{"id":3230,"date":"2022-02-09T09:27:04","date_gmt":"2022-02-09T09:27:04","guid":{"rendered":"http:\/\/the-codest.localhost\/blog\/fintech-development-a-knowledge-pill-for-ctos\/"},"modified":"2024-07-23T09:41:07","modified_gmt":"2024-07-23T09:41:07","slug":"fintech-throun-thekkingarpilla-fyrir-cto-a","status":"publish","type":"post","link":"https:\/\/thecodest.co\/is\/blog\/fintech-development-a-knowledge-pill-for-ctos\/","title":{"rendered":"Fintech-\u00fer\u00f3un. \u00deekkingarpilla fyrir CTOs"},"content":{"rendered":"

\u00dev\u00ed mi\u00f0ur, 4. \u00fatg\u00e1fa af Skot\u00feoli\u00f0 CTO<\/a> vefn\u00e1mskei\u00f0<\/strong> er \u00e1 eftir okkur<\/a>, en vi\u00f0 erum komin aftur me\u00f0 stutta yfirlitsskr\u00e1ningu til a\u00f0 draga fram mest rafmagna\u00f0u augnablikin \u00far erindum okkar. N\u00fdjasta \u00fe\u00e1tturinn sn\u00fdr s\u00e9r um Fj\u00e1rt\u00e6knifyrirt\u00e6ki<\/a><\/strong>. Sem gestgjafi f\u00e9kk \u00e9g fr\u00e1b\u00e6rt t\u00e6kif\u00e6ri til a\u00f0 eiga heillandi samtal vi\u00f0 tvo fr\u00e1b\u00e6ra fyrirlesara m\u00edna:<\/p>\n

Przemys\u0142aw Kowalczyk, me\u00f0stofnandi Ramp<\/b> \u2013 fyrirt\u00e6ki\u00f0 byggir dreif\u00f0a, trausta innvi\u00f0i til a\u00f0 gera dulm\u00e1lsforrit ekki a\u00f0eins \u00f6flug, heldur einnig \u00e1n\u00e6gjuleg. T\u00e6kni \u00feeirra opnar fyrir framt\u00ed\u00f0 \u00fear sem allir geta skipt gildi \u00e1 jafn au\u00f0veldan og skilvirkan h\u00e1tt og \u00feegar Interneti\u00f0 er nota\u00f0. \u00deau leggja sig fram um a\u00f0 gera \u00feetta a\u00f0 veruleika fyrir alla; <\/p>\n

Mathias Klenk, me\u00f0stofnandi Passbase<\/b> \u2013 fyrirt\u00e6ki\u00f0 b\u00fd\u00f0ur forriturum upp \u00e1 safn SDK-a sem h\u00e6gt er a\u00f0 sam\u00fe\u00e6tta \u00ed \u00fej\u00f3nustu \u00feeirra andlitsgreiningu, l\u00edfkennagreiningu, sannpr\u00f3fun au\u00f0kenna og \u00fatdr\u00e1tt au\u00f0kennauppl\u00fdsinga, auk \u00feess sem innbygg\u00f0 pers\u00f3nuvernd gerir einst\u00f6kum notendum kleift a\u00f0 stj\u00f3rna eigin au\u00f0kenni g\u00f6gn<\/a><\/p>\n

Fyrir alla n\u00fdli\u00f0a h\u00e9r \u00fati, the Skot\u00feoli\u00f0 CTO<\/strong> er r\u00f6\u00f0 vefn\u00e1mskei\u00f0a sem haldin eru af The Codest<\/a>. Fyrirlestrahaldi\u00f0 okkar hefur veri\u00f0 haldi\u00f0 \u00e1rsfj\u00f3r\u00f0ungslega fr\u00e1 2021. Vi\u00f0 beinum \u00feeim til t\u00e6kni- og verkfr\u00e6\u00f0ilei\u00f0togar<\/strong> sem og hugb\u00fana\u00f0arfr\u00e6\u00f0ingar<\/a>
\nsem stefna a\u00f0 \u00fev\u00ed a\u00f0 taka a\u00f0 s\u00e9r verkfr\u00e6\u00f0istj\u00f3rnunarhlutverk. <\/p>\n

