headlines - mk.com.vn · entrust datacard also announced that its internet of things (iot) security...

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Internal e-Newsletter of MK Group

- Issue #56 | June, 2020

❖ 21st Anniversary of MK Group

❖ Vietnamese take increasingly to

cashless payments

❖ CaixaBank deploys ATMs with

facial-recognition technology

❖ New payment methods to drive

cashless payments

❖ JCB enables cross-border QR

code payment

❖ Reinventing Banking: 4

technologies to modernize your

consumer banking experience

Headlines

Editor-in-chef: Ms. Phan Thi Quynh Hoa – MD of MK Group

Note: All information and images in this internal magazine were collected and edited from various reputed sources by MK Group and u sed for knowledge-sharing purposes only.

| Email: [email protected]




21st anniversary of MK Group took place in an unusual context of COVID-19 pandemic. Since World

War II, this has been one of the most devastating epidemics. But for MK is “Calamity is man’s true

touch stone”.

For 21 years, MK has been persistently realizing the dream to create more hi-tech products, made in Vietnam

and made by Vietnamese.

Not only facing challenges from outside, MK also experiences problems within the organization. Without

sleeping on the past successes, MK’s leaders are frank and dare to look at what needs to be improved within

the organization to enable MK to move forward.

Mr. Nguyen Trong Khang – Chairman of MK Group said “To Be successful, we have to practice the following

culture: Dare to change – Never stop innovating – Ensure the deliverables with our customers & partners”.

In response to the COVID-19 pandemic, MK Group has had many action plans such as expand and upgrade

company’s facilities, improve production process, restructure work flows, etc. in order to maintain business

continuity.

A diversity of activities have been undertaken to ensure compliance to the regulations on security and quality

assurance of international organizations including VISA, MasterCard, JCB, UPI, NAPAS, GSMA, ISO. MK

invests more in advanced production systems to increase the capacity of card production up to 500 millions

cards per annum, especially the capacity of dual-interface chip cards. MK Smart’s card production not only

satisfies the needs of the domestic market but also regional and international markets. In 2019, MK Smart’s

card products exported to Japan has been awarded as one of the Top 10 key products of Hanoi by the Hanoi

Department of Industry and Trade. MK currently coverers a large market share of smart card market in

Vietnam. Our card products have been present in over 20 countries.

MK offers a range of solutions that relates to smart cards, security and secure transactions such as

KeypassTP, MK ABIS (Automated Biometrics Identification System), FIDO® KeyPass S1, smart card

issuance solutions,... At the same time, MK Group continues researching, and improving its portfolio to meet

up the stringent requirements of customers, solving problems in information security, cashless payment,

promotes the society’s transition towards smart city, e-government,…

Mr. Nguyen Trong Khang – Chairman of MK Group said, the target of MK Group in the next stage is to

continue focusing on R&D to launch new products and solutions and expand new business in Asia and other

continents including Latin Americas, Africa with the orientation of Smart – Digital- Security./.

21st Anniversary of MK Group

“In a flat world, without intensive Research &

Development and differentitation, it is hard

to break through.”

Mr. Nguyen Trong Khang – Chairman of MK Group




Entrust Datacard, a leading provider of trusted identity and secure issuance technology solutions, today announced

that it has joined the PTC Partner Network. Entrust Datacard also announced that its Internet of Things (IoT) security

platform, ioTrust™, has achieved ThingWorx Ready™ status.

The PTC ThingWorx Ready program enables technology companies to validate their products" interoperability with

PTC's ThingWorxÒ Industrial Internet of Things (IIoT) platform. Following a product's ThingWorx Ready designation,

that product becomes available on the PTC Marketplace, a digital space where PTC partners and customers can

access and promote IIoT tools, market-ready solutions, and innovative technologies designed to aid solution

deployments.

The ioTrust platform provides digital certificates to devices and sensors that wish to securely connect to ThingWorx.

By managing the chain of trust and associated certificate authorities, devices and sensors securely receive

credentials from ioTrust, which can be trusted by PTC applications. By doing this, all devices connecting to

ThingWorx can:

• Be cryptographically authenticated

• Secure data through TLS/SSL and payload encryption by using the ioTrust End Point Agent APIs to securely

access stored credentials

• Manage the lifecycle of digital certificates in a fully automated manner from a browser-based Management

Console

• Securely store, generate and manage the lifecycle of cryptographic keys and certificates on endpoints and

applications with an embeddable IoT Agent.

