Inshuwaransi yaumoyo ya blockchain: Kuthana ndi zovuta pakuwongolera deta

• Author:
• Dzina la wolemba

  Quantumrun Foresight
• November 21, 2023

Chidule cha chidziwitso

Makampani a inshuwaransi yazaumoyo ndi moyo akuyang'ana kwambiri ukadaulo wa blockchain ngati chida chosinthira pakugawana zotetezedwa, kuchepetsa chiopsezo, komanso magwiridwe antchito. Kuvomerezedwa ndi matupi ngati IEEE chifukwa cha kuthekera kwake pazaumoyo, blockchain imatha kuchepetsa chinyengo ndikuchepetsa kwambiri ndalama. Deloitte akuwonetsa ma inshuwaransi kuti akhazikitse ndalama pokonzekera bwino ndikufunafuna maukadaulo apadera kuti akwaniritse. Makamaka, blockchain imatha kulimbikitsa mabizinesi atsopano okhudza makasitomala, kuwongolera njira zodzinenera kudzera m'makontrakitala anzeru, ndikuthandizira kugwirizanirana pamapulatifomu. Komabe, kuti agwiritse ntchito mphamvu zake zonse, ma inshuwaransi amayeneranso kuphatikiza ma analytics apamwamba, AI, ndi IoT, kwinaku akuganizira za mgwirizano ndi chitukuko.

Blockchain inshuwaransi yaumoyo

Blockchain imatsimikizira kugawana deta yotetezeka komanso yodalirika m'madera osiyanasiyana, kuphatikizapo chuma, kasamalidwe kazinthu, makampani a chakudya, mphamvu, maphunziro, intaneti ya Zinthu (IoT), ndi zaumoyo. M'makampani azachipatala, kulinganiza chisamaliro cha odwala ndi zinsinsi, kupezeka, komanso kumvetsetsa kwabweretsa vuto lalikulu. 

Malinga ndi Institute of Electrical and Electronics Engineers (IEEE), chifukwa cha kukhudzidwa kwachindunji kwa chisamaliro chaumoyo pa miyoyo ya anthu, ndi imodzi mwa minda yoyamba kumene blockchain yakhazikitsidwa. Poyankha osati kungoyang'anira deta pakati pa okhudzidwa osiyanasiyana komanso kuchepetsa chinyengo ndi kupatsa mphamvu odwala, blockchain ikhoza kupulumutsa mamiliyoni a madola pamitengo yachipatala. Komabe, ma inshuwaransi ayenera kutenga nthawi kuti aphunzire momwe blockchain ingathandizire bwino ntchito zawo.

Kampani ya upangiri ya Deloitte ikuwonetsa kuti ma inshuwaransi amachita nawo mapulani aukadaulo, kuyesa, komanso kukulitsa malingaliro. Njirayi idzapindula bwino pa kuthekera kwa blockchain popanga zinthu ndi ntchito za m'badwo wotsatira zomwe zimalimbikitsa maubwenzi ambiri ndi omwe ali ndi malamulo. Poganizira za kuthekera kwa ogwira ntchito komanso zovuta zaukadaulo m'madipatimenti omwe alipo kale a IT, ma inshuwaransi angafunikire kuzindikira ndikuyika ndalama kwa anzawo aukadaulo omwe amagwira ntchito pa blockchain kuti akwaniritse mfundozi.

Zosokoneza

Kafukufuku wa Deloitte wa momwe blockchain angapindulire ma inshuwaransi azaumoyo adawulula kuti ukadaulo uwu ukhoza kusintha zomwe kasitomala amakumana nazo popereka malingaliro adongosolo ndikuwonjezera magwiridwe antchito. Mitundu yatsopano yamabizinesi ndi njira ndizofunikira kuti zikwaniritse zofuna zamakasitomala zantchito zawo, chitetezo cholimba chachinsinsi, zinthu zatsopano, kukwera mtengo, komanso mitengo yampikisano. Blockchain ikhoza kuloleza kusonkhanitsa zolemba zokha zokhudzana ndi mapangano, zochitika, ndi ma seti ena amtengo wapatali. Zolemba izi zitha kulumikizidwa pamodzi ndikukonzedwa kudzera mu makontrakitala anzeru.

