Kuwonjezeka kwa Zoopsa za Malipiro: Ogulitsa Zidole aku China Akuyenda pa Vuto la Kuyimitsa Malipiro a Anthu Ena mu 2025

Mliri wa Kuzizira: Zomwe Zimayambitsa ndi Kukula kwa Vutoli

Kuzizira kwa malipiro mu 2025 kumachokera ku mphepo yamkuntho yolimba ya malamulo ndi kusokonezeka kwa ukadaulo. Opereka malipiro padziko lonse lapansi monga PayPal, Stripe, ndi Alipay+ akhazikitsa njira zowongolera zoopsa kwambiri potsatira malangizo atsopano a Financial Action Task Force (FATF) omwe adakhazikitsidwa kumapeto kwa chaka cha 2024, omwe amalamula kuti pakhale kuwunika kokhwima kwa malonda ndikuwongolera bwino malonda a mayiko ena.

Misika ya ku Ulaya yakhala yovuta kwambiri pambuyo poti Single Euro Payments Area (SEPA) yakula mpaka ku North Macedonia ndi Moldova mu Okutobala 2025, pomwe pempho la Serbia linachedwetsedwa chifukwa cha nkhawa za EU pa dongosolo lake la AML. Kugawikana kwa malamulo kumeneku kwakakamiza nsanja zolipirira kuti zigwiritse ntchito njira ya "wolakwa mpaka zitatsimikizika kuti ndi zosalakwa", pomwe zochitika za zoseweretsa nthawi zambiri zimanenedwa chifukwa cha kuchuluka kwawo kwakukulu, kusinthasintha kwa nyengo, komanso kulumikizana nthawi zina ndi zinthu zabodza.

"Mapulogalamu akugwiritsa ntchito machitidwe oyendetsedwa ndi AI omwe amawonetsa zochitika kutengera mazana a zosintha, koma ma algorithms awa nthawi zambiri amasokoneza kutumiza zidole zovomerezeka ngati zoopsa kwambiri," akufotokoza Michael Chen, mkulu woyang'anira zoopsa ku XTransfer, wopereka njira zolipirira malire. "Tawona kuwonjezeka kwa 217% kwa milandu yoyimitsa yomwe ikukhudza ogulitsa zidole aku China mu 2025, ndipo nthawi yomaliza yothetsa mavuto ikuyambira masiku 14 mu 2023 mpaka masiku 47 tsopano."

Ma network olipira m'dziko muno nawonso akuwonjezera kupsinjika. Banki yayikulu ya ku China inanena kuti UnionPay ndi NetUnion adachotsa amalonda 25 osatsatira malamulo m'miyezi isanu ndi itatu yoyambirira ya 2025, ndikutseka ndalama zawo ndikuziika pamndandanda wazinthu zomwe zingachitike mtsogolo. Ngakhale mabizinesi ambiri omwe akhudzidwa anali ndi mavuto ovomerezeka okhudzana ndi kutsatira malamulo, anthu amkati mwa makampani akuti 15-20% ya kutsekedwa kumeneku kumakhudzana ndi zabodza, makamaka kuwonongeka m'gawo la zoseweretsa komwe 60% ya ndalama zomwe amapeza pachaka zimapezeka mu nthawi ya tchuthi cha kotala lachitatu ndi kotala lachinayi.

Zoopsa Zamsika ndi Milandu Yodziwika Kwambiri

Zotsatira za kuyimitsidwa kwa malipiro zimasiyana kwambiri m'malo osiyanasiyana otumizira kunja, zomwe zimapangitsa kuti pakhale chiopsezo chachikulu kwa ogulitsa zidole aku China.

Ku North America, komwe kumalandira 38% ya zinthu zomwe zimachokera ku China, kuphatikiza malamulo okhwima oteteza ogula komanso kuzindikira zachinyengo kwapangitsa kuti "kuletsa kubweza ndalama" kuwonjezereke ndi 189%. Kampani yopanga zoseweretsa zokongola ku Yiwu idawona $180,000 ikutsekedwa pambuyo poti wogula waku US adanena kuti "sanatumizidwe" ngakhale umboni wotsatira. Ndalamazo zidatulutsidwa pokhapokha njira yolipira ndalama yomwe idatenga masiku 63, zomwe zidakakamiza kampaniyo kuchedwetsa kupanga mzere wake wa Khirisimasi.

