{"id":92974,"date":"2025-11-19T09:21:27","date_gmt":"2025-11-19T02:21:27","guid":{"rendered":"https:\/\/itviec.com\/blog\/?p=92974"},"modified":"2026-06-22T11:48:46","modified_gmt":"2026-06-22T04:48:46","slug":"hanh-trinh-xay-dung-ai-trong-fintech-tai-mfv","status":"publish","type":"post","link":"https:\/\/itviec.com\/blog\/hanh-trinh-xay-dung-ai-trong-fintech-tai-mfv\/","title":{"rendered":"H\u00e0nh tr\u00ecnh x\u00e2y n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc c\u00f9ng Money Forward Vietnam: Tri\u1ebft l\u00fd Build to Last v\u00e0 T\u1ea7m nh\u00ecn User Focus"},"content":{"rendered":"\n<p>Trong k\u1ef7 nguy\u00ean m\u1edbi, c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi nh\u01b0 AI \u0111ang kh\u00f4ng ch\u1ec9 \u0111\u1ecbnh h\u00ecnh l\u1ea1i th\u1ebf gi\u1edbi Fintech, m\u00e0 c\u00f2n m\u1edf ra v\u00f4 v\u00e0n c\u01a1 h\u1ed9i to\u00e0n c\u1ea7u cho k\u1ef9 s\u01b0 Vi\u1ec7t Nam. Tuy nhi\u00ean, \u0111i k\u00e8m v\u1edbi ti\u1ec1m n\u0103ng lu\u00f4n lu\u00f4n l\u00e0 th\u00e1ch th\u1ee9c, v\u00e0 h\u00e0nh tr\u00ecnh ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c doanh nghi\u1ec7p Fintech c\u0169ng nh\u01b0 \u0111\u1ed9i ng\u0169 k\u1ef9 s\u01b0 IT t\u1ea1i Vi\u1ec7t Nam c\u1ea7n th\u00edch \u1ee9ng nhanh \u2013 s\u00e1ng t\u1ea1o \u2013 v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng gi\u00e1 tr\u1ecb d\u00e0i h\u1ea1n, n\u01a1i con ng\u01b0\u1eddi v\u00e0 c\u00f4ng ngh\u1ec7 c\u00f9ng ph\u00e1t tri\u1ec3n.<\/p>\n\n\n\n<p>ITviec vinh d\u1ef1 \u0111\u1ed3ng h\u00e0nh c\u00f9ng <a href=\"https:\/\/itviec.com\/companies\/money-forward-vietnam-co-ltd\">Money Forward Vi\u1ec7t Nam (MFV)<\/a>, m\u1ed9t trong nh\u1eefng t\u00ean tu\u1ed5i ti\u00ean phong \u1ee9ng d\u1ee5ng v\u00e0 x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng AI v\u1eefng ch\u1eafc trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh s\u1ed1 (Fintech), chia s\u1ebb h\u00e0nh tr\u00ecnh v\u00e0 chi\u1ebfn l\u01b0\u1ee3c ph\u00e1t tri\u1ec3n AI c\u1ee7a m\u00ecnh. Bu\u1ed5i tr\u00f2 chuy\u1ec7n c\u00f9ng ITviec c\u00f3 s\u1ef1 tham gia c\u1ee7a anh V\u0169 Minh H\u01b0ng, Principal AI Engineer t\u1ea1i MFV, \u0111\u1ec3 l\u00e0m r\u00f5 c\u00e1ch MFV \u0111\u01b0a AI th\u1ef1c s\u1ef1 \u0111i v\u00e0o s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh.<\/p>\n\n\n\n<p>L\u1eafng nghe chia s\u1ebb tr\u1ef1c ti\u1ebfp t\u1eeb anh H\u01b0ng trong video d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"AI, Data Interview #7: H\u00e0nh tr\u00ecnh x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng AI Fintech t\u1ea1i Money Forward Vietnam\" width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/Xgo1FyKckzo?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>V\u00e0 sau \u0111\u00e2y, c\u00f9ng ITviec recap n\u1ed9i dung gi\u00e1 tr\u1ecb t\u1eeb bu\u1ed5i ph\u1ecfng v\u1ea5n nh\u00e9!<\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-b\u1ed1i-c\u1ea3nh-va-tri\u1ebft-ly-c\u1ed1t-loi-c\u1ee7a-ai-trong-fintech\">B\u1ed1i c\u1ea3nh v\u00e0 Tri\u1ebft l\u00fd c\u1ed1t l\u00f5i c\u1ee7a AI trong Fintech<\/h1>\n\n\n\n<p>AI kh\u00f4ng c\u00f2n l\u00e0 c\u00e2u chuy\u1ec7n c\u1ee7a t\u01b0\u01a1ng lai m\u00e0 \u0111ang t\u1eebng ng\u00e0y \u0111\u1ecbnh h\u00ecnh c\u00e1ch c\u00e1c doanh nghi\u1ec7p v\u1eadn h\u00e0nh, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong l\u0129nh v\u1ef1c Fintech. Trong l\u0129nh v\u1ef1c n\u00e0y, AI th\u1eadm ch\u00ed \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t &#8220;l\u00e1 ch\u1eafn kh\u00f4ng th\u1ec3 thi\u1ebfu&#8221;.