{"id":1057,"date":"2025-02-03T09:44:05","date_gmt":"2025-02-03T09:44:05","guid":{"rendered":"https:\/\/mobsaint.com\/?p=1057"},"modified":"2025-02-03T09:44:05","modified_gmt":"2025-02-03T09:44:05","slug":"fintechs-cach-cac-cong-ty-khoi-nghiep-cong-nghe-dang-chuyen-doi-linh-vuc-tai-chinh","status":"publish","type":"post","link":"https:\/\/mobsaint.com\/vi\/fintechs-como-as-startups-de-tecnologia-estao-transformando-o-setor-financeiro\/","title":{"rendered":"Fintechs: C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p c\u00f4ng ngh\u1ec7 \u0111ang chuy\u1ec3n \u0111\u1ed5i ng\u00e0nh t\u00e0i ch\u00ednh nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"<p>Ng\u00e0nh t\u00e0i ch\u00ednh \u0111\u00e3 tr\u1ea3i qua m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y nh\u1edd nh\u1eefng ti\u1ebfn b\u1ed9 trong c\u00f4ng ngh\u1ec7 v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh. Nh\u1eefng c\u00f4ng ty kh\u1edfi nghi\u1ec7p s\u00e1ng t\u1ea1o n\u00e0y \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i c\u00e1ch m\u1ecdi ng\u01b0\u1eddi v\u00e0 doanh nghi\u1ec7p x\u1eed l\u00fd c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, gi\u00fap giao d\u1ecbch nhanh h\u01a1n, d\u1ec5 ti\u1ebfp c\u1eadn h\u01a1n v\u00e0 c\u00e1 nh\u00e2n h\u00f3a h\u01a1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fintech l\u00e0 g\u00ec?<\/h3>\n\n\n\n<p>Thu\u1eadt ng\u1eef \u201cfintech\u201d l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a \u201ct\u00e0i ch\u00ednh\u201d v\u00e0 \u201cc\u00f4ng ngh\u1ec7\u201d. Fintech l\u00e0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh s\u00e1ng t\u1ea1o, t\u1eeb thanh to\u00e1n v\u00e0 t\u00edn d\u1ee5ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ebfn \u0111\u1ea7u t\u01b0 v\u00e0 ti\u1ec1n \u0111i\u1ec7n t\u1eed. C\u00e1c c\u00f4ng ty n\u00e0y th\u00e1ch th\u1ee9c c\u00e1c m\u00f4 h\u00ecnh truy\u1ec1n th\u1ed1ng c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, th\u00fac \u0111\u1ea9y tr\u1ea3i nghi\u1ec7m linh ho\u1ea1t v\u00e0 d\u1ec5 ti\u1ebfp c\u1eadn h\u01a1n cho ng\u01b0\u1eddi d\u00f9ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1c ph\u00e2n kh\u00fac ch\u00ednh c\u1ee7a Fintech<\/h3>\n\n\n\n<p>C\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh ho\u1ea1t \u0111\u1ed9ng \u1edf nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nhau c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh. M\u1ed9t s\u1ed1 danh m\u1ee5c ch\u00ednh bao g\u1ed3m:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Thanh to\u00e1n v\u00e0 giao d\u1ecbch k\u1ef9 thu\u1eadt s\u1ed1<\/strong>\n<ul class=\"wp-block-list\">\n<li>C\u00e1c c\u00f4ng ty nh\u01b0 PayPal, Stripe v\u00e0 PicPay t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho vi\u1ec7c thanh to\u00e1n t\u1ee9c th\u1eddi v\u00e0 giao d\u1ecbch d\u1ec5 d\u00e0ng.<\/li>\n\n\n\n<li>V\u00ed \u0111i\u1ec7n t\u1eed v\u00e0 m\u00e3 QR gi\u00fap lo\u1ea1i b\u1ecf nhu c\u1ea7u s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t v\u00e0 gi\u00fap thanh to\u00e1n an to\u00e0n h\u01a1n.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>T\u00edn d\u1ee5ng v\u00e0 Cho vay<\/strong>\n<ul class=\"wp-block-list\">\n<li>C\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 Nubank v\u00e0 Creditas cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00edn d\u1ee5ng kh\u00f4ng c\u1ea7n th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh, s\u1eed d\u1ee5ng ph\u00e2n t\u00edch d\u1eef li\u1ec7u \u0111\u1ec3 t\u00f9y ch\u1ec9nh l\u00e3i su\u1ea5t v\u00e0 \u0111i\u1ec1u ki\u1ec7n.<\/li>\n\n\n\n<li>M\u00f4 h\u00ecnh cho vay ngang h\u00e0ng cho ph\u00e9p m\u1ecdi ng\u01b0\u1eddi cho nhau vay ti\u1ec1n tr\u1ef1c ti\u1ebfp m\u00e0 kh\u00f4ng c\u1ea7n th\u00f4ng qua trung gian truy\u1ec1n th\u1ed1ng.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0110\u1ea7u t\u01b0 v\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh<\/strong>\n<ul class=\"wp-block-list\">\n<li>C\u00e1c \u1ee9ng d\u1ee5ng nh\u01b0 Robinhood, XP Investimentos v\u00e0 Rico \u0111\u00e3 d\u00e2n ch\u1ee7 h\u00f3a quy\u1ec1n truy c\u1eadp v\u00e0o th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh, cho ph\u00e9p b\u1ea5t k\u1ef3 ai c\u0169ng c\u00f3 th\u1ec3 \u0111\u1ea7u t\u01b0 ch\u1ec9 b\u1eb1ng v\u00e0i c\u00fa nh\u1ea5p chu\u1ed9t.