Ukukhuphuka Kwe-Rise Of Digital Wallet Ngesikhathi Sobhadane

Digital Wallet Ukwamukelwa

Usayizi wemakethe yokukhokha edijithali kulindeleke ukuthi usuke ku-USD 79.3 billion ngo-2020 uye ku-USD 154.1 billion ngo-2025, ku-Compound Annual Growth Rate (CAGR) ka-14.2%.

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Ekubuyiseleni emuva, asinaso isizathu sokungabaza le nombolo. Uma kukhona okuthile, uma sigcina i- Inkinga yamanje ye-coronavirus ngokucatshangelwa, ukukhula nokwamukelwa kuzoshesha. 

Igciwane noma alikho igciwane, i kukhuphuke izinkokhelo zokuxhumana yayivele ilapha. Njengoba izikhwama ze-smartphone zilele maphakathi nokuthi uhlelo lusebenza kanjani, kube nokukhuphuka okusobala ekutholeni kwabo futhi. Kepha selokhu kwavela izindaba zokuthi imali ingayiphatha kanjani i-coronavirus izinsuku eziningi, ukugxila cishe kwawo wonke umuntu emhlabeni wonke sekuguqukele wallet digital

Kepha yini eyenza izikhwama zamaselula unkulunkulu-athumele enye esikhundleni sezimali ze-fiat? Impendulo yalo mbuzo ilele kuzici ezisethiwe. Nalu uhlu lwezici uhlelo lokusebenza lwesikhwama seselula okufanele lube nazo:

Izici Okufanele Ube Nazo Zezikhwama Zamaselula

  • Ukuvikeleka Kokuqinisekisa Kwezinto Eziningi  - Isici sokuqala ukuthi yonke isikhwama semali esidijithali kumele sibe nokuphepha okungenakuqhekeka. Enye indlela yokuqinisekisa lokho kungukufakwa kohlelo lokufakazela ubuqiniso bezinto eziningi. Kusho ukuthini ukwenza abasebenzisi badlule okungenani amasheke ama-2-3 okuphepha ngaphambi kokufika lapho bangabuka khona ibhalansi ye-akhawunti yabo noma bathumele imali kontanga yabo. 
  • Uhlelo Lokuvuza - Esinye sezizathu ezinkulu zokuthi kungani abantu basebenzise izikhwama zedijithali njengePayPal noma i-PayTM yizinhlelo zabo zemivuzo. Kukho konke ukuthengiselana okwenziwa abasebenzisi kusuka kuhlelo lokusebenza, kufanele banikezwe umvuzo, ongaba ngesimo samakhuphoni noma imali ebuyiswayo. Lokhu kukodwa kungaba yindlela enhle yokugcina abasebenzisi bebuya kuhlelo lokusebenza. 
  • Ithimba Lokusekela Elisebenzayo - Isikhalazo esisodwa abasebenzisi cishe ngaso sonke isikhathi abanaso namabhange abo ukuthi bangasebenza kanjani ngesikhathi sokudinga. Uma ungaphakathi kwesicelo se-wallet, kunezinto eziningi ezingahamba kabi kumsebenzisi - zingathumela ngephutha inani kumuntu ongafanele, zingafaka inani elingalungile, noma inani elijwayeleke kakhulu elizokhishwa kuzo ama-akhawunti kepha angafiki kumuntu ohlosiwe. Ukuxazulula lezi zinkinga nesimo se-paranoia ngesikhathi sangempela, kufanele kube nengqalasizinda yokusekela uhlelo lokusebenza esebenzayo. 

Manje njengoba sesibheke kuzici ezenza izikhwama zedijithali zidume, ake sehle sifinyelele emaphuzwini okuthi kungani sicabanga ukuthi kube nokukhuphuka okungazelelwe ekusetshenzisweni kwezikhwama zamaselula emhlabeni wonke. 

Izizathu Zokubangela Lokhu Kukhuphuka Okuthuthukayo kuma-Mobile Wallets

  1. Ukwesaba ukubamba igciwane - Ngenxa yokwesaba ukuthi bazoyibamba i-coronavirus, abasebenzisi bayayeka ukusebenzisa imali ye-fiat. Kepha lokhu namanje akukuthetheleli ukwenyuka kwezikhwama zedijithali angithi? Njengoba zihlala zisebenzisa amakhadi abo asebhange noma wesikweletu. Yebo, lelo yiphuzu. Abasebenzisi bayayeka ukuthinta noma yini - umshini we-atm, umshini we-POS, noma omunye umshini ongabenza bakwazi ukuthengiselana ngemali. Lesi yisizathu sokuqala sokuthi kungani beqondise ukugxila kwabo kwizikhwama zedijithali ezingathintwa. 
  2. Imininingwane emikhulu - Enye into esebenza esivuna ukwamukelwa okukhulayo kwezikhwama zamaselula ukuthi banolwazi kangakanani abasebenzisi be-fintech mayelana nezinzuzo okufanele zinikeze zona. Selokhu ukuthandwa kwezikhwama kufinyelele kuvuthondaba lwayo, amakhasimende (ikakhulukazi ahlanganisa izinkulungwane zeminyaka) ayazi ukuthi angawasebenzisa kanjani nokuthi angamaphoyinti amaningi kangcono kanjani kunokusebenzisa imali ye-fiat. Leso sigaba seminyaka eyizinkulungwane sabasebenzisi sidlale indima enkulu ekufundiseni iGeneration X neBoomers ukuthi kungani kuyisikhathi sokuyeka imali ye-fiat. 
  3. Ukwamukelwa okubanzi - Namuhla, akukho kusungulwa kwebhizinisi, isibhedlela, noma izikole ezingezwanga noma ezingasebenzisi izikhwama zedijithali. Lokhu kwamukelwa kuholele ekukhuphukeni kwamazinga okutholwa kusukela emaphethelweni amakhasimende futhi. Ubulula bokungaphathi imali noma ukungabi namathuba okufaka ngokungafanele ukufaka imali noma amakhadi esikweletu afakwe ekwamukelweni ngobuningi kwezinhlelo zokusebenza zesikhwama seselula kwenze abantu badonsa imali ngokuphelele. 
  4. Ukusekelwa kobuchwepheshe - Isici esilandelayo esasiletha futhi sisathuthukisa ukwamukelwa kwezikhwama zamaselula isipele sobuchwepheshe. Izinkampani zezikhwama zamaselula ezifana ne-Stripe, i-PayPal, njll ziphethe ubuchwepheshe bokunikeza uhlelo lwe-100% lwe-hack-proof application. Ngokwengeziwe, ngokuhlanganisa uhlelo lokusebenza nama-API abenza babe yindawo eyodwa yokumisa zonke izidingo zokubhuka nezokusetshenziswa kwemali, izinkampani zisebenzisa uhlangothi lwazo lobuchwepheshe ukwenza kangcono imizamo yesipiliyoni samakhasimende, kanti futhi, amakhasimende abo aphendula ngokubashintshanisa nezikhwama zabo ezingokwenyama. 

Kufanele Uphendule Kanjani Usomabhizinisi We-Fintech?

Impendulo ekahle usomabhizinisi waseFintech okufanele abe nayo kulokhu kuguquka kokuziphatha kwabathengi kufanele kube ukufuna izindlela zokwenabela kumodeli yebhizinisi. Into okufanele bayiqaphele ukuthi ukuhlukaniswa komphakathi kulungele ukuba yinto evamile. Futhi njengawo wonke amabhizinisi angaphansi kwelanga, nabo kuzofanele babheke izindlela zokwenza isipiliyoni samakhasimende abo singathintani ngangokunokwenzeka. 

Siyethemba ukuthi kuze kube manje, ubuzokwazi ukulinganisa zibaluleke kanjani izikhwama zeselula sebekhona ezimpilweni zawo wonke umuntu nokuthi ukuphela kwendlela eya phambili kusizinda seFintech. 

Ngalelo themba, ake sikushiye nesilinganiso sokuhlukanisa:

Emvelweni wamanje, ukukhokha ngaphandle kwemali kuyindlela ebalulekile yokuzivikela wena kanye nabanye ekusakazekeni kwe-coronavirus. Ukukhuphuka komkhawulo wekhadi elingenakuxhumana kuyisinyathelo esihle, kepha-ke, lapho kungenzeka khona sikhuthaza amakhasimende ethu ukuthi asebenzise izikhwama zedijithali njengoba enokuphepha okungeziwe kokungadingi ukufaka i-PIN ku-PIN Pad noma ngabe basebenzisa malini, njengoba esikhundleni salokho ifaka i-ID yokuthinta noma i-ID yobuso.

UKate Crous iMenenja Jikelele Yesigungu Esiphethe 'yasebhange nsuku zonke' eCommonwealth Bank yase-Australia

Ngabe ucabanga nokuthi izikhwama zamaselula zilele esikhathini esizayo somkhakha we-fintech? Yabelana ngemibono yakho kumazwana angezansi. 

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