Isimo sokukhwabanisa kwedijithali eSpain siyashintshwa, futhi izinhlelo zokusebenza zemiyalezo yangasese seziyinto ekhathazayo. Okwakugxilwe kakhulu ezinkundleni zokuxhumana ezivulekile manje sekushintshela eziteshini ezibethelwe lapho ukulawula kungaqinile khona futhi kunzima kakhulu ukulandelela abakhwabanisi.
Kulesi simo esisha, iTelegram isibe yipulatifomu enenqwaba ephezulu kakhulu yokukhwabanisa nge-inthanethi eSpain . Idatha ehlanganiswe yiRevolut eMbikweni wayo wakamuva Wokuphepha Kwabathengi kanye Nobugebengu Bezezimali ikhombisa ukuthi uhlelo lokusebenza lokuthumela imiyalezo manje seluwumthombo oyinhloko wokukhwabanisa okubikwe ngabasebenzisi baseSpain, futhi lungumdlali omkhulu ekwandeni kokukhwabanisa nge-inthanethi eYurophu.
I-Telegram, inethiwekhi lapho ukukhwabanisa kukhula khona kakhulu
Ngokusho kokuhlaziywa kukaRevolut, izehlakalo zokukhwabanisa ezivela kuTelegram zikhuphuke ngo-233% emhlabeni jikelele kusukela ngo-2024 , okwenza kube uhlelo lokusebenza lapho ukukhwabanisa kuye kwanda khona kakhulu ngonyaka odlule. Lokhu akusikho nje ukwenyuka okuphawulekayo kwamaphesenti: isabelo sepulatifomu senani selilonke sesivele sibaluleke kakhulu.
Uma sikhuluma kabanzi, iTelegram ihlanganisa cishe ingxenye eyodwa kwezinhlanu (21%) yazo zonke izinkohliso ezibikwe kuRevolut emhlabeni wonke. Ngamanye amazwi, ukukhwabanisa okukodwa kwezinhlanu okubikwe enkampanini kuvela kule nkundla, ehlanganisa izingxoxo zangasese, iziteshi zomphakathi nezinkulungwane zamalungu , kanye nezinga eliphezulu lokungaziwa kwabasebenzisi bayo.
Abalobi balo mbiko bakhomba ushintsho olubonakalayo endleleni abakhwabanisi abasebenza ngayo . Esikhundleni sokugxila ezinkundleni zokuxhumana zomphakathi, bakhetha kakhulu "ukuphephela" ezindaweni ezifihliwe, lapho bangahambisa khona imikhankaso yabo ngokushesha futhi ngaphandle kokuvezwa kakhulu. Lokhu kushintshela emilayezweni yangasese kwenza kokubili ukutholwa kusenesikhathi kanye nempendulo ehlelekile evela kuziphathimandla kanye namapulatifomu ngokwawo kube nzima kakhulu.
URevolut ugcizelela ukuthi imvelo yeTelegram eyimfihlo neyimfihlo , ehlonishwa kakhulu yilabo abafuna ukuvikela izingxoxo zabo, nayo iyasetshenziswa njengethuluzi lokufihla amacebo okukhwabanisa ayinkimbinkimbi. Umbiko uchaza uhlelo lokusebenza "njengolusebenza kahle kakhulu" ekuhleleni ukukhwabanisa okuyinkimbinkimbi okuhlanganisa ubunjiniyela bezenhlalo, izikhangiso ezingamanga, kanye nokucindezela kwengqondo kwabahlukunyezwayo.
ISpain: I-Telegram ihamba phambili ekukhwabaniseni nge-inthanethi, kanti ukuthenga ku-inthanethi yisisulu.
Uma sigxila eSpain , umthelela uba sobala nakakhulu. Umbiko ukhomba iTelegram njengenethiwekhi yokuxhumana nabantu enenqwaba ephezulu kakhulu yokukhwabanisa ezweni ngo-2025, okubalwa kuyo ama-22% amacala abikwe kuRevolut ngabasebenzisi baseSpain. Ngamanye amazwi, ukukhwabanisa kwe-inthanethi okungaphezu koyedwa kwabahlanu okubikwe eSpain kwaqala kulolu hlelo lokusebenza.
Isikhungo sezezimali sixwayisa ngokuthi izigebengu zisebenzisa indawo yangasese nefihliwe yohlelo lokusebenza ukuze zandise imisebenzi yazo yokukhwabanisa "ngokushesha kakhulu." Imikhuba eminingi eyayisenziwa ngaphambilini ngezikhangiso noma imiyalezo ezinkundleni zokuxhumana zomphakathi isishintshele eziteshini zeTelegram nasezingxoxweni, lapho ukuxhumana nesisulu kuqondile khona futhi ukuqapha kuncane kakhulu.
Ngokwezinhlobo, ukukhwabanisa okuhlobene nokuthenga ku-inthanethi yikona okuvame kakhulu eSpain . Ngo-2025, babalwa ku-53% wabo bonke ukukhwabanisa okubhaliswe yiRevolut ezweni, okungaphezu kwengxenye yesamba. Ngokuvamile bathembela ezipeshelini okuthiwa azinakuvinjelwa, izitolo eziku-inthanethi ezilingisa amabhizinisi asunguliwe, noma imikhiqizo efunwa kakhulu ngamanani aphansi kakhulu ukuba abe ngokoqobo.
Lolu hlobo lokukhwabanisa luthembele kumawebhusayithi mbumbulu, amasango okukhokha akhohlisayo, kanye nemikhankaso eyimfihlo yezinkundla zokuxhumana . Umsebenzisi ukholelwa ukuthi usewebhusayithi esemthethweni, ufaka ulwazi lwakhe, bese ekhokha; noma kunjalo, lapho ezama ukufaka isicelo se-oda, uthola ukuthi iwebhusayithi inyamalele, inkampani ayikaze ibe khona, noma ayikho indlela yokuxhumana nanoma ubani.
Ukuxhumana phakathi kwamanethiwekhi omphakathi kanye nemiyalezo yangasese kwenza kube lula ukujikeleza: ukukhwabanisa kungaqala ngokukhangisa okungabazekayo kumapulatifomu afana ne-Facebook, i-Instagram noma i-TikTok bese kuphelela engxoxweni ye-Telegram evaliwe, njengoba kwenzeka ezimweni zokuthenga izindlu nge-Telegram , lapho ukukhwabanisa kuqedela khona umsebenzi futhi kuqinisekise umsebenzisi ukuthi aqedele inkokhelo ngaphandle kweziqinisekiso eziningi kakhulu.
Iminikelo yemisebenzi engamanga: I-Telegram ibangela amacala angaphezu kwengxenye emhlabeni jikelele
Ngaphandle kokuthenga ngokukhwabanisa, ucwaningo lwe-Revolut lukhomba into ekhathazayo kakhulu: ukwanda kokukhwabanisa okuhlobene nokunikezwa kwemisebenzi . Emhlabeni jikelele, lolu hlobo lokukhwabanisa luphindwe kathathu uma kuqhathaniswa nonyaka odlule, manje lubalelwa ku-22% wawo wonke amacala okukhwabanisa atholakale ngo-2025.
Kule ndawo, iTelegram idlala indima ebalulekile . Ngokusho kombiko, ama-58% emisebenzi ekhohlisayo emhlabeni wonke aqala kule nkundla. Empeleni, ngaphezu kwengxenye yemisebenzi ekhohlisayo etholakele iqala ezingxoxweni noma eziteshini zeTelegram, ezifihliwe njengamathuba amahle, aguquguqukayo, nakhokhelwa kakhulu.
Indlela yokusebenza ivame ukulandela iphethini ephindaphindayo: imisebenzi elula, imali engenayo ephezulu, noma amathuba okusebenza ekhaya adinga ulwazi oluncane noma olungenalo nhlobo ayanikezwa. Uma isisulu sibonisa isithakazelo, abakhohlisi bacela izinkokhelo kusengaphambili zezinto ezicatshangelwayo, izifundo zokuqeqesha, izimali zokuphatha, noma ukuqinisekiswa okukhethekile. Ngemva kokuba imali idluliselwe, inqubo iyamiswa, futhi "inkampani" iyanyamalala.
