{"id":11378,"date":"2025-12-29T09:01:01","date_gmt":"2025-12-29T02:01:01","guid":{"rendered":"https:\/\/onesme.vn\/blog\/?p=11378"},"modified":"2026-01-20T09:03:51","modified_gmt":"2026-01-20T02:03:51","slug":"nen-tang-ha-tang-so-hien-dai-cho-giao-dich-tai-chinh-so-bung-no","status":"publish","type":"post","link":"https:\/\/onesme.vn\/blog\/tin-tuc-su-kien\/nen-tang-ha-tang-so-hien-dai-cho-giao-dich-tai-chinh-so-bung-no.html","title":{"rendered":"N\u1ec1n t\u1ea3ng h\u1ea1 t\u1ea7ng s\u1ed1 hi\u1ec7n \u0111\u1ea1i cho giao d\u1ecbch t\u00e0i ch\u00ednh s\u1ed1 b\u00f9ng n\u1ed5"},"content":{"rendered":"
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C\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh s\u1ed1 b\u00f9ng n\u1ed5 \u0111\u00f2i h\u1ecfi h\u1ea1 t\u1ea7ng m\u1ea1ng \u201clu\u00f4n b\u1eadt\u201d m\u1ecdi l\u00fac m\u1ecdi n\u01a1i.
\nNg\u00e0nh ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh v\u00e0 ch\u1ee9ng kho\u00e1n t\u1ea1i Vi\u1ec7t Nam \u0111ang b\u01b0\u1edbc v\u00e0o k\u1ef7 nguy\u00ean giao d\u1ecbch 24\/7, khi kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n m\u1ecdi ho\u1ea1t \u0111\u1ed9ng tr\u1ef1c tuy\u1ebfn m\u1ecdi l\u00fac, k\u1ec3 c\u1ea3 ngo\u00e0i gi\u1edd h\u00e0nh ch\u00ednh.<\/p>\n<\/div>\n

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Nh\u1eefng th\u00e1ch th\u1ee9c h\u1ea1 t\u1ea7ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh<\/b><\/p>\n

S\u1ed1 li\u1ec7u 9 th\u00e1ng \u0111\u1ea7u n\u0103m 2025 cho th\u1ea5y t\u1ed5ng s\u1ed1 giao d\u1ecbch thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t t\u0103ng h\u01a1n 43% v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m tr\u01b0\u1edbc. \u0110\u1eb7c bi\u1ec7t, l\u01b0\u1ee3ng giao d\u1ecbch qua Internet Banking t\u0103ng 51,2%, qua Mobile Banking t\u0103ng 37,3%, ph\u1ea3n \u00e1nh xu h\u01b0\u1edbng s\u1ed1 h\u00f3a m\u1ea1nh m\u1ebd trong d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. Tr\u00ean th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, s\u1ed1 l\u01b0\u1ee3ng nh\u00e0 \u0111\u1ea7u t\u01b0 c\u0169ng \u0111\u1ea1t k\u1ef7 l\u1ee5c v\u1edbi h\u01a1n 10,75 tri\u1ec7u t\u00e0i kho\u1ea3n (t\u00ednh \u0111\u1ebfn cu\u1ed1i th\u00e1ng 8\/2025) \u2013 t\u0103ng 1,45 tri\u1ec7u t\u00e0i kho\u1ea3n so v\u1edbi \u0111\u1ea7u n\u0103m.<\/p>\n

\"giao-dich-tai-chinh-so-dien-ra-nhanh-chong-an-toan-nho-nen-tang-ha-tang-cong-nghe-hien-dai.jpg\"<\/figure>\n

