C\u00e1ch M\u1ed9t Nh\u00e0 C\u00f4ng Ngh\u1ec7 T\u1ef1 H\u1ecdc \u0110ang X\u00e2y D\u1ef1ng Th\u1ebf H\u1ec7 H\u1ec7 Th\u1ed1ng T\u00e0i Ch\u00ednh M\u1edbi \u0110\u01b0\u1ee3c V\u1eadn H\u00e0nh B\u1edfi AI V\u00e0 Thu\u1ed9c Quy\u1ec1n S\u1edf H\u1eefu C\u1ee7a Ng\u01b0\u1eddi D\u00f9ng<\/i><\/p>\n
S\u1ef1 Chuy\u1ec3n D\u1ecbch \u0110ang \u0110\u1ecbnh H\u00ecnh L\u1ea1i T\u00e0i Ch\u00ednh To\u00e0n C\u1ea7u<\/b><\/p>\n
T\u00e0i ch\u00ednh to\u00e0n c\u1ea7u \u0111ang b\u01b0\u1edbc v\u00e0o m\u1ed9t giai \u0111o\u1ea1n chuy\u1ec3n \u0111\u1ed5i ch\u01b0a t\u1eebng c\u00f3 trong l\u1ecbch s\u1eed. C\u00e1c h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng truy\u1ec1n th\u1ed1ng \u2014 t\u1eebng \u0111\u01b0\u1ee3c xem l\u00e0 nh\u1eefng tr\u1ee5 c\u1ed9t b\u1ea5t kh\u1ea3 x\u00e2m ph\u1ea1m c\u1ee7a n\u1ec1n kinh t\u1ebf \u2014 hi\u1ec7n \u0111ang ch\u1ecbu \u00e1p l\u1ef1c t\u1eeb m\u1ed9t n\u1ec1n kinh t\u1ebf s\u1ed1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng, \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI), m\u1ea1ng l\u01b0\u1edbi phi t\u1eadp trung, h\u1ea1 t\u1ea7ng blockchain v\u00e0 h\u00e0nh vi t\u00e0i ch\u00ednh kh\u00f4ng bi\u00ean gi\u1edbi.<\/p>\n
Trong nhi\u1ec1u ng\u00e0nh c\u00f4ng nghi\u1ec7p, cu\u1ed9c tr\u00f2 chuy\u1ec7n hi\u1ec7n nay kh\u00f4ng c\u00f2n \u0111\u01a1n thu\u1ea7n l\u00e0 s\u1ed1 h\u00f3a thanh to\u00e1n hay hi\u1ec7n \u0111\u1ea1i h\u00f3a ng\u00e2n h\u00e0ng. Tr\u1ecdng t\u00e2m \u0111\u00e3 chuy\u1ec3n sang m\u1ed9t \u0111i\u1ec1u c\u0103n b\u1ea3n h\u01a1n nhi\u1ec1u: t\u00e1i x\u00e2y d\u1ef1ng ch\u00ednh ki\u1ebfn tr\u00fac c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh.<\/p>\n
\u1ede trung t\u00e2m c\u1ee7a s\u1ef1 chuy\u1ec3n \u0111\u1ed5i n\u00e0y l\u00e0 m\u1ed9t th\u1ebf h\u1ec7 doanh nh\u00e2n m\u1edbi \u2014 nh\u1eefng ng\u01b0\u1eddi kh\u00f4ng ch\u1ec9 t\u1ea1o ra \u1ee9ng d\u1ee5ng hay s\u1ea3n ph\u1ea9m, m\u00e0 \u0111ang ki\u1ebfn t\u1ea1o to\u00e0n b\u1ed9 h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh m\u1edbi d\u00e0nh cho t\u01b0\u01a1ng lai phi t\u1eadp trung v\u00e0 th\u00f4ng minh.<\/p>\n
