{"id":2763,"date":"2026-04-07T00:07:34","date_gmt":"2026-04-06T17:07:34","guid":{"rendered":"https:\/\/taichinhphowall.com\/index.php\/2026\/04\/07\/thi-truong-chung-lebanon-chuyen-dong-manh-fintech-dinh-hinh-lai-dong-tien-cuu-tro-giua-khung-hoang-niem-tin\/"},"modified":"2026-04-07T00:07:34","modified_gmt":"2026-04-06T17:07:34","slug":"thi-truong-chung-lebanon-chuyen-dong-manh-fintech-dinh-hinh-lai-dong-tien-cuu-tro-giua-khung-hoang-niem-tin","status":"publish","type":"post","link":"https:\/\/taichinhphowall.com\/index.php\/2026\/04\/07\/thi-truong-chung-lebanon-chuyen-dong-manh-fintech-dinh-hinh-lai-dong-tien-cuu-tro-giua-khung-hoang-niem-tin\/","title":{"rendered":"Th\u1ecb Tr\u01b0\u1eddng Chung Lebanon Chuy\u1ec3n \u0110\u1ed9ng M\u1ea1nh: Fintech \u0110\u1ecbnh H\u00ecnh L\u1ea1i D\u00f2ng Ti\u1ec1n C\u1ee9u Tr\u1ee3 Gi\u1eefa Kh\u1ee7ng Ho\u1ea3ng Ni\u1ec1m Tin"},"content":{"rendered":"<div>\n<p><img decoding=\"async\" src=\"https:\/\/taichinhphowall.com\/wp-content\/uploads\/2026\/04\/image-aHR0cHM6Ly93d3cud2lyZWQu-1.jpg\" alt=\"tin t\u00e0i ch\u00ednh\" style=\"width:100%; border-radius:8px;\" \/><\/p>\n<p>Cu\u1ed9c kh\u1ee7ng ho\u1ea3ng nh\u00e2n \u0111\u1ea1o t\u1ea1i Lebanon, v\u1edbi h\u01a1n 1 tri\u1ec7u ng\u01b0\u1eddi ph\u1ea3i r\u1eddi b\u1ecf nh\u00e0 c\u1eeda do c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng c\u1ee7a Israel v\u00e0 130.000 ng\u01b0\u1eddi di c\u01b0 sang Syria, kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t bi k\u1ecbch x\u00e3 h\u1ed9i m\u00e0 c\u00f2n \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i s\u00e2u s\u1eafc b\u1ee9c tranh t\u00e0i ch\u00ednh c\u1ee7a qu\u1ed1c gia n\u00e0y. Trong b\u1ed1i c\u1ea3nh h\u1ea1 t\u1ea7ng \u0111\u00e3 y\u1ebfu k\u00e9m ch\u1ecbu th\u00eam g\u00e1nh n\u1eb7ng kh\u1ed5ng l\u1ed3, d\u00f2ng ti\u1ec1n vi\u1ec7n tr\u1ee3 t\u1eeb n\u01b0\u1edbc ngo\u00e0i \u0111ang ch\u1ea3y v\u00e0o Lebanon m\u1ed9t c\u00e1ch m\u1ea1nh m\u1ebd, nh\u01b0ng kh\u00f4ng qua c\u00e1c k\u00eanh truy\u1ec1n th\u1ed1ng. Thay v\u00e0o \u0111\u00f3, c\u00e1c n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (fintech) \u0111ang tr\u1edf th\u00e0nh huy\u1ebft m\u1ea1ch m\u1edbi, l\u00e0m thay \u0111\u1ed5i c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng chung, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong vi\u1ec7c chuy\u1ec3n giao gi\u00e1 tr\u1ecb v\u00e0 x\u00e2y d\u1ef1ng l\u00f2ng tin.