{"id":198204,"date":"2021-03-19T12:50:32","date_gmt":"2021-03-19T01:50:32","guid":{"rendered":"https:\/\/augstudy.com\/?p=198204"},"modified":"2021-03-19T13:19:22","modified_gmt":"2021-03-19T02:19:22","slug":"leveraging-on-disruption-for-a-better-tomorrow","status":"publish","type":"post","link":"https:\/\/augstudy.com\/vi\/leveraging-on-disruption-for-a-better-tomorrow\/","title":{"rendered":"T\u1eadn d\u1ee5ng s\u1ef1 gi\u00e1n \u0111o\u1ea1n \u0111\u1ec3 c\u00f3 m\u1ed9t ng\u00e0y mai t\u1ed1t \u0111\u1eb9p h\u01a1n"},"content":{"rendered":"
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Fintech \u1edf Singapore: T\u1eadn d\u1ee5ng s\u1ef1 gi\u00e1n \u0111o\u1ea1n \u0111\u1ec3 c\u00f3 m\u1ed9t ng\u00e0y mai t\u1ed1t \u0111\u1eb9p h\u01a1n<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t

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Ng\u00e0y 16 th\u00e1ng 3 n\u0103m 2021\u00a0<\/strong>\u2014 \u0110\u1ed5i m\u1edbi v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 g\u00ec m\u1edbi. M\u00e1y t\u00ednh (ch\u1eb3ng h\u1ea1n nh\u01b0 que \u0111\u1ebfm v\u00e0 b\u00e0n t\u00ednh) \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng h\u00e0ng ngh\u00ecn n\u0103m. M\u1ed9t ph\u00e1t minh g\u1ea7n \u0111\u00e2y h\u01a1n l\u00e0 m\u00e1y r\u00fat ti\u1ec1n t\u1ef1 \u0111\u1ed9ng (ATM) ra m\u1eaft v\u00e0o cu\u1ed1i nh\u1eefng n\u0103m 1960. V\u1edbi cu\u1ed9c c\u00e1ch m\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1, c\u00e1c c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn hi\u1ec7n \u0111\u1ea1i \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u \u0111\u1ec3 th\u00fac \u0111\u1ea9y c\u1ea3i ti\u1ebfn trong l\u0129nh v\u1ef1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, d\u1eabn \u0111\u1ebfn s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (FinTech). Kh\u00f4ng gi\u1ed1ng nh\u01b0 nh\u1eefng ti\u1ebfn b\u1ed9 tr\u01b0\u1edbc \u0111\u00e2y, FinTech c\u00f3 ti\u1ec1m n\u0103ng t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn x\u00e3 h\u1ed9i v\u00e0 th\u1ebf gi\u1edbi.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t

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\u00d4ng Ravi Menon, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh, C\u01a1 quan ti\u1ec1n t\u1ec7 Singapore (MAS), trong b\u00e0i ph\u00e1t bi\u1ec3u c\u1ee7a m\u00ecnh \u201cFinTech v\u00ec m\u1ed9t x\u00e3 h\u1ed9i h\u00f2a nh\u1eadp v\u00e0 m\u1ed9t h\u00e0nh tinh b\u1ec1n v\u1eefng<\/a>\u201d t\u1ea1i L\u1ec5 h\u1ed9i FinTech Singapore 2020, \u0111\u00e3 ch\u1ec9 ra FinTech l\u00e0 \u0111\u1ed9ng l\u1ef1c t\u1ed1t \u0111\u1eb9p gi\u1eefa ba cu\u1ed9c kh\u1ee7ng ho\u1ea3ng to\u00e0n c\u1ea7u m\u00e0 ch\u00fang ta ph\u1ea3i \u0111\u1ed1i m\u1eb7t ng\u00e0y nay: \u0111\u1ea1i d\u1ecbch COVID-19, cu\u1ed9c suy tho\u00e1i to\u00e0n c\u1ea7u t\u1ed3i t\u1ec7 nh\u1ea5t k\u1ec3 t\u1eeb Th\u1ebf chi\u1ebfn th\u1ee9 hai v\u00e0 bi\u1ebfn \u0111\u1ed5i kh\u00ed h\u1eadu.<\/p>\n

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\u201c\u0110\u1ea1i d\u1ecbch v\u00e0 kh\u1ee7ng ho\u1ea3ng kinh t\u1ebf \u0111\u00e3 b\u1ed9c l\u1ed9 s\u1ef1 b\u1ea5t b\u00ecnh \u0111\u1eb3ng trong x\u00e3 h\u1ed9i c\u1ee7a ch\u00fang ta,\u201d<\/strong><\/p>\n

