Impembelelo echukumisayo ekuyilweni ngokutsha indlela abantu abaphatha ngayo, ukudlulisela kunye nokutyala imali kwimali yedijithali inikwe yintsebenziswano yengeniso phakathi kwee-smartphones kunye ne-cryptocurrency. Ngenkqubela phambili ekhawulezileyo yetekhnoloji yeselula kunye nokwamkelwa okukhulayo kummandla we-cryptocurrency, la mandla mabini avelayo ayayitshintsha indlela utshintshiselwano lwezemali lwenziwa ngayo.
Ukudityaniswa kwee-smartphones kunye ne-Cryptocurrency
Ii-smartphones zibe sisixhobo esingenakuphikiswa kule mihla esinabasebenzisi abangaphezu kwe-6.8 yeebhiliyoni kwihlabathi liphela ngo-2024. Ubuchwephesha beselula busetyenziswe ekunyukeni kweemali zedijithali. Ngokukhula kwezemali ezinatyisiweyo kunye nezipaji zedijithali, ukuthengwa kwe-cryptocurrency, ukuthengisa kunye nokugcinwa kuye kwalungelelaniswa nezixhobo zabantu kwaye zifumaneka ngokulula kunangaphambili. Okubaluleke ngakumbi, oku kudityaniswa kuzisa imiba emininzi ekhokelela kwintsebenziswano ngakumbi ngeendlela zedijithali.
Ngokukodwa kumazwe aneenkonzo zebhanki zemveli ezingathembekanga, ukufumaneka kwee-cryptocurrencies ngokusebenzisa ii-smartphones kubaluleke kakhulu. Kumazwe anezixhobo zezemali ezingaqhelekanga - njengeNigeria kunye neVenezuela - izipaji ze-crypto eziphathwayo zisebenza ukukhusela ukongiwa kwabantu ekunyukeni kwamaxabiso kunye nokuhla kwexabiso lemali, ngokubanzi. Imisebenzi ye-Crypto ngokusebenzisa izixhobo eziphathekayo, ngokweenkcukacha zabo, zikhule ngoku malunga ne-200%-icaphula i-Chainalysis kwi-2024.
Ii-smartphones ziba njani ii-Crypto wallets
Mhlawumbi olunye lolona phuhliso lubalulekileyo kwi-domain yezemali yeselula inento yokwenza nophuhliso lwe-cryptocurrency wallet yee-smartphones. Izipaji zedijithali zivumela abasebenzisi ukuba bagcine, bathumele kwaye bafumane ii-cryptocurrencies ezahlukeneyo ngokuthe ngqo kwizixhobo zabo eziphathwayo. Ngokungafaniyo nezipaji zemveli-ezingabandakanyiweyo akunjalo ngokuphathwa ngokomzimba kwekheshi okanye amakhadi-izipaji ze-crypto zibonelela ngoguqulelo oluntsonkothileyo ukukhusela i-asethi yedijithali yabasebenzisi. Bazisa intaphane yezinto ezisebenzayo ezisuka kwiintengiselwano ezisisiseko ukuya kwiimpawu zorhwebo ezintsonkothileyo.
Ii-Apps ezifana ne-Coinbase, i-Binance kunye ne-Trust Wallet ziye zaphuhliswa ukunceda abasebenzisi ukulawula iimpahla zabo zedijithali ekuhambeni. Abahlalisanga enye okanye ezimbini kodwa ubuninzi be-cryptocurrencies-ukubonelela nge-interface elula yokugcina umkhondo weebhalansi ezininzi, ukwenza ukudluliselwa kunye nokukhangela kwimbali yentengiselwano. Kwakhona bagcina abasebenzisi ukuya kumhla kunye utshintsho ixabiso ezifana Isishwankathelo sexabiso lexabiso le-Ethereum. Njengoko i-crypto wallet ibekwe kwi-smartphone, uninzi lwesithintelo sokungena siyancitshiswa kubasebenzisi abatsha, ukukhuthaza ukuthengiselana kwemihla ngemihla ngeemali zedijithali.
Indima yeeKhowudi ze-QR kwiNtengiselwano ye-Mobile Crypto
Iikhowudi ze-QR zikhona kuyo yonke i-nook kunye ne-cranny ye-crypto transactions yeselula-ngokukhawuleza nangokukhuselekileyo, ekuthumeleni okanye ekufumaneni iimali zedijithali. Ngoku, ezi khowudi zikhulula umsebenzi wokungena kwinani elikhulu leedilesi ze-wallet, ezihlala zifakwe kuyo yonke intengiselwano, ngaloo ndlela zigcina iimpazamo kunye nexesha lokugqiba inkqubo yokuthengiselana.
Ikhowudi ye-QR isetyenziswa kakhulu xa kuziwa ekulungiseni ukuthengiselana koontanga (P2P) kunye nokuhlawula ukuthengisa. Ngapha koko, kumazwe afana neJapan kunye neSouth Korea, ngeekhowudi ze-QR, ukulayishwa kwakhona kubeka imigangatho yeentlawulo kwiivenkile eziphathekayo. Iziphumo zovavanyo ziya kubonisa ukuba, kwisaveyi ye-Statista 2024, i-40% crypto abasebenzisi kuthiwa ngoku basebenza rhoqo besebenzisa iikhowudi ze-QR e-Asia xa kuthelekiswa ne-25% xa kusenziwa uphando olufanayo ngo-2022.
