Kwiminyaka yakutshanje, njengoko ukuxhomekeka kwabantu kwizixhobo eziphathwayo kunyukile, imfuno yehlabathi yeebhanki zamandla ekwabelwana ngayo iye yanda. Njengoko abantu bethembela ngakumbi kwii-smartphones kunye neetafile zonxibelelwano, ukukhangela kunye nokuzonwabisa, imfuno yezisombululo zokutshaja eziphathwayo sele ibaluleke kakhulu. Eli nqaku linika uhlalutyo olunzulu lwemfuno yemarike yeebhanki zamandla okwabelwana ngazo kumazwe ahlukeneyo, kugxininise kwiiyantlukwano zokuziphatha kwabathengi kunye nezinto ezikhethwayo.

IiNdlela zeMarike yeHlabathi

Ngokusasazwa kwezixhobo eziphathwayo, imakethi yebhanki yamandla ekwabelwana ngayo iye yavela ngokukhawuleza kwaye yaba yinxalenye ebalulekileyo ye-ecosystem yeshishini lehlabathi. Nangona kunjalo, imfuno yeemarike kumazwe ahlukeneyo ibonisa ukungafani okuphawulekayo, okuphenjelelwa kakhulu yimikhwa yokusetyenziswa, iziseko zophuhliso, iindlela zokuhlawula kunye nokungena kweteknoloji.

I-Asiya: Imfuno enamandla kunye nemarike evuthiweyo

Amazwe aseAsia, ngakumbi iChina, iJapan kunye neSouth Korea, anemfuno eqinileyo yeebhanki zamandla ekwabelwana ngazo. Ukuthatha iChina njengomzekelo, iibhanki zamandla ekwabelwana ngazo ziye zaba yinxalenye yobomi basezidolophini. Isiseko esikhulu sabemi kunye nophuhliso lweenkqubo zokuhlawula ezihambayo (ezifana ne-WeChat Pay kunye ne-Alipay) zikhuthaze ukuphuhliswa kwale marike. EJapan naseSouth Korea, ukuhlala kwabantu ezidolophini kugxininiswe kakhulu kunye nokuxhaphaka kwezithuthi zikawonke wonke nako kuqhubele phambili ukusetyenziswa okuxhaphakileyo kweenkonzo zokutshaja ekwabelwana ngazo. Sele ibe ngumkhwa oqhelekileyo kubathengi ukuqesha iibhanki zamandla kudederhu lweevenkile, kwiindawo zokutyela, kwizikhululo zikaloliwe ezingaphantsi komhlaba nakwezinye iindawo.

UMntla Melika: Ukwamkeleka okwandisiweyo kunye namandla amakhulu okukhula

Xa kuthelekiswa neAsia, imfuno yeebhanki zamandla ekwabelwana ngazo kwimarike yaseMntla Melika ikhula ngesantya esiphantsi, kodwa amandla amakhulu. Abathengi baseMelika nabaseKhanada bahlawula ingqwalasela engakumbi kuncedo kunye nokuthembeka kweemveliso. Ngelixa imodeli yoqoqosho lokwabelana yamkelwe ngokubanzi (efana ne-Uber kunye ne-Airbnb), ukuthandwa kweebhanki zamandla ekwabelwana ngazo kuphantsi. Oku kungenxa yokuba isantya sobomi kuMntla Merika sikhululekile kwaye abantu banomkhuba oqinileyo wokuza nezixhobo zabo zokutshaja. Nangona kunjalo, ngokuthandwa kweenethiwekhi ze-5G kunye nokunyuka kokusetyenziswa kwamandla kwezixhobo eziphathekayo, imfuno yemarike yeebhanki zamandla okwabelwana ngayo ikhula ngokukhawuleza, ngokukodwa kwiindawo ezifana neenqwelo-moya, amaziko endibano kunye nemiboniso, kunye neendawo ezikhangayo.

IYurophu: Indibaniselwano yamandla aluhlaza kunye nemiboniso yoluntu

Abathengi baseYurophu bakhathazeke kakhulu malunga nokukhuselwa kwendalo kunye nophuhliso oluzinzileyo, ngoko ke iinkampani zebhanki zamandla ekwabelwana ngazo kufuneka zigxininise ukusetyenziswa kwamandla aluhlaza kunye noyilo olunokuphinda lusetyenziswe. Imfuno yeebhanki zamandla ekwabelwana ngayo kumazwe aseYurophu igxile kakhulu kumazwe anamanqanaba aphezulu okufudukela kwabantu ezidolophini, anjengeJamani, iUnited Kingdom neFrance. Kula mazwe, iibhanki zamandla ekwabelwana ngazo zihlala zidityaniswa kwiinkqubo zothutho lukawonke-wonke, iikhefi, kunye neevenkile zeencwadi. Ngenxa yenkqubo yentlawulo yekhadi letyala yaseYurophu ephuhliswe kakuhle kunye nezinga eliphezulu lokusetyenziswa kwe-NFC, ukulungeleka kokurenta iibhanki zamandla ekwabelwana ngazo kuqinisekisiwe.

