Zvese zvaunoda kuti uzive nezve fintech

Tekinoroji nyowani uye AI inofambisa kukosha kwekugadzirwa mazuvano. Nekuuya kweInternet, tiri kupupura zvakawanda zvitsva. Zvingave mumabhizinesi ekutengesa kana sevhisi, mashandiro anogona kuitwa painternet. Kubva pakutenga kofi kucafe yako yemuno kusvika pakubata mari yako, fintech yakatitenderedza. Muchikamu chezvemari semuenzaniso, nhasi tiri kutaura nezveFintech zvinoreva fintech.

Fintech yakashandiswa kune akawanda ezvino kuvandudzwa tekinoroji mukubhadhara maapplication kana cryptocurrency.

Fintech ndiyo portmanteau yemazwi " mari” uye “tekinoroji ". Inoreva chero bhizinesi rinoshandisa tekinoroji kuvandudza kana otomatiki masevhisi emari uye maitiro. Pakupedzisira,

• Chii chinonzi Fintech?
• Chinoshanda sei?
• Kuishandisa sei?

Muchikamu chino, tinopa zvese zvaunoda kuti uzive nezve zvemari tekinoroji. Asi kuti utange, iwe unofanirwa kuziva kushandisa matekinoroji aya mumakambani kuitira kuti vashandise mukana iwoyo.

handeyi...

🌿 Chii chinonzi Fintech?

Mazhinji ekutanga akatanga muchikamu ichi mumakore achangopfuura mukuputika kuzere! Zvitsva zvavo zvinovavarira kufambisa kubhengi, kubhadhara, zvikwereti, manejimendi emari yemunhu, kutsvaga mari, inishuwarenzi, nezvimwe.

Nekuda kwemafoni ekushandisa,njere yekufunga, blockchain, data hombe kana gore ☁️, vanopa masevhisi ari kukurumidza, anoshanda, akachengeteka uye asingadhure pane echinyakare chikamu chebhangi.

Semuenzaniso, FinTech inobvumira kuendeswa pakarepo, mubhadharo usingabatike nharembozha, 100% online account, robo-vachipangamazano kune portfolio manejimendi, crowdfunding, nezvimwe.

Mapoka makuru ari kutorawo matekinoroji matsva aya kuti arambe achikwikwidza 💪. Iyo FinTech chikamu saka iri kusangana nekukura uye kutorwa kwakakura pachiyero chepasi rose!

Kune vatengi, FinTech inoita kuti hupenyu hwezuva nezuva huve nyore uye inopa humwe kutonga pamusoro pemari. Kune nyanzvi, vanokwirisa maitiro uye kuderedza mitengo 💸. Kubata kwavo kukuru uye kuda ramba uchikura !

🌿 Fintech inoshanda sei?

Fintech haisi indasitiri itsva. Ingori indasitiri ine yakashanduka nekukurumidza. Tekinoroji, kusvika pamwero wakati, yagara iri chikamu chenyika yezvemari.

Kungave kuri kuunzwa kwemakadhi echikwereti muma1950s kana maATM, zvemagetsi zvekutengesa pasi, maapplication emari emunhu uye kutengeserana kwepamusoro mumakumi emakore akatevera.

Iyo mukati meiyo tekinoroji yezvemari inosiyana kubva kupurojekiti kuenda kune purojekiti kana kushanda kune application. Zvimwe zvezvino kufambira mberi zvinoshandisa muchina kudzidza algorithms, blockchain uye data sainzi kuzviita zvese.

Muchokwadi, kune yese subset yekutonga tekinoroji inodaidzwa kuti "regtech" yakagadzirirwa kufamba munyika yakaoma yekuteedzera uye indasitiri inodzora nyaya.

Blockchain ibhuku rinofambisa maitiro ekurekodha kutengeserana uye kuronda zvinhu mubhizinesi network. Asset inogona kuva anobatika kana asingabatiki. Chinenge chero chinhu chakakosha chinogona kuteverwa uye kutengeswa pane blockchain network. Chii inoderedza njodzi uye mari kune wese anobatanidzwa.

Fintech iripo muzvikamu zvakasiyana uye maindasitiri. Heano mimwe mienzaniso yekushandiswa kwefintech.

🌿 Iko Kushandiswa kweFintech Financial Technologies

Iyo indasitiri yemasevhisi emari haina kazhinji nezve agility. Asi nhasi, kuchinjika uye nekukurumidza iteration ndizvo chaizvo zvinotarisirwa nevatengi nevatungamiriri vebhizinesi - uye, zvichiwedzera, zvinoda.

Mienzaniso yekushandiswa kwefintech inoonekwa kwese kwese, tinopa kwauri inonyanya kushandiswa.

✔️ Cryptocurrencies uye mari yedhijitari

Cryptocurrency uye blockchain mienzaniso yakajairika yeFintech. Cryptocurrency kuchinjana seCoinbase uye Gemini kubatanidza vashandisi kutenga kana kutengesa cryptocurrencies se bitcoin kana litecoin.

Asi mukuwedzera kune crypto, blockchain masevhisi seBlockVerify anobatsira kuderedza hutsotsi nekuchengetedza provenance data pane blockchain. Tekinoroji idzi dzinodanwa Tokenization.

Uye kunyangwe matekinoroji aya angave ane gakava rekushandisa kwefintech, ivo vakatora chikamu chenyika yekudyara nedutu mumakore achangopfuura.

✔️ Insurtech

Tekinoroji yeinishuwarenzi yakapfupikiswa Insurtech. Icho chikamu chakafara uye chinoshanduka chetekinoroji inoshandiswa muindasitiri yeinishuwarenzi. Chero tekinoroji inoshandiswa nekambani yeinishuwarenzi kuwedzera kushanda kwayo inogona kunzi Insurtech.

Iyo digitalization yenyika yeinishuwarenzi zvinoita sezvinodiwa. Nhasi tiri kupupurira kubuda kwekutanga-ups inosanganisa inishuwarenzi uye tekinoroji.

✔️ Vhura Banking

Vhura Banking iri blockchain-yakavakirwa pfungwa. Inotemesa kuti mapato echitatu anofanirwa kuwana data rekubhengi kugadzira mabhengi.

Open Banking itsika yekubhengi inopa vechitatu-bato rezvemari masevhisi vane vhura mukana kune data rekubhengi, kutengeserana uye mamwe data emari yevatengi kubva kumabhangi uye asiri mabhengi emari masangano kuburikidza nekushandisa application programming interfaces.

Ichagonesa networking yeakaunti uye data pakati pemasangano ekushandiswa nevatengi, masangano emari uye wechitatu-bato vanopa masevhisi. Open Banking iri kuva manyuko makuru ezvitsva zvagadzirira kuumba patsva indasitiri yemabhanga.

✔️ Mobile Payments

Zvinoita sekuti munhu wese ane smartphone anoshandisa imwe nzira yekubhadhara mbozhanhare. Muchokwadi, maererano data kubva kuStatista , musika wepasi rose wekubhadhara nhare uri munzira yekupfuura madhora bhiriyoni imwe muna 2019.

Nekuda kwehunyanzvi hwekuwedzera tekinoroji, masevhisi akabuda anobvumira vatengi kuita shanduko yemari uye kubhadhara painternet. Izvi zvinogona kuitwa kuburikidza nekombuta kana nharembozha kuburikidza nekubhadhara maapplication akaita.

✔️ Zvirongwa zvebhajeti

Imwe yeanonyanya kushandiswa efintech ndeye zvemari manejimendi mapurogiramu kune vatengi, vane mukurumbira wakakura zvakanyanya mumakore apfuura.

Pakutanga, vatengi vaifanira kugadzira mabhajeti avo, kuunganidza macheki, kana kufambisa maspredishiti eExcel kuti vatarise mari dzavo. Asi nhasi, hazvisisirizvo. Iye zvino, vatengi vanogona kuteedzera mari yavo zviri nyore, mari vachishandisa maapplication uye software.

Kubhajeta maapplication akaita seIntuit (INTU) anobatsira vatengi kutarisisa mari yavanowana, mubhadharo wepamwedzi, mari, uye nezvimwe, zvese panharembozha yavo.

✔️ Crowdfunding Platforms

Zvikuva zve kuunganidza mari bvumira vatungamiri vepurojekiti kuti vabatsirwe nerutsigiro rwengirozi dzebhizimisi. Panzvimbo pekusvika kubhangi rechinyakare kuti uwane chikwereti, zvino zvinogoneka kutaura nevanoisa mari zvakananga.

Uye nepo zvikumbiro zvavo zvichibva pakubhadhara mhuri neshamwari kuenda kuvatsigiri vezvemari nevatengi, huwandu hwemapuratifomu ekutsigira vanhu hwakawedzera nekufamba kwemakore.

🌿 Fintech uye yechinyakare kubhengi

Fintech nemabhangi zvinosiyana munzira dzakawanda, asi musiyano wakanyanya kukosha uri muchinangwa chavo. Mabhangi anobata vateereri vakawanda, nepo Fintech masevhisi achitsvaga kugadzirisa rimwe dambudziko mumusika.

Naizvozvo, makambani aya ari kutarisa zvakanyanya pane nharembozha, data hombe, agility uye kuwanikwa. Mune mamwe mazwi, Fintech inofanana nekutengesa kwakawanda nekukurumidza, 24/7 kuwana uye kuvhura account kure, izvo zvinogona kubatsira zvakanyanya kune vakawanda.

Nekune rimwe divi, mabhanga ari kusara kumashure mudhipatimendi iri nekuti anongobatanidza maitiro eUX anovimbisa vatengi vavo vese. kusangana kusina musono. Sezvinoratidzwa nezwi, Fintech inosanganisira matekinoroji akadaro anopa kukurumidza uye akachengeteka masevhisi panzvimbo zvechivanhu mabhanga.

Nekudaro, mabhangi anogona kuve Fintechs. Kunyange zvazvo Fintech yakabatana nechimwe chinhu chitsva uye chemazuva ano, kushandiswa kwekombiyuta yekubatsira mabasa emari haisi itsva.

Makadhi echikwereti yakatangwa kuma50s, online banking muma90 uye tekinoroji yekubhadhara isingadhurwe mumakore gumi ekutanga ezana ramakore rechiXNUMX.

Iko kudiwa kwekufambira mberi kwetekinoroji muindasitiri yemabhanga kwaita kuti ive yakakurumbira kubhangi rega rega kutarisa kune mamwe matekinoroji epamusoro sarudzo.

🌿 Mabhenefiti eFintech Financial Technologies

Imwe yemabhenefiti eFinTech kupihwa kwemasevhisi akakunda zvimwe zvirambidzo zvekubhadhara masisitimu.

Muenzaniso chezvirambidzo ichi ndicho chipingamupinyi chenzvimbo umo vanhu vachiri kufanira kuenda kumabhanga kunobhadhara mari. Saka, fintech ine mukana wekuvandudza kubatanidzwa kwemari.

Kufambira mberi kweFinTech neimwe nzira kwakakunda chirambidzo ichi vanhu pavakatanga kushandisa maFinTech masevhisi akadai sedhijitari uye nharembozha, POS yenhare uye kutamiswa kwevezera-kune-vezera.

Imwe mukana weFintechs kuve nyore kwemafoni ekushandisa anomhanyisa mamwe madhijitari shanduro makadhi echikwereti kana echikwereti. Mukuwedzera, zviri nyore kushandisa, iyo centralization yesarudzo dzekubhadhara inoderedza kutenga nguva yekugadzirisa.

Fintech yakachipa, inongouya nemari yakaderera yekushandisa uye mubhadharo wakaderera. Uyezve, kutengeserana kunokurumidza uye kwakachengeteka. Iwe hausisiri pasi pehuwandu hwekuongororwa kwemuviri.

🌿 Iyo miganho yehunyanzvi hwemari

Kunyangwe ichivimbisa, matekinoroji emari (FinTech) zvakare ane zvimwe zvipingamupinyi uye zvisingakwanisi:

La kuchengetedzwa kwedata zvinoumba dambudziko guru. Ngozi yekubira uye kudonha kwe data rakadzama inowedzerwa nekuderedzwa kwemasevhisi emari. Kukundikana mumasisitimu kunogona kukonzera mhedzisiro yakaipa.

Mutemo wavo zvinogona kuva zvakaoma kune vane masimba. Ichi chikamu chiri kuitika nekukurumidza, izvo zvinoita kuti zviome kugadzirisa mitemo uye kutarisa vatambi. Mamwe masevhisi ehunyanzvi anoshanda munzvimbo dzakachena.

FinTech inogona kutungamirira kune kubviswa kwemabasa akawanda mumabhangi echinyakare, anotsiviwa nema algorithms uye AI. Izvi zvinosanganisira kudzidzirazve nyanzvi.

Digital-chete interfaces inotungamira kune dehumanization yehukama hwevatengi. Zano rakasarudzika rinoramba rakakosha mumasevhisi emari akaomarara. MaFinTech mazhinji anotadza kusvika kune yakakosha misa uye anoshaya mari mushure memakore mashoma. Consumers dzinofanirwa kuve nechokwadi chekuchengetedza kwavo.

Masevhisi emahara kana akaderera kwazvo anogona kuvanza mashandisirwo ane mari yakawanda e data revatengi. Kujeka kwakakosha.

Zvisinei nematambudziko aya, mupiro weFinTech unoratidzika kunge wakanaka mukuvandudza chikamu chemari nemabhanga. Asi kungwarira inoiswa pane dzimwe njodzi dzinogona kuitika.

🌿 Iwo epamusoro 5 Fintech makambani munyika

Kambani yeFintech chero bhizinesi rinoshandisa tekinoroji yemazuva ano kupa masevhisi emari kune vashandisi vayo.

Mumakore gumi apfuura, tekinoroji yezvemari yave chikamu chakakosha cheindasitiri yehunyanzvi. Pazasi pane mashanu anonyanya kukosha efintech makambani kubva pasirese. Dzakarongwa munhevedzano yokukwira.

✔️ Coinbase

Coinbase ishanduro yecryptocurrency yakavambwa muna 2012, ichipa vashandisi kugona kutenga, kutengesa uye kuchengetedza midziyo yedhijitari yakadai seBitcoin, Ethereum uye mamwe makristptocurrencies anozivikanwa.

Iyo kambani yave imwe yeiyi mapuratifomu makuru uye akavimbika cryptocurrency kuchinjanisa munyika, zvakare inopa dhijitari wallet masevhisi uye huwandu hwezvimwe zvigadzirwa zvine chekuita nekristptocurrency. Sekambani inotengeswa pachena, Coinbase inoteverwa zvakanyanya nevashambadziri uye vanocherechedza misika.

Coinbase inopa huwandu hwezvigadzirwa nemasevhisi anosanganisira kuchinjanisa kutenga, kutengesa uye kutengesa cryptocurrencies, chikwama chedhijitari kuchengetedza zvakachengeteka midziyo yedhijitari, Coinbase Pro inova yepamberi yekutengesa chikuva, Coinbase Earn inova chirongwa chekudzidzisa chevashandisi kudzidza nezve cryptocurrencies. uye uwane midziyo yedhijitari mukudzoka, pamwe nemhinduro kune vatengesi uye mabhizinesi anoda kubvuma kubhadhara kwecryptocurrency.

Kuita kwemari yeCoinbase sekambani inotengeswa pachena kune veruzhinji uye inogona kutariswa kuburikidza nemari uye mishumo yekambani.

✔️ Paytm

Paytm ndiyo hombe yemari tekinoroji kambani yakavakirwa muIndia. Yakavambwa muna 2010 pakutanga senge online mobile recharge chikuva.

Pakazosvika 2015, yekutanga yaive yawedzera kuita e-commerce uye online kubhadhara masevhisi uye yakawana 104 miriyoni vakanyoresa vashandisi. Yazvino mushandisi base iri pedyo ne350 miriyoni (2019).

Kambani iyi yakakwidza bhiriyoni imwe chete yemadhora mumari nyowani pamutengo wemadhora bhiriyoni gumi nematanhatu kubva kune varipo vanoisa mari - Alibaba's Ant Group uye SoftBank Vision Fund, pakati pemamwe mafemu akazvimirira equity muna 1.

Pakutanga, kukosha kwePaytm kwakasvika mabhiriyoni gumi nerimwe emadhora muna 11 mushure mekudyara kwemadhora mazana matatu nemakumi mashanu nenomwe neBerkshire Hathaway.

✔️ Adyen

Adyen ndiyo inonyanya kufarirwa kambani yefintech muEurope. Inobvumira mabhizinesi nevatengesi kuti vagamuchire mubhadharo kubva kupi zvako pasirese.

Izvi kuburikidza nekadhi network (seVISA neMastercard) uye nzira dzekubhadhara dzemuno. Pamusoro pezvo, inoshandisa muchina kudzidza kupa ruzivo rwekutengeserana kwekugadzirisa mari.

Iyo kambani yave iine pundutso kubva 2011. Muna 2016, gross turnover yakawedzera ne 99% kusvika $727 miriyoni. Adyen inotsigirwa nehombe venture capital uye akazvimirira equity mafemu, anosanganisira Temasek Holdings, General Atlantic uye Index Ventures. Yakabuda pachena munaJune 2018.

✔️ Mitsetse

mutsetse ipuratifomu yekubhadhara yepamhepo yakavambwa muna 2010, ichipa mabhizinesi nekugona kugadzirisa kubhadhara kadhi rechikwereti uye dzimwe nzira dzekubhadhara pamhepo. Iyo kambani yave mutambi mukuru munzvimbo yekubhadhara yepamhepo, ichipa mhinduro dzekubhadhara kugadzirisa, kubhadharisa, kunyoreswa manejimendi uye mamwe masevhisi ane hukama.

Sekambani yakazvimiririra, ruzivo nezve mabatiro emari eStripe haawanikwe zvakanyanya sekambani inotengeswa pachena. Stripe inozivikanwa kune yayo mushandisi-inoshamwaridzika interface, chengetedzo, uye kugona kubatanidza zviri nyore nemawebhusaiti uye nharembozha.

Zvigadzirwa zveStripe nemasevhisi zvinosanganisira chikuva chekubhadhara pamhepo chekuti mabhizinesi agadzirise kadhi rechikwereti uye dzimwe nzira dzekubhadhara, maturusi ekubhadhara ekugadzirisa kunyoreswa uye kudzokororwa kubhadhara, uye commerce mhinduro.

✔️ Ant Financial

Ant Financial yakavakirwa kuChina, ndiyo kambani hombe pasi rose yeruzivo rwezvemari. Iyo ine akati wandei masevhisi emari anorema, anosanganisira Alipay, hombe yekubhadhara pamhepo papuratifomu, uye Yu'e Bao, homwe yechitatu pakukura kwemusika wemari. Iyo zvakare inomhanyisa yakavanzika kiredhiti scoring system inonzi Sesame Chikwereti.

Iyo kambani yakavambwa mushure mekunge Alipay yatumidzwa zita rekuti Ant Financial Services muna 2014. Gore rakatevera, kambani yakawana mari yakawanda kubva 6,5 mabhiriyoni emadhora kubva kuChina Investment Corp uye mamwe mabhizinesi emunharaunda.

🌿 Pfupiso

Mukupedzisa, matekinoroji emari akadai seCoinbase uye Stripe akachinja nzira yekuchinjana kwemari kunoitwa. Aya mapuratifomu anopa zvigadziriso zvepamhepo kubhadhara, cryptocurrency kutengesa uye digital asset manejimendi.

Nepo Coinbase ichimira padanho rayo rinotungamira mukutsinhana kwecryptocurrency uye zvigadzirwa zvayo zvakasiyana, Stripe inozivikanwa neayo mushandisi-ane hushamwari hwekubhadhara pamhepo papuratifomu uye maturusi epamusoro ekubhadharisa. Makambani aya anoenderera mberi nekugadzirisa ramangwana rekutengeserana kwemari uye kuita basa rakakosha mukusimukira kwemamiriro ezvemari pasi rose.

Nekuzvipira kwavo kukuvandudza nekuchengetedza, Coinbase neStripe vanoramba vari pamberi pehunyanzvi hwemari, vachipa mhinduro dzakaomarara dzekusangana nezvinoda kuitika zvemabhizinesi nevatengi muzera redhijitari.

Zvapera !! Asi kuti ndikusiye, hezvino mazano uye mazano ekugadzira nekukura kambani yako kana bhizinesi.

Tisiye mhinduro