Imbulunga inakho
sibone ukukhula okungenakuqhathaniswa kwezobuchwepheshe bezezimali, ngezinye izikhathi ezaziwa ngokuthi i-fintech,
eminyakeni yakamuva. Ubuchwepheshe nokuhlanganiswa kwezimali kube nomphumela omuhle kakhulu
ukuthuthukiswa, ukushintsha izinhlelo zezezimali zendabuko kanye nokunika amandla abantu ngabanye
namabhizinisi ngokufanayo.
Ngo-2023 i-fintech
imboni iqalelwa elinye ishumi leminyaka eliphazamisayo elimakwe ngobuchwepheshe obusha kanye
izitayela ezikhulayo. Kulesi sihloko, sizobheka i-2023 fintech boom futhi
veza ubuchwepheshe nemibono yakamuva ezoshintsha ikusasa le
izimali.
Revolution
kuDecentralized Finance (DeFi)
Ukuphakama
ezezimali ezimisiwe, noma i-DeFi, ingenye yentuthuko ebaluleke kakhulu
inkambu ye-fintech. Izinhlelo ze-DeFi, ezisekelwe kubuchwepheshe be-blockchain, zihlose
ukwenza intando yeningi izinsizakalo zezezimali ngokususa abaxhumanisi kanye nokuletha
ezinye izindlela zontanga.
Singalindela
indawo ye-DeFi ukuthi ikhule nakakhulu ngo-2023, ivumela ezihlukahlukene
ukubolekwa, ukuboleka, kanye namathuba okuhweba ngokwehlukana. I-DeFi ine-
amandla okushintsha izinqubo zamabhange kanye nokutshalwa kwezimali okujwayelekile, sibonga
izinkontileka ezihlakaniphile ezinika amandla okwenziwayo okuzenzakalelayo kanye nokubonisa ngale okungcono.
Kuqinisiwe
Izakhiwo Zokulawula
Njengoba i-fintech
iyaqhubeka nokushintsha isimo sezezimali, ama-ejensi alawulayo ayazama
ukwakha izinhlaka ezilinganisa ukuqanjwa kabusha nokuphepha kwabathengi. Ngo-2023, thina
kufanele ilindele ukwanda kwemizamo yokulawula ukugcina ukuthobela ngenkathi
ukukhuthaza ukukhula kwe-fintech.
Lezi zinyathelo
ingafaka imikhawulo yokushintshaniswa kwe-bitcoin, imithetho yobumfihlo bedatha, kanye
izinyathelo zokuphepha mayelana nomsebenzi wokukhwabanisa. Imithetho ecacile izodala isitebele
isimo sezulu lapho amabhizinisi e-fintech angase aphumelele, ahehe izikhungo
abatshalizimali kulo mkhakha.
Ukunwetshwa kwe
Imakethe ye-Cryptocurrency
Ama-cryptocurrencies
abe yingxenye ebalulekile ye-ecosystem yezezimali, kanye nezabo
ukuthandwa kuzoqhubeka nokukhula ngo-2023. Amanye ama-cryptocurrencies ayakhula
traction, ne-Bitcoin ehamba phambili.
Kumele
lindela izinhlamvu zemali ezintsha, intuthuko ye-tokenomics, nokusetshenziswa okwengeziwe ngamabhizinisi kanye
abathengi onyakeni ozayo. Ngaphezu kwalokho, ukufakwa kwe-
cryptocurrencies zibe imisebenzi evamile yezezimali, njengokuthenga inthanethi kanye
imali ethunyelwayo, izokwengeza ekukhuphukeni kwemakethe ye-cryptocurrency.
Inkokhelo
Izixazululo Zekusasa
Indlela esenza ngayo
izinkokhelo zishintsha kakhulu, futhi u-2023 usuyabona ukufika kuka
izinhlelo zokukhokha zesizukulwane esilandelayo. Izinkokhelo ezingaxhunywanga, ezinikwe amandla yi-close-field
ubuchwepheshe bezokuxhumana (NFC), buzokhula ekudumeni njengoba buhlinzeka kalula
kanye nokuphepha okuthuthukisiwe. Izindlela zokuqinisekisa ze-biometric ezifana nezigxivizo zeminwe kanye
ukuqashelwa kobuso nakho kuzoduma kakhulu, kuqinisekise ukuphepha nokungenamthungo
ukuthengiselana.