<\/p>\n\n\n\n<p>B\u00e1o c\u00e1o t\u1eeb <a href=\"https:\/\/coinlaw.io\/ai-in-banking-statistics\/?utm_source=chatgpt.com\">CoinLaw<\/a> (th\u00e1ng 7\/2025) cho bi\u1ebft 87% t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u00e3 \u1ee9ng d\u1ee5ng AI \u0111\u1ec3 ph\u00e1t hi\u1ec7n gian l\u1eadn v\u00e0 c\u00e1c h\u1ec7 th\u1ed1ng n\u00e0y \u0111\u00e3 ch\u1eb7n th\u00e0nh c\u00f4ng \u0111\u1ebfn 92% giao d\u1ecbch gi\u1ea3 m\u1ea1o tr\u01b0\u1edbc khi x\u00e1c th\u1ef1c<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-tri\u1ebft-ly-va-hanh-trinh-phat-tri\u1ec3n-ai-t\u1ea1i-mfv\"><strong>Tri\u1ebft l\u00fd v\u00e0 H\u00e0nh tr\u00ecnh Ph\u00e1t tri\u1ec3n AI t\u1ea1i MFV<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u00e0nh tr\u00ecnh L\u1ecbch s\u1eed: H\u00e0nh tr\u00ecnh AI c\u1ee7a MFV l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh d\u00e0i h\u1ea1n. Ngay t\u1eeb n\u0103m 2024 (v\u00e0 tr\u01b0\u1edbc \u0111\u00f3), MFV \u0111\u00e3 b\u1eaft \u0111\u1ea7u x\u00e2y d\u1ef1ng c\u00e1c n\u1ec1n t\u1ea3ng k\u1ebf th\u1eeba c\u00f4ng ngh\u1ec7 t\u1eeb t\u1eadp \u0111o\u00e0n Money Forward t\u1ea1i Nh\u1eadt B\u1ea3n, v\u00ed d\u1ee5 nh\u01b0 AI v\u1ec1 OCR (nh\u1eadn d\u1ea1ng k\u00fd t\u1ef1 quang h\u1ecdc).<\/li>\n\n\n\n<li>B\u01b0\u1edbc ngo\u1eb7t Quan tr\u1ecdng: \u0110\u1ebfn n\u0103m 2025, ph\u00f2ng AI Department ch\u00ednh th\u1ee9c \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp, hi\u1ec7n c\u00f3 g\u1ea7n 30 th\u00e0nh vi\u00ean, trong \u0111\u00f3 c\u00f3 9 k\u1ef9 s\u01b0 chuy\u00ean tr\u00e1ch v\u1ec1 AI. \u0110\u00e2y l\u00e0 c\u1ed9t m\u1ed1c \u0111\u00e1nh d\u1ea5u AI tr\u1edf th\u00e0nh m\u1ed9t gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i trong n\u0103ng l\u1ef1c v\u00e0 s\u1ea3n ph\u1ea9m v\u1eadn h\u00e0nh c\u1ee7a MFV, kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf nghi\u00ean c\u1ee9u hay th\u1eed nghi\u1ec7m.<\/li>\n\n\n\n<li>Tri\u1ebft l\u00fd C\u1ed1t l\u00f5i: MFV theo tri\u1ebft l\u00fd <strong>Build to Last<\/strong>. M\u1ecdi chi\u1ebfn l\u01b0\u1ee3c AI \u0111\u1ec1u xu\u1ea5t ph\u00e1t t\u1eeb tri\u1ebft l\u00fd s\u1ea3n ph\u1ea9m r\u00f5 r\u00e0ng, t\u1eadp trung v\u00e0o c\u00e1c gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i theo \u0111\u1ecbnh h\u01b0\u1edbng <strong>User Focus<\/strong> (\u0111\u1eb7t ng\u01b0\u1eddi d\u00f9ng l\u00e0m trung t\u00e2m). T\u1ea7m nh\u00ecn chung c\u1ee7a MFV l\u00e0 <strong>&#8220;Become the financial platform for all&#8221;<\/strong> (tr\u1edf th\u00e0nh n\u1ec1n t\u1ea3ng t\u00e0i ch\u00ednh cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi).<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-chi\u1ebfn-l\u01b0\u1ee3c-phat-tri\u1ec3n-ai-con-ng\u01b0\u1eddi-d\u1eef-li\u1ec7u-va-van-hoa\">Chi\u1ebfn l\u01b0\u1ee3c Ph\u00e1t tri\u1ec3n AI: Con ng\u01b0\u1eddi, D\u1eef li\u1ec7u v\u00e0 V\u0103n h\u00f3a<\/h1>\n\n\n\n<p>Chi\u1ebfn l\u01b0\u1ee3c AI c\u1ee7a MFV \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean ba y\u1ebfu t\u1ed1 quan tr\u1ecdng:<\/p>\n\n\n\n<p><strong>1. Con ng\u01b0\u1eddi:<\/strong> \u0110\u1ed9i ng\u0169 AI \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng t\u1eeb nh\u1eefng k\u1ef9 s\u01b0 gi\u00e0u kinh nghi\u1ec7m, lu\u00f4n t\u00f2 m\u00f2, th\u00edch kh\u00e1m ph\u00e1 v\u00e0 s\u1eb5n s\u00e0ng h\u1ecdc h\u1ecfi c\u00f4ng ngh\u1ec7 m\u1edbi. MFV tin r\u1eb1ng y\u1ebfu t\u1ed1 con ng\u01b0\u1eddi l\u00e0 quan tr\u1ecdng nh\u1ea5t \u0111\u1ec3 th\u00edch \u1ee9ng v\u1edbi t\u1ed1c \u0111\u1ed9 thay \u0111\u1ed5i nhanh ch\u00f3ng c\u1ee7a c\u00f4ng ngh\u1ec7.