Neobanks kanye nokwehliswa kwemali ekhokhwayo yasebhange
Ukhathele ukukhokha imali izindleko zebhange ezimba eqolo unyaka ngamunye ebhange lakho lendabuko? Isixazululo ukwamukela ama-neobanks namabhange aku-inthanethi.
Phakathi kwezimali zokugcinwa kwe-akhawunti, amakhomishana okungenelela kanye i-agios ye-overdraft, ibhange lakho lendabuko alingabazi ukubhoboza i-akhawunti yakho njalo. Umphumela: amashumi noma amakhulu ama-euro agwinyile anciphisa kakhulu amandla akho okuthenga.
Kodwa-ke, zikhona izixazululo ezibambekayo zokuqeda lokhu kumoshwa kwemali futhi uphinde ukwazi ukulawula izimali zakho. Ngokwamukela ama-neobanks kanye 100% amabhange aku-inthanethi, ungancibilikisa izindleko zakho zasebhange njengeqhwa elangeni.
Thola 200% Ibhonasi ngemuva kwediphozithi yakho yokuqala. Sebenzisa le khodi yephromo: argent2035
Zitholele kulesi sihloko ukuthi laba badlali abasha ekubhangeni kwe-inthanethi bangancipha kanjani imali yayo yasebhange kakhulu. Siyabonga izipesheli zabo eziguquguqukayo kanye namazinga abo ancintisana kakhulu, azisekho izinto ezimangalisayo ezingajabulisi ekupheleni kwenyanga nomphathi wakho wasebhange ovamile.
Finance de Demain yembula wonke amaqhinga okushintsha imikhuba yakho yasebhange futhi wenze ukonga okukhulu.
Ulungele ukugcina imali eyengeziwe esikhwameni sakho? Kodwa ngaphambi kokuthi siqale, nakhu Ungaphuma kanjani esikweletini?
Asambe !
🌿 Yiziphi izindleko zebhange okufanele uziqaphele?
Izindleko zebhange zibhekisela kuzo zonke izimali ezikhishwe yibhange. Lawa masampuli athathwe kuwo ama-akhawunti ekhasimende, kungakhathaliseki ukuthi kuyimfihlo noma uchwepheshe. Zidonswa imali ngokushintshanisa izinkonzo ezihlinzekwa yibhange phatha i-akhawunti yekhasimende.
Ngakho-ke lawa ngamakhomishini atholakele ukuphathwa kokuphatha kwe-akhawunti yasebhange. Inani labo likhokhela imisebenzi eyahlukene eyenziwa njengengxenye yalokhu kuphatha. Lezi zimali zikhokha kokubili amakhasimende angawodwana nangokwengcweti.
Okokuqala, ake sibheke ngokushesha izindleko zebhange ezinkulu okufanele sizinake:
- Les izimali zokunakekela i-akhawunti, ikhokhiswa minyaka yonke ngokuphathwa kwe-akhawunti
- Les amakhomishana okungenelela, ekhokhiselwa ukuthenga ngakunye
- izindleko zokusetha i-stand order noma ukudonswa kwemali okuqondile
- Izindleko zekhadi lasebhange, ikakhulukazi amakhadi asebhange ahlehlisiwe noma amakhadi egolide
- izimali zokuthumela isheke kanye nezitatimende ze-akhawunti yephepha
- I-Agios ye-overdraft okungagunyaziwe noma okungalungile kwe-akhawunti
Ngokuhamba konyaka, lezi zindleko zingadlula kalula i-euro eyikhulu emabhange endabuko. Sekuyisikhathi sokuthi eqela ngaphezulu !
🌿 I-Neobanks, igagasi elisha lamabhange eselula angu-100%.
Eminyakeni yamuva nje, abasha abangu-100% abaqala ukubhanga ku-inthanethi baye bavela ukuze banikeze indlela ehlukile yokubhanga: lawa ama-neobanks. Amandla abo?
Izinsizakalo zebhange eziguquguqukayo ngohlelo lokusebenza lweselula, izinkokhelo eziphansi kakhulu nolwazi lwekhasimende olwenziwe lula.
Isihloko okufanele sifundwe: Yenza imali kalula ku-Coinbase
N26, Revolut, Orange Bank, Sawubona Bank... lezi neobanks ziyahlangana impumelelo emangalisayo nge abasebasha abahlala emadolobheni, baphumelela ngokusebenziseka kalula namanani aphansi. Ake sibhekisise kahle izinzuzo zalaba abasha.
✔️ Amandla ama-neobanks
- Amanani angehlulwa, ngisho nomnikelo oyisisekelo wamahhala
- 100% iselula: ukuvulwa kwe-akhawunti nokuphathwa ngohlelo lokusebenza
- Asikho isimo semali engenayo: ifinyeleleka kuwo wonke amaphrofayili
- Azikho izimali ze-akhawunti noma izimali zekhadi lesikweletu
- Ukuthenga kwamanye amazwe ngesilinganiso sokushintshaniswa kwe-Mastercard
- Ukudluliselwa okusheshayo mahhala phakathi kwabasebenzisi
- Izinketho ezintsha ezifana namachibi abiwe
Ngokusobala, ama-neobanks anikeza a inani elihle kakhulu lemali ukuze uthole ulwazi lwebhange oluguquguqukayo nesimanje. Okuthile ongakhanga amakhasimende amaselula asemasha.