<\/li>\n\n\n\n<li>C\u00e1c c\u00f4ng c\u1ee5 gi\u00e1o d\u1ee5c t\u00e0i ch\u00ednh gi\u00fap ng\u01b0\u1eddi d\u00f9ng \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t h\u01a1n v\u1ec1 kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Ti\u1ec1n \u0111i\u1ec7n t\u1eed v\u00e0 Blockchain<\/strong>\n<ul class=\"wp-block-list\">\n<li>C\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh nh\u01b0 Binance v\u00e0 Coinbase \u0111ang c\u00e1ch m\u1ea1ng h\u00f3a c\u00e1ch th\u1ee9c th\u1ef1c hi\u1ec7n giao d\u1ecbch t\u00e0i ch\u00ednh th\u00f4ng qua c\u00f4ng ngh\u1ec7 blockchain.<\/li>\n\n\n\n<li>Ti\u1ec1n \u0111i\u1ec7n t\u1eed cung c\u1ea5p gi\u1ea3i ph\u00e1p thay th\u1ebf phi t\u1eadp trung cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng, gi\u00fap gi\u1ea3m chi ph\u00ed v\u00e0 t\u0103ng c\u01b0\u1eddng b\u1ea3o m\u1eadt.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m s\u1ed1 (Insurtechs)<\/strong>\n<ul class=\"wp-block-list\">\n<li>C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p nh\u01b0 Youse v\u00e0 Thinkseg s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 t\u00f9y ch\u1ec9nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u01a1n gi\u1ea3n h\u00f3a c\u00e1c quy tr\u00ecnh h\u00e0nh ch\u00ednh.<\/li>\n\n\n\n<li>C\u00e1c m\u00f4 h\u00ecnh d\u1ef1a tr\u00ean d\u1eef li\u1ec7u cung c\u1ea5p m\u1ee9c gi\u00e1 c\u00f4ng b\u1eb1ng v\u00e0 ph\u1ea3i ch\u0103ng h\u01a1n cho kh\u00e1ch h\u00e0ng.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">L\u1ee3i \u00edch c\u1ee7a Fintech<\/h3>\n\n\n\n<p>S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh n\u00f3i chung:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kh\u1ea3 n\u0103ng truy c\u1eadp:<\/strong> Nh\u1eefng ng\u01b0\u1eddi tr\u01b0\u1edbc \u0111\u00e2y kh\u00f4ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng gi\u1edd \u0111\u00e2y c\u00f3 th\u1ec3 tin t\u01b0\u1edfng v\u00e0o c\u00e1c gi\u1ea3i ph\u00e1p k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01a1n gi\u1ea3n v\u00e0 hi\u1ec7u qu\u1ea3.<\/li>\n\n\n\n<li><strong>\u00cdt quan li\u00eau h\u01a1n:<\/strong> C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh lo\u1ea1i b\u1ecf c\u00e1c quy tr\u00ecnh truy\u1ec1n th\u1ed1ng t\u1ed1n th\u1eddi gian, cho ph\u00e9p ph\u00ea duy\u1ec7t kho\u1ea3n t\u00edn d\u1ee5ng v\u00e0 t\u00e0i kho\u1ea3n nhanh ch\u00f3ng.<\/li>\n\n\n\n<li><strong>Gi\u1ea3m chi ph\u00ed:<\/strong> M\u1ee9c l\u00e3i su\u1ea5t do c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh t\u00ednh th\u01b0\u1eddng th\u1ea5p h\u01a1n m\u1ee9c l\u00e3i su\u1ea5t do c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng t\u00ednh.<\/li>\n\n\n\n<li><strong>C\u00e1 nh\u00e2n h\u00f3a:<\/strong> Vi\u1ec7c s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u gi\u00fap cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cho t\u1eebng ng\u01b0\u1eddi d\u00f9ng.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Th\u00e1ch th\u1ee9c c\u1ee7a Fintech<\/h3>\n\n\n\n<p>M\u1eb7c d\u00f9 t\u0103ng tr\u01b0\u1edfng nhanh, fintech c\u0169ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u00e1ng k\u1ec3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Quy \u0111\u1ecbnh:<\/strong> S\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p n\u00e0y \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 c\u00e1c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n v\u00e0 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/li>\n\n\n\n<li><strong>C\u1ea1nh tranh v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng:<\/strong> M\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng \u0111ang \u00e1p d\u1ee5ng nh\u1eefng \u0111\u1ed5i m\u1edbi \u0111\u1ec3 c\u1ea1nh tranh v\u1edbi c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh.<\/li>\n\n\n\n<li><strong>An ninh m\u1ea1ng:<\/strong> V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c giao d\u1ecbch k\u1ef9 thu\u1eadt s\u1ed1, m\u1ed1i lo ng\u1ea1i v\u1ec1 gian l\u1eadn v\u00e0 t\u1ea5n c\u00f4ng m\u1ea1ng c\u0169ng gia t\u0103ng.