{"id":3630,"date":"2026-03-10T21:30:37","date_gmt":"2026-03-10T14:30:37","guid":{"rendered":"https:\/\/sepay.vn\/blog\/?p=3630"},"modified":"2026-03-10T21:32:48","modified_gmt":"2026-03-10T14:32:48","slug":"open-banking-la-gi","status":"publish","type":"post","link":"https:\/\/sepay.vn\/blog\/open-banking-la-gi\/","title":{"rendered":"Open Banking l\u00e0 g\u00ec? \u1ee8ng d\u1ee5ng Open Banking t\u1ea1i Vi\u1ec7t Nam"},"content":{"rendered":"

Open Banking l\u00e0 m\u00f4 h\u00ecnh cho ph\u00e9p c\u00e1c b\u00ean th\u1ee9 ba truy c\u1eadp d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi d\u00f9ng th\u00f4ng qua API, v\u1edbi s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a ch\u00ednh ng\u01b0\u1eddi d\u00f9ng \u0111\u00f3. Thay v\u00ec m\u1ecdi th\u1ee9 ch\u1ec9 n\u1eb1m trong h\u1ec7 th\u1ed1ng \u0111\u00f3ng c\u1ee7a ng\u00e2n h\u00e0ng, open banking m\u1edf ra kh\u1ea3 n\u0103ng k\u1ebft n\u1ed1i, chia s\u1ebb d\u1eef li\u1ec7u t\u00e0i ch\u00ednh gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 b\u00ean ngo\u00e0i.<\/p>\n

Nghe c\u00f3 v\u1ebb k\u1ef9 thu\u1eadt, nh\u01b0ng th\u1ef1c t\u1ebf b\u1ea1n c\u00f3 th\u1ec3 \u0111\u00e3 d\u00f9ng open banking m\u00e0 kh\u00f4ng bi\u1ebft. Khi m\u1ed9t app t\u00e0i ch\u00ednh t\u1ef1 \u0111\u1ed9ng \u0111\u1ecdc \u0111\u01b0\u1ee3c giao d\u1ecbch ng\u00e2n h\u00e0ng c\u1ee7a b\u1ea1n, hay khi website b\u00e1n h\u00e0ng t\u1ef1 x\u00e1c nh\u1eadn thanh to\u00e1n chuy\u1ec3n kho\u1ea3n m\u00e0 kh\u00f4ng c\u1ea7n ai ki\u1ec3m tra th\u1ee7 c\u00f4ng, \u0111\u00f3 ch\u00ednh l\u00e0 open banking \u0111ang ho\u1ea1t \u0111\u1ed9ng.<\/em><\/p>\n

T\u1ea1i sao open banking ra \u0111\u1eddi?<\/h2>\n

Tr\u01b0\u1edbc \u0111\u00e2y, d\u1eef li\u1ec7u t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n b\u1ecb kh\u00f3a trong h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng. Mu\u1ed1n bi\u1ebft ai \u0111\u00e3 chuy\u1ec3n ti\u1ec1n cho m\u00ecnh, k\u1ebf to\u00e1n ph\u1ea3i v\u00e0o internet banking ki\u1ec3m tra t\u1eebng giao d\u1ecbch. Mu\u1ed1n t\u00edch h\u1ee3p thanh to\u00e1n v\u00e0o website, doanh nghi\u1ec7p ph\u1ea3i k\u00fd h\u1ee3p \u0111\u1ed3ng tr\u1ef1c ti\u1ebfp v\u1edbi ng\u00e2n h\u00e0ng, m\u1ea5t h\u00e0ng tu\u1ea7n \u0111\u1ebfn h\u00e0ng th\u00e1ng.<\/p>\n

V\u1ea5n \u0111\u1ec1 l\u1edbn h\u01a1n l\u00e0 m\u1ed7i ng\u00e2n h\u00e0ng c\u00f3 h\u1ec7 th\u1ed1ng ri\u00eang, giao di\u1ec7n ri\u00eang, API ri\u00eang (n\u1ebfu c\u00f3). Doanh nghi\u1ec7p mu\u1ed1n l\u00e0m vi\u1ec7c v\u1edbi 5 ng\u00e2n h\u00e0ng th\u00ec ph\u1ea3i t\u00edch h\u1ee3p 5 h\u1ec7 th\u1ed1ng kh\u00e1c nhau.<\/p>\n

