UFintech: yini leyo

fintech yini

Uke wezwa nge Fintech? Kuyimboni ekhula ngokweqile futhi eba yinguquko ohlelweni lwezezimali uqobo.

Kepha kuhlanganisani uFintech? Isebenza kanjani? Yiziphi izinsizakalo enazo? Uma lo mqondo ungakucaceli futhi ufuna ukwazi konke ngawo, khona-ke sizokusiza ucacise imibono yakho.

Yini iFintech?

Yini iFintech?

IFintech empeleni igama elihlanganisiwe, livela emagameni amabili esiNgisini, Ezezimali Nobuchwepheshe, yingakho iFinTech. Kubhekiswa ezinkampanini zobuchwepheshe bezezimali ezisebenzisa indlela yazo yokusebenza nemibono yazo ukulungisa kabusha uhlelo lwezezimali ngenxa yobuchwepheshe obusha.

Ngamanye amagama, sikhuluma ngakho inkampani enikezela ngezinsizakalo zayo zezezimali ngendlela engcono kakhulu kumakhasimende ayo, esebenzisa ubuchwepheshe obusha. Ngale ndlela, azishiywanga nemikhawulo eyodwa kuphela, kepha zinikela ngezinsizakalo ezehlukene zezezimali ngasikhathi sinye ezisebenza ezimakethe eziningana.

Manje, uma lo mqondo uqale ukusebenza embonini yezezimali, iqiniso ukuthi belilokhu lihluka futhi manje aligcini ngokunikeza ngezinsizakalo zalo kulezi zinkampani, kodwa futhi nakwezinkampani ezincane, eziphakathi nendawo ezinkulu nakwezinye izimboni. Futhi ungabasiza kanjani? Yebo, isibonelo, ekuphatheni izimali zakho.

Isikhathi sokuqala lapho lo mqondo waqala ukwazi ngawe kwakungo-2008, ngenkathi inkinga yezimali idala ukuthi ama-balance sheet ama-SME ahlupheke kakhulu ngokubolekwa imali yasebhange, okwenza isimo singabekezeleleki kwabaningi. Ngo-2013, futhi ngemuva kokufunda isifundo senkinga, imboni yezezimali yaqala ukuguquka futhi, eminyakeni embalwa kamuva, ngo-2019, yahlanganiswa emakethe nezinsizakalo zezezimali ezihlanganisa ubuchwepheshe obusha bokusebenza nokunikeza izinsizakalo kumakhasimende.

Yimiphi imisebenzi iFintech enayo

Manje njengoba uqonda ukuthi igama elithi Fintech libhekisa kuphi, siyini, sifuna kwenze kucace kuwe ukuthi yimiphi imisebenzi ayinikezayo kumakhasimende ayo; okungukuthi, izinsizakalo lapho uqeqeshwa khona.

  • Lula izinqubo zokubhenka online, zokukhokha kanye nezokuthengiselana.
  • Ukwenza ngcono ukuphepha kwemininingwane yolwazi yezinkampani namabhizinisi kanye nokubhekana nokuphepha kwe-cyber.
  • Phatha izinqubo zezimali online
  • Thuthukisa izinsizakalo zezezimali ezihlobene nobuchwepheshe, njengedatha enkulu, i-blockchain, njll.
  • Phatha ama-cryptocurrensets nezinye izimpahla zedijithali.

Isebenza kumiphi imikhakha?

UFintech usebenza kumiphi imikhakha?

Kukho konke esesikutshele khona ngaphambili, kungenzeka ukuthi ungasho eminye imikhakha lapho kusebenza khona lezi zinhlobo zezinkampani. Kepha, ukwenza icace kuwe, lezo iFintech esivele zisebenza kuzo yilezi:

  • Imali ekhokhwayo. Ngomqondo wokuthi "iminikelo" enikezwayo ingenziwa online, akudingeki ukuthi ibe ngokomzimba.
  • IBlockchain.
  • Idatha enkulu.
  • Ukubhanga okuhambayo.
  • Imakethe yezimali.
  • Ukuhweba.
  • Izimalimboleko ze-P2P nomshuwalense.
  • ...

