Njengoko imida phakathi korhwebo lwedijithali kunye nolwasemzimbeni luphela, abathengisi bacinga ngokutsha indlela yabo yokuzibandakanya kwabathengi ngo-2025.
Ngexesha apho ubukrelekrele bokwenziwa bunokuqikelela ukuthengwa kwakho okulandelayo kunye ne-try-ons sele iyinto eqhelekileyo, indawo yokuthengisa ngo-2025 ithembisa umngeni osoloko uvela wokuhambisana nezinto ezikhethwa ngabathengi banamhlanje. Njengoko imida yemveli phakathi korhwebo lwenyama kunye nedijithali iqhubeka ukufiphala, abathengisi bajongana neyona ndawo ibalulekileyo yokuguquguquka: bamkele itekhnoloji ekhulayo elungisa ulindelo lwabathengi okanye umngcipheko wokuba yintsomi yesilumkiso yangomso. Izibonda azizange zibe phezulu, kunye nabathengi abafuna amava angengawo omntu kuphela, kodwa aqikelelwayo, azinzileyo, kwaye abandakanya kuzo zonke iindawo zokucofa.
Uphando lwe-IBM lubonise ukuba ngelixa i-55% yabathengi bethembele kwi-intanethi (28%) okanye i-hybrid (27%) yokuthenga, i-45% isakhetha amava emveli asevenkileni. Ukukwazi ukuhamba ngaphandle komgudu phakathi kwedijithali kunye neendlela zokuthenga eziphathekayo kuye kwaba ngumahluko obalulekileyo kwindawo yokuthengisa ekhuphisanayo.
Kubathengisi, eli ayilolinye nje inguqu yedijithali - yinto esisiseko yokucinga kwakhona ngendlela itekhnoloji enokwenza ngayo unxibelelwano olunzulu nabathengi. Impumelelo ngo-2025 iya kuxhomekeka ekudaleni amava adibanisa ngokungenamthungo ukusungulwa kwedijithali kunye nokuchukumisa abantu, ngelixa kuqwalaselwa iimfuno ezikhulayo zozinzo kunye noxanduva lwentlalo. Nazi iindlela ezine eziphambili zetekhnoloji ezilungisa ikamva lokuthengisa.
1. Nikeza ukhetho lwentlawulo ekuphumeni
Iintsuku zesisombululo sentlawulo esilinganayo sisemva kwethu. Ngo-2025, ukhetho lwentlawulo ayiloncedo nje – lulindelekile kuwo onke amajelo okuthengisa. Ukuba neenketho zokuhlawula ezilinganiselweyo kunokukhokelela ekulahlekeni kwenqwelo, amava ahluphekileyo kubathengi kunye nokunciphisa ingeniso.
Kubathengisi abanobukho be-e-commerce, abathengi abaninzi ngakumbi bakhetha enye intlawulo efana ne-wallet yedijithali kunye ne-BNPL. Ngokutsho kwe-EY, i-73% yabarhwebi iyavuma ukuba ukusilela ukwamkela ezinye iindlela zokuhlawula kunokuchaphazela ukuthengisa, kusishiya sinethemba lokuba iimfuno zabathengi ziyaviwa. Cinga ngoku: ukhetho lwentlawulo lubaluleke kakhulu kangangokuba abantu aba-2 kwaba-3 baseMelika bagqibe ekubeni bathenge kwi-intanethi ethile umrhwebi kuba umrhwebi wamkele isipaji sakhe esiphathwayo.
Kodwa ngelixa iintlawulo zedijithali ziye zanda, abathengisi kufuneka baqonde ukuba izigidi zabantu baseMelika zisaxhomekeke emalini - abanye ngokunciphisa, kodwa abaninzi nangokukhetha. Ngeentengiselwano ezizizigidi ezingama-50 zonyaka kwiivenkile zethu, sizibonela ngokwethu indlela ezibaluleke ngayo iinkonzo zemali, nokuba abantu abaninzi bashiywa ngaphandle kwezoqoqosho. Enyanisweni, ngaphezu kwe-90% yabathengi bajonge ukusebenzisa imali njengendlela yokuhlawula okanye ukugcinwa kwexabiso kwixesha elizayo.
