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Hijira hanyar sadarwar biyan kuɗi ta Amurka, sau biyu

Sharhi

11 min read Via americanexpress.io

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Hijira hanyar sadarwar biyan kuɗi ta Amurka, sau biyu

Ƙaura Cibiyar Biyan Kuɗi ta American Express, Sau Biyu: A Matsayin Jagora a Dabarun Modular

A cikin babban mahimmin tsarin kuɗin duniya, kwanciyar hankali na hanyar sadarwa shine komai. Ga titan kamar American Express, ainihin ra'ayin ƙaura babban hanyar sadarwa ta hanyar biyan kuɗi - injin da ke ba da izinin biliyoyin ma'amaloli a kowace shekara-da alama ba za a yi tsammani ba. Duk da haka, Amex ya yi daidai wannan, ba sau ɗaya ba, amma sau biyu. Na farko, daga cibiyar bayanan gargajiya zuwa gajimare masu zaman kansu, sannan kuma zuwa kayan aikin girgije na jama'a. Wannan ƙaura ninki biyu ya fi nazarin yanayin fasaha; taswirar hanya ce ga duk wani kamfani da ke neman fa'ida ba tare da yin la'akari da dogaro ba. Yana jaddada babban sauyi: juriya ba shine batun gina kagara ba, amma game da ƙirƙirar hazikai, tsarin zamani waɗanda zasu iya tasowa.

Tafiyar Farko: Daga Cibiyar Bayanai zuwa Gajimare Masu Zaman Kansu

Hijira na farko na American Express shine game da samun iko da inganci. Cibiyoyin bayanai na gado, yayin da suke da ƙarfi, galibi suna fama da albarkatu marasa ƙarfi da tsayin lokacin samarwa. Ta ƙaura zuwa ƙaƙƙarfan girgije mai zaman kansa, Amex ya yi niyya don ƙirƙirar yanayi mai sauƙi, daidaitacce na ciki. Wannan yunƙurin ya ba da damar ƙungiyoyin kasuwanci daban-daban don samun damar yin amfani da albarkatun ƙididdiga akan buƙata, yayin da suke kiyaye tsattsauran tsaro da kulawar bin doka da oda don bayanan biyan kuɗi. Ka yi la'akari da shi a matsayin gina na'ura na zamani, masana'anta na mallaka-wanda aka inganta sosai, amma har yanzu mallakarsa kuma ana sarrafa shi gaba ɗaya a cikin gida. Wannan lokaci ya kafa muhimmin ginshiƙi, yana tabbatar da cewa za a iya samun nasarar sake fasalin hanyar sadarwar, tare da sanya kwarin gwiwa ga ƙarin tsattsauran ra'ayi mai zuwa.

Tsarin Dabaru zuwa Gajimare na Jama'a

Hijira na biyu, zuwa ga girgijen jama'a, wani muhimmin jigon buƙatun buƙatun da ba a taɓa ganin irinsa ba. Gajimare mai zaman kansa ya ba da haɓaka, amma gajimare na jama'a ya yi alƙawarin sauyi - samun damar yin amfani da AI, nazari, da abubuwan more rayuwa na duniya waɗanda za su iya haɓaka da ƙarfi yayin manyan abubuwan da suka faru kamar siyayyar hutu. Kalubalen ya kasance mai ban mamaki: matsar da tsarin biyan kuɗi na ainihi, rashin haƙuri tare da rashin haƙuri don raguwa. Amex ya kusanci wannan ba a matsayin "ɗagawa-da-motsawa ba," amma a matsayin sake tsara gine-gine. Sun rushe hanyar sadarwa ta monolithic zuwa microservices, aikace-aikacen kwantena, da kuma ɗaukar ƙirar API-farko. Wannan tsari na yau da kullun ya ba su damar yin ƙaura na abubuwan da suka dace, gwadawa da tabbatar da kowane yanki ba tare da lalata tsarin gaba ɗaya ba.

