Mhosva yemari inoreva zvisiri pamutemo zvinosanganisira kutengeserana kwemari kwechitsotsi kana kuti kusavimbika kuti munhu awane mari. Iyo yakaoma uye inowedzera zvepasi rose nyaya inogonesa mhosva dzakadai kubira mari, kupa mari yemagandanga, nezvimwe. Gwaro iri rakazara rinoongorora zvakakomba zvinotyisa, inosvika kure izvi, zvazvino Maitiro, uye inoshanda zvakanyanya zvingaitwa kurwisa hutsotsi hwemari pasi rose.

Chii chinonzi Financial Crime?

Mhosva dzemari inosanganisira chero mhosva dzisiri pamutemo zvinosanganisira Kuwana mari kana pfuma kuburikidza nekunyengera kana kubiridzira. Zvikamu zvikuru zvinosanganisira:

Money laundering: Kuvanza mavambo uye kufamba kwe mari isiri pamutemo kubva mabasa ehutsotsi.
Kunyengera: Kunyengedza mabhizimisi, vanhu, kana hurumende kuti vawane mari kana zvinhu zvisiri pamutemo.
Cybercrime: Tekinoroji-inogonesa kuba, kubiridzira, kana humwe hutsotsi hwepurofiti yemari.
Insider kutengesa: Kushandisa zvisizvo ruzivo rwekambani yakazvimirira kuwana purofiti yemusika wemasheya.
Chiokomuhomwe/huori: Kupa zvinokurudzira semari kupesvedzera maitiro kana sarudzo.
Kubvisa mutero: Kwete kuzivisa mari yekudzivisa zvisiri pamutemo kubhadhara mutero.
Mari yemagandanga: Kupa mari yekutsigira pfungwa dzehugandanga kana zviitiko.

siyana-siyana nzira dzisiri pamutemo batsira kuvanza muridzi wechokwadi kana mabviro e mari nezvimwe assets. Mhosva dzemari dzinogonesawo mhosva dzakakomba sekutengesa zvinodhaka, kutengeswa kwevanhu, kubiridzira, nezvimwe. Types of betment sekubatsira, kufambisa kana kurangana kupara mhosva dzemari idzi hazvisi pamutemo.

Tekinoroji dzakaomarara uye kubatana kwepasi rose kunoita kuti hutsotsi hwemari hubudirire. Nekudaro, yakatsaurirwa pasi rose masangano ari kufambira mberi akabatanidzwa zvingaitwa kurwisa dambudziko rematsotsi iri zvakanyanya kupfuura nakare kose.

The Immense Scale of Financial Crime

Mhosva dzemari dzapinda mupasi rose upfumi. The Hofisi yeUnited Nations pamusoro pezvinodhaka uye mhosva (UNODC) inofungidzira mwero wayo wose pa 3-5% yeGDP yenyika, inomiririra hukuru US$800 bhiriyoni kusvika $2 trillion ichiyerera nemumigero yakasviba gore negore.

Global anti-money laundering watchdog, the Mari Yekuita Task Force (FATF), inoshuma kuti kubiridzira kwemari chete kunokwana $1.6 trillion pagore, yakaenzana ne2.7% yeGDP yepasi rose. Zvichakadaro, nyika dzichiri kusimukira dzinogona kurasikirwa nepamusoro $1 trillion pagore zvakasanganiswa nekuda kwekunzvenga mutero wekambani uye kunzvenga.

Zvakadaro nyaya dzakaonekwa dzinogona kumiririra chikamu chidiki chezviitiko zvehutsotsi hwemari pasi rese. Interpol inoyambira kuti zvishoma se1% yekubira mari pasi rose uye mari yemagandanga inogona kufukurwa. Tekinoroji kufambira mberi muAI uye hombe data analytics inopa tariro yekuvandudza mareti ekuona. Zvisinei, utsotsi hwemari hunoratidzika kuva hucharamba huchibhadhara zvikuru $900 bhiriyoni kusvika $2 trillion pasi pevhu indasitiri kwamakore anouya.