Lolu hlobo lokukhwabanisa luchuma ngokungazethembi emsebenzini kanye nesidingo semali engenayo eyengeziwe , kusizakale ngezikhathi ezinzima zomnotho. Ukuxhumana okuqondile ngemiyalezo ebethelwe kuqinisa umuzwa wokusondelana kanye nensizakalo yomuntu siqu, okungaholela abantu abaningi ukuba banciphise ukuqapha kwabo futhi bamukele izimo ezingase ziphakamise ukusola, uma zihlolwa ngokucophelela.
URevolut uveza ukuthi ukwanda kwalezi zipesheli mbumbulu kubonisa izinga abakhwabanisi abavumelanisa ngalo inkulumo yabo nezinkinga zamanje , besebenzisa ulimi lokuhweba, ukusebenza kude, noma "imali engenayo engenamsebenzi" ukuze bathole ukwethenjwa yizisulu ezingaba khona eSpain nakwamanye amazwe aseYurophu.
I-Meta isalokhu ihola phambili ngobuningi obuphelele, futhi iTikTok iyashesha.
Ukwanda kweTelegram emkhakheni wokukhwabanisa nge-inthanethi akusho ukuthi inkinga isinciphile kwamanye amapulatifomu. Umbiko ukhombisa ukuthi i -Meta ecosystem isalokhu ingumthombo oyinhloko wokukhwabanisa emhlabeni jikelele , okuhlanganisa amanethiwekhi nezinsizakalo ezifana ne-Facebook, i-Instagram, i-WhatsApp, kanye ne-Threads.
Ngo-2025, ama-meta-platforms abalelwa ku-44% wazo zonke izinkohliso ezibikwe ku-Revolut emhlabeni wonke, egcina isikhundla sawo njengomthombo oyinhloko walezi zenzo zokukhwabanisa unyaka wesine ulandelana. Naphezu kokutshalwa kwezimali ekulinganiseni, ekuhlungeni izikhangiso, namathuluzi okubika, inani eliphelele lokukhwabanisa lisalokhu liphezulu kakhulu.
Ngaphakathi kweqembu, i-Facebook iyaqhubeka nokuba yinethiwekhi enamacala atholakale kakhulu , ikakhulukazi maqondana nokuthengiswa kontanga, amakhasi aqoshwe ngendlela efanayo azenza amabhizinisi, kanye nokukhushulwa okungelona iqiniso. Noma kunjalo, lo mkhuba ukhomba ekushintsheni kancane kancane kuya ezinsizeni zemiyalezo yangasese—kufaka phakathi i-WhatsApp ne-Telegram—lapho ukuxhumana kungabonakali khona futhi, ngenxa yalokho, kunzima kakhulu ukukuqapha.
Lo mbiko uphinde udonsele ukunaka ekuguqukeni kweTikTok . Nakuba isabelo sayo esiphelele sokukhwabanisa sisaphansi kuneseMeta noma iTelegram, iphesenti lokukhwabanisa okuvela kuhlelo lokusebenza likhuphuke ngokuphindwe kasithupha ngonyaka owodwa nje . Lokhu kukhula okusheshayo kusikisela ukuthi ipulatifomu yamavidiyo amafushane iba yindawo evundile yemikhankaso yokukhwabanisa eqondiwe, ikakhulukazi leyo eqondiswe kubabukeli abasebasha.
Sekukonke, inhlanganisela ye- Meta ehamba phambili ngezibalo eziphelele, i-Telegram njengokugxila okukhulu okuvelayo, kanye ne-TikTok ene-rebound esheshayo idweba isithombe lapho cishe kungekho nethiwekhi yokuxhumana nabantu noma uhlelo lokusebenza lwemiyalezo olungathinteki kule nkinga, hhayi eSpain noma kulo lonke elaseYurophu.
Ukukhangisa okukhohlisayo kanye nezigidi zemali engenayo eYurophu
Ingxenye ebalulekile yalesi simo ilele ekukhangiseni okukhohlisayo okusakazwa ezinkundleni zokuxhumana kanye nasezinkundleni zedijithali , okuyingozi yangempela ekusaseni lezentengiselwano ze-e . Umbiko we-Revolut, osekelwe kudatha evela ku-Juniper Research, ulinganisela ukuthi izinkampani ezingumzali zamapulatifomu amakhulu zithole imali engaba ngu-€4.400 billion eYurophu ngo-2025 ngenxa yezikhangiso zokukhwabanisa eziqondise abasebenzisi kuleli zwekazi.
Lezi zibalo zibonisa ubukhulu benkinga kanye nezisusa zomnotho ezisekhona ukuze okuqukethwe okuthile kudlule ezihlungini. Nakuba imikhankaso eminingi yokukhangisa isemthethweni, ingxenye enkulu ikhuthaza ukutshalwa kwezimali okungekho, izitolo ezithengisa izinto ezingelona iqiniso, izinsizakalo zezimali ezisemthethweni ezingabazekayo, noma ama-sweepstake angakaze enzeke.
Ubuchwepheshe bale mikhankaso bukhulile. Sekuyinto evamile kakhulu kubo ukulingisa isithombe semikhiqizo eyaziwayo, izikhungo zezimali, noma izinhlangano zomphakathi , besebenzisa ubunikazi obubonakalayo obuhle kakhulu kanye nemiyalezo eklanywe ngosizo lwamathuluzi obuhlakani bokwenziwa. Kumsebenzisi ojwayelekile, ukuhlukanisa ukukhushulwa okungamanga nokungokoqobo ngokushesha kuya kuba nzima kakhulu.
Uhambo lwalezi zikhangiso luvame ukulandela indlela ecacile: ziqala njengabadali bokukhangisa ababonakala bejwayelekile , ziboniswa kokuphakelayo kwezokuxhumana noma kumawebhusayithi ezinkampani zangaphandle, futhi, lapho umsebenzisi echofoza, ziqondiswa kabusha kumafomu noma amakhasi alungiselelwe ukuthwebula idatha yomuntu siqu, iziqinisekiso zasebhange noma izinkokhelo eziqondile.
Lesi simo, kanye nokushintsha okwandayo kokukhwabanisa ezindaweni ezifihliwe njengeTelegram , kuqinisa isidingo—ngokusho kombiko—sezinkampani ezinkulu zobuchwepheshe ukuthi zithathe indima ekhuthele ekutholeni nasekuhlungeni okuqukethwe okuyinkinga. Abalobi bagcizelela ukuthi isivikelo asinakuwela kumsebenzisi wokugcina kuphela noma ezikhungweni zezimali ezithwala izindleko uma ukukhwabanisa sekuqediwe.
Ingcindezi yokulawula e-EU kanye nempendulo yomkhakha wezezimali
Njengoba ibhekene nokwanda okuqhubekayo kokukhwabanisa ku-inthanethi, i -European Union iqinisa uhlaka lwayo lokulawula ukuze izame ukunciphisa lo mkhuba. Phakathi kwezinhlelo ezibaluleke kakhulu kukhona uMthethonqubo Wezinsizakalo Zokukhokha (i-PSR) ozayo kanye nesu elithile lokulwa nokukhwabanisa kwedijithali elihlose ukufaka izibopho eziqinile emabhange, abahlinzeki bokukhokha, kanye namapulatifomu amakhulu obuchwepheshe.
Endabeni yaseSpain, umbiko uhlola kahle izinyathelo uhulumeni azisebenzisile ukulwa nokukhwabanisa kwedijithali . Lezi zinhlelo zihlose ukuthuthukisa ukubambisana phakathi kwezikhungo zezimali, abaqhubi bezokuxhumana, kanye nezinkundla zokuxhumana, ngezinhloso ezinjengokuqinisa izinhlelo zokuphatha, ukwenza lula ukushintshana kolwazi, kanye nokucacisa imithwalo yemfanelo lapho kwenzeka ukukhwabanisa kwe-inthanethi.
