Ukusuka kwi-Fintech ukuya kwi-Blockchain: Imizekelo ye-5 ekhuthazayo yokuTshintsha kwezeMali okufuneka uyazi

Ukusuka kwiBitcoin kwiintsuku zayo zokuqala ukuya ekunyukeni kwe utyalo-mali lwe-robo, bekulindle ukubukela ezi mbono ziphuhla ukusuka kwimifuniselo emincinci ukuya kwiimveliso kunye neenkonzo eziqhelekileyo.

Utshintsho lwezemali lubuyisela indlela esirhola ngayo, esichitha ngayo, kunye nesiyigcinayo.

Kule post, siza kukwazisa ezimbalwa ze ukusungulwa kwemaliiimavericks ezityhala imida kunye nokucinga ngokutsha eyona njongo yenkqubo yethu yezemali.

Zibophe kuhambo lwasendle ukuya kutsho kumda wento enokuba yiyo imali💸

Yeyiphi imicelimngeni yokuqalisa izinto ezintsha zemali?	Inkxaso-mali enganelanga, ubuchwepheshe obuphelelwe lixesha, imigaqo-nkqubo karhulumente enganelanga, kunye neengozi ezingeyomfuneko.
Zeziphi iinguqulelo zemali zakutsha nje?	Itekhnoloji yokuthumela imali, itekhnoloji yebhanki ephathwayo, kunye nokuxhaswa ngemali ngabantu abaninzi.

Isiqulatho

• Yintoni iFinancial Innovation?
• Kutheni i-Financial Innovation ibalulekile kwiCandelo?
• Imizekelo yezeMali yoYilo
  • #1. Ibhanki ye-Intanethi kunye neselula
  • #2. Iiplatifti zentlawulo yedijithali
  • #3. Ukubolekisa ngemali koontanga
  • #4. abacebisi Robo
  • #5. Iimali zemali
  • Imizekelo eyongezelelekileyo yokuqalisa izinto zezimali
• IItrakthi ezibalulekileyo 
• Imibuzo ebuzwa qho

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🚀 Bamba Imibuzo Yasimahla☁️

Yintoni iFinancial Innovation?

Imali yenza umhlaba ujikeleze, njengoko besitsho. Kodwa ngamanye amaxesha, kunokuziva ngathi loo nto yakudala yolonwabo ibambekile ijikeleza endaweni, ayihambi ndawo intsha.

Yiyo loo nto abona basunguli abacinga phambili bebeka emngciphekweni konke ukugungqisa imali njengoko sisazi.

Utshintsho lwezemaliibhekisa ekuyilweni, ekuphuhliseni nasekusetyenzisweni kwezixhobo ezitsha zemali, ubugcisa, amaziko, kunye neemarike.

Imizekelo ibandakanya intlawulo yekhowudi yeQR, izipaji zombane, utshintshiselwano lwe-cryptocurrency, kunye neenkonzo.

Kubandakanya ukuza neendlela ezintsha zokulawula umngcipheko, ukunyusa imali, ukugqiba iitransekshini, kunye neminye imisebenzi yezemali.

🧠 Jonga 5 Ukwenziwa kwezinto ezintsha kwindawo yokusebenzelaUbuchule bokuQhubela i-Evolution Constant.

Kutheni i-Financial Innovation ibalulekile kwiCandelo?

Utshintsho lwezemali lunceda ukudala iindlela ezintsha neziphuculweyo zokuba abantu basebenzise imali, njengoko:

• Ukuphucula ukufikelela kunye nokubandakanya:Xa izinto zitshintsha ngobuchwephesha obutsha okanye njengoko iimfuno zabathengi ziguquka, ukusungula izinto ezintsha kuqinisekisa ukuba inkqubo yezemali inokuqhubeka ibakhonza kakuhle.

Ivula ukufikelela kubasebenzisi abaninzi kwihlabathi liphela ngokusebenzisa izinto ezintsha ezifana neqonga lokuboleka imali kwi-intanethi kunye neeapps zokuhlawula ngeselfowuni.

Oku kuvumela abantu abakwiindawo ezininzi ukuba baqale amashishini, bathenge amakhaya, okanye bagcinele imfundo ebebengenakukwazi ukuyenza.

• Iqhuba amava angcono kubathengi: Ukusungula kwakhona kwenza ulawulo lwezemali lube lula kunangaphambili.

Iiapps ezintsha kunye neenkonzo ngoku zivumela ibhanki efanelekileyo kwifowuni yakho, ukuze ukwazi ukuhlawula amatyala ngokulula, iitshekhi zediphozithi, kunye nokudlulisa imali naphi na.

Banceda abasebenzisi ekutyaleni imali abayigcinileyo kunye nokubeka iliso kwinkcitho ngeempompo nje ezimbalwa.

• Ibasa ukhuphiswano kunye nokukhula koqoqosho:Utshintsho lwezemali lungaphezu kokulungela nje - ludala ukhuphiswano olusempilweni.

Phakathi kweebhanki, ii-inshorensi, amaqonga otyalo-mali, kunye nentlaninge yeziqalo ezitsha, ukuveliswa kwezinto ezintsha kukhuthaza iinkampani ukuba zihlale ziphucula ixabiso kunye nomgangatho weenkonzo ezibonelelwa kubathengi.

Ukwazi ukuba kufuneka benze ngcono okanye babeke umngcipheko wokuphulukana nabathengi, iinkampani zidlula izibonelelo zeendleko eziphantsi kunye namava angcono omthengi kuluntu.

• Iqinisekisa ukomelela kunye nozinzo kwixesha elizayo: Inkqubo yezemali efikelelekayo nenokhuphiswano inceda ekukhuliseni uqoqosho ngokubanzi.

Imithombo yenkxaso-mali eyinoveli ixhasa oosomashishini kunye nokukhulisa amashishini amancinci aqesha ngakumbi ekuhlaleni kwaye afake isandla kwizinto ezintsha ezizezabo.

Abavelisi bakwanceda ukomeleza ukhuseleko kulwazi olubuthathaka lwabasebenzisi, iinkcukacha, kunye nempahla yexabiso ngokuvavanya ubugcisa obutsha kunye nezicwangciso zokulawula umngcipheko.

Oku kuqinisekisa ukuba lonke ishishini lezemali lihlala lixhotyisiwe ukukhusela abathengi phantsi kobume bedijithali kwiminyaka ezayo.

Lilonke, ukusungulwa kwezemali sisiseko sokuxhasa impumelelo ezinzileyo.

Imizekelo yezeMali yoYilo

#1. Ibhanki ye-Intanethi kunye neselula

Iibhanki zemveli zazifuna ukuya kumasebe abonakalayo ngeeyure ezimbalwa.

Ngoku, abathengi banokulawula iimali zabo 24/7 kuso nasiphi na isixhobo esinoqhagamshelo lwe-intanethi.

Iiplatifti ze-intanethi kunye neselula zenza ukuba iinkonzo zebhanki ezintsha zingenzeki kwixesha elidlulileyo njengeediphozithi zetshekhi ezikude, ukudluliselwa kwasekhaya ngoko nangoko / kumazwe ngamazwe, kunye neentlawulo zoontanga.

Ikwavumela amaziko emali ukuba acuthe iindleko eziphezulu ezinxulumene nokugcina uthungelwano olukhulu lwesebe.

#2.Iiplatifti zentlawulo yedijithali

Amaqonga afana nePayPal, iVenmo, kunye neCash App ivumela ukuhanjiswa kwemali ngokukhawuleza kunye nokulula koontanga ukusuka kuso nasiphi na isixhobo 24/7 ngaphandle kokufuna imali.

Ngaphandle kwentlawulo ye-P2P, iStripe lelinye iqonga elidumileyo elenza ukuba iintlawulo ze-intanethi kunye nezisombululo zeziseko zophuhliso zentlawulo kumashishini.

Baye bavula iimarike ezintsha ze-intanethi ngokuququzelela ukhuseleko lweziseko zentlawulo yedijithali kubarhwebi babo bonke ubungakanani.

Iintlawulo zedijithali zandisa ukufikelela kwiinkonzo zebhanki ngeefowuni eziphathwayo, nakwiindawo zehlabathi apho iibhanki zemveli zinqabile.

#3. Ukubolekisa ngemali koontanga

Iiplatifti zokuboleka ze-P2P ezifana ne-LendingClub okanye i-Prosper iguqule i-credit yabathengi yendabuko kunye neemarike zenkunzi ngokusebenzisa i-peer-powered innovation kunye nedatha yedatha yezinye iindlela zokuvavanya.

I-algorithms ephucukileyo ivavanya imiba yokufaneleka ngetyala njengamanqanaba emfundo, imbali yomsebenzi, kunye nonxibelelwano loluntu ukuchonga ababoleki abathembekileyo abangahoywanga ngokwemigaqo yemveli.

