Ukuthumela imali ngezwi nangama 'chatbots'

dinero

Ukuvela kobuchwepheshe obusha kunikeza izixazululo ezahlukahlukene zokukhokha ngamakhasimende asebhange. Ukusuka lapho bangenza khona umanyolo wabo, izinkokhelo zabathengi noma ubhekane nezinkokhelo zemisebenzi eyenziwa ezimakethe zezimali. Okudingekayo kuphela ukuhlomiswa ngamathuluzi adingekayo wokuhambisa lokhu kuhamba ku-akhawunti yamanje yabasebenzisi. Ngazo zonke izinhlobo zamadivayisi ezobuchwepheshe, kusuka kumaselula kuya kumadivayisi esizukulwane sakamuva.

Ukufeza lezi zinhloso ezifiselekayo, amabhange abe nezicelo ezahlukahlukene zobuchwepheshe ezinemiphumela emangalisayo. Ezimweni eziningi, imelwe ngeminikelo fintech yala maqembu ezezimali noma kumamodeli webhizinisi azimele. Ngenhloso ezimweni zombili, futhi lokho akuyona enye ngaphandle kokuqinisa, ngaphezu kwakho konke, ubuchwepheshe bezinsizakalo zebhange. Ukufika ezingeni lokuthi kuzoba nzima ngokwengeziwe ukwenza izinkokhelo ngemali ebonakalayo, njengoba kwenzeka okwamanje.

Enye yezicelo ezivame kakhulu yileso esihlobene nokukhokhwa kweselula futhi esinama-protagonists ahlukile. Enye yezinto ezisungulwe kakhulu ezinyangeni ezisanda kwedlula uhlelo lokuthumela imali ngezwi futhi oluzama ukuguqula indlela imikhuba yabathengi ngaphezu kokunye ukucatshangelwa. Kuzo zonke izimo, kunesici esivamile kuzo zonke lezi zinhlelo zokukhokha nokuthi imali ifinyelela ku-akhawunti yokuxhumana emaminithini ambalwa. Okuyinjongo yethu enkulu ngemuva kwakho konke.

Ithumela imali ngezwi

Kubasebenzisi be-iPhone, i-BBVA ingeze isici esisha: ukudluliswa kwemali ngomsizi wezwi likaSiri. Ukuze wenze lokhu, mane ukhombise igama lalowo oxhumana naye abafuna ukuthumela imali nenani nedivayisi ezokwenza umsebenzi ngokuphepha, ngaphandle kokuthola uhlelo lokusebenza lweselula lokubhanga. Le nsizakalo ibilokhu isebenza kusukela ezinyangeni zokugcina zonyaka odlule futhi kuzosho ushintsho olukhulu kule nsizakalo enikezwa izikhungo zezezimali.

Ukuze uthokozele le nsizakalo entsha, umsebenzisi we-iPhone kufanele alungiswe iminwe yakhe, kokubili ocingweni nakuhlelo lokusebenza lwesikhungo sezezimali, abe ngumsebenzisi we-Bizum futhi wenze kusebenze ukusetshenziswa kweSiri ebhange labo leselula, elingasebenza ku izilungiselelo zephrofayili. Ngakolunye uhlangothi, kuye kwasungulwa isilinganiso sokuphepha esingeziwe sokusebenza kwama-euro angaphezu kwama-20 womabili ekuthumeleni imali ngeChatbot noma nomsizi kaSiri. Endabeni ye-iPhone, umuntu o-oda ukusebenza kufanele akuqinisekise ngeminwe yabo noma ubuso (i-FaceID). Ukusebenza ngeChatbot, kufanele usebenzise ukhiye wokusebenza iklayenti elithola kuselula lapho likwenza.

