CHNG 1PHNG PHP LUN C BN V CC SN PHM V DCH V C THC HIN THNG QUA NGN HNG IN T NGN HNG THNG MI1.1 S lc v ngn hng thng mi:Ngn hng l mtnh ch ti chnh trung gian, s huy ng vn nhn ri trong x hi v dng chnh tin cho cc c nhn v t chc vay li, v rt himkhi c tnh trng cng mt lc tt c ch tin gi n i n ngn hng, chnh l nguyn tc c bn m bo cho hot ng ca ngn hng. Cn c vo chc nng, ngn hng c chia lm hai loi: ngn hng thng mi v ngn hng Nh nc.Ngn hng thng mi l t chctn dngth hin nhim v c bn nht ca ngn hng l huy ng vn v cho vay vn. Ngn hng thng mi l cu ni gia cc c nhn v t chc, ht vn t ni nhn ri v bm vo ni khan thiu. Hot ng ca ngn hng thng mi nhm mc ch kinh doanh mt hng ha c bit l "vn- tin", trli suthuy ng vn thp hn li sut cho vay vn, v phn chnh lch li sut chnh l li nhun ca ngn hng thng mi.. Hot ng ca ngn hng thng mi phc v cho mi nhu cu v vn ca mi tng lp dn chng, loi hnh doanh nghip v cc t chc khc trong x hi. Khc hn vi ngn hng thng mi,ngn hng Nh nc (ngn hng Trung ng) khng hot ng v mc ch li nhun v cng khng kinh doanh tin t. Mi mt quc gia ch c mt ngn hng Nh nc duy nht, c th gi l ngn hng m c chc nng pht hnh tin, qun l, thc thi v gim st cc chnh sch tin t; v c rt nhiu ngn hng thng mi, c th coi l cc ngn hng con c chc nng thc hin lu chuyn tin trong nn kinh t. Trong trng hp ngn hng thng ming trn b vcph sn, ngn hng Trungng s l nguncp vn cui cngm ngn hng thng mi tmn.Trong ngn hng thng mi, tin huyngc ca ngi gi gi l ti sn "n", tin chocng ty v cc c nhn vaycng nh tin gi cc ngn hng khc v stri phiungn hng s hu gil ti sn "c" ca ngn hng. Phn chnh lch gia s tin huyngc v s tinem cho vay, gi ngn hng vmua tri phiu gi l vn t c. Phn ti sn ctnh thanh khoncaoc gi phng trng hp tin gi vo ngn hng b rt t ngt gi lt l d tr ca ngn hng. Ton b s vn ca ngn hngc chia lm hai loi vn cp 1 v vn cp 2. Vn cp 1 cn gi l vn nng ct, v c bn bao gm vniu l, li nhun khng chia v cc qu d tr lp trn c s trch tli nhun ca t chc nh qu d tr b sung vniu l, qu d phng ti chnh v quu t pht trin. Vn cp 2 bao gm: phn gi tr tng thm donh gi li ti sn ca t chc, ngun vn gia tng hoc b sung t bn ngoi(nhtri phiu chuyni,c phiuuiv mt s cng c n khc).1.2 Ngn hng in t:1.2.1 Khi nim ngn hng in t:a) Khi nim:Ngn hng in t l ngn hng m cc dch v c cung cp qua cc phng tin k thut in t. Khch hng khng cn trc tip n cc chi nhnh ngn hng m vn c th thc hin cc giao dch v nm bt cc thng tin ti chnh ca mnh. Nh vo nhng tin ch m gip cho khc hng tit kim c thi gian v ng thi qun l c ngun ti chnh ca mnh mi lc ngay c khi ngn hng khng lm vic. Ngn hng in t ra i mang li li ch to ln cho ngn hng, chi ph ban u v chi ph cho cng tc iu hnh gim xung ng k nng sut lm vic ca nhn vin c nng cao v li ch ca khch hng c nng ln ng k, tuy nhin vic u t cho ngn hng in t cn mt ngun kinh ph ln v phi lin tc nng cp p ng cc vn v bo mt v an ninh cng nh gia tng tnh tin ch cng mang li nhiu thch thc cho nhng n v trin khai. Nh ni trn ngn hng in t bao gm nhiu sn phm nh: Cc loi th nha (th thanh ton, th thng minh...) My rt tin t ng Dch v ngn hng qua in thoi Dch v ngn hng ti nh Dch v ngn hng qua mng my tnh ton cu Dch v ngn hng vin thng khng dy.b) Bi cnh hnh thnh:u th k 21, nn kinh t th gii c nhng bc chuyn bin v cng nh tri qua nhiu cuc khng hong ti chnh nghim trng. Tng ngy, cng ngh khoa hc k thut ngy cng pht trin v s chuyn ng ca nn kinh t cng ha nhp vi xu hng , to ra nhiu cch tip cn mi. Ngy nay, ngn hng in t ang l mt xu th pht trin tt yu trn th gii. Ngn hng in t ang pht trin nhanh v lm bin i su sc cc phng thc kinh doanh, thay i hnh thc, ni dung hot ng kinh t, vn ha, x hi ca loi ngi. Trong nhng nm va qua, ngn hng in t pht trin ln mnh, nhanh chng em li nhiu c hi v thch thc cho nn kinh t cn non tr ca Vit Nam. Qu trnh hi nhp ca nn kinh t Vit Nam cng pht trin mnh m t chiu rng n chiu su qua cc cam kt kinh t quc t nh: u i thu quan (CEFT), din n hp tc kinh t Chu Thi Bnh Dng (APEC), hip nh thng mi Vit Nam Hoa K, gia nhp t chc thng mi th gii (WTO), m phn hip nh thng mi Chu Thi Bnh Dng (TPP), thnh vin ASEAN... Qua dn n s pht trin ca ngn hng in t ti Vit Nam, m ra nhiu c hi v thch thc cho lnh vc ngn hng.1.2.2 Cc cp ca ngn hng in t:a) Cp th nht: Ngn hng in t khng khc nhiu so vi giao dch qua in thoi hay giao dch vi mt my rt tin t ng. Bng cch s dng bn phm s ca in thoi, khch hng c th bit c tnh hnh ti khon ca mnh hoc c th thc hin giao dch n gin nh chuyn tin t ti khon tit kim sang ti khon vng lai ca mt ch ti khon.b) Cp th hai: Internet ng vai tr tch cc hn. Lc ny mi trang ch trn ngn hng ca internet c xem nh mt ca s giao dch. Ngoi chc nng kim tra ti khon, khch hng cn c th thc hin hng lot cc giao dch trc tuyn nh vay mua hng, mua mt hp ng bo him v k c u t vo chng khon.c) Cp th ba: Ngn hng ng vai tr rt ln, h tr cho thng mi in t gia cc doanh nghip pht trin. Mi giao dch nh chuyn tin, m th tn dng cho hp ng mua bn gia cc nh xut nhp khu, m cc th bo lnh u c th thc hin trc tuyn. Khch hng s khng phi n tr s ca ngn hng m vn c th thc hin c cc giao dch qua mt chng trnh do ngn hng ci t ti vn phng ca khch hng. Chng trnh ny cho php truy cp n my ch ca ngn hng 24/24 gi v c by ngy trong tun.1.2.3 Cc sn phm v dch v c thc hin thng qua ngn hng in t:a) Th thanh ton:i vi th thanh ton c nhiu khi nim din t n, mi mt cch din t nhm lm ni bt mt ni dung no . Sau y l mt s khi nim v th thanh ton: Th thanh ton (Th chi tr) l mt phng tin thanh ton tin mua hng ho, dch v hoc c th c dng rt tin mt ti cc ngn hng i l hoc cc my rt tin t ng. Th thanh ton l mt loi th giao dch ti chnh c pht hnh bi ngn hng, cc t chc ti chnh hay cc cng ty. Th thanh ton l mt phng tin thanh ton khng dng tin mt m ngi ch th c th s dng rt tin mt hoc thanh ton tin mua hng ho, dch v ti cc im chp nhn thanh ton bng th. Th thanh ton l phng thc ghi s nhng s tin cn thanh ton thng qua my c th phi hp vi h thng mng my tnh kt ni gia ngn hng/t chc ti chnh vi cc im thanh ton (Merchant). N cho php thc hin thanh ton nhanh chng, thun li v an ton i vi cc thnh phn tham gia thanh ton.Phn loi th thanh ton: C nhiu cch phn loi th thanh ton: phn loi theo ch th pht hnh, theo tnh cht thanh ton ca th, theo phm vi lnh th... Phn loi theo tnh cht thanh ton ca th:+ Th tn dng (Credit Card): l loi th c s dng ph bin nht, theo ngi ch th c php s dng mt hn mc tn dng khng phi tr li mua sm hng ho, dch v ti nhng c s kinh doanh, khch sn, sn bay... chp nhn loi th ny. Gi y l th tn dng v ch th c ng trc mt hn mc tiu dng m khng phi tr tin ngay, ch thanh ton sau mt k hn nht nh. Cng t c im trn m ngi ta cn gi th tn dng l th ghi n hon hiu (Delayed debit card) hay chm tr.+ Th ghi n (Debit card): y l loi th c quan h trc tip v gn lin vi ti khon tin gi. Loi th ny khi c s dng mua hng ho hay dch v, gi tr nhng giao dch s c khu tr ngay lp tc vo ti khon ca ch th thng qua nhng thit b in t t ti ca hng, khch sn... ng thi chuyn ngn ngay lp tc vo ti khon ca ca hng, khch sn... Th ghi n cn hay c s dng rt tin mt ti my rt tin t ng. Th ghi n khng c hn mc tn dng v n ph thuc vo s d hin hu trn ti khon ca ch th. C hai loi th ghi n c bn: Th online l loi th m gi tr nhng giao dch c khu tr ngay lp tc vo ti khon ch th v th offline l loi th m gi tr nhng giao dch c khu tr vo ti khon ch th sau vi ngy.