Ng\u00e0y nay c\u00f4ng ngh\u1ec7 c\u00f3 t\u00e1c \u0111\u1ed9ng ch\u00ednh l\u00ean c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng. Nhi\u1ec1u d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng c\u00f3 th\u1eddi c\u1ea7n c\u00f3 nh\u00e2n vi\u00ean giao d\u1ecbch \u0111\u1ec3 giao ti\u1ec1n r\u00fat ra hay nh\u1eadn ti\u1ec1n \u0111\u1eb7t v\u00e0o b\u00e2y gi\u1edd d\u00f9ng m\u00e1y ATM cho ph\u00e9p m\u1ecdi ng\u01b0\u1eddi truy nh\u1eadp v\u00e0o t\u00e0i kho\u1ea3nh c\u1ee7a h\u1ecd 24 gi\u1edd m\u1ed9t ng\u00e0y. V\u1edbi \u0111\u1eb7t ti\u1ec1n tr\u1ef1c ti\u1ebfp v\u00e0 thanh to\u00e1n \u0111i\u1ec7n t\u1eed, ng\u00e2n h\u00e0ng cho ph\u00e9p m\u1ecdi ng\u01b0\u1eddi v\u00e0 c\u00f4ng ti chuy\u1ec3n ti\u1ec1n tr\u1ef1c ti\u1ebfp v\u00e0o c\u00e1c t\u00e0i kho\u1ea3n \u0111a d\u1ea1ng v\u1edbi t\u1ed1c \u0111\u1ed9 Internet. Nhi\u1ec1u ng\u00e2n h\u00e0ng c\u00f3 d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn cho n\u00ean truy nh\u1eadp v\u00e0o t\u00e0i kho\u1ea3n, hay b\u1ea5t k\u00ec giao t\u00e1c n\u00e0o c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u1edf m\u1ecdi n\u01a1i v\u00e0 m\u1ecdi l\u00fac. Nh\u1eefng qui tr\u00ecnh t\u1ef1 \u0111\u1ed9ng ho\u00e1 n\u00e0y \u0111\u00e3 l\u00e0m gi\u1ea3m nhu c\u1ea7u v\u1ec1 ng\u01b0\u1eddi, \u0111i\u1ec1u c\u00f3 ngh\u0129a l\u00e0 chi ph\u00ed \u00edt h\u01a1n v\u00e0 l\u1ee3i nhu\u1eadn nhi\u1ec1u h\u01a1n cho ng\u00e2n h\u00e0ng.<\/p>\n
Ti\u1ebfn b\u1ed9 trong c\u00f4ng ngh\u1ec7 \u0111ang \u0111\u01b0\u1ee3c d\u00f9ng theo c\u00e1ch c\u00e1c ng\u00e2n h\u00e0ng x\u1eed l\u00ed th\u00f4ng tin. Vi\u1ec7c d\u00f9ng ch\u1ee5p \u1ea3nh s\u00e9c, \u0111i\u1ec1u cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng l\u01b0u s\u00e9c tr\u00ean m\u00e1y t\u00ednh thay v\u00ec s\u00e9c gi\u1ea5y, c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m l\u1ed7i x\u1eed l\u00ed, t\u0103ng \u0111\u1ed9 ch\u00ednh x\u00e1c v\u00e0 t\u00ednh hi\u1ec7u qu\u1ea3. V\u1edbi c\u00f4ng ngh\u1ec7 ph\u00e2n t\u00edch Big data ng\u00e2n h\u00e0ng c\u00f3 m\u1ecdi th\u00f4ng tin h\u1ecd c\u1ea7n \u0111\u1ec3 l\u00e0m quy\u1ebft \u0111\u1ecbnh \u0111\u00fang v\u1ec1 cho vay n\u1ee3 nhanh ch\u00f3ng cho n\u00ean kho\u1ea3n vay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn trong v\u00e0i ph\u00fat, thay v\u00ec v\u00e0i ng\u00e0y hay v\u00e0i tu\u1ea7n, v\u00e0 l\u00e0m cho vi\u1ec7c cho vay \u0111\u01b0\u1ee3c hi\u1ec7u qu\u1ea3 h\u01a1n. Cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh \u0111\u00e3 x\u1ea3y ra v\u00e0i n\u0103m tr\u01b0\u1edbc c\u0169ng \u0111\u00e3 l\u00e0m t\u0103ng t\u1ed1c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 trong c\u00f4ng nghi\u1ec7p ng\u00e2n hang v\u00ec nhi\u1ec1u ng\u00e2n hang \u0111ang d\u00f9ng ph\u1ea7n m\u1ec1m \u0111\u1eb7c bi\u1ec7t \u0111\u1ec3 ph\u00e1t hi\u1ec7n gian l\u1eadn, m\u00f3n vay x\u1ea5u, v\u00e0 t\u00edn d\u1ee5ng x\u1ea5u v\u00e0 l\u00e0m \u0111a d\u1ea1ng kinh doanh c\u1ee7a h\u1ecd \u0111\u1ec3 tr\u00e1nh t\u1ed5n th\u1ea5t v\u00e0 tr\u1edf n\u00ean hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n
\u0110i\u1ec1u \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n l\u00e0 trong v\u00e0i n\u0103m n\u1eefa ph\u1ea7n l\u1edbn c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd l\u00e0 \u201c\u1ea3o\u201d v\u00ec t\u1ef1 \u0111\u1ed9ng ho\u00e1 s\u1ebd ti\u1ebfp qu\u1ea3n h\u1ea7u h\u1ebft c\u00e1c ho\u1ea1t \u0111\u1ed9ng v\u1edbi \u00edt ng\u01b0\u1eddi l\u00e0m h\u01a1n c\u00f3 tham gia v\u00e0o. \u0110i\u1ec1u \u0111\u00f3 c\u0169ng c\u00f3 ngh\u0129a l\u00e0 c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng s\u1ebd c\u1ea7n \u00edt c\u00f4ng nh\u00e2n kinh doanh nh\u01b0ng nhi\u1ec1u c\u00f4ng nh\u00e2n c\u00f4ng ngh\u1ec7 b\u1edfi v\u00ec m\u1ecdi th\u1ee9 s\u1ebd \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng ho\u00e1 v\u00e0 ng\u01b0\u1eddi l\u00e3nh \u0111\u1ea1o ng\u00e2n h\u00e0ng ph\u1ea3i t\u00ecm \u0111\u1ee7 c\u00f4ng nh\u00e2n k\u0129 thu\u1eadt \u0111\u1ec3 l\u00e0m vi\u1ec7c cho h\u1ecd, n\u1ebfu kh\u00f4ng h\u1ecd s\u1ebd kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng c\u1ea1nh tranh. Khi nhi\u1ec1u ng\u01b0\u1eddi h\u01a1n s\u1ebd truy nh\u1eadp v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a h\u1ecd b\u1eb1ng vi\u1ec7c d\u00f9ng thi\u1ebft b\u1ecb di \u0111\u1ed9ng, ng\u01b0\u1eddi ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng s\u1ebd \u0111\u01b0\u1ee3c c\u1ea7n t\u1edbi. Khi nhi\u1ec1u ng\u00e2n h\u00e0ng s\u1ebd chuy\u1ec3n h\u1ec7 th\u00f4ng tin c\u1ee7a h\u1ecd cho m\u00e2y, nhi\u1ec1u chuy\u00ean vi\u00ean t\u00ednh to\u00e1n m\u00e2y s\u1ebd \u0111\u01b0\u1ee3c c\u1ea7n t\u1edbi. Khi nhi\u1ec1u ng\u00e2n h\u00e0ng s\u1ebd v\u1eadn h\u00e0nh tr\u1ef1c tuy\u1ebfn, nhi\u1ec1u chuy\u00ean vi\u00ean an ninh m\u1ea1ng s\u1ebd \u0111\u01b0\u1ee3c c\u1ea7n t\u1edbi, v\u00e0 khi nhi\u1ec1u ng\u00e2n h\u00e0ng s\u1ebd c\u1ea7n ph\u1ea7n m\u1ec1m \u0111\u1ec3 x\u1eed l\u00ed c\u00e1c giao t\u00e1c, ph\u00e1t hi\u1ec7n gian l\u1eadn v\u00e0 t\u00edn d\u1ee5ng x\u1ea5u, nhi\u1ec1u chuy\u00ean vi\u00ean v\u1ec1 trinh s\u00e1t doanh nghi\u1ec7p s\u1ebd \u0111\u01b0\u1ee3c c\u1ea7n t\u1edbi. \u0110\u1ec3 c\u1ea3i ti\u1ebfn d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng, ph\u1ea7n l\u1edbn ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 trung t\u00e2m tr\u1ea3 l\u1eddi \u0111i\u00ean tho\u1ea1i \u0111\u1ec3 tr\u1ea3 l\u1eddi c\u00e1c cu\u1ed9c g\u1ecdi \u0111i\u1ec7n t\u1eeb kh\u00e1ch h\u00e0ng, nhi\u1ec1u \u0111\u1ea1i di\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c c\u1ea7n t\u1edbi.<\/p>\n
Ng\u00e0y nay c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng \u0111ang thay \u0111\u1ed5i v\u00e0o t\u1ef1 \u0111\u1ed9ng ho\u00e1 nhi\u1ec1u h\u01a1n v\u00e0 to\u00e0n c\u1ea7u ho\u00e1 \u0111\u00e3 cho ph\u00e9p ng\u00e2n h\u00e0ng to\u00e0n c\u1ea7u \u0111i v\u00e0o trong c\u00e1c th\u1ecb tr\u01b0\u1eddng \u0111\u1ecba ph\u01b0\u01a1ng v\u00e0 c\u1ea1nh tranh v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ecba ph\u01b0\u01a1ng. C\u00e1c y\u1ebfu t\u1ed1 n\u00e0y s\u1ebd l\u00e0m thay \u0111\u1ed5i ng\u00e0nh c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng r\u1ea5t l\u1edbn trong v\u00e0i n\u0103m t\u1edbi. C\u00e1c ng\u00e2n h\u00e0ng c\u1ea1nh tranh m\u1ea1nh m\u1ebd \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng v\u00e0 \u0111i\u1ec1u n\u00e0y s\u1ebd d\u1eabn t\u1edbi nhi\u1ec1u thay \u0111\u1ed5i n\u1eefa. Khi c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng thay \u0111\u1ed5i, vi\u1ec7c l\u00e0m c\u0169ng thay \u0111\u1ed5i, s\u1ef1 lan r\u1ed9ng c\u1ee7a c\u00f4ng ngh\u1ec7 trong c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng s\u1ebd t\u1ea1o ra nhu c\u1ea7u cao v\u1ec1 nhi\u1ec1u chuy\u00ean vi\u00ean c\u00f4ng ngh\u1ec7 th\u00f4ng tin, ng\u01b0\u1eddi l\u00e0m vi\u1ec7c \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 ch\u1ea1y tr\u01a1n chu. C\u01a1 h\u1ed9i vi\u1ec7c l\u00e0m trong c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng thi\u00ean v\u1ec1 ng\u01b0\u1eddi qu\u1ea3n tr\u1ecb doanh nghi\u1ec7p nh\u01b0ng nhu c\u1ea7u v\u1ec1 c\u00f4ng nh\u00e2n CNTT c\u00f3 k\u0129 n\u0103ng s\u1ebd t\u1ea1o ra c\u01a1 h\u1ed9i vi\u1ec7c l\u00e0m t\u1ed1t v\u1edbi c\u1ea3 n\u1ec1n t\u1ea3ng doanh nghi\u1ec7p v\u00e0 k\u0129 thu\u1eadt.<\/p>\n
<\/p>\n
—English version—<\/p>\n
<\/p>\n
Technology in Banking industry<\/p>\n
Today technology is having a major impact on the banking industry. Many bank services that once required a teller person to handle money withdrawal or deposit are now using ATMs that allow people to access their accounts 24 hours a day. With direct deposit and electronically payments, the banks allow people and companies to directly transfer money into various accounts at the speed of the Internet. Many banks have banking services online so access to accounts, or any transactions can be made anywhere at any time. These automation processes have reduced the need for people which means fewer costs and more profits to the banks.<\/p>\n
