{"id":6893,"date":"2022-01-08T14:26:54","date_gmt":"2022-01-08T07:26:54","guid":{"rendered":"https:\/\/news.bitcoinvn.io\/?p=6893"},"modified":"2022-01-08T14:28:01","modified_gmt":"2022-01-08T07:28:01","slug":"fintech-cuoc-cach-mang-quan-ly-tai-chinh","status":"publish","type":"post","link":"https:\/\/bitcoinvn.io\/news\/vi\/fintech-cuoc-cach-mang-quan-ly-tai-chinh\/","title":{"rendered":"Fintech: Cu\u1ed9c C\u00e1ch m\u1ea1ng Qu\u1ea3n l\u00fd T\u00e0i ch\u00ednh"},"content":{"rendered":"

Fintech <\/b><\/strong>(C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh) \u0111ang t\u00e1c \u0111\u1ed9ng m\u1ea1nh m\u1ebd \u0111\u1ebfn vi\u1ec7c x\u00e2y d\u1ef1ng quan h\u1ec7 gi\u1eefa c\u00e1c c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh v\u1edbi kh\u00e1ch h\u00e0ng. N\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, ng\u01b0\u1eddi c\u1ed1 v\u1ea5n ph\u1ea3i t\u1ed1n r\u1ea5t nhi\u1ec1u th\u1eddi gian v\u00e0o vi\u1ec7c qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 – th\u00ec nay, Fintech \u0111\u00e3 t\u1ef1 \u0111\u1ed9ng h\u00f3a kh\u00e2u qu\u1ea3n l\u00fd b\u1eb1ng c\u00e1c c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn. Nh\u1edd \u0111\u00f3, c\u00e1c c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh s\u1ebd c\u00f3 nhi\u1ec1u th\u1eddi gian h\u01a1n \u0111\u1ec3 t\u1eadp trung c\u1ee7ng c\u1ed1 m\u1ed1i quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng. <\/b><\/strong><\/p>\n

1.\u00a0<\/b>Fintech \u0111\u00e3 gi\u00fap ng\u00e0nh qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh \u201cl\u1ed9t x\u00e1c\u201d nh\u01b0 th\u1ebf n\u00e0o?<\/b><\/strong><\/h2>\n

T\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng phi m\u00e3\u00a0c\u1ee7a Fintech\u00a0l\u00e0 \u201cb\u1eb1ng ch\u1ee9ng th\u00e9p\u201d ch\u1ee9ng minh r\u1eb1ng: n\u1ebfu mu\u1ed1n t\u1ed3n t\u1ea1i trong th\u1ecb tr\u01b0\u1eddng c\u1ea1nh tranh kh\u1ed1c li\u1ec7t nh\u01b0 ng\u00e0y nay th\u00ec c\u00e1c c\u00f4ng ty bu\u1ed9c ph\u1ea3i \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7. Trong n\u0103m <\/u>2015, \u0111\u1ea7u t\u01b0 fintech to\u00e0n c\u1ea7u \u0111\u00e3 t\u0103ng 75%, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng<\/u>\u00a0t\u0103ng t\u1eeb<\/u>\u00a09,6 t\u1ef7 USD l\u00ean 22,3 t\u1ef7 USD<\/u><\/a>.\u00a0\u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c \u201ccon s\u1ed1 kh\u1ee7ng\u201d n\u00e0y, Fintech\u00a0\u0111\u00e3\u00a0t\u0103ng quy m\u00f4, gi\u1ea3m chi ph\u00ed,\u00a0c\u1ea3i thi\u1ec7n n\u0103ng su\u1ea5t c\u1ee7a c\u1ed1 v\u1ea5n. \u0110\u1ed3ng th\u1eddi, fintech c\u0169ng\u00a0cung c\u1ea5p cho kh\u00e1ch h\u00e0ng c\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 b\u1ed5 sung\u00a0v\u1edbi\u00a0chi ph\u00ed th\u1ea5p h\u01a1n v\u00e0 minh b\u1ea1ch h\u01a1n.<\/p>\n

