T\u1ef7 l\u1ec7 thanh to\u00e1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a \u1ea4n \u0110\u1ed9 \u0111\u00e3 t\u0103ng trong nh\u1eefng n\u0103m qua, v\u1edbi Unified Payment Interface (UPI) t\u0103ng l\u00ean h\u01a1n 750 tri\u1ec7u giao d\u1ecbch h\u00e0ng ng\u00e0y. V\u1edbi m\u1ee5c ti\u00eau \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t t\u1ef7 giao d\u1ecbch h\u00e0ng ng\u00e0y, Dilip Asbe, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 CEO c\u1ee7a National Payments Corporation of India, ch\u1ecbu tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd UPI, tin r\u1eb1ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o s\u1ebd \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong giai \u0111o\u1ea1n ti\u1ebfp theo \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng ng\u01b0\u1eddi d\u00f9ng, ng\u0103n ch\u1eb7n gian l\u1eadn v\u00e0 ph\u00e2n ph\u1ed1i t\u00edn d\u1ee5ng.<\/p>\n

Trong m\u1ed9t cu\u1ed9c ph\u1ecfng v\u1ea5n v\u1edbi TechCrunch t\u1ea1i Mumbai Tech Week (MTW) n\u0103m 2026 h\u1ed3i th\u00e1ng tr\u01b0\u1edbc, Asbe cho bi\u1ebft tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u00f3 th\u1ec3 \u0111\u01b0a th\u00eam n\u1eeda t\u1ef7 ng\u01b0\u1eddi d\u00f9ng m\u1edbi v\u1edbi s\u1ef1 h\u1ee3p t\u00e1c gi\u1eefa NPCI – ng\u00e2n h\u00e0ng trung \u01b0\u01a1ng \u1ea4n \u0110\u1ed9 v\u00e0 ch\u00ednh ph\u1ee7.<\/p>\n

“AI s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng r\u1ea5t hi\u1ec7u qu\u1ea3 khi ch\u00fang ta xem x\u00e9t l\u00e0n s\u00f3ng UPI ti\u1ebfp theo, v\u00e0 \u0111i\u1ec1u \u0111\u00f3 bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c kh\u00eda c\u1ea1nh, bao g\u1ed3m c\u1ea3 vi\u1ec7c ti\u1ebfp c\u1eadn ng\u01b0\u1eddi d\u00f9ng m\u1edbi. Ch\u00fang ta ph\u1ea3i s\u1eed d\u1ee5ng AI m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 \u0111\u1ec3 b\u1ea3o v\u1ec7 c\u00f4ng d\u00e2n hi\u1ec7n t\u1ea1i c\u1ee7a m\u00ecnh, t\u00ecm ra gian l\u1eadn v\u00e0 mules. AI c\u0169ng ph\u1ea3i \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 cung c\u1ea5p t\u00edn d\u1ee5ng cho t\u1ea5t c\u1ea3 ng\u01b0\u1eddi d\u00f9ng v\u00e0 nh\u00e0 b\u00e1n h\u00e0ng c\u00f3 d\u1ea5u ch\u00e2n k\u1ef9 thu\u1eadt s\u1ed1”, \u00f4ng n\u00f3i. “Ch\u00fang ta ph\u1ea3i s\u1eed d\u1ee5ng AI \u0111\u1ec3 xem x\u00e9t gi\u1ecdng n\u00f3i v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p \u0111a ng\u00f4n ng\u1eef \u0111\u1ec3 \u0111\u01a1n gi\u1ea3n h\u00f3a qu\u00e1 tr\u00ecnh \u0111\u0103ng k\u00fd”.<\/p>\n

Nhi\u1ec1u c\u00f4ng ty \u0111\u00e3 n\u00f3i v\u1ec1 vi\u1ec7c giao di\u1ec7n b\u1eb1ng gi\u1ecdng n\u00f3i l\u00e0 quan tr\u1ecdng \u1edf \u1ea4n \u0110\u1ed9 \u0111\u1ec3 tr\u00f2 chuy\u1ec7n v\u1edbi c\u00e1c c\u00f4ng ty ho\u1eb7c h\u1ec7 th\u1ed1ng. Asbe tin r\u1eb1ng \u0111\u00f3 l\u00e0 nh\u1eefng ng\u00e0y \u0111\u1ea7u ti\u00ean cho \u0111i\u1ec1u n\u00e0y, v\u00ec m\u00f4 h\u00ecnh gi\u1ecdng n\u00f3i s\u1ebd c\u1ea7n ph\u1ea3i ch\u00ednh x\u00e1c h\u01a1n. NPCI \u0111\u00e3 ph\u00e1t h\u00e0nh m\u1ed9t h\u1ec7 th\u1ed1ng t\u01b0\u01a1ng t\u00e1c d\u1ef1a tr\u00ean tr\u1ee3 l\u00fd gi\u1ecdng n\u00f3i v\u00e0o n\u0103m 2023. Asbe l\u01b0u \u00fd r\u1eb1ng vi\u1ec7c \u00e1p d\u1ee5ng cho h\u1ec7 th\u1ed1ng n\u00e0y v\u1eabn ch\u01b0a b\u1eaft \u0111\u1ea7u v\u00e0 v\u1edbi tr\u01b0\u1eddng h\u1ee3p s\u1eed d\u1ee5ng \u0111\u00fang, gi\u1ecdng n\u00f3i c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n quan tr\u1ecdng trong h\u1ec7 sinh th\u00e1i thanh to\u00e1n.<\/p>\n

