Ulwaphulo-mthetho lwemali lubhekisa ku imisebenzi engekho mthethweni okubandakanya ukuthengiselana ngemali ngobuqhophololo okanye ukuziphatha ngokunganyaniseki ukuze kuzuze wena ngokwasemalini. Yinto enzima kwaye iya isanda jikelele umba owenza ukuba izenzo zolwaphulo-mthetho zifane imali ngokungekho mthethweni, inkxaso-mali yabanqolobi, kunye nokuninzi. Esi sikhokelo sibanzi sivavanya i-serious izinsongelo, efikelela kude iimpembelelo, yakutshanje iintsingiselo, kwaye iyasebenza kakhulu izisombululo ukulwa ulwaphulo-mthetho lwezemali kwihlabathi jikelele.

Yintoni uLwaphulo-mthetho lwezeMali?

Ulwaphulo-mthetho lwezemali ibandakanya nayiphi na amatyala angekho mthethweni ebandakanya uKufumana imali okanye impahla ngenkohliso okanye ngobuqhophololo. Iindidi eziphambili ziquka:

Ukurhwaphiliza imali: Ukufihla imvelaphi kunye nentshukumo ye imali engekho mthethweni ku izenzo zolwaphulo-mthetho.
Ukukhwabanisa: Ukuqhatha amashishini, abantu ngabanye, okanye oorhulumente ukuze bafumane imali okanye izinto abanazo ngokungekho mthethweni.
I-Cybercrime: Ubusela, ubuqhetseba, okanye olunye ulwaphulo-mthetho ngenjongo yokwenza inzuzo yemali.
Urhwebo lwangaphakathi: Ukusebenzisa kakubi ulwazi lwenkampani yabucala kwingeniso yemarike yemasheya.
Ukunyoba/urhwaphilizo: Ukunika inkuthazo efana nemali ukuphembelela indlela yokuziphatha okanye izigqibo.
Ukubaleka kwirhafu: Ukungabhengezi ingeniso ukuphepha ukuhlawula irhafu ngokungekho mthethweni.
Ukuxhaswa ngemali kwabanqolobi: Ukubonelela ngemali yokuxhasa iingcamango okanye imisebenzi yabanqolobi.

ezahlukeneyo iindlela ezingekho mthethweni ukunceda ukufihla ubunini bokwenyani okanye imvelaphi ye imali kunye nezinye asethi. Ulwaphulo-mthetho lwezemali lukwavumela amatyala anzima afana nokuthutyeleziswa kweziyobisi, ukuthutyeleziswa kwabantu, ukuthutyeleziswa, nokunye. Iintlobo zokuxhatshazwa njengokunceda, ukuququzelela okanye ukwenza iyelenqe lokwenza olu lwaphulo-mthetho lwemali akukho mthethweni.

Itekhnoloji ephucukileyo kunye noqhakamshelwano lwehlabathi lwenza ukuba ulwaphulo-mthetho lwezemali luqhubele phambili. Nangona kunjalo, unikezelo lwehlabathi jikelele mibutho ziqhubela phambili zidibene izisombululo ukulwa lo mkhuba wolwaphulo-mthetho ngempumelelo kunangaphambili.

Umlinganiselo omkhulu woLwaphulo-mthetho lwezeMali

Ulwaphulo-mthetho lwezemali luye lwabandakanyeka ngokunzulu kwihlabathi umnotho. The IOfisi yeZizwe eziManyeneyo yeZiyobisi kunye noLwaphulo-mthetho (UNODC) iqikelela isikali sayo sisonke I-3-5% ye-GDP yehlabathi, emele into eninzi US$800 yeebhiliyoni ukuya kwi-2 yeebhiliyoni zeedola ihamba ngemijelo emnyama ngonyaka.

I-Global anti-money laundering watchdog, i Umsebenzi weZimali ngeMisebenzi (FATF), inika ingxelo yokuba ukuthutyeleziswa kwemali kukodwa kufana noku $ 1.6 yetriliyoni ngonyaka, ilingana ne-2.7% ye-GDP yehlabathi. Okwangoku, amazwe asakhasayo anokulahlekelwa ngaphezulu $ 1 yetriliyoni ngonyaka kudityaniswe ngenxa yokuphepha irhafu yenkampani kunye nokuphepha.