M\u1eb7c d\u00f9 vi\u1ec7c t\u1ef1 \u0111\u1ed9ng h\u00f3a khi\u1ebfn fintech bu\u1ed9c ph\u1ea3i th\u00eam m\u1ed9t l\u1edbp ph\u1ee9c t\u1ea1p h\u01a1n v\u00e0o c\u1ea5u tr\u00fac h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd. Nh\u01b0ng l\u1edbp n\u00e0y \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp h\u1ee3p l\u00fd v\u00e0 th\u00e2n thi\u1ec7n v\u1edbi ng\u01b0\u1eddi d\u00f9ng \u0111\u1ebfn m\u1ee9c: c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0 t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ed1 tr\u00ed v\u00e0 qu\u1ea3n l\u00fd m\u1ed9t c\u00e1ch khoa h\u1ecdc h\u01a1n, \u00edt c\u1ed3ng k\u1ec1nh h\u01a1n r\u1ea5t nhi\u1ec1u. L\u00fac n\u00e0y \u0111\u00e2y, ch\u00ednh c\u00e1c c\u1ed1 v\u1ea5n l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i nhi\u1ec1u nh\u1ea5t. H\u1ecd v\u1eeba c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng, g\u1ecdn nh\u1eb9, v\u1eeba c\u00f3 nhi\u1ec1u th\u1eddi gian h\u01a1n \u0111\u1ec3 h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng v\u00e0 t\u1ef1 x\u00e2y d\u1ef1ng c\u00f4ng vi\u1ec7c kinh doanh c\u1ee7a ri\u00eang m\u00ecnh.<\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, nh\u1edd fintech, kh\u00e1ch h\u00e0ng ng\u00e0y c\u00e0ng an t\u00e2m v\u00e0 tin t\u01b0\u1edfng h\u01a1n. B\u1edfi h\u1ecd kh\u00f4ng ch\u1ec9 \u00a0\u0111\u01b0\u1ee3c c\u00e1c c\u1ed1 v\u1ea5n gi\u00e0u kinh nghi\u1ec7m h\u1ed7 tr\u1ee3 t\u1eadn t\u00ecnh h\u01a1n m\u00e0 h\u1ecd lu\u00f4n bi\u1ebft r\u1eb1ng: ti\u1ec1n c\u1ee7a m\u00ecnh \u0111ang \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd m\u1ed9t c\u00e1ch chuy\u00ean nghi\u1ec7p, minh b\u1ea1ch, r\u00f5 r\u00e0ng su\u1ed1t 24\/7.<\/p>\n

Nh\u1edd nh\u1eefng th\u00e0nh t\u1ef1u trong c\u00f4ng ngh\u1ec7 t\u1ef1 \u0111\u1ed9ng h\u00f3a qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n \u0111\u1ea7u t\u01b0, nhi\u1ec1u c\u00f4ng ty fintech \u0111ang d\u1ea7n \u201cc\u1eaft b\u1ecf ng\u01b0\u1eddi trung gian\u201d, gi\u1ea3m s\u1ed1 l\u01b0\u1ee3ng c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh. H\u1ecd n\u1ed7 l\u1ef1c t\u1eebng ng\u00e0y \u0111\u1ec3 ng\u01b0\u1eddi d\u00f9ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch tr\u1ef1c ti\u1ebfp: t\u1eeb d\u1ecbch v\u1ee5 ti\u1ec1n m\u1eb7t (c\u1ee5 th\u1ec3 l\u00e0 r\u00fat ti\u1ec1n ATM), ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn (nh\u01b0 c\u00e1c \u1ee9ng d\u1ee5ng mobile banking), cho t\u1edbi d\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n, cho vay, b\u1ea3o hi\u1ec3m v\u00e0 th\u1eadm ch\u00ed l\u00e0 c\u1ea3 d\u1ecbch v\u1ee5 thanh to\u00e1n (v\u00ed d\u1ee5 nh\u01b0 QR code, v\u00ed \u0111i\u1ec7n t\u1eed\u2026). H\u1ecd kh\u00f4ng ng\u1eebng ph\u00e1t tri\u1ec3n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng m\u1ecdi nhu c\u1ea7u c\u1ea5p thi\u1ebft c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n

