{"id":1269,"date":"2021-12-23T04:16:45","date_gmt":"2021-12-23T04:16:45","guid":{"rendered":"https:\/\/mintea.blog\/?p=1269"},"modified":"2021-12-23T04:19:45","modified_gmt":"2021-12-23T04:19:45","slug":"1269","status":"publish","type":"post","link":"https:\/\/mintea.blog\/?p=1269","title":{"rendered":"\u1ee8ng d\u1ee5ng Big Data trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (Lang: VIE)"},"content":{"rendered":"

\u1ee8ng d\u1ee5ng Big Data trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng <\/strong><\/p>\n

S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng (Banking) \u0111i \u0111\u00f4i v\u1edbi s\u1ef1 ra \u0111\u1eddi c\u1ee7a Big Data<\/strong>\u00a0Ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u00e1t tri\u1ec3n theo b\u01b0\u1edbc nh\u1ea3y v\u1ecdt trong th\u1eadp k\u1ef7 qua t\u1eeb ho\u1ea1t \u0111\u1ed9ng v\u1eadn h\u00e0nh kinh doanh \u0111\u1ebfn cung c\u1ea5p d\u1ecbch v\u1ee5. \u0110i\u1ec1u \u0111\u00e1ng ng\u1ea1c nhi\u00ean ch\u00ednh l\u00e0, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec1u g\u1eb7p kh\u00f3 kh\u0103n hay th\u1ea5t b\u1ea1i trong vi\u1ec7c s\u1eed d\u1ee5ng, khai th\u00e1c th\u00f4ng tin, d\u1eef li\u1ec7u t\u1eeb c\u01a1 s\u1edf d\u1eef li\u1ec7u (database) m\u00e0 h\u1ecd c\u00f3 \u0111\u01b0\u1ee3c t\u1eeb kh\u00e1ch h\u00e0ng v\u00e0 t\u1eeb c\u00e1c chi nh\u00e1nh, b\u1ed9 ph\u1eadn c\u1ee7a t\u1ed5 ch\u1ee9c. Tuy nhi\u00ean, khi c\u00e1c ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng m\u1edf r\u1ed9ng d\u1ecbch v\u1ee5, c\u00e1c ti\u1ec7n \u00edch, hay \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 trong vi\u1ec7c ph\u00e1t tri\u1ec3n ph\u00e2n kh\u00fac th\u1ecb tr\u01b0\u1eddng, thu h\u00fat th\u00eam kh\u00e1ch h\u00e0ng th\u00ec song song h\u1ecd c\u0169ng ph\u1ea3i x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 th\u1ed1ng h\u1ea1 t\u1ea7ng \u0111\u1ec3 thu th\u1eadp d\u1eef li\u1ec7u v\u00e0 ti\u1ebfn h\u00e0ng ph\u00e2n t\u00edch \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh gi\u1ea3i ph\u00e1p c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 kinh doanh. Theo m\u1ed9t s\u1ed1 chuy\u00ean gia d\u1ef1 \u0111o\u00e1n s\u1ed1 l\u01b0\u1ee3ng d\u1eef li\u1ec7u t\u0103ng l\u00ean g\u1ea5p b\u1ea3y l\u1ea7n tr\u01b0\u1edbc n\u0103m 2020 (so v\u1edbi n\u0103m 2016). Big data l\u00e0 b\u01b0\u1edbc ti\u1ebfn l\u1edbn \u0111\u1ed1i v\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng.<\/p>\n

Ng\u00e0y nay, h\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng, d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 b\u1ea3o hi\u1ec3m (Banking, Financial services and Insurance<\/strong>\u00a0(BFSI<\/strong>)) \u0111ang n\u1ed7 l\u1ef1c \u0111\u1ec3 \u00e1p d\u1ee5ng m\u1ed9t c\u00e1ch ti\u1ebfp c\u1eadn m\u1edbi theo h\u01b0\u1edbng khai th\u00e1c d\u1eef li\u1ec7u \u0111\u1ec3 ph\u00e1t tri\u1ec3n v\u00e0 \u0111\u1ed5i m\u1edbi c\u00e1c d\u1ecbch v\u1ee5 m\u00e0 h\u1ecd cung c\u1ea5p cho kh\u00e1ch h\u00e0ng. Gi\u1ed1ng nh\u01b0 h\u1ea7u h\u1ebft c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p kh\u00e1c, ph\u00e2n t\u00edch d\u1eef li\u1ec7u l\u1edbn (Big data analytics) s\u1ebd l\u00e0 m\u1ed9t s\u1ef1 thay \u0111\u1ed5i l\u1edbn quan tr\u1ecdng trong cu\u1ed9c chi\u1ebfn gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c c\u00f9ng ng\u00e0nh. M\u1eb7c d\u00f9 nhi\u1ec1u t\u1ed5 ch\u1ee9c BFSI \u0111ang thay \u0111\u1ed5i c\u00e1ch th\u1ee9c khai th\u00e1c d\u1eef li\u1ec7u b\u1eb1ng c\u00e1ch thu th\u1eadp m\u1ed9t kh\u1ed1i l\u01b0\u1ee3ng d\u1eef li\u1ec7u kh\u1ed5ng l\u1ed3 v\u00e0 ti\u1ebfn h\u00e0nh ph\u00e2n t\u00edch, nh\u01b0ng \u0111\u00f3 ch\u1ec9 l\u00e0 nh\u1eefng b\u01b0\u1edbc t\u1ed5ng qu\u00e1t, nh\u1eefng b\u01b0\u1edbc ri\u00eang l\u1ebb \u1edf t\u1eebng giai \u0111o\u1ea1n trong quy tr\u00ecnh khai th\u00e1c Big data. Trong t\u1ea5t c\u1ea3 tr\u01b0\u1eddng h\u1ee3p, c\u00e1c d\u1ef1 \u00e1n Big data \u0111\u01b0\u1ee3c h\u00ecnh th\u00e0nh \u0111\u1ec1u h\u01b0\u1edbng \u0111\u1ebfn m\u1ee5c ti\u00eau ban \u0111\u1ea7u l\u00e0 tr\u1ea3 l\u1eddi cho c\u00e2u h\u1ecfi: \u201cNh\u1eefng d\u1eef li\u1ec7u n\u00e0y c\u00f3 th\u1ec3 gi\u00fap ch\u00fang ta gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 kinh doanh nh\u01b0 th\u1ebf n\u00e0o?\u201d Khi kh\u1ed1i l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng t\u0103ng l\u00ean, n\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn m\u1ee9c \u0111\u1ed9, kh\u1ea3 n\u0103ng cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ee7a t\u1eebng t\u1ed5 ch\u1ee9c. Th\u1ef1c ti\u1ec5n cho th\u1ea5y vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u hi\u1ec7n t\u1ea1i \u0111\u00e3 \u0111\u01a1n gi\u1ea3n h\u00f3a qu\u00e1 tr\u00ecnh theo d\u00f5i v\u00e0 \u0111\u00e1nh gi\u00e1 kh\u00e1ch h\u00e0ng t\u00edn d\u1ee5ng c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, d\u1ef1a tr\u00ean kh\u1ed1i l\u01b0\u1ee3ng l\u1edbn d\u1eef li\u1ec7u nh\u01b0 th\u00f4ng tin, h\u1ed3 s\u01a1 c\u00e1 nh\u00e2n v\u00e0 c\u00e1c th\u00f4ng tin b\u1ea3o m\u1eadt kh\u00e1c. Nh\u01b0ng v\u1edbi s\u1ef1 gi\u00fap \u0111\u1ee1 c\u1ee7a Big data, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 khai th\u00e1c \u0111\u1ec3 li\u00ean t\u1ee5c theo d\u00f5i h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng trong th\u1eddi gian th\u1ef1c, x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c c\u00e1c ngu\u1ed3n d\u1eef li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 thu th\u1eadp ph\u1ee5c v\u1ee5 cho vi\u1ec7c \u0111\u01b0a ra gi\u1ea3i ph\u00e1p. Qu\u00e1 tr\u00ecnh \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng trong th\u1eddi gian th\u1ef1c s\u1ebd d\u1ea7n th\u00fac \u0111\u1ea9y hi\u1ec7u su\u1ea5t ho\u1ea1t \u0111\u1ed9ng v\u00e0 l\u1ee3i nhu\u1eadn, t\u1eeb \u0111\u00f3 \u0111\u1ea9y m\u1ea1nh ph\u00e1t tri\u1ec3n t\u1ed5 ch\u1ee9c h\u01a1n n\u1eefa.<\/p>\n

