Kulimbikitsana kosangalatsa pakukonzanso momwe anthu amagwirira ntchito, kusamutsa ndi kuyika ndalama muzachuma cha digito kwaperekedwa ndi mgwirizano wapakati pakati pa mafoni a m'manja ndi cryptocurrency. Ndi kupita patsogolo kwachangu muukadaulo wam'manja komanso kuvomerezedwa kochulukirachulukira munkhani ya cryptocurrency, magulu awiri omwe akubwerawa akusintha momwe ndalama zimachitikira.
Kuphatikizika kwa Ma Smartphones ndi Cryptocurrency
Mafoni a m'manja asanduka chida chosatsutsika masiku ano okhala ndi ogwiritsa ntchito oposa 6.8 biliyoni padziko lonse lapansi pofika chaka cha 2024. Ukadaulo wam'manja wagwiritsidwa ntchito pakukwera kwa ndalama za digito. Ndi kukula kwa decentralized ndalama ndi digito wallets, cryptocurrency kugula, kugulitsa ndi kusungirako zasinthidwa kukhala zida za anthu ndipo zilipo mosavuta kuposa kale. Chofunika koposa, kuphatikiza uku kumabweretsa zinthu zambiri zomwe zimatsogolera ku mgwirizano wambiri ndi njira zama digito.
Makamaka m'mayiko omwe ali ndi mabanki osadalirika, kupezeka kwa ndalama za crypto kudzera pa mafoni a m'manja ndikofunika kwambiri. M'mayiko omwe ali ndi zida zandalama zachisawawa - monga Nigeria ndi Venezuela - zikwama zam'manja za crypto zikugwira ntchito kuteteza ndalama za anthu ku inflation ndi kutsika kwa ndalama, mokulira. Ntchito za Crypto kudzera pazida zam'manja, malinga ndi deta yawo, zakula masiku ano pafupifupi 200% - kutchula Chainalysis mu 2024.
Momwe Mafoni Amafoni Akukhalira Crypto Wallet
Mwina chimodzi mwazinthu zochititsa chidwi kwambiri pazachuma cham'manja chikugwirizana ndi chitukuko cha ma cryptocurrency wallet pama foni a m'manja. Ma wallet a digito amalola ogwiritsa ntchito kusunga, kutumiza ndi kulandira ma cryptocurrencies osiyanasiyana mwachindunji kuchokera pazida zawo zam'manja. Mosiyana ndi zikwama zachikhalidwe - sizili choncho ndikugwiritsa ntchito ndalama kapena makhadi - ma wallet a crypto amapereka kubisa kwapamwamba kuti ateteze katundu wa digito wa ogwiritsa ntchito. Amabweretsa zinthu zambiri zomwe zimachokera kuzinthu zoyambira kupita kuzinthu zamakono zamalonda.
Mapulogalamu monga Coinbase, Binance ndi Trust Wallet apangidwa kuti athandize ogwiritsa ntchito kusamalira katundu wawo wa digito popita. Sakhala ndi chimodzi kapena ziwiri koma kuchuluka kwa ndalama za crypto - kupereka mawonekedwe osavuta kuti azitha kuyang'anira masikelo angapo, kusamutsidwa ndikuwunika mbiri yamalonda. Amasunganso ogwiritsa ntchito ndikusintha kwamitengo monga Ethereum Mtengo wosinthitsira. Monga chikwama cha crypto chimayikidwa pa foni yamakono, zotchinga zambiri zolowera zimachepetsedwa kwa ogwiritsa ntchito atsopano, kulimbikitsa zochitika za tsiku ndi tsiku ndi ndalama zadijito.
Udindo wa Ma Code QR mu Mobile Crypto Transactions
Makhodi a QR amapezeka m'malo aliwonse am'manja a crypto transactions - mwachangu komanso motetezeka, potumiza kapena kulandira ndalama za digito. Tsopano, zizindikirozi zimachepetsa ntchito yolowetsa maadiresi ambiri a chikwama, omwe nthawi zambiri amaphatikizidwa pazochitika zonse, potero amapulumutsa zolakwika ndi nthawi pomaliza ntchitoyo.
Khodi ya QR imagwiritsidwa ntchito kwambiri ikafika pakukhazikitsa zochita za anzawo (P2P) komanso kulipira kugulitsa. M'malo mwake, m'maiko monga Japan ndi South Korea, kudzera pamakhodi a QR, kutsitsanso ndikukhazikitsa miyezo yolipira m'masitolo ogulitsa. Zotsatira za kafukufukuyu ziwonetsa kuti, pa imodzi, kutengera kafukufuku wa Statista 2024, 40% ya crypto Ogwiritsa ntchito akuti tsopano akugwiritsa ntchito manambala a QR ku Asia poyerekeza ndi 25% pomwe kafukufuku wofananawo adachitika mu 2022.
