Kuyambira Bitcoin m'masiku ake oyambirira mpaka kukwera kwa robo-Investing, zakhala zachipongwe kuwona malingalirowa akukula kuchokera kuzinthu zazing'ono kupita kuzinthu zazikulu ndi ntchito.
Kusintha kwazachuma ndikuyambitsanso momwe timapezera, kugwiritsa ntchito, ndi kusunga.
Mu positi iyi, tikuwonetsani zina mwazo luso lazachuma mavericks akukankhira malire ndikuganiziranso cholinga cha dongosolo lathu lazachuma.
Lumikizanani ndi kukwera movutikira mpaka kumapeto kwa zomwe ndalama zitha kukhala💸
| Kodi mavuto azachuma ndi otani? | Ndalama zosakwanira, luso lamakono lachikale, ndondomeko za boma zosakwanira, ndi zoopsa zosafunikira. |
| Kodi zatsopano zazachuma zaposachedwa ndi ziti? | Tekinoloje yotumizira ndalama, ukadaulo wamabanki am'manja, komanso kusaka anthu ambiri. |
M'ndandanda wazopezekamo
Mukuyang'ana Zosangalatsa Zambiri Pamisonkhano?
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🚀 Tengani Mafunso Aulere☁️
Kodi Financial Innovation ndi chiyani?
Ndalama zimapangitsa dziko kuzungulira, monga akunena. Koma nthawi zina, zimatha kumverera ngati chisangalalo chakale chakhala chikuzungulira, sichipita kwina kulikonse.
Ichi ndichifukwa chake oyambitsa oganiza zamtsogolo akuyika zonse pachiwopsezo kuti agwedeze ndalama monga tikudziwira.
Kusintha kwachuma amatanthauza kupangidwa, kukonza, ndi kutengera zida zatsopano zachuma, matekinoloje, mabungwe, ndi misika.
Zitsanzo zikuphatikiza kulipira ma code a QR, zikwama zamagetsi, kusinthana kwa cryptocurrency, ndi ntchito.
Zimaphatikizapo kubwera ndi njira zatsopano zothanirana ndi ngozi, kukweza ndalama, kumaliza ntchito, ndi ntchito zina zachuma.
🧠 Onani 5 Zatsopano Pantchito Njira Zoyendetsera Constant Evolution.
Chifukwa Chiyani Kusintha Kwachuma Ndikofunikira Pagawo?
Kusintha kwachuma kumathandizira kupanga njira zatsopano komanso zabwino zomwe anthu amagwiritsira ntchito ndalama, monga:
• Kupititsa patsogolo kupezeka ndi kuphatikizika: Zinthu zikasintha ndi matekinoloje atsopano kapena pamene zosowa zamakasitomala zikusintha, zatsopano zimatsimikizira kuti kayendetsedwe kazachuma kapitilize kuwatumikira bwino.
Imatsegula mwayi kwa ogwiritsa ntchito ambiri padziko lonse lapansi kudzera muzatsopano monga nsanja zobwereketsa pa intaneti ndi mapulogalamu olipira mafoni.
Izi zimalola anthu m'malo ambiri kuyamba mabizinesi, kugula nyumba, kapena kusunga ndalama kuti aphunzire zomwe mwina sizikanatheka.
• Imayendetsa bwino makasitomala: Kupanga zatsopano kumapangitsanso kuyang'anira ndalama kukhala kosavuta kuposa kale.
Mapulogalamu ndi ntchito zatsopano tsopano zimakulolani kubanki yabwino pafoni yanu, kuti mutha kulipira mabilu mosavuta, macheke, ndi kusamutsa ndalama kulikonse.
Amathandizira ogwiritsa ntchito kuyika ndalama zawo ndikuwunika momwe amawonongera ndalama ndi ma tapi ochepa chabe.
• Mpikisano wamafuta ndi kukula kwachuma: Kusintha kwachuma sikungowonjezera chabe - kumayambitsa mpikisano wathanzi.
Pakati pa mabanki, ma inshuwaransi, nsanja zandalama, ndi zina zambiri zoyambira zatsopano, zatsopano zimalimbikitsa makampani kuti apitilize kukulitsa mtengo ndi ntchito zomwe zimaperekedwa kwa ogula.