V\u00e0 tr\u01b0\u1edbc t\u00ecnh tr\u1ea1ng c\u00e1c c\u00f4ng ty m\u1edbi n\u1ed5i nh\u01b0 Aspiration<\/u><\/a>, Betterment<\/u><\/a>, LearnVest<\/u><\/a>, Robinhood<\/u><\/a>, Prosper<\/u><\/a> hay Acorns<\/u><\/a> \u0111ang ch\u1ea1y \u0111ua v\u1ec1 c\u00f4ng ngh\u1ec7 l\u00e0m gi\u00e1n \u0111o\u1ea1n th\u1ecb tr\u01b0\u1eddng, s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a fintech c\u00f2n gi\u00fap c\u00e1c c\u00f4ng ty t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng tr\u1edf n\u00ean n\u0103ng \u0111\u1ed9ng h\u01a1n, trung th\u1ef1c v\u00e0 minh b\u1ea1ch h\u01a1n. \u0110i\u1ec1u n\u00e0y th\u1ec3 hi\u1ec7n r\u00f5 \u1edf vi\u1ec7c: khi h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty fintech, c\u00e1c \u201c\u0111\u1ebf ch\u1ebf\u201d t\u00e0i ch\u00ednh l\u00e2u \u0111\u1eddi nh\u01b0 BlackRock, Goldman Sachs, JPMorgan Chase, LPL Financial v\u00e0 Edward Jones kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c ch\u00fa \u00fd h\u01a1n m\u00e0 h\u1ecd c\u00f2n x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 kh\u1ea3 n\u0103ng c\u1ea1nh tranh m\u1ea1nh m\u1ebd kh\u00f4ng thua k\u00e9m c\u00e1c c\u00f4ng ty start-up.<\/p>\n

<\/h6>\n
\"fintech
Fintech h\u1ed7 tr\u1ee3 c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng m\u1edf r\u1ed9ng th\u00eam c\u00e1c \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng s\u1ed1 (intetnet banking)<\/em><\/figcaption><\/figure>\n

Ban \u0111\u1ea7u, nhi\u1ec1u ng\u01b0\u1eddi cho r\u1eb1ng.<\/span>vi\u1ec7c c\u00e1c \u201c\u0111\u1ebf ch\u1ebf\u201d t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng \u201cb\u1eaft tay\u201d v\u1edbi fintech.<\/span>ch\u1ec9 l\u00e0 m\u1ed9t \u201ccu\u1ed9c h\u1ee3p t\u00e1c \u0111\u00f4i b\u00ean c\u00f9ng c\u00f3 l\u1ee3i\u201d. Tuy nhi\u00ean, t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng kinh ng\u1ea1c c\u1ee7a c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh n\u00e0y.<\/span>khi \u0111\u1ea7u t\u01b0 v\u00e0o fintech \u0111\u00e3 d\u1ef1 b\u00e1o m\u1ed9t k\u1ef7 nguy\u00ean c\u1ee7a s\u1ef1 \u0111\u1ed5i m\u1edbi \u0111ang m\u1edf ra.<\/span>v\u00e0 s\u1ef1 tr\u1edf l\u1ea1i th\u00e0nh c\u00f4ng c\u1ee7a vai tr\u00f2 qu\u1ea3n l\u00fd th\u1ef1c s\u1ef1. V\u00e0 trong m\u00f4i tr\u01b0\u1eddng c\u1ea1nh tranh kh\u1ed1c li\u1ec7t nh\u01b0 hi\u1ec7n nay,.<\/span>c\u00e1c c\u00f4ng ty c\u0169ng nghi\u00eam t\u00fac ch\u00fa \u00fd \u0111\u1ebfn v\u1ea5n \u0111\u1ec1: ph\u1ea3i h\u00e0nh \u0111\u1ed9ng v\u1edbi fintech.<\/p>\n

