Mlandu wachuma umanena za ntchito zosaloledwa kuphatikizira kuchitapo zandalama mwachinyengo kapena kusaona mtima kuti munthu apindule nazo. Ndizovuta komanso zovuta padziko lonse nkhani yomwe imathandizira milandu ngati kuwononga ndalama, zigawenga zandalama, ndi zina. Bukuli lathunthu limafotokoza za serious zoopseza, kutali zotsatira, zaposachedwa mumaganiza, komanso yothandiza kwambiri zothetsera zolimbana ndi umbanda wachuma padziko lonse lapansi.

Kodi Upandu Wazachuma ndi Chiyani?

Upandu wachuma imakhudza chilichonse zolakwa zosaloledwa kuphatikizapo Kupeza ndalama kapena katundu mwachinyengo kapena mwachinyengo. Magulu akuluakulu ndi awa:

Kusamba ndalama: Kubisa magwero ndi kayendedwe ka ndalama zosaloledwa kuchokera ntchito zaupandu.
Chinyengo: Kunyenga mabizinesi, anthu, kapena maboma kuti apeze phindu lazachuma kapena katundu wosaloledwa.
Zigawenga: Kuba, chinyengo, kapena upandu wina wopangidwa ndi tekinoloje kuti upeze phindu.
Malonda amkati: Kugwiritsa ntchito molakwika zidziwitso zamakampani azinsinsi popeza phindu pamsika.
Ziphuphu/katangale: Kupereka zolimbikitsa monga ndalama kuti zikhudze machitidwe kapena zisankho.
Kupewera msonkho: Osalengeza ndalama kuti apewe kupereka msonkho mosaloledwa.
Ndalama zachigawenga: Kupereka ndalama zothandizira malingaliro augawenga kapena zochitika.

osiyanasiyana njira zosaloledwa thandizani kubisa umwini weniweni kapena magwero a ndalama ndi zina katundu. Umbava wazachuma umapangitsanso milandu yayikulu monga kuzembetsa mankhwala osokoneza bongo, kuzembetsa anthu, kuzembetsa, ndi zina zambiri. Mitundu ya kutengeka monga kuthandizira, kutsogolera kapena kukonza chiwembu chochita zandalama izi ndizosaloledwa.

Ukadaulo wotsogola komanso kulumikizana kwapadziko lonse lapansi kumathandizira kuti umbanda wazachuma ukhale wopambana. Komabe, odzipereka padziko lonse lapansi mabungwe zikupita patsogolo zothetsera kuti athane ndi chiwopsezo chaupanduchi mogwira mtima kuposa kale.

Kukula Kwakukulu kwa Upandu Wazachuma

Umbava wazachuma walowerera kwambiri padziko lonse lapansi chuma. The Ofesi ya United Nations yolimbana ndi mankhwala osokoneza bongo ndi umbanda (UNODC) amayerekeza kuchuluka kwake konse pa 3-5% ya GDP yapadziko lonse lapansi, kuimira chachikulu US $ 800 biliyoni mpaka $ 2 thililiyoni akuyenda mu ngalande zakuda pachaka.

Oyang'anira odana ndi kuwononga ndalama padziko lonse lapansi, a Ntchito Yogwira Ntchito Zachuma (FATF), inanena kuti kuwononga ndalama kokha kumakhala koopsa $1.6 thililiyoni pachaka, yofanana ndi 2.7% ya GDP yapadziko lonse lapansi. Pakali pano, mayiko amene akutukuka kumene angataye mowonjezereka $1 thililiyoni pachaka kuphatikiza chifukwa cha kupeŵa misonkho ndi kuzemba msonkho.

Komabe milandu yomwe yapezeka ikuyimira kachigawo kakang'ono chabe ka zochitika zachuma padziko lonse lapansi. Bungwe la Interpol likuchenjeza kuti 1% yokha yazachuma padziko lonse lapansi komanso ndalama zauchigawenga zitha kuwululidwa. Kupita patsogolo kwaukadaulo mu AI ndi kusanthula kwakukulu kwa data kumapereka chiyembekezo chokweza ziwonetsero. Komabe, upandu wazachuma ukuwoneka kuti ukhalabe wopindulitsa kwambiri $ 900 biliyoni mpaka $ 2 thililiyoni mafakitale apansi panthaka kwa zaka zikubwera.