Kupatula kusavuta, manambala a QR amatanthauzanso chitetezo chowonjezereka pazogulitsa. Ndi kugwiritsa ntchito mwamphamvu ma code a QR, omwe amasinthidwa ndikugulitsa kulikonse, ogwiritsa ntchito amachepetsa mwayi wachinyengo komanso mwayi wopeza ndalama zawo mosaloledwa. Izi tsopano zimabwera ndi ma wallet ambiri am'manja a crypto, zomwe zikuwonetsa zomwe zikuchitika mumakampaniwa kutsimikizira chitetezo.
Zolinga Zachitetezo: Kuteteza Crypto Yanu pa Mafoni Amakono
Ngakhale mafoni a m'manja amapereka njira yothandiza kwambiri yoyendetsera ndalama za crypto, amabweretsanso zovuta zachitetezo. Chifukwa chuma cha digito ndichokwera mtengo, mafoni a m'manja amasanduka chandamale chachikulu cha obera. Malinga ndi lipoti la cybersecurity firm Kaspersky, mu 2024 chabe, panali milandu yoposa 10,000 yomwe inanena zakuba mafoni a crypto.
Kutetezedwa kwa cryptocurrencies kwa ogwiritsa ntchito kumafuna kugwiritsa ntchito njira zingapo zotetezera. Chofunika ndikuyambitsa kutsimikizika kwazinthu ziwiri (2FA). Mapulogalamu ambiri a crypto m'manja amaphatikizapo chitetezo ichi, chomwe, mwa zina, chimafuna kuti ogwiritsa ntchito atsimikizire kuti ndi ndani kudzera mu njira yowonjezera, monga meseji kapena pulogalamu yotsimikizira.
Muyeso wina wofunikira kwambiri womwe opanga ndi opanga ndi chikwama cha hardware, chomwe chimasunga makiyi achinsinsi osapezeka pa intaneti m'matumba a Hardware omwe sangawonongeke ndi intaneti. Ngakhale izi zitha kumveka ngati zachipongwe kwa ogwiritsa ntchito mafoni, ma wallet ambiri tsopano amapangidwa ndi mawonekedwe osavuta kugwiritsa ntchito mafoni kuti ogwiritsa ntchito athe kuyang'anira katundu wawo motetezeka kudzera pa mafoni awo.
Ndikwabwinonso kusinthira mapulogalamu pafupipafupi ndikusamala zachinyengo. Popeza mulingo wachinyengo womwe umabwera ndi kulunjika pazida zam'manja ndiwotsogola kwambiri, kusamala kwambiri kuyenera kuchitidwa ndi ogwiritsa ntchito malinga ndi maulalo omwe akudina ndi zomwe atha kuwulula. Chiwopsezo china chogwiritsa ntchito mapulogalamu ochokera m'masitolo osavomerezeka ndi mwayi wotsitsa mapulogalamu oyipa.
Tsogolo la Mobile Finance: Emerging Trends and Technologies
Pamene 2024 ikupitilira, pali zochitika zingapo zomwe zikubwera komanso umisiri zomwe ena amalingalira zitha kukhudza tsogolo lazachuma chamafoni. Izi zitha kuzindikira kukwera kwa CBDCs ndi Central Bank Digital Currencies. M'mayiko monga China ndi European Union, ndalama za digito zothandizidwa ndi boma zidzafikiridwa kudzera pa mafoni a m'manja ndikusintha momwe anthu amagwiritsira ntchito ndalama zawo. Zimaphatikiza zabwino zandalama zachikhalidwe ndi kusavuta kwazinthu za digito. Kuphatikiza apo, nzeru zopangira zidawonjezedwa pamapulogalamu azachuma amafoni. Zomwe ogwiritsa ntchito amakumana nazo zimakulitsidwa kwambiri ndi zida za AI zopatsa upangiri wandalama payekha, kupewa zachinyengo komanso kukhathamiritsa njira zamalonda, pakati pazinthu zina zambiri.
M'malo mwake, mapulogalamu ena a AI omwe amagwiritsa ntchito ndi Wealthfront ndi Betterment robo-maupangiri omwe amathandiza ogwiritsa ntchito kuyendetsa bwino ma portfolio. Momwemonso, pamene maukonde a 5G akufalikira, momwemonso kulipira kwa mafoni ku chuma cha crypto, kukwera mpaka kumtunda. Kuthamanga kwake ndi kutsika kochepa kumapangitsa kuti ntchito za 5G zikhale zofulumira kwambiri, zosalala komanso zotetezeka m'njira yomwe ndalama zam'manja zimakhala zothandiza komanso zopanda msoko. Choncho, mwachidule, ndi kuwonjezera kwa foni yamakono, kusinthasintha, kulamulira ndi chitetezo kudzaperekedwa ndi chuma cha digito; chifukwa chake, zimasinthiratu zochitika zachuma. M'malo mwake, awiriwa adzawonetsa momwe ndalama zidzayendetsedwera mtsogolomo pomwe ogwiritsa ntchito padziko lonse lapansi amayang'anira momwe amapezera ndalama kuchokera pachida chomwe chili mthumba mwawo.
