Ziziphi ii-'super apps' kwaye kutheni iYurophu ingekabinayo?

Ngaba ukhe wacinga ukuba uyakwazi uku-odola ukutya, ukubhukisha iteksi, ukwenza imali ebhankini, kunye nokulawula amatyala akho kwi-app enye kwifowuni yakho? Iminxeba superapps Beza ukuguqula indlela esisebenzisa ngayo itekhnoloji kubomi bethu bemihla ngemihla, ukudibanisa zonke iintlobo zeenkonzo kwiqonga elinye ledijithali.

EYurophu sisasetyenziselwa ukufaka uninzi lweeapps kwinkonzo nganye kodwa, Kumazwe aseAsia naseLatin America, iiapps eziphezulu sele ziyinxalenye yendlela yemihla ngemihla yezigidi zabantu.Kutheni bephumelela, ziziphi iingenelo neengxaki zabo, yaye banayiphi impembelelo kuqoqosho nakuluntu lwanamhlanje?

Lithetha ukuthini ngokwenene igama elithi "superapp"?

IiSuperapps zi Usetyenziso lweselula olusebenzayo oludibanisa iinkonzo ezahlukeneyo kunye nezinto eziluncedo zihlala zisasazwa kwiiapps ezizimeleyo, ngaloo ndlela ibonelela ngamava omsebenzisi amanyeneyo nalula. Endaweni yokutshintsha phakathi kwee-apps uku-odola ukutya, ukuthumela imali, ukuthenga amatikiti, okanye ukuncokola nabahlobo, ii-superapps zibeka embindini zonke ezi zenzo phantsi kojongano olunye.

Yintoni eyahlula kubo kwi-app eqhelekileyo ukukwazi kwayo ukuba liziko lemithambo-luvo kubomi bedijithali bomsebenzisi, ukulawula yonke into ukusuka kwiintlawulo, ukuhamba, ukuthenga, kunye nokuzonwabisa ukuya kwiinkonzo zebhanki kunye nemiyalezo. Oku kuguqulela kube lula ngakumbi kubasebenzisi kunye nezithintelo ezisezantsi zokungena ukufikelela kwiinkonzo ezintsha, njengoko yonke into idityanisiwe kwaye ukubhaliswa, ukuqinisekiswa, kunye namava okuhlawula ahlala ekwabelwana ngawo.

 

Ukongeza, ii-superapps zidibanisa njenge amaqonga avuleleke kumaqela esithathu, ivumela iinkampani ezininzi okanye amakhulu ukuba abonelele "ii-mini-apps" okanye "iinkqubo ezincinci" ngaphakathi kwe-superapp ngokwayo, ngaloo ndlela zityebisa inkqubo yendalo kunye nokukhuthaza ukusungulwa kwedijithali.

Ngale ndlela, abasebenzisi badinga kuphela ukukhuphela usetyenziso kwisixhobo sabo kwaye, ukusuka apho, banokulawula imiba emininzi yobomi babo bemihla ngemihla ngokukhawuleza nangokufanelekileyo, ngaphandle kokukhumbula uninzi lwamagama agqithisiweyo okanye ukuphinda baqwalasele iindlela zokuhlawula.

Yintoni imvelaphi kunye nokuvela kwe-superapps?

Ingqikelelo yanamhlanje ye-superapp Ivela e-Asia, ngakumbi e-China. KulaphoWeChat wathabatha inyathelo lokuqala ngo-2011 ngokuguqula i-app yemiyalezo elula ibe yindalo yonke ehlangeneyo yeenkonzo zedijithali. Ekuqaleni i-"WhatsApp yaseAsia," i-WeChat yakhawuleza yongeza intlawulo, imidlalo, ukubhukisha, ukuthenga, ulawulo lokuqeshwa, kunye nobunye ubuchule, yaba yeyona nto iphambili kuluntu lwaseTshayina.

Eminye imizekelo ephambili yile Ukubamba, wazalelwa eSingapore njengosetyenziso lwezothutho, okanye Rappi ELatin America, yaqala njengenkonzo yokuhanjiswa kwaye ngoku ikuvumela ukuba uhlawule irhafu kunye ne-odolo yeeteksi, kunye nokurhoxisa imali kwaye wenze iintengiselwano zemali.

Uphuhliso lweesuperapps lusabela kwimfuno yentlalo: ukufuna eyona nto iphambili kunye nokwenza lula idijithaliKwiindawo ezininzi, ukufikelela kwi-intanethi kwanikezelwa ngokuthe ngqo kwizixhobo eziphathwayo, ukudlula iwebhu, ukuququzelela ukwamkelwa ngokubanzi kwezi ziqonga.

