Uma umuntu ebheka ngaphakathi kwendawo yokulawula ye-fintech, uzobona iwebhu eyinkimbinkimbi yemithetho eguqukayo, imithethonqubo, nezinhlaka.
Kodwa-ke, izifunda eziningi zinendlela ehlukile, futhi izinkampani ziyaphuza ukusebenzisana ekunqandeni ukukhwabanisa. Kungakho igebe lolwazi livuleka, okubangele ukulahlekelwa obekulindelwe ama-US$48 billion ngenxa yokukhwabanisa ngo-2023.
Idatha ye-Sumsub yenkundla yokuqinisekisa yomjikelezo ogcwele ibonisa ukuthi ngaphezu kuka-70% wokuziphatha komgunyathi kwenzeka ngemva kokugibela, futhi izinkampani eziningi zisebenzisa izinqubo zokuqapha okwenziwayo eziphelelwe yisikhathi.
Izisombululo Eziyinkimbinkimbi Yazi Ikhasimende Lakho (i-KYC) nezokulwa nokushushumbiswa kwemali (AML) zivame ukusetshenziswa, kodwa izinyathelo zokuthobelana ezilandelayo aziyifanele injongo. Amaklayenti angase aqinisekiswe ngendlela efanele ekuqaleni, kodwa ukukhwabanisa kwenzeka ngokuhamba kwesikhathi.
Umhlahlandlela we-fintech abakhwabanisi abazondayo
Izinqubo ezinephutha emhlabeni we-fintech zingaxazululwa ngokusebenzisa imithetho njengemihlahlandlela emisha. Isinyathelo sokuqala ukuqonda izidingo ze-AML ezindaweni zamakhasimende enhlangano, kanti okwesibili ukufunda izindaba zempumelelo zokulawula.
I-Sumsub idaliwe I-Ultimate KYC/AML kanye Nomhlahlandlela Wokuvimbela Ukukhwabanisa Wama-Fintechs ukunikeza lonke ulwazi oludingekayo endaweni eyodwa. Zonke izifunda zomhlaba eziwumgogodla zimboziwe, okuhlanganisa isifunda se-APAC kanye nezidingo zaso zokulawula.
Sebenzisa imali enkulu ngamaphethini omhlaba
Ukuqonda amaphethini ngaphakathi kwendawo yokulawula ye-fintech kubalulekile uma i-fintechs ifuna ukwenza imali ngawo. Ngakho-ke, umhlahlandlela we-Sumsub ugqamisa ukuthi izinsiza ezihlukene ze-fintech, izisekelo zabathengi, nemithetho ehlobene iguqula kanjani indawo.
Isibonelo, ucwaningo lwakamuva olwenziwa yi-BCG lubikezela ukuthi isifunda se-APAC sizoba yimakethe ye-fintech enkulu kunazo zonke ngo-2030, esibalelwa ku-25% wezibalo zamabhange zomhlaba.
Ama-fintech amakhulu kunawo wonke, inani labantu abangasebenzi kahle kakhulu, kanye nezibalo zabantu abanolwazi ngobuchwepheshe e-APAC kuchaza lesi sibikezelo.
Sebenzisa ukugeleza kokuqinisekisa ukumelana nokukhwabanisa
Abakhwabanisi bayawathanda amasistimu ajwayelekile angenakho ukwenza ngokwezifiso. Umhlahlandlela we-Sumsub uchaza ukuthi kungani indlela ejwayelekile noma 'yebhokisi lophawu' iwenza buthaka amasu okulawula ubungozi be-fintech, nokuthi angawalungisa kanjani nge-KYC/AML enamandla kanye nenqubo yokuqapha okwenziwayo.
Lokhu kuhlanganisa amazinga aphezulu okuthobela, ukuqinisekiswa okuqondene nendawo ethile, ukuzishintshanisa okusheshayo nokucula, ukuphathwa okugcwele komjikelezo wokuphila kwekhasimende kanye nokusebenziseka kalula ngaphandle kwekhodi.
Nasi isifinyezo sezigaba ezisetshenziswa ukuletha ukugeleza kokuqinisekisa okusezingeni lomhlaba:
1. Bhalisa bese uhlola ngaphambilini
Abasebenzisi baziveza lapho kubhaliswa ngokunikeza igama labo nezwe abahlala kulo (noma ubuzwe) ngaphandle kokuhambisa noma yimiphi imibhalo. Lesi isilungiselelo esilula esisheshisa ukubhalisa.