Ngokuvavanya ababoleki ngokupheleleyo besebenzisa enye idatha, ababolekisi be-P2P banokusebenza kumacandelo abathengi abangahoywanga ziibhanki.

Iimali-mboleko zomntu ngamnye zohlulwe zibe zizibambiso ezincinci ezixhaswa yi-asethi ezinokuthengwa ngexabiso eliphantsi njenge-25 yeedola, zehlisa umyinge wotyalo-mali oluncinane.

#4. abacebisi Robo

Abacebisi be-Robo yiqonga lokutyalo-mali eliphantsi kwexabiso eliphantsi elenza imisebenzi yotyalo-mali kwaye ngaloo ndlela inciphisa iindleko eziphezulu kakhulu xa kuthelekiswa nabacebisi bemveli.

Ikwayenza lula inkqubo yamandulo entsonkothileyo yokwakha iiphothifoliyo ezohlukeneyo ngokusebenzisa amaphepha emibuzo e-intanethi kunye nokudala/ulawulo oluzenzekelayo lwepotfoliyo.

Itekhnoloji yeRobo ivumela umcebisi omnye ukuba asebenze ngokufanelekileyo kwisiseko somthengi esikhulu kakhulu kwiindleko eziphantsi xa kuthelekiswa nabacebisi babantu.

Abadlali abadumileyo kulo mmandla ziiAcorns, iSoFi, kunye neNgcono.

#5. Iimali zemali

I-Cryptos efana ne-Bitcoin ivumela ukuthengiselana okukhuselekileyo koontanga ngaphandle kokufuna ibhanki ephakathi okanye iziko lezemali njengomlamli.

Iququzelela ukuhanjiswa kwemali kwamazwe ngamazwe okukhawulezileyo nangaliphi na ixesha ngezitshixo zikawonke-wonke/zabucala kunokuxhomekeka kumazinga otshintshiselwano lwemali yelifa kunye neengcingo.

I-Cryptos imele i-evolution elandelayo yemali njenge-asethi yedijithali ezimeleyo kwiifom zenyama ezifana neebhilidi zegolide / ezishicilelwe ngurhulumente.

Abasebenzisi banokuba ngamagama angengowawo endaweni yokufuna ukuncamathelisa amagama asemthethweni kwiintengiselwano njengeemali zelifa.

Imizekelo eyongezelelekileyo yokuqalisa izinto zezimali

• Imali yokubuyisa imali yabantu abaninzi-Ukuvumela ukuqalwa kunye namashishini amancinci ukunyusa inkunzi kwi-intanethi kubatyali-mali abaninzi. Imizekelo ibandakanya iGoFundMe, iPatreon, kunye neSeedInvest Technology.

• Ukuthenga iinketho zemali- "Thenga ngoku, hlawula kamva" iinkonzo ezidityaniswe neziza ze-e-commerce kwiintlawulo zezavenge. Imizekelo ibandakanya i-Klarna kunye ne-Afterpay.

• Iinguqulelo ze-Insurtech- I-Technologies ephazamisa i-inshurensi ngokusebenzisa imigaqo-nkqubo esekelwe kusetyenziso, i-telematics, ukufumanisa ubuqhetseba obungcono njl. Imizekelo ibandakanya i-Lemonade, i-Dacadoo kunye ne-Avinew.

• Amanyathelo emali encinci- Ukubonelela ngeemali-mboleko/inkunzi ezincinci koosomashishini abarhola imivuzo ephantsi abaswele isibambiso kusetyenziswa amaqela/uluntu.

• Iinkqubo ezizezinye zokuboleka imali- Iimodeli zovavanyo lwetyala olusekwe kwizinto ezingezizo ezemveli njengemfundo/imbali yengqesho.

• Izixhobo zokuthelekisa ixabiso lemali- Ukunceda abathengi / amashishini ngokulula ukuthelekisa kwaye ufumane awona mazinga angcono kwimali-mboleko, iimveliso zotyalo-mali kunye nokunye.

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IItrakthi ezibalulekileyo

Ukwenziwa kwezinto ezintsha kwezemali asiyontetho nje- iguqula indlela esifumana ngayo imali ngokwayo.

Emva kwayo yonke le nguqu kukho ukuqhubela phambili kokwakha inkqubo ebandakanyayo njengoko ixesha le-intanethi liyizeleyo, kwaye le mizekelo yimithetho yokubhala kwakhona i-trailblazers kwisikali esingazange sibonwe ukusukela oko izibane zaqala ukukhanyisa entliziyweni yethu yezemali yehlabathi💸💰

Imibuzo ebuzwa qho