
 
 Iintsuku ezingu-20 yokwakha i-fintech kunye ne-payments, kunye ne-AI ngoku. Iintsuku ezingu-20 yokwakha i-fintech kunye ne-payments, kunye ne-AI ngoku. 2006: A Fingerprint is Not “Just a Picture” 2006: A Fingerprint Is Not "Just A Picture" Ndingathanda kusebenza kwiiprojekthi zobuchwepheshe ukususela kwiYunivesithi. Kwixesha elidlulileyo, ndingathanda ukuba iiprojekthi ezininzi ze-mathematics kunye ne-Excel eyenza ngokwenene kwiimeko ezininzi kunye neengxaki zebhizinisi. Oku kunokwenzeka ngoku, kodwa ngokwabelana kwakhona ayikho kwakhona kwimeko. Ngexesha elide, ndingathanda ukufikelela kwiinkampani ebonakalayo ukuba yonke into efanelekileyo kwangaphakathi, ngexesha elifanelekileyo, kwaye izifundo ezininzi ziye ziye zibonakalisa ngenxa yayo. Ndingaphambili, ndingathanda ukuba ukufumana i-fingerprint ayikho "kunye umfanekiso." Yinto yindawo yokuqala yokuguqula "izibini ezizodwa" kwiimveliso ze-identity ezibonakalayo kwaye zibonakalisa njengoko i-image quality scores, i-false positives kunye ne-false negatives, kunye neyilo enkulu yokufunda ukuba ukufumana into yokuthengisa kunye neendlela. Kwakhona kunokwenzeka namhlanje kwi-risk management: i-clean, i-no enamandla kunokwenzeka kunokuba kunzima kunokuba yi-expensive, i-yes enzima. Xa bonke baqala inkqubo, iziphumo kunye neziphumo zihlanganisa. Iinkqubo zethu zilungele indlela yokulawula iingxaki kunye nokukhutshwa kwezimali ngelixa ukugcina inkonzo yobugcisa elungileyo kunye nokufumana kwixesha lokufaka. Ngoko ke, kubalulekile ukufikelela apho siqhatyelela isicelo, indlela yokwenza nge-grey area (ezinye iimeko kwi-edge), kwaye indlela yokulawula ukuguqulwa kunye nabasebenzi bethu kunye, ngexesha elinye, kunye nabathengi bethu, abafumene ukuba ingxaki yobugcisa. Kwakhona sikwazi ukuba ezinye abasebenzisi ezifanelekileyo ziyafumaneka ukuchitha. Kubaluleke ngokufanelekileyo kunye nenkqubo zethu zangaphambili ze-identity namhlanje, kodwa isifundo likh Ngoko ke, yintoni ama-metric eyenza? I-FAR (i-false acceptance rate) kunye ne-FRR (i-false rejection rate). Sifunyenwe kwimiphumo (i-false results), kwaye engaphezulu kakhulu, zihlanganisa kwiindawo ezahlukeneyo. Emva koko siphinde i-EER (i-equal error rate), nto leyo leyo apho iintlobo ezimbini zihlanganisa. Yaye iye ziye ziye zithembisa kwaye zilungele ngexesha le-mathematics iyenza kwi-finance faculty, kodwa ngoku ndiyabakhokela kwihlabathi ebonakalayo. Ukucacisa apho ukufikelela, okanye apho ukucacisa i-threshold, kuxhomekeke kwi-risk appetite yethu (ok 2012: “Real Time” Meant a Few Minutes 2012: "I-Real Time" I-Meant A Few Minutes Ngexesha elandelayo ngo-2012. Ngeqela elikhulu lwezinkampani zeengcali kunye nabathengi, sisakhiwa i-flow ebonakalayo (ngaphansi kwimiveki ezininzi end-to-end), kodwa ngeli xesha, yaba i-breakthrough. Thina usebenzisa i-iPad yeemveliso yokuqala, i-hack iindlela zokufaka i-hardware eyenziwe yi-Apple (izixhobo ze-giant), kwaye i-applications ze-external ezisebenza. Thina usebenze i-OCR kwiifoto zeekamera ze-external nge-higher than 8 megapixel. Kwakhona ngaphandle kokufumana, sisebenza i-bot yokwenza i-web scraping yokuqala kwi-registers ze-publish, kwaye thina iink Kwixesha elifanayo, ibonakala njengemidlalo ye-LEGO: indlela yokuguqula i-camera, apho ukutyelela i-fingerprint reader, kunye neendlela ukongeza i-scanner yokufunda i-barcodes. Kukho kwakhona ukufumana indlela yokuxhuma izixhobo xa i-tablet ayikho iiports. Iimodeli yokuqala iye yenzelwe njenge-hardware ye-Frankenstein, engapheliyo ukuba umntu omnye uqhagamshelane ngexesha elandelayo kwihlabathi yokufunda amakhasimende. Emva kweminyaka embalwa embalwa, kwakhona ilungileyo, kodwa ilungele. Sifunyenwe kakhulu kwi-project: inkqubo yethu entsha yaba "ngokunyanzeleka" kwaye ilungele nezidingo zebhizinisi. Emva Ngoko ke, iinyanga ezisixhenxe ezidlulileyo kwiintlobo ezimbini, kwaye kufuneka ukhangele ukuba ubuchwepheshe akuyona ezininzi ezahlukileyo. Iintlobo ezimbini zilungise ukuba ubuchwepheshe yaba indlela yokuguqula iimveliso kunye nokufaka ulwazi lwezinto ezisebenzayo kwiiprojekthi ezisebenzayo, apho i-mathematics inokunyusa izixazululo ezininzi ezijongene nokuphumula kwezimali. Emva koko, iinkcukacha ziye ziye ziye zihlanganisa izixazululo ezibonisa imali okanye ukuphazamiseka. Ukuba unemali, iimodeli, kunye ne-technology, okanye ukuba ungenza izinto ezahlukileyo, ixesha lakho lithunyelwa. Today It is Not a “New Tech Era,” It is The “AI Speedup Era.” Ngoku Kukho "New Tech Era", Kukho "I-AI Speedup Era". Thina ukuhambisa ukuya ku-2025. Iintsuku ezingu-13, kunye nezixhobo ezahlukileyo ngokupheleleyo, ngoko into ethandwa ngo-2012 ibonelela ingxaki. Nge-telephone, sinayo isixhobo esivela iinkonzo ezincinane kwaye ibonelela kwi-platform epheleleyo. Unokufunda iividiyo, ukudlala umculo, kwaye ukuguqulela kwi-payment receiver okanye i-sender, kwaye kwakhona kwi-credit epheleleyo isisombululo. Namhlanje kunzima ukufikelela i-business eyenza emzimbeni yakho, ukuthatha iingcebiso ze-intelligent, ukusabela kwi-e-mails, kunye nokusebenza iingcebiso ezinxulumene ne-instructions yakho, okanye ngexesha kuxhomekeke kwim Enye ingqungquthela elikhulu yinto ukuba akuyona kuphela ukuxhaswa idatha okanye ukuxhaswa iintlawulo; kuxhomekeke ukunxibelelanisa iintlawulo elandelayo elungileyo. Qinisekisa izisombululo zokuqala ze-biometric apho siqhathanisa iingcebiso kwi-database ukuxhaswa i-identity yaye ngoko kuquka iintlawulo ezintsha ze-data ukuze yenza ukhetho we-analytic elula. Namhlanje, i-system inokufumana umxholo owenziwe kakhulu ukuxhaswa ngexesha elandelayo, ngokuxhomekeka iidatha kunye nokuxhomekeka iingcebiso ezininzi kwi-process. I-LLMs (iimodeli ezininzi ze-language) ziye kubandakanya indlela yokusebenza kwihlabathi. Akukho ngoku kunokwenzeka ukuba iingcali zibonise i-code njengoko kwiminyaka eyadlulayo. I-Cursor, i-V0, kunye ne-GitHub Copilot ziye ziye zibonise indlela yokusungula izisombululo. Kwakhona, iinkqubo ze-automation zinezinyango ezahlukileyo, ngenxa yokuba i-Make ne-n8n zinezinto ze-LLMs ezihlabathi kwaye ziyafumaneka ngaphezulu kwezicelo ezininzi. I-developer inokufuneka i-webhook yesampula kwaye uyakwazi ukuvelisa kwimizuzu. I-risk okanye i-business analyst inokufunda is Practical Recommendations For Those Building the Future of Fintech and Payments: Iingcebiso ezisebenzayo kumadokhumenti we-fintech kunye ne-payments: 
 
 
 
 
 
 
 
 Think about the problem and stay close to it; technology and AI are powerful tools to build and solve real problems, smarter and faster. 
 
 What is fast today will not be tomorrow, so accept that “fast enough” keeps changing. Build today and be prepared to rebuild even before launch. 
 
 Trending topics appear and disappear; without fundamentals, there is no innovation and no real solutions. Do not forget that metrics, models, and risk thresholds still define success. 
 
 Hacking needs to be the rule; do not stop experimenting and shipping solutions. The best lessons come from testing things and building on top of them. 
 
 AI allows us to build more and create more value, not the opposite. What took a full team in 2012 can now be done by one person if they use the right tools and stay curious. Now imagine a whole team working that way; incredible things can be delivered in a short time. Closing Thoughts Ukulungiselela Imibuzo Yintoni ndingathanda ukuba ukuba usebenzise into elandelayo, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke, ngoko ke.

This story contains new, firsthand information uncovered by the writer.

The is an opinion piece based on the author’s POV and does not necessarily reflect the views of HackerNoon.

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