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\u00d4ng Menon cho bi\u1ebft, tr\u00edch d\u1eabn c\u00e1ch nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 \u0111\u1eb7t h\u00e0ng th\u1ef1c ph\u1ea9m v\u00e0 mua \u0111\u1ed3 tr\u1ef1c tuy\u1ebfn (ph\u1ea7n l\u1edbn v\u1eabn ti\u1ebfp t\u1ee5c cu\u1ed9c s\u1ed1ng c\u1ee7a h\u1ecd), trong khi nh\u1eefng ng\u01b0\u1eddi b\u1ecb lo\u1ea1i tr\u1eeb k\u1ef9 thu\u1eadt s\u1ed1 ph\u1ea3i v\u1eadt l\u1ed9n.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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T\u01b0\u01a1ng t\u1ef1, c\u00e1c h\u1ea1n ch\u1ebf v\u1ec1 kh\u1ea3 n\u0103ng di chuy\u1ec3n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn doanh nghi\u1ec7p nh\u1ecf \u1edf m\u1ee9c \u0111\u1ed9 l\u1edbn h\u01a1n so v\u1edbi c\u00e1c doanh nghi\u1ec7p l\u1edbn, nh\u1eefng doanh nghi\u1ec7p c\u00f3 th\u1ec3 chuy\u1ec3n sang n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 th\u1ef1c hi\u1ec7n l\u00e0m vi\u1ec7c t\u1eeb xa. \u00d4ng Menon n\u00f3i th\u00eam r\u1eb1ng \u0111\u1ea1i d\u1ecbch c\u0169ng khi\u1ebfn ch\u00fang ta nh\u1eadn th\u1ee9c r\u00f5 h\u01a1n v\u1ec1 vi\u1ec7c ch\u00fang ta d\u1ec5 b\u1ecb t\u1ed5n th\u01b0\u01a1ng nh\u01b0 th\u1ebf n\u00e0o tr\u01b0\u1edbc c\u00e1c s\u1ee9c m\u1ea1nh c\u1ee7a thi\u00ean nhi\u00ean..<\/p>\n

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Trong nh\u1eefng th\u1eddi \u0111i\u1ec3m \u0111\u1ea7y th\u1eed th\u00e1ch nh\u01b0 v\u1eady, r\u00f5 r\u00e0ng l\u00e0 c\u00f4ng ngh\u1ec7 c\u00f3 s\u1ee9c m\u1ea1nh gi\u00fap ch\u00fang ta t\u00ecm ra gi\u1ea3i ph\u00e1p cho nh\u1eefng v\u1ea5n \u0111\u1ec1 kh\u00f3 kh\u0103n\u2014t\u1eeb s\u1ea3n xu\u1ea5t v\u1eafc xin \u0111\u1ebfn truy t\u00ecm d\u1ea5u v\u1ebft ti\u1ebfp x\u00fac, h\u1ecdc t\u1eadp tr\u1ef1c tuy\u1ebfn cho \u0111\u1ebfn \u0111i\u1ec1u tr\u1ecb t\u1eeb xa. \u00d4ng Menon cho r\u1eb1ng FinTech c\u00f3 ti\u1ec1m n\u0103ng l\u1edbn \u0111\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t l\u1ef1c l\u01b0\u1ee3ng t\u1ed1t v\u00ec vai tr\u00f2 c\u1ee7a n\u00f3 trong vi\u1ec7c t\u1ea1o ra m\u1ed9t x\u00e3 h\u1ed9i h\u00f2a nh\u1eadp h\u01a1n v\u00e0 m\u1ed9t h\u00e0nh tinh b\u1ec1n v\u1eefng h\u01a1n.<\/p>\n

