{"id":10305,"date":"2025-10-10T11:29:02","date_gmt":"2025-10-10T04:29:02","guid":{"rendered":"https:\/\/phukienmattroi.com\/index.php\/2025\/10\/10\/mot-ben-danh-vao-do-phu-va-rao-can-sieu-thap-de-keo-nguoi-dung-moi-len-nen-tang-so-ben-kia-day-kien-truc-trai-nghiem-den-muc-mot-cham-cuoc-dua-nam-nay-phan-chieu-chinh-xac-hai-loi-tiep-can-nguoi\/"},"modified":"2025-10-10T11:29:02","modified_gmt":"2025-10-10T04:29:02","slug":"mot-ben-danh-vao-do-phu-va-rao-can-sieu-thap-de-keo-nguoi-dung-moi-len-nen-tang-so-ben-kia-day-kien-truc-trai-nghiem-den-muc-mot-cham-cuoc-dua-nam-nay-phan-chieu-chinh-xac-hai-loi-tiep-can-nguoi","status":"publish","type":"post","link":"https:\/\/phukienmattroi.com\/index.php\/2025\/10\/10\/mot-ben-danh-vao-do-phu-va-rao-can-sieu-thap-de-keo-nguoi-dung-moi-len-nen-tang-so-ben-kia-day-kien-truc-trai-nghiem-den-muc-mot-cham-cuoc-dua-nam-nay-phan-chieu-chinh-xac-hai-loi-tiep-can-nguoi\/","title":{"rendered":"M\u1ed9t b\u00ean \u0111\u00e1nh v\u00e0o \u0111\u1ed9 ph\u1ee7 v\u00e0 r\u00e0o c\u1ea3n si\u00eau th\u1ea5p \u0111\u1ec3 k\u00e9o ng\u01b0\u1eddi d\u00f9ng m\u1edbi l\u00ean n\u1ec1n t\u1ea3ng s\u1ed1, b\u00ean kia \u0111\u1ea9y ki\u1ebfn tr\u00fac – tr\u1ea3i nghi\u1ec7m \u0111\u1ebfn m\u1ee9c “m\u1ed9t ch\u1ea1m”; cu\u1ed9c \u0111ua n\u0103m nay ph\u1ea3n chi\u1ebfu ch\u00ednh x\u00e1c hai l\u1ed1i ti\u1ebfp c\u1eadn ng\u01b0\u1eddi Vi\u1ec7t r\u1ea5t kh\u00e1c nhau."},"content":{"rendered":"


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M\u00f9a gi\u1ea3i Better Choice Awards n\u0103m nay \u1edf nh\u00f3m “H\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh” \u0111\u1eb7t ra hai c\u00e2u h\u1ecfi then ch\u1ed1t c\u1ee7a th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam: l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00e0i ch\u00ednh s\u1ed1 th\u1eadt s\u1ef1 \u0111\u1ebfn v\u1edbi s\u1ed1 \u0111\u00f4ng (To\u00e0n di\u1ec7n xu\u1ea5t s\u1eafc), v\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u1ed5i tr\u1ea3i nghi\u1ec7m \u0111\u1ebfn m\u1ee9c thuy\u1ebft ph\u1ee5c ng\u01b0\u1eddi d\u00f9ng b\u1ecf th\u00f3i quen c\u0169 (\u0110\u1ed9t ph\u00e1 \u1ea5n t\u01b0\u1ee3ng). Viettel Money v\u00e0 HDBank l\u00e0 hai \u0111\u1ea1i di\u1ec7n ti\u00eau bi\u1ec3u cho hai chi\u1ebfn l\u01b0\u1ee3c tr\u00e1i chi\u1ec1u: bao ph\u1ee7 – bao tr\u00f9m so k\u00e8 v\u1edbi ki\u1ebfn tr\u00fac – li\u1ec1n m\u1ea1ch.<\/p>\n

