Phân tích thực trạng ứng dụng CNTT tại ngân hàng chính sách xã hội e

Phân tích thực trạng ứng dụng CNTT tại ngân hàng Chính sách xã hội
1. Enterprise introduction.
VBSP Bank was established under Decision No. 131/2003/QD-TTG on the
establishment of the Vietnam Social Policy Bank based on the reorganization of the Bank
for the Poor.
Currently VBSP capital of 5,000 billion VND, with more than 5,000 employees and 63
provincial branches and 612 banking room at county / district, and more than 10,000
outlets in communes across the country.
A state credit institution is characterized by, operating for the purpose of poverty
reduction, economic development, social stability and sustainable growth, not-for-profit.
VBSP apparatus to manage and operate uniformly throughout the country, state-level
allocation of capital, and to ensure liquidity, the required reserve ratio of 0% is not
insured

deposits,

be

exempt

from

taxes

and

state

budget.

With the Board of Directors consists of 12 members from government ministries and

chairman of the board is the Governor of the State Bank of Vietnam, the same dynamic
staff, many business management operation in the field banking and financial markets domestic and international currency. VBSP and innovations to better perform the tasks of
the Party and the State entrusted.
2. Situation.
Along with the continuous development of information technology and unlimited
applications in the field of IT, in Vietnam today economic integration with the leading
foreign banks in the country have been deployed to provide products cater to the
shopping needs of goods and services online, online payment ... more and more special
attention in order to successfully apply and bring no small success now, before the
situation then, the Bank has been promoting research and application of information
technology, e-commerce to meet the needs of customers, as well as create a competitive
advantage in the financial environment is gradually becoming more severe in the coming
years.
VBSP is now operating in the banking sector, with specific activities are gradually


expanding operations to commercial banks. 've Noticed the upgrades, information
systems, e-commerce, information technology should be particularly interested in
investment and development to meet the increasing demand of customers, on the basis of
which can expansion of products and services, attract new potential customers, especially
students who are familiar with the applications on the Internet is huge.
VBSP currently on the road and in the near future restructuring entered the playing field
with commercial banks in the country and the world is a matter of survival of the bank, so
in addition to have been built a system has built strong information technology, software
platform banks core Corebanking, the implementation of a functional website to provide
application internetbanking will be a strong step to VBSP access to and success on the
way into the playing field of the banking sector to meet the needs of increasingly diverse
customers in the future.
Compared with other domestic and international Commercial Bank, the information
technology systems of VBSP is relatively inferior. Because information technology

systems that have not been properly invested in previous years, but in recent years has
been strong interest and investment in order to meet the challenges along with the rapid
development of market finance, and restructuring of the banking sector and new
challenges when playing officially joined the commercial banks in the next few years.
3. SWOT analysis (related to IT, file systems, e-commerce).
In order to develop a strategic information technology, information systems, ecommerce, IT department has analyzed the strengths, weaknesses, opportunities and
challenges of VBSP will encounter and thereby build should investment strategy and
strategy development in the period 2013 - 2016 and vision to 2020 for the approval of the
Board of enterprise.
SWOT

OPPORTUNITY
-

Demand

for

THREAD

payment, - Take the intense competition

products and services related from domestic competitors and
to growing Internet.

international.

- There are many products, many

companies

Requirements

about

the

selling quality of customer service are


online and accept payments higher.
online.

-

-

The

high

information

- Government incentives.

security. The theft of customer

- There are many providers information and e-commerce
and

software

designed

to

system fraud
meet

increasingly

the sophisticated.

requirements of the Bank.

- Technology changes, and
ongoing development.
- The habit of people using
cash.

STRONG
- Young customers of the bank

WEAKNESS
-

Being deployed during building.

are very large student with over 3
million customers.

- There is an investment of the
industry.
- There are staffs of young,
highly qualified, enthusiastic.
- There is a wide choice of
providers and website design and
overcome the weaknesses of
opponents ahead.
-Having good financial potential.
4. Comparison with competitors in the same industry.
I would like to find out and analyze the three banks that provide services ACB,
Vietinbank, Citibank, to VBSP selectively good points and avoid weaknesses in order to
set up your website.


Source citibank.com.vn
Citibank Vietnam is a foreign bank from multinational corporations citigroups.
Highlights of the site are:
- More information.
- Fascinating.
- Many promotions.
- Easy to use.
- Good security.
- Demonstrate a variety of products and services.
- There are many link addresses.
- Beautiful interface.


