Nizɛri sarali Azi saheli-kɔrɔn fɛ: Aw ka san 2024 ɲɛnamaya gafe walasa ka jago yiriwa

Nizɛri sarali tsunami min bɛ Azi saheliyanfan fɛ

n' i bɛ jago kɛ Azi saheliyanfan fɛ , i ka warimarayɔrɔ bɛ ka kɛ fɛn tolen ye . O mara in bɛ ka wariko jiginni na, ni nizɛri wari sarali hakɛ bɛna tɛmɛ dɔrɔmɛ miliyari 1,5 kan san 2025. K’a ta nbɛdaw la dumuni feerelaw la Bangkok ka taa se tekinoloji daminɛw ma Singapuri, jiginni ka bɔ warijɛ la ka taa nizɛri la, o tɛ ko ye min bɛ kɛ dɔrɔn — a ye jago siraw sinsinni jɔnjɔn ye. Jagokɛlaw bolo, o bɛ cogo di u ma, min ɲɔgɔn ma deli ka kɛ fɔlɔ, walasa ka baara kɛcogo ɲɛ, ka kiliyanw ka yɔrɔ kuraw da wuli, ani ka siniɲɛsigi se i ka sosiyete ma. Nka ka taama nin yɔrɔ tilalen in na min bɛ taa teliya la, o bɛ fɛɛrɛ jɛlen de wajibiya. Fɛnɲɛnɛmafagalanw, fɛɛrɛ kuraw, ani marabolow ka fɛnɲɛnɛmaw faamuyali tɛ ŋaniyataama ye tugun ; a nafa ka bon ɲɛnamaya ni yiriwali la .

Mun na nizɛri sarali bɛ ka caya SEA kɔnɔ

Nizɛri sarali teliya la Azi saheli-kɔrɔnfɛla bɛɛ kɔnɔ, o bɛ bɔ fɛnw ka ɲɔgɔn sɔrɔli barikama fɛ. A fɔlɔ, jamanaden hakɛ fangatigi bɛ yen : mara kɔnɔ jamanaden miliyɔn 680 la, 70% ni kɔ si tɛ san 40 bɔ, u bɛ bɔ nizɛrikan na, wa u b’a fɛ kosɛbɛ ka nɔgɔya sɔrɔ. Filanan, telefɔni seleke naani doncogo cayara san fɛ, a tɛmɛna 75% kan jamanaw kɔnɔ i n’a fɔ Malasi ani Singapuri, o kɛra sababu ye ka wariko baara minnu bɛ kɛ mobili fɔlɔ la, olu bɛ se ka sɔrɔ miliyɔn caman fɛ. Sabanan, COVID-19 bana in kɛra teliyaba ye, ka hali feerekɛlaw ni jagokɛlaw bila ka sigasiga kosɛbɛ, ka taa jagokɛtaw la minnu tɛ ɲɔgɔn sɔrɔ, lakana kama.

Gofɛrɛnamanw fana bɛ ka nin jiginni in lawuli kosɛbɛ. Fɛɛrɛ minnu kɛra i n’a fɔ Tayilandi ka PromptPay ani Singapuri ka PayNow, olu ye bankiw ni ɲɔgɔn cɛ fɛnw bilali siraw dabɔ waati yɛrɛ la, minnu musaka ka dɔgɔ, ka kɛ kɔkanna ye nizɛri wari sarali baara caman na. O kɔlɔlɔ ye sugu ye, nizɛri waribɔlanw i n’a fɔ GoPay, GrabPay, ani Touch ’n Go eWallet bɛ ka caya i n’a fɔ waribɔlan farikoloma. Jagokɛlaw fɛ, o kɔrɔ ye ko i ka kiliyanw bɛ ka a jira ka taa a fɛ ka wari sara ni i bolo digi, ni skan ye, walima ni i ye i digi. Ni i ma se ka nin sugandi ninnu di, o tɛ gɛlɛya dɔrɔn ye — o ye feereli bali tilennen ye.

