Umetna inteligenca (AI), navidezna resničnost in razširjena resničnost (VR/AR), računalništvo v oblaku (cloud – computing) ... še naprej napovedujejo, da bodo v prihodnosti najpomembnejše svetovne tehnologije. 2024. V Vietnamu je MyVIB pionir digitalne banke za uporabo teh novih tehnologij za povečanje in optimizacijo uporabniške izkušnje.
Tehnologije, ki bodo še naprej prevladovale v letu 2024
Po mnenju Nash Tech je digitalna transformacija potovanje, ne cilj, in leto 2024 je še naprej obetavno poglavje, ki nadaljuje prelomne trende, ki smo jih videli leta 2023, hkrati pa označuje transformacijske inovacije, ki oblikujejo prihodnost našega dela, življenja in interakcije. z digitalno pokrajino.
Po ocenah uglednih tehnoloških spletnih mest se bo leta 2024 večina tehnoloških področij vrtela okoli umetne inteligence (AI), pri čemer sta izstopajoča trenda: uporabna umetna inteligenca (Applied AI) in generativna umetna inteligenca (Generative AI). Obenem se kot izjemne tehnologije še naprej napoveduje tudi povezljivost 5G, navidezna in obogatena resničnost (VR/AR), računalništvo v oblaku (cloud - computing)...
V bančnem sektorju banke in finančne institucije z uporabo napredne tehnologije, osredotočene na uporabnika, izboljšujejo zmogljivosti zagotavljanja storitev, poenostavljajo procese in ohranjajo konkurenčno prednost v današnjem hitro spreminjajočem se kontekstu. V svetu nasploh in še posebej v Vietnamu bančništvo velja za eno najbolj agilnih področij uporabe nove tehnologije. In digitalno bančništvo je produkt, katerega cilj je izpolniti pričakovanja strank za bolj priročno, prilagodljivo, sodobno in profesionalno bančno izkušnjo.
Pionirska digitalna banka, ki uporablja sodobno tehnologijo
Če pogledamo trg, vidimo, da se banke osredotočajo na vlaganje veliko sredstev v razvoj digitalnega bančništva. Poleg osredotočanja na razširitev funkcij, zagotavljanje stabilnosti in varnosti, banke uporabljajo tudi številne sodobne tehnologije za povečanje in optimizacijo uporabniške izkušnje. MyVIB je tipičen primer s številnimi novimi tehnologijami, ki se prvič uporabljajo v digitalnem bančništvu v Vietnamu, zlasti z izjemnimi tehnologijami:
Izvorno v oblaku: VIB je pionirska banka, ki integrira izvorno tehnologijo v oblaku v aplikacije za digitalno bančništvo v Vietnamu. Ta tehnologija omogoča gradnjo in delovanje aplikacij na platformi računalništva v oblaku, kar izboljšuje razširljivost, prilagodljivost in varnost aplikacij. Zahvaljujoč temu lahko MyVIB uporabnikom zagotovi hitro, priročno in varno izkušnjo digitalnega bančništva.
Katera digitalna banka je danes vodilna pri uporabi nove tehnologije? - Slika 1.
Razširjena resničnost (AR): VIB je prva banka, ki ponuja izkušnjo razširjene resničnosti (AR) v aplikaciji za digitalno bančništvo MyVIB za izboljšanje uporabniške izkušnje. S tehnologijo AR lahko uporabniki bolj priročno in nazorno dostopajo do bančnih informacij in storitev
Tehnologija AR ustvarja virtualne objekte, prekrite z resničnimi prizorišči, spreminja dolgočasne finančne transakcije v zanimive in ustvarja edinstveno izkušnjo za uporabnike. V načinu razširjene resničnosti na MyVIB lahko uporabniki izvajajo številna finančna opravila, kot so: upravljanje in zavarovanje kartic, lociranje, iskanje navodil do bankomatov/poslovalnic ali iskanje bližnjih ponudb samo s skeniranjem, kamero, kamero.
