Okunye ukuthola amaphuzu esikweletu: Ukuthola idatha enkulu ukuze uthole ulwazi lomthengi

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Okunye ukuthola amaphuzu esikweletu: Ukuthola idatha enkulu ukuze uthole ulwazi lomthengi

Okunye ukuthola amaphuzu esikweletu: Ukuthola idatha enkulu ukuze uthole ulwazi lomthengi

Umbhalo wesihlokwana
Okunye ukuthola amaphuzu esikweletu kuya ngokuya kuba okujwayelekile ngenxa yobuhlakani bokwenziwa (AI), i-telematics, kanye nomnotho wedijithali.
    • About the Author:
    • Igama lomlobi
      I-Quantumrun Foiresight
    • October 10, 2022

    Isifinyezo sokuqonda

    Izinkampani eziningi zisebenzisa amanye amaphuzu esikweletu ngoba kusizakala abathengi nababolekisi. I-Artificial intelligence (AI), ikakhulukazi ukufunda ngomshini (ML), ingasetshenziswa ukuhlola ukufaneleka kwabantu abangenakho ukufinyelela emikhiqizweni yasebhange evamile. Le ndlela ibheka eminye imithombo yedatha njengemisebenzi yezezimali, ithrafikhi yewebhu, amadivayisi eselula, namarekhodi omphakathi. Ngokubheka amanye amaphuzu edatha, okunye ukunikezwa kwekhredithi kunamandla okukhulisa ukufakwa kwezimali futhi kuqhubekise ukukhula komnotho.

    Omunye umongo wokuthola amaphuzu esikweletu

    Imodeli yamaphuzu esikweletu yendabuko iyakhawula futhi ayifinyeleleki kubantu abaningi. Ngokwemininingwane evela kwi-Africa CEO Forum, cishe amaphesenti angama-57 abantu base-Afrika “ababoni ngesikweletu,” okusho ukuthi abanayo i-akhawunti yasebhange noma amaphuzu esikweletu. Ngenxa yalokho, baba nobunzima bokuthola imali ebolekiwe noma ukuthola ikhadi lesikweletu. Abantu abangenakho ukufinyelela ezinsizeni zezezimali ezibalulekile ezifana nama-akhawunti okulondoloza, amakhadi esikweletu, noma amasheke omuntu siqu babhekwa njengabangabhange (noma bengenawo amabhange amancane).

    Ngokusho kweForbes, laba bantu abangabhanga badinga ukufinyelela kwe-electronic cash, ikhadi lasebhange, nekhono lokuthola imali ngokushesha. Nokho, izinsiza zamabhange zendabuko ngokuvamile azilifaki leli qembu. Ukwengeza, amaphepha ayinkimbinkimbi kanye nezinye izidingo zemalimboleko evamile yasebhange kubangele ukuthi amaqembu asengozini aphendukele oshaka bemalimboleko kanye nababolekisi bosuku lokukhokha abafaka amanani enzalo ephezulu.

    Okunye ukuthola amaphuzu esikweletu kungasiza abantu abangenawo amabhange, ikakhulukazi emazweni asathuthuka, ngokucabangela izindlela ezingakahleleki (futhi ngokuvamile ezinembe kakhulu) zokuhlola. Ikakhulukazi, izinhlelo ze-AI zingasetshenziswa ukuskena inqwaba yolwazi oluvela emithonjeni yedatha eyahlukene, njengezikweletu zezinsiza, izinkokhelo zerenti, amarekhodi omshwalense, ukusetshenziswa kwenkundla yezokuxhumana, umlando wokuqashwa, umlando wokuvakasha, ukuthengiselana nge-e-commerce, kanye namarekhodi kahulumeni nempahla. . Ukwengeza, lawa masistimu azenzakalelayo angasiza ekuhlonzeni amaphethini aphindelelayo ahumushela engcupheni yekhredithi, okuhlanganisa ukungakwazi ukukhokha izikweletu noma ukubamba imisebenzi isikhathi eside kakhulu, noma ukuvula ama-akhawunti amaningi kakhulu ezinkundleni ze-e-commerce. Lokhu kuhlola kugxile ekuziphatheni komuntu obolekiwe futhi kuhlonze amaphuzu edatha okungenzeka ukuthi awagejiwe. 

