{"id":5,"date":"2025-11-12T17:24:10","date_gmt":"2025-11-12T17:24:10","guid":{"rendered":"https:\/\/concept.growthrowstory.com\/?p=5"},"modified":"2025-11-12T17:24:10","modified_gmt":"2025-11-12T17:24:10","slug":"xu-huong-dau-tu-startup-fintech-nua-dau-nam-2025-than-trong-va-dot-pha","status":"publish","type":"post","link":"https:\/\/concept.growthrowstory.com\/?p=5","title":{"rendered":"Xu H\u01b0\u1edbng \u0110\u1ea7u T\u01b0 Startup Fintech N\u1eeda \u0110\u1ea7u N\u0103m 2025: Th\u1eadn Tr\u1ecdng v\u00e0 \u0110\u1ed9t Ph\u00e1"},"content":{"rendered":"

N\u1eeda \u0111\u1ea7u n\u0103m 2025 \u0111\u00e3 ch\u1ee9ng ki\u1ebfn m\u1ed9t b\u1ee9c tranh \u0111\u1ea7u t\u01b0 v\u00e0o l\u0129nh v\u1ef1c Fintech to\u00e0n c\u1ea7u v\u1edbi hai gam m\u00e0u \u0111\u1ed1i l\u1eadp: s\u1ef1 th\u1eadn tr\u1ecdng<\/strong> \u0111\u00e1ng k\u1ec3 t\u1eeb c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 nh\u1eefng \u0111\u1ed9t ph\u00e1<\/strong> c\u00f4ng ngh\u1ec7 m\u1ea1nh m\u1ebd \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i th\u1ecb tr\u01b0\u1eddng. Trong b\u1ed1i c\u1ea3nh kinh t\u1ebf v\u0129 m\u00f4 c\u00f2n nhi\u1ec1u bi\u1ebfn \u0111\u1ed9ng, d\u00f2ng v\u1ed1n \u0111\u00e3 tr\u1edf n\u00ean ch\u1ecdn l\u1ecdc h\u01a1n bao gi\u1edd h\u1ebft, nh\u01b0ng \u0111i\u1ec1u n\u00e0y l\u1ea1i m\u1edf \u0111\u01b0\u1eddng cho nh\u1eefng m\u00f4 h\u00ecnh kinh doanh th\u1ef1c s\u1ef1 c\u00f3 gi\u00e1 tr\u1ecb v\u00e0 kh\u1ea3 n\u0103ng sinh l\u1eddi b\u1ec1n v\u1eefng.<\/p>\n

T\u1ed5ng v\u1ed1n \u0111\u1ea7u t\u01b0 Fintech to\u00e0n c\u1ea7u trong s\u00e1u th\u00e1ng \u0111\u1ea7u n\u0103m \u0111\u1ea1t 44.7 t\u1ef7 USD<\/strong> v\u1edbi 2.216 giao d\u1ecbch. M\u1eb7c d\u00f9 con s\u1ed1 n\u00e0y cho th\u1ea5y s\u1ef1 \u1ed5n \u0111\u1ecbnh nh\u1ea5t \u0111\u1ecbnh, nh\u01b0ng n\u00f3 ph\u1ea3n \u00e1nh m\u1ed9t th\u1ef1c t\u1ebf l\u00e0 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang t\u00ecm ki\u1ebfm nh\u1eefng “vi\u00ean ng\u1ecdc qu\u00fd” thay v\u00ec r\u00f3t v\u1ed1n \u1ed3 \u1ea1t nh\u01b0 c\u00e1c chu k\u1ef3 tr\u01b0\u1edbc.<\/p>\n

1. Tr\u1ecdng T\u00e2m Chuy\u1ec3n D\u1ecbch: AI v\u00e0 T\u00e0i S\u1ea3n S\u1ed1 L\u00ean Ng\u00f4i<\/h3>\n

S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a Tr\u00ed tu\u1ec7 Nh\u00e2n t\u1ea1o (AI)<\/strong> kh\u00f4ng c\u00f2n l\u00e0 m\u1ed9t xu h\u01b0\u1edbng m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t y\u1ebfu t\u1ed1 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi c\u00e1c startup Fintech. C\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111ang \u01b0u ti\u00ean nh\u1eefng c\u00f4ng ty s\u1eed d\u1ee5ng AI \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh, c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd r\u1ee7i ro.<\/p>\n

