Ứng dụng Công nghệ thông tin và Thương mại điện tử nhằm nâng cao hiệu quả Sản xuất Kinh doanh và Quản lý tại Ngân hàng - Content: Planning to apply enhanced overall Information Technolog
Trang 1Ứng dụng Công nghệ thông tin và Thương mại điện tử nhằm nâng cao hiệu quả Sản xuất Kinh doanh và Quản lý tại Ngân hàng
- Content: Planning to apply enhanced overall Information Technology and Electronic
Commerce to improve production/business efficiency and Management efficiency at Bank for Investment and Development of Vietnam (BIDV)
Table of Contents
Table of Contents 1
Introduce 2
1 Introduction the Firm 2
2 Status of applied information technology in BIDV 3
2.1 Awareness 3
2.2 On the basis of the information technology infrastructure 3
2.3 Human resources 4
2.4 Regarding the solutions and program applications: 4
3 Business environment and competitiveness climate 5
3.1 Business Environment 5
3.2 Competitiveness 6
3.3 SWOT analysis 8
4 An experience from other banks application 9
5 BIDV business strategy 10
5.1 Business Strategy 10
5.2 Strategy for ICT and e-commerce applications 10
6 The application IT solutions in the banking sector 11
7.1 Application ERP program for internal governance 11
7.2 Upgrade and deploy the applications and support for ERP systems 12
7.3 Upgrading the e-commerce applications 12
7.4 Synchronizing data 13
8 Implementation plan 13
8.1 Human resources 13
8.2 Step and timeline to implementation 13
8.3 The Budget 14
Summury 15
Reference 16
Trang 2In the fiercely competitive business environment now, especially in the finance and banking field, applied information technology in business management and business operations are increasingly important role To meet the requirements of business development, improve manage and business efficiency in a new stage in strategic business which leaders have proposed, we formed the group "Master Plan for enhanced application the Information Technology and Electronic Commerce to improve production/business efficiency Management efficiency" The contents of the plan are outlined below
1 Introduction the Firm
Bank for Investment and Development of Vietnam (BIDV) was established on Apr 26, 1957 and is the oldest commercial bank in Vietnam In 2011, BIDV is successful
in IPO, become joint stock commercial banks and become one of three largest commercial banks in Vietnam based on total assets, with 500 branchs in network systems, ATM / POS system throughout the nation, the total employee’s number over 16,000 people
- Full Name: Bank for Investment and Development of Vietnam (BIDV)
- Address: BIDV Tower, 35 Hang Voi, Hoan Kiem District, Ha Noi
- Phone: 04.2220.5544 Fax: 04 2220.0399
- Website: http://www.bidv.com.vn Email: Info@bidv.com.vn
- Business scope: currently, BIDV work on 4 main business field: banking, insurance, securities and financial investments
- Customers: with products and service system which diversified to meet most of the demand and the type of transaction in financing and banking activities, BIDV is serving three primary customer groups:
Trang 3+ Business customers: have the largest enterprise customers in the credit institutions system in Vietnam, including large corporations, group, small and medium enterprises
+ Individual customers: individual clients include individuals and families customer, with the number is more than 3 million customers
+ Financial institutions and other organizations: BIDV serving institutions such as World Bank, ADB, JBIC, NIB , the non business in national organizations such as: Treasury, General Taxation Department, General Customs, Social Security
- Application of information technology: always apply innovation technology
2 Status of applied information technology in BIDV
BIDV always more interested in the application of information technology to serve the executive management and development advanced banking services BIDV has made certain achievements, is the recognition of the credit institutions system and information technology organizations, example: Continuous from 2007 to present, BIDV keep the leading position in Vietnam ICT Index and represents top 10 of CIO in Indo-China region 2009 and Southeast Asia in 2010 Specifically, the status of information technology BIDV as follows:
2.1 Awareness
BIDV Leadership always interested and close guidance in the application of IT operations in business management, making IT applications deployed extensive and uniform to each branch, the network and the employees
2.2 On the basis of the information technology infrastructure
BIDV has built data center, equipped AS400 server systems, storage systems, communication networks Computer systems and equipment technologies related to business operations are fully equipped Especially, BIDV has developed redundant data center to ensure maximum safety security data and ensure operation system continuous The current IT infrastructure is considered uniform, and adequate to meet the expanding demand of applications in the next stage
The rules, procedures and guidance related to IT such as operating procedures IT equipment, mining regulations, data used, privacy policies, regulations and practice
Trang 4guidelines ensure the safety of information…was been issued, guidec to the implementation of all relevant staff by BIDV
2.3 Human resources
+ Information technology human resources: Information Technology team is organized from the head office to the branch member At the Head Office which is Technology Department and Information Technology Center, main task is management, strategy, planning, development and application of IT solutions, organizations deploying
IT applications across systems At the each branch member was had the Chamber, the computing team with executive functions, and coordinate the implementation of the proposed office
+ The using object: all bank staff are trained to ensure better exploitation of the bank application, and proficient use of computer office programs, email, internet
2.4 Regarding the solutions and program applications:
BIDV applied centralized application systems and distributed programs, in particular:
- System applications for banking services:
+ Silverlake’s Core Banking System Silverlake: its sibs the module includes banking service as cash, credit, deposits, trade finance, customer information, accountance ledgers service
+ Authentication customer information online system: authentication seals, signatures and authority of information on the intranet clients
+ Electronic payment systems: direct connection with central bank, the domestic credit institutions and international financial institutions, trading card issuance card system
- The internal program management and operational software service: The internal credit ratings, internal accounting, human resource management, asset management, business metrics reporting and internal management, internal document management, classification and evaluation of effective customer…
- BIDV Internal portal: activities base on intranet, BIDV Internal portal is support
to internal communications service, integrating a number of transactions over a network function for staff, providing information, internal references
Trang 5- E - commerce application: currently, two ecommerce applications systems which is typical of the banking system and Internet Banking Mobile Banking
+ Mobile banking system: providing money transfer, bill payment, information retrieval products service and other services as well as customer transactions, sales of products raise capital, issue debit cards, guidance and support clients through mobile phone using the mobile service network as Viettel Mobile, Mobiphone, Vinaphone
- Internet Banking System which was integrated in the Bank's Web site at http://www.bidv.com.vn BIDV Online Application provides the following services: bill payment, money transfer (internal, inter-bank), card issuing, investment term deposits, accounts information, contact feedback, support customer support …
3 Business environment and competitiveness climate.
3.1 Business Environment.
With a market size of 88 million people, 30% of the population live in urban areas, and about 132 billion GDP, the system of credit institutions in Vietnam is now considered to be developed very quickly, more than necessary, including 101 state-owned commercial banks, joint stock, joint venture banks, foreign banks, branches of foreign banks (excluding banks policy, development banks, finance companies and credit funds) The level of competition in banking is increasingly fierce, as most banks are pretty orientation activities overlap, (except for a small number of foreign banks, mainly driven activities is service major national customers), products or services similar banking, mining the same market segment For example, the largest private bank, has good brand as BIDV, Vietinbank, ACB, Techcombank are long-term oriented development into retail banking, customers are individuals and households
The development level of the banking network much faster than the development speed of the banking market has led to the bank's resources to compete for market share each other's shock and the opening markets are not paying careful attention In this process, the advantages currently belongs to the largest commercial bank which has a thickness of operation, extensive network, young human resources, enthusiastic and professional firm, and especially capable administrator good risk, application information technology’s capacity and level in operations and business management or specialized
Trang 63.2 Competitiveness
There are many factors made the banks overall competitiveness as financial capacity, human resources, network, product portfolio, technology capabilities One of the core elements which make up banks’ competitiveness in each new stage is now able
to apply and implement the information technology on operations management, business and E - commerce applications At the individual business operations, the ability to apply technology to create competitiveness in some typical services such as Internet banking, mobile banking, the bank website (the ability to reach customers, advertising marketing, selling products over the internet…)
Some specific comparison of BIDV with competitors as below:
- Mobile banking services and features provided
Supply Service Deposit
account inquiry
Loan account inquiry
Inquiry credit card information
Internal system tranfer
Outsite system tranfer
Paymen
t
Security Mode
- Internet banking service and features provied
Supply Service Money
transfer (internal
or outside one bank system)
Recurring payment
Online Inquiry
Credit rate and Exchange rate
