{"id":4063,"date":"2019-12-06T17:54:49","date_gmt":"2019-12-06T10:54:49","guid":{"rendered":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/?p=4063"},"modified":"2022-10-15T22:47:45","modified_gmt":"2022-10-15T15:47:45","slug":"mang-tai-chinh-hay-cong-nghe-tai-chinh","status":"publish","type":"post","link":"https:\/\/bizuni.vn\/kien-thuc-quan-tri\/mang-tai-chinh-hay-cong-nghe-tai-chinh\/","title":{"rendered":"M\u1ea1ng t\u00e0i ch\u00ednh hay “c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh”?"},"content":{"rendered":"

B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y gi\u00fap x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng cho c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh.<\/em><\/span><\/p>\n

Hkyle Javelosa<\/strong> – Gi\u00e1m \u0111\u1ed1c kinh doanh c\u1ee7a MultiBank Group<\/em><\/p>\n

C\u00e1ch ph\u00e2n lo\u1ea1i c\u00e1c nh\u00f3m ng\u00e0nh trong m\u00f4i tr\u01b0\u1eddng startup \u1edf Ch\u00e2u \u00c1 Th\u00e1i B\u00ecnh D\u01b0\u01a1ng c\u1ea7n \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n m\u1ea1nh m\u1ebd. H\u1ea7u nh\u01b0 ch\u00fang ta hay vi\u1ebft t\u1eaft t\u00ean c\u00e1c nh\u00f3m ng\u00e0nh, v\u00e0 n\u1ebfu n\u00f3 ch\u1ec9 c\u00f3 m\u1ed9t ch\u1eef th\u00ec th\u00eam c\u1ee5m t\u1eeb “c\u00f4ng ngh\u1ec7” \u0111i c\u1ea1nh. T\u1eeb \u0111\u00f3, ch\u00fang ta c\u00f3 c\u00e1c c\u1ee5m t\u1eeb nh\u01b0 c\u00f4ng ngh\u1ec7 y h\u1ecdc, c\u00f4ng ngh\u1ec7 cao,… v\u00e0 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh. S\u1ef1 ph\u00e2n lo\u1ea1i n\u00e0y c\u00f3 \u00fd ngh\u0129a c\u00e1c nh\u00f3m ng\u00e0nh \u0111\u1ec1u kh\u00e1c bi\u1ec7t v\u1edbi nhau nh\u01b0ng ch\u00fang v\u1eabn \u1edf c\u00f9ng m\u1ed9t c\u1ea5p \u0111\u1ed9. H\u00e0m \u00fd n\u00e0y l\u00e0 ho\u00e0n to\u00e0n sai. M\u1ed9t trong c\u00e1c nh\u00f3m ng\u00e0nh \u1edf tr\u00ean ho\u00e0n to\u00e0n kh\u00e1c bi\u1ec7t v\u1edbi c\u00e1c nh\u00f3m c\u00f2n l\u1ea1i, v\u1eady \u0111\u00f3 l\u00e0 ng\u00e0nh n\u00e0o?
\n\u0110\u00f3 ch\u00ednh l\u00e0 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh. Ng\u00e0nh c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t lo\u1ea1i ng\u00e0nh k\u1ef9 thu\u1eadt ri\u00eang bi\u1ec7t, m\u00e0 l\u00e0 n\u1ec1n t\u1ea3ng \u0111\u1ec3 ph\u00e2n lo\u1ea1i c\u00e1c th\u1ebf h\u1ec7 web hi\u1ec7n nay.
\nN\u1ebfu th\u1ebf h\u1ec7 tr\u01b0\u1edbc c\u1ee7a m\u1ea1ng \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 trang m\u1ea1ng x\u00e3 h\u1ed9i, th\u00ec th\u1ebf h\u1ec7 sau n\u00e0y ch\u00ednh l\u00e0 c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t k\u1ef9 thu\u1eadt s\u1ed1. Lo\u1ea1i h\u00ecnh doanh nghi\u1ec7p n\u00e0y s\u1ebd \u0111\u1ecbnh h\u00ecnh m\u1ecdi th\u1ee9 tr\u00ean m\u1ea1ng nh\u01b0 mua b\u00e1n, trao \u0111\u1ed5i, giao d\u1ecbch, \u0111\u1ea7u t\u01b0 ho\u1eb7c m\u1ed9t s\u1ed1 giao d\u1ecbch t\u00e0i ch\u00ednh kh\u00e1c. B\u1edfi v\u00ec c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh s\u1ebd cung c\u1ea5p n\u0103ng l\u01b0\u1ee3ng cho th\u1ebf gi\u1edbi c\u00f4ng ngh\u1ec7 c\u1ee7a ch\u00fang ta, cho n\u00ean h\u1ec7 th\u1ed1ng c\u00f4ng ngh\u1ec7 \u1edf Ch\u00e2u \u00c1 Th\u00e1i B\u00ecnh D\u01b0\u01a1ng n\u00ean xem x\u00e9t vi\u1ec7c xem ch\u00fang nh\u01b0 l\u00e0 trang web t\u00e0i ch\u00ednh. M\u1ea1ng t\u00e0i ch\u00ednh x\u1ee9ng \u0111\u00e1ng \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c c\u00f4ng ngh\u1ec7 ph\u00e1t tri\u1ec3n, b\u1edfi n\u00f3 \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong vi\u1ec7c nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c t\u01b0\u01a1ng lai c\u1ee7a Ch\u00e2u \u00c1 Th\u00e1i B\u00ecnh D\u01b0\u01a1ng, v\u00e0 n\u00f3 s\u1ebd l\u00e0m thay \u0111\u1ed5i t\u00e0i ch\u00ednh theo c\u00e1ch m\u00e0 c\u00e1c nh\u00e0 s\u00e1ng l\u1eadp c\u1ea7n l\u01b0u \u00fd \u0111\u1ebfn.<\/span><\/span><\/p>\n

