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5G and the Digital Government
Content
1 5G in the Digital Government
2 VNPT Digital Government Strategy in the 5G era
3 Discuss
5G in the Digital Government
1
VNPT
1
• In Vietnam, digital transformation is reflected by 3 closely
related trend
Our view of Digital Government
Smart City
Led by stakeholders:
government, enterprise,
universities, institutes,
communities,…
Industry 4.0
Led by the industries and
businesses/enterprises
Digital Goverment
Led by Goverment
In Vietnam, digital transformation is reflected by 3 closely related trend
VNPT
1 Our view of Digital Government
“Digitally transform the government departments to work collaboratively, effectively and efficiently to drive a
more engaging citizen centric public services with sustainable development of an integrated communities.”
ENGAGE YOUR
CITIZENS
Through connected mobile
services to increase
satisfaction and
participation
EMPOWER YOUR
EMPLOYEES
to do their best work by
leveraging the power of
mobility
OPTIMIZE GOVERNMENT
OPERATIONS
to ensure cost and operating
efficiencies with trusted
cloud services
TRANSFORM
YOUR SERVICES
and better utilize data
to produce actionable
analysis and enable better
decision making
 Improve efficiency
 Enhance citizen
engagement
 Enable rapid response and
transparency
 Increase online and mobile
 Advance government employee
productivity
 Collaborate with integrated
 Increase citizen services
response rates
 Enhance services experience
 Reduce costly
 Enhance capabilities for
managing citizen identity and
data securely
 Improve agency agility
 Increase resiliency with scalable
 Accelerate insight driven decisions
 Achieve the potential of the IoT
 Control government data storage
and analysis costs
 Combine multiple data sources
VNPT
1 Our view of Digital Government
APIs are used extensively across the
Vietnam public sector as an enabler to
digital government
5G will promote the development of
components of the digital government
technology platform
Promote the development of new
technologies in digital government
(AI, Blockchain, IoT, AVR, ...)
5G will enhance the participation
of people using the Government's
digital services
5G contributes to building digital
infrastructure, digital economy,
promoting e-transactions and people's
use of digital services
Promote government open, open
data
VNPT
1 Our view of Digital Government
Citizen
Communication
Layer Administrative Center
Support system
Information
security
&
operation
management
(Data
backup
center,
SOC,
NOC
...)
Postal Call center Other communication
Share Database Specialized Database Government Sectors DBs Collection Database (IoT, …) Share knowledge,
Open data, GIS
Data Warehouse, Data Lake, Bigdata …
Opendata Portal
ChatBot
Virtual Office Knowledge Portal
Social Listening
Web/Portal Email Mobile/ Phone Kiosk/Button
Ecosystem
Social Network
Chat
Receiving and Processing Reflections
System
Public Sector Portal
Internal application/shared Specialized applications Subsystem Central-local Other application
Education Health
Transportation Construction
Tourism Security
Social insurance Judiciary/Civil
Tax Customs
Business
registration
Other
Smart Analytic System
(BI)
Service
Platform
Operation Service
Integration Service
Information Service
Platform Service
Data Intergration
Layer
Data Layer
Environment
Agricalture
Other
Financi/asset Office without
papers
One-stop
service/ HRM
Dashboard
(KPI)
Public relationship
(CRM)
Other
Mobile app for citizens
Enterprise
Public service
(water, electricity,…)
Start-up,
Inovation
Extend Service
Connected
Service
Business Process
Management
Citizen ID Service
Process Monitoring
Service
API management
Decentralization
Servicc
Regulation Management Service
Resource Management
Service
Event Analytic
Service
IoT/AI/ML Service
Open Platform
Service
Collecting Data Integrate &
Process Data
Data mining Analytic & Data mining
(AI, ML, DL,..)
Manage & Provide
Opendata
Citizen Insight
Computational infrastructure
Cloud Storage
Server
Connection Infrastructure
Wired network
Wireless network
3G/4G/5G
Infrastructure
Layer
Data recovery, Disaster recovery,
Testing, Production, …
Collected
Layer
IoT/M2M, gateway, scada,
sensor network, RFID,..
