Tình Hình Hiện Tại Và Giải Pháp Phát Triển Ngân Hàng Kỹ Thuật Số

Khóa luận phân tích tình hình và giải pháp cho ngân hàng số tại các ngân hàng thương mại cổ phần phục vụ đầu tư và phát triển Việt Nam.

• Tác giả: Đồng Trường Giang
• Người hướng dẫn: MBA. Hà Quỳnh Mai
• Trường học: University of Economics & Business
• Chuyên ngành: Banking and Finance
• Đề tài: Giải Pháp Phát Triển Ngân Hàng Kỹ Thuật Số Tại Ngân Hàng Đầu Tư Và Phát Triển Việt Nam
• Loại tài liệu: graduation thesis
• Năm xuất bản: 2023
• Địa điểm: Hà Nội

Mục lục chi tiết

• DECLARATION
• ACKNOWLEDGEMENTS
• 1. CHAPTER I: INTRODUCTION
• 1.1. Urgency of the research
• 1.2. Research aims & objectives
• 1.3. Scope and Object of the research
• 1.3.1. Object of the research
• 1.3.2. Scope of the research
• 1.4. Research questions
• 1.5. Research methodology
• 1.6. Research contribution
• 1.7. Structure of the research
• 2. CHAPTER II: OVERVIEW OF THE RESEARCH AND THEORETICAL BASIS OF DIGITAL BANKING SERVICES AT THE JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM
• 2.1. Abroad Studies
• 3. CHAPTER III: DEVELOPMENT SITUATION OF DIGITAL BANKING SERVICES AT THE JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM
• 4. CHAPTER IV: SOLUTIONS FOR THE DEVELOPMENT OF DIGITAL BANKING SERVICES AT THE JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM
• 4.1. Development orientation of banking IT in 2023
• 4.2. Development orientation Of BIDV
• 4.3. Opportunities and challenges for BIDV in developing digital banking services in the near future
• 4.4. Solutions for developing digital banking services at BIDV
• 4.4.1. Modern IT infrastructure development and investment
• 4.4.2. Increasing and expanding the range of digital banking services
• 4.4.3. Various distribution Methods
• 4.4.4. The expansion of data gathering and processing to aid in decision-making
• 4.4.5. Automation Of Processes
• 4.4.6. Development Of Human Resources
• 4.4.7. Securing and protecting digital banking services
• 4.4.8. A few recommendations for BIDV
• 4.4.9. Some recommendations for the government
• 4.4.10. Establishing a legal pathway in multiple new locations
• 4.4.11. Organize the establishment of payment-monitoring systems in Vietnam
• 4.4.12. Researching and implementing numerous ISO standards in accordance with global latest
• 4.4.13. Modernize and expand commercial banks’ internal payment infrastructure
• 4.4.14. Propagate deception and information
• 5. CHAPTER V: CONCLUSION
• LIST OF ABBREVIATIONS
• LIST OF FIGURES
• LIST OF TABLES

Tóm tắt

I. Tổng Quan Về Ngân Hàng Kỹ Thuật Số Tại BIDV

Ngân hàng kỹ thuật số đang trở thành xu hướng chủ đạo trong ngành ngân hàng hiện đại. Tại Ngân hàng Đầu Tư và Phát Triển Việt Nam (BIDV), việc áp dụng công nghệ số không chỉ giúp nâng cao hiệu quả hoạt động mà còn cải thiện trải nghiệm khách hàng. Sự chuyển đổi này không chỉ là một yêu cầu mà còn là một cơ hội để BIDV khẳng định vị thế trên thị trường.

1.1. Định Nghĩa Ngân Hàng Kỹ Thuật Số

Ngân hàng kỹ thuật số là hình thức cung cấp dịch vụ ngân hàng thông qua các nền tảng trực tuyến, cho phép khách hàng thực hiện giao dịch mà không cần đến chi nhánh. Điều này giúp tiết kiệm thời gian và chi phí cho cả ngân hàng và khách hàng.

1.2. Lợi Ích Của Ngân Hàng Kỹ Thuật Số

Việc áp dụng ngân hàng kỹ thuật số mang lại nhiều lợi ích như giảm thiểu chi phí vận hành, tăng cường khả năng tiếp cận dịch vụ và cải thiện trải nghiệm khách hàng. Khách hàng có thể thực hiện giao dịch mọi lúc, mọi nơi.