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o trong t\u00e0i ch\u00ednh v\u00e0 quy \u0111\u1ecbnh<\/h2>\n
C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p v\u00e0 c\u00f4ng ty ni\u00eam y\u1ebft \u0111ang \u0111ua nhau t\u00edch h\u1ee3p tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) v\u00e0o l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh t\u1ea1i M\u1ef9. Coinbase v\u00e0 Robinhood hi\u1ec7n cho ph\u00e9p c\u00e1c \u0111\u1ea1i l\u00fd giao d\u1ecbch thay m\u1eb7t ng\u01b0\u1eddi d\u00f9ng, trong khi OpenAI cho ph\u00e9p t\u1ea3i d\u1eef li\u1ec7u t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n v\u00e0o ChatGPT \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c l\u1eddi khuy\u00ean v\u1ec1 t\u00e0i ch\u00ednh. NPCI \u0111\u00e3 tr\u00ecnh di\u1ec5n m\u1ed9t s\u1ed1 demo xung quanh th\u01b0\u01a1ng m\u1ea1i v\u00e0 thanh to\u00e1n agentic v\u1edbi Razorpay v\u00e0o n\u0103m ngo\u00e1i. Tuy nhi\u00ean, v\u1eabn ch\u01b0a c\u00f3 tri\u1ec3n khai r\u1ed9ng r\u00e3i h\u01a1n \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 kh\u1ea3 n\u0103ng n\u00e0y.<\/p>\n
Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a NPCI cho r\u1eb1ng v\u1edbi c\u00e1c quy \u0111\u1ecbnh m\u1ea1nh m\u1ebd v\u00e0 khung kh\u1ed5 r\u00f5 r\u00e0ng, \u1ea4n \u0110\u1ed9 c\u0169ng c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o. \u00d4ng n\u00f3i r\u1eb1ng c\u1ea7n ph\u1ea3i c\u00f3 \u0111\u1ee7 b\u1ea3o v\u1ec7 cho ng\u01b0\u1eddi d\u00f9ng v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro – v\u00e0 trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra sai s\u00f3t, h\u1ec7 th\u1ed1ng n\u00ean c\u00f3 th\u1ec3 xem x\u00e9t l\u1ea1i c\u00e1c h\u01b0\u1edbng d\u1eabn v\u00e0 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a ng\u01b0\u1eddi d\u00f9ng \u0111\u00e3 cung c\u1ea5p cho m\u1ed9t \u0111\u1ea1i di\u1ec7n.<\/p>\n
Ngo\u00e0i vi\u1ec7c s\u1eed d\u1ee5ng m\u00f4 h\u00ecnh, Asbe tin r\u1eb1ng h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh \u1ea4n \u0110\u1ed9 c\u00f3 c\u01a1 h\u1ed9i x\u00e2y d\u1ef1ng c\u00e1c m\u00f4 h\u00ecnh ng\u00f4n ng\u1eef nh\u1ecf.<\/p>\n
<\/figure>\n
“Ch\u00fang t\u00f4i tin r\u1eb1ng c\u00e1c m\u00f4 h\u00ecnh s\u1ebd kh\u00e1c nhau d\u1ef1a tr\u00ean b\u1ed9 d\u1eef li\u1ec7u \u0111\u01b0\u1ee3c cung c\u1ea5p cho ch\u00fang”, \u00f4ng n\u00f3i. “Ch\u00fang t\u00f4i c\u00f3 m\u1ed9t b\u1ed9 d\u1eef li\u1ec7u phong ph\u00fa trong h\u1ec7 sinh th\u00e1i c\u1ee7a m\u00ecnh. T\u00f4i ngh\u0129 c\u00f3 c\u01a1 h\u1ed9i l\u1edbn cho c\u00e1c c\u00f4ng ty \u1ea4n \u0110\u1ed9 – ng\u00e2n h\u00e0ng, FinTech v\u00e0 h\u1ec7 sinh th\u00e1i – \u0111\u1ec3 t\u1ea1o ra c\u00e1c m\u00f4 h\u00ecnh ng\u00f4n ng\u1eef nh\u1ecf nh\u01b0ng s\u1eafc n\u00e9t, c\u1ee5 th\u1ec3 v\u00e0 c\u00e0ng t\u1ed1i \u01b0u c\u00e0ng t\u1ed1t.”<\/p>\n
