Ukuvela kwetekhnoloji entsha kunika izisombululo ezahlukeneyo zentlawulo ngabathengi bebhanki. Ukusuka apho banokwenza khona izichumisi, iintlawulo zabathengi okanye ujongane nokuhlawulwa kwemisebenzi eyenziweyo kwiimarike zezabelo. Ekuphela kwemfuno kukuxhotyiswa ngezixhobo eziyimfuneko ukuhambisa ezi ntshukumo kwiakhawunti yangoku yabasebenzisi. Ngazo zonke iintlobo zezixhobo zetekhnoloji, ukusukela kwiifowuni eziphathwayo ukuya kwizixhobo zokuvelisa zakutshanje.
Ukufezekisa ezi njongo zifunwayo, iibhanki zinoluhlu olubanzi lwezicelo zetekhnoloji ezineziphumo ezimangalisayo. Kwiimeko ezininzi, imelwe yiminikelo fintech yala maqela ezezimali okanye kwiimodeli zeshishini ezizimeleyo. Ngenjongo kuwo omabini la matyala, kwaye ayisiyonto ngaphandle kokuqinisa, ngaphezu kwako konke, itekhnoloji yeenkonzo zebhanki. Ukuza kuthi ga kwinqanaba lokuba kuya kusiba nzima ukwenza intlawulo ngemali ebonakalayo, njengoko isenzeka ngalo mzuzu.
Esinye sezona zicelo ziqhelekileyo seso sinento yokwenza neentlawulo ezihambayo kwaye banee-protagonists ezahlukeneyo. Enye yezinto ezinomdla kakhulu esele ziphuhlisiwe kwiinyanga ezidlulileyo yinkqubo yokuthumela imali ngelizwi kwaye izama ukuyiguqula imikhwa yabathengi ngaphezulu kwezinye izinto eziqwalaselweyo. Kuzo zonke iimeko, kukho ukubonwa ngokufanayo kuzo zonke ezi nkqubo zentlawulo kwaye leyo kukuba imali ifikelela kwiakhawunti yoqhakamshelwano ngemizuzu embalwa. Yeyiphi injongo yethu ephambili emva kwayo yonke loo nto.
Ukuthumela imali ngelizwi
Abasebenzisi be-iPhone, i-BBVA yongeze into entsha: ukuhanjiswa kwemali ngomncedisi welizwi likaSiri. Ukwenza oku, bonisa nje igama lomfowunelwa abafuna ukuthumela imali kunye nesixa kunye nesixhobo esi esiya kuthi sikhathalele umsebenzi ngokukhuselekileyo, ngaphandle kokufikelela usetyenziso lwebhanki oluselfowuni. Le nkonzo ibihleli ukusukela kwiinyanga ezidlulileyo kulo nyaka uphelileyo kwaye iyakuthetha utshintsho olukhulu kule nkonzo ibonelelwa ngamaziko emali.
Ukuze ube nakho ukonwabela le nkonzo intsha, umsebenzisi we-iPhone kufuneka ayilungiselele iminwe, zombini kwifowuni nakwinkqubo yeziko lezemali, abe ngumsebenzisi we-Bizum kwaye wenze ukuba kusebenze iSiri kwibhanki yabo ephathekayo, enokuthi yenziwe useto lweprofayile yakho. Kwelinye icala, inyathelo lokongezwa elongezelelweyo sele limiselwe ukusebenza ngaphezulu kwe-20 euro zombini ekuthumeleni imali ngeChatbot okanye nomncedisi kaSiri. Kwimeko ye-iPhone, umntu oyalela ukuba asebenze kufuneka aqinisekise ngeminwe okanye ubuso (i-FaceID). Ukusebenza ngeChatbot, kuya kufuneka usebenzise isitshixo sokusebenza esikhutshwa ngumthengi kwiselfowuni xa besenza.
