LỢI ÍCH TƯƠNG LAI CỦA THANH TOÁN DI ĐỘNG
Các phương thức thanh toán mã QR hiện đại và việc áp dụng hàng loạt điện thoại thông minh được dự đoán sẽ cung cấp nhiều chỗ cho việc phát triển mua sắm di động ở Việt Nam
Điện thoại thông minh chiếm một tỷ lệ ưu thế là 91% tổng số điện thoại di động Việt Nam đang sử dụng, thậm chí gần 80% người dùng điện thoại di động ở các vùng nông thôn đã sử dụng điện thoại thông minh. Vì vậy việc sử dụng thanh toán QR trở nên dễ dàng và thuận tiện hơn bao giờ hết. Việc không sử dụng tiền mặt và thanh toán nhanh chóng là hai lợi ích chính do thanh toán mã QR mang lại. Ứng dụng thanh toán mã QR minh họa công nghệ tiên tiến có thể hỗ trợ người tiêu dùng địa phương. Theo cuộc khảo sát gần đây về thái độ người tiêu dùng đối với các công nghệ thanh toán mới cho thấy 9 trong số 10 người tiêu dùng Việt Nam sẵn sàng thử phương thức thanh toán mới, với 88% nói rằng họ sẽ rất có thể sử dụng điện thoại thông minh của họ để thực hiện thanh toán.
No cash and amazingly quick payment are the two major benefits brought by VNPAY’s QR code payment application that are drawing tech-savvy Nguyen Ngoc and her friends to use their smartphones to purchase numerous items on e-commerce platforms, like aeoneshop.com, yes24.vn, and
Sales executive Nguyen Ngoc from Hanoi’s Ba Dinh district, aged 28, is one of
“I can freely select and pay for my preferred goods through the QR code payment directly connected to my Vietcombank and Agribank accounts. The payments save time and are conducted with a high level of security. For instance, orders worth more than VND500,000 ($23) must be
The QR code payment app exemplifies how cutting-edge technology can aid local consumers.
“Cashless payments will take Vietnam by storm, as a large number of Vietnamese consumers are willing to adopt the global trend,” Dang Thuy Ha, head of
In 2017, 53 million people in Vietnam frequently accessed the internet through personal computers, laptops, tablets, mobile phones, and other devices. The figure is expected to reach 59 million by 2020 – equivalent to 60
The 2018 Vietnam E-business Index Report by Vietnam E-commerce Association (VECOM) mentioned mobile technology as a significant contributor to e-commerce growth.
According to the report, since 2015 – the year that marked the explosion of the mobile commerce trend – companies have further invested in business operations concerning this new trend, from upgrading websites to be compatible with mobile devices, to
The demand to purchase on mobile platforms is high in Hanoi and Ho Chi Minh City. The proportion of enterprises owning a mobile app for sales was 15
Mobile shopping alliance
Mobile shopping in Vietnam will be accelerated by online payments, in addition to the above-mentioned factors.
A recent Visa survey on consumer attitude to new payment technologies shows that nine out of 10 Vietnamese consumers are willing to try new payment methods, with 88
Sean Preston, Visa’s country director for Vietnam, Laos, and Cambodia, told VIR that Visa’s QR code payment technology brings the benefits of easy and secure digital commerce to the mobile phone, helping to accelerate the global migration from cash to electronic payments.
Ha from Nielsen Vietnam noted that online payment will soar in mobile and computer applications, not only because of e-commerce
Domestically-invested Vietnam Payment Solutions JSC (VNPAY) took the initiative by launching the VNPAY QR code payment tool on its own mobile banking application. In 2018, VNPAY is still rolling out the QR code payment system on leading e-commerce platforms in Vietnam, namely Lazada, Adayroi, Tiki, and Sendo, said Nguyen Anh Tuyet, VNPAY director of sales. The partnership in QR payments would bear fruits in the first half of 2018, expected to give a boost to mobile shopping.
VNPAY puts high hopes in the booming adoption of QR code payments in the Vietnamese market over the next three years. With the advent of giants like Alibaba, Amazon, and
VNPAY has already teamed up with more than 10 large commercial banks in Vietnam to enlarge its network of nearly nine million QR code users and more than 10,000 entities accepting QR payment. Tuyet asserted that there are similarities in the e-commerce markets of Vietnam and China, with the latter exemplifying the flourishing development of QR code payments. Thus, the mass adoption of QR code payments is possible in Vietnam, if stakeholders like state agencies, banks, payment intermediaries, and goods providers find a consensus.
Security is not a big problem for QR code payments, as it allows users to carry out payments without the point of sale requiring user information. In addition, the VNPAY mobile banking app only accepts QR codes in conformity with those developed by local commercial banks, adhering to the standards managed by EMVCo, LLC – a technical body facilitating the worldwide interoperability and acceptance of secure payment transactions. This helps
Lazada, a leading e-commerce platform in Vietnam, is expecting mobile commerce to flourish in the country in 2018 and subsequent years, Lazada Vietnam’s CEO Alexandre Dardy told VIR. “With the wide adoption of smartphones, mobile commerce will help us to reach more and more people in rural areas that have never been exposed to online shopping before. During Lazada’s Online Revolution 2017 promotion campaign, we sold nearly 1.5 million items within three November days – and 70
Lazada is partnering with dozens of banks for online payment, especially mobile payment – which is becoming more and more popular in Vietnam, as many
Lazada, Shoppee, Aeon, Tiki, and many others have been successful with their mobile shopping applications, with the number of mobile orders steadily increasing.
According to the Ministry of Industry and Trade, in 2016, Vietnam’s retail e-commerce sales reached $5 billion. In 2017, the figure was estimated to soar by 25
Nguồn: Vietnam Investment Review