Ukusuka kwiibhanki zemveli ukuya kwi-cryptocurrencies 

Imbali ye-cryptocurrensets yaqala ngo-2009. Bagqabhuka kwindawo njengenye yeebhanki zemveli kunye neemarike zemali. Nangona kunjalo, uninzi lwamaziko ebhanki kunye nezezimali anamhlanje axhomekeke kwitekhnoloji ye-blockchain kunye ne-cryptocurrencies ukuphucula inkqubo yabo. Ukongeza, ii-cryptocurrencies ezininzi ezisanda kwenziwa zizama ukungena imarike yemali yemveli.

Ngapha koko, ayimangalisi into yokuba amaqumrhu ebhanki exhawula izandla ngee-cryptocurrencies. Ikamva logcino-mali lwemveli belingayi kuba likho ukuba ayiguquki kwaye ihambelane nenkqubela phambili yeNew Technologies.

Inkqubo yethu yezemali iyaqhubeka nokumiliselwa kumzekelo owaphuhliswa kwisiqingatha sesibini senkulungwane edlulileyo. Iye yanyamezela imingeni yokuhamba kwexesha kunye neepatches ezahlukeneyo zobuchwepheshe, ezithe zasilela ukulungelelanisa ngokwenene ngokufanelekileyo kwixesha ledijithali.

Inguquko ye-cryptocurrency

Ukufika kwee-cryptocurrencies kube yinkqubo ephazamisayo kwimeko yezemali, ukubonelela ngeenzuzo ezininzi kumsebenzisi. Ngale ndlela, abathengi abafuni abalamleli ukwenza iintengiselwano zabo zoqoqosho.

Ngaphezu koko, ezi nkqubo zikhawuleza, zingenziwa kuso nasiphi na isixhobo esiphathwayo kwaye zinikeze ukufikelela kuqoqosho lwehlabathi.

Inkqubo yezemali kwinkonzo yomntu wonke

Kufuneka kuthathelwe ingqalelo ukuba ngaphezu Abantu abazizigidi ezingama-2 ehlabathini lonke abanakho ukufikelela kwiinkonzo zebhanki eziqhelekileyo. Ukubonakala kwee-cryptocurrencies kufike ukunciphisa le meko. Oku kwabavumela ukuba bathathe inxaxheba kuqoqosho lwehlabathi. Yayiluguquko lokwenene oluquka ithuba lokuphuma kwintlupheko.

Le ndlela yokusebenza ithanda ukubonakala kothungelwano lwemali olusekwe phakathi kokulinganayo. Kuya kusiba ngakumbi nangakumbi ukungqina olu hlobo lonxibelelwano. Isiphumo esithe ngqo seshishini lezemali siguqulela kwingozi yokwenyani kulo lonke icandelo.

Isizathu sokoyika ibhanki: imisebenzi peer-to-peer kunye cryptocurrencies ukubaleka centralized ulawulo. Ukongeza, ukuhambisa imali kumazwe ngamazwe kulula kwaye kunexabiso eliphantsi.

Ingxelo ye-BBA yase-UK " Ukuphazamiseka kweDijithali: Ingxelo yeBhanki yase-UK ibonisa ngokucacileyo oku. Kwiingcali, ngokusetyenziswa kweBitcoin, abantu baphatha iimfuno ezininzi bebodwa ezifuna ibhanki kude kube ngoku. Ngoku ukusebenzisana nebhanki akuyomfuneko, kwaye umsebenzisi ugcina kwiikhomishini.

Ngaba iibhanki eziqhelekileyo zanyamalala?

Iimali zedijithali zigungqise iziseko zecandelo elalihlala lizinzile kwixesha elidlulileyo. Ukuvela kweebhanki zemveli akuhambanga kunye neemfuno eziveliswa ngabathengi.

Njengoko ihlabathi lalingena ngaphakathi inguqu kwezoshishino 4.0. Amacandelo kunye neenkampani kwafuneka zijongane notshintsho olunamandla oluya kubagcina bekwimarike kwaye bakhuphisane ngokupheleleyo.

Amaqumrhu ebhanki azamile ukulibazisa okanye ade aphephe inkqubo yenguqu engenakuthintelwa. Nkqu neebhanki ezingoovimba khange bakwazi ukuthatha isigqibo. Kuyo nayiphi na imeko, nokuba bafike emva kwexesha, akukho nto banokuyenza ngaphandle kokuphinda baziqalele kwaye ii-cryptocurrencies ziyincopho ye-iceberg abanokuthi beze ngokuchasene nayo.

Ngapha koko, ukuba bafuna ukuhlala bekhuphisana, iibhanki ezinkulu kufuneka zidlule kwinkqubo enzulu yedijithali. Bamele balungele ukunikela, ngexesha langempela, ukhetho kunye neenkonzo ezithi, njengomsebenzisi, zifunyenwe ngokusebenza nge-cryptocurrencies.