Advancements in technology are being used in the ways banks process information. The use of check imaging, which allows banks to store photographed checks on the computer instead of paper checks, can reduce processing errors, increase accuracy and efficiency. With Big data analytics technology the banks have all information they need to make the right decisions on loans quickly so loans can be approved in minutes, rather than days or weeks, and making lending more efficient. The financial crisis that happened few years ago also accelerated the application of technology in the banking industry as many banks are using special software to detect frauds, bad loans, and bad credits and diversify their business to avoid loss and become more efficient.<\/p>\n
It is predicted that in few years most banks will be \u201cvirtual\u201d as automation will take over most of the activities with fewer people involved. That also means banking industry will need less business workers but more technology workers because everything will be automated and bank leaders must find enough technical workers to work for them, else they will not be able to compete. As more people will access their bank accounts using mobile devices, mobile application developers will be needed. As more banks will move their information system to the cloud, more cloud computing specialists will be needed. As more banks will be operate online, more network security specialist will be needed, and as more banks will need special software to process transactions, detect frauds and bad credits, more business intelligence specialist and Big data analysts will be needed. To improve customer service, most banks will have phone centers to answering phone calls from customers, more customer service representatives will be needed.<\/p>\n
Today the banking industry is changing into more automation and globalization has allowed global banks to move into local markets and compete with local banks. These factors will change the banking industry dramatically in the next few years. Banks compete strongly to attract customers and this will lead to a lot of changes too. As the banking industry is changing, so are the jobs, the prevalence of technology in the banking industry will create high demand for many information technology specialists who are employed to ensure technology systems run smoothly. Job opportunities in banking industry favor business administrators but the need for IT skilled workers will create good job opportunities for individuals with both business and technical backgrounds.<\/p>\n
<\/p>\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
Ng\u00e0y nay c\u00f4ng ngh\u1ec7 c\u00f3 t\u00e1c \u0111\u1ed9ng ch\u00ednh l\u00ean c\u00f4ng nghi\u1ec7p ng\u00e2n h\u00e0ng. Nhi\u1ec1u d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng c\u00f3 th\u1eddi c\u1ea7n c\u00f3 nh\u00e2n vi\u00ean giao … <\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[],"class_list":["post-4549","post","type-post","status-publish","format-standard","hentry","category-xu-huong-cong-nghe"],"_links":{"self":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts\/4549","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4549"}],"version-history":[{"count":1,"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts\/4549\/revisions"}],"predecessor-version":[{"id":4550,"href":"https:\/\/science-technology.vn\/index.php?rest_route=\/wp\/v2\/posts\/4549\/revisions\/4550"}],"wp:attachment":[{"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4549"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4549"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/science-technology.vn\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4549"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}