Zonse zomwe muyenera kudziwa zokhudza matekinoloje azachuma

Zatsopano zamakono ndi AI imathandizira kupanga mtengo masiku ano. Kubwera kwa intaneti, tikuchitira umboni zambiri zatsopano. Kaya mumabizinesi amalonda kapena othandizira, ntchito zitha kuchitidwa pa intaneti. Kuyambira pogula khofi ku cafe kwanuko mpaka kusamalira ndalama zanu, fintech ili ponseponse. Mu gawo lazachuma mwachitsanzo, lero tikukamba za Fintech kutanthauza fintech.

Fintech yakhala ikugwiritsidwa ntchito pazinthu zambiri zamakono zamakono pakugwiritsa ntchito malipiro kapena cryptocurrency.

Fintech ndi chithunzithunzi cha mawu akuti " zachuma” ndi “teknoloji ". Imatanthawuza bizinesi iliyonse yomwe imagwiritsa ntchito ukadaulo kukonza kapena kukonza ntchito zachuma ndi njira. Pomaliza,

• Fintech ndi chiyani?
• Zimagwira ntchito bwanji?
• Momwe mungagwiritsire ntchito?

M'nkhaniyi, tikuwonetsa zonse zomwe muyenera kudziwa zokhudza matekinoloje azachuma. Koma kuti muyambe, muyenera kudziwa momwe mungagwiritsire ntchito matekinoloje awa m'makampani kuti agwiritse ntchito.

Tiyeni tizipita...

🌿 Fintech ndi chiyani?

Oyambitsa ambiri adayambitsa gawo ili m'zaka zaposachedwa mu kuphulika kwathunthu! Zatsopano zawo zimayang'anira kuwongolera mabanki, kulipira, ngongole, kasamalidwe kazachuma, kusaka ndalama, inshuwaransi, ndi zina.

Chifukwa cha mafoni a m'manja,nzeru zamakono, blockchain, data yayikulu kapena mtambo ☁️, amapereka ntchito zachangu, zothandiza, zotetezeka komanso zotsika mtengo kuposa momwe mabanki amakhalira.

Mwachitsanzo, FinTech imalola kutumiza mwachangu, malipiro opanda mafoni, 100% akaunti yapaintaneti, robo-advisor for portfolio management, crowdfunding, etc.

Magulu akuluakulu akugwiritsanso ntchito matekinoloje atsopanowa kuti akhalebe opikisana 💪. Gawo la FinTech chifukwa chake likukula komanso kutengera anthu ambiri padziko lonse lapansi!

Kwa ogula, FinTech imapangitsa moyo watsiku ndi tsiku kukhala wosavuta komanso imapereka mphamvu zambiri pazachuma. Kwa akatswiri, amakonza njira ndikuchepetsa mtengo 💸. Mphamvu yawo ndi yayikulu komanso ikufuna kupitiriza kukula !

🌿 Kodi fintech imagwira ntchito bwanji?

Fintech si bizinesi yatsopano. Ndi mafakitale chabe omwe ali nawo zidasinthika mwachangu kwambiri. Tekinoloje, kumlingo wina, nthawi zonse yakhala gawo lazachuma.

Kaya ndikuyambitsa makhadi angongole m'zaka za m'ma 1950 kapena ma ATM, malo ochitira malonda apakompyuta, mapulogalamu azandalama zamunthu komanso kuchita malonda kwanthawi yayitali m'zaka zotsatira.

Zamkati mwaukadaulo wazachuma zimasiyana kuchokera ku projekiti kupita ku projekiti kapena kugwiritsa ntchito kupita ku ntchito. Zina mwazomwe zapita patsogolo zimagwiritsa ntchito makina ophunzirira makina, blockchain ndi sayansi ya data kuti achite zonse.

M'malo mwake, pali kagawo kakang'ono kamatekinoloje owongolera otchedwa "regtech" opangidwa kuti azitha kuyang'anira dziko lovuta la kutsata ndi kuwongolera makampani.

Blockchain ndi ledger yomwe imathandizira njira yojambulira zochitika ndikutsata katundu pa intaneti. Katundu amatha kukhala chogwirika kapena chosagwirika. Pafupifupi chilichonse chamtengo wapatali chikhoza kutsatiridwa ndikugulitsidwa pa intaneti ya blockchain. Chani amachepetsa zoopsa ndi ndalama kwa onse okhudzidwa.

Fintech ilipo m'magawo osiyanasiyana ndi mafakitale. Nazi zitsanzo za ntchito za fintech.

🌿 Kugwiritsa Ntchito Fintech Financial Technologies

Makampani azachuma nthawi zambiri sakhala achangu. Koma masiku ano, kusinthika komanso kubwereza mwachangu ndizomwe ogula ndi atsogoleri amabizinesi amayembekezera - ndipo, mochulukira, amafunikira.

Zitsanzo za kugwiritsidwa ntchito kwa fintech zimawoneka paliponse, tikukuwonetsani zomwe zimagwiritsidwa ntchito kwambiri.

✔ Cryptocurrencies ndi ndalama za digito

Cryptocurrency ndi blockchain ndi zitsanzo za Fintech. Kusinthana kwa ndalama za Crypto monga Coinbase ndi Gemini kumalumikiza ogwiritsa ntchito kugula kapena kugulitsa ma cryptocurrencies ngati bitcoin kapena litecoin.

Koma kuwonjezera pa crypto, ntchito za blockchain monga BlockVerify zimathandizira kuchepetsa chinyengo posunga deta yoyambira pa blockchain. matekinoloje amenewa amatchedwa Chizindikiro.

Ndipo ngakhale matekinolojewa atha kukhala otsutsana ndi fintech, atenga gawo lazachuma padziko lonse lapansi m'zaka zaposachedwa.

✔ Insurtech

Ukadaulo wa inshuwaransi ndi chidule cha Insurtech. Ndi gulu lalikulu komanso lotukuka lomwe limagwiritsidwa ntchito m'makampani a inshuwaransi. Tekinoloje iliyonse yogwiritsidwa ntchito ndi kampani ya inshuwaransi kuti iwonjezere magwiridwe antchito ake itha kuonedwa ngati Insurtech.

Digitalization ya dziko la inshuwaransi zikuwoneka ngati zofunika. Lero tikuwona kutuluka kwa zoyambira zomwe zimaphatikiza inshuwaransi ndiukadaulo.

✔ Tsegulani Banking

Tsegulani Banking ndi lingaliro lochokera ku blockchain. Ikuwonetsa kuti anthu ena akuyenera kukhala ndi mwayi wopeza ndalama zamabanki kuti apange mabanki.

Open Banking ndi machitidwe amabanki omwe amapereka othandizira azachuma a chipani chachitatu mwayi wotsegula ku data yakubanki, zochitika ndi zina zambiri zandalama za ogula kuchokera kubanki ndi mabungwe omwe si a mabanki a zachuma pogwiritsa ntchito njira zopangira mapulogalamu.

Zithandizira kulumikizana kwamaakaunti ndi data pakati pa mabungwe kuti agwiritsidwe ntchito ndi ogula, mabungwe azachuma ndi opereka chithandizo chachitatu. Open Banking ikukhala gwero lalikulu lazatsopano zomwe zatsala pang'ono kukonzanso mabanki.

✔ Malipiro a M'manja

Zikuwoneka kuti aliyense yemwe ali ndi foni yam'manja amagwiritsa ntchito njira ina yolipirira mafoni. Ndipotu, malinga ndi data kuchokera ku Statista , msika wapadziko lonse wamalipiro am'manja uli pafupi kupitilira $2019 thililiyoni mu XNUMX.

Chifukwa chaukadaulo wochulukirachulukira, ntchito zatuluka zomwe zimalola ogula kusinthanitsa ndalama ndi kulipira pa intaneti. Izi zitha kuchitika kudzera pakompyuta kapena foni yam'manja kudzera pa mapulogalamu olipira monga.

✔ Mapulogalamu a bajeti

Chimodzi mwazinthu zomwe zimagwiritsidwa ntchito kwambiri ndi fintech ndi mapulogalamu oyang'anira ndalama kwa ogula, omwe kutchuka kwawo kwakula kwambiri pazaka zambiri.

M'mbuyomu, ogula amayenera kupanga bajeti zawo, kusonkhanitsa macheke, kapena kusakatula masamba a Excel kuti azitsatira ndalama zawo. Koma masiku ano sizili choncho. Tsopano, ogula amatha kutsatira mosavuta ndalama zawo, ndalama zomwe amagwiritsa ntchito komanso mapulogalamu.