Izicelo zemiyalezo
Kwelinye icala, kukho ezinye iinkqubo apho iintlawulo zinokwenziwa ngokusesikweni nangokufanelekileyo. Umzekelo, ngokusetyenziswa kwezicelo zemiyalezo kwaye zimele olunye utshintsho olubalulekileyo ekuqondeni ubudlelwane phakathi kwabathengi nehlabathi lemali. Ngale ndlela, sisicwangciso esiliqhinga esijolise kubo bobabini Abasebenzisi be-iOS bathanda i-Android. Ngendlela echazwe kakuhle, apho abasebenzisi ngokwabo banokuthumela imali kwiincoko zokufaka imiyalezo, kwisitayile seFacebook Messenger okanye iTelegram, phakathi kwezinye zezona zibalulekileyo. Ngokusebenzisa incoko edityanisiweyo kwisicelo.
Enye yeenkqubo ezenziweyo ukufezekisa le njongo kwaye ibingacingeki kwiinyanga nje ezimbalwa ezidlulileyo ukuthumela imali ngokuthe ngqo kwikhibhodi yeWhatsApp, iTelegram, iiHangouts okanye ii-Messenger. Esi sisombululo sinoncedo ngaphezu kweenkqubo ezineempawu ezifanayo kuba akukho mfuneko yokuvula isicelo sebhanki Kwiselfowuni. Yinkqubo elula ke ngoko esebenzisa abalamli abambalwa ukufikelela kwiinjongo zayo xa kusenziwa iintlawulo ngokusesikweni.
Ukuchongwa okuphezulu kwebhayometri
Ewe kunjalo, ayizizo kuphela iinkqubo ezenziweyo kwintengiso yebhanki ukwenza intlawulo yesiqhelo, zezi Ukupheliswa kwemali ebonakalayo kunye nezinye iindlela ezinje ngamakhadi etyala okanye okuthenga ngetyala. Ngeendlela ezingqindilili, kubandakanya oko kubizwa ngokuba kukuchongwa kwe-biometric okuqhubela phambili, okuphunyezwe ngamanye amaziko asebhanki kwilizwe lethu. Ngeziphumo ezinokwanelisa ngakumbi ngakumbi kwimidla yabathengi bebhanki. Ngaphandle kwezinye izinto zobugcisa.
Ngokukodwa, inkqubo yokuchongwa kwebhayometri eqhubayo ebiqala ukusebenza ukusukela ekuqaleni konyaka, ivumela abasebenzisi ukuba bazichonge kwi-app yabo uninzi lweetekhnoloji zebhayometri, njengenkqubo yokwamkelwa kobuso. Kwelinye icala, banethuba lokuzichaza kwiibhanki ezihambayo ezihamba nge-iris. Ngayiphi na imeko, iya kuba yinto enokuqwalaselwa njengeyinyani kwiminyaka embalwa edlulileyo, kodwa iyinyani ngokupheleleyo ngalo mzuzu. Nangona isiphumo sokuphunyezwa kwayo phakathi kwabasebenzisi beenkonzo zebhanki kunye nezezezimali sisafuna ukusonjululwa.
Ii -apps zabantu abangaboniyo
Kodwa ubuchwephesha betekhnoloji abuphelelanga ekunikezeleni ngezisombululo ezisebenzayo kubasebenzisi bayo nayiphi na inkonzo yebhanki. Ukuba akunjalo, ngokuchaseneyo, baya phambili baze bafikelele kwicandelo labantu abangaboniyo. Kuba, enyanisweni, ezinye izinto zebhanki kwilizwe lethu zisungule izicelo ezintsha zeselfowuni, ezifumanekayo kwiinkqubo zokusebenza ze-iOS kunye ne-Android, eziya kuthi zivumele abantu abangaboniyo, benesiphene emzimbeni okanye ngokwasengqondweni. zisebenza kuzo zonke iiATM zebhanki.
