Pamene tikuyandikira chaka cha 2025, msika wa banki yogawana nawo watsala pang'ono kukula, motsogozedwa ndi kudalira kwakukulu kwa zida zam'manja komanso kufunikira kwa njira zolipirira zosavuta. Komabe, bizinesi yomwe ikukulayi ikukumananso ndi zovuta zambiri zomwe zingakhudze njira yake.
The Current Landscape
Msika wamabanki ogawana nawo wawona kukula kwakukulu pazaka zingapo zapitazi, chifukwa cha kuchuluka kwa mafoni, mapiritsi, ndi zida zina zamagetsi. Malinga ndi kafukufuku wamsika waposachedwa, msika wamabanki ogawana nawo padziko lonse lapansi unali wamtengo wapatali pafupifupi $1.5 biliyoni mu 2020 ndipo akuyembekezeka kufika $5 biliyoni pofika 2025, ukukula pamlingo wokulirapo pachaka (CAGR) wopitilira 25%. Kukula kumeneku kumabwera chifukwa chakuchulukirachulukira kwa njira zolipirira popita, makamaka m'matauni komwe ogula amalumikizana pafupipafupi.
Mavuto Omwe Akukumana Nawo Msika
Ngakhale pali chiyembekezo chakukula, msika wamabanki ogawana nawo ulibe zovuta zake. Nazi zina mwazovuta zomwe okhudzidwa adzafunika kuthana nazo:
1. Kuchuluka kwa Msika
Pamene msika ukukulirakulira, kuchuluka kwa osewera omwe akulowa nawo gawo la banki yamagetsi akuchulukirachulukira. Kuchulukiraku kungayambitse mpikisano waukulu, kutsitsa mitengo ndi kufinya mapindu a phindu. Makampani adzafunika kudzipatula pogwiritsa ntchito ntchito zatsopano, ukadaulo wapamwamba, kapena mayanjano apadera kuti akhalebe ndi mpikisano.
2. Zolepheretsa Kuwongolera
Makampani omwe akugawana nawo mabanki amatsatiridwa ndi malamulo osiyanasiyana, kuphatikiza miyezo yachitetezo ndi zofunikira zamalayisensi. Pamene maboma padziko lonse lapansi akukhala okhwimitsa malamulo awo, makampani amatha kukumana ndi kuchuluka kwa ndalama zotsatiridwa ndi zovuta zogwirira ntchito. Kutsata malamulowa ndikofunikira kuti osewera amsika apewe zilango ndikuwonetsetsa kuti zikuyenda bwino.
3. Kupita patsogolo kwaukadaulo
Kufulumira kwa kupita patsogolo kwaukadaulo kumabweretsa zovuta komanso mwayi. Ngakhale matekinoloje atsopano amatha kupititsa patsogolo luso komanso luso la ogwiritsa ntchito mabanki amagetsi omwe amagawana nawo, amafunikiranso ndalama zopitilira kafukufuku ndi chitukuko. Makampani omwe amalephera kutsatira zomwe zikuchitika paukadaulo amatha kukhala osatha pamsika womwe ukupita patsogolo.
4. Makhalidwe a Ogula ndi Zokonda
Kumvetsetsa machitidwe a ogula ndikofunikira kuti apambane mumsika wamabanki ogawana nawo. Pamene ogula akuyamba kusamala kwambiri ndi chilengedwe, pakufunikanso njira zoyendetsera zokhazikika komanso zokomera zachilengedwe. Makampani omwe samagwirizana ndi zokonda zosinthazi angavutike kukopa ndikusunga makasitomala.
5. Mavuto Ogwira Ntchito
Kuwongolera gulu la mabanki amagetsi omwe amagawana nawo kumaphatikizapo zovuta zogwirira ntchito, kuphatikiza kasamalidwe ka zinthu, kukonza, ndi kugawa. Makampani ayenera kuyika ndalama m'machitidwe ogwirira ntchito mwamphamvu kuti awonetsetse kuti mabanki amagetsi akupezeka mosavuta komanso kuti akugwira ntchito bwino. Kulephera kutero kungayambitse kusakhutira kwa makasitomala ndi kutaya bizinesi.
