Kwishura Ikarita Biratinda, Birahenze, kandi bipfa - Dore ibyo Abaguzi Bahindukirira Ahubwo

Kuzamura amafaranga yamakarita hamwe no kwishyurwa bitera ibiciro bitari ngombwa, mugihe abakiriya ubu biteze uburambe bwo kwishyura bwihuse. Kwishura-banki nuburyo bworoshye kuruta ubundi, kandi biragenda bidashoboka ko ubucuruzi bwirengagiza.

Kwishura kuri banki nuburyo bwo kwishyura kuri konti ikoreshwa na banki ifunguye. Amabanki asangira neza APIs nababitanga babifitemo uruhushya, kandi abayikoresha bemerera kwishyura binyuze mumabanki yabo. Ubwishyu bwo kwishyura burenga imiyoboro yamakarita.

Bimwe mubyingenzi byingenzi byishyurwa na banki harimo umuvuduko, umutekano, hamwe no kugenzurwa nabakiriya. UX iroroshye, kandi ibiciro biri hasi kuva imiyoboro yamakarita itabigizemo uruhare.

Noneho, reka turebe imibare - muri 2018, mu Bwongereza hari amafaranga 320.000 yishyuwe na banki mu Bwongereza. Kugeza mu 2024, iyo mibare yaturikiye igera kuri miliyoni 224 . Ubwongereza buyoboye Uburayi, hamwe na 13% by’abakoresha bakoresha imibare na 18% by’ubucuruzi buciriritse bumaze kujyamo.

Mugihe isoko ryisi yose rizagera kuri miliyari 164.8 zamadorali muri 2032 , 2025 niyo ngingo. Dore impamvu gufungura amabanki biteganijwe gutangira uyu mwaka, niki kizatera iterambere ryihuse.

Abenegihugu ba Digital barimo gusobanura ubwishyu

Benshi batekereza ko abaguzi bashizwe muburyo bwo kwishyura, borohewe namakarita hamwe nu mufuka wa digitale, kandi ntibizere ikoranabuhanga rishya. Ariko ibi birahinduka hamwe nabenegihugu ba digitale bafata icyiciro rusange.

Muri 2025, Gen Z igizwe na 30% by'abakozi ku isi. Iyaruka ryakuze hamwe na terefone zigendanwa, ntabwo zihitamo gusa ibisubizo bya mbere - barabiteze.

Fata intsinzi ya banki zihanganye nka Revolut mubwongereza. Baturitse mubyamamare batanga amabanki yihuta, adahuzagurika, bitandukanye na banki z'umurage wuzuye. Ntabwo bitangaje kuba 78% byimyaka igihumbi bakoresha banki zigendanwa, kandi kimwe cya kane bafite konti yabo yambere ya banki hamwe na banki yonyine.

Gen Z irabijyana kure. Bamara amasaha arenga ane kumunsi kurubuga rusange, ibicuruzwa byubushakashatsi kumurongo, no gutwara ubucuruzi bwimibereho. Bizera udushya kuri sisitemu gakondo. Mastercard's Rise of Open Banking ubushakashatsi irabyemeza - Gen Z niyo ishishikajwe no gukoresha fintech.

Ikinyagihumbi na Gen Z ntibishobora kuba abakire cyane, ariko batwara ejo hazaza ha e-ubucuruzi. Kwishura-banki byakozwe kuri bo - nta bisobanuro birambuye byamakarita, nta ntambwe yinyongera, gusa byihuta kandi byorohereza UX kuri konti kuri konti yagenewe umuvuduko, byoroshye, n'umutekano.

Ubucuruzi bwumva uburyo abumva batekereza bazatera imbere. Ikibazo ntabwo niba kwishyura-banki bizatangira - nuburyo uzamenyera vuba.

- Lasma Kuhtarska, washinze, Umuyobozi mukuru ushinzwe ingamba muri Noda .

Iterambere ryigenga: IPR & PSD3

API zikomeye hamwe nubuyobozi bwubwenge ni urufunguzo rwo kwihutisha kwishyurwa na banki. Muri 2025, ntabwo ihinduka rimwe ariko bibiri byingenzi byahinduwe bizagutera imbere.

Ubwa mbere, Umuryango w’ubumwe bw’ibihugu by’Uburayi (IPR) uzasaba amabanki yose na PSP gutanga amayero ako kanya, bikemurwa mu masegonda 10, 24/7, hakurya y’umupaka. Iri ni ihinduka rikomeye kuva 25-isegonda ibanza, gusunika amabanki kuzamura sisitemu byihuse. Kuva muri Mutarama 2025, banki zigomba kubona ubwishyu bwihuse. Ukwakira 2025, bagomba no kubohereza.