Ngaphezu kwalokho,
izinkokhelo zamathokheni zisebenzisa ubuchwepheshe be-blockchain zizovumela ukushesha
imisebenzi ewela umngcele ngenkathi wehlisa izinkokhelo futhi ususa abaxhumanisi.
Intuthuko ku
Intelligence Intelligence (AI)
I-Artificial
ezobunhloli ziguqula izimboni ezimbalwa, kuhlanganisa nezezimali. Ngokuqhubekayo
ukuthuthukiswa kwezicelo zezezimali ezixhaswe yi-AI kulindeleke ngo-2023. Kukhulu
amanani edatha yezezimali azohlaziywa ngama-algorithms e-AI, alethe ewusizo
imininingwane yezeluleko zokutshala izimali ezifanelana nawe, ukulawula ubungozi, nokutholwa kokukhwabanisa.
Izingxoxo nezingxoxo
abasizi be-virtual bazoqhubeka nokuthuthukisa ukuzizwisa kwamaklayenti ngokuhlinzeka
ukwelulekwa ngokwezezimali ngesikhathi sangempela kanye nokwesekwa okusheshayo. Ukufakwa kwe
i-artificial intelligence (AI) ezinkundleni zezimali izothuthukisa ukusebenza kahle,
ukunemba, kanye nenjabulo yomthengi.
Izindlela
ku-Open Banking
Ibhange elivulekile
ukuthola ukuthandwa emhlabeni wonke, futhi umthelela wayo uzoqhubeka nokukhula phakathi
2023. Izikhungo zezezimali zikhuthazwa yizinhlelo zamabhange ezivulekile ukuze
shintshanisa ngokuphephile idatha yomthengi nezinkampani zangaphandle ezigunyaziwe. Le datha
ukushintshana kuvumela izinsizakalo zezezimali ezizimele, isikweletu esingcono
ukuhlola, nokuhlanganiswa kwe-akhawunti okusebenza kahle kakhulu.
Abathengi bazokwenza
babe nokulawula okwengeziwe kulwazi lwabo lwezezimali futhi bazokwazi ukufinyelela a
izinhlobonhlobo zezinsizakalo ezintsha ze-fintech. Ukusebenzisana phakathi kwamabhange endabuko
futhi amafemu e-fintech azokhuthaza ukusungulwa kanye nokuthuthukiswa kwezimpahla ezintsha
nezinsizakalo.
Solutions
Kwezezimali Zesikhathi Eside
Esimeme
izixazululo zezezimali ziya ngokuya zibaluleka emkhakheni we-fintech
ekuphenduleni ukukhathazeka okukhulayo kwezemvelo. Ezemvelo, Ezenhlalakahle, kanye
Ukucatshangelwa kwezokuBusa (ESG) kuya ngokuya kufakwa ekutshalweni kwezimali
izinqumo, ezivumela abantu nezinhlangano ukuthi zisekele ngokwezemvelo
izinhlelo ezinomthwalo wemfanelo.
Ukuhlangana ne
isidingo esikhulayo sezimpahla zezezimali ezinomthwalo wemfanelo emphakathini, amapulatifomu e-fintech azokwazi
ukuhlinzeka ngezinketho zokutshala izimali eziluhlaza njengamaphrojekthi wamandla avuselelekayo kanye
izimali ezisimeme. Ukuhlanganiswa kwe-fintech nokusimama kuzosiza ekwenzeni
ukuguqukela emnothweni oluhlaza, osimeme.
The
Ukuhlangana kwezinhlelo zokusebenza ze-Fintech, i-Crypto, ne-Web 3: Unyaka Oguquguqukayo Wezezimali
e 2023
Njengobuchwepheshe
iyaqhubeka nokuthuthuka ngesivinini esingakaze sibonwe, u-2023 usulungele ukuba yi-
isikhathi esibalulekile embonini yezezimali. Ukuhlanganiswa kwe-fintech,
i-cryptocurrency, kanye nezinhlelo zokusebenza zewebhu 3 zisethelwe ukuguqula indlela thina
transak, invest, and interact with financial services.
