{"id":34700,"date":"2025-07-03T15:23:24","date_gmt":"2025-07-03T15:23:24","guid":{"rendered":"https:\/\/asia-vn.edu.vn\/?post_type=news&p=34700"},"modified":"2025-07-03T15:23:24","modified_gmt":"2025-07-03T15:23:24","slug":"xu-huong-fintech-trong-nganh-tai-chinh-nam-2025","status":"publish","type":"post","link":"https:\/\/asia-vn.edu.vn\/en\/xu-huong-fintech-trong-nganh-tai-chinh-nam-2025\/","title":{"rendered":"Xu h\u01b0\u1edbng FinTech trong ng\u00e0nh t\u00e0i ch\u00ednh n\u0103m 2025"},"content":{"rendered":"

Fintech \u2013 s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ngh\u1ec7 \u0111ang t\u1ea1o n\u00ean l\u00e0n s\u00f3ng thay \u0111\u1ed5i m\u1ea1nh m\u1ebd trong c\u00e1ch con ng\u01b0\u1eddi giao d\u1ecbch, ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0 v\u00e0 ti\u1ebfp c\u1eadn v\u1ed1n.<\/em><\/strong><\/p>\n

Hi\u1ec7n nay, th\u1ebf gi\u1edbi \u0111ang ch\u1ee9ng ki\u1ebfn s\u1ef1 b\u00f9ng n\u1ed5 c\u1ee7a C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech). Fintech kh\u00f4ng c\u00f2n l\u00e0 kh\u00e1i ni\u1ec7m xa l\u1ea1 m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh y\u1ebfu t\u1ed1 quan tr\u1ecdng, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch ch\u00fang ta thanh to\u00e1n, ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0 c\u0169ng nh\u01b0 c\u00e1ch doanh nghi\u1ec7p t\u00ecm ki\u1ebfm ngu\u1ed3n v\u1ed1n.<\/p>\n

V\u1ec1 b\u1ea3n ch\u1ea5t, Fintech l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa “T\u00e0i ch\u00ednh” (Finance) v\u00e0 “C\u00f4ng ngh\u1ec7” (Technology). \u0110\u00f3 l\u00e0 vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 \u0111\u1ed9t ph\u00e1 nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI), d\u1eef li\u1ec7u l\u1edbn (Big Data), \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y (Cloud Computing) v\u00e0 blockchain v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. M\u1ee5c ti\u00eau c\u1ee7a Fintech l\u00e0 t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh th\u00f4ng minh h\u01a1n, nhanh h\u01a1n, ti\u1ec7n l\u1ee3i h\u01a1n v\u00e0 d\u1ec5 ti\u1ebfp c\u1eadn h\u01a1n cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi.<\/p>\n

T\u1ea1i ch\u00e2u \u00c1, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u1edf Vi\u1ec7t Nam \u2013 n\u01a1i c\u00f3 d\u00e2n s\u1ed1 tr\u1ebb v\u00e0 t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng internet cao, Fintech \u0111ang ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng. L\u00e0n s\u00f3ng n\u00e0y kh\u00f4ng ch\u1ec9 mang \u0111\u1ebfn nhi\u1ec1u c\u01a1 h\u1ed9i m\u1edbi m\u00e0 c\u00f2n \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c, \u0111\u00f2i h\u1ecfi c\u00e1c c\u00e1 nh\u00e2n v\u00e0 t\u1ed5 ch\u1ee9c ph\u1ea3i li\u00ean t\u1ee5c th\u00edch nghi.<\/p>\n

S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a Fintech \u0111\u00e3 ph\u00e1 v\u1ee1 th\u1ebf \u0111\u1ed9c quy\u1ec1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng, t\u1ea1o ra m\u1ed9t s\u00e2n ch\u01a1i c\u1ea1nh tranh v\u00e0 \u0111a d\u1ea1ng h\u01a1n, n\u01a1i kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u1eb7t v\u00e0o v\u1ecb tr\u00ed trung t\u00e2m.<\/p>\n

M\u1ed9t s\u1ed1 xu h\u01b0\u1edbng Fintech n\u1ed5i b\u1eadt t\u1ea1i Vi\u1ec7t Nam v\u00e0 ch\u00e2u \u00c1<\/span><\/h2>\n