M\u1ed9t trong nh\u1eefng c\u00e1i t\u00ean \u0111ang thu h\u00fat s\u1ef1 ch\u00fa \u00fd qu\u1ed1c t\u1ebf l\u00e0 Shavez Ahmed Siddiqui<\/a> \u2014 doanh nh\u00e2n fintech, nh\u00e0 \u0111\u1ed5i m\u1edbi blockchain v\u00e0 chi\u1ebfn l\u01b0\u1ee3c gia c\u00f4ng ngh\u1ec7 v\u1edbi c\u00e1c d\u1ef1 \u00e1n tr\u1ea3i r\u1ed9ng t\u1eeb h\u1ea1 t\u1ea7ng v\u1eadn h\u00e0nh b\u1eb1ng AI, h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh phi t\u1eadp trung, ng\u00e2n h\u00e0ng s\u1ed1 \u0111\u1ebfn c\u00e1c m\u00f4 h\u00ecnh qu\u1ea3n tr\u1ecb v\u1ed1n th\u00f4ng minh.<\/p>\n \u0110\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn v\u1edbi vai tr\u00f2 CEO c\u1ee7a RIFT<\/a> v\u00e0 OWNLY PAY<\/a>, \u0111\u1ed3ng th\u1eddi l\u00e0 nh\u00e0 s\u00e1ng l\u1eadp BITCOINCODE<\/a> (BTCC), Siddiqui \u0111\u1ea1i di\u1ec7n cho m\u1ed9t l\u1edbp nh\u00e0 ki\u1ebfn t\u1ea1o t\u00e0i ch\u00ednh m\u1edbi \u2014 t\u1eadp trung x\u00e2y d\u1ef1ng nh\u1eefng h\u1ec7 th\u1ed1ng nhanh h\u01a1n, minh b\u1ea1ch h\u01a1n, th\u00edch \u1ee9ng h\u01a1n v\u00e0 quan tr\u1ecdng nh\u1ea5t: trao quy\u1ec1n ki\u1ec3m so\u00e1t tr\u1edf l\u1ea1i cho ng\u01b0\u1eddi d\u00f9ng.<\/p>\n T\u1eeb M\u1ed9t L\u1eadp Tr\u00ecnh Vi\u00ean T\u1ef1 H\u1ecdc \u0110\u1ebfn Ki\u1ebfn Tr\u00fac S\u01b0 T\u00e0i Ch\u00ednh<\/b><\/p>\n Kh\u00f4ng gi\u1ed1ng nhi\u1ec1u l\u00e3nh \u0111\u1ea1o fintech truy\u1ec1n th\u1ed1ng, h\u00e0nh tr\u00ecnh c\u1ee7a Siddiqui kh\u00f4ng b\u1eaft \u0111\u1ea7u t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u1edbn hay t\u1eadp \u0111o\u00e0n c\u00f4ng ngh\u1ec7 h\u00e0ng \u0111\u1ea7u.<\/p>\n N\u1ec1n t\u1ea3ng c\u1ee7a anh \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng ho\u00e0n to\u00e0n \u0111\u1ed9c l\u1eadp.<\/p>\n B\u1eaft \u0111\u1ea7u h\u00e0nh tr\u00ecnh l\u1eadp tr\u00ecnh t\u1eeb khi c\u00f2n r\u1ea5t tr\u1ebb, Siddiqui<\/a> \u0111\u1eafm m\u00ecnh trong ph\u00e1t tri\u1ec3n ph\u1ea7n m\u1ec1m, h\u1ec7 th\u1ed1ng blockchain, h\u1ea1 t\u1ea7ng thanh to\u00e1n v\u00e0 c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh t\u1eeb r\u1ea5t l\u00e2u tr\u01b0\u1edbc khi t\u00e0i ch\u00ednh phi t\u1eadp trung (DeFi) tr\u1edf th\u00e0nh xu h\u01b0\u1edbng to\u00e0n c\u1ea7u.<\/p>\n \u0110i\u1ec1u b\u1eaft \u0111\u1ea7u nh\u01b0 m\u1ed9t s\u1ef1 t\u00f2 m\u00f2 v\u1ec1 c\u00f4ng ngh\u1ec7 d\u1ea7n ph\u00e1t tri\u1ec3n th\u00e0nh m\u1ed9t s\u1ee9 m\u1ec7nh l\u1edbn h\u01a1n: t\u00ecm hi\u1ec3u v\u00ec sao c\u00e1c h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh to\u00e0n c\u1ea7u v\u1eabn c\u00f2n kh\u00f3 ti\u1ebfp c\u1eadn, ph\u00e2n m\u1ea3nh v\u00e0 ph\u1ee5 thu\u1ed9c n\u1eb7ng n\u1ec1 v\u00e0o s\u1ef1 ki\u1ec3m so\u00e1t t\u1eadp trung.<\/p>\n Nh\u1eadn th\u1ee9c \u0111\u00f3 \u0111\u00e3 \u0111\u1ecbnh h\u00ecnh tri\u1ebft l\u00fd c\u1ee7a anh trong nhi\u1ec1u n\u0103m sau n\u00e0y.