Njengoba inkathi yedijithali ikhula, ingenise into ethule kodwa eguquguqukayo - i-Intanethi Yezinto (IoT). Ngakho-ke, umkhakha wezezimali uphonselwa inselelo futhi uvuselelwa ezimpambanweni zemigwaqo lapho izinto ezibonakalayo zihlangana namanethiwekhi edijithali. Lo mhlahlandlela uzulazula ngemithelela ejulile ye-IoT ekubhangeni, ezinkokhelweni, kanye nesimo sezezimali esibanzi.

Izinsizakalo Zezezimali Eziqhutshwa Nge-IoT

I-Smart Banking iwuphawu lokuhlanganiswa kwe-IoT kwezezimali, enikeza amakhasimende umuzwa ofanelana nawe futhi ofaneleka ngendlela emangalisayo. Amadivayisi ahlakaniphile afana nama-smartphone, okugqokekayo, nezinto zikagesi zasekhaya ezishumekwe ngobuchwepheshe be-IoT aqoqa idatha yesikhathi sangempela, enika amandla izixazululo zokuphathwa kwezimali ezinobuhlakani. 

Le datha ifaka imininingwane yokwenziwe, amaphethini omsebenzi womsebenzisi, nolwazi lwendawo. Ngaphezu kwalokho, ngokuhlola lolu lwazi, izikhungo zezezimali zinganikeza isiqondiso esivumelana nesabelomali, imininingwane ngemikhuba yokuchitha, kanye neziphakamiso zokutshala izimali. Ngokufanayo, amadivaysi anikwe amandla yi-IoT ahlinzeka ngoxhumano olulula ezinsizeni zasebhange, okuvumela abasebenzisi ukuthi baphathe izinkokhelo kalula futhi babheke amabhalansi e-akhawunti yabo ngisho nalapho besohambweni.

Ukuvikeleka Okuthuthukisiwe Ngokuqinisekiswa Kwe-Biometric

Ukuphepha kuba yinto ehamba phambili njengoba umhlaba uguqukela ezinkokhelweni zedijithali namabhange omakhalekhukhwini. Ukuqinisekiswa kwe-biometric okunamandla e-IoT kunikeza isivikelo esiqinile ekufinyeleleni okungagunyaziwe kuma-akhawunti wezezimali. Ngaphezu kwalokho, amadivayisi e-IoT angaqinisekisa abasebenzisi ngezinzwa ze-biometric ezibona izici ezihlukile zomzimba ezifana nezigxivizo zeminwe noma izici zobuso. Lesi sendlalelo esingeziwe sokuvikela sinciphisa kakhulu ingcuphe yokukhwabanisa nokuntshontshwa kobunikazi ezinkokhelweni ze-inthanethi.

Ngaphezu kwalokho, i-IoT isekela ukuthengiselana okuphephile ngokuhlaziywa kwedatha yesikhathi sangempela nokuqapha. Isibonelo, ama-ATM ahlakaniphile anikwe amandla i-IoT angathola imisebenzi esolisayo njengokuskimming ikhadi noma imizamo yokungena engagunyaziwe. Ngenxa yalokho, izikhungo zezezimali zingakwazi ukuhlonza ngokushesha ukwephulwa kwezokuphepha okungaba khona futhi zithathe izinyathelo ezisheshayo zokunciphisa ubungozi, ngenxa yokuhlaziya idatha yesikhathi sangempela.

Izinkokhelo Ezingaxhunywanga kanye Nezixazululo Zebhange Ezishumekiwe: Okwenziwayo Okungenazihibe

Esimeni sezimali esiqhutshwa yi-IoT, ukukhokha ngaphandle kokuthinta sekuyinsakavukela. Amaklayenti anenketho elula yokwenza ukuthengiselana ngokuthepha kalula amagajethi awo okukhokha anikwe amandla i-IoT kumatheminali ahambisanayo, konke ngenxa yobuhlakani bobuchwepheshe be-Near-field Communication (NFC). Lobu buchwepheshe obungenawaya bebanga elifushane buvumela ukushintshana kwedatha ngaphandle kokuthinta phakathi kwamadivayisi, okwenza ukuthengiselana kusheshe futhi kuvikeleke.

Ngokufanayo, izixazululo zebhange ezishumekiwe ezigqugquzelwa yi-IoT zithuthukisa ulwazi lwamakhasimende ngokuhlanganisa ngaphandle komthungo ukusebenza kwamabhange kumapulatifomu nezinhlelo zokusebenza zezinkampani zangaphandle. Amasango okukhokha anikwe amandla e-IoT angahlanganiswa ngokuqondile nezinkundla ze-e-commerce nasezimakethe eziku-inthanethi, enze kahle inqubo yokuthenga futhi avumele amakhasimende ukuthi enze izinkokhelo ngaphandle kokuzulazula ahlukanise amasango amabhange.

Izinselelo Nekusasa Le-IoT Kwezezimali

Kodwa-ke, ukufakwa kwe-IoT ebhange nasezinkokhelweni kubangela izinselelo ezimbalwa. Ukuphepha kuyinto ekhathaza kakhulu, njengoba amadivayisi we-IoT angasebenza njengezindawo zokungena ezingaba khona kubahlaseli, abeke ulwazi lwezezimali olubucayi engcupheni. Ngakho-ke, izikhungo zezezimali kufanele zisebenzise izindlela zokuphepha eziqinile ezifana nokubethela kanye nokuqinisekisa ukuze zivikeleke ekwephuleni okungase kube khona. 

Ngaphezu kwalokho, ukuqoqwa kwedatha okubanzi ngamadivayisi e-IoT kuphakamisa imibuzo mayelana nobumfihlo bedatha nokuhambisana nemithetho efana ne-GDPR. Ngenxa yalokho, ukusungula izinqubomgomo ezinembile zokuqoqwa, ukugcinwa, nokusetshenziswa kwedatha kubalulekile ukuze uthobele imithetho yokuvikela idatha. Ukwengeza, izinkinga zokusebenzisana zingase ziphakame ngenxa yokusebenzisana kwabakhiqizi abahlukahlukene bemishini ye-IoT, okungase kuthikameze ukuhlanganiswa kwabo okungenazihibe ezinhlelweni ezikhona zezimali.

Ngakolunye uhlangothi, i-IoT ekubhangeni nasezinkokhelweni isethelwe ukuguqula umkhakha wezezimali. Lobu buchwepheshe buthembisa ukuzizwisa komuntu siqu nokuvikelekile kwekhasimende. Izibalo ezithuthukile kanye ne-AI kuzosiza amabhange ukuthi athole imininingwane ejulile ngokuziphatha kwamakhasimende. Lokhu kuzobavumela ukuthi benze amasevisi nemikhiqizo ngendlela oyifisayo ngokusekelwe kulokho abakuthandayo.

Ukuhlanganiswa kwe-IoT nobuchwepheshe be-blockchain nakho kuzoba okubalulekile. Le nhlanganisela izokwenza ukuthi kudalwe izinkontileka ezihlakaniphile ezizothuthukisa ukuvikeleka nokungafihli kwemisebenzi yezezimali.

Noma kunjalo, njengoba i-IoT ecosystem ikhula, izikhungo zezezimali kumele zibeke phambili ukuphepha kwe-cybersecurity. Ukuvikela amadivayisi e-IoT, idatha, nolwazi lwekhasimende kufanele kube okuhamba phambili. Lokhu kugxilwa kwezokuphepha kuzobaluleka kakhulu ekuvikeleni umkhakha wezezimali ezinsongweni nasezingozini.