{"id":542,"date":"2019-05-11T20:25:39","date_gmt":"2019-05-11T17:25:39","guid":{"rendered":"https:\/\/favorite-news.com\/vi\/von-la-nhung-ung-dung-goi-xe-grab-va-gojek-da-dua-dich-vu-tai-chinh-den-voi-dong-dao-nguoi-dan-dong-nam-a-nhu-the-nao\/"},"modified":"2019-05-11T20:25:40","modified_gmt":"2019-05-11T17:25:40","slug":"von-la-nhung-ung-dung-goi-xe-grab-va-gojek-da-dua-dich-vu-tai-chinh-den-voi-dong-dao-nguoi-dan-dong-nam-a-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/favorite-news.com\/vi\/von-la-nhung-ung-dung-goi-xe-grab-va-gojek-da-dua-dich-vu-tai-chinh-den-voi-dong-dao-nguoi-dan-dong-nam-a-nhu-the-nao\/","title":{"rendered":"V\u1ed1n l\u00e0 nh\u1eefng \u1ee9ng d\u1ee5ng g\u1ecdi xe, Grab v\u00e0 Gojek \u0111\u00e3 \u0111\u01b0a d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ebfn v\u1edbi \u0111\u00f4ng \u0111\u1ea3o ng\u01b0\u1eddi d\u00e2n \u0110\u00f4ng Nam \u00c1 nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"

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Grab v\u00e0 Gojek \u0111\u1ec1u \u0111\u01b0\u1ee3c nh\u1eefng c\u1eed nh\u00e2n c\u1ee7a Tr\u01b0\u1eddng Kinh doanh \u0110\u1ea1i h\u1ecdc Harvard s\u00e1ng l\u1eadp trong c\u00f9ng 1 n\u0103m. C\u1ea3 2 c\u00f4ng ty \u0111\u1ec1u ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng v\u1edbi h\u01a1n 100 tri\u1ec7u l\u01b0\u1ee3t t\u1ea3i xu\u1ed1ng. C\u1ea3 2 \u0111\u1ec1u b\u1eaft \u0111\u1ea7u kinh doanh b\u1eb1ng l\u0129nh v\u1ef1c g\u1ecdi xe v\u00e0 sau \u0111\u00f3 ph\u00e1t tri\u1ec3n sang c\u00e1c l\u0129nh v\u1ef1c logistics kh\u00e1c, nh\u01b0 giao h\u00e0ng v\u00e0 \u0111\u1eb7t \u0111\u1ed3 \u0103n. D\u00f9 l\u0129nh v\u1ef1c kinh doanh ch\u00ednh l\u00e0 g\u1ecdi xe v\u00e0 logistics nh\u01b0ng hai “ch\u00fa k\u1ef3 l\u00e2n” n\u00e0y \u0111\u00e3 mang d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ebfn v\u1edbi nh\u1eefng khu v\u1ef1c “unbanked” (nh\u1eefng n\u01a1i ng\u01b0\u1eddi d\u00e2n kh\u00f4ng c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ho\u1eb7c v\u00ec l\u00fd do n\u00e0o \u0111\u00f3 m\u00e0 h\u1ecd kh\u00f4ng th\u1ec3 ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh ph\u1ed5 th\u00f4ng).<\/p>\n

