{"id":4631,"date":"2024-06-17T17:13:06","date_gmt":"2024-06-17T10:13:06","guid":{"rendered":"https:\/\/www.hoasen.edu.vn\/tuyensinh\/?p=4631"},"modified":"2024-06-17T17:13:07","modified_gmt":"2024-06-17T10:13:07","slug":"tiem-nang-cua-nganh-cong-nghe-tai-chinh","status":"publish","type":"post","link":"https:\/\/www.hoasen.edu.vn\/tuyensinh\/tiem-nang-cua-nganh-cong-nghe-tai-chinh\/","title":{"rendered":"Ti\u1ec1m n\u0103ng c\u1ee7a ng\u00e0nh C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) trong th\u1eddi \u0111\u1ea1i s\u1ed1"},"content":{"rendered":"\n

Tr\u01b0\u1edbc s\u1ef1 ph\u00e1t tri\u1ec3n nh\u01b0 v\u0169 b\u00e3o c\u1ee7a n\u1ec1n kinh t\u1ebf s\u1ed1, ng\u00e0nh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (ng\u00e0nh Fintech) tr\u1edf th\u00e0nh \u201cc\u01a1n s\u1ed1t\u2019\u2019 thu h\u00fat s\u1ef1 quan t\u00e2m c\u1ee7a h\u00e0ng ng\u00e0n th\u00ed sinh trong nh\u1eefng n\u0103m qua. \u0110\u00e2y c\u0169ng l\u00e0 th\u1eddi \u0111i\u1ec3m \u201cv\u00e0ng\u2019\u2019 \u0111\u1ec3 c\u00e1c b\u1ea1n theo \u0111u\u1ed5i ng\u00e0nh h\u1ecdc n\u00e0y v\u1edbi nhi\u1ec1u c\u01a1 h\u1ed9i r\u1ed9ng m\u1edf trong t\u01b0\u01a1ng lai. V\u1eady ng\u00e0nh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh l\u00e0 g\u00ec, h\u1ecdc ng\u00e0nh n\u00e0y ra tr\u01b0\u1eddng l\u00e0m g\u00ec? Ti\u1ec1m n\u0103ng c\u1ee7a ng\u00e0nh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh ra sao? \u0110\u1ecdc ngay b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y \u0111\u1ec3 l\u1ea7n l\u01b0\u1ee3t tr\u1ea3 l\u1eddi nh\u1eefng th\u1eafc m\u1eafc c\u1ee7a b\u1ea1n.<\/p>\n\n\n

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\"Fintech
Fintech th\u1ef1c ch\u1ea5t l\u00e0 g\u00ec? Ti\u1ec1m n\u0103ng nh\u01b0 th\u1ebf n\u00e0o trong th\u1eddi \u0111\u1ea1i c\u00f4ng ngh\u1ec7 s\u1ed1<\/figcaption><\/figure>\n<\/div>\n\n\n

1. Ng\u00e0nh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh l\u00e0 g\u00ec?<\/strong><\/h2>\n\n\n\n

C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh c\u00f3 t\u00ean ti\u1ebfng Anh l\u00e0 Fintech – vi\u1ebft t\u1eaft c\u1ee7a c\u1ee5m t\u1eeb \u201cFinancial Technology\u201d, gh\u00e9p gi\u1eefa t\u00e0i ch\u00ednh v\u00e0 c\u00f4ng ngh\u1ec7. L\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 th\u00f4ng minh, s\u00e1ng t\u1ea1o v\u00e0o trong c\u00e1c ho\u1ea1t \u0111\u1ed9ng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/p>\n\n\n\n

Nh\u1edd \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i, c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh tr\u1edf n\u00ean hi\u1ec7u qu\u1ea3 v\u00e0 ti\u1ec7n l\u1ee3i h\u01a1n trong c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 ng\u00e2n h\u00e0ng, ch\u1ee9ng kho\u00e1n, cho vay, thanh to\u00e1n, huy \u0111\u1ed9ng v\u1ed1n\u2026 C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh c\u00f2n bao g\u1ed3m nh\u1eefng kh\u00eda c\u1ea1nh kh\u00e1c nh\u01b0 AI (tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o), Big data (d\u1eef li\u1ec7u l\u1edbn), Blockchain, \u0111\u1ed3ng ti\u1ec1n \u1ea3o Bitcoin.<\/p>\n\n\n

\n
\"Ng\u00e0nh
Ng\u00e0nh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<\/div>\n\n\n

Tr\u00ean th\u1ef1c t\u1ebf, c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh \u0111\u00e3 t\u00e1c \u0111\u1ed9ng r\u1ea5t nhi\u1ec1u trong \u0111\u1eddi s\u1ed1ng, x\u00e3 h\u1ed9i c\u1ee7a ch\u00fang ta. H\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty, t\u1ed5 ch\u1ee9c, c\u01a1 quan ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh c\u0169ng \u0111\u00e3 \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 d\u00f9 nhi\u1ec1u hay \u00edt.<\/p>\n\n\n\n

V\u00ed d\u1ee5 nh\u01b0 b\u1ea1n c\u00f3 th\u1ec3 thanh to\u00e1n ti\u1ec1n, g\u1eedi ti\u1ec1n b\u1eb1ng \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ebfn ng\u00e2n h\u00e0ng. B\u1ea1n \u1ee9ng d\u1ee5ng Fintech \u0111\u1ec3 huy \u0111\u1ed9ng v\u1ed1n ho\u1eb7c qu\u1ea3n l\u00fd c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh m\u00e0 kh\u00f4ng c\u1ea7n s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a b\u1ea5t k\u1ef3 ai\u2026S\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a v\u00ed \u0111i\u1ec7n t\u1eed nh\u01b0 Momo, Zalo Pay, Viettel pay, Moca\u2026 c\u0169ng l\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 ph\u1ee5c v\u1ee5 nhu c\u1ea7u thanh to\u00e1n trong th\u1eddi \u0111\u1ea1i 4.0 hi\u1ec7n nay.<\/p>\n\n\n\n

<\/a>2. Ti\u1ec1m n\u0103ng c\u1ee7a ng\u00e0nh C\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech) trong th\u1eddi \u0111\u1ea1i s\u1ed1<\/strong><\/h2>\n\n\n\n

S\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a ng\u00e0nh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh mang \u0111\u1ebfn cho x\u00e3 h\u1ed9i nh\u1eefng ti\u1ec7n \u00edch r\u1ea5t l\u1edbn, nh\u1ea5t l\u00e0 l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 th\u00f4ng tin<\/strong><\/a>. Do \u0111\u00f3, c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh l\u00e0 ng\u00e0nh c\u00f3 ti\u1ec1m n\u0103ng m\u1edf r\u1ed9ng r\u1ea5t l\u1edbn trong t\u01b0\u01a1ng lai. Nhi\u1ec1u s\u00e1ng ki\u1ebfn ph\u00e1t minh hi\u1ec7n \u0111\u1ea1i c\u00f2n cho th\u1ea5y, Fintech c\u00f2n s\u1ebd c\u00f3 t\u1ea7m \u1ea3nh h\u01b0\u1edfng l\u1edbn trong \u0111a l\u0129nh v\u1ef1c ch\u1ee9 kh\u00f4ng ch\u1ec9 trong ph\u1ea1m vi ng\u00e2n h\u00e0ng, th\u01b0\u01a1ng m\u1ea1i, t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh hay s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh.<\/p>\n\n\n\n

Theo nghi\u00ean c\u1ee9u th\u1ed1ng k\u00ea, t\u00ednh \u0111\u1ebfn th\u00e1ng 9\/2020, t\u1ea1i Vi\u1ec7t Nam c\u00f3 kho\u1ea3ng 154 c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng trong l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp. C\u1ee5c th\u1ed1ng k\u00ea ng\u00e0nh Lao \u0110\u1ed9ng c\u0169ng cho bi\u1ebft, t\u1eeb n\u0103m 2020 \u0111\u1ebfn n\u0103m 2030, m\u1ee9c t\u0103ng tr\u01b0\u1edfng c\u1ee7a ng\u00e0nh Fintech l\u00e0 6%, d\u1ef1 ki\u1ebfn s\u1ebd c\u1ea7n kho\u1ea3ng 492.100 v\u1ecb tr\u00ed m\u1edbi n\u0103m 2030. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t trong \u00edt ng\u00e0nh c\u00f3 m\u1ee9c thu nh\u1eadp trung b\u00ecnh kh\u1ee7ng h\u1eb1ng n\u0103m, kho\u1ea3ng 83.660 USD\/n\u0103m.<\/p>\n\n\n\n

<\/a>3. H\u1ecdc ng\u00e0nh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh ra tr\u01b0\u1eddng s\u1ebd l\u00e0m g\u00ec?<\/strong><\/h2>\n\n\n\n

Sau khi t\u1ed1t nghi\u1ec7p ng\u00e0nh Fintech, c\u00e1c v\u1ecb tr\u00ed m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ea3m nhi\u1ec7m nh\u01b0:<\/p>\n\n\n\n