Kusukela ku-Fintech kuya ku-Blockchain: Izibonelo Ezi-5 Ezikhuthazayo Zokusungula Kwezezimali Odinga Ukuzazi

Kusukela ku-Bitcoin ezinsukwini zayo zokuqala kuya ekukhuphukeni kwe ukutshala imali kwe-robo, bekungalindelekile ukubuka le mibono ithuthuka kusukela ekuhlolweni okuncane ukuya emikhiqizweni namasevisi ajwayelekile.

Ukuqamba okusha kwezezimali kusungula kabusha indlela esizuza ngayo, esichitha ngayo, nesonga ngayo.

Kulokhu okuthunyelwe, sizokwethula ezimbalwa zazo emisha yezimaliama-mavericks ephusha imingcele futhi ecabanga kabusha yona kanye injongo yohlelo lwethu lwezezimali.

Zibopheni nigibele nize nifinyelele lapho kunqamuka khona lokho imali engaba yikho💸

Yiziphi izinselele zokusungulwa kwezimali?	Uxhaso olunganele, ubuchwepheshe obuphelelwe yisikhathi, izinqubomgomo zikahulumeni ezinganele, nobungozi obungadingekile.
Yiziphi izinto ezintsha zakamuva zezezimali?	Ubuchwepheshe bokuthumela imali, ubuchwepheshe bebhange beselula, kanye ne-crowdfunding.

Okuqukethwe

• Iyini i-Financial Innovation?
• Kungani Ukuqanjwa Kwezimali Kubalulekile Emkhakheni?
• Izibonelo Zokusungula Kwezezimali
  • #1. Ukubhanga ku-inthanethi kanye neselula
  • #2. Izinkundla zokukhokha zedijithali
  • #3. Ukuboleka kontanga kuya kontanga
  • #4. Abeluleki beRobo
  • #5. Ama-Cryptocurrencies
  • Izibonelo ezengeziwe zokusungula izimali
• Izitoreji Eziyinhloko 
• imibuzo ejwayelekile ukubuzwa

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Iyini i-Financial Innovation?

Imali yenza umhlaba ujikeleze, njengoba besho. Kodwa ngezinye izikhathi, kungase kuzwakale sengathi i-merry-go-round endala inamathele endaweni, ayihambi ndawo entsha.

Yingakho abasunguli abacabanga phambili kakhulu bebeka engcupheni yonke ukuze banyakazise ezezimali njengoba sazi.

Ukuqamba kwezezimaliisho ukusungulwa, ukuthuthukiswa, nokwamukelwa kwamathuluzi amasha ezezimali, ubuchwepheshe, izikhungo, nezimakethe.

Izibonelo zifaka inkokhelo yekhodi ye-QR, izikhwama ze-elekthronikhi, ukushintshaniswa kwe-cryptocurrency, namasevisi.

Kubandakanya ukuqhamuka nezindlela ezintsha zokuphatha ubungozi, ukukhulisa imali, ukuqedela imisebenzi, neminye imisebenzi yezezimali.

🧠 Hlola i-5 Ukuqamba Emisha EmsebenziniAmasu okushayela i-Constant Evolution.

Kungani Ukuqanjwa Kwezimali Kubalulekile Emkhakheni?

Ukuqamba okusha kwezezimali kusiza ukudala izindlela ezintsha nezithuthukisiwe zokuthi abantu basebenzise imali, njengoba:

• Ithuthukisa ukufinyelela nokufakwa:Lapho izinto zishintsha ngobuchwepheshe obusha noma njengoba izidingo zekhasimende zishintsha, ukusungulwa okusha kuqinisekisa ukuthi uhlelo lwezezimali lungaqhubeka lubasebenzela kahle.

Ivula ukufinyelela kubasebenzisi abaningi emhlabeni wonke ngokusebenzisa izinto ezintsha ezifana nezinkundla zokuboleka ku-inthanethi nezinhlelo zokusebenza zokukhokha ngeselula.

Lokhu kuvumela abantu ezindaweni eziningi ukuthi baqale amabhizinisi, bathenge amakhaya, noma baqongelele imali ukuze bathole imfundo okungenzeka ukuthi bebengakwazi.

• Ihambisa umuzwa ongcono wamakhasimende: Ukuqamba okusha nakho kwenza ukuphatha izimali kube lula kunangaphambili.

Izinhlelo zokusebenza ezintsha namasevisi manje avumela ukubhanga okulula kufoni yakho, ukuze ukwazi ukukhokha kalula izikweletu, amasheke ediphozithi, futhi udlulise izimali noma yikuphi.