Njengoba lezi
ubuchwepheshe buyaqhubeka nokuhlangana, kubalulekile kubalawuli, izimboni
abadlali, kanye nabathengi ukuzivumelanisa nokwamukela amathuba angaphambili.
Ikusasa lika
ezezimali ngempela isiphezu kwenguquko emangalisayo, futhi u-2023 usesikhathini
ilungele ukuba unyaka ozobeka inkundla yalolu shintsho lwepharadigm.
Ukuvuka kwe
Fintech
Ngesikhathi esedlule
Ishumi leminyaka, i-fintech isheshe yazuza ukuthambekela, yaphazamisa ezezimali zendabuko
izikhungo kanye nezinsizakalo zezezimali ezishintshile. Izinkampani ze-Fintech ziyasiza
ubuchwepheshe ukuhlinzeka ngezixazululo ezintsha, izinqubo ezilula, kanye nokuthuthukisa
okuhlangenwe nakho kwamakhasimende. Kodwa-ke, kuze kube muva nje, ubudlelwane phakathi kwe-fintech
kanye ne-cryptocurrencies yahlala ihlukene ngokuqhathaniswa.
The
Ukuvela kwe-Crypto
Ama-Cryptocurrencies,
eholwa yiBitcoin, ivele njengamandla aphazamisayo ngaphakathi kwezezimali
indawo. Nakuba ekuqaleni behlangana nokungabaza, baye bathola okujwayelekile
ukwamukelwa, ukuheha abatshalizimali, izikhungo, ngisho namabhange amakhulu. I
Ubuchwepheshe obuyisisekelo be-cryptocurrencies, i-blockchain, bubonisile
amathuba okuba sobala, ukuphepha, nokusebenza kahle kwezentengiselwano zezimali.
The
Ukwenyuka Kwezinhlelo Zokusebenza Zewebhu 3
3 Web
izinhlelo zokusebenza, ezakhelwe phezu kwezakhiwo ezinwetshiwe ezifana ne-blockchain kanye
ubuchwepheshe be-ledger esabalalisiwe, zihlelelwe ukuthi ziqhubeke nokuguqula ezezimali
landscape ngo-2023. Lezi zinhlelo zokusebenza zinika amandla ukuthengiselana kontanga kuya kontanga,
ukususa isidingo sabalamuli kanye nokuthuthukisa ukulawula komsebenzisi phezu kwabo
idatha. Izinhlelo zokusebenza ze-Web 3 futhi zisiza izinkontileka ezihlakaniphile, ezizenzakalelayo futhi ziphoqelele
izivumelwano zenkontileka, ukunciphisa izindleko nokwandisa ukusebenza kahle.
The
Kuhlangana
i-fintech,
ama-cryptocurrencies, kanye nezinhlelo zokusebenza zewebhu 3 cishe zizohlangana ngo-2023, kufiphale
imigqa phakathi kwalezi zizinda ezihlukene ngaphambilini. Izinkampani ze-Fintech
ukuqaphela amandla e-cryptocurrencies kanye nobuchwepheshe be-blockchain,
ukuwafaka ekunikeni kwawo ukuthuthukisa ukuphepha, isivinini, kanye
obala. Ngaphezu kwalokho, iziqalo ze-crypto ziya ngokuya zihlinzeka ngokwesiko
izinsiza zezezimali, ukuvala igebe phakathi kwale mihlaba emibili.
