Kodi chiti "chachikulu" chotsatira chachuma mu 2022?

Timati malipiro a biometric. 2021 ikubweretsa kusintha kwakukulu pazachuma potengera digito. Makasitomala amadalira kwambiri ntchito zapaintaneti ndi matekinoloje opangidwa ndi makonda, zomwe zimathandiza mabizinesi kukulitsa omvera awo ndikukula mwachangu. Malinga ndi akatswiri, msika wazachuma ukuyembekezeka kufika $26.5 thililiyoni pofika 2022. Zatsopano za Fintech ...

Timati zolipira biometric. 2021 ikubweretsa kusintha kwakukulu pantchito zachuma pankhani yogwiritsa ntchito digito. Makasitomala amadalira kwambiri ntchito zapaintaneti ndi matekinoloje opangidwa ndi makonda, zomwe zimathandiza mabizinesi kukulitsa omvera awo ndikukula mwachangu. Malinga ndi akatswiri, a Msika wantchito zachuma ukuyembekezeka kugunda $26.5 thililiyoni pofika 2022.

Zatsopano za Fintech zomwe zikupanga kale mafunde muzachuma cha digito zikuphatikiza Baas (Banking-as-a- Service), kusamutsidwa kwa mabanki apadziko lonse pompopompo, banki APIs, ndi ntchito zina zoperekedwa ndi makampani a fintech monga BancaNEO.

Kusintha kwa kubanki pa intaneti kokha ndi njira ina yomveka bwino yotsatiridwa ndi mamiliyoni ambiri aukadaulo padziko lonse lapansi. Izi zikutanthauza kuti kutsatira ukadaulo waposachedwa kwambiri, monga nzeru zopangira (AI), ndikofunikira kwambiri ku mabanki ndi mabizinesi omwe akuyang'ana kuti akwaniritse zomwe makasitomala awo akuyembekeza ndikupanga zatsopano kuti ziwathandize. Tiyeni tiwone zomwe tsogolo la mabungwe azachuma ali nalo.

Malipiro a Biometric

Mawu achinsinsi pang'onopang'ono koma pang'onopang'ono akugwira ntchito. Malipiro a biometric, mwana watsopano pa chipikacho, akudzipangira dzina pamalipiro a digito. Zikuphatikizana mwachangu m'njira zathu zolipira zatsiku ndi tsiku, zofanana kwambiri ndi njira yomwe ukadaulo wa zala unkatsata.

Ambiri aife tatenga kale gawo loyamba pokhazikitsa Apple Pay kapena Google Pay pa smartphone yathu kuti tilipire zinthu mwachangu komanso mosavuta. Kuphatikiza apo, ukadaulo ukugwiritsidwa ntchito mochulukira pakulola kwa biometric kulipira ndi kusamutsa ndalama. Mwachitsanzo, kugwiritsa ntchito chizindikiritso cha zala m'malo mwa PIN wamba tsopano akuwunikiridwa kuti alipire makadi opanda kulumikizana.

Kodi deta imatengedwa bwanji ndikusungidwa bwanji?

Zizindikiro zosiyanasiyana za biometric zitha kugwiritsidwa ntchito popereka malipiro: chala, nkhope, mawu, iris, ngakhale mawonekedwe a mitsempha. Deta iliyonse imasonkhanitsidwa ndikusinthidwa kukhala template, yomwe imayerekezeredwa ndi kufanana kwake mu database algorithm. Zotsatira zake, ma algorithm ofananawo amatsimikizira kuti munthuyo ndi yemwe amadzinenera kuti ali.

Mayiko ngati India amagwiritsa ntchito mtambo wapakati pomwe zidziwitso zamunthu zimasungidwa ndipo zitha kugwiritsidwa ntchito kuthandizira kulipira. M'madera ena a dziko lapansi, monga ku Ulaya, zinsinsi ndi chitetezo cha deta zimatsatiridwa ndi malamulo akuluakulu. Zotsatira zake, chidziwitso cha biometric chitha kungosungidwa pamafoni a ogwiritsa ntchito kapena makhadi olipira.

Chifukwa chiyani malipiro a biometric ali bwino kuposa mayankho ena?

Chiwerengero cha mapasiwedi omwe ogwiritsa ntchito ayenera kukumbukira amatha kukhala olemetsa. Osanenapo pamene wina ali wofulumira ndipo ayenera kukumbukira mawu achinsinsi pa imodzi mwamakhadi awo (mwina) ambiri. Kusokoneza uku kumabwera ndi chiopsezo chowonjezereka chachinyengo cha malipiro, chifukwa ndizofala kuti deta ya PIN ya kirediti kadi ibedwa.

Zotsatira zake, malinga ndi kusanthula kwa Thales, ma biometric ali ndi maubwino osiyanasiyana pankhani yotsimikizika, mosasamala kanthu za njira. Gwero likunena kuti malipiro a biometric ndi:

  • Universal ndipo ikhoza kukhazikitsidwa (pafupifupi) anthu onse.
  • Zapadera chifukwa palibe zisindikizo za zala ziwiri kapena nkhope zomwe sizifanana.
  • Zokhazikika ndipo sizisintha pakapita nthawi.
  • Zoyezera zokwanira kufananizidwa mtsogolo.
  • Zovuta kupanga.

Ndi zifukwa zambiri kuposa chimodzi, palibe kukayika kuti malipiro a biometric adzakhala tsogolo laukadaulo wa digito wa fintech m'zaka zikubwerazi.

Powombetsa mkota

Ndikofunikira kwambiri kuti mabanki, zoyambira za Fintech, ndi makampani azitsatira zomwe zikuchitika pamalipiro a AI. Kukhudzika komwe kumakhudza kukhutitsidwa kwamakasitomala ndi zokumana nazo ndizambiri. Ngakhale ochepa tech-savvy amatha kuyenda mosavuta padziko lonse lazachuma cha digito choperekedwa ndi EMIs ngati BancaNEO ndi Satchel.

Ndi mayankho amakampani ndi makasitomala payekhapayekha, BancaNEO imaperekanso ntchito zogwirizana ndi mafakitale osiyanasiyana, kuphatikiza oyambitsa a Fintech, Legal & Consulting, IT, ndi zina zambiri zomwe zikubwera posachedwa. Zogulitsa zawo zimakhala ndi zida zofunikira zoyendetsera ndalama monga makhadi olipira, BaaS, Unique IBAN, Makhadi Oyera Oyera, ndi zina zambiri.

Dziwani zambiri za BancaNEOKukula kwa fintech ndi ukatswiri pa BancaNEO blog.

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