Kusintha kwa digito kwa banki

Pomwe mliri wapanga digito ndi yofunika Kwa gawo lamabanki, mabanki ambiri ndi mabungwe azachuma anali atachitapo kale izi m'zaka zaposachedwa. Mabanki ambiri anali atayamba kale kuphatikiza digito muzopereka zawo.

M'malo mwake, digito ndikusintha kwa data kukhala mtundu wa digito ndikutengera ukadaulo. Kusintha kwa digito kumabanki kumachepetsa zolakwika za anthu ndipo motero kumalimbitsa kukhulupirika kwamakasitomala.

M'malo mwake, kukhazikitsidwa kwa digito ndikofunikira kwambiri pamabanki. Mwa kuvomereza digito, mabanki amatha kupereka chithandizo chamakasitomala. Izi zimapereka phindu kwa makasitomala ndikupulumutsa nthawi.

Masiku ano, anthu ali ndi mwayi mabanki 24/24 chifukwa cha ntchito zamabanki pa intaneti. Kusamalira ndalama zambiri kwakhalanso kosavuta. Digitalization yathandizanso makasitomala pothandizira kugulitsa kopanda ndalama.

Makasitomala sakufunikanso kusunga ndalama ndipo amatha kusintha kulikonse, nthawi iliyonse. Koma choyamba, ngati mukufuna kupeza ndalama ndi 1XBET popanda ndalama, dinani apa kuti mupange akaunti yanu ndikupindula ndi 50 FCFA kuti muyambe. Nambala yampikisano: argent2035

🥀 Kodi digitization ya banki ndi chiyani?

La digitaliti amaimira kusintha kwa digito, mawu omwe amatanthauza kuchita zinthu mosiyana, ndi cholinga chochita bwino. Tikulankhula za kusintha kofunikira momwe mabanki amagwirira ntchito ndikupereka phindu kwa makasitomala.

Njira yowona ya digito imaphatikizapo ukadaulo, anthu, njira ndi momwe zinthu zimachitikira. Nthawi zonse pamakhala chinthu chaukadaulo ku banki ya digito, koma ulendowu umafunikanso kusintha chikhalidwe cha banki.

Ndi digito ya banki, anthu akuyembekezeka kugwiritsa ntchito matekinoloje atsopano ndi kuzolowera njira zatsopano zogwirira ntchito. Izi zitha kukhala zopusitsa, anthu amadziwika kuti amalephera kusintha.

Kusintha kwa digito pamabanki kukukakamiza mabanki amitundu yonse kuti ayesetse kugwiritsa ntchito matekinoloje atsopano ndi ntchito pamlingo uliwonse. Koma kusintha kwa digito kumatanthauza chiyani mu gawo la banki?

Kusintha kwa digito kwa banki Zambiri zimatengera kusintha kwa mautumiki apaintaneti ndi digito, komanso kuchuluka kwakukulu kwa zosintha zam'mbuyo zomwe zimafunikira kuti zithandizire kusinthaku.

Kuti zitheke, zifukwa ndi zopindulitsa za kusintha ziyenera kufotokozedwa m'bungwe lonse. "Mapu amisewu" ayenera kufotokozedwa ndikuphunzitsidwa kofunikira ndi kuphunzitsa. Nazi zinthu zazikulu zopambana zamabanki a digito.

🥀 Zinthu zofunika kwambiri pakuchita bwino kwa banki ya digito

Kusintha kwa digito kubanki kubanki imakulolani kuti mupange ulendo wogwirizana komanso waumwini wamakasitomala a digito.

Kupanga ulendo wamakasitomala adijito kumatanthauza kuchitapo kanthu kuti aphatikizire chilichonse papulatifomu imodzi yapaintaneti kuti kasitomala azithandizidwa pogwiritsa ntchito zida zomwezo, nthawi zina ndi anthu omwewo, komanso chidziwitso chofanana panthawi yonseyi.

Apa, machitidwe monga kusintha gulu lamagulu, kuphatikiza akatswiri m'magulu ogulitsa, ndipo mwina kuphatikiza malonda ndi malonda mu gulu lomwelo kungathandize kwambiri. Kuti tichite bwino pakupanga digito, izi ndi zomwe tiyenera kuchita:

✔ Kufotokozeranso zomwe kasitomala amakumana nazo

Koposa zonse, ikani makasitomala ndi zosowa zawo patsogolo kuti apange mayankho okhazikika. Mabanki amayenera kuganizira zopangana ndi makasitomala pafupipafupi komanso nthawi zambiri panthawi yomwe akufuna.

✔ Khalani ndi masomphenya oyambira mafoni

Kuyambira kubanki osalumikizana nawo kupita ku akaunti yapaintaneti, makasitomala amayembekeza kuti zinthu ndi ntchito zizipezeka pazida zonyamulika, nthawi iliyonse. Masiku ano, mabanki amagwiritsa ntchito zitsanzo za digito zokha ndipo amapereka makasitomala awo ntchito zambiri zamabanki pa mafoni a m'manja (Barnes, 2015).

