Ndi malingaliro ake pazinthu zazikulu zomwe zidzatsimikizidwe ndi mawonekedwe adziko lapansi ndalama ndi chipilala, maxim Savineev adagawana ndi ntchito yopanga zamalonda komanso Mayendedwe ogulitsa ndalama. Omaliza maphunziro a sayansi ya ku Moscow ndi ukadaulo wa ukadaulo wa masamu, tsopano Maxam Savelphiev amagwira ntchito ku Philadelphia (USA) Kupanga Pangano la Mapulogalamu ndi Kutsatira Zofunika Kwambiri. Zisankho muzodzilowetsa zowerengera ndalama. M'mbuyomu, Maxim anali ndi udindo wopanga malonda a makasitomala ofuna makasitomala akuluakulu, kuphatikizapo kukula kwa bizinesi, kuwongolera ndi kasamalidwe ka magulu ogwiritsira ntchito mtanda ku Sberbank Cib (Moscow, Russia) . Monga wogwira ntchito ku dipatimenti yofunsira deloitte cis (Moscow, Russia), adazindikira kuzindikiridwa kwa mapulani angapo a bizinesi yabizinesi yayikulu ku East Europe.
- Kodi zikuchitika bwanji lero kuti "pa kusintha kwapakati" ndi gawo lazachuma? Ndi zinthu zatsopano ziti zomwe zimayambitsidwa? Kodi Mumachita Zochita Zamalonda Zotani Masiku Ano Pafupifupi Mafashoni?
- Maukadaulo a digito amasintha mawonekedwe a mafakitale onse, kukakamiza mabizinesi kuti agwire ntchito mwatsopano. Gawo lazachuma ndiloposa zina, limatsegulidwa kwa kuyambitsa kwatsopano. Unali poyera osakhala zinthu zabwino osati kuwonjezera mabungwe azachuma, komanso kuyambiranso makampani atsopano a matekinoloje (zojambulajambula). Kuti mupikisane bwino pamundawu, makampani amangofunika kukulitsa ndi kugwiritsa ntchito ukadaulo wapamwamba.
Panali nthawi zina pamene mu gawo lazachuma "mpira unalamulira mabanki akuluakulu. Zimakhala zovuta kuti apikisane ndi oimira "m'badwo wa Fintech", wongoganizira za kupereka ndalama ndi ntchito zawo.
Masiku ano, ngakhale kampani yaying'ono yomwe ingathe kupereka makasitomala njira zatsopano zogwirira ntchito zachuma ndi zolipira, komanso kupereka mwayi kuti mulingalire zochitika zachuma, pokana ma menterdies.
Komabe, ngakhale makampani amoyo amakampani amapita kukakhumudwitsa gawo lazachuma, chifukwa china chake, iwo ndi ena amayamba kuchita masewera olimbitsa thupi. Chifukwa cha mgwirizano ndi makampani atsopano, mabanki ogulitsa amatha kukweza njira zamabizinesi. Kufuna kwa mapulogalamu othetsa mapulogalamu posonkhanitsa ndi kafukufuku akukula kukukula. Mwachitsanzo, gwero la scrub limapereka nsanja yokonza kuphatikiza ndi kupezekanso. Njira yothetsera vutoli imakupatsani mwayi woti mutole ndi kusanthula deta ya makampani, mamembala amtundu wa M & A-Sravection. Chifukwa cha ntchito yake, mabanki ogulitsa amatha kupeza ogula mwachangu.
Kugwirizana koteroko ndi kothandiza komanso oimira zigawo za zigawo zomwe angagwiritse ntchito ndi deta yayikulu zopezeka ndi mabungwe azachuma kuti azichita bizinesi yawo. Zotsatira za mgwirizano wotere, zimamera zam'manja za bank ngati ntchito (banki-ndi-ntchito), kuloleza osewera kuti alumikizane ndi app ku API ndikupanga ndalama zawo zachuma. Kugwiritsa ntchito kodalirika komanso koyenera ku zofunikira zonse za zomangamanga za bankiyo kumathetsa makampani atsopano chifukwa chofuna kulandira chilolezo chobweza banki ndikugonjetsa zikhalidwe zina. Kuyambitsa nsanja ngati izi kumapindulitsa m'mphepete, kuyambira pamenepa makampani a filimuyi amakhala ngati makasitomala, osati opikisana nawo.
