{"id":2016,"date":"2017-12-27T16:15:46","date_gmt":"2017-12-27T09:15:46","guid":{"rendered":"http:\/\/khoahocnganhang.org.vn\/news\/?p=2016"},"modified":"2017-12-28T09:05:24","modified_gmt":"2017-12-28T02:05:24","slug":"tiem-nang-ung-dung-cua-cong-nghe-blockchain-trong-linh-vuc-thanh-toan","status":"publish","type":"post","link":"http:\/\/khoahocnganhang.org.vn\/news\/vi\/tiem-nang-ung-dung-cua-cong-nghe-blockchain-trong-linh-vuc-thanh-toan\/","title":{"rendered":"Ti\u1ec1m n\u0103ng \u1ee9ng d\u1ee5ng c\u1ee7a c\u00f4ng ngh\u1ec7 Blockchain trong l\u0129nh v\u1ef1c thanh to\u00e1n"},"content":{"rendered":"

Kh\u1ea3 n\u0103ng \u1ee9ng d\u1ee5ng l\u1edbn nh\u1ea5t c\u1ee7a Blockchain trong l\u0129nh v\u1ef1c thanh to\u00e1n. Blockchain <\/strong>c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u201cnh\u01b0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ec3 th\u1ef1c hi\u1ec7n thanh quy\u1ebft to\u00e1n, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o SWIFT v\u00e0 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00e1c\u201d. Di\u1ec5n \u0111\u00e0n kinh t\u1ebf th\u1ebf gi\u1edbi nh\u1eadn \u0111\u1ecbnh r\u1eb1ng c\u00f4ng ngh\u1ec7 Blockchain \u201cs\u1ebd thay \u0111\u1ed5i m\u1ed9t c\u00e1ch c\u01a1 b\u1ea3n c\u00e1ch th\u1ee9c kinh doanh c\u1ee7a \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh tr\u00ean to\u00e0n th\u1ebf gi\u1edbi\u201d v\u00e0 ti\u1ec1m n\u0103ng c\u00f3 th\u1ec3 t\u1ea1o ra nhi\u1ec1u \u0111\u1ed5i m\u1edbi trong l\u0129nh v\u1ef1c thanh to\u00e1n.<\/strong><\/p>\n

    \n
  1. Kh\u00e1i ni\u1ec7m v\u00e0 nh\u1eefng \u0111\u1eb7c t\u00ednh c\u00f4ng ngh\u1ec7 c\u1ee7a Blockchain<\/strong><\/li>\n<\/ol>\n

    Blockchain (Chu\u1ed7i kh\u1ed1i) l\u00e0 m\u1ed9t c\u1ea5u tr\u00fac chu\u1ed7i d\u1eef li\u1ec7u, gi\u00fap n\u00f3 ho\u1ea1t \u0111\u1ed9ng nh\u01b0 m\u1ed9t cu\u1ed1n s\u1ed5 c\u00e1i giao d\u1ecbch v\u00e0 chia s\u1ebb n\u00f3 trong m\u1ea1ng l\u01b0\u1edbi ph\u00e2n ph\u1ed1i gi\u1eefa c\u00e1c m\u00e1y t\u00ednh. Blockchain s\u1eed d\u1ee5ng m\u00e3 h\u00f3a \u0111\u1ec3 cho ph\u00e9p m\u1ed7i ng\u01b0\u1eddi tham gia trong h\u1ec7 th\u1ed1ng thao t\u00e1c t\u1ea1i s\u1ed5 c\u00e1i m\u1ed9t c\u00e1ch an to\u00e0n m\u00e0 kh\u00f4ng c\u1ea7n m\u1ed9t \u0111\u01a1n v\u1ecb trung t\u00e2m (FinTech Network, 2016). <\/em><\/p>\n

    V\u1ec1 b\u1ea3n ch\u1ea5t, blockchain l\u00e0 m\u1ed9t lo\u1ea1i s\u1ed5 c\u00e1i ph\u00e2n t\u00e1n (distributed ledger), bao g\u1ed3m c\u00e1c th\u00f4ng tin \u0111\u01b0\u1ee3c ghi l\u1ea1i b\u1eb1ng k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o trong c\u00e1c g\u00f3i g\u1ecdi l\u00e0 kh\u1ed1i. M\u1ed7i kh\u1ed1i th\u00f4ng tin \u0111\u1ec1u ch\u1ee9a th\u00f4ng tin v\u1ec1 th\u1eddi gian kh\u1edfi t\u1ea1o v\u00e0 \u0111\u01b0\u1ee3c li\u00ean k\u1ebft t\u1edbi kh\u1ed1i tr\u01b0\u1edbc \u0111\u00f3 s\u1eed d\u1ee5ng m\u1ed9t ch\u1eef k\u00fd m\u1eadt m\u00e3. \u0110i\u1ec1u n\u00e0y cho ph\u00e9p c\u00e1c chu\u1ed7i kh\u1ed1i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u01b0 l\u00e0 m\u1ed9t cu\u1ed1n s\u1ed5 c\u00e1i, trong \u0111\u00f3 th\u00f4ng tin \u0111\u01b0\u1ee3c truy c\u1eadp v\u00e0 chia s\u1ebb b\u1edfi b\u1ea5t c\u1ee9 ai c\u00f3 quy\u1ec1n truy c\u1eadp trong kh\u1ed1i chu\u1ed7i \u0111\u00f3. M\u1ed9t khi kh\u1ed1i th\u00f4ng tin \u0111\u00e3 \u0111\u01b0\u1ee3c ghi nh\u1eadn t\u1ea1i Blockchain th\u00ec r\u1ea5t kh\u00f3 c\u00f3 th\u1ec3 thay \u0111\u1ed5i ho\u1eb7c x\u00f3a b\u1ecf (FinTech Network, 2016). Trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 b\u1ea5t k\u1ef3 s\u1ef1 thay \u0111\u1ed5i n\u00e0o th\u00ec h\u1ec7 th\u1ed1ng c\u0169ng s\u1ebd ghi nh\u1eadn l\u1ea1i nh\u1eefng thay \u0111\u1ed5i n\u00e0y. Khi ai \u0111\u00f3 mu\u1ed1n th\u00eam th\u00f4ng tin, m\u1ed9t s\u1ed1 th\u00e0nh vi\u00ean trong m\u1ea1ng l\u01b0\u1edbi blockchain \u0111\u00f3 (th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 th\u1ee3 m\u1ecf – miner) s\u1ebd ch\u1ea1y c\u00e1c thu\u1eadt to\u00e1n ph\u1ee9c t\u1ea1p \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 v\u00e0 x\u00e1c minh c\u00e1c giao d\u1ecbch \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t.<\/p>\n

