Mabhangi sezvatinoaziva. Automation ichauya uye nhanho

Kusiyana nemamwe maonero, chikamu ichi hachina kuomarara zvachose uye hachichinjike. Indasitiri yemabhanga yakaita mhirizhonga yakawanda mumakumi emakore adarika, kubva pakaiswa michina yekubvisa nekuisa madhipoziti kusvika pakuiswa kwemakadhi ekubhadhara, mari yemagetsi nekubhanga padandemutande. Idzi dzaive shanduko dzimwe nguva hukuru husingatarisirwi.

Zvakangodaro, mabhangi, semasangano nemabhizinesi anopa mamwe masevhisi, aripo uye anoshanda zvakachengeteka. Dzichiri nzvimbo dzakavimbika kwatinochengeta kana kukwereta mari kubva kwavari. Haasati akwanisa kusvibisa zita rake nechinzvimbo wave yekuzivikanwa kwecryptocurrenciesiyo inokubvumira kuchengetedza zvakachengeteka uye kuendesa mari (dziviriro pakuba, asi kwete kurasikirwa kwekukosha).

Nekudaro, kana nzira yakawanikwa yakazvimirira yemasangano emari uye echinyakare mapari uye akafanana edhijitari "mari", ndiani anoziva? Iro zano chairo remari inotsigirwa net-net-isina kuendeswa kune chero bhangi kana yakafanana fiduciary uye inoyerera isina vamiriri mukutengeserana kwakadaro ibhomba rakakura kune hwaro chaihwo hwekuvapo. masangano emari echinyakare. Uye zvakare, sezvamunoziva, masangano aya anowana pamarudzi ese emakomisheni uye misiyano yemitengo yekuchinjana mukati menyika. kryptowaluty vashaikwa.

Saka iwe unogona kubhadhara pakati pevanhu vanobva kumativi maviri akasiyana epasi, pasina chero makomisheni, muganhu, tsika, mutero uye chero zvipingamupinyi. Nokudaro, basa remabhangi kwete chete, asi hurongwa hwose huzere hunoderedzwa. Iyi inyaya yakafararira yatichavhara mune chimwe chinyorwa mune ino chinyorwa cheMT.

Kudzokera kumabhangi, zvisinei, masangano aya anochengetedza kugadzikana kwemari, uye crypto rates haisi kuteverwa nemunhu wese, saka "musango" wezvinyorwa zvavo. Mamiriro emabhanga ane chekuita nekuguma kwemari yechivanhu. Kana pane kutsauka kubva kune anozivikanwa uye anopupurirwa zvivakwa, hongu, mabhangi achava nematambudziko. kutaura nezve dhora manheru, kuiswa kwedhijitari yeChinese mari (iyo isingagone kuenda isina kutariswa).

Kune rumwe rutivi, ndizvo Mastercard, sangano risingarwi nemabhangi, pane zvinopesana, rinotanga kubvuma kubhadhara mu cryptocurrency. JP Morgan inopa zvikwereti zvekristptocurrency paEthereum, uye China iri kushanda pa "cryptocurrency" inobva kubhengi repakati. Saka, zvinoita sekunge inotaura kuti nyika yebhangi uye cryptocurrencies kusawirirana kusingawirirane iko kuwedzeredza kukuru. Nekudaro, iyo inogona kubuda yeimwe nzira yedhijitari mari mune yakajairika inonyanya kuramba basa remabhangi uye ne theoretically inokonzeresa kutyisidzira (1).

Register yePublic Loans

Kana rimwe remabasa makuru emabhangi ari Kupindirana kwezvemari, ndiko kushanduka kwemhando dzekupindirana uku kungangokonzera shanduko mukushanda kwemabhangi pachawo, ayo anozofanirwa kuchinjika kune vatengi avo, vachitoziva kupihwa kweiyo wave wave yebasa rinopihwa. fintech kutanga, vanozotarisira hutsva hwese hwavanoona pamusika kubva kune vane mukurumbira masangano.

Iyo "akaundi yebhangi" uye "savings account" modhi inoita kunge yaenda zvachose. Kana vanhu vazhinji vachiri kushandisa zvigadzirwa izvi, mazuva emafomu ekubhanga akadai apera. Zvizhinji, kunyanya vatengi vadiki, vanoda kuchengetedza mari shoma pane zvavanoda zvekubhadhara zvazvino. zvikwama zvemagetsi. Uye dzimwe nzira, kana anadzo, pane chengetedza pamadhipozitiizvo parizvino zvisingafadze kuPoland, anoda kuunganidza zviridzwa zvinonyanya kushanda. Kwete hazvo nekukurumidza kune stock exchange, asi kune akasiyana marudzi e mutual fund. Ehe, mabhangi anogonawo kupa zvigadzirwa zvakadaro, asi ichi ndicho chimwe chete chezvizhinji zvinopihwa pamusika.