"In an environment of rapidly expanding IoT device networks, our goal is to ease security adoption and enable

secure access to IoT data for our customers," said Jon Ferguson, director of product software management at

Entrust Datacard. "We are excited to have our ioTrust IoT security platform validated as ThingWorx Ready. This

designation offers us an exciting opportunity to combine world-class security technology and Industrial IoT data with

device management capabilities. These integrations will make it easier for customers looking to leverage new secure

protocols and device-to-cloud service models."

"We're pleased to welcome Entrust Datacard to the PTC Partner Network," said Kevin O'Brien, senior vice president,

Strategic Alliances, PTC. "Our robust network enables us to offer our customers and partners innovative resources

that can add value to their IIoT solutions and help to accelerate time to business value."

(Entrust Datacard)

ioTrust™ by Entrust Datacard® Achieves

ThingWorx Ready Status




Trong năm 2016, các nhà sản xuất thẻ đã sản xuất 6,43 tỷ thẻ thanh toán trên toàn cầu, tăng

3,6% so với năm 2015. Thẻ thanh toán được thống kê bao gồm thẻ trả trước, thẻ tín dụng và

thẻ ghi nợ của MasterCard, Visa, UnionPay và thẻ ATM nội địa; thẻ American Express, Diners

Club, Discover, JCB, RuPay, Maestro; thẻ thanh toán bán lẻ, xăng dầu, y tế, hàng không, đỗ

xe và các loại thẻ thanh toán khác. Sự tăng lên trong sản lượng thẻ EMV đã dẫn đến việc

giảm số lượng thẻ từ được phát hành thời gian.

Trong lĩnh vực Thẻ thanh toán, 8 vị trí dẫn đầu danh sách vẫn không thay đổi so với năm

2015. Tổng số lượng thẻ của 8 “đại gia” này đạt 3,7 tỷ thẻ thanh toán, giảm 9,1% so với năm

2015.

Một trong những điểm nhấn ấn tượng của bản báo cáo lần này chính là MK Smart – thành

viên của MK Group đã được “xướng tên” là một trong những công ty có sự tăng trưởng ấn

tượng trong lượng thẻ sản xuất trong năm 2016 (tăng 58,2 triệu thẻ), tiếp theo đó là Toppan

Printing (tăng 27,5 triệu thẻ), Rosan Finance (tăng 11,7 triệu thẻ).

Theo xếp hạng của Nilson, MK Smart đứng trong TOP 15 về tổng sản lượng thẻ thanh toán

trong năm 2016 với 59 triệu thẻ, vượt qua DZ Card Thái Lan, trở thành nhà sản xuất thẻ lớn

nhất khu vực Đông Nam Á. Ngoài ra, khi xét riêng về thẻ thanh toán thương hiệu Visa và

MasterCard, MK Smart vươn lên vị trí thứ 8 trên bảng xếp hạng. Trong năm 2016, tổng sản

lượng thẻ sản xuất của MK Smart là 167 triệu thẻ với hơn 60% sản lượng được xuất khẩu

sang Nhật Bản và nhiều nước Châu Á, Châu Mỹ La tinh.

Sau 14 năm phát triển, MK Smart đã vươn lên trở thành một trong những cái tên tuổi lớn

trong ngành công nghiệp Thẻ, sánh với những nhà sản xuất thẻ lâu năm tại các quốc gia phát

triển như Gemalto, Oberthur, Giesecke & Devrient, đưa vị thế của Việt Nam trở nên đậm nét

hơn trong bản đồ các quốc gia sản xuất thẻ lớn trên thế giới.

MK Smart được thành lập năm 2003, là thành viên của Tập đoàn MK. Hiện nay MK Smart là

công ty hàng đầu Đông Nam Á trong lĩnh vực sản xuất thẻ thông minh phục vụ ngành viễn

thông (thẻ SIM), tài chính ngân hàng (thẻ từ và thẻ chip), các cơ quan, tổ chức và doanh

nghiệp. MK Smart là công ty Việt Nam duy nhất sở hữu công nghệ và kinh nghiệm về thẻ

chip, sản xuất thẻ SAM, công nghệ mã hóa và bảo mật.