Ukuqamba igama izinkampani ezihlobene ne-fintech, singakucaphuna:

  • Etoro. Yinethiwekhi yokutshala imali kwezenhlalo, enikeza okuningi okuzokhulunywa ngakho, futhi enikeza abasebenzisi izinsizakalo zokuhweba nokufinyelela ezimakethe zomhlaba ukuhlangana nabanye abatshalizimali.
  • CommonBond. Okuhlobene nokubolekwa kwemali kwe-P2P kubafundi.
  • I-Indexa Capital. Yimenenja esebenza njenge-automation yokutshala imali.
  • UMooverang. Iziphesheli zezimali zomuntu siqu.
  • IBitnoyo. Kuyaziwa kahle kulabo abathenga futhi baphathe imali yabo ye-bitcoin.

Isebenza kanjani iFintech

Isebenza kanjani iFintech

Ukuqonda ngempela ukuthi i-fintech isebenza kanjani kulula kakhulu. Futhi ukuthi inkampani ilawulwa yileso simiso: ukwenziwa lula. Imayelana ne- unikeze amaklayenti imikhiqizo yezimali yedijithali nezinsizakalo ezilula ukuzisebenzisa, ezisebenzayo futhi ezingaba enembile. Phakathi kwazo kunezinqubo zebhange, ezezimali, ezomnotho noma ukuphathwa kwebhizinisi, noma ezezimali zomuntu siqu, ngendlela yokuthi ziyanelisa izidingo zamakhasimende, hhayi kuphela kwezokuphepha, kepha nasekubonakaleni nasekusebenzeni obala.

Kulokhu, zonke izinkampani ze-fintech zizogxila kwi-niche ethile. Okusho ukuthi, kuzoba khona abazinikele emabhange, abanye kwizimalimboleko, abanye ekutshalweni ...

Ngaphezu kwalokho, banezici ezimbili eziyinhloko: ubuchwepheshe kanye nekhasimende. Basebenza ngokunikela ngezinsizakalo zabo ngokwamanani, kepha bahlala begxile kwikhasimende, nakokuhlangenwe nakho komsebenzisi, okungukuthi, ukudala amathuluzi wabo okulula kakhulu ukuwasebenzisa nokuwaqonda, lapho bangathola khona konke abakudingayo abaseduze nokungabi nzima ukukwenza. thola.

Izinzuzo nokungalungi

Njengayo yonke into, i-fintech inezinto zayo ezinhle nezinto zayo ezingezinhle kangako. Endabeni yezinzuzo, akungabazeki ukuthi okunye okuhle kakhulu, kuHulumeni kanye nakumakhasimende, kungenzeka ukuthi kube nomkhondo wokunyakaza okwenziwayo, ngendlela yokuthi kungatholwa kungakanani ukuthengiselana okufikile noma lapho kuvele khona, kunika ukwenza izinto obala kanye nokuphepha.

Enye inzuzo yi kungenzeka ukuthi, kusuka kuselula, abasebenzisi banokufinyelela kuzinsizakalo zezezimali ukuthi ziyakudinga ngaleso sikhathi, noma ukuthi zifuna ukwazi.

Ukwehliswa kwezindleko zomsebenzi ngokuqinisekile kuyinzuzo enkulu. Lokhu akusho ukuthi azikho izindleko, njengoba kwenza ezinye izinsizakalo, kepha kaningi ziphansi kakhulu.

Ngakolunye uhlangothi, ububi obukhona bukhona futhi kube ngenye yezinkinga ezisadonsa namanje. Enye yezinto eziyinhloko ngukuthi ukungabi bikho kwemithetho kwamanye amazwe. Khumbula ukuthi eSpain ilawulwa nguMthetho 5/2015 kuPhromoshini Yezimali Zebhizinisi. Kodwa-ke, akhona amanye amazwe, ikakhulukazi iLatin America, angenawo umthethonqubo.

Ukuncintisana okunamandla, njengoba kuyibhizinisi elichumayo futhi izinkampani ze-fintech eziya ngokuya zingena emakethe, kusho ukuthi kunesidingo esikhulu sokufunwa okuthi, yize sikhula, kunganele kuzo zonke izinkampani.

El Asikalazi ikusasa le-fintech, Kepha uma sibheka ukuthi ubuchwepheshe buya buba bukhulu kakhulu ezimpilweni zethu zansuku zonke, kuyinto ejwayelekile ukucabanga ukuthi kuzoba nokuhambisana okwandayo.

Ngabe unokungabaza ngalomqondo? Sibuze futhi sizozama ukubacacisa.


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Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.