Kubva kumabhanga echinyakare kusvika kune cryptocurrencies 

Nhoroondo yekristptocurrencies yakatanga muna 2009. Vakaputika panzvimbo seimwe nzira yemagariro emabhengi uye misika yemari. Nekudaro, mazhinji emazuva ano emabhangi uye masangano emari anovimba ne blockchain tekinoroji uye cryptocurrencies kuvandudza hurongwa hwavo. Mukuwedzera, akawanda achangogadzirwa cryptocurrencies ari kuedzawo kupinda musika wemari yechinyakare.

Muchokwadi, hazvishamise kuti masangano emabhangi ari kukwazisana ne cryptocurrencies. Ramangwana rekubhengi rechinyakare ringadai risina kana rikasashanduka uye richienderana nekufambira mberi kweNew Technologies.

Nzira yedu yezvemari inoramba ichisimbiswa mumuenzaniso wakagadzirwa muhafu yechipiri yezana remakore rapfuura. Yakatsungirira matambudziko ekufamba kwenguva neakasiyana siyana tekinoroji zvigamba, izvo zvakatadza kunyatso kuchinjika zvinobudirira kuzera redhijitari.

The cryptocurrency shanduko

Kusvika kwekristptocurrencies kwave kuri kukanganisa kwemamiriro emari, kupa mamwe mabhenefiti kumushandisi. Mupfungwa iyi, vatengi havadi varevereri kuti vaite kutengeserana kwavo kwehupfumi.

Uyezve, maitiro aya anokurumidza, anogona kuitwa kubva kune chero nharembozha uye kupa mukana kune hupfumi hwenyika.

Hurongwa hwemari pabasa revose

Zvinofanira kurangarirwa kuti kupfuura 2 mamiriyoni evanhu munyika yose havakwanise kuwana mabasa echinyakare ekubhanga. Kuonekwa kwekristptocurrencies kwauya kuzoderedza mamiriro aya. Izvi zvakavabvumira kutora chikamu muhupfumi hwenyika. Yakanga iri shanduko chaiyo inosanganisira mukana wekubuda muurombo.

Iyi nzira yekushanda inofarira kutaridzika kwemari network inotangwa pakati peakaenzana. Zvinoramba zvichiwedzera kupupurira rudzi urwu rwekubatanidza. Mhedzisiro yakananga yeindasitiri yezvemari inoshandura mukutyisidzira chaiko kune chikamu chose.

Chikonzero chekutya kubhengi: peer-to-peer operations ne cryptocurrencies kutiza centralized control. Uye zvakare, kuendesa mari kune dzimwe nyika kuri nyore uye kwakachipa.

Iyo BBA UK Report " Digital Disruption: UK Banking Report inoratidza izvi zvakajeka. Kune nyanzvi, nekushandiswa kweBitcoin, vanhu vanobata zvakawanda zvinodiwa vari voga izvo kusvika zvino zvinoda bhangi. Ikozvino kudyidzana nebhangi hazvifanirwe, uye mushandisi anotochengetedza pamakomisheni.

Mabhengi echinyakare anyangarika here?

Digital currencies yakazunungusa nheyo dzechikamu chaigara midzi munguva yakapfuura. Iko kushanduka kwemabhanga echinyakare hakuna kufambidzana nezvinodiwa zvinogadzirwa nevatengi.

Sezvo nyika yakapinda shanduko yemaindasitiri 4.0. Masekita nemakambani aifanira kutarisana neshanduko ine simba yaizoita kuti varambe vari mumusika uye vachikwikwidza zvachose.

Masangano ekubhanga akaedza kunonoka kana kunzvenga shanduko isingadzivisiki. Kunyange mabhanga makuru haana kukwanisa kusarudza. Chero zvazvingaitika, kunyangwe vakanonoka kuuya, havana sarudzo kunze kwekuzvigadzira ivo pachavo uye cryptocurrencies ingori muromo weiyo iceberg yavanogona kupikisa.

Muchokwadi, kana ivo vachida kuramba vachikwikwidza, mabhanga makuru anofanirwa kupfuura neyakadzama digitalization process. Vanofanira kunge vakagadzirira kupa, munguva chaiyo, sarudzo uye masevhisi ayo, semushandisi, anowanikwa nekushanda nekriptoakti.