Nthawi zina, munthu akhoza kukumana Kuneneza Zolakwa Zabodza pa milandu yazachuma omwe sanachite. Kukhala ndi loya wodziwa zachitetezo cha zigawenga kungakhale kofunikira pakuteteza ufulu wanu ngati mukunamiziridwa zabodza.

LawyersUAE Guide pa Criminal Law atha kupereka zidziwitso zamtengo wapatali pakuwongolera zovuta zamalamulo zozungulira milandu yazachuma, kuwonetsetsa kumvetsetsa bwino komanso kutsatira malamulo ndi malangizo ofunikira.

Chifukwa Chiyani Upandu Wazachuma Ndi Wofunika?

Kuchuluka kwa milandu yazachuma ikufanana ndi zotsatira zazikulu zapadziko lonse lapansi:

Kusakhazikika kwachuma komanso kuchedwa kwachitukuko
Kusafanana kwa ndalama/kusagwirizana pakati pa anthu komanso umphawi
Kuchepa kwa msonkho kumatanthauza kuchepa kwa ntchito zaboma
Kumathandiza kuzembetsa mankhwala osokoneza bongo/anthu, uchigawenga, ndi mikangano
Imawononga kukhulupirirana kwa anthu komanso mgwirizano pakati pa anthu

Kwa munthu payekha, umbava wazachuma umabweretsa mavuto akulu kwa ozunzidwa chifukwa chakuba zidziwitso, chinyengo, kulanda, ndi kutayika kwandalama.

Kuphatikiza apo, ndalama zodetsedwa zimalowa m'mabizinesi ambiri monga malo, zokopa alendo, zinthu zapamwamba, njuga, ndi zina zambiri. Kuyerekeza kukuwonetsa mpaka 30% yamabizinesi padziko lonse lapansi amawononga ndalama mwachinyengo. Kufalikira kwake kumafuna mgwirizano wapadziko lonse pakati pa maboma, mabungwe azachuma, owongolera, opereka ukadaulo, ndi ena omwe akuchita nawo ntchito kuti achepetse zoopsa.

Mitundu Yaikulu Yaupandu Wazachuma

Tiyeni tiwone mitundu ikuluikulu yaupandu wazachuma womwe ukukulitsa chuma chapadziko lonse lapansi.

Kusamba kwa Ndalama

The tingachipeze powerenga ndondomeko of kuchotsera ndalama ili ndi magawo atatu ofunika:

Kuyika - Kuyambitsa ndalama zosaloledwa m'dongosolo lalikulu lazachuma kudzera pa madipoziti, ndalama zamabizinesi, ndi zina.
Layering - Kubisa njira zandalama kudzera muzochitika zachuma zovuta.
Kuphatikiza - Kuphatikiza ndalama "zoyeretsedwa" kubwerera kuchuma chovomerezeka kudzera muzogulitsa, kugula zinthu zapamwamba, ndi zina.

Kusamba ndalama sichimangobisa ndalama zopezeka paupandu koma imatheketsa kuchitanso zaupandu. Mabizinesi atha kuyiyambitsa mosadziwa popanda kuzindikira.

Chifukwa chake, dziko lapansi anti-money laundering (AML) malamulo amalamula kuti azikakamizika kupereka malipoti ndi njira zotsatiridwa ndi mabanki ndi mabungwe ena kuti athe kuthana ndi kuba ndalama mwachinyengo. Next-gen AI ndi mayankho ophunzirira pamakina atha kuthandizira kuzindikira akaunti yokayikitsa kapena machitidwe opangira.

Chinyengo

Global zotayika kuti chinyengo chamalipiro yekha anaposa $ Biliyoni 35 mu 2021. Zachinyengo zamitundumitundu zimatengera luso laukadaulo, kuba zidziwitso, ndi uinjiniya wamagulu kuti athandizire kutumiza ndalama mosaloledwa kapena kupeza ndalama. Mitundu ikuphatikiza:

Chinyengo pa kirediti kadi
Chinyengo
Kusagwirizana kwa imelo ya bizinesi
Ma invoice abodza
Chinyengo chachikondi
Ponzi/pyramid schemes

Chinyengo chimaphwanya kukhulupirirana pazachuma, chimayambitsa mavuto kwa ozunzidwa, ndipo chimawonjezera mtengo kwa ogula ndi opereka ndalama mofanana. Kusanthula kwachinyengo ndi njira zowerengera ndalama zazamalamulo zimathandizira kuwulula zinthu zomwe zimakayikitsa kuti mabungwe azachuma ndi mabungwe otsatila malamulo afufuze.

“Upandu pazachuma ukuchulukirachulukira. Kuyatsa nyali pamakona ake amdima ndi sitepe yoyamba kuti muthe kuiphwasula.” - Loretta Lynch, wakale wa Attorney General waku US

Zigawenga

Kuukira kwa intaneti motsutsana ndi mabungwe azachuma kudakwera 238% padziko lonse lapansi kuyambira 2020 mpaka 2021. zandalama zapaintaneti ngati:

Crypto chikwama / kusinthana hacks
ATM jackpotting
Kirediti kadi skimming
Kubedwa zitsimikizo za akaunti yakubanki
Kuwomboledwa kwa dipo

Kutayika kwa umbava wapadziko lonse lapansi kumatha kupitilira $ 10.5 zankhaninkhani, pazaka zisanu zotsatira. Ngakhale chitetezo cha pa intaneti chikupitilirabe kukula, ozembera akadaulo amapanga zida ndi njira zotsogola zofikira anthu mosaloledwa, kuphwanya deta, kuwononga pulogalamu yaumbanda, ndi kuba ndalama.

Kutaya Misonkho

Kupewa misonkho padziko lonse lapansi komanso kuzemba kochitidwa ndi mabungwe ndi anthu okwera mtengo akuti kukuposa $500-600 biliyoni pachaka. Zovuta zapadziko lonse lapansi ndi malo amisonkho amathandizira vutoli.

Kupewera msonkho kumawononga ndalama zomwe anthu amapeza, kumawonjezera kusagwirizana, komanso kumawonjezera kudalira ngongole. Imaletsa ndalama zomwe zingapezeke zothandizira anthu onse monga zaumoyo, maphunziro, zomangamanga, ndi zina. Kugwirizana kwapadziko lonse lapansi pakati pa opanga mfundo, owongolera, mabizinesi, ndi mabungwe azachuma angathandize kuti misonkho ikhale yabwino komanso yowonekera.

Zolakwa Zowonjezera Zachuma

Mitundu ina yayikulu yaupandu wazachuma ndi:

Malonda amkati - Kugwiritsa ntchito molakwika zidziwitso zosagwirizana ndi anthu kuti apeze phindu pamsika
Ziphuphu/katangale -Kulimbikitsa zisankho kapena zochita pogwiritsa ntchito zolimbikitsa zachuma
Kuzemba zilango - Kuzungulira zilango zapadziko lonse lapansi kuti mupeze phindu
Zonama - Kupanga ndalama zabodza, zikalata, zinthu, ndi zina.
Kugulitsa - Kunyamula katundu/ndalama zosaloledwa kudutsa malire

Umbava wazachuma umalumikizana pafupifupi mitundu yonse ya zigawenga - kuyambira mankhwala osokoneza bongo komanso kuzembetsa anthu kupita ku uchigawenga ndi mikangano. Kusiyanasiyana kwakukulu ndi kukula kwa vutoli kumafuna kugwirizanitsa kwapadziko lonse.

Kenako, tiyeni tipende zochitika zaposachedwapa za umbanda wandalama padziko lonse.

Zochitika Zaposachedwa ndi Zotukuka

Umbava wazachuma ukupitilira kukula mopitilira muyeso komanso wothandizidwa ndiukadaulo. Makhalidwe akuluakulu ndi awa:

Kuphulika kwa Cybercrime - Kutayika kwa ransomware, kunyengerera maimelo abizinesi, zochitika zakuda zapaintaneti, ndi ziwembu zakuba zimathamanga mwachangu.

Kugwiritsa ntchito Cryptocurrency - Kugulitsa kosadziwika ku Bitcoin, Monero ndi ena kumathandizira kubera ndalama komanso ntchito zamisika yakuda.

Kuwonjezeka kwa Chinyengo cha Synthetic Identity -Azachinyengo amaphatikiza zidziwitso zenizeni ndi zabodza kuti apange zidziwitso zabodza zomwe sizingatheke kuti zitheke.

Kuwonjezeka Kwachinyengo kwa Malipiro a Pafoni - Chinyengo ndi zochitika zosaloleka zimakwera pamapulogalamu olipira monga Zelle, PayPal, Cash App, ndi Venmo.

Kutsata Magulu Ovuta - Onyenga amangoganizira za okalamba, othawa kwawo, osowa ntchito ndi anthu ena omwe ali pachiwopsezo.

Makampeni a Disinformation - "Nkhani zabodza" ndi nkhani zabodza zimasokoneza kukhulupirirana komanso kumvetsetsana.

Kukula Kwa Upandu Wachilengedwe - Kudula mitengo mwachisawawa, chinyengo cha ngongole ya carbon, kutaya zinyalala, ndi upandu wofanana ndi wa zachilengedwe ukuchulukirachulukira.

M'malo mwake, mgwirizano wapadziko lonse lapansi pakati pa mabungwe azachuma, owongolera, oyang'anira malamulo, ndi ogwira nawo ntchito zaukadaulo akupitilizabe "kuchoka kuthamangitsa milandu kupita kuwaletsa."

Udindo wa Mabungwe Ofunika Kwambiri

Mabungwe osiyanasiyana apadziko lonse lapansi akutsogolera zoyesayesa zapadziko lonse lapansi zolimbana ndi umbanda wazachuma:

Ntchito Yogwira Ntchito Zachuma (FATF) imakhazikitsa malamulo odana ndi kuba ndalama (AML) ndi njira zothanirana ndi uchigawenga zomwe zimakhazikitsidwa padziko lonse lapansi.
Ofesi ya UN pa Mankhwala Osokoneza Bongo ndi Upandu (UNODC) amapereka kafukufuku, chitsogozo, ndi chithandizo chaukadaulo kwa mayiko omwe ali mamembala.
IMF & World Bank kuunika dziko AML/CFT zomangira ndi kupereka thandizo kulimbikitsa luso.
InterPOL imathandizira mgwirizano wa apolisi kuti athane ndi umbanda wapadziko lonse lapansi pogwiritsa ntchito kusanthula kwanzeru ndi nkhokwe.
Europol imagwirizanitsa ntchito zogwirizanitsa mayiko omwe ali m'bungwe la EU polimbana ndi maulamuliro ophwanya malamulo.
Gulu la Egmont amalumikiza 166 National Financial Intelligence Units kuti agawane zambiri.
Komiti ya Basel Yoyang'anira Mabanki (BCBS) amapereka chitsogozo ndi chithandizo cha malamulo apadziko lonse lapansi ndi kutsata.

Pamodzi ndi mabungwe odutsa maboma, mabungwe oyendetsera dziko komanso osungitsa malamulo monga US Treasury's Office of Foreign Assets Control (OFAC), UK National Crime Agency (NCA), ndi Germany Federal Financial Supervisory Authority (BaFin), mabanki apakati a UAE, ndi ena amayendetsa zochitika zakomweko. yogwirizana ndi miyezo yapadziko lonse lapansi.

"Nkhondo yolimbana ndi umbanda wazachuma sikupambana ndi ngwazi, koma ndi anthu wamba omwe amagwira ntchito zawo mokhulupirika komanso modzipereka." - Gretchen Rubin, wolemba

Malamulo Ofunikira Ndi Kutsata

Malamulo amphamvu mothandizidwa ndi njira zotsogola zotsogola m'mabungwe azachuma amayimira zida zofunika kwambiri zochepetsera umbanda padziko lonse lapansi.

