<p>Cu&#7897;c c&#7841;nh tranh to&agrave;n c&#7847;u &#273;&#7875; thu h&uacute;t nh&acirc;n t&agrave;i t&agrave;i ch&iacute;nh chuy&ecirc;n s&acirc;u &#273;ang n&oacute;ng l&ecirc;n, khi c&aacute;c ng&acirc;n h&agrave;ng l&#7899;n c&#7911;a Nh&#7853;t B&#7843;n ch&#7911; &#273;&#7897;ng tuy&#7875;n d&#7909;ng ng&#432;&#7901;i c&oacute; b&#7857;ng ti&#7871;n s&#297; (PhD) v&agrave; c&aacute;c chuy&ecirc;n gia qu&#7843;n l&yacute; c&#7845;p cao nh&#7857;m th&uacute;c &#273;&#7849;y chuy&#7875;n &#273;&#7893;i s&#7889;.</p>
<p>S&#7921; chuy&#7875;n h&#432;&#7899;ng chi&#7871;n l&#432;&#7907;c trong t&agrave;i ch&iacute;nh truy&#7873;n th&#7889;ng (<a href="https://beincrypto.com/learn/tradfi-vs-defi-guide/" target="_blank" rel="noreferrer noopener">TradFi</a>) n&agrave;y ph&#7843;n chi&#7871;u &mdash; v&agrave; c&ograve;n th&uacute;c &#273;&#7849;y &mdash; m&#7897;t xu h&#432;&#7899;ng song song &#7903; FinTech v&agrave; crypto to&agrave;n c&#7847;u, n&#417;i tuy&#7875;n d&#7909;ng &#273;&atilde; chuy&#7875;n m&#7841;nh sang c&aacute;c k&#7929; s&#432; c&oacute; chuy&ecirc;n m&ocirc;n s&acirc;u v&#7873; Tr&iacute; tu&#7879; Nh&acirc;n t&#7841;o (AI), t&agrave;i ch&iacute;nh trong khu&ocirc;n kh&#7893; qu&#7843;n l&yacute; v&agrave; token h&oacute;a Real World Asset (RWA) k&#7875; t&#7915; n&#7917;a sau n&#259;m 2025.</p>
<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-tradfi-s-structural-pivot-a-response-to-digital-restructuring">B&#432;&#7899;c ngo&#7863;t c&#7845;u tr&uacute;c c&#7911;a TradFi: ph&#7843;n &#7913;ng tr&#432;&#7899;c s&#7921; t&aacute;i c&#7845;u tr&uacute;c s&#7889;</h2>

