Kuchokera kumabanki achikhalidwe kupita ku ma cryptocurrencies 

Mbiri ya cryptocurrencies idayamba mu 2009. Iwo adatulukira pamalowo ngati njira ina yosinthira mabanki achikhalidwe komanso misika yazachuma. Komabe, mabanki ambiri ndi mabungwe azachuma masiku ano amadalira ukadaulo wa blockchain ndi ma cryptocurrencies kuti apititse patsogolo dongosolo lawo. Kuphatikiza apo, ma cryptocurrencies ambiri omwe angopangidwa kumene akuyeseranso kulowa msika wakale wazachuma.

M'malo mwake, sizodabwitsa kuti mabungwe amabanki akugwirana chanza ndi ma cryptocurrencies. Tsogolo lamabanki achikhalidwe silingakhalepo ngati silinasinthe ndikusintha kutsogola kwa New Technologies.

Ndondomeko yathu yazachuma ikupitirizabe kukhazikika mu chitsanzo chomwe chinapangidwa mu theka lachiwiri la zaka zapitazo. Zapirira zovuta za kupita kwa nthawi ndi zigamba zosiyanasiyana zaumisiri, zomwe zalephera kusinthira bwino m'badwo wa digito.

Kusintha kwa cryptocurrency

Kufika kwa cryptocurrencies kwakhala njira yosokoneza pazachuma, kupereka zopindulitsa zambiri kwa wogwiritsa ntchito. M'lingaliro limeneli, makasitomala safuna mkhalapakati kuti agwire ntchito zawo zachuma.

Komanso, njirazi ndi zaposachedwa, zitha kuchitidwa kuchokera ku chipangizo chilichonse cham'manja ndikupereka mwayi wopeza chuma chapadziko lonse lapansi.

Ndondomeko ya zachuma pa ntchito ya onse

Izo ziyenera kuganiziridwa kuti kuposa Anthu 2 miliyoni padziko lonse lapansi alibe mwayi wopeza mabanki akale. Maonekedwe a cryptocurrencies abwera kuti athetse vutoli. Izi zinawalola kutenga nawo mbali pazachuma chapadziko lonse lapansi. Kunali kusintha kwenikweni komwe kumaphatikizapo kuthekera kochoka mu umphawi.

Njira iyi yogwirira ntchito imathandizira kuwoneka kwa maukonde andalama omwe amakhazikitsidwa pakati pa ofanana. Zimakhala zochulukirachulukira kuchitira umboni kulumikizana kwamtunduwu. Zotsatira zachindunji zamakampani azachuma zimamasulira kukhala chiwopsezo chenicheni ku gawo lonse.

Chifukwa choopa kubanki: ntchito za anzawo ndi cryptocurrencies kuthawa ulamuliro pakati. Kuphatikiza apo, kusamutsa ndalama kumayiko ena ndikosavuta komanso kotsika mtengo.

Lipoti la BBA UK " Kusokonezeka Kwapa digito: Lipoti la Banking yaku UK zikuwonetsa izi momveka bwino. Kwa akatswiri, pogwiritsa ntchito Bitcoin, anthu amasamalira zofunika paokha zomwe mpaka pano zimafunikira banki. Tsopano kuyanjana ndi banki sikofunikira, ndipo wogwiritsa ntchito amasunga ngakhale pamakomisheni.

Kodi mabanki achikhalidwe asowa?

Ndalama za digito zagwedeza maziko a gawo lomwe lidakhazikika kale. Kusintha kwa mabanki achikhalidwe sikunagwirizane ndi zosowa zopangidwa ndi makasitomala.

Pamene dziko likulowamo kusintha kwa mafakitale 4.0. Magawo ndi makampani adayenera kuyang'anizana ndi kusintha kwamphamvu komwe kungawasunge pamsika komanso kukhala opikisana.

Mabanki ayesa kuchedwetsa kapena kupeŵa kusintha kosalephereka. Ngakhale mabanki apakati sanathe kusankha. Mulimonsemo, ngakhale abwera mochedwa, alibe chochita koma kudzipanganso okha ndipo ma cryptocurrencies ndi nsonga yokhayo yomwe angatsutse.

M'malo mwake, ngati akufuna kukhalabe opikisana, mabanki akulu ayenera kudutsa njira yozama ya digito. Ayenera kukhala okonzeka kupereka, mu nthawi yeniyeni, zosankha ndi ntchito zomwe, monga wogwiritsa ntchito, zimapezedwa pogwira ntchito ndi cryptocurrencies.