2.\u00a0<\/b>Fintech – \u201ctr\u1ee3 th\u1ee7 \u0111\u1eafc l\u1ef1c\u201d c\u1ee7a c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh<\/b><\/strong><\/h2>\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh, s\u1ee9c m\u1ea1nh c\u1ee7a c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi n\u1ed5i r\u1ea5t h\u1ea5p d\u1eabn. Trong \u0111\u00f3, c\u00e1c l\u1ee3i \u00edch ti\u1ec1m n\u0103ng \u0111\u01b0\u1ee3c ch\u00fa \u00fd nhi\u1ec1u nh\u1ea5t l\u00e0: t\u1ef1 \u0111\u1ed9ng h\u00f3a trong vi\u1ec7c qu\u1ea3n l\u00fd v\u00e0 truy xu\u1ea5t d\u1eef li\u1ec7u, c\u00e1c ch\u1ee9c n\u0103ng kh\u00e1c li\u00ean quan \u0111\u1ebfn d\u1ecbch v\u1ee5 nh\u1eadp li\u1ec7u, t\u1ed5ng h\u1ee3p n\u1ec1n t\u1ea3ng v\u00e0 t\u00e1i c\u00e2n b\u1eb1ng danh m\u1ee5c \u0111\u1ea7u t\u01b0. B\u00ean c\u1ea1nh \u0111\u00f3, c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh c\u00f2n cho ph\u00e9p mi\u1ec5n ph\u00ed m\u1ed9t s\u1ed1 kho\u1ea3n h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng. \u0110\u1ed3ng th\u1eddi ch\u00fang c\u00f2n t\u1ef1 \u0111\u1ed9ng l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n v\u1edbi th\u00f4ng tin r\u00f5 r\u00e0ng, m\u1ea1ch l\u1ea1c\u2026<\/p>\n

N\u00f3i m\u1ed9t c\u00e1ch d\u1ec5 hi\u1ec3u, fintech \u0111\u00e3 thay c\u00e1c c\u1ed1 v\u1ea5n \u0111\u1ea3m \u0111\u01b0\u01a1ng m\u1ed9t s\u1ed1 c\u00f4ng vi\u1ec7c quan tr\u1ecdng. T\u1eeb \u0111\u00e2y, c\u00e1c c\u1ed1 v\u1ea5n c\u00f3 nhi\u1ec1u th\u1eddi gian t\u1eadp trung gi\u00fap \u0111\u1ee1 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh nhi\u1ec1u h\u01a1n. \u00a0Nh\u1edd v\u1eady, m\u1ed1i quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng c\u0169ng d\u1ea7n tr\u1edf n\u00ean b\u1ec1n ch\u1eb7t h\u01a1n.<\/p>\n

Khi cu\u1ed9c c\u00e1ch m\u1ea1ng fintech di\u1ec5n ra,.<\/span>c\u00e1c c\u00f4ng ty m\u00f4i gi\u1edbi chi\u1ebft kh\u1ea5u v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 th\u1ee5 \u0111\u1ed9ng.<\/span>nh\u01b0 E * Trade hay Vanguard \u0111\u00e3 nhanh ch\u00f3ng \u201cnh\u1eadp cu\u1ed9c\u201d.<\/span>v\u00e0 c\u00f3 s\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd. Gi\u1edd \u0111\u00e2y, t\u00e0i s\u1ea3n to\u00e0n c\u1ea7u do c\u00e1c c\u1ed1 v\u1ea5n robot qu\u1ea3n l\u00fd \u0111\u00e3 t\u0103ng t\u1eeb 200 t\u1ef7 <\/u>USD<\/u>\u00a0v\u00e0o cu\u1ed1i n\u0103m 2016<\/u>\u00a0l\u00ean <\/u>8,1 ngh\u00ecn t\u1ef7 <\/u>USD<\/u>\u00a0v\u00e0o n\u0103m 2020<\/u><\/a>. C\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng n\u00e0y \u0111\u00e3\u00a0nhanh ch\u00f3ng tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n trong to\u00e0n ng\u00e0nh.<\/p>\n

