Masibhekane nakho: ukubekezela kwethu sonke sekuphelile
mncane. Siyaswayipha, siyathepha, sifaka amaphinikhodi njengamajuba ane-caffeine embewini
i-dispenser. Ukufuna kokwenziwayo okungenazingxabano sekuyinto engapheli
imasha ngokuphindaphinda ngakunye ithembisa i-utopia entsha yokushintshisana ngokushesha. Kodwa
nakhu okucolisekileyo: ijubane liphenduka iThrojani Horse emhlabeni wezinkokhelo,
ukuletha inkathi elula ngezindleko zemali ebandayo, kanzima (noma, wena
uyazi, imali yedijithali)?
ISwitzerland, izwe lamawashi anembayo, ine
wathatha umdondoshiya waya phambili endaweni yezentengiselwano zezimali. Bakwenzile
sebenzisa uhlelo olubizwa nge-SIC5, oluvumela izinkokhelo ezisheshayo ngama-Swiss Francs ukuze
zip phakathi kwama-akhawunti ngemizuzwana eyi-10 emangazayo, 24/7. Nakuba lula
kubathengi namabhizinisi akunakuphikwa, umbuzo usamile: ingabe siyalimala
sibheke esikhathini esizayo lapho isivinini sikhuphuka ngakho konke okunye emhlabeni wezinkokhelo?
Akukho ukuphika ukuyenga kokuzanelisa ngokushesha.
Cabanga ngezinsuku zamahora abuhlungu elinde ukuthi ukudluliselwa kwebhange kuphele
- insalela engavamile yenkathi edlule, mhlawumbe. Kodwa ngalesi simiso esisheshayo sombani
kuza nesibopho sokuqinisekisa ukuthi ukuvikeleka akunikelwanga e-altare
wejubane. Abakhwabanisi baconsa amathe ngethemba lokuthi kuzofika ngokushesha
ukuthengiselana, kanye nezivikelo eziqinile kumele zibe khona ukuze kugcinwe ukuthukuthela kwazo
iminwe endaweni.
Ekhokha Ngokucwayiza Nomthandazo
I-Google Wallet yakamuva ihlasela “Ukuqinisekisa
izilungiselelo” iyisibonelo. Ngokuphequlula okungajabulisi kweswishi, abasebenzisi
kungenzeka ukuthi ilahle amasheke okuphepha ayisidina ezinkokhelo zezokuthutha.
Nakuba isiphakamiso singase sizwakale sisihle kwabanye, nansi
into: ukuphepha yi-bouncer ecasulayo ekilabhini lenhlalakahle yezezimali.
Ngaphandle kokucasuka, bakhona ngesizathu sangempela. Ikhubaza ukuqinisekiswa
ingase ikungenise esitimeleni i-nanosecond ngokushesha, kodwa iphinde ikuvule
umnyango kubakhwabanisi abaneminwe enamathelayo kanye nokuthanda okwabanye abantu
imali esebenze kanzima (masingakhohlwa isikhathi esedlule esingekude kangako, lapho abashicileli bemidlalo).
icashe kumatheminali angagadiwe, ikhipha idatha yezezimali njengedijithali
ama-vampires).
Ngokusheshisa Okukhulu Kuza Nomthwalo Wemfanelo Omkhulu
I-EU, nayo yamuva
imithethonqubo yokukhokha ngokushesha, kubonakala sengathi bayakuqonda lokhu kukhathazeka njengoba benjalo
ukuphushela ikusasa lapho isivinini nokuvikeleka kuhambisana. Nansi indlela:
- Security
njengokungena kwe-VIP: Esikhundleni sokunikeza "umzila osheshayo" odlulayo
ukuhlolwa kokuphepha, i-EU yenza isiqiniseko sokuthi wonke umuntu uyadlula ekuqinisekisweni
inqubo ngaphambi kokuthumela izinkokhelo ezisheshayo, okusho ukuthi ukuqinisekiswa kuyashesha, kodwa
ebalulekile. Ukuze kuqinisekiswe ukuphepha, Abahlinzeki Besevisi Yokukhokha bazoba
okudingekayo ukuze kube nezinyathelo eziqinile nezikamuva zokuthola ukukhwabanisa nezindlela zokuvimbela.
