{"id":39739,"date":"2026-01-26T10:24:16","date_gmt":"2026-01-26T03:24:16","guid":{"rendered":"https:\/\/vtcpay.vn\/blog\/?p=39739"},"modified":"2026-01-26T10:24:16","modified_gmt":"2026-01-26T03:24:16","slug":"open-banking-la-gi-dieu-doanh-nghiep-can-biet","status":"publish","type":"post","link":"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html","title":{"rendered":"Open Banking l\u00e0 g\u00ec? \u0110i\u1ec1u doanh nghi\u1ec7p c\u1ea7n bi\u1ebft v\u1ec1 Open Banking"},"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-69d294329306c\" 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-69d294329306c\" 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\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#1_Ngan_hang_mo_Open_Banking_la_gi\" >1. Ng\u00e2n h\u00e0ng m\u1edf (Open Banking) l\u00e0 g\u00ec?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#11_Cac_loai_du_lieu_duoc_cung_cap_trong_he_sinh_thai\" >1.1 C\u00e1c lo\u1ea1i d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c cung c\u1ea5p trong h\u1ec7 sinh th\u00e1i<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#12_Cac_dich_vu_dang_trien_khai\" >1.2 C\u00e1c d\u1ecbch v\u1ee5 \u0111ang tri\u1ec3n khai<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#2_Cach_thuc_hoat_dong_cua_Open_Banking\" >2. C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Open Banking<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#3_Loi_ich_dot_pha_cua_Open_Banking\" >3. L\u1ee3i \u00edch \u0111\u1ed9t ph\u00e1 c\u1ee7a Open Banking<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#31_Doi_voi_khach_hang_va_doanh_nghiep\" >3.1 \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 doanh nghi\u1ec7p<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#32_Doi_voi_ngan_hang_cung_cap\" >3.2 \u0110\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng cung c\u1ea5p<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#33_Doi_voi_ben_thu_ba_FintechDoanh_nghiep_phan_mem\" >3.3 \u0110\u1ed1i v\u1edbi b\u00ean th\u1ee9 ba (Fintech\/Doanh nghi\u1ec7p ph\u1ea7n m\u1ec1m)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#4_Tai_sao_Open_Banking_la_xu_huong_tat_yeu_toan_cau\" >4. T\u1ea1i sao Open Banking l\u00e0 xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu to\u00e0n c\u1ea7u?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#41_Muc_tieu_chien_luoc\" >4.1 M\u1ee5c ti\u00eau chi\u1ebfn l\u01b0\u1ee3c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#42_Dieu_kien_can_de_trien_khai_thanh_cong\" >4.2 \u0110i\u1ec1u ki\u1ec7n c\u1ea7n \u0111\u1ec3 tri\u1ec3n khai th\u00e0nh c\u00f4ng<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#5_Nhung_thach_thuc_doanh_nghiep_can_luu_y\" >5. Nh\u1eefng th\u00e1ch th\u1ee9c doanh nghi\u1ec7p c\u1ea7n l\u01b0u \u00fd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<p data-path-to-node=\"1\">Trong k\u1ef7 nguy\u00ean s\u1ed1 h\u00f3a, ng\u00e0nh t\u00e0i ch\u00ednh \u0111ang