{"id":4773,"date":"2025-03-26T04:03:35","date_gmt":"2025-03-26T04:03:35","guid":{"rendered":"https:\/\/emandai.net\/blog\/?p=4773"},"modified":"2025-07-08T02:38:53","modified_gmt":"2025-07-08T02:38:53","slug":"cac-ung-dung-ai-trong-tai-chinh-ngan-hang","status":"publish","type":"post","link":"https:\/\/emandai.net\/blog\/vi\/cac-ung-dung-ai-trong-tai-chinh-ngan-hang\/","title":{"rendered":"C\u00c1C \u1ee8NG D\u1ee4NG AI TRONG T\u00c0I CH\u00cdNH &#8211; NG\u00c2N H\u00c0NG"},"content":{"rendered":"<p><a href=\"https:\/\/emandai.net\/vi\/tai-chinh-ngan-hang\/\"><span style=\"font-weight: 400;\">\u1ee8ng d\u1ee5ng AI trong t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng <\/span><\/a><b><i>gi\u00fap gi\u1ea3i quy\u1ebft \u201cc\u00e1c v\u1ea5n \u0111\u1ec1\u201d v\u1ec1 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng, r\u1ee7i ro gian l\u1eadn &amp; nhi\u1ec1u v\u1ea5n \u0111\u1ec1 kh\u00e1c.<\/i><\/b><span style=\"font-weight: 400;\"> B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y s\u1ebd \u0111i c\u1ee5 th\u1ec3 h\u01a1n v\u1ec1 gi\u00e1 tr\u1ecb &amp; \u1ee9ng d\u1ee5ng th\u1ef1c t\u1ebf c\u1ee7a AI trong l\u0129nh v\u1ef1c \u0111\u1ea7y n\u0103ng \u0111\u1ed9ng n\u00e0y.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\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=\"#Loi_ich_cua_ung_dung_AI_trong_tai_chinh_ngan_hang\"><span class=\"toc_number toc_depth_1\">1<\/span> L\u1ee3i \u00edch c\u1ee7a \u1ee9ng d\u1ee5ng AI trong t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/a><ul><li><a href=\"#Cai_thien_kha_nang_ra_quyet_dinh\"><span class=\"toc_number toc_depth_2\">1.1<\/span> C\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ra quy\u1ebft \u0111\u1ecbnh<\/a><\/li><li><a href=\"#Nang_cao_trai_nghiem_khach_hang\"><span class=\"toc_number toc_depth_2\">1.2<\/span> N\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng<\/a><\/li><li><a href=\"#Gia_tang_hieu_suat_van_hanh\"><span class=\"toc_number toc_depth_2\">1.3<\/span> Gia t\u0103ng hi\u1ec7u su\u1ea5t v\u1eadn h\u00e0nh<\/a><\/li><li><a href=\"#Tang_cuong_bao_mat\"><span class=\"toc_number toc_depth_2\">1.4<\/span> T\u0103ng c\u01b0\u1eddng b\u1ea3o m\u1eadt<\/a><\/li><li><a href=\"#Quan_ly_rui_ro_hieu_qua\"><span class=\"toc_number toc_depth_2\">1.5<\/span> Qu\u1ea3n l\u00fd r\u1ee7i ro hi\u1ec7u qu\u1ea3<\/a><\/li><li><a href=\"#Giam_sat_chat_luong_tu_dong\"><span class=\"toc_number toc_depth_2\">1.6<\/span> Gi\u00e1m s\u00e1t ch\u1ea5t l\u01b0\u1ee3ng t\u1ef1 \u0111\u1ed9ng<\/a><\/li><\/ul><\/li><li><a href=\"#Nhung_ung_dung_quan_trong_cua_AI_trong_tai_chinh_ngan_hang\"><span class=\"toc_number toc_depth_1\">2<\/span> Nh\u1eefng \u1ee9ng d\u1ee5ng quan tr\u1ecdng c\u1ee7a AI trong t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/a><ul><li><a href=\"#1_Ung_dung_AI_trong_cham_diem_tin_dung_tham_dinh_khoan_vay\"><span class=\"toc_number toc_depth_2\">2.1<\/span> 1. \u1ee8ng d\u1ee5ng AI trong ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng &amp; th\u1ea9m \u0111\u1ecbnh kho\u1ea3n vay\u00a0<\/a><\/li><li><a href=\"#2_Tang_cuong_an_ninh_tai_chinh_voi_AI_trong_phat_hien_gian_lan\"><span class=\"toc_number toc_depth_2\">2.2<\/span> 2. T\u0103ng c\u01b0\u1eddng an ninh t\u00e0i ch\u00ednh v\u1edbi AI trong ph\u00e1t hi\u1ec7n gian l\u1eadn<\/a><\/li><li><a href=\"#3_Nhan_vien_so_AI_8211_cach_mang_hoa_tuong_tac_dich_vu_khach_hang\"><span