Umetna inteligenca (AI): Z MyVIB VIB prvič uporablja glasovno tehnologijo umetne inteligence, ki pomaga pretvoriti glas v besedilo (govor v besedilo) in obratno iz besedila v govor (besedilo v govor), uporabnikom pa pomaga pri preprostem poslovanju brez dotika . Za nakazilo na račun pri VIB, polnjenje storitev ali obvestilo o zaklepanju/odklepanju kartice morajo uporabniki le prebrati vzorčni ukaz in transakcija bo obdelana v manj kot 1 minuti.
Nedavno je aplikacija pravkar posodobila funkcijo glasovnega obveščanja, ki uporabnikom pomaga prejemati informacije o nihanju stanja, kartičnih transakcijah ali promocijskih informacijah, ne da bi se morali dotakniti telefona. Uporabniki lahko izberejo tudi severni ali južni glas, moški ali ženski glas in izberejo ustrezen časovni okvir.
Katera digitalna banka je danes vodilna pri uporabi nove tehnologije? - Slika 2.
Poleg zgornjih tehnologij si VIB vedno prizadeva biti pred tehnologijo z uporabo umetne inteligence, strojnega učenja in velikih podatkov za poglobljeno analizo profilov in potreb strank, s čimer zagotavlja rešitve in predloge, primernejše in specifične za vsakega posameznika. To se odraža v dejstvu, da bodo nove funkcije, promocije in ponudbe na MyVIB prilagojene vsaki stranki. Učinkovitost novega pristopa, ki temelji na umetni inteligenci, je bila dokazana s povečanjem ravni zadovoljstva strank in stopenj angažiranosti strank skozi čas.
S 100-odstotno rastjo števila transakcij prek digitalnega bančništva v obdobju od 2017 do 2023 in deležem digitalnih transakcij, ki predstavlja 94 % skupnega števila transakcij posameznih strank v letu 2023, je digitalno bančništvo še naprej pomemben kanal za stranke. vložil in bo VIB še naprej vlagal za močno rast v letu 2020
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Vietnam's stock market experienced a volatile trading week. The 21-point drop in the last session of the week blew away all previous efforts to get up, the VN-Index stopped at 1,247 points. Notably, the weekend session matching liquidity on HOSE set a record in 7 months, pulling the weekly average matching volume to VND 25,400 billion.
Screenshot 2024-03-10 at 15.40.07.png
With the index suddenly reversing and dropping points during the session along with the sudden increase in liquidity, experts agreed that the market had enough signs of a typical distribution session. The possibility that VN-Index has entered a short-term correction and the risk of falling below the support threshold of 1,200 points needs to be taken into account.
However, the market's uptrend in the medium and long term has not been broken and large cash flows are still moving in the stock channel. Therefore, this is still a good opportunity for investors with a long-term vision to accumulate stocks.
VN-Index entered a short-term correction period
Mr. Tran Truong Manh Hieu, Head of Analysis Department of KIS Vietnam Securities Company
The pressure for a strong adjustment in the market comes from many reasons (1) The pressure to take profits when the market has increased for 4 consecutive months while there has been no significant correction. (2) Exchange rates tend to increase and are near historical peaks, which puts considerable pressure on a number of fundamental factors. (3) Foreign investors have continuously been net sellers in recent times. In general, foreign investors have been net sellers in the last 10/12 months and if the net selling trend continues for a long time, it can create significant pressure on the entire market. (4) Capital flows are withdrawing from funds (funds investing in Vietnam, including active and passive funds (ETF). This capital flow has withdrawn strongly in the last 3 months. In addition, experts say that investor psychology Investment was also affected by some not very positive rumors.
Assessing the sudden liquidity level in the weekend session, experts said that according to technical analysis, a strong correction session with increased volume is a signal of a trend reversal. With the distribution rhythm that has taken place, the market may enter a technical correction in the short term.
