THANH TON TRC TUYN

THC TRNG & TIM NNG

Mr. Trn Vit Vnh Gim c Kinh doanh & PT i tc V in t & Cng thanh ton NgnLng.vn

DANH MC TI LIU:

Tng quan th trng Thanh ton trc tuyn

Ti sao Doanh nghip/C nhn nn s dng V in t

Cu chuyn thnh cng ca PayPal.com

Cc hnh thc thanh ton ph bin trong TMT

Cng thanh ton trc tuyn Ngn hng: internet/mobile banking, ATM

V in t

Qua Telco: SMS, Th co, Ti khon

Giao hng v thu tin (COD)

Thanh ton qua dch v ca Telco

1) Nhn tin SMS 2) Th co np tin 3) Ti khon in thoi

Thanh ton bng internet/mobile banking, ATM

1) Mobile/SMS Banking

2) Internet Banking

Thanh ton qua Cng thanh ton trung gian

Ngn hng

Doanh nghip

Thanh ton qua V in t trung gian

Thanh ton ngay hoc tm gi

Np tin Th, ti khon Online, Offline

ngn hng ngi mua

VT ngi mua

VT ngi bn

Rt tin Online, Offline

Ti khon ngn hng ngi bn

Thanh ton ti a ch giao hng (COD)

Bn bn giao hng v thu tin ti a ch ca ngi mua hng.

DANH MC TI LIU:

Tng quan th trng Thanh ton trc tuyn

Ti sao Doanh nghip/C nhn nn s dng V in t

Cu chuyn thnh cng ca PayPal.com

V IN T A THCH NHT 2009 & 2010

L DO (1):
PHNG THC THANH TON A DNG, N GIN: NGN HNG v KHNG NGN HNG
KNH/NGUN NP TIN/THANH TON KNH RT TIN

Online
Internet Banking tt c cc ngn hng Vit Nam Th quc t (VISA, MasterCard, JCB) Th TD Vinaphone, Mobifone

Offline
Ti cc im GD ca NgnLng.vn

Offline
Hn 3.000 im giao dch Bu in Thanh ton ti quy giao dch ngn hng Thanh ton ti ATM ca ngn hng Cc im GD ca NgnLng.vn

Online
Chuyn v ti khon ngn hng

V IN T A THCH NHT 2009 & 2010

L do (2): AN TON
Thm d: Ti sao bn (khch hng) cha mua sm trc tuyn?
Khng mun tit l thng tin ti chnh trn mng
Mun tn mt nhn/s trc khi mua Thch tm kim trn mng nhng mua ti ca hng Khng c th ngn hng
21% 40%

???

41%

20%

S ri ro v tng nghe cc v vic la o Ph vn chuyn qu cao

18%

14%

650,000 thng tin th tn dng c th b mt cp

Thng tin c nhn ca 650,000 khch hng ca hng J.C. Penney v 100 nh bn l c th b tn hi khi thit b lu tr b mt cp.

Sony: d liu 75 triu ti khon th tn dng b e do t v Hack Play Station

Cc hacker t nhp vo mng dch v trc tuyn PlayStation Network ca hng Sony c th nh cp thng tin th tn dng thnh vin.

V IN T A THCH NHT 2009 & 2010

L DO (3): LNG TIN

NGI MUA C BO V KHI MUA & THANH TON TRC TUYN TRN INTERNET

Ngi mua
Thanh ton tm gi (1)
(-)

Ngi bn

Nhn thng bo Chuyn hng/dch v Nhn hng?

(+)

Tranh

chp(3)

Gii quyt tranh chp

(1) (2)

Chng thc(2)

Nhn thanh ton

Khng th hu b thanh ton H thng t ng xc nhn sau 7 ngy (3) Phi khiu ni trc khi thi hn tm gi kt thc

L do (4): Ngi bn c bo v (Charge Back)

Gim thiu ri ro X l s c Bo v ngi bn

Xc minh NM: th, ti khon NH, a ch nhn hng, giy t hp l T ng kim tra lch s giao dch ca NM, ngn chn hoc cnh bo nghi ng cho NB (*) Cng c t ngn chn cc GD khng mong mun: quc gia, a ch IP, loi ti khon NM

