I-SHENZHEN, Okthoba. [XX] — Lapho umthengisi wamathoyizi osuka eGuangzhou ogxile emananini aqoqwayo engene kwi-akhawunti yakhe ye-PayPal ekuqaleni kuka-2025, inkampani yabhekana nesimo esibi kakhulu: \(Imali engenayo yokuthengisa engu-320,000 yayivalwe ngaphandle kwesixwayiso sangaphambilini. Imali—eyayibekelwe ukuthengwa kwezinto zokusetshenziswa ngaphambi kwesikhathi samaholide esibucayi—yahlala ingafinyeleleki izinsuku ezingu-72 ngenkathi ipulatifomu iphenya "ngokwephulwa kwenqubomgomo okungenzeka." Lesi sigameko sibonisa inkinga ekhulayo emkhakheni wokuthumela amathoyizi eShayina: ukwanda kokukhokha kwabantu besithathu kuyama okwaphazamisa \) ukuthengiselana kwezigidigidi ezingu-2.8 phakathi nengxenye yokuqala ka-2025, ngokusho kwe-China Toy & Juvenile Products Association (CTJPA). Njengoba amapulatifomu okukhokha omhlaba wonke eqinisa ukuhlolisiswa phakathi kwemithethonqubo eqinile yokulwa nokuhlanzwa kwemali (AML) kanye nokuphathwa kwengozi okuqhutshwa yi-algorithm, abathumeli bamazwe bazama ukwamukela amasu amasha okuvikela ukuhamba kwemali yabo.
Ubhubhane Lweqhwa: Izimbangela kanye Nobukhulu Benkinga
Igagasi lokumiswa kwezinkokhelo lika-2025 livela esiphephweni esiphelele sokuqina kwemithetho kanye nokuphazamiseka kobuchwepheshe. Abahlinzeki bezinkokhelo bomhlaba wonke abanjengoPayPal, Stripe, kanye ne-Alipay+ basebenzise izilawuli zezingozi ezinamandla kakhulu ngemuva kweziqondiso ze-Financial Action Task Force (FATF) ezibuyekeziwe ezamukelwe ngasekupheleni kuka-2024, ezigunyaza ukuqapha ukuthengiselana okuqinile kanye nokuthuthukiswa kokucophelela okufanele kwezentengiselwano eziwela imingcele.
Izimakethe zaseYurophu zibe yinselele kakhulu ngemuva kokuba i-Single Euro Payments Area (SEPA) yande ukuze ifake iNyakatho Macedonia neMoldova ngo-Okthoba 2025, kuyilapho isicelo seSerbia sabambezeleka ngenxa yokukhathazeka kwe-EU mayelana nohlaka lwayo lwe-AML. Lokhu kuhlukana kwemithetho kuphoqe amapulatifomu okukhokha ukuthi asebenzise indlela "yokusola kuze kube yilapho kutholakala ukuthi ayinacala", lapho ukuthengiselana ngamathoyizi kuvame ukuphawulwa ngenxa yobuningi bawo obukhulu, ukuguquguquka kwesizini, kanye nokuxhumana ngezikhathi ezithile nezimpahla mbumbulu.
"Amapulatifomu asebenzisa izinhlelo eziqhutshwa yi-AI ezimaka ukuthengiselana okusekelwe kumakhulu eziguquguquko, kodwa lawa ma-algorithms avame ukuhlanekezela ukuthunyelwa kwamathoyizi okusemthethweni njengokuyingozi enkulu," kuchaza uMichael Chen, umqondisi wokuphathwa kwezingozi kwa-XTransfer, umhlinzeki wezixazululo zokukhokha ngaphesheya kwemingcele. "Sibone ukwanda okungu-217% kwamacala okuqandisa ahilela abathumeli bamathoyizi baseShayina ngo-2025, kanti izikhathi zokuxazulula ezimaphakathi ziqala ezinsukwini ezingu-14 ngo-2023 kuya ezinsukwini ezingu-47 manje."