Kodwa amatyala achongiweyo amele iqhezu nje lezenzo zolwaphulo-mthetho lwemali kwihlabathi liphela. I-Interpol ilumkisa ngelithi i-1% yemali yehlabathi jikelele kunye nenkxaso-mali yobunqolobi inokufunyanwa. Ukuqhubela phambili kwetekhnoloji kwi-AI kunye nohlalutyo olukhulu lwedatha lunika ithemba lokuphucula amazinga okubona. Nangona kunjalo, ulwaphulo-mthetho lwezemali lubonakala luhlala lunengeniso ephezulu I-900 yeebhiliyoni zeedola ukuya kwi-2 yeebhiliyoni zeedola kushishino oluphantsi komhlaba iminyaka ezayo.

Kwezinye iimeko, umntu ngamnye unokujongana Izityholo Zolwaphulo-mthetho Zobuxoki ngenxa yolwaphulo-mthetho lwemali abangawenzanga ngokwenene. Ukuba negqwetha elinamava okukhusela ulwaphulo-mthetho kungabalulekile ekukhuseleni amalungelo akho ukuba ujongene nezityholo zobuxoki.

Isikhokelo samaGqwetha se-UAE kuMthetho woLwaphulo-mthetho inokubonelela ngemibono exabiseke kakhulu ekujongeni ubucukubhede obusemthethweni obungqonge ubugebenga bezemali, ukuqinisekisa ukuqonda okubanzi kunye nokuthotyelwa kwemithetho nemimiselo efanelekileyo.

Kutheni Bubalulekile Ulwaphulo-mthetho Lwemali?

Umlinganiselo omkhulu wolwaphulo-mthetho lwemali ulingana ne iimpembelelo ezinkulu zehlabathi:

Ukungazinzi kwezoqoqosho kunye nophuhliso olucothayo
Umvuzo / ukungalingani ekuhlaleni kunye nentlupheko
Ukuthotywa kwengeniso yerhafu kuthetha ukuba iinkonzo zoluntu ezimbalwa
Ivumela ukuthengiswa kweziyobisi/abantu, ubunqolobi, kunye neengxabano
Uphelisa ukuthembana koluntu kunye nomanyano loluntu

Kwinqanaba lomntu ngamnye, ulwaphulo-mthetho lwezemali lubangela unxunguphalo olukhulu kumaxhoba ngokubiwa kwezazisi, ubuqhophololo, ubuqhetseba, kunye nelahleko yemali.

Ngaphaya koko, imali engcolisiweyo ingena kwimisebenzi yeshishini eliqhelekileyo elifana nezindlu, ukhenketho, iimpahla zodidi, ungcakazo, nokunye. Uqikelelo lubonisa ukuya kuthi ga kwi-30% yamashishini kwihlabathi jikelele afumana imali ngokungekho mthethweni. Ukuxhaphaka kwayo kufuna intsebenziswano yehlabathi phakathi koorhulumente, amaziko emali, abalawuli, ababoneleli beteknoloji, kunye nabanye abachaphazelekayo ukunciphisa umngcipheko.

Iintlobo ezingundoqo zoLwaphulo-mthetho lwezeMali

Makhe sihlolisise ezinye iindlela eziphambili zolwaphulo-mthetho lwezemali oluphembelela uqoqosho lwehlabathi.

Ukurhwaphiliza imali

The inkqubo yakudala of ukurhwaphiliza imali ibandakanya amanqanaba amathathu angundoqo:

Ukubekwa - Ukwazisa imali engekho mthethweni kwinkqubo yezemali eqhelekileyo ngeediphozithi, iingeniso zoshishino, njl.
Ukwaleka-Ukufihla umkhondo wemali ngorhwebo oluntsonkothileyo lwezemali.
Ukudibanisa - Ukudibanisa imali "ehlanjululweyo" ibuyele kuqoqosho olusemthethweni ngotyalo-mali, ukuthengwa kwezinto zokunethezeka, njl.

Ukurhwaphiliza imali ayifihli kuphela inzuzo yolwaphulo-mthetho kodwa ivumela izenzo zolwaphulo-mthetho ezongezelelekileyo. Amashishini anokuyivumela ngokungazi ukuba ingaqondanga.

