{"id":3978,"date":"2023-04-07T03:48:34","date_gmt":"2023-04-07T03:48:34","guid":{"rendered":"http:\/\/emandai.net\/blog\/?p=3978"},"modified":"2023-08-16T04:24:40","modified_gmt":"2023-08-16T04:24:40","slug":"nhung-xu-huong-cong-nghe-nganh-ngan-hang-va-tai-chinh","status":"publish","type":"post","link":"https:\/\/emandai.net\/blog\/vi\/nhung-xu-huong-cong-nghe-nganh-ngan-hang-va-tai-chinh\/","title":{"rendered":"Nh\u1eefng xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7 ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">N<\/span><span style=\"font-weight: 400;\">g\u00e0nh ng\u00e2n h\u00e0ng &amp; t\u00e0i ch\u00ednh \u0111\u00e3 v\u00e0 \u0111ang tr\u1ea3i qua qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i c\u00f4ng ngh\u1ec7. C\u00e1c xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7 h\u00e0ng \u0111\u1ea7u c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn nh\u01b0 c\u00f4ng ngh\u1ec7 l\u01b0u tr\u1eef \u0111\u00e1m m\u00e2y, t\u01b0\u01a1ng t\u00e1c \u0111a k\u00eanh, \u1ee9ng d\u1ee5ng AI t\u1ef1 ph\u1ee5c v\u1ee5 v\u00e0 qu\u1ea3n l\u00fd ch\u1ea5t l\u01b0\u1ee3ng. M\u1ed7i xu h\u01b0\u1edbng n\u00e0y \u0111\u1ec1u c\u00f3 kh\u1ea3 n\u0103ng thay \u0111\u1ed5i b\u1ed1i c\u1ea3nh ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 6<\/span><span style=\"font-weight: 400;\"> xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00f3n \u0111\u1ea7u \u1ee9ng d\u1ee5ng trong nh\u1eefng n\u0103m t\u1edbi.\u00a0<\/span><\/p>\n<div id=\"toc_container\" class=\"toc_white no_bullets\"><p class=\"toc_title\">Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Khia_canh_uu_tien_ung_dung_cong_nghe_trong_nganh_ngan_hang_tai_chinh\"><span class=\"toc_number toc_depth_1\">1<\/span> Kh\u00eda c\u1ea1nh \u01b0u ti\u00ean \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 trong ng\u00e0nh ng\u00e2n h\u00e0ng &amp; t\u00e0i ch\u00ednh<\/a><\/li><li><a href=\"#Dai_dich_Covid-19_8211_cu_huych_cho_cuoc_dua_cong_nghe_tai_cac_ngan_hang_to_chuc_tai_chinh\"><span class=\"toc_number toc_depth_1\">2<\/span> \u0110\u1ea1i d\u1ecbch Covid-19 &#8211; \u201cc\u00fa hu\u00fdch\u201d cho cu\u1ed9c \u0111ua c\u00f4ng ngh\u1ec7 t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng &amp; t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh<\/a><\/li><li><a href=\"#Top_6_xu_huong_cong_nghe_ngan_hang_tai_chinh_nam_2023\"><span class=\"toc_number toc_depth_1\">3<\/span> Top 6 xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7 ng\u00e2n h\u00e0ng t\u00e0i ch\u00ednh n\u0103m 2023<\/a><ul><li><a href=\"#Cong_nghe_dien_toan_dam_may\"><span class=\"toc_number toc_depth_2\">3.1<\/span> C\u00f4ng ngh\u1ec7 \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y<\/a><ul><li><a href=\"#8211_Luu_tru_tap_trung\"><span class=\"toc_number toc_depth_3\">3.1.1<\/span> &#8211; L\u01b0u tr\u1eef t\u1eadp trung<\/a><\/li><li><a href=\"#8211_Kha_nang_mo_rong\"><span class=\"toc_number toc_depth_3\">3.1.2<\/span> &#8211; Kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng<\/a><\/li><li><a href=\"#8211_Kha_nang_tiep_can_247\"><span class=\"toc_number toc_depth_3\">3.1.3<\/span> &#8211; Kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn 24\/7<\/a><\/li><\/ul><\/li><li><a href=\"#Big_Data_Du_lieu_lon\"><span class=\"toc_number toc_depth_2\">3.2<\/span> Big Data \/ D\u1eef li\u1ec7u l\u1edbn<\/a><\/li><li><a href=\"#Tri_tue_nhan_tao_va_Hoc_may\"><span class=\"toc_number toc_depth_2\">3.3<\/span> Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 H\u1ecdc m\u00e1y<\/a><ul><li><a href=\"#8211_Nhan_dien_khach_hang\"><span class=\"toc_number toc_depth_3\">3.3.1<\/span> &#8211; Nh\u1eadn di\u1ec7n kh\u00e1ch h\u00e0ng<\/a><\/li><li><a href=\"#8211_Dich_vu_khach_hang\"><span class=\"toc_number toc_depth_3\">3.3.2<\/span> &#8211; D\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng<\/a><\/li><li><a href=\"#8211_Quan_ly_gian_lan_va_rui_ro\"><span class=\"toc_number toc_depth_3\">3.3.3<\/span> &#8211; Qu\u1ea3n l\u00fd gian l\u1eadn v\u00e0 r\u1ee7i ro<\/a><\/li><li><a href=\"#8211_Tu_dong_hoa_khau_giam_sat_va_danh_gia_chat_luong_dich_vu_khach_hang\"><span class=\"toc_number toc_depth_3\">3.3.4<\/span> &#8211; T\u1ef1 \u0111\u1ed9ng ho\u00e1 kh\u00e2u gi\u00e1m s\u00e1t v\u00e0 \u0111\u00e1nh gi\u00e1 