Impendulo ibonisa ingxelo yesibini ye "Cloud kwiiNkonzo zeMali", eyenziwe ngokubambisana ne-European Banking Federation, i-Inshurensi yaseYurophu kunye neeprofesa ezivela kwi-Imperial College Business School kunye neYunivesithi yaseCalifornia, eSanta Barbara. Le ngxelo inika umbono obanzi wobume bokwamkelwa kwenkonzo yezemali, kugxilwe kwimiba ephambili efana neqhinga, ulawulo, ulawulo kunye neenkcukacha.
Ndiyabulela kwiimbono ezivela kwiiprojekthi zefu ezingaphezu kwe-1.200 eziqhutywe nguMpendulo kunye nodliwano-ndlebe kunye neenkokheli zoshishino, ingxelo ibonisa uhlalutyo oluthelekisayo lweenguqu, imingeni kunye namathuba abonisa indlela yamaziko emali ukuya efini. Iziphumo zophando lwe-pan-European olwenziwe phakathi kukaDisemba 2022 kunye noMatshi 2023, ekhokelwa ngoonjingalwazi kwi-Imperial College Business School eLondon, yongeza ulwazi olungaphezulu kwingxelo.
Ngokumalunga nezicwangciso zoshishino kunye nelifu, ingxelo ibonelela ngemibono emitsha kunye nedatha yekhonkrithi kwiinkalo ezifana neendleko kunye nokuguquguquka, kugxininisa ukubaluleka kokuqwalasela ukwamkelwa kwamafu kungekhona nje utshintsho lwezobuchwepheshe, kodwa njengento esebenzayo yokufikelela kwiinjongo ezintsha zoshishino.
Olu vavanyo lukwaqaqambisa ukuzingisa kwemingeni enxulumene nothotyelo lolawulo kunye nokongamela kwedatha, ngokumangalisayo i-81% yabaphenduli basajonga oku njengemicelimngeni emikhulu (ukusuka kuma-73% ngo-2021). Ngokuphawulekayo, i-34% yabaphenduli bakhankanya le miba njengomngeni ophambili wokwamkela izisombululo zamafu kumaziko abo emali.
Iziphumo zophando zikwatyhila imbono eyahlukileyo yokufunda koomatshini, ngaphandle komdla obanzi. Ngokukodwa, i-27% iqinisekisa ukuba ayisebenzisi iimpawu zokufunda ngomatshini, ngelixa i-34% kunye ne-16% ingxelo elinganiselwe kunye nokusetyenziswa okuphakathi ngokulandelanayo. Ngokwahlukileyo, i-10% ibonisa ukwamkelwa okukhulu kwaye kuphela i-5% idibanisa ngokubanzi ubuchule bokufunda koomatshini. Le datha inika uthelekiso olunentsingiselo phakathi kokuphunyezwa okucwangcisiweyo kunye nokwenyani kokufunda umatshini wokuphucula ifu.
UNelson Phillips, uNjingalwazi woLawulo lweTekhnoloji kwiYunivesithi yaseKhalifoniya, eSanta Barbara, wathi: “Le ngxelo ibonisa ukuba ngoxa ukwamkelwa ngokusemthethweni kuye kwaba ‘ngumsebenzi njengesiqhelo’ kwiinkonzo zezimali, iingenelo zokufuduka kumafu zahluka ngokuphawulekayo kuxhomekeka kwindlela esetyenziswa ngayo. Iinkampani zithatha ukuphumeza, kunye nokuzimisela kwazo ukujonga ngaphaya kokonga iindleko. "
UFreddy Gielen, uMlingane oLawulayo kwiMpendulo, wongeze wathi: "Ingxelo kunye novavanyo lubonisa ukuba eyona mpembelelo iphambili yokuphunyezwa kwamafu kwinzuzo yeziko lezemali kusenokwenzeka ukuba iqhutywe kukunyuka kwengeniso kunokunciphisa iindleko ezilula."
Ukuze ufunde kabanzi malunga nokuvela kwe-cloud landscape kwiinkonzo zemali, khuphela ingxelo epheleleyo "yeLifu kwiiNkonzo zeMali".
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