Neobanks ndikuchepetsa ndalama zamabanki

Mwatopa ndi kulipira ndalama ndalama zochulukira ku banki chaka chilichonse ku banki yanu yachikhalidwe? Njira yothetsera vutoli ndikutengera ma neobanks ndi mabanki apa intaneti.

Pakati pa ndalama zolipirira akaunti, makomiti olowera ndi agios kwa overdraft, wosunga banki wanu wamba samazengereza kubaya akaunti yanu pafupipafupi. Zotsatira: makumi kapena mazana a mayuro omwe amezedwa omwe amachepetsa kwambiri mphamvu yanu yogulira.

Komabe, pali njira zothetsera kuwononga ndalamazi ndikuwongoleranso ndalama zanu. Pokumbatira neobanks ndi 100% mabanki pa intaneti, mutha kusungunula mabanki anu ngati matalala padzuwa.

Dziwani m'nkhaniyi momwe osewera atsopanowa amabanki pa intaneti angachepetsere ndalama zake banki kwambiri. Zikomo zopereka zawo zosinthika ndi mitengo yawo yopikisana kwambiri, palibenso zodabwitsa zosasangalatsa pakutha kwa mwezi ndi wosunga banki wanu wakale.

Finance de Demain imawulula zidule zonse zosinthira machitidwe anu akubanki ndikupanga ndalama zambiri.

Kodi mwakonzeka kusunga ndalama zambiri m'chikwama chanu? Koma tisanayambe, apa pali Kodi mungachotse bwanji ngongole?

Tiyeni tizipita !

🌿 Kodi mumalipira ndalama zingati ku banki?

Ndalama za banki zimatanthawuza ndalama zonse zomwe mabanki amachotsedwa. Zitsanzo izi zatengedwa kuchokera maakaunti a kasitomala, kaya payekha kapena akatswiri. Amalipidwa posinthanitsa ndi ntchito zoperekedwa ndi banki samalira akaunti yamakasitomala.

Chifukwa chake awa ndi ma komisheni omwe alandilidwa kasamalidwe ka akaunti yakubanki. Ndalama zawo zimalipira ntchito zosiyanasiyana zomwe zimachitika monga gawo la kasamalidwe kameneka. Ndalamazi zimalipira makasitomala pawokha komanso akatswiri.

Choyamba, tiyeni tiyang'ane mwachangu paziwongolero zazikulu za banki kuti timvetsere:

• Les ndalama zoyendetsera akaunti, zolipiridwa chaka chilichonse chifukwa choyang'anira akaunti
• Les ma komisheni olowera, yoperekedwa pazochitika zilizonse
• mtengo wokhazikitsa kuyimilira kapena kubwereketsa mwachindunji
• Mtengo wa khadi laku banki, makamaka makadi a debit kapena makhadi a Golide
• ndalama zotumizira cheke ndi malipoti a akaunti yamapepala
• Agios kwa overdraft zosaloledwa kapena zolakwika za akaunti

Kwa chaka chimodzi, ndalamazi zimatha kupitirira ma euro zana m'mabanki achikhalidwe. Yakwana nthawi yoti sungani ndalama!

🌿 Neobanks, funde latsopano la 100% kubanki yam'manja

M'zaka zaposachedwa, oyambitsa 100% akubanki pa intaneti atuluka kuti apereke njira ina yosungira mabanki: awa ndi neobanks. Mphamvu zawo?

Ntchito zamabanki zosinthika kudzera pa foni yam'manja, zolipiritsa zotsika kwambiri komanso kudziwa kwamakasitomala kosavuta.

Nkhani yoti muwerenge: Pangani ndalama mosavuta pa Coinbase

N26, Revolut, Orange Bank, Moni Bank… ma neobanks awa amakumana kupambana kwakukulu ndi achichepere okhala m’mizinda, anapindula mwa kumasuka kwawo kugwiritsiridwa ntchito ndi kutsika kwa mitengo. Tiyeni tione ubwino wa obwera kumenewa.