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng<\/a><\/li><\/ul><\/li><li><a href=\"#Ngan_hang_mo_Open_Banking\"><span class=\"toc_number toc_depth_2\">3.4<\/span> Ng\u00e2n h\u00e0ng m\u1edf (Open Banking)<\/a><\/li><li><a href=\"#Da_kenh_tuong_tac_Onmichannel\"><span class=\"toc_number toc_depth_2\">3.5<\/span> \u0110a k\u00eanh t\u01b0\u01a1ng t\u00e1c (Onmichannel)<\/a><\/li><li><a href=\"#RPA\"><span class=\"toc_number toc_depth_2\">3.6<\/span> RPA<\/a><\/li><\/ul><\/li><li><a href=\"#Lam_the_nao_cac_ngan_hang_co_the_thich_ung_voi_xu_huong_ky_thuat_so_vao_nam_2023\"><span class=\"toc_number toc_depth_1\">4<\/span> L\u00e0m th\u1ebf n\u00e0o c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 th\u00edch \u1ee9ng v\u1edbi xu h\u01b0\u1edbng k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0o n\u0103m 2023?<\/a><ul><li><a href=\"#Tim_doi_tac_tin_cay\"><span class=\"toc_number toc_depth_2\">4.1<\/span> T\u00ecm \u0111\u1ed1i t\u00e1c tin c\u1eady<\/a><\/li><li><a href=\"#Nam_bat_su_hop_tac\"><span class=\"toc_number toc_depth_2\">4.2<\/span> N\u1eafm b\u1eaft s\u1ef1 h\u1ee3p t\u00e1c<\/a><\/li><li><a href=\"#Phat_trien_van_hoa_doi_moi\"><span class=\"toc_number toc_depth_2\">4.3<\/span> Ph\u00e1t tri\u1ec3n v\u0103n ho\u00e1 \u0111\u1ed5i m\u1edbi<\/a><\/li><\/ul><\/li><li><a href=\"#Ket_luan\"><span class=\"toc_number toc_depth_1\">5<\/span> K\u1ebft lu\u1eadn<\/a><\/li><li><a href=\"#Ve_EMAI\"><span class=\"toc_number toc_depth_1\">6<\/span> V\u1ec1 EM&amp;AI<\/a><\/li><\/ul><\/div>\n<h2><span id=\"Khia_canh_uu_tien_ung_dung_cong_nghe_trong_nganh_ngan_hang_tai_chinh\"><span style=\"color: #ff6600;\"><b>Kh\u00eda c\u1ea1nh \u01b0u ti\u00ean \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 trong ng\u00e0nh ng\u00e2n h\u00e0ng &amp; t\u00e0i ch\u00ednh<\/b><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">M\u1ed9t <\/span><a href=\"https:\/\/www.statista.com\/statistics\/933598\/strategic-priorities-for-financial-services-firms\/\"><span style=\"font-weight: 400;\">cu\u1ed9c kh\u1ea3o s\u00e1t v\u00e0o th\u00e1ng 8 n\u0103m 2020<\/span><\/a><span style=\"font-weight: 400;\"> \u0111\u00e3 cho th\u1ea5y Top 3 \u01b0u ti\u00ean c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh g\u1ed3m:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a kh\u00e1ch h\u00e0ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">T\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng ph\u00e2n t\u00edch d\u1eef li\u1ec7u<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nh\u1eefng v\u1ea5n \u0111\u1ec1 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft tr\u1ef1c ti\u1ebfp th\u00f4ng qua c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7.\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3980 aligncenter\" src=\"http:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Nhu\u031b\u0303ng-u\u031bu-tie\u0302n-u\u031b\u0301ng-du\u0323ng-co\u0302ng-nghe\u0323\u0302-trong-nga\u0302n-ha\u0300ng-to\u0302\u0309-chu\u031b\u0301c-ta\u0300i-chi\u0301nh-300x149.png\" alt=\"\u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 ng\u00e2n h\u00e0ng\" width=\"700\" height=\"349\" srcset=\"https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Nhu\u031b\u0303ng-u\u031bu-tie\u0302n-u\u031b\u0301ng-du\u0323ng-co\u0302ng-nghe\u0323\u0302-trong-nga\u0302n-ha\u0300ng-to\u0302\u0309-chu\u031b\u0301c-ta\u0300i-chi\u0301nh-300x149.png 300w, https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Nhu\u031b\u0303ng-u\u031bu-tie\u0302n-u\u031b\u0301ng-du\u0323ng-co\u0302ng-nghe\u0323\u0302-trong-nga\u0302n-ha\u0300ng-to\u0302\u0309-chu\u031b\u0301c-ta\u0300i-chi\u0301nh-1024x510.png 1024w, https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Nhu\u031b\u0303ng-u\u031bu-tie\u0302n-u\u031b\u0301ng-du\u0323ng-co\u0302ng-nghe\u0323\u0302-trong-nga\u0302n-ha\u0300ng-to\u0302\u0309-chu\u031b\u0301c-ta\u0300i-chi\u0301nh-768x383.png 768w, https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Nhu\u031b\u0303ng-u\u031bu-tie\u0302n-u\u031b\u0301ng-du\u0323ng-co\u0302ng-nghe\u0323\u0302-trong-nga\u0302n-ha\u0300ng-to\u0302\u0309-chu\u031b\u0301c-ta\u0300i-chi\u0301nh.png 1387w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2><span id=\"Dai_dich_Covid-19_8211_cu_huych_cho_cuoc_dua_cong_nghe_tai_cac_ngan_hang_to_chuc_tai_chinh\"><span style=\"color: #ff6600;\"><b>\u0110\u1ea1i d\u1ecbch Covid-19 &#8211; \u201cc\u00fa hu\u00fdch\u201d cho cu\u1ed9c \u0111ua c\u00f4ng ngh\u1ec7 t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng &amp; t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh<\/b><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u0110\u1ea1i d\u1ecbch Covid-19 \u0111\u00e3 thay \u0111\u1ed5i c\u1ee5c di\u1ec7n kinh doanh c\u1ee7a m\u1ecdi l\u0129nh v\u1ef1c. \u0110\u00e2y c\u0169ng l\u00e0 \u201cc\u00fa hu\u00fdch\u201d th\u00fac \u0111\u1ea9y 2020 tr\u1edf th\u00e0nh n\u0103m c\u1ee7a nh\u1eefng ti\u1ebfn b\u1ed9 c\u00f4ng ngh\u1ec7. C\u00e1c xu h\u01b0\u1edbng ch\u00ednh n\u1ed5i l\u00ean trong n\u0103m 2020, 2021 v\u00e0 2022 trong t\u1ea5t c\u1ea3 c\u00e1c ng\u00e0nh, kh\u00f4ng ngo\u1ea1i l\u1ec7 \u0111\u1ed1i v\u1edbi ng\u00e0nh ng\u00e2n h\u00e0ng, bao g\u1ed3m:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>L\u00e0m vi\u1ec7c t\u1eeb xa (Work from home)<\/strong>. L\u00e0m vi\u1ec7c t\u1ea1i nh\u00e0 \u0111\u00e3 ph\u1ed5 bi\u1ebfn \u0111\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi trong th\u1eddi k\u1ef3 \u0111\u1ea1i d\u1ecbch. \u0110\u1ed1i v\u1edbi nhi\u1ec1u doanh nghi\u1ec7p, l\u00e0m vi\u1ec7c t\u1eeb xa t\u1ecf ra hi\u1ec7u qu\u1ea3 kh\u00f4ng k\u00e9m th\u1eadm ch\u00ed l\u00e0 h\u01a1n \u2013 so v\u1edbi m\u00f4i tr\u01b0\u1eddng truy\u1ec1n th\u1ed1ng.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Gia t\u0103ng nhu c\u1ea7u t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/strong> \u0110\u1ea1i d\u1ecbch khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi c\u0103ng th\u1eb3ng v\u00e0 lo l\u1eafng h\u01a1n v\u1ec1 t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y gi\u00fap gia t\u0103ng nhu c\u1ea7u s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. C\u00e1c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng s\u1ed1 b\u1eaft \u0111\u1ea7u n\u00e2ng cao h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng s\u1ed1 &amp; b\u1ed9 ph\u1eadn ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng. \u0110\u1ea3m b\u1ea3o d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng nhanh ch\u00f3ng &amp; 24\/7 \u0111\u1ec3 gia t\u0103ng c\u1ea1nh tranh.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Thay \u0111\u1ed5i h\u00e0nh vi v\u00e0 th\u00f3i quen s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n k\u1ef9 thu\u1eadt s\u1ed1.<\/strong> Kh\u00e1ch h\u00e0ng \u0111\u00e3 d\u1ea7n quen v\u1edbi c\u00f4ng ngh\u1ec7 l\u00e0 m\u1ed9t trong nh\u1eefng thay \u0111\u1ed5i t\u00edch c\u1ef1c sau covid 19. B\u1ecb m\u1eafc k\u1eb9t \u1edf nh\u00e0 khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi tr\u1edf n\u00ean quen thu\u1ed9c h\u01a1n v\u1edbi internet v\u00e0 c\u00f4ng ngh\u1ec7. H\u1ecd v\u1eabn ti\u1ebfp t\u1ee5c &amp; duy tr\u00ec th\u00f3i quen t\u01b0\u01a1ng t\u00e1c \u201ckh\u00f4ng \u0111i\u1ec3m ch\u1ea1m\u201d. Th\u1eadm ch\u00ed, y\u00eau th\u00edch vi\u1ec7c t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c c\u00f4ng c\u1ee5 t\u1ef1 \u0111\u1ed9ng ho\u00e1 nh\u01b0 Chatbot AI hay Voicebot AI.\u00a0<\/span><\/li>\n<\/ul>\n<h2><\/h2>\n<h2><span id=\"Top_6_xu_huong_cong_nghe_ngan_hang_tai_chinh_nam_2023\"><span style=\"color: #ff6600;\"><b>Top 6 xu h\u01b0\u1edbng c\u00f4ng ngh\u1ec7 ng\u00e2n h\u00e0ng t\u00e0i ch\u00ednh n\u0103m 2023<\/b><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">6 xu h\u01b0\u1edbng sau \u0111\u00e2y s\u1ebd l\u00e0 nh\u00e2n t\u1ed1 ch\u00ednh trong ng\u00e0nh ng\u00e2n h\u00e0ng trong n\u0103m t\u1edbi \u2013 v\u00e0 c\u00f3 th\u1ec3 l\u00e0 trong th\u1eadp k\u1ef7 t\u1edbi!<\/span><\/p>\n<h3><span id=\"Cong_nghe_dien_toan_dam_may\"><span style=\"color: #0000ff;\"><b>C\u00f4ng ngh\u1ec7 \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y<\/b><\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Th\u00e1ng 12\/2019, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh <\/span><b><i>\u201cChi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 th\u00f4ng tin ng\u00e0nh ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u1ebfn n\u0103m 2025, \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ebfn 2030\u201d<\/i><\/b><span style=\"font-weight: 400;\">. Theo \u0111\u00f3, x\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau \u0111\u1ebfn 2025 s\u1ebd c\u00f3 60% ng\u00e2n h\u00e0ng Vi\u1ec7t Nam s\u1eed d\u1ee5ng cloud v\u00e0 100% ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng s\u1eed d\u1ee5ng cloud v\u00e0o n\u0103m 2030. Nh\u1eefng n\u0103m 2020, 2021 v\u00e0 2022 \u0111\u00e3 th\u00fac \u0111\u1ea9y cu\u1ed9c \u0111ua chuy\u1ec3n \u0111\u1ed5i s\u1ed1 c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng. \u0110\u1ec3 th\u00edch \u1ee9ng nhanh ch\u00f3ng, nhi\u1ec1u t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh b\u1eaft \u0111\u1ea7u t\u0103ng t\u1ed1c \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u00e1m m\u00e2y.