Vi\u00f0 helgu\u00f0um \u00feennan \u00fe\u00e1tt n\u00fdjustu umr\u00e6\u00f0uefnum og straumum sem eru \u00e1 ratsj\u00e1 meirihluta Fj\u00e1rt\u00e6knilei\u00f0togar<\/strong> og \u00e1hugamenn. Nj\u00f3ti\u00f0 vi\u00f0bur\u00f0arins okkar \u00ed formi samantektar og v\u00edkki\u00f0 t\u00e6knilega sj\u00f3ndeildarhringinn me\u00f0 okkur! <\/p>\n

Hva\u00f0 hefur \u00e1ri\u00f0 2021 f\u00e6rt fintech-geiranum og hva\u00f0 m\u00e1 b\u00faast vi\u00f0 \u00e1ri\u00f0 2022?<\/h2>\n

Sj\u00f3narhorn Mathiasar Klenk:<\/h3>\n

\u2018\u00c9g held a\u00f0 vi\u00f0 getum ekki r\u00e6tt um 2021 \u00e1n \u00feess a\u00f0 nefna Web3, sem \u00ed raun og veru byrjar a\u00f0 n\u00e1 til almennings. marka\u00f0ur<\/a> og er a\u00f0 ver\u00f0a hluti af meinstr\u00edminu, a\u00f0 m\u00ednu mati. \u00dea\u00f0 sem vi\u00f0 erum n\u00fa virkilega byrju\u00f0 a\u00f0 sj\u00e1 er a\u00f0 \u00e1ri\u00f0 2021 hef\u00f0bundin fj\u00e1rm\u00e1l<\/a> Fyrirt\u00e6ki geta ekki lengur hunsa\u00f0 Web3 og dulritunargjaldmi\u00f0la, og \u00feetta sj\u00e1um vi\u00f0 l\u00edka hj\u00e1 m\u00f6rgum n\u00fdrri a\u00f0ilum eins og n\u00fdbankum og fj\u00e1rm\u00e1laforritum, sem eru \u00f6ll a\u00f0 hefja vi\u00f0skipti me\u00f0 dulritunargjaldmi\u00f0la \u2013 allt sem \u00feau hugsa n\u00fana er hvernig eigi a\u00f0 innlei\u00f0a n\u00fdjar lei\u00f0ir til a\u00f0 ke\u00f0jukeilur<\/a> t\u00e6kni, dulm\u00e1l e\u00f0a NTFS \u00ed n\u00faverandi vara<\/a> tilbo\u00f0. \u00dea\u00f0 er mj\u00f6g spennandi a\u00f0 sj\u00e1, \u00fear sem \u00feessi \u00fe\u00e1ttur hefur hinga\u00f0 til meira og minna veri\u00f0 hunsa\u00f0ur.\u2019<\/i><\/p>\n

\u2018Fyrir fimm \u00e1rum e\u00f0a jafnvel lengur litu hef\u00f0bundnar fj\u00e1rm\u00e1lastofnanir \u00e1 \u00feetta sem t\u00edmabundi\u00f0 fyrirb\u00e6ri sem myndi hverfa, en n\u00fa erum vi\u00f0 einfaldlega komin \u00e1 \u00feann sta\u00f0 a\u00f0 ekki er h\u00e6gt a\u00f0 hunsa \u00fea\u00f0 lengur. Au\u00f0vita\u00f0 er \u00e9g \u00e1kaflega spenntur \u00e1ri\u00f0 2022 a\u00f0 sj\u00e1 s\u00edfellt fleiri af \u00feessum forritum og notkunartilfellum raunverulega nota DeFi- e\u00f0a crypto-v\u00f6rur \u00ed s\u00ednum eigin forritum.\u2019<\/i><\/p>\n

