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Introduction of Epayments | ePayments February 28, 2001 E-payments Conditions - Modern banking systems - Businesses are connected to internet, to banks - Legal framework (laws, decree, e-UCP.) - Security infrastructure for online payments - Purchase habits, business culture E-payment Current status of banking system - 1998, World Bank project “Modernizing the banking ans payment system in Vietnam” - Six major commercial banks completed in 2003 + Vietcombank, Techcombank, AgriBank, IDB, Exim Bank, Marine Bank - Implemented SWIFT (Society of Worldwide Interbank Financial Transactions www.swift.com) - ATM systems - Internet Banking E-payment Some barriers to e-payment - Legal values of electronic-documents in finanace, banking - Sucurity infrastruture, especially “comsumer’s protection” - Promote e-payment services to each businesses - 2006: trial process Details: Report VN’s Ecommerce status www.mot.gov.vn; www.ftu.edu.vn E-payments Tools: Payment card - Credit card: since 1996, 10 major banks, 2004: 125.000 . | ePayments February 28, 2001 E-payments Conditions - Modern banking systems - Businesses are connected to internet, to banks - Legal framework (laws, decree, e-UCP.) - Security infrastructure for online payments - Purchase habits, business culture E-payment Current status of banking system - 1998, World Bank project “Modernizing the banking ans payment system in Vietnam” - Six major commercial banks completed in 2003 + Vietcombank, Techcombank, AgriBank, IDB, Exim Bank, Marine Bank - Implemented SWIFT (Society of Worldwide Interbank Financial Transactions www.swift.com) - ATM systems - Internet Banking E-payment Some barriers to e-payment - Legal values of electronic-documents in finanace, banking - Sucurity infrastruture, especially “comsumer’s protection” - Promote e-payment services to each businesses - 2006: trial process Details: Report VN’s Ecommerce status www.mot.gov.vn; www.ftu.edu.vn E-payments Tools: Payment card - Credit card: since 1996, 10 major banks, 2004: 125.000 cards, increase rate 49%/year - Debit card: since 2002, 15 major banks, 760.000 cards, debit, small payments, money transfer. 10.000 card acceptance points, 800 ATMs - Purchase card: Viet Travel, Saigon Tourist, Citymart, www.golmart.com.vn. E-Payments Internet Banking - Bank for Foreign Trade of Vietnam www.vcb.com.vn - Vietnam Industrial & Commercial Bank www.icb.com.vn - Vietnam Technical & Commercial Bank www.techcombank.com.vn - Asia Comercial Bank www.acb.com.vn Customers: medium, large enterprices. E-payment Issues - Order of account holders & digital signatures - Desides credit card, the other cards do not use for online payment - E-commerce process is not completed without payment Current solutions: - Business Banks’s clients - Process of payment: Process of payment (example 1) www.vdcsieuthi.com.vn - Customers complete purchase orders, confirm payment order (payment modules on the website) - VDC forward card’s info to ACB to verify - ACB confirmed, debit customer’s .