Amanethiwekhi okukhokha asekhaya nawo anegalelo ekucindezelweni. Ibhange eliphakathi laseShayina libike ukuthi i-UnionPay kanye ne-NetUnion bakhiphe abathengisi abangu-25 abangathobeli imithetho ezinyangeni eziyisishiyagalombili zokuqala zika-2025, bavala izimali zabo futhi babafaka ohlwini lwabamnyama ekuthengisweni kwesikhathi esizayo. Ngenkathi amabhizinisi amaningi athintekile ayenezinkinga zokuthobela imithetho ngokusemthethweni, abantu abangaphakathi embonini balinganisela ukuthi u-15-20% wokuvalwa kwemithetho kuhilela imiphumela engamanga, ikakhulukazi elimazayo emkhakheni wamathoyizi lapho u-60% wemali engenayo yonyaka ikhiqizwa khona ngesikhathi samaholide e-Q3-Q4.
Izingozi Eziqondene Nemakethe kanye Namacala Avelele
Umthelela wokumiswa kwezinkokhelo uyahlukahluka kakhulu kuzo zonke izindawo zokuthumela kwamanye amazwe, okudala indawo eyinkimbinkimbi yengozi kubathumeli bamathoyizi baseShayina.
ENyakatho Melika, emunca u-38% wokuthunyelwa kwamanye amazwe kwamathoyizi aseShayina, inhlanganisela yemithetho eqinile yokuvikela abathengi kanye nokutholwa kokukhwabanisa okunamandla kuholele ekwandeni okungu-189% "kokumiswa okuhlobene nokubuyiselwa kwemali." Umkhiqizi wamathoyizi athambile ose-Yiwu wabona u-$180,000 umiswa ngemuva kokuba umthengi wase-US ethi "awathunyelwanga" naphezu kobufakazi bokulandelela. Imali ikhishwe kuphela ngemuva kwenqubo yokulamula ebiza kakhulu eyathatha izinsuku ezingu-63, okuphoqa inkampani ukuba ilibazise ukukhiqizwa komugqa wayo kaKhisimusi.
Izimakethe zaseYurophu zinezinselelo ezahlukene ngaphansi kwemithetho emisha ye-SEPA. Abathumeli bamazwe babika ukuthi ukuthengiselana okungaphezu kuka-€15,000 manje kubhekene nokubuyekezwa okuzenzakalelayo, kanti u-12% wezinkokhelo ungaphansi kokugcinwa isikhathi eside. Inkampani yaseShenzhen ethumela amathoyizi okufundisa eJalimane yayivalwe ama-€240,000 ngoMashi 2025 lapho ama-algorithms epulatifomu ephawula "amaphethini okuthengiselana angavamile" - kamuva okwabangelwa ukwanda kwesizini kwama-oda amakhithi ayo athandwayo emodeli yama-dinosaur.
Izimakethe ezisafufusa azinasiphephelo esikhulu. ENingizimu-mpumalanga ye-Asia, lapho iziteshi zokuhweba ezingakahleleki zivame khona, ukumiswa kwezinkokhelo kukhuphuke ngo-230% unyaka nonyaka, okuvame ukubangelwa imibhalo engahambisani. Umthumeli wezimpahla eGuangdong ulahlekelwe ukufinyelela ku-$95,000 ngoMeyi 2025 ngemuva kokuba umlingani waseMalaysia esebenzise i-akhawunti yomuntu siqu hhayi yebhizinisi ukukhokha, okwabangela amafulegi e-AML.
Mhlawumbe okukhathaza kakhulu amacala ahlobene nezingxabano zempahla yobuhlakani. Ngo-Ephreli 2025, intela yaseShanghai yathumba amathoyizi angu-1,800 angombombayi e-"POP MART" ayeya eBelgium. Ngenkathi umthengisi ophula umthetho ebhekene nemiphumela yezomthetho, imithombo yezimboni ibika ukuthi amabhizinisi amaningana asemthethweni asebenzisa izigaba zomkhiqizo ezifanayo abhekane nokumiswa kwempahla njengoba amapulatifomu andisa imingcele yawo yengozi.