Sensor, Instrumentation, RFID
device, motor, camera, …
Scan barcode, scan
papers, QR codes
GPS, radar, Mobile,
sound, image,…
Strategy and
Policy Enact Police Event Direct Operation Dissemination Strategic Management
Rick
Management
Voice
Government / Civil servants Citizen Enterprise
Process Service
Identity service API Service
Authentication
Service
Mobile ID
Smart ID Other Service
Intergration
Service
Process Monitoring
Service
VNPT Digital Government Strategy
in the 5G era
2
VNPT
2 ABOUT VNPT
VNPT has been gradually transforming to
a digital service provider (DSP), focus on
developing disruptive and innovative ICT
products and services to continue
creating real values for life, contributes to
the strong development of the
Vietnamese economy.
We have been constantly striving to
build a modern, uniform and
widespread national communication
infrastructure system, bringing high-
quality, useful and friendly products
and services to everyone.
VNPT is the leading
telecommunications-information
technology-communications
enterprise of Vietnam for more
than 70 years.
VNPT
2 ABOUT VNPT
Vision
Become the leading digital service
provider in Vietnam by 2025.
Become Digital Hub of Asia by 2030
Become the customers number
1 choice for ICT products and
services in the market
Mission
Provide customers and partners with high-quality,
disruptive and innovative Telecommunication and ICT and
Digital products and services
Honor and appreciate the true
value of the employees
Pioneer in community activities
2
• VNPT broadband network
VNPT Telecommunication network capacity
4 submarine cables, 1 terrestrial cable
Using capacity of 3.8 Tbps on the international internet
link, ensure safety and backup
05 international optical cable links
7200 OLT, total capacity of 10 million FTTH/GPON
portals
Optical Line Termination (OLT GPON)
Total capacity: 48 Tbps
IP Core network provided in 63/63
provinces and cities
Total capacity: 15 Tbps
Dense Wavelength Division Multiplex
(DWDM) national and multi-region
+ 5.4 million subscribers of
FTTH
+ 1.2 million subscribers of IPTV
Total ADSL broadband
subscribers
Total capacity: 57 Tbps
National IP network
Broadband Nework
VNPT
2 VNPT – a leader in e-government solutions
60% of
hospitals & healthcare
facilities running on VNPT’s
Hospital Information
System
VNPT Education Suite
serving
5 millions students &
10,000 schools nation-wide
55 strategic ICT
cooperation agreements
signed, out of 63 provinces
A trusted partner of the
Office of the Government
in the digital
transformation of our
government operations
and services
VNPT is focusing on building IoT Platform, Big Data Platform, Cloud Platform, Smart City,
M2M/IoT, AI and specialized IT solutions in Health, Education and Security, Traffic Safety...
VNPT
2 VNPT Digital Ecosystem
• School Management (vnEdu)
• e-learning platform
• Smart classroom (smart devices, e-books,
digital libraries, e-learning, smart student
cards)
• Student smart card
• Interconnected health information system,
health data portal
• Electronic health record, Smart card for
patients
• Emergency management system
• Monitoring and forecasting diseases
spread
• Tele-medicine
• IoT devices for health.
Smart City
IT porfolios
of VNPT
• Safe City
• Smart Transportation
• Urban Planning Management
• GIS, Land management
• Environment Monitoring
• Government– citizen Interaction
Platform (My City)
• Intelligent Operation Center
Digital
Goverment
• Administrative procedure
digitalization,
• Digital workspace
• Online public services
• Electronic Citizen Platform
• Data Lake/Data warehouse
• Open Data
Smart Tourism
SME
e- Healthcare
e-
Education
• ERP/CRM/HRM
• POS/DMS
• Smart Ads
• Tracking
• Social Listening
• Online Tourism Portal and Interactive App
• Digitalize tourism data national-wide
VNPT has comprehensive technology capabilities for SmartCity, digital transformation and smart
applications with the ecosystem of IT portfolios across different areas.
VNPT
2 Vietnam Data Exchange Platform - VDXP
Citizen
Government
Province
District
VDXP is the premise of the data integration
platform for the construction of e-Government,
towards the digital government, digital
economy, digital society.
Easily link the department IDs across different
platforms with VDXP’s 4 million connections
between email and mobile IDs and cookie and
email IDs.
Over 10 million data points are available in
the VDXP DXP, the first ever Data Exchange
Platform on Vietnamese.
Open Data
Online
public services
Digital
workspace
5G
The national Document Exchange Platform
System, using X-Road technology, deployed
to 95 ministries, branches, provinces and
cities nationwide in January 2019.