    \"1\"<\/a><\/p>\n

    * R3 (R3CEV LLC) l\u00e0 m\u1ed9t c\u00f4ng ty chuy\u00ean v\u1ec1 c\u00f4ng ngh\u1ec7 s\u1ed5 c\u00e1i ph\u00e2n t\u00e1n (DLT), \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi hi\u1ec7p h\u1ed9i c\u1ee7a h\u01a1n 70 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u1edbn nh\u1ea5t th\u1ebf gi\u1edbi v\u1ec1 nghi\u00ean c\u1ee9u v\u00e0 ph\u00e1t tri\u1ec3n vi\u1ec7c s\u1eed d\u1ee5ng c\u01a1 s\u1edf d\u1eef li\u1ec7u blockchain trong h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i th\u00e0nh ph\u1ed1 New York.<\/p>\n

    Ngu\u1ed3n: Pioneer Discover<\/em><\/p>\n

    C\u00f4ng ngh\u1ec7 Blockchain hi\u1ec7n \u0111\u00e3 v\u00e0 \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u quan t\u00e2m kh\u00f4ng ch\u1ec9 c\u1ee7a c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 m\u00e0 c\u00f2n l\u00e0 c\u1ee7a c\u00e1c ch\u00ednh ph\u1ee7, c\u01a1 quan qu\u1ea3n l\u00fd, c\u00e1c t\u1eadp \u0111o\u00e0n v\u00e0 doanh nghi\u1ec7p trong nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nhau nh\u01b0 y t\u1ebf, ki\u1ec3m to\u00e1n, b\u1ea3o hi\u1ec3m, qu\u1ea3n l\u00fd chu\u1ed7i cung \u1ee9ng, b\u1ea5t \u0111\u1ed9ng s\u1ea3n, \u0111\u0103ng k\u00fd s\u1edf h\u1eefu tr\u00ed tu\u1ec7, l\u01b0u tr\u1eef d\u1eef li\u1ec7u\u2026<\/p>\n

    C\u00f4ng ngh\u1ec7 Blockchain c\u0169ng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng mang l\u1ea1i nh\u1eefng thay \u0111\u1ed5i r\u1ea5t \u0111\u00e1ng t\u00edch c\u1ef1c v\u00e0 h\u1ee9a h\u1eb9n mang t\u1edbi m\u1ed9t k\u1ef7 nguy\u00ean s\u1ed1 cho ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng nh\u1edd kh\u1ea3 n\u0103ng \u0111\u1ed9t ph\u00e1 v\u1ec1 c\u00f4ng ngh\u1ec7, gi\u00fap thay \u0111\u1ed5i c\u00e1c quy tr\u00ecnh nghi\u1ec7p v\u1ee5 truy\u1ec1n th\u1ed1ng c\u1ee7a ng\u00e2n h\u00e0ng, \u0111\u1ea9y nhanh t\u1ed1c \u0111\u1ed9 giao d\u1ecbch c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5, gi\u1ea3m thi\u1ec3u b\u1edbt chi ph\u00ed v\u1eadn h\u00e0nh v\u00e0 mang l\u1ea1i \u0111\u1ed9 b\u1ea3o m\u1eadt cao trong ho\u1ea1t \u0111\u1ed9ng ng\u00e2n h\u00e0ng.<\/p>\n

    Di\u1ec5n \u0111\u00e0n kinh t\u1ebf th\u1ebf gi\u1edbi (World Economic Forum – WEF) \u0111\u00e3 k\u1ebft lu\u1eadn r\u1eb1ng c\u00f4ng ngh\u1ec7 Blockchain \u201cs\u1ebd thay \u0111\u1ed5i m\u1ed9t c\u00e1ch c\u01a1 b\u1ea3n c\u00e1ch th\u1ee9c kinh doanh c\u1ee7a \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh tr\u00ean to\u00e0n th\u1ebf gi\u1edbi\u201d trong nghi\u00ean c\u1ee9u m\u1edbi nh\u1ea5t c\u1ee7a h\u1ecd v\u1edbi ti\u00eau \u0111\u1ec1 \u201cT\u01b0\u01a1ng lai c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng t\u00e0i ch\u00ednh\u201d xu\u1ea5t b\u1ea3n th\u00e1ng 12\/2016. Trong nghi\u00ean c\u1ee9u n\u00e0y, WEF kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng c\u00f4ng ngh\u1ec7 Blockchain \u201cc\u00f3 ti\u1ec1m n\u0103ng l\u1edbn \u0111\u1ec3 th\u00fac \u0111\u1ea9y s\u1ef1 tinh gi\u1ea3n h\u00f3a v\u00e0 t\u00ednh hi\u1ec7u qu\u1ea3 trong c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 s\u1ebd t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn t\u00ednh ph\u00f9 h\u1ee3p c\u1ee7a c\u00e1c m\u00f4 h\u00ecnh kinh doanh hi\u1ec7n t\u1ea1i, \u0111\u1eb7t ra b\u00e0i to\u00e1nv\u1ec1 vi\u1ec7c thay \u0111\u1ed5i ph\u01b0\u01a1ng th\u1ee9c qu\u1ea3n l\u00fd v\u00e0 kinh doanh\u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd v\u00e0 kinh doanh\u201d.\u201d<\/p>\n

      \n
    1. Ti\u1ec1m n\u0103ng \u1ee9ng d\u1ee5ng c\u1ee7a Blockchain trong l\u0129nh v\u1ef1c thanh to\u00e1n<\/strong><\/li>\n<\/ol>\n

      \u00a0Blockchain \u0111ang t\u1ea1o ra m\u1ed9t s\u1ef1 thay \u0111\u1ed5i v\u00e0 chuy\u1ec3n \u0111\u1ed5i ch\u01b0a t\u1eebng c\u00f3 tr\u00ean th\u1ebf gi\u1edbi \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n. Blockchain kh\u00f4ng ch\u1ec9 \u0111em l\u1ea1i l\u1ee3i \u00edch cho kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng, m\u00e0 c\u00f2n h\u01b0\u1edbng \u0111\u1ebfn vi\u1ec7c t\u0103ng c\u01b0\u1eddng hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng v\u00e0 ti\u1ebft ki\u1ec7m chi ph\u00ed cho ch\u00ednh c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

      H\u1ec7 th\u1ed1ng thanh to\u00e1n truy\u1ec1n th\u1ed1ng \u0111\u00e3 v\u00e0 \u0111ang ch\u1ecbu r\u1ea5t nhi\u1ec1u \u00e1p l\u1ef1c \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn an to\u00e0n v\u00e0 an ninh k\u1ec3 t\u1eeb khi kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh 2008 v\u00e0 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u ng\u00e0y c\u00e0ng gia t\u0103ng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch thanh to\u00e1n. \u0110i\u1ec1u n\u00e0y \u0111\u00e3 d\u1eabn \u0111\u1ebfn vi\u1ec7c xu\u1ea5t hi\u1ec7n nh\u1eefng ng\u01b0\u1eddi ch\u01a1i m\u1edbi tr\u00ean th\u1ecb tr\u01b0\u1eddng nh\u01b0 c\u00e1c c\u00f4ng ty FinTech nh\u1eb1m \u0111\u01b0a ra c\u00e1c gi\u1ea3i ph\u00e1p v\u1ec1 c\u00f4ng ngh\u1ec7 – t\u00e0i ch\u00ednh gi\u1ea3i quy\u1ebft nh\u1eefng v\u1ea5n \u0111\u1ec1 n\u00eau tr\u00ean b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain.<\/p>\n