Abathengisi abavelisa izinto ezintsha nabaqukayo kufuneka baphumeze iinkqubo zokuthengisa ezithatha iindidi ezininzi zeentlawulo ezenza ukuba wonke umthengi azive exabisekile. Kufuneka kwakhona bahlale phezu kwezibhengezo zeteknoloji yokuhlawula njengezixhobo zokulawula imali engenayo kunye nezisombululo zokuphuma zenza amaza kwishishini, njenge-Fastlane, i-CINQ nguCoinstar okanye i-Marqeta Flex eyabhengezwa kulo nyaka.
2. Sebenzisa i-AI ye-hyper-personalization
I-Hyper-personalization enikwe amandla yi-AI idala amanqanaba angazange abonwe ngaphambili othethathethwano lwabathengi kunye nokwaneliseka. Yiyo loo nto i-71% yabathengi besithi balindele ukuba iinkampani zizise unxibelelwano lomntu, kwaye i-76% yabo iyakhathazeka xa iibrendi zisilela ukwenza oko. Ukusuka kwingcebiso yesipho esikrelekrele ukuya kumava okuzama okubonakalayo, i-AI yophula imiqobo phakathi kokhangelo lwedijithali kunye nokuthenga ngokwasemzimbeni.
Sele sibabona abathengisi be-intanethi abasiqondayo isitayile somthengi, ubungakanani kunye nezinto azikhethayo ngokuchanekileyo kangangokuba banokucebisa isipho esigqibeleleyo okanye bavumele ukuba bazame iimpahla okanye iiglasi zamehlo ngokuchaneka kwefotorealistic. Ezi teknoloji aziphuculi nje lula. Bakha kwakhona yonke imodeli yentsebenziswano yabathengi, benza ukuba amava okuthenga azive elungiselelwe ngokukodwa.
3. Yenza ukuthenga kube lula kwaye kusebenze kakuhle
Abathengi bafuna okungakumbi kunemveliso nje kubathengisi babo. Bafuna umthungo, amava okuthenga kwindawo enye kunye neempawu abazithandayo. Ishishini liphendula ngokutshintsha ukusuka kumthengisi wenkonzo enye ukuya kwindawo eneenkonzo ezininzi.
Ukongeza izitendi zekhadi lesipho yenye indlela yokunceda ukuhlangabezana neemfuno zokunika izipho zabathengi, apho iBhanki yaseMelika ilindele ukuba idume kubathengi bayo yonke iminyaka kulo nyaka. Utshintsho olusecaleni lunokuguqulwa ngokulula nangokulula ukwenza imali iye phambili. Endaweni yokuphosa utshintsho epokothweni, umthengi usenokuqokelela izinto azithengileyo ukuze axhase inyathelo lendawo yokusingqongileyo okanye aguqule utshintsho olwenziwayo lube likhadi lesipho ukuze lisetyenziswe kwixesha elizayo- zonke zilula ngeempompo ezimbalwa. Umzekelo, i-Coinstar kiosks inokuguqula ingqekembe ibe yikhadi le-e-sipho elingahlawulelwayo, umnikelo wesisa okanye ukuthengwa kwe-cryptocurrency. Oomatshini abaluhlaza bavumela abathengi ukuba batshintshe iingqekembe zabo kunye nemali ngqo kwiiakhawunti zabo zebhanki ngokuswayipha kwekhadi.
Ukusebenza kakuhle kwasevenkileni kuya kubaluleka, ngakumbi kubathengi abathenga ikakhulu kwi-Intanethi kwaye banokuthandabuza ukuthenga kwindawo exakekileyo ngexesha leholide. Ngokwesaveyi yabathengi ye-GWI, i-70% yabathengi be-intanethi baseMelika bakhankanya ukufumaneka kwemveliso kunye nokucoceka kokugcina kubalulekile xa uthenga evenkileni.