Ministry
Unified
Identification
&
Authentication
System
Business
 Citizen ID
 Smart ID
 Mobile ID
 Business ID
 Smart ID
Online
public services
Open Data
Organization
 Smart ID
 Officer ID
Data sharing
Unified
Biometrics System
(fingerprint, voice, face,..)
VNPT
2 VNPT Digital Ecosystem
Smart Tourism
Digital
Government
Safe City
Smart Agriculture
Smart Education
Smart Environment
Smart
Healthcare
Smart Transportation
Unified Identification
& Authentication System
Smart Urban
Planning
Cloud Office
Government–
citizen Interaction
Platform (My City)
ERP/CRM/HRM
Smart classroom
(smart devices, e-
books, digital libraries,
e-learning, smart
student cards)
P
Electronic health record,
Smart card for patients
Online public services
Open Data
Digital workspace
Monitoring and
forecasting diseases
spread
Electronic health
record, Smart
card for patients
Data Lake/Data
warehouse
VDXP
VDXP
VDXP
VDXP
VDXP
VNPT
2 Innovative Digital Galaxy - IDG
Face recognition system, extract
information on ID card, passport,
driver's license, ... minimizing fake
registration transactions and illegal
Widely used in banking, digital finance,
and public services,…
Authentication and identification
solutions on advanced technology
platforms are AI and Blockchain
(storage data)
APIs are used extensively across the
Vietnam public sector as an enabler to
digital government
AI – Blockchain – Cloud Computing – AVR - IoT
Advanced services
Modern
New services Open API
VNPT
2 Digital Consumerism
• VNPT plays a pioneering role in non-cash payment
• Serving 30 million telecommunications customers and 40 million customers using IT solutions in the fields of
Health, e-government, education, tourism, ...
• Especially with Mobile Money service, VNPT Pay customers can use telecom account to pay. This is a project that
the government is very interested in
1
2
3
4
 Money transfer services
 VNPT Pay e-wallet system
 Connect Core Banking systems
 Mobile payment services, mobile money transfers, money transfers between
subscribers, small credit transactions, mobile account management ...
 Users has can pay remotely via mobile phone (electricity bill, water bill ...), transfer /
receive money
 Rating of customer service
 Financial verification
 Bigdata / KYC for customer analysis
 Online/mobile, omni-channel, Develop comparison tools
 InsurTech market place
 P2P Lending
MONEY
TRANSFER
MOBILE
MONEY
CREDIT
SCORING
OTHER
2 VNPT IoT Platform
 VNPT IoT Platform subsystem is designed and developed dedicated for Machine SIM provision to
enterprise customers such as Telcos/MNOs.
 Thousands of data SIMs for machines can be provided simultaneously in just a few simple steps.
 We will assist you no matter what whether you have a single SIM or a batch of SIM cards.
 Enterprise customers can centrally manage their own data SIMs for machines, view realtime diagnostics for SIM
troubles, select data plans that are suitable for machines and IoT Applications, obtain historical usage reports,
make plans for Data SIMs in the future with many more benefits.
VNPT
3 Discuss
VNPT
Thank you!
VIETNAM POSTS AND TELECOMMUNICATIONS GROUP
Head Office: 57 Huynh Thuc Khang Str., Dong Da District, Ha Noi.
Tel: (+ 84) 24 37741048
Fax: (+84) 24 37741093
Website: http://www.vnpt.com.vn
VNPT-VINAPHONE CORPORATION
Address: 57 Huynh Thuc Khang Str., Dong Da District, Ha Noi.
Tel: (+ 84) 24 33992288
Fax: (+84) 24 33992299
VNPT-MEDIA CORPORATION
Address: 57A Huynh Thuc Khang Str., Dong Da District, Ha Noi.
Tel: (+84) 24 3772 2728
Fax: (+84) 24 3772 2733
VNPT-NET CORPORATION
Address: No.30, Pham Hung Str., Nam Tu Liem District, Ha Noi.
Tel: (+84) 24 37877777
Fax: (+84) 24 37876600
VNPT- IT COMPANY
Address: 57A Huynh Thuc Khang Str., Dong Da
District, Ha Noi.
Tel: (+84) 24 3385 5588
Fax: (+84) 24 3553 3388
VNPT – TECHNOLOGY COMPANY
Address: 124 Hoang Quoc Viet Str., Cau Giay
District, Ha Noi.
