Ubugebengu bezezimali bubhekise ku imisebenzi engekho emthethweni okubandakanya ukuthengiselana kwezezimali okuwumgunyathi noma ukuziphatha kokungathembeki ukuze kuzuze umuntu siqu ngokwezimali. Kunzima futhi kubi kakhulu global udaba oluvumela ubugebengu njenge ukukhwabanisa imali, uxhaso lwamaphekula, futhi nokuningi. Lo mhlahlandlela ophelele uhlola izinto ezibucayi izinsongo, ezikude imithelela, okwakamuva izitayela, futhi ephumelela kakhulu izixazululo ukulwa nobugebengu bezezimali emhlabeni wonke.

Buyini Ubugebengu Bezezimali?

Ubugebengu bezezimali ihlanganisa noma yikuphi amacala angekho emthethweni okubandakanya Ukuthola imali noma impahla ngokukhohlisa noma ngokukhwabanisa. Izigaba ezinkulu zihlanganisa:

Ukuthulwa kwemali: Ukufihla imvelaphi nokunyakaza kwe izimali ezingekho emthethweni kusukela izenzo zobugebengu.
Ukukhwabanisa: Ukukhohlisa amabhizinisi, abantu ngabanye, noma ohulumeni ukuze bathole inzuzo yezimali noma izimpahla ezingekho emthethweni.
I-Cybercrime: Ubugebengu obunikwe amandla ezobuchwepheshe, ukukhwabanisa, noma obunye ubugebengu ukuze kuzuze imali.
Ukuhweba ngaphakathi: Ukusebenzisa kabi ulwazi lwenkampani ezimele ngenzuzo yemakethe yamasheya.
Ukugwazisa/inkohlakalo: Ukunikeza izikhuthazo njengemali ukuze zibe nomthelela ekuziphatheni noma ezinqumweni.
Ukubalekela intela: Ukungamemezeli imali engenayo ukuze kugwenywe ukukhokha izintela ngokungekho emthethweni.
Uxhaso lwamaphekula: Ukunikeza izimali zokusekela imibono yamaphekula noma imisebenzi.

Zihlukahlukene izindlela ezingekho emthethweni ukusiza ukufihla ubunikazi bangempela noma umsuka we imali kanye nezinye izimpahla. Ubugebengu bezezimali buvumela namacala abucayi njengokushushumbiswa kwezidakamizwa, ukushushumbiswa kwabantu, ukushushumbisa, nokunye. Izinhlobo ze-abetment njengokusiza, ukusiza noma ukwakha itulo lokwenza lobu bugebengu bezezimali akukho emthethweni.

Ubuchwepheshe obuyindida kanye nokuxhumana emhlabeni wonke kwenza ubugebengu bezezimali buchume. Nokho, emhlabeni jikelele izinhlangano zithuthuka zididiyelwe izixazululo ukulwa nalesi sihlava sobugebengu ngempumelelo enkulu kunangaphambili.

Isikali Esikhulu Sobugebengu Bezezimali

Ubugebengu bezezimali sebungene ngokujulile emhlabeni umnotho. The Ihhovisi leNhlangano Yezizwe Ezilwisana Nezidakamizwa Nobugebengu (UNODC) ilinganisela isikali sayo esiphelele ku 3-5% we-GDP yomhlaba, emelela okukhulu US$800 billion kuya ku-$2 trillion egeleza emiseleni emnyama minyaka yonke.

I-Global anti-money launddog, i- I-Financial Action Task Force (FATF), ibika ukuthi ukushushumbiswa kwemali kukodwa kuyalingana $1.6 trillion ngonyaka, okulingana no-2.7% we-GDP yomhlaba. Phakathi naleso sikhathi, amazwe asathuthuka angase alahlekelwe ngaphezulu $1 trillion ngonyaka kuhlangene ngenxa yokugwema intela yebhizinisi kanye nokweqa.