Ngaphandle kokulula, iikhowudi ze-QR zikwathetha ukhuseleko olongeziweyo kwiintengiselwano. Ngokusetyenziswa okuguquguqukayo kweekhowudi ze-QR, ezitshintshwa ngayo yonke intengiselwano, abasebenzisi banciphisa ubuqhetseba kunye nokufikelela okungagunyaziswanga kwiimali zabo. Eli nqaku ngoku liza kunye ne-crypto wallet ezininzi eziphathwayo, ezibonisa lo mkhwa kwishishini ukuya ekuqinisekiseni ukhuseleko.
Iingqwalasela zoKhuseleko: Ukukhusela i-Crypto yakho kwii-Smartphones
Nangona ii-smartphones zibonelela ngendlela eluncedo kakhulu yokulawula ii-cryptocurrencies, zikwazisa nemingeni yokhuseleko. Ngenxa yokuba ii-asethi zedijithali zinexabiso elongeziweyo, ii-smartphones zijika zibe yeyona nto iphambili ekujoliswe kuyo kubaduni. Ngokwengxelo ye Khu seleko firm Kaspersky, ngo-2024 nje, bekukho ngaphezu 10,000 amatyala axeliweyo ubusela crypto mobile-based.
Ukukhuselwa kwee-cryptocurrencies zabasebenzisi kufuna ukusetyenziswa kwezisombululo ezininzi zokhuseleko. Okubalulekileyo kukwenziwa koqinisekiso lwezinto ezimbini (2FA). Uninzi lweeapps ze-crypto eziphathwayo zibandakanya olu maleko wokhuseleko, oluthi, phakathi kwezinye iimfuno, lunyanzelise abasebenzisi ukuba baqinisekise ubuni babo ngendlela eyongezelelweyo, njengomyalezo obhaliweyo okanye usetyenziso loqinisekiso.
Omnye umlinganiselo obaluleke kakhulu owamkelwa ngabaphuhlisi sisipaji se-hardware, esigcina izitshixo zabucala ngaphandle kwe-intanethi kwizipaji ze-hardware ezihlala zingenabungozi kuhlaselo lwe-intanethi. Nangona oku kunokuvakala kuyinto ehlekisayo kubasebenzisi beselula, uninzi lwezipaji zehardware ngoku ziyilwe ngojongano olusebenzisekayo ukuze abasebenzisi bakwazi ukugcina iimpahla ngokukhuselekileyo ngee-smartphones zabo.
Kukwangcono ukuhlaziya isoftware rhoqo kwaye ulumkele i phishing. Kuba inqanaba lokurhwaphiliza eliza nokujolisa kwizixhobo eziphathwayo lihambele phambili kakhulu, kufuneka kulumke kakhulu kuthathwe ngabasebenzisi malunga namakhonkco abacofayo kunye nolwazi abanokuthi baluveze. Omnye umngcipheko wokusebenzisa usetyenziso oluvela kwiivenkile ezingekho semthethweni lithuba lokukhuphela isoftware engalunganga.
Ikamva lezeMali eziSetyenziswayo: IiNdlela eziQhubelayo kunye neeTekhnoloji
Njengoko i-2024 inxiba, kukho inani leendlela ezivelayo kunye ubugcisa ukuba abanye baqikelele ukuba banokuba nefuthe kwikamva lezemali eziphathwayo. Oku kungathatha isaziso esikhulu sokunyuka kwe-CBDCs kunye ne-Central Bank Digital Currencies. Kumazwe afana neTshayina kunye neManyano yaseYurophu, ezo zimali zedijithali zixhaswa ngurhulumente ziya kufumaneka ngee-smartphones kwaye zitshintshe indlela abantu abasebenzisa ngayo imali yabo. Ngokwenene idibanisa izibonelelo zemali zemveli kunye lula asethi yedijithali. Ngaphaya koko, ubukrelekrele bokwenziwa bongeziwe kwizicelo zezemali eziphathwayo. Amava omsebenzisi aphuculwe ngokumangalisayo ngezixhobo ze-AI ezinika iingcebiso zotyalo-mali lomntu, uthintelo lomsebenzi wobuqhophololo kunye nokulungiswa kwesicwangciso sokurhweba, phakathi kwezinye izinto ezininzi.
Enyanisweni, ezinye zezicelo zokusetyenziswa kwe-AI zi-Wealthfront kunye ne-Betterment robo-ingcebiso ezinceda abasebenzisi ukulawula ngokufanelekileyo iipotfoliyo. Ngokufanayo, njengoko iinethiwekhi ze-5G zisasazeka ngakumbi, ngokunjalo iintlawulo zeselula kuqoqosho lwe-crypto, lunyukela kwiindawo eziphakamileyo. Isantya sayo kunye ne-latency ephantsi yenza ukuthengiselana kwe-5G ngokukhawuleza, igudileyo kwaye ikhuselekile ngendlela yokuba imali yeselula ibe luncedo kakhulu kwaye ingenamthungo. Ke ngoko, ngokongeza, ukongezwa kwe-smartphone, ukuguquguquka ngakumbi, ulawulo kunye nokhuseleko luya kunikwa izinto zedijithali; kungoko, itshintsha ngokupheleleyo imeko yezemali. Ngapha koko, le duo iya kuthi, ngokwenyani, itshate indlela imali eza kulawulwa ngayo kwixa elizayo kunye nabasebenzisi kwihlabathi liphela bathathe uxanduva lwemali yabo kanye kwisixhobo esisepokothweni yabo.