Izicelo zemiyalezo

amanethiwekhi

Ngakolunye uhlangothi, kunezinye izinhlelo lapho izinkokhelo zingenziwa ngokusemthethweni ngokusemthethweni nangempumelelo. Isibonelo, ngezinhlelo zokusebenza ezenzelwe imilayezo futhi ezimele olunye ushintsho olubalulekile ekuqondeni ubudlelwane bamakhasimende nezwe lemali. Ngalo mqondo, kuyisu elisha elihloselwe, kuzo zombili Abasebenzisi be-iOS bathanda i-Android. Ngomshini ochazwe kahle, lapho abasebenzisi ngokwabo bazokwazi ukuthumela imali kusuka ezingxoxweni zezinhlelo zokusebenza zemiyalezo, ngesitayela se-Facebook Messenger noma iTelegram, phakathi kokunye okuhambisana kakhulu. Ngokusebenzisa i-chatbot ehlanganiswe nohlelo.

Olunye lwezinhlelo ezinikwe amandla ukufeza le nhloso futhi obekungacabangeki ezinyangeni ezimbalwa ezedlule ukuthumela imali ngqo kusuka kukhibhodi yezinhlelo zokusebenza ze-WhatsApp, Telegram, Hangouts noma Messenger. Lesi sixazululo sinenzuzo ngaphezu kwezinhlelo ezinezici ezifanayo ngoba akudingekile ukuvula uhlelo lokusebenza lwasebhange khukhwini. Ngakho-ke uhlelo olulula olusebenzisa abalamuli abambalwa ukufinyelela inhloso yalo ekwenzeni izinkokhelo zibe semthethweni.

Ukuhlonza okuthuthukile kwe-biometric

Vele, akuzona ukuphela kwezinhlelo ezinikwe amandla emakethe yasebhange ukwenza izinkokhelo ezijwayelekile zibe semthethweni, yizo ukuqedwa kwemali ebonakalayo nezinye izindlela ezinjengamakhadi wesikweletu noma asebhange. Ngezindlela ezinesibindi, kufaka phakathi lokho okubizwa ngokuthi yi-advanced biometric identification, okusetshenziswe ezinye izinhlangano zebhange ezweni lethu. Ngemiphumela engagculisa kakhulu izintshisekelo zamakhasimende asebhange. Ngale kokunye ukucatshangelwa kwezobuchwepheshe.

Ngokukhethekile, uhlelo lokuhlonza oluthuthukisiwe lwe-biometric ebelusebenza kusukela ekuqaleni konyaka, luvumela abasebenzisi ukuthi bazikhombe kuhlelo lwabo ngokusebenzisa ubuchwepheshe obuphambili kakhulu be-biometric, njengohlelo lokuqaphela ubuso. Ngakolunye uhlangothi, banethuba lokuzikhomba ebhange elihamba phambili lezinhlangano nge-iris. Kunoma ikuphi, kungaba yinto ebingabhekwa njengenganekwane yesayensi eminyakeni embalwa edlule, kepha iyiqiniso okwamanje. Yize umthelela wokuqaliswa kwawo phakathi kwabasebenzisi bezinsizakalo zebhange nezezezimali kusamele kuxazululwe.

Izinhlelo zokusebenza zabantu abangaboni

impumputhe

Kepha ubuchwepheshe bezobuchwepheshe abukhawulelwe ekunikezeni izixazululo ezisebenzayo kubasebenzisi banoma iyiphi insizakalo yasebhange. Uma kungenjalo, ngokuphambene nalokho, bayaqhubeka baze bafinyelele emkhakheni wabantu abangaboni. Ngoba empeleni, ezinye izinhlangano zebhange ezweni lethu sezethule izinhlelo ezintsha zeselula, ezitholakalela izinhlelo zokusebenza ze-iOS ne-Android, ezizovumela abantu abangaboni, abanokukhubazeka okuncane ngokomzimba noma kwengqondo zisebenza kuwo wonke ama-ATM asebhange.