M\u1ea1ng t\u00e0i ch\u00ednh l\u00e0m d\u00e2n ch\u1ee7 h\u00f3a vi\u1ec7c qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n:<\/span><\/strong> C\u00e1c nh\u00e0 t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh t\u1eebng \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t \u0111\u1eb7c quy\u1ec1n thi\u00eang li\u00eang c\u1ee7a ng\u01b0\u1eddi gi\u00e0u, nh\u01b0ng b\u00e2y gi\u1edd kh\u00f4ng c\u00f2n n\u1eefa nh\u1edd v\u00e0o c\u00e1c c\u1ed1 v\u1ea5n t\u1ef1 \u0111\u1ed9ng. C\u00e1c c\u1ed1 v\u1ea5n vi\u00ean t\u1ef1 \u0111\u1ed9ng c\u0169ng gi\u1ed1ng nh\u01b0 c\u00e1i t\u00ean c\u1ee7a ch\u00fang: c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a \u0111\u01b0a ra l\u1eddi khuy\u00ean t\u00e0i ch\u00ednh nh\u1edd c\u00e1c thu\u1eadt to\u00e1n v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o. Nh\u1eefng gi\u1ea3i ph\u00e1t c\u0169ng mang t\u00ednh c\u00e1 nh\u00e2n, d\u1ef1a v\u00e0o m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. M\u1ed9t v\u00e0i ng\u01b0\u1eddi mu\u1ed1n ti\u1ebft ki\u1ec7m ti\u1ec1n \u0111\u1ec3 cho con c\u00e1i h\u1ecdc \u0111\u1ea1i h\u1ecdc, v\u00e0i ng\u01b0\u1eddi kh\u00e1c mu\u1ed1n t\u1ef1 mua nh\u00e0, trong khi m\u1ed9t s\u1ed1 ch\u1ec9 mu\u1ed1n t\u1ea1o s\u1ef1 an to\u00e0n cho m\u00ecnh. C\u00e1c c\u1ed1 v\u1ea5n vi\u00ean t\u1ef1 \u0111\u1ed9ng s\u1ebd gi\u00fap ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1eed d\u1ee5ng ngu\u1ed3n thu nh\u1eadp m\u1ed9t c\u00e1ch t\u1ed1t nh\u1ea5t.<\/span><\/p>\n