Misika ya ku Ulaya ili ndi zovuta zosiyanasiyana motsatira malamulo atsopano a SEPA. Ogulitsa kunja akunena kuti malonda opitilira €15,000 tsopano akuyang'aniridwa ndi okhazikika, ndipo 12% ya malipiro akuyembekezeka kusungidwa nthawi yayitali. Kampani ya ku Shenzhen yotumiza zoseweretsa zamaphunziro ku Germany idatsekedwa ndi €240,000 mu Marichi 2025 pomwe ma algorithms a nsanja adawonetsa "njira zachilendo zogulitsira" - pambuyo pake zidanenedwa kuti zachitika chifukwa cha kukwera kwa maoda a zida zake zodziwika bwino za ma dinosaur.

Misika yatsopano siimapereka chitetezo chokwanira. Ku Southeast Asia, komwe njira zamalonda zosavomerezeka ndizofala, kuletsa kulipira kwawonjezeka ndi 230% chaka ndi chaka, nthawi zambiri chifukwa cha zikalata zosasinthasintha. Wogulitsa kunja ku Guangdong adataya mwayi wopeza $95,000 mu Meyi 2025 pambuyo poti mnzake waku Malaysia adagwiritsa ntchito akaunti yakeyake osati yabizinesi polipira, zomwe zidayambitsa mbendera za AML.

Mwina chodetsa nkhawa kwambiri ndi milandu yokhudzana ndi mikangano ya katundu wanzeru. Mu Epulo 2025, misonkho ya anthu ku Shanghai inagwira zoseweretsa 1,800 zabodza za "POP MART" zomwe zinkapita ku Belgium. Ngakhale wogulitsa katundu wophwanya malamulo adakumana ndi zotsatirapo zalamulo, magwero amakampani akuti mabizinesi angapo ovomerezeka omwe amagwiritsa ntchito magulu ofanana azinthu adayimitsidwa pamene nsanja zikukulitsa chiopsezo chawo.

Mayankho Anzeru: Kupanga Dongosolo Lodzitetezera la Zigawo Zambiri

Poyang'anizana ndi vuto lomwe likukulirakulira, ogulitsa zidole otsogola akugwiritsa ntchito njira zambiri zomwe zimaphatikiza njira zopewera, njira zosiyanasiyana zolipirira, komanso kutsatira malamulo mwachangu.

Kusiyanasiyana kwa Malipiro: Kuchepetsa Kudalira kwa Pulatifomu

Makampani oganiza bwino zamtsogolo akupitirira kudalira nsanja imodzi kuti apange ma portfolio osiyanasiyana olipira. "Tsopano tikugawa malipiro m'njira zitatu: 40% kudzera m'makalata achikhalidwe a ngongole, 35% kudzera mwa opereka malipiro apadera a B2B, ndi 25% kudzera m'mapulatifomu akuluakulu," akutero Zhang Wei, mkulu wotumiza kunja ku Alpha Group. "Njira imeneyi inachepetsa kukhudzidwa kwathu pamene PayPal inatseka imodzi mwa maakaunti athu mu February."

Mayankho atsopano monga "mlatho wa ndalama" wa digito ku China akuchulukirachulukira. Mu Ogasiti 2025, nthambi ya Shunde ya Bank of China idathandizira kugulitsa zinthu zazikulu pogwiritsa ntchito njira yolipira yochokera ku blockchain, yomwe imalola kusamutsa mwachindunji pakati pa mabanki apakati omwe akutenga nawo mbali. "Mlatho wa ndalama unachepetsa ndalama zomwe timagwiritsa ntchito pochita malonda ndi 18% ndikuchotsa zoopsa zoyimitsa ndalamazo," akutero manejala wazachuma ku kampani yopanga zoseweretsa ku Foshan.

Pamisika yaku Europe, ogulitsa kunja akugwiritsa ntchito kwambiri luso la SEPA lolipira mwachangu lomwe lidayambitsidwa mu 2024, lomwe limalola kusamutsa kwa masekondi 10 ndi kuwonekera bwino, zomwe zimachepetsa kwambiri mwayi woyimitsa.