Vele, leli thuluzi elisha lizoqondisa abantu abangaboni kahle kwi-ATM abazikhethele yona futhi kuzosiza ukukhishwa kwemali. Ngale ndlela, imigoqo abantu abangayithola lapho bephambi kwethuluzi lobuchwepheshe lalezi zici iyasuswa. Ngesidingo kuphela sokulanda uhlelo lokusebenza olwenziwe ukwanelisa lesi sidingo esivele sibonakale kuleli banga labantu. Ngaphezu kwabantu abangaboni, abantu abanokukhubazeka ngokomzimba noma okuncane kwengqondo noma asebekhulile nabo bangazuza kulobu buchwepheshe, abazizwa bephephe ngokwengeziwe lapho begcina imali endaweni ethembekile.

Ama-wallet kagesi?

Ezinye izinhlelo zobuchwepheshe ezakhiwe ezinyangeni ezedlule zithinta ezinye izidingo zabasebenzisi bamabhange. Leli yicala elithile lezinto ezibizwa ngokuthi wallets kagesi, ezinikeza uhla oluphelele lwezinto zokusebenza, kusuka ku- izibuyekezo ezisheshayo ngezindleko zokuthenga kuze kufike ukuhlengwa kwamaphoyinti okuthembeka ngesikhathi sangempela.

Umnikelo wakamuva kulolu hlelo lokukhokha olusha lususelwa kokunye ngaphandle kokufaka ukusebenza kwe- "Ukuqinisekiswa Kwendawo Yeselula". Lo msebenzi iqinisekisa iphuzu lapho iklayenti likulezo zikhathi futhi kungakusiza kakhulu ochungechungeni lwemisebenzi yasebhange, kufaka phakathi leyo ehlobene nokukhokhwa kwanoma yikuphi ukuhweba. Yize kuyisu elinegama elincane kunawo wonke emkhakheni lapho kusungulwa khona le ndlela entsha yezobuchwepheshe.

Izinkokhelo emisebenzini yokutshala imali

ukukhokha

Ezinye zalezi zinhlelo zokukhokha esikhulume ngazo zinezicelo ezahlukahlukene empilweni yansuku zonke. Enye yazo isuselwa ekwenziweni ngokusemthethweni kwezinkokhelo ezenziwe ekuthengweni nasekuthengisweni kwamasheya ezimakethe zezimali. Ngakho-ke, yenza lula futhi isize lolu hlobo lokusebenza ukuze zenziwe nganoma yisiphi isikhathi nokuthi yini ebaluleke kakhulu kunoma iyiphi indawo noma indawo. Lokhu kungenye yezinzuzo zayo ezinkulu kunezindlela zokukhokha zendabuko. Lokho, isivinini nokuvikeleka ngaphezu kokunye ukucatshangelwa.

Ekugcineni, kufanele kuqashelwe ukuthi lezi zinhlelo zingasungulwa eminyakeni embalwa yazo zonke izinhlobo zokusebenza ezimakethe zezezimali futhi ngandlela thile zenze ukusebenza kube ngaphezu kwakho konke okunye. Kufika ezingeni lokuthi uhlelo lobudlelwano phakathi kwezikhungo zezezimali namakhasimende abo luzoshintsha. Okubi kuphela ukuthi uzodinga i- inqubo yokufunda Kuze kube yilapho iklayenti lijwayela ukusebenza ngalezi zindlela esikhulume ngazo kule ndatshana. Lapho imininingwane ye-geolocation ekhishwe yidivayisi yeselula yeklayenti isetshenziswa ngisho nokuvuma ukuthengiselana abakwenza ngamakhadi abo asebhange lapho besohambweni.

Ngandlela thile, kuzosho ukushintshwa kwezindlela ezijwayelekile zokukhokha ezimelwe njengamanje, ngokwesibonelo ngamakhadi wesikweletu noma asebhange. Lapho kungenakunqatshelwa ukuthi ukonga okukhulu kwenziwa ekuphathweni nasekulondolozweni kwemali. Ngokukhululwa kwamakhomishini nezinye izindleko lolu hlobo lwemisebenzi olufaka ukuhlobana ngokuyisisekelo nemali.


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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.