Jɛkulu jɔnjɔnw : SEA saracogo ɲɛjiralan

Azi saheli-kɔrɔnfɛla sarako siratigɛ la, a tɔgɔ bɔra kosɛbɛ ko a tilalen don, k’a sɔrɔ tulonkɛla kelen tɛ fanga la jamana bɛɛ kɔnɔ. Ɲɛtaa bɛ ɲini ka sigida ɲɛmɔgɔw ni super-appw faamuya, i ka kiliyanw bɛ baara kɛ ni minnu ye don o don.

Super-App Ecosystems: GoTo, Grab, and Sea Limited

Nin ​​tekinolojitɔnba ninnu ye ekosisɛti belebelebaw jɔ yɔrɔ minnu na, wari sarali ye kola sirili ye ride-hailing, dumuni lasecogo, ɛntɛrinɛti jago, ani wariko baarakɛyɔrɔw la. GoTo ka GoPay min bɛ Ɛndonezi jamana na, o ye fɛn ye min nafa ka bon kosɛbɛ, a bɛ dɔrɔmɛ miliyari caman kɛ jago la san o san. O cogo kelen na, Grab ka GrabFinancial baarakɛminɛnw donna mɔgɔ miliyɔn caman ka don o don ɲɛnamaya kɔnɔ mara kɔnɔ. Ni i farala nin yɔrɔ ninnu kan, o bɛ se ka kɛ sababu ye ka se teliya la baarakɛlaw ka baarakɛyɔrɔba la, min bɛ baara kɛ.

Bank-Led Solutions ani QR Codes

Jamana ka QR kode sariyaw, i n’a fɔ Ɛndonezi ka QRIS ani Mali ka DuitNow QR, olu bɛ ka fɛn caman sɛmɛntiya jagokɛlaw ka wari sarali la. U b’a to banki suguya wɛrɛw ka kiliyanw ka se ka kode kelen sɛgɛsɛgɛ, o bɛ sɔnni nɔgɔya jagokɛla misɛnninw fɛ. Tuma caman na, o siratigɛw bɛ dɛmɛ sɔrɔ banki sanfɛlaw fɛ, ka lakana ni baarakɛɲɔgɔnya sabati.

Dunia jamanaw ka jagokɛla ŋanaw ni Fintech Innovators

Tulonkɛlaw i n’a fɔ Visa, Mastercard, ani Apple Pay bɛ yen, nka u bɛ ɲɔgɔn sɔrɔ ni sigida fɛɛrɛ wɛrɛw ye minnu barika ka bon. O waati kelen na, fintech daminɛbagaw bɛ ka fɛn kuraw don ka taa a fɛ ni sanni-sisan-sara-kɔfɛ (BNPL) sugandiliw ye ani blockchain-based solutions, ka layɛrɛ caman fara wari sarali ɲagaminen kan.

Sariyasen kɔrɔw ni sariya labatoli I tɛ se ka u ɲɛmajɔ

Ka baara kɛ SEA sugu caman na, o kɔrɔ ye ka wariko sariyaw ka ɛntɛrinɛti gɛlɛn dɔ lajɛ. Ni aw ma sariya labato, o bɛ se ka kɛ sababu ye ka alamaɲi caman sara walima ka aw ka wari sarali baarakɛyɔrɔw dabila pewu.

Jamana kelen-kelen bɛɛ n’a ka banki sanfɛla walima wariko ɲɛmɔgɔso don min bɛ wari saracogo nizɛri kɔlɔsi. Misali la, Bangko Sentral ng Pilipinas (BSP) min bɛ Filipine jamana na, sariya kɛrɛnkɛrɛnnenw b’a bolo ka ɲɛsin ɛntɛrinɛti waribɔlaw ma (EMI), k’a sɔrɔ Banki Indonezi bɛ yamaruya di ka lase gɛlɛnw di wari saracogo dibagaw ma. Fɛnba dɔ ye kunnafonidilaw ka sigidako gɛlɛya ye, min b’a ɲini jamanadenw ka jago kunnafoniw ka mara jamana dancɛw kɔnɔ. o ɲininiw faamuyali kabini a daminɛ na, o nafa ka bon kosɛbɛ sugu doncogo n'a baaracogo ɲuman na.