Ngenxa yoko, ihlabathi anti-money laundering (AML) Imimiselo igunyazisa ukuba ngqongqo kwiimfanelo zokunika ingxelo kunye nemigaqo yokuthotyelwa kweebhanki namanye amaziko ukulwa ukuthutyeleziswa kwemali. I-Next-gen AI kunye nezisombululo zokufunda ngomatshini zinokunceda ukufunyanwa kweakhawunti ekrokrisayo okanye iipateni zokuthengiselana.

Ukukhwabanisa

Ilahleko yehlabathi ku ubuqhophololo bentlawulo iyodwa igqithile $ 35 billion ngo-2021. Ubuqhophololo obahlukeneyo buphakamisa iteknoloji, ubusela bezazisi, kunye nobunjineli bezentlalo ukuququzelela ukudluliselwa kwemali ngokungekho mthethweni okanye ukufikelela kwinkxaso-mali. Iintlobo ziquka:

Ubuqhophololo ngetyala/ngekhadi lokuthenga ngetyala
Inkohliso
Business email yokulalanisa
Ii-invoyisi zomgunyathi
Ubuqhophololo bothando
Iinkqubo zePonzi/pyramid

Ubuqhophololo buphula intembeko yezemali, bubangela unxunguphalo kumaxhoba, kwaye kwandisa iindleko kubathengi nakubaboneleli bemali ngokufanayo. Uhlalutyo lobuqhophololo kunye neendlela zokunikwa kwengxelo esemthethweni zinceda ukufumanisa imisebenzi ekrokrisayo ukuze kuphandwe ngakumbi ngamaziko emali kunye nee-arhente zogcino-mthetho.

“Ulwaphulo-mthetho lwezemali luyakhula emthunzini. Ukukhanyisa isibane kwiikona zayo ezimnyama linyathelo lokuqala lokuyidiliza.” – ULoretta Lynch, owayesakuba liGqwetha Jikelele laseMelika

I-Cybercrime

Uhlaselo lwe-Cyberattas ngokuchasene namaziko emali lunyuke nge-238% kwihlabathi jikelele ukusuka ngowama-2020 ukuya ku-2021. ulwaphulo-mthetho lwezezimali njengo:

I-Crypto wallet / i-hacks yotshintshiselwano
ATM jackpotting
Ikhadi lokuthenga ngetyala skimming
Ukubiwa kweenkcukacha zeakhawunti yebhanki
Iintlawulelo zokuhlaselwa

Ilahleko kulwaphulo-mthetho lwehlabathi jikelele lunokugqithisa $ 10.5 zezigidi kule minyaka mihlanu izayo. Ngelixa ukhuseleko lwe-cyber luqhubeka nokuphucuka, abahlaseli abaziingcali baphuhlisa izixhobo ezintsonkothileyo kunye neendlela zokufikelela ngaphandle kwemvume, ukophulwa kwedatha, uhlaselo lwe-malware, kunye nobusela bemali.

Ukungabikho kweRhafu

Ukuphepha irhafu yehlabathi kunye nokuphepha ngamaqumrhu kunye nabantu abanexabiso eliphezulu kuxelwe ukuba bayagqitha I-500-600 yeebhiliyoni zeedola ngonyaka. Imikrozo entsonkothileyo yamazwe ngamazwe kunye neendawo zokurhafisa ziququzelela le ngxaki.

Ukubaleka kwirhafu kuphelisa ingeniso yoluntu, kwandisa ukungalingani, kwaye kwandisa ukuthembela ematyaleni. Ithi ke ngoko ithintele inkxaso-mali ekhoyo kwiinkonzo zoluntu ezibalulekileyo ezifana nokhathalelo lwempilo, imfundo, iziseko zophuhliso, nokunye. Ukuphuculwa kwentsebenziswano yehlabathi phakathi kwabenzi bomgaqo-nkqubo, abalawuli, amashishini, kunye namaziko emali anokunceda ukwenza iinkqubo zerhafu zibe nobulungisa kwaye zicace ngakumbi.