<\/p>\n\n\n\n<p><strong>2. D\u1eef li\u1ec7u: <\/strong>MFV c\u00f3 s\u1ea3n ph\u1ea9m tr\u00ean th\u1ecb tr\u01b0\u1eddng trong v\u00e0 ngo\u00e0i n\u01b0\u1edbc, cung c\u1ea5p d\u1eef li\u1ec7u th\u1ef1c t\u1ebf v\u00f4 gi\u00e1 gi\u00fap AI hi\u1ec3u s\u00e2u h\u01a1n v\u1ec1 h\u00e0nh vi ng\u01b0\u1eddi d\u00f9ng. Do d\u1eef li\u1ec7u t\u00e0i ch\u00ednh l\u00e0 nh\u1ea1y c\u1ea3m, b\u00e0i to\u00e1n b\u1ea3o m\u1eadt d\u1eef li\u1ec7u l\u00e0 c\u1ef1c k\u1ef3 thi\u1ebft y\u1ebfu.<\/p>\n\n\n\n<p><strong>3. V\u0103n h\u00f3a: <\/strong>V\u0103n h\u00f3a h\u1ecdc h\u1ecfi l\u00e0 m\u1ed9t gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i, khuy\u1ebfn kh\u00edch nh\u00e2n s\u1ef1 kh\u00f4ng ng\u1eebng th\u1eed nghi\u1ec7m, c\u1ea3i ti\u1ebfn v\u00e0 chia s\u1ebb ki\u1ebfn th\u1ee9c. MFV \u0111\u00e3 c\u1eadp nh\u1eadt V\u0103n ho\u00e1 th\u1ee9 6, Evolution (ti\u1ebfn ho\u00e1 kh\u00f4ng ng\u1eebng), \u0111\u1ec3 nh\u1ea5n m\u1ea1nh t\u1ea7m quan tr\u1ecdng c\u1ee7a vi\u1ec7c th\u00edch \u1ee9ng v\u00e0 ph\u00e1t tri\u1ec3n v\u1eefng m\u1ea1nh.<\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-ti\u1ec1m-nang-va-thach-th\u1ee9c-c\u1ee7a-ai-trong-fintech-3-5-nam-t\u1edbi\">Ti\u1ec1m n\u0103ng v\u00e0 Th\u00e1ch th\u1ee9c c\u1ee7a AI trong Fintech (3-5 n\u0103m t\u1edbi)<\/h1>\n\n\n\n<p>S\u1ef1 xu\u1ea5t hi\u1ec7n c\u1ee7a ChatGPT v\u00e0o cu\u1ed1i n\u0103m 2022 \u0111\u00e3 m\u1edf ra ti\u1ec1m n\u0103ng r\u1ea5t l\u1edbn cho AI n\u00f3i chung v\u00e0 AI trong fintech n\u00f3i ri\u00eang<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-ti\u1ec1m-nang\"><strong>Ti\u1ec1m n\u0103ng<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AI tr\u1edf th\u00e0nh tr\u1ee3 l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n ho\u00e1 (Financial partner): <\/strong>M\u1ed7i ng\u01b0\u1eddi s\u1ebd c\u00f3 m\u1ed9t AI financial partner ri\u00eang bi\u1ec7t, c\u00f3 th\u1ec3 hi\u1ec3u nhu c\u1ea7u c\u00e1 nh\u00e2n, h\u00e0nh vi chi ti\u00eau \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh th\u00f4ng minh h\u01a1n.<\/li>\n\n\n\n<li><strong>T\u0103ng t\u1ed1c t\u1ef1 \u0111\u1ed9ng ho\u00e1 trong quy tr\u00ecnh doanh nghi\u1ec7p: <\/strong>T\u00e1c nh\u00e2n AI h\u1ed7 tr\u1ee3 x\u1eed l\u00fd nhanh ch\u00f3ng v\u00e0 ch\u00ednh x\u00e1c c\u00e1c quy tr\u00ecnh k\u1ebf to\u00e1n, nh\u00e2n s\u1ef1, ch\u1ee9ng t\u1eeb.<\/li>\n\n\n\n<li><strong>C\u1ea7u n\u1ed1i v\u01b0\u01a1n ra th\u1ecb tr\u01b0\u1eddng th\u1ebf gi\u1edbi: <\/strong>AI gi\u00fap chu\u1ea9n h\u00f3a d\u1eef li\u1ec7u v\u00e0 ng\u00f4n ng\u1eef, gi\u1ea3m thi\u1ec3u \u0111\u00e1ng k\u1ec3 r\u00e0o c\u1ea3n v\u0103n h\u00f3a khi \u0111\u01b0a s\u1ea3n ph\u1ea9m ra th\u1ecb tr\u01b0\u1eddng n\u01b0\u1edbc ngo\u00e0i.