    Umthelela ophazamisayo

    Ubuchwepheshe obusafufusa buyisici esibalulekile ekusheshiseni ukwamukelwa kwamanye amaphuzu esikweletu. Obunye ubuchwepheshe obunjalo buhlanganisa izinhlelo zokusebenza ze-blockchain ngenxa yekhono layo lokuvumela amakhasimende alawule idatha yawo kuyilapho evumela abahlinzeki bezikweletu ukuthi baqinisekise ulwazi. Lesi sici singasiza abantu bazizwe belawula kakhulu ukuthi ulwazi lwabo lomuntu siqu lugcinwa futhi lwabiwe kanjani.

    Amabhange angaphinda asebenzise I-inthanethi Yezinto (IoT) ukuthola isithombe esinemininingwane eminingi yengozi yesikweletu kuwo wonke amadivayisi; lokhu kufaka phakathi ukuqoqa imethadatha yesikhathi sangempela kumaselula. Abahlinzeki bokunakekelwa kwezempilo banganikela ngedatha ehlukahlukene ehlobene nezempilo ngezinjongo zokuthola amaphuzu, njengedatha eqoqwe ezintweni ezigqokekayo ezifana nokushaya kwenhliziyo, izinga lokushisa, nanoma yiliphi irekhodi lezinkinga zempilo ezikhona ngaphambilini. Nakuba lolu lwazi lungasebenzi ngokuqondile kumshwalense wempilo nempilo, lungazisa ukukhetha komkhiqizo wasebhange. Isibonelo, ukutheleleka okungenzeka kwe-COVID-19 kungase kubonise isidingo sosizo oluphuthumayo lwe-overdraft noma amabhizinisi amancane naphakathi nendawo anezici eziyingozi eziphakeme zokukhokhwa kwemali mboleko kanye nokuphazamiseka kwebhizinisi. Ngaleso sikhathi, kumshwalense wemoto, ezinye izinkampani zisebenzisa idatha ye-telematics (i-GPS nezinzwa) esikhundleni sokuthola amaphuzu esikweletu esivamile ukuze zihlole ukuthi yimaphi amakhandidethi okungenzeka ukuthi abophezeleke kakhulu. 

    Iphuzu elilodwa ledatha elingukhiye ekutholeni amaphuzu esikweletu okunye okuqukethwe yinkundla yezokuxhumana. Lawa manethiwekhi anenani elimangalisayo ledatha engaba usizo ekuqondeni amathuba omuntu okukhokha izikweletu. Lolu lwazi luvame ukuba nembe ngaphezu kwalokho okuvezwa yiziteshi ezisemthethweni. Isibonelo, ukuhlola izitatimende ze-akhawunti, okuthunyelwe ku-inthanethi, nama-tweets kunikeza imininingwane ngemikhuba yothile yokuchitha kanye nokuzinza kwezomnotho, okungasiza amabhizinisi enze izinqumo ezingcono. 

    Imithelela yokunye ukuthola amaphuzu esikweletu

    Imithelela ebanzi yokunye ukuthola amaphuzu esikweletu ingase ihlanganise: 

    • Izinsiza ezengeziwe zokubolekwa kwezikweletu okungezona ezendabuko ezigqugquzelwa ukubhanga okuvulekile kanye nokubhanga njengesevisi. Lawa masevisi angasiza abantu abangabhanga ukuthi bafake isicelo semalimboleko ngendlela ephumelela kakhudlwana.
    • Ukusetshenziswa okwandayo kwe-IoT nezinto ezigqokwayo ukuze kuhlolwe ubungozi besikweletu, ikakhulukazi idatha yezempilo neyekhaya ehlakaniphile.
    • Iziqalo zisebenzisa izinsiza zemethadatha yocingo ukuze zixazulule abantu abangabhanga ukuze banikeze ngamasevisi esikweletu.
    • I-Biometrics isetshenziswa kakhulu njengenye idatha yamaphuzu esikweletu, ikakhulukazi ekuqapheni imikhuba yokuthenga.
    • Ohulumeni abaningi abenza isikweletu esingajwayelekile sifinyeleleke kalula futhi sisebenziseke. 
    • Ukwandisa ukukhathazeka mayelana nokuphulwa kobumfihlo bedatha okungenzeka, ikakhulukazi ekuqoqweni kwedatha ye-biometric.

    Imibuzo okufanele icatshangelwe

    • Yiziphi izinselele ezingaba khona ekusebenziseni enye idatha yamaphuzu esikweletu?
    • Yimaphi amanye amaphuzu edatha angahle afakwe kwenye amaphuzu esikweletu?

    Izinkomba zokuqonda

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