<p>C&aacute;c &#273;&#7883;nh ch&#7871; t&agrave;i ch&iacute;nh l&#7899;n c&#7911;a Nh&#7853;t B&#7843;n, g&#7891;m Mizuho Financial Group v&agrave; Mitsubishi UFJ Financial Group (<a href="https://vn.beincrypto.com/mufg-enters-1-3-billion-japan-security-token-market/" target="_blank" rel="noreferrer noopener">MUFG</a>), &#273;ang thay &#273;&#7893;i m&#7841;nh m&ocirc; h&igrave;nh tuy&#7875;n d&#7909;ng c&#7889;t l&otilde;i. V&#7889;n l&acirc;u nay thi&ecirc;n v&#7873; &#7913;ng vi&ecirc;n t&#7889;t nghi&#7879;p kh&#7889;i nh&acirc;n v&#259;n v&agrave; khoa h&#7885;c x&atilde; h&#7897;i, c&aacute;c ng&acirc;n h&agrave;ng n&agrave;y nay &#432;u ti&ecirc;n chuy&ecirc;n m&ocirc;n STEM &mdash; th&#7875; hi&#7879;n qua quy&#7871;t &#273;&#7883;nh c&#7911;a Mizuho n&acirc;ng l&#432;&#417;ng kh&#7903;i &#273;i&#7875;m cho nh&acirc;n vi&ecirc;n m&#7899;i c&oacute; b&#7857;ng PhD th&ecirc;m kho&#7843;ng 520 USD (JPY 80,000; g&#7845;p 4 l&#7847;n m&#7913;c t&#259;ng d&agrave;nh cho ng&#432;&#7901;i c&oacute; b&#7857;ng c&#7917; nh&acirc;n) &aacute;p d&#7909;ng cho &#273;&#7907;t tuy&#7875;n n&#259;m 2026.</p>
<p>&#272;&#7897;ng l&#7921;c ph&aacute;t tri&#7875;n nh&acirc;n s&#7921; n&#7897;i b&#7897; n&agrave;y l&agrave; c&#7847;n thi&#7871;t v&igrave; m&ocirc; h&igrave;nh ng&acirc;n h&agrave;ng truy&#7873;n th&#7889;ng &#273;ang chuy&#7875;n t&#7915; giao d&#7883;ch t&#7841;i qu&#7847;y sang s&#7921; h&#7897;i t&#7909; gi&#7919;a s&#7889; v&agrave; tr&#7921;c ti&#7871;p. Ng&acirc;n h&agrave;ng ph&#7843;i t&iacute;ch h&#7907;p ph&acirc;n t&iacute;ch n&acirc;ng cao v&agrave; AI v&agrave;o m&#7885;i ho&#7841;t &#273;&#7897;ng, bao g&#7891;m cho vay ph&#7913;c t&#7841;p, quy tr&igrave;nh th&#7849;m &#273;&#7883;nh v&agrave; c&aacute;c li&ecirc;n doanh.</p>
<p>B&ecirc;n c&#7841;nh &#273;&oacute;, b&#7857;ng vi&#7879;c &#273;&#432;a nh&acirc;n s&#7921; t&#7889;t nghi&#7879;p kh&#7889;i khoa h&#7885;c v&agrave; k&#7929; thu&#7853;t l&ecirc;n c&aacute;c v&#7883; tr&iacute; c&#7845;p cao (C-suite) &mdash; xu h&#432;&#7899;ng do Ch&#7911; t&#7883;ch MUFG Hironori Kamezawa, m&#7897;t c&#7917; nh&acirc;n to&aacute;n h&#7885;c, d&#7851;n d&#7855;t v&agrave; &#273;&#432;&#7907;c &aacute;p d&#7909;ng t&#7841;i Sumitomo Mitsui Financial Group (SMFG) n&#417;i g&#7847;n 40% th&agrave;nh vi&ecirc;n ban &#273;i&#7873;u h&agrave;nh c&oacute; b&#7857;ng khoa h&#7885;c ho&#7863;c k&#7929; thu&#7853;t &mdash; ng&agrave;nh ng&acirc;n h&agrave;ng Nh&#7853;t &#273;ang &#273;&#7863;t c&#432;&#7907;c r&otilde; r&agrave;ng v&agrave;o <a href="https://vn.beincrypto.com/japan-banks-eye-bitcoin-investment-and-stablecoin-launch/" target="_blank" rel="noreferrer noopener">l&atilde;nh &#273;&#7841;o s&#7889; t&#7915; n&#7897;i b&#7897;</a> &#273;&#7875; c&#7911;ng c&#7889; l&#7907;i th&#7871; c&#7841;nh tranh tr&#432;&#7899;c c&aacute;c c&ocirc;ng ty c&ocirc;ng ngh&#7879; t&#259;ng tr&#432;&#7903;ng nhanh nh&#432; PayPay, n&#417;i 80% nh&agrave; ph&aacute;t tri&#7875;n h&#7879; th&#7889;ng l&agrave; k&#7929; s&#432; n&#432;&#7899;c ngo&agrave;i.</p>
<h2 class="bic-gutenberg-heading wp-heading wp-block-heading" id="h-crypto-sector-s-new-hiring-thesis-the-ai-rwa-pivot">Lu&#7853;n &#273;i&#7875;m tuy&#7875;n d&#7909;ng m&#7899;i c&#7911;a ng&agrave;nh crypto: s&#7921; chuy&#7875;n h&#432;&#7899;ng sang AI / RWA</h2>