Thanh to\u00e1n k\u1ef9 thu\u1eadt s\u1ed1<\/strong><\/span><\/h3>\n

\u0110\u00e2y l\u00e0 l\u0129nh v\u1ef1c ph\u00e1t tri\u1ec3n nhanh nh\u1ea5t v\u00e0 g\u1ea7n g\u0169i nh\u1ea5t v\u1edbi ng\u01b0\u1eddi d\u00f9ng. C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n nh\u01b0 v\u00ed \u0111i\u1ec7n t\u1eed, m\u00e3 QR hay thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac \u0111ang ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn. T\u1ea1i Vi\u1ec7t Nam, theo Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, trong nh\u1eefng th\u00e1ng \u0111\u1ea7u n\u0103m 2024, giao d\u1ecbch kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t t\u0103ng kho\u1ea3ng 59% v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng v\u00e0 33% v\u1ec1 gi\u00e1 tr\u1ecb so v\u1edbi c\u00f9ng k\u1ef3. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111ang d\u1ea7n thay \u0111\u1ed5i th\u00f3i quen, \u01b0u ti\u00ean s\u1ef1 ti\u1ec7n l\u1ee3i v\u00e0 nhanh ch\u00f3ng.<\/p>\n

Cho vay k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 cho vay ngang h\u00e0ng (P2P Lending)<\/strong><\/span><\/h3>\n

C\u00e1c n\u1ec1n t\u1ea3ng cho vay online \u0111ang gi\u00fap c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p nh\u1ecf d\u1ec5 ti\u1ebfp c\u1eadn ngu\u1ed3n v\u1ed1n h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00f3 vay ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. B\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) v\u00e0 c\u00e1c d\u1eef li\u1ec7u thay th\u1ebf \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 t\u00edn nhi\u1ec7m, qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t v\u00e0 gi\u1ea3i ng\u00e2n di\u1ec5n ra nhanh ch\u00f3ng, linh ho\u1ea1t h\u01a1n.<\/p>\n

C\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m (Insurtech)<\/strong><\/span><\/h3>\n

Insurtech \u0111ang mang \u0111\u1ebfn s\u1ef1 thay \u0111\u1ed5i cho ng\u00e0nh b\u1ea3o hi\u1ec3m, t\u1eeb c\u00e1ch ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m cho \u0111\u1ebfn x\u1eed l\u00fd b\u1ed3i th\u01b0\u1eddng. C\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m vi m\u00f4 \u2013 thi\u1ebft k\u1ebf ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng nhu c\u1ea7u c\u00e1 nh\u00e2n v\u00e0 c\u00f3 th\u1ec3 mua tr\u1ef1c tuy\u1ebfn gi\u00fap nhi\u1ec1u ng\u01b0\u1eddi d\u1ec5 d\u00e0ng ti\u1ebfp c\u1eadn h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi ch\u01b0a t\u1eebng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc \u0111\u00e2y.<\/p>\n

C\u00f4ng ngh\u1ec7 qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n (Wealthtech)<\/strong><\/span><\/h3>\n

Ng\u00e0y nay, \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh kh\u00f4ng c\u00f2n l\u00e0 l\u0129nh v\u1ef1c d\u00e0nh ri\u00eang cho ng\u01b0\u1eddi c\u00f3 nhi\u1ec1u ti\u1ec1n hay chuy\u00ean m\u00f4n cao. V\u1edbi c\u00e1c \u1ee9ng d\u1ee5ng \u0111\u1ea7u t\u01b0 th\u00f4ng minh v\u00e0 robot c\u1ed1 v\u1ea5n (robo-advisor), ai c\u0169ng c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u v\u1edbi s\u1ed1 v\u1ed1n nh\u1ecf v\u00e0 th\u1ef1c hi\u1ec7n giao d\u1ecbch ch\u1ec9 b\u1eb1ng v\u00e0i thao t\u00e1c tr\u00ean \u0111i\u1ec7n tho\u1ea1i.<\/p>\n

