Konke odinga ukukwazi mayelana nobuchwepheshe bezezimali

Ubuchwepheshe obusha kanye I-AI isiza ukudalwa kwevelu namuhla. Ngokufika kwe-Internet, siyafakaza emisha eminingi. Noma ngabe kusemabhizinisini okuhweba noma wesevisi, imisebenzi manje isingenziwa ku-inthanethi. Kusukela ekuthengeni ikhofi ekhefi yangakini kuya ekuphatheni izimali zakho, i-fintech isizungezile. Emkhakheni wezezimali ngokwesibonelo, namuhla sikhuluma nge-Fintech okusho ukuthi i-fintech.

I-Fintech isetshenziselwe ukuthuthuka okuningi kwakamuva kwezobuchwepheshe ezinhlelweni zokukhokha noma i-cryptocurrency.

I-Fintech iyisizinda samagama athi “ ezezimali” kanye “nobuchwepheshe ". Isho noma yiliphi ibhizinisi elisebenzisa ubuchwepheshe ukuze lithuthukise noma lizenze ngokuzenzakalelayo izinsizakalo nezinqubo zezezimali. Ekugcineni,

• Iyini i-Fintech?
• Isebenza kanjani?
• Isetshenziswa kanjani?

Kulesi sihloko, sethula konke odinga ukukwazi mayelana nobuchwepheshe bezezimali. Kodwa ukuze uqalise, uzodinga ukwazi indlela yokusebenzisa lobu buchwepheshe ezinkampanini ukuze asizakale.

asambe...

🌿 Iyini i-Fintech?

Iziqalo eziningi zethule kulo mkhakha eminyakeni yamuva ekuqhumeni okugcwele! Izindlela zabo ezintsha zihlose ukwenza lula ukusebenza kwebhange, izinkokhelo, izikweletu, ukuphathwa kwezimali zomuntu siqu, ukuqoqwa kwezimali, umshwalense, njll.

Ngenxa yezinhlelo zokusebenza zeselula,ukuhlakanipha okufakelwayo, blockchain, idatha enkulu noma ifu ☁️, bahlinzeka ngamasevisi asheshayo, asebenzayo, avikelekile futhi abiza kancane kunomkhakha wamabhange ojwayelekile.

Isibonelo, i-FinTech ivumela ukudluliselwa okusheshayo, inkokhelo yeselula ngaphandle kokuthinta, 100% ama-akhawunti aku-inthanethi, abacebisi be-robo bokuphathwa kwephothifoliyo, ukuqoqa imali kwabantu abaningi, njll.

Amaqembu amakhulu nawo asebenzisa lobu buchwepheshe obusha ukuze aqhubeke encintisana 💪. Ngakho-ke umkhakha we-FinTech ubhekene nokukhula nokutholwa okukhulu emhlabeni jikelele!

Kubathengi, i-FinTech yenza ukuphila kwansuku zonke kube lula futhi inikeza ukulawula okwengeziwe kwezezimali. Kochwepheshe, balungiselela izinqubo futhi banciphise izindleko 💸. Umthelela wabo mkhulu futhi uzothanda qhubeka nokukhula !

🌿 Isebenza kanjani i-fintech?

I-Fintech akuyona imboni entsha. Kuyinto nje imboni ukuthi has kwavela ngokushesha okukhulu. Ubuchwepheshe, ngokwezinga elithile, bulokhu buyingxenye yezwe lezezimali.

Noma ngabe ukwethulwa kwamakhadi esikweletu ngawo-1950s noma ama-ATM, ama-electronic trading floors, izinhlelo zokusebenza zezimali zomuntu siqu kanye nokuhweba okunemvamisa ephezulu emashumini eminyaka alandelayo.

I-innards yobuchwepheshe bezezimali iyahlukahluka kusuka kuphrojekthi nephrojekthi noma ukusetshenziswa kuye kokusebenza. Okunye okuthuthukile kwakamuva kusebenzisa i-algorithms yokufunda komshini, i-blockchain nesayensi yedatha ukwenza konke.