3.\u00a0<\/b>Khi Fintech t\u00edch h\u1ee3p tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o AI, chuy\u1ec7n g\u00ec \u0111\u00e3 x\u1ea3y ra?<\/b><\/strong><\/h2>\n

C\u00f3 l\u1ebd s\u1ee9c h\u1ea5p d\u1eabn nh\u1ea5t c\u1ee7a fintech.<\/span>\u0111\u1ebfn t\u1eeb s\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) trong qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh.<\/p>\n

\""<yoastmark\"<\/p>\n

Th\u00f4ng qua c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch d\u1ef1 \u0111o\u00e1n t\u00edch h\u1ee3p tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o nh\u01b0 \u201cEinstein<\/u><\/a>\u201d c\u1ee7a Salesforce v\u00e0 Watson c\u1ee7a IBM<\/u><\/a>, AI \u0111ang \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ph\u1ea7n m\u1ec1m d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n v\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng CRM. M\u00e1y h\u1ecdc v\u00e0 c\u00e1c lo\u1ea1i c\u00f4ng ngh\u1ec7 AI kh\u00e1c c\u00f3 th\u1ec3 ph\u00e2n t\u00edch h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng. C\u0103n c\u1ee9 v\u00e0o d\u1eef li\u1ec7u ghi l\u1ea1i th\u00f3i quen \u0111\u1ea7u t\u01b0, ti\u1ebft ki\u1ec7m v\u00e0 chi ti\u00eau tr\u01b0\u1edbc \u0111\u00f3 c\u1ee7a t\u1eebng ng\u01b0\u1eddi,.<\/span>AI c\u00f3 th\u1ec3 \u0111\u01b0a ra l\u1eddi khuy\u00ean x\u00e1c \u0111\u00e1ng v\u00e0 ph\u00f9 h\u1ee3p nh\u1ea5t.<\/span>v\u1edbi t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf c\u1ee7a m\u1ed7i kh\u00e1ch h\u00e0ng.<\/p>\n

M\u1eb7c d\u00f9 m\u1ed9t s\u1ed1 c\u1ed1 v\u1ea5n lo ng\u1ea1i r\u1eb1ng: trong t\u01b0\u01a1ng lai, c\u00f3 th\u1ec3 h\u1ecd s\u1ebd b\u1ecb AI thay th\u1ebf. Tuy nhi\u00ean s\u1ed1 \u0111\u00f4ng l\u1ea1i ch\u1ee7 \u0111\u1ed9ng coi AI l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u1eafc l\u1ef1c.<\/span>\u0111\u1ec3 gi\u00fap m\u00ecnh t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd v\u00e0 th\u00fac \u0111\u1ea9y doanh thu t\u0103ng tr\u01b0\u1edfng.<\/p>\n

S\u1ef1 ph\u00e2n h\u00f3a gi\u1eefa c\u00e1ch t\u01b0 v\u1ea5n c\u0169 v\u00e0 m\u1edbi<\/b><\/strong><\/h3>\n