Koma zofunidwa kwambiri - mateloloji atatha kugwiritsa ntchito ndalama komanso gawo lazachuma, pakhoza kukhala lubisali komanso lukhul (ai). Kwa mabungwe azachuma padziko lonse lapansi, mawu oyambira blockcha wakhala otchuka. Ma telonologies awa siayenereradi kuti athetse ndalama zogulitsa (chifukwa chosiyidwa ndi ma inshuwaransi) ndikuwonetsetsa kuti chitetezo chazachuma (chifukwa cha kuwonekera kwa zochitika zonse mu unyolo wamtundu). Mfundo yachiwiri ndiyothandiza kwambiri, chifukwa magawo azachuma nthawi zonse amakhala "owonekera" mwa omvera. Koma ngati liwiro la kukhazikitsidwa kwa blockchain pang'onopang'ono likuchepa, kugwiritsa ntchito matekinoloji kulibe.
Kugwiritsitsa ntchito zachuma kwambiri, mabungwe azachuma amasunga ku AI, ngakhale kuti ndi chipika cha teria. Malangizo akuluakulu omwe anzeru anzeru amakhala ponseponse kwambiri ndi ntchito yamakasitomala ndikulimbana ndi chinyengo. Ma bots a Chat ali kale kuthana ndi zopempha zambiri zamakasitomala, ndipo Ia algorithms amatha kuzindikira zochitika zachinyengo ndikudziwitsa makasitomala za iwo. Njira yothetsera ntchito ziwirizi zimapangitsa kuti ndalama zizisungidwa ndalama.
Ndinena kuti zomwe zalembedwazo ndizofunikira pazachuma padziko lonse komanso ku Russia komanso magawo azachuma.
- Kodi chimachitika ndi chiyani m'munda wa B2B m'gawo lazachuma padziko lonse lapansi?
- mliri ndipo chifukwa cha iye wotsekedwa m'mawu ambiri otsimikiza zochitika mgawo la Corporate. Wamkuluyo akuphatikiza: Kuthamangitsa kugulitsa malonda mu "Chithunzi" chowonjezera mwayi wodzipereka, kusintha kuchokera kumisonkhano yampingo ndi kulumikizana pafoni ndi kulumikizana kwa pa intaneti. Nthawi yomweyo, makampani ambiri amakhulupirira kuti kusintha kwakukulu komwe kwapangitsa kuti "zenizeni" zizipitilira mtsogolo. Ngati ogulitsa ogulitsa pa intaneti ndi kasitomala adayambitsa kukayikira, tsopano ambiri amazindikira kukhala kwake. Ndiona kukonzekera kwa kugula kwakukulu kwa gawo la B2B.
- Kodi ndizotheka kunena kuti gawo la B2B likuyenda mbali yomweyo momwe gawo la B2C linayamba kumera patsogolo pake?
- Inde, pang'onopang'ono b2b zokhala ndi B2C: Anthu akuyembekezera kuti m'mbali zonse zamabizinesi ndi tsiku ndi tsiku azikhala ndi zofananira. Pankhaniyi, zimachitika makamaka pa zochitika za intaneti. Musaiwale za ntchito yowonjezereka ya Millenialov. Omwe adagwiritsa ntchito kugula pa Amazon kapena Aliexpress kuyambira ali mwana, amasankha mtundu woterewu komanso bizinesi. Kusamutsa mapindu a B2C ku gawo la Corpor Cormmate, ogulitsa ayenera kupereka makasitomala omwe ali ndi mwayi wosaka, kuwunika komanso kufananitsa katundu ndi ntchito. Kubwezera komwe kumakhazikitsidwa kwa maluso aluso ndipo amakumbukira za ogwiritsa ntchito enieni kungafunike pano. Kukhazikitsa kwa njira yogulitsa mtanda kumakupatsani mwayi wowonjezera cheke. Palibe chofunikira kwambiri kwa ogula amakono ndi kuthekera kokwanira kwambiri pazogulitsa kapena ntchito momasuka, komanso kuwona m'maganizo (ngati zingatheke).
Mafelemu a kusinthika kwa digito- Ndani amagwira ntchito yofunika kwambiri pakusintha kwa makampani kwa makampani? Kutengera zomwe mwakumana nazo, kodi gulu lazachuma limakhala ndi ofunikira komanso luso kapena moyenera kukopa akatswiri akunja akunja? Kodi pali "osankhika apadziko lonse lapansi a akatswiri osinthana?