Theo Forbes, 87% c\u00e1c c\u00f4ng ty cho r\u1eb1ng Big data s\u1ebd t\u1ea1o ra nh\u1eefng thay \u0111\u1ed5i l\u1edbn cho c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p c\u1ee7a h\u1ecd \u0111\u1ebfn cu\u1ed1i th\u1eadp k\u1ef7 th\u1ee9 2 c\u1ee7a th\u1ebf k\u1ef7 21. Th\u1eadm ch\u00ed nhi\u1ec1u c\u00f4ng ty c\u00f2n ngh\u0129 r\u1eb1ng n\u1ebfu kh\u00f4ng c\u00f3 m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c Big data c\u1ee5 th\u1ec3 v\u00e0 hi\u1ec7u qu\u1ea3 s\u1ebd khi\u1ebfn h\u1ecd t\u1ee5t l\u1ea1i ph\u00eda sau trong th\u1eddi \u0111\u1ea1i c\u00f4ng ngh\u1ec7 4.0\u00a0 ng\u00e0y nay. C\u00f3 r\u1ea5t nhi\u1ec1u ngu\u1ed3n d\u1eef li\u1ec7u Big data trong h\u1ea7u h\u1ebft \u1edf c\u00e1c ng\u00e0nh v\u00e0 l\u0129nh v\u1ef1c kh\u00e1c nhau, kh\u00f4ng ch\u1ec9 \u1edf l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng v\u00e0 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh. M\u1ecdi t\u01b0\u01a1ng t\u00e1c, m\u1ecdi giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng \u1edf ng\u00e2n h\u00e0ng \u0111\u1ec1u t\u1ea1o ra c\u00e1c b\u1ea3n ghi \u0111i\u1ec7n t\u1eed, c\u00e1c b\u1ea3n sao l\u01b0u \u0111\u01b0\u1ee3c l\u01b0u l\u1ea1i theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, v\u00e0 c\u00e1c giao d\u1ecbch t\u1ea1i c\u00e1c tr\u1ee5 ATM \u1edf c\u00e1c \u0111\u1ecba \u0111i\u1ec3m kh\u00e1c nhau c\u0169ng \u0111\u01b0\u1ee3c l\u01b0u th\u00f4ng tin t\u1ea1i ng\u00e2n h\u00e0ng. Nh\u1edd ph\u00e2n t\u00edch Big data, c\u00e1c c\u00f4ng ty d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00f4ng c\u00f2n l\u01b0u tr\u1eef d\u1eef li\u1ec7u theo y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c nh\u01b0 ng\u00e0y x\u01b0a nh\u01b0ng gi\u1edd \u0111\u00e2y h\u1ecd \u0111ang t\u00edch c\u1ef1c, ch\u1ee7 \u0111\u1ed9ng h\u01a1n trong vi\u1ec7c khai th\u00e1c \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng k\u1ebft qu\u1ea3 m\u00e0 d\u1ef1a v\u00e0o \u0111\u00f3 \u0111\u01b0a ra \u0111\u01b0\u1ee3c c\u00e1c gi\u1ea3i ph\u00e1p c\u1ea3i thi\u1ec7n ho\u1ea1t \u0111\u1ed9ng, gia t\u0103ng l\u1ee3i nhu\u1eadn c\u1ee7a t\u1ed5 ch\u1ee9c. Ngo\u00e0i ra, c\u00e1c c\u00f4ng ty c\u0169ng kh\u00f4ng ch\u1edd \u0111\u1ee3i m\u1ed9t kho\u1ea3ng th\u1eddi gian d\u00e0i m\u1edbi c\u00f3 th\u1ec3 ph\u00e2n t\u00edch c\u00e1c d\u1eef li\u1ec7u l\u1ecbch s\u1eed, d\u1eef li\u1ec7u qu\u00e1 kh\u1ee9. H\u1ea7u h\u1ebft c\u00e1c ph\u00e2n t\u00edch Big data \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ch\u1ee7 y\u1ebfu x\u1ea3y ra trong th\u1eddi gian th\u1ef1c nh\u1eb1m th\u00fac \u0111\u1ea9y vi\u1ec7c \u0111\u01b0a ra c\u00e1c quy\u1ebft \u0111\u1ecbnh chi\u1ebfn l\u01b0\u1ee3c m\u1ed9t c\u00e1ch nhanh ch\u00f3ng.<\/p>\n

T\u00f3m l\u1ea1i, Big data ch\u00ednh l\u00e0 ngu\u1ed3n l\u1ef1c quan tr\u1ecdng, mang t\u00ednh ch\u1ea5t n\u00f2ng c\u1ed1t t\u1ea1o ra l\u1ee3i th\u1ebf c\u1ea1nh tranh \u1edf b\u1ea5t k\u1ef3 m\u1ed9t t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u00e0o \u0111\u1eb7c bi\u1ec7t khi vi\u1ec7c n\u1eafm b\u1eaft nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng ng\u00e0y c\u00e0ng ph\u1ee9c t\u1ea1p m\u1eb7c d\u00f9 \u0111\u00e3 thu\u1eadn ti\u1ec7n h\u01a1n, d\u1ec5 d\u00e0ng h\u01a1n nh\u1edd s\u1ef1 ph\u00e1t tri\u1ec3n v\u01b0\u1ee3t b\u1eadc c\u1ee7a c\u00f4ng ngh\u1ec7, k\u1ef9 thu\u1eadt. Big data kh\u00f4ng ch\u1ec9 \u0111em l\u1ea1i c\u00e1c c\u00e1i nh\u00ecn m\u1edbi, s\u1ef1 s\u00e1ng t\u1ea1o trong qu\u00e1 tr\u00ecnh \u0111\u1ed5i m\u1edbi t\u1eebng lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 \u0111\u1ebfn kh\u00e1ch h\u00e0ng m\u00e0 c\u00f2n \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3 kinh doanh v\u1edbi r\u1ee7i ro, chi ph\u00ed \u0111\u01b0\u1ee3c t\u1ed1i \u01b0u nh\u1ea5t Vi\u1ec7c x\u00e1c \u0111\u1ecbnh c\u00e1c m\u1ea3ng d\u1ecbch v\u1ee5, c\u00e1c b\u1ed9 ph\u1eadn, c\u00e1c ch\u1ee9c n\u0103ng trong t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, n\u01a1i m\u00e0 Big data c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t nh\u1eb1m m\u1ee5c \u0111\u00edch khai th\u00e1c m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 nh\u1ea5t d\u1ef1a v\u00e0o s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa c\u00e1c ki\u1ebfn th\u1ee9c, m\u00f4 h\u00ecnh kinh doanh v\u00e0 kh\u1ea3 n\u0103ng \u00e1p d\u1ee5ng ph\u1ea7n m\u1ec1m c\u00f4ng ngh\u1ec7 s\u1ebd t\u1ea1o ra c\u01a1 h\u1ed9i c\u1ea1nh tranh cho ch\u00ednh t\u1ed5 ch\u1ee9c \u0111\u00f3. T\u00f9y v\u00e0o m\u1ee5c \u0111\u00edch, c\u01a1 c\u1ea5u, ngu\u1ed3n l\u1ef1c, kh\u1ea3 n\u0103ng kh\u00e1c nhau \u1edf m\u1ed7i t\u1ed5 ch\u1ee9c m\u00e0 s\u1ebd c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p \u1ee9ng d\u1ee5ng Big data kh\u00e1c nhau, mang t\u00ednh ch\u1ea5t \u0111\u1eb7c th\u00f9, ri\u00eang bi\u1ec7t. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p s\u1eed d\u1ee5ng ph\u1ed5 bi\u1ebfn nh\u1ea5t \u2013 \u0111\u01b0\u1ee3c ch\u00fang t\u00f4i nghi\u00ean c\u1ee9u v\u00e0 ch\u1ecdn l\u1ecdc \u2013 m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111ang th\u1ef1c hi\u1ec7n \u0111\u1ec3 t\u00ecm ki\u1ebfm c\u00e1c gi\u00e1 tr\u1ecb \u1ea9n s\u00e2u b\u00ean trong qu\u00e1 tr\u00ecnh ph\u00e2n t\u00edch Big data.<\/p>\n

C\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a Big data trong l\u0129nh v\u1ef1c Banking\u00a0<\/strong><\/p>\n

Ph\u00e2n t\u00edch c\u00e1c th\u00f3i quen chi ti\u00eau c\u1ee7a kh\u00e1ch h\u00e0ng<\/em><\/strong><\/p>\n

C\u00e1c ng\u00e2n h\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng truy c\u1eadp tr\u1ef1c ti\u1ebfp ngu\u1ed3n th\u00f4ng tin, d\u1eef li\u1ec7u l\u1ecbch s\u1eed d\u1ed3i d\u00e0o li\u00ean quan \u0111\u1ebfn c\u00e1c th\u00f3i quen, h\u00e0nh vi chi ti\u00eau c\u1ee7a kh\u00e1ch h\u00e0ng. C\u00e1c ng\u00e2n h\u00e0ng c\u00f2n n\u1eafm th\u00f4ng tin v\u1ec1 s\u1ed1 ti\u1ec1n m\u1ed9t kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c tr\u1ea3 bao nhi\u00eau v\u00ed d\u1ee5 nh\u01b0 m\u1ee9c l\u01b0\u01a1ng c\u1ee5 th\u1ec3 trong b\u1ea5t k\u1ef3 th\u00e1ng n\u00e0o, s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m, s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c thanh to\u00e1n \u0111\u1ebfn c\u00e1c c\u00f4ng ty cung c\u1ea5p ti\u1ec7n \u00edch (v\u00ed d\u1ee5 c\u00f4ng ty \u0111i\u1ec7n l\u1ef1c, c\u00f4ng ty cung c\u1ea5p d\u1ecbch v\u1ee5 internet,..), th\u1eddi gian kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng, v.v. \u0110i\u1ec1u n\u00e0y cung c\u1ea5p c\u01a1 s\u1edf, c\u01a1 h\u1ed9i \u0111\u1ec3 c\u00e1c ng\u00e2n h\u00e0ng ti\u1ebfp c\u1eadn v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u s\u00e2u h\u01a1n. \u00c1p d\u1ee5ng c\u00e1c ch\u1ee9c n\u0103ng s\u00e0ng l\u1ecdc th\u00f4ng tin (filter function) v\u00ed d\u1ee5 nh\u01b0 khi l\u1ecdc ra th\u1eddi \u0111i\u1ec3m d\u1ecbp l\u1ec5 hay m\u00f9a l\u1ec5 v\u00e0 \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf v\u0129 m\u00f4 (v\u00ed d\u1ee5 t\u00ecnh h\u00ecnh l\u1ea1m ph\u00e1t, t\u1ef7 l\u1ec7 th\u1ea5t nghi\u1ec7p,..) m\u00e0 nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c nguy\u00ean nh\u00e2n t\u00e1c \u0111\u1ed9ng l\u00e0m m\u1ee9c l\u01b0\u01a1ng c\u1ee7a kh\u00e1ch h\u00e0ng t\u0103ng hay gi\u1ea3m v\u00e0 kh\u1ea3 n\u0103ng chi ti\u00eau c\u1ee7a kh\u00e1ch h\u00e0ng thay \u0111\u1ed5i nh\u01b0 th\u1ebf n\u00e0o. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 n\u1ec1n t\u1ea3ng cho qu\u00e1 tr\u00ecnh \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, s\u00e0ng l\u1ecdc, th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 cho vay, \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng th\u1ebf ch\u1ea5p v\u00e0 cung c\u1ea5p nhi\u1ec1u s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh kh\u00e1c (cross-selling) \u0111\u1ebfn kh\u00e1ch h\u00e0ng nh\u01b0 b\u1ea3o hi\u1ec3m. C\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i r\u1ea5t nhi\u1ec1u n\u1ebfu bi\u1ebft \u0111\u01b0\u1ee3c th\u00f4ng tin kh\u00e1ch h\u00e0ng r\u00fat ti\u1ec1n m\u1eb7t \u2013 t\u1ea5t c\u1ea3 s\u1ed1 ti\u1ec1n c\u00f3 \u0111\u01b0\u1ee3c v\u00e0o ng\u00e0y tr\u1ea3 l\u01b0\u01a1ng \u2013\u00a0 ho\u1eb7c n\u1ebfu h\u1ecd mu\u1ed1n gi\u1eef ti\u1ec1n l\u1ea1i tr\u00ean th\u1ebb t\u00edn d\u1ee5ng \u00a0(credit card)\/ th\u1ebb ghi n\u1ee3 (debit card). T\u1eadn d\u1ee5ng \u0111i\u1ec1u \u0111\u00f3, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng, m\u1edf r\u1ed9ng d\u1ecbch v\u1ee5 v\u1edbi c\u00e1c \u0111\u1ec1 ngh\u1ecb, thu h\u00fat kh\u00e1ch h\u00e0ng \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c kho\u1ea3n vay ng\u1eafn h\u1ea1n v\u1edbi t\u1ef7 l\u1ec7 thanh to\u00e1n cao v\u00e0 l\u00e3i su\u1ea5t th\u00edch h\u1ee3p, v.v.<\/p>\n

Ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng v\u00e0 xem x\u00e9t (th\u1ea9m \u0111\u1ecbnh) h\u1ed3 s\u01a1<\/em><\/strong><\/p>\n

M\u1ed9t khi c\u00e1c ph\u00e2n t\u00edch ban \u0111\u1ea7u v\u1ec1 th\u00f3i quen chi ti\u00eau c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f9ng v\u1edbi x\u00e1c \u0111\u1ecbnh c\u00e1c lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5, k\u00eanh giao d\u1ecbch \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng \u01b0u ti\u00ean (v\u00ed d\u1ee5 kh\u00e1ch h\u00e0ng mu\u1ed1n g\u1eedi ti\u1ebft ki\u1ec7m hay mu\u1ed1n \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c kho\u1ea3n vay) \u0111\u01b0\u1ee3c ho\u00e0n t\u1ea5t th\u00ec c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t database (c\u01a1 s\u1edf d\u1eef li\u1ec7u) ph\u1ee5c v\u1ee5 cho qu\u00e1 tr\u00ecnh ph\u00e2n kh\u00fac, ph\u00e2n lo\u1ea1i kh\u00e1ch h\u00e0ng m\u1ed9t c\u00e1ch ph\u00f9 h\u1ee3p d\u1ef1a v\u00e0o th\u00f4ng tin v\u00e0 h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng cung c\u1ea5p. Nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0o chi ti\u00eau d\u1ec5 d\u00e0ng tho\u1ea3i m\u00e1i, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 n\u00e0o th\u1eadn tr\u1ecdng k\u1ef9 l\u01b0\u1ee1ng, kh\u00e1ch h\u00e0ng n\u00e0o thanh to\u00e1n c\u00e1c kho\u1ea3n n\u1ee3 nhanh ch\u00f3ng, kh\u00e1ch h\u00e0ng n\u00e0o m\u1edbi b\u1eaft \u0111\u1ea7u tr\u1ea3 n\u1ee3 khi s\u1eafp \u0111\u00e1o h\u1ea1n, th\u1eddi gian kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111o l\u01b0\u1eddng l\u00f2ng trung th\u00e0nh\u2026 Bi\u1ebft \u0111\u01b0\u1ee3c h\u1ed3 s\u01a1 c\u00e1 nh\u00e2n c\u1ee7a t\u1ea5t c\u1ea3 kh\u00e1ch h\u00e0ng gi\u00fap ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1 chi ti\u00eau v\u00e0 thu nh\u1eadp d\u1ef1 ki\u1ebfn \u200b\u200btrong th\u00e1ng t\u1edbi v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch chi ti\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o l\u1ee3i nhu\u1eadn cho ch\u00ednh t\u1ed5 ch\u1ee9c v\u00e0 l\u1ee3i \u00edch cho ch\u00ednh kh\u00e1ch h\u00e0ng. Big Data s\u1ebd cung c\u1ea5p cho c\u00e1c ng\u00e2n h\u00e0ng nh\u1eefng hi\u1ec3u bi\u1ebft, ki\u1ebfn th\u1ee9c chuy\u00ean m\u00f4n s\u00e2u v\u1ec1 th\u00f3i quen v\u00e0 m\u00f4 h\u00ecnh chi ti\u00eau c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u01a1n gi\u1ea3n h\u00f3a nh\u1eefng nhi\u1ec7m v\u1ee5 x\u00e1c \u0111\u1ecbnh nhu c\u1ea7u v\u00e0 mong mu\u1ed1n c\u1ee7a h\u1ecd. B\u1eb1ng c\u00e1ch c\u00f3 th\u1ec3 theo d\u00f5i t\u1eebng giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00e1c ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 th\u1ec3 ph\u00e2n lo\u1ea1i kh\u00e1ch h\u00e0ng d\u1ef1a tr\u00ean c\u00e1c th\u00f4ng s\u1ed1 kh\u00e1c nhau, bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 th\u01b0\u1eddng \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng, th\u1eddi gian s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5, th\u00f3i quen chi ti\u00eau khi d\u00f9ng th\u1ebb t\u00edn d\u1ee5ng ho\u1eb7c th\u1eadm ch\u00ed l\u00e0 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n r\u00f2ng (net worth \u2013 thu nh\u1eadp c\u1ed9ng v\u1edbi gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng tr\u1eeb \u0111i c\u00e1c kho\u1ea3n n\u1ee3). L\u1ee3i \u00edch m\u00e0 ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng \u0111em l\u1ea1i l\u00e0 n\u00f3 cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng nh\u1eafm m\u1ee5c ti\u00eau kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n v\u1edbi c\u00e1c chi\u1ebfn d\u1ecbch ti\u1ebfp th\u1ecb c\u00f3 li\u00ean quan \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 \u0111\u00e1p \u1ee9ng ch\u00ednh x\u00e1c nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng. Ph\u00e2n t\u00edch d\u1eef li\u1ec7u Big Data t\u0103ng kh\u1ea3 n\u0103ng cho c\u00e1c c\u00f4ng ty, t\u1ed5 ch\u1ee9c BFSI n\u1eafm \u0111\u01b0\u1ee3c nhu c\u1ea7u t\u00ecm \u1ea9n b\u00ean trong t\u1eebng kh\u00e1ch h\u00e0ng (customer insights) t\u1eeb \u0111\u00f3 t\u1ea1o \u0111\u01b0\u1ee3c ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng. Tuy nhi\u00ean vi\u1ec7c thu th\u1eadp v\u00e0 \u0111\u00e1nh gi\u00e1 th\u00f4ng tin kh\u00e1ch h\u00e0ng \u0111\u00f2i h\u1ecfi s\u1ef1 \u0111\u1ea7u t\u01b0 v\u00e0o c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng c\u1ee7a t\u1ed5 ch\u1ee9c c\u0169ng nh\u01b0 \u0111\u1ea7u t\u01b0 v\u00e0o m\u1ea1ng l\u01b0\u1edbi li\u00ean k\u1ebft gi\u1eefa m\u1ecdi nh\u00e2n vi\u00ean thu\u1ed9c c\u00e1c ph\u00f2ng ban, b\u1ed9 ph\u1eadn ch\u1ee9c n\u0103ng c\u1ee7a t\u1ed5 ch\u1ee9c v\u1edbi c\u00f4ng ngh\u1ec7, ph\u1ea7n m\u1ec1m k\u1ef9 thu\u1eadt ti\u00ean ti\u1ebfn ph\u1ee5c v\u1ee5 qu\u00e1 tr\u00ecnh khai th\u00e1c Big Data.<\/p>\n

B\u00e1n k\u00e8m th\u00eam c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c (service cross-selling)<\/em><\/strong><\/p>\n

D\u1ef1a v\u00e0o database m\u00e0 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 thu h\u00fat th\u00eam, hay gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch gi\u1edbi thi\u1ec7u th\u00eam c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c. V\u00ed d\u1ee5 ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 gi\u1edbi thi\u1ec7u c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f3 l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn \u0111\u1ebfn c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 l\u01b0\u1ee3ng ti\u1ec1n nh\u00e0n r\u1ed7i ho\u1eb7c nh\u1eefng nh\u00e0 \u0111\u00e2u t\u01b0 l\u00fac n\u00e0o c\u0169ng lu\u00f4n th\u1eadn tr\u1ecdng, c\u00e2n nh\u1eafc trong vi\u1ec7c ra quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0. Ho\u1eb7c ng\u00e2n h\u00e0ng c\u00f3 \u0111\u1ec1 xu\u1ea5t c\u00e1c vay ng\u1eafn h\u1ea1n cho c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 th\u00f3i quen chi ti\u00eau \u201ctho\u1ea3i m\u00e1i\u201d cho nhu c\u1ea7u ti\u00eau d\u00f9ng h\u00e0ng ng\u00e0y c\u1ee7a h\u1ecd ho\u1eb7c nh\u1eefng kh\u00e1ch h\u00e0ng \u0111ang g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c thanh to\u00e1n n\u1ee3 c\u0169. Ph\u00e2n t\u00edch m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c v\u1ec1 h\u1ed3 s\u01a1 c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 b\u00e1n k\u00e8m c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c qu\u1ea3 h\u01a1n v\u00e0 thu h\u00fat kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n v\u1edbi c\u00e1c \u01b0u \u0111\u00e3i \u0111\u01b0\u1ee3c \u201cc\u00e1 nh\u00e2n h\u00f3a\u201d t\u1eadp trung ch\u00ednh x\u00e1c v\u00e0o nhu c\u1ea7u kh\u00e1ch hi\u1ec7u qu\u1ea3 h\u01a1n, t\u1eeb \u0111\u00f3 t\u0103ng doanh thu cho c\u00f4ng ty.<\/p>\n

