Phakathi nenguquko yedijithali edlula i-Asia Pacific, isifunda sizithola sisogwini loshintsho olukhulu. Nakuba leli gagasi lobuchwepheshe lilethe ukunethezeka nokuxhumana okungakaze kubonwe ngaphambili, liphinde laveza uhlangothi olumnyama - igagasi elikhulayo neliba yinkimbinkimbi lokukhwabanisa elisongela izisekelo zomphakathi wethu wedijithali.

Imibiko yakamuva iye yahlaba umkhosi, iveza ukuthi umthengi oyedwa kwabane e-Asia Pacific ube yisisulu sokukhwabanisa ku-inthanethi. Ukuze kubhekwane nalolu daba olucindezelayo, ithimba lochwepheshe selikwenzile kuqoqwe ku khanyisa isimo sokukhwabanisa esiguqukayo. 

Besebenzisa imininingwane yemboni, bahlole amathrendi asafufusa, amasu akamuva kanye nobuchwepheshe bokunqanda ukukhwabanisa, kanye nebhalansi eyinkimbinkimbi phakathi kokugcina ukuphepha nokuqinisekisa ulwazi lomsebenzisi olungenazihibe.

Abahamba phambili kule ngxoxo yizibalo eziphawulekayo kulo mkhakha, okuhlanganisa no-Beaver Chua, Inhloko Yeqembu Leqembu Lokuthobela Ubugebengu Bezezimali Elwa Nokukhwabanisa kwa-OCBC; Yeoh Chen Chow, Co-umsunguli we-Fave; U-Gabby Tomas, Isikhulu Esiyinhloko SeziNgozi kanye neNhloko Yeqembu Lokulawulwa Kwengozi kwa-RCBC, no-Nicholas Stipp, Iphini Likamongameli kanye noMphathi-Jikelele wase-Asia Pacific e-Ekata, inkampani ye-Mastercard. UVincent Fong, Umhleli Omkhulu kwa-Fintech News Malaysia, uphathe ingxoxo.

Izitayela ezishaqisayo zokukhwabanisa

U-Nicholas Stipp, uMphathi-Jikelele we-Ekata, waqokomisa inkambiso ephazamisayo yokukhwabanisa—ukusungulwa kwezimboni zemisebenzi yokukhwabanisa. Abaphangi abasebona abalingisi bodwa abasebenza ngabodwa. Esikhundleni salokho, basebenzise amandla obuchwepheshe ukuze benze amanethiwekhi amakhulu emisebenzi yokukhwabanisa. 

Enye yentuthuko ethusayo kakhulu ukusetshenziswa i-AI ekhiqizayo ngalezi zigebengu, okubenza bakwazi ukuzenzela futhi bakhulise ukuhlasela kwabo. Lokhu kusho ukuthi bangahlanganisa ngokushesha nangempumelelo ubunikazi bokwenziwa obufana kakhulu namaphrofayili wangempela, avame ukuthengwa kuwebhu emnyama.

NgokukaNicholas, imbangela yangempela yokukhathazeka isici somuntu salokhu kusebenza. Amazwe aseNingizimu-mpumalanga Asia, njengeMyanmar neCambodia, asephenduke isizinda sezenzo zokukhwabanisa, lapho amaqembu amakhulu abantu ephoqeleka ukuba abambisane ekuhleleni imikhonyovu. 

Le misebenzi ithuthuke kakhulu kwezobuchwepheshe futhi ixhaphaza abantu ngokungahambisani nentando yabo, iqinisa isivinini sokuhlasela okuwumgunyathi.

Imibono yebhizinisi ngokukhwabanisa

Eshintsha ukugxila kulensi yebhizinisi, u-Yeoh Chen Chow, Co-founder of Fave, unikeze imininingwane evela endaweni ehlukile. 

Ugcizelele ukubaluleka kokugcina ibhizinisi liqhubeka ngesikhathi kuqalwa ukukhwabanisa. Uveze ukuthi ukunyuka kwe-automation kanye ne-AI kwenze abakhwabanisi bakwazi ukuhlasela ngezinga. 