Umkhakha wezezimali nawo ulungisa izinqubo zawo. I-Revolut ithi inikela cishe ingxenye yesithathu yabasebenzi bayo bomhlaba wonke ekuvimbeleni ubugebengu bezezimali nasekulweni nokukhwabanisa . Phakathi kwamathuluzi asanda kusungulwa kukhona i-chatbot yokuthola ukukhwabanisa esebenzisa i-AI, eyaziwa ngokuthi i-Scam Buster, ehlaziya umongo wokuthengiselana kwamakhasimende futhi ikhiphe izexwayiso ezenziwe ngezifiso uma ithola ukuziphatha okusolisayo.
Ngaphezu kwalokho, inhlangano ifake izici ezifana ne -Street Mode , evumela abasebenzisi ukuthi balungiselele izindawo ezibhekwa njengezithembekile zokuthengiselana, kanye nezinhlelo zokuqinisekisa izingcingo ngqo ngaphakathi kohlelo lokusebenza , ezenzelwe ukusiza umsebenzisi ukuthi ahlole ukuthi umuntu oxhumana nabo empeleni uyisisebenzi esigunyaziwe noma umkhohlisi ozama ukuthola idatha ebucayi.
Le nkampani iphinde yakhuthaza imicimbi efana ne- Revolut FinCrime Summit , ehlanganise abalawuli, ochwepheshe, kanye nabamele imboni ukuze babelane ngemikhuba emihle yokulwa nobugebengu bezezimali. Inhloko yayo yobugebengu bezezimali, uWoody Malouf, ufingqa isimo ngokukhomba ukuthi isivinini lapho ukukhwabanisa ku-Telegram kusakazeka khona sibonisa ukuthi uhlelo lobugebengu lushintsha ngokushesha kangakanani, futhi ucela izinkampani zezokuxhumana kanye nezokuxhumana ukuthi zizibophezele ngokuqinile ekuvikeleni abasebenzisi.
Lesi simo sidinga abasebenzisi ukuthi bathathe izinyathelo zokuphepha ezengeziwe.
Isethi yedatha ekhomba iTelegram njengeplatifomu enezigebengu ze-cyber ezikhula ngokushesha , ubuholi obuqhubekayo be-Meta ngobuningi obuphelele, kanye nokuvuka okunamandla kwe-TikTok kudweba isithombe lapho kungekho uhlelo lokusebenza olukhulu olungavikelekile khona engozini. Ukushintshela ezingxoxweni ezibethelwe, ukwanda kwezipesheli zemisebenzi yokukhwabanisa, kanye nokusabalala kokukhangisa okukhohlisayo kudala indawo edinga abalawuli, amabhizinisi, kanye nezakhamuzi ngokufanayo.
EYurophu, ikakhulukazi eSpain, inhlanganisela yokuthenga okukhohlisayo ku-inthanethi, ukukhwabanisa kwemisebenzi, kanye nemikhankaso yokukhangisa ekhohlisiwe yenza ukuqapha kudingeke kakhulu kunanini ngaphambili. Ukuqinisekisa ngobumnene ukuthi ungubani noma ubani oxhumana nawe, ukuqaphela amadili abonakala emuhle kakhulu ukuba abe yiqiniso, ukuhlola ngokucophelela amakheli ewebhusayithi, ukugwema ukukhokha kusengaphambili ezimweni ezingabazisayo, nokuqinisa ukuphepha kwamadivayisi akho nama-akhawunti kuyizinyathelo eziyisisekelo ezingenza umehluko omkhulu.
Konke kusikisela ukuthi ukukhwabanisa kwedijithali kuzoqhubeka nokukhula ngesivinini esifanayo namathuluzi aku-inthanethi, nokuthi izigebengu ze-inthanethi zizoqhubeka nokusebenzisa iziteshi ezifana neTelegram ukuze zifinyelele izisulu ezintsha. Kulesi simo, ukuhlanganiswa kwemithetho eqinile, ukubandakanyeka okukhulu okuvela kumapulatifomu, kanye nemikhuba yokuqapha kakhudlwana ngabasebenzisi kuzoba yisihluthulelo sokunciphisa umthelela wokukhwabanisa kwe-inthanethi, osekubhekwa njengenye yezingozi ezinkulu zedijithali eSpain.
