Fwòd finansye
The field of finance is rapidly undergoing changes through the ages. From simple shells and bones to the e-wallets in our phones, technology is one of the biggest factors influencing these changes. Slowly but steadily, the traditional paper currencies and traditional financial institutions are being replaced by their digital counterparts. If we see closely, we’ll find that it is actually a very nice change in itself. The concept of e-payment is a very novel method which is as fast as it is efficient. However, e-payment is a completely new field, which is adding new challenges and new security issues too. In fact, many people fear that e-payment might be one of the most insecure payment techniques ever. But the truth is just the opposite. Digital peman ka fè yon sèl nan pi gwo etap yo nan direksyon pou kreye metòd la peman pafè,,en,Ki jan yo ka sekirite a nan teknoloji sa a amelyore e-makèt,,en,E-peman yo fòs la kondwi nan biznis dijital,,en,apre yo tout,,en,ki jan yo kapab yon biznis fè fas ak konpetitè li yo san yo pa kapital la,,en,Tache e-peman yo trè nesesè pou sa a,,en,Lè sa a, ki jan yo pral e-peman yo jwenn menm plis sekirite,,en,Sa a se kote sekirite peman vini nan,,en,te sekirite Peman te toujou yon mouvman gwo ak enpòtan pou biznis,,en,plus konsèp nan numérisation te afekte definisyon an nan fraz la sou ane yo,,en,Rezon ki fè yo prensipal pou chanjman sa a se eksplozyon an toudenkou nan innovations konsènan finans,,en,Men kèk egzanp sou innovations sa yo gen ladan bitcoins ak e-bous,,en,enstitisyon yo prensipal ki gen rapò ak pwosesis la nan finans,,en.
How can the security of this technology improve e-shopping?
E-payments are the driving force of digital businesses. After all, how can a business cope with its competitors without the capital? Secure e-payments are extremely necessary for this. Then how will the e-payments get even more secure?
That is where payment security comes in. Payment security has always been a big and important move for businesses. However, newer concepts of digitalization have affected the definition of the phrase over the years. The main reasons for this change are the sudden outburst of innovations regarding finance. Examples of such innovations include bitcoins and e-wallets.
In fact, the main institutions related to the process of finance, sètadi founisè peman ak bank,,en,gen opinyon trè diferan sou fraz "sekirite nan peman",,en,sekirite peman se aktyèlman yon de sided zafè,,en,kote tou de bank yo ak founisè yo peman gen pou kolabore pou yo nan lòd yo fè sistèm nan plis sekirite epi yo efikas,,en,Sa a pral pèmèt yon pi bon eksperyans kliyan,,en,ki pral nan vire retire dout yo nan sèten kliyan potansyèl konsènan sekirite a nan e-peman,,en,Èske dijital peman chanjman biznis konplètman,,en,Yon nouvo teknoloji se toujou asire w ke ou atire mas yo si li sanble itil ase,,en,metòd peman pa te sibi nenpòt ki chanjman gwo depi yon bon bout tan,,en,se konsa yon nouvo inovasyon nan metòd la nan peman ka siman dwe nan enterè gwo,,en,Men kèk egzanp sou innovations sa yo gwo yo ube ak Netflix,,en, have very different views about the phrase “payment security”. On the other hand, payment security is actually a two sided affair, where both the banks and the payment providers have to cooperate in order to make the system more secure and effective. This will allow a much better customer experience, which will in turn remove the doubts of certain potential customers regarding the security of e-payment.
Can digital payment change business completely?
A new technology is always sure to attract the masses if it seems useful enough. Payment methods have not undergone any big changes since a long time, so a new innovation in the method of payment can surely be of large interest. Examples of such huge innovations are Uber and Netflix, ki konplètman revolusyone ki jan moun anboche taksi oswa gade televizyon respektivman,,en,E-peman se jis tankou sa,,en,li se pwochen bagay an gwo,,en,Apre sa, li merite sa li te vin akòz konvenyans li yo,,en,yon gwo pati nan popilasyon an lè l sèvi avèk e-peman konsiste de moun sa yo ki pa vle oswa ou pa ka ale nan yon kote ki ak Lè sa a ranpli peman an,,en,ki sitou gen ladan sitwayen yo ki gen laj,,en,jenerasyon ki pi piti yo tou trè enterese nan teknoloji sa a kòm li pèmèt yo pou peye pou sèvis ak pwodwi soti nan konfò nan kay yo,,en,transfòmasyon a sanble yo dwe trè vizib kòm bank yo aktyèlman fèmen desann anpil nan branch fizik yo tou dousman,,en,yo tou fè yon gen tan pwan pou espas dijital la nan anpil menm tan an,,en. E-payment is just like that, it is the next big thing. And it deserves what it has become due to its convenience. In fact, a large part of the population using e-payment consists of those people who don’t want to or can’t go to a place and then complete the payment, which mostly includes the aged citizens. The younger generations are also extremely interested in this technology as it allows them to pay for services and products from the comfort of their homes.
The transformation seems to be very visible as banks are actually closing down many of their physical branches slowly. However, they are also making a grab for the digital space at the very same time. Chak bank vle jwenn yon espas kòm konpayi a nan pòtfèy ou,,en,Se konsa, yo ap rapidman modènize tèt yo nan kenbe devan yo nan konpetitè yo,,en,Èske gen reyèlman pa gen okenn pwoblèm nan tout,,en,Chak konsèp nouvo gen dezavantaj li yo,,en,ak sa a gen ladan pwosedi peman dijital,,en,li se kosyan an sekirite nan peman an,,en,Nouvo teknoloji vle di plus posiblite,,en,ak plus fason yo esplwate ki teknoloji,,en,Entru ak ajan move yo en toujou ap nan vitès ak evolisyon nan teknoloji peman yo tronpe ak twonpe moun,,en,teknik Fwòd yo ap vin pi plis ak plis komen,,en,fwod se pa senp frod fizik,,en,Yo gen kounye a vin dijital nan lanati ak yo aktyèlman ki afekte lavi yo nan dè milye,,en,si se pa dè milyon de moun,,en, so they are rapidly modernizing themselves to keep ahead of their competitors.
Are there really no problems at all?
Every new concept has its drawbacks, and this includes digital payment procedures. In this case, it is the security quotient of the payment. New tech means newer possibilities, and newer ways to exploit that tech. Hackers and malicious agents are evolving constantly in pace with the evolution of payment technologies to cheat and deceive people. Fraud techniques are becoming more and more common.
sèjousi, fraud isn’t simple physical frauds. They have now become digital in nature and are actually affecting the lives of thousands, if not millions of people. Entru ka byen fasil manipile entènèt la ak kreye yon lookalike egzak nan yon sit lejitim moun fou pèp la,,en,yon lòt teknoloji te ye tankou "done gwo" ak nwaj informatique ka ede nan eliminasyon an tou pre-konplè sou frod sa yo,,en,Teknoloji sa yo ede nan swiv la efikas nan entru sa yo ki baze sou tras yo nan done ki yo kite pandan y ap rale alantou entènèt la,,en,Ki jan yo ka risk ki genyen nan nan peman dijital dwe Okontre efektivman,,en,konsèp yo nan e-peman pèmèt KONSEPSYON la nan anpil aplikasyon efikas nan teknoloji a,,en,men anpil nan yo yo tire desann paske yo te kosyan an sekirite ki ba nan teknoloji a,,en,sekirite nan senaryo peman dijital se toujou yon gwo obstak ki gen yo dwe simonte,,en,yo nan lòd yo aplike konsèp yo nan e-peman nan potansyèl plennman li yo,,en. However, another technology known as “big data” and cloud computing can help in the near-complete eradication of such frauds. These technologies help in the effective tracking of such hackers based on the traces of data that they leave while crawling around the internet.
How can the risks of digital payment be countered effectively?
The concepts of e-payment allow the conception of many efficient applications of the technology, but many of them are shot down because of the low security quotient of the technology. Se konsa, security in digital payment scenarios is still a major hurdle that has to be overcome, in order to apply the concepts of e-payment at its fullest potential.
Bay sekirite maksimòm nan anviwònman peman dijital se trè difisil kòm ajan move toujou jwenn yon nouvo ak yon fason diferan alantou,,en,li se pa enposib e gen anpil fason yo fè sa,,en,Jan nou te diskite anvan,,en,gwo done se youn nan zouti ki pi bon ki ka itilize pou amelyore sekirite a nan sistèm sa yo dijital,,en,ta kwè yon konpayi vle kreye yon sit ki ta pèmèt kliyan li yo pran yon prè ki sòti dirèkteman nan pòtal la,,en,Portal Sa a yo pral mande pou yon metòd Otantifikasyon trè pwisan,,en,ak yon,,en,pousantaj otantifikasyon,,en,Sa a ki kalite otantifikasyon se prèske enposib ak metòd tradisyonèl,,en,ki pral vle di ki pral pwojè a dwe trete,,en,Ki sa ki ka te fè isit la se ke konpayi an,,en,olye pou yo kreye teknik pou,,en,otorizasyon,,en. However, it is not impossible and there are many ways to do this. As discussed before, big data is one of the best tools that can be used for enhancing the security of such digital systems. For example, suppose a company wants to create a site which would allow its clients to take a loan directly from the portal. This portal will require an extremely powerful authentication method, with a 100% authentication rate. This type of authentication is nearly impossible with traditional methods, which will mean that the project will be scrapped. What could’ve been done here is that the company, instead of creating techniques for 100% authorization, ta dwe mobilize èd nan analytics yo idantifye nenpòt kalite move rezon,,en,done gwo ka jwenn konesans sou modèl yo nan ranje andedan nan baz done menmen li yo ki gen done istorik yo detekte yon modèl ki sanble ak deranje k ap travay nan HACKER la,,en,Nan fason sa,,en,ajan yo move pa yo pral kapab fè je chèch ak kliyan ankò,,en,Digital peman se fè fas a nouvo nan peman,,en,Se pa sèlman li se vit ak efikas,,en,men li kapab tou bay yon anpil nan sekirite pandan transfè nan tèt li,,en,E-peman ak teknoloji ki gen rapò te rapidman pran popilarite nan fwa yo prezan,,en,Pandan ke li toujou pa bay sekirite andomaje,,en,li se ke yo te toujou ap devlope yo nan lòd yo fè l 'andomaje,,en. Big data can gain knowledge about the patterns of hacking through its enormous database containing historic data to detect a similar pattern and disrupt the working of the hacker. In this way, the malicious agents won’t be able to trick customers anymore.
Digital payment is the new face of payment. Not only it is fast and efficient, but it can also give a lot of security during the transfer itself. E-payment and related technology has rapidly gained popularity in the present times. While it still doesn’t give flawless security, it is being constantly developed in order to make it flawless. Se konsa, ka e-peman dwe konsidere sa kòm metòd la peman pi bon jouk dat ak chans plis ka devlope sou sa a devan yo reyalize efikas ak an sekirite peman dijital,,en,Digital peman,,en,Digital Peman,,en,Digital Peman,,en.
