{"id":5703,"date":"2020-12-09T07:00:59","date_gmt":"2020-12-09T00:00:59","guid":{"rendered":"https:\/\/news.bitcoinvn.io\/?p=5703"},"modified":"2020-12-08T09:53:07","modified_gmt":"2020-12-08T02:53:07","slug":"blockchain-giup-fintech-phat-trien-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/bitcoinvn.io\/insights\/vi\/blockchain-giup-fintech-phat-trien-nhu-the-nao\/","title":{"rendered":"Blockchain \u0111\u00e3 gi\u00fap Fintech ph\u00e1t tri\u1ec3n nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"

Ch\u00fang ta \u0111ang b\u01b0\u1edbc v\u00e0o ch\u00e2n tr\u1eddi th\u1ebf gi\u1edbi c\u1ee7a th\u1ebf k\u1ef7 21, th\u1ebf k\u1ef7 m\u00e0 ch\u1eafc ch\u1eafn s\u1ef1 ti\u1ebfn b\u1ed9 c\u00f4ng ngh\u1ec7 v\u01b0\u1ee3t b\u1eadc s\u1ebd chi\u1ebfm l\u0129nh th\u1ebf gi\u1edbi. Blockchain l\u00e0 y\u1ebfu t\u1ed1 ti\u00ean phong trong s\u1ef1 \u0111\u1ed5i m\u1edbi m\u00f4 h\u00ecnh c\u00f4ng ngh\u1ec7 \u0111\u00e3 g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y m\u1ed9t s\u1ed1 ng\u00e0nh c\u00f4ng nghi\u1ec7p tr\u1edf n\u00ean t\u1ed1t h\u01a1n, ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd h\u01a1n.<\/span><\/p>\n

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S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa Fintech v\u00e0 Blockchain \u0111\u00e3 l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c nh\u1eafc \u0111\u1ebfn nhi\u1ec1u nh\u1ea5t \u0111\u00e3 \u0111\u1ea9y ranh gi\u1edbi c\u1ee7a s\u1ef1 xu\u1ea5t s\u1eafc cho ng\u00e0nh c\u00f4ng nghi\u1ec7p Fintech.<\/span><\/p>\n

Vi\u1ec7c \u00e1p d\u1ee5ng Blockchain trong h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 kinh doanh hi\u1ec7n t\u1ea1i \u0111\u00e3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng b\u1edfi m\u1ed9t s\u1ed1 ng\u00e0nh kh\u00e1c nhau, t\u1eeb Fintech \u0111\u1ebfn chu\u1ed7i cung \u1ee9ng \u0111\u1ebfn Gi\u00e1o d\u1ee5c v\u00e0 h\u01a1n th\u1ebf n\u1eefa. S\u1ef1 ph\u00e1t tri\u1ec3n h\u1ee9a h\u1eb9n nh\u1ea5t gi\u1eefa fintech v\u00e0 blockchain l\u00e0 kh\u1ea3 n\u0103ng b\u1ea3o m\u1eadt \u1ee9ng bi\u1ebfn th\u00f4ng qua t\u1ed1c \u0111\u1ed9 giao d\u1ecbch nhanh h\u01a1n v\u00e0 c\u1eaft gi\u1ea3m chi ph\u00ed.<\/span><\/p>\n

BLOCKCHAIN \u200b\u200b\u0110\u00c3 CHUY\u1ec2N \u0110\u1ed4I FINTECH NH\u01af TH\u1ebe N\u00c0O?<\/b><\/h2>\n