Malamulo a Anti-Money Laundering (AML) Regulations

Major malamulo oletsa kuwononga ndalama monga:

US Bank secrecy Act ndi PATRIOT Act
EU Malangizo a AML
UK ndi UAE Malamulo Owononga Ndalama
FATF malangizo

Malamulowa amafuna kuti mabizinesi awone zoopsa, anene zomwe akukayikitsa, kuchita makasitomala mosamala, ndi kukwaniritsa zina. kugwilizana udindo.

Polimbikitsidwa ndi zilango zokulirapo chifukwa chosatsatira, malamulo a AML akufuna kukweza kuyang'anira ndi chitetezo pazachuma padziko lonse lapansi.

Dziwani Malamulo a Makasitomala Anu (KYC).

Dziwani kasitomala wanu (KYC) ndondomeko zimakakamiza opereka chithandizo chandalama kuti atsimikizire makasitomala ndi magwero a ndalama. KYC ikadali yofunikira pakuzindikira maakaunti achinyengo kapena njira zandalama zolumikizidwa ndi umbanda wazachuma.

Ukadaulo womwe ukubwera monga kutsimikizira ID ya biometric, kanema wa KYC, ndi cheke chakumbuyo chodziwikiratu zimathandiza kuwongolera njira mosatetezeka.

Malipoti Okayikitsa Ntchito

Malipoti okayikitsa zochita (SARs) zimayimira zida zofunikira zowunikira ndi zolepheretsa polimbana ndi kuba ndalama. Mabungwe azachuma akuyenera kutumiza ma SAR pazokayikitsa komanso zochitika zamaakaunti kumagulu azachuma kuti afufuzenso.

Njira zowunikira zapamwamba zitha kuthandizira kuzindikira 99% yazinthu zovomerezeka ndi SAR zomwe sizimanenedwa pachaka.

Ponseponse, kugwirizanitsa mfundo zapadziko lonse lapansi, njira zotsogola zotsatiridwa, ndi kugwirizanitsa pakati pa anthu ndi zinsinsi zimalimbitsa kuwonekera kwachuma ndi kukhulupirika kudutsa malire.

Kugwiritsa Ntchito Ukadaulo Wolimbana ndi Zazachuma

Matekinoloje adzidzidzi amapereka mwayi wosintha masewera kuti athandizire bwino kupewa, kuzindikira, ndi kuyankha pamilandu yosiyanasiyana yazachuma.

AI ndi Kuphunzira Makina

Artificial Intelligence (AI) ndi makina kuphunzira ma aligorivimu amatsegula kuzindikirika kwachiwonetsero m'ma dataset akulu azachuma kuposa momwe anthu angathere. Ntchito zazikuluzikulu zikuphatikiza:

Malipiro achinyengo analytics
Kuzindikira kwa anti-ndalama
Kupititsa patsogolo chitetezo cha cybersecurity
Kutsimikizira kuti ndi ndani
Lipoti lokayikitsa lokha
Kuwonetsa zoopsa ndi kulosera

AI imawonjezera ofufuza a AML aumunthu ndi magulu otsatiridwa kuti awonetsetse bwino, chitetezo, ndikukonzekera njira zolimbana ndi zigawenga zachuma. Ikuyimira gawo lofunikira kwambiri pamibadwo yotsatira ya Anti-Financial Crime (AFC).

“Tekinoloje ndi lupanga lakuthwa konsekonse polimbana ndi umbanda pazachuma. Ngakhale zimabweretsa mwayi kwa zigawenga, zimatipatsanso mphamvu ndi zida zamphamvu zowatsata ndi kuwaletsa. ” - Mtsogoleri wamkulu wa Europol Catherine De Bolle

Kusanthula kwa blockchain

Maleja omwe amagawidwa poyera ngati Bitcoin ndi Ethereum blockchain thandizirani kutsata kayendetsedwe ka thumba kuti muwonetsetse kuti ndalama mwachinyengo, zachinyengo, zolipira zachiwombolo, ndalama zachigawenga, ndi zovomerezeka.

Makampani akatswiri amapereka zida zolondolera za blockchain ku mabungwe azachuma, mabizinesi a crypto, ndi mabungwe aboma kuti aziyang'anira mwamphamvu ngakhale ndi ndalama zachinsinsi zachinsinsi monga Monero ndi Zcash.