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\"vtm<\/div>
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H\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n xu\u1ea5t s\u1eafc: “Ph\u1ed5 c\u1eadp” th\u1eafng b\u1eb1ng \u0111\u1ed9 ph\u1ee7 v\u00e0 d\u1ecbch v\u1ee5 thi\u1ebft y\u1ebfu<\/b><\/p>\n

N\u1ebfu “to\u00e0n di\u1ec7n” \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 d\u1ec5 ti\u1ebfp c\u1eadn cho \u0111a d\u1ea1ng nh\u00f3m ng\u01b0\u1eddi d\u00f9ng v\u00e0 \u0111\u1ee7 b\u1ec1 r\u1ed9ng d\u1ecbch v\u1ee5, Viettel Money hi\u1ec7n n\u1eafm nhi\u1ec1u \u0111i\u1ec3m c\u1ed9ng h\u1eefu h\u00ecnh.<\/p>\n

Kh\u00e1c v\u1edbi c\u00e1ch ti\u1ebfp c\u1eadn thu\u1ea7n ng\u00e2n h\u00e0ng s\u1ed1, Viettel Money xu\u1ea5t ph\u00e1t t\u1eeb n\u1ec1n t\u1ea3ng vi\u1ec5n th\u00f4ng \u0111\u1ec3 m\u1edf r\u1ed9ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh s\u1ed1 \u0111\u1ebfn t\u1eadn v\u00f9ng n\u00f4ng th\u00f4n, mi\u1ec1n n\u00fai, n\u01a1i ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng kh\u00f3 b\u00e1m r\u1ec5. Quan tr\u1ecdng h\u01a1n, thay v\u00ec d\u1eebng \u1edf chuy\u1ec3n ti\u1ec1n hay thanh to\u00e1n \u0111\u01a1n l\u1ebb, n\u1ec1n t\u1ea3ng \u0111ang m\u1edf r\u1ed9ng sang lo\u1ea1t d\u1ecbch v\u1ee5 thi\u1ebft y\u1ebfu: thanh to\u00e1n \u0111i\u1ec7n, n\u01b0\u1edbc, Internet, h\u1ecdc ph\u00ed, y t\u1ebf, h\u00e0nh ch\u00ednh c\u00f4ng. C\u00e1c li\u00ean k\u1ebft n\u1ed5i b\u1eadt g\u1ed3m k\u1ebft n\u1ed1i t\u00e0i kho\u1ea3n an sinh x\u00e3 h\u1ed9i v\u1edbi VNeID, t\u00edch h\u1ee3p thanh to\u00e1n tr\u1ef1c ti\u1ebfp tr\u00ean c\u1ed5ng d\u1ecbch v\u1ee5 c\u00f4ng nh\u01b0 I-Hanoi, Hue-S, hay tri\u1ec3n khai li\u00ean k\u1ebft t\u00e0i kho\u1ea3n giao th\u00f4ng tr\u00ean ePass. Nh\u1eefng m\u1eaft x\u00edch n\u00e0y bi\u1ebfn Viettel Money th\u00e0nh “c\u1eeda ng\u00f5 thanh to\u00e1n s\u1ed1” g\u1eafn v\u1edbi nh\u1ecbp s\u1ed1ng h\u00e0ng ng\u00e0y c\u1ee7a h\u00e0ng ch\u1ee5c tri\u1ec7u ng\u01b0\u1eddi.<\/p>\n