Nokho amacala atholiwe kungenzeka amele ingxenye encane yomsebenzi wangempela wobugebengu bezezimali emhlabeni wonke. I-Interpol ixwayisa ngokuthi cishe u-1% wokushushumbiswa kwemali emhlabeni wonke kanye nokuxhaswa ngezimali kwamaphekula kungase kudalulwe. Ukuthuthuka kwezobuchwepheshe ku-AI kanye nokuhlaziywa kwedatha enkulu kunikeza ithemba lokuthuthukisa amanani okutholwa. Nokho, ubugebengu bezezimali bubonakala bungase buhlale bunenzuzo enkulu $900 billion kuya ku-$2 trillion embonini engaphansi komhlaba iminyaka ezayo.

Kwezinye izimo, abantu ngabanye bangabhekana Izinsolo Zobugebengu Bamanga ngamacala ezezimali abangazange bawenze. Ukuba nommeli onolwazi lokuvikela ubugebengu kungabaluleka kakhulu ekuvikeleni amalungelo akho uma ubhekene nezinsolo ezingamanga.

LawyersUAE Guide on Criminal Law ingahlinzeka ngemininingwane ebalulekile ekuzulazuleni ubunkimbinkimbi bomthetho obuzungeze ubugebengu bezezimali, iqinisekise ukuqonda okuphelele nokuhambisana nemithetho nezimiso ezifanele.

Kungani Ubugebengu Bezezimali Bubalulekile?

Izinga elikhulu lobugebengu bezezimali lilingana ne imithelela emikhulu yomhlaba:

Ukuntengantenga komnotho kanye nentuthuko ehamba kancane
Iholo/ukungalingani emphakathini kanye nobumpofu obulinganiselwe
Imali engenayo yentela eyehlisiwe isho izinsizakalo zomphakathi ezimbalwa
Inika amandla ukushushumbiswa kwezidakamizwa/abantu, ubuphekula, nezingxabano
Kucekela phansi ukwethembana komphakathi kanye nokubumbana komphakathi

Ezingeni lomuntu ngamunye, ubugebengu bezezimali bubangela ukucindezeleka okukhulu kuzisulu ngokuntshontshwa kobunikazi, ukukhwabanisa, ukuqola, nokulahlekelwa yimali.

Ngaphezu kwalokho, imali engcolile ingena emisebenzini yebhizinisi evamile njengezindlu ezithengiswayo, ezokuvakasha, izimpahla zikanokusho, ukugembula, nokuningi. Izilinganiso zikhomba amabhizinisi angafika ku-30% emhlabeni jikelele asebenzisa imali ngokungemthetho. Ukusabalala kwayo kudinga ukubambisana komhlaba wonke phakathi kohulumeni, izikhungo zezezimali, abalawuli, abahlinzeki bezobuchwepheshe, nabanye ababambiqhaza ukuze kuncishiswe izingozi.

Izinhlobo Ezinkulu Zobugebengu Bezezimali

Ake sihlole ezinye izinhlobo ezinkulu zobugebengu bezezimali obubhebhezela umnotho wethunzi lomhlaba.

Ukuhlukana Kwemali

The inqubo yakudala of imali yokwehliswa kwemali ibandakanya izigaba ezintathu ezibalulekile:

Ukubekwa - Ukwethulwa izimali ezingekho emthethweni ohlelweni lwezezimali olujwayelekile ngamadiphozithi, izimali ezingenayo zebhizinisi, njll.
Ukwendlalela - Ukufihla umkhondo wemali ngokusebenzisa ukuthengiselana okuyinkimbinkimbi kwezezimali.
Ukuhlanganiswa - Ukuhlanganisa imali "ehlanziwe" emuva emnothweni osemthethweni ngokutshala imali, ukuthenga okunethezeka, njll.

Ukuthulwa kwemali akugcini nje ngokufihla inzuzo yobugebengu kodwa kwenza kube nezinye izenzo zobugebengu. Amabhizinisi angakunika amandla ngokungazi ngaphandle kokuqaphela.

Ngakho, global anti-money laundering (AML) imithethonqubo iyalela izibopho zokubika eziqinile kanye nezinqubo zokuhambisana namabhange nezinye izikhungo ukuze kuliwe nokushushumbiswa kwemali. I-Next-gen AI nezixazululo zokufunda komshini zingasiza ekutholeni ngokuzenzakalelayo i-akhawunti esolisayo noma amaphethini okwenziwayo.

