SHENZHEN, Okthobha. [XX] — Xa umthengisi weethoyi osebenza eGuangzhou ogxile kwinani leemali eziqokelelweyo wangena kwiakhawunti yakhe yePayPal ekuqaleni kuka-2025, inkampani yajongana nemeko embi: \(Ingeniso yokuthengisa engama-320,000 yayivaliwe ngaphandle kwesilumkiso sangaphambili. Imali-eyayibekelwe ukuthengwa kwezinto eziluhlaza ngaphambi kwexesha leeholide ezibalulekileyo-yahlala ingafikeleleki kangangeentsuku ezingama-72 ngelixa iqonga liphanda "ukwaphulwa komgaqo-nkqubo okunokwenzeka." Esi siganeko sibonisa ingxaki ekhulayo kwicandelo lokuthumela iithoyi eTshayina: ukunyuka kwentlawulo yomntu wesithathu kuye kwamiswa okwaphazamisa \)2.8 yeebhiliyoni kwiintengiselwano ngexesha lesiqingatha sokuqala sika-2025, ngokutsho kwe-China Toy & Juvenile Products Association (CTJPA). Njengoko amaqonga entlawulo yehlabathi eqinisa ukujongwa phakathi kwemigaqo engqongqo yokulwa nokuhlanjwa kwemali (AML) kunye nolawulo lomngcipheko oluqhutywa yi-algorithm, abathumeli bamazwe bazama ukwamkela amaqhinga amatsha okukhusela ukuhamba kwemali yabo.
Ubhubhane weNqabaka: Izizathu kunye nobukhulu bale Ngxaki
I-wave yokuqhwalela kwentlawulo ka-2025 ivela kwisaqhwithi esigqibeleleyo sokuqiniswa kwemithetho kunye nokuphazamiseka kwetekhnoloji. Ababoneleli bentlawulo behlabathi jikelele abafana nePayPal, Stripe, kunye ne-Alipay+ basebenzise ulawulo lomngcipheko oluqatha ngakumbi emva kwezikhokelo ezihlaziyiweyo zeFinancial Action Task Force (FATF) ezamkelwe ngasekupheleni kuka-2024, eziyalela ukuba kubekho ukubekwa kweliso okungqongqo kwentengiselwano kunye nokuphucula ukucokiseka korhwebo oluwela imida.
Iimarike zaseYurophu zibe nzima ngakumbi emva kokuba iSingle Euro Payments Area (SEPA) yandise ukuquka uMntla Macedonia neMoldova ngo-Okthobha ka-2025, ngelixa isicelo seSerbia salibaziseka ngenxa yenkxalabo ye-EU malunga nesakhelo sayo se-AML. Olu qhekeko lolawulo luye lwanyanzela amaqonga okuhlawula ukuba amkele indlela "yokutyala de kuqinisekiswe ukuba ayinatyala", kunye neentengiselwano zamathoyizi ezihlala ziphawulwa ngenxa yomthamo wazo ophezulu, ukuguquguquka kwexesha lonyaka, kunye nokunxibelelana ngamanye amaxesha neempahla zomgunyathi.
“Amaqonga asebenzisa iinkqubo eziqhutywa yi-AI eziphawula iintengiselwano ezisekelwe kumakhulu eenguqu, kodwa ezi algorithms zihlala zichaza ukuthunyelwa kweethoyi okusemthethweni njengezinobungozi obukhulu,” ucacisa uMichael Chen, umlawuli wolawulo lomngcipheko kwi-XTransfer, umboneleli wezisombululo zentlawulo eziwela imida. “Sibone ukwanda kwe-217% kwimiba yokuqhwalela ebandakanya abathumeli beethoyi baseTshayina ngo-2025, kunye namaxesha okusombulula aphakathi ukusuka kwiintsuku ezili-14 ngo-2023 ukuya kwiintsuku ezingama-47 ngoku.”