EYurophu, le modeli ihambela phambili ngokucothayo ngenxa yokukhetha usetyenziso olukhethekileyo, iinkxalabo malunga nobumfihlo, kunye nemithetho engqongqo kukhuphiswano kunye nokhuseleko lwedatha.

Kutheni usetyenziso oluphezulu luphumelele? Iinzuzo eziphambili kubasebenzisi kunye namashishini

Amandla aphambili e-superapps Ukwenza lula ngokugqibeleleyo amava edijithali omsebenzisi, okubavumela ukuba bafikelele ngokulula kwiinkonzo ezininzi ukusuka kwindawo enye, eqhelekileyo, ekhuselekileyo, nefikeleleka lula. Oku kubangela ukonga ixesha, imiqobo yobugcisa embalwa, kunye nokuncipha okukhulu kwimisebenzi enxulumene nokulawula idatha yomntu, iintlawulo, okanye ukufunda izixhobo ezitsha.

• Amava omsebenzisi aphuculweyo: Ngokubeka kwindawo enye unikezelo lwenkonzo kunye nokusebenzisa ujongano olunye, ukukhangela kuhamba ngokukhawuleza, ukuhambelana, kunye nokhuseleko, ukunciphisa ijika lokufunda kunye nokwenza ngcono ukusetyenziswa kwesixhobo esiphathwayo.
• Ukugcina indawo kunye nezixhobo: Inkqubo enye yesoftware ithatha indawo yee-apps ezininzi, ikhulula ugcino kunye nokunciphisa ibhetri kunye nokusetyenziswa kwememori. Oku kubaluleke kakhulu kwiimarike apho abasebenzisi abaninzi bengenazo izixhobo eziphezulu.
• Ubuwena obukhulu kunye neengcebiso: Enkosi kulawulo lwedatha esembindini, iisuperapps zinokulindela iimfuno zabasebenzisi, zibonelela ngeentengiso ezilungiselelweyo kunye neenkonzo ngexesha elifanelekileyo.
• Ukukhuthaza ukubandakanywa kwemali: Kwiindawo ezinokufikelela okuphantsi kweebhanki, ii-superapps ziye zaba zizixhobo ezibalulekileyo zokufikelela kwiinkonzo zemali, ezivumela abasebenzisi ukuba basebenze ngaphandle kwamakhadi etyala okanye ii-akhawunti zebhanki.

Kwiinkampani, Iisuperapps zivula iingcango kwiimodeli zeshishini elinenzuzo ngakumbi kunye namandla, Oku kuvumela ukugcinwa kwedatha kwindawo eyodwa, ukwahlula-hlulwa kwabathengi, kunye nokunyaniseka okwandisiweyo. Umboneleli unokufikelela kwizigidi zabasebenzisi ngexabiso eliphantsi ngokudibanisa ii-mini-apps zabo kwi-superapp kunye nokuthatha inxaxheba kumaphulo asebenza ngokugqithisileyo kunye neentengiso.

Ngaphaya koko, ukudityaniswa kwenkonzo kuvumela ukwandiswa kotyalo-mali kuphuhliso lwetekhnoloji, ukugxila kwizibonelelo kwi-app enye endaweni yokugcina izisombululo ezininzi ezihlanganisiweyo.

IiSuperapps kunye necandelo lezemali: utshintsho olukhulu kwiinkonzo zebhanki

Elinye lawona macandelo aguqulelwe kakhulu kuphuhliso lwe-superapps icandelo lezemali. La maqonga akuvumela ukuba wenze iintlawulo ngoko nangoko, ulawule iimali-mboleko, uthenge iimveliso okanye iinkonzo, kwaye uthenge amakhaya okanye ukhuphe imali yokubambisa ngaphakathi kwi-app enye.

Iibhanki zemveli zisabela ngokubheja Ukudibanisa iinkonzo zabo kwii-superapps ezikhoyo okanye ukuphuhlisa ezaboImizekelo iquka i-Tinkoff yase-Russia, i-BBVA e-Spain nase-Mexico, kunye nokudityaniswa kweenkonzo zemali kwi-Uber, i-Revolut, ne-Mercado Libre.

Ubuninzi bedatha eqokelelwe yi-superapps ibavumela ukuba bajolise ekunikezelweni kwezemali kunye neemveliso, balindele iimfuno zabasebenzisi ngokuchaneka okungazange kubonwe ngaphambili, iguqula kakhulu ubudlelwane phakathi kwebhanki kunye nomthengi.

Izithako ze-superapp eyimpumelelo: Kuthatha ntoni ukuze uphumelele?

Kukho iintsika ezintathu ezibalulekileyo ze-superapp ukuziseka njengeqonga eliphambili kwintengiso yayo:

1. Imeko yokusetyenziswa okukhulu kunye nenomtsalane: Ihlala iqala "nge-app ebulalayo" njengomyalezo okhawulezileyo, iintlawulo, uthutho, okanye ukuhanjiswa, okutsala isiseko esikhulu somsebenzisi.
2. Ukuthemba kunye nokhuseleko: Abasebenzisi kufuneka bazive ngathi idatha yabo yobuqu kunye neyemali ikhuselwe kakuhle kwaye ilawulwa ngumnikezeli onoxanduva kunye noselubala.
3. Ukuvuleleka kumaqela esithathu kunye ne-ecosystem eyomeleleyo: Ukukhula kunye nokubonelela ngexabiso elongezelelweyo, i-superapp kufuneka yenze kube lula kwiinkampani zangaphandle ukuphuhlisa i-mini-apps ngaphakathi kweqonga, ukufikelela kwi-APIs, kunye nokudala amava amatsha, adibeneyo.

Ukulinganisa kubalulekile: Inzuzo ye-superapp ixhomekeke kakhulu ekukwazini ukufikelela kwizigidi zabasebenzisi kunye nokuququzelela amawaka eentsebenziswano zemihla ngemihla, njengoko imodeli yeshishini isekelwe kwixabiso kunye neentlawulo zentengiselwano. Okukhona iinkonzo ezininzi kunye nababoneleli bedityanisiwe, kokukhona ixabiso eliqikelelwayo kumsebenzisi wokugqibela.

Superapps eYurophu

Ukufika kwe-superapps eYurophu (kwaye, kwinqanaba elithile, nakuMntla Merika) kuhlangatyezwane neentlobo ezahlukeneyo imiqobo yesakhiwo nenkcubeko. Abasebenzisi baseNtshona bathande ukukulumkela ngakumbi ukugxila kubomi babo bedijithali kwi-app enye, ngenxa yezizathu zabucala, ukhuseleko, kunye neentlobo ezahlukeneyo zeminikelo.

Ngaphaya koko, imakethi yesicelo eNtshona iye yavela kwiwebhu esekwe kwiselfowuni, kunye nababoneleli abaninzi abasekwe nkqo kwaye ukhuphiswano oluqatha phakathi kwezigebenga zetekhnoloji. Endaweni ye-superapp enye, umxholo ophambili apha "ngamakroza" osetyenziso olusuka kuhlobo olufanayo (uGoogle, iMeta, iMicrosoft), edibanisa imisebenzi eqhelekileyo kodwa igcine inqanaba elithile lokuzimela.

Ekugqibeleni, i isakhelo somthetho nesilawulayo (ukungathembeki, ubumfihlo, ukhuphiswano olungalunganga) lunciphisa ukwandiswa kweemodeli ze-superapp ezinokugxininisa amandla amaninzi, zicotha ukudityaniswa kwamaqonga akhoyo kwindawo yonke.

Ngaba zikho izizathu zokuthandabuza okunjalo? Inyaniso kukuba Ukudibanisa ulwazi lwezemali, lobuqu, kunye nolwazi lomsebenzi phantsi kweqonga elinye lubandakanya imingcipheko yetekhnoloji neyemfihlo ekungafuneki ijongelwe phantsi. Ii-Superapps zinokuba yinto ekujoliswe kuyo ekuhlaselweni kwe-cyberattacks, kwaye bobabini abasebenzisi kunye namashishini kufuneka basebenzisane kwizicwangciso zokukhusela idatha kunye neendlela ezingcono zokhuseleko.

Kuyo nayiphi na imeko, i-superapps imele inguqu ebalulekileyo kuqoqosho lwedijithali lwehlabathi, Ukudibanisa okusebenzayo, ukusungulwa kwetekhnoloji, kunye neqonga loqoqosho ukuphendula kwiindlela ezintsha zokuphila, ukunxibelelana kunye nokusebenza. Ukuba ufuna ukuhlala unolwazi ngophuhliso lwamva nje kwaye ungaze uphoswe luhlaziyo lwetekhnoloji enye, ezi ntlobo zezicelo ziyakuseta ithoni kwixesha elizayo elingekude.