Mwa njira iyi, mabanki amalimbitsa udindo wawo wa uphungu wa makasitomala ndi kugawa kwa mauthenga oyankhulana monga WhatsApp, Skype, ndi zina zotero. Amalimbitsa mgwirizano wawo ndi makasitomala awo kudzera pa intaneti (Japparova ndi Rupeika-Apoga, 2017).

✔ Pangani njira yosinthira deta

Kupanga mayankho kumatanthauza kudziwa zomwe muli nazo, zomwe mukufuna, mafunso omwe muyenera kufunsa, komanso momwe mungatanthauzire mayankho. Kuyika pakati pa dataset yomwe ilipo ndiyofunikira.

Ndipotu, mabanki amakono ali ndi deta zambiri kuposa kale lonse. Kuchuluka kwa ntchito za digito zomwe amapereka, m'pamenenso amasonkhanitsa deta yambiri.

Deta iyi imawalola kuti achitepo kanthu pakusintha ndikuwongolera mawonekedwe awo ogwirira ntchito, ntchito zamakasitomala komanso njira zawo zamabizinesi. Deta imawathandiza kumvetsetsa makasitomala m'njira zatsopano, pogwiritsa ntchito chidziwitsocho kuti adziwe mwayi, kukhathamiritsa malonda ndi ntchito, ndikudzipangira okha mayankho.

Zochita zokha komanso kugwiritsa ntchito mayankho a digito monga ziphuphu ndi Artificial Intelligence nawonso ndi mbali ya mabanki ambiri njira zosinthira digito.

✔ Kusankha njira zamakono zamakono

Mukaphatikizira mautumiki atsopano m'ntchito zokhala ndi njira zambiri zomwe zatsalira komanso katundu, komanso kutengera kuwunika kwakukulu kwa banki, kusankha nsanja zomwe mungagwiritse ntchito komanso momwe mungagwiritsire ntchito ndikofunikira. .

Kwa mkulu wa banki masiku ano, pali mavuto ambirimbiri oti athetse. Pali zovuta zachuma, zogwirira ntchito komanso zowongolera kuti ziyendetsedwe pakanthawi kochepa. Palinso mkangano wovuta kuti ukadaulo uti uzikhala wosokoneza kwambiri kapena wofunikira kusintha.

Mwachitsanzo, ena amakhulupirira kuti mtambo umapereka mwayi waukulu kwa mabanki. Imapereka ntchito zapamwamba, zaumwini, zenizeni zomwe makasitomala ndi makasitomala amayembekezera kwa ena, AI imapereka phindu lalikulu.

Komabe mabanki ali ndi mwayi wabwino kwambiri popeza adasungabe kudalirika kwamakasitomala ndipo ayenera kukhala ndi likulu loti agwiritse ntchito njira yoyenera. Ukadaulo wotsogola komanso chilengedwe cha digito chomwe chingachepetse ndalama popereka zinthu zabwinoko komanso zokumana nazo zamakasitomala zidzakhala zofunika kwambiri pakupambana.

🥀 Kodi mungapindule bwanji ndi digito ya banki?

Nazi njira zina zomwe mabanki angathandizire kukonza digito kuti awonjezere phindu lawo ndikupatsa makasitomala awo mwayi womwe amafunikira.

✔ Mgwirizano ndi makampani aukadaulo

Monga zimphona zamakono monga Amazon ndi Apple zimapanga ndalama zothandizira ogula, zimafunikira wina woti athetse njira zovuta zogwirira ntchito zamabanki.

Kwa mabanki, izi zimatsegula mwayi wa mgwirizano waukadaulo ndi mwayi wopeza makasitomala amphamvu amakampani awa. Ngakhale titanyalanyaza zomwe zidachitika ndi zimphona zamakono komanso mwayi wopeza makasitomala amphamvu amakampani awa. Nazi ubwino waukulu wa njirayi:

• Mabanki amatha kugwiritsa ntchito makasitomala awo omwe alipo komanso kuthekera kwawo kogwirira ntchito
• Limbikitsani kuyanjana kwamakasitomala
• Jambulani zambiri kuti mumvetsetse makasitomala awo ndikudziwitsani zakusintha kwamunthu
• Mabanki amatha kupanga pang'onopang'ono ntchito zachilengedwe zomwe makasitomala awo amafunikira kuti awonjezere ndalama zatsopano ndikuletsa makasitomala awo kuti asasunthike kupita kumakampani. fintech mabizinesi omwe akutuluka ndi digito.

✔ Invest in automation kuti mukhale osavuta komanso kuchepetsa ndalama

Kugwiritsa ntchito njira zosiyanasiyana kumatha kuchepetsa ndalama ndikuwongolera magwiridwe antchito kuti apereke phindu lochulukirapo kwa makasitomala. Zimachepetsanso kuwonjezereka mwa kuchepetsa kudalira antchito a anthu, zomwe zingathe kuperekedwa kwa makasitomala mwa njira yochepetsera ndalama.

Mwachitsanzo, munthawi ya COVID-19, kusavuta pang'ono monga ma eStatements omwe amafunidwa kapena kutsimikizira akaunti yapaintaneti kumatha kupulumutsa aliyense nthawi ndi ndalama ndikuchepetsa chiopsezo chotenga matenda pakukhudzana.

✔ Limbikitsani luso

Kufunika ndiye mayi wazinthu zopangidwa, ndipo kupanga njira zatsopano zofikira ndikusamalira makasitomala anu ndikofunikira kuti mukhalebe opikisana ndikuthandizira makasitomala anu okhulupirika panthawi ya mliri.

Masiku ano, mabungwe azachuma ambiri amagwiritsa ntchito ukadaulo wapamwamba kwambiri pakukonza zinthu monga chithandizo chamakasitomala. Komabe, ndikofunikira kutengera gawo la bajetiyi kuti lipange zatsopano kuti zikwaniritse zosowa zamakasitomala omwe akubwera.

Mwachitsanzo, Chifukwa cha zovuta zomwe zikuchitika komanso zachuma, makasitomala ambiri asinthiratu kumalipiro apakompyuta. Ena amavutika kubweza ngongole yawo, pamene ena amalimbikira ndalama zadzidzidzi ndi inshuwalansi kuti alipirire ndalama zomwe zidzawononge mtsogolo.

Ndi mwayi wopeza zambiri zamakasitomala, mabanki amatha kuwunika zomwe zachitika komanso zamakhalidwe kuti apereke chithandizo chamunthu payekha kwa makasitomala awo. Njira zina ndi izi:

• Wonjezerani malire zochita pa intaneti
• Perekani mpumulo mu ma IME, tchuti chobweza, kubweza ngongole ku nyumba, ndi zina zotero.
• Kuwonjezedwa kwa ntchito zangongole zadzidzidzi monga ngongole zachiwongola dzanja chochepa komanso mwayi wopeza maakaunti osungitsa ndalama
• Pangani ndalama zotsimikizirat malipoti anzeru komanso kuwunika kwamakampani osiyanasiyana

Mabanki atha kugwiritsanso ntchito zomwe zalembedwazi kupanga nkhani zapaintaneti zamunthu komanso zokopa anthu kuti alimbikitse zomwe tazitchula pamwambapa kuti zitha kupezeka ndi omwe akuzifuna.

✔ Kuwongolera bwino kwa data

Kwa zaka zisanu zapitazi, deta yomwe yasonkhanitsidwa ndi mabungwe osiyanasiyana, kuphatikizapo omwe ali m'makampani azachuma, yawonjezeka chifukwa cha kusintha kwa digito kwa mafakitale.

Komabe, gawo laling'ono chabe la detayi ndilogwiritsidwa ntchito chifukwa cha silos ogwira ntchito m'mabungwe ambiri.

Monga momwe katswiri aliyense angavomerezere, deta yosagwiritsidwa ntchitoyi ili ndi kuthekera kothandizira mabizinesi kukula mwachangu m'njira yokhazikika yamakasitomala.

Pofuna kukonza kasamalidwe ka deta, mabungwe azachuma ndi mabanki akuyenera kupanga njira yolumikizira deta yomwe ili ndi malo apakati omwe amalumikizidwa ndi nsanja yolimba yoyendetsera.

Kuphatikiza pa kugwirizanitsa deta ndikuwonetsetsa kupezeka kwake, ndikofunikiranso kukhazikitsa njira zoyenera zotetezera chitetezo cha deta ya ogwiritsa ntchito.

🥀 Chidule…

Kuyika ndalama pakupanga digito kungathandize mabanki kukulitsa ndalama komanso kuthandiza makasitomala omwe akhudzidwa ndi mliri womwe ulipo.

Kuchokera pakukhumudwitsa kuyendera nthambi mpaka kupereka zilolezo za ngongole zapaintaneti ndikutsegulira akaunti pophunzitsa anthu banki ya digito kuti athe kupindula ndi ntchito zomwe mabanki amaperekedwa.

Kungakhale lingaliro labwino kuyamba ndikulemba mipata yapadera yakukula yomwe ikugwirizana ndi zomwe banki ili nazo komanso zomwe zitha kuthandizidwa.

M'malo mochita ndalama mwachimbulimbuli m'malo monga kupanga, kupanga zatsopano, kusanthula deta ndikusintha makonda, ndikwanzeru kuzindikira ndikuyamba ndi madera omwe angabweretse phindu lalikulu ndi ndalama zochepa kuti mupeze zotsatira zabwino.

Musanachoke, apa pali maphunziro omwe amakulolani kutero kuchita malonda mu ola limodzi lokha. Dinani apa kuti mugule

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