BankCard & EPay Vietnam 2012

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2012
Th trng th ngn hng v thanh ton in t Vit Nam
Mr. Bi Gia Tun
Copyright Protection 2012

bgtuan89@gmail.com 0976271858 15-Feb-12
LI NI U Trong giai on 2007 2011, ngn hng bn l ti Vit Nam pht trin mnh, cng vi l th trng th cng c nhng bc tng trng n tng t n ngng gn 44 triu th pht hnh (12/2011). Tuy nhin, ch khong 50% trong s l hot ng (Active) v dch v da trn th cng vn cn ngho nn v cha tn dng ht c ngun lc ngn hng v tim nng th trng. T nm 2012, th trng th pht hnh tng trng chm li v cc ngn hng, sau 1 thi gian trm hoa ua n tp trung u t mnh vo dch v gi tr gia tng trn th. iu ny to iu kin thun li cho cc t chc chuyn mch v thanh ton in t mang li nhng dch v thanh ton trc tuyn tin li cho khch hng. Nhm cung cp ci nhn kh ton din v th trng th ngn hng v thanh ton in t ti Vit Nam, nhm tc gi bin son ra ti liu ny. N c th c gi tr tham kho ng k i vi ngn hng bn l, cc t chc chuyn mch, thanh ton in t. y l Version 1.0, ti liu ny c th s c cp nht v b sung cn thit, Nhm tc gi rt mong nhn c gp phn hi t ng nghip v bn b cng trao i v pht trin nhng dch v lin quan c tt hn. Xin cm n! H Ni, ngy 15 thng 2 nm 2012
Bi Gia Tun
Copyright Protection 2012 | Bui Gia Tuan
V NHM TC GI V THNG TIN LIN H

Ti liu c bin son t bi vit ca nhm tc gi hin ang cng tc ti CTCP Chuyn mch ti chnh Quc Gia Vit Nam Banknetvn. i din tc gi: Bi Gia Tun - Fully copyright protection 2012
Thng tin c nhn:

H v tn: Nm sinh: Chc v: Hc v: Ngoi ng: Email: Di ng: C quan: a ch c quan: Bi Gia Tun 1989 Sinh vin khoa QTKD HKT - HQGHN C nhn (2011) Ting Anh bgtuan89@gmail.com 0976271858 CTCP Chuyn mch ti chnh Quc gia Vit Nam - Banknetvn T5, Ta nh C3, Gii phng, Thanh Xun, H Ni, Vit Nam
g :
1. ng c thm nh p th t ng Vit Nam thng qua ng tc gi, NCKH V UEB VNU (20010). 2. A ng phng thc cho mua cng hai v thu tm t n sn chng hon, tc A out oo , A, ng tc thng 2011 gi, K TN CN (2011) 3. A ti Vit Nam, nh n i 2010 v t in vng 2011, ng tc gi, c san M&A Forum, VIR, MPI 2011. 4. ng c thm nh p th t ng Vit Nam ca TNCs thng qua h nh thc gi, Tp ch nhng v n ISSN 0868-2984. 5. Xy dng m h nh t ng i hc nh 1 H sinh thi 06/2012 6. T do ha th t ng c m xi mn o c doanh nghip ?, ng tc gi, bi d thi Summer school Essay Contest, VEPR UEB VNU, 06/2011. g g 1. Ngn hng u t 2. M&A 3. Thit k m h nh t chc l vc quan tm: ICT IB E&T Copyright Protection 2012 | Bui Gia Tuan inh t v chnh t th gi i ( P) s 1 A ca cc TNCs ti Vit Nam,
KHUYN CO S DNG Nhng kin c nu trong ti liu ny l kin ca c nhn tc gi/nhm tc gi m hon ton khng nht thit phn nh quan im ca bt k t chc no tc gi trc thuc. D c gng tm kin ngun s liu tin cy, tuy nhin chng ti khng m bo nhng thng tin a ra l hon ton chnh xc v khng chu trch nhim trc cc thit hi khi cc bn s dng thng tin t ti liu ny. Nhng thng tin a ra trong ti liu t nhng ngun cng b cng khai (Public) v khng nh hng n quyn li ca bt k t chc no c nu trong bo co ny. y l ti liu chia s m nn tc gi khuyn khch cc bn chia s ti cc knh m bn c quan tm, xin hy ghi r ngun: Bi Gia Tun 2012 khi cc bn ti pht hnh hoc chia s li ti liu ny./.
MC LC
LI NI U ........................................................................................................................................ 1 V NHM TC GI V THNG TIN LIN H ................................................................................. 2 KHUYN CO S DNG .................................................................................................................... 3 MC LC .............................................................................................................................................. 4 TH TRNG TH NGN HNG & THANH TON IN T TI VIT NAM ............................... 6 PHN 1: I. II. III. IV. V. VI. VII. VIII. IX. X. XI. XII. XIII. XIV. XV. XVI. XVII. XVIII. XIX. XX. XXI. XXII. XXIII. XXIV. XXV. DCH V TH TI CC NGN HNG ........................................................................... 10
NGN HNG NNG NGHIP V PHT TRIN NNG THN VIT NAM (AGRIBANK) .... 10 NGN HNG U T V PHT TRIN VIT NAM (BIDV) ................................................. 17 NGN HNG TMCP CNG THNG VIT NAM - VIETINBANK .................................... 22 NGN HNG TMCP CHU (ACB) ..................................................................................... 26 NGN HNG TMCP SI GN CNG THNG (SCB) ........................................................... 31 NH PHT TRIN NH NG BNG SNG CU LONG (MHB) ........................................ 33 NGN HNG TMCP NH H NI (HBB) ............................................................................. 34 NGN HNG TMCP AN BNH (ABB).................................................................................... 36 NGN HNG TMCP I DNG (OCEANBANK).............................................................. 39 NGN HNG TMCP NG NAM (SEABANK) .................................................................... 42 NGN HNG TMCP XNG DU PETROLIMEX (PGBank) ................................................. 44 NGN HNG LIN DOANH VIT NGA (VRB) .................................................................... 46 NGN HNG TMCP PHNG TY (WESTERN BANK) .................................................... 48 NGN HNG TMCP SI GN THNG TN (SACOMBANK) ...................................... 50 NGN HNG TMCP I TN (TRUSTBANK) ...................................................................... 54 NGN HNG TMCP NAM (NamABank) ......................................................................... 56 NGN HNG TMCP NGOI THNG VIT NAM (VCB)............................................... 59 NGN HNG TMCP K THNG VIT NAM (TECHCOMBANK) ................................ 62 NGN HNG TMCP QUN I (MBB) ............................................................................ 65 NGN HNG TMCP DU KH TON CU (GPBANK) ....................................................... 70 NGN HNG TMCP NAM VIT (NAVIBANK)................................................................. 72 NGN HNG TMCP QUC T VIT NAM (VIB) ............................................................. 74 NH TMCP XUT NHP KHU VIT NAM (EXIMBANK) ............................................. 77 NGN HNG TMCP PHNG NAM (SOUTHERN BANK) ............................................. 81 NGN HNG TMCP PHT TRIN NH TP.HCM (HDBank) ........................................... 82 Copyright Protection 2012 | Bui Gia Tuan
XXVI. XXVII. XXVIII. XXIX. XXX.
NGN HNG TMCP HNG HI (MARITIME BANK)...................................................... 84 NGN HNG TMCP TIN PHONG (TIENPHONGBANK) ............................................ 86 NGN HNG TMCP BO VIT (BAOVIETBANK). ..................................................... 88 NGN HNG TMCP NG (DongABank) ..................................................................... 91 NGN HNG TMCP I (DAIABANK) ......................................................................... 95
PHN II: CC T CHC THANH TON IN T .......................................................................... 97 I. II. III. IV. V. VI. VII. VIII. IX. X. XI. XII. XIII. XIV. XV. XVI. XVII. XVIII. NGN LNG ............................................................................................................................ 97 VCCorp ....................................................................................................................................... 101 VTC Intecom ........................................................................................................................... 107 VNPAY ................................................................................................................................... 111 PAYOO ....................................................................................................................................... 115 ONEPAY................................................................................................................................. 117 PAYNET ................................................................................................................................. 120 WEBMONEY.......................................................................................................................... 124 ECPay ..................................................................................................................................... 126 VINAPAY ................................................................................................................................... 128 MOBIVI ................................................................................................................................. 132 VNPT EPAY ........................................................................................................................... 136 MY PAY ................................................................................................................................. 138 MPAY ................................................................................................................................. 141 M SERVICE ............................................................................................................................ 146 SMARTLINK ...................................................................................................................... 148 V.N.B.C ............................................................................................................................... 153 BANKNETVN..................................................................................................................... 155
PHN 3: CC T CHC PHT HNH TH QUC T .................................................................. 157 1. Visa Inc.. ......................................................................................................................................... 157 2. MasterCard...................................................................................................................................... 158 3. American Express (Amex) ............................................................................................................... 160 4. China UnionPay (CUP) ................................................................................................................... 160 5. Japan Credit Bureau (JCB)............................................................................................................... 160
TH TRNG TH NGN HNG & THANH TON IN T TI VIT NAM (Updated to 10/2011) Vit Nam l th trng th thanh ton nng ng hng u th gii vi mc tng trng 18.5% trong giai on t nay ti 2014 ( Research and Markets. US). Theo s liu thng k, tnh n thng 6/2011, c nc c 37 triu th vi 250 thng hiu th t 47 t chc pht hnh. Trong th ni a chim 94%, th thanh ton v tn dng quc t chim 6%. S lng my ATM l 12000 my, 58000 POS c vn hnh. Vi quy m dn s tr hn 85 triu dn cng vi s pht trin ca cng ngh v xu hng thng mi in t pht trin mnh m l yu t thc y cho s pht trin ca th trng th bao gm c th tn dng, th ghi n. Trong thi gian ti, sn phm dch v th nm trong hng pht trin u tin s mt ca cc ngn hng chim lnh th phn. Mt s dng ti khon ngn hng ca Vit Nam ch mc 5-6%, th ca Vit Nam th kh hn, t 22% trong khi trong khu vc Thai Lan v Malaysia, con s ny l 70-80%. Cc NHTM ang c xu hng chuyn sang bn l, tng cng tip cn vi khch hng l c nhn, doanh nghip nh v va. Thng k th c pht hnh bi t chc t 2005-2009 ( n v 1000 th)
Tn t chc Banknetvn Smartlink VNBC VISA MASTER card American Express Khc Tng cng (Source:SBV)
2005 715 300,6 140 45 33,1 5,6 10,6 1250
2006 3565 1500,4 719,2 210,8 131,4 10,8 62,3 6200
2007 5168,8 2211,3 1082,9 336,7 182,9 16 101,4 9100
2008 8711 3859,5 1867,8 635,5 302,3 28,8 95,2 15500
2009 12375 5517,6 2662 990 407 39,8 8,6 22000

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Thng k gi tr giao dch qua cc t chc t 2005-2009 ( n v: VN t)
Tn t chc Banknetvn Smartlink VNBC Visa Master Card American Express Khc Tng cng
2005 1062,8 458,5 179,2 1778,2 862 56,7
2006 6821,2 2946 1189,7 1906,6 908,2 117,9
2007 10888,5 5520,4 1941,7 2093,1 986,5 176,9
2008 19366,6 9977,8 3533,8 2370,7 1134,7 328,1
2009 30609 15036 5370 2647,1 1268,4 476
62,8 4460,2
384,7 14274,3
701,8 22308,8
1798,7 38510,5
2743,1 58149,7
(Ngun: SBV, Hip hi th Vit Nam) Trong , th phn th ln nht thuc v cc ngn hng ln nh Agribank, Vietcombank, BIDV, Vietin Bank, ng , Techcombank, Sacombank, ACB, Eximbank. Phn khc th trng ri vo nhng thnh ph ln, khu du lch tri khp 61 tnh thnh trn c nc. Cc ngn hng nh hn tn dng vic th pht hnh c th rt tin mt, giao dch ti ATM, POS ca cc ngn hng trong cng lin minh nn h gim thiu c chi ph lp t v vn hnh my ATM, POS. Tnh n thng 6/2011, ti Vit Nam c gn 200 t chc tn dng, c th nh sau: STT 1. 2. 3. 4. 5. 6. Loi hnh t chc tn dng Ngn hng thng mi nh nc Ngn hng chnh sch Ngn hng thng mi c phn Ngn hng lin doanh Chi nhnh ngn hng nc ngoi Ngn hng 100% vn nc ngoi S lng 5 1 37 5 48 5
7. 8. 9.
Vn phng i din ngn hng nc ngoi Cng ty ti chnh Cng ty cho thu ti chnh
48 17 13
S liu trn cho thy s lng ngn hng Vit Nam c s gia tng v s lng v loi hnh ngn hng. Trong bi cnh cnh tranh ngy cng gay gt do c lng ngn hng ng o, cc ngn hng i hi phi c s n lc trong vic thu ht khch hng s dng dch v ca mnh. Xut pht t iu , bn cnh cc dch v ct li, ngn hng Vit Nam pht trin nhiu thm nhiu dch v gi tr gia tng mi nhm a dng ho dch v v p ng nhu cu ca ng o khch hng, c bit l khi khch hng c nhn do lng khch hng c nhn ang chim t trng v s lng giao dch tng i ln so vi khi khch hng doanh nghip. Cn c kt qu kho st thc t, dch v ang c ngn hng cung cp cho khch hng th hin nh sau: STT Ngn hng Dch v ATM/POS Internet Mobile SMS Home Phone Kios Counter
Banking Banking Banking Banking Banking 1. 2. 3. 4. 5. 6. Agribank BIDV Vietinbank ACB
Sacombank Saigonbank
Tuy c s pht trin v loi hnh dch v v knh giao dch nhng cc ngn hng vn cha pht huy c tin ch v cha p ng c nhng yu cu thanh ton ca khch hng. iu ny l do tng ngn hng t pht trin mt cch c lp v ch tp trung vo
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lng khch hng ca ring bn thn ngn hng, dn n cc b ha trong thanh ton. Mt trong nhng im mu cht thu ht khch hng s dng cc dch v ny l dch v phi thc s nhanh chng, thun tin v an ton cho ch th. Nu Vit nam xy dng c mt h thng kt ni c gia cc ngn hng th s y mnh c s lng cng nh cht lng cho cc loi hnh giao dch bn l v p ng c nhu cu ca khch hng. S bng n ca cc sn phm v in t v cc website bn hng trc tuyn trong nhng nm tr li mang li nhiu s la chn v tin ch cho ngi tiu dng c bit l khi nhn vin vn phng. Hin ti trn th trng c kh nhiu sn phm v in t c vn hnh c th k n nh: OnePay, VNMART, VNPAY, VIETPAY, Ngn lng, Bo Kim, Mobivi, Webmoney, Epay, Smartlink, Payoo, Megapay, Momo, Mypay, PaynetVic cc cng ty ny gia tng mnh v cnh tranh nhau gip cho ngi tiu dng c li v c thm nhiu tin ch, dch v v sn phm mi hn. Mi cng ty chim lnh mt mng phn khc th trng khc nhau, theo thi gian h s hot ng chuyn nghip hn m bo tin cy vi th trng. Mc d vy h thng thanh ton v tiu dng hin ti vn s dng tin mt l chnh. l thi quen lu i ca ngi dn Vit Nam, tuy nhin cng vi s pht trin mnh, thi quen c s nhng ch cho xu hng tiu dng mi hin i hn, thun tin hn v gim nhiu chi ph cho nn kinh t.
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PHN 1: I.
DCH V TH TI CC NGN HNG
NGN HNG NNG NGHIP V PHT TRIN NNG THN VIT NAM (AGRIBANK)
1. Tng quan Thnh lp ngy 26/3/1988, hot ng theo Lut cc T chc Tn dng Vit Nam, n nay Ngn hng Nng nghip v Pht trin Nng thn Vit Nam - Agribank l ngn hng thng mi hng u gi vai tr ch o v ch lc trong pht trin kinh t Vit Nam, c bit l u t cho nng nghip, nng dn, nng thn. Agribank l mt trong nhng ngn hng ln nht v lu i nht Vit nam. Ngn hng c quan h tng i ln vi cc ngn hng khc Vit Nam v trn th gii, v cc cng ty cung cp dch v. Agribank ng thi l C ng sng lp ra Banketvn v l ngn hng trong lin minh th ca h thng Banknetvn. 2. Sn phm, dch v th v thanh ton u im: Th ghi n ni a - Success ca Agribank cho php khch hng c nhn l ch th s dng trong phm vi s d ti khon tin gi khng k hn v (hoc) hn mc thu chi thanh ton tin hng ha, dch v, rt tin mt ti n v chp nhn th hoc im ng tin mt (ATM/EDC). Ch th c th rt tin 1.702 my ATM v hng nghn EDC/POS ca Agribank. C th c cp hn mc thu chi ti a ln ti 30 triu ng v thi hn thu chi ln ti 12 thng. Ch th c th thanh ton ha n, mua th tr trc ti ATM. Cc tin ch Mobile Banking nh: thng bo bin ng s d, chuyn khon Atransfer, np tin thu bao di ng tr trc, thanh ton cc thu bao di ng tr sau, v in t Vnmart, v.v ng thi, ch th c th thc hin giao dch trn hng nghn ATM v EDC/POS qua h thng Banknetvn - Smartlink - VNBC trn ton quc, bao gm: rt tin, chuyn khon
Th ghi n ni a Success
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(trong cng mt h thng t chc thnh vin), vn tin s d, in sao k ti ATM; thanh ton hng ha, dch v ti n v chp nhn th.
Th ghi n quc t Agribank Visa/MasterCard u im Rt/ng tin mt ti ATM, EDC/POS ti quy giao dch v cc im ng tin mt khc trn phm vi ton cu. Thanh ton tin hng ha, dch v ti cc n v chp nhn th hoc qua Internet Thanh ton ho n, mua th tr trc S dng cc tin ch Mobile Banking Min ph bo him tai nn ch th trn phm vi ton cu vi s tin bo him ln ti 15 triu ng/th Th tn dng quc t Agribank Visa/MasterCard u im ng tin mt ti ATM, EDC/POS ti quy giao dch v cc im ng tin mt khc trn phm vi ton cu Thc hin cc giao dch t trc nh phng khch sn, t v my bay, tour du lch, v.v Min ph bo him tai nn ch th trn phm vi ton cu vi s tin bo him ln ti 15 triu ng n 5000USD c hng li sut cho vay th tn dng cnh tranh, c min li cho cc giao dch thanh ton hng ha, dch v ln ti 45 ngy. Dch v thu Ngn sch Nh nc Khch hng l ngi Vit Nam hoc ngi nc ngoi ang sinh sng v lm vic ti Vit Nam u c th s dng dch v thu ngn sch nh nc ca Agribank. Ngn hng s thu h tin thu, ph, l ph v c khon thu khc vo ngn sch ng nc cho khch hng np vo Kho bc Nh nc, Cc thu. Thay v phi n tr s ca Kho bc nh nc, Cc thu, ngi np thu c th chuyn khon hoc np tin mt ti cc im giao dch ca Agribank.
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Nhn nh: Thu ngn sch hng nm tng trng khng ngng, v d ton thu ngn sch 2011 l 595.000 t ng, tng 12,7% tng so vi c thc hin nm 2010. Nm trong d n Hin i ha Thu ngn sch nh nc, khng ch Agribank m cc ngn hng khc nh Maritime, MB cng ang tch cc hp tc vi cc bn: Kho bc, Cc thu, Hi quan rt ngn thi gian v chi ph cho ngi np ngn sch. Tuy nhin cch thc tin hnh vn cn hn ch, cha tht s tha mn ht nhu cu ngi dng dch v. Vi c s h tng sn c v k thut v nghip v, BNV hon ton c th tung ra th trng cc tin ch v mobile baking, sms banking, internetbanking phc v nhu cu ca th trng. Dch v thanh ton ho n, nh thu t ng Agribank ng vai tr trung gian gia nh cung cp dch v v ngi tiu dng thu h v thanh ton h dch v thng qua d liu n Agribank qua h thng kt ni. Vi dch v ny, cc ha n nh k nh in thoi di ng tr sau, in thoi c nh, Internet... c th c thanh ton d dng m khch hng khng cn ti cc im thu ph dch v. S tin thanh ton c ngn hng t ng trch t ti khon ca khch hng. Sau khi hon thnh giao dch thanh ton, ngn hng s thng bo trc tip bng tin nhn ti in thoi ca nhng khch hng ng k SMS Banking. Ha n ti chnh s c nh cung cp dch v gi v cho khch hng qua ng bu in. Vi hnh thc ny, mi thng tin v ha n, giao dch thanh ton ha n c m bo an ton, chnh xc. Tit kim thi gian, chi ph giao dch. c bit, khch hng khng mt mt khon ph no khi s dng dch v ny. Bn cnh vic thanh ton bng tin mt, ti quy giao dch, bng th ATM, chur th c th s dng cc tin ch cc dch v gia tng trn Mobile Baking, Internet Banking. Dch v thanh ton ha n tin in Dch v ny p dng i vi khch hng c nhn, Agribank s thc hin thu tin in ca khch hng s dng in ca Cng ty in lc. Nh mng li hn 2.200 chi nhnh trn ton quc, h thng IPCAS cho php chuyn khon trc tuyn, p ng yu cu thc hin dch v thanh ton ha n tin in nhanh, kp thi cho khch hng trong h thng Agribank
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Nhn nh: Hin nay BNV phi hp vi Ngn hng Nng nghip v pht trin Nng thn (Agribank), Ngn hng u t v pht trin Vit Nam (BIDV), Vin Thng H Ni (VNPT), Cng ty c phn thanh ton in t VNPT (VNPT Epay) gip ngi dng c th thanh ton ha n tr sau mt cch thun tin, nhanh chng, chnh xc. Vi cc dch thanh ton trong nc trn ca Ngn hng Nng nghip v pht trin Nng thn, BNV c th trin khai vi Agribank v cc i tc ca Agri trong dch v trn vic thanh ton ngy cng tr nn tin li, minh bch v tit kim Dch v Kiu hi Vi hn 2300 chi nhnh - phng giao dch trn ton quc c kt ni trc tuyn v quan h vi hn 1000 ngn hng i l ti 113 quc gia, vng lnh th trn th gii, Agribank cung cp cho khch hng dch v nhn v chuyn tin kiu hi nhanh chng, an ton, thun tin. Ngi nhn cng nh ngi gi vn quen n ngn hng nhn kiu hi t nc ngoi. Tuy nhin thay v phi n ngn hng, ngi nhn tin c th nhn tin qua th ATM. Ngoi t gi v s c ngn hng qui i ra ng Vit nam theo t gi qui nh v chuyn vo ti khon ATM ca ch th. Ngoi ra, ch th c th rt tin ti bt k thi gian no v ti bt k cy ATM no ca Agribank. Thanh ton mu bin y l mt trong nhng hnh thc thanh ton bin mu khu vc bin gii v khu vc kinh t ca khu Vit Nam Trung Quc hoc Vit Nam Lo m khch hng c th s dng cho mc ch: thanh ton xut nhp khu, u t, chuyn vn, tr ph, du hc, cha bnh Agribank k kt tha thun hp tc thanh ton bin gii vi 4 ngn hng ln Trung Quc: Ngn hng Kin thit Trung Quc, Ngn hng Nng nghip Trung Quc, Ngn hng Cng thng Trung Quc, Ngn hng Ngoi thng Trung Quc; Agribank k kt tha thun hp tc thanh ton bin gii Vit-Lo vi Ngn hng Phongsavanh nn vic thanh ton cng tr nn nhanh chng, thun tin, chi ph thp hn so vi trc kia.
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Khch hng c th n bt c chi nhnh ca Agribank trn ton quc yu cu chuyn tin bng chuyn tin in TTR bin mu. Thng tin v mi giao dch ca qu khch hng c bo mt tuyt i Ngoi ra, khi thc hin thanh ton bin mu qua Internet Banking, ngi dng tit kim c nhiu thi gian thanh ton, gim thiu c ri ro, quy trnh thanh ton c thc hin chnh xc, v c bit tit kim c nhiu chi ph bi ph dch v rt r. Nhn nh: BNV c th hp tc vi Agribank v cc ngn hng hp tc vi Agribank trong dch v ny gip khch hng gim thi gian thanh ton, gim ri ro, rt ngn chi ph v giy t. Hn na, hin nay khng ch Agribank cung cp dch v Thanh ton bin mu, m cn nhiu ngn hng khc tham gia. Kt ni c h thng ny s lm cho h thng thanh ton bin mu ti cc nc c lin quan tr nn linh hot v d dng hn. 2.7 SMS Banking Dch v vn tin s d Vi dch v ny, ch th c th bit c s d ti khon ca mnh ti Agribank mi lc, mi ni (c ph sng vin thng di ng) ch bng vic nhn tin t in thoi di ng. Ph Cng ty vin thng thu ca khch hng: 1000 / tin nhn Ph ngn hng: Min ph giao dch ca khch hng. Dch v in sao k 5 giao dch gn nht y l dch v cho php ch ti khon kim tra 05 giao dch gn nht ca ti khon bng cch gi tin nhn t in thoi di ng. Dch v t ng thng bo bin ng s d Dch v gip khch hng qun l ti khon ca mnh 24/24. Ti khon s dng: Ti khon tin gi khng k hn Ngn hng t ng thu ph s dng hng thng l 5000VN. Vn Topup Agribank cung cp cc dch v Vn Topup nh np tin in thoi di ng tr trc, np v in t, mua th Game, bn th in thoi tr trc. Dch v np tin in thoi di ng tr trc
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y l dch v gip qu khch hng c nhn thc hin np tin vo thu bao in thoi tr trc (ca chnh khch hng hoc ca ngi khc) t ti khon ca mnh ti Agribank bng cch gi tin nhn SMS t in thoi di ng. Mc ph p dng cho mng VinaPhone v SFone min ph, mng Viettel, MobilePhone, EVN thu 500 VND/1 tin nhn. Min ph ton b cc giao dch ca khch hng. Dch v np v in t Vnmart y l dch v gip khch hng c nhn np tin cho V in t VnMart ( mua hng trc tuyn) t ti khon ti Agribank bng cch gi tin nhn SMS VnMart l m hnh th tr trc ng thng hiu c VNPAY v cc doanh nghip bn hng cng lin kt pht hnh. Th tr trc VnMart c th dng thc hin thanh ton trc tuyn khi mua sm cc loi hng ha trn website ca cc doanh nghip. NH min ph ton b cc giao dch ca khch hng. Dch v mua th Game bng in thoi di ng y l dch v Agribank gip khch hng c nhn mua th Game Online bng cch gi tin nhn t in thoi di ng. Hn mc p dng: Ti a 2 triu ng/ ngy Dch v i l bn th in thoi tr trc Khch hng c nhn c th ng k lm i l bn th in thoi tr trc ca cc mng vin thng di ng bng cch s dng dch v "i l bn th in thoi tr trc" ca Agribank. Dch v ny cho php khch hng c th np tin vo thu bao in thoi tr trc cho ngi khc t ti khon ca mnh ti Agribank mi lc mi ni bng SMS Banking Nhn nh: Vi dch v ny, Banketvn hp tc vi ngn hng v cc cng ty thanh ton, v cc nh mng c th mang li li ch ti a cho ngi tiu dng trong vic dng tin ti cc ti khon ngn hng s dng cc tin ch Atranfer
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Dch v ny gip ngi tiu dng thc hin chuyn khon, t ti khon ca mnh sang ti khon ca khch hng khc cng s dng dch v ti khon ca Agribank, bng SMS Banking Ph p dng: Cng ty vin thng thu ca ngi dng dch v i vi mi tin nhn thnh cng : 1.000 v ngn hng min ph s dng dch v cho khch hng. Nhn nh: u im ca dch v: thc hin mi lc ni ni, tit kim thi gian v chi ph cho ngi dng. Tuy nhin cn hn ch, ch c th chuyn khon cho nhng ti khon trong ni b ngn hng Agribank. BNV hin ang kho st v xut cho phng n chuyn tin lin ngn hng trong thi gian sp ti Apay Bill Dch v thanh ton ha n cc in thoi tr sau Dch v ny p dng cho cc mng vin thng Sphone v Viettel Cng ty vin thng s thu 1.000 VN/ 1 tin nhn.
Ph p dng: Pha vin thng s thu 2.000 VND/1 giao dch. Pha NH: Min ph. Nhn nh: Hin nay BNV hp tc vi cng ty vin thng v mt s ngn hng trong c Agribank thc hin vic thu tin in thoi c nh. Cng thuc phm tr thanh ton ha n, BNV hon ton c th hp tc vi cc bn c th thc hin dch v thu tin thu bao tr sau cho cc thu bao in thoi di ng, ngy cng tng cc tin ch cho ngi tiu dng. Phn tch v nhn nh Agribank l mt ngn hng ln v uy tn trn th trng v ng thi l mt NHTV/ khch hng ln ca Banknetvn. Agribank chim th phn th ln nht (~20,7% th phn), s lng my ATM nhiu nht (17,5% th phn) trn th trng th Vit Nam theo s liu ca Hip hi th. Agribank pht trin ng thi 3 loi th: ghi n ni a, ghi n quc t v tn dng quc t vi nhiu dch v i km a dng v hp dn. c bit, hu ht vi cc dch v gia tng, Agribank u min ph giao dch cho khch hng. Khch hng ch
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phi chu mt khon ph nh t nh cung cp dch v thanh ton. Cc dch v thanh ton ho n v E-Banking rt pht trin nhm mang li li ch ln nht cho khch hng gp phn thc y s m rng th phn th trn th trng. Mt khc, vi nhng uy tn sn c i vi khch hng, Agribank thu ht c lng khch hng rt ln. S lng giao dch qua Banknetvn ca Agribank rt cao c chiu ISS v ACQ, chim khong 30% tng s giao dch qua Banknetvn. iu cho thy Agribank hin l mt trong nhng i tc ln nht ca Banknetvn v BNV cn duy tr v pht trin mi quan h ny ng thi m rng v pht trin cc dch v gia tng phc v li ch ca cc NHTV NGN HNG U T V PHT TRIN VIT NAM (BIDV) Tng quan BIDV c thnh lp ngy 26/5/1957 v l ngn hng thng mi lu i nht ti Vit Nam vi cc lnh vc u t chnh: Ngn hng: BIDV l mt ngn hng c kinh nghim hng u trong vic cung cp Bo him: cung cp cc sn phm Bo him phi nhn th c thit k ph hp Chng khon: cung cp a dng cc dch v mi gii, u t v t vn u t u t ti chnh: gp vn thnh lp doanh nghip u t cc d n, trong y cc sn phm, dch v ngn hng hin i v tin ch. trong tng th cc sn phm trn gi ca BIDV ti khch hng. cng kh nng pht trin nhanh chng h thng cc i l nhn lnh trn ton quc. ni bt l vai tr ch tr iu phi cc d n trng im ca t nc nh: Cng ty C phn cho thu Hng khng (VALC), Cng ty pht trin ng cao tc (BEDC), u t sn bay Quc t Long Thnh Mng li ngn hng ca BIDV bao gm 114 chi nhnh v trn 500 im mng li, hn 6000 ATM/POS ti 63 tnh/thnh ph trn c nc. Mng li phi ngn hng gm cc Cng ty Chng khon u t (BSC), Cng ty Cho thu ti chnh I & II, Cng ty Bo him u t (BIC) vi 20 chi nhnh trong c nc
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II. 1.
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Ngoi ra, BIDV hin din thng mi ti cc nc: Lo, Nga, Sc, Myanmar, Campuchia. Cng vi mng li rng ln, cng ngh tin tin, BIDV to dng c uy tn trn th trng v cung cp cho khch hng nhng sn phm, dch v phong ph vi cht lng cao. 2. 2.1. Sn phm, dch v th v thanh ton Sn phm th
BIDV cung cp nhiu sn phm th a dng v phong ph Th BIDV MoVing u im vt tri Th lin kt ti a 8 ti khon ca khch hng Mu sc, thit k n tng S dng y cc dch v tin ch trn h thng ATM, POS: Np tin in thoi
tr trc qua ATM/SMS, mua m th game qua SMS, np tin v in t VnMart, thanh ton v my bay ha n tin in, in thoi tr sau, thanh ton bo him qua ATM; Thanh ton hng ha dch v qua POS Th BIDV e-Trans eTrans l sn phm th ghi n ni a tch hp a dng tnh nng v tin ch. Ngoi nhng tnh nng v u im ni bt nh th BIDV Moving, BIDV e-Trans c s dng cho cc doanh nghip thc hin dch v tr lng qua th ATM. Th BIBV Harmoney BIDV trin khai sn phm th BIDV Harmony k nim 53 nm thnh lp. B th ghi n cao cp BIDV Harmony c thit k n tng vi nm mu sc tng trng cho nm trng thi Kim Mc Thy Ha Th kt hp vi hnh nh phng hong, linh vt ca Ng hnh to nn v p phong cch ng. u im ni bt Min ph s dng dch v T vn bo him qua s in thoi h tr 24/7 Hn mc giao dch tng ln ti 60.000.000 VND/ngy cao nht ti Vit Nam t
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trc ti nay.
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Min ph 6 thng u dch v tra cu trc tuyn BIDV Directbanking v dch v Th BIDV The Power-Th Quyn nng BIDV Power dnh cho doanh nhn v dch v Home Banking cho cc DN. Theo
Mobile Banking (BSMS)
, th ny ch yu dnh cho cc ch DN thnh t c thu nhp cao v n nh, y chnh l th ATM ni a b sung nhiu chc nng ni tri. u im ni tri c php ng k dch v thu chi s dng trc tip t ti khon lin kt vi C th s dng tin ca ngn hng tiu dng trc, chi tr sau; mc thu chi ti
th ghi n do BIDV pht hnh. -
khon th c th ln ti 30 triu. C th pht hnh s sc mt cch nhanh chng, d dng; sinh li t tin nhn ri; Ch th c bo him trn ton cu bi Cty bo him AIA Th Power ch th c th rt tin mc cao nht l 30 triu. Th Vn Dm qun l cc khon thu chi c nhn chi tiu hiu qu hn.
y l loi th pht hnh dnh cho cc khch hng l gii tr. y cng l mt phng tin thanh ton tin tin, tin dng, th hin s pht trin ca hot ng thanh ton v c bit l vic ng dng khoa hc k thut trong cng ngh ngn hng. Th Vn Dm mang y nhng tin ch nh th Quyn Nng. Th BIDV Flexi Nm trong b sn phm th tn dng quc t mang thng hiu VISA ca BIDV, BIDV Flexi l sn phm dnh cho i tng khch hng tr tui vi thit k c o. u im ni bt an ton cao, phng trnh ri ro th gi do c tch hp cng ngh th t v Hn mc tn dng hp dn, c hng li xut 0% trong vng 45 ngy. Chia s tin ch vi ngi thn thng qua vic pht hnh th ph Sao k in t v SMS banking gip qun l chi tiu thng minh
th Chip. 19
20
Dch v trch n t ng gip khch hng tit kim thi gian v thun tin cho
vic thanh ton Th BIDV Precious an ton cao, phng trnh ri ro th gi do c tch hp cng ngh th t v u im ni bt -
th Chip. Dch v h tr khch hng ton cu (GCAS) ca VISA. H tr y t v du lch ton cu: (khch hng s c cung cp min ph dch v t
vn sc kho, thng tin v du lch, i s qun, phin dch, t gi hi oi, thi tit, tr gip khi tht lc hnh l hoc h chiuhoc cc vn v sc khe, thng tin bnh vin, bc s a phng, trong v ngoi nc.) 2.2. Bo him 24/24 trn phm vi ton cu Dch v Ngn hng in t E-Banking DirectBanking: y l dch v tin ch cung cp cho khch hng nm bt kp thi qua Internet c im ca dch v ny l cung cp thng tin cp nht v tnh trng ti khon
cc thng tin lin quan n ti khon ca mnh m ti BIDV. cng nh bin ng ca tt c cc ti khon m khch hng ang s dng ti ngn hng nh ti khon tin gi thanh ton, ti khon tin gi tit kim, ti khon tin vay. BSMS BSMS l dch v gi nhn tin nhn qua in thoi di ng thng qua s tng i
8149, cho php khch hng c ti khon ti BIDV ch ng vn tin v cc thng tin lin quan n ti khon khch hng BSMS cung cp cc thng tin v ti khon tin gi, tin vay, thng tin v BIDV, ti khon th tn dng, cc ph. Cc dch v thanh ton Dch v nh thu sc quc t: L dch v m BIDV cung cp i vi sc thng
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mi, sc du lch nc ngoi, bng ngoi t do cc Ngn hng hay t chc ti chnh quc t pht hnh cho cc c nhn, t chc c nhu cu.
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Dch v thanh ton ho n dch v Viettel: Khch hng s thng qua cc chi
nhnh ca BIDV tr tin cc s dng dch v vin thng cho Viettel. BIDV thu tin ca khch hng (tin mt, trch n ti khon...) ng thi thc hin gch n cc vin thng trn chng trnh gch n ca Viettel (do Viettel cung cp). Dch v thanh ton ho n tin in EVN: Thanh ton tin in qua ngn hng bng hnh thc tin mt, y nhim chi, y quyn ngn hng trch n ti khon tr tin in, qua ATM. Dch v ny p dng cho c c nhn v Doanh nghip. Thanh ton u nhim chi, u nhim thu trong nc: y l dch v thanh ton U nhim thu trong nc dnh cho khch hng c nhu cu ph hp vi quy nh ca NHNN VN Dch v hi phiu: L dch v m khch hng pht hnh Hi phiu chuyn cho ngi hng nc ngoi thanh ton cho cc mc ch c php theo quy nh qun l ngoi hi ca Vit Nam. Ngoi ra, BIDV cn cung cp cc dch v mua/bn sc du lch, thanh ton sc Phn tch v nhn nh BIDV l mt trong 3 NH ln l c ng ca Banknetvn t ngy u mi thnh lp. BIDV ng thi l mt trong nhng ngn hng c kinh nghim hng u trong vic cung cp cc sn phm, dch v hin i v tin ch. Khng ch trong lnh vc ngn hng, BIDV cn cung cp cc sn phm bo him phi nhn th; dch v mi gii, t vn u t chng khon v u t ti chnh. L mt trong nhng ngn hng hng u vi nn tng khch hng doanh nghip ln nht trong h thng cc T chc tn dng ti Vit Nam bao gm cc tp on, tng cng ty ln; cc doanh nghip va v nh, BIDV l s la chn tin cy ca cc nh ch ln nh World Bank, ADB, JBIC, NIB,hng triu lt khch hng c nhn v ang s dng dch v ca BIDV. Vi nhng u im vt tri, BIDV l s la chn, tn nhim ca cc t chc kinh t, cc doanh nghip v c nhn trong vic tip cn cc dch v ti chnh ngn hng v c cng ng trong nc v quc t bit n v ghi nhn nh l mt trong nhng thng hiu ngn hng ln nht Vit Nam.
trng, cung ng sc, bo chi sc. 2.
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Cc sn phm th ca BIDV a dng v mu m thit k, c phn loi theo tng i tng khch hng vi nhng dch v gia tng phong ph, l li th ca th BIDV trn th trng. Cc dch v thanh ton ca BIDV cng rt a dng v tin ch. Tuy nhin, dch v E-Banking cha pht trin v cha gm nhiu tin ch. Cc dch v DirectBanking v BSMS ch phc v cho vic cung cp thng tin n khch hng. NGN HNG TMCP CNG THNG VIT NAM - VIETINBANK Tng quan c thnh lp t nm 1988, Ngn hng TMCP Cng Thng Vit Nam (VietinBank) l mt ngn hng thng mi ln vi 150 S Giao dch, chi nhnh v trn 900 phng giao dch, qu tit kim tri rng khp ton quc. L mt trong nhng ngn hng u tin ti Vit Nam c cp chng ch ISO 9001:2000, VietinBank cng ng thi l mt ngn hng chu chi trong vic ng dng cng ngh hin i v thng mi in t. Sn phm, dch v th v thanh ton Trong nhng nm qua, VietinBank l mt trong nhng ngn hng dn u th trng v cc sn phm dch v th, chim 30% th phn. Tnh n ht thng 8/2011, Vietinbank pht hnh ra th trng xp x 7 triu th ghi n E-Partner v 200.000 th tn dng quc t Cremium. Mng li chp nhn thanh ton trn 15.000 im1. nh hng pht trin ngn hng bn l c VietinBank th hin r rng qua s a dng cc sn phm th. Phn on th trng kh r rng qua hai dng l th ghi n E-partner, hng ti th trng thanh ton ni a v dng th tn dng quc t cho khch hng c nhu cu thanh ton ti nc ngoi. Cc sn phm th thuc dng E-partner, vi mc ch ch yu l thanh ton trong nc, cng c VietinBank phn loi thnh nhng sn phm khc nhau hng ti nhng nhm khch hng chuyn bit. C th l:
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III. 1.
23
1.1
Sn phm th
1.1.1 Th ghi n ni a u im ni bt: Nhn chung, th ghi n ni a E-Partner ca Vietin c nhng u im ni bt: Vn tin ti khon ATM trc tuyn qua Internet Min ph hu ht cc giao dch qua ATM S dng cc dch v gia tng VnTopup, SMS Banking. Nhn tin kiu hi nc ngoi gi vo ti khon th Gi tin tit kim c k hn trn ATM Np thu, thanh ton ho n in thoi, in lc trc tuyn trn ATM Thanh ton v tu vi cng ty ng st Si Gn, cng ty ng st H Ni Nhn lng, thu nhp t cng ty v cc giao dch chuyn khon khc. Bn cnh th ghi n ni a, VietinBank cng kh thnh cng vi dng thanh ton quc t CREMIUM khi pht hnh th CREMIUM VISA v CREMIUM MASTER Card. Gn y l s ra i ca CREMIUM JCB nhm ti i tng c quan h kinh doanh vi Nht Bn. u im ni bt: Mua hng trc, thanh ton sau - min li ti a 45 ngy Thanh ton hng ho dch v v rt tin mt ti tt c ATM/POS trong v ngoi Giao dch bt k loi tin t no trn th gii Khng cn thanh ton ton b ch cn thanh ton ti thiu 10% s tin d n trn Hnh thc thanh ton a dng: Tin mt/chuyn khon ti h thng ATM/trch n Mua hng tr gp ti cc n v chp nhn th trn ton th gii vi li sut u i
2.1.2 Th tn dng quc t
nc c biu tng Visa.
sao k hng thng t ng t ti khon th ghi n E-Partner VietinBank