Mune zvimwe zviitiko, munhu mumwe nomumwe anogona kutarisana Mhosva Dzenhema pamhosva dzemari dzavasina kupara. Kuve negweta rine ruzivo rwekudzivirira mhosva kunogona kuve kwakakosha kuchengetedza kodzero dzako kana uchipomerwa mhosva dzenhema.

Magweta UAE Nhungamiro yeCriminal Law inogona kupa ruzivo rwakakosha mukufambisa kuomesesa kwepamutemo kwakatenderedza mhosva dzemari, kuve nechokwadi chekunzwisisa kwakadzama uye kutevedza kumitemo nemirau yakakodzera.

Nei Mhosva Yezvemari Iine Basa?

Hukuru hwehutsotsi hwemari hunoenzana ne matambudziko makuru enyika:

Kusagadzikana kwehupfumi uye kuderera kwebudiriro
Kusaenzana kwemari/kugarisana uye hurombo hwakati
Kuderedzwa kwemitero yemitero kunoreva kushomeka kwemabasa eruzhinji
Inogonesa kutengeswa kwezvinodhaka/vanhu, hugandanga, nekunetsana
Inobvisa kuvimbana kwevanhu uye kubatana kwevanhu

Padanho remunhu, hutsotsi hwemari hunokonzera kushushikana kwakanyanya kune vanobatwa kuburikidza nekubirwa zvitupa, hutsotsi, humbavha, uye kurasikirwa kwemari.

Uyezve, mari yakasvibiswa inopinda muzviitiko zvebhizinesi senge zvivakwa, kushanya, zvinhu zveumbozha, kubhejera, nezvimwe. Kufungidzira kunoratidza kusvika makumi matatu muzana emabhizinesi pasi rose ane ruzivo rwekubiridzirwa kwemari. Kutekeshera kwayo kunoda kudyidzana kwepasirese pakati pehurumende, masangano ezvemari, vatongi, vanopa tekinoroji, uye vamwe vane chekuita kuti vaderedze njodzi.

Mafomu Makuru Emhosva Yemari

Ngationgororei mamwe mahombe ehutsotsi hwemari hunokuchidzira hupfumi hwenyika.

Money laundering

The classic process of kubvisirwa mari inosanganisira matanho matatu akakosha:

Kuisa – Kusuma mari isiri pamutemo muhurongwa hwemari hwepamusoro kuburikidza nemadhipoziti, mari dzebhizinesi, nezvimwe.
Layering - Kuvanza nzira yemari kuburikidza nekuita kwemari kwakaoma.
Kubatanidzwa - Kubatanidza mari "yakacheneswa" kudzoka muhupfumi huri pamutemo kuburikidza nekudyara, kutenga kweumbozha, nezvimwe.

Money laundering haingovanzi chete mibairo youtsotsi asi inogonesa mamwe mabasa outsotsi. Mabhizinesi anogona kuzvigonesa asingazivi.

Naizvozvo, pasi rose anti-money laundering (AML) mitemo inorayira zvisungo zvekumhan'ara zvakasimba uye nzira dzekutevedzera dzemabhanga nemamwe masangano kurwisa kubiwa kwemari zvisiri pamutemo. Inotevera-gen AI uye mhinduro yemuchina inogona kubatsira kuona otomatiki yeakaundi inofungirwa kana maitiro ekutengesa.