S\u1ef1 b\u00f9ng n\u1ed5 giao d\u1ecbch \u0111i\u1ec7n t\u1eed 24\/7 \u0111\u1eb7t ra b\u00e0i to\u00e1n l\u1edbn v\u1ec1 \u0111\u1ed9 \u1ed5n \u0111\u1ecbnh v\u00e0 li\u00ean t\u1ee5c c\u1ee7a h\u1ea1 t\u1ea7ng truy\u1ec1n s\u1ed1 li\u1ec7u. Kh\u00e1c v\u1edbi giao d\u1ecbch truy\u1ec1n th\u1ed1ng ch\u1ec9 di\u1ec5n ra trong gi\u1edd l\u00e0m vi\u1ec7c, c\u00e1c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng s\u1ed1, v\u00ed \u0111i\u1ec7n t\u1eed hay s\u00e0n ch\u1ee9ng kho\u00e1n tr\u1ef1c tuy\u1ebfn hi\u1ec7n ph\u1ea3i s\u1eb5n s\u00e0ng ph\u1ee5c v\u1ee5 b\u1ea5t k\u1ec3 ng\u00e0y \u0111\u00eam. Ch\u1ec9 m\u1ed9t gi\u00e2y gi\u00e1n \u0111o\u1ea1n k\u1ebft n\u1ed1i c\u0169ng c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn doanh thu v\u00e0 tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng, \u0111\u1eb7c bi\u1ec7t trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh n\u01a1i m\u1ecdi giao d\u1ecbch \u0111\u1ec1u quan tr\u1ecdng.<\/p>\n

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Tr\u01b0\u1edbc r\u1ee7i ro gi\u00e1n \u0111o\u1ea1n n\u00f3i tr\u00ean, c\u00e1c chuy\u00ean gia v\u00e0 nh\u00e0 qu\u1ea3n l\u00fd nh\u1ea5n m\u1ea1nh y\u00eau c\u1ea7u n\u00e2ng cao \u0111\u1ed9 tin c\u1eady c\u1ee7a h\u1ea1 t\u1ea7ng CNTT trong ng\u00e0nh t\u00e0i ch\u00ednh. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111ang l\u1ea5y \u00fd ki\u1ebfn D\u1ef1 th\u1ea3o th\u00f4ng t\u01b0 s\u1eeda \u0111\u1ed5i, b\u1ed5 sung Th\u00f4ng t\u01b0 15, quy \u0111\u1ecbnh v\u1ec1 d\u1ecbch v\u1ee5 thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t. M\u1ed9t n\u1ed9i dung m\u1edbi \u0111\u01b0\u1ee3c \u0111\u01b0a ra l\u00e0 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 v\u1ec1 th\u1eddi gian t\u1ed1i \u0111a c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng, v\u00ed \u0111i\u1ec7n t\u1eed tr\u1ef1c tuy\u1ebfn b\u1ecb gi\u00e1n \u0111o\u1ea1n. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam \u0111\u1ec1 xu\u1ea5t quy \u0111\u1ecbnh gi\u1edbi h\u1ea1n th\u1eddi gian gi\u00e1n \u0111o\u1ea1n d\u1ecbch v\u1ee5 tr\u1ef1c tuy\u1ebfn t\u1ed1i \u0111a 30 ph\u00fat m\u1ed7i l\u1ea7n (tr\u1eeb tr\u01b0\u1eddng h\u1ee3p b\u1ea5t kh\u1ea3 kh\u00e1ng ho\u1eb7c b\u1ea3o tr\u00ec c\u00f3 b\u00e1o tr\u01b0\u1edbc), v\u00e0 t\u1ed5ng c\u1ed9ng kh\u00f4ng qu\u00e1 4 gi\u1edd m\u1ed7i n\u0103m.<\/p>\n