+ Th rt tin mt (Cash card): l loi th rt tin mt ti cc my rt tin t ng hoc ngn hng. Vi chc nng chuyn bit ch dng rt tin, yu cu t ra i vi loi th ny l ch th phi k qu tin gi vo ti khon ngn hng hoc ch th c cp tn dng thu chi mi s dng c. Th rt tin mt c hai loi: Loi 1 ch rt tin ti nhng my t ng ca ngn hng pht hnh v loi 2 c s dng rt tin khng ch ngn hng pht hnh m cn c s dng rt tin cc ngn hng cng tham gia t chc thanh ton vi ngn hng pht hnh th. Phn loi theo phm vi lnh th:+ Th trong nc: l th c gii hn trong phm vi mt quc gia, do vy ng tin giao dch phi l ng bn t ca nc .+ Th quc t: y l loi th c chp nhn trn ton th gii, s dng cc ngoi t mnh thanh ton. Phn loi theo ch th pht hnh:+ Th do ngn hng pht hnh (Bank Card): l loi th do ngn hng pht hnh gip cho khch hng s dng mt s tin do ngn hng cp tn dng.+ Th do t chc phi ngn hng pht hnh: l loi th du lch v gii tr ca cc tp on kinh doanh ln hoc cc cng ty xng du ln, cc ca hiu ln... pht hnh nh Diner's Club, Amex...b) Thanh ton trc tuyn:Lun l mt trong nhng yu t quan trng thc y thanh ton khng dng tin mt pht trin. Thanh ton trc tuyn cho php khch hng thanh ton cc ha n hay lng, tr cp cho nhn vin bng cch chuyn tin in t. Cc khon chi tr c chuyn in t t ti khon ca h n ti khon ngi hng th. Th tn dng vn c xem nh l phng php thanh ton thnh hnh nht khi giao dch trc tuyn.Cc nh cung cp a ra cc phng php thanh ton khc nhau nh vic chuyn tin bng ho n in thoi, phng php chuyn tin bng in t (EFT) v sc in t (E-check). H gii quyt nhng giao dch ny thng qua my ch hoc chng trnh phn mm Payment Gateway m ho thng tin. iu ny m bo cc phng php thanh ton an ton cho khch hng khi mua hng.Th tn dng (Credit Card): L mt h thng thanh ton, c gi tn theo tm th nha pht hnh cho ngi s dng. Trong h thng ny, nh pht hnh th cho ngi tiu dng mn tin tr cho ngi bn hng, ri tr li sau. Th tn dng cho php ngi tiu dng c th "xoay vng" mn n vi chi ph l tin li. Hu ht cc th tn dng c pht hnh bi cc ngn hng a phng hay cc t chc tn dng, c cng hnh dng v kch thc theo tiu chun ISO 7810. Khi mua sm, ngi dng th cam kt s tr tin cho nh pht hnh th. Ch th th hin cam kt ny bng cch k tn ln ha n c ghi chi tit ca th cng vi s tin, hoc bng cch nhp mt mt m c nhn (PIN). Ngoi ra nhiu im bn hng cng chp nhn cch thc xc minh qua in thoi hoc xc minh qua internet cho nhng giao dch c gi l giao dch vng th hoc vng ch th (CNP - Card/Cardholder Not Present). Cc nh bn hng trc tuyn thng s dng mt cc thc khc xc minh ti khon th, trong ch th thng phi cung cp thm thng tin nh m s an ninh in mt sau th, a ch ch th hoc mt khu nh trc.c) Th tr lng:Hin nay dch tr lng qua th ang c p dng tr lng cho cng nhn vin. Nh nc hin ang m rng dch v ny, dch v ny rt thun li cho cc doanh nghip nhng n cng gy khng t kh khn. H thng my rt tin lin tc c s c khin khch hng bc xc v cht lng tr lng qua ti khon. Nhiu khi c trc trc v my mc khin mi ngi khng rt c tin. Cng ngh cha cao nn cn nhiu hn ch.d) Dch v Internet Banking:Internet Banking l dch v ngn hng in t dng truy vn thng tin ti khon v thc hin cc giao dch chuyn khon, thanh ton qua mng Internet. Internet Banking cho php khch hng thc hin giao dch trc tuyn m khng cn n ngn hng. Ch cn mt chic my vi tnh hoc in thoi di ng c kt ni Internet v m truy cp do ngn hng cung cp, khch hng c th thc hin ccgiao dch vingn hngmi lc mi ni mt cch an ton. Internet Banking cung cp n khch hng cc tin ch sau: Qun l thng tin ti khon (tin gi thanh ton, tin gi tit kim, tin vay): truy vn s d, sao k giao dch Chuyn khon trong ni b ngn hng hoc lin ngn hng Chuyn tin nhn bng CMND/H chiu: trong v ngoi h thng Thanh ton ha n trc tuyn (tin in, tin nc, tin in thoi, tin internet).e) Dch v SMS Banking:SMS Banking l dch v truy vn thng tin v ngn hng nh s d ti khon, ba ln giao dch gn nht, li sut tit kim, t gi bng cch khch hng dng di ng ca mnh nhn tin theo c php quy nh ca ngn hng. Cc dch v ngn hng thng cung cp qua knh SMS Banking: Thng tin v s d ti khon Thng tin v hn mc ca tt c cc loi th tn dng Thng tin v 5 giao dch gn nht v chi tit tng giao dch Thng tin v t gi, li sut Thng tin a im t my ATM, quy giao dch1.3 Nhng thch thc v c hi khi tham gia ngn hng in t:Thch thc: Xt t kha cnh dch v ca cc ngn hng, hi nhp em li nhng th thch rt ln. Theo c tnh ca cc chuyn gia ngn hng th hin nay cc ngn hng thng mi quc t ang thc hin trn 6000 nghip v kinh doanh khc nhau v lnh vc tin t - tn dng - ngn hng Trong khi cc ngn hng thng mi Vit Nam, thu nhp t hot ng tn dng chim 90%, v thc hin ti a khong 3000 nghip v kinh doanh khc nhau trn lnh vc tin t - tn dng - ngn hng(ngun: VNEXPRESS). Vi con s so snh s b ni trn cho thy lnh vc dch v ca cc ngn hng thng mi Vit Nam ang phi ng u vi v vn kh khn v thch thc m trong nhiu thp k na mi ui kp vi cc nc trong khu vc v th gii.p lc cnh tranh: Khi ngn hng c th trin khai ngn hng in t th i th ca ngn hng cng c th p dng tng t, dn n s cnh tranh khc lit, nht l trong thi i s ho v hi nhp nh hin nay. p lc i mi cng ngh: CNTT l mt lnh vc m s lc hu din ra rt nhanh m thng mi in t l mt loi hnh kinh doanh da trn s pht trin ca CNTT v vy cc cng ty kinh doanh trong lnh vc ny cn phi c s i mi nhanh v lin tc p dng cc tin b mi t a dng ho cc sn phm, tng cng kh nng qun l, bo mt...C hi: Bn cnh cc thch thc m cc ngn hng thng mi phi i u v lnh vc dch v th cng chnh lnh vc ny v ang m ra hng lot c hi tt, nu cc ngn hng thng mi bit i tt n u. c bit l n bt nhng thnh tu khoa hc k thut tin tin nht m cc ngn hng thng mi trn th gii i trc chng ta hng chc thp k trong lnh vc ny ng dng n mt cch c hiu qu nht vo thc tin hot ng ti Vit Nam. Ngoi ra ngn hng in t cn gip doanh nghip tit kim c chi ph bn hng, chi ph sn xut, qun l, gim thi gian giao dch v chi ph giao dch.C hi v thch thc lun l bn ng hnh trn tin trnh hi nhp. V vy, thc hin tt cc cam kt trong cc hip nh thng mi song phng v a phng m Chnh ph Vit Nam k kt vi cc t chc quc t ni trn, ton ngnh Ngn hng cn phi c nhng ci cch mnh hn trn mi phng din v m v vi m tng bc bin thch thc thnh c hi trong qu trnh hi nhp. Nhn thc c vn trn, chng ta ch trng c cu li h thng, o thi nhng ngn hng c nng lc yu km, h thng ngn hng phi phc v c lc hn na cho s nghip cng nghip ha - hin i ha t nc trong giai on hi nhp khu vc v quc t. Nhim v trc mt ca cc ngn hng thng mi l khng ngng hc hi cc nc tin tin, m rng cc nghip v ngn hng, a dch v n tng doanh nghip, tng ngi dn, a vn minh thanh ton n vi mi nh, mi ngi v gim n mc ti thiu thanh ton dng tin mt trong nn kinh t, tng lu lng v nhng phng tin thanh ton hin i qua ngn hng, c chin lc hi nhp v ch ng tham gia hi nhp vi l trnh v bin php ph hp, nht l nng cao nng lc qun tr iu hnh, qung b, i mi v ng dng cc k thut mi theo kp cc chun mc quc t sc cnh tranh v pht trin bn vng trong thi k hi nhp nh hin nay.1.4 Quy nh mi in t. Quyt nh s 28/2006/Q-BTC v mc ph cp php v qun l tn min. Quyt nh 018/2007/Q-BTM ban hnh quy ch cp chng nhn xut x in t. Ngh nh s 71/2007/N-CP quy nh chi tit v hng dn thc hin mt s iu lut cng ngh thng tin v cng nghip v cng ngh thng tin. Ngh nh s 63/2007/N-CP quy nh vic x pht trong lnh vc cng ngh thng tin. Ngh nh s 27/2007/N-CP quy nh chi tit thi hnh lut giao dch in t trong hot ng ti chnh. Ngh nh s 97/2008/N-CP qun l v cung cp s dng dch v internet. Ngh nh 106/2011/ N-CP thi hnh Lut giao dch in t v ch k s. CHNG 2TNH HNH TRIN KHAI V SN PHM V DCH V CA NGN HNG IN T TI NGN HNG SACOMBANK*Thc trng Vit Nam*a) S lng ngn hng phc v thanh ton Vit Nam hin nay: Loi ngn hngS lng31/12/2011S lng31/12/2012

