{"id":11312,"date":"2026-05-01T16:44:05","date_gmt":"2026-05-01T09:44:05","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/01\/gian-lan-thuong-mai-dien-tu-va-nhung-nghich-ly-trong-ky-nguyen-so\/"},"modified":"2026-05-01T16:44:05","modified_gmt":"2026-05-01T09:44:05","slug":"gian-lan-thuong-mai-dien-tu-va-nhung-nghich-ly-trong-ky-nguyen-so","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/01\/gian-lan-thuong-mai-dien-tu-va-nhung-nghich-ly-trong-ky-nguyen-so\/","title":{"rendered":"Gian l\u1eadn th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 nh\u1eefng ngh\u1ecbch l\u00fd trong k\u1ef7 nguy\u00ean s\u1ed1"},"content":{"rendered":"
\n

Trong s\u1ef1 ph\u00e1t tri\u1ec3n v\u0169 b\u00e3o c\u1ee7a n\u1ec1n kinh t\u1ebf s\u1ed1, gian l\u1eadn th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed kh\u00f4ng c\u00f2n \u0111\u01a1n thu\u1ea7n l\u00e0 nh\u1eefng cu\u1ed9c t\u1ea5n c\u00f4ng k\u1ef9 thu\u1eadt v\u00e0o t\u01b0\u1eddng l\u1eeda hay h\u1ea1 t\u1ea7ng b\u1ea3o m\u1eadt. Nh\u1eefng ph\u00e1t hi\u1ec7n m\u1edbi t\u1eeb b\u00e1o c\u00e1o c\u1ee7a Ecommpay \u0111\u00e3 l\u1ed9t tr\u1ea7n ba s\u1ef1 th\u1eadt nghi\u1ec7t ng\u00e3 m\u00e0 ch\u00fang ta v\u1eabn th\u01b0\u1eddng n\u00e9 tr\u00e1nh: k\u1ebb th\u00f9 l\u1edbn nh\u1ea5t c\u1ee7a an ninh thanh to\u00e1n kh\u00f4ng n\u1eb1m \u1edf thu\u1eadt to\u00e1n, m\u00e0 ch\u00ednh l\u00e0 s\u1ef1 t\u1ed5n th\u01b0\u01a1ng c\u1ee7a con ng\u01b0\u1eddi trong h\u1ec7 sinh th\u00e1i s\u1ed1. Khi ranh gi\u1edbi gi\u1eefa ti\u1ec7n \u00edch thanh to\u00e1n v\u00e0 r\u1ee7i ro b\u1ecb x\u00f3a nh\u00f2a, c\u00e1c doanh nghi\u1ec7p kh\u00f4ng ch\u1ec9 \u0111\u1ed1i m\u1eb7t v\u1edbi thi\u1ec7t h\u1ea1i t\u00e0i ch\u00ednh m\u00e0 c\u00f2n l\u00e0 s\u1ef1 x\u00f3i m\u00f2n ni\u1ec1m tin \u2013 lo\u1ea1i t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh quan tr\u1ecdng nh\u1ea5t trong fintech.<\/p>\n

\n \"Gian
\u1ea2nh t\u1eeb ngu\u1ed3n: thefintechtimes.com<\/em><\/figcaption><\/figure>\n

Khi con ng\u01b0\u1eddi tr\u1edf th\u00e0nh m\u1eaft x\u00edch y\u1ebfu nh\u1ea5t trong chu\u1ed7i b\u1ea3o m\u1eadt<\/h2>\n