Lokhu kubandakanya ama-PSP aqinisekisa ubunikazi bomamukeli ngaphambi kokuthumela imali kanjalo
ukusiza ukugwema amaphutha noma ukudluliselwa okuwumgunyathi. - Angiphinde
ukulinda imvume: Okukodwa kokukhungatheka okukhulu ngokwesiko
ukudluliselwa umdlalo wokulinda. Imithethonqubo ye-EU ihlose ukukuqeda lokhu ngokuthi
egxile ekuhlolweni kwamakhasimende kwansuku zonke. Le ndlela yokusebenza iyabavumela
thola izinkinga ezingase zibe izinkinga ngaphambi kokuba zibe izinkinga, ugcine imali yomuntu iphephile
ngaphandle kokwengeza ukubambezeleka okwengeziwe. - Intengo efanayo,
akukho ngcindezi: Ngezikhathi ezithile, isifiso sokweqa ukuhlolwa kokuphepha sivela ekufuneni
ukuze wonge amarandi ambalwa. I-EU ibhekana nalokhu ngokuqinisekisa ukuthi izinkokhelo ezisheshayo azikwenzi
woza nethegi yenani leprimiyamu. Ngaphandle kokucindezela kokujaha, abantu ngabanye bangathatha
isikhathi sokuqinisekisa ukuthi konke kuhamba ngohlelo.
Ingabe Izinkokhelo Ezisheshayo Ziyifanele Ingozi Yokuphepha?
Ukuvikeleka akufanele kube umcabango osemuva oboshelwe ku
uhlelo lokukhokha lwakamuva lwe-whiz-bang. Kufanele kube isisekelo, idwala phezu kwalo
okwakhiwa ukwethembana nokunethezeka.
Ngakho-ke, ngenkathi ikusasa lezinkokhelo ngokungangabazeki lishesha ngokushesha
akufanele ize ngezindleko zokuvikeleka.
Ibhalansi ethambile futhi ukushaya ingoma efanele
kubaluleke kakhulu njengoba umhlaba wamukela inkathi yezentengiselwano ezisheshayo. Ngemva kwakho konke,
ngisho newashi elishesha kakhulu alisizi uma lisho isikhathi esingafanele.
Masibhekane nakho: ukubekezela kwethu sonke sekuphelile
mncane. Siyaswayipha, siyathepha, sifaka amaphinikhodi njengamajuba ane-caffeine embewini
i-dispenser. Ukufuna kokwenziwayo okungenazingxabano sekuyinto engapheli
imasha ngokuphindaphinda ngakunye ithembisa i-utopia entsha yokushintshisana ngokushesha. Kodwa
nakhu okucolisekileyo: ijubane liphenduka iThrojani Horse emhlabeni wezinkokhelo,
ukuletha inkathi elula ngezindleko zemali ebandayo, kanzima (noma, wena
uyazi, imali yedijithali)?
ISwitzerland, izwe lamawashi anembayo, ine
wathatha umdondoshiya waya phambili endaweni yezentengiselwano zezimali. Bakwenzile
sebenzisa uhlelo olubizwa nge-SIC5, oluvumela izinkokhelo ezisheshayo ngama-Swiss Francs ukuze
zip phakathi kwama-akhawunti ngemizuzwana eyi-10 emangazayo, 24/7. Nakuba lula
kubathengi namabhizinisi akunakuphikwa, umbuzo usamile: ingabe siyalimala
sibheke esikhathini esizayo lapho isivinini sikhuphuka ngakho konke okunye emhlabeni wezinkokhelo?
Akukho ukuphika ukuyenga kokuzanelisa ngokushesha.
Cabanga ngezinsuku zamahora abuhlungu elinde ukuthi ukudluliselwa kwebhange kuphele
- insalela engavamile yenkathi edlule, mhlawumbe. Kodwa ngalesi simiso esisheshayo sombani
kuza nesibopho sokuqinisekisa ukuthi ukuvikeleka akunikelwanga e-altare
wejubane. Abakhwabanisi baconsa amathe ngethemba lokuthi kuzofika ngokushesha
ukuthengiselana, kanye nezivikelo eziqinile kumele zibe khona ukuze kugcinwe ukuthukuthela kwazo
iminwe endaweni.
Ekhokha Ngokucwayiza Nomthandazo
I-Google Wallet yakamuva ihlasela “Ukuqinisekisa
izilungiselelo” iyisibonelo. Ngokuphequlula okungajabulisi kweswishi, abasebenzisi
kungenzeka ukuthi ilahle amasheke okuphepha ayisidina ezinkokhelo zezokuthutha.
Nakuba isiphakamiso singase sizwakale sisihle kwabanye, nansi
into: ukuphepha yi-bouncer ecasulayo ekilabhini lenhlalakahle yezezimali.
