Mabanki momwe timawadziwira. Zochita zokha zidzabwera ndikusintha

Mosiyana ndi malingaliro ena, gawo ili silili lolimba konse ndipo silingasinthe. Makampani opanga mabanki akumana ndi zovuta zingapo m'zaka makumi angapo zapitazi, kuyambira pakuyambitsa makina ochotsa ndi kuyika madipoziti mpaka poyambitsa makhadi olipira, ndalama zamagetsi ndi kubanki pa intaneti. Izi zinali zosintha zomwe nthawi zina kukula kwake sikumawonedwa mochepera.

Komabe, mabanki, monga mabungwe ndi mabizinesi omwe amapereka ntchito zosiyanasiyana, amakhalapo ndipo amagwira ntchito mosatekeseka. Akadali malo odalirika kwambiri omwe timasunga kapena kubwereka ndalama kwa iwo. Iye sanathebe kuipitsa mbiri yake ndi udindo wake funde la kutchuka kwa cryptocurrencieszomwe zimakulolani kusunga ndi kusamutsa ndalama mosamala (chitetezo ku kuba, koma osati kutaya mtengo).

Komabe, ngati njira idapezeka yodziyimira pawokha popanda mabungwe azachuma ndi magawo azikhalidwe komanso "ndalama" za digito, ndani akudziwa? Lingaliro lenileni la ndalama zochirikizidwa ndi ukonde zomwe sizisamutsidwa ku banki iliyonse kapena wodalirika wofananira ndikuyenda popanda oyimira pazochitika zotere ndizovuta kwambiri ku maziko enieni a moyo. mabungwe azachuma achikhalidwe. Kuphatikiza apo, monga mukudziwira, mabungwewa amapeza ndalama pamitundu yonse yamakomisheni ndikusinthana kwamitengo mdziko muno. kryptowaluty akusowa.

Chifukwa chake mutha kulipira pakati pa anthu ochokera kumadera awiri osiyanasiyana padziko lapansi, popanda ma komisheni, malire, miyambo, msonkho ndi zopinga zina zilizonse. Choncho, udindo wa osati mabanki okha, koma dongosolo lonse lonse likufooketsa. Uwu ndi mutu wokulirapo womwe tikambirana m'nkhani ina m'magazini ino ya MT.

Kubwerera kumabanki, komabe, mabungwewa amasunga kukhazikika kwandalama, ndipo ndalama za crypto sizitsatiridwa ndi aliyense, chifukwa chake "zachilengedwe" za mawu awo. Tsogolo la mabanki limagwirizana ndi tsogolo la ndalama zachikhalidwe. Ngati pali kupatuka kuchokera kuzinthu zodziwika bwino komanso zotsimikiziridwa, ndithudi, mabanki adzakhala ndi mavuto. kulankhula za dollar madzulo, kukhazikitsidwa kwa ndalama za digito zaku China (zomwe sizingatheke kuti zisamayendetsedwe).

Kumbali ina, izi MasterCard, bungwe lomwe silimenyana ndi mabanki, m'malo mwake, limayamba kuvomereza malipiro mu cryptocurrency. JP Morgan amapereka ngongole cryptocurrency pa Ethereum, ndi China ntchito pa "cryptocurrency" zochokera banki chapakati. Chifukwa chake, zikuwoneka kuti zikunena kuti dziko la mabanki ndi ma cryptocurrencies ndi zotsutsana zosasinthika ndikukokomeza kwakukulu. Komabe, kuwonekera kwa ndalama za digito m'malo ambiri kumatsutsa ntchito yamabanki ndipo mwachiwonekere kumabweretsa chiwopsezo chachikulu (1).

Register of Public Loans

Ngati imodzi mwa ntchito zazikulu za mabanki ndi Kuyang'anira zachuma, ndikusintha kwa zitsanzo za intermediation izi zomwe zingayambitse kusintha kwa mabanki okha, omwe adzayenera kusintha kwa makasitomala omwe, akudziwa kale kuperekedwa kwa ntchito zatsopano zoperekedwa. chiyambi cha fintech, adzayembekezera zonse zatsopano zomwe akuwona pamsika kuchokera kumakampani odziwika bwino.

Njira ya "akaunti yaku banki" ndi "akaunti yosungira" zikuwoneka kuti zapita. Ngati anthu ambiri akugwiritsabe ntchito zinthuzi, masiku a mafomu aku banki otere atha. Mochulukira, makamaka makasitomala ang'onoang'ono, amafuna kusunga ndalama zochepa pazosowa zawo zolipira. ma wallet amagetsi. Ndipo njira zina, ngati ali nazo, m'malo mwake sunga pa madipozitizomwe pakadali pano zilibe chidwi ndi Poland, akufuna kusungira zida zogwira ntchito. Osati nthawi yomweyo ku stock exchange, koma kumitundu yosiyanasiyana yandalama. Inde, mabanki angaperekenso zinthu zoterezi, koma ichi ndi chimodzi mwazinthu zambiri zomwe zimaperekedwa pamsika.