KuMbindi Mpuma kunye ne-Afrika: iiMarike ezisaQongayo ezinamathuba aNgasetyenziswayo

Imfuno yeebhanki zamandla ekwabelwana ngazo kuMbindi Mpuma kunye neemarike zaseAfrika zivela ngokuthe ngcembe. Njengoko amazinga okungena kwi-Intanethi ephathwayo kule mimandla esanda ngokukhawuleza, ukuxhomekeka kwabathengi kubomi bebhetri yeselula nako kuyanda. UMbindi Mpuma unoshishino lwezokhenketho oluphuhlileyo, olubonelela ngenkxaso eqinile kwimfuno yeebhanki zamandla ekwabelwana ngawo, ngakumbi kwiindawo ezifana nezikhululo zeenqwelo moya kunye neehotele eziphezulu. Imarike yaseAfrika ijongene nemingeni ngenxa yokungonelanga kolwakhiwo lweziseko ezingundoqo, kodwa ikwabonelela ngeenkampani ezihlawulisa ekwabelwana ngazo ngamathuba asezantsi okungena.

 

EMzantsi Merika: Imfuno iqhutywa lukhenketho

Imfuno yeebhanki zamandla ekwabelwana ngazo kwimarike yaseMzantsi Melika igxile ikakhulu kumazwe anamashishini okhenketho aphuhlileyo anjengeBrazil neArgentina. Ukwanda kwabakhenkethi bamazwe ngamazwe kubangele umdla wabakhenkethi kunye neendawo zezothutho ukuba zikhawulezise ukuthunyelwa kwezixhobo zokutshaja ekwabelwana ngazo. Nangona kunjalo, ukwamkelwa kweemarike zengingqi yeentlawulo zeselula kuphantsi, okuye kwadala imiqobo ethile ekukhuthazeni iibhanki zamandla okwabelwana ngazo. Le meko kulindeleke ukuba iphucuke njengoko ukungena kwe-smartphone kunye netekhnoloji yokuhlawula nge-elektroniki isonyuka.

Isishwankathelo: Ukuziqhelanisa neemeko zendawo kunye nezicwangciso ezihlukeneyo zingundoqo

Imfuno yemalike yebhanki yamandla ekwabelwana ngayo yehlabathi iyahluka ukusuka kummandla ukuya kummandla, kwaye ilizwe ngalinye kunye nommandla uneempawu zawo ezizodwa zemarike. Xa ukwandisa kwiimarike zamazwe ngamazwe, iinkampani zebhanki zamandla ekwabelwana ngazo kufuneka zilungelelanise iimeko zasekhaya kwaye ziphuhlise amaqhinga ahlukeneyo. Ngokomzekelo, e-Asiya, ukuhlanganiswa kweenkqubo zokuhlawula kunye nokugubungela iimeko ze-high-frequency scenarios kunokuqiniswa, ngelixa eMntla Melika naseYurophu, kugxininiswa ekukhuthazeni iteknoloji eluhlaza kunye neenkonzo ezifanelekileyo. Ngokuqonda ngokuchanekileyo iimfuno zabathengi kumazwe ahlukeneyo, iinkampani zinokuthatha ngcono amathuba ophuhliso lwehlabathi kwaye zikhuthaze ukukhula okuqhubekayo kweshishini lebhanki lamandla ekwabelwana ngalo.

Ukuqukumbela: iFuture Outlook

Njengoko imfuno yeebhanki zamandla ekwabelwana ngayo iqhubeka nokuvela, iinkampani ezifana ne-Relink kufuneka zihlale zisebenza kwaye ziphendule kutshintsho lwemarike. Ngokuhlalutya iiyantlukwano kwimfuno yeemarike kumazwe ahlukeneyo, banokuphuhlisa izicwangciso ezijoliswe kuzo ezihambelana nabathengi basekhaya. Ikamva loshishino lwebhanki yamandla ekwabelwana ngalo libonakala lithembisa, ngamathuba okukhula kwiimarike ezisele zisekiwe kunye nezikhulayo. Ngokugxininisa kwizinto ezintsha, ukuqonda kwenkcubeko, kunye nokwahlulahlula okukhuphisanayo, i-Relink ibekwe kakuhle ukukhokela intlawulo kweli candelo eliguquguqukayo, libonelela ngezisombululo zokutshaja ezifanelekileyo nezithembekileyo kubasebenzisi kwihlabathi liphela.