SINGAPORE, ng\u00e0y 02 th\u00e1ng 10 n\u0103m 2024 \u2014 L\u00e0 m\u1ed9t c\u00f4ng ty Fintech c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Singapore, ROSHI \u0111\u00e3 ph\u00e1t h\u00e0nh b\u00e1o c\u00e1o chuy\u00ean s\u00e2u ph\u00e2n t\u00edch v\u1ec1 t\u01b0\u01a1ng lai c\u1ee7a l\u0129nh v\u1ef1c cho vay k\u1ef9 thu\u1eadt s\u1ed1, t\u1eadp trung v\u00e0o c\u00e1c xu h\u01b0\u1edbng to\u00e0n c\u1ea7u \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n s\u1ebd \u0111\u1ecbnh h\u00ecnh th\u1ecb tr\u01b0\u1eddng v\u00e0o n\u0103m 2025 v\u00e0 h\u01a1n th\u1ebf n\u1eefa. B\u00e1o c\u00e1o mang l\u1ea1i nh\u1eefng hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a chuy\u1ec3n \u0111\u1ed5i c\u00f4ng ngh\u1ec7 \u0111\u1ed1i v\u1edbi l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c h\u00ecnh th\u1ee9c cho vay.<\/p>\n
B\u00e1o c\u00e1o d\u1ef1 b\u00e1o nh\u1eefng t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 trong c\u00e1c l\u0129nh v\u1ef1c cho vay k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c nhau. C\u00e1c m\u00f4 h\u00ecnh cho vay s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) c\u00f3 kh\u1ea3 n\u0103ng \u0111\u00e1nh gi\u00e1 r\u1ee7i ro t\u00edn d\u1ee5ng, kh\u1ea3 n\u0103ng c\u1ea3i thi\u1ec7n hi\u1ec7u su\u1ea5t t\u1ed1t h\u01a1n t\u1eeb 10-15% so v\u1edbi c\u00e1c m\u00f4 h\u00ecnh truy\u1ec1n th\u1ed1ng. Th\u1ecb tr\u01b0\u1eddng cho vay ngang h\u00e0ng (peer-to-peer) to\u00e0n c\u1ea7u d\u1ef1 ki\u1ebfn s\u1ebd m\u1edf r\u1ed9ng \u0111\u00e1ng k\u1ec3, v\u1edbi c\u00e1c d\u1ef1 b\u00e1o cho th\u1ea5y n\u00f3 s\u1ebd v\u01b0\u1ee3t qua 705,81 t\u1ef7 USD v\u00e0o n\u0103m 2030, t\u0103ng tr\u01b0\u1edfng v\u1edbi t\u1ef7 l\u1ec7 CAGR 26,7% t\u1eeb n\u0103m 2022 \u0111\u1ebfn n\u0103m 2030.<\/p>\n
T\u00e0i ch\u00ednh phi t\u1eadp trung (DeFi) n\u1ed5i l\u00ean nh\u01b0 m\u1ed9t xu h\u01b0\u1edbng l\u1edbn v\u1edbi th\u1ecb tr\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 \u1edf m\u1ee9c 13,61 t\u1ef7 USD v\u00e0o n\u0103m 2022 v\u00e0 d\u1ef1 ki\u1ebfn s\u1ebd m\u1edf r\u1ed9ng v\u1edbi t\u1ef7 l\u1ec7 CAGR 46,0% t\u1eeb n\u0103m 2023 \u0111\u1ebfn n\u0103m 2030. B\u00e1o c\u00e1o c\u0169ng nh\u1ea5n m\u1ea1nh t\u1ea7m \u1ea3nh h\u01b0\u1edfng ng\u00e0y c\u00e0ng t\u0103ng c\u1ee7a ng\u00e2n h\u00e0ng m\u1edf (open banking), v\u00ec t\u00ednh \u0111\u1ebfn th\u00e1ng 1 n\u0103m 2024, 13% ng\u01b0\u1eddi ti\u00eau d\u00f9ng k\u1ef9 thu\u1eadt s\u1ed1 t\u00edch c\u1ef1c t\u1ea1i c\u00e1c th\u1ecb tr\u01b0\u1eddng l\u1edbn \u1edf ch\u00e2u \u00c2u \u0111\u00e3 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng m\u1edf.<\/p>\n