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0110i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y cung c\u1ea5p h\u1ea7u h\u1ebft t\u1ea5t c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 \u0111i\u1ec7n to\u00e1n c\u1ea7n thi\u1ebft. \u0110i\u1ec1u n\u00e0y bao g\u1ed3m m\u1ecdi th\u1ee9 t\u1eeb m\u00e1y ch\u1ee7 v\u00e0 c\u01a1 s\u1edf d\u1eef li\u1ec7u \u0111\u1ebfn ph\u00e2n t\u00edch v\u00e0 ph\u1ea7n m\u1ec1m.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">C\u00f3 3 y\u1ebfu t\u1ed1 ch\u00ednh khi\u1ebfn vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y \u0111\u00e1ng \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng:\u00a0<\/span><\/p>\n<h4><span id=\"8211_Luu_tru_tap_trung\"><b>&#8211; L\u01b0u tr\u1eef t\u1eadp trung<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">T\u1ea5t c\u1ea3 th\u00f4ng tin \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef an to\u00e0n \u1edf m\u1ed9t v\u1ecb tr\u00ed. \u0110\u00e1m m\u00e2y t\u1ed3n t\u1ea1i trong kh\u00f4ng gian k\u1ef9 thu\u1eadt s\u1ed1 ch\u1ee9 kh\u00f4ng ph\u1ea3i v\u1eadt l\u00fd. \u0110i\u1ec1u n\u00e0y cho ph\u00e9p nh\u00e2n vi\u00ean \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n c\u00f3 quy\u1ec1n truy c\u1eadp m\u1ecdi l\u00fac, m\u1ecdi n\u01a1i, cho ph\u00e9p m\u00f4i tr\u01b0\u1eddng l\u00e0m vi\u1ec7c t\u1eeb xa v\u00e0 hi\u1ec7u qu\u1ea3 cao h\u01a1n.\u00a0<\/span><\/p>\n<h4><span id=\"8211_Kha_nang_mo_rong\"><b>&#8211; Kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">S\u1eed d\u1ee5ng thi\u1ebft b\u1ecb t\u1ea1i ch\u1ed7 \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin t\u00e0i ch\u00ednh nh\u1ea1y c\u1ea3m c\u00f3 th\u1ec3 t\u1ed1n k\u00e9m. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t \u0111\u00fang khi quy m\u00f4 kinh doanh v\u00e0 nhu c\u1ea7u t\u0103ng l\u00ean. V\u1edbi \u0111\u00e1m m\u00e2y, n\u1ec1n t\u1ea3ng c\u1ee7a b\u1ea1n s\u1ebd t\u1ef1 \u0111\u1ed9ng thay \u0111\u1ed5i quy m\u00f4 v\u00e0 c\u00f3 th\u1ec3 x\u1eed l\u00fd kh\u1ed1i l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c l\u1edbn.<\/span><\/p>\n<h4><span id=\"8211_Kha_nang_tiep_can_247\"><b>&#8211; Kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn 24\/7<\/b><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Do n\u1eb1m trong m\u1ed9t kh\u00f4ng gian \u1ea3o, \u0111\u00e1m m\u00e2y cung c\u1ea5p kh\u1ea3 n\u0103ng truy c\u1eadp 24\/7. \u0110\u1ed1i v\u1edbi nh\u00e2n vi\u00ean, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 t\u1ef1 do h\u01a1n trong m\u00f4i tr\u01b0\u1eddng l\u00e0m vi\u1ec7c c\u1ee7a h\u1ecd. \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 truy c\u1eadp t\u00e0i kho\u1ea3n v\u00e0 xem th\u00f4ng tin t\u00e0i ch\u00ednh b\u1ea5t c\u1ee9 khi n\u00e0o h\u1ecd mu\u1ed1n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ngo\u00e0i ra, vi\u1ec7c di chuy\u1ec3n l\u01b0u tr\u1eef tr\u00ean \u0111\u00e1m m\u00e2y cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng gi\u1ea3m chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng. Nh\u00e2n vi\u00ean c\u00f3 th\u1ec3 truy c\u1eadp d\u1eef li\u1ec7u v\u00e0 l\u00e0m vi\u1ec7c t\u1eeb xa. T\u1eeb \u0111\u00f3, chi ph\u00ed\u00a0 v\u1eadn h\u00e0nh\u00a0 kh\u00f4ng gian v\u0103n ph\u00f2ng \u0111\u01b0\u1ee3c gi\u1ea3m \u0111\u00e1ng k\u1ec3.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span id=\"Big_Data_Du_lieu_lon\"><span style=\"color: #0000ff;\"><b>Big Data \/ D\u1eef li\u1ec7u l\u1edbn<\/b><\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u1ee8ng d\u1ee5ng Big data \u0111\u1ec3 r\u00fat tr\u00edch th\u00f4ng tin h\u1eefu \u00edch h\u1ed7 tr\u1ee3 ra quy\u1ebft \u0111\u1ecbnh. N\u1ebfu nh\u01b0 tr\u01b0\u1edbc \u0111\u00e2y c\u1ea7n th\u1eddi gian r\u1ea5t d\u00e0i \u0111\u1ec3 x\u1eed l\u00fd d\u1eef li\u1ec7u th\u00ec hi\u1ec7n nay doanh nghi\u1ec7p c\u00f3 th\u1ec3 ph\u00e2n t\u00edch l\u01b0\u1ee3ng d\u1eef li\u1ec7u kh\u1ed5ng l\u1ed3 trong kho\u1ea3ng th\u1eddi gian r\u1ea5t ng\u1eafn.