I-Bitcoin kunye noLawulo loMngcipheko

Ukujonga ikamva kukuvumela ukuba ubone kancinci kwixesha elizayo ngokubukela iziqwenga ezikhoyo ngoku.
Roger Spitz

Zicinge usekunyaka ka-1995, usebenza emsebenzini owawunawo ngelo xesha (okanye abazali bakho) kodwa unolwazi onalo ngoku. Xa ujonga emva, loluphi uhlobo lomngcipheko owawujongene nawo emsebenzini wakho, kwishishini lakho, okanye kwimarike yakho ngenxa yokunyuka okuzayo kwe-intanethi? Ngaba kwakukho imingcipheko ekufuneka ithintelwe kwakunye namathuba ekufuneka athatyathwe? Okanye cinga ukuba usebenze kwaBlockbuster. Ukuba wawusazi ngelo xesha oko usaziyo ngoku, kwaye wawuyisikhulu esiphezulu kwinkampani kawonke-wonke, ubuya kube ungazifezekisi izibophelelo zakho njengomgcini wemali yabatyali-zimali ukuba awuzange uzame ukongeza umngcipheko wokunyuka kwe-intanethi kwiRisk Register yenkampani yakho.

I-intanethi yayiyingozi entsha ngo-1995, njengoko kunjalo neBitcoin namhlanje. Ngo-1995, i-intanethi yayisaziwa kakhulu kwiincoko; yayingelilo ifihlo lobuchwepheshe. Nangona kunjalo, yayiqondwa kancinci okanye isetyenziswa zizoshishino, kwaye bambalwa, ngaphandle kwezo ziqalayo kwi-intanethi, ababenomdla wokuyifunda okanye bayilandele njengomngcipheko.

Njenge-intanethi ngo-1995, iBitcoin iyaziwa kakhulu, kodwa ayiqondwa kakuhle okanye isetyenziswa zizoshishino, ngaphandle kwezo zisebenza kakhulu kwiBitcoin economy. Ngo-1995, i-intanethi yayisele iphuhliswe ukusuka kwimvelaphi yayo kwiminyaka yoo-1960s ngokudityaniswa kwemigangatho emitsha de yafikelela kwinqanaba lokusetyenziswa elakhokelela ekukhuleni kwayo okukhulu.

I-Bitcoin iphuhlile ngendlela efanayo ukusukela oko yaqalwa ngo-2009, iphucula kancinci indlela yokusetyenziswa kwaye ithomalalisa ubunzima. Njengoko kunjalo ne-intanethi, inani labasebenzisi beBitcoin likhule kancinci (https://bitcoinmagazine.com/markets/an-objective-look-at-bitcoin-adoption) ngexesha ezi ziphuculo zobuchwepheshe zenzeka. Njenge-intanethi, asazi ukuba loluphi uphuculo oluzakuba yinqaku eliqhuba ukwamkelwa okukhulu de kube sekugqibeleni, kodwa sele sinedatha ukusukela ngo-2022 ebonisa "iziqwenga ezikhoyo ngoku" (Roger Spitz).

Ulungiselelo lwesicwangciso asilotyalo-mali lwengcinga yesicwangciso. Enyanisweni, ulungiselelo lwesicwangciso luhlala lonakalisa ingcinga yesicwangciso, lwenza abaphathi badide umbono wokwenene nokudlala ngenani.Henry Mintzberg

Abantu abona balungileyo ekuchongeni imingcipheko ngabo abanolwazi olunzulu ngombutho wabo kunye neenjongo zawo ezichaziweyo, iimveliso, iimarike, imijelo kunye nesicwangciso sangoku. Aba bantu kufuneka babe bafundile ngeBitcoin, baqonde kakuhle ukuba kutheni ikhona, yeyiphi ingxaki ezama ukuyisombulula, kwaye kutheni ifumene ixabiso.

Ngoko ke, inyathelo lokuqala kukuphuhlisa abantu abanobuchule obufunekayo ukuba abakho sele bekhona. Le thala leencwadi leMPB leemodyuli zemibutho, kunye nale modyuli ngokukodwa, zenziwe ngokukodwa ukunceda ukuhlangabezana nalo mfuno yoqeqesho nophuhliso.

Xa izakhono sele zikhona, inyathelo elilandelayo kukuqwalasela indlela engcono yokuchonga imingcipheko xa inxulumene notshintsho olunokutshintsha ngokupheleleyo. Umngcipheko ophumayo 'ngumngcipheko ophuhlayo kwiindawo kunye neendlela apho ulwazi olukhoyo lusezantsi'.