<\/p>\n Theo Siddiqui, v\u1ea5n \u0111\u1ec1 c\u1ed1t l\u00f5i c\u1ee7a t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i ch\u01b0a bao gi\u1edd n\u1eb1m \u1edf gi\u1edbi h\u1ea1n c\u00f4ng ngh\u1ec7. Thay v\u00e0o \u0111\u00f3, anh tin r\u1eb1ng v\u1ea5n \u0111\u1ec1 th\u1ef1c s\u1ef1 n\u1eb1m \u1edf c\u00e1ch h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u2014 ph\u1ee5c v\u1ee5 s\u1ef1 ti\u1ec7n l\u1ee3i c\u1ee7a t\u1ed5 ch\u1ee9c thay v\u00ec trao quy\u1ec1n cho ng\u01b0\u1eddi d\u00f9ng.<\/p>\n \u201cT\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i tr\u1edf n\u00ean hi\u1ec7u qu\u1ea3 cho c\u00e1c t\u1ed5 ch\u1ee9c, nh\u01b0ng ng\u00e0y c\u00e0ng ph\u1ee9c t\u1ea1p v\u1edbi con ng\u01b0\u1eddi. T\u01b0\u01a1ng lai c\u1ee7a h\u1ea1 t\u1ea7ng t\u00e0i ch\u00ednh ph\u1ea3i \u0111\u01b0a s\u1ef1 minh b\u1ea1ch, kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn v\u00e0 quy\u1ec1n s\u1edf h\u1eefu tr\u1edf l\u1ea1i v\u1edbi ng\u01b0\u1eddi d\u00f9ng.\u201d<\/p>\n Nguy\u00ean t\u1eafc n\u00e0y \u0111\u00e3 tr\u1edf th\u00e0nh n\u1ec1n m\u00f3ng cho m\u1ecdi d\u1ef1 \u00e1n m\u00e0 anh x\u00e2y d\u1ef1ng.<\/p>\n X\u00e2y D\u1ef1ng H\u1ec7 Th\u1ed1ng, Kh\u00f4ng Ch\u1ea1y Theo Xu H\u01b0\u1edbng<\/b><\/p>\n Trong khi ph\u1ea7n l\u1edbn ng\u00e0nh blockchain t\u1eebng t\u1eadp trung v\u00e0o \u0111\u1ea7u c\u01a1, meme coin v\u00e0 nh\u1eefng l\u00e0n s\u00f3ng ng\u1eafn h\u1ea1n, Siddiqui<\/a> l\u1ea1i t\u1eadp trung v\u00e0o h\u1ea1 t\u1ea7ng.<\/p>\n C\u00e1c d\u1ef1 \u00e1n c\u1ee7a anh lu\u00f4n xoay quanh m\u1ed9t m\u1ee5c ti\u00eau l\u1edbn h\u01a1n: x\u00e2y d\u1ef1ng nh\u1eefng h\u1ec7 th\u1ed1ng c\u00f3 kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng, k\u1ebft h\u1ee3p tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, ki\u1ebfn tr\u00fac phi t\u1eadp trung v\u00e0 kh\u1ea3 n\u0103ng \u1ee9ng d\u1ee5ng th\u1ef1c t\u1ebf th\u00e0nh m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh ho\u00e0n ch\u1ec9nh.<\/p>\n Thay v\u00ec xem blockchain nh\u01b0 m\u1ed9t c\u00f4ng ngh\u1ec7 \u0111\u1ed9c l\u1eadp, Siddiqui nh\u00ecn nh\u1eadn n\u00f3 l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a s\u1ef1 h\u1ed9i t\u1ee5 c\u00f4ng ngh\u1ec7 l\u1edbn h\u01a1n bao g\u1ed3m:<\/p>\n * Tr\u00ed tu\u1ec7 t\u00e0i ch\u00ednh v\u1eadn h\u00e0nh b\u1eb1ng AI<\/p>\n * H\u1ec7 th\u1ed1ng s\u1edf h\u1eefu phi t\u1eadp trung<\/p>\n * H\u1ea1 t\u1ea7ng v\u1ed1n t\u1ef1 \u0111\u1ed9ng<\/p>\n * H\u1ec7 sinh th\u00e1i thanh to\u00e1n kh\u00f4ng bi\u00ean gi\u1edbi<\/p>\n * T\u1ef1 \u0111\u1ed9ng h\u00f3a t\u00e0i ch\u00ednh theo th\u1eddi gian th\u1ef1c<\/p>\n C\u00e1ch ti\u1ebfp c\u1eadn t\u00edch h\u1ee3p n\u00e0y \u0111\u00e3 gi\u00fap c\u00e1c d\u1ef1 \u00e1n c\u1ee7a anh n\u1ed5i b\u1eadt trong l\u0129nh v\u1ef1c Web3 v\u00e0 fintech ng\u00e0y c\u00e0ng \u0111\u00f4ng \u0111\u00fac.<\/p>\n Nhi\u1ec1u chuy\u00ean gia trong ng\u00e0nh nh\u1eadn x\u00e9t r\u1eb1ng c\u00e1c d\u1ef1 \u00e1n c\u1ee7a Siddiqui lu\u00f4n \u01b0u ti\u00ean t\u00ednh \u1ee9ng d\u1ee5ng th\u1ef1c t\u1ebf h\u01a1n l\u00e0 s\u1ef1 \u0111\u1ed5i m\u1edbi mang t\u00ednh l\u00fd thuy\u1ebft \u2014 t\u1eadp trung v\u00e0o vi\u1ec7c l\u00e0m sao \u0111\u1ec3 c\u00e1c h\u1ec7 th\u1ed1ng phi t\u1eadp trung c\u00f3 th\u1ec3 v\u1eadn h\u00e0nh \u1edf quy m\u00f4 l\u1edbn m\u00e0 v\u1eabn gi\u1eef \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u01a1n gi\u1ea3n cho ng\u01b0\u1eddi d\u00f9ng.<\/p>\n Theo Siddiqui<\/a>, s\u1ef1 c\u00e2n b\u1eb1ng n\u00e0y l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t:<\/p>\n \u201cSai l\u1ea7m l\u1edbn nh\u1ea5t c\u1ee7a c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 l\u00e0 nh\u1ea7m l\u1eabn gi\u1eefa s\u1ef1 ph\u1ee9c t\u1ea1p v\u00e0 s\u1ef1 tinh vi. Nh\u1eefng h\u1ec7 th\u1ed1ng m\u1ea1nh nh\u1ea5t l\u00e0 nh\u1eefng h\u1ec7 th\u1ed1ng m\u00e0 ng\u01b0\u1eddi d\u00f9ng h\u1ea7u nh\u01b0 kh\u00f4ng nh\u1eadn ra s\u1ef1 ph\u1ee9c t\u1ea1p b\u00ean trong, v\u00ec tr\u1ea3i nghi\u1ec7m qu\u00e1 li\u1ec1n m\u1ea1ch.\u201d<\/p>\n RIFT V\u00e0 S\u1ef1 Tr\u1ed7i D\u1eady C\u1ee7a T\u00e0i Ch\u00ednh Th\u00f4ng Minh<\/b><\/p>\n M\u1ed9t trong nh\u1eefng d\u1ef1 \u00e1n \u0111\u01b0\u1ee3c ch\u00fa \u00fd nh\u1ea5t c\u1ee7a Siddiqui l\u00e0 RIFT \u2014 h\u1ec7 sinh th\u00e1i tr\u00ed tu\u1ec7 t\u00e0i ch\u00ednh ti\u00ean ti\u1ebfn n\u1eb1m \u1edf giao \u0111i\u1ec3m gi\u1eefa AI v\u00e0 h\u1ea1 t\u1ea7ng t\u00e0i ch\u00ednh phi t\u1eadp trung.<\/p>\n RIFT ph\u1ea3n \u00e1nh ni\u1ec1m tin c\u1ee7a Siddiqui r\u1eb1ng t\u01b0\u01a1ng lai c\u1ee7a t\u00e0i ch\u00ednh s\u1ebd kh\u00f4ng ch\u1ec9 l\u00e0 \u201ck\u1ef9 thu\u1eadt s\u1ed1\u201d, m\u00e0 c\u00f2n ph\u1ea3i \u201cth\u00f4ng minh\u201d.