Ugqozi oluvusa amadlingozi ekubumbeni kabusha indlela abantu abaphatha ngayo, badlulise futhi batshale imali emalini enikezwa yidijithali siphiwe ubudlelwano bemali engenayo phakathi kwama-smartphone kanye ne-cryptocurrency. Ngokuthuthuka okusheshayo kwezobuchwepheshe beselula kanye nokwamukelwa okwandayo njalo endaweni ye-cryptocurrency, lawa mandla amabili avelayo ashintsha indlela ukuthengiselana kwezezimali okwenziwa ngayo.
I-Intersection yama-Smartphones kanye ne-Cryptocurrency
Omakhalekhukhwini sebeyithuluzi elingephikiswe namuhla elinabasebenzisi abangaphezu kwezigidigidi ezingu-6.8 emhlabeni wonke ngo-2024. Ubuchwepheshe bamaselula busetshenziswe ekukhuleni kwezimali zomdabu zedijithali. Ngokukhula kwezimali ezimisiwe kanye nezikhwama zedijithali, ukuthengwa, ukuthengisa nokugcinwa kwe-cryptocurrency kuguqulelwe kumagajethi abantu futhi kutholakala kalula kakhulu kunangaphambili. Okubaluleke nakakhulu, lokhu kuhlanganisa kuletha izici eziningi eziholela ekubambisaneni okwengeziwe nezindlela zedijithali.
Ikakhulukazi emazweni anezinsizakalo zebhange zendabuko ezingathembekile, ukutholakala kwemali eyimfihlo ngama-smartphone kuya ngokuya kubaluleke kakhulu. Emazweni anezinto zezimali ezingahlelekile - njengeNigeria neVenezuela - izikhwama zamaselula ze-crypto zisebenzela ukuvikela ukonga kwabantu ekukhuphukeni kwamandla emali kanye nokwehliswa kohlobo lwemali, ngokubanzi. Imisebenzi ye-Crypto ngamagajethi aphathwayo, ngokusho kwedatha yawo, ikhule namuhla cishe ngama-200% - icaphuna i-Chainalysis ngo-2024.
Ama-Smartphones Aba Kanjani Ama-Crypto Wallets
Mhlawumbe enye yentuthuko ephawuleka kakhulu esizindeni sezimali zamaselula ihlobene nokuthuthukiswa kwezikhwama zemali ye-cryptocurrency zama-smartphone. Izikhwama zedijithali zivumela abasebenzisi ukuthi bagcine, bathumele futhi bathole ama-cryptocurrensets ahlukahlukene ngqo kusuka kumadivayisi abo eselula. Ngokungafani nama-wallet endabuko—okukhishiwe akunjalo ngokuphathwa kwemali noma amakhadi—ama-wallet e-crypto ahlinzeka ngokubethela okuthuthukile ukuze kuvikeleke izimpahla zedijithali zabasebenzisi. Baletha inqwaba yemisebenzi esukela kokwenziwayo kuya ezicini zokuhweba eziyinkimbinkimbi.
Izinhlelo zokusebenza ezifana ne-Coinbase, Binance kanye ne-Trust Wallet zenzelwe ukusiza abasebenzisi ukuphatha izimpahla zabo zedijithali ekuhambeni. Ayithathi eyodwa noma ezimbili kodwa inqwaba yama-cryptocurrensets—ihlinzeka ngendlela elula yokugcina umkhondo wamabhalansi amaningi, ukwenza ukudluliselwa nokuhlola umlando wokwenziwe. Futhi zigcina abasebenzisi benolwazi lwakamuva ngezinguquko zentengo ezifana Uhlolojikelele lwesilinganiso senani le-Ethereum. Njengoba i-crypto wallet ibekwe phezu kwe-smartphone, isithiyo esiningi sokungena siyancishiswa kubasebenzisi abasha, okugqugquzela ukuthengiselana kwansuku zonke ngezimali zedijithali.
Iqhaza lamakhodi e-QR ku-Mobile Crypto Transactions
Amakhodi e-QR akhona kuwo wonke ama-nook and cranny of mobile transactions — ngokushesha nangokuvikelekile, ekuthumeleni noma ekutholeni izimali zedijithali. Manje, lawa makhodi akhulula umsebenzi wokufaka inombolo enkulu yamakheli e-wallet, avame ukufakwa kukho konke okwenziwayo, ngaleyo ndlela alondoloze amaphutha nesikhathi ekuqedeni inqubo yokuthengiselana.
Ikhodi ye-QR isetshenziswa kakhulu uma kuziwa ekulungiseni ukuthengiselana kwe-peer-to-peer (P2P) nasekukhokheleni okudayisa. Eqinisweni, emazweni afana ne-Japan ne-South Korea, ngamakhodi e-QR, ukulayisha kabusha kusetha izindinganiso zokukhokha ezitolo eziphathekayo. Imiphumela yocwaningo izokhombisa ukuthi, kokukodwa, ngokusekelwe ocwaningweni lwe-Statista 2024, ama-40% crypto abasebenzisi kubikwa ukuthi manje basebenza njalo besebenzisa amakhodi e-QR e-Asia uma kuqhathaniswa nama-25% lapho kwenziwa inhlolovo efanayo ngo-2022.