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T\u1ea7m nh\u00ecn c\u1ee7a \u00f4ng Menon v\u1ec1 nh\u1eefng g\u00ec FinTech c\u00f3 th\u1ec3 l\u00e0m cho m\u1ed9t x\u00e3 h\u1ed9i h\u00f2a nh\u1eadp \u1edf Singapore li\u00ean quan \u0111\u1ebfn vi\u1ec7c trao quy\u1ec1n cho m\u1ecdi ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p trong n\u01b0\u1edbc \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 ti\u1ebfp c\u1eadn t\u00e0i ch\u00ednh. \u0110\u1ed1i v\u1edbi c\u00e1c c\u00e1 nh\u00e2n, \u0111i\u1ec1u n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 m\u1ed9t ph\u1ea7n nh\u1edd b\u1ed1n s\u00e1ng ki\u1ebfn \u0111ang \u0111\u01b0\u1ee3c tri\u1ec3n khai: thanh to\u00e1n \u0111i\u1ec7n t\u1eed ph\u1ed5 bi\u1ebfn (thanh to\u00e1n \u0111i\u1ec7n t\u1eed), chuy\u1ec3n ti\u1ec1n xuy\u00ean bi\u00ean gi\u1edbi v\u1edbi gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng, y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m y t\u1ebf k\u1ecbp th\u1eddi v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n.<\/p>\n

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C\u00e1c n\u1ed7 l\u1ef1c thanh to\u00e1n \u0111i\u1ec7n t\u1eed v\u00e0 chuy\u1ec3n ti\u1ec1n xuy\u00ean bi\u00ean gi\u1edbi \u0111\u01b0\u1ee3c nh\u1ea5n m\u1ea1nh b\u1edfi c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed b\u00e1n l\u1ebb c\u1ee7a Singapore, \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 FAST v\u00e0 PayNow, d\u1ef1a tr\u00ean FAST \u0111\u1ec3 cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n chuy\u1ec3n ti\u1ec1n theo th\u1eddi gian th\u1ef1c su\u1ed1t ng\u00e0y \u0111\u00eam th\u00f4ng qua ng\u00e2n h\u00e0ng h\u1ec7 th\u1ed1ng cho c\u00e1c c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p kh\u00e1c. Ngo\u00e0i ra, MAS, h\u1ee3p t\u00e1c v\u1edbi Ng\u00e2n h\u00e0ng Th\u00e1i Lan, \u0111ang \u0111\u1eb7t m\u1ee5c ti\u00eau ra m\u1eaft v\u00e0o gi\u1eefa n\u0103m 2021 m\u1ed1i li\u00ean k\u1ebft \u0111\u1ea7u ti\u00ean gi\u1eefa PayNow v\u00e0 Nh\u1eafcPay c\u1ee7a Th\u00e1i Lan, nh\u1eb1m gi\u00fap vi\u1ec7c chuy\u1ec3n ti\u1ec1n xuy\u00ean bi\u00ean gi\u1edbi r\u1ebb h\u01a1n v\u00e0 nhanh h\u01a1n.<\/p>\n

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\u0110\u1ec3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m hi\u1ec7u qu\u1ea3 h\u01a1n, MAS c\u00f9ng v\u1edbi B\u1ed9 Y t\u1ebf, H\u1ec7 th\u1ed1ng th\u00f4ng tin y t\u1ebf t\u00edch h\u1ee3p (c\u01a1 quan c\u00f4ng ngh\u1ec7 cho l\u0129nh v\u1ef1c ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe c\u1ed9ng \u0111\u1ed3ng) c\u0169ng nh\u01b0 l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m v\u00e0 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe s\u1ebd th\u00ed \u0111i\u1ec3m m\u1ed9t n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 chia s\u1ebb d\u1eef li\u1ec7u m\u1ed9t c\u00e1ch an to\u00e0n v\u1edbi s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a b\u1ec7nh nh\u00e2n.<\/p>\n

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Trong l\u0129nh v\u1ef1c l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh, MAS \u0111ang t\u00ecm c\u00e1ch trao quy\u1ec1n cho c\u00e1c c\u00e1 nh\u00e2n th\u00f4ng tin v\u00e0 c\u00f4ng c\u1ee5 \u0111\u1ec3 h\u1ecd c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch t\u1ed1t nh\u1ea5t. S\u00e0n giao d\u1ecbch d\u1eef li\u1ec7u t\u00e0i ch\u00ednh Singapore (SGFinDex) s\u1ebd cho ph\u00e9p c\u00e1c c\u00e1 nh\u00e2n h\u1ee3p nh\u1ea5t th\u00f4ng tin t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd l\u01b0u tr\u00fa t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u01a1 quan ch\u00ednh ph\u1ee7 kh\u00e1c nhau\u2014cu\u1ed1i c\u00f9ng m\u1edf r\u1ed9ng \u0111\u1ec3 bao g\u1ed3m d\u1eef li\u1ec7u t\u1eeb Trung t\u00e2m l\u01b0u k\u00fd v\u00e0 t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. B\u1eb1ng c\u00e1ch ph\u00e1 v\u1ee1 c\u00e1c kho th\u00f4ng tin, SGFinDex s\u1ebd cho ph\u00e9p c\u00e1c c\u00e1 nh\u00e2n c\u00f3 \u0111\u01b0\u1ee3c c\u00e1i nh\u00ecn t\u1ed5ng h\u1ee3p v\u1ec1 th\u00f4ng tin t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd, \u0111\u1ec3 h\u1ecd c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n h\u01a1n.<\/p>\n

