Nzira itsva dzekubhadhara dzedhijitari

Hupfumi, mari, uye mabatiro atinoita mubhadharo zvakachinja zvakati wandei kubva panguva dzeStone Age. Nyika yedu iri kuramba ichiwedzera dhijitari, uye ndizvo zviri kuitawo kubhadhara. Mabhizinesi nevatengi vanofarira nzira dzekubhadhara dzinokurumidza, dzakachengeteka uye dziri nyore. Idzi ndidzo nzira dzekubhadhara dzedhijitari.

Nedambudziko rehutano ra2021, takanzwisisa kuti mari haichashandi. Mabatiro asingabatike anodiwa zvakanyanya nekuti kuti tigadzirise zvirinani dambudziko rehutano iri, tinofanira kuenda kure.

Asi ndisati ndakusuma kune idzi nzira nyowani dzekubhadhara, rega ndikuudze zvinhu zvishoma nezvekubhadhara kwedhijitari. Asi usati watanga, heino premium yekudzidziswa iyo ichaita inokutendera iwe kuziva zvese zvakavanzika kuti ubudirire muPodcast.

???? Chii chekuziva nezve digital kubhadhara?

Mubhadharo wedhijitari dzimwe nguva unonzi mubhadharo wemagetsi kana wedhijitari. Iko kutamisa kukosha kubva kune imwe account yekubhadhara kuenda kune imwe uchishandisa mudziyo wedhijitari. Midziyo iyi inogona kunge iri smartphone, poindi yekutengesa, komputa, nezvimwe.

Chii chinonzi mobile payment?

Iko hakuna imwe, inogamuchirwa pasi rose tsananguro yedhijitari kubhadhara. Kubhadhara kwedhijitari kunogona kuita chikamu chedhijitari, kunyanya dhijitari, kana dhijitari yakazara.

Semuyenzaniso, muripo wedhijitari ndeuyo apo mubhadhari nemubhadharo vanoshandisa mari kuburikidza nevamiriri vebato rechitatu, nevapeji vari kuita mabhanga edhijitari kumashure.

Kunyanya kubhadhara kwedhijitari kunogona kuve iyo iyo mubhadhari anotanga kubhadhara nedhijitari kune mumiririri anoigamuchira nedigital asi mubhadharo anogashira mubhadharo nemari kubva kumumiririri iyeye.

Naizvozvo, tsananguro yacho inofanirwa kuenderana nechinangwa. Imwe tsananguro inosimbisa iyo mubhadhari-mubatsiri interface sechinhu chinotsanangura. Imwe inotsanangura mubhadharo wedhijitari zvichibva pane chiridzwa chekubhadhara kana chimwe chinosiyana.

Nyaya yekuverenga: Basa remupi wemazano wezvemari kubhizinesi rako

Idzi sarudzo dzetsanangudzo dzinonyanya kukosha kana chinangwa chiri chekufungidzira nhamba kana chikamu chemari yedhijitari mukushandisa. Tsanangudzo yekubhadharwa kwedhijitari inosarudza kuti vanoyerwa sei.

Zvakanakira kubhadhara kwedhijitari

Nezve chero tsanangudzo, tinoziva zvimwe zvinhu zvechokwadi. Kubhadhara kwedhijitari kunopa mabhenefiti akakosha kune vanhu, mabhizinesi, hurumende kana masangano ebudiriro epasi rose. Zvakanakira kuenda digital zvinosanganisira:

• Kuchengetedza mari nekuda kwekuwedzera kwekuita uye nekukurumidza.
• Kujeka uye kuchengeteka kuvandudza kucherechedzwa nekuzvidavirira, nokudaro kuderedza huori nehumbavha.
• Kubatanidzwa kwemari nekuwedzera kuwana kune akasiyana masevhisi emari, anosanganisira maakaundi ekuchengetedza, kiredhiti uye zvigadzirwa zveinishuwarenzi.
• Kupinda kwevakadzi mune zveupfumi kuvapa kutonga kwakawanda pamusoro pehupenyu hwavo hwemari uye kuvapa mikana yakakura yehupfumi.
• Kuwedzera kunosanganisira kukura. Zvikomborero zvinotsanangurwa pamusoro apa zvinobatsira kuzarura mikana yehupfumi kune vasina mari uye inobvumira kufamba kwakanyatsonaka kwezviwanikwa muhupfumi. Pane humbowo hwakasimba hwedzidzo pamabatiro ekutambirwa kwakapararira kwekubhadhara kwedhijitari mukuderedza urombo (ona Jack naSuri, 2016) uye nekufambisira mberi Zvinangwa zveSustainable Development.