Ukukhwabanisa

Ukulahlekelwa komhlaba wonke kuya ukukhwabanisa kwenkokhelo yedwa kudlulwe $ 35 billion ngo-2021. Imikhonyovu ehlukahlukene yokukhwabanisa ithuthukisa ubuchwepheshe, ukwebiwa kobunikazi, kanye nobunjiniyela bezenhlalo ukuze kube lula ukudluliswa kwemali okungekho emthethweni noma ukufinyelela uxhaso. Izinhlobo zifaka:

Ukukhwabanisa kwekhadi lesikweletu/ledebhithi
Imikhonyovu yobugebengu bokweba imininingwane ebucayi
I-imeyili yebhizinisi ebucayi
Ama-invoyisi mbumbulu
Imikhonyovu kwezothando
Ponzi/pyramid schemes

Ukukhwabanisa kwephula ukwethenjwa kwezezimali, kubangela ukucindezeleka kuzisulu, futhi kwenyusa izindleko kubathengi nabahlinzeki bezezimali ngokufanayo. Izibalo zokukhwabanisa nezindlela zokubala ze-forensic zisiza ukudalula imisebenzi esolisayo ukuze kuqhutshekwe nophenyo lwezikhungo zezezimali nama-ejensi aqinisekisa ukuthotshelwa komthetho.

“Ubugebengu bezezimali budla lubi. Ukukhanyisa amakhona ayo amnyama kuyisinyathelo sokuqala sokuyidiliza.” – U-Loretta Lynch, owayenguMmeli Jikelele wase-US

I-Cybercrime

Ukuhlasela kwe-Cyberate ngokumelene nezikhungo zezezimali kukhuphuke ngo-238% emhlabeni jikelele kusukela ngo-2020 kuya ku-2021. Ukukhula kwezimali zedijithali kwandisa amathuba obuchwepheshe obunikwe amandla. ubugebengu be-inthanethi bezezimali like:

I-Crypto wallet / exchange hacks
I-ATM jackpotting
Ikhadi lokuthenga ngesikweletu
Ukwebiwa kwemininingwane ye-akhawunti yasebhange
Ukuhlaselwa kweRansomware

Ukulahleka kobugebengu be-inthanethi emhlabeni wonke kungase kudlule $ 10.5 isigidintathu eminyakeni emihlanu ezayo. Ngenkathi ukuvikela ku-inthanethi kuqhubeka nokuthuthuka, izigebengu ezingongoti bathuthukisa amathuluzi nezindlela ezithuthuke kakhulu zokufinyelela okungagunyaziwe, ukwephulwa kwedatha, ukuhlaselwa kohlelo olungayilungele ikhompuyutha, kanye nokwebiwa kwezimali.

Ukukhishwa kwentela

Ukugwema intela yomhlaba wonke kanye nokubalekela intela okwenziwa izinkampani nabantu abanenani eliphakeme kubikwa ukuthi bayadlula $500-600 billion ngonyaka. Izintuba eziyinkimbinkimbi zamazwe ngamazwe kanye nezindawo zokukhosela intela zenza kube lula inkinga.

Ukubalekela intela kucekela phansi imali engenayo yomphakathi, kubhebhethekise ukungalingani, futhi kwandise ukuthembela esikweletini. Ngaleyo ndlela ikhawulela uxhaso olutholakalayo lwezinsiza zomphakathi ezibalulekile njengokunakekelwa kwezempilo, imfundo, ingqalasizinda, nokunye. Ukusebenzisana okuthuthukisiwe komhlaba wonke phakathi kwabenzi bezinqubomgomo, abalawuli, amabhizinisi, nezikhungo zezezimali kungasiza ukwenza izinhlelo zentela zingenzeleli futhi zibe sobala.