Mabhangi anogona kunge asina basa zvachosekana zvasvika kune nzira dzekutanga dzekudyara. Semuyenzaniso, kana zvasvika pakushandisa zvakadzikama uye zvakakurumbira dhata-inotyairwa kukweretesa mapuratifomu eotomatiki kiredhiti scoring. Mumuenzaniso uyu, pachinzvimbo chekuti bhanga riite semukweretesi, isu tine "social" chikuva chinobatanidza vakawanda vanokweretesa kune vakawanda vanokwereta sevatengi kana mabhizinesi madiki.

Zviripachena, masevhisi akadai anokanganisa basa nekukosha kwemabhanga kumativi ese. Sezvo kubva pakuona kwevanoisa mari, sezvo vari imwe nzira yekuisa uye mari, nzira yekuisa mari kune avo vanayo. Asiwo kune vanokwereta.

Mabhangi nevamwe vakweretesi vechinyakare vanowanzo bvisa mamwe marudzi evakwereta, kusanganisira "vakachengeteka" vane mukana chaiwo wekubhadhara, zvichipihwa iyo inowanzo tsigiro yekutonga.

Zvinogona kutaurwa kuti haisi "yakachengeteka sebhangi", asi kune vakawanda vanokweretesa vane njodzi vanoshuvira kudzoka kuri nani pakudyara, zvingava chimwe chinhu chiri nani pane, semuenzaniso, kuchinjisa, iyo, kunyangwe yakabudirira , maererano nevakawanda, yakawanda ye "casino" pane imwe nzvimbo yekudyara. PaP2P mapuratifomu ekukweretesa, data hombe inobvumira vanoisa mari kuti vape yakadzama uye, zvakakosha, kuongororwa kwenzvimbo kwevanokwereta. Zvichienderana nepuratifomu, mukwereti vanogona kuwana mahombe, akaoma seti ye data yeanokwereta, asi zvakare vanovimba nepuratifomu pachayo kuongorora vanokwereta uye kuita sarudzo dzekutenga pamakirasi easset.

Zvakakodzera kuwedzera kuti pachinzvimbo chekuvimba neakajairwa, uremu hwepasirese njodzi, chikuva chinogona kushandisa yakadzama maitiro uye kuchinjika kune chokwadi chemisika yemuno, pamwe nekufunga nezve yakasarudzika nhoroondo yekiredhiti profiles, zvakanyanya kutsigira vatengesi mukuongorora vanokwereta. masangano emari echinyakare.

2. Peer-to-peer kukweretesa

P2P ane mukurumbira pasi rose ekukweretesa mapuratifomu (2), sekudaidzwa kunoitwa masevhisi aya, anosanganisira Peerform, Lending-Club, Prosper, Funding Circle, Mintos. Haasi ese emapuratifomu aya anoshandisa muchina kudzidza uye hombe data analytics, iyo inofanirwa kuchengetwa mupfungwa kana zvakakosha kuti mumwe munhu ashandise iyi chaiyo nzira.

Fintech mabhangi haafanire kukwikwidza parizvino

P2P yekukweretesa mapuratifomu ndeveboka rakakura rezvigadzirwa zvefintech izvo zvakazotanga mushure medambudziko rezvemari ra2008 uye zvakakuchidzirwa zvakanyanya nekuodzwa mwoyo nemaitiro ekutanga kwebhangi. Nekutariswa kwakasimba, mabhanga akadzora zvakanyanya mashandiro avo kudzikamisa njodzi, zvichisiya mukaha wakakura pamusika. Makambani kubva muindasitiri yefintech akapinda mukati, achiunza mazano matsva kuindasitiri iyo yakamboshaya hunyanzvi.

Kunyangwe kare, makambani madiki, ane hunyanzvi anogona kutora mukana wekutadza kwebazi rezvemari kupindura nekukurumidza, sezvakaratidzwa mumaXNUMXs. PayPal, sevhisi inopa nyore kubhadhara kwepamhepo, iyo panguva iyoyo yaisagona kupihwa nemabhangi uye masevhisi ekubhadhara akadai seVisa kana MasterCard.

Kwemakore akati wandei, mazano matsva akatarisana nemhinduro dzenharembozha uchishandisa mafoni (3). Imwe yekutanga kutanga kweiyi wave itsva ndeyeAmerican Dwolla, iyo yakaunza online yekubhadhara system yakagadzirirwa kunzvenga makadhi echikwereti.