Kuyinyani ukuba ezona bhanki ziqaphelekayo kweli candelo sele ziqalisile ukutyala imali ukuze ziphande kwaye ziphuhlise iteknoloji ye-blockchain. Injongo kukukwazi ukubuyisela umhlaba kwaye ufumane indawo kwintsimi yebhanki yedijithali.

Sala kakuhle kwisenzo esigwenxa

Ngaphandle kohlaziyo lwetekhnoloji, ibhanki yemveli kufuneka isuse i-halo yokungathembani eyingqongileyo emehlweni omthengi. Kangangamashumi eminyaka, iibhanki bezikwindlela yokuphambana kwabasebenzisi abangonwabanga abathi, ngaphandle kwedosi enempilo yokungabi nakuzinceda, babone izenzo ezigwenxa.

Ukusetyenziswa kwee-akhawunti, ukusetyenziswa kwee-debits phambi kweekhredithi, ukuqokelelwa kweekomishini, amagatya axhaphazayo, isibophelelo sokuthenga iimveliso zemali ... kunye nezinye izinto ezide, zaphela zenza umthengi azive angathembani ngokubanzi.

Ukususela ngoku, eli candelo kufuneka lifunde oko kunye ukwenziwa kwedijithali, abathengi banokufikelela kuzo zonke iihambo zabo nge-smartphone elula. Kuyacaca ukuba ezi nkqubo zebhanki zineentsuku zazo zibaliwe.

Ukujongana nale meko, sele kukho iibhanki ezizama ukuphucula umfanekiso wabo. Ukwenza oku, bagxininise, phakathi kwezinye izinto, ekuphuculeni inkonzo yabo yabathengi, ukunika iinketho zedijithali kunye nokunciphisa okanye nokuphelisa iikhomishini.

Kuyo nayiphi na imeko, ngokoluvo lweengcali zebhanki, ibhanki yemveli kufuneka ibheje kwizisombululo zedijithali ezihamba ngaphaya kwemiqobo emiliselweyo. Oku kuthetha ukuba kufuneka badlulele ngaphaya kokufaka isicelo, ngendlela eqhelekileyo, iindlela ezithile zokhetho ezifana neenkonzo zebhanki eziphathwayo.

Phakathi kwenkqubo ephazamisayo inkqubo yezemali izifumana, ukuba abayishiyi imisebenzi yangaphambili kwaye bamkele inguqu enzulu abayidingayo, basengozini yokushiywa ngasemva.

Iimpapasho ezikhethekileyo ezifana ne IBhanki yaseMelika ukukhuthaza iibhanki ukubhengeza ukuba cryptocurrencies nayo ingaba ithuba leebhanki. Eli phephancwadi libonisa ukuba imibuzo efana nendlela yokuhlawula iintlawulo, ukuququzelela ukuthengiselana ngemali yamazwe ngamazwe, ukuvumela ukutshintshiselwa kwee-bitcoins ngemali yangoku okanye ukuzimisela ukunika iimali-mboleko ngemali ebonakalayo, kunokunyusa icandelo.

Ibhanki yemveli vs cryptocurrencies, ukuvela kweemarike zemali

Kutshanje, kukho utshintsho oluthile kwiindlela zokuziphatha kwezinye iibhanki zemveli kunye namaziko emali. Babonakala befuna ukuziqwebela indawo kwindawo ye-cryptocurrencies kunye ne-blockchain.

Bathi bafuna ukuphumeza uphuculo kuthungelwano lweebhanki. Inyaniso kukuba i-cryptocurrensets entsha idalwe, leyo, ngesandla kunye nebhanki, izama ukungena kwimarike yebhanki yendabuko.

Enye yezona ziganeko zamva nje zibhekisa kumbutho oye wasekwa phakathi kweSantander kunye nezinye iibhanki ezili-13, kubandakanywa amagama anamandla njengeBarclays, iCredit Suisse, ING, iLloyds Banking Group, iNasdaq okanye iCommerzbank.

Ezi ntsika zebhanki zemveli zidale iFnality. Injongo ibandakanya ukusekwa kwe “ uthungelwano lweziseko ezingundoqo zemarike yezemali ". Inemali yayo yedijithali, i-USC. Le cryptocurrency ibotshelelwe, ngokwemigaqo yexabiso, kwiimali ze-fiat.

