FIntech Kya hai? Beginner’s guide to Fintech

 

Sabse pehle aapko ye bata du doston ki FIntech ek aisa sector hai jo 2025 tak 25% CAGR ke rate se grow karega aisa kaha jaa raha hai. Number ke hisaab se bole to $84 BIllion ka industry hone wala hai Fintech by 2025. Abhi bhi agar aap interested nahi hue to koi baat nahi, video ko band kar djiye, lekin jab train station se nikal jayegi, to fir pakadna mushkil hoga. Yahi wajah hai ki India ke major financial Institutions fintech ka rasta pakad rahe han, chahe banks ho ya brokerage houses, aur isiliye aapko samajh na padega ke agar aapka bank ya aapka broker Fintech company ban ne jaa raha hai to fir kyun? Aur isse aapko ya aapke services pe kya impact aayega. Aaj ke post me main aapko yahi sab bataunga, isliye post ke end tak read kriye blog ko subscribe kijiye.

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Kya hai FIntech

Fintech ka matlab hai Technological Advancement ko Finance sector me use karke easy to use solutions prepare karna. Ek chota example dunga. 10 saal pehle jab aap bank me account open karte the to kitna lamba process hua karta tha? Jab paise nikal ne hote the to aap kya karte the? Deosit ka paper leke line me khade hote the, ye cheque leke jaate the, aur badle me aapko kya milta tha? Paper cash. Uske baad Debit cards popular hue, credit card aaye, aur bank ke jagah pe aapko ATM ke saamne line lagana padta tha. Lekin abhi aap ke smartphone ke ke kuch apps ke zariye aap kahi bhi kitna bhi paise ka transaction kar sakte hain. Card bhi nahi chahiye. Ye hai FIntech ka kamaal.

Sirf yahi nahi, Fintech ka main proponent hai Blockchain technology and Cryptocurrency, jisne duniya ke currency system ko ek alternative diya hai, lekin uspe baat hum kisi aur video me karenge.

 

Fintech ka underlying process ye tha ki duniya bhar ke logo ka banking transactions and financial transactions ko digitaize karna aur usko itna smooth aur accessibe banana ke kisi ke bhi phone se wo sab kaam ho jaye jo ab tak sirf banks me hota tha.

 

To iska matlab kya ye hai ki Banks ka necessity chala gaya? Physical banks ki koi zaroorat nahi hai? Kya Fintech ke aane se banks band ho jayenge?

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Fintech Karta kya hai

AI aur Machine LEarning ke zariye Fintech aapke financial needs ko behtar samajhta hai, koi bhi human Financial planner se bhi shayad behtar. Isliye Insurance aap online khareed sakte hain, aapka salary, aapka target amount aur age ke details daal ne ke baad, algorithm aapke liye best insurance plans, ya Mutual Fund plans ya fir Shares generate karta hai. Isme human emotional involvement na hone ke wajah se ye fool proof technique hai aapke paise ko safe rakhne ka.

 

Lekin iska matlab ye nahi ki sabkuch online hoga aur physical Insurance company, ya brokers ya banks gayab ho jayenge. HOga aisa ke in sab companies ko apne platform, app ya trading platform me AI and Machine Learning driven Algorithms ko incorporate karna hoga taaki jo kaam human employees manually karte the, wo zyada efficiently automate kiya jaa sake. Kuch kaam jaise Account mapping, transaction reporting and book and ledger management, ye saare kaam agar automated ho to wo fast and efficient wayne ho sakta hai. Sarkari banks ke lambe line sabko yaad hai. Passport office ke saamne mahine line lagana aur fir bhi passport na milna ye bhi sabko yaad hai.

 

Advantages of Fintech

 

1. Added security of digital encryption to your financial transactions - jab tak aap khud kisi ko apna password ya OTP nahi dete, koi bhi aapka paisa nahi le jaa sakta
2. Unified Payment gateways - Google, Walmart, Paytm ne humari zindagi kaafi asaan kar di hai, kyun ki daily paperwork ja jhamela nahi, seedha button dabao aur payment karo. India me 95% of FIntech industry is about Digital Payments
3. Insurtech - Securtech - Iska matlab hai Online Insurance and Securities me deal karna. Broking industry me RObo Advisory ek aisa visionary breakthrough hai jo koi bhi human intervention ke bina investor ke profit ko multiply kar sakta hai.

 

 

Aaap zaroor puchenge ke isse job jaayenge bahut employees ke, jawab ye hai ki isse kuch jobs zaroor loss honge, data entry and manual computation waala, lekin new skills wale youth ke liye Fintech company ek bahut accha job genereator hai. Kyun ki in Fintech companies me regularly highly skilled young talents ki zaroorat padegi, aur in Fintech companies ke baare me logo ko educate karne ke liye bhi educators ki zaroorat padegi, jiske liye social media helpful saabit hoga. To influencers ke liye aur tech professional s ke liye ek naya opportunity hai. Aur tech professionals and business houses ke beech me intermediators yaani management professionals ke liye naya challenge hai ek emerging market me growth opportunity ko dhoond nikal na. Matlab sab ke liye Fintech ek win win scenario hai. Aane wale dino me major financial transactions inhi se honge, aur major job generation Fintech companies hi karenge. Chahe aap end user ho, ya fir developer ya fir management professional, time aa gaya hai ki aap fintech ke baare me apne knowledge ko solid banale, take jab leher aayegi, tab aap uspe chadke aur aage jaane ke liye ready rahein.

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