Kubva kuBitcoin mumazuva ayo ekutanga kusvika pakusimuka kwe robo-investing, zvanga zviri zvemusango kuona aya mazano achikura kubva kudiki kuyedza kusvika kune zvigadzirwa nesevhisi.
Kuvandudzwa kwemari kuri kuvandudza nzira yatinowana, yekushandisa, uye kuchengetedza.
Mune ino post, tichakuzivisa iwe kune mashoma eiyo kuvandudzwa kwemari mavericks achisundira miganhu uye kufungidzira zvakare chinangwa chehurongwa hwedu hwemari.
Sungai rwendo rwemusango kuenda kumucheto weizvo zvingave mari💸
| Ndeapi matambudziko ekuvandudzwa kwemari? | Mari isina kukwana, tekinoroji yechinyakare, mitemo yehurumende isina kukwana, uye njodzi dzisina basa. |
| Ndezvipi zvitsva zvezvemari munguva pfupi yapfuura? | Tekinoroji yekubhadhara mari, tekinoroji yekubhengi nhare, uye kuunganidza mari. |
Zviri Mukati
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🚀 Bata Mibvunzo Yemahara☁️
Chii chinonzi Financial Innovation?
Mari inoita kuti nyika itenderere, sezvavanotaura. Asi dzimwe nguva, inogona kunzwa sekunge yekare merry-go-round yakanamira ichitenderera panzvimbo, hapana kwainoenda kutsva.
Ndicho chikonzero ivo vanonyanya kufunga-mufungo vanovamba vari kuzviisa panjodzi yekuzunza zvemari sezvatinozviziva.
Kuvandudza mari inoreva kugadzirwa, kusimudzira, uye kutorwa kwemidziyo mitsva yemari, matekinoroji, masangano, uye misika.
Mienzaniso inosanganisira QR kodhi kubhadhara, zvemagetsi wallet, cryptocurrency exchanges, uye masevhisi.
Zvinosanganisira kuuya nenzira itsva dzekugadzirisa njodzi, kukwidza mari, kupedzisa kutengeserana, uye mamwe mabasa emari.
🧠 Ongorora 5 Innovation Munzvimbo Yebasa Mazano ekutyaira Constant Evolution.
Sei Mari Innovation Yakakosha muSector?
Kuvandudzwa kwemari kunobatsira kugadzira nzira nyowani uye dzakavandudzwa dzekuti vanhu vashandise mari, sezvazviri:
• Inovandudza kuwanikwa uye kusanganisa: Kana zvinhu zvachinja nematekinoroji matsva kana sezvinodiwa nevatengi zvinoshanduka, hunyanzvi hunovimbisa kuti hurongwa hwemari hunogona kuenderera mberi nekuvashandira nemazvo.
Inovhura mukana kune vakawanda vashandisi pasi rese kuburikidza nehunyanzvi senge online ekukweretesa mapuratifomu uye mafoni ekubhadhara maapp.
Izvi zvinobvumira vanhu vari munzvimbo dzakawanda kuti vatange mabhizinesi, kutenga dzimba, kana kuchengetedza mari yedzidzo iyo neimwe nzira ingadai isina kukwanisa.
• Inofambisa zvirinani mutengi ruzivo: Innovation inoitawo kuti kutonga kwemari kuve nyore kupfuura nakare kose.
Mapurogiramu matsva nemasevhisi zvino anotendera kubhengi kuri nyore pafoni yako, saka unogona kubhadhara zviri nyore mabhiri, dhipoziti cheki, uye kuendesa mari kubva kupi zvako.
Ivo vanobatsira vashandisi mukudyara mari yavo yavakachengeta uye yekutarisa mashandisiro nematepi mashoma zvakare.
• Mafuta emakwikwi uye kukura kwehupfumi: Kuvandudzwa kwemari kunopfuura kungove nyore - kunomutsa makwikwi ane hutano.
Pakati pemabhangi, mainishuwarenzi, mapuratifomu ekudyara, uye ruzhinji rwekutanga kutsva, hunyanzvi hunosimudzira makambani kuti agare achiwedzera kukosha uye mhando yemasevhisi anopihwa kune vatengi.
