{"id":2776,"date":"2025-03-16T13:20:04","date_gmt":"2025-03-16T06:20:04","guid":{"rendered":"https:\/\/tworldvietnam.com\/?p=2776"},"modified":"2025-03-11T13:23:52","modified_gmt":"2025-03-11T06:23:52","slug":"su-phat-trien-cua-fintech-va-tac-dong-den-nganh-ma","status":"publish","type":"post","link":"https:\/\/tworldvietnam.com\/en\/su-phat-trien-cua-fintech-va-tac-dong-den-nganh-ma\/","title":{"rendered":"S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a fintech v\u00e0 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ng\u00e0nh M&A"},"content":{"rendered":"

Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, Mergers and Acquisitions (M&A) \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n quan tr\u1ecdng trong chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c doanh nghi\u1ec7p tr\u00ean to\u00e0n c\u1ea7u. Tuy nhi\u00ean, khi c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n v\u00e0 thay \u0111\u1ed5i, fintech (c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh) \u0111\u00e3 n\u1ed5i l\u00ean nh\u01b0 m\u1ed9t y\u1ebfu t\u1ed1 thay \u0111\u1ed5i cu\u1ed9c ch\u01a1i trong l\u0129nh v\u1ef1c M&A.<\/span><\/p>\n

Fintech kh\u00f4ng ch\u1ec9 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n m\u00e0 c\u00f2n thay \u0111\u1ed5i c\u00e1ch th\u1ee9c c\u00e1c doanh nghi\u1ec7p t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c, th\u1ef1c hi\u1ec7n giao d\u1ecbch v\u00e0 t\u1ed1i \u01b0u h\u00f3a gi\u00e1 tr\u1ecb trong c\u00e1c th\u01b0\u01a1ng v\u1ee5 M&A. H\u00e3y c\u00f9ng Transworld Business Advisors<\/strong><\/a> t\u00ecm hi\u1ec3u v\u1ec1 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a fintech v\u00e0 t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 \u0111\u1ebfn ng\u00e0nh M&A.<\/span><\/p>\n

Fintech v\u00e0 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh<\/span><\/h3>\n

Fintech \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u00e1c c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn \u0111ang thay \u0111\u1ed5i c\u00e1ch th\u1ee9c c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c cung c\u1ea5p v\u00e0 s\u1eed d\u1ee5ng, t\u1eeb c\u00e1c d\u1ecbch v\u1ee5 thanh to\u00e1n, ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn \u0111\u1ebfn c\u00e1c c\u00f4ng ngh\u1ec7 blockchain v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI). S\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a fintech \u0111\u00e3 m\u1edf ra nhi\u1ec1u c\u01a1 h\u1ed9i m\u1edbi cho c\u00e1c doanh nghi\u1ec7p v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0, \u0111\u1eb7c bi\u1ec7t trong c\u00e1c l\u0129nh v\u1ef1c nh\u01b0 thanh to\u00e1n di \u0111\u1ed9ng, cho vay tr\u1ef1c tuy\u1ebfn, v\u00e0 \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh.<\/span><\/p>\n

S\u1ef1 \u0111\u1ed5i m\u1edbi n\u00e0y kh\u00f4ng ch\u1ec9 thay \u0111\u1ed5i c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh m\u00e0 c\u00f2n t\u1ea1o ra nh\u1eefng c\u01a1 h\u1ed9i v\u00e0 th\u00e1ch th\u1ee9c m\u1edbi trong l\u0129nh v\u1ef1c M&A.<\/span><\/p>\n

T\u00e1c \u0111\u1ed9ng c\u1ee7a fintech \u0111\u1ebfn ng\u00e0nh M&A<\/span><\/h3>\n
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  1. \n

    C\u1ea3i thi\u1ec7n quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh v\u00e0 \u0111\u00e1nh gi\u00e1 doanh nghi\u1ec7p<\/span><\/p>\n

    Th\u1ea9m \u0111\u1ecbnh l\u00e0 m\u1ed9t b\u01b0\u1edbc quan tr\u1ecdng trong b\u1ea5t k\u1ef3 giao d\u1ecbch M&A n\u00e0o. V\u1edbi s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 fintech, qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh doanh nghi\u1ec7p c\u00f3 th\u1ec3 tr\u1edf n\u00ean ch\u00ednh x\u00e1c h\u01a1n v\u00e0 nhanh ch\u00f3ng h\u01a1n. C\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o gi\u00fap \u0111\u00e1nh gi\u00e1 t\u00e0i ch\u00ednh v\u00e0 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng c\u1ee7a c\u00e1c c\u00f4ng ty m\u1ee5c ti\u00eau m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng v\u00e0 nhanh ch\u00f3ng, t\u1eeb \u0111\u00f3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u00e0 t\u1ed1i \u01b0u h\u00f3a c\u00e1c quy\u1ebft \u0111\u1ecbnh \u0111\u1ea7u t\u01b0 trong M&A.<\/span><\/p>\n<\/li>\n

  2. \n

    T\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng thanh to\u00e1n v\u00e0 giao d\u1ecbch xuy\u00ean bi\u00ean gi\u1edbi<\/span><\/p>\n

