I-Visa (NYSE: V), inkokheli yehlabathi kwiintlawulo zedijithali, ibhengeze izixhobo ezithandathu ezintsha zokusombulula iingxabano ezenzelwe ukunciphisa ilahleko yezigidigidi zeerandi minyaka le ngenxa yeenkqubo ezingasebenzi kakuhle neziphelelwe lixesha. Ipotifoliyo eyandisiweyo yeenkonzo zokusombulula iingxabano ijolise ekuncedeni abathengisi kunye namaziko emali ukunciphisa iindleko zolawulo, ukunciphisa ilahleko ezivela kubuqhetseba, kunye nokusasaza ezo zixhobo ukuze zikhule, zivelise izinto ezintsha, kwaye ziphucule amava abathengi.
Iingxabano zisaqhubeka nokuba zezona zinto zibangela ingxabano kurhwebo, nto leyo enyusa iindleko kubathengisi nakwiinkampani zemali, kwaye ibangela ukukhungatheka nokungaqiniseki phakathi kwabathengi. Ngo-2025, iVisa yasingatha iingxabano ezizizigidi ezili-106 kwihlabathi liphela, inani eliyirekhodi elimele ukunyuka kwama-35% ukusukela ngo-2019.
“Ulawulo lweengxabano luyatshintsha ukusuka kumsebenzi wolawulo ukuya kwinto ephambili, eqhutywa kukwanda kwenani labathengi, imithetho engqongqo, kunye noxinzelelo lokugcina amava abathengi,” utshilo uSam Abadir, umlawuli wophando, umngcipheko, ukuthobela imithetho, kunye nolwaphulo-mthetho lwezemali kwi-IDC Financial Insights. “Amaziko aqhubeka nokulawula iingxabano ngeenkqubo eziqhekekileyo neziqhutywa ngesandla angaphambili kwingeniso engenakufunyanwa kwaye athabatha iindleko ezinokususwa ziindlela zokusebenza zanamhlanje.”
Umzekelo, kubomi bemihla ngemihla, isenzo esibonakala silula sinokukhawuleza sinyuke. Abanye abathengi banokuphikisana nentlawulo kuba bengayazi igama lenkampani, bengazi ukuba ligama elisemthethweni lesebe apho bathenge khona. Abanye banokuphikisana neendleko ezinxulumene nobhaliso olunzima ukurhoxiswa. Emva kwetyala ngalinye, kukho iinkqubo ezitya ixesha nemali kwiibhanki nakwiindawo zorhwebo. Namhlanje, nangona kunjalo, kunokwenzeka ukunciphisa le mizamo ngokusebenzisa izixhobo zanamhlanje ezenza lula kwaye zenze iinkqubo ngokuzenzekelayo, zikhawulezise iimpendulo kwaye zongeze ukucaca kubo bonke ababandakanyekayo.
Izixhobo ezintsha neziphuculiweyo zokusombulula iingxabano kwiindawo zorhwebo.
- Ukusombulula iingxabano ngendlela efanelekileyo: Inethiwekhi yokusombulula iingxabano Iphucula inkqubo yolawulo lwangaphambi kwengxabano ukuze amashishini akwazi ukuthintela ityala ukuba lingaqhubeki libe yingxabano, ikhawulezise ukusonjululwa kwaye inciphise umthwalo wokusebenza. Olu vavanyo sele lukhona, kwaye ukuphunyezwa ngokupheleleyo kucwangciselwe ukuphela kuka-2026.
- Ukubuyiswa kwengeniso okuqhutywa yi-AI: Umphathi Wokubuyisela Iingxabano Izenzekela iimpendulo zabathengisi kwizicelo zokubuyisela imali, ilawula iingxabano ngeempendulo ezisekelwe kwi-generative artificial intelligence (GenAI) kwaye inika amanqaku aqikelelweyo okuba nempumelelo iphumelele ukuze kuphuculwe ukubuyiselwa kwemali. Olu vavanyo luza kwandiswa kude kube sekupheleni kuka-2026.
- Ukuthintela iingxabano ngendlela ecwangcisiweyo: I-Oda yoLwazi Inceda ukuthintela iingxabano ezingeyomfuneko ngokubonisa iinkcukacha zentengiselwano kunye nokucacisa amathandabuzo malunga neentlawulo ezisemthethweni. Ngohlaziyo luka-Epreli 2026, abathengisi baya kukwazi ukusebenzisa isisombululo se-Compelling Evidence 3.0 ngaphakathi... I-Oda yoLwazi ukwabelana ngobungqina neebhanki malunga neentengiselwano ezikrokrisayo, ukucoca amatyala anamathuba amancinci okuqhubela phambili kule nkqubo.
Izixhobo ezintsha neziphuculiweyo zokusombulula iingxabano zabaniki kunye nabafumanayo.
- Iiarhente ezinika amandla: Ubukrelekrele beNgxabano Iqhutywa ziimodeli ze-AI eziqikelelayo kwaye inceda ekuhlalutyeni ityala ngalinye ngombono opheleleyo wenethiwekhi. Iiarhente zisebenzisa idatha yentengiselwano yehlabathi kunye neengxabano ezivela kwiVisa ukwenza izigqibo ezinolwazi oluthe kratya. Ngoku iyafumaneka ngokubanzi.
- Uhlolo olulungiselelweyo: Isihlalutyi seDokhumenti yeNgxabano Isebenzisa i-AI ukuphelisa uphononongo lwamaxwebhu ngesandla kwiimpendulo zangaphambi kolamlo ezivela kubahlalutyi abakhuphayo. Esi sixhobo sihlalutya izincamathiselo kwaye sishwankathela kwaye sakhe idatha ephambili, sinceda ukunciphisa imisebenzi yesandla ethatha ixesha kwaye sonyuse ukusebenza kakuhle kokwenza izigqibo. Sele ifumaneka ngokubanzi. Kwabathengayo, i-Doc Analyzer ivumela iphepha lemibuzo lempendulo yengxabano ukuba lizaliswe ngemizuzwana egameni labathengisi babo. Esi sixhobo siya kufumaneka kubathengayo ekupheleni kuka-Epreli.
- Iqonga leengxabano eliqhutywa yi-AI: Umphathi weTyala leeNgxabano zeVisa Ibandakanya imisebenzi ye-AI ukudibanisa imisebenzi kwiqonga eliphakathi elilawula iingxabano kwiinethiwekhi ezininzi zamakhadi, ukusuka kwirisithi ukuya kwisisombululo. Ukufumaneka ngokubanzi eMntla Melika ngo-2026.
“Iingxabano zenza uxinzelelo kuyo yonke indawo yenkqubo yokuhlawula, zibangela ukudinwa kwabathengi kwaye zinyusa iindleko kunye nobunzima kubathengisi kunye namaziko emali,” utshilo uLeonardo Collado, iNtloko yeeNkonzo eziNyusiweyo kwiVisa Latin America kunye neCaribbean. “Xa ubuchwepheshe obuphelelwe lixesha bungakwazi ukuhambelana nesantya sobuqhetseba, abubonakali. Ipotifoliyo yethu eyandisiweyo yeenkonzo zengxabano inika abasebenzisi umbono abawudingayo ukuze bagxile kwizinto ezibaluleke kakhulu: ukukhonza abathengi, ukuqalisa iimveliso ezintsha, kunye nokwandisa ishishini labo.”