Izinzuzo ze
Imboni Yezezimali
Lokhu
convergence imele ukunikeza izinzuzo eziningi embonini yezezimali:
- Yanda
Ukufakwa Kwezezimali: Izinhlelo zokusebenza zeWeb 3 zingahlinzeka ngezinsizakalo zezezimali ku
abantu abangenamabhange nabangenawo amabhange ngokusetshenziswa kobunikazi obuhlukaniselwe futhi
ukwenza lula ama-microtransaction, okuvumela ukufinyelela okubanzi ezinsizeni zezezimali. - Kuqinisiwe
Ukuphepha Nobumfihlo: Ubuchwepheshe beBlockchain buqinisekisa ukuphepha okuqinile kanye
ukubeka izinto obala, ukunciphisa ingcuphe yokukhwabanisa, ukwephulwa kwedatha, nokwebiwa kobunikazi.
Abasebenzisi bathola ukulawula okukhulu kulwazi lwabo lomuntu siqu, okubanika amandla okwenza kanjalo
yabelana kuphela lokho okudingekayo. - Ithuthukisiwe
Ukusebenza kahle kanye Nokwehliswa Kwezindleko: Izinhlelo zokusebenza ze-Web 3 nezinkontileka ezihlakaniphile ziyazenzakalela
izinqubo zezezimali eziyinkimbinkimbi, eziqeda isidingo sabalamuli. Lokhu
kubangela ukukhokhelwa okusheshayo kokwenziwe, izindleko ezincishisiwe, futhi zanda
ukusebenza kahle kwamabhizinisi nakubantu ngokufanayo. - Intando yeningi
of Investing: Cryptocurrencies kanye tokenization kuvuleke izindlela ezintsha for
ukutshalwa kwezimali, okuvumela ubunikazi obuyingxenye bezimpahla kanye nokuhlinzeka ngokufinyelela
izimakethe ngaphambilini illiquid. Amapulatifomu e-Fintech angasebenzisa lezi zindlela ezintsha
ukunika amandla abatshalizimali abadayisayo ukuthi babambe iqhaza kumakilasi ezimpahla ngokwesiko
kubekelwe abatshalizimali bezikhungo. - Innovation
kanye Nokubambisana: Ukuhlangana kwe-fintech, i-crypto, kanye nezinhlelo zokusebenza zewebhu ezi-3 ezikhuthazayo
ukusebenzisana phakathi kwezikhungo zezimali zendabuko kanye nabaqalayo abasafufusa.
Lokhu kubambisana kukhuthaza ukuqamba okusha, kuqhuba ukuthuthukiswa komkhiqizo, kanye
ekugcineni kuzuzisa abathengi ngemikhiqizo namasevisi wezezimali angcono.
Isiphetho
Unyaka ka-2023
kunesithembiso esikhulu semboni ye-fintech, ngokushintsha umdlalo
impumelelo kanye nezitayela ezivelayo esezilungele ukwenza izinguquko kwezezimali
indawo. Ibhizinisi lizoqhutshwa phambili ngezimali ezihlukaniselwe,
ukuthuthukiswa kwezinhlaka zokulawula, kanye nokwanda kwemakethe ye-cryptocurrency.
Izinkokhelo ezingaxhunywanga, ukuqinisekiswa kwebhayomethrikhi, kanye nokwenziwe ngamathokheni kuzokwenza
amafutha ezixazululo zokukhokha zesizukulwane esilandelayo, ukuguqula indlela esenza ngayo
izinkokhelo.
I-AI izokwenza
qhubeka nokwenza ngcono ukukhiqiza kanye nolwazi lwamakhasimende, kuyilapho uvula ibhange
izinhlelo zizokhuthaza ukusebenzisana nokusungula izinto ezintsha. Ngaphezu kwalokho,
Izisombululo zezimali ezisimeme zizosiza ukudala indawo ezungezile
uhlelo lwezezimali olunobungane nolubophezelekile emphakathini. Isikhathi esijabulisayo
kubo bobabili abahlanganyeli bemboni kanye namakhasimende njengoba sisondela ku-fintech boom in
2023, namandla angapheli okukhula noshintsho emkhathizwe.
Hlala ubukele njengoba sibuka la mathrendi athakazelisayo avela futhi amukele ikusasa
wezezimali.
