Tlōlo ea Molao ea Lichelete: Kotsi ea Lefatše

Botlokotsebe ba lichelete bo bua ka diketso tse seng molaong e kenyeletsang dikgwebo tsa bomenemene tsa ditjhelete kapa botshepehi bakeng sa ho ithuisa lichelete. Ke boemo bo matla le bo ntseng bo mpefala lefatše taba e nolofalletsang litlolo tsa molao tse kang ho qhekella ha chelete, lichelete tsa likhukhuni, le ho feta. Tataiso ena e pharaletseng e hlahloba tse tebileng litšokelo, e fihlang hole tshusumetso, tsa moraorao mekhoa, 'me e atlehang ka ho fetisisa litharollo bakeng sa ho loantša botlokotsebe ba lichelete lefatšeng ka bophara.

Tlōlo ea Molao ea Lichelete ke Eng?

Tlōlo ea molao ea lichelete e akaretsa efe kapa efe melato e seng molaong e kenyeletsang Ho fumana chelete kapa thepa ka thetso kapa bomenemene. Lihlopha tse kholo li kenyelletsa:

  • Phokotso ea chelete: Ho ikhakanya tšimoloho le motsamao oa lichelete tse seng molaong ho tloha diketso tsa botlokotsebe.
  • Ho qhekella: Ho thetsa likhoebo, batho ka bomong, kapa mebuso bakeng sa phaello ea lichelete kapa thepa e seng molaong.
  • Boitsebiso ba Cybercrime: Bosholu, bomenemene, kapa botlokotsebe bo bong bo sebelisoang ke thekenoloji bakeng sa phaello ea lichelete.
  • Khoebo ea ka hare: Ho sebelisa hampe lintlha tsa khamphani ea poraefete bakeng sa phaello ea 'maraka oa setoko.
  • Tjotjo/bobodu: Ho fana ka likhothaletso joalo ka chelete ho susumetsa boitšoaro kapa liqeto.
  • Phokotso ea lekhetho: Ho se phatlalatse chelete e kenang ho qoba ho lefa lekhetho ntle le molao.
  • Lichelete tsa likhukhuni: Ho fana ka lichelete ho tšehetsa likhopolo kapa mesebetsi ea bokhukhuni.

sa tšoaneng mekhoa e seng molaong thusa ho pata botho kapa semelo sa nnete sa chelete le tse ling tse thepa. Litlōlo tsa molao tsa lichelete li boetse li etsa hore ho be le litlōlo tse tebileng tsa molao tse kang ho rekisa lithethefatsi, ho rekisa batho, ho mokola le tse ling. Mefuta ea ho ikoetlisa joalo ka ho thusa, ho tsamaisa kapa ho rera ho etsa litlolo tsena tsa lichelete ha ho molaong.

Theknoloji e tsoetseng pele le khokahanyo ea lefats'e li etsa hore tlōlo ea molao ea lichelete e atlehe. Leha ho le joalo, e inehetse lefatšeng ka bophara mekhatlo li ntse li tsoela pele li kopantsoe litharollo ho loantša tšokelo ena ea botlokotsebe ka katleho ho feta leha e le neng pele.

Tekanyo e Khōlō ea Botlokotsebe ba Lichelete

Bokebekoa ba lichelete bo se bo kenelletse lefatšeng ka bophara moruo. The Ofisi ea Machaba a Kopaneng ea Lithethefatsi le Botlokotsebe (UNODC) e hakanya kakaretso ea eona ho 3-5% ea GDP ea lefats'e, e emelang se seholohali US $ 800 bilione ho $2 trillion e phallang ka dikanale tse lefifi ka selemo.

Mokhatlo oa lefats'e o thibelang tšebeliso e mpe ea chelete, oa Sesole sa Ts'ebetso ea Lichelete (FATF), e tlaleha hore tšebeliso e mpe ea chelete ka bo eona feela e lekana le $ 1.6 trillion ka selemo, e lekanang le 2.7% ea GDP ea lefatše. Ho sa le joalo, linaha tse ntseng li hōla moruong li ka 'na tsa lahleheloa ke chelete e eketsehileng $ 1 trillion ka selemo e kopane ka lebaka la ho qoba lekgetho la dikhamphani le ho koekoetla.