Ulwaphulo-mthetho oloNgezelelweyo lwezeMali

Ezinye iindlela eziphambili zolwaphulo-mthetho lwezemali ziquka:

Urhwebo lwangaphakathi – Ukusebenzisa kakubi ulwazi olungelulo olukawonke-wonke kwingeniso ye-stock market
Ukunyoba/urhwaphilizo – Ukuphembelela izigqibo okanye imisebenzi ngokusebenzisa inkuthazo yemali
Ukuphepha izohlwayo – Ukujikelezisa izohlwayo zamazwe ngamazwe ngenzuzo
Izinto zobuqhetseba -Ukuvelisa imali yomgunyathi, amaxwebhu, iimveliso, njl.
Ukuthubeleza – Ukuthutha iimpahla/iimali ezingekho mthethweni ukunqumla imida

Ubugebenga bemali buthungelana phantse nazo zonke iintlobo zezenzo zolwaphulo-mthetho - ukusuka kwiziyobisi ezingekho mthethweni kunye nokurhweba ngabantu ukuya kubunqolobi kunye neengxabano. Iyantlukwano enkulu kunye nobungakanani bengxaki bufuna impendulo elungelelanisiweyo yehlabathi.

Okulandelayo, makhe sihlolisise ezinye zeendlela zamva nje zolwaphulo-mthetho lwezemali kwihlabathi jikelele.

Imizila kunye noPhuhliso lwamva nje

Ubugebenga bezemali buqhubela phambili bukhula ngendlela entsonkothileyo kwaye busebenza ubuchwepheshe. Iintsingiselo eziphambili ziquka:

Ukuqhambuka kolwaphulo-mthetho kwi-Cybercrime -Ilahleko kwi-ransomware, ukuthotyelwa kwe-imeyile yeshishini, imisebenzi yewebhu emnyama, kunye nohlaselo lokugqekeza lukhawuleza ngokukhawuleza.

Ukuxhaphazwa kweCryptocurrency -Intengiselwano engaziwa kwiBitcoin, iMonero kunye nabanye ivumela ukuthutyeleziswa kwemali kunye nemisebenzi yentengiso emnyama.

Ukunyuswa koBuqhetseba boBuqhetseba beSazisi -Abenzi bobuqhophololo badibanisa iziqinisekiso zokwenyani kunye nezobuxoki ukuze benze iinkcukacha zobuxoki ezingafumanekiyo zorhwaphilizo.

Ukunyuswa kobuqhetseba bentlawulo yeselula -Ubuqhetseba kunye nokuthengiselana okungagunyaziswanga kunyuka kwiiapps zentlawulo ezinje ngeZelle, iPayPal, iCash App, kunye neVenmo.

Ukujoliswa kwamaQela asesichengeni -I-Scammers igxininisa ngakumbi kubantu abadala, abafuduki, abangaphangeliyo kunye nabanye abantu abasengozini.

Amaphulo oLwazi lweDisinformation - "Iindaba zomgunyathi" kunye namabali akhohlisayo ajongela phantsi ukuthembana kwentlalo kunye nokuqondana okwabelwana ngako.

Ukukhula koLwaphulo-mthetho lokusiNgqongileyo – Ukugawulwa kwamahlathi ngokungekho mthethweni, ubuqhophololo betyala lekhabhoni, ukulahlwa kwenkunkuma, kunye nolwaphulo-mthetho olufanayo lwe-eco luyanda.

Okona kulungileyo, intsebenziswano yehlabathi phakathi kwamaziko emali, abalawuli, abezomthetho, kunye namaqabane eteknoloji iyaqhubeka nokushukuma “ukusuka ekusukeleni ulwaphulo-mthetho ukuya ekuthinteleni.”

Iindima zeMibutho ePhambili

Amaqumrhu ahlukeneyo ehlabathi akhokela iinzame zehlabathi zokulwa ulwaphulo-mthetho lwezemali:

Umsebenzi weZimali ngeMisebenzi (FATF) imisela imigangatho yokulwa nokuthutyeleziswa kwemali (i-AML) kunye nemigangatho yenkxaso-mali yokulwa nobunqolobi eyamkelwe kwihlabathi jikelele.
IOfisi yeZizwe eziManyeneyo kuMachiza noLwaphulo-mthetho (UNODC) ibonelela ngophando, isikhokelo, kunye noncedo lobugcisa kumazwe angamalungu.
I-IMF kunye neBhanki yehlabathi ukuvavanya ilizwe AML / CFT izikhokelo kunye nokubonelela ngenkxaso yokuxhobisa.
I-InterPOL iququzelela intsebenziswano yamapolisa ukulwa ulwaphulo-mthetho olusuka kwamanye amazwe ngohlalutyo lobuntlola kunye nogcino-lwazi.
Europol ulungelelanisa imisebenzi edibeneyo phakathi kwamazwe angamalungu e-EU ngokuchasene nothungelwano lolwaphulo-mthetho olulungelelanisiweyo.
Iqela le-Egmont iqhagamshela iiYunithi zoBuntlola bezeziMali zesizwe ezili-166 zokwabelana ngolwazi.
IKomiti yeBasel yoLawulo lweeBhanki (BCBS) inikeza isikhokelo kunye nenkxaso yolawulo lwehlabathi kunye nokuthotyelwa.

Ecaleni kwamaqumrhu olawulo lwelizwe, ii-arhente zolawulo zelizwe kunye nonyanzeliso lomthetho ezifana ne-Ofisi kaNondyebo wase-US yoLawulo lweeMpahla zaNgaphandle (OFAC), i-Arhente yeSizwe yoLwaphulo-mthetho yase-UK (NCA), kunye ne-German Federal Federal Supervisory Authority (BaFin), i-UAE central banks, kunye nabanye baqhuba izenzo zasekuhlaleni. ihambelana nemigangatho yehlabathi.

“Umlo ochasene nolwaphulo-mthetho lwemali awuphunyelelwa ngamagorha, kodwa ngabantu abaqhelekileyo abenza imisebenzi yabo ngentembeko nangokuzinikela.” – Gretchen Rubin, umbhali

IMimiselo ebalulekileyo kunye nokuThotyelwa

Imithetho eyomeleleyo exhaswa yimigaqo ephucukileyo yothotyelo kumaziko emali imele izixhobo ezibalulekileyo zokunciphisa ulwaphulo-mthetho lwezemali kwihlabathi jikelele.

IMithetho yokuLawulwa kokuLawulwa kweMali (i-AML).

Major imithetho echasene nokuthutyeleziswa kwemali ziquka:

US Umthetho weSecurity weBhanki kunye noMthetho we-PATRIOT
EU AML Directives
I-UK kunye ne-UAE Imithetho yokuThuthukiswa kweMali
I-FATF izindululo

Le migaqo ifuna ukuba iifemu zivavanye umngcipheko ngokusebenzayo, zixele iintengiselwano ezikrokrisayo, ziqhube umthengi ngokucokisekileyo, kwaye zizalisekise ezinye izinto. ukuthobela iimbopheleleko.

Iqiniswe zizohlwayo ezinkulu zokungathobeli, imigaqo ye-AML ijolise ekuphakamiseni ukongamela kunye nokhuseleko kwinkqubo yezemali yehlabathi.

Yazi iMithetho yakho yoMthengi (KYC).

Yazi umthengi wakho (KYC) Iiprothokholi zinyanzela ababoneleli ngenkonzo yezemali ukuba baqinisekise ubuni babaxhasi kunye nemithombo yemali. I-KYC ihlala ibalulekile ekubhaqeni ii-akhawunti zobuqhophololo okanye iindlela zemali ezibotshelelwe kulwaphulo-mthetho lwezemali.

Ubugcisa obuvelayo obufana nokuqinisekiswa kwesazisi sebhayometriki, ividiyo ye-KYC, kunye nokuhlolwa okungasemva okuzenzekelayo kunceda ukuhambisa iinkqubo ngokukhuselekileyo.

Iingxelo zoMsebenzi oSolisayo

Iingxelo zomsebenzi okrokrelekayo (SARs) ukumela izixhobo ezibalulekileyo zokubhaqa kunye nokuthintela kumlo ochasene nokuthutyeleziswa kwemali. Amaziko emali kufuneka afake ii-SAR kwiintengiselwano ezithandabuzekayo kunye nemisebenzi ye-akhawunti kwiiyunithi zobuntlola bezemali ukuze kuphandwe ngakumbi.

Ubuchwephesha bokuhlalutya obuphezulu bunokunceda ukufumanisa ukuqikelelwa kwe-99% yemisebenzi eqinisekisiweyo ye-SAR engaxelwanga ngonyaka.