Ngn hng thng mi nh nc55

Ngn hng chnh sch11

Ngn hng thng mi c phn3534

Ngn hng lin doanh44

Ngn hng 100% vn nc ngoi55

Tng5049

Bng 2.1: Ngun: Website ca ngn hng Nh nc www.sbv.gov.vnTnh n ngy 31/12/2012 Vit Nam c tt c 49 ngn hang, gim 1 ngn hng so vi nm 2011. Vo ngy 28/12/2012 ngn hng thng mi c phn nh H Ni (Habubank) st nhp vi ngn hng c phn Si Gn - H Ni (SHB) lm gim s ngn hng thng mi c phn t 35 nm 2011 xung cn 34 ngn hng nm 2012.b) S lng ngn hng trin khai dch v ngn hng in t: NmS lng ngn hng

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Bng 2.2: Ngun: S liu ca cc TMT vCNTT, B Cng ThngTrong bng s liu trn ta c th thy s lng ngn hng trin khai dch v ngn hng in t ti Vit Nam lin tc tng v thm ch cn tng mnh t nm 2004 - 2011 nhng tng trng chm li t nm 2011 cho ta thy rng s lng ngn hng trin khai dch v ny ti Vit Nam gn nh c tt c cc ngn hng trin khai.*S lc v ngn hng thng mi c phn Sacombank*Ngn hng Thng mi c phn Si Gn Thng Tn (tn giao dch: Sacombank) l mtngn hng thng mic phncaVit Nam, thnh lp vo nm1991. Nm 2012, Sacombank cvn iu ll 14.176 tng, c coi l ngn hng thng mi c phn c vn iu l v h thng chi nhnh ln nht Vit Nam.Trong nhng nm u mi thnh lp, Sacombank l mt t chc tn dng nh vi vn iu l khong 3 t ng. Trong nhng nm 1995 - 1998, vi sng kin pht hnh c phiu i chng (Sacombank l mt trong nhng cng ty u tin pht hnh c phiu i chng Vit Nam), Sacombank c th nng vn t 23 t ln 71 t ng.Pht hnhc phiu i chngcng tr thnh knh huy ng vn di hn chnh cho Sacombank trong nhng giai on sau ny. c bit trong giai on 2000 - 2006, khith trng chng khonVit Nam c nhng bc pht trin mnh m, y cng l giai on Sacombank bng n pht trin v vn v cc chi nhnh.Ccc ngchnh ca Sacombank bao gm c cc c ng t chc v c ng gia nh. Cc t chc ch yu gmANZ,IFC,Dragon CapitalvREEl cc i tc chin lc ca Sacombank. Mi t chc ny nm gi t trn 5% n trn 10% vn c phn ca Sacombank v c nhng ng gp ng k vo vic pht trin ca Sacombank. C ng gia nh chnh l gia nh ngng Vn Thnh, ch tchhi ng qun trca Sacombank, nm khong 15% vn ch s hu ca Sacombank.Hin ti Sacombank kinh doanh trong cc lnh vc chnh sau y: Huy ng vn, tip nhn vn vay trong nc; cho vay, hn vn v lin doanh, lm dch v thanh ton gia cc khch hng; huy ng vn ngn hn, trung hn, di hn ca cc t chc, dn c di cc hnh thc gi tin c k hn, khng k hn, chng ch tin gi, tip nhn vn u t v pht trin ca cc t chc trong nc, vay vn ca cc t chc tn dng khc, cho vay ngn hn, trung hn, di hn i vi cc t chc v c nhn, chit khu cc thng phiu, tri phiu v giy t c gi, hn vn v lin doanh theo pht lut; lm dch v thanh ton gia cc khch hng; kinh doanh vng bc, ngoi t, thanh ton quc t; huy ng vn t nc ngoi v cc dch v ngn hng khc trong mi quan h vi nc Tin ch: Khch hng c th qun l ngun ti chnh bt k ni u, bt k lc no, ch ng tra cu thng tin lin quan n cc khon vay (ngy n hn, gc phi tr, li phi tr). Khch hng khng cn phi nh c php phc tp, d dng s dng theo hng dn trn giao din thn thin. n gin - Nhanh Chng - An ton. c tnh: Vi sn phm truy vn ti khon qua mPlus khch hng c th d dng xem thng tin chi tit tin vay (ngy n hn, gc phi tr, li phi tr), xem chi tit s d (ti khon tin gi thanh ton, th thanh ton Sacombank) v xem sao k 5 giao dch gn nht. iu kin v th tc: Khch hng c nhn c m ti khon hoc th thanh ton ti Sacombank v ng k s dng MobileBanking mPlus ca Sacombank.*Th tc ng k MobileBanking mPlus: Mang theo CMND hoc H chiu n bt k im giao dch no ca Sacombank ng k dch v. ng k ti Internet Banking dnh cho khch hng c s dng Internet Banking phn h thanh ton*b) Truy vn tin gi c k hn: Tin ch: Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin cc tra cu 24/7 (k c ngoi gi lm vic ca ngn hng). Gip khch hng d dng qun l tt c cc ti khon thanh ton ca mnh. L mt phng thc hin i ph hp vi xu th pht trin ca x hi. C an ton, bo mt cao. c tnh: Vi sn phm truy vn TK Tin gi c k hn qua Internet Banking, khch hng c th d dng xem thng tin chi tit s d, xem 10 giao dch sau cng ca tin gi c k hn, xem giao dch tin gi c k hn theo iu kin (T ngy...n ngy...). iu kin v th tc: Khch hng c nhn c m ti khon ti Sacombank, ng k s dng Internet Banking ca Sacombank v c ti khon tin gi c k hn cn hot ng.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*c) Truy vn thng tin tin vay: Tin ch: Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin cc tra cu 24/7 (k c ngoi gi lm vic ca ngn hng). Gip khch hng d dng qun l tt c cc khon vay ca mnh. Khch khng cn phi lo vic qun ngy n hn thanh ton n vay. L mt phng thc hin i ph hp vi xu th pht trin ca x hi. C an ton, bo mt cao. c tnh: Vi sn phm truy vn thng tin tin vay qua Internet Banking khch hng c th d dng xem thng tin chi tit ti khon tin vay, xem chi tit gc, li tr, xem chi tit lch gii ngn, xem thng tin lch tr n ca thng lin k. iu kin v th tc: Khch hng c nhn c m ti khon ti Sacombank, c ti khon tin vay ti Sacombank, ng k s dng Internet Banking ca Sacombank.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*2.1.2 Chuyn khon trc tuyn:a) Chuyn khon trong h thng nhn bng ti khon: Tin ch: Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin cc giao dch 24/7 (k c ngoi gi lm vic ca ngn hng). Khch hng khng phi n ngn hng thc hin cc giao dch thanh ton chuyn Sacombank qua Internet Banking khch hng c th d dng thc hin trn vn mt giao dch chuyn khon, hn mc chuyn ti a ln n 1 t/ngy, kim tra cc giao dch thc hin. iu kin v th tc: Khch hng c nhn c m ti khon ti Sacombank, ng k s dng Internet Banking ca Sacombank.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*b) Chuyn khon trong h thng nhn bng CMND: Tin ch: Khch ch ng thc hin lnh chuyn khon bng cch trch tin t ti khon thanh ton m ti Sacombank ngi nhn nhn bng CMND/HC ti cc im giao dch ca Sacombank. Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin cc giao dch 24/7 (k c ngoi gi lm vic ca ngn hng). Khch hng khng phi n ngn hng thc hin cc giao dch thanh ton chuyn khon. S tin chuyn trong ngy i vi khch hng c nhn ln n1 t/ngy. Ngi nhn khng cn c ti khon ti Sacombank. Ngi nhn s nhn c tin ngay khi n im giao dch do khch hng thc hin chuyn trn Internet Banking. Khch c th ch ng chn bt k im giao dch no trong h thng Sacombank thun tin nht vi ngi nhn. Khch hng khng cn phi nh thng tin CMND/HC tng thc hin giao dch chuyn khon cho nhng ln sau. Ngoi ra khch hng c th ch ng theo di tnh trng ca giao dch chuyn tin (ngi nhn nhn tin cha?) v ch ng iu chnh thng tin CMND nu c sai st khi giao dch hon tt. L mt phng thc hin i ph hp vi xu th pht trin ca x hi. C an ton, bo mt cao. c tnh: Vi sn phm chuyn khon trong h thng nhn bng CMND qua Internet Banking khch hng c th d dng thc hin trn vn mt giao dch chuyn khon, hn mc chuyn ti a ln n 1 t/ngy, kim tra/iu chnh cc giao dch thc hin. iu kin v th tc: Khch hng c nhn c m ti khon ti Sacombank, ng k s dng Internet Banking ca Sacombank.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*c) Chuyn khon ngoi h thng: Tin ch: Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin cc giao dch 24/7 (k c ngoi gi lm vic ca ngn hng). Khch hng khng phi n ngn hng thc hin cc giao dch thanh ton chuyn khon. S tin chuyn trong ngy i vi khch hng c nhn ln n1 t/ngy. Khng cn tr ngi khi thc hin chuyn tin cho ngi nhn ti cc ngn hng khc trong nc. Ngi nhn s nhn c tin trong vng 24h. Qun l giao dch thanh ton linh hot cho ngi dng. L mt phng thc hin i ph hp vi xu th pht trin ca x hi. C an ton, bo mt cao. c tnh: Vi sn phm chuyn khon ngoi h thng Sacombank qua Internet Banking khch hng c th d dng thc hin trn vn mt giao dch chuyn khon, ch ng chn ngn hng thun tin nht ti Vit Nam i vi ngi th hng, ch ng chn phng thc chuyn thun tin nht cho ngi th hng (CMND/Ti khon). iu kin v th tc: Khch hng c nhn c m ti khon ti Sacombank, ng k s dng Internet Banking ca Sacombank.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*2.1 chc nng nhc n t ng qua website v theo di cc lnh thanh ton thc hin mt cch d dng, nhanh chng. iu kin v th tc: Khch hng c nhn c m ti khon ti Sacombank, ng k s dng Internet Banking ca Sacombank.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*b) Thanh ton ha n: Tin ch: L phng thc thanh ton khng dng tin mt. Khch hng khng phi n ngn hng/n v cung cp dch v thc hin cc giao dch thanh ton ha n. Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin cc giao dch 24/7 (k c ngoi gi lm vic ca cc nh cung cp dch v). Gip khch hng kim sot c vic thanh ton cho cc ha n tiu dng hng k kp thi, trnh b chm tr. Qun l giao dch thanh ton linh hot cho ngi dng, c bit l i vi cc khch hng t chc, doanh nghip. L mt phng thc thanh ton hin i ph hp vi xu th pht trin ca x hi. C an ton, bo mt cao. c tnh: Vi sn phm thanh ton ha n qua Internet Banking khch hng c th d dng thc hin cc lnh thanh ton ha n cho nh cung cp dch v, ci t cc mu thanh ton ha n thng s dng c th ti s dng nhng ln thanh ton sau, ch ng ng k s dng chc nng nhc n t ng qua website v theo di cc lnh thanh ton thc hin mt cch d dng, nhanh chng. iu kin v th tc: Khch hng c nhn c m ti khon ti Sacombank, ng k s dng Internet Banking ca Sacombank.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).**Danh sch nh cung cp: Ha n in Tng cng ty in lc Tp.HCM v234 Cng ty in lc ti 30 tnh/thnh Ha n in thoi c nh/ADSL VNPT (Tp.HCM v Hi Phng), SPT (Tp.HCM v Nam Si Gn) Thu bao di ng tr sau Viettel, Sfone, Mobifone (ton quc), Vinaphone (Tp.HCM v Hi Phng Ha n ADSL Viettel, in thoi c inh Homephone Viettel (Ton quc). Ha n ADSL FPT (Ton quc) Ha n tin nc Cng ty cp nc Ch Ln Tp.HC, Cng ty CP Cp nc Ph Ha Tn v Cng ty CP Cp nc Nh B.*2.1.4 Mua hng trc tuyn:a) Mua v my bay: Tin ch: Nhanh chng, tit kim thi gian. n gin vi 3 bc d khch hng ang bt k ni no. Chn chuyn bay ti u ha v gi, ph hp k hoch, hnh trnh bay vi hn 30 hng hng khng ni a v quc t. Khng cn lo lng v vic v b mt, b nhu nt, b tht lc hay b qun v nh... Phng thc thanh ton nhanh chng, an ton, mi lc, mi ni. Nhn v in t linh hot qua email hoc tin nhn di ng. c tnh: Vi sn phm mua v my bay qua Internet Banking, khch hng c th d dng thc hin mua v my bay vi 3 bc n gin: Bc 1:Gi in thoi n Tng i t v v nhn M thanh ton; Bc 2:Thanh ton v theo M thanh ton nhn tiBc 1; Bc 3:Nhn v in t v email hoc in thoi ca Qu khch. Ngoi ra, khch hng c th ch ng theo di cc lnh mua hng thc hin trong khong thi gian mong mun. iu kin v th tc: Khch hng c nhn c m ti khon ti Sacombank, ng k s dng Internet Banking ca Sacombank.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*b) Np tin in thoi tr trc: Tin ch: L phng thc mua hng khng dng tin mt. Khch hng khng phi n i l mua th co. Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin np tin cho thu bao di ng tr trc 24/7 (k c ngoi gi lm vic ca ngn hng). Khng cn gp phin toi vi th co (nhp dy s di, th co b try xc khng thy r s). C th np tin ngay khi c thng tin khuyn mi ca nh mng. c tnh: Vi sn phm np tin in thoi qua Internet Banking khch c th d dng thc hin np tin in thoi cho thu bao tr trc ca chnh mnh hoc ngi thn, bn b, np tin thu bao tr trc ca tt c c cc mng di ng ti Vit Nam, thanh ton cc cho thu bao tr sau ca Viettel v Mobifone bng cch np tin theo mnh gi th co tr trc. iu kin v th tc: Khch hng c nhn c m ti khon ti Sacombank, ng k s dng Internet Banking ca Sacombank.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*2.1.5 Tin gi trc tuyn: Tin ch: Ch ng gi v rt tin trc tuyn 24/7 (k c ngoi gi lm vic ca ngn hng). Li sut hp dn theo cc k hn gi la chn. To tn gi nh cho tng khon u t. Qun l ti khon n gin, hin i. m bo an ton, hiu qu v khng ri ro. c tnh: Loi tin gi: VN, a dng k hn gi, s tin gi linh hot, ti thiu 1.000.000 VN, li sut cnh tranh, hp dn, theo di ti khon mi lc, mi ni. iu kin v th tc: Khch hng c nhn c m ti khon ti Sacombank, ng k s dng Internet Banking ca Sacombank.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*2.1.6 Cc dch v ngn hng u t:a) Dch v thanh ton t ng cc thu bao tr sau Mobifone: Tin ch: L phng thc mua hng khng dng tin mt. Khch hng khng phi n i l ng tin cc. Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin np tin cho thu bao di ng tr sau ca Mobifone 24/7. c tnh: Vi sn phm np tin in thoi qua Internet Banking khch c th d dng thc hin np tin in thoi cho thu bao tr sau ca chnh mnh hoc ngi thn, bn b, thanh ton cc cho thu bao tr sau ca Mobifone bng cch np tin theo mnh gi ca cc in thoi. iu kin v th tc: Khch hng l doanh nghip hoc c nhn s dng thu bao Mobifone tr sau, khch hng c m ti khon ti Sacombank, ng k s dng Internet Banking ca Sacombank.