Ndizovuta kunena kuti pakhala luso labwino pamsika wa fintech kuposa blockchain mzaka khumi zapitazi. Tekinoloje yaying'ono koma yamphamvu yasintha kwathunthu kumvetsetsa kwa ndalama kwa anthu ambiri. Komabe, sizinthu zatsopano zomwe dziko la fintech limayembekezera, kapena kuzipempha.
Zachidziwikire titha kunena kuti kufunikira kwa ma cryptocurrensets ndizomwe zimatsimikizira kukhazikitsidwa kwa blockchain, koma sizitero ayi. Ma cryptocurrensets samapereka phindu m'njira yomwe timayembekezera kuti ichita mwanjira ya fintech. Zachidziwikire zimaloleza kugula kwina ndi kwina, koma nthawi zambiri, wogwiritsa ntchito nthawi zonse amanong'oneza bondo chifukwa chogwiritsa ntchito Bitcoin, ndipo sizinthu zatsopano zomwe zimayenera kuyimira.
Kuphatikiza apo, ma cryptocurrensets sikuti ndi chuma chokha, chida chothandizira ndalama osati njira yosinthana. Nthawi zonse pamakhala kusintha kwamitengo ya Bitcoin komanso kuchuluka kwake, koma palibe zosintha zomwe zikuchitika pompano pazachuma padziko lapansi.
Koma tiyeni tisiyane ndi ma cryptocurrencies munkhaniyi ndikuyang'ana pa blockchain yonse komanso gawo lake pakampani yogulitsa ndi yachuma.
Blockchain ndi yotsutsana
Kodi chatsopano chingadzitchule chonchi bwanji pomwe theka la maboma apadziko lapansi likutsutsana ndi kukhazikitsidwa kwake? Kodi luso lingadziyitane lokha labwino bwanji pamene gawo lalikulu lazogwiritsidwa ntchito ladzipereka kuchitapo kanthu zoletsedwa konsekonse?
Awa ndi mafunso omwe akatswiri ambiri a fintech amafunsana akazindikira blockchain ngati chinthu chotsatira kwambiri kuyambira buledi wodulidwa. Zachidziwikire kuti zimathandizira potuluka mwachangu komanso motetezeka, koma kodi mtengowo ndiwokwanira kulipira pazinthu zonse zomwe zingayambitse? Anthu ambiri amaganiza kuti ayi, ndiyotsika mtengo kwambiri. Tsoka ilo, anthu amenewo amakonda kukhala asenema, andale otchuka kapena azachuma komanso otsogolera nawonso.
Ngakhale titabweretsa ma cryptocurrencies mu equation pamakhala phindu locheperako lomwe lingapezeke mwa iwo. Ndipo tikalingalira ukadaulo wa blockchain pawokha ngati gawo "lothandiza" palibe zambiri zoti tinganene.
Ukadaulo womwewo udangokhala wotsogolera zochitika P2P zotetezeka pang'ono zomwe zidasandulika mabizinesi. Tsopano zochitika zonse zomwe zimaperekedwa kwa wothandizira zimalembedwa ndikudziwitsidwa kwa oyang'anira ndalama zakomweko.
Ndizogwiritsira ntchito ndalama ndi njira zowonjezera zosinthira kukhala Bitcoin kapena ma cryptos ena.
Koma kodi ndi nzeru ziti zomwe fintech imafuna kuti zitengeredwe? Chabwino, ndendende zomwe blockchain imachita koma popanda ma cryptos.
Zochita mwachangu ndizatsopano m'zaka zana zapitazi
Ziribe kanthu momwe timaziyang'ana, pakufunika kwakukulu kwakukweza mwachangu pachuma chamakono ndi digito. Komabe, izi sizofunikira kwenikweni kwa kasitomala. Ndikufuna kwa wopanga.
Mukuwona, tikamapereka zolipira kuti tigule, sitiyenera kudikira kuti wogulitsa alandire ndalamazi, dongosolo limayikidwa nthawi yomweyo. Kutengera ndi malonda titha kulandira nthawi yomweyo, kapena kudikira masiku ochepa chifukwa chobweretsa.
Wogulitsayo amayenera kudikirira mpaka ndalama zitakonzedwa ndi mabanki ndipo pamapeto pake avomerezedwa pa akaunti yawo. Izi nthawi zina zimakhala vuto lalikulu pokhudzana ndi momwe wogulitsa angalandire ma oda ochuluka panthawi yomwe asungidwe omwe adakonza sikokwanira kutsatira malamulowa. Alibe mwayi wopeza ndalama zomwe makasitomala amalipira chifukwa zikuyembekezeredwa ku banki.
Ndikugulitsa mwachangu, bizinesi yapadziko lonse lapansi imathamanga kwambiri chifukwa chake imapezeka mosavuta.