Njengoko abathengisi beqhubeka nokukhuphisana ngokunyaniseka kwabathengi kunye ne-traffic, ngoku lixesha lokucinga malunga nokuba yeyiphi intsebenziswano kunye nemigaqo-nkqubo yevenkile enokwenza amava omthengi abe ngcono ngakumbi.
4. Dibanisa uzinzo kwimodeli yeshishini lakho
Uzinzo luba yeyona mfuno ingundoqo yokusebenza. Abathengi, ngakumbi izizukulwana eziselula, bafuna ukungafihli kunye nokuzinikela okunyanisekileyo kuxanduva lokusingqongileyo. Ngaphandle koxinzelelo lweendleko zokuphila, i-PwC Voice yeSaveyi yoMthengi yabelane ngaphezu kwe-80% yabathengi bazimisele ukuhlawula ngaphezulu kwezinto ezizinzileyo eziveliswe okanye ezifunyenweyo. Abathengisi basabela kulo mdla wabathengi ngokudibanisa ukuzinza ngokuthe ngqo kwiimodeli zabo zoshishino.
Iindlela ezintsha ezifana nokulandela umkhondo wekhabhoni wexesha lokwenyani kwiimveliso, ukupakishwa kwe-eco-friendly kunye namaxabiso aphendulayo kwimozulu anokunceda iinkampani ukuba zifumane isabelo sentengiso ngaphezu kwezo zingakwenziyo. Iinkqubo zokuphinda zisetyenziswe ezinkozo kwakhona zinceda ukugcina iingqekembe zijikeleza, zinciphisa imfuneko yokwenziwa kweengqekembe ezininzi. Ngokwengxelo ye-Mint yase-United States ekhutshwa kabini emva kweminyaka emibini, iindleko zokwenza iipeni kunye neenikeli zingaphezulu kwexabiso lobuso, nto leyo ebonisa ukunqaba kwesinyithi esixabisekileyo sesizwe sethu. I-Reworld, inkampani ezinzileyo yokusetyenzwa kwenkunkuma, ikwaqikelele ukuba i-68 yezigidi zeerandi zotshintsho e-US ilahlwa kude kwaye ibekwe kwindawo yokulahla inkunkuma minyaka le. Ngokunikezela ngokuphinda kusetyenziswe iingqekembe zemali, abathengisi banokuba negalelo kwindlela esebenzayo kunye neyonga imali yokubonelela ngotshintsho kwindawo yokuthengisa.
Ukwamkela itekhnoloji ngo-2025 nangaphaya
Njengoko sijonge kunyaka omtsha, abona bathengisi baphumelele kakhulu baya kuba ngabo bajonga itekhnoloji ingeyiyo njengesixhobo, kodwa njengeqabane elinobuchule ekudaleni amava aluncedo kubathengi. Ngokwamkela ukhetho lokuhlawula, iinkonzo ezongeziweyo zexabiso, ubuqu obuqhutywa yi-AI, kunye nezenzo ezizinzileyo, sinokwakha i-ecosystem yokuthengisa ephendulayo, ebandakanyayo kunye nokucinga kwangaphambili.
Ikamva lokuthengisa alikho malunga nokuthengisa iimveliso kunye neenkonzo - limalunga nokudala uqhagamshelo, ukusombulula iingxaki kunye nokuhambisa ixabiso ngeendlela esiqala ukuzicingela.
Malunga uMbhali: U-Kevin McColly, i-CEO ye-Coinstar, yi-CFO yangaphambili kunye nenkokeli yezemali onomsebenzi we-Deutsche Bank, i-Outerwall, kunye neendima zobunkokeli ezahlukeneyo, kunye nokuthanda kwakhe ukuhamba ngebhayisikile kunye nenkonzo yoluntu.
Umthombo ovela Inethiwekhi yeInsight yokuthengisa
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