Ndizowona kuti mabanki odziwika kwambiri m'gawoli ayamba kuyika ndalama kuti afufuze ndikukulitsa luso blockchain. Cholinga chake ndikutha kuyambiranso ndikukhalanso ndi gawo lakubanki ya digito.

Tsalani bwino ndi zolakwika

Kupitilira kukonzanso kwaukadaulo, banki yachikhalidwe iyenera kuchotsa kusakhulupirirana komwe kulizungulira pamaso pa ogula. Kwa zaka zambiri, mabanki akhala ali m'gulu la ogwiritsa ntchito osakhutira omwe, popanda kuperewera kwabwino, amawona zochita zosayenera.

Kusokoneza maakaunti, kugwiritsa ntchito ma debiti asanabwereke ndalama, kusonkhanitsa ma komisheni, mawu achipongwe, udindo wogula zinthu zandalama… ndi zina zambiri, zidapangitsa kuti kasitomala ayambe kusakhulupirirana.

Kuyambira pano, gawo ili liyenera kuphunzira izi digito, makasitomala ali ndi mwayi wopita ku maulendo awo onse kudzera pa foni yamakono yosavuta. Zikuwonekeratu kuti machitidwe akubankiwa ali ndi masiku owerengeka.

Pofuna kuthana ndi vutoli, pali kale mabanki omwe akuyesera kukonza chithunzi chawo. Kuti achite izi, ayang'ana, mwa zina, kuwongolera ntchito zawo zamakasitomala, kupereka zosankha zama digito ndikuchepetsa kapena kuchotsa ma komishoni.

Mulimonsemo, malinga ndi akatswiri aku banki, banki yachikhalidwe iyenera kubetcherana pamayankho a digito omwe amapitilira zopinga zake zozikika. Izi zikutanthauza kuti ayenera kupitilira kungogwiritsa ntchito, mwanjira yokhazikika, zosankha zina monga mabanki am'manja.

Pakati pa zosokoneza ndondomeko ya zachuma imadzipeza yokha, ngati sasiya machitidwe akale ndi kuvomereza kusintha kwakukulu komwe amafunikira, amakhala pachiopsezo chosiyidwa.

Mabuku apadera monga Woyang'anira Banki waku America kulimbikitsa mabanki kulengeza kuti cryptocurrencies angakhalenso mwayi kwa mabanki. Magaziniyi inanena kuti mafunso monga momwe angagwiritsire ntchito malipiro, kuthandizira ndalama zapadziko lonse lapansi, kulola kusinthanitsa kwa bitcoins pa ndalama zamakono kapena kuyerekeza kupereka ngongole mu ndalama zenizeni, zikhoza kulimbikitsa gawoli.

Mabanki achikhalidwe vs ma cryptocurrencies, kusinthika kwamisika yazachuma

Posachedwapa, pakhala kusintha kwina m'makhalidwe a mabanki ena achikhalidwe ndi mabungwe azachuma. Akuwoneka kuti akufuna kudzipangira okha malo m'munda wa cryptocurrencies ndi blockchain.

Iwo ati akufuna kupititsa patsogolo njira zamabanki. Chowonadi ndi chakuti ma cryptocurrencies atsopano adapangidwa omwe, molumikizana ndi banki, akuyesera kulowa mumsika wamabanki wamba.

Imodzi mwamilandu yaposachedwa kwambiri imanena za mgwirizano womwe wakhazikitsidwa pakati pa Santander ndi mabanki ena 13, kuphatikiza mayina amphamvu monga Barclays, Credit Suisse, ING, Lloyds Banking Group, Nasdaq kapena Commerzbank.

Izi zipilala zamabanki azikhalidwe zidapanga Fnality. Cholingacho chikukhudza kukhazikitsidwa kwa " network of decentralized financial market infrastructures ". Ili ndi ndalama yake ya digito, USC. Cryptocurrency iyi yamangidwa, malinga ndi mtengo wake, ku ndalama za fiat.