Imbulunga inakho
sibone ukukhula okungenakuqhathaniswa kwezobuchwepheshe bezezimali, ngezinye izikhathi ezaziwa ngokuthi i-fintech,
eminyakeni yakamuva. Ubuchwepheshe nokuhlanganiswa kwezimali kube nomphumela omuhle kakhulu
ukuthuthukiswa, ukushintsha izinhlelo zezezimali zendabuko kanye nokunika amandla abantu ngabanye
namabhizinisi ngokufanayo.
Ngo-2023 i-fintech
imboni iqalelwa elinye ishumi leminyaka eliphazamisayo elimakwe ngobuchwepheshe obusha kanye
izitayela ezikhulayo. Kulesi sihloko, sizobheka i-2023 fintech boom futhi
veza ubuchwepheshe nemibono yakamuva ezoshintsha ikusasa le
izimali.
Revolution
kuDecentralized Finance (DeFi)
Ukuphakama
ezezimali ezimisiwe, noma i-DeFi, ingenye yentuthuko ebaluleke kakhulu
inkambu ye-fintech. Izinhlelo ze-DeFi, ezisekelwe kubuchwepheshe be-blockchain, zihlose
ukwenza intando yeningi izinsizakalo zezezimali ngokususa abaxhumanisi kanye nokuletha
ezinye izindlela zontanga.
Singalindela
indawo ye-DeFi ukuthi ikhule nakakhulu ngo-2023, ivumela ezihlukahlukene
ukubolekwa, ukuboleka, kanye namathuba okuhweba ngokwehlukana. I-DeFi ine-
amandla okushintsha izinqubo zamabhange kanye nokutshalwa kwezimali okujwayelekile, sibonga
izinkontileka ezihlakaniphile ezinika amandla okwenziwayo okuzenzakalelayo kanye nokubonisa ngale okungcono.
Kuqinisiwe
Izakhiwo Zokulawula
Njengoba i-fintech
iyaqhubeka nokushintsha isimo sezezimali, ama-ejensi alawulayo ayazama
ukwakha izinhlaka ezilinganisa ukuqanjwa kabusha nokuphepha kwabathengi. Ngo-2023, thina
kufanele ilindele ukwanda kwemizamo yokulawula ukugcina ukuthobela ngenkathi
ukukhuthaza ukukhula kwe-fintech.
Lezi zinyathelo
ingafaka imikhawulo yokushintshaniswa kwe-bitcoin, imithetho yobumfihlo bedatha, kanye
izinyathelo zokuphepha mayelana nomsebenzi wokukhwabanisa. Imithetho ecacile izodala isitebele
isimo sezulu lapho amabhizinisi e-fintech angase aphumelele, ahehe izikhungo
abatshalizimali kulo mkhakha.
Ukunwetshwa kwe
Imakethe ye-Cryptocurrency
Ama-cryptocurrencies
abe yingxenye ebalulekile ye-ecosystem yezezimali, kanye nezabo
ukuthandwa kuzoqhubeka nokukhula ngo-2023. Amanye ama-cryptocurrencies ayakhula
traction, ne-Bitcoin ehamba phambili.
Kumele
lindela izinhlamvu zemali ezintsha, intuthuko ye-tokenomics, nokusetshenziswa okwengeziwe ngamabhizinisi kanye
abathengi onyakeni ozayo. Ngaphezu kwalokho, ukufakwa kwe-
cryptocurrencies zibe imisebenzi evamile yezezimali, njengokuthenga inthanethi kanye
imali ethunyelwayo, izokwengeza ekukhuphukeni kwemakethe ye-cryptocurrency.
Inkokhelo
Izixazululo Zekusasa
Indlela esenza ngayo
izinkokhelo zishintsha kakhulu, futhi u-2023 usuyabona ukufika kuka
izinhlelo zokukhokha zesizukulwane esilandelayo. Izinkokhelo ezingaxhunywanga, ezinikwe amandla yi-close-field
ubuchwepheshe bezokuxhumana (NFC), buzokhula ekudumeni njengoba buhlinzeka kalula
kanye nokuphepha okuthuthukisiwe. Izindlela zokuqinisekisa ze-biometric ezifana nezigxivizo zeminwe kanye
ukuqashelwa kobuso nakho kuzoduma kakhulu, kuqinisekise ukuphepha nokungenamthungo
ukuthengiselana.
