Chikwama chedhijitari chinoshanda sei?

Chikwama chedhijitari isoftware application iyo inokutendera kuti uchengete zvakawanda zvezvinhu zvaungachengeta muchikwama chenyama, kusanganisira ruzivo rwekubhadhara senge. debit kana makadhi echikwereti, mari, makuponi, matikiti endege, mabhazi, nezvimwe.

Nekukurumbira kuri kuita kwemawallet edhijitari pasi rese, zvakakosha kuti titarise zvakanyanya izvo maapplication aya anopihwa.

Chii chinonzi digital wallet?

Un digital chikwama, dzimwe nguva inonzi e-wallet, ibasa rinokutendera kubhadhara zvinhu, kazhinji kuburikidza neapp mobile. Inochengetawo zvimwe zvinhu zvakati wandei zvingagarwa nechikwama chechinyakare. Izvi zvinosanganisira zvinhu zvakaita serezinesi rekutyaira, makadhi ezvipo, matikiti ezviitiko zvevaraidzo, nezvimwe.

Digital wallet haisi nyore kushandisa mune dzimwe nguva, asi inowanzoonekwa yakachengeteka kupfuura yechinyakare wallet.

Madhijitari wallet anoshanda sei?

Digital wallet software inogara ichiitwa kuburikidza nenharembozha app pane smartphone. Inogona zvakare kushandiswa mune akasiyana mamwe mafomati senge mudziyo wenyama kana pakombuta yako. Iyo smartphone vhezheni yedhijitari wallet ndiyo inonyanya kufarirwa nhasi nekuda kwekushanduka kwayo uye kufamba.

Aya mawallet edhijitari anowanzoda kuti iwe utore dhijitari wallet app kune yako smartphone. Izvi zvinogona kugadzirwa nebhangi raunosarudza kana ne munhu wechitatu anovimbwa naye. Iva nechokwadi chekuita tsvakiridzo yako uye simbisa kuvimbika kwekambani usati wapa ruzivo rwako rwemari kune chikumbiro.

Kazhinji, iwe unofanirwa kutsvaga system terminal ye nzvimbo yekutengesa (POS) inoenderana nechikwama chako chedhijitari kuti ugone kuishandisa. Kazhinji, iwe unozokwanisa kuzvizivisa nechiratidzo chekusabatika chinoratidzwa pakubuda.

Dzimwe nzvimbo-yekutengesa masisitimu zvakare inobvumidza iwe kubhadhara uchishandisa tekinoroji ye yakachengeteka magnetic transmission. Kunyangwe hazvo kubhadhara kwemahara kungave kwakaoma kuwana, mazhinji emazuva ano ekutengesa masisitimu anogona kutsigira kubhadhara kuburikidza nemagineti yakachengeteka transmission. E-wallets yakavakirwa pahuchenjeri hwekugadzira.

Kana uchinge wawana POS system inoenderana neyako yedhijitari wallet app, unogona kungobata smartphone yako kusvika pakutengesa kuti ubhadhare. Dzimwe nguva unogona kubhadhara zvakananga kuburikidza neapp yako.

Shandisa chikwama chedhijitari

Imwe neimwe dhijitari wallet inouya neyayo seti yeakasarudzika maficha. Nekudaro, akawanda wallet achakubvumidza kusanganisa zvinotevera:

• Chengetedza ruzivo rwekadhi rechikwereti uye rechikwereti kuti ubhadhare.
• Ita kutengeserana pamhepo kana iwe pachako nekudzvanya kamwe chete.
• Tumira uye ugamuchire mari neshamwari, mhuri kana vashandirwi.
• Chengeta mari uye uwane dzimwe nguva mhindu pamadhipoziti.
• Batanidza account yemari kutumira uye kugamuchira mari.
• Sevha ruzivo rwusiri rwekubhadhara senge matikiti emakonsati, mapasi, makuponi, mapoinzi emibairo, nezvimwe.
• Tumira, gamuchira uye chengeta cryptomari, zvakadai seBitcoin.

Benefits yedigital wallet

Kune akawanda mabhenefiti ekushandisa dhijitari wallet, kusanganisira kuwana nyore, nyore, uye chengetedzo paunenge uchitengesa.

Kuwana nyore

Kuwanika ndeimwe yemabhenefiti makuru ekushandisa dhijitari wallet. Kune vanhu munyika vasingakwanise kuwana hurongwa hwemari yechinyakare nenzira yechikwereti uye kugona kutumira kana kuwana mari.

Digital wallets inovhara gap iri uye inogona kupa vanhu mukana nyore kutumira uye kugamuchira mari pasina kuvhura account yemari. Izvi zvinovhura mikova yehurongwa hwemari kune vanhu vazhinji vangadai vasina kuiwana kare.

tsika

Digital wallets inogona zvakare kuve nyore kushandisa. Vazhinji vane nharembozha dzinokutendera kuti uite pamhepo kana mumunhu mumasekonzi. Vatengesi vazhinji vanobvumira vanhu kubhadhara nepombi pafoni yavo, kunyanya kana vachishandisa wallet yedhijitari Apple kana Google Pay.

