{"id":526,"date":"2023-12-02T14:48:39","date_gmt":"2023-12-02T07:48:39","guid":{"rendered":"https:\/\/sepay.vn\/blog\/?p=526"},"modified":"2024-04-06T09:56:03","modified_gmt":"2024-04-06T02:56:03","slug":"api-ngan-hang-la-gi-va-loi-ich-cua-api-ngan-hang","status":"publish","type":"post","link":"https:\/\/sepay.vn\/blog\/api-ngan-hang-la-gi-va-loi-ich-cua-api-ngan-hang\/","title":{"rendered":"API ng\u00e2n h\u00e0ng l\u00e0 g\u00ec? v\u00e0 l\u1ee3i \u00edch c\u1ee7a API Ng\u00e2n h\u00e0ng"},"content":{"rendered":"<p>API ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t t\u1eadp h\u1ee3p c\u00e1c giao di\u1ec7n l\u1eadp tr\u00ecnh (API) cho ph\u00e9p c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba truy c\u1eadp v\u00e0 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u c\u1ee7a ng\u00e2n h\u00e0ng. API ng\u00e2n h\u00e0ng \u0111\u00f3ng vai tr\u00f2 l\u00e0 c\u1ea7u n\u1ed1i gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba, gi\u00fap c\u00e1c \u1ee9ng d\u1ee5ng n\u00e0y c\u00f3 th\u1ec3 k\u1ebft n\u1ed1i v\u1edbi h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c t\u00e1c v\u1ee5 nh\u01b0:<\/p>\n<ul>\n<li>Truy c\u1eadp th\u00f4ng tin t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng, bao g\u1ed3m s\u1ed1 d\u01b0, l\u1ecbch s\u1eed giao d\u1ecbch,&#8230;<\/li>\n<li>Th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch ng\u00e2n h\u00e0ng, ch\u1eb3ng h\u1ea1n nh\u01b0 chuy\u1ec3n ti\u1ec1n, thanh to\u00e1n h\u00f3a \u0111\u01a1n,&#8230;<\/li>\n<li>T\u00edch h\u1ee3p c\u00e1c t\u00ednh n\u0103ng ng\u00e2n h\u00e0ng v\u00e0o c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba, ch\u1eb3ng h\u1ea1n nh\u01b0 \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed, \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh,&#8230;<\/li>\n<\/ul>\n<p>\u0110\u00e2y l\u00e0 m\u1ed9t c\u00f4ng ngh\u1ec7 quan tr\u1ecdng c\u1ee7a ng\u00e2n h\u00e0ng m\u1edf (<a href=\"https:\/\/en.wikipedia.org\/wiki\/Open_banking\">open banking<\/a>). Ng\u00e2n h\u00e0ng m\u1edf l\u00e0 m\u00f4 h\u00ecnh kinh doanh m\u1edbi cho ph\u00e9p c\u00e1c ng\u00e2n h\u00e0ng chia s\u1ebb d\u1eef li\u1ec7u v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a m\u00ecnh v\u1edbi c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba. API \u0111\u00f3ng vai tr\u00f2 l\u00e0 n\u1ec1n t\u1ea3ng cho ng\u00e2n h\u00e0ng m\u1edf, gi\u00fap c\u00e1c ng\u00e2n h\u00e0ng d\u1ec5 d\u00e0ng chia s\u1ebb d\u1eef li\u1ec7u v\u00e0 d\u1ecbch v\u1ee5 c\u1ee7a m\u00ecnh v\u1edbi c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2023\/12\/api-banking2.jpeg\" alt=\"API ng\u00e2n h\u00e0ng\" width=\"1200\" height=\"685\" class=\"alignnone wp-image-530 size-full\" srcset=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2023\/12\/api-banking2.jpeg 1200w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2023\/12\/api-banking2-300x171.jpeg 300w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2023\/12\/api-banking2-1024x585.jpeg 1024w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2023\/12\/api-banking2-768x438.jpeg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h2>M\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 \u1ee9ng d\u1ee5ng c\u1ee7a API ng\u00e2n h\u00e0ng<\/h2>\n<ul>\n<li>C\u00e1c \u1ee9ng d\u1ee5ng v\u00ed \u0111i\u1ec7n t\u1eed s\u1eed d\u1ee5ng API \u0111\u1ec3 truy c\u1eadp th\u00f4ng tin t\u00e0i kho\u1ea3n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch ng\u00e2n h\u00e0ng, ch\u1eb3ng h\u1ea1n nh\u01b0 chuy\u1ec3n ti\u1ec1n, thanh to\u00e1n h\u00f3a \u0111\u01a1n,&#8230;<\/li>\n<li>C\u00e1c \u1ee9ng d\u1ee5ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh s\u1eed d\u1ee5ng API\u00a0 \u0111\u1ec3 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng c\u00e1i nh\u00ecn t\u1ed5ng quan v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd, bao g\u1ed3m s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n, l\u1ecbch s\u1eed giao d\u1ecbch,&#8230;<\/li>\n<li>C\u00e1c \u1ee9ng d\u1ee5ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed s\u1eed d\u1ee5ng API \u0111\u1ec3 cho ph\u00e9p kh\u00e1ch h\u00e0ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn m\u1ed9t c\u00e1ch nhanh ch\u00f3ng v\u00e0 thu\u1eadn ti\u1ec7n.