Podziwa kuti akuyenera kuchita bwino kapena kuyika makasitomala pachiwopsezo, mabungwe amalandila phindu lamitengo yotsika komanso chidziwitso chabwino chamakasitomala kwa anthu.
• Imatsimikizira kulimba mtima ndi kukhazikika kwamtsogolo: Dongosolo lazachuma lomwe likupezeka mosavuta komanso lopikisana limathandizira kukula kwachuma.
Magwero azandalama zaposachedwa amathandizira mabizinesi ndikukulitsa mabizinesi ang'onoang'ono omwe amalemba ntchito zambiri kwanuko ndikuthandizira zatsopano zawo.
Opanga zatsopano amathandizanso kulimbitsa chitetezo chazidziwitso za ogwiritsa ntchito, zomwe akudziwa, ndi katundu wawo poyesa matekinoloje atsopano ndi njira zowongolera zoopsa.
Izi zikuwonetsetsa kuti makampani onse azachuma amakhalabe okonzeka kuteteza ogula pansi pakusintha kwa digito kwazaka zikubwerazi.
Ponseponse, luso lazachuma ndiye maziko othandizira kutukuka kokhazikika.
Zitsanzo Zazosintha Zachuma
#1. Mabanki a pa intaneti ndi mafoni
Mabanki achikhalidwe amafunikira kupita kunthambi zenizeni panthawi yochepa.
Tsopano, makasitomala amatha kusamalira ndalama zawo 24/7 kuchokera ku chipangizo chilichonse chokhala ndi intaneti.
Mapulatifomu a pa intaneti ndi mafoni amathandizira kuti ntchito zamabanki zatsopano zisatheke m'mbuyomu monga macheke akutali, kusamutsidwa pompopompo kunyumba / kumayiko ena, komanso kulipira anzawo.
Zimalolanso mabungwe azachuma kuchepetsa ndalama zomwe zimagwirizana ndi kusunga nthambi yayikulu.
#2. Mapulatifomu olipira a digito
Mapulatifomu ngati PayPal, Venmo, ndi Cash App amalola kusamutsa ndalama mwachangu komanso kosavuta kwa anzanu kuchokera ku chipangizo chilichonse 24/7 osafuna ndalama.
Kupatula kulipira kwa P2P, Stripe ndi nsanja ina yotchuka yomwe imathandizira kulipira pa intaneti ndi njira zolipirira mabizinesi.
Adatsegula misika yatsopano yapaintaneti pothandizira njira zolipirira za digito zotetezedwa kwa amalonda amitundu yonse.
Kulipira kwa digito kumakulitsa mwayi wopeza mabanki kudzera pamafoni a m'manja, ngakhale kumadera ena komwe mabanki achikale akusowa.
#3. Kubwereketsa anzawo ndi anzawo
Mapulatifomu obwereketsa a P2P monga LendingClub kapena Prosper adasintha misika yanthawi zonse ya ogula komanso misika yayikulu kudzera muukadaulo wopangidwa ndi anzawo komanso njira zina zowunikira.
Ma aligorivimu apamwamba amawunika zinthu zoyenereza kubweza ngongole monga kuchuluka kwa maphunziro, mbiri ya ntchito, ndi kulumikizana ndi anthu kuti azindikire obwereka odalirika omwe amanyalanyazidwa ndi miyambo yakale.
Powunika obwereketsa mosamalitsa pogwiritsa ntchito zina, obwereketsa a P2P amatha kutumikira magawo amakasitomala omwe sananyalanyazidwe ndi mabanki.
Ngongole zapayekha zimagawidwa m'magawo ang'onoang'ono omwe atha kugulidwa ndi $25, kutsitsa gawo lochepera la ndalama.
#4. Robo alangizi
Alangizi a Robo ndi nsanja yotsika mtengo yopangira ndalama zomwe zimagwiritsa ntchito ntchito zoyika ndalama ndipo potero zimachepetsa ndalama zochulukirapo poyerekeza ndi alangizi azikhalidwe.
Imathandiziranso njira zovuta zomangira ma portfolio osiyanasiyana kudzera m'mafunso apaintaneti komanso kupanga / kasamalidwe kokhazikika.
Ukadaulo wa robo umalola mlangizi m'modzi kuti azitha kuthandiza makasitomala okulirapo pamitengo yotsika poyerekeza ndi alangizi a anthu.