"Jagokɛla bɛ se ka filiba min kɛ, o ye ka Azi saheli-kɔrɔnfɛla minɛ i n'a fɔ sugu kelen. Sarako sariyaw, feerekɛlaw ka fɛɛrɛw, ani fɛnsɔrɔsiraw bɛ danfaraba la ni Manila ni Hanoi cɛ. Fɛɛrɛ min bɛ kɛ ka caya, o tɛ bonyali ye—o ye wajibi ye ka kɔn o ɲɛ."(Blockquote>) - Fintech Analyst kɔrɔ

Jago nafa yelenw ka taa nizɛri la

Nizɛri sarali tali bɛ tali kɛ fɛn caman na ka tɛmɛn waati taabolo kan. A bɛ nafa jɔnjɔnw di, minnu bɛ bɔ duguma, minnu bɛ se ka i ka jago baarakɛcogo sɛmɛntiya.

• Fɛɛrɛbɔ ni kiliyanw jiginni caya : Ka saracogo ɲumanw di, o bɛ dɔ bɔ ɲɔgɔnkanu la waribɔ waati. Kunnafonidila min bɛ se ka wari sara n’a ka ɛntɛrinɛti waribɔlan ye min ka di a ye kosɛbɛ, o ka teli ka sanni kɛ ka ban. Kalanw y’a jira ko jagokɛlaw minnu bɛ wari saracogo caman di nizɛrikan na, olu bɛ se k’a ye ko fɛn caman tigɛli hakɛ bɛ caya fo ka se 30% ma.
• Wari taabolo ɲuman ni baarakɛcogo ɲuman : Nizɛri wari sarali bɛ sigi joona ka tɛmɛ sɛki walima wari bilali kan, ka wari bila i ka jatebɔsɛbɛn kɔnɔ tile damadɔ kɔnɔ walima hali o yɔrɔnin bɛɛ. O bɛ wariko ɲɛ ka taa a fɛ ani ka wariko ɲɛnabɔli nɔgɔya. Bɛnkanw kɛli otomatiki la, n’o bɛ kɛ ni kunnafonidilanw ye i n’a fɔ Mewayz, o bɛ kunnafonidilanw doncogo ban bolo la, ka lɛrɛ tan ni caman bɔ kalo kɔnɔ.
• Lakanali yiriwali ani farati dɔgɔyali : Nizɛri jago bɛ jatebɔ sira dɔ labɛn, ka faratiw dɔgɔya minnu bɛ sɔrɔ warijɛ farikoloma caman tali n’u marali la, i n’a fɔ sonyali ani hadamadenw ka filiw. Encryption ni tokenization kɔrɔlen bɛ kiliyanw ka kunnafoniw lakana minnu ka gɛlɛn kosɛbɛ ka tɛmɛ warimarayɔrɔ kan.
• Kiliyanw ka hakilina nafamaw : Nizɛri jago bɛɛ bɛ kunnafoniw dilan. Ni i ye wari saracogo sɛgɛsɛgɛ, i bɛ se ka sanni kɛcogo faamuya, k’i ka kiliyan nafamaw dɔn, ani ka feereli kanpaɲiw labɛn ni tiɲɛni ye min tɛ se ka da a la.

Gafe min bɛ taa ni senna-taama ye walasa ka sara nizɛriw fara ɲɔgɔn kan

I labɛnnen don ka tɛmɛn? Nin ye fɛɛrɛ ɲuman ye, min bɛ kɛ senfɛ-senfɛ, walasa ka nizɛri wari sarali don i ka Azi saheli-kɔrɔnfɛla jago la cogo nɔgɔman na.

