Ukwenziwa kwedijithali kwicandelo leebhanki

Ngelixa ubhubhane wenze idijithali iyimfuneko Kwicandelo leebhanki, uninzi lweebhanki kunye namaziko emali sele ethathe amanyathelo kweli cala kwiminyaka yakutshanje. Iibhanki ezininzi sele ziqalile ukubandakanya idijithali kwinkonzo yazo yokunikezelwa kwenkonzo.

Enyanisweni, i-digitalization kukuguqulwa kwedatha kwifomathi yedijithali kunye nokwamkelwa kobuchwepheshe. I-digitalization yebhanki inciphisa iimpazamo zabantu kwaye ngoko yomeleza ukunyaniseka kwabathengi.

Enyanisweni, ukwamkelwa kwedijithali kubaluleke kakhulu kwicandelo lebhanki. Ngokwamkela idijithali, iibhanki zinokubonelela ngeenkonzo eziphuculweyo zabathengi. Oku kubonelela ngeenzuzo kubathengi kwaye konga ixesha.

Namhlanje, abantu banokufikelela iibhanki 24/24 enkosi kwiinkonzo zebhanki kwi-intanethi. Ukulawula imali eninzi nako kuye kwaba lula. Ukwenziwa kwedijithali kukwancede abathengi ngokuququzelela iintengiselwano ezingenamali.

Abathengi akusekho mfuneko yokuba bagcine imali kwaye banokuthengiselana naphi na, nangaliphi na ixesha. Kodwa kuqala, ukuba ufuna ukwenza imali nge 1XBET ngaphandle kutyalo mali, cofa apha ukwenza iakhawunti yakho kwaye uxhamle kwi-50 FCFA ukuqalisa. Ikhowudi yokuthengisa: argent2035

🥀 Yintoni idijithi yebhanki?

La ukwenziwa kwedijithali imele inguqu yedijithali, igama elicebisa ukwenza izinto ngokwahlukileyo, ngenjongo yokwenza ngcono. Sithetha ngotshintsho olusisiseko kwindlela ibhanki esebenza ngayo kwaye inikezela ngexabiso kubathengi.

Iqhinga lokwenyani ledijithali libandakanya itekhnoloji, abantu, iinkqubo kunye nendlela izinto ezenziwa ngayo. Kuhlala kukho into yetekhnoloji kwidijithali yedijithali, kodwa uhambo lukwafuna ukuguqula inkcubeko yombutho webhanki.

Ngedijithali yebhanki, abantu balindelwe ukwamkela itekhnoloji entsha kwaye uqhelane neendlela ezintsha zokusebenza. Oku kunokuba luqili, abantu badume ngokuxhathisa ukuguquka.

Utshintsho lwedijithali kwiibhanki lunyanzela iibhanki zabo bonke ubukhulu ukuba zingxamele ukwamkela ubugcisa obutsha kunye neenkonzo kuwo onke amanqanaba. Kodwa inguqu yedijithali ithetha ntoni ngokwenene kwicandelo lebhanki?

Inguqu yedijithali yebhanki Uninzi lwalo lubandakanya ukutshintshela kwi-intanethi kunye neenkonzo zedijithali, kunye nenani elikhulu lotshintsho olufunekayo ukuxhasa olu tshintsho.

Ukuze uphumelele, izizathu kunye neenzuzo zenguqu kufuneka zicaciswe kulo lonke umbutho. “Imephu yendlela” kufuneka yaziswe kwaye kunikwe uqeqesho oluyimfuneko noqeqesho. Nazi izinto eziphambili zempumelelo kwibhanki yedijithali.

🥀 Izinto eziphambili kwimpumelelo yebhanki yedijithali

Inguqu yedijithali yebhanki ukubhankisha kukuvumela ukuba wenze uhambo oluhambelanayo nolobuqu lomthengi wedijithali.

