Kukula Kwa Digital Wallet Kulandila Nthawi Ya Mliri

Digital Wallet Adoption

Msika wolipirira digito padziko lonse lapansi ukuyembekezeka kuchoka ku USD 79.3 biliyoni mu 2020 mpaka USD 154.1 biliyoni pofika 2025, pa Mtengo Wowonjezera Kukula Kwawo (CAGR) wa 14.2%.

Masiketi

Tikakumbukiranso, tiribe chifukwa chokayikira chiwerengerochi. Ngati pali chilichonse, ngati tisunga mavuto amakono a coronavirus poganizira, kukula ndikukhazikitsidwa kumakula. 

Mavairasi kapena opanda virus, a kukwera pamalipiro osalumikizana anali kale pano. Popeza ma wallet a smartphone amakhala pakatikati pa momwe makina amagwirira ntchito, panali kuwuka kowonekeranso pakukhazikitsidwa kwawo. Koma kuyambira pomwe mbiri yamomwe ndalama imatha kunyamula ma coronavirus masiku angapo kumapeto kwake, chidwi cha pafupifupi aliyense padziko lonse lapansi chasintha ma wallet digito

Koma nchiyani chomwe chimapangitsa ma wallet am'manja mulungu-kutumiza njira ina kuposa ndalama za fiat? Yankho la funso ili likupezeka pazinthu zomwe zakhazikitsidwa. Nawu mndandanda wazinthu zomwe pulogalamu yachikwama yama foni iyenera kukhala nayo:

Muyenera Kukhala Ndi Zinthu Zam'manja Zikwama

  • Kutetezedwa Kwazinthu Zambiri  - Mbali yoyamba yomwe chikwama chilichonse chamagetsi chokhala ndi digito chiyenera kukhalira ndi chitetezo chosasweka. Njira imodzi yotsimikizira kuti ndi kudzera pakuphatikiza njira zowunikira zambiri. Zomwe zikutanthawuza ndikupangitsa ogwiritsa ntchito kupititsa osachepera 2-3 mayeso achitetezo asanafike pomwe angawone kuchuluka kwa akaunti yawo kapena kutumiza ndalama kwa anzawo. 
  • Dongosolo La Mphoto - Chimodzi mwazifukwa zazikulu zomwe anthu amagwiritsa ntchito ma wallet ama digito ngati PayPal kapena PayTM ndi machitidwe awo opindulitsa. Pazogulitsa zilizonse zomwe ogwiritsa ntchito amachokera, ayenera kupatsidwa mphotho, yomwe itha kukhala yamaponi kapena yobweza. Izi zokha zitha kukhala njira yabwino yosungira ogwiritsa ntchito kubwerera ku pulogalamuyi. 
  • Gulu Lothandizira Lothandizira - Chidandaulo chomwe ogwiritsa ntchito amakhala nacho nthawi zonse ndimabanki awo ndi momwe angakhalire osagwira ntchito panthawi yakusowa. Mukakhala mukugwiritsa ntchito chikwama, pali zinthu zingapo zomwe zitha kusokonekera kwa wogwiritsa ntchito - atha kutumiza mwangozi ndalamazo kwa munthu wolakwika, atha kuyika ndalama zolakwika, kapena zomwe zimadziwika kwambiri - zomwe amalandila maakaunti koma osafikira munthu yemwe akufuna. Kuti athetse mavutowa ndi paranoia munthawi yeniyeni, payenera kukhala zida zothandizira pulogalamu. 

Tsopano popeza taona zinthu zomwe zimapangitsa kuti zikwama zadijito zidziwike, tiyeni tifike pamalingaliro ake chifukwa chomwe tikuganiza kuti kwayamba kugwiritsidwa ntchito mwamagetsi kwama wallet apadziko lonse lapansi. 

Zifukwa Zomwe Zikukulirakulira mu Mobile Wallets

  1. Kuopa kutenga kachilomboka - Chifukwa choopa kuti agwira coronavirus, ogwiritsa ntchito akuletsa kugwiritsa ntchito ndalama za fiat. Koma izi sizikutanthauza kuti kukwera kwa zikwama zama digito sichoncho? Popeza nthawi zonse amatha kugwiritsa ntchito ma kirediti kadi kapena kirediti kadi. Apa ndiye mfundoyi. Ogwiritsa ntchito akuletsa kukhudza chilichonse - makina a atm, makina a POS, kapena makina ena aliwonse omwe angawathandize kuchita zochitika zandalama. Ichi ndiye chifukwa chimodzi chokha chomwe adathandizira kwambiri ma wallet adijito osalumikizana. 
  2. Zambiri - China chomwe chimagwira ntchito mokomera kukula kwa zikwama zam'manja ndikudziwa momwe ogwiritsa ntchito fintech alili ndiubwino womwe ungapereke. Chiyambire kutchuka kwa ma wallet kudafika pachimake, makasitomala (makamaka mamiliyoni azaka zambiri) adziwa momwe angawagwiritsire ntchito komanso momwe alili mfundo zambiri kuposa kugwiritsa ntchito ndalama za fiat. Ogwiritsa ntchito a zaka zikwizikwi adachitanso gawo lalikulu pakuphunzitsa Generation X ndi Boomers chifukwa chake ndi nthawi yoti musiye ndalama za fiat. 
  3. Kuvomereza konsekonse - Lero, kulibe bizinesi iliyonse, zipatala, kapena masukulu omwe sanamvepo kapena sakugwiritsa ntchito zikwama zadijito. Kulandilaku kwadzetsa kukwera kwamitengo yakukhazikitsidwa kuchokera kumapeto kwa makasitomala nawonso. Kusakwanitsa kusanyamula ndalama kapena mwayi woti ungasungire zolipira kapena ma kirediti kadi omwe awonjezeredwa pakulandila kwamapulogalamu azikwama zam'manja kwapangitsa kuti anthu aziponya ndalama zonse. 
  4. Kuthandizidwa ndiukadaulo - Chotsatira chomwe chinali nacho ndipo chikubweretsabe kukwera kwa ma wallet am'manja ndikubwezeretsa ukadaulo. Makampani azikwama zam'manja monga Stripe, PayPal, ndi ena amakhala ndi ukadaulo wopereka 100% yaumboni wosavomerezeka. Kuphatikiza apo, pakuphatikiza pulogalamuyi ndi ma API omwe amawapangitsa kukhala gawo limodzi lokhalira kusungitsa ndalama ndi zosowa zawo, makampani akugwiritsa ntchito ukadaulo wawo kuti athe kuyeserera kasitomala, pomwe nawonso, makasitomala awo akuyankha powasinthanitsa ndi zikwama zawo zakuthupi. 

Kodi Wolemba Zamalonda wa Fintech Ayenera Kuyankha Bwanji?

Kuyankha koyenera komwe wochita bizinesi wa Fintech ayenera kukhala nako pakusintha kwamachitidwe ogula akuyenera kukhala njira zodziwikiratu kuti zizigulitsa. Chimodzi mwazinthu zomwe akuyenera kudziwa ndikuti kuyanjana kwa anthu kwatsala pang'ono kukhala chizolowezi chatsopano. Ndipo monga pafupifupi bizinesi iliyonse pansi pano, iwonso ayenera kuyang'ana njira zopangira makasitomala awo kukhala osalumikizana momwe angathere. 

Tikukhulupirira kuti mpaka pano, mukadatha kudziwa ma wallet amafunika bwanji takhala m'miyoyo ya aliyense komanso momwe njira yokhayo yopita patsogolo kudera la Fintech. 

Ndili ndi chiyembekezo chimenecho, tiyeni tikusiyireni mawu ogawanitsa:

M'dongosolo lamakono, kulipira popanda ndalama ndi njira yofunika yodzitetezera komanso kuteteza ena kufala kwa matenda a coronavirus. Kuchulukitsidwa kwa makhadi osalumikizana ndi gawo labwino kwambiri, komabe, ngati kuli kotheka tikulimbikitsa makasitomala athu kugwiritsa ntchito zikwama zadijito popeza ali ndi chitetezo chowonjezera chosafunikira kuyika PIN pa PIN Pad ngakhale atagwiritsa ntchito ndalama zingati, chifukwa m'malo mwake amagwiritsira ntchito ID kapena nkhope ID.

Kate Crous Woyang'anira wamkulu wa 'banking tsiku lililonse' ku Commonwealth Bank ku Australia

Kodi mukuganiza kuti ma wallet amayenda mtsogolo mwa gawo la fintech? Gawani malingaliro anu mu ndemanga pansipa. 

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