Payment Account
investement
Security Mode
Token
- About website:
Picture 1 –BIDV Website
Trang 7Picture 2 - Vietcombank Website
Picture 3 - Techcombank Website
Trang 8Above website has nice friendly interface with features similar function as: to provide information, referral, advertising products, services and integrated online banking functions help customers and transactions selling bank products and services through its channel…
Through some above comparison, we can see their competitiveness through the application among the banks is relatively isolated
3.3 SWOT analysis
- Having a strong brand and reputation in
domestically and internationally
- There are high-quality human resources
with experience and enthusiasm
- Having information technology systems
at the modern system of advanced
applications Ability to control and IT
applications
- Ability to product design innovative
banking services, the highly competitive
nature
- Having experience in implementing
E-commerce activities are driven and
developed E-commerce
- Internal mechanism of decision making and implementation policy decisions on information technology and applications for e-commerce has not flexible and fast
- The system of internal management information has not been finalized Applicability and exploitation of information technology is not deep
- No exploiting the brand strength, the ability to expand the potential customer base is not commensurate with the resources available to customers, willing participate ability in e-commerce is not good
- Risk management ability did not meet
Trang 9the maximum safety requirements in the electronic commerce activities
- The potential market for banking
operations is huge The demand for
banking products is increasing and
diverse
- More and more customers are aware of
the knowledge and use of banking
services, especially for new products and
services based on high-tech
- Government policies to support the
application and development of
information technology, e-commerce
activities
- Intense competition from domestic and international rivals
- Ask about the quality of customer service are higher
- Status fraud in banking is growing in popularity Many risk factors arise, especially in new activities such as electronic banking
- Require risk management, safety and information security requirements in electronic commerce increasing
4 An experience from other banks application.
- Techcombank is early bank which applicate internet banking services From
2007 Techcombank has deployed the product online transactions such as investment term deposits, cash and bring greater utility to customers, especially young customers, technological knowledge As a result Techcombank has attracted large number of individual customers, small business from other banks such as Agribank, Trade and Industry
- A number of foreign banks also represents the ability to apply information technology in operation Mizuho Bank (Japan) is the bank since into Vietnam has applicated online transactions, thereby, they offer products and banking services to
Trang 10remote customers with low cost, high quality, virtually eliminate geographical distance, and savings customers cost For example: Mizuho Bank in Hanoi, but most serve businesses firm at Nomura Industrial Zone in Hai Phong, the local and venture banks in Hai Phong present no competitive advantage despite has operation area
Thus, we can see, IT applications and e-commerce in the right direction in business operations can bring huge competitive advantage for the bank
5 BIDV business strategy
5.1 Business Strategy
BIDV identify strategic vision award 2020 is maintain its position as one of the three largest and efficiency banks in Vietnam in all aspects: the entire network of provincial, city; the customer, performance, portfolio and product quality, service, innovation ability, the application of information technology and e-commerce
The priority objectives:
- Restructuring operations and improve business performance of banks, subsidiaries, associated companies To maintain and develop its position, the impact on the Bank's financial markets
- Development of retail banking activities, which holds the No 2 market share in the market of credit debt, raise capital and retail services
- Enhance the capacity to exploit technological applications in business operations, increase efficiency, labor productivity
The solution strategy:
Implementation of package solutions which have been specifically approved by the leadership of the components: credit, capital raising, investment, capital and currency trading, risk management and monitoring compliance, development of retail banking, wholesale banking development, brand and network development, organization and personnel, information technology applications and e-commerce
5.2 Strategy for ICT and e-commerce applications
Base on the basis of the business strategy BIDV, the application of information technology and electronic commerce is one of the core content, are the basis for system BIDV perform the intended target Two great strategy content as follows:
- Research and apply ERP system model for internal governance which openness
to ensure the ability to connect and exchange data with the core - banking system, the e-commerce systems such as mobile banking, internet banking, card systems, systems