Neobanks kunye neentlawulo zebhanki

Udiniwe kukuhlawula imali Iintlawulo zebhanki ezimbaxa minyaka le kwibhanki yakho yemveli? Isisombululo kukwamkela i-neobanks kunye neebhanki ze-intanethi. Phakathi kweentlawulo zokugcinwa kweakhawunti, iikomishini 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. Ngokwamkela ii-neobanks kunye 100% iibhanki ze-intanethi, unokwenza iintlawulo zakho zebhanki zinyibilike njengekhephu elangeni. Fumana kweli nqaku indlela aba badlali abatsha beebhanki ze-intanethi benza ukuba kube nokwenzeka ukunciphisa 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 amacebiso okutshintsha imikhwa yakho yebhanki kunye nokwenza ukonga kakhulu. Ngaba ukulungele ukugcina imali eninzi kwi-wallet yakho? Kodwa ngaphambi kokuba siqale, nantsi indlela yokuphuma ematyaleni? Nako sisiya!

Zeziphi iintlawulo zebhanki ekufuneka uzilumkele?

Iintlawulo zebhanki zibhekisa kuzo zonke iimali ezitsalwa yibhanki. Ezi sampuli zithathwe kwi akhawunti abathengi, nokuba ngabantu okanye ziingcali. Zithathwa ngokutshintshiselana ngeenkonzo ezibonelelwa yibhanki ukuze lawula iakhawunti yomthengi. Ngoko ke ezi zikomishoni eziqokelelwe ulawulo lwe-akhawunti yebhanki. Isixa-mali sabo sihlawula imisebenzi eyahlukeneyo eyenziwe ngokwesakhelo solu 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 utshintshiselwano olusisigxina okanye ukutsalwa kwemali ngokuthe ngqo
• Iindleko zekhadi lebhanki, ngakumbi idebhithi erhoxisiweyo okanye amakhadi eGolide
• imirhumo yokuthumela iincwadi zetshekhi kunye neengxelo zeakhawunti yephepha
• I-Agios ye-overdraft okungagunyaziswanga okanye izitenxo zeakhawunti

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

I-Neobanks, i-100% entsha ye-mobile banking wave

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.

N26, Revolut, Orange Bank, Molo Bank... ezi neobanks ziyadibana impumelelo evakalayo nge abantu basezidolophini abatsha, abatsalwa kukusebenziseka kwabo lula kunye 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 ifowuni 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 ye-intanethi?

Ukukhetha i-neobank okanye ibhanki ye-intanethi kunokubonakala kunzima, kodwa ngokuqwalasela iindlela ezimbalwa eziphambili, unokwenza lula isigqibo sakho. Okokuqala, kubalulekile ukuchaza iimfuno zakho zemali. Umzekelo, ukuba ujonge ulawulo lwemihla ngemihla lwebhajethi yakho, ezinye ii-neobanks zibonelela ngohlalutyo lweendleko ezinamandla kunye nezixhobo zokulandela umkhondo. Ezinye zisenokuba zilungele ukonga okanye utyalo-mali.

Okulandelayo, jonga imirhumo ehambelana nokhetho ngalunye. Ii-Neobanks zihlala ziyaziwa ngeentlawulo zabo eziphantsi okanye ezingabikho kwiintengiselwano zemihla ngemihla. Nangona kunjalo, abanye banokubiza iintlawulo ngeenkonzo ezithile, ezinje ngokurhoxa phesheya okanye ukudluliselwa kwamanye amazwe. Thelekisa le mirhumo ukuvavanya ukuba loluphi ukhetho olulungele wena.

Ukhuseleko lukwangumba obalulekileyo. Qinisekisa ukuba i-neobank oyikhethileyo okanye ibhanki ye-intanethi inemilinganiselo yokhuseleko eyomeleleyo, njengobungqina bezinto ezimbini kunye nokukhusela idatha yobuqu. Khangela kwakhona ukuba ilawulwa ngugunyaziwe wezezimali owaziwayo, oqinisekisa ukhuseleko oluthile lwemali yakho.

Okokugqibela, ungalibali ukuqwalasela umgangatho wenkonzo yabathengi. Kwihlabathi ledijithali, kubalulekile ukufikelela kwinkxaso esebenzayo, nokuba yingxoxo, umnxeba okanye i-imeyile. Funda uphononongo oluvela kwabanye abasebenzisi ukuze ufumane umbono wamava abo ngenkonzo yabathengi kwibhanki oyicingayo.

Umahluko phakathi kwe-neobanks kunye neebhanki ze-intanethi

Iibhanki ezikwi-Intanethi bezikhona kwiminyaka ye-1990, ngelixa i-neo-banks ivele kakhulu mva nje, emva kowe-2010. Iibhanki ezikwi-Intanethi sele zisebenza ixesha elide. 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.

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 usetyenziso lweselula. Iinkonzo zabo ze-100% zidityanisiwe. Ezinye iibhanki ezikwi-Intanethi zisenamasebe okwenyama ukuxhasa unikezelo lwazo olukude. Ithagethi yeNeobanks into ephambili kumthengi omncinci, idolophu kunye neselula. Iibhanki ezikwi-Intanethi, ngokwenxalenye yazo, zijolise ekujoliswe kuko ngokubanzi, kunye nabathengi bayo yonke iminyaka kunye neeprofayili.

Iikhrayitheriya	Ukubhankisha kwi-Intanethi	Neobanks
Umhla wokuvela	1990s	Emva kwe2010
isimo	Abancedisi bamaqela amakhulu ebhanki	Iziqalisi ezizimeleyo
ufikelelo	Iwebhusayithi + izicelo eziphathwayo	100% mobile
target	Zonke iintlobo zabathengi	Abancinci kwaye badibene
Uluhlu lweenkonzo	Banzi: ityala, ukonga, i-inshurensi...	Kulinganiselwe kwiinkonzo zemihla ngemihla
rates	Imirhumo eyehlisiwe	Rhoqo simahla
Inkonzo yomthengi	Ifowuni, i-imeyile, ncokola	I-imeyile, ncokola

Ukuququmbela

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

Kodwa ngaphambi kokuba uhambe, nantsi Ulenza njani iSibonelelo soShishino esingenakuthintelwa