Irobhothi yenkonzo yebhanki isebenza kwiNkomfa yeRobhothi yeHlabathi yeWRC ngo-Okthobha 21, 2016 eBeijing, China.Iqela elibonakalayo lase China ngokusebenzisa imifanekiso kaGetty Kutshanje bendindwendwele ibhanki. Ukundisebenzela, umthengi wayo, iziko eligcina imali yam encinci (kodwa ndingathanda ukundithengisela imali mboleko) yandinika ukhetho. Ndingazibandakanya nomgca we-15 onzulu womntu ukuze ndibone umntu oxelela yedwa emsebenzini, okanye undwendwele enye yee-ATM zesebe ezine.
Le yi-anecdote kunye ne-quotidian enye kuloo nto, kodwa ishishini lebhanki linokhetho olucacileyo koomatshini kunabantu. Iibhanki ezinkulu zikwangabaqeshi abakhulu: ngaphezulu kwesigidi esinye sabantu basebenza kwiibhanki ezinkulu zelizwe ezili-10, ngokweStatista . Into ngeebhanki kukuba zikhona ukuzisa inzuzo kubanini zabelo, kwaye abantu bayabiza.
Iibhanki ezinkulu ezinjenge-Wells Fargo ziyakuqonda oku, yiyo loo nto ibhanki ikholelwa ukuba oomatshini bayakususa isikhundla sokuxela kwaye banqumle ukuya kwi-200,000 yeminye imisebenzi yebhanki kule minyaka ilishumi izayo.
Ngelixa abasebenzi kuwo onke amacandelo emisebenzi ngelinye ilanga kungafuneka bakhuphisane noomatshini kwimisebenzi yabo yemihla ngemihla yokuphumelela isonka-idyopopi ekufutshane-kwikamva apho umphathi wangaphambili weSilicon Valley u-Andrew Yang eseka iphulo lakhe lobongameli-akukho shishini eMelika lichitha ngaphezulu kwi Iindlela zokuphelisa imeko yomntu kuneebhanki. Sebenzisa oomatshini abanjengeeATMs ukujongana noluntu kunabanye abantu ngumzekelo wokusebenza kakuhle kwezobuchwephesha, enye yeendlela ezimfutshane ezisindisa abasebenzi kwimizi-mveliso yebhanki ichitha i-150 yezigidigidi ngonyaka ukuphuhlisa, njengoko Bloomberg ingxelo .
Imisebenzi ekunokwenzeka ukuba ihambe kuqala yimisebenzi esele inqongophele. Abathumeli kunye nabanye abasebenzi kwiindawo zebhanki zebhanki kunye nabasebenzi beziko lokufowuna abajongana nekhadi lakho le-ATM elahlekileyo baya kuba ngabokuqala ukuhamba, njengoko umhlalutyi omkhulu wase-Wells Fargo uMike Mayo exelele le ndawo.
Ubuninzi besithathu semisebenzi kumasebe, iiofisi zebhanki kunye namaziko okutsalela umnxeba aya kuhamba. Ubuncinci okwangoku, iibhanki zisaza kuxhomekeka ebantwini ukuba benze intengiso, babonisane kwaye banike iingcebiso ngezemali. Sele iibhanki zinciphisa ukusebenza kwazo: ukuqeshwa kwiofisi engaphambili kwiibhanki kwehle unyaka wesihlanu ngokulandelelana kwi-2018, ngokweBloomberg.
Amacandelo emisebenzi akumgangatho ophakathi njengokuvelisa-eyona ndlela yokuvelisa enikezela abaququzeleli bendawo ithuba elilula nelingqalileyo- zibonwe njengezona zisemngciphekweni wokuphulukana nomhlaba ziirobhothi. Imveliso imele ukuphulukana nemisebenzi efikelela kwizigidi ezingama-20 kwihlabathi liphela ngowama-2030, ngokutsho kohlalutyo lwamva nje . Kwaye iimpahla ezinjengomkhosi wase-US kutshanje zibonakalise ukuthanda kwabo ukugqiba imisebenzi enzima, enje ukubiza uqhankqalazo lweeartillery , Ngoomatshini.
Kodwa izicwangciso zeebhanki ezinkulu zokuya kumboniso wedijithali wokuba abasebenzi abamhlophe basebenza banoloyiko olukhulu kuguquko lweerobhothi- kwaye ukuba imisebenzi yebhanki iyahamba, ayicacanga ngokukhawuleza ukuba leliphi icandelo eliza kukwazi ukunika abantu abaninzi indlela efanelekileyo enokufana imisebenzi kunye nentlawulo.
Kule nto, umntu unokuphikisa ngelithi oomatshini sele belapha-kwaye, njengoko amava am ebonisa, babonisa indlela ekhawulezileyo nesebenzayo yokujongana nomntu. Kodwa kukwasisiprofeto esizalisekisayo, kwaye kukho into ehlekisayo ngokunzulu ngeebhanki, eziqesha abantu kodwa zikhethe ukusebenzisa oomatshini ukujongana nabantu abababizayo ukuba basebenzise ukukhangela iiakhawunti kwaye bathengisa kubo amakhadi etyala kunye nezinye iimveliso ezixabisa imali yokuyisebenzisa, elumkisa uluntu — kuquka nabantu ebaqeshileyo — ukuba oomatshini kungekudala baza kuthabatha indawo yabantu. Kodwa ubuncinci iibhanki zibonelela ngesilumkiso esifanelekileyo malunga nento abayenzayo.