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v thi hn tr gp ln n 24 thng.
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Cc dch v gia tng: Hng u i ti cc khch sn, sn golf, spa, bo him du Tham gia thng mi in t, mua sm hng ho dch v, v my bay qua mng
lch ton cu, h tr du lch, th thao gii tr.
internet Nhn nh: Nhn chung cc sn phm th E-partner ca VietinBank n thi im thng 10 nm 2011 vn cha c c nhng dch v khc bit r rng. Tuy nhin, s ch vo a dng ha sn phm cng c th coi l mt du hiu chng t lng th ni a ca VietinBank s cn gia tng trong tng lai. 2.2 Dch v th v thanh ton Dch v gi tr gia tng ca th ATM VietinBank kh phong ph v a dng. Tiu biu l nhng dch v sau. V in t VnMart L sn phm kt hp ca VietinBank vi cng ty C phn Gii php Thanh ton Vi dch v ny, bt k khch hng no l ch th E-Partner ca VietinBank cng
Vit Nam (VnPay). c th ng k s dng v in t VnMart mua sm, chi tiu nhng khon va v nh thng qua internet. Ch th E-Partner c th np tin t ti khon th ATM ca mnh sang V in t VnMart thng qua dch v VnTopup mt cch n gin, nhanh chng sau khi ng k dch v ln u ti quy giao dch hay ti h thng ATM ca Vietinbank trn ton quc. VnTOPUP L dch v cho php ch th E-Partner trch tin t ti khon ATM np tin trc tip vo ti khon in thoi di ng tr trc ca mnh v thanh ton cc cho thu bao tr sau m khng cn dng th co hay m s np tin. Ngoi vic c th t np/thanh ton tin cho thu bao di ng ca chnh mnh, ch
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th E-Partner cn c th s dng dch v VnTopup np/thanh ton tin cho cc thu bao di ng khc ca cc mng vin thng khc nhau.
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Hin nay, VnTopup c p dng cho tt c cc thu bao tr trc ca cc mng
vin thng di ng hin c ti Vit Nam: Vinaphone, Mobifone, Viettel, S-fone, EVNTelecom, Beeline v Vietnammobile. i vi vic thanh ton cc cho thu bao di ng tr sau, hin ti, dch v VnTopup p dng cho cc mng Viettel v Mobifone. V in t MoMo V in t MoMo l sn phm ca cng ty M-Service kt hp vi Vinaphone v cc ngn hng VietinBank, VietcomBank trin khai thc hin. Sn phm ny mang y cc tnh nng ca mt v in t v hin vn ang trong giai on tip tc pht trin. SMS Banking Dch v SMS Banking ca VietinBank c thc hin thng qua tng i 8149 vi u im thi gian tr li tin nhn nhanh, mt t ph giao dch. SMS Banking cung cp cc tin ch: vn tin, giao dch ti chnh (chuyn khon, thanh ton ho n), thng tin t ng Dch v thanh ton trc tuyn Vi dch v ny, ch th E-partner ca VietinBank c th s dng s tin trong ti khon th mua hng hoc tr ph ti cc website thng mi in t c lin kt thanh ton trc tuyn vi VietinBank. Bn cnh , dch v thanh ton trc tuyn vi cc chc nng dnh cho ngi bn s h tr doanh nghip y mnh hot ng bn hng trc tuyn v rt ngn quy trnh thanh ton, giao nhn hng ha nh qun l n hng, tch hp website bn hng, qun tr cc phng thc vn chuyn 2. Phn tch v nhn nh Nhn chung, cc sn phm th ca Vietin Bank a dng v mu m thit k v th loi, tp trung vo nhng nhm khch hng khc nhau i km vi cc tin ch phong ph v hp dn. C th nhn thy a phn th VietinBank k c dng ghi n ni a ln dng thanh ton quc t hin vn s dng di t. Theo nhn nh ca mt s khch hng thng xuyn s dng th th iu ny khin h c cm gic km an ton hn dng th s dng c chip v di t (SMART Card).
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Cy ATM VietinBank ang s dng ca hng NCR a phn l cy ATM thng thng, khng s dng mn hnh cm ng, khng thc hin c giao dch gi tin trc tip ti cy ATM. Cc thit b POS hin ti ngn hng ny cung cp cho khch hng l nhng thit b tiu chun. Nhn chung cng ngh th c VietinBank s dng mang tnh c bn, d tng thch vi cc ngn hng khc. Vietin Bank cung l mt trong nhng ngn hng c s u t mnh vo cng ngh v thng mi in t nhm cung cp cho khch hng nhng dch v v tin ch ti u. Nhn chung, VietinBank l mt trong nhng ngn hng ng vai tr ch o trong hot ng ti chnh ngn hng trn th trng. Vi nh hng pht trin mnh m v chnh sch u t vo lnh vc th thanh ton nh hin ti, c th tin tng rng th phn th ca ngn hng ny s gia tng trong tng lai.
IV. 1.
NGN HNG TMCP CHU (ACB) Tng quan ACB chnh thc i vo hot ng ngy 04/06/1993. Ngay t ngy u hot ng,
ACB xc nh tm nhn l tr thnh ngn hng thng mi c phn bn l hng u Vit Nam. Tnh n cui nm 2010, vn iu l ca ACB l hn 9 nghn t ng vi c ng gp vn nc ngoi. ACB l thnh vin ca t chc th quc t: Visa, Master Card, SWIFT. ng thi l ngn hng th 10 tham gia h thng chuyn mch Banknetvn. Ngn hng ACB cng l mt trong nhng c ng sang lp ca Smartlink v kt ni trc tip vi Smartlink. Trong nc, ACB ng u bng xp hng tin nhim cc ngn hng Vit Nam do Cng ty TNHH Thng tin tn nhim v xp hng doanh nghip Vit Nam (Vietnam Credit xp hng). Tuy nhin, i vi t chc xp hng tn nhim Fitch, ACB b h mc tn nhim t mc D (ngn hng c nhiu im yu, do nguyn nhn bn trong hoc bn ngoi) xung D/E (tim cn mc nh gi dnh cho cc ngn hng c vn nghim trng, cn n s tr gip t bn ngoi).
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2. 2.1
Sn phm, dch v th v thanh ton Sn phm th Ngn hng ACB c cc sn phm th rt pht trin vi nhiu loi a dng. Hin ti c
hai loi th ghi n ni a ca ACB c chp nhn qua h thng Banknetvn l: th ghi n ni a ACB2GO v th ghi n ni a ACB 365 Styles. Cc sn phm th tn dng v th ghi n quc t u mang thng hiu ca t chc th quc t Visa/MasterCard. 2.1.1 Th ghi n ni a Th ghi n ni a 365 Styles v ACB 2GO vi logo Banknetvn. u im ni bt 2 loi th ny c s dng giao dch ti cc my ATM v cc n v chp Vi th 365 Styles, ln u tin khch hng c tng bo him khi rt tin ti cc
nhn th c logo Banknetvn, Smartlink v VNBC trn ton quc.
my ATM. Ch th c th la chn s dng th 365 Styles (c thu ph) vi dch v bo him 365 Styles l th u tin ca ACB vi nhiu mu m v mu sc c nhiu la S dng cc dch v gia tng: thanh ton mua hng ha, dch v qua mng ti cc
rt tin ti ATM hoc s dng th ACB2GO min ph v khng bo him. chn khi ng k. website thuc cc n v chp nhn th c kt ni vi h thng thanh ton trc tuyn ca ACB v i tc ca ACB, cc dch v: ACB Online, Mobile Banking, CallCenter 247 Th ghi n ni a ACB Visa Domestic (ATM2+) u im ni bt ATM2+ vi logo Visa c th nn c th s dng ti cc my ATM mang thng
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hiu Visa. T chc th Visa International chim th phn ln trn th trng th, tv vy phm vi giao dch ca loi th ny l rt rng. Tnh nng an ton ca th cao Thi gian x l giao dch mnh
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Hn ch: Loi th ny khng i km vi cc dch v gia tng no khc. Mt khc, mc ph giao dch ca ATM2+ cao hn so vi 365 Styles v ACB2GO. 2.1.2 Th ghi n quc t. Cc loi th ghi n quc t, th ghi n quc t Visa Extra Debit , th ghi n quc t Master Card Debit v th ghi n quc t ACB Visa Debit u c u im chung l: tr 2.1.3 Th tr trc. Cc loi th tr trc ca ACB bao gm 3 loi: 247. Dch v gia tng: Dch v bo him dnh cho ch th tr trc quc t. Visa Extra Prepaid, Visa Prepaid/ Master Card Dynamic, ACB Visa Electron/ MasterCard Electronic c tng bo him khi rt tin trn cc my ATM trn ton th gii. C th rt tin trn cc my ATM c logo Visa/Master Card trn ton th gii i km vi nhiu dch v gia tng: gim gi i vi dch v du lch, mua sm, gii
u im ni bt: Thanh ton thun tin qua mng Internet Thanh ton cc ha n tin in, nc, in thoi, di ng, ph bo him, truyn
hnh cp...hoc chuyn khon thng qua CallCenter 247 ca ACB. C th np tin thng qua h thng Home Banking, Mobile Banking, Call Centre
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2.2.4 Th tn dng Bao gm 2 loi: ACB Visa Platium v ACB Visa/ MasterCard. c im ni bt ACB Visa Platium ACB Visa/ MasterCard. c cung cp 7 loi dch v bo C th t hng qua in thoi hoc Tng min ph 9 loi bo him: bh Dch v h tr ton cu: du lch, th Bng tng kt giao dch th hng
tai nn du lch ton cu, hon chuyn bay him thao gii tr. nm qun l v hoch nh chi tiu.
thanh ton qua internet Thc hin giao dch bng bt c loi
tin no trn th gii v thanh ton li cho ACB bng VND
2.3. -
Dch v th v thanh ton Dch v chp nhn thanh ton th Chuyn khon ATM: trong , cc loi th p dng chuyn khon l ACB Debit
Card v 365 Styles. Dch v ny c cung cp min ph. Dch v chp nhn th: Trong , ACB s min ph ph lp t my chp nhn th ti cc im kinh doanh. Ngoi ra, dch v ACB Online gip ch th ch ng qun l giao dch thanh ton i vi ti khon thanh ton ca mnh v thc hin chuyn khon trong v ngoi h thng linh hot. Mobile Banking Mobile Banking l mt phng tin mi phn phi sn phm dch v ca Ngn
hng Chu (ACB), cho php khch hng thc hin thanh ton ha n m khng cn phi n Ngn hng. Kim tra s d v lit k giao dch ti khon tin gi thanh ton (hoc th). Bit thng tin v li sut, t gi hi o. Thanh ton ha n tin in, nc, in thoi, truyn hnh cp, bo him
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Trch tin t ti khon tin gi thanh ton sang th (Visa Electron, Master
Electronic, Citimart) v.v.... CallCentre 247 Trung tm dch v khch hng qua in thoi cung cp cho khch hng cc dch v a dng nh: T vn cc sn phm, dch v ca ACB Tip nhn ng k vay v cung cp kt qu xt duyt h s ng k lm th Tip nhn v gii quyt khiu ni ca khch hng Thanh ton ho n dch v Chuyn tin ACB Online ACB Online l dch v gip khch hng c tin gi thanh ton VN ti ACB ACB Online cung cp cho khch hng cc gi dch v v phng thc bo mt Nhn nh, nh gi. T khi ra nhp th trng ti chnh n nay, ngn hng ACB t c nhiu thnh cng nht nh, trong c cc gii thng bng khen cho uy tn, cht lng phc v. Hin nay, ACB ang tng bc tr thnh ngn hng thng mi c phn bn l hng u Vit Nam. Vi li th l mt trong nhng ngn hng ln Vit Nam v ng u v xp hng tn nhim cc ngn hng Vit Nam, ACB c li th ln trong cuc ua chim lnh th trng v tng bc pht trin. nh hng mc tiu ca ACB l hng ti th trng bn l nn ACB ch trng hng ti vic pht trin cc dch v phc v khch hng c nhn bng vic pht trin tnh a dng ca cc sn phm th nh th tn dng, th ghi n v th tr trc. Mt khc, ACB kt ni thnh cng vi Banknetvn, Smartlink v VNBC v vy th ca ngn hng ACB c chp nhn trn phm vi rng trn ton quc. Nhn chung, cc loi th ca ACB u c nhiu u im ni tri nh mng li giao dch
giao dch vi ACB mi lc mi ni thng qua Internet ring. 3.
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rng khp i km vi cc dch v nh bo him, gim gi cc dch v mua sm, du lch, thanh ton thun tin qua mng Internet hoc h thng Call Centre, Home Banking v Mobile Banking. Bn cnh s a dng v pht trin dch v th, ACB cung cp cc dch v chp nhn thanh ton th. Nhng nhn chung dch v th ca ACB c hn ch l th tc cp th i hi nhiu h s v giy t xc nhn. NGN HNG TMCP SI GN CNG THNG (SCB) Tng quan L Ngn hng thng mi c phn Vit Nam u tin c thnh lp trong h thng Ngn Hng C Phn ti Vit Nam hin nay, ra i ngy 16 thng 10 nm 1987, trc khi c Lut Cng Ty v Php lnh Ngn Hng vi vn iu l ban u l 650 triu ng v thi gian hat ng l 50 nm. L c ng sng lp, cng l ngn hng nm trong lin minh th ca h thng Banknetvn.
V. 1.
2. 2.1
Sn phm, dch v th v thanh ton Sn phm th Th a nng Saigonbank Card Thanh ton ho n trn cc tin ch ATM: in, Nc. in thoi. Truyn hnh Kt qu giao dch c thng bo trc tip n khch hng qua SMS Banking Hon ton min ph
u im ni bt
cp, Internet, Truyn hnh Internet, Truyn hnh KTS, Bo him..
Saigonbank mi ch cung cp 1 loi th l th a nng Saigonbank Card vi nhng tin ch cha phong ph v a dng. Sagonbank l mt ngn hng nh, cc sn phm, dch v th thiu a dng v hp dn. 2.2 Dch v th v thanh ton Internet Banking Dch v truy vn: Truy vn thng tin tin gi, khn vay, th tn dng.
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Cc dch v cung cp qua Internet Banking gm c -
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3.
Dch v ti khon: Yu cu m ti khon tin gi, pht hnh/phong to sc Dch v chuyn tin: Chuyn tin trong nc v quc t Dch v tin vay: Tr n khon vay Dch v ti tr thng mi Dch v gia tng: Cnh bo s d ti thiu trn ti khon, thng tin c nhn ngi
dng. SMS Banking
Cc dch v cung cp qua SMS Banking Nhn tin ghi c Dch v tra cu s d Nhn tin ghi n vi s pht sinh t 100.000 ng Dch v thanh ton ha n Dch v chuyn khon Thng bo t gi v li sut tin gi Thng bo cc chng trnh khuyn mi. Phn tch v nhn nh
Ngn hng TMCP Si Gn Cng Thng l mt Ngn hng nh, cc sn phm dch v th cn thiu s a dng v hp dn, cc tin ch i km cng cha phong ph. Mt khc, mng li ATM ca Saigonbank cha nhiu, s lng my ATM ti H Ni bao gm 8 my. Cc dch v thanh ton, dch v gia tng i km cha pht trin, hin ch gm dch v thanh ton ha n. Trong thi gian ti, vi mc tiu tr thnh mt trong nhng Ngn hng TMCP ln mnh hng u trong h thng NH TMCP v s cnh tranh mnh m trong h thng cc Ngn hng, Saigonbank s phi lin tc i mi hot ng: cung ng thm nhiu sn phm dch v, thay i phong cch phc v, u i cc khch hng giao dch thng xuyn, m rng mng li hot ng, hng ti phc v khch hng bng nhng sn phm dch v Ngn hng hin i vi cht lng tt nht da trn nn tng cng ngh NH tin tin
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VI. 1.
NH PHT TRIN NH NG BNG SNG CU LONG (MHB) Tng quan
Ngn hng pht trin nh ng bng sng Cu Long (MHB) c thnh lp ngy 18 thng 9 nm 1997, di hnh thc Ngn hng thng mi nh nc, c xp hng doanh nghip nh nc hng c bit. So vi cc ngn hng thng mi nh nc khc, MHB l ngn hng tr nht, nhng li c tc pht trin nhanh nht. Sau gn 14 nm hot ng, tnh n 31/12/2010, tng ti sn ca MHB, t gn 51.400 t ng (tng ng 2,5 t USD), tng gp 171 ln so vi ngy u thnh lp. V pht trin mng li, MHB c gn 220 chi nhnh v cc phng giao dch tri rng trn 32 tnh thnh ln trn khp c nc, ng th 7 trong cc ngn hng Vit Nam. V quan h i tc, MHB duy tr v pht trin mi quan h i l vi khong 300 ngn hng nc ngoi ti hn 50 quc gia trn th gii. 2. 2.1 2.2 Sn phm, dch v th v thanh ton Sn phm th Th MHB e-Cash Rt tin mt ti tt c cc ATM trn ton quc. Chuyn khon gia cc ti khon th ti ATM. Dch v tin ch: Internet Banking, SMS Banking. Ch th c chi tr bo him khi: mt th hoc gp s c khng mong mun. Li sut : Hng li sut hp dn 6%/nm Th c gia hn t ng khi ht hn hiu lc. Np tin vo ti khon th ti my ATM Thu chi trn ti khon th Nhn lng qua th Dch v th v thanh ton Chuyn khon t ti khon th sang ti khon tin gi c k hn ti ATM
u im ni bt:
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Np tin vo thu bao di ng tr trc ti ATM: p dng cho cc mng Thanh ton ha n tr sau ti ATM: S tin giao dch l khng gii hn Thanh ton ha n tin in SMS Banking: Tra cu t gi ngoi t, li sut tin gi, li sut tit kim, biu ph Dch v ang trin khai: Np tin cho v in t, thanh ton mua hng trc tuyn Phn tch v nhn nh
Mobiphone v Vietel. S tin giao dch c th ln ti 30 triu ng/ngy.
dch v.
trn mng, dch v Internet Banking 3. Ngn hng Pht trin Nh ng Bng Sng Cu Long l mt trong nhng ngn hng tr nhng c tc pht trin nhanh, mng li rng. Ngoi ra, MHB cn tp trung hin i ha ngn hng trong vic b sung cc cng ngh hin i nhm h tr cc giao dch in t cho cc my ATM, POS, giao dch ngn hng qua Internet, cc dch v v sn phm ngn hng bn l khc. V th trng th, MHB a ra th trng duy nht sn phm th MHB e-cash nhng i km vi nhiu dch v gia tng hp dn nh thanh ton ha n, SMS Banking, Internet Banking..Hin MHB ang trong qu trnh trin khai thm nhiu dch v th v thanh ton c ng dng cng ngh hin i.
VII. 1.
NGN HNG TMCP NH H NI (HBB)
Tng quan
Habubank l ngn hng thng mi c phn u tin Vit Nam c thnh lp t nm 1989 vi mc tiu ban u l hot ng tn dng v dch v trong lnh vc pht trin nh. Tin thn ca Habubank l Ngn hng u t v Pht trin Vit Nam kt hp vi cc c ng bao gm U ban Nhn dn Thnh ph H Ni v mt s doanh nghip quc doanh hot ng trong lnh vc xy dng, qun l nh v du lch. Vi s vn iu l ban u l 5 t ng, Habubank c php kinh doanh cc sn phm v dch v ngn hng trong 99 nm. Ti nay, qua hn 20 nm hot ng, Habubank c s vn iu l l 3.000 t ng vi mng li ngy cng m rng,10 nm lin tc c Ngn hng Nh nc Vit
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Nam xp loi A v c cng nhn l ngn hng pht trin ton din vi hot ng n nh, an ton v hiu qu. Habubank lun gi vng nim tin ca khch hng bng cht lng sn phm dch v v phong cch nhit tnh, chuyn nghip ca tt c nhn vin. 2. Sn phm, dch v th v thanh ton Gia nhp th trng th t nm 2005, Habubank hin pht hnh th debit ni a vi thng hiu Habubank Vantage. Habubank v ang tip tc ci tin v m rng nhiu tin ch cho th nhm p ng nhu cu v phc v khch hng ngy mt tt hn. H thng th ca Habubank kt ni vi h thng ca VNBC, Banknetvn v Smartlink, cho php khch hng giao dch ti hn 10.000 my ATM trn ton quc. Habubank c cng nhn l thnh vin chnh thc ca t chc th VISA v ang trong giai on trin khai c th pht hnh v chp nhn th VISA quc t trong nm 2011. Th ngn hng l mt phng tin thanh ton tin tin, tin dng, th hin s pht trin ca hot ng thanh ton v c bit l vic ng dng khoa hc k thut trong cng ngh ngn hng. Chnh thc tham gia vo th trng th ngn hng t nm 2005 vi mc tiu p ng a dng nhu cu khch hng, sn sng hi nhp vi nn ti chnh khu vc v th gii, Habubank ch ng mang n cho khch hng sn phm v dch v th cht lng cao. Habubank kt ni vi h thng ca Banknetvn v VNBC, kt ni vi h thng ca Smartlink thng qua Banknetvn. Th Habubank Vantage Rt tin mt nhanh chng, tin li. Chuyn khon ni mng min ph. Thanh ton hng ha, dch v ti nhiu n v chp nhn th. Mua th co in thoi Vinaphone v Mobilfone trn ATM. Kim tra s d v sao k ti khon tin gi. Th Habubank The Moment Chuyn khon cho cc ti khon ca Habubank trn tt c cc my ATM ca Gi tin qua phong b ti cc my ATM ca Habubank c chc nng ny;
Habubank pht hnh chic th Habubank Vantage vi y cc tin ch nh:
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Habubank v cc my ATM trong h thng lin kt;
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Mua th co in thoi; S dng dch v thu chi khi c nhu cu v p ng c cc iu kin cn v ; Thanh ton ha n ca mt s loi hnh dch v qua my ATM/POS khi ng k Thanh ton hng ha, dch v trn ti cc im chp nhn th trn ton quc thng Phn tch v nhn nh Trong lnh vc th thanh ton Habubank mi gia nhp th trng v danh mc th
s dng dch v vi Habubank; qua h thng POS ca Ngn hng Habubank. 3.
cn t (2 loi th) chc nng th cha c nhiu vt tri v khc bit so vi cc ngn hng khc. Habubank ha mng (ti chnh) vi c 3 i tc l banknetvn, Smartlink v VNBC gip cho din s dng tri khp v tng tnh tin dng ca ch th. V i tc lin kt quc t, Habubank mi ch c hp tc vi VISA Inc..trong nm 2001 do vy tm kt ni quc t l cha cao so vi cc ngn hng khc. Habubank cng c li th vn c ca 1 ngn hng ln (vn iu l 4000 t VN) v c b dy kinh nghim lu nm trong lnh vc ti chnh ngn hng do Habubank c li th v gi liu v quan h khch hng cng nh cc i tc v nh cung cp. y l 1 li th khi Habubank trin khai cc dch v th mi trong tng lai gn. Habubank cng quan tm n nhu cu khch hng khi cho php khch hng ty bin nh th theo yu cu, y l 1 iu kh th v i vi th ca Habubank. Tuy nhin, theo nh gi trc quan, vic kinh doanh th thanh ton cha phi l lnh vc kinh doanh ct li (core business) ca HBB do vy mc u tin cho mng dch v ny HBB mc va phi.
VIII. NGN HNG TMCP AN BNH (ABB) 1. Tng quan