Theo m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t v\u1ec1 l\u0129nh v\u1ef1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 Fintech<\/a> do PWC th\u1ef1c hi\u1ec7n, kho\u1ea3ng 77% ng\u00e0nh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00f3 k\u1ebf ho\u1ea1ch \u00e1p d\u1ee5ng blockchain v\u00e0o n\u0103m 2020. Qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i \u0111\u00e3 di\u1ec5n ra quy m\u00f4 r\u1ea5t l\u1edbn khi t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng chi\u1ebfm 1\/3 to\u00e0n b\u1ed9 c\u00e1c ho\u1ea1t \u0111\u1ed9ng v\u1ec1 Blockchain tr\u00ean th\u1ebf gi\u1edbi v\u00e0 ng\u01b0\u1eddi ta \u0111\u00e3 quan s\u00e1t th\u1ea5y r\u1eb1ng Blockchain s\u1ebd \u0111\u01b0\u1ee3c k\u1ebft h\u1ee3p b\u1edfi c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh v\u00e0 ng\u00e2n h\u00e0ng \u0111\u1ec3 c\u00f3 c\u00e1c t\u00ednh n\u0103ng \u1ee9ng bi\u1ebfn v\u00e0 nhi\u1ec1u h\u01a1n th\u1ebf n\u1eefa.<\/span><\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi C\u1ed1 v\u1ea5n chi\u1ebfn l\u01b0\u1ee3c Jeff Koyen c\u1ee7a 360 Blockchain (m\u1ed9t c\u00f4ng ty t\u1eadp trung \u0111\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 s\u1eed d\u1ee5ng blockchain) \u0111\u00e3 d\u1ef1 \u0111o\u00e1n s\u1ef1 t\u0103ng tr\u01b0\u1edfng c\u1ee7a th\u1ecb tr\u01b0\u1eddng blockchain l\u00ean t\u1edbi 7 t\u1ef7 \u0111\u00f4 la v\u00e0o n\u0103m 2022, \u0111i\u1ec1u n\u00e0y \u0111\u00e3 th\u00fac \u0111\u1ea9y qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i Fintech th\u00f4ng qua s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a blockchain.<\/span><\/p>\n

Blockchain c\u00f3 g\u00ec \u0111\u1ec3 cung c\u1ea5p cho Fintech?<\/b><\/h2>\n

Nh\u1eefng th\u00e1ch th\u1ee9c m\u00e0 ng\u00e0nh Fintech ph\u1ea3i \u0111\u1ed1i m\u1eb7t \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft th\u00f4ng qua s\u1ee9c m\u1ea1nh truy\u1ec1n t\u1ea3i c\u1ee7a blockchain. S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa fintech v\u00e0 blockchain m\u1ea1nh m\u1ebd \u0111\u00e3 gi\u00fap lo\u1ea1i b\u1ecf c\u00e1c b\u00ean trung gian, gi\u1ea3m chi ph\u00ed, t\u00ednh to\u00e0n v\u1eb9n c\u1ee7a d\u1eef li\u1ec7u, t\u1ea1o t\u00e0i s\u1ea3n v\u00e0 ph\u00e2n ph\u1ed1i l\u00e0 m\u1ed9t s\u1ed1 l\u1ee3i \u00edch ch\u00ednh m\u00e0 blockchain c\u00f3 \u0111\u01b0\u1ee3c c\u00f9ng v\u1edbi quy\u1ec1n ri\u00eang t\u01b0 v\u00e0 x\u00e1c th\u1ef1c d\u1eef li\u1ec7u.<\/span><\/p>\n

Tech Giant, Accenture \u01b0\u1edbc t\u00ednh r\u1eb1ng vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 blockchain trong l\u0129nh v\u1ef1c thanh to\u00e1n v\u00e0 b\u00f9 tr\u1eeb c\u1ee7a ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m cho ng\u00e2n h\u00e0ng m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 l\u1edbn l\u00ean \u0111\u1ebfn g\u1ea7n 10 t\u1ef7 \u0111\u00f4 la. M\u1ed9t \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn c\u1ee7a blockchain \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng b\u1edfi S\u1edf giao d\u1ecbch ch\u1ee9ng kho\u00e1n \u00dac \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u1ed9t d\u1ef1 \u00e1n \u0111\u1ec3 chuy\u1ec3n giao d\u1ecbch thanh to\u00e1n v\u00e0 b\u00f9 tr\u1eeb sau giao d\u1ecbch th\u00f4ng qua m\u1ed9t h\u1ec7 th\u1ed1ng blockchain.<\/span><\/p>\n