Lin lc ch ti khon, NH pht hnh ch ng xc minh & x l Hn 2.000 chuyn gia chng gian ln, lm vic 24/7 trn ton cu T l ri ro thp nht: di 0,17%
Mt s ngi bn ti Vit Nam s dng cc cng thanh ton khc b t l mt mt do Charge Back ln ti 20%

Bo v khi Charge Back khi lm theo ng hng dn an ton Qu n b gian ln, gn $200 triu/nm

(*) Cng ngh hng u th gii, do PayPal c quyn sng ch

V IN T A THCH NHT 2009 & 2010

L DO (5): CHI PH HP L
GII PHP PH HP NHT CHO MI DOANH NGHIP Gii php khc
2M ~ 20M 6M ~ 24M 2.000 ~ 6.000 + 2% ~ 4% Ln ti nhiu thng, ph thuc tng ngn hng Doanh nghip ln Ph thuc tng ngn hng Thanh ton ni a T qun l

So snh Ph khi to

V in t (NganLuong.vn)
Min ph Min ph 1.000 + 1%

Ph duy tr Ph giao dch

Thi gian tch hp Ph hp vi Tp khch hng Th trng Charge-back

1 ~ 24 gi, tt c cc knh Tt c Ngn hng hoc Khng ngn hng u c th Ni a & xuyn bin gii Ri ro thp, c h tr

DANH MC TI LIU:

Tng quan th trng Thanh ton trc tuyn

Ti sao Doanh nghip/C nhn nn s dng V in t

Cu chuyn thnh cng ca PayPal.com

V in t hng u th gii v Thanh ton online

An eBay company

~250 triu ti khon ti 190 th trng ~100 triu ngi dng tch cc

$3 t USD thanh ton Mobile @ 2011

Giao din thanh ton Mobile

~110 t USD hng nm TPV

Hng triu doanh nghip ang s dng

ng dng chuyn tin Mobile

Gii php thanh ton ni dung s

Nguyn tc hot ng
Ngun tin
Ngi mua chn cch thanh ton

Rt tin
Ngi bn chn cch rt tin

Ti khon ngn hng Th tn dng hoc ghi n Ti khon th tn dng Ti khon ngn hng

S d VT PayPal

S d VT PayPal

Mua sm

Confidential and Proprietary

17

Dn u v thanh ton Web & Mobile

2010: $1.5 t USD 2011: $3 t USD PayPal chim >50% th phn thanh ton Social Gaming ton th gii
Confidential and Proprietary

18

PayPal c a chung hn Visa/MC

S lng ti khon PayPal Anh 20 Triu % ngi dng Internet u tin PayPal* 35% u tin So snh vi Visa Card & Master Card Vt Visa/MC

c
M Chu u 190 th trng

5 Triu
80 Triu 35 Triu ~250 Triu

31% u tin
29% u tin 23% u tin

Vt Visa/MC
Ngang Visa/MC Ngang Visa/MC

* Source: Forrester Research, Q3 2006 Online Retail Survey, Nielson Online Consumer Report 2H07 ** Source: iResearch, China online payment market share

Confidential and Proprietary

19

200,000 subscribers

Confidential and Proprietary

20

Khch hng ch mua nu c PayPal

Nghin cu cho thy: nhiu khch hng quyt nh mua hng ch v website c chp nhn thanh ton PayPal

Doanh nghip
Ralph Lauren Dell 1-800-Flowers Toys R Us Sharper Image eBags Barnes & Nobles
Source: Blind buyer survey conducted by Northstar Research Partners in July and September 2007

T l chp nhn mua ch v website c PayPal

23% 14% 22% 26% 20% 20% 25%

Confidential and Proprietary

21

Cc thng hiu hng u th gii la chn PayPal

Confidential and Proprietary

22

GI DCH V GII PHP THANH TON TON DIN

TCH HP 2 TRONG 1: CNG C THU TIN TI U CHO WEBSITE BN HNG

Doanh nghip VN nhn tin t ~250 triu ngi mua ton cu

5,000+ doanh nghip nhn thanh ton t hng triu ngi mua

Confidential and Proprietary

23

Cng chia s thnh cng!

V in t
Doanh nghip

Ngi dng
Ngn hng

E: VinhTv@NganLuong.vn

P: 0936 850 911

W: www.NganLuong.vn