Ukunyuka Kwamathebhulethi e-NFC Tap-to-Pay: Amathrendi Nezinzuzo Ezilolonga Ikusasa Lezinkokhelo
Emhlabeni ochazwa ngokwandayo uguquko lwedijithali, ubuchwepheshe be-NFC (Near Field Communication) buye bavela njengesisekelo sezinhlelo zokukhokha zesimanje. Izixazululo zokuthepha ukuze ukhokhe, ikakhulukazi lezo ezihlanganiswe namathebulethi, ziguqula indlela amabhizinisi amukela ngayo izinkokhelo, anikeze ukunethezeka, ukuvikeleka, nokuvumelana nezimo. Ake sihlole amathrendi athuthukayo kanye nezinzuzo ezibalulekile eziqhuba ukwamukelwa kwamathebulethi e-NFC wokuthepha ukuze ukhokhe.
I-Evolution kanye namathrendi amanje
Ukunyuka kwe-Tap to Pay, kungalandelelwa emuva ngo-2020, unyaka obalulekile wezinkokhelo ngaphandle kokuthintwa, Ubhubhane lwangemva kobhubhane, abathengi namabhizinisi ngokufanayo abeka phambili ukuxhumana okungenamsebenzi, amadivaysi anikwe amandla yi-NFC, okuhlanganisa ama-smartphone namathebulethi, aseyindinganiso kubathengi namabhizinisi.
Umbiko we-US Federal Reserve unikeza ubufakazi obuqand' ikhanda: Ngo-2018, izinkokhelo zamakhadi ezingaxhunywanga eziyizigidi ezingama-700 zaba yizigidi eziyizinkulungwane ezingama-20 zamaRandi. Lokhu kukhuphuke kwafinyelela ezigidini eziyizinkulungwane eziyi-1.6 ekwenziweni, okwafinyelela ezigidini eziyizinkulungwane ezingama-50 zamarandi ngo-2019, ngo-2020, ukukhishwa kwamakhadi angathintwa ebhange kukhuphuke kakhulu, futhi inani lemisebenzi yokukhokha ngamakhadi ngaphandle kokuthinta likhuphuke ngo-172.3% laya ku-3.7 bhiliyoni, okulingana ne-US$110 billion. Ukusetshenziswa kwezikhwama zamaselula kukhuphuke ngo-29% unyaka nonyaka, okuvumela abathengi abaningi ukuthi bamukele le ndlela yokukhokha elula.Eqinisweni, inhlolovo yango-2021 ye-NGPF yembula ingqopha-mlando: ngaphezu kwesigamu sabantu baseMelika bebesebenzisa izinkokhelo ngaphandle kokuthintana.Izinga lokungena kwe-smartphone lifinyelela ku-69% ngo-2023 .Ngokwemibiko yemboni, ngaphezu kuka-80% wokusekelwa okungenamsebenzi kwama-smartphones amasha we-NFC emhlabeni wonke manje asekela i-seamless ye-NFC. Izingxenyekazi ezifana ne-Apple's Tap to Pay ne-Google Pay ziye zaphinda zajwayela lobu buchwepheshe, okuvumela abathengisi ukuthi baguqule amadivayisi abo abe amatheminali okukhokha ngaphandle kwehadiwe eyengeziwe. Ochwepheshe babikezela ukuthi izinkokhelo zomhlaba wonke zokukhokha ngaphandle kokuthinta kulindeleke ukuba zidlule **$1.2 trillion** ngo-2026, eziqhutshwa ama-smartphone kanye nethebhulethi ye-NFC Tap to Pay.
Izinzuzo Eziyinhloko zamathebulethi e-NFC Tap to Pay
Ukusebenzisana kwe-Cross-Industry
Ubambiswano phakathi kwabahlinzeki benkokhelo, izikhondlakhondla zezobuchwepheshe, nezikhungo zezezimali zandisa amandla okuthola imali ukuze ukhokhe. Ukuhlanganiswa kwe-PayPal ne-Apple's Tap to Pay, isibonelo, kuvumela izigidi zamabhizinisi amancane ase-US ukuthi amukele izinkokhelo ngokuqondile ngama-iPhone, kuqede isidingo sezinhlelo ze-POS ezizinikele. Ukusebenzisana okunjalo kwenza kube nentando yeningi ukufinyelela kumathuluzi okukhokha athuthukile, kunika amandla amabhizinisi amancane nama-freelancers.
Ukusebenza Kwezindleko Nokufinyeleleka
Ngokungafani nezinhlelo ze-POS ezivamile, amathebulethi okuthepha ukuze ukhokhe asusa izindleko zehardware yangaphambili kanye nokuqashwa kwanyanga zonke. Amabhizinisi angasebenzisa amadivayisi akhona kakade (isb., ama-iPads noma amathebulethi e-Android) ukuze acubungule izinkokhelo, ukuba lula kwawo—awekho amaphinikhodi, amasiginesha, noma amakhadi aphathekayo adingekayo—okuyenza ifaneleke kubathengisi bamaselula, izitolo eziphumayo nabahlinzeki besevisi abasebenza lapho usohambeni.