Ch\u00fang ta \u0111ang h\u01b0\u1edbng t\u1edbi m\u1ed9t th\u1ebf gi\u1edbi s\u1ed1 h\u00f3a h\u01a1n, n\u01a1i thanh to\u00e1n k\u1ef9 thu\u1eadt s\u1ed1, v\u00ed \u0111i\u1ec7n t\u1eed gi\u1eef m\u1ed9t kh\u00f4ng gian v\u00e0 t\u1ed1c \u0111\u1ed9 quan tr\u1ecdng. \u0110\u00e3 c\u00f3 nh\u1eefng c\u00f4ng ty kh\u1edfi nghi\u1ec7p ho\u1ea1t \u0111\u1ed9ng tr\u00ean n\u1ec1n t\u1ea3ng fintech v\u00e0 blockchain<\/a> m\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb kh\u00e1c bi\u1ec7t c\u1ee7a c\u1ea3 hai c\u00f4ng ngh\u1ec7 trong th\u1ef1c t\u1ebf. Do \u0111\u00f3, c\u1ea7n c\u00f3 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, c\u00f4ng ty kh\u1edfi nghi\u1ec7p v\u00e0 t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd b\u1eb1ng c\u00e1ch t\u00edch h\u1ee3p blockchain trong h\u1ec7 sinh th\u00e1i kinh doanh hi\u1ec7n c\u00f3 c\u1ee7a h\u1ecd \u0111\u1ec3 t\u1eadn d\u1ee5ng l\u1ee3i \u00edch c\u1ee7a lo\u1ea1i h\u00ecnh c\u00f4ng ngh\u1ec7 \u0111ang kh\u00f4ng ng\u1eebng ph\u00e1t tri\u1ec3n n\u00e0y.<\/span><\/p>\n

H\u00c3Y TH\u1ea2O LU\u1eacN M\u1ed8T S\u1ed0 TR\u01af\u1edcNG H\u1ee2P C\u00c1C NG\u00c0NH C\u00d4NG NGH\u1ec6 T\u00c0I CH\u00cdNH (FINTECH) \u0110EM \u1ee8NG D\u1ee4NG BLOCKCHAIN V\u00c0O \u0110\u1ec2 T\u1ea0O RA CU\u1ed8C C\u00c1CH M\u1ea0NG T\u1ed0T H\u01a0N CHO M\u00ccNH.<\/b><\/p>\n

Thanh to\u00e1n P2P:<\/b><\/h2>\n

M\u1ed9t ph\u1ea7n ch\u00ednh c\u1ee7a ng\u00e0nh c\u00f4ng nghi\u1ec7p fintech li\u00ean quan \u0111\u1ebfn c\u00e1c giao d\u1ecbch v\u00e0 kh\u1ed1i l\u01b0\u1ee3ng giao d\u1ecbch kh\u1ed5ng l\u1ed3 c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb 1,7 \u0111\u1ebfn 16,18% t\u1ed5ng s\u1ed1 ti\u1ec1n giao d\u1ecbch, t\u1ea1o rai cho ng\u00e0nh chuy\u1ec3n ti\u1ec1n kho\u1ea3ng 40 t\u1ef7 \u0111\u00f4 la chi ph\u00ed m\u1ed7i n\u0103m, m\u1ed9t con s\u1ed1 r\u1ea5t l\u1edbn \u0111\u1ec3 duy tr\u00ec s\u1ef1 \u00eam \u00e1i trong giao d\u1ecbch th\u00f4ng\u00a0 qua h\u1ec7 th\u1ed1ng c\u01a1 s\u1edf d\u1eef li\u1ec7u t\u1eadp trung. Vi\u1ec7c t\u00edch h\u1ee3p blockchain trong c\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n truy\u1ec1n th\u1ed1ng \u0111\u00e3 h\u1ee3p l\u00fd h\u00f3a vi\u1ec7c chuy\u1ec3n ti\u1ec1n v\u00e0 ti\u1ebft ki\u1ec7m chi ph\u00ed trong c\u00e1c giao d\u1ecbch xuy\u00ean bi\u00ean gi\u1edbi. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 gi\u1ea3i quy\u1ebft s\u1ef1 ch\u1eadm tr\u1ec5 giao d\u1ecbch, giao d\u1ecbch thanh to\u00e1n kh\u00f4ng th\u00e0nh c\u00f4ng, chi ph\u00ed trung gian v\u00e0 nhi\u1ec1u h\u01a1n th\u1ebf n\u1eefa.<\/span><\/p>\n

