SHENZHEN, Septemba. [XX] — Njengoko abathengisi bezinto zokudlala baseTshayina besanda kwihlabathi liphela, isoyikiso esikhulayo siyasondela kwimiba yabo engaphantsi: ukwanda kobuqhetseba bentlawulo kunye neengxabano. Ngelixa i-China Export & Credit Insurance Corporation (Sinosure) ibike ukunyuka kwe-13.5% kunyaka nonyaka kwi-inshorensi) ukuya kwi-$565.6 yeebhiliyoni kwisiqingatha sokuqala sika-2025, idatha yeshishini ityhila inyani emnyama: ama-75% abathengi e-US nase-UK baqalise ukuhlawula imali ngo-2024, befikelela kwinqanaba eliphezulu. Ukusuka kwiiakhawunti zobuxoki ezenziwe yi-AI ukuya kubuqhetseba beLetter of Credit kunye nokulibaziseka kwentlawulo yengingqi, abathengisi bezinto zokudlala bajongene nemingcipheko yokuqokelelwa kwentlawulo engazange ibonwe ngaphambili efuna ingqwalaselo engxamisekileyo. Le ngxelo ihlalutya iipateni zobuqhetseba ezivelayo kwaye inika ukhuseleko olusebenzayo lokujonga imeko yentlawulo enobungozi ka-2025.
Indawo Yokukhohlisa Eguqukayo: Iinkqubo Eziqhutywa yi-AI kunye Neengozi Zengingqi
Eyona nto ixhalabisayo kukukhwabanisa intlawulo engaphaya kwemida kukwamkelwa ngokukhawuleza kweteknoloji ye-AI ngabakhohlisi. Amaqela olwaphulo-mthetho asebenzisa ngakumbi iimodeli ezinkulu zeelwimi ezifana neFraudGPT kunye neWormGPT ukuvelisa ii-imeyile ezintsonkothileyo ze-phishing, ukudala iiprofayili zabathengi bobuxoki, kunye nokudlula iinkqubo zokuqinisekisa ukhuseleko, ngokutsho kweRiskified's 2024 Global Insights Report on Chargeback Challenges. Ezi zixhobo ze-AI zivumela abakhohlisi ukuba baseke "iiakhawunti zerobhothi" ezibonakala zisemthethweni ezinokugqiba ngempumelelo ukuthenga ngaphambi kokuba zinyamalale neempahla, zishiye abathumeli ngaphandle bengahlawulwa.
“Abakhohlisi abasebenzisa i-AI banokudala amakhulu eenombolo zobuxoki ezibonakala ziyinyani ngokwaneleyo ukuba ziphumelele uvavanyo olusisiseko lokuqinisekisa,” ucacisa uTasneen Padiath, uMlawuli we-APAC kwiRiskified, inkampani ephambili yokuthintela ubuqhetseba. “Kwishishini lezinto zokudlala, apho ukunyuka kwemfuno yexesha lonyaka kudala uxinzelelo lokugcwalisa ii-odolo ngokukhawuleza, ezi akhawunti zobuxoki zibangela ilahleko enkulu—ngamanye amaxesha amashumi amawaka eedola ngesiganeko ngasinye.”
Ukwahluka kwemimandla kwiindlela zobuqhetseba kwenza kube nzima ngakumbi ukulawula umngcipheko. ECosta Rica, imakethi ephambili yokuthunyelwa kweethoyi zaseTshayina, ukuguquguquka kwemali kunye nokungazinzi koqoqosho kukhokelele ekunyukeni kweemeko zokulibaziseka kweentlawulo kunye nokuqokelelwa kwemithwalo yezibuko njengoko abathengi besala ukwamkela ukuhanjiswa xa amaxabiso okutshintshiselana eba mabi, ngokutsho kweBhunga lePhondo laseZhejiang lokuKhuthazwa koRhwebo lwaMazwe ngaMazwe. Oku konyuse iindleko zokugcina nezokuthutha zabathumeli ngaphandle ngomndilili we-12-15% ngo-2025.