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M\u1ea1ng t\u00e0i ch\u00ednh s\u1ebd gi\u1ea3m r\u1eafc r\u1ed1i t\u00edn d\u1ee5ng:<\/span><\/strong> C\u00f3 r\u1ea5t nhi\u1ec1u ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf tr\u00ean kh\u1eafp ch\u00e2u \u00c1 mu\u1ed1n vay v\u1ed1n, nh\u01b0ng l\u1ea1i b\u1ecb t\u1eeb ch\u1ed1i t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng v\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3. V\u00ed di \u0111\u1ed9ng v\u00e0 smartphone c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y. Thay v\u00ec d\u1ef1a v\u00e0o \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a ngu\u1ed3n t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng, c\u00f3 nh\u1eefng nh\u00e0 cung c\u1ea5p \u0111i\u1ec3m t\u00edn d\u1ee5ng thay th\u1ebf s\u1ebd x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb t\u00edn d\u1ee5ng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u truy\u1ec1n th\u00f4ng x\u00e3 h\u1ed9i. S\u1eed d\u1ee5ng d\u1eef li\u1ec7u thay th\u1ebf c\u00f3 ngh\u0129a l\u00e0 h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi c\u00f3 gi\u00e1 tr\u1ecb t\u00edn d\u1ee5ng tr\u00ean kh\u1eafp Ch\u00e2u \u00c1 cu\u1ed1i c\u00f9ng c\u0169ng c\u00f3 quy\u1ec1n l\u1ee3i ph\u00e1t tri\u1ec3n doanh nghi\u1ec7p.<\/span><\/p>\n

M\u1ea1ng t\u00e0i ch\u00ednh s\u1ebd c\u1ea3i thi\u1ec7n t\u00ednh di \u0111\u1ed9ng x\u00e3 h\u1ed9i:<\/span><\/strong> Ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u nh\u00e0 m\u00f4i gi\u1edbi truy\u1ec1n th\u1ed1ng tr\u00ean kh\u1eafp ch\u00e2u \u00c1 chuy\u1ec3n sang d\u00f9ng k\u1ef9 thu\u1eadt s\u1ed1, gi\u00fap h\u1ecd mang d\u00e1ng d\u1ea5p c\u1ee7a m\u1ed9t c\u00f4ng ty c\u00f4ng ngh\u1ec7. V\u00ed d\u1ee5, t\u1ea1i Philippines, Col Financial l\u00e0 m\u1ed9t trong nh\u1eefng c\u00f4ng ty m\u00f4i gi\u1edbi \u0111\u1ea7u ti\u00ean m\u1edf giao d\u1ecbch online l\u00e0m vi\u1ec7c v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng nh\u1ecf h\u01a1n, tho\u00e1t kh\u1ecfi truy\u1ec1n th\u1ed1ng ch\u1ec9 l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c c\u00e1 nh\u00e2n cao c\u1ea5p. Xu h\u01b0\u1edbng m\u00f4i gi\u1edbi n\u00e0y tr\u1edf th\u00e0nh xu h\u01b0\u1edbng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean t\u0103ng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi h\u01a1n, v\u00ec c\u00e1c chi\u1ebfn l\u01b0\u1ee3c s\u1ebd gi\u00fap h\u1ecd m\u1edf r\u1ed9ng quy m\u00f4 nhanh h\u01a1n nhi\u1ec1u gi\u1ed1ng nh\u01b0 c\u00e1c startup trong ng\u00e0nh. M\u00f4 h\u00ecnh n\u00e0y c\u0169ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng trong c\u00e1c ng\u00e0nh d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh k\u1ebf th\u1eeba kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u00e1c c\u00f4ng ty ngo\u1ea1i h\u1ed1i, nh\u1eefng ng\u01b0\u1eddi \u0111ang cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 t\u00e0i nguy\u00ean k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 ph\u1ee5c v\u1ee5 t\u1ed1t h\u01a1n cho th\u1ebf h\u1ec7 th\u01b0\u01a1ng nh\u00e2n ti\u1ebfp theo. Vi\u1ec7c l\u1ed3ng gh\u00e9p c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh online n\u00e0y s\u1ebd l\u00e0 m\u1ed9t c\u00f4ng c\u1ee5 gi\u00fap ng\u01b0\u1eddi d\u00f9ng c\u00f4ng ngh\u1ec7 gi\u00e0u l\u00ean.<\/span><\/p>\n