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-thach-th\u1ee9c\"><strong>Th\u00e1ch th\u1ee9c<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ch\u1ea5t l\u01b0\u1ee3ng d\u1eef li\u1ec7u v\u00e0 quy\u1ec1n ri\u00eang t\u01b0: <\/strong>D\u1eef li\u1ec7u t\u00e0i ch\u00ednh l\u00e0 v\u1ea5n \u0111\u1ec1 r\u1ea5t nh\u1ea1y c\u1ea3m, \u0111\u00f2i h\u1ecfi vi\u1ec7c b\u1ea3o m\u1eadt d\u1eef li\u1ec7u ph\u1ea3i l\u00e0 b\u00e0i to\u00e1n thi\u1ebft y\u1ebfu.<\/li>\n\n\n\n<li><strong>\u0110\u01b0a m\u00f4 h\u00ecnh AI v\u00e0o s\u1ea3n ph\u1ea9m th\u1eadt s\u1ef1: <\/strong>C\u1ea7n ph\u1ea3i ki\u1ec3m th\u1eed v\u00e0 c\u1eadp nh\u1eadt m\u00f4 h\u00ecnh th\u01b0\u1eddng xuy\u00ean \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o m\u00f4 h\u00ecnh gi\u1eef \u0111\u01b0\u1ee3c t\u00ednh th\u1eddi cu\u1ed9c.<\/li>\n\n\n\n<li><strong>Con ng\u01b0\u1eddi v\u00e0 v\u0103n ho\u00e1 h\u1ecdc h\u1ecfi: <\/strong>\u0110\u1ed9i ng\u0169 c\u00f4ng ngh\u1ec7 trong l\u0129nh v\u1ef1c Fintech c\u1ea7n ph\u1ea3i gi\u1eef \u0111\u01b0\u1ee3c hai y\u1ebfu t\u1ed1: <strong>&#8220;Learn fast&#8221;<\/strong> (h\u1ecdc h\u1ecfi nhanh) v\u00e0 <strong>&#8220;Build to last&#8221; <\/strong>(x\u00e2y d\u1ef1ng b\u1ec1n v\u1eefng).<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-ki\u1ebfn-truc-k\u1ef9-thu\u1eadt-va-cong-ngh\u1ec7-n\u1ec1n-t\u1ea3ng\">Ki\u1ebfn tr\u00fac K\u1ef9 thu\u1eadt v\u00e0 C\u00f4ng ngh\u1ec7 N\u1ec1n t\u1ea3ng<\/h1>\n\n\n\n<p>MFV ti\u1ebfp c\u1eadn AI b\u1eb1ng c\u00e1ch x\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 th\u1ed1ng AI Platform ho\u00e0n ch\u1ec9nh, n\u01a1i to\u00e0n b\u1ed9 c\u00e1c t\u00e1c nh\u00e2n AI, d\u1eef li\u1ec7u v\u00e0 quy tr\u00ecnh \u0111\u01b0\u1ee3c th\u1ed1ng nh\u1ea5t v\u00e0 t\u1eadp trung.<\/p>\n\n\n\n<p>C\u1ea5u tr\u00fac H\u1ec7 th\u1ed1ng AI g\u1ed3m Ba L\u1edbp:<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-1-ai-platform-l\u1edbp-di\u1ec1u-ph\u1ed1i-va-qu\u1ea3n-ly-nang-l\u1ef1c-ai-n\u1ed9i-b\u1ed9\"><strong>1. AI Platform \u2013 l\u1edbp \u0111i\u1ec1u ph\u1ed1i v\u00e0 qu\u1ea3n l\u00fd n\u0103ng l\u1ef1c AI n\u1ed9i b\u1ed9<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u00e2y l\u00e0 \u201cb\u1ed9 n\u00e3o trung t\u00e2m\u201d, n\u01a1i to\u00e0n b\u1ed9 AI Agent \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd v\u00e0 v\u1eadn h\u00e0nh.<\/li>\n\n\n\n<li>Platform \u0111\u1ecbnh ngh\u0129a c\u00e1ch m\u1ed7i Agent t\u01b0\u01a1ng t\u00e1c v\u1edbi ng\u01b0\u1eddi d\u00f9ng, g\u1ecdi m\u00f4 h\u00ecnh, truy xu\u1ea5t d\u1eef li\u1ec7u, v\u00e0 gi\u00e1m s\u00e1t hi\u1ec7u n\u0103ng.<\/li>\n\n\n\n<li>To\u00e0n b\u1ed9 h\u1ea1 t\u1ea7ng \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng tr\u00ean Azure Foundry c\u1ee7a Microsoft,<\/li>\n\n\n\n<li>S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 framework nh\u01b0 LangChain, A2A (Agent-to-Agent framework) v\u00e0 MCP (Model Context Protocol) \u0111\u1ec3 c\u00e1c Agent c\u00f3 th\u1ec3 giao ti\u1ebfp, ph\u1ed1i h\u1ee3p v\u1edbi nhau. V\u00e0 Guardrail layer \u0111\u1ec3 ki\u1ec3m so\u00e1t r\u1ee7i ro b\u1ea3o m\u1eadt, ng\u0103n ng\u1eeba ph\u1ea3n h\u1ed3i nh\u1ea1y c\u1ea3m ho\u1eb7c vi ph\u1ea1m ch\u00ednh s\u00e1ch.