T\u1eeb khi fintech xu\u1ea5t hi\u1ec7n, s<\/u>\u1ef1 ph\u00e2n h\u00f3a <\/u>gi\u1eefa c\u00e1ch t\u01b0 <\/u>v\u1ea5n c\u0169 v\u00e0 m\u1edbi<\/u>\u00a0<\/u>ng\u00e0y<\/u>\u00a0c\u00e0ng r\u00f5 r\u1ec7t v\u00e0 r\u1ea5t \u0111\u00e1ng b\u00e1o \u0111\u1ed9ng.<\/u><\/a> G\u1ea7n 100% c\u1ed1 v\u1ea5n tr\u1ebb s\u1eed d\u1ee5ng m\u1ea1ng x\u00e3 h\u1ed9i.<\/span> trong khi ch\u1ec9 c\u00f3 50% quan t\u00e2m \u0111\u1ebfn k\u00eanh truy\u1ec1n th\u00f4ng n\u00e0y. 1\/3 c\u1ed1 v\u1ea5n thi\u1ebfu k\u00eanh th\u00f4ng tin kh\u00e1ch h\u00e0ng.<\/span> v\u00e0 20% kh\u00f4ng s\u1eed d\u1ee5ng b\u1ea5t k\u1ef3 ph\u1ea7n m\u1ec1m l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh n\u00e0o. Trong s\u1ed1 c\u00e1c c\u1ed1 v\u1ea5n t\u1eeb 65 \u0111\u1ebfn 74 tu\u1ed5i,.<\/span> 37% kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 ph\u1ea7n m\u1ec1m l\u1eadp k\u1ebf ho\u1ea1ch n\u00e0o. Ng\u01b0\u1ee3c l\u1ea1i, 40% c\u1ed1 v\u1ea5n t\u1eeb 25 \u0111\u1ebfn 34 tu\u1ed5i l\u1ea1i nh\u1eadn ra t\u1ef7 l\u1ec7 l\u1ee3i nhu\u1eadn r\u00f2ng (ROI).<\/span> thu \u0111\u01b0\u1ee3c t\u1eeb c\u00e1c \u1ee9ng d\u1ee5ng l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh.<\/span>cao h\u01a1n so v\u1edbi b\u1ea5t k\u1ef3 c\u00f4ng ngh\u1ec7 n\u00e0o kh\u00e1c.<\/p>\n

Nh\u1eefng t\u00e1c \u0111\u1ed9ng c\u1ee7a fintech l\u00e0 r\u1ea5t to l\u1edbn. B\u1eb1ng ch\u1ee9ng l\u00e0 nh\u00f3m c\u00e1c c\u1ed1 v\u1ea5n tr\u1ebb h\u01a1n, hi\u1ec3u bi\u1ebft v\u1ec1 c\u00f4ng ngh\u1ec7 h\u01a1n\u00a0(hay c\u00f2n g\u1ecdi l\u00e0 \u201ceAdvisors\u201d) \u0111\u00e3\u00a0c\u00f3 t\u00e0i s\u1ea3n \u0111ang qu\u1ea3n l\u00fd AUM cao h\u01a1n g\u1ea7n 40%, ph\u1ee5c v\u1ee5 nhi\u1ec1u kh\u00e1ch h\u00e0ng h\u01a1n 55% v\u00e0\u00a0h\u1ecd\u00a0h\u00e0i l\u00f2ng v\u1ec1 chuy\u00ean m\u00f4n h\u01a1n so v\u1edbi\u00a0c\u00e1c \u0111\u1ed1i t\u00e1c c\u1ee7a h\u1ecd<\/u><\/a>.\u201d<\/p>\n

Kh\u00e1ch h\u00e0ng tr\u00f4ng \u0111\u1ee3i \u0111i\u1ec1u g\u00ec?<\/b><\/strong><\/h3>\n

Trong khi c\u00e1c c\u1ed1 v\u1ea5n c\u00f2n \u0111\u1ec1 ph\u00f2ng v\u1edbi s\u1ef1 th\u00fac \u0111\u1ea9y c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i.<\/span>th\u00ec kh\u00e1ch h\u00e0ng l\u1ea1i mong \u0111\u1ee3i nhi\u1ec1u h\u01a1n th\u1ebf. Theo c\u00f4ng c\u1ee5 \u201cC\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh<\/u>\u00a0\u1ea3o<\/u>: Cung c\u1ea5p l\u1eddi khuy\u00ean c\u00e1 nh\u00e2n h\u00f3a trong k\u1ef7 nguy\u00ean k\u1ef9 thu\u1eadt s\u1ed1\u201d<\/u><\/a>\u00a0do McKinsey & Company xu\u1ea5t b\u1ea3n: \u00a0trong 2 n\u0103m g\u1ea7n \u0111\u00e2y, c\u00f3 \u201c40% \u0111\u1ebfn 45% kh\u00e1ch h\u00e0ng gi\u00e0u c\u00f3 \u0111\u00e3 chuy\u1ec3n t\u1eeb\u00a0c\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng sang\u00a0c\u00f4ng ty qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh\u00a0k\u1ef9 thu\u1eadt s\u1ed1.” H\u01a1n th\u1ebf n\u1eefa, 72% nh\u00e0 \u0111\u1ea7u t\u01b0 d\u01b0\u1edbi 40 tu\u1ed5i cho bi\u1ebft:\u00a0h\u1ecd c\u1ea3m th\u1ea5y tho\u1ea3i m\u00e1i\u00a0h\u01a1n\u00a0khi l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh \u1ea3o.<\/p>\n

\u0110\u1ec3 gia t\u0103ng tr\u1ea3i nghi\u1ec7m t\u00edch c\u1ef1c c\u1ee7a c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0,.<\/span>c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn d\u1ea7n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf tinh g\u1ecdn h\u01a1n.<\/span>nh\u01b0ng c\u00f3 th\u1ec3 x\u1eed l\u00fd nhi\u1ec1u y\u00eau c\u1ea7u h\u01a1n. Th\u00eam v\u00e0o \u0111\u00f3, vi\u1ec7c c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng giao ti\u1ebfp v\u1edbi kh\u00e1ch h\u00e0ng hi\u1ec7u qu\u1ea3 h\u01a1n.<\/span>v\u00e0 nhanh ch\u00f3ng h\u01a1n \u0111ang \u0111\u01b0\u1ee3c ch\u00fa tr\u1ecdng. Do \u0111\u00f3, m\u1ed9t lo\u1ea1t c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a c\u00f4ng ty t\u00e0i ch\u00ednh \u0111ang c\u1ea7n \u0111\u01b0\u1ee3c b\u1ed5 sung.<\/p>\n

Trong b\u1ed1i c\u1ea3nh n\u00e0y, nhi\u1ec1u ng\u01b0\u1eddi trong ng\u00e0nh t\u00e0i ch\u00ednh nh\u1eadn th\u1ee9c r\u00f5 m\u1ed1i \u0111e d\u1ecda ti\u1ec1m \u1ea9n.<\/span>b\u1edfi nh\u1eefng c\u00f4ng ty c\u00f4ng ngh\u1ec7 h\u00e0ng \u0111\u1ea7u nh\u01b0 Facebook, Amazon v\u00e0 Google. Ch\u00ednh v\u00ec v\u1eady, h\u1ecd \u0111\u00e3 nhanh ch\u00f3ng \u01b0u ti\u00ean c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1,.<\/span>t\u00ednh minh b\u1ea1ch v\u00e0 c\u1ea5u tr\u00fac chi ph\u00ed hi\u1ec7n c\u00f3 c\u1ee7a m\u00ecnh.<\/p>\n