Iyi ni umukino uhindura wenyine, ariko uhujwe na banki ifunguye, irwanya imbuga zamakarita. Kwishura byihuse, abahuza bake, n'amafaranga make - nibyo rwose ubucuruzi n'abaguzi bashaka.

Iyindi mpinduka ikomeye ni PSD3, iteganijwe gutangira muri 2026.Bizakemura ibibazo byingenzi byadindije gutangira amabanki hakiri kare. Amabanki azasabwa gutanga APIs zikomeye, zikora cyane, zizewe neza kandi zihamye. Bazagomba gutangaza raporo yimikorere ya API no gukuraho imipaka idakenewe yabanje gukora amabanki afunguye.

Aya mabwiriza asunika amabanki kuzamura, bigatuma banki ifunguye byihuse, byizewe, kandi byemewe cyane. Hamwe no kwishyura ako kanya hamwe na PSD3 yihuta mu iterambere, 2025 niyo ngingo. Imishinga ifata hakiri kare izakomeza imbere yaya marushanwa.

VRPs ifungura kwishyura-by-banki mu Bwongereza

Imwe mu mbogamizi zikomeye zo kwishyurwa na banki ni ukutagira uburyo bworoshye bwo kwishyura. Bitandukanye no kwishura amakarita cyangwa kubitsa mu buryo butaziguye, gakondo yishyurwa na banki yasabaga abakoresha kwemeza buri gikorwa kimwe - bigatuma bidashoboka kwiyandikisha, kuba umunyamuryango, no kwishyura byongeye.

Ariko ibyo byarahindutse. Impinduka zisubirwamo zishyurwa (VRPs) zatangije uruhushya rwo kubaho igihe kirekire, bivuze ko abakiriya bemeza rimwe hanyuma bagashyiraho manda yo kwishyura ifite imipaka kumubare ninshuro. Nyuma yibyo, ubwishyu bubaho mu buryo bwikora - nta mpamvu yo kongera kwemeza buri gihe. Abakiriya bakomeza kugenzura, hamwe nubushobozi bwo guhindura cyangwa guhagarika manda zabo umwanya uwariwo wose.

Muri make, VRPs ihuza uburyo bworoshye bwo gufungura amabanki hamwe no koroshya inguzanyo itaziguye hamwe no kwiyandikisha ku ikarita, kandi imbaraga zirimo kububaka. NatWest na HSBC bamaze gushyira ahagaragara VRP zo kohereza konti, kandi muri Gicurasi 2022, NatWest yatunganije ubucuruzi bw’ubucuruzi bwa mbere mu Bwongereza VRP. Mu itegeko rya CMA, banki icyenda nini zo mu Bwongereza zigomba gushyigikira VRP mu guhanagura, bigatanga inzira yo kwaguka kwagutse.

Ihinduka rikuraho inzitizi nyamukuru yo kwishyura-banki isimbuza uburyo bwa gakondo bwo kwishyura. Hamwe namabanki akomeye yatangije VRPs, ubucuruzi buhuza kwishura-banki noneho bizabona inyungu yambere.

- Lasma Kuhtarska, washinze, Umuyobozi mukuru ushinzwe ingamba muri Noda.

Kuki 2025 aricyo gihe cyiza cyo guhinduranya kuri banki

Abashoramari bazi ko kwishyura-banki ari ejo hazaza, ariko benshi barashobora gutindiganya, batinya kwishyira hamwe bigoye, uburyo bwo kwishyura buke, hamwe ningaruka zo guhungabanya gahunda zabo. Niyo mpamvu rwose ubu aricyo gihe cyo gukora.

Numufatanyabikorwa mwiza, guhuza umushahara-na-banki biroroshye. Noda ikuraho ibintu bigoye, itanga igisubizo cyoroshye, icomeka-na-gukina igisubizo gikorana nuburyo bwo kwishyura. Abashoramari barashobora kwakira amakarita mugihe bongeyeho banki ifunguye kugirango igenzurwe neza kandi ihendutse. Itanga amabanki afunguye APIs kimwe niteguye-gukoresha-amacomeka kumurongo wa e-ubucuruzi, bigatuma gushiraho bitagorana. Kubucuruzi budafite igenzura ryubatswe, nta-kode yo kwishyura, amahuza yo kwishyura hamwe na QR code ibemerera gutangira kwakira ubwishyu kuri banki ako kanya.