Chenjezo la Zoopsa Zokhudza Kulipira Zogulitsa Zogulitsa Kunja: Njira Zachinyengo za 2025 ndi Njira Zopewera

Malo Osinthira Chinyengo: Mapulani Oyendetsedwa ndi AI ndi Zoopsa Zachigawo

Chitukuko choopsa kwambiri pa chinyengo cha kulipira m'malire ndi kugwiritsa ntchito ukadaulo wa AI mwachangu ndi achinyengo. Magulu a zigawenga akugwiritsa ntchito kwambiri mitundu yayikulu ya zilankhulo monga FraudGPT ndi WormGPT popanga maimelo apamwamba a phishing, kupanga ma profiles abodza a ogula, ndikupewa njira zotsimikizira chitetezo, malinga ndi Riskified's 2024 Global Insights Report on Chargeback Challenges. Zida za AI izi zimathandiza achinyengo kukhazikitsa "maakaunti a robot" omwe amawoneka ngati ovomerezeka omwe amatha kumaliza kugula bwino asananyamuke ndi katunduyo, zomwe zimapangitsa kuti ogulitsa kunja asalipidwe.

"Achinyengo omwe amagwiritsa ntchito AI amatha kupanga mazana a maina abodza omwe amawoneka enieni mokwanira kuti adutse mayeso oyambira otsimikizira," akufotokoza Tasneen Padiath, Mtsogoleri wa APAC ku Riskified, kampani yotsogola yoletsa chinyengo. "Mumakampani opanga zoseweretsa, komwe kufunikira kwa nyengo kumakulirakulira kumapangitsa kuti pakhale kukakamizidwa kuti akwaniritse maoda mwachangu, maakaunti abodza awa akubweretsa kutayika kwakukulu - nthawi zina makumi a madola zikwizikwi pa chochitika chilichonse."

Kusiyanasiyana kwa madera m'njira zachinyengo kumawonjezera kulamulira zoopsa. Ku Costa Rica, msika wofunikira kwambiri wogulitsa zidole zaku China, kusinthasintha kwa ndalama, komanso kusakhazikika kwachuma kwapangitsa kuti pakhale kuchedwa kwa malipiro komanso kusonkhanitsa katundu wonyamula katundu chifukwa ogula amakana kulandira katunduyo pamene mitengo yosinthira zinthu isakuyenda bwino, malinga ndi Zhejiang Provincial Council for the Promotion of International Trade. Izi zawonjezera ndalama zosungira ndi zoyendera za ogulitsa kunja ndi avareji ya 12-15% mu 2025.

Misika ya ku Latin America ili ndi mavuto osiyanasiyana, pomwe achinyengo amagwiritsa ntchito njira zotumizira zinthu nthawi yeniyeni zomwe zili m'derali. Mwa kuba ziphaso zolipira za ogula ndikugwiritsa ntchito AI kuti abise tsatanetsatane wa zizindikiritso, zigawenga zawonjezera zochitika zachinyengo zomwe zimayang'ana kutumiza zidole—makamaka zinthu zamtengo wapatali monga ziwerengero zosonkhanitsidwa ndi zoseweretsa zamagetsi zomwe zimasunga mtengo wogulitsanso. Misika yomwe ikukula yomwe ili ndi zomangamanga zosatukuka za mabanki ndi yomwe ili pachiwopsezo chachikulu, ikuvutika ndi kutaya ndalama mpaka 6% chifukwa cha chinyengo cholipira poyerekeza ndi avareji yapadziko lonse ya 3%, deta ya Riskified ikuwonetsa.

Njira zachikhalidwe zachinyengo zikupitirirabe limodzi ndi ziwopsezo zatsopanozi. Chinyengo cha makalata oyamikira (L/C) chikupitirirabe kukhala vuto, ndi achinyengo omwe amapanga zikalata zabodza kapena kusintha tsatanetsatane wa kutumiza kuti asinthe katundu. Kampani yogulitsa zoseweretsa zoseweretsa ku Guangdong yomwe imadziwika bwino ndi zinthu zophunzitsira inanena kuti yataya $400,000 kumayambiriro kwa chaka cha 2025 pambuyo poti wogula ku Southeast Asia wapereka zikalata zabodza za L/C zomwe zinkaoneka ngati zenizeni mpaka katunduyo atafika kale.

Maphunziro a Nkhani: Momwe Ogulitsa Zidole Akuyang'aniridwa

Zochitika zaposachedwa zikuwonetsa zoopsa zosiyanasiyana zomwe ogulitsa zoseweretsa akugulitsa kunja. Mu Marichi 2025, wopanga wapakatikati ku Yiwu, yemwe amagwira ntchito yogulitsa zoseweretsa zofewa, adalandira oda yayikulu kuchokera ku kampani yatsopano ku Brazil ya zinthu zokwana $250,000. Wogulayo adalimbikira kugwiritsa ntchito njira yolipira yomwe siidziwika bwino ndipo adapereka zikalata zotsimikizira kuti ndi yolondola. Atatumiza odayo, wogulitsa kunja adapeza kuti kampaniyo inali yabodza - zikalata zake zodziwitsa zomwe zimapangidwa ndi AI - ndipo malipirowo adachitika ndi zambiri za kirediti kadi zomwe zabedwa. Pofika nthawi yomwe kubweza ndalama kunayamba, katunduyo anali atagawidwa kale kudzera m'njira zosavomerezeka ku Brazil.

Mlandu wina unali wokhudza wogulitsa katundu wochokera ku Hong Kong yemwe anali kutumiza kunja kwa anthu omwe anali ndi milandu yokhudza chinyengo cha L/C ku Europe. Wogulayo, yemwe ankadziona ngati kampani yodziwika bwino yogulitsa zinthu, anapereka L/C kudzera ku banki yaying'ono ya Kum'mawa kwa Europe. Zikalatazo zinkaoneka ngati zovomerezeka, koma ataziyang'anitsitsa atatumiza, panali kusiyana m'ma code ovomerezeka a bankiyo. Panthawiyo, zoseweretsazo—zokhala ndi zilembo zodziwika bwino—zinali zitatumizidwa ku nyumba yosungiramo zinthu yosaloledwa ndipo zinagulitsidwa m'misika yachiwiri.

Mwina chodetsa nkhawa kwambiri ndi kubweza ndalama zomwe zimawononga ogulitsa zidole m'misika yayikulu. Kampani ya zidole ya ku Shenzhen yomwe imapereka msika wa ku Europe ku Amazon inanena kuti pakhala kuwonjezeka kwa 300% kwa madandaulo a "zinthu zomwe sizinalandiridwe" mu kotala lachiwiri la 2025, ngakhale kuti idagwiritsa ntchito ntchito zotumizira zotsatiridwa. Kafukufuku wasonyeza kuti achinyengo anali kugwiritsa ntchito luntha lochita kupanga kuti asinthe maadiresi otumizira kenako n’kunena kuti sanatumize. Kampaniyo ikuyerekeza kuti kubweza ndalama zachinyengozi kunawawonongera $80,000 pa katundu wotayika komanso ndalama zoyendetsera zinthu m'miyezi itatu yokha.

Njira Zochepetsera Chiwopsezo: Njira Zothandiza kwa Ogulitsa Zinthu Kunja

Pofuna kuthana ndi ziwopsezo zomwe zikusintha, ogulitsa zidole akugwiritsa ntchito njira zowongolera zoopsa zosiyanasiyana zomwe zimaphatikiza ukadaulo, kufufuza bwino, komanso mgwirizano wanzeru.

Kugwira Ntchito Moyenera ndi Kutsimikizira Kwambiri

Makampani otsogola ogulitsa kunja tsopano akugwiritsa ntchito njira zotsimikizika zokhazikika zotsimikizira ogula asanalandire maoda. Izi zikuphatikizapo kutsimikizira kulembetsa kwa makampani kudzera m'mabungwe amalonda am'deralo, kuwona mbiri ya ngongole kudzera mu ntchito monga Dun & Bradstreet, komanso kufunsa zikalata zina kwa ogula koyamba. "Tsopano timayimba makanema ndi makasitomala atsopano kuti titsimikizire malo awo amalonda ndikulimbikitsa kuti tipereke ndalama pang'ono pasadakhale maoda opitilira $50,000," akutero manejala wa zoopsa ku kampani yayikulu yopanga zoseweretsa ku Guangdong. "Njira izi zachepetsa kutayika kwathu kwachinyengo ndi 40% chaka chino."

Pa zochitika za pa intaneti, kugwiritsa ntchito zida zotsimikizira chizindikiritso pogwiritsa ntchito AI kwakhala kofunikira. Mayankho monga njira yopezera zachinyengo ya Riskified amagwiritsa ntchito makina ophunzirira kusanthula mfundo zambirimbiri—kuyambira ma adilesi a IP mpaka njira zofufuzira—kuti adziwe zochitika zokayikitsa katundu asanatumizidwe. "Ma model athu a AI amatha kuzindikira 95% ya maakaunti abodza opangidwa ndi AI pofufuza kusagwirizana pang'ono m'machitidwe awo," akufotokoza Padiath.

Kusankha Njira Yolipirira Mwanzeru

Kusankha njira yoyenera yolipira kutengera msika ndi mbiri ya wogula kumachepetsa kwambiri chiopsezo. Pazinthu zamtengo wapatali m'misika yosadziwika bwino, ogulitsa ambiri akulimbikitsa kuti ma L/C osasinthika atsimikizidwe ndi mabanki apadziko lonse lapansi odalirika osati mabungwe am'deralo. Maoda apakatikati nthawi zambiri amagwiritsa ntchito ntchito za escrow monga Alibaba's Trade Assurance, zomwe zimasunga ndalama mpaka zitatsimikizika kuti kutumiza kutumizidwa.

M'misika yatsopano, kugwirizana ndi opereka ndalama zapadera zodutsa malire kumapereka chitetezo chabwino kuposa njira zamabanki zachikhalidwe. Makampani monga XTransfer, omwe amayang'ana kwambiri pamalipiro akunja a B2B, amapereka maakaunti akumaloko osonkhanitsira ndalama m'misika yomwe akufuna, kuchepetsa kudalira mabanki apakati komanso kupereka njira yabwino yowunikira zachinyengo. "Kugwiritsa ntchito maakaunti akumaloko osonkhanitsira ndalama ku Southeast Asia kwachepetsa kuchedwa kwathu kulipira ndi 70% komanso kuchepetsa zochitika zachinyengo," akutero wogulitsa zidole wogulitsa ku Indonesia ndi Vietnam.

Inshuwalansi ndi Zitetezo Zachuma

Anthu ambiri ogulitsa zidole akutembenukira ku inshuwaransi ya ngongole yotumiza kunja kuti ateteze ku zoopsa zosalipira. Deta ya Sinosure ya 2025 ikuwonetsa kuti inshuwaransi yake ya ngongole yotumiza kunja kwakanthawi kochepa, yomwe imaphimba zoopsa zamalonda ndi zandale, idathandizira kutumiza zidole kwa $140.7 biliyoni mu theka loyamba la chaka, kuwonjezeka kwa 5% kuchokera nthawi yapitayi. Inshuwaransi iyi nthawi zambiri imaphimba 80-90% ya zotayika chifukwa cha kulephera kwa ogula, kusagwira ntchito kwa nthawi yayitali, kapena zochitika zandale.

Pa zochitika zobwerezabwereza, ntchito zowerengera ndalama zimapereka chitetezo china pogula maakaunti omwe amalipidwa pamtengo wotsika ndikuganizira za chiopsezo chosonkhanitsa ndalama. Izi sizimangochepetsa kukhudzidwa ndi ngongole zoyipa komanso zimathandizira kuyenda bwino kwa ndalama—ubwino wofunikira kwambiri mumakampani opanga zoseweretsa omwe amawononga ndalama zambiri chifukwa cha nyengo yake yopanga.

Umboni Wamtsogolo Wotsutsana ndi Ziwopsezo Zomwe Zikubwera

Pamene achinyengo akugwiritsa ntchito zida zamakono za AI, ogulitsa kunja ayenera kusintha chitetezo chawo nthawi zonse. Akatswiri amakampani amalimbikitsa kuti antchito aziphunzitsidwa nthawi zonse za njira zatsopano zachinyengo, makamaka zomwe zimakhudzana ndi zomwe zimapangidwa ndi AI. "Makasitomala athu ambiri tsopano amayendetsa zoyeserera kotala lililonse komwe magulu amachita zodziwira zikalata zopangidwa ndi AI ndi mbiri yabodza ya ogula," akutero katswiri wodziwa za chiopsezo yemwe amagwira ntchito yotumiza zidole kunja.

Mgwirizano mkati mwa makampani ukukulirakuliranso. Mabungwe amalonda monga China Toy & Juvenile Products Association akhazikitsa ma database ogawana a ogula achinyengo ndi zochitika zokayikitsa, zomwe zimathandiza mamembala kuti azitha kuwonetsa zoopsa pamodzi. Pakadali pano, mgwirizano pakati pa ogulitsa kunja ndi makampani aukadaulo ukupereka mayankho apadera kwambiri, monga machitidwe ozikidwa pa blockchain otsatira kutumiza ndikutsimikizira kuti zikalata ndi zenizeni nthawi yeniyeni.

Poganizira zamtsogolo, ogulitsa zidole olimba mtima kwambiri ndi omwe amayendetsa bwino kukula kwawo mosamala. "Kukula m'misika yatsopano ndikofunikira, koma osati chifukwa choteteza zoopsa," akulangiza katswiri wamakampani ku Euromonitor. "Ogulitsa zinthu opambana mu 2025 adzakhala omwe akuphatikiza kupewa zachinyengo mu njira zawo zazikulu zamabizinesi, pogwiritsa ntchito ukadaulo, inshuwaransi, ndi njira zolipirira kuti ateteze ndalama zawo."

Pamene makampani a zoseweretsa aku China akudziwika padziko lonse lapansi—makamaka omwe amagwiritsa ntchito ma IP otchuka a makanema ojambula—kufunika koteteza katundu wofunikayu ku chinyengo cha malipiro kumakhala kofunika kwambiri. Mwa kukhazikitsa njira zotsimikizira mwamphamvu, kusankha njira zoyenera zolipirira, komanso kugwiritsa ntchito zida zachuma zomwe zilipo, ogulitsa kunja amatha kuyenda m'malo ovuta a 2025 pomwe akupitilizabe kupanga mawonekedwe awo padziko lonse lapansi.