*Th tc ng k Internet Banking: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank). ng k s dng Internet Banking ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*b) y thc thanh ton: Tin ch: L phng thc thanh ton t ng qua ngn hng nhanh chng, an ton, tin li. Khch hng khng cn phi dnh thi gian n ngn hng hay n v cung cp dch v thc hin cc giao dch thanh ton nh k. Gip khch hng kim sot c vic thanh ton cho cc ha n tiu dng hng k(in, nc, in thoi...)kp thi, trnh b chm tr, thit lp cc khon thanh ton t ng cho cc nhu cu phc v i sng nhng tin hc ph, np tin bo him, gi tin cho ngi thn, thanh ton hp ng thng mi. Tit kim thi gian, chi ph. c tnh: Ch 1 ln ng k y thc thanh ton - knh giao dch thanh ton t ng qua ngn hng, Sacombank s t ng trch tin t ti khon ca khch hng thc hin thanh ton ha n hoc thanh ton theo tha thun trong hp ng, theo tiu ch khch hng nh sn, ti khon y thc thanh ton l ti khon tin gi thanh ton VN v phi m bo duy tr s d thc hin thanh ton v giao dch ph (nu c).Vi cc ha n tiu dng nh k: Lch thanh ton: thanh ton khi ngn hng nhn c thng tin c pht sinh d n S tin thanh ton: theo d n ha n pht sinh Cho php t tn gi nh tng ha n hoc hp ng y thc thanh ton ng k nhc lch thanh ton qua email hoc SMS khi ngn hng nhn c thng tin c pht sinh d n ha n cn thanh ton ca khch hng Ci t th t u tin cho cc ha n y thc thanh ton.Vi cc nhu cu pht sinh: Lch thanh ton: theo chu k (tun/thng/nm) hoc theo ngy c th S tin thanh ton: theo s tin c th hoc ton b s d trong ti khon hin c ti thi im thc hin giao dch Cho php gia hn thanh ton, ci t din gii v t tn gi nh cho tng hp ng y thc thanh ton Ty chn thi im nhc lch thanh ton qua email hoc SMS Ci t th t u tin cho cc hp ng y thc thanh ton. iu kin v th tc: Khch hng c m ti khon tin gi thanh ton ti Sacombank, ng k s dng y thc thanh ton, bn nhn thanh ton bao gm: Cc nh cung cp dch v lin kt vi Sacombank v c m ti khon ti Sacombank, c nhn/t chc do khch hng yu cu vi hnh thc th hng l nhn bng ti khon hoc CMND.*Th tc ng k y thc thanh ton: M m khch hng (nu l khch hng mi, cha c m khch hng ti Sacombank) v m ti khon tin gi thanh ton VN. ng k s dng y thc thanh ton ti cc im giao dch ca Sacombank trn ton quc. Mang theo CMND hoc H chiu (bn gc).*2.2 Cc sn phm v dch v Mobile Banking thng qua ngn hng in t ca Sacombank:2.2.1 Tng tc hai chiu: Tin ch: Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin tra cu thng tin Sacombank v thng tin cc giao dch ti chnh 24/7 (k c ngoi gi lm vic ca ngn hng). Gip khch hng d dng qun l tt c cc ti khon ngn hng ca mnh. L mt phng thc hin i ph hp vi xu th pht trin ca x hi. C an ton, bo mt cao. c tnh: Vi dch v tng tc hai chiu, khch hng c th d dng tra cu thng tin chung ca ngn hng v thng tin ti khon bng tin nhn theo c php v gi n tng i 8149. Thng tin chung ngn hng gm: t gi vng v cc loi ngoi t, a im t my ATM, quy giao dch ca Sacombank. Thng tin ti khon gm: S d ti khon TGTT ti Sacombank, 5 giao dch gn nht v chi tit tng giao dch, ng k nhn s ph qua email. iu kin v th tc: in thoi di ng vi chc nng son v nhn tin nhn SMS, son tin nhn theo c php quy nh ca Sacombank.*Th tc ng k: Khch hng c th s dng cc chc nng truy vn thng tin chung ca ngn hng bng cch son tin nhn theo c php m khng cn phi ng k trc. s dng chc nng truy vn thng tin ti khon khch hng cn mang theo CMND/HC n bt k im giao dch no ca Sacombank v ng k s dng Mobile Banking SMS dch v tng tc hai chiu.*2.2.2 Bo giao dch t ng: Tin ch: Khch hng c th kim tra v gim st thng tin ti khon ngn hng ca mnh sau khi c pht sinh giao dch hoc bin ng s d trong ti khon.Khch c th cp nht thng tin, s kin mi nht ca Sacombank. Tit kim thi gian, khch hng c th kim tra thng tin cc giao dch ti chnh 24/7 (k c ngoi gi lm vic ca ngn hng). L mt phng thc hin i ph hp vi xu th pht trin ca x hi. C an ton, bo mt cao. c tnh: Vi dch v bo giao dch t ng khch hng c th kim sot ti chnh mt cch d dng nh nhn tin nhn bo thng tin giao dch (TK tin gi thanh ton, TK tit kim khng hn), c th ng k nhn tin nhn thng tin giao dch ti khon cho nhiu s in thoi di ng v nhn tin nhn bo thng tin cc s kin, cc sn phm dch v mi, cc chng trnh khuyn mi, cc thng bo mi nht... ca Sacombank. iu kin v th tc: in thoi di ng vi chc nng son v nhn tin nhn SMS, ng k s dng Mobile Banking SMS - bo giao dch t ng.*Th tc ng k: Khch hng cn mang theo CMND/HC n bt k im giao dch no ca Sacombank ng k dch v.*2.2.3 Nhc n t ng: Tin ch: Tin bo nhanh chng, tit kim thi gian khch hng c th kim tra thng tin s tin cn thanh ton. La chn vi ngn hng thi gian nhn tin bo nhc n t ng trc ngy n hn thanh ton ph hp vi nhu cu khch hng.L mt phng thc hin i ph hp vi xu th pht trin ca x hi.C an ton, bo mt cao. c tnh: Vi Mobile Banking SMS - dch v nhc n t ng, khch hng s nhn tin nhn nhc n hn thanh ton cc khon vay, ng k tin nhn nhc n cho mt hoc nhiu s in thoi ng vi mi khon vay, ty chn thi im ng k gi tin nhn nhc n n hn thanh ton khon vay trc t 01 n 07 ngy. iu kin v th tc: in thoi di ng vi chc nng son v nhn tin nhn SMS, c khon vay ti Sacombank, ng k s dng Mobile Banking SMS - dch v nhc n t ng.*Th tc ng k: Khch hng cn mang theo CMND/HC n bt k im giao dch no ca Sacombank ng k dch v.*2.2.4 Nhc n hn np tin gi tng lai: Tin ch: Khng cn lo lng v b l k gp tin tch ly mong mun hng thng i vi ti khon tin gi tng lai. La chn vi ngn hng thi gian nhn tin bo nhc n hn np tin TGTL trc ngy n hn thanh ton ph hp vi nhu cu khch hng. Nhn tin nhn nhc n hn np tin TGTL ng thi im khch hng ng k hng thng. Gip khch hng d dng t c s tin tch ly mong mun ra ban u. L mt phng thc hin i ph hp vi xu th pht trin ca x hi. C an ton, bo mt cao. c tnh: Vi Mobile Banking SMS - dch v nhc n hn np tin gi tng lai, khch hng s nhn tin nhn nhc n hn np tin gi tng lai, c th ng k nhc n hn cho mt hoc nhiu s in thoi ng vi mi ti khon tin gi tng lai, ty chn thi im ng k gi tin nhn nhc n hn np tin gi tng lai, trc t 01 n 07 ngy. iu kin v th tc: in thoi di ng vi chc nng son v nhn tin nhn SMS, c ti khon tin gi tng lai cn hiu lc ti Sacombank, ng k s dng Mobile Banking SMS - dch v nhc n hn np tin gi tng lai.