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\"Viettel<\/div>
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\u1ee8ng d\u1ee5ng hi\u1ec7n cung c\u1ea5p h\u01a1n 350 d\u1ecbch v\u1ee5, tr\u1ea3i t\u1eeb thanh to\u00e1n, ti\u1ebft ki\u1ec7m, b\u1ea3o hi\u1ec3m s\u1ed1 \u0111\u1ebfn \u0111\u1ea7u t\u01b0 tr\u1ef1c tuy\u1ebfn. T\u1ea5t c\u1ea3 \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf theo tri\u1ebft l\u00fd: h\u1ea1 th\u1ea5p r\u00e0o c\u1ea3n, \u0111\u01b0a d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0o ng\u1eef c\u1ea3nh \u0111\u1eddi s\u1ed1ng quen thu\u1ed9c nh\u1ea5t. \u0110\u00e2y ch\u00ednh l\u00e0 \u0111\u1ecbnh ngh\u0129a “to\u00e0n di\u1ec7n” trong b\u1ed1i c\u1ea3nh Vi\u1ec7t Nam, kh\u00f4ng ch\u1ec9 nhi\u1ec1u d\u1ecbch v\u1ee5, m\u00e0 ph\u1ea3i ch\u1ea1m \u0111\u01b0\u1ee3c c\u1ea3 nh\u1eefng nh\u00f3m \u00edt c\u00f3 \u0111i\u1ec1u ki\u1ec7n ti\u1ebfp c\u1eadn ng\u00e2n h\u00e0ng.<\/p>\n

Y\u1ebfu t\u1ed1 ph\u00e1p l\u00fd v\u00e0 v\u1eadn h\u00e0nh c\u1ee7a Viettel Money c\u0169ng “ch\u1eafc ch\u00e2n” khi c\u00f3 gi\u1ea5y ph\u00e9p trung gian thanh to\u00e1n 57\/GP-NHNN (22\/07\/2020) v\u00e0 b\u1ed1i c\u1ea3nh gia h\u1ea1n th\u00ed \u0111i\u1ec3m Mobile Money (NQ 87\/NQ-CP, 15\/04\/2025), l\u1edbp \u0111\u1ec7m c\u1ea7n thi\u1ebft \u0111\u1ec3 m\u1edf r\u1ed9ng quy m\u00f4 bao tr\u00f9m.<\/p>\n

Ph\u00eda HDBank, h\u1ec7 sinh th\u00e1i s\u1ed1 “b\u1ed9 ba” Digital Core – Di HDBank – Di HDBiz c\u0169ng ph\u1ee7 r\u1ed9ng nh\u00f3m c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p, nh\u01b0ng v\u1eabn gi\u1ea3 \u0111\u1ecbnh ng\u01b0\u1eddi d\u00f9ng \u0111\u00e3 c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 h\u00e0nh vi s\u1ed1 c\u0103n b\u1ea3n. \u1ede ti\u00eau ch\u00ed “ph\u1ed5 c\u1eadp & bao tr\u00f9m”, Viettel Money chi\u1ebfm l\u1ee3i th\u1ebf nh\u1edd \u0111\u00e1nh th\u1eb3ng v\u00e0o c\u00e1c nhu c\u1ea7u thi\u1ebft y\u1ebfu v\u00e0 \u0111a d\u1ea1ng c\u1ee7a \u0111\u1ea1i \u0111a s\u1ed1, \u0111\u1eb7c bi\u1ec7t nh\u00f3m ng\u01b0\u1eddi d\u00f9ng ch\u01b0a quen v\u1edbi s\u1ea3n ph\u1ea9m ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n

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\"Viettel<\/div>
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H\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh c\u00f3 \u0111\u1ed9t ph\u00e1 \u1ea5n t\u01b0\u1ee3ng: “Ki\u1ebfn tr\u00fac + tr\u1ea3i nghi\u1ec7m” th\u1eafng b\u1eb1ng t\u1ed1c \u0111\u1ed9 v\u00e0 li\u1ec1n m\u1ea1ch<\/b><\/p>\n

