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Techcombank
L Xun V
Gim c IT
H ni, Thng 5/2007

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Ni dung trnh by

Gii thiu v Techcombank

Khi nim v E-banking tiu chun

nh gi chung v mi trng knh phn phi in t

E-Banking ton cu

E-Banking ti Vit nam

Cc vn cn quan tm khi xy dng chin lc E-Banking

Techcombank vi Chin lc, sn phm E-Banking

Ngn hng TMCP K Thng Vit Nam Techcombank c thnh lp
ngy 27/09/1993
Vn iu l hin ti ca Techcombank l 1,500 t VND v c k hoch
tng ln 2,700 t VND vo cui nm 2007
Techcombank c h thng 86im giao dch ti 17 tnh/TP ln ti Vit
Nam (Tnh n thng 4/2007)
Techcombank l mt trong nhng ngn hng i u v cng ngh, c
h thng phn mm qun tr ngn hng hin i, ni mng trc tuyn
ton h thng vi phn mm T24 ca Temenos, Thu s.
Cc knh dch E-banking a dng, thun tin: 170 ATMs, 2700 Pos,
Internet Banking, Mobile Banking, Phone Banking...
Techcombank hin ang phc v hn 20,000 khch hng doanh
nghip, 200,000 khch hng c nhn vi sn phm dch v a dng,
trn gi v d dng tip cn

Gii thiu cc nt chnh

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E-banking tiu chun - bc tranh tng th

Ngn hng in t l
ngn hng
cung cp cc dch v
ti chnh thng qua
cc phng tin
in t
Mng ngn hng
Dch v trong ni b cng ty
Dch v ngn hng trong cng ty
Dch v trong ni b ngn hng
ATM-Banking
My rt tin ng

Cc knh giao dch in t
Internet banking
Mobile banking
PDA banking
Web_TV_Banking
Kinh doanh in t
Ngn hng cho ngi tiu dng
Ngn hng cng hp tc
Ngn hng phc v ring


Hng n ngi tiu dng

Tit kim chi ph u t v vn hnh

Xy dng h thng c th to ra cc sn phm mi 1
cch d dng

Xy dng h thng c th p ng nhiu nhu cu
khc nhau ca khch hng

Tch hp vi cc knh phn phi sn c

Hot ng lin tc 365 X 24


Mc ch ca ngn hng in t
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Khi nim v E-banking tiu chun


Ngn hng in t c nh ngha nh l mt phng thc
cung cp cc sn phm mi v sn phm truyn thng n
ngi tiu dng thng qua con ng in t v cc knh
truyn thng tng tc

Ngn hng in t cng c nh ngha l cc hot ng
trn cc nn tng sau:

Internet banking (or online banking)
Telephone banking
TV-based banking
Mobile phone banking
PC banking (or offline banking)
The ATM (Automated Teller Machine) channel

nh gi chung v mi trng knh phn phi in t





E-Banking ton cu - Qua cc thng k

Internet Banking ti M

Theo mt nghin cu ca Stegman chi ph trung bnh cho vic thc hin mt giao dch ngn hng bt k theo knh truyn
thng qua quy giao dch ti M l 1.07 USD. Vi vic p dng cng ngh, chi ph ca mt giao dch tng t thc hin qua
cc knh ngn hng t ng ng khc nhau ln lt l: 0.04 USD i vi mt giao dch thc hin qua trung tm lin lc
khch hng (call/contact center); 0.27 USD qua ATM; v 0.01 USD thng qua dch v Internet Banking thc hin trn mt
my tnh c nhn bnh thng. iu ny hin nhin chng t rng cc giao dch da trn cng ngh Internet tr nn kinh
t v hiu qu cho ngnh ngn hng M trong vic gim chi ph v ci thin cht lng dch v cho cc khch hng hin ti
v tim nng ca ngn hng phm vi ton cu.

Internet Banking ti Anh v cc nc chu u khc

Phn ln khch hng ti Anh v chu u s dng Internet Banking xem s d ti khon tin gi, ti khon tit kim, kim
tra giao dch hng ngy, i chiu s d. S dng dch v Internet Banking gip cc ngn hng gim chi ph hot ng v thi
gian lm vic ca nhn vin ti cc trung tm lin lc khch hng (call center), cc chi nhnh tr li khch hng v thc
hin cc giao dch lp i lp li. Khch hng cng c hng li nh dch v nhanh, chnh xc, m bo s ring t, tit
kim thi gian i li

Internet Banking ti khu vc chu - Thi Bnh Dng

Ti khu vc ny, Internet Banking c trin khai ti nhiu nc nh Trung Quc, Hong Kong, Singapore v Thi Lan. Ti
Trung Quc, Ngn hng Trung ng khuyn khch cc dch v Internet Banking t nm 2000. Ti Hong Kong, ngn hng
HSBC bt u cung cp dch v Internet Banking vo 1/8/2000. Vi dch v Internet Banking ca HSBC, khch hng c th
gi tit kim, u t chng khon, thanh ton ho n dch v v giao dch ngoi hi. Ti Singapore, dch v Internet
Banking u tin xut hin t nm 1997. Hin ti cc ngn hng ln ti Singapore u cung cp dch v ny nh Oversea
Union Bank (OUB), DBS Bank, Citibank, Hong Kongs Bank of East Asia, Oversea-Chinese Banking Corp. (OCBC). Ti Thi Lan,
dch v Internet Banking c cung cp t nm 1995. c bit sau cuc khng khong ti chnh nm 1997, cc ngn hng
Thi chu sc p phi ct gim chi ph chuyn hng sang y mnh cung cp cc dch v Internet Banking, coi y l mt
gii php gim chi ph nhn cng v tng tho mn ca khch hng.

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E-Banking ton cu Xu th hin nay

Xu th chung trong ngnh ngn hng l s hi t v mi mt,
bao gm: knh phn phi, vn ho bn hng, cc quy trnh Back-
office v c s h tng qun l tri thc u c tch hp thng
qua mi trng in t.
S tch hp thnh cng gip ngn hng pht trin chui cung
ng sn phm lin mch trong sut i vi khch hng.
Ngn hng dch chuyn s tp trung: t ch trng sn phm
thnh ch trng khch hng.
Kt ni khch hng v nh cung cp dch v, cc t chc ti
chnh kch thch/ thc y s tin cy ca khch hng, v ng vai
tr trung gian m bo nh cung cp c thanh ton y v
khch hng tho mn vi dch v.
Kt qu cui cng: Pht trin, duy tr khch hng vi quy
m ln, tit kim chi ph v gia tng li nhun

nh gi chung v mi trng knh phn phi in t


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E-Banking ti Vietnam

H thng thanh ton in t bt u c s tham gia ca h thng
SWIFT (Thng 3 nm 1995)
H thng thanh ton in t lin ngn hng (T5/2002) cho php
pht trin ngn hng bn l v bn bun
Cc ngn hng p dng dch v c bn ca ngn hng in t (Truy
vn) : TECHCOMBANK, VCB, v mt s ngn hng khc
Cc knh giao dch phi truyn thng nh ATM, POS cng c cc
ngn hng u t v khch hng s dng ngy cng ph bin
Mt s ngn hng NN ti vit Nam cung cp dch v NHT thc
th: Citibanking (Citibank), Hexagon (HSBC), DB-Direct (Deutsch
Bank), ANZ-link (ANZ bank). Tuy nhin mi dng li vic cung cp
cho KH l doanh nghip
Techcombank l ngn hng TMCP u tin c NHNN cp php
cho cung cp dch v E-banking thc th theo cc tiu chun quc
t ra th trng v c bit l khch hng bn l.


nh gi chung v mi trng knh phn phi in t

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E-Banking ti Vit Nam-C s php l

Vic cung cp cc dch v giao dch in t trong c Internet Banking c thc hin
trn c s Lut Giao dch in t ca Quc hi Nc Cng ho X hi Ch ngha Vit Nam
s 51/2005/QH11 ban hnh ngy 29/11/2005. y l c s php l mi nht thc hin
cc giao dch in t. Lut ny c hng dn c th bng ngh nh ca Chnh ph s
57/2006/N-CP ngy 9 thng 6 nm 2006 v Thng mi in t.