Ngaphezu kwalokho,
izinkokhelo zamathokheni zisebenzisa ubuchwepheshe be-blockchain zizovumela ukushesha
imisebenzi ewela umngcele ngenkathi wehlisa izinkokhelo futhi ususa abaxhumanisi.
Intuthuko ku
Intelligence Intelligence (AI)
I-Artificial
ezobunhloli ziguqula izimboni ezimbalwa, kuhlanganisa nezezimali. Ngokuqhubekayo
ukuthuthukiswa kwezicelo zezezimali ezixhaswe yi-AI kulindeleke ngo-2023. Kukhulu
amanani edatha yezezimali azohlaziywa ngama-algorithms e-AI, alethe ewusizo
imininingwane yezeluleko zokutshala izimali ezifanelana nawe, ukulawula ubungozi, nokutholwa kokukhwabanisa.
Izingxoxo nezingxoxo
abasizi be-virtual bazoqhubeka nokuthuthukisa ukuzizwisa kwamaklayenti ngokuhlinzeka
ukwelulekwa ngokwezezimali ngesikhathi sangempela kanye nokwesekwa okusheshayo. Ukufakwa kwe
i-artificial intelligence (AI) ezinkundleni zezimali izothuthukisa ukusebenza kahle,
ukunemba, kanye nenjabulo yomthengi.
Izindlela
ku-Open Banking
Ibhange elivulekile
ukuthola ukuthandwa emhlabeni wonke, futhi umthelela wayo uzoqhubeka nokukhula phakathi
2023. Izikhungo zezezimali zikhuthazwa yizinhlelo zamabhange ezivulekile ukuze
shintshanisa ngokuphephile idatha yomthengi nezinkampani zangaphandle ezigunyaziwe. Le datha
ukushintshana kuvumela izinsizakalo zezezimali ezizimele, isikweletu esingcono
ukuhlola, nokuhlanganiswa kwe-akhawunti okusebenza kahle kakhulu.
Abathengi bazokwenza
babe nokulawula okwengeziwe kulwazi lwabo lwezezimali futhi bazokwazi ukufinyelela a
izinhlobonhlobo zezinsizakalo ezintsha ze-fintech. Ukusebenzisana phakathi kwamabhange endabuko
futhi amafemu e-fintech azokhuthaza ukusungulwa kanye nokuthuthukiswa kwezimpahla ezintsha
nezinsizakalo.
Solutions
Kwezezimali Zesikhathi Eside
Esimeme
izixazululo zezezimali ziya ngokuya zibaluleka emkhakheni we-fintech
ekuphenduleni ukukhathazeka okukhulayo kwezemvelo. Ezemvelo, Ezenhlalakahle, kanye
Ukucatshangelwa kwezokuBusa (ESG) kuya ngokuya kufakwa ekutshalweni kwezimali
izinqumo, ezivumela abantu nezinhlangano ukuthi zisekele ngokwezemvelo
izinhlelo ezinomthwalo wemfanelo.
Ukuhlangana ne
isidingo esikhulayo sezimpahla zezezimali ezinomthwalo wemfanelo emphakathini, amapulatifomu e-fintech azokwazi
ukuhlinzeka ngezinketho zokutshala izimali eziluhlaza njengamaphrojekthi wamandla avuselelekayo kanye
izimali ezisimeme. Ukuhlanganiswa kwe-fintech nokusimama kuzosiza ekwenzeni
ukuguqukela emnothweni oluhlaza, osimeme.
The
Ukuhlangana kwezinhlelo zokusebenza ze-Fintech, i-Crypto, ne-Web 3: Unyaka Oguquguqukayo Wezezimali
e 2023
Njengobuchwepheshe
iyaqhubeka nokuthuthuka ngesivinini esingakaze sibonwe, u-2023 usulungele ukuba yi-
isikhathi esibalulekile embonini yezezimali. Ukuhlanganiswa kwe-fintech,
i-cryptocurrency, kanye nezinhlelo zokusebenza zewebhu 3 zisethelwe ukuguqula indlela thina
transak, invest, and interact with financial services.
Njengoba lezi
ubuchwepheshe buyaqhubeka nokuhlangana, kubalulekile kubalawuli, izimboni
abadlali, kanye nabathengi ukuzivumelanisa nokwamukela amathuba angaphambili.
Ikusasa lika
ezezimali ngempela isiphezu kwenguquko emangalisayo, futhi u-2023 usesikhathini
ilungele ukuba unyaka ozobeka inkundla yalolu shintsho lwepharadigm.
Ukuvuka kwe
Fintech
Ngesikhathi esedlule
Ishumi leminyaka, i-fintech isheshe yazuza ukuthambekela, yaphazamisa ezezimali zendabuko
izikhungo kanye nezinsizakalo zezezimali ezishintshile. Izinkampani ze-Fintech ziyasiza
ubuchwepheshe ukuhlinzeka ngezixazululo ezintsha, izinqubo ezilula, kanye nokuthuthukisa
okuhlangenwe nakho kwamakhasimende. Kodwa-ke, kuze kube muva nje, ubudlelwane phakathi kwe-fintech
kanye ne-cryptocurrencies yahlala ihlukene ngokuqhathaniswa.
The
Ukuvela kwe-Crypto
Ama-Cryptocurrencies,
eholwa yiBitcoin, ivele njengamandla aphazamisayo ngaphakathi kwezezimali
indawo. Nakuba ekuqaleni behlangana nokungabaza, baye bathola okujwayelekile
ukwamukelwa, ukuheha abatshalizimali, izikhungo, ngisho namabhange amakhulu. I
Ubuchwepheshe obuyisisekelo be-cryptocurrencies, i-blockchain, bubonisile
amathuba okuba sobala, ukuphepha, nokusebenza kahle kwezentengiselwano zezimali.
The
Ukwenyuka Kwezinhlelo Zokusebenza Zewebhu 3
3 Web
izinhlelo zokusebenza, ezakhelwe phezu kwezakhiwo ezinwetshiwe ezifana ne-blockchain kanye
ubuchwepheshe be-ledger esabalalisiwe, zihlelelwe ukuthi ziqhubeke nokuguqula ezezimali
landscape ngo-2023. Lezi zinhlelo zokusebenza zinika amandla ukuthengiselana kontanga kuya kontanga,
ukususa isidingo sabalamuli kanye nokuthuthukisa ukulawula komsebenzisi phezu kwabo
idatha. Izinhlelo zokusebenza ze-Web 3 futhi zisiza izinkontileka ezihlakaniphile, ezizenzakalelayo futhi ziphoqelele
izivumelwano zenkontileka, ukunciphisa izindleko nokwandisa ukusebenza kahle.
The
Kuhlangana
i-fintech,
ama-cryptocurrencies, kanye nezinhlelo zokusebenza zewebhu 3 cishe zizohlangana ngo-2023, kufiphale
imigqa phakathi kwalezi zizinda ezihlukene ngaphambilini. Izinkampani ze-Fintech
ukuqaphela amandla e-cryptocurrencies kanye nobuchwepheshe be-blockchain,
ukuwafaka ekunikeni kwawo ukuthuthukisa ukuphepha, isivinini, kanye
obala. Ngaphezu kwalokho, iziqalo ze-crypto ziya ngokuya zihlinzeka ngokwesiko
izinsiza zezezimali, ukuvala igebe phakathi kwale mihlaba emibili.
Izinzuzo ze
Imboni Yezezimali
Lokhu
convergence imele ukunikeza izinzuzo eziningi embonini yezezimali:
- Yanda
Ukufakwa Kwezezimali: Izinhlelo zokusebenza zeWeb 3 zingahlinzeka ngezinsizakalo zezezimali ku
abantu abangenamabhange nabangenawo amabhange ngokusetshenziswa kobunikazi obuhlukaniselwe futhi
ukwenza lula ama-microtransaction, okuvumela ukufinyelela okubanzi ezinsizeni zezezimali. - Kuqinisiwe
Ukuphepha Nobumfihlo: Ubuchwepheshe beBlockchain buqinisekisa ukuphepha okuqinile kanye
ukubeka izinto obala, ukunciphisa ingcuphe yokukhwabanisa, ukwephulwa kwedatha, nokwebiwa kobunikazi.
Abasebenzisi bathola ukulawula okukhulu kulwazi lwabo lomuntu siqu, okubanika amandla okwenza kanjalo
yabelana kuphela lokho okudingekayo. - Ithuthukisiwe
Ukusebenza kahle kanye Nokwehliswa Kwezindleko: Izinhlelo zokusebenza ze-Web 3 nezinkontileka ezihlakaniphile ziyazenzakalela
izinqubo zezezimali eziyinkimbinkimbi, eziqeda isidingo sabalamuli. Lokhu
kubangela ukukhokhelwa okusheshayo kokwenziwe, izindleko ezincishisiwe, futhi zanda
ukusebenza kahle kwamabhizinisi nakubantu ngokufanayo. - Intando yeningi
of Investing: Cryptocurrencies kanye tokenization kuvuleke izindlela ezintsha for
ukutshalwa kwezimali, okuvumela ubunikazi obuyingxenye bezimpahla kanye nokuhlinzeka ngokufinyelela
izimakethe ngaphambilini illiquid. Amapulatifomu e-Fintech angasebenzisa lezi zindlela ezintsha
ukunika amandla abatshalizimali abadayisayo ukuthi babambe iqhaza kumakilasi ezimpahla ngokwesiko
kubekelwe abatshalizimali bezikhungo. - Innovation
kanye Nokubambisana: Ukuhlangana kwe-fintech, i-crypto, kanye nezinhlelo zokusebenza zewebhu ezi-3 ezikhuthazayo
ukusebenzisana phakathi kwezikhungo zezimali zendabuko kanye nabaqalayo abasafufusa.
Lokhu kubambisana kukhuthaza ukuqamba okusha, kuqhuba ukuthuthukiswa komkhiqizo, kanye
ekugcineni kuzuzisa abathengi ngemikhiqizo namasevisi wezezimali angcono.
Isiphetho
Unyaka ka-2023
kunesithembiso esikhulu semboni ye-fintech, ngokushintsha umdlalo
impumelelo kanye nezitayela ezivelayo esezilungele ukwenza izinguquko kwezezimali
indawo. Ibhizinisi lizoqhutshwa phambili ngezimali ezihlukaniselwe,
ukuthuthukiswa kwezinhlaka zokulawula, kanye nokwanda kwemakethe ye-cryptocurrency.
Izinkokhelo ezingaxhunywanga, ukuqinisekiswa kwebhayomethrikhi, kanye nokwenziwe ngamathokheni kuzokwenza
amafutha ezixazululo zokukhokha zesizukulwane esilandelayo, ukuguqula indlela esenza ngayo
izinkokhelo.
I-AI izokwenza
qhubeka nokwenza ngcono ukukhiqiza kanye nolwazi lwamakhasimende, kuyilapho uvula ibhange
izinhlelo zizokhuthaza ukusebenzisana nokusungula izinto ezintsha. Ngaphezu kwalokho,
Izisombululo zezimali ezisimeme zizosiza ukudala indawo ezungezile
uhlelo lwezezimali olunobungane nolubophezelekile emphakathini. Isikhathi esijabulisayo
kubo bobabili abahlanganyeli bemboni kanye namakhasimende njengoba sisondela ku-fintech boom in
2023, namandla angapheli okukhula noshintsho emkhathizwe.
Hlala ubukele njengoba sibuka la mathrendi athakazelisayo avela futhi amukele ikusasa
wezezimali.
- 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. Izimoto / EVs, Ikhabhoni, I-CleanTech, Amandla, Environment, Ilanga, Ukuphathwa Kwemfucuza. Finyelela Lapha.
- I-BlockOffsets. Ukwenza kube yisimanje Ubunikazi be-Environmental Offset. Finyelela Lapha.
- Source: https://www.financemagnates.com//fintech/education-centre/the-fintech-boom-in-2023-unveiling-the-latest-innovations-and-trends/