Source acbonline.com.vn

Source vietinbank.vn/epayment/onlineregist
Basically banks have similar products, interface with user-friendly website, easy to
remember, easy to use, especially the highly confidential information. However, Citibank
Vietnam website shows the diversity and abundance, the user more choice and
information and to see the pro's and multi-site applications.
5. Analysis of experiences, lessons learned from other domestic and foreign
companies.
Today, in banking industry adoption of information technology is not only
necessary but also vital for the banks, but also for the Bank set out the challenges that are
facing the great risks such as information technology theft of customer credit card
counterfeiting, stolen passwords are becoming more sophisticated.
Lessons learned from Citibank that hacker attacks to steal credit card information
of 200,000 individual customers in this bank..
To overcome or minimize network security risks the Bank also sets the staff
regulations, Controller frequent password changes to the system making the transfers,
withdrawals ...., and no password is provided for other people to use. Use anti-virus
software is copyrighted, or rent information security vendors and overcome cybersecurity
vulnerabilities.
When provide online money transfer service, a huge risk if used by hackers. The
fix is to hire firms antivirus software copyright look and fill the security holes before
providing services. In addition, the Bank is planning to deploy the application of digital
signatures to ensure the safety of electronic banking transactions. Also consult the
security of RSA's technology, (via the RSA SecurID solution security token) that
Vietcombank is applied in the past year, as well as valuable lessons for the banking
application.
- High security with RSA token client will be doubly protected by two-factor (token Pin
code) is always changing.
- Low cost, and continuous operation applications installed on the OS window.
By doing this VBSP will draw lessons to choose good solutions but solutions RSA

SecurID token security solutions as well as special attention is deployed and
synchronized with the internal security solution.
Via some lessons learned, when performing VBSP will draw lessons to choose
good solutions but solutions RSA SecurID token security solutions as well as special
attention is deployed and synchronized with the internal security solution.
6. Find out application IT solutions in the banking sector.
Recognizing the advantages of e-commerce as well as the application of information
technology such as: reduce costs, increase revenue, expand and strengthen relationships
with domestic and foreign partners. So in the world of information technology is used
very much in the banking sector is creating a lot of products and innovative services for
human life.
The

solution

is

given

as

the

application

of

IT in

the

banking

sector.

- Continue adding complete legal framework and policies for the development of
electronic payment. In the clear legal framework, transparent and reasonable supervision
of state banks will increase the confidence of businesses and individuals on electronic
payment systems and IT applications in particular the banking sector told General.
- Continue to promote the development of card payments via pos, diverse types of
payment cards, and to encourage the development of physical POS cashless payment, as
well as to promote the development of new forms of payments through the Internet, via
mobile phone...
- Focus resources to develop the network infrastructure for IT applications engineering,
electronic payments, such as centralized network development, accept cards, which will
build up businesses to accept card system payments, promote inter-network connectivity
pos nationwide, completed the construction of the center unified card switching.
- Actively coordinate with the relevant implementing agencies to promote the prevention
of high-tech crime, related to electronic payment, and security of customer information...
- Promote the dissemination and education-oriented community with products and
services; to IT applications in banking become habits of customers.
7. Strategic of IT and e-commerce applications in the Bank.
With the modernization strategy of the Bank and the Government of the State
Bank of 95% far most active, products and services of the Bank has been computerized.


At a seminar on banking Vietnam 2012 exhibition held month's 5/2012 by Mr. Le Manh
Hung (IT Department) in recent years SBV has issued a series of documents, legal in the

industry to guide and adjusting the activities related to the procurement of equipment,
ensuring operational and security requirements in the field of Security Bank. According
to Mr Hung strategic IT applications and e-commerce in the banking industry for 20122016 will focus on six key areas: operating support monetary policy, supervision, data
security management national development, national payment systems, treasury
management, operations management and other internal.
- With strong strategic development of credit financial institutions within the
country, promoting the application in cashless payment and boost revenue collection
activities, the fees and expenses of State Bank through the system, develop payment
applications over the internet via mobile phone ...
To successfully implement the strategy, set objectives synchronous request made
perfect strategic technology infrastructure and diversified banking services with the aim
of supporting the banks capacity addition competition, effectively utilize human
resources, simplify administrative procedures, changes in business practices and enhance
service quality, expanding electronic channels of communication between the customer
and the modern commercial banks such as ATM , POS, Home Banking, internet
banking

...