<p>Trong khi TradFi s&#259;n &#273;&oacute;n chuy&ecirc;n gia STEM, ng&agrave;nh crypto v&agrave; Web3 to&agrave;n c&#7847;u &#273;&atilde; thu h&#7865;p tr&#7885;ng t&acirc;m, r&#7901;i xa vi&#7879;c tuy&#7875;n c&aacute;c l&#7853;p tr&igrave;nh vi&ecirc;n blockchain n&oacute;i chung &#273;&#7875; t&igrave;m nh&acirc;n t&agrave;i chuy&ecirc;n s&acirc;u &#7903; c&aacute;c m&#7843;ng giao thoa &mdash; m&#7897;t xu h&#432;&#7899;ng th&#7845;y r&otilde; t&#7915; n&#7917;a sau n&#259;m 2025.</p>
<h3 class="wp-block-heading" id="h-1-the-ai-integration-mandate">1. Ch&#7881; th&#7883; t&iacute;ch h&#7907;p AI</h3>

<p>Th&agrave;nh th&#7841;o AI kh&ocirc;ng c&ograve;n l&agrave; l&#7921;a ch&#7885;n m&agrave; &#273;&atilde; tr&#7903; th&agrave;nh &#273;i&#7873;u ki&#7879;n ti&ecirc;n quy&#7871;t cho ph&aacute;t tri&#7875;n Web3 ti&ecirc;n ti&#7871;n. Doanh nghi&#7879;p t&igrave;m ki&#7871;m k&#7929; s&#432; v&agrave; nh&agrave; khoa h&#7885;c d&#7919; li&#7879;u c&oacute; kh&#7843; n&#259;ng x&acirc;y d&#7921;ng c&aacute;c gi&#7843;i ph&aacute;p DeFi v&#7853;n h&agrave;nh b&#7857;ng AI, t&#259;ng c&#432;&#7901;ng <a href="https://www.rand.org/content/dam/rand/pubs/research_reports/RRA2500/RRA2533-1-v2/RAND_RRA2533-1-v2.pdf" target="_blank" rel="noreferrer noopener">c&aacute;c giao th&#7913;c b&#7843;o m&#7853;t tr&#432;&#7899;c c&aacute;c cu&#7897;c t&#7845;n c&ocirc;ng t&#7921; &#273;&#7897;ng</a>, v&agrave; ph&aacute;t tri&#7875;n h&#7841; t&#7847;ng chuy&ecirc;n bi&#7879;t nh&#432; m&#7841;ng t&iacute;nh to&aacute;n AI phi t&#7853;p trung (DePIN). V&iacute; d&#7909;, c&aacute;c c&ocirc;ng ty &#273;&agrave;o Bitcoin &#273;ang t&iacute;ch c&#7921;c tuy&#7875;n chuy&ecirc;n gia trung t&acirc;m d&#7919; li&#7879;u (data center) v&agrave; GPU &#273;&#7875; chuy&#7875;n h&#432;&#7899;ng h&#7841; t&#7847;ng sang d&#7883;ch v&#7909; l&#432;u tr&#7919; AI, ph&#7843;n &aacute;nh s&#7921; thay &#273;&#7893;i c&#259;n b&#7843;n trong m&ocirc; h&igrave;nh kinh doanh.</p>
<h3 class="wp-block-heading" id="h-2-regulatory-and-rwa-expertise">2. Chuy&ecirc;n m&ocirc;n v&#7873; ph&aacute;p l&yacute; v&agrave; RWA</h3>