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-2-data-mart-n\u1ec1n-t\u1ea3ng-d\u1eef-li\u1ec7u-t\u1eadp-trung-va-co-ng\u1eef-c\u1ea3nh\"><strong>2. Data Mart \u2013 n\u1ec1n t\u1ea3ng d\u1eef li\u1ec7u t\u1eadp trung v\u00e0 c\u00f3 ng\u1eef c\u1ea3nh<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fintech \u0111\u00f2i h\u1ecfi d\u1eef li\u1ec7u c\u1ef1c k\u1ef3 ch\u00ednh x\u00e1c, n\u00ean MFV x\u00e2y d\u1ef1ng Data Mart n\u1ed9i b\u1ed9 \u0111\u1ec3:<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Chu\u1ea9n h\u00f3a pipeline ingest v\u00e0 transform d\u1eef li\u1ec7u,<\/li>\n\n\n\n<li>G\u1eafn nh\u00e3n v\u00e0 qu\u1ea3n l\u00fd version r\u00f5 r\u00e0ng,<\/li>\n\n\n\n<li>V\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ea3m b\u1ea3o tu\u00e2n th\u1ee7 quy\u1ec1n ri\u00eang t\u01b0 theo quy chu\u1ea9n.<\/li>\n\n\n\n<li>Nh\u1edd h\u1ec7 th\u1ed1ng n\u00e0y, m\u1ecdi AI Agent \u0111\u1ec1u c\u00f3 th\u1ec3 truy c\u1eadp d\u1eef li\u1ec7u \u0111\u00e3 \u0111\u01b0\u1ee3c l\u00e0m s\u1ea1ch, g\u1eafn ng\u1eef c\u1ea3nh v\u00e0 s\u1eb5n s\u00e0ng cho inference.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-3-ai-agent-l\u1edbp-th\u1ef1c-thi-logic-nghi\u1ec7p-v\u1ee5-va-t\u01b0\u01a1ng-tac-ng\u01b0\u1eddi-dung\"><strong>3. AI Agent \u2013 l\u1edbp th\u1ef1c thi logic nghi\u1ec7p v\u1ee5 v\u00e0 t\u01b0\u01a1ng t\u00e1c ng\u01b0\u1eddi d\u00f9ng<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0110\u00e2y l\u00e0 ph\u1ea7n \u201cnh\u00ecn th\u1ea5y\u201d r\u00f5 nh\u1ea5t trong s\u1ea3n ph\u1ea9m:<\/li>\n\n\n\n<li>C\u00e1c AI Agent x\u1eed l\u00fd c\u00e1c t\u00e1c v\u1ee5 th\u1ef1c t\u1ebf nh\u01b0 ph\u00e2n lo\u1ea1i chi ti\u00eau, g\u1ee3i \u00fd danh m\u1ee5c k\u1ebf to\u00e1n, h\u1ed7 tr\u1ee3 nh\u00e2n s\u1ef1,<\/li>\n\n\n\n<li>M\u1ed7i Agent \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf v\u1eeba \u0111\u1ee7 chuy\u00ean s\u00e2u \u0111\u1ec3 hi\u1ec3u nghi\u1ec7p v\u1ee5, nh\u01b0ng v\u1eabn tu\u00e2n th\u1ee7 framework chung c\u1ee7a Platform \u0111\u1ec3 d\u1ec5 m\u1edf r\u1ed9ng v\u00e0 b\u1ea3o tr\u00ec.<\/li>\n<\/ul>\n\n\n\n<p>C\u00e1ch MFV v\u1eadn h\u00e0nh h\u1ec7 th\u1ed1ng AI v\u00e0 c\u00e1c d\u1ef1 \u00e1n th\u1ef1c chi\u1ebfn c\u1ee5 th\u1ec3 s\u1ebd \u0111\u01b0\u1ee3c chia s\u1ebb k\u1ef9 h\u01a1n t\u1ea1i Tech Talk: AI Forward &#8211; Practical Uses in Software Development v\u00e0o ng\u00e0y 03\/12, \u0111\u0103ng k\u00fd tham gia t\u1ea1i \u0111\u00e2y (Ch\u00e8n link).<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-kinh-nghi\u1ec7m-v\u1eadn-hanh-va-l\u1ef1a-ch\u1ecdn-cong-ngh\u1ec7\"><strong>Kinh nghi\u1ec7m V\u1eadn h\u00e0nh v\u00e0 L\u1ef1a ch\u1ecdn C\u00f4ng ngh\u1ec7<\/strong><\/h5>\n\n\n\n<p>MFV l\u1ef1a ch\u1ecdn c\u00f4ng ngh\u1ec7 d\u1ef1a tr\u00ean ba nguy\u00ean t\u1eafc r\u00f5 r\u00e0ng:&nbsp;<\/p>\n\n\n\n<p>(1) \u1ed4n \u0111\u1ecbnh \u0111\u1ec3 c\u00f3 th\u1ec3 v\u1eadn h\u00e0nh l\u00e2u d\u00e0i<\/p>\n\n\n\n<p>(2) D\u1ec5 b\u1ea3o tr\u00ec, \u0111\u1ec3 c\u00e1c team c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n m\u00e0 kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1 nh\u00e2n&nbsp;<\/p>\n\n\n\n<p>(3) Kh\u1ea3 n\u0103ng t\u00edch h\u1ee3p t\u1ed1t trong h\u1ec7 sinh th\u00e1i c\u1ee7a t\u1eadp \u0111o\u00e0n Money Forward.