<\/p>\n N\u1ec1n t\u1ea3ng n\u00e0y nghi\u00ean c\u1ee9u c\u00e1ch c\u00e1c h\u1ec7 th\u1ed1ng AI-native c\u00f3 th\u1ec3 li\u00ean t\u1ee5c ph\u00e2n t\u00edch:<\/p>\n * T\u00edn hi\u1ec7u th\u1ecb tr\u01b0\u1eddng theo th\u1eddi gian th\u1ef1c<\/p>\n * H\u00e0nh vi v\u00ed \u0111i\u1ec7n t\u1eed<\/p>\n * D\u00f2ng d\u1ecbch chuy\u1ec3n thanh kho\u1ea3n<\/p>\n * X\u00e1c su\u1ea5t r\u1ee7i ro<\/p>\n * Ho\u1ea1t \u0111\u1ed9ng giao d\u1ecbch on-chain<\/p>\n * Xu h\u01b0\u1edbng lu\u00e2n chuy\u1ec3n d\u00f2ng v\u1ed1n<\/p>\n M\u1ee5c ti\u00eau kh\u00f4ng ch\u1ec9 l\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a, m\u00e0 l\u00e0 tr\u00ed tu\u1ec7 th\u00edch \u1ee9ng.<\/p>\n B\u1eb1ng vi\u1ec7c k\u1ebft h\u1ee3p machine learning v\u1edbi h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh phi t\u1eadp trung, RIFT h\u01b0\u1edbng t\u1edbi x\u00e2y d\u1ef1ng m\u1ed9t h\u1ea1 t\u1ea7ng c\u00f3 kh\u1ea3 n\u0103ng t\u1ef1 ti\u1ebfn h\u00f3a theo \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng thay \u0111\u1ed5i li\u00ean t\u1ee5c.<\/p>\n \u0110\u00e2y c\u0169ng l\u00e0 xu h\u01b0\u1edbng chuy\u1ec3n \u0111\u1ed5i l\u1edbn \u0111ang di\u1ec5n ra trong ng\u00e0nh t\u00e0i ch\u00ednh \u2014 t\u1eeb t\u00e0i ch\u00ednh ph\u1ea3n \u1ee9ng sang h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh t\u1ef1 \u0111\u1ed9ng v\u00e0 mang t\u00ednh d\u1ef1 \u0111o\u00e1n.<\/p>\n Nhi\u1ec1u chuy\u00ean gia g\u1ecdi s\u1ef1 chuy\u1ec3n \u0111\u1ed5i n\u00e0y l\u00e0 s\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a \u201cintelligent finance\u201d \u2014 n\u01a1i c\u00e1c h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh c\u00f3 kh\u1ea3 n\u0103ng suy ngh\u0129, th\u00edch nghi, t\u1ed1i \u01b0u v\u00e0 ph\u00e2n b\u1ed5 v\u1ed1n theo th\u1eddi gian th\u1ef1c.<\/p>\n Tuy nhi\u00ean, v\u1edbi Siddiqui, tr\u00ed th\u00f4ng minh th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7. Ni\u1ec1m tin v\u00e0 quy\u1ec1n s\u1edf h\u1eefu c\u0169ng quan tr\u1ecdng kh\u00f4ng k\u00e9m.<\/p>\n \u201cC\u00f4ng ngh\u1ec7 m\u00e0 thi\u1ebfu minh b\u1ea1ch cu\u1ed1i c\u00f9ng s\u1ebd l\u1eb7p l\u1ea1i ch\u00ednh nh\u1eefng v\u1ea5n \u0111\u1ec1 m\u00e0 t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i \u0111ang g\u1eb7p ph\u1ea3i. T\u01b0\u01a1ng lai thu\u1ed9c v\u1ec1 nh\u1eefng h\u1ec7 th\u1ed1ng v\u1eeba th\u00f4ng minh, v\u1eeba c\u00f3 th\u1ec3 ki\u1ec3m ch\u1ee9ng v\u00e0 thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a ng\u01b0\u1eddi d\u00f9ng.