Iyo BA BA yedhijitari mari

Pano tichakurukura maonero emari yedhijitari. Icho chisiri chinhu kunze kwekushandurwa kwedhijitari kwechikamu chezvemari, zvinokanganisa sei nzanga? Ndezvipi zvakanakira nekuipira kwekubatanidzwa kwemari yedhijitari? Digitalization inoita kuti nyika ive nzvimbo iri nani, handizvo here? Muchikamu chino ndinokuudza zvese zvaunoda kuziva nezve digital finance. Chirongwa chinotevera chinokupa zano.

Asi usati watanga, heino premium kudzidziswa iyo ichaita inokutendera iwe kuziva zvese zvakavanzika kuti ubudirire muPodcast.

🌿 Chii chinonzi digital kana digital finance?

Digital finance inzira yakakura inosimbisa kuwanikwa kwedhijitari kumasevhisi emari kuburikidza neinternet. Inobatsira kuwana mabasa echivanhu ekubhanga nevanhu vasina kuchengetedzwa.

Inofambisa kubatanidzwa kwemari yedhijitari, kunyangwe mumakona ari kure kwazvo epasi. Nguva ye gore kadambari uye chizvarwa chinotevera Broadband yekubatanidza inogadzirisa kunyangwe nyaya dzemari dzisina kugadziriswa.

Zvingave zvipo zvehurumende kana fund transfers kubva kumaakaundi ekunze, kubatanidzwa kwemari yedhijitari kunovhura nzira yekubatanidza isina musono yemabhenefiti. Zvinhu zvitatu zvakakosha zvekubatanidzwa kwemari yedhijitari zvinosanganisira:

✔️ Iyo digital transactional platform

 Digital transactional platforms ndeaya anochengeta uye anogadzirisa data remushandisi zvemagetsi nekuvanzika kwakanyanya uye chengetedzo.

✔️ The retail agent

Retail agents ndeavo vanogona kuwana zviwanikwa zvekutumira uye kugamuchira mari, iyo inoshandura kukosha kwemagetsi kuchengetwa kwehomwe kuita mari.

✔️ Zvigadzirwa zvemagetsi zvinopinda papuratifomu

Imwe ine zvigadzirwa zvemagetsi zvakaita senharembozha, mahwendefa kana maPC anokwanisa kuwana data pasina waya pasina dambudziko.

Kubatanidzwa kwemari yedhijitari kunobatsira zvikuru nzanga yekumaruwa nekuvapa mukana uri nyore wekutengesa mari.

🌿 The ldigital mari iteration

Dzidzo yezvemari yedhijitari hachisi chinhu kunze kweruzivo kana hunyanzvi hunodiwa kuita zvakanyanya fintech.  

Ndiko chete kugona kwemunhu kuwana zviwanikwa zvedhijitari pakutengeserana kwemari. Chengetedzo uye chengetedzo ndizvo zvinhu zviviri zvakakosha zvekuwana maturusi emari yedhijitari. Kuti uve wakachengeteka zvakanyanya mukufambiswa kwemari kana kuchengetedzeka kwedata rako rakavanzika, iwe unofanirwa kuziva zvine mutsindo zvemari yedhijitari.

Kuziva uku kwedhijitari yekutengeserana kwemari ndiko kwatakadaidza kuti digital mari kuverenga. ruzivo rwezvemari Digital chinhu chakakosha checashless economy. Tarisa chinyorwa ichi kuti udzidze zvakawanda nezvazvo ruzivo rwezvemari.

🌿 Digital mari mabasa

Digital mari masevhisi ihombe yemasevhisi emari anopihwa mumadhijitari chiteshi senge, ATM, ATM, nezvimwe. Aya masevhisi anopihwa uye anowanikwa kuburikidza neInternet chete.

Izvi zvinosanganisirawo masevhisi ekubhanga enharembozha akadai seM-Pay, M-Money, ayo anopa mabasa ekutengesa uye asiri ekutengeserana. Digital zvemari masevhisi anowanzo kunzi zvemari tekinoroji kana FinTech.

Iri zera redhijitari rinofambisa nhamba iri kukura FinTech makambani izvo zvinorerutsa hupenyu hwedu hwedhijitari. Kunogona kunge kuri kubhadhara mabhiri kana kutora tekisi, kubhadhara kwese kwava online.

Masevhisi emari edhijitari kana indasitiri yeFinTech iri kutsanangudza mararamiro edu uye hupfumi hwedu kune goho rakakura.

🌿 Anazvomabhenefiti emari yedhijitari masevhisi

• Inowanikwa kwese kwese
• Yakanyanya nyore uye inoshanda
• Chengetedza nguva yakawanda uye zviwanikwa - hapasisina kumirira mumitsetse kukanganisa kutamiswa kwemari
• Yese kutengeserana inovandudzwa munguva chaiyo
• Kureruka kwekuita sarudzo
• Kuvimbika uye kuchinjika kukanganisa kutengeserana
• Kubatanidzwa kusina musono kwemapuratifomu ese edhijitari
• hunhu hushamwari
• Kuwedzera kwevatengi kuburikidza nerutsigiro rwehunyanzvi
• Wedzera kusvika neomnichannel digital marketing

Aya ndiwo mabhenefiti edhijitari emari masevhisi anobatsira ese mabhizinesi nevatengi munharaunda. Iko kushanduka kwekombuta tekinoroji kuri kushandura masisitimu emabhengi akajairwa uye masisitimu emari.

