Xu hướng tích hợp các dịch vụ tài chính - Nhìn từ góc độ thể chế pháp lý và những vấn đề đặt ra=The trend of integrating financial services - A legal institutional perspective and emerging issues

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Tác giả: Văn Hiệu Nguyễn

Ngôn ngữ: vie

Ký hiệu phân loại:

Thông tin xuất bản: Nghiên cứu Tài chính Kế toán, 2024

Mô tả vật lý: tr.45786

Bộ sưu tập: Metadata

ID: 476201

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In recent years, the trend of integrating financial services has become popular and is changing the way we interact with banking and financial services. This is part of the digital transformation process that financial institutions are implementing to meet the increasing needs of customers in the digital age. Integrating financial services not only helps create convenience for consumers but also opens up opportunities for businesses to develop new products and services. Banks and financial companies are looking for ways to integrate more services into a single platform, from online payments to personal finance management and investments… Integrating financial services in the finance - banking - insurance industry has happened naturally in recent decades. It begins by consolidating specialized operations into a single organization to increase market power and take advantage of cross-selling or bundling opportunities. This integration mainly takes place from the perspective of institutional structures. As time goes on, the integration of services and products becomes deeper and broader, supported by the remarkable advancement of technology (Fintech). This article systematizes and clarifies the financial service integration models that take place at the early stages (institutional structure integration) as a foundation for the process of product and service integration at a higher level. (will be mentioned on another occasion). The article is structured into two parts: concepts and levels of integration of financial services
Potential benefits, challenges and potential risks of the trend of integrating financial services.Trong những năm gần đây, xu hướng tích hợp các dịch vụ tài chính đã trở nên phổ biến và đang thay đổi cách thức mà chúng ta tương tác với các dịch vụ ngân hàng và tài chính. Đây là một phần của quá trình chuyển đổi số mà các tổ chức tài chính đang thực hiện để đáp ứng nhu cầu ngày càng cao của khách hàng trong thời đại công nghệ số. Tích hợp dịch vụ tài chính không chỉ giúp tạo ra sự thuận tiện cho người tiêu dùng mà còn mở ra cơ hội cho các doanh nghiệp để phát triển các sản phẩm và dịch vụ mới. Các ngân hàng và công ty tài chính đang tìm cách để tích hợp nhiều dịch vụ hơn vào một nền tảng duy nhất, từ việc thanh toán trực tuyến đến quản lý tài chính cá nhân và đầu tư… Việc tích hợp các dịch vụ tài chính trong ngành tài chính - ngân hàng - bảo hiểm đã diễn ra một cách tự nhiên trong nhiều thập kỷ gần đây. Nó bắt đầu bằng việc hợp nhất các hoạt động chuyên biệt trong một tổ chức duy nhất nhằm để gia tăng sức mạnh thị trường và tận dụng cơ hội bán chéo sản phẩm hoặc bán sản phẩm theo gói. Sự tích hợp này chủ yếu diễn ra dưới góc độ cấu trúc thể chế. Càng về sau, sự tích hợp dịch vụ và sản phẩm càng ngày càng sâu và rộng hơn được hỗ trợ bởi sự tiến bộ vượt bậc của công nghệ (Fintech). Bài viết này hệ thống hoá và làm rõ các mô hình tích hợp dịch vụ tài chính diễn ra ở giai đoạn đầu (tích hợp cấu trúc thể chế) làm nền tảng cho quá trình tích hợp sản phẩm và dịch vụ ở mức độ cao hơn (sẽ được đề cập trong một dịp khác). Bài viết được kết cấu thành 2 phần: khái niệm và các mức độ tích hợp các dịch vụ tài chính
Những lợi ích tiềm năng, thách thức và những rủi ro tiềm ẩn của xu hướng tích hợp các dịch vụ tài chính.

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