Izimpendulo Ezihlakaniphile: Ukwakha Uhlelo Lokuzivikela Olunezingqimba Eziningi
Bebhekene nale nkinga ekhulayo, abathengisi bamathoyizi abahamba phambili basebenzisa amasu aphelele ahlanganisa izinyathelo zokuvimbela, iziteshi zokukhokha ezahlukahlukene, kanye nokuthobela imithetho ngokushesha.
Ukuhlukahluka Kwezinkokhelo: Ukunciphisa Ukuthembela Kwepulatifomu
Izinkampani ezicabanga phambili zidlulela ngale kokuthembela kwepulatifomu eyodwa ukuze zakhe amaphothifoliyo okukhokha ahlukahlukene. "Manje sihlukanisa izinkokhelo ngeziteshi ezintathu: u-40% ngezincwadi zesikweletu zendabuko, u-35% ngabahlinzeki bokukhokha abakhethekile be-B2B, kanye no-25% ngamapulatifomu amakhulu," kusho uZhang Wei, umqondisi wokuthumela kwamanye amazwe kwa-Alpha Group. "Le ndlela yanciphisa ukuvezwa kwethu lapho i-PayPal imisa enye yama-akhawunti ethu ngoFebhuwari."
Izixazululo ezintsha ezifana ne-"money bridge" yemali yedijithali yaseShayina ziya ngokuya zithandwa. Ngo-Agasti 2025, igatsha laseShunde laseBhange laseShayina lenza lula ukuthengiselana okuphawulekayo kusetshenziswa uhlelo lokukhokha olusekelwe ku-blockchain, oluvumela ukudluliselwa okuqondile nokulandelekayo phakathi kwamabhange amakhulu abambe iqhaza. "Ibhuloho lemali linciphise izindleko zethu zokuthengiselana ngo-18% futhi lasusa izingozi zokungakhokhi kwalezo zinkokhelo," kuphawula umphathi wezezimali kumkhiqizi wamathoyizi aseFoshan.
Ezimakethe zaseYurophu, abathumeli bamazwe angaphandle basebenzisa kakhulu amakhono okukhokha okusheshayo e-SEPA awethulwa ngo-2024, avumela ukudluliselwa kwemizuzwana eyi-10 ngokusobala okugcwele, okunciphisa kakhulu amathuba okuma.
Ukuthuthukiswa Kokuthobela Imithetho: Ukubhala Amadokhumenti Nokuqikelela Okufanelekile
Abathumeli bangaphandle batshala imali eningi ekuqiniseni izinqubo zokuthobela imithetho ukuze kuvinjelwe ukumiswa kwemithetho. Imikhuba emihle ihlanganisa:
- Izinqubo ze-KYC (Yazi Ikhasimende Lakho) ezithuthukisiwe ngokuqinisekiswa kwamalayisense ebhizinisi labathengi kanye namarekhodi entela
- Imibhalo yokuthengiselana enemininingwane ehlanganisa ama-invoyisi e-pro forma, ama-shipping manifest, kanye nezitifiketi zokugunyazwa kwe-IP
- Ukuhlanganiswa kokulandelela kwesikhathi sangempela ukunikeza ubufakazi bokulethwa obungenakuphikiswa
- Ukuqeqeshwa kwabasebenzi njalo ngezinqubomgomo zesikhulumi ezishintshayo kanye nezidingo ze-AML zomhlaba wonke
"Wemanje gcina ifolda yokuthobela imithetho yentengiselwano ngayinye ezomelana nokuhlolwa kwemithetho," kuchaza uLi Jia we-HobbyMax. "Lapho enye yezinkokhelo zethu ihlatshwa umkhosi ngoJuni, sanikeza iphakheji yamadokhumenti futhi sakhipha imali emahoreni angu-48 esikhundleni samasonto."
