Iindlela ezintsha zentlawulo yedijithali

Uqoqosho, imali, kunye nendlela esenza ngayo iintlawulo ziye zatshintsha ukusuka kumaxesha eStone Age. Ihlabathi lethu liya lisiba lidijithali, kwaye kukwanjalo nangokusetyenzwa kwentlawulo. Amashishini kunye nabathengi banomdla kwiindlela zokuhlawula ezikhawulezayo, ezikhuselekileyo nezilungele ngakumbi. Ezi ziindlela zentlawulo yedijithali.

Ngengxaki yezempilo ka-2021, saqonda ukuba imali ayisekho. Iintengiselwano ezingaqhagamshelwanga zinqweneleka kakhulu kuba ukulawula ngcono le ngxaki yezempilo, kufuneka sigcine umgama othile.

Kodwa ngaphambi kokuba ndikwazise kwezi ndlela zintsha zokuhlawula, mandikuxelele izinto ezimbalwa malunga nentlawulo yedijithali. Kodwa ngaphambi kokuba uqale, nalu uqeqesho lweprimiyamu oluya kuthi ikuvumela ukuba wazi zonke iimfihlo zokuphumelela kwiPodcast.

???? Yintoni omawuyazi malunga neentlawulo zedijithali?

Intlawulo yedijithali ngamanye amaxesha ibizwa ngokuba yintlawulo ye-elektroniki okanye yedijithali. Kukudluliselwa kwexabiso ukusuka kwi-akhawunti yentlawulo ukuya kwenye usebenzisa isixhobo sedijithali. Ezi zixhobo zinokuba yi-smartphone, indawo yokuthengisa, ikhompyuter, njl.

Yintoni intlawulo yeselula?

Akukho nto inye, inkcazo eyamkelekileyo jikelele yeentlawulo zedijithali. Iintlawulo zedijithali zinokuba yidijithali ngokuyinxenye, ubukhulu becala idijithali, okanye idijithali ngokupheleleyo.

Umzekelo, intlawulo yedijithali yenxalenye apho umhlawuli kunye nomntu ohlawulwayo basebenzisa imali ngee-arhente zeqela lesithathu, kunye nababoneleli abenza ukudluliselwa kwebhanki yedijithali kwi-backend.

Intlawulo yokuqala yedijithali inokuba yileyo apho umhlawuli aqala intlawulo ngedijithali kwi-arhente efumana idijithali kodwa ohlawulwayo ufumana intlawulo ngemali evela kuloo arhente.

Ngoko ke, inkcazo kufuneka ilungele injongo. Enye inkcazo igxininisa ujongano lomhlawuli-mxhamli njengento echazayo. Enye ichaza iintlawulo zedijithali ngokusekelwe kwisixhobo sokuhlawula okanye enye inguqu.

Inqaku eliza kufundwa: Indima yomcebisi wezezimali kwishishini lakho

Olu khetho lwenkcazo luba lufanelekileyo ngakumbi xa injongo kukuqikelela inani okanye isabelo seentlawulo zedijithali kwimeko yokusetyenziswa. Inkcazo yeentlawulo zedijithali imisela indlela ezilinganiswa ngayo.

Izibonelelo zeentlawulo zedijithali

Ngayo nayiphi na inkcazo, siyazi ezinye izinto ngokuqinisekileyo. Iintlawulo zedijithali zibonelela ngezibonelelo ezibalulekileyo kubantu, amashishini, oorhulumente okanye imibutho yophuhliso yamazwe ngamazwe. Iinzuzo zokuya kwidijithali ziquka:

• Ukongiwa kweendleko enkosi ngokwanda kwempumelelo kunye nesantya.
• Ukungafihli kunye nokhuseleko ukuphucula ukulandelelwa kunye noxanduva, ngokwenjenjalo kuncitshiswa urhwaphilizo nobusela.
• Ukubandakanywa kwezemali ngokunyuka ukufikelela kuluhlu lweenkonzo zemali, kubandakanywa ii-akhawunti zokulondoloza, ikhredithi kunye neemveliso ze-inshorensi.
• Ukuthatha inxaxheba kwezoqoqosho kwabasetyhini ukubanika ulawulo oluthe kratya kubomi babo bezemali nokubabonelela ngamathuba amakhulu ezoqoqosho.
• Ukukhula okubandakanyayo. Izibonelelo ezichazwe ngasentla zinceda ukuvula amathuba ezoqoqosho kwabo bangabandakanyiweyo ngokwasezimalini kwaye zivumele ukuhamba kakuhle kwemithombo yobutyebi kuqoqosho. Kukho ubungqina obuqinileyo bezemfundo kwimpembelelo yokwamkelwa ngokubanzi kweentlawulo zedijithali ekunciphiseni intlupheko (jonga uJack noSuri, i-2016) kunye nokuqhubela phambili kwiiNjongo zoPhuhliso oluZinzileyo.

Njengoko ubonile, iintlawulo zedijithali zibonelela ngeenzuzo ezininzi. Ezi zibonelelo zisusela ekukhawuleziseni ukubandakanywa kwemali ukuya ekugcinweni kweendleko zentengiselwano zemali. Ngoku masenze indlela yezi ntlawulo zintsha.

???? Iindlela zedijithali zokuhlawula

Iindlela ezahlukeneyo zokuhlawula idijithali zihamba phambili namhlanje. Nazi ezinye zezona ntlobo zentlawulo zidumileyo ukuphumeza njengeshishini.

#1. Izixhobo ezinobungqina bebhayometriki

Abathengi baya kwidijithali kunye neentlawulo zabo, ukwandisa imfuno yokhuseleko. Ukuqinisekiswa kwe-Biometric luhlobo lokuqinisekisa olusebenzisa izikena zeminwe, ukubonwa kobuso, ukuqaphela i-iris, uhlalutyo lokubetha kwentliziyo, kunye nemephu ye-vein ukuthintela ubusela besazisi kunye nobuqhetseba.

Okwangoku, iifowuni ezininzi ezinezipaji zedijithali ezifana Apple Pay kwaye uGoogle Pay usebenzisa umnwe okanye ukuqondwa kobuso. Kodwa ukhetho olongezelelweyo lusemisebenzini.

umzekelo, iVisa iyavavanywa ikhadi lentlawulo yebhayometriki eya kuvumela abasebenzisi ukuba baqinisekise ukuthengiselana ngokuchukumisa inzwa kwikhadi elinokugqiba ukuba umnwe weminwe uyahambelana endaweni yokufaka i-PIN okanye ukusayina irisithi.

#2. Indawo yokuthengisa ehambayo

Ukusetyenzwa kwentlawulo efanelekileyo kufuneka kube yeyona nto iphambili kumashishini namhlanje. Iinkqubo eziphathwayo zokuthengisa iitafile, ii-smartphones, okanye ezinye izixhobo ezingenazingcingo ezisebenzisa i-app kunye nesifundi sekhadi ukwenza iintlawulo njengerejista yemali.

Oku kunika amashishini inkululeko yokuphelisa indawo yentlawulo esembindini kwaye amkele iintlawulo ukusuka naphi na kwivenkile yabo, nakwindawo engaphandle. Umzekelo, unokuthatha inkqubo yakho yentlawulo kwi-trade show kunye nezinye iindawo ezingaphandle.

Oku ngaphandle kokukhathazeka malunga nendlela oya kuyenza ngayo intengiselwano. Abathengi banokuswayipha amakhadi abo ukusuka ngetyala okanye idebhithi usebenzisa isifundi sekhadi esiqhagamshelwe kwisixhobo sakho kwaye uthenge ngoko nangoko. Ilula ngolo hlobo.

#3. izithethi ezikrelekrele

Imiyalelo yelizwi ayiseyiyo ingcamango yekamva. Enkosi kwizithethi ezikrelekrele ezifana Ikhaya likaGoogle, IPod HomePod kunye ne-Amazon Echo, abathengi banokunika umyalelo welizwi ukwenza intlawulo okanye ukuthenga ngokukhawuleza.

Abanye abathengi banexhala lokuba le asiyiyo eyona ndlela ikhuselekileyo yokuthenga. Ngolu hlobo lokukhula elundini, kuya kubaluleka ukwandisa ivenkile yakho ye-intanethi yokukhangela ngelizwi ukuze ishishini lakho libonakale lula ngezixhobo ezinjengezithethi ezilumkileyo.

#4. Intlawulo yoqhagamshelwano

Kukho ii -apps ezahlukeneyo zentlawulo yeselula ezivumela abasebenzisi ukuba batshintshe imali. Ukuthenga iimveliso, ukuhlawula amatyala kwaye wenze phantse naluphi na olunye uhlobo lwentengiselwano yezemali. Konke ngokuchukumisa umnwe. Ngokwenza i-akhawunti kunye nokugcina ulwazi lwakho lwentlawulo apho, ukuthenga iimpahla kunye neenkonzo usebenzisa ifowuni ephathwayo kuyakhawuleza kwaye kulula.

