Ngaba wakha wema wacinga ngendawo ubomi bakho bedijithali obuhlala kuyo ngokwenene? Sicofa iifowuni zethu ukuze sihlawulele ikofu, silayishe iifoto, sifake izicelo zamakhadi etyala, size sicinge ukuba ulwazi lwethu lwabucala luyanyamalala lube lilifu elimangalisayo nelikhuselekileyo. Kodwa ilifu alilomlingo. Liqela nje leeseva ezibonakalayo ezihlala kwiindawo zokugcina iimpahla ezinkulu, ezine-air conditioner kwihlabathi liphela. Kwaye kuxhomekeke ekubeni ezo seva zikwindawo enjani, imithetho eyahlukileyo ngokupheleleyo isebenza kulwazi lwakho lomntu.
Le nyaniso ibangela incoko enkulu kwihlabathi lezobuchwepheshe bezemali, izisa ingcamango ebizwa ngokuba yi-"data sovereignty" phambili nangaphakathi.
Masiyihlalutye loo magama, kuba ivakala iyinkimbinkimbi kakhulu kunokuba injalo ngokwenene. Ulawulo lwedatha luthetha nje ukuba ulwazi lwedijithali luphantsi kwemithetho yelizwe, ilizwe, okanye ilizwe elizimeleyo apho lugcinwa khona ngokwasemzimbeni. Ukuba idatha yakho yebhanki ihlala kwiseva eYurophu, imithetho yabucala yaseYurophu iyayikhusela. Ukuba iseMelika, imithetho yase-US iyasebenza. Kangangexesha elide, iinkampani ezinkulu zobuchwepheshe bezilahla idatha yethu naphi na apho indawo yeseva yayingabizi kakhulu. Kodwa abantu ekugqibeleni bayavuka. Sifuna ukwazi ukuba ngubani onokufikelela kwizinto zethu, ngakumbi xa kufikwa kwiiakhawunti zethu zebhanki, imbali yetyala, kunye nobuwena bomntu.
Itekhnoloji yezemali, okanye i-fintech, yenze ubomi bethu baba lula kakhulu. Ungabelana ngetyala lesidlo sangokuhlwa, uthenge amasheya, okanye ufumane imvume yokubambisa imali ngelixa uhleli kusofa yakho unxibe iibhulukhwe ezishushu. Kodwa konke oko kulula kuza nethagethi enkulu emqolo. Abaphangi bahlala bezama ukungena kwezi nkqubo. Ngenxa yoku, iinkampani ze-fintech kufuneka zakhe ii-vault zedijithali ezingenakuphepheka kwiimbumbulu.
Ngoku, khawucinge nje uzama ukwakha ezo zakhiwo zikhuselekileyo kwiimarike ezikhethekileyo—uluntu olusebenza phantsi kwemithetho nenkcubeko eyahlukileyo ngokupheleleyo. Asikuko nje umsebenzi olula wokukopa nokuncamathisela. Kuya kufuneka wakhe iziseko zophuhliso ezenziwe ngokwezifiso nezikhuselekileyo ukususela ekuqaleni.
Xa sithetha ngeemarike ezizezona zibalulekileyo kwimiba yezemali, asithethi nje kuphela ngee-apps zohlahlo-lwabiwo mali zabantwana basekholejini okanye isoftware yerhafu yabayili bemizobo abazimeleyo. Sithetha ngemibutho esemthethweni eyahlukileyo ngokupheleleyo, njengezizwe zaseMelika. Ezi zizwe zizimeleyo zinoorhulumente bazo abaziwayo, iziseko zazo, kunye noqoqosho lwazo lwasekuhlaleni. Kangangamashumi eminyaka, iinkqubo zebhanki zemveli, ezinkulu, bezingazinaki okanye zingazikhathaleli kakhulu ezi ngingqi. Ngenxa yalo msantsa wembali, izizwe ezininzi ziye zathatha izinto ezandleni zazo, zakha iinkqubo zazo zezimali ukuxhasa abantu bazo kunye nokukhuthaza ukukhula koqoqosho lwasekuhlaleni.
Kodwa xa ilizwe elizimeleyo liqhuba inkonzo yezemali, umbuzo omkhulu uphakama: amaphepha edijithali aya phi? Ayinakuphoswa nje kwiseva yenkampani engacwangciswanga phakathi kwelizwe. Oko kuyawutshabalalisa ngokupheleleyo injongo yokuba liqumrhu elizimeleyo. Idatha kufuneka ihlale iphantsi kolawulo olusemthethweni lwesizwe.
Kulapho ke ukungqubana kwezemali kunye netekhnoloji ekhethekileyo kuba nomdla kakhulu. Ukuze bagcine imida yabo yedijithali ikhuselekile njengeyabo, uluntu lwasekuhlaleni lutyala imali eninzi kwiziseko ze-fintech ezenzelwe wena. Baseka amaziko abo edatha asekuhlaleni, besebenzisa imigangatho yokubethela engqongqo kakhulu, kwaye bedala amaqonga okuboleka imali ahambelana ngqo neenyaniso zemali zoluntu lwabo. Umzekelo oyintloko wale ntshukumo kukwanda kokufumaneka kwe- imali mboleko yesizwe, ezibonelela ngeendlela zemali ezifunekayo nezifikelelekayo ngelixa zisebenza ngokungqongqo phantsi komthetho wesizwe. Ukuze ezi nkqubo zemali zisebenze ngokwenene kwaye zakhe ukuthembana, iziseko zedijithali kufuneka ziqine. Iqinisekisa ukuba iinkcukacha zemali ezibuthathaka kakhulu zababoleki zihlala ziphantsi kolawulo oluzimeleyo lwesizwe, zikhuselekile ekuphazamisekeni kwangaphandle.
Ngoko ke, ulwakha njani olu hlobo lobuchwephesha obukhethekileyo? Kuthatha umxube okrelekrele wezixhobo ezinzima kunye nesoftware eyenzelwe wena. Okokuqala, kufuneka ubeke iiseva kwindawo ezimeleyo. Elo linyathelo lokuqala. Okulandelayo, uzisa iingcali zokhuseleko lwe-cyber eziphezulu ukuze zakhe ii-firewall kunye ne-encryption protocols ezikhuphisana noko ubuya kukubona eWall Street. Okokugqibela, abaphuhlisi kufuneka babhale isoftware ukuze iqonde ngokuzenzekelayo kwaye ihambelane nemithetho ethile yelo lizwe lizimeleyo.
Ngumsebenzi omkhulu kakhulu, kwaye awuzukwenzeka ngobusuku obunye. Kodwa umvuzo ufanelekile. Oko ufumana kona ekugqibeleni yinkqubo yezemali engaphelelanga nje ekukhuselekeni okuphezulu kodwa ebahlonipha kakhulu abantu eyayakhelwe ukubanceda.
Njengoko sijonge kwikamva lemali, kucacile ukuba indlela enye yobuchwepheshe bezemali ayisayi kuphinda inciphise loo nto. Abantu bafuna lula i-app, ewe, kodwa bafuna nokhuseleko kunye neenkqubo ezihlonipha imithetho yabo yasekuhlaleni. Ngokugxila kwiziseko zophuhliso zasekuhlaleni nezikhuselekileyo, ishishini le-fintech alikhuseli nje kuphela amanani kwisikrini. Linika uluntu olulodwa izixhobo oluzidingayo ukuze lulawule ngokupheleleyo ikamva labo ledijithali nelezemali.
