Iiakhawunti zebhanki zangoku zithandwa kakhulu phakathi kweenkampani, iinkampani, iinkampani zoluntu, oosomashishini abanenani eliphezulu lentengiselwano eqhelekileyo nebhanki. I-akhawunti yangoku ithathela ingqalelo iidipozithi, ukuhoxiswa kunye nokuthengiselana kwenkampani. Ezi akhawunti zikwabizwa ngokuba zii-akhawunti zedipozithi okanye ii-akhawunti zokutshekisha.
Ingaba umngxuma epokothweni yakho ungenza njani umngxuma kwiintsini zakho? Impendulo luxinzelelo. Uxinzelelo lwemali luchaphazela ngaphezu kwe-wallet yakho. Inokuba nefuthe elibi kwimpilo yakho kunye nobudlelwane bakho phakathi kwabantu. Ayikho enye inkqubo apho iingcinga zethu zinokuthi ziguqule imisebenzi yethu yomzimba ngesiquphe kwaye ngamandla.
Inzala lixabiso lokusebenzisa imali yomnye umntu. Xa uboleka imali, uhlawula inzala. Inzala ibhekisa kumagama amabini azalanayo kodwa ahluke kakhulu: nokuba yimali ebolekwayo ayihlawulayo ebhankini ngeendleko zemboleko, okanye imali efunyanwa ngumnini-akhawunti ngokushiya imali ngasemva. Ibalwa njengepesenti yemali-mboleko (okanye idiphozithi), ihlawulwe ngamaxesha athile kumbolekisi ngelungelo lokusebenzisa imali yakhe. Isixa-mali sidla ngokuchazwa njengexabiso lonyaka, kodwa inzala ingabalwa ixesha elide okanye elifutshane kunonyaka omnye.
I-akhawunti yemalike yemali yi-akhawunti yokonga eneempawu ezithile zolawulo. Ngokuqhelekileyo iza kunye neetshekhi okanye ikhadi le-debit kwaye ivumela inani eliqingqiweyo leentengiselwano ngenyanga nganye. Ngokwemveli, iiakhawunti zeemalike zemali zibonelela ngenzala ephezulu kuneeakhawunti zogcino eziqhelekileyo. Kodwa namhlanje, iireyithi ziyafana. Iimarike zemali zihlala zinediphozithi ephezulu okanye ubuncinane beemfuno zebhalansi kuneeakhawunti zokulondoloza, ke thelekisa iinketho zakho ngaphambi kokuba wenze isigqibo kwenye.
E-Afrika, ukhetho lohlobo lwe-akhawunti yebhanki yokwenza kufuneka ibe sisigqibo esivuthwe ngokunzulu. Esona sizathu sikukuba abemi balapho basahlwempuzeke kakhulu. Olona khetho lubi lunokutyhafisa abanye kwaye luphazamise ngakumbi ukubandakanywa kwezemali.