Sisebenza njani isipaji sedijithali?

Isipaji sedijithali sisicelo sesoftware esikuvumela ukuba ugcine uninzi lwezinto onokuthi uzigcine kwisipaji somzimba, kubandakanya nolwazi lwentlawulo olunje debit okanye credit cards, imali, iikhuphoni, amatikiti enqwelomoya, iipasi zebhasi, njl.

Ngokukhula kokuthandwa kwezipaji zedijithali kwihlabathi jikelele, kubalulekile ukujonga ngakumbi ukuba ezi apps zinokubonelela ngantoni.

Yintoni isipaji sedijithali?

Un isipaji sedijithali, ngamanye amaxesha kuthiwa yi-e-wallet, yinkonzo ekuvumela ukuba uhlawulele izinto, ngokuqhelekileyo nge-app yeselula. Ikwagcina inani lezinye izinto ezinokuthi zigcinwe sisipaji semveli. Ezi ziquka izinto ezifana nelayisensi yokuqhuba, amakhadi esipho, amatikiti okuya kwimisitho yolonwabo, njl.

Izipaji zeDijithali azilulanga kuphela ukuzisebenzisa kwezinye iimeko, kodwa zikwabonwa zikhuselekile ngakumbi kunengxowa yemveli.

Zisebenza njani izipaji zedijithali?

Isoftware ye-wallet yeDijithali ngokwesiko isingathwa nge-app ephathwayo kwi-smartphone. Isenokusetyenziswa kwiifomati ezahlukeneyo ezifana nesixhobo esibonakalayo okanye kwikhompyuter yakho. Inguqulelo ye-smartphone yesipaji sedijithali yeyona idumileyo namhlanje ngenxa yokuguquguquka kwayo kunye nokuhamba.

Ezi zipaji zedijithali zihlala zifuna ukuba ukhuphele i-app ye-wallet yedijithali kwi-smartphone yakho. Ezi zinokudalwa yibhanki oyikhethayo okanye nge umntu wesithathu othembekileyo. Qinisekisa ukwenza uphando lwakho kwaye uqinisekise ukuthembeka kwenkampani ngaphambi kokuba unikezele ngolwazi lwakho lwezemali kwisicelo.

Ngokwesiqhelo, kufuneka ufumane i-terminal yenkqubo ye indawo yokuthengisa (POS) iyahambelana newallet yakho yedijithali ukuze ukwazi ukuyisebenzisa. Ngesiqhelo, uya kukwazi ukuyichonga ngesimboli yokungaqhagamshelwa eboniswe ekuphumeni.

Ezinye iinkqubo point-of-yokuthengisa kwakhona ikuvumela ukuba uhlawule usebenzisa iteknoloji ye ukuhanjiswa kwemagnethi ekhuselekileyo. Nangona iintlawulo ezingaqhagamshelwanga zinokuba nzima ukufumana, iinkqubo ezininzi zale mihla zokuthengisa zinokuxhasa iintlawulo ngothumelo olukhuselekileyo lwemagnethi. I-E-wallets isekelwe kubukrelekrele bokwenziwa.

Nje ukuba ufumene inkqubo ye-POS ehambelana ne-wallet app yakho yedijithali, unokumane ubambe i-smartphone yakho ukuya kwindawo yokuthengisa ukuze uhlawule. Ngamanye amaxesha unokuhlawula ngokuthe ngqo nge-app yakho.

Sebenzisa isipaji sedijithali

Isipaji ngasinye sedijithali siza neseti yaso yeempawu ezizodwa. Nangona kunjalo, izipaji ezininzi ziya kukuvumela ukuba udibanise oku kulandelayo:

• Gcina ulwazi lwekhadi letyala kunye nedebhithi ukwenza iintlawulo.
• Yenza utshintshiselwano kwi-intanethi okanye ngokobuqu ngokucofa kanye.
• Thumela kwaye ufumane imali kunye nabahlobo, usapho okanye abaqeshi.
• Gcina imali kwaye urhole ngamanye amaxesha inzala kwiidiphozithi.
• Xhumanisa iakhawunti yemali ukuze uthumele kwaye ufumane imali.
• Gcina ulwazi olungahlawuliyo olufana namatikiti ekonsathi, ukupasa, amakhuphoni, amanqaku okuvuza, njl.
• Thumela, wamkele kwaye ugcine cryptoiingqekembe, njengeBitcoin.

Izibonelelo zesipaji sedijithali

Zininzi iingenelo zokusebenzisa i-wallet yedijithali, kubandakanya ukufikelela ngokulula, ukukhululeka, kunye nokhuseleko xa uthengiselana.

Ukufikelela ngokulula

Ukufikeleleka ngenye yeenzuzo eziphambili zokusebenzisa i-wallet yedijithali. Kukho abantu ehlabathini abangakwaziyo ukufikelela kwinkqubo yezemali yemveli ngendlela yetyala kunye nokukwazi ukuthumela okanye ukufumana imali.

Izipaji zedijithali zivala lo msantsa kwaye zinokubonelela abantu ngokulula ukuthumela nokufumana imali ngaphandle kokuvula iakhawunti yemali. Oku kuvula iingcango zenkqubo yezemali kubantu abaninzi ababengenakukwazi ukufikelela kuyo ngaphambili.

umkhuba

Izipaji zedijithali nazo zinokuba lula ukuzisebenzisa. Uninzi luneeapps eziphathwayo ezikuvumela ukuba uthengiselane kwi-intanethi okanye ngokobuqu ngemizuzwana. Abarhwebi abaninzi bavumela abantu ukuba bahlawule ngempompo kwiifowuni zabo, ngakumbi xa besebenzisa izipaji zedijithali Apple okanye Google Pay.