Lilonke, ulungelelwaniso lomgaqo-nkqubo wehlabathi, iinkqubo zokuthotyelwa eziphucukileyo, kunye nolungelelwaniso oluvalelekileyo lwamashishini abucala noluntu luqinisa ukungafihli kwezemali kunye nemfezeko kwimida yonke.

Ukusebenzisa iTekhnoloji ngokuchasene noLwaphulo-mthetho lwezeMali

Itekhnoloji ezisakhulayo zibonelela ngamathuba okutshintsha umdlalo ukuze kuphuculwe ngokumangalisayo uthintelo, ukubonwa, kunye nokuphendula malunga nolwaphulo-mthetho olwahlukeneyo lwezemali.

I-AI kunye nokuFunda ngomatshini

Ubukrelekrele bokwenziwa (AI) kwaye yokufunda umatshini Ubhaqo lwepateni yokuvula i-algorithms ngaphakathi kwedatha enkulu yezemali engaphaya kwamandla omntu. Usetyenziso oluphambili lubandakanya:

Uhlalutyo lobuqhophololo lwentlawulo
Ukufunyanwa kwe-Anti-mali
Ukomelezwa kokhuseleko kwi-Cybersecurity
Ukuqinisekiswa kwesazisi
Ingxelo ekrokrisayo ezenzekelayo
Imodeli yomngcipheko kunye noqikelelo

I-AI yongeza abaphandi be-AML yabantu kunye namaqela okuthobela ukubeka iliso okuphezulu, ukukhusela, kunye nocwangciso lobuchule ngokuchasene nothungelwano lolwaphulo-mthetho lwezemali. Imele icandelo elibalulekileyo lesizukulwana esilandelayo soLwaphulo-mthetho lweMali (i-AFC).

“Itekhnoloji likrele elintlangothi-mbini ekulweni ulwaphulo-mthetho lwemali. Ngelixa idala amathuba amatsha kubaphuli-mthetho, ikwasixhobisa ngezixhobo ezinamandla zokubalandela nokubanqanda.” -UMlawuli oyiNtloko we-Europol uCatherine De Bolle

Uhlalutyo lweBlockchain

Iileja ezisasazwa elubala ngokuphandle ezifana Bitcoin kunye Ethereum blockchain yenza ukuba umkhondo wokuqukuqela kwengxowa-mali uchonge ukuthutyeleziswa kwemali, ubuqhophololo, iintlawulo ze-ransomware, inkxaso-mali yabanqolobi, kunye neentengiselwano ezivunyiweyo.

Iifemu zeengcali zibonelela ngezixhobo zokulandela umkhondo we-blockchain kumaziko emali, amashishini e-crypto, kunye neearhente zikarhulumente zokongamela olomeleleyo nangona ii-cryptocurrencies ezigxile kubumfihlo njengeMonero kunye neZcash.

I-Biometrics kunye ne-Digital ID Systems

Secure itekhnoloji yebhayometriki njengoshicilelo lweminwe, iretina, kunye nokuqondwa kobuso endaweni yekhowudi yokugqitha yoqinisekiso lwesazisi esithembekileyo. Izikhokelo zeSazisi ezikwidijithali eziphucukileyo zibonelela ngokhuseleko oluluqilima ngokuchasene nobuqhophololo obunxulumene nezazisi kunye nobungozi bokwenza imali ngokungekho mthethweni.

API Integration

Vula ujongano lwenkqubo yesicelo sebhanki (APIs) yenza kube lula ukwabelana ngedatha ngokuzenzekelayo phakathi kwamaziko emali ukwenzela ukubeka iliso kwimibutho yabathengi kunye neentengiselwano. Oku kunciphisa iindleko zokuthobela ngelixa uphucula ukhuseleko lwe-AML.

Ukwabelana ngolwazi

Iintlobo zedatha zolwaphulo-mthetho oluzinikeleyo lwezemali luququzelela ukutshintshiselana ngolwazi oluyimfihlo phakathi kwamaziko emali ukomeleza ukubhaqwa korhwaphilizo ngelixa kubambelela kumgaqo ongqongqo wedatha wabucala.