<\/li>\n<\/ul>\n<h2>L\u1ee3i \u00edch c\u1ee7a cho c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 kh\u00e1ch h\u00e0ng<\/h2>\n<ul>\n<li>\u0110\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, API gi\u00fap ng\u00e2n h\u00e0ng m\u1edf r\u1ed9ng ph\u1ea1m vi ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng, t\u0103ng c\u01b0\u1eddng c\u1ea1nh tranh v\u00e0 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng<\/li>\n<li>\u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, API gi\u00fap kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng m\u1ed9t c\u00e1ch thu\u1eadn ti\u1ec7n v\u00e0 linh ho\u1ea1t h\u01a1n.\n<ul><\/ul>\n<\/li>\n<\/ul>\n<p>T\u1ea1i Vi\u1ec7t Nam, vi\u1ec7c tri\u1ec3n khai API ng\u00e2n h\u00e0ng \u0111ang \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y. SePay l\u00e0 c\u00f4ng ty c\u00f4ng ngh\u1ec7 ti\u00ean phong trong \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng m\u1edf. Gi\u00fap chuy\u1ec3n \u0111\u1ed5i s\u1ed1 thanh to\u00e1n cho c\u00e1c chu\u1ed5i c\u1eeda h\u00e0ng nh\u01b0 \u1ee9ng d\u1ee5ng QR code v\u00e0 <a href=\"https:\/\/sepay.vn\/chia-se-bien-dong-so-du.html\">chia s\u1ebb bi\u1ebfn \u0111\u1ed9ng s\u1ed1 d\u01b0<\/a> l\u00ean nh\u00f3m chat. T\u00edch h\u1ee3p <a href=\"https:\/\/sepay.vn\/xac-thuc-thanh-toan.html\">x\u00e1c th\u1ef1c thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng<\/a> qua chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng. Ngo\u00e0i ra SePay c\u00f2n cung c\u1ea5p API Ng\u00e2n H\u00e0ng \u0111\u1ec3 kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh c\u00f3 th\u1ec3 truy v\u1ea5n th\u00f4ng tin giao d\u1ecbch, h\u1ed7 tr\u1ee3 cho vi\u1ec7c \u0111\u1ed1i so\u00e1t b\u00e1n h\u00e0ng m\u1ed9t c\u00e1ch t\u1ef1 \u0111\u1ed9ng.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;526&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;3&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;Rate this post&quot;,&quot;legend&quot;:&quot;5\\\/5 - (3 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;API ng\u00e2n h\u00e0ng l\u00e0 g\u00ec? v\u00e0 l\u1ee3i \u00edch c\u1ee7a API Ng\u00e2n h\u00e0ng&quot;,&quot;width&quot;:&quot;142.5&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 142.5px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            5\/5 - (3 votes)    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>API ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t t\u1eadp h\u1ee3p c\u00e1c giao di\u1ec7n l\u1eadp tr\u00ecnh (API) cho ph\u00e9p c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba truy c\u1eadp v\u00e0 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u c\u1ee7a ng\u00e2n h\u00e0ng. API ng\u00e2n h\u00e0ng \u0111\u00f3ng vai tr\u00f2 l\u00e0 c\u1ea7u n\u1ed1i gi\u1eefa c\u00e1c ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba, gi\u00fap c\u00e1c [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":529,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[],"class_list":["post-526","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-api-ngan-hang"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>API ng\u00e2n h\u00e0ng l\u00e0 g\u00ec? v\u00e0 l\u1ee3i \u00edch c\u1ee7a API Ng\u00e2n h\u00e0ng - SePay Blog<\/title>\n<meta name=\"description\" content=\"API ng\u00e2n h\u00e0ng l\u00e0 m\u1ed9t t\u1eadp h\u1ee3p c\u00e1c giao di\u1ec7n l\u1eadp tr\u00ecnh (API) cho ph\u00e9p c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a b\u00ean th\u1ee9 ba truy c\u1eadp v\u00e0 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u c\u1ee7a ng\u00e2n h\u00e0ng\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sepay.vn\/blog\/api-ngan-hang-la-gi-va-loi-ich-cua-api-ngan-hang\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"API ng\u00e2n h\u00e0ng l\u00e0 g\u00ec? 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