Nh\u00ecn chung, th\u1ecb tr\u01b0\u1eddng c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng cho vay k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang h\u01b0\u1edbng t\u1edbi s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 v\u1edbi c\u00e1c d\u1ef1 b\u00e1o cho th\u1ea5y n\u00f3 s\u1ebd \u0111\u1ea1t m\u1ee9c \u0111\u1ecbnh gi\u00e1 795,34 t\u1ef7 USD v\u00e0o n\u0103m 2029, t\u0103ng tr\u01b0\u1edfng v\u1edbi t\u1ef7 l\u1ec7 CAGR 11,90%.<\/p>\n
\u201cPh\u00e2n t\u00edch c\u1ee7a ch\u00fang t\u00f4i cho th\u1ea5y r\u1eb1ng b\u1ed1i c\u1ea3nh ng\u00e0nh cho vay \u0111ang tr\u1ea3i qua s\u1ef1 chuy\u1ec3n \u0111\u1ed5i s\u00e2u s\u1eafc, \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi AI, blockchain v\u00e0 c\u00f4ng ngh\u1ec7 ng\u00e2n h\u00e0ng m\u1edf,\u201d Amir Nada, Nh\u00e0 s\u00e1ng l\u1eadp v\u00e0 CEO c\u1ee7a ROSHI ph\u00e1t bi\u1ec3u. \u201cM\u1eb7c d\u00f9 nh\u1eefng ti\u1ebfn b\u1ed9 n\u00e0y mang l\u1ea1i c\u01a1 h\u1ed9i ch\u01b0a t\u1eebng c\u00f3 cho c\u1ea3 ng\u01b0\u1eddi cho vay v\u00e0 ng\u01b0\u1eddi \u0111i vay, ch\u00fang c\u0169ng \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c m\u1edbi v\u1ec1 m\u1eb7t quy \u0111\u1ecbnh v\u00e0 b\u1ea3o m\u1eadt d\u1eef li\u1ec7u.\u201d<\/p>\n
B\u00e1o c\u00e1o c\u0169ng kh\u00e1m ph\u00e1 s\u1ef1 gia t\u0103ng c\u1ee7a t\u00edn d\u1ee5ng xanh, c\u00e1 nh\u00e2n h\u00f3a trong c\u00e1c h\u00ecnh th\u1ee9c cho vay v\u00e0 nhi\u1ec1u th\u00e1ch th\u1ee9c trong quy \u0111\u1ecbnh c\u1ee7a to\u00e0n ng\u00e0nh. B\u00e1o c\u00e1o to\u00e0n di\u1ec7n n\u00e0y nh\u1eb1m cung c\u1ea5p nh\u1eefng th\u00f4ng tin c\u00f3 gi\u00e1 tr\u1ecb cho c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh, nh\u00e0 ho\u1ea1ch \u0111\u1ecbnh ch\u00ednh s\u00e1ch v\u00e0 ng\u01b0\u1eddi ti\u00eau d\u00f9ng.<\/p>\n
<\/p>\n
ROSHI ti\u1ebfp t\u1ee5c s\u1ee9 m\u1ec7nh cung c\u1ea5p nh\u1eefng nghi\u00ean c\u1ee9u minh b\u1ea1ch, d\u1ef1a tr\u00ean d\u1eef li\u1ec7u \u0111\u1ec3 gi\u00fap c\u00e1c b\u00ean li\u00ean quan \u0111i\u1ec1u h\u01b0\u1edbng b\u1ed1i c\u1ea3nh cho vay k\u1ef9 thu\u1eadt s\u1ed1 ph\u1ee9c t\u1ea1p v\u00e0 thay \u0111\u1ed5i nhanh ch\u00f3ng. B\u00e1o c\u00e1o \u0111\u1ea7y \u0111\u1ee7 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c truy c\u1eadp t\u1ea1i \u0111\u00e2y<\/a>.