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Tr\u1ecdng t\u00e2m kh\u00e1c trong ch\u01b0\u01a1ng tr\u00ecnh ngh\u1ecb s\u1ef1 FinTech c\u1ee7a Singapore v\u00ec m\u1ed9t x\u00e3 h\u1ed9i to\u00e0n di\u1ec7n h\u01a1n, c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf (SME), c\u00f3 th\u1ec3 n\u00e2ng cao kh\u1ea3 n\u0103ng h\u00f2a nh\u1eadp k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a m\u00ecnh b\u1eb1ng c\u00e1ch \u00e1p d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 ph\u1ed5 bi\u1ebfn. \u0110i\u1ec1u n\u00e0y s\u1ebd cho ph\u00e9p h\u1ecd n\u00e2ng cao hi\u1ec7u qu\u1ea3 v\u00e0 m\u1edf r\u1ed9ng c\u01a1 h\u1ed9i kinh doanh, \u0111\u1eb7c bi\u1ec7t trong ba l\u0129nh v\u1ef1c: th\u01b0\u01a1ng m\u1ea1i xuy\u00ean bi\u00ean gi\u1edbi li\u1ec1n m\u1ea1ch, t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c c\u01a1 h\u1ed9i to\u00e0n c\u1ea7u v\u00e0 thanh to\u00e1n v\u00e0 thanh to\u00e1n \u0111a ti\u1ec1n t\u1ec7 hi\u1ec7u qu\u1ea3.<\/p>\n

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N\u1ec1n t\u1ea3ng Th\u01b0\u01a1ng m\u1ea1i K\u1ebft n\u1ed1i M\u1ea1ng (NTP) l\u00e0 h\u1ec7 sinh th\u00e1i th\u01b0\u01a1ng m\u1ea1i v\u00e0 h\u1eadu c\u1ea7n m\u1ed9t c\u1eeda, k\u1ebft n\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 nh\u1eefng ng\u01b0\u1eddi tham gia trong chu\u1ed7i gi\u00e1 tr\u1ecb th\u01b0\u01a1ng m\u1ea1i\u2014\u1edf Singapore v\u00e0 n\u01b0\u1edbc ngo\u00e0i\u2014\u0111\u1ec3 gi\u00fap c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf \u0111\u1ecba ph\u01b0\u01a1ng b\u00e1n h\u00e0ng h\u00f3a ho\u1eb7c d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd ra n\u01b0\u1edbc ngo\u00e0i d\u1ec5 d\u00e0ng h\u01a1n. Ngo\u00e0i vi\u1ec7c cho ph\u00e9p c\u00e1c SME chia s\u1ebb th\u00f4ng tin nhanh ch\u00f3ng v\u00e0 an to\u00e0n v\u1edbi nhi\u1ec1u b\u00ean \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i trong n\u1ec1n t\u1ea3ng (\u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c t\u00e0i li\u1ec7u s\u1ed1 h\u00f3a v\u00e0 quy tr\u00ecnh s\u1ed1 h\u00f3a), n\u1ec1n t\u1ea3ng n\u00e0y c\u00f2n cho ph\u00e9p c\u00e1c SME \u0111\u0103ng k\u00fd t\u00e0i tr\u1ee3 th\u01b0\u01a1ng m\u1ea1i v\u1edbi nhi\u1ec1u ng\u00e2n h\u00e0ng th\u00f4ng qua m\u1ed9t c\u1ed5ng th\u00f4ng tin.<\/p>\n