Mari inotamiswa kubva kuaccount yako yekubhangi kuenda Dwall account. Iwe unogona ipapo kutumira mari kune chero mumwe mushandisi weDwolla nekuisa yavo nhamba yefoni, email kero kana zita re Twitter mufoni app. Kubva pakuona kwemushandisi, kukwezva kukuru kwesevhisi ndiyo mutengo wakaderera wekutamisa, uchienzaniswa nemabhangi uye, semuenzaniso, PayPal. Shopify, kambani inotengesa online shopping software, inopa Dwolla senzira yekubhadhara.

Revolut anga ari nyeredzi yeindastiri iri kukura nekukurumidza mumakore achangopfuura. Package yemaakaundi ekubhangi emari yekunzezvakasanganiswa nevirtual or physical kadhi rechikwereti. Nekudaro, iyi haisi bhangi, asi rudzi rwefintech sevhisi (pfupiso ye "financial technology"). Haana kuvharwa nedhipoziti garandi chirongwa, saka kwaizova kusachenjera kuvimba naye nemari yako yawakachengeta. Nekudaro, mushure mekuisa imwe mari muRevolta, tinowana mikana yakawanda iyo yechinyakare mari zviridzwa zvatisingatipe. Maitiro akareruka ekunyoresa haaone chitupa chako. Nechepfungwa, mushandisi anogona kuisa data rekunyepedzera uye kuvhura chikwama chemagetsi. Nekudaro, padanho rino tinowana chigadzirwa chakanyanya kushomeka. Zvinoenderana nemirairo yeEU pa-e-mari uye nekudzivirira kwekubira mari, account isina ongororo yakazara inobvumidza iwe kuizadza nehuwandu hwepamusoro hwePLN 1000 pagore.

Kune akawanda makambani efintech uye kubhadhara kunyorera kunze uko. Ngatitaurei mienzaniso yakadai seStripe, WePay, Braintree, Skrill, Venmo, Payoneer, Payza, Zelle. Uye aya angori mavambo. Tinogona kutaura nezve pfungwa idzi kwenguva yakareba. Iri ibazi rine basa richangotanga.

Mabhangi makuru uye ane mukurumbira ari kukopa fintech mhinduro. Panguva imwecheteyo, ivo vari kukura zvakadzikama uye vanofungidzirwa kuve makore mashanu kumashure paavhareji kana zvasvika kune nharembozha uye yakafanana hunyanzvi. Nekudaro, mabhangi anoziva kuti haafanire kukwikwidza nefintech vatsva.

Iko mukana wehukuru uye kusimudzira kwetiweki yekugovera inovapa kugona kuchengetedza yakakosha mutengi base ine yakakwana uye inofambira mberi inovandudza chigadzirwa. Kutonga kwemasangano makuru kunodzivirira fintechs kubva mukukwikwidzana nemabhangi. Kana bhangi richida chaizvo kuve mutungamiri ane hunyanzvi mumunda, rinogona kutonga nzvimbo yefintech zviri nyore uye nekukasira, sezvo iine mutengo wakaderera wekukwidza mari uye ichikwanisa kushandisa yakawanda mukutora nekuchengetedza vatengi.

Nokudaro, haasi marudzi ose ezvikumbiro ane mazita ekutanga anokonzera kutyisidzira kumabhangi. Dambudziko rakakura kwazvo ringangove rakanyanya muitiro uye tekinoroji nzira inonzi automation. Saka zviri, nekubvisa zvese zvepakati zvinhu mukutonga kwemari, hunhu kunyangwe kune electronic banking. Kana mabhanga akatanga kurasikirwa nehukama hwevatengi nekuda kwe automation, vanove maturusi, vatengesi vepombi nemapombi anoshandiswa kuchengetedza uye kutakura mari kubva kune imwe nzvimbo kuenda kune imwe nzvimbo. Mhedzisiro ibasa risingaoneki rakangwara rinonzwisisa uye rinoitira mutengi zvese.

Uye nezvose izvi, basa rebhangi sechiratidzo chinovimbisa kuchengeteka uye kushanda zvakanaka rinogona kunyangarika. Nekudaro, vanogona here kuzviwana vari munyika ino yeautomated zvemari masevhisi, kwete hazvo sevamiriri vepamusoro uye mamaneja ehomwe, asi sevanovimbisa kuvimbika? Ndiani anoziva? Zvisinei, iri ibasa rakati siyanei nekare.

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