Mabanki akhoza kukhala osowa kwathunthupankhani ya njira zatsopano zopangira ndalama. Mwachitsanzo, zikafika pakugwiritsa ntchito njira zobwereketsa zosadziwika bwino komanso zodziwika bwino zomwe zimayendetsedwa ndi data kuti ziwongolere pangongole. Muchitsanzo ichi, m'malo mwa banki kukhala ngati wobwereketsa, tili ndi "social" nsanja yolumikiza obwereketsa angapo kwa obwereketsa angapo monga ogula kapena mabizinesi ang'onoang'ono.

Mwachiwonekere, ntchito zoterezi zimasokoneza udindo ndi kufunikira kwa mabanki kumbali zonse ziwiri. Monga momwe amaonera osunga ndalama, popeza ndi njira ina yosungiramo ndalama ndi ndalama, njira yopezera ndalama kwa omwe ali nawo. Komanso kwa obwereka.

Mabanki ndi ena obwereketsa achikhalidwe amakonda kusiya mitundu ina ya obwereketsa, kuphatikiza "otetezeka" omwe ali ndi mwayi wobweza, potengera njira zomwe nthawi zambiri zimakhala zolimba.

Zinganenedwe kuti si "otetezeka ngati banki", koma kwa obwereketsa omwe ali pachiwopsezo omwe akuyembekeza kubwezeredwa bwino pazachuma, zitha kukhala zabwino kuposa, mwachitsanzo, kusinthanitsa, komwe, ngakhale kopambana , malinga ndi ambiri, ndi zambiri "kasino" kuposa nsanja ndalama. Pamapulatifomu obwereketsa a P2P, deta yayikulu imalola osunga ndalama kuti apereke mwatsatanetsatane komanso, chofunikira kwambiri, kuwunika kwawoko kwa obwereka. Kutengera ndi nsanja, wangongole atha kukhala ndi mwayi wopeza magulu akulu, ovuta a data yobwereketsa, komanso amadalira zopereka za nsanja powunika obwereka, kupanga zosankha zogula pamakalasi azinthu.

Ndikoyenera kuwonjezera kuti m'malo modalira muyezo, zolemera zapadziko lonse lapansi, nsanja imatha kugwiritsa ntchito njira zotsatizana ndi zomwe zikuchitika m'misika yam'deralo, komanso kuganiziranso mbiri yakale yangongole yamunthu payekha, zambiri zothandizira ndalama pakuwunika obwereketsa. mabungwe azachuma achikhalidwe.

2. Kubwereketsa anzawo ndi anzawo

Mapulatifomu odziwika padziko lonse lapansi a P2P (2), monga momwe mautumikiwa amatchulidwira, akuphatikiza Peerform, Lending-Club, Prosper, Funding Circle, Mintos. Sikuti nsanja zonsezi zimagwiritsa ntchito kuphunzira pamakina ndi kusanthula kwakukulu kwa data, zomwe ziyenera kukumbukira ngati ndikofunikira kuti wina agwiritse ntchito njirayi.

Mabanki a Fintech safunikira kupikisana panobe

P2P nsanja zobwereketsa ali m'gulu lalikulu lazatsopano za fintech zomwe zidayamba pambuyo pavuto lazachuma la 2008 ndipo zidalimbikitsidwa kwambiri ndi kukhumudwa ndi machitidwe amabanki. Poyang'anizana ndi kafukufuku wovuta, mabanki achepetsa kwambiri ntchito zawo zambiri kuti achepetse chiopsezo, ndikusiya kusiyana kwakukulu pamsika. Makampani ochokera kumakampani a fintech adalowererapo, kubweretsa malingaliro atsopano kumakampani omwe sanawonepo zatsopano.

Ngakhale m'mbuyomo, makampani ang'onoang'ono, osakhazikika amatha kutenga mwayi chifukwa cha kusakhoza kwachuma kuyankha mwachangu, monga momwe zidawonetsera mu XNUMXs. PayPal, ntchito yomwe imapereka malipiro abwino pa intaneti, omwe panthawiyo sakanatha kuperekedwa ndi mabanki ndi ntchito zolipira monga Visa kapena MasterCard.

Kwa zaka zingapo, malingaliro atsopano akhala akuyang'ana pamayankho am'manja pogwiritsa ntchito mafoni a m'manja (3). Chimodzi mwazoyambitsa zoyambira zatsopanozi ndi American Dwolla, yomwe idayambitsa njira yolipirira pa intaneti yomwe idapangidwa kuti izilambalala ogwiritsa ntchito makhadi.

