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nginx {"id":4742,"date":"2025-02-17T10:27:50","date_gmt":"2025-02-17T10:27:50","guid":{"rendered":"https:\/\/emandai.net\/blog\/?p=4742"},"modified":"2025-03-26T07:21:06","modified_gmt":"2025-03-26T07:21:06","slug":"ngan-hang-ai-xu-huong-tat-yeu-va-lo-trinh-chuyen-doi-thanh-cong","status":"publish","type":"post","link":"https:\/\/emandai.net\/blog\/vi\/ngan-hang-ai-xu-huong-tat-yeu-va-lo-trinh-chuyen-doi-thanh-cong\/","title":{"rendered":"Ng\u00e2n h\u00e0ng AI \u2013 Xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu v\u00e0 l\u1ed9 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i th\u00e0nh c\u00f4ng"},"content":{"rendered":"

V\u1ec1 nh\u1eefng xu h\u01b0\u1edbng c\u1ee7a ng\u00e2n h\u00e0ng AI<\/a> trong t\u01b0\u01a1ng lai – McKinsey v\u1eeba c\u00f4ng b\u1ed1 m\u1ed9t b\u00e1o c\u00e1o quan tr\u1ecdng v\u1ec1 c\u00e1ch th\u1ee9c chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh t\u1ed1i \u01b0u h\u00f3a ho\u1ea1t \u0111\u1ed9ng, n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 m\u1edf r\u1ed9ng quy m\u00f4 b\u1ec1n v\u1eefng b\u1eb1ng AI.\u00a0<\/span><\/p>\n

D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng \u0111i\u1ec3m m\u1ea5u ch\u1ed1t trong qu\u00e1 tr\u00ecnh tri\u1ec3n khai<\/span><\/p>\n

1<\/span> 1. Ng\u00e2n h\u00e0ng AI c\u1ea7n h\u1ed9i t\u1ee5 4 y\u1ebfu t\u1ed1 c\u1ed1t l\u00f5i<\/a><\/li>
2<\/span> 2. 4 chi\u1ebfn l\u01b0\u1ee3c gi\u00fap ng\u00e2n h\u00e0ng \u1ee9ng d\u1ee5ng AI th\u00e0nh c\u00f4ng<\/a><\/li>
3<\/span> 3. T\u00e1i c\u1ea5u tr\u00fac v\u1eadn h\u00e0nh \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a gi\u00e1 tr\u1ecb t\u1eeb AI<\/a><\/li>
4<\/span> 4. C\u00e1ch khai m\u1edf gi\u00e1 tr\u1ecb kinh doanh b\u1eb1ng AI<\/a><\/li>
5<\/span> 5. Ng\u00e2n h\u00e0ng AI c\u1ea7n m\u1ed9t h\u1ec7 sinh th\u00e1i n\u0103ng l\u1ef1c to\u00e0n di\u1ec7n<\/a><\/li>
6<\/span> 6. H\u1ec7 th\u1ed1ng \u0111a t\u00e1c nh\u00e2n (Multiagent Systems) \u2013 T\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng AI<\/a><\/li>
7<\/span> Li\u1ec7u t\u1ea5t c\u1ea3 ng\u00e2n h\u00e0ng c\u00f3 th\u00e0nh c\u00f4ng v\u1edbi AI?<\/a><\/li>
8<\/span> Ngu\u1ed3n<\/a><\/li><\/ul><\/div>\n
1. Ng\u00e2n h\u00e0ng AI<\/a> c\u1ea7n h\u1ed9i t\u1ee5 4 y\u1ebfu t\u1ed1 c\u1ed1t l\u00f5i<\/b><\/span><\/h2>\n
\u0110\u1ec3 v\u1eadn h\u00e0nh theo m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng AI<\/a>, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u1ea7n t\u1eadp trung v\u00e0o 4 kh\u00eda c\u1ea1nh quan tr\u1ecdng:<\/span><\/p>\n
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T\u00e1i \u0111\u1ecbnh h\u00ecnh tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng: C\u00e1 nh\u00e2n h\u00f3a d\u1ecbch v\u1ee5, t\u1ea1o h\u00e0nh tr\u00ecnh li\u1ec1n m\u1ea1ch v\u00e0 t\u1ed1i \u01b0u t\u01b0\u01a1ng t\u00e1c v\u1edbi kh\u00e1ch h\u00e0ng.<\/span><\/li>\n