36
Ngn hng TMCP An Bnh (ABBANK) c thnh lp t nm 1993, sau hn 18 nm hot ng v pht trin, ABBANK hin l mt trong nhng ngn hng TMCP hng u ti Vit Nam vi vn iu l trn 3.830 t ng. Cng vi mng li hn 125 im giao dch v cn tip tc c m rng, ABBANK tr thnh mt a ch uy tn v thn
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thuc vi hn 10.000 khch hng doanh nghip v trn 100.000 khch hng c nhn ti 29 tnh thnh trn c nc. Vi s h tr t c ng chin lc trong nc l Tp on in lc Vit Nam (EVN), cng s chia s kinh nghim v m hnh qun l chuyn nghip ca i tc chin lc nc ngoi Maybank ngn hng ln nht Malaysia, T chc ti chnh quc t - IFC, v cc i tc ln khc nh Tng cng ty bu chnh Vit Nam (VNPost), Tng cng ty Vin thng Qun i Viettel, Prudential, ABBANK ang tin gn hn n mc tiu tr thnh mt ngn hng bn l thn thin, hot ng vi m hnh Siu th ti chnh, qua khch hng c th d dng chn c nhng sn phm dch v ph hp nht vi k hoch ti chnh ca mnh. ABBank l c ng sng lp Smartlink, l mt trong nhng lin minh ngn hng Smartlink v ng thi l 1 trong 17 ngn hng thnh vin ca Banknetvn.
2. 2.1 -
Sn phm th, dch v v thanh ton Sn phm th Th ghi n ni a: YOUCARD ABBANK Vi th ghi n ni a Youcard, ngoi cc tnh nng thng thng nh rt tin,
vn tin s d, mua sm hng ha.khch hng c th chuyn khon cng h thng ngn hng min ph, thanh ton cc ha n . S dng dch v SMS Banking - Thng bo s d t ng khi c bt k giao dch S dng dch v Internet Banking - Ch ng tra cu s d v sao k giao dch ti ca ti khon thanh ton nh hoc c quan Th ghi n Quc t: YOUCARD ABBANK VISA DEBIT Th ra i nhm khc phc nhc im ca th ghi n ni a l khng th rt tin c ng tin mt ti cc bt k cc ngn hng ngoi lnh th Vit Nam Mua hng, t tour du lch trong v ngoi nc hoc mua v my bay trn mng
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ti nc ngoi -
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Mua sm ti cc ca hiu thi trang, nh hng & thanh ton ho n ti siu th
trong v ngoi nc Vi dng th ny ch th c th thanh ton hng ha ti cc POS chp nhn th
Visa trn ton th gii. Th tn dng Quc t ABBANK VISA y l th mi nht ca An Bnh Bank ra i vo 27/9/2011. Vi sn phm ny khch hng c th mua sm, rt tin ti mi ni chp nhn th Ngoi ra iu c bit hn cc th khc l ch th cn c th m thm 2 th ph
Visa trn ton th gii. cho ngi thn tin nhu cu mua sm chi tiu. Dch v th v thanh ton Dch v np tin v thanh ton ha n vin thng qua SMS v ATM Thanh ton cc di ng tr trc: Vinaphone, Mobifone, Viettel, S-Fone, Thanh ton cc vin thng tr sau: Mobifone, S-Fone, Viettel Dch v thanh ton tin in qua bu cc VNPOST ABBank phi hp vi EVN v cc bu cc VNPOST cung cp gii php thanh
Vietnamobile, EVNTelecome, Beeline -
ton tin in nhanh chng ti cc im giao dch ca VNPOST vi mng li thanh ton rng khp ca cc bu cc VNPOST 3. Dch v thu h tin in Dch v thu cc Viettel Dch v ngn hng in t Online Banking Dch v truy vn thng tin qua SMS Banking Phn tch v nhn nh
Ngn hng TMCP An Bnh cung cp c 3 loi th: ghi n ni a, quc t v th tn dng quc t vi y cc tin ch v dch v gia tng nh dch v thanh ton, SMS Banking, Internet Banking. Tuy nhin, cc sn phm th ATM ABB cha thc s ni bt v mnh nh cc NH khc.
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Hin ti ABBANK bt u y mnh pht hnh sn phm th tn dng quc t ABBANK VISA, lp t thm mi nhiu my POS ti TP.HCM. ABBANK cng hp tc lin kt vi Paynet n v ny tn dng li th v i tc c ng ca ABBANK l tp on in lc, qua bc u tham gia th trng thanh ton trc tuyn vi thanh ton ha n tin in, thu h tin in nc, np tin qua Topup. NGN HNG TMCP I DNG (OCEANBANK) Oceanbank thnh lp nm 1993 v chuyn i m hnh hot ng t nm 2007, OceanBank ngy cng khng nh c v th ca mnh trn th trng ti chnh ngn hng cng nh tng bc pht trin trn th trng ti chnh. T mt ngn hng vi vn iu l 300 triu ng, nm 2011, OceanBank c vn iu l ln 5000 t ng. i tc: OceanBank k kt hp tc vi nhiu i tc nh: Vietcombank, BIDV, Tng cng ty CP Ti chnh Du kh Vit Nam, Cng ty CP Ti chnh ng thy Vit Nam, Banknetvn, SWIFT, Tng Cng ty ng St Vit Nam, Tng Cng ty Hng Hi Vit Nam Trong , c ng chin lc, i tc chin lc ca Oceanbank l Tp on Du kh Quc gia Vit Nam. nh hng n nm 2013, OceanBank s tr thnh mt ngn hng a nng, hin i c tm vc tng xng vi mt ngn hng TMCP ln trong nc, c nng lc ti chnh, mng li khch hng, h thng chi nhnh, ngun nhn lc v cng ngh mnh to iu kin cho vic chuyn hng thnh mt ngn hng hng u trong giai on 2013-2020. Sn phm, dch v th v thanh ton Nm 2008, Oceanbank gia nhp lin minh th Banknetvn m cng kt ni vi cc ngn hng khc. Oceanbank cng lin thng qua h thng Smartlink v VNBC thng qua Banknetvn. Th Oceanbank
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IX. 1.
Tng quan
2.
Th ghi n ni a
Th ghi n quc t
Th ng thng hiu Oceanbank | Bui oil Copyright Protection 2012 - PV Gia Tuan
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2.1
Th ghi n ni a Oceanbank u im ni tri: Th ghi n ni a Oceanbank cho php rt tin ti mng li ATM rng khp c
nc ti cc ATM thuc H thng Banknetvn, Smartlink v VNBC. Tin ch thu chi ti khon vi thi hn thu chi: 12 thng v p dng theo chnh c u i, gim gi ti cc chui nh hng, khch sn, Spa, Resort c lin kt Tin ch s dng ti khon thng minh kt ni ti khon tit kim vi ti Th ghi n ni a Ocean Bank c 4 hng th: Hng chun, hng bc, hng vng, hng Vip vi cc tin ch khc nhau v ph hp vi cc i tng khch hng khc nhau nh hc sinh, sinh vin, nhn vin vn phng, cn b, nhn vin cao cp... Cc dch v gia tng i km rt phong ph nh: Internet Banking, Mobile Banking, Phone Bankingu i tng qu, gim gi khi mua sm hng ha dch v ti cc siu th, nh hng. 2.2 Th ghi n quc t Th ghi n quc t c pht hnh da trn ti khon c nhn ca khch hng m ti OceanBank, c s dng thc hin mt s giao dch ti ATM hay thanh ton ti cc n v chp nhn th c biu tng VISA trong v ngoi lnh th Vit Nam. S dng loi th ny khch hng c nhng tin ch hn so vi th ghi n ni a nh: Thanh ton hng ha, dch v ti cc im chp nhn th c biu tng Visa min ph (gm hn 1 triu my ATM ti Vit Nam v cc quc gia khc) Thanh ton hng ha, dch v trn Internet; Kt ni ton cu mi lc, mi ni vi ti khon tin gi m ti OceanBank; u t cc khon tin nhn ri sang ti khon tit kim vi li sut cao vi dch v
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sch li sut ca OceanBank trong tng thi k.
vi OceanBank.
khon th.
Auto-Saving; c gim gi hng mua trn knh TVShopping;
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Th ghi n quc t cng c chia ra thnh nhiu hng ph hp vi tng loi i tng khch hng khc nhau nh cn b, nhn vin, qun l, cp cao vi cc dch v i km: InternetBanking; MobileBanking, PhoneBanking 2.3 Th ng thng hiu OceanBank PV oil u im ni tri Thc hin a dng cc giao dch trn POS nh: nh danh th, kch hot v np tin vo th, mua xng du, vn tin im thng, chuyn, i im thng, chuyn khon.; 3. Phm vi s dng rng khp: Ti cc im chp nhn th, cc cy xng c biu Phng thc np tin phong ph: Np bng tin mt hoc chuyn khon t th ghi tng OceanBank trn ton quc; n hoc th tr trc; Qun l chi tiu ca chnh ch th hoc cc li xe. Nhn nh v nh gi OceanBank hot ng v pht trin vi mc tiu tr thnh ngn hng hng u Vit Nam nhng vi tim lc v dch v hin c, OceanBank vn l ngn hng thuc loi nh v va. Cc dch v ca OceanBank cha a dng v phong ph. Hot ng kinh doanh th ca OceanBank khng mnh nh ACB v hn ch v th loi. Mc d vy, th OceanBank c phn chia thnh cc hng th khc nhau ph hp vi tng nhm i tng ring, y l mt u im cho th OceanBank. ng thi, OceanBank pht trin nhiu dch v gia tng i km InternetBanking; MobileBanking, PhoneBanking to iu kin thanh ton cho khch hng. Dch v ngn hng in t ng thi l mt trong nhng bc t ph v ng dng cng ngh ca OceanBank.. OceanBank hin cung cp min ph dch v th nhm thu ht khch hng v m rng th trng th. Bn cnh , th ng thng hiu OceanBank PV Oil cng l mt li th thu ht khch hng, nng cao tin ch cho ch th. Vi vic xc nh Tp on du kh Vit Nam l c ng chin lc, OceanBank c th ang nh hng pht trin th ng thng hiu OceanBank PV Oil
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hn cc loi th khc. Nhng nhn chung, cc sn phm th ca OceanBank cha a dng v phong ph. NGN HNG TMCP NG NAM (SEABANK) Tng quan
X. 1.
Ngn hng TMCP ng Nam (SeABank) c thnh lp t nm 1994, SeABank l mt trong nhng ngn hng TMCP ra i sm nht v hin ti nm trong Top 10 ngn hng TMCP ln nht Vit Nam. Hin ti SeABank c vn iu l 5.335 t ng, l mt trong 07 ngn hng TMCP c vn iu l ln nht Vit Nam, trong i tc chin lc nc ngoi Societe Generale s hu 20% c phn. Hin ti SeABank pht hnh c gn 87.900 th ATM gm cc loi th ghi n ni a S24+, S24++, th sinh vin, th lin kt, th quc t MasterCard v c 137 my ATM trn ton quc. Th ATM ca SeABank c th giao dch ti hn 10.000 my ATM, 36.451 my POS ca SeABank v cc ngn hng trong lin minh th Banknetvn & SmartLink, VNBC trn phm vi ton quc. c bit vi t cch l thnh vin chnh thc ca 2 t chc th ln nht th gii l MasterCard v Visa Card, nm 2010 SeABank cng chnh thc pht hnh th ghi n quc t EMV MasterCard, Th ghi n quc t tr sau EMV MasterCard s dng cng ngh th chip EMV c tiu chun bo mt cao nht m hin ti Vit Nam ni ring v khu vc Chu ni chung hu nh cha c ngn hng no p dng. Th quc t SeABank MasterCard c th c giao dch ti 24 triu POS v 1 triu ATM trn ton th gii vi y cc tnh nng: rt tin, thanh ton hng ha dch v, chuyn khon, truy vn s d, i pin, in sao k Bn cnh SeABank cng chun b pht hnh th quc t Visa Card vo cui Qu I/2011 nhm p ng tt hn nhu cu s dng th quc t ca khch hng. Sn phm v dch v th
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2.
Trong chin lc pht trin ngn hng bn l, SeABank s tp trung c bit vo khch hng c nhn (bt u bng th trng i chng v th trng trung lu, sau s tin ti th trng cao cp), nhng vn pht trin i tng doanh nghip va v nh v mt s
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doanh nghip ln. Cc sn phm dch v ca SeABank c thit k a dng ph hp vi nhu cu v nng lc ti chnh ca tng i tng v phn khc khch hng khc nhau. Danh mc sn phm Th ghi n ni a ca SeABank Th ghi n ni a S24+ - p ng nhu cu Rt/ng tin mt min ph 24/7 ti mng li ATM chim 96% tng s ATM ti i mt khu c nhn Mua hng, thanh ton ha n ti cc n v chp nhn th ca SeABank Chuyn khon cho cc ton khon khc trong cng h thng SeABank Nhn chuyn lng qua ti khon Th ghi n ni a S24++ - Nng cao tin ch Chia s gi family cng ngi thn vi mc ph u i T quyt nh cho hn mc s dng cho th family Chng trnh tng ph Bo him trch nhim dn s ch xe c gii nm u s Th tr trc Lin kt SeABank Pico Plaza Vi mi gi tr ha n thanh ton bng th ti Pico Plaza t t 2.500.000 VND Khi tng gi tr ha n thanh ton ca khch t ti 25.000.000VN, Qu khch Khi tng gi tr ha n thanh ton ca khch ln ti 50.000.000VN, Qu khch Hng th cng cao ch th cng c hng nhiu nhng u i c bit t
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Vit Nam.
dng th.
Tin ch nng cao tr ln, khch hng s c gim gi 1% trn ton b n hng.
c th nng hng th t th Membership ln th Gold. s c nng hng th ln th Diamond. SeABank v Pico Plaza v khuyn mi; chm sc v bo hnh, bo tr hng ha. Th quc t SeABank Visa Card v SeABank MasterCard Cc th lin kt pht hnh ny, ngoi nhng tin ch c bn, ch th cn c th s dng th c chp nhn trong mng li ca Visa v Mastercard. Nhng th ny ch
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yu nhm vo phn khc khch hng cao cp, hay i cng tc hoc du lch nc ngoi, cc ch th thng c nhiu khuyn mi gim gi cc dch v cao cp khc nh chi golf, mua hng, cng ngh th EVM bo mt cao, c t chn nh th 3. Phn tch, nhn nh SeAbank l 1 trong 10 ngn hng hng u Vit Nam, vi tim lc mnh v cht lng dch v tt. Mng ngn hng bn l vi a dng cc i tng khch hng rt c Seabank ch trng pht trin t lu. Do vy, trong lnh vc th thanh ton, SeAbank c nh gi l kh thnh cng. Cy ATM/POS ca Seabank c thit k theo chun chung, kh sc nt v ni bt (c th nhn thy ngay t xa) iu ny gp phn vo tm nhn din thng hiu ca Seabank v cng l 1 im ni bt ca nh v thng hiu. Seabank c chin lc pht trin kh sm 3 sn phm: th ghi n ni a, th thanh ton quc t, EDC v lin kt pht hnh th vi cc siu th, trung tm mua sm ln. nh gi cho thy, cc dch v th thanh ton ca Seabank kh a dng, nng ng v c nhiu u i khc bit ng k so vi dch v cnh tranh ca ngn hng khc. NGN HNG TMCP XNG DU PETROLIMEX (PGBank) Tng quan
XI. 1.
Ngn hng Thng mi C phn Xng du Petrolimex (gi tt l PG Bank) tin thn l Ngn hng TMCP Nng thn ng Thp. Thc hin phng n ti cu trc c cu hot ng ngn hng, thng 7/ 2005, Ngn hng ng Thp Mi mi thm cc c ng mi tham gia, tng vn iu l ln 90 t ng, trong c cc c ng ln c tim lc ti chnh v kinh nghim trong lnh vc ti chnh ngn hng nh Tng Cng ty Xng du Vit Nam (PETROLIMEX), Cng ty C phn Chng khon Si Gn (SSI). Sn phm, Dch v th Flexicard: a tnh nng, tin ch vt tri l phng tin thanh ton khng dng
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2.
tin mt - a nng, a tin ch, u vit trong thanh ton xng du ln u tin xut hin ti Vit Nam. Flexicard l s kt hp y hai tnh nng th: tnh nng ghi n (Debit) v
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tnh nng tr trc (Prepaid), cho php ch th c hng y tin ch ca c hai tnh nng trn cng mt phi th, v linh hot khi mun s dng tnh nng no th tnh nng c kch hot. Flexicard 2 tnh nng: Th Flexicard ghi n hai tnh nng (th a nng) l sn phm th c tch hp hai tnh nng ghi n v tnh nng tr trc trn cng mt phi th, cho php Khch hng la chn tnh nng th s dng theo nhu cu v mc ch ca mnh. Vi th Flexicard a nng, khch hng s c hng nhiu tin ch v u i do c hai tnh nng mang li. Flexicard tr trc: L phng tin thanh ton khng dng tin mt, tin li v an ton, cho php Khch hng thc hin giao dch ti cc im chp nhn th thanh ton tin mua xng du, hng ha, dch v v.v. m khng cn m ti khon ti Ngn hng khi s dng th tr trc. Th FlexiCard tr trc gm hai loi l Flexicard tr trc v danh v Flexicard tr trc nh danh. Flexicard ghi n: L phng tin thanh ton khng dng tin mt tin li v an ton pht hnh trn c s ti khon tin gi khng k hn ca Khch hng m ti Ngn hng. Phn tch, nhn nh Xt v tim lc ti chnh, PG bank tng i nh so vi cc i th cng ngnh, tuy nhin PGB c li th v c ng s hu l Petrolimex vi li th c quyn trong ngnh xng du. Tuy nhin vic thanh ton xng du qua th hin ti cng cn nhiu bt tin khi khch hng phi n tn ATM/POS ( nhp m pin). i a s ngi dng vn cha c thi quen thanh ton ny v s lng im thanh ton t ang l tr ngi cho vic m rng v pht trin Flexicard. Trong lnh vc th, PGB mi pht hnh th Flexicard vi mc tiu u tin l n gin ha vic thanh ton tin mua xng du ca ngi dn v doanh nghip. vi vic tung ra nhiu u i qua phng thc thanh ton vn minh v tin dng ny, PGB bc u
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3.
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kh thnh cng vi Flexicard v c ngi dng n nhn. Cc tnh nng ca sn phm cng kh a dng v ph hp vi nhiu i tng khch hng. Trong lnh vc th thanh ton PG bank cha pht trin mnh bng cc ngn hng khc nhng li s hu li th trong ngnh kinh doanh xng du s u tin tp trung vo mng th trng ny.
XII. 1.
NGN HNG LIN DOANH VIT NGA (VRB)
Tng quan
c thnh lp t ngy 19/11/2006, Ngn hng Lin doanh Vit - Nga (VRB) l ngn hng lin doanh gia Ngn hng u t v Pht trin Vit Nam (BIDV) v Ngn hng VTB (trc l Ngn hng Ngoi thng Nga Vneshtorgbank). Vi v th ngn hng hng u trong vic cung cp dch v ti chnh ngn hng, ti tr vn v thanh ton cho cc hot ng trao i thng mi v u t gia Vit Nam v Lin Bang Nga; VRB chc chn s nhn c s quan tm u t v h thng c s h tng t chnh ph hai nc; c bit trong bi cnh thng mi song phng ang c y mnh. 2. 2.1 Sn phm v dch v th Sn phm th L mt ngn hng mi c thnh lp vi mc tiu lin kt thanh ton gia hai quc gia Nga v Vit Nam nn h thng th ca ring ngn hng VRB cha c nhiu sn phm ring. Tuy nhin, im c bit l VRB sm kt ni th ni a ca ngn hng mnh vo h thng ca Banknetvn, nh tn dng c rt nhiu li th v c s h tng lin ngn hng. Th ghi n ni a VRB Card C th rt n 5 triu 1 ln. C th rt c n s d bng 0. Mt th c th lin kt 08 ti khon Rt trn ti khon USD Pht hnh thm 03 th ph cho mi th chnh. Th tn dng quc t VRB (Visa credit card)
u im ni bt
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u im ni bt Th tn dng quc t Visa Gold v Visa Classic vi hn mc th a dng, p ng Thanh ton nhanh chng thng qua hng chc triu im chp nhn thanh ton mi nhu cu s dng trn ton cu v rt tin t cc my ATM c k hiu VISA v ti ton b h thng ngn hng trn ton th gii. 2.2 Dch v th Ch cn truy cp website ca VRB ti bt k im truy cp Internet no; ch th VRB s thc hin c nhiu giao dch lin quan n ti khon ca mnh nh tra cu thng tin li sut tit kim; thng tin t gi ngoi t; thng tin ti khon tin gi thanh ton, ti khon tin gi tit kim, ti khon tin vay; tra cu lch s cc giao dch ca ti khon tin gi thanh ton. c bit, ch th VRB c th ng k m ti khon c nhn, pht hnh th ATM, ng k s dng dch v SMS Banking ngay trn trang thng tin in t ny. SMS Banking Tng t nh ngn hng GP-Bank; ch th VRB c th ng k dch v SMS Banking tra cu thng tin cng nh thc hin giao dch qua tng i 6089. Phn tch v nhn nh Th VISA ca VRB c y cc tnh nng hin i ca th Chip theo chun EMV ca Hip hi th quc t VISA, gip thng tin v ti khon c bo mt tuyt i, an ton, chnh xc. K t khi pht hnh th VISA n nay, thc t chng minh th ca VRB thanh ton an ton, nhanh gn, thng sut trn ton th gii, k c Trung M, Nam M v chu Phi. Ngoi ra th thanh ton quc t ca VRB c tnh nng vt tri, mc ph ht sc cnh tranh trn th trng hin nay. c bit mc ph chuyn i ngoi t m VRB p dng khi khch hng dng th VISA (k c Debit v Credit) giao dch mua hng ha, dch v nc ngoi l 1,5%, to iu kin gip khch hng tit kim ng k chi ph v thi gian. Ngoi ra, cho d rt tin mt ti nc ngoi khng phi l
Internet Banking
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hnh thc ti u khi s dng th, nhng VRB cng c nhng mc ph h tr khch hng nh ph rt tin mt nc ngoi l 2% vi th VISA Debit, 4% vi th VISA Credit, li sut tnh trn s tin mt rt bng th VISA Credit tnh t thi im rt tin ch c 1.25%/thng, t hn so vi nhiu ngn hng khc. Bn cnh , VRB c th mnh c bit vi t cch l cu ni thanh ton Vit Nam - Nga. Khch hng c th m ti khon ti y theo nhiu loi ngoi t s dng th VISA, trong c ti khon bng tin RUB, Th mnh ny ca VRB to iu kin thun li cho nhiu ngi Nga cng tc ti Vit Nam nhn lng v cc khon kinh ph khc t Nga gi sang, cng nh nhng khch hng Vit Nam c quan h cng tc v kinh doanh vi cc c quan t chc ca Nga ch giao dch bng tin RUB. c bit hin nay ngn hng con ca VRB ti Nga l Ngn hng VRB Matxcva (VRB Moscow Bank - a ch: ph Bolshaya Polyanka, nh 61, cng trnh 1, Matxcova) ang xc tin pht hnh rng ri th VISA Debit. y l loi th ph bin, tin li cho khch hng, trc ht l cng ng ngi Vit c quan h kinh doanh vi ngi Nga, v khch du lch Nga mun n thm Vit Nam v i du lch cc nc khc m khng c iu kin hoc khng mun s dng USD hay EURO. Vi mc tiu a hot ng thanh ton bng th tr thnh mt trong nhng hng ch cht trong hot ng kinh doanh ca mnh, VRB s l mt i tc tt vi h thng chuyn mch ti chnh ca Banknetvn. XIII. NGN HNG TMCP PHNG TY (WESTERN BANK) 1. Tng quan Western Bank tin thn l Ngn hng C c thnh lp t cui nm 1988 v hot ng trn a bn Thnh ph Cn Th vi s vn iu l nh ban u l 320 triu ng v chnh thc chuyn i m hnh sang ngn hng th t thng 06 nm 2007. Vi nh hng pht trin n nh v bn vng tng bc xy dng ngn hng bn l da trn cng ngh hin i, sau hn 4 nm chuyn i m hnh vi s n lc ca ton th nhn vin ngn hng Western Bank.
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Lnh vc hot ng: Huy ng vn ngn, trung v di hn; Cho vay ngn, trung v di hn i vi cc thnh phn kinh t v c nhn; v gp vn lin doanh; Dch v thanh ton, dch v ngn qu v dch v kiu hi; Kinh doanh ngoi t v thanh ton quc t; Pht hnh th thanh ton. 2. Sn phm, dch v th v thanh ton Th Western 1ST Np tin cho v in t Thanh ton mua sm hng ha dch v ti cc n v chp nhn th. Thanh ton mua hng trc tuyn trn mng. Thu chi cho ti khon th. Np tin vo ti khon th ti my ATM. Chuyn khon t Ti khon th sang Ti khon tin gi c k hn ti ATM. Np tin vo thu bao di ng tr trc ti ATM. Thanh ton ha n tr sau ti ATM Thanh ton ha n tin in. Dch v Internet Banking: Thc hin cc giao dch: Chuyn khon: khch hng c th chuyn tin t tin gi thanh ton m ti
u im ni bt
Western Bank n cc ti khon tin gi khc ti Chi nhnh/Phng giao dch ca Western Bank hoc cc ngn hng khc ngoi h thng. Thanh ton ha n: Thanh ton cc ha n cc ph in, nc, in thoi, Chuyn i ngoi t: Cho php khch hng c th chuyn i ngoi t ca mnh Dch v Mobile Banking
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Internet. m ti WTB sang ti khon tin gi thanh ton VN trong h thng WTB. Mobile Banking l mt phng tin mi phn phi sn phm dch v ca Western Bank, cho php khch hng thc hin thanh ton ha n m khng cn phi n Ngn hng. Kim tra s d v lit k giao dch ti khon tin gi thanh ton (hoc th). Bit thng tin v li sut, t gi hi o.
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Thanh ton ha n tin in, nc, in thoi, truyn hnh cp, bo him Trch tin t ti khon tin gi thanh ton sang th (d kin trong tng lai Visa
Electron, Master Electronic, Citimart) Phn tch v nhn nh
3.
Westernbank tham gia ng thi 3 lin minh Banknetvn, VNBC v Smartlink, th ca NH ny c chp nhn rng ri trn ton quc. Westernbank ch mi pht hnh th ghi n vo nm 2009, sn phm th ny mc d mang nhiu tnh nng nhng khng c nhiu s khc bit v ni tri so vi cc sn phm th ca cc ngn hng khc. Westernbank ng thi cung cp dch v Internet Banking v Mobile Banking nhm gia tng li ch cho ch th. Dch v I-Banking ca WTB cung cp dch v mi v chuyn i ngoi t, y l im nhn v khc bit so vi cc ngn hng khc. WTB mi ch a ra th trng th ghi n ni a, WTB cng cha tham gia t chc th quc t Visa, Master. WTB l ngn hng u tin ti Vit Nam tch hp ng dng cng ngh vn tay trong cc giao dch ngn hng v km theo ng dng h thng camera quan st thng qua Internet (IP camera), lm tng kh nng bo mt v phng nga ri ro cho khch hng. WTB cng tp trung pht trin knh phn phi da trn cng ngh hin i: ATM, TCD, POS v ang pht trin Kiosk banking. Mc d ch cung cp 1 sn phm th ghi n, WTB c li th v cng ngh, y l mt im mnh ca WTB. XIV. NGN HNG TMCP SI GN THNG TN (SACOMBANK) 1. Tng quan L 1 trong 9 c ng sng lp ca Banknetvn. L thnh vin ca lin minh ngn hng Banknetvn, Smartlink. Thnh vin chnh thc ca 2 t chc th VISA v MASTER card. Lin kt vi t chc th CHINA UNION PAY. 366 im giao dch ton ng Dng, 8600 cn b nhn vin, 15550 i l ca 311 ngn hng ti 81 quc.
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2.
Sn phm, dch v th Sacombank c lng th phn th ( tn dng, thanh ton, tr trc) pht trin mnh
nht ti TP.HCM. Ngn hng ny cn tn dng li th ngi Hoa Kiu ti Vit Nam v lng giao dch trao i gia 2 nc cho ra sn phm th lin kt vi China UnionPay. Sn phm nh mnh vo phn khc tng lp ngi tiu dng cao cp ti TP. HCM v H Ni. Ngoi ra Sacombank rt nng ng trong vic PR, Marketing ti ngi tiu dng khuyn khch dng th Sacombank thanh ton mua hng. Cc chng trnh tch im ti ni c biu tng Sacombank Plus vi nhiu u i gim gi ln, mua hng tr gp vi li sut bng 0, Plus Day Vi danh sch cc nh hng, khch sn c u i cho ch th c th thy Sacombank ang y mnh mua sm tiu dng qua th ti TP.HCM ni c lng tiu dng ln nht c nc. T nhng u i cho khch hng ny s kch thch to ra ln sng tiu dng qua th trong tng lai, khch hng c u i 45 ngy min li khi s dng th tn dng hn na li c gim gi hoc mua tr gp vi li sut bng 0, y l iu kin tt cc khch hng trung thnh vi th tn dng hn. 2.1 Th ghi n Vi dng th ghi n ni a: Sacombank c pht hnh th Sacombank Passport Plus, Sacombank Vin Thng A Club. Th ghi n quc t : Sacombank China Union Pay, Sacombank Visa debit. Cc th ra i t kh sm, th ghi n ni a u tin ca Sacombank c tung ra th trng mang tn Sacom vo 8/2002 ( th ny l tin thn ca Sacombank Passport Plus). Th ghi n quc t Sacombank Visa Debit xut hin vo 10/2006. Vi th ghi n ni a, khch hng c th giao dch mi lc mi ni qua ATM, POS c biu tng Sacombank v biu tng ca Banknetvn, Smartlink, VNBC trn ton quc. Khch hng cng c th chuyn khon trong cng h thng Sacombank v thc hin y cc chc nng khc ca th nh vn tin s d, rt tin, mua sm thanh ton. Th ghi n lin kt ng thng hiu vi Vin Thng A nhm gip phn khc khch hng thng xuyn s dng dch v ca Vin thng A c nhng u i c bit gim gi
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khi mua hng ti Vin Thng A ng thi Sacombank c thm li nhun c chia s t pha i tc. Th ghi n quc t Sacombank Visa Debit. Th ny c ra i sau th tn dng quc t Sacombank Visa Credit nhm tn dng li th thng hiu ca Visa v tnh nng c th rt tin, mua sm ti cc im chp nhn Visa trn ton th gii. Vi dng th ny, c Visa v Sacombank u tranh th c vic th trng thanh ton mua hng qua th ghi n ni a cha pht trin mnh ti Vit Nam v thi quen qu t th gn lin vi nhng POS c biu tng Visa. Sn phm ny va l sn phm thay th, va l sn phm cnh tranh mnh vi sn phm th ghi n ni a v n c y tnh nng ca th ghi n ni a, hn na li c nhng tnh nng b sung nh cho php ch th giao dch ti nc ngoi. Mt dng th ghi n quc t na ca Sacombank l Sacombank China Union Pay. Sn phm ny ra i nhm hng ti i tng Hoa kiu ang sinh sng v kinh doanh ti TP.HCM rt ln. Phn khc sn phm th ny chim ti a ti khu vc TP.HCM, t y s m ra cho Sacombank nhiu sn phm gia tng khc khi c khch hng s dng th n nh Sacombank p dng ph thng nin cho cc loi th ghi n ca mnh l 99,000 / thng. Mc ph ny t hn so vi cc ngn hng khc thm ch mt s ngn hng khng p dng ph thng nin cho khch hng. Sacombank gii thch cho vic s dng mc ph thng nin cao l do dng th ca h s dng cng ngh th Chp EMV t hn so vi th t ca cc ngn hng khc ng thi yu t bo mt v an ton s tt hn. 2.2 Vi loi th tn dng quc t Sacombank Th tn dng ni a c ra mt vo 05/2003 v th tn dng quc t c pht hnh rng ri trn th trng vo 8/2005. Dng th tn dng quc t ca Sacombank c kho lo i su vo cc phn khc th trng tim nng dnh cho khch hng cao cp. Dng sn phm th ny c cc loi dnh cho khch hng VIP nh Sacombank Visa Plantinum, Ladies First, OS Member, Citimart, Parkson Previllage, Sacombank Master Card, Sacombank China Union Pay. Cc th c biu tng VISA, MASTER card s c rt tin, giao dch, mua sm thanh
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ton ti nhng ni chp nhn thanh ton bng VISA v MASTER card. Doanh thu ca loi th ny bao gm li sut ch th phi tr khi n hn, ph rt tin mt, doanh thu c chia s t nhng i tc ca Sacombank. V h thng cc i tc ny cng rt mnh ch yu l cc shop thi trang cao cp, cc nh hng v khch sn, sn golf, resort Ngoi ra Sacombank cn cho ra i sn phm tn dng ni a Sacombank Family. Sn phm ny thc cht dng vay tiu dng ca Sacombank v ch th phi l khch hng ca sn phm vay tiu dng Bo Tn, Bo Ton ca Sacombank. Vi hn mc tn dng ln ti 1 t ng, y cng l gi sn phm rt mnh ca Sacombank trong dng sn phm cho vay tiu dng. ng thi vic gii ngn qua th kch thch c khch hng s dng cc tnh nng ca th khc nh mua hng ha, rt tin mt, iu ny to ra cc mc thng nin cho cc loi th c Sacombank p dng t VN 299,000 -999,000 ty theo loi th phn khc theo i tng khch hng. Ph rt tin mt ti ATM, POS : 4% s tin giao dch (STGD), ti thiu 40,000. Ph chm thanh ton : 6% s tin chm thanh ton, ti thiu 60,000 . Mc ph ny thuc dng cao nht trn th trng. 2.3 Th tr trc Hin nay Sacombank cho ra i rt nhiu loi th tr trc nh Lucky Gift, Vinamilk, Sacombank Visa All for you. Mng th trng th tr trc c dng thay th tin mt, khch hng mun s dng phi np tin vo th v n khng phi l ti khon ngn hng, mnh gi th linh hot v c bn ti cc im i l ca Sacombank. Th tr trc nh vo phn khc tng lp ngi tiu dng thu nhp thp v khng iu kin lm th tn dng. Vi tnh nng mua hng, rt tin nh mt th tn dng quc t, th tr trc l sn phm thay th th ghi n quc t m khng cn th tc rm r. Thch hp lm qu tng cho ngi than, bn b, i tc. Dng m th mua sm ti cc im chp nhn VISA, UnionPay trn ton th gii m khng cn s hu th tn dng. Th tr trc ch p dng vi ATM v POS ca Sacombank v ni c biu tng Visa. Th ny khng p dng cho cc ATM trong lin minh Banknetvn, Smartlink, VNBC. 3. Phn tch v nhn nh
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Sacombank c lng th phn th pht trin mnh nht ti th trng TP.HCM. Cc sn phm th ca Sacombank rt phong ph v a dng vi nhiu tin ch. Sacombank cung cp c 3 loi th: th ghi n, th tn dng v th tr trc, trong mi loi th li c phn chia thnh nhiu sn phm th khc nhau ph hp vi cc i tng khch hng khc nhau. H thng i tc ca Sacombank cng rt mnh gm cc shop thi trang cao cp, nh hng, khch sn, sn golf, resort nhm mang li tin ch ti a cho khch hng. Mt khc, Sacombank kho lo i su vo phn khc th trng tim nng dnh cho khch hng cao cp. Cc th ca Sacombank ra i t kh sm v kh mnh, th ghi n u tin c tung ra th trng t nm 2002. Sacombank rt nhy bn trong th trng bn l v sn phm th. Nu so snh vi biu s lng POS v my ATM t thi k 2005, 2006 v s lng th ton quc lin kt vi Visa th c th thy Sacombank l mt trong nhng ngn hng i u tin v pht trin cc sn phm th a dng nht. Th phn ca Sacombank rt mnh cc th ln ca pha Nam. Nhn chung, cc sn phm v dch v th ca Sacombank kh mnh v pht trin, c sc cnh tranh trn th trng. NGN HNG TMCP I TN (TRUSTBANK)
XV. 1.
Tng quan Ngn hng thng mi c phn (TMCP) i Tn TRUSTBank chnh thc thnh
lp vo nm 1989, vi tn gi l Ngn hng TMCP nng thn Rch Kin - ngn hng c phn u tin ca tnh Long An. 2. Sn phm, dch v th Th tn dng ni a TRUSTYOU ( hng vng v hng chun) Cc tnh nng rt tin, thanh ton qua POS, v khuyn mi li sut 45 ngy khng Th ghi n ni a TRUSTPAY, TRUSTVIP Cc chc nng ca mt th ghi n ni a c th rt tin ti cc ngn hng trong
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tnh li vi giao dch thanh ton nh cc ngn hng khc
lin minh Banknetvn, Smartlink, VNBC