Blockchain v\u00e0 t\u00e0i s\u1ea3n s\u1ed1<\/strong><\/span><\/h3>\n

D\u00f9 c\u00f2n \u0111ang trong giai \u0111o\u1ea1n th\u1eed nghi\u1ec7m \u1edf nhi\u1ec1u qu\u1ed1c gia, c\u00f4ng ngh\u1ec7 chu\u1ed7i kh\u1ed1i (blockchain) cho th\u1ea5y ti\u1ec1m n\u0103ng trong vi\u1ec7c t\u0103ng t\u00ednh minh b\u1ea1ch v\u00e0 b\u1ea3o m\u1eadt cho c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t trong vi\u1ec7c chuy\u1ec3n ti\u1ec1n qu\u1ed1c t\u1ebf v\u00e0 t\u00e0i tr\u1ee3 th\u01b0\u01a1ng m\u1ea1i.<\/p>\n

T\u00e0i ch\u00ednh nh\u00fang (Embedded Finance)<\/strong><\/span><\/h3>\n

Thay v\u00ec ch\u1ec9 d\u00f9ng \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh nh\u01b0 vay, tr\u1ea3 g\u00f3p, mua b\u1ea3o hi\u1ec3m ngay tr\u00ean c\u00e1c n\u1ec1n t\u1ea3ng quen thu\u1ed9c nh\u01b0 \u1ee9ng d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed hay g\u1ecdi xe. V\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 c\u00e1c d\u1ecbch v\u1ee5 mua tr\u01b0\u1edbc, tr\u1ea3 sau \u0111ang xu\u1ea5t hi\u1ec7n ng\u00e0y c\u00e0ng nhi\u1ec1u.<\/p>\n

\"L\u00e0n
L\u00e0n s\u00f3ng Fintech \u0111ang ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng trong ng\u00e0nh t\u00e0i ch\u00ednh<\/figcaption><\/figure>\n

T\u00e0i ch\u00ednh m\u1edf (Open Banking\/Open Finance)<\/strong><\/span><\/h3>\n

Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 \u0111\u1ed3ng \u00fd chia s\u1ebb d\u1eef li\u1ec7u t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty Fintech \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p h\u01a1n. Nh\u1edd \u0111\u00f3, h\u1ecd c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd nhi\u1ec1u t\u00e0i kho\u1ea3n trong c\u00f9ng m\u1ed9t n\u1ec1n t\u1ea3ng, thu\u1eadn ti\u1ec7n h\u01a1n v\u00e0 ti\u1ebft ki\u1ec7m th\u1eddi gian.<\/p>\n

Fintech xanh v\u00e0 t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng<\/strong><\/span><\/h3>\n

Nhi\u1ec1u c\u00f4ng ty Fintech \u0111ang t\u00edch c\u1ef1c tham gia v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng v\u00ec m\u00f4i tr\u01b0\u1eddng v\u00e0 c\u1ed9ng \u0111\u1ed3ng. H\u1ecd ph\u00e1t tri\u1ec3n c\u00e1c n\u1ec1n t\u1ea3ng \u0111\u1ea7u t\u01b0 xanh, theo d\u00f5i l\u01b0\u1ee3ng kh\u00ed th\u1ea3i carbon, ho\u1eb7c cung c\u1ea5p s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh \u01b0u \u0111\u00e3i cho nh\u1eefng d\u1ef1 \u00e1n h\u01b0\u1edbng t\u1edbi ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng.<\/p>\n

C\u01a1 h\u1ed9i h\u1ee3p t\u00e1c v\u00e0 chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n trong k\u1ef7 nguy\u00ean Fintech<\/span><\/h2>\n