Iinethiwekhi zokuhlawula zasekhaya nazo zinegalelo kuxinzelelo. Ibhanki ephakathi yaseTshayina ibike ukuba i-UnionPay kunye ne-NetUnion zihlawule abathengisi abangama-25 abangathobeliyo imithetho kwiinyanga ezisibhozo zokuqala zowama-2025, zivala imali yazo kwaye zibabeka kuluhlu olumnyama kwiintengiselwano zexesha elizayo. Ngelixa uninzi lwamashishini achaphazelekayo ayeneengxaki zokuthobela imithetho ngokusemthethweni, abantu abangaphakathi kushishino baqikelela ukuba i-15-20% yokuvalwa kwemithetho kubandakanya iziphumo ezingezizo, ngakumbi ezonakalisa kwicandelo lezinto zokudlala apho i-60% yengeniso yonyaka iveliswa kwi-Q3-Q4 yeeholide.
Iingozi Ezithile Kwimarike kunye Namatyala Aphezulu
Impembelelo yokumiswa kwentlawulo iyahluka kakhulu kwiindawo ezahlukeneyo zokuthumela izinto kwamanye amazwe, nto leyo edala umngcipheko onzima kubathumeli bezinto zokudlala baseTshayina.
EMantla Melika, efumana ama-38% eemveliso zokudlala zaseTshayina, ukudityaniswa kwemithetho engqongqo yokukhusela abathengi kunye nokuchongwa kobuqhetseba ngokugqithisileyo kukhokelele ekonyukeni kwe-189% "kweemveliso zokudlala ezihambelana nokubuyiselwa kwemali." Umenzi weethoyi ezithambileyo osekwe eYiwu wabona i-$180,000 ivaliwe emva kokuba umthengi wase-US ethe "ayithunyelwanga" nangona kukho ubungqina bokulandelela. Le mali ikhutshwe kuphela emva kwenkqubo yokulamla ebiza kakhulu eyathatha iintsuku ezingama-63, nto leyo eyanyanzela inkampani ukuba ilibazise imveliso yomgca wayo weKrisimesi.
Iimarike zaseYurophu zinemingeni eyahlukeneyo phantsi kwemithetho emitsha ye-SEPA. Abathumeli bamazwe angaphandle baxela ukuba iintengiselwano ezidlula i-€15,000 ngoku zijongene nokuhlolwa ngokuzenzekelayo, kunye ne-12% yeentlawulo ezixhomekeke ekubanjweni kwexesha elide. Inkampani yaseShenzhen ethumela izinto zokudlala zemfundo eJamani yayivalwe i-€240,000 ngoMatshi 2025 xa ii-algorithms zeqonga zaphawula "iipateni zentengiselwano ezingaqhelekanga" - kamva zabangelwa kukunyuka kwee-odolo zexesha lonyaka zeekiti zayo zemodeli yedinosaur ezidumileyo.
Iimarike ezisakhulayo azinandawo yokukhosela. KuMzantsi-mpuma we-Asia, apho iindlela zorhwebo ezingacwangciswanga zixhaphakileyo, ukunqunyanyiswa kwentlawulo kunyuke ngama-230% unyaka nonyaka, okuhlala kubangelwa kukungangqinelani kwamaxwebhu. Umthengisi wempahla engaphandle waseGuangdong ulahlekelwe kukufikelela kwi-$95,000 ngoMeyi ka-2025 emva kokuba iqabane laseMalaysia lisebenzise iakhawunti yobuqu endaweni yeshishini ukuhlawula, nto leyo ebangele ukuba i-AML ibonakale ingasebenzi.
Mhlawumbi ezona zinto zixhalabisayo zizinto ezinxulumene neengxabano zepropathi yengqondo. Ngo-Epreli 2025, izikhululo zaseShanghai zabamba iithoyi ezili-1,800 ezingooqongqothwane ze-"POP MART" ezazisiya eBelgium. Ngelixa umthengisi wempahla ophula umthetho ejongene nemiphumo yezomthetho, imithombo yeshishini ibika ukuba amashishini amaninzi asemthethweni asebenzisa iindidi ezifanayo zemveliso ajongene nokuma kwe-collateral stand njengoko amaqonga awo andisa imida yawo yomngcipheko.