ch\u1ee9ng ki\u1ebfn m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng mang t\u00ean <b data-path-to-node=\"1\" data-index-in-node=\"84\">Open Banking<\/b> (Ng\u00e2n h\u00e0ng m\u1edf). V\u1eady th\u1ef1c t\u1ebf <b data-path-to-node=\"2\" data-index-in-node=\"12\">ng\u00e2n h\u00e0ng m\u1edf l\u00e0 g\u00ec<\/b>, ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o v\u00e0 t\u1ea1i sao \u0111\u00e2y l\u1ea1i l\u00e0 xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu trong t\u01b0\u01a1ng lai? N\u1ebfu b\u1ea1n l\u00e0 ch\u1ee7 doanh nghi\u1ec7p ho\u1eb7c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang t\u00ecm hi\u1ec3u v\u1ea5n \u0111\u1ec1 n\u00e0y, h\u00e3y c\u00f9ng<a href=\"https:\/\/vtcpay.vn\/blog\/\"> VTC Pay Blog<\/a> t\u00ecm hi\u1ec3u ngay d\u01b0\u1edbi \u0111\u00e2y!<\/p>\n<h2 data-path-to-node=\"4\"><span class=\"ez-toc-section\" id=\"1_Ngan_hang_mo_Open_Banking_la_gi\"><\/span><span style=\"color: #3366ff;\"><strong>1. Ng\u00e2n h\u00e0ng m\u1edf (Open Banking) l\u00e0 g\u00ec?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"5\"><b data-path-to-node=\"5\" data-index-in-node=\"0\">Open Banking<\/b> l\u00e0 m\u1ed9t m\u00f4 h\u00ecnh t\u00e0i ch\u00ednh m\u00e0 trong \u0111\u00f3 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i cho ph\u00e9p b\u00ean th\u1ee9 ba (c\u00e1c c\u00f4ng ty Fintech, nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh) truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1c giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng (API).<\/p>\n<p data-path-to-node=\"6\">Thay v\u00ec gi\u1eef k\u00edn d\u1eef li\u1ec7u trong h\u1ec7 th\u1ed1ng n\u1ed9i b\u1ed9, ng\u00e2n h\u00e0ng m\u1edf t\u1ea1o ra m\u1ed9t h\u1ec7 sinh th\u00e1i ph\u1eb3ng, n\u01a1i d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c chia s\u1ebb v\u00e0 trao \u0111\u1ed5i m\u1ed9t c\u00e1ch b\u1ea3o m\u1eadt d\u01b0\u1edbi s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<h3 data-path-to-node=\"7\"><span class=\"ez-toc-section\" id=\"11_Cac_loai_du_lieu_duoc_cung_cap_trong_he_sinh_thai\"><\/span><strong>1.1 C\u00e1c lo\u1ea1i d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c cung c\u1ea5p trong h\u1ec7 sinh th\u00e1i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"8\">Trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng m\u1edf, ng\u00e2n h\u00e0ng cho ph\u00e9p truy c\u1eadp v\u00e0o 3 nh\u00f3m d\u1eef li\u1ec7u ch\u00ednh:<\/p>\n<ul data-path-to-node=\"9\">\n<li>\n<p data-path-to-node=\"9,0,0\">D\u1eef li\u1ec7u d\u1ecbch v\u1ee5 chung bao g\u1ed3m th\u00f4ng tin v\u1ec1 s\u1ea3n ph\u1ea9m, l\u00e3i su\u1ea5t, bi\u1ec3u ph\u00ed, v\u1ecb tr\u00ed c\u00e1c ph\u00f2ng giao d\u1ecbch ho\u1eb7c c\u00e2y ATM.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,1,0\">D\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng g\u1ed3m th\u00f4ng tin \u0111\u1ecbnh danh nh\u01b0 h\u1ecd t\u00ean, lo\u1ea1i t\u00e0i kho\u1ea3n, ng\u00e0y m\u1edf, chi nh\u00e1nh qu\u1ea3n l\u00fd&#8230; gi\u00fap qu\u00e1 tr\u00ecnh \u0111\u0103ng k\u00fd d\u1ecbch v\u1ee5 m\u1edbi di\u1ec5n ra nhanh ch\u00f3ng.