Amacala Ezezimali Engeziwe

Ezinye izinhlobo ezinkulu zobugebengu bezezimali zihlanganisa:

Ukuhweba ngaphakathi - Ukusebenzisa kabi ulwazi olungelona olusesidlangalaleni ngenzuzo yezimakethe zamasheya
Ukugwazisa/inkohlakalo - Ukuthonya izinqumo noma imisebenzi ngokusebenzisa izikhuthazo zezimali
Ukugwema izijeziso - Ukuzungeza unswinyo lwamazwe ngamazwe ukuze uthole inzuzo
Umgunyathi - Ukukhiqiza imali mbumbulu, imibhalo, imikhiqizo, njll.
Ukushushumbisa - Ukuthutha impahla/izimali ezingekho emthethweni ngaphesheya kwemingcele

Ubugebengu bezezimali buhlangana cishe nazo zonke izinhlobo zezenzo zobugebengu - kusukela ezidakamizweni ezingekho emthethweni nokushushumbiswa kwabantu kuye ebuphekula nezingxabano. Ukwehlukahlukana kanye nezinga lenkinga kudinga impendulo edidiyelwe yomhlaba wonke.

Okulandelayo, ake sihlole ezinye zezitayela zakamuva zobugebengu bezezimali emhlabeni jikelele.

Amathrendi Nentuthuko Yakamuva

Ubugebengu bezezimali buyaqhubeka bukhula buba yinkimbinkimbi futhi bunikwa amandla ubuchwepheshe. Amathrendi angukhiye afaka:

Ukuqhuma Kwe-Cybercrime - Ukulahleka kwe-ransomware, ukuyekethisa kwe-imeyili yebhizinisi, imisebenzi emnyama yewebhu, nokuhlaselwa kokugebenga kuyashesha ngokushesha.

Ukuxhashazwa kwe-Cryptocurrency - Ukuthengiselana okungaziwa ku-Bitcoin, i-Monero nabanye kunika amandla ukushushumbiswa kwemali nemisebenzi yemakethe emnyama.

I-Synthetic Identity Fraud Rise - Abakhwabanisi bahlanganisa imininingwane eyiqiniso nengelona iqiniso ukuze bakhe imininingwane engamanga engalandeleki yomkhonyovu.

Ukwenyuka Kokukhwabanisa Kwenkokhelo Yeselula - Imikhonyovu nokuthengiselana okungagunyaziwe kukhuphuka ezinhlelweni zokukhokha ezifana ne-Zelle, i-PayPal, i-Cash App, ne-Venmo.

Ukukhonjwa Kwamaqembu Asengcupheni - Abakwa-Scamers bagxila kakhulu kubantu asebekhulile, abokufika, abangasebenzi kanye nabanye abantu abasengozini.

Imikhankaso Ye-Disinformation - "Izindaba ezingamanga" nezindaba ezilandiswayo zilulaza ukwethenjwa komphakathi kanye nokuqonda okwabiwe.

Ukukhula Kobugebengu Bemvelo - Ukugawulwa kwamahlathi okungekho emthethweni, ukukhwabanisa kwe-carbon credit, ukulahlwa kwemfucuza, nobugebengu obufana nemvelo buyanda.

Ngasohlangothini oluhle, ukusebenzisana komhlaba wonke phakathi kwezikhungo zezezimali, abalawuli, abomthetho, nabalingani bezobuchwepheshe kuyaqhubeka kukhula ukusuka “kusukela ekujaheni ubugebengu kuya ekubuvimbeleni.”

Izindima Zezinhlangano Ezibalulekile

Izinhlaka ezahlukene zomhlaba zihola imizamo yomhlaba wonke yokulwa nobugebengu bezezimali:

I-Financial Action Task Force (FATF) ibeka izindinganiso zokulwa nokushushumbiswa kwemali (i-AML) kanye namazinga okuxhasa ngezimali okulwa nobuphekula amukelwa emhlabeni jikelele.
Ihhovisi le-UN leDrugs & Crime (UNODC) inikeza ucwaningo, isiqondiso, nosizo lobuchwepheshe emazweni angamalungu.
I-IMF & World Bank hlola izinhlaka ze-AML/CFT zezwe futhi unikeze ukwesekwa kokwakhiwa kwamandla.
I-InterPOL yenza kube lula ukusebenzisana kwamaphoyisa ukuze kuliwe nobugebengu bamazwe ngamazwe ngokusebenzisa ukuhlaziya ezobunhloli kanye nedathabheyisi.
Europol iqondisa ukusebenza ngokubambisana phakathi kwamazwe angamalungu e-EU ngokumelene namanethiwekhi obugebengu obuhleliwe.
Iqembu le-Egmont ixhuma ama-Financial Intelligence Units angu-166 ukuze kwabelwane ngolwazi.
IKomidi Le-Basel Lokuqondisa Kwamabhange (BCBS) inikeza isiqondiso nokwesekwa kokulawulwa komhlaba wonke nokuhambisana.

Ngokuhambisana nezinhlaka zikahulumeni, izikhungo ezilawulayo zikazwelonke kanye nezomthetho njengeHhovisi LoMgcinimafa lase-US Lokulawula Izimpahla Zangaphandle (OFAC), I-UK National Crime Agency (NCA), kanye ne-German Federal Financial Supervisory Authority (BaFin), amabhange amaphakathi e-UAE, namanye aqhuba izenzo zasendaweni. ehambisana namazinga omhlaba.

"Impi yokulwa nobugebengu bezezimali ayinqotshwa amaqhawe, kodwa abantu abajwayelekile benza umsebenzi wabo ngobuqotho nangokuzinikela." – Gretchen Rubin, umbhali

Imithethonqubo Ebalulekile kanye Nokuhambisana

Imithetho eqinile esekelwa izinqubo zokuthobela ezithuthukile ngaphakathi kwezikhungo zezezimali imele amathuluzi abalulekile okunciphisa ubugebengu bezezimali emhlabeni jikelele.

Imithetho Yokulwa Nokungeniswa Kwemali (AML).

Staff imithetho yokulwa nokushushumbiswa kwemali zihlanganisa:

US Umthetho Wezimfihlo Webhange kanye ne-PATRIOT Act
EU AML Directives
I-UK ne-UAE Imithetho Yokukhwabanisela Imali
I-FATF Izincomo

Le mithetho idinga ukuthi amafemu ahlole ubungozi ngenkuthalo, abike ukuthengiselana okusolisayo, enze amakhasimende ngokukhuthala, futhi agcwalise nezinye. ukulandelwa izibopho.

Iqiniswa izinhlawulo ezinkulu zokungathobeli, imithetho ye-AML ihlose ukuphakamisa ukugada nokuphepha ohlelweni lwezimali lomhlaba wonke.

Yazi Imithetho Yekhasimende Lakho (i-KYC).

Yazi ikhasimende lakho (KYC) Izivumelwano zibophezela abahlinzeki bezinsizakalo zezezimali ukuthi baqinisekise ubunikazi bamakhasimende kanye nemithombo yezimali. I-KYC isalokhu ibalulekile ekutholeni ama-akhawunti omgunyathi noma izindlela zemali ezihambisana nobugebengu bezezimali.

Ubuchwepheshe obusafufusa obufana nokuqinisekiswa kwe-ID yebhayomethrikhi, i-KYC yevidiyo, nokuhlola okuzenzakalelayo okungemuva kusiza ukuhlela izinqubo ngokuphephile.

Imibiko Yomsebenzi Osolisayo

Imibiko yemisebenzi esolisayo (ama-SAR) zimelela amathuluzi abalulekile okutholwa nawokuvinjelwa ekulweni nokushushumbiswa kwemali. Izikhungo zezezimali kufanele zifake ama-SAR mayelana nemisebenzi engabazekayo kanye nemisebenzi ye-akhawunti kumayunithi ezobunhloli bezezimali ukuze kuqhutshekwe nophenyo.

Amasu okuhlaziya athuthukile angasiza ekutholeni izilinganiso ezingama-99% zemisebenzi egunyazwe yi-SAR engabikwanga minyaka yonke.

Sekukonke, ukuqondanisa kwenqubomgomo yomhlaba wonke, izinqubo zokuthobela ezithuthukisiwe, nokuxhumana eduze komphakathi nezinkampani ezizimele kuqinisa ukubonakala kwezezimali kanye nobuqotho kuyo yonke imingcele.

Ukusebenzisa Ubuchwepheshe Ngokulwisana Nobugebengu Bezezimali

Ubuchwepheshe obuphuthumayo buveza amathuba okushintsha igeyimu ukuze kuthuthukiswe ngendlela emangalisayo ukuvimbela, ukutholwa, kanye nezimpendulo mayelana nobugebengu obuhlukahlukene bezezimali.

I-AI nokufunda ngomshini

I-Artificial intelligence (AI) futhi ukufunda imishini ama-algorithms avula ukutholwa kwephethini ngaphakathi kwamadathasethi amakhulu wezezimali angaphezu kwamandla omuntu. Izinhlelo zokusebenza ezibalulekile zifaka:

Izibalo zokukhwabanisa kwenkokhelo
Ukutholwa kokulwa nokushushumbiswa kwemali
Ukuthuthukiswa kwe-Cybersecurity
Ukuqinisekiswa kobunikazi
Ukubika okusolisayo okuzenzakalelayo
Ukumodela ubungozi kanye nokubikezela

I-AI yengeza abaphenyi be-AML abangabantu kanye namathimba okuthobela ukuze kuqashwe okuphakeme, ukuvikela, nokuhlela amasu ngokumelene namanethiwekhi obugebengu bezezimali. Imele ingxenye ebalulekile yengqalasizinda yesizukulwane esilandelayo Esilwa Nobugebengu Bezezimali (AFC).

“Ubuchwepheshe buyinkemba esika nhlangothi zombili ekulweni nobugebengu bezezimali. Yize idala amathuba amasha ezigebengu, iphinde isinikeze amandla ngamathuluzi anamandla okuzilandela nokuzivimba.” - Umqondisi Omkhulu we-Europol uCatherine De Bolle

Izibalo zeBlockchain

Amaleja asabalaliswe obala afana I-Bitcoin ne-Ethereum blockchain vumela ukulandelelwa kokugeleza kwezimali ukukhomba ukushushumbiswa kwemali, imikhonyovu, izinkokhelo ze-ransomware, uxhaso lwamaphekula, kanye nentengiselwano egunyaziwe.

Amafemu angochwepheshe ahlinzeka ngamathuluzi okulandelela i-blockchain ezikhungweni zezimali, amabhizinisi e-crypto, nama-ejensi kahulumeni ukuze aqondise ngamandla ngisho nemali eyimfihlo egxile ekuyimfihlo njenge-Monero ne-Zcash.

I-Biometrics kanye ne-Digital ID Systems

Kuphephile ubuchwepheshe be-biometric njengezigxivizo zeminwe, i-retina, nokubonwa kobuso kungena esikhundleni samakhodi okudlula ukuze kuqinisekiswe ubuwena obuthembekile. Izinhlaka ze-ID yedijithali ezithuthukisiwe zinikeza izivikelo eziqinile ngokumelene nokukhwabanisa okuhlobene nobunikazi kanye nezingozi zokukhwabanisa imali.

Ukuhlanganiswa kwe-API

Vula izixhumanisi zokuhlela izicelo zebhange (Ama-API) vumela ukwabelana ngedatha okuzenzakalelayo phakathi kwezikhungo zezezimali ukuze kuqashelwe izinhlangano ezihlukahlukene zama-akhawunti ekhasimende kanye nemisebenzi. Lokhu kunciphisa izindleko zokuthobela ngenkathi kuthuthukiswa ukuvikelwa kwe-AML.

Ukwabelana Ngolwazi

Izinhlobo zedatha ezinikelwe zobugebengu bezezimali zisiza ukushintshisana ngolwazi oluyimfihlo phakathi kwezikhungo zezezimali ukuze kuqiniswe ukutholwa kokukhwabanisa kuyilapho kulandelwa izimiso eziqinile zobumfihlo bedatha.

Ngokukhula okunamandla ekukhiqizeni idatha, ukuhlanganisa imininingwane kuzo zonke izizindalwazi ezinkulu kumelela ikhono elibalulekile lokuhlaziya ubuhlakani bomphakathi nezinkampani ezizimele kanye nokuvimbela ubugebengu.

Amasu Ahlangene Ababambiqhaza Okulwa Nobugebengu Bezezimali

Izindlela eziyinkimbinkimbi zobugebengu bezezimali bekhulunyaka lama-21 zidinga izimpendulo zokusebenzisana phakathi kwababambe iqhaza abahlukahlukene bomhlaba:

Ohulumeni Nabenzi Bezinqubomgomo

Ukudidiyela ukuqondisa kokuqondisa kanye nezinhlaka zokuphatha
Nikeza izinsiza zama-ejensi abhekele ezezimali
Sekela ukuqeqeshwa kokugcinwa komthetho kanye nokwakhiwa kwamakhono

Izikhungo Zezimali

Gcina izinhlelo zokuthobelana eziqinile (i-AML, i-KYC, ukuhlola unswinyo, njll.)
Faka imibiko yemisebenzi esolisayo (SARs)
Sebenzisa ukuhlaziya idatha kanye nokulawulwa kwengozi

Ozakwethu Bezobuchwepheshe

Nikeza ngezibalo ezithuthukile, i-biometrics, ubuhlakani be-blockchain, ukuhlanganiswa kwedatha, namathuluzi we-cybersecurity

Abalawuli Bezezimali Nabaphathi

Setha futhi usebenzise izibopho ezisekelwe engcupheni ze-AML/CFT ngokwesiqondiso se-FATF ngasinye
Sebenzisana nemingcele ukuze ubhekane nezinsongo zesifunda

Ama-ejensi Okuqinisa Umthetho

Hola uphenyo oluyinkimbinkimbi kanye nokushushiswa
Khubaza uxhaso lwamaphekula kanye namanethiwekhi obugebengu bamazwe ngamazwe

Izinhlangano Zomhlaba Wonke

Yenza kube lula ukusebenzisana komhlaba wonke, ukuhlola, nesiqondiso sobuchwepheshe
Thuthukisa ubudlelwano namandla ahlangene

Amasu aphelele obugebengu bezezimali kumele ahambisane nezinqubomgomo nemithetho yamazwe ngamazwe nokusetshenziswa kukazwelonke, ukuphoqelelwa kwemboni yomphakathi, kanye nokuthotshelwa kwezinkampani ezizimele.

Amandla amasha okuhlanganiswa kwedatha, ukuhlaziya kwesikhathi sangempela, kanye nobuhlakani obuthuthukisiwe be-AI buhlakaza imininingwane engasebenza kuyo yonke imininingwane egelezayo ukuze kunikwe amandla okuqagela kunokuba kube nezenzo zokusabela ngokumelene nenqwaba yezinhlobo zokukhwabanisa, amasu okukhwabanisa, ukungenwa kwe-inthanethi, namanye amacala.

I-Outlook for Financial Crime

Nakuba inkathi yobuchwepheshe iletha amathuba amasha okuxhashazwa, iphinde iguqule umbono uye ekuphazanyisweni okubambekayo kanye nokusabela okuqinile ngokumelene namanethiwekhi obugebengu agxilile.

Ngobunikazi obulinganiselwa ku-8.4 billion emhlabeni wonke ngo-2030, ukuqinisekiswa kobunikazi kumelela umngcele okhulayo wokunqanda ukukhwabanisa. Ngaleso sikhathi, ukulandelela imali ye-crypto kunikeza ukubonakala okubukhali ethunzini lokuhweba elimnyama kakhulu.

Kodwa njengoba i-AI kanye nokuxhumana komhlaba wonke kuqeda izindawo eziyizimpumputhe zangaphambili, izindandatho zobugebengu zihlala zijwayela amasu futhi zifudukela ezindaweni ezintsha. Ikhono lokunquma ama-vector amasha okuhlasela kanye nokuphambana kwezindlela zedijithali kuhlala kubalulekile.

Ekugcineni, ukunciphisa ubugebengu bezezimali kudinga ukugadwa okuhambisanayo, ubuchwepheshe, kanye nobudlelwano bamazwe ngamazwe ukuze kuvunyelwe ubuqotho kuzo zonke izimali zomhlaba. Izindlela ezithembisayo zibonisa izindawo zokulawula nezokuphepha zithuthuka kancane kancane, nakuba umgwaqo obheke ebuqothweni obujwayelekile uthembisa ama-pivots amaningi kanye nokuthuthukiswa eminyakeni ezayo.

Iphuzu Eliyinhloko

Ubugebengu bezezimali bubhebhezela ukulimala okukhulu emhlabeni jikelele ngokusebenzisa imigudu yezomnotho, yezenhlalakahle, yezepolitiki. Kodwa-ke, ukuqondanisa okuqinisiwe phakathi kwezinhlaka zomphakathi nezizimele ezigxile ekuboniseni izinto obala, ezobuchwepheshe, izibalo, inqubomgomo, nokuhlanganyela kuqhuba izinzuzo ezingaguquki ngokumelene nezintshisakalo zabadlali abaxhaphaza izikhala zokubusa ukuze benze inzuzo engekho emthethweni.

Nakuba isando sabashushisi sisabalulekile, ukuvimbela kungcono kunokwelapha ekwehliseni izinxephezelo kanye namathuba okuba ubugebengu bezezimali bugxile kuwo wonke amabhange, izimakethe, kanye nemikhakha yezohwebo emhlabeni wonke. Okubalulekile kusalokhu kuqinisa izinhlaka zobuqotho, izilawuli zokuphepha, ukuhlanganisa idatha, ukuhlaziya kwesizukulwane esilandelayo, kanye nokuqapha okuhlangene ngokumelene nezinsongo ezivelayo.

Ubugebengu bezezimali cishe buzoqhubeka njengesizinda senkinga ngaphandle kwanoma yisiphi isisombululo esiphezulu. Nokho isilinganiso sayo samadola ayizigidigidi kanye nokulimala kungancishiswa kakhulu ngokusebenzisana okukhuthele emhlabeni jikelele. Inqubekelaphambili ebonakalayo ivela nsuku zonke ekutholeni amaphethini, ukuvala izintuba, kanye nokukhanyisa imigudu yethunzi kuwo wonke umkhakha wezezimali wamazwe ngamazwe.

Isiphetho: Ukuzibophezela kuMarathon ngokumelene ne-Crime's Sprint

Ubugebengu bezezimali bulokhu bungumonakalo kwezomnotho, izimali ezingenayo zikahulumeni, izinsiza zomphakathi, amalungelo abantu ngabanye, ukubumbana komphakathi, nokuzinza kwezikhungo emhlabeni wonke. Kodwa-ke, ubambiswano oluzinikezele lukahulumeni nezizimele olugxile ekwazisweni obala, ekuziphenduleni, ekwamukelweni kobuchwepheshe, kanye nokuxhumana emhlabeni jikelele lwenza izinzuzo ezingaguquki ngokumelene nokusabalala kwakho.

Izibopho zokubika eziqinisiwe, izinhlinzeko zokulandelela i-blockchain, amasistimu e-ID ye-biometric, ukuhlanganiswa kwe-API, nokuhlaziya okuthuthukisiwe kwe-AI kuhlangana ekubonakaleni nasekuvikelekeni kuyo yonke ingqalasizinda yezezimali. Nakuba abadlali abangenangqondo begijima bedlula ezintubeni, ubuqotho obunabile kanye nokuzinikela njengeqembu kuyabusa kulo mjaho wokulwa nenkohlakalo yezindlela ezibalulekile zomnotho.

Ngokusebenzisa izinhlaka zokubusa ezikhuthele, ukuphathwa kwedatha okunomthwalo wemfanelo, izimiso zokuphepha, nezinqubo zokwengamela zezimiso zokuziphatha izikhungo zezezimali, abalawuli kanye nozakwethu bathuthukisa impilo yezezimali yomphakathi ngokumelene nesigebengu esizimisele ukwenza inzuzo eyisinambuzane.