Biometrics ndi Digital ID Systems

otetezeka ukadaulo wa biometric monga zala zala, retina, ndi kuzindikira kumaso m'malo mwa ziphaso zotsimikizika zodalirika. Ma ID apamwamba a digito amapereka chitetezo champhamvu ku chinyengo chokhudzana ndi mbiri yanu komanso ngozi zowononga ndalama.

API Integrations

Tsegulani njira zolumikizirana ndi banki (APIs) yambitsani kugawana deta pakati pa mabungwe azachuma kuti aziwunikira maakaunti amakasitomala ndi zochitika. Izi zimachepetsa ndalama zotsatiridwa ndikuwonjezera chitetezo cha AML.

Kugawana Zambiri

Mitundu yodziwika bwino yaupandu wazachuma imathandizira kusinthana zinsinsi pakati pa mabungwe azachuma kuti alimbikitse kuzindikira zachinyengo pomwe akutsatira ndondomeko zachinsinsi za data.

Ndi kukula kochulukira mukupanga deta, kuphatikizira zidziwitso m'madatabase ambiri kumayimira kuthekera kofunikira pakuwunika zanzeru zapagulu ndi zachinsinsi komanso kupewa umbanda.

Njira Zothana Ndi Anthu Ambiri Pothana ndi Upandu Wazachuma

Njira zotsogola zaupandu wazachuma wazaka za m'ma 21 zimafuna mayankho ogwirizana pakati pa omwe akukhudzidwa padziko lonse lapansi:

Maboma & Opanga Ndondomeko

Coordinate regulatory alignmen and governance frameworks
Perekani zothandizira mabungwe oyang'anira zachuma
Thandizani maphunziro azamalamulo komanso kulimbikitsa luso

Mabungwe azachuma

Sungani mapulogalamu omvera (AML, KYC, kuyang'anira zilango, etc.)
Fayiloni malipoti okayikira zochita (SARs)
Limbikitsani kusanthula kwa data ndikuwongolera zoopsa

Othandizira Technology

Perekani ma analytics apamwamba, biometrics, nzeru za blockchain, kuphatikiza deta, ndi zida za cybersecurity

Oyang'anira Zachuma & Oyang'anira

Khazikitsani ndi kulimbikitsa zomwe zingachitike pa AML/CFT potsatira malangizo a FATF
Gwirizanani modutsa malire kuti muthetse ziwopsezo zachigawo

Mabungwe Othandizira Malamulo

Atsogolereni ku kafukufuku wovuta komanso kuimbidwa milandu
Letsani thandizo la zigawenga komanso maukonde ophwanya malamulo padziko lonse lapansi

Mayiko Akunja

Kuwongolera kugwirizanitsa kwapadziko lonse lapansi, kuwunika, ndi chitsogozo chaukadaulo
Limbikitsani maubwenzi ndi mphamvu zogwirira ntchito pamodzi

Njira zowonjezereka zaupandu zachuma ziyenera kugwirizanitsa ndondomeko ndi malamulo apadziko lonse lapansi ndi kukhazikitsidwa kwa dziko, kulimbikitsa mabungwe a boma, ndi kutsatiridwa kwa mabungwe apadera.

Kuthekera kwatsopano pakuphatikiza deta, kusanthula zenizeni zenizeni, ndi luntha lokwezedwa ndi AI kumapangitsa kuti zidziwitso zitheke pazambiri zambiri kuti athe kulosera m'malo mochitapo kanthu motsutsana ndi chinyengo chambiri, ukadaulo woba, kulowerera pa intaneti, ndi zolakwa zina.

The Outlook for Financial Crime

Ngakhale kuti nthawi yaukadaulo imabweretsa mwayi watsopano wogwiritsa ntchito masuku pamutu, imasinthanso malingaliro kuti asokonezedwe ndi kuyankha mwachangu motsutsana ndi zigawenga zomwe zakhazikika.