\u1ee8ng d\u1ee5ng AI trong h\u1ed7 tr\u1ee3 ra quy\u1ebft \u0111\u1ecbnh: Gi\u00fap c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh ch\u00ednh x\u00e1c v\u00e0 nhanh ch\u00f3ng h\u01a1n.<\/span><\/li>\n
Hi\u1ec7n \u0111\u1ea1i h\u00f3a c\u00f4ng ngh\u1ec7 l\u00f5i: C\u1ea3i ti\u1ebfn h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 nh\u1eb1m t\u0103ng c\u01b0\u1eddng t\u00ednh b\u1ea3o m\u1eadt, t\u1ed1c \u0111\u1ed9 v\u00e0 kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng.<\/span><\/li>\n
Thi\u1ebft l\u1eadp m\u00f4 h\u00ecnh v\u1eadn h\u00e0nh n\u1ec1n t\u1ea3ng: \u0110\u1ecbnh h\u01b0\u1edbng l\u1ea1i quy tr\u00ecnh l\u00e0m vi\u1ec7c \u0111\u1ec3 AI c\u00f3 th\u1ec3 ph\u00e1t huy t\u1ed1i \u0111a gi\u00e1 tr\u1ecb.<\/span><\/li>\n<\/ul>\n
2. 4 chi\u1ebfn l\u01b0\u1ee3c gi\u00fap ng\u00e2n h\u00e0ng \u1ee9ng d\u1ee5ng AI th\u00e0nh c\u00f4ng<\/b><\/span><\/h2>\n
Nh\u1eefng ng\u00e2n h\u00e0ng ti\u00ean phong trong vi\u1ec7c \u1ee9ng d\u1ee5ng AI \u0111\u00e3 th\u1ef1c hi\u1ec7n t\u1ed1t 4 chi\u1ebfn l\u01b0\u1ee3c sau:<\/span><\/p>\n
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\u0110\u1ecbnh h\u01b0\u1edbng t\u1ea7m nh\u00ecn AI tr\u00ean to\u00e0n t\u1ed5 ch\u1ee9c: X\u00e2y d\u1ef1ng chi\u1ebfn l\u01b0\u1ee3c r\u00f5 r\u00e0ng v\u1ec1 c\u00e1ch AI s\u1ebd t\u1ea1o ra gi\u00e1 tr\u1ecb trong d\u00e0i h\u1ea1n.<\/span><\/li>\n
Chuy\u1ec3n \u0111\u1ed5i to\u00e0n b\u1ed9 quy tr\u00ecnh thay v\u00ec ch\u1ec9 tri\u1ec3n khai \u0111\u01a1n l\u1ebb: Kh\u00f4ng ch\u1ec9 t\u1eadp trung v\u00e0o t\u1eebng nghi\u1ec7p v\u1ee5 nh\u1ecf l\u1ebb, m\u00e0 c\u1ea7n c\u1ea3i t\u1ed5 to\u00e0n b\u1ed9 h\u00e0nh tr\u00ecnh kh\u00e1ch h\u00e0ng v\u00e0 quy tr\u00ecnh v\u1eadn h\u00e0nh.<\/span><\/li>\n
Ph\u00e1t tri\u1ec3n h\u1ec7 sinh th\u00e1i AI to\u00e0n di\u1ec7n: S\u1eed d\u1ee5ng h\u1ec7 th\u1ed1ng \u0111a t\u00e1c nh\u00e2n (multiagent systems) \u0111\u1ec3 t\u1ed1i \u01b0u t\u1ef1 \u0111\u1ed9ng h\u00f3a v\u00e0 n\u00e2ng cao hi\u1ec7u su\u1ea5t.<\/span><\/li>\n
Duy tr\u00ec v\u00e0 m\u1edf r\u1ed9ng gi\u00e1 tr\u1ecb AI: X\u00e2y d\u1ef1ng c\u00e1c y\u1ebfu t\u1ed1 n\u1ec1n t\u1ea3ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o AI kh\u00f4ng ch\u1ec9 l\u00e0 xu h\u01b0\u1edbng m\u00e0 tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n c\u1ed1t l\u00f5i c\u1ee7a doanh nghi\u1ec7p.<\/span><\/li>\n<\/ul>\n
3. T\u00e1i c\u1ea5u tr\u00fac v\u1eadn h\u00e0nh \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a gi\u00e1 tr\u1ecb t\u1eeb AI<\/b><\/span><\/h2>\n
\u0110\u1ec3 t\u1ed1i \u0111a h\u00f3a hi\u1ec7u qu\u1ea3 t\u1eeb chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 AI, c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u1ea7u t\u01b0 v\u00e0o 6 n\u0103ng l\u1ef1c tr\u1ecdng y\u1ebfu:<\/span><\/p>\n