class=\"toc_number toc_depth_2\">2.3<\/span> 3. Nh\u00e2n vi\u00ean s\u1ed1 AI &#8211; c\u00e1ch m\u1ea1ng ho\u00e1 t\u01b0\u01a1ng t\u00e1c &amp; d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng<\/a><\/li><li><a href=\"#4_Toi_uu_quy_trinh_thu_hoi_no\"><span class=\"toc_number toc_depth_2\">2.4<\/span> 4. T\u1ed1i \u01b0u quy tr\u00ecnh thu h\u1ed3i n\u1ee3\u00a0<\/a><\/li><li><a href=\"#5_Ung_dung_AI_trong_quan_ly_dau_tu\"><span class=\"toc_number toc_depth_2\">2.5<\/span> 5. \u1ee8ng d\u1ee5ng AI trong qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0<\/a><\/li><\/ul><\/li><li><a href=\"#Cac_ong_lon_tai_chinh_ngan_hang_dang_ung_dung_AI_nhu_the_nao\"><span class=\"toc_number toc_depth_1\">3<\/span> C\u00e1c \u00f4ng l\u1edbn t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111ang \u1ee9ng d\u1ee5ng AI nh\u01b0 th\u1ebf n\u00e0o?\u00a0<\/a><\/li><\/ul><\/div>\n<h2><span id=\"Loi_ich_cua_ung_dung_AI_trong_tai_chinh_ngan_hang\"><b>L\u1ee3i \u00edch c\u1ee7a <a href=\"https:\/\/emandai.net\/vi\/tai-chinh-ngan-hang\/\">\u1ee9ng d\u1ee5ng AI trong t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/a><\/b><\/span><\/h2>\n<p><a href=\"https:\/\/emandai.net\/blog\/vi\/cac-ung-dung-ai-trong-tai-chinh-ngan-hang\/#Loi_ich_cua_ung_dung_AI_trong_tai_chinh_ngan_hang\"><span style=\"text-decoration: underline;\">\u1ee8ng d\u1ee5ng AI trong t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng, gi\u00fap g\u00ec?<\/span><\/a>\u00a0 V\u1edbi nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m \u0111\u00e1p \u1ee9ng v\u1ec1 n\u0103ng su\u1ea5t, \u0111\u1ed9 ch\u00ednh x\u00e1c v\u00e0 kh\u1ea3 n\u0103ng x\u1eed l\u00fd d\u1eef li\u1ec7u l\u1edbn, AI \u0111ang \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng v\u00e0o h\u1ea7u h\u1ebft c\u00e1c nghi\u1ec7p v\u1ee5 t\u1eeb kh\u00e2u v\u1eadn h\u00e0nh, qu\u1ea3n tr\u1ecb \u0111\u1ebfn b\u00e1n h\u00e0ng v\u00e0 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng trong c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn t\u1ea1i Vi\u1ec7t Nam. C\u00e1c \u1ee9ng d\u1ee5ng AI trong t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng ph\u1ed5 bi\u1ebfn nh\u1ea5t hi\u1ec7n nay c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn nh\u01b0: \u0111\u1ecbnh danh kh\u00e1ch h\u00e0ng, ph\u00f2ng ch\u1ed1ng gian l\u1eadn trong giao d\u1ecbch,&#8230; D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng l\u1ee3i \u00edch c\u1ee5 th\u1ec3 h\u01a1n m\u00e0 AI mang l\u1ea1i khi \u1ee9ng d\u1ee5ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng.<\/p>\n<h3><span id=\"Cai_thien_kha_nang_ra_quyet_dinh\"><b>C\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng ra quy\u1ebft \u0111\u1ecbnh<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Tr\u01b0\u1edbc \u0111\u00e2y, vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng th\u01b0\u1eddng g\u1eb7p c\u00e1c th\u00e1ch th\u1ee9c: x\u1eed l\u00fd d\u1eef li\u1ec7u ch\u1eadm, d\u1ec5 sai s\u00f3t,&#8230; AI gi\u00fap <\/span><b><i>x\u1eed l\u00fd &amp; ph\u00e2n t\u00edch l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u theo th\u1eddi gian th\u1ef1c<\/i><\/b><span style=\"font-weight: 400;\">, t\u1eeb \u0111\u00f3 ph\u00e1t hi\u1ec7n nhanh ch\u00f3ng c\u00e1c d\u1eef li\u1ec7u b\u1ea5t th\u01b0\u1eddng. \u0110i\u1ec1u n\u00e0y gi\u00fap ban l\u00e3nh \u0111\u1ea1o ra <\/span><b><i>quy\u1ebft \u0111\u1ecbnh nhanh h\u01a1n, kh\u00e1m ph\u00e1 c\u01a1 h\u1ed9i m\u1edbi v\u00e0 c\u1ea3i thi\u1ec7n l\u1ee3i nhu\u1eadn \u0111\u00e1ng k\u1ec3.