Ukukhwabanisa kobunikazi bokwenziwa, lapho izigebengu zenza khona imininingwane engelona iqiniso, kubangela usongo olukhulu. Ukukhwabanisa kobunjiniyela bezenhlalakahle nakho sekuvele kwavela, lapho abahlaseli besebenzisa amasu ayinkimbinkimbi ukuze bakhohlise izisulu ezingasoli.

Ukuze kubhekwane nalezi zinselelo, amabhizinisi kufanele ahlale eqaphile futhi ahlale ngaphambi kwabakhwabanisi. Ukusebenzisana nontanga bemboni kanye neziphathimandla kubalulekile, njengoba abakhwabanisi bavame ukukhomba izinkundla eziningi.

UChen Chow ugqamise ukubaluleka kokusungulwa kwe National Fraud Portal e-Malaysia ukuhlanganisa ulwazi oluhlobene nokukhwabanisa futhi kuthuthukiswe ukusebenzisana nababambiqhaza. Izinyathelo ezinjalo zingenza kube lula inqubo yokubika nophenyo, kwenze kube inselele kubakhwabanisi ukuthi basebenze ngaphandle kokujeziswa.

Umbono webhange

U-Beaver Chua, oyiNhloko Yeqembu Lokuthobela Ubugebengu Bezezimali kwa-OCBC, unikeze imininingwane evela emkhakheni wamabhange. Ugcizelele ukwanda okwandayo kwemikhonyovu eku-inthanethi, okuhlanganisa umsebenzi, i-e-commerce, uthando, nokuzenza ongeyena kukahulumeni.

Lo bhubhane usheshise ukushintshwa kwemisebenzi yokukhwabanisa ku-inthanethi, okwenza kube lula ukuthi abakhwabanisi bafinyelele izithameli eziningi.

Ukhombe ithrendi ephathelene nohlelo olungayilungele ikhompuyutha ye-Android, egcizelela ukuthi izilawuli ezivamile zisebenza kancane ekulweni nalokhu kusongela okuvelayo. 

Lezi ukuhlaselwa kwe-malware kungaholela ekuthathweni okuphelele kwama-akhawunti, okufaka inselele enkulu kumabhange nakumakhasimende awo. Imboni yamabhange isebenzisa izilawuli ezintsha ukubhekana nalesi sihlava esiguqukayo.

Izilinganiso ezimbili ezihlukene zokukhwabanisa okuvelayo

U-Gabby Tomas, Isikhulu Esiyingcuphe Esikhulu kwa-RCBC, ugcizelele izinhlangothi ezimbili zokuvela kwezwe lokukhwabanisa. Ubukhulu bokuqala bubandakanya ukuthuthukiswa kobuchwepheshe ekuhlaselweni, okufana nobugebengu bokweba imininingwane ebucayi kanye nobunjiniyela bomphakathi. 

Ubukhulu besibili indawo ebanzi eyingozi ngenxa yoshintsho lwedijithali, ukwamukelwa kobuchwepheshe bamafu, kanye nokusetshenziswa kobuhlakani bokwenziwa ngamabhizinisi nabalingisi abanonya. 

Ugcizelele ukuthi nakuba kunenzuzo ezinkampanini ezisemthethweni, i-AI inika abakhwabanisi amandla ukuze bathuthukise izinga lokuhlasela kwabo kanye nezinga lempumelelo. Abakhwabanisi ababheki nje kuphela kubantu kodwa baqondise nezinkampani kanye namaketango. 

Ubukhulu bokuqala bubandakanya ukuqina okwandayo kokuhlaselwa, okuqhutshwa ukuthuthuka kwe-AI kanye nobuchwepheshe be-deepfake. Abakhwabanisi manje sebesebenzisa izindlela eziqondiswe kakhulu nezikholisayo, okwenza kube inselele nakakhulu ukuthola imikhonyovu.

Empeleni, ukwenziwa kwentando yeningi kwamathuluzi okukhwabanisa kanye nendawo yokuhlasela ekhulayo kudale indawo lapho izigebengu zinamandla kakhulu kunangaphambili.

Iqhaza lobuhlakani bokwenziwa

Ubuhlakani bokwenziwa, obuvame ukubonakala njengenkemba esika nhlangothi zombili, bunamandla amakhulu ekusizeni ukuvimbela ukukhwabanisa kanye nokuvumela abakhwabanisi. 

Izinhlangano zingasebenzisa ukuhlaziya okuqhutshwa yi-AI ukuze zithole okudidayo namaphethini abonisa imisebenzi yokukhwabanisa. Lawa masistimu angafunda kudatha yomlando futhi azivumelanise namaqhinga okukhwabanisa aguqukayo, anikeze ukuvikeleka kwesikhathi sangempela.

Kodwa-ke, njengoba uNicholas axwayisa, abakhwabanisi bangakwazi ukusebenzisa i-AI ukulungisa ukuhlasela kwabo. Okuqukethwe okukhiqizwe yi-AI, amavidiyo e-deepfake, nama-chatbot alingisa ukusebenzisana kwabantu kuba yinkimbinkimbi kakhulu. 

Lokhu kugcizelela isidingo sendlela esheshayo neguquguqukayo yokuvimbela ukukhwabanisa ehlala ingaphambi kwezinsongo ezivelayo.

Ukunciphisa ukukhwabanisa emhlabeni wedijithali

Njengoba isimo sedijithali siqhubeka nokuvela, kanjalo nezindlela ezisetshenziswa abakhwabanisi. Izinhlangano nabantu ngabanye kufanele bazivumelanise futhi basebenzise amasu amasha okunciphisa ukukhwabanisa.

Isici esisodwa esibalulekile sokuvimbela ukukhwabanisa ukusetshenziswa kobuchwepheshe obuphambili. U-Nicholas waphawula ukuthi abakhwabanisi basebenzisa i-AI ekhiqizayo ukuze bakhe ubunikazi bokwenziwa obufana namaphrofayili wangempela. 

Ukumelana nalokhu, izinhlangano kufanele zisebenzise amandla e-AI nokufunda komshini ukuze kutholwe ukukhwabanisa. Lobu buchwepheshe bungahlaziya amasethi edatha amaningi ngesikhathi sangempela ukuze kuhlonzwe okudidayo futhi kuhlabe umkhosi imisebenzi yokukhwabanisa engaba khona.

Ngaphezu kwalokho, ukwanda kokuhlaselwa konjiniyela bezenhlalo kudinga ukugxila emfundweni yabasebenzisi nokuqwashisa. U-Chen Chow wagqamisa ukwanda kwemikhonyovu exhaphaza ingqondo yomuntu. 

Abasebenzisi kufanele bafundiswe ngobungozi namaqhinga asetshenziswa abakhwabanisi. Imikhankaso evamile yokuqeqesha nokuqwashisa inganika abantu amandla okubona nokubika imisebenzi esolisayo.

U-Beaver ugcizelele ukubaluleka kokubambisana nontanga bemboni nezinhlangano ezigxile ekunqandeni ukukhwabanisa. Ukwabelana ngobuhlakani obusongelayo kanye nezinqubo ezingcono kakhulu kungathuthukisa kakhulu ikhono lenhlangano lokulwa nokukhwabanisa ngempumelelo.

Ukwengeza, ukwamukela ukuqinisekiswa kwezinto eziningi kanye nezinyathelo zokuphepha ze-biometric kungangeza izendlalelo eziqinile zokuvikela ekuthathweni kwe-akhawunti.

U-Gabby ugcizelele isidingo sokuqapha okuqhubekayo nokuzivumelanisa nezimo ukuze uhlale ngaphambi kwabakhwabanisi. Izinhlangano kufanele zitshale imali ekuzingeleni izinsongo, ziseshe ngenkuthalo izimpawu zemisebenzi enonya ngaphakathi kwamanethiwekhi azo. Le ndlela ingakwazi ukukhomba izinsongo ngaphambi kokuba zikhule futhi zidale umonakalo omkhulu.

Uhulumeni kanye nendima yokulawula

U-Gabby ugqamise ukwenziwa kwentando yeningi ukukhwabanisa kuwebhu ejulile, lapho izixazululo zokukhwabanisa zitholakala kalula ngaphandle kweshalofu. Lokhu kufinyeleleka kuvumela inqwaba yabalingisi ababi ukuthi bahlasele kalula nangokuyinkimbinkimbi. 