Kunyengera

Global kurasikirwa kuti kubhadhara mari ndega yakapfuura $ 35 bhiriyoni muna 2021. Hutsotsi hwakasiyana-siyana hunowedzera tekinoroji, kuba zvitupa, uye mainjiniya emagariro kuitira kuti mari ifambiswe zvisiri pamutemo kana kuwana mari. Mhando dzinosanganisira:

Kubiridzira kadhi rechikwereti/chikwereti
Phishing scams
Bhizinesi email kukanganisa
Ma invoice emanyepo
Romance scams
Ponzi/pyramid schemes

Kubiridzira kunotyora kuvimba kwemari, kunokonzeresa kushushikana kwevanobatwa, uye kunowedzera mutengo kune vatengi nevapei vezvemari zvakafanana. Hutsotsi analytics uye forensic accounting matekiniki anobatsira kufumura zviitiko zvinofungirwa kuti zvienderere mberi nekuferefetwa nemasangano ezvemari uye vezvemitemo.

“Mhosva dzemari dziri kuwedzera mumumvuri. Kuvheneka mwenje pamakona ayo ane rima ndiro danho rekutanga pakuiparadza.” - Loretta Lynch, aimbova Gweta Guru reUS

Cybercrime

Kurwiswa kweCyberattack kurwisa masangano emari kwakawedzera 238% pasi rose kubva 2020 kusvika 2021. Kukura kwemari yedhijitari kunowedzera mikana yekugonesa tekinoroji. utsotsi hwemari like:

Crypto wallet / exchange hacks
ATM jackpotting
Kadhi rechikwereti skimming
Kubiwa kwezvitupa zveakaundi yekubhanga
Rhlengware kurwisa

Kurasikirwa kwepasi rose cybercrime kunogona kudarika $ 10.5 tiririyoni mumakore mashanu anotevera. Nepo dziviriro dzepa cyber dzichiramba dzichivandudzwa, matsotsi ane hunyanzvi anovandudza maturusi akawandisa uye nzira dzekuwana zvisina mvumo, kutyora data, kurwiswa nemarware, uye kuba mari.

Tax Evasion

Kunzvenga mutero kwepasi rose uye kunzvenga nemakambani nevanhu vane mari yepamusoro vanonzi vanodarika $ 500-600 mabhiriyoni pagore. Maburi epasi rose akaomesesa nenzvimbo dzemitero zvinofambisa dambudziko.

Kubvisa mutero inobvisa mihoro yeruzhinji, inowedzera kusaenzana, uye inowedzera kuvimba nechikwereti. Iyo nokudaro inorambidza mari inowanikwa yeakakosha masevhisi eruzhinji senge hutano, dzidzo, zvivakwa, nezvimwe. Kuvandudzwa kwekudyidzana kwepasirese pakati pevagadziri vemitemo, vatongi, mabhizinesi, uye masangano ezvemari anogona kubatsira kuita kuti masystem emitero ave akajeka uye awedzere kujeka.

Kuwedzera Mhosva dzeMari

Mamwe maitiro makuru ehutsotsi hwemari anosanganisira:

Insider kutengesa -Kushandisa zvisizvo ruzivo rusiri rweruzhinji kuwana purofiti yemusika
Chiokomuhomwe/huori -Kupesvedzera sarudzo kana zviitiko kuburikidza nemari yekukurudzira
Kunzvenga zvirango -Kutenderedza zvirango zvepasirese kuitira purofiti
Kukanganisa -Kugadzira mari yemanyepo, zvinyorwa, zvigadzirwa, nezvimwe.
Kusvuta - Kutakura zvinhu zvisiri pamutemo / mari kuyambuka miganhu

Mhosva dzemari dzinodyidzana nemhando dzese dzezviito zveutsotsi - kubva kune zvinodhaka zvisiri pamutemo uye kutengeswa kwevanhu kuenda kuhugandanga nekunetsana. Kusiyana-siyana uye kukura kwedambudziko kunoda kuti pave nemhinduro yakarongeka yepasi rose.

Tevere, ngatinzverei mamwe ezvinozvino muutsotsi hwezvemari kupota nyika.

Mazuvano Trends uye Developments

Mhosva dzemari dziri kuramba dzichikura zvakanyanya uye nekugonesa tekinoroji. Mafambiro akakosha anosanganisira:

Kuputika kweCybercrime -Kurasikirwa kune ransomware, bhizinesi email kukanganisa, rima webhu zviitiko, uye nekubira kurwiswa kunowedzera nekukurumidza.