<\/i><\/b><\/p>\n<h3><span id=\"Nang_cao_trai_nghiem_khach_hang\"><b>N\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">C\u00e1c gi\u1ea3i ph\u00e1p <\/span><b>tr\u1ee3 l\u00fd \u1ea3o, nh\u00e2n vi\u00ean s\u1ed1 &#8211; AI Chatbot, AI Voicebot (hay Callbot) <\/b><span style=\"font-weight: 400;\">\u0111ang thay \u0111\u1ed5i c\u00e1ch c\u00e1c ng\u00e2n h\u00e0ng cung c\u1ea5p d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng. <\/span><b><i>Nh\u01b0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 c\u00e1 nh\u00e2n h\u00f3a v\u00e0 ph\u1ea3n h\u1ed3i 24\/7.<\/i><\/b><span style=\"font-weight: 400;\"> S\u1ef1 \u0111\u1ed5i m\u1edbi n\u00e0y kh\u00f4ng ch\u1ec9 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng m\u00e0 c\u00f2n t\u0103ng m\u1ee9c \u0111\u1ed9 h\u00e0i l\u00f2ng, t\u1ea1o d\u1ef1ng l\u00f2ng trung th\u00e0nh l\u00e2u d\u00e0i v\u1edbi th\u01b0\u01a1ng hi\u1ec7u.<\/span><\/p>\n<h3><span id=\"Gia_tang_hieu_suat_van_hanh\"><b>Gia t\u0103ng hi\u1ec7u su\u1ea5t v\u1eadn h\u00e0nh<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u1ee8ng d\u1ee5ng AI<\/span><b><i> t\u1ef1 \u0111\u1ed9ng h\u00f3a 80-90% <\/i><\/b><span style=\"font-weight: 400;\">c\u00e1c t\u00e1c v\u1ee5 th\u1ee7 c\u00f4ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng. \u0110\u1eb7c bi\u1ec7t l\u00e0 \u1edf kh\u00e2u <\/span><b><i>\u0111\u1ea3m b\u1ea3o gi\u00e1m s\u00e1t ch\u1ea5t l\u01b0\u1ee3ng (Quality Insurance)<\/i><\/b><span style=\"font-weight: 400;\">, x\u00e9t duy\u1ec7t kho\u1ea3n vay, ph\u00e1t hi\u1ec7n gian l\u1eadn, v.v . C\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng v\u00ec v\u1eady c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m h\u00e0ng t\u1ec9 \u0111\u1ed3ng chi ph\u00ed v\u1eadn h\u00e0nh, ngu\u1ed3n l\u1ef1c \u0111\u01b0\u1ee3c t\u1eadp trung v\u00e0o c\u00e1c nhi\u1ec7m v\u1ee5 gi\u00e1 tr\u1ecb cao h\u01a1n.<\/span><\/p>\n<h3><span id=\"Tang_cuong_bao_mat\"><b>T\u0103ng c\u01b0\u1eddng b\u1ea3o m\u1eadt<\/b><\/span><\/h3>\n<p><b><i>AI gi\u00e1m s\u00e1t giao d\u1ecbch theo th\u1eddi gian th\u1ef1c <\/i><\/b><span style=\"font-weight: 400;\">ph\u00e1t hi\u1ec7n v\u00e0 c\u1ea3nh b\u00e1o ngay l\u1eadp t\u1ee9c v\u1ec1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u00e1ng ng\u1edd, b\u1ea3o v\u1ec7 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng kh\u1ecfi c\u00e1c nguy c\u01a1 gian l\u1eadn v\u00e0 nh\u1eefng r\u1ee7i ro t\u00e0i ch\u00ednh ti\u1ec1m \u1ea9n.<\/span><\/p>\n<h3><span id=\"Quan_ly_rui_ro_hieu_qua\"><b>Qu\u1ea3n l\u00fd r\u1ee7i ro hi\u1ec7u qu\u1ea3<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">AI c\u00f3 th\u1ec3 ph\u00e2n t\u00edch nhi\u1ec1u ngu\u1ed3n d\u1eef li\u1ec7u kh\u00e1c nhau, bao g\u1ed3m h\u00e0nh vi kh\u00e1ch h\u00e0ng, xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng v\u00e0 ch\u1ec9 s\u1ed1 kinh t\u1ebf, \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c r\u1ee7i ro ti\u1ec1m \u1ea9n. Nh\u1edd \u0111\u00f3, c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 tri\u1ec3n khai c\u00e1c bi\u1ec7n ph\u00e1p ph\u00f2ng ng\u1eeba k\u1ecbp th\u1eddi, n\u00e2ng cao chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n l\u00fd r\u1ee7i ro, gi\u1ea3m thi\u1ec3u t\u1ef7 l\u1ec7 v\u1ee1 n\u1ee3 v\u00e0 b\u1ea3o v\u1ec7 danh m\u1ee5c \u0111\u1ea7u t\u01b0 hi\u1ec7u qu\u1ea3 h\u01a1n.