<\/p>\n\n\n\n<p>C\u00e1c b\u00e0i h\u1ecdc quan tr\u1ecdng khi v\u1eadn h\u00e0nh h\u1ec7 th\u1ed1ng AI quy m\u00f4 l\u1edbn bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ch\u1ecdn c\u00f4ng ngh\u1ec7 v\u00e0 ng\u00f4n ng\u1eef l\u1eadp tr\u00ecnh c\u1ea7n \u0111\u00fang nhu c\u1ea7u v\u00e0 n\u0103ng l\u1ef1c \u0111\u1ed9i ng\u0169<\/li>\n\n\n\n<li>Lu\u00f4n theo d\u00f5i, gi\u00e1m s\u00e1t v\u00e0 c\u1eadp nh\u1eadt li\u00ean t\u1ee5c <strong>(y\u1ebfu t\u1ed1 ti\u00ean quy\u1ebft)<\/strong><\/li>\n\n\n\n<li>Minh b\u1ea1ch v\u00e0 c\u00f3 th\u1ec3 audit<\/li>\n<\/ul>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-d\u1ef1-an-ai-tieu-bi\u1ec3u\">D\u1ef1 \u00e1n AI Ti\u00eau bi\u1ec3u<\/h1>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-1-expense-ai-agent\"><strong>1. Expense AI Agent:<\/strong><\/h5>\n\n\n\n<p>H\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng nh\u1eadn d\u1ea1ng, ph\u00e2n lo\u1ea1i v\u00e0 g\u1ee3i \u00fd danh m\u1ee5c chi ti\u00eau cho doanh nghi\u1ec7p. Nh\u00e2n vi\u00ean ch\u1ec9 c\u1ea7n upload h\u00f3a \u0111\u01a1n chi ph\u00ed; AI (s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 OCR) s\u1ebd t\u1ef1 \u0111\u1ed9ng chi\u1ebft xu\u1ea5t th\u00f4ng tin, \u0111i\u1ec1n v\u00e0o form, ki\u1ec3m tra t\u00ednh h\u1ee3p l\u1ec7 theo quy \u0111\u1ecbnh, v\u00e0 ti\u1ebfn h\u00e0nh submit ho\u00e0n ti\u1ec1n n\u1ebfu \u0111\u1ea7y \u0111\u1ee7. N\u1ebfu ch\u01b0a \u0111\u1ee7 th\u00f4ng tin, AI s\u1ebd g\u1ee3i \u00fd \u0111\u1ec3 nh\u00e2n vi\u00ean ho\u00e0n thi\u1ec7n h\u1ed3 s\u01a1.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-2-chatbot-n\u1ed9i-b\u1ed9-hi-mfv-nbsp\"><strong>2. Chatbot n\u1ed9i b\u1ed9 Hi-MFV:&nbsp;<\/strong><\/h5>\n\n\n\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-6306adb\" id=\"gspb_image-id-gsbp-6306adb\"><img decoding=\"async\" src=\"https:\/\/itviec.com\/blog\/wp-content\/uploads\/2025\/11\/Screenshot-2025-11-14-at-15.37.23-640x377.png\" data-src=\"\" loading=\"lazy\" width=\"800\" height=\"471\"\/><\/div>\n\n\n\n<p>H\u1ed7 tr\u1ee3 nh\u00e2n vi\u00ean tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi th\u01b0\u1eddng ng\u00e0y, tra c\u1ee9u quy tr\u00ecnh nghi\u1ec7p v\u1ee5 v\u00e0 th\u1ef1c hi\u1ec7n c\u00e1c thao t\u00e1c ti\u1ec7n \u00edch kh\u00e1c. V\u00ed d\u1ee5, nh\u00e2n vi\u00ean c\u00f3 th\u1ec3 t\u01b0\u01a1ng t\u00e1c qua Slack \u0111\u1ec3 \u0111\u1eb7t gh\u1ebf l\u00e0m vi\u1ec7c t\u1ea1i v\u0103n ph\u00f2ng hay ki\u1ec3m tra\/\u0111\u0103ng k\u00fd ngh\u1ec9 ph\u00e9p.<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-e181e42\" id=\"gspb_image-id-gsbp-e181e42\"><img decoding=\"async\" src=\"https:\/\/itviec.com\/blog\/wp-content\/uploads\/2025\/11\/Hi-MFV-screenshot-640x303.jpg\" data-src=\"\" loading=\"lazy\" width=\"800\" height=\"379\"\/><\/div>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-k\u1ef3-v\u1ecdng-v\u1ec1-nhan-s\u1ef1-trong-k\u1ef7-nguyen-ai\">K\u1ef3 v\u1ecdng v\u1ec1 Nh\u00e2n s\u1ef1 trong K\u1ef7 nguy\u00ean AI<\/h1>\n\n\n\n<p>Trong b\u1ed1i c\u1ea3nh c\u00f4ng ngh\u1ec7 thay \u0111\u1ed5i r\u1ea5t nhanh (v\u00f2ng \u0111\u1eddi s\u1ea3n ph\u1ea9m c\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 r\u00fat ng\u1eafn t\u1eeb 10 n\u0103m xu\u1ed1ng c\u00f2n 3-5 n\u0103m), MFV k\u1ef3 v\u1ecdng nh\u00e2n s\u1ef1 c\u00f4ng ngh\u1ec7 c\u1ea7n c\u00f3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>T\u00ednh Ch\u1ee7 \u0111\u1ed9ng: <\/strong>Ch\u1ee7 \u0111\u1ed9ng t\u00edch l\u0169y ki\u1ebfn th\u1ee9c n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc (nh\u01b0 th\u1ed1ng k\u00ea, \u0111\u1ea1i s\u1ed1 tuy\u1ebfn t\u00ednh) v\u00e0 \u0111\u1eb7t c\u00e2u h\u1ecfi &#8220;V\u00ec sao&#8221; thay v\u00ec &#8220;L\u00e0m sao&#8221; hay &#8220;C\u00f4ng ngh\u1ec7 g\u00ec&#8221; \u0111\u1ec3 hi\u1ec3u \u0111\u00fang b\u1ea3n ch\u1ea5t v\u1ea5n \u0111\u1ec1 v\u00e0 nhu c\u1ea7u kh\u00e1ch h\u00e0ng.