Cryptocurrency Kushandiswa -Kutengeserana kusingazivikanwe muBitcoin, Monero nevamwe vanogonesa kubira mari uye zviitiko zvemusika mutema.

Synthetic Identity Fraud Rise -Matsotsi anosanganisa magwaro chaiwo uye emanyepo kuti vagadzire manyepo asingarondedzereki ehutsotsi.

Mobile Payment Fraud Kuwedzera -Scams uye kutengeserana kusingatenderwe kunokwira pamaapplication ekubhadhara seZelle, PayPal, Cash App, uye Venmo.

Kutariswa Kwemapoka Anotambura - Scammers inowedzera kutarisa kune vakwegura, vanobva kune dzimwe nyika, vasingashandi uye vamwe vanhu vanotambura.

Mishandirapamwe yeDisinformation - "Nhau dzenhema" uye nganonyorwa dzinokanganisa kuvimba munharaunda uye kunzwisisa kwakagovana.

Kukura Kwehutsotsi Hwezvakatipoteredza - Kutemwa kwemasango zvisiri pamutemo, hutsotsi hwekabhoni, kuraswa kwemarara, nehutsotsi hwepamhepo hwakafanana huri kuwanda.

Pane zvakanaka, kubatana kwepasirese pakati pemasangano ezvemari, vatongi, vezvemitemo, uye vanobatana navo tekinoroji kuri kuramba kuchiwedzera kubva "kubva pakudzingirira mhosva kuenda kudzidzivirira."

Mabasa eMasangano Akakosha

Miti yakasiyana-siyana yepasi rose inotungamira kuedza kwepasi rose kurwisa hutsotsi hwemari:

Mari Yekuita Task Force (FATF) inoseta anti-money laundering (AML) uye mipimo yekutsigira ugandanga mari yakagamuchirwa pasi rose.
Hofisi yeUN pamusoro pezvinodhaka & mhosva (UNODC) inopa tsvakiridzo, nhungamiro, uye rubatsiro rwehunyanzvi kunhengo dzenhengo.
IMF & World Bank ongorora nyika AML/CFT masisitimu uye kupa rutsigiro rwekuvaka kugona.
InterPOL inofambisa mushandirapamwe wemapurisa kurwisa hutsotsi hwepasi rose kuburikidza nekuongorora kwehungwaru uye dhatabhesi.
Europol inoronga mashandiro akabatana pakati penyika dziri nhengo dzeEU vachipesana nehurongwa hwematsotsi.
The Egmont Group inobatanidza 166 National Financial Intelligence Units yekugovana ruzivo.
Komiti yeBasel inoona nezvemabhengi ekutarisa (BCBS) inopa hutungamiri uye tsigiro yemitemo yepasi rose uye kutevedza.

Padivi pematare ehurumende, masangano anodzora nyika uye ekuchengetedza mutemo seUS Treasury's Office of Foreign Assets Control (OFAC), UK National Crime Agency (NCA), neGerman Federal Financial Supervisory Authority (BaFin), UAE mabhanga epakati, uye vamwe vanotyaira zviitiko zvemuno. zvinoenderana nemitemo yenyika.

"Kurwisa mhosva dzemari hakukundwe nemagamba, asi nevanhuwo zvavo vanoita mabasa avo nekuvimbika uye nekuzvipira." – Gretchen Rubin, munyori

Crucial Regulations uye Kutevedza

Mitemo yakasimba inotsigirwa nemaitiro ekuteedzera epamberi mukati memasangano emari inomiririra maturusi akakosha ekudzikisa hutsotsi hwemari pasi rose.

Anti-Money Laundering (AML) Regulations

Major anti-mari laundering mirau dzinosanganisira:

US Bank Bank Chengetedzo uye PATRIOT Act
EU AML Directives
UK uye UAE Mitemo Yekubira Mari
FATF Mazano

Mitemo iyi inoda kuti mafemu aongorore njodzi, ataure zvekufungidzira, kuita mutengi kushingairira, uye kuzadzisa zvimwe. kutevedzera zvisungo.