Sezvaunonzwisisa, kubhadhara kwedhijitari kunopa akawanda mabhenefiti. Mabhenefiti aya anotangira pakukurumidza kubatanidzwa kwemari kusvika pakuchengetedza mari yekutengeserana kwemari. Zvino ngatigadzirirei nzira dzekubhadhara kutsva uku.

???? Digital nzira yekubhadhara

Dzakasiyana nzira dzekubhadhara dzedhijitari dziri kufamba nhasi. Heano mamwe emhando dzekubhadhara dzinonyanya kufarirwa kuita sebhizinesi.

#1. Midziyo ine biometric authentication

Vatengi vari kuenda kudhijitari nemari yavo, vachiwedzera kudiwa kwekuchengetedza. Biometric authentication inzira yekusimbisa iyo inoshandisa mafingerprint scanner, kuzivikanwa kwechiso, kuziva iris, kuongorora kurova kwemoyo, uye mepu yetsinga kudzivirira kubiwa kwekuzivikanwa uye chitsotsi.

Parizvino, mafoni mazhinji ane dhijitari wallet akafanana Apple Pay uye Google Pay inoshandisa zvigunwe kana kuzivikanwa kumeso. Asi dzimwe sarudzo dziri mumabasa.

Semuyenzaniso, Visa iri kuyedza kadhi rekubhadhara biometric iyo inobvumira vashandisi kutendesa kutengeserana nekubata sensor pane kadhi iyo inogona kuona kana chigunwe chinoenderana panzvimbo yekupinda PIN kana kusaina risiti.

#2. Mobile point of sale

Kugadzirisa kubhadhara kuri nyore kunofanirwa kuve kwekutanga kwekutanga kumabhizinesi nhasi. Nharembozha nzvimbo-yekutengesa masisitimu mahwendefa, mafoni, kana zvimwe zvipenga zvisina waya zvinoshandisa app uye kadhi kuverenga kugadzirisa kubhadhara sereji remari.

Izvi zvinopa mabhizinesi rusununguko rwekubvisa nzvimbo yepakati yekubhadhara uye kugamuchira mubhadharo kubva chero kupi muchitoro chavo, uye kunyangwe kunze kwenzvimbo. Semuenzaniso, unogona kutora yako yekubhadhara system kune yekutengeserana show uye dzimwe nzvimbo dzekunze.

Izvi pasina kunetseka kuti uchaita sei kutengeserana. Vatengi vanogona kutsvaira makadhi avo kubva chikwereti kana debit uchishandisa chiverengero chekadhi chakabatana kune chako kifaa uye tenga ipapo ipapo. Zviri nyore saizvozvi.

#3. vatauri vakangwara

Mirairo yezwi haisisiri pfungwa yeramangwana. Kutenda kune vatauri vakangwara vakadai Imba yeGoogle, Apple HomePod uye Amazon Echo, vatengi vanogona kupa izwi rekuraira kuita kubhadhara nekukurumidza kana kutenga.

Vamwe vatengi vanonetsekana kuti iyi haisiyo nzira yakachengeteka yekutenga. Nekukura kwerudzi urwu pakatarisana, zvichave zvakakosha kukwirisa chitoro chako chepamhepo chekutsvaga izwi kuitira kuti bhizinesi rako rionekwe zviri nyore kuburikidza nemidziyo senge vatauri vakangwara.

#4. Muripo usingabatike

Kune akasiyana siyana ekubhadhara nharembozha anobvumira vashandisi kutamisa mari. Kutenga zvigadzirwa, kubhadhara mabhiri uye kuita chero imwe mhando yekutengeserana kwemari. Zvese pakubata kwemunwe. Nekugadzira account uye kuchengetedza ruzivo rwako rwekubhadhara ipapo, kutenga zvinhu nemasevhisi uchishandisa mbozha nhare kunokurumidza uye nyore.

