{"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 \u0111ang n\u1ed5i l\u00ean 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 m\u1ed9t xu h\u01b0\u1edbng \u0111ang l\u00ean trong th\u1ecb tr\u01b0\u1eddng fintech n\u0103ng \u0111\u1ed9ng t\u1ea1i Vi\u1ec7t Nam. T\u1eeb m\u1ee9c gi\u00e1 tr\u1ecb th\u1ecb tr\u01b0\u1eddng g\u1ea7n 400 tri\u1ec7u USD v\u00e0o n\u0103m 2017, th\u1ecb tr\u01b0\u1eddng n\u00e0y \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng \u0111\u1ea1t t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng k\u00e9p h\u00e0ng n\u0103m (CAGR) 31,2% trong giai \u0111o\u1ea1n 2017 \u2013 2025 \u0111\u1ec3 \u0111\u1ea1t 24% th\u1ecb ph\u1ea7n t\u1ed5ng th\u1ecb tr\u01b0\u1eddng fintech v\u00e0o n\u0103m 2025, theo m\u1ed9t b\u00e1o c\u00e1o c\u1ee7a c\u00f4ng ty t\u01b0 v\u1ea5n Solidiance.<\/p>\n\n\n\n

M\u1ed9t kh\u1ea3o s\u00e1t do B&Company th\u1ef1c hi\u1ec7n v\u00e0o th\u00e1ng 5\/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 \u0111\u1ed1i v\u1edbi 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 tham gia mong mu\u1ed1n theo d\u00f5i v\u00e0 qu\u1ea3n l\u00fd chi ti\u00eau c\u1ee7a m\u00ecnh. Ng\u01b0\u1eddi tr\u1ea3 l\u1eddi c\u0169ng b\u00e0y t\u1ecf mong mu\u1ed1n nh\u1eadn 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

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Tr\u01b0\u1edbc nh\u1eefng ti\u1ec1m n\u0103ng \u0111\u00f3, trong v\u00e0i n\u0103m g\u1ea7n \u0111\u00e2y t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 xu\u1ea5t hi\u1ec7n c\u00e1c \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n, bao g\u1ed3m c\u00e1c n\u1ec1n t\u1ea3ng cho vay ngang h\u00e0ng (P2P) cho c\u00e1 nh\u00e2n, c\u00e1c \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 c\u00e1c \u1ee8ng d\u1ee5ng Qu\u1ea3n l\u00fd Chi ti\u00eau C\u00e1 nh\u00e2n. K\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t c\u1ee7a B&Company c\u0169ng cho th\u1ea5y m\u1ed9t t\u1ef7 l\u1ec7 \u0111\u00e1ng k\u1ec3 ng\u01b0\u1eddi tr\u1ea3 l\u1eddi \u0111\u00e3 bi\u1ebft \u0111\u1ebfn c\u00e1c \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n, trong \u0111\u00f3 v\u1ecb tr\u00ed d\u1eabn \u0111\u1ea7u thu\u1ed9c v\u1ec1 c\u00e1c \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd chi ti\u00eau c\u00e1 nh\u00e2n. M\u1ea1ng x\u00e3 h\u1ed9i l\u00e0 k\u00eanh ph\u1ed5 bi\u1ebfn nh\u1ea5t \u0111\u1ec3 m\u1ecdi ng\u01b0\u1eddi bi\u1ebft \u0111\u1ebfn c\u00e1c \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n.<\/p>\n\n\n\n

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C\u00e1c \u1ee9ng d\u1ee5ng Qu\u1ea3n l\u00fd Chi ti\u00eau C\u00e1 nh\u00e2n \u0111ang ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn nh\u01b0ng v\u1eabn c\u00f3 s\u1ee9c h\u1ea5p d\u1eabn m\u1ea1nh \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 \u0111\u01b0\u1ee3c ng\u01b0\u1eddi d\u00f9ng Vi\u1ec7t Nam \u0111\u00e1nh gi\u00e1 cao nh\u1ea5t trong m\u1ea3ng Qu\u1ea3n l\u00fd Chi ti\u00eau C\u00e1 nh\u00e2n bao g\u1ed3m c\u1ea3 c\u00e1c doanh nghi\u1ec7p trong n\u01b0\u1edbc v\u00e0 n\u01b0\u1edbc ngo\u00e0i.<\/p>\n\n\n\n

