{"id":7101,"date":"2026-05-19T12:05:22","date_gmt":"2026-05-19T03:05:22","guid":{"rendered":"https:\/\/vietcafe-learning.com\/material\/?p=7101"},"modified":"2026-05-19T13:29:40","modified_gmt":"2026-05-19T04:29:40","slug":"dailynews121","status":"publish","type":"post","link":"https:\/\/vietcafe-learning.com\/material\/dailynews121\/","title":{"rendered":"\uff08\u7d4c\u6e08\uff09\u30d9\u30c8\u30ca\u30e0\u3001\u9280\u884c\u53e3\u5ea7\u4fdd\u6709\u7387\u304c\u7d0489\uff05\u306b\u5230\u9054\uff0815\u6b73\u4ee5\u4e0a\uff09"},"content":{"rendered":"<h2><span style=\"color: #008000;\">\u30c8\u30d4\u30c3\u30af<\/span><\/h2>\n<div style=\"border: solid 4px #f5f5f5; border-radius: 10px; background-color: #f5f5f5; padding-right: 20px; padding-left: 20px; padding-bottom: 5px; margin-bottom: 20px;\">\n<p>Theo s\u1ed1 li\u1ec7u m\u1edbi nh\u1ea5t t\u1eeb Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, g\u1ea7n 89% ng\u01b0\u1eddi d\u00e2n t\u1eeb 15 tu\u1ed5i tr\u1edf l\u00ean t\u1ea1i Vi\u1ec7t Nam \u0111\u00e3 c\u00f3 t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i ng\u00e2n h\u00e0ng. S\u1ef1 ph\u00e1t tri\u1ec3n \u1ea5n t\u01b0\u1ee3ng n\u00e0y cho th\u1ea5y t\u1ed1c \u0111\u1ed9 chuy\u1ec3n \u0111\u1ed5i s\u1ed1 v\u00e0 xu h\u01b0\u1edbng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111ang di\u1ec5n ra v\u00f4 c\u00f9ng m\u1ea1nh m\u1ebd t\u1ea1i Vi\u1ec7t Nam, v\u01b0\u1ee3t m\u1ee9c m\u1ee5c ti\u00eau m\u00e0 ch\u00ednh ph\u1ee7 \u0111\u1ec1 ra. Kh\u00f4ng ch\u1ec9 \u1edf c\u00e1c th\u00e0nh ph\u1ed1 l\u1edbn nh\u01b0 H\u00e0 N\u1ed9i hay TP.HCM, m\u00e0 ngay c\u1ea3 \u1edf nh\u1eefng v\u00f9ng n\u00f4ng th\u00f4n, ng\u01b0\u1eddi d\u00e2n c\u0169ng b\u1eaft \u0111\u1ea7u quen thu\u1ed9c v\u1edbi c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh.<\/p>\n<p>Ng\u01b0\u1eddi d\u00e2n ng\u00e0y c\u00e0ng quen thu\u1ed9c v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c \u1ee9ng d\u1ee5ng ng\u00e2n h\u00e0ng di \u0111\u1ed9ng (mobile banking), v\u00ed \u0111i\u1ec7n t\u1eed (nh\u01b0 MoMo, ZaloPay), qu\u00e9t m\u00e3 QR v\u00e0 chuy\u1ec3n kho\u1ea3n tr\u1ef1c tuy\u1ebfn trong h\u1ea7u h\u1ebft c\u00e1c giao d\u1ecbch h\u00e0ng ng\u00e0y. T\u1eeb vi\u1ec7c \u0111i ch\u1ee3 mua m\u1edb rau, \u0103n u\u1ed1ng \u1edf qu\u00e1n v\u1ec9a h\u00e8 \u0111\u1ebfn tr\u1ea3 ti\u1ec1n \u0111i\u1ec7n n\u01b0\u1edbc, d\u1ecbch v\u1ee5, t\u1ea5t c\u1ea3 \u0111\u1ec1u c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n ch\u1ec9 v\u1edbi m\u1ed9t chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh. Vi\u1ec7c ph\u1ed5 c\u1eadp t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 gi\u00fap giao d\u1ecbch nhanh ch\u00f3ng, ti\u1ec7n l\u1ee3i, an to\u00e0n, tr\u00e1nh r\u1ee7i ro m\u1ea5t c\u1eafp ti\u1ec1n m\u1eb7t m\u00e0 c\u00f2n