Ndalama zimasamutsidwa kuchokera ku akaunti yanu yakubanki kupita Akaunti ya Dwall. Mutha kutumiza ndalama nthawi yomweyo kwa wina aliyense wogwiritsa ntchito Dwolla polemba nambala yake ya foni, imelo adilesi, kapena dzina la Twitter mu pulogalamu yafoni. Kuchokera pamalingaliro a wogwiritsa ntchito, kukopa kwakukulu kwa ntchitoyi ndi mtengo wotsika kwambiri wa kusamutsa, poyerekeza ndi mabanki ndi, mwachitsanzo, PayPal. Sungani, kampani yomwe imagulitsa mapulogalamu ogula pa intaneti, imapereka Dwolla ngati njira yolipira.

Revolut wakhala nyenyezi yamakampani omwe akukula mwachangu m'zaka zaposachedwa. phukusi la maakaunti akubanki akunjakuphatikiza ndi pafupifupi kapena thupi kiredi. Komabe, iyi si banki, koma mtundu wa utumiki wa fintech (chidule cha "teknoloji yazachuma"). Sakuphimbidwa ndi ndondomeko ya chitsimikiziro cha depositi, kotero sikungakhale kwanzeru kumukhulupirira ndi ndalama zanu. Komabe, tikayika ndalama zina ku Revolta, timapeza mipata yambiri yomwe zida zachikhalidwe sizimatipatsa. Kulembetsa kosavuta sikutsimikizira kuti ndinu ndani. Mwachidziwitso, wogwiritsa ntchito amatha kulowa mu data yabodza ndikuyambitsa chikwama chamagetsi. Komabe, pamlingo uwu timapeza mankhwala ochepa kwambiri. Mogwirizana ndi malamulo a EU pa e-ndalama komanso kupewa kuwononga ndalama, akaunti yopanda kutsimikizira kwathunthu imakulolani kuti muyibwezeretsenso ndi kuchuluka kwa PLN 1000 pachaka.

Pali makampani ambiri a fintech ndi ntchito zolipira kunja uko. Tiyeni titchule zitsanzo monga Stripe, WePay, Braintree, Skrill, Venmo, Payoneer, Payza, Zelle. Ndipo ichi ndi chiyambi chabe. Tikhoza kulankhula za malingaliro amenewa kwa nthawi yaitali. Iyi ndi gawo lomwe ntchito yake ikuyamba kumene.

Mabanki akulu ndi odziwika akukopera fintech mayankho. Panthawi imodzimodziyo, akukula pang'onopang'ono ndipo akuyerekezedwa kuti atsalira zaka zisanu pa avareji pokhudzana ndi zamakono zamakono ndi zofanana. Komabe, mabanki amadziwa kuti sayenera kupikisana ndi obwera kumene a fintech.

Ubwino wa kukula ndi chitukuko cha maukonde ogawa kumawapatsa kuthekera kosunga makasitomala ambiri okhala ndi zinthu zokwanira komanso zotsogola pang'onopang'ono. Kulamulira kwa mabungwe akuluakulu kumalepheretsa fintechs kupikisana kwenikweni ndi mabanki. Ngati banki ikufunadi kukhala mtsogoleri wotsogola m'mundamo, imatha kulamulira malo a fintech mosavuta komanso mwachangu, chifukwa imakhala ndi mtengo wotsika wopeza ndalama ndipo imatha kuwononga ndalama zambiri pakupeza makasitomala ndikusunga.

Choncho, si mitundu yonse ya mapulogalamu omwe ali ndi mayina oyambirira omwe amachititsa kuti mabanki awonongeke. Vuto lalikulu lomwe lingakhalepo ndilofala kwambiri komanso njira yaukadaulo yotchedwa automation. Choncho, pochotsa zinthu zonse zapakatikati mu kayendetsedwe ka ndalama, khalidwe ngakhale kwa banki yamagetsi. Ngati mabanki ayamba kutaya ubale wamakasitomala chifukwa chodzipangira okha, adzakhala zida, ogulitsa mapaipi ndi mapaipi omwe amagwiritsidwa ntchito posungira ndi kutumiza ndalama kuchokera kumalo kupita kumalo. Chotsatira chake ndi ntchito yosaoneka yanzeru yomwe imamvetsetsa ndikuchita zonse kwa kasitomala.

Ndipo ndi zonsezi, udindo wa banki monga chizindikiro chomwe chimatsimikizira kuti chitetezo ndi chitetezo chikhoza kutha. Komabe, kodi angadzipezebe ali m'dziko lino la ntchito zachuma, osati ngati oyimira pakati komanso oyang'anira thumba labwino, koma ngati otsimikizira kudalirika? Angadziwe ndani? Komabe, uwu ndi udindo wosiyana pang'ono ndi kale.

Onaninso: