V IN T - XU HNG HAY NHU CU THIT YU !

Trong bi cnh khoa hc cng ngh thng tin pht trin nh v bo v tin trnh hi nhp kinh t
quc t ang din ra mnh m, vic xut hin cc phng tin v dch v thanh ton mi, hin
i nh th ngn hng, thanh ton qua internet, in thoi di ng thnh mt xu th tt yu v
lm xut hin mt s t chc chuyn mn cung cp cc gii php v dch v h tr cho hot
ng thanh ton ca cc ngn hng thng mi. Trong mt cuc kho st online, c 58% trong
s 30 triu ngi s dng internet tng a ra quyt nh mua hng qua mng v la chn
phng thc thanh ton online. iu cho thy, nhu cu thanh ton online tr nn ph bin v
v in t l phng thc thanh ton khng th thiu. Vy Thanh Ton Thng Mi hoc V in
t l g ?
V in t : ra i vo nm 2008 trong bi cnh th trng thng mai ang cn gp nhng cng
c thanh ton ph hp, v in t c k vng gip ngi mua v ngi bn kt ni nhanh
chng. Xut hin ti Vit Nam trong vng 5 nm, song v in t vn l hnh thc mi l vi a
s ngi tiu dng. Ni mt cch n gin, v in t l mt ti khon in t, n s dng nh
mt v tin ca bn trn internet, gip bn thanh ton cc khon ph trn internet hoc qua in
thoi, n gin v tit kim thi gian ln tin bc. Theo gii cng ngh th vi dng ti khon
ny, ngi dng khng cn cm theo nhng chic v dy cm tin mt hay c chc loi th ngn
hng m ch cn mt chic in thoi di ng. S thun tin ny m ra mt th trng tim
nng , n khin cc doanh nghip khng th lm ng trc ming bnh ngon ny. Trong thi
bui hin i ha, v in t ng vai tr thit yu trong vic pht trin thng mi in t, n
em li nhng li ch cho ngi mua, ngi bn, ngn hng v x hi.

Trm Hoa ua N
V l th trng tim nng, mt ming bnh m mt ngi, mt doanh nghip hay mt ngn
hng c th c chim, iu tr thnh mt cuc chin gia cc doanh nghip, ngn hng
trong vic pht hnh cc loi v in t c gng chim c th phn ln nht ny cng nhanh
cng tt. Tnh t nm 2009, Ngn hng Nh nc cp php th im dch v v in t cho 6
cng ty: VietUnion (Payoo), MobiVi, Smartlink, VNPay, VinaPay v M-Service. Ch trong mt
nm hot ng, khong 70.000 v in t c m, trong Payoo (ca VietUnion) c s
lng nhiu nht: hn 32.000 v, tip l VNPay vi hn 30.000 v v MobiVi trn 7.000
v. n cui nm 2009 c 9 Ngn hng Thng mi k kt v trin khai dch v v in t,
110 n v chp nhn thanh ton bng v in t
Mt s v in t trong nc :
Ngn lng: mt sn phm ca PeaceSoft Solutions Corporation
BaoKim: Cng ty con ca Cng ty C phn Vt Gi Vit Nam
VnMart: Cng ty c phn Gii php Thanh ton Vit Nam (VNPay)
Payoo: Cng ty c phn DV Trc tuyn Cng ng Vit (VietUnion)
MobiV: Cng ty c phn H tr DV Thanh ton Vit Ph
MoMo: v tin in t trn in thoi di ng ca VinaPhone
VinaPay: Cng ty c phn Cng ngh Thanh ton Vit Nam
Ewallet: Ngn hng thng mi c phn Tin Phong
Smartlink: Cng ty c phn DV Th Smartlink