Imizekelo yale teknoloji ibandakanya Venmo, PayPal, Google Pay, Apple Pay kunye Samsung Pay. Ezi teknoloji zilungele iintlawulo zoontanga-kuontanga. Ukuvumela abathengi ukuba benze iintlawulo ze-elektroniki nge-app yabo yeselula kunika uncedo olungenakuthelekiswa. Zonke ezi ndlela zokuhlawula zibizwa amasango entlawulo. Jonga eli nqaku ukuze ufunde ngakumbi malunga ne-difiintlobo ezahlukeneyo zamasango entlawulo

Iindlela zokuhlawula ngaphandle koqhagamshelwano zineendleko. Okokuqala, kuya kufuneka uthenge i-NFC-enabled card terminals. Akukho ntlawulo yokwamkela iApple Pay kunye neGoogle Pay.

Kodwa njengazo zonke ezinye iitransekshini zekhadi letyala, amaxabiso kunye neentlawulo ziyasebenza xa abathengi besebenzisa ikhadi letyala ukuhlawula iimpahla okanye iinkonzo kwivenkile yakho. (Ezi ntengiselwano zijongwa njengentengiselwano yekhadi-ngoku.) Ungakhangela neyakho kumqhubekekisi la mazinga athile.

Abathengi abaninzi baphendukela kwezi ndlela kuba bavakalelwa kukuba lukhetho olukhuselekileyo nolukhawulezayo. Kwaye, kubathengi abaninzi abasoloko benefowuni yabo ezandleni zabo, kulula kakhulu ukufikelela kuyo.

Iintlawulo zoqhagamshelwano azikhawulelwanga kwizipaji zeselula. Amakhadi amatsha etyala nawo anezixhobo Itekhnoloji yeRFID isetyenziselwa iintlawulo ngaphandle koqhagamshelwano. Ngekhadi letyala elingaqhagamshelwanga, abathengi bavele babambe ikhadi kufutshane nomfundi wekhadi. Akusekho mfuneko yokuba baswayiphe ikhadi labo, balifake kwisifundi sekhadi, okanye bacofe kwitheminali.

#5. Iinketho zokuhlawula kwiinethiwekhi zentlalo

Iinethiwekhi zentlalo ziye zandisa ukufikelela kwazo ukubandakanya izisombululo zokuhlawula ezifana nokudluliswa kwemali. Inani elikhulu leminyaka eyi-millennials liguqukela kumajelo asekuhlaleni xa ujonge ukuthenga. I-Facebook, i-Instagram, kunye ne-Pinterest zonke zibonelela ngeeakhawunti zezoshishino ezivumela ii-brand ukuba zithengise kubathengi. Iintengiselwano zentlawulo yedijithali zenziwa ngokuthe ngqo kwisiza ngentlawulo encinci.

#6. Iintlawulo zokuqaphela ubuso

Iintlawulo zokuqondwa kobuso ziyaqala ukwenzeka kumazwe amaninzi. Basenokuthi babe longezo oludumileyo kwitekhnoloji yokuhlawula ephathekayo esetyenziswa kakhulu ngoku.

Ngezi ntlawulo zingaqhagamshelwanga zithandwa ngenxa yobhubhani we-coronavirus, iintlawulo zokwamkelwa kobuso ziyaqala. Akukho mfuneko yokuba ne-smartphone, ikhadi lebhanki okanye naluphi na uhlobo lwesazisi, okanye ufake i-PIN. Inkqubo ilula. Umthengi ubhalisela unikezelo kwifowuni yakhe.

Emva koko thatha i-selfie nge-smartphone yakho kwaye ekugqibeleni wongeze imali kwiakhawunti yakho yePop Pay. Esebenzisa ikhadi letyala okanye iakhawunti yebhanki, uxhasa ngemali iakhawunti yakhe yePop Pay. Xa kufika ixesha lokuhlawula ukutya kwabo, bajonge kwikhamera yethebhulethi okanye i-PopID kiosk. Emva koko i-cashier ihlola igama labo kwaye imali ihoxisiwe kwi-akhawunti.

Iintlawulo zokuqaphela ubuso zisetyenziswa kakhulu eTshayina. Ngo-2019, ezinye iivenkile eziyi-1000 ezilula zifake indlela yokuhlawula ebusweni kwaye ngaphezu kwe-100 lezigidi zamaTshayina babhalisele ukusebenzisa iteknoloji. I-Alipay, inkonzo yentlawulo eqhutywa yi-e-commerce giant Alibaba Group, kunye nembangi yayo ephambili I-Tencent's WeChat Pay, bamba umkhwa.

Ngaba ishishini lakho lilungile? Ezi zezinye iindlela zentlawulo zenguqu esinazo namhlanje. Ngaphambi kokuba uhambe, nalu uqeqesho olukuvumela ukuba wenze njalo master yorhwebo ngeyure nje 1. Cofa apha ukuze uyithenge

Ukuba unayo nayiphi na inkxalabo, ndishiye uluvo.