Osewera otchuka pagawoli ndi Acorns, SoFi, ndi Betterment.
#5. Ndalama za Crypto
Ma Cryptos ngati Bitcoin amalola kuchita zinthu motetezeka kwa anzanu ndi anzawo popanda kufunikira banki yayikulu kapena bungwe lazachuma ngati mkhalapakati.
Imathandizira kusamutsidwa kwandalama kwapadziko lonse mwachangu nthawi iliyonse ndi makiyi agulu/achinsinsi m'malo motengera mitengo yakusinthana kwandalama ndi mawaya.
Cryptos imayimira kusinthika kwandalama kotsatira ngati chuma cha digito chosagwirizana ndi mawonekedwe akuthupi monga bili zagolide / zosindikizidwa ndi boma.
Ogwiritsa ntchito atha kukhala odziwika m'malo mongofunika kuphatikizira mayina ovomerezeka pamabizinesi monga momwe amachitira ndi ndalama zakale.
Zitsanzo zambiri zazachuma
• Kuchulukitsa ndalama - Kulola oyambitsa ndi mabizinesi ang'onoang'ono kuti akweze ndalama pa intaneti kuchokera kwa anthu ambiri omwe ali ndi ndalama. Zitsanzo zikuphatikiza GoFundMe, Patreon, ndi SeedInvest Technology.
• Gulani zosankha zandalama - "Gulani tsopano, lipirani pambuyo pake" ntchito zophatikizidwa ndi masamba a e-commerce pakulipira pang'onopang'ono. Zitsanzo zikuphatikizapo Klarna ndi Afterpay.
• Insurtech zatsopano - Ukadaulo wosokoneza inshuwaransi pogwiritsa ntchito ndondomeko zogwiritsira ntchito, telematics, kuzindikira bwino zachinyengo etc. Zitsanzo zikuphatikizapo Lemonade, Dacadoo ndi Avinew.
• Ntchito za Microfinance - Kupereka ngongole zing'onozing'ono / ndalama kwa amalonda otsika omwe alibe chikole kudzera m'magulu / midzi.
• Njira zina zobwereketsa - Zitsanzo zowunikira ngongole kutengera zinthu zomwe sizinali zachikhalidwe monga mbiri ya maphunziro / ntchito.
• Zida zofananira mtengo wandalama - Kuthandizira ogula / mabizinesi kufananiza mosavuta ndikupeza mitengo yabwino kwambiri pa ngongole, zinthu zogulitsa ndi zina zotero.
We Zoyambitsa Ulaliki Wotopetsa wa Njira Imodzi
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Zitengera Zapadera
Kusintha kwazachuma si nkhani chabe - ndikusintha momwe timakhalira ndi ndalama.
Kumbuyo kwa kusinthaku kuli chiwongolero chosasunthika chomanga dongosolo lophatikizika monga momwe intaneti idayambira, ndipo zitsanzo izi ndi malamulo olembera omwe amalembanso pamlingo womwe sunawonekere kuyambira pomwe magetsi adayatsidwa koyamba mu mtima wathu wazachuma padziko lonse lapansi💸💰
Mafunso Ofunsidwa Kawirikawiri
Kodi pali kusiyana kotani pakati pa Fintech ndi luso lazachuma?
Fintech ndi kagawo kakang'ono kazachuma kamene kamatanthawuza kugwiritsa ntchito ukadaulo kukonza ntchito zachuma. Kusintha kwachuma ndi nthawi yochulukirapo yomwe imaphatikizapo matekinoloje atsopano a fintech, zinthu, ntchito, mitundu yamabizinesi, malamulo, misika, ndi zomwe zimasintha ndikusintha bizinesi yazachuma. Chifukwa chake, fintech yonse ndiukadaulo wazachuma, koma sizinthu zonse zazachuma zomwe zili fintech.
Kodi zatsopano zachuma zomwe zikubwera ndi ziti?
Zachuma zomwe zikubwera zikuyendetsedwa ndi matekinoloje atsopano, monga blockchain, AI, data yayikulu, ndi makina opangira ma robotic. Matekinoloje awa akugwiritsidwa ntchito kusinthiratu ntchito, kukonza magwiridwe antchito, ndikupanga zinthu zatsopano ndi ntchito.