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V\u00ec sao m\u1ea1ng t\u00e0i ch\u00ednh n\u00ean \u0111\u01b0\u1ee3c quan t\u00e2m?<\/span><\/strong>
\nVi\u1ec7c ph\u1ed5 bi\u1ebfn thu\u1eadt ng\u1eef “c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh” c\u00f3 ngh\u0129a l\u00e0 nhi\u1ec1u nh\u00e0 s\u00e1ng l\u1eadp c\u00f3 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c t\u0103ng c\u01b0\u1eddng d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh l\u1ea1i th\u01b0\u1eddng b\u1ecf b\u00ea ch\u00fang. V\u1eady r\u1ed1t cu\u1ed9c, h\u1ecd kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi s\u00e1ng l\u1eadp c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh. Nh\u01b0ng s\u1ef1 th\u1eadt l\u00e0 c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t k\u1ef9 thu\u1eadt s\u1ed1 s\u1ebd mang l\u1ea1i nh\u1eefng thay \u0111\u1ed5i l\u1edbn \u0111\u1ebfn cho ng\u01b0\u1eddi d\u00e2n to\u00e0n Ch\u00e2u \u00c1 Th\u00e1i B\u00ecnh D\u01b0\u01a1ng, v\u00ec th\u1ebf m\u1ecdi ng\u01b0\u1eddi n\u00ean chu\u1ea9n b\u1ecb tr\u01b0\u1edbc tinh th\u1ea7n. B\u1ea1n ph\u1ea3i suy ngh\u0129 v\u1ec1 s\u1ef1 \u1ea3nh h\u01b0\u1edfng c\u1ee7a m\u1ea1ng t\u00e0i ch\u00ednh \u0111\u1ebfn kh\u00e1ch h\u00e0ng, n\u00ean v\u1eadn h\u00e0nh nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ec3 c\u1ea3i thi\u1ec7n s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a b\u1ea1n, v\u00e0 c\u00e1ch h\u1ee3p t\u00e1c v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c trong ng\u00e0nh \u0111\u1ec3 t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 c\u1ee7a h\u1ecd. M\u1ea1ng t\u00e0i ch\u00ednh l\u00e0 m\u1ed9t thu\u1eadt ng\u1eef h\u1eefu \u00edch: N\u00f3 khi\u1ebfn b\u1ea1n nh\u1eadn ra r\u1eb1ng b\u1ea1n l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a m\u1ed9t t\u1eadp th\u1ec3 l\u1edbn, l\u00e0 n\u01a1i mang l\u1ea1i s\u1ef1 th\u1ecbnh v\u01b0\u1ee3ng cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi.<\/span><\/p>\n

www.entrepreneur.com<\/span><\/strong><\/p>\n

C\u00e1c kh\u00f3a h\u1ecdc c\u00f9ng ch\u1ee7 \u0111\u1ec1<\/span><\/strong><\/em><\/p>\n

M\u1eddi b\u1ea1n tham kh\u1ea3o:<\/p>\n

L\u00c3NH \u0110\u1ea0O KI\u1ec6T XU\u1ea4T<\/a><\/strong><\/span> (GV: Brian Tracy<\/a><\/strong><\/span>)<\/p>\n

C\u00f3 nh\u1eefng nh\u00e0 l\u00e3nh \u0111\u1ea1o th\u00e0nh c\u00f4ng\u00a0l\u00e0 do t\u1ed1 ch\u1ea5t b\u1ea9m sinh, v\u00e0 c\u0169ng c\u00f3 nh\u1eefng nh\u00e0 l\u00e3nh \u0111\u1ea1o th\u00e0nh c\u00f4ng l\u00e0 do r\u00e8n luy\u1ec7n, do ho\u00e0n c\u1ea3nh. V\u1edbi h\u01a1n 9 ch\u1ee7 \u0111\u1ec1 v\u00e0 h\u01a1n\u00a03 gi\u1edd h\u1ecdc, \u00a0kh\u00f3a h\u1ecdc “L\u00c3NH \u0110\u1ea0O KI\u1ec6T XU\u1ea4T C\u00d9NG\u00a0BRIAN TRACY” cung c\u1ea5p nh\u1eefng ki\u1ebfn th\u1ee9c v\u00e0 ph\u00e2n t\u00edch nh\u1eefng t\u00ecnh hu\u1ed1ng th\u1ef1c t\u1ebf\u00a0c\u1ea7n thi\u1ebft nh\u1eb1m gi\u00fap h\u1ecdc vi\u00ean\u00a0n\u1eafm v\u1eefng nh\u1eefng y\u1ebfu t\u1ed1 \u0111\u1ec3 r\u00e8n luy\u1ec7n tr\u1edf th\u00e0nh nh\u00e0 l\u00e3nh \u0111\u1ea1o t\u00e0i ba v\u00e0 \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00e0nh c\u00f4ng trong s\u1ef1 nghi\u1ec7p.<\/p>\n

TRI TH\u1ee8C CHO CH\u1ee6 DOANH NGHI\u1ec6P<\/a><\/strong><\/span> (GV: Nguy\u1ec5n C\u1ea3nh B\u00ecnh<\/a><\/strong><\/span>)<\/p>\n