Neobanks kunye nokucuthwa kwemirhumo yebhanki

Udiniwe kukuhlawula imali Iintlawulo zebhanki ezimbaxa nyaka ngamnye kwibhanki yakho yemveli? Isisombululo kukwamkela i-neobanks kunye neebhanki ze-intanethi.

Phakathi kweentlawulo zokugcinwa kwe-akhawunti, iikhomishini zongenelelo kunye i-agios ye-overdraft, ibhanki yakho yemveli akalibazisi ukugqobhoza rhoqo iakhawunti yakho. Isiphumo: amashumi okanye amakhulu eeuro eziginyiweyo nto leyo enciphisa kakhulu amandla akho okuthenga.

Nangona kunjalo, kukho izisombululo eziphathekayo zokuphelisa le nkcitho yemali kwaye uphinde ulawule imali yakho. Ngokuwola iineobanks kunye 100% iibhanki ze-intanethi, ungazinyibilikisa iintlawulo zakho zebhanki njengekhephu elangeni.

Fumana kweli nqaku ukuba aba badlali batsha kwiibhanki ze-intanethi banokunciphisa njani ibhanki yayo ichitha kakhulu. Ndiyabulela izibonelelo zabo eziguquguqukayo kunye namazinga abo aphezulu okhuphiswano, akusekho nto imangalisayo ekupheleni kwenyanga kunye nomgcini-bhanki wakho wendabuko.

Finance de Demain ityhila onke amaqhinga okutshintsha imikhwa yakho yebhanki kwaye wenze ukonga kakhulu.

Ngaba ukulungele ukugcina imali eninzi kwi-wallet yakho? Kodwa ngaphambi kokuba siqale, nantsi Indlela yokuphuma ematyaleni?

Masihambe !

🌿 Zeziphi iintlawulo zebhanki ekufuneka uzilumkele?

Iintlawulo zebhanki zibhekisa kuzo zonke iimali ezitsalwa yibhanki. Ezi sampuli zithathwe kwi akhawunti abathengi, nokuba kubucala okanye kubuchwephesha. Zitsalwa ngokutshintshiselana ngeenkonzo ezibonelelwa yibhanki ukuze lawula iakhawunti yomthengi.

Ezi ke ngoko iikomishini ezifunyenweyo ulawulo lwe-akhawunti yebhanki. Isixa-mali sabo sihlawulela imisebenzi eyahlukeneyo eyenziwayo njengenxalenye yolu lawulo. Ezi ntlawulo zibandakanya abathengi babucala kunye nabachwephesha.

Okokuqala, makhe sijonge ngokukhawuleza kwiintlawulo zebhanki eziphambili ukuze sinikele ingqalelo:

• Les imirhumo yokulungisa i-akhawunti, ihlawuliswa qho ngonyaka nje ngolawulo lweakhawunti
• Les iikomishini zongenelelo, ehlawuliswa ngentengiselwano nganye ethile
• iindleko zokuseta i-stand order okanye i-debit ngqo
• Iindleko zekhadi lebhanki, ngakumbi idebhithi erhoxisiweyo okanye amakhadi eGolide
• imirhumo yokuthumela incwadi yetshekhi kunye neengxelo zeakhawunti yephepha
• I-Agios ye-overdraft okungagunyaziswanga okanye izitenxo zeakhawunti

Ngaphezu konyaka, ezi ndleko zinokudlula ngokulula i-euro ezilikhulu kwiibhanki zemveli. Lixesha lokuba Gcina imali !

🌿 I-Neobanks, iliza elitsha le-100% yebhanki ephathwayo

Kwiminyaka yakutshanje, abancinci be-100% abaqalayo bebhanki kwi-Intanethi baye bavela ukuba babonelele ngeendlela ezahlukeneyo zokubhankisha: ezi ziineobanks. Amandla abo?

Iinkonzo zebhanki eziguquguqukayo ngesicelo esiphathwayo, imirhumo ephantsi kakhulu kunye namava enziwe lula abathengi.

Inqaku lokufunda: Yenza imali ngokulula kwiCoinbase

N26, Revolut, Orange Bank, Molo Bank... ezi neobanks ziyadibana impumelelo evakalayo nge abantu abaselula abahlala ezixekweni, baphumelela ngenxa yokusebenziseka kwabo ngokulula namaxabiso aphantsi. Makhe sijonge ngakumbi kwiingenelo zaba bafikayo.