Ngokukhula okubonakalayo ekuvelisweni kwedatha, ukudibanisa ulwazi kuluhlu olukhulu lwedatha kubonisa amandla aphambili ohlalutyo lobuntlola kuluntu nolwabucala kunye nokuthintela ulwaphulo-mthetho.

Izicwangciso eziliqili zaBathathi-nxaxheba abaninzi bokuLwa uLwaphulo-mthetho lwezeMali

Iindlela ezintsonkothileyo zolwaphulo-mthetho lwezemali lwenkulungwane yama-21 zifuna iimpendulo zentsebenziswano phakathi kwabachaphazelekayo behlabathi abahlukeneyo:

Oorhulumente nabaqulunqi bemigaqo-nkqubo

Ukulungelelanisa ulungelelwaniso lolawulo kunye nezikhokelo zolawulo
Ukubonelela ngezibonelelo kwii-arhente zokongamela imali
Ukuxhasa uqeqesho lokuthotyelwa komthetho kunye nokuxhotyiswa ngezakhono

Amaziko emali

Gcina iinkqubo zokuthobela ezomeleleyo (i-AML, i-KYC, ukuhlolwa kwesohlwayo, njl.njl.)
Iingxelo zemisebenzi ezikrokrisayo (iiSARs)
Sebenzisa uhlalutyo lwedatha kunye nolawulo lomngcipheko

Amaqabane eTekhnoloji

Ukubonelela ngohlalutyo oluphambili, i-biometrics, ubukrelekrele be-blockchain, ukudityaniswa kwedatha, kunye nezixhobo ze-cybersecurity

Abalawuli bezeMali kunye naBaphathi

Misela kwaye unyanzelise umngcipheko-based AML / CFT izibophelelo ngokwesikhokelo FATF
Ukusebenzisana ukunqumla imida ukulungisa izoyikiso zengingqi

Iiarhente zoNyanzeliso loMthetho

Khokela kuphando oluntsonkothileyo kunye nokutshutshisa
Khubaza inkxaso-mali yabanqolobi kunye nothungelwano lolwaphulo-mthetho lwamazwe ngamazwe

Imibutho yamazwe ngamazwe

Ukuququzelela ulungelelwaniso lwehlabathi, uvavanyo, kunye nesikhokelo sobugcisa
Ukukhuthaza intsebenziswano kunye nomthamo odibeneyo

Izicwangciso ezibanzi zolwaphulo-mthetho lwemali kufuneka zilungelelanise imigaqo-nkqubo kunye nemimiselo yamazwe ngamazwe kunye nokuphunyezwa kwesizwe, ukunyanzeliswa kwecandelo likarhulumente, kunye nokuthotyelwa kwecandelo labucala.

Amandla amatsha okudityaniswa kwedatha, uhlalutyo lwexesha lokwenyani, kunye nobukrelekrele obuphuculweyo be-AI bukhupha ulwazi olunokusetyenzwa kulo lonke ulwazi oluninzi oluya kwenza ukuba kuqikelelwe kunokuba kuthathwe amanyathelo asebenzayo ngokuchasene nentaphane yobuqhetseba, ubuchule bokurhwaphiliza, ukungena kwi-cyber, kunye nolunye ulwaphulo-mthetho.

Umbono woLwaphulo-mthetho lwezeMali

Ngelixa ixesha lethekhinoloji lizisa amathuba amatsha okuxhatshazwa, likwatshintshela kwi-paradigm ukuya kuphazamiseko olusebenzayo ngokuchasene nempendulo echasene nothungelwano lolwaphulo-mthetho oluzinzisiweyo.

Ngezazisi eziqikelelwayo ezisisi-8.4 seebhiliyoni kwihlabathi liphela ngo-2030, uqinisekiso lwesazisi lubonisa umda okhulayo wothintelo lobuqhophololo. Ngeli xesha, umkhondo we-cryptocurrency ubonelela ngokubonakala okubukhali kweyona thunzi limnyama lentengiselwano.

Nangona kunjalo njengoko i-AI kunye nolungelelwaniso lwehlabathi lugxotha iindawo ezingaboniyo ngaphambili, iiringi zolwaphulo-mthetho zihlala zihlengahlengisa ubuchule kwaye zifudukela kwindawo entsha. Ukukwazi ukucacisa ii-vectors zohlaselo olutsha kunye nokuhlangana kwedijithali kuhlala kubalulekile.

