{"id":11318,"date":"2026-05-01T16:45:14","date_gmt":"2026-05-01T09:45:14","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/01\/open-banking-va-cu-hich-tang-truong-tin-dung-tai-tamara\/"},"modified":"2026-05-01T16:45:14","modified_gmt":"2026-05-01T09:45:14","slug":"open-banking-va-cu-hich-tang-truong-tin-dung-tai-tamara","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/05\/01\/open-banking-va-cu-hich-tang-truong-tin-dung-tai-tamara\/","title":{"rendered":"Open Banking v\u00e0 c\u00fa h\u00edch t\u0103ng tr\u01b0\u1edfng t\u00edn d\u1ee5ng t\u1ea1i Tamara"},"content":{"rendered":"
\n

Trong k\u1ef7 nguy\u00ean s\u1ed1 h\u00f3a t\u00e0i ch\u00ednh, vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng th\u00f4ng qua Open Banking kh\u00f4ng c\u00f2n l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m xa v\u1eddi m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh x\u01b0\u01a1ng s\u1ed1ng cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng Fintech hi\u1ec7n \u0111\u1ea1i. M\u1edbi \u0111\u00e2y, s\u1ef1 h\u1ee3p t\u00e1c chi\u1ebfn l\u01b0\u1ee3c gi\u1eefa Tamara v\u00e0 Lean Technologies \u0111\u00e3 ghi d\u1ea5u m\u1ed9t c\u1ed9t m\u1ed1c quan tr\u1ecdng khi \u1ee9ng d\u1ee5ng d\u1eef li\u1ec7u t\u1eeb Open Banking \u0111\u1ec3 n\u00e2ng t\u1ef7 l\u1ec7 ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng l\u00ean t\u1edbi 32%. \u0110\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t con s\u1ed1 t\u0103ng tr\u01b0\u1edfng \u0111\u01a1n thu\u1ea7n, m\u00e0 l\u00e0 minh ch\u1ee9ng s\u1ed1ng \u0111\u1ed9ng cho th\u1ea5y s\u1ee9c m\u1ea1nh c\u1ee7a vi\u1ec7c k\u1ebft n\u1ed1i d\u1eef li\u1ec7u t\u00e0i ch\u00ednh trong vi\u1ec7c lo\u1ea1i b\u1ecf c\u00e1c r\u00e0o c\u1ea3n truy\u1ec1n th\u1ed1ng, m\u1edf ra c\u00e1nh c\u1eeda cho h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng ti\u1ebfp c\u1eadn v\u1ed1n m\u1ed9t c\u00e1ch minh b\u1ea1ch v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n.<\/p>\n

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

B\u1ea3n ch\u1ea5t c\u1ee7a cu\u1ed9c c\u00e1ch m\u1ea1ng d\u1eef li\u1ec7u t\u00e0i ch\u00ednh<\/h2>\n

Nh\u00ecn v\u00e0o b\u1ed1i c\u1ea3nh hi\u1ec7n t\u1ea1i, ch\u00fang ta \u0111ang ch\u1ee9ng ki\u1ebfn s\u1ef1 chuy\u1ec3n d\u1ecbch m\u1ea1nh m\u1ebd t\u1eeb ph\u01b0\u01a1ng th\u1ee9c ch\u1ea5m \u0111i\u1ec3m t\u00edn d\u1ee5ng d\u1ef1a tr\u00ean l\u1ecbch s\u1eed giao d\u1ecbch h\u1ea1n h\u1eb9p sang m\u00f4 h\u00ecnh \u0111\u00e1nh gi\u00e1 r\u1ee7i ro \u0111a chi\u1ec1u. S\u1ef1 h\u1ee3p t\u00e1c gi\u1eefa Tamara v\u00e0 Lean Technologies ch\u00ednh l\u00e0 \u0111i\u1ec3n h\u00ecnh cho l\u00e0n s\u00f3ng n\u00e0y. B\u1eb1ng vi\u1ec7c t\u00edch h\u1ee3p c\u00e1c giao th\u1ee9c Open Banking, h\u1ec7 th\u1ed1ng kh\u00f4ng c\u00f2n ch\u1ec9 nh\u00ecn v\u00e0o \u0111i\u1ec3m s\u1ed1 t\u00edn d\u1ee5ng c\u1ee9ng nh\u1eafc m\u00e0 b\u1eaft \u0111\u1ea7u \u0111\u1ecdc hi\u1ec3u \u0111\u01b0\u1ee3c d\u00f2ng ch\u1ea3y t\u00e0i ch\u00ednh th\u1ef1c t\u1ebf c\u1ee7a kh\u00e1ch h\u00e0ng. Vi\u1ec7c s\u1edf h\u1eefu m\u1ed9t c\u00e1i nh\u00ecn xuy\u00ean su\u1ed1t v\u1ec1 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh gi\u00fap c\u00e1c t\u1ed5 ch\u1ee9c Fintech \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh ph\u00ea duy\u1ec7t ch\u00ednh x\u00e1c h\u01a1n, nhanh h\u01a1n v\u00e0 quan tr\u1ecdng nh\u1ea5t l\u00e0 bao h\u00e0m h\u01a1n.<\/p>\n

N\u1ebfu x\u00e9t tr\u00ean b\u00ecnh di\u1ec7n r\u1ed9ng h\u01a1n, c\u00e2u chuy\u1ec7n n\u00e0y c\u00f3 s\u1ef1 t\u01b0\u01a1ng \u0111\u1ed3ng v\u1edbi nh\u1eefng b\u01b0\u1edbc chuy\u1ec3n m\u00ecnh trong c\u00e1c l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh kh\u00e1c, n\u01a1i c\u00f4ng ngh\u1ec7 \u0111ang l\u00e0m thay \u0111\u1ed5i b\u1ea3n ch\u1ea5t c\u1ee7a c\u00e1c giao d\u1ecbch. Ch\u1eb3ng h\u1ea1n, trong l\u0129nh v\u1ef1c \u0111\u1ea7u t\u01b0 v\u00e0ng mi\u1ebfng, vi\u1ec7c \u1ee9ng d\u1ee5ng c\u00e1c n\u1ec1n t\u1ea3ng fintech \u0111\u00e3 gi\u00fap minh b\u1ea1ch h\u00f3a gi\u00e1 c\u1ea3 v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho nh\u00e0 \u0111\u1ea7u t\u01b0, gi\u1ed1ng nh\u01b0 c\u00e1ch m\u00e0 Tamara \u0111ang s\u1eed d\u1ee5ng d\u1eef li\u1ec7u \u0111\u1ec3 minh b\u1ea1ch h\u00f3a n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh c\u1ee7a ng\u01b0\u1eddi vay. \u0110\u1ed9c gi\u1ea3 c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 s\u1ef1 c\u1ed9ng h\u01b0\u1edfng n\u00e0y th\u00f4ng qua b\u00e0i vi\u1ebft v\u1ec1 hi\u1ec7n \u0111\u1ea1i h\u00f3a \u0111\u1ea7u t\u01b0 v\u00e0ng mi\u1ebfng th\u00f4ng qua n\u1ec1n t\u1ea3ng fintech t\u1ea1i \u0111\u01b0\u1eddng link https:\/\/taichinhphowall.com\/index.php\/2026\/05\/01\/hien-dai-hoa-dau-tu-vang-mieng-thong-qua-nen-tang-fintech\/.<\/p>\n

Khi thu\u1eadt to\u00e1n \u0111\u1ecbnh h\u00ecnh l\u1ea1i ni\u1ec1m tin t\u00edn d\u1ee5ng<\/h2>\n

T\u00e1c \u0111\u1ed9ng c\u1ee7a vi\u1ec7c t\u0103ng t\u1ef7 l\u1ec7 ph\u00ea duy\u1ec7t 32% kh\u00f4ng d\u1eebng l\u1ea1i \u1edf con s\u1ed1 doanh thu c\u1ee7a Tamara. N\u00f3 t\u1ea1o ra m\u1ed9t h\u1ec7 qu\u1ea3 v\u0129 m\u00f4 t\u00edch c\u1ef1c trong vi\u1ec7c th\u00fac \u0111\u1ea9y ti\u00eau d\u00f9ng v\u00e0 k\u00edch th\u00edch l\u01b0u th\u00f4ng d\u00f2ng v\u1ed1n. Khi m\u1ed9t l\u01b0\u1ee3ng l\u1edbn kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc \u0111\u00e2y b\u1ecb t\u1eeb ch\u1ed1i b\u1edfi c\u00e1c thu\u1eadt to\u00e1n c\u0169 nay \u0111\u00e3 \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi ngu\u1ed3n v\u1ed1n, nhu c\u1ea7u mua s\u1eafm v\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd t\u0103ng l\u00ean, t\u1eeb \u0111\u00f3 l\u00e0m s\u00f4i \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng b\u00e1n l\u1ebb. Tuy nhi\u00ean, \u0111i k\u00e8m v\u1edbi \u0111\u00f3 l\u00e0 y\u00eau c\u1ea7u kh\u1eaft khe v\u1ec1 qu\u1ea3n tr\u1ecb r\u1ee7i ro trong m\u00f4i tr\u01b0\u1eddng s\u1ed1. Vi\u1ec7c thu th\u1eadp d\u1eef li\u1ec7u qua Open Banking \u0111\u00f2i h\u1ecfi c\u00e1c ti\u00eau chu\u1ea9n b\u1ea3o m\u1eadt t\u1ed1i th\u01b0\u1ee3ng \u0111\u1ec3 ng\u0103n ch\u1eb7n c\u00e1c k\u1ebd h\u1edf m\u00e0 t\u1ed9i ph\u1ea1m m\u1ea1ng c\u00f3 th\u1ec3 khai th\u00e1c.<\/p>\n

