Ukuguqulwa kwedijithali kwezinkokhelo kube yimbangela yangempela ye-ecosystem yezezimali yesifunda, kodwa kuphinde kwavula umnyango wegagasi lezingozi okungekho muntu ongaziba. E-Latin America, ukukhwabanisa emkhakheni we-paytech sekuyinto ehamba phambili, ngezibalo ezikhuphukayo, amaqhinga athuthukayo, kanye nomthelela oqondile ekuthembekeni kwabasebenzisi nezinkampani. Ukuze wenze inkinga ibonakale, gqugquzela izixazululo, futhi uxhume ababambiqhaza ababalulekile Akusona isiqubulo: yisimo sokuqhubeka nokukhula ngaphandle kokunikeza izigebengu indawo.
Lo mzamo ohlangene usuvele uyabonakala emphakathini we-fintech wesifunda, lapho amabhange, iziqalo, amaphrosesa, abathengisi, nabahlinzeki bezobuchwepheshe kuhlangana ndawonye. Sikhuluma nge-ecosystem evuthiwe ehlanganisa ndawonye phezu 40.000 abenzi kanye ochwepheshe Futhi ifuna, ngomcabango ogxile eqenjini, ukunciphisa ububanzi bokukhwabanisa. Ngoba eceleni kokukhula kwezinkokhelo zedijithali, kuye kwavela amanethiwekhi obugebengu akhethekile futhi ahlelekile; umsebenzi wabo uphoqa abadlali bemboni ukuthi baxhumanise kangcono kunangaphambili, babelane ngezixwayiso zangaphambi kwesikhathi, futhi bakhuphule izinga ukuze bavikeleke ngaphandle kokulimaza ukuzizwisa kwekhasimende.
Isitha esivamile ku-ecosystem yezezimali
Ngesikhathi seMakethe ye-Latam Fintech e-Barranquilla, e-Colombia, amazwi ahamba phambili kulo mkhakha aqokomisa iqiniso elingemnandi: ukukhwabanisa okuthinta abasebenzisi amabhange, izinkampani ze-fintech, nezikhungo zezezimali esifundeni sonke Lokhu akulona iqoqo lezehlakalo ezingazodwa, kodwa kunalokho ubuso obubonakalayo bosongo oluvamile. Ukuxilongwa kwakucacile: uma abakhohlisi besebenzisana futhi bethengisa "izinsizakalo" zabo ku-inthanethi ngesilinganiso sesifunda, iziphathimandla ezifanele kufanele ziphendule ngendlela ehlangene ngesu elihlanganyelwe. Uma kungenjalo, iningi lezisulu lizoqhubeka lingatholi ukulungiswa.
Kuleso sithangami kwaphawulwa ukuthi emazweni afana neColombia, lezi zinqubo zihlanganisiwe. amanethiwekhi professional kakhulu Basebenzisa amasu amaningi okukhwabanisa, kusukela kokwebiwa komazisi besebenzisa imibhalo yomgunyathi kuya ekusetshenzisweni kolwazi olungagunyaziwe. Ukugxuma kwekhwalithi: asisakhulumi ngemikhonyovu engasho lutho, kodwa mayelana nezakhiwo ezinokuhlelwa kwezinto, ukuhlukaniswa kwezindima, namakhathalogi wamathuluzi.
Isimo asihlukile kangako e-Mexico, lapho ukwebiwa kobunikazi, ukubolekwa kwe-"gota a gota", nokuhlaselwa okusekelwe ezingcingweni eziwumgunyathi, imilayezo, noma ama-imeyili axhaphaza ubunjiniyela bomphakathi kuvamile. Ukuthulula i-akhawunti ngendaba yamaminithi kungenzeka ngokuphelele Uma umhlaseli ethola izifakazelo noma esebenzisa iphutha ngobuchule. Ngakho-ke umlayezo oyinhloko: ukunqanda ukukhwabanisa akuyona inhloso yesibili, kuyimfuneko yokugcina ukwethenjwa okwenza ibhizinisi ledijithali lisebenze.