<\/li>\n\n\n\n<li><strong>T\u01b0 duy S\u1ea3n ph\u1ea9m (Product Mindset): <\/strong>Kh\u1ea3 n\u0103ng th\u1ea5u c\u1ea3m v\u1edbi nhu c\u1ea7u kh\u00e1ch h\u00e0ng. M\u1ed9t k\u1ef9 s\u01b0 gi\u1ecfi kh\u00f4ng ch\u1ec9 c\u1ea7n coding hi\u1ec7u qu\u1ea3 m\u00e0 c\u00f2n c\u1ea7n ph\u1ea3i ch\u1ea1m \u0111\u01b0\u1ee3c \u0111\u1ebfn nhu c\u1ea7u v\u00e0 c\u1ea3m x\u00fac c\u1ee7a ng\u01b0\u1eddi d\u00f9ng (human touch).<\/li>\n<\/ul>\n\n\n\n<p>L\u1eddi khuy\u00ean t\u1eeb chuy\u00ean gia d\u00e0nh cho c\u00e1c AI Engineers:&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u201cH\u00e3y lu\u00f4n \u0111\u1eb7t m\u00ecnh v\u00e0o vai tr\u00f2 c\u1ee7a ng\u01b0\u1eddi qu\u1ea3n l\u00fd s\u1ea3n ph\u1ea9m (product owner): &#8220;M\u00f4 h\u00ecnh AI n\u00e0y m\u00ecnh l\u00e0m ra \u0111ang th\u1ef1c s\u1ef1 gi\u00fap \u00edch cho ai? Gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c v\u1ea5n \u0111\u1ec1 g\u00ec?&#8221;\u201d<\/em><\/p>\n<\/blockquote>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-l\u1eddi-k\u1ebft\">L\u1eddi k\u1ebft<\/h1>\n\n\n\n<p>Bu\u1ed5i tr\u00f2 chuy\u1ec7n c\u00f9ng anh V\u0169 Minh H\u01b0ng kh\u00f4ng ch\u1ec9 mang \u0111\u1ebfn g\u00f3c nh\u00ecn th\u1ef1c t\u1ebf v\u1ec1 h\u00e0nh tr\u00ecnh x\u00e2y n\u1ec1n t\u1ea3ng AI trong Fintech, m\u00e0 c\u00f2n th\u1ec3 hi\u1ec7n r\u00f5 tri\u1ebft l\u00fd \u201cBuild to Last\u201d \u2013 x\u00e2y d\u1ef1ng b\u1ec1n v\u1eefng t\u1eeb con ng\u01b0\u1eddi, d\u1eef li\u1ec7u \u0111\u1ebfn v\u0103n ho\u00e1.<\/p>\n\n\n\n<p>T\u1eeb c\u00e1ch MFV \u0111\u1ea7u t\u01b0 cho ki\u1ebfn tr\u00fac k\u1ef9 thu\u1eadt, quy tr\u00ecnh d\u1eef li\u1ec7u, cho \u0111\u1ebfn vi\u1ec7c x\u00e2y d\u1ef1ng \u0111\u1ed9i ng\u0169 nh\u00e2n s\u1ef1 s\u1eb5n s\u00e0ng h\u1ecdc h\u1ecfi v\u00e0 th\u00edch \u1ee9ng, t\u1ea5t c\u1ea3 \u0111\u1ec1u xoay quanh m\u1ed9t gi\u00e1 tr\u1ecb c\u1ed1t l\u00f5i: <strong>ph\u00e1t tri\u1ec3n con ng\u01b0\u1eddi \u0111\u1ec3 c\u00f4ng ngh\u1ec7 \u0111\u01b0\u1ee3c nu\u00f4i d\u01b0\u1ee1ng v\u00e0 l\u1edbn l\u00ean c\u00f9ng gi\u00e1 tr\u1ecb th\u1eadt<\/strong>.<\/p>\n\n\n\n<p>\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014\u2014<\/p>\n\n\n\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-28d44be\" id=\"gspb_container-id-gsbp-28d44be\">\n<p>D\u00f9 b\u1ea1n l\u00e0 developer, designer hay marketer, h\u00e0nh tr\u00ecnh l\u00e0m vi\u1ec7c c\u00f9ng AI v\u00e0 tr\u1edf th\u00e0nh AI-powered Product Builder c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u ngay h\u00f4m nay:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u00ecm ki\u1ebfm c\u01a1 h\u1ed9i vi\u1ec7c l\u00e0m: Gh\u00e9 th\u0103m ITviec.com \u0111\u1ec3 c\u1eadp nh\u1eadt c\u00f4ng vi\u1ec7c AI, Data v\u00e0 GenAI Engineer m\u1edbi nh\u1ea5t t\u1eeb c\u00e1c c\u00f4ng ty h\u00e0ng \u0111\u1ea7u. \u27a1\ufe0f <a href=\"https:\/\/bit.ly\/49dSkEz\">Xem vi\u1ec7c l\u00e0m GenAI Engineer tr\u00ean ITviec<\/a><\/li>\n\n\n\n<li>\u0110\u1eebng b\u1ecf l\u1ee1 c\u01a1 h\u1ed9i h\u1ecdc h\u1ecfi s\u00e2u h\u01a1n t\u1eeb nh\u1eefng d\u1ef1 \u00e1n th\u1ef1c chi\u1ebfn t\u1ea1i MFV qua s\u1ef1 ki\u1ec7n Tech Talk: AI Forward &#8211; Practical Uses in Software Development