最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯基于互联网平台的金融业务

国际科技巨头竞相入驻越南金融科技市场

国际资讯基于互联网平台的金融业务

国际科技巨头竞相入驻越南金融科技市场

越南有着3000万的智能手机用户,52%的互联网覆盖率,这样的市场环境让越南逐渐成为了海外跨国企业眼中金融科技解决方案与数字金融发展的又一片沃土。

在线与移动支付已成为越南金融科技领域最具人气的一个分支,随着三星、蚂蚁金服等科技与互联网巨头的加入,竞争也变得愈演愈烈。

2017年9月,三星与越南国家支付(National Payment Corporation of Vietnam,NAPAS)合作上线了三星支付(Samsung Pay),目前已有七家银行接纳了三星支付。

近期,阿里巴巴旗下金融服务企业蚂蚁金服也与NAPAS签署了谅解备忘录,为中国旅越游客提供支付宝服务。据悉,此举或将提升未来几月支付宝用户量。

而苹果也计划短期内在越南推出其数字钱包Apple Pay。

越南国家银行(State Bank of Vietnam)支付部负责人兼NAPAS主席Pham Tien Dung表示:"卡片支付领域的新技术不仅提升了卡片持有人的交易便利度,同时还能确保交易安全,促进越南无现金支付。这种支付方式得到了政府与越南国家银行的支持。

越南银行卡协会(Viet Nam Bankcard Association)也指出,越南电子支付市场潜力巨大。越南人口结构年轻,手机使用率高,该国电子钱包服务或将迅猛发展。

近年来,越南银行采用不同的方式进行了数字化转型。

2017年,军事银行(Military Bank,MB)在Facebook Messenger上开设了名为eMBee Fanpage的新型交易渠道,为越南首创。用户只需在此通讯应用内发送信息,就可向银行提出查询余额、转账或存款、购买保险产品、申请贷款等要求。MB希望可通过Facebook开拓500名新用户。此种新方式为MB与其客户间开启了进行数字互动的新大门,也展示了越南银行业的大趋势。

2017年9月,越南外贸股份商业银行(Joint Stock Commercial Bank for Investment and Development of Vietnam,BIDV)与VNPT传媒公司(VNPT Media Corporation)签署合约,为电子支付网关VNPT Pay与BIDV终端客户间提供综合服务。该服务可用于收款服务、支付网关服务及电子钱包支付服务等。

LienVietPostBank则与MKI与Doreming这两家日本投资方签署了理解备忘录,以将自动解决方案应用至人力资源管理及Vien Viet电子钱包内支付工资领域

越南外贸银行(The Bank for Foreign Trade of Vietnam,Vietcombank)也扩大了与VietUnion的合作,以使用VietUnion的Payoo电子钱包。 Vietcombank同时也与MoMO及Moca等数家企业与解决方案提供商保有联系。

With 30 million smartphone users and a 52% Internet penetration rate, the Vietnamese market is believed by many to be fertile ground for fintech solutions and digital finance. Foreign multinationals and firms are entering the country in hopes to attract Vietnam’s young and connected population.

Online and mobile payment is already the most crowded segment in Vietnam’s fintech scene but now with the entrance of tech and Internet giants like Samsung and Ant Financial, competition is getting fiercer.

Samsung launched its mobile payment app Samsung Pay in September 2017 in partnership with the National Payment Corporation of Vietnam (NAPAS). Seven banks have already integrated Samsung Pay, allowing customers to use the contactless payment technology.

Most recently, Alibaba’s financial services arm Ant Financial, entered into a memorandum of understanding with NAPAS to enable Chinese tourists to use Alipay when travelling across Vietnam. The move is expected to boost the number of users of Alipay in next few months.

Apple also plans to bring its digital wallet, Apple Pay, to Vietnam soon.

“The use of new technology in card payment to enhance convenience and ensure transaction safety for card holders will help promote non-cash payment in Vietnam backed by the Government and the State Bank of Vietnam (SBV),” said Pham Tien Dung, the head of SBV’s payment department and the chairman of NAPAS.

According to the Viet Nam Bankcard Association, the e-payment market in Viet Nam has great potential. With a young population and high rate of mobile phone use, e-wallet services in the country are expected to grow rapidly.

Vietnamese banks go digital

In recent years, Vietnamese banks have carried out the digitalized process with different approaches.

In 2017, the Military Bank (MB) established a new transaction channel on Facebook Messenger called eMBee Fanpage, the first of its kind in Vietnam.

Customers only need to chat in the messaging app to make requests to the bank such as checking on account balance, money transfers or deposits, purchasing insurance products or applying for a loan. MB hopes it can have 500 new clients via Facebook.

The new tool has opened new doors for digital interaction between MB and its clients. It also demonstrates a broader trend in Vietnam’s banking sector.

In September 2017, the Joint Stock Commercial Bank for Investment and Development of Vietnam (BIDV) and VNPT Media Corporation signed a deal to provide integrated services between electronic payment gateway VNPT Pay and BIDV for end-customers. The services to be deployed include collection services, payment gateway services and e-wallet services.

LienVietPostBank has signed a memorandum of understanding with two Japanese investors, MKI and Doreming, to implement automated solutions for human resources management and salary payments in the Vien Viet e-wallet.

The Bank for Foreign Trade of Vietnam (Vietcombank) has expanded its co-operation with VietUnion to use the latter’s Payoo e-wallet service. Vietcombank has ties with several other providers and solutions including MoMo and Moca.


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