Ngonyaka owedlule, ubhubhane lweCoronavirus lithinte yonke imikhakha yempilo yethu. Hhayi ngaphandle kwemakethe yokutshala imali. Ngakolunye uhlangothi, ukuguquguquka kwezinsimbi zezezimali kukhuphukile, umnotho usuzinzile kangako. Ngakolunye uhlangothi, abantu bachitha isikhathi esiningi futhi bafuna amakilasi amasha bona uqobo. Ngenxa yalokhu, abaningi babo - baphindaphinda amanani abahwebi, beqala ukutshala imali ekuvikelekeni ngamapulatifomu okuhweba online.
Futhi ukuncishiswa okufunwa yizinkampani ezijikelezayo ezisebenza emkhakheni wobuchwepheshe bezezimali, ukufuna nokuthola izinqumo ezintsha ezithokozisayo.
Amapulatifomu okuhweba izolo nanamuhla
Eminye iminyaka engamashumi amathathu edlule, imibuzo enjalo ayizange iveze: ukuthengiselana okuningi ngisho naphakathi kochwepheshe kwakuyizwi nje, ngocingo olujwayelekile. Lonke ubuchwepheshe sehle ukuthi burekhoda kanjani izingxoxo kumadivayisi akhethekile ane-bobins emikhulu, ukuze kungabikho muntu ongaya kumphikisi. Ngubani owaqala ukusebenza ekugqokeni ngaleso sikhathi ukhumbula ukuthi ifilimu ye-tepi ithweswe kanjani ekuseni.Isinyathelo esilandelayo ekwakhiweni kobuchwepheshe bezezimali baba amapulatifomu okuhweba nge-elekthronikhi. Emakethe yezokuphepha, imisebenzi yaqala ukwenziwa ngekhompyutha exhunywe kwinethiwekhi yokushintshana. Okulandelayo, izicelo zokuthenga nokuthengisa ezihlanganiswe efasiteleni elithile ledijithali elifanelekile amaqembu, futhi umsebenzi wawela kwi-akhawunti ye-akhawunti. Yize ekuqaleni, amakhasimende kwakudingeka anikeze ama-oda wabathengi namanje, ngocingo, kodwa aqhubekanga njalo.
Namuhla, abathengisi ababoni futhi abazwanga hhayi kuphela, kodwa futhi nalabo abasebenzisa izinsizakalo zabo. Konke ukuthengiselana kwenzeka ngokukhethekile ngefomethi yedijithali. Kulezi zinsuku, amakhasimende athole amathuba aqhathaniswa nabathengisi abaneminyaka engu-5-10. Izicelo zabo ziboniswa ngqo esizeni ngokusebenzisa amaseva e-brokerAge axhunyiwe kwiseva yokushintshana. Abasebenzisi babona izingcaphuno zangempela, okunikezwayo kokuthenga kanye nokuthengiswa, kanye namavolumu - ngqo kusuka ekushintshanisweni kwesitoko.
Amapulatifomu okuhweba esizayo
Okubaluleke kakhulu, kwenzekani - ukuhweba sekuphenduke ngentando yeningi. Amakhasimende namuhla anobubanzi babantu ababanzi kakhulu. Kuyatholakala ngempela futhi kulula ukufinyelela futhi kuqale ukusebenza.
Umuntu okwazi ukulawula ukonga kwawo, okuthola ekuthengweni kwezokuphepha ezikhundleni ezisetshenziselwa amabhange asebhange anamanani aphansi. Amanye amasu avumela abantu ukuthi baqale izinhlelo zabo eziqoqiwe ngekusasa, kuze kufike ekwakhiweni kwezinhlelo zabo zempesheni.
Futhi othile waqala ukusebenzisa ukufinyelela kokushintshana kwesitoko njengokugembula okukhethwa kukho, uhlobo lwekhasino ngaphandle kwenkohliso, ngoba kunzima kakhulu ukutholwa izingcaphuno ekushintsheni, izindlela ezinkulu kakhulu ziyadingeka, futhi akukho emthethweni.
