Triển vọng cho tài chính nhúng (embedded finance) trong thúc đẩy tài chính toàn diện tại Việt Nam=Prospects for embedded finance in promoting financial inclusion in Vietnam

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Tác giả: Thị Thanh Tâm Nguyễn, Trần Trung Dũng Phan

Ngôn ngữ: vie

Ký hiệu phân loại:

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

Mô tả vật lý: tr.45881

Bộ sưu tập: Metadata

ID: 476607

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Embedded finance is becoming a key factor in promoting financial inclusion in Vietnam. By integrating financial services directly into non-financial applications and platforms, embedded finance helps to expand access to financial services, especially for those who do not have bank accounts or have limited access to traditional financial services. The use of e-wallets such as MoMo and ZaloPay in everyday applications not only simplifies the payment process but also provides financial services such as consumer loans, insurance, and savings. This helps to expand the reach of financial services, reduce transaction costs, and increase participation in the digital economy. This article clarifies the concept of embedded finance, its implementation forms, and the benefits it brings, including convenience for users, creating new revenue streams for non-financial businesses, and supporting financial inclusion. Embedded finance is seen as an important factor in breaking down barriers to financial services, especially in remote areas or for low-income people. To fully exploit its potential, it is necessary to address security and legal challenges, and invest in technical infrastructure and financial education for rural areas and disadvantaged groups. The rapid development of embedded finance in Vietnam, driven by the fintech sector and the adoption of digital payment solutions, is making an important contribution to improving financial inclusion, while supporting sustainable economic and social development.Tài chính nhúng đang trở thành một yếu tố then chốt trong việc thúc đẩy tài chính toàn diện tại Việt Nam. Bằng cách tích hợp các dịch vụ tài chính trực tiếp vào các ứng dụng và nền tảng phi tài chính, tài chính nhúng giúp tiếp cận rộng rãi hơn đối với các dịch vụ tài chính, đặc biệt là đối với những người chưa có tài khoản ngân hàng hoặc ít tiếp cận với các dịch vụ tài chính truyền thống. Việc sử dụng các ví điện tử như MoMo, ZaloPay trong các ứng dụng hàng ngày không chỉ đơn giản hóa quá trình thanh toán mà còn cung cấp các dịch vụ tài chính như cho vay tiêu dùng, bảo hiểm và tiết kiệm. Điều này giúp mở rộng phạm vi tiếp cận dịch vụ tài chính, giảm chi phí giao dịch và tăng cường khả năng tham gia vào nền kinh tế số. Bài viết làm rõ khái niệm tài chính nhúng, các hình thức triển khai và những lợi ích mà nó mang lại, bao gồm sự tiện lợi cho người dùng, tạo ra nguồn doanh thu mới cho các doanh nghiệp phi tài chính và hỗ trợ tài chính toàn diện. Tài chính nhúng được nhận định là một yếu tố quan trọng trong việc phá vỡ các rào cản tiếp cận dịch vụ tài chính, đặc biệt ở các khu vực xa xôi hoặc đối với những người có thu nhập thấp. Để khai thác tối đa tiềm năng, cần giải quyết các thách thức về bảo mật, pháp lý và đầu tư vào hạ tầng kỹ thuật cũng như giáo dục tài chính cho các vùng nông thôn và nhóm yếu thế. Sự phát triển nhanh chóng của tài chính nhúng tại Việt Nam, được thúc đẩy bởi lĩnh vực fintech và việc áp dụng các giải pháp thanh toán kỹ thuật số, đang góp phần quan trọng vào việc nâng cao tài chính toàn diện, đồng thời hỗ trợ phát triển kinh tế và xã hội bền vững.

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