Su\u1ed1t th\u1eadp k\u1ef7 qua, cu\u1ed9c \u0111ua c\u00f4ng ngh\u1ec7 trong l\u0129nh v\u1ef1c fintech ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o vi\u1ec7c gia c\u1ed1 c\u00e1c “ph\u00e1o \u0111\u00e0i” k\u1ef9 thu\u1eadt s\u1ed1 b\u1eb1ng AI, sinh tr\u1eafc h\u1ecdc v\u00e0 m\u00e3 h\u00f3a \u0111a l\u1edbp. Tuy nhi\u00ean, s\u1ef1 th\u1eadt cay \u0111\u1eafng \u0111\u01b0\u1ee3c ch\u1ec9 ra l\u00e0 m\u1ecdi h\u1ec7 th\u1ed1ng ph\u00f2ng th\u1ee7 tinh vi nh\u1ea5t \u0111\u1ec1u tr\u1edf n\u00ean v\u00f4 ngh\u0129a khi ng\u01b0\u1eddi d\u00f9ng cu\u1ed1i \u2013 t\u1ee9c kh\u00e1ch h\u00e0ng \u2013 v\u1eabn l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ecb thao t\u00fang qua t\u00e2m l\u00fd h\u1ecdc h\u00e0nh vi. C\u00e1c k\u1ecbch b\u1ea3n l\u1eeba \u0111\u1ea3o hi\u1ec7n \u0111\u1ea1i kh\u00f4ng nh\u1eafm v\u00e0o l\u1ed7i h\u1ec7 \u0111i\u1ec1u h\u00e0nh, ch\u00fang nh\u1eafm v\u00e0o n\u1ed7i s\u1ee3 h\u00e3i, s\u1ef1 thi\u1ebfu ki\u00ean nh\u1eabn v\u00e0 l\u00f2ng tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7t ra m\u1ed9t d\u1ea5u h\u1ecfi l\u1edbn v\u1ec1 tri\u1ebft l\u00fd ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng s\u1ed1 hi\u1ec7n nay: li\u1ec7u ch\u00fang ta c\u00f3 \u0111ang \u01b0u ti\u00ean t\u1ed1c \u0111\u1ed9 giao d\u1ecbch qu\u00e1 m\u1ee9c m\u00e0 qu\u00ean \u0111i vi\u1ec7c b\u1ed3i d\u01b0\u1ee1ng “n\u0103ng l\u1ef1c an to\u00e0n” cho ch\u00ednh ng\u01b0\u1eddi d\u00f9ng?<\/p>\n

Vi\u1ec7c hi\u1ec7n \u0111\u1ea1i h\u00f3a c\u00e1c n\u1ec1n t\u1ea3ng thanh to\u00e1n kh\u00f4ng th\u1ec3 t\u00e1ch r\u1eddi v\u1edbi gi\u00e1o d\u1ee5c ng\u01b0\u1eddi d\u00f9ng. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00e1ch ch\u00fang ta \u0111\u1ecbnh h\u00ecnh l\u1ea1i t\u01b0 duy t\u00e0i ch\u00ednh th\u00f4ng qua vi\u1ec7c hi\u1ec7n \u0111\u1ea1i h\u00f3a \u0111\u1ea7u t\u01b0 v\u00e0ng mi\u1ebfng th\u00f4ng qua n\u1ec1n t\u1ea3ng fintech<\/a>, b\u1ea3o m\u1eadt trong th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed c\u1ea7n m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn mang t\u00ednh h\u1ec7 th\u1ed1ng, n\u01a1i m\u00e0 s\u1ef1 an to\u00e0n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p v\u00e0o quy tr\u00ecnh tr\u1ea3i nghi\u1ec7m thay v\u00ec ch\u1ec9 l\u00e0 c\u00e1c th\u00f4ng b\u00e1o c\u1ea3nh b\u00e1o kh\u00f4 khan. S\u1ef1 t\u1ed5n th\u01b0\u01a1ng c\u1ee7a con ng\u01b0\u1eddi kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t bi\u1ebfn s\u1ed1 c\u1ed1 \u0111\u1ecbnh, m\u00e0 l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c v\u1ec1 qu\u1ea3n tr\u1ecb tr\u1ea3i nghi\u1ec7m m\u00e0 c\u00e1c doanh nghi\u1ec7p fintech c\u1ea7n ph\u1ea3i gi\u1ea3i quy\u1ebft ngay l\u1eadp t\u1ee9c.<\/p>\n