\u0110i\u1ec1u n\u00e0y \u0111\u1ed3ng ngh\u0129a h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng, trung gian thanh to\u00e1n ph\u1ea3i x\u00e2y d\u1ef1ng n\u0103ng l\u1ef1c ph\u1ee5c h\u1ed3i nhanh sau s\u1ef1 c\u1ed1, gi\u1ea3m thi\u1ec3u t\u1ed1i \u0111a th\u1eddi gian downtime. N\u1ebfu x\u1ea3y ra s\u1ef1 c\u1ed1 qu\u00e1 30 ph\u00fat, \u0111\u01a1n v\u1ecb cung \u1ee9ng d\u1ecbch v\u1ee5 ph\u1ea3i b\u00e1o c\u00e1o c\u01a1 quan qu\u1ea3n l\u00fd trong v\u00f2ng 4 gi\u1edd v\u00e0 g\u1eedi b\u00e1o c\u00e1o \u0111\u1ea7y \u0111\u1ee7 trong 3 ng\u00e0y l\u00e0m vi\u1ec7c sau khi kh\u1eafc ph\u1ee5c. Quy \u0111\u1ecbnh kh\u1eaft khe n\u00e0y nh\u1eb1m b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng v\u00e0 n\u00e2ng cao tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u00e2n h\u00e0ng trong vi\u1ec7c \u0111\u1ea3m b\u1ea3o d\u1ecbch v\u1ee5 th\u00f4ng su\u1ed1t. C\u00e1c chuy\u00ean gia cho bi\u1ebft nhi\u1ec1u qu\u1ed1c gia c\u0169ng \u00e1p d\u1ee5ng ti\u00eau chu\u1ea9n t\u01b0\u01a1ng t\u1ef1, th\u1eadm ch\u00ed cao h\u01a1n.<\/p>\n

\"le-ky-ket-thoa-thuan-hop-tac-toan-dien-giua-lpbank-va-tap-doan-vnpt.jpg\"<\/figure>\n
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Gi\u1ea3i ph\u00e1p h\u1ea1 t\u1ea7ng truy\u1ec1n s\u1ed1 li\u1ec7u t\u1ed1i \u01b0u \u0111\u1ebfn t\u1eeb VNPT<\/b><\/p>\n

VNPT l\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 vi\u1ec5n th\u00f4ng \u2013 c\u00f4ng ngh\u1ec7 th\u00f4ng tin h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam v\u00e0 c\u0169ng l\u00e0 m\u1ed9t \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c nh\u1edd m\u1ea1ng l\u01b0\u1edbi r\u1ed9ng kh\u1eafp v\u00e0 d\u1ecbch v\u1ee5 chuy\u00ean bi\u1ec7t. MPLS-VPN (Metronet, MegaWAN) l\u00e0 d\u1ecbch v\u1ee5 m\u1ea1ng ri\u00eang \u1ea3o l\u1edbp 2 v\u00e0 l\u1edbp 3 tr\u00ean n\u1ec1n t\u1ea3ng MPLS do VNPT cung c\u1ea5p, cho ph\u00e9p doanh nghi\u1ec7p t\u00e0i ch\u00ednh k\u1ebft n\u1ed1i an to\u00e0n t\u1ea5t c\u1ea3 chi nh\u00e1nh tr\u00ean m\u1ed9t m\u1ea1ng duy nh\u1ea5t. H\u1ea1 t\u1ea7ng MPLS c\u1ee7a VNPT \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111a d\u1ea1ng \u0111\u01b0\u1eddng tr\u1ee5c, tr\u00e1nh \u0111i\u1ec3m ngh\u1ebdn, \u0111\u1ed3ng th\u1eddi h\u1ed7 tr\u1ee3 nhi\u1ec1u m\u00f4 h\u00ecnh k\u1ebft n\u1ed1i (\u0111i\u1ec3m – \u0111i\u1ec3m, \u0111i\u1ec3m – \u0111a \u0111i\u1ec3m, \u0111a \u0111i\u1ec3m – \u0111a \u0111i\u1ec3m) \u0111\u00e1p \u1ee9ng nhu c\u1ea7u tri\u1ec3n khai linh ho\u1ea1t c\u1ee7a ng\u00e2n h\u00e0ng. V\u1edbi kinh nghi\u1ec7m l\u00e2u n\u0103m v\u00e0 \u0111\u1ed9i ng\u0169 k\u1ef9 thu\u1eadt chuy\u00ean tr\u00e1ch, VNPT h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng 24\/7 t\u1eeb kh\u00e2u t\u01b0 v\u1ea5n thi\u1ebft k\u1ebf m\u1ea1ng cho \u0111\u1ebfn v\u1eadn h\u00e0nh, t\u1ed1i \u01b0u.<\/p>\n