Leha ho le joalo linyeoe tse fumanoeng li kanna tsa emela karoloana feela ea tlolo ea molao ea lichelete lefatšeng ka bophara. Interpol e hlokomelisa hore ho ka sibolloa bonyane 1% ea tšebeliso e mpe ea chelete lefatšeng ka bophara le lichelete tsa bokhukhuni. Tsoelo-pele ea theknoloji ho AI le litlhahlobo tse kholo tsa data li fana ka tšepo ea ho ntlafatsa litekanyetso tsa ho lemoha. Leha ho le joalo, ho bonahala eka tlōlo ea molao ea lichelete e ntse e ka lula e e-na le chelete e ngata $ 900 limilione tse likete ho $ 2 trillion ka tlas'a indasteri ea ka tlas'a lefatše ka lilemo tse tlang.

Maemong a mang, batho ka bomong ba ka tobana le Liqoso tsa Bokebekoa ba Bohata bakeng sa litlōlo tsa molao tsa lichelete tseo ba sa kang ba li etsa. Ho ba le 'muelli oa molao oa ts'ireletso ea botlokotsebe ho ka ba bohlokoa ho sireletsa litokelo tsa hau haeba u tobane le liqoso tsa bohata.

Tataiso ea LawyersUAE mabapi le Molao oa Botlokotsebe e ka fana ka lintlha tsa bohlokoa mabapi le ho tsamaisa mathata a molao a mabapi le litlolo tsa molao tsa lichelete, ho netefatsa kutloisiso e felletseng le ho latela melao le melaoana e amehang.

Ke Hobane'ng ha Botlokotsebe ba Lichelete bo le Bohlokoa?

Tekanyo e kholo ea botlokotsebe ba lichelete e lekana le litlamorao tse kholo tsa lefats'e:

  • Ho se tsitse ha moruo le tsoelo-pele e liehang
  • Ho se lekane ha meputso/ho se lekane sechabeng le bofuma bo lekanyelitsoeng
  • Lekhetho le fokotsehileng la lekhetho le bolela litšebeletso tse fokolang tsa sechaba
  • E lumella khoebisano ea lithethefatsi/batho, bokhukhuni, le likhohlano
  • E senya tšepo ea sechaba le bonngoe sechabeng

Boemong ba motho ka mong, tlōlo ea molao ea lichelete e baka mahlomola a maholo ho bahlaseluoa ka bosholu ba boitsebiso, bomenemene, bosholu le tahlehelo ea lichelete.

Ho feta moo, chelete e silafetseng e kenella mesebetsing e tloaelehileng ea khoebo joalo ka meaho, bohahlauli, thepa ea mabothobotho, papali ea chelete le tse ling. Likhakanyo li bonts'a ho fihla ho 30% ea likhoebo lefatšeng ka bophara li na le ts'ebeliso ea chelete e seng molaong. Ho ata ha eona ka bongata ho hloka tšebelisano ea lefatše ka bophara lipakeng tsa mebuso, mekhatlo ea lichelete, balaoli, bafani ba theknoloji le ba amehang ba bang ho fokotsa likotsi.

Mefuta e Meholo ea Botlokotsebe ba Lichelete

Ha re hlahlobeng mefuta e meng e meholo ea botlokotsebe ba lichelete bo hlohlelletsang moruo oa lefatše.

chelete dilondri

The mokhoa oa khale of tšebeliso ea chelete e kenyelletsa mekhahlelo e meraro ea bohlokoa:

  1. Ho beha – Ho tsebisa lichelete tse seng molaong ho kena tsamaisong e kholo ea lichelete ka li-depositi, meputso ea khoebo, joalo-joalo.
  2. Layering - Ho pata tsela ea chelete ka litšebelisano tse rarahaneng tsa lichelete.
  3. Ho kopanya - Ho kopanya chelete "e hloekisitsoeng" ho khutlela moruong o amohelehang ka matsete, theko ea mabothobotho, joalo-joalo.