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M\u1ed9t n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c, Business Sans Borders (BSB), \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 k\u1ebft n\u1ed1i c\u00e1c n\u1ec1n t\u1ea3ng kh\u00e1c nhau tr\u00ean to\u00e0n c\u1ea7u nh\u1eb1m gi\u00fap c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf ti\u1ebfp c\u1eadn li\u1ec1n m\u1ea1ch v\u1edbi h\u1ec7 sinh th\u00e1i ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n l\u1edbn h\u01a1n nhi\u1ec1u. N\u00f3 s\u1eed d\u1ee5ng Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) \u0111\u1ec3 gi\u1edbi thi\u1ec7u cho c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf c\u00e1c gi\u1ea3i ph\u00e1p kinh doanh v\u00e0 t\u00e0i ch\u00ednh thi\u1ebft y\u1ebfu t\u1eeb c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 tr\u00ean m\u1ea1ng l\u01b0\u1edbi BSB.<\/p>\n

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C\u00e1c kho\u1ea3n thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi r\u1ebb h\u01a1n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n su\u1ed1t ng\u00e0y \u0111\u00eam v\u00e0 trong th\u1eddi gian th\u1ef1c c\u0169ng s\u1eafp ra m\u1eaft v\u1edbi Project Ubin, m\u1ed9t nguy\u00ean m\u1eabu d\u1ef1a tr\u00ean blockchain \u0111\u1ec3 thanh to\u00e1n b\u1eb1ng nhi\u1ec1u lo\u1ea1i ti\u1ec1n t\u1ec7, t\u00edch h\u1ee3p c\u00e1c \u1ee9ng d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i, nh\u01b0 th\u01b0\u01a1ng m\u1ea1i v\u00e0 t\u00e0i tr\u1ee3 chu\u1ed7i cung \u1ee9ng, v\u1edbi c\u00e1c ch\u1ee9c n\u0103ng thanh to\u00e1n d\u1ef1a tr\u00ean blockchain.<\/p>\n

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Chuy\u1ec3n sang ch\u1ee7 \u0111\u1ec1 th\u1ee9 hai c\u1ee7a b\u00e0i ph\u00e1t bi\u1ec3u, \u00f4ng Menon chia s\u1ebb r\u1eb1ng FinTech c\u00f3 th\u1ec3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 c\u00f3 \u1ea3nh h\u01b0\u1edfng trong vi\u1ec7c gi\u00fap th\u00fac \u0111\u1ea9y ch\u01b0\u01a1ng tr\u00ecnh ngh\u1ecb s\u1ef1 b\u1ec1n v\u1eefng, b\u1edfi v\u00ec t\u00e0i ch\u00ednh th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf, \u0111\u1ecbnh h\u00ecnh c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 v\u00e0 th\u00fac \u0111\u1ea9y h\u00e0nh \u0111\u1ed9ng. Green FinTech c\u00f3 th\u1ec3 t\u1ea1o ra c\u00e1c d\u00f2ng t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng \u0111\u00e1ng tin c\u1eady v\u00e0 hi\u1ec7u qu\u1ea3.<\/p>\n

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Trong b\u1ed1i c\u1ea3nh c\u00f3 c\u00e1c s\u00e1ng ki\u1ebfn b\u1ec1n v\u1eefng r\u1ed9ng h\u01a1n nh\u01b0 ph\u00e1t tri\u1ec3n th\u1ecb tr\u01b0\u1eddng t\u00edn d\u1ee5ng carbon ch\u00e2u \u00c1 v\u00e0 th\u1ef1c hi\u1ec7n K\u1ebf ho\u1ea1ch h\u00e0nh \u0111\u1ed9ng t\u00e0i ch\u00ednh xanh, MAS s\u1ebd b\u1eaft tay v\u00e0o D\u1ef1 \u00e1n Greenprint, m\u1ed9t n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 nh\u1eb1m th\u00fac \u0111\u1ea9y h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh xanh.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>

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Th\u00f4ng qua d\u1ef1 \u00e1n n\u00e0y, MAS mong mu\u1ed1n \u0111\u1ea1t \u0111\u01b0\u1ee3c ba m\u1ee5c ti\u00eau:
\n<\/strong>i) cung c\u1ea5p n\u1ec1n t\u1ea3ng cho c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf v\u00e0 FinTech ho\u1ea1t \u0111\u1ed9ng trong c\u00e1c d\u1ef1 \u00e1n xanh v\u00e0 b\u1ec1n v\u1eefng \u0111\u1ec3 k\u1ebft n\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 nh\u1eb1m ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n v\u00e0 gi\u1ea3i ph\u00e1p xanh r\u1ed9ng h\u01a1n,
\nii) tri\u1ec3n khai c\u00f4ng ngh\u1ec7 \u0111\u1ec3 gi\u00e1m s\u00e1t xem c\u00e1c d\u1ef1 \u00e1n c\u00f3 th\u1ef1c s\u1ef1 \u0111\u00e1p \u1ee9ng c\u00e1c cam k\u1ebft b\u1ec1n v\u1eefng hay kh\u00f4ng, &
\niii) kh\u00e1m ph\u00e1 \u1ee9ng d\u1ee5ng AI v\u00e0 c\u00e1c c\u00f4ng ngh\u1ec7 kh\u00e1c \u0111\u1ec3 \u0111\u1ecbnh l\u01b0\u1ee3ng t\u00e1c \u0111\u1ed9ng m\u00f4i tr\u01b0\u1eddng, x\u00e3 h\u1ed9i v\u00e0 qu\u1ea3n tr\u1ecb c\u1ee7a c\u00e1c danh m\u1ee5c \u0111\u1ea7u t\u01b0 v\u00e0 cho vay ti\u1ec1m n\u0103ng.<\/p>\n

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Nh\u1eefng s\u00e1ng ki\u1ebfn n\u00eau tr\u00ean \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp trong b\u00e0i ph\u00e1t bi\u1ec3u c\u1ee7a \u00f4ng Menon ch\u1ec9 l\u00e0 m\u1ed9t v\u00e0i v\u00ed d\u1ee5 v\u1ec1 c\u00e1ch FinTech \u0111ang ph\u00e1t tri\u1ec3n theo c\u1ea5p s\u1ed1 nh\u00e2n \u1edf Singapore. M\u1ed9t s\u1ed1 ho\u1ea1t \u0111\u1ed9ng kh\u00e1c c\u0169ng \u0111ang th\u00fac \u0111\u1ea9y s\u1ef1 m\u1edf r\u1ed9ng c\u1ee7a l\u0129nh v\u1ef1c n\u00e0y, bao g\u1ed3m b\u01a1m v\u1ed1n, th\u00e0nh l\u1eadp ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi c\u0169ng nh\u01b0 nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n.<\/p>\n

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V\u1ec1 ph\u01b0\u01a1ng th\u1ee9c t\u00e0i tr\u1ee3, MAS \u0111\u00e3 c\u00f4ng b\u1ed1 v\u00e0o th\u00e1ng 4 n\u0103m 2020 m\u1ed9t\u00a0G\u00f3i h\u1ed7 tr\u1ee3 S$125 tri\u1ec7u<\/a>\u00a0\u0111\u1ec3 duy tr\u00ec v\u00e0 t\u0103ng c\u01b0\u1eddng n\u0103ng l\u1ef1c trong c\u00e1c l\u0129nh v\u1ef1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 FinTech. G\u00f3i h\u1ed7 tr\u1ee3 s\u1ebd gi\u00fap \u0111\u1ecbnh v\u1ecb c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh v\u00e0 c\u00e1c c\u00f4ng ty FinTech \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd h\u01a1n khi m\u1ed1i \u0111e d\u1ecda t\u1eeb COVID-19 gi\u1ea3m b\u1edbt v\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh t\u1ebf b\u00ecnh th\u01b0\u1eddng h\u00f3a. Ti\u1ebfp theo, v\u00e0o th\u00e1ng 5 n\u0103m 2020, MAS \u0111\u00e3 tri\u1ec3n khai ch\u01b0\u01a1ng tr\u00ecnh t\u00e0i tr\u1ee3 tr\u1ecb gi\u00e1 6 tri\u1ec7u S$ \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c c\u00f4ng ty FinTech c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Singapore.<\/p>\n