      \u00d4ng Chris Huls c\u1ee7a t\u1ed5 ch\u1ee9c Rabobank cho r\u1eb1ng blockchain c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u201cnh\u01b0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ec3 th\u1ef1c hi\u1ec7n thanh to\u00e1n, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o SWIFT[1]<\/strong><\/a> v\u00e0 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00e1c<\/em>\u201d. Theo truy\u1ec1n th\u1ed1ng, c\u00e1c giao d\u1ecbch thanh to\u00e1n v\u00e0 ng\u00e2n h\u00e0ng s\u1ebd ph\u1ea3i d\u1ef1a v\u00e0o m\u1ed9t c\u01a1 quan trung t\u00e2m\/trung gian \u0111\u1ec3 th\u1ef1c hi\u1ec7n quy\u1ebft to\u00e1n. Blockchain cho ph\u00e9p c\u00e1c \u0111\u01a1n v\u1ecb s\u1eed d\u1ee5ng th\u1ef1c hi\u1ec7n v\u00e0 x\u00e1c minh c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh tr\u00ean m\u1ea1ng ngay l\u1eadp t\u1ee9c m\u00e0 kh\u00f4ng c\u1ea7n th\u00f4ng qua c\u01a1 quan n\u00e0y.<\/p>\n

      Ngo\u00e0i vi\u1ec7c \u0111\u1ea9y nhanh t\u1ed1c \u0111\u1ed9 chuy\u1ec3n ti\u1ec1n, Blockchain c\u00f2n c\u00f3 th\u1ec3 gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng ho\u1ea1t \u0111\u1ed9ng li\u00ean t\u1ee5c theo th\u1eddi gian th\u1ef1c. \u0110i\u1ec1u n\u00e0y ph\u1ea7n n\u00e0o \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng trong vi\u1ec7c mong mu\u1ed1n th\u1ef1c hi\u1ec7n giao d\u1ecbch ng\u00e2n h\u00e0ng li\u00ean t\u1ee5c, b\u1ea5t c\u1ee9 l\u00fac n\u00e0o v\u00e0 b\u1ea5t k\u1ec3 ng\u00e0y hay \u0111\u00eam. V\u1edbi nh\u1eefng y\u00eau c\u1ea7u ng\u00e0y c\u00e0ng cao v\u00e0 kh\u1eaft khe h\u01a1n, nh\u1eefng kh\u00e1ch h\u00e0ng ng\u00e0y nay lu\u00f4n c\u1ea7n v\u00e0 mong mu\u1ed1n c\u00e1c giao d\u1ecbch thanh to\u00e1n c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch t\u1ed1t h\u01a1n, nhanh h\u01a1n v\u00e0 d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n

      Trong hai n\u0103m v\u1eeba qua, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh tr\u00ean to\u00e0n c\u1ea7u \u0111\u1eb7c bi\u1ec7t quan t\u00e2m t\u1edbi c\u00f4ng ngh\u1ec7 Blockchain. C\u00e1c t\u1ed5 ch\u1ee9c n\u00e0y \u0111\u00e3 chi h\u00e0ng ng\u00e0n \u0111\u00f4 la nghi\u00ean c\u1ee9u v\u1ec1 c\u00e1c kh\u00e1i ni\u1ec7m li\u00ean quan \u0111\u1ebfn Blockchain, ph\u00e1t h\u00e0nh ra h\u00e0ng lo\u1ea1t b\u00e1o c\u00e1o v\u00e0 tham gia v\u00e0o c\u00e1c \u0111\u01a1n v\u1ecb \u0111a ng\u00e0nh \u0111\u1ec3 t\u00ecm ra c\u00e1ch s\u1eed d\u1ee5ng v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain.<\/p>\n

      WEF d\u1ef1 b\u00e1o h\u1ebft n\u0103m 2017, 80% ng\u00e2n h\u00e0ng s\u1ebd kh\u1edfi \u0111\u1ed9ng c\u00e1c d\u1ef1 \u00e1n v\u1ec1 Blockchain. Trong 3 n\u0103m 2014-2016 c\u00f3 1,4 t\u1ef7 \u0111\u00f4 la \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 v\u00e0o nghi\u00ean c\u1ee9u v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 n\u00e0y v\u00e0 90 ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u0111ang quan t\u00e2m xem x\u00e9t c\u00f4ng ngh\u1ec7 n\u00e0y.<\/p>\n

      D\u01b0\u1edbi \u0111\u00e2y l\u00e0 ph\u00e2n t\u00edch m\u1ed9t v\u00e0i \u1ee9ng d\u1ee5ng c\u1ee7a c\u00f4ng ngh\u1ec7 Blockchain trong l\u0129nh v\u1ef1c thanh to\u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean th\u1ebf gi\u1edbi.<\/p>\n

      Giao th\u1ee9c Blockchain Ripple<\/strong><\/p>\n

      C\u00f4ng ngh\u1ec7 Ripple l\u00e0 m\u1ed9t “h\u1ec7 th\u1ed1ng thanh to\u00e1n t\u1ed5ng t\u1ee9c th\u1eddi theo th\u1eddi gian th\u1ef1c” (RTGS) \u0111\u1ec3 th\u1ef1c hi\u1ec7n vi\u1ec7c chuy\u1ec3n ti\u1ec1n v\u00e0 c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u1ed1i \u0111o\u00e1i. C\u00f4ng ngh\u1ec7 n\u00e0y \u0111\u01b0\u1ee3c ra m\u1eaft v\u00e0o 2012, nh\u1eb1m m\u1ee5c \u0111\u00edch cho ph\u00e9p “giao d\u1ecbch t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n an to\u00e0n, t\u1ee9c th\u1eddi v\u00e0 g\u1ea7n nh\u01b0 mi\u1ec5n ph\u00ed \u1edf b\u1ea5t k\u1ef3 quy m\u00f4 n\u00e0o m\u00e0 kh\u00f4ng c\u00f3 t\u1ed5n th\u1ea5t”. C\u00f4ng ngh\u1ec7 n\u00e0y h\u1ed7 tr\u1ee3 c\u00e1c ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n d\u1ef1a tr\u00ean c\u00e1c \u0111\u01a1n v\u1ecb ti\u1ec1n t\u1ec7 \u0111\u1ecbnh danh, ti\u1ec1n \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a, h\u00e0ng h\u00f3a ho\u1eb7c b\u1ea5t k\u1ef3 \u0111\u01a1n v\u1ecb gi\u00e1 tr\u1ecb kh\u00e1c.<\/em><\/p>\n