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L\u1ed9 tr\u00ecnh s\u1ed1 h\u00f3a g\u1eafn li\u1ec1n v\u1edbi chi\u1ebfn l\u01b0\u1ee3c kinh doanh<\/span><\/li>\n
Ph\u00e1t tri\u1ec3n \u0111\u1ed9i ng\u0169 nh\u00e2n s\u1ef1 c\u00f3 k\u1ef9 n\u0103ng ph\u00f9 h\u1ee3p<\/span><\/li>\n
X\u00e2y d\u1ef1ng m\u00f4 h\u00ecnh v\u1eadn h\u00e0nh linh ho\u1ea1t<\/span><\/li>\n
C\u00f4ng ngh\u1ec7 d\u1ec5 d\u00e0ng s\u1eed d\u1ee5ng v\u00e0 tri\u1ec3n khai<\/span><\/li>\n
D\u1eef li\u1ec7u \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt li\u00ean t\u1ee5c v\u00e0 c\u00f3 th\u1ec3 truy xu\u1ea5t d\u1ec5 d\u00e0ng<\/span><\/li>\n
\u0110\u1ea9y m\u1ea1nh \u1ee9ng d\u1ee5ng v\u00e0 m\u1edf r\u1ed9ng quy m\u00f4 c\u00e1c gi\u1ea3i ph\u00e1p s\u1ed1<\/span><\/li>\n<\/ul>\n
4. C\u00e1ch khai m\u1edf gi\u00e1 tr\u1ecb kinh doanh b\u1eb1ng AI<\/b><\/span><\/h2>\n
\u0110\u1ec3 khai th\u00e1c t\u1ed1i \u0111a ti\u1ec1m n\u0103ng t\u1eeb AI, ng\u00e2n h\u00e0ng c\u1ea7n:<\/span><\/p>\n
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X\u00e1c \u0111\u1ecbnh ph\u1ea1m vi chuy\u1ec3n \u0111\u1ed5i ph\u00f9 h\u1ee3p: L\u1ef1a ch\u1ecdn c\u00e1c l\u0129nh v\u1ef1c quan tr\u1ecdng \u0111\u1ec3 c\u1ea3i t\u1ed5 to\u00e0n di\u1ec7n.<\/span><\/li>\n
\u01afu ti\u00ean c\u00e1c ph\u00e2n l\u0129nh v\u1ef1c quan tr\u1ecdng v\u00e0 x\u00e1c \u0111\u1ecbnh l\u1ed9 tr\u00ecnh tri\u1ec3n khai AI: T\u1eadn d\u1ee5ng AI \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a c\u00e1c quy tr\u00ecnh mang l\u1ea1i gi\u00e1 tr\u1ecb l\u1edbn nh\u1ea5t tr\u01b0\u1edbc.<\/span><\/li>\n<\/ul>\n
C\u00e1ch AI chuy\u1ec3n \u0111\u1ed5i Ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb (Retail Banking)<\/em><\/span><\/p>\n
$\"\"$ <\/p>\n
C\u00e1ch AI chuy\u1ec3n \u0111\u1ed5i Ng\u00e2n h\u00e0ng doanh nghi\u1ec7p\u00a0<\/em><\/span><\/p>\n
$\"\"$ <\/p>\n
5. Ng\u00e2n h\u00e0ng AI c\u1ea7n m\u1ed9t h\u1ec7 sinh th\u00e1i n\u0103ng l\u1ef1c to\u00e0n di\u1ec7n<\/b><\/span><\/h2>\n
M\u1ed9t ng\u00e2n h\u00e0ng AI kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o c\u00e1c m\u00f4 h\u00ecnh AI m\u00e0 c\u1ea7n x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i AI to\u00e0n di\u1ec7n v\u1edbi 4 t\u1ea7ng n\u0103ng l\u1ef1c:<\/span><\/p>\n
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T\u1ea7ng t\u01b0\u01a1ng t\u00e1c kh\u00e1ch h\u00e0ng: C\u00e1 nh\u00e2n h\u00f3a d\u1ecbch v\u1ee5, t\u1ed1i \u01b0u h\u00e0nh tr\u00ecnh kh\u00e1ch h\u00e0ng.<\/span><\/li>\n
T\u1ea7ng ra quy\u1ebft \u0111\u1ecbnh: S\u1eed d\u1ee5ng AI \u0111\u1ec3 ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c.<\/span><\/li>\n
T\u1ea7ng d\u1eef li\u1ec7u v\u00e0 c\u00f4ng ngh\u1ec7 l\u00f5i: \u0110\u1ea3m b\u1ea3o d\u1eef li\u1ec7u s\u1ea1ch, ch\u00ednh x\u00e1c v\u00e0 d\u1ec5 d\u00e0ng t\u00edch h\u1ee3p v\u1edbi h\u1ec7 th\u1ed1ng AI.<\/span><\/li>\n