Ukudala uhambo lomthengi wedijithali kuthetha ukuthatha amanyathelo okudibanisa yonke into kwiqonga elilodwa le-intanethi ukuze umthengi aphathwe esebenzisa izixhobo ezifanayo, ngamanye amaxesha ngabantu abafanayo, kunye nolwazi olufanayo kuyo yonke inkqubo.

Apha, izenzo ezinjengokutshintsha umbutho weqela, ukudibanisa amagcisa kumaqela okuthengisa, kunye nokudibanisa ukuthengisa kunye nokuthengisa kwiqela elinye kunokunceda kakhulu. Ukuphumelela kwidijithali, nantsi into ekufuneka sisebenze kuyo:

✔ Ukuchaza kwakhona amava omthengi

Ngaphezu kwako konke, beka abathengi kunye neemfuno zabo kuqala ukwenza izisombululo ezizinzileyo. Iibhanki kufuneka ziqwalasele ukudala ngokubambisana kunye nabathengi rhoqo kwaye rhoqo ngexesha lokuphila kwesindululo.

✔ Yamkela umbono wokuqala weselula

Ukusuka kwiibhanki ezingaqhagamshelwanga ukuya kwiakhawunti ye-intanethi, abathengi balindele ukuba iimveliso kunye neenkonzo zifikeleleke kwizixhobo eziphathwayo, nangaliphi na ixesha. Namhlanje, iibhanki zisebenzisa imodeli yedijithali kuphela kwaye zinika abathengi babo uluhlu olupheleleyo lweenkonzo zebhanki kwii-smartphones (Barnes, 2015).

Ngale ndlela, iibhanki ziqinisa indima yazo yeengcebiso zabathengi ngokusasazwa kwezicelo zonxibelelwano ezifana ne-WhatsApp, i-Skype, njl. Baqinisa ukusebenzisana kwabo nabathengi babo ngokusebenzisa iziteshi ze-intanethi (i-Japparova kunye ne-Rupeika-Apoga, i-2017).

✔ Phuhlisa isicwangciso somntu wedatha

Ukwakha izisombululo kuthetha ukwazi ukuba yeyiphi idatha onayo, yeyiphi idatha oyifunayo, yeyiphi imibuzo oyifunayo ukuyibuza loo datha, kunye nendlela yokutolika iimpendulo. Ukudityaniswa kweeseti zedatha ezikhoyo kubalulekile.

Enyanisweni, iibhanki zanamhlanje zinedatha eninzi kunangaphambili. Okukhona benikezela ngeenkonzo zedijithali, kokukhona beqokelela idatha ngokuzenzekelayo.

Le datha ibavumela ukuba bathathe amanyathelo amakhulu malunga nokuhlaziya kunye nokulawula imodeli yabo yokusebenza, inkonzo yabathengi kunye neqhinga labo loshishino. Idatha ibenza baqonde abathengi ngeendlela ezintsha, besebenzisa olo lwazi ukuchonga amathuba, ukwandisa iimveliso kunye neenkonzo, kunye nezisombululo ezizenzekelayo.

Ukuzenzekela kunye nokusetyenziswa kwezisombululo zedijithali ezifana iingxoxo kunye neArtificial Intelligence nazo ziyinxalenye yeendlela ezininzi zebhanki zenguqu yedijithali.

✔ Ukukhetha amaqonga etekhnoloji afanelekileyo

Xa kudityaniswa iinkonzo ezintsha kwimisebenzi eneenkqubo ezininzi zelifa kunye nempahla, kwaye kuxhomekeke kumanqanaba aphezulu olawulo njengebhanki, ukugqiba ukuba ngawaphi amaqonga okusetyenziswa kunye nendlela yokuwasebenzisa kubaluleke kakhulu.

Kumphathi webhanki namhlanje, kukho intaphane yeengxaki ekufuneka zisonjululwe. Kukho uxinzelelo lwezoqoqosho, olusebenzayo kunye nolawulo lokulawula kwixesha elifutshane. Kukwakho nengxoxo-mpikiswano enzima malunga nokuba yeyiphi itekhnoloji eya kuphazamisa kakhulu okanye isitshixo sokutshintsha.

Ngokomzekelo, abanye bakholelwa ukuba ilifu linikeza ithuba elikhulu kwiibhanki. Inikezela ngeenkonzo eziphucukileyo, ezenzelwe umntu, ezexesha lokwenyani ezilindelwe ngabathengi kunye nabathengi apho kwabanye, i-AI ibonelela ngeyona nzuzo ininzi.

Nangona kunjalo iibhanki zinethuba elihle njengoko zigcine ukuthembela kwabathengi kwaye kufuneka zibe nenkunzi yokuphumeza isicwangciso esifanelekileyo. Itekhnoloji ye-Cutting-Edge kunye ne-ecosystem yedijithali eya kunciphisa iindleko ngelixa ihambisa iimveliso ezingcono kunye namava abathengi iya kuba ngundoqo kwimpumelelo.

🥀 Ungazuza njani kwidijithali yebhanki?

Nazi ezinye iindlela iibhanki ezinokuphucula idijithali ukunyusa inzuzo yazo kunye nokubonelela abathengi babo ngokulula abakufunayo.

✔ Intsebenziswano kunye neenkampani zeteknoloji

Njengoko iingxilimbela zetekhnoloji ezinje ngeAmazon kunye neApple zenza ingeniso kwimali yabathengi, zidinga umntu oza kujongana neenkqubo zebhanki ezingasemva.

Kwiibhanki, oku kuvula ithuba lobudlelwane bobuchwephesha kunye nokufikelela kwisiseko esinamandla sabathengi bezi nkampani. Nokuba siyayihoya indima edlalwe zizigebenga zetekhnoloji kunye nokufikelela kwisiseko sabathengi esomeleleyo kwezi nkampani. Nazi iingenelo eziphambili zale ndlela:

• Iibhanki zinokusebenzisa isiseko sazo esikhoyo sabathengi kunye nobuchule bokusebenza
• Phucula ukudibana kwabathengi
• Thatha idatha ethe kratya ukuqonda ngcono abathengi babo kwaye ungenise inqanaba eliphezulu lokuzenzela
• Iibhanki zinokwakha ngokuthe ngcembe i-ecosystem yeenkonzo abathengi abazifunayo ukongeza imithombo yengeniso entsha kwaye bathintele isiseko sabathengi babo ukuba batshintshele kwiinkampani. fintech amashishini asakhasayo nawedijithali.

✔ Tyala imali kwi-automation ukuphucula lula kunye nokunciphisa iindleko

Ukuzenzekelayo iinkqubo ezahlukeneyo kunokunciphisa iindleko kunye nokulungelelanisa imisebenzi ukuhambisa ixabiso elingakumbi kubathengi. Kwakhona kunciphisa i-overhead ngokunciphisa ukuthembela kubasebenzi babantu, abanokudluliselwa kubathengi ngendlela yokunciphisa imirhumo.

Ngokomzekelo, ngamaxesha e-COVID-19, uncedo oluncinci olufana nee-eStatements ezifunekayo okanye ukuqinisekiswa kwe-akhawunti ye-intanethi kunokongela wonke umntu ixesha kunye nemali kwaye kunciphise umngcipheko wosulelo ngomfowunelwa ngamnye.

✔ Foster innovation

Imfuneko ngumama wokuyila, kwaye ukwenza iindlela ezintsha zokufikelela kunye nokukhathalela isiseko sabathengi bakho yimfuneko yokuhlala ukhuphisana kwaye uncede abathengi bakho abathembekileyo ngexesha lobhubhane.

Namhlanje, amaziko emali amaninzi asebenzisa itekhnoloji ephucukileyo kwimisebenzi yolondolozo njengenkxaso yabathengi. Nangona kunjalo, kuyafuneka ukuba inxalenye yolu hlahlo-lwabiwo-mali isasazeke ngokuyila izinto ezintsha ukuze kuyilwe iimveliso ezintsha ezihlangabezana neemfuno zabathengi abasakhulayo.

