{"id":2459,"date":"2026-04-04T18:50:44","date_gmt":"2026-04-04T18:50:44","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/04\/04\/cuoc-cach-mang-ai-cua-visa-nham-thang-vao-noi-dau-tranh-chap-the-tin-dung\/"},"modified":"2026-04-04T18:50:44","modified_gmt":"2026-04-04T18:50:44","slug":"cuoc-cach-mang-ai-cua-visa-nham-thang-vao-noi-dau-tranh-chap-the-tin-dung","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/04\/04\/cuoc-cach-mang-ai-cua-visa-nham-thang-vao-noi-dau-tranh-chap-the-tin-dung\/","title":{"rendered":"Cu\u1ed9c c\u00e1ch m\u1ea1ng AI c\u1ee7a Visa: Nh\u1eafm th\u1eb3ng v\u00e0o &#8220;n\u1ed7i \u0111au&#8221; tranh ch\u1ea5p th\u1ebb t\u00edn d\u1ee5ng"},"content":{"rendered":"<div>\n<p>G\u00e3 kh\u1ed5ng l\u1ed3 thanh to\u00e1n Visa v\u1eeba \u0111\u1ed9c quy\u1ec1n ti\u1ebft l\u1ed9 v\u1edbi CNBC v\u1ec1 vi\u1ec7c ra m\u1eaft s\u00e1u c\u00f4ng c\u1ee5 \u0111\u1ed9t ph\u00e1 s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI), nh\u1eb1m m\u1ee5c ti\u00eau hi\u1ec7n \u0111\u1ea1i h\u00f3a v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a to\u00e0n b\u1ed9 quy tr\u00ecnh x\u1eed l\u00fd tranh ch\u1ea5p (dispute) th\u1ebb t\u00edn d\u1ee5ng. \u0110\u1ed9ng th\u00e1i n\u00e0y \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd gi\u1ea3m thi\u1ec3u chi ph\u00ed v\u00e0 s\u1ef1 phi\u1ec1n to\u00e1i t\u1eeb c\u00e1c quy tr\u00ecnh &#8220;l\u1ed7i th\u1eddi&#8221; cho t\u1ea5t c\u1ea3 c\u00e1c b\u00ean tham gia v\u00e0o h\u1ec7 sinh th\u00e1i thanh to\u00e1n: t\u1eeb \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb, ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh \u0111\u1ebfn ng\u00e2n h\u00e0ng thanh to\u00e1n.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/taichinhphowall.com\/wp-content\/uploads\/2026\/04\/image-SW4gdGhpcyBhcnRpY2xlVmlzYSBpcyBs.jpg\" alt=\"tin t\u1ee9c t\u00e0i ch\u00ednh\" style=\"width:100%; border-radius:8px;\" \/><\/p>\n<p>&#8220;M\u1ed9t trong nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn l\u00e0 c\u00e1c h\u1ec7 th\u1ed1ng h\u1eadu c\u1ea7n n\u00e0y ph\u1ea7n l\u1edbn v\u1eabn c\u00f2n v\u1eadn h\u00e0nh th\u1ee7 c\u00f4ng,&#8221; \u00f4ng Andrew Torre, Ch\u1ee7 t\u1ecbch D\u1ecbch v\u1ee5 Gi\u00e1 tr\u1ecb Gia t\u0103ng c\u1ee7a Visa, chia s\u1ebb v\u1edbi CNBC. &#8220;Ch\u00fang t\u00f4i th\u1ef1c s\u1ef1 ph\u1ea3i t\u01b0 duy kh\u00e1c bi\u1ec7t \u0111\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y tr\u00ean quy m\u00f4 l\u1edbn.&#8221;<\/p>\n<p>Theo \u00f4ng Torre, ch\u1ec9 ri\u00eang trong n\u0103m 2023, Visa \u0111\u00e3 x\u1eed l\u00fd h\u01a1n 106 tri\u1ec7u giao d\u1ecbch tranh ch\u1ea5p tr\u00ean to\u00e0n c\u1ea7u, m\u1ed9t con s\u1ed1 \u0111\u00e1nh d\u1ea5u m\u1ee9c t\u0103ng tr\u01b0\u1edfng 35% k\u1ec3 t\u1eeb n\u0103m 2019. &#8220;M\u1ee5c ti\u00eau c\u1ee7a ch\u00fang t\u00f4i l\u00e0 tinh gi\u1ea3n quy tr\u00ecnh n\u00e0y h\u1ebft m\u1ee9c c\u00f3 th\u1ec3,&#8221; \u00f4ng n\u00f3i. &#8220;Ch\u00fang t\u00f4i r\u1ea5t mu\u1ed1n th\u1ea5y t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng n\u00e0y gi\u1ea3m xu\u1ed1ng.&#8221;<\/p>\n<p>\u0110\u1ed9ng th\u00e1i c\u1ee7a Visa l\u00e0 m\u1ed9t ph\u1ea7n trong l\u00e0n s\u00f3ng l\u1edbn h\u01a1n c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh h\u00e0ng \u0111\u1ea7u trong vi\u1ec7c t\u00edch h\u1ee3p AI v\u00e0o ho\u1ea1t \u0111\u1ed9ng kinh doanh, c\u1ea3 trong n\u1ed9i b\u1ed9 l\u1eabn c\u00e1c \u1ee9ng d\u1ee5ng h\u01b0\u1edbng t\u1edbi ng\u01b0\u1eddi ti\u00eau d\u00f9ng. JPMorgan Chase v\u00e0 Goldman Sachs \u0111\u1ec1u cho bi\u1ebft h\u1ecd \u0111\u00e3 s\u1eed d\u1ee5ng AI \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a nh\u00e2n s\u1ef1. BNY Mellon \u0111\u00e3 chi 3,8 t\u1ef7 USD cho c\u00f4ng ngh\u1ec7 trong n\u0103m 2023, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 19% doanh thu.<\/p>\n<p>Visa cho bi\u1ebft ba trong s\u1ed1 s\u00e1u c\u00f4ng c\u1ee5 m\u1edbi s\u1ebd t\u1eadp trung v\u00e0o c\u00e1c \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn th\u1ebb (merchants), cho ph\u00e9p h\u1ecd gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p ti\u1ec1m t\u00e0ng tr\u01b0\u1edbc khi ch\u00fang leo thang, qu\u1ea3n l\u00fd khi\u1ebfu n\u1ea1i b\u1eb1ng c\u00e1c ph\u1ea3n h\u1ed3i do AI t\u1ea1o sinh (generative AI) so\u1ea1n th\u1ea3o, v\u00e0 cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft s\u00e2u h\u01a1n v\u1ec1 \u0111\u01a1n h\u00e0ng \u0111\u1ec3 l\u00e0m r\u00f5 c\u00e1c kho\u1ea3n ph\u00ed l\u1ea1 g\u00e2y nh\u1ea7m l\u1eabn cho ch\u1ee7 th\u1ebb.<\/p>\n<p>V\u00ed d\u1ee5, \u00f4ng Torre gi\u1ea3i th\u00edch, nhi\u1ec1u tranh ch\u1ea5p ph\u00e1t sinh ch\u1ec9 v\u00ec ch\u1ee7 th\u1ebb kh\u00f4ng nh\u1eadn ra m\u1ed9t kho\u1ea3n ph\u00ed c\u1ee5 th\u1ec3 tr\u00ean sao k\u00ea c\u1ee7a m\u00ecnh. V\u1edbi c\u00f4ng c\u1ee5 m\u1edbi, Visa c\u00f3 th\u1ec3 cung c\u1ea5p th\u00eam chi ti\u1ebft cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u1ec3 hi\u1ec3n th\u1ecb d\u1eef li\u1ec7u n\u00e0y cho ch\u1ee7 th\u1ebb \u1edf c\u1ea5p \u0111\u1ed9 s\u00e2u h\u01a1n.<\/p>\n<p>Ba c\u00f4ng c\u1ee5 c\u00f2n l\u1ea1i \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang cho c\u00e1c ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh (issuers) v\u00e0 ng\u00e2n h\u00e0ng thanh to\u00e1n (acquirers), s\u1eed d\u1ee5ng c\u00e1c m\u00f4 h\u00ecnh AI d\u1ef1 \u0111o\u00e1n \u0111\u1ec3 h\u1ed7 tr\u1ee3 ph\u00e2n t\u00edch t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, t\u1ef1 \u0111\u1ed9ng ph\u00e2n t\u00edch v\u00e0 t\u00f3m t\u1eaft t\u00e0i li\u1ec7u, v\u00e0 thi\u1ebft l\u1eadp m\u1ed9t n\u1ec1n t\u1ea3ng tranh ch\u1ea5p do AI v\u1eadn h\u00e0nh \u0111\u1ec3 qu\u1ea3n l\u00fd to\u00e0n b\u1ed9 quy tr\u00ecnh t\u1ea1i m\u1ed9t n\u01a1i duy nh\u1ea5t.