Phokotso ea chelete ha e pate feela phaello ea botlokotsebe empa e nolofalletsa liketso tse ling tsa botlokotsebe. Likhoebo li ka e thusa ka phoso ntle le ho hlokomela.

Ka hona, lefats'e anti-chelete laundering (AML) melaoana e laela litlamo tse thata tsa ho tlaleha le mekhoa ea ho latela melao bakeng sa libanka le mekhatlo e meng ho loants'a ts'ebeliso e mpe ea chelete. Next-gen AI le litharollo tsa ho ithuta ka mochini li ka thusa ho iphumanela ak'haonte e belaetsang kapa mekhoa ea ho etsa lintho.

Ho qhekella

Litahlehelo tsa lefats'e ho bomenemene ba tefo e le 'ngoe e fetisitsoeng $ Limilione tse likete 35 ka 2021. Bomenemene bo fapa-fapaneng bo sebelisa theknoloji, bosholu ba boitsebiso, le boenjiniere ba sechaba ho thusa phetiso ea chelete e seng molaong kapa ho fumana chelete. Mefuta e kenyelletsa:

  • Bomenemene ka karete ea mokitlane/debit
  • Phishing scams
  • Khoebo ea imeile ea khoebo
  • Li-invoice tsa bohata
  • Bomenemene ba lerato
  • Merero ea Ponzi/pyramid

Bomenemene bo senya tšepo ea lichelete, bo baka mahlomola ho bahlaseluoa, 'me bo eketsa litšenyehelo ho bareki le bafani ba lichelete ka ho tšoanang. Litlhahlobo tsa bomenemene le mekhoa ea liak'haonte tsa forensic li thusa ho utolla mesebetsi e belaetsang bakeng sa lipatlisiso tse tsoelang pele ke mekhatlo ea lichelete le mekhatlo ea ts'ebetsong ea molao.

"Bokebekoa ba lichelete bo ata ka har'a moriti. Ho khantša leseli likhutlong tsa eona tse lefifi ke mohato oa pele oa ho e qhaqha.” - Loretta Lynch, eo e kileng ea e-ba Attorney General ea US

Boitsebiso ba Cybercrime

Litlhaselo tsa marang-rang khahlanong le mekhatlo ea lichelete li eketsehile ka 238% lefatšeng ka bophara ho tloha 2020 ho ea ho 2021. Kholo ea lichelete tsa digital e eketsa menyetla ea theknoloji e nolofalitsoeng. litlolo tsa molao tsa lichelete tsa marang-rang joalo ka:

  • Crypto sepache / phapanyetsano hacks
  • jackpotting ea ATM
  • Skimming karete ea mokitlane
  • Bosholu ba mangolo a akhaonto ea banka
  • Litlhaselo tsa thekollo

Litahlehelo ho botlokotsebe ba lefats'e bo ka feta $ 10.5 litrillione lilemong tse hlano tse tlang. Ha ts'ireletso ea cyber e ntse e ntlafala, linokoane tsa litsebi li nts'etsapele lisebelisoa le mekhoa e tsoetseng pele ea ho fihlella ntle le tumello, ho tlola data, litlhaselo tsa malware le bosholu ba lichelete.

Tlhaselo ea Lekhetho

Ho tlalehoa hore ho qoba lekhetho lefatšeng ka bophara ke likhoebo le batho ba boleng bo holimo ba feta $ 500-600 limilione tse likete ka selemo. Likheo tse rarahaneng tsa machaba le libaka tsa lekhetho li bebofatsa bothata.

Phokotso ea lekhetho e senya meputso ea sechaba, e mpefatsa ho se lekane, ’me e eketsa ho itšetleha ka likoloto. Ka hona e thibela lichelete tse fumanehang bakeng sa lits'ebeletso tsa bohlokoa tsa sechaba joalo ka tlhokomelo ea bophelo bo botle, thuto, litšebeletso tsa motheo le tse ling. Tšebelisano e ntlafalitsoeng ea lefats'e har'a baetsi ba melaoana, balaoli, likhoebo le mekhatlo ea lichelete e ka thusa ho etsa hore litsamaiso tsa lekhetho li be le toka 'me li be pepeneneng.