Yakasimbiswa nezvirango zvakakura zvekusatevedzera, mirau ye AML ine chinangwa chekusimudzira tarisiro nechengetedzo muhurongwa hwemari hwepasi rose.

Ziva Mutengi Wako (KYC) Mitemo

Ziva mutengi wako (KYC) maprotocol anomanikidza vanopa masevhisi emari kuti vaone kuzivikanwa kwevatengi uye kwakabva mari. KYC inoramba yakakosha pakuona maakaundi echitsotsi kana nzira dzemari dzakasungirirwa nehutsotsi hwemari.

Tekinoroji dziri kusimukira senge biometric ID verification, vhidhiyo KYC, uye otomatiki kumashure cheki inobatsira kukwenenzvera maitiro zvakachengeteka.

Suspicious Activity Reports

Suspicious chiitiko mishumo (SARs) inomiririra maturusi akakosha ekuona uye kudzivirira mukurwisa kubiwa kwemari. Masangano emari anofanirwa kuisa maSAR pane zvisina mubvunzo zvekutengeserana uye zviitiko zveakaunti kumayuniti ehungwaru hwemari kuti uwedzere kuferefetwa.

Yepamberi analytics matekiniki anogona kubatsira kuona iyo inofungidzirwa 99% yeSAR-yakatenderwa zviitiko izvo zvinoenda zvisina kutaurwa pagore.

Pakazere, kurongeka kwemitemo yepasirese, nzira dzekuteedzera dzepamusoro, uye kupindirana kweveruzhinji-yakavanzika kunosimbisa kujeka kwemari uye kuvimbika kumiganhu.

Kubata Tekinoroji Kurwisa Mhosva Yemari

Emergent matekinoroji anopa mikana yekushandura mitambo yekuvandudza zvinoshamisa kudzivirira, kuona, uye mhinduro maererano nemhosva dzakasiyana siyana dzemari.

AI uye Machine Kudzidza

Artificial intelligence (AI) uye machine learning maalgorithms anovhura maitiro ekuonekwa mukati mehombe dzemari datasets kupfuura kugona kwevanhu. Zvikumbiro zvakakosha zvinosanganisira:

Payment fraud analytics
Kuonekwa kweAnti-money laundering
Cybersecurity kuwedzera
Kuzivikanwa kwechiratidzo
Automated kufungira reporting
Risk modelling uye kufanotaura

AI inowedzera vaongorori veAML yevanhu uye zvikwata zvekuteerera zvekutarisa kwepamusoro, kudzivirira, uye kuronga kwehungwaru kurwisa matsotsi emari network. Inomiririra chikamu chakakosha chechizvarwa chinotevera Anti-Financial Crime (AFC) zvivakwa.

“Tekinoroji imunondo unocheka kumativi maviri mukurwisa hutsotsi hwemari. Kunyange zvichigadzira mikana mitsva yematsotsi, zvinotipawo simba nemidziyo ine simba yekuvatevera nekuvamisa. " - Mutungamiriri Mukuru weEuropol Catherine De Bolle

Blockchain Ongororo

Maleja akagoverwa pachena pachena se Bitcoin uye Ethereum blockchain kugonesa kuronda mafambiro ehomwe kuti vaone kubira kwemari, hutsotsi, kubhadharwa kweransomware, mari yemagandanga, uye kutengeserana kwakatenderwa.

Mafemu ehunyanzvi anopa maturusi ekutevera e blockchain kumasangano emari, mabhizinesi e crypto, uye masangano ehurumende kuti atarise zvakanyanya kunyangwe nekuvanzika-yakatarisana cryptocurrencies seMonero neZcash.