II. Thách Thức Trong Việc Phát Triển Ngân Hàng Kỹ Thuật Số Tại BIDV

Mặc dù có nhiều lợi ích, nhưng việc phát triển ngân hàng kỹ thuật số tại BIDV cũng gặp phải không ít thách thức. Những thách thức này bao gồm sự cạnh tranh từ các ngân hàng khác và các công ty fintech, cũng như việc đảm bảo an toàn thông tin cho khách hàng.

2.1. Cạnh Tranh Từ Các Ngân Hàng Khác

Sự gia tăng của các ngân hàng kỹ thuật số và các công ty fintech đã tạo ra áp lực lớn lên BIDV. Ngân hàng cần phải cải thiện dịch vụ và công nghệ để giữ chân khách hàng.

2.2. An Ninh Thông Tin Trong Ngân Hàng Kỹ Thuật Số

Bảo mật thông tin là một trong những vấn đề quan trọng nhất trong ngân hàng kỹ thuật số. BIDV cần đầu tư vào công nghệ bảo mật để bảo vệ dữ liệu của khách hàng khỏi các mối đe dọa.

III. Phương Pháp Phát Triển Ngân Hàng Kỹ Thuật Số Tại BIDV

Để phát triển ngân hàng kỹ thuật số, BIDV cần áp dụng một số phương pháp chiến lược. Những phương pháp này bao gồm đầu tư vào công nghệ mới, cải thiện quy trình dịch vụ và nâng cao trải nghiệm khách hàng.

3.1. Đầu Tư Vào Công Nghệ Mới

BIDV cần đầu tư vào các công nghệ tiên tiến như trí tuệ nhân tạo và phân tích dữ liệu lớn để tối ưu hóa quy trình và nâng cao hiệu quả hoạt động.

3.2. Cải Thiện Quy Trình Dịch Vụ

Cải thiện quy trình dịch vụ sẽ giúp giảm thiểu thời gian chờ đợi và nâng cao sự hài lòng của khách hàng. BIDV cần xem xét lại các quy trình hiện tại để tìm ra những điểm cần cải thiện.

IV. Ứng Dụng Thực Tiễn Của Ngân Hàng Kỹ Thuật Số Tại BIDV

Việc áp dụng ngân hàng kỹ thuật số tại BIDV đã mang lại nhiều kết quả tích cực. Khách hàng ngày càng ưa chuộng các dịch vụ trực tuyến, giúp ngân hàng tăng trưởng doanh thu và mở rộng thị trường.

4.1. Tăng Cường Khả Năng Tiếp Cận Khách Hàng

Ngân hàng kỹ thuật số giúp BIDV tiếp cận được nhiều khách hàng hơn, đặc biệt là giới trẻ, những người ưa chuộng công nghệ và dịch vụ trực tuyến.

4.2. Nâng Cao Trải Nghiệm Khách Hàng

BIDV đã cải thiện trải nghiệm khách hàng thông qua việc cung cấp dịch vụ trực tuyến tiện lợi, giúp khách hàng thực hiện giao dịch nhanh chóng và dễ dàng.

V. Kết Luận Về Tương Lai Của Ngân Hàng Kỹ Thuật Số Tại BIDV

Tương lai của ngân hàng kỹ thuật số tại BIDV rất hứa hẹn. Với sự phát triển không ngừng của công nghệ, ngân hàng cần tiếp tục đổi mới và cải tiến để đáp ứng nhu cầu ngày càng cao của khách hàng.

5.1. Xu Hướng Phát Triển Ngân Hàng Kỹ Thuật Số

Ngân hàng kỹ thuật số sẽ tiếp tục phát triển mạnh mẽ trong những năm tới, với sự gia tăng của các dịch vụ trực tuyến và di động.

5.2. Chiến Lược Để Đáp Ứng Nhu Cầu Khách Hàng

BIDV cần xây dựng các chiến lược dài hạn để phát triển ngân hàng kỹ thuật số, bao gồm việc cải thiện công nghệ và nâng cao chất lượng dịch vụ.

Trích đoạn nội dung tài liệu

UNIVERSITY OF ECONOMICS & BUSINESS FINANCE AND BANKING GRADUATION THESIS CURRENT SITUATION AND SOLUTION OF DIGITAL BANKING IN Supervisor: MBA. Ha Quynh Mai Reviewer: Student: Dong Truong Giang Class: QH2019-E TCNH CLC 3 Training system: CLC Ha Noi- May - 2023 DECLARATION L Dong Truong Giang, a student of the University of Economics & Business, majoring in Banking and Finance, student code: 19050640 hereby declares: 1. This work was completed entirely or primarily while pursuing a research degree at this university; 2. If any portion of this thesis has already been submitted to this University or another institution for a degree or other qualification, it has been made abundantly clear; 3.