However, Mr. Hieu also noted that short-term correction is a technical adjustment period and is not a reversal point for the medium and long-term trend. The index will not adjust much to accumulate at the new price base and then continue to increase in the rest of 2024. Therefore, it is likely that VN-Index will adjust to around 1,200 points, the probability of "puncturing" the threshold. This is very low.
With the view that the market will enter a correction period and then return to growth for the rest of the year, investors can take advantage of this adjustment period to accumulate stocks in their portfolio to seek profits.
Different groups of investors will act differently. For basic investors, this is an opportunity to accumulate more good stocks for medium and long-term positions. For short-term investors, they should reduce the proportion of stocks to the current safe threshold. Wait for the market to form a new price base and disburse again when signs of growth return.
The risk of "puncturing" the 1,200 point mark needs to be taken into account
Mr. Nguyen Anh Khoa - Head of Agriseco Securities Research and Analysis Department
In the context that the market has recorded a series of strong increases since the beginning of the year, there are many concerns about the complicated exchange rate developments and the continuous net selling of foreign and self-trading investors, which has had a negative impact. up the psychology of many investors. Besides, from a technical perspective, the fact that (1) VN-Index failed many times to conquer the important resistance level around 1,280 points and (2) RSI on the daily frame showed a negative divergence signal has caused the Sellers gradually became impatient and increased profit-taking pressure during the weekend session.
The index's sudden reversal and decrease in points during the session along with the sudden increase in liquidity showed signs of a typical distribution session. At the end of the session, VN-Index closed at the lowest level of the session and formed a Marubozu candlestick pattern, showing that the risk of extending the correction is still somewhat overwhelming. In the past 2 weeks, the index has had 5 distribution sessions and this is increasing the risk of trend reversal in the medium term.
Regarding exchange rate pressure, according to experts' observations in the past, strong increases in exchange rates often have negative effects on stock market developments. The USD/VND exchange rate is trading around the peak of 2023 and VND is currently depreciating by about 1.8% compared to USD since the beginning of the year (partly due to the need to import raw materials for production). recuperate). In the context of the stock market, represented by the VN-Index, which has increased more than 10% since the beginning of the year, the combination of exchange rate tensions can cause profit-taking pressure to increase significantly.
Although the risk of extending the short-term correction is still present, the support level near 1,230 (+-5) points, corresponding to MA20 on the daily frame, is expected to act as a notable support point. and the index will appear a technical recovery period
Ms. Ngoc Tam - a real estate broker in Hanoi - said that for the past two months, people have been continuously interested and asking to buy houses in the alley segment. One week, Ms. Tram brought nearly a dozen visitors to see the house. The broker with nearly 4 years of experience said that the amount of interest and transactions is concentrated in small houses of 30 - 45 m2, priced under 5 billion VND, located in alleys in Ha Dong, Hoang Mai, Hai Phong districts. Ba Trung, Dong Da... Newly built apartment, good price, location without planning problems or feng shui errors, ready to buy, almost always find buyers even though it's just for sale.
"Even though the transaction volume is less than half of when the market is vibrant, real estate in alleys in the central district still has many people asking, especially for products around 3-5 billion VND per house," Ms. Tam said.
A recent report from Batdongsan channel shows that while many real estate segments continue to decelerate, residential real estate in Hanoi continues to record growth. Selling prices and interest in this segment increased by 2 - 9% at the beginning of this year compared to the same period last year. Among them, private houses in Tay Ho district increased in price the most with 9%. Other districts such as Dong Da, Ha Dong, Hai Ba Trung, Hoang Mai also increased prices by 4-8%.
This channel's survey with residential real estate brokers also shows that the Hanoi private house segment from 3 to 5 billion VND is having the best transactions.
Explaining the above developments, Mr. Pham Duc Toan - founder of EZ Property - said that in the past, real estate in alleys was often the segment that real estate buyers considered considering new apartments. However, the sudden increase in apartment prices in both the primary and secondary markets recently has prompted a group of customers to turn to real estate. With the same budget, many buyers accept the inconveniences of houses in alleys with the mentality of "having both land and a larger total usable floor area".