Kutumira mari nezwi uye ne 'chatbots'

raha

Iko kubuda kwehunyanzvi hutsva kuri kupa mhinduro dzakasiyana dzekubhadhara nevatengi vebhangi. Kubva kwavanogona kugadzira mafetiraiza avo, vatengi kubhadhara kana kutotarisana nekubhadharwa kwemabasa anoitwa mumisika yemari. Chinodiwa chete ndechekushongedzerwa nematurusi akakosha ekumhanyisa mafambiro aya muakaunzi yazvino yevashandisi. Kuburikidza nemhando dzese dzehunyanzvi zvigadzirwa, kubva parunhare kuenda kune echizvino chizvarwa zvigadzirwa.

Kuti zvibudirire izvi zvinangwa zvinodikanwa, mabhanga anga aine akasiyana siyana ekushandisa kwetekinoroji nemhedzisiro inoshamisa. Kazhinji, zvinomiririrwa nemipiro fintech yemapoka ezvemari kana kubva kune yakazvimirira mabhizimusi mamodheru. Ine chinangwa mune ese ari maviri kesi, uye izvo hazvisi zvimwe kunze kwekusimbisa, pamusoro pezvose, matekinoroji mumabhangi masevhisi. Kusvika pakuti zvicharamba zvichinetsa kubhadhara nemari yepanyama, sezvazviri panguva ino.

Imwe yemashandisirwo akajairika ndeye iyo ine chekuita neyekubhadhara mbozhanhare uye ine akasiyana protagonists. Chimwe chezvinhu zvine hunyanzvi izvo zvakagadzirwa mumwedzi yapfuura ndiyo sisitimu yekutumira mari kuburikidza nezwi uye inoedza kugadzirisa iyo tsika dzevatengi pamusoro pezvimwe kufunga. Muzviitiko zvese, pane yakajairika dhinomineta mune ese maipi ekubhadhara masisitimu uye ndiko kuti mari inosvika kuakaundi account mumaminetsi mashoma. Ndicho chinangwa chedu chikuru mushure mezvose.

Kutumira mari kuburikidza nezwi

Kune vashandisi ve iPhone, BBVA yakawedzera chinhu chitsva: kuwedzerwa kwemari kuburikidza neSiri izwi mubatsiri. Kuti uite izvi, ingo taura zita rekutaurirana kwaari wavanoda kutumira mari uye huwandu uye chishandiso chinozotarisira mashandiro acho zvakachengeteka, pasina kuwana iyo nhare mbozha app. Iri sevhisi ravepo kubva mwedzi yekupedzisira yegore rapfuura uye zvinoreva shanduko huru muiri basa rinopihwa nemasangano emari.

Kugona kunakirwa nebasa idzva iri, mushandisi we iPhone anofanirwa kuve nezvigunwe zvemunwe, zvese parunhare uye muchirongwa chezvemari, ave mushandisi weBizum uye akaita kuti Siri ishandiswe kubhengi ravo renhare, iro rinogona kuita yako mbiri marongero. Kune rimwe divi, imwe yekuwedzera chiyero chengetedzo yakagadzwa zvakare yekushanda kweanopfuura makumi mairi euros mukutumira mari kuburikidza neChatbot kana naSiri mubatsiri. Panyaya ye iPhone, munhu anorayira mashandiro anofanira kuisimbisa neminwe yavo kana kumeso (FaceID). Kune mashandiro kuburikidza neChatbot, iwe unofanirwa kushandisa kiyi yekushandisa iyo iyo mutengi inogamuchira pane nhare kana vachizviita.

Kutumira mameseji

mitambo

Kune rimwe divi, kune mamwe masisitimu uko kubhadhara kunogona kuitiswa zviri pamutemo nekukurumidza. Semuenzaniso, kuburikidza nemaapplication akagadzirwa ekutumira mameseji uye anomiririra imwe shanduko yakakosha pakunzwisisa hukama hwevatengi nenyika yemari. Mupfungwa iyi, iri zano rekuvandudza iro rakanangwa, zvese zviri zviviri Vashandisi veIOS senge Android. Nemaitiro akanyatso tsanangurwa, uko vashandisi pachavo vachakwanisa kutumira mari kubva kumachats ekushandisa mameseji, muchimiro cheFacebook Messenger kana Teregiramu, pakati pezvimwe zvakakosha. Kubudikidza ne chatbot iyo inosanganisirwa mukushandisa.

Imwe yemaitiro akagoneswa kuzadzisa ichi chinangwa uye izvo zvaive zvisinga fungidzike mwedzi mishoma yapfuura ndeyekutumira mari yakanangana kubva kune iyo keyboard yeiyo WhatsApp, Teregiramu, Hangouts kana Messenger zvinoshandiswa Iyi mhinduro ine mukana pamusoro pemasisitimu ane hunhu hwakafanana mukuti hazvidi kuti uzarure iyo bank application kubva parunhare mbozha. Iyo saka iri nyore sisitimu iyo inoshandisa vashoma vapindiri kusvika pachinangwa chayo mukugadzika kwemabhadhariro.

Yepamberi biometric kuzivikanwa

Ehezve, havazi ivo chete masisitimu akagoneswa mumusika webhangi kuti vagadzikise izvo zvakajairwa kubhadhara, ivo ndivo kubvisa mari yemuviri uye dzimwe nzira senge makadhi echikwereti kana echikwereti. Iine nzira dzakashinga, kusanganisira izvo zvinodaidzwa zvemberi biometric chitupa, icho chakaitwa nemamwe mabhangi masangano munyika medu. Nemhedzisiro inogona kuve inogutsa zvakanyanya kune izvo zvinodiwa nevatengi vemabhangi. Beyond kumwe kufunga kwehunyanzvi.

Kunyanya, iyo yepamusoro biometric chitupa sisitimu iyo yanga ichishanda kubvira kutanga kwegore, inobvumira vashandisi kuti vazvizivise ivo pachavo mune yavo app kuburikidza ne akanyanya epamusoro biometric matekinoroji, senge kuzivikanwa kwechiso system. Kune rimwe divi, ivo zvakare vane mukana wekuzvizivisa ivo pachavo mune yekufambisa kubhengi yezvinhu kuburikidza neiyo iris. Chero zvazvingaitika, chingave chinhu chingafungidzirwe sesainzi makore mashoma apfuura, asi chiri chechokwadi panguva yacho. Kunyangwe mhedzisiro yekuitwa kwayo pakati pevashandisi vemabhengi neyemari masevhisi ichiri kugadziriswa.

Zvirongwa zvevanhu mapofu

bofu

Asi hunyanzvi hwetekinoroji hauna kuganhurirwa pakupa mhinduro dzinoshanda kune vashandisi vechero basa rebhangi. Kana zvisina kudaro, pane zvinopesana, ivo vanoenda kumberi uye vanosvika kune chikamu chevanhu mapofu. Nekuti zvirizvo, mamwe masangano emabhengi munyika medu akatanga zvirongwa zvitsva zvemafoni, zviripo zveIOS uye Android masisitimu anoshanda, ayo anotendera mapofu, nehurema hwepanyama kana hwepfungwa. inoshanda mumaATM ese ebhangi.

Ehezve, chishandiso ichi chitsva chinotungamira vanhu vasingaone zvakanaka kuATM yesarudzo yavo uye ichaita kuti mari ibviswe. Kwako nenzira iyi, zvipingaidzo izvo vanhu ava zvavanogona kuwana kana vari pamberi pechigadzirwa chehunyanzvi zvehunhu izvi zvinobviswa. Nechinodiwa chega chekutora chikumbiro chakagadzirwa kuzadzikisa chishuwo ichi chiri pachena mukirasi iyi yevanhu. Pamusoro pevanhu vasingaone, vanhu vakaremara mumuviri kana munyoro kana vakwegura vanogona zvakare kubatsirwa neiyi tekinoroji, vanonzwa kuchengetedzeka kugona kuchengetedza mari munzvimbo inovimbwa.

Magetsi wallets?

Mamwe matekinoroji masisitimu akagadzirwa mumwedzi yapfuura anokanganisa zvimwe zvido zvevashandisi vebhangi. Iyi ndiyo chaiyo nyaya yeaya anonzi emagetsi wallets, ayo anopa yakakwana huwandu hweanoshanda, kubva izvozvi zvinowedzeredzwa pamitengo yekutenga kusvika pakudzikunurwa kwemapoinzi ekuvimbika munguva chaiyo.

Mupiro wazvino uno kune ino nyowani yekubhadhara system inoenderana nechinhu chidiki pane kubatanidza iyo "Nhare Yekusimbisa Nzvimbo" kushanda. Iri basa inosimbisa poindi apo mutengi ari panguva idzodzo uye zvinogona kubatsira zvakanyanya kwauri kune akateedzana mashandiro emabhangi, kusanganisira zvekare iwo ane chekuita nekubhadharwa kwechero basa rekutengesa. Kunyangwe iri zano rine diki diki muchikamu uko ino nyowani-ye-iyo-tekinoroji modhi iri kunyanya kugadziridzwa.

Kubhadhara mukudyara mashandiro

kubhadhara

Dzimwe dzenzira dzekubhadhara idzi dzatataura nezvadzo dzine mashandisiro akasiyana muhupenyu hwezuva nezuva. Imwe yacho inoenderana nekugadziriswa kwemitero inoitwa mukutenga nekutengesa masheya mumisika yemari. Saka, inorerutsa uye inofambisa iyi mhando yekushanda kuitira kuti zvigone kuitiswa chero nguva uye chii chakakosha kubva kunzvimbo ipi neipi kana nzvimbo. Ichi ndicho chimwe cheakanakira kwazvo pamusoro petsika nzira dzekubhadhara. Ndokunge, kumhanyisa uye chengetedzo pamusoro pezvimwe kufunga.

Chekupedzisira, zvinofanirwa kucherechedzwa kuti masisitimu aya anogona kuvambwa mumakore akati wandei kune ese marudzi emabasa mumisika yezvemari uye neimwe nzira kufambisa mashandiro pamusoro pezvose. Kusvika padanho rekuti hukama hwehukama pakati pemasangano emari nevatengi vavo hwave kuzochinja. Nechakadzika chete icho chauchazoda a maitiro ekudzidza kudzamara mutengi ajaira kushanda nenzira idzi dzatataura nezvadzo muchinyorwa chino. Iko ruzivo rwe geolocation rwakapihwa nefoni yemutengi rwunotoshandiswazve kubvumidza kutengeserana kwavanoita nemakadhi avo ekubhengi pavanenge vachifamba.

Neimwe nzira, izvi zvinoreva kutsiviwa kwenzira dzekubhadhara dzakanyanya kumiririrwa parizvino, semuenzaniso nemakadhi echikwereti kana echikwereti. Iko isingakwanise kutarisirwa kunze kuti mari hombe inogadzirwa mukutungamira nekuchengetedza kwemari. Nekuregererwa kwemakomisheni uye nezvimwe zvinoshandiswa izvo zvorudzi urwu rwekushanda zvinosanganisira kuti zvine chekuita nemari.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako