04_Tai Lieu Tham Luan Hoi Thao Vien Thong Va Thuong Mai Dien Tu 21-11 2013(Fin)

5/26/2018 04_Tai Lieu Tham Luan Hoi Thao Vien Thong Va Thuong Mai Dien Tu 21-11 2013(Fin)

1/13

THNG MI IN TTRN NN VIN THNG NGN HNG

C HI V THCH THC

H Ni, thng 11/2013


2/13

2

THNG MI IN T TRN NN VIN THNGNGN HNG C HI V THCH THC


3/13

3

NI DUNG CHNG TRNH

I. C HI THCH THC

II. GII PHP SN PHM CA MB

III. THNH TU T C

IV. K HOCH PHT TRIN TRONG TNG LAI


4/13

4

I. C HI THCH THC

Thanh ton khng dng tin mt t lu l ch trng ln ca ng, Chnh Ph. T nm 2007n nay, nh nc ban hnh nhiu vn bn lm c s php l h tr cho s pht trin ca hotng thanh ton khng dng tin mt

STT Ngy Ni dung

1 22/11/2012 Ngh nh s 101/2012/N-CP v thanh ton khng dng tin mt, trong quy nh cho i

tng cung cp dch v Trung gian thanh ton.

2 27/12/2011

Quyt nh s 2453/Q-TTg v vic Ph duyt n y mnh thanh ton khng dng

tin mt ti Vit Nam giai on 2010 -2015 trong nu r mt lot cc gii php nhm

nng t l tip cn vi dch v ngn hng ti Vit Nam ln mc 40%.

3 2009 B Lut Hnh s sa i, b sung nm 2009 cng quy nh cc ti danh c th lin quan n cng

ngh cao, to iu kin cho vic u tranh phng chng ti phm trong thanh ton.

4 15/05/2007

Quyt nh 20/2007/Q-NHNN ban hnh Quy ch v pht hnh, s dng, thanh ton v cung cp

dch v h tr th ngn hng cng vi nhng sa i b sung v lnh vc thanh ton trong LutNHNN; v Lut cc TCTD nm 2010 v ang tng bc xc lp v hon thin hnh lang php l

cho cc dch v ngn hng hin i.

5 8/03/2007

Ngh nh 35/2007/N-CPP quy nh v giao dch in t trong hot ng ngn hng; Ch th

20/2007/CT-TTg, Ch th 05/2007/CT-NHNN v vic tr lng qua ti khon cho cc i tng

hng lng t NSNN.


5/13

5

I. C HI THCH THC

Biu 2: Cc l do ngi dng t chi s dng dch v thanh ton di ng

Biu 1: Cc hnh thc thanh ton khng dng tin mt

Ngun: Boco ch sthng miin t 2012


6/13

6

I. C HI THCH THC

Mc d nhn thc r vai tr, tm quan trng ca vic pht trin thanh ton khng dng tin mt (trong

c cc phng thc thanh ton qua di ng. Tuy nhin cc Ngn hng cn gp nhiu ro cn, thchthc:

Giodc

khchhng

Cung ngdch v

Phi cung ng mt dch v thanh ton va m bo an ton, va thun tin d tip cn v s dngi vi i a s ngi tiu dng l bi ton, thch thc ln i vi tt c cc NH, trong c MB

Thuntin

An tonbo mt


7/13

7


Sn phmthun tin, d

tip cn

Bo m an

ton

Khng cn s dng 3G (tit kim chi ph) Ch cn i sim Ph hp vi mi loi in thoi t thp cp n

cao cp Ch cn c sng di ng

Gi dch v BankPlus

Cng ngh sim toolkit kh c kh nng gianln, gi mo sim;

Kha m ha thng tin c c th ha trnsim (d dng 3DES);

m bo mi c ch xc thc, bo mt, lu trd liu, d phng thm ha theo quy nh ca

NHNN v m bo an ton, bo mt giao dchtrn knh in t. c NHNN chp thun th im ti cng vn

s 8876/NHNN-TT ngy 11/11/2009 v/v chpthun NHTMCP Qun i trin khai dch vMobile Banking


8/13

8

Cc du mc trin khai BankPlus

5/2009 MB bt tayxy dng sn phmBankPlus u tin

3/2011 Chnh thctrin khai BankPlus trnton h thng MB - VT

2013 Pht trin thmnhiu tin ch

Thanh ton cc in thoitr trc/ tr sau

Thanh ton ha n in Tit kim s Nhn kiu hi qua Mobile Chuyn tin trong/ ngoi h

thng..



9/13

9

Hai m hnh in hnh

M - Pesa Smart Money

Cng s dng cng ngh Sim Toolkit

- Cung cp bi Safaricom Kenya - Cung cp bi Smart Communication

- 17 triu user/43 triu dn - 50 triu user/ 92 triu dn

- Li nhun 7 triu USD/thng - Doanh thu 41 triu USD/thng

- Tin ch: Chuyn/ rt tin qua di ng sdng giy t ty thn

- Chuyn tin qua di ng; nhn kiu hi,s dng cng ngh SMS



10/13

10

Bng: Tc tng trng dch v BankPlus qua cc nm

Tc tng trng u n qua cc nm. T trng giao dch chuyn tin mc d chim t l nh trong tng s lng giao dch nhng li

chim t trng cao trong tng gi tr giao dch cho thy sn phm BankPlus l ph hp vigiao dch chuyn tin thanh ton

III. THNH TU T C V TNG TRNG

Loi dch v 2011 2012 2013

S lng giao dch (giao dch) 329,200 2,286,877 3,166,900

Doanh s giao dch (T VND) 182 1,212 1,800

T l giao dch thanh ton/ tngs giao dch

72.9% 78.2% 77.6%

T l giao dch chuyn tin/ tngs giao dch

27.1% 21.8% 22.2%

Gi tr giao dch thanh ton/tng gi tr giao dch

16.7% 15.0% 12.2%

Gi tr giao dch chuyn tin/tng gi tr giao dch

83.3% 85.0% 87.8%


11/13

11

ng dng cc bin php bo mt tin tin, ph hpvi xu th chung, bo m an ton mc cao nht

Khng c li k thut nghim trng

Cha pht sinh li v bo mt

Cha pht sinh tn tht do li h thng

Cha b ph hy ro virus

III. THNH TU T C V BO MT


12/13

12

1 a dng ha loi hnh ha n c thanh ton: in,nc, truyn hnh, bo him, gii tr...

2 Thanh ton ti im l, im chp nhn thanh

ton..

3 Thanh ton trc tuyn qua cc cng thanhton, website thng mi in t,...

4 Cc dch v tin mt; nng cp cc hnhthc xc thc nh ch k s, sinh trc hc...

IV. K HOCH PHT TRIN TRONG TNG LAI


13/13

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TRN TRNG CM N!

Documents

04_Tai Lieu Tham Luan Hoi Thao Vien Thong Va Thuong Mai Dien Tu 21-11 2013(Fin)