NPCI \u0111\u00e3 ra m\u1eaft m\u1ed9t m\u00f4 h\u00ecnh \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 FIMI v\u00e0o n\u0103m ngo\u00e1i \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p c\u1ee7a ng\u01b0\u1eddi d\u00f9ng. Asbe l\u01b0u \u00fd r\u1eb1ng n\u00f3 \u0111ang ph\u1ee5c v\u1ee5 h\u01a1n m\u1ed9t tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng \u0111\u1ec3 h\u1ee7y b\u1ecf \u1ee7y quy\u1ec1n v\u00e0 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 v\u00e0 \u0111ang m\u1edf r\u1ed9ng nhanh ch\u00f3ng.<\/p>\n
S\u1ef1 ki\u1ec7n UPI (Unified Payments Interface)<\/h2>\n
NPCI \u0111\u00e3 l\u00e2u nay lu\u00f4n mong mu\u1ed1n c\u00f3 s\u1ef1 c\u1ea1nh tranh l\u00e0nh m\u1ea1nh gi\u1eefa c\u00e1c \u1ee9ng d\u1ee5ng UPI, nh\u01b0ng d\u1eef li\u1ec7u cho th\u1ea5y r\u1eb1ng \u1ee9ng d\u1ee5ng PhonePe thu\u1ed9c s\u1edf h\u1eefu c\u1ee7a Walmart v\u00e0 Google Pay \u0111\u00e3 chi\u1ebfm h\u01a1n 80% th\u1ecb tr\u01b0\u1eddng. K\u1ebf ho\u1ea1ch c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd nh\u1eb1m gi\u1edbi h\u1ea1n m\u1ee9c th\u1ecb ph\u1ea7n c\u1ee7a m\u1ed9t \u1ee9ng d\u1ee5ng t\u1ea1i 30% s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0o ng\u00e0y 31\/12\/2026, tr\u1eeb khi h\u1ecd ho\u00e3n l\u1ea1i th\u1eddi gian n\u00e0y l\u1ea7n n\u1eefa.<\/p>\n
Trong cu\u1ed9c tr\u00f2 chuy\u1ec7n, Asbe n\u00f3i r\u1eb1ng c\u00e1c \u1ee9ng d\u1ee5ng UPI c\u00f3 chi ph\u00ed chuy\u1ec3n \u0111\u1ed5i r\u1ea5t th\u1ea5p v\u00e0 h\u1ea7u h\u1ebft c\u00e1c t\u00ednh n\u0103ng ch\u00ednh \u0111\u1ec1u \u0111\u01b0\u1ee3c chia s\u1ebb. Anh l\u01b0u \u00fd r\u1eb1ng PhonePe v\u00e0 Google \u0111\u00e3 \u0111\u1ea7u t\u01b0 h\u00e0ng tri\u1ec7u v\u00e0o c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a m\u00ecnh \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c v\u1ecb tr\u00ed th\u1ecb tr\u01b0\u1eddng c\u1ee7a h\u1ecd. \u00d4ng n\u00f3i r\u1eb1ng n\u1ebfu c\u00e1c \u1ee9ng d\u1ee5ng m\u1edbi t\u00ecm th\u1ea5y c\u00e1c m\u00f4 h\u00ecnh kinh doanh c\u00f3 kh\u1ea3 n\u0103ng sinh l\u1ee3i trong h\u1ec7 sinh th\u00e1i fintech, th\u00ec th\u1ecb ph\u1ea7n c\u1ee7a ch\u00fang s\u1ebd t\u0103ng l\u00ean.<\/p>\n
T\u00f4i tin r\u1eb1ng c\u00f3 nhi\u1ec1u v\u1ea5n \u0111\u1ec1 khi\u1ebfn ch\u00fang ta th\u1ea5y r\u1ee7i ro t\u1eadp trung t\u1ed3n t\u1ea1i, v\u00e0 m\u1ed9t trong nh\u1eefng l\u00fd do quan tr\u1ecdng l\u00e0 s\u1ef1 s\u1eb5n c\u00f3 c\u1ee7a m\u00f4 h\u00ecnh th\u01b0\u01a1ng m\u1ea1i kh\u1ea3 thi. L\u00fac n\u00e0o ch\u00fang ta th\u1ea5y m\u00f4 h\u00ecnh th\u01b0\u01a1ng m\u1ea1i kh\u1ea3 thi \u0111\u01b0\u1ee3c cung c\u1ea5p cho h\u1ec7 sinh th\u00e1i, t\u00f4i tin r\u1eb1ng c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1edbi s\u1ebd b\u1eaft \u0111\u1ea7u \u0111\u1ea7u t\u01b0 r\u1ea5t m\u1ea1nh m\u1ebd.<\/p>\n