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Theo k\u1ebft qu\u1ea3 kh\u1ea3o s\u00e1t, Money Keeper \u2013 So thu chi Misa, m\u1ed9t s\u1ea3n ph\u1ea9m c\u1ee7a Misa JSC, c\u00f4ng ty ph\u1ea7n m\u1ec1m k\u1ebf to\u00e1n v\u00e0 qu\u1ea3n tr\u1ecb n\u1ed5i ti\u1ebfng t\u1ea1i Vi\u1ec7t Nam, l\u00e0 \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn nh\u1ea5t. M\u1ed9t doanh nghi\u1ec7p 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\u1ea7y ti\u1ec1m n\u0103ng tr\u00ean th\u1ecb tr\u01b0\u1eddng n\u00e0y, khi \u0111\u01b0\u1ee3c Google c\u00f4ng b\u1ed1 x\u1ebfp h\u1ea1ng l\u00e0 \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng Android s\u1ed1 m\u1ed9t v\u1ec1 gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0o th\u00e1ng 5\/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 thay \u0111\u1ed5i th\u00f3i quen c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 tr\u1edf n\u00ean h\u1ea5p d\u1eabn h\u01a1n v\u1edbi kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng. Nhi\u1ec1u ng\u01b0\u1eddi tr\u1ea3 l\u1eddi c\u00f3 theo d\u00f5i chi ti\u00eau cho bi\u1ebft h\u1ecd \u01b0u ti\u00ean s\u1eed d\u1ee5ng c\u00e1c l\u1ef1a ch\u1ecdn thay th\u1ebf kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 theo d\u00f5i chi ti\u00eau tr\u00ean v\u00ed \u0111i\u1ec7n t\u1eed (75%) ho\u1eb7c tr\u00ean \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng (67%). 43% s\u1ed1 ng\u01b0\u1eddi bi\u1ebft nh\u01b0ng kh\u00f4ng s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd chi ti\u00eau cho bi\u1ebft h\u1ecd t\u00f2 m\u00f2 nh\u01b0ng ch\u01b0a th\u1ea5y l\u1ee3i \u00edch r\u00f5 r\u00e0ng \u0111\u1ec3 b\u1eaft \u0111\u1ea7u d\u00f9ng. Ng\u01b0\u1eddi d\u00f9ng \u1ee9ng d\u1ee5ng hi\u1ec7n t\u1ea1i c\u00e2n nh\u1eafc 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%), c\u00f9ng v\u1edbi ng\u00f4n ng\u1eef \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong \u1ee9ng d\u1ee5ng, khi\u1ebfn c\u00e1c \u1ee9ng d\u1ee5ng n\u01b0\u1edbc ngo\u00e0i k\u00e9m 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 P2P n\u1ed5i l\u00ean v\u1edbi ti\u1ec1m n\u0103ng l\u1edbn 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

Theo kh\u1ea3o s\u00e1t c\u1ee7a B&Company, lo\u1ea1i \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh C\u00e1 nh\u00e2n ph\u1ed5 bi\u1ebfn th\u1ee9 hai l\u00e0 cho vay P2P. 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 P2P m\u00e0 kh\u00f4ng c\u1ea7n y\u00eau c\u1ea7u hay th\u1ee7 t\u1ee5c ph\u1ee9c t\u1ea1p \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd l\u00e0 h\u1ed7 tr\u1ee3 l\u1edbn cho ng\u01b0\u1eddi d\u00e2n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u00f3m ch\u01b0a c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, chi\u1ebfm kho\u1ea3ng 37% d\u00e2n s\u1ed1 tr\u01b0\u1edfng th\u00e0nh Vi\u1ec7t Nam t\u00ednh \u0111\u1ebfn n\u0103m 2018, theo d\u1eef li\u1ec7u c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc.<\/p>\n\n\n\n

Xu\u1ea5t hi\u1ec7n t\u1eeb 3 n\u0103m tr\u01b0\u1edbc, hi\u1ec7n c\u00f3 kho\u1ea3ng 40 c\u00f4ng ty t\u1ef1 nh\u1eadn cung c\u1ea5p d\u1ecbch v\u1ee5 cho vay P2P t\u1ea1i Vi\u1ec7t Nam, bao g\u1ed3m cho vay gi\u1eefa c\u00e1 nh\u00e2n v\u1edbi c\u00e1 nh\u00e2n v\u00e0 gi\u1eefa 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 P2P c\u00e1 nh\u00e2n v\u1edbi c\u00e1 nh\u00e2n ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 do Vi\u1ec7t Nam ph\u00e1t tri\u1ec3n, bao g\u1ed3m MoneyBank, Vaymuon, Tima, Interloan v\u00e0 Finn.<\/p>\n\n\n\n

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Tuy nhi\u00ean, d\u1ecbch v\u1ee5 cho vay P2P ch\u01b0a \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd \u0111\u1ea7y \u0111\u1ee7 t\u1ea1i Vi\u1ec7t Nam v\u00ec khung ph\u00e1p l\u00fd cho ho\u1ea1t \u0111\u1ed9ng cho vay P2P v\u1eabn \u0111ang \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam x\u00e2y d\u1ef1ng. G\u1ea7n \u0111\u00e2y, c\u00e1c c\u00f4ng ty trong l\u0129nh v\u1ef1c n\u00e0y th\u01b0\u1eddng \u0111\u0103ng k\u00fd d\u01b0\u1edbi d\u1ea1ng 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 P2P l\u1ea1i \u00e1p d\u1ee5ng l\u00e3i su\u1ea5t c\u1eaft c\u1ed5, c\u00e1c kho\u1ea3n ph\u00ed kh\u00f4ng minh b\u1ea1ch cao, ho\u1eb7c s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p \u0111e d\u1ecda, qu\u1ea5y r\u1ed1i, th\u1eadm ch\u00ed b\u1ea1o l\u1ef1c \u0111\u1ec3 thu h\u1ed3i n\u1ee3, \u0111i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c xem l\u00e0 t\u00edn d\u1ee5ng \u0111en. Nh\u1eefng m\u1eb7t tr\u00e1i n\u00e0y khi\u1ebfn th\u1ecb tr\u01b0\u1eddng tr\u1edf n\u00ean g\u00e2y hi\u1ec3u l\u1ea7m v\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng c\u00f3 th\u1ec3 c\u1ea3m th\u1ea5y e ng\u1ea1i \u0111\u1ed1i 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 cho th\u1ea5y l\u00fd do 67% s\u1ed1 ng\u01b0\u1eddi tr\u1ea3 l\u1eddi bi\u1ebft nh\u01b0ng kh\u00f4ng s\u1eed d\u1ee5ng \u1ee9ng d\u1ee5ng cho vay P2P l\u00e0 do lo ng\u1ea1i t\u00edn d\u1ee5ng \u0111en m\u1ea1o danh cho vay P2P.<\/p>\n\n\n\n

D\u1ef1 ki\u1ebfn Ngh\u1ecb \u0111\u1ecbnh v\u1ec1 c\u01a1 ch\u1ebf th\u1eed nghi\u1ec7m ki\u1ec3m so\u00e1t c\u00e1c 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 cho ph\u00e9p 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 (P2P lending), qua \u0111\u00f3 \u0111\u01b0a l\u0129nh v\u1ef1c n\u00e0y b\u01b0\u1edbc sang m\u1ed9t giai \u0111o\u1ea1n ph\u00e1t tri\u1ec3n m\u1edbi.  <\/p>\n\n\n\n

C\u00e1c gi\u1ea3i ph\u00e1p Robo-advisor c\u00f2n kh\u00e1 m\u1edbi, \u0111\u00f2i h\u1ecfi th\u00eam th\u1eddi gian v\u00e0 n\u1ed7 l\u1ef1c \u0111\u1ec3 t\u1ea1o d\u1ef1ng ni\u1ec1m tin t\u1eeb kh\u00e1ch h\u00e0ng<\/h3>\n\n\n\n

Lo\u1ea1i \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n k\u00e9m 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 M\u1ef9, \u0110\u1ee9c v\u00e0 Singapore, Robo-advisory \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t cu\u1ed9c \u0111ua \u0111\u1ed1t ti\u1ec1n v\u1edbi s\u1ef1 tham gia c\u1ee7a c\u00e1c startup, nh\u00e0 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 m\u1edbi ch\u1ec9 c\u00f3 m\u1ed9t v\u00e0i \u0111\u01a1n v\u1ecb ti\u00ean phong.<\/p>\n\n\n\n