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span id=\"Tri_tue_nhan_tao_va_Hoc_may\"><span style=\"color: #0000ff;\"><b>Tr\u00ed<\/b><b> tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 H\u1ecdc m\u00e1y<\/b><\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o hay c\u00f2n g\u1ecdi l\u00e0 AI l\u00e0 m\u1ed9t c\u00f4ng ngh\u1ec7 r\u1ea5t h\u1eefu \u00edch cho ng\u00e0nh ng\u00e2n h\u00e0ng. <\/span><span style=\"font-weight: 400;\">C\u00e1c tr\u01b0\u1eddng h\u1ee3p s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn cho AI\/ML trong ng\u00e2n h\u00e0ng bao g\u1ed3m:\u00a0<\/span><\/p>\n<h4><span id=\"8211_Nhan_dien_khach_hang\">&#8211; Nh\u1eadn di\u1ec7n kh\u00e1ch h\u00e0ng<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">AI gi\u00fap t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c t\u00e1c v\u1ee5 x\u00e1c minh danh t\u00ednh. Ch\u00fang c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eadp m\u1eadt m\u00e3 ho\u1eb7c s\u1eed d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o m\u1eadt sinh tr\u1eafc h\u1ecdc.<\/span><\/p>\n<h4><span id=\"8211_Dich_vu_khach_hang\"><span style=\"font-weight: 400;\"><strong>&#8211; D\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng<\/strong><\/span><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">C\u00f4ng ngh\u1ec7 Conversation AI \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng ho\u00e1 c\u00e1c t\u01b0\u01a1ng t\u00e1c kh\u00e1ch h\u00e0ng. \u0110i\u1ec1u n\u00e0y th\u01b0\u1eddng xu\u1ea5t hi\u1ec7n d\u01b0\u1edbi d\u1ea1ng chatbot v\u00e0 c\u00f3 th\u1ec3 \u0111\u00f3ng vai tr\u00f2 l\u00e0 \u0111i\u1ec3m ti\u1ebfp x\u00fac quan tr\u1ecdng \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng. Chatbots th\u01b0\u1eddng xuy\u00ean gi\u00fap kh\u00e1ch h\u00e0ng \u0111i\u1ec1u h\u01b0\u1edbng m\u1ed9t trang web v\u00e0 mua c\u00e1c d\u1ecbch v\u1ee5 ho\u1eb7c s\u1ea3n ph\u1ea9m.<\/span><\/p>\n<h4><span id=\"8211_Quan_ly_gian_lan_va_rui_ro\"><span style=\"font-weight: 400;\"><strong>&#8211; Qu\u1ea3n l\u00fd gian l\u1eadn v\u00e0 r\u1ee7i ro<\/strong><\/span><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">AI cung c\u1ea5p kh\u1ea3 n\u0103ng ph\u00e2n t\u00edch v\u00e0 ph\u00e2n t\u00edch r\u1ee7i ro. \u0110i\u1ec1u n\u00e0y gi\u00fap ng\u0103n ch\u1eb7n gian l\u1eadn v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro hi\u1ec7u qu\u1ea3 h\u01a1n. <\/span><span style=\"font-weight: 400;\">56% c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh \u0111\u00e3 tri\u1ec3n khai AI \u0111\u1ec3 qu\u1ea3n l\u00fd r\u1ee7i ro. V\u00e0 \u0111\u00e2y c\u0169ng l\u00e0 ph\u00e2n kh\u00fac \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng AI ph\u1ed5 bi\u1ebfn nh\u1ea5t hi\u1ec7n nay v\u00e0 tr\u1edf th\u00e0nh xu h\u01b0\u1edbng m\u1edbi nh\u1ea5t trong ng\u00e0nh ng\u00e2n h\u00e0ng.<\/span><\/p>\n<h4><span id=\"8211_Tu_dong_hoa_khau_giam_sat_va_danh_gia_chat_luong_dich_vu_khach_hang\"><span style=\"font-weight: 400;\"><strong>&#8211; T\u1ef1 \u0111\u1ed9ng ho\u00e1 kh\u00e2u gi\u00e1m s\u00e1t v\u00e0 \u0111\u00e1nh gi\u00e1 ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng<\/strong><\/span><\/span><\/h4>\n<p><span style=\"font-weight: 400;\">S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 AI trong ph\u00e2n t\u00edch ng\u00f4n ng\u1eef v\u00e0 c\u00e1c cu\u1ed9c g\u1ecdi t\u1ed5ng \u0111\u00e0i gi\u1eefa t\u1ed5ng \u0111\u00e0i vi\u00ean v\u00e0 kh\u00e1ch h\u00e0ng. \u0110i\u1ec1u n\u00e0y gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ki\u1ec3m so\u00e1t 100% ch\u1ea5t l\u01b0\u1ee3ng v\u1edbi m\u1ed9t chi ph\u00ed th\u1ea5p nh\u1ea5t c\u00f3 th\u1ec3.