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在越南,移动支付和网上银行实现快速增长 | 出海越南支付岛群第2期

2019-08-11 15:34:40

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专家在上周的一次会议上表示,过去五年来,越南的金融和银行业一直在经历数字浪潮,手机银行服务的支付额每年激增144%。

在上周在河内举行的银行业数字化会议期间,越南国家银行(SBV)支付部门主管Pham Tien Dung引用了今年早些时候发布的SBV调查数据,并指出银行已经大力投资于数字化他们的服务和运营。

截至今年4月底,94%的本地银行投资数字化,其中42%认为数字银行业务是其业务战略的重中之重。在过去三年中,越南的网上银行服务增长了6.3倍。

许多银行希望抓住机遇,实现商业模式的现代化。例如,越南的自动化银行系统LiveBank和利用数字银行平台Timoto为年轻人群提供金融服务的VPBank。

9月,VPBank推出了自己独立的数字银行YOLO,它提供传统的银行服务,如储蓄账户和贷款,还有出租车,电影,酒店预订和食品和饮料订单等日常服务。 YOLO背后的理念是提供一个多元化服务与银行相结合的数字生态系统。

除了移动支付和网上银行外,SBV的州长Le Minh Hung在11月1日的问答环节中向国民议会报告说,使用销售点(POS)机器和银行间电子交易的交易有在过去几年中也显着增加。

专家表示,网上银行,数字支付和生物识别技术的进步,帮助银行业为客户带来了新的便捷服务,并帮助他们实现可持续增长。他们还指出金融科技有可能改善金融包容性。

移动钱包开发商OnOnPay针对越南三线和农村地区的无银行账户人群。 ViettelPay是同名电信公司的新数字钱包部门,在短短四个月的运营中就吸引了200万用户,并逐渐服务于“农村和山区”。

Viettel进入数字支付领域后,越南电信公司迅速进入这一领域,呈现出更广泛的趋势。电信公司的广泛覆盖范围意味着这些公司提供的金融服务可能覆盖越南100%的人口。

 

越南央行推动数字支付和银行业务

SBV的副行长Nguyen Kim Anh表示,监管机构愿意帮助为金融科技创新创造有利环境。

“SBV特别关注微调法律框架,建立和颁布法律法规和方向,以加强信息技术基础设施和银行业安全的发展,”Anh说。

他说,SBV还建立了全国银行间电子支付系统(IBPS)和国家信用信息中心,运营顺利。

洪总督指出,SBV已发出10份通告,宣传非现金支付,并确保支付活动的安全性和安全性。 SBV还与越南电视台合作推出名为Smart Money and Wise Children的联合计划,以提高公众对金融服务的认识。今年早些时候,越南总理批准了SBV提交的一个新的数字支付平台项目,该项目主要针对公共服务的支付,如税收,电费,水费,学费,医院费用以及社会和公共福利计划。

根据Allied Market Research的报告,越南移动支付市场预计到2025年将达到709.37亿美元,从2018年到2025年的年均复合增长率为18.2%。2016年市场价值为160.54亿美元。

随着越南投资数字基础设施和数字支付服务(包括NFC支付),近场通信(NFC)交易预计将实现最快增长。

该报告指出,客户偏好的变化,即时交易需求的激增,互联网和智能手机普及率的提高以及电子商务行业的增长是市场增长的主要驱动因素。

尽管SBV没有官方报告,但服务提供商估计越南有1000万人使用数字钱包,与市场的巨大潜力相比,这是一个不大的数字。

越南最着名的数字和移动支付平台和创业公司包括MoMo,123Pay,Mobivi,NganLuong和Payoo。

数字钱包提供商最近开始实现产品多元化,引入贷款等服务。 10月,MoMo与新韩银行携手合作,让用户通过MoMo数字钱包向韩国银行申请贷款。 MoMo声称为大约500万用户提供服务。

另一方面,GrabPay在他们的应用程序中集成了Moca作为无现金支付方式。 Grab基本上是这样做的,因为他们需要许可证,Moca是这个越南移动支付许可证持有者之一。

 

原文

Mobile Payments, Internet Banking See Rapid Growth in Vietnam      

 

Vietnam has been experiencing a digital wave in its financial and banking industry, with payments through mobile banking services surging by a whopping 144% per year over the past five years, experts said at a conference last week.

During the conference on digitalizing the banking industry, held in Hanoi last week, Pham Tien Dung, director of the State Bank of Vietnam (SBV)’s payment department, cited data from an SBV survey released earlier this year, noting that banks have been heavily investing into digitalizing their services and operations.

By the end of April this year, 94% of local banks had invested in digitalization, of which 42% considered digital banking to be the top priority in their business strategy. Over the past three years, Internet banking services in Vietnam have accelerated by 6.3 times.

Many banks want to seize the opportunity and modernize their business models. Examples include LiveBank, an automated banking system in Vietnam, and VPBank, which has been leveraging digital banking platform Timoto provide financial services to younger demographics.

In September, VPBank launched its own stand-alone digital bank called YOLO that comes with traditional banking services like savings accounts, and loans, but also daily services such as taxis, movies, hotel bookings and food and beverage orders. The idea behind YOLO is to offer a digital ecosystem with diversified services combined with a bank.

In addition to mobile payments and online banking, Le Minh Hung, governor of the SBV, reported to the National Assembly during a Q&A session on November 1, that transactions using point-of-sale (POS) machines and inter-bank electronic transactions have also increased remarkably in the past years.

Experts said the development of Internet banking, digital payments and advances in biometric technology have helped the banking industry bring new and convenient services to customers, and help them reach sustainable growth. They also noted fintech’s potential to improve financial inclusion.

Mobile wallet developer OnOnPay targets the unbanked population in Vietnam’s third-tier and rural areas. ViettelPay, the new digital wallet arm of the eponymous telecom firm, hit two million users in just four months of operations and has gradually served those in “rural and mountainous areas.”

Viettel’s entrance into the digital payment space demonstrates a broader trend among Vietnam’s telecom firms which have been rapidly entering the space. Telecom firms’ wide reach means that financial services provided by these could potentially cover 100% of Vietnam’s population.

 

Vietnam central bank pushes for digital payments and banking

Nguyen Kim Anh, SBV’s deputy governor, cited the regulator’s willingness to help develop a favorable environment for fintech innovation.

“The SBV pays special attention to fine-tuning the legal framework, building and promulgating legal regulations and orientations in order to enhance the development of information technology infrastructure and security for the banking industry,” Anh said.

The SBV has also set up the national inter-bank electronic payment system (IBPS) and the national credit information center, which have been operating smoothly, he said.

Governor Hung noted that the SBV has issued 10 circulars on promoting non-cash payments and ensuring security and safety of payment activities. The SBV has also launched a joint program with Vietnam Television called Smart Money and Wise Children to raise public awareness about financial services. Earlier this year, Vietnam’s prime minister approved a project submitted by the SBV for a new digital payments platform, mainly targeted at payments for public services such as taxes, electricity, water, tuition, hospital fees, and social and public welfare programs.

According to Allied Market Research report, the Vietnam mobile payment market is projected to reach US$70,937 million by 2025, growing at a CAGR of 18.2% from 2018 to 2025. The market was valued at US$16,054 million 2016.

Near-field communication (NFC) transactions are expected to witness the fastest growth as Vietnam has been investing in digital infrastructure and digital payment services, including NFC payments.

The report notes changes in customer preferences, surge in need for immediate transactions, increased penetration of Internet and smartphones, and growth of the e-commerce industry have been the major drivers of the market’s growth.

Though there is no official report from the SBV, service providers estimate that 10 million people in Vietnam are using digital wallets, a modest figure compared with the great potential of the market.

Some of Vietnam’s most notable digital and mobile payment platforms and startups include MoMo123PayMobiviNganLuong, and Payoo.

Digital wallet providers have recently started diversifying their offerings, introducing services such as loans. In October, MoMo joined hands with Shinhan Bank to enable users to apply for loans from the South Korean bank through the MoMo digital wallet. MoMo claims to be serving some five million users.

GrabPay on the other hand integrated Moca as a cashless payment method in their app. Grab basically did that as they needed a licence and Moca was one of this vietnamese mobile payment licence holders.


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