Basiza abasebenzisi ukuthi batshale imali yabo yokonga kanye nokwengamela ukusetshenziswa kwezimali ngokuthepha nje okumbalwa futhi.

• Kuphehla ukuncintisana nokukhula komnotho:Ukuqamba okusha kwezezimali kungaphezu nje kokunethezeka - kuvusa ukuncintisana okunempilo.

Phakathi kwamabhange, izinkampani zomshwalense, izinkundla zokutshalwa kwezimali, kanye nenqwaba yeziqalo ezintsha, ukusungulwa kwezinto ezintsha kukhuthaza izinkampani ukuthi zihlale zithuthukisa inani nekhwalithi yezinsizakalo ezinikezwa abathengi.

Ukwazi ukuthi kufanele zenze kangcono noma zibe sengozini yokulahlekelwa amakhasimende, izinkampani zidlulisela izinzuzo zezindleko eziphansi kanye nolwazi olungcono lwamakhasimende emphakathini.

• Iqinisekisa ukuqina nokusimama kwesikhathi esizayo: Uhlelo lwezezimali olufinyeleleka kalula futhi oluncintisanayo lusiza ukukhuthaza ukukhula komnotho okubanzi.

Imithombo yoxhaso yamanoveli isekela osomabhizinisi kanye nokukhulisa amabhizinisi amancane aqasha kakhulu endaweni futhi anikele ngezinto ezintsha ezingezabo.

Abasunguli baphinde basize ukuqinisa ukuvikela kolwazi olubucayi lwabasebenzisi, ubunikazi, nezimpahla ngokuhlola ubuchwepheshe obusha namasu okulawula ubungozi.

Lokhu kuqinisekisa ukuthi yonke imboni yezezimali ihlezi ihlomele ukuvikela abathengi ngaphansi kwesimo sedijithali esiguqukayo iminyaka eminingi ezayo.

Sekukonke, ukusungulwa kwezimali kuyisisekelo sokusekela ukuchuma okusimeme.

Izibonelo Zokusungula Kwezezimali

#1. Ukubhanga ku-inthanethi kanye neselula

Amabhange omdabu ayedinga ukuya emagatsheni angokoqobo ngesikhathi esilinganiselwe.

Manje, amakhasimende angaphatha izimali zawo 24/7 kusuka kunoma iyiphi idivayisi enoxhumo lwe-inthanethi.

Izinkundla eziku-inthanethi nezamaselula zinika amandla izinsiza zamabhange ezintsha ezingenzeki esikhathini esidlule njengamadiphozithi esheke akude, ukudluliselwa kwasekhaya okusheshayo/kwamazwe ngamazwe, kanye nezinkokhelo zontanga.

Iphinde ivumele izikhungo zezezimali ukuthi zinciphise izindleko ezihambisana nokugcina inethiwekhi enkulu yamagatsha.

#2.Izinkundla zokukhokha zedijithali

Amapulatifomu afana ne-PayPal, i-Venmo, ne-Cash App avumela ukudluliselwa kwemali kontanga kuya kontanga kusuka kunoma iyiphi idivayisi 24/7 ngaphandle kokudinga imali.

Ngaphandle kokukhokha kwe-P2P, iStripe ingenye inkundla edumile eyenza izinkokhelo ze-inthanethi nezisombululo zengqalasizinda yokukhokha zamabhizinisi.

Bavule izimakethe ezintsha ze-inthanethi ngokusiza ingqalasizinda yokukhokha yedijithali evikelekile yabathengisi babo bonke osayizi.

Izinkokhelo zedijithali zandisa ukufinyelela ezinsizeni zebhange ngomakhalekhukhwini, ngisho nasezingxenyeni zomhlaba lapho amabhange endabuko eyindlala khona.

#3. Ukuboleka kontanga kuya kontanga

Izinkundla zokuboleka ze-P2P ezifana ne-LendingClub noma i-Prosper ziguqule izimakethe zezikweletu zabathengi ezivamile kanye nezimakethe zezimali ngokusebenzisa ukusungula okunamandla kontanga kanye namasu okuhlola aqhutshwa yidatha.

Ama-algorithms athuthukisiwe ahlola izici zokufaneleka kwekhredithi njengamaleveli emfundo, umlando womsebenzi, nokuxhumana nabantu ukuze kuhlonzwe ababoleki abathembekile abanganakwa yimibandela evamile.