Mapulogalamu amabajeti ngati Intuit (INTU) amathandiza ogula kutsata ndalama zomwe amapeza, zolipira pamwezi, zomwe amawononga, ndi zina zambiri, zonse pazida zawo zam'manja.

✔ Mapulatifomu a Crowdfunding

Mapulatifomu a crowdfunding kulola atsogoleri a polojekiti kupindula ndi chithandizo cha angelo amalonda. M'malo moyandikira banki yachikhalidwe kuti mubwereke ngongole, tsopano ndi kotheka kulumikizana ndi osunga ndalama mwachindunji.

Ndipo ngakhale zopempha zawo zikuchokera pakupereka ndalama kwa mabanja ndi abwenzi mpaka kupereka ndalama kwa mafani ndi othandizira, kuchuluka kwa nsanja zopezera ndalama zachulukirachulukira kwazaka zambiri.

🌿 Fintech ndi mabanki achikhalidwe

Fintech ndi mabanki amasiyana m'mbali zambiri, koma kusiyana kwakukulu kuli mu cholinga chawo. Mabanki amathandizira omvera ambiri, pomwe ntchito za Fintech zimafuna kuthetsa vuto linalake pamsika.

Chifukwa chake, makampaniwa akuyang'ana kwambiri magwiridwe antchito am'manja, deta yayikulu, kuthekera komanso kupezeka. Mwanjira ina, Fintech ndiyofanana ndi zochitika zambiri mwachangu, 24/7 kupeza ndi kutsegula kwakutali, komwe kungakhale kopindulitsa kwa ambiri.

Kumbali ina, mabanki akutsalira mu dipatimentiyi chifukwa amangophatikiza machitidwe a UX omwe angatsimikizire makasitomala awo onse. kuyanjana kopanda msoko. Monga momwe mawuwo akusonyezera, Fintech imaphatikizanso matekinoloje omwe amapereka ntchito zofulumira komanso zotetezeka m'malo mwake mabanki achikhalidwe.

Komabe, mabanki amatha kukhala Fintechs. Ngakhale kuti Fintech ikugwirizana ndi chinthu chatsopano komanso chamakono, kugwiritsa ntchito zipangizo zamakono zothandizira ntchito zachuma si zachilendo.

Makhadi a ngongole zinayambitsidwa mu 50s, mabanki pa intaneti m'zaka za m'ma 90 ndi ukadaulo wolipira popanda kulumikizana m'zaka khumi zoyambirira zazaka za XNUMXst.

Kufunika kwa kupita patsogolo kwaukadaulo pamabanki aku banki kwapangitsa kuti banki iliyonse iyang'ane njira zapamwamba zaukadaulo.

🌿 Ubwino wa Fintech Financial Technologies

Ubwino umodzi wa FinTech ndikupereka kwa ntchito zomwe zagonjetsa zoletsa zina zamakina olipira.

Chitsanzo Choletsa ichi ndi cholepheretsa malo omwe anthu amayenera kupitabe kumabanki kukapanga ndalama. Chifukwa chake, fintech ili ndi kuthekera kotukuka kuphatikiza ndalama.

Kupita patsogolo kwa FinTech mwanjira ina kudapambana lamuloli pomwe anthu adayamba kugwiritsa ntchito ntchito za FinTech monga ma wallet a digito ndi mafoni, POS yam'manja ndi kusamutsa anzawo kupita kwa anzawo.

Ubwino wina wa Fintechs ndikumasuka kwa mafoni a m'manja omwe amagwiritsa ntchito mitundu ina ya digito makhadi a ngongole kapena debit. Komanso, ndi yabwino ntchito, centralization wa njira malipiro amachepetsa kugula processing nthawi.

Fintech ndiyotsika mtengo, imangobwera ndi zotsika mtengo zogwirira ntchito komanso zotsika mtengo. Komanso, zotuluka ndi zachangu komanso zotetezeka. Simukuyeneranso kuyang'aniridwa ndi macheke ambiri.

🌿 Malire a matekinoloje azachuma

Ngakhale akulonjeza, matekinoloje azachuma (FinTech) alinso ndi zovuta ndi zofooka zina:

La chitetezo cha data ndizovuta kwambiri. Chiwopsezo cha kubera ndi kutayikira kwa data tcheru chikuchulukira ndikuchepetsa kwa ntchito zachuma. Kulephera kwa machitidwewa kungayambitse mavuto aakulu.

Malamulo awo zingakhale zovuta kwa akuluakulu. Gawoli likuyenda mwachangu, zomwe zimapangitsa kuti zikhale zovuta kusintha malamulo ndikuwunika osewera. Ntchito zina zatsopano zimagwira ntchito m'malo otuwa.

FinTech ikhoza kuyambitsa kuchotsedwa kwa ntchito zambiri m'mabanki achikhalidwe, osinthidwa ndi ma algorithms ndi AI. Izi zimaphatikizapo kuphunzitsanso akatswiri.

Kulumikizana kwa digito kokha kumatsogolera kusokoneza ubale wamakasitomala. Upangiri wamunthu payekha umakhalabe wofunikira pazachuma zovuta. Ma FinTechs ambiri amalephera kufikira misa yayikulu ndikusokonekera patatha zaka zingapo. Ogula ziyenera kuwonetsetsa kukhazikika kwawo.

Ntchito zaulere kapena zotsika mtengo kwambiri zitha kubisa kugwiritsa ntchito ndalama zambiri zamakasitomala. Kuwonekera ndikofunikira.

Ngakhale pali zovuta izi, zomwe FinTech zathandizira zimawoneka zabwino kwambiri pakupititsa patsogolo gawo lazachuma ndi mabanki. Koma kukhala maso imayikidwa paziwopsezo zina zomwe zingatheke.

🌿 Makampani 5 apamwamba kwambiri a Fintech padziko lapansi

Kampani ya Fintech ndi bizinesi iliyonse yomwe imagwiritsa ntchito ukadaulo wamakono kupereka chithandizo chandalama kwa ogwiritsa ntchito.

Pazaka khumi zapitazi, luso lazachuma lakhala gawo lofunikira kwambiri pamakampani opanga ukadaulo. Pansipa pali makampani 5 ofunika kwambiri a fintech padziko lonse lapansi. Iwo amandandalikidwa mokwera.

✔ Coinbase

Coinbase ndi cryptocurrency kusinthana komwe kunakhazikitsidwa mu 2012, kupatsa ogwiritsa ntchito mwayi wogula, kugulitsa ndi kusunga chuma cha digito monga Bitcoin, Ethereum ndi ma cryptocurrencies ena otchuka.

Kampaniyo yakhala imodzi mwazogulitsa nsanja zazikulu komanso zodalirika Kusinthana kwa ndalama za Digito padziko lonse lapansi, kuperekanso zikwama za digito ndi zinthu zina zambiri zokhudzana ndi ndalama za crypto. Monga kampani yogulitsa pagulu, Coinbase imatsatiridwa kwambiri ndi osunga ndalama ndi owonera msika.

Coinbase imapereka zinthu ndi ntchito zosiyanasiyana kuphatikiza kusinthanitsa kugula, kugulitsa ndi kugulitsa ndalama za crypto, chikwama cha digito kuti musunge zinthu za digito, Coinbase Pro yomwe ndi nsanja yapamwamba yotsatsa, Coinbase Earn yomwe ndi pulogalamu yophunzitsa kuti ogwiritsa ntchito aphunzire za ndalama za crypto. ndikupeza chuma cha digito pobweza, komanso njira zothetsera amalonda ndi mabizinesi omwe akufuna kuvomereza ndalama za cryptocurrency.

Ndalama za Coinbase monga kampani yogulitsa anthu ndizowonekera ndipo zikhoza kuwonedwa kudzera muzinthu zachuma ndi malipoti amakampani.

✔ Paytm

Paytm ndiye kampani yayikulu kwambiri yaukadaulo wazachuma ku India. Idakhazikitsidwa mu 2010 poyamba ngati nsanja yapaintaneti yowonjezeretsa mafoni.

Pofika chaka cha 2015, zoyambira zidakula kukhala ntchito zamalonda zapaintaneti komanso zolipira pa intaneti ndipo zidapeza ogwiritsa ntchito olembetsa 104 miliyoni. Ogwiritsa ntchito pano ali pafupi ndi 350 miliyoni (2019).

Kampaniyo idakweza $ 1 biliyoni m'malikulu atsopano pamtengo wa $ 16 biliyoni kuchokera kwa omwe adagulitsapo kale - Gulu la Ant la Alibaba ndi SoftBank Vision Fund, pakati pamakampani ena abizinesi mu 2019.