N\u0103m 2024, \u0111\u01a1n v\u1ecb thanh to\u00e1n t\u00e1ch ra \u1ee9ng d\u1ee5ng BHIM UPI c\u1ee7a m\u00ecnh \u0111\u1ec3 l\u00e0m cho n\u00f3 tr\u1edf n\u00ean c\u1ea1nh tranh h\u01a1n v\u00e0 t\u0103ng c\u01b0\u1eddng s\u1eed d\u1ee5ng. M\u1eb7c d\u00f9 l\u01b0\u1ee3ng giao d\u1ecbch c\u1ee7a n\u00f3 \u0111\u00e3 t\u0103ng l\u00ean, nh\u01b0ng th\u1ecb ph\u1ea7n chung c\u1ee7a n\u00f3 kho\u1ea3ng 1%. Asbe n\u00f3i r\u1eb1ng v\u1edbi BHIM, kh\u00f4ng c\u00f3 th\u1ecb tr\u01b0\u1eddng m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 n\u00e0o m\u00e0 NPCI \u0111ang h\u01b0\u1edbng t\u1edbi. Nh\u01b0ng h\u1ecd mu\u1ed1n bi\u1ebfn n\u00f3 th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn ch\u1ee7 quy\u1ec1n v\u00e0 an to\u00e0n thay th\u1ebf cho c\u00e1c \u1ee9ng d\u1ee5ng kh\u00e1c, Asbe n\u00f3i.<\/p>\n
\u1ea4n \u0110\u1ed9 l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ec1n kinh t\u1ebf s\u1ed1 l\u1edbn nh\u1ea5t th\u1ebf gi\u1edbi v\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 tr\u00ean to\u00e0n c\u1ea7u s\u1ebd xem x\u00e9t \u0111i\u1ec1u ki\u1ec7n ph\u00e1p l\u00fd \u0111\u1ec3 \u0111\u1ed5 ti\u1ec1n v\u00e0o c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh c\u00f4ng ngh\u1ec7 m\u1edbi v\u00e0 l\u00e0m cho th\u1ecb tr\u01b0\u1eddng tr\u1edf n\u00ean c\u1ea1nh tranh h\u01a1n.<\/p>\n<\/div>\n<\/div>\n
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Ngu\u1ed3n: Techcrunch<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u1ef7 l\u1ec7 thanh to\u00e1n k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a \u1ea4n \u0110\u1ed9 \u0111\u00e3 t\u0103ng trong nh\u1eefng n\u0103m qua, v\u1edbi Unified Payment Interface (UPI) t\u0103ng l\u00ean h\u01a1n 750 tri\u1ec7u giao d\u1ecbch h\u00e0ng ng\u00e0y. V\u1edbi m\u1ee5c ti\u00eau \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t t\u1ef7 giao d\u1ecbch h\u00e0ng ng\u00e0y, Dilip Asbe, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 CEO c\u1ee7a National Payments Corporation of India, […]<\/p>\n","protected":false},"author":1,"featured_media":12636,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[507,16],"tags":[],"class_list":["post-12637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cong-nghe","category-tin-tuc"],"_links":{"self":[{"href":"https:\/\/tct.vn\/blog\/wp-json\/wp\/v2\/posts\/12637","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tct.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tct.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tct.vn\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tct.vn\/blog\/wp-json\/wp\/v2\/comments?post=12637"}],"version-history":[{"count":0,"href":"https:\/\/tct.vn\/blog\/wp-json\/wp\/v2\/posts\/12637\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tct.vn\/blog\/wp-json\/wp\/v2\/media\/12636"}],"wp:attachment":[{"href":"https:\/\/tct.vn\/blog\/wp-json\/wp\/v2\/media?parent=12637"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tct.vn\/blog\/wp-json\/wp\/v2\/categories?post=12637"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tct.vn\/blog\/wp-json\/wp\/v2\/tags?post=12637"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}