✔️ Mphamvu za neobanks

• Mitengo yosagonjetseka, ngakhale zoyambira zaulere
• 100% yam'manja: kutsegulira ndi kuyang'anira akaunti pogwiritsa ntchito pulogalamuyi
• Palibe phindu: kupezeka kwa mbiri yonse
• Palibe chindapusa cha akaunti kapena chindapusa cha kirediti kadi
• Zochita zakunja pamtengo wosinthira wa Mastercard
• Kusamutsa pompopompo kwaulere pakati pa ogwiritsa ntchito
• Zosankha zatsopano monga maiwe ogawana

Mwachiwonekere, ma neobanks amapereka a mtengo wabwino kwambiri kuti muzitha kusintha komanso zamakono zamabanki. Chinachake chosangalatsa kwa makasitomala achichepere am'manja.

✔️ Malire oyenera kuwaganizira

Zolonjezadi, ma neobanks ali ndi malire:

• Pang'ono kapena palibe mabungwe akuthupi konse
• Makasitomala amangopezeka pa intaneti kudzera pa macheza kapena imelo
• Zochepa zosungirako ndi zogulitsa
• Khadi yochepetsedwa ndi inshuwaransi yobwereketsa
• Mapulogalamu nthawi zina akadali angwiro pa mfundo zina

Chifukwa chake ma Neobanks ndi oyenera kwambiri ngati akaunti yachiwiri kapena yogwiritsidwa ntchito bwino.

🌿 Mabanki apa intaneti, m'malo mwa mabanki azikhalidwe

Kuphatikiza pa neobanks, 100% mabanki apa intaneti monga Boursorama Banque, ING, Moni Bank, Monabanq ndi njira yosangalatsa yochepetsera ndalama kubanki yanu. Chidule cha mphamvu zawo.

✔️ Chifukwa chiyani musinthira kubanki yapaintaneti?

• des mitengo yopindulitsa : palibe kapena ndalama zochepa zosamalira akaunti
• Network yayikulu ya makina ogulitsa kwaulere
• Mndandanda wathunthu wazinthu zosungira ndi zogulitsa
• Makasitomala omvera kudzera pa imelo, macheza ndi foni
• kasamalidwe 100% digito ngati mukufuna

Mabanki apa intaneti amaphatikiza zotsika mtengo komanso ntchito zambiri. Kugwirizana kwabwino kwa ambiri.

✔️ Kodi kuipa kwa kubanki pa intaneti ndi chiyani?

Komabe, mabanki apa intaneti ali ndi zoletsa zina:

• kwambiri mabungwe ochepa thupi, yomwe ili m’mizinda ikuluikulu
• Nthawi zina mafoni amadikirira nthawi yayitali kuti afikire makasitomala
• Njira zotsegulira akaunti zikadali zovuta
• Zopereka ngongole yocheperako kuposa m'mabanki achikhalidwe
• Ntchito zam'manja sizikhala za ergonomic nthawi zonse

Komabe, maubwino awo pankhani yamitengo amakhalabe osatsutsika poyerekeza ndi ma network achikhalidwe.

🌿 Momwe mungasankhire neobank yanu kapena banki yapaintaneti?

Njira zingapo ziyenera kuphunziridwa mosamala kuti musankhe neobank yanu:

• Fananizani ndi mwatsatanetsatane zomwe amapereka : zaulere, siling'ono, inshuwaransi yogwirizana…
• Onani kudalirika ndi mphamvu zachuma za neobank
• Funani ndemanga zamakasitomala mwatsatanetsatane pamapulogalamu am'manja ndi ntchito zotsatsa pambuyo pake
• Onetsetsani kuti kugwirizana kwa zomwe mwapereka ndi zosowa zanu mwachindunji
• Yesani mapulogalamu anu ndi mayeso aulere
• Onani kumasuka kwa kutumiza deta yanu ngati musintha malingaliro anu

Tengani nthawi yowerenga mfundo izi mwatsatanetsatane kuti mupeze neobank yokhala ndi chiŵerengero chabwino kwambiri chamtengo / mtengo wa mbiri yanu.