T\u00e1i \u0111\u1ecbnh ngh\u0129a c\u1ea5u tr\u00fac ph\u00f2ng th\u1ee7 tr\u01b0\u1edbc l\u00e0n s\u00f3ng gian l\u1eadn<\/h2>\n

Nh\u1eefng ngh\u1ecbch l\u00fd v\u1ec1 gian l\u1eadn th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed cho th\u1ea5y s\u1ef1 chuy\u1ec3n d\u1ecbch t\u1ea5t y\u1ebfu c\u1ee7a m\u00f4 h\u00ecnh kinh doanh trong t\u01b0\u01a1ng lai. Thay v\u00ec ch\u1ec9 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng c\u1ee5 ng\u0103n ch\u1eb7n th\u1ee5 \u0111\u1ed9ng, doanh nghi\u1ec7p ph\u1ea3i x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 sinh th\u00e1i ch\u1ee7 \u0111\u1ed9ng. S\u1ef1 th\u1eadt th\u1ee9 hai \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o \u0111\u1ec1 c\u1eadp ch\u00ednh l\u00e0 t\u00ednh ch\u1ea5t l\u1ed7i th\u1eddi c\u1ee7a c\u00e1c h\u1ec7 th\u1ed1ng ng\u0103n ch\u1eb7n gian l\u1eadn truy\u1ec1n th\u1ed1ng. Khi t\u1ed9i ph\u1ea1m m\u1ea1ng s\u1eed d\u1ee5ng AI \u0111\u1ec3 t\u1ea1o ra c\u00e1c k\u1ecbch b\u1ea3n l\u1eeba \u0111\u1ea3o c\u00e1 nh\u00e2n h\u00f3a cao \u0111\u1ed9, th\u00ec c\u00e1c b\u1ed9 quy t\u1eafc l\u1ecdc (filter) c\u0169 k\u1ef9 d\u1ef1a tr\u00ean danh s\u00e1ch \u0111en \u0111\u00e3 tr\u1edf n\u00ean l\u1ea1c h\u1eadu. \u0110\u00e2y l\u00e0 l\u00fac c\u00e1c doanh nghi\u1ec7p c\u1ea7n m\u1ed9t cu\u1ed9c c\u00e1ch m\u1ea1ng trong t\u01b0 duy d\u1eef li\u1ec7u.<\/p>\n

Vi\u1ec7c t\u00edch h\u1ee3p d\u1eef li\u1ec7u h\u00e0nh vi th\u1eddi gian th\u1ef1c kh\u00f4ng ch\u1ec9 gi\u00fap t\u0103ng t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i m\u00e0 c\u00f2n l\u00e0 l\u00e1 ch\u1eafn th\u00e9p ng\u0103n ch\u1eb7n c\u00e1c giao d\u1ecbch \u0111\u00e1ng ng\u1edd. Tuy nhi\u00ean, r\u00e0o c\u1ea3n l\u1edbn nh\u1ea5t l\u1ea1i n\u1eb1m \u1edf chi ph\u00ed v\u00e0 s\u1ef1 ph\u1ee9c t\u1ea1p khi tri\u1ec3n khai. Nhi\u1ec1u doanh nghi\u1ec7p Vi\u1ec7t Nam hi\u1ec7n nay v\u1eabn loay hoay trong vi\u1ec7c c\u00e2n b\u1eb1ng gi\u1eefa tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng m\u01b0\u1ee3t m\u00e0 (frictionless checkout) v\u00e0 c\u00e1c ch\u1ed1t ki\u1ec3m so\u00e1t an ninh nghi\u00eam ng\u1eb7t. \u0110\u00e2y l\u00e0 m\u1ed9t b\u00e0i to\u00e1n kh\u00f3, \u0111\u00f2i h\u1ecfi s\u1ef1 tinh t\u1ebf trong vi\u1ec7c thi\u1ebft k\u1ebf l\u1ed9 tr\u00ecnh kh\u00e1ch h\u00e0ng. Ch\u00fang ta kh\u00f4ng th\u1ec3 y\u00eau c\u1ea7u ng\u01b0\u1eddi d\u00f9ng x\u00e1c th\u1ef1c qu\u00e1 nhi\u1ec1u l\u1ea7n, nh\u01b0ng c\u0169ng kh\u00f4ng th\u1ec3 \u0111\u00e1nh \u0111\u1ed5i s\u1ef1 an to\u00e0n b\u1eb1ng m\u1ecdi gi\u00e1.<\/p>\n