Biometrics uye Digital ID Systems

akachengeteka biometric tekinoroji sezvigunwe, retina, uye kuzivikanwa kwechiso zvinotsiva mapasscode ekuvimbika kwekuzivikanwa. Yepamberi yedhijitari ID masisitimu inopa dziviriro yakasimba kubva mukubiridzira kwakanangana nekuzivikanwa uye njodzi dzekubira mari.

API Integrations

Vhura banking application programming interfaces (APIs) gonesa otomatiki kugovana data pakati pemasangano ezvemari kuti atarise-yesangano rekutarisa maakaundi evatengi uye kutengeserana. Izvi zvinoderedza mitengo yekuteerera uku uchiwedzera kudzivirira kwe AML.

Kugovana Ruzivo

Datatypes dzakatsaurirwa dzeutsotsi hwemari dzinogonesa kupanana ruzivo rwechakavanzika pakati pemasangano ezvemari kusimbisa kucherechedzwa kwekubiridzira uku uchiomerera kune yakasimba data kuvanzika protocol.

Nekukura kwakakura mukugadzira data, kubatanidza zviono padhatabhesi rakakura rinomiririra kugona kwakakosha kwekuongorora hungwaru hweveruzhinji-yakavanzika uye kudzivirira kuparwa kwemhosva.

Multi-Stakeholder Strategies Kurwisa Mhosva dzeMari

Nzira dzakaomarara dzemakore makumi maviri nerimwe ehutsotsi hwemari dzinoda mhinduro dzekubatana pakati pevatambi vepasirese vakasiyana:

Hurumende & Vagadziri vePolisi

Coordinate regulatory alignmen uye hurongwa hwekutonga
Ipa zviwanikwa kune masangano anoona nezvezvemari
Tsigira kudzidziswa kwemitemo uye kuvaka kugona

Masangano Emari

Chengetedza zvirongwa zvekuteerera zvakasimba (AML, KYC, zvirango zvekuongorora, nezvimwewo)
Faira zvishumo zvekufungira chiitiko (SARs)
Wedzera data analytics uye njodzi manejimendi

Sravana Sameeralu Serial XNUMXth Technology Partners

Ipa ma analytics epamberi, biometrics, blockchain njere, kusanganisa data, uye cybersecurity maturusi.

Vezvemari Regulators & Supervisors

Seta uye simbisa njodzi-yakavakirwa AML/CFT zvisungo pane FATF nhungamiro
Batiranai mhiri kwemiganhu kugadzirisa dambudziko redunhu

Mutemo Wekusimbisa Maitiro

Tungamira kuferefeta kwakaoma uye kupomera mhosva
Dzima mari yehugandanga uye network dzepasi rose

International Organisations

Fambisa kurongeka kwepasirese, kuongorora, uye kutungamira kwehunyanzvi
Kurudzira kudyidzana uye kugona pamwe chete

Mazano akazara ehutsotsi hwemari anofanirwa kuwiriranisa marongero nemirau yepasirese nekuita kwenyika, kuteedzerwa kwebato reveruzhinji, uye kutevedzera vega.

Hutsva hutsva hwekubatanidza data, chaiyo-nguva analytics, uye AI-yakakwidziridzwa hungwaru inoburitsa zvinobatika muruzivo rwakakura runoyerera kuitira kugonesa kufanotaura kwete kuita zviito zvinopesana nemakumi ezviuru ehutsotsi typologies, nzira dzekubira, cyber intrusions, uye dzimwe mhosva.

The Outlook for Financial Crime

Kunyange nguva yetekinoroji ichiunza mikana mitsva yekushandiswa, inoshandurawo paradigm kuenda kune yekuvhiringidza inotarisana nemhinduro yekupokana nematsotsi akadzika midzi.

Nekuzivikanwa mabhiriyoni 8.4 pasi rose panosvika 2030, ongororo yezvitupa inomiririra danho riri kuramba richikura rekudzivirira hutsotsi. Zvichakadaro, cryptocurrency tracing inopa kujeka kuoneka murima rakasviba rekutengeserana mimvuri.

Asi sezvo AI uye kubatana kwepasirese kunobvisa aimbova mapofu mavara, mhete dzematsotsi dzinogara dzichichinja maitiro uye dzinotamira kunzvimbo nyowani. Iko kugona kudhidha mitsva yekurwisa mavector uye yemuviri-yedhijitari mharadzano inoramba yakakosha.

Pakupedzisira, kudzikisira hutsotsi hwemari kunoda kutarisisa, tekinoroji, uye kudyidzana nedzimwe nyika kuti kugonese kuperera mukuyerera kwemari yepasirese. Matanho anovimbisa anoratidza kudzora uye chengetedzo nharaunda zviri kuita nani, kunyangwe nzira inoenda kune yakajairika kuvimbika inovimbisa mapivots akawanda uye kukwidziridzwa mumakore anotevera.

The Bottom Line

Mhosva dzemari dzinokuchidzira kukuvadzwa kwepasi rose kuburikidza nehupfumi, magariro, zvematongerwo enyika. Zvakadaro, kusimbaradza kwakasimba pakati penzvimbo dzeveruzhinji nedzakavanzika dzakanangana nekujeka, tekinoroji, analytics, mutemo, uye kubatana kunofambisa budiriro isingachinjiki ichipokana nezvido zvevatambi izvo zvinoshandisa mikaha yeutongi kuwana purofiti isiri pamutemo.

Nepo sando yemuchuchisi ichiramba yakakosha, kudzivirira kuri nani pane kurapa mukuderedza kurudziro nemikana yekuti utsotsi hwemari hudzike midzi mumabhanga, misika, uye zvikamu zvekutengesa pasi rese. Zvinonyanya kukosha zvinoramba zvichisimbisa kuvimbika, zvidzoreso zvekuchengetedza, kubatanidza data, chizvarwa chinotevera analytics, uye pamwe chete kusvinura kubva kutyisidzira.

Mhosva dzemari dzinogona kuramba dzichienderera sedambudziko redunhu pasina mhinduro yekupedzisira. Zvakadaro zviyero zvemadhora emadhora uye kukuvadza zvinogona kudzikiswa zvakanyanya kuburikidza nekudyidzana kwepasirese. Kufambira mberi kwakakosha kunoitika zuva nezuva mukuona mapatani, kuvhara maburi, uye kuvhenekera nzira dzemumvuri mugedhi rezvemari repasi rose.

Mhedziso: Kuzvipira kuMarathon kunopesana neCrime's Sprint

Mhosva dzemari dzinoramba dziri dambudziko pahupfumi, mihoro yehurumende, mabasa eruzhinji, kodzero dzemunhu, kubatana kwevanhu, uye kugadzikana kwemasangano pasi rese. Nekudaro, kudyidzana kwakazvitsaurira kweveruzhinji-yakavanzika kwakanangana nekujeka, kuzvidavirira, kutora tekinoroji, uye kurongeka kwepasirese kunoita budiriro inowirirana mukupararira kwayo.

Yakasimbiswa yezvisungo zvekuzivisa, blockchain yekutevera zviga, biometric ID masisitimu, API kubatanidzwa, uye AI-inosimudzira analytics inobatana pakuonekwa uye kuchengetedzeka pane zvakakosha zvehupfumi zvivakwa. Nepo vatambi vanonyomba vachimhanya nemumaburi, kutendeseka kwakadzama uye kuzvipira kwakabatana kunokunda munhangemutange iyi vachipesana nehuwori hwemaitiro akakosha ehupfumi.

Kuburikidza nehurongwa hwehutongi hune hushingi, hutungamiriri hwedata hune hungwaru, zvitevedzwa zvekuchengetedza, uye nzira dzekutarisa masangano ezvemari, vanodzora uye vanodyidzana vanosimudzira hutano hwemari hwenharaunda kune tsotsi rinoda kuita purofiti.