Njira zina zopezera ngongole: Kufufuza zambiri kuti mudziwe zambiri za ogula

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Njira zina zopezera ngongole: Kufufuza zambiri kuti mudziwe zambiri za ogula

Njira zina zopezera ngongole: Kufufuza zambiri kuti mudziwe zambiri za ogula

Mutu waung'ono mawu
Njira zina zopezera ngongole zikuchulukirachulukira chifukwa cha nzeru zamakono (AI), telematics, komanso chuma cha digito.
    • Author:
    • Dzina la wolemba
      Quantumrun Foiresight
    • October 10, 2022

    Chidule cha chidziwitso

    Makampani ambiri akugwiritsa ntchito njira zina zopezera ngongole chifukwa zimapindulitsa ogula ndi obwereketsa. Artificial Intelligence (AI), makamaka kuphunzira pamakina (ML), atha kugwiritsidwa ntchito kuyesa kuyenera kwa anthu omwe alibe mwayi wopeza zinthu zakale zamabanki. Njirayi imayang'ana njira zina za data monga mayendedwe azandalama, kuchuluka kwa anthu pa intaneti, zida zam'manja, ndi zolemba zapagulu. Poyang'ana pazigawo zina za deta, njira zina zopezera ngongole zimatha kuwonjezera kuphatikizidwa kwachuma ndikuyendetsa kukula kwachuma.

    Njira ina yopezera ngongole

    Njira yanthawi zonse ya ngongole ndiyochepetsa komanso yosafikirika kwa anthu ambiri. Malinga ndi kafukufuku wa Africa CEO Forum, pafupifupi 57 peresenti ya anthu aku Africa ndi "ngongole yosawoneka," zomwe zikutanthauza kuti alibe akaunti yakubanki kapena ngongole. Chifukwa cha zimenezi, amavutika kupeza ngongole kapena kupeza khadi la ngongole. Anthu omwe alibe mwayi wopeza chithandizo chofunikira chandalama monga maakaunti osungira, makhadi a kirediti kadi, kapena macheke awo amaonedwa kuti alibe banki (kapena alibe banki).

    Malinga ndi Forbes, anthu omwe alibe banki amafunikira ndalama zamagetsi, kirediti kadi, komanso kuthekera kopeza ndalama mwachangu. Komabe, ntchito zamabanki zachikhalidwe nthawi zambiri zimapatula gululi. Kuphatikiza apo, zolemba zovuta ndi zofunikira zina za ngongole zamabanki wamba zapangitsa kuti magulu omwe ali pachiwopsezo atembenukire kwa obwereketsa ngongole ndi obwereketsa omwe amalipira chiwongola dzanja chachikulu.

    Njira zina zangongole zitha kuthandiza anthu omwe alibe mabanki, makamaka m'maiko omwe akutukuka kumene, poganizira njira zowunikira (ndipo nthawi zambiri zolondola). Makamaka, machitidwe a AI atha kugwiritsidwa ntchito kusanthula zidziwitso zambiri kuchokera kuzinthu zosiyanasiyana, monga ndalama zothandizira, zolipiritsa renti, mbiri ya inshuwaransi, kugwiritsa ntchito malo ochezera a pa Intaneti, mbiri yantchito, mbiri yaulendo, malonda a e-commerce, ndi mbiri zaboma ndi katundu. . Kuphatikiza apo, makina odzipangira okhawa atha kuthandizira kuzindikira machitidwe obwerezabwereza omwe amatanthauzira ku chiwopsezo changongole, kuphatikiza kulephera kulipira mabilu kapena kugwira ntchito kwa nthawi yayitali, kapena kutsegula maakaunti ambiri pamapulatifomu amalonda a e-commerce. Machekewa amayang'ana kwambiri zomwe munthu wobwerekedwa amachita komanso amazindikira mfundo zomwe njira zakale zidaphonya. 

