Yonke into ofuna ukuyazi malunga netekhnoloji yezemali

Itekhnoloji entsha kunye I-AI iququzelela ukudalwa kwexabiso kule mihla. Ngokufika kwe-Intanethi, sinikela ubungqina ezininzi ezintsha. Nokuba kumashishini orhwebo okanye enkonzo, imisebenzi ngoku inokuqhutywa kwi-intanethi. Ukusuka ekuthengeni ikofu kwicafe yakho yasekhaya ukuya ekulawuleni imali yakho, i-fintech ijikeleze thina. Kwicandelo lezemali umzekelo, namhlanje sithetha ngeFintech oko kuthetha ukuba i-fintech.

I-Fintech isetyenziselwe uninzi lophuhliso lwamva nje lwetekhnoloji kwizicelo zentlawulo okanye i-cryptocurrency. I-Fintech yi-portmanteau yamagama " ezemali” kunye “neteknoloji ". Ibhekisa kulo naliphi na ishishini elisebenzisa itekhnoloji ukuphucula okanye ukuzenzela iinkonzo zemali kunye neenkqubo. Ekugqibeleni,

• Yintoni iFintech?
• Ingaba isebenza kanjani?
• Indlela yokuyisebenzisa?

Kweli nqaku, sinikezela yonke into oyifunayo ukuyazi malunga netekhnoloji yezemali. Kodwa ukuze uqalise, kuya kufuneka ukwazi indlela yokusebenzisa obu buchwepheshe kwiinkampani ukuze basebenzise ithuba. masihambe...

Yintoni iFintech?

Uninzi lweziqalo ziye zaqaliswa kweli candelo kwiminyaka yakutshanje ukuqhuma! Iinguqulelo zabo zijolise ekuququzeleleni iibhanki, iintlawulo, iimali-mboleko, ulawulo lwezemali zobuqu, ukunyusa ingxowa-mali, i-inshurensi, njl. Enkosi kwizicelo zeselula,ingqiqo, i-blockchain, idatha enkulu okanye ilifu ☁️, banikezela ngeenkonzo ezikhawulezayo, ezisebenzayo, ezikhuselekileyo kunye nexabiso eliphantsi kunecandelo lebhanki lemveli.

IFinTechs ivumela umzekelo ukudluliselwa kwangoko, intlawulo yeselula engaqhagamshelwanga, 100% iiakhawunti ze-intanethi, robo-abacebisi kulawulo ipotfoliyo, crowdfunding, njl. Amaqela amakhulu asebenzisa obu buchwepheshe butsha ukuze bahlale bekhuphisana. Icandelo le-FinTech ke ngoko lifumana ukukhula kunye nokwamkelwa okukhulu kwihlabathi jikelele!

Kubathengi, iFinTech yenza ubomi bemihla ngemihla bube lula kwaye inika ulawulo olungaphezulu kwezemali. Kwiingcali, balungiselela iinkqubo kwaye banciphise iindleko. Impembelelo yabo inkulu kwaye iya kuba njalo ukuqhubeka nokukhula !

Isebenza njani i-fintech?

I-Fintech ayiloshishini elitsha. Lushishino nje olunayo zavela ngokukhawuleza okukhulu. Itekhnoloji, kwinqanaba elithile, ibisoloko iyinxalenye yehlabathi lezemali. Nokuba kukungeniswa kwamakhadi okuthenga ngetyala ngeminyaka yoo-1950 okanye ii-ATM, imigangatho yokurhweba nge-elektroniki, ii-apps zezemali zobuqu kunye norhwebo oluhamba rhoqo kumashumi eminyaka alandelayo.

I-innards ye-fintech iyahluka ukusuka kwiprojekthi ukuya kwiprojekthi okanye kwisicelo ukuya kwisicelo. Ezinye zenkqubela phambili zamva nje zisebenzisa ialgorithms yokufunda koomatshini, ibhloko, kunye nesayensi yedatha ukwenza konke. Ngapha koko, kukho i-subset yonke yetekhnoloji yolawulo ebizwa ngokuba yi-"regtech" eyilelwe ukuzulazula kwihlabathi elintsonkothileyo lokuthotyelwa kunye nemiba yolawulo lweshishini.

I-Blockchain yi-ledger eququzelela inkqubo yokurekhoda ukuthengiselana kunye nokulandelela i-asethi kwinethiwekhi yezoshishino. I-asethi inako ukuba yinto ephathekayo okanye engabambekiyo. Phantse yonke into yexabiso inokulandelwa kwaye ithengiswe kwinethiwekhi ye-blockchain. Intoni kunciphisa umngcipheko kunye neendleko kubo bonke ababandakanyekayo. I-Fintech ikhona kumacandelo ahlukeneyo kunye namashishini. Nantsi eminye imizekelo yosetyenziso lwetekhnoloji yezemali.

