Ko te whakaurunga o ngā tāngata o ngā pūkenga me ngā reanga katoa he mea tino nui ki te whakaurunga o ngā otinga haumaru. Heoi, kua ngaro kē atu i te nuinga o te wā.
Hei ako atu mō te whakaurunga hei mātāpono hoahoa, me kōrero tahi a Justin Fox, te Kaiwhakahaere o te Hangarau Pūmanawa mō PaymentsJournal me te tūāpapa NuData a NuData Security, a Dave Senci, te Tumuaki Tuarua o te Whakawhanaketanga Hua, Mastercard, te Tumuaki Tuarua o te Whatunga me ngā Otinga Matauranga, me Tim Sloane, te Tumuaki Tuarua. Ko te rōpū auaha utu o te Mercator Consulting Group.
E rua ngā raruraru noa e puta ake ana i ngā wā o ngā whakataunga haumarutanga me te manatoko tuakiri ko te pūkenga me te whakahāwea i te tau.
"Ina kōrero ahau mō te pūkenga, ko te tikanga o taku kōrero ko te whakahāweatia o tētahi i roto i tētahi hangarau nā tōna kaha ki te whakamahi i ngā taputapu ā-tinana," te kī a Senci.
Ko tētahi mea hei maumahara mō ēnei momo aukati, he mea rangitahi, he mea ā-whaiaro rānei, hei tauira, nā te mea kāore e taea e te hunga kāore e taea te uru atu ki te Ipurangi, kāore e taea e rātou te uru atu ki te Ipurangi. Ka taea hoki e ēnei te noho pumau, pērā i te hunga kāore e taea te whai wāhi ki te tautuhi koiora mā te whakamahi i ngā tapumati nā te kore o te ringa.
He maha ngā tāngata e pāngia ana e ngā āheinga ā-tūranga me ngā āheinga tuturu. Kotahi hautoru o ngā Amerikana e hokohoko ana i runga ipurangi, ā, kotahi hauwhā o ngā pakeke he hauātanga.
He mea noa hoki te whakahāwea i te tau. "Pērā i te arotahi a te kaha ki te aukati i ngā āheinga tinana o te tangata, ka arotahi te whakahāwea i te tau ki te aukati i te taumata o te mātauranga hangarau e pā ana ki ngā rōpū tau," te tāpiri a Fox.
Ki te whakatauritea ki te hunga rangatahi, he ngawari ake te hunga kaumātua ki te takahi haumarutanga, ki te tahae tuakiri rānei i a rātou e ora ana, ā, ka nui ake tō rātou mataara me te tūpato i te wā e whakamahi ana i ngā taputapu katoa.
"I konei, he nui te auahatanga e hiahiatia ana hei urutau ki ēnei whanonga, me te whakarite kia kore e ngaro tetahi rōpū tau," te kī a Fox. "Ko te mea nui i konei ko te āhua o te manaaki i tētahi i runga ipurangi me te āhua o tā tātou manatoko me te taunekeneke ki a rātou kaua e wehewehe i a rātou mā ō rātou pūkenga, mā ō rātou rōpū tau rānei."
I te nuinga o te wā, ko te aukati te hua ohorere o te kore whakaaro ki ngā rerekētanga ahurei o te tangata i roto i te hoahoa hua. Hei tauira, he maha ngā whakahaere e whakawhirinaki ana ki ngā tikanga manatoko e whakawhirinaki ana ki ngā āhuatanga ā-tinana me te koiora. Ahakoa ka taea e tēnei te whakapai ake i te wheako kaiwhakamahi me te utu mō te nuinga o te taupori, ka aukati katoa i ētahi atu.
Ina hoki, tata ki te hauwhā (23%) o ngā Amerikana he iti iho i te $30,000 te whiwhinga moni ā-tau, kāore he waea atamai. Tata ki te haurua (44%) kāore he ratonga whānui i te kāinga, he rorohiko tuku iho rānei (46%), ā, ko te nuinga o te tangata kāore he rorohiko papa. He rerekē, he tata noa te kitea o ēnei hangarau i roto i ngā whare he $100,000 te iti rawa o te whiwhinga moni.