Ngokomzekelo, Ngenxa yengxaki yangoku yezentlalo nezoqoqosho, abathengi abaninzi baye batshintshela ngokupheleleyo kwiintlawulo ze-elektroniki. Abanye banobunzima bokubuyisela imali-mboleko yabo, ngoxa abanye bekhangela imali ngexesha likaxakeka kunye neemveliso zeinshorensi ukuze bahlawule iindleko zexesha elizayo.

Ngokufikelela kwiidatha zabathengi abazizityebi, iibhanki zinokuhlola idatha yentengiselwano kunye nokuziphatha ukuhambisa iinkonzo zomntu kubathengi bazo. Amanye amanyathelo aquka:

• Yandisa imida iintengiselwano kwi-intanethi
• Nikeza ukuphumla kwii-IME, iiholide zembuyekezo, ukubuyisela imali kwi-mortgage, njl.
• Ukwandiswa kweenkonzo zetyala likaxakeka njengemali-mboleko yobuqu enenzala ephantsi kunye nokufikelela kwii-akhawunti zogcino olusisigxina
• Yenza imali ngedatha yesiqinisekisot iingxelo eziqondayo kunye nohlahlelo lwebenchmark kumashishini ahlukeneyo

Iibhanki nazo zinokusebenzisa idatha ukwenza amabali ewebhu obuqu kunye abandakanyayo ukukhuthaza iimveliso ezikhankanywe ngasentla ukuze zifunyanwe ngabo bazidingayo.

✔ Ukuphuculwa kolawulo lwedatha

Kwiminyaka emihlanu edlulileyo, idatha eqokelelwe yimibutho eyahlukeneyo, kubandakanywa nalabo abakumashishini emali, iye yanda ngenxa yenguqu yedijithali yoshishino.

Nangona kunjalo, kuphela iqhezu elincinci lale datha lisetyenziswa ngenxa ye-silos yokusebenza kwimibutho emininzi.

Njengoko nayiphi na ingcaphephe iya kuvuma, le datha engasetyenziswanga inamandla okunceda amashishini akhule ngokukhawuleza ngendlela yomthengi.

Ukuphucula ulawulo lwedatha, amaziko emali kunye neebhanki kufuneka zenze indlela yolawulo lwedatha edibeneyo ebandakanya i-hub yedatha esembindini edityaniswe neqonga lolawulo elomeleleyo.

Ukongeza ekudibaniseni idatha kunye nokuqinisekisa ukufikeleleka kwayo, kukwabalulekile ukubeka imilinganiselo yokhuseleko efanelekileyo yokukhusela idatha yomsebenzisi.

🥀 Isishwankathelo...

Utyalo-mali kwidijithali ecingisisiweyo lunokunceda iibhanki zonyuse ingeniso ngelixa zikwanceda abathengi abachatshazelwe ngubhubhane wangoku.

Ukusuka ekutyhafiseni utyelelo lwesebe ukuya ekunikezeni imvume yemali mboleko ye-Intanethi kunye nokuvulwa kweakhawunti ukuqeqesha abantu ibhanki yedijithali ukuze baxhamle kwiinkonzo ezinikezelwa ziibhanki zabo.

Isenokuba licebo elilungileyo ukuqala ngokudwelisa amathuba okukhula awodwa angqamana nemithombo yangoku yebhanki kwaye anokuxhaswa ngokufanelekileyo.

Esikhundleni sokwenza utyalo-mali ngokungaboniyo kwiindawo ezifana noyilo, ukuveliswa kwezinto ezintsha, uhlalutyo lwedatha kunye nobuntu, kububulumko ukuchonga kwaye uqale ngezo ndawo eziza kunika imbuyekezo ephezulu kunye notyalo-mali oluncinci kwiziphumo ezingcono.

Ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba wenze njalo master yorhwebo ngeyure nje 1. Cofa apha ukuze uyithenge

Kuzo zonke iinkxalabo zakho ndishiye uphawule