Bakwanayo nenzuzo eyongeziweyo yokugcina amakhadi akho ecwangciswe kwindawo enye kwaye ungakhumbuli ukuzisa isipaji sakho xa usendleleni, nto leyo eluncedo kakhulu kuthi abadla ngokulibala izipaji zethu xa siphuma endlwini.

Ikhusela ulwazi

Izipaji zedijithali ngokuqhelekileyo zibhekwa njengendlela ekhuselekileyo yokugcina ulwazi lwentlawulo kune-wallet ebonakalayo. Nge-wallet yomzimba, ukuba ulahlekelwe yiyo, iphelile.

Ukuba bekukho imali kwi-wallet, unokucinga ukuba awuyi kuyifumana kwakhona, kwaye kuya kufuneka ucime nawaphi na amakhadi okuthenga ngetyala obunawo apho.

Kwelinye icala, isipaji sedijithali sihlala sikhuselwa kusetyenziswa ikhowudi yokudlula yexesha elinye okanye uqinisekiso lwebhayometriki kwisixhobo sakho esiphathwayo. Ke nokuba ulahlekelwe yifowuni yakho enesipaji sakho sedijithali, umntu uya kufuneka akwazi ukuvula ifowuni yakho kunye ne-app yakho yedijithali ye-wallet, zombini ezinokukhuselwa, ukufumana ukufikelela kulwazi lwakho.

Ukongeza, uninzi lwabanikezeli be-wallet yedijithali bafihla okanye babonise ulwazi lwakho lwezemali xa usenza intengiselwano. Oko kuthetha ukuba akunakwenzeka okanye kunzima kubageli ukuba babe ulwazi lwekhadi lakho letyala okanye ledebhithi.

Izinto ezingalunganga ezinokuthi zibekho kwi-Wallet yeDijithali

Ngaphandle kweenzuzo ezininzi ezinokubakho zokusebenzisa i-wallet yedijithali, ayikho ngaphandle kwayo.

Landela umkhondo iindleko zakho

Enye yezona zinto ziphantsi kakhulu kukukwazi kwababoneleli be-wallet yedijithali ukulandelela ulwazi lwakho lokuthenga. Iinkampani ziyakhuthazwa ukuba ziqokelele iinkcukacha malunga nembali yakho yenkcitho, izinto ozithengileyo, izinto ozithandayo nezingathandwayo.

Umnikezeli ngamnye uya kuba nemithetho eyahlukeneyo malunga nohlobo lolwazi abanokuluqokelela. Ke ngoko kunokuba luncedo ukufunda ushicilelo olucolekileyo xa useka iwalethi yedijithali.

Ayamkelwa zizo zonke iinkampani

Enye i-downside enokuthi isebenzise i-wallet yedijithali kukuba akubona bonke abathengisi abanokwamkela iintlawulo kwi-wallet yedijithali. Amanye amashishini akhetha ukwamkela imali kuphela okanye iitshekhi, yaye abanye abamkela amakhadi basenokungawamkeli iintlawulo ukusuka kwi-wallet yedijithali.

Nangona kunjalo, ekuhambeni kwexesha oku kunokuba ngumba omncinci njengoko izipaji zedijithali zisetyenziswa kakhulu kwaye zamkelwe.

Izipaji zedijithali ezidumileyo kwihlabathi liphela

Ukhuphiswano phakathi kwezipaji zedijithali lubukhali. Abathengi ngoku banokhetho oluninzi olukhoyo kubo. Rhoqo abantu bakhetha isipaji sedijithali esihambelana nohlobo lwesixhobo esiphathwayo abasisebenzisayo.

umzekelo, umntu one-iPhone unokukhawuleza ukuseta i-Apple Pay kwisixhobo sakhe kwaye aqale ukongeza ulwazi lwakhe lokuhlawula. Kungenjalo, abasebenzisi be-Android baya kusebenzisa iGoogle Pay njengoko ihambelana nezixhobo ze-Android. Abathengi baya kuba neendlela ezahlukeneyo zokukhetha kuzo ngokuxhomekeke kwindawo abahlala kuyo.

Ngokomzekelo, I-Alipay yenye yezona zipaji zedijithali zidumileyo eTshayina. IM-Pesa idume kakhulu eAfrika.

Ezinye iiwallet zedijithali ezaziwayo ziquka:

• Venmo
• Hlawula iWalmart
• Pay Pal
• Alipay
• IVodafone M-Pesa
• Imali yeApp
• Apple Pay
• Google Pay
• Samsung Pay

Ngaba izipaji zedijithali zikhuselekile?

Nangona usafuna ukuba nexhala malunga nolwazi lwakho lobuqu, ii-apps ezikhokelayo ze-wallet yedijithali zithathwa ngokuba zikhuselekile. Enyanisweni, zikhuselekile kunokuphatha iinkcukacha zakho zemali kunye namanye amaxwebhu abuthathaka kwisipaji somzimba.

Ukongeza, zonke ii-apps ezithembekileyo ze-wallet yedijithali zifihla ulwazi lwentlawulo lwabasebenzisi bazo. Oku kwenza kube nzima ukuthomalalisa xa ulwazi lugqithiselwa ukusuka kwisicelo ukuya kwinkqubo yokuhlawula.

Oku kunokunceda ukukhusela ulwazi lwakho ukuba umthengisi okanye inkampani oyithengayo inolwazi oluvuzayo okanye i-hack.

Ndishiye uluvo