Ngamhla ka-16 Imphala 2026, umphatsi lomkhulu we-Charles Schwab, Rick Wurster, utsite lenkampani ivimba imizamo leminyenti onkhe emaviki yema-agent e-AI langaphandle, kufaka ekhatsi i-Muse ye-Meta, lefuna kuhambisa imali yemakhasimende ngeliphasiwedi lelikhasimende ngekwalo, futsi i-JPMorgan yenta lokufanako. Sizatfu sehlela embutweni munye: nangabe i-agent yenta liphutsa, ngubani lokhokhako? Sifundvo kumnikati webhizinisi silula: ungaze umnike i-agent ye-AI liphasiwedi le-akhawunti yelibhange lenkampani yakho. I-Saudi Arabia seyivele inendlela lelawulwako: i-open banking, lesakhiwo sayo sakhishwa yi-Saudi Central Bank (SAMA) ngaLweti 2022, lenikwa ngulabahlinzeki labanelayisensi lebafinyelele etinkampanini tetinkhokhelo letingu-32 ngaInkhwekhweti 2026. Nangabe lombono umusha kuwe, cala ngemhlahlandlela wetfu we-open banking eSaudi Arabia.

Lokwenteke emabhange ase-US

Ngekusho kwe-The Next Web ngamhla ka-16 Imphala 2026, Wurster utsite i-Schwab ivimba ema-agent e-AI langaphandle lafuna kungena kuma-akhawunti emakhasimende futsi asebente kuwo, ngelizinga lelifinyelela ekumizamo leminyenti ngeliviki, futsi wabala i-agent yemuntfu ye-Meta, i-Muse. Ukhulume ngco: asifuni kutsi umuntfu amane anike liphasiwedi lakhe i-agent lengenako bese yenta tintfo egameni lakhe; singeke siyilawule, likhasimende lingeke liyilawule, kukhona lokungonakala, futsi ngubani lotawuphendvula?

  • JPMorgan: umphatsi lomkhulu Jamie Dimon waxwayisa ngema-agent langalawuleki emhlanganweni wemiphumela yelibhange. Libhange livumela emathulusi langaphandle kutsi abuke idatha ye-akhawunti, kodvwa angatfumeli imali noma akhokhe tikweleti.
  • Schwab: ivulela emathulusi langaphandle ema-server e-MCP ekufundza kuphela, lokusho emabhalansi nelucwaningo ngaphandle kwekutfumela imali, futsi icondzisa emakhasimende kumsiti wayo, i-Charley, lowamenyetwa ngamhla ka-30 Inyoni 2026 futsi lokhishwa ngetigaba kusukela ngaImphala.
  • Umtsetfo: e-US kusete kube nemtsetfo we-federal lonchuma kutsi ngubani lophendvulako nangabe i-agent ye-AI yenta liphutsa etinsitweni tetimali, ngako-ke emabhange anchume ngekwawo kuvala umnyango.

Kungani loku kubalulekile kuwe eRiyadh noma eJeddah

Ema-agent lavinjwa ngemabhange ase-US atfolakala nalapha: ema-extension e-browser lafundza emakhasi akho futsi enta imisebenti, njengoba sichazile esihlokweni setfu mayelana ne-ChatGPT ngekhatsi kwe-Chrome, nema-agent langena kumawebhusayithi futsi achofote tinkinobho esikhundleni sakho. Silingo singesempela: licembu lakho letimali lifuna i-agent letfola sitatimende selibhange futsi isicondzanise nema-invoyisi onkhe ekuseni. Kodvwa nangabe i-agent ingena ngeliphasiwedi lelingulo, ibona konkhe lokubonwa ngumnikati futsi ingenta konkhe langakwenta, futsi libhange libona kungena lokuvamile lelingakhoni kukwehlukanisa nemnikati we-akhawunti.

Inkinga akusiko kutsi i-agent ihlakaniphe kangakanani. Tintfo letintsatfu: liphasiwedi seliphume etandleni takho laya kunsita longakhoni kuyihlola, imvume ye-agent ayigcini ekufundzeni noma emalini letsite, futsi nakonakala lokutsite kute luhlangotsi loluphendvulako ngekwesivumelwano.