Y\u1ebfu t\u1ed1 l\u00e0m n\u00ean kh\u00e1c bi\u1ec7t c\u1ee7a VNPT l\u00e0 \u0111\u1ed9 tin c\u1eady v\u00e0 ph\u1ea1m vi d\u1ecbch v\u1ee5. VNPT c\u00f3 h\u1ea1 t\u1ea7ng c\u00e1p quang tr\u1ea3i r\u1ed9ng 34 t\u1ec9nh th\u00e0nh, nhi\u1ec1u tuy\u1ebfn \u0111\u01b0\u1eddng tr\u1ee5c B\u1eafc-Nam v\u00e0 k\u1ebft n\u1ed1i qu\u1ed1c t\u1ebf dung l\u01b0\u1ee3ng l\u1edbn. Tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u ng\u00e2n h\u00e0ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m, ch\u1ee9ng kho\u00e1n \u0111\u00e3 tin t\u01b0\u1edfng ch\u1ecdn VNPT l\u00e0m \u0111\u1ed1i t\u00e1c cung c\u1ea5p k\u00eanh truy\u1ec1n s\u1ed1 li\u1ec7u ri\u00eang b\u1edfi ch\u1ea5t l\u01b0\u1ee3ng \u1ed5n \u0111\u1ecbnh v\u00e0 kh\u1ea3 n\u0103ng h\u1ed7 tr\u1ee3 k\u1ecbp th\u1eddi nh\u01b0 Techcombank, Vietcombank, BIDV, LPBank, B\u1ea3o hi\u1ec3m BIC, Agribank,\u2026<\/p>\n

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V\u1edbi vai tr\u00f2 l\u00e0 t\u1eadp \u0111o\u00e0n vi\u1ec5n th\u00f4ng ch\u1ee7 l\u1ef1c qu\u1ed1c gia, VNPT \u0111ang t\u00edch c\u1ef1c \u0111\u1ed3ng h\u00e0nh c\u00f9ng ng\u00e0nh t\u00e0i ch\u00ednh \u2013 ng\u00e2n h\u00e0ng trong c\u00f4ng cu\u1ed9c chuy\u1ec3n \u0111\u1ed5i s\u1ed1. H\u1ea1 t\u1ea7ng truy\u1ec1n s\u1ed1 li\u1ec7u v\u1eefng ch\u1eafc, b\u1ea3o m\u1eadt, th\u00f4ng su\u1ed1t 24\/7 m\u00e0 VNPT cung c\u1ea5p ch\u00ednh l\u00e0 b\u1ec7 ph\u00f3ng gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng, doanh nghi\u1ec7p t\u00e0i ch\u00ednh y\u00ean t\u00e2m ph\u00e1t tri\u1ec3n d\u1ecbch v\u1ee5 m\u1edbi v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng trong k\u1ef7 nguy\u00ean s\u1ed1.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh s\u1ed1 b\u00f9ng n\u1ed5 \u0111\u00f2i h\u1ecfi h\u1ea1 t\u1ea7ng m\u1ea1ng \u201clu\u00f4n b\u1eadt\u201d m\u1ecdi l\u00fac m\u1ecdi n\u01a1i. Ng\u00e0nh ng\u00e2n h\u00e0ng, t\u00e0i ch\u00ednh v\u00e0 ch\u1ee9ng kho\u00e1n t\u1ea1i Vi\u1ec7t Nam \u0111ang b\u01b0\u1edbc v\u00e0o k\u1ef7 nguy\u00ean giao d\u1ecbch 24\/7, khi kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n m\u1ecdi ho\u1ea1t \u0111\u1ed9ng tr\u1ef1c tuy\u1ebfn m\u1ecdi l\u00fac, k\u1ec3 c\u1ea3 ngo\u00e0i […]<\/p>\n","protected":false},"author":35,"featured_media":11315,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":{"0":"post-11378","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-tin-tuc-su-kien"},"_links":{"self":[{"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/posts\/11378","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/users\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/comments?post=11378"}],"version-history":[{"count":1,"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/posts\/11378\/revisions"}],"predecessor-version":[{"id":11379,"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/posts\/11378\/revisions\/11379"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/media\/11315"}],"wp:attachment":[{"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/media?parent=11378"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/categories?post=11378"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/onesme.vn\/blog\/wp-json\/wp\/v2\/tags?post=11378"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}