{"id":29137,"date":"2023-12-31T21:40:17","date_gmt":"2023-12-31T14:40:17","guid":{"rendered":"https:\/\/vtcpay.vn\/blog\/?p=29137"},"modified":"2024-08-08T15:56:30","modified_gmt":"2024-08-08T08:56:30","slug":"fintech-cong-nghe-tai-chinh-va-nhung-ung-dung-trong-cuoc-song","status":"publish","type":"post","link":"https:\/\/vtcpay.vn\/blog\/fintech-cong-nghe-tai-chinh-va-nhung-ung-dung-trong-cuoc-song.html","title":{"rendered":"Fintech &#8211; C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh v\u00e0 nh\u1eefng \u1ee9ng d\u1ee5ng trong cu\u1ed9c s\u1ed1ng"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69dd324bd85c6\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69dd324bd85c6\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/vtcpay.vn\/blog\/fintech-cong-nghe-tai-chinh-va-nhung-ung-dung-trong-cuoc-song.html\/#Gioi_thieu_ve_Fintech\" >Gi\u1edbi thi\u1ec7u v\u1ec1 Fintech<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/vtcpay.vn\/blog\/fintech-cong-nghe-tai-chinh-va-nhung-ung-dung-trong-cuoc-song.html\/#Cac_linh_vuc_va_ung_dung_cua_Fintech\" >C\u00e1c l\u0129nh v\u1ef1c v\u00e0 \u1ee9ng d\u1ee5ng c\u1ee7a Fintech<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/vtcpay.vn\/blog\/fintech-cong-nghe-tai-chinh-va-nhung-ung-dung-trong-cuoc-song.html\/#Thanh_toan_truc_tuyen\" >Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/vtcpay.vn\/blog\/fintech-cong-nghe-tai-chinh-va-nhung-ung-dung-trong-cuoc-song.html\/#Ngan_hang_so\" >Ng\u00e2n h\u00e0ng s\u1ed1<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/vtcpay.vn\/blog\/fintech-cong-nghe-tai-chinh-va-nhung-ung-dung-trong-cuoc-song.html\/#Dau_tu_truc_tuyen\" >\u0110\u1ea7u t\u01b0 tr\u1ef1c tuy\u1ebfn<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/vtcpay.vn\/blog\/fintech-cong-nghe-tai-chinh-va-nhung-ung-dung-trong-cuoc-song.html\/#Bao_hiem_truc_tuyen\" >B\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/vtcpay.vn\/blog\/fintech-cong-nghe-tai-chinh-va-nhung-ung-dung-trong-cuoc-song.html\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<p>Fintech l\u00e0 t\u1eeb vi\u1ebft t\u1eaft c\u1ee7a c\u1ee5m t\u1eeb &#8220;financial technology&#8221; (c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh), \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 ch\u1ec9 nh\u1eefng c\u00f4ng ty ho\u1eb7c s\u1ea3n ph\u1ea9m s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1edbi \u0111\u1ec3 c\u1ea1nh tranh ho\u1eb7c c\u1ea3i thi\u1ec7n c\u00e1c ph\u01b0\u01a1ng th\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1edbi thi\u1ec7u cho b\u1ea1n v\u1ec1 c\u00e1c l\u0129nh v\u1ef1c v\u00e0 \u1ee9ng d\u1ee5ng c\u1ee7a fintech trong cu\u1ed9c s\u1ed1ng, c\u0169ng nh\u01b0 nh\u1eefng l\u1ee3i \u00edch v\u00e0 th\u00e1ch th\u1ee9c c\u1ee7a fintech trong cu\u1ed9c c\u00e1ch m\u1ea1ng 4.0. B\u1ea1n s\u1ebd c\u00f2n \u0111\u01b0\u1ee3c t\u00ecm hi\u1ec3u v\u1ec1 th\u1ecb tr\u01b0\u1eddng fintech t\u1ea1i Vi\u1ec7t Nam, c\u0169ng nh\u01b0 m\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 fintech n\u1ed5i b\u1eadt, trong \u0111\u00f3 c\u00f3 v\u00ed \u0111i\u1ec7n t\u1eed VTC PAY, m\u1ed9t trong nh\u1eefng \u0111\u01a1n v\u1ecb cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n tr\u1ef1c tuy\u1ebfn h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam. H\u00e3y c\u00f9ng theo d\u00f5i nh\u00e9!