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V\u00e0o th\u00e1ng 12 n\u0103m 2020, MAS th\u00f4ng b\u00e1o r\u1eb1ng b\u1ed1n \u1ee9ng vi\u00ean \u0111\u00e3 b\u1ea3o \u0111\u1ea3m th\u00e0nh c\u00f4ng\u00a0gi\u1ea5y ph\u00e9p v\u1eadn h\u00e0nh ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi<\/a>\u00a0\u1ede Singapore. S\u1ef1 quan t\u00e2m c\u1ee7a qu\u1ed1c t\u1ebf \u0111\u1ed1i v\u1edbi c\u00e1c gi\u1ea5y ph\u00e9p r\u1ea5t cao, bao g\u1ed3m c\u1ea3 c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 to\u00e0n c\u1ea7u nh\u01b0 Razer, Xiaomi v\u00e0 ByteDance. Cu\u1ed1i c\u00f9ng, hai gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7y \u0111\u1ee7 \u0111\u00e3 \u0111\u01b0\u1ee3c trao cho t\u1eadp \u0111o\u00e0n Singtel, Grab v\u00e0 Sea Limited, trong khi hai gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng b\u00e1n bu\u00f4n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c trao cho Ant Financial v\u00e0 m\u1ed9t t\u1eadp \u0111o\u00e0n bao g\u1ed3m Greenland Financial Holdings Group, Linklogis Hong Kong v\u00e0 Beijing Co-Operaty Equity Investment. Qu\u1ea3n l\u00fd qu\u1ef9. MAS d\u1ef1 ki\u1ebfn c\u00e1c ng\u00e2n h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi s\u1ebd b\u1eaft \u0111\u1ea7u ho\u1ea1t \u0111\u1ed9ng t\u1eeb \u0111\u1ea7u n\u0103m 2022.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n\t

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Singapore, \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t trong nh\u1eefng trung t\u00e2m FinTech h\u00e0ng \u0111\u1ea7u \u1edf \u0110\u00f4ng Nam \u00c1 (n\u1ebfu kh\u00f4ng ph\u1ea3i l\u00e0 Ch\u00e2u \u00c1 Th\u00e1i B\u00ecnh D\u01b0\u01a1ng), c\u0169ng \u0111ang \u0111\u1ea7u t\u01b0 ngu\u1ed3n l\u1ef1c \u0111\u00e1ng k\u1ec3 v\u00e0o nghi\u00ean c\u1ee9u v\u00e0 \u0111\u1ed5i m\u1edbi. C\u00e1c\u00a0Vi\u1ec7n T\u00e0i ch\u00ednh K\u1ef9 thu\u1eadt s\u1ed1 Ch\u00e2u \u00c1<\/a>\u00a0(AIDF), do MAS, Qu\u1ef9 Nghi\u00ean c\u1ee9u Qu\u1ed1c gia v\u00e0 NUS \u0111\u1ed3ng s\u00e1ng l\u1eadp, mong mu\u1ed1n tr\u1edf th\u00e0nh m\u1ed9t nh\u00e0 l\u00e3nh \u0111\u1ea1o t\u01b0 t\u01b0\u1edfng, m\u1ed9t trung t\u00e2m ki\u1ebfn th\u1ee9c FinTech v\u00e0 m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m th\u1eed nghi\u1ec7m \u0111\u1ec3 ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh k\u1ef9 thu\u1eadt s\u1ed1 c\u0169ng nh\u01b0 nu\u00f4i d\u01b0\u1ee1ng c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u v\u00e0 h\u1ecdc vi\u00ean FinTech hi\u1ec7n t\u1ea1i v\u00e0 t\u01b0\u01a1ng lai. \u1edf ch\u00e2u \u00c1.<\/p>\n

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AIDF ti\u1ebfn h\u00e0nh nghi\u00ean c\u1ee9u v\u1ec1 AI v\u00e0 ph\u00e2n t\u00edch quy\u1ebft \u0111\u1ecbnh th\u00f4ng minh, c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng FinTech v\u00e0 ph\u00e2n t\u00edch t\u00edn d\u1ee5ng chuy\u00ean s\u00e2u, \u0111\u1ed3ng th\u1eddi l\u00e0 n\u01a1i c\u00f3 ch\u01b0\u01a1ng tr\u00ecnh Fincubator \u0111\u1ed9c \u0111\u00e1o nh\u1eb1m th\u00fac \u0111\u1ea9y tinh th\u1ea7n kh\u1edfi nghi\u1ec7p FinTech v\u00e0 cung c\u1ea5p h\u1ed7 tr\u1ee3 \u0111\u1ec3 chuy\u1ec3n c\u00e1c gi\u1ea3i ph\u00e1p FinTech \u0111\u1ed5i m\u1edbi th\u00e0nh c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 s\u1eb5n s\u00e0ng cho th\u1ecb tr\u01b0\u1eddng.<\/p>\n