Umphathi womngcipheko olungileyo kufuneka agxile kwiziphumo apho isiphumo siphezulu, nokuba amathuba okuba yenzeke aphantsi (kucingwa njalo). Ke, endaweni yokuqala ngoku, qala ngokucinga ngexesha elizayo apho iBitcoin sele ibe yindawo yokugcina ixabiso yehlabathi, indlela yokutshintshiselana kunye nokuba mhlawumbi ibe yinye yemilinganiselo yemali. Kulo meko, qwalasela imibuzo enje:

• Ngaba urhwebo kwimarike yakho yasekhaya luhluke njani kurhwebo lwehlabathi ngoku? Yintoni etshintshileyo?
• Ngaba imeko yezopolitiko yehlabathi itshintshile njani?
• Zeziphi iimarike/iimveliso ezonyuke amaxabiso? Zeziphi ezithotywe?
• Zeziphi iiorganizations ezenze kakuhle? Zeziphi ezenze kakubi?
• Zeziphi amazwe aphumelele ngakumbi? Zeziphi aphulukene namandla?
• Ngaba ulwahlulo lobutyebi phakathi kwabantu lutshintshile? Njani?
• Indima yeziko lezemali itshintshile njani? Kwaye urhulumente?

Emva koko zama ukubuyela umva ukusuka kwelo xesha lokugqibela ucinge ngendlela utshintsho olusuka ngoku ukuya kwelo xesha lwenzeka ngayo. Qwalasela imixholo enje:

• Ulandelelwano lweziganeko
• Ukugudeka okanye ukungazinzanga/ukuguquguquka kotshintsho oluphakathi
• Indima karhulumente, imarike, umbutho, kunye nomntu ngamnye ekubangeleni utshintsho
• Iidatha eziphumayo eziza kubonakala emva kwexesha njengemikhondo yohambo

Ekugqibeleni, guqulela izimvo ezivela kulo msebenzi ungentla zibe yimingcipheko efanelekileyo kumbutho wakho. Qwalasela izinto zesibini nezithathu ezichaphazelekayo. Kusenokwenzeka ukuba isichazi ngasinye sinemingeni emininzi. Imingcipheko inokuba zizoyikiso okanye amathuba.

Impembelelo ye-Intanethi kuqoqosho ayizange ibe nkulu kunaleyo yomshini wefax…. kwiminyaka elishumi ezayo, igama elithi “uqoqosho lolwazi” liza kuvakala lihlekisa.
Paul Krugman

Emva kwesi sicatshulwa singasentla, kwiminyaka elishumi kamva ii-smartphone zazisanda kuvela, kwaye impembelelo yazo ekuphuhliseni iinkonzo ezintsha ze-intanethi kunye nee-apps yayingalindelekanga nangowe-2007. Ubungqina bubonisa ukuba iingcali zangoku azisoloko ziba zezona zingcali xa kujongwa emva kwexesha kutshintsho olukhulu; kudla ngokuphuma udidi olutsha lweengcali. Isicatshulwa esilandelayo sichaza ukuba kutheni 'iingcali' ngaphakathi kwindlela yakudala zingakwazi ukubona utshintsho olukhulu – kuba lusenzeka ngaphandle kolawulo lwazo.

Awusoze watshintsha izinto ngokulwa inyani ekhoyo. Ukuba ufuna ukutshintsha into, yakha imodeli entsha ethi yenze imodeli ekhoyo ingasasebenzi.
R. Buckminster Fuller

Isifundo – ukuqikelela phambili kunokuba buthathaka kakhulu xa kuhlalutyiwa impembelelo yetekhnoloji enokutshintsha izinto ngokupheleleyo. Endaweni yoko, sicebisa ukuba uzame ukwenza iimeko-bume zendlela eza kuba ngayo ihlabathi xa iBitcoin iba yimali yehlabathi, uze emva koko uzame ukujonga ukuba singafika njani apho ukusuka namhlanje. Le yindlela esiyichazileyo xa sisenza uluhlu lweengozi kwi-1.1.