\n

“AI-enablement” \u2014 vi\u1ec7c t\u00edch h\u1ee3p AI v\u00e0o c\u00e1c n\u1ec1n t\u1ea3ng Fintech hi\u1ec7n c\u00f3 ho\u1eb7c x\u00e2y d\u1ef1ng c\u00e1c gi\u1ea3i ph\u00e1p Fintech thu\u1ea7n AI (AI-native)<\/strong> \u2014 l\u00e0 \u0111i\u1ec3m n\u00f3ng thu h\u00fat v\u1ed1n.<\/p>\n<\/blockquote>\n

B\u00ean c\u1ea1nh \u0111\u00f3, l\u0129nh v\u1ef1c T\u00e0i s\u1ea3n s\u1ed1 (Digital Assets)<\/strong> ti\u1ebfp t\u1ee5c thu h\u00fat s\u1ef1 ch\u00fa \u00fd. S\u1ef1 quan t\u00e2m kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf ti\u1ec1n m\u00e3 h\u00f3a m\u00e0 c\u00f2n m\u1edf r\u1ed9ng sang c\u00e1c gi\u1ea3i ph\u00e1p Stablecoins<\/strong> v\u00e0 c\u00e1c t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c token h\u00f3a<\/strong>. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y s\u1ef1 tr\u01b0\u1edfng th\u00e0nh d\u1ea7n c\u1ee7a th\u1ecb tr\u01b0\u1eddng v\u00e0 s\u1ef1 ch\u1ea5p nh\u1eadn r\u1ed9ng r\u00e3i h\u01a1n t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh truy\u1ec1n th\u1ed1ng.<\/p>\n

\"Bi\u1ec3u<\/p>\n

2. S\u1ef1 T\u0103ng Tr\u01b0\u1edfng B\u1ea5t Ng\u1edd c\u1ee7a Insurtech v\u00e0 Regtech<\/h3>\n

Trong khi m\u1ea3ng thanh to\u00e1n (Payments) c\u00f3 d\u1ea5u hi\u1ec7u ch\u1eefng l\u1ea1i, hai l\u0129nh v\u1ef1c kh\u00e1c l\u1ea1i n\u1ed5i l\u00ean nh\u01b0 nh\u1eefng \u0111i\u1ec3m s\u00e1ng:<\/p>\n

    \n
  • Insurtech (B\u1ea3o hi\u1ec3m C\u00f4ng ngh\u1ec7):<\/strong> L\u0129nh v\u1ef1c n\u00e0y \u0111\u00e3 thu h\u00fat kho\u1ea3ng 4.8 t\u1ef7 USD<\/strong> v\u1ed1n \u0111\u1ea7u t\u01b0. S\u1ef1 t\u0103ng tr\u01b0\u1edfng n\u00e0y ch\u1ee7 y\u1ebfu \u0111\u1ebfn t\u1eeb nhu c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m nh\u00fang (embedded insurance)<\/strong>, t\u00edch h\u1ee3p c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m v\u00e0o c\u00e1c giao d\u1ecbch phi t\u00e0i ch\u00ednh (nh\u01b0 du l\u1ecbch, th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed), mang l\u1ea1i tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch cho ng\u01b0\u1eddi d\u00f9ng.<\/li>\n
  • Regtech (C\u00f4ng ngh\u1ec7 Qu\u1ea3n l\u00fd):<\/strong> Trong b\u1ed1i c\u1ea3nh chi ph\u00ed tu\u00e2n th\u1ee7 ng\u00e0y c\u00e0ng t\u0103ng v\u00e0 s\u1ef1 si\u1ebft ch\u1eb7t qu\u1ea3n l\u00fd t\u1eeb c\u00e1c c\u01a1 quan nh\u00e0 n\u01b0\u1edbc, c\u00e1c gi\u1ea3i ph\u00e1p Regtech gi\u00fap t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh t\u1ef1 \u0111\u1ed9ng h\u00f3a vi\u1ec7c tu\u00e2n th\u1ee7, gi\u1ea3m thi\u1ec3u chi ph\u00ed v\u00e0 r\u1ee7i ro \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 h\u1ea5p d\u1eabn.<\/li>\n<\/ul>\n