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"9,2,0\">D\u1eef li\u1ec7u giao d\u1ecbch nh\u01b0 l\u1ecbch s\u1eed chuy\u1ec3n kho\u1ea3n, s\u1ed1 d\u01b0, ng\u01b0\u1eddi nh\u1eadn ti\u1ec1n, m\u00e3 giao d\u1ecbch&#8230; \u0110\u00e2y l\u00e0 ngu\u1ed3n d\u1eef li\u1ec7u qu\u00fd gi\u00e1 \u0111\u1ec3 c\u00e1c b\u00ean th\u1ee9 ba ph\u00e2n t\u00edch th\u00f3i quen ti\u00eau d\u00f9ng v\u00e0 \u0111\u1ec1 xu\u1ea5t gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p.<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39759\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/open-banking-01.webp\" alt=\"open banking\" width=\"650\" height=\"340\" \/><\/p>\n<h3 data-path-to-node=\"10\"><span class=\"ez-toc-section\" id=\"12_Cac_dich_vu_dang_trien_khai\"><\/span><strong>1.2 C\u00e1c d\u1ecbch v\u1ee5 \u0111ang tri\u1ec3n khai<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"11\">Hi\u1ec7n nay, open banking kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c xem s\u1ed1 d\u01b0. C\u00e1c d\u1ecbch v\u1ee5 t\u00edch h\u1ee3p \u0111\u00e3 m\u1edf r\u1ed9ng sang:<\/p>\n<ul data-path-to-node=\"12\">\n<li>\n<p data-path-to-node=\"12,0,0\">Qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n \u0111a k\u00eanh, th\u1ed1ng nh\u1ea5t d\u1eef li\u1ec7u tr\u00ean website, app, Internet Banking.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"12,1,0\">D\u1ecbch v\u1ee5 t\u00edch h\u1ee3p s\u00e2u, thanh to\u00e1n h\u00f3a \u0111\u01a1n, g\u1eedi ti\u1ebft ki\u1ec7m online, t\u00edn d\u1ee5ng v\u00e0 \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh tr\u1ef1c ti\u1ebfp qua c\u00e1c \u1ee9ng d\u1ee5ng li\u00ean k\u1ebft m\u00e0 kh\u00f4ng c\u1ea7n chuy\u1ec3n tab hay \u0111\u0103ng nh\u1eadp nhi\u1ec1u l\u1ea7n.<\/p>\n<\/li>\n<\/ul>\n<h2 data-path-to-node=\"14\"><span class=\"ez-toc-section\" id=\"2_Cach_thuc_hoat_dong_cua_Open_Banking\"><\/span><span style=\"color: #3366ff;\"><strong>2. C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Open Banking<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"15\">Tr\u00e1i tim c\u1ee7a ng\u00e2n h\u00e0ng m\u1edf ch\u00ednh l\u00e0 c\u00f4ng ngh\u1ec7 API (Application Programming Interface). API \u0111\u00f3ng vai tr\u00f2 nh\u01b0 m\u1ed9t chi\u1ebfc c\u1ea7u n\u1ed1i, cho ph\u00e9p c\u00e1c ph\u1ea7n m\u1ec1m kh\u00e1c nhau &#8220;n\u00f3i chuy\u1ec7n&#8221; v\u00e0 trao \u0111\u1ed5i d\u1eef li\u1ec7u v\u1edbi nhau m\u1ed9t c\u00e1ch chu\u1ea9n h\u00f3a v\u00e0 an to\u00e0n.<\/p>\n<p data-path-to-node=\"16\">Quy tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u01a1 b\u1ea3n bao g\u1ed3m:<\/p>\n<ul>\n<li data-path-to-node=\"17,0,0\">Ng\u00e2n h\u00e0ng c\u00f9ng c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd ph\u1ed1i h\u1ee3p x\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng API \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau chu\u1ea9n v\u1ec1 hi\u1ec7u su\u1ea5t v\u00e0 t\u00ednh di \u0111\u1ed9ng.