Iimpendulo Ezicwangcisiweyo: Ukwakha Inkqubo Yokuzikhusela EneZigaba Ezininzi
Bejongene nale ngxaki ikhulayo, abathengisi bezinto zokudlala abaphambili bamkela amaqhinga apheleleyo adibanisa amanyathelo okuthintela, iindlela ezahlukeneyo zokuhlawula, kunye nokuthobela imithetho ngokukhawuleza.
Ukwahlukahluka kweNtlawulo: Ukunciphisa ukuxhomekeka kwiPlatform
Iinkampani ezicinga phambili zidlula ukuthembela kwiqonga elinye ukuze zakhe iipotifoliyo zokuhlawula ezahlukeneyo. "Ngoku sahlulahlula iintlawulo kwiindlela ezintathu: i-40% ngeeleta zesiqhelo zetyala, i-35% ngababoneleli beentlawulo abakhethekileyo be-B2B, kunye ne-25% ngamaqonga amakhulu," utshilo uZhang Wei, umlawuli wokuthumela ngaphandle kwi-Alpha Group. "Le ndlela yanciphisa ukuvezwa kwethu xa i-PayPal yamisa enye yeeakhawunti zethu ngoFebruwari."
Izisombululo ezintsha ezifana ne-"money bridge" yemali yedijithali yaseTshayina ziyanda. Ngo-Agasti 2025, isebe leShunde leBhanki yaseTshayina lenze lula intengiselwano ebalulekileyo kusetyenziswa inkqubo yokuhlawula esekwe kwi-blockchain, evumela ukudluliselwa ngokuthe ngqo nokulandeleka phakathi kweebhanki eziphambili ezithatha inxaxheba. "I-money bridge inciphise iindleko zethu zentengiselwano nge-18% kwaye yasusa imingcipheko yokuqhwalela kwezo ntlawulo," utshilo umphathi wezemali kumvelisi wezinto zokudlala osekwe eFoshan.
Kwiimarike zaseYurophu, abathengisi bamanye amazwe baya besebenzisa amandla e-SEPA okuhlawula ngoko nangoko awenziwe ngo-2024, avumela ukudluliselwa kwe-10-seconds ngokusobala ngokupheleleyo, okunciphisa kakhulu amathuba okumisa.
Ukuphucula Ukuthobela Imithetho: Ukubhala Amaxwebhu Nokucophelela Okufanelekileyo
Abathumeli bamanye amazwe batyala imali eninzi ekuqiniseni imigaqo yokuthobela imithetho ukuze kuthintelwe ukuvalwa kwemithetho. Iindlela ezilungileyo ziquka:
- Iinkqubo ze-KYC (Yazi uMthengi Wakho) eziphuculweyo ngokuqinisekiswa kweelayisenisi zeshishini labathengi kunye neerekhodi zerhafu
- Amaxwebhu entengiselwano aneenkcukacha eziquka ii-invoyisi ze-pro forma, ii-shipping manifest, kunye nezatifikethi zogunyaziso lwe-IP
- Ukuhlanganiswa kokulandelela ngexesha langempela ukubonelela ngobungqina bokunikezelwa obungenakuphikiswa
- Uqeqesho oluqhelekileyo lwabasebenzi malunga nemigaqo-nkqubo yeqonga eguqukayo kunye neemfuno ze-AML zamazwe ngamazwe
"Wengoku gcina ifolda yokuthobela imithetho kwintengiselwano nganye eya kumelana nokuhlolwa kwemithetho," ucacisa uLi Jia weHobbyMax. "Xa enye yeentlawulo zethu yaphawulwa ngoJuni, sanikezela ngephakheji yamaxwebhu kwaye sakhupha imali kwiiyure ezingama-48 endaweni yeeveki."