“K\u1ef3 l\u00e2n” l\u1edbn tu\u1ed5i h\u01a1n l\u00e0 Gojek, c\u00e1i t\u00ean xu\u1ea5t ph\u00e1t t\u1eeb “ojek”, ti\u1ebfng Indonesia c\u00f3 ngh\u0129a l\u00e0 “xe \u00f4m”. \u0110\u01b0\u1ee3c th\u00e0nh l\u1eadp n\u0103m 2010, \u0111\u1ebfn n\u0103m 2018 c\u00f4ng ty n\u00e0y \u0111\u00e3 m\u1edf r\u1ed9ng ho\u1ea1t \u0111\u1ed9ng kinh doanh sang c\u00e1c n\u01b0\u1edbc b\u00ean ngo\u00e0i Indonesia. Hi\u1ec7n t\u1ea1i, Gojek c\u0169ng \u0111\u01b0\u1ee3c \u0111\u00f3n nh\u1eadn t\u00edch c\u1ef1c t\u1ea1i Vi\u1ec7t Nam, Th\u00e1i Lan v\u00e0 “b\u01b0\u1edbc ch\u00e2n” v\u00e0o Singapore t\u1eeb th\u00e1ng 1 n\u0103m nay – n\u01a1i c\u00f4ng ty \u0111\u1ed1i th\u1ee7 \u0111\u1eb7t tr\u1ee5 s\u1edf.<\/p>\n

Grab \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u1edf Malaysia v\u00e0o n\u0103m 2012 nh\u01b0ng l\u1ea1i tr\u1edf th\u00e0nh c\u00f4ng ty \u0111a qu\u1ed1c gia s\u1edbm h\u01a1n Gojek. N\u0103m ngo\u00e1i, Grab \u0111\u00e3 “v\u01b0\u1ee3t m\u1eb7t” Gojek khi tuy\u00ean b\u1ed1 mua l\u1ea1i 27,5% c\u1ed5 ph\u1ea7n c\u1ee7a Uber \u1edf \u0110\u00f4ng Nam \u00c1, ti\u1ebfp nh\u1eadn to\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ee7a Uber t\u1ea1i khu v\u1ef1c n\u00e0y. Hi\u1ec7n t\u1ea1i, Grab v\u00e0 Gojek \u0111ang c\u00f9ng ho\u1ea1t \u0111\u1ed9ng \u1edf 4 qu\u1ed1c gia v\u00e0 Campuchia, Malaysia, Myanmar v\u00e0 Philippines. L\u1ee3i th\u1ebf c\u1ee7a Gojek trong cu\u1ed9c chi\u1ebfn n\u00e0y \u0111\u00f3 ch\u00ednh l\u00e0 “qu\u00ea nh\u00e0” Indonesia, v\u1edbi l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng l\u00e0 265 tri\u1ec7u, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng 2\/3 d\u00e2n s\u1ed1.<\/p>\n

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Th\u1eddi gian \u0111\u1ea7u, 2 \u1ee9ng d\u1ee5ng n\u00e0y ch\u1ec9 \u0111\u01a1n gi\u1ea3n l\u00e0 gi\u00fap kh\u00e1ch h\u00e0ng v\u00e0 t\u00e0i x\u1ebf li\u00ean h\u1ec7 v\u1edbi nhau, ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n l\u00e0 ti\u1ec1n m\u1eb7t. B\u1edfi 75% \u0111\u1ebfn 80% ng\u01b0\u1eddi d\u00e2n \u0110\u00f4ng Nam \u00c1 \u0111\u1ec1u kh\u00f4ng s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, n\u00ean vi\u1ec7c ph\u00e1t tri\u1ec3n h\u00ecnh th\u1ee9c thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t \u0111\u00f2i h\u1ecfi l\u1ed1i t\u01b0 duy phi tuy\u1ebfn t\u00ednh (lateral thinking). \u00dd t\u01b0\u1edfng c\u1ee7a h\u1ecd \u0111\u1ebfn t\u1eeb c\u00e1ch c\u00e1c ki\u1ed1t v\u00e0 c\u1eeda h\u00e0ng ti\u1ec7n l\u1ee3i b\u00e1n th\u1ebb \u0111i\u1ec7n tho\u1ea1i. Hi\u1ec7n t\u1ea1i, c\u00e1c t\u00e0i x\u1ebf c\u00f2n l\u00e0m vi\u1ec7c v\u1edbi t\u01b0 c\u00e1ch l\u00e0 “tr\u1ea1m” n\u1ea1p ti\u1ec1n tr\u00ean \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng trong \u1ee9ng d\u1ee5ng c\u1ee7a kh\u00e1ch. Kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 tr\u1ea3 th\u00eam ti\u1ec1n m\u1eb7t v\u00e0 y\u00eau c\u1ea7u t\u00e0i x\u1ebf \u0111\u01b0a s\u1ed1 ti\u1ec1n th\u1eeba v\u00e0o s\u1ed1 d\u01b0 trong \u1ee9ng d\u1ee5ng c\u1ee7a h\u1ecd.<\/p>\n