<\/p>\n ROSHI l\u00e0 m\u1ed9t c\u00f4ng ty fintech c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Singapore, \u0111ang trong qu\u00e1 tr\u00ecnh c\u00e1ch m\u1ea1ng h\u00f3a l\u0129nh v\u1ef1c cho vay k\u1ef9 thu\u1eadt s\u1ed1 tr\u00ean kh\u1eafp \u0110\u00f4ng Nam \u00c1. T\u1eadn d\u1ee5ng c\u00e1c thu\u1eadt to\u00e1n AI v\u00e0 m\u00e1y h\u1ecdc, n\u1ec1n t\u1ea3ng t\u1ef1 \u0111\u1ed9ng \u0111\u1ed9c quy\u1ec1n c\u1ee7a ROSHI cung c\u1ea5p c\u00e1c kho\u1ea3n vay t\u1ee9c th\u00ec<\/a> cho ng\u01b0\u1eddi vay. K\u1ec3 t\u1eeb khi ra m\u1eaft v\u00e0o th\u00e1ng 3 n\u0103m 2022, ROSHI \u0111\u00e3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho c\u00e1c kho\u1ea3n vay nh\u00e0 \u1edf v\u00e0 vay c\u00e1 nh\u00e2n<\/a> th\u00f4ng qua h\u1ee3p t\u00e1c v\u1edbi nhi\u1ec1u b\u00ean cho vay kh\u00e1c nhau, h\u1ed7 tr\u1ee3 h\u00e0ng tr\u0103m ng\u01b0\u1eddi ti\u00eau d\u00f9ng trong vi\u1ec7c nh\u1eadn \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t cho vay.<\/p>\n","protected":false},"excerpt":{"rendered":" SINGAPORE, ng\u00e0y 02 th\u00e1ng 10 n\u0103m 2024 \u2014 L\u00e0 m\u1ed9t c\u00f4ng ty Fintech c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Singapore, ROSHI \u0111\u00e3 ph\u00e1t h\u00e0nh b\u00e1o c\u00e1o chuy\u00ean s\u00e2u ph\u00e2n t\u00edch v\u1ec1 t\u01b0\u01a1ng lai c\u1ee7a l\u0129nh v\u1ef1c cho vay k\u1ef9 thu\u1eadt s\u1ed1, t\u1eadp trung v\u00e0o c\u00e1c xu h\u01b0\u1edbng to\u00e0n c\u1ea7u \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n s\u1ebd \u0111\u1ecbnh h\u00ecnh th\u1ecb tr\u01b0\u1eddng […]<\/p>\n","protected":false},"author":1,"featured_media":5503,"comment_status":"close","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-5501","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vietnam"],"_links":{"self":[{"href":"https:\/\/asiajournaux.com\/index.php?rest_route=\/wp\/v2\/posts\/5501","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/asiajournaux.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/asiajournaux.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/asiajournaux.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/asiajournaux.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5501"}],"version-history":[{"count":1,"href":"https:\/\/asiajournaux.com\/index.php?rest_route=\/wp\/v2\/posts\/5501\/revisions"}],"predecessor-version":[{"id":5502,"href":"https:\/\/asiajournaux.com\/index.php?rest_route=\/wp\/v2\/posts\/5501\/revisions\/5502"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/asiajournaux.com\/index.php?rest_route=\/wp\/v2\/media\/5503"}],"wp:attachment":[{"href":"https:\/\/asiajournaux.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5501"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/asiajournaux.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5501"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/asiajournaux.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5501"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}