Sj\u00f3narhorn Przemys\u0142aw Kowalczyk:<\/h3>\n

\u2018Vi\u00f0 erum a\u00f0 byggja v\u00f6rur fyrir fyrirt\u00e6ki sem eru laus vi\u00f0 vefinn og vi\u00f0 h\u00f6fum \u00f3tr\u00falegan v\u00f6xt \u00e1 \u00feessu svi\u00f0i. En \u00e1\u00f0ur en vi\u00f0 kafa d\u00fdpra \u00ed kript\u00f3greiningar og blockchain-\u00fer\u00f3un, vildi \u00e9g bara sn\u00faa aftur a\u00f0 al\u00fej\u00f3\u00f0legum straumum \u00ed hef\u00f0bundnari fintech. Svo, \u00fea\u00f0 eru tveir st\u00f3rir straumar:\u2019 <\/p>\n

\u2018Vi\u00f0 sj\u00e1um almennan f\u00e6rslu \u00ed \u00e1tt a\u00f0 \u00f6\u00f0rum grei\u00f0slua\u00f0fer\u00f0um, s\u00e9rstaklega \u00ed opnum bankastarfsemi<\/a> Grei\u00f0slua\u00f0fer\u00f0ir \u2013 \u00e9g vona a\u00f0 \u00feetta muni gerast. \u00c1skorunin sem felst \u00ed \u00f6\u00f0rum grei\u00f0slua\u00f0fer\u00f0um er s\u00fa a\u00f0 \u00fe\u00e6r eru a\u00f0 grafa undan yfirbur\u00f0um kortagrei\u00f0slna. M\u00e9r finnst a\u00f0 \u00feetta muni ver\u00f0a fr\u00e1b\u00e6rt fyrir neytendur, eins og vi\u00f0 sj\u00e1um \u00ed PSD Open Banking en einnig Blik \u00ed P\u00f3lland<\/a>. \u00deeir geta bo\u00f0i\u00f0 betra Notendaupplifun<\/a> og l\u00e6gri kostna\u00f0. M\u00e9r finnst \u00feetta mj\u00f6g spennandi til lengri t\u00edma liti\u00f0. A\u00f0 \u00f6gra r\u00e1\u00f0andi a\u00f0ila er l\u00edka alltaf gott fyrir neytandann, \u00fev\u00ed vi\u00f0skiptavinurinn f\u00e6r fleiri valkosti, og m\u00e9r finnst jafnframt a\u00f0 dulm\u00e1lsgjaldeyrir geti veri\u00f0 ein af lausnunum, \u00fear sem f\u00f3lk er fari\u00f0 a\u00f0 nota dulm\u00e1l, jafnvel sem grei\u00f0slua\u00f0fer\u00f0, og \u00fea\u00f0 er s\u00e9rstaklega \u00e1hugavert fyrir okkur.\u2019
\n\u2018Vi\u00f0 v\u00ed\u00f0ari a\u00f0gang a\u00f0 bankag\u00f6gnum \u2013 sem hefur einnig aukist vegna almennrar opinnar bankavi\u00f0skipta\u00fer\u00f3unar \u2013 og \u00e9g s\u00e9 l\u00edka \u00fer\u00f3un \u00ed rafr\u00e6num au\u00f0kennum. M\u00e9r finnst Mathias vita meira um \u00fea\u00f0. \u00deetta sn\u00fdst l\u00edka um a\u00f0gang a\u00f0 sta\u00f0festum bankag\u00f6gnum e\u00f0a opinberum g\u00f6gnum. Hva\u00f0 finnst \u00fe\u00e9r um rafr\u00e6n au\u00f0kenni, Mathias?\u2019<\/i><\/p>\n

Mathias Klenk:<\/b> <\/p>\n

\u2018\u00c9g tel a\u00f0 \u00fear sem \u00e9g er \u00ed kjarna \u00feess s\u00e9 \u00feetta eins konar annar straumur sem fellur a\u00f0 \u00fev\u00ed sem vi\u00f0 h\u00f6fum sagt og \u00fe\u00fa getur l\u00edka s\u00e9\u00f0 tengslin \u00fear \u00e1 milli. Bl\u00f3m fintech er einnig bl\u00f3m hreins svika sem eiga s\u00e9r sta\u00f0 \u00ed fintech og net-svika almennt. \u00deetta er eins konar s\u00edfelld kettir-og-m\u00fds-leikur, \u00feannig a\u00f0 svikararnir eru st\u00f6\u00f0ugt a\u00f0 finna upp n\u00fdjar a\u00f0fer\u00f0ir til a\u00f0 sv\u00edkja endanlega notendur. \u00deetta kallar \u00e1 s\u00ednar eigin \u00e1skoranir.<\/i><\/p>\n