Ukuvikeleka Okuthuthukisiwe
Ezokuphepha zihlala zibalulekile ezinkokhelweni ngaphandle kokuthinta. Imisebenzi ye-NFC isebenzisa ukubethela kanye nokwenza amathokheni ukuze kuvikelwe idatha ebucayi, kuyilapho ukuqinisekiswa kwebhayomethrikhi (isb, i-Face ID noma izithwebuli zezigxivizo zeminwe) kwengeza isendlalelo esengeziwe sokuvikela. Lezi zinyathelo zinciphisa ingozi yokukhwabanisa, zakha ukwethembana phakathi kwamakhasimende nabathengisi.
Umuzwa Othuthukisiwe
Ngezikhwama zedijithali (i-Apple Pay, i-Google Pay, i-Samsung Pay), abasebenzisi bangashiya izikhwama zabo ekhaya. I-Tap-to-pay inikeza imisebenzi eseduze, enciphisa izikhathi zokulinda kanye nokwenza lula izinqubo zokuphuma. Amakhasimende angakhokha ngamakhadi, izikhwama zemali yedijithali (i-Apple Pay Google Pay), noma amawashi ahlakaniphile, ahlinzekele okuthandwayo okuhlukahlukene. Emabhizinisini, lokhu kuhumushela emazingeni aphezulu okwaneliseka nokuphinda uxhaso. Futhi ama-SME ayazuza ezindlekweni ezincishisiwe, njengoba Ukuthepha ukuze Ukhokhe kuqeda isidingo sezingxenyekazi zekhompuyutha ezizinikele ze-POS. Izimali zifakwa ngokushesha, kuthuthukisa ukuhamba kwemali nokusebenza kahle.
I-Future Trajectory
Ukwandiswa Ngaphandle Kokuthengisa
Amathebulethi we-NFC wokuthepha ukuze ukhokhe azivumelanisa namamodeli ebhizinisi ahlukahlukene. Kungakhathaliseki ukuthi isetshenziswa ekhofini elimatasatasa, iloli lokudla, noma ekunakekelweni kwezempilo (izinkokhelo zesiguli ezingathinteki) kanye nezithuthi zomphakathi (izinkokhelo zokugibela ngama-smartphone), zinikeza inkululeko yokucubungula izinkokhelo noma yikuphi ngoxhumo lwe-inthanethi. Isibonelo, amadolobha emhlabeni jikelele ahlanganisa i-Tap to Pay kumasistimu wesitimela esihamba ngaphansi komhlaba, anciphisa ukuthembela kumathikithi aphathekayo.
Ubuchwepheshe be-NFC busezingeni lomhlaba wonke, buvumela ukuthengiselana okuwela imingcele. Ezifundeni ezifana ne-US, UK, ne-Australia, izixazululo zokuthepha ukuze ukhokhe sezivele zamukelwa kabanzi, izimakethe ezisafufusa eLatin America naseNingizimu-mpumalanga ye-Asia zamukela i-Tap to Pay. Ubambiswano phakathi kwabahlinzeki bezinkokhelo nabakhiqizi bezingxenyekazi zekhompuyutha kuzosheshisa ukukhishwa kwakho emhlabeni jikelele.
I-Sustainability Push
Ukuthembela okuncishisiwe emalini nasemakhadini epulasitiki kuhambisana nemigomo eco-friendly, okwenza i-Tap to Pay ibe ukukhetha okuluhlaza kubathengi namabhizinisi ngokufanayo.
Ikusasa le-NFC Tap-to-Pay
Njengoba ubuchwepheshe be-NFC buqhubeka nokuvela, singalindela ukuhlanganiswa okujulile namathrendi asafufusa njenge-AI ne-IoT. Isibonelo, izibalo zokubikezela zingase zithuthukise ukugeleza komsebenzi wokukhokha, kuyilapho amadivayisi e-IoT angase anike amandla ukuthepha ukuze ukhokhe kuzilungiselelo ezingajwayelekile (isb., imishini yokuthengisa ehlakaniphile).
Amathebulethi we-NFC wokuthepha ukuze ukhokhe amelela ushintsho olushintshayo ezinkokhelweni—okuhlanganisa ukunethezeka, ukuphepha, nokuvumelana nezimo ukuze kuhlangatshezwane nezidingo zomnotho wedijithali osheshayo. Kumabhizinisi afuna ukuhlala enokuncintisana, ukwamukela lobu buchwepheshe akuyona nje inketho; kuyisidingo.
Usulungele ukufakazela isistimu yakho yokukhokha esikhathini esizayo? Hlola ukuthi i-NFC tap-to-pay ingakhuphula kanjani ukusebenza kwebhizinisi lakho namuhla.
Isikhathi sokuthumela: Mar-18-2025