<\/p>\n<p>Ph\u00e2n t\u00edch bi\u1ebfn \u0111\u1ed9ng cho th\u1ea5y, Lebanon l\u00e0 m\u1ed9t n\u1ec1n kinh t\u1ebf ph\u1ee5 thu\u1ed9c n\u1eb7ng n\u1ec1 v\u00e0o ki\u1ec1u h\u1ed1i, v\u1edbi kho\u1ea3ng 6 \u0111\u1ebfn 7 t\u1ef7 USD m\u1ed7i n\u0103m, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng m\u1ed9t ph\u1ea7n ba GDP c\u1ee7a n\u01b0\u1edbc n\u00e0y v\u00e0o n\u0103m 2023 theo s\u1ed1 li\u1ec7u c\u1ee7a Ch\u01b0\u01a1ng tr\u00ecnh Ph\u00e1t tri\u1ec3n Li\u00ean H\u1ee3p Qu\u1ed1c (UNDP). Tuy nhi\u00ean, chi ph\u00ed chuy\u1ec3n ki\u1ec1u h\u1ed1i t\u1ea1i \u0111\u00e2y \u0111\u1ea1t trung b\u00ecnh 11%, cao h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi m\u1ee9c trung b\u00ecnh to\u00e0n c\u1ea7u. Trong giai \u0111o\u1ea1n kh\u1ee7ng ho\u1ea3ng, kho\u1ea3ng 70% c\u00e1c d\u00f2ng ti\u1ec1n kh\u00f4ng ch\u00ednh th\u1ee9c n\u00e0y \u0111\u01b0\u1ee3c ghi nh\u1eadn b\u1edfi Ng\u00e2n h\u00e0ng Trung \u01b0\u01a1ng Lebanon (BDL), cho th\u1ea5y s\u1ef1 d\u1ecbch chuy\u1ec3n \u0111\u00e1ng k\u1ec3 kh\u1ecfi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. S\u1ef1 s\u1ee5p \u0111\u1ed5 t\u00e0i ch\u00ednh n\u1ed9i \u0111\u1ecba, v\u1edbi vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng \u0111\u00f3ng b\u0103ng ti\u1ec1n g\u1eedi v\u00e0 h\u1ea1n ch\u1ebf r\u00fat ti\u1ec1n, \u0111\u00e3 t\u1ea1o ra m\u1ed9t kho\u1ea3ng tr\u1ed1ng l\u1edbn m\u00e0 c\u00e1c n\u1ec1n t\u1ea3ng fintech nh\u01b0 Whish Money \u0111ang l\u1ea5p \u0111\u1ea7y m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/p>\n<p>M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 chi\u1ebfn d\u1ecbch g\u00e2y qu\u1ef9 c\u1ed9ng \u0111\u1ed3ng c\u1ee7a lu\u1eadt s\u01b0 ng\u01b0\u1eddi Lebanon, Jad Essayli, \u0111\u00e3 huy \u0111\u1ed9ng \u0111\u01b0\u1ee3c 65.125 USD ch\u1ec9 trong 10 ng\u00e0y th\u00f4ng qua m\u1ea1ng x\u00e3 h\u1ed9i v\u00e0 c\u00e1c chuy\u1ec3n kho\u1ea3n k\u1ef9 thu\u1eadt s\u1ed1. Whish Money, ban \u0111\u1ea7u l\u00e0 m\u1ed9t c\u00f4ng ty s\u1ed1 h\u00f3a th\u1ebb qu\u00e0 t\u1eb7ng, \u0111\u00e3 ph\u00e1t tri\u1ec3n th\u00e0nh m\u1ed9t n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh r\u1ed9ng l\u1edbn v\u1edbi h\u01a1n 2 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng t\u1ea1i 110 qu\u1ed1c gia, cung c\u1ea5p d\u1ecbch v\u1ee5 ki\u1ec1u h\u1ed1i, chuy\u1ec3n ti\u1ec1n ngang h\u00e0ng (peer-to-peer) v\u00e0 thanh to\u00e1n. C\u00f4ng ty n\u00e0y t\u1eadp trung v\u00e0o nh\u00f3m ng\u01b0\u1eddi kh\u00f4ng c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ho\u1eb7c kh\u00f3 ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng \u2013 m\u1ed9t ph\u00e2n kh\u00fac th\u1ecb tr\u01b0\u1eddng l\u00ean t\u1edbi 1,4 t\u1ef7 ng\u01b0\u1eddi tr\u00ean to\u00e0n c\u1ea7u, theo Ng\u00e2n h\u00e0ng Th\u1ebf gi\u1edbi.