Imboni yezinsizakalo zezezimali isebenza esimweni esishintshashintshayo, lapho ukuthuthuka kwedijithali kudlala indima ebalulekile ekulolongeni ikusasa lomkhakha. Nakuba ubuchwepheshe buqhubeka nokuguqula imboni yezinsizakalo zezezimali, ama-FIs kufanele alwele ukuhlangabezana nemithetho eqinile yemboni ngaphandle kokubukela phansi ukubaluleka okubucayi kokuvikeleka kwedatha yezezimali ebucayi kanye nokukhwabanisa/ukuvikela umkhonyovu.
Njengoba siqhubekela phambili singena ku-2024, amabhange akulungele ukwandisa utshalomali lwawo ezindaweni ezibalulekile ezithinta ngokuqondile ukusebenza kwawo, ulwazi lwamakhasimende, kanye nokuthobela imithetho. Kulesi sihloko, sizohlola izizinda zobuchwepheshe eziyinhloko - ubuchwepheshe bokuthobela, ukuphepha kwe-cybersecurity, nokwenza kube ngokwakho - izindawo ezintathu ezibalulekile zamasu ezizobona ukutshalwa kwezimali okwengeziwe okuvela emabhange kulo nyaka.
1. Ubuchwepheshe bokuhambisana
Imboni yamabhange ingenye yezindlela eziqondile ezilawulwa kakhulu emhlabeni. Imithetho eqinile yezimboni idinga ukulandelwa okungaguquki kwezikhungo zezezimali. Ukungathobeli imithetho kusho ukuthi izikhungo zingahlawuliswa, okuholela ekulahlekelweni ukwethenjwa ngamakhasimende azo. Ubuchwepheshe bokuthobela imithetho buqinisekisa ukuthi amabhange ahlangabezana nalezi zidingo eziqinile zokulawula ngempumelelo nangempumelelo. Kusukela ku-Anti-Money Laundering (AML) kuya ezinqubweni Zokwazi Ikhasimende Lakho (i-KYC), izixazululo eziqinile zobuchwepheshe bokuthobela zingahle ziqondise ngempumelelo imisebenzi yasebhange, zinciphise umzamo owenziwa ngezandla, futhi zinciphise izingozi.
Njengoba imithethonqubo ithuthuka futhi ikhula ibe nzima kakhulu, isidingo sokuhambisana nokuhambisana nesimo esishintshayo siyakhula. Kodwa nakuba izindleko zingaba phezulu - 32% yamabhange ase-UK ahlolwa ngo-2022 ayelindele ukuthi izindleko zawo zokuthobela imithetho zidlule u-5% wemali engenayo - amabhange angenza ukutshalwa kwezimali kubuchwepheshe bokuthobelana ukuze ekugcineni kube nemithelela emikhulu yebhizinisi.
Eminye yemithelela elindelekile kanye nezinzuzo zama-FIs zihlanganisa:
- Izinzuzo Ezisebenzayo: Ukuzenzakalela kwezinqubo zokuthobela kunciphisa amaphutha enziwa ngesandla futhi kusheshise ukuthathwa kwezinqumo.
- Ukunciphisa Ubungozi: Ukuqapha okuthuthukisiwe kanye nezixwayiso zesikhathi sangempela zisiza amabhange ukuthi ahlale ngaphambi kwezingozi ezingaba khona.
- Ukwehliswa Kwezindleko: Ngokuzenzakalela imisebenzi ephindaphindwayo, amabhange angakwazi ukwaba izinsiza ngendlela enamasu.
Abathengi futhi bazozuza ekusetshenzisweni kobuchwepheshe obengeziwe kubuchwepheshe obuhlobene nokuthobela imithetho. Okubaluleke kakhulu, izinyathelo eziqinile zokuthobela imithetho zivikela amakhasimende, zinciphise amathuba okukhwabanisa. Kukhona futhi izinzuzo ezitholakala kalula: izinqubo zokuthobelana ezilula kakhulu zisho ukuvulwa kwama-akhawunti okusheshayo nokudluliswa kwezimali.
2. ICybersecurity
Ukwenyuka kwezinsongo ku-inthanethi, ikakhulukazi njengoba i-AI iba ithuluzi elisetshenziswa kakhulu abagebengu be-inthanethi abayinkimbinkimbi nezinhlangano zobugebengu, kubangela inselelo enkulu emkhakheni wamabhange. Futhi njengoba amabhange esebenza nabathengisi bezinkampani zangaphandle kaningi ukuze anikeze amasevisi amaningi noma angcono, ulwazi lomuntu siqu oluhlonza amakhasimende (PII) luba sengcupheni yokuchayeka nakakhulu. Eqinisweni, ngoNovemba 2023 Bank of America kubika ukuthi ukwephulwa kwe-cybersecurity, lapho omunye wabathengisi bayo bagqekezwa khona, kubangele ukuchayeka kwe-PII yekhasimende.