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Thanh ton hng ha dch v ti ATM, EDC trong h thng lin minh th Chuyn khon sang ti khon cng h thng TRUSTBANK ti cc my ATM, Ph thng nin : 0 Ph rt tin mt ti ATM ngn hng khc: 0 Vi TRUSTYOU, hn mc rt ti a l 20 triu ng/ngy. Vi TRUSTVIP hn Th tr trc ni a TRUSTGIFT Khng phi ti khon ngn hng, v c dng nh ATM, EDC trn ton quc. Th a nng TRUSTBANK Th tch hp y tnh nng ca ATM, cng ngh th t, m vch vo qun l Phn tch v nhn inh Hin ti Trustbank mi ch pht hnh th tn dng ni a TRUSTYOU, ngn
EDC ca ngn hng khc trong lin minh
mc rt ti a l 50 triu ng/ngy.
chc nng th ra vo c quan, th th vin, th chm cng 3.
hng ny cng ang lm th tc tr thnh thnh vin ca t chc th MASTER V VISA. Vi 4 nhm sn phm th ph hp vi nhu cu khch hng ni a phn khc ng bng sng cu long, TP.HCM v ng Nam B. Sn phm th chc chn s c tung ra th trng trong thi gian ti y bt kp xu hng tiu dng th. Hin ti TrustBank mun y mnh phn khc th trng ngi c thu nhp thp, sinh vin, hc sinh. Th trng ngn hng bn l nng thn hu nh cha c cc ngn hng quan tm, Trust Bank c xu th tin su hn vo phn khc th trng ny. Vi vic tip cn vi cc trng i hc thng qua h tr hc bng, chng trnh t thin, Trust Bank s trin khai cc dch v i km nh Th a nng sinh vin, dch v thu h hc ph Vi th phn mnh mng doanh nghip thy hi sn v khu vc kinh t nng thng, Trust Bank s c th trin khai tt mng dch v gia tng nh thu h tin in, nc, in thoi khu vc ny.
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XVI. NGN HNG TMCP NAM (NamABank) 1. Tng quan Ngn hng TMCP Nam chnh thc hot ng t ngy 21/10/1992, l mt trong nhng ngn hng thng mi c phn u tin c thnh lp sau khi Php lnh v Ngn hng c ban hnh vo nm 1990 T nhng ngy u hot ng, Ngn hng Nam ch c 3 chi nhnh vi s vn iu l 5 t ng v gn 50 cn b nhn vin. n nay, Ngn hng Nam khng ngng ln mnh, c mng li gm hn 50 a im giao dch trn c nc. So vi nm 1992, vn iu l hin nay tng gp 600 ln, s lng nhn vin tng gp 20 ln. Mc tiu hin nay ca Ngn hng Nam l phn u thnh mt trong cc ngn hng hin i ca Vit Nam trn c s pht trin nhanh, vng chc an ton v hiu qu. Ngn hng Nam xc nh tm nhn l tr thnh NHTMCP bn l hng u Vit Nam vi khch mc tiu l c nhn, doanh nghip va v nh.
2. 2.1
Sn phm, dch v v thanh ton Th ghi n ni a NamACard Ngy 22-6-2010, Ngn hng TMCP Nam khai trng chnh thc kt ni h
thng chuyn mch Nam vi h thng chuyn mch Banknetvn. T , Nam tr thnh ngn hng thnh vin th 16 c Banknetvn. Sn phm th ni a Nam card vi logo Banknetvn cho php ch th ngoi vic rt tin mt ti tt c cc my ATM v im chp nhn thanh ton (POS) c logo Banknetvn, Smartlink, VNBC trn khp c nc. u im ni bt: Chuyn khon nhanh chng v an ton ngay ti ATM. Truy vn thng tin ti khon, chuyn tin trong nc bt c u vi Internet
Banking. Truy vn thng tin ti khon, li sut tit kim, t gi ngoi t, v nhn thng bo
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t ng khi c pht sinh giao dch vi SMS Banking.
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Ph giao dch khi khch hng thc hin dch v trn my ATM v my POS ti
ngn hng Nam v ti cc ngn hng thuc lin minh Banknetvn u hon ton min ph. 2.2 Dch v thanh ton trc tuyn T ngy 09/09/2011, NAM A BANK chnh thc trin khai Dch v thanh ton trc tuyn (Payment Online) dnh cho cc ch th ni a Nam A Card, hp tc vi Banknetvn. Dch v ny cho php Khch hng c th s dng th ni a mua sm, thanh ton a dng cc loi hng ha, dch v mi lc, mi ni ti nhiu website cung cp hng ha dch v ln nh: payoo, vatgia, . m khng cn ng k dch v hay tn bt k chi ph s dng no. Vi tiu chun k thut cht ch ca Banknetvn cng vi cc tiu chun v xc thc v bo mt ca NAM BANK, Dch v Thanh ton trc tuyn (Payment Online) cung cp knh thanh ton in t rt an ton v bo mt. Bn cnh cc bin php ngn chn gian ln, gi mo, qun l mi ri ro trong thanh ton thng mi in t theo quy nh, vic bo mt thng tin ti khon, thng tin khch hng cng rt c bo m. Ngoi ra, Nam cn pht trin h thng Ngn hng in t E-Banking vi cc sn phm, dch v nh: V in t, Topup, SMS Banking, Mobile Banking.. 2.3 V in t Nam Bank MobiVi Thng qua v in t, khch hng c th np, rt tin mua sm cc sn phm nh th in thoi, th game thanh ton ha n tin ch, hoc mua hng trc tuyn trn nhiu trang web thng mi in t tch hp thanh ton ca MobiVi mi lc mi ni. i vi doanh nghip hay h kinh doanh, v in t NamABank MobiVi gip doanh nghip gia tng khch hng, li nhun v li th cnh tranh. Ngoi ra, ngn hng Nam h tr dch v thu chi, gip doanh nghip, h kinh doanh ch ng v ngun vn. Nh vy, khch hng c hng mc chit khu hp dn v c th xoay vng vn nhanh chng gia tng li nhun v pht trin kinh doanh. V in t Nam Bank MobiVi l im nhn trong dch v thanh ton ca Nam Bank.
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2.4
Cc dch v khc VnTopup: ch v np tin vo ti khon in thoi di ng v mua th game qua
tin nhn vi s tin c tr trc tip trong ti khon ca khch hng ti Nam Bank. SMS Banking: l knh giao dch cung cp cho khch hng cc thng tin v sn phm dich v Ngn hng qua tin nhn SMS. Internet Banking: Dch v ny gip qun l ti khon t xa Dch v thu h tin in: Dch v ny c phi hp vi Cng ty in lc TP.HCM gip khch hng thanh ton c th thanh ton d dng v nhanh chng. Dch v thu i ngoi t: dch v cung cp cho khch hng c nhu cu i ngoi t mt ly VN m khng cn chng minh ngun gc ngoi t v khng hn ch s lng ngoi t ti a. Dch v ct gi h CTCG, tin, kim loi qu: Dch v gi h gip khch hng ct gi ti sn ti kt ca Nam A Bank mt cch an ton. Ngoi ra, Nam Bank cung cp cc dch v: Dch v REPO chng khon cha nim yt, Dch v sc thanh ton, Dch v bo lnh to iu kin cho khch hong hot ng kinh doanh nhanh chng v hiu qu. Phn tch v nhn nh Sn phm th ca ngn hng Nam ch bao gm th ghi n ni a Nam card, thiu a dng trong cc loi th nh th tn dng, th ghi n quc t. Nhng cc dch v th i km a dng. Theo nhn nh trc quan, ngn hng Nam tp trung vo cc dch v thanh ton, SMS Banking, Internet Banking.. ng thi, Nam bank cung cp nhiu loi hnh dch v khc nhau nh v chng khon, dch v thu h, ct gi hy l mt im mnh ca Ngn hng Nam trong vic thu ht khch hng. Dch v v in t kt hp vi Mobivi cng l mt im nhn trong cc sn phm, dch v ca Nam em li s tin li cao cho khch hng nhng ra i chm hn so vi cc loi v in t pht trin khc nh Payoo, VnMart, Momo nn sn phm ny s vp phi s cnh tranh kh ln trn th trng.
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3.
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Nhn chung, Nam pht trin cc dch v ngn hng in t E-banking hn so vi dch v th. Ngn hng Nam xc nh tm nhn l tr thnh NHTMCP bn l hng u Vit Nam vi khch mc tiu l c nhn, doanh nghip va v nh nhng vi tim lc hin ti, nhng mc d c s pht trin v a dng ho trong dch v thanh ton nhng cha mng, sn phm th km a dng, ngn hng Nam vn nm trong s cc ngn hng nh v va Vit Nam. XVII. NGN HNG TMCP NGOI THNG VIT NAM (VCB) 1. Tng quan Ngy 21 thng 09 nm 1996 thnh lp Ngn hng Ngoi thng vi tn giao dch quc t: Bank for Foreign Trade of Viet Nam, tn vit tt l Vietcombank. Tnh n thi im cui nm 2006, NHNT pht trin ln mnh theo m hnh ngn hng a nng vi 58 Chi nhnh, 1 S Giao dch, 87 Phng Giao dch v 4 Cng ty con trc thuc trn ton quc; 2 Vn phng i din v 1 Cng ty con ti nc ngoi, vii ng cn b gn 6.500 ngi. Ngoi ra, NHNT cn tham gia gp vn, lin doanh lin kt vi cc n v trong v ngoi nc trong nhiu lnh vc kinh doanh khc nhau nh kinh doanh bo him, bt ng sn, qu u t. 2. 2.1 Sn phm, dch v th Vietcombank Sn phm th
Lun tin phong trong vic cung cp cho khch hng cc gii php ti chnh ti u nht, Ngn hng Thng mi c phn Ngoi thng Vit nam (Vietcombank) l ngn hng thng mi u tin v ng u Vit Nam trin khai dch v th - dch v thanh ton khng dng tin mt hiu qu, an ton v tin li nht hin nay. Cc loi sn phm th chnh Vi k lc Ngn hng c sn phm th a dng nht Vit Nam c B sch k lc Vit Nam cng nhn vo ngy 28/06/2008 v l ngn hng duy nht ti Vit Nam chp nhn thanh ton c 6 loi th ngn hng thng dng trn th gii mang thng hiu Visa, MasterCard, JCB, American Express, Diners Club v China UnionPay. n nay,
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Vietcombank dn u v th phn pht hnh v thanh ton th trn th trng th Vit Nam. Th ghi n ni a Connect 24 Ngoi cc tin ch c bn, ch th cn c th chuyn khon trong h thng VCB v thanh ton ha n dch v v tham gia chng trnh khuyn mi mua v my bay chit khu v tng thng may mn Th ghi n quc t Vietcombank Mastercard Th Vietcombank Connect24 VISA Hai loi th ny c lin kt vi Visa v Mastercard, ch th c chp nhn s dng mng li ca t chc lin kt trong v ngoi nc. Ch th cng c hng cc chng trnh khuyn mi t v my bay, mua sm gim gi ti cc siu th c hp tc vi VCB. Th tn dng Vietcombank VISA/MASTERCARD ci ngun Hn mc tn dng tun hon t 05 triu n 300 triu VN Chi tiu trc, tr tin sau vi thi hn u i min li ln n 45 ngy. Mi ch th chnh c pht hnh thm 02 th ph cho ngi thn Th tn dng Vietcombank AMERICAN EXPRESS Ngoi cc tin ch c bn v m rng mng li chp nhn trn th gii v thng hiu AMEX, ch th cn hng nhiu u i gim gi i vi cc dch v du lch, gii tr, ngh dng trong cc i tc ca AMEX trn ton cu. Th Vietcombank Vietnam Airline AMERICAN EXPRESS (Th Bng sen vng) Ngoi cc u i thng thng nh th VCB-AMEX, ch th bng sen vng cn c u i trong vic t mua v my bay ca Vietnam Airline v tham gia cc chng trnh tch dm ng bay. Th ny ch yu nhm vo cc khch hng cao cp hay i cng tc v tin cho vic mua sm ti nc ngoi. 2.2 Dch v Ngn hng in t Dch v ngn hng qua Internet VCB-iB@nking Chuyn tin trong v ngoi h thng Vietcombank
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Thanh ton ha n tr sau: thanh ton ha n cho cc dch v tr sau nh nh Dch v ti chnh: thanh ton cc khon li vay, gc vay, ph bo him, np tin Chuyn tin vo cc v in t mua bn trc tuyn trn internet v np tin in Ngn hng qua tin nhn in thoi di ng VCB SMS B@nking Tra cu thng tin Np tin cho in thoi di ng tr trc Nhn tin nhn ch ng thng bo bin ng s d ti khon. Dch v VCB eTopup: cho php np tin vo ti khon in thoi di ng tr trc. Dch v VCB-Money: Dch v ngn hng in t VCB Money l dch v c xy
in, nc, vin thng, hng khng, du lch u t chng khon, thoi di ng
dng da trn nn tng cng ngh hin i gip khch hng c th thc hin cc giao dch vi ngn hng t xa thng qua kt ni Internet m khng phi trc tip n ngn hng Dch v ny dnh cho nh ch ti chnh hoc T chc kinh t c tin gi ti Dch v ny cho php khch hng c th thc hin cc giao dch thanh ton nh:
Vietcombank chuyn tin trong nc, chuyn tin i nc ngoi, mua bn ngoi t, thanh ton lng v nh thu t ng. Hin c 181 n v l i tc ca VCB Money, x l trung bnh khon 15.500 giao VCB eTour: Dch v thanh ton du lch trc tuyn cho php thanh ton ph dch v c im ca dch v ny l tnh bo mt thng tin giao dch trong qu trnh thanh dch/ngy. du lch trc tuyn t ti khon tin gi ti Vietcombank ton cao vi cng ngh m ha ng truyn SSL, cng ngh bo mt v xc thc VerisignSecured, cng ngh to mt khu t ng OTP theo chun quc t cho php khch hng la chn hnh thc nhn mt khu tng ln qua in thoi di ng.
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3.
Phn tch, nhn nh
Vietcombank hin ang l ngn hng c th phn th ln nht v danh mc th a dng nht ti Vit Nam hin nay. Vi ngun lc mnh c v ti chnh, con ngi v qun tr cng vi th mnh sn c ca 1 ngn hng mnh v lu nm ti Vit Nam. VCB sm trin khai dch v th kh hp dn i vi khc hng c nhn. c bit VCB c quan h hp tc kh tt vi cc t chc pht hnh v thanh ton th quc t, do pht hnh c 6 loi th thanh ton quc t uy tn v tin dng t tm quc t. Mng kinh doanh th ca VCB c nh gi l rt mnh trn th trng Vit Nam vi danh mc a dng v nhiu tnh nng u vit khc bit vi dch v th ca ngn hng khc. VCB c li th c quyn pht hnh th quc t i vi 1 s i tc nc ngoi v s ch trong khai thc th trng ny. NGN HNG TMCP K THNG VIT NAM (TECHCOMBANK)
XVIII. 1.
Tng quan c thnh lp ngy 27/09/1993 vi s vn ban u l 20 t ng, tri qua 18
nm hot ng, n nay Techcombank tr thnh mt trong nhng ngn hng thng mi c phn hng u Vit Nam vi tng ti sn t trn 183.000 t ng (tnh n ht thng 9/2011). Techcombank c c ng chin lc l ngn hng HSBC vi 20% c phn. Vi mng li gn 300 chi nhnh, phng giao dch trn 44 tnh v thnh ph trong c nc, d kin n cui nm 2011, Techcombank s tip tc m rng, nng tng s Chi nhnh v Phng giao dch ln trn 300 im trn ton quc v 1000 my ATM ang hot ng. Techcombank cn l ngn hng u tin v duy nht c Financial Insights tng danh hiu Ngn hng dn u v gii php v ng dng cng ngh. Hin ti, vi i ng nhn vin ln ti trn 7.300 ngi, Techcombank lun sn sng p ng mi yu cu v dch v dnh cho khch hng. Techcombank hin phc v trn 2 triu khch hng c nhn, gn 60 .000 khch hng doanh nghip.
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Techcombank ng thi l c ng sng lp ca Smartlinl, l thnh vin chnh thc ca t chc th quc t Visa, Master Card. Techcombank kt ni lin thng vi mng li ca ngn hng ANZ. Trong nm 2011, Techcombank nhn c gii thng l ngn hng bn l tt nht Vit Nam.
2. 2.1 -
Sn phm, dch v th v thanh ton Sn phm, dch v th Th Tn dng TECHCOMBANK Dng sn phm ny Techcombank a ra th trng 2 loi th, Techcombank Visa Vi cc tnh nng thng thng ca th tn dng nh rt tin mt, mua sm hng
v Techcombank Vietnam Airline Visa. ha ti mi im chp nhn th Visa trn th gii hay vic u i 45 ngy min li khi s dng th, Techcombank cn a ra u i cho ch th bng cch tng bo him tai nn An nghip thnh cng cho khch hng. Cc ch th ca th tn dng c u i ti cc im mua sm, dch v l i tc ca Techcombank. c bit hn l vic hp tc vi Vietnam Air Line vi chng trnh tch ly im thng. Vi 1.6 $ c thanh ton bng th, khch hng s c cng dm thng v c tch ly vo ti khon chuyn dm thnh nhng phn thng gi tr. Vi hnh thc im thng chuyn thnh qu tng gi tr cng l cch Th thanh ton ni a v quc t Techcombank Th ghi n ni a v quc t ca Techcombank c th rt tin ti bt k my Techcombank gn b vi khch hng ca mnh hn.
ATM no c logo ca Techcombank hay logo ca lin minh Banknetvn, Smartlink, VNBC. Vi sn phm th ghi n ni a lin kt ng thng hiu vi Vincom, ch th
63
cng s c u i gim gi ti cc gian hng khi mua sm trung tm thng mi Vincom. Ngoi ra kch thch vic mua sm qua POS, khch hng mua sm qua POS s c t ng tch im thng v i qu gi tr ln. Doanh thu ca th ny n t vic cc merchant phi tr phn trm ph c nh cho Techcombank v khch hng s dng
64
th qua knh ATM hay internet, h thng POS ca ngn hng ny c pht trin rt mnh hu nh ti cc im mua sm ti H Ni. Ngoi ra ch th cn theo di c bin ng ti khon ca mnh, sao k cc giao dch thng qua cc dch v nh Home Banking, F@st ibank, F@st mobipay. Vic khch hng thng xuyn s dng dch v gia tng ny s d dng Techcombank trin khai cc dch v gia tng sau ny. Vi th tr trc c pht hnh bi Techcombank mang biu tng ca VISA th gm 16 m s
mua sm trc tuyn hay thanh ton ti cc ni c biu tng ca VISA v Techcombank. 2.2 Thch hp lm qu tng cho bn b, ngi than, i tc Khng phi l th tn dng hay th ghi n Dch v ngn hng in t Techcombank Home Banking: y l dch v yu cu cung cp thng tin qua in
thoi di ng mi lc mi ni. Cc thng tin v: thng bo thay i s d ti khon thanh ton, thng bo cc sn phm mi, chng trnh khuyn mi, thng tin hng dn lin quan n dch v ca Techcombank. nng: Thanh ton ha n hng ha, dch v Np tin cho thu bao di ng tr trc Thanh ton cc ph i vi thu bao tr sau Chuyn khon gia cc ti khon trong Techcombank Tra cu lit k giao dch, t gi hi oi. Dch v F@st I-Bank vi cc tnh nng y l dch v mua v my bay, thanh ton cc ha n in, nc thng qua
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Dch v thanh ton qua tin nhn in thoi di ng (F@st Mobipay) vi cc tnh
my tnh kt ni Internet. Chuyn khon trong v ngoi Techcombank Thanh ton d n th tn dng v cc ha n hng ha, dch v
65
Gi tin tit kim ti Techcombank vi li sut u i ng k trc tuyn thng tin vay vn v cc dch v th ti Techcombank. Phn tch v nhn nh Techcombank l ngn hng hng u trong vic kt ni vi cc n v khc trong
3.
h thng thanh ton trc tuyn, hu ht tt c c v in t u c kt ni vi Techcombank. Cc sn phm th, my POS, my ATM ph khp cc thnh ph ln v c bit mnh nht ti H Ni cho thy phn khc th trng ca Techcombank ti Min Bc kh mnh. S nng ng ca Techcombank gp phn vo s pht trin h thng thanh ton trc tuyn ni chung v to ra hiu ng sn phm th ni ring trn ton th trng. Mng li hot ng ca Techcombank rng khp vi rt nhiu chi nhnh, phng giao dch trn ton quc. ng thi, Techcombank c rt nhiu chnh sch khuyn mi v u i khch hng v vy lng khch hng ca Techcombank rt ln. Hin nay, Techcombank v Vietcombank l 2 i tc ln nht ca Smartlink. Cc sn phm th ca Techcombank c u im ni bt khc l thanh ton v my bay Vietnam Airlines. y l dch v do Vietcombank v Smartlink trin khai m Banknetvn cha c. XIX. NGN HNG TMCP QUN I (MBB) 1. Tng quan Ngn hng TMCP Qun i (MB) chnh thc c thnh lp v i vo hot ng ngy 4/11/1994. Tr s chnh ca MB ta lc ti S 3 ng Liu Giai, Qun Ba nh, thnh ph H Ni. 14 nm qua MB lin tc gi vng v th l mt trong nhng ngn hng TMCP hng u ti Vit Nam. C ng chnh ca MB gm: Cng ty vt t cng nghip B quc phng (GAET) Tng cng ty bay dch v Vit nam Tng cng ty xy dng Trng Sn Cng ty Tn Cng
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Ngn hng ngoi thng Vit nam(Vietcombank) Mng li chi nhnh: Trn 80 im giao dch ti hu ht cc tnh trn c nc. Cng ty thnh vin Cng ty C phn chng khon Thng long (TSC). Cng ty Qun l qu u t Chng khon H ni (HFM) Cng ty qun l n v khai thc ti sn(AMC). Cng ty C phn a c MB (MB Land)
2.
Sn phm, dch v th v thanh ton
Th Active Plus: Bao gm: Hng bc, Hng vng, Hng c bit Tnh nng c bn c s dng dch v ngn hng hin i: HomeBanking, eMB. Thanh ton qua h thng POS. Thanh ton trc tuyn qua cc website: Baokim.vn, pay.zing, vio.com.vn Tt c cc KH (trong tui lao ng) s dng th u c bo him an ton c Bo him cho nhng tai nn bt ng xy ra trong hc tp, lao ng v sinh hot,
nhn (Bo him MIC) min ph trong vng 1 nm u tin k t ngy pht hnh th. quyn li bo him c lp khng nh hng n bt k hp ng bo him khc ca ch th. Mc trch nhim ti a: 10.000.000 VN. Thu chi ti khon ti 5 ln thu nhp hng thng ti a 100 triu ng, vi thi hn thu chi ti a l 12 thng. Th Bankplus Th Bankplus sn phm th ghi n ni a lin kt gia Tp on Vin thng Qun i Viettel v MB. Th c in trc cha c thng tin khch hng, thng tin khch hng c cp nht sau khi KH ng k pht hnh th Bankplus. Tnh nng ni bt: Thc hin cc giao dch chuyn tin qua ngn hng, qua in thoi, chuyn tin
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vo v in t.
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S dng dch v Billing vi Viettel, bao gm: Thanh ton cc di ng tr sau,
np tin cho thu bao tr trc, thanh ton cc ADSL, thanh ton cc Homephone v ha n khc. Th MB Private/ MB VIP Th MB Private: L th pht hnh ring cho cc i tng Khch hng Super VIP theo quy nh Ch th MB Private c hng cc chnh sch u i v chm sc c bit theo ca MB. quy nh ca MB. Th MB VIP: L th ghi n ni a pht hnh ring cho cc i tng Khch hng VIP v VIP Th c thi gian s dng 1 nm. Rt tin mt ti hn 8,000 my ATM c logo Banknetvn, Smartlink v VNBC trn Thanh ton hng ha, dch v ti cc n v chp nhn th Thc hin cc giao dch chuyn khon/vn tin s d/sao k giao dch... trc tip c s dng dch v ngn hng hin i: HomeBanking, eMB, Mobile Thanh ton trc tuyn qua cc website: Baokim.vn, pay.zing, vio.com.vn Khch hng s hu th MB Private/MB VIP s c phc v ring bi G/ Tr l G QHKH v mi vo giao dch ti phng tip khch MB Private ti cc Chi nhnh. Th New Plus Th New Plus l th tr trc ng thng hiu c pht hnh theo s tha thun
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tim nng theo quy nh ca MB. Tnh nng: ton quc.
trn my ATM ca MB. Banking,
2.1. -
gia MB v Cng ty Tn Cng Si Gn, nhm phc v cho vic thanh ton ph logistic ti cng Tn Cng.
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Sn phm gm 02 loi th: Th tr trc xc nh danh tnh (th tr trc nh Th tr trc v danh: S d trn mt th tr trc v danh khng c vt qu Th tr trc nh danh: S d trn mt th tr trc nh danh ty thuc vo s
danh) v th tr trc khng xc nh danh tnh (th tr trc v danh) nm triu ng Vit Nam, ch c np tin 1 ln. tin khch hng np vo ti khon th tr trc, c np tin nhiu ln. Tnh nng 2.2. Cho php ch th New Plus c s dng cc dch v ngn hng: rt tin, xem s Khng cn m v duy tr ti khon ti MB. Khng cn duy tr s d ti thiu trong th. Thanh ton ph logistic ti cng: Tn Cng Ct Li Th sinh vin Th sinh vin l mt dng sn phm ca th Active Plus, c tnh nng v hn mc Th c chc nng ca mt th ngn hng v c chc nng ca th sinh vin. Ch pht hnh th chnh, khng pht hnh th ph v ch c mt hng th duy nht Thi gian hiu lc ca th l 4 nm. d, tra cu 5 giao dch gn nht, thanh ton mua sm hng ho ti cc my POS.
ca th ActivePlus. -
dnh cho sinh vin l hng th chun tng ng vi hng Diamond ca th Active Plus. Tnh nng ni bt Rt tin mt ti hn 8,000 my ATM c logo Banknetvn, Smartlink v VNBC trn ton Ngoi nhng tnh nng c bn ca th ghi n ni a, th sinh vin cho php ch th ra vo th vin, cung cp y thng tin lin quan n sinh vin (nh nhn dng, h tn, ngy sinh, trng, lp, khoa, kha hc). Th MB Visa MB Visa Credit loi th thanh ton quc t mang logo ca T chc Th Quc t Visa do MB pht hnh cho Khch hng, cho php Khch hng s dng th giao dch trong phm vi hn mc tn dng c Ngn hng cp ti cc n v chp nhn th v ATM c trng by logo Visa ti Vit Nam v trn ton th gii.
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Th tn dng Quc t Visa do MB Pht hnh gm 02 hng: Hng chun v hng vng. Tnh nng ni bt Mua sm, chi tiu, i du lch vi hn mc tn dng tun hon cao nht th trng Thanh ton hng ha dch v, ng tin mt ti tt c cc im giao dch ATM & H tr bo him du lch ton cu ln ti 60.000$. Mc thanh ton ti thiu thp: 8%. Tch hp cng ngh th chip nn c bo mt v an ton cao Khch hng c chi tiu trc, tr tin sau, hng ti a 45 ngy tn dng khng Dch v ngn hng in t eMB: Bao gm cc tnh nng nh truy vn nht k truy cp, thng tin s d ti Vit Nam hin nay, ti a ln n 500.000.000 VN. POS c biu tng Visa trn ton th gii.
li sut. 2.3. -
khon, truy vn cc giao dch trong ngy, tm kim giao dch, tit kim in t, chuyn tin gia cc ti khon ca khch hng, chuyn tin trong v ngoi h thng MB, chuyn tin theo l eSaving: y l sn phm khng k hn nhm gia tng tin ch cho ch th. Khch hng c th giao dch bt c u thng qua ti khon in t. S lin thng gia ti khon in t v ti khon thanh ton khin cho khch hng khng cn phi duy tr mt s d trong ti khon in t, ng thi c hng mc li sut hng nm l 4% v c chuyn tin linh ng gia hai ti khon. Bankplus: Sn phm ng thng hiu gia MB v cng ty vin thng Viettel, cc knh thanh ton bao gm: H thng cc im giao dch ca MB v Viettel trn ton quc, h thng my ATM, POS ca MB v cc ngn hng lin kt trn ton quc v qua in thoi di ng. Dch v ny cho php chuyn tin trong v ngoi h thng trn in thoi di ng, chuyn tin vo V in t trn in thoi di ng, np tin cho thu bao di ng tr trc, thanh ton ha n cho thu bao tr sau, ADSL ca Viettel trn di ng.
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Dch v thanh ton trc tuyn: cho php ch th ghi n ni a ca MB thc hin
vic thanh ton trc tuyn tin mua hng ha, dch v trn cc website ca cc nh cung cp hng ha, dch v nh hng hng khng, trung tm mua sm, rp chiu phim. Dch v SMS Banking: S dng dch v ny khch hng c th nhn thng bo s d t ng khi pht sinh giao dch, xem thng tin t gi, truy vn a im. Phn tch v nhn nh
3.
NH TMCP Qun i hin ang l NHTV ln ca Smartlink v hin ang hon tt quy trnh gia nhp Banknetvn. Theo bng xp hng 500 DN ln nht VN, MB xp th 78 ch sau nhng NH ln nh Agribank, Vietinbank, BIDV, ACB, Vietcombank, Techcombank v Sacombank. Vi tm nhn tr thnh mt trong nhng ngn hng tt nht Vit Nam, hng ti v tr top 3, cng vi mng li rng, cc sn phm dch v pht trin, MB ngy cng pht trin v chim v tr vng chc trn th trng. Cc sn phm th ca MB a dng v th loi v c s phn hng theo tng i tng khch hng nh MB private, th sinh vin Th MB Bankplus cng l mt im nhn trong cc sn phm th ca MB, y l loi th u tin l sn phm ng thng hiu gia mt ngn hng v mt cng ty vin thng (Viettel). Mt khc, cc dch v gia tng i km sn phm th ca MB rt phong ph v dch v ngn hng in t pht trin eMB, eSaving, SMS Banking. nhm em li tin ch ti a cho khch hng. Nhn chung, MB tr thnh ngn hng thnh vin ca Banknetvn l mt u th ln nhm m rng mng li kt ni ca Banknetvn.
XX. 1.
NGN HNG TMCP DU KH TON CU (GPBANK)
Tng quan
c thnh lp t ngy 07/11/2005, Ngn hng TMCP Du Kh Ton Cu (GP.Bank), tin thn l Ngn hng TMCP nng thn Ninh Bnh n nay c s pht trin mnh m vi gn 80 chi nhnh/phng giao dch/qu tit kim trn ton quc. GP.Bank l mt trong nhng ngn hng u tin ng dng thnh cng phn mm H thng Ngn hng li T24 (Core Banking) ca hng Temenos ca Thy S, vi kh nng x l trn 10.000 giao
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dch/giy. Hin nay, ngn hng ny cng ang trin khai nng cp phn mm ngn hng li T24 ln phin bn mi nht (R9). C th thy ngn hng GP-Bank hin ang c nhng chnh sch kh ng n khi u t cho ngn hng mnh. Sn phm th 1.1. Th Trc Cng chung t tng pht trin h thng th da trn nhng ngun lc sn c nh NaviBank, GP-Bank cng pht trin sn phm th Trc l th lin kt gia GP.Bank v i tc l cc trng i hc/Cao ng, cc Cng ty, Hip hi, T chc, c nhu cu pht hnh th nhn din, th i din cho Cn b/Hc vin/Hi vin ... ca t chc . 1.2. Th Mai ng thi GP-Bank cng pht hnh sn phm th ghi n ni a ring ca mnh vi tn gi th Mai vi 3 hng th l Mai Xanh, Mai Vng v Mai Bch Kim. Th Mai Xanh l hng th ph thng vi mu xanh nng ng dnh cho cc khch hng c nhu cu s dng th thng xuyn, phc v nhu cu tiu dng hng ngy. Th Mai Vng vi mu vng lch thip dnh cho cc khch hng c nhu cu giao dch vi gi tr ln v thng xuyn. Th Mai Bch Kim vi mu sng bch kim sang trng l sn phm dnh cho cc khch hng c nhu cu chi tiu cc dch v cao cp v lng tin tiu dng ln. 1.3. Th Lan v th Cc Hin ti GP-Bank vi h thng th Lan th Visa v th Cc th CUP ang trin khai, c th thy r nh hng pht trin h thng th ca GP-Bank kh bi bn tuy cha mnh m nh nhng ngn hng khc. Vi tinh thn u t chuyn nghip c nh hng r rng, c th t k vng ln vo vic hp tc gia GP-Bank v cc t chc chuyn mch ti chnh nh Banknetvn. Dch v th Internet Banking Dch v Internet Banking ca ngn hng GP-Bank c thc hin trn trang web chuyn bit https://ib.gpbank.com.vn/GIB/SignInWithVK.aspx . Vi nn tng ngn hng li T24, cc giao dch nh vn tin v chuyn khon ni b qua trang web ny cng c thc hin kh nhanh chng.
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Mobile banking Vi c php n gin c thc hin qua tng i 6089, ch th GP-Bank ng thi s dng mng di ng ca S-fone, Mobifone v Viettel c th thanh ton cc in thoi trc tip qua ti khon th. SMS Banking Tng i 6089 cng gip cho ch th GP-Bank nhn thng tin v ti khon nh truy vn s d, truy vn chi tit 03 giao dch gn nht, truy vn chi tit giao dch theo ngy m khng cn n cy ATM hay ngn hng. Hin ti, ngn hng GP-Bank ang trin khai dch v Home Banking v Phone Banking. Dch v Phone Banking tng t nh ngn hng Navibank, gip khch hng c th truy nhp thng tin ca ti khon t in thoi c nh ca mnh. Phn tch v nhn nh GP-Bank l mt ngn hng thng mi c phn tng i nng ng. Tuy thi gian gn y ngn hng ny ch trng nhiu n hot ng m rng chi nhnh song tin rng trong thi gian ti hot ng th ghi n ni a ca n v ny s tng phn si ng. Banknetvn gi bn xut dch v chuyn mch vi GP Bank, hi vng trong thi gian ti, GP Bank s tr thnh mt trong nhng ngn hng thnh vin ca Banknetvn.
XXI. NGN HNG TMCP NAM VIT (NAVIBANK) 1. Tng quan c thnh lp t nm 1995, Ngn hng TMCP Nam Vit (NAVIBANK) khng nh c v tr ca mnh trn th trng ti chnh tin t th hin qua s tng trng nhanh chng v n nh c v quy m tng ti sn, vn iu l ln hiu qu kinh doanh. Hin nay ton b cc mng hot ng nghip v ca NAVIBANK u c chun ha trn c s cc chun mc quc t thng qua vic trin khai vn dng H thng qun tr ngn hng ct li (core banking) Microbank. 2. Sn phm, dch v th 2.1. Th lin kt
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Tng t nh EximBank, ngn hng NaviBank cng tn dng ti a c hi lin kt vi nhng n v khc nhm tn dng ti a ngun lc c th. Tiu biu l hai loi th lin kt. Th Navifan do Cu Lc B Bng Navibank Si Gn kt hp cng Ngn Hng TMCP Nam Vit (Navibank) pht hnh dnh cho nhng ngi yu thch v hm m bng . Th lin kt Payoo l sn phm Th hp tc gia Navibank v Payoo nhm cung cp cho cc khch hng nhng u i c bit n t i tc Payoo. ng thi NaviBank cng pht trin h thng th ghi n v th tn dng ni a mang thng hiu ca chnh ngn hng ny. 2.2. Th ghi n ni a Th ghi n ni a do NaviBank pht hnh NaviCardDebit l mt phng tin thanh ton khng dng tin mt. Khch hng s s dng trc tip s tin trn ti khon tin gi ca mnh ti NaviBank. 2.3. Th tn dng Th tn dng ni a do NaviBank pht hnh NaviCardCredit l mt phng tin thanh ton khng dng tin mt, cho php ch th s dng trc ngun vn ca Ngn hng Chi tiu trc Tr tin sau vi thi hn u i khng tnh li t 15 n 45 ngy to s an tm v tin cy mi lc mi ni. 2.4. Dch v th L knh dch v cung cp cho khch hng cc thng tin t ng lin quan n sn phm dch v ca Navibank nh thng tin v li sut, t gi hi oi, thng tin v cc chng trnh khuyn mi, thng tin ti khon ca khch hng, thng qua s in thoi 08.38 423 423. Vi dch v ny, khch hng c th truy vn thng tin ang quan tm d bt c u m khng cn trc tip n Ngn hng. Dch v ny c u im l ph hp vi nhng khch hng khng quen s dng in thoi di ng. SMS Banking
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Dch v Phone Banking
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Dch v SMS Banking ca NaviBank hin vn ch dng li hnh thc nhn tin thng tin ti khon v cc thng tin khc ti ch th. Tm thi ch th vn cha c tng tc nhiu vi ngn hng. V in t Payoo V in t Payoo l sn phm ca Cng ty C phn Dch v Trc tuyn Cng ng Vit VietUnion, cng ty thnh vin ca Tp on u t Si Gn - Saigon Invest Group (SGI). y l mt trong nhng dch v gi tr gia tng ca th NaviCard. VnTopUp Dch v VnTopup l dch v cho php ch th NaviCard trch tin t ti khon ATM np tin trc tip vo ti khon in thoi di ng tr trc ca mnh v thanh ton cc cho thu bao tr sau m khng cn dng th co hay m s np tin. Ngoi vic c th t np/thanh ton tin cho thu bao di ng ca chnh mnh, ch th NaviCard cn c th s dng dch v VnTopup np/thanh ton tin cho cc thu bao di ng khc ca cc mng vin thng khc nhau. Internet Banking Dch v Internet Banking ca ngn hng NaviBank c thc hin trc tip trn trang website www.navibank.com.vn . Hin ti dch v ny vn ang trong qu trnh nng cp. Phn tch v nhn nh Ngoi nhng sn phm th thanh ton ni a trn th hin ti NaviBank vn cha pht hnh h thng th thanh ton quc t. C th nhn thy NaviBank l mt c hi tt cho cc t chc chuyn mch ti chnh nh Banknetvn m rng h thng thanh ton ca mnh.
XXII. NGN HNG TMCP QUC T VIT NAM (VIB) 1. Tng quan Ngn hng TMCP Quc T Vit Nam, tn vit tt l Ngn hng Quc T (VIB) c thnh lp ngy 18 thng 9 nm 1996, tr s t ti 198B Ty Sn. Q. ng a H Ni. VIB l ngn hng nm trong lin minh th Smartlink 2. Sn phm, dch v th
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Th tr trc ni a y l loi th tr trc ni a u tin pht hnh ti Vit Nam. Th c s dng thanh ton hng ha dch v, rt tin ti tt c c im chp nhn th hoc ATM ca VIB v mt s ngn hng trong lin minh th Smartlink m khng cn m ti khon thanh ton Th ghi n ni a VIB Values Tin ch: 2.1. Giao dch an ton 24/7 ti hn 10.000 my ATM v hn 40.000 my POS ca cc Hn mc rt tin cao ln n 30 triu/ngy Chuyn khon thun tin qua h thng ATM Thanh ton ha n hng ha dch v ti h thng POS ca VIB v cc Ngn hng
ngn hng trong lin minh th Smartlink, VNBC v Banknetvn trn ton quc
trong h thng Smartlink, VNBC v Banknet Cp nht thng tin ti khon qua dch v SMS Banking Th tn dng quc t VIB Chip MasterCard
Tin ch: Thanh ton ton cu an ton cao vi cng ngh th Chip Chi tiu trc tr tin sau vi li sut 0% v thi hn ln n 45 ngy Hn mc tn dng ln n 200 triu Min li ti a ln ti 45 ngy k t ngy pht sinh cc giao dch thanh ton hng
ha dch v nu thanh ton ng hn v y Nhn thng bo giao dch qua dch v SMS Banking. Dch v ngn hng in t Ngn hng trc tuyn VIB4U
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Tin ch Chuyn khon cho mt hoc nhiu ti khon cng lc Chuyn khon cho mt hoc nhiu ti khon cng lc Chuyn khon ngay, theo nh k hoc trong tng lai
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VIB sau
Chuyn khon ti cc ngn hng khc trong nc Np th in thoi tr trc, np Ngn lng, Vcoin, np th tr trc quc t ca Thanh ton cc ha n in thoi c nh, di ng, m t ch hng khng tr
Mua v my bay VietnamAirlines, Jetstar Parcific, Air Mekong v AirAsia Mua v xem phim Megarstar, mua v tu xe, mua hng ha trc tuyn Mua hng ha trc tuyn ti cc ch in t c uy tn Gi Silver4U: Cung cp cc tin ch Truy vn, khng cn OTP Gi Easy4U: y tnh nng (gm truy vn v giao dch ti chnh), ly OTP qua Gi Gold4U: y tnh nng (gm truy vn v giao dch ti chnh), ly OTP qua Ngn hng di ng Mobile Banking
Dch v Ngn hng trc tuyn VIB4U chia thnh cc gi dch v: SMS
Token key Dch v Mobile Banking ca VIB cung cp nhng tin ch a dng nh truy vn thng tin ch ng, thng bo s d t ng, np tin in thoi di ng qua SMS. V in t VIB Mobiv Mua hng ha trc tuyn (Mua th in thoi vi cc mnh gi th np ca tt
Tin ch: c cc mng vin thng, mua th games, gia dng, cc thit b in t, qu tng lu nim, sch, truyn...) Thanh ton cc, ha n tr sau (cc di ng tr sau, cc in thoi c nh, Thanh ton hc ph (Hin ti VIB trin khai dch v ny ti Trng i hc Chuyn khon gia cc v trong v ngoi h thng VIB. Np tin t ti khon ngn hng vo v in t Rt tin t v v ti khon ngn hng
truyn hnh cp, ADSL, ha n in, nc...) Ngoi Thng H Ni, Trng i hc Ngoi Thng TPHCM...)
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3.
Phn tch v nhn nh
VIB lun n lc khng ngng mang n khch hng nhng sn phm, dch v an ton v cht lng. VIB ng thi l ngn hng c uy tn trn th trng. Va qua, VIB c trao tng Gii thng Doanh nghip dch v tt nht nm 2011 i vi dch v Tit kim v ATM theo kt qu ca cuc thm d d lun do bo Si Gn tip th tin hnh. Mc d cc sn phm th ca VIB cha a dng v th loi nhng VIB tp trung pht trin cc dch v gia tng nh SMS Banking, Mobile Banking, v in t..ng thi, VIB c nh gi l ngn hng c cht lng phc v rt tt, gy n tng i vi khch hng s dng dch v.
XXIII.
NH TMCP XUT NHP KHU VIT NAM (EXIMBANK)
1. Tng quan c thnh lp vo ngy 24/05/1989, Ngn hng TMCP Xut Nhp Khu Vit Nam (Eximbank) hin l mt trong nhng Ngn hng c vn ch s hu ln nht trong khi Ngn hng TMCP ti Vit Nam. Tnh n ngy 31/12/2010, a bn hot ng ca EximBank tri rng khp c nc vi Tr S Chnh t ti TP. H Ch Minh v 183 Chi nhnh, phng giao dch trn khp c nc. 2. Sn phm, dch v th 2.1. Sn phm th Tng t nh VietinBank, EximBank cng ch trng u t vo cc sn phm th bao gm th ghi n ni a v thanh ton quc t. im khc bit ln nht l EximBank tp trung pht trin nhiu sn phm th thanh ton quc t nh EximBank Visa Debit, EximBank Visa, EximBank - Visa Platinum, EximBank-Visa Business, v EximBank-Teacher Card (sn phm lin kt gia EximBank v Master Card). Th V-TOP L th ghi n ni a c EximBank pht hnh cho khch hng s dng thanh ton tin hng ha, dch v hoc rt tin mt. Th V-TOP VIP
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L th ghi n ni a c pht hnh cho khch hng VIP ca EximBank. Ngoi tnh nng ca th ghi n ni a, th V-TOP VIP cn dng nhn din khch hng VIP khi n giao dch ti cc im giao dch trong h thng v cc i tc ca EximBank; th VTOP VIP c th c s dng song song vi th V-TOP. Vic phn chia khch hng thnh hai i tng ph thng v c bit bng V-Top v V-Top VIP th hin r chin lc pht trin da trn nn tng lien kt ca EximBank. u im l t phi u t, d thay i. Nhc im r rng l kh thc hin cc chng trnh chm sc khch hng s dng th ni a ca ngn hng. Nhc im ny c EximBank khc phc kh linh hot bng mt lot cc th ng thng hiu. Th lin kt Eximbank C Y t ng Nai L th sinh vin ca trng Cao ng Y t ng Nai, tch hp chc nng thanh ton ca th ghi n ni a (V-TOP) do Ngn hng TMCP Xut nhp khu Vit Nam pht hnh cho sinh vin ca trng Cao ng Y t ng Nai s dng cc u i v tin ch ca hai bn. Th ng thng hiu Eximbank Qung Long L th hi vin ca Qung Long, tch hp chc nng thanh ton ca th tr trc ni a (v danh hoc nh danh) do Eximbank pht hnh cho khch hng ca Qung Long. Th ng thng hiu Eximbank - Citimart (th tr trc) L th tr trc ni a (nh danh hoc v danh) do Eximbank pht hnh cho khch hng ca Cng ty TNHH
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TM DV ng Hng (Citimart). Th ng thng hiu Eximbank - Best Carings L th ghi n ni a c Eximbank pht hnh cho khch hng ca Best Carings s dng cc u i v tin ch ca hai bn. Th ng thng hiu Eximbank Dai-ichi Life L th Hi vin ca Dai-ichi Life, tch hp chc nng th thanh ton ca th tr trc ni a v danh (th Prepaid) do Ngn hng TMCP Xut nhp khu Vit Nam pht hnh cho khch hng ca Dai-ichi Life. Bn cnh lng th ni a c pht trin kh sng to, EximBank cng pht trin h thng th thanh ton quc t gm rt nhiu sn phm chuyn bit. Th Eximbank - Visa Debit L th ghi n quc t c EximBank pht hnh cho khch hng s dng thanh ton tin hng ho, dch v hoc rt tin mt. Th tn dng quc t EximBank - Visa Th tn dng quc t Visa c EximBank pht hnh cho khch hng s dng thanh ton tin hng ha, dch v hoc rt tin mt vi tnh nng Chi tiu trc, tr tin sau. Th tn dng quc t EximBank - Visa Platinum Th tn dng quc t EximBank-Visa Platinum l loi th tn dng cao cp do EximBank pht hnh cho khch hng s dng thanh ton tin hng ha, dch v hoc rt tin mt vi cc c quyn ng cp, dch v sang trng cng nhng
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tin ch ni tri. EximBank-VisaBusiness
L th tn dng quc t dnh cho Doanh nhn, thnh vin ca Doanh nghip vi hn mc tn dng c EximBank cp cho Doanh nghip. Th Teacher Card Th tn dng quc t EximBank-Teacher Card vi hnh thc min ti sn m bo l th c bit nhm ti i tng gio vin ca ngn hng EximBank. Dch v th Dch v chuyn tin lin ngn hng qua th L dch v gi tr gia tng c trin khai t thng 9 nm 2011 ca EximBank. S dng dch v ny, ch th ni a EximBank c th chuyn tin nhanh chng sang cc ngn hng khc thuc lin minh SmartLink. u im ca dch v ny l ch th th hng nhn c tin chuyn ngay ti thi im chuyn tin. Dch v thanh ton trc tuyn y l sn phm do EximBank kt hp vi Smartlink v OnePay thc hin. So vi VietinBank th hin ti EximBank pht trin h thng thanh ton trc tuyn tng i y vi danh sch cc website chp nhn thanh ton c cp nht lin tc. SMS Banking Dch v SMS Banking ca EximBank cng c phn tng i y hn so vi VietinBank nh h thng c php kh r rng, c ng ti trn website chnh thc ca ngn hng ny. Phn tch v nhn nh Vi h thng th ghi n v tn dng ny c th thy EximBank ang tn dng ti a ngun lc ca cc t chc lin kt cng nh u th ring ca ngn hng ny.
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Eximbank cung cp y cc dch v ca mt ngn hng tm c quc t. Eximbank mang n khch hng nhiu loi th a dng v phong ph. c bit, EIB tp trung pht trin cc loi th tn dng ni a v quc t: Eximbank MasterCard, Eximbank Visa, th ni a Eximbank Card.Dch v gia tng i km th cng mang li nhiu tin ch cho khch hng, Eximbank pht trin Home Banking, Mobile Banking v SMS Banking. Theo danh sch xp hng 500 doanh nghip ln nht Vit Nam, EIB xp hng th 82 ch xp sau cc ngn hng l: Agribank, BIDV, Vietinbank, Vietcombank, Techcombank, ACB, Sacombank v MB. Nhn chung, Eximbank l mt ngn hng ln v uy tn trn th trng. NGN HNG TMCP PHNG NAM (SOUTHERN BANK)
XXIV. 1.
Tng quan
c thnh lp vo nm 1993 vi vn iu l ban u l 10 t ng. n nay, Ngn hng Phng Nam tr thnh mt ngn hng thng mi c phn pht trin mnh, bn vng v to c nim tin ca khch hng: vn iu l Ngn hng Phng Nam l 3.212.479.980.000 ng, mng li hot ng 142 chi nhnh, phng giao dch v cc n v trc thuc trn ton quc; tng ti sn t hn 72.159.068 t ng. 2. Sn phm v dch v th Ngn hng Phng Nam cung cp 2 hng th nh sau: Chun, c bit Tin ch v tnh nng

Ct gi tin ca bn an ton tuyt i. Tin trong ti khon th lun c sinh li hng ngy. Cp nht nhanh thng tin ti khon qua dch v Internet Banking. Thanh ton hng ho, dch v ti cc im chp nhn th trn ton quc Dch v u thc chi lng qua th thun tin cho cc n v tr lng nhm trnh
ri ro, mt mt do vic s dng tin mt mang li nh tin gi, mt cp, tht thot trong lu thng, vn chuyn nh tin mt.ng thi, bo mt thng tin v tin lng cho mi cn b nhn vin.
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Min ph pht hnh th u i cho cc n v tr lng.