2. Ukuqinisekiswa kwe-ID
I-Sumsub iqinisekisa amadokhumenti e-ID ngemithombo ethembekile, futhi imininingwane yolwazi yangaphandle isetshenziselwa ukuhlola kabili ubuqiniso bedokhumenti. Le nketho ayitholakali yonke indawo, kodwa amazwe amaningi ahlanganisiwe, futhi uhlu luqhubeka lukhula.
3. I-AML kanye nokuhlolwa kwezijeziso
Amakhasimende asengozini enkulu atholwa kalula ngokuhlolwa kwe-AML futhi ahlolwe ngokuqhubekayo ngokumelene nohlu lokubuka lomhlaba wonke, unswinyo, ama-PEP, nemidiya engafanele.
Sebenzisa ukuqapha okwenziwe ngezifiso kwe-fintech
Ukuqapha okwenziwe kwe-Fintech kuyingxenye yakho konke ukugeleza kokuqinisekisa, okusho ukuthi umsebenzisi, ibhizinisi, nokuqinisekiswa kokwenziwe kuxhunyiwe. Iphoyinti ngalinye ledatha elitholakalayo lisetshenziselwa ukuhlola abasebenzisi, ubungozi, namaphethini asolisayo.
Isixazululo se-Sumsub Transaction Monitoring sinika amandla ama-fintechs ukuthi abone imininingwane enemininingwane yokwenziwayo ngakunye, abike umsebenzi uma kudingeka, futhi avimbele ukulahlekelwa okuhlobene nokukhwabanisa ngokuthola imisebenzi esolisayo.
Izixazululo zokuqapha umsebenzi we-Fintech zihlanganisa izigaba ezilandelayo:
- Ukudluliswa kwedatha yokwenziwe: Idatha yokwenziwe, izindlela zokukhokha, namakhasimende iqoqwa nge-API evikelekile.
- Ukuqapha okwenziwayo okuqhubekayo: Konke okwenziwayo kuhlolwa ngesikhathi sangempela futhi imisebenzi esolisayo itholwa ngokusekelwe emithethweni emisiwe.
- Ukuphathwa kwecala: Izexwayiso zisethelwe ukuthola futhi zingene shi ekuthengiseni okusolisayo kanye nemininingwane yekhasimende ehlobene.
- Ukubika: Imibiko Yemisebenzi Esolisayo (ama-SAR) yenziwa ngesidingo sokuthi ithunyelwe kumlawuli.
Ukuthatha okhiye
Ukufinyelela ku-fintech ecosystem kubalulekile empumelelweni ngoba amaqoqo ezinhlangano asebenza ndawonye ukuze anqobe izinselele ezifanayo. Kodwa-ke, izinselele ezifanayo ekuqinisekisweni kobunikazi, ukukhwabanisa, nokuqapha umsebenzi zisabangela izivimbamgwaqo zomhlaba jikelele.
Umhlahlandlela omusha we-Sumsub uhlanganisa izixazululo zokuqinisekisa ezingcono kakhulu ze-fintech nokuthi zisetshenziswa kanjani:
Khohlwa indlela ye-tick-box: Faka isicelo esijulile sezixazululo ze-KYC/AML kanye ne-Transaction Monitoring ukuze inkampani yabo idlulele ngalé kokuhambisana nemithetho ejwayelekile futhi inikeze ukuvikeleka okuthuthukile ekuziphatheni kokukhwabanisa.
Gxila ohambweni lwamaklayenti agcwele umjikelezo: Iningi lemisebenzi yokukhwabanisa yenzeka ngemuva kwesiteji se-KYC, ngakho izinkampani ze-fintech kufanele zihlole imisebenzi yekhasimende kulo lonke uhambo lwabasebenzisi ngenqubo yokuqapha okwenziwayo eqhubekayo.
Hlanganisa izinkundla ze-KYC/AML, i-KYB, kanye ne-Transaction Monitoring: Thembela kunkundla eyodwa ehlanganisa lonke uhambo lomsebenzisi, ukuze isikhathi nezisetshenziswa azimoshi kubahlinzeki abaningi.
I-100% ye-fintechs ifuna ukwethenjwa kwamakhasimende okungaguquki ngenkathi ithuthukisa ukuthobela, amazinga okuphasa okuqinisekisa, nokukhula kwemakethe. Kodwa bangalinganisela kanjani yonke imigomo emithathu?
Funda I-Ultimate KYC/AML kanye Nomhlahlandlela Wokuvimbela Ukukhwabanisa Wama-Fintechs ukuze uthole izimpendulo ezingokoqobo endaweni ehlala ishintsha.
- 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://fintechnews.sg/78134/sponsoredpost/fintech-regulations-new-solutions-in-a-complex-landscape/