✔️ Imikhawulo okufanele icatshangelwe
Kuyathembisa impela, ama-neobanks nokho anemikhawulo ethile:
- Kancane noma awekho nhlobo ama-ejensi aphathekayo
- Isevisi yamakhasimende ifinyeleleka kuphela ku-inthanethi ngengxoxo noma nge-imeyili
- Ibanga elilinganiselwe lemikhiqizo yokonga nokutshalwa kwezimali
- Umshwalense wekhadi owehlisiwe nowokwenziwe
- Izicelo ngezinye izikhathi kusaphelele ngamaphuzu athile
Ngakho-ke amaNeobank afaneleka kakhulu njenge-akhawunti yesibili noma ukusetshenziswa okuchazwe kahle.
🌿 Amabhange aku-inthanethi, okuhlukile kumabhange endabuko
Ngaphezu kwama-neobanks, amabhange aku-inthanethi angu-100% afana ne-Boursorama Banque, ING, Sawubona Bank, iMonabanq ayinketho ethokozisayo yokunciphisa kakhulu izindleko zakho zasebhange. Sibutsetelo samandla abo.
✔️ Kungani ushintshela ekubhangeni kwe-inthanethi?
- des amanani anenzuzo : akukho noma imali encane yokulungisa i-akhawunti
- Inethiwekhi enkulu ye imishini yokuthengisa yamahhala
- Uhlu olugcwele lwemikhiqizo yokonga nokutshalwa kwezimali
- Isevisi yamakhasimende ephendulayo nge-imeyili, ingxoxo nefoni
- abaphathi Idijithali engu-100%. uma ukufisa
Amabhange aku-inthanethi ahlanganisa izindleko eziphansi kanye nezinsizakalo eziphelele. Ukuvumelana okuhle kwabaningi.
✔️ Yibuphi ububi bokubhanga ku-inthanethi?
Nokho, amabhange aku-inthanethi anemikhawulo ethile:
- kakhulu izikhungo zomzimba ezimbalwa, etholakala emadolobheni amakhulu
- Ngezinye izikhathi izikhathi ezinde zokulinda ngocingo ukuze kufinyelelwe isevisi yamakhasimende
- Izinqubo zokuvula i-akhawunti zisenzima
- Izipesheli isikweletu esilinganiselwe kakhulu kunasemabhange endabuko
- Izinhlelo zokusebenza zeselula azihlali zi-ergonomic kakhulu
Kodwa-ke, izinzuzo zabo ngokwentela zihlala zingenakuphikwa uma ziqhathaniswa namanethiwekhi omdabu.
🌿 Ungayikhetha kanjani i-neobank yakho noma ibhange eliku-inthanethi?
Izindlela ezimbalwa kufanele zifundwe ngokucophelela ukuze ukhethe i-neobank yakho:
- Qhathanisa ku imininingwane okunikezwayo : mahhala, usilingi, umshwalense ohlobene...
- Hlola ukwethembeka namandla ezezimali e-neobank
- Bheka ukubuyekezwa okuningiliziwe kwekhasimende kuzinhlelo zokusebenza zeselula kanye nesevisi yangemuva kokuthengisa
- Qiniseka ukuthi ukuhambisana komnikelo nezidingo zakho ethize
- Zihlolele izinhlelo zokusebenza ngezilingo zamahhala
- Hlola ukukhululeka kokuthekelisa idatha yakho uma ushintsha umqondo wakho
Thatha isikhathi sokufunda lawa maphuzu ngokuningiliziwe ukuze uthole i-neobank enezinga eliphezulu/isilinganiso senani lephrofayela yakho.
🌿 Umehluko phakathi kwe-neo-banks namabhange aku-inthanethi
Amabhange aku-inthanethi abekhona ama-1990s, ngenkathi ama-neobanks evele kamuva nje, ngemuva kuka-2010. Ngakho-ke amabhange aku-inthanethi asebenze isikhathi eside emakethe. Bathuthukile ngokufika kwe-inthanethi nezinsizakalo ze-inthanethi.
AmaNeobanks angabadlali yakamuva kakhulu endaweni yasebhange. Lawa ama-fintech, ama-startups anikezela ngezinsizakalo ezintsha zamabhange. Bakwazile ukusizakala ngobuchwepheshe obusha obufana neselula.
I-athikili okufanele ifundwe: Amasheke ebhange anomehluko, amasheke omuntu siqu namasheke aqinisekisiwe
Amabhange aku-inthanethi ngokuvamile ancike emaqenjini amakhulu amabhange endabuko. Bayingxenye isu labo lokuhlukahluka iziteshi zokusabalalisa. Ngakolunye uhlangothi, ama-neobanