IBA BA yezemali yedijithali

Apha siza kuxoxa nge iimbono zezimali zedijithali. Yiyiphi enye into ngaphandle kokuguqulwa kwedijithali yecandelo lezemali, luchaphazela njani uluntu? Ziziphi iingenelo kunye neengozi zokubandakanywa kwemali yedijithali? Ukwenziwa kwedijithali kwenza ihlabathi libe yindawo engcono, akunjalo? Kweli nqaku ndikuxelela yonke into ofuna ukuyazi malunga nezezimali zedijithali. Isicwangciso esilandelayo sikunika umbono.

Kodwa ngaphambi kokuba uqale, nalu uqeqesho lweprimiyamu oluya kuthi ikuvumela ukuba wazi zonke iimfihlo zokuphumelela kwiPodcast.

🌿 Yintoni imali yedijithali okanye yedijithali?

I-Digital finance yinkalo ebanzi egxininisa ukufikelela kwidijithali kwiinkonzo zemali nge-intanethi. Iququzelela ukufikelela kwiinkonzo zebhanki zemveli ngabantu abangafumani nkonzo ngokwaneleyo.

Iququzelela ukubandakanywa kwemali yedijithali, nakwiikona ezikude kakhulu zeplanethi. Ixesha le ukhomyutha yamafu kunye noqhagamshelo lwebroadband kwisizukulwana esilandelayo kusombulula nemiba yemali engekasonjululwa.

Nokuba zizibonelelo zikarhulumente okanye ugqithiselo lwengxowa-mali ukusuka kwii-akhawunti zangaphandle, ukubandakanywa kwemali yedijithali kuvula indlela yokuhlanganiswa kweenzuzo ezingenamthungo. Izinto ezintathu eziphambili zokubandakanywa kwemali yedijithali ziquka:

✔ Iqonga lentengiselwano yedijithali

 Amaqonga entengiselwano edijithali ngawona agcina kwaye asebenze idatha yomsebenzisi ngekhompyutha ngowona mfihlelo kunye nokhuseleko.

✔ I-arhente yokuthengisa

Ii-arhente ezithengisayo zezo ziyakwazi ukufikelela kwizibonelelo zokuthumela nokufumana iimali, eziguqula ixabiso eligcinwe nge-elektroniki lengxowa mali.

✔ Izixhobo zombane ezifikelela eqongeni

Omnye unezixhobo zombane ezinjengeefowuni eziphathwayo, iitafile okanye iiPC ezinokufikelela kwidatha ngaphandle kwamacingo ngaphandle kokuphazamiseka.

Ubandakanyo lwezezimali lwedijithali lunceda kakhulu uluntu lwasemaphandleni ngokubanika ukufikelela lula kwiintengiselwano zemali.

🌿 I-lukuphindaphindwa kwemali yedijithali

Ulwazi lwezezimali lwedijithali aluyonto ngaphandle kolwazi okanye izakhono ezifunekayo ukwenza okuninzi iFintech.  

Kuphela kukukwazi komntu ukufikelela kwimithombo yedijithali ukwenzela utshintshiselwano lwezemali. Ukhuseleko kunye nokhuseleko zizinto ezimbini eziphambili zokufikelela kwizixhobo zezimali zedijithali. Ukuze ukhuseleke ngakumbi kunikezelo lwemali okanye ukhuseleko lwedatha yakho yabucala, kufuneka uqaphele imigaqo-siseko yezemali yedijithali.

Olu lwazi lokufakwa kwedijithali kwintengiselwano yezemali yinto esiyibize ngokuba lulwazi lwezezimali lwedijithali. ulwazi lwezemali Idijithali licandelo elibalulekileyo loqoqosho olungenamali. Jonga eli nqaku ukuze ufunde ngakumbi malunga ulwazi lwezemali.

🌿 Iinkonzo zemali zedijithali

Iinkonzo zezemali zedijithali inani elikhulu leenkonzo zemali ezinikezelwa kwiitshaneli zedijithali ezifana, i-ATM, i-ATM, njl. Ezi nkonzo zinikezelwa kwaye zifikeleleka nge-Intanethi kuphela.

Oku kuquka neenkonzo zebhanki ezihambahambayo ezifana ne-M-Pay, iM-Money, ezibonelela ngeenkonzo zokuthengiselana nezingezizo ezentengiselwano. Iinkonzo zezimali zedijithali zihlala zibizwa ngokuba yitekhnoloji yezemali okanye iFinTech.

Eli xesha ledijithali liququzelela inani elikhulayo Iinkampani zeFinTech eyenza lula ubomi bethu bedijithali. Isenokuba kukuhlawula amatyala okanye ukuthatha iteksi, yonke intlawulo ngoku ikwi-intanethi.

Iinkonzo zemali zedijithali okanye ishishini le-FinTech lichaza ngokutsha indlela yethu yokuphila kunye noqoqosho lwethu lusingise kwimveliso enkulu.

🌿 Unaboiinzuzo zeenkonzo zemali zedijithali

• Ifikeleleka kuyo yonke indawo
• Ilula kakhulu kwaye iyasebenza
• Gcina ixesha elininzi kunye nezibonelelo - akusekho kulinda emigceni ukuchaphazela ukuhanjiswa kwemali
• Intengiselwano nganye ihlaziywa ngexesha lokwenyani
• Ukuthatha izigqibo ngokulula
• Ukuthembeka kunye nokuguquguquka ukuchaphazela ukuthengiselana
• Ukuhlanganiswa okungenamthungo kwazo zonke iiplatifti zedijithali
• indalo friendly
• Ukunyuka kwesiseko sabathengi ngenkxaso yobugcisa
• Ukwandisa ukufikelela kunye ne-omnichannel digital marketing

Ezi ziinzuzo zeenkonzo zezimali zedijithali ezinceda amashishini kunye nabathengi kuluntu. Ukuvela kobuchwephesha bekhompyuter kuguqula amandla ebhanki eqhelekileyo kunye neenkqubo zezimali.

🌿 Iingozi ezinxulumene nemali yedijithali

Nangona ukukhula kwedijithali kwecandelo lezemali, kusekho imingcipheko efuna ukuqwalaselwa.

✔ Ababoneleli abatsha

Iindidi ezintsha zamaziko ziphindaphindeka ngokukhawuleza kwaye zinokukhula.

Baxhomekeke kwezinye iinkampani zemali kunye nezingezizo ezemali kwiinkalo ezibalulekileyo zeshishini labo. Ngenxa yoko, ukusebenzisana nabathengisi abaninzi ekunikezelweni kwedijithali kweenkonzo zemali kuyingozi.

Eyokuqala kukungabikho elubala, kubandakanywa ngokunxulumene nokuphathwa kwabathengi. Ubambiswano olunjalo lunokudala izithuba zokongamela ngumboneleli ophambili kunye namanye amaqela esithathu.

Ubumfihlo kunye nokhuseleko lwedatha yeyesibini. Ngenxa yokuba ubukhulu bentsebenziswano buphezulu, ngakumbi kukho ukukhathazeka malunga nokubeka iliso kunye nemithetho eyahlukeneyo yokukhusela abathengi.

✔️ Uukusetyenziswa kweearhente

Iiarhente zisebenza njengelona khonkco liphambili phakathi kweenkonzo zemali ezisisiseko kunye nabemi abakude. Kodwa nangona banikezela ukufikelela ebhankini, ukusetyenziswa kwee-arhente kunemiqobo ebalulekileyo.

Inqaku eliza kufundwa: Yintoni isango lokuhlawula: PayPal, Payoneer, Stripe?

Eminye yale mingeni isenokuba kukunqongophala kolawulo nonxibelelwano olusebenzayo. Oku kunokukhokelela ekungabikho elubala, ukwanda komngcipheko worhwaphilizo nobusela, kwaye kunokwenza kube lula ukuziphatha kakubi kubathengi.

✔️ I-titeknoloji yedijithali

Ukufakwa kwedijithali kweenkonzo zezimali ngumkhwa omkhulu owandisa uqhagamshelwano. Ikwadibanisa iindawo ezikude ne-ecosystem yeenkonzo zezimali. Kodwa kukwakho imiqobo ekufuneka uyithathele ingqalelo efana nomgangatho owahlukileyo wetekhnoloji yedijithali.

Oku kunokuba nempembelelo enkulu kwi ubumfihlo bedatha kunye nokhuseleko. Iinkxalabo malunga nokhuseleko lwedatha ziquka iingozi zokugqekeza kunye nokuba sesichengeni kwee-smartphones ezinexabiso eliphantsi kwi-malware.

Ukongezelela, amanethiwekhi eselula angathembekiyo kunye neeplatifti zedijithali zokuthengiselana zingakhokelela ekungakwazini ukuthengiselana.

Oku kunokuba ngenxa yobuthathaka kwinethiwekhi okanye umgangatho wobugcisa. Umzekelo uya kuba ilahleko imiyalelo yentlawulo ngenxa yokungabikho koqhagamshelwano okanye imiyalezo elahlekileyo.

🌿 Ukubaluleka kwenguqu yezemali yedijithali

Igama elithi idijithali liya licaca kakhulu ngeli xesha lobuchwephesha obukrelekrele. Ukubaluleka okanye imfuneko yokuguqulwa kwedijithali kwiibhanki kukunqoba inkqubo yemali enzima kunye nexesha elide kunye nezisombululo ezilula zedijithali.

Inqaku eliza kufundwa: Iindlela ezintsha zentlawulo yedijithali

Inguqu yedijithali kubuchwepheshe bezemali inika abantu inkululeko enkulu yokulawula iiakhawunti zabo.

Wonke umntu unokwenza naluphi na uhlobo lwentengiselwano ngaphandle kokufuna uncedo kwisebe labo okanye kubasebenzi bebhanki. Imali yedijithali injalo yomelele kwaye isebenziseka lula ukuba igxile ekwanelisekeni kwabathengi.

Ukuguqulwa kwedijithali akugcini nje ukwenza lula inkqubo ekhoyo, kodwa iphinda iququzelele ukuguquka kweemveliso zezemali ezintsha kunye nezixhobo ezandisa imveliso kunye nokusebenza kakuhle kwanoma yimuphi umsebenzi.

Owona mzekelo ubalaseleyo wokuskena kunye nokuskena FASTag. Inkqubo yokuqokelelwa kwerhafu yenziwe lula ngoku.

Ungagcina ixesha elininzi kunye nezixhobo, hamba ngaphandle kwephepha, ube nemveliso ngakumbi ngenkqubo yentengiselwano ekhuselekileyo. Yi amandla nokubaluleka yenguqu yezemali yedijithali.

I-Digitization iguqula ishishini lebhanki elikhoyo kungekuphela nje ngokurekhoda utshintshiselwano kodwa kunye nokufumana ukuqonda okupheleleyo kokuziphatha kwabathengi kunye nendlela yokuthengisa. Inkqubo yebhanki iye yavela njengenkqubo eqhutywa yingqiqo esebenzayo.

Ibeka imigangatho ephezulu, ukuqhubekeka ngokukhawuleza, ukuphunyezwa okupheleleyo okuzenzekelayo nge ulwaneliseko eliphezulu lomthengi kunye nabasebenzi.

🌿 Iimpembelelo zezimali zedijithali kwishishini lezemali

Ubuchwepheshe obutsha kunye neenkonzo zedijithali ziye zavela kwicandelo lezemali. Inike indawo kwiinkonzo ezintsha eziphazamisa ezindala.

Inguqu yedijithali yezemali iyaqhubeka nokuba nefuthe kwishishini. Oku kubonakala kwiinkonzo esizisebenzisayo namhlanje ezifana ApplePay, PayPal okanye Venmo, phakathi kweminye imizekelo.

Nalu utshintsho oluphambili olunempembelelo kwicandelo lezemali:

✔️ I Iibhanki zedijithalis

Ngaphambili, iibhanki bezinika inkuthazo yokuvula iakhawunti. Kwakhona wanika abathengi izithembiso ezifana akukho ntlawulo, imirhumo ephantsi, isheke sasimahla okanye imbuyekezo.

Kodwa ngoku ezi mpawu zonke zinikezelwa kwaye zilindeleke kwibhanki yedijithali.

Iibhanki okanye iinkampani amakhadi okuthenga ngetyala zikhatshwa sisicelo esiphathwayo ukuze abathengi bakwazi ukufikelela kwiiakhawunti zabo ze-intanethi, bahlawule amatyala abo kwaye balandelele iindleko zabo. Jonga eli nqaku ukuze ufumane indlela yokukhetha ikhadi lakho letyala.

✔️ Itekhnoloji yezemali: Fintech

I-Fintech ibhekisa kumaziko emali kunye neebhanki ezifuna ukusebenzisa ngokupheleleyo amandla eenkqubo ezikhoyo, ihardware kunye nesoftware.

Namhlanje, isetyenziselwa itekhnoloji yebhanki yedijithali efana nezipaji zedijithali, iibhanki, itekhnoloji yebhloko, njl.

La Fintech itshintsha ubume beenkonzo zemali ngeendlela ezininzi ngokujongwa kweendleko, izixhobo zohlahlo lwabiwo-mali kwi-intanethi, kunye nee-chatbots ezizenzekelayo zenkonzo yabathengi.

✔️ Itekhnoloji ye block Chain

Itekhnoloji yeBlockchain ihlala idityaniswa neBitcoin kunye nezinye ii-cryptocurrencies. Kodwa ikwabonelela ngamathuba amakhulu kwezinye iindawo, ezinjengokusebenzisa ulawulo olungqongqo oluvumela idatha eqinisekisiweyo kunye izivumelwano smart.

Inkqubo yeleja yeBlockchain yonyusa ukungafihli, yakha ukuthembana kubasebenzisi, kwaye inciphisa iimpazamo zabantu kunye nobungozi.

Kungenxa yoko utshintshiselwano lwesitokhwe, iibhanki kunye neenkampani zeArtificial Intelligence zihlola ukusetyenziswa kobu buchwepheshe. Jonga eli nqaku ku konke malunga cryptocurrency

🌿 Liliphi ikamva lezemali yedijithali?

Ngokuvela kobukrelekrele bokwenziwa, ukufundwa koomatshini kunye nohlalutyo olukhulu lwedatha, imali yedijithali ineempawu ezininzi eziphambili ezinokuthi zinikezelwe eluntwini.

Iinkampani zeFintech ngokuthe ngcembe zizama ukuzisa utshintsho oluphazamisayo kwicandelo lezemali.

I-automation process yerobhothi kunye nokufunda komatshini kunempembelelo enkulu ekulungiseleleni iinkcazo zemali zonyaka, iingxelo zoxolelaniso kwiibhanki ezinkulu kunye namaziko emali.

Inqaku eliza kufundwa: Konke malunga neekontraki ezihlakaniphile

I-AI ye-cognitive computing, uqikelelo olusekwe kwi-algorithm, kunye nokwenza izigqibo malunga namaxabiso exesha elizayo kuphunyezwa kwiinkqubo zemveli.

Utshintsho lwedijithali kwiibhanki nakwimali luvelisa ukusebenza okugqwesileyo.

Ukusetyenzwa kwedatha yexesha langempela, ingxelo yedatha, kunye nocwangciso lwezemali oluxhaswa yi-AI lunika indlela yolawulo olungcono lwemali, okukhokelela ekukhuleni kweemarike kunye nokukhula kweshishini.

Imali yedijithali ikhokelela kuyilo lomthengi-ophakathi kunye nomgangatho kunye nokusebenza ngokukhawuleza nge kwi-memory computing. Isicwangciso senkxaso-mali esifunekayo sinceda ekwenzeni izigqibo ezingcono zoshishino.

Inqaku eliza kufundwa: Yonke into omawuyazi malunga nesiginitsha ye-elektroniki

Iikhontrakthi ze-Smart, zenziwe lula ukuba ukulandelela i-asethi, imodeli yezemali kunye nezisombululo zinceda kakhulu kuhlalutyo lokuxela kwangaphambili.

Izicwangciso ze-algorithmic zokurhweba zinceda ukuqikelela ipesenti yokuwina iyonke. Kwaye ikamva lezemali zedijithali lininzi kwiphalethi yalo!

Imali ephazamisayo yedijithali iphakamisa imigangatho yokuphila kunye nokuhlengahlengisa amaziko emali ngeenjongo eziphezulu kunye nomgangatho ongaguqukiyo.

Ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba wenze njalo master yorhwebo ngeyure nje 1. Cofa apha ukuze uyithenge

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