BỘ GIÁO DỤC VÀ ĐÀO TẠO NGÂN HÀNG NHÀ NƢỚC VIỆT NAM
TRƢỜNG ĐẠI HỌC NGÂN HÀNG TP.HỒ CHÍ MINH
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LÊ ĐẶNG THÙY MAI
THANH TOÁN TRÊN CÁC THIẾT BỊ DI ĐỘNG TRONG
THỊ TRƢỜNG KINH TẾ SỐ HÓA THỜI ĐẠI 4.0 Ở VIỆT
NAM
KHÓA LUẬN TỐT NGHIỆP
CHUYÊN NGÀNH: TÀI CHÍNH - NGÂN HÀNG
MÃ SỐ: 7340201
NGƢỜI HƢỚNG DẪN KHOA HỌC
TS.TRẦN TRỌNG HUY
TP.HỒ CHÍ MINH, NĂM 2018
TÓM TẮT
u h y u ng ngh tr n th gi i ng i n r s i ng h n o gi h t
khi n ho m i ng vi n gi n h y ph t p ng th ho n th nh v i hi
i n tho i th ng minh nh g n trong t m t y trong t h t . N m b t xu th phát
tri n công ngh thanh toán trên th gi i v nh n nh n nh ng l i h v t tr i
m ph ng n th nh to n n y m ng l i, th nh to n tr n thi t i ng t i Vi t
N m ng trong gi i o n ng n v r t n nh ng ng g p t h ph t tri n
h n n ng nh ng i n ph p th ng k m t thu th p t i li u t nhi u ngu n
nghi n u v so s nh t gi r nh ng nh gi tr n t nh h nh th t
nh m h r nh ng i m h n h tr ng i n t n t i ph ng n th nh to n n y
t i Vi t N m v r nh ng ph ng n kh ph n nh ng kh ng th
qu nh ng l i th v h i n n m t t n ng v ph t huy ph t tri n.
V i m t qu gi n s tr t l s ng ti n m t trong l u th ng n o th Vi t
N m r t ti m n ng trong xu h ng th nh to n i ng Tuy nhi n s ph n m nh
ng ngh m i tr ng ph p l v t nh n to n trong n n t ng ng ngh th ng tin l
nh ng th th h l n n ph i gi i quy t ng nh ng gi i ph p s ng t o h h i t
kinh nghi m qu t qu n tr ng nh t l s qu n t m Nh n v s hung t y
h p t n th m gi v o gi i ph p th nh to n i ng ng v i h th ng
Ng n h ng t i Vi t N m t o i u ki n ho th nh to n qu thi t i ng t i Vi t
Nam phát tri n an toàn, hi u qu v n v ng.
SUMMARY
We are living in the 4.0 industrial revolution, this is no longer news of a future
event, this technological revolution has changed the way things running. Everyday,
the news about this trend are reported on social media. Almost all countries in the
world racing on technology improvements. In order to improve the position and the
quality of human life, Vietnam is now beginning its first steps in the digital
development process.
Smartphones have become attached to the lives of people because of the practical
role. Not only be a communications device, but smartphones also play a role in
entertainment, learning, working, health monitoring, shopping, life management,
paying bills. It seems like the ability to work in diversified field by only a
smartphone is growing. That is the reason why the demand for smartphones is
increasing. With the advancement of technology, the introduction of mobile
payment products and services in the 4.0 era is essential.
The technology race is taking place more exciting than ever, making any simple
or complex task can be accomplished with a compact smartphone just in the blink
of an eye. Captured the trend of developing payment technology in the world and
found the outstanding benefits of this payment method, the payment via mobile
devices in Vietnam is in the blooming stage and we need positive contribution for
further development. This trend not only changes the way payments, but also
creates and promotes new business models, changes consumer behavior.
By using methods such as descriptive statistics and data collection from various
sources, the author makes a realistic evaluation to show limits and issues of this
payment method in Vietnam. Beside that, it‟s in p le to ignore the advantages
and opportunities that need to be catched and used for development. Having a
young population and the high rate of cash-using in monetary circulation, Vietnam
has great potential in the mobile payment trend. However, technological
fragmentation, regulatory environment and security in the information technology
platform are heavy challenges that need to be solved by creative solutions, learning
from the international experiences. But the most important thing is the concern of
Government and the cooperation of the involved parties in mobile payment with the
banking system in Vietnam, facilitating the payment via mobile devices in Vietnam
has safe, effective, sustainable development.
Summary Chapter 1
In chapter 1, the author presents the basic theory of mobile payment trends in the
digital age in Vietnam. Firstly, author mention about the context of mobile
payments – Indistrial Revolution 4 0 n nswer the question “Wh t is mo ile
p yment?” At the next specific content covers the concepts, the development
history of mobile payments, classification of mobile payments, operating models,
supporting devices as well as the conditions for this payment activities, their role for
the state, banks, companies and also people in our country. Finally, criteria for
evaluation are given to analysis situation of mobile payment development. Base on
understanding about basic meaning of mobile payment, which helps reader to have
basic knowledges and right direction to chapter 2.
Summary Chapter 2
In Chapter 2, to help readers understand the development of mobile payment in
Vietnam market. The author presents specific contents including the situations of
the e-commerce market, the banks, Fintech units, the legal corridor, the dynamics
and the current direction of the state. It also points to the volatility of the market that
will affect mobile payments. Vietnam's advantage is being a developing country
with a young population structure, so it is very easy to update new technology
trends. Payment methods via smartphone started few years in Viet Nam, althought it
brings many benefits but also has a lot of weakness that need to be improved. And
the biggest weakness is security – the field that big counties must also be careful.
Moreover it‟s quite iffi ult to h nge the using sh h it of people e use they
have many reason to not choose to trust mobile payment method. Because of
working together on the digital technology platform so ecommerce development is
also an important lever for payment on mobile devices.
Following the experts, because of being a brand-new market, Vietnam has many
opportunities and potential development. The Government of Vietnam has plans to
focus on developing mobile payments as a key target in the coming years. Therefore,
the banking system, fintech companies, retailers in Vietnam need to cooperate to
speed up the evolution of mobile payments.
Summary Chapter 3
Apply the technology on payment system to replace cash completely changed the
definition of traditional cash transactions, helping the Bank to change its operating
process become more efficiently and profitably, enterprise and Fintech companies
have more development opportunities, the way that people manage finance is more
convenient.
In Chapter 3, based on the direction of the government with the goal of non-cash
society and sustainable economy, author contribute some solutions that may help in
the intention of overcoming the weaknesses of mobile payments. By consulting the
experts in this field and the author's own knowledge, there are solutions to progress
payment by mobile devices. These recommendations for the State to facilitate for
mobile payment by reform include legal system, security and pay attention on
technology update. About the banks and Fintech company, it is important to focus
to enhance quality of produce and service and customers care, while also taking the
initiative in ensuring the security of information technology. As mentioned in
Chapter 2, changing consumer habits from using cash to mobile payment will take