T\u1ea7ng m\u00f4 h\u00ecnh v\u1eadn h\u00e0nh: \u0110i\u1ec1u ch\u1ec9nh c\u00e1ch t\u1ed5 ch\u1ee9c ho\u1ea1t \u0111\u1ed9ng \u0111\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a s\u1ee9c m\u1ea1nh AI.<\/span><\/li>\n<\/ul>\n
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AI Bank technology stacks<\/em><\/figcaption><\/figure>\n
6. H\u1ec7 th\u1ed1ng \u0111a t\u00e1c nh\u00e2n (Multiagent Systems) \u2013 T\u01b0\u01a1ng lai c\u1ee7a ng\u00e2n h\u00e0ng AI<\/b><\/span><\/h2>\n
H\u1ec7 th\u1ed1ng \u0111a t\u00e1c nh\u00e2n (multiagent systems) l\u00e0 m\u1ed9t trong nh\u1eefng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn v\u00e0 ti\u1ec1m n\u0103ng nh\u1ea5t trong vi\u1ec7c tri\u1ec3n khai AI hi\u1ec7u qu\u1ea3, \u0111\u1eb7c bi\u1ec7t trong ng\u00e0nh ng\u00e2n h\u00e0ng. C\u00f4ng ngh\u1ec7 n\u00e0y gi\u00fap t\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy\u1ebft \u0111\u1ecbnh v\u00e0 quy tr\u00ecnh ph\u1ee9c t\u1ea1p, \u0111em l\u1ea1i hi\u1ec7u qu\u1ea3 cao v\u00e0 t\u1ed1i \u01b0u h\u00f3a nhi\u1ec1u kh\u00eda c\u1ea1nh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e2n h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u00fd do l\u00fd gi\u1ea3i v\u00ec sao h\u1ec7 th\u1ed1ng \u0111a t\u00e1c nh\u00e2n l\u1ea1i tr\u1edf th\u00e0nh c\u00f4ng c\u1ee5 chi\u1ebfn l\u01b0\u1ee3c quan tr\u1ecdng:<\/p>\n
T\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c quy\u1ebft \u0111\u1ecbnh v\u00e0 quy tr\u00ecnh ph\u1ee9c t\u1ea1p: <\/strong>
\nV\u1edbi kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng AI \u0111\u1ec3 ph\u00e2n t\u00edch v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh t\u1ef1 \u0111\u1ed9ng, h\u1ec7 th\u1ed1ng \u0111a t\u00e1c nh\u00e2n gi\u00fap gi\u1ea3m thi\u1ec3u sai s\u00f3t v\u00e0 t\u0103ng t\u1ed1c c\u00e1c quy tr\u00ecnh trong ng\u00e2n h\u00e0ng. Thay v\u00ec ph\u1ea3i d\u1ef1a v\u00e0o c\u00e1c quy\u1ebft \u0111\u1ecbnh th\u1ee7 c\u00f4ng, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng h\u00f3a nh\u1eefng quy tr\u00ecnh ph\u1ee9c t\u1ea1p nh\u01b0 x\u00e9t duy\u1ec7t t\u00edn d\u1ee5ng, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro ho\u1eb7c ph\u00e2n t\u00edch giao d\u1ecbch, gi\u00fap ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 n\u00e2ng cao \u0111\u1ed9 ch\u00ednh x\u00e1c.<\/p>\n
X\u00e2y d\u1ef1ng \u0111\u1ed9i ng\u0169 “nh\u00e2n vi\u00ean s\u1ed1 AI”: <\/strong>
\nM\u1ed9t trong nh\u1eefng \u01b0u \u0111i\u1ec3m l\u1edbn c\u1ee7a h\u1ec7 th\u1ed1ng \u0111a t\u00e1c nh\u00e2n l\u00e0 kh\u1ea3 n\u0103ng t\u1ea1o ra m\u1ed9t \u0111\u1ed9i ng\u0169 “nh\u00e2n vi\u00ean s\u1ed1” \u2013 c\u00e1c t\u00e1c nh\u00e2n AI c\u00f3 th\u1ec3 \u0111\u1ea3m nh\u1eadn t\u1eebng nhi\u1ec7m v\u1ee5 c\u1ee5 th\u1ec3 trong quy tr\u00ecnh ng\u00e2n h\u00e0ng. M\u1ed7i t\u00e1c nh\u00e2n AI n\u00e0y