G\u1ea7n \u0111\u00e2y, Grab v\u00e0 Gojek \u0111\u00e3 tri\u1ec3n khai v\u00ed \u0111i\u1ec7n t\u1eed (digital wallet), kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 n\u1ea1p ti\u1ec1n m\u1eb7t t\u1eeb c\u00e1c b\u00ean th\u1ee9 3. H\u01a1n n\u1eefa, h\u1ecd c\u00f2n \u0111\u0103ng k\u00fd v\u1edbi c\u00e1c nh\u00e0 b\u00e1n l\u1ebb \u0111\u1ec3 s\u1eed d\u1ee5ng h\u00ecnh th\u1ee9c thanh to\u00e1n b\u1eb1ng c\u00e1ch qu\u00e9t m\u00e3 QR tr\u00ean \u1ee9ng d\u1ee5ng. C\u00e1c ki\u1ec3u thanh to\u00e1n n\u00e0y \u0111\u1ec1u \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u00ecnh th\u1ee9c mua h\u00e0ng, kh\u00f4ng ch\u1ec9 l\u00e0 c\u00e1c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c cung c\u1ea5p th\u00f4ng qua \u1ee9ng d\u1ee5ng c\u1ee7a h\u1ecd.<\/p>\n

Tr\u1edf ng\u1ea1i l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi m\u1ed7i c\u00f4ng ty (ngo\u00e0i c\u00e1c \u0111\u1ed1i th\u1ee7) l\u00e0 vi\u1ec7c c\u00e1c nh\u00e0 b\u00e1n l\u1ebb kh\u00e1 ch\u1eadm ch\u1ea1p trong vi\u1ec7c ch\u1ea5p nh\u1eadn h\u00ecnh th\u1ee9c thanh to\u00e1n n\u00e0y. T\u0103ng t\u1ed1c \u0111\u1ed9 tri\u1ec3n khai t\u1ee9c l\u00e0 thuy\u1ebft ph\u1ee5c c\u00e1c nh\u00e0 b\u00e1n l\u1ebb r\u1eb1ng nh\u1eefng l\u1ef1a ch\u1ecdn thanh to\u00e1n, \u0111\u1eb7t h\u00e0ng m\u1edbi s\u1ebd t\u0103ng l\u1ee3i nhu\u1eadn cho h\u1ecd. Grab cho bi\u1ebft trung b\u00ecnh l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n giao d\u1ecbch kh\u00f4ng s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t cao g\u1ea5p 2 l\u1ea7n so v\u1edbi kh\u00e1ch h\u00e0ng thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t. H\u01a1n n\u1eefa, 30% ng\u01b0\u1eddi d\u00f9ng c\u00f3 xu h\u01b0\u1edbng s\u1eed d\u1ee5ng nhi\u1ec1u d\u1ecbch v\u1ee5 c\u1ee7a Grab h\u01a1n s\u1ed1 ng\u01b0\u1eddi ch\u1ec9 d\u00f9ng m\u1ed9t d\u1ecbch v\u1ee5. <\/p>\n

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\"V\u1ed1n<\/div>\n<\/div>\n

