I-Digital Wallets kunye ne-crypto yinyani entsha ye-e-commerce

Kwi-e-commerce, i-wallet yedijithali ngoku iyindlela yokuhlawula eqhelekileyo. Ngokukwanjalo, i-cryptocurrency ngoku ithathwa njengesixhobo esibalulekileyo.

Zininzi iinkonzo zokusasaza endizibhaliseleyo ngoku kangangokuba andinakukwazi nokuqala ukuzibala. Inxalenye yaloo nto kungenxa "yomlutha" wam wokubukela iimuvi kunye nochungechunge. Elinye icandelo linxulumene ne-Apple Pay. 

Kulula kakhulu ukucofa nje, ukugunyazisa, kwaye apho uya khona! Akunyanzelekanga ukuba ndigcwalise zonke iinkcukacha zam zobuqu kunye nekhadi letyala kwinkqubo entsha. Ukucofa nje kube kanye kwaye i-wallet yedijithali inyamekela yonke into kum. 

Kwenzeka into efanayo kwiAmazon nakwezinye iinkqubo ze-e-commerce. Le nkqubo ilula kangangokuba ide ivelise amabali ahlekisayo, njengaxa abantwana bethenga iilekese ezilikhulu okanye imidlalo yevidiyo emitsha kwiifowuni zabazali babo kwaye bafunde ngayo emva kokuba imveliso ifikile ekhaya. 

(Ayihlekisi kangako kubazali, nangona kunjalo).  


Emuva ngoMatshi ka-2020, ingxelo ye-fintech yase-US esekwe kwiFIS yakhupha yayo I-Worldpay evela kwi-FIS 2020 Global Payments Report iqikelele ukuba iiwallet zedijithali ziya kumela isiqingatha sentengiso ye-e-commerce yehlabathi ngo-2023.

Ngenxa yokuba le ngxelo yapapashwa ngoMatshi ka-2020, sinokuthi olu qikelelo lunokwandiswa kuba sifumene ubhubhani wehlabathi, owathi wakhawulezisa kwaye wandisa imikhwa yokuthenga abathengi kwi-Intanethi.

Akuzange kube lula ukuhlawula

Kwimeko apho ungazi ukuba zeziphi izipaji zedijithali, ziinkqubo ezigcina lonke ulwazi malunga namakhadi akho okuthenga ngetyala kunye nedebhithi. Uninzi lwazo lunokufikelelwa ngee -apps kwifowuni yakho, kwaye uninzi lweewebhusayithi ze-e-commerce zikuvumela ukuba uhlawule ngazo. 

Njengemizekelo yezipaji zedijithali sinokuqaqambisa:

  • Apple Pay
  • Google Pay
  • Bitcoin Wallet
  • Samsung Pay
  • Visa Checkout
  • Kwabanye abaninzi.

Ungasebenzisa i-wallet yedijithali ukuhlawula iinkonzo kunye neemveliso

Njengoko benditshilo ngaphambili, ukuhlawula ngeewallet zedijithali kunokwenziwa ngocofa nje okumbalwa. Ukuze yenzeke loo nto, ezoapps zisebenzisa itekhnoloji yoNxibelelwano lweNdawo ekufutshane (NFC) esebenza njengomlamli phakathi kwetheminali yomthengisi kunye ne-smartphone.

Kodwa ndiyazi ukuba ngoku ubuza "kwaye yintoni i-crypto kunye ne-blockchain enokuyenza ngale nto?". 

Ungaze woyike, ndiza kucacisa ngakumbi:

Njengoko sele sisazi, i-blockchain iteknoloji apho ukuthengiselana kunokwenziwa ngendlela engenamthungo, i-cryptography, kunye nendlela ekhuselekileyo kunye ne-cryptocurrencies yenye yee-asethi ezinokuthengiswa ngolo hlobo lobuchwepheshe. 

Siyazi kwakhona ukuba i-crypto wallet "ayibambi" i-crypto yethu. Basibonisa kuphela ii-asethi zethu kwaye basinike ithuba lokuzilawula, sizitshintshe kwaye ngokuxhomekeke kwisipaji nokuba sizithengise kwaye sizithenge. 

Imarike isalungelelanisa ubunyani bokuba ne-cryptocurrency njengendlela yokuhlawula kwiimveliso kunye neenkonzo zayo. Ukusebenzisa i-wallet yedijithali kunye nekhadi le-Fiat kuseyeyona ndlela iqhelekileyo yokwenza oko. 