4. <\/b>L\u1eddi k\u1ebft:<\/b><\/strong><\/h2>\n

Fintech m\u1edf ra m\u1ed9t b\u01b0\u1edbc ngo\u1eb7t quan tr\u1ecdng.<\/span>trong vi\u1ec7c chuy\u1ec3n \u0111\u1ed5i l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh v\u00e0 c\u00e1ch qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n. T\u1ea5t c\u1ea3 nh\u1eefng g\u00ec fintech l\u00e0m l\u00e0 h\u01b0\u1edbng t\u1edbi hi\u1ec7u qu\u1ea3.<\/span>v\u00e0 mang l\u1ea1i l\u1ee3i \u00edch t\u1ed1i \u0111a cho kh\u00e1ch h\u00e0ng v\u00e0 c\u1ed1 v\u1ea5n. Gi\u00e1 tr\u1ecb gia t\u0103ng c\u1ee7a n\u00f3 kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf vi\u1ec7c h\u1ed7 tr\u1ee3 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n m\u1ed9t c\u00e1ch t\u1ef1 \u0111\u1ed9ng h\u00f3a.<\/span> m\u00e0 ch\u00ednh nh\u1eefng c\u00f4ng c\u1ee5 tuy\u1ec7t v\u1eddi c\u1ee7a fintech.<\/span>c\u00f3 th\u1ec3 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.<\/span>v\u00e0 l\u00e0m cho m\u1ed1i quan h\u1ec7 gi\u1eefa kh\u00e1ch h\u00e0ng – c\u1ed1 v\u1ea5n tr\u1edf n\u00ean s\u00e2u s\u1eafc, kh\u0103ng kh\u00edt, b\u1ec1n ch\u1eb7t h\u01a1n.<\/p>\n

Ngu\u1ed3n: B\u00e0i vi\u1ebft <\/u><\/a>c\u1ee7a Marguerita Cheng, CFP, RICP<\/u><\/a><\/em><\/p>\n

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

Fintech (C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh) \u0111ang t\u00e1c \u0111\u1ed9ng m\u1ea1nh m\u1ebd \u0111\u1ebfn vi\u1ec7c x\u00e2y d\u1ef1ng quan h\u1ec7 gi\u1eefa c\u00e1c c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh v\u1edbi kh\u00e1ch h\u00e0ng. N\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y, ng\u01b0\u1eddi c\u1ed1 v\u1ea5n ph\u1ea3i t\u1ed1n r\u1ea5t nhi\u1ec1u th\u1eddi gian v\u00e0o vi\u1ec7c qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 – th\u00ec nay, Fintech \u0111\u00e3 t\u1ef1 \u0111\u1ed9ng h\u00f3a kh\u00e2u qu\u1ea3n l\u00fd […]<\/p>\n","protected":false},"author":13,"featured_media":7111,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2291],"tags":[],"class_list":["post-6893","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"\nFintech: Cu\u1ed9c C\u00e1ch m\u1ea1ng Qu\u1ea3n l\u00fd T\u00e0i ch\u00ednh - BitcoinVN News<\/title>\n<meta name=\"description\" content=\"Fintech \u0111\u00e3 t\u1ef1 \u0111\u1ed9ng h\u00f3a kh\u00e2u qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, v\u1eeba h\u1ed7 tr\u1ee3 \u0111\u1eafc l\u1ef1c cho c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh nh\u01b0ng c\u0169ng l\u00e0 th\u00e1ch th\u1ee9c to l\u1edbn...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bitcoinvn.io\/news\/vi\/fintech-cuoc-cach-mang-quan-ly-tai-chinh\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintech: Cu\u1ed9c C\u00e1ch m\u1ea1ng Qu\u1ea3n l\u00fd T\u00e0i ch\u00ednh - BitcoinVN News\" \/>\n<meta property=\"og:description\" content=\"Fintech \u0111\u00e3 t\u1ef1 \u0111\u1ed9ng h\u00f3a kh\u00e2u qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, v\u1eeba h\u1ed7 tr\u1ee3 \u0111\u1eafc l\u1ef1c cho c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh nh\u01b0ng c\u0169ng l\u00e0 th\u00e1ch th\u1ee9c to l\u1edbn...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bitcoinvn.io\/news\/vi\/fintech-cuoc-cach-mang-quan-ly-tai-chinh\/\" \/>\n<meta property=\"og:site_name\" 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