Reuben Lai, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ea5p cao c\u1ee7a Grab Financial, b\u1ed9 ph\u1eadn qu\u1ea3n l\u00fd ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n c\u1ee7a Grab, cho bi\u1ebft: “B\u1ea1n s\u1ebd th\u1ea5y l\u01b0\u1ee3ng giao d\u1ecbch \u0111\u1ed1i v\u1edbi d\u1ecbch v\u1ee5 giao \u0111\u1ed3 \u0103n c\u1ee7a ch\u00fang t\u00f4i, \u1edf \u0111\u00e2y l\u00e0 Grab Food t\u0103ng 20-30%, chi ph\u00ed th\u1eadm ch\u00ed c\u00f2n th\u1ea5p h\u01a1n n\u1ebfu s\u1eed d\u1ee5ng Grab Pay.”<\/p>\n

C\u1ea3 2 c\u00f4ng ty \u0111\u1ec1u \u0111ang “l\u1ea5n s\u00e2n” sang c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh kh\u00e1c, v\u00ed d\u1ee5 nh\u01b0 cung c\u1ea5p c\u00e1c kho\u1ea3n vay cho doanh nghi\u1ec7p nh\u1ecf v\u00e0 b\u1ea3o hi\u1ec3m vi m\u00f4. H\u1ecd c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1eef li\u1ec7u giao d\u1ecbch \u0111\u1ec3 thi\u1ebft l\u1eadp \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 nh\u1eadn thanh to\u00e1n t\u1eeb v\u00ed c\u1ee7a \u1ee9ng d\u1ee5ng, gi\u1ea3m nguy c\u01a1 v\u1ee1 n\u1ee3. \u00d4ng Lai n\u00f3i th\u00eam: “Tham v\u1ecdng c\u1ee7a ch\u00fang t\u00f4i l\u00e0 x\u00e2y d\u1ef1ng m\u1ed9t ‘v\u00ed’ chung t\u1ea1i ASEAN, cho ph\u00e9p ng\u01b0\u1eddi ti\u00eau d\u00f9ng mua b\u1ea5t k\u1ef3 th\u1ee9 g\u00ec, tr\u1ef1c tuy\u1ebfn hay ngo\u1ea1i tuy\u1ebfn, v\u00e0 truy c\u1eadp b\u1ea5t k\u1ef3 d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh n\u00e0o, m\u1ecdi l\u00fac, m\u1ecdi n\u01a1i.”<\/p>\n

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\"V\u1ed1n<\/div>\n<\/div>\n

C\u0169ng nh\u01b0 Ant Financial, Grab v\u00e0 Gojek kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng mu\u1ed1n h\u1ee3p t\u00e1c v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng. Theo Aldi Haryopratomo – gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh m\u1ea3ng Go-Pay c\u1ee7a Gojek, c\u00e1ch hi\u1ec3u \u0111\u00fang v\u1ec1 m\u1ea3ng thanh to\u00e1n c\u1ee7a h\u1ecd \u0111\u00f3 l\u00e0 “m\u1ed9t c\u1ea7u n\u1ed1i gi\u1eefa nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 nh\u1eefng ng\u01b0\u1eddi mu\u1ed1n cung c\u1ea5p d\u1ecbch v\u1ee5 cho h\u1ecd.” \u00d4ng n\u00f3i th\u00eam, \u0111i\u1ec1u kh\u00f3 kh\u0103n nh\u1ea5t trong c\u00f4ng vi\u1ec7c c\u1ee7a \u00f4ng l\u00e0 thuy\u1ebft ph\u1ee5c c\u00e1c ng\u00e2n h\u00e0ng r\u1eb1ng Go-Pay l\u00e0 m\u1ed9t \u0111\u1ed1i t\u00e1c ti\u1ec1m n\u0103ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i m\u1ed1i \u0111e do\u1ea1.<\/p>\n

N\u1ebfu nh\u1eefng “g\u00e3 kh\u1ed5ng l\u1ed3” l\u0129nh v\u1ef1c g\u1ecdi xe c\u1ee7a \u0110\u00f4ng Nam \u00c1 \u0111\u1ea1t \u0111\u01b0\u1ee3c tham v\u1ecdng c\u1ee7a h\u1ecd, th\u00ec nh\u1eefng ng\u00e2n h\u00e0ng \u0111\u1ecba ph\u01b0\u01a1ng c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng bao gi\u1edd ph\u00e1t tri\u1ec3n \u0111\u1ec3 tr\u1edf th\u00e0nh m\u1ed9t ng\u00e2n h\u00e0ng b\u00e1n l\u1ebb to\u00e0n di\u1ec7n, nh\u01b0 \u1edf c\u00e1c qu\u1ed1c gia ph\u00e1t tri\u1ec3n. H\u1ecd c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng nh\u1edd v\u00e0o kh\u00e1ch h\u00e0ng gi\u00e0u c\u00f3 v\u00e0 doanh nghi\u1ec7p l\u1edbn, trong khi nh\u1eefng kh\u00e1ch h\u00e0ng kh\u00e1c v\u1eabn s\u1ebd t\u00ecm \u0111\u1ebfn c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p tr\u00ean n\u1ec1n t\u1ea3ng di \u0111\u1ed9ng, k\u1ebft h\u1ee3p d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c.<\/p>\n<\/div>\n

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[ad_1] Grab v\u00e0 Gojek \u0111\u1ec1u \u0111\u01b0\u1ee3c nh\u1eefng c\u1eed nh\u00e2n c\u1ee7a Tr\u01b0\u1eddng Kinh doanh \u0110\u1ea1i h\u1ecdc Harvard s\u00e1ng l\u1eadp trong c\u00f9ng 1 n\u0103m. C\u1ea3 2 c\u00f4ng ty \u0111\u1ec1u ph\u00e1t tri\u1ec3n \u1ee9ng d\u1ee5ng v\u1edbi h\u01a1n 100 tri\u1ec7u l\u01b0\u1ee3t t\u1ea3i xu\u1ed1ng. C\u1ea3 2 \u0111\u1ec1u b\u1eaft \u0111\u1ea7u kinh doanh b\u1eb1ng l\u0129nh v\u1ef1c g\u1ecdi xe v\u00e0 sau \u0111\u00f3 ph\u00e1t […]<\/p>\n","protected":false},"author":2,"featured_media":543,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ban-tin-tai-chinh"],"yoast_head":"\nV\u1ed1n l\u00e0 nh\u1eefng \u1ee9ng d\u1ee5ng g\u1ecdi xe, Grab v\u00e0 Gojek \u0111\u00e3 \u0111\u01b0a d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ebfn v\u1edbi \u0111\u00f4ng \u0111\u1ea3o ng\u01b0\u1eddi d\u00e2n \u0110\u00f4ng Nam \u00c1 nh\u01b0 th\u1ebf n\u00e0o? - Favorite News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/favorite-news.com\/vi\/von-la-nhung-ung-dung-goi-xe-grab-va-gojek-da-dua-dich-vu-tai-chinh-den-voi-dong-dao-nguoi-dan-dong-nam-a-nhu-the-nao\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"V\u1ed1n l\u00e0 nh\u1eefng \u1ee9ng d\u1ee5ng g\u1ecdi xe, Grab v\u00e0 Gojek \u0111\u00e3 \u0111\u01b0a d\u1ecbch v\u1ee5 t\u00e0i ch\u00ednh \u0111\u1ebfn v\u1edbi \u0111\u00f4ng \u0111\u1ea3o ng\u01b0\u1eddi d\u00e2n \u0110\u00f4ng Nam \u00c1 nh\u01b0 th\u1ebf n\u00e0o? - Favorite News\" \/>\n<meta property=\"og:description\" content=\"[ad_1] Grab v\u00e0 Gojek \u0111\u1ec1u \u0111\u01b0\u1ee3c nh\u1eefng c\u1eed nh\u00e2n c\u1ee7a Tr\u01b0\u1eddng Kinh doanh \u0110\u1ea1i h\u1ecdc Harvard s\u00e1ng l\u1eadp trong c\u00f9ng 1 n\u0103m. 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