Ichokwadi kuti mabhanga anonyanya kuzivikanwa muchikamu atanga kuisa mari kuitira kuti atsvage nekusimudzira blockchain tekinoroji. Chinangwa ndechekukwanisa kuwanazve pasi uye kuwana tsoka mumunda wedhijitari banking.

Farewell kune zvakaipa

Pamusoro pekuvandudzwa kwetekinoroji, bhangi rechinyakare rinofanirwa kubvisa halo yekusavimbana yakaitenderedza mumaziso emutengi. Kwemakumi emakore, mabhangi anga ari mumharadzano yevashandisi vasingagutsikani avo, vasina dhigirii rehutano rekushaiwa rubatsiro, vanopupurira zviito zvisina kunaka.

Kubata maakaundi, kushandisa madhibhiti pamberi pekiredhiti, kuunganidzwa kwemakomisheni, zvinyorwa zvinoshungurudza, chisungo chekutenga zvigadzirwa zvemari… uye kureba nezvimwe, zvakaguma zvaita kuti mutengi anzwe kusavimbana.

Kubva zvino zvichienda mberi, chikamu ichi chinofanira kudzidza icho ne digitization, vatengi vanogona kuwana nzendo dzavo dzose kuburikidza ne-smartphone yakapfava. Zviri pachena kuti maitiro ekubhanga aya mazuva awo averengeka.

Kutarisana nemamiriro ezvinhu aya, pane kare mabhanga ari kuedza kuvandudza mufananidzo wavo. Kuti vaite izvi, ivo vakatarisa, pakati pezvimwe zvinhu, kuvandudza basa ravo revatengi, kupa sarudzo dzedhijitari uye kuderedza kana kubvisa makomisheni.

Chero zvazvingava, mumaonero enyanzvi dzebhangi, bhangi rechinyakare rinofanirwa kubheja pamhinduro dzedhijitari dzinopfuura zvipingamupinyi zvakadzika midzi. Izvi zvinoreva kuti ivo vanofanirwa kupfuura kungonyorera, nenzira yakamisikidzwa, dzimwe sarudzo senge mobile banking services.

Pakati pekuvhiringidza nzira yezvemari inozviwana, kana vakasasiya maitiro ekare uye kugamuchira shanduko yakadzama yavanoda, vanoisa pangozi yekusiiwa.

Zvinyorwa zvehunyanzvi zvakadai se American Banker kukurudzira mabhanga kuti ataure kuti cryptocurrencies inogonawo kuva mukana wemabhanga. Magazini iyi inotaura kuti mibvunzo yakadai senzira yekugadzirisa kubhadhara, kufambisa kushandiswa kwemari yepasi rose, kubvumira kuchinjana kwe bitcoins nokuda kwemari yazvino kana kutya kupa zvikwereti mumari chaiyo, inogona kuwedzera chikamu.

Traditional banking vs cryptocurrencies, shanduko yemisika yemari

Munguva pfupi yapfuura, kwave nekumwe shanduko mumaitiro emamwe mabhanga echinyakare uye masangano emari. Vanoratidzika kunge vaida kuzvivezera nzvimbo mumunda we cryptocurrencies uye blockchain.

Vanoti vanoda kuita kuvandudzwa kwemadandemutande emabhanga. Chokwadi ndechekuti itsva cryptocurrencies yakasikwa iyo, yakabatana nebhangi, iri kuedza kupinda mumusika wechinyakare webhangi.

Imwe yenyaya dzichangoburwa inoreva mubatanidzwa wakavambwa pakati peSantander nemamwe mabhanga gumi nematatu, kusanganisira mazita ane simba seBarclays, Credit Suisse, ING, Lloyds Banking Group, Nasdaq kana Commerzbank.

Aya mbiru dzechinyakare dzekubhanga dzakagadzira Fnality. Chinangwa chinosanganisira kugadzwa kwe“ network of decentralized financial market infrastructures ". Iine mari yayo yedhijitari, USC. Iyi cryptocurrency yakasungirirwa, maererano nekukosha, kune fiat mari.

Hapana sarudzo. Hondo pakati pechinyakare kubhengi uye cryptocurrencies kwatanga uye kana vekare vanoda kukwikwidzana cryptocurrencies. Mabhanga echinyakare anofanirwa kushandura zvinhu zvakawanda. Iyo nzira inofanirwa kupfuura, pakati pezvimwe zvinhu, kubviswa kwenjodzi, mari uye kusashanda. Vachakwanisa here kana kuti kuguma kwehurongwa hwekare husina mhinduro dzemamiriro ezvemari epasi rose?

Muchokwadi, hazvishamise kuti masangano emabhangi ari kukwazisana ne cryptocurrencies. Ramangwana rekubhengi rechinyakare ringadai risina kana rikasashanduka uye richienderana nekufambira mberi kweNew Technologies.

Nzira yedu yezvemari inoramba ichisimbiswa mumuenzaniso wakagadzirwa muhafu yechipiri yezana remakore rapfuura. Yakatsungirira matambudziko ekufamba kwenguva neakasiyana siyana tekinoroji zvigamba, izvo zvakatadza kunyatso kuchinjika zvinobudirira kuzera redhijitari.

The cryptocurrency shanduko

Kusvika kwekristptocurrencies kwave kuri kukanganisa kwemamiriro emari, kupa mamwe mabhenefiti kumushandisi. Mupfungwa iyi, vatengi havadi varevereri kuti vaite kutengeserana kwavo kwehupfumi. Uyezve, maitiro aya anokurumidza, anogona kuitwa kubva kune chero nharembozha uye kupa mukana kune hupfumi hwenyika.

Hurongwa hwemari pabasa revose

Zvinofanira kurangarirwa kuti kupfuura 2 mamiriyoni evanhu munyika yose havakwanise kuwana mabasa echinyakare ekubhanga. Kuonekwa kwekristptocurrencies kwauya kuzoderedza mamiriro aya. Izvi zvakavabvumira kutora chikamu muhupfumi hwenyika. Yakanga iri shanduko chaiyo inosanganisira mukana wekubuda muurombo.

Iyi nzira yekushanda inofarira kutaridzika kwemari network inotangwa pakati peakaenzana. Zvinoramba zvichiwedzera kupupurira rudzi urwu rwekubatanidza. Mhedzisiro yakananga yeindasitiri yezvemari inoshandura mukutyisidzira chaiko kune chikamu chose.

Chikonzero chekutya kubhengi: peer-to-peer operations ne cryptocurrencies kutiza centralized control. Uye zvakare, kuendesa mari kune dzimwe nyika kuri nyore uye kwakachipa.

Iyo BBA UK Report " Digital Disruption: UK Banking Report inoratidza izvi zvakajeka. Kune nyanzvi, nekushandiswa kweBitcoin, vanhu vanobata zvakawanda zvinodiwa vari voga izvo kusvika zvino zvinoda bhangi. Ikozvino kudyidzana nebhangi hazvifanirwe, uye mushandisi anotochengetedza pamakomisheni.

Mabhengi echinyakare anyangarika here?

Digital currencies yakazunungusa nheyo dzechikamu chaigara midzi munguva yakapfuura. Iko kushanduka kwemabhanga echinyakare hakuna kufambidzana nezvinodiwa zvinogadzirwa nevatengi.

Sezvo nyika yakapinda shanduko yemaindasitiri 4.0. Masekita nemakambani aifanira kutarisana neshanduko ine simba yaizoita kuti varambe vari mumusika uye vachikwikwidza zvachose.

Masangano ekubhanga akaedza kunonoka kana kunzvenga shanduko isingadzivisiki. Kunyange mabhanga makuru haana kukwanisa kusarudza. Chero zvazvingaitika, kunyangwe vakanonoka kuuya, havana sarudzo kunze kwekuzvigadzira ivo pachavo uye cryptocurrencies ingori muromo weiyo iceberg yavanogona kupikisa.

Muchokwadi, kana ivo vachida kuramba vachikwikwidza, mabhanga makuru anofanirwa kupfuura neyakadzama digitalization process. Vanofanira kunge vakagadzirira kupa, munguva chaiyo, sarudzo uye masevhisi ayo, semushandisi, anowanikwa nekushanda nekriptoakti.

Ichokwadi kuti mabhanga anonyanya kuzivikanwa muchikamu atanga kuisa mari kuitira kuti atsvage nekusimudzira blockchain tekinoroji. Chinangwa ndechekukwanisa kuwanazve pasi uye kuwana tsoka mumunda wedhijitari banking.