<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Gioi_thieu_ve_Fintech\"><\/span><span style=\"color: #0000ff;\"><strong>Gi\u1edbi thi\u1ec7u v\u1ec1 Fintech<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_29145\" aria-describedby=\"caption-attachment-29145\" style=\"width: 900px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-29145\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/12\/dinh-nghia-fintech-la-gi-maychusaigon.jpg\" alt=\"fintech\" width=\"900\" height=\"550\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/12\/dinh-nghia-fintech-la-gi-maychusaigon.jpg 900w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/12\/dinh-nghia-fintech-la-gi-maychusaigon-300x183.jpg 300w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/12\/dinh-nghia-fintech-la-gi-maychusaigon-768x469.jpg 768w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/12\/dinh-nghia-fintech-la-gi-maychusaigon-696x425.jpg 696w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/12\/dinh-nghia-fintech-la-gi-maychusaigon-687x420.jpg 687w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/><figcaption id=\"caption-attachment-29145\" class=\"wp-caption-text\">dinh-nghia-fintech-la-gi-maychusaigon<\/figcaption><\/figure>\n<p>Fintech l\u00e0 t\u1eeb vi\u1ebft t\u1eaft c\u1ee7a c\u1ee5m t\u1eeb &#8220;financial technology&#8221; (c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh), \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 ch\u1ec9 nh\u1eefng c\u00f4ng ty ho\u1eb7c s\u1ea3n ph\u1ea9m s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1edbi \u0111\u1ec3 c\u1ea1nh tranh ho\u1eb7c c\u1ea3i thi\u1ec7n c\u00e1c ph\u01b0\u01a1ng th\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng.<\/p>\n<p>Fintech bao g\u1ed3m nhi\u1ec1u l\u0129nh v\u1ef1c v\u00e0 ng\u00e0nh ngh\u1ec1 kh\u00e1c nhau, nh\u01b0 ng\u00e2n h\u00e0ng, \u0111\u1ea7u t\u01b0, b\u1ea3o hi\u1ec3m, ti\u1ec1n \u0111i\u1ec7n t\u1eed, v.v. M\u1ee5c ti\u00eau c\u1ee7a fintech l\u00e0 gi\u00fap c\u00e1c doanh nghi\u1ec7p, ch\u1ee7 doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng qu\u1ea3n l\u00fd t\u1ed1t h\u01a1n c\u00e1c ho\u1ea1t \u0111\u1ed9ng, quy tr\u00ecnh v\u00e0 cu\u1ed9c s\u1ed1ng t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd. Fintech \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean c\u00e1c ph\u1ea7n m\u1ec1m v\u00e0 thu\u1eadt to\u00e1n chuy\u00ean bi\u1ec7t, \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng tr\u00ean m\u00e1y t\u00ednh v\u00e0 \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh.<\/p>\n<p>Fintech xu\u1ea5t hi\u1ec7n v\u00e0o th\u1ebf k\u1ef7 21, ban \u0111\u1ea7u \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng cho c\u00f4ng ngh\u1ec7 s\u1eed d\u1ee5ng \u1edf h\u1ec7 th\u1ed1ng ph\u00eda sau c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u1edbn, nh\u01b0 ng\u00e2n h\u00e0ng. T\u1eeb n\u0103m 2018 \u0111\u1ebfn nay, c\u00f3 s\u1ef1 chuy\u1ec3n d\u1ecbch sang c\u00e1c d\u1ecbch v\u1ee5 h\u01b0\u1edbng \u0111\u1ebfn ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n<p>Fintech hi\u1ec7n nay bao g\u1ed3m c\u1ea3 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p v\u00e0 c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ngh\u1ec7 l\u00e2u \u0111\u1eddi, \u0111\u1ec1u nh\u1eb1m thay th\u1ebf ho\u1eb7c n\u00e2ng cao c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh do c\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng cung c\u1ea5p, b\u1eb1ng c\u00e1ch linh ho\u1ea1t h\u01a1n, ph\u1ee5c v\u1ee5 cho m\u1ed9t ph\u00e2n kh\u00fac d\u00e2n s\u1ed1 b\u1ecb b\u1ecf r\u01a1i ho\u1eb7c cung c\u1ea5p d\u1ecbch v\u1ee5 nhanh h\u01a1n ho\u1eb7c t\u1ed1t h\u01a1n.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cac_linh_vuc_va_ung_dung_cua_Fintech\"><\/span><span style=\"color: #0000ff;\"><strong>C\u00e1c l\u0129nh v\u1ef1c v\u00e0 \u1ee9ng d\u1ee5ng c\u1ee7a Fintech<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Fintech c\u00f3 r\u1ea5t nhi\u1ec1u l\u0129nh v\u1ef1c v\u00e0 \u1ee9ng d\u1ee5ng kh\u00e1c nhau, t\u00f9y thu\u1ed9c v\u00e0o nhu c\u1ea7u v\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c v\u00e0 \u1ee9ng d\u1ee5ng ti\u00eau bi\u1ec3u c\u1ee7a Fintech:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thanh_toan_truc_tuyen\"><\/span><span style=\"color: #0000ff;\"><strong>Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn l\u00e0 m\u1ed9t trong nh\u1eefng l\u0129nh v\u1ef1c ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a Fintech, cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng g\u1eedi v\u00e0 nh\u1eadn ti\u1ec1n qua internet m\u1ed9t c\u00e1ch an to\u00e0n, nhanh ch\u00f3ng v\u00e0 ti\u1ec7n l\u1ee3i. C\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n tr\u1ef1c tuy\u1ebfn th\u01b0\u1eddng s\u1eed d\u1ee5ng c\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed, c\u1ed5ng thanh to\u00e1n ho\u1eb7c c\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch.<\/p>\n<p>C\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n tr\u1ef1c tuy\u1ebfn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho nhi\u1ec1u m\u1ee5c \u0111\u00edch, nh\u01b0 mua s\u1eafm tr\u1ef1c tuy\u1ebfn, thanh to\u00e1n h\u00f3a \u0111\u01a1n, chuy\u1ec3n ti\u1ec1n qu\u1ed1c t\u1ebf, v.v. M\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n tr\u1ef1c tuy\u1ebfn l\u00e0 PayPal, Stripe, Venmo, Zelle, v.v.<\/p>\n<p>M\u1ed9t d\u1ecbch v\u1ee5 thanh to\u00e1n tr\u1ef1c tuy\u1ebfn n\u1ed5i b\u1eadt t\u1ea1i Vi\u1ec7t Nam l\u00e0 VTC Pay, do T\u1ed5ng C\u00f4ng ty Truy\u1ec1n th\u00f4ng &#8211; D\u1ecbch v\u1ee5 Vi\u1ec5n th\u00f4ng (VTC) ph\u00e1t tri\u1ec3n v\u00e0 qu\u1ea3n l\u00fd. VTC Pay l\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed, c\u1ed5ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn t\u1ea1i Vi\u1ec7t Nam, cung c\u1ea5p \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng ti\u1ec7n \u00edch thanh to\u00e1n ti\u1ec7n l\u1ee3i. V\u1edbi VTC Pay, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 n\u1ea1p ti\u1ec1n v\u00e0 thanh to\u00e1n mi\u1ec5n ph\u00ed qua 37 ng\u00e2n h\u00e0ng n\u1ed9i \u0111\u1ecba tr\u00ean to\u00e0n qu\u1ed1c. N<\/p>\n<p>go\u00e0i ra, VTC Pay c\u00f2n h\u1ed7 tr\u1ee3 n\u1ea1p ti\u1ec1n v\u00e0 thanh to\u00e1n cho nhi\u1ec1u d\u1ecbch v\u1ee5 kh\u00e1c, nh\u01b0 n\u1ea1p ti\u1ec1n \u0111i\u1ec7n tho\u1ea1i, data 3G\/4G, th\u1ebb game, n\u1ea1p game, \u0111i\u1ec7n, n\u01b0\u1edbc, truy\u1ec1n h\u00ecnh, internet, h\u00f3a \u0111\u01a1n VNPT, Google Play, d\u1ecbch v\u1ee5 VieON, n\u1ea1p ti\u1ec1n VETC, c\u1ed1 \u0111\u1ecbnh, voucher, credit, v.v.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ngan_hang_so\"><\/span><span style=\"color: #0000ff;\"><strong>Ng\u00e2n h\u00e0ng s\u1ed1<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-27650\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/08\/The-ATM-ngan-hang-1.jpg\" alt=\"n\u1ea1p th\u1ebb garena li\u00ean minh\" width=\"600\" height=\"360\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/08\/The-ATM-ngan-hang-1.jpg 600w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/08\/The-ATM-ngan-hang-1-300x180.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p>Ng\u00e2n h\u00e0ng s\u1ed1 l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c c\u1ee7a Fintech, cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng qua internet ho\u1eb7c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ebfn c\u00e1c chi nh\u00e1nh ng\u00e2n h\u00e0ng v\u1eadt l\u00fd. C\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1 th\u01b0\u1eddng bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 c\u01a1 b\u1ea3n nh\u01b0 m\u1edf t\u00e0i kho\u1ea3n, g\u1eedi ti\u1ebft ki\u1ec7m, chuy\u1ec3n kho\u1ea3n, thanh to\u00e1n h\u00f3a \u0111\u01a1n, vay ti\u1ec1n, v.v.<\/p>\n<p>C\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng ho\u1eb7c c\u00e1c c\u00f4ng ty Fintech chuy\u00ean v\u1ec1 ng\u00e2n h\u00e0ng s\u1ed1. C\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1 c\u00f3 th\u1ec3 mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho ng\u01b0\u1eddi d\u00f9ng, nh\u01b0 ti\u1ebft ki\u1ec7m th\u1eddi gian, chi ph\u00ed, t\u0103ng t\u00ednh b\u1ea3o m\u1eadt, v.v. M\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng s\u1ed1 l\u00e0 Ally Bank, Chime, Revolut, N26, v.v.