      C\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 Ripple nh\u01b0 m\u1ed9t m\u00e3 ngu\u1ed3n m\u1edf \u0111\u1ec3 thanh to\u00e1n v\u00e0 thay th\u1ebf cho nhi\u1ec1u \u0111\u01a1n v\u1ecb trung gian trong l\u0129nh v\u1ef1c thanh to\u00e1n, qua \u0111\u00f3 gi\u00fap ti\u1ebft ki\u1ec7m cho c\u00e1c t\u1ed5 ch\u1ee9c \u0111\u1ed1i t\u00e1c v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh. C\u00f4ng ngh\u1ec7 Ripple c\u00f3 th\u1ec3 gi\u00fap ng\u00e2n h\u00e0ng ti\u1ebft ki\u1ec7m 33% chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng trong qu\u00e1 tr\u00ecnh thanh to\u00e1n qu\u1ed1c t\u1ebf v\u00e0 cho ph\u00e9p chuy\u1ec3n ti\u1ec1n theo “Gi\u00e2y”.<\/p>\n

      V\u00ed d\u1ee5, Jame l\u00e0 m\u1ed9t kh\u00e1ch h\u00e0ng \u1edf M\u1ef9 mu\u1ed1n chuy\u1ec3n ti\u1ec1n cho Lili \u1edf Singapore. Jame c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n chuy\u1ec3n ti\u1ec1n thanh to\u00e1n cho nhau th\u00f4ng qua h\u1ec7 th\u1ed1ng thanh to\u00e1n t\u1ed5ng t\u1ee9c th\u1eddi theo th\u1eddi gian th\u1ef1c Ripple b\u1eb1ng c\u00e1ch \u0111\u0103ng nh\u1eadp t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh t\u1ea1i Ripple v\u00e0 y\u00eau c\u1ea7u chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh sang t\u00e0i kho\u1ea3n c\u1ee7a Lili. \u0110i\u1ec1u ki\u1ec7n \u0111\u1ec3 th\u1ef1c hi\u1ec7n giao d\u1ecbch chuy\u1ec3n ti\u1ec1n n\u00eau tr\u00ean l\u00e0 c\u1ea3 hai ng\u00e2n h\u00e0ng c\u1ee7a Jame v\u00e0 Lili \u0111\u1ec1u tham gia m\u1ea1ng l\u01b0\u1edbi c\u1ee7a Ripple.Ngay l\u1eadp t\u1ee9c h\u1ec7 th\u1ed1ng Ripple s\u1ebd \u00a0ti\u1ebfn h\u00e0nh qu\u00e1 tr\u00ecnh Nh\u1eadn bi\u1ebft kh\u00e1ch h\u00e0ng (Know your customer \u2013 KYC) v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro kh\u00e1ch h\u00e0ng. Khi c\u00e1c th\u00f4ng tin \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c th\u1ef1c, h\u1ec7 th\u1ed1ng s\u1ebd th\u00f4ng b\u00e1o \u0111\u1ebfn ng\u01b0\u1eddi d\u00f9ng chi ph\u00ed chuy\u1ec3n ti\u1ec1n (ph\u00ed c\u1ee7a ng\u00e2n h\u00e0ng nh\u1eadn v\u00e0 ph\u00ed c\u1ee7a ng\u00e2n h\u00e0ng g\u1eedi ti\u1ec1n), t\u1ef7 gi\u00e1. N\u1ebfu kh\u00e1ch h\u00e0ng ch\u1ea5p thu\u1eadn, giao d\u1ecbch s\u1ebd \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh. T\u1ea5t c\u1ea3 c\u00e1c qui tr\u00ecnh tr\u00ean ch\u1ec9 di\u1ec5n ra trong v\u00f2ng 5-10 gi\u00e2y, so v\u1edbi v\u00e0i ng\u00e0y c\u1ee7a c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng.<\/p>\n

      Ch\u00ednh v\u00ec v\u1eady, Blockchain c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n thanh to\u00e1n th\u1eddi gian th\u1ef1c v\u1edbi th\u1eddi gian th\u1ef1c tr\u00ean to\u00e0n c\u1ea7u, ho\u00e0n to\u00e0n minh b\u1ea1ch, ch\u1ed1ng gian l\u1eadn v\u1ec1 th\u1eddi gian th\u1ef1c v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd. V\u1ea5n \u0111\u1ec1 duy nh\u1ea5t c\u1ee7a c\u00f4ng ngh\u1ec7 Ripple l\u00e0 vi\u1ec7c c\u00f4ng ngh\u1ec7 m\u1ea1ng l\u01b0\u1edbi Blockchain \u0111\u1ed9c quy\u1ec1n n\u00e0y ch\u01b0a th\u1ec3 k\u1ebft n\u1ed1i v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng kh\u00e1c (FinTech Network, 2016). \u0110\u1ec3 k\u1ebft n\u1ed1i Ripple cho c\u00e1c giao th\u1ee9c Blockchain kh\u00e1c th\u00ec c\u1ea7n ph\u00e1t tri\u1ec3n, th\u1eed nghi\u1ec7m, \u1ee9ng d\u1ee5ng m\u1ed9t giao th\u1ee9c gi\u1eefa c\u00e1c s\u1ed5 c\u00e1i. Tuy nhi\u00ean, vi\u1ec7c ph\u00e1t tri\u1ec3n, s\u1eed d\u1ee5ng c\u00e1c giao th\u1ee9c Blockchain kh\u00e1c v\u1eabn c\u00f2n h\u1ea1n ch\u1ebf trong l\u0129nh v\u1ef1c thanh to\u00e1n.<\/p>\n

      \u0110\u1ed3ng ti\u1ec1n Cuber t\u1ea1i Estonia<\/strong><\/p>\n

      T\u1ea1i Estonia, ng\u00e2n h\u00e0ng LHV \u0111ang th\u1eed nghi\u1ec7m blockchain th\u00f4ng qua vi\u1ec7c gi\u1edbi thi\u1ec7u c\u00e1c lo\u1ea1i \u0111\u1ed3ng ti\u1ec1n c\u00f3 m\u00e0u \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 “Cuber”, v\u1ed1n l\u00e0 m\u1ed9t ch\u1ee9ng nh\u1eadn ti\u1ec1n g\u1eedi \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 b\u1eb1ng m\u00e3 h\u00f3a. D\u1ef1 \u00e1n s\u1ebd cho ph\u00e9p 01 chi nh\u00e1nh c\u1ee7a FinTech, Cuber Technology, ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng s\u1eed d\u1ee5ng Blockchain \u0111\u1ec3 cung c\u1ea5p chuy\u1ec3n ti\u1ec1n mi\u1ec5n ph\u00ed tr\u00ean c\u01a1 s\u1edf ti\u1ec1n \u0111\u1ecbnh danh tr\u00ean m\u1ea1ng ngang h\u00e0ng (P2P).<\/p>\n

      \u00d4ng Rain Lohmus, Ch\u1ee7 t\u1ecbch Ban Ki\u1ec3m so\u00e1t Ng\u00e2n h\u00e0ng LHV, tuy\u00ean b\u1ed1 t\u1ea5t c\u1ea3 c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng \u0111i\u1ec7n t\u1eed c\u1ee7a ch\u00ednh ph\u1ee7 v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh c\u1ee7a Estonia d\u1ef1a v\u00e0o m\u00e3 kho\u00e1 c\u00f4ng khai, cho ph\u00e9p ph\u00e1t tri\u1ec3n Blockchain theo m\u1ed9t c\u00e1ch t\u1ef1 nhi\u00ean.<\/p>\n

