Njira zatsopano zolipirira digito

Chuma, ndalama, ndi momwe timaperekera ndalama zasintha kangapo kuyambira nthawi za Stone Age. Dziko lathu likuchulukirachulukira pa digito, momwemonso kukonza zolipira. Amalonda ndi ogula ali ndi chidwi ndi njira zolipirira zachangu, zotetezeka komanso zosavuta. Izi ndi njira zolipirira digito.

Ndimavuto azaumoyo a 2021, tidamvetsetsa kuti ndalama zatha. Zochita popanda kulumikizana zimafunidwa kwambiri chifukwa kuti tithane ndi vutoli, tiyenera kukhala patali.

Koma ndisanakufotokozereni njira zolipirira zatsopanozi, ndikuuzeni zinthu zingapo zokhudza kulipira kwa digito. Koma musanayambe, apa pali maphunziro apamwamba omwe angakuthandizeni amakulolani kuti mudziwe zinsinsi zonse kuti muchite bwino mu Podcast.

???? Zomwe muyenera kudziwa zokhudza malipiro a digito?

Malipiro a digito nthawi zina amatchedwa malipiro amagetsi kapena digito. Ndiko kusamutsa mtengo kuchokera ku akaunti yolipira kupita ku ina pogwiritsa ntchito chipangizo cha digito. Zida izi zitha kukhala foni yamakono, malo ogulitsa, kompyuta, ndi zina.

Kodi malipiro a mafoni ndi chiyani?

Palibe tanthauzo limodzi, lovomerezeka padziko lonse la malipiro a digito. Malipiro a digito amatha kukhala a digito pang'ono, makamaka digito, kapena digito kwathunthu.

Mwachitsanzo, kulipira pang'ono kwa digito ndi komwe wolipira ndi wolipidwa amagwiritsa ntchito ndalama kudzera mwa othandizira ena, pomwe opereka chithandizo amasamutsira ku banki ya digito kumbuyo.

Kulipira kwenikweni kwa digito kumatha kukhala komwe wolipira amayambitsa kulipira pa digito kwa wothandizila yemwe amamulandira pa digito koma wolipidwa amalandira ndalamazo kuchokera kwa wothandizirayo.

Choncho, tanthauzo liyenera kukhala loyenera ndi cholinga. Kutanthauzira kumodzi kumagogomezera mawonekedwe a olipira-opindula ngati chinthu chofotokozera. Lina limatanthawuza malipiro a digito kutengera chida cholipirira kapena kusintha kwina.

Nkhani yoti muwerenge: Udindo wa mlangizi wazachuma pabizinesi yanu

Zosankha zomasulirazi zimakhala zofunikira makamaka cholinga chake ndikuyerekeza kuchuluka kapena gawo lamalipiro a digito pakagwiritsidwe ntchito. Kutanthauzira kwa malipiro a digito kumatsimikizira momwe amayesedwera.

Ubwino wamalipiro a digito

Mwa kutanthauzira kulikonse, timadziwa zinthu zina motsimikiza. Malipiro a digito amapereka phindu lalikulu kwa anthu, mabizinesi, maboma kapena mabungwe achitukuko apadziko lonse lapansi. Ubwino wopita ku digito ndi monga:

• Kupulumutsa mtengo chifukwa cha kuchuluka kwachangu komanso liwiro.
• Kuwonekera ndi chitetezo kupititsa patsogolo kufufuza ndi kuyankha, potero kuchepetsa katangale ndi kuba.
• Kuphatikizidwa kwachuma pakuwonjezeka mwayi wopeza ntchito zosiyanasiyana zachuma, kuphatikiza maakaunti osungira, ngongole ndi inshuwaransi.
• Kutenga nawo mbali pazachuma kwa amayi kuwapatsa mphamvu zambiri pa moyo wawo wachuma ndi kuwapatsa mwayi waukulu wachuma.
• Kukula kophatikizana. Zopindulitsa zomwe zafotokozedwa pamwambapa zimathandiza kutsegulira mwayi wachuma kwa omwe sali okhudzidwa ndi ndalama komanso kulola kuti ndalama zitheke bwino pazachuma. Pali umboni wamphamvu wamaphunziro pa zomwe zakhudzidwa ndi kufalikira kwa ndalama za digito pakuchepetsa umphawi (onani Jack ndi Suri, 2016) komanso kupititsa patsogolo Zolinga Zachitukuko Chokhazikika.

Monga mwamvetsetsa, malipiro a digito amapereka zabwino zambiri. Zopindulitsa izi zimachokera ku kupititsa patsogolo kuphatikizika kwachuma mpaka kupulumutsa ndalama zogulira ndalama. Tsopano tiyeni tipange njira zolipirira zatsopanozi.

???? Njira zolipirira digito

Njira zosiyanasiyana zolipirira digito zikuyenda masiku ano. Nawa mitundu yolipira yotchuka kwambiri yomwe mungagwiritse ntchito ngati bizinesi.

#1. Zipangizo zokhala ndi kutsimikizika kwa biometric

Makasitomala akupita digito ndi malipiro awo, kuonjezera kufunikira kwa chitetezo. Kutsimikizika kwa Biometric ndi njira yotsimikizira yomwe imagwiritsa ntchito makina ojambulira zala, kuzindikira nkhope, kuzindikira iris, kusanthula kugunda kwamtima, ndi mapu a mitsempha kuti apewe kuba ndi chinyengo.

Pakadali pano, mafoni ambiri okhala ndi zikwama za digito ngati apulo kobiri ndipo Google Pay imagwiritsa ntchito zidindo za zala kapena kuzindikira nkhope. Koma zosankha zowonjezera zili m'ntchito.

Mwachitsanzo, Visa ikuyesa khadi yolipira ya biometric zomwe zidzalola ogwiritsa ntchito kutsimikizira kugulitsako pokhudza sensa pa khadi yomwe imatha kudziwa ngati chala chala chikufanana m'malo molowetsa PIN kapena kusaina risiti.

#2. Malo ogulitsa mafoni

Kukonza zolipirira kosavuta kuyenera kukhala patsogolo pamabizinesi masiku ano. Njira zogulitsira zam'manja ndi mapiritsi, mafoni a m'manja, kapena zida zina zopanda zingwe zomwe zimagwiritsa ntchito pulogalamu ndi owerenga makhadi kuti azilipira ngati cholembera ndalama.

Izi zimapatsa mabizinesi ufulu wochotsa malo olipira apakati ndikuvomera zolipira kuchokera kulikonse m'sitolo yawo, komanso ngakhale kunja. Mwachitsanzo, mutha kutengera njira yanu yolipirira kuwonetsero wamalonda ndi malo ena osapezeka.

Izi popanda kudandaula za momwe mungachitire. Makasitomala amatha kusuntha makhadi awo kuchokera ngongole kapena debit pogwiritsa ntchito chowerengera makhadi cholumikizidwa ku chipangizo chanu ndikugula nthawi yomweyo. Ndi zophweka monga izo.

#3. olankhula anzeru

Malamulo a mawu salinso lingaliro lamtsogolo. Chifukwa cha okamba anzeru monga Kunyumba kwa Google, Apple HomePod ndi Amazon Echo, ogula atha kupereka lamulo lamawu kuti alipire kapena kugula nthawi yomweyo.

Ogula ena amadandaula kuti iyi si njira yabwino kwambiri yogulitsira. Ndi kukula kwamtunduwu m'chizimezime, zikhala zofunikira kukhathamiritsa sitolo yanu yapaintaneti kuti mufufuze ndi mawu kuti bizinesi yanu izindikirike mosavuta kudzera m'zida monga olankhula anzeru.

#4. Malipiro opanda contactless

Pali mapulogalamu osiyanasiyana olipira mafoni omwe amalola ogwiritsa ntchito kusamutsa ndalama. Kugula zinthu, kulipira mabilu ndikuchita pafupifupi mtundu wina uliwonse wamalonda. Zonse pa kukhudza chala. Mwa kupanga akaunti ndikusunga zambiri zolipira pamenepo, kugula katundu ndi ntchito pogwiritsa ntchito foni yam'manja ndikosavuta komanso kosavuta.

Zitsanzo zaukadaulo uwu zikuphatikizapo Venmo, PayPal, Google Pay, Apple Pay ndi Samsung kobiri. Ukadaulo uwu ndi wabwino pakulipira anzawo ndi anzawo. Kulola makasitomala kuti azilipira pakompyuta ndi pulogalamu yawo yam'manja kumapereka mwayi womwe sungathe kufananizidwa. Njira zonse zolipirira izi zimatchedwa zipata zolipira. Onani nkhaniyi kuti mudziwe zambiri za difmitundu yosiyanasiyana ya zipata zolipira

Njira zolipirira popanda kulumikizana zimawononga ndalama. Choyamba, muyenera kugula ma terminals amakhadi omwe ali ndi NFC. Palibe mtengo wolandila Apple Pay ndi Google Pay.

Koma monga ma kirediti kadi ena onse, mitengo ndi zolipiritsa zimagwira ntchito ngati ogula agwiritsa ntchito kirediti kadi kulipirira katundu kapena ntchito m'sitolo yanu. (Zochita izi zimaonedwa ngati zochitika zapakhadi.) Mutha kuyang'ana ndi zanu purosesa mitengo yeniyeniyi.

Ogula ambiri amatembenukira ku njirazi chifukwa amawona kuti ndi njira yotetezeka komanso yachangu. Ndipo, kwa ogula ambiri omwe nthawi zonse amakhala ndi foni m'manja mwawo, ndizosavuta kupeza.

Malipiro osalumikizana nawo samangokhala pama wallet am'manja. Makhadi atsopano a ngongole alinso ndi zida RFID luso amagwiritsidwa ntchito polipira popanda kulumikizana. Pokhala ndi kirediti kadi osalumikizana, makasitomala amangogwira khadiyo pafupi ndi wowerenga makhadi. Safunikanso kusuntha khadi lawo, kuliyika mu chowerengera makhadi, kapena kulijambula molunjika pa terminal.

#5. Zosankha zolipira pama social network

Malo ochezera a pa Intaneti akulitsa mwayi wawo kuti aphatikizepo njira zolipirira monga kutumiza ndalama. Chiwerengero chochulukira cha millennials chikutembenukira kuma media akafuna kugula. Facebook, Instagram, ndi Pinterest onse amapereka maakaunti abizinesi omwe amalola mtundu kugulitsa kwa ogula. Zochita zolipiritsa za digito zimapangidwira mwachindunji patsambalo pamtengo wocheperako.

#6. Malipiro ozindikira nkhope

Malipiro ozindikira nkhope akuyamba kuchitika m'maiko angapo. Zikutheka kuti ndizowonjezera zotchuka kuukadaulo wolipira womwe umagwiritsidwa ntchito kwambiri masiku ano.

Ndi malipiro opanda njirawa akuyamikiridwa chifukwa cha mliri wa coronavirus, malipiro ozindikira nkhope akuchotsedwa. Palibe chifukwa chokhala ndi foni yam'manja, khadi yaku banki kapena chizindikiritso china chilichonse, kapena kuyika PIN. Dongosolo ndi losavuta. Makasitomala amalembetsa kutsatsa kuchokera pafoni yawo.

Kenako jambulani selfie ndi foni yamakono yanu ndikuwonjezera ndalama ku akaunti yanu ya Pop Pay. Pogwiritsa ntchito kirediti kadi kapena akaunti yakubanki, amalipira akaunti yake ya Pop Pay. Ikafika nthawi yolipira chakudya chawo, amayang'ana mu kamera ya piritsi kapena PopID kiosk. Kenako wosunga ndalama amayang'ana dzina lawo ndipo ndalamazo zimachotsedwa muakaunti.

Malipiro ozindikira nkhope amagwiritsidwa ntchito kwambiri ku China. Mu 2019, malo ogulitsa zinthu pafupifupi 1000 adayika njira yolipirira kumaso ndi oposa 100 miliyoni Chinese adalembetsa kuti agwiritse ntchito ukadaulo. Alipay, ntchito yolipira yoyendetsedwa ndi chimphona cha e-commerce Alibaba Group, ndi mdani wake wamkulu Tencent's WeChat Pay, limbikitsa chikhalidwe.

Kodi bizinesi yanu yakonzeka? Izi ndi zina mwa njira zosinthira zolipirira zomwe tili nazo lero. Musanachoke, apa pali maphunziro omwe amakulolani kutero kuchita malonda mu ola limodzi lokha. Dinani apa kuti mugule

Ngati muli ndi nkhawa, ndisiyeni ndemanga.