<p>S&#7921; ch&#7845;p nh&#7853;n &#7903; c&#7845;p th&#7875; ch&#7871; &#273;&#7889;i v&#7899;i <a href="https://vn.beincrypto.com/bitcoin-ethereum-etf-outflows-blackrock-fraud/" target="_blank" rel="noreferrer noopener">ETF Bitcoin giao ngay</a> v&agrave; &#273;&#7897;ng l&#7921;c th&uacute;c &#273;&#7849;y quy &#273;&#7883;nh cho stablecoin khi&#7871;n n&#259;ng l&#7921;c tu&acirc;n th&#7911; v&agrave; chuy&ecirc;n m&ocirc;n t&agrave;i ch&iacute;nh truy&#7873;n th&#7889;ng tr&#7903; n&ecirc;n kh&ocirc;ng th&#7875; thi&#7871;u. C&aacute;c c&ocirc;ng ty FinTech to&agrave;n c&#7847;u &#273;&#7863;c bi&#7879;t nh&#7855;m &#273;&#7871;n nh&#7919;ng chuy&ecirc;n gia c&oacute; n&#7873;n t&#7843;ng trong:</p>
<ul class="bic-gutenberg-list wp-list list-disc ">
<li>Ph&aacute;p lu&#7853;t t&agrave;i ch&iacute;nh v&agrave; tu&acirc;n th&#7911;: &#272;&#7875; &#273;i&#7873;u h&#432;&#7899;ng nh&#7919;ng khu&ocirc;n kh&#7893; &#273;ang thay &#273;&#7893;i nh&#432; <a href="https://vn.beincrypto.com/genius-act-staking-loophole-us-banking-risk/" target="_blank" rel="noreferrer noopener">GENIUS Act</a> c&#7911;a M&#7929; v&agrave; <a href="https://beincrypto.com/learn/mica-guide/" target="_blank" rel="noreferrer noopener">MiCA</a> c&#7911;a ch&acirc;u &Acirc;u.</li>

<li>Token h&oacute;a (RWA): <a href="https://beincrypto.com/learn/how-to-invest-rwa-crypto/">RWA</a> v&#7851;n l&agrave; c&acirc;u chuy&#7879;n t&#259;ng tr&#432;&#7903;ng l&#7899;n nh&#7845;t, &#273;&ograve;i h&#7887;i k&#7929; s&#432; c&oacute; th&#7875; token h&oacute;a t&agrave;i s&#7843;n k&eacute;m thanh kho&#7843;n (b&#7845;t &#273;&#7897;ng s&#7843;n, n&#7907; doanh nghi&#7879;p) v&agrave; t&iacute;ch h&#7907;p ch&uacute;ng an to&agrave;n v&#7899;i h&#7879; th&#7889;ng ng&acirc;n h&agrave;ng hi&#7879;n c&oacute;.</li>
</ul>

<p>TradFi &#273;ang tuy&#7875;n chuy&ecirc;n gia &#273;&#7875; hi&#7879;n &#273;&#7841;i h&oacute;a c&#7845;u tr&uacute;c analog c&#7911;a m&igrave;nh, trong khi c&aacute;c c&ocirc;ng ty Web3 tuy&#7875;n chuy&ecirc;n gia &#273;&#7875; k&#7871;t n&#7889;i c&#7845;u tr&uacute;c s&#7889; v&#7899;i n&#7873;n kinh t&#7871; th&#7921;c &#273;&#432;&#7907;c qu&#7843;n l&yacute;. M&#7863;t tr&#7853;n chung v&#7873; nh&acirc;n t&agrave;i gi&#7901; t&#7853;p trung ho&agrave;n to&agrave;n v&agrave;o nh&#7919;ng ng&#432;&#7901;i c&oacute; th&#7875; qu&#7843;n tr&#7883; r&#7911;i ro, &#273;&#7843;m b&#7843;o tu&acirc;n th&#7911; v&agrave; khai th&aacute;c AI &#273;&#7875; b&#7855;c c&#7847;u gi&#7919;a hai th&#7871; gi&#7899;i.</p>


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