Open banking gi\u1ea3i quy\u1ebft chuy\u1ec7n n\u00e0y b\u1eb1ng c\u00e1ch t\u1ea1o ra m\u1ed9t l\u1edbp trung gian chu\u1ea9n h\u00f3a. Ng\u00e2n h\u00e0ng m\u1edf API theo ti\u00eau chu\u1ea9n chung, c\u00e1c b\u00ean th\u1ee9 ba (fintech, doanh nghi\u1ec7p, developer) k\u1ebft n\u1ed1i qua API \u0111\u00f3 \u0111\u1ec3 \u0111\u1ecdc d\u1eef li\u1ec7u giao d\u1ecbch, x\u00e1c nh\u1eadn thanh to\u00e1n, qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n. T\u1ea5t c\u1ea3 \u0111\u1ec1u t\u1ef1 \u0111\u1ed9ng v\u00e0 realtime.<\/p>\n

Open Banking ho\u1ea1t \u0111\u1ed9ng th\u1ebf n\u00e0o?<\/h2>\n

V\u1ec1 c\u01a1 b\u1ea3n, lu\u1ed3ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a open banking g\u1ed3m 3 b\u01b0\u1edbc:<\/p>\n

B\u01b0\u1edbc 1: Ng\u01b0\u1eddi d\u00f9ng cho ph\u00e9p truy c\u1eadp.<\/strong> B\u1ea1n \u0111\u1ed3ng \u00fd cho m\u1ed9t \u1ee9ng d\u1ee5ng (v\u00ed d\u1ee5 SePay) k\u1ebft n\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a b\u1ea1n. Qu\u00e1 tr\u00ecnh n\u00e0y th\u01b0\u1eddng th\u00f4ng qua OTP ho\u1eb7c x\u00e1c th\u1ef1c t\u1eeb app ng\u00e2n h\u00e0ng.<\/p>\n

B\u01b0\u1edbc 2: Ng\u00e2n h\u00e0ng chia s\u1ebb d\u1eef li\u1ec7u qua API.<\/strong> Sau khi \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n, ng\u00e2n h\u00e0ng s\u1ebd g\u1eedi d\u1eef li\u1ec7u giao d\u1ecbch (ti\u1ec1n v\u00e0o, ti\u1ec1n ra, s\u1ed1 d\u01b0) t\u1edbi \u1ee9ng d\u1ee5ng th\u00f4ng qua API. D\u1eef li\u1ec7u \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a v\u00e0 truy\u1ec1n realtime.<\/p>\n

B\u01b0\u1edbc 3: \u1ee8ng d\u1ee5ng x\u1eed l\u00fd d\u1eef li\u1ec7u.<\/strong> \u1ee8ng d\u1ee5ng nh\u1eadn d\u1eef li\u1ec7u v\u00e0 l\u00e0m nh\u1eefng vi\u1ec7c h\u1eefu \u00edch: t\u1ef1 \u0111\u1ed9ng x\u00e1c nh\u1eadn \u0111\u01a1n h\u00e0ng, g\u1eedi th\u00f4ng b\u00e1o chuy\u1ec3n kho\u1ea3n, \u0111\u1ed1i so\u00e1t doanh thu, ho\u1eb7c t\u1ed5ng h\u1ee3p d\u00f2ng ti\u1ec1n t\u1eeb nhi\u1ec1u ng\u00e2n h\u00e0ng v\u1ec1 m\u1ed9t n\u01a1i.<\/p>\n

\u0110i\u1ec3m quan tr\u1ecdng: ng\u00e2n h\u00e0ng ch\u1ec9 chia s\u1ebb d\u1eef li\u1ec7u, kh\u00f4ng chia s\u1ebb m\u1eadt kh\u1ea9u hay quy\u1ec1n giao d\u1ecbch. \u1ee8ng d\u1ee5ng b\u00ean th\u1ee9 ba c\u00f3 th\u1ec3 \u0111\u1ecdc giao d\u1ecbch nh\u01b0ng kh\u00f4ng th\u1ec3 chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n.<\/p>\n