Litlolo tsa Molao tse Eketsehileng tsa Lichelete

Mefuta e meng e meholo ea botlokotsebe ba lichelete e kenyelletsa:

  • Khoebo ea ka hare - Ho sebelisa hampe tlhahisoleseling eo e seng ea sechaba bakeng sa phaello ea 'maraka oa setoko
  • Tjotjo/bobodu - Ho susumetsa liqeto kapa mesebetsi ka likhothaletso tsa lichelete
  • Ho qoba likotlo - Ho potoloha likotlo tsa machaba bakeng sa phaello
  • Boqhekanyetsi - Ho hlahisa chelete ea bohata, litokomane, lihlahisoa, joalo-joalo.
  • Ho tsuba – Ho tsamaisa thepa/chelete e seng molaong ho tšela meeli

Botlokotsebe ba lichelete bo hokahana hoo e batlang e le mefuta eohle ea liketso tsa botlokotsebe - ho tloha ho lithethefatsi tse seng molaong le thekisetsano ea batho ho ea bokhukhuni le likhohlano. Ho se tšoane ho hoholo le boholo ba bothata bo hloka karabelo e hokahaneng ea lefats'e.

Se latelang, a re hlahlobeng tse ling tsa mekhoa ea morao-rao ea botlokotsebe ba lichelete lefatšeng ka bophara.

Mekhoa ea morao-rao le Lintlafatso

Botlokotsebe ba lichelete bo ntse bo tsoela pele ho hola ka mokhoa o tsoetseng pele le ho matlafatsoa ke theknoloji. Mekhoa ea mantlha e kenyelletsa:

Ho phatloha ha Cybercrime - Litahlehelo ho ransomware, ho sekisetsa lengolo-tsoibila la khoebo, mesebetsi e lefifi ea webo, le litlhaselo tsa bosholu li potlaka ka potlako.

Tšebeliso ea chelete ea Cryptocurrency - Litšebelisano tse sa tsejoeng ho Bitcoin, Monero le tse ling li thusa ho qhekella chelete le mesebetsi e mebe ea 'maraka.

Ho Eketseha ha Bosholu ba Boitsebiso ba Synthetic - Baqhekelli ba kopanya lintlha tsa 'nete le tsa bohata ho theha boitsebiso ba bohata bo ke keng ba fumanoa bakeng sa scams.

Keketseho ea Tefo ea Tefo ea Mohala - Scams le litšebelisano tse sa lumelloeng li nyoloha lits'ebetsong tsa tefo tse kang Zelle, PayPal, Cash App le Venmo.

Ho Lebisa Lihlopheng Tse Kotsing - Basomi ba ntse ba tsepamisa maikutlo ho batho ba tsofetseng, bajaki, ba sa sebetseng le batho ba bang ba tlokotsing.

Matšolo a Disinformation - "Litaba tse iqapetsoeng" le lipale tse qhekellang li nyenyefatsa tšepo ea sechaba le kutloisiso e arolelanoang.

Keketseho ea Botlokotsebe ba Tikoloho - Ho rengoa ha meru ho seng molaong, bomenemene ba mekitlane ea khabone, ho lahloa ha litšila, le botlokotsebe bo tšoanang ba tikoloho le tsona lia ata.

Ka lehlakoreng le leng, tšebelisano-'moho ea lefats'e pakeng tsa mekhatlo ea lichelete, balaoli, ts'ebetsong ea molao le balekane ba theknoloji e ntse e tsoela pele ho tloha "ho tloha ho lelekisa litlolo tsa molao ho ea ho li thibela."