M_Service: Cng ty c phn DV Di ng Trc tuyn

y ch l mt s v in t ph bin v cn rt nhiu dng v in t c cp php trong giai

on th nghim v s ra mt trong thi gian gn nht. iu nay cho thy mt mi trng cnh
tranh khc lit ang din ra mt cch m thm.
Tin ch Ca V in T
Vi c ch m thanh ton cc khon i n, nc, internet, i n thoi, truyn hnh cp hng thng
l m t rc ri nho nho cho cu c sng ti n dng ca chng ta. Chc bn cng tng ri vo
trng hp b ct i n, ngng internet, ct i n thoi v khng thanh ton ng hn phi khng?
Thu hiu nhu cu ny, cc v in t MoMo, Payoo hay Mobi V c thit k nh m t ngi
tr l thng minh, h tr v lm gip bn nhng cng vi c lin quan n thanh ton ha n
hng
thng:
ng dng s t ng nh ton b cc ha n m bn thanh ton. Bn c th la chn
thanh ton m t lc nhiu dch v hng thng vi ch m t c nhn. Bn khng cn nh p li s
ha n thanh ton, s tin cn thanh ton cho cc ln sau v ng dng s thay lm ht tt c. N
s t lin h vi cc n v cung cp dch v xc nh n s tin cn thanh ton.
Bn qu b n r n v khng c thi gian nh khi no phi thanh ton cc ha n? N s t
ng nhc bn thanh ton cc dch v hng thng. ng dng ny s thng bo s tin v thi
gian thanh ton cc dch v hng thng theo yu cu ca ch nhn, chnh l bn.
Ti Vit Nam c gn 10 ng dng v in t c cp php hot ng, nhng v in t no ang
hot ng mnh v pht trin tt u c chung mt mu s l cung cp c nhiu dch v v
tin ch, nu khng s ch lt t pha sau.
Hin ti MoMo ang nm trong tay th phn nhiu nht do cung ng c nhiu loi dch v nh
: thanh ton in, nc, v my bay, cc ph internet, bo him, mua th co, vay tiu dng...
V in T C Tht S Hp Dn :
Ngy trc, cch y 3, 4 nm th V in t (v) n r ln nh l mt m hnh kinh doanh mi,
khin cc cng ty x vo pht trin sn phm, dch v ginh git th trng vi k vng v
mt s pht trin ca cng c thanh ton khng s dng tin mt ny trong tng lai. Tng lai
tc l by gi y. V thc t l s k vng by gi v ang tr thnh mt b tc v n
ging nh mt bng hoa cha n tn. Hin nay, cc cng ty v, nu cn sng, th ch sng mt
cch thoi thp .Cn nh Mobi V tng thm nhp rt su vo h thng cc ngn hng c th
rt chuyn tin t v vo ti khon ngn hng mt cch d dng m khng mt ph giao dch, cn
nh Ngn Lng hp tc vi PayPal em ti mt chin lc ton din vi thanh ton 2 trong
1 cho ngi dng PayPal Vit Nam v ph cho mi giao dch cng gim i ng k, ri xut
hin thm nhiu cng ty v khc vy m gi y ch yu cc V in t u ch dng thanh
ton top-up np tin in thoi, thanh ton ho n in, nc

Cc Doanh Nghip Bn Hng Trc Tuyn Khng My Mn M

Vic kt hp v vo cc m hnh bn hng trc tuyn l hng i m cc doanh nghip kinh
doanh v ang hng ti v n nh trng vo i tng mua hng online v thanh ton online.
Th nhng bn c chc chc rng v in t do cc doanh nghip pht hnh c th s dng ti
cc im m bn cn thanh ton hay khng? V d bn mua hng ti mt siu th, shop qun o
hay thanh ton v my bay, nu lc thanh ton m bn bn bo l khng kt hp vi dch v do
bn pht hnh v cung ng, th lc bn s th no khi phn ln tin ca bn nm trong v.
Cc Doanh Nghip Bn Hng Truyn Thng Cm Thy Rm R
Nh ni trn, khi V in t bt u ph bin th nhng doanh nghip u khng mun
mnh l ngi chm chn trong vic tip cn mt knh thanh ton ang Hot i vi ngi tiu
dng. Khi c nhiu shop hoc cc qun n ung mun to thi quen thanh ton bng v in
t cho ngi dng. Mc d thanh ton qua v c gim gi ( thi bui ny ai chng mun tit
kim ), Nhng dn dn h cm thy bt tin v qu nhiu vn pht sinh nh khi thanh ton
bng v th bn thanh ton c tch hp hoc lin kt vi v ca khch hng hay khng, hay bn
quy phi kim tra giao dch thnh cng hay cha, nu li th ai x l, sau li phi mt cng
rt tin t v v phi qua bao nhiu cng on. Doanh nghip cm thy nhiu kh v khng kh
thi cho lm.
V in T Gi Chng Cn Tin ch G
S doanh nghip sng khoe vi v in t ch m trn mt bn tay. Trong khi nhiu doanh
nghip khc tn ti kh cht vt, nguyn nhn do ngi tiu dng Vit Nam vn yu thch
phng thc thanh ton s dng tin mt v gn y l qut th. Hn na, th ngn hng li
c h tr ln khi hu ht cc c quan, doanh nghip ang thanh ton, mua bn, chi tr tin
lng qua hnh thc chuyn khon ngn hng hoc Internet Banking.V n gin : bo tin vo
th cn c tin li, i u thanh ton cng tin. Bo tin vo v c c g u. Nu khng xi
tin mt th xi th, rt tin chuyn tin u c, h thng ngn hng gi rng khp, ATM c
khp ni. Thanh ton online th c dng c. Thc s Phan Anh nhn nh : V in t l mt
hnh thc thanh ton di ng. y c th s l xu hng thanh ton ca tng lai nhng hin ti
vn cn thiu tnh ng dng v s cn thit. Cc dch v v in t u ni thay th v tin truyn
thng nhng thi quen ca ngi dng vn thch mang theo mnh mt chic v.
Th Th Th Phn No Dnh Cho E-Card : a Con Sinh Sau Mun
Ngy 9/1/2015, Cng ty CP Gii php Thanh ton in lc v Vin thng (ECPay) ra mt th
thng tin khch hng s dng in eCard. Th ny lu tr cc thng tin khch hng v d liu
tin in gip cho vic tra cu, thanh ton tin in nhanh chng hn.
ng L Quang Bnh, Tng gim c ECPay cho bit, vic hng khch hng tip cn vi cc
dch v thanh ton in t l xu th tt yu theo ch trng ca Th tng Chnh ph v y
mnh thanh ton khng dng tin mt ti Vit Nam. "Vi tnh nng u vit, tnh bo mt tuyt
i ca th E-CARD, cng vi mng li kt ni rng khp v a dng v loi hnh tiu dng,