Ukusetyenziswa kweFintech Financial Technologies

Ushishino lweenkonzo zezimali alukho malunga nokukhawuleza. Kodwa namhlanje, ukuguquguquka kunye nokuphindaphinda ngokukhawuleza oko kanye abathengi kunye neenkokheli zoshishino zilindele-kwaye, ngokunyuka, kufuneka. Imizekelo yokusetyenziswa kwe-fintech ibonakala kuyo yonke indawo, sinikezela kuwe eyona isetyenziswa kakhulu.

✔ IiCryptocurrencies kunye nemali yedijithali

I-Cryptocurrency kunye ne-blockchain yimizekelo eqhelekileyo ye-Fintech. Utshintshiselwano lwe-Cryptocurrency njengeCoinbase kunye neGemini zidibanisa abasebenzisi ukuthenga okanye ukuthengisa ii-cryptocurrencies njenge-bitcoin okanye i-litecoin.

Kodwa ukongeza kwi-crypto, iinkonzo ze-blockchain ezifana ne-BlockVerify zinceda ukunciphisa ubuqhetseba ngokugcina idatha ye-provenance kwi-blockchain. Ezi teknoloji zibizwa Ukubonakaliswa. Kwaye ngelixa obu buchwepheshe bunokuba nokusetyenziswa kwe-fintech, ngokuqinisekileyo bathathe inxaxheba kwihlabathi lotyalo-mali ngoqhwithela kwiminyaka yakutshanje.

✔ Insurtech

Itekhnoloji ye-inshurensi ishunqulelwe i-Insurtech. Ludidi olubanzi noluphuhlayo lobugcisa obusetyenziswa kwishishini le-inshorensi. Nabuphi na ubuchwephesha obusetyenziswa yinkampani yeinshurensi ukunyusa ukusebenza kakuhle kwemisebenzi yayo bunokuqwalaselwa njenge-Insurtech. Idijithali ye-inshurensi yehlabathi ibonakala iyinyathelo eliyimfuneko. Namhlanje sibona ukuvela kwezinto zokuqala ezidibanisa i-inshurensi kunye neteknoloji.

✔ Vula iBhanki

Vula iBhanki yingcamango esekelwe kwi-blockchain. Ibeka ukuba amaqela esithathu kufuneka afikelele kwidatha yebhanki ukwenza izicelo zebhanki. I-Open Banking yinkqubo yebhanki ebonelela ngababoneleli ngeenkonzo zemali kwiqela lesithathu vula ukufikelela kwidatha yebhanki, ukuthengiselana kunye nezinye iinkcukacha zemali zabathengi ezivela kwiibhanki kunye namaziko emali angeyobhanki ngokusetyenziswa kwe-interfaces yeprogram yesicelo.

Iya kwenza uthungelwano lwee-akhawunti kunye nedatha phakathi kwamaziko ukuze asetyenziswe ngabathengi, amaziko emali kunye nababoneleli beenkonzo beqela lesithathu. Vula iBhanki iba ngowona mthombo uphambili wezinto ezintsha ezilungele ukubumba ngokutsha ishishini lebhanki.

✔ Iintlawulo eziphathwayo

Kubonakala ngathi wonke umntu one-smartphone usebenzisa uhlobo oluthile lwentlawulo yeselula. Enyanisweni, ngokwedatha evela kwi-Statista, i-market market yokuhlawula i-mobile yehlabathi isendleleni yokudlula i-2019 yezigidigidi zezigidigidi kwi-XNUMX. Ngobuchwepheshe obukhulayo, iinkonzo ziye zavela ezivumela abathengi ukuba benze imali kunye neentlawulo kwi-intanethi. Oku kunokwenziwa ngekhompyutha okanye isixhobo esiphathwayo ngokusebenzisa intlawulo apps ezifana.

✔ Ii-apps zohlahlo lwabiwo-mali

Enye yezona zinto ziqhelekileyo zokusetyenziswa kwefintech ii-apps zolawulo lwemali kubathengi, ukuthandwa kwabo kuye kwakhula ngokukhawuleza kwiminyaka. Ngaphambili, abathengi bekufuneka benze uhlahlo lwabiwo-mali lwabo, baqokelele iitshekhi, okanye bajonge iispredishithi ze-Excel ukulandelela iimali zabo. Kodwa namhlanje, oku akusekho. Ngoku, abathengi banokulandela ngokulula umvuzo wabo, iindleko besebenzisa usetyenziso kunye nesoftware.

Uhlahlo lwabiwo-mali olunje nge-Intuit (INTU) lunceda abathengi ukuba balandele ingeniso yabo, iintlawulo zenyanga, iindleko, kunye nokunye, konke kwisixhobo sabo esiphathwayo.

✔ IiPlatform zeCrowdfunding

Amaqonga e ukubuyiselwa kwemali vumela iinkokeli zeprojekthi ukuba zizuze kwinkxaso yeengelosi zoshishino. Esikhundleni sokuya kwibhanki yendabuko kwimali mboleko, ngoku kunokwenzeka ukuya ngqo kubatyalo-mali. Kwaye ngelixa izicelo zabo zisusela kwinkxaso-mali kusapho kunye nabahlobo ukuya kubaxhasi ngemali kunye nabaxhasi, inani lamaqonga enkxaso-mali liye landa ngokuhamba kweminyaka.

Fintech kunye neebhanki zemveli

I-Fintech kunye neebhanki zahluke ngeendlela ezininzi, kodwa owona mahluko ubalulekileyo kwinjongo yazo. Iibhanki zijongana nabaphulaphuli ababanzi, ngelixa iinkonzo zeFintech zifuna ukusombulula ingxaki ethile kwimarike. Ke ngoko, ezi nkampani zijolise ngakumbi ekusebenzeni kweselfowuni, idatha enkulu, i-agility kunye nokufikeleleka. Ngamanye amagama, i-Fintech iyafana neentengiselwano ezininzi fast, 24/7 ukufikelela kunye nokuvulwa kweakhawunti kude, okunokuba luncedo kakhulu kwabaninzi.

Kwelinye icala, iibhanki zisilela ngasemva kweli sebe kuba zidibanisa kuphela iinkqubo ze-UX eziza kuqinisekisa bonke abathengi bazo. intsebenziswano engenamthungo. Kanye njengoko igama libonisa, i-Fintech idibanisa itekhnoloji ebonelela iinkonzo ezikhawulezayo nezikhuselekileyo endaweni yoko iibhanki zemveli.

Nangona kunjalo, iibhanki zinokuba yiFintechs. Nangona i-Fintech inxulunyaniswa nento entsha kunye neyomhla, ukusetyenziswa kwetheknoloji yokunceda iinkonzo zemali akuyona into entsha. Amakhadi okuthenga ngetyala zaziswa ngeminyaka yee-50, ibhanki ye-intanethi ngeminyaka yoo-90 kunye netekhnoloji yokuhlawula ngaphandle koqhagamshelwano kwishumi leminyaka yokuqala yenkulungwane yama-XNUMX. Imfuno yenkqubela phambili yezobuchwepheshe kushishino lweebhanki yenze ukuba kudume ukuba ibhanki nganye ijonge kwiinketho zobuchwephesha.

IiNzuzo zeFintech Financial Technologies

Enye yeenzuzo zeFinTech kukubonelela ngeenkonzo ezoyise ezinye zezithintelo zeenkqubo zokuhlawula.

Umzekelo Lo mqobo ngumqobo wejografi apho abantu kusafuneka baye ezibhankini ukwenza intengiselwano yentlawulo. Ke, i-fintech inamandla okuphucula ukubandakanywa kwemali. Ukuqhubela phambili kweFinTech ngandlel’ ithile kwaba koyisa kulo mqobo xa abantu baqalisa ukusebenzisa iinkonzo ze-FinTech ezinjengezipaji zedijithali kunye neselfowuni, i-POS ephathwayo, kunye nokudluliselwa koontanga.

Olunye uncedo lweFintechs kukukhululeka kosetyenziso lwefowuni ephathwayo eqhuba ezinye iinguqulelo zedijithali ikhadi letyala okanye debit. Ukongezelela, kukulungele ukusebenzisa, i-centralization yeendlela zokuhlawula kunciphisa ixesha lokuthenga ukuthenga. I-Fintech inexabiso eliphantsi, iza kuphela neendleko zokusebenza eziphantsi kunye nemirhumo ephantsi. Ngaphezu koko, iintengiselwano zikhawuleza kakhulu kwaye zikhuselekile. Awusekho phantsi kolawulo oluninzi lomzimba.

Imida yefintech

Nangona zithembisa, itekhnoloji yezemali (i-FinTech) nayo inezithintelo kunye nemida ethile:

La ukhuseleko lwedatha ngumngeni omkhulu. Umngcipheko wokugqekezwa kunye nokuvuza kwedatha enovakalelo iye yandiswa ngokuncipha kweenkonzo zemali. Iimpazamo kwiinkqubo zinokukhokelela kwiziphumo ezibi.

Ummiselo wabo inokuba nzima kwabasemagunyeni. Eli candelo likhula ngokukhawuleza, nto leyo eyenza kube nzima ukulungelelanisa imithetho kunye nokubeka iliso kubadlali. Ezinye iinkonzo ezivelisa izinto ezintsha zisebenza kwiindawo ezingwevu. I-FinTech inokukhokelela kwi ukulahlekelwa yimisebenzi emininzi kwibhanki yemveli, endaweni yayo algorithms kunye AI. Oku kubandakanya ukuqeqeshwa kwakhona kobungcali.

Ujongano lwedijithali kuphela lukhokelela ku-a ukunyeliswa kobudlelwane bomthengi. Iingcebiso zomntu ngamnye zihlala zibalulekile kwiinkonzo zemali ezinzima. Uninzi lweeFinTechs ziyasilela ukufikelela kubunzima obubalulekileyo kwaye zitshone emva kweminyaka embalwa. Abathengi kufuneka baqinisekise uzinzo lwazo.

Iinkonzo zasimahla okanye eziphantsi kakhulu zinokufihla ukusetyenziswa okunengeniso kwedatha yabathengi. Ukucaca kubalulekile. Ngaphandle kwale mingeni, igalelo leFinTech likhangeleka lilihle kakhulu ekuphuculeni icandelo lezemali neleebhanki. Kodwa qaphela ibekwe kwiingozi ezithile ezinokubakho.

Iinkampani ezi-5 eziphezulu zeFintech kwihlabathi

Inkampani yakwaFintech naliphi na iziko loshishino elisebenzisa ubuchwephesha bale mihla ukubonelela ngeenkonzo zemali kubasebenzisi bayo. Kwiminyaka elishumi edlulileyo, iteknoloji yezemali iye yaba yinxalenye ebaluleke kakhulu kwishishini letekhnoloji. Ngezantsi zi-5 zezona nkampani zibalulekileyo ze-fintech ezivela kwihlabathi jikelele. Zidweliswe ngokolandelelwano olunyukayo.

✔ Coinbase

I-Coinbase lutshintshiselwano lwe-cryptocurrency olwasekwa ngo-2012, lunika abasebenzisi amandla okuthenga, ukuthengisa nokugcina i-asethi yedijithali efana ne-Bitcoin, i-Ethereum kunye nezinye ii-cryptocurrencies ezidumileyo. Inkampani iye yaba yenye amaqonga amakhulu kunye nawona athembekileyo utshintshiselwano lwe-cryptocurrency kwihlabathi, ikwabonelela ngeenkonzo zesipaji sedijithali kunye noluhlu lwezinye iimveliso ezinxulumene ne-cryptocurrency. Njengenkampani ethengiswa esidlangalaleni, iCoinbase ilandelwa ngokusondeleyo ngabatyalo-mali kunye nababukeli beemarike.

I-Coinbase inikeza uluhlu lweemveliso kunye neenkonzo ezibandakanya ukutshintshiselana ukuthenga, ukuthengisa kunye nokurhweba ngemali ye-crypto, i-wallet yedijithali yokugcina ngokukhuselekileyo i-asethi yedijithali, i-Coinbase Pro eyiqonga lokurhweba eliphambili, i-Coinbase Earn eyinkqubo yokufundisa abasebenzisi ukuba bafunde ngeemali ze-crypto. kwaye ufumane i-asethi yedijithali njengembuyekezo, kunye nezisombululo zabarhwebi kunye namashishini afuna ukwamkela iintlawulo ze-cryptocurrency.

Ukusebenza kwemali ye-Coinbase njengenkampani ethengiswa esidlangalaleni kuluntu kwaye inokujongwa ngemithombo yemali kunye neengxelo zenkampani.

✔ Paytm

I-Paytm yeyona nkampani inkulu yetekhnoloji yezemali esekwe eIndiya. Yasekwa ngo-2010 ekuqaleni njengeqonga lokutshaja kwi-intanethi. Ngo-2015, ukuqaliswa kuye kwanda kwi-e-commerce kunye neenkonzo zentlawulo ye-intanethi kwaye yafumana abasebenzisi ababhalisiweyo be-104 yezigidi. Isiseko sayo sangoku sabasebenzisi sisondele kwi-350 yezigidi (2019).

Inkampani inyuse i-1 yeebhiliyoni zeedola kwi-capital entsha kwixabiso le-16 yeebhiliyoni zeedola kubatyali-mali bayo abakhoyo - Iqela le-Ant ye-Alibaba kunye ne-SoftBank Vision Fund, phakathi kwezinye iifemu zabucala ze-equity ngo-2019. utyalo-mali yi Berkshire Hathaway.

✔️ Adyen

Adyen yeyona nkampani ixabisekileyo ye-fintech yaseYurophu. Ivumela amashishini kunye nabarhwebi ukuba bafumane iintlawulo naphi na emhlabeni. Oku kusetyenziswa uthungelwano lwekhadi (njenge-VISA kunye ne-Mastercard) kunye neendlela zokuhlawula zendawo. Ukongeza, isebenzisa ukufundwa koomatshini ukubonelela ngemibono yentengiselwano ukuze kuphuculwe ingeniso.

Inkampani inenzuzo ukususela ngo-2011. Kwi-2016, ingeniso yayo yonke inyuke ngo. I-99% ukufikelela kwi-727 yezigidi zeedola. I-Adyen ixhaswa yimali enkulu yelinge kunye neefemu zezabelo zabucala, kubandakanya iTemasek Holdings, iGeneral Atlantic kunye neIndex Ventures. Yaya kuluntu ngoJuni ka-2018.

✔️ Imivumbo

ngombala liqonga lentlawulo le-intanethi elasekwa ngo-2010, libonelela amashishini ngokukwazi ukwenza iintlawulo zekhadi letyala kunye nezinye iindlela zokuhlawula nge-intanethi. Inkampani ibe ngumdlali oyintloko kwindawo yokuhlawula i-intanethi, inika izisombululo zokulungiswa kwentlawulo, ukuhlawula, ukubhaliswa kokubhalisa kunye nezinye iinkonzo ezinxulumene nazo.

Njengenkampani yabucala, iinkcukacha malunga nokusebenza kwemali kweStripe azifumaneki ngokubanzi njengenkampani erhweba esidlangalaleni. IStripe yaziwa ngojongano lwayo olusebenziseka lula, ukhuseleko, kunye nokukwazi ukudibanisa ngokulula kunye neewebhusayithi kunye neeapps eziphathwayo. Iimveliso kunye neenkonzo zeStripe zibandakanya iqonga leentlawulo ze-intanethi ukuze amashishini asebenze ngekhadi letyala kunye nezinye iindlela zokuhlawula, izixhobo zokuhlawula zokulawula ukubhalisa kunye neentlawulo eziphindaphindiweyo, kunye nezisombululo zorhwebo kwi-intanethi.

✔ LwezeMali

LwezeMali ezinze e China, yeyona nkampani iteknoloji yezemali inkulu ehlabathini. Ingumnini weenkonzo zezimali ezininzi ezinobunzima, kubandakanya i-Alipay, elona qonga likhulu lentlawulo ye-intanethi, kunye neYu'e Bao, ingxowa-mali yesithathu ngobukhulu emhlabeni. Ikwaqhuba inkqubo yabucala yamanqaku etyala ebizwa ngokuba yiSesame Credit.

Inkampani yasekwa emva kokuba i-Alipay yabizwa ngokuba yi-Ant Financial Services ngo-2014. Kunyaka olandelayo, inkampani yafumana imali eninzi evela 6,5 izigidigidi zeedola evela eChina Investment Corp kunye nabanye abatyali-zimali bamaziko asekuhlaleni.

isishwankathelo

Ukuqukumbela, ubugcisa bezemali obufana neCoinbase kunye neStripe buye baguqula indlela ukuthengiselana kwemali okwenziwa ngayo. La maqonga anikezela ngezisombululo ezitsha kwiintlawulo ze-intanethi, urhwebo lwe-cryptocurrency kunye nolawulo lwe-asethi yedijithali. Ngelixa iCoinbase ibalasele ngendima yayo ephambili kutshintshiselwano lwe-cryptocurrency kunye neemveliso ezahlukeneyo, iStripe yaziwa ngeqonga layo lentlawulo le-intanethi elisebenziseka lula kunye nezixhobo eziphambili zokuhlawula. Ezi nkampani ziyaqhubeka nokubumba ikamva lentengiselwano yezemali kwaye zidlala indima ebalulekileyo kwimeko yezemali yehlabathi eguqukayo.

Ngokuzibophezela kwabo kwizinto ezintsha kunye nokhuseleko, i-Coinbase kunye ne-Stripe zihlala zihamba phambili kwi-teknoloji yezemali, zinika izisombululo eziyinkimbinkimbi ukuhlangabezana neemfuno eziguqukayo zamashishini kunye nabathengi kwixesha ledijithali. Iphelile!! Sishiyele uluvo