<\/li>\n<li data-path-to-node=\"17,0,0\">Khi kh\u00e1ch h\u00e0ng mu\u1ed1n s\u1eed d\u1ee5ng m\u1ed9t \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u1ee7a b\u00ean th\u1ee9 ba, h\u1ecd s\u1ebd c\u1ea5p quy\u1ec1n cho \u1ee9ng d\u1ee5ng \u0111\u00f3 truy c\u1eadp v\u00e0o d\u1eef li\u1ec7u t\u1ea1i ng\u00e2n h\u00e0ng.<\/li>\n<li data-path-to-node=\"17,0,0\">API truy\u1ec1n t\u1ea3i th\u00f4ng tin v\u1edbi t\u1ed1c \u0111\u1ed9 c\u1ef1c nhanh, \u0111\u1ea3m b\u1ea3o \u0111\u1ed9 ch\u00ednh x\u00e1c v\u00e0 t\u00ednh b\u1ea3o m\u1eadt tuy\u1ec7t \u0111\u1ed1i cho \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c cho ph\u00e9p.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39758\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/open-banking-02.webp\" alt=\"open banking\" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"19\"><span class=\"ez-toc-section\" id=\"3_Loi_ich_dot_pha_cua_Open_Banking\"><\/span><span style=\"color: #3366ff;\"><strong>3. L\u1ee3i \u00edch \u0111\u1ed9t ph\u00e1 c\u1ee7a Open Banking<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"20\">M\u00f4 h\u00ecnh open banking t\u1ea1o ra m\u1ed9t k\u1ecbch b\u1ea3n &#8220;Win-Win-Win&#8221; cho t\u1ea5t c\u1ea3 c\u00e1c b\u00ean tham gia: Kh\u00e1ch h\u00e0ng, Ng\u00e2n h\u00e0ng v\u00e0 B\u00ean th\u1ee9 ba.<\/p>\n<h3 data-path-to-node=\"21\"><span class=\"ez-toc-section\" id=\"31_Doi_voi_khach_hang_va_doanh_nghiep\"><\/span><strong>3.1 \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 doanh nghi\u1ec7p<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-path-to-node=\"22\">\n<li>\n<p data-path-to-node=\"22,0,0\">Ng\u01b0\u1eddi d\u00f9ng kh\u00f4ng c\u00f2n b\u1ecb b\u00f3 bu\u1ed9c trong c\u00e1c d\u1ecbch v\u1ee5 truy\u1ec1n th\u1ed1ng c\u1ee7a m\u1ed9t ng\u00e2n h\u00e0ng duy nh\u1ea5t. B\u1ea1n c\u00f3 th\u1ec3 so s\u00e1nh v\u00e0 ch\u1ecdn gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh t\u1ed1i \u01b0u nh\u1ea5t t\u1eeb nhi\u1ec1u nh\u00e0 cung c\u1ea5p.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"22,1,0\">M\u1ecdi giao d\u1ecbch t\u1eeb thanh to\u00e1n \u0111\u1ebfn vay v\u1ed1n \u0111\u1ec1u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n li\u1ec1n m\u1ea1ch, ti\u1ebft ki\u1ec7m th\u1eddi gian \u0111\u00e1ng k\u1ec3.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"22,2,0\">Nh\u1edd c\u00f4ng ngh\u1ec7 API, quy\u1ec1n truy c\u1eadp d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n c\u1ee5 th\u1ec3 v\u1ec1 ph\u1ea1m vi v\u00e0 th\u1eddi gian, gi\u00fap t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n so v\u1edbi c\u00e1c ph\u01b0\u01a1ng th\u1ee9c truy\u1ec1n th\u1ed1ng nh\u01b0 &#8220;screen scraping&#8221; (l\u1ea5y d\u1eef li\u1ec7u b\u1eb1ng c\u00e1ch qu\u00e9t m\u00e0n h\u00ecnh).