    Zosokoneza

    Matekinoloje omwe akubwera ndi chinthu chofunikira kwambiri pakufulumizitsa kukhazikitsidwa kwa zigoli zina zangongole. Tekinoloje imodzi yotereyi imaphatikizapo mapulogalamu a blockchain chifukwa cha kuthekera kwake kulola makasitomala kuwongolera deta yawo pomwe amalola opereka ngongole kutsimikizira zomwe akudziwa. Izi zitha kuthandiza anthu kuti azitha kuyang'anira momwe zinthu zawo zachinsinsi zimasungidwira ndikugawidwa.

    Mabanki amathanso kugwiritsa ntchito intaneti ya Zinthu (IoT) kuti adziwe zambiri zachiwopsezo cha ngongole pazida zonse; izi zikuphatikizapo kusonkhanitsa metadata yeniyeni kuchokera ku mafoni a m'manja. Othandizira azaumoyo atha kupereka zambiri zokhudzana ndi thanzi pazolinga zogoletsa, monga zomwe zasonkhanitsidwa kuchokera kuzinthu zobvala monga kugunda kwa mtima, kutentha, ndi mbiri iliyonse yazaumoyo zomwe zidalipo kale. Ngakhale izi sizikugwira ntchito mwachindunji ku inshuwaransi ya moyo ndi thanzi, zitha kudziwitsa zosankha zamabanki. Mwachitsanzo, matenda omwe angakhalepo a COVID-19 atha kuwonetsa kufunikira kwa chithandizo chanthawi yayitali kapena mabizinesi ang'onoang'ono ndi apakatikati omwe ali ndi chiwopsezo chachikulu pakubweza ngongole ndi kusokoneza bizinesi. Pakadali pano, pa inshuwaransi yamagalimoto, makampani ena amagwiritsa ntchito data ya telematics (GPS ndi masensa) m'malo mwachiwongola dzanja chachikhalidwe kuti awone kuti ndi anthu ati omwe akuyenera kukhala nawo. 

    Mfundo imodzi yofunikira pakubweza ngongole zina ndizomwe zili pa TV. Maukondewa amakhala ndi deta yochititsa chidwi yomwe ingakhale yothandiza kumvetsetsa kuthekera kwa munthu kubweza ngongole. Izi nthawi zambiri zimakhala zolondola kuposa zomwe njira zovomerezeka zimawulula. Mwachitsanzo, kuyang'ana ziwerengero zamaakaunti, zolemba zapaintaneti, ndi ma tweets kumapereka chidziwitso cha momwe wina amawonongera ndalama komanso kukhazikika kwachuma, zomwe zingathandize mabizinesi kupanga zisankho zabwino. 

    Zotsatira zakugoletsa ngongole zina

    Zotsatira zakuchuluka kwa zigoli zina zangongole zingaphatikizepo: 

    • Ntchito zambiri zobwereketsa ngongole zomwe sizinali zachikhalidwe zimalimbikitsidwa ndi mabanki otseguka komanso mabanki ngati ntchito. Ntchitozi zitha kuthandiza omwe alibe banki kufunsira ngongole moyenera.
    • Kuchulukirachulukira kwa kugwiritsa ntchito IoT ndi zobvala kuti ziwone chiwopsezo changongole, makamaka zaumoyo komanso zanzeru zakunyumba.
    • Oyambitsa omwe amagwiritsa ntchito ma metadata a foni kuti ayese anthu omwe alibe mabanki kuti apereke ngongole.
    • Biometrics ikugwiritsidwa ntchito kwambiri ngati njira ina yopezera ngongole, makamaka pakuwunika momwe amagulira.
    • Maboma ochulukirapo akupangitsa kuti ngongole zomwe sizinali zachikhalidwe zikhale zosavuta kupeza komanso zothandiza. 
    • Kuchulukirachulukira pakukhudzika kwa zinsinsi zomwe zingachitike, makamaka pakusonkhanitsidwa kwa data ya biometric.

    Mafunso oyenera kuwaganizira

    • Ndizovuta zotani zomwe zingakhalepo pogwiritsira ntchito deta ina yopezera ngongole?
    • Kodi mfundo zina za data zingaphatikizidwe ndi chiyani muzolowera zina zangongole?

    Maumboni anzeru

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