Svo held \u00e9g a\u00f0 \u00fea\u00f0 sem 2021 hafi f\u00e6rt fram \u00ed \u00feeirri st\u00f6\u00f0u s\u00e9 a\u00f0, r\u00e9tt eins og \u00f6ll \u00feessi grein var \u00ed bl\u00f3ma, var svindli\u00f0 l\u00edka \u00ed bl\u00f3ma, og \u00e9g held l\u00edka a\u00f0 \u00feetta muni \u00fev\u00ed mi\u00f0ur halda \u00e1fram \u00e1ri\u00f0 2022 \u2013 \u00fea\u00f0 ver\u00f0ur enn\u00fe\u00e1 leikur kattar og m\u00fasar. A\u00f0 lokum \u00fearf a\u00f0 fylgjast vel me\u00f0 hvor \u00f6\u00f0rum, \u00fearf a\u00f0 \u00fer\u00f3a v\u00e9lan\u00e1m<\/a> Algor\u00edtmar til a\u00f0 greina \u00feessi m\u00e1l snemma og halda \u00e1fram a\u00f0 h\u00e6kka vi\u00f0mi\u00f0in fyrir \u00fe\u00e1 sem stunda svindl og svik. L\u00edklega hefur dulm\u00e1lageimurinn alltaf veri\u00f0 sv\u00e6\u00f0i \u00fear sem \u00fearf a\u00f0 fara mj\u00f6g varlega, \u00fear sem svo margt er a\u00f0 gerast \u00fear.\u2019<\/i> <\/p>\n

Przemys\u0142aw Kowalczyk:<\/b> <\/p>\n

\u2018Eitt af helstu \u00e1skorunum okkar er \u00ed raun a\u00f0 berjast gegn svikum og tryggja a\u00f0 vi\u00f0 uppfyllum allar nau\u00f0synlegar regluger\u00f0ir, og Passbase, til d\u00e6mis, hj\u00e1lpar okkur vi\u00f0 \u00fea\u00f0. \u00c9g er samm\u00e1la \u00fev\u00ed sem \u00fe\u00fa sag\u00f0ir um svik; \u00fea\u00f0 er r\u00e9tt a\u00f0 fj\u00f6ldi svikatilrauna og \u00fej\u00f3fna\u00f0ar er a\u00f0 aukast og vi\u00f0 sj\u00e1um \u00feessa \u00fer\u00f3un vaxa og h\u00f6fum mun fleiri verkf\u00e6ri til a\u00f0 berjast gegn henni, en \u00fea\u00f0 er l\u00edka jafnv\u00e6gi \u00ed \u00fev\u00ed hversu vel \u00fe\u00fa getur vernda\u00f0 vi\u00f0skiptavini \u00fe\u00edna og fri\u00f0helgi \u00feeirra. Til a\u00f0 vernda vi\u00f0skiptavini \u00fearftu a\u00f0 safna fleiri g\u00f6gnum og \u00fe\u00fa getur ekki safna\u00f0 fleiri g\u00f6gnum \u00e1n \u00feess a\u00f0 takast \u00e1 vi\u00f0 spurningar um fri\u00f0helgi, en \u00fea\u00f0 er anna\u00f0 m\u00e1l.\u2019<\/i> <\/p>\n