S\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a Fintech kh\u00f4ng \u0111\u1eb7t ng\u00e0nh t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng v\u00e0o th\u1ebf \u0111\u1ed1i \u0111\u1ea7u m\u00e0 m\u1edf ra m\u1ed9t t\u01b0\u01a1ng lai h\u1ee3p t\u00e1c c\u00f9ng ph\u00e1t tri\u1ec3n. Fintech kh\u00f4ng lo\u1ea1i b\u1ecf ng\u00e2n h\u00e0ng, ng\u01b0\u1ee3c l\u1ea1i, hai b\u00ean c\u00f3 th\u1ec3 b\u1ed5 sung cho nhau \u0111\u1ec3 t\u1ea1o ra m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh n\u0103ng \u0111\u1ed9ng, to\u00e0n di\u1ec7n v\u00e0 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng.<\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng c\u00f3 l\u1ee3i th\u1ebf v\u1ec1 uy t\u00edn th\u01b0\u01a1ng hi\u1ec7u, h\u1ec7 th\u1ed1ng kh\u00e1ch h\u00e0ng r\u1ed9ng l\u1edbn v\u00e0 s\u1ef1 am hi\u1ec3u s\u00e2u s\u1eafc c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd. Trong khi \u0111\u00f3, c\u00e1c c\u00f4ng ty Fintech l\u1ea1i s\u1edf h\u1eefu tinh th\u1ea7n \u0111\u1ed5i m\u1edbi, c\u00f4ng ngh\u1ec7 linh ho\u1ea1t v\u00e0 kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng nhanh v\u1edbi nhu c\u1ea7u ng\u01b0\u1eddi d\u00f9ng s\u1ed1.<\/p>\n

V\u00ec v\u1eady, khi h\u1ee3p t\u00e1c, ng\u00e2n h\u00e0ng v\u00e0 Fintech c\u00f3 th\u1ec3 c\u00f9ng nhau thi\u1ebft k\u1ebf nh\u1eefng s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i, d\u1ec5 ti\u1ebfp c\u1eadn, t\u1eeb \u0111\u00f3 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 m\u1edf r\u1ed9ng c\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng.<\/p>\n

Kh\u00f4ng d\u1eebng l\u1ea1i \u1edf s\u1ef1 k\u1ebft n\u1ed1i gi\u1eefa Fintech v\u00e0 ng\u00e2n h\u00e0ng, xu h\u01b0\u1edbng x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i t\u00edch h\u1ee3p nhi\u1ec1u d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh, t\u1eeb thanh to\u00e1n, b\u1ea3o hi\u1ec3m, \u0111\u1ea7u t\u01b0 \u0111\u1ebfn cho vay \u0111ang ng\u00e0y c\u00e0ng r\u00f5 r\u1ec7t. C\u00e1c doanh nghi\u1ec7p Fintech th\u00e0nh c\u00f4ng kh\u00f4ng ch\u1ec9 ph\u00e1t tri\u1ec3n m\u1ed9t s\u1ea3n ph\u1ea9m \u0111\u01a1n l\u1ebb m\u00e0 t\u1ea1o n\u00ean n\u1ec1n t\u1ea3ng \u0111a n\u0103ng, ti\u1ec7n l\u1ee3i, gi\u1eef ch\u00e2n ng\u01b0\u1eddi d\u00f9ng nh\u1edd tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch v\u00e0 c\u00e1 nh\u00e2n h\u00f3a.<\/p>\n

Nh\u01b0 v\u1eady, Fintech kh\u00f4ng \u0111\u01a1n thu\u1ea7n l\u00e0 m\u1ed9t b\u01b0\u1edbc ti\u1ebfn c\u00f4ng ngh\u1ec7 m\u00e0 l\u00e0 m\u1ed9t cu\u1ed9c chuy\u1ec3n m\u00ecnh c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh, h\u01b0\u1edbng \u0111\u1ebfn s\u1ef1 minh b\u1ea1ch, hi\u1ec7u qu\u1ea3. \u0110\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, t\u1eeb startup m\u1edbi th\u00e0nh l\u1eadp \u0111\u1ebfn doanh nghi\u1ec7p l\u00e2u \u0111\u1eddi, ch\u00eca kh\u00f3a th\u00e0nh c\u00f4ng n\u1eb1m \u1edf s\u1ef1 ch\u1ee7 \u0111\u1ed9ng th\u00edch nghi, h\u1ee3p t\u00e1c v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1ed9t c\u00e1ch th\u00f4ng minh.<\/p>\n