Kuziva kuti ivo vanofanirwa kuita zvirinani kana njodzi yekurasikirwa nevatengi, makambani anopfuudza mabhenefiti emitengo yakaderera uye ruzivo rwevatengi rwakanaka kune veruzhinji.
• Inovimbisa kusimba uye kusimba mune ramangwana: Iyo inosvikika uye inokwikwidza hurongwa hwemari inobatsira kukurudzira kukura kwehupfumi.
Novel mari masosi anotsigira mabhizinesi uye kukura mabhizinesi madiki anohaya akawanda munharaunda uye anopa hutsva hutsva hwavo.
Innovators inobatsirawo kusimbisa dziviriro yeruzivo rwevashandisi, zvitupa, uye midziyo kuburikidza nekuyedza matekinoroji matsva uye nzira dzekugadzirisa njodzi.
Izvi zvinoita kuti indasitiri yese yezvemari irambe yakashongedzerwa kuchengetedza vatengi pasi peinoshanduka yedhijitari yemakore kwemakore anotevera.
Pakazara, kuvandudzwa kwemari ndiyo hwaro hwekutsigira budiriro inoenderera.
Financial Innovation Mienzaniso
#1. Online uye mobile banking
Kubhanga kwechinyakare kwaida kuenda kumapazi chaiwo mukati memaawa mashoma.
Iye zvino, vatengi vanogona kubata mari yavo 24/7 kubva kune chero chishandiso chine internet.
Mapuratifomu epamhepo uye enhare anogonesa masevhisi matsva ekubhanga asingagoneke munguva yakapfuura senge madhipoziti ari kure, kufambisa kwepamba / kwepasirese, uye kubhadhara-kune-vezera.
Inobvumirawo masangano ezvemari kuderedza mari yepamusoro inobatanidza nekuchengetedza network yakakura yebazi.
#2. Digital kubhadhara mapuratifomu
Mapuratifomu akaita sePayPal, Venmo, uye Cash App inobvumira nekukurumidza uye nyore peer-to-peer mari kutamiswa kubva kune chero mudziyo 24/7 pasina kuda mari.
Kunze kwekubhadhara kweP2P, Stripe imwe puratifomu yakakurumbira inogonesa kubhadhara kwepamhepo uye kubhadhara zvigadziriso zvemabhizinesi.
Vakavhura misika mitsva yepamhepo nekufambisa yakachengeteka yedhijitari yekubhadhara masisitimu kune vatengesi veese saizi.
Kubhadhara kwedhijitari kunowedzera mukana wekubhengi masevhisi kuburikidza nenharembozha, kunyangwe munzvimbo dzepasirese uko mabhanga echinyakare ari kushomeka.
#3. Peer-to-peer kukweretesa
P2P yekukweretesa mapuratifomu akaita seLendingClub kana Prosper yakashandura kiredhiti yechinyakare yevatengi uye misika yemari kuburikidza nevezera-powered innovation uye data-inofambiswa nedzimwe nzira dzekuongorora.
Yepamberi algorithms inoongorora kukweretwa zvinhu senge nhanho dzedzidzo, nhoroondo yebasa, uye hukama hwemagariro kuti uone vanokwereta vanovimbika vasingatariswe nemaitiro echinyakare.
Nekuongorora vanokwereta zvizere vachishandisa imwe data, P2P vanokweretesa vanogona kushandira niche vatengi zvikamu zvisingatariswe nemabhangi.
Zvikwereti zvega zvega zvakakamurwa kuita zvidiki-zvakatsigirwa zvibatiso zvinogona kutengwa nemari shoma semadhora makumi maviri neshanu, zvichidzikisa chikumbaridzo chekudyara.
#4. Robo varairidzi
Robo-vanachipangamazano ipuratifomu yekudyara inodhura inogadzirisa mabasa ekudyara uye nekudaro inoderedza mutengo wepamusoro zvakanyanya uchienzaniswa nevanopa mazano echinyakare.
Iyo zvakare inorerutsa iyo yechinyakare yakaoma maitiro ekuvaka akasiyana ma portfolio kuburikidza ne online mibvunzo yemibvunzo uye otomatiki portfolio kugadzirwa / manejimendi.