I roto i ngā otinga maha, ka mahue iho ngā pakeke hauā tinana. I te Hononga o Amerika, tata ki te 26,000 ngā tāngata ka ngaro ā-tinana ō rātou waewae o runga i ia tau. I te taha o ngā mate rangitahi me ngā mate āhuahanga pērā i te whatiwhatinga, ka piki ake tēnei tau ki te 21 miriona tāngata.
Hei tāpiritanga, ko te nuinga o ngā mōhiohio whaiaro e tonoa ana e ngā ratonga ipurangi kāore e hiahiatia ana. He taunga ake ngā taiohi ki te tuku i ā rātou mōhiohio whaiaro, engari he iti ake te hiahia o ngā kaumātua. Ka taea e tēnei te arahi ki te kino o te ingoa me te wheako kaiwhakamahi kino mō ngā pakeke e kohikohi ana i te pāme, te tukino, te mahi uaua rānei.
Kei te horapa whānuitia hoki te aukati ira tangata kore-rua. "Kāore au i te kite i tētahi mea e whakarihariha ake ana i tētahi kaiwhakarato ratonga i roto i te āhua o te ira tangata e tuku ana i ngā kōwhiringa rua anake," te kī a Fox. "Nō reira, e te rangatira, e te wahine, e te tākuta rānei, ehara ahau i te tākuta, engari koinei te momo ira tangata kāore au i te tino pai, nā te mea kāore i roto i a rātou ngā Kōwhiringa Mx," tā rātou tāpiri.
Ko te taahiraa tuatahi ki te wetewete i ngā mātāpono hoahoa motuhake ko te mōhio ki tō rātou noho. Ina mōhiotia, tera pea ka puta he ahunga whakamua.
"Ina mōhio koe ki te [whakakorenga], ka taea e koe te mahi tonu me te maumahara ki ngā otinga [kei te hangaia] me te pānga whānui o te otinga, kia taea ai e koe te whakarite kia noho hei kaupapa matua i roto i te whakaoti rapanga." Fox. "Hei kaiwhakahaere hangarau pūmanawa me te kaiako, ka taea e au te kī me te kore he āwangawanga ko ia wāhanga o te whakaoti rapanga ka tīmata i te huarahi i hangaia tuatahitia ai e koe te otinga."
Mā te whai wāhi mai o ngā tāngata rerekē ki te tīma hangarau ka tere ake te tautuhi me te whakatika i ngā raruraru hoahoa. I tāpiri atu rātou: "Ko te tere o tā mātou whakarerekē i tā mātou huarahi, (ko te tere) ka whakarite mātou kia whai whakaarohia ngā momo wheako tangata."
Ina iti te kanorau o te tīma, ka taea te whakamahi i tētahi atu tikanga: arā, ngā kēmu. He rite tēnei ki te tono i te tīma hoahoa kia tuhi i ngā tauira o ngā here ā-tinana, ā-pāpori, me te wā o te rā, ka whakarōpū i aua here, kātahi ka whakamātautau i te otinga me te whakaaro ki ēnei here.
I mea atu a Sloan: "Ki taku whakaaro ka kite tātou i tēnei kaha ki te tautuhi i ngā tāngata takitahi ka pai haere, ka whānui haere te whānuitanga, ā, ka taea hoki te whai whakaaro ki ēnei momo take katoa."
Haunga te whakapiki i te mōhiotanga, he mea nui kia mōhio ko te haumarutanga me te ngāwari o te whakamahi ehara i te mea he otinga kotahi mō te katoa. I kī a Senci: "Hei karo i te kohikohi i te katoa ki roto i tētahi rōpū nui, engari kia mōhio he ahurei tō ia tangata, tō ia tangata." "Hei neke atu ki tētahi otinga maha-paparanga, engari mō ngā kaiwhakamahi anō hoki. Kei te whakaratohia ngā kōwhiringa."
He rite tēnei ki te whakamahi i te manatoko koiora kore mahi hei manatoko i ngā tāngata takitahi i runga i ō rātou whanonga hītori me te ahurei, me te whakakotahi hoki i tēnei ki te mātauranga taputapu me te tātari whanonga, kaua ki te waihanga i tētahi otinga kotahi e whakawhirinaki ana ki te matawai tapumati, ki ngā kupuhipa kotahi rānei.
"I te mea he ahurei tō tātou katoa, he aha e kore ai e tūhuratia te whakamahinga o tēnei ahurei hei manatoko i tō tātou tuakiri?" tana whakatau.