v\u00e0o ng\u00e0y 03\/12 s\u1eafp t\u1edbi. Tham gia ngay t\u1ea1i \u27a1\ufe0f <a href=\"https:\/\/careers.moneyforward.vn\/techit-forward?utm_source=blog&amp;utm_medium=mfv_video_1&amp;utm_campaign=aidata_segment&amp;utm_content=191125_11am\">MFV Event<\/a><\/li>\n<\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Trong k\u1ef7 nguy\u00ean m\u1edbi, c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi nh\u01b0 AI \u0111ang kh\u00f4ng ch\u1ec9 \u0111\u1ecbnh h\u00ecnh l\u1ea1i th\u1ebf gi\u1edbi Fintech, m\u00e0 c\u00f2n m\u1edf ra v\u00f4 v\u00e0n c\u01a1 h\u1ed9i to\u00e0n c\u1ea7u cho k\u1ef9 s\u01b0 Vi\u1ec7t Nam. Tuy nhi\u00ean, \u0111i k\u00e8m v\u1edbi ti\u1ec1m n\u0103ng lu\u00f4n lu\u00f4n l\u00e0 th\u00e1ch th\u1ee9c, v\u00e0 h\u00e0nh tr\u00ecnh ph\u00e1t tri\u1ec3n c\u1ee7a c\u00e1c doanh nghi\u1ec7p [&hellip;]<\/p>\n","protected":false},"author":223,"featured_media":92980,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"#gspb_image-id-gsbp-6306adb img,#gspb_image-id-gsbp-e181e42 img{vertical-align:top;display:inline-block;box-sizing:border-box;max-width:100%;height:auto}.gspb_container-id-gsbp-28d44be{flex-direction:column;box-sizing:border-box}#gspb_container-id-gsbp-28d44be.gspb_container>p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-28d44be.gspb_container{position:relative;border-bottom-style:solid;border-bottom-width:1px;border-bottom-color:var(--wp--preset--color--border, #00000012);box-sizing:border-box}#gspb_container-id-gsbp-28d44be.gspb_container,#gspb_container-id-gsbp-28d44be.gspb_container>.gspb_backgroundOverlay{border-top-left-radius:18px;border-top-right-radius:18px;border-bottom-right-radius:18px;border-bottom-left-radius:18px}","footnotes":""},"categories":[10353,10375,94,10179],"tags":[10124,10360],"class_list":["post-92974","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ai-data","category-podcast-phong-van-chuyen-gia","category-su-nghiep-it","category-xu-huong-tuyen-dung-it","tag-ai","tag-fintech"],"blocksy_meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.8 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>H\u00e0nh tr\u00ecnh x\u00e2y n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc c\u00f9ng Money Forward Vietnam: Tri\u1ebft l\u00fd Build to Last v\u00e0 T\u1ea7m nh\u00ecn User Focus - ITviec Blog<\/title>\n<meta name=\"description\" content=\"\u0110i s\u00e2u v\u00e0o c\u00e1ch Money Forward Vi\u1ec7t Nam \u1ee9ng d\u1ee5ng AI trong s\u1ea3n ph\u1ea9m Fintech, x\u00e2y AI Platform ho\u00e0n ch\u1ec9nh v\u00e0 v\u1eadn h\u00e0nh c\u00e1c d\u1ef1 \u00e1n AI quy m\u00f4 l\u1edbn.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/itviec.com\/blog\/hanh-trinh-xay-dung-ai-trong-fintech-tai-mfv\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"H\u00e0nh tr\u00ecnh x\u00e2y n\u1ec1n t\u1ea3ng v\u1eefng ch\u1eafc c\u00f9ng Money Forward Vietnam: Tri\u1ebft l\u00fd Build to Last v\u00e0 T\u1ea7m nh\u00ecn User Focus\" \/>\n<meta property=\"og:description\" content=\"Trong k\u1ef7 nguy\u00ean m\u1edbi, c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi nh\u01b0 AI \u0111ang kh\u00f4ng ch\u1ec9 \u0111\u1ecbnh h\u00ecnh l\u1ea1i th\u1ebf gi\u1edbi Fintech, m\u00e0 c\u00f2n m\u1edf ra v\u00f4 v\u00e0n c\u01a1 h\u1ed9i to\u00e0n c\u1ea7u cho k\u1ef9 s\u01b0 Vi\u1ec7t Nam. 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