T\u00e1c \u0111\u1ed9ng v\u0129 m\u00f4 v\u00e0 t\u01b0\u01a1ng lai c\u1ee7a ni\u1ec1m tin s\u1ed1<\/h2>\n

Nh\u00ecn t\u1eeb g\u00f3c \u0111\u1ed9 v\u0129 m\u00f4, gian l\u1eadn th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed kh\u00f4ng ch\u1ec9 l\u00e0 n\u1ed7i \u0111au c\u1ee7a ri\u00eang c\u00e1c \u0111\u01a1n v\u1ecb v\u1eadn h\u00e0nh s\u00e0n giao d\u1ecbch, m\u00e0 n\u00f3 l\u00e0 m\u1ed9t l\u1ef1c c\u1ea3n \u00e2m th\u1ea7m \u0111\u1ed1i v\u1edbi t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf s\u1ed1 qu\u1ed1c gia. Khi t\u1ef7 l\u1ec7 gian l\u1eadn t\u0103ng cao, chi ph\u00ed r\u1ee7i ro s\u1ebd b\u1ecb t\u00ednh v\u00e0o gi\u00e1 th\u00e0nh s\u1ea3n ph\u1ea9m, l\u00e0m gi\u1ea3m s\u1ee9c mua c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 l\u00e0m suy y\u1ebfu d\u00f2ng ch\u1ea3y l\u01b0u th\u00f4ng ti\u1ec1n t\u1ec7 tr\u00ean m\u00f4i tr\u01b0\u1eddng s\u1ed1. H\u01a1n n\u1eefa, n\u00f3 c\u00f2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u00e2m l\u00fd nh\u00e0 \u0111\u1ea7u t\u01b0 khi \u0111\u00e1nh gi\u00e1 v\u1ec1 ti\u1ec1m n\u0103ng c\u1ee7a c\u00e1c startup fintech. M\u1ed9t th\u1ecb tr\u01b0\u1eddng kh\u00f4ng an to\u00e0n s\u1ebd khi\u1ebfn d\u00f2ng v\u1ed1n ngo\u1ea1i e d\u00e8, l\u00e0m ch\u1eadm qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 ph\u00e1t tri\u1ec3n n\u1ec1n kinh t\u1ebf s\u1ed1 b\u1ec1n v\u1eefng m\u00e0 ch\u00fang ta \u0111ang h\u01b0\u1edbng t\u1edbi.<\/p>\n