X\u00e2y d\u1ef1ng h\u1ec7 th\u1ed1ng thu th\u1eadp c\u00e1c ph\u1ea3n h\u1ed3i kh\u00e1ch h\u00e0ng (feedback) v\u00e0 ph\u00e2n t\u00edch ch\u00fang<\/em><\/strong><\/p>\n

Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u1ec3 l\u1ea1i ph\u1ea3n h\u1ed3i sau m\u1ed7i l\u1ea7n giao d\u1ecbch hay m\u1ed7i l\u1ea7n nh\u1eadn \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n t\u1eeb trung t\u00e2m h\u1ed7 tr\u1ee3 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng (customer call center) ho\u1eb7c th\u00f4ng qua c\u00e1c bi\u1ec3u m\u1eabu ph\u1ea3n h\u1ed3i, nh\u01b0ng th\u01b0\u1eddng xuy\u00ean ( hay c\u00f3 th\u1ec3 n\u00f3i nhi\u1ec1u kh\u1ea3 n\u0103ng) chia s\u1ebb \u00fd ki\u1ebfn \u200b\u200b th\u00f4ng qua c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng x\u00e3 h\u1ed9i (social media) h\u01a1n v\u00ed d\u1ee5 Facebook, Zalo,\u2026 C\u00e1c c\u00f4ng c\u1ee5 Big Data c\u00f3 th\u1ec3 t\u00ecm ki\u1ebfm ch\u1ecdn l\u1ecdc th\u00f4ng qua c\u00e1c th\u00f4ng tin, feedback c\u00f4ng khai tr\u00ean c\u00e1c social media v\u00e0 thu th\u1eadp t\u1ea5t c\u1ea3 nh\u1eefng d\u1eef li\u1ec7u \u0111\u1ec1 c\u1eadp v\u1ec1 th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 c\u00f3 th\u1ec3 ph\u1ea3n h\u1ed3i nhanh ch\u00f3ng v\u00e0 \u0111\u1ea7y \u0111\u1ee7 \u0111\u1ebfn kh\u00e1ch h\u00e0ng. Ngo\u00e0i ra c\u0169ng h\u1ed7 tr\u1ee3 ng\u0103n ch\u1eb7n c\u00e1c tin \u0111\u1ed3n th\u1ea5t thi\u1ec7t \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh v\u00e0 ni\u1ec1m tin n\u01a1i kh\u00e1ch h\u00e0ng v\u00ed d\u1ee5 nh\u01b0 v\u1ee5 ng\u00e2n h\u00e0ng Agribank v\u01b0\u1edbng ph\u1ea3i tin \u0111\u1ed3n ph\u00e1 s\u1ea3n trong h\u1ed3i \u0111\u1ea7u th\u00e1ng 11, 2018 v\u1eeba qua. Khi kh\u00e1ch h\u00e0ng c\u1ea3m th\u1ea5y ng\u00e2n h\u00e0ng l\u1eafng nghe, \u0111\u00e1nh gi\u00e1 cao \u00fd ki\u1ebfn \u200b\u200bv\u00e0 th\u1ef1c hi\u1ec7n nh\u1eefng c\u1ea3i ti\u1ebfn, thay \u0111\u1ed5i theo y\u00eau c\u1ea7u c\u1ee7a h\u1ecd th\u00ec s\u1ef1 trung th\u00e0nh d\u00e0nh cho th\u01b0\u01a1ng hi\u1ec7u s\u1ebd gia t\u0103ng, h\u01a1n n\u1eefa c\u1ea3i thi\u1ec7n h\u00ecnh \u1ea3nh c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u1ec3 c\u00f3 c\u00e1i nh\u00ecn t\u1ed5ng qu\u00e1t, m\u1ed9t c\u00e1i nh\u00ecn 360 \u0111\u1ed9 v\u1ec1 kh\u00e1ch h\u00e0ng c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n x\u00e2y d\u1ef1ng m\u1ed9t trung t\u00e2m d\u1eef li\u1ec7u \u2013 trung t\u00e2m l\u01b0u tr\u1eef t\u1ea5t c\u1ea3 s\u1ef1 t\u01b0\u01a1ng t\u00e1c c\u1ee7a kh\u00e1ch h\u00e0ng v\u1edbi th\u01b0\u01a1ng hi\u1ec7u bao g\u1ed3m d\u1eef li\u1ec7u c\u00e1 nh\u00e2n c\u01a1 b\u1ea3n, l\u1ecbch s\u1eed giao d\u1ecbch, l\u1ecbch s\u1eed duy\u1ec7t web, d\u1ecbch v\u1ee5, v.v.<\/p>\n

Hi\u1ec7n t\u1ea1i \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c t\u1ed5 ch\u1ee9c trong vi\u1ec7c ph\u00e2n Tr\u00ean \u0111\u00e2y m\u1edbi l\u00e0 nh\u1eefng \u1ee9ng d\u1ee5ng c\u1ee7a Big Data trong l\u0129nh v\u1ef1c Banking nh\u1eafm \u0111\u1ebfn m\u1ee5c \u0111\u00edch ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng gia t\u0103ng th\u00eam l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng (bao g\u1ed3m c\u1ea3 kh\u00e1ch h\u00e0ng c\u0169 v\u00e0 kh\u00e1ch h\u00e0ng m\u1edbi) b\u1eb1ng c\u00e1ch ph\u00e2n t\u00edch d\u1eef li\u1ec7u (feedback v\u00e0 h\u1ed3 s\u01a1 c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng) \u0111\u1ec3 ti\u1ebfp thu \u00fd ki\u1ebfn, x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c nhu c\u1ea7u, th\u00f3i quen chi ti\u00eau c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng m\u1ed9t c\u00e1ch ph\u00f9 h\u1ee3p.<\/p>\n

\u1ede ph\u1ea7n ti\u1ebfp theo ch\u00fang t\u00f4i s\u1ebd ph\u00e2n t\u00edch v\u1ec1 c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a Big Data trong vi\u1ec7c h\u01b0\u1edbng \u0111\u1ebfn marketing t\u1eebng kh\u00e1ch h\u00e0ng (personlized marketing), thay \u0111\u1ed5i c\u00e1ch th\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 sao cho ph\u00f9 h\u1ee3p. \u0110\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng, gi\u1ea3m thi\u1ec3u r\u1ee7i ro b\u1eb1ng c\u00e1ch ph\u00e1t hi\u1ec7n, ng\u0103n ch\u1eb7n c\u00e1c gian l\u1eadn trong giao d\u1ecbch t\u00e0i ch\u00ednh,\u2026<\/p>\n

\u1ee8ng d\u1ee5ng Big data trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (P.2)<\/h1>\n

\u1ede ph\u1ea7n tr\u01b0\u1edbc ch\u00fang t\u00f4i \u0111\u00e3 gi\u1edbi thi\u1ec7u cho c\u00e1c b\u1ea1n s\u01a1 l\u01b0\u1ee3c v\u1ec1 t\u1ea7m quan tr\u1ecdng c\u1ee7a khai th\u00e1c Big Data trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (Banking industry) v\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng \u0111\u1ea7u ti\u00ean nh\u01b0: ph\u00e2n t\u00edch th\u00f3i quen chi ti\u00eau kh\u00e1ch h\u00e0ng, ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng,..Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd cung c\u1ea5p th\u00f4ng tin v\u1ec1 2 \u1ee9ng d\u1ee5ng c\u00f2n l\u1ea1i c\u1ee7a Big Data trong vi\u1ec7c thu h\u00fat, gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng nh\u1eb1m gia t\u0103ng l\u1ee3i nhu\u1eadn c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ed3ng th\u1eddi li\u1ec7t k\u00ea m\u1ed9t v\u00e0i d\u1eef li\u1ec7u c\u1ea7n ph\u00e2n t\u00edch \u0111\u1ec3 ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng. Ti\u1ebfp theo ch\u00fang t\u00f4i s\u1ebd \u0111i v\u00e0o ph\u1ea7n quan tr\u1ecdng, c\u0169ng \u0111\u01b0\u1ee3c xem l\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng ch\u00ednh c\u1ee7a Big Data \u1edf l\u0129nh v\u1ef1c Banking h\u01b0\u1edbng \u0111\u1ebfn c\u1ea3i thi\u1ec7n ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c, gi\u1ea3m thi\u1ec3u r\u1ee7i ro gian l\u1eadn,..<\/p>\n

C\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a Big Data trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (ti\u1ebfp t\u1ee5c)<\/h3>\n

Marketing theo h\u01b0\u1edbng c\u00e1 nh\u00e2n h\u00f3a (personalized marketing)<\/strong><\/p>\n