"Ba kawai mu matsar da cibiyar bayanan mu zuwa gajimare ba; mun sake tunanin duk hanyar sadarwarmu ta hanyar biyan kuɗi don zamanin girgije. Wannan ya ba mu damar yin sabbin abubuwa a cikin saurin da ba zai yiwu ba a baya, "in ji wani jami'in fasaha na Amex.

Maɓalli don Kayayyakin Kasuwancin Zamani

Tafiyar Amex tana ba da darussa masu mahimmanci ga kamfanoni masu girma dabam waɗanda ke tunanin juyin halittar dijital nasu. Babban abubuwan nasara ba kawai game da fasaha ba ne, amma game da falsafa.

  • Tsarin daidaitawa wajibi ne: Karɓar tsarin zuwa nagartattun ayyuka, masu haɗin gwiwa ita ce hanya ɗaya tilo don cimma ƙaura mai sauƙi, ƙaura mai ƙarancin haɗari da ƙarfin gaba.
  • Hybrid a matsayin Dutsen Tako: Hanyar da aka tsara (na sirri, sannan jama'a) na iya rage haɗarin canji da gina ƙwaƙwalwar ƙwayar tsoka.
  • Zero-Downtime Mindset: Tsare-tsare don ci gaba da aiki yana buƙatar ƙwaƙƙwaran ƙira, gudu masu kama da juna, da dabarun jujjuyawa ga kowane bangare.
  • Tsaro da Amincewa ta Ƙira: A cikin masana'antu da aka tsara, waɗannan ba za su iya zama abin tunani ba; dole ne su zama tushen tushe na sabon gine-gine.

Gina Gidauniyar Agile tare da Mewayz

Labarin Amex ya bayyana sarai cewa makomar ayyukan kasuwanci ta zamani ce. Wannan ita ce ainihin falsafar da ke bayanMewayz. Kamar dai yadda Amex ya ƙaddamar da ayyukan biyan kuɗi don samun sassauci, Mewayz yana samar da kasuwanci tare da tsarin aiki na yau da kullun inda manyan ayyuka-CRM, gudanar da ayyuka, sadarwa, da i, biyan kuɗi — suna aiki azaman haɗaɗɗun kayayyaki masu zaman kansu. Wannan yana nufin zaku iya haɓakawa, ƙaura, ko maye gurbin damar kasuwanci guda ɗaya ba tare da haifar da mummunan sarkar da ke faruwa a duk aikinku ba. Ko kuna haɗa sabon ƙofar biyan kuɗi ko ƙaura bayanan bayanan ku zuwa sabon sabis na girgije, yanayinMewayzyana ba ku ikon sarrafawa, sassauƙar matakin-bangaren abin da ya sa Amex ta ƙaura sau biyu nasara. A cikin shimfidar wuri na yau, juriya shine ƙarfin hali, kuma ana haifar da ƙarfin hali daga ƙirar ƙira.

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Tambayoyin da ake yawan yi

Ƙaura Cibiyar Biyan Kuɗi ta American Express, Sau Biyu: Jagoran Jagora a Dabarun Modular

A cikin babban mahimmin tsarin kuɗin duniya, kwanciyar hankali na hanyar sadarwa shine komai. Ga titan kamar American Express, ainihin ra'ayin ƙaura babban hanyar sadarwa ta hanyar biyan kuɗi - injin da ke ba da izinin biliyoyin ma'amaloli a kowace shekara-da alama ba za a yi tsammani ba. Duk da haka, Amex ya yi daidai wannan, ba sau ɗaya ba, amma sau biyu. Na farko, daga cibiyar bayanan gargajiya zuwa gajimare masu zaman kansu, sannan kuma zuwa kayan aikin girgije na jama'a. Wannan ƙaura ninki biyu ya fi nazarin yanayin fasaha; taswirar hanya ce ga duk wani kamfani da ke neman fa'ida ba tare da yin la'akari da dogaro ba. Yana jaddada babban sauyi: juriya ba shine batun gina kagara ba, amma game da ƙirƙirar hazikai, tsarin zamani waɗanda zasu iya tasowa.