<\/p>\n<p>&#8220;Ch\u00fang t\u00f4i s\u1ebd c\u00f3 th\u1ec3 cung c\u1ea5p cho h\u1ecd nh\u1eefng hi\u1ec3u bi\u1ebft v\u00e0 d\u1eef li\u1ec7u s\u00e2u s\u1eafc \u0111\u1ec3 h\u1ecd c\u00f3 th\u1ec3 chuy\u1ec3n t\u1eeb th\u1ebf b\u1ecb \u0111\u1ed9ng sang ch\u1ee7 \u0111\u1ed9ng,&#8221; \u00f4ng Torre nh\u1ea5n m\u1ea1nh. H\u1ea7u h\u1ebft c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c tri\u1ec3n khai r\u1ed9ng r\u00e3i v\u00e0o cu\u1ed1i n\u0103m nay.<\/p>\n<p>C\u00e1c c\u00f4ng c\u1ee5 AI m\u1edbi n\u00e0y l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a b\u1ed9 gi\u1ea3i ph\u00e1p r\u1ed9ng l\u1edbn h\u01a1n m\u00e0 Visa \u0111ang tri\u1ec3n khai, bao g\u1ed3m c\u1ea3 tr\u00ecnh qu\u1ea3n l\u00fd \u0111\u0103ng k\u00fd thu\u00ea bao \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 tu\u1ea7n tr\u01b0\u1edbc, cho ph\u00e9p ch\u1ee7 th\u1ebb h\u1ee7y c\u00e1c g\u00f3i d\u1ecbch v\u1ee5 kh\u00f4ng c\u1ea7n thi\u1ebft tr\u1ef1c ti\u1ebfp. \u00d4ng Torre cho bi\u1ebft vi\u1ec7c t\u1ef1 \u0111\u1ed9ng h\u00f3a s\u1ebd ti\u1ebft ki\u1ec7m th\u1eddi gian, ti\u1ec1n b\u1ea1c v\u00e0 nh\u1eefng nh\u1ea7m l\u1eabn kh\u00f4ng \u0111\u00e1ng c\u00f3 cho c\u1ea3 hai b\u00ean.<\/p>\n<p>&#8220;Ch\u00fang t\u00f4i th\u1ef1c s\u1ef1 tin r\u1eb1ng gi\u1ea3i ph\u00e1p v\u1ec1 tranh ch\u1ea5p n\u00e0y s\u1ebd gi\u00fap vi\u1ec7c qu\u1ea3n l\u00fd v\u00e0 gi\u1ea3i quy\u1ebft tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n r\u1ea5t nhi\u1ec1u,&#8221; \u00f4ng Torre k\u1ebft lu\u1eadn. &#8220;Ch\u00fang t\u00f4i ngh\u0129 r\u1eb1ng n\u00f3 s\u1ebd mang l\u1ea1i k\u1ebft qu\u1ea3 t\u1ed1t h\u01a1n cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi.&#8221;<\/p>\n<p style=\"text-align:right; font-style:italic;\">Bi\u00ean t\u1eadp: Ph\u1ed1 Wall (Theo cnbc.com)<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>G\u00e3 kh\u1ed5ng l\u1ed3 thanh to\u00e1n Visa v\u1eeba \u0111\u1ed9c quy\u1ec1n ti\u1ebft l\u1ed9 v\u1edbi CNBC v\u1ec1 vi\u1ec7c ra m\u1eaft s\u00e1u c\u00f4ng c\u1ee5 \u0111\u1ed9t ph\u00e1 s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI), nh\u1eb1m m\u1ee5c ti\u00eau hi\u1ec7n \u0111\u1ea1i h\u00f3a v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a to\u00e0n b\u1ed9 quy tr\u00ecnh x\u1eed l\u00fd tranh ch\u1ea5p (dispute) th\u1ebb t\u00edn d\u1ee5ng. \u0110\u1ed9ng th\u00e1i n\u00e0y \u0111\u01b0\u1ee3c [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[64],"tags":[],"class_list":["post-2459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ai-trong-dau-tu"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/2459","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=2459"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/2459\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/2371"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=2459"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=2459"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=2459"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}