Kugwirizana ndi chinthu china chomwe chimapangitsa blockchain kukhala yokongola kwa ma inshuwaransi azaumoyo. Kutetezedwa kwaukadaulo komanso kuthekera kokhazikitsa chikhulupiliro pakati pa mabungwe osiyanasiyana kumapangitsa kukhala koyenera kugwiritsa ntchito pamapulatifomu osiyanasiyana. Komabe, makampani a inshuwaransi yazaumoyo akuyeneranso kuchitapo kanthu kuti agwirizane ndi mabungwe akuluakulu azaumoyo kuti awonetsetse kuti pamakhala miyezo ya blockchain-based data repositories. 

Kuzindikira zachinyengo ndichinthu chofunikira kwambiri cha blockchain. Mapangano anzeru angathandize kutsimikizira zowona zomwe zatumizidwa kwa amoyo kapena ma inshuwaransi azaumoyo, monga zonena zabodza kapena zofunsira zabodza, kuti zidziwitso zachinyengo zisasinthidwe. Kuphatikiza apo, maupangiri opereka chithandizo amatha kugwiritsa ntchito ma protocol ogwirizana omwe amaperekedwa ndiukadaulowu kuti athe kuwongolera zosintha zandandanda ndi ma inshuwaransi. Komabe, kuyika ndalama mu blockchain kumatha kukhala kokwera mtengo kwambiri. Kuti apindule mokwanira ndi luso laukadaulo, ma inshuwaransi amafunikanso kugwiritsa ntchito ma analytics apamwamba, Artificial Intelligence (AI), ndi IoT pomwe akugwira ntchito ndi anthu osiyanasiyana.

Zotsatira za inshuwaransi yazaumoyo ya blockchain

Zotsatira zambiri za inshuwaransi yazaumoyo ya blockchain zingaphatikizepo: 

• Njira zowongolera zonena zachipatala, zolipirira, ndi kusunga zolemba, kuchepetsa kwambiri ndalama zoyendetsera ntchito.
• Zambiri zamunthu komanso zamankhwala zikusungidwa motetezedwa ndi kubisidwa, kuletsa kulowa kapena kusokoneza mosaloledwa. 
• Chikhalidwe chosasinthika komanso chowonekera cha blockchain kuchotsa zolakwika mu data yazaumoyo, kuchepetsa kuthekera kwa matenda olakwika kapena chithandizo cholakwika.
• Odwala omwe ali ndi mphamvu zambiri pazidziwitso zawo zaumwini ndi zachipatala, ndipo akhoza kupatsa mwayi kwa othandizira enaake. 
• Kupititsa patsogolo kuperekedwa kwa chithandizo chamankhwala chotsika mtengo komanso chofikirika kwa anthu omwe sali otetezedwa, kuphatikizapo anthu omwe amapeza ndalama zochepa komanso omwe akukhala kumidzi. 
• Kugwirizana pakati pa machitidwe azaumoyo, opereka chithandizo, ndi olipira, kuwongolera kulumikizana kwa chisamaliro ndikuchepetsa kubwereza.
• Zochepa zokhudzana ndi deta komanso ziphuphu muzachipatala. 
• Mwayi watsopano wa ntchito, kuphatikiza opanga blockchain, akatswiri azaumoyo, akatswiri azaumoyo omwe ali ndi luso laukadaulo wa blockchain.
• Kuchepetsa kuwononga mapepala komanso kugwiritsa ntchito mphamvu. Komabe, kusungirako ndi kukonza deta kungapangitsenso kutulutsa mpweya.

Mafunso oyenera kuwaganizira

• Kodi mungakonde kupeza inshuwaransi yazaumoyo yochokera ku blockchain? Chifukwa chiyani?
• Potengera chikhalidwe chake, maboma angawonetse bwanji kuti inshuwaransi ya blockchain ikuyendetsedwa mokwanira?