    Fintech gi\u00fap c\u00e1c c\u00f4ng ty d\u1ec5 d\u00e0ng th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh xuy\u00ean bi\u00ean gi\u1edbi m\u00e0 kh\u00f4ng g\u1eb7p ph\u1ea3i c\u00e1c r\u00e0o c\u1ea3n v\u1ec1 thanh to\u00e1n qu\u1ed1c t\u1ebf. C\u00f4ng ngh\u1ec7 blockchain v\u00e0 c\u00e1c h\u1ec7 th\u1ed1ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed \u0111\u00e3 l\u00e0m cho vi\u1ec7c chuy\u1ec3n ti\u1ec1n nhanh ch\u00f3ng v\u00e0 an to\u00e0n h\u01a1n, gi\u00fap c\u00e1c giao d\u1ecbch M&A di\u1ec5n ra tr\u00f4i ch\u1ea3y v\u00e0 kh\u00f4ng g\u1eb7p ph\u1ea3i c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn t\u00e0i ch\u00ednh.<\/span><\/p>\n<\/li>\n

  3. \n

    M\u1edf r\u1ed9ng c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 v\u00e0 t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c trong M&A<\/span><\/p>\n

    Fintech kh\u00f4ng ch\u1ec9 gi\u00fap c\u00e1c doanh nghi\u1ec7p t\u1ed1i \u01b0u h\u00f3a c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh m\u00e0 c\u00f2n m\u1edf r\u1ed9ng c\u01a1 h\u1ed9i t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c. C\u00e1c n\u1ec1n t\u1ea3ng fintech hi\u1ec7n nay cung c\u1ea5p th\u00f4ng tin v\u1ec1 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p v\u00e0 doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf (SMEs) c\u00f3 ti\u1ec1m n\u0103ng t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd, m\u1edf ra nhi\u1ec1u c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 v\u00e0 s\u00e1p nh\u1eadp cho c\u00e1c doanh nghi\u1ec7p l\u1edbn.<\/span><\/p>\n<\/li>\n

  4. \n

    T\u1ed1i \u01b0u h\u00f3a chi\u1ebfn l\u01b0\u1ee3c M&A v\u00e0 gi\u1ea3m thi\u1ec3u chi ph\u00ed<\/span><\/p>\n

    C\u00e1c c\u00f4ng ngh\u1ec7 fintech gi\u00fap c\u00e1c c\u00f4ng ty trong ng\u00e0nh M&A t\u1ed1i \u01b0u h\u00f3a chi\u1ebfn l\u01b0\u1ee3c v\u00e0 gi\u1ea3m chi ph\u00ed giao d\u1ecbch. C\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch d\u1eef li\u1ec7u l\u1edbn (big data) v\u00e0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n c\u00e1c xu h\u01b0\u1edbng th\u1ecb tr\u01b0\u1eddng v\u00e0 x\u00e1c \u0111\u1ecbnh nh\u1eefng c\u01a1 h\u1ed9i \u0111\u1ea7u t\u01b0 ti\u1ec1m n\u0103ng. H\u01a1n n\u1eefa, vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh (smart contracts) d\u1ef1a tr\u00ean blockchain c\u00f3 th\u1ec3 gi\u00fap c\u00e1c b\u00ean tham gia giao d\u1ecbch t\u1ef1 \u0111\u1ed9ng th\u1ef1c thi c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng m\u00e0 kh\u00f4ng c\u1ea7n s\u1ef1 can thi\u1ec7p c\u1ee7a c\u00e1c b\u00ean trung gian, t\u1eeb \u0111\u00f3 gi\u1ea3m chi ph\u00ed giao d\u1ecbch.<\/span><\/p>\n<\/li>\n

  5. \n

    S\u1ef1 thay \u0111\u1ed5i trong c\u00e1ch th\u1ee9c th\u1ef1c hi\u1ec7n giao d\u1ecbch M&A<\/span><\/p>\n

    V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a fintech, c\u00e1c doanh nghi\u1ec7p c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch M&A th\u00f4ng qua c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap ti\u1ebft ki\u1ec7m th\u1eddi gian m\u00e0 c\u00f2n mang l\u1ea1i s\u1ef1 ti\u1ec7n l\u1ee3i cho c\u00e1c b\u00ean tham gia, t\u1eeb vi\u1ec7c \u0111\u00e0m ph\u00e1n \u0111\u1ebfn k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. C\u00f4ng ngh\u1ec7 \u0111\u00e3 gi\u00fap t\u1ea1o ra c\u00e1c n\u1ec1n t\u1ea3ng giao d\u1ecbch an to\u00e0n, minh b\u1ea1ch v\u00e0 hi\u1ec7u qu\u1ea3 h\u01a1n trong M&A.<\/span><\/p>\n<\/li>\n<\/ol>\n

    Th\u00e1ch th\u1ee9c khi \u00e1p d\u1ee5ng fintech trong M&A<\/span><\/h3>\n

    M\u1eb7c d\u00f9 fintech mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch trong ng\u00e0nh M&A, nh\u01b0ng vi\u1ec7c \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh v\u00e0o c\u00e1c giao d\u1ecbch n\u00e0y c\u0169ng kh\u00f4ng thi\u1ebfu th\u00e1ch th\u1ee9c:<\/span><\/p>\n