Ewe kunjalo, esi sixhobo sitsha siza kukhokela abantu abangaboni kakuhle kwii-ATM abazikhethele zona iya kuququzelela ukurhoxiswa kwemali. Ngale ndlela, imiqobo abanokuyifumana aba bantu xa bephambi kwesixhobo setekhnoloji yezi mpawu ziyasuswa. Ngemfuno kuphela yokukhuphela usetyenziso oluye lwaphuhliswa ukuhlangabezana nale mfuno ebonakalayo kule klasi yabantu. Ukongeza kubantu abangaboniyo, abantu abakhubazeke ngokwasemzimbeni okanye abanobulali okanye abantu abadala banokuxhamla kobu buchwephesha, baziva bekhuseleke ngakumbi xa bekwazi ukugcina imali kwindawo ethembekileyo.
Iwalethi zombane?
Ezinye iinkqubo zobuchwephesha eziye zaphuhliswa kwiinyanga ezidlulileyo zichaphazela ezinye iimfuno zabasebenzisi beebhanki. Le yimeko ekhethekileyo yezinto ezibizwa ngokuba zizipaji zombane kwaye zibonelela ngoluhlu olupheleleyo lwezinto zokusebenza, ukusuka uhlaziyo kwangoko kwiintlawulo zokuthenga ukuya kwintlawulelo yamanqaku okunyaniseka ngexesha lokwenyani.
Igalelo lakutshanje kule nkqubo yokuhlawula intsha ayisekelwanga kwinto engaphantsi kokubandakanya ukusebenza kwe "Indawo yokuQinisekiswa kweNgingqi". Lo msebenzi iqinisekisa indawo apho umthengi akhoyo kuloo mizuzu kwaye kunokuba luncedo olukhulu kuwe kuthotho lweebhanki, kubandakanya kunjalo ezo zinxulumene nentlawulo yayo nayiphi na intengiso. Nangona sisicwangciso esineyona nkangeleko incinci kwicandelo apho le modeli intsha yetekhnoloji yakutshanje iphuhliswa ikakhulu.
Iintlawulo kwimisebenzi yotyalo-mali
Ezinye zeenkqubo zokuhlawula esithethile ngazo zinezicelo ezahlukeneyo kubomi bemihla ngemihla. Enye yazo isekwe kulwabiwo-mali olwenziwe ngokusemthethweni ekuthengweni nasekuthengisweni kwezabelo kwiimarike zezabelo. Ke, yenza lula kwaye iququzelele olu hlobo lokusebenza ukuze zenziwe nanini na kwaye yintoni ebaluleke nangakumbi nakweyiphi na indawo okanye indawo. Le yenye yeenzuzo zayo ezinkulu ngaphezulu kwendlela yokuhlawula ngokwesiko. Oko kukuthi, isantya kunye nokhuseleko ngaphezulu kwezinye izinto eziqwalaselweyo.
Okokugqibela, kufanele ukuba kuqatshelwe ukuba ezi nkqubo zinokusekwa kwiminyaka embalwa kuzo zonke iintlobo zokusebenza kwiimarike zezemali kwaye ngendlela ethile iququzelela ukusebenza ngaphezulu kwayo yonke enye into. Ukuza kuthi ga kwinqanaba lokuba inkqubo yobudlelwane phakathi kwamaziko emali nabaxumi bayo izakutshintsha. Icala elisezantsi kuphela kukuba uya kudinga i- inkqubo yokufunda de umthengi aqhele ukusebenza kwezi ndlela sithethe ngazo kweli nqaku. Apho ulwazi lwe-geolocation olukhutshwe sisixhobo esiphathwayo somthengi lusetyenziswa ukwamkela ukuthengiselana abakwenzayo namakhadi abo ebhanki xa beseluhambeni.
Ngandlela-thile, iya kubandakanya ukutshintshwa kweendlela eziqhelekileyo zokuhlawula ezimelwe ngoku, umzekelo ngekhadi letyala okanye ledebhithi. Apho kungenakugwetywa ngaphandle ukuba ugcino olukhulu lwenziwa kulawulo nasekugcinweni kwemali. Ngokukhululwa kweekhomishini kunye nezinye iindleko ezibandakanya ukusetyenziswa kolwakhiwo kwimali.