Mesebetsi ea Mekhatlo ea Bohlokoa

Mekhatlo e fapaneng ea lefats'e e etella pele boiteko ba lefats'e khahlanong le botlokotsebe ba lichelete:

  • Sesole sa Ts'ebetso ea Lichelete (FATF) e beha litekanyetso tse khahlanong le tšebeliso ea chelete (AML) le litekanyetso tsa lichelete tsa ho loantša bokhukhuni tse amoheloang lefatšeng ka bophara.
  • Ofisi ea UN ea Lithethefatsi le Botlokotsebe (UNODC) e fana ka lipatlisiso, tataiso, le thuso ea tekheniki ho linaha tseo e leng litho.
  • IMF le Banka ea Lefatše lekola meralo ea AML/CFT ea naha le ho fana ka tšehetso ea kaho ea bokhoni.
  • InterPOL e nolofatsa tshebedisano-mmoho ya sepolesa ho lwantsha botlokotsebe ba dinaha tse ding ka tshekatsheko ya mahlale le datha.
  • Europol e hokahanya litšebetso tse kopanetsoeng lipakeng tsa linaha tseo e leng litho tsa EU khahlano le marangrang a botlokotsebe bo hlophisitsoeng.
  • Sehlopha sa Egmont e hokela Diyuniti tse 166 tsa naha tsa Bohlale ba Ditjhelete bakeng sa ho arolelana tlhahisoleseding.
  • Komiti ea Basel ea Tlhokomelo ea Libanka (BCBS) e fana ka tataiso le tšehetso bakeng sa taolo ea lefats'e le ho latela melao.

Haufi le mekhatlo ea mebuso, litsi tsa taolo ea naha le tsa ts'ebetso ea molao joalo ka Ofisi ea Letlotlo la US ea Taolo ea Matlotlo a Kantle ho Naha (OFAC), UK National Crime Agency (NCA), le Jeremane Federal Financial Supervisory Authority (BaFin), libanka tse bohareng tsa UAE, le tse ling li tsamaisa liketso tsa lehae. e tsamaellanang le litekanyetso tsa lefatše.

"Ntoa khahlanong le botlokotsebe ba lichelete ha e hlōloe ke bahale, empa ke batho ba tloaelehileng ba etsang mesebetsi ea bona ka botšepehi le ka boitelo." – Gretchen Rubin, sengoli

Melao ea Bohlokoa le Tumellano

Melao e matla e tšehelitsoeng ke mekhoa e tsoetseng pele ea ho latela melao ka har'a mekhatlo ea lichelete e emela lisebelisoa tsa bohlokoa bakeng sa ho fokotsa botlokotsebe ba lichelete lefatšeng ka bophara.

Melawana ya Anti-Chelete Laundering (AML).

Major melaoana e thibelang tšebeliso ea chelete kenyeletsa:

  • US Molao oa Lekunutu oa Banka le PATRIOT Act
  • EU Litaelo tsa AML
  • UK le UAE Melawana ea ho Hlakola Chelete
  • FATF Litlhahiso

Melao ena e hloka hore lifeme li hlahlobe likotsi, li tlalehe litšebelisano tse belaetsang, ho sebetsa ka thata ho bareki le ho phethahatsa tse ling. latelwa boitlamo.

E matlafalitsoe ke likotlo tse ngata bakeng sa ho se ikobele melao, melaoana ea AML e ikemiselitse ho phahamisa tlhokomelo le ts'ireletso ho pholletsa le tsamaiso ea lichelete ea lefats'e.

Tseba Melao ea Bareki ba Hao (KYC).

Tseba moreki oa hau (KYC) melaoana e tlama bafani ba litšebeletso tsa lichelete ho netefatsa boitsebiso ba bareki le mehloli ea lichelete. KYC e ntse e le bohlokoa bakeng sa ho bona liakhaonto tsa bomenemene kapa litsela tsa chelete tse amanang le botlokotsebe ba lichelete.

Theknoloji e ntseng e tsoela pele joalo ka netefatso ea ID ea biometric, video ea KYC, le tlhahlobo ea othomathike ea morao-rao e thusa ho tsamaisa tšebetso ka mokhoa o sireletsehileng.

Litlaleho tsa Ketsahalo e belaetsang

Litlaleho tse belaetsang tsa ts'ebetso (SARs) emela lisebelisoa tsa bohlokoa tsa ho lemoha le ho thibela ho loants'a chelete e sebelisoang hampe. Mekhatlo ea lichelete e tlameha ho kenya li-SAR mabapi le litšebelisano tse belaetsang le mesebetsi ea liak'haonte ho lihlopha tsa bohlale ba lichelete bakeng sa lipatlisiso tse ling.