\"C\u00e1ch
\nLu\u1ed3ng ho\u1ea1t \u0111\u1ed9ng c\u1ee7a Open Banking qua API ng\u00e2n h\u00e0ng<\/em><\/p>\n

Open Banking kh\u00e1c g\u00ec Internet Banking?<\/h2>\n

Nhi\u1ec1u ng\u01b0\u1eddi nh\u1ea7m hai kh\u00e1i ni\u1ec7m n\u00e0y. Internet banking l\u00e0 giao di\u1ec7n \u0111\u1ec3 b\u1ea1n (c\u00e1 nh\u00e2n) thao t\u00e1c v\u1edbi t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, nh\u01b0 chuy\u1ec3n ti\u1ec1n, xem s\u1ed1 d\u01b0, thanh to\u00e1n h\u00f3a \u0111\u01a1n. B\u1ea1n ph\u1ea3i \u0111\u0103ng nh\u1eadp v\u00e0 thao t\u00e1c th\u1ee7 c\u00f4ng.<\/p>\n

Open banking<\/a> th\u00ec kh\u00e1c, n\u00f3 d\u00e0nh cho h\u1ec7 th\u1ed1ng k\u1ebft n\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng. Kh\u00f4ng c\u00f3 giao di\u1ec7n cho ng\u01b0\u1eddi d\u00f9ng cu\u1ed1i thao t\u00e1c tr\u1ef1c ti\u1ebfp. Thay v\u00e0o \u0111\u00f3, ph\u1ea7n m\u1ec1m c\u1ee7a doanh nghi\u1ec7p giao ti\u1ebfp tr\u1ef1c ti\u1ebfp v\u1edbi ng\u00e2n h\u00e0ng qua API \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng h\u00f3a m\u1ecdi th\u1ee9.<\/p>\n\n\n\n\n\n\n\n\n
Ti\u00eau ch\u00ed<\/th>\nInternet Banking<\/th>\nOpen Banking<\/th>\n<\/tr>\n<\/thead>\n
\u0110\u1ed1i t\u01b0\u1ee3ng d\u00f9ng<\/td>\nC\u00e1 nh\u00e2n, thao t\u00e1c th\u1ee7 c\u00f4ng<\/td>\nH\u1ec7 th\u1ed1ng, \u1ee9ng d\u1ee5ng, t\u1ef1 \u0111\u1ed9ng<\/td>\n<\/tr>\n
Giao ti\u1ebfp<\/td>\nNg\u01b0\u1eddi d\u00f9ng ↔ Giao di\u1ec7n ng\u00e2n h\u00e0ng<\/td>\nAPI ↔ API<\/td>\n<\/tr>\n
T\u1ed1c \u0111\u1ed9<\/td>\nPh\u1ee5 thu\u1ed9c thao t\u00e1c ng\u01b0\u1eddi d\u00f9ng<\/td>\nRealtime, t\u1ef1 \u0111\u1ed9ng<\/td>\n<\/tr>\n
\u1ee8ng d\u1ee5ng<\/td>\nChuy\u1ec3n ti\u1ec1n, xem s\u1ed1 d\u01b0<\/td>\nX\u00e1c nh\u1eadn thanh to\u00e1n, \u0111\u1ed3ng b\u1ed9 giao d\u1ecbch, qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\"So<\/p>\n

So s\u00e1nh Open Banking v\u00e0 Internet Banking<\/em><\/p>\n

\u1ee8ng d\u1ee5ng th\u1ef1c t\u1ebf c\u1ee7a Open Banking t\u1ea1i Vi\u1ec7t Nam<\/h2>\n

Open banking kh\u00f4ng c\u00f2n l\u00e0 kh\u00e1i ni\u1ec7m xa v\u1eddi. T\u1ea1i Vi\u1ec7t Nam, nhi\u1ec1u doanh nghi\u1ec7p \u0111\u00e3 \u1ee9ng d\u1ee5ng m\u00f4 h\u00ecnh n\u00e0y trong ho\u1ea1t \u0111\u1ed9ng h\u1eb1ng ng\u00e0y.<\/p>\n

X\u00e1c nh\u1eadn thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng cho website b\u00e1n h\u00e0ng<\/h3>\n

\u0110\u00e2y l\u00e0 \u1ee9ng d\u1ee5ng ph\u1ed5 bi\u1ebfn nh\u1ea5t. Kh\u00e1ch h\u00e0ng chuy\u1ec3n kho\u1ea3n mua h\u00e0ng, h\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng ph\u00e1t hi\u1ec7n giao d\u1ecbch qua open banking API v\u00e0 c\u1eadp nh\u1eadt \u0111\u01a1n h\u00e0ng. Kh\u00f4ng c\u1ea7n ai ng\u1ed3i canh internet banking n\u1eefa.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, c\u1ed5ng thanh to\u00e1n VietQR c\u1ee7a SePay<\/a> ho\u1ea1t \u0111\u1ed9ng theo \u0111\u00fang m\u00f4 h\u00ecnh n\u00e0y. Ti\u1ec1n chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi b\u00e1n, SePay ph\u00e1t hi\u1ec7n giao d\u1ecbch qua open banking API v\u00e0 x\u00e1c nh\u1eadn \u0111\u01a1n h\u00e0ng trong v\u00e0i gi\u00e2y.<\/p>\n

Qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n t\u1eeb nhi\u1ec1u ng\u00e2n h\u00e0ng<\/h3>\n

Doanh nghi\u1ec7p th\u01b0\u1eddng c\u00f3 3-5 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng kh\u00e1c nhau. Thay v\u00ec \u0111\u0103ng nh\u1eadp t\u1eebng app ng\u00e2n h\u00e0ng \u0111\u1ec3 ki\u1ec3m tra, open banking cho ph\u00e9p k\u1ebft n\u1ed1i t\u1ea5t c\u1ea3 t\u00e0i kho\u1ea3n v\u1ec1 m\u1ed9t dashboard duy nh\u1ea5t, theo d\u00f5i ti\u1ec1n v\u00e0o ti\u1ec1n ra realtime.<\/p>\n

Loa th\u00f4ng b\u00e1o chuy\u1ec3n kho\u1ea3n<\/h3>\n

C\u00e1c c\u1eeda h\u00e0ng, qu\u00e1n cafe d\u00f9ng loa th\u00f4ng b\u00e1o t\u1ef1 \u0111\u1ed9ng ph\u00e1t \u00e2m thanh khi c\u00f3 kh\u00e1ch chuy\u1ec3n kho\u1ea3n. Loa nh\u1eadn d\u1eef li\u1ec7u giao d\u1ecbch t\u1eeb open banking API, x\u1eed l\u00fd v\u00e0 ph\u00e1t th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c.<\/p>\n

T\u00e0i kho\u1ea3n \u1ea3o (Virtual Account) cho \u0111\u1ed1i so\u00e1t<\/h3>\n

Doanh nghi\u1ec7p t\u1ea1o nhi\u1ec1u t\u00e0i kho\u1ea3n \u1ea3o, m\u1ed7i t\u00e0i kho\u1ea3n g\u1eafn v\u1edbi m\u1ed9t \u0111\u01a1n h\u00e0ng ho\u1eb7c m\u1ed9t kh\u00e1ch h\u00e0ng. Khi ti\u1ec1n v\u00e0o \u0111\u00fang t\u00e0i kho\u1ea3n \u1ea3o, h\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng \u0111\u1ed1i so\u00e1t. \u0110\u00e2y l\u00e0 t\u00ednh n\u0103ng \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean n\u1ec1n open banking.<\/p>\n

