2025-07-19
Kwilizwe lebhanki, Intshayelelo ayizizo ii-buzzwords; Baguqula indlela iibhanki zoyile ngayo iindawo zabo zomzimba kunye nedijithali. Cinga ngaphaya kwezinto zokubala eziposayo kunye nabathengisi abazenzekelayo; Sithetha ngotshintsho lweparadigm apho itekhnoloji ihlangana khona i-aesthetics ukuphucula amava abathengi. Nantsi i-dive kwindlela amaTyala ajika ngayo.
Into yokuqala yokuqonda kukuba amasebe ebhanki akasasebenzi nje ngamanqaku entembeko. Izinto ezintsha kugxilwe kuyilo ekusetyenzisweni kwendalo evakalelwa kukuba imeme. Iindawo ezivulekileyo, izixhobo ze-eco-Gqibezela, kunye nee-kiosdis ezisebenzayo ziyahluleka. Khumbula ezo zwinti zide? Ewe, bathatyathwa endaweni yebhanki engacwangciswanga-ibhanki encinci, ivenkile yekofu yekofu.
Thatha itekhnoloji njengento ebonakalayo ekucwangcisweni kwesebe. Ayisiyo nje i-gimmick; Ivumela abaqulunqi bokujonga ubume, ukwenza uhlengahlengiso ngaphambi kokuba kufike naluphi na utshintsho olwenziwe emzimbeni. Ngapha koko, uShenyang Feiya wamanzi Artiya Amanzi kwiGadi yeGadi C., i-LTD. Leyo yiTestamente ukuba i-vr iguquguqukayo ngaphesheya kwamasimi (jonga ngakumbi kwi I-Shenyang Fei ya amanzi Art ForturCape yobunjineli CO., Ltd., Ltd.).
Enye into ebalulekileyo ibandakanya inkcubeko yasekhaya ibe yiYilo. Olu hlobo lokwenza indawo lunceda amasebe ahlala ehambelana noluntu lwabo, ngokuyintloko nolwazamisela umntu obekubekelwe ngenye indlela. Ngokumangalisayo, oku kuye kwabonwa kwiibhanki ezinkulu zokwamkela ubugcisa bendawo kunye ne-aesthetics emasebeni awo.
Kangangoko iindawo ezibonakalayo zibalulekile, ii-arenas zedijithali ziphi na apho ukutshintsha umdlalo-jikelele ubuxoki. Nantsi i-punchline: Uyilo kwindawo yedijithali lumalunga namava abasebenzisi. Iibhanki azisaphuhlayo nje i-Apps; Bakhanyisa i-euritive, uhambo olungenamthungo.
Thatha isiqinisekiso se-biometric, umzekelo. Itekhnoloji iphinda ihlawulwe ukhuseleko loxa kwangaxeshanye ngokubhekisele kuhambo lwabathengi. Yiyilo yendawo, engakhange ibonwe kodwa ngokungathandabuzekiyo ivakalelwa. Imalunga nokufikelela ngokukhawuleza kwaye ikhuseleke, ilungisa zombini isantya kunye nokhuseleko.
Ukongeza, iingxoxo ze-AI ziya kuba zi-biquitoous. Bayilelwe ukubonelela ngeempendulo ezisisiseko. Ngolwimi lwendalo, le BOTS ingaba ngcono ekusombululeni imibuzo entsonkothileyo, ukubonelela ngokuncitshiswa okubalulekileyo ngexesha kunye nezixhobo ezichithwe kwinkonzo yabathengi.
Vula i-bankinking iqhuba i ubuchule inqanawa. Ngokuvumela abaphuhlisi bomntu ukuba bakha izicelo kunye neenkonzo ezikwiziko lezemali, iibhanki zijika zibe ngamaqonga. Kufana nokuba bathi, "Nantsi idatha yethu, masidala into emangalisayo."
Oku kukhokelele kumava asebenza ngakumbi ebhanki. Ngokuphatha i-APIS, iinkonzo ezintsha zinokubonelela ngeengcebiso zezezimali ezihleliweyo, zonke zisekwe kwimikhwa yomntu ngamnye yomsebenzisi. Khawufane ucinge ngebhanki elindeleyo iimfuno zakho - likamva.
Kodwa ayikho ngaphandle kwemiceli mngeni. Ukudibanisa ezi teknoloji kufuna utshintsho engqondweni, yamkela indlela engaphezulu ye-Agile kwishishini elinobungozi ngokwesiko. Yinkqubo eqhubekayo, enye ebavuza abo banomdla wokuziqhelanisa.
Neyona ilungileyo uyilo Ubume bawo bakuba bebethile emhlabeni. Imicimbi yokudibanisa, iinkxalabo zokhuseleko, kunye nokulungelelaniswa kwabathengi ziibhanki ezinqabileyo kufuneka zoyise. Umzekelo, iinkqubo ze-biometric zifuna iziseko zophuhliso ze-backend kwaye zikhathazekile zabucala.
Ngokukwanjalo, imfuneko yokuziqhelanisa nokuziqhelanisa kuthetha ukuba iibhanki kufuneka ihlaziye rhoqo iinkqubo zazo, kubandakanya ukuphuculwa kweendleko kunye nabasebenzi ukurhoxiswa. Nantsi apho amava aBala. Cinga ngabo bazame kwaye bajamelene neentsilelo phambi kokuphumelela - ayiyinyani na kwiinkampani ezifana ne-veteran sheen sheen sheiya namanzi oquiya iGadi yeGadi yeGadi yeGadi yeGadi.
Omnye umba kukuba abantu abasoloko bemamkela ngokukhawuleza. Iitekhnoloji ezintsha zinokusoyikisa, kunye neebhanki kufuneka ziqinisekise ngotshintsho olugudileyo, ukuthatha ingxelo yabathengi.
Ukujonga phambili, ikamva lokuyilwa kwebhanki-zombini ukuzonwabisa ngokwasemzimbeni kunye nedijithali kwintsebenziswano namacandelo eTekhnoloji. Njengoko ukuqalisa okungakumbi kufaka indawo yemali, bazisa umbono omtsha kunye nezisombululo. I-Onus ikwiibhanki zemveli ukuze ihlale ifanelekile.
Ngeli xesha, uzinzo loyilo luyindawo ephambili ekugxilwe kuyo. Njengamashishini e-pivot ye-pivot yenkqubo ye-eco-e-eco, iibhanki zihlolisisa iindlela zokunciphisa i-carbon yonyawo, umkhondo ubonwa kwiiprojekthi nguShenyang Feiya amanzi owema
Ekugqibeleni, ngelixa indlela eya evele i-Innovation ifakwe kwizithintelo kunye nemiceli mngeni, impumelelo ixhomekeke kulungelelwaniso nasekucingeni phambili. Njengoko siqhubeka phantsi le ndlela, kucacile: Uyilo oluphumelelayo lwebhanki malunga nokudala ubudlelwane phakathi kwetekhnoloji, ubudoda, kunye namava omntu.