\u1ede chi\u1ec1u “\u0111\u1ed9t ph\u00e1”, HDBank \u0111\u01b0a ra m\u1ed9t b\u1ee9c tranh c\u00f4ng ngh\u1ec7 r\u1ea5t gi\u00e0u chi ti\u1ebft k\u1ef9 thu\u1eadt: QR li\u00ean ng\u00e2n h\u00e0ng (NAPAS 24\/7), Apple Pay & Google Pay t\u00edch h\u1ee3p tr\u1ef1c ti\u1ebfp, sinh tr\u1eafc h\u1ecdc, Soft-OTP, tokenization, c\u1ed9ng th\u00eam l\u1edbp t\u01b0\u01a1ng t\u00e1c Voice-to-Action\/Voice OTT v\u00e0 chatbot. B\u1ea3n ch\u1ea5t \u0111\u00e2y l\u00e0 “\u0111\u1ed9t ph\u00e1 ph\u01b0\u01a1ng th\u1ee9c”: gi\u1ea3m quy tr\u00ecnh xu\u1ed1ng ch\u1ec9 c\u00f2n 1-2 thao t\u00e1c, v\u1eeba m\u01b0\u1ee3t v\u1eeba an to\u00e0n, \u0111\u00fang tinh th\u1ea7n “seamless access for all” (ai c\u0169ng d\u00f9ng \u0111\u01b0\u1ee3c)<\/p>\n

Song song l\u00e0 \u0111\u1ed5i m\u1edbi ki\u1ebfn tr\u00fac: core cloud-native, microservices, container h\u00f3a (Docker\/Kubernetes), gi\u00fap h\u1ec7 th\u1ed1ng m\u1edf r\u1ed9ng g\u1ea5p \u0111\u00f4i l\u01b0u l\u01b0\u1ee3ng trong th\u1eddi gian ng\u1eafn m\u00e0 kh\u00f4ng \u0111\u00e1nh \u0111\u1ed5i hi\u1ec7u n\u0103ng. \u0110\u00e2y l\u00e0 “\u0111\u1ed9t ph\u00e1 b\u1ec1n” v\u00ec ch\u1ea1m t\u1edbi t\u1ea7ng v\u1eadn h\u00e0nh, cho ph\u00e9p ng\u00e2n h\u00e0ng r\u00fat ng\u1eafn th\u1eddi gian \u0111\u01b0a s\u1ea3n ph\u1ea9m m\u1edbi ra th\u1ecb tr\u01b0\u1eddng, t\u0103ng \u0111\u1ed9 \u1ed5n \u0111\u1ecbnh \u1edf quy m\u00f4 l\u1edbn.<\/p>\n

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\"Viettel<\/div>
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Ngo\u00e0i ra, HDBank c\u00f2n th\u1eed nghi\u1ec7m Banking-as-a-Platform v\u00e0 Agent Banking, \u0111\u01b0a ng\u00e2n h\u00e0ng \u0111\u1ebfn ngay trong \u1ee9ng d\u1ee5ng \u0111\u1ed1i t\u00e1c ho\u1eb7c m\u00f4 h\u00ecnh hybrid t\u1ea1i qu\u1ea7y. \u0110\u00e2y l\u00e0 “\u0111\u1ed9t ph\u00e1 th\u1ea7m l\u1eb7ng”: t\u00e1i \u0111\u1ecbnh ngh\u0129a \u0111i\u1ec3m ch\u1ea1m v\u00e0 h\u00e0nh tr\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng thay v\u00ec bu\u1ed9c h\u1ecd ph\u1ea3i ch\u1ee7 \u0111\u1ed9ng t\u00ecm \u0111\u1ebfn ng\u00e2n h\u00e0ng.<\/p>\n

Ph\u00eda Viettel Money, \u0111i\u1ec3m m\u1edbi \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 n\u1ed7 l\u1ef1c t\u00edch h\u1ee3p AI cho c\u00e1 nh\u00e2n h\u00f3a tr\u1ea3i nghi\u1ec7m v\u00e0 b\u1ea3o m\u1eadt, nh\u01b0ng c\u00e1ch ti\u1ebfp c\u1eadn “\u0111\u1ed9t ph\u00e1” \u1edf \u0111\u00e2y nghi\u00eang nhi\u1ec1u v\u1ec1 ph\u1ed5 c\u1eadp x\u00e3 h\u1ed9i h\u01a1n l\u00e0 t\u00e1i \u0111\u1ecbnh ngh\u0129a tr\u1ea3i nghi\u1ec7m s\u1ed1. N\u1ebfu ti\u00eau ch\u00ed ch\u1ea5m gi\u1ea3i \u01b0u ti\u00ean m\u1ee9c li\u1ec1n m\u1ea1ch – an to\u00e0n – nhanh ch\u00f3ng trong giao d\u1ecbch, HDBank n\u1ed5i b\u1eadt h\u01a1n nh\u1edd stack c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i v\u00e0 kh\u1ea3 n\u0103ng b\u00e1m s\u00e1t th\u00f3i quen smartphone-first c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t.<\/p>\n