Ekugqibeleni, ukucutha ulwaphulo-mthetho lwezemali kufuna ulungelelwaniso lolawulo, itekhnoloji, kunye nobudlelwane bamazwe ngamazwe ukwenza imfezeko kuqukuqelo lwemali yehlabathi. Iindlela ezithembisayo zibonisa indawo yolawulo kunye nokhuseleko ngokuthe ngcembe, nangona indlela eya kwimfezeko eqhelekileyo ithembisa iipivots ezininzi kunye nophuculo kwiminyaka ezayo.

The Line Bottom

Ulwaphulo-mthetho lwezemali luphembelela umonakalo omkhulu kwihlabathi jikelele ngokusebenzisa amajelo ezoqoqosho, ezentlalo, nezopolitiko. Nangona kunjalo, ulungelelwaniso olomeleziweyo phakathi kwezigaba zikawonke-wonke nezabucala ezigxile elubala, itekhnoloji, uhlalutyo, umgaqo-nkqubo, kunye nentsebenziswano iqhuba iinzuzo ezingaguqukiyo ngokuchasene nemidla yabadlali abasebenzisa izikhewu kulawulo ngengeniso engekho mthethweni.

Nangona isando somtshutshisi sisebalulekile, uthintelo lungcono kunonyango ekunciphiseni inkuthazo kunye namathuba okuba ulwaphulo-mthetho lwezemali lwendele kwiibhanki, kwiimarike nakumacandelo ezorhwebo kwihlabathi liphela. Izinto eziphambili zihlala ziqinisa izikhokelo zemfezeko, ulawulo lokhuseleko, ukuhlanganiswa kwedatha, uhlalutyo lwesizukulwana esilandelayo, kunye nokuqapha okuhlangeneyo ngokuchasene nezoyikiso ezivelayo.

Ubugebenga bezemali buya kuhlala buqhubeka njengengxaki ngaphandle kwaso nasiphi na isisombululo. Nangona kunjalo isikali sayo seetriliyoni zeedola kunye nomonakalo unokuncitshiswa kakhulu ngentsebenziswano ekhutheleyo yehlabathi. Inkqubela phambili ebonakalayo yenzeka mihla le ekuchongeni iipateni, ukuvala ikroba, kunye nokukhanyisa imijelo yethunzi kulo lonke igridi yezemali yamazwe ngamazwe.

Ukuqukumbela: Ukuzibophelela kuMdyarho ochasene neSprint yoLwaphulo-mthetho

Ulwaphulo-mthetho lwezemali luhlala luyingxaki kuqoqosho, kwingeniso karhulumente, kwiinkonzo zoluntu, kumalungelo abantu, ubunye bentlalo, kunye nozinzo lwamaziko kwihlabathi jikelele. Nangona kunjalo, ubambiswano oluzinikeleyo lukarhulumente nelabucala lugxile ekuhleni, uxanduva, ukwamkelwa kwetekhnoloji, kunye nolungelelwaniso lwehlabathi lwenza iinzuzo ezingaguqukiyo ngokuchasene nokusasazeka kwayo.

Izibophelelo zokunika ingxelo ezomeleziweyo, izibonelelo zokulandela umkhondo we-blockchain, iinkqubo ze-ID yebhayometriki, ukudityaniswa kwe-API, kunye nohlahlelo oluphuculweyo lwe-AI ludibanisa ukubonakala kunye nokhuseleko kuzo zonke iziseko ezibalulekileyo zezemali. Ngelixa abadlali abagxekayo bebaleka imikrozo, imfezeko ebanzi kunye nokuzinikela ngokuhlangeneyo kuyakhoma kulo mdyarho wokuchasa urhwaphilizo lweendlela ezibalulekileyo zoqoqosho.

Ngokusebenzisa izikhokelo zolawulo olunenyameko, ubugosa bedatha obunenkathalo, imigaqo yokhuseleko, kunye neenkqubo zokongamela ezisesikweni amaziko emali, abalawuli kunye namahlakani aphakamisa impilo yoluntu yezemali ngokuchasene nolwaphulo-mthetho olutyekele kwingeniso ye-parasitic.