Kukonza Kutsatira Malamulo: Kulemba ndi Kusamala

Ogulitsa kunja akuika ndalama zambiri pakulimbitsa malamulo kuti asaletse kuletsa malamulo. Njira zabwino kwambiri ndi izi:

- Njira Zowonjezera za KYC (Dziwani Kasitomala Wanu) ndi kutsimikizira zilolezo za bizinesi ya ogula ndi zolemba zamisonkho
- Zolemba mwatsatanetsatane zokhudzana ndi zochitika kuphatikizapo ma invoice a pro forma, manifest otumizira, ndi satifiketi zovomerezeka za IP

- Kuphatikiza kotsata nthawi yeniyeni kuti kupereke umboni wosatsutsika wopereka

- Maphunziro a ogwira ntchito nthawi zonse pa mfundo zosintha nsanja ndi zofunikira za AML zapadziko lonse lapansi

"We"Tsopano sungani chikwatu chotsatira malamulo pa chilichonse chomwe chingapirire kufufuzidwa kwa malamulo," akufotokoza Li Jia wa ku HobbyMax. "Pamene imodzi mwa malipiro athu inalengezedwa mu June, tinapereka phukusi la zikalata ndipo ndalama zinatulutsidwa m'maola 48 m'malo mwa masabata."

Kukonzekera Zokumana ndi Mavuto ndi Njira Zobwezeretsa

Ngakhale kuti pali njira zodzitetezera, kuima kwadzidzidzi kumachitikabe, zomwe zimapangitsa kuti njira zogwirira ntchito zochiritsira zikhale zofunika kwambiri. Njira zopambana zikuphatikizapo:

- Kukhazikitsa ubale wapachindunji ndi magulu oyang'anira zoopsa papulatifomu m'malo modalira makina okha

- Kugula inshuwaransi ya ngongole yamalonda yomwe imaphimba ndalama zoyimitsidwa (zomwe tsopano zikuperekedwa ndi Sinosure ndi 20% pakati pa ogulitsa zidole kunja mu 2025)

- Kugwira ntchito ndi makampani apadera azamalamulo odziwa bwino njira zothetsera mikangano pa nsanja yolipira

- Kusunga ndalama zosungira zomwe zili zofanana ndi 15-20% ya kuchuluka kwa ndalama zomwe zimatumizidwa kunja pamwezi kuti zithetse kusiyana kwa ndalama zomwe zimalowa

CTJPA yakhazikitsanso "Payment Crisis Hotline" mu 2025, kuthandiza makampani 127 omwe ali mamembala kupeza ndalama zokwana $43 miliyoni kudzera mu zokambirana za nsanja ndi kulimbikitsa malamulo.

Chiyembekezo cha M'tsogolo: Kusintha Kukhala ndi Chiwopsezo Chokhazikika

Akatswiri amakampani akulosera kuti kuwunika malipiro kudzawonjezeka, pomwe mgwirizano wapadziko lonse lapansi ndi kuwunika koyendetsedwa ndi AI kukhala zinthu zosatha zamalonda zamayiko ena. "Nthawi yolipira zidole popanda kukangana yatha," akutero Sarah Lee wa ku Euromonitor. "Kupulumuka kumafuna kuwona kuyang'anira zoopsa zolipira ngati luso lalikulu m'malo moganizira zamtsogolo."

Poganizira zamtsogolo, ogulitsa kunja omwe ali olimba mtima kwambiri ndi omwe amaika ndalama mu:

- Kuphatikiza kwa API pakati pa machitidwe awo a ERP ndi nsanja zolipirira kuti ziwunikire zoopsa nthawi yeniyeni

- Mayankho operekedwa ndi unyolo wogulira zinthu pogwiritsa ntchito blockchain omwe amapereka zolemba zosasinthika za malonda

- Mgwirizano wanzeru ndi ogulitsa am'deralo m'misika yofunika kwambiri kuti zithandize kukonza malipiro am'dziko muno

- Kutenga nawo mbali mu njira zolipirira zamayiko ambiri mongamlatho wa ndalamakuchepetsa kudalira nsanja zachinsinsi

Monga momwe wogulitsa katundu wina adanenera: "Tasintha njira yathu kuchoka pa 'kuyembekezera kuti palibe kuzizira' kupita ku 'kukonzekera nthawi yomwe zidzachitike.' Vuto la 2025 lakhala lopweteka, koma likukakamiza makampani athu kuti amange zomangamanga zolimba zolipira kwa nthawi yayitali."

Popeza maoda a nthawi ya tchuthi akuchulukirachulukira, ogulitsa zidole aku China akugwiritsa ntchito maphunzirowa kuti ateteze ndalama zomwe amapeza. Kwa makampani omwe amamanga pa kubweretsa chisangalalo kwa ana padziko lonse lapansi, kudziwa zovuta za malipiro apadziko lonse lapansi kwakhala gawo losayembekezereka koma lofunikira kwambiri pakuchita bizinesi mu 2025.