Giao d\u1ecbch Th\u01b0\u01a1ng m\u1ea1i:<\/b><\/h2>\n

Giao d\u1ecbch t\u00e0i ch\u00ednh v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn l\u00e0 m\u1ed9t trong nh\u1eefng ng\u00e0nh li\u00ean quan \u0111\u1ebfn nhi\u1ec1u th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd v\u00e0 c\u00e1c b\u1ed9 m\u00e1y h\u00e0nh ch\u00ednh c\u1ed3ng k\u1ec1nh, t\u1eeb c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi \u0111\u1ebfn s\u00e0n giao d\u1ecbch ch\u1ee9ng kho\u00e1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft lu\u1ed3ng ti\u1ec1n . S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a blockchain ch\u1eafc ch\u1eafn nh\u01b0 m\u1ed9t gi\u1ea3i ph\u00e1p gi\u00fap c\u00e1c nh\u00e0 giao d\u1ecbch kh\u00f4ng ph\u1ea3i ki\u1ec3m tra c\u00e1c \u0111\u1ed1i t\u00e1c m\u1ed9t c\u00e1ch n\u1eb7ng n\u1ec1 v\u00e0 t\u1ed1i \u01b0u h\u00f3a to\u00e0n b\u1ed9 v\u00f2ng kh\u00e9p k\u00edn c\u1ee7a m\u1ed9t giao d\u1ecbch. S\u1eed d\u1ee5ng blockchain, c\u00e1c c\u00f4ng ty c\u00f3 th\u1ec3 n\u00e2ng cao \u0111\u1ed9 ch\u00ednh x\u00e1c c\u1ee7a giao d\u1ecbch, t\u0103ng t\u1ed1c qu\u00e1 tr\u00ecnh thanh to\u00e1n v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro.<\/span><\/p>\n

V\u00ed d\u1ee5: m\u1ed9t s\u1ed1 n\u1ec1n t\u1ea3ng giao d\u1ecbch d\u1ef1a tr\u00ean blockchain ph\u1ed5 bi\u1ebfn l\u00e0 Overstock.com, Nasdaq, Bitfinex, BitShares v\u00e0 Kraken.<\/span><\/p>\n

Ki\u1ec3m tra v\u00e0 Tu\u00e2n th\u1ee7 Quy \u0111\u1ecbnh:<\/b><\/h2>\n

Nhu c\u1ea7u to\u00e0n c\u1ea7u v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 theo quy \u0111\u1ecbnh d\u1ef1 ki\u1ebfn \u200b\u200bs\u1ebd tr\u1ecb gi\u00e1 118,7 t\u1ef7 \u0111\u00f4 la v\u00e0o n\u0103m 2020. Do \u0111\u00f3, c\u00e1c c\u00f4ng ty FinTech \u0111ang t\u0103ng c\u01b0\u1eddng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh th\u00f4ng qua c\u00e1c c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i nh\u01b0 blockchain. M\u1ed9t blockchain, v\u1edbi b\u1ea3n ch\u1ea5t b\u1ea5t bi\u1ebfn c\u1ee7a n\u00f3, c\u00f3 th\u1ec3 lo\u1ea1i b\u1ecf r\u1ee7i ro, s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn v\u00e0 ph\u1ee9c t\u1ea1p li\u00ean quan \u0111\u1ebfn c\u00e1c quy \u0111\u1ecbnh. Khi d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c l\u01b0u v\u00e0o chu\u1ed7i, kh\u00f4ng ai c\u00f3 th\u1ec3 s\u1eeda \u0111\u1ed5i ho\u1eb7c x\u00f3a n\u00f3. \u0110\u00e2y l\u00e0 l\u00fd do t\u1ea1i sao c\u00e1c c\u00f4ng ty s\u1eed d\u1ee5ng blockchain nh\u01b0 b\u1eb1ng ch\u1ee9ng kh\u00f4ng th\u1ec3 ch\u1ed1i c\u00e3i v\u1ec1 vi\u1ec7c chuy\u1ec3n giao b\u1ea5t k\u1ef3 t\u00e0i s\u1ea3n \u0111i\u1ec7n t\u1eed n\u00e0o.<\/span><\/p>\n

