{"id":6585,"date":"2024-06-06T11:03:50","date_gmt":"2024-06-06T11:03:50","guid":{"rendered":"http:\/\/the-codest.localhost\/dictionary\/fintech\/"},"modified":"2024-06-06T11:03:50","modified_gmt":"2024-06-06T11:03:50","slug":"fjartaekni","status":"publish","type":"dictionary","link":"https:\/\/thecodest.co\/is\/dictionary\/fintech\/","title":{"rendered":"Fj\u00e1rt\u00e6knifyrirt\u00e6ki"},"content":{"rendered":"

Hva\u00f0 er FinTech?<\/h1>\n

FinTech<\/a>, skammst\u00f6fun fyrir Financial Technology, er hugtak sem v\u00edsar til notkunar n\u00fdst\u00e1rlegrar t\u00e6kni til a\u00f0 veita fj\u00e1rm\u00e1la\u00fej\u00f3nustu og fj\u00e1rm\u00e1lav\u00f6rur. \u00deetta er \u00f6rt vaxandi i\u00f0na\u00f0ur sem hefur raska\u00f0 hef\u00f0bundnum fj\u00e1rm\u00e1la\u00fej\u00f3nustum og umbreytt \u00fev\u00ed hvernig f\u00f3lk stj\u00f3rnar fj\u00e1rm\u00e1lum s\u00ednum.<\/p>\n

FinTech fyrirt\u00e6ki<\/a> eiga \u00fea\u00f0 sameiginlegt a\u00f0 geta n\u00fdtt s\u00e9r t\u00e6kni \u00ed fremstu r\u00f6\u00f0, svo sem gervigreind, ke\u00f0jukeilur<\/a>, og st\u00f3r g\u00f6gn<\/a>, a\u00f0 veita fj\u00e1rm\u00e1la\u00fej\u00f3nustu sem er hra\u00f0ari, \u00f3d\u00fdrari og \u00fe\u00e6gilegri en hef\u00f0bundnar fj\u00e1rm\u00e1lastofnanir. \u00deessar \u00fej\u00f3nustur n\u00e1 fr\u00e1 fars\u00edmum bankastarfsemi<\/a>, jafningjal\u00e1n, stafr\u00e6n veski, v\u00e9lan\u00e1msr\u00e1\u00f0gjafar og netgrei\u00f0slur.<\/p>\n

\u00der\u00f3un FinTech<\/h1>\n

R\u00e6tur FinTech m\u00e1 rekja aftur til 1950. \u00e1ratugarins, \u00feegar fyrsta kreditkorti\u00f0 var kynnt. Hins vegar h\u00f3fst raunveruleg umbreyting fj\u00e1rm\u00e1lageirans \u00e1 n\u00edunda \u00e1ratugnum me\u00f0 tilkomu internetsins og vaxandi vins\u00e6ldum netbanka. \u00deetta leiddi til \u00feess a\u00f0 n\u00fdir a\u00f0ilar komu fram \u00e1 sj\u00f3narsvi\u00f0 fj\u00e1rm\u00e1lageirans, svo sem PayPal, sem raska\u00f0i hef\u00f0bundnu grei\u00f0slukerfinu.<\/p>\n

\u00der\u00f3un snjalls\u00edma og fars\u00edmat\u00e6kni<\/a> \u00c1 2000. \u00e1ratugnum hra\u00f0a\u00f0i v\u00f6xt FinTech enn frekar. Fars\u00edmaforrit fyrir bankavi\u00f0skipti, eins og Venmo og Square, ger\u00f0u notendum kleift a\u00f0 flytja peninga og grei\u00f0a reikninga me\u00f0 a\u00f0eins nokkrum snertingum \u00e1 s\u00edmunum s\u00ednum. \u00deetta ger\u00f0i fj\u00e1rm\u00e1la\u00fej\u00f3nustu a\u00f0gengilegri og \u00fe\u00e6gilegri, s\u00e9rstaklega fyrir yngri kynsl\u00f3\u00f0ir sem kj\u00f3sa rafr\u00e6n bankavi\u00f0skipti<\/a> yfir hef\u00f0bundinni bankastarfsemi.<\/p>\n

\u00cd dag hefur FinTech or\u00f0i\u00f0 al\u00fej\u00f3\u00f0legt fyrirb\u00e6ri, me\u00f0 fyrirt\u00e6kjum eins og Ant Financial, Stripe og Revolut \u00ed fararbroddi n\u00fdsk\u00f6punar og truflunar. Gert er r\u00e1\u00f0 fyrir a\u00f0 i\u00f0na\u00f0urinn haldi \u00e1fram a\u00f0 vaxa \u00e1 komandi \u00e1rum, me\u00f0 auknum fj\u00e1rfestingum og samstarfi milli FinTech-fyrirt\u00e6kja og hef\u00f0bundinna fj\u00e1rm\u00e1lastofnana.<\/p>\n

\u00c1vinningurinn af FinTech<\/h1>\n

FinTech hefur f\u00e6rt neytendum jafnt sem fyrirt\u00e6kjum margv\u00edslega kosti. H\u00e9r eru nokkrir helstu kostirnir:<\/p>\n