Tel: (+84) 24 3748 0922
Fax: (+84) 24 3784 0925

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S2.3 [VNPT]-5G and the Digital Government-v1.4.pptx

  • 1. 5G and the Digital Government
  • 2. Content 1 5G in the Digital Government 2 VNPT Digital Government Strategy in the 5G era 3 Discuss
  • 3. 5G in the Digital Government 1
  • 4. VNPT 1 • In Vietnam, digital transformation is reflected by 3 closely related trend Our view of Digital Government Smart City Led by stakeholders: government, enterprise, universities, institutes, communities,… Industry 4.0 Led by the industries and businesses/enterprises Digital Goverment Led by Goverment In Vietnam, digital transformation is reflected by 3 closely related trend
  • 5. VNPT 1 Our view of Digital Government “Digitally transform the government departments to work collaboratively, effectively and efficiently to drive a more engaging citizen centric public services with sustainable development of an integrated communities.” ENGAGE YOUR CITIZENS Through connected mobile services to increase satisfaction and participation EMPOWER YOUR EMPLOYEES to do their best work by leveraging the power of mobility OPTIMIZE GOVERNMENT OPERATIONS to ensure cost and operating efficiencies with trusted cloud services TRANSFORM YOUR SERVICES and better utilize data to produce actionable analysis and enable better decision making  Improve efficiency  Enhance citizen engagement  Enable rapid response and transparency  Increase online and mobile  Advance government employee productivity  Collaborate with integrated  Increase citizen services response rates  Enhance services experience  Reduce costly  Enhance capabilities for managing citizen identity and data securely  Improve agency agility  Increase resiliency with scalable  Accelerate insight driven decisions  Achieve the potential of the IoT  Control government data storage and analysis costs  Combine multiple data sources
  • 6. VNPT 1 Our view of Digital Government APIs are used extensively across the Vietnam public sector as an enabler to digital government 5G will promote the development of components of the digital government technology platform Promote the development of new technologies in digital government (AI, Blockchain, IoT, AVR, ...) 5G will enhance the participation of people using the Government's digital services 5G contributes to building digital infrastructure, digital economy, promoting e-transactions and people's use of digital services Promote government open, open data
  • 7. VNPT 1 Our view of Digital Government Citizen Communication Layer Administrative Center Support system Information security & operation management (Data backup center, SOC, NOC ...) Postal Call center Other communication Share Database Specialized Database Government Sectors DBs Collection Database (IoT, …) Share knowledge, Open data, GIS Data Warehouse, Data Lake, Bigdata … Opendata Portal ChatBot Virtual Office Knowledge Portal Social Listening Web/Portal Email Mobile/ Phone Kiosk/Button Ecosystem Social Network Chat Receiving and Processing Reflections System Public Sector Portal Internal application/shared Specialized applications Subsystem Central-local Other application Education Health Transportation Construction Tourism Security Social insurance Judiciary/Civil Tax Customs Business registration Other Smart Analytic System (BI) Service Platform Operation Service Integration Service Information Service Platform Service Data Intergration Layer Data Layer Environment Agricalture Other Financi/asset Office without papers One-stop service/ HRM Dashboard (KPI) Public relationship (CRM) Other Mobile app for citizens Enterprise Public service (water, electricity,…) Start-up, Inovation Extend Service Connected Service Business Process Management Citizen ID Service Process Monitoring Service API management Decentralization Servicc Regulation Management Service Resource Management Service Event Analytic Service IoT/AI/ML Service Open Platform Service Collecting Data Integrate & Process Data Data mining Analytic & Data mining (AI, ML, DL,..) Manage & Provide Opendata Citizen Insight Computational infrastructure Cloud Storage Server Connection Infrastructure Wired network Wireless network 3G/4G/5G Infrastructure Layer Data recovery, Disaster recovery, Testing, Production, … Collected Layer IoT/M2M, gateway, scada, sensor network, RFID,.. Sensor, Instrumentation, RFID device, motor, camera, … Scan barcode, scan papers, QR codes GPS, radar, Mobile, sound, image,… Strategy and Policy Enact Police Event Direct Operation Dissemination Strategic Management Rick Management Voice Government / Civil servants Citizen Enterprise Process Service Identity service API Service Authentication Service Mobile ID Smart ID Other Service Intergration Service Process Monitoring Service
  • 8. VNPT Digital Government Strategy in the 5G era 2
  • 9. VNPT 2 ABOUT VNPT VNPT has been gradually transforming to a digital service provider (DSP), focus on developing disruptive and innovative ICT products and services to continue creating real values for life, contributes to the strong development of the Vietnamese economy. We have been constantly striving to build a modern, uniform and widespread national communication infrastructure system, bringing high- quality, useful and friendly products and services to everyone. VNPT is the leading telecommunications-information technology-communications enterprise of Vietnam for more than 70 years.
  • 10. VNPT 2 ABOUT VNPT Vision Become the leading digital service provider in Vietnam by 2025. Become Digital Hub of Asia by 2030 Become the customers number 1 choice for ICT products and services in the market Mission Provide customers and partners with high-quality, disruptive and innovative Telecommunication and ICT and Digital products and services Honor and appreciate the true value of the employees Pioneer in community activities
  • 11. 2 • VNPT broadband network VNPT Telecommunication network capacity 4 submarine cables, 1 terrestrial cable Using capacity of 3.8 Tbps on the international internet link, ensure safety and backup 05 international optical cable links 7200 OLT, total capacity of 10 million FTTH/GPON portals Optical Line Termination (OLT GPON) Total capacity: 48 Tbps IP Core network provided in 63/63 provinces and cities Total capacity: 15 Tbps Dense Wavelength Division Multiplex (DWDM) national and multi-region + 5.4 million subscribers of FTTH + 1.2 million subscribers of IPTV Total ADSL broadband subscribers Total capacity: 57 Tbps National IP network Broadband Nework
  • 12. VNPT 2 VNPT – a leader in e-government solutions 60% of hospitals & healthcare facilities running on VNPT’s Hospital Information System VNPT Education Suite serving 5 millions students & 10,000 schools nation-wide 55 strategic ICT cooperation agreements signed, out of 63 provinces A trusted partner of the Office of the Government in the digital transformation of our government operations and services VNPT is focusing on building IoT Platform, Big Data Platform, Cloud Platform, Smart City, M2M/IoT, AI and specialized IT solutions in Health, Education and Security, Traffic Safety...
  • 13. VNPT 2 VNPT Digital Ecosystem • School Management (vnEdu) • e-learning platform • Smart classroom (smart devices, e-books, digital libraries, e-learning, smart student cards) • Student smart card • Interconnected health information system, health data portal • Electronic health record, Smart card for patients • Emergency management system • Monitoring and forecasting diseases spread • Tele-medicine • IoT devices for health. Smart City IT porfolios of VNPT • Safe City • Smart Transportation • Urban Planning Management • GIS, Land management • Environment Monitoring • Government– citizen Interaction Platform (My City) • Intelligent Operation Center Digital Goverment • Administrative procedure digitalization, • Digital workspace • Online public services • Electronic Citizen Platform • Data Lake/Data warehouse • Open Data Smart Tourism SME e- Healthcare e- Education • ERP/CRM/HRM • POS/DMS • Smart Ads • Tracking • Social Listening • Online Tourism Portal and Interactive App • Digitalize tourism data national-wide VNPT has comprehensive technology capabilities for SmartCity, digital transformation and smart applications with the ecosystem of IT portfolios across different areas.
  • 14. VNPT 2 Vietnam Data Exchange Platform - VDXP Citizen Government Province District VDXP is the premise of the data integration platform for the construction of e-Government, towards the digital government, digital economy, digital society. Easily link the department IDs across different platforms with VDXP’s 4 million connections between email and mobile IDs and cookie and email IDs. Over 10 million data points are available in the VDXP DXP, the first ever Data Exchange Platform on Vietnamese. Open Data Online public services Digital workspace 5G The national Document Exchange Platform System, using X-Road technology, deployed to 95 ministries, branches, provinces and cities nationwide in January 2019. Ministry Unified Identification & Authentication System Business  Citizen ID  Smart ID  Mobile ID  Business ID  Smart ID Online public services Open Data Organization  Smart ID  Officer ID Data sharing Unified Biometrics System (fingerprint, voice, face,..)
