[{"id":14351,"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/posts\/9304\/revisions\/14351"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/media\/9055"}],"wp:attachment":[{"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/media?parent=9304"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/categories?post=9304"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/b-company.jp\/vi\/wp-json\/wp\/v2\/tags?post=9304"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}