MK Smart sở hữu 2 nhà máy sản xuất thẻ thông minh đặt tại KCN Quang Minh Hà Nội và

Khu Công nghệ cao Tp. HCM với quy mô lớn và hiện đại bậc nhất Việt Nam cũng như trong

khu vực. Với các chứng chỉ sản xuất thẻ tài chính Visa, MasterCard, JCB, Union Pay, MK

Smart được sản xuất thẻ cho các ngân hàng trong nước cũng như trong khu vực Châu Á-

TBD với chất lượng cao, giá cả hợp lý và thời gian giao hàng nhanh nhất.

Non-cash payments have increased sharply, especially through mobile devices and the internet, according to the State Bank of Vietnam. Speaking at a press briefing in HCM City on Tuesday to announce a series of events for Cashless Day 2020 (June 16), Pham Tien Dung, director of the central bank’s payment department, said the use of cash as a ratio of payments has gradually fallen over the years. Last year online payments went up by 64 per cent in terms of number of transactions and 37 per cent in terms of value, while mobile payments surged by 198 per cent and 210 per cent. Payment trends in the economy have shifted towards non-cash modes and e-banking channels including away from ATMs. Electronic payments for public services have also become popular. By the end of last year some 50 banks linked up with tax and customs departments, and tax collected through them accounted for 95 per cent of tax revenues. Electricity bills paid through banks and intermediary payment organisations doubled to nearly 90 per cent last year. At some hospitals, cashless payments accounted for 35 per cent of all bills. In the first quarter interbank electronic payment transactions rose by 21 per cent year-on-year. Dung said the SBV would continue to amend the legal framework to facilitate electronic payments. Prime minister Nguyen Xuan Phuc issued Directive No. 22/CT-TTg on May 26 to promote non-cash payments. He instructed the SBV to review and strengthen the legal framework for cashless and electronic payments that meets the requirements of new payment services and models and set up the automated clearing house (ACH) system for retail transactions by December 15. He instructed the Ministries of Industry and Trade, Finance, Health, Education and Training, and Transport to develop mechanisms and policies to encourage non-cash payments. According to SBV statistics, as of the end of last year the country had 88.5 million personal bank accounts, an 11 per cent increase from 2018. It is expected that by the end of this year 70 per cent of Vietnamese will have bank accounts. 2020 Cashless Day From now until June 16 there will be a series of programmes with many special incentives to promote cashless payments such as Supporting Vietnamese Agricultural Products, Non-cash Small Traders, Online Run, a webinar on cashless payments in Vietnam on June 10, and Cashless Week from June 10 to 16. The Supporting Vietnamese Agricultural Products programme will be carried out by Saigon Co.op together with Tuoi Tre (Youth) newspaper and Momo e-wallet from June 10 to 30 to support consumption of farm produce after the pandemic. Customers in HCM City can order lychee and ST Xuan Hong rice at cheap prices on MoMo, and the supermarket will deliver the products home. The Online Run tournament will be organsied by Sacombank and Tuoi tre. For each participant who completes their race between June 14 and 16, Sacombank will donate VND100,000 to frontline medical workers fighting the Covid-19 pandemic.

(bizhub) Cashless Day is organised by SBV, Tuoi Tre newspaper, Vietnam E-Commerce Association, and Napas, with Sacombank being the diamond sponsor.

CENTRAL CARD ISSUANCE SYSTEM

• Specially designed for mid- & high-range

personalization;

• Comprehensive features: smart card/

magnetic stripe encoding, embossing, indent

printing, laser engraving, etc.

• Modular system with flexible choices to meet

specific requirements of each card program;

• Comprehensive warranty – maintenance

service.

Vietnamese take increasingly to cashless payments




Google is piloting a feature that lets people authorise purchases with their voice through its Assistant tool. The trial, spotted by Android Police, lets people add a 'Confirm with Voice Match' option within the Google Assistant setting. Currently only available to some users, the feature is part of a pilot for Assistant-enabled speakers and smart displays. It only works for a handful of payment types, such as in-app purchases, and has limits on both transaction size and the number of payments that can be made in a day.