According to Bui Quang Tien - Billing Department under the State Bank of Vietnam
seminar Banking Vietnam 2012 exhibition held month's 5/2012 opinion: Enhance the
application of information technology and communication to develop the new electronic
payment. State should have incentives for loans for businesses to invest infrastructure
development, application software for the development of the new electronic payment,
besides, commercial banks to promote technology development, compatible software to
develop a new payment method. Doing so will enable banks to more sustainable
development through diversification of services, maximize benefits, build distinct
competitive advantage.
8. The action plan and specific goals.
8.1 Action plan.

On the basis plan was given, IT Department building project specific investment,
deployment time, number of employees and efficient software is expected to put into
operation as follows:
Exchange rate USD / VND (20.920/20.960)
The cost of buying software: $ 5,000,000 (Equivalent to 104.8 billion dong)
System

hardware

cost:

$

1,000,000

(Equivalent

to

20.96

billion

dong)

Implementation time is estimated at 12 months, with 10 months of software development
and system integration, testing 02 months.
The number of employees expected: 40.

System maintenance costs will average $ 250,000 / year. (Equivalent to 5.24 billion
dong).
The cost of staff salaries will average 12 million / person / month. (Equivalent to 5.76
billion billion / year).
Thu transaction fee: 3,300 VND / transactions including vat. No insider trading charge
After 12 months in operation, the number of people using the service and the expected
revenue is as follows:
The cost of buying software and hardware original Bank estimates are depreciated over
10 years. Equivalent to 12.576 billion VND / year.
The system includes the following modules:
1. Query Module account
2. Deposit Module
3. Module loan
4. Module internal payment
5. Interbank Payment Module
6. Module related products, is promotion.
7. Payment system is accessible website: VBSP online.com.vn
8.2 Detail revenue and profit each year as follows:


TABLE OF REVENUE AND PROFIT
Unit: VND
No
1

2

3

4

5
6
7
8

Target
The number of
users is
expected to
Net transaction
fees (excluding
10% VAT)
The number of
transactions per
year /
Total fees
collected
The average
annual cost
Average annual
profit
The annual
depreciation
Profit before
tax.

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

600,000

650,000

700,000

750,000

800,000

850,000

900,000

3,000

3,000

3,000

3,000

3,000

3,000

3,000

12

12

12

12

12

12

12

21,600,000,000

23,400,000,000

25,200,000,000

27,000,000,000

28,800,000,000

30,600,000,000

32,400,000,000

11,000,000,000

11,000,000,000

11,000,000,000

11,000,000,000

11,000,000,000

11,000,000,000

11,000,000,000

10,600,000,000

12,400,000,000

13,200,000,000

16,000,000,000

17,800,000,000

19,600,000,000

21,400,000,000

12,576,000,000

12,576,000,000

12,576,000,000

12,576,000,000

12,576,000,000

12,576,000,000

12,576,000,000

(1,976,000,000)

(176,000,000)

624,000,000

3,424,000,000

5,224,000,000

7,024,000,000

8,824,000,000

So that, after two years of planning went into operation, the business started with interest. So, when the number of service
users increased and the average number of transactions increases, the Bank can apply accelerated depreciation methods for early
withdrawal of funds to continue to study and implement investment other new products. With the effective application of
information technology with reasonable market penetration strategy and investment in the right direction will lead to success for
banks.


Conclusion:
The strong growth in banking, finance and now can not be separated IT
applications, it creates new breakthroughs in critical areas of the economy. The
development of information technology and its application in the banking sector has
brought thousands of products and services in the banking sector in developing countries.
However current research in Vietnam products, services application information
technology in the banking sector only stop at approximately one hundred so application
and development potential is enormous needs a large investment, research-oriented
options. And with the experience of the developed countries the application of
information technology in general and banks in particular electronic payment will bring
more success in the banking sector as well as bring more satisfaction customers and
communities contribute to greater success for the Bank.
Reference
1. Slide lecture Programs MBA courses in International Business Management
Information System of Dr. Nguyen Van Thoan
2. www.acb online.com.vn
3. www.vietinbank.com.vn
4. www.citibank.com.vn
5. www.vbsp.org.vn