Iyo digitization yebhangi chikamu

Nepo denda raita digitalization chinhu chinodiwa Kune chikamu chebhangi, mabhanga mazhinji uye masangano emari akange atotora matanho mune izvi mumakore apfuura. Mabhanga mazhinji akange atotanga kuisa dhijitari mukupa kwavo sevhisi.

Muchokwadi, dhijitari ndiko kushandurwa kwedata kuita dhijitari fomati nekutorwa kwehunyanzvi. Banking digitalization inoderedza kukanganisa kwevanhu uye nokudaro inosimbisa kuvimbika kwevatengi.

Muchokwadi, kugamuchirwa kwedhijitari kwakakosha zvikuru kune chikamu chebhangi. Nekugamuchira digitalization, mabhangi anogona kupa akavandudzwa masevhisi evatengi. Izvi zvinopa mabhenefiti kune vatengi uye zvinochengetedza nguva.

Nhasi, vanhu vanogona kuwana mabhanga 24/24 tenda kune online banking services. Kutarisira mazakwatira emari kwava nyorewo. Digitalization yakabatsirawo vatengi nekufambisa mari isina mari.

Vatengi havachadi kuchengetedza mari uye vanogona transact chero kupi, chero nguva. Asi kutanga, kana uchida kuwana mari pamwe 1XBET pasina kuisa mari, tinya apa kuti ugadzire account yako uye kubatsirwa kubva ku50 FCFA kutanga. Kodhi yekushambadza: argent2035

🥀 Chii chinonzi digitization yebhangi?

La digitalisation inomirira shanduko yedhijitari, izwi rinoratidza kuita zvinhu zvakasiyana, nechinangwa chekuita zvirinani. Tiri kutaura nezve shanduko yakakosha munzira inoshanda nebhanga uye inopa kukosha kune vatengi.

Iyo yechokwadi dhijitari zano inosanganisira tekinoroji, vanhu, maitiro uye maitirwo ezvinhu. Kune nguva dzose chinhu chetekinoroji kubhangi digitalization, asi rwendo rwunodawo kushandura tsika yehurongwa hwebhangi.

Nebhangi digitalization, vanhu vanotarisirwa shandisa matekinoroji matsva uye kujairana nenzira itsva dzekushanda. Izvi zvinogona kuve zvinonyengera, vanhu vane mbiri yekuramba shanduko.

Shanduko yedhijitari mumabhanga iri kumanikidza mabhanga eese saizi kutsvanzvadzira kutora matekinoroji matsva nemasevhisi padanho rega rega. Asi shanduko yedhijitari inorevei chaizvo muchikamu chebhangi?

Shanduko yedhijitari yebhangi Zvakawanda zvinosanganisira kuchinjika kune online uye yedhijitari sevhisi zvinopihwa, uye huwandu hukuru hwekuchinja kumashure kunodiwa kutsigira shanduko iyi.

Kuti ubudirire, zvikonzero uye mabhenefiti eshanduko anofanirwa kujekeswa musangano rese. Iyo "mepu yemugwagwa" inofanirwa kuziviswa uye kudzidziswa kunodiwa uye kudzidziswa kunopihwa. Heano akakosha ebudiriro zvinhu zvedhijitari banking.

🥀 Zvinhu zvakakosha zvekubudirira kwebhangi redhijitari

Banking digital shanduko kubhengi kunokubvumidza kuti ugadzire rwendo rwakabatana uye rwemunhu dhijitari mutengi.

Kugadzira rwendo rwevatengi vedhijitari kunoreva kutora matanho ekubatanidza zvese mupuratifomu imwe chete yepamhepo kuitira kuti mutengi abatwe achishandisa maturusi mamwe chete, dzimwe nguva nevanhu vakafanana, uye neruzivo rwakafanana mukati mekuita.

Pano, maitiro akaita sekuchinja sangano rechikwata, kubatanidza matekiniki muzvikwata zvekutengesa, uye pamwe nekubatanidza kushambadzira nekutengesa muchikwata chimwe chete kunogona kubatsira zvakanyanya. Kuti tibudirire mudigitization, hezvino izvo zvatinofanira kuita pazviri:

✔️ Kutsanangura zvakare ruzivo rwevatengi

Pamusoro pazvose, isai vatengi uye zvavanoda kutanga kugadzira mhinduro dzakasimba. Mabhangi anofanirwa kufunga nezvekugadzira pamwe nevatengi nguva zhinji uye kazhinji panguva yehupenyu hwechikumbiro.

✔️ Gamuchira chiono che mobile-yekutanga

Kubva kubhangi risingabatike kusvika kuaccount account, vatengi vanotarisira kuti zvigadzirwa nemasevhisi zviwanikwe kubva kumidziyo inotakurika, chero nguva. Nhasi, mabhangi anoshandisa madhijitari-chete modhi uye anopa vatengi vavo huwandu hwakazara hwemabhangi masevhisi pamafoni efoni (Barnes, 2015).

Nenzira iyi, mabhangi anosimbisa basa ravo rekupa mazano evatengi nekugoverwa kwezvikumbiro zvekutaurirana seWhatsApp, Skype, nezvimwewo. Vanosimbisa kudyidzana kwavo nevatengi vavo kuburikidza nezviteshi zvepamhepo (Japparova naRupeika-Apoga, 2017).

✔️ Gadzira nzira yedata remunhu

Kuvaka mhinduro zvinoreva kuziva kuti ndeipi data yaunayo, ndeipi data yaunoda, mibvunzo ipi yaunoda kubvunza iyo data, uye nzira yekududzira mhinduro dzacho. Centralization ye dataset iripo yakakosha.

Muchokwadi, mabhanga emazuva ano ane data rakawanda kupfuura nakare kose. Iyo yakawanda masevhisi edhijitari yavanopa, iyo yakawanda data yavanounganidza otomatiki.

Iyi data inovabvumira kutora matanho akakura maererano nekuvandudza uye kutonga yavo yekushandisa modhi, sevhisi yevatengi uye kunyangwe bhizinesi ravo zano. Dhata inovagonesa kunzwisisa vatengi munzira nyowani, vachishandisa ruzivo irworwo kuona mikana, kugadzirisa zvigadzirwa nemasevhisi, uye otomatiki mhinduro.

Automation uye kushandiswa kwedhijitari mhinduro senge chatbots uye Artificial Intelligence zvakare chikamu chemabhanga mazhinji 'dhijitari shanduko nzira.

✔️ Kusarudza yakakodzera tekinoroji mapuratifomu

Kana uchibatanidza masevhisi matsva mukushanda nemaitiro akawandisa enhaka uye midziyo, uye pasi pemazinga epamusoro ekuongororwa sebhangi, kusarudza kuti ndeapi mapuratifomu ekushandisa uye mashandisiro akakosha. .

Kune mukuru webhangi nhasi, kune zviuru nezviuru zvematambudziko ekugadzirisa. Kune hupfumi, kushanda uye kudzora kumanikidzwa kutonga munguva pfupi. Kune zvakare gakava rakaoma pamusoro pekuti ndeipi tekinoroji ichanyanya kukanganisa kana kiyi yekuchinja.

Semuenzaniso, vamwe vanotenda kuti gore rinopa mukana wakakura wemabhangi. Iyo inopa yakaomesesa, yakasarudzika, chaiyo-nguva masevhisi ayo vatengi nevatengi vanotarisira kupi kune vamwe, AI inopa yakanyanya bhenefiti.

Zvakadaro mabhanga ane mukana wakanakisa sezvo akachengeta kuvimba kwevatengi uye anofanirwa kunge aine mari yekushandisa nzira chaiyo. Kucheka-kumucheto tekinoroji uye yedhijitari ecosystem iyo inoderedza mutengo uchiunza zvirinani zvigadzirwa uye zviitiko zvevatengi zvichave pakati pekubudirira.

🥀 Nzira yekubatsira sei kubva ku digitalization yebhangi?

Hedzino dzimwe nzira dzemabhangi dzinogona kuvandudza dhijitari kuti vawedzere purofiti yavo uye nekupa vatengi vavo zviri nyore zvavanoda.

✔️ Kudyidzana nemakambani ehunyanzvi

Sezvo tech hofori seAmazon neApple vanoita foray mumari yevatengi, ivo vanoda mumwe munhu wekubata maitiro akaomarara ekubhengi.

Kumabhangi, izvi zvinovhura mukana wekudyidzana tekinoroji uye kuwana kune yakasimba vatengi base yemakambani aya. Kunyangwe tikafuratira basa rakaitwa neve tech hofori uye kuwana kune yakasimba vatengi base yemakambani aya. Heano mabhenefiti makuru eiyi nzira:

• Mabhangi anogona kukwidziridza vatengi vavo varipo uye kugona kushanda
• Kuvandudza kubatanidzwa kwevatengi
• Bata data rakawanda kuti unzwisise zvirinani vatengi vavo uye suma dhigirii repamusoro remunhu
• Mabhangi anogona zvishoma nezvishoma kuvaka ecosystem yemasevhisi ayo vatengi vavo vanoda kuwedzera mitsva yemari uye kudzivirira vatengi vavo kubva kuchinjira kuenda kumakambani. fintech mabhizinesi ari kusimukira uye edhijitari.

✔️ Chengetedza mari mune otomatiki kuti uvandudze kureruka uye kuderedza mitengo

Kuita otomatiki maitiro akasiyana-siyana kunogona kuderedza mitengo uye kugadzirisa mashandiro ekuendesa kukosha kwakawanda kune vatengi. Inoderedzawo pamusoro nekuderedza kuvimba nevashandi vevanhu, izvo zvinogona kupfuudzwa kune vatengi nenzira yekuderedzwa kwemari.

Somuenzaniso, munguva dzeCOVID-19, diki diki senge pa-inoda eStatements kana online account verification inogona kuchengetedza munhu wese nguva nemari uye kuderedza njodzi yehutachiona pakubata.

✔️ Foster innovation

Kudikanwa ndiamai vekugadzira, uye kugadzira nzira nyowani dzekusvika nekutarisira vatengi vako chinhu chinodiwa kuti urambe uchikwikwidza uye ubatsire vatengi vako vakavimbika panguva yedenda.

Nhasi, masangano mazhinji emari anoshandisa tekinoroji yakaomesesa kuita mabasa ekugadzirisa senge rutsigiro rwevatengi. Nekudaro, zvinodikanwa kuendesa chikamu chebhajeti iyi kune hunyanzvi kugadzira zvigadzirwa zvitsva zvinosangana nezvinodiwa nevatengi vari kubuda.

Somuenzaniso, Nekuda kweiyozvino dambudziko remagariro uye ehupfumi, vatengi vazhinji vakachinja zvachose kukubhadhara kwemagetsi. Vamwe vanonetseka kubhadhara chikwereti chavo, vamwe vachitsvaga mari yechimbichimbi uye zvigadzirwa zveinishuwarenzi kuti vabhadhare mari yeramangwana.

Nekuwana kune akapfuma data revatengi, mabhangi anogona kuongorora transaction uye maitiro data kuendesa yakasarudzika masevhisi kune vatengi vavo. Mamwe matanho anosanganisira:

• Wedzera miganhu online kutengeserana
• Ipa kuzorora mumaIME, mazororo ekubhadhara, kudzoreredza kwemondi, nezvimwe.
• Kuwedzerwa kwemabasa echikwereti echimbichimbi zvakadai sezvikwereti zvakaderera zvemunhu pachake uye kuwana maakaundi ekuchengeta mari
• Ita mari yedatat mishumo ine hungwaru uye bhenji ongororo yeakasiyana maindasitiri

Mabhangi anogona zvakare kushandisa iyo data kugadzira yakasarudzika uye inobata nyaya dzewebhu kusimudzira zvigadzirwa zvataurwa pamusoro kuti zviwanikwe nevanozvida.

✔️ Kuvandudza data management

Mumakore mashanu apfuura, iyo data yakaunganidzwa nemasangano akasiyana-siyana, kusanganisira ayo ari muindasitiri yezvemari, yakawedzera nekuda kweshanduko yedhijitari yeindasitiri.

Nekudaro, chikamu chidiki chete che data iyi chinoshandiswa nekuda kwekushanda silos mumasangano mazhinji.

Sezvo chero nyanzvi inobvuma, iyi data isina kubatwa ine mukana wekubatsira mabhizinesi kukwira nekukurumidza nenzira yevatengi-centric.

Kuti uvandudze manejimendi edhata, masangano ezvemari nemabhangi anofanirwa kugadzira yakabatana data management nzira iyo ine yepakati data hub yakabatana kune yakasimba manejimendi chikuva.

Pamusoro pekubatanidza data uye nekuona kuwanikwa kwaro, zvakakoshawo kuisa nzira dzakakodzera dzekuchengetedza kuchengetedza data remushandisi.

🥀 Pfupiso…

Kudyara mukufunga kwedhijitari kunogona kubatsira mabhanga kuwedzera mari uku achibatsirawo vatengi vakawirwa nedenda razvino.

Kubva pakuodza mwoyo kushanya kwebazi kusvika pakupa mvumo yechikwereti yepamhepo uye kuvhura account kudzidzisa vanhu pa bhangi redhijitari kuitira kuti vanakidzwe nerubatsiro rwunopihwa nemabhanga avo.

Inogona kunge iri pfungwa yakanaka kutanga nekunyora yakasarudzika mikana yekukura inoenderana nezviwanikwa zvebhangi zvazvino uye zvinogona kukwidziridzwa.

Panzvimbo pekudyara zvisina bofu munzvimbo dzakaita sedhizaini, hunyanzvi, kuongororwa kwedata uye hunhu, zvine hungwaru kuona uye kutanga nenzvimbo idzo dzinozopa mibairo yakawanda nekudyara kushoma kune mhedzisiro iri nani.

Usati waenda, heino dzidziso inokubvumira kuti uite tenzi kutengesa muawa imwe chete. Dzvanya pano kuti uitenge

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