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">T\u01b0\u01a1ng lai c\u1ee7a Fintech<\/h3>\n\n\n\n<p>Ng\u00e0nh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh d\u1ef1 ki\u1ebfn s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n trong nh\u1eefng n\u0103m t\u1edbi, v\u1edbi c\u00e1c xu h\u01b0\u1edbng nh\u01b0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ng\u00e2n h\u00e0ng m\u1edf:<\/strong> Chia s\u1ebb d\u1eef li\u1ec7u gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u1ec3 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 c\u00e1 nh\u00e2n h\u00f3a h\u01a1n.<\/li>\n\n\n\n<li><strong>Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o:<\/strong> S\u1eed d\u1ee5ng thu\u1eadt to\u00e1n ti\u00ean ti\u1ebfn \u0111\u1ec3 d\u1ef1 \u0111o\u00e1n h\u00e0nh vi t\u00e0i ch\u00ednh v\u00e0 t\u1ed1i \u01b0u h\u00f3a d\u1ecbch v\u1ee5.<\/li>\n\n\n\n<li><strong>M\u1edf r\u1ed9ng sang c\u00e1c th\u1ecb tr\u01b0\u1eddng m\u1edbi:<\/strong> C\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh \u0111ang m\u1edf r\u1ed9ng sang c\u00e1c khu v\u1ef1c m\u1edbi n\u1ed5i, th\u00fac \u0111\u1ea9y h\u00f2a nh\u1eadp t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ph\u1ea7n k\u1ebft lu\u1eadn<\/h3>\n\n\n\n<p>C\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh \u0111ang thay \u0111\u1ed5i s\u00e2u s\u1eafc l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p d\u1ec5 ti\u1ebfp c\u1eadn, linh ho\u1ea1t v\u00e0 s\u00e1ng t\u1ea1o h\u01a1n. V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00e0 vi\u1ec7c \u00e1p d\u1ee5ng ng\u00e0y c\u00e0ng nhi\u1ec1u c\u00e1c d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1, c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p n\u00e0y s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong t\u01b0\u01a1ng lai c\u1ee7a th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 doanh nghi\u1ec7p, cu\u1ed9c c\u00e1ch m\u1ea1ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh \u0111\u1ea1i di\u1ec7n cho k\u1ef7 nguy\u00ean m\u1edbi c\u1ee7a c\u01a1 h\u1ed9i v\u00e0 hi\u1ec7u qu\u1ea3.<\/p>","protected":false},"excerpt":{"rendered":"<p>O setor financeiro tem passado por uma revolu\u00e7\u00e3o nos \u00faltimos anos devido ao avan\u00e7o da tecnologia e \u00e0 ascens\u00e3o das fintechs. Essas startups inovadoras est\u00e3o remodelando a maneira como as pessoas e empresas lidam com servi\u00e7os financeiros, tornando as transa\u00e7\u00f5es mais \u00e1geis, acess\u00edveis e personalizadas. O Que S\u00e3o Fintechs? O termo &#8220;fintech&#8221; \u00e9 a combina\u00e7\u00e3o &#8230; <a title=\"Fintechs: C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p c\u00f4ng ngh\u1ec7 \u0111ang chuy\u1ec3n \u0111\u1ed5i ng\u00e0nh t\u00e0i ch\u00ednh nh\u01b0 th\u1ebf n\u00e0o\" class=\"read-more\" href=\"https:\/\/mobsaint.com\/vi\/fintechs-como-as-startups-de-tecnologia-estao-transformando-o-setor-financeiro\/\" aria-label=\"\u0110\u1ecdc th\u00eam v\u1ec1 Fintechs: Como as Startups de Tecnologia Est\u00e3o Transformando o Setor Financeiro\">\u0111\u1ecdc th\u00eam<\/a><\/p>","protected":false},"author":1,"featured_media":1058,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financas"],"_links":{"self":[{"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/posts\/1057","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/comments?post=1057"}],"version-history":[{"count":1,"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/posts\/1057\/revisions"}],"predecessor-version":[{"id":1059,"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/posts\/1057\/revisions\/1059"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/media\/1058"}],"wp:attachment":[{"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/media?parent=1057"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/categories?post=1057"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mobsaint.com\/vi\/wp-json\/wp\/v2\/tags?post=1057"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}