      \u00d4ng Chris Mager thu\u1ed9c t\u1ed5 ch\u1ee9c BNY Mellon c\u0169ng nh\u1ea5n m\u1ea1nh, t\u1ed5 ch\u1ee9c VISA Ch\u00e2u \u00c2u Collab v\u00e0 T\u1eadp \u0111o\u00e0n BTL \u0111ang h\u1ee3p t\u00e1c v\u1edbi nhau \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed9t n\u1ec1n t\u1ea3ng thanh to\u00e1n m\u1edbi xuy\u00ean bi\u00ean gi\u1edbi gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng trong \u0111\u00f3 s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 s\u1ed5 c\u00e1i ph\u00e2n ph\u1ed1i. D\u1ef1 \u00e1n s\u1ebd s\u1eed d\u1ee5ng n\u1ec1n t\u1ea3ng thanh to\u00e1n xuy\u00ean bi\u00ean gi\u1edbi c\u1ee7a BTL Interbit \u0111\u1ec3 t\u00ecm ra nh\u1eefng ph\u01b0\u01a1ng th\u1ee9c m\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng s\u1ed5 c\u00e1i ph\u00e2n ph\u1ed1i (hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 “h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh”) c\u00f3 th\u1ec3 gi\u1ea3m thi\u1ec3u t\u1ed1i \u0111a c\u00e1c b\u1ea5t l\u1ee3i trong vi\u1ec7c chuy\u1ec3n ti\u1ec1n trong n\u01b0\u1edbc v\u00e0 qua bi\u00ean gi\u1edbi gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng. Vi\u1ec7c ph\u00e1t tri\u1ec3n n\u00e0y c\u00f3 c\u00f9ng m\u1ee5c ti\u00eau t\u01b0\u01a1ng t\u1ef1 v\u1edbi Ripple nh\u01b0ng v\u00ec n\u00f3 d\u1ef1a tr\u00ean kh\u00e1i ni\u1ec7m h\u1ee3p \u0111\u1ed3ng Ethereum th\u00f4ng minh, n\u00ean c\u00f3 l\u1ebd s\u1ebd kh\u00f4ng gi\u1ed1ng nh\u01b0 Ripple, m\u00e0 c\u00f3 kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng h\u01a1n n\u1eefa.<\/p>\n

      \u0110\u1ed3ng xu thanh to\u00e1n ti\u1ec7n \u00edch<\/strong><\/p>\n

      B\u1ed1n ng\u00e2n h\u00e0ng l\u1edbn tr\u00ean to\u00e0n c\u1ea7u l\u00e0 UBS, Deutsche Bank, Santander v\u00e0 BNY Mellon \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi c\u00f4ng ty ph\u00e1t tri\u1ec3n Blockchain, Clearmatics v\u00e0 c\u00f4ng ty kinh doanh ICAP \u0111\u1ec3 t\u1ea1o ra m\u1ed9t \u0111\u1ea1i di\u1ec7n k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi cho lo\u1ea1i ti\u1ec1n t\u1ec7 \u0111\u1ecbnh danh k\u1ef9 thu\u1eadt s\u1ed1 fiat g\u1ecdi l\u00e0 “\u0110\u1ed3ng xu thanh to\u00e1n ti\u1ec7n \u00edch” (Utility Settlement Coin \u2013 USC). \u0110\u00e2y l\u00e0 s\u1ed1 ti\u1ec1n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng ti\u1ec1n m\u1eb7t c\u1ee7a m\u1ed7i lo\u1ea1i ti\u1ec1n t\u1ec7 l\u1edbn \u0111\u01b0\u1ee3c c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u1ee7ng h\u1ed9, ch\u1eb3ng h\u1ea1n nh\u01b0 \u0111\u1ed3ng \u0111\u00f4 la ho\u1eb7c \u0111\u1ed3ng euro ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 \u0111\u1ed3ng ti\u1ec1n s\u1ed1 m\u1edbi \u0111\u01b0\u1ee3c ph\u00e2n c\u1ea5p nh\u01b0 bitcoin.<\/p>\n

      M\u1eb7c d\u00f9 hi\u1ec7n t\u1ea1i v\u1eabn \u0111ang \u1edf d\u1ea1ng kh\u00e1i ni\u1ec7m, nh\u01b0ng \u0111\u1ed3ng xu ti\u1ec7n \u00edch c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m c\u00e1c b\u1ea5t l\u1ee3i trong nh\u1eefng k\u1ecbch b\u1ea3n thanh to\u00e1n b\u1eb1ng c\u00e1ch cung c\u1ea5p c\u01a1 ch\u1ebf thanh to\u00e1n nhanh h\u01a1n, \u00edt t\u1ed1n k\u00e9m h\u01a1n so v\u1edbi n\u1ec1n t\u1ea3ng chuy\u1ec3n ti\u1ec1n truy\u1ec1n th\u1ed1ng. C\u00e1c d\u1ef1 \u00e1n Blockchain nh\u01b0 v\u1eady c\u00f3 ti\u1ec1m n\u0103ng s\u1ebd t\u1ea1o ra s\u1ef1 thay \u0111\u1ed5i l\u1edbn \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng thanh quy\u1ebft to\u00e1n \u0111ang \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng do trong c\u00e1c h\u1ec7 th\u1ed1ng hi\u1ec7n t\u1ea1i th\u00ec giao d\u1ecbch c\u00f3 th\u1ec3 ph\u1ea3i m\u1ea5t \u0111\u1ebfn v\u00e0i ng\u00e0y \u0111\u1ec3 ho\u00e0n thi\u1ec7n v\u00e0 t\u1ea1o ra chi ph\u00ed l\u1edbn cho ng\u00e0nh t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng.<\/p>\n

      IBM \u00e1p d\u1ee5ng blockchain v\u00e0o thanh to\u00e1n qu\u1ed1c t\u1ebf<\/strong><\/p>\n

      IBM \u0111ang x\u00e2y d\u1ef1ng c\u00f4ng ngh\u1ec7 blockchain cho 7 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t c\u1ee7a Ch\u00e2u \u00c2u \u1edf l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c t\u1ebf nh\u1eb1m x\u00fac ti\u1ebfn th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c t\u1ebf cho c\u00e1c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba (SME). 7 ng\u00e2n h\u00e0ng g\u1ed3m c\u00f3 Deutsche Bank, HSBC, KBC, Natixis, Rabobank, Societe Generale v\u00e0 Unicredit.<\/p>\n