Cu\u1ed9c so k\u00e8 Viettel Money v\u00e0 HDBank \u1edf nh\u00f3m gi\u1ea3i H\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh n\u0103m nay kh\u00f4ng ph\u1ea3i “h\u01a1n thua” tr\u00ean c\u00f9ng m\u1ed9t tr\u1ee5c, m\u00e0 l\u00e0 hai c\u1ef1c chi\u1ebfn l\u01b0\u1ee3c. Viettel Money \u0111i theo h\u01b0\u1edbng ph\u1ed5 c\u1eadp b\u1eb1ng d\u1ecbch v\u1ee5 thi\u1ebft y\u1ebfu, k\u00e9o \u0111\u00f4ng \u0111\u1ea3o ng\u01b0\u1eddi Vi\u1ec7t, k\u1ec3 c\u1ea3 ch\u01b0a quen ng\u00e2n h\u00e0ng, v\u00e0o t\u00e0i ch\u00ednh s\u1ed1. HDBank l\u1ea1i \u0111\u1ea9y chu\u1ea9n m\u1ef1c tr\u1ea3i nghi\u1ec7m, bi\u1ebfn giao d\u1ecbch th\u00e0nh thao t\u00e1c li\u1ec1n m\u1ea1ch, an to\u00e0n \u0111\u1ebfn m\u1ee9c “qu\u00ean l\u00e0 \u0111ang d\u00f9ng ng\u00e2n h\u00e0ng”.<\/p>\n

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\"Viettel<\/div>
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\u1ede h\u1ea1ng m\u1ee5c To\u00e0n di\u1ec7n xu\u1ea5t s\u1eafc, l\u1ee3i th\u1ebf nghi\u00eang v\u1ec1 Viettel Money nh\u1edd tri\u1ebft l\u00fd “\u0111i t\u1eeb nhu c\u1ea7u thi\u1ebft y\u1ebfu c\u1ee7a s\u1ed1 \u0111\u00f4ng”. C\u00f2n \u1edf \u0110\u1ed9t ph\u00e1 \u1ea5n t\u01b0\u1ee3ng, HDBank n\u1ed5i b\u1eadt v\u1edbi ki\u1ebfn tr\u00fac v\u00e0 tr\u1ea3i nghi\u1ec7m, \u0111\u01b0a ng\u00e2n h\u00e0ng s\u1ed1 Vi\u1ec7t Nam ti\u1ec7m c\u1eadn chu\u1ea9n qu\u1ed1c t\u1ebf. Hai l\u00e1t c\u1eaft n\u00e0y cho th\u1ea5y th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh s\u1ed1 \u0111ang c\u00f9ng l\u00fac ch\u1ea1y tr\u00ean hai \u0111\u01b0\u1eddng ray: m\u1edf r\u1ed9ng v\u00f2ng tr\u00f2n ti\u1ebfp c\u1eadn v\u00e0 n\u00e2ng t\u1ea7m tr\u1ea3i nghi\u1ec7m. Ng\u01b0\u1eddi d\u00f9ng cu\u1ed1i, t\u1eeb c\u00f4ng nh\u00e2n n\u00f4ng th\u00f4n \u0111\u1ebfn d\u00e2n v\u0103n ph\u00f2ng th\u00e0nh th\u1ecb, m\u1edbi ch\u00ednh l\u00e0 b\u00ean h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t t\u1eeb cu\u1ed9c c\u1ea1nh tranh n\u00e0y.<\/p>\n

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\n<\/figcaption><\/figure>\n

\u00a0<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

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