M'mbuyomu, kuwerengera kwa Paytm kudafika $ 11 biliyoni mu 2018 pambuyo pa ndalama zokwana $ 357 miliyoni za Berkshire Hathaway.

✔️ Adyen

Adyen ndi kampani yotchuka kwambiri ya fintech ku Europe. Zimalola mabizinesi ndi amalonda kulandira malipiro kuchokera kulikonse padziko lapansi.

Izi kudzera pamanetiweki amakhadi (monga VISA ndi Mastercard) ndi njira zolipirira zakomweko. Kuphatikiza apo, imagwiritsa ntchito kuphunzira pamakina kuti ipereke zidziwitso zamalonda kuti akwaniritse bwino ndalama.

Kampaniyo yakhala yopindulitsa kuyambira 2011. Mu 2016, chiwongoladzanja chake chinawonjezeka ndi 99% kufika $727 miliyoni. Adyen amathandizidwa ndi mabizinesi akuluakulu komanso mabungwe azibizinesi, kuphatikiza Temasek Holdings, General Atlantic ndi Index Ventures. Zinapezeka poyera mu June 2018.

✔️ Mikwingwirima

Sungani ndi njira yolipirira pa intaneti yomwe idakhazikitsidwa mu 2010, kupatsa mabizinesi kuthekera kokonza zolipira pa kirediti kadi ndi njira zina zolipirira pa intaneti. Kampaniyo yakhala wosewera wamkulu pa malo olipira pa intaneti, yopereka mayankho pakukonza malipiro, kubweza, kuwongolera zolembetsa ndi ntchito zina zofananira.

Monga kampani yabizinesi, zambiri za momwe Stripe amagwirira ntchito pazachuma sizipezeka paliponse ngati zamakampani ogulitsa pagulu. Stripe imadziwika ndi mawonekedwe ake osavuta kugwiritsa ntchito, chitetezo, komanso kuthekera kophatikizana mosavuta ndi mawebusayiti ndi mapulogalamu am'manja.

Zogulitsa ndi ntchito za Stripe zikuphatikiza njira yolipirira pa intaneti kuti mabizinesi agwiritse ntchito kirediti kadi ndi njira zina zolipirira, zida zolipirira poyang'anira zolembetsa ndi zolipira mobwerezabwereza, ndi mayankho pazamalonda.

✔ Ant Financial

Ant Financial yochokera ku China, ndi kampani yayikulu kwambiri padziko lonse lapansi yaukadaulo wazachuma. Ili ndi ndalama zolemetsa zingapo, kuphatikiza Alipay, nsanja yayikulu kwambiri yolipira pa intaneti, ndi Yu'e Bao, thumba lachitatu lalikulu pamsika wandalama padziko lonse lapansi. Imayendetsanso njira yopezera ngongole yachinsinsi yotchedwa Sesame Credit.

Kampaniyo idakhazikitsidwa pambuyo poti Alipay adatchedwanso Ant Financial Services mu 2014. Chaka chotsatira, kampaniyo idapeza ndalama zambiri kuchokera 6,5 mabiliyoni a madola kuchokera ku China Investment Corp ndi mabungwe ena akumaloko.

🌿 Chidule

Pomaliza, matekinoloje azachuma monga Coinbase ndi Stripe asintha momwe ndalama zimagwirira ntchito. Mapulatifomuwa amapereka njira zatsopano zolipirira pa intaneti, malonda a cryptocurrency ndi kasamalidwe kazinthu za digito.

Ngakhale Coinbase imadziwika ndi udindo wake wotsogola pakusinthana kwa ndalama za Digito ndi zinthu zake zosiyanasiyana, Stripe imadziwika ndi nsanja yake yolipira pa intaneti komanso zida zapamwamba zolipirira. Makampaniwa akupitiliza kukonza tsogolo lazachuma ndipo amatenga gawo lofunikira pakusintha kwachuma padziko lonse lapansi.

Ndi kudzipereka kwawo kuzinthu zatsopano ndi chitetezo, Coinbase ndi Stripe amakhalabe patsogolo pa luso lazachuma, akupereka njira zothetsera mavuto omwe akukula amalonda ndi ogula m'zaka za digito.

Zatha !! Koma kuti ndikusiyeni, nazi malangizo ndi njira zopangira ndi kukula kampani kapena bizinesi yanu.

Tisiyeni ndemanga