Iimarike zaseLatin America zinemingeni eyahlukeneyo, apho abakhohlisi besebenzisa iinkqubo zokudlulisela imali ngexesha langempela ezixhaphakileyo kulo mmandla. Ngokubamba iziqinisekiso zokuhlawula zabathengi nokusebenzisa i-AI ukwenza iinkcukacha zobuwena, abaphuli-mthetho baye bandisa ukuthengiselana ngobuqhetseba okujolise ekuthunyelweni kweethoyi—ingakumbi izinto ezinexabiso eliphezulu ezifana neenombolo eziqokelelweyo kunye neethoyi ze-elektroniki ezigcina ixabiso lokuthengisa kwakhona. Iimarike ezisakhulayo ezineziseko zebhanki ezingaphuhliswanga kakuhle zezona zisengozini enkulu, zijongene nokulahlekelwa yingeniso ukuya kuthi ga kwi-6% ngenxa yobuqhetseba bokuhlawula xa kuthelekiswa nomyinge wehlabathi we-3%, idatha yeRiskified ibonisa.
Iindlela zemveli zobuqhetseba ziyaqhubeka kunye nezi zisongelo zintsha. Ubuqhetseba beeleta zetyala (L/C) busengumba oxhalabisayo, apho abaqhetseba bedala amaxwebhu angeyonyani okanye beguqula iinkcukacha zokuthunyelwa ukuze batshintshe iimpahla. Umthengisi weethoyi osebenza eGuangdong ogxile kwiimveliso zemfundo uxele ukuba ulahlekelwe yi-$400,000 ekuqaleni kuka-2025 emva kokuba umthengi kuMzantsi-mpuma weAsia eveze amaxwebhu e-L/C angeyonyani abonakala eyinyani de ukuthunyelwa sele kusendleleni.
Izifundo Zetyala: Indlela Abathumeli Bezinto Zokudlala Abajoliswa Ngayo
Iziganeko zakutshanje zibonisa iingozi ezahlukeneyo ezijongene nabathumeli bamanye amazwe bezinto zokudlala. NgoMatshi 2025, umenzi ophakathi eYiwu ogxile kwizinto zokudlala ezithambileyo wafumana iodolo enkulu evela kwinkampani esandul’ ukusungulwa eBrazil ngeemveliso ezixabisa i-$250,000. Umthengi wagxininisa ekusebenziseni indlela yokuhlawula yasekuhlaleni engaziwayo kangako waza wanika amaxwebhu okuqinisekisa ubuwena abonakala ngathi asemthethweni. Emva kokuthumela iodolo, uthumeli wafumanisa ukuba inkampani yayingeyonyani—amaxwebhu ayo obuwena enziwe yi-AI—kwaye intlawulo yayisele yenziwe ngolwazi lwekhadi letyala elibiweyo. Ngexesha lokuqalisa ukubuyiselwa kwemali, iimpahla zazisele zisasazwe ngeendlela ezingacwangciswanga eBrazil.
Elinye ityala lalibandakanya umthengisi wezinto ezinobungozi ohlala eHong Kong owaba lixhoba lobuqhetseba be-L/C eYurophu. Umthengi, owayezenza inkampani engaphantsi kwenkampani eyaziwayo yokuthengisa, wanikezela nge-L/C ngebhanki encinci yaseMpuma Yurophu. La maxwebhu abonakala efanelekile, kodwa emva kokuhlolwa ngokusondeleyo emva kokuthunyelwa, kwafunyaniswa ukungangqinelani kwiikhowudi zokugunyazisa zebhanki. Ngelo xesha, izinto zokudlala—ezinoonobumba abadumileyo abadumileyo—zazisiwe kwindawo yokugcina impahla engagunyaziswanga kwaye zithengiswa kwiimarike zesibini.
Mhlawumbi eyona nto ixhalabisayo kukubuyiselwa kwemali ngendlela ecwangcisiweyo echaphazela abathengisi bezinto zokudlala kwiimarike ezinkulu. Inkampani yesitoyi yaseShenzhen ethengisa imarike yaseYurophu yaseAmazon ibike ukwanda kwama-300% kwizimangalo "zezinto ezingafunyanwanga" kwikota yesibini ka-2025, nangona besebenzisa iinkonzo zokuthumela ezilandelelweyo. Uphando lutyhile ukuba abakhohlisi babesebenzisa i-AI ukwenza utshintsho oluqinisekileyo kwidilesi yokuhanjiswa kwempahla baze emva koko babanga ukungaziswa kwayo. Le nkampani iqikelela ukuba ezi ntlawulo zibubuxoki zibabize i-$80,000 kwiimpahla ezilahlekileyo kunye nemirhumo yokucubungula izinto kwiinyanga ezintathu nje.