Ukuze uchonge impembelelo, thatha iingozi ezichongiweyo nganye nganye uze uzijonge ngaphakathi nangaphandle kwenkampani yakho. Ukwenzeka kwengozi kunokudala umngcipheko, ithuba okanye zombini, kwaye kunokwahluka kwiinkampani ezahlukeneyo. Le yingcamango ephambili kuba umngcipheko kwinkampani yakho unokuba lithuba kwinkampani ekhuphisana nawe okanye kwishishini elitsha.

Qaphela ukuba ukwenzeka kwengozi kunokudala iimpembelelo ezininzi kwinkampani.

Imizekelo

Umngcipheko wokuba iBitcoin iba yeyona mali iphambili, igcinwe kwiindawo zokugcina imali zehlabathi

• Iinkampani ezibona oku kwangethuba ziya kuxhamla, kwaye ezo zilibazisekayo zinokubandezeleka (Ithuba / Umngcipheko ?)

Umngcipheko wokuba inethiwekhi yeBitcoin iba linqanaba lokuhlala kweentengiselwano zorhwebo lwe-intanethi

• Uyilo lwemveliso kunye nendlela yokuhanjiswa zingatshintsha njani xa kukho iintlawulo ezincinci? (Amathuba okuhlawula ngokusasaza / Imingcipheko kwiimodeli zokubhalisa)
• Iinkampani ezisebenza kakhulu kwimarike yeenkqubo zokuhlawula zakudala zinokufuna ukutshintsha (Umngcipheko)

Umngcipheko wokuba ixabiso letyala linokunyuka kakhulu kwixesha elizayo

• Impembelelo kwimfuno yemveliso xa kukho utshintsho lwexesha elide ekufumanekeni / kwixabiso letyala (Umngcipheko?)
• Impembelelo kwisakhiwo sebhilansi yenkampani (Ithuba / Umngcipheko?)

Umngcipheko wokuba ubume babantu abanemali kunye nengeniso bungatshintsha

• Impembelelo kwintengiso yeendlela zokuthengisa xa kukho utshintsho lwexesha elide kwindlela yokwabiwa kwemali / ingeniso (Ithuba / Umngcipheko?)
• Impembelelo kwindibaniselwano yotyalo-mali lwabatyalizimali (Ithuba / Umngcipheko?)

Umngcipheko wokuba wonke umntu eMhlabeni asebenzise imali enye

• Impembelelo yokusebenza xa kubalwa kwiimali ezintsha (Ithuba)
• Impembelelo yokusebenza kwindlela yokulawula imali xa kukho imali enye kuphela (Ithuba)
• Impembelelo yokusebenza kwiindleko zokuhlawula ngaphakathi nelizwe nakwamanye amazwe xa kusetyenziswa imali enye (Ithuba)
• Impembelelo kwintengiso xa amaxabiso esiba lula ukuwathathela umgangatho ngokweendawo ezahlukeneyo (Ithuba / Umngcipheko?)

Ukusebenzisa itheyibhile efana nomzekelo ongezantsi kunokunceda ukuvavanya ifuthe elinokubakho kumbutho xa umngcipheko uphumelele.

Izinto ezimbini ekufuneka ziqwalaselwe ngamathuba okuba umngcipheko wenzeke kunye nobukhulu befuthe kumbutho. Zombini ezi zinto zixhomekeke kwixesha elithile eliqwalaselwayo, ngoko kufanelekile ukwenza itheyibhile kwifuthe ngalinye elichongiweyo kwiixesha ezahlukeneyo.

La manqaku mathathu adibene ngandlela ithile, umzekelo, amathuba okuba utshintsho olukhulu lwenzeke kwangoko aphantsi kakhulu, kodwa kwixesha elide okanye xa ifuthe lingekho likhulu, amathuba angaphakama.

Umbala weeseli kwitheyibhile unceda ekubekeni phambili amanyathelo, oku kuchazwe kwiCandelo 3.5.

Kubalulekile ukuqaphela ukuba lo msebenzi kufuneka uqhubeke rhoqo. Njengoko ikamva elingaqinisekanga litshintsha libe lixesha elidlulileyo elaziwayo, amathuba, ubukhulu kunye namaxesha azayo kuya kufuneka atshintshwe kwaye aphuculwe. Xa kuvela iinkcukacha ezintsha, buyela kwizigqibo zakho zangaphambili.

1.3.1 Amathuba Okuba Kwenzeke

Ulawulo, ngaphezu kwayo yonke into, luyinzululwazi apho ubugcisa, inzululwazi, kunye nobuchule kudibana khona
Henry Mintzberg

Ucinga ukuba amathuba okuba umngcipheko wenzeke, aze abangele ifuthe, angakanani kwixesha eliqwalaselwayo? Kwaye ubukhulu befuthe obuya kubakho bungakanani?