✔️ Amandla e-neobanks

• Amaxabiso angenakoyiswa, kwanonikezelo olusisiseko lwasimahla
• 100% ephathwayo: ukuvulwa kweakhawunti kunye nolawulo ngesicelo
• Akukho meko yengeniso: ifikeleleka kuzo zonke iiprofayili
• Akukho ntlawulo yeakhawunti okanye imali yekhadi letyala
• Iintengiselwano zangaphandle ngexabiso le-Mastercard exchange rate
• Udluliselo olukhawulezileyo simahla phakathi kwabasebenzisi
• Iinketho ezintsha ezifana namachibi ekwabelwana ngawo

Ngokucacileyo, ii-neobanks zibonelela nge ixabiso elihle kakhulu lemali ukuze ufumane amava ebhanki aguquguqukayo kunye nanamhlanje. Into enomtsalane kubathengi abancinci beselula.

✔️ Imida emayiqwalaselwe

Ngokuqinisekileyo kuyathembisa, ii-neobanks nangona kunjalo zinemida ethile:

• Kancinci okanye akukho arhente zomzimba kwaphela
• Inkonzo yabathengi ifumaneka kuphela kwi-intanethi ngencoko okanye nge-imeyile
• Uluhlu olulinganiselweyo lokonga kunye neemveliso zotyalo-mali
• Ikhadi elincitshisiweyo kunye ne-inshurensi yentengiselwano
• izicelo ngamanye amaxesha isafezeka kumanqaku athile

IiNeobanks ke ngoko zifaneleke ngakumbi njengeakhawunti yesibini okanye kusetyenziso oluchazwe kakuhle.

🌿 Iibhanki ezikwi-Intanethi, enye indlela kwiibhanki zemveli

Ukongeza kwii-neobanks, i-100% yeebhanki ze-intanethi ezifana ne-Boursorama Banque, ING, i-Molo Bank, i-Monabanq yindlela enomdla yokunciphisa kakhulu iintlawulo zebhanki yakho. Isishwankathelo samandla abo.

✔️ Kutheni utshintshela kwibhanki ye-intanethi?

• des amaxabiso anenzuzo : akukho okanye imali encinci yokugcina iakhawunti
• Inethiwekhi enkulu ye oomatshini bokuthengisa basimahla
• Uluhlu olupheleleyo lokonga kunye neemveliso zotyalo-mali
• Inkonzo yabathengi ephendulayo nge-imeyile, incoko kunye nefowuni
• ulawulo I-100% yedijithali ukuba uyayifuna

Iibhanki ze-Intanethi zidibanisa iindleko eziphantsi kunye neenkonzo ezibanzi. Ulungelelaniso oluhle kakhulu kwabaninzi.

✔️ Ziziphi izinto ezingeloncedo kwibhanki ye-intanethi?

Nangona kunjalo, iibhanki ze-intanethi zinezithintelo ezithile:

• Kakhulu iiarhente zomzimba ezimbalwa, ekwizixeko ezikhulu
• Ngamanye amaxesha ixesha elide lokulinda umnxeba ukufikelela kwinkonzo yabathengi
• Iinkqubo zokuvula iakhawunti zisantsonkothile
• Unikezelo ngetyala elithile elinyiniweyo kuneebhanki zemveli
• Usetyenziso lweselula alusoloko lu-ergonomic kakhulu

Nangona kunjalo, iinzuzo zabo ngokwemirhumo zihlala zingenakuphikiswa xa zithelekiswa nothungelwano lwemveli.

🌿 Ungayikhetha njani i-neobank yakho okanye ibhanki ekwi-intanethi?

Iikhrayitheriya ezininzi kufuneka zifundwe ngononophelo ukukhetha i-neobank yakho:

• Thelekisa kwi iinkcukacha izibonelelo : simahla, iisilingi, i-inshurensi ehambelana nayo...
• Jonga ukuthembeka kunye namandla emali ye-neobank
• Zidibanise uphononongo oluneenkcukacha zabathengi kwizicelo eziphathwayo kunye nenkonzo yasemva kokuthengisa
• Qinisekisa i ukuhambelana nonikezelo kunye neemfuno zakho ethile
• Zivavanyele usetyenziso ngezilingo zasimahla
• Jonga ukukhululeka kokuthumela ngaphandle idatha yakho ukuba utshintsha ingqondo yakho

Thatha ixesha lokufunda la manqaku ngokweenkcukacha ukuze ufumane i-neobank enomgangatho ophezulu / umlinganiselo wexabiso kwiprofayile yakho.