*Th tc ng k: Khch hng cn mang theo CMND/HC n bt k im giao dch no ca Sacombank ng k dch v.*2.3 Cc sn phm v dch v Mobile Banking mPlus thng qua ngn hng in t ca Sacombank:2.3.1 Truy vn ti khon: Tin ch: Khch hng c th qun l ngun ti chnh bt k ni u, bt k lc no. Ch ng tra cu thng tin lin quan n cc khon vay ca khch hng (ngy n hn, gc phi tr, li phi tr). Khch hng khng cn phi nh c php phc tp, d dng s dng theo hng dn trn giao din thn thin. n gin - Nhanh Chng - An ton. c tnh: Vi sn phm truy vn ti khon qua mPlus khch hng c th d dng xem thng tin chi tit tin vay (ngy n hn, gc phi tr, li phi tr), xem chi tit s d ca ti khon tin gi thanh ton v th thanh ton Sacombank, xem sao k 5 giao dch gn nht. iu kin v th tc: Khch hng c nhn c m ti khon hoc th thanh ton ti Sacombank, ng k s dng Mobile Banking mPlus ca Sacombank.*Th tc ng k: Khch hng cn mang theo CMND/HC n bt k im giao dch no ca Sacombank ng k dch v hoc ng k ti Internet Banking dnh cho khch hng c s dng Internet Banking phn h thanh ton.*2.3.2 Np tin th tr trc: Tin ch: L phng thc mua hng khng dng tin mt. Khch hng khng phi n ngn hng thc hin cc giao dch np tin vo th tr trc ca Sacombank. C th thc hin cc giao dch k c ngoi gi lm vic hnh chnh, c bit ngoi gi lm vic ca ngn hng. Gip khch hng khng cn lo lng v khng ti chnh khi ang thc hin cc giao dch mua hng trc tuyn bng th tr trc Sacombank. Khch hng c th em li nim vui v s bt ng cho i tc, bn b, ngi thn bt c lc no v bt k ni u. L phng thc mua hng linh hot, nhanh chng, an ton. c tnh: Vi sn phm np tin th tr trc Sacombank qua mPlus khch hng c th d dng thc hin cc lnh np tin vo th tr trc cho trung tm th Sacombank, np tin vo th tr trc ca chnh khch hng hoc ca ngi khc, tin s c np ngay vo th tr trc cn np, gi thng tin kt qu np tin n TD ch th tr trc ngay lp tc. iu kin v th tc: Khch hng c nhn c m ti khon hoc th thanh ton ti Sacombank, ng k s dng Mobile Banking mPlus ca Sacombank.*Th tc ng k: Khch hng cn mang theo CMND/HC n bt k im giao dch no ca Sacombank ng k dch v hoc ng k ti Internet Banking dnh cho khch hng c s dng Internet Banking phn h thanh ton.*2.3.3 Thanh ton th tn dng: Tin ch: L phng thc thanh ton khng dng tin mt. Khch hng khng phi n ngn hng thc hin cc giao dch thanh ton th tn dng. Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin cc giao dch k c ngoi gi lm vic hnh chnh, c bit ngoi gi lm vic ca ngn hng. Gip khch hng kim sot, qun l giao dch thanh ton linh hot d n cc th tn dng ng hn, kp thi, trnh b chm tr. Ch ng gi thng tin kt qu thanh ton n TD ngi nhn ngay lp tc. L phng thc thanh ton linh hot, nhanh chng, an ton. c tnh: Vi sn phm thanh ton th tn dng qua mPlus, khch hng c th d dng thc hin cc lnh thanh ton th tn dng cho trung tm th Sacombank, thanh ton th ca chnh khch hng hoc ca ngi khc, gim ngay d n th tn dng, thanh ton th tn dng vi s tin khch hng mong mun. iu kin v th tc: Khch hng c nhn c m ti khon hoc th thanh ton ti Sacombank, ng k s dng Mobile Banking mPlus ca Sacombank.*Th tc ng k: Khch hng cn mang theo CMND/HC n bt k im giao dch no ca Sacombank ng k dch v hoc ng k ti Internet Banking dnh cho khch hng c s dng Internet Banking phn h thanh ton.*2.3.4 Np tin TD: Tin ch: L phng thc mua hng khng dng tin mt. Khch hng khng phi n i l mua th co. Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin np tin in thoi 24/7. Khch hng khng cn gp phin toi vi th co (nhp dy s di, th co b try xc khng thy r s). Khch hng khng b b l nhng chng trnh khuyn mi t nh cung cp. Ch ng gi thng tin kt qu np tin n TD ngi nhn ngay lp tc. c tnh: Vi sn phm np tin in thoi qua mPlus khch hng c th d dng thc hin np tin in thoi cho thu bao tr trc ca chnh mnh hoc ngi thn, bn b, np tin thu bao tr trc ca tt c cc mng di ng ti Vit Nam. iu kin v th tc: Khch hng c nhn c m ti khon hoc th thanh ton ti Sacombank, ng k s dng Mobile Banking mPlus ca Sacombank.*Th tc ng k: Khch hng cn mang theo CMND/HC n bt k im giao dch no ca Sacombank ng k dch v hoc ng k ti Internet Banking dnh cho khch hng c s dng Internet Banking phn h thanh ton.*2.3.5 Chuyn khon trong h thng nhn bng TK hoc CMND/HC: Tin ch: Nhanh chng, tit kim thi gian, ch ng mi lc mi ni, khch hng c th thc hin cc giao dch 24/7 (k c ngoi gi lm vic ca ngn hng). Khch hng khng phi n ngn hng thc hin cc giao dch thanh ton chuyn khon. Hn mc chuyn khon cho 1 giao dch dnh cho khch hng c nhn: ti a 100.000.000 VN. Ch ng gi thng tin nhn kt qu giao dch n TD ngi nhn ngay lp tc. Ngi nhn s nhn c tin ngay trong ti khon. Khch hng khng cn phi nh c php phc tp, d dng s dng theo hng dn trn giao din thn thin. n gin - Nhanh Chng - An ton. c tnh: Vi sn phm chuyn khon qua mPlus khch hng c th d dng: Chuyn khon n ngi nhn bng ti khon trong h thng Sacombank bao gm: Ti khon chuyn (TK TGTT hoc th thanh ton ca KH ti Sacombank) v ngi nhn ( ng k mPlus thc hin chuyn bng TK TGTT/Th thanh ton/MID (m khch hng mPlus)/TD (s T ng k mPlus) hoc cha ng k mPlus thc hin chuyn bng TK TGTT/ Th thanh ton). Chuyn khon n ngi nhn nhn bng CMND/HC TRONG H THNG Sacombank bao gm: Ti khon chuyn (TK TGTT hoc th thanh ton ca KH ti Sacombank) v ngi nhn (c th nhn bng CMND/HC ti bt k im giao dch Sacombank). iu kin v th tc: Khch hng c nhn c m ti khon hoc th thanh ton ti Sacombank, ng k s dng Mobile Banking mPlus ca Sacombank.*Th tc ng k: Khch hng cn mang theo CMND/HC n bt k im giao dch no ca Sacombank ng k dch v hoc ng k ti Internet Banking dnh cho khch hng c s dng Internet Banking phn h thanh ton.*2.4 So snh sn phm ca Sacombank vi mt s ngn hng khc:2.4.1 So snh:Trong xu hng hi nhp ton cu, ngn hng phi lun bit t lm mi mnh a ra nhiu sn phm v dch v tt nht ngy mt tho mn nhu cu ca khch hng trc p lc cnh tranh gay gt, Sacombank cng khng ng ngoi xu hng nn giao dch qua ngn hng in t chim mt vai tr quan trng. Bng vic so snh mc a dng ca sn phm v dch v thng qua ngn hng in t , li ch ca sn phm, u i ca tng sn phm mang li cho khch hng so vi i th cnh tranh t thy c nhng im mnh v hn ch ca Sacombank. Bng 2.3: So snh mc a dng ca sn phm dich v v li ch thng qua ngn hng in t ca Sacombank v Techcombank (Internet Banking).

