{"id":5,"date":"2025-11-12T17:23:10","date_gmt":"2025-11-12T17:23:10","guid":{"rendered":"https:\/\/steerhub.growthrowstory.com\/?p=5"},"modified":"2025-11-12T17:23:10","modified_gmt":"2025-11-12T17:23:10","slug":"synctera-nen-tang-banking-as-a-service-dang-dinh-hinh-lai-tuong-lai-tai-chinh-nhung","status":"publish","type":"post","link":"https:\/\/steerhub.growthrowstory.com\/?p=5","title":{"rendered":"Synctera: N\u1ec1n T\u1ea3ng Banking-as-a-Service \u0110ang \u0110\u1ecbnh H\u00ecnh L\u1ea1i T\u01b0\u01a1ng Lai T\u00e0i Ch\u00ednh Nh\u00fang"},"content":{"rendered":"

S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a Banking-as-a-Service (BaaS)<\/strong> \u0111\u00e3 m\u1edf ra m\u1ed9t k\u1ef7 nguy\u00ean m\u1edbi cho ng\u00e0nh t\u00e0i ch\u00ednh, cho ph\u00e9p c\u00e1c c\u00f4ng ty kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng (Fintech, th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, v.v.) d\u1ec5 d\u00e0ng nh\u00fang c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0o s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd. Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, Synctera<\/strong> n\u1ed5i l\u00ean nh\u01b0 m\u1ed9t n\u1ec1n t\u1ea3ng ti\u00ean phong, kh\u00f4ng ch\u1ec9 cung c\u1ea5p c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 m\u00e0 c\u00f2n ki\u1ebfn t\u1ea1o m\u1ed9t m\u00f4 h\u00ecnh th\u1ecb tr\u01b0\u1eddng \u0111\u1ed9c \u0111\u00e1o, k\u1ebft n\u1ed1i hai th\u1ebf gi\u1edbi t\u01b0\u1edfng ch\u1eebng nh\u01b0 \u0111\u1ed1i l\u1eadp: c\u00e1c c\u00f4ng ty Fintech n\u0103ng \u0111\u1ed9ng v\u00e0 c\u00e1c ng\u00e2n h\u00e0ng c\u1ed9ng \u0111\u1ed3ng (Community Banks) truy\u1ec1n th\u1ed1ng.<\/p>\n

BaaS: Ch\u00eca Kh\u00f3a M\u1edf C\u00e1nh C\u1eeda T\u00e0i Ch\u00ednh Nh\u00fang<\/h2>\n

BaaS v\u1ec1 c\u01a1 b\u1ea3n l\u00e0 vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p cung c\u1ea5p c\u00e1c d\u1ecbch n\u0103ng t\u00e0i ch\u00ednh c\u1ed1t l\u00f5i c\u1ee7a h\u1ecd (nh\u01b0 t\u00e0i kho\u1ea3n, thanh to\u00e1n, cho vay) th\u00f4ng qua c\u00e1c giao di\u1ec7n l\u1eadp tr\u00ecnh \u1ee9ng d\u1ee5ng (API) cho b\u00ean th\u1ee9 ba. \u0110i\u1ec1u n\u00e0y gi\u00fap c\u00e1c c\u00f4ng ty Fintech c\u00f3 th\u1ec3 t\u1eadp trung v\u00e0o tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng v\u00e0 \u0111\u1ed5i m\u1edbi s\u1ea3n ph\u1ea9m m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i t\u1ef1 m\u00ecnh xin gi\u1ea5y ph\u00e9p ng\u00e2n h\u00e0ng ph\u1ee9c t\u1ea1p.<\/p>\n

