Kodi chikwama cha digito chimagwira ntchito bwanji?

Chikwama cha digito ndi pulogalamu yamapulogalamu yomwe imakulolani kusunga zinthu zambiri zomwe mungasunge mu chikwama chakuthupi, kuphatikiza zambiri zolipirira monga. kirediti kadi kapena kirediti kadi, ndalama, makuponi, matikiti a ndege, ziphaso zamabasi, ndi zina zotero.

Ndi kutchuka kwa ma wallet a digito padziko lonse lapansi, ndikofunikira kuyang'anitsitsa zomwe mapulogalamuwa amapereka.

Kodi chikwama cha digito ndi chiyani?

Un chikwama cha digito, yomwe nthawi zina imatchedwa e-wallet, ndi ntchito yomwe imakulolani kulipira zinthu, nthawi zambiri kudzera pa pulogalamu ya m'manja. Imasunganso zinthu zina zingapo zomwe chikwama chachikhalidwe chimasunga. Izi zikuphatikizapo zinthu monga layisensi yoyendetsa, makadi amphatso, matikiti opita ku zochitika zosangalatsa, ndi zina zotero.

Ma wallet a digito sizosavuta kugwiritsa ntchito nthawi zina, komanso nthawi zambiri amawonedwa ngati otetezeka kuposa chikwama chachikhalidwe.

Kodi ma wallet a digito amagwira ntchito bwanji?

Pulogalamu ya digito ya Wallet nthawi zambiri imakhala ndi pulogalamu yam'manja pa foni yam'manja. Itha kugwiritsidwanso ntchito m'mitundu yosiyanasiyana monga chipangizo chakuthupi kapena pakompyuta yanu. Mtundu wa smartphone wa chikwama cha digito ndiwotchuka kwambiri masiku ano chifukwa cha kusinthasintha kwake komanso kuyenda.

Ma wallet awa amafunikira kuti mutsitse pulogalamu ya chikwama cha digito ku smartphone yanu. Izi zitha kupangidwa ndi banki yomwe mwasankha kapena mwa munthu wina wodalirika. Onetsetsani kuti mwachita kafukufuku wanu ndikutsimikizira kudalirika kwa kampaniyo musanapereke zidziwitso zanu zachuma ku pulogalamu.

Nthawi zambiri, muyenera kupeza system terminal ya malo ogulitsa (POS) yogwirizana ndi chikwama chanu cha digito kuti mutha kuchigwiritsa ntchito. Nthawi zambiri, mudzatha kuzindikira ndi chizindikiro chopanda kulumikizana chomwe chikuwonetsedwa potuluka.

Njira zina zogulitsira mfundo zimakulolani kulipira pogwiritsa ntchito ukadaulo wa chitetezo maginito kufala. Ngakhale kulipiritsa popanda kulumikizana kungakhale kovuta kupeza, njira zambiri zamakono zogulitsa zimatha kuthandizira kulipira kudzera pa maginito otetezedwa. Ma wallet amapangidwa ndi luntha lochita kupanga.

Mukapeza pulogalamu ya POS yomwe imagwirizana ndi pulogalamu yanu yachikwama ya digito, mutha kungogwira foni yanu yam'manja mpaka kugulitsa kuti mulipire. Nthawi zina mutha kulipira mwachindunji kudzera pa pulogalamu yanu.

Gwiritsani ntchito chikwama cha digito

Chikwama chilichonse cha digito chimabwera ndi zida zake zapadera. Komabe, ma wallet ambiri amakulolani kuphatikiza zotsatirazi:

• Sungani zambiri za kirediti kadi ndi kirediti kadi kuti mulipire.
• Pangani zochitika pa intaneti kapena pamaso panu ndikudina kamodzi.
• Tumizani ndi kulandira ndalama ndi anzanu, abale kapena olemba ntchito.
• Sungani ndalama ndikupeza nthawi zina chiwongola dzanja pa madipoziti.
• Lumikizani akaunti yazachuma kuti mutumize ndikulandila ndalama.
• Sungani zambiri zosalipira monga matikiti akonsati, ziphaso, makuponi, malo olipira, ndi zina.
• Tumizani, landirani, sungani cryptomakobidi, monga Bitcoin.

Ubwino wa chikwama cha digito

Pali zabwino zambiri zogwiritsa ntchito chikwama cha digito, kuphatikiza kupezeka kosavuta, kumasuka, komanso chitetezo pochita malonda.

Kufikira kosavuta

Kufikika ndi chimodzi mwamaubwino ogwiritsira ntchito chikwama cha digito. Pali anthu padziko lapansi omwe alibe mwayi wopeza ndalama zachikhalidwe mwanjira yangongole komanso kuthekera kotumiza kapena kuti alandire ndalama.

Ma wallet a digito amatsekereza kusiyana kumeneku ndipo amatha kupatsa anthu mwayi wotumizira ndikulandila ndalama mosavuta popanda kutsegula akaunti yazachuma. Izi zimatsegula zitseko za ndondomeko ya zachuma kwa anthu ambiri omwe sakanakhala nawo kale.

mchitidwe

Ma wallet a digito amathanso kukhala osavuta kugwiritsa ntchito. Ambiri ali ndi mapulogalamu am'manja omwe amakupatsani mwayi wochita zinthu pa intaneti kapena pamasom'pamaso. Amalonda ambiri amalola anthu kulipira ndi bomba pafoni yawo, makamaka akamagwiritsa ntchito ma wallet a digito Apple kapena Google Pay.