Tafiyar Farko: Daga Cibiyar Bayanai zuwa Gajimare Masu Zaman Kansu

Hijira na farko na American Express shine game da samun iko da inganci. Cibiyoyin bayanai na gado, yayin da suke da ƙarfi, galibi suna fama da albarkatu marasa ƙarfi da tsayin lokacin samarwa. Ta ƙaura zuwa ƙaƙƙarfan girgije mai zaman kansa, Amex ya yi niyya don ƙirƙirar yanayi mai sauƙi, daidaitacce na ciki. Wannan yunƙurin ya ba da damar ƙungiyoyin kasuwanci daban-daban don samun damar yin amfani da albarkatun ƙididdiga akan buƙata, yayin da suke kiyaye tsattsauran tsaro da kulawar bin doka da oda don bayanan biyan kuɗi. Ka yi la'akari da shi a matsayin gina na'ura na zamani, masana'anta na mallaka-wanda aka inganta sosai, amma har yanzu mallakarsa kuma ana sarrafa shi gaba ɗaya a cikin gida. Wannan lokaci ya kafa muhimmin ginshiƙi, yana tabbatar da cewa za a iya samun nasarar sake fasalin hanyar sadarwar, tare da sanya kwarin gwiwa ga ƙarin tsattsauran ra'ayi mai zuwa.

Tsarin Dabaru zuwa Gajimare na Jama'a

Hijira na biyu, zuwa ga girgijen jama'a, wani muhimmin jigon buƙatun buƙatun da ba a taɓa ganin irinsa ba. Gajimare mai zaman kansa ya ba da haɓaka, amma gajimare na jama'a ya yi alƙawarin sauyi - samun damar yin amfani da AI, nazari, da abubuwan more rayuwa na duniya waɗanda za su iya haɓaka da ƙarfi yayin manyan abubuwan da suka faru kamar siyayyar hutu. Kalubalen ya kasance mai ban mamaki: matsar da tsarin biyan kuɗi na ainihi, rashin haƙuri tare da rashin haƙuri don raguwa. Amex ya kusanci wannan ba a matsayin "ɗagawa-da-motsawa ba," amma a matsayin sake tsara gine-gine. Sun rushe hanyar sadarwa ta monolithic zuwa microservices, aikace-aikacen kwantena, da kuma ɗaukar ƙirar API-farko. Wannan tsari na yau da kullun ya ba su damar yin ƙaura na abubuwan da suka dace, gwadawa da tabbatar da kowane yanki ba tare da lalata tsarin gaba ɗaya ba.

Mahimman Hanyoyi don Kayayyakin Kasuwancin Zamani

Tafiyar Amex tana ba da darussa masu mahimmanci ga kamfanoni masu girma dabam waɗanda ke tunanin juyin halittar dijital nasu. Babban abubuwan nasara ba kawai game da fasaha ba ne, amma game da falsafa.

Gina Gidauniyar Agile tare da Mewayz

Labarin Amex ya bayyana sarai cewa makomar ayyukan kasuwanci ta zamani ce. Wannan shine ainihin falsafar da ke bayan Mewayz. Kamar dai yadda Amex ya ƙaddamar da ayyukan biyan kuɗi don samun sassauci, Mewayz yana samar da kasuwanci tare da tsarin aiki na yau da kullun inda manyan ayyuka-CRM, gudanar da ayyuka, sadarwa, da i, biyan kuɗi — suna aiki azaman haɗaɗɗun kayayyaki masu zaman kansu. Wannan yana nufin zaku iya haɓakawa, ƙaura, ko maye gurbin damar kasuwanci guda ɗaya ba tare da haifar da mummunan sarkar da ke faruwa a duk aikinku ba. Ko kuna haɗa sabuwar hanyar biyan kuɗi ko ƙaura bayanan bayanan ku zuwa sabon sabis na girgije, yanayin Mewayz yana ba ku sassaucin matakin sarrafawa, matakin sassa wanda ya sa Amex ta ƙaura sau biyu nasara. A cikin shimfidar wuri na yau, juriya shine ƙarfin hali, kuma ana haifar da ƙarfin hali daga ƙirar ƙira.

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