Akukho mpendulo 'ichanekileyo' apha; kukho nje izigqibo ezahlukeneyo ezisekelwe kwiingcamango zomntu ngamnye kunye nombutho malunga nefuthe lesiganeko ngasinye. Ukuva iincoko ezahlukeneyo kunokunceda ukuphucula uqikelelo ngokusekelwe kumgaqo wokubuza abaphulaphuli, nangona iimbono kufuneka zixhomekeke kubuchule kunye nolwazi olufanelekileyo.

1.3.2 Ubukhulu

Ubukhulu befuthe naluphi na lunokunyuka njengoko ixesha lokubhekisa linde. Oku kuthetha ukuba kusenokwenzeka ukuba kufuneka kuthathwe amanyathelo xa ixesha libanzi. Ukulinganisa ubukhulu kumaxesha ahlukeneyo kunika ithuba lokubeka phambili amanyathelo kuwo onke umngcipheko.

1.3.3 Ixesha

Ngokwesiqhelo, xa amathuba kunye nobukhulu befuthe bulingana, ixesha elifutshane lifuna ingqwalasela ephezulu ekuthatheni amanyathelo.

Kulo msebenzi ulandelayo, oza kuncediswa ngutitshala wakho, siza kukhetha umbutho umzekelo, mhlawumbi lowo unxulumene nomfundi okhoyo, size sisebenzise indlela echazwe kwiindawo 1.1-1.3 ngokwenziwa.

Nazi ezinye zeemibuzo onokuyibuza:

• Imarike yeemveliso / iinkonzo zam iza kujonga njani kwixesha elizayo?
• Ingaba ibhalansi yethu / imithombo yemali ingatshintsha njani kwihlabathi apho ityala lingafumaneki lula / libiza kakhulu?
• Ngaba umbutho wam unokuchaphazeleka ngotshintsho kwiimarike zabathengi okanye zababoneleli zilandelayo:
  • Ukwakhiwa / izindlu nomhlaba
  • Amandla / ukufudumeza
  • Iinkonzo zezezimali
  • Ukuthengwa / iinkonzo ngurhulumente
  • Ulawulo lwenkunkuma

Injongo yokuchonga imingcipheko kunye nokuvavanya iziphumo kukuba umbutho wakho ukwazi ukuthatha amanyathelo okunciphisa izoyikiso okanye ukusebenzisa amathuba, ukuba uhlalutyo luxhasa olo nyathelo.

• Yamkela / Qwalasela
• Nciphisa
• Yamkela / Sebenzisa

Ukubeka phambili kuncediswa kukujonga umbala weeseli kwiitafile zakho zeziphumo. Xa isiphumo sinombala obomvu kufuneka sibekwe phambili xa kuthelekiswa nezinye iziphumo ezinemida yexesha efanayo okanye ende, iziphumo ezikwibhokisi eluhlaza zilungele ngakumbi ukwamkelwa nokujongwa.

Qaphela umngeni wokufuna ukujonga kuphela, endaweni yokuthatha amanyathelo, kuyo yonke imingcipheko, kuba oko kungathetha ukuba izinto ezininzi zingenzeka ngaxeshanye kwixesha elizayo.

Kuphephe ukoyika ilahleko. Ukoyika ilahleko yindlela yokucinga ebonisa ukuba kubantu, intlungu yokulahlekelwa inamandla aphindwe kabini ngokwengqondo kunovuyo lokufumana. Gxila ubuncinane kangangoko ekuchongeni nasekusebenziseni amathuba njengoko usenza ekuphepheni izoyikiso.

Kuphephe ukuthatha izigqibo ngokukhawuleza kakhulu. Ungazilungiselela iziphumo ezingahambelaniyo kwaye oku kunokuba yindlela eluncedo yolawulo lwemingcipheko.

Kolu candelo sigxininisa amanye amaqela amakhulu amanyathelo ukukunceda uguqule uhlalutyo lube ngamanyathelo. Olu luhlu aluphelelanga, kodwa luyilelwe ukukunceda uqale.

Amanqaku

Jonga iphepha lesi-6 lehttps://www.theirm.org/media/9230/charities-sig-an-introduction-to-emerging-risks-and-how-to-identify-them.pdf