Ngaphandle kokunethezeka, amakhodi e-QR aphinde asho ukuphepha okuthuthukisiwe kokwenziwe. Ngokusetshenziswa okuguquguqukayo kwamakhodi e-QR, ashintshwa ngakho konke okwenziwayo, abasebenzisi banciphisa amathuba okukhwabanisa nokufinyelela okungagunyaziwe emalini yabo. Lesi sici manje sesiza nama-wallet amaningi eselula e-crypto, okukhombisa lo mkhuba embonini ekuqinisekiseni ukuphepha.
Ukucatshangelwa Kwezokuphepha: Ukuvikela i-Crypto Yakho kuma-Smartphones
Yize ama-smartphones ehlinzeka ngendlela ewusizo kakhulu yokuphatha ama-cryptocurrencies, futhi bethula izinselelo zokuphepha. Ngenxa yokuthi izimpahla zedijithali zinenani elikhulayo, ama-smartphones aphenduka abe yizigebengu eziyinhloko. Ngokombiko we Ukuphepha kwe-cyber eqinile iKaspersky, ngo-2024 nje, kwakunamacala angaphezu kuka-10,000 abikiwe okwebiwa kwe-crypto okusekelwe kumakhalekhukhwini.
Ukuvikelwa kwama-cryptocurrencies kudinga ukusetshenziswa kwezixazululo eziningi zokuphepha. Okubalulekile ukunika amandla ukuqinisekiswa kwezinto ezimbili (2FA). Iningi lezinhlelo zokusebenza zeselula ze-crypto zifaka lesi sendlalelo sokuvikela, okuthi, phakathi kwezinye izidingo, sidinge abasebenzisi ukuthi baqinisekise ubunikazi babo ngokusebenzisa indlela eyengeziwe, njengomlayezo wombhalo noma uhlelo lokusebenza lokufakazela ubuqiniso.
Esinye isilinganiso esibaluleke kakhulu esamukelwe onjiniyela isikhwama sehadiwe, esigcina okhiye abayimfihlo ungaxhunyiwe ku-inthanethi kuma-wallet wehadiwe ahlala engenangozi ekuhlaselweni kwe-inthanethi. Yize lokhu kungase kuzwakale kuxakile kubasebenzisi beselula, izikhwama eziningi zehadiwe manje ziklanywe ngendlela evumelana neselula ukuze abasebenzisi bakwazi ukuphatha izimpahla ngokuphephile ngama-smartphone abo.
Kungcono futhi ukubuyekeza isofthiwe njalo futhi uqaphe ubugebengu bokweba imininingwane ebucayi. Njengoba izinga lobugebengu bokweba imininingwane ebucayi eliza nokukhomba amadivayisi eselula lithuthuke kakhulu, ukuqaphela okukhulu kufanele kuthathwe abasebenzisi ngokuya ngezixhumanisi abazichofozayo kanye nolwazi okungenzeka bayaludalula. Enye ingozi yokusebenzisa izinhlelo zokusebenza ezivela ezitolo ezingekho emthethweni yithuba lokulanda isofthiwe eyingozi.
Ikusasa Lezezimali Zeselula: Amathrendi Asafufusa Nobuchwepheshe
Njengoba i-2024 iqhubeka, kunenqwaba yezitayela ezivelayo futhi technologies ukuthi abanye bacabanga ukuthi kungaba nomthelela kwikusasa lezezimali zamaselula. Lokhu kungathatha isaziso esikhulu sokukhuphuka kwe-CBDCs kanye ne-Central Bank Digital Currencies. Emazweni afana ne-China kanye ne-European Union, lezo zimali zedijithali ezisekelwa uhulumeni zizotholakala ngama-smartphone futhi zishintshe indlela abantu abasebenzisa ngayo imali yabo. Ihlanganisa ngempela izinzuzo zezimali zendabuko nokunethezeka kwezimpahla zedijithali. Ngaphezu kwalokho, ubuhlakani bokwenziwa bungeziwe ezinhlelweni zezimali zamaselula. Umuzwa womsebenzisi uthuthukiswa ngendlela emangalisayo ngamathuluzi e-AI anikeza izeluleko zokutshala izimali eziqondene nawe, ukuvimbela imisebenzi yokukhwabanisa nokuthuthukiswa kwamasu okuhweba, phakathi kwezinye izinto eziningi.
Eqinisweni, ezinye zezinhlelo zokusebenza zokusetshenziswa kwe-AI ziyizinhlelo zokusebenza ze-Wealthfront kanye ne-Betterment robo-advice ezisiza abasebenzisi ukuphatha kahle amaphothifoliyo. Ngokufanayo, njengoba amanethiwekhi e-5G eqhubeka esakazeka, kanjalo nezinkokhelo zeselula zingena emnothweni we-crypto, zikhuphukela phezulu. Ijubane layo nokubambezeleka okuphansi kwenza ukuthengiselana kwe-5G kusheshe kakhulu, kubushelelezi futhi kuvikeleke ngendlela ezezimali zeselula ziba usizo kakhulu futhi zingabi nazihibe. Ngakho-ke, ngamafuphi, ngokungezwa kwe-smartphone, ukuguquguquka okwengeziwe, ukulawula nokuphepha kuzohlinzekwa ngezimpahla zedijithali; ngakho-ke, ishintsha ngokuphelele indawo yezezimali. Eqinisweni, le duo eguquguqukayo, empeleni, izoshadi indlela ezezimali ezizophathwa ngayo esikhathini esizayo ngabasebenzisi emhlabeni wonke abaphethe iziphetho zabo zezimali khona kanye kudivayisi esesikhwameni sabo.