- Monga lamulo, mabungwe amasandulika ma digito pawokha, pamene akumvetsetsa momwe njira zamkati zamabizinesi zimakonzedwa, zomwe zilipo zimayenera kusinthidwa ndi ma digital, omwe pali mwayi kwa izi, kuphatikizapo ndalama za izi, kuphatikizapo ndalama.
Koma chidwi chofuna kusintha chitha kuchokera panja, makamaka pagawo la makampani monga McKinsey, gulu la Boston, Deloitte, Ornst & Achinyamata ndi Oseketsa. Ndiwo omwe amatha kuwerengedwa kwa osankhika m'munda wa kusintha kwa digito. Kupenda mabungwe apadziko lonse lapansi ndi opambana kuposa wosewera aliyense. Kuphatikiza apo, akumana ndi kukhazikitsa ntchito zochulukirapo padziko lonse lapansi komanso kuthekera kolumikizana ndi malamulo ochokera kumadera ena ngati palibe akatswiri okwanira muofesi ya Moscow. Kukopa alangizi akunja akutseguka mwayi wapadziko lonse lapansi. Nthawi yomweyo, ndikukhulupirira kuti akatswiri akunja akunja atha kuthandiza njira ya digito ya kukhazikitsa komwe bizinesi idzayanjana payokha. Njira imeneyi ndi yothandiza kwambiri komanso yofunika kwambiri.
- Munakhala bwanji katswiri pokonza bizinesi ndi kusintha kwa digito?
- Kwa zaka zopitilira zinayi, ndinali mlangizi wa Deloitte pa njirayi ndi kugwiritsa ntchito bwino mabungwe azachuma, kuphatikizapo mabanki ndi mabanki. Munthawi imeneyi ndidatenga nawo mbali m'mabungwe amtundu wachilendo komanso waku Russia. Izi zidapangitsa kuti mukhale ndi chidziwitso komanso kumvetsetsa mozama momwe dongosolo la Banking ku Russia ndi dziko lonse lonse, chifukwa njira zamabizinesi zachuma zimamangidwa. Kenako ndinkagwira ntchito yogawana malo a Sberbank, komwe adapeza mwayi wokulitsa chidziwitso chake, komanso adawona momwe zosankha zambiri zimapangidwira.
- Ndi iti mwazomwe adakumana nayo ku Russia tsopano ndi mwayi wanu wopikisana ku USA?
- Akafuna ntchito ku States, mwayi wanga wachifumu wakhala ukukumana ndi kampani yokumana nayo yapadziko lonse. Olemba ntchito ochokera kulikonse padziko lapansi ndi zoonekeratu kuti wogwira ntchito ndi wazachipatalayu amatembenuka mosavuta. Ubwino wachiwiri ndimaona maphunziro. Moscow Institute of Fibics ndi ukadaulo, zomwe ndinamaliza maphunziro, zimakhala ndi mbiri ngati kuvomerezeka kwapadziko lonse lapansi. Mwambiri, zomwe ndinapeza panthawi yosamukira ku United States idamveka.
Nthawi yomweyo, ndikufuna kudziwa kuti ntchito yomwe banki ya ku Russia idandilola kuyang'ana zovuta zachuma padziko lonse lapansi. Komanso ndekha, ndinazindikira kuti makampani a makampani aku Russia ndi abwino kwambiri ndipo amakhala patsogolo pa zochitika zamsika waku America.
- Ndi malingaliro ati ndi maluso omwe amafunikira kuti asinthe mabungwe azachuma? Kodi ndi akatswiri otani omwe akuyenera kuyang'ana mabanki aku Russia ndi ndalama zogulitsa? Ndi kuti muwapeze?
- Kusintha kwa mabungwe azachuma kungatithandizenso kugwira ntchito, yomwe imatsimikizira antchito onse omwe ali ndi masinthidwe a digito. Ayenera kulinganiza chofufuzira, kukhazikitsa kulankhulana pakati pa zida zonse zomwe zimakhudzidwa. Ayeneranso kumvetsetsa mbali zaukadaulo za ntchitoyi pamlingo womwewo. Koma chinthu chofunikira kwambiri ndikutha kuwona chithunzichi chonse, osalipira yankho la ntchito zamakono. Malingaliro anga, antchito okangana, oyang'anira polojekiti ali oyenera udindo kwa akatswiri oterewa. Ndiye kuti, omwe ali ndi luso popanga ndi kugwiritsa ntchito njirayi, komanso amakhala ndi msika wosiyanasiyana komanso wodziwa zambiri za msika. Mutha kusaka akatswiri oterewa pakati pa owerenga mayunivesite apamwamba aukadaulo.