Open Banking t\u1ea1i Vi\u1ec7t Nam \u0111ang \u1edf \u0111\u00e2u?<\/h2>\n

Vi\u1ec7t Nam ch\u01b0a c\u00f3 khung ph\u00e1p l\u00fd ch\u00ednh th\u1ee9c cho open banking nh\u01b0 ch\u00e2u \u00c2u (PSD2) hay Anh (Open Banking Standard). Tuy nhi\u00ean, Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc \u0111\u00e3 ban h\u00e0nh nhi\u1ec1u v\u0103n b\u1ea3n khuy\u1ebfn kh\u00edch ng\u00e2n h\u00e0ng m\u1edf API v\u00e0 h\u1ee3p t\u00e1c v\u1edbi fintech.<\/p>\n

Tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u ng\u00e2n h\u00e0ng l\u1edbn t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 m\u1edf API cho c\u00e1c \u0111\u1ed1i t\u00e1c fintech k\u1ebft n\u1ed1i, v\u00e0 SePay hi\u1ec7n l\u00e0 m\u1ed9t trong nh\u1eefng \u0111\u01a1n v\u1ecb d\u1eabn \u0111\u1ea7u cung c\u1ea5p h\u1ea1 t\u1ea7ng open banking t\u1ea1i Vi\u1ec7t Nam. SePay \u0111\u00e3 k\u1ebft n\u1ed1i API tr\u1ef1c ti\u1ebfp v\u1edbi h\u01a1n 10 ng\u00e2n h\u00e0ng v\u00e0 ph\u1ee5c v\u1ee5 h\u00e0ng ch\u1ee5c ngh\u00ecn doanh nghi\u1ec7p. N\u1ec1n t\u1ea3ng SePay cho ph\u00e9p doanh nghi\u1ec7p k\u1ebft n\u1ed1i t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, nh\u1eadn giao d\u1ecbch realtime, t\u1ef1 \u0111\u1ed9ng x\u00e1c nh\u1eadn thanh to\u00e1n v\u00e0 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n t\u1eadp trung, t\u1ea5t c\u1ea3 th\u00f4ng qua open banking API. T\u00e0i li\u1ec7u k\u1ef9 thu\u1eadt \u0111\u1ea7y \u0111\u1ee7 t\u1ea1i <\/span>developer.sepay.vn<\/span><\/a>.<\/span><\/p>\n

\"H\u1ec7
\nH\u1ec7 sinh th\u00e1i Open Banking \u0111ang ph\u00e1t tri\u1ec3n nhanh t\u1ea1i Vi\u1ec7t Nam<\/em><\/p>\n

Ai n\u00ean quan t\u00e2m \u0111\u1ebfn Open Banking?<\/h2>\n

Doanh nghi\u1ec7p c\u00f3 website b\u00e1n h\u00e0ng<\/h3>\n

N\u1ebfu b\u1ea1n \u0111ang nh\u1eadn thanh to\u00e1n chuy\u1ec3n kho\u1ea3n v\u00e0 ph\u1ea3i ki\u1ec3m tra th\u1ee7 c\u00f4ng, open banking s\u1ebd gi\u00fap t\u1ef1 \u0111\u1ed9ng h\u00f3a ho\u00e0n to\u00e0n. Ti\u1ebft ki\u1ec7m nh\u00e2n l\u1ef1c, gi\u1ea3m sai s\u00f3t, kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn \u0111\u01a1n ngay l\u1eadp t\u1ee9c.<\/p>\n

Developer v\u00e0 \u0111\u1ed9i ng\u0169 k\u1ef9 thu\u1eadt<\/h3>\n

Open banking API cho ph\u00e9p b\u1ea1n x\u00e2y d\u1ef1ng t\u00ednh n\u0103ng thanh to\u00e1n, qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh m\u00e0 kh\u00f4ng c\u1ea7n k\u00fd h\u1ee3p \u0111\u1ed3ng tr\u1ef1c ti\u1ebfp v\u1edbi t\u1eebng ng\u00e2n h\u00e0ng. T\u00edch h\u1ee3p qua n\u1ec1n t\u1ea3ng trung gian nh\u01b0 SePay, m\u1ed9t l\u1ea7n k\u1ebft n\u1ed1i l\u00e0 d\u00f9ng \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u00e2n h\u00e0ng.<\/p>\n