(Finextra)

Google tests voice confirmation for payments




CaixaBank ATMs throughout Spain are being equipped with facial-recognition technology that can validate up to

16,000 points on the user's face, guaranteeing a totally secure identification, according to a report in Atalayar. This

is the first system implemented in the world by a financial institution that can capture a user's image through the

terminal's internal camera, authenticating the user and permitting a withdrawal without requiring the user to manually

enter a pin number.

CaixaBank is planning to bring facial recognition to more than 30 offices throughout Spain including Barcelona and

Valencia. The expansion plan, which is expected to be completed by July 2020, will install 100 ATMs, give CaixaBank

one of the largest ATM networks in the world equipped with facial recognition technology.

CaixaBank first introduced ATM withdrawals using facial-recognition in February 2019, following a partnership with

FacePhi and Fujitsu.

(ATMmarketplace)

CaixaBank deploys ATMs with

facial-recognition technology




Ủy ban Quốc phòng và Nội vụ (PDIAC) thuộc Nghị viện Uganda đã yêu cầu Chính phù nước này đầu tư lớn để triển khai

chương trình phát hành hộ chiếu điện tử (ePassport). Theo PDIAC, Uganda sẽ cần phải đầu tư ít nhất 28 tỷ Shilling (khoảng

7,8 triệu USD) để thiết lập cơ sở hạ tầng ban đầu phục vụ hoạt động sản xuất hộ chiếu điện tử. Kinh phí cho toàn bộ dự án

sẽ vào khoảng 100 triệu USD. Dự án phát hành hộ chiếu điện tử, do Cơ quan Quản lý Công dân và Nhập cư Quốc gia của

nước này phụ trách, theo kế hoạch đã phải được triển khai từ tháng 1/2017, tuy nhiên dự án đã không thể thực hiện được

vì lý do thiếu vốn./.

(Security Document World)

Singapore thử nghiệm đăng ký cử tri điện tử bằng thẻ căn cước điện tử Singapore sẽ thử nghiệm hệ thống đăng ký bỏ phiếu mới được liên kết với thẻ căn cước thông minh. Cơ quan Bầu cử

Singapore (ELD) cho biết để đáp ứng yêu cầu của các phương tiện truyền thông, ELD sẽ thử nghiệm hệ thống quét mã vạch

ngay trên thẻ nhận dạng đăng ký quốc gia (NRIC) của các cử tri. ELD khẳng định hệ thống mới sẽ rút ngắn thời gian chờ

đợi cho các cử tri và giảm số lượng nhân viên phục vụ hoạt động đăng ký tại các điểm bầu cử. Theo ELD, cơ quan này dự

định thí điểm công nghệ đăng ký điện tử tại một cuộc bầu cử trong tương lai nhằm kiểm tra thủ tục và thu thập thông tin phản

hồi. ELD hiện vẫn chưa gọi thầu cho dự án thí điểm./.

(Security Document World)

Australia thử nghiệm công nghệ nhận dạng khuôn mặt tại

Đại hội Thể thao Khối Thịnh vượng chung Công nghệ nhận dạng khuôn mặt sẽ được sử dụng trong mạng lưới giao thông công cộng trong thời gian tổ chức Đại hội

Thể thao Khối Thịnh vượng chung 2018 (2018 Commonwealth Games) tại thành phố Gold Coast, bang Queensland, Australia

nhằm ngăn chặn nguy cơ khủng bố tại những khu vực công cộng và địa điểm thi đấu. Hệ thống nhận dạng tinh vi sẽ xác

định khuôn mặt của những kẻ tình nghi trong đám đông trên tàu, xe điện và xe buýt trong suốt 11 ngày diễn ra sự kiện. Hệ

thống này sẽ được kết nối với lực lượng phản ứng nhanh gồm cảnh sát và quân đội nhằm bảo vệ an toàn cho 1,5 triệu khán

giả tham dự sự kiện. 2018 Commonwealth Games sẽ được tổ chức tại thành phố Gold Coast, bang Queensland, Australia

từ ngày 4/4 đến ngày 15/4/2018. Cơ quan Cảnh sát Liên bang Australia chủ động đưa ra sáng kiến này bởi họ tin rằng Gold

Coast sẽ là thành phố hết sức phù hợp để thử nghiệm công nghệ do có được một hệ thống camera giám sát an ninh (CCTV)

chất lượng cao./.