Amaqhinga Okuhlela Okuphuthumayo kanye Nokululama
Naphezu kwezinyathelo zokuvimbela, ukuminyana kusenzeka, okwenza amasu okululama asebenzayo abe yinto ebalulekile. Izindlela eziphumelelayo zifaka:
- Ukusungula ubudlelwano obuqondile namaqembu okuphatha izingozi zepulatifomu kunokuthembela kuphela ezinhlelweni ezizenzakalelayo
- Ukuthenga umshwalense wesikweletu sokuhweba ohlanganisa izimali eziqandisiwe (manje onikezwa yi-Sinosure ngokwamukelwa okungu-20% phakathi kwabathengisi bamathoyizi ngo-2025)
- Ukusebenza nezinkampani zomthetho ezikhethekile ezijwayelene nezinqubo zokuxazulula izingxabano zepulatifomu yokukhokha
- Ukugcina i-reserve liquidity elingana no-15-20% wenani lokuthumela ngaphandle lanyanga zonke ukuze kuvalwe izikhala zemali engenayo
I-CTJPA iphinde yethula i-"Payment Crisis Hotline" ngo-2025, isiza izinkampani ezingamalungu angu-127 ukuthi zithole imali eqandisiwe engu-$43 million ngezingxoxo zesikhulumi kanye nokumela imithetho.
Umbono Wesikhathi Esizayo: Ukuzivumelanisa Nesimo Sengozi Esihlala Njalo
Ochwepheshe bezimboni babikezela ukuthi ukuhlolwa kwezinkokhelo kuzoqina kakhulu, njengoba ukuvumelana kwemithetho yomhlaba wonke kanye nokuqapha okuqhutshwa yi-AI kuba yizici ezihlala njalo zokuhweba kwamanye amazwe. "Isikhathi sokukhokha ngaphandle kokungqubuzana kwezinkampani zangaphandle zokuthunyelwa kwamathoyizi siphelile," kusho uSarah Lee we-Euromonitor. "Ukusinda kudinga ukuphathwa kwengozi yokukhokha njengekhono eliyinhloko kunokuba kube yinto ecatshangelwe kamuva."
Uma sibheka phambili, abathumeli abanamandla kakhulu yilabo abatshala imali ku:
- Ukuhlanganiswa kwe-API phakathi kwezinhlelo zabo ze-ERP kanye namapulatifomu okukhokha ukuze kuqashwe ubungozi ngesikhathi sangempela
- Izixazululo ze-supply chain ezisekelwe ku-Blockchain ezihlinzeka ngamarekhodi okuthengiselana angaguquki
- Ubambiswano oluhlelekile nabasabalalisi bendawo ezimakethe ezibalulekile ukuze kube lula ukucutshungulwa kwezinkokhelo zasekhaya
- Ukubamba iqhaza ezinhlelweni zokukhokha ezihlangene njengeibhuloho lemaliukunciphisa ukuncika ezinkundleni zangasese
Njengoba omunye umthengisi wangaphandle ephawulile: "Sishintshe indlela yethu yokusebenza kusukela 'ekuthembeni ukuthi akukho mingcele' kuya 'ekuhleleni ukuthi izokwenzeka nini.' Inkinga ka-2025 ibe buhlungu, kodwa iphoqa imboni yethu ukuthi yakhe ingqalasizinda yokukhokha eqinile isikhathi eside."
Njengoba ama-oda esikhathi samaholide esevele efika, abathengisi bamathoyizi baseShayina basebenzisa lezi zifundo ezizuzwe kanzima ukuvikela imali engenayo yabo. Embonini eyakhelwe ekuletheni injabulo ezinganeni emhlabeni jikelele, ukuqonda ubunzima bezinkokhelo zomhlaba wonke sekuyingxenye engalindelekile kodwa ebalulekile yokwenza ibhizinisi ngo-2025.
Isikhathi sokuthunyelwe: Septhemba-22-2025