Nangona kunjalo, njengoko inani labasebenzisi be-crypto likhula kwihlabathi jikelele, iinkampani zibukele njengoko uhlobo olutsha lobudlelwane bezoqoqosho luqala ukuvela.  

Kwi ingxelo eyenziwe yiReuters ekupheleni kwe-2021, i-Visa yeprosesa yentlawulo yehlabathi isendleleni "yokusungula iinkonzo eziza kuvumela ukuthenga, ukuthengisa kunye nokugcinwa kwemali yedijithali ngokusebenzisa amaqabane ayo ebhanki".

I-PayPal, enye i-mogul kwiinketho zokuhlawula esele isebenza kunye ne-crypto kumhlaba osemntla-Amerika kwaye kunyaka ophelileyo wakhupha okufanayo kubasebenzisi base-United Kingdom. 

Imfuno ye-crypto kwi-e-commerce iyaqhubeka nokukhula  

Ngokuphathelele iAmazon, umthengisi omkhulu, izicwangciso zinzulu ngakumbi njengoko amahemuhemu esitsho. Inkampani ithumele umsebenzi ifuna "Intloko yeMali yeDijithali kunye neBlockchain” enokuba luphawu lomnqweno wenkampani wokungamkeli i-crypto kuphela kodwa nokuba baqalise eyabo imali. 

Ngazo zonke iintshukumo ezenziwayo nanjengoko amakhadi etyhilwa etafileni, iphantse ingabinakuphepheka ukuba i-cryptocurrency iya kuqalisa ukuba yinxalenye yamathuba e-wallet yedijithali. 


Umhlaba kufuneka uhambe ngokukhawuleza kwi-crypto 

Izipaji zedijithali - njengeebhanki zedijithali - zenze izinto zalula kubantu kwihlabathi liphela. Ngobhubhani wehlabathi, amanani aye aphakama ngakumbi. 

Uphononongo olwenziwe yi-UK-based research firm Juniper Research lubonise ukuba abasebenzisi be-2.5 yezigidigidi kwihlabathi lonke basebenzisa iinkonzo zebhanki ngedijithali emva kukaJulayi ka-2021 kwaye eli nani linokunyuka ukuya kuthi ga kwi-53% yabemi behlabathi ngo-2026.

Nangona kunjalo, into abantu abaninzi abasayiboniyo kukuba imali ye-fiat kunye neenkqubo zebhanki eziqhelekileyo nazo zinokucinywa njengoko i-digital evolution iqina. 

Njengoko imida yehlabathi ingabonakali kwaye ubunyani benyani buqala ukusirhangqa, iinkqubo zoqoqosho ziya kufuna ukuba zikhawuleze kwaye zibe phantsi kolawulo.

Ndiyathetha ukuba, asinakuba nehlabathi elibonakalayo apho kufuneka uhlawule iimali ezibizayo ukuze uthenge into kumsebenzisi okwelinye ilizwe, okanye ulindele umntu ukuba agunyazise intengiselwano. 

Kwihlabathi lenyani, yonke into ifuna ukukhawuleza, lula, kunye nokusebenza kakuhle. 

Nangona oorhulumente kunye namaziko emali asazama ukukhangela indlela yokuhamba kuloo manzi, i-cryptocurrencies kunye neteknoloji ye-blockchain sele ihamba phambili ekukhuthazeni izisombululo ezifunwa lihlabathi ledijithali.

Yiyo loo nto ezo nkampani zingakwazi kwaye zingafuni ukuhlala ngasemva. Kubonakala ngathi sele besazi ukuba i-cryptos ilapha ukuze ihlale kwaye i-blockchains ilapha ukunceda. 

Ngokusebenzisa i-cryptocurrencies kwiinketho zabo zokuhlawula, iinkampani (nokuba yeye-e-commerce okanye i-processors yentlawulo) zinokunika umsebenzisi iifizi ezimbalwa kwiintengo zehlabathi, iintengiselwano ezikhuselekileyo nezikhawulezayo, kunye nenkqubo ehambelana ngokwenene nehlabathi elitsha lenyani. 

Ayikokuba nethemba kuphela – imalunga nokuba nenyani. Ukwenza umsebenzi wenyani udinga izisombululo ezibonakalayo. Ixesha. 

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