<\/p>\n<p>S\u1ef1 suy gi\u1ea3m l\u00f2ng tin v\u00e0o c\u00e1c th\u1ec3 ch\u1ebf c\u00f4ng c\u1ed9ng, ngo\u1ea1i tr\u1eeb l\u1ef1c l\u01b0\u1ee3ng v\u0169 trang, l\u00e0 y\u1ebfu t\u1ed1 c\u1ed1t l\u00f5i th\u00fac \u0111\u1ea9y s\u1ef1 d\u1ecbch chuy\u1ec3n n\u00e0y. M\u1ed9t nghi\u00ean c\u1ee9u v\u00e0o th\u00e1ng 1 n\u0103m 2025 c\u1ee7a Di\u1ec5n \u0111\u00e0n Nghi\u00ean c\u1ee9u Kinh t\u1ebf ch\u1ec9 ra r\u1eb1ng ni\u1ec1m tin v\u00e0o ch\u00ednh ph\u1ee7 Lebanon \u0111\u00e3 gi\u1ea3m r\u00f5 r\u1ec7t v\u00e0o n\u0103m 2024 so v\u1edbi n\u0103m 2013 v\u00e0 2016. Khi ni\u1ec1m tin v\u00e0o h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 ch\u00ednh ph\u1ee7 truy\u1ec1n th\u1ed1ng b\u1ecb lung lay, &#8220;ni\u1ec1m tin tr\u1edf th\u00e0nh lo\u1ea1i ti\u1ec1n t\u1ec7 m\u1edbi,&#8221; nh\u01b0 l\u1eddi Toufic Koussa, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 ch\u1ee7 t\u1ecbch c\u1ee7a Whish Money. \u0110i\u1ec1u n\u00e0y th\u1ec3 hi\u1ec7n r\u00f5 qua vi\u1ec7c c\u00e1c nh\u00e0 g\u00e2y qu\u1ef9 v\u00e0 ng\u01b0\u1eddi nh\u1eadn vi\u1ec7n tr\u1ee3 tin t\u01b0\u1edfng c\u00e1c c\u00e1 nh\u00e2n v\u00e0 m\u1ea1ng l\u01b0\u1edbi phi ch\u00ednh th\u1ee9c h\u01a1n.<\/p>\n<p>D\u00f2ng ti\u1ec1n n\u00e0y tuy kh\u00f4ng ch\u00ednh th\u1ee9c nh\u01b0ng v\u1eabn tr\u1ea3i qua qu\u00e1 tr\u00ecnh gi\u00e1m s\u00e1t ch\u1ed1ng r\u1eeda ti\u1ec1n (AML), c\u00e2n b\u1eb1ng gi\u1eefa t\u1ed1c \u0111\u1ed9 v\u00e0 t\u00ednh b\u1ea3o m\u1eadt. Tuy nhi\u00ean, r\u1ee7i ro v\u1eabn t\u1ed3n t\u1ea1i do Lebanon ch\u01b0a c\u00f3 m\u1ed9t khung ph\u00e1p l\u00fd r\u00f5 r\u00e0ng cho ho\u1ea1t \u0111\u1ed9ng g\u00e2y qu\u1ef9 k\u1ef9 thu\u1eadt s\u1ed1, kh\u00e1c v\u1edbi c\u00e1c qu\u1ed1c gia nh\u01b0 UAE n\u01a1i vi\u1ec7c n\u00e0y c\u00f3 th\u1ec3 b\u1ecb coi l\u00e0 ph\u1ea1m t\u1ed9i n\u1ebfu kh\u00f4ng c\u00f3 gi\u1ea5y ph\u00e9p. M\u1eb7c d\u00f9 v\u1eady, s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u1ed5n \u0111\u1ecbnh v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng v\u00e0 s\u1ef1 thay \u0111\u1ed5i trong m\u00f4 h\u00ecnh giao d\u1ecbch \u2013 nh\u01b0 vi\u1ec7c c\u00e1c gia \u0111\u00ecnh th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch l\u1edbn h\u01a1n \u0111\u1ec3 t\u00edch tr\u1eef nhu y\u1ebfu ph\u1ea9m \u2013 cho th\u1ea5y vai tr\u00f2 kh\u00f4ng th\u1ec3 thi\u1ebfu c\u1ee7a fintech trong vi\u1ec7c duy tr\u00ec s\u1ef1 \u1ed5n \u0111\u1ecbnh x\u00e3 h\u1ed9i v\u00e0 kinh t\u1ebf vi m\u00f4 gi\u1eefa th\u1eddi k\u1ef3 bi\u1ebfn \u0111\u1ed9ng.<\/p>\n<p>Nh\u1eefng di\u1ec5n bi\u1ebfn t\u1ea1i Lebanon \u0111ang cung c\u1ea5p m\u1ed9t c\u00e1i nh\u00ecn s\u00e2u s\u1eafc v\u1ec1 t\u01b0\u01a1ng lai c\u1ee7a th\u1ecb tr\u01b0\u1eddng chung to\u00e0n c\u1ea7u. Khi c\u00e1c h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng b\u1ed9c l\u1ed9 \u0111i\u1ec3m y\u1ebfu, c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh \u0111ang n\u1ed5i l\u00ean nh\u01b0 m\u1ed9t nh\u00e2n t\u1ed1 ki\u1ebfn t\u1ea1o, kh\u00f4ng ch\u1ec9 trong vi\u1ec7c \u0111\u00e1p \u1ee9ng nhu c\u1ea7u kh\u1ea9n c\u1ea5p m\u00e0 c\u00f2n trong vi\u1ec7c \u0111\u1ecbnh h\u00ecnh l\u1ea1i d\u00f2ng ti\u1ec1n m\u1edbi, m\u00f4 h\u00ecnh ph\u00e2n ph\u1ed1i gi\u00e1 tr\u1ecb v\u00e0 n\u1ec1n t\u1ea3ng c\u1ee7a l\u00f2ng tin t\u00e0i ch\u00ednh. \u201cNg\u00e2n h\u00e0ng b\u00e1n l\u1ebb theo c\u00e1ch ch\u00fang ta t\u1eebng bi\u1ebft \u0111\u00e3 k\u1ebft th\u00fac. C\u00e1c ng\u00e2n h\u00e0ng s\u1ebd tr\u1edf th\u00e0nh nh\u1eefng \u0111\u01b0\u1eddng \u1ed1ng d\u1eabn; s\u1ef1 \u0111\u1ed5i m\u1edbi th\u1ef1c s\u1ef1 trong ti\u1ec1n t\u1ec7 v\u00e0 s\u1ef1 h\u00f2a nh\u1eadp \u0111ang di\u1ec5n ra trong fintech,\u201d \u00f4ng Koussa t\u1ef1 tin tuy\u00ean b\u1ed1, nh\u1ea5n m\u1ea1nh m\u1ed9t xu h\u01b0\u1edbng kh\u00f4ng th\u1ec3 \u0111\u1ea3o ng\u01b0\u1ee3c tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u.<\/p>\n<p>*Bi\u00ean t\u1eadp: Ph\u1ed1 Wall (Theo ngu\u1ed3n g\u1ed1c)*\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Cu\u1ed9c kh\u1ee7ng ho\u1ea3ng nh\u00e2n \u0111\u1ea1o t\u1ea1i Lebanon, v\u1edbi h\u01a1n 1 tri\u1ec7u ng\u01b0\u1eddi ph\u1ea3i r\u1eddi b\u1ecf nh\u00e0 c\u1eeda do c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng c\u1ee7a Israel v\u00e0 130.000 ng\u01b0\u1eddi di c\u01b0 sang Syria, kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t bi k\u1ecbch x\u00e3 h\u1ed9i m\u00e0 c\u00f2n \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i s\u00e2u s\u1eafc b\u1ee9c tranh t\u00e0i ch\u00ednh c\u1ee7a qu\u1ed1c gia n\u00e0y. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2760,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[43],"tags":[],"class_list":["post-2763","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-thi-truong-chung-khoan"],"_links":{"self":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/2763","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=2763"}],"version-history":[{"count":0,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/posts\/2763\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media\/2760"}],"wp:attachment":[{"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/media?parent=2763"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/categories?post=2763"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/taichinhphowall.com\/index.php\/wp-json\/wp\/v2\/tags?post=2763"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}