Mathias Klenk:<\/b><\/p>\n

\u2018\u00c9g tel a\u00f0 \u00fea\u00f0 sem mun sm\u00e1m saman byrja a\u00f0 ver\u00f0a enn mikilv\u00e6gara s\u00e9 v\u00e6ntingin um fleiri regluger\u00f0ir sem taka gildi \u00e1ri\u00f0 2022. Svo \u00ed grundvallaratri\u00f0um, \u00fe\u00f3 a\u00f0 \u00fea\u00f0 s\u00e9 spennandi a\u00f0 sj\u00e1 the Fintech-i\u00f0na\u00f0urinn<\/a>, Me\u00f0 v\u00ed\u00f0ara dulm\u00e1lasvi\u00f0i og miklu lausu r\u00fdmi til a\u00f0 bl\u00f3mstra \u00e1 \u00feessum t\u00edmapunkti mun r\u00edkisstj\u00f3rnin einfaldlega innlei\u00f0a strangari reglur. \u00dea\u00f0 gerir \u00fea\u00f0 erfi\u00f0ara fyrir sumar sprotafyrirt\u00e6ki a\u00f0 komast inn \u00e1 \u00fea\u00f0 svi\u00f0. \u00c9g myndi \u00fev\u00ed b\u00faast vi\u00f0 \u00fev\u00ed a\u00f0 \u00e1 komandi \u00e1rum ver\u00f0i strangari reglur e\u00f0a jafnvel fleiri l\u00f6g gegn peninga\u00fev\u00e6tti, \u00fev\u00ed a\u00f0 eins og sta\u00f0an er n\u00fana er dulm\u00e1lasvi\u00f0i\u00f0 n\u00e1nast eins og villta vestrinu, \u00fear sem \u00fe\u00fa tengir bara veski\u00f0 \u00feitt og getur gert alls konar hluti n\u00e1nast \u00e1n nokkurra reglna.\u2019<\/i> <\/p>\n

Przemys\u0142aw Kowalczyk:<\/b><\/p>\n

\u2018J\u00e1, \u00e9g held a\u00f0 vi\u00f0 getum b\u00faist vi\u00f0 strangari regluger\u00f0um \u00e1ri\u00f0 2022, s\u00e9rstaklega \u00e1 dulm\u00e1lasvi\u00f0inu, \u00fev\u00ed eins og \u00fe\u00fa sag\u00f0ir er \u00fea\u00f0 enn eins og villta vestrinu \u00fear og a\u00f0eins inng\u00f6ngu- og \u00fatg\u00f6ngustig eru nokkurn veginn undir reglu. \u00dea\u00f0 er l\u00edka \u00e1hugavert \u00fev\u00ed \u00feessi sko\u00f0un myndi ekki eiga s\u00e9r sta\u00f0 \u00e1n raunverulegrar notkunar, svo notendur eru a\u00f0 nota \u00fea\u00f0 og \u00feess vegna fylgjast regluger\u00f0aryfirv\u00f6ld me\u00f0 \u00feessum forritum. Svo m\u00e9r finnst vera \u00feessi tengsl milli \u00feess sem f\u00f3lk notar og \u00feess sem eftirlitsa\u00f0ilar fylgjast me\u00f0, sem \u00e9g tel vera raunverulega styrkleika raunverulegrar notkunar \u00ed Web3.\u2019<\/i><\/p>\n

NFT, Web3, DeFi \u2013 n\u00fdju krakkarnir \u00e1 blokkinni og t\u00e6kif\u00e6rin sem \u00feeir bj\u00f3\u00f0a<\/h2>\n

Sj\u00f3narhorn Przemys\u0142aw Kowalczyk:<\/h3>\n

\u2018Vi\u00f0 erum a\u00f0 byggja lausnir fyrir \u00f6ll \u00feessi Web3-forrit. Fyrir mig er \u00feessi vaxandi stefna Web3 og almenn meiri notkun blockchain-t\u00e6kni eitthva\u00f0 sem \u00e9g er mj\u00f6g spenntur fyrir, b\u00e6\u00f0i pers\u00f3nulega og faglega. M\u00e9r finnst vi\u00f0 loksins vera komin a\u00f0 \u00fev\u00ed augnabliki a\u00f0 blockchain er a\u00f0 ver\u00f0a almenn, en \u00fea\u00f0 sem er \u00e1hugavert er a\u00f0 \u00fea\u00f0 er a\u00f0 ver\u00f0a vins\u00e6lt ekki undir nafninu blockchain heldur \u00ed raun sem NFT og Web3. \u00deetta s\u00fdnir a\u00f0 raunveruleg notkunarm\u00f6guleiki er til sta\u00f0ar og \u00fev\u00ed hugsa f\u00f3lk til d\u00e6mis um \u00feetta sem: \u2018\u00c9g vil kaupa \u00feetta NFT e\u00f0a spila \u00feennan leik,\u2019 og hugsa ekki um hvernig t\u00e6knin virkar undir yfirbor\u00f0inu, heldur vilja bara nota hana. Og \u00feetta s\u00fdnir a\u00f0 vi\u00f0 erum \u00e1 barmi almennrar \u00fatbrei\u00f0slu.\"<\/i> <\/p>\n

\u2018\u00c9g vildi bara nefna eitt fleira. \u00c9g tel a\u00f0 \u00fea\u00f0 sem ger\u00f0ist \u00ed fyrra og mun \u00fdta undir \u00feessa almennu f\u00edkn s\u00e9 a\u00f0 vi\u00f0 h\u00f6fum loksins fundi\u00f0 lei\u00f0 til a\u00f0 st\u00e6kka blockchain. Eins og \u00fe\u00fa hefur kannski heyrt eru blockchain-vi\u00f0skipti mj\u00f6g kostna\u00f0ars\u00f6m og taka langan t\u00edma, til d\u00e6mis 10 m\u00edn\u00fatur fyrir Bitcoin. Vi\u00f0 h\u00f6fum loksins lausn sem kallast layer 2-lausnir, sem gerir vi\u00f0skipti mun hra\u00f0ari og \u00f3d\u00fdrari og mun leyfa vexti.<\/i> <\/p>\n

Sj\u00f3narhorn Mathiasar Klenk:<\/h3>\n

\u2018\u00c9g held a\u00f0 eitt sem \u00fe\u00fa hefur bent \u00e1 s\u00e9 a\u00f0 \u00e1ri\u00f0 2022 ver\u00f0i \u00e1r lag 2-lausna, \u00fear sem allt Web3-samf\u00e9lagi\u00f0 mun einbeita s\u00e9r a\u00f0 \u00fev\u00ed a\u00f0 st\u00e6kka kerfi\u00f0. \u00cd grundvallaratri\u00f0um eru til tv\u00e6r fylkingar \u2013 Ethereum-max\u00ed-fylkingin sem einbeitir s\u00e9r meira a\u00f0 \u00fev\u00ed hvernig vi\u00f0 getum st\u00e6kka\u00f0 Ethereum me\u00f0 lag 2, og fj\u00f6lke\u00f0jufylkingin sem segir a\u00f0 framt\u00ed\u00f0in liggi \u00ed m\u00f6rgum blokkake\u00f0jum eins og Solana, Avalanche og svo framvegis. Segjum a\u00f0 \u00feau bj\u00f3\u00f0i upp \u00e1 mismunandi m\u00f6guleika og \u00f3d\u00fdrari vi\u00f0skiptakostna\u00f0.\u2019<\/i> <\/p>\n