g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf s\u1ed1 ph\u00e1t tri\u1ec3n to\u00e0n di\u1ec7n, mang l\u1ea1i l\u1ee3i \u00edch to l\u1edbn cho c\u1ea3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng, doanh nghi\u1ec7p v\u00e0 s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p>\u56fd\u5bb6\u9280\u884c\u306e\u6700\u65b0\u30c7\u30fc\u30bf\u306b\u3088\u308b\u3068\u3001\u30d9\u30c8\u30ca\u30e0\u3067\u306f15\u6b73\u4ee5\u4e0a\u306e\u56fd\u6c11\u306e\u7d0489\uff05\u304c\u9280\u884c\u306e\u6c7a\u6e08\u53e3\u5ea7\u3092\u4fdd\u6709\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u5370\u8c61\u7684\u306a\u767a\u5c55\u306f\u3001\u30d9\u30c8\u30ca\u30e0\u306b\u304a\u3044\u3066\u30c7\u30b8\u30bf\u30eb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3\u306e\u30b9\u30d4\u30fc\u30c9\u3068\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\u6c7a\u6e08\u306e\u30c8\u30ec\u30f3\u30c9\u304c\u975e\u5e38\u306b\u5f37\u529b\u306b\u9032\u3093\u3067\u304a\u308a\u3001\u653f\u5e9c\u304c\u8a2d\u5b9a\u3057\u305f\u76ee\u6a19\u3092\u4e0a\u56de\u3063\u3066\u3044\u308b\u3053\u3068\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002\u30cf\u30ce\u30a4\u3084\u30db\u30fc\u30c1\u30df\u30f3\u5e02\u306a\u3069\u306e\u5927\u90fd\u5e02\u3060\u3051\u3067\u306a\u304f\u3001\u8fb2\u6751\u90e8\u3067\u3082\u4eba\u3005\u306f\u91d1\u878d\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u306b\u6163\u308c\u59cb\u3081\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4eba\u3005\u306f\u3001\u91ce\u83dc\u3092\u5e02\u5834\u3067\u8cb7\u3046\u3053\u3068\u3084\u5c4b\u53f0\u3067\u306e\u98df\u4e8b\u304b\u3089\u3001\u5149\u71b1\u8cbb\u3084\u30b5\u30fc\u30d3\u30b9\u306e\u652f\u6255\u3044\u307e\u3067\u3001\u65e5\u5e38\u306e\u307b\u3068\u3093\u3069\u306e\u53d6\u5f15\u306b\u304a\u3044\u3066\u30e2\u30d0\u30a4\u30eb\u30d0\u30f3\u30ad\u30f3\u30b0\u30a2\u30d7\u30ea\u3001\u96fb\u5b50\u30de\u30cd\u30fc\uff08MoMo\u3084ZaloPay\u306a\u3069\uff09\u3001QR\u30b3\u30fc\u30c9\u306e\u8aad\u307f\u53d6\u308a\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u9001\u91d1\u3092\u4f7f\u7528\u3059\u308b\u3053\u3068\u306b\u307e\u3059\u307e\u3059\u6163\u308c\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u3059\u3079\u3066\u304c\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f31\u53f0\u3067\u5b9f\u884c\u53ef\u80fd\u3067\u3059\u3002\u9280\u884c\u53e3\u5ea7\u306e\u666e\u53ca\u306f\u3001\u53d6\u5f15\u3092\u8fc5\u901f\u3001\u4fbf\u5229\u3001\u5b89\u5168\u306b\u3057\u3001\u73fe\u91d1\u306e\u76d7\u96e3\u30ea\u30b9\u30af\u3092\u56de\u907f\u3059\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u30c7\u30b8\u30bf\u30eb\u7d4c\u6e08\u306e\u5305\u62ec\u7684\u306a\u767a\u5c55\u3092\u4fc3\u9032\u3057\u3001\u6d88\u8cbb\u8005\u3001\u4f01\u696d\u3001\u305d\u3057\u3066\u56fd\u5bb6\u306e\u7ba1\u7406\u6a5f\u69cb\u306b\u591a\u5927\u306a\u5229\u76ca\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<\/div>\n<h2>\u30c7\u30a3\u30b9\u30ab\u30c3\u30b7\u30e7\u30f3<\/h2>\n<p>\u3053\u306e\u30cb\u30e5\u30fc\u30b9\u306b\u57fa\u3065\u3044\u3066\u8b70\u8ad6\u3092\u6df1\u3081\u308b\u305f\u3081\u306e6\u3064\u306e\u8cea\u554f\u3067\u3059\u3002<\/p>\n<p><strong>1.B\u1ea1n