Mwayi Pamsika
Ngakhale zovuta zikuchulukirachulukira, msika wamabanki omwe amagawana nawo umaperekanso mwayi wokulirapo komanso luso. Nazi zina mwazinthu zazikulu zomwe makampani angachite bwino:
1. Kukula kukhala Misika Yatsopano
Misika yomwe ikubwera ikupereka mwayi waukulu kwa omwe amagawana nawo mabanki amagetsi. Pomwe kulowa kwa ma foni a smartphone kukuchulukirachulukira kumadera monga Southeast Asia, Africa, ndi Latin America, kufunikira kwa mayankho olipira kudzakwera. Makampani omwe amalowa bwino m'misikayi amatha kukhazikitsa maziko amphamvu ndikupindula ndi zabwino zomwe zimayambira.
2. Mgwirizano ndi Mgwirizano
Kugwirizana ndi mabizinesi omwe ali m'magawo othandizira kumatha kupanga mgwirizano ndikupititsa patsogolo ntchito zothandizira. Mwachitsanzo, mayanjano ndi malo odyera, malo odyera, ndi malo ogulitsira amatha kupereka njira zolipirira makasitomala poyendetsa magalimoto kupita kumalo awa. Kugwirizana kotereku kungayambitsenso kuyesetsa kugawana nawo malonda, kuchepetsa ndalama ndikuwonjezera mawonekedwe amtundu.
3. Zamakono Zamakono
Kuyika ndalama muukadaulo wapamwamba, monga kuyitanitsa opanda zingwe ndi mabanki amagetsi opangidwa ndi IoT, kumatha kupititsa patsogolo luso la ogwiritsa ntchito komanso magwiridwe antchito. Makampani omwe amathandizira ukadaulo kuti apereke njira zolipirira zosavuta komanso zosavuta zitha kukopa makasitomala ambiri. Kuphatikiza apo, kuphatikiza zinthu monga kutsatira nthawi yeniyeni ndi kuphatikiza pulogalamu yam'manja kumatha kupititsa patsogolo chidwi cha makasitomala komanso kukhutira.
4. Njira Zokhazikika
Pamene ogula akuchulukirachulukira kukhazikika, makampani omwe amatengera njira zokomera zachilengedwe adzakhala ndi mwayi wampikisano. Izi zingaphatikizepo kugwiritsa ntchito zinthu zobwezerezedwanso m'mabanki amagetsi, kukhazikitsa njira zolipirira mphamvu zosagwiritsa ntchito mphamvu, komanso kulimbikitsa chuma chozungulira pogwiritsa ntchito mapulogalamu obwezeretsanso. Pogwirizana ndi zomwe ogula amafuna, makampani amatha kupanga kukhulupirika kwamtundu ndikukopa makasitomala osamala zachilengedwe.
5. Mitsinje Yosiyanasiyana ya Ndalama
Kuwona njira zosiyanasiyana zopezera ndalama kungathandize makampani kuchepetsa ziwopsezo zobwera chifukwa cha kusinthasintha kwa msika. Mwachitsanzo, kupereka zithandizo zotengera kulembetsa, kutsatsa ma kiosks aku banki yamagetsi, kapena kupatsa ma data analytics kwa othandizana nawo kungapangire ndalama zowonjezera. Kusiyanasiyana kungapangitse kukhazikika kwachuma ndikuthandizira kukula kwanthawi yayitali.
Relink's Market Strategy for Shared Power Bank Viwanda mu 2025
Pomwe msika wamabanki omwe amagawana nawo ukupitilirabe, Relink yadzipereka kudziyika ngati mtsogoleri pamakampani amphamvu awa. Njira yathu ya 2025 imayang'ana pazipilala zitatu zazikulu: zatsopano, kukhazikika, ndi mgwirizano wamaluso. Pogwiritsira ntchito zipilalazi, tikufuna kuthana ndi zovuta zakukula kwa msika pamene tikugwiritsa ntchito mwayi womwe ukubwera.
Nthawi yotumiza: Dec-19-2024