<\/span><\/p>\n<h3><span id=\"Giam_sat_chat_luong_tu_dong\"><b>Gi\u00e1m s\u00e1t ch\u1ea5t l\u01b0\u1ee3ng t\u1ef1 \u0111\u1ed9ng<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">AI gi\u00e1m s\u00e1t ch\u1ea5t l\u01b0\u1ee3ng v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro t\u1ef1 \u0111\u1ed9ng, \u0111\u1ea3m b\u1ea3o s\u1ef1 tu\u00e2n th\u1ee7 nghi\u00eam ng\u1eb7t. \u0110i\u1ec1u n\u00e0y l\u00e0m gi\u1ea3m \u0111\u00e1ng k\u1ec3 th\u1eddi gian v\u00e0 chi ph\u00ed, gi\u1ea3m nguy c\u01a1 b\u1ecb ph\u1ea1t v\u00e0 n\u00e2ng cao hi\u1ec7u qu\u1ea3 tu\u00e2n th\u1ee7 t\u1ed5ng th\u1ec3.<\/span><\/p>\n<h2><span id=\"Nhung_ung_dung_quan_trong_cua_AI_trong_tai_chinh_ngan_hang\"><b>Nh\u1eefng \u1ee9ng d\u1ee5ng quan tr\u1ecdng c\u1ee7a AI trong t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/b><\/span><\/h2>\n<h3><span id=\"1_Ung_dung_AI_trong_cham_diem_tin_dung_tham_dinh_khoan_vay\"><b>1. \u1ee8ng d\u1ee5ng AI trong ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng &amp; th\u1ea9m \u0111\u1ecbnh kho\u1ea3n vay\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng l\u00e0 m\u1ed9t quy tr\u00ecnh quan tr\u1ecdng trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh. V\u00e0 AI \u0111\u00e3 mang \u0111\u1ebfn nh\u1eefng c\u1ea3i ti\u1ebfn v\u01b0\u1ee3t b\u1eadc. Th\u00f4ng qua vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng, AI h\u1ed7 tr\u1ee3 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro t\u00edn d\u1ee5ng ch\u00ednh x\u00e1c h\u01a1n, gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cho vay ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro n\u1ee3 x\u1ea5u. AI c\u0169ng h\u1ed7 tr\u1ee3 \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t kho\u1ea3n vay qua nh\u1edd r\u00fat ng\u1eafn th\u1eddi gian g\u1ecdi th\u1ea9m \u0111\u1ecbnh b\u1eb1ng c\u00f4ng ngh\u1ec7 AI g\u1ecdi t\u1ef1 \u0111\u1ed9ng.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng<\/b><\/td>\n<td><b>\u1ee8ng d\u1ee5ng AI\u00a0<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ph\u00e2n t\u00edch l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, h\u00e0nh vi t\u00e0i ch\u00ednh \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D\u1ef1 \u0111o\u00e1n r\u1ee7i ro t\u00edn d\u1ee5ng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u phi truy\u1ec1n th\u1ed1ng.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0110\u1ec1 xu\u1ea5t m\u1ee9c l\u00e3i su\u1ea5t v\u00e0 h\u1ea1n m\u1ee9c vay ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng kh\u00e1ch h\u00e0ng.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">X\u00e9t duy\u1ec7t kho\u1ea3n vay<\/span><\/td>\n<td><span style=\"font-weight: 400;\">AI Voicebot th\u1ea9m \u0111\u1ecbnh &#8211; t\u1ef1 \u0111\u1ed9ng g\u1ecdi th\u1ea9m \u0111\u1ecbnh, x\u00e1c minh &amp; \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><\/h3>\n<h3><span id=\"2_Tang_cuong_an_ninh_tai_chinh_voi_AI_trong_phat_hien_gian_lan\"><b>2. T\u0103ng c\u01b0\u1eddng an ninh t\u00e0i ch\u00ednh v\u1edbi AI trong ph\u00e1t hi\u1ec7n gian l\u1eadn<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">C\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh lu\u00f4n \u01b0u ti\u00ean ph\u00f2ng ch\u1ed1ng gian l\u1eadn. H\u00e0ng n\u0103m, c\u00e1c v\u1ee5 gian l\u1eadn nh\u01b0 \u0111\u00e1nh c\u1eafp danh t\u00ednh, gian l\u1eadn th\u1ebb t\u00edn d\u1ee5ng v\u00e0 r\u1eeda ti\u1ec1n g\u00e2y thi\u1ec7t h\u1ea1i l\u00ean \u0111\u1ebfn h\u00e0ng t\u1ef7 \u0111\u00f4 la. C\u00e1c thu\u1eadt to\u00e1n AI gi\u00fap ph\u00e1t hi\u1ec7n k\u1ecbp th\u1eddi c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u00e1ng ng\u1edd, t\u1eeb \u0111\u00f3 ng\u0103n ch\u1eb7n t\u1ed5n th\u1ea5t ti\u1ec1m \u1ea9n.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng<\/b><\/td>\n<td><b>\u1ee8ng d\u1ee5ng AI\u00a0<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ph\u00e1t hi\u1ec7n gian l\u1eadn &amp; B\u1ea3o m\u1eadt giao d\u1ecbch<\/span><\/td>\n<td><span style=\"font-weight: 400;\">&#8211; Ph\u00e1t hi\u1ec7n giao d\u1ecbch b\u1ea5t th\u01b0\u1eddng theo th\u1eddi gian th\u1ef1c.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211; X\u00e1c \u0111\u1ecbnh m\u00f4 h\u00ecnh gian l\u1eadn d\u1ef1a tr\u00ean h\u00e0nh vi giao d\u1ecbch.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">&#8211; C\u1ea3nh b\u00e1o s\u1edbm r\u1ee7i ro v\u00e0 \u0111\u1ec1 xu\u1ea5t bi\u1ec7n ph\u00e1p ng\u0103n ch\u1eb7n.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><\/h3>\n<h3><span id=\"3_Nhan_vien_so_AI_8211_cach_mang_hoa_tuong_tac_dich_vu_khach_hang\"><span style=\"font-weight: 400;\">3. <\/span><b>Nh\u00e2n vi\u00ean s\u1ed1 AI &#8211; c\u00e1ch m\u1ea1ng ho\u00e1 t\u01b0\u01a1ng t\u00e1c &amp; d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u1ee8ng d\u1ee5ng AI trong d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng c\u0169ng l\u00e0 m\u1ed9t \u1ee9ng d\u1ee5ng n\u1ed5i b\u1eadt. Kh\u00f4ng h\u1ec1 robot hay x\u1eed l\u00fd may m\u00f3c, Nh\u00e2n vi\u00ean s\u1ed1 AI \u0111\u00f3ng vai tr\u00f2 nh\u01b0 m\u1ed9t nh\u00e2n vi\u00ean th\u1ef1c th\u1ee5 c\u00f3 th\u1ec3 x\u1eed l\u00fd y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ef1 \u0111\u1ed9ng v\u00e0 \u0111\u1ec1 xu\u1ea5t c\u00e1 nh\u00e2n h\u00f3a. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng m\u00e0 c\u00f2n gi\u00fap gi\u1ea3m chi ph\u00ed v\u1eadn h\u00e0nh \u0111\u00e1ng k\u1ec3.<\/span><\/p>\n<p><a href=\"https:\/\/emandai.net\/vi\/tai-chinh-ngan-hang\/\"><span style=\"text-decoration: underline;\">Chatbot AI trong ng\u00e2n h\u00e0ng<\/span><\/a> l\u00e0 m\u1ed9t v\u00ed d\u1ee5 v\u1edbi m\u1ee9c \u0111\u1ed9 \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn v\u00e0 c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 24\/7. C\u00e1c chatbot n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p v\u1edbi \u1ee9ng d\u1ee5ng mobile banking, c\u00e1c k\u00eanh li\u00ean l\u1ea1c nh\u01b0 website hay fanpage,&#8230; \u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c nh\u00e2n vi\u00ean s\u1ed1 AI h\u1ed7 tr\u1ee3 qua k\u00eanh Chat. B\u00ean c\u1ea1nh \u0111\u00f3 c\u00f2n c\u00f3 h\u00ecnh th\u1ee9c nh\u00e2n vi\u00ean s\u1ed1 AI t\u01b0\u01a1ng t\u00e1c qua k\u00eanh voice hay AI Voicebot.<\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng<\/b><\/td>\n<td><b>C\u00e1c \u1ee9ng d\u1ee5ng AI trong th\u1ef1c t\u1ebf<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">D\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng 24\/7<\/span><\/td>\n<td><span style=\"font-weight: 400;\">AI chatbot \/ Ai Voicebot h\u1ed7 tr\u1ee3 24\/7 c\u00e1c y\u00eau c\u1ea7u th\u01b0\u1eddng g\u1eb7p<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ki\u1ec3m tra s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ki\u1ec3m tra t\u00ecnh tr\u1ea1ng giao d\u1ecbch.