V\u00ed d\u1ee5: EY \u0111\u00e3 ra m\u1eaft Tr\u00ecnh ph\u00e2n t\u00edch Blockchain EY c\u1ee7a m\u00ecnh. S\u1ea3n ph\u1ea9m n\u00e0y bao g\u1ed3m m\u1ed9t t\u1eadp h\u1ee3p c\u00e1c c\u00f4ng ngh\u1ec7 ki\u1ec3m to\u00e1n blockchain \u0111\u1ec3 \u0111\u01b0a vi\u1ec7c xem x\u00e9t c\u00e1c giao d\u1ecbch ti\u1ec1n \u0111i\u1ec7n t\u1eed l\u00ean m\u1ed9t c\u1ea5p \u0111\u1ed9 m\u1edbi.<\/span><\/p>\n

Nh\u1eadn d\u1ea1ng k\u0129 thu\u1eadt s\u1ed1:<\/b><\/h2>\n

\u0110\u00e3 c\u00f3 nhi\u1ec1u c\u00e1c tr\u01b0\u1eddng h\u1ee3p l\u1eeba \u0111\u1ea3o li\u00ean quan \u0111\u1ebfn an ninh m\u1ea1ng v\u00e0 l\u1eeba \u0111\u1ea3o \u0111\u00e3 \u0111\u01b0\u1ee3c ghi l\u1ea1i theo th\u1eddi gian, c\u00f9ng v\u1edbi s\u1ef1 gia t\u0103ng c\u00e1c giao d\u1ecbch \u0111\u1ed9c h\u1ea1i \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 tr\u00ean c\u00e1c m\u1eb7t b\u00e1o. V\u1ea5n \u0111\u1ec1 l\u1ea1m d\u1ee5ng v\u00e0 m\u1ea1o danh danh t\u00ednh c\u1ee7a ng\u01b0\u1eddi kh\u00e1c \u0111\u00e3 l\u00e0 m\u1ed9t v\u1ea5n \u0111\u1ec1 g\u00e2y ra r\u1ea5t nhi\u1ec1u \u1ed3n \u00e0o cho vi\u1ec7c x\u00e1c th\u1ef1c v\u00e0 h\u1ee3p l\u00fd h\u00f3a quy tr\u00ecnh giao d\u1ecbch.<\/span><\/p>\n

Blockchain s\u1ebd gi\u00fap b\u1ea3o v\u1ec7 danh t\u00ednh \u0111i\u1ec7n t\u1eed nh\u01b0 th\u1ebf n\u00e0o?<\/b><\/h2>\n

Blockchain cung c\u1ea5p m\u1ed9t h\u1ec7 th\u1ed1ng nh\u1eadn d\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1. S\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng n\u00e0y, kh\u00e1ch h\u00e0ng ch\u1ec9 c\u1ea7n th\u1ef1c hi\u1ec7n x\u00e1c th\u1ef1c m\u1ed9t l\u1ea7n v\u00e0 sau \u0111\u00f3 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng t\u00e0i li\u1ec7u nh\u1eadn d\u1ea1ng \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh n\u00e0y \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch tr\u00ean to\u00e0n th\u1ebf gi\u1edbi.\u00a0<\/span><\/p>\n

M\u1ed9t chu\u1ed7i kh\u1ed1i cho ph\u00e9p kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n c\u00e1c \u0111i\u1ec1u sau:<\/span><\/p>\n