When I have consulted someone else's published work, this has always been explicitly attributed; 4. I always cite the source when I quote from someone else's writing. This thesis is totally my own work; these quotations are the only exceptions; 5. I have acknowledged all main sources of help; 6.

Where the thesis is based on work I did in collaboration with others, I have specified who contributed what and how much of it was my; VỀ Either none of this work has been published before submission, or parts of this work have been published. Ha Noi, 12 May, 2023 Student Đồng Trường Giang ACKNOWLEDGEMENTS My study would not be completed without enormous assistance. Therefore, I would like to show my sincerest appreciation to the supports and motivations that I was fortunate enough to get during the time of conducting this study as one of the requirements to be able to complete my Degree of Finance and Banking. First and foremost, I would like to express my numberless thanks and gratefulness to my beloved supervisor Ms.

Ha Quynh Mai. Her generous support and countless advices could be seen throughout the progress of completion of my thesis. Without her motivations and instructions, the study would be impossible to complete. I also want to acknowledge my thankfulness to all teachers working at The University of Economics & Business, especially in the Finance and Banking department.

I respect them all for their dedication and enthusiasm in providing the students the knowledge so we can be successful. My parents deserve a special thank you for their unending love, concern, and inspiration throughout my entire life. In addition, I want to express my gratitude to my brothers and other family members for always being there for me. Last but not least, I would like to sincerely thank all of my friends during my time studying in the University of Economics & Business.

Their thoughtful assistance, considerations, and inspirations have provided me courage and helped me overcome a lot of problems I have encountered during my time at university. Student Dong Truong Giang TABLE OF CONTENTS DCÏaTafÏOTA. «nha HHHTTETTESEEEETSEEESEESESEESESErTirTrrirrririrtrrirtrrirrrr 1 ACcknowledgẴ@Im€TIES. ch nh Hàng HHRRHRHREERRSESEEEEESEEEEESESEEESESESEEESESEEEEIEESESEEEESESE 2 Table Of CONCEDES ú.

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BIDV’s business status in recent VAL. Developing digital banking at BIDV. About digital banking system at BIDV. Present status of distribution channels and digital services at BIDV.

Current digitalization in some digital banking activities of BIDV. Assessment of digital banking Services at BIDV ,. Evaluate the development of digital banking at BIDV .----cc<cccxeeerriirrrriirriirrrrrrree 39 Chapter IV: Solutions for the development of digital banking services at the Joint Stock Commercial Bank for Investment and Development of Vietnam. Development orientation of banking IT in 2023.

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Propagate deception and information .cssssssssssssssssssssssssssessssssssssssssessesssssssssssssessessessssssssssseeee 64 Chapter V: CONCIUSION. nọ ngang HATAESESESESESESESESESESESESESESESESESEEEEEESESEEESEEEESESESESESEEEttf 67 LIST OF ABBREVIATIONS No Acronyms English description 1 IT Information Technology 2 ROA Return on Assets 3 BIDV Joint Stock Commercial Bank for Investment and Development of Vietnam 4 DB Digital Banking 5 ATM Automated Teller Machine 6 SMS Short Message Services 7 FFIEC Federal Financial Institutions Examination Council's 8 BI Business Intelligent 9 US United States 10 ROE Return on Equity 11 CIF Cost, Insurance, Freight 12 POS Point of Sale 13 SME Small and Medium Enterprise 14 FDI Foreign Direct Investment 15 API Application Programming Interface 16 OTP One Time Password LIST OF FIGURES Figures Pages Figure 2. Structure of digital banking 19 Figure 2. Goods and services offered by commercial banks 21 Figure 2.

a strategy for finishing and converting to digital banking model 22 Figure 2. Hypothesis of the Factors Affecting Perceived Quality 23 Figure 3. BIDV’s core values 25 Figure 3. BIDV’s profitability rate 2018-2022 28 Figure 3.

The software systems of BIDV 30 Figure 3. BIDV's core banking system model 31 Figure 3. Number of ATMs operated by Vietnam's Big 4 banks 34 Figure 3.6: Number of customers using Internet Banking in 3 major banks 35 Figure 4. Overview of Vietnamese s internet useage 47 Figure 4.