Ngokuhlola ababoleki ngokuphelele besebenzisa enye idatha, ababolekisi be-P2P banganikeza izigaba zamakhasimende ezinakwa amabhange.

Izimali mboleko zomuntu ngamunye zihlukaniswa zibe izibambiso ezincane ezisekelwa yimpahla ezingathengwa ngemali encane efika ku-$25, kwehlise umkhawulo omncane wokutshala imali.

#4. Abeluleki beRobo

Abeluleki be-Robo bayinkundla yokutshala imali engabizi kakhulu eyenza imisebenzi yokutshala imali ngokuzenzakalelayo futhi ngaleyo ndlela inciphise izindleko eziphezulu kakhulu uma ziqhathaniswa nabeluleki bendabuko.

Futhi yenza kube lula inqubo evamile eyinkimbinkimbi yokwakha amaphothifoliyo ahlukahlukene ngokusebenzisa uhlu lwemibuzo oluku-inthanethi nokudala/ukuphatha iphothifoliyo ezenzakalelayo.

Ubuchwepheshe be-robo buvumela umeluleki oyedwa ukuthi asebenze ngempumelelo isisekelo samakhasimende esikhulu kakhulu ngezindleko eziphansi uma kuqhathaniswa nabeluleki abangabantu.

Abadlali abadumile kulo mkhakha ama-Acorns, i-SoFi, kanye ne-Betterment.

#5. Ama-Cryptocurrencies

Ama-Cryptos afana ne-Bitcoin avumela ukuhwebelana okuvikelekile kontanga ngaphandle kokudinga ibhange elikhulu noma isikhungo sezezimali njengomxhumanisi.

Isiza ukudluliswa kwemali kwamazwe ngamazwe okusheshayo nganoma isiphi isikhathi ngokhiye basesidlangalaleni/abayimfihlo kunokuncika ezilinganisweni zokushintshana kwemali eyifa nezintambo.

Ama-Cryptos amelela ukuvela kwemali okulandelayo njengezimpahla zedijithali ezizimele kumafomu aphathekayo njengezikweletu zegolide/eziphrintwe uhulumeni.

Abasebenzisi bangaba amagama-mbumbulu kunokuba badinge ukunamathisela amagama asemthethweni emisebenzini njengezinhlobo zemali zefa.

Izibonelo ezengeziwe zokusungula izimali

• Ukubuyiselwa kwemali kwabantu abaningi- Ukuvumela ama-startups namabhizinisi amancane ukuthi akhuphule imali ku-inthanethi kubatshalizimali abaningi ngabanye. Izibonelo zifaka i-GoFundMe, i-Patreon, ne-SeedInvest Technology.

• Thenga izinketho zezimali- "Thenga manje, ukhokhe kamuva" izinsizakalo ezihlanganiswe nezingosi ze-e-commerce ukuze uthole izinkokhelo zesitolimende. Izibonelo zifaka i-Klarna ne-Afterpay.

• Izindlela ezintsha ze-Insurtech- Ubuchwepheshe obuphazamisa umshwalense ngezinqubomgomo ezisekelwe ekusetshenzisweni, i-telematics, ukutholwa kokukhwabanisa okungcono njll. Izibonelo zifaka i-Lemonade, i-Dacadoo ne-Avinew.

• Izinhlelo zeMicrofinance- Ukuhlinzeka ngemalimboleko encane/imali kosomabhizinisi abahola kancane abangenaso isibambiso ngamaqembu/imiphakathi.

• Ezinye izinhlelo zokuboleka- Amamodeli okuhlola ikhredithi asekelwe ezintweni okungezona ezendabuko njengemilando yemfundo/yokuqashwa.

• Amathuluzi okuqhathanisa amanani ezezimali- Ukusiza abathengi/amabhizinisi ukuqhathanisa kalula nokuthola amanani angcono kakhulu emali mboleko, imikhiqizo yokutshalwa kwezimali nokunye okunjalo.

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Izitoreji Eziyinhloko

Ukuqamba okusha kwezezimali akuyona nje inkulumo-ze - kuguqula indlela esiyithola ngayo imali ngokwayo.

Ngemuva kwalo lonke lolu shintsho kukhona umfutho ongapheli wokwakha uhlelo olubandakanya konke njengenkathi ye-inthanethi eyaqala ngayo, futhi lezi zibonelo ziyimithetho yokubhala kabusha ama-trailblazers ngesilinganiso esingakaze sibonwe kusukela izibani zaqala ukukhanyiswa enhliziyweni yethu yezezimali emhlabeni jikelele💸💰

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