Kepha konke lokhu - hhayi umkhawulo wamakhono amapulatifomu okuhweba. Ukuthuthukiswa kuyaqhubeka, futhi namhlanje singakwazi ukukhuluma ngokushesha ngezindlela ezintsha eziningana, ukuthuthukiswa kwe-Fintech kule ndawo.
Ukuhweba ne-Social Sphere
Kubonakala sengathi abantu bahleli abaqaphi babo, futhi wonke umuntu lapha uyazimisela ngokwawo uqobo. Kodwa-ke, ekusebenzeni, impendulo eminyakeni yamuva nje iba yinqwaba yokubuya. Ngokwesimo, kungabizwa ngokuthi ukuhlangana kokuhweba.Ngaphakathi kohlaka lwale ndlela, ekuqaleni bekungamapulatifomu ahlukaniswe ngababambiqhaza bebanga lebanga bakwazile ukuxoxa ngalokho okwenzekayo. Kepha izinkampani zabathengisi zihambe futhi ziqhubeke futhi: Banikeze amakhasimende abo ukulandelela nokuphinda amasu aphumelele kakhulu wabathengisi abanolwazi futhi abaziwayo, ngokuvuma kwabo.
Amaphayona kule ndawo kuye kwaba izinkampani ezinjenge-Etoro, ama-Tipranks, Zulurrade. Bathole udumo ngezinketho ezingezwe kumapulatifomu okuhweba ukuphetha okwenziwayo kusetshenziswa "ingqondo ngokuhlanganyela", ukuthengiselana kwesibuko noma ukukopisha okuqondile kwemisebenzi yomunye umuntu emakethe yamasheya.
Amarobhothi okuhweba
Isihloko sesibili esithandwayo sokuqamba kwezezimali ukudala amarobhothi okuhweba. Kunentuthuko ngokususelwa ekuhlaziyweni kwezibalo kwesikhathi esedlule. Kanye nobuchwepheshe ukudala ubuhlakani bokufakelwa, amasistimu wokuzifunda.
Kulesi sigaba sodumo olukhulu kunawo wonke, abathuthukisi abanjalo bathola abathuthukisi njengenkampani eqhakaza, abaqeqeshelwa ekuphathweni kwephothifoliyo abalondolozekayo kanye nokuhlelwa kwentela noma "kudlula", "kudlula", okusekelwe olwazini lwanamuhla Inkambu yezomnotho ukuthola inzuzo ephezulu nge-Calculatorus ye-OULTERNATION efanayo yentela.
Isilinganiso sokutshala imali kumapulatifomu okuhweba
Namuhla, amabhange omhlaba wonke wokutshala imali njengoba i-JP Morgan noma i-Goldman SAVE kubhekwa njengabaholi ekutshalweni kwezimali kule ndawo njenge-JP Morgan noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman noma i-Goldman.
Phakathi kwamadili wakamuva kuleli ngxenye kungabizwa ngokuthi ukuthengwa kwenkampani ye-Goldman Sache United Capital, elawula izimpahla ohlelweni lwayo olungaphezulu kwama- $ 18 billion. Igama lingaphezu kwepulatifomu ephumelelayo esetshenziselwa ukuhweba - FinLife CX.
Futhi amapulatifomu okuhweba athandwa kakhulu namuhla abhekwa njengowokotowa - omunye omncane, i-TD Ameritrade yimali enkulu kunazo zonke, enezikweletu eziyizigidi eziyi-11.5 ezibiza ngaphezu kwezigidi eziyi-1.32 trillion amadola emakethe yamazwe omhlaba. I-Forex.
Kepha okukufanele ngempela ukunaka abatshalizimali baseRussia ukuthi kuhlale kungenzeki kuphela ukwenza ukubheja kwakho kwi-green equ. Ukutshalwa kwezimali eFintech yithuba lokungena enhlokodolobha yeKhasino uqobo, ukutshala imali ekubhaleni ekuqaleni emkhakheni wezimali.