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 [email protected] 0976271858 15-Feb-12

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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

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Copyright Protection 2012 | Bui Gia Tuan

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V NHM TC GI V THNG TIN LIN HTi 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 [email protected] 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,

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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./.

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MC LCLI 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

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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

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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 220006


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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 5Copyright Protection 2012 | Bui Gia Tuan

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Vn phng i din ngn hng nc ngoi Cng ty ti chnh Cng ty cho thu ti chnh

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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 vo8


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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 khonCopyright Protection 2012 | Bui Gia Tuan

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.Copyright Protection 2012 | Bui Gia Tuan

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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 AgribankCopyright Protection 2012 | Bui Gia Tuan

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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.13


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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 trcCopyright Protection 2012 | Bui Gia Tuan

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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 Atranfer15


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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 chCopyright Protection 2012 | Bui Gia Tuan

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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 nc17

II. 1.


18


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 t18

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 minhCopyright Protection 2012 | Bui Gia Tuan

th Chip. 19

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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 thng20

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.Copyright Protection 2012 | Bui Gia Tuan

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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.Copyright Protection 2012 | Bui Gia Tuan

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:22

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 VietinBank23

v thi hn tr gp ln n 24 thng.


24


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, ch24

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.


25


-

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).25


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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).26


27


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 thng27

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 mnhCopyright Protection 2012 | Bui Gia Tuan

28


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 him29


30


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 dchCopyright Protection 2012 | Bui Gia Tuan

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.Copyright Protection 2012 | Bui Gia Tuan

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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 Copyright Protection 2012 | Bui Gia Tuan

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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 ATMCopyright Protection 2012 | Bui Gia Tuan

u im ni bt:

33

34


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 VitCopyright Protection 2012 | Bui Gia Tuan

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35


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;Copyright Protection 2012 | Bui Gia Tuan

Habubank pht hnh chic th Habubank Vantage vi y cc tin ch nh:

35

Habubank v cc my ATM trong h thng lin kt;

36


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 quan36

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 thnCopyright Protection 2012 | Bui Gia Tuan

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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 mng37

ti nc ngoi -


38


-

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.38


39


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 Oceanbank39

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

40


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 v40

sch li sut ca OceanBank trong tng thi k.

vi OceanBank.

khon th.

Auto-Saving; c gim gi hng mua trn knh TVShopping;


41


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 Oil41


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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 th42

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 sCopyright Protection 2012 | Bui Gia Tuan

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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 t43

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 chCopyright Protection 2012 | Bui Gia Tuan

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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 dng44

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) vCopyright Protection 2012 | Bui Gia Tuan

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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 45

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)Copyright Protection 2012 | Bui Gia Tuan

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 lCopyright Protection 2012 | Bui Gia Tuan

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.48


49


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 Banking49

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.Copyright Protection 2012 | Bui Gia Tuan

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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.50


51


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 gi51


52


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 thanhCopyright Protection 2012 | Bui Gia Tuan

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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 nh53


54


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 trong54

tnh li vi giao dch thanh ton nh cc ngn hng khc

lin minh Banknetvn, Smartlink, VNBCCopyright Protection 2012 | Bui Gia Tuan

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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.55


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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 bo56

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.57


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Th trng th ngn hng v thanh t

Documents

BankCard & EPay Vietnam 2012