H\u1ec7 l\u1ee5y c\u1ee7a v\u1ea5n \u0111\u1ec1 n\u00e0y lan xa t\u1edbi c\u1ea3 th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n, n\u01a1i c\u00e1c c\u1ed5 phi\u1ebfu c\u1ee7a c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 v\u00e0 th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o ch\u1ec9 s\u1ed1 ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. M\u1ed9t s\u1ef1 c\u1ed1 b\u1ea3o m\u1eadt l\u1edbn c\u00f3 th\u1ec3 th\u1ed5i bay h\u00e0ng t\u1ef7 \u0111\u00f4 la v\u1ed1n h\u00f3a ch\u1ec9 trong v\u00e0i gi\u1edd. Do \u0111\u00f3, qu\u1ea3n tr\u1ecb r\u1ee7i ro an ninh m\u1ea1ng gi\u1edd \u0111\u00e2y ph\u1ea3i \u0111\u01b0\u1ee3c xem l\u00e0 m\u1ed9t ph\u1ea7n c\u1ed1t l\u00f5i trong b\u00e1o c\u00e1o qu\u1ea3n tr\u1ecb doanh nghi\u1ec7p, ngang h\u00e0ng v\u1edbi c\u00e1c ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh kh\u00e1c. C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ea7n nh\u00ecn nh\u1eadn th\u1ea5u \u0111\u00e1o r\u1eb1ng, s\u1ef1 b\u1ec1n v\u1eefng c\u1ee7a m\u1ed9t doanh nghi\u1ec7p trong k\u1ef7 nguy\u00ean s\u1ed1 kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf t\u0103ng tr\u01b0\u1edfng doanh thu m\u00e0 c\u00f2n \u1edf kh\u1ea3 n\u0103ng b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc nh\u1eefng l\u00e0n s\u00f3ng t\u1ea5n c\u00f4ng ng\u00e0y c\u00e0ng tinh vi.<\/p>\n

L\u1eddi khuy\u00ean chi\u1ebfn l\u01b0\u1ee3c cho nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 doanh nghi\u1ec7p<\/h2>\n

Tr\u01b0\u1edbc b\u1ed1i c\u1ea3nh ph\u1ee9c t\u1ea1p n\u00e0y, l\u1ed9 tr\u00ecnh cho 3 \u0111\u1ebfn 6 th\u00e1ng t\u1edbi \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p l\u00e0 ph\u1ea3i kh\u1ea9n tr\u01b0\u01a1ng chuy\u1ec3n \u0111\u1ed5i t\u1eeb t\u01b0 th\u1ebf “\u0111\u1ed1i ph\u00f3” sang “ti\u00ean li\u1ec7u”. C\u00e1c n\u1ec1n t\u1ea3ng c\u1ea7n s\u1edbm t\u00edch h\u1ee3p c\u00e1c c\u00f4ng ngh\u1ec7 \u0111\u1ecbnh danh s\u1ed1 ti\u00ean ti\u1ebfn v\u00e0 h\u1ecdc m\u00e1y \u0111\u1ec3 ph\u00e2n t\u00edch s\u00e2u h\u00e0nh vi ng\u01b0\u1eddi d\u00f9ng, t\u1eeb \u0111\u00f3 nh\u1eadn di\u1ec7n nh\u1eefng d\u1ea5u hi\u1ec7u b\u1ea5t th\u01b0\u1eddng ngay t\u1eeb khi ch\u00fang m\u1edbi h\u00ecnh th\u00e0nh. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ea1i taichinhphowall.com, khi \u0111\u00e1nh gi\u00e1 c\u00e1c c\u01a1 h\u1ed9i trong ng\u00e0nh fintech, h\u00e3y ch\u00fa tr\u1ecdng \u0111\u1ebfn c\u00e1c doanh nghi\u1ec7p s\u1edf h\u1eefu h\u1ea1 t\u1ea7ng b\u1ea3o m\u1eadt v\u1eefng ch\u1eafc v\u00e0 c\u00f3 quy tr\u00ecnh qu\u1ea3n tr\u1ecb r\u1ee7i ro minh b\u1ea1ch. S\u1ef1 an to\u00e0n kh\u00f4ng ph\u1ea3i l\u00e0 r\u00e0o c\u1ea3n cho t\u0103ng tr\u01b0\u1edfng, n\u00f3 ch\u00ednh l\u00e0 n\u1ec1n t\u1ea3ng \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng b\u1ec1n v\u1eefng.<\/p>\n