Tuy nhi\u00ean, m\u00f4 h\u00ecnh BaaS truy\u1ec1n th\u1ed1ng th\u01b0\u1eddng g\u1eb7p ph\u1ea3i th\u00e1ch th\u00e1ch v\u1ec1 s\u1ef1 kh\u00f4ng t\u01b0\u01a1ng th\u00edch gi\u1eefa t\u1ed1c \u0111\u1ed9 \u0111\u1ed5i m\u1edbi c\u1ee7a Fintech v\u00e0 s\u1ef1 th\u1eadn tr\u1ecdng v\u1ec1 ph\u00e1p l\u00fd c\u1ee7a ng\u00e2n h\u00e0ng. Synctera gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y b\u1eb1ng c\u00e1ch x\u00e2y d\u1ef1ng m\u1ed9t th\u1ecb tr\u01b0\u1eddng hai m\u1eb7t (two-sided marketplace)<\/strong>.<\/p>\n

\"S\u01a1<\/p>\n

Synctera: Ki\u1ebfn T\u1ea1o S\u1ef1 H\u1ee3p T\u00e1c Ho\u00e0n H\u1ea3o<\/h2>\n

Synctera kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t nh\u00e0 cung c\u1ea5p API. H\u1ecd \u0111\u00f3ng vai tr\u00f2 l\u00e0 ng\u01b0\u1eddi mai m\u1ed1i v\u00e0 l\u00e0 l\u1edbp trung gian \u0111\u1ea3m b\u1ea3o s\u1ef1 tu\u00e2n th\u1ee7.<\/p>\n

\u0110\u1ed1i v\u1edbi Fintech<\/strong>, Synctera cung c\u1ea5p m\u1ed9t b\u1ed9 c\u00f4ng c\u1ee5 to\u00e0n di\u1ec7n, t\u1eeb c\u01a1 s\u1edf h\u1ea1 t\u1ea7ng API m\u00f4-\u0111un cho \u0111\u1ebfn c\u00e1c gi\u1ea3i ph\u00e1p tu\u00e2n th\u1ee7 ph\u00e1p l\u00fd (compliance) v\u00e0 ch\u1ed1ng r\u1eeda ti\u1ec1n (AML). \u0110i\u1ec1u n\u00e0y gi\u00fap r\u00fat ng\u1eafn \u0111\u00e1ng k\u1ec3 th\u1eddi gian \u0111\u01b0a s\u1ea3n ph\u1ea9m ra th\u1ecb tr\u01b0\u1eddng.<\/p>\n

\u0110\u1ed1i v\u1edbi Ng\u00e2n h\u00e0ng C\u1ed9ng \u0111\u1ed3ng<\/strong>, Synctera m\u1edf ra m\u1ed9t ngu\u1ed3n doanh thu m\u1edbi v\u00e0 c\u01a1 h\u1ed9i \u0111\u1ed5i m\u1edbi m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ea7u t\u01b0 l\u1edbn v\u00e0o c\u00f4ng ngh\u1ec7. N\u1ec1n t\u1ea3ng n\u00e0y gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng nh\u1ecf h\u01a1n, v\u1ed1n l\u00e0 x\u01b0\u01a1ng s\u1ed1ng c\u1ee7a h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh \u0111\u1ecba ph\u01b0\u01a1ng, c\u00f3 th\u1ec3 tham gia v\u00e0o cu\u1ed9c ch\u01a1i Fintech to\u00e0n c\u1ea7u.<\/p>\n