Pokhala ndi zidziwitso zokwana 8.4 biliyoni padziko lonse lapansi pofika chaka cha 2030, kutsimikizira zidziwitso ndi gawo lomwe likukulirakulira popewa chinyengo. Pakadali pano, kufufuza kwa cryptocurrency kumapereka mawonekedwe owoneka bwino mumithunzi yakuda kwambiri.

Komabe monga AI ndi mgwirizano wapadziko lonse lapansi umachotsa malo omwe kale anali akhungu, zigawenga zimasinthiratu njira ndikusamukira kumalo atsopano. Kutha kuzindikira ma vectors atsopano ndi njira zolumikizirana ndi digito zimakhalabe zofunika.

Pamapeto pake, kuchepetsa umbanda pazachuma kumafuna kuyang'anira, ukadaulo, ndi mayanjano apadziko lonse lapansi kuti athe kukhulupirika pazachuma padziko lonse lapansi. Njira zolonjezedwa zikuwonetsa kuti zowongolera ndi chitetezo zikuyenda bwino, ngakhale njira yopita ku umphumphu wokhazikika imalonjeza ma pivots ambiri ndi kukweza zaka zikubwerazi.

Muyenera Kudziwa

Umbava wazachuma umayambitsa mavuto padziko lonse lapansi kudzera munjira zachuma, zachikhalidwe, ndi ndale. Komabe, kulumikizana kolimba pakati pa magawo aboma ndi achinsinsi omwe amayang'ana kwambiri kuwonekera, ukadaulo, kusanthula, mfundo, ndi mgwirizano kumapangitsa kupindula kosasintha motsutsana ndi zofuna za osewera omwe amagwiritsa ntchito mipata yaulamuliro kuti apeze phindu losaloledwa.

Ngakhale kuti nyundo yozenga mlandu ikadali yofunika, kupewa ndikwabwino kuposa kuchiza pochepetsa zolimbikitsa komanso mwayi woti umbanda wazachuma uzika mizu m'mabanki, misika, ndi malonda padziko lonse lapansi. Zofunika kwambiri zikupitirizabe kulimbikitsa kukhulupirika, kuwongolera chitetezo, kugwirizanitsa deta, kusanthula kwa m'badwo wotsatira, ndikukhala tcheru pamodzi motsutsana ndi zoopsa zomwe zikuchitika.

Upandu wazachuma upitilirabe ngati dera lamavuto popanda yankho lililonse. Komabe kuchuluka kwake kwa madola thililiyoni ndi zovulaza zitha kuchepetsedwa kwambiri chifukwa cha mgwirizano wapadziko lonse lapansi. Kupita patsogolo kwakukulu kumachitika tsiku ndi tsiku pakuzindikira njira, kutseka kolowera, ndi kuunikira njira zazithunzi pagulu lazachuma lapadziko lonse lapansi.

Kutsiliza: Kudzipereka ku Marathon motsutsana ndi Crime's Sprint

Umbava pazachuma udakali vuto pazachuma, ndalama za boma, ntchito za boma, ufulu wa anthu, mgwirizano wamagulu, komanso bata la mabungwe padziko lonse lapansi. Komabe, mgwirizano wodzipatulira pakati pa anthu ndi wabizinesi womwe umangoyang'ana kuwonekera, kuyankha, kutengera luso laukadaulo, ndi mgwirizano wapadziko lonse lapansi zimapindula mosasinthika motsutsana ndi kufalikira kwake.

Udindo wolimbitsa malipoti, kutsata kwa blockchain, ma ID a biometric ID, kuphatikiza ma API, ndi kusanthula kokwezeka kwa AI kumalumikizana pakuwoneka ndi chitetezo pazofunikira zonse zachuma. Ngakhale kuti osewera achipongwe amadumphadumpha m'mipata, kukhulupirika kwakukulu ndi kudzipereka kwapagulu kuliponse mu mpikisanowu motsutsana ndi katangale wa njira zofunika zachuma.

Kudzera muulamuliro wakhama, kasamalidwe ka deta, ndondomeko zachitetezo, ndi kasamalidwe kabwino mabungwe azachuma, owongolera ndi othandizana nawo amalimbikitsa thanzi lazachuma la anthu motsutsana ndi zigawenga zomwe zimangofuna kupeza phindu.