Russia ndi USA: Pafupifupi pafupi kwambiri- Kodi akatswiri azachipatala aku Russia angachititse chidwi ku United States, kukhala ndi luntha latsopano ku ma makampani azachuma ku Russia? Kodi kutsidya lawo kumatha kukhala kothandiza kwambiri?
- Ubwino waukulu wa akatswiri oterewa ndi zomwe zachitika pogwira ntchito padziko lonse lapansi. Makampani ambiri aku America ambiri amangoyambitsa msika wapabanja, pomwe bizinesi yanyumba imayamba kugwa ku Russia, momwemonso, kupita kumayiko a CIS. Masomphenya apadziko lonse lapansi amawonetsa kasamalidwe ka njira zatsopano, amapereka mwayi ku misika yatsopano ndi kufooka kwa mankhwala. Kuchokera pakuwona magwiridwe antchito ndi anthu ku United States amagwirizana kwambiri ndi mgwirizano wamakampani, komwe pamapeto pake kumawonjezera ntchito yogwira ntchito. Ngati mungayang'ane gawo lachuma, United States limachita ngati woyang'anira wapadziko lonse lapansi, pazolinga zomwe maiko ena amasinthidwa. Kudziwa momwe njira za ku American Finaldordor dongosolo ndizothandiza.
- Kodi makampani azachuma aku Russia ochokera kumadzulo kwa munda wa kusintha kwa digito?
- Pakupezeka ndi kugawa kwa zinthu za digito, Russia ndipamwamba kwambiri kuposa United States. Izi zikuwonekera kwambiri mu gawo la banking, zogulitsa ndi zolipira. Mwachitsanzo, m'maiko a Intraank amakhoza kutenga masiku angapo. Kulipira kopanda mgwirizano sikunalandire kugawa kwakukulu. M'masitolo ambiri sizotheka kulipira kudzera mu Googlepay ndi SyppyPay. New York Metropolitan zaka zingapo zapitazo, adayamba kusinthaku kuti abweze zopitilira; Adathamanga njirayi kokha ndi chiyambi cha mliri.
Nyengo yayikulu yamakampani aku Russia yochokera ku America imawonedwa pachilichonse chomwe chimalumikizidwa ndi ntchito yomanga kasitomala. Ngakhale ndizosatheka kunena kuti izi zikugwirizana mwachindunji ndi kusintha kwa digito. Koma nthawi zina zimakhala zotheka kuthetsa funso lililonse kapena kuletsa kulipira kokayikitsa kwa telefoni ndikofunikira kwambiri kuposa kupezeka ndi kupezeka kwa mafoni.
Pali ntchito yotere - woyang'anira malonda- Kodi pali kusiyana kotani pantchito ya kasamalidwe kazinthu ku USA ndi Russia?
- Ndikofunika kudziwa chikhalidwe ndi kusiyana pakuyandikira pakupanga kulumikizana. Ku Russia, anthu ambiri osavomerezeka omwe amakhala osavuta kupeza chilankhulo chimodzi. Zimakhala zovuta kwa izi m'mayiko, chifukwa gulu limatha kukhala padziko lonse lapansi ndipo limaphatikizaponso anthu omwe ali ndi hucshurd wosiyana kwambiri. Uwu ukhoza kukhala kuphatikiza kuchokera pakuwona malingaliro ndi kusinthana kwa zokumana nazo, koma zovuta kumamanga kulumikizana kwamkati. Mwambiri, mfundo yayikulu yomanga gulu ndi kulumikizana kwaukadaulo ndi njira, izi zitha kukhala zochepa chabe, koma mamembala onse amamasuka.
- Kodi manejala amasintha bwanji masiku ano?
- Mtengo wa akatswiri oterowo amawonjezeka chifukwa chakuti zochitika zomwe zilipo zikusintha mofulumira: mabatani a woyang'anira masitepe abodza ali ndi udindo wowagwirira ntchito. Khalidwe la utsogoleri ndi kulowerera m'maganizo limachokera. Poona kuti masiku ano magulu ambiri amagwira ntchito mosiyanasiyana, ntchito ya manejala ndiyo kukhalabe yolimbikitsira, cholinga chake ndi kuchuluka kwa ntchito zonse. Zimapangitsa kuti zikhale zovuta kwambiri.
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