Amaqhinga Okunciphisa Umngcipheko: Amanyathelo Asebenzayo Kwabathumeli Bamanye Amazwe
Ukuze kuliwe nezi ngxaki zitshintshayo, abathengisi bezinto zokudlala bamkela iindlela zolawulo lomngcipheko ezinezigaba ezininzi ezidibanisa ubuchwepheshe, ukucophelela, kunye nobudlelwane obucwangcisiweyo.
Ukuphuculwa koBuchule kunye noQinisekiso
Abathengisi abaphambili ngoku baphumeza imigaqo engqongqo yokuqinisekisa abathengi ngaphambi kokuba bamkele ii-odolo. Oku kuquka ukuqinisekisa ubhaliso lweenkampani ngokusebenzisa amagumbi orhwebo asekuhlaleni, ukujonga imbali yetyala ngeenkonzo ezifana neDun & Bradstreet, kunye nokufuna amaxwebhu ongezelelweyo kubathengi abaqalayo. "Ngoku senza iifowuni zevidiyo nabathengi abatsha ukuqinisekisa indawo yabo yeshishini kwaye sinyanzelisa ukuba kuhlawulwe inxalenye yee-odolo ezingaphezulu kwe-$50,000," utshilo umphathi womngcipheko kwinkampani enkulu yokuvelisa izinto zokudlala eGuangdong. "La manyathelo anciphise ilahleko zethu zobuqhetseba ngama-40% kulo nyaka."
Kwintengiselwano ekwi-intanethi, ukusebenzisa izixhobo zokuqinisekisa ubuwena ezisebenzisa i-AI kuye kwaba yinto ebalulekileyo. Izisombululo ezifana nenkqubo yokufumanisa ubuqhetseba yeRiskified zisebenzisa i-machine learning ukuhlalutya amakhulu eenkcukacha-ukusuka kwiidilesi ze-IP ukuya kwiipateni zokukhangela-ukuchonga iintengiselwano ezikrokrisayo ngaphambi kokuba iimpahla zithunyelwe. "Iimodeli zethu ze-AI zinokubona i-95% yeeakhawunti zobuxoki ezenziwe yi-AI ngokuhlalutya ukungangqinelani okufihlakeleyo kwiipateni zazo zokuziphatha," ucacisa uPadiath.
Ukukhetha Indlela Yokuhlawula Ngobuchule
Ukukhetha indlela yokuhlawula efanelekileyo ngokusekelwe kwimarike kunye neprofayili yomthengi kunciphisa kakhulu umngcipheko. Kwiintengiselwano ezinexabiso eliphezulu kwiimarike ezingaziwayo, uninzi lwabathengisi ngoku bagxininisa kwi-L/Cs ezingenakuguqulwa eziqinisekiswe ziibhanki zamazwe ngamazwe ezidumileyo endaweni yamaziko asekuhlaleni. Ii-odolo eziphakathi zihlala zisebenzisa iinkonzo ze-escrow ezifana ne-Alibaba's Trade Assurance, egcina imali de kuqinisekiswe ukuhanjiswa kwayo.
Kwiimarike ezisakhulayo, ukusebenzisana nababoneleli beentlawulo abakhethekileyo abawela imida kunika ukhuseleko olungcono kuneendlela zebhanki zemveli. Iinkampani ezifana ne-XTransfer, egxile kwiintlawulo zorhwebo lwangaphandle ze-B2B, zibonelela ngeeakhawunti zokuqokelela zasekuhlaleni kwiimarike ekujoliswe kuzo, zinciphisa ukuthembela kwiibhanki eziphakathi kwaye zibonelela ngokujonga ubuqhetseba okungcono. "Ukusebenzisa iiakhawunti zokuqokelela zasekuhlaleni kuMzantsi-mpuma we-Asia kunciphise ukulibaziseka kwentlawulo yethu ngama-70% kwaye kunciphisa neziganeko zobuqhetseba," uphawula umthengisi weethoyi osebenza e-Indonesia naseVietnam.