Ngaphandle kokucasuka, bakhona ngesizathu sangempela. Ikhubaza ukuqinisekiswa
ingase ikungenise esitimeleni i-nanosecond ngokushesha, kodwa iphinde ikuvule
umnyango kubakhwabanisi abaneminwe enamathelayo kanye nokuthanda okwabanye abantu
imali esebenze kanzima (masingakhohlwa isikhathi esedlule esingekude kangako, lapho abashicileli bemidlalo).
icashe kumatheminali angagadiwe, ikhipha idatha yezezimali njengedijithali
ama-vampires).
Ngokusheshisa Okukhulu Kuza Nomthwalo Wemfanelo Omkhulu
I-EU, nayo yamuva
imithethonqubo yokukhokha ngokushesha, kubonakala sengathi bayakuqonda lokhu kukhathazeka njengoba benjalo
ukuphushela ikusasa lapho isivinini nokuvikeleka kuhambisana. Nansi indlela:
- Security
njengokungena kwe-VIP: Esikhundleni sokunikeza "umzila osheshayo" odlulayo
ukuhlolwa kokuphepha, i-EU yenza isiqiniseko sokuthi wonke umuntu uyadlula ekuqinisekisweni
inqubo ngaphambi kokuthumela izinkokhelo ezisheshayo, okusho ukuthi ukuqinisekiswa kuyashesha, kodwa
ebalulekile. Ukuze kuqinisekiswe ukuphepha, Abahlinzeki Besevisi Yokukhokha bazoba
okudingekayo ukuze kube nezinyathelo eziqinile nezikamuva zokuthola ukukhwabanisa nezindlela zokuvimbela.
Lokhu kubandakanya ama-PSP aqinisekisa ubunikazi bomamukeli ngaphambi kokuthumela imali kanjalo
ukusiza ukugwema amaphutha noma ukudluliselwa okuwumgunyathi. - Angiphinde
ukulinda imvume: Okukodwa kokukhungatheka okukhulu ngokwesiko
ukudluliselwa umdlalo wokulinda. Imithethonqubo ye-EU ihlose ukukuqeda lokhu ngokuthi
egxile ekuhlolweni kwamakhasimende kwansuku zonke. Le ndlela yokusebenza iyabavumela
thola izinkinga ezingase zibe izinkinga ngaphambi kokuba zibe izinkinga, ugcine imali yomuntu iphephile
ngaphandle kokwengeza ukubambezeleka okwengeziwe. - Intengo efanayo,
akukho ngcindezi: Ngezikhathi ezithile, isifiso sokweqa ukuhlolwa kokuphepha sivela ekufuneni
ukuze wonge amarandi ambalwa. I-EU ibhekana nalokhu ngokuqinisekisa ukuthi izinkokhelo ezisheshayo azikwenzi
woza nethegi yenani leprimiyamu. Ngaphandle kokucindezela kokujaha, abantu ngabanye bangathatha
isikhathi sokuqinisekisa ukuthi konke kuhamba ngohlelo.
Ingabe Izinkokhelo Ezisheshayo Ziyifanele Ingozi Yokuphepha?
Ukuvikeleka akufanele kube umcabango osemuva oboshelwe ku
uhlelo lokukhokha lwakamuva lwe-whiz-bang. Kufanele kube isisekelo, idwala phezu kwalo
okwakhiwa ukwethembana nokunethezeka.
Ngakho-ke, ngenkathi ikusasa lezinkokhelo ngokungangabazeki lishesha ngokushesha
akufanele ize ngezindleko zokuvikeleka.
Ibhalansi ethambile futhi ukushaya ingoma efanele
kubaluleke kakhulu njengoba umhlaba wamukela inkathi yezentengiselwano ezisheshayo. Ngemva kwakho konke,
ngisho newashi elishesha kakhulu alisizi uma lisho isikhathi esingafanele.
- I-SEO Powered Content & PR Distribution. Khuliswa Namuhla.
- I-PlatoData.Network Vertical Generative Ai. Zinike Amandla. Finyelela Lapha.
- I-PlatoAiStream. I-Web3 Intelligence. Ulwazi Lukhulisiwe. Finyelela Lapha.
- I-PlatoESG. Ikhabhoni, I-CleanTech, Amandla, Environment, Ilanga, Ukuphathwa Kwemfucuza. Finyelela Lapha.
- I-PlatoHealth. I-Biotech kanye ne-Clinical Trials Intelligence. Finyelela Lapha.
- Source: https://www.financemagnates.com//fintech/payments/how-fast-is-too-fast-rethinking-security-shortcuts-in-the-age-of-instant-payments/