<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"23\"><span class=\"ez-toc-section\" id=\"32_Doi_voi_ngan_hang_cung_cap\"><\/span><strong>3.2 \u0110\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng cung c\u1ea5p<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-path-to-node=\"24\">\n<li>\n<p data-path-to-node=\"24,0,0\">Th\u00f4ng qua vi\u1ec7c h\u1ee3p t\u00e1c v\u1edbi Fintech, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 cung c\u1ea5p th\u00eam nhi\u1ec1u d\u1ecbch v\u1ee5 gi\u00e1 tr\u1ecb gia t\u0103ng, t\u1eeb \u0111\u00f3 gia t\u0103ng t\u1ec7p kh\u00e1ch h\u00e0ng v\u00e0 doanh thu.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"24,1,0\">D\u1eef li\u1ec7u t\u1eeb h\u1ec7 sinh th\u00e1i gi\u00fap ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c nhu c\u1ea7u ti\u1ec1m \u1ea9n, t\u1eeb \u0111\u00f3 c\u00e1 nh\u00e2n h\u00f3a c\u00e1c s\u1ea3n ph\u1ea9m vay ho\u1eb7c \u0111\u1ea7u t\u01b0.<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39757\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/open-banking-03.webp\" alt=\"\" width=\"650\" height=\"340\" \/><\/p>\n<h3 data-path-to-node=\"25\"><span class=\"ez-toc-section\" id=\"33_Doi_voi_ben_thu_ba_FintechDoanh_nghiep_phan_mem\"><\/span><strong>3.3 \u0110\u1ed1i v\u1edbi b\u00ean th\u1ee9 ba (Fintech\/Doanh nghi\u1ec7p ph\u1ea7n m\u1ec1m)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-path-to-node=\"26\">\n<li>\n<p data-path-to-node=\"26,0,0\">C\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 c\u00f3 c\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn h\u00e0ng tri\u1ec7u kh\u00e1ch h\u00e0ng s\u1eb5n c\u00f3 c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 cung \u1ee9ng d\u1ecbch v\u1ee5 ri\u00eang bi\u1ec7t.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"26,1,0\">D\u1ef1a tr\u00ean kho d\u1eef li\u1ec7u th\u1ef1c t\u1ebf, c\u00e1c doanh nghi\u1ec7p c\u00f3 th\u1ec3 nghi\u00ean c\u1ee9u v\u00e0 t\u1ea1o ra c\u00e1c \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh, ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng ho\u1eb7c k\u1ebf to\u00e1n t\u1ef1 \u0111\u1ed9ng hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"0\">Trong h\u1ec7 sinh th\u00e1i Open Banking, vi\u1ec7c k\u1ebft n\u1ed1i gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c hi\u1ec7n th\u1ef1c h\u00f3a m\u1ea1nh m\u1ebd th\u00f4ng qua c\u00e1c trung gian thanh to\u00e1n uy t\u00edn, ti\u00eau bi\u1ec3u l\u00e0 <a href=\"https:\/\/doitac.vtcpay.vn\/\"><b data-path-to-node=\"0\" data-index-in-node=\"161\">VTC Pay<\/b><\/a>. L\u00e0 \u0111\u01a1n v\u1ecb \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p ph\u00e9p, <a href=\"https:\/\/doitac.vtcpay.vn\/\">C\u1ed5ng thanh to\u00e1n VTC Pay<\/a> hi\u1ec7n \u0111\u00e3 k\u1ebft n\u1ed1i v\u1edbi h\u01a1n 40 ng\u00e2n h\u00e0ng n\u1ed9i \u0111\u1ecba v\u00e0 3 t\u1ed5 ch\u1ee9c th\u1ebb qu\u1ed1c t\u1ebf, cho ph\u00e9p doanh nghi\u1ec7p t\u00edch h\u1ee3p thanh to\u00e1n \u0111a k\u00eanh (t\u1eeb th\u1ebb ATM, Visa\/Mastercard \u0111\u1ebfn m\u00e3 QR) ch\u1ec9 qua m\u1ed9t l\u1ea7n k\u1ebft n\u1ed1i API duy nh\u1ea5t.<\/p>\n<p style=\"text-align: center;\" data-path-to-node=\"0\"><a href=\"https:\/\/doitac.vtcpay.vn\/\"><strong>H\u00e3y \u0111\u0103ng k\u00fd t\u00edch h\u1ee3p C\u1ed5ng thanh to\u00e1n VTC Pay ngay h\u00f4m nay!<\/strong><\/a><\/p>\n<h2 data-path-to-node=\"28\"><span class=\"ez-toc-section\" id=\"4_Tai_sao_Open_Banking_la_xu_huong_tat_yeu_toan_cau\"><\/span><span style=\"color: #3366ff;\"><strong>4. T\u1ea1i sao Open Banking l\u00e0 xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu to\u00e0n c\u1ea7u?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"29\">B\u00e1o c\u00e1o t\u1eeb <i data-path-to-node=\"29\" data-index-in-node=\"11\">Juniper Research (2023)<\/i> d\u1ef1 \u0111o\u00e1n gi\u00e1 tr\u1ecb giao d\u1ecbch qua ng\u00e2n h\u00e0ng m\u1edf s\u1ebd v\u01b0\u1ee3t m\u1ee9c 330 t\u1ef7 USD v\u00e0o n\u0103m 2027. T\u1ea1i sao xu h\u01b0\u1edbng n\u00e0y l\u1ea1i b\u00f9ng n\u1ed5 m\u1ea1nh m\u1ebd nh\u01b0 v\u1eady?<\/p>\n<h3 data-path-to-node=\"30\"><span class=\"ez-toc-section\" id=\"41_Muc_tieu_chien_luoc\"><\/span><strong>4.1 M\u1ee5c ti\u00eau chi\u1ebfn l\u01b0\u1ee3c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"31\">M\u1ee5c ti\u00eau c\u1ed1t l\u00f5i c\u1ee7a open banking l\u00e0 x\u00f3a b\u1ecf r\u00e0o c\u1ea3n gi\u1eefa c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh \u0111\u1ec3:<\/p>\n<ul data-path-to-node=\"32\">\n<li>\n<p data-path-to-node=\"32,0,0\">H\u1ed7 tr\u1ee3 doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi d\u00e2n ti\u1ebft ki\u1ec7m chi ph\u00ed giao d\u1ecbch.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"32,1,0\">C\u1ea3i ti\u1ebfn s\u1ea3n ph\u1ea9m s\u00e2u s\u1eafc h\u01a1n d\u1ef1a tr\u00ean h\u00e0nh vi th\u1ef1c t\u1ebf c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"32,2,0\">X\u00e2y d\u1ef1ng th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh minh b\u1ea1ch, c\u1ea1nh tranh l\u00e0nh m\u1ea1nh.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"33\"><span class=\"ez-toc-section\" id=\"42_Dieu_kien_can_de_trien_khai_thanh_cong\"><\/span><strong>4.2 \u0110i\u1ec1u ki\u1ec7n c\u1ea7n \u0111\u1ec3 tri\u1ec3n khai th\u00e0nh c\u00f4ng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"34\">\u0110\u1ec3 m\u1ed9t h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng m\u1edf v\u1eadn h\u00e0nh hi\u1ec7u qu\u1ea3, c\u1ea7n h\u1ed9i \u0111\u1ee7 4 y\u1ebfu t\u1ed1:<\/p>\n<ul>\n<li data-path-to-node=\"35,0,0\">Ng\u00e2n h\u00e0ng ph\u1ea3i x\u00e2y d\u1ef1ng kho d\u1eef li\u1ec7u \u0111\u1ee7 l\u1edbn, h\u1ee3p nh\u1ea5t v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng truy\u1ec1n t\u1ea3i nhanh ch\u00f3ng.