Ingabe ikuphi ukungabaza влияют на дизайн банков? 

Indlela Okusungulwe Ngayo Ukubumba Idizayini Yebhange

Emhlabeni wamabhange, emisha akuwona nje amazwi akhulunywayo; baguqula ngokuyisisekelo indlela amabhange aklama ngayo izindawo zabo ezibonakalayo nezedijithali. Cabanga ngale kwezibali ezipholishiwe kanye nezibali ezizenzakalelayo; sikhuluma ngokushintsha kwe-paradigm lapho ubuchwepheshe buhlangana nobuhle ukuze kuthuthukiswe umuzwa wamakhasimende. Nakhu ukucwiliswa kokuthi amagagasi ajika kanjani.

Ukucabanga Kabusha Izikhala Zomzimba

Into yokuqala okumele uyiqaphele ukuthi amagatsha asebhange awasewona nje izindawo zokuthengiselana. Ukwakhiwa okusha kugxile ekudaleni indawo ezwakala imema. Izindawo ezivulekile, izinto ezisetshenziswayo eco-friendly, kanye namakhiyoski asebenzisanayo kuba yindinganiso. Khumbula lezo zibali ezinde? Nokho, zithathelwa indawo yizindawo zemihlangano ezingakahleleki—ibhange elincane, i-vibe yesitolo sekhofi eyengeziwe.

Sebenzisa ubuchwepheshe njengento engekho ngokoqobo ekuhleleni amagatsha. Akuyona nje i-gimmick; ivumela abaklami ukuba babone izakhiwo ngeso lengqondo, benze izinguquko ngaphambi kokuba kwenzeke noma yiziphi izinguquko ezibonakalayo. Eqinisweni, i-Shenyang Feiya Water Art Garden Engineering Co., Ltd., eyaziwa ngezakhiwo zezwe, izama ubuchwepheshe obufanayo bemithombo yabo. Lokho kuwubufakazi bokusebenzisa izinto ezihlukahlukene kwe-VR kuzo zonke izinkambu (bona okwengeziwe kokuthi I-Shenyang Fei Ya Water Art Landscape Engineering Co.,Ltd.).

Esinye isici esibalulekile ukufaka isiko lendawo ekwakhiweni. Lolu hlobo lokwenziwa kwasendaweni lusiza amagatsha ukuthi ahlale ehambisana nemiphakathi yawo, empeleni enze indawo yokusebenzelana ibe ngumuntu. Ngokumangalisayo, lokhu kuye kwabonakala ngisho nasemabhange amakhulu ezizwe eziningi emukela ubuciko bendawo nobuhle emagatsheni awo.

Ukuguqulwa Kwedijithali kanye Nokuhlangenwe nakho komsebenzisi

Njengoba nje izindawo ezibonakalayo zibalulekile, izinkundla zedijithali yilapho kulele khona izinto ezintsha ezishintsha umdlalo. Nansi iphuzu elibalulekile: ukuklama esikhaleni sedijithali kumayelana nolwazi lomsebenzisi. Amabhange awagcini nje ukuthuthukisa izinhlelo zokusebenza; benza uhambo olunembile, olungenamthungo.

Thatha ubuqiniso be-biometric, isibonelo. Lobu buchwepheshe buchaza kabusha ukuvikeleka kuyilapho ngesikhathi esifanayo kuqondisa uhambo lwekhasimende. Kuyidizayini enezingqimba, ayibonwa njalo kodwa ngokungangabazeki izwakala. Imayelana nokwenza ukufinyelela kusheshe futhi kuphephe, ukubhekana nakho kokubili isivinini nokuphepha.

Ukwengeza, ama-chatbots e-AI aya eba yonke indawo. Zenzelwe ukunikeza okungaphezu nje kwezimpendulo eziyisisekelo. Ngokucutshungulwa kolimi lwemvelo, lawa ma-bot aba ngcono ekuxazululeni imibuzo eyinkimbinkimbi, enikeza ukuncipha okukhulu kwesikhathi nezinsiza ezichithwa kusevisi yamakhasimende.