Mienzaniso yeiyi tekinoroji inosanganisira Venmo, PayPal, Google Pay, Apple Pay uye Samsung Pay. Aya matekinoroji akanakira kubhadhara-kune-vezera kubhadhara. Kubvumira vatengi kubhadhara zvemagetsi nefoni yavo app kunopa zviri nyore izvo zvisingakwanisi kuenzaniswa. Nzira dzese dzekubhadhara idzi dzinodanwa magedhi ekubhadhara. Tarisa chinyorwa ichi kuti udzidze zvimwe nezve difmarudzi akasiyana ekubhadhara magedhi

Nzira dzekubhadhara dzisingabatike dzinounza mari. Kutanga, iwe unozofanirwa kutenga NFC-inogonesa kadhi terminals. Iko hakuna muripo wekugamuchira Apple Pay neGoogle Pay.

Asi sezvimwe zvese zvekuchinjana kwekadhi rechikwereti, mitengo uye mubhadharo unoshanda kana vatengi vachishandisa kadhi rechikwereti kubhadhara zvinhu kana masevhisi pachitoro chako. (Aya matransaction anoonekwa seakadhi-present transactions.) Unogona kutarisa neyako processor mitengo chaiyo iyi.

Vatengi vazhinji vanotendeukira kune idzi nzira nekuti vanonzwa iri sarudzo yakachengeteka uye nekukurumidza. Uye, kune vatengi vazhinji vanogara vaine foni yavo mumaoko, zviri nyore kuwana.

Kubhadhara kusingabatike hakungogumiri kune mobile wallet. Iwo makadhi matsva echikwereti anewo zvakare RFID tekinoroji inoshandiswa kubhadhara pasina contactless. Nekadhi rechikwereti risina kuonana, vatengi vanongobata kadhi pedyo nemuverengi wekadhi. Ivo havachadi kutsvaira kadhi ravo, kuiisa muverengi wekadhi, kana kutomboibaya pakatarisana neiyo terminal.

#5. Social media kubhadhara sarudzo

Ma social network akawedzera kusvika kwavo kuti abatanidze mhinduro dzekubhadhara dzakadai sekutumira mari. Huwandu hwakawandisa hwemamireniyumu vari kutendeukira kune vezvenhau kana vachitsvaga kutenga. Facebook, Instagram, uye Pinterest zvese zvinopa mabhizinesi maakaundi anobvumira mabrand kuti atengese kune vatengi. Digital kubhadhara kutengeserana kunoitwa zvakananga pane saiti nemari shoma.

#6. Kubhadhara kwekuzivikanwa kwechiso

Kubhadhara kwekuzivikanwa kwechiso kuri kutanga kuitika munyika dzakawanda. Vanogona kunge vari kuwedzera kwakakurumbira kune inotakurika yekubhadhara tekinoroji iyo yava kushandiswa zvakanyanya.

Nekubhadhara kwekusabatika uku kuri kufarirwa nekuda kwedenda re coronavirus, kubhadhara kwekuzivikanwa kwechiso kuri kutanga. Iko hakuna chikonzero chekuve nesmartphone, kadhi rebhangi kana chero imwe nzira yekuzivikanwa, kana kutoisa PIN. Iyo system iri nyore. Mutengi anosaina kupihwa kubva parunhare rwake.

Wobva watora selfie ne smartphone yake uye pakupedzisira anowedzera mari kuPop Pay yake account. Achishandisa kadhi rechikwereti kana kuti account yekubhangi, anopa mari account yake yePop Pay. Kana yasvika nguva yekubhadhara kudya kwavo, vanotarisa mukamera yehwendefa kana PopID kiosk. Ipapo cashier anotarisa zita ravo uye mari inobviswa kubva kuaccount.

Kubhadhara kwekuzivikanwa kwechiso kunonyanya kushandiswa muChina. Muna 2019, zvimwe zvitoro zvinosvika chiuru zvakaisa nzira yekubhadhara kumeso uye vanopfuura mamiriyoni 100 Chinese vakanyoresa kushandisa tekinoroji. Alipay, iyo yekubhadhara sevhisi inoshandiswa ne-e-commerce hofori Alibaba Group, uye mukwikwidzi wayo mukuru Tencent's WeChat Pay, wedzera maitiro.

Bhizinesi rako ragadzirira here? Aya ndiwo mamwe maitiro ekubhadhara echimurenga atinawo nhasi. Usati waenda, heino dzidziso inokubvumira kuti uite tenzi kutengesa muawa imwe chete. Dzvanya pano kuti uitenge

Kana muine zvirikunetsa, ndisiyei mhinduro.