I-AI nama-deepfakes: inkundla yokudlala ishintshile
Enye into enkulu ekhathaza imboni ukusetshenziswa okunonya kobuhlakani bokwenziwa. Akuseyona nje emayelana nama-imeyili abhalwe kabi: manje sekunamavidiyo akhiqizwe kahle kakhulu, amazwi aqoshiwe, kanye nezithombe zabantu okucatshangwa ukuthi zingabantu bakahulumeni abamema abantu ukuthi batshale imali [kule mboni]. izinhlelo zokusebenza zomgunyathi noma amacebo okukhwabanisaLeso singqimba samaqiniso—ama-deepfakes adumile—siphindaphinda izinga lempumelelo yabakhwabanisi futhi senze ukuqinisekiswa kube nzima kumsebenzisi ojwayelekile.
Ochwepheshe emkhakheni kamazisi wedijithali baxwayise ngokuthi i-AI, ngamandla ayo amakhulu amahle, Uphinde aphelelise ukuhlasela kwakheLokhu kuphoqa izikhungo zezezimali ukuthi zihlale izinyathelo ezimbalwa ngaphambili, ukuqinisa izilawuli nokutholwa kusenesikhathi ngaphandle kokushintsha konke okwenziwayo kube uvivinyo kukhasimende. I-bar iphakanyisiwe, futhi amaqembu asengozini kufanele avuke nawo.
Izibalo zakamuva ezikhombisa ukukhuphuka
Idatha evela emithonjeni eyahlukene ibonisa ukuphindaphinda okuqinile. Engxenyeni yokuqala ka-2024, a Ukukhula ngo-32% kokukhwabanisa uma kuqhathaniswa nesikhathi esifanayo ngo-2023ngokugxuma okungu-113% kuhlelo olungayilungele ikhompuyutha. Ngaphezu kwalokho, ukuhlaselwa okungu-79% kwavela kumadivayisi eselula, futhi kulelo qembu, u-30% wafika ngokuqondile ngeziphequluli zeselula, iphethini engajwayelekile uma kuqhathaniswa ne-Asia noma i-Europe.
Ukuthambekela kuqhubekile engxenyeni yesibili ka-2024: ukukhuphuka okungu-17% kubonwe uma kuqhathaniswa nonyaka odlule. Futhi ezinyangeni ezine zokuqala zika-2025, ukwanda okwengeziwe sekuvele kuvela. Amacala angama-7% ngaphezulu kunengxenye yokuqala ka-2024Kwengezwe kulokhu izexwayiso ezifana nokwenyuka okungu-140% kwemikhonyovu okusekelwe emilayezweni mbumbulu esifundeni, okuqinisekisa ukuthi i-vector "yokuthumela umlayezo" ihlala iyindawo yempi ephambili.
Ukufundwa akungabazeki: I-Latin America ibhekene nesimo sokuqala seselula futhi sokukhwabanisa, lapho ifoni kokubili ithuluzi lokuphatha izimali futhi indawo yokungena ekhethwayo yabahlaseliIziphequluli zamaselula, izinhlelo zokusebenza, i-SMS kanye nemiyalezo esheshayo sekuphenduke iziteshi ezixhashazwa kakhulu izigebengu.
Imephu yesifunda: akubona bonke abantu ababhekene nenselelo efanayo
Ukukhwabanisa kwe-Paytech akusatshalaliswa ngokulinganayo. Izwe ngalinye libonisa amaphethini ahlukene nama-nuances. kuye ngokuvuthwa kwabo kwedijithali, ukulawulwa kwabo, kanye nokuvela kobugebengu obuhleliwe. Ukuqonda lo mehluko kuyisihluthulelo sokugwema izixazululo ezijwayelekile, empeleni, ezishiya izintuba.
E-Argentina, imikhonyovu eqondisiwe esekelwe kubunjiniyela bezenhlalo kanye nokusetshenziswa kolwazi olungekho emthethweni kudlangile; e-Uruguay, okulandelayo kuyagqama: uhlelo olungayilungele ikhompuyutha kanye nobugebengu bokweba imininingwane ebucayiEColombia, izinhlelo zemibhoshongo ziye zadlondlobala, zisebenzisa amagebe okulawula; futhi eMexico, ngaphezu kokuhlasela okuthuthukile, kutholwe amanethiwekhi okukhwabanisa okuyindandatho kanye nokusetshenziswa kwama-deepfakes. Ukusebenza emazweni amaningi kusho ukubhekana nezinsongo ezithuthuka ngokushesha.
Izinhlobo ezivame kakhulu zokukhwabanisa (kanye nezibalo zazo)
I-Phishing
Abakhwabanisi bathumela ama-imeyili abukeka esemthethweni noma imilayezo ukuze bantshontshe amagama ayimfihlo noma ulwazi lwekhadi lesikweletu. Ngo-2023, i- Ubugebengu bokweba imininingwane ebucayi bebukhona ku-44% wokukhwabanisa ku-inthanethi esifundeni, ngokusho kwezilinganiso zemboni ezicashunwe kabanzi. Inhlanganisela yokulingisa umkhiqizo kanye nokuphuthuma iyaqhubeka nokusebenza ngempumelelo.
Ukugebenga
Lezi yizingcingo lapho isigebengu sizenza abasebenzi benhlangano ukuze sithole ulwazi olubucayi. Ngo-2023, cishe U-30% wezikhalazo zokukhwabanisa ngocingo E-Latin America, axhunywe kule vector, ngokusho kwedatha ekhishwe izinhlangano zamabhange zesifunda.
Ukubhema
Imilayezo ye-SMS enezixhumanisi zobugebengu bokweba imininingwane ebucayi noma izicelo zedatha. Ukuqhuma kumelelwe nxazonke U-25% wemizamo yokukhwabanisa yemiyalezo esifundeni ngo-2023, ngokwemibiko evela ezinkampanini ze-cybersecurity eziqapha lesi siteshi.
Ukukhwabanisa kwe-E-commerce
Ukuthenga ku-inthanethi ngemininingwane eyebiwe kanye nokusetshenziswa kwe amakhadi asengoziniNgo-2023, cishe i- U-32% wamacala abikiwe I-e-commerce ihilela idatha yekhadi eyebiwe, ngokusho kokuhlaziywa okukhethekile komkhakha wezinkokhelo.
Ukudluliselwa ngogesi okuwumgunyathi
Ukufinyelela okungagunyaziwe kuma-akhawunti ukuhambisa izimali. Ngo-2023, cishe U-20% wezikhalazo zokukhwabanisa kwezezimali Esifundeni, bekuxhunyaniswe nokudluliswa kwe-elekthronikhi okunonya, ngokusho kwamarekhodi avela kumafemu onogada asebenza emhlabeni jikelele.
Ukukhohlisa amakhodi e-QR ezitolo
Umhlaseli ufaka esikhundleni sekhodi ye-QR esemthethweni edlulisela inkokhelo ku-akhawunti yakhe. Ngokunwetshwa kwale ndlela yokukhokha, izigameko ezindaweni zokukhokha nasemabhodini okukhangisa ziyanda. Zungezisa amakhodi futhi uwaqinisekise ngamandla Kubaluleka ukugwema ukunikeza iqoqo kumuntu wesithathu.
Uma umhlinzeki wezokuvikela ehluleka: isifundo sokunqamuka komhlaba
Ezinkampanini ze-fintech kanye namabhange ohwebo, achuma ngokuthenjwa, umthelela womcimbi onjalo awuwona nje ubuchwepheshe. Kungabandakanya ukungatholakali kwezinsizakalo ezibalulekile, ukuchayeka kwedatha, kanye ukulimala kwesithunziFuthi yilapho isivinini sokuphendula, ukuxhumana namaklayenti, nokuxhumana nozakwethu kwenza umehluko phakathi kwe-anecdote kanye nenkinga ethatha isikhathi eside.
Izindawo zokuhwebelana zicubungula umthamo omkhulu wemisebenzi nsuku zonke; ukumiswa ngisho namahora ambalwa kungaholela ekulahlekelweni okukhulu kanye nabasebenzisi abavaleleke ngaphandle. Ochwepheshe bezimboni, njengabaphathi bezobuchwepheshe ezinkampanini zesifunda, bakugcizelele lokho baqonde uchungechunge lokuncika (abahlinzeki, ukuhlanganiswa, amathuluzi) nokuklama “uhlelo B” kubaluleke njengokuvimbela ukuhlasela kwasekuqaleni.
Okufanele ngikwenze? Tshala imali kubuchwepheshe bezokuphepha obusezingeni eliphezulu, qhubeka uqeqesha amaqembu, uqaphe ngamamethrikhi alindele okudidayo, futhi uhlanganyele nezinye izinkampani ukuze wabelane ngobuhlakani. Ukuqinisekisa okuqinile (2FA/MFA) kanye nezimo zayo zokusebenzisa -kusukela ezinkokhelweni kuya ekubhaliseni okusha kwamakhasimende- akuseyona into eyengeziwe, kodwa isisekelo semodeli.
Amasu okuvikela anezendlalelo eziningi asebenzayo
Indlela ephumelela kakhulu ihlanganisa ukuvimbela, ukutholwa, kanye nokusabela. Izinkampani eziningi ze-fintech sezivele zisebenzisa izindlela zokuvimbela. ukuvinjwa okuzenzakalelayo kwethrafikhi enonyaIzigxivizo zeminwe zedijithali zamadivayisi nokuqinisekisa okuguquguqukayo okulungisa ubungozi ngesikhathi sangempela. Uma okuthile kubonakala kusolisa, amabhulokhi angabonakali ayenziwa angasebenzi angamthinti umsebenzisi osemthethweni.
I-Artificial Intelligence iyisivikelo esivumela lawa makhono ukuthi alinganiswe: amamodeli abikezelayo okuthola amaphuzu, ukuqinisekiswa komsebenzisi nokulandelela ibhizinisi, kanye nabasizi abazenzakalelayo besevisi yamakhasimende kanye nokulingisa kwezezimali ngokufunda okuqhubekayo. I-AI yokuzivikela inyusa ukunemba kwezinqumo futhi kunciphisa ukungqubuzana lapho kungadingeki khona.
Kusendlalelo sengqalasizinda, ukusetshenziswa kwamapulatifomu amafu anobukhona obuqinile besifunda—ngokwesibonelo, i-AWS—kuyasiza. isikali ngokuphepha nokunwebeka kwangempelaKwethulwa imikhiqizo ezimakethe ezintsha kanye nokumunca ukufunwa okuphezulu ngaphandle kokufaka ukulawula. Le nhlanganisela yobuchule nokubusa ibalulekile ezindaweni eziguquguqukayo njengalezo zaseLatin America.
Impendulo ehleliwe ihlanganisa ukusebenzelana nabashushisi kanye namaqembu ezomthetho, asekelwa ngu ubufakazi be-forensic lokho kuvumela ukubika kanye nokushushiswa kobugebengu. Izinkampani ezimbalwa nazo zakha ezazo ingqalasizinda yezinqubo ezibalulekile (ukuqinisekisa, imikhankaso yokumaketha, nokuqinisekiswa kokwenziwayo) ngezinjongo ezimbili zokuqinisa ezokuphepha kanye nokuthuthukisa izindleko.