Ch\u00fang ta \u0111ang s\u1ed1ng trong th\u1eddi \u0111i\u1ec3m m\u00e0 “ni\u1ec1m tin” l\u00e0 lo\u1ea1i ti\u1ec1n t\u1ec7 c\u00f3 gi\u00e1 tr\u1ecb nh\u1ea5t. B\u1ea5t k\u1ef3 doanh nghi\u1ec7p n\u00e0o b\u1ecf qua c\u00e1c “s\u1ef1 th\u1eadt kh\u00f3 ch\u1ecbu” v\u1ec1 gian l\u1eadn th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed c\u0169ng \u0111\u1ec1u \u0111ang \u0111\u00e1nh c\u01b0\u1ee3c v\u1edbi t\u01b0\u01a1ng lai c\u1ee7a ch\u00ednh m\u00ecnh. S\u1ef1 chuy\u1ec3n \u0111\u1ed5i kh\u00f4ng ch\u1ec9 l\u00e0 c\u00f4ng ngh\u1ec7, \u0111\u00f3 l\u00e0 v\u0103n h\u00f3a kinh doanh. Vi\u1ec7c ch\u1ee7 \u0111\u1ed9ng minh b\u1ea1ch h\u00f3a c\u00e1c l\u1ed7 h\u1ed5ng, s\u1eb5n s\u00e0ng \u0111\u1ed1i tho\u1ea1i v\u1edbi ng\u01b0\u1eddi d\u00f9ng v\u1ec1 c\u00e1c r\u1ee7i ro b\u1ea3o m\u1eadt ch\u00ednh l\u00e0 b\u01b0\u1edbc \u0111i t\u00e1o b\u1ea1o \u0111\u1ec3 x\u00e2y d\u1ef1ng v\u1ecb th\u1ebf d\u1eabn \u0111\u1ea7u trong th\u1ecb tr\u01b0\u1eddng \u0111\u1ea7y bi\u1ebfn \u0111\u1ed9ng n\u00e0y. H\u00e3y nh\u00ecn nh\u1eadn l\u1ea1i c\u00e1c b\u00e0i h\u1ecdc v\u1ec1 b\u1ea3o m\u1eadt, b\u1edfi \u0111\u00f3 ch\u00ednh l\u00e0 m\u1ea3nh gh\u00e9p cu\u1ed1i c\u00f9ng \u0111\u1ec3 ho\u00e0n thi\u1ec7n b\u1ee9c tranh th\u1ecbnh v\u01b0\u1ee3ng c\u1ee7a kinh t\u1ebf s\u1ed1 trong th\u1eddi \u0111\u1ea1i m\u1edbi.<\/p>\n

B\u00e0i vi\u1ebft \u0111\u00e3 \u0111\u01b0\u1ee3c bi\u00ean t\u1eadp l\u1ea1i t\u1eeb ngu\u1ed3n: thefintechtimes.com<\/em><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

Trong s\u1ef1 ph\u00e1t tri\u1ec3n v\u0169 b\u00e3o c\u1ee7a n\u1ec1n kinh t\u1ebf s\u1ed1, gian l\u1eadn th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed kh\u00f4ng c\u00f2n \u0111\u01a1n thu\u1ea7n l\u00e0 nh\u1eefng cu\u1ed9c t\u1ea5n c\u00f4ng k\u1ef9 thu\u1eadt v\u00e0o t\u01b0\u1eddng l\u1eeda hay h\u1ea1 t\u1ea7ng b\u1ea3o m\u1eadt. Nh\u1eefng ph\u00e1t hi\u1ec7n m\u1edbi t\u1eeb b\u00e1o c\u00e1o c\u1ee7a Ecommpay \u0111\u00e3 l\u1ed9t tr\u1ea7n ba s\u1ef1 th\u1eadt nghi\u1ec7t ng\u00e3 m\u00e0 ch\u00fang […]<\/p>\n","protected":false},"author":1,"featured_media":11311,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[63],"tags":[],"class_list":["post-11312","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cong-nghe-tai-chinh-va-doi-moi"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/11312","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/comments?post=11312"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/11312\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/11311"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=11312"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=11312"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=11312"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}