c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c m\u1ed9t c\u00e1ch \u0111\u1ed9c l\u1eadp nh\u01b0ng c\u0169ng c\u00f3 th\u1ec3 ph\u1ed1i h\u1ee3p v\u1edbi c\u00e1c t\u00e1c nh\u00e2n kh\u00e1c \u0111\u1ec3 ho\u00e0n th\u00e0nh c\u00e1c nhi\u1ec7m v\u1ee5 ph\u1ee9c t\u1ea1p h\u01a1n. H\u1ec7 th\u1ed1ng n\u00e0y kh\u00f4ng ch\u1ec9 t\u0103ng n\u0103ng su\u1ea5t m\u00e0 c\u00f2n gi\u00fap ng\u00e2n h\u00e0ng linh ho\u1ea1t h\u01a1n trong vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 n\u1ea3y sinh trong ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y.<\/p>\n
\u1ee8ng d\u1ee5ng AI trong ng\u00e2n h\u00e0ng \u2013 V\u00ed d\u1ee5 th\u1ef1c t\u1ebf: <\/strong>
\nC\u00e1c \u1ee9ng d\u1ee5ng th\u1ef1c t\u1ebf c\u1ee7a h\u1ec7 th\u1ed1ng \u0111a t\u00e1c nh\u00e2n trong ng\u00e2n h\u00e0ng \u0111\u00e3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u1ea3 n\u0103ng t\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh v\u00e0 mang l\u1ea1i hi\u1ec7u qu\u1ea3 cao:<\/p>\n
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Chu\u1ea9n b\u1ecb b\u00e1o c\u00e1o t\u00edn d\u1ee5ng**: AI c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng t\u1ea1o ra c\u00e1c b\u00e1o c\u00e1o t\u00edn d\u1ee5ng, gi\u00fap ng\u00e2n h\u00e0ng t\u0103ng n\u0103ng su\u1ea5t l\u00ean \u0111\u1ebfn **20%-60%** v\u00e0 gi\u1ea3m th\u1eddi gian ra quy\u1ebft \u0111\u1ecbnh t\u00edn d\u1ee5ng **30%**. Nh\u1edd \u0111\u00f3, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3, \u0111\u1ed3ng th\u1eddi gi\u1ea3m thi\u1ec3u l\u1ed7i do con ng\u01b0\u1eddi g\u00e2y ra.<\/li>\n
**Nh\u1eafc h\u1ea1n thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng**: V\u1edbi h\u1ec7 th\u1ed1ng \u0111a t\u00e1c nh\u00e2n, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng g\u1eedi th\u00f4ng b\u00e1o nh\u1eafc nh\u1edf v\u1ec1 h\u1ea1n thanh to\u00e1n cho kh\u00e1ch h\u00e0ng, t\u1eeb \u0111\u00f3 t\u0103ng kh\u1ea3 n\u0103ng thu h\u1ed3i n\u1ee3 v\u00e0 n\u00e2ng cao n\u0103ng su\u1ea5t l\u00e0m vi\u1ec7c c\u1ee7a nh\u00e2n vi\u00ean l\u00ean **70%-80%**.<\/li>\n
**C\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 t\u1ed1i \u01b0u hi\u1ec7u su\u1ea5t l\u00e0m vi\u1ec7c**: C\u00e1c t\u00e1c nh\u00e2n AI c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 ch\u00ednh x\u00e1c, t\u1eeb vi\u1ec7c tr\u1ea3 l\u1eddi c\u00e1c c\u00e2u h\u1ecfi \u0111\u01a1n gi\u1ea3n cho \u0111\u1ebfn h\u1ed7 tr\u1ee3 c\u00e1c y\u00eau c\u1ea7u ph\u1ee9c t\u1ea1p, gi\u00fap n\u00e2ng cao s\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110\u1ed3ng th\u1eddi, vi\u1ec7c t\u1ef1 \u0111\u1ed9ng h\u00f3a nhi\u1ec1u quy tr\u00ecnh c\u0169ng gi\u00fap nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng t\u1eadp trung v\u00e0o c\u00e1c nhi\u1ec7m v\u1ee5 quan tr\u1ecdng h\u01a1n, n\u00e2ng cao hi\u1ec7u su\u1ea5t c\u00f4ng vi\u1ec7c.