Amaqhinga okuCwangcisa okuNgxamisekileyo kunye nokuBuyisa
Nangona kukho amanyathelo okuthintela, ukuqanda kusenzeka, nto leyo eyenza ukuba iindlela ezisebenzayo zokubuyisela impilo zibe zezona zibalulekileyo. Iindlela eziphumelelayo ziquka:
- Ukuseka ubudlelwane obuthe ngqo namaqela olawulo lomngcipheko weqonga kunokuthembela kuphela kwiinkqubo ezizenzekelayo
- Ukuthenga i-inshurensi yekhredithi yorhwebo egubungela iimali eziqandisiweyo (ngoku ezinikezelwa yiSinosure ngokwamkelwa kwe-20% phakathi kwabathengisi bezinto zokudlala ngaphandle ngo-2025)
- Ukusebenza neefemu zomthetho ezikhethekileyo eziqhelene neenkqubo zokusombulula iingxabano zeqonga lokuhlawula
- Ukugcina ulwelo olugciniweyo olulingana ne-15-20% yomthamo wokuthumela ngaphandle wenyanga ukuze kuvalwe izikhewu zokungena kwemali
I-CTJPA ikwaqalise "uMnxeba woNcedo lweNtlawulo" ngo-2025, inceda iinkampani ezingamalungu ali-127 ekufumaneni imali eqingqiweyo eyi-$43 yezigidi ngeengxoxo zeqonga kunye nokukhuthaza imithetho.
Imbono Yekamva: Ukuziqhelanisa Nemeko Yomngcipheko Ohlala Uhleli
Iingcali zoshishino ziqikelela ukuba ukuphononongwa kwentlawulo kuya kuqhubeka ngakumbi, kunye nokuhambelana kwemithetho yehlabathi kunye nokubeka esweni okuqhutywa yi-AI kuba ziimpawu ezihlala zihleli zorhwebo oluwela imida. "Ixesha leentlawulo ezingenangxabano zabantu besithathu zokuthunyelwa kweethoyi liphelile," utshilo uSarah Lee we-Euromonitor. "Ukusinda kufuna ukuphathwa komngcipheko wentlawulo njengobuchule obuphambili kunokuba kube yinto ecingelwa kamva."
Xa sijonga phambili, abathengisi bangaphandle abanamandla ngakumbi ngabo batyala imali kwi:
- Ukuhlanganiswa kwe-API phakathi kweenkqubo zabo ze-ERP kunye namaqonga okuhlawula ukuze kujongwe umngcipheko ngexesha langempela
- Izisombululo ze-supply chain ezisekelwe kwi-blockchain ezibonelela ngeerekhodi zentengiselwano ezingaguqukiyo
- Ubambiswano olucwangcisiweyo nabasasazi basekuhlaleni kwiimarike eziphambili ukuze kube lula ukucwangciswa kwentlawulo yasekhaya
- Ukuthatha inxaxheba kwimizamo yokuhlawula emacala amaninzi efanaibhulorho yemaliukunciphisa ukuxhomekeka kumaqonga abucala
Njengoko omnye umthengisi welizwe etshilo: "Sitshintshe indlela yethu yokusebenza ukusuka 'ekuthembeni ukuba akukho mingcele' ukuya 'ekucebeni ixesha lokuba zenzeke ngalo.' Ingxaki ka-2025 ibibuhlungu, kodwa inyanzela imboni yethu ukuba yakhe iziseko zokuhlawula eziqinileyo ixesha elide."
Njengoko ii-odolo zexesha leeholide sele zingena, abathengisi bezinto zokudlala baseTshayina basebenzisa ezi zifundo ziphumelele nzima ukukhusela ingeniso yabo. Kwishishini elakhelwe ekuziseni uvuyo ebantwaneni kwihlabathi liphela, ukuqonda ubunzima beentlawulo zehlabathi kube yinto engalindelekanga kodwa ebalulekileyo yokwenza ishishini ngo-2025.
Ixesha leposi: Sep-22-2025