      IBM \u0111ang x\u00e2y d\u1ef1ng ch\u01b0\u01a1ng tr\u00ecnh blockchain m\u1edbi mang t\u00ean Chu\u1ed7i th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed (Digital Trade Chain), nh\u1eb1m gi\u00fap c\u00e1c b\u00ean theo d\u00f5i, qu\u1ea3n l\u00fd v\u00e0 giao d\u1ecbch tr\u00ean ph\u1ea1m vi qu\u1ed1c t\u1ebf. Gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 c\u1ee7a IBM s\u1ebd \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean khu\u00f4n kh\u1ed5 Blockchain m\u00e3 ngu\u1ed3n m\u1edf mang t\u00ean Hyperledger Fabric, v\u00e0 s\u1ebd ch\u00ednh th\u1ee9c \u0111i v\u00e0o ho\u1ea1t \u0111\u1ed9ng v\u00e0o cu\u1ed1i n\u0103m 2017.<\/p>\n

        \n
      1. C\u00e1c th\u00e1ch th\u1ee9c \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi vi\u1ec7c \u1ee9ng d\u1ee5ng Blockchain v\u00e0o l\u0129nh v\u1ef1c thanh to\u00e1n<\/strong><\/li>\n<\/ol>\n

        Hi\u1ec7n t\u1ea1i, Blockchain l\u00e0 m\u1ed9t trong nh\u1eefng gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c quan t\u00e2m nh\u1ea5t \u0111\u1ec3 gi\u1ea3i quy\u1ebft m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 l\u0129nh v\u1ef1c thanh to\u00e1n. Tuy nhi\u00ean, ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c c\u00f4ng ty FinTech s\u1ebd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c tr\u01b0\u1edbc khi Blockchain c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u1ee9ng d\u1ee5ng m\u1ed9t c\u00e1ch \u0111\u1ea7y \u0111\u1ee7 nh\u01b0 l\u00e0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c kh\u1ea3 thi \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng s\u1ef1 tin t\u01b0\u1edfng t\u1eeb c\u00f4ng ch\u00fang.<\/p>\n

        Th\u1ee9 nh\u1ea5t, th\u00e1ch th\u1ee9c v\u1ec1 c\u00e1c qui \u0111\u1ecbnh ph\u00e1p l\u00fd li\u00ean quan \u0111\u1ebfn Blockchain.<\/em> M\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra \u0111\u1ed1i v\u1edbi c\u00f4ng ngh\u1ec7 Blockchain l\u00e0 vi\u1ec7c kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 m\u1eb7t quy \u0111\u1ecbnh. Hi\u1ec7n t\u1ea1i kh\u00f4ng c\u00f3 ti\u00eau chu\u1ea9n ho\u1eb7c m\u1ed9t t\u1ed5 ch\u1ee9c trung t\u00e2m gi\u00e1m s\u00e1t\/qu\u1ea3n l\u00fd c\u00e1c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain n\u00e0o. Do v\u1eady c\u1ea7n thi\u1ebft ph\u1ea3i c\u00f3 m\u1ed9t s\u1ed1 h\u00ecnh th\u1ee9c qu\u1ea3n l\u00fd \u0111\u1ed1i v\u1edbi ph\u01b0\u01a1ng th\u1ee9c c\u00f4ng ngh\u1ec7 n\u00e0y. Tuy nhi\u00ean t\u1ea5t c\u1ea3 c\u00e1c b\u00ean \u0111\u1ec1u s\u1ebd ph\u1ea3i th\u1eadt c\u1ea9n tr\u1ecdng trong vi\u1ec7c x\u00e1c \u0111\u1ecbnh \u201cquy\u1ec1n qu\u1ea3n l\u00fd\u201d \u2013 \u0111\u01a1n v\u1ecb qu\u1ea3n l\u00fd, n\u1ed9i dung qu\u1ea3n l\u00fd, qu\u1ea3n l\u00fd nh\u01b0 th\u1ebf n\u00e0o, m\u1ee9c \u0111\u1ed9 v\u00e0 ph\u01b0\u01a1ng th\u1ee9c qu\u1ea3n l\u00fd \u0111\u1ec3 gi\u1ea3m thi\u1ec3u v\u00e0 qu\u1ea3n l\u00fd \u0111\u01b0\u1ee3c r\u1ee7i ro nh\u01b0ng v\u1eabn t\u1ea1o \u0111\u01b0\u1ee3c \u0111\u1ed9ng l\u1ef1c cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u00e1c \u1ee9ng d\u1ee5ng m\u1edbi c\u1ee7a Blockchain. Vi\u1ec7c x\u00e2y d\u1ef1ng c\u00e1c quy \u0111\u1ecbnh, ti\u00eau chu\u1ea9n, \u0111i\u1ec1u \u01b0\u1edbc li\u00ean quan \u0111\u1ebfn c\u00f4ng ngh\u1ec7 Blockchain \u0111\u01b0\u1ee3c c\u00e1c qu\u1ed1c gia v\u00e0 t\u1ed5 ch\u1ee9c qu\u1ed1c t\u1ebf ch\u1ea5p thu\u1eadn s\u1ebd m\u1ea5t nhi\u1ec1u th\u1eddi gian v\u00e0 h\u1ee3p t\u00e1c c\u1ee7a nhi\u1ec1u b\u00ean li\u00ean quan.<\/p>\n

        Th\u1ee9 hai, th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi vi\u1ec7c \u0111\u1ea3m b\u1ea3o t\u00ednh b\u1ea3o m\u1eadt. <\/em>H\u1ec7 th\u1ed1ng s\u1ed5 c\u00e1i \u0111i\u1ec7n t\u1eed m\u1edf s\u1ebd khi\u1ebfn s\u1ef1 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u kh\u00e1ch h\u00e0ng tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n. M\u1eb7c d\u00f9 \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c x\u1eed l\u00fd ph\u1ea7n n\u00e0o \u0111\u1ed1i v\u1edbi Blockchain ri\u00eang (Private Blockchain) v\u1edbi nh\u1eefng m\u00e3 h\u00f3a ph\u1ee9c t\u1ea1p, th\u00ec v\u1eabn c\u00f3 m\u1ed9t s\u1ed1 quan ng\u1ea1i v\u1ec1 v\u1ea5n \u0111\u1ec1 an ninh m\u1ea1ng c\u1ea7n \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft. N\u1ebfu \u0111i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o th\u00ec kh\u00e1ch h\u00e0ng m\u1edbi c\u00f3 th\u1ec3 tin t\u01b0\u1edfng \u0111\u1ec3 \u1ee7y th\u00e1c d\u1eef li\u1ec7u c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd cho c\u00e1c \u0111\u01a1n v\u1ecb s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain.<\/p>\n

        Th\u1ee9 ba, th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi vi\u1ec7c ph\u00f2ng ch\u1ed1ng c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn h\u00e0nh vi tr\u1ed9m c\u1eafp danh t\u00ednh, t\u00e0i tr\u1ee3 kh\u1ee7ng b\u1ed1 v\u00e0 ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n<\/em>\u2026 Do t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch thanh to\u00e1n d\u1ef1a tr\u00ean n\u1ec1n t\u1ea3ng Blockchain \u0111\u1ec1u \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua m\u1ea1ng internet n\u00ean c\u00f3 th\u1ec3 x\u1ea3y ra nh\u1eefng r\u1ee7i ro \u0111\u1ed1i v\u1edbi h\u00e0nh vi tr\u1ed9m c\u1eafp danh t\u00ednh, t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi d\u00f9ng ho\u1eb7c l\u1eadp nh\u1eefng t\u00e0i kho\u1ea3n gi\u1ea3 \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p.<\/p>\n