Okokugcina, umqondo wenethiwekhi enkulu lapho izikhungo zabelana ngolwazi mayelana nezigebengu eziphindelelayo eziye zaqola izinkampani eziningi uyakhula. Ukuphromotha a inqubomgomo yomphakathi eyenza ukulwa nokukhwabanisa kusebenze Lokhu kuzovimbela umphumela "we-cascade", lapho umuntu oyedwa ethinta amabhizinisi amaningi ngesikhathi esifushane.
Imikhuba emihle yabasebenzisi namabhizinisi
Kumakhasimende nezilondolozi, imihlahlandlela ebalulekile isasebenza: qaphela imilayezo eyingozi, buyekeza ama-imeyili ngokucophelela, uqinisekise ukuthi amafemu nezinkundla zigunyaziwe, shayela isikhungo ngaphambi kokutshala imali noma ukuthola uxhaso, futhi Ungalokothi unikeze ulwazi oluyimfihlo kubantu besithathu. Imfundo isewumugqa wokuqala wokuzivikela.
Efonini yakho, kuyatuseka ukuthi ugcine uhlelo luvuselelwe, ugweme ukulanda izinhlelo zokusebenza kusuka kuzixhumanisi ezisemilayezweni, futhi uqaphele imilayezo ye-SMS ecela imininingwane. ungaskena amakhodi e-QR ezingaveli emithonjeni ethembekile. Uma okuthile kubonakala kusolisa, kungcono ukuma futhi uhlole kabili kunokulandela isixhumanisi ngokuxhamazela.
Emabhizinisini, okubalulekile ukuvikela kokubili isiteshi esiku-inthanethi nendawo yokuthengisa ebonakalayo: ukusebenzisa imithetho emelene nokukhwabanisa nokuqinisekisa okwengeziwe ekuhwebeni kwe-inthanethi, ukusetha izexwayiso zamaphethini asolisayo (isibonelo, ukuvuleka okuphindaphindiwe noma imizamo evela ku-IP efanayo), futhi ngezikhathi ezithile uhlole izimpawu ezinamakhodi e-QR ukuze uvimbele ukushintshwa. Ukuzungezisa amakhodi e-QR nokwengeza izindlela eziguquguqukayo kusiza ukuvimbela ukuphazamisa.
I-Latin America iyahlela: umphakathi nolwazi olwabiwe
Ukulwa nokukhwabanisa kwe-paytech esifundeni kakade iphrojekthi ehlangene. Izinkundla, izinhlangano, kanye nemiphakathi lokho Benza kubonakale, bakhuthaze, futhi baxhumane. Yonke i-ecosystem isheshisa ukushintshana kwemikhuba ehamba phambili. Akukona nje ukuqondana ukuthi amashumi ezinkulungwane zochwepheshe—lowo mphakathi “wabenzi” abangaphezu kuka-40.000—ufuna izixazululo ezihlanganyelwe nokwabelana ngezinkomba zobungozi.
Kuphinde kubhekwe abahlinzeki bezokukhokha kanye nezokuphepha okuthi, njengezinkampani ezahlukene kulo mkhakha—okuhlanganisa namasango okukhokha kanye namafemu akhethekile—ziveze, Bazibophezele ekuqiniseni imvelo yokuthengiselana Ngezilawuli ezengeziwe, ukubonwa, nezimpendulo ezididiyelwe, ukusebenzisana nochwepheshe bezokuphepha zedijithali kuvumela ukuthuthukiswa kwamakhono angaphakathi kanye nezikhathi zokusabela ezimfushane.
Uma ubheka isithombe sonke, isifunda sifunda ngokushesha futhi silungisa ibhalansi phakathi kokuhlangenwe nakho komsebenzisi nokuvikeleka endaweni yokuhlaselwa okuyinkimbinkimbi. Uma imboni igcina ukuvikela okunezendlalelo eziningi, ukusebenzisana okusebenzayo, kanye nokuqanjwa okusha ku-AIUkukhwabanisa kuzophelelwa amandla futhi ukuthembela ezinkokhelweni zedijithali kuzokhula esisekelweni esiqine kakhudlwana.