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Thanh ton lng qua th Dch v chi lng qua th Southern Bank l dch v hp tc gia Ngn hng Phng Nam v n v tr lng trong Ngn hng Phng Nam cung ng cc dch v v ti khon, dch v th chi tr lng cho cn b nhn vin. Cn b nhn vin ca n v chi lng c th s dng th Southern Bank nhn tin lng ti cc im giao dch ca Southern Bank hoc thc hin cc giao dch rt tin, vn tin, in sao k hot ng ti khon... ti my ATM hay thanh ton cc khon chi tiu hng ha dch v ti cc im chp nhn th Southern Bank trn ton quc. 3. Phn tch, nhn nh Mng dch v th thanh ton ca Southernbank cn kh n gin v tin ch v danh mc sn phm cha a dng. PNB cha c lin kt vi t chc pht hnh v thanh ton th quc t. L ngn hng c vn ln vi mng li chi nhnh rng khp (145) PNB cha c pht trin mnh mng dch v th thanh ton v sc cnh tranh v cht lng v tnh nng dch v l cha cao so vi cc ngn hng khc.
XXV. NGN HNG TMCP PHT TRIN NH TP.HCM (HDBank) 1. N/A 2. 2.1 Sn phm, dch v th Th tn dng quc t: HDBANK MASTER CARD Mang tt c nhng tnh nng ca th tn dng quc t v chp nhn thanh ton, Ph thng nin: 90,000-200,000 Ph rt tin mt ti ATM HDBANK v VIETIN BANK: 2% STGD+25,000 Ph rt tin mt ti ATM #: 4% STGD, ti thiu 55,000. Th thanh ton ni a Th thng minh HDCARD: L th thanh ton ni a vi cc tnh nng thng thng nh cc th thanh ton
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Tng quan
mua hng ti cc im c biu tng MASTER CARD 2.2 -
khc, th thng minh HD Card l loi th chip EMV vi bo mt an ton cao.

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Khch hng c th s dng ti khon th thng minh thanh ton ha n,thanh
ton trc tuyn, np tin in thoi Topup. Ch th ch cn ng k dch v SMS Banking hoc Ebanking thc hin cc giao dch trn an ton v tin li. Th ng thng hiu Securities Card, ng thng hiu vi cng ty chng khon L th thanh ton ni a lin kt vi cng ty chng khon, qua cc ti khon
Ph Gia. khch hng s c hng cc dch v u i nhanh nht nh ng tin bn chng khon trc tuyn v ti khon ngn hng nhanh nht. Np cc loi ph, quyn mua ti ti khon chng khon v c bo m nh mt ti sn cm c. 2.4. Dch v ngn hng in t HD Bank cng hp tc vi OnePay v Smartlink trong vic a ra dch v gia tng thanh ton trc tuyn qua ti khon th, ti khch hng c th thanh ton thun tin ti cc trang web bn hng, dch v lin kt vi OnePay v Smartlink. Dch v eBanking cung cp cc tin ch: tra cu s d ti khon, lch s giao dc, chuyn tin trong v ngoi ni b HDBank, xem thng tin giao dch, np tin in thoi di ng tr trc, thanh ton ha n di ng tr sa, Interrnet, homephone, cc v my bay Jetstar/Air Mekong. Dch v mBanking: l dch v dnh cho khch hng s dng in thoi c th truy
cp Internet cung cp thng tin li sut, t gi, cc dch v trc tuyn (chuyn tin, tra cu s d) trn mobile website ca HDBank. SMS Banking: tra cu s d, t gi, li sut, nhn thng bo bin ng s d, np Thanh ton trc tuyn: l dch v h tr khch hng khi mua hng ha ti cc tin cho thu bao tr sau Mobiphone, Viettel, thanh ton ha n vin thng. website bn hng c lin kt thanh ton trc tuyn vi HDBank c th thanh ton ngay tin mua hng bng cch tr tin t ti khon Th thng minh HD Card VnTopup: dch v np tin in thoi di ng bng nhn tin hoc Internet banking.
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Dch v chuyn tin lin ngn hng qua th: dch v ny cho php chuyn tin lin
ngn hng n cc ch th ca cc ngn hng: Vietcombank, ACB, Sacombank, Eximbank, TienPhongBank v SHB. 3. Phn tch v nhn nh HD Bank l ngn hng tp trung vo mng ti chnh php l bao gm huy ng vn ngn hn, trung hn, di hn, cho vay, dch v thanh ton Cc sn phm th ca HD Bank tp trung cung cp cho khch hng dch v thanh ton. HD Bank cng pht trin y cc dch v ngn hng in t Internet Banking, SMS Banking. Hin nay, HD Bank tr thnh mt trong nhng ngn hng c uy tn v tim lc ti chnh vng mnh trong lnh vc ti chnh ngn hng.
XXVI. 1.
NGN HNG TMCP HNG HI (MARITIME BANK)
Tng quan
Ngn hng TMCP Hng Hi Vit Nam chnh thc khai trng v i vo hot ng ngy 12/07/1991 ti Hi Phng. Cc c ng sng lp: Cc Hng Hi Vit Nam, Tng Cng ty Bu chnh Vin thng Vit Nam, Cc Hng khng Dn dng Vit Nam. Ban u, Maritime Bank ch c 24 c ng, vn iu l 40 t ng v mt vi chi nhnh ti cc thnh ph ln nh Hi Phng, H Ni, Qung Ninh, TP.HCM. n nay, Maritime Bank tr thnh 1 NHTMCP pht trin mng, bn vng v to c nim tin i vi khch hng. Tnh n thng 6/2011, Maritime Bank c vn iu l ln ti 7.000 t ng v tng ti sn t gn 130.000 t ng. Mng li hot ng n cui nm 2011 ln ti 320 im giao dch. 2. 2.1. Sn phm, dch v th Th M1 Account Sn phm ny l s kt hp trn gi cc dch v: ti khon khng k hn li sut cao nht Vit Nam, dch v Internet Banking & Mobile Banking, min ph mi giao dch. c im: minh
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Rt tin ti hn 12.000 ATM ca Maritime Bank v cc ngn hng trong lin
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2.2. 2.3.
Min ph hon ton dch v Internetbanking, Mobile banking bao gm c chuyn Mua sm hng ho qua mng li my POS. Li sut leo thang 10%/nm Phi duy tr s d ti thiu hng thng l 100.000 ng Phng ring cho khch hng u tin T vn v chm sc bi i ng nhn vin chuyn nghip Th Mmoney Rt tin, truy vn s d ti khon, in sao k, mua sm hng ho qua mng li
khon lin ngn hng.
Tnh nng:
my POS. Min ph hon ton dch v Internetbanking, Mobile banking bao gm c chuyn Li xut bc thang cao nht l 5%/nm Phi duy tr s d ti khon l 55.000 ng Th M+ Th thanh ton quc t M+ ca Maritime Bank vi nhng tnh nng linh hot v p ng nhu cu ca nhiu i tng khch hng bao gm hai hng th: th Hng Vng v Hng Chun tng ng vi hn mc giao dch khc nhau, p ng nhu cu a dng ca khch hng. Tnh nng 2.4. Giao dch trc tuyn, t hng qua th, qua in thoi c pht hnh th ph v ch th ph c hng nhng u i tng ng Th c th lin kt vi nhiu ti khon, ti a ln ti 14 ti khon Mua sm v du lch vi 06 quyn li bo him c tng min ph cho ch th. Dch v ngn hng in t Dch v thanh ton ha n: Thanh ton cc ph tr sau cho cc nh cung cp
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khon lin ngn hng.
vi ch th chnh.
dch v in thoi di ng tr sau, in thoi c nh, ADSL, Hng khng (AirMekong,

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JetStar) v mt s nh cung cp khc (muachung.vn) thng qua h thng Internet Banking, Mobile Banking Dch v thanh ton trc tuyn E-Paynow: l dch v cho php ch th M1 c th thc hin vic thanh ton trc tuyn tin mua hng ha dch v trn website bn hng ca cc nh cung cp hng ha, dch v: hng hng khng, trung tm mua sm, rp chiu phim Topup: dch v np tin vo ti khon tr trc ca cc Nh cung cp dch v in Np tin vo VTC Paygate: Dch v np tin trc tuyn vo ti khon VTC thoi di ng thng qua h thng Internet Banking, Mobile Banking. Paygate c Maritime Bank trin khai gip thanh ton trc tuyn, mua bn hng ha online trn nhiu website thng mi in t. 3. Phn tch v nhn nh Maritime Bank c li th l ngn hng duy nht ti Vit Nam c World Bank la chn l mt trong 6 NH thng mi VN tham gia D n Hin i ha Ngn hng v h thng thanh ton. n nay, Maritime Bank c nhn nh l mt Ngn hng c sc din mi m, ng hng hot ng to bo v m hnh giao dch chuyn nghip, hin i nht Vit Nam.
XXVII. NGN HNG TMCP TIN PHONG (TIENPHONGBANK) 1. Tng quan Tienphongbank nhn giy php thnh lp vo thng 8/2008 v c thnh lp bi 3 c ng l: FPT (c ng ln nht vi 16.9%), cng ty thng tin di ng VMS (MobiFone) (gp 4.76% vn) v tng cng ty bo him Vit Nam Vinare (s vn gp 10%). L ngn hng nm trong lin minh th Smartlink. i tc l ca Tienphongbank hu ht l cc ngn hng trong h thng lin minh th Banknetvn, Smartlink, VNBC: Ngn hng Thng mi c phn Ngoi thng Vit Nam, Ngn hng Thng mi c phn Chu, Ngn hng Thng mi c phn K Thng Vit Nam. Mt s ngn hng nc ngoi nh: Ngn hng Lin doanh Citibank, Ngn hng TNHH Mt thnh vin ANZ Vit Nam,
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2. 2.1.
Sn phm, dch v th v thanh ton. Th ghi n ni a
Th ghi n ni a ca TienPhongBank c y tin ch ca mt th ghi n nhng c c im c giao dch min ph ti ATM ca cc ngn hng trong lin minh Smartlink, Banknetvn v c VNBC. Dch v thanh ton trc tuyn Dch v h tr khch hng khi mua hng ha, dch v ti cc website bn hng c
lin kt thanh ton trc tuyn vi TinPhongBank. S dng dch v Thanh ton trc tuyn c th thanh ton ngay tin mua hng bng An ton v bo mt : vi h thng bo mt a lp ti u, thng tin ti chnh v
cch chuyn khon t ti khon thanh ton m ti TinPhongBank. khch hng c bo v bng cng ngh bo mt hng u ca cc t chc c uy tn trn th gii nh Verisign, RSA; Mua cc hng ha, dch v nh : th game,v my bay, v xem phim, t tour du
lch... ti cc website mua hng trc tuyn c lin kt vi TinPhongBank Dch v tit kim in t c im tin ch ngoi. 2.2. c chuyn nhng, cm c vay vn. Internet Banking
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Li sut hp dn. K hn phong ph, t 1 tun n 36 thng. Ti khon tit kim c m ngay trong ngy. Dch v Internet Banking gip khch hng c th d dng tra cu thng tin s tit c ngn hng xc nhn kh nng ti chnh khi i du lch, hc tp ti nc
kim mi lc, mi ni.
c im tin ch: Tra cu giao dch, s d trc tuyn;
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2.3.
Chuyn khon min ph ni b gia cc ti khon trong cng h thng Chuyn khon lin ngn hng ti bt k ngn hng no ti Vit Nam vi mc ph Bo mt cao vi Token key. Mobile Banking Chuyn tin t ti khon ca Qu khch n cc ti khon khc trong cng h Np tin trc tip cho thu bao di ng tr trc (Topup): MobiFone, Vinaphone, Thanh ton ha n hng thng: thanh ton ha n ADSL ca FPT Telecom Tra cu thng tin t gi, li sut, a im t ATM, a im giao dch ca Phn tch v nhn nh
TinPhongBank; chuyn khon ch t 8.800 VND
c im tin ch:
thng TinPhongBank.
Viettel, EVN, S-Fone
TinPhongBank 3. TinPhongBank xc nh mc tiu i u trong vic ng dng cng ngh thng tin vin thng v cc gii php cng ngh trong hot ng ngn hng nhm mang ti gii php ti chnh mi, phong cch v cht lng dch v mi. TieenPhong Bank ch yu khai thc cc ng dng cng ngh nhm mang li nhng sn phm dch v a dng phong ph v tin li ti ng o ngi s dng. TienPhongBank cung cp duy nht sn phm th ghi n ni a vi cc chc nng n gin, khng c g ni bt trn th trng nhng TienPhongBank tp trung vo pht trin cc dch v, tin ch i km vi vic ng dng cng ngh v ch bo mt cao. Nhn chung, TienPhongBank c li th v cng ngh trn th trng vi s h tr ca cc c ng ln nhu FPT, VMS.
XXVIII. NGN HNG TMCP BO VIT (BAOVIETBANK). 1. Tng quan BAOVIET Bank l ngn hng tr nht trong h thng ngn hng Vit Nam i vo hot ng nm 2009. Sau hn 18 thng hot ng, vi s vn ban u 1.500 t ng n
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nay Tng ti sn ca BAOVIET Bank t trn 11 nghn t ng, mng li c pht trin rng khp trn c nc. C ng sng lp: Tp on Bo Vit, Tng Cng ty sa Vit Nam (Vinamilk) v Cng ty C phn Tp on CMC cng mt s c ng l cc t chc c uy tn khc trong nc. Nh , BAOVIET BANK c nhiu iu kin thun li trong vic pht trin quan h i tc vi cc t chc kinh t trong v ngoi nc, ng dng cng ngh ngn hng tin tin v hiu qu to nn sc mnh cnh tranh cho ngn hng, to tin tr thnh ngn hng bn l hng u ti Vit Nam vo nm 2015. BAOVIET bank l thnh vin th 28 thuc h thng lin minh th Smart Link. Hin nay, th ghi n ni a ca BAOVIET Bank pht hnh c chp nhn thanh ton ti my ATM v POS thuc c 3 t chc chuyn mch th l Smartlink, BanknetVN v VNBC) 2. 2.1. Sn phm, dch v v thanh ton. Th ghi n ni a Bn cnh vic cung cp cc dch v cho doanh nghip nh: tin gi v thanh ton, ti tr d n, ti tr thng mi, bo lnh ngn hng. v dch v cho c nhn nh: tit kim, cho vay mua ti sn,cho vay ng trc chng khon. v dch v bo him, BAOVIET bank pht trin cc loi th ghi n ni a c chp nhn ti h thng ATM trn ton quc. Hin ti, BAOVIET bank ang cung cp hai loi th ghi n ni a l BVLink v BVip. u im ni tri: c hng u i cha tng c v mc ph: min ph tt c cc giao dch ti
ATM, bao gm c ATM ca BAOVIET Bank v ATM ca cc ngn hng chp nhn th khc. c hng li tnh theo tng ngy i vi s d c trn ti khon lin kt vi Tn hng nhiu u i ti cc i tc nh hng, trung tm mua sm, chm sc Th. Ring i vi Th BVIP, li sut khng k hn c th ln n 11%/nm.
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sc khe theo cc chng trnh hp tc ca BAOVIET Bank.
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Tin ch thu chi ti khon: c s dng dch v thu chi ti khon theo quy
nh ca BAOVIET Bank. 2.2. B sn phm BVIP: y l b sn phm dnh ring cho khng cao cp vi s kt hp trn gi, hon chnh v ton din cc dch v ti chnh - u t - bo him gm rt nhiu tin ch v dch v i km nh: Tin ch: Ti khon khng k hn vi li sut hp dn ln n 11%/nm, thu chi tn chp vi hn mc cao v th tc n gin. Dch v BAOVIET i-Banking giao dch an ton v thun tin Dch v Mobile Banking: Bo Vit Bank cung cp dch v BAOVIET Mobile
Banking - dch v ngn hng qua in thoi di ng cho khch hng c nhn. Dch v ny t ng cp nht s d ti khon qua tin nhn SMS v truy vn thng tin ti khon ngn hng v thc hin cc giao dch ti chnh nh chuyn khon trong h thng BAOVIET Bank. Dch v Phone Banking thng qua Call Centre Dch v ti khon tin gi thanh ton chng khon: cho php khch hng qun l
tin tp trung ti mt ti khon cho c 2 mc ch: Giao dch ngn hng v u t chng khon. Tng ph bo him: Trong , khch hng c tng coupon gim ph ln ti 20%
khi mua cc sn phm bo him ca Cng ty Bo him Bo Vit. Nh vy, trong mt b sn phm, khch hng c th s dng rt nhiu tin ch vi dch v thanh ton tin li, u t chng khon ng thi kt hp vi dch v bo him. y l mt s la chn tt i vi khch hng.
2.3.
Cc dch v khc Ngn hng Bo Vit cung cp cc dch v: Ngn hng in t e-Banking v Ngn
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hng trc tuyn i-Banking.
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Ngn hng in t e-Banking em li cc tin ch nh: Thanh ton cc in thoi di ng tr sau EZ-Billing, np tin cho in thoi di ng tr trc EZ-TopUp, Interrnet Banking v Mobile Banking thng qua Call Centre. Dch v BAOVIET i-Banking l knh giao dch ti chnh - ngn hng thng qua Internet ca Ngn hng Bo Vit. Dch v ny gm i-Banking dnh cho khch hng c nhn v khch hng doanh nghip vi nhiu tin ch v s dng cng ngh hin i m bo ch bo mt an ton, cc giao dch thc hin c hon ton min ph gip cho khch hng ch ng qun l ti chnh c nhn. 3. Phn tch v nhn nh Ngn hng Bo Vit l mt ngn hng tr trn th trng ti chnh, do vy cc sn phm v dch v vn ang trong qu trnh trin khai v pht trin. Mc d cc loi th cha a dng v phong ph nhng mi loi u bao gm nhiu tin ch v dch v gia tng i km. c bit, cc dch v ngn hng in t v ngn hng trc tuyn kh mnh vi cng ngh hin i gp phn m bo li ch khch hng. Ngn hng Bo Vit tp trung pht trin cc sn phm dch v dnh cho c nhn vi nhiu loi hnh tit kim v cho vay cng vi cc dch v bo him, do vy, cc sn phm th cn thiu tnh a dng v tnh cnh tranh trn th trng. NGN HNG TMCP NG (DongABank)
XXIX. 1.
Tng quan Ngn hng TMCP ng c thnh lp vo ngy 01 thng 7 nm 1992 vi hn
18 nm hot ng n nh v pht trin vng chc. T khi i vo hot ng, DongA Bank la chn hng i ph hp vi nhng mc tiu c th trong tng giai on. Sau hn 18 nm, vn iu l tng 22.500%, t 20 t ng ln 4.500 t ng, tng ti sn n cui nm 2010 l 55.873 t ng, t 03 phng nghip v chnh l Tn dng, Ngn qu v Kinh doanh ln 32 phng ban thuc hi s v cc trung tm cng vi 4 cng ty thnh vin v 224 chi nhnh, phng giao dch, trung tm giao dch 24h trn ton quc, s hu hn 5 triu khch hng c nhn v doanh nghip.
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Cc c ng ln: Ban Ti chnh Qun tr Thnh u TP.HCM, cng ty CP Vng bc qu Ph Nhun v cng ty Xy dng v Kinh doanh nh Ph Nhun Cng ty trc thuc: Cng ty kiu hi ng (1 hi s v 12 chi nhnh) v cng ty chng khon ng . Ngn hng ng nm trong 1 trong 5 ngn hng chim th phn v s lng ti khon c nhn v th ghi n ni a (th ATM) ln nht c nc. 2. Sn phm, dch v v thanh ton Ngn hng ng l mt trong cc ngn hng pht trin mnh sn phm th v cc dch v lin quan. Vi nhiu loi hnh th vi cc chc nng khc nhau, ngn hng ng ang chim s lng ln th phn trn th trng. 2.1 Th a nng ng Th a nng ng c rt nhiu tnh nng, khch hng c kh nng thc hin cc giao dch thit yu nh: rt tin, gi tin, chuyn khon trc tuyn, thanh ton t ng, nhn lng in t, mua sm online, thanh ton t ng tin in, nc, in thoi, internet, bo him, taxi, tr n vay, mua th co (in thoi, internet, th tr trc, ...) qua ATM hoc DongA eBanking, thanh ton mua hng trc tuyn ti cc Siu th online. Ngoi ra, khi nhn lng qua Th hoc c giao dch thng xuyn qua th, khch hng c th c xt hn mc thu chi (ti khon ht tin vn c th rt tin hoc thanh ton, hon tr sau). Nm 2010, Cng ty C phn Th Thng Minh (VNBC) nghin cu, ch to thnh cng v bn giao cho Ngn hng ng chic my My ATM c chc nng bn vng u tin ca VN. Ngoi nhng tnh nng nh cc my ATM khc, s khc bit ca my ny l c th bn vng t ng. Gold ATM c th p ng giao dch mua vng ming loi 1 ch cho mt ln giao dch ca khch hng v khng gii hn s ln giao dch ti a trong ngy. y l dch v mi m Banknetvn cha c. 2.2 Cc sn phm th khc: Th lin kt sinh vin: Mang y tnh nng v tin ch ca Th a nng ng . Ngoi ra, sinh vin c th d dng thanh ton hc ph, nhn hc bng cng nh thc hin cc giao dch ti chnh: rt tin, gi tin, chuyn khon, thanh ton t ng, mua
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sm onlineng thi c ng dng cng ngh th t vo qun l sinh vin nh: Qun l ra vo th vin, ra vo phng my vi tnh, thanh ton hc ph, hc bng ca sinh vin qua th v i km mt s ng dng khc ph hp vi tnh nng u vit nht ca cng ngh th t hin nay. Th a nng Richland Hill: Mang y tnh nng v tin ch ca th a nng ng ng thi c c hi t ch mua cn h trong khu phc hp Richland Hill v c cp nht thng tin v d n Richland Hill. Th a nng chng khon: Th ny cho php ch th c th chp thi c u t d dng v hiu qu nh tin ch Bn chng khon Ly tin ngay theo tha thun hp tc gia DongA Bank vi cc cng ty chng khon. Th tn dng Visa DongA Bank: Loi th ny cho php thanh ton trc tip trn phm vi ton cu v qua hnh thc giao dch trc truyn trn Internet vi tin ch l hon ton tn chp, khng cn k qu hay ti sn bo m. y l u im ni tri ca th tn dng DongA Bank. Th bc s (Dr Card) v th nh gio: DongA Bank a ra cc dch v v quyn li u tin khi giao dch cho 2 i tng khch hng ny. Th mua sm: gm cc dch v i km nh: min ph t vn thit k nh ca, t vn chm sc sc khe v khm bnh min ph vi cc chuyn gia hng u, hng hn mc vay hp dn thi tham gia chng trnh vay 24 pht 2.3. Dch v thanh ton t ng: DongA Bank s thay khch hng thanh ton kp thi cc ha n c nh nh ha n tin in, nc, in thoi, bo him, gip tit kim c thi gian v cng sc i li. Cc i tc thanh ton t ng: in lc Vit Nam, EVN Telecom, FPT, Mobiphone, S phone, Cityphone. Cc loi th ca ng Bank u mang logo ca VNBC. 2.5. DongA eBanking
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Bn cnh knh giao dch truyn thng ti h thng chi nhnh, phng giao dch v knh giao dch t ng vi my ATM/POS, DongA Bank cn pht trin knh giao dch in t. ng dng cng ngh hin i, Ngn Hng ng in T - DongA eBanking gip khch hng d dng thc hin cc giao dch ti chnh ngn hng qua cc phng tin
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in t nh my tnh ni mng internet, in thoi di ng, in thoi bn vi cc u im vt tri: Thanh ton trc tuyn: Dch v thanh ton tin mua hng ha ti cc website bn Thanh ton ha n: Dch v thanh ton ha n tin in, nc, in thoi c Np tin in t: Dch v trch tin t ti khon ngn hng np tin vo cc ti
hng qua mng nh, in thoi di ng, in thoi tr trc khon game, VnTopup, Vcash, V in t (MobiVi, VnMart) Thng bo pht sinh giao dch qua SMS. Chuyn khon: DAB cho php chuyn khon t ti khon tin gi thanh ton
khng k hn VN ca Doanh nghip n ti khon th a nng, ti khon tin gi thanh ton khng k hn VN c nhn v doanh nghip. 3. Phn tch v nhn nh Ngn hng ng ng th 2 trong s cc ngn hng c s lng th ATM ln nht Vit Nam ( sau Agribank) v ng th 2 trong s cc ngn hng c doanh s giao dch th ln nht (sau Vietcombank) theo thng k ca Hi th Ngn hng Vit Nam. iu cho thy ngn hng ng c s pht trin mnh trong lnh vc kinh doanh th v l ngn hng ln chim th phn ln trn th trng th Vit Nam. Vi nhiu loi hnh th phong ph v c chia thnh cc i tng khc nhau gip khch hng c nhiu la chn hn. ng thi, th ngn hng ng l th a nng i km vi nhiu tin ch v dch v gia tng nh thanh ton t ng, nhn lng in t , mua sm online, thanh ton t ng tin in, nc, in thoi, internet, bo him..y l mt th mng ca th a nng ng , trong ch cn s dng mt loi th duy nht, khch hng c hng nhiu tin ch i km. iu ny tng tnh cnh tranh cho th ng trn th trng. Ngn hng ng l mt trong nhng c ng thnh lp nn Banknetvn nhng do nhn thy th trng c nhiu tim nng v mun tm hng i ring, DongA Bank thnh lp nn h thng th ngn hng Vit Nam - VNBC (Viet Nam Bank Card) nm 2005. VNBC hin ang qun l h thng kt ni gia 10 ngn hng v 01 cng ty thnh
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vin v kt ni vi tp on China UnionPay (Trung Quc). iu ny cng lm tng thm phm vi hot ng v kh nng cnh tranh ca th ng trn th trng. XXX. NGN HNG TMCP I (DAIABANK) 1. Tng quan Ngn hng TMCP i (Dai A Bank) c thnh lp v i vo hoat ng t ngy 30/7/1993, l ngn hng c phn u tin hot ng ti a bn tnh ng Nai Ngy 13/4/2009 pht trin tin ch Gi tin bng phong b qua my ATM trn ton h thng Dai A Bank l ngn hng thuc lin minh th VNBC K t ngy 21/03/2011, ch th ATM ca i Ngn hng c th thc hin giao dch trn cc my ATM ca Ngn hng Lin doanh Shinhan Vina (SVB) thnh vin mi ca lin minh th Smartlink v ngn hng Sacombank (STB). Nh vy, tnh n thng 10/2011, ch th ca i c th thc hin giao dch trn my ATM ca 38 ngn hng thnh vin ca cc Lin minh th VNBC (7 ngn hng ); Lin minh Banknet (9 ngn hng ); Lin minh Smartlink (22 ngn hng) . Vi vic kt ni ny ng ch th DaiABank v cc khch hng i tc c thm s thun li khi s dng c th ATM hu nh mi lc mi ni, mi my ATM trn c nc. 2. Sn phm, dch v th Th thanh ton v rt tin ni a Th thanh ton v rt tin ni a c y cc tnh nng ca mt th ATM thng thng: rt tin mt, xem s d, in sao k, tra cu thng tin, chuyn khon ni b. S ln giao dch 1 ngy: khng gii hn. Hn mc chuyn khon rt tin ti a: 20.000.000 / ngy, 30.000.000/ngy, 50.000.000 / ngy vi cc loi th khc nhau. Th Mastercard DaiABank Th tn dng quc t Mastercard DaiABank mi c chnh thc ra mt trn th trng t ngy 06/12/2011 vi cc tnh nng bo him vt tri v ton din dnh cho ch th. Ch th ny s c bo him trong trng hp b mt th hoc b mt thng tin th.
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Thi gian bn hnh tng thm ti a mt nm so vi nh sn xut cho cc thit b in t trong gia nh ch th S dng cc gi bo him tht lc c v bo v nh ca ch th khi i vng. y cng l th u tin trn th trng th tn dng Vit Nam c gi bo him ton din dnh cho cc thit b in t cm tay ca ch th nh in thoi di ng, laptop, ipadnh sa cha hoc thay mi hon ton. SMS Banking Kim tra s d ti khon Lit k thng tin 05 giao dch gn nht Thng bo s d thay i Xem thng tin v li sut tin gi Xem thng tin v t gi Internet Banking Truy vn thng tin ti khon: Tin gi thanh ton, Tin gi tit kim. Xem v in nhng giao dch trn ti khon Tin gi thanh ton, Tin gi tit kim Tham kho nhng thng tin v sn phm mi ca Dai A Bank Tham kho li sut tit kim, t gi ngoi t. Phn tch v nhn nh i bank l ngn hng thuc lin minh th V.N.B.C v l mt trong nhng ngn hng nh xt v tng ti sn v mng li nhng uy tn cao xt theo cc ch s an ton, vn iu l, quy trnh hot ng i bank mi cung cp ra th trng sn phm th thanh ton v rt tin ni a v th tn dng, trong th tn dng quc t Mastercard DaiAbank mi c ra mt th trng vo 6/12. Sn phm tn dng quc t ny c im ring bit so vi cc sn phm th khc trn th trng tnh nng cung cp cc gi bo him ton din. Mc d vy, sn phm ny mwois c tung ra th trng v cha c tnh cnh tranh cao.
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PHN II: CC T CHC THANH TON IN T I. NGN LNG NgnLng.vn do cng ty CP phn mm Ho Bnh (PeaceSoft) thnh lp nm 2009, hot ng chu s iu chnh ca lut ngn hng v cc t chc tn dng, cn c vo Giy php s 2608/Q-NHNN. Ngnlng.vn l V in t v Cng Thanh ton Trc tuyn (TTTT) chuyn dng cho Thng mi in t (TMT) tin phong v hng u ti Vit Nam, c v sn phm dch v, ph th trng v lu lng thanh ton. NgnLng.vn hot ng theo m hnh v in t, theo ngi dng ng k ti khon loi c nhn hoc doanh nghip vi 3 chc nng chnh l: Np tin, Rt tin v Thanh ton; tt c u hon ton trc tuyn thng qua th ni a hoc quc t, ti khon ngn hng hoc cc hnh thc tin dng khc. Ngun vn u t t cc tp on hng u th gii nh IDG (M), SoftBank (Nht) v eBay (M) gip NgnLng.vn c kh nng m bo ti chnh cho ton b cc giao dch TTTT ti VN. Tn ch hng u ca NgnLng.vn l bo v an ton cho khch hng khi cc ri ro v nguy c la o trn Internet v thun li ha vic nhn tin thanh ton v quay vng vn cho cng ng thng nhn bn hng trc tuyn ti VN. Tnh n nay, Ngnlng.vn c hng triu ngi dng vi hn hng trm nghn ti khon v s dng thng xuyn, c h tr ti hng nghn website bn hng trc tuyn vi lng truy cp v tn sut thanh ton ln nht trong cc dch v thanh ton cho thng mi in t. Chin lc pht trin ca Ngnlng: theo chin lc sao nm cch (Pentagram): Tp trung pht trin cc sn phm v dch v xung quanh gi tr ct li l TMT, ch n tnh tng sinh, tng h ln nhau gia sn phm, dch v, to nn mt h sinh thi ngi sao nm cnh, em li chui gi tr tha mn ton din cho th trng, khch hng TMT.
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1. Tng quan v Ngnlng.vn
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Thng 11.2010, NgnLng.vn chnh thc c Ngn hng Nh nc cp php cho php cung ng dch v trung gian thanh ton V in t trn phm vi ton lnh th Vit Nam. c bit NgnLng.vn l v in t duy nht c nh hng chuyn bit v thanh ton trc tuyn cho thng mi in t c cp php. 2. Cc i tc ca Ngnlng Cc cng ty, website hp tc trong lnh vc kinh doanh, cng ngh: Cng ty CP Nguyn Kim. Cng ty TNHH TM & Pht trin cng ngh phn mm TCSOFT. Cng ty C phn Cng Ngh Thi Bnh Dng Vit Nam. Cng ty TNHH1TV nng trang Island. Cng ty C phn Cng Ngh DKT. Cng ty TNHH Cng Ngh v Truyn Thng Acute Vit Nam. Cng ty vin thng quc t FPT, Viettel., Mobifone. Cng ty TNHH truyn thng Hong Ngn, Cng ty TNHH Kkhi Vit.
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Hng nghn cc website bn hng trc tuyn : e -Bay, Ch in t.vn, vio.com.vn,
Babylon.vn, nhasachphuongnam.com, megabuy.vn, PNJ.com.vn, deal.go.vn, chon.vn. Cc ngn hng lin kt thanh ton Ngn hng gm Vietcombank, Techcombank, Vietinbank, ng , VIB, SHB,
Visa/Master, cc t chc lin minh : Banknetvn, Smartlink, VNBC Cc Sn phm & dch v ca Ngnlng.vn
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NgnLng.vn h tr ngi Mua thanh ton v ngi Bn nhn tin thanh ton cho cc giao dch mua bn trn mng nhanh chng; an ton. thng qua 3 loi giao dch chnh: Np tin: Ngi Mua chuyn tin VN cho NgnLng.vn gi h (bng nhiu hnh thc nhanh chng, tin li v an ton) v nhn c mt s "ngn lng" tng ng vi s tin np trong ti khon ca mnh. Khch hng c th np tin bng cc cch sau: Np tin mt ti quy ca Ngnlng.vn Np tin thng qua th Visa, Master; Np tin bng th co in thoi; Np tin qua h thng ngn hng lin kt. Thanh ton: Ngi Mua chuyn "ngn lng" cho ngi Bn thanh ton tin
hng, giao dch c NgnLng.vn m bo v mt ti chnh. Ngi mua c th thanh ton cho ngi bn thng qua cc hnh thc sau: Thanh ton online bng th ATM Online bng internet banking Thanh ton online bng th thanh ton quc t (Visa, Master, JCB, Amex) Chuyn khon ti cy ATM Chuyn khon bng Internet Banking Chuyn khon ti quy giao dch ngn hng Chuyn tin mt ti vn phng Ngnlng.vn
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Rt tin: Ch ti khon ti NgnLng.vn c th yu cu rt ngn lng
nhn li tin mt VN bt c lc no theo yu cu bng tin mt hoc vo ti khon ngn hng. Vi hnh thc rt tin mt vn phng NgnLng.vn ti H Ni hoc TP. HCM, hn mc rt tin ti a khng qu 10.000.000 (VND) cho tng s tin ca cc ln giao dch trong 1 ngy i vi 1 ti khon thnh vin. Vi hnh thc rt tin v ti khon ngn hng: Theo chnh sch an ninh ca NgnLng.vn, nu ti khon cha c chng thc th mi ngy khng c rt qu 1 ln v mi ln ti a khng c rt qu 500.000 (VND)/ ngy. Vi ti khon c chng thc, c php rt ti a vi s lng v thi gian Vi mi hnh thc rt tin, hn mc rt tin ti thiu l 100.000 (VND) cho 1 giao Phn tch v nhn nh Li th trong vic i u trong lnh vc TMT. Li th v mt cng ngh do c sng lp l cng ty CP phn mm Ho Bnh C mt c ch thanh ton u vit cho khch hng: thanh ton tm gi vi c ch khng hn ch. dch. 4. im mnh: -
ny, khch hng khng phi lo ngi v khon tin ca mnh chi tr nhng khng nhn c hng hoc hng khng ng yu cu. Mua sm v thanh ton tin li, nhanh chng. Nhiu hnh thc np tin, thanh ton, chuyn khon khch hng c th la chn Nganluong nhiu ln c bnh chn l v in t c a thch nht. Tnh n nay, NgnLng.vn c hng triu ngi dng thng xuyn vi hn
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cho ph hp vi nhu cu ca mnh. -
300.000 ti khon v, c h tr ti hn 5.000 website bn hng trc tuyn vi lng truy cp v tn sut thanh ton ln nht trong cc dch v thanh ton dnh cho thng mi in t, lin thng vi nhiu ngn hng v t chc ti chnh nh: Vietcombank, Techcombank, VietinBank, ng , VIB, Visa/MasterCard, SmartLink, BankNetVN
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Hn ch: Cc mt hng trn Ngnlng.vn cha a dng, phong ph Vic cc ngn hng phi thc hin chuyn tin sang mt ngn hng th ba l
SeaBank, khin cho khch hng phi tr ph giao dch cao hn nhiu so vi vic thanh ton thng qua mt h thng lin kt trc tip. Cha a dng v ng tin thanh ton
II. 1.
VCCorp Tng quan
Cng ty C phn Truyn thng Vit Nam (Vietnam Communications Corporation) thnh lp ngy 07.07.2006. VCCorp l cng ty cng ngh hng u VN trong lnh vc pht trin cng ngh v sn phm Internet. Lnh vc kinh doanh chnh bao gm: cung cp cc sn phm v dch v thng tin kinh t, ti chnh, vn ha, x hi, th thao, gii tr trn Internet, cc dch v gi tr gia tng trn mng Vn iu l 60 t ng, VCCorp l mt trong nhng i tc chin lc c la chn u t bi Qu u t mo him, Tp on IDG Ventures Vietnam. 2. 2.1. 2.2. Sn phm, dch v ca VCCorp Cc knh thng tin: CafeF.vn: Knh thng tin ti chnh, chng khon s 1 VN hin nay Kenh14.vn: Knh thng tin dnh cho gii tr Socnhi.com: Knh ni dung, game, truyn, tr chi tng tc dnh cho thiu nhi Afamily.vn: Knh thng tin gia nh, sc khe Autopro.com.vn: Knh thng tin t xe my Gamek.vn: Knh thng tin game H thng thng mi in t:
Cc website s dng hnh thc thanh ton trc tuyn ca VCCORP bao gm: Enbac.vn, Muare.vn, Rongbay.vn:
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Cc website ny theo hnh thc rao vt C2C, B2C. Theo phng thc c ngi
bn v ngi mua chuyn khon cho nhau qua ti khon ngn hng hoc tr bng tin mt. Hin ti Vccorp trin khai thm vic thanh ton bng gold, ngi mua s chuyn gold vo ti khon ngi bn thc hin giao dch. Tuy nhin vi truyn thng v thi quen mua sm qua cc trang rao vt, vic chuyn gold vo ti khon ngi bn trc khng c a chung. Hu ht cc giao dch din ra thanh ton bng tin mt, giao hng tn ni. Nh vy cc website s ch thu tin trung gian t ph hng thng ca ngi bn hng, rao vt. y l mt trong s nhng website kh nh m vi lng giao dch thnh cng rt ln. Trong thi gian ti VCCORP s tin hnh p dng hnh thc thanh ton GOLD cho cc trang rao vt ny ca mnh thay v mt s v in t khc nhanh tay tch hp trc nh ngn lng v bo kim. Solo.vn: Solo l sn giao dch thng mi in t trong Solo trung gian phn phi cc Solo chu trch nhim qung b cc sn phm trn sn ging nh mt siu th in
sn phm t hng ngn nh cung cp khc trn ton quc. -
t, Solo chu trch nhim vn chuyn ti khch hng cui cng , vic thanh ton mua sm trn sn Solo c th qua cc knh th ngn hng nh VISA, MASTER, ATM, INTERNET BANKING, chuyn khon, thu tin giao hng tn ni COD, v thanh ton bng GOLD. GOLD c s dng nh mt v in t trong khch hng s phi np tin vo Khch hng c th np bng th co in thoi vi mc chit khu, np t th
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ti khon v tin mt c quy i ra GOLD theo t l : 1VND=1GOLD. VISA, MASTER CARD, ATM kch hot, SMS in thoi, np ti quy muachung.vn: y l mt hnh thc trang web kinh doanh theo dng Groupon rt thnh cng ca
M. Theo muachung.vn s phi thng lng vi cc nh cung cp dch v c cc

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sn phm gim gi c bit, t y cc sn phm ny thu ht ngi mua, quay ngc tr li cng nhiu ngi mua th cng thng lng deal vi gi r hn. Groupon thc cht ch chim 10% trong c quy trnh thng mi in t bnh thng, l khu thanh ton trc tuyn qua cc knh nu trn. Hnh thc ny ch yu mang tnh marketing thng hiu nhiu hn, tuy nhin n em li ngun thu rt ln cho VCCORP. Nu thi quen dng th thanh ton hoc dng v in t tr tin dch v th s
gim chi ph qun l, chi ph in bao b, voucher cho VCCORP rt nhiu. Cng thanh ton trc tuyn Soha Payment ( Muachungpay): Cng thanh ton ny hng ti l cng thanh ton chung cho cc trang web mua
bn ca VCCORP. Ti y khch hng c th thanh ton bng Visa, Master Card, th ghi n ni a ca mt s ngn hng, th co in thoi. M hnh ny rt ging vi Paypal ca M nhng c hnh thc ph hp vi cch Muachungpay cho php thanh ton mt s th ni a sau: Vietcombank, SHB, thc mua bn ca ngi Vit Nam hn. ng , Techcombank, HD Bank, Eximbank, Vietin Bank, Tienphong Bank, VIB, Maritime Bank. Ngoi ra Muachungpay cn thanh ton qua internet banking ca ng Bank v
Techcombank. 2.3. 2.4. Cng c search Baamboo: Baamboo mp3: Cng c tm kim v nghe nhc trc tuyn Baamboo video: Cng c tm kim v xem video trc tuyn Baamboo im tin: Cng c tm kim thng tin bo ch H thng Social Media Linkhay.com: Cng ng chia s v bnh lun thng tin Sannhac.com: Cng ng ht v chia s karaoke trc tuyn Tratu.com: Cng ng dch thut v chia s kin thc dch thut (gm 08 t in
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chuyn ngnh)
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2.5. 2.6.
H thng cng ngh cho hn 30 bo in t hng u VN Dantri.com.vn Nguoilaodong.vn Thethaovanhoa.vn VnEconomy.vn Tng i SMS 8x01
VC Mobile l 1 trong nhng sn phm ra i u tin, kinh doanh trong lnh vc gi tr gia tng cho in thoi di ng, vi 2 thng hiu ni ting 8x01 v Ch Th Ngc. Hin ti VC ang l mt trong nhng n v dn u th trng v lnh vc ny. 2.7. 2.8. Admicro L n v kinh doanh trc thuc Cng ty c phn truyn thng Vit Nam chuyn
cung cp cc dch v t vn trn gi i vi cc chin dch qung co trc tuyn v cc dch v t vn khc theo nhu cu ca khch hng nh: t vn la chn website/v tr qung co, t vn la chn hnh thc qung co, dch v thit k, o lng, v.v. AdMicro hin ang c quyn kinh doanh trn gn 50 sn phm bo ch v cc cng thng tin trc tuyn, trong c cc bo in t ln nh Dn tr, Ngi Lao ng, Thi bo KTVN, Php lut TPHCM, Din n doanh nghip, CafeF, Kenh14 .v.v. 3. Phn tch, nhn nh Th mnh ca VCCORP l c nn mua bn trc tuyn sn qua cc trang rao vt, khch hng hng ti ca tng website cng c phn ra nh chuyn trang dnh cho ngi bn hng chuyn nghip, dnh cho ngi yu thch in thoi, ngi yu thch oto. Hng nghn giao dch c x l thnh cng mi ngy qua cc tin rao vt. T y VCCORP c th trin khai thnh cng v in t ti tt c cc khch hng ph thuc vo cc trang ny cho cc hot ng bn hng quen thuc ca mnh. Vi h thng media h tr t cc trang website c a chung nh kenh14.vn, dan tri, cafe Cc mng ny u mang li ngun li siu li nhun t qung co cho VCCORP, n s tip tc mang li li nhun nhiu hn na nu trin khai thm cc dch v ni trn m khng mt cng ty no c th cnh tranh tt c bng marketing.
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Cng ty C phn thng mi in t Bo Kim (Bo Kim) Tng quan Cng thanh ton trc tuyn baokim.vn, thnh lp vo thng 7/2010, trc thuc Cng ty C phn TMT Bo Kim, c xy dng theo m hnh h thng Paypal, Moneybookers h tr Mobile Payment phc v thanh ton trc tuyn. Baokim.vn ng vi tr trung gian thanh ton, cung cp cc dch v: Thanh ton trc tuyn, Chuyn tin trc tuyn v l cng thanh ton u tin ti Vit Nam phn phi m Th thanh ton tr trc RV Visa. Thng qua baokim.vn, ngi mua khng cn phi dng nhiu th ATM ca cc ngn hng khc nhau m vn c th thanh ton c bt k ha n mua sm no. Ngc li, cc website bn hng cng ch cn mt kt ni vi baokim.vn l c th bn hng cho mi i tng khch hng mt cch n gin nht. Hin ti, baokim.vn ang hp tc vi hn 20 ngn hng trong nc v cc h thng th tn dng quc t nh VISA, Master, American Express... Vi i tng doanh nghip baokim.vn cung cp cc dch v thanh ton tch hp cho cc h thng online nh: Website TMT, H thng rao vt, Blog, Forum da trn cc API c xy dng sn, h tr tch hp mt cch n gin v nhanh chng. Vi i tc, baokim.vn p ng vic tch hp vi cc h thng khc: SMS Gateway, Banking Services nhanh chng, thun tin. 1. i tc i tc ca Bo Kim l cc ngn hng trong h thng lin minh th Banknetvn, Smartlink, VNBC. Bn cnh l cc t chc th quc t nh: Mastercard, Visacard, Dinner Club International, American Express... 2. Sn phm, dch v Bo kim cung cp cch thc cho ngi tiu dng khi mua hng ha online, v c s h tr ca ngn hng khi ch th dng thanh ton. C hai hnh thc chnh: Thanh ton An Ton v Thanh ton trc tip
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Dch v thanh ton
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Thanh ton An Ton: Khi khch hng v ngi bn cha c s tin tng, khon
tin s b ng bng ti ti khon ca Bo Kim ngn hng, cho n khi giao dch gia ng bn v ng mua c hon tt. Chu trnh thanh ton: Chn ngn hng/ loi th mun s dng Xc nhn s tin v in thng tin thanh ton Nhp thng tin ngn hng hoc chuyn khon hon tt qu trnh thanh ton Thanh ton trc tip: Khi hai bn c s tin tng, tin s c chuyn n ngi Chu trnh thanh ton: Chn ngn hng/ loi th mun s dng Chn phng
bn lun thng qua ti khon ng mua, bo kim, ti khon ng bn thc thanh ton Xc nhn li thng tin thanh ton. Np tin L hnh thc np tin tht vo cc ti khon khch hng ti Bo Kim, c th thc hin giao dch mua bn online. Cc knh c th np tin : 3. Np bng th co in thoi Np online vi th tn dng Np online vi th ATM Np vi Internet banking Np bng chuyn khon Np qua my ATM Np bu in tin mt Phn tch, nhn nh
Cng thanh ton Bo Kim l mt trong nhng cng thanh ton pht trin mnh ti Vit Nam. Tuy nhin, thng 10-2011, Bo Kim c lin quan ti vn cnh tranh khng lnh mnh vi Nganluong. Trong v in t ca Bo Kim sao chp thng tin, hnh nh v mt s chc nng ca Nganluong c ng k bn quyn. Bn cnh , Bo Kim phi loi b cc ti liu, mu hp ng gi khch hng c du hiu sao chp t Nganluong.vn. Qua , Bo Kim mt phn b gim uy tn trn th trng. Thng 6/2011, Bo Kim ra chuyn trang khuyn mi gip ngi tiu dng mua c cc sn phm gi r ti a ch shopping.baokim.vn. y l chng trnh kt hp bi Cng
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thanh ton trc tuyn Bo Kim vi cc website tch hp cng thanh ton ny. Li th ca Baokim l mng li i tc ln, bo gm cc ngn hng thuc h thng Banknetvn, Smartlink v VNBC v cc t chc th quc t nh: Visa, MasterCard, American Express
III.
VTC Intecom
1. Tng quan Cng ty Cng Ngh v Ni dung s (VTC Intecom) l mt cng ty trc thuc tng cng ty truyn thng a phng tin VTC. c thnh lp t nm 2006, tri qua qu trnh pht trin trn 5 nm, cng ty to c nhiu sn phm thnh cng nh cc tr chi trc tuyn (t Kch, Audition, ), thanh ton trc tuyn (Ebank), v in t (VTC Paygate), cng rt nhiu sn phm ng dng trn in thoi di ng. Cui nm 2009 do Tng cng ty VTC thc hin chin lc quy hoch, sp xp li cc n v sn xut, kinh doanh nn tm thi VTC Intecom ang qun l ch yu hai lnh vc tr chi trc tuyn v thanh ton trc tuyn. Bo co ny xin tp trung nghin cu thng tin v lnh vc thanh ton trc tuyn qua ngn hng in t VTC eBank (https://ebank.vtc.vn) Vi Slogan beautiful lifeloading mang ngha rng cuc sng ch tt p khi n cn ang tip din, ang cha hon ho, VTC Intecom mun ng rng dch v ca h s ngy cng an ton hn, thun tin hn. i tc ca VTC Telecom Ngn hng
Ngn hng TMCP Ngoi thng Vit Nam Vietcombank Np Vcoin bng th Vietcombank Connect24 qua h thng Smart Link Np Vcoin bng th Vietcombank Connect24 ti my ATM ca Vietcombank
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Ngn hng TMCP K thng Vit Nam - Techcom bank Np Vcoin bng dch v thanh ton qua SMS - F@stMobiPay Qua Ngn hng TMCP Quc t Vit Nam Dng np Vcoin vo ti khon VTC eBank qua h thng Smart Link Qua Ngn hng Agribank Khch hng c th np Vcoin vo ti khon VTC eBank ti quy giao dch Hoc np Vcoin vo ti khon VTC eBank bng SMS Banking. Qua Ngn hng Xut nhp khu Vit Nam Eximbank Khch hng c th np Vcoin vo ti khon VTC eBank t ti khon Eximbank thng qua h thng Smart Link Qua Ngn hng Qun i MB Khch hng c th np Vcoin vo ti khon VTC eBank t ti khon MB thng qua h thng Smart Link Qua Ngn hng Chu ACB Khch hng c th np Vcoin vo ti khon VTC eBank t ti khon ACB thng qua h thng Smart Link Qua Ngn hng Pht trin nh Tp.HCM - HD Bank Khch hng c th np Vcoin vo ti khon VTC eBank t ti khon MB thng qua h thng Smart Link Qua ngn hng TMCP i Dng OceanBank Khch hng c th np Vcoin vo ti khon VTC eBank ti quy giao dch ca Ngn hng OceanBank Qua Ngn hng ng - DongA Bank Khch hng c th np Vcoin vo ti khon VTC eBank t ti khon DongA Bank
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Qua Ngn hng Nam - Nam A Bank Khch hng c th np Vcoin vo ti khon VTC eBank t ti khon Nam A Bank qua cng thanh ton ca Banknetvn Qua Ngn hng Si Gn - Sai Gon Bank Khch hng c th np Vcoin vo ti khon VTC eBank t ti khon Si Gn Bank qua cng thanh ton ca Banknetvn Qua Ngn hng TMCP Cng thng Vit Nam. Khch hng c th np Vcoin vo ti khon VTC eBank t ti khon Vietinbank thng qua h thng Smart Link Qua Ngn hng TMCP Si Gn Khch hng c th np Vcoin vo ti khon VTC eBank t ti khon Sacombank thng qua h thng Smart Link
Cc v in t Cng thanh ton trc tuyn VTC Paygate Khch hng c th np Vcoin vo ti khon VTC eBank t ti khon VTC Paygate. Vcoin nhn c l 100% Vcoin thanh ton. Cng thanh ton trc tuyn Bo Kim Np Vcoin qua cng thanh ton trc tuyn Bo Kim V in t - MobiVi Np Vcoin t ti khon V in t - MobiVi V in t VnMart Np Vcoin t ti khon VnMart Qua v in t Payoo Np Vcoin qua v in t Payoo
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Qua cng thanh ton trc tuyn NgnLng.vn Khch hng c th s dng s d trong ti khon NgnLng.vn np Vcoin vo ti kon VTC eBank Qua cng thanh ton trc tuyn MegaPayment Khch hng c th s dng cng np Vcoin vo ti kon VTC eBank
2. Cc sn phm VTC eBank Ngn hng in t VTC eBank l h thng qun l ti khon v tnh cc cho cc dch v trc tuyn ca VTC, ng thi cung cp gii php thanh ton trc tuyn cho cc dch v ni dung s ca i tc. Ngn hng in t VTC eBank do Trung Tm Thanh Ton in T thuc Cng ty TNHH mt thnh vin VTC Cng ngh v Ni dung s (VTC Intecom) xy dng v vn hnh. Ngn hng in t VTC eBank c xy dng t nm 2006 vi tn gi tin thn l Paygate (https://paygate.vtc.vn). Tnh n thng 8 nm 2011, VTC eBank c hn 60 triu ti khon ng k, trong c hn 8 triu ti khon thanh ton. VTC eBank hin ang l cng ng trc tuyn ln nht, ng thi cng l mt trong nhng nh cung cp gii php thanh ton trc tuyn ln ti Vit Nam. n v thanh ton trong h thng ngn hng in t VTC eBank l Vcoin (t l quy i l 100 = 1 Vcoin). Mi ti khon VTC eBank tn ti 2 s d Vcoin. S d Vcoin thanh ton: s dng cho tt c cc sn phm - dch v ca VTC v cc i tc. Hin nay, khch hng c th s dng Vcoin thanh ton cho khong 100 dch v ca gn 50 i tc trong a phn l dch v vin thng di ng v game trc tuyn. Cc i tc ny gm nhiu n v c uy tn nh Viettel, Vinaphone, SaigonTel, Netgame Asia, Asiasoft, S d Vcoin game: ch s dng cc dch v trc tuyn ca VTC.
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Ngn hng in t VTC eBank hin ang pht hnh th co tr trc th Vcoin vi h thng phn phi trn 64 tnh thnh. Khch hng c th np Vcoin vo ti khon, np tin in thoi v s dng cc dch v khc do cc i tc ca VTC Intecom cung cp. VTC PayGate Ngoi vic lin kt vi cc v in t bn ngoi cng ty, bn thn VTC Intecom cng pht trin mt v in t ring gi l VTC Paygate (https://paygate.vtc.vn). V Paygate c u im ln nht l kt ni trc tip vi ngn hng in t VTC eBank; nh c hng u i ca eBank ng thi vn gi nguyn bn cht ca mt v in t l u t t v giao dch nhanh. Phn tch v nhn nh i tc VTC Intecom l i tc ln trong lnh vc thanh ton trc tuyn vi nhng sn phm a dng, ph hp vi nhiu nhu cu u t khc nhau. Tuy nhin, iu cn lu l nhng dch v ny hin vn ang trong qu trnh hon thin (theo slogan ca VTC eBank). y c th l mt im li trong qu trnh hp tc khai thc nu Banknetvn u t ph hp; nhng cng c th l mt bt li gy thit hi n cc ngun ti nguyn ca bn thn cng ty. Vic lin kt nhiu cng c thanh ton trc tuyn nh trn gip VTC eBank khng nh vai tr l mt n v trung gian gi tr trc tuyn ln ca mnh.
IV.
VNPAY
1. Tng quan Cng ty C phn Gii php Thanh ton Vit Nam chnh thc thnh lp vo thng 3 nm 2007 bi i ng cn b lnh o c nhiu kinh nghim trong lnh vc Ti chnh Ngn hng, Cng ngh thng tin v Vin thng. Trong 4 nm qua, VNPAY lin kt, hp tc vi 31 ngn hng, 7 cng ty vin thng v hn 40 doanh nghip thng mi in t a ra cc gii php thanh ton n gin, tin li nh: Dch v SMS Banking, Dch v np tin in thoi VnTopup, Thanh ton ho n qua tin nhn, V in t VnMart, SIM a nng,
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2. i tc C 3 nhm i tc chnh: Ngn hng: Viettin Bank, DongA Bank, BIDV, HDBank, Citi bank, Linvietbank.... Vin Thng: EVNTelecom, Viettel, Mobifone, Vinaphone, Sphone, Vietnammobile, beeline Doanh Nghip: Thegioitructuyen, Vbook, hlink, VTC... 3. Dch v Vn topup T nm 2007, cng ty VNPAY phi hp vi cc Ngn hng v cng ty Vin thng a ra dch v VnTopup cho nhm i tng khch hng c nhn. Dch v VnTopup cho php khch hng Ngn hng np tin in thoi tr trc v tr sau v thanh ton trc tip bng ti khon ti Ngn hang. y l dch v hp tc kinh doanh v chia s thng hiu VnTopup gia hai n v v cng cung cp cho mt i tng l khch hng c nhn ca Ngn hng Li ch ca ngn hng khi kt ni dch v VnTopup: Gim thiu thi gian giao dch ti ngn hng bng cch thu ht khch hng s dng Ngn hng in t. Thu ph x l giao dch t cng ty VNPAY khi khch hng s dng dch v VnTopup, em li li nhun cho ngn hng. Gia tng c dch v ca mnh i vi khch hng, thu ht khch hng m ti khon ti ngn hng, nh lm tng ngun huy ng vn. Mobile baking VNPAY cung cp dch v Mobile banking cho i tng khch hng c nhn v ngn hng. Mobile Baking l gi dch v tin ch ca ngn hng cung cp cho khch hng c ti khon thc hin cc giao dch vi ngn hng thng qua tin nhn SMS t in thoi di ng. Mobile Banking ng thi l phn mm ng dng do VNPAY nghin cu v pht trin. ng dng Mobile Banking hin th c tt c cc giao dch ca Ngn hng v c
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th chy c trn tt c cc loi in thoi, in thoi thng minh v my tnh bng ang c trn th trng. Vi kinh nghim nhiu nm trong lnh vc pht trin cc dch v Ngn hng, VNPAY hp tc vi cc ngn hng pht trin cc dch trn Mobile Banking trn cc phng din: Hp tc v t vn pht trin dch v Mobile Banking. VNPAY ng vai tr t vn cho ngn hng cc dch v s trin khai trn Mobile Banking, cung cp gii php trn gi, cng phi hp vi b phn nghip v, marketing cng khai thc v qung b ti khch hng, cung cp cc dch v gi tr gia tng trn Mobile v h tr vn hnh v m rng dch v kt ni Mobile Banking vi cc i tc khc. Cung cp gii php Mobile Banking Cho thu tng i tin nhn 8149 y l tng i dng rin cho cc dch v Ngn hng t nm 2007 vi tc nhanh v n nh (trung bnh t 100-150SMS/giy). Cung cp dch v SMS Marketing s dng tn thng hiu Ngn hng Bill Payment Dch v thanh ton ha n VNPAY cung cp em li li ch i vi ngn hng v nh cung cp dch v. Li ch vi ngn hng: Thanh ton ha n (Bill Payment) l dch v cng ty VNPAY cung cp cho cc Ngn hng khch hng ca Ngn hng c th dng ti khon ca mnh thanh ton cho cc ha n (in thoi di ng tr sau, in thoi c nh, ADSL, ) qua cc knh thanh ton ca ngn hng nh SMS, Internet Banking, Mobile Banking, ATM hoc ng k nh thu t ng. S tin b tr trong ti khon ng bng s tin cc khch hng s dng ha n. Li ch vi cc nh cung cp dch v: Dch v Bill Payment l knh thanh ton mi gip nh cung cp thu ph s dng dch v thng qua ti khon ca khch hng ti ngn hng. S tin b tr trong ti khon ng bng s tin cc khch hng s dng ha n. Vi vic kt ni Bill Payment, cc nh cung cp dch v s c thm mt knh thanh ton mi, gim thiu chi ph cho nhn vin thu cc, cc im thu cc, phc v khch hng ngy
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cng tt hn bng vic em li cho h nhiu tin ch mi, a dng. Cng vi , phng thc thanh ton khng dng tin mt s gip trnh c cc ri ro xy ra vi cc khon tin cng ty thu c t khch hng nh: mt tin, tin gi
Cng thanh ton
Dch v cng thanh ton, gip ngi tiu dng mua hng ha online c d dng hn, gim thiu cc chi ph thi gian, chi ph i li, an ton nhanh chng, trnh cc ri ro trong thanh ton. Quy trnh c thc hin nh trn. V di y l m hnh kt ni:
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Phn tch v nhn nh VNPAY tp trung pht trin mng cung cp cc gii php cng ngh.
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V. 1.
PAYOO Tng quan H thng thanh ton trc tuyn Payoo thuc Cng ty C phn Dch v trc tuyn
Cng ng Vit (VietUnion) l mt trong nhng n lc nhm xa b nhng ro cn trong thng mi in t Vit Nam hin nay. VietUnion l n v ch qun v iu hnh V in t Payoo, V in t Payoo hin ang dn u th phn dch v thanh ton trung gian ti Vit Nam. Vi V in t Payoo, ngi dng mua hng trc tuyn hoc s dng dch v ti hn 60 website uy tn kt ni vi v in t Payoo; d dng np tin vo ti khon in thoi di ng tr trc ti website paycode. c bit, ch V in t Payoo c h tr thanh ton trc tuyn mi ha n ca cc nh cung cp dch v khc nhau thng qua cng website paybill. 2. i tc Hin ti, Payoo c khong 70 i tc thuc cc nhm: Chnh ph, Ngn hng, Bo mt, Doanh nghip CNTT, Giao nhn, Vin thng, Sn giao dch, Doanh nghip Thng mi - Dch v v cc i tc khc trong c Banknetvn. Trong , i tc Ngn hng gm c: Ngn hng ng , Agribank,
Vietcombank, Vietinbank, Sacombank, Navibank, VietA bank, Tin Phong bank,Western bank 3. Sn phm v dch v Payoo cung cp duy nht sn phm dch v l v in t Payoo. V in t Payoo l mt ti khon in t, c chc nng nh mt chic V tin trn Internet nhm h tr ngi dng mua - bn - giao dch ti cc trang web thng mi in t v ti cc cng ng mng c hot ng thanh ton hoc tr ph. u im ni bt:
i vi ngi dng c nhn: V in t bo v ngi tham gia giao dch online, gip h yn tm hn khi mua
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sm v t cc hng ha trn mng; tr ph cc dch v gii tr trc tuyn; ng ph thnh
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vin thng nin ti cc website a thch, thanh ton ha n, chuyn tin - nhn tin gia cc v mt cch thun tin, nhanh chng v an ton Payoo hp tc vi nhiu ngn hng, cho php ch s hu np tin vo hoc rt tin t V ra ti khon ngn hng thng qua Internet Banking hoc cc knh giao dch khc.
i vi doanh nghip : V in t Payoo ng vai tr n v trung gian h tr hot ng thng mi in
t: m rng cc hnh thc thanh ton bo m; kt ni doanh nghip vi cng ng ngi dng v lin kt cc doanh nghip vi nhau. ng thi, doanh nghip c th loi b hon ton n t hng gi, m rng, pht trin th trng vi hnh thc thanh ton nhanh chng, d dng, khng b gii hn a l v Tit kim nhn lc v chi ph qun l ca doanh nghip. Nm 2010, Cng ty C phn Chuyn mch Ti chnh Quc gia Vit Nam (Banknetvn) cng Cng ty CP Trc tuyn Cng ng Vit (VietUnion) k kt tha thun hp tc trin khai cc dch v h tr thanh ton in t. Theo , ngi dng c ti khon ti cc ngn hng thnh vin kt ni vo h thng chuyn mch ca Banknetvn c th s dng np tin trc tuyn vo V in t Payoo thanh ton mua hng qua mng, thanh ton dch v np tin di ng tr trc v thanh ton ha n dch v nh k Bn cnh phng thc thanh ton qua Internet, hai bn cng ch trng pht trin knh giao dch u cui trn nn tng in thoi di ng nhm n u xu th tng lai. Phn tch v nhn nh H thng thanh ton trc tuyn Payoo do VietUnion pht trin vi sn phm dch v l v in t Payoo. V in t Payoo em li rt nhiu tnh nng cho ngi s dng vi cc c im nh d s dng, m bo bo mt tuyt i cc giao dch, ngi dung xc thc, an ton thng tin, v uy tn cao, v in t Payoo to dng c ch ng trn th trng trong tnh hnh cnh tranh ngy cng gay gt vi cc sn phm v in t khc.
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Mt khc, vi tim lc ti chnh mnh m t Tp on u t Si Gn v s cng tc t cc i tc ln trn nhiu lnh vc, V in t Payoo xc lp cho mnh mt v th l trung gian thanh ton trc tuyn hng u ti Vit Nam.
VI. 1.
ONEPAY Tng quan OnePAY l i tc ca MaterCard trong cung cp gii php thanh ton in t
cho cc doanh nghip ti Vit Nam. H thng cng thanh ton ca OnePAY c tin dng bi cc ngn hng ln trn th gii nh ANZ , HSBC, Cng thanh ton OnePAY m bo cc tiu chun ca h thng ti chnh quc t nh Visa, MasterCardOnePAY cng ang hp tc cng 6 ngn hng nh nc v c phn ln nht Vit Nam trin khai a dng knh thanh ton khng tin mt. i tc. Cc ngn hng: OnePAY hp tc vi cc ngn hng ln nh Vietcombank,
2.
Vietinbank, BIDV, Techcombank v mt s ngn hng c phn khc, chim gn 80% th phn ti khon ngn hng v th ghi n ni a (th ATM).
i tc cung cp cc gii php bo mt VeriSign: VeriSign l nh cung cp dch v h tng mng c tin tng trn ton
cu. OnePAY s dng phm mm m ha ca VeriSign bo mt cho thng tin c nhn ca khch hng trn Internet. Trustwave: Trustwave l nh cung cp cc gii php bo mt d liu thanh ton hng u th gii. OnePAY hp tc vi Trustwave trong vic xy dng h tng mng p ng chun bo mt ca cc t chc th quc t, bao gm: American Express, Visa, Inc. and Visa Europe.
i tc truyn thng Bo in t VnExpress: Cc chuyn mc OnePAY cung cp dnh cho c c nhn

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v doanh nghip thng mi in t. Trong , cung cp thng tin lin quan ti cc vn v kinh nghim s dng th thanh ton, bo v quyn li khi thc hin cc giao dch
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in t, vn hnh knh kinh doanh thng mi trc tuyn, kin thc thanh ton th, phng chng gi mo, qun l ri ro... 3. 1.1. Sn phm v dch v Thanh ton trc tuyn OneCOM Pro OneCOM Pro dnh cho cc n v kinh doanh thng mi in t chuyn nghip mun ch ng x l cc giao dch ca khch hng mt cch t ng hoc th cng. u im ni tri Cung cp kh nng chp nhn thanh ton trc tuyn bng th quc t mang Cung cp kh nng chp nhn thanh ton trc tuyn bng th ni a mang thng Tch hp cng thanh ton vo website, email, in thoim fax: cho php gi ha V l i tc ca Master Card ti Vit Nam nn Onepay c li th ni tri trong vic c th chp nhn thanh ton trc tuyn bng th quc t. y l im khc bit ca Onepay so vi cc t chc thanh ton khc. (*) M hnh thanh ton M hnh thanh ton th ni a
Ch th Website Cng thanh ton OnePay Ngn hng ni a Ti khon ch nh ca DN nghip
thng hiu: Visa, MasterCard, AmEx, JCB
hiu: Vietcombank, Vietinbank, DongA, Techcombank, Vib bank, Tienphongbank. n in t c chc nng thanh ton ti khch hng.
M hnh thanh ton th quc t

Ch th Website/Email/F ax/Tel OnePAY T chc th quc t
Ti khon m ti Vietcombank
Ngn hng thanh ton VCB
Ngn hng pht hnh
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Yu cu thanh ton
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Tr li yu cu Giao dch tm ng doanh thu Thanh ton b tr 1.2. Gi dch v OneCOM OneCOM l gi dch v dnh cho cc n v kinh doanh thng mi in t an ton. Vic ng k s dng OneCOM khng i hi cc chng ch v bo mt thng tin th m Trch nhim bo mt v x l thng tin thuc v cng thanh ton. OneCOM cho php doanh nghip chp nhn thanh ton th qua Internet. Gii php ca OnePAY chp nhn thanh ton bng cc loi th gm th quc t v ni a. 1.3. Dch v thanh ton ho n OneBILL OneBILL l dch v thanh ton ha n thng qua ngn hng dnh cho cc nh cung cp dch v. OneBILL c xy dng trn nhu cu gim thiu vic thu cc th cng, doanh thu t giao dch c ghi c trc tip vo ti khon v qun l trc tuyn cc ha n thanh ton. OneBILL cho php khch hng ca cc nh cung cp c th thanh ton ha n s dng dch v hoc np (topup) bng nhng knh thanh ton a dng nh: Thanh ton trc tuyn Internet Banking, ti ATM, ti quy c gn thit b th EFT-POS, qua in thoi di ng hoc bng khu tr ti khon t ng hng thng. Ngoi ra, OnePay cn trin khai cc dch v thanh ton trc tuyn cho hng hng khng Jetstar Pacific, Saigontourist travel, Asiana Tavelmate, Megaster, Furama Resort, Accor Advantages Plus v cc knh bn l trc tuyn nh: Nguyn Kim, Media Mart, hlink, Payoo. 1.4. OneCARD y l dch v cung cp h thng c s h tng pht hnh th thanh ton tr trc nh: gift card, travel card, customer support card...Th tr trc da trn h thng OneCARD cho php mi i tng s hu v s dng, ng thi th tr trc c th dng kt hp vi th ghi n, th tn dng trnh hu ht cc ri ro v thanh ton th. i vi doanh nghip, th c th c doanh nghip trc tip pht hnh vi thng hiu ca mnh tiu dng ni b vi mc ph giao dch cc thp. Mt khc, th cn l
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phng tin doanh nghip chm sc khch hng v xc nh mc chi tiu ca khch hng. i vi ngn hng, th tr trc l cng c l tng pht trin khu vc khch hng c nhn. Th tr trc cng dnh cho i tng c th ghi n, th tn dng phc v nhu cu an ton trong giao dch. Phn tch v nhn nh L mt trong nhng n v cung cp dch v thanh ton ti th trng Vit Nam, OnePAY hin ang dn u trong th trng cung cp dch v thanh ton trc tuyn. T dch v x l giao dch trc tuyn cho cc loi th quc t, OnePAY dn m rng knh thanh ton in t ca mnh bao gm thanh ton qua Internet, thanh ton qua ATM, POS, Internet banking, SMS banking bng cc kt ni vi tt c cc ngn hng ti Vit Nam. OnePAY ang khng ngng m rng dch v cung cp hon thin cc cng c, gii php kinh doanh thong mi in t cho th trng Vit Nam. Vi dch v phong ph, cht lng m bo theo cc tiu chun quc t, Onepay ang c li th trn th trng thanh ton. ng thi, l mt i tc ca Master Card ti Vit Nam, Onepay c th chp nhn thanh ton th quc t Visa, Master Card, JCB y l li th rt ln cho Onepay so vi cc t chc thanh ton khc.
2.
VII. 1.
PAYNET Tng quan. Paynet c thnh lp ngy 24/11/2006 bi mt nhm cc chuyn gia hng u
trong lnh vc ngn hng, vin thng v cng ngh thng tin, PayNet l doanh nghip tin phong trong lnh vc x l giao dch thanh ton in t cho cc nh vn hnh v cung cp dch v in thoi di ng, in thoi c nh, truyn hnh cp, ADSL internet, game trc tuyn, dch v tin ch, bo him, hng khng v thng mi in t Paynet cung cp cc dch v thanh ton in t n ngi tiu dng thng qua cc knh ATM, POS, in thoi, mobile phone v internet ca cc Ngn hng lin kt v mng li cc chui bn l.
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2.
i tc ca PayNet : Nh cung cp dch v in thoi di ng: Mobiphone, Vinaphone, Viettel, S.phone, EVN Telecom Game online: VTC, Cyworld, Asiasoft, Gate, bro. in thoi Internet (VOIP): OCi, SPT. Hc ting Anh trc tuyn: Global Education, BEA. Phn mm: Lac Vit mtd Ti chnh ngn hng: Banknetvn, ABBank, Navibank, Techcombank, VPBank, Thng mi in t: Siu th online Hlink
Maritime Bank, SHB, VIBank, Ngn hng qun i.
3.
Sn phm v dch v Phn phi in t dch v tr trc Thanh ton ha n dch v tr sau PAYNET Thanh ton in thoi di ng Dch v outsourcing Thanh ton trc tuyn
3.1
Phn phi in t dch v tr trc. Paynet phn phi cc m th tr trc ca cc nh cung cp dch v: M th np tin in thoi di ng ca Vinaphone, MobiFone, Viettel, S-Fone, HT
Mobile, EVN Telecom. M th Game online ca VTC game, Cyworld, FPT Gate, Asia Soft, Cyberworld,
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SaigonTel.
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M th in thoi internet (VoIP) ca OCI Viet voice, OCI Saigon voice, SPT
SnetFone M th hc ting Anh trc tuyn ca Globle Education, BEA M th luyn thi trc tuyn ca HHT E learning Hin ti, PayNet m rng mng li phn phi i l ln hn 2500 im ti 54 tnh thnh trn ton quc. Ngoi ra, PayNet cng trin khai m rng mng phn phi in t a cp qua in thoi di ng ci t phn mm mPAY4M nhm phc v khch hng mt cch thun tin nht. 3.2. Thanh ton dch v tr sau Cng thanh ton ho n tr sau ca PayNet kt ni cc nh dch v in, in thoi c nh, in thoi di ng, Internet/ADSL, truyn hnh cp, bo himvi h thng cc ngn hng nhm cung cp cc ho n in t, t ng gch n ho n v thu cc trc tip trn h thng i l ca PayNet hoc cc knh thanh ton in t ca cc Ngn hng kt ni thanh ton ho n. Qua , khch hng c th thanh ton ha n in t qua cc knh: T ng, qua ATM/POS hoc qua Mobile/Internet. 3.3. Thanh ton di ng Bao gm cc dch v thanh ton qua in thoi di ng dnh cho c nhn (mPay4U) v dch v kinh doanh qua in thoi di ng (mPay4B) Trong , khch hng c th s dng mPAY4U mua cc n hng tr trc, thanh ton trn cc website kt ni vi Paynet, thanh ton ho n tr sau Kinh doanh qua in thoi di ng: y l gii php kinh doanh a cp m i l c th kinh doanh hiu qu mang li li nhun cao m khng cn u t nhiu vn. Cc i l kinh doanh c chc nng phn phi cc sn phm do Paynet cung cp v c th s dng tin trong ti khon bn hng. 3.4. Thanh ton trc tuyn Cng thanh ton trc tuyn Paynet (netCASH) NetCash cho php ngi mua thc hin cc giao dch trc tuyn nh: Thanh ton, chuyn khon, yu cu thanh ton, np tin, vn tin s d, theo di lch s giao dch, rt tin, qun l qu trnh x l, gii quyt khiu ni.
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u im ni bt: Ti khon giao dch trc tuyn netCASH c ng k v xc thc, cho php xc Bo v ngi mua v ngi bn nh c ch lu k tin mua hng cho n khi Khng phi nhp cc thng tin ti chnh c nhn nh ti khon ngn hng, s th Vi nhng u im ny, khch hng s yn tm hn khi thc hin giao dch ng thi to iu kin thun li cho cc giao dch din ra.
nh r cc ch th tham gia giao dch.
hon tt giao dch. tn dng, khi mua hng trc tuyn.
Siu th iTick iTick l Cng Thanh ton nhm phc v nhu cu thanh ton cc ha n tr
sau, mua cc dch v tr trc mt cch hin i, tit kim ti a thi gian v cc giao dch c thc hin qua mng Internet. 3.5. Dch v Outsourcing Dch v Outsourcing bao gm: dch v i l thanh ton, dch v pht hnh th v x l giao dch thanh ton in t. Trong , dch v i l thanh ton cho php cc khch hng s dng th ca cc ngn hng c kt ni vi PayNet c th mua v np cc dch v tr trc, truy vn s d, chuyn tin, rt tin, np tin vo ti khon Dch v pht hnh th: PayNet hp tc vi cc ngn hng, cc nh cung cp dch v v cc nh phn phi bn l pht hnh cc loi th tr trc ng thng hiu, th qu tng, th du lch v th thanh ton trc tuyn, th ghi n v th tn dng Hin nay, PayNet thc hin vic qun l v pht hnh th cho Ngn hng An Bnh v ang trin khai cc loi th ng thng hiu vi cc ngn hng khc. Cc knh thanh ton: Cc knh thanh ton ca Paynet gm c: knh thanh ton POS/ ePOS, thanh ton qua Internet v thanh ton qua in thoi di ng.
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4.
Phn tch v nhn nh
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PayNet l doanh nghip tin phong trong lnh vc thanh ton in t ti Vit Nam cung cp nhiu dch v thanh ton in t a dng thng qua cc knh ATM, POS, thoi, mobile phone v internet ca cc Ngn hng lin kt v mng li cc chui bn l. PayNet tp trung kt ni cc nh cung cp dch v tr trc, tr sau v pht trin knh thanh ton in t kt ni vi h thng ngn hng, cho php khch hng thc hin mua sm hng ha dch v, tr cc ph in thoi. qua cc knh giao dch in t nh Internet, in thoi di ng, ATM v POS. Nh vy, PayNet c mng li i tc rng khp nhiu lnh vc to iu kin gip cho PayNet dn u trong vic cung cp cc dch v thanh ton a nng. Thng qua vic Banknetvn kt ni vi Paynet, cc ngn hng thnh vin Banknetvn c th s dng th thc hin cc giao dch ti cc i l POS ca PayNet ng thi Banknetvn s ng vai tr l n v trung gian thc hin kt ni vi h thng ca PayNet. iu ny rt c li trong vic m rng mng li chp nhn th cho Banknetvn. S lin kt gia 2 h thng ny m ra c hi thc y cc dch v phn phi v thanh ton ho n in t, trong cc bn ngn hng, nh cung cp dch v v mng li i l tham gia ch cn mt kt ni duy nht. PayNet tng rt pht trin trn th trng thanh ton, nhng n nay, do s bng n cnh tranh mnh m ca cc t chc thanh ton v do nhng vn pht sinh trong qu trnh hot ng, PayNet khng gi c v th tin phong v dn u nh trc.
VIII. WEBMONEY 1. Tng quan v Webmoney WebMoney Transfer l h thng thanh ton trc tuyn Ton cu qua Internet, thnh lp nm 1998 ti Lin bang Nga. Sau hn 13 nm, n nay H thng Webmoney t c nhng du mc quan trng sau: tng; Hn 200.000 giao dch/ngy v gn 10.000 lt ngi ng k mi/ngy;
8 loi tin t trong h thng Webmoney; Hn 15 triu ti khon ng k; Giao dch hn 20 triu USD/ngy, khong 10 t USD/nm 2010 v khng ngng
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Hn 20.000 Website trn Ton cu chp nhn thanh ton bng Webmoney vi Hn 200 mng in thoi di ng trn Ton cu chp nhn thanh ton bng
hng trm nghn mt hng khc nhau (www.megastock.com);
Webmoney. Gii thiu Webmoney Vit Nam V in t WebMoney Vit Nam ( Vit tt l V in t WMV) c Ngn hng Nh Nc cp giy php hot ng nm 2009, Ngn Hng Thng Mi C Phn Vit (VAB) l n v bo lnh tin Vit. Cng ty CP Dch v Thng mi Vit Nam Trc tuyn (vit tt l VNO) trc thuc Tp on i S Tr (Yeah1) - l n v s dng c quyn thng hiu WebMoney v chu trch nhim pht trin V in t WMV ti Vit Nam 2. Cc i tc chnh ca Webmoney Cc ngn hng h tr np v rt tin: Lienvietbank, ACB, Sacombank,
DongABank, MB, Vietcombank, BIDV, Techcombank, Agribank. Cc trang web chp nhn thanh ton th WMV : chnvmua.vn; lidch.com; Cc n v nhn thanh ton: Viettel, AirMekong, Jetstar, truyn hnh cp Vit ephim24g.net; okmua.vn; Infotech.vn
Nam, truyn hnh cp H Ni 3. 4. 4.1. Cc sn phm & dch v ca Webmoney Rt tin Chuyn khon Mua sm qua mng Thanh ton ho n truyn hnh cp, in thoi, in, nc, t v my bay Thanh ton trn cc website bn hng Chuyn khon d dng t v sang v Khng cn ng k thng tin khi np v giao dch di 5 triu ng. nh gi v Webmoney im mnh:
Cc tin ch ca Webmoney:
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4.2.
L thnh vin ca Webmoney th gii do em n nhiu tin ch cho vic gii C th s dng c 8 loi tin t trong h thng Webmoney th gii Hn ch Webmoney Vit nam cha thc s c c ph v s nhn bit rng ri.
thiu v bn sn phm n Khch hng khng nhng Vit Nam, m cn trn Ton Cu.
IX.
ECPay Cng ty c phn Gii php Thanh ton in lc & Vin thng (ECPay) c thnh
Tng quan lp thng 05 nm 2010 ti Thnh ph H Ch Minh. Cng ty c thnh lp bi Cng ty C phn Ti chnh in Lc, Cng ty Thng tin Vin thng Di ng EVNTelecom, Tng cng ty in lc TP. H Ni, Tng cng ty in lc TP. H Ch Minh. Cc dch v cung cp: 1. Cung cp cc gii php, dch vt hanh ton Qun l cng thanh ton ca tp on in Lc Pht hnh v in t Tng i l pht trin thu bao ca EVNT i tc i tc ngn hng Ngn hng TMCP ng (DongABank) i tc vin thng Tng cng ty vin thng ton cu (Gtel) Cng ty thng tin di ng (VMS) Cng ty thng tin vin thng in lc EVN Telecom i tc khc Wayia Inc & Chunghwa Telecom Tp on Qu u t mo him Concord Cng ty Taisys Ltd Cng ty Thng tin di ng (VMS Mobifone)
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Dch v Kt ni dch v ngn hng M-link Dch v kt ni di ng M-Link (Mobile Linkage) l dch v ngn hng in t (M-Link Mobile Banking) trn knh in thoi di ng thng qua SIM vin thng c ci t phn mm thanh ton M-Link, cho php khch hng ca cc ngn hng thc hin cc giao dch ngn hng in t (bao gm v khng gii hn cc giao dch ti chnh v phi ti chnh trn ti khon) mt cch nhanh chng, tin li v an ton theo nh hng Tin li tng bc, tit kim tng giy Cng thanh ton tin in EC-Pay Cng thanh ton tin in EC Pay l cng thanh ton tin in cho tp on in lc Vit Nam (v kt ni n cc n v cung cp dch v khc). Tin ch: S dng dch v ngn hng di ng: Giao dch ti khon ngn hng trn in thoi di ng Phi hp vi Ngn hng trin khai knh cng tc vin, i l thu tin in thng qua dch v thanh ton qua ngn hng. Pht trin cc n v chp nhn thanh ton bng V in t sau khi pht trin kt ni n cc n v in lc. V in t Edong ECPay pht hnh v in t - EDONG. V in t ny l ti khon c qun l bi ECPay m qua khch hng c th thc hin c cc giao dch thanh ton in t. ECPay s lm vic vi cc ngn hng cho php khch hng s dng ti khon ngn hng ca mnh np tin vo ti khon EDONG phc v cho mc ch v thanh ton. Ngn hng di ng M-link Tin ch: Truy vn s d ti khon: ti khon thanh ton, ti khon th tn dng, ti khon vay, ti khon tit kim Qun l lch s giao dch v thng tin ti khon Thng bo bin ng ti khon
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Thanh ton ha n in v cc dch v khc do ECPay cung cp Chuyn khon gia cc ti khon ca cng mt c nhn Chuyn khon ni b ngn hng Chuyn khon tit kim, chuyn khon thanh ton th tn dng Chuyn khon lin ngn hng Thanh ton cc dch v do Ngn hng cung cp
Phn tch v nhn nh ECPay l cng ty mi thnh lp t nm 2010 bi cc thnh vin sng lp l cng ty in lc v cng ty Thng tin vin thng di ng EVN Telecom. Hin ECPay mi ch trin khai dch v trong phm vi xy dng v qun l cng thanh ton in t ca ngnh in, bao gm in v vin thng in lc. Ngoi ra, cc dch v khc ngoi ngnh in hin cha hon thin v pht trin. Do mi thnh lp v khng c nhiu tin ch ni bt nn v in t EDONG cha thc s li du n trn th trng.
X. 1.
VINAPAY Tng quan v VinaPay Cng ty C phn Cng ngh Thanh ton Vit Nam (tn gi tt l VinaPay) chnh
thc c thnh lp vo thng 5 nm 2007 do cc nh u t nc ngoi hng u trn th gii: Tp on Cng ngh Net-1 (M); Qu u t IDG Ventures (M) v Tp on MK Vit Nam. VinaPay hng n pht trin v cung cp cc dch v, cng ngh hin i, tin ch trn in thoi di ng, internet nhm p ng nhu cu thanh ton mt cch n gin, an ton v nhanh chng cho ngi dn v doanh nghip Vit Nam. Qua , VinaPay gp phn pht trin ngnh thng mi in t (e-commerce & m-commerce) ti Vit Nam. Chin lc pht trin ca VinaPay: Mc tiu: a VinaPay tr thnh Cng ty hng u v dch v thanh ton in t,
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thanh ton di ng ti Vit Nam v c nhn bit tm khu vc. Chin lc pht trin: thc hin c s mng v mc tiu ra, chin lc pht trin ca VinaPay tp trung u t nn tng cng ngh v xy dng mt h thng
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qun l, bn hng chuyn nghip vi trng tm l nhu cu ca khch hng v tin ch cao nht cho i tc kinh doanh. Song song vi , VinaPay a ra cc gii php thanh ton in t an ton, ph hp v d p dng cho ngi tiu dng v doanh nghip Vit Nam. Ngoi ra, VinaPay p dng cc hnh thc marketing hiu qu v ph hp cho tng giai on v tng mc tiu pht trin. 2. i tc ca VinaPay i tc trong lnh vc u t: Tp on Cng ngh Net-1 U.E.P.S (M) IDG Ventures Vietnam (M) Tp on Cng ngh MK (Vit Nam) i tc trong lnh vc ti chnh ngn hng: Cng ty CP dch v th Smartlink. Ngn Hng TMCP Cng thng Vit Nam Ngn Hng TMCP Qun i. Ngn Hng TMCP ng . i tc trong lnh vc vin thng Cng ty CP dch v phn mm tr chi trc tuyn Vinagame. Cng ty CP dch v trc tuyn FPT. Cng ty CP dch v bu chnh vin thng Si Gn Tng cng ty vin thng Qun i Cng ty CP vin thng H Ni Cng ty CP dch v vin thng GPC Cng ty thng tin vin thng in lc. Cng thng tin Game Online. Cng ty in ton v truyn s liu. i tc trong lnh vc cng ngh Cng ty C phn Cng ngh MK Cng ty c phn Cng ngh Ti chnh Vin thng FTL i tc trong lnh vc phn phi
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3. 3.1.
Cng ty Fixed & Mobile Siu th in thoi Nam Cng ty CP th gii di ng Cc sn phm v dch v ca VinaPay V in t Vcash V in t Vcash l mt ti khon in t m s ti khon chnh l s in thoi di
ng . Tin trong V in t c gi l Vcash (1Vcash = 1VND). Vi V in t Vcash khch hng c th d dng kinh doanh tng thm thu nhp, chuyn v nhn tin, thanh ton ha n tr sau, thanh ton cho cc giao dch mua/bn hng trc tuyn d dng, thun tin v an ton vi chnh chic in thoi di ng ca mnh hoc my tnh c kt ni vi Internet. V in t Vcash c chia lm 2 loi: Vcash c ngn: Vi V in t Vcash khch hng c th d dng tham gia mng li ca VinaPay
phn phi dch v np tin in thoi, m th tr trc ca cc nh cung cp dch v vin thng, Game Online, in thoi Internet. Ch bt u vi 500 nghn cng vi mc hoa hng hp dn t 5% n 18% khch Bt c lc no khch hng cng c th rt Vcash trong V in t ly tin mt Vcash doanh nghip: Chc nng c bn ca V in t Doanh nghip l Nhn thanh ton Online sau Chc nng ny cho php khch hng c th thanh ton ha n mua hng ti hng c th tng thm thu nhp ln n hng triu ng mi thng. nu khng mun tip tc kinh doanh.
khi tch hp kt ni vi h thng thanh ton ca VinaPay. website ca doanh nghip ngay lp tc mt cch thun li, an ton v nhanh chng. 3.2. Mr. Topup: Tt c cc c nhn, tp th, doanh nghip s dng V in t Vcash phn phi
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dch v np tin cho cc ti khon in thoi di ng, game online, in thoi internet ca VinaPay ti tay ngi tiu dng cui cng c gi l MrTopUp.
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Vi hn 5000 i l rng khp trn 50 tnh thnh, mng li MrTopUp l mt
trong nhng knh phn phi dch v np tin trc tip, m th tr trc ln nht Vit Nam. Dch v cung cp VinaPay l nh phn phi hng u trong lnh vc phn phi th tr trc, dch v
tr chi trc tuyn cho cc nh cung cp dch v vin thng, truyn thng thng qua in thoi di ng, my tnh c kt ni Internet hoc Kiosk. Cc dch v ung cp cho Mr.Topup + M th tr trc Dch v ny cho php khch hng c th mua cc loi th ca nhiu nh cung cp dch v khc nhau nh th in thoi, th game online, th gi in thoi quc t vi y cc mnh gi khc nhau. + Np tin trc tip: Cc MrTopUp c th np tin trc tip vo Ti khon tr trc vi nhiu mnh gi khc nhau ca thu bao in thoi, ti khon game Online ca VTC v ti khon x s trc tuyn. Khch hng ch cn cung cp s in thoi hoc m s ti khon, MrTopUp s tin hnh np trc tip tin vo ti khon ca khch hng. 3.3. Phn phi tr trc VinaPay l mt nh phn phi hng u ti Vit Nam cho sn phm, dch v tr trc ca cc nh cung cp dch v vin thng v tr chi trc tuyn thng qua in thoi di ng, my tnh c kt ni Internet hoc Kiosk. 3.4. Thanh ton online L hnh thc thanh ton gia c nhn vi cc doanh nghip kinh doanh, bn hng Ngi mua thanh ton gi hng ti website ca doanh nghip sau khi chn hnh Thanh ton m bo L hnh thc thanh ton gia hai V in t Vcash cho cc giao dch thng mi
trc tuyn. thc thanh ton bng V in t Vcash. 3.5. 131
in t m s tin thanh ton s c m bo bi VinaPay.