        Th\u1ee9 ba, th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi vi\u1ec7c t\u00edch h\u1ee3p n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 Blockchain v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng hi\u1ec7n t\u1ea1i. <\/em>Nh\u01b0 \u0111\u00e3 t\u1eebng x\u1ea3y ra v\u1edbi giao th\u1ee9c c\u00f4ng ngh\u1ec7 Ripple, hi\u1ec7n t\u1ea1i, c\u00e1c \u0111\u01a1n v\u1ecb ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 Blockchain v\u1eabn ch\u01b0a gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c vi\u1ec7c l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 cho c\u00e1c c\u00f4ng ngh\u1ec7 Blockchain c\u00f3 th\u1ec3 t\u00edch h\u1ee3p kh\u00f4ng ch\u1ec9 v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 thanh to\u00e1n hi\u1ec7n t\u1ea1i m\u00e0 c\u00f2n k\u1ebft n\u1ed1i v\u1edbi nhau. \u0110\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c vi\u1ec7c n\u00e0y, c\u1ea7n ph\u1ea3i c\u00f3 s\u1ef1 h\u1ee3p t\u00e1c v\u00e0 nh\u1ea5t tr\u00ed gi\u1eefa c\u00e1c b\u00ean li\u00ean quan kh\u00e1c nhau v\u00e0 s\u1ebd t\u1ed1n r\u1ea5t nhi\u1ec1u th\u1eddi gian.<\/p>\n

        Th\u1ee9 t\u01b0, th\u00e1ch th\u1ee9c v\u1ec1 kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng qui m\u00f4.<\/em> M\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 \u0111\u1eb7t ra \u0111\u1ec3 ph\u1ed5 bi\u1ebfn v\u00e0 \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain m\u1ed9t c\u00e1ch r\u1ed9ng r\u00e3i \u0111\u00f3 l\u00e0 l\u00e0m sao gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn t\u1ed1c \u0111\u1ed9 giao d\u1ecbch, qu\u00e1 tr\u00ecnh x\u00e1c minh v\u1edbi c\u00e1c gi\u1edbi h\u1ea1n v\u1ec1 d\u1eef li\u1ec7u. \u00d4ng Chris Mager c\u1ee7a t\u1ed5 ch\u1ee9c BNY Mellon cho r\u1eb1ng s\u1ebd c\u00f3 th\u1ec3 m\u1ea5t t\u1eeb \u200b\u200b7 \u0111\u1ebfn 10 n\u0103m \u0111\u1ec3 ph\u00e1t tri\u1ec3n v\u00e0 l\u00e0m cho h\u1ec7 th\u1ed1ng thanh to\u00e1n d\u1ef1a tr\u00ean Blockchain ho\u1ea1t \u0111\u1ed9ng v\u00e0 t\u00edch h\u1ee3p \u0111\u1ea7y \u0111\u1ee7 cho thanh to\u00e1n th\u01b0\u01a1ng m\u1ea1i v\u00e0\/ho\u1eb7c thanh to\u00e1n li\u00ean ng\u00e2n h\u00e0ng.<\/p>\n

          \n
        1. K\u1ebft lu\u1eadn v\u00e0 g\u1ee3i m\u1edf ch\u00ednh s\u00e1ch cho Vi\u1ec7t Nam<\/strong><\/li>\n<\/ol>\n

          Vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain trong l\u0129nh v\u1ef1c thanh to\u00e1n ti\u1ec1m n\u0103ng s\u1ebd gi\u00fap c\u00e1c giao d\u1ecbch nhanh h\u01a1n, gi\u1ea3m xung \u0111\u1ed9t, minh b\u1ea1ch h\u01a1n v\u00e0 an to\u00e0n h\u01a1n. Gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 blockchain c\u0169ng s\u1ebd l\u00e0m gi\u1ea3m chi ph\u00ed v\u00e0 g\u00e1nh n\u1eb7ng h\u00e0nh ch\u00ednh \u0111\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. \u01af\u1edbc t\u00ednh c\u00f4ng ngh\u1ec7 Blockchain c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m chi ph\u00ed c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng c\u1ee7a ng\u00e2n h\u00e0ng kho\u1ea3ng 15-20 t\u1ef7 USD m\u1ed7i n\u0103m t\u00ednh \u0111\u1ebfn n\u0103m 2022 – theo tuy\u00ean b\u1ed1 trong “B\u00e1o c\u00e1o FinTech 2.0” c\u1ee7a Santander InnoVentures.<\/p>\n

          Tuy nhi\u00ean, t\u1ea5t c\u1ea3 c\u00e1c b\u00ean li\u00ean quan tham gia v\u00e0o qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 n\u00e0y s\u1ebd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t s\u1ed1 kh\u00f3 kh\u0103n v\u00e0 th\u00e1ch th\u1ee9c. C\u00e1c th\u00e1ch th\u1ee9c v\u1ec1 t\u00ednh b\u1ea3o m\u1eadt, kh\u1ea3 n\u0103ng ph\u00e1t tri\u1ec3n v\u00e0 th\u1ed1ng nh\u1ea5t v\u1ec1 c\u00e1c quy \u0111\u1ecbnh v\u00e0 th\u00e1ch th\u1ee9c v\u1ec1 kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c quan t\u00e2m t\u01b0\u01a1ng \u0111\u01b0\u01a1ng nh\u01b0 th\u00e1ch th\u1ee9c v\u1ec1 an to\u00e0n m\u1ea1ng. \u0110\u1ec3 gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c th\u00e1ch th\u1ee9c n\u00e0y c\u1ea7n th\u1ef1c hi\u1ec7n th\u00f4ng qua H\u1ee3p t\u00e1c v\u00e0 ph\u1ed1i h\u1ee3p gi\u1eefa c\u00e1c b\u00ean li\u00ean quan g\u1ed3m c\u00e1c nh\u00e0 qu\u1ea3n l\u00fd, c\u00e1c ng\u00e2n h\u00e0ng, c\u00e1c c\u00f4ng ty FinTech v\u00e0 c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7. M\u1eb7c d\u00f9 v\u1eady, c\u00f3 2 \u0111i\u1ec1u c\u00f3 th\u1ec3 th\u1ea5y r\u00f5 trong v\u00f2ng 3 n\u0103m qua l\u00e0: (i) Nhu c\u1ea7u \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 c\u1ee7a c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh v\u00e0 (ii) V\u1edbi l\u01b0\u1ee3ng l\u1edbn v\u1ed1n \u0111\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m \u0111\u1ed5 v\u00e0o c\u00e1c doanh nghi\u1ec7p kh\u1edfi nghi\u1ec7p l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 Blockchain tr\u00ean th\u1ebf gi\u1edbi th\u1eddi gian qua \u0111\u00e3 cho th\u1ea5y s\u1ef1 h\u1ed7 tr\u1ee3 v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ea7u t\u01b0 t\u1ed1t s\u1ebd c\u00f3 th\u1ec3 gi\u00fap c\u00f4ng ngh\u1ec7 Blockchain t\u1ea1o ra m\u1ed9t trong nh\u1eefng cu\u1ed9c c\u00e1ch m\u1ea1ng l\u1edbn nh\u1ea5t trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng.<\/p>\n