\u00a0<\/span><\/p>\n<figure id=\"attachment_3981\" aria-describedby=\"caption-attachment-3981\" style=\"width: 700px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3981\" src=\"http:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Ung-dung-AI-trong-kinh-doanh-300x199.png\" alt=\"Ngu\u1ed3n: eMarketer\" width=\"700\" height=\"464\" srcset=\"https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Ung-dung-AI-trong-kinh-doanh-300x199.png 300w, https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Ung-dung-AI-trong-kinh-doanh-1024x679.png 1024w, https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Ung-dung-AI-trong-kinh-doanh-768x509.png 768w, https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Ung-dung-AI-trong-kinh-doanh.png 1387w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><figcaption id=\"caption-attachment-3981\" class=\"wp-caption-text\">Ngu\u1ed3n: eMarketer<\/figcaption><\/figure>\n<p>&nbsp;<\/p>\n<h3><span id=\"Ngan_hang_mo_Open_Banking\"><span style=\"color: #0000ff;\"><b>Ng\u00e2n h\u00e0ng m\u1edf (Open Banking)<\/b><\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ng\u00e2n h\u00e0ng m\u1edf hay Open Banking l\u00e0 thu\u1eadt ng\u1eef r\u1ea5t m\u1edbi trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. Theo \u0111\u00f3, ng\u00e2n h\u00e0ng m\u1edf cho ph\u00e9p cho ph\u00e9p \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 3 s\u1eed d\u1ee5ng v\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u1eeb ch\u00ednh d\u1eef li\u1ec7u c\u1ee7a ng\u00e2n h\u00e0ng. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Th\u00f4ng qua \u1ee9ng d\u1ee5ng giao di\u1ec7n l\u1eadp tr\u00ecnh (API), c\u00e1c ng\u00e2n h\u00e0ng cho ph\u00e9p c\u00e1c b\u00ean th\u1ee9 ba truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u. \u0110\u00f3 c\u00f3 th\u1ec3 l\u00e0 d\u1eef li\u1ec7u m\u1edf ho\u1eb7c d\u1eef li\u1ec7u \u0111\u00f3ng c\u1ee7a m\u1ed9t t\u1ed5 ch\u1ee9c. Mi\u1ec5n l\u00e0 c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a ch\u1ee7 s\u1edf h\u1eefu d\u1eef li\u1ec7u v\u00e0 tu\u00e2n th\u1ee7 theo c\u00e1c quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt. Nh\u1edd \u0111\u00f3, c\u00e1c c\u00f4ng ty Fintech c\u00f3 th\u1ec3 t\u1ea1o ra nhi\u1ec1u \u1ee9ng d\u1ee5ng m\u1edbi, ti\u1ec7n \u00edch m\u1edbi. \u0110i\u1ec1u n\u00e0y h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng ki\u1ec3m so\u00e1t th\u00f4ng tin c\u0169ng nh\u01b0 ra quy\u1ebft \u0111\u1ecbnh t\u1ed1t h\u01a1n. Open API v\u00e0 Open Banking \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n s\u1ebd d\u1eabn \u0111\u1ea7u cho k\u1ef7 nguy\u00ean s\u00e1ng t\u1ea1o c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh, ng\u00e2n h\u00e0ng. Tuy nhi\u00ean, v\u1ea5n \u0111\u1ec1 an ninh cho Open Banking v\u1eabn nhi\u1ec1u quan ng\u1ea1i. \u0110\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 b\u1ea3o m\u1eadt, vi\u1ec7c thi\u1ebft l\u1eadp c\u00e1c c\u00f4ng ngh\u1ec7, ti\u00eau chu\u1ea9n d\u1eef li\u1ec7u c\u0169ng nh\u01b0 c\u01a1 ch\u1ebf an ninh d\u1eef li\u1ec7u v\u00e0 ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9 l\u00e0 r\u1ea5t c\u1ea5p thi\u1ebft.\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3982\" src=\"http:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Quy-trinh-trien-khai-ngan-hang-mo-300x85.png\" alt=\"\" width=\"700\" height=\"198\" srcset=\"https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Quy-trinh-trien-khai-ngan-hang-mo-300x85.png 300w, https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Quy-trinh-trien-khai-ngan-hang-mo-1024x290.png 1024w, https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Quy-trinh-trien-khai-ngan-hang-mo-768x218.png 768w, https:\/\/emandai.net\/blog\/wp-content\/uploads\/2023\/04\/Quy-trinh-trien-khai-ngan-hang-mo.png 1277w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/p>\n<h3><\/h3>\n<h3><span id=\"Da_kenh_tuong_tac_Onmichannel\"><span style=\"color: #0000ff;\"><b>\u0110a k\u00eanh t\u01b0\u01a1ng t\u00e1c (Onmichannel)<\/b><\/span><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Gia t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn \u0111a k\u00eanh l\u00e0 chi\u1ebfn l\u01b0\u1ee3c h\u00e0ng \u0111\u1ea7u c\u1ee7a d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng t\u1ea1i ng\u00e2n h\u00e0ng. H\u1ec7 th\u1ed1ng t\u01b0\u01a1ng t\u00e1c \u0111a k\u00eanh cung c\u1ea5p cho kh\u00e1ch h\u00e0ng tr\u1ea3i nghi\u1ec7m c\u00e1 nh\u00e2n h\u00f3a. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 c\u1ee7ng c\u1ed1 l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng m\u00e0 c\u00f2n gi\u00fap cung c\u1ea5p th\u00eam gi\u00e1 tr\u1ecb. Kh\u00e1ch h\u00e0ng mong mu\u1ed1n truy c\u1eadp v\u00e0o h\u1ea7u h\u1ebft c\u00e1c d\u1ecbch v\u1ee5 t\u1eeb\u00a0 \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh c\u1ee7a h\u1ecd.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span id=\"RPA\"><span style=\"color: #0000ff;\"><b>RPA<\/b><\/span><\/span><\/h3>\n<p><a href=\"https:\/\/exadel.com\/financial-technology\/robotic-automation\/\"><span style=\"font-weight: 400;\">RPA (Robotic Process Automation)<\/span><\/a><span style=\"font-weight: 400;\"> l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh trong \u0111\u00f3 robot b\u1eaft ch\u01b0\u1edbc h\u00e0nh \u0111\u1ed9ng c\u1ee7a con ng\u01b0\u1eddi. R\u00f4-b\u1ed1t c\u00f3 th\u1ec3 \u0111i theo c\u00e1c li\u00ean k\u1ebft, sao ch\u00e9p v\u00e0 chuy\u1ec3n h\u01b0\u1edbng d\u1eef li\u1ec7u, x\u00e1c minh d\u1eef li\u1ec7u \u0111\u00f3, th\u1ef1c hi\u1ec7n c\u00e1c ph\u00e9p t\u00ednh to\u00e1n h\u1ecdc v\u00e0 l\u00e0m vi\u1ec7c kh\u00f4ng ng\u1eebng v\u1edbi c\u00e1c m\u00e1y ch\u1ee7. <\/span><span style=\"font-weight: 400;\">RPA \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong ng\u00e2n h\u00e0ng \u1edf c\u00e1c nghi\u1ec7p v\u1ee5 nh\u01b0:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">X\u1eed l\u00fd h\u1ed3 s\u01a1 vay<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ph\u00e1t hi\u1ec7n gian l\u1eadn<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">X\u1eed l\u00fd gi\u1ea5y t\u1edd<\/span><\/li>\n<\/ul>\n<h2><\/h2>\n<h2><span id=\"Lam_the_nao_cac_ngan_hang_co_the_thich_ung_voi_xu_huong_ky_thuat_so_vao_nam_2023\"><span style=\"color: #ff6600;\"><b>L\u00e0m th\u1ebf n\u00e0o c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 th\u00edch \u1ee9ng v\u1edbi xu h\u01b0\u1edbng k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0o n\u0103m 2023?<\/b><\/span><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Bi\u1ebft v\u1ec1 c\u00e1c xu h\u01b0\u1edbng ng\u00e2n h\u00e0ng s\u1eafp t\u1edbi l\u00e0 m\u1ed9t chuy\u1ec7n. C\u00f3 h\u00e0nh \u0111\u1ed9ng \u0111\u00fang \u0111\u1eafn \u0111\u1ec3 tri\u1ec3n khai trong t\u01b0\u01a1ng lai l\u00e0 m\u1ed9t vi\u1ec7c kh\u00e1c. Tr\u01b0\u1edbc xu h\u01b0\u1edbng, c\u00e1c chuy\u00ean gia c\u0169ng c\u1ea7n xem x\u00e9t c\u00e1ch h\u1ecd th\u00edch \u1ee9ng v\u1edbi nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110\u1ec3 b\u1eaft \u0111\u1ea7u chuy\u1ec3n \u0111\u1ed5i, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ph\u1ea3i x\u00e1c \u0111\u1ecbnh nh\u1eefng chi\u1ebfn l\u01b0\u1ee3c k\u1ef9 thu\u1eadt s\u1ed1 m\u00e0 h\u1ecd \u0111\u00e3 c\u00f3. T\u1eeb \u0111\u00f3, h\u1ecd c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u t\u00ecm ki\u1ebfm nh\u1eefng t\u00e0i n\u0103ng c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau c\u1ee7a m\u00ecnh. <\/span><span style=\"font-weight: 400;\">D\u01b0\u1edbi \u0111\u00e2y l\u00e0 3 y\u1ebfu t\u1ed1 ch\u00ednh \u0111\u1ec3 th\u00edch \u1ee9ng v\u1edbi xu h\u01b0\u1edbng ng\u00e2n h\u00e0ng s\u1ed1 n\u0103m 2023:<\/span><\/p>\n<h3><span id=\"Tim_doi_tac_tin_cay\"><b>T\u00ecm \u0111\u1ed1i t\u00e1c tin c\u1eady<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">C\u00e1c ng\u00e2n h\u00e0ng s\u1ebd c\u1ea7n h\u1ee3p t\u00e1c v\u1edbi c\u00e1c t\u00e0i n\u0103ng b\u00ean ngo\u00e0i. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c nh\u00e0 cung \u1ee9ng d\u1ecbch v\u1ee5 \u0111\u00e1m m\u00e2y, x\u00e2y d\u1ef1ng gi\u1ea3i ph\u00e1p AI,&#8230; T\u00ecm ki\u1ebfm c\u00e1c \u0111\u1ed1i t\u00e1c \u0111\u00e1ng tin c\u1eady v\u1edbi danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u1eefng ch\u1eafc v\u00e0 h\u1ed3 s\u01a1 theo d\u00f5i \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh.<\/span><\/p>\n<h3><span id=\"Nam_bat_su_hop_tac\"><b>N\u1eafm b\u1eaft s\u1ef1 h\u1ee3p t\u00e1c<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh mang \u0111\u1ebfn nh\u1eefng c\u01a1 h\u1ed9i tuy\u1ec7t v\u1eddi cho s\u1ef1 s\u00e1ng t\u1ea1o v\u00e0 h\u1ee3p t\u00e1c. N\u1eafm b\u1eaft v\u00e0 tri\u1ec3n khai c\u00e1c xu h\u01b0\u1edbng k\u1ef9 thu\u1eadt s\u1ed1 s\u1ebd gi\u00fap ph\u00e1t tri\u1ec3n nh\u00f3m theo \u0111\u00fang c\u00e1ch.