    3. Ch\u00e2u \u00c1 – Th\u00e1i B\u00ecnh D\u01b0\u01a1ng: C\u01a1 H\u1ed9i Trong Th\u00e1ch Th\u1ee9c<\/h3>\n

    Th\u1ecb tr\u01b0\u1eddng Ch\u00e2u \u00c1 – Th\u00e1i B\u00ecnh D\u01b0\u01a1ng (ASPAC) cho th\u1ea5y s\u1ef1 s\u1ee5t gi\u1ea3m r\u00f5 r\u1ec7t, v\u1edbi t\u1ed5ng v\u1ed1n \u0111\u1ea7u t\u01b0 ch\u1ec9 \u0111\u1ea1t 4.3 t\u1ef7 USD<\/strong> trong H1 2025, gi\u1ea3m m\u1ea1nh so v\u1edbi n\u1eeda cu\u1ed1i n\u0103m 2024. Tuy nhi\u00ean, s\u1ef1 s\u1ee5t gi\u1ea3m n\u00e0y kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c th\u1ecb tr\u01b0\u1eddng m\u1ea5t \u0111i ti\u1ec1m n\u0103ng, m\u00e0 l\u00e0 s\u1ef1 thanh l\u1ecdc c\u1ea7n thi\u1ebft.<\/p>\n

    C\u00e1c giao d\u1ecbch l\u1edbn v\u1eabn t\u1eadp trung \u1edf nh\u1eefng th\u1ecb tr\u01b0\u1eddng c\u00f3 n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 v\u1eefng ch\u1eafc v\u00e0 quy m\u00f4 d\u00e2n s\u1ed1 l\u1edbn nh\u01b0 \u1ea4n \u0110\u1ed9, Singapore. \u0110\u1eb7c bi\u1ec7t, xu h\u01b0\u1edbng Fintech Xanh (Green Fintech)<\/strong>, t\u1eadp trung v\u00e0o c\u00e1c gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh b\u1ec1n v\u1eefng v\u00e0 ESG (M\u00f4i tr\u01b0\u1eddng, X\u00e3 h\u1ed9i v\u00e0 Qu\u1ea3n tr\u1ecb), \u0111ang b\u1eaft \u0111\u1ea7u t\u1ea1o ra l\u00e0n s\u00f3ng m\u1edbi t\u1ea1i khu v\u1ef1c n\u00e0y.<\/p>\n

    \"B\u1ea3n<\/p>\n

    4. B\u1ea3ng T\u1ed5ng H\u1ee3p C\u00e1c L\u0129nh V\u1ef1c Thu H\u00fat V\u1ed1n<\/h3>\n

    \u0110\u1ec3 c\u00f3 c\u00e1i nh\u00ecn tr\u1ef1c quan h\u01a1n v\u1ec1 s\u1ef1 d\u1ecbch chuy\u1ec3n c\u1ee7a d\u00f2ng v\u1ed1n, d\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng so s\u00e1nh c\u00e1c l\u0129nh v\u1ef1c Fintech n\u1ed5i b\u1eadt trong n\u1eeda \u0111\u1ea7u n\u0103m 2025:<\/p>\n\n\n\n\n\n\n\n\n\n
    L\u0129nh v\u1ef1c Fintech<\/th>\nXu h\u01b0\u1edbng \u0110\u1ea7u t\u01b0 H1 2025<\/th>\nM\u1ee9c \u0111\u1ed9 T\u0103ng tr\u01b0\u1edfng (D\u1ef1 ki\u1ebfn)<\/th>\nG\u1ee3i \u00fd C\u00f4ng ngh\u1ec7 \u0110\u1ed9t ph\u00e1<\/th>\n<\/tr>\n<\/thead>\n
    AI-enablement<\/strong><\/td>\nR\u1ea5t cao, t\u1eadp trung v\u00e0o hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro.<\/td>\nM\u1ea1nh<\/td>\nMachine Learning, X\u1eed l\u00fd Ng\u00f4n ng\u1eef T\u1ef1 nhi\u00ean (NLP)<\/td>\n<\/tr>\n
    Digital Assets<\/strong><\/td>\nCao, t\u1eadp trung v\u00e0o Stablecoins v\u00e0 Tokenization.<\/td>\n\u1ed4n \u0111\u1ecbnh<\/td>\nC\u00f4ng ngh\u1ec7 Blockchain, H\u1ee3p \u0111\u1ed3ng Th\u00f4ng minh<\/td>\n<\/tr>\n
    Insurtech<\/strong><\/td>\nCao, nh\u1edd v\u00e0o m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0 AI.<\/td>\nM\u1ea1nh<\/td>\nT\u1ef1 \u0111\u1ed9ng h\u00f3a quy tr\u00ecnh b\u1ed3i th\u01b0\u1eddng, Ph\u00e2n t\u00edch d\u1eef li\u1ec7u l\u1edbn<\/td>\n<\/tr>\n
    Regtech<\/strong><\/td>\nTrung b\u00ecnh – Cao, do nhu c\u1ea7u t\u1ed1i \u01b0u h\u00f3a chi ph\u00ed tu\u00e2n th\u1ee7.<\/td>\n\u1ed4n \u0111\u1ecbnh<\/td>\nT\u1ef1 \u0111\u1ed9ng h\u00f3a b\u00e1o c\u00e1o, Gi\u00e1m s\u00e1t giao d\u1ecbch theo th\u1eddi gian th\u1ef1c<\/td>\n<\/tr>\n
    Payments<\/strong><\/td>\nTrung b\u00ecnh, th\u1ecb tr\u01b0\u1eddng b\u00e3o h\u00f2a, t\u1eadp trung v\u00e0o B2B v\u00e0 xuy\u00ean bi\u00ean gi\u1edbi.<\/td>\nTh\u1ea5p<\/td>\nThanh to\u00e1n t\u1ee9c th\u1eddi (Real-time payments), API m\u1edf<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    K\u1ebft lu\u1eadn<\/h3>\n

    N\u1eeda \u0111\u1ea7u n\u0103m 2025 l\u00e0 giai \u0111o\u1ea1n m\u00e0 ch\u1ea5t l\u01b0\u1ee3ng \u0111\u01b0\u1ee3c \u0111\u1eb7t l\u00ean h\u00e0ng \u0111\u1ea7u. C\u00e1c startup Fintech mu\u1ed1n thu h\u00fat v\u1ed1n c\u1ea7n ch\u1ee9ng minh \u0111\u01b0\u1ee3c kh\u00f4ng ch\u1ec9 kh\u1ea3 n\u0103ng \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 m\u00e0 c\u00f2n c\u1ea3 m\u00f4 h\u00ecnh kinh doanh b\u1ec1n v\u1eefng, kh\u1ea3 n\u0103ng t\u1ea1o ra l\u1ee3i nhu\u1eadn r\u00f5 r\u00e0ng v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u1eadn d\u1ee5ng tri\u1ec7t \u0111\u1ec3 s\u1ee9c m\u1ea1nh c\u1ee7a AI \u0111\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 c\u1ed1t l\u00f5i c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh. S\u1ef1 ch\u1ecdn l\u1ecdc c\u1ee7a nh\u00e0 \u0111\u1ea7u t\u01b0 l\u00e0 m\u1ed9t t\u00edn hi\u1ec7u t\u00edch c\u1ef1c, th\u00fac \u0111\u1ea9y th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n m\u1ed9t c\u00e1ch l\u00e0nh m\u1ea1nh v\u00e0 chuy\u00ean nghi\u1ec7p h\u01a1n.<\/p>","protected":false},"excerpt":{"rendered":"

    N\u1eeda \u0111\u1ea7u n\u0103m 2025 \u0111\u00e3 ch\u1ee9ng ki\u1ebfn m\u1ed9t b\u1ee9c tranh \u0111\u1ea7u t\u01b0 v\u00e0o l\u0129nh v\u1ef1c Fintech to\u00e0n c\u1ea7u v\u1edbi hai gam m\u00e0u \u0111\u1ed1i l\u1eadp: s\u1ef1 th\u1eadn tr\u1ecdng \u0111\u00e1ng k\u1ec3 t\u1eeb c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0 nh\u1eefng \u0111\u1ed9t ph\u00e1 c\u00f4ng ngh\u1ec7 m\u1ea1nh m\u1ebd \u0111ang \u0111\u1ecbnh h\u00ecnh l\u1ea1i th\u1ecb tr\u01b0\u1eddng. Trong b\u1ed1i c\u1ea3nh kinh t\u1ebf v\u0129 m\u00f4 […]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/concept.growthrowstory.com\/index.php?rest_route=\/wp\/v2\/posts\/5","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/concept.growthrowstory.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/concept.growthrowstory.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/concept.growthrowstory.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/concept.growthrowstory.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5"}],"version-history":[{"count":0,"href":"https:\/\/concept.growthrowstory.com\/index.php?rest_route=\/wp\/v2\/posts\/5\/revisions"}],"wp:attachment":[{"href":"https:\/\/concept.growthrowstory.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/concept.growthrowstory.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/concept.growthrowstory.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}