chng ti cam kt em n cht lng sn phm v dch v tt nht cho khch hng s dng
th", ng Bnh ni.
Th C S Khc Bit G Gia E-Card V Cc V in T Khc
Nu so snh E-CARD vi cc v in t hin ti th hu nh khng c s khc bit nhiu. V u
l mt dng trung gian thanh ton thng qua ngn hng l mt kt gi tin, t chuyn tin vo
cc v v chng ta dng v thanh ton cc loi hnh dch v. im khc bit duy nht ca
E-CARD so vi cc v khc l chng ta c sn mt lng khch hng to ln do nhu cu thanh
ton in lc.
Thng thng khi ti quy thu in lc thanh ton tin in hay thanh ton trc tuyn, khch
hng phi nh m khch hng c in trn thng bo hoc ha n tin in k trc. Nu qun
mang theo thng bo hoc ha n tin in, vic tra cu thng tin theo a ch h gia nh ti
quy thu hay trn mng s gy mt thi gian, dn n tnh trng qu ti ti quy thu ca ngnh
in.
Vi cc v in t khc, bn ch bit s tin mnh cn phi thanh ton l bao nhiu m khng th
tra cu chi tit mnh s dng bao nhiu, cch tnh th no, nu c thc mc th cng khng th
i chiu.
Th E-Card t ECPay gii quyt c vn ny. Trn th in r cc thng tin khch hng
nh: H v tn, m khch hng, s in thoi, s chng minh nhn dn, a ch. E-Card s dng
cng ngh c M nhn din khch hng t POS, my tnh bng ci t cc phn mm QR Code,
Bar Code thng tin khch hng v d liu tin in s c tm kim nhanh chng. Sau khi s
dng th E-Card tm kim d liu tin in, khch hng c th chn cc phng thc thanh
ton nh tin mt, thanh ton t ti khon v in t eDong ca ECpay v ti khon ngn hng
lin kt. Th E-Card s lin kt vi ti khon ngn hng v v eDong ca khch hng thanh
ton tin in mt cch an ton v nhanh chng.
Vi E-CARD, bn c th vo website eDong, tra cu khi lng in nng mnh s dng v
in ha n ra i chiu vi bin nhn do in Lc cung cp. Bn cnh , khch hng cn
c chm sc bi h thng gi tin nhn thng bo tin in v cc thng tin s dng in lin
quan ti s in thoi ca khch hng. Khng ch vy, khch hng s hu th E-Card c tham
gia chng trnh khch hng thn thit tch im i qu ca ECPay. Vi mi giao dch thanh
ton thnh cng bng V eDong hoc duy tr s d trn V eDong, khch hng s c tch im
thng quy i thnh qu tng, hng cc chnh sch chm sc khch hng c bit theo
chng trnh ECPay a ra. Cha bao gi ngi dn thanh ton tin in li c th tch im i
qu nh nhng li ch m th E-Card mang li.
Theo i din Hi Thng mi in t pht biu : Th trng v in t ni ring v trung gian
thanh ton ni chung rt tim nng v y l mt trong cc mao mch thanh ton ca nn kinh t.
Song, th trng ny pht trin c hay khng l do t bn thn doanh nghip tm ng c
ng i.

Cng theo li pht biu ca ng L Quang Bnh, chin lc hot ng ca ECPay n nm 2017
cung cp dich v cho hn 5.000.000 khch hng, s tr thnh mt n v a ngnh ngh, va
hot ng trong lnh vc ti chnh, va xy dng v cung cp cc gii php thanh ton, cng nh
hot ng trong lnh vc thng mi in t. V tm nhn, ECPay s tr thnh mt trong nhng
n v i u v cung cp, xy dng v pht trin cc dch v ti chnh v thng mai in t
hng u Vit Nam./.