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Dau_tu_truc_tuyen\"><\/span><span style=\"color: #0000ff;\"><strong>\u0110\u1ea7u t\u01b0 tr\u1ef1c tuy\u1ebfn<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-28087\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/10\/nhung-cach-tiet-kiem-tien-hieu-qua-bang-tips-nho-4.jpg\" alt=\"l\u01b0u \u00fd nho nh\u1ecf ti\u1ebft ki\u1ec7m ti\u1ec1n\" width=\"600\" height=\"338\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/10\/nhung-cach-tiet-kiem-tien-hieu-qua-bang-tips-nho-4.jpg 600w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/10\/nhung-cach-tiet-kiem-tien-hieu-qua-bang-tips-nho-4-300x169.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p>\u0110\u1ea7u t\u01b0 tr\u1ef1c tuy\u1ebfn l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c c\u1ee7a Fintech, cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng mua b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh qua internet ho\u1eb7c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ebfn c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi truy\u1ec1n th\u1ed1ng. C\u00e1c s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 bao g\u1ed3m c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, qu\u1ef9 \u0111\u1ea7u t\u01b0, ti\u1ec1n \u0111i\u1ec7n t\u1eed, v.v.<\/p>\n<p>C\u00e1c d\u1ecbch v\u1ee5 \u0111\u1ea7u t\u01b0 tr\u1ef1c tuy\u1ebfn th\u01b0\u1eddng s\u1eed d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng giao d\u1ecbch, c\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng ho\u1eb7c c\u00e1c robo-advisor \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00f9ng trong vi\u1ec7c \u0111\u1ea7u t\u01b0. C\u00e1c d\u1ecbch v\u1ee5 \u0111\u1ea7u t\u01b0 tr\u1ef1c tuy\u1ebfn c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi d\u00f9ng ti\u1ebft ki\u1ec7m chi ph\u00ed, t\u0103ng kh\u1ea3 n\u0103ng truy c\u1eadp, t\u00f9y bi\u1ebfn chi\u1ebfn l\u01b0\u1ee3c, v.v. M\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 \u0111\u1ea7u t\u01b0 tr\u1ef1c tuy\u1ebfn l\u00e0 Robinhood, E*TRADE, Betterment, Coinbase, v.v.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bao_hiem_truc_tuyen\"><\/span><strong><span style=\"color: #0000ff;\">B\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-24962\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/04\/mach-ban-phuong-phap-hoc-tieng-anh-qua-bai-hat-hieu-qua-4.jpg\" alt=\"\" width=\"990\" height=\"647\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/04\/mach-ban-phuong-phap-hoc-tieng-anh-qua-bai-hat-hieu-qua-4.jpg 990w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/04\/mach-ban-phuong-phap-hoc-tieng-anh-qua-bai-hat-hieu-qua-4-300x196.jpg 300w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/04\/mach-ban-phuong-phap-hoc-tieng-anh-qua-bai-hat-hieu-qua-4-768x502.jpg 768w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/04\/mach-ban-phuong-phap-hoc-tieng-anh-qua-bai-hat-hieu-qua-4-696x455.jpg 696w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2023\/04\/mach-ban-phuong-phap-hoc-tieng-anh-qua-bai-hat-hieu-qua-4-643x420.jpg 643w\" sizes=\"(max-width: 990px) 100vw, 990px\" \/><\/p>\n<p>B\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c c\u1ee7a Fintech, cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng mua b\u00e1n c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m qua internet ho\u1eb7c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ebfn c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng. C\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 bao g\u1ed3m b\u1ea3o hi\u1ec3m xe c\u1ed9, b\u1ea3o hi\u1ec3m nh\u00e0 c\u1eeda, b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe, b\u1ea3o hi\u1ec3m du l\u1ecbch, v.v.