\u2018Punkturinn sem \u00fe\u00fa nefndir er \u00f3tr\u00falega \u00e1hugaver\u00f0ur. \u00c9g hef veri\u00f0 \u00ed \u00feessum geira \u00ed n\u00e1nast sj\u00f6 e\u00f0a \u00e1tta \u00e1r. \u00c9g hef s\u00e9\u00f0 \u00feessa hringr\u00e1sir gerast \u00e1 nokkurra \u00e1ra fresti, svo \u00e1ri\u00f0 2017 var ICO, \u00e1ri\u00f0 2020 var DeFi, \u00ed fyrra voru \u00fea\u00f0 NFT. \u00cd hvert sinn sem \u00feetta samf\u00e9lag st\u00f3\u00f0 frammi fyrir \u00e1skorunum t\u00f3kst \u00fev\u00ed a\u00f0 yfirst\u00edga \u00fe\u00e6r og f\u00e6ra almenningi n\u00fdja notkunarm\u00f6guleika. Eins og \u00fe\u00fa nefndir, \u00fe\u00e1 eru allt \u00ed einu komnir fram einstaklingar sem snerta \u00feessa t\u00e6kni \u00e1n \u00feess a\u00f0 gera s\u00e9r einu sinni grein fyrir \u00fev\u00ed a\u00f0 um blockchain-t\u00e6kni s\u00e9 a\u00f0 r\u00e6\u00f0a e\u00f0a a\u00f0 \u00feeir s\u00e9u a\u00f0 nota Web3, \u00fev\u00ed \u00feeir vilja einfaldlega kaupa \u00feennan jpeg af apa e\u00f0a \u00feetta safnspil me\u00f0 upp\u00e1haldsf\u00f3tboltamanninum s\u00ednum. \u00deetta er \u00f3tr\u00falega spennandi a\u00f0 sj\u00e1, \u00fev\u00ed \u00e9g tel a\u00f0 st\u00e6rsta hindrunin \u00ed fort\u00ed\u00f0inni hafi veri\u00f0 hversu erfitt \u00fea\u00f0 var fyrir venjulega notendur a\u00f0 setja upp Metamask-veski sem trygg\u00f0i vel pers\u00f3nuvernd \u00feeirra. \u00dea\u00f0 var mj\u00f6g \u00f3gnvekjandi a\u00f0 kaupa Ethereum og rafmynt og senda \u00fea\u00f0 til skr\u00e1<\/a> \u00feegar \u00feeir heyr\u00f0u um allar svindls\u00f6gurnar. \u00deetta er einmitt \u00fea\u00f0 sem Ramp er heppilega \u00feegar a\u00f0 leysa, til a\u00f0 gera kaupin jafn au\u00f0veld og a\u00f0 nota Apple Pay e\u00f0a kreditkort, svo \u00fe\u00fa getir keypt Ethereum og svo \u00feennan NFT.\u2019<\/i> <\/p>\n

Hvernig la\u00f0ar\u00f0u a\u00f0 fj\u00e1rfesta til a\u00f0 fj\u00e1rmagna verkefni\u00f0 \u00feitt \u00e1ri\u00f0 2022?<\/h2>\n

Sj\u00f3narhorn Mathiasar Klenk:<\/h3>\n

\u2018A\u00f0 lokum er fj\u00e1rm\u00f6gnun frekar list en v\u00edsindi, svo \u00fea\u00f0 er ekki au\u00f0velt. \u00cd kjarna \u00fearf a\u00f0 byggja eitthva\u00f0 sem notendur vilja, svo ef \u00fe\u00fa hefur fr\u00e1b\u00e6ra v\u00f6ru e\u00f0a hugmynd og b\u00fdr\u00f0 til eitthva\u00f0 sem notendur vilja og munu nota, munt \u00fe\u00fa e\u00f0lilega f\u00e1 v\u00f6xt \u00ed notkun og fullkomna marka\u00f0slagni. Sam Altman sag\u00f0i einu sinni a\u00f0 \u2018hra\u00f0i endurtekninga s\u00e9 betri sp\u00e1mi a\u00f0 framt\u00ed\u00f0ar\u00e1rangri sprotafyrirt\u00e6kis.\u2019 \u00dev\u00ed meira sem \u00fe\u00fa endurtekur, \u00fev\u00ed meira innlei\u00f0ir \u00fe\u00fa endurgj\u00f6f notenda og \u00fev\u00ed betra ver\u00f0ur v\u00f6ran \u00fe\u00edn og \u00fev\u00ed meiri l\u00edkur eru \u00e1 a\u00f0 \u00fe\u00fa n\u00e1ir snemma samr\u00e6mi v\u00f6ru og marka\u00f0ar.\u2019<\/i><\/p>\n