N\u1ebfu c\u00e1c b\u1ea1n c\u00f3 theo d\u00f5i th\u00ec \u1edf b\u00e0i vi\u1ebft tr\u01b0\u1edbc ch\u00fang t\u00f4i \u0111\u00e3 c\u00f3 nh\u1eafc \u0111\u1ebfn \u1ee9ng d\u1ee5ng c\u1ee7a Big Data trong vi\u1ec7c x\u00e1c \u0111\u1ecbnh nhu c\u1ea7u c\u1ee7a t\u1eebng kh\u00e1ch h\u00e0ng d\u1ef1a tr\u00ean \u00fd ki\u1ebfn, hay feedback c\u1ee7a h\u1ecd ho\u1eb7c th\u00f4ng qua h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng (h\u1ed3 s\u01a1 c\u00e1 nh\u00e2n) c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 x\u00e1c \u0111\u1ecbnh th\u00f3i quen chi ti\u00eau th\u00f4ng qua c\u00e1c l\u1ecbch s\u1eed giao d\u1ecbch,.. C\u00e1c th\u00f4ng tin b\u1ed5 \u00edch \u0111\u00f3 ch\u00ednh l\u00e0 c\u00f4ng c\u1ee5 \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng marketing theo h\u01b0\u1edbng c\u00e1 nh\u00e2n h\u00f3a \u0111\u1ebfn t\u1eebng kh\u00e1ch h\u00e0ng. Sau khi c\u00f3 \u0111\u01b0\u1ee3c ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng th\u00ec c\u00e1c ng\u00e2n h\u00e0ng c\u1ea7n t\u1eadn d\u1ee5ng \u0111\u1ec3 personalized marketing \u0111\u1ec3 nh\u1eafm m\u1ee5c ti\u00eau kh\u00e1ch h\u00e0ng d\u1ef1a tr\u00ean hi\u1ec3u bi\u1ebft v\u1ec1 th\u00f3i quen chi ti\u00eau c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd. Ngo\u00e0i vi\u1ec7c thu th\u1eadp d\u1eef li\u1ec7u v\u1ec1 l\u1ecbch s\u1eed giao d\u1ecbch c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh hay ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p d\u1eef li\u1ec7u phi c\u1ea5u tr\u00fac (unstructured data) \u2013 m\u1ed9t d\u1ea1ng d\u1eef li\u1ec7u Big Data \u2013\u00a0 l\u1ea5y \u0111\u01b0\u1ee3c t\u1eeb m\u1ea1ng x\u00e3 h\u1ed9i hay social media v\u00ed d\u1ee5 nh\u01b0 h\u1ed3 s\u01a1 c\u1ee7a kh\u00e1ch h\u00e0ng tr\u00ean Facebook,.. \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t b\u1ee9c tranh \u0111\u1ea7y \u0111\u1ee7 h\u01a1n v\u1ec1 nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng d\u1ef1a tr\u00ean c\u00e1c ph\u00e2n t\u00edch v\u1ec1 t\u00e2m l\u00fd, mong mu\u1ed1n kh\u00e1ch h\u00e0ng \u1edf m\u1ecdi th\u1eddi \u0111i\u1ec3m. M\u1eb7t kh\u00e1c, d\u1eef li\u1ec7u c\u1ee7a kh\u00e1ch h\u00e0ng \u1edf c\u00e1c n\u1ec1n t\u1ea3ng social media hay c\u00e1c \u1ee9ng d\u1ee5ng x\u00e3 h\u1ed9i th\u00f4ng minh kh\u00e1c s\u1ebd gi\u00fap ng\u00e2n h\u00e0ng ph\u00e2n t\u00edch \u0111\u01b0\u1ee3c c\u00e1c r\u1ee7i ro c\u00f3 th\u1ec3 x\u1ea3y ra m\u00e0 xem x\u00e9t c\u00f3 n\u00ean cung c\u1ea5p c\u00e1c kho\u1ea3n vay hay kh\u00f4ng ngo\u00e0i vi\u1ec7c th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1 nh\u01b0 th\u00f4ng th\u01b0\u1eddng. Sau khi ph\u00e2n t\u00edch v\u00e0 n\u1eafm \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee5 th\u1ec3 v\u00e0 ri\u00eang bi\u1ec7t c\u1ee7a m\u1ed7i kh\u00e1ch h\u00e0ng, c\u00e1c t\u1ed5 ch\u1ee9c n\u00ean ti\u1ebfp t\u1ee5c ph\u00e2n kh\u00fac s\u00e2u h\u01a1n n\u1eefa v\u00e0 cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p, k\u1ebf ho\u1ea1ch marketing ph\u00f9 h\u1ee3p \u0111\u1ec3 t\u1eeb \u0111\u00f3 c\u00f3 \u0111\u01b0\u1ee3c t\u1ef7 l\u1ec7 ph\u1ea3n h\u1ed3i, t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i cao h\u01a1n t\u1eeb m\u1ed7i kh\u00e1ch h\u00e0ng.<\/p>\n

V\u00ed d\u1ee5 c\u00e1c ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 e-mail marketing \u0111\u1ec3 g\u1eedi \u0111\u1ebfn kh\u00e1ch h\u00e0ng c\u00e1c th\u00f4ng tin m\u1edbi nh\u1ea5t v\u1ec1 nh\u1eefng d\u1ecbch v\u1ee5 cho vay ng\u1eafn h\u1ea1n v\u1edbi l\u00e3i su\u1ea5t v\u1eeba ph\u1ea3i, hay g\u1eedi ti\u1ebft ki\u1ec7m v\u1edbi l\u00e3i su\u1ea5t h\u1ea5p d\u1eabn, ho\u1eb7c c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i kh\u00e1c,\u2026Vi\u1ec7c t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 cung c\u1ea5p cho t\u1eebng ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng, hay th\u1eadm ch\u00ed t\u1eebng kh\u00e1ch h\u00e0ng c\u1ee5 th\u1ec3 s\u1ebd gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng x\u00e2y d\u1ef1ng h\u00ecnh \u1ea3nh th\u01b0\u01a1ng hi\u1ec7u v\u00e0 t\u1ea1o d\u1ef1ng m\u1ed9t m\u1ed1i quan h\u1ec7 t\u1ed1t \u1edf t\u1eebng kh\u00e1ch h\u00e0ng. Kh\u00f4ng ch\u1ec9 ri\u00eang \u1edf l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, Big Data c\u00f2n h\u1ed7 tr\u1ee3 marketing \u1edf h\u1ea7u h\u1ebft m\u1ecdi l\u0129nh v\u1ef1c kh\u00e1c nhau n\u1ebfu c\u00e1c c\u00f4ng ty bi\u1ebft \u0111\u01b0\u1ee3c t\u1ea7m quan tr\u1ecdng v\u00e0 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t t\u1ea7m nh\u00ecn chi\u1ebfn l\u01b0\u1ee3c nghi\u00eam t\u00fac trong vi\u1ec7c khai th\u00e1c Big Data. Theo McKinsey, vi\u1ec7c s\u1eed d\u1ee5ng d\u1eef li\u1ec7u \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh marketing t\u1ed1t h\u01a1n c\u00f3 th\u1ec3 t\u0103ng n\u0103ng su\u1ea5t ti\u1ebfp th\u1ecb, thu h\u00fat kh\u00e1ch h\u00e0ng th\u00eam 15-20% ngo\u00e0i c\u00e1c gi\u1ea3i ph\u00e1p marketing th\u00f4ng th\u01b0\u1eddng.<\/p>\n

Thay \u0111\u1ed5i c\u00e1ch th\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u1ebfn kh\u00e1ch h\u00e0ng<\/strong><\/p>\n

H\u1ec7 th\u1ed1ng Big Data c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng ph\u1ee9c t\u1ea1p li\u00ean k\u1ebft gi\u1eefa nhi\u1ec1u b\u1ed9 ph\u1eadn ch\u1ee9c n\u0103ng kh\u00e1c nhau, nh\u01b0ng c\u00f4ng vi\u1ec7c c\u1ee7a n\u00f3 l\u00e0 \u0111\u01a1n gi\u1ea3n h\u00f3a c\u00e1c nhi\u1ec7m v\u1ee5 trong m\u1ed9t t\u1ed5 ch\u1ee9c. B\u1ea5t c\u1ee9 khi n\u00e0o m\u1ed9t t\u00ean kh\u00e1ch h\u00e0ng ho\u1eb7c s\u1ed1 t\u00e0i kho\u1ea3n \u0111\u01b0\u1ee3c nh\u1eadp v\u00e0o h\u1ec7 th\u1ed1ng, h\u1ec7 th\u1ed1ng Big Data s\u1ebd h\u1ed7 tr\u1ee3 s\u00e0ng l\u1ecdc t\u1ea5t c\u1ea3 d\u1eef li\u1ec7u v\u00e0 ch\u1ec9 truy\u1ec1n \u0111i hay cung c\u1ea5p c\u00e1c d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u \u0111\u1ec3 ph\u1ee5c v\u1ee5 cho qu\u00e1 tr\u00ecnh ph\u00e2n t\u00edch. \u0110i\u1ec1u n\u00e0y s\u1ebd cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng t\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh l\u00e0m vi\u1ec7c v\u00e0 ti\u1ebft ki\u1ec7m c\u1ea3 th\u1eddi gian v\u00e0 chi ph\u00ed. Big Data c\u0169ng s\u1ebd cho ph\u00e9p c\u00e1c t\u1ed5 ch\u1ee9c x\u00e1c \u0111\u1ecbnh v\u00e0 kh\u1eafc ph\u1ee5c c\u00e1c v\u1ea5n \u0111\u1ec1, tr\u01b0\u1edbc khi ch\u00fang \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. \u0110\u00f4i khi kh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 l\u00e0 ngu\u1ed3n g\u1ed1c c\u1ee7a m\u1ed9t v\u1ea5n \u0111\u1ec1. V\u00ed d\u1ee5, c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh, nh\u01b0ng sau \u0111\u00f3 thay \u0111\u1ed5i \u00fd \u0111\u1ecbnh c\u1ee7a h\u1ecd t\u1ea1i m\u1ed9t th\u1eddi \u0111i\u1ec3m trong t\u01b0\u01a1ng lai. Big Data s\u1ebd gi\u00fap ng\u00e2n h\u00e0ng thay \u0111\u1ed5i ph\u01b0\u01a1ng th\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd theo c\u00e1ch m\u00e0 nh\u1eefng kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f4ng th\u1ec3 \u201c\u0111i ng\u01b0\u1ee3c l\u1ea1i\u201d v\u1edbi cam k\u1ebft ban \u0111\u1ea7u c\u1ee7a h\u1ecd. Big Data cho ph\u00e9p ng\u00e0nh ng\u00e2n h\u00e0ng theo d\u00f5i h\u1ea1n m\u1ee9c cho vay v\u00e0 th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng, \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ecd kh\u00f4ng chi ti\u00eau qu\u00e1 m\u1ee9c quy \u0111\u1ecbnh. C\u00e1ch cung c\u1ea5p d\u1ecbch v\u1ee5 thay \u0111\u1ed5i nh\u01b0 th\u1ebf n\u00e0o c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o quy m\u00f4 ho\u1ea1t \u0111\u1ed9ng, t\u00ednh ch\u1ea5t \u0111\u1eb7c th\u00f9 c\u1ee7a lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5, c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng,..c\u1ee7a t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng \u0111\u00f3. Big Data ch\u1ec9 \u0111\u01b0a ra k\u1ebft qu\u1ea3 l\u00e0 th\u00f4ng tin v\u00ed d\u1ee5 nh\u01b0 nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0o c\u00f3 kh\u1ea3 n\u0103ng kh\u00f4ng thanh to\u00e1n \u0111\u01b0\u1ee3c n\u1ee3, hay nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 kh\u1ea3 n\u0103ng r\u1eddi d\u1ecbch v\u1ee5 (churn risk) v\u00e0 nhi\u1ec7m v\u1ee5 c\u1ee7a t\u1eebng ng\u00e2n h\u00e0ng l\u00e0 suy ngh\u0129 ra gi\u1ea3i ph\u00e1p \u0111\u1ec3 kh\u1eafc ph\u1ee5c v\u00ed d\u1ee5 theo d\u00f5i \u201cs\u00e1t sao\u201d v\u00e0 th\u00f4ng tin li\u00ean t\u1ee5c v\u1ec1 th\u1eddi h\u1ea1n tr\u1ea3 n\u1ee3 \u0111\u1ebfn c\u00e1c kh\u00e1ch h\u00e0ng c\u00f3 th\u00f3i quen ch\u1eadm tr\u1ec5 trong vi\u1ec7c thanh to\u00e1n l\u00e3i,\u2026 N\u00f3i t\u00f3m l\u1ea1i, m\u1ee5c \u0111\u00edch \u0111\u1ea7u ti\u00ean trong vi\u1ec7c \u1ee9ng d\u1ee5ng c\u1ee7a Big Data m\u00e0 ch\u00fang t\u00f4i \u0111\u1ec1 c\u1eadp \u1edf ph\u1ea7n 1 v\u00e0 \u0111\u1ea7u ph\u1ea7n 2 n\u00e0y t\u1eadp trung h\u01b0\u1edbng \u0111\u1ebfn ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng, c\u1ea3i ti\u1ebfn d\u1ecbch v\u1ee5, marketing t\u0103ng doanh s\u1ed1, l\u1ee3i nhu\u1eadn d\u1ef1a tr\u00ean to\u00e0n b\u1ed9 th\u00f4ng tin v\u1ec1 kh\u00e1ch h\u00e0ng m\u00e0 t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng c\u00f3 \u0111\u01b0\u1ee3c \u2013 ch\u00ednh l\u00e0 d\u1eef li\u1ec7u Big Data c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch. Nh\u1eefng d\u1eef li\u1ec7u c\u00f3 th\u1ec3 bao g\u1ed3m:<\/p>\n

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  • H\u1ed3 s\u01a1 t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng<\/li>\n
  • Th\u00f4ng tin v\u1ec1 k\u1ef3 h\u1ea1n vay c\u1ee7a kh\u00e1ch h\u00e0ng (ng\u1eafn h\u1ea1n, trung h\u1ea1n hay d\u00e0i h\u1ea1n)<\/li>\n
  • M\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng theo t\u1eebng th\u1eddi h\u1ea1n (ng\u1eafn h\u1ea1n, trung h\u1ea1n hay d\u00e0i h\u1ea1n)<\/li>\n
  • C\u01a1 c\u1ea5u c\u00e1c lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 theo s\u1ed1 l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u0103ng k\u00fd v\u00e0 m\u1ee9c c\u1ea5p t\u00edn d\u1ee5ng.<\/li>\n
  • Th\u1eddi gian tham gia d\u1ecbch v\u1ee5 v\u00ed d\u1ee5 trong 1 n\u0103m, t\u1eeb 1 \u0111\u1ebfn 3 n\u0103m ho\u1eb7c tr\u00ean 3 n\u0103m,..<\/li>\n
  • v \u2026.<\/li>\n<\/ul>\n

    Ngo\u00e0i gia t\u0103ng l\u1ee3i nhu\u1eadn, m\u1edf r\u1ed9ng cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u1ebfn c\u00e1c kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 d\u1ef1a v\u00e0o database \u0111\u00e3 thu th\u1eadp \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro, c\u00e1c gian l\u1eadn t\u00edn d\u1ee5ng, \u0111\u1ea3m b\u1ea3o hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c.<\/p>\n

    Ph\u00e1t hi\u1ec7n v\u00e0 ng\u0103n ch\u1eb7n h\u00e0nh vi l\u1eeba \u0111\u1ea3o, vi ph\u1ea1m ph\u00e1p lu\u1eadt (Fraud identification)<\/strong><\/p>\n

    M\u1ed9t trong nh\u1eefng v\u1ea5n \u0111\u1ec1 l\u1edbn nh\u1ea5t m\u00e0 ng\u00e0nh ng\u00e2n h\u00e0ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t l\u00e0 gian l\u1eadn, t\u1ed9i ph\u1ea1m trong t\u00edn d\u1ee5ng. Big Data s\u1ebd cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng kh\u00f4ng c\u00f3 giao d\u1ecbch tr\u00e1i ph\u00e9p n\u00e0o \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n, cung c\u1ea5p m\u1ee9c \u0111\u1ed9 an to\u00e0n, n\u00e2ng cao ti\u00eau chu\u1ea9n b\u1ea3o m\u1eadt c\u1ee7a to\u00e0n b\u1ed9 ng\u00e0nh. Nh\u1edd v\u00e0o d\u1eef li\u1ec7u v\u1ec1 l\u1ecbch s\u1eed giao d\u1ecbch v\u00e0 h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng, ng\u00e2n h\u00e0ng s\u1ebd c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh hay nh\u1eadn \u0111\u01b0\u1ee3c c\u1ea3nh b\u00e1o n\u1ebfu c\u00f3 \u0111i\u1ec1u g\u00ec b\u1ea5t th\u01b0\u1eddng x\u1ea3y ra trong qu\u00e1 tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng, cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u1ebfn kh\u00e1ch h\u00e0ng. V\u00ed d\u1ee5 n\u1ebfu m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 hay kh\u00e1ch h\u00e0ng th\u01b0\u1eddng thanh to\u00e1n chi ti\u00eau cho sinh ho\u1ea1t h\u1eb1ng ng\u00e0y ho\u1eb7c \u0111\u1ec3 ti\u1ec1n trong t\u00e0i kho\u1ea3n g\u1eedi ti\u1ebft ki\u1ec7m l\u1ea5y l\u00e3i, nh\u01b0ng trong m\u1ed9t ng\u00e0y l\u1ea1i c\u1ed1 g\u1eafng r\u00fat to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n c\u1ee7a m\u00ecnh qua m\u00e1y ATM, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 th\u1ebb c\u00f3 th\u1ec3 \u0111\u00e3 b\u1ecb m\u1ea5t c\u1eafp v\u00e0 s\u1eed d\u1ee5ng b\u1edfi ch\u00ednh nh\u1eefng k\u1ebb c\u1eafp. Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng s\u1ebd g\u1ecdi \u0111i\u1ec7n \u0111\u1ebfn ch\u1ee7 t\u00e0i kho\u1ea3n ho\u1eb7c th\u00f4ng b\u00e1o \u0111\u1ebfn kh\u00e1ch h\u00e0ng b\u1eb1ng b\u1ea5t k\u1ef3 h\u00ecnh th\u1ee9c n\u00e0o \u0111\u1ec3 x\u00e1c minh l\u1ea1i giao d\u1ecbch \u0111\u00f3 m\u1ed9t c\u00e1ch r\u00f5 h\u01a1n: giao d\u1ecbch h\u1ee3p ph\u00e1p kh\u00e1ch h\u00e0ng th\u1ef1c hi\u1ec7n hay giao d\u1ecbch tr\u00e1i ph\u00e9p b\u1edfi t\u1ed9i ph\u1ea1m l\u1eeba \u0111\u1ea3o, t\u1ed9i ph\u1ea1m \u0111\u00e3 tr\u1ed9m \u0111\u01b0\u1ee3c th\u1ebb m\u00e0 kh\u00e1ch h\u00e0ng kh\u00f4ng bi\u1ebft? C\u1ee9 th\u1ebf, vi\u1ec7c ph\u00e2n t\u00edch d\u1eef li\u1ec7u giao d\u1ecbch l\u1ecbch s\u1eed v\u00e0 l\u00e0m c\u01a1 s\u1edf \u0111\u1ec3 ki\u1ec3m tra t\u00ednh h\u1ee3p ph\u00e1p, an to\u00e0n b\u1ea3o m\u1eadt c\u1ee7a c\u00e1c giao d\u1ecbch hi\u1ec7n t\u1ea1i s\u1ebd gi\u1ea3m thi\u1ec3u \u0111\u01b0\u1ee3c h\u00e0nh vi vi ph\u1ea1m ph\u00e1p lu\u1eadt c\u00f3 th\u1ec3 x\u1ea3y ra. C\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh khai th\u00e1c Big Data \u0111\u1ec3 ph\u00e2n bi\u1ec7t gi\u1eefa c\u00e1c giao d\u1ecbch l\u00e0 h\u00e0nh vi ph\u1ea1m t\u1ed9i v\u1edbi c\u00e1c giao d\u1ecbch h\u1ee3p ph\u00e1p b\u1eb1ng c\u00e1ch \u00e1p d\u1ee5ng c\u00e1c thu\u1eadt to\u00e1n ph\u00e2n t\u00edch d\u1eef li\u1ec7u (data analytics models) v\u00e0 \u201ch\u1ecdc m\u00e1y\u201d (machine learning). C\u00e1c h\u1ec7 th\u1ed1ng ph\u00e2n t\u00edch s\u1ebd t\u1ef1 \u0111\u1ed9ng ph\u00e1t hi\u1ec7n, tr\u00edch xu\u1ea5t c\u00e1c giao d\u1ecbch b\u1ea5t h\u1ee3p ph\u00e1p \u1edf th\u1eddi gian th\u1ef1c v\u00e0 \u0111\u1ec1 xu\u1ea5t c\u00e1c h\u00e0nh \u0111\u1ed9ng ngay l\u1eadp t\u1ee9c, ch\u1eb3ng h\u1ea1n nh\u01b0 ch\u1eb7n c\u00e1c giao d\u1ecbch b\u1ea5t th\u01b0\u1eddng, ng\u0103n ch\u1eb7n h\u00e0nh vi l\u1eeba \u0111\u1ea3o tr\u01b0\u1edbc khi n\u00f3 x\u1ea3y ra \u0111\u1ea3m b\u1ea3o l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 l\u1ee3i nhu\u1eadn c\u1ee7a ch\u00ednh ng\u00e2n h\u00e0ng.<\/p>\n