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u1eadp nh\u1eadt th\u00f4ng tin t\u00e0i kho\u1ea3n: th\u00f4ng tin c\u00e1 nh\u00e2n, thay \u0111\u1ed5i m\u1eadt kh\u1ea9u ho\u1eb7c PIN.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u1ed7 tr\u1ee3\u00a0 \u0111\u0103ng k\u00fd vay, cung c\u1ea5p th\u00f4ng tin v\u1ec1 c\u00e1c g\u00f3i vay.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u01b0\u1edbng d\u1eabn d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng nh\u01b0 th\u1ebb t\u00edn d\u1ee5ng, kho\u1ea3n vay, v.v.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">T\u01b0 v\u1ea5n t\u00e0i ch\u00ednh c\u01a1 b\u1ea3n, g\u1ee3i \u00fd s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ghi nh\u1eadn v\u00e0 ph\u00e2n lo\u1ea1i khi\u1ebfu n\u1ea1i, chuy\u1ec3n ti\u1ebfp \u0111\u1ebfn nh\u00e2n vi\u00ean x\u1eed l\u00fd.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><\/h3>\n<h3><span id=\"4_Toi_uu_quy_trinh_thu_hoi_no\"><b>4. T\u1ed1i \u01b0u quy tr\u00ecnh thu h\u1ed3i n\u1ee3\u00a0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u1ee8ng d\u1ee5ng AI gi\u00fap gi\u1ea3m thi\u1ec3u chi ph\u00ed, t\u0103ng t\u1ed1c \u0111\u1ed9 thu h\u1ed3i n\u1ee3 v\u00e0 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 c\u00e1ch AI c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c nghi\u1ec7p v\u1ee5 thu h\u1ed3i n\u1ee3:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng<\/b><\/td>\n<td><b>\u1ee8ng d\u1ee5ng AI\u00a0<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Ph\u00e2n t\u00edch &amp; d\u1ef1 \u0111o\u00e1n kh\u1ea3 n\u0103ng thanh to\u00e1n<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ph\u00e2n t\u00edch h\u00e0nh vi tr\u1ea3 n\u1ee3, ph\u00e2n lo\u1ea1i nh\u00f3m c\u00f3 kh\u1ea3 n\u0103ng thanh to\u00e1n cao\/th\u1ea5p<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ph\u00e2n nh\u00f3m theo m\u1ee9c \u0111\u1ed9 n\u1ee3 (v\u00ed d\u1ee5: n\u1ee3 ti\u1ec1m \u1ea9n, n\u1ee3 \u0111\u1ebfn h\u1ea1n, n\u1ee3 x\u1ea5u) \u0111\u1ec3 \u01b0u ti\u00ean x\u1eed l\u00fd n\u1ee3 hi\u1ec7u qu\u1ea3.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D\u1ef1 \u0111o\u00e1n kh\u1ea3 n\u0103ng thanh to\u00e1n n\u1ee3 c\u1ee7a t\u1eebng kh\u00e1ch h\u00e0ng<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Nh\u1eafc h\u1ea1n thanh to\u00e1n, thu h\u1ed3i n\u1ee3 t\u1ef1 \u0111\u1ed9ng<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">T\u1ea1o chi\u1ebfn d\u1ecbch g\u1ecdi thu h\u1ed3i n\u1ee3 theo nh\u00f3m (Nh\u1eafc tr\u01b0\u1edbc h\u1ea1n, Nh\u1eafc n\u1ee3 qu\u00e1 h\u1ea1n)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">G\u1ecdi \u0111i\u1ec7n thu h\u1ed3i n\u1ee3 t\u1ef1 \u0111\u1ed9ng (AI Voicebot) gi\u1ea3m t\u1ea3i cho nh\u00e2n vi\u00ean\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">T\u1ef1 \u0111\u1ed9ng c\u1eadp nh\u1eadt v\u00e0 theo d\u00f5i ti\u1ebfn \u0111\u1ed9 thu h\u1ed3i n\u1ee3 d\u1ec5 d\u00e0ng h\u01a1n<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><\/h3>\n<h3><span id=\"5_Ung_dung_AI_trong_quan_ly_dau_tu\"><b>5. \u1ee8ng d\u1ee5ng AI trong qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0<\/b><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">C\u00e1c thu\u1eadt to\u00e1n AI cung c\u1ea5p th\u00f4ng tin chuy\u00ean s\u00e2u gi\u00fap c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd \u0111\u1ea7u t\u01b0 x\u00e1c \u0111\u1ecbnh c\u01a1 h\u1ed9i ti\u1ec1m n\u0103ng c\u0169ng nh\u01b0 r\u1ee7i ro. Nh\u1edd \u0111\u00f3, nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh ch\u00ednh x\u00e1c h\u01a1n trong b\u1ed1i c\u1ea3nh th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh li\u00ean t\u1ee5c thay \u0111\u1ed5i.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Nghi\u1ec7p v\u1ee5 ng\u00e2n h\u00e0ng<\/b><\/td>\n<td><b>\u1ee8ng d\u1ee5ng AI\u00a0<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 &amp; D\u1ef1 b\u00e1o t\u00e0i ch\u00ednh<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ph\u00e2n t\u00edch xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng, d\u1ef1 \u0111o\u00e1n bi\u1ebfn \u0111\u1ed9ng gi\u00e1 c\u1ed5 phi\u1ebfu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0110\u1ec1 xu\u1ea5t danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n h\u00f3a theo kh\u1ea9u v\u1ecb r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u1ee8ng d\u1ee5ng AI trong c\u00e1c robo-advisors \u0111\u1ec3 t\u01b0 v\u1ea5n \u0111\u1ea7u t\u01b0 t\u1ef1 \u0111\u1ed9ng.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<h2><span id=\"Cac_ong_lon_tai_chinh_ngan_hang_dang_ung_dung_AI_nhu_the_nao\"><b>C\u00e1c \u00f4ng l\u1edbn t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111ang \u1ee9ng d\u1ee5ng AI nh\u01b0 th\u1ebf n\u00e0o?\u00a0<\/b><\/span><\/h2>\n<ol>\n<li><b>JPMorgan Chase<\/b><span style=\"font-weight: 400;\"> \u1ee9ng d\u1ee5ng AI v\u00e0o xem x\u00e9t c\u00e1c h\u1ee3p \u0111\u1ed3ng v\u1edbi <\/span><b>COiN (Contract Intelligence)<\/b><span style=\"font-weight: 400;\">. C\u1ee5 th\u1ec3, tr\u1ee3 l\u00fd n\u00e0y s\u1ebd ph\u00e2n t\u00edch c\u00e1c t\u00e0i li\u1ec7u ph\u00e1p l\u00fd &amp; \u0111\u01b0a ra c\u00e1c k\u1ebft qu\u1ea3 xem x\u00e9t c\u1ee5 th\u1ec3. T\u1eeb \u0111\u00f3, COIN \u0111\u00e3 gi\u00fap JPMorgan Chase gi\u1ea3m h\u00e0ng tri\u1ec7u \u0111\u00f4 la vi\u1ec7c ki\u1ec3m tra th\u1ee7 c\u00f4ng, c\u0169ng nh\u01b0 n\u00e2ng cao hi\u1ec7u qu\u1ea3 v\u1eadn h\u00e0nh.<\/span><\/li>\n<li><b>Mastercard<\/b><span style=\"font-weight: 400;\"> d\u1eabn \u0111\u1ea7u trong cu\u1ed9c chi\u1ebfn ch\u1ed1ng gian l\u1eadn nh\u1edd <\/span><b>Decision Intelligence<\/b><span style=\"font-weight: 400;\">. B\u1eb1ng c\u00e1ch ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng d\u1eef li\u1ec7u giao d\u1ecbch, AI \u0111\u00e3 ph\u00e1t hi\u1ec7n c\u00e1c m\u1eabu h\u00e0nh vi \u0111\u00e1ng ng\u1edd t\u1eeb \u0111\u00f3 gi\u1ea3m thi\u1ec3u \u0111\u00e1ng k\u1ec3 nguy c\u01a1 giao d\u1ecbch tr\u00e1i ph\u00e9p, \u0111\u1ea3m b\u1ea3o m\u1ed9t h\u1ec7 sinh th\u00e1i thanh to\u00e1n an to\u00e0n.\u00a0<\/span><\/li>\n<li><b>Bank of America<\/b><span style=\"font-weight: 400;\"> l\u00e0 ng\u00e2n h\u00e0ng ti\u00ean phong tri\u1ec3n khai AI Chatbot r\u1ea5t s\u1edbm v\u1edbi <\/span><b>Erica<\/b><span style=\"font-weight: 400;\">. \u0110\u00e2y l\u00e0 m\u1ed9t AI Chatbot \u0111\u00e3 gi\u00fap Bank of America th\u00e0nh c\u00f4ng mang \u0111\u1ebfn tr\u1ea3i nghi\u1ec7m \u201csi\u00eau c\u00e1 nh\u00e2n h\u00f3a\u201d. V\u1edbi c\u00f4ng ngh\u1ec7 X\u1eed l\u00fd Ng\u00f4n ng\u1eef T\u1ef1 nhi\u00ean (NLP), Erica c\u00f3 th\u1ec3 hi\u1ec3u y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u01b0a ra l\u1eddi t\u01b0 v\u1ea5n ph\u00f9 h\u1ee3p. M\u1ee9c \u0111\u1ed9 h\u00e0i l\u00f2ng kh\u00e1ch h\u00e0ng t\u0103ng cao, gi\u00fap c\u1ee7ng c\u1ed1 v\u1ecb th\u1ebf c\u1ee7a Bank of America.