<\/p>\n<p>C\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn th\u01b0\u1eddng s\u1eed d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng giao d\u1ecbch, c\u00e1c \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng ho\u1eb7c c\u00e1c robo-advisor \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00f9ng trong vi\u1ec7c mua b\u00e1n b\u1ea3o hi\u1ec3m. C\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi d\u00f9ng ti\u1ebft ki\u1ec7m chi ph\u00ed, t\u0103ng kh\u1ea3 n\u0103ng truy c\u1eadp, t\u00f9y bi\u1ebfn g\u00f3i b\u1ea3o hi\u1ec3m, v.v. M\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn l\u00e0 Lemonade, Policybazaar, Insurify, v.v.<\/p>\n<p>M\u1ed9t d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn n\u1ed5i b\u1eadt t\u1ea1i Vi\u1ec7t Nam l\u00e0 B\u1ea3o hi\u1ec3m X\u00e3 H\u1ed9i Vi\u1ec7t Nam, do B\u1ea3o hi\u1ec3m X\u00e3 H\u1ed9i Vi\u1ec7t Nam (BHXH) ph\u00e1t tri\u1ec3n v\u00e0 qu\u1ea3n l\u00fd. B\u1ea3o hi\u1ec3m X\u00e3 H\u1ed9i Vi\u1ec7t Nam l\u00e0 c\u1ed5ng th\u00f4ng tin \u0111i\u1ec7n t\u1eed, cung c\u1ea5p \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, b\u1ea3o hi\u1ec3m y t\u1ebf, b\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p, v.v.<\/p>\n<p>V\u1edbi B\u1ea3o hi\u1ec3m X\u00e3 H\u1ed9i Vi\u1ec7t Nam, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 \u0111\u0103ng k\u00fd, n\u1ed9p ph\u00ed, tra c\u1ee9u, y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, v.v. qua internet m\u1ed9t c\u00e1ch nhanh ch\u00f3ng, ti\u1ec7n l\u1ee3i v\u00e0 an to\u00e0n. Ngo\u00e0i ra, B\u1ea3o hi\u1ec3m X\u00e3 H\u1ed9i Vi\u1ec7t Nam c\u00f2n cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c, nh\u01b0 c\u1ea5p s\u1ed5 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, th\u1ebb b\u1ea3o hi\u1ec3m y t\u1ebf, cung c\u1ea5p ch\u1ee9ng th\u01b0 s\u1ed1, v.v.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><span style=\"color: #0000ff;\"><strong>K\u1ebft lu\u1eadn<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hy v\u1ecdng b\u1ea1n \u0111\u00e3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn v\u00e0 m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 ti\u00eau bi\u1ec3u trong l\u0129nh v\u1ef1c n\u00e0y.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fintech l\u00e0 t\u1eeb vi\u1ebft t\u1eaft c\u1ee7a c\u1ee5m t\u1eeb &#8220;financial technology&#8221; (c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh), \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 ch\u1ec9 nh\u1eefng c\u00f4ng ty ho\u1eb7c s\u1ea3n ph\u1ea9m s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1edbi \u0111\u1ec3 c\u1ea1nh tranh ho\u1eb7c c\u1ea3i thi\u1ec7n c\u00e1c ph\u01b0\u01a1ng th\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1edbi thi\u1ec7u cho b\u1ea1n v\u1ec1 c\u00e1c [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":28085,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[191],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fintech - C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh v\u00e0 nh\u1eefng \u1ee9ng d\u1ee5ng trong cu\u1ed9c s\u1ed1ng<\/title>\n<meta name=\"description\" content=\"Fintech l\u00e0 t\u1eeb vi\u1ebft t\u1eaft c\u1ee7a c\u1ee5m t\u1eeb &quot;financial technology&quot; (c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh), \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 ch\u1ec9 nh\u1eefng c\u00f4ng ty ho\u1eb7c s\u1ea3n ph\u1ea9m s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u1edbi\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vtcpay.vn\/blog\/fintech-cong-nghe-tai-chinh-va-nhung-ung-dung-trong-cuoc-song.html\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintech - C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh v\u00e0 nh\u1eefng \u1ee9ng d\u1ee5ng trong cu\u1ed9c s\u1ed1ng\" \/>\n<meta property=\"og:description\" content=\"Fintech l\u00e0 t\u1eeb vi\u1ebft t\u1eaft c\u1ee7a c\u1ee5m t\u1eeb &quot;financial technology&quot; 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