\u201d<\/p>\n Tri\u1ebft L\u00fd V\u1ec1 Quy\u1ec1n S\u1edf H\u1eefu T\u00e0i Ch\u00ednh<\/b><\/p>\n M\u1ed9t ch\u1ee7 \u0111\u1ec1 xuy\u00ean su\u1ed1t trong c\u00e1c d\u1ef1 \u00e1n c\u1ee7a Siddiqui l\u00e0 kh\u00e1i ni\u1ec7m t\u1ef1 l\u01b0u k\u00fd v\u00e0 quy\u1ec1n s\u1edf h\u1eefu s\u1ed1.<\/p>\n Khi c\u00e1c h\u1ec7 th\u1ed1ng phi t\u1eadp trung ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n, Siddiqui tin r\u1eb1ng ng\u01b0\u1eddi d\u00f9ng s\u1ebd ng\u00e0y c\u00e0ng y\u00eau c\u1ea7u quy\u1ec1n ki\u1ec3m so\u00e1t l\u1edbn h\u01a1n \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n, danh t\u00ednh v\u00e0 s\u1ef1 tham gia t\u00e0i ch\u00ednh c\u1ee7a h\u1ecd.<\/p>\n Theo anh, quy\u1ec1n s\u1edf h\u1eefu kh\u00f4ng c\u00f2n ch\u1ec9 l\u00e0 m\u1ed9t t\u00ednh n\u0103ng k\u1ef9 thu\u1eadt \u2014 n\u00f3 \u0111ang tr\u1edf th\u00e0nh nguy\u00ean t\u1eafc n\u1ec1n t\u1ea3ng c\u1ee7a t\u00e0i ch\u00ednh hi\u1ec7n \u0111\u1ea1i.<\/p>\n Tri\u1ebft l\u00fd n\u00e0y \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh trong c\u00e1c d\u1ef1 \u00e1n c\u1ee7a anh th\u00f4ng qua:<\/p>\n * H\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh t\u1ef1 l\u01b0u k\u00fd<\/p>\n * Ho\u1ea1t \u0111\u1ed9ng minh b\u1ea1ch tr\u00ean blockchain<\/p>\n * Quy\u1ec1n truy c\u1eadp t\u00e0i ch\u00ednh do ng\u01b0\u1eddi d\u00f9ng ki\u1ec3m so\u00e1t<\/p>\n * Gi\u1ea3m s\u1ef1 ph\u1ee5 thu\u1ed9c v\u00e0o b\u00ean trung gian<\/p>\n * H\u1ec7 th\u1ed1ng h\u1ed7 tr\u1ee3 quy\u1ebft \u0111\u1ecbnh b\u1eb1ng AI m\u00e0 kh\u00f4ng \u0111\u00e1nh m\u1ea5t quy\u1ec1n s\u1edf h\u1eefu<\/p>\n Theo Siddiqui, phi t\u1eadp trung kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 lo\u1ea1i b\u1ecf ho\u00e0n to\u00e0n t\u1ed5 ch\u1ee9c, m\u00e0 l\u00e0 t\u00e1i thi\u1ebft k\u1ebf h\u1ec7 th\u1ed1ng \u0111\u1ec3 ng\u01b0\u1eddi d\u00f9ng gi\u1eef \u0111\u01b0\u1ee3c quy\u1ec1n ki\u1ec3m so\u00e1t th\u1ef1c s\u1ef1.<\/p>\n \u201cT\u1ef1 do t\u00e0i ch\u00ednh b\u1eaft \u0111\u1ea7u khi quy\u1ec1n s\u1edf h\u1eefu kh\u00f4ng c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ef1 cho ph\u00e9p.\u201d<\/p>\n M\u1ed9t T\u1ea7m Nh\u00ecn V\u01b0\u1ee3t Xa Ng\u00e2n H\u00e0ng Truy\u1ec1n Th\u1ed1ng<\/b><\/p>\n T\u1ea7m nh\u00ecn r\u1ed9ng l\u1edbn h\u01a1n c\u1ee7a Siddiqui v\u01b0\u1ee3t ra ngo\u00e0i ph\u1ea1m vi ti\u1ec1n m\u00e3 h\u00f3a hay DeFi nh\u01b0 nh\u1eefng ng\u00e0nh ri\u00eang l\u1ebb.