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\u0110\u01b0\u1ee3c c\u00f4ng nh\u1eadn l\u00e0 th\u1ee7 \u0111\u00f4 c\u00f4ng ngh\u1ec7 c\u1ee7a ch\u00e2u \u00c1, Singapore c\u00f3 tr\u1ee5 s\u1edf ch\u00ednh c\u1ee7a\u00a080 trong s\u1ed1 100 c\u00f4ng ty c\u00f4ng ngh\u1ec7 h\u00e0ng \u0111\u1ea7u th\u1ebf gi\u1edbi<\/a>, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 nhu c\u1ea7u v\u00e0 s\u1ef1 c\u1ea1nh tranh v\u1ec1 nh\u00e2n t\u00e0i c\u00f4ng ngh\u1ec7 th\u00f4ng tin r\u1ea5t cao. C\u00e1c\u00a0Kh\u1ea3o s\u00e1t nh\u00e2n t\u00e0i FinTech 2020<\/a>, do Hi\u1ec7p h\u1ed9i FinTech Singapore v\u00e0 PwC Singapore th\u1ef1c hi\u1ec7n sau b\u00e1o c\u00e1o n\u0103m 2019 c\u1ee7a h\u1ecd, ti\u1ebft l\u1ed9 r\u1eb1ng b\u1ea5t ch\u1ea5p \u0111\u1ea1i d\u1ecbch, c\u00e1c c\u00f4ng ty FinTech v\u1eabn c\u1ef1c k\u1ef3 l\u1ea1c quan v\u1ec1 tri\u1ec3n v\u1ecdng t\u0103ng tr\u01b0\u1edfng trong 3 \u0111\u1ebfn 5 n\u0103m t\u1edbi. Tr\u00ean th\u1ef1c t\u1ebf, 97% c\u00f3 \u00fd \u0111\u1ecbnh m\u1edf r\u1ed9ng l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng trong 12 th\u00e1ng t\u1edbi.<\/p>\n

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Nh\u00ecn chung, tri\u1ec3n v\u1ecdng c\u1ee7a l\u0129nh v\u1ef1c FinTech \u1edf Singapore \u0111ang r\u1ea5t t\u1ed1t. N\u00f3 ch\u1eafc ch\u1eafn s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng kh\u00f4ng ch\u1ec9 \u0111\u1ed1i v\u1edbi th\u00e0nh ph\u1ed1 m\u00e0 c\u00f2n \u0111\u1ed1i v\u1edbi khu v\u1ef1c v\u00e0 to\u00e0n c\u1ea7u, mang l\u1ea1i nhi\u1ec1u c\u01a1 h\u1ed9i cho nhi\u1ec1u b\u00ean. Khi t\u1ea7m nh\u00ecn \u0111\u01b0\u1ee3c \u00f4ng Menon m\u00f4 t\u1ea3 m\u1edf ra, r\u00f5 r\u00e0ng b\u00e2y gi\u1edd l\u00e0 th\u1eddi \u0111i\u1ec3m th\u00fa v\u1ecb \u0111\u1ec3 tham gia v\u00e0o l\u0129nh v\u1ef1c n\u00e0y, kh\u00f4ng ch\u1ec9 v\u00ec s\u1ef1 nghi\u1ec7p hay l\u1ee3i nhu\u1eadn m\u00e0 c\u00f2n v\u00ec s\u1ef1 ti\u1ebfn b\u1ed9 c\u1ee7a c\u00e1c m\u1ee5c ti\u00eau x\u00e3 h\u1ed9i v\u00e0 m\u00f4i tr\u01b0\u1eddng.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"

\u0110\u1ed5i m\u1edbi v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng kh\u00f4ng c\u00f3 g\u00ec m\u1edbi. M\u00e1y t\u00ednh (ch\u1eb3ng h\u1ea1n nh\u01b0 que \u0111\u1ebfm v\u00e0\u2026<\/p>","protected":false},"author":5,"featured_media":198223,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[169,172,171,170,6,173,174,1,7],"tags":[],"class_list":["post-198204","post","type-post","status-publish","format-standard","hentry","category-australia-news","category-china-news","category-indonesia-news","category-malaysia-news","category-news","category-philippines-news","category-singapore-news","category-uncategorised","category-uncategorized","destination-course-singapore","studylevel-course-masters","studyfield-course-accounting-finance","studyfield-course-business-commerce"],"yoast_head":"\nLeveraging on Disruption For A Better Tomorrow - AUG Student Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/augstudy.com\/vi\/leveraging-on-disruption-for-a-better-tomorrow\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Leveraging on Disruption For A Better Tomorrow\" \/>\n<meta property=\"og:description\" content=\"Innovation and automation in the banking and finance sector is nothing new. 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