Uma umuntu ukhangela ikhadi noma ukuguqulela imali ye-digital, zihlanganisa ngokuqondile izinhlelo ezinzima ukuvikela ibhizinisi yabo. Ngaphandle kwelinye imizuzu yomhlaba, abacwaningi Njengomkhiqizi we-product, uye wathatha iminyaka engaphezu kwama-20 yokukhipha izinhlelo ezinobuchwepheshe ezingenalutho zokuthengisa emhlabeni jikelele. Ukusebenza kwayo kunezihlanganisa ubuchwepheshe, ukulawula, kanye nokuphendula kwamanani ngezindlela ezinzisa ukulahleka kwedijithali futhi zihlanganisa. Kishore Sunderajulu Ukulinganiswa phakathi kwamakhemikhali kanye ne-protection Iphakheji yokudluliselwa unemibuzo ephelele phakathi kwama-innovation ne-security. Ngokwesibonelo, izindlela ezintsha ezifana ne-e-commerce ne-mobile wallets zitholela indawo kanye nokudluliselwa kwe-contactless. Ngenxa yalokho, izimpendulo zokudluliselwa ezinzima zihlanganisa. Ngaphezu kwalokho, izidingo zokuxhumana ze-global ezifana ne-PCI-DSS, PSD2, neDurbin Regulation II zihlanganisa ngaphezulu. Nangona kunjalo, uKishore uye wahlanganyela ukuhlangabezana kwezi zincwadi zokuthuthukiswa. "I-Inspiration yami yokwakha umkhakha kwebhizinisi webhizinisi wahlanganyela emangalisayo ukuthi ubuchwepheshe ingakwazi ukwenza i-transactions yobuchwepheshe engabizi, asebenzayo, futhi enhle abantu emhlabeni wonke," wathi. Ukuthuthukiswa kusuka ku-EMV Payments kuya ku-Tokenization Iphrofayili yokuqala esilinganiselwe ne-Fintech yokuguqulwa kwama-magnetic stripes ezingenalutho ku-EMV chip cards. Ukusebenza nge-over a hundred banks and merchants ehlabathini lonke ukuvumela ubuchwepheshe ezintsha zokhuseleko amakhadi. Lezi umsebenzi wahlala izakhiwo zokhuseleko zokuhweba ezintsha. Lezi zithunyelwe ngokuvamile ukuthi ukuxhuma kwamakhasimende ngamazwe kungcono ukuthuthukisa ukhuseleko kwamakhasimende. Kishore   ikhaya Ku-Discover Financial Services, u-Kishore wahlala izinhlelo eziyinhloko ezintsha indlela yokuthumela yinkampani ku-digital payments. I-Discover yasungula ukuthumela kwelinye amakhadi ye-EMV ye-contactless debit card, i-D-PAS ispecifications ezivula ukuhlangabezana nezinqubo zokulawula, futhi i-Emerging Payments Platform yokusekela i-tokenization ku-Discover Pulse switch. Izinzuzo ziye zihlanganisa Discover njenge-leader e-innovation ye-digital payments futhi i-EMVCo 3DS 2.3.1. "Ngithanda ngokufanayo ukuthi ukuvuselelwa kwe-strategic kungase kubhalwe isakhiwo se-legacy kanye nokuguquka indlela yokuxhumana nabathengi nge-money," wathi. Ukusungulwa kwayo kunikeza ukwandisa ama-30% yokuthintela ngokunemba kanye nokunciphisa ama-25% kwezimpendulo zokuthintela ezingenalutho. Lezi iziphumo zibonisa ukuthi ukuxhumana ne-creativity angakwazi ukuxhumana.   I-Secure and Inclusive Digital Finance “Ukuqaleni yami , Ngitholela isinyathelo kanye nokuthuthukiswa kwama-product esihlanganisa ukunikezela iziphakamiso ezigcwele, ezikhishwe, futhi zihlanganisa emakethe ngamazwe, "Kishore uthi. Umphumela wakhe jikelele kuyinto ukunciphisa ukuxhumana kwezimpendulo nge-double-digit. Uyakwazi ukwenza imikhiqizo yokudlulisela okwenza ukhuseleko enhle futhi esebenzayo kuzo zonke i-transaction. Imininingwane ye-Marqeta Ngo-arena ye-financial technology leadership, i-Kishore inikeza Ukusebenza lokhu kusiza ukucacisa ukucaciswa kwe-transaction security, i-tokenization, ne-multi-factor authentication frameworks. Ukucaciswa kwayo nokufunda kubonakala ku-International Journal of Science and Research kanye ne-Advanced International Journal of Multidisciplinary Research. Izindaba ze-peer-reviewed .  Umthombo we-Trusted Frameworks One of Kishore’s strengths liquka ukuguqulwa kwezimpendulo zokusebenza ngokushesha. Uma abanye bakwazi ukuxhumana nezimfuneko zokulawula, wabhala njengesakhiwo sokuthumayo. “Ukusungula, isibonelo, i-tokenization frameworks kanye ne-cryptogram strategies ezivumela ukuxhumana okuhuseleko, isikhathi esifanayo kanye nokuphumelela nezidingo zokulawula ezifana ne-PSD2 ne-Strong Customer Authentication (SCA),” wathi. Kwi-process, uye uyahlanjiswa izakhiwo zokuzalwa ngaphandle kokuphumelela ngesivinini noma ukhuseleko. I-Intelligence ye-Intelligence ye-Payments Ukubuyekezwa, i-Kishore Sunderajulu uqukethe ukuhlanganisa izixazululo zokudluliselwa kwe-AI kanye ne-agent AI ku-fintech systems ukuze ukwandise ukucubungula kwezimpendulo kanye nokulawulwa kwesimo se-automated. Umehlise ukukhiqiza izinhlelo ezisekelwe ku-ethical AI ku-financial services, kanye ne-visions yayo “Ukugqibela, ukubonisa yami kuyinto ukuguqulwa kwelanga le-digital finance ngokuvimbela ukuthi i-United States ibekwe ekupheleni kwe-financial technology global kanye ne-AI leadership,” wathi. I-future ye-payments Ukuthuthukiswa kwe-ecosystem ye-digital payments kuncike ngaphezulu kunazo ku-function noma app entsha. Yonke ukulanda, ukulanda, kanye nokuqinisekisa inikeza umthamo yokuguqulwa kwe-fintech global. "Ukuhlukaniswa okwenziwe ngempumelelo, ivela izixazululo ezingenalutho, ukwakhiwa kwemvelo, futhi ngokuvamile ukuguqulwa zezimboni," Kishore uthi.

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

Lo msindo ukhiqizwa ngolimi lokuqala lwendaba!

Phakathi Kishore Sunderajulu Mission Ukuphepha Global Payment Systems

About Author

IMIBONO

HANG TAGS

LESI SIHLOKO SETHULWE NGAPHAKATHI

Related Stories

The Billionaires F*cked Up

Zulu Network: Moving The Bitcoin Economy Forward With a Two-Tiered Bitcoin Layer 2 Architecture

The Billionaires F*cked Up

Zulu Network: Moving The Bitcoin Economy Forward With a Two-Tiered Bitcoin Layer 2 Architecture

Light-Mode

Classic

Newspaper

Minty

Dark-Mode

Neon Noir

Minty

HN StartUps