Iinshorensi kunye noKhuseleko lwezeMali
Inani elikhulayo labathengisi bezinto zokudlala bajika baye kwi-inshurensi yetyala lokuthumela ngaphandle ukuze bakhuseleke kwiingozi zokungahlawuli. Idatha yeSinosure ka-2025 ibonisa ukuba i-inshurensi yayo yetyala lokuthumela ngaphandle yexesha elifutshane, egubungela iingozi zorhwebo nezopolitiko, ixhase i-$140.7 yeebhiliyoni kwiimpahla zokudlala ezithunyelwa ngaphandle kwisiqingatha sokuqala sonyaka, ukunyuka kwe-5% ukusuka kwixesha elidlulileyo. Le inshurensi idla ngokugubungela i-80-90% yelahleko ezivela ekungakwazini ukuhlawula amatyala kumthengi, ukungahlawuli ixesha elide, okanye iziganeko zezopolitiko.
Kwiintengiselwano eziphindaphindayo, iinkonzo zokufaka iifakthari zibonelela ngolunye ulwahlulo lokhuseleko ngokuthenga iiakhawunti ezifunyenweyo ngesaphulelo kwaye zicinge ukuba umngcipheko wokuqokelela imali uya kuncipha. Oku akunciphisi nje kuphela ukuvezwa kwityala elibi kodwa kukwaphucula ukuhamba kwemali—inzuzo ebalulekileyo kushishino lweethoyi olusebenzisa imali eninzi kunye nemijikelo yalo yemveliso yexesha lonyaka.
Ubungqina Bekamva Ngokwahlukileyo Kwizisongelo Ezivelayo
Njengoko abakhohlisi besebenzisa izixhobo ze-AI ezintsonkothileyo, abathumeli ngaphandle kufuneka bahlale behlaziya iindlela zabo zokuzikhusela. Iingcali zoshishino zicebisa uqeqesho oluqhelekileyo lwabasebenzi malunga namaqhinga okuqhatha asakhulayo, ingakumbi lawo aquka umxholo owenziwe yi-AI. "Uninzi lwabathengi bethu ngoku luqhuba iimodeli zekota apho amaqela aziqhelanisa nokuchonga amaxwebhu enziwe yi-AI kunye neeprofayili zabathengi bobuxoki," utshilo umcebisi womngcipheko ogxile ekuthumeleni izinto zokudlala kwamanye amazwe.
Intsebenziswano ngaphakathi kushishino nayo iyanda. Imibutho yorhwebo efana ne-China Toy & Juvenile Products Association iseke iidathabheyisi ezabelwana ngazo zabathengi abakhohlisayo kunye neentengiselwano ezikrokrisayo, nto leyo evumela amalungu ukuba abonise iingozi ngokudibeneyo. Okwangoku, ubudlelwane phakathi kwabathumeli ngaphandle kunye neefemu zobuchwepheshe buvelisa izisombululo ezikhethekileyo ngakumbi, ezinjengeenkqubo ezisekelwe kwi-blockchain zokulandelela ukuthunyelwa kunye nokuqinisekisa ubunyani bamaxwebhu ngexesha langempela.
Xa sijonga phambili, abathengisi bezinto zokudlala abanamandla kakhulu ngabo bathengisa izinto zokudlala ngononophelo. "Ukwandisa iimarike ezintsha kubalulekile, kodwa kungekhona ngeendleko zokukhusela umngcipheko onganelanga," ucebisa umhlalutyi weshishini kwi-Euromonitor. "Abathengisi bezinto zokudlala abaphumeleleyo bowama-2025 baya kuba ngabo badibanisa ukuthintela ubuqhetseba kwizicwangciso zabo eziphambili zoshishino, besebenzisa indibaniselwano yetekhnoloji, i-inshurensi, kunye neendlela zokuhlawula ezicwangcisiweyo ukukhusela ingeniso yabo."
Njengoko iimpawu zokudlala zaseTshayina ziqatshelwa kwihlabathi liphela—ingakumbi ezo zisebenzisa ii-IP ze-animation ezidumileyo—imfuneko yokukhusela ezi mpahla zixabisekileyo ezithunyelwa kwamanye amazwe kubuqhetseba bentlawulo iba yinto ebaluleke ngakumbi. Ngokusebenzisa iinkqubo zokuqinisekisa eziqinileyo, ukukhetha iindlela ezifanelekileyo zokuhlawula, kunye nokusebenzisa izixhobo zemali ezikhoyo, abathumeli bangaphandle banokuhamba kwindlela enzima yomngcipheko ka-2025 ngelixa beqhubeka nokwakha ubukho babo kwihlabathi liphela.
Ixesha leposi: Septemba-20-2025
