Ndalama zosinthika: Njira yowona yosalumikizana

• Author:
• Dzina la wolemba

  Quantumrun Foresight
• July 21, 2023

Kuzindikira kwakukulu

Ndalama zomwe zingatheke motsogozedwa ndi makontrakitala anzeru komanso makina a digito zimalonjeza kuchitapo kanthu pazachuma payekhapayekha komanso koyenera komanso kophatikizana ndi zokumana nazo za ogula. Ukadaulo woterewu umathandizira kuti anthu azilipira nthawi yeniyeni potengera zomwe zafotokozedweratu komanso utsogoleri, umwini, ndi kusunga mbiri m'maboma ambiri. Komabe, zotsatira zake zambiri zimayambira pakuwonjezereka kwachuma ndikuchepetsa ndalama zogulira mpaka zovuta zomwe zingachitike pakukhazikitsa malamulo komanso ziwopsezo zachitetezo cha cybersecurity.

Programmable ndalama nkhani

Kugwiritsa ntchito ndalama ndi digito kumapereka nsanja yoyimilira kuti iwonetsere njira zovuta komanso zopangira makonda anu. Chitsanzo ndi ndalama zoyendetsera bwino zomwe zimayenderana ndi kulekerera kwapayekha komanso zolinga zachuma. Ukadaulo uwu ukhoza kuphatikizidwa m'matumba a digito, kupanga zolipira zenizeni za ogula. Zochita izi zitha kutengera zomwe zafotokozedweratu, kuchotseratu kufunikira kosankha malipiro pochita malonda. Mulingo wodzipangira wokhawu ukhoza kupititsa patsogolo luso, kukhathamiritsa kasamalidwe kazachuma, ndikuwonetsetsa kuti zinthu zikuyenda bwino.

Tekinoloje ya Smart contract ndiyomwe ikuyendetsa ndalama zololera. Kulemba "ngati izi, ndiye kuti" kuchitapo kanthu pazachuma kumabweretsa kusintha kwa magwiridwe antchito pamlingo wina watsopano. Makontrakitala anzeru samangodzipanga okha komanso amatha kusinthidwa kukhala makonda pazochita zovuta zomwe zimakhudzana ndi masewera, malo, malamulo, ndi zina zambiri. Makontrakitalawa akukhala maziko a chuma chogawika m'madera, kumene ntchito zofunika kwambiri zimangochitika zokha, monga utsogoleri, umwini, ndi kusunga zolemba. 

Mabanki a Neo-mabanki ndi nsanja zofananira zandalama zomangidwa pamanetiweki a kirediti kadi tsopano akugwiritsa ntchito zilolezo zongochitika zokha. Izi zimathandizira kuti pakhale malire ogula kuti eni ake a makadi asapitirire malire omwe adanenedwa kale kapena kugawana ndi amalonda kapena magawo ena. Mwachitsanzo, Greenlight, yoyambira yokhala ndi ogwiritsa ntchito oposa 4 miliyoni, imapereka kirediti kadi yokhala ndi zowongolera za makolo ndi pulogalamu yam'manja. Makolo atha kugwiritsa ntchito izi kuti aletse masitolo enaake, kukhazikitsa malire ogwiritsira ntchito ndalama, ngakhalenso mphotho zamapulogalamu kapena machitidwe ena. 

Zosokoneza

Chikoka chandalama zomwe zingagwiritsidwe ntchito zimafalikira m'mafakitale ndi mabungwe osiyanasiyana. M'mikhalidwe yakugwa kwachuma, maboma atha kugwiritsa ntchito mwayi wogawa bwino komanso mosatetezeka thandizo lazachuma - lotchedwa "kugwa kwa helikopita" -kwa nzika ngati njira yolimbikitsira chuma. M'mabanki, ukadaulo uwu ukhoza kupatsa mphamvu opereka chithandizo chandalama kuti aziyang'ana kwambiri pakuchita bwino popereka chithandizo kwa makasitomala awo. 

Pazochitika zabizinesi kupita ku bizinesi (B2B), zolipirira zomwe zitha kusinthidwa zokha, zomwe zimalola kusinthanitsa zinthu ndi ntchito munthawi yomweyo. Kuphatikiza apo, makampani atha kuchepetsa zovuta zomwe akuchita komanso kupangitsa kuti azilipira kudzera pa intaneti ya Zinthu (IoT). Makasitomala nawonso adzapindula ndi zinthu zomwe zingathe kutha, chifukwa kupititsa patsogolo kumeneku kungapangitse kuti malipiro aziyenda bwino.