(Planet Biometrics)

Mỹ: CBP kiểm soát xuất cảnh bằng công nghệ sinh trắc tại các sân bay Phó Cục trưởng Cục Hải quan và Biên phòng Mỹ (CBP), John Wagner cho biết cơ quan này sẽ triển khai chương trình kiểm

soát xuất cảnh sinh trắc bắt buộc, giúp xác định danh tính du khách nước ngoài khởi hành tại các sân bay trên lãnh thổ của

nước này. Thông báo trên được đưa ra vài tuần sau khi Bộ An ninh Nội địa Mỹ đưa ra báo cáo ước tính khoảng 629.000 du

khách tới nước này đã lưu lại quá hạn trong năm 2016 do thiếu một hệ thống kiểm soát xuất cảnh sinh trắc đồng bộ tại các

sân bay. CBP sẽ kết hợp hệ thốngnay vớiạng để hoàn thành các mục tiêu đề ra. Tuy nhiên, Phó Cục trưởng CBP thừa nhận

sẽ phát sinh một số vấn đề liên quan đến quyền riêng tư của cá nhân, đặc biệt khi sáng kiến nói trên cũng đề cập tới khả

năng áp dụng công nghệ nhận dạng khuôn mặt để chụp lại hình ảnh của các công dân Mỹ.

(Biometric Update)

by 7%, dwindling in most markets as consumers and businesses alike move to digital. Even in the US,

where cheque usage is much higher than in other markets, cheques are ceding their share to alternative

methods. The number of cashless payments is growing much faster than expenditure, indicating a shift

from cash to cashless for ever lower amounts, while the number of cash withdrawals at ATMs fell for the

first time in many years, by 3%.

According to the report, cards account for 57% of cashless payments. The uptick in payment card spending

can be attributed to more people entering the banking system as a result of financial inclusion efforts –

such as in India and Indonesia. Additionally, increased issuance of contactless cards, for example in China,

where all newly-issued cards must be contactless, is driving card usage, boosted by rising numbers of

EFTPOS terminals which accept such cards.

The study shows that $1.2 quadrillion was spent via cashless payment methods in 2018, up 6% on the

year before. While cards saw the highest growth in expenditure, they account for just 2% of cashless

spending, being typically used for everyday, low-value payments. Mobile payments, popular particularly in

areas with high smartphone penetration, are contributing to growing card usage for lower value

transactions, for example on public transport.

New alternative payment methods abound, for example in Russia where the Faster Payments System

introduced in 2019 allows consumers and businesses to make instant funds transfers via mobile phone

numbers and QR codes. Such initiatives, combined with rising levels of e-commerce which increasingly

drive card payments and credit transfers, indicate that cashless payments have yet to peak.

(paymentscardsandmobile)

New payment methods to drive cashless payments

Increasing financial inclusion efforts, the rapid

uptake of contactless and mobile payments, and the

introduction of new payment systems are

contributing to growth in cashless payments

worldwide.

A new study reveals that in 2018 the number of

cashless payments grew by 18% to reach 784 billion.

Payment cards and credit transfers were the greatest

contributors to this growth, with direct debit

payments increasing by just 6%.

Cheques continue to fall out of favour, and declined

https://www.paymentscardsandmobile.com/wp-content/uploads/2020/05/Number-of-cashless-payments-worldwide-by-type-2018.jpg




JCB enables cross-border QR code payment

As consumers seek greater speed and convenience in their payment transactions, merchants are increasingly

adopting QR code payments and other digital payment types. Digital wallets now account for 58% of regional

e-commerce purchases and are expected to reach almost 70% by 2023. Digital wallets also now surpass cash

at POS, accounting for 36% of in-store sales in 2019.

To meet this demand, JCB is driving acceptance of QR payments among consumers as part of its quest to

be the preferred card brand. JCB chose FIS because of its global footprint, deep network of local acquiring

licenses, and for the advanced capabilities of its Payments One switching and acquiring services platform.

The platform is customizable across a range of device and payment types. With this new payment method

integrated into the platform, partner banks can quickly and easily enable JCB QR Code Payment for their

client base.

JCB plans to first use the platform to handle QR payments between Vietnam and Thailand, with plans to roll

out across the APAC region.

“Improving the customer experience across the market is our number one goal,” says Kenta Seya, Executive

Vice President, Global Network Implementation Department at JCB. “By creating a cross-border solution, we

look forward to creating a more consistent experience for JCB card members as they travel, allowing them to

pay using their preferred method, no matter where they go. Working with FIS will give us the broad reach to

their partner banks globally to achieve the goal.”

“By integrating QR payments for JCB

cardholders through our Payments One

switching and acquiring services platform, our

partner banks will now have a way to deliver

QR-based payments faster than before,” said

Mahesh Ramamoorthy, Managing Director,

Banking Solutions, FIS.

(paymentscardsandmobile)




Reinventing Banking: 4 Technologies to Modernize Your

Consumer Banking Experience

In 2020, customer experience is expected to become the main

differentiator between brands. Already, nearly 90% of businesses say

they’re competing mainly on their customer experience. But unfortunately,

51% of consumers report that most companies aren’t meeting their

heightened expectations.

The silver lining here is that there is plenty of room for your financial

institution to break away from the pack and deliver banking experiences

that are sure to please customers.

How to Use Technology to Transform the Consumer Experience at

Your Bank

Whether you’re a legacy banking institution or are just breaking into this

competitive sector, this transformative technology helps you reinvent your

consumer banking experience to keep up with consumer demands.

Automate Customer Support with Chatbots

Today’s banking customers don’t just want convenience — they can get that from walk-up

ATMs. Modern technology has led them to expect quick, smart, around-the-clock customer

service that meets their specific needs.

Nearly 80% of North Americans say they’d trust computer-generated investment advice, a job

which is perfect for chatbots. Chatbots are software tools that use artificial intelligence to hold

simple conversations via text. These digital customer support “agents” empower banks to

provide informed and personalized advice around the clock. They also enable customers to

be more self-sufficient when it comes to completing simple tasks like checking balances,

ordering checks, and more.

Implement Modern Devices and Spaces

Not long ago, Apple reinvented the retail shopping experience by implementing sales

associates that brought the customer service and purchasing process to you, instead of the

other way around. Recently, some banks have started to catch on to this same strategy.

By supplying tellers with tablets, banks give employees the freedom to move around the

space so they can complete transactions faster and establish stronger bonds with customers.

This freedom of movement also means that banks can mix up their layouts to provide the

most comfortable and convenient customer experiences possible.

Some banks choose to stick with their existing floor plan, and some implement private pods

throughout the bank where more sensitive transactions can occur. And some — like a few

Numerica Credit Union branches in Washington — implement “tech bars” where customers

can use the branch’s mobile devices to take care of their paperwork and other digital banking

tasks.

While this is a relatively simple technological upgrade for banks to make, it’s also relatively

impactful for customers who still prefer to do their financial activities in-person.




3. Now you’ll create metadata, which is information that describes the content of

a digital item such as its name, topic, keywords, and more. The CMS you chose

earlier should have fields that allow you to attach metadata to digital items.

Personalization tools use this metadata to find and display the right content to the

right user segments.

4. Create personalization rules. Personalization engines run on rules that are

basically “if, then” statements that help them decide when certain pieces of content

are appropriate.

For example: “If the user has visited the site five times in the past 30 days but has

never had an account with us, then display messaging about the benefits of

signing up.”

5. Finally, you’ll use your CMS to create content that targets each customer

segment at each touchpoint. By attaching detailed metadata to this content, your

personalization engine can select the right messaging, at the right time, to the right

audience.

It’s important to remember that all of your personalization efforts will be for naught

if consumers never actually experience them. It would be best if you found a way

to deliver personalized experiences across the always-changing litany of channels

your customers use.

Seems like a heavy lift? It may be, but it’s doable with a headless content

management system.

Start Reinventing Your Retail Banking Experience Today with

Transformative Technology

Whether you choose to automate your customer support using chatbots,

implement mobile devices to reshape the in-branch experience, or automate

personalization, you’re taking action to give consumers the kind of banking

experience they demand. Even small steps toward personalization can have a

big impact on the customer experience. And with customer experience becoming

the primary differentiator among brands, that is a worthwhile investment.

Where will you start your transformation?

(paymentsjournal)

Personalize Each Customer’s Banking Experience

Eighty percent of consumers are more likely to do business with companies that

provide personalized experiences. When it comes to banking specifically, 40% of

customers said they would switch financial institutions to get more personalized

service.

A personalization engine automatically gathers context about a consumer and applies

predetermined rules to create unique and relevant content, suggestions, and other

interactions — at scale.

Scalability is the operative concept here. Over half of consumers interact with brands

on more than four different channels, and 90% expect their interactions to be

consistent across all of them. Manual personalization isn’t a smart investment in

today’s digital environment.

Here are the high-level tools and steps to creating a personalization engine from

scratch:

1. First, round up the content, data, and marketing management platforms that will run

your personalization engine. Start with the technologies improve consumer banking

experience(CMS) you’ll use to create and distribute the content that powers consumer

experiences. Ideally, choose an option that’s capable of integrating with

personalization tools.

If you’re already using a customer relationship management (CRM) platform, it should

help you develop behavioral insight about customers and leads. If you aren’t, good

options include Salesforce, HubSpot CRM, Zendesk, Intercom, and Insightly. You may

also choose to layer on a customer data platform (CDP) like Evergage or Exponea to

build more complete profiles. A data management platform (DMP) such as LiveRamp

or Clearbit can boost your personalization efforts by enabling you to gather and

leverage user data from your digital domains, partners, and third-party aggregators.

2. Next up, conduct behavior tracking. Whether monitoring consumer behavior

manually, using a website analytics platform, or implementing specific tracking

software, the goal is to learn where each of your essential customer segments

interacts with your brand on their journey to make a purchase.




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Brian Honan, Chủ tịch BH Consulting, Dublin, Cộng hòa Ireland, cho biết trong 8 năm qua, ông đã liên tục đưa ra những

lời kêu gọi khắc phục 5 trường hợp bảo mật yếu kém điển hình lại Hội nghị Tội phạm mạng. Cụ thể là:

Mật khẩu yếu

Thiếu bản vá lỗ hổng

Phần mềm diệt virus lỗi thời

Thiếu sự giám sát

Sử dụng những hệ thống dễ bị tổn thương, chẳng hạn như ColdFusion, Windows XP, WordPress lạc hậu và những hệ

thống tương tự khác. Brian Honan dự báo 5 “căn bệnh mãn tính” nói trên sẽ vẫn tiếp tục hành hạ thế giới bởi vẫn còn

rất nhiều tổ chức tiếp tục sử dụng công nghệ lạc hậu.

3. Thêm nhiều nỗi lo về bảo mật điểm cuối

Một trong vụ việc nghiêm trọng nhất trong năm 2017 là sự bùng phát dữ dội của mã độc tống tiền WannaCry. Theo

Avivah Litan - Phó Chủ tịch và là nhà phân tích cấp cao của Gartner, WannaCry có thể đã bị chặn đứng nếu mọi người

được cung cấp bản vá lỗi. Tuy vậy các tổ chức vẫn phải đối mặt với thách thức từ công tác quản lý bản vá.

“An ninh điểm cuối khác với quản lý công nghệ thông tin. Điều đó có nghĩa là chúng ta luôn dễ dàng triển khai các hệ

thống nhưng sẽ gặp rất nhiều khó khăn khi chuyển đổi hệ thống sang trạng thái ngoại tuyến để tiến hành hoạt động

bảo trì hoặc dành ưu tiên cho những lỗ hổng cần phải vá lại. Và kết quả là có hàng loạt hệ thống tồn tại những điểm

yếu điển hình. Không bất ngờ khi 80% đến 90% mã độc tống tiền đã lợi dụng những lỗi chung này”, Avivah Litan cho

biết.

Để khắc phục tình trạng nói trên, theo Avivah Litan, tất cả các tổ chức cần phải sử dụng phần mềm diệt virus “mới nhất

và tốt nhất” bởi vì các thế hệ mới sẽ có khả năng phát hiện và phản ứng tốt hơn, đặt biệt là những sản phẩm dựa trên

công nghệ điện toán đám mây.

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