\u00a0<\/span><\/li>\n<li><b>Capital One<\/b><span style=\"font-weight: 400;\"> \u0111\u1ed5i m\u1edbi quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh kho\u1ea3n vay v\u1edbi <\/span><b>CreditWise<\/b><span style=\"font-weight: 400;\">. Qu\u00e1 tr\u00ecnh ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng ho\u00e1 sau khi AI ph\u00e2n t\u00edch d\u1eef li\u1ec7u t\u00edn d\u1ee5ng. Th\u1eddi gian th\u1ea9m \u0111\u1ecbnh \u0111\u01b0\u1ee3c r\u00fat ng\u1eafn, hi\u1ec7u qu\u1ea3 c\u0169ng t\u0103ng g\u1ea5p nhi\u1ec1u l\u1ea7n.\u00a0<\/span><\/li>\n<li><b>Wells Fargo<\/b><span style=\"font-weight: 400;\"> s\u1eed d\u1ee5ng <\/span><b>The Trifecta<\/b><span style=\"font-weight: 400;\"> &#8211; AI t\u0103ng c\u01b0\u1eddng, \u1ee9ng d\u1ee5ng machine learning \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh \u1ee7i ro ti\u1ec1m t\u00e0ng. K\u1ebft qu\u1ea3 l\u00e0 n\u0103ng l\u1ef1c qu\u1ea3n l\u00fd r\u1ee7i ro tr\u01b0\u1edbc c\u00e1c nguy c\u01a1 v\u1ee1 n\u1ee3 t\u1eeb c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay &amp; t\u00edn d\u1ee5ng \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3.\u00a0<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u1ee8ng d\u1ee5ng AI trong ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng \u0111\u00e1nh d\u1ea5u m\u1ed9t b\u01b0\u1edbc chuy\u1ec3n m\u00ecnh chi\u1ebfn l\u01b0\u1ee3c. V\u1edbi m\u1ee5c ti\u00eau t\u1ed1i \u01b0u h\u00f3a hi\u1ec7u su\u1ea5t, n\u00e2ng cao b\u1ea3o m\u1eadt v\u00e0 mang \u0111\u1ebfn tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng ho\u00e0n h\u1ea3o. Khi ch\u00fang ta b\u01b0\u1edbc v\u00e0o k\u1ef7 nguy\u00ean \u0111\u1ed5i m\u1edbi do AI d\u1eabn d\u1eaft, c\u01a1 h\u1ed9i ph\u00e1t tri\u1ec3n trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh tr\u1edf n\u00ean v\u00f4 c\u00f9ng r\u1ed9ng m\u1edf.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u1ee8ng d\u1ee5ng AI trong t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng gi\u00fap gi\u1ea3i quy\u1ebft \u201cc\u00e1c v\u1ea5n \u0111\u1ec1\u201d v\u1ec1&#8230;<\/p>\n","protected":false},"author":2,"featured_media":4774,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[348],"tags":[913,915],"_links":{"self":[{"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/posts\/4773"}],"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=4773"}],"version-history":[{"count":3,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/posts\/4773\/revisions"}],"predecessor-version":[{"id":4783,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/posts\/4773\/revisions\/4783"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/media\/4774"}],"wp:attachment":[{"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/media?parent=4773"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/categories?post=4773"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/emandai.net\/blog\/wp-json\/wp\/v2\/tags?post=4773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}