V\u00e0o th\u00e1ng 5 n\u0103m 2017, Techcom Securities (TCBS), c\u00f4ng ty con c\u1ee7a Techcombank, \u0111\u00e3 tr\u1edf th\u00e0nh c\u00f4ng ty \u0111\u1ea7u ti\u00ean \u0111\u01b0a Robo Advisor c\u00f3 t\u00ean TCWealth v\u00e0o th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam. Trong c\u00f9ng n\u0103m, startup Finhay ra m\u1eaft \u1ee9ng d\u1ee5ng cho ph\u00e9p kh\u00e1ch h\u00e0ng b\u1eaft \u0111\u1ea7u ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n ch\u1ec9 v\u1edbi s\u1ed1 ti\u1ec1n nh\u1ecf nh\u01b0 $2. Finhay \u0111\u00e3 huy \u0111\u1ed9ng th\u00e0nh c\u00f4ng v\u1ed1n t\u1eeb c\u1ea3 nh\u00e0 \u0111\u1ea7u t\u01b0 trong n\u01b0\u1edbc v\u00e0 n\u01b0\u1edbc ngo\u00e0i, v\u00e0 nhanh ch\u00f3ng tr\u1edf th\u00e0nh m\u1ed9t trong Top 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 Tan Viet Securities JSC (TVSI) v\u00e0 iBroker c\u1ee7a BIDV Securities (BSC), c\u00f4ng ty con c\u1ee7a BIDV, g\u1ea7n \u0111\u00e2y gia nh\u1eadp 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 v\u1ec1 t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n hi\u1ec7n kh\u00e1 cao. Tuy nhi\u00ean, th\u1ecb tr\u01b0\u1eddng hi\u1ec7n t\u1ea1i l\u1ea1i thi\u1ebfu ngu\u1ed3n cung 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 Vi\u1ec7t Nam ch\u01b0a c\u00f3 m\u1ee9c \u0111\u1ed9 tin c\u1eady 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 th\u00f9 c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh Vi\u1ec7t Nam, kh\u00e1ch h\u00e0ng c\u0169ng lo ng\u1ea1i v\u1ec1 gian l\u1eadn v\u00e0 an to\u00e0n th\u00f4ng tin.<\/p>\n\n\n\n

\u0110\u1ec3 c\u00f3 c\u00e1i nh\u00ecn t\u1ed5ng th\u1ec3 v\u1ec1 tri\u1ec3n v\u1ecdng, m\u1eb7c d\u00f9 m\u1ed7i lo\u1ea1i \u1ee8ng d\u1ee5ng T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n s\u1ebd \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u1eb7c th\u00f9, ph\u00e2n kh\u00fac T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u1eabn \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng 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 \u0111\u00e1ng k\u1ec3 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 v\u00e0 m\u1ee9c s\u1eed d\u1ee5ng smartphone cao, qua \u0111\u00f3 ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c s\u1ea3n ph\u1ea9m fintech th\u00f4ng qua m\u1ea1ng x\u00e3 h\u1ed9i, website, v.v., c\u00f9ng v\u1edbi \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 fintech an to\u00e0n v\u00e0 b\u1ea3o m\u1eadt \u0111\u1ec3 c\u00e1c c\u00f4ng ty fintech 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

Hai Ngo<\/em><\/strong><\/p>\n\n\n\n

Th\u1ea9m quy\u1ec1n gi\u1ea3i quy\u1ebft:<\/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 \u0111ang n\u1ed5i l\u00ean 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":{"footnotes":""},"categories":[75],"tags":[1156,1130],"class_list":["post-9304","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reports-en","tag-financial-corporate-services-en","tag-retail-en"],"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\" \/>\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\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"B&Company Vietnam\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"B&Company Vietnam\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/b-company.jp\/vi\/emerging-personal-finance-applications-in-vietnam\/\",\"url\":\"https:\/\/b-company.jp\/vi\/emerging-personal-finance-applications-in-vietnam\/\",\"name\":\"Emerging personal finance applications in Vietnam - 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