Mekhoa e tsoetseng pele ea li-analytics e ka thusa ho lemoha 99% e hakantsoeng ea mesebetsi e lokiselitsoeng ke SAR e sa tlalehoeng selemo le selemo.

Ka kakaretso, likhokahano tsa maano a lefats'e, mekhoa e tsoetseng pele ea ho latela melao, le khokahanyo e haufi ea sechaba le poraefete li tiisa ponaletso ea lichelete le bots'epehi ho pholletsa le meeli.

Ho Kopanya Theknoloji Khahlanong le Tlōlo ea Molao ea Lichelete

Theknoloji ea morao-rao e fana ka menyetla ea ho fetola lipapali ho ntlafatsa haholo thibelo, ho lemoha, le karabelo mabapi le litlolo tsa molao tse fapaneng tsa lichelete.

AI le mochini oa ho ithuta

Artificial Intelligence (AI) 'me ho ithuta mochine Li-algorithms li notlolla mokhoa oa ho lemoha ka har'a li-database tse kholo tsa lichelete ho feta bokhoni ba motho. Lisebelisoa tsa bohlokoa li kenyelletsa:

  • Litlhahlobo tsa bomenemene ba tefo
  • Ho lemoha ho qhekella ha chelete
  • Ntlafatso ea Cybersecurity
  • Netefatso ea boitsebiso
  • Litlaleho tse belaetsang ka boiketsetso
  • Mohlala oa kotsi le ho bolela esale pele

AI e eketsa bafuputsi ba batho ba AML le lihlopha tsa ho latela melao bakeng sa tlhahlobo e phahameng, ts'ireletso, le moralo oa maano khahlano le marang-rang a botlokotsebe ba lichelete. E emetse karolo ya bohlokwa ya meralo ya motheo ya moloko o tlang wa Anti-Financial Crime (AFC).

“Theknoloji ke sabole e sehang ka nģa tse peli toantšong ea botlokotsebe ba lichelete. Le ha e hlahisa menyetla e mecha bakeng sa linokoane, e boetse e re fa matla ka lisebelisoa tse matla tsa ho li latela le ho li thibela. ” - Motsamaisi e Moholo oa Europol Catherine De Bolle

Litlhahlobo tsa Blockchain

Lipampiri tse ajoang pepeneneng tse kang Bitcoin le Ethereum blockchain thusa ho latedisa phallo ea letlole ho supa bosholu ba chelete, bomenemene, litefo tsa ransomware, lithuso tsa lichelete tsa bokhukhuni, le litšebelisano tse lumelletsoeng.

Mekhatlo e hloahloa e fana ka lisebelisoa tsa ho latedisa blockchain ho litsi tsa lichelete, likhoebo tsa crypto, le mekhatlo ea mmuso bakeng sa bolebeli bo matla esita le ka li-cryptocurrensets tse shebaneng le lekunutu tse kang Monero le Zcash.

Biometrics le Digital ID Systems

se sireletsehileng theknoloji ea biometric joalo ka menoana, retina, le temoho ea sefahleho li nka sebaka sa li-passcode bakeng sa netefatso ea boitsebiso bo tšepahalang. Merero e tsoetseng pele ea ID ea dijithale e fana ka litšireletso tse matla khahlano le bomenemene bo amanang le boitsebiso le likotsi tsa tšebeliso e mpe ea chelete.

Likopano tsa API

Bula lihokelo tsa mananeo a libanka (APIs) etsa hore ho arolelanoa ha data ka mokhoa o itekanetseng pakeng tsa mekhatlo ea lichelete bakeng sa ho hlahloba mekhatlo e mengata ea li-account tsa bareki le litšebelisano. Sena se fokotsa litšenyehelo tsa ho latela melao ha se ntse se ntlafatsa ts'ireletso ea AML.

Ho arolelana tlhahisoleseling

Mefuta e inehetseng ea botlokotsebe ba lichelete e thusa ho fapanyetsana litaba tsa lekunutu lipakeng tsa mekhatlo ea lichelete ho matlafatsa ho lemoha bomenemene ha ho ntse ho latela melaoana e tiileng ea lekunutu.