<\/p>\n Anh tin r\u1eb1ng t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh s\u1ebd l\u00e0 s\u1ef1 h\u1ee3p nh\u1ea5t c\u1ee7a:<\/p>\n * Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o<\/p>\n * H\u1ea1 t\u1ea7ng blockchain<\/p>\n * Thanh to\u00e1n to\u00e0n c\u1ea7u<\/p>\n * H\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng<\/p>\n * Danh t\u00ednh s\u1ed1<\/p>\n * T\u00e0i s\u1ea3n th\u1ef1c \u0111\u01b0\u1ee3c s\u1ed1 h\u00f3a<\/p>\n \u2026th\u00e0nh m\u1ed9t h\u1ec7 sinh th\u00e1i k\u1ebft n\u1ed1i th\u1ed1ng nh\u1ea5t.<\/p>\n Theo anh, s\u1ef1 h\u1ed9i t\u1ee5 n\u00e0y s\u1ebd thay \u0111\u1ed5i ho\u00e0n to\u00e0n c\u00e1ch con ng\u01b0\u1eddi t\u01b0\u01a1ng t\u00e1c v\u1edbi ti\u1ec1n b\u1ea1c, \u0111\u1ea7u t\u01b0, ti\u1ebft ki\u1ec7m v\u00e0 n\u1ec1n kinh t\u1ebf s\u1ed1 trong th\u1eadp k\u1ef7 t\u1edbi.<\/p>\n \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 Siddiqui c\u0169ng \u0111\u1eb7c bi\u1ec7t \u0111\u1ec1 cao t\u00ednh d\u1ec5 ti\u1ebfp c\u1eadn.<\/p>\n Trong khi nhi\u1ec1u c\u00f4ng ngh\u1ec7 m\u1edbi v\u1eabn c\u00f2n qu\u00e1 ph\u1ee9c t\u1ea1p, c\u00e1c d\u1ef1 \u00e1n c\u1ee7a anh lu\u00f4n t\u1eadp trung \u0111\u01a1n gi\u1ea3n h\u00f3a tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng \u0111\u1ec3 vi\u1ec7c tham gia v\u00e0o h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh th\u1ebf h\u1ec7 m\u1edbi tr\u1edf n\u00ean d\u1ec5 d\u00e0ng v\u00e0 to\u00e0n c\u1ea7u h\u00f3a h\u01a1n.<\/p>\n \u201cC\u00f4ng ngh\u1ec7 n\u00ean lo\u1ea1i b\u1ecf s\u1ef1 ph\u1ee9c t\u1ea1p kh\u1ecfi cu\u1ed9c s\u1ed1ng con ng\u01b0\u1eddi \u2014 ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ea1o th\u00eam n\u00f3.\u201d<\/p>\n S\u1ef1 C\u00f4ng Nh\u1eadn To\u00e0n C\u1ea7u V\u00e0 \u1ea2nh H\u01b0\u1edfng Trong Ng\u00e0nh<\/b><\/p>\n S\u1ef1 \u1ea3nh h\u01b0\u1edfng ng\u00e0y c\u00e0ng l\u1edbn c\u1ee7a Siddiqui trong l\u0129nh v\u1ef1c fintech v\u00e0 h\u1ea1 t\u1ea7ng phi t\u1eadp trung c\u0169ng \u0111\u00e3 mang l\u1ea1i nhi\u1ec1u s\u1ef1 c\u00f4ng nh\u1eadn qu\u1ed1c t\u1ebf.<\/p>\n N\u0103m 2025, anh \u0111\u01b0\u1ee3c trao gi\u1ea3i th\u01b0\u1edfng E-Business Award b\u1edfi Entrepreneur Middle East nh\u1eb1m ghi nh\u1eadn nh\u1eefng \u0111\u00f3ng g\u00f3p trong \u0111\u1ed5i m\u1edbi kinh doanh s\u1ed1 v\u00e0 t\u00e0i ch\u00ednh t\u01b0\u01a1ng lai.<\/p>\n C\u00f9ng n\u0103m \u0111\u00f3, anh ti\u1ebfp t\u1ee5c nh\u1eadn Times Leadership Award t\u1eeb Times of India Group t\u1ea1i Lucknow \u2014 qu\u00ea h\u01b0\u01a1ng c\u1ee7a anh \u2014 nh\u1eb1m t\u00f4n vinh vai tr\u00f2 th\u00fac \u0111\u1ea9y c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh v\u00e0 h\u1ea1 t\u1ea7ng s\u1ed1 tr\u00ean ph\u1ea1m vi to\u00e0n c\u1ea7u.