Abakhwabanisi bangafunda ngokushesha ekuhlaselweni kwangaphambilini futhi bathuthukise amaqhinga abo ngokuhamba kwesikhathi, okubeke inselele enkulu emizamweni yokuphepha ku-inthanethi.

Nakuba amabhizinisi nabantu ngabanye benendima ebalulekile ekunqandeni ukukhwabanisa, uhulumeni kanye nezinhlaka ezilawulayo nazo zidlala indima ebaluleke kakhulu ekudaleni indawo ephephile yedijithali.

Ohulumeni kufanele bashaye imithetho eqinile yokuphepha ku-inthanethi futhi bakhuthaze ukwabelana ngolwazi phakathi kwezikhungo zezezimali, izikhungo zomthetho, nabahlinzeki bezobuchwepheshe.

Amalungu ethimba agcizelele ngazwi linye ukubaluleka kokubambisana ekulweni nokukhwabanisa. Bagqamise isidingo sokuthi ohulumeni, izimboni, nezinhlangano zisebenzisane ekwabelaneni ngolwazi, zisebenzisa izindlela eziqinile zokuphepha ku-inthanethi, nokudala ubudlelwano phakathi komphakathi nezizimele. 

Ngokuveza uhlangothi olubumbene ngokumelene nokukhwabanisa, kuba nokwenzeka ukudikibalisa abalingisi ababuthaka futhi kwandiswe amathuba okubamba nokushushisa labo ababandakanyeka ezenzweni ezinonya.

Isici somuntu

Naphezu kokuthuthuka kobuchwepheshe ekutholeni ukukhwabanisa, isici somuntu sihlala siyisici esibalulekile. Ukuhlaselwa kobunjiniyela bezenhlalakahle kusebenzisa ingqondo yomuntu kanye nemizwa ukuze kusetshenziswe izisulu ukuze ziveze ulwazi olubucayi noma zenze izenzo ezizuzisa abakhwabanisi.

U-Chen Chow wabelane ngama-anecdotes abantu abazama ukuphindisela ngokumelene nabakhwabanisi, ebonisa inkimbinkimbi yengqondo yalokhu kusebenzisana. 

Ukufundisa abantu ngamaqhinga asetshenziswa abakhwabanisi kanye nokukhuthaza umuzwa wokuqapha kubalulekile ekwehliseni izinga lempumelelo lokuhlaselwa konjiniyela bezenhlalo.

Ukuzulazula endaweni eyinkimbinkimbi yokukhwabanisa

Njengoba ithimba lochwepheshe liye lakhanya, izwe lokukhwabanisa lithuthuka ngesivinini esishaqisayo. Abakhwabanisi basebenzisa amandla obuchwepheshe futhi baxhaphaza ubuthakathaka obudalwe ukuguqulwa kwedijithali okusheshayo. 

Izinsongo ziningi futhi zilokhu zivela njalo, kusukela ekukhwabaniseni kobunikazi bokwenziwa kuye ekuhlaselweni kohlelo olungayilungele ikhompuyutha kanye nemikhonyovu yobunjiniyela bezenhlalo.

Amabhizinisi, izikhungo zezezimali, nohulumeni kumele basebenzise indlela yokusebenzisana ukuze kuliwe nalezi zinselele. Ukwabelana ngolwazi, izinsiza, kanye nemikhuba emihle kubalulekile ukuze uhlale uphambi kwabakhwabanisi.

Njengoba i-AI idlala indima ebalulekile ekuvimbeleni nasekwenzeni, ukutshala imali kubuchwepheshe obusezingeni eliphezulu kanye nokuqhubeka nokuzivumelanisa nezinsongo ezivelayo kubalulekile.

Ekugcineni, impi yokulwa nokukhwabanisa iyaqhubeka, njengokulwa negciwane eliguqukayo. Kodwa-ke, ngokuqapha, ukubambisana, kanye nezixazululo ezintsha, singalwela ukudala indawo yedijithali ephephile kumabhizinisi nakubathengi ngokufanayo.

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• Source: https://fintechnews.sg/78018/security/staying-ahead-in-asia-pacifics-fraud-prevention-game/