Kuyang'ana makamaka magawo opanga ndi mafakitale, zolipirira makina opangira makina zitha kusintha magwiridwe antchito. Tangoganizirani zochitika zomwe makina amatha kuyitanitsa zinthu zawo ndi zinthu zawo pakatha. Momwemonso, pakuyesa metering mwanzeru, magalimoto amagetsi amatha kulipira okha kuti abwerezenso kudzera mu mgwirizano wanzeru womwe udakhazikitsidwa kale, kuchotseratu kufunikira kolumikizana ndi anthu pochita malonda. Kuphatikiza zolipirira zomwe zingatheke mkati mwa mawonekedwe a IoT zitha kukhala kalambulabwalo wamitundu yatsopano yamabizinesi. 

Pakadali pano, kugwiritsa ntchito ukadaulo wa blockchain pakuwongolera chuma kumatha kuwunika momwe maakaunti ochokera kumabungwe osiyanasiyana padziko lonse lapansi alili munthawi yeniyeni. Kuwoneka pompopompo kumatha kukulitsa luso lopanga zisankho. Itha kupereka zolosera zakuyenda bwino kwandalama, kupangitsa oyang'anira kupanga zisankho zanzeru komanso zapanthawi yake. 

Zotsatira za ndalama zokonzekera

Zotsatira zazikulu za ndalama zomwe mungakonzekere zingaphatikizepo: 

• Ntchito zachuma kwa anthu omwe alibe mabanki kapena omwe alibe ndalama zambiri. Kupezeka kwakukulu kumeneku kungachepetse kusagwirizana pakati pa anthu pa nthawi yayitali ndikupatsa mphamvu anthu omwe ali ndi ufulu wochuluka wachuma.
• Ndalama zogulira zomwe zimagwirizanitsidwa ndi kusamutsidwa kwa ndalama zimatsika kwambiri chifukwa cha kuchotsedwa kwa oyimira pakati, zomwe zimapangitsa kuti pakhale bwino kwambiri pazachuma. 
• Mabanki apakati akutaya mphamvu zawo pazachuma, zomwe zimakhudza chuma cha dziko. Mchitidwewu ukhoza kuyambitsa kukonzanso njira zachuma ndi ndale pamlingo wadziko lonse lapansi.
• Kusintha kwa ndalama zomwe zingatheke kukulitsa kugawikana kwa digito, makamaka pakati pa anthu achikulire komanso m'magawo omwe alibe luso laukadaulo. Kusintha uku kungafunike zoyeserera zopititsa patsogolo luso lazolemba za digito ndi zomangamanga.
• Kuwonjezeka kwa ziwopsezo za pa intaneti zomwe zimafunikira dongosolo lolimba lachitetezo cha pa intaneti. Pakapita nthawi, pakhoza kukhala kuwonjezeka kwazinthu zatsopano komanso kupita patsogolo kwachitetezo cha cybersecurity.
• Kugwiritsa ntchito mphamvu kwa machitidwe a blockchain awa kukhala vuto lalikulu la chilengedwe, zomwe zimapangitsa kufufuza njira zogwiritsira ntchito mphamvu zogwirizana ndi machitidwe ndi njira.
• Zovuta pakukhazikitsa malamulo azachuma, kuphatikiza malamulo oletsa kubweza ndalama (AML) ndi malamulo a know-your-customer (KYC). Izi zitha kupangitsa kuti pakhale njira zatsopano zowongolera kapena kusintha zomwe zilipo kale.
• Ntchito zatsopano mu fintech, ndalama za digito, ndiukadaulo wa blockchain zomwe zimapangitsa kuti pakhale kusintha kwa msika wantchito. Nthawi yomweyo, ntchito zamabanki ndi zachuma zitha kufotokozedwanso kapena kuchepetsedwa.

Mafunso oyenera kuwaganizira

• Ngati mudagwiritsapo ntchito mapangano anzeru, ndi chiyani chomwe mumakonda kwambiri pa iwo?
• Kodi ndimotani mmene ndalama zogwiritsidwira ntchito zingasinthire momwe anthu amapangira ndalama?