<\/li>\n<li data-path-to-node=\"35,0,0\">C\u00f4ng ngh\u1ec7 b\u1ea3o m\u1eadt\u00a0l\u00e0 y\u1ebfu t\u1ed1 s\u1ed1ng c\u00f2n. C\u00e1c h\u1ec7 th\u1ed1ng ph\u1ea3i li\u00ean t\u1ee5c \u0111\u01b0\u1ee3c n\u00e2ng c\u1ea5p \u0111\u1ec3 ch\u1ed1ng l\u1ea1i c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng.<\/li>\n<li data-path-to-node=\"35,0,0\">C\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n x\u00e1c \u0111\u1ecbnh v\u1ecb th\u1ebf \u0111\u1ec3 kh\u00f4ng b\u1ecb bi\u1ebfn th\u00e0nh &#8220;\u0111\u01b0\u1eddng \u1ed1ng&#8221; d\u1eabn v\u1ed1n \u0111\u01a1n thu\u1ea7n.<\/li>\n<li data-path-to-node=\"35,0,0\">S\u1ef1 ch\u1ec9 \u0111\u1ea1o t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc l\u00e0 \u0111i\u1ec1u ki\u1ec7n ti\u00ean quy\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh h\u1ee3p ph\u00e1p v\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a c\u00e1c b\u00ean.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39756\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/open-banking-04.webp\" alt=\"\" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"37\"><span class=\"ez-toc-section\" id=\"5_Nhung_thach_thuc_doanh_nghiep_can_luu_y\"><\/span><span style=\"color: #3366ff;\"><strong>5. Nh\u1eefng th\u00e1ch th\u1ee9c doanh nghi\u1ec7p c\u1ea7n l\u01b0u \u00fd<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"38\">D\u00f9 mang l\u1ea1i ti\u1ec1m n\u0103ng kh\u1ed5ng l\u1ed3, opening banking v\u1eabn t\u1ed3n t\u1ea1i nh\u1eefng r\u00e0o c\u1ea3n nh\u1ea5t \u0111\u1ecbnh m\u00e0 doanh nghi\u1ec7p c\u1ea7n c\u00e2n nh\u1eafc:<\/p>\n<ul data-path-to-node=\"39\">\n<li>\n<p data-path-to-node=\"39,0,0\">S\u1ef1 thi\u1ebfu \u0111\u1ed3ng b\u1ed9 v\u1ec1 ti\u00eau chu\u1ea9n v\u00ec kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 ng\u00e2n h\u00e0ng \u0111\u1ec1u s\u1eed d\u1ee5ng c\u00f9ng m\u1ed9t chu\u1ea9n API, d\u1eabn \u0111\u1ebfn kh\u00f3 kh\u0103n trong vi\u1ec7c t\u00edch h\u1ee3p h\u1ec7 th\u1ed1ng.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"39,1,0\">Vi\u1ec7c chia s\u1ebb d\u1eef li\u1ec7u v\u1edbi b\u00ean th\u1ee9 ba l\u00e0m t\u0103ng nguy c\u01a1 r\u00f2 r\u1ec9 th\u00f4ng tin n\u1ebfu c\u00e1c \u0111\u01a1n v\u1ecb n\u00e0y kh\u00f4ng c\u00f3 h\u1ea1 t\u1ea7ng an ninh \u0111\u1ee7 m\u1ea1nh.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"39,2,0\">Ngo\u00e0i ph\u00ed k\u1ebft n\u1ed1i, doanh nghi\u1ec7p c\u00f3 th\u1ec3 ph\u1ea3i chi tr\u1ea3 cho vi\u1ec7c n\u00e2ng c\u1ea5p h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh ph\u00e1p l\u00fd m\u1edbi.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"39,3,0\">Vi\u1ec7c thu\u00ea ngo\u00e0i c\u00e1c ch\u1ee9c n\u0103ng t\u00e0i ch\u00ednh c\u1ed1t l\u00f5i cho b\u00ean th\u1ee9 ba c\u00f3 th\u1ec3 t\u1ea1o ra s\u1ef1 l\u1ec7 thu\u1ed9c v\u00e0o d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd.<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39755\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/open-banking-05.webp\" alt=\"open banking\" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"45\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><span style=\"color: #3366ff;\"><strong>K\u1ebft lu\u1eadn<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"46\"><b data-path-to-node=\"46\" data-index-in-node=\"0\">Open Banking<\/b> kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef k\u1ef9 thu\u1eadt, m\u00e0 l\u00e0 m\u1ed9t b\u01b0\u1edbc chuy\u1ec3n m\u00ecnh m\u1ea1nh m\u1ebd h\u01b0\u1edbng t\u1edbi s\u1ef1 minh b\u1ea1ch v\u00e0 ti\u1ec7n l\u1ee3i.<\/p>\n<p data-path-to-node=\"46\">Doanh nghi\u1ec7p c\u1ea7n ch\u1ee7 \u0111\u1ed9ng n\u1eafm b\u1eaft xu h\u01b0\u1edbng n\u00e0y \u0111\u1ec3 kh\u00f4ng b\u1ecb b\u1ecf l\u1ea1i ph\u00eda sau trong cu\u1ed9c \u0111ua chuy\u1ec3n \u0111\u1ed5i s\u1ed1.<\/p>\n<p data-path-to-node=\"46\"><strong>Xem th\u00eam:<\/strong><\/p>\n<p data-path-to-node=\"46\"><a href=\"https:\/\/vtcpay.vn\/blog\/quy-dinh-ve-chung-tu-thanh-toan-khong-dung-tien-mat.html\">Quy \u0111\u1ecbnh v\u1ec1 ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/a><\/p>\n<p data-path-to-node=\"46\"><a href=\"https:\/\/vtcpay.vn\/blog\/huong-dan-tuan-thu-pci-4-0-moi-nhat-2026.html\">H\u01b0\u1edbng d\u1eabn tu\u00e2n th\u1ee7 PCI 4.0 m\u1edbi nh\u1ea5t 2026<\/a><\/p>\n<p data-path-to-node=\"46\"><a href=\"https:\/\/vtcpay.vn\/blog\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\">Trung gian thanh to\u00e1n l\u00e0 g\u00ec? 5 trung gian thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trong k\u1ef7 nguy\u00ean s\u1ed1 h\u00f3a, ng\u00e0nh t\u00e0i ch\u00ednh \u0111ang ch\u1ee9ng ki\u1ebfn m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng mang t\u00ean Open Banking (Ng\u00e2n h\u00e0ng m\u1edf). V\u1eady th\u1ef1c t\u1ebf ng\u00e2n h\u00e0ng m\u1edf l\u00e0 g\u00ec, ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o v\u00e0 t\u1ea1i sao \u0111\u00e2y l\u1ea1i l\u00e0 xu h\u01b0\u1edbng t\u1ea5t y\u1ebfu trong t\u01b0\u01a1ng lai? N\u1ebfu b\u1ea1n l\u00e0 ch\u1ee7 doanh nghi\u1ec7p ho\u1eb7c [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":39760,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[171],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Open Banking l\u00e0 g\u00ec? \u0110i\u1ec1u doanh nghi\u1ec7p c\u1ea7n bi\u1ebft v\u1ec1 Open Banking<\/title>\n<meta name=\"description\" content=\"Open Banking l\u00e0 g\u00ec? T\u00ecm hi\u1ec3u chi ti\u1ebft v\u1ec1 m\u00f4 h\u00ecnh ng\u00e2n h\u00e0ng m\u1edf, c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng qua API v\u00e0 nh\u1eefng l\u1ee3i \u00edch \u0111\u1ed9t ph\u00e1 cho doanh nghi\u1ec7p.\" \/>\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\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Open Banking l\u00e0 g\u00ec? \u0110i\u1ec1u doanh nghi\u1ec7p c\u1ea7n bi\u1ebft v\u1ec1 Open Banking\" \/>\n<meta property=\"og:description\" content=\"Open Banking l\u00e0 g\u00ec? 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