1. Sɛgɛsɛgɛli kɛ sugu kɛrɛnkɛrɛnnenw kan : Aw kana a miiri ko min bɛ baara kɛ Singapuri, o bɛ baara kɛ Wiyetinamu. Aw ka kiliyan laɲinitaw bɛ baara kɛ ni wari saracogo 3-5 minnu ye, aw k’olu jira jamana kelen-kelen bɛɛ la aw bɛ baara kɛ minnu na.Aw ye sigida suguya kunnafoniw lajɛ ani ka ɲɔgɔndankɛlaw ka jatebɔ sɛbɛnw sɛgɛsɛgɛ.
2. Sara sira ɲuman walima yɔrɔ ɲuman sugandi : PME fanba fɛ, ka baara kɛ ni sigida kelen ye i n’a fɔ Mewayz, o de ye sira ye min bɛ baara kɛ kosɛbɛ. Sani i ka kumaɲɔgɔnya kɛ ni wari sarabaga suguya tan ye, i bɛ se ka modulu dɔ baara min bɛ sigida fɛɛrɛbaw fara ɲɔgɔn kan — k’a ta banki ka wari bilali la ka se ɛntɛrinɛti waribɔ ma — API kelen fɛ. O bɛ jɛɲɔgɔnya, bɛnkan, ani ɲɛnabɔli nɔgɔya.
3. Lakanali ni sariya labatoli bila jɔyɔrɔ fɔlɔ la : Aw ni aw ka wari sarabaga ka baara kɛ walasa ka sigida sariyaw bɛɛ dafa, kɛrɛnkɛrɛnnenya la kunnafoniw dogolenw ni u marali lamini na. SSL seereyaw waleya i ka siti kan ani ka baara kɛ ni baarakɛminɛnw ye minnu bɛ bɛn PCI-DSS ma walasa ka kiliyanw ka kunnafoniw lakana.
4. I ka don ɲɔgɔn na ani k’a kɔrɔbɔ ka ɲɛ: I ka wari sarali API don i ka siti kan, i ka porogaramu kɔnɔ, walima i ka feerekɛyɔrɔ sitɛmu kɔnɔ. O kɔfɛ, aw bɛ ko bɛɛ kɔrɔbɔ min bɛ se ka kɛ — wari sarali ɲɛtaa, jago dɛsɛlenw, wari seginni — walasa ka kiliyanw ka ko kɛlenw sɔrɔ cogo la min tɛ gɛlɛya.
5. Aw ka aw ka jɛkulu dege ani ka sugandi kuraw yiriwa : Aw ye aw jija aw ka baarakɛlaw y’a faamu saracogo kura bɛ baara kɛ cogo min na. O kɔfɛ, i ka sugandi kuraw fɔ i ka kiliyanw ye imɛri kanpaɲiw fɛ, sosiyete ka kunnafonidilanw fɛ, ani maganw kɔnɔ taamasiyɛnw fɛ. Aw k’a nɔgɔya u bolo ka saracogo kura, nɔgɔyalenw sɔrɔ ani ka baara kɛ n’u ye.

Siniɲɛsigi bɛ yan : BNPL, Embedded Finance, ani CBDCs

Nizɛri sarali jiginni bɛ daminɛ dɔrɔn SEA kɔnɔ. Jagokɛlaw ka kan k’u ɲɛ jɔ fɛnw na minnu bɛ ka bɔ kɛnɛ kan, minnu bɛna jago siratigɛ nata ɲɛfɔ.

San-Sisan-sara-kɔfɛ (BNPL) baarakɛlaw bɛ ka fanga sɔrɔ kosɛbɛ, kɛrɛnkɛrɛnnenya la, feerekɛla fitininw cɛma. Ni aw ye tɔnɔ tɛ min na, o bɛ se ka dɔ fara kosɛbɛ komandi hakɛ danmadɔw kan. Nafolo min bɛ don a kɔnɔ, o ye dancɛ wɛrɛ ye, wariko baarakɛlaw bɛ don yɔrɔ min na cogo la min tɛ wariko ye. Miiri k’a filɛ, so jɔli minɛnw feerela dɔ bɛ minɛn minnu bɛ don u kɔnɔ, olu ka jago di feereyɔrɔ la—o ye siniko ye. A laban na, SEA ka banki sanfɛla caman, Tayilandi Banki fana sen bɛ o la, olu bɛ ka Banki Cɛmancɛ ka warijɛ digitɛriw (CBDC) kɔrɔbɔ kosɛbɛ. K’a sɔrɔ a daminɛ na hali bi, CBDCw bɛ se ka laban ka sariyasɛbɛn kura dɔ da, min lakananen don kosɛbɛ nizɛrikan na.

ka i ka jago bila jɔyɔrɔ fɔlɔ la nizɛri-fɔlɔ waati la

Ɲininkali min bɛ jagokɛlaw bolo Azi saheli-kɔrɔn fɛ, o tɛ *ni* i ka kan ka nizɛri wari sarali ta tugun, nka *i bɛ se k’o kɛ teliya la cogo min na ani cogo min na* Sugu ye wote kɛ n’a ka telefɔni seleke naani ye, wa kiritigɛlaw jɛlen don : nizɛri ye default ye. Ni i ye nin jiginni in minɛ, i tɛ wari saracogo dɔ fara a kan dɔrɔn; i bɛ jago dɔ jɔ min bɛ se ka muɲu, min bɛ baara kɛ ka ɲɛ, ani min sinsinnen bɛ kiliyanw kan. Baarakɛminɛn minnu b’a to o ka se ka kɛ, k’a ta wari saracogo jɛlenw na ka taa a bila jagokɛyɔrɔw bɛɛ la kelen na i n’a fɔ Mewayz, olu bɛ se ka sɔrɔ ka tɛmɛn fɔlɔ kan. Waati min bɛ kɛ ka wale kɛ, o ye sisan ye, walasa i ka jago kana taa ɲɛ dɔrɔn, nka a bɛ sara ɲɛminɛ mara in ka sɔrɔko nizɛri nisɔndiyalen kɔnɔ.

Ɲininkali minnu bɛ kɛ tuma caman na

Nizɛri wari saracogo jumɛnw ka di kosɛbɛ Azi saheli kɔrɔnyanfan fɛ ?

Fɛɛrɛ minnu ka di kosɛbɛ, olu tɛ kelen ye jamanaw kɔnɔ nka a ka c’a la, sigida ka ɛntɛrinɛti waribɔlanw bɛ yen i n’a fɔ GoPay (Indonezi), GrabPay (mara bɛɛ kɔnɔ), Touch ’n Go eWallet (Malaysi), ani GCash (Filipin), ka fara jamana ka QR kode sitɛmuw kan ani banki wari bilali kan.

Yala a ka ɲi ka sɔn nizɛri sarali ma n ka jago misɛnnin na wa ?

Ɔwɔ , ni baara bɛ kɛ ni sarali dakunw ye minnu tɔgɔ ka di, minnu bɛ labɛn. Nizɛri wari sarali ka teli ka lakanaba di ka tɛmɛ warijɛ kan, n’o ye kodɔn ye, nanbara kɔlɔsili fɛ, ani jatebɔ sira jɛlen fɛ, o bɛ dɔ bɔ sonyali ni bɔnɛ faratiw la.

ne bɛ se ka sɔn wari saracogo caman ma cogo di k' a sɔrɔ sigicogo gɛlɛn ma kɛ ?

Ka baara kɛ ni jagokɛyɔrɔ kelen ye i n’a fɔ Mewayz min bɛ wari saracogo modulu di min bɛ sigida fɛɛrɛba dɔw fara ɲɔgɔn kan. O b’a to i bɛ se ka wari saracogo suguya caman ɲɛnabɔ jɛ-ka-baara kelen fɛ, ka sigicogo ni bɛnkan nɔgɔya.

Yala sara dogolenw bɛ yen minnu bɛ tali kɛ nizɛri wari saracogo la wa ?

a ka c'a la, sara bɛ kɛ kɛnɛ kan , wa a ɲɛfɔlen don sarako ɲɛnabɔbaga fɛ . A ka c’a la, u bɛ kɛmɛsarada la fitinin dɔ don jago kelen-kelen bɛɛ la, nka o musakaw bɛ bɔ tuma caman na ni feereli ni baarakɛcogo ɲuman sɔrɔli caya ye.

nizɛri sarali bɛ n dɛmɛ cogo di ka n ka kiliyanw faamuya ka ɲɛ ?

Nizɛri sarali bɛ kunnafoni nafamaw di sanni kɛcogo kan, o b’a to i bɛ se ka taabolo sɛgɛsɛgɛ, ka kiliyan kantigiw dɔn, ani k’i ka jago ni fɛnmara latigɛw labɛn ka kɛɲɛ ni musaka kɛcogo lakikaw ye.