Esikhathini lapho ubuchwepheshe bezimali buguqula iziteshi zokuthengisa nezokutshala izimali, umqondo wokuthenga igolide emshinini uthuthuke kusuka ekubeni into eyimangalisayo kuya kusixazululo esiyinkimbinkimbi se-fintech. Emashumini eminyaka ayishumi nesine edlule, imishini yokuthengisa igolide—eyaziwa nangokuthi ama-ATM egolide—ishintshe kusuka ezintweni zikanokusho zokubuka kuya ezinkundleni zokuthengisa ezixhunywe ngedijithali ezisekelwe kudatha ezibonisa izinguquko ezibanzi ekusetshenzisweni kwegolide emhlabeni.

Umatshini wanamuhla wokuthengisa igolide uqala eJalimane. Ngonyaka ka-2009, inkampani i-TG Gold-Super-Markt, esekwe eStuttgart, yethula omunye wemishini yokuqala emhlabeni yokukhipha igolide ngokuzenzakalelayo ngaphansi kohlobo oluthi “Gold to Go.” Ukufakwa kokuqala okubalulekile e-Abu Dhabi kwadonsela ukunakwa kwemidiya yomhlaba wonke.

Ngokungafani nezitolo zamasiko zobucwebe noma abathengisi be-bullion, umshini uvumela amakhasimende ukuthi athenge izinduku zegolide ezincane nezinhlamvu zemali ngqo nge-kiosk ezenzakalelayo. Amanani ayelungiswa ngesikhathi sangempela ngokusekelwe kumazinga emakethe yegolide yamazwe ngamazwe. Lo mbono uhlanganise:

Izibuyekezo zamanani egolide abukhoma

Ubuchwepheshe bokuthengisa obuvikelekile

Ukutholakala amahora angu-24 ngosuku, izinsuku ezingu-7 ngeviki

Amanani okuthengisa acacile

Ngaleso sikhathi, lo mbono wawuthathwa njengowokudala—ngisho njengophawu—uphawu lwesimo segolide njengento yobukhazikhazi kanye nendawo ephephile yezezimali.

Ngemuva kokwethulwa kwayo, oomatshini bokuthengisa igolide bavela ezindaweni zezindiza, ezitolo ezinkulu, kanye namahhotela eYurophu naseMiddle East. Imithombo yezindaba yachaza njengokuhlanganiswa kwezinto zokuthengisa ezibizayo nokuzenzakalela kwezezimali.

Nokho, oomatshini besizukulwane sokuqala babekade benza imisebenzi eyisisekelo. Umsebenzi wabo oyinhloko wawulula: ukuthengisa izinduku zegolide noma izinhlamvu zemali ezipakishwe ngaphambili ngamanani emakethe esikhathi sangempela. Ukugxila kwakuhlala ku:

Ukudayiswa kwezinto ezingukhethelo ezibonakalayo

Izinhlelo zokukhokha eziphephile

Ukukhipha okuzenzakalelayo

Izindawo ezibonakala kakhulu

Nakuba zihlaba umxhwele ngobuchwepheshe, lezi zinhlelo zazisebenza kakhulu njengezinto zokudayisa ezisezingeni eliphezulu kunokuba izinhlelo zezinsizakalo zezimali ezihlanganisiwe.

Ekuqaleni kwawo-2020, ubuchwepheshe bokuthengisa igolide baqala ukuthuthuka kakhulu. Ukuhlanganiswa kwezimali zedijithali, ukuqinisekiswa kobunikazi, nokuphathwa kwempahla eku-inthanethi kwaguqula umqondo kusuka ekuthengiseni okuzenzakalelayo okumane kube yisistimu exhaswe yi-fintech.

I-ATM yegolide yanamuhla ayisayona nje umshini odayisa izinduku zegolide—iyingxenye yenethiwekhi ebanzi yezezimali neyokuthengisa ehlakaniphile.

Ikusasa Lobuchwepheshe Bokuthengisa Igolide

Njengoba isidingo sabathengi sezimpahla ezivikelekile siqhubeka futhi ingqalasizinda yezezimali yedijithali ivuthwa, oomatshini bokuthengisa igolide babekwe lapho kuhlangana khona:

I-Fintech

I-Smart retail

Ukwenziwa kwezinto okuzenzakalelayo

Ukuhweba ngegazi okweziwele

Ukuphathwa kwezimpahla zedijithali

Izintuthuko zesikhathi esizayo zingabandakanya:

Ukuqinisekiswa kwegolide okuxhunywe ku-blockchain

Ukuqinisekiswa kwe-biometric

Ukuthuthukiswa kwamanani okusekelwe ku-AI

Amapulatifomu omhlaba wonke wokubhekwa ukude

Izinhlelo ezihlanganisiwe zokugaywa kabusha nokuthengwa emuva

Lokho okwaqala eStuttgart njengesivivinyo esinesibindi sokuthengisa manje sesiphenduke umkhuba omusha womhlaba wonke, ohlanganisa ubuchwepheshe bezimali, ukukhiqiza okuhlakaniphile, kanye nokuthengisa okuzenzakalelayo.

Imishini yokudayisa igolide ayiseyona nje izimpawu zokunethezeka—iyingxenye yokuguquka kwedijithali kwezohwebo lwezinto eziyigugu.

Ezikhungweni zezimali, imikhiqizo yegolide, kanye nabaphathi bezitolo ezihlakaniphile abafuna isixazululo esithembekile nesihlakaniphile sokudayisa igolide, ukubambisana noumkhiqizi ochwepheshe we-Gold ATMkuqinisekisa amandla ezobuchwepheshe kanye nokuncintisana emakethe yesikhathi eside.