Mt s vn bn lut khc nh:

Quyt nh s 04/2006/Q-NHNN ban hnh Quy ch an ton, bo mt h thng cng ngh
thng tin trong ngnh Ngn hng.
Quyt nh s 35/2006/Q-NHNN ban hnh Quy nh v cc nguyn tc qun l ri ro
trong hot ng ngn hng in t.
Quyt nh s 376/2003/Q-NHNN Quy nh v bo qun, lu tr chng t in t s
dng hch ton v thanh ton vn ca cc t chc cung ng dch v thanh ton.
Quyt nh ca 308-Q/NH2 ban hnh Quy ch v lp, s dng, kim sot, x l, bo qun
v lu tr chng t in t ca cc Ngn hng v T chc tn dng.

nh gi chung v mi trng knh phn phi in t

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K hoch chin lc: phm vi kinh doanh, mc pht trin, phc tp ca
h thng, vn hnh...
nh gi c ROI
La chn hp l Phn mm ngn hng in t v cc dch v cung cp.
Phng n Bo mt tiu chun :
Chng thc: CA
Qun l mt khu: Token Key
Tng la.
Qun l v kim sot ni b
Nhng yu cu php l
Qun l nh cung cp.
Cc dch v bo him i km

Nm vng v hiu r phm vi v qun l ri ro
Ri ro giao dch/ vn hnh
Ri ro tn dng
Ri ro thanh khon
Ri ro php l
Ri ro chin lc
Ri ro danh ting



Cc vn cn quan tm trc khi xy dng chin lc
knh phn phi in t

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Mc ch & mc tiu
Tr thnh Ngn hng hng u vit nam trong lnh vc cung
ng sn phm dch v ngn hng in t v thng mi in
t
Chin lc ngn hng in t c pht trin thng qua
chin lc knh phn phi in t nhm thu ht v duy tr s
lng khch hng c hiu bit ngy cng tng thng qua vic
cp cc sn phm dch v a dng, thn thin d s dng tit
kim thi gian v chi ph.
nh hng cc knh phn phi in t s mang n cc sn
phm, dch v p ng ngay c nhu cu khch hng ngay
t s tip cn ban u.
Duy tr v pht trin cc knh phn phi in t m bo
khng cn l dch v khng sinh li.
Tch hp v h tr cc hot ng ngn hng truyn thng.


Chin lc knh phn phi in t

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Phm vi v gii php chnh
Tp trung vo khch hng ni a vi s thu ht trn phm vi
rng
Chuyn hng t nh hng sn phm sang nh hng khch
hng.
u t theo l trnh tng bc thch hp vo h thng ngn
hng in t tch hp hon chnh v c tnh tiu chun quc t.
Qung b v truyn thng cc knh phn phi in t thng qua
hp tc vi mt s cc cung cp dch v, cc hng bn l , bn
bun ln c uy tn trn th trng.
Hp tc, lin kt vi cc t chc: bn cho sn phm, tng tin
cy v lng tin ca ngn hng i vi khch hng
Chin lc knh phn phi in t

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Sn phm Home Banking, F@st I-Bank, F@st MobiPay
E-Banking cho khch hng c nhn

Qun l ti khon
Thanh ton ho n
M ti khon mi
Chuyn tin in t
Dch v u t, mi gii
Xin cp/ph duyt khon vay
Qun l tng hp tnh trng ti chnh c nhn
Kh nng t thit k theo nhu cu
Mi trng s dng: Internet, Mobile, Phone, Email
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Sn phm TeleB@nk, F@st I-Bank
E-Banking cho doanh nghip

Qun l ti khon
Qun l qu tin mt
H s xin vay, ph duyt, ng trc cho doanh nghip quy
m nh
Chuyn tin in t.
Cc dch v thanh ton quc t
Thanh ton gia cc doanh nghip
Qun tr thu nhp/ lng hu nhn vin
Kh nng t thit k theo nhu cu
Mi trng s dng: Internet, PC



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Sn phm F@st PayGate, F@st MobiPay
Gii php, dch v cng thanh ton in t cho nh
cung ng dch v v bn hng

Cng thanh ton in t PayGate l gii php v dch v
thanh ton bo mt cao c cung cp cho cc t chc bn
hng ho dch v (Merchant) gip cho ngi mua hng c
th thanh ton cho ngi bn hng nhm hon tt mt giao
dch mua bn v giao nhn hng ho dch v thng qua mi
trng thng mi in t E-commerce.
Dch v tch hp, a dng: a knh thanh ton, a tin t, a
ngn ng, a knh giao tip...
Chp nhn cc loi ti khon, th quc t ph bin
+VISA/MasterCard (bao gm c th Credit & Debit)
+ Amex, JCB, Diner Club, CUP, Domestic Debit
Mi trng s dng: Internet, Mobile



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CU HI & THO LUN

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TRN TRNG CM N !