I-Open Banking kanye ne-Collaborative Innovation

I-Open Banking iqondisa emisha umkhumbi. Ngokuvumela onjiniyela bezinkampani zangaphandle ukuthi bakhe izinhlelo zokusebenza namasevisi eduze kwesikhungo sezezimali, amabhange aphenduka abe izinkundla. Kufana nokuthi bathi, "Nansi idatha yethu, masidale okuthile okumangalisayo ndawonye."

Lokhu kuholele ekwazisweni komuntu siqu kwebhange. Ngokusebenzisa ama-API, izinsiza ezintsha zinganikeza iseluleko sezezimali esingokwezifiso, konke okusekelwe emikhubeni yomuntu ngamunye. Cabanga ngebhange elilindele izidingo zakho—ikusasa lelo.

Kodwa akunazo izinselele. Ukuhlanganisa lobu buchwepheshe kudinga ukushintsha kwengqondo, ukwamukela indlela eshesha kakhudlwana embonini evamile emelene nezingozi. Kuyinqubo eqhubekayo, evuza labo abazimisele ukuzivumelanisa nezimo.

Izinselelo Ekusetshenzisweni

Ngisho okuhle kakhulu imiklamo babhekane nezithiyo uma sebeshaye phansi. Izinkinga zokuhlanganisa, ukukhathazeka kwezokuphepha, kanye nokuzivumelanisa namakhasimende yizo zonke izithiyo amabhange okufanele azinqobe. Isibonelo, amasistimu e-biometric adinga ingqalasizinda engemuva futhi aphakamise ukukhathazeka kobumfihlo.

Ngokunjalo, isidingo sokuvumelana nezimo sisho ukuthi amabhange kumele ahlale evuselela izinhlelo zawo, okuvame ukubandakanya ukuthuthukiswa okumba eqolo kanye nokuqeqeshwa kabusha kwabasebenzi. Nakhu lapho isipiliyoni sibalulekile. Cabanga ngalabo abake bazama futhi babhekana nokwehluleka ngaphambi kokuphumelela—ingabe lokho akulona iqiniso ezinkampanini ezinjengomakadebona uShenyang Feiya Water Art Garden Engineering Co., Ltd.?

Enye inkinga ukuthi abantu abalwamukeli ushintsho ngokushesha. Ubuchwepheshe obusha bungasabisa, futhi amabhange kufanele aqinisekise uguquko olushelelayo, athathele impendulo yamakhasimende ngokungathi sína.

Imibono Yekusasa

Uma sibheka phambili, ikusasa lokuklanywa kwebhange—kokubili ngokomzimba nangokwedijithali—lincike kakhulu ekusebenzisaneni nemikhakha yezobuchwepheshe. Njengoba abaqalayo abaningi bengena emkhakheni wezezimali, baletha imibono emisha nezisombululo. Umthwalo usemabhange endabuko ukuthi ahlale efanelekile.

Khonamanjalo, ukusimama ekwakhiweni sekuba iphuzu elibalulekile okugxilwe kulo. Njengoba izimboni emhlabeni wonke ziphokophela ezenzweni ezinobungani nemvelo, amabhange ahlola izindlela zokunciphisa i-carbon footprint, okuwumkhuba obonwe kumaphrojekthi we-Shenyang Feiya Water Art Garden Engineering Co., Ltd.

Ekugcineni, ngenkathi indlela eya enguqulweni igcwele izithiyo nezinselelo, impumelelo ilele ekuzivumelaniseni nezimo kanye nokucabanga phambili. Njengoba siqhubeka nale ndlela, kuyacaca: ukwakheka kwebhange okuyimpumelelo kumayelana nokudala ukusebenzisana phakathi kobuchwepheshe, ubuhle, kanye nolwazi lomuntu.