c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ho\u1eb7c v\u00ed \u0111i\u1ec7n t\u1eed (nh\u01b0 MoMo, ZaloPay) \u1edf Vi\u1ec7t Nam ch\u01b0a?<\/strong> (\u30d9\u30c8\u30ca\u30e0\u306e\u9280\u884c\u53e3\u5ea7\u3084\u96fb\u5b50\u30de\u30cd\u30fc\uff08MoMo\u3001ZaloPay\u306a\u3069\uff09\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u304b\uff1f)<\/p>\n<p><strong>2.L\u1ea7n \u0111\u1ea7u ti\u00ean b\u1ea1n d\u00f9ng m\u00e3 QR \u0111\u1ec3 tr\u1ea3 ti\u1ec1n \u1edf Vi\u1ec7t Nam, b\u1ea1n c\u1ea3m th\u1ea5y th\u1ebf n\u00e0o?<\/strong> (\u30d9\u30c8\u30ca\u30e0\u3067\u521d\u3081\u3066QR\u30b3\u30fc\u30c9\u6c7a\u6e08\u3092\u3057\u305f\u6642\u3001\u3069\u3046\u611f\u3058\u307e\u3057\u305f\u304b\uff1f)<\/p>\n<p><strong>3.\u1ede n\u01b0\u1edbc c\u1ee7a b\u1ea1n, ng\u01b0\u1eddi d\u00e2n th\u01b0\u1eddng mang theo nhi\u1ec1u ti\u1ec1n m\u1eb7t khi ra ngo\u00e0i kh\u00f4ng?<\/strong> (\u3042\u306a\u305f\u306e\u56fd\u3067\u306f\u3001\u5916\u51fa\u6642\u306b\u3088\u304f\u73fe\u91d1\u3092\u305f\u304f\u3055\u3093\u6301\u3061\u6b69\u304d\u307e\u3059\u304b\uff1f)<\/p>\n<p><strong>4.B\u1ea1n th\u00edch tr\u1ea3 ti\u1ec1n m\u1eb7t hay tr\u1ea3 qua \u0111i\u1ec7n tho\u1ea1i h\u01a1n? T\u1ea1i sao?<\/strong> (\u73fe\u91d1\u6255\u3044\u3068\u30b9\u30de\u30db\u6c7a\u6e08\u3001\u3069\u3061\u3089\u304c\u597d\u304d\u3067\u3059\u304b\uff1f\u305d\u308c\u306f\u306a\u305c\u3067\u3059\u304b\uff1f)<\/p>\n<p><strong>5.Theo b\u1ea1n, nh\u1eefng ng\u01b0\u1eddi l\u1edbn tu\u1ed5i (nh\u01b0 \u00f4ng b\u00e0) c\u00f3 g\u1eb7p kh\u00f3 kh\u0103n khi d\u00f9ng \u0111i\u1ec7n tho\u1ea1i \u0111\u1ec3 chuy\u1ec3n ti\u1ec1n kh\u00f4ng?<\/strong> (\u9ad8\u9f62\u8005\uff08\u304a\u3058\u3044\u3055\u3093\u3084\u304a\u3070\u3042\u3055\u3093\u306a\u3069\uff09\u304c\u30b9\u30de\u30db\u3067\u9001\u91d1\u3059\u308b\u306e\u306f\u96e3\u3057\u3044\u3068\u601d\u3044\u307e\u3059\u304b\uff1f)<\/p>\n<p><strong>6.Khi kh\u00f4ng c\u00f3 ti\u1ec1n m\u1eb7t trong v\u00ed, b\u1ea1n c\u00f3 c\u1ea3m th\u1ea5y lo l\u1eafng kh\u00f4ng?