Palibe njira. Nkhondo pakati pa mabanki achikhalidwe ndi ma cryptocurrencies ayamba ndipo ngati akale akufuna kupikisana ndi ndalama za crypto. Mabanki achikhalidwe ayenera kusintha zinthu zambiri. Njirayi iyenera kudutsa, mwa zina, kuthetsa zoopsa, ndalama ndi zosayenera. Kodi adzatha kapena ndiko kutha kwa dongosolo lachikale lopanda mayankho pazachuma padziko lonse lapansi?

M'malo mwake, sizodabwitsa kuti mabungwe amabanki akugwirana chanza ndi ma cryptocurrencies. Tsogolo lamabanki achikhalidwe silingakhalepo ngati silinasinthe ndikusintha kutsogola kwa New Technologies.

Ndondomeko yathu yazachuma ikupitirizabe kukhazikika mu chitsanzo chomwe chinapangidwa mu theka lachiwiri la zaka zapitazo. Zapirira zovuta za kupita kwa nthawi ndi zigamba zosiyanasiyana zaumisiri, zomwe zalephera kusinthira bwino m'badwo wa digito.

Kusintha kwa cryptocurrency

Kufika kwa cryptocurrencies kwakhala njira yosokoneza pazachuma, kupereka zopindulitsa zambiri kwa wogwiritsa ntchito. M'lingaliro limeneli, makasitomala safuna mkhalapakati kuti agwire ntchito zawo zachuma. Komanso, njirazi ndi zaposachedwa, zitha kuchitidwa kuchokera ku chipangizo chilichonse cham'manja ndikupereka mwayi wopeza chuma chapadziko lonse lapansi.

Ndondomeko ya zachuma pa ntchito ya onse

Izo ziyenera kuganiziridwa kuti kuposa Anthu 2 miliyoni padziko lonse lapansi alibe mwayi wopeza mabanki akale. Maonekedwe a cryptocurrencies abwera kuti athetse vutoli. Izi zinawalola kutenga nawo mbali pazachuma chapadziko lonse lapansi. Kunali kusintha kwenikweni komwe kumaphatikizapo kuthekera kochoka mu umphawi.

Njira iyi yogwirira ntchito imathandizira kuwoneka kwa maukonde andalama omwe amakhazikitsidwa pakati pa ofanana. Zimakhala zochulukirachulukira kuchitira umboni kulumikizana kwamtunduwu. Zotsatira zachindunji zamakampani azachuma zimamasulira kukhala chiwopsezo chenicheni ku gawo lonse.

Chifukwa choopa kubanki: ntchito za anzawo ndi cryptocurrencies kuthawa ulamuliro pakati. Kuphatikiza apo, kusamutsa ndalama kumayiko ena ndikosavuta komanso kotsika mtengo.

Lipoti la BBA UK " Kusokonezeka Kwapa digito: Lipoti la Banking yaku UK zikuwonetsa izi momveka bwino. Kwa akatswiri, pogwiritsa ntchito Bitcoin, anthu amasamalira zofunika paokha zomwe mpaka pano zimafunikira banki. Tsopano kuyanjana ndi banki sikofunikira, ndipo wogwiritsa ntchito amasunga ngakhale pamakomisheni.

Kodi mabanki achikhalidwe asowa?

Ndalama za digito zagwedeza maziko a gawo lomwe lidakhazikika kale. Kusintha kwa mabanki achikhalidwe sikunagwirizane ndi zosowa zopangidwa ndi makasitomala.

Pamene dziko likulowamo kusintha kwa mafakitale 4.0. Magawo ndi makampani adayenera kuyang'anizana ndi kusintha kwamphamvu komwe kungawasunge pamsika komanso kukhala opikisana.

Mabanki ayesa kuchedwetsa kapena kupeŵa kusintha kosalephereka. Ngakhale mabanki apakati sanathe kusankha. Mulimonsemo, ngakhale abwera mochedwa, alibe chochita koma kudzipanganso okha ndipo ma cryptocurrencies ndi nsonga yokhayo yomwe angatsutse.

M'malo mwake, ngati akufuna kukhalabe opikisana, mabanki akulu ayenera kudutsa njira yozama ya digito. Ayenera kukhala okonzeka kupereka, mu nthawi yeniyeni, zosankha ndi ntchito zomwe, monga wogwiritsa ntchito, zimapezedwa pogwira ntchito ndi cryptocurrencies.

Ndizowona kuti mabanki odziwika kwambiri m'gawoli ayamba kuyika ndalama kuti afufuze ndikukulitsa luso blockchain. Cholinga chake ndikutha kuyambiranso ndikukhalanso ndi gawo lakubanki ya digito.