Ivo zvakare vane bhenefiti yakawedzerwa yekuchengeta makadhi ako akarongeka munzvimbo imwechete uye kusafanira kurangarira kuunza chikwama chako paunenge uchifamba, izvo zvinonyanya kubatsira kune avo vedu vanowanzokanganwa zvikwama zvedu kana tabuda mumba.

Inodzivirira ruzivo

Digital wallets inowanzoonekwa senzira yakachengeteka yekuchengetedza ruzivo rwekubhadhara pane chikwama chemuviri. Nechikwama chemuviri, kana ukairasa, yaenda.

Kana paine mari muchikwama, iwe unogona kazhinji kufunga kuti hauchaidzosa, uye pamwe uchatofanira kukanzura chero makadhi echikwereti awaive nawo ipapo.

Nekune rimwe divi, chikwama chedhijitari chinowanzo chengetedzwa uchishandisa imwe-nguva pascode kana biometric authentication panharembozha yako. Saka kunyangwe ukarasikirwa nefoni yako ine chikwama chako chedhijitari, mumwe munhu anozoda kukwanisa kuvhura foni yako uye yako yedhijitari chikwama app, zvese zvingave zvakachengetedzwa, kuti uwane ruzivo rwako.

Pamusoro pezvo, vazhinji vedhijitari wallet vanopa encrypt kana tokenize yako ruzivo rwemari kana iwe waita kutengeserana. Zvinoreva kuti hazvigoneke kana kuomera matsotsi kubira ruzivo rwako rwekiredhiti kana kiredhiti kadhi.

Zvinogona Kukanganisa Digital Wallet

Pasinei nezvakawanda zvingave zvikomborero zvekushandisa dhijitari wallet, haisi pasina zvipingamupinyi zvayo.

Tarisa mari yako

Imwe yeakanyanya kudzika pasi kugona kwedhijitari wallet vanopa kuronda ruzivo rwako rwekutenga. Makambani anokurudzirwa kuunganidza data nezve nhoroondo yako yekushandisa, kutenga, zvaunofarira uye zvausingade.

Mumwe nemumwe mupi anozove nemitemo yakasiyana maererano nerudzi rweruzivo rwavanokwanisa kuunganidza. Saka zvinogona kubatsira kuverenga iyo yakadhinda yakadhindwa paunenge uchigadzira chikwama chedhijitari.

Hazvibvumirwi nemakambani ese

Chimwe chinogona kuderera chekushandisa chikwama chedhijitari ndechekuti havasi vatengesi vese vanogona kugamuchira mubhadharo kubva muchikwama chedhijitari. Mamwe mabhizinesi anosarudza kugamuchira mari chete kana macheki, uye vamwe vanogamuchira makadhi vangasagamuchira kubhadhara kubva muchikwama chedhijitari.

Nekudaro, nekufamba kwenguva izvi zvinogona kuita zvishoma zvenyaya sezvo mawallet edhijitari anowedzera kushandiswa uye kugamuchirwa.

Madhijitari wallet ane mukurumbira pasi rese

Makwikwi pakati pemadhijitari wallet anotyisa. Vatengi ikozvino vane zvakawanda zvingasarudzwa kwavari. Kazhinji vanhu vanosarudza chikwama chedhijitari chinoenderana nerudzi rwenharembozha yavanoshandisa.

Semuyenzaniso, mumwe munhu ane iPhone anogona kukurumidza kuseta Apple Pay pane yavo kifaa uye otanga kuwedzera yavo yekubhadhara ruzivo. Neimwe nzira, vashandisi veAndroid vanowanzo shandisa Google Pay sezvo ichienderana nemidziyo yeAroid. Vatengi vanozovewo nesarudzo dzakasiyana dzekusarudza kubva zvichienderana nekwavanogara.

Somuenzaniso, Alipay ndeimwe yeanonyanya kufarirwa dhijitari wallet muChina. M-Pesa inonyanya kufarirwa muAfrica.

Mamwe mamwe anozivikanwa edhijitari wallet anosanganisira:

• Venmo
• Pay Walmart
• Bhadhara Pal
• Alipay
• Vodafone M-Pesa
• App Cash
• Apple Pay
• Google Pay
• Samsung Pay

Mawallet edhijitari akachengeteka here?

Kunyangwe iwe uchiri kuda kunetseka nezve ruzivo rwako pachako, iyo inotungamira yedhijitari wallet maapplication anoonekwa zvakanyanya akachengeteka. Muchokwadi, ivo vangangove vakachengeteka pane kutakura ruzivo rwako rwezvemari uye mamwe magwaro anonzwisisika muchikwama chenyama.

Pamusoro pezvo, ese akavimbika edhijitari chikwama maapplication akasimba encrypt ruzivo rwekubhadhara vashandisi vavo. Izvi zvinoita kuti zviome kukanganisa kana ruzivo rwatamiswa kubva pachikumbiro kuenda kuhurongwa hwekubhadhara.

Izvi zvinogona kubatsira kuchengetedza ruzivo rwako kana mutengesi kana kambani yaunotenga kubva ine ruzivo rwakaburitswa kana kubira.

Ndisiirewo mhinduro