Impela kubonakala sengathi izikhwama zethu zizizwa zincane
kulezi zinsuku. Ukugcwala ngepulasitiki kanye nekhadi lokwethembeka elikhohliwe elisuka kulokho
quirky isitolo vintage eholidini. Kodwa kuthiwani uma impilo yakho yezezimali ingaba njenge
sleek and streamlined as your favorite social feed? Faka izinkokhelo zenkundla yezokuxhumana
- inguquko ye-fintech eyenzekayo ngaphansi kwekhala lakho, noma kunalokho, isithupha sakho.
Emqondweni wayo, izinkokhelo zenkundla yezokuxhumana zinikeza okungenazihibe
ukuhlanganiswa kokuxhumana komphakathi kanye nokuthengiselana kwezezimali. Ngamafuphi, abantu
skrola kokuphakelayo kwabo futhi ngokuchofoza okumbalwa bangathenga abakubonayo
ngaphakathi kohlelo lokusebenza noma uthumele inkokhelo evikelekile ukuze unikele kwenye yezintandokazi zabo
izigigaba zabathonya.
Lokho umlingo wezinkokhelo zomphakathi, inhlanganisela engenamthungo
ukusebenzelana komphakathi kanye nemisebenzi yezezimali esekulungele ukuchaza kabusha ukuthi thina
phatha imali enkathini yedijithali.
Ukuhamba Emhlabeni Wonke: Ukuxhumanisa Umhlaba, Okukodwa
Okwenziwayo Ngesikhathi
Izinsuku zokulwa nesilinganiso sokushintsha imali ku-
sezindiza kudala zahamba. Izinkokhelo zenkundla yezokuxhumana, zifanekisela okuxhumene
uhlobo lwezinkundla zokuxhumana ngokwazo, zingadlula imingcele njengoba
ngokuzikhandla njenganoma iyiphi i-viral travel blogger egxuma amazwekazi.
Futhi ngezigidigidi ezizisebenzisayo, zinamandla okunikeza a
ukufinyelela emhlabeni jikelele kokuhwebelana kwezezimali, okusho ukuthi ukuthumela imali kubangani
noma umndeni phesheya, ukusekela izinhlangano ezisiza umphakathi, noma ngisho nokwenza ngokushesha
ukuthenga kulowo mthengisi wakwa-Etsy eFrance, konke kuba lula njengokuphindwe kabili
ngokucofa isithombe. Lokhu kukhuthaza ukufakwa kwezezimali, ukwenza amathuluzi ezezimali
ifinyeleleka kubabukeli abaningi, ngisho nasezifundeni ezinomkhawulo wokufinyelela kuzo
izinsiza zasebhange zendabuko.
Ukuphazamisa Isimo Esikhona: Izinkokhelo Zomphakathi njenge
i-Super App Springboard
Ngakho-ke, izinto zingase zingabi yilokho okubonakala. Izinkundla zokuxhumana
izinkokhelo azingezi nje inkinobho ethi “thenga manje” kokuphakelayo kwakho; bakhona
unyakazisa sona kanye isisekelo sezimali zendabuko. Ukuzamazama komhlaba kwezezimali
akuzwakali nje kuphela ngezinkampani zamakhadi esikweletu ezingaqinile, kodwa ngayo yonke inkokhelo
imvelo.
Esikhathini esizayo esiseduze, i-akhawunti yakho yasebhange ingase ivele iphile
ngaphakathi kohlelo lwakho lokusebenza oluthandayo lomphakathi. Ngeke kusaba ukushintshanisa phakathi kwamapulatifomu njengoba uzokhokha izikweletu zakho ngaphandle komthungo, uhlukanise ithebhu yesidlo sakusihlwa nabangani (okungenzeka ukuthi
wahlangana kuhlelo lokusebenza olufanayo), futhi utshale imali kuleyo crypto entsha eshisayo egcina okuphakelayo kwakho
ebhuza mayelana. Lezi izinkokhelo zengosi yezokuxhumana zesikhathi esizayo ziyasilimaza
ngase.
Futhi lokhu akuyona i-utopia ekude. I-WeChat e-China isivele isivele
ithole isimo sohlelo lokusebenza oluhle kakhulu, inikela ngayo yonke into kusukela ekuxhumaneni nomphakathi kuya ekudleni
ukulethwa kanye, vele, izinkokhelo, okwenza kube isitolo esisodwa sayo yonke into yedijithali,
kanye nezinkokhelo zomphakathi zibe iglue ekubambeni konke ndawonye.
Izikhondlakhondla zenkundla yezokuxhumana zaseNtshonalanga ziyaqaphela. Ngu
ukuhlanganisa izinkokhelo, azinikezi nje lula; bayakha
umbuso wedatha yomsebenzisi nemikhuba yokuchitha. Lokhu goldmine kolwazi ngeke
ukukhangisa okuqondiswe kuphethiloli kuzinga eliphezulu lomuntu siqu, okufiphalisa imigqa phakathi
ukuxhumana nomphakathi kanye nokumaketha okukholisayo. Okusiletha ku-Elon Musk yakamuva
ihamba.
Isu lika-X Liya Phambili
U-X (owayewaziwa ngo-Twitter) usanda kuthola imali
amalayisense okuhambisa avela e-Illinois naseNew Mexico, okwenza inani labo libe ngama-23.
Ukuphushwa kwamalayisensi okunamandla okwenziwe yisikhondlakhondla senkundla yezokuxhumana, manje esingaphansi kobuholi be
U-Elon Musk, uphawu olucacile lwezifiso zabo emdlalweni wokukhokha. Nge
ukwethulwa ezweni lonke kwesici sokukhokha maphakathi nonyaka kuwumgomo wabo oshiwo,
wonke amehlo athe njo kuX ukuze abone uma bekwazi ukuvikela amalayisensi asele futhi ube
umdlali omkhulu kule ndawo ephazamisayo.
Ngakho-ke, sikwikusasa le-dystopian elilawulwayo
ngezinkinobho ezifana neziphakamiso ze-algorithmic?
Kungenzeka. Kodwa izinkokhelo ezinkundleni zokuxhumana nazo zinkulu kakhulu
amandla entando yeningi njengoba engakwazi ukuvala igebe lokufakwa kwezimali,
ukwenza amathuluzi ezezimali afinyeleleke kubantu abaningi abangabhanga. Eqinisweni, kukhona ngisho
icala okufanele lenziwe mayelana nokuthi izinhlelo zokusebenza zingakuyisa kanjani phambili futhi zenze abasebenzisi basuke kokungenzi lutho
ukuskrolela ekubambeni iqhaza okusebenzayo ngokuba yinkundla yokuxhumana nomphakathi.
Ukuphazamiseka kuphezu kwethu, futhi kuyajabulisa, kuyethusa,
futhi ngokungenakuphikwa iguqula. Ukuthi izinkokhelo zenkundla yezokuxhumana ziba yi-
isiqalo se-utopia yohlelo lokusebenza oluhle kakhulu noma inkundla yokuxhumana nabantu engenakuqhathaniswa
ukukhwabanisa kusazobonakala. Kodwa into eyodwa eqinisekile: indlela esikhokha ngayo,
xhuma, futhi sebenzisa sekuseduze uthole ukulungiswa okukhulu kobuso. Bopha, futhi uzilungiselele
ukuchaza kabusha ukuthi kusho ukuthini ukuswayiphela kwesokudla...kwezezimali zakho.
Impela kubonakala sengathi izikhwama zethu zizizwa zincane
kulezi zinsuku. Ukugcwala ngepulasitiki kanye nekhadi lokwethembeka elikhohliwe elisuka kulokho
quirky isitolo vintage eholidini. Kodwa kuthiwani uma impilo yakho yezezimali ingaba njenge
sleek and streamlined as your favorite social feed? Faka izinkokhelo zenkundla yezokuxhumana
- inguquko ye-fintech eyenzekayo ngaphansi kwekhala lakho, noma kunalokho, isithupha sakho.
Emqondweni wayo, izinkokhelo zenkundla yezokuxhumana zinikeza okungenazihibe
ukuhlanganiswa kokuxhumana komphakathi kanye nokuthengiselana kwezezimali. Ngamafuphi, abantu
skrola kokuphakelayo kwabo futhi ngokuchofoza okumbalwa bangathenga abakubonayo
ngaphakathi kohlelo lokusebenza noma uthumele inkokhelo evikelekile ukuze unikele kwenye yezintandokazi zabo
izigigaba zabathonya.
Lokho umlingo wezinkokhelo zomphakathi, inhlanganisela engenamthungo
ukusebenzelana komphakathi kanye nemisebenzi yezezimali esekulungele ukuchaza kabusha ukuthi thina
phatha imali enkathini yedijithali.
Ukuhamba Emhlabeni Wonke: Ukuxhumanisa Umhlaba, Okukodwa
Okwenziwayo Ngesikhathi
Izinsuku zokulwa nesilinganiso sokushintsha imali ku-
sezindiza kudala zahamba. Izinkokhelo zenkundla yezokuxhumana, zifanekisela okuxhumene
uhlobo lwezinkundla zokuxhumana ngokwazo, zingadlula imingcele njengoba
ngokuzikhandla njenganoma iyiphi i-viral travel blogger egxuma amazwekazi.
Futhi ngezigidigidi ezizisebenzisayo, zinamandla okunikeza a
ukufinyelela emhlabeni jikelele kokuhwebelana kwezezimali, okusho ukuthi ukuthumela imali kubangani
noma umndeni phesheya, ukusekela izinhlangano ezisiza umphakathi, noma ngisho nokwenza ngokushesha
ukuthenga kulowo mthengisi wakwa-Etsy eFrance, konke kuba lula njengokuphindwe kabili
ngokucofa isithombe. Lokhu kukhuthaza ukufakwa kwezezimali, ukwenza amathuluzi ezezimali
ifinyeleleka kubabukeli abaningi, ngisho nasezifundeni ezinomkhawulo wokufinyelela kuzo
izinsiza zasebhange zendabuko.
Ukuphazamisa Isimo Esikhona: Izinkokhelo Zomphakathi njenge
i-Super App Springboard
Ngakho-ke, izinto zingase zingabi yilokho okubonakala. Izinkundla zokuxhumana
izinkokhelo azingezi nje inkinobho ethi “thenga manje” kokuphakelayo kwakho; bakhona
unyakazisa sona kanye isisekelo sezimali zendabuko. Ukuzamazama komhlaba kwezezimali
akuzwakali nje kuphela ngezinkampani zamakhadi esikweletu ezingaqinile, kodwa ngayo yonke inkokhelo
imvelo.
Esikhathini esizayo esiseduze, i-akhawunti yakho yasebhange ingase ivele iphile
ngaphakathi kohlelo lwakho lokusebenza oluthandayo lomphakathi. Ngeke kusaba ukushintshanisa phakathi kwamapulatifomu njengoba uzokhokha izikweletu zakho ngaphandle komthungo, uhlukanise ithebhu yesidlo sakusihlwa nabangani (okungenzeka ukuthi
wahlangana kuhlelo lokusebenza olufanayo), futhi utshale imali kuleyo crypto entsha eshisayo egcina okuphakelayo kwakho
ebhuza mayelana. Lezi izinkokhelo zengosi yezokuxhumana zesikhathi esizayo ziyasilimaza
ngase.
Futhi lokhu akuyona i-utopia ekude. I-WeChat e-China isivele isivele
ithole isimo sohlelo lokusebenza oluhle kakhulu, inikela ngayo yonke into kusukela ekuxhumaneni nomphakathi kuya ekudleni
ukulethwa kanye, vele, izinkokhelo, okwenza kube isitolo esisodwa sayo yonke into yedijithali,
kanye nezinkokhelo zomphakathi zibe iglue ekubambeni konke ndawonye.
Izikhondlakhondla zenkundla yezokuxhumana zaseNtshonalanga ziyaqaphela. Ngu
ukuhlanganisa izinkokhelo, azinikezi nje lula; bayakha
umbuso wedatha yomsebenzisi nemikhuba yokuchitha. Lokhu goldmine kolwazi ngeke
ukukhangisa okuqondiswe kuphethiloli kuzinga eliphezulu lomuntu siqu, okufiphalisa imigqa phakathi
ukuxhumana nomphakathi kanye nokumaketha okukholisayo. Okusiletha ku-Elon Musk yakamuva
ihamba.
Isu lika-X Liya Phambili
U-X (owayewaziwa ngo-Twitter) usanda kuthola imali
amalayisense okuhambisa avela e-Illinois naseNew Mexico, okwenza inani labo libe ngama-23.
Ukuphushwa kwamalayisensi okunamandla okwenziwe yisikhondlakhondla senkundla yezokuxhumana, manje esingaphansi kobuholi be
U-Elon Musk, uphawu olucacile lwezifiso zabo emdlalweni wokukhokha. Nge
ukwethulwa ezweni lonke kwesici sokukhokha maphakathi nonyaka kuwumgomo wabo oshiwo,
wonke amehlo athe njo kuX ukuze abone uma bekwazi ukuvikela amalayisensi asele futhi ube
umdlali omkhulu kule ndawo ephazamisayo.
Ngakho-ke, sikwikusasa le-dystopian elilawulwayo
ngezinkinobho ezifana neziphakamiso ze-algorithmic?
Kungenzeka. Kodwa izinkokhelo ezinkundleni zokuxhumana nazo zinkulu kakhulu
amandla entando yeningi njengoba engakwazi ukuvala igebe lokufakwa kwezimali,
ukwenza amathuluzi ezezimali afinyeleleke kubantu abaningi abangabhanga. Eqinisweni, kukhona ngisho
icala okufanele lenziwe mayelana nokuthi izinhlelo zokusebenza zingakuyisa kanjani phambili futhi zenze abasebenzisi basuke kokungenzi lutho
ukuskrolela ekubambeni iqhaza okusebenzayo ngokuba yinkundla yokuxhumana nomphakathi.
Ukuphazamiseka kuphezu kwethu, futhi kuyajabulisa, kuyethusa,
futhi ngokungenakuphikwa iguqula. Ukuthi izinkokhelo zenkundla yezokuxhumana ziba yi-
isiqalo se-utopia yohlelo lokusebenza oluhle kakhulu noma inkundla yokuxhumana nabantu engenakuqhathaniswa
ukukhwabanisa kusazobonakala. Kodwa into eyodwa eqinisekile: indlela esikhokha ngayo,
xhuma, futhi sebenzisa sekuseduze uthole ukulungiswa okukhulu kobuso. Bopha, futhi uzilungiselele
ukuchaza kabusha ukuthi kusho ukuthini ukuswayiphela kwesokudla...kwezezimali zakho.
- 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/fintok-gamification-and-social-media-payments/