Ch\u00ednh trong b\u1ed1i c\u1ea3nh \u0111\u00f3, vi\u1ec7c \u0111\u00e0o t\u1ea1o ngu\u1ed3n nh\u00e2n l\u1ef1c t\u00e0i ch\u00ednh c\u00f3 t\u01b0 duy m\u1edf, gi\u1ecfi c\u00f4ng ngh\u1ec7 v\u00e0 am hi\u1ec3u b\u1ed1i c\u1ea3nh to\u00e0n c\u1ea7u l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t. C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u0111\u00e0o t\u1ea1o hi\u1ec7n \u0111\u1ea1i nh\u01b0 ng\u00e0nh T\u00e0i ch\u00ednh t\u1ea1i Asia University Vietnam \u2013 ch\u01b0\u01a1ng tr\u00ecnh li\u00ean k\u1ebft qu\u1ed1c t\u1ebf gi\u1eefa Tr\u01b0\u1eddng \u0110\u1ea1i h\u1ecdc FPT, T\u1eadp \u0111o\u00e0n FPT v\u00e0\u00a0 Asia University, \u0110\u00e0i Loan (Trung Qu\u1ed1c)\u00a0 \u0111ang b\u1eaft nh\u1ecbp xu h\u01b0\u1edbng n\u00e0y.<\/p>\n

Sinh vi\u00ean kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c trang b\u1ecb ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh n\u1ec1n t\u1ea3ng m\u00e0 c\u00f2n \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi nh\u01b0 AI, blockchain, d\u1eef li\u1ec7u l\u1edbn v\u00e0 t\u01b0 duy \u0111\u1ed5i m\u1edbi s\u00e1ng t\u1ea1o,..<\/p>\n

V\u1edbi chi\u1ebfn l\u01b0\u1ee3c \u0111\u00fang \u0111\u1eafn, tinh th\u1ea7n c\u1edfi m\u1edf v\u00e0 h\u1ec7 sinh th\u00e1i h\u1ee3p t\u00e1c hi\u1ec7u qu\u1ea3 gi\u1eefa c\u00e1c b\u00ean, t\u1eeb doanh nghi\u1ec7p, nh\u00e0 n\u01b0\u1edbc \u0111\u1ebfn c\u01a1 s\u1edf \u0111\u00e0o t\u1ea1o, ng\u00e0nh T\u00e0i ch\u00ednh t\u1ea1i Asia University Vietnam \u0111ang g\u00f3p ph\u1ea7n \u0111\u1ecbnh h\u00ecnh m\u1ed9t t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh s\u1ed1 b\u1ec1n v\u1eefng v\u00e0 ph\u00e1t tri\u1ec3n to\u00e0n di\u1ec7n.<\/p>\n","protected":false},"excerpt":{"rendered":"

Fintech \u2013 s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ngh\u1ec7 \u0111ang t\u1ea1o n\u00ean l\u00e0n s\u00f3ng thay \u0111\u1ed5i m\u1ea1nh m\u1ebd trong c\u00e1ch con ng\u01b0\u1eddi giao d\u1ecbch, ti\u1ebft ki\u1ec7m, \u0111\u1ea7u t\u01b0 v\u00e0 ti\u1ebfp c\u1eadn v\u1ed1n. Hi\u1ec7n nay, th\u1ebf gi\u1edbi \u0111ang ch\u1ee9ng ki\u1ebfn s\u1ef1 b\u00f9ng n\u1ed5 c\u1ee7a C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech). Fintech kh\u00f4ng c\u00f2n l\u00e0 kh\u00e1i<\/p>\n","protected":false},"author":2,"featured_media":34701,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-34700","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc-chung"],"_links":{"self":[{"href":"https:\/\/asia-vn.edu.vn\/en\/wp-json\/wp\/v2\/posts\/34700","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/asia-vn.edu.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/asia-vn.edu.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/asia-vn.edu.vn\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/asia-vn.edu.vn\/en\/wp-json\/wp\/v2\/comments?post=34700"}],"version-history":[{"count":0,"href":"https:\/\/asia-vn.edu.vn\/en\/wp-json\/wp\/v2\/posts\/34700\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/asia-vn.edu.vn\/en\/wp-json\/wp\/v2\/media\/34701"}],"wp:attachment":[{"href":"https:\/\/asia-vn.edu.vn\/en\/wp-json\/wp\/v2\/media?parent=34700"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/asia-vn.edu.vn\/en\/wp-json\/wp\/v2\/categories?post=34700"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/asia-vn.edu.vn\/en\/wp-json\/wp\/v2\/tags?post=34700"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}