The contrast between traditional and digital consumer journeys 55 LIST OF TABLES Tables Pages Table 2. The operational variations between traditional and digital banking 18 Table 3. Table of Business results for BIDV 2018-2022 26 CHAPTER I: INTRODUCTION 1. Urgency of the research The Fourth Industrial Revolution, frequently referred to as Industry 4.0, is changing the entire world (IBM,2021).

This would radically alter the global production model today and is regarded as a leap that occurs every 100 years since the industrial revolution in the early 20th century. The banking business, which is a crucial part of the economy, is always establishing trends and its performance is always correlated with the effective use of new technology. Examples include the introduction of credit cards and ATM networks in the 1970s, the employment of computer systems in company operations in the 1960s, and the early adoption ofinternet banking in the 1990s. In order to develop new technologies and customer-serving solutions, the banking sector is aggressively promoting historic changes and programs that center on the infrastructure system in the twenty-first century.

Additionally, organizations outside the sector are actively influencing the evolution of the banking sector with new technology platforms that are challenging the financial banking sector and have the potential to fundamentally alter how they conduct their traditional business operations. Under the influence of Industry 4.0, it can be claimed that the banking sector is evolving at an unprecedented pace, which offers existing banks both opportunities and challenges. On the other hand, because of quickly evolving consumer behavior, the old (physical) distribution channel is becoming less important. The financial capacity of the Bank, the rules of the State management agencies, and the effectiveness of the new transaction sites define and constrain the development of physical transaction networks.

Digital banking will be an effective remedy. Using a combination of automation and system transfer system restrictions, digital banking helps to reduce distribution costs, administration costs, and operational costs by addressing these limitations by utilizing and integrating various distribution channels. Therefore, many banks worldwide are beginning to restructure and modernize their old channels in tandem with the growth of digital channels due to the high operational expenses. Digital banking is a new trend that has been adopted by many nations throughout the world, including numerous Vietnamese institutions.

Although many banks in Vietnam have implemented Internet Banking and Mobile Banking, these systems are mainly designed to simplify client transaction demands. There are still numerous steps in the business process that have not been digitalized, most notably the sales and product creation processes. And therefore, applying for and building a digital bank is not only a chance but also a challenge for every bank that offers its products that lead to significant in technological breakthroughs, standout innovations, boost market competition to attract more customers and improve client experience when using the bank’s services. Digital banking will become widely used in Vietnam in the near future thanks to its cutting- edge technology platform, benefits for saving traders’ time, and appeal to young people's tastes.

As one ofthe major banks in Vietnam, BIDV must remain on top of trends or would fall behind other financial institutions. Presently, BIDV's products and services has included digitization, from marketing to sales to customer care to customer care, but the bank's channels are still mostly unconnected and unintegrated, which has negative impact on how well customers receive services. The counter channel is where the majority of the sales process takes place; sales on digital channels are still very negligible, there is yet no optimal combination between modern channels and counter channels in sales processes. In order to keep clients, BIDV must assess the issues that still need to be resolved and offer a faster and more convenient services to customers.

To do this, BIDV must analyze and develop digital banking in order to improve its reputation, marketability, and brand. It is crucial to evaluate and research the current state and operational procedures of BIDV's digital banking products and services. From there, it is possible to identify BIDV's digital banking services’ strengths, shortcomings, opportunities, and risks as a development direction. Through this, a variety of solutions are provided to address issues, motivate increase market share and benefits, and grow the breadth and depth of digital banking services at BIDV.For those reasons, the author has chosen “Current situation and solution of digital banking in Joint Stock Commercial Bank for Investment and Development of Vietnam’ as the thesis’ topic.

Research aims & objectives - Learn the theoretical principles and transformation of digital banking trends for banks in local region and around the world - Analyze the existing status, benefits, accomplishments, as well as challenges and restrictions associated with developing digital banking services at BIDV - Achivements has been completed, and some restrictions on the Joint Stock Commercial Bank for Investment and Development of Vietnam's digital banking services have been identified. From there, solutions for expanding BIDV's digital banking services in the future have been suggested. Scope and Object of the research 1. Object of the research The object of the research are current situation and solution for developing digital banking at At Joint Stock Commercial Bank for Investment and Development of Vietnam.

Scope of the research + Scope ofspace: At Joint Stock Commercial Bank for Investment and Development of Vietnam. + Scope of time: Statistics and analysis were gathered during a five-year period, from 2018 to 2022, from the Joint Stock Commercial Bank for Investment and Development of Vietnam. Research questions - What features distinguish digital banking? - What standards are used to assess the efficiency of digital banking?