  • 15. VNPT 2 VNPT Digital Ecosystem Smart Tourism Digital Government Safe City Smart Agriculture Smart Education Smart Environment Smart Healthcare Smart Transportation Unified Identification & Authentication System Smart Urban Planning Cloud Office Government– citizen Interaction Platform (My City) ERP/CRM/HRM Smart classroom (smart devices, e- books, digital libraries, e-learning, smart student cards) P Electronic health record, Smart card for patients Online public services Open Data Digital workspace Monitoring and forecasting diseases spread Electronic health record, Smart card for patients Data Lake/Data warehouse VDXP VDXP VDXP VDXP VDXP
  • 16. VNPT 2 Innovative Digital Galaxy - IDG Face recognition system, extract information on ID card, passport, driver's license, ... minimizing fake registration transactions and illegal Widely used in banking, digital finance, and public services,… Authentication and identification solutions on advanced technology platforms are AI and Blockchain (storage data) APIs are used extensively across the Vietnam public sector as an enabler to digital government AI – Blockchain – Cloud Computing – AVR - IoT Advanced services Modern New services Open API
  • 17. VNPT 2 Digital Consumerism • VNPT plays a pioneering role in non-cash payment • Serving 30 million telecommunications customers and 40 million customers using IT solutions in the fields of Health, e-government, education, tourism, ... • Especially with Mobile Money service, VNPT Pay customers can use telecom account to pay. This is a project that the government is very interested in 1 2 3 4  Money transfer services  VNPT Pay e-wallet system  Connect Core Banking systems  Mobile payment services, mobile money transfers, money transfers between subscribers, small credit transactions, mobile account management ...  Users has can pay remotely via mobile phone (electricity bill, water bill ...), transfer / receive money  Rating of customer service  Financial verification  Bigdata / KYC for customer analysis  Online/mobile, omni-channel, Develop comparison tools  InsurTech market place  P2P Lending MONEY TRANSFER MOBILE MONEY CREDIT SCORING OTHER
  • 18. 2 VNPT IoT Platform  VNPT IoT Platform subsystem is designed and developed dedicated for Machine SIM provision to enterprise customers such as Telcos/MNOs.  Thousands of data SIMs for machines can be provided simultaneously in just a few simple steps.  We will assist you no matter what whether you have a single SIM or a batch of SIM cards.  Enterprise customers can centrally manage their own data SIMs for machines, view realtime diagnostics for SIM troubles, select data plans that are suitable for machines and IoT Applications, obtain historical usage reports, make plans for Data SIMs in the future with many more benefits.
  • 20. VNPT Thank you! VIETNAM POSTS AND TELECOMMUNICATIONS GROUP Head Office: 57 Huynh Thuc Khang Str., Dong Da District, Ha Noi. Tel: (+ 84) 24 37741048 Fax: (+84) 24 37741093 Website: http://www.vnpt.com.vn VNPT-VINAPHONE CORPORATION Address: 57 Huynh Thuc Khang Str., Dong Da District, Ha Noi. Tel: (+ 84) 24 33992288 Fax: (+84) 24 33992299 VNPT-MEDIA CORPORATION Address: 57A Huynh Thuc Khang Str., Dong Da District, Ha Noi. Tel: (+84) 24 3772 2728 Fax: (+84) 24 3772 2733 VNPT-NET CORPORATION Address: No.30, Pham Hung Str., Nam Tu Liem District, Ha Noi. Tel: (+84) 24 37877777 Fax: (+84) 24 37876600 VNPT- IT COMPANY Address: 57A Huynh Thuc Khang Str., Dong Da District, Ha Noi. Tel: (+84) 24 3385 5588 Fax: (+84) 24 3553 3388 VNPT – TECHNOLOGY COMPANY Address: 124 Hoang Quoc Viet Str., Cau Giay District, Ha Noi. Tel: (+84) 24 3748 0922 Fax: (+84) 24 3784 0925

Editor's Notes

  1. IDG tăng cường cho hệ sinh thái số Xác thực sinh trắc học (vân tay, khuôn mặt, giọng nói,…) Mở API cho bên thứ 3 để ứng dụng triệt để công nghệ 4.0
  2. Mục tiêu bình dân hóa thanh toán tới người dân, thúc đẩy tiêu dùng thanh toán các dịch vụ số Mobile Money – Ngân hàng 4.0 InsurTech – Chợ số công nghệ bảo hiểm Credit scoring - Chấm điểm tín dụng P2P Lending – Sàn giao dịch vay ngang hàng