Lenye indlela lelawulwako: i-open banking ye-Saudi Central Bank

Loko emabhange ase-US lakwakha manje ngekushesha, kungena kwekufundza lokuhlelekile kanye nekungabi khona kwekutfumela imali lokungalawulwa, eSaudi Arabia kunesakhiwo lesisemtsetfweni sekuphele iminyaka:

  • Lweti 2022: i-Saudi Central Bank yakhipha Sakhiwo se-Open Banking. Inguculo yaso yekucala yagcila kuTinsita Tekwatisa nge-Akhawunti, letikuvumela kutsi wabelane ngedatha ye-akhawunti yakho ngekuphepha nalomunye, ngemvume yakho.
  • Bhimbidvwane 2023: yetfula i-Open Banking Lab, lapho emabhange netinkampani te-fintech tihlola futsi ticinisekise tinsita tato ngaphambi kwekutinikela.
  • Inyoni 2024: inguculo yesibili yemboza Tinsita Tekucalisa Inkhokhelo. Ihlela kutsi lensita inikwa kanjani ngendlela letsembekile nalephephile, futsi ichaza imisebenti yalo lonkhe luhlangotsi. Lena yimphendvulo ngco yembuto wekutsi ngubani lophendvulako.
  • Inkhwekhweti 2026: libhange lelikhulu laniketa lelinye lilayisensi kumhlinzeki wekwatisa nge-akhawunti, lokwenta linani letinkampani letinelayisensi tetinsita tetinkhokhelo libe ngu-32, futsi lagcizelela kusebentelana kuphela netikhungo letinelayisensi.
  • 16 Inyoni 2026: inkhundla yalo ye-open banking nemabhange yabeka tintfo letibalulekile tesigaba lesilandzelako, kufaka ekhatsi kulungela kwemabhange kucalisa tinkhokhelo kanye nekwandzisa kusetjentiswa kwe-open banking ngemabhizinisi.

Umehluko lobonakalako: nge-open banking awuze unikete liphasiwedi lakho. Uvumela imvume lechazwe kahle kumhlinzeki lonelayisensi, futsi libhange liyati kutsi ngubani lofuna idatha nekutsi kungani.

Tinyatselo tenkampani yakho kulelisonto

  1. Buta licembu lakho ngco: ukhona yini lonikete liphasiwedi le-portal yelibhange kulithulusi le-AI noma ku-extension ye-browser? Nangabe kunjalo, lishintje lamuhla.
  2. Hlukanisa kufundza ekukhokheni: kucondzanisa titatimende nemibiko kudzinga kuphela kungena kwekufundza. Kutfole ngemhlinzeki wekwatisa nge-akhawunti lonelayisensi ye-Saudi Central Bank, hhayi nge-agent lengena njengawe.
  3. Gcina tinkhokhelo ngaphansi kwemvume yebantfu: konkhe kutfumela imali kudlula etindzimeni tekufaka nekugunyata ku-portal yemabhizinisi yelibhange lakho, futsi kute i-agent ye-AI lenelilungelo lekugunyata.
  4. Hlola lilayisensi: ngaphambi kwekuxhumanisa nome nguyiphi i-app yetimali ne-akhawunti yakho, yifune kuluhlu lwetikhungo letinelayisensi kuwebhusayithi ye-Saudi Central Bank.
  5. Buta libhange lakho ngetindlela letisemtsetfweni: nangabe luhlelo lwakho lwetimali noma i-ERP idzinga idatha yelibhange, buta ngekuxhumana nge-API esikhundleni sekungena lokutentekelako ku-portal.

Umbono we-Origami

Sibona sincumo se-Schwab ne-JPMorgan njengesibonakaliso sekucala: ema-agent e-AI atawufinyelela kuyo yonkhe imitimba yetimali, kodvwa kuphela ngemnyango wangembili. Inkampani lekha kutentekela kwayo kwetimali lamuhla etikwemaphasiwedi lanamatsiselwe ku-agent itawukwakha kabusha kusasa; leyakha etikwema-interface lalawulwako itawukhona kwengeta ema-agent ngetulu ngekuphepha.

Inzuzo yemakethe yase-Saudi kutsi sakhiwo silungile, bahlinzeki baso banelayisensi, futsi libhange lelikhulu lisho ebaleni kutsi kwandzisa kusetjentiswa ngemabhizinisi kubalulekile. Loko lokuntjintjiko etinkampanini letinyenti akusiyo imitsetfo, kodvwa ngumsebenti wekuxhumanisa tinhlelo tato tangekhatsi naletindlela esikhundleni setisombululo tesikhashana.

Sigcino

Ema-agent e-AI awusito emsebentini wetimali, kodvwa hhayi ngeliphasiwedi lelibhange lakho. Yenta kutsi kufundza kudlule nge-open banking nemhlinzeki lonelayisensi, gcina tinkhokhelo ngaphansi kwemvume yebantfu ngekhatsi kwe-portal yelibhange lakho, futsi ushintje nome nguliphi liphasiwedi leseliye kulithulusi langaphandle. Nangabe ufuna kuxhumanisa luhlelo lwakho lwetimali noma lwekusebenta nelibhange lakho ngendlela lelawulwako, khuluma natsi.

Imitfombo