B\u1ea3ng so s\u00e1nh m\u00f4 h\u00ecnh BaaS truy\u1ec1n th\u1ed1ng v\u00e0 m\u00f4 h\u00ecnh Marketplace c\u1ee7a Synctera<\/strong><\/p>\n\n\n\n\n\n\n\n\n
\u0110\u1eb7c \u0111i\u1ec3m<\/th>\nM\u00f4 h\u00ecnh BaaS truy\u1ec1n th\u1ed1ng<\/th>\nM\u00f4 h\u00ecnh Marketplace c\u1ee7a Synctera<\/th>\n<\/tr>\n<\/thead>\n
M\u1ed1i quan h\u1ec7<\/strong><\/td>\nTh\u01b0\u1eddng l\u00e0 m\u1ed9t-m\u1ed9t, t\u00ecm ki\u1ebfm \u0111\u1ed1i t\u00e1c th\u1ee7 c\u00f4ng<\/td>\nNhi\u1ec1u-nhi\u1ec1u, th\u00f4ng qua n\u1ec1n t\u1ea3ng th\u1ecb tr\u01b0\u1eddng<\/td>\n<\/tr>\n
T\u1ed1c \u0111\u1ed9 tri\u1ec3n khai<\/strong><\/td>\nCh\u1eadm, do qu\u00e1 tr\u00ecnh th\u1ea9m \u0111\u1ecbnh (due diligence) k\u00e9o d\u00e0i<\/td>\nNhanh h\u01a1n, nh\u1edd c\u00e1c ti\u00eau chu\u1ea9n v\u00e0 API \u0111\u00e3 \u0111\u01b0\u1ee3c chu\u1ea9n h\u00f3a<\/td>\n<\/tr>\n
Tu\u00e2n th\u1ee7 (Compliance)<\/strong><\/td>\nFintech t\u1ef1 qu\u1ea3n l\u00fd ho\u1eb7c ph\u1ee5 thu\u1ed9c v\u00e0o ng\u00e2n h\u00e0ng<\/td>\n\u0110\u01b0\u1ee3c t\u00edch h\u1ee3p s\u1eb5n v\u00e0 t\u1eadp trung h\u00f3a tr\u00ean n\u1ec1n t\u1ea3ng<\/td>\n<\/tr>\n
Ph\u1ea1m vi \u0111\u1ed1i t\u00e1c<\/strong><\/td>\nGi\u1edbi h\u1ea1n \u1edf c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn ho\u1eb7c \u0111\u00e3 c\u00f3 kinh nghi\u1ec7m BaaS<\/td>\nM\u1edf r\u1ed9ng sang c\u00e1c Ng\u00e2n h\u00e0ng C\u1ed9ng \u0111\u1ed3ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u0110\u1ed5i M\u1edbi S\u1ea3n Ph\u1ea9m: T\u1eeb Th\u1ebb Th\u00f4ng Minh \u0111\u1ebfn T\u00edn D\u1ee5ng Nh\u00fang<\/h2>\n

Synctera kh\u00f4ng ng\u1eebng m\u1edf r\u1ed9ng danh m\u1ee5c s\u1ea3n ph\u1ea9m \u0111\u1ec3 h\u1ed7 tr\u1ee3 c\u00e1c nhu c\u1ea7u t\u00e0i ch\u00ednh nh\u00fang ng\u00e0y c\u00e0ng ph\u1ee9c t\u1ea1p.<\/p>\n

    \n
  1. Smart Card:<\/strong> \u0110\u00e2y l\u00e0 m\u1ed9t gi\u1ea3i ph\u00e1p th\u1ebb ghi n\u1ee3 b\u1ea3o \u0111\u1ea3m (secured charge card) ch\u1ea1y tr\u00ean h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng. \u0110i\u1ec3m \u0111\u1eb7c bi\u1ec7t l\u00e0 n\u00f3 cho ph\u00e9p c\u00e1c Fintech t\u1ed1i \u0111a h\u00f3a doanh thu t\u1eeb ph\u00ed giao d\u1ecbch (interchange revenue), m\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng \u0111\u1ec3 duy tr\u00ec t\u00ednh b\u1ec1n v\u1eefng c\u1ee7a m\u00f4 h\u00ecnh kinh doanh.<\/li>\n
  2. Line of Credit (LOC):<\/strong> Synctera \u0111\u00e3 ti\u00ean phong ra m\u1eaft s\u1ea3n ph\u1ea9m LOC trong ng\u00e0nh BaaS, cho ph\u00e9p c\u00e1c Fintech v\u00e0 c\u00e1c c\u00f4ng ty \u0111\u00e3 th\u00e0nh l\u1eadp nhanh ch\u00f3ng t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m cho vay s\u00e1ng t\u1ea1o ho\u1eb7c nh\u00fang t\u00ednh n\u0103ng t\u00edn d\u1ee5ng v\u00e0o \u1ee9ng d\u1ee5ng c\u1ee7a h\u1ecd. \u0110\u00e2y l\u00e0 m\u1ed9t b\u01b0\u1edbc ti\u1ebfn l\u1edbn, \u0111\u01b0a BaaS v\u01b0\u1ee3t ra kh\u1ecfi ph\u1ea1m vi t\u00e0i kho\u1ea3n v\u00e0 thanh to\u00e1n c\u01a1 b\u1ea3n.<\/li>\n<\/ol>\n

    \"Bi\u1ec3u<\/p>\n

    V\u1edbi t\u1ed5ng s\u1ed1 v\u1ed1n huy \u0111\u1ed9ng l\u00ean \u0111\u1ebfn 94 tri\u1ec7u USD v\u00e0 s\u1ef1 tin t\u01b0\u1edfng t\u1eeb c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 l\u1edbn, Synctera \u0111ang kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf l\u00e0 m\u1ed9t trong nh\u1eefng n\u1ec1n t\u1ea3ng BaaS quan tr\u1ecdng nh\u1ea5t. H\u1ecd kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 m\u1ed9t c\u00f4ng ty c\u00f4ng ngh\u1ec7, m\u00e0 c\u00f2n l\u00e0 m\u1ed9t ki\u1ebfn tr\u00fac s\u01b0 \u0111ang x\u00e2y d\u1ef1ng c\u00e2y c\u1ea7u v\u1eefng ch\u1eafc cho t\u01b0\u01a1ng lai c\u1ee7a t\u00e0i ch\u00ednh nh\u00fang, n\u01a1i m\u1ecdi c\u00f4ng ty \u0111\u1ec1u c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t c\u00f4ng ty t\u00e0i ch\u00ednh. S\u1ef1 t\u1eadp trung v\u00e0o vi\u1ec7c \u0111\u01a1n gi\u1ea3n h\u00f3a s\u1ef1 ph\u1ee9c t\u1ea1p c\u1ee7a BaaS v\u00e0 m\u1edf r\u1ed9ng c\u01a1 h\u1ed9i cho c\u00e1c ng\u00e2n h\u00e0ng c\u1ed9ng \u0111\u1ed3ng l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t gi\u00fap Synctera tr\u1edf th\u00e0nh m\u1ed9t c\u00e1i t\u00ean \u0111\u00e1ng ch\u00fa \u00fd trong h\u1ec7 sinh th\u00e1i kh\u1edfi nghi\u1ec7p v\u00e0 c\u00f4ng ngh\u1ec7 to\u00e0n c\u1ea7u.<\/p>","protected":false},"excerpt":{"rendered":"

    S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a Banking-as-a-Service (BaaS) \u0111\u00e3 m\u1edf ra m\u1ed9t k\u1ef7 nguy\u00ean m\u1edbi cho ng\u00e0nh t\u00e0i ch\u00ednh, cho ph\u00e9p c\u00e1c c\u00f4ng ty kh\u00f4ng ph\u1ea3i ng\u00e2n h\u00e0ng (Fintech, th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, v.v.) d\u1ec5 d\u00e0ng nh\u00fang c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0o s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd. Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, Synctera n\u1ed5i l\u00ean nh\u01b0 m\u1ed9t n\u1ec1n […]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/steerhub.growthrowstory.com\/index.php?rest_route=\/wp\/v2\/posts\/5","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/steerhub.growthrowstory.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/steerhub.growthrowstory.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/steerhub.growthrowstory.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/steerhub.growthrowstory.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5"}],"version-history":[{"count":0,"href":"https:\/\/steerhub.growthrowstory.com\/index.php?rest_route=\/wp\/v2\/posts\/5\/revisions"}],"wp:attachment":[{"href":"https:\/\/steerhub.growthrowstory.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/steerhub.growthrowstory.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/steerhub.growthrowstory.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}