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Khi giao dch thnh cng, tin m bo s c chuyn vo V in t ca Ngi
Bn. Khi giao dch tht bi, tin m bo s c chuyn tr li vo ti khon V in t Ngi Mua. 3.6. Thanh ton ha n tr sau Dch v thanh ton ha n tr sau l dch v thu h cc ca VinaPay hp tc vi cc nh cung cp dch v to iu kin cho ngi tiu dng c th thanh ton cc loi ha n in, nc, internet, in thoi tr sau, truyn hnh cp mi lc mi ni vi V in t Vcash ca VinaPay. 3.7. Dch v xc thc (OTP): Gii php xc thc bng cng ngh s dng mt khu mt ln (OTP One Time Password) l dch v xc thc doVinaPay cung cp cho cc t chc v doanh nghip c h thng qun l ti khon ca khch hng v c nhu cu xc thc ngi dng cng nh giao dch m bo an ton cho ti khon ca khch hng khi truy cp hoc lm giao dch trn Internet. 4. Phn tch, nhn nh VinaPay c li th trong vic i u trong lnh vc TMT v li th v mt cng ngh. VinaPay l mt trong hai doanh nghip hot ng trong lnh vc thng mi in t ca Vit Nam lt vo danh sch 100 doanh nghip cng ngh thng tin (IT) Chu tiu biu nm 2007, vn bo mt s lun c VinaPay ch trng m bo s an ton cho khch hng, em n nhng sn phm, dch v cht lng. T khi mi thnh lp, VinaPay lin tc trin khai cc dch v mi v m rng cc sn phm, dch v ca mnh n ngi dng nh thanh ton online, thanh ton tr sau.... Song song vi vic u t cng ngh, pht trin sn phm v dch v, VinaPay cng ch trng pht trin cc hot ng tip th xy dng thng hiu. Cng vi vic m rng mng li, VinaPay h tr khch hng bng cc gi tr cng thm trong dch v chm sc khh hng, h tr tip th. y l chin lc pht trin hp l ca VinaPay khin cho VinaPay lun gi c ch ng trn th trng XI. 1. MOBIVI Tng quan
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MobiV (Cng ty C phn H tr Dch v Thanh ton Vit Ph) l t chc cung ng dch v thanh ton in t hng n xy dng v vn hnh mng thanh ton in t hin i v rng ln nht Vit Nam, kt ni hu ht cc ngn hng, doanh nghip hng u v hng triu ngi dng. Thnh lp vo thng 08 nm 2007, MobiV l t chc phi ngn hng u tin ti Vit Nam c Ngn hng Nh Nc Vit Nam cho php cung cp dch v h tr thanh ton vo thng 8/2008. MobiV c mt b my nhn s vng mnh l cc chuyn gia, tin s cng ngh thng tin, an ton bo mt, ti chnh ngn hng c o to t M, Canada, c c chuyn mn cao, nhiu nm kinh nghim, tham gia sng lp v lnh o cc cng ty ln trong lnh vc cng ngh thng tin v ti chnh ngn hng. Hin MobiV c hn 30 bng pht minh do M cng nhn v an ton bo mt, s hu nhiu cng ngh mi trong lnh vc ng dng cng ngh thng tin, v c bit thnh cng trong xy dng gii php v sn phm ng dng cng ngh thng tin cho doanh nghip. MOBIVI l mt thng hiu sn phm v in t ( e-wallet). Vi u th l vn ln, cng ngh cao cng ty c xy dng bi Vit kiu M ny ang mun nh hng dn d th trng theo quan im ng ln. H kt ni vi cc big merchant hng th trng s dng theo. 2. i tc ca Mobivi
Mobivi lin kt vi cc nh cung cp dch v VCTV, SCVT, HTV, VNPT, FPT, SPT, VIETTEL, MOBIFONE, EVN, VINAPHONE, trng i hc ngoi thng. Cc ngn hng i tc ca MOBIVI bao gm 17 ngn hng: Techcombank, VIB, Maritime Bank, Nam Bank, LienViet Bank, ACB, BIDV, Sea Bank, SHB, SCB, VPBANK, Exim Bank, Sacombank, Vietcombank. 3. Sn phm, dch v ca Mobivi V in t MOBIVI c 2 hnh thc: Online-Mobivi v Bank-Mobivi. Trong v Bank-Mobivi do ngn hng i tc v Mobivi cng hp tc pht hnh, c 3 ngn hng hp tc vi Mobivi l Nam Bank, VIB Bank, Techcombank. V ny c th c ng k ti cc chi nhnh 3 ngn hng ny trn ton quc v ch ti khon ngn hng c th
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chuyn tin qua v mt cch nhanh chng nht ng thi c quyn tra sot khiu ni nhng giao dch ca khch hng. Vic kt hp vi ngn hng lm tng gi tr thng hiu cho Mobivi v c tc dng tm l ti khch hng khin h an tm hn vi vic s dng mt chic v in t. Dng gi sn phm Bank-Mobivi, khch hng khng cn phi chng thc v nh gi Online-Mobivi v hn mc s dng, hn mc thanh ton trc tuyn theo ngy l cao nht. Np tin: Khch hng c th np tin t ATM, SMS Banking, Internet Banking, Rt tin: Khch hng c th rt tin t v in t v ti khon ngn hng ca np tin qua v in t bn b. chnh mnh bng cc thao tc n gin d thc hin. Vi 17 ngn hng lin kt vi Mobivi, vic np rt tin tr nn thun tin v nhanh chng. y l mt trong nhng loi v in t tt nht trn th trng. Chuyn khon: Hin ti Mobivi ch p dng chuyn khon sang ti khon v khc. Chuyn khon kiu hi ang p dng cng c 1 chiu (one-way) t ti khon ngn hng v v in t trong nc. Khch hng c th s dng v khi ng nhp vo ti khon trn trang web mobivi.vn hoc l s dng in thoi vi chc nng SMS hoc ci ng dng Java mua sm, np tin. SMS E-wallet. Vi chc nng SMS ca in thoi di dng, khch hng c th np topup, mua sm , kim tra s d, thanh ton cc taxi Mailinh ch bng mt tin nhn. MOBIVI cho php s dng nhng tnh nng sau y ca dch v v: 3.1. Mua hng trc tuyn
Khch hng c th thanh ton trc tuyn trn website bn hng hoc chuyn khon t v in t ngi mua sang v in t ngi bn thc hin mua bn. Khch hng cn ng k mt v in t s dng mua hng trc tuyn trn cc website bn hng c biu tng ca MOBIVI. Hin ti c rt nhiu website dnh u i gim gi ln nu thanh ton qua v in t Mobivi. iu ny chng t lng khch hng merchant ca MOBIVI rt ln v MOVIVI c mi quan h rt tt vi cc i tc. 3.2. Mua th in thoi v th hc trc tuyn, th game
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y l phn khc th trng m MOBIVI hot ng mnh nht, em li doanh thu ch yu cho cng ty ny). Vi phn khc mng xy dng h thng i l mnh vi chit khu cao theo mc doanh s. MOBIVI thc s c thng hiu mnh th trng ngch ny. Khch hng no cng c th ng k lm i l cho MOBIVI, cc ca hng bn l, cc ca hng kinh doanh in thoi, th cao, tp haTin ch ng dng tnh nng MOBIVI TOPUP, MOBIVI POS km theo vic bn cc sn phm h tr nh my in nhit, MOBIVI to ra c i ng i l rng ln cho mnh. Khch hng khng phi b nhiu vn v khng phi tch tr hng l th co nh trc. Tnh linh hot trong cng ngh nhanh chng gip cho i l kinh doanh tt hn v quay vng vn nhanh nht. Vi mc doanh s cng cao th mc chit khu cho th cng ln, ban u h c chit khu 6,5%. Ngoi ra vic kt ni vi cc trang web kinh doanh E-Learning, Mobivi cn cung cp cho khch hng cc loi th hc trc tuyn, t in lc vit hay cc th game, Vcoin ca cc nh cung cp dch v 3.3. Thanh ton ha n Ngi s hu v MOBIVI c th thanh ton ha n tin in, tin mng vin thng, truyn hnh cp v c tin hc ph trn c nc bng vic click vo thanh ton online trn trang website nh mng, in lc, vi ha n nc ch p dng trong khu vc Ph M Hng, TP.HCM). 4. Phn tch v nhn nh Mobivi lin kt vi cc nh cung cp dch v VCTV, SCVT, HTV, VNPT, FPT, SPT, VIETTEL, MOBIFONE, EVN, VINAPHONE, trng i hc ngoi thng. Bng vic tin phong trong dch v v in t c th thc hin chi tiu cho mi nhu cu ca cuc sng, khch hng s hu Mobivi c th s dng y chc nng nh mt th ngn hng thm ch cn tt hn v lng i tc ca Mobivi l rt mnh, khch hng khng cn dng qu nhiu th cho vic chi tiu m ch cn s hu 1 v in t. Hin ti MOBIVI ang l i tc ca 17 ngn hng thc hin chuyn tin, np rt tin. Mt khc, Mobivi c li th v mt cng ngh, cc bin php an ton bo mt, cng ngh thng tin
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XII. 1.
VNPT EPAY Tng quan
Cng ty C phn Thanh ton in t VNPT (VNPT EPAY) c thnh lp bi Tp on Bu chnh Vin thng Vit Nam (VNPT), Cng ty Thng tin Di ng (VMS), Cng ty C phn T vn v u t Cng ngh mi (CNI) v cc C ng khc. Ngay t khi thnh lp, VNPT EPAY ch trng u t, xy dng c s h tng k thut, m rng kt ni v khng ngng pht trin tr thnh nh cung cp dch v thanh ton in t hng u ti Vit Nam vi mc tiu mang n nhng tin ch tt nht cho khch hng v li ch cho cng ng. 2. i tc ca VNPT Epay Tp on bu chnh vin thng Vit Nam VNPT Cng ty thng tin di ng VMS Cng ty CP T vn u t Cng ngh mi CNI., JSC: CNI l cng ty cng
Thnh vin VNPT Epay
ngh, hot ng ch yn trong lnh vc cung cp gii php mng v an ton, an ninh mng. CNI l i t ca cc tp on cng ngh ln trn th gii trong lnh vc hot ng ca mnh i tc ca VNPT Epay: Banknetvn: VNPT Epay thc hin kt ni cng thanh ton in t vi h thng chuyn mch ca Banknetvn nhm cung cp v m rng cc dch v thanh ton in t cho ch th ngn hng thnh vin Banknetvn ti h thng im t my thanh ton t ng (POS) ca VNPT Epay. 3. Nh cung cp dch v: Viettel Telecom, Vinaphone, Mobifone, VDC. Sn phm v dch v Dch v chp nhn th Thanh ton trc tuyn Thanh ton di ng
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Pht hnh th
Vi kh nng kt ni rng khp, an ton, chnh xc, giao dch bng loi hnh thanh ton in t s dn thay th hot ng thanh ton truyn thng, em li li ch to ln cho cc doanh nghip, c nhn trong giao dch thanh ton. 3.1. V in t MegaPayment: Dch v V in t MegaPayment do VNPT EPAY cung cp v pht trin l mt ti khon in t, ng vai tr trung gian lin kt gia khch hng - ngn hng ca khch hng - nh cung cp dch v h tr thm mt knh thanh ton hin i v nhanh chng cho cc khch hng. MegaPayment c s dng thanh ton thng qua cc mi trng in t nh: Internet, Mobile, ATM/POS 3.2. LMS Dch v qun l v chm sc khch hng thn thit cho php cc doanh nghip s dng dch v to s lin h, gn kt vi cc khch hng ca mnh thng qua cc chng trnh chm sc khch hng tin tin. 3.3. MobileBanking Dch v Ngn hng di ng (E-Mobile) cung cp cho ngi dng thc hin cc giao dch trn ti khon ngn hng thng qua thit b di ng. Dch v E-Mobile cho php s dng kt ni qua SMS hoc GPRS. 3.4. Topup Dch v Topup l dch v np tin vo ti khon tr trc ca khch hng. Cng ty VNPT EPAY l nh phn phi hng u dch v Topup ti VN, vi hn 1.200 im i l khch hng, knh phn phi ti 64 tnh thnh ph trn ton quc. 3.5. CA (chng thc ch k s) VNPT-CA l dch v chng thc ch k s cng cng ca Tp on Bu chnh Vin thng Vit Nam. VNPT tr thnh n v u tin c cung cp dch v chng thc ch k s cho c quan, t chc, c nhn s dng trong cc hot ng cng cng. Vi mc tiu nhm thc y pht trin Chnh ph in t, thng mi in tVNPT-CA s c cung cp vi quy m trn ton quc. 3.6. SVC( Store-value card (SVC)
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Th tin mt - l loi th c nh cung cp pht hnh cho khch hng vi gi tr tng ng tin mt hoc im thng c cha trong th, khch hng c th s dng th ny thanh ton cho dch v v /hoc tham gia cc chng trnh chm sc khch hng ca nh cung cp . 4. Phn tch, nhn nh VNPT Epay l n v dn u Vit Nam v lnh vc thanh ton in t vi dch v u vit nht l v in t MegaPayment. Do li th v cng ngh ca VNPT, ngun lc mnh v con ngi, cng ngh, h thng v c quan h tt vi cc i tc, nh cung cp ln nh Viettel,VDC, Vinaphone, Mobiphone l nhng li th trong vic trin khai thnh cng cc dch v ca Epay ti Vit Nam. Vi danh mc sn phm a dng, cht lng tt, mng li kt ni rng ri v tin dngEpay hu h n s cho ra i nhng dch v thanh ton trc tuyn u vit i vi khch hng trong tng lai gn. Epay c nh gi l n v thanh ton ln mnh ti Vit Nam thi im hin ti.
XIII. MY PAY 1. Tng quan CTCP thanh ton a knh DMC n v s hu cng thanh ton Mypay. MyPay l cng thanh ton trc tuyn hng u ti Vit Nam. Hin nay, ngi tiu dng dn c thi quen nhn lng, chuyn khon, rt tin chi tiu qua ATM. Tuy nhin, cc th tc rm r, tn km chi ph v thi gian l ro cn tm l i vi ngi tiu dng. Ti MyPay, ngi tiu dng c th la chn dch v, sn phm ph hp; la chn hnh thc thanh ton nhanh gn, n gin v tin li. 2. Sn phm v dch v Np tin v mua m th: khch hng c th np tin v mua m th qua cc knh:
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Cc dch v ca MyPay bao gm: Internet v tin nhn SMS.
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L t: DMC tr thnh nh i l phn phi c quyn ca Cng ty X s Kin
Thit Th thng 4-2011, cung cp dch v L t tr chi c thng trc tuyn da trn kt qu s x th . Thanh ton trc tuyn: MyPat lin kt vi cc nh cung cp dch v ngi tiu Chuyn v rt tin: thng qua h thng ca Banknetvn v Smartlink, qua mng dng c th thanh ton online cc tr gii tr: game, zing, sc bay v cc trang x hi li quy tin MyPay v qua h thng Chuyn tin ca MyPay vo ti khon ngn hng. Cc dng sn phm chnh: 3. MyBuyandBill Chuyn tin a knh Hp tc vi MyPay C hi kim tin Np tin v mua hng tiu dng r. C thng khi i Tin MyPay hoc tham gia nhng s kin ca MyPay Chuyn tin nhanh chng vi ph r nht Vit Nam hin nay. Chuyn tin v thanh ton trc tip qua knh SMS mt cch tin li v an ton. Phn tch, nhn nh MyPay l cng thanh ton trc tuyn tin dng v nhm vo phc v ngi dng c nhn vi cc nhu cu thanh ton thit yu. Nhn chung v mng li ca MyPay cn yu. Nh cung cp v i tc cha tht mnh nh cc cng thanh ton trc tuyn khc. I. 1. Vietpay Tng quan
Cc quyn li khi tham gia:
Cng ty C phn thanh ton in t Vit, gi tt l VIETPAY c thnh lp t thng 5/2007, l mt trong nhng cng ty u tin tham gia th trng cung cp dch v thanh ton in t Vit Nam. Cng ty VIETPAY la chn kinh doanh thng mi in t
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xy dng nn tng cho dch v thanh ton in t. VIETPAY l n v vn hnh cc dch v VTOPUP, VPIN, VGOLD. T nm 2007 2010 VIETPAY tp trung ngun lc kinh doanh thng mi in t, chuyn phn phi cc sn phm m th tr trc, sn phm np ph trc tip cho cc mng di ng, cc nh cung cp dch v trc tuyn (game online, e-learning) ti cc im bn l, im internet caf, im bn in thoi Vit Nam. 2. i tc ca Vietpay Mng in thoi: 7 mng in thoi gm Viettel, Vinaphone, Mobifone, Nh pht hnh game: Zing VNG, VTC, Bac FPT, OnCash VDC Net2E Ngn hng: Techcombank, ng Bank v Agribank, BIDV, Vietinbank, Sn phm, dch v ca Vietpay Vietpay xc nh hng i ch yu ca cng ty mnh v mng np ph in thoi, th game, th hc trc tuyn v cc loi th quc t. Cng ty bt u hot ng dch v t nm 2008 vi vic cung cp dch v VCARD, bn th co ti website, www.vcard.vn ti cc im bn trn c nc. T y to cho cng ty mt h thng database khch hng tim nng trong cc dch v sau ny cng ty trin khai nh TOPUP, VPIN, SIM VIETPAY VTOPUP dch v np ph: Cung cp dch v np ph, thanh ton ph cc dch v VPIN bn m th: Bn tt c cc loi m th tr trc c mt Vit Nam, bao V GOLD: l dch v ti khon ca cng ty Vietpay, p ng nhu cu thanh ton ct li Vit Nam bao gm cc mng di ng, cc dch v trc tuyn. gm cc mng di ng, cc dch v trc tuyn trc tuyn an ton, thun tin ca c ngi dng c nhn v doanh nghip. Dch v VGOLD cung cp gm: Np ph tr trc v thanh ton ha n tr sau ca tt c cc mng di ng:
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Vietnammobile, Beeline, EVN, S-fone.
Vietcombank 3.
Viettel, Mobifone, Vinaphone, S-Fone, EVN, Telecom, Beeline v Vietnamobile.
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4.
Np ph s dng cc dch v trc tuyn: Game Online, hc trc tuyn Thanh ton ha n tin in, tin nc, tin truyn hnh cp Thanh ton tin mua v my bay, v xem phim Phn tch v nhn nh Hin ti v in t VGOLD ch c th mua m th qua VPIN, bn tin in thoi
VTOPUP m cha c chc nng mua sm hng ha trc tuyn hay thanh ton ha n. Sp ti VIETPAY s cho trin khai cng ngh vn hnh h thng thanh ton trc tuyn vi chic v ny. Dch v VPIN, VTOPUP ca VIETPAY tng t nh cch hot ng ca MOBIVI. i tng m cng ty nhm n trc ht ti ngi s dng trn ton quc v cc i l nh ng ngch ti mi ni trn ton quc. Mc chit khu ca VIETPAY p dng ty tng loi th v mnh gi. Mc chung l chit khu 6.5% cho th in thoi v 8% cho th game, 10% cho th hc trc tuyn nh trng Vit Nam. Cc khch hng np tin bng VPIN, VTOPUP vn s c hng khuyn mi nh bnh thng. Vi vai tr trung gian gia nh cung cp v ngn hng, VIETPAY c doanh thu giao dch tt nht ti Techcombank v c cc nh mng nh gi l cng ty hng u th trng phn phi m th, np ph. Th phn hot ng ca VIETPAY tp trung ti Min Bc l chnh. Hin ti cng ty cng c chi nhnh ti TP.HCM v trong thi gian ti s c thm nhng dch v mi trong mng mua sm v thanh ton trc tuyn. Vietpay cng ang tip cn mt s khch hng ln nh Vinabook, cc hng bo him t xe my, siu th in t v in hoa. Nhn vo hng tip cn khch hng ny, c th thy c cc sn phm trong tng lai ca Vietpay l pht trin v in t Vgold v ny c th thanh ton hng ha ti cc i l ln hoc dng sim Vietpay bn tin nh bnh thng.
XIV. MPAY Tng quan M-Pay c thnh lp ngy 08/12/2008 theo Giy KKD s 0101505695 ca S KH&T Thnh ph H Ni. M-Pay cho ra i dch v truyn tin in an ton qua in thoi di ng ng vai tr nh mt knh phn phi dch v ca ngn hng v c
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s dng thc hin cc giao dch thanh ton qua in thoi di ng mt cch d dng, an ton, bo mt v tin cy. Dch v truyn tin in an ton qua in thoi di ng ca M-Pay c cung cp thng qua cc ngn hng i tc ca M-Pay v mng li i l M-Plus trn ton quc. Khch hng ca cc ngn hng cn ng k s dng dch v M-Plus (i) thc hin thanh ton cho cc c nhn (doanh nghip) khc ;hoc (ii) nhn thanh ton t h thng qua in thoi di ng mt cch an ton v tin li. i tc ca MPAY Ngy 08 thng 01 nm 2010 - Dch v thanh ton di ng Ngy 10 thng 11 nm 2010 - Dch v thanh ton di ng Ngy 08 thng 07 nm 2011 - Dch v thanh ton di ng Ngy 08 thng 03 nm 2011 - i l phn phi m th tr trc Ngy 01 thng 04 nm 2011 - i l Top Up thu bao tr trc Ngy 24 thng 04 nm 2011 - Dch v thanh ton ha n
Sacombank OceanBank GPBank SaigonTel VinaPhone VNPT
Sn phm, dch v ca MPAY M-Plus Mobile i tng s dng: Khch hng c nhn c nhu cu thc hin giao dch ngn hng mi lc mi ni. Cc h kinh doanh nh, s lng giao dch t, khng c my tnh kt ni internet. Cc tin ch ca sn phm: Kim tra s d ti khon. Xem 5 giao dch gn nht. Thanh ton cho thnh vin M-Plus khc. Thanh ton cho ch th ATM. Thanh ton cho ch ti khon.
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Thanh ton cc ha n dch v hng thng: Tin in , in thoi, nc,... Mua hng trn iMart. i vi cc h kinh doanh nh, ngoi cc tin ch nu trn, M-Plus Mobile cn h tr thm cc chc nng bn hng hng trn iMart v lm dch v thanh ton h ha n. Li ch m sn phm mang li: Khng cn phi n ngn hng hay tm kim my ATM, thnh vin M-Plus c th thc hin cc giao dch ngn hng ti bt c u v bt c thi gian no: Kim sot tnh hnh ti khon tin gi ti ngn hng, chuyn tin cho ngi thn, mua hng khng cn mang theo tin mt... Nhn thng bo thanh ton ha n (tin in , in thoi, nc,...) qua in thoi di ng, ch ng thanh ton tng ha n vo thi im thch hp. Cc h kinh doanh nh c thm c hi bn hng nh m rng phng thc chp nhn thanh ton, c thm dch v mi: thanh ton h ha n, bn hng iMart v tng thm thu nhp. M-Plus Merchant i tng s dng: Cc doanh nghip thng mi (Siu th, Nh hng,...) c s lng giao dch ln, trang b my tnh phc v tnh tin cho khch hng. Cc tin ch ca sn phm: M-Plus Merchant c y cc tin ch nh M-Plus mobile, ngoi ra cn h tr thm mt s tin ch sau: Gi ngh thanh ton: H tr cc thnh vin M-Plus thanh ton tin mua hng ch bng vi nt bm. Thanh ton h ha n v hng tin hoa hng. Bn hng trn iMart v hng tin hoa hng Cc tin ch h tr vic kim sot tnh hnh bn hng thng qua h thng M-Plus Merchant. Li ch m sn phm mang li:
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Nhn tin thanh ton t cc khch hng s dng dch v M-Plus m khng cn lp t thit b POS. Tng thm c hi bn hng nh m rng cc phng thc chp nhn thanh ton Gim chi ph qun l tin mt, khng cn lo thiu tin l tr li cho khch. Tit kim nhn lc, tit kim thi gian, gim thiu sai st. c hng chit khu bn hng t cc dch v M-Plus. Qun l ti nh s d v cc pht sinh trn ti khon. M rng hot ng kinh doanh. Tn dng tt c h tng sn c, chi ph u t ban u v vn hnh thp. M-Plus Billing i tng s dng: Cc cng ty dch v cung cp dch v tr sau (cng ty in thoi, in lc, cp nc, truyn hnh cp,...) c s lng khch hng ln, ang phi duy tr mt i ng ng o cc nhn vin thu ngn hng thng i pht ho n v thu tin t khch hng. Cc tin ch ca sn phm: M-Plus Billing c y cc tin ch nh M-Plus mobile, ngoi ra cn h tr thm mt s tin ch sau: Gi theo l cc thng bo thanh ton ha n n cc khch hng l thnh vin M-Plus v khng l thnh vin M-Plus qua SMS hoc th in t. Nhc n t ng. Tin ch qun l cng n v lp bo co thng k tnh hnh thanh ton ha n ca khch hng thng qua h thng M-Plus. Li ch m sn phm mang li: Tng bc tin ti vic loi b hon ton vic in n ha n, t ng ha qu trnh trnh chuyn pht ha n, nhc n v qun l cng n. Nng cao cht lng dch v khch hng: To iu kin thun li khch hng nhn ha n v ch ng thanh ton ha n mt cch thun tin mi lc mi ni. Nng cao hiu qu cng tc qun l, tit kim thi gian, gim thiu sai st.
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Gim ch ph in ha n, nhn cng cho vic chuyn pht ha n, thu ngn, k ton, qun l cng n khch hng. M-Plus iSale i tng s dng: Cc n v, c nhn c nhu cu phn phi cc loi sn phm: Th np tin (in thoi di ng, internet phone, game,...), Phn mm cho in thoi di ng, Phn mm cho my tnh,... Cc tin ch ca sn phm: M-Plus iSale c y cc tin ch nh M-Plus mobile, ngoi ra cn h tr thm mt s tin ch sau: Ti hng ha theo l ln iMart bn. Cnh bo t ng khi d tr hng ha trn iMart xung di mc quy nh ngi bn bit v b sung hng cho iMart. Tin ch qun l tnh hnh bn hng trn iMart v lp bo co nhp - xut - tn. Li ch m sn phm mang li: Nhng doanh nghip ang c mt h thng bn hng hon ho s c thm mt knh phn phi mi vi c im bn hng lin tc 24/7, mi lc mi ni v chi ph bn hng thp. Nhng doanh nghip, c nhn c hng ha, sn phm tr tu cn bn m khng c iu kin t chc mng li bn hng vn c th kinh doanh vi s h tr hiu qu ca iMart: c M-Pay, cc ngn hng i tc ca M-Pay v mt mng li bn hng ph khp ton quc h tr qung b v phn phi sn phm. Kim sot tc thi doanh s bn hng v c thanh ton nhanh chng, thun tin v chnh xc s tin c hng. M-Plus CA i tng s dng: Ngn hng thng mi ang cung cp dch v Internet banking v c nhu cu xc thc ngi dng khi thc hin cc giao dch quan trng (thanh ton, chuyn tin). Li ch m sn phm mang li:
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Ngn hng khng cn n nhng u t tn km v c s vt cht, thit b, phn mm cng nh nhn s k thut nhng vn c ngay mt cng c xc thc ngi dng tin cy v an ton tuyt i. Khch hng c hng ngay v y nhng tin ch do Internet banking ca ngn hng mang li: Khng cn mua sm v mang theo bn mnh thit b Token nhng vn c th thc hin giao dch vi ngn hng mi lc mi ni. M-Plus Top Up L dch v np tin 24x7 cho thu bao in thoi di ng tr trc c thc hin trn in thoi di ng ca ngi dng M-Plus Mobile hoc thng qua mng li i l M-Plus. Np tin bng M-Plus Topup rt thun tin, nhanh chng, mi lc, mi ni v lun c u i c bit v gi. iMart L knh bn hng trc tuyn vi chi ph thp hot ng lin tc 24x7, cho php cc doanh nghip, c nhn qung b cc sn phm dch v ca mnh trn trang iMart ca MPay, bn hng thng qua mng li i l M-Plus tri khp ton quc v c tip cn ngay vi mt c s khch hng rng ln ln n hng triu ngi dng M-Plus Mobile. Kt Lun Cng ty M-Pay to dng cho mnh mt cng ng ring da trn nn tng mt ng dng in thoi di ng. Trong bi cnh ngi d dng di ng ti Vit Nam ngy cng tng nh hin nay th y l mt nh hng pht trin tt. Tuy nhin, cn phi nhn thc r rng rng lnh vc ny cha mang li li nhun cao c bit khi ngi s dng di ng ti Vit Nam vn ch yu l khai thc chc nng m thoi. XV. 1. M SERVICE Tng quan Cng ty M_Service c thnh lp vo thng 10/2007 theo giy php s 4103008256 ca S KH&T Thnh ph H Ch Minh. Hot ng trong lnh vc vin thng, cng ngh thng tin. M_Service lin kt vi cc ngn hng cung cp cc dch v thanh ton thng qua in thoi di ng. Dch v ca M_Service c cung cp thng
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qua h thng 70.000 i l trn ton quc v 20.000 bu cc ca Tng cng ty Bu chnh Vit Nam (VNPOST). Trong thng 10/2010, M_Service phi hp vi Vinaphone trin khai dch v v in t MoMo n ton b 30 triu khch hng ca Vinaphone. 2. i tc ca M_service. Danh sch Ngn hng Cng ty C Phn Dch V Di ng Trc Tuyn hp tc STT 1 2 3 4 5 6 7 8 9 Ngn hng Ngn Hng TMCP Chu Ngn Hng TMCP K Thng Ngn Hng TMCP Si Gn Thng Tn Ngn Hng TMCP ng Ngn Hng TMCP Si Gn Ngn hng TMCP Ngoi Thng Vietnam Ngn hng Cng Thng Vit Nam Ngn hng Nng nghip & PTNT Vit Nam Ngn hng u T v Pht trin Vit Nam
3.
Sn phm, dch v Gm 2 mng dch v chnh l dch v i l v dch v c nhn. Dch v i l Vi phng thc thanh ton trc tuyn trn in thoi di ng, M_Service bin
3.1.
chic in chic TD thnh v in t a chc nng v l cng c thanh ton trc tuyn: Np tin cho in thoi di ng tr trc Thanh ton mua bn hng trc tuyn Chuyn tin vo cc v in t Thc hin thanh ton cc ha n in, nc, truyn hnh cp, internet.
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Mua dch v gii tr trc tuyn , th game, th np tin di ng, th hc anh vn
V in t c nhn MoMo M_Service phi hp vi Vinaphone v Vietcombank ra mt v in t MoMo. y l ln u tin dch v v in t trn in thoi di ng c trin khai ti Vit Nam. Dch v ny cho php khch hng s dng cc tin ch nh np tin di ng tr trc, np ti khon game, thanh ton tin cc, in nc, mua v my bay, hay thanh ton khi mua hng ha, dch v. Mun s dng v in t khch hng ch cn s dng MaxSIM c v MoMo ca Vinaphone v ni vi mt ti khon ngn hng. Ngi s dng khng cn mang theo tin mt, cc hot ng thanh ton c thc hin qua di ng ti bt c ni no c sng ca VinaPhone. SIM MoMo khi c kt hp vi ti khon ngn hng, khch hng c th chuyn tin trc tip t ti khon ngn hng vo v v ngc li... vi giao dch ti a ln ti 20 triu mi ngy. Phn tch v nhn nh Cng ty M-Service hin ti c bit n nhiu vi dch v v in t c nhn MoMo. y l mt dch v nhn bn v tin li cho nhng ngi bn rn, c nhu cu dch chuyn cao . Tuy cha mang tnh ph cp nhng trong tng lai nhng tin ch ca dch v ny s h tr cuc sng rt nhiu. Vic tch hp dch v vo sim ca Vinaphone v t c tha thun vi hai ngn hng l Vietinbank v Vietcombank cng l nhng im cng rt ln Banknetvn cn nhc vic hp tc vi M-Service.
XVI. SMARTLINK 1. Tng quan Cng ty C phn Dch v Th Smartlink c thnh lp bi Ngn hng TMCP Ngoi thng VN v 15 Ngn hng TMCP khc nhm cung cp dch v trung gian h tr thanh ton, cung ng cc gii php thanh ton in t hin i theo hng chuyn nghip ha v a dng ha cc dch v h tr x l giao dch thanh ton khng dng tin mt ti Vit Nam.
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Hin ti Smartlink ang vn hnh h thng x l thng tin kt ni vi 30 ngn hng thnh vin v cc cng ty hng khng, vin thng v cc doanh nghip ln Vit Nam cung ng cc sn phm, dch v thanh ton tin ch trn cc knh giao dch in t ATM, POS, in thoi di ng, Internet. 2. i tc ca Smartlink Hin ti, Smartlink c 31 ngn hng thnh vin, trong 23 ngn hng l thnh vin ca ring Smartlink, 8 ngn hng cn li cng ng thi l thnh vin ca Banknetvn v/hoc VNBC. i tc ca Smartlink bao gm: Vietnam Airline, Viettel, Mobifone, Vinaphone, IBM, VnExpress, Visa, MasterCard, American Express, JCB, Vincom, MEPS, FPT Online, ACI Payment, Diners Club International . Mng li ca Smartlink: 5.624 my ATM, chim 43,9% th trng; 32.837 my POS, chim 51,7% th trng; phc v 10.391.000 ch th ghi n ni a, chim 32% th trng. H thng ca Smartlink kt ni thnh cng vi h thng ca Banknetvn v VNBC vi tng s 18 ngn hng, trong c 6 ngn hng ng thi l thnh vin Banknetvn. 3. 3.1. Sn phm, dch v Dch v x l d liu in t cc giao dch ti chnh Smartlink Switching Chuyn mch th ni a: Smartlink hin ang qun l h thng kt ni gia 31
ngn hng. Smartlink thc hin kt ni lin thng vi Banknetvn v VNBC. Tng s ngn hng kt ni lin thng h thng ATM/POS v pha Smartlink l 16 ngn hng. Chuyn mch th quc t: Nm 2008, Smartink khai trng dch v kt ni vi t chc chuyn mch th Trung Quc China UnionPay (CUP) i vi chiu chp nhn th. Tuy nhin, v bn cht, y l dch v gia Vietcombank v Smartlink. Va qua, Smartlink tr thnh Acquiring Partner ca CUP. Hai bn ang hon tt vic test thng ip. D kin thng 12, Smartlink s khai trng kt ni ATM vi CUP cho t nht 2 NH l VIB v Techcombank (Smartlink cha xc nhn s lng v tn Ngn hng vi CUP). Smartlink s hon tt vic chp nhn th CUP trn POS trong Qu I/2012. 3.2. Dch v np tin ti khon tr trc Smartlink Topup
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Smartlink Topup l dch v kt ni Ngn hng v Nh cung cp dch v, cho php khch hng c Th hoc Ti khon ngn hng s dng cc knh giao dch in t np tin ti khon dch v tr trc. 3.3. tuyn. Chp nhn cc loi th: Th quc t: Visa, MasterCard, American Express, JCB, DinerClub, CUP Th ghi n ni a.
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Cc dch v np tin bao gm: Np tin tr trc ti khon dch v in thoi di ng Np tin ti khon games, ti khon dch v khc Np tin ti khon v in t, th tr trc, th lin kt ngn hng Cc knh giao dch c th p dng: ATM/POS Internet Banking Mobile Banking/SMS Banking Cc knh giao dch khc ca ngn hng Cc nh cung cp dch v trin khai Topup vi Smartlink: Vinaphone Viettel Mobifone EVN Sfone VTC Online - Vcoin FPT Online Bc VNG - ZingXu Dch v Cng thanh ton trc tuyn Smartlink Ecom L dch v cho php s dng th thanh ton trn cc website bn hng trc
Cng thanh ton trc tuyn Smartlink l mt trong nhng cng thanh ton trc tuyn ra
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i sm v hot ng tng i hiu qu ti th trng Vit Nam. c bit, Smartlink trin khai hp tc vi i tc Vietnamairlines bn v my bay trc tuyn. C th khng nh rng, doanh thu t dch v thanh ton trc tuyn vi Vietnamairlines l ngun thu tng i ln cho Smartlink. 3.4. Dch v thanh ton ho n - Smartlink Bill Payment L dch v kt ni Ngn hng v Nh cung cp dch v, cho php khch hng c
Th hoc Ti khon ngn hng s dng cc knh giao dch in t thanh ton tin/cc/ho n hng ho dch v. Cc dch v thanh ton bao gm: Thanh ton ho n in thoi tr sau Thanh ton v my bay, v tu ho, tu thu, t phng tour du lch, khch sn Thanh ton ho n cc dch v thit yu: internet, truyn hnh cp, in, nc Thanh ton ho n dch v bo him, Cc knh giao dch c th p dng: ATM/POS Internet Banking Mobile Banking/SMS Banking Cc knh giao dch khc ca ngn hng Cc dch v thanh ton ha n hin c: Thanh ton cc tr sau cho VNS Mobifone bng th ca cc NH: Vietcombank, Np tin cho thu bao di ng tr trc Vinaphone, Mobifone, Viettel bng th
VIB, Eximbank
Vietcombank, Techcombank, VIB, Eximbank 3.5. Dch v Smartlink Mobile Banking L dch v cung cp gii php ngn hng in t trn knh in thoi di ng, cho
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php khch hng ca cc ngn hng thc hin cc giao dch ngn hng in t (bao gm v khng gii hn cc giao dch ti chnh v phi ti chnh trn ti khon, th ngn hng) thng qua cc hnh thc ng dng phn mm trn in thoi di ng (mobile client) hoc
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trnh duyt trn in thoi di ng (mobile web). y l mt h thng ng dng cho php Ngn hng d dng giao tip vi khch hng nhn v x l cc giao dch ngn hng trn knh in thoi di ng ca khch hng. 3.6. Dch v Smartlink SMS Banking L dch v gi tr gia tng ca Smartlink cung cp cho cc Ngn hng thnh vin
v cc Ngn hng khc c nhu cu, cho php khch hng ca cc ngn hng c th giao dch vi ngn hng mt cch nhanh chng, d dng, mi lc mi ni thng qua cc tin nhn SMS. 3.7. Smartlink cung cp dch v SMS Banking trn cc u s: 8x66, 8x88 v 6x65 Vi dch v Smartlink SMS Banking trn cc u s 8x66, 8x88 v 6x65 , Truy vn thng tin: ti khon, giao dch, t gi, li sut, a im ATM Thng bo bin ng s d, thng bo mt khu OTP, thng bo cc chng trnh ng k/kho/m th v cc dch v mi ca ngn hng Nhc n/tt ton tit kim/ Np tin ti khon dch v tr trc Thanh ton tin/cc/ho n dch v tr sau Chuyn khon Dch v Chuyn tin lin ngn hng
Smartlink h tr cc ngn hng, cho php khch hng thc hin cc giao dch bao gm:
khuyn mi ca ngn hng
Thng 9/2011, Smartlink chnh thc trin khai dch v Chuyn khon lin ngn hng cho 3 ngn hng l Sacombank, ACB v Eximbank. Trong , ACB trin khai qua knh Internet, cn Sacombank v Eximbank h tr trn 2 knh l ATM v Internet. 4. Phn tch v nhn nh Smartlink l cng ty ln mnh trong lnh vc chuyn mch ti chnh v thanh ton in t. Smartlink c nn tng cng ngh tt v danh mc dch v a dng, tin ch vt tri. Cng ty c quan h rng ri vi cc i tc v nh cung cp ln trong lnh vc ti chnh ngn hng, bn l, thanh ton quc t v cng ngh thng tin trong nc v quc t. y
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l 1 li th trong vic trin khai nhiu dch v mi ca smartlink ti Vit Nam. Tuy mi pht trin c 3 nm nhng Smartlink c nhng bc pht trin kh mnh c v cng ngh ln cht lng dch v v th phn. Nh vo kh nng t chc kinh doanh nhy bn v a ra th trng dch v u vit cho n thi im hin ti, Smartlink c nh gi l t chc chuyn mch ti chnh v thanh ton trc tuyn hng u Vit Nam.
XVII. V.N.B.C 1. Tng quan Ngy 25/10/2008, Cng ty c phn Th Thng Minh VINA (V.N.B.C) chnh thc c thnh lp m tin thn l h thng chuyn mch V.N.B.C ng thi cng kt np thm 2 thnh vin mi DaiA Bank, PIBank (Campuchia) v k kt hp tc m rng vi Ngn hng Du kh ton cu (GP.Bank) nng tng s cc thnh vin kt ni vi h thng VNBC ln 10 n v trong c 03 Ngn Hng nc ngai ca Singapore, ca Australia v ca Campuchia. Hin nay h thng kt ni VNBC ca ng Bank l h thng duy nht ti Vit Nam c cc Ngn Hng nc ngai tham gia kt ni. 2. i tc v nh cung cp VNBC hin ang qun l h thng kt ni gia 10 ngn hng v 01 cng ty thnh vin (tp on Mai Linh) vi mng li hn 1.800 my ATM, 2.000 my POS ph rng khp cc tnh thnh trong c nc, phc v hn 5 triu ch th Vit Nam v quc t. Cc thnh vin ca h thng VNBC bao gm DongA Bank, HabuBank, SaigonBank, CommonwealthBank, GP.Bank, DaiA Bank, MaiLinh Group, MHB, ANZ, Citibank v UOB. Trong k hoch pht trin ca mnh, V.N.B.C. u tin tp trung pht trin nhiu hn na cc tin ch, ng dng trn nn ATM, POS v giao dch trc tuyn nhm a dng ha cc loi hnh giao dch, y mnh loi hnh thanh ton khng dng tin mt. V.N.B.C. c lin kt vi cc i tc chin lc nh China Union Pay, IBM, Euronet, GRG Banking, MDS, 3. Sn phm, dch v
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3.1.
Dch v chuyn mch th Chuyn mch th ni a: V.N.B.C. hin ang qun l h thng kt ni gia 10
ngn hng v 01 cng ty thnh vin (tp on Mai Linh) vi mng li hn 1.800 my ATM, 2.000 my POS. V.N.B.C thc hin kt ni thnh cng vi Banknetvn v Smartlink. Chuyn mch th quc t: VNBC kt ni vi t chc chuyn mch th Trung Quc China UnionPay (CUP), qua gip ch th ca CUP c th thc hin giao dch ti mng li my ATM/POS ca VNBC. Tuy nhin, mi ch c 2 thnh vin ca VNBC l Dong A Bank v Saigonbank chp nhn th CUP. 3.2. Cung cp thit b v gii php cng ngh VNBC ang nghin cu v cung cp cc gii php cng ngh cao cho ngnh ti chnh, ngn hng v cc doanh nghip c nhu cu. Cc sn phm, dch v ny bao gm: ATM Gold: ATM bn vng vi tnh nng t ng ha vic mua vng v thanh
ton trc tip t ti khon ca ch th. Ra mt thng 10/2010 v hin nay mi ch cung cp cho duy nht ngn hng ng (d kin 50 chic). H thng bo an ATM ATM SEC: H thng m bo m an ton v gim thiu My ATM MDS Model 3000-1: c quyn phn phi sn phm my ATM ca
mi nguy trm cp hoc ph hoi my ATM. tp on MDS ti th trng ng Dng. Dch v ny V.N.B.C ch yu trin khai phc v cho Ngn hng ng . 3.3. Dch v ATM Kho st cc thit b ban u trc khi thc hin bo tr Bo dng k thut nh k Kim tra v cnh bo cc thit b sp hng Kim tra v x l cc chng trnh l v virus Thay th cc linh kin, thit b, module hng hc hoc cc thit b c cnh T vn v cnh bo cc iu kin mi trng, v tr lp t my
Dch v bo hnh, bo tr ATM vi cc ni dung: -
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bo (min ph trong thi gian bo hnh) -
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Bo co nh k v tnh trng h thng thit b ATM Thng mi in t V.N.B.C. xy dng Cng thanh ton trc tuyn gip kt ni, tch hp vo website
Dch v ny V.N.B.C ch yu trin khai phc v cho Ngn hng ng . 3.4. -
thng mi in t, qua cho php ch th thanh ton tin hng ha/dch v trc tip trn cc website bn hng. Cng thanh ton trc tuyn ca V.N.B.C cng mi i vo hot ng v s lng website tch hp vo cn rt t (v in t Ngn Lng, cng ty Nam Trng Sn, nh sch online Tiki..). Cng thanh ton trc tuyn ca V.N.B.C kt ni vi Cng thanh ton ca Hin ti, V.N.B.C chnh thc ngh hp tc vi Banknetvn kt ni Cng Smartlink, qua hai bn s dng chung Ngn hng v i l ca nhau. -
thanh ton ca hai bn vi nhau. Nhn nh, dch v ny cha thc s em li doanh thu cho V.N.B.C v vic trin khai nhm a dng ha dch v th cho Ngn hng ng . 4. Phn tch v nhn nh Cc dch v ch cht mang li doanh thu chnh cho V.N.B.C, bao gm: Chuyn mch th Dch v bo hnh, bo tr ATM Sn xut v kinh doanh my ATM bn vng
Trong cc dch v ny, dch v bo hnh, bo tr ATM l dch v mang li doanh thu ln nht cho VNBC. Dch v chuyn mch th ch chim khong 40% doanh thu (tuy nhin con s ny cha c kim chng).
XVIII. 1.
BANKNETVN
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Tng quan Banknetvn c thnh lp vi mc tiu chnh l xy dng h thng chuyn
mch ti chnh quc gia nhm kt ni cc h thng thanh ton th ni chung, h thng ATM/POS ni ring ca cc ngn hng Vit Nam. Vic kt ni ny s to iu
156
kin cho cc ngn hng thnh vin c kh nng m rng mng li dch v ca mnh vi u t hp l, trnh c vic u t trng lp ca cc ngn hng cho h thng c s h tng v mng li cc thit b u cui trn phm vi ton quc. 2. Sn phm v dch v Chuyn mch th ni a H thng Chuyn mch Banknetvn l mt h thng trung gian vi mc tiu ln nht ngay t khi thnh lp l kt ni tt c cc h thng thanh ton th ATM/POS ca cc ngn hng thnh vin Banknetvn ni ring v tt c cc ngn hng Vit Nam ni chung thnh mt mng chung chia s trn phm vi quc gia nhm em li s tin li, an ton nht cho ngi tiu dng thanh ton khng bng tin mt. Chuyn mch th ATM/POS khu vc v quc t Khng ch kt ni, lin thng cc h thng thanh ton trong nc Banknetvn cn vn xa kt ni ra cc t chc chuyn mch, thanh ton khu vc v quc t. n nay Banknetvn kt ni ti t chc thanh ton China Union Pay (CUP), cho php nhng ch th ngi Trung Quc khi sang Vit Nam c th giao dch trn cc my ATM ca cc ngn hng thuc h thng Banknetvn.
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PHN 3: CC T CHC PHT HNH TH QUC T
1. Visa Inc.. Visa Inc. l mt cng ty cng ngh thanh ton ton cu, kt ni khch hng, doanh nghip, cc nh ch ti chnh v cc chnh ph ti hn 200 quc gia v vng lnh th, cho php h s dng tin in t thay v dng tin mt. Mc tiu kinh doanh ca Visa gm: Cung cp cc dch v x l giao dch cho cc t chc ti chnh thng qua mng Visanet, mt mng x l thanh ton tp trung, cung cp 3 chc nng c bn trong 1 gi gii php ton din v linh hot: dch v x l giao dch, dch v qun l ri ro v dch v thng tin. Visa tip tc tm kim v pht trin cc hnh thc thanh ton trn khp th gii. Visa cung cp a dng cc sn phm thanh ton: dnh cho cc khch hng l nh ch ti chnh nh: th tn dng, ghi n, th tr trc v cc chng trnh cash-access ti khch hng ca h (c nhn, doanh nghip v chnh ph) Visa s hu v qun l nhn hiu Visa, cung cp dch v n khong 10 triu VCNT v 1,8 triu my ATM ti hn 200 quc gia v vng lnh th. Visas khng pht hnh th trc tip, khng cp hn mc tn dng, thit lp t gi hay ph n khch hng. Mi quan h vi khch hng l t mng li khch hng ca cc nh ch ti chnh thnh vin. Ngun thu ca Visa ch yu n t ph, l ph thanh ton c tr bi cc nh ch ti chnh thnh vin da trn khi lng thanh ton, giao dch m Visa x l, v cc dch v khc lin quan m Visa cung cp. S pht trin sn phm dch v t Visa cho php khch hng ca Visa - cc nh ch ti chnh, cung cp nhiu s la chn hn cho khch hng ca h: pay ahead of time with prepaid, pay now with debit or later with credit products.
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2. MasterCard L mt trong nhng thng hiu thanh ton c cng nhn trn ton th gii, MasterCard to dng hnh nh ca mnh trong mt khch hng bng nhng gi tr, li ch v s tin dng. H thng MasterCard c chp nhn trn ton cu v c s dng hn 15 triu khu vc trn th gii vi hn 3.800 khch hng mi ng k mi ngy. SN PHM L mt trong nhng thng hiu thanh ton c cng nhn trn ton th gii, MasterCard to dng hnh nh ca mnh trong mt khch hng bng nhng gi tr, li ch v s tin dng. H thng MasterCard c chp nhn trn ton cu v c s dng hn 15 triu khu vc trn th gii vi hn 3.800 khch hng mi ng k mi ngy v chng trnh th ghi n Maesstro, ATM Cirrus cng c khch hng n nhn. Thnh vin ca MasterCard bao gm cc ngn hng, cc t chc ti chnh hoc nhng cng ty cung cp dch v ti chnh v mi ngnh u c nhng lut l, s gim st khc nhau. Cc thnh vin ca MasterCard sn sng p ng nhng sn phm v th tn dng mang thng hiu MasterCard.Hin nay, cc Thnh vin ca MasterCard cn a ra loi thquc t Platinum MasterCard - th c uy tn v gi tr cao hn. Ngoi ra, cn c World MasterCard - loi th cao cp nht v c gi tr vnh vin. Ngoi phm vi chi tr cho thng mi, kinh doanh v tp th, MasterCard cn gip cc cng ty theo di, qun l chi tiu trong du lch, gii tr hoc cc bt c s chi tiu no khc. Purchasing card li l mt loi th khc, n gip cho cc cng ty c th theo di v kim sot chi tiu trong dch v v gii tr hoc bt k s chi tiu no khc. Tm li, di bt k hnh thc no th cc sn phm ca MasterCard cng p ng c bn cht mi lc, mi ni ca tn dng. MasterCard Global Service l mt chng trnh phc v khch hng vi k thut cng ngh cao hon ho nht. Ch th c th gi in thoi xin tr gip v cc vn lin
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quan ti th hon ton min ph. Dch v ny cung cp trn 140 ngn ng v c th nhn cuc gi t hn 200 ngn khc hng 130 quc gia khc nhau. CI TIN GN Y MasterCard International tip tc l cng ty hng u th gii trong vic thc thi chin dch ton cu SET (Secure Electronic Transaction - giao dch in t an ton). Chng trnh c khi xng Nam Triu Tin nm 1998 dnh cho 2000 ch th MasterCard. H thng mi cho php ch th khng cn phi cung cp thng tin s th tn dng ca h ln mng Internet. iu ny gip trnh c ri ro thng tin b tit l. SET thit lp nn mt tiu chun mi cho khi nim an ton trong lnh vc ti chnh in t v hy vng s c chp nhn rng ri trong vi thng hoc vi nm ti. MasterCard gn nh nm v tr lnh o trong mt lnh vc k thut cng ngh khi mua c 51% c phiu ca Mondex International - mt cng ty chuyn cung cp cc sn phm lin quan n th thng minh smart card c s dng 23 quc gia trn th gii bao gm c Australia, Canada, Costa Rica, Hong Kong, Israel, Philippines, UK, v USA. Vic MasterCard c c phn trong Mondex to ra mt bc ngot quan trng trong vic thit lp nn mt h thng chi tr ton cu s dng chip in t, sn phm c xu hng s thay th tin mt v sc trong giao dch hng ngy, thm ch trong c nhng vic mua bn n gin nht. GI TR THNG HIU MasterCard ang thc hin chin lc pht trin thng hiu cng c lng tin ca khch hng vo nhng dch v ca cng ty. Vi cng v l mt cng ty chi tr cho cc thnh vin, MasterCard ang hot ng c hiu qu v thc thi mt mng lui chi tr c chp nhn trn ton cu. iu ny bo m rng sn phm ca thng hiu MasterCard - mt sn phm cht lng cao - trong tng lai c th s thay th nhng sn phm chi tr khc (bao gm tin mt v sc). Nhng nh kinh doanh cng c khuyn co s dng dch v MasterCard trong cc giao dch thng mi. Khng c mt tr ngi no i vi khch hng s dng dch v ca MasterCard. MasterCard cung cp cho cc thnh vin ca mnh nhng sn phm v dch v c quyn. Nh th, c nh cung cp v ngi s dng dch v u c trch nhim i vi
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vic pht trin thng hiu ca gia nh MasterCard t nht trong vic thc hin nhng quy nh ra. Dch v chi tr c cung cp bi thng hiu MasterCard u hot ng rt hiu qu, cht lng, an ton. ngy cng pht trin v thu ht nhiu khch hng hn trong nn kinh t ton cu, MasterCard cn cung cp cho khch hng nhiu dch v chi tr tt hn thng qua th tn dng, th ghi n, th tr trciu s gip cho MasterCard nhn c s ng thun ca khch hng trn ton cu v iu s mang li li ch cho vic kinh doanh th ca cc thnh vin trong gia nh MasterCard. 3. American Express (Amex) c xem l dn u vi cc loi th tn dng v Travellers Cheque (sc du lch), American Express thc s ginh c v tr thng hiu ton cu, v vn lun khng nh v th ca mnh bng nhng kinh nghim trong lnh vc du lch v dch v ti chnh. Sn phm v dch v ca hng c mt trn hn 200 quc gia v cng ty cng c hn 78.000 chi nhnh trn ton th gii. American Express ni ting trn ton th gii nh vo uy tn v nhng kt qu thnh cng ca s tn tm, tn ty a Hng pht trin hn na. Mc d c rt nhiu sn phm tng t nhng American Express lun chng minh c nhng im khc bit ca mnh trong th trng y cnh tranh bng vic kt ni nhng sn phm hng u vi dch v khch hng ngy cng tt hn. 4. China UnionPay (CUP) c thnh lp thng 3 nm 2002, CUP vi vai tr trung tm then cht trong lnh vc th ngn hng Trung Quc, t nn mng cho s pht trin sn phm v dch v th ngn hng. Hin nay, CUP c hn 200 thnh vin trong nc v quc t. Mng li chp nhn giao dch th CUP pht trin rng ri trn ton lnh th Trung Quc v m rng ti 27 quc gia trn ton th gii. Thng hiu th CUP ang ngy cng c bit n rng ri trn ton th gii v l s la chn hng u ca cc ch th Trung Quc s dng ti th trng quc t. 5. Japan Credit Bureau (JCB) T khi thnh lp nm 1961 cho n nay JCB vn lun dn u trong ngnh th Nht Bn trong vic cung cp dch v th vt tri v p ng cc nhu cu a dng ca khch
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hng. Nm 1981, JCB bt u pht trin trn th trng quc t v hin nay tr thnh cng ty hng u trong lnh vc cung cp cc gii php th tn dng cho cc khch hng trn khp th gii, vi hn 55 triu ch th. Mng li chp nhn thanh ton ca JCB bao gm 13 triu im ti 190 quc gia v vng lnh th, trong c Vit Nam. Phn ln cc ch th JCB n t Nht Bn, i Loan, Hn Quc, v Trung Quc, l nhng i tc rt quan trng i vi Vit Nam.
- The end -
H Ni 17 Feb 2012
Bi Gia Tun
161

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Connecting knowledge - Creating power!

Th trng th ngn hng v thanh ton in t Vit Nam

Mr. Bi Gia Tun

Copyright Protection 2012

Th trng th ngn hng v thanh ton in t Vit Nam

Copyright Protection 2012 | Bui Gia Tuan

Th trng th ngn hng v thanh ton in t Vit Nam

V NHM TC GI V THNG TIN LIN H

Thng tin c nhn:

Th trng th ngn hng v thanh ton in t Vit Nam

Copyright Protection 2012 | Bui Gia Tuan

Th trng th ngn hng v thanh ton in t Vit Nam

Th trng th ngn hng v thanh ton in t Vit Nam

XXVI. XXVII. XXVIII. XXIX. XXX.

Copyright Protection 2012 | Bui Gia Tuan

Th trng th ngn hng v thanh ton in t Vit Nam

2005 715 300,6 140 45 33,1 5,6 10,6 1250

2006 3565 1500,4 719,2 210,8 131,4 10,8 62,3 6200

2007 5168,8 2211,3 1082,9 336,7 182,9 16 101,4 9100

2008 8711 3859,5 1867,8 635,5 302,3 28,8 95,2 15500

2009 12375 5517,6 2662 990 407 39,8 8,6 22000

Copyright Protection 2012 | Bui Gia Tuan

Th trng th ngn hng v thanh ton in t Vit Nam

Thng k gi tr giao dch qua cc t chc t 2005-2009 ( n v: VN t)

2005 1062,8 458,5 179,2 1778,2 862 56,7

2006 6821,2 2946 1189,7 1906,6 908,2 117,9

2007 10888,5 5520,4 1941,7 2093,1 986,5 176,9

2008 19366,6 9977,8 3533,8 2370,7 1134,7 328,1

2009 30609 15036 5370 2647,1 1268,4 476

Th trng th ngn hng v thanh ton in t Vit Nam

Banking Banking Banking Banking Banking 1. 2. 3. 4. 5. 6. Agribank BIDV Vietinbank ACB

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Th trng th ngn hng v thanh ton in t Vit Nam

Copyright Protection 2012 | Bui Gia Tuan

Th trng th ngn hng v thanh ton in t Vit Nam

DCH V TH TI CC NGN HNG

Th trng th ngn hng v thanh ton in t Vit Nam

Th trng th ngn hng v thanh ton in t Vit Nam

Th trng th ngn hng v thanh ton in t Vit Nam

Copyright Protection 2012 | Bui Gia Tuan

Th trng th ngn hng v thanh ton in t Vit Nam

Th trng th ngn hng v thanh ton in t Vit Nam

Copyright Protection 2012 | Bui Gia Tuan

Th trng th ngn hng v thanh ton in t Vit Nam

Th trng th ngn hng v thanh ton in t Vit Nam

Copyright Protection 2012 | Bui Gia Tuan

Th trng th ngn hng v thanh ton in t Vit Nam

Copyright Protection 2012 | Bui Gia Tuan

Th trng th ngn hng v thanh ton in t Vit Nam

Mobile Banking (BSMS)

th ghi n do BIDV pht hnh. -

Th trng th ngn hng v thanh ton in t Vit Nam

Th trng th ngn hng v thanh ton in t Vit Nam

trng, cung ng sc, bo chi sc. 2.

Th trng th ngn hng v thanh ton in t Vit Nam

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Th trng th ngn hng v thanh ton in t Vit Nam

2.1.2 Th tn dng quc t

nc c biu tng Visa.

sao k hng thng t ng t ti khon th ghi n E-Partner VietinBank

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Th trng th ngn hng v thanh ton in t Vit Nam

lch ton cu, h tr du lch, th thao gii tr.

Copyright Protection 2012 | Bui Gia Tuan

BankCard & EPay Vietnam 2012

BankCard & EPay Vietnam 2012