Startup fintech<\/h3>\n

N\u1ebfu b\u1ea1n \u0111ang x\u00e2y d\u1ef1ng s\u1ea3n ph\u1ea9m li\u00ean quan \u0111\u1ebfn t\u00e0i ch\u00ednh, k\u1ebf to\u00e1n, qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n, open banking l\u00e0 n\u1ec1n t\u1ea3ng h\u1ea1 t\u1ea7ng b\u1ea1n c\u1ea7n. SePay Bank Hub<\/a> cung c\u1ea5p API k\u1ebft n\u1ed1i ng\u00e2n h\u00e0ng t\u1eadp trung, h\u1ed7 tr\u1ee3 li\u00ean k\u1ebft t\u00e0i kho\u1ea3n, \u0111\u1ed3ng b\u1ed9 giao d\u1ecbch realtime, webhook v\u00e0 t\u00e0i kho\u1ea3n \u1ea3o.<\/p>\n

B\u1eaft \u0111\u1ea7u v\u1edbi Open Banking nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n

N\u1ebfu b\u1ea1n mu\u1ed1n th\u1eed nghi\u1ec7m open banking cho doanh nghi\u1ec7p ho\u1eb7c d\u1ef1 \u00e1n c\u1ee7a m\u00ecnh, c\u00e1c b\u01b0\u1edbc kh\u00e1 \u0111\u01a1n gi\u1ea3n:<\/p>\n

    \n
  1. \u0110\u0103ng k\u00fd t\u00e0i kho\u1ea3n SePay t\u1ea1i my.sepay.vn\/register<\/li>\n
  2. K\u1ebft n\u1ed1i t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng (h\u1ed7 tr\u1ee3 c\u1ea3 c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p)<\/li>\n
  3. D\u00f9ng Webhook \u0111\u1ec3 nh\u1eadn giao d\u1ecbch realtime, ho\u1eb7c t\u00edch h\u1ee3p c\u1ed5ng thanh to\u00e1n v\u00e0o website<\/li>\n
  4. D\u00f9ng mi\u1ec5n ph\u00ed v\u1edbi g\u00f3i FREE (50 giao d\u1ecbch\/th\u00e1ng)<\/li>\n<\/ol>\n

    SePay h\u1ed7 tr\u1ee3 SDK cho PHP, NodeJS, plugin s\u1eb5n cho WooCommerce, Haravan, Hostbill, Sapo, c\u00f9ng m\u00f4i tr\u01b0\u1eddng sandbox (th\u1eed nghi\u1ec7m) \u0111\u1ec3 test tr\u01b0\u1edbc khi go-live (d\u00f9ng th\u1ef1c t\u1ebf).<\/p>\n

    Ch\u00fac b\u1ea1n th\u00e0nh c\u00f4ng.<\/p>\n\n\n

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    \n 5\/5 - (1 vote) <\/div>\n <\/div>\n","protected":false},"excerpt":{"rendered":"

    Open Banking l\u00e0 m\u00f4 h\u00ecnh cho ph\u00e9p c\u00e1c b\u00ean th\u1ee9 ba truy c\u1eadp d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng c\u1ee7a ng\u01b0\u1eddi d\u00f9ng th\u00f4ng qua API, v\u1edbi s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a ch\u00ednh ng\u01b0\u1eddi d\u00f9ng \u0111\u00f3. Thay v\u00ec m\u1ecdi th\u1ee9 ch\u1ec9 n\u1eb1m trong h\u1ec7 th\u1ed1ng \u0111\u00f3ng c\u1ee7a ng\u00e2n h\u00e0ng, open banking m\u1edf ra kh\u1ea3 n\u0103ng k\u1ebft n\u1ed1i, chia s\u1ebb […]<\/p>\n","protected":false},"author":1,"featured_media":3631,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":["post-3630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kien-thuc"],"yoast_head":"\nOpen Banking l\u00e0 g\u00ec? \u1ee8ng d\u1ee5ng Open Banking t\u1ea1i Vi\u1ec7t Nam - SePay Blog<\/title>\n<meta name=\"description\" content=\"Open Banking l\u00e0 m\u00f4 h\u00ecnh cho ph\u00e9p chia s\u1ebb d\u1eef li\u1ec7u ng\u00e2n h\u00e0ng qua API. 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