Ngn hng SacombankTechcombank

Sn phm Internet Banking(1) Truy vn ti khonQun l ti chnh c nhn

(2) Dch v chuyn khon trc tuyn Cha c

(3) Mua hng trc tuyn Mua sm trc tuyn

(4) Thanh ton trc tuyn Thanh ton thu h online

(5) Tin gi trc tuyn Gi tit kim online

(6) Cc dch v ngn hng u t Vay online

Li ch (1) Xem s d ti khon tin gi, tin vay, tin gi thanh ton, thng tin giao dch th tn dng, xem lch tr n tin vay Xem s d ti khon vay, tit kim, thng tin giao dch th tn dng, t lch tr n tin vay

(2) Chuyn tin cng h thng, khc h thng, chuyn tin cng h thng m ngi n nhn ch cn em theo chng minh nhn dn Cha c

(3) Mua v my bay, np tin in thoi tr trc tt c cc mng Mua sm ti cc cng thanh ton ln ti Vit Nam nh eBay, TVshopping, muaban.net, VietnamAirline, AirMekong, Jetstar, megastar, vinagame

(4) Thanh ton th tn dng, thanh ton ho n in nc Thanh ton th tn dng, thanh ton tin in, thanh ton in thoi tra sau, np tin in thoi tra trc, thanh ton ph bo him Prudential, Ace Life

(5) Gi tin a k hn ti thiu 1000000Gi tit kim ti thiu 1000000

(6) Cha c Gii ngn ngay ti thi im yu cu vi khch hng vay cm c s tit kim

u i Cc dch v (1)(2)(4) c min ph thng nin, dch v (2) c min ph chuyn khon trong cng h thng thng xuyn c cc chng trnh khuyn mi Min ph ang k s dng tt c dch v fast i banking, thng xuyn c cc chng trnh khuyn mi

Bng 2.4: So snh mc a dng ca sn phm dich v v li ch thng qua ngn hng in t ca Sacombank v Techcombank (Mobile Banking).Ngn hng Sacombank Techcombank

Sn phm Mobile Baking (1) Mobile Baking sms Fast mobipay

(2) Mobile baking mplus

Li ch (1) D dng tra cu t gi, cy ATM, quy giao dch, xem thng tin ti khon bng cch son tin nhn smsC th tra cu thng tin ti khon, thanh ton trc tuyn, chuyn khon trong techcombank, thanh ton cc ph cho thu bao tr sau...