Eqinisweni, kukhona lonke isethi engaphansi yobuchwepheshe bokulawula ebizwa ngokuthi “regtech” eklanyelwe ukuzulazula emhlabeni oyinkimbinkimbi wokuthobela kanye nezindaba zokulawula imboni.

I-Blockchain iyi-ledger eyenza inqubo yokurekhoda ukuthengiselana nokulandelela izimpahla kunethiwekhi yebhizinisi. Impahla yekani kube okubambekayo noma okungaphatheki. Cishe noma yini enenani ingalandelelwa futhi idayiswe kunethiwekhi ye-blockchain. Ini kunciphisa ubungozi kanye nezindleko kuwo wonke umuntu ohilelekile.

I-Fintech ikhona emikhakheni nasezimbonini ezahlukene. Nazi ezinye izibonelo zokusetshenziswa kwe-fintech.

🌿 Ukusetshenziswa kweFintech Financial Technologies

Imboni yezinsizakalo zezezimali ngokuvamile ayiphathelene nokushesha. Kodwa namuhla, ukuzivumelanisa nezimo kanye nokuphindaphinda okusheshayo yilokho kanye abathengi nabaholi bebhizinisi abakulindele - futhi, ngokuya, bayakudinga.

Izibonelo zokusetshenziswa kwe-fintech zibonakala yonke indawo, sethula kuwena osetshenziswa kakhulu.

✔️ Ama-Cryptocurrencies kanye nemali yedijithali

I-Cryptocurrency kanye ne-blockchain yizibonelo ezijwayelekile ze-Fintech. Ukuhwebelana kwe-Cryptocurrency okufana ne-Coinbase ne-Gemini kuxhuma abasebenzisi ukuze bathenge noma bathengise ama-cryptocurrencies afana ne-bitcoin noma i-litecoin.

Kodwa ngaphezu kwe-crypto, izinsizakalo ze-blockchain ezifana ne-BlockVerify zisiza ukunciphisa ukukhwabanisa ngokugcina idatha ye-provenance ku-blockchain. Lobu buchwepheshe bubizwa ngokuthi Ukwenza amathokheni.

Futhi nakuba lobu buchwepheshe bungase bube yimpikiswano ngandlela thize ye-fintech, ngokuqinisekile buthathe izingxenye zomhlaba wotshalomali ngamandla eminyakeni yakamuva.

✔️ I-Insurtech

Ubuchwepheshe bomshwalense bufushanisiwe i-Insurtech. Kuyisigaba esibanzi nesithuthukayo sobuchwepheshe obusetshenziswa embonini yomshwalense. Noma ibuphi ubuchwepheshe obusetshenziswa inkampani yomshwalense ukukhulisa ukusebenza kahle kokusebenza kwayo bungathathwa njenge-Insurtech.

Idijithali yezwe lomshwalense kubonakala sengathi kufanele. Namuhla sibona ukuvela kwezinkampani eziqalayo ezihlanganisa umshwalense nobuchwepheshe.

✔️ Vula iBanking

Vula iBanking umqondo osuselwe ku-blockchain. Ibeka ukuthi izinkampani zangaphandle kufanele zibe nokufinyelela kudatha yasebhange ukuze zenze izicelo zokubhanga.

I-Open Banking iwumkhuba wasebhange ohlinzeka abahlinzeki bezinsizakalo zezezimali abavela eceleni ukufinyelela okuvulekile kudatha yasebhange, imisebenzi kanye nenye idatha yezezimali yabathengi evela emabhange nasezikhungweni zezimali okungezona ezasebhange ngokusebenzisa izixhumanisi zokuhlela izinhlelo zokusebenza.

Izovumela ukuxhumana kwama-akhawunti nedatha phakathi kwezikhungo ukuze zisetshenziswe abathengi, izikhungo zezezimali nabahlinzeki bezinsizakalo zezinkampani zangaphandle. Vula iBhange isiba umthombo omkhulu wokuqanjwa kabusha osekulungele ukubumba kabusha imboni yamabhange.

✔️ Izinkokhelo Zeselula

Kubonakala sengathi wonke umuntu one-smartphone usebenzisa uhlobo oluthile lokukhokha ngeselula. Eqinisweni, ngokusho idatha evela ku-Statista , imakethe yezinkokhelo zamaselula emhlabeni wonke isendleleni yokudlula u-$2019 trillion ngo-XNUMX.

Ngenxa yobuchwepheshe obuthuthukayo, kuye kwavela izinsiza ezivumela abathengi ukuthi benze ukushintshana ngemali kanye nezinkokhelo nge-inthanethi. Lokhu kungenziwa ngekhompyutha noma ngeselula ngezinhlelo zokusebenza zokukhokha ezifana.

✔️ Izinhlelo zokusebenza zebhajethi

Enye yezinto ezisetshenziswa kakhulu i-fintech yi izinhlelo zokusebenza zokuphatha izimali kubathengi, ukuthandwa kwabo kuye kwakhula kakhulu ngokuhamba kweminyaka.

Ngaphambilini, abathengi bekufanele bakhe amabhajethi abo, baqoqe amasheke, noma bazulazule kumaspredishithi e-Excel ukuze balandelele izimali zabo. Kodwa namuhla, lokho akusenjalo. Manje, abathengi bangakwazi ukulandelela kalula imali yabo engenayo, izindleko besebenzisa izinhlelo zokusebenza nesofthiwe.

Izinhlelo zokusebenza zobhajethi ezifana ne-Intuit (INTU) zisiza abathengi ukuthi balandelele iholo labo, izinkokhelo zanyanga zonke, izindleko, nokuningi, konke kumakhalekhukhwini wabo.

✔️ Ama-Crowdfunding Platforms

Izinkundla ze iqhaza lezezimali vumela abaholi bephrojekthi ukuthi bazuze ekusekelweni kwezingelosi zebhizinisi. Esikhundleni sokuya ebhange lendabuko ukuze uthole imali ebolekiwe, manje sekungenzeka ukuxhumana nabatshalizimali ngokuqondile.

Futhi nakuba izicelo zabo zisukela ekuxhaseni ngezimali umndeni nabangane kuye ekuxhaseni ngezimali abalandeli nabaxhasi, inani lezinkundla zokuxhaswa ngemali kwabantu abaningi liye landa phakathi neminyaka.

🌿 I-Fintech kanye nebhange lendabuko

I-Fintech namabhange ayahluka ezicini eziningi, kodwa umehluko obaluleke kakhulu usezinjongo zazo. Amabhange abhekelela izethameli ezibanzi, kuyilapho izinsizakalo ze-Fintech zifuna ukuxazulula inkinga ethile emakethe.

Ngakho-ke, lezi zinkampani zigxile kakhulu ekusebenzeni kweselula, idatha enkulu, ukushesha nokufinyeleleka. Ngamanye amazwi, i-Fintech ifana nokuthengiselana okwengeziwe ngokushesha, 24/7 ukufinyelela kanye nokuvulwa kwe-akhawunti okukude, okungazuzisa kakhulu abaningi.

Ngakolunye uhlangothi, amabhange asalela emuva kulo mnyango ngoba ahlanganisa kuphela imikhuba ye-UX ezoqinisekisa wonke amakhasimende awo. ukusebenzisana okungenamthungo. Njengoba nje igama liphakamisa, i-Fintech ihlanganisa ubuchwepheshe obunjalo obuhlinzekayo izinsiza ezisheshayo neziphephile esikhundleni salokho amabhange bendabuko.

Kodwa-ke, amabhange angaba amaFintech. Nakuba i-Fintech ihlotshaniswa nokuthile okusha nesimanje, ukusetshenziswa kobuchwepheshe ukusiza izinsizakalo zezezimali akukusha.

Amakhadi esikweletu zasungulwa ngawo-50, ukubhanga ku-inthanethi ngawo-90 kanye nobuchwepheshe bokukhokha ngaphandle kokuthinta eshumini leminyaka lokuqala lekhulu lama-XNUMX.

Isidingo sokuthuthuka kwezobuchwepheshe embonini yamabhange senze kwaduma kuwo wonke amabhange ukubheka izinketho ezithuthuke kakhulu kwezobuchwepheshe.

🌿 Izinzuzo zeFintech Financial Technologies

Enye yezinzuzo ze-FinTech ukuhlinzekwa kwezinsizakalo ezinqobe eminye yemikhawulo yezinhlelo zokukhokha.

Isibonelo walo mkhawulo wumgoqo wendawo lapho abantu kusadingeka baye emabhange ukuze benze imisebenzi yokukhokha. Ngakho-ke, i-fintech inamandla okuthuthuka ukufakwa kwezimali.

Ukuthuthuka kwe-FinTech ngandlela thize kwanqoba lo mkhawulo lapho abantu beqala ukusebenzisa izinsiza ze-FinTech ezifana nezikhwama zemali zedijithali nezamaselula, i-POS yeselula kanye nokudluliselwa kontanga kuya kontanga.

Enye inzuzo ye-Fintechs ukusebenziseka kalula kwezinhlelo zeselula ezisebenzisa izinguqulo ezithile zedijithali amakhadi esikweletu noma edebhithi. Ngaphezu kwalokho, kulula ukuyisebenzisa, i-centralization yezinketho zokukhokha kunciphisa isikhathi sokucubungula ukuthenga.

I-Fintech ishibhile, iza kuphela nezindleko eziphansi zokusebenza nezimali eziphansi. Ngaphezu kwalokho, okwenziwayo kuyashesha futhi kuvikelekile. Awusangaphansi kokuhlolwa okuningi ngokomzimba.

🌿 Imikhawulo yobuchwepheshe bezezimali

Yize buthembisa, ubuchwepheshe bezezimali (i-FinTech) bubuye bube nokubi nokulinganiselwa okuthile:

La ukuphepha kwedatha kwenza inselele enkulu. Ingozi yokugetshengwa nokuputshuka kwedatha ebucayi iyanda ngokuncipha kwezinsiza zezezimali. Ukwehluleka ezinhlelweni kungaholela emiphumeleni emibi kakhulu.

Umthetho wabo kungaba yinkimbinkimbi kuziphathimandla. Lo mkhakha uthuthuka ngokushesha, okwenza kube nzima ukulungisa imithetho nokuqapha abadlali. Ezinye izinkonzo ezintsha zisebenza ezindaweni ezimpunga.

I-FinTech ingaholela ku ukuqedwa kwemisebenzi eminingi emabhange endabuko, athathelwe indawo ama-algorithms kanye ne-AI. Lokhu kuhlanganisa ukuqeqeshwa kabusha kochwepheshe.

Izixhumi ezibonakalayo zedijithali kuphela ziholela ku ukwehliswa kwesithunzi sobudlelwano bamakhasimende. Iseluleko somuntu siqu sihlala sibalulekile kumasevisi ezezimali ayinkimbinkimbi. Ama-FinTech amaningi ahluleka ukufinyelela esixukwini esibucayi futhi aphelelwe imali ngemva kweminyaka embalwa. Abathengi kumele ziqinisekise ukusimama kwazo.

Amasevisi amahhala noma angabizi kakhulu angase afihle ukusetshenziswa okunenzuzo kwedatha yomuntu siqu yamakhasimende. Ukungafihli kubalulekile.

Naphezu kwalezi zinselelo, umnikelo we-FinTech ubukeka umuhle kakhulu ekwenzeni umkhakha wezezimali namabhange ube wesimanjemanje. Kodwa ukuqapha ibekwe ezingozini ezithile ezingaba khona.

🌿 Izinkampani ezi-5 eziphezulu ze-Fintech emhlabeni

Inkampani yakwa-Fintech yinoma iyiphi inhlangano yebhizinisi esebenzisa ubuchwepheshe besimanje ukuze inikeze abasebenzisi bayo izinsizakalo zezezimali.

Kule minyaka eyishumi edlule, ubuchwepheshe bezezimali bube yingxenye ebaluleke kakhulu embonini yezobuchwepheshe. Ngezansi kunezinkampani ezi-5 ezibaluleke kakhulu ze-fintech ezivela emhlabeni wonke. Ahlelwe ngokulandelana okunyukayo.

✔️ Coinbase

I-Coinbase iwukushintshaniswa kwe-cryptocurrency eyasungulwa ngo-2012, enikeza abasebenzisi ikhono lokuthenga, ukuthengisa nokugcina izimpahla zedijithali ezifana ne-Bitcoin, i-Ethereum namanye ama-cryptocurrencies adumile.

Inkampani isibe enye ye amapulatifomu amakhulu futhi anokwethenjelwa kakhulu ukushintshaniswa kwemali ye-crypto emhlabeni, futhi ehlinzeka ngezinsizakalo ze-wallet yedijithali kanye nohlu lweminye imikhiqizo ehlobene ne-cryptocurrency. Njengenkampani edayiswa esidlangalaleni, i-Coinbase ilandelwa eduze ngabatshalizimali nababukeli bemakethe.

I-Coinbase inikeza izinhlobonhlobo zemikhiqizo namasevisi ahlanganisa ukushintshanisa ukuthenga, ukuthengisa nokudayisa izimali eziyimfihlo, isikhwama semali sedijithali ukuze sigcine ngokuphephile izimpahla zedijithali, i-Coinbase Pro okuyindawo yokuhweba ethuthukisiwe, i-Coinbase Earn okuwuhlelo lokufundisa lwabasebenzisi ukuze bafunde ngezimali ze-crypto. futhi uzuze izimpahla zedijithali njengembuyiselo, kanye nezixazululo zabathengisi namabhizinisi abafuna ukwamukela izinkokhelo ze-cryptocurrency.

Ukusebenza kwezezimali kwe-Coinbase njengenkampani ehweba esidlangalaleni kusesidlangalaleni futhi kungabukwa ngemithombo yezezimali nemibiko yenkampani.

✔️ I-Paytm

I-Paytm iyinkampani enkulu yezezimali yezobuchwepheshe ezinze eNdiya. Yasungulwa ngo-2010 ekuqaleni njengenkundla ye-inthanethi yokushajwa kabusha kweselula.

Ngo-2015, ukuqalisa kwase kunwetshwe ku-e-commerce kanye nezinsizakalo zokukhokha ku-inthanethi futhi kwathola abasebenzisi ababhalisiwe abayizigidi eziyi-104. Isisekelo sayo samanje sabasebenzisi sisondele ezigidini ezingama-350 (2019).

Le nkampani inyuse ama- $ 1 billion enhlokodolobha entsha ngenani lezigidigidi ezingama- $ 16 kubatshalizimali bayo abakhona - I-Alibaba's Ant Group kanye neSoftBank Vision Fund, phakathi kwezinye izinkampani ezizimele ngo-2019.

Phambilini, inani le-Paytm lafinyelela ku- $ 11 billion ngo-2018 ngemuva kokutshalwa kwezimali kwezigidi ezingama- $ 357 nguBerkshire Hathaway.

✔️ Adyen

Adyen iyinkampani ye-fintech ethandwa kakhulu eYurophu. Ivumela amabhizinisi nabathengisi ukuthi bathole izinkokhelo kusuka noma yikuphi emhlabeni.

Lokhu ngamanethiwekhi ekhadi (njenge-VISA ne-Mastercard) nezindlela zokukhokha zasendaweni. Ukwengeza, isebenzisa ukufunda komshini ukuze inikeze imininingwane yokwenziwayo ukuze kuthuthukiswe imali engenayo.

Le nkampani ibe nenzuzo kusukela ngo-2011. Ngo-2016, inzuzo yayo yonke inyuke 99% ukufinyelela ku-$727 million. I-Adyen ixhaswe yizinkampani ezinkulu zebhizinisi kanye nezinkampani ezizimele, okuhlanganisa iTemasek Holdings, General Atlantic kanye ne-Index Ventures. Iqale esidlangalaleni ngoJuni 2018.

✔️ Umthende

I-Stripe iyinkundla yokukhokha ku-inthanethi eyasungulwa ngo-2010, enikeza amabhizinisi amandla okucubungula izinkokhelo zekhadi lesikweletu nezinye izindlela zokukhokha nge-inthanethi. Inkampani isibe ngumdlali omkhulu endaweni yokukhokha ku-inthanethi, enikeza izixazululo zokucubungula inkokhelo, ukukhokha, ukuphathwa kokubhalisa nezinye izinsizakalo ezihlobene.

Njengenkampani ezimele, imininingwane mayelana nokusebenza kwezimali kwe-Stripe ayitholakali kabanzi njengenkampani ehweba esidlangalaleni. I-Stripe yaziwa ngesixhumi esibonakalayo esisebenziseka kalula, ukuphepha, kanye nekhono lokuhlanganisa kalula namawebhusayithi nezinhlelo zokusebenza zeselula.

Imikhiqizo namasevisi kaStripe afaka inkundla yokukhokha ku-inthanethi ukuze amabhizinisi acubungule ikhadi lesikweletu nezinye izindlela zokukhokha, amathuluzi okukhokha okuphatha okubhaliselwe nezinkokhelo eziphindelelayo, nezixazululo zezentengiselwano.

✔️ Izimali Zentuthwane

Izimali Zentuthwane ezinze eChina, iyinkampani enkulu kunazo zonke emhlabeni yezobuchwepheshe bezezimali. Iphethe izinsiza eziningi zezezimali ezisindayo, okuhlanganisa i-Alipay, inkundla yokukhokha enkulu kunazo zonke ku-inthanethi, kanye ne-Yu'e Bao, isikhwama semakethe semali esikhulu sesithathu ngobukhulu emhlabeni. Iphinde isebenzise uhlelo lwangasese lokuthola amaphuzu ngesikweletu olubizwa ngeSesame Credit.

Le nkampani yasungulwa ngemuva kokuthi i-Alipay iqanjwe kabusha ngokuthi i-Ant Financial Services ngo-2014. Ngonyaka olandelayo, inkampani yathola ukutshalwa kwezimali okukhulu okuvela. Izigidigidi zama-6,5 zamaRandi evela e-China Investment Corp kanye nabanye abatshalizimali bezikhungo basekhaya.

🌿 Isifinyezo

Sengiphetha, ubuchwepheshe bezezimali obufana ne-Coinbase ne-Stripe buye bashintsha indlela ukuthengiselana kwezezimali okwenziwa ngayo. Lezi zinkundla zinikeza izixazululo ezintsha zokukhokha ku-inthanethi, ukuhweba nge-cryptocurrency kanye nokuphathwa kwempahla yedijithali.

Nakuba i-Coinbase igqama ngendima yayo ehamba phambili ekuhwebeni kwe-cryptocurrency kanye nemikhiqizo yayo eyahlukene, iStripe yaziwa ngenkundla yayo yokukhokha ku-inthanethi esebenziseka kalula kanye namathuluzi okukhokha athuthukile. Lezi zinkampani ziyaqhubeka nokubumba ikusasa lemisebenzi yezezimali futhi zidlala indima ebalulekile ekuthuthukeni kwesimo sezezimali emhlabeni jikelele.

Ngokuzibophezela kwabo emisha nasekuvikelekeni, uCoinbase noStripe bahlala behamba phambili kwezobuchwepheshe bezezimali, banikeza izixazululo eziyinkimbinkimbi ukuhlangabezana nezidingo eziguqukayo zamabhizinisi nabathengi esikhathini sedijithali.

Kuphelile !! Kodwa ukukushiya, nazi amathiphu namasu okudala nokukhula inkampani noma ibhizinisi lakho.

Sishiyele amazwana