<\/p>\n Nh\u1eefng gi\u1ea3i th\u01b0\u1edfng n\u00e0y ph\u1ea3n \u00e1nh s\u1ef1 c\u00f4ng nh\u1eadn ng\u00e0y c\u00e0ng r\u00f5 r\u00e0ng c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh r\u1eb1ng t\u01b0\u01a1ng lai s\u1ebd \u0111\u01b0\u1ee3c d\u1eabn d\u1eaft b\u1edfi nh\u1eefng nh\u00e0 l\u00e3nh \u0111\u1ea1o c\u00f3 kh\u1ea3 n\u0103ng k\u1ebft h\u1ee3p gi\u1eefa \u0111\u1ed5i m\u1edbi c\u00f4ng ngh\u1ec7 v\u00e0 tri\u1ec3n khai th\u1ef1c ti\u1ec5n \u1edf quy m\u00f4 l\u1edbn.<\/p>\n Ki\u1ebfn T\u1ea1o Ki\u1ebfn Tr\u00fac C\u1ee7a T\u01b0\u01a1ng Lai<\/b><\/p>\n Khi AI, blockchain v\u00e0 h\u1ea1 t\u1ea7ng phi t\u1eadp trung ti\u1ebfp t\u1ee5c h\u1ed9i t\u1ee5, Siddiqui tin r\u1eb1ng ng\u00e0nh t\u00e0i ch\u00ednh m\u1edbi ch\u1ec9 \u0111ang \u1edf nh\u1eefng b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean c\u1ee7a cu\u1ed9c chuy\u1ec3n \u0111\u1ed5i.<\/p>\n Theo anh, th\u1eadp k\u1ef7 t\u1edbi s\u1ebd kh\u00f4ng ch\u1ec9 thay \u0111\u1ed5i c\u00e1ch con ng\u01b0\u1eddi giao d\u1ecbch \u2014 m\u00e0 c\u00f2n t\u00e1i \u0111\u1ecbnh ngh\u0129a c\u00e1ch to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh v\u1eadn h\u00e0nh t\u1eeb c\u1ed1t l\u00f5i.<\/p>\n \u201cCh\u00fang ta \u0111ang chuy\u1ec3n t\u1eeb t\u00e0i ch\u00ednh \u0111\u1eb7t t\u1ed5 ch\u1ee9c l\u00e0m trung t\u00e2m sang t\u00e0i ch\u00ednh \u0111\u1eb7t tr\u00ed tu\u1ec7 l\u00e0m trung t\u00e2m. Nh\u1eefng h\u1ec7 th\u1ed1ng t\u1ed3n t\u1ea1i \u0111\u01b0\u1ee3c s\u1ebd l\u00e0 nh\u1eefng h\u1ec7 th\u1ed1ng \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean s\u1ef1 minh b\u1ea1ch, kh\u1ea3 n\u0103ng th\u00edch nghi v\u00e0 trao quy\u1ec1n cho con ng\u01b0\u1eddi.\u201d<\/p>\n Trong m\u1ed9t th\u1eddi \u0111\u1ea1i \u0111\u01b0\u1ee3c \u0111\u1ecbnh h\u00ecnh b\u1edfi t\u1ef1 \u0111\u1ed9ng h\u00f3a, quy\u1ec1n s\u1edf h\u1eefu s\u1ed1 v\u00e0 c\u00e1c h\u1ec7 th\u1ed1ng th\u00f4ng minh, Shavez Ahmed Siddiqui<\/a> \u0111ang t\u1eebng b\u01b0\u1edbc \u0111\u1ecbnh v\u1ecb m\u00ecnh kh\u00f4ng ch\u1ec9 nh\u01b0 m\u1ed9t nh\u00e0 s\u00e1ng l\u1eadp hay doanh nh\u00e2n, m\u00e0 c\u00f2n l\u00e0 m\u1ed9t trong nh\u1eefng ki\u1ebfn tr\u00fac s\u01b0 m\u1edbi \u0111ang g\u00f3p ph\u1ea7n x\u00e2y d\u1ef1ng n\u1ec1n h\u1ea1 t\u1ea7ng cho k\u1ef7 nguy\u00ean t\u00e0i ch\u00ednh ti\u1ebfp theo.<\/p>\n