<\/span><\/p>\n<h3><span id=\"Phat_trien_van_hoa_doi_moi\"><b>Ph\u00e1t tri\u1ec3n v\u0103n ho\u00e1 \u0111\u1ed5i m\u1edbi<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">C\u00e1c nh\u00e0 qu\u1ea3n tr\u1ecb c\u1ea7n c\u00f3 chi\u1ebfn l\u01b0\u1ee3c th\u00fac \u0111\u1ea9y nh\u00e2n vi\u00ean ph\u00e1t tri\u1ec3n k\u1ef9 n\u0103ng \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 v\u00e0o c\u00f4ng vi\u1ec7c. Vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 ho\u00e0n to\u00e0n m\u1edbi c\u1ea7n th\u1eddi gian \u0111\u1ec3 th\u00edch \u1ee9ng d\u1ea7n. K\u1ebf ho\u1ea1ch th\u00ed \u0111i\u1ec3m v\u00e0 \u0111\u00e0o t\u1ea1o c\u0169ng l\u00e0 m\u1ed9t trong nh\u1eefng \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i sang c\u00f4ng ngh\u1ec7 m\u1edbi.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span id=\"Ket_luan\"><b>K\u1ebft lu\u1eadn<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Trong 2023 v\u00e0 nh\u1eefng n\u0103m t\u1edbi, c\u00f4ng ngh\u1ec7 v\u1eabn l\u00e0 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng. Khi ph\u00e1t tri\u1ec3n s\u1ef1 hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc h\u01a1n v\u1ec1 c\u00e1c c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn, b\u1eaft bu\u1ed9c ph\u1ea3i ch\u00fa \u00fd \u0111\u1ebfn c\u00e1c xu h\u01b0\u1edbng k\u1ef9 thu\u1eadt s\u1ed1. <\/span><span style=\"font-weight: 400;\">T\u1ed5ng h\u1ee3p x\u00e1c xu h\u01b0\u1edbng ng\u00e2n h\u00e0ng ch\u00ednh c\u1ee7a n\u0103m 2023 l\u00e0:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0110i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D\u1ecbch v\u1ee5 qu\u1ea3n l\u00fd v\u00e0 t\u0103ng c\u01b0\u1eddng nh\u00e2n vi\u00ean<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o<\/span><\/li>\n<li aria-level=\"1\">Ng\u00e2n h\u00e0ng m\u1edf<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chi\u1ebfn l\u01b0\u1ee3c \u0111a k\u00eanh<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RPA<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">T\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng l\u00e0 c\u00f4ng ngh\u1ec7. N\u1eafm b\u1eaft xu h\u01b0\u1edbng l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft l\u00fac n\u00e0y \u0111\u1ec3 ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00e0nh c\u00f4ng.\u00a0<\/span><\/p>\n<h2><span id=\"Ve_EMAI\">V\u1ec1 EM&amp;AI<\/span><\/h2>\n<p>EM AND AI l\u00e0 c\u00f4ng ty ph\u00e1t tri\u1ec3n ph\u1ea7n m\u1ec1m v\u00e0 \u1ee9ng d\u1ee5ng \u0111i ti\u00ean phong trong vi\u1ec7c nghi\u00ean c\u1ee9u chuy\u00ean s\u00e2u c\u00f4ng ngh\u1ec7 ph\u00e2n t\u00edch ng\u00f4n ng\u1eef t\u1ef1 nhi\u00ean NLP ti\u1ebfng Vi\u1ec7t v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o AI. N\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u1edbi gi\u1ea3i ph\u00e1p AI to\u00e0n di\u1ec7n c\u1ee7a EM&amp;AI<br \/>\n? T\u00ecm hi\u1ec3u h\u1ec7 sinh th\u00e1i gi\u1ea3i ph\u00e1p EM&amp;AI th\u00eam Voicebot AI : <a href=\"https:\/\/emandai.net\/san-pham-dich-vu\">https:\/\/emandai.net\/san-pham-dich-vu<\/a>\/<br \/>\n? T\u01b0 v\u1ea5n tri\u1ec3n khai: <a href=\"https:\/\/emandai.net\/dat-lich-tu-van\">https:\/\/emandai.net\/dat-lich-tu-van<\/a><br \/>\n? Zalo \/ Hotline: 0903 533 725<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ng\u00e0nh ng\u00e2n h\u00e0ng &amp; t\u00e0i ch\u00ednh \u0111\u00e3 v\u00e0 \u0111ang tr\u1ea3i qua qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i&#8230;<\/p>\n","protected":false},"author":2,"featured_media":3979,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[348],"tags":[],"_links":{"self":[{"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/posts\/3978"}],"collection":[{"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/comments?post=3978"}],"version-history":[{"count":7,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/posts\/3978\/revisions"}],"predecessor-version":[{"id":3989,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/posts\/3978\/revisions\/3989"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/media\/3979"}],"wp:attachment":[{"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/media?parent=3978"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/categories?post=3978"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/tags?post=3978"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}