(2) Xem thng tin chi tit tin vay, xem s d thanh ton th thanh ton

u i (1) (2) min ph ng k, min ph giao dch, min ph qun l Min ph ng k dch v, min ph thng nin

2.4.2 im mnh, nhng thnh qu: im mnh: L mt ngn hng vi lch s pht trin lu di th Sacombank lun c chin lc u t cho nhng phng thc thanh ton mi ph hp vi xu hng ca th gii, trong mng Internet Banking lun c ngn hng ch trng, Sacombank lin tip nghin cu a ra cc sn phm ph hp vi th hiu ngi tiu dng hng ti s tin li cho khch hng nh: khch hng ch cn nh m vn c th xem thng tin v cc khon vay ca mnh, k hn tr n, lch tr n, li, chuyn tin, thanh ton cc loi chi ph sinh hot v i li rt thun tin p ng hu ht nhu cu ca khch hng. V cc ngn hng khc cng trin khai cc sn dch v tng ng nn Sacombank khng ngng gia tng tin ch v cht lng dch v ca mnh. Sacombank c lin kt vi cc nh thanh ton ln nn phm vi thanh ton qua Internet Banking rt rng, c bit c cc dch v c o m ngn hng khc cha c c nh chuyn khon nhn bng chng minh nhn dn tc l ngi nhn khng cn phi c ti khon ti ngn hng, thanh ton trc tuyn vi hn mc tn dng ln ln n 1 t/ngy so vi Techcombank l 10 triu/ngy p ng nhiu nhu cu thanh ton nh mua th in thoi thanh ton th tn dng, mua v my bay, thanh ton in nc, qun l ti chnh bt k u vi dch v Mobile Banking, wedsite c xy dng trc quan d s dng. Cung cp nhiu chng trnh khuyn mi cng nh u i v ph dch v. Ngoi ra Sacombank khng ngng ci tin c s h tng thanh ton, bo mt, phng thc an ton thng tin cho khch hng, h tr khch hng 24/7 nhm em li cho khch hng s tin li v an ton nht khi n vi Internet Banking ca Sacombank. -Nhng thnh qu t c:Hot ng ngn hng in t trong thi gian gn y c nhiu bc i mi khi sc v cht lng dch v v hiu qu hot ng nh vo cc gii php c trin khai thnh cng d n nng cao hiu sut Internet Banking hp tc vi Infosys chun b trin khai nng cp ngn hng in t y mnh chng trnh khuyn mi p ng th hiu khch hng nn kt qu t c t hot ng ny l kh n tng s lng Internet Banking t 371493 tng hn 200% so vi nm 2011 t 170% k hoch nm 2012 thu dch v ngn hng in t t 22,5 t ng cao gp 3.3 ln so vi nm 2011.2.4.3 im yu, nhng hn ch: im yu: ng k dch v Internet Banking th khch hng phi mang CMND ti quy giao dch tai ngn hng iu ny c th gy ra kh khn cho khch hng trong vic ng k trong khi th Techcombank khch hng ch cn ng k qua in thoi c kt ni Internet, y l mt bt li ln. Ngoi ra dch v thanh ton qua Internet cn rt mi m nc ta v cng nh Sacombank v th c mt s giao dch cha c nh gi tin online trong nhng i th cnh tranh c iu , lm gim kh nng cnh tranh ca ngn hng, thanh ton qua ngn hng in t b gii hn bi trnh tip cn cng thng tin nn khch hng ch yu l gii tr v nhng ngi hiu bit tng i v tin hc v th hn ch khch hng ca dch v, cha c dch v thanh ton bng nhiu ngoi t khc nhau. Cc giao dch din ra i khi b nghn, khng x l c, b li gy phin phc cho khch hng. Qung b dch v mang li hiu cha cao. Dch v thanh ton qua Internet Banking cha thc s a dng, thiu cc a im thanh ton m cc khch hng gii tr cn nh: eBay, TVshopping Trong khi , i th cnh tranh l Techcombank c.Dch v SMS Banking cha tht s em li nhiu s tin ch m ch dng li tra cu thng tin ti khon.Mt khc cc vn v bo mt cha tht s mnh khin cho tin tc d xm nhp vo h thng ly i thng tin ti khon gy nguy him cho ngn hng v khch hng c bit l trn nn tng di ng. Nhng hn ch:Do thanh ton qua ngn hng in t l mt mi trng cn ht sc mi m nc ta ni chung v Sacombank ni ring nn kinh nghim trong xy dng v qun l phi c thi gian hc tp cc nc tin tin. C s h tng cha p ng v cn lc hu so vi cc nc trong khu vc khin cho vic trin khai cc sn phm v dch v cn nhiu kh khn. Vic u t vo c s h tng cn s vn ln cng l nguyn nhn, thanh ton khng dng tin mt cha tht s tr thnh phng thc thanh ton ph bin nc ta.

CHNG 3MT S GII PHP V KIN NGH NHM THC Y S PHT TRIN CA NGN HNG IN T3.1 Khi qut cc mt hn ch cn tn ti ca sn phm:Vi dch v Internet Baking th cn nhng mt hn ch nh c nu Chng 2 th ngn hng Sacombank cn thm cc dch v nh: ng dng ngn hng in t phi k ti l cng tc marketing. Bn cnh vic em ti cho khch hng nhng dch v Internet Banking hon ho nht th hot ng tng cng trin khai cc chin dch qung co v cc sn phm ca Internet Banking l khng th thiu. Ph bin, qung co tin ch ca sn phm ngn hng in t ti khch hng, nhng u im r nt nht ca Internet Banking m cc dch v ngn hng truyn thng khng th c c, giao dch qua knh in t s thun li hn giao dch trc tip. Ngoi ra ngn hng cn cung cp thm cc knh khch hng c th tm hiu cch s dng dch v (t ri, internet). Gii php v cng ngh: Cc nghip v ngn hng cn c tin hc ha mt cch ng b ph hp vi chun mc quc t thng qua vic xy dng cc phn mm hp l ph hp vi iu kin ca ngn hng Si Gn Thng Tn. Cng vi vic lm trn, ngn hng cn phi nng cp, trang b h thng c s h tng cng ngh thng tin ti u bao gm: my ch, h thng lu tr, cc trung tm d liu, trang thit b phn cng phn mm phc v cho vic kt ni, lin kt gia Sacombank v cc ngn hng trong nc v quc t. Gii php v an ton bo mt: u t thch ng cho cng tc an ninh, bo mt. Chi ph b ra cho cng vic ny phi chim mt t l nht nh trong tng chi ph xy dng v trin khai dch v E-Banking. Phn ln chi ph b ra dnh cho vic nhp cc phn mm cng ngh qun l m ti khon c nhn, phn mm m bo an ton phng chng ri ro t nc ngoi Gii php v Internet Banking: Nhng tin ch ca dch v Internet Banking cn c m rng ra. Ngoi nhng tin ch n gin nh tra cu cc thng tin v ti khon, thanh ton ha n, tin in thoi th Sacombank cn pht trin thm cc tin ch nh: m ti khon online, pht hnh th ATM, th tn dng; thanh ton ha n: in, nc, in thoi c nh, di ng, bo him, lp v gi th yu cu m L/C, bo lnh, lp v gi h s xin vay vn, rt vn bi ngn hng, gi tin online, ng k dch v online. Gii php v SMS Banking: Kt hp lin kt vi cc nh cung cp dch v, cc doanh nghip pht trin dch v thanh ton qua SMS vi cc loi hnh thanh ton a dang nh ph Internet, ph chi in t online, ph bo him Khch hng s hng tin ch ny m khng phi tr phm mi ph hp vi nhu cu ca cc i tng khch hng tim nng ca Internet Banking.Tng u t cho vn bo mt v c s h tng thng tin cho h thng trnh tnh trng ngn mng, l thng tin c nhn khch hng, thng tin n khch hng cc bin php an ton.

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