    Ki\u1ec3m so\u00e1t r\u1ee7i ro (Risk management), tu\u00e2n th\u1ee7 lu\u1eadt ph\u00e1p v\u00e0 minh b\u1ea1ch trong b\u00e1o c\u00e1o t\u00e0i ch\u00ednh (Compliance and Reporting)<\/strong><\/p>\n

    Ngo\u00e0i ph\u00e1t hi\u1ec7n c\u00e1c h\u00e0nh vi ph\u1ea1m t\u1ed9i, b\u1ea3o v\u1ec7 l\u1ee3i \u00edch ng\u01b0\u1eddi ti\u00eau d\u00f9ng, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u1ee9ng d\u1ee5ng Big Data \u0111o l\u01b0\u1eddng, ki\u1ec3m so\u00e1t r\u1ee7i ro khi th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch b\u1eb1ng c\u1ed5 phi\u1ebfu v\u1edbi nh\u1eefng nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 ki\u1ec3m tra h\u1ed3 s\u01a1 vay c\u1ee7a kh\u00e1ch h\u00e0ng. D\u0129 nhi\u00ean t\u1ea5t c\u1ea3 ph\u1ea3i d\u1ef1a tr\u00ean s\u1ef1 ph\u00e2n t\u00edch c\u00f3 k\u1ebft qu\u1ea3 t\u1eeb m\u1ecdi d\u1eef li\u1ec7u l\u1ecbch s\u1eed li\u00ean quan. C\u00e1c thu\u1eadt to\u00e1n Big Data c\u00f2n gi\u00fap gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt v\u1ec1 k\u1ebf to\u00e1n, ki\u1ec3m to\u00e1n v\u00e0 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh minh b\u1ea1ch nh\u1eb1m h\u1ee3p l\u00fd ho\u00e1 c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a t\u1ed5 ch\u1ee9c t\u1eeb \u0111\u00f3 gi\u1ea3m \u0111\u01b0\u1ee3c chi ph\u00ed qu\u1ea3n l\u00fd. C\u00e1c t\u1ed5 ch\u1ee9c ng\u00e2n h\u00e0ng v\u00e0 t\u00e0i ch\u00ednh ho\u1ea1t \u0111\u1ed9ng trong m\u1ed9t khung ph\u00e1p l\u00fd r\u1ea5t nghi\u00eam ng\u1eb7t, \u0111\u00f2i h\u1ecfi m\u1ee9c \u0111\u1ed9 cao nh\u1ea5t trong ki\u1ec3m so\u00e1t minh b\u1ea1ch c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u00e0i ch\u00ednh, tu\u00e2n th\u1ee7 c\u00e1c \u0111i\u1ec1u lu\u1eadt v\u00e0 b\u00e1o c\u00e1o \u0111\u1ea7y \u0111\u1ee7 chi ti\u1ebft \u0111\u1ebfn c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc, ch\u00ednh ph\u1ee7. \u1ede Vi\u1ec7t Nam, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng ph\u1ea3i tu\u00e2n th\u1ee7 to\u00e0n b\u1ed9 Lu\u1eadt Ng\u00e2n h\u00e0ng trong \u0111\u00f3 c\u00f3 \u0110\u1ea1o lu\u1eadt v\u1ec1 Lu\u1eadt Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam v\u00e0 Lu\u1eadt C\u00e1c T\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng. \u1ede M\u1ef9 th\u00ec c\u00f3 \u0110\u1ea1o lu\u1eadt Dodd \u2013 Frank, \u0111\u01b0\u1ee3c ban h\u00e0nh sau cu\u1ed9c kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh n\u0103m 2008, y\u00eau c\u1ea7u gi\u00e1m s\u00e1t c\u00e1c giao d\u1ecbch v\u00e0 t\u00e0i li\u1ec7u chi ti\u1ebft v\u1ec1 m\u1ecdi giao d\u1ecbch x\u1ea3y ra \u1edf b\u1ea5t k\u1ef3 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh n\u00e0o.<\/p>\n

    Vi\u1ec7c ph\u00e1t hi\u1ec7n s\u1edbm h\u00e0nh vi gian l\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 c\u1ef1c k\u1ef3 quan tr\u1ecdng. H\u1ec7 th\u1ed1ng Big Data thu th\u1eadp v\u00e0 l\u01b0u tr\u1eef d\u1eef li\u1ec7u trong m\u1ed9t c\u01a1 s\u1edf d\u1eef li\u1ec7u c\u00f3 quy m\u00f4 l\u1edbn gi\u00fap ng\u00e2n h\u00e0ng qu\u1ea3n l\u00fd, ti\u1ebfn h\u00e0nh ph\u00e2n t\u00edch m\u1ed9t c\u00e1ch nhanh nh\u1ea5t b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c ph\u1ea7n m\u1ec1m, thu\u1eadt to\u00e1n chuy\u00ean d\u1ee5ng. V\u00e0 khi ph\u00e1t hi\u1ec7n m\u1ed9t s\u1ed1 l\u01b0\u1ee3ng l\u1edbn r\u1ee7i ro c\u00f3 th\u1ec3 x\u1ea3y ra, ng\u00e2n h\u00e0ng s\u1ebd d\u1ec5 d\u00e0ng ki\u1ec3m so\u00e1t. Big Data \u0111\u00f3ng m\u1ed9t vai tr\u00f2 to l\u1edbn trong qu\u00e1 tr\u00ecnh t\u00edch h\u1ee3p c\u00e1c ch\u1ee9c n\u0103ng c\u1ee7a c\u00e1c b\u1ed9 ph\u1eadn, ph\u00f2ng ban v\u00e0 y\u00eau c\u1ea7u x\u1eed l\u00fd d\u1eef li\u1ec7u c\u1ee7a ng\u00e2n h\u00e0ng v\u00e0o m\u1ed9t h\u1ec7 th\u1ed1ng trung t\u00e2m duy nh\u1ea5t. Qua \u0111\u00f3 h\u1ed7 tr\u1ee3 ki\u1ec3m so\u00e1t, ng\u0103n ch\u1eb7n v\u1ea5n \u0111\u1ec1 m\u1ea5t d\u1eef li\u1ec7u, gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u00e0 gian l\u1eadn. Tham gia v\u00e0o vi\u1ec7c ki\u1ec3m so\u00e1t \u0111\u00e1nh gi\u00e1 v\u00e0 n\u00e2ng cao hi\u1ec7u qu\u1ea3 l\u00e0m vi\u1ec7c c\u1ee7a nh\u00e2n vi\u00ean Qu\u00e1 t\u1eadp trung v\u00e0o gia t\u0103ng l\u1ee3i nhu\u1eadn m\u00e0 nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1ea1i th\u01b0\u1eddng qu\u00ean \u0111i m\u1ed9t \u1ee9ng d\u1ee5ng ti\u1ec1m n\u0103ng c\u1ee7a Big Data m\u00e0 c\u00f3 th\u1ec3 c\u00f3 t\u00e1c \u0111\u1ed9ng r\u1ea5t l\u1edbn \u0111\u1ebfn qu\u00e1 tr\u00ecnh ph\u00e1t tri\u1ec3n kinh doanh. \u0110\u00f3 ch\u00ednh l\u00e0 n\u00e2ng cao n\u0103ng su\u1ea5t l\u00e0m vi\u1ec7c c\u1ee7a nh\u00e2n vi\u00ean. H\u1ec7 th\u1ed1ng Big Data h\u1ed7 tr\u1ee3 thu th\u1eadp, ph\u00e2n t\u00edch, \u0111\u00e1nh gi\u00e1, truy\u1ec1n t\u1ea3i d\u1eef li\u1ec7u v\u1ec1 hi\u1ec7u qu\u1ea3 l\u00e0m vi\u1ec7c c\u1ee7a nh\u00e2n vi\u00ean. K\u1ebft qu\u1ea3 ph\u00e2n t\u00edch s\u1ebd gi\u00fap c\u00e1c nh\u00e0 l\u00e3nh \u0111\u1ea1o c\u00f3 c\u00e1i nh\u00ecn v\u1ec1 t\u00ecnh h\u00ecnh, th\u1ef1c tr\u1ea1ng l\u00e0m vi\u1ec7c hi\u1ec7n t\u1ea1i c\u1ee7a nh\u00e2n vi\u00ean m\u00ecnh nh\u01b0 nh\u1eefng nh\u00e2n vi\u00ean n\u00e0o \u0111ang c\u00f3 th\u00e0nh t\u00edch t\u1ed1t nh\u1ea5t, nh\u1eefng nh\u00e2n vi\u00ean n\u00e0o kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c ch\u1ec9 ti\u00eau, v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 xem x\u00e9t m\u1ee9c \u0111\u1ed9 h\u00e0i l\u00f2ng c\u1ee7a nh\u00e2n vi\u00ean v\u1ec1 m\u00f4i tr\u01b0\u1eddng l\u00e0m vi\u1ec7c, ph\u00fac l\u1ee3i,.. c\u1ee7a ng\u00e2n h\u00e0ng d\u00e0nh cho h\u1ecd.<\/p>\n