\u2018A\u00f0 lokum er almenn r\u00e1\u00f0leggingin a\u00f0 vera \u00f6\u00f0ruv\u00edsi en samkeppnisa\u00f0ilar \u00fe\u00ednir, reyna a\u00f0 byggja betri v\u00f6ru \u00ed \u00feeim skilningi og s\u00ed\u00f0an einfaldlega reyna a\u00f0 skara fram \u00far me\u00f0 \u00fev\u00ed a\u00f0 byggja betri v\u00f6ru og \u00f6\u00f0last meiri vi\u00f0t\u00f6ku. Ef \u00fe\u00fa einbeitir \u00fe\u00e9r sannarlega a\u00f0 \u00fev\u00ed a\u00f0 byggja bestu v\u00f6ru sem v\u00f6l er \u00e1 og skila notendum sem mestu gildi, munu fj\u00e1rfestar koma nokku\u00f0 e\u00f0lilega.\u2019<\/i><\/p>\n

Sj\u00f3narhorn Przemys\u0142aw Kowalczyk:<\/h3>\n

\u2018\u00c9g tel a\u00f0 \u00fea\u00f0 sem Mathias nefndi s\u00e9 mikilv\u00e6gast. \u00de\u00fa \u00fearft \u00ed raun fr\u00e1b\u00e6ra v\u00f6ru sem notendur elska og nota. Ef marka\u00f0s- og v\u00f6rusamhengi er til sta\u00f0ar munu fj\u00e1rfestar koma \u2013 \u00fea\u00f0 er nau\u00f0synlegt. A\u00f0 auki \u00fearftu au\u00f0vita\u00f0 a\u00f0 byggja upp fj\u00e1rfestingars\u00f6gu og \u00fatsk\u00fdra hva\u00f0 \u00fe\u00fa vilt \u00ed raun n\u00e1 fram. \u00de\u00fa \u00fearft a\u00f0 s\u00fdna a\u00f0 \u00fe\u00fa hafir r\u00e9ttu f\u00f3lki\u00f0 sem hugsar til langs t\u00edma og er tilb\u00fai\u00f0 a\u00f0 st\u00e6kka fyrirt\u00e6ki\u00f0 og a\u00f0 \u00fea\u00f0 s\u00e9 h\u00e9r til langs t\u00edma. Enn og aftur, \u00fea\u00f0 mikilv\u00e6gasta er a\u00f0 hafa fr\u00e1b\u00e6ra v\u00f6ru.<\/i><\/p>\n

\u2018\u00dea\u00f0 sem mun breytast \u00e1ri\u00f0 2022 er a\u00f0 dagarnir me\u00f0 \u00f3d\u00fdru fj\u00e1rmagni munu l\u00ed\u00f0a. Vextirnir eru h\u00e6rri. \u00c1 einhverjum t\u00edmapunkti munum vi\u00f0 sj\u00e1 minna fj\u00e1rmagn \u00e1 marka\u00f0num. \u00deetta er fr\u00e1b\u00e6r t\u00edmi til a\u00f0 einbeita s\u00e9r a\u00f0 \u00fev\u00ed a\u00f0 byggja, endurtaka og b\u00e6ta v\u00f6runa \u00fe\u00edna. Sl\u00edkt t\u00edmabil pr\u00f3far grunnsto\u00f0ir fyrirt\u00e6kisins \u2013 h\u00f6fum vi\u00f0 \u00ed raun sterka v\u00f6ru og sterka li\u00f0<\/a>? Ef \u00fe\u00fa ert me\u00f0 \u00feetta, \u00fe\u00e1 \u00e6ttir \u00fe\u00fa ekki a\u00f0 hafa \u00e1hyggjur.\u2019<\/i><\/p>\n

Myndbandsupptaka af Bulletproof CTO vefn\u00e1mskei\u00f0i<\/h2>\n

Ef yfirliti\u00f0 okkar heilla\u00f0i \u00feig og efni\u00f0 hentar \u00e1huga \u00fe\u00ednum, skaltu ekki hika vi\u00f0 a\u00f0 horfa \u00e1 uppt\u00f6ku af \u00f6llum erindum okkar \u00fear sem fjalla\u00f0 var um m\u00f6rg fleiri spennandi fintech-efni. \u00de\u00fa finnur myndbandi\u00f0 h\u00e9r a\u00f0 ne\u00f0an, nj\u00f3ttu s\u00fdningarinnar!<\/p>\n