<\/li>\n<\/ul>\n
Nh\u01b0 v\u1eady, h\u1ec7 th\u1ed1ng \u0111a t\u00e1c nh\u00e2n kh\u00f4ng ch\u1ec9 gi\u00fap t\u1ed1i \u01b0u h\u00f3a c\u00e1c quy tr\u00ecnh n\u1ed9i b\u1ed9 m\u00e0 c\u00f2n c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng. Vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 n\u00e0y trong ng\u00e2n h\u00e0ng m\u1edf ra c\u01a1 h\u1ed9i \u0111\u1ec3 n\u00e2ng cao hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, gi\u1ea3m thi\u1ec3u chi ph\u00ed v\u00e0 duy tr\u00ec s\u1ef1 c\u1ea1nh tranh trong th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh ng\u00e0y c\u00e0ng ph\u00e1t tri\u1ec3n.<\/p>\n
Li\u1ec7u t\u1ea5t c\u1ea3 ng\u00e2n h\u00e0ng c\u00f3 th\u00e0nh c\u00f4ng v\u1edbi AI?<\/b><\/span><\/h2>\n
Kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng c\u00f3 th\u1ec3 \u1ee9ng d\u1ee5ng AI th\u00e0nh c\u00f4ng ngay l\u1eadp t\u1ee9c. Tuy nhi\u00ean, nh\u1eefng t\u1ed5 ch\u1ee9c ti\u00ean phong v\u00e0 cam k\u1ebft \u0111\u1ea7u t\u01b0 b\u00e0i b\u1ea3n s\u1ebd m\u1edf ra c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng quy m\u00f4 l\u1edbn, t\u1ed1i \u01b0u h\u00f3a chi ph\u00ed v\u00e0 mang l\u1ea1i gi\u00e1 tr\u1ecb b\u1ec1n v\u1eefng trong d\u00e0i h\u1ea1n.<\/span><\/p>\n
Xem th\u00eam: C\u00c1C \u1ee8NG D\u1ee4NG AI TRONG T\u00c0I CH\u00cdNH \u2013 NG\u00c2N H\u00c0NG<\/a><\/p>\n
Ngu\u1ed3n<\/span><\/h2>\n
McKinsey & Company. (2025, December 9). Extracting value from AI in banking: Rewiring the enterprise. McKinsey & Company. Retrieved February 17, 2025, from https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/extracting-value-from-ai-in-banking-rewiring-the-enterprise<\/a><\/span><\/p>\n
\u1ee9ng d\u1ee5ng ai ng\u00e2n h\u00e0ng\u00a0<\/span><\/p>\n
\u270d\ufe0f T\u00f3m t\u1eaft b\u1edfi: Panagiotis Kriaris<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"
V\u1ec1 nh\u1eefng xu h\u01b0\u1edbng c\u1ee7a ng\u00e2n h\u00e0ng AI trong t\u01b0\u01a1ng lai – McKinsey v\u1eeba c\u00f4ng…<\/p>\n","protected":false},"author":2,"featured_media":4746,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[348,483],"tags":[903,395],"_links":{"self":[{"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/posts\/4742"}],"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=4742"}],"version-history":[{"count":3,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/posts\/4742\/revisions"}],"predecessor-version":[{"id":4780,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/posts\/4742\/revisions\/4780"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/media\/4746"}],"wp:attachment":[{"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/media?parent=4742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/categories?post=4742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/tags?post=4742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}