Farewell kune zvakaipa

Pamusoro pekuvandudzwa kwetekinoroji, bhangi rechinyakare rinofanirwa kubvisa halo yekusavimbana yakaitenderedza mumaziso emutengi. Kwemakumi emakore, mabhangi anga ari mumharadzano yevashandisi vasingagutsikani avo, vasina dhigirii rehutano rekushaiwa rubatsiro, vanopupurira zviito zvisina kunaka.

Kubata maakaundi, kushandisa madhibhiti pamberi pekiredhiti, kuunganidzwa kwemakomisheni, zvinyorwa zvinoshungurudza, chisungo chekutenga zvigadzirwa zvemari… uye kureba nezvimwe, zvakaguma zvaita kuti mutengi anzwe kusavimbana.

Kubva zvino zvichienda mberi, chikamu ichi chinofanira kudzidza icho ne digitization, vatengi vanogona kuwana nzendo dzavo dzose kuburikidza ne-smartphone yakapfava. Zviri pachena kuti maitiro ekubhanga aya mazuva awo averengeka.

Kutarisana nemamiriro ezvinhu aya, pane kare mabhanga ari kuedza kuvandudza mufananidzo wavo. Kuti vaite izvi, ivo vakatarisa, pakati pezvimwe zvinhu, kuvandudza basa ravo revatengi, kupa sarudzo dzedhijitari uye kuderedza kana kubvisa makomisheni.

Chero zvazvingava, mumaonero enyanzvi dzebhangi, bhangi rechinyakare rinofanirwa kubheja pamhinduro dzedhijitari dzinopfuura zvipingamupinyi zvakadzika midzi. Izvi zvinoreva kuti ivo vanofanirwa kupfuura kungonyorera, nenzira yakamisikidzwa, dzimwe sarudzo senge mobile banking services.

Pakati pekuvhiringidza nzira yezvemari inozviwana, kana vakasasiya maitiro ekare uye kugamuchira shanduko yakadzama yavanoda, vanoisa pangozi yekusiiwa.

Zvinyorwa zvehunyanzvi zvakadai se American Banker kukurudzira mabhanga kuti ataure kuti cryptocurrencies inogonawo kuva mukana wemabhanga. Magazini iyi inotaura kuti mibvunzo yakadai senzira yekugadzirisa kubhadhara, kufambisa kushandiswa kwemari yepasi rose, kubvumira kuchinjana kwe bitcoins nokuda kwemari yazvino kana kutya kupa zvikwereti mumari chaiyo, inogona kuwedzera chikamu.

Traditional banking vs cryptocurrencies, shanduko yemisika yemari

Munguva pfupi yapfuura, kwave nekumwe shanduko mumaitiro emamwe mabhanga echinyakare uye masangano emari. Vanoratidzika kunge vaida kuzvivezera nzvimbo mumunda we cryptocurrencies uye blockchain.

Vanoti vanoda kuita kuvandudzwa kwemadandemutande emabhanga. Chokwadi ndechekuti itsva cryptocurrencies yakasikwa iyo, yakabatana nebhangi, iri kuedza kupinda mumusika wechinyakare webhangi.

Imwe yenyaya dzichangoburwa inoreva mubatanidzwa wakavambwa pakati peSantander nemamwe mabhanga gumi nematatu, kusanganisira mazita ane simba seBarclays, Credit Suisse, ING, Lloyds Banking Group, Nasdaq kana Commerzbank.

Aya mbiru dzechinyakare dzekubhanga dzakagadzira Fnality. Chinangwa chacho chinosanganisira kugadzwa kwe "network of decentralized financial market infrastructures". Iine mari yayo yedhijitari, USC. Iyi cryptocurrency yakabatanidzwa, maererano nekukosha, kune fiat mari.

Hapana sarudzo. Hondo pakati pechinyakare kubhengi uye cryptocurrencies kwatanga uye kana vekare vanoda kukwikwidzana cryptocurrencies. Mabhanga echinyakare anofanirwa kushandura zvinhu zvakawanda. Iyo nzira inofanirwa kupfuura, pakati pezvimwe zvinhu, kubviswa kwenjodzi, mari uye kusashanda. Vachakwanisa here kana kuti kuguma kwehurongwa hwekare husina mhinduro dzemamiriro ezvemari epasi rose?