Akukho khetho. Umlo phakathi kweebhanki zemveli kunye ne-cryptocurrencies sele iqalile kwaye ukuba yangaphambili ifuna ukukhuphisana nge-cryptocurrencies. Iibhanki zemveli kufuneka zitshintshe izinto ezininzi. Inkqubo kufuneka idlule, phakathi kwezinye izinto, ukupheliswa komngcipheko, iindleko kunye nokungasebenzi kakuhle. Ngaba baya kukwazi okanye kukuphela kwenkqubo endala ngaphandle kweempendulo kwimeko yezemali yehlabathi?

Ngapha koko, ayimangalisi into yokuba amaqumrhu ebhanki exhawula izandla ngee-cryptocurrencies. Ikamva logcino-mali lwemveli belingayi kuba likho ukuba ayiguquki kwaye ihambelane nenkqubela phambili yeNew Technologies.

Inkqubo yethu yezemali iyaqhubeka nokumiliselwa kumzekelo owaphuhliswa kwisiqingatha sesibini senkulungwane edlulileyo. Iye yanyamezela imingeni yokuhamba kwexesha kunye neepatches ezahlukeneyo zobuchwepheshe, ezithe zasilela ukulungelelanisa ngokwenene ngokufanelekileyo kwixesha ledijithali.

Inguquko ye-cryptocurrency

Ukufika kwee-cryptocurrencies kube yinkqubo ephazamisayo kwimeko yezemali, ukubonelela ngeenzuzo ezininzi kumsebenzisi. Ngale ndlela, abathengi abafuni abalamleli ukwenza iintengiselwano zabo zoqoqosho. Ngaphezu koko, ezi nkqubo zikhawuleza, zingenziwa kuso nasiphi na isixhobo esiphathwayo kwaye zinikeze ukufikelela kuqoqosho lwehlabathi.

Inkqubo yezemali kwinkonzo yomntu wonke

Kufuneka kuthathelwe ingqalelo ukuba ngaphezu Abantu abazizigidi ezingama-2 ehlabathini lonke abanakho ukufikelela kwiinkonzo zebhanki eziqhelekileyo. Ukubonakala kwee-cryptocurrencies kufike ukunciphisa le meko. Oku kwabavumela ukuba bathathe inxaxheba kuqoqosho lwehlabathi. Yayiluguquko lokwenene oluquka ithuba lokuphuma kwintlupheko.

Le ndlela yokusebenza ithanda ukubonakala kothungelwano lwemali olusekwe phakathi kokulinganayo. Kuya kusiba ngakumbi nangakumbi ukungqina olu hlobo lonxibelelwano. Isiphumo esithe ngqo seshishini lezemali siguqulela kwingozi yokwenyani kulo lonke icandelo.

Isizathu sokoyika ibhanki: imisebenzi peer-to-peer kunye cryptocurrencies ukubaleka centralized ulawulo. Ukongeza, ukuhambisa imali kumazwe ngamazwe kulula kwaye kunexabiso eliphantsi.

Ingxelo ye-BBA yase-UK " Ukuphazamiseka kweDijithali: Ingxelo yeBhanki yase-UK ibonisa ngokucacileyo oku. Kwiingcali, ngokusetyenziswa kweBitcoin, abantu baphatha iimfuno ezininzi bebodwa ezifuna ibhanki kude kube ngoku. Ngoku ukusebenzisana nebhanki akuyomfuneko, kwaye umsebenzisi ugcina kwiikhomishini.

Ngaba iibhanki eziqhelekileyo zanyamalala?

Iimali zedijithali zigungqise iziseko zecandelo elalihlala lizinzile kwixesha elidlulileyo. Ukuvela kweebhanki zemveli akuhambanga kunye neemfuno eziveliswa ngabathengi.

Njengoko ihlabathi lalingena ngaphakathi inguqu kwezoshishino 4.0. Amacandelo kunye neenkampani kwafuneka zijongane notshintsho olunamandla oluya kubagcina bekwimarike kwaye bakhuphisane ngokupheleleyo.

Amaqumrhu ebhanki azamile ukulibazisa okanye ade aphephe inkqubo yenguqu engenakuthintelwa. Nkqu neebhanki ezingoovimba khange bakwazi ukuthatha isigqibo. Kuyo nayiphi na imeko, nokuba bafike emva kwexesha, akukho nto banokuyenza ngaphandle kokuphinda baziqalele kwaye ii-cryptocurrencies ziyincopho ye-iceberg abanokuthi beze ngokuchasene nayo.

Ngapha koko, ukuba bafuna ukuhlala bekhuphisana, iibhanki ezinkulu kufuneka zidlule kwinkqubo enzulu yedijithali. Bamele balungele ukunikela, ngexesha langempela, ukhetho kunye neenkonzo ezithi, njengomsebenzisi, zifunyenwe ngokusebenza nge-cryptocurrencies.

Kuyinyani ukuba ezona bhanki ziqaphelekayo kweli candelo sele ziqalisile ukutyala imali ukuze ziphande kwaye ziphuhlise iteknoloji ye-blockchain. Injongo kukukwazi ukubuyisela umhlaba kwaye ufumane indawo kwintsimi yebhanki yedijithali.

Sala kakuhle kwisenzo esigwenxa

Ngaphandle kohlaziyo lwetekhnoloji, ibhanki yemveli kufuneka isuse i-halo yokungathembani eyingqongileyo emehlweni omthengi. Kangangamashumi eminyaka, iibhanki bezikwindlela yokuphambana kwabasebenzisi abangonwabanga abathi, ngaphandle kwedosi enempilo yokungabi nakuzinceda, babone izenzo ezigwenxa.

Ukusetyenziswa kwee-akhawunti, ukusetyenziswa kwee-debits phambi kweekhredithi, ukuqokelelwa kweekomishini, amagatya axhaphazayo, isibophelelo sokuthenga iimveliso zemali ... kunye nezinye izinto ezide, zaphela zenza umthengi azive angathembani ngokubanzi.

Ukususela ngoku, eli candelo kufuneka lifunde oko kunye ukwenziwa kwedijithali, abathengi banokufikelela kuzo zonke iihambo zabo nge-smartphone elula. Kuyacaca ukuba ezi nkqubo zebhanki zineentsuku zazo zibaliwe.

Ukujongana nale meko, sele kukho iibhanki ezizama ukuphucula umfanekiso wabo. Ukwenza oku, bagxininise, phakathi kwezinye izinto, ekuphuculeni inkonzo yabo yabathengi, ukunika iinketho zedijithali kunye nokunciphisa okanye nokuphelisa iikhomishini.

Kuyo nayiphi na imeko, ngokoluvo lweengcali zebhanki, ibhanki yemveli kufuneka ibheje kwizisombululo zedijithali ezihamba ngaphaya kwemiqobo emiliselweyo. Oku kuthetha ukuba kufuneka badlulele ngaphaya kokufaka isicelo, ngendlela eqhelekileyo, iindlela ezithile zokhetho ezifana neenkonzo zebhanki eziphathwayo.

Phakathi kwenkqubo ephazamisayo inkqubo yezemali izifumana, ukuba abayishiyi imisebenzi yangaphambili kwaye bamkele inguqu enzulu abayidingayo, basengozini yokushiywa ngasemva.

Iimpapasho ezikhethekileyo ezifana ne IBhanki yaseMelika ukukhuthaza iibhanki ukubhengeza ukuba cryptocurrencies nayo ingaba ithuba leebhanki. Eli phephancwadi libonisa ukuba imibuzo efana nendlela yokuhlawula iintlawulo, ukuququzelela ukuthengiselana ngemali yamazwe ngamazwe, ukuvumela ukutshintshiselwa kwee-bitcoins ngemali yangoku okanye ukuzimisela ukunika iimali-mboleko ngemali ebonakalayo, kunokunyusa icandelo.

Ibhanki yemveli vs cryptocurrencies, ukuvela kweemarike zemali

Kutshanje, kukho utshintsho oluthile kwiindlela zokuziphatha kwezinye iibhanki zemveli kunye namaziko emali. Babonakala befuna ukuziqwebela indawo kwindawo ye-cryptocurrencies kunye ne-blockchain.

Bathi bafuna ukuphumeza uphuculo kuthungelwano lweebhanki. Inyaniso kukuba i-cryptocurrensets entsha idalwe, leyo, ngesandla kunye nebhanki, izama ukungena kwimarike yebhanki yendabuko.

Enye yezona ziganeko zamva nje zibhekisa kumbutho oye wasekwa phakathi kweSantander kunye nezinye iibhanki ezili-13, kubandakanywa amagama anamandla njengeBarclays, iCredit Suisse, ING, iLloyds Banking Group, iNasdaq okanye iCommerzbank.

Ezi ntsika zebhanki zemveli zidale iFnality. Injongo ibandakanya ukusekwa “kothungelwano lweziseko ezingundoqo zemarike yezemali”. Inemali yayo yedijithali, i-USC. Le cryptocurrency idityanisiwe, ngokwexabiso, kwiimali ze-fiat.

Akukho khetho. Umlo phakathi kweebhanki zemveli kunye ne-cryptocurrencies sele iqalile kwaye ukuba yangaphambili ifuna ukukhuphisana nge-cryptocurrencies. Iibhanki zemveli kufuneka zitshintshe izinto ezininzi. Inkqubo kufuneka idlule, phakathi kwezinye izinto, ukupheliswa komngcipheko, iindleko kunye nokungasebenzi kakuhle. Ngaba baya kukwazi okanye kukuphela kwenkqubo endala ngaphandle kweempendulo kwimeko yezemali yehlabathi?