Ukutshalwa kwezimali okuthuthukile kwe-cybersecurity kubalulekile ukuze kuvikelwe idatha yezezimali ebucayi, kuvinjwe ukwephulwa komthetho, nokugcina ukwethenjwa kwamakhasimende. Njengoba ukuhlasela kwe-inthanethi kuba yinkimbinkimbi, amabhange kufanele aqinise ukuzivikela kwawo futhi acabangele ubudlelwano bawo nabathengisi bezinkampani zangaphandle, ikakhulukazi uma labo bathengisi bekwazi ukufinyelela idatha ebucayi efanayo namabhange ayicubungulayo.
Imithelela elindelekile ihlanganisa:
- Ukuvikelwa Kwedatha: Izinyathelo eziqinile zokuphepha ku-inthanethi zivikela imininingwane yekhasimende ekufinyeleleni okungagunyaziwe.
- Ukuqina: Amabhange angaphendula ngokushesha ezehlakalweni, anciphise ukuphazamiseka.
- Ukuphathwa Kwegama: Ukuma okuqinile kokuphepha kuthuthukisa ukuzethemba kwamakhasimende.
Njengomphumela wotshalomali oluqhubekayo ekuvikelweni kwe-cybersecurity, abathengi bazoba nokuthula kwengqondo ngokwazi ukuthi idatha yabo ivikelekile, ngenzuzo eyengeziwe yokukhuthaza (futhi ngethemba lokukhuphuka) ukusebenzelana nezinsizakalo zebhange zedijithali.
I-3. Ukwenza okuthandwa nguwe
Esikhathini se-hyper-personalization, amabhange kufanele enze iminikelo yawo ihambisane nezintandokazi zomuntu ngamunye. Amaphesenti angamashumi ayisikhombisa nambili amakhasimende ahlolwe ku-Forrester's 2021 "Isifundo sabathengi ngokusebenza kahle kokwenza kube ngokwakho ku-FI” Umbiko ubike ukuthi okunikezwayo kwemikhiqizo yasebhange kubaluleke kakhulu uma kwenziwe ngokwezidingo zabo ngabanye. Futhi embikweni ka-2023, “Isimo Sokukhula Kokwenza Kube Ngokwakho Ezinsizeni Zezezimali,” yi-Dynamic Yield, ama-86% ezikhungo zezezimali ezihlolisisiwe zibike ukuthi ukwenza kube ngokwakho kuyinto ecacile, ebalulekile ebonakalayo yenkampani kanye namasu ayo edijithali jikelele; futhi ngaphezu kwalokho, lawo ma-92% e-FIs ahlela ukutshala imali eyengeziwe kuleli qhinga.
Ubuchwepheshe bokwenza kube ngokwakho buthuthukisa ukuhlaziya idatha, ukufunda ngomshini, kanye ne-AI ukuze kudalwe ukuzizwisa okungokwezifiso kumakhasimende. Kusukela kuzincomo zomkhiqizo womuntu siqu kuye ekukhangiseni okuhlosiwe okusekelwe olwazini asebenalo mayelana nekhasimende; amabhange angajulisa ukusebenzelana kwamakhasimende futhi andise ukuthengiswa kwemikhiqizo nesevisi.
Imithelela elindelekile ihlanganisa:
- Ukwaneliseka Kwekhasimende: Ukusebenzisana komuntu siqu kukhuthaza ubudlelwano obuqinile.
- Amathuba Okuthengisa Ngokuphambene: Izincomo ezihambisanayo ziqhuba ukwamukelwa komkhiqizo owengeziwe.
- I-Edge Yokuncintisana: Amabhange aqonda amakhasimende awo kangcono angakwazi ukudlula izimbangi.
Ngaphandle kwezinzuzo ezisobala ezikhungweni zezezimali, amakhasimende azo azothola izipesheli nezisombululo ezihambisana nezidingo zabo kanye nokuziphatha. Ukuletha okunikezwayo okwengeziwe okuhlosiwe kuzonciphisa isikhathi abathengi okufanele basichithe befuna ulwazi olufanele.
Imicabango Final
Njengoba amabhange ezulazula ekuthuthukisweni kwanamuhla kwezobuchwepheshe kanye nobunzima obukhulayo besimo sezimali, ukutshala imali kubuchwepheshe bokuthobelana, ukuphepha kwe-cybersecurity, kanye nokwenza kube ngokwakho kuzoba semqoka empumelelweni yawo eqhubekayo. Lezi zinketho zobuchwepheshe zamasu azigcini nje ngokuthuthukisa ukusebenza kahle ukuze kuqhutshekwe nokunciphisa izindleko zokwenza ibhizinisi ngaphansi kwezimo zemakethe zamanje, kodwa futhi kukhuphule ulwazi lwasebhange kubathengi, impumelelo esheshayo yomkhakha kanye nesibonakaliso salokho okuzayo.
- 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.fintechnews.org/three-technologies-banks-will-invest-more-in-this-year/