Tekinoroji yeRobo inobvumira chipangamazano mumwechete kuti ashande zvine mutsindo mutengi mukuru pamutengo wakaderera uchienzaniswa nevanopa mazano.
Vatambi vane mukurumbira mundima iyi maAcorns, SoFi, uye Betterment.
#5. Cryptocurrencies
Cryptos seBitcoin inobvumira kutengeserana kwevezera-kune-vezera pasina kuda bhangi repakati kana sangano rezvemari semurevereri.
Inofambisa kukurumidza kufambiswa kwemari yepasirese chero nguva nemakiyi eruzhinji/akavanzika pane kuenderana nenhaka mari yekuchinjana mari uye waya.
Cryptos inomiririra shanduko inotevera yemari semidziyo yedhijitari yakazvimiririra yemhando dzemuviri senge goridhe/hurumende-yakadhindwa mabhiri.
Vashandisi vanogona kunge vari vemanyepo pane kuda kubatanidza mazita emutemo kune matransaction semari yenhaka.
Mimwe mienzaniso yekuvandudza zvemari
• Kuenzana crowdfunding -Kubvumira kutanga uye mabhizinesi madiki kukwidza mari online kubva kune vakawanda vanoisa mari. Mienzaniso inosanganisira GoFundMe, Patreon, uye SeedInvest Technology.
• Kutenga mari yekusarudza - "Tenga izvozvi, bhadhara gare gare" masevhisi akabatanidzwa ne e-commerce masaiti ekubhadhara muripo. Mienzaniso inosanganisira Klarna uye Afterpay.
• Insurtech mitsva -Matekinoroji anovhiringidza inishuwarenzi kuburikidza nekushandisa-based policy, telematics, zviri nani kuona hutsotsi etc. Mienzaniso inosanganisira Lemonade, Dacadoo uye Avinew.
• Microfinance zvirongwa -Kupa zvikwereti zvidiki/capital kuvazvinabhizinesi vane mari shoma vanoshaya rubatso kuburikidza nemapoka/nharaunda.
• Mamwe mapurogiramu ekukweretesa -Kuongorora kwechikwereti modhi zvichibva pane zvisiri zvechinyakare zvinhu senge dzidzo / nhoroondo yebasa.
• Zvishandiso zvekuenzanisa mutengo wemari -Kubatsira vatengi / mabhizinesi kuenzanisa nyore uye kuwana mareti akanakisa pazvikwereti, zvigadzirwa zvekudyara uye zvakadaro.
We Kuvandudza Imwe-Nzira Inofinha Mharidzo
Ita kuti chaunga chinyatsokuteerera nacho kuvhota nemibvunzo kubva kuAhaSlides.
Zvitsva Zvitsva
Kuvandudzwa kwemari hakusi kungotaura - kuri kushandura mabatiro atinoita mari pachayo.
Seri kwekuchinja kwese uku kune dhiraivha isingaperi yekuvaka sisitimu inosanganisirwa senguva yeinternet yakazvigadzira, uye iyi mienzaniso ndiyo trailblazers yekunyorazve mitemo pachiyero chisingaonekwe kubvira mwenje yakatanga kubatidzwa mumoyo yedu yezvemari yepasi rose💸💰
Mibvunzo Inonyanya Kubvunzwa
Ndeupi musiyano uripo pakati peFintech uye kuvandudzwa kwemari?
Fintech chikamu chekugadzirisa zvemari chinoreva zvakananga kushandiswa kwekombiyuta kuvandudza mabasa emari. Kuvandudzwa kwemari inguva yakafara inosanganisira hutsva hwefintech tekinoroji, zvigadzirwa, masevhisi, mabhizinesi modhi, mirau, misika, uye izvo zvinoshandura nekuvandudza indasitiri yezvemari. Saka, zvese fintech innovation yemari, asi hazvisi zvese zvekuvandudza zvemari ndeye fintech.
Ndezvipi zvitsva zvezvemari zviri kubuda?
Mabhindauko emari ari kusimukira ari kufambiswa nematekinoroji matsva, akadai seblockchain, AI, data hombe, uye marobhoti maitiro otomatiki. Aya matekinoroji ari kushandiswa kuita otomatiki mabasa, kuvandudza kugona, uye kugadzira zvigadzirwa zvitsva nemasevhisi.
