Kodi pakadali pano msika wamabanki amagetsi ogawana nawo tsopano?

Msika wamabanki ogawana nawo akadali pagawo lachitukuko chopitilira. Ndi kufunikira kokulirapo kwa kulipiritsa kosavuta, msika uli ndi phindu lalikulu. Malinga ndi zoneneratu za PwC, pofika chaka cha 2025, chuma chogawana chidzakwera kufika pa $335 biliyoni, ndipo kudalirana kwa mayiko ndi kukwera kwa mizinda ndizomwe zimayambitsa kukula kumeneku. Uwu ndiyenso woyendetsa wamkulu wa kutchuka ndi kukula kwa msika wa banki yogawana mphamvu.

1. Ndalama zobwereka

Mapulatifomu a banki yogawana mphamvu amapeza ndalama polipira lendi. Ogwiritsa ntchito amatha kubwereka mabanki amagetsi kudzera mu APP ndikuwabweza atawagwiritsa ntchito kwakanthawi. Pulatifomu imalipira ndalama zina malinga ndi nthawi yobwereka komanso kuchuluka kwa mabanki amagetsi. Mtunduwu ndi wofanana ndi wobwereketsa wanthawi zonse ndipo ukhoza kupeza ndalama zina. Makampani amabanki amagetsi omwe amagawana nawo amalipira ndalama zolipirira zida, ndalama zokonzetsera komanso phindu pokhazikitsa chindapusa.

2. Kutsatsa

Zida zamabanki amagetsi ogawana nthawi zambiri zimakhala ndi zowonera zomwe zitha kugwiritsidwa ntchito kusewera zotsatsa. Mabanki ogawana nawo atha kupeza ndalama zotsatsa pobwereka malo otsatsa kwa amalonda. Popeza mabanki amagetsi amakhala ndi nthawi yayitali yogwiritsa ntchito, ogwiritsa ntchito nthawi zambiri amawonetsedwa zotsatsa akamagwiritsa ntchito mabanki amagetsi, zomwe zimapatsa otsatsa njira yolimbikitsira mtundu. Pulatifomu yogawana mphamvu ya banki imatha kukhazikitsa zotsatsa potengera kugwiritsa ntchito banki yamagetsi komanso kutsatsa kotsatsa kuti mupeze phindu.

3. Kupititsa patsogolo mgwirizano

Mabanki amagetsi ogawana nawo amagwirizana ndi malo ogulitsira, mahotela, masiteshoni ndi malo ena kuti ayike mabanki amagetsi m'malo ambiri, ndikupereka mawonekedwe ochulukirapo a mabanki amagetsi omwe amagawana nawo. Kupyolera mu kukwezedwa kwa anzawo, mabanki amphamvu omwe amagawana nawo amatha kupeza phindu lazamalonda.

Kapangidwe ka phindu la othandizira banki yogawana mphamvu:

Mlingo wogwiritsa ntchito zida: Mtengo wobwereketsa wa zida umakhudza mwachindunji phindu. Ngati kugwiritsidwa ntchito kwa mabanki amagetsi kuli kwakukulu, zikutanthauza kuti ogwiritsa ntchito ambiri ali okonzeka kulipira, motero amachulukitsa phindu.

Malo opikisana: Kuchuluka kwa mpikisano pamsika kudzakhudzanso phindu. Ngati pali mabanki ambiri omwe amagawana nawo pamsika, zitha kuyambitsa nkhondo zamitengo, potero kukakamiza malire a phindu, kotero ukadaulo wa zida zomwezo (mphamvu ya banki, kuthamanga komanso kukhazikika) zimatsimikiziranso kusankha kwa ogula.

Kukhutitsidwa kwa ogwiritsa ntchito: Kupereka ntchito zapamwamba kumatha kupititsa patsogolo kukhutira kwa ogwiritsa ntchito, kulimbikitsa ogwiritsa ntchito kuti agwiritsenso ntchito, kuonjezera kukakamira kwa ogwiritsa ntchito, ndikuwonjezera mitengo yobwereketsa.

Ndalama zamabanki amagetsi omwe amagawana nawo zimagwirizana kwambiri ndi malo (okwera okwera) a mabanki amagetsi omwe amagawana nawo. Malo osiyanasiyana monga malo odyera, mahotela, makalabu, mabara, ma KTV, ma eyapoti, masiteshoni, malo osambira, malo odyera, malo ogulitsira zakumwa, malo ogulitsira, malo owonera makanema, ndi zina zambiri ali ndi milingo yolipirira yosiyana.

Malingana ndi momwe msika ulipo panopa, ambiri a iwo adzakhazikitsidwa pa 2-3 euro / ora. (tengani msika wa ku Ulaya mwachitsanzo) Pambuyo pa nthawi yobwezera, ndalama zotsatila zapaipi za nthawi yayitali zimakhala zawo.

Mabanki amagetsi omwe amagawidwa ndi osiyana ndi mafakitale ena omwe amagawana nawo monga magalimoto ogawana, zovala zogawana, ndi njinga zogawana nawo. Mwachitsanzo, njinga zomwe zimagawidwa zimakhala ndi zofunikira kwambiri pamapulogalamu ndi zida zazinthu, komanso njira zotsatsira malonda nazonso ndizokwera kwambiri.

Kuphatikiza apo, kugwira ntchito ndi kukonza kumafunanso ndalama zambiri. Ngakhale ndi chuma chogawana, mtundu wa bizinesi uli ngati bizinesi yachikhalidwe.

Mabanki ogawana mphamvu ndi osavuta. Kabati ya banki yamagetsi imayikidwa pamalo okhazikika, ndipo imangofunika kuyembekezera kuti ogwiritsa ntchito azigwiritsa ntchito. Ndalama zoyambilira zimakhala zambiri, ndipo zowononga pambuyo pake zimakhala zotsika komanso zosavuta kuposa zogulira njinga.