Ka kholo e kholo ea tlhahiso ea data, ho kopanya lintlha ho tsoa ho li-database tse kholo ho bontša bokhoni ba bohlokoa bakeng sa tlhahlobo ea bohlale ba poraefete ea sechaba le thibelo ea botlokotsebe.

Maano a Mekhatlo e Mecha ea ho Loantša Botlokotsebe ba Lichelete

Mekhoa e tsoetseng pele ea botlokotsebe ba lichelete ea lekholong la bo21 la lilemo e hloka likarabelo tsa tšebelisano lipakeng tsa bankakarolo ba fapaneng ba lefats'e:

Mebuso & Baetsi ba Leano

  • Ho hokahanya litsamaiso tsa taolo le meralo ea puso
  • Fana ka lisebelisoa bakeng sa mekhatlo ea tlhokomelo ea lichelete
  • Ts'ehetsa lithupelo tsa ts'ebetsong ea molao le ntlafatso ea bokhoni

Litsi tsa Lichelete

  • Boloka mananeo a matla a ho latela melao (AML, KYC, tlhahlobo ea likotlo, jj.)
  • Faela litlaleho tsa ts'ebetso e belaetsang (SARs)
  • Ntlafatsa litlhahlobo tsa data le taolo ea likotsi

Basebetsi-'moho le Theknoloji

  • Fana ka analytics e tsoetseng pele, biometrics, bohlale ba blockchain, kopanyo ea data, le lisebelisoa tsa cybersecurity

Baokameli ba Lichelete le Baokameli

  • Beha le ho phethahatsa litlamo tse thehiloeng ho kotsi tsa AML/CFT ho latela tataiso ea FATF
  • Tšebelisano 'moho ho tšela meeli ho rarolla litšokelo tsa libaka

Mekhatlo ea Ts'ebetsong ea Molao

  • Etella pele lipatlisiso tse rarahaneng le liqoso
  • Thibela lichelete tsa likhukhuni le marangrang a botlokotsebe ba machaba

Mekhatlo ea Machaba

  • Beafatsa khokahano ea lefats'e, tlhahlobo, le tataiso ea tekheniki
  • Ho phahamisa likamano le bokhoni bo kopanetsoeng

Maano a felletseng a botlokotsebe ba lichelete a tlameha ho hokahanya maano le melawana ea machabeng le ts'ebetsong ea naha, ts'ebetso ea lekala la sechaba, le boikamahanyo ba lekala la poraefete.

Bokhoni bo bocha ba ho kopanya datha, tlhahlobo ea nako ea 'nete, le bohlale bo ntlafalitsoeng ba AI bo fana ka leseli le sebetsang ho phallo ea tlhaiso-leseling e ngata ho thusa ho tseba esale pele ho fapana le ho nka khato khahlano le maqheka a mangata a bomenemene, mahlale a bosholu, ho kenella ha cyber le litlolo tse ling.

Pono ea Botlokotsebe ba Lichelete

Le ha nako ea mahlale e tlisa menyetla e mecha ea tšebeliso e mpe, e boetse e fetola maikutlo a hore ho be le tšitiso e matla khahlano le karabelo e matla khahlano le marangrang a botlokotsebe a metseng ka metso.

Ka boitsebiso bo hakanyetsoang ba libilione tse 8.4 lefatšeng ka bophara ka 2030, netefatso ea boitsebiso e emela moeli o ntseng o eketseha oa ho thibela bomenemene. Ho sa le joalo, ho lateloa ha chelete ea crypto ho fana ka ponahalo e hlakileng ho feta meriti e lefifi ea transaction.

Leha ho le joalo, joalo ka ha AI le khokahano ea lefats'e li tlosa libaka tse sa boneng pele, mehele ea linokoane e lula e ikamahanya le mekhoa le ho fallela libakeng tse ncha. Bokhoni ba ho khetholla li-vector tse ncha tsa tlhaselo le li-intersections tsa 'mele tsa dijithale li ntse li le bohlokoa.

Qetellong, ho fokotsa botlokotsebe ba lichelete ho hloka tlhokomelo e nepahetseng, theknoloji le likamano tsa machaba ho etsa hore ho be le botšepehi ho pholletsa le phallo ea lichelete ea lefats'e. Maemo a ts'episang a bonts'a maemo a taolo le ts'ireletso a ntse a ntlafala butle-butle, leha tsela e lebisang botšepehing bo ka sehloohong e ts'episa lits'ebetso le lintlafatso tse ngata lilemong tse tlang.

Ntlha ea bohlokoa

Botlokotsebe ba lichelete bo baka tšenyo e khōlō lefatšeng ka bophara ka mekhoa ea moruo, ea sechaba le ea lipolotiki. Leha ho le joalo, khokahanyo e matlafalitsoeng lipakeng tsa makala a sechaba le a poraefete a tsepamisitsoeng pepeneneng, thekenoloji, analytics, leano, le tšebelisano-'moho e fana ka phaello e tsitsitseng khahlano le lithahasello tsa libapali tse sebelisang likheo tsa puso bakeng sa phaello e seng molaong.

Le hoja hamore ea bochochisi e ntse e le ea bohlokoa, thibelo e molemo ho feta ho phekola ho fokotsa likhothatso le menyetla ea hore tlōlo ea molao ea lichelete e kenelle likarolong tsohle tsa libanka, limmaraka le tsa khoebo lefatšeng ka bophara. Lintho tse tlang pele li ntse li matlafatsa meralo ea bots'epehi, taolo ea ts'ireletso, kopano ea data, tlhahlobo ea moloko o latelang, le ho falimeha ho kopaneng khahlano le litšokelo tse ntseng li fetoha.

Botlokotsebe ba lichelete bo ka 'na ba tsoela pele e le sebaka sa mathata ntle le tharollo ea ho qetela. Leha ho le joalo tekanyo ea eona ea lidolara tse libilione le likotsi li ka fokotsoa haholo ka tšebelisano e matla ea lefats'e. Khatelo-pele e kholo e etsahala letsatsi le leng le le leng tabeng ea ho lemoha mekhoa, ho koala masoba, le ho khantša mecha ea moriti ho pholletsa le marang-rang a lichelete a machaba.

Qetello: Ho itlama ho Marathone khahlano le Crime's Sprint

Botlokotsebe ba lichelete e ntse e le bothata moruong, meputsong ea ’muso, litšebeletsong tsa sechaba, litokelo tsa motho ka mong, bonngoe ba sechaba, le botsitso ba mekhatlo lefatšeng ka bophara. Leha ho le joalo, litšebelisano tse inehetseng tsa sechaba le tsa poraefete tse shebaneng le ponaletso, boikarabello, ho amoheloa ha theknoloji, le tšebelisano ea lefats'e li etsa phaello e tsitsitseng khahlano le ho ata ha eona.

Litlamo tse matlafalitsoeng tsa ho tlaleha, lipehelo tsa ho lata blockchain, litsamaiso tsa ID tsa biometric, likhokahanyo tsa API, le litlhahlobo tse ntlafalitsoeng tsa AI li hokahana le ponahalo le ts'ireletso meahong ea bohlokoa ea lichelete. Le hoja libapali tse nang le litšoantšiso li matha ka har'a likheo, botšepehi bo pharaletseng le boitlamo bo kopanetsoeng lia rena marathone ena khahlanong le bobolu ba mekhoa ea bohlokoa ea moruo.

Ka meralo e hlokolosi ea puso, botsamaisi ba data bo nang le boikarabelo, liprothokholo tsa tshireletso, le mekhoa ea boliso ea boits'oaro mekhatlo ea lichelete, balaoli le balekane ba phahamisa bophelo ba sechaba sa lichelete khahlano le linokoane tse sekametseng liphaellong tsa likokoana-hloko.

Botlokotsebe ba lichelete bo ka 'na ba tsoela pele e le sebaka sa mathata ntle le tharollo ea ho qetela. Leha ho le joalo tekanyo ea eona ea lidolara tse libilione le likotsi li ka fokotsoa haholo ka tšebelisano e matla ea lefats'e. Khatelo-pele e kholo e etsahala letsatsi le letsatsi.

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