S\u1ef1 th\u1eadn tr\u1ecdng n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft, \u0111\u1eb7c bi\u1ec7t khi nh\u00ecn v\u00e0o nh\u1eefng ngh\u1ecbch l\u00fd trong k\u1ef7 nguy\u00ean s\u1ed1 hi\u1ec7n nay. Nh\u01b0 \u0111\u00e3 t\u1eebng ph\u00e2n t\u00edch trong b\u00e0i vi\u1ebft v\u1ec1 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 t\u1ea1i https:\/\/taichinhphowall.com\/index.php\/2026\/05\/01\/gian-lan-thuong-mai-dien-tu-va-nhung-nghich-ly-trong-ky-nguyen-so\/, ranh gi\u1edbi gi\u1eefa vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro b\u1ea3o m\u1eadt lu\u00f4n l\u00e0 m\u1ed9t b\u00e0i to\u00e1n kh\u00f3. Tamara kh\u00f4ng ch\u1ec9 c\u1ea7n t\u1ed1i \u01b0u h\u00f3a c\u00f4ng ngh\u1ec7 ph\u00ea duy\u1ec7t m\u00e0 c\u00f2n ph\u1ea3i gi\u1eef v\u1eefng cam k\u1ebft v\u1ec1 m\u1ed9t h\u1ec7 sinh th\u00e1i thanh to\u00e1n an to\u00e0n, n\u01a1i d\u1eef li\u1ec7u ng\u01b0\u1eddi d\u00f9ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 nghi\u00eam ng\u1eb7t d\u01b0\u1edbi c\u00e1c giao th\u1ee9c m\u00e3 h\u00f3a ti\u00ean ti\u1ebfn nh\u1ea5t.<\/p>\n

D\u1ef1 b\u00e1o xu h\u01b0\u1edbng t\u00e0i ch\u00ednh v\u00e0 b\u00e0i h\u1ecdc cho th\u1ecb tr\u01b0\u1eddng<\/h2>\n

Trong 3 \u0111\u1ebfn 6 th\u00e1ng t\u1edbi, ch\u00fang ta c\u00f3 quy\u1ec1n k\u1ef3 v\u1ecdng v\u00e0o s\u1ef1 b\u00f9ng n\u1ed5 c\u1ee7a c\u00e1c gi\u1ea3i ph\u00e1p Open Banking tr\u00ean quy m\u00f4 r\u1ed9ng h\u01a1n. S\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a m\u00f4 h\u00ecnh Tamara l\u00e0 t\u00edn hi\u1ec7u cho th\u1ea5y c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng v\u00e0 c\u00e1c \u0111\u01a1n v\u1ecb Fintech s\u1ebd bu\u1ed9c ph\u1ea3i h\u1ee3p t\u00e1c s\u00e2u h\u01a1n n\u1eefa. Th\u1ecb tr\u01b0\u1eddng s\u1ebd kh\u00f4ng c\u00f2n l\u00e0 cu\u1ed9c ch\u01a1i c\u1ee7a nh\u1eefng “\u1ed1c \u0111\u1ea3o” d\u1eef li\u1ec7u bi\u1ec7t l\u1eadp m\u00e0 l\u00e0 s\u1ef1 c\u1ed9ng sinh c\u1ee7a c\u00e1c h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh m\u1edf. \u0110\u1ed1i v\u1edbi c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ea1i taichinhphowall.com, vi\u1ec7c theo d\u00f5i nh\u1eefng th\u01b0\u01a1ng v\u1ee5 c\u00f4ng ngh\u1ec7 nh\u01b0 th\u1ebf n\u00e0y kh\u00f4ng ch\u1ec9 l\u00e0 c\u1eadp nh\u1eadt tin t\u1ee9c, m\u00e0 l\u00e0 c\u00e1ch \u0111\u1ec3 nh\u1eadn di\u1ec7n \u0111\u00e2u l\u00e0 nh\u1eefng doanh nghi\u1ec7p \u0111ang s\u1edf h\u1eefu “ch\u00eca kh\u00f3a” thay \u0111\u1ed5i cu\u1ed9c ch\u01a1i t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai.<\/p>\n

Vi\u1ec7c t\u0103ng kh\u1ea3 n\u0103ng ph\u00ea duy\u1ec7t t\u00edn d\u1ee5ng nh\u1edd d\u1eef li\u1ec7u th\u1ef1c t\u1ebf gi\u00fap gi\u1ea3m thi\u1ec3u n\u1ee3 x\u1ea5u ti\u1ec1m \u1ea9n t\u1eeb nh\u1eefng \u0111\u00e1nh gi\u00e1 sai l\u1ea7m trong qu\u00e1 kh\u1ee9. \u0110\u00e2y l\u00e0 m\u1ed9t \u0111\u1ed9ng th\u00e1i th\u00f4ng minh, gi\u00fap Tamara t\u1ed1i \u01b0u h\u00f3a b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n \u0111\u1ed3ng th\u1eddi c\u1ee7ng c\u1ed1 ni\u1ec1m tin v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c. Trong d\u00e0i h\u1ea1n, vi\u1ec7c \u1ee9ng d\u1ee5ng AI \u0111\u1ec3 ph\u00e2n t\u00edch d\u1eef li\u1ec7u Open Banking s\u1ebd tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n v\u00e0ng, t\u1ea1o ra m\u1ed9t s\u00e2n ch\u01a1i c\u00f4ng b\u1eb1ng h\u01a1n cho ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n cho c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh. <\/p>\n

L\u1eddi khuy\u00ean cho c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 l\u00fac n\u00e0y l\u00e0 h\u00e3y ch\u00fa tr\u1ecdng v\u00e0o nh\u1eefng doanh nghi\u1ec7p c\u00f3 kh\u1ea3 n\u0103ng th\u00edch \u1ee9ng cao v\u1edbi c\u00f4ng ngh\u1ec7 d\u1eef li\u1ec7u m\u1edf. S\u1ef1 b\u1ec1n v\u1eefng c\u1ee7a m\u1ed9t Fintech kh\u00f4ng ch\u1ec9 \u0111\u1ebfn t\u1eeb t\u0103ng tr\u01b0\u1edfng ng\u01b0\u1eddi d\u00f9ng m\u00e0 c\u00f2n t\u1eeb kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 t\u00e0i ch\u00ednh c\u1ed1t l\u00f5i. Ch\u00fang ta \u0111ang \u0111\u1ee9ng tr\u01b0\u1edbc ng\u01b0\u1ee1ng c\u1eeda c\u1ee7a m\u1ed9t giai \u0111o\u1ea1n m\u1edbi, n\u01a1i d\u1eef li\u1ec7u tr\u1edf th\u00e0nh t\u00e0i s\u1ea3n gi\u00e1 tr\u1ecb nh\u1ea5t trong b\u1ea3ng c\u00e2n \u0111\u1ed1i c\u1ee7a b\u1ea5t k\u1ef3 doanh nghi\u1ec7p c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh n\u00e0o. Nh\u1eefng \u0111\u01a1n v\u1ecb l\u00e0m ch\u1ee7 \u0111\u01b0\u1ee3c d\u00f2ng ch\u1ea3y d\u1eef li\u1ec7u \u0111\u00f3 s\u1ebd l\u00e0 nh\u1eefng ng\u01b0\u1eddi d\u1eabn d\u1eaft th\u1ecb tr\u01b0\u1eddng trong th\u1eadp k\u1ef7 t\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 k\u1ef7 nguy\u00ean s\u1ed1 h\u00f3a t\u00e0i ch\u00ednh, vi\u1ec7c t\u1ed1i \u01b0u h\u00f3a kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn t\u00edn d\u1ee5ng th\u00f4ng qua Open Banking kh\u00f4ng c\u00f2n l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m xa v\u1eddi m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh x\u01b0\u01a1ng s\u1ed1ng cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng Fintech hi\u1ec7n \u0111\u1ea1i. M\u1edbi \u0111\u00e2y, s\u1ef1 h\u1ee3p t\u00e1c chi\u1ebfn l\u01b0\u1ee3c gi\u1eefa Tamara […]<\/p>\n","protected":false},"author":1,"featured_media":11317,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[63],"tags":[],"class_list":["post-11318","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\/11318","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=11318"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/11318\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/11317"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=11318"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=11318"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=11318"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}