🌿 Kusiyana pakati pa neo-banki ndi mabanki apa intaneti

Mabanki a pa intaneti akhala akuzungulira zaka 1990, pomwe ma neobanks adawonekera posachedwa, pambuyo pa 2010. Chifukwa chake mabanki a pa intaneti akhala akugwira ntchito pamsika kwa nthawi yayitali. Iwo apangidwa ndi kubwera kwa intaneti ndi mautumiki apa intaneti.

Neobanks ndi osewera posachedwapa mu mawonekedwe a banki. Awa ndi ma fintech, oyambira omwe amapereka ntchito zamabanki zatsopano. Iwo atha kupezerapo mwayi pa matekinoloje atsopano monga mafoni.

Nkhani yoti muwerenge: Macheke aku banki osiyanasiyana, macheke aumwini ndi macheke ovomerezeka

Mabanki a pa intaneti nthawi zambiri amadalira magulu akuluakulu amabanki. Iwo ali gawo la njira zawo zosiyanasiyana njira zogawa. Mosiyana ndi zimenezi, neobanks ndi mabungwe odziyimira pawokha omwe akufuna kusintha gawo la banki.

Komanso, neobanks ndi kupezeka pa intaneti kokha kudzera m'mapulogalamu am'manja. Ntchito zawo ndi 100% dematerialized. Mabanki ena a pa intaneti akadali ndi nthambi zakuthupi kuwonjezera pa zomwe akupereka kutali.

Neobanks akuyang'ana kuika patsogolo kasitomala wachinyamata, tawuni ndi mafoni. Mabanki apaintaneti amayang'ana pa chandamale chokulirapo, ndi makasitomala azaka zonse ndi mbiri.

Zolinga	Banki yapaintaneti	Neobanks
Tsiku loyambira	Zaka za 1990 📆	Pambuyo pa 2010 📅
kachirombo	Ma subsidiary amagulu akulu aku banki 🏢	Zoyambira paokha 🏗️
kugula	Webusaiti + mapulogalamu am'manja 💻📱	100% mafoni 📱
chandamale	Makasitomala amitundu yonse 👨‍👩‍👧‍👦	Wachichepere ndi wolumikizana 🧑‍💻
Ntchito zosiyanasiyana	Chachikulu: ngongole, ndalama, inshuwaransi… 🏦	Zochepa ku ntchito zatsiku ndi tsiku 💳
mitengo	Ndalama zochepetsedwa 💰	Nthawi zambiri zaulere 🆓
Ntchito yamakasitomala	Foni, imelo, kucheza 📞 💬	Imelo, kucheza 💬

🌿 Pomaliza

Chifukwa cha zopereka zawo zosinthika, mitengo yawo yopindulitsa ndi zawo 100% chidziwitso cha digito, ochita zisudzowa amapangitsa kuti sungani ndalama zambiri poyerekeza ndi mabanki akale.

Tengani nthawi yowunikira zosankha zosiyanasiyana malinga ndi mbiri yanu. Musazengereze kuphatikiza neobanking ndi kubanki pa intaneti kuti musangalale ndi zabwino zonse padziko lapansi. Chinthu chachikulu ndicho kuchoka ku ndondomeko zamtengo wapatali zamabanki akale.

Nkhani yoti muwerenge: Zofunsira kuti mupeze ndalama powonera zotsatsa

Ine inu ndikukhumba kupambana kwakukulu mu kusintha kwa machitidwe akubanki. Khalani omasuka kugawana malingaliro anu mu ndemanga. Chikwama chanu chidzakuthokozani!

Koma musanachoke, nayi Momwe Mungapangire Bizinesi Yosatsutsika