Ngaba uvile nge Fintech? Lushishino olukhula ngokuxhumaxhuma kwaye esiba yinguqu kwinkqubo yezemali uqobo.
Kodwa iquka ntoni iFintech? Ingaba isebenza kanjani? Zeziphi iinkonzo enazo? Ukuba le ngcamango ayicacanga kuwe kwaye ufuna ukwazi yonke into ngayo, siya kukunceda ucacise izimvo zakho.
Yintoni iFintech?
IFintech lilizwi elidityanisiweyo, livela kumagama amabini esiNgesi, ezezimali kunye neTekhnoloji, yiyo loo nto iFinTech. Ibhekisa kwiinkampani zetekhnoloji yezemali ezisebenzisa indlela yazo yokusebenza kunye nemibono yazo ukulungisa inkqubo yezemali enkosi kubuchwephesha obutsha.
Ngamanye amagama, sithetha ngayo Inkampani ethi inikezele ngeenkonzo zayo zezemali ngeyona ndlela ibhetele kubaxhasi bayo, isebenzisa ubuchwepheshe obutsha. Ngale ndlela, abashiywanga ngomda omnye kuphela, kodwa banikezela ngeenkonzo ezahlukeneyo zemali ngaxeshanye basebenza kwiimarike ezininzi.
Ngoku, ukuba olu luvo luqale ukusebenza kumzi mveliso wezezimali, inyani kukuba ibiyinto eyahlukileyo kwaye ngoku ayiboneleli ngeenkonzo zayo kwezi nkampani, kodwa nakwinkampani ezincinci, eziphakathi nezikhulu kwamanye amashishini. Ungabanceda njani? Ewe, umzekelo, ekulawuleni iimali zakho.
Ixesha lokuqala lokuba le ngcinga iqale ukwazi ukuba ukhona ngo-2008, xa ingxaki yemali yabangela ukuba ama-balance sheet ee-SMEs ahlupheke ngokuxhomekeka kakhulu kwimali mboleko yebhanki, eyenze ukuba imeko ingalawuleki kwabaninzi. Ngo-2013, ndakuba ndifunde isifundo sobunzima, ishishini lezemali laqala ukutshintsha kwaye, kwiminyaka embalwa kamva, ngo-2019, lahlanganiswa emarikeni kunye neenkonzo zezemali ezidibanisa itekhnoloji entsha ukuze isebenze kwaye inike iinkonzo kubathengi.
Yeyiphi imisebenzi eyenziwa yiFintech
Ngoku ukuba uyayiqonda into ebhekiswa kuyo nguFintech, yintoni, sifuna yona yenze icace kuwe ukuba yeyiphi na imisebenzi ebonelela kubathengi bayo; Oko kukuthi, iinkonzo eziqeqeshwe kuzo.
- Ulungelelwaniso lweebhanki kwi-Intanethi, intlawulo kunye neenkqubo zokuthengiselana.
- Ukuphucula ukhuseleko koovimba beenkampani kunye namashishini kunye nokujongana nokhuseleko lwe-cyber.
- Ukulawula iinkqubo zemali kwi-intanethi
- Ukuphuhlisa iinkonzo zezezimali ezinxulumene netekhnoloji, ezinje ngedatha enkulu, ibhlokhi, njl.
- Lawula ii-cryptocurrensets kunye nezinye iiasethi zedijithali.
Ngawaphi amacandelo asebenzayo?
Kuko konke esikhe sikuxelele kona, kunokwenzeka ukuba ungakhankanya amanye amacandelo apho ezi ntlobo zeenkampani zisebenza khona. Kodwa, ukuze icace kuwe, ezo sele zisebenza iFintech zezi:
- Inkxaso mali. Ngengqiqo yokuba "iminikelo" enikiweyo inokwenziwa kwi-intanethi, akufuneki ibekho ngokwasemzimbeni.
- Ibhlokhi.
- Idatha enkulu.
- Ukubhankisha okuhambayo.
- Imakethi yemali.
- Ukurhweba.
- Iimali-mboleko ze-P2P kunye ne-inshurensi.
- ...