🌿 Njodzi dzine chekuita nemari yedhijitari

Kunyangwe iyo digitization yechikamu chemari iri kukura, pachine njodzi dzinoda kutariswa.

✔️ Vatengesi vatsva

Mhando itsva dzezvivakwa dziri kuwanda nekukasira uye dziri kukwanisa kuwedzera.

Vanovimba nemamwe makambani emari uye asiri emari kune zvakakosha zvebhizinesi ravo. Naizvozvo, kushamwaridzana nevatengesi vakawanda mudhijitari yekuendesa mabasa emari kune ngozi.

Yokutanga ndiko kushaikwa kwekujeka, kusanganisira maererano nemabatirwo evatengi. Kudyidzana kwakadaro kunogona kuumba mikaha yekutarisa neanopa wekutanga uye mamwe mapato echitatu.

Confidentiality uye data kuchengetedzwa ndeyechipiri. Nekuti iyo yakakwira kuoma kwemubatanidzwa, ndiko kuwedzera kune kunetsekana pamusoro pekutarisa uye nemitemo yakasiyana yekudzivirira kwevatengi.

✔️ The ukushandiswa kwevamiririri

Maagents anoshanda sechinhu chikuru chinongedzo pakati pemasevhisi emari ekutanga uye vanhu vari kure. Asi kunyangwe vakapa mukana kubhangi, kushandiswa kwevamiririri kune zvakakomba zvakaipira.

Nyaya yekuverenga: Chii chekubhadhara gedhi: PayPal, Payoneer, Stripe?

Mamwe ematambudziko aya anogona kunge ari kushaikwa kwekutarisa uye kutaurirana kunoshanda. Izvi zvinogona kukonzera kushaikwa kwekubuda pachena, njodzi yakawedzera yekubiridzira uye kuba, uye zvinogona kufambisa maitiro ekushungurudza vatengi.

✔️ The ttekinoroji yedhijitari

Iyo digitization yemasevhisi emari itsika hombe inowedzera kubatana. Iyo zvakare inobatanidza nzvimbo dziri kure kune iyo mari masevhisi ecosystem. Asi pane zvakare zvimhingamipinyi zvekufunga nezvazvo semhando dzakasiyana dzedhijitari tekinoroji.

Izvi zvinogona kuva nemigumisiro yakawanda pa data kuvanzika uye chengetedzo. Kunetsekana pamusoro pekuchengetedzwa kwedata kunosanganisira njodzi dzekubira uye kusadzivirirwa kwemafoni akachipa kune malware.

Pamusoro pezvo, kusavimbika nharembozha uye dijitari transaction mapuratifomu anogona kutungamira mukutadza kuita.

Izvi zvinogona kunge zvichikonzerwa nekusagadzikana kwetiweki kana kunaka kwehunyanzvi. Muenzaniso ungava kurasikirwa kwemirairo yekubhadhara nekuda kwekushaya chinongedzo kana kurasika meseji.

🌿 Kukosha kweshanduko yemari yedhijitari

Izwi redhijitari riri kuve pachena munguva ino yehunyanzvi tekinoroji. Kukosha kana kudikanwa kweshanduko yedhijitari mumabhangi ndiko kukunda yakaoma uye inopedza nguva maitiro emari nemhinduro dzakareruka dzedhijitari.

Nyaya yekuverenga: Nzira itsva dzekubhadhara dzedhijitari

Shanduko yedhijitari muhunyanzvi hwemari inopa vanhu rusununguko rukuru rwekudzora maakaundi avo.

Wese munhu anogona kuita chero mhando yekutengeserana pasina kutsvaga rubatsiro kubva kubazi ravo kana vashandi vekubhangi. Digital finance yakadaro yakasimba uye mushandisi-ushamwari kuti inotarisa pakugutsikana kwevatengi.

Shanduko yedhijitari haingorerutsa hurongwa huripo, asi zvakare inofambisa shanduko yezvigadzirwa zvitsva zvemari uye maturusi anowedzera kugadzirwa uye kugona kwechero basa.

Muenzaniso wakanakisa wekutarisa uye kuongorora ndeye FASTag. Nzira yekuunganidza mutero ndeye ikozvino yarerutswa.

Iwe unogona kuchengetedza nguva yakawanda uye zviwanikwa, enda usina mapepa, uwedzere kugadzira neakachengeteka transaction system. Zviri simba uye kukosha yeshanduko yemari yedhijitari.

Digitization iri kushandura indasitiri yebhangi iripo kwete chete nekurekodha kutengeserana asiwo kuti uwane kunzwisisa kwakazara kwemaitiro evatengi uye musika maitiro. Maitiro ekubhanga akashanduka seanoshanda insight-driven system.

Inoisa zviyero zvepamusoro, nekukurumidza kugadzirisa, kuzere otomatiki kuuraya ne kugutsikana kwepamusoro mutengi uye vashandi.

🌿 Kukanganisa kwemari yedhijitari paindasitiri yezvemari

Tekinoroji nyowani uye masevhisi edhijitari akabuda muchikamu chezvemari. Zvakapa nzira kumabasa matsva anovhiringidza ekare.

Shanduko yedhijitari yemari inoramba ichikanganisa indasitiri. Izvi zvinoonekwa mumasevhisi atiri kushandisa nhasi akadai se ApplePay, PayPal kana Venmo, pakati pemimwe mienzaniso.

Hedzino shanduko huru dzine chekuita nechikamu chemari:

✔️ The Digital mabhangas

Kare, mabhanga aipa kukurudzira kwekuvhura account. Vakapawo vatengi zvivimbiso zvakadai hapana mari, mari shoma, cheki yemahara kana kudzosera mari.

Asi ikozvino zvinhu izvi zvese zvinopihwa uye zvinotarisirwa mumabhangi edhijitari.

Mabhangi kana makambani makadhi echikwereti inoperekedzwa nenharembozha kuitira kuti vatengi vavo vakwanise kuwana maakaundi avo epamhepo, vabhadhare mabhiri avo uye vatarise zvavanoshandisa. Tarisa chinyorwa ichi kuti uzive kusarudza kadhi rechikwereti.

✔️ Mari tekinoroji: Fintech

Fintech inoreva masangano emari nemabhangi ari kutsvaga kushandisa zvizere kugona kweanowanikwa masisitimu, hardware uye software.

Nhasi, inoshandiswa kudhijitari yekubhengi tekinoroji senge dhijitari wallet, mabhangi, blockchain tekinoroji, nezvimwe.

La Fintech iri kushandura mamiriro emasevhisi emari munzira dzakawanda kuburikidza nekutevera mari, maturusi epamhepo ebhajeti, uye kunyange otomatiki chatbots yebasa revatengi.

✔️ Iyo tekinoroji ye Blockchain

Blockchain tekinoroji inowanzobatanidzwa neBitcoin uye mamwe ma cryptocurrencies. Asi zvakare inopa mikana mikuru kune dzimwe nzvimbo, sekushandisa kwakasimba zvidzoreso zvinogonesa data inogonesa uye smart zvibvumirano.

Blockchain's ledger system inowedzera kujeka, inovaka kuvimba nevashandisi, uye inoderedza kukanganisa kwevanhu uye njodzi.

Ichi ndicho chikonzero mastock exchange, mabhangi nemakambani eArtificial Intelligence ari kuongorora mashandisirwo ehunyanzvi uhu. Tarisa chinyorwa ichi ku zvese nezve cryptocurrency

🌿 Nderipi remangwana remari yedhijitari?

Nekushanduka kwehungwaru hwekugadzira, kudzidza muchina uye hombe data analytics, mari yedhijitari ine zvimwe zvakawanda zvepamberi zvekupa kunharaunda.

Makambani eFintech ari kuedza zvishoma nezvishoma kuunza shanduko dzinokanganisa muchikamu chemari.

Robotic process otomatiki uye kudzidza muchina kuri kuita zvakakosha pakugadzirira kwegore negore zvinyorwa zvemari, zvirevo zvekuyananisa mumabhanga makuru uye masangano emari.

Nyaya yekuverenga: Zvese nezve smart zvibvumirano

AI Cognitive computing, algorithm-yakavakirwa kufanotaura, uye kuita sarudzo pamusoro pehukoshero hweramangwana kunoitwa mune yechinyakare masisitimu.

Shanduko yedhijitari mumabhangi nemari inoburitsa hunyanzvi hwekuita.

Chaiyo-nguva yekugadzirisa data, kushuma data, uye kuronga kwemari kunotsigirwa neAI kuri kupa nzira kune zvirinani manejimendi emari, zvichikonzera kuwedzera kwemusika uye kukura kwebhizinesi.

Digital mari inotungamira kune mutengi-centric dhizaini uye mhando nekukurumidza kugadzirisa ne mu-memory computing. Pane-inoda mari yekuronga inobatsira mukuita zvirinani bhizinesi sarudzo.

Nyaya yekuverenga: Zvese zvaunoda kuti uzive nezvemagetsi siginecha

Zvibvumirano zveSmart, zvakarerutswa kana kutariswa kwezvinhu, mhando dzemari uye mhinduro dzinobatsira zvakanyanya mukufembera kuongorora.

Algorithmic nzira dzekutengesa dzinobatsira kufanotaura huwandu hwekukunda muzana. Uye ramangwana remari yedhijitari rine zvakawanda mupalette yayo!

Inovhiringidza mari yedhijitari iri kusimudza mararamiro uye kugadzirisa masangano emari ane hunhu hwepamusoro uye husingazungunuke mhando.

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

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