<\/strong> (\u8ca1\u5e03\u306b\u73fe\u91d1\u304c\u5165\u3063\u3066\u3044\u306a\u3044\u6642\u3001\u4e0d\u5b89\u3092\u611f\u3058\u307e\u3059\u304b\uff1f)<\/p>\n<h2><span style=\"color: #008000;\">\u899a\u3048\u308b\u3079\u304d\u5358\u8a9e<\/span><\/h2>\n<table class=\"material_table\" style=\"width: 100%; max-width: 666px;\">\n<tbody>\n<tr>\n<th>#<\/th>\n<th>\u30d9\u30c8\u30ca\u30e0\u8a9e<\/th>\n<th>\u65e5\u672c\u8a9e<\/th>\n<\/tr>\n<tr>\n<td>1<\/td>\n<td>Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc<\/td>\n<td>\u56fd\u5bb6\u9280\u884c\uff08\u4e2d\u592e\u9280\u884c\uff09<\/td>\n<\/tr>\n<tr>\n<td>2<\/td>\n<td>t\u00e0i kho\u1ea3n thanh to\u00e1n<\/td>\n<td>\u6c7a\u6e08\u53e3\u5ea7<\/td>\n<\/tr>\n<tr>\n<td>3<\/td>\n<td>\u1ea5n t\u01b0\u1ee3ng<\/td>\n<td>\u5370\u8c61\u7684\u306a<\/td>\n<\/tr>\n<tr>\n<td>4<\/td>\n<td>chuy\u1ec3n \u0111\u1ed5i s\u1ed1<\/td>\n<td>\u30c7\u30b8\u30bf\u30eb\u30c8\u30e9\u30f3\u30b9\u30d5\u30a9\u30fc\u30e1\u30fc\u30b7\u30e7\u30f3 (DX)<\/td>\n<\/tr>\n<tr>\n<td>5<\/td>\n<td>kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/td>\n<td>\u30ad\u30e3\u30c3\u30b7\u30e5\u30ec\u30b9\uff0f\u73fe\u91d1\u3092\u4f7f\u308f\u306a\u3044<\/td>\n<\/tr>\n<tr>\n<td>6<\/td>\n<td>v\u01b0\u1ee3t m\u1ee9c m\u1ee5c ti\u00eau<\/td>\n<td>\u76ee\u6a19\u3092\u4e0a\u56de\u308b<\/td>\n<\/tr>\n<tr>\n<td>7<\/td>\n<td>v\u00f9ng n\u00f4ng th\u00f4n<\/td>\n<td>\u8fb2\u6751\u90e8\uff0f\u7530\u820e<\/td>\n<\/tr>\n<tr>\n<td>8<\/td>\n<td>\u1ee9ng d\u1ee5ng di \u0111\u1ed9ng<\/td>\n<td>\u30e2\u30d0\u30a4\u30eb\u30a2\u30d7\u30ea<\/td>\n<\/tr>\n<tr>\n<td>9<\/td>\n<td>v\u00ed \u0111i\u1ec7n t\u1eed<\/td>\n<td>\u96fb\u5b50\u30de\u30cd\u30fc\uff0f\u96fb\u5b50\u30a6\u30a9\u30ec\u30c3\u30c8<\/td>\n<\/tr>\n<tr>\n<td>10<\/td>\n<td>qu\u00e9t m\u00e3 QR<\/td>\n<td>QR\u30b3\u30fc\u30c9\u3092\u30b9\u30ad\u30e3\u30f3\u3059\u308b<\/td>\n<\/tr>\n<tr>\n<td>11<\/td>\n<td>chuy\u1ec3n kho\u1ea3n<\/td>\n<td>\u9001\u91d1\uff0f\u632f\u308a\u8fbc\u307f<\/td>\n<\/tr>\n<tr>\n<td>12<\/td>\n<td>giao d\u1ecbch<\/td>\n<td>\u53d6\u5f15<\/td>\n<\/tr>\n<tr>\n<td>13<\/td>\n<td>qu\u00e1n v\u1ec9a h\u00e8<\/td>\n<td>\u5c4b\u53f0\uff0f\u8def\u4e0a\u306e\u304a\u5e97<\/td>\n<\/tr>\n<tr>\n<td>14<\/td>\n<td>\u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh<\/td>\n<td>\u30b9\u30de\u30fc\u30c8\u30d5\u30a9\u30f3<\/td>\n<\/tr>\n<tr>\n<td>15<\/td>\n<td>ph\u1ed5 c\u1eadp<\/td>\n<td>\u666e\u53ca\u3059\u308b<\/td>\n<\/tr>\n<tr>\n<td>16<\/td>\n<td>r\u1ee7i ro<\/td>\n<td>\u30ea\u30b9\u30af\uff0f\u5371\u967a\u6027<\/td>\n<\/tr>\n<tr>\n<td>17<\/td>\n<td>m\u1ea5t c\u1eafp<\/td>\n<td>\u76d7\u307e\u308c\u308b<\/td>\n<\/tr>\n<tr>\n<td>18<\/td>\n<td>th\u00fac \u0111\u1ea9y<\/td>\n<td>\u4fc3\u9032\u3059\u308b\uff0f\u5f8c\u62bc\u3057\u3059\u308b<\/td>\n<\/tr>\n<tr>\n<td>19<\/td>\n<td>n\u1ec1n kinh t\u1ebf s\u1ed1<\/td>\n<td>\u30c7\u30b8\u30bf\u30eb\u7d4c\u6e08<\/td>\n<\/tr>\n<tr>\n<td>20<\/td>\n<td>ng\u01b0\u1eddi ti\u00eau d\u00f9ng<\/td>\n<td>\u6d88\u8cbb\u8005<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<!-- Quick Adsense WordPress Plugin: http:\/\/quickadsense.com\/ -->\n<div class=\"225e1f455cb80acf7211d85defd27940\" data-index=\"1\" style=\"float: none; 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