    C\u00e1c c\u00f4ng c\u1ee5 c\u1ee7a Big Data khai th\u00e1c to\u00e0n b\u1ed9 d\u1eef li\u1ec7u \u0111\u1ec1u \u1edf th\u1eddi gian th\u1ef1c, do \u0111\u00f3 l\u00fac gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c \u0111\u01b0a ra s\u1ebd mang t\u00ednh kh\u1ea3 thi cao, v\u00e0 t\u1ea1o n\u00ean nh\u1eefng s\u1ef1 thay \u0111\u1ed5i nhanh ch\u00f3ng. Ngo\u00e0i ra c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 \u0111o l\u01b0\u1eddng nhi\u1ec1u th\u1ee9 kh\u00f4ng ch\u1ec9 m\u1ed7i hi\u1ec7u su\u1ea5t l\u00e0m vi\u1ec7c c\u1ee7a c\u00e1 nh\u00e2n, m\u00e0 c\u00f2n tinh th\u1ea7n \u0111\u1ed3ng \u0111\u1ed9i, s\u1ef1 t\u01b0\u01a1ng t\u00e1c gi\u1eefa c\u00e1c ph\u00f2ng ban v\u00e0 v\u0103n h\u00f3a t\u1ed5ng th\u1ec3 c\u1ee7a c\u00f4ng ty. Nh\u00e2n vi\u00ean s\u1ebd gi\u1ea3m th\u1eddi gian d\u00e0nh cho c\u00e1c c\u00f4ng vi\u1ec7c mang t\u00ednh th\u1ee7 c\u00f4ng g\u1ed3m nhi\u1ec1u quy tr\u00ecnh ph\u1ee9c t\u1ea1p b\u1eb1ng c\u00e1ch d\u1ef1a v\u00e0o h\u1ec7 th\u1ed1ng Big Data g\u1ed3m c\u00e1c ph\u1ea7n m\u1ec1m \u0111\u00e3 \u0111\u01b0\u1ee3c l\u1eadp tr\u00ecnh s\u1eb5n \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c c\u00f4ng vi\u1ec7c \u1ea5y m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 ch\u00ednh x\u00e1c. T\u1eeb \u0111\u00f3 nh\u00e2n vi\u00ean d\u00e0nh nhi\u1ec1u th\u1eddi gian cho c\u00e1c c\u00f4ng vi\u1ec7c, nhi\u1ec7m v\u1ee5 kh\u00f3 h\u01a1n, c\u1ea5p b\u00e1ch h\u01a1n t\u1eeb c\u1ea5p tr\u00ean giao xu\u1ed1ng.<\/p>\n

    K\u1ebft lu\u1eadn<\/strong><\/p>\n

    C\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n ng\u00e0y nay c\u00f3 quy\u1ec1n truy c\u1eadp h\u00e0ng tri\u1ec7u ho\u1eb7c th\u1eadm ch\u00ed h\u00e0ng t\u1ef7 th\u00f4ng tin, d\u1eef li\u1ec7u v\u1ec1 nhu c\u1ea7u v\u00e0 c\u1ea3m ngh\u0129 c\u1ee7a kh\u00e1ch h\u00e0ng. Gi\u1edd \u0111\u00e2y h\u1ecd c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 Big Data \u0111\u1ec3 khai th\u00e1c ch\u00fang nh\u1eb1m mang l\u1ea1i hi\u1ec7u qu\u1ea3 kinh doanh t\u1ed1t h\u01a1n \u2013 nh\u01b0 \u0111ang t\u1eadn d\u1ee5ng ngu\u1ed3n l\u1ef1c th\u1ee9 ba ngo\u00e0i nh\u00e2n l\u1ef1c v\u00e0 t\u00e0i ch\u00ednh. S\u1ef1 ra \u0111\u1eddi c\u1ee7a \u0111i\u1ec7n to\u00e1n \u0111\u00e1m m\u00e2y (cloud computing) c\u00f3 th\u1ec3 t\u00edch h\u1ee3p c\u00e1c ph\u1ea7n m\u1ec1m, thu\u1eadt to\u00e1n ph\u00e2n t\u00edch v\u00e0 \u0111\u1ed3ng b\u1ed9 h\u00f3a theo th\u1eddi gian th\u1ef1c trong c\u00f9ng m\u1ed9t h\u1ec7 th\u1ed1ng s\u1ebd \u0111em l\u1ea1i k\u1ebft qu\u1ea3 ch\u00ednh x\u00e1c ph\u1ee5c v\u1ee5 cho qu\u00e1 tr\u00ecnh \u0111\u01b0a ra gi\u1ea3i ph\u00e1p kh\u1ea3 thi cao \u1edf hi\u1ec7n t\u1ea1i hay trong t\u01b0\u01a1ng lai. Big Data s\u1ebd m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng theo c\u00e1ch m\u00e0 s\u1ebd cho ph\u00e9p h\u1ecd v\u1eeba gia t\u0103ng l\u1ee3i nhu\u1eadn v\u00e0 gi\u1ea3m c\u00e1c chi ph\u00ed ph\u00e1t sinh. B\u1eb1ng c\u00e1ch c\u1eadp nh\u1eadt, \u1ee9ng d\u1ee5ng kh\u00f4ng ch\u1ec9 Big Data v\u00e0 c\u00e1c xu h\u01b0\u1edbng m\u1edbi n\u1ed5i tr\u00ean to\u00e0n c\u1ea7u nh\u01b0 AI (tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o) hay Machine Learning trong th\u1eddi \u0111\u1ea1i c\u00f4ng ngh\u1ec7 4.0, c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh trong ng\u00e0nh BFSI (Banking Financial Services and Insurance) s\u1ebd n\u1eafm b\u1eaft t\u1ed1t h\u01a1n nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, hi\u1ec3u r\u00f5 m\u1ee5c ti\u00eau ho\u1ea1t \u0111\u1ed9ng trong n\u1ed9i b\u1ed9 t\u1ed5 ch\u1ee9c nh\u1eb1m cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u1ea3i ti\u1ebfn m\u1ed9t c\u00e1ch k\u1ecbp th\u1eddi v\u1edbi chi ph\u00ed ho\u1ea1t \u0111\u1ed9ng t\u1ed1i \u01b0u \u0111\u1ebfn kh\u00e1ch h\u00e0ng hay \u0111\u01b0a ra c\u00e1c gi\u1ea3i ph\u00e1p c\u1ea3i thi\u1ec7n n\u0103ng su\u1ea5t l\u00e0m vi\u1ec7c c\u1ee7a nh\u00e2n vi\u00ean.<\/p>\n

    Ngo\u00e0i vi\u1ec7c x\u00e2y d\u1ef1ng c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng, h\u1ec7 th\u1ed1ng, c\u00e1c c\u00f4ng c\u1ee5, ph\u1ea7n m\u1ec1m c\u00f4ng ngh\u1ec7 h\u1ed7 tr\u1ee3 khai th\u00e1c Big Data, chuy\u00ean gia ph\u00e2n t\u00edch d\u1eef li\u1ec7u c\u00f3 th\u1ec3 gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng thi\u1ebft l\u1eadp c\u00e1c m\u1ee5c ti\u00eau th\u00edch h\u1ee3p cho d\u1ef1 \u00e1n Big Data v\u00e0 t\u00edch h\u1ee3p ki\u1ebfn th\u1ee9c chuy\u00ean m\u00f4n v\u1ec1 ph\u00e2n t\u00edch v\u00e0o c\u00e1c b\u1ed9 ph\u1eadn, ph\u00f2ng ban ch\u1ee9c n\u0103ng c\u1ee7a t\u1ed5 ch\u1ee9c \u0111\u1ec3 mang l\u1ea1i l\u1ee3i \u00edch t\u1ed1i \u0111a kh\u00f4ng ch\u1ec9 trong n\u1ed9i b\u1ed9 m\u00e0 \u0111\u1ebfn kh\u00e1ch h\u00e0ng.<\/strong><\/p>\n

    Source: BigDataUni<\/p>\n

     <\/p>\n","protected":false},"excerpt":{"rendered":"

    \u1ee8ng d\u1ee5ng Big Data trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh ng\u00e2n h\u00e0ng (Banking) \u0111i \u0111\u00f4i v\u1edbi s\u1ef1 ra \u0111\u1eddi c\u1ee7a Big Data\u00a0Ng\u00e0nh ng\u00e2n h\u00e0ng \u0111\u00e3 ph\u00e1t tri\u1ec3n theo b\u01b0\u1edbc nh\u1ea3y v\u1ecdt trong th\u1eadp k\u1ef7 qua t\u1eeb ho\u1ea1t \u0111\u1ed9ng v\u1eadn h\u00e0nh kinh doanh \u0111\u1ebfn cung c\u1ea5p d\u1ecbch v\u1ee5. \u0110i\u1ec1u \u0111\u00e1ng ng\u1ea1c nhi\u00ean … Continue reading \u1ee8ng d\u1ee5ng Big Data trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng (Lang: VIE)<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":1270,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[32,37,55,56,26,54],"class_list":["post-1269","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bookmarked-articles","tag-analytic","tag-banking","tag-customer-analytic","tag-customer-lifecycle","tag-data","tag-data-mining"],"_links":{"self":[{"href":"https:\/\/mintea.blog\/index.php?rest_route=\/wp\/v2\/posts\/1269","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mintea.blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mintea.blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mintea.blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mintea.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1269"}],"version-history":[{"count":6,"href":"https:\/\/mintea.blog\/index.php?rest_route=\/wp\/v2\/posts\/1269\/revisions"}],"predecessor-version":[{"id":1277,"href":"https:\/\/mintea.blog\/index.php?rest_route=\/wp\/v2\/posts\/1269\/revisions\/1277"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mintea.blog\/index.php?rest_route=\/wp\/v2\/media\/1270"}],"wp:attachment":[{"href":"https:\/\/mintea.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1269"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mintea.blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1269"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mintea.blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1269"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}