Wakambomira kufunga nezvenzvimbo chaiyo iri kurarama hupenyu hwako hwedhijitari here? Tinobaya nharembozha dzedu kuti tibhadhare kofi, titumire mapikicha, tinyorere makadhi echikwereti, uye tinongofunga kuti ruzivo rwedu rwepachivande runonyangarika kuita gore remashiripiti, rakachengeteka zvakanyanya. Asi gore harisi remashiripiti. Ingori boka remaseva chaiwo ari mumatura makuru, ane mhepo inotonhorera pasi rese. Uye zvichienderana nekuti maseva iwayo ari kupi, mitemo yakasiyana zvachose inoshanda kune ruzivo rwako rwepachivande.
Chokwadi ichi chiri kutanga hurukuro huru munyika yezvehupfumi, zvichiunza pfungwa inonzi "data sovereignty".
Ngatitsanangurei shoko iroro, nekuti rinonzwika serakaoma kupfuura zvazviri chaizvo. Kutonga kwedata kunongoreva kuti ruzivo rwedhijitari rwunotongwa nemitemo yenyika, dunhu, kana nyika yakazvimirira kwarunochengetwa. Kana ruzivo rwako rwebhangi rwuri paserver muEurope, mitemo yeEuropean privacy inorudzivirira. Kana rwuri muUnited States, mitemo yeUS inoshanda. Kwenguva yakareba, makambani makuru etekinoroji aingorasa data redu chero kwaive kwakachipa sevha. Asi vanhu vava kumuka. Tinoda kuziva chaizvo kuti ndiani anokwanisa kuwana zvinhu zvedu, kunyanya kana zvasvika kumaakaundi edu ebhangi, nhoroondo yechikwereti, uye hunhu hwedu.
Tekinoroji yemari, kana kuti fintech, yakaita kuti hupenyu hwedu huve nyore zvikuru. Unogona kugovanisa mari yekudya kwemanheru, kutenga masheya, kana kubvumidzwa kutenga mortgage wakagara pasofa rako wakapfeka sweatpants. Asi zvese izvi zvinouya nechinangwa chikuru. Matsotsi ari kuramba achiedza kupinda muzvirongwa izvi. Nekuda kweizvi, makambani efintech anofanira kuvaka mavault edhijitari asingapindi mabara.
Zvino, fungidzira uchiedza kuvaka nzvimbo dzisingapindi mabara dzemisika yakasiyana-siyana—nharaunda dzinoshanda pasi pemitemo netsika dzakasiyana zvachose. Harisi basa rekungokopa nekunamira chete. Unofanira kuvaka zvivakwa zvakachengetedzwa uye zvakasarudzika kubva pakutanga.
Patinotaura nezvemisika midiki mune zvemari, hatisi kungotaura nezvemapurogiramu ebhajeti evana vekukoreji kana software yemitero yevagadziri vemifananidzo vanozvimiririra. Tiri kutaura nezvemasangano akasiyana zvachose epamutemo, semadzinza eNative America. Nyika idzi dzine hurumende dzadzo dzinozivikanwa, bumbiro radzo, uye hupfumi hwadzo hwemunharaunda. Kwemakumi emakore, masisitimu ebhangi ane mukurumbira ainyanya kuregeredza kana kusakosheswa zvakanyanya nenharaunda idzi. Nekuda kwemusiyano uyu wekare, madzinza mazhinji akatora zvinhu mumaoko awo, achivaka magariro avo emari kuti atsigire vanhu vavo uye kukurudzira kukura kwehupfumi hwemunharaunda.
Asi kana nyika yakazvimirira ichiita basa rezvemari, mubvunzo mukuru unomuka: mapepa edhijitari anoendepi? Haangogoni kungoiswa musevha yemakambani isina kurongeka pakati penyika. Izvozvo zvinokanganisa zvachose chinangwa chekuva sangano rakazvimirira. Ruzivo urwu runofanira kuramba ruri pasi pesimba remutemo redzinza.
Apa ndipo panonyanya kufadza kusangana kwemari nehunyanzvi hwehunyanzvi. Kuti miganhu yavo yedhijitari irambe yakachengeteka seyeyavo chaiyo, nharaunda dzemuno dziri kuisa mari yakawanda muzvivakwa zve fintech zvakagadzirwa nevanhu. Vari kugadzira nzvimbo dzavo dzedata, vachiisa mitemo yakaoma yekuvhara data, uye vachigadzira mapuratifomu ekukweretesa anoenderana nemamiriro emari enharaunda yavo. Muenzaniso mukuru wekufamba uku ndekuwedzera kuwanikwa kwe zvikwereti zvemadzinza, iyo inopa sarudzo dzemari dzinodiwa uye dziri nyore kuwana uku ichishanda pasi pemutemo wedzinza. Kuti hurongwa hwemari uhwu hushande uye huvake kuvimbana, zvivakwa zvedhijitari zvinofanirwa kunge zvakasimba. Izvi zvinoita kuti ruzivo rwemari rwevanokwereta rurambe rwuri pasi pesimba redzinza, rwakachengeteka kubva pakukanganiswa nekunze.
Saka, unovaka sei rudzi urwu rwehunyanzvi? Zvinoda musanganiswa wakangwara wemidziyo inorema uye software yakagadzirirwa iwe. Kutanga, unofanirwa kuisa maseva chaiwo panyika yekutonga. Ndiyo danho rekutanga. Tevere, unounza nyanzvi dzepamusoro dzekuchengetedza cyber kuti dzigadzire mafirewall uye maprotocol ekuvhara anokwikwidzana nezvawaizoona paWall Street. Chekupedzisira, vagadziri vanofanirwa kunyora software kuitira kuti inzwisise otomatiki uye ienderane nemitemo chaiyo yenyika iyoyo yekutonga.
Ibasa guru, uye haringoitike kamwe kamwe. Asi mubayiro wacho unokosha zvikuru. Chaunowana pakupedzisira ihurongwa hwemari husina kuchengetedzeka chete asiwo hunoremekedza zvikuru vanhu hwakavakirwa kuti hushumire.
Sezvatinotarisa ramangwana remari, zviri pachena kuti nzira imwe chete yekushandisa tekinoroji yemari haisi kuzoderedza mari yacho. Vanhu vanoda nyore kushandisa app, hongu, asi vanodawo kuchengetedzeka uye masisitimu anoremekedza mitemo yemuno. Nekutarisa pazvivakwa zvemuno uye zvakachengeteka, indasitiri yefintech haisi kungochengetedza nhamba pachiratidziro chete. Iri kupa nharaunda dzakasiyana zvishandiso zvavanoda kuti vatore kutonga kwakazara kweramangwana ravo redhijitari neremari.