          \u1ede Vi\u1ec7t Nam, c\u00f4ng ngh\u1ec7 Blockchain c\u00f2n kh\u00e1 m\u1edbi m\u1ebb \u0111\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. C\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 c\u01a1 quan qu\u1ea3n l\u00fd ch\u1ee7 y\u1ebfu v\u1eabn \u0111ang trong qu\u00e1 tr\u00ecnh ti\u1ebfp c\u1eadn v\u00e0 t\u00ecm hi\u1ec3u v\u1ec1 c\u00f4ng ngh\u1ec7 Blockchain \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 \u01b0u \u0111i\u1ec3m c\u0169ng nh\u01b0 r\u1ee7i ro m\u00e0 c\u00f4ng ngh\u1ec7 Blockchain c\u00f3 th\u1ec3 mang t\u1edbi cho h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng t\u1eeb \u0111\u00f3 quy\u1ebft \u0111\u1ecbnh vi\u1ec7c \u0111\u1ea7u t\u01b0, \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 n\u00e0y v\u00e0o trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a m\u00ecnh \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i v\u00e0 vi\u1ec7c ban h\u00e0nh c\u00e1c qui \u0111\u1ecbnh qu\u1ea3n l\u00fd \u0111\u1ed1i v\u1edbi Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. Kh\u1ea3o s\u00e1t c\u1ee7a Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c Ng\u00e2n h\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng v\u1ec1 m\u1ee9c \u0111\u1ed9 quan t\u00e2m v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n li\u00ean quan \u0111\u1ebfn c\u00e1c kh\u00eda c\u1ea1nh c\u1ee7a C\u00e1ch m\u1ea1ng c\u00f4ng nghi\u1ec7p 4.0 cho th\u1ea5y c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam \u0111\u1ec1u c\u00f3 \u0111\u1ecbnh h\u01b0\u1edbng \u0111\u1ea7u t\u01b0, n\u00e2ng c\u1ea5p v\u00e0 ph\u00e1t tri\u1ec3n h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 c\u1ee7a m\u00ecnh. \u0110\u1eb7c bi\u1ec7t c\u00f3 m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u1ec3 hi\u1ec7n s\u1ef1 quan t\u00e2m \u0111\u1ebfn m\u1ed9t s\u1ed1 c\u00f4ng ngh\u1ec7 m\u1edbi hi\u1ec7n \u0111\u1ea1i nh\u01b0 Blockchain, \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y, d\u1eef li\u1ec7u l\u1edbn, r\u00f4 b\u1ed1t t\u1ef1 \u0111\u1ed9ng\u2026 V\u1edbi nh\u1eefng d\u1ef1 b\u00e1o t\u00edch c\u1ef1c c\u1ee7a WEF v\u1ec1 s\u1ef1 quan t\u00e2m c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng v\u00e0 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng tr\u00ean th\u1ebf gi\u1edbi \u0111\u1ed1i v\u1edbi c\u00f4ng ngh\u1ec7 Blockchain, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i Vi\u1ec7t Nam c\u1ea7n ch\u1ee7 \u0111\u1ed9ng nghi\u00ean c\u1ee9u v\u00e0 ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 c\u00f4ng ty cung c\u1ea5p gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 Blockchain uy t\u00edn to\u00e0n c\u1ea7u nh\u1eb1m m\u1ee5c ti\u00eau: (i) T\u0103ng c\u01b0\u1eddng nh\u1eadn th\u1ee9c c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd v\u00e0 h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u1ec1 c\u00f4ng ngh\u1ec7 Blockchain; (ii) Nghi\u00ean c\u1ee9u th\u1eed nghi\u1ec7m \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng tr\u01b0\u1edbc ti\u00ean l\u00e0 \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c thanh to\u00e1n, trong \u0111\u00f3 nghi\u00ean c\u1ee9u gi\u1ea3i ph\u00e1p ph\u00e1t tri\u1ec3n m\u00f4 h\u00ecnh th\u1eed nghi\u1ec7m (sandbox) \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain trong thanh to\u00e1n gi\u00e1 tr\u1ecb th\u1ea5p; v\u00e0 (iii) Nghi\u00ean c\u1ee9u x\u00e2y d\u1ef1ng h\u00e0nh lang ph\u00e1p l\u00fd cho \u1ee9ng d\u1ee5ng c\u00f4ng ngh\u1ec7 Blockchain v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng.<\/p>\n

          \"2\"<\/a><\/p>\n

          ThS. L\u00ea Ph\u00fa L\u1ed9c<\/strong><\/p>\n

          Vi\u1ec7n Chi\u1ebfn l\u01b0\u1ee3c ng\u00e2n h\u00e0ng<\/strong><\/p>\n

          [1]<\/a>SWIFT\u00a0(Society for Worldwide Interbank and Financial Telecommunication)\u00a0l\u00e0\u00a0Hi\u1ec7p h\u1ed9i vi\u1ec5n th\u00f4ng li\u00ean ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf, \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp c\u00e1ch \u0111\u00e2y h\u01a1n 35 n\u0103m v\u1edbi 239 ng\u00e2n h\u00e0ng tr\u00ean 15 n\u01b0\u1edbc tham gia. Hi\u1ec7n nay,\u00a0SWIFT\u00a0\u0111\u00e3 li\u00ean k\u1ebft h\u01a1n 9.000 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh tr\u00ean 209 qu\u1ed1c gia v\u00e0 v\u00f9ng l\u00e3nh th\u1ed5.<\/p>\n","protected":false},"excerpt":{"rendered":"

          Kh\u1ea3 n\u0103ng \u1ee9ng d\u1ee5ng l\u1edbn nh\u1ea5t c\u1ee7a Blockchain trong l\u0129nh v\u1ef1c thanh to\u00e1n. Blockchain c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u201cnh\u01b0 m\u1ed9t ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ec3 th\u1ef1c hi\u1ec7n thanh quy\u1ebft to\u00e1n, kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o SWIFT v\u00e0 c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n thanh to\u00e1n kh\u00e1c\u201d. Di\u1ec5n \u0111\u00e0n kinh t\u1ebf th\u1ebf gi\u1edbi nh\u1eadn \u0111\u1ecbnh r\u1eb1ng c\u00f4ng ngh\u1ec7 Blockchain \u201cs\u1ebd thay …<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[50],"tags":[],"_links":{"self":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/2016"}],"collection":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/comments?post=2016"}],"version-history":[{"count":3,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/2016\/revisions"}],"predecessor-version":[{"id":2022,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/posts\/2016\/revisions\/2022"}],"wp:attachment":[{"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/media?parent=2016"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/categories?post=2016"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/khoahocnganhang.org.vn\/news\/wp-json\/wp\/v2\/tags?post=2016"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}