Tsalani bwino ndi zolakwika

Kupitilira kukonzanso kwaukadaulo, banki yachikhalidwe iyenera kuchotsa kusakhulupirirana komwe kulizungulira pamaso pa ogula. Kwa zaka zambiri, mabanki akhala ali m'gulu la ogwiritsa ntchito osakhutira omwe, popanda kuperewera kwabwino, amawona zochita zosayenera.

Kusokoneza maakaunti, kugwiritsa ntchito ma debiti asanabwereke ndalama, kusonkhanitsa ma komisheni, mawu achipongwe, udindo wogula zinthu zandalama… ndi zina zambiri, zidapangitsa kuti kasitomala ayambe kusakhulupirirana.

Kuyambira pano, gawo ili liyenera kuphunzira izi digito, makasitomala ali ndi mwayi wopita ku maulendo awo onse kudzera pa foni yamakono yosavuta. Zikuwonekeratu kuti machitidwe akubankiwa ali ndi masiku owerengeka.

Pofuna kuthana ndi vutoli, pali kale mabanki omwe akuyesera kukonza chithunzi chawo. Kuti achite izi, ayang'ana, mwa zina, kuwongolera ntchito zawo zamakasitomala, kupereka zosankha zama digito ndikuchepetsa kapena kuchotsa ma komishoni.

Mulimonsemo, malinga ndi akatswiri aku banki, banki yachikhalidwe iyenera kubetcherana pamayankho a digito omwe amapitilira zopinga zake zozikika. Izi zikutanthauza kuti ayenera kupitilira kungogwiritsa ntchito, mwanjira yokhazikika, zosankha zina monga mabanki am'manja.

Pakati pa zosokoneza ndondomeko ya zachuma imadzipeza yokha, ngati sasiya machitidwe akale ndi kuvomereza kusintha kwakukulu komwe amafunikira, amakhala pachiopsezo chosiyidwa.

Mabuku apadera monga Woyang'anira Banki waku America kulimbikitsa mabanki kulengeza kuti cryptocurrencies angakhalenso mwayi kwa mabanki. Magaziniyi inanena kuti mafunso monga momwe angagwiritsire ntchito malipiro, kuthandizira ndalama zapadziko lonse lapansi, kulola kusinthanitsa kwa bitcoins pa ndalama zamakono kapena kuyerekeza kupereka ngongole mu ndalama zenizeni, zikhoza kulimbikitsa gawoli.

Mabanki achikhalidwe vs ma cryptocurrencies, kusinthika kwamisika yazachuma

Posachedwapa, pakhala kusintha kwina m'makhalidwe a mabanki ena achikhalidwe ndi mabungwe azachuma. Akuwoneka kuti akufuna kudzipangira okha malo m'munda wa cryptocurrencies ndi blockchain.

Iwo ati akufuna kupititsa patsogolo njira zamabanki. Chowonadi ndi chakuti ma cryptocurrencies atsopano adapangidwa omwe, molumikizana ndi banki, akuyesera kulowa mumsika wamabanki wamba.

Imodzi mwamilandu yaposachedwa kwambiri imanena za mgwirizano womwe wakhazikitsidwa pakati pa Santander ndi mabanki ena 13, kuphatikiza mayina amphamvu monga Barclays, Credit Suisse, ING, Lloyds Banking Group, Nasdaq kapena Commerzbank.

Izi zipilala zamabanki azikhalidwe zidapanga Fnality. Cholingacho chikukhudza kukhazikitsidwa kwa "network of decentralized economic market infrastructure". Ili ndi ndalama yake ya digito, USC. Cryptocurrency iyi yalumikizidwa, malinga ndi mtengo wake, ndi ndalama za fiat.

Palibe njira. Nkhondo pakati pa mabanki achikhalidwe ndi ma cryptocurrencies ayamba ndipo ngati akale akufuna kupikisana ndi ndalama za crypto. Mabanki achikhalidwe ayenera kusintha zinthu zambiri. Njirayi iyenera kudutsa, mwa zina, kuthetsa zoopsa, ndalama ndi zosayenera. Kodi adzatha kapena ndiko kutha kwa dongosolo lachikale lopanda mayankho pazachuma padziko lonse lapansi?