Ukuthiya iinkampani ezinxulumene nefintech, sinokukucaphula:
- Etoro. Yinethiwekhi yotyalo-mali kwezentlalo, enika okuninzi ukuba uthethe ngayo, kwaye enikezela abasebenzisi ngeenkonzo zokurhweba kunye nokufikelela kwiimarike zehlabathi apho badibana nabanye abatyali mali.
- I-CommonBond. Inxulumene nemali mboleko yeP2P kubafundi.
- Inkulu yaseIndiya. Ngumphathi osebenza njenge-automation yotyalo-mali.
- Mooverang. Ukujongana nezemali zakho.
- IBitnoyo. Kuyaziwa kakhulu kwabo bathenga nokulawula iimali zabo ze-bitcoin.
Isebenza njani iFintech
Ukuyiqonda ngokwenyani indlela fintech isebenza ngayo kulula kakhulu. Kwaye kukuba inkampani ilawulwa ngulo mgaqo: lula. Imalunga ne bonelela abathengi ngeemveliso zedijithali zezezimali kunye neenkonzo ezilula ukuzisebenzisa, ezinokubakho kwaye zinokubonakala zinomdla. Phakathi kwazo kukho iinkqubo zebhanki, ezobalo, ezoqoqosho okanye ezolawulo lweshishini, okanye ezemali, ngendlela eya kuthi ikwanelise iimfuno zabaxumi, kungekuphela kukhuseleko, kodwa nasekuhleni nasekuhleni.
Kule meko, zonke iinkampani ze-fintech ziya kugxila kwi-niche ethile. Oko kukuthi, kuya kubakho abathile abazinikele ebhankini, abanye kwimali mboleko, abanye kutyalo-mali ...
Ukongeza, baneempawu ezimbini eziphambili: itekhnoloji kunye nomthengi. Basebenza ngokunikezela ngeenkonzo zabo ngokwamanani, kodwa bahlala begxile kumthengi, nakumava omsebenzisi, oko kukuthi, ukudala izixhobo kubo kulula kakhulu ukuzisebenzisa nokuziqonda, apho banokuba nakho konke abakudingayo kwaye kungabinzima fumanisa.
Izinto eziluncedo nezingalunganga
Njengayo yonke into, i-fintech inezinto zayo ezilungileyo kwaye ayizizo izinto ezintle. Kwimeko yezibonelelo, akukho mathandabuzo ukuba enye yezona zinto zibalaseleyo, kuRhulumente nakwabaxhasi, kukukwazi ukuba nomkhondo weentshukumo ezenziweyo, ngendlela enokuthi ifumaneke ufike kangakanani kwintengiselwano okanye uvela phi, unika elubala nokhuseleko.
Olunye uncedo kukuba kunokwenzeka ukuba, kwiselfowuni, abasebenzisi banokufikelela kwiinkonzo zezemali ukuba bayayidinga ngalamzuzu, okanye bafuna ukwazi.
Ukuncitshiswa kweendleko zentengiselwano ngokuqinisekileyo kuyinzuzo ebalulekileyo. Oku akuthethi ukuba akukho ndleko, njengoko ezinye iinkonzo zisenza, kodwa zihlala ziphantsi kakhulu.
Kwelinye icala, izinto ezingalunganga zikhona kwaye ibeyeyeyeyona ngxaki isatsalayo. Enye yezona ziphambili yile ukunqongophala kommiselo kwamanye amazwe. Gcina ukhumbula ukuba eSpain ilawulwa nguMthetho 5/2015 kuKhuthazo lweNkxaso-mali yeShishini. Nangona kunjalo, akhona amanye amazwe, ngakumbi i-Latin America, angenawo umgaqo.
Ukhuphiswano olomeleleyo, kuba lishishini eliqhubela phambili kwaye iinkampani ezininzi ze-fintech zingena kwintengiso, oko kuthetha ukuba kukho ubonelelo olukhulu lwesidingo, nangona sikhula, asonelanga kuzo zonke iinkampani.
El Okwangoku asilazi ikamva le-fintech, Kodwa ukuba sithathela ingqalelo ukuba itekhnoloji iya isiba ngakumbi nangakumbi kubomi bethu bemihla ngemihla, kuyinto eqhelekileyo ukucinga ukuba iya kuba nokubaluleka okwandayo.
Ngaba unawo nawaphi na amathandabuzo malunga nale mbono? Sibuze kwaye siza kuzama ukubacacisa.