Amakhalanso ndi phindu lowonjezera la kusunga makhadi anu pamalo amodzi komanso osakumbukira kubweretsa chikwama chanu pamene muli paulendo, zomwe zimakhala zopindulitsa kwa ife omwe timayiwala zikwama zathu pochoka panyumba.

Kuteteza zambiri

Ma wallet a digito nthawi zambiri amawonedwa ngati njira yotetezeka kwambiri yosungira zidziwitso zamalipiro kuposa chikwama chakuthupi. Ndi chikwama chakuthupi, ngati mutaya, yapita.

Ngati munali ndalama m'chikwamacho, nthawi zambiri mumatha kuganiza kuti simungabweze, ndipo mudzayenera kuletsa makhadi aliwonse omwe mudakhala nawo kumeneko.

Kumbali ina, chikwama cha digito nthawi zambiri chimatetezedwa pogwiritsa ntchito passcode ya nthawi imodzi kapena kutsimikizika kwa biometric pa foni yanu yam'manja. Kotero ngakhale mutataya foni yanu yomwe ili ndi chikwama chanu cha digito, wina adzafunika kutsegula foni yanu ndi pulogalamu yanu ya chikwama cha digito, zonse zomwe zingatetezedwe, kuti mupeze chidziwitso chanu.

Kuphatikiza apo, ambiri opereka chikwama cha digito amabisa kapena kuyika zidziwitso zanu zachuma mukamachita malonda. Zomwe zikutanthauza kuti zingakhale zosatheka kapena zovuta kwa obera kukuberani zambiri za kirediti kadi kapena kirediti kadi.

Zoyipa Zomwe Zingachitike pa Chikwama cha Digital

Ngakhale pali maubwino ambiri ogwiritsira ntchito chikwama cha digito, sichikhala ndi zovuta zake.

Tsatani ndalama zanu

Chimodzi mwazovuta zazikulu ndikutha kwa opereka chikwama cha digito kuti azitsata zomwe mwagula. Makampani amalimbikitsidwa kuti atolere zambiri za mbiri yanu yakugwiritsa ntchito ndalama, zomwe mwagula, zomwe mumakonda komanso zomwe simukonda.

Wopereka aliyense adzakhala ndi malamulo osiyanasiyana okhudzana ndi mtundu wa chidziwitso chomwe angatole. Zingakhale zothandiza kuwerenga zolemba zabwino pokhazikitsa chikwama cha digito.

Osavomerezedwa ndi makampani onse

Choyipa chinanso chogwiritsa ntchito chikwama cha digito ndikuti si amalonda onse omwe angavomereze kulipira kuchokera ku chikwama cha digito. Mabizinesi ena amasankha kungovomereza ndalama kapena macheke, ndipo ena amene amalandira makhadi sangavomereze malipiro kuchokera ku chikwama cha digito.

Komabe, pakapita nthawi izi zitha kukhala zovuta chifukwa ma wallet a digito akugwiritsidwa ntchito kwambiri ndikuvomerezedwa.

Ma wallet otchuka a digito padziko lonse lapansi

Mpikisano pakati pa ma wallet a digito ndi wowopsa. Ogula tsopano ali ndi njira zambiri zomwe angasankhe. Nthawi zambiri anthu amasankha chikwama cha digito chomwe chimagwirizana ndi mtundu wa foni yomwe amagwiritsa ntchito.

Mwachitsanzo, wina yemwe ali ndi iPhone amatha kukhazikitsa Apple Pay pazida zawo ndikuyamba kuwonjezera zambiri zolipira. Kapenanso, ogwiritsa ntchito a Android nthawi zambiri amagwiritsa ntchito Google Pay chifukwa imagwirizana ndi zida za Android. Ogula adzakhalanso ndi zosankha zosiyanasiyana zomwe angasankhe malinga ndi komwe akukhala.

Mwachitsanzo, Alipay ndi imodzi mwama wallet otchuka kwambiri ku China. M-Pesa ndiyodziwika kwambiri ku Africa.

Ma wallet ena odziwika bwino a digito ndi awa:

• Venmo
• Pay Walmart
• Malipiro
• Alipay
• Vodafone M-Pesa
• App Cash
• apulo kobiri
• Google Pay
• Samsung kobiri

Kodi ma wallet a digito ndi otetezeka?

Ngakhale mukufunikirabe kuda nkhawa ndi zambiri zanu, mapulogalamu otsogola a chikwama cha digito amawonedwa kuti ndi otetezeka. M'malo mwake, mwina ndi otetezeka kuposa kunyamula zidziwitso zanu zachuma ndi zikalata zina zachinsinsi m'chikwama chakuthupi.

Kuphatikiza apo, mapulogalamu onse odalirika a chikwama cha digito amabisa zambiri zamalipiro a ogwiritsa ntchito awo. Izi zimapangitsa kuti zikhale zovuta kunyengerera pamene chidziwitso chisamutsidwa kuchokera ku pulogalamu kupita ku njira yolipira.

Izi zingathandize kuteteza zambiri zanu ngati wogulitsa kapena kampani yomwe mumagulako ili ndi chidziwitso chotayirira kapena kuthyolako.

Ndisiyireni ndemanga