🌿 Umahluko phakathi kwe-neo-banks kunye neebhanki ezikwi-intanethi

Iibhanki ezikwi-Intanethi bezikhona kwiminyaka ye-1990, ngelixa ii-neobanks zivele kakhulu mva nje, emva kowe-2010. Iibhanki ezikwi-Intanethi sele zisebenza ixesha elide kwimarike. Baye baphuhlisa ngokufika kwe-Intanethi kunye neenkonzo ze-intanethi.

IiNeobanks ngabadlali kutsha nje kwimbonakalo yebhanki. Ezi zi-fintechs, iziqalo ezibonelela ngeenkonzo zebhanki ezintsha. Bakwazile ukusebenzisa itekhnoloji entsha efana neselula.

Inqaku eliza kufundwa: Iitshekhi zebhanki zomahluko, iitshekhi zobuqu kunye neetshekhi eziqinisekisiweyo

Iibhanki ezikwi-Intanethi ngokubanzi zixhomekeke kumaqela amakhulu ebhanki emveli. Bayinxalenye ye isicwangciso sabo sokwahlukana amajelo osasazo. Ngokuchaseneyo, ii-neobanks zinjalo izigqeba ezizimeleyo abafuna ukuguqula icandelo leebhanki.

Ngapha koko, ii-neobanks ifumaneka kuphela kwi-intanethi ngokusebenzisa ii-apps eziphathwayo. Iinkonzo zabo ze-100% zidityanisiwe. Ezinye iibhanki ezikwi-Intanethi zisenamasebe ngokwasemzimbeni ukongeza kunikezelo lwazo olukude.

IiNeobanks zijolise into ephambili kumthengi omncinci, idolophu kunye neselula. Iibhanki ezikwi-Intanethi zijolise kwithagethi ebanzi, kunye nabathengi bayo yonke iminyaka kunye neeprofayili.

Iikhrayitheriya	Ukubhankisha kwi-Intanethi	Neobanks
Umhla wokuqalisa	Iminyaka ye-1990 📆	Emva ko2010 📅
isimo	Abancedisi bamaqela amakhulu ebhanki 🏢	Ukuqaliswa okuzimeleyo 🏗️
ufikelelo	Iwebhusayithi + ii-apps eziphathwayo 💻📱	100% ephathwayo 📱
target	Zonke iintlobo zabathengi 👨‍👩‍👧‍👦	Mncinci kwaye uqhagamshelwe 🧑‍💻
Uluhlu lweenkonzo	Enkulu: ikhredithi, ukonga, i-inshurensi… 🏦	Ilinganiselwe kwiinkonzo zemihla ngemihla 💳
rates	Imirhumo eyehlisiwe 💰	Rhoqo simahla 🆓
Inkonzo yomthengi	Ifowuni, i-imeyile, incoko 📞 💬	I-imeyile, ncokola 💬

🌿 Ukuqukumbela

Enkosi kwizibonelelo zabo eziguquguqukayo, amaxabiso abo anenzuzo kunye nabo I-100% yamava edijithali, aba badlali benza ukuba kwenzeke ukuba ukonga kakhulu xa kuthelekiswa neebhanki zemveli.

Thatha ixesha lokuhlalutya iinketho ezahlukeneyo ngokweprofayile yakho. Ungathandabuzi ukudibanisa i-neobanking kunye nebhanki ye-intanethi ukonwabela ezona hlabathi zimbini. Into ephambili kukuba uphume kwiinkqubo ezibizayo zeebhanki zakudala.

Inqaku elifundwayo: Izicelo zokufumana imali ngokubukela iintengiso

mna wena ndinqwenelela impumelelo enkulu kolu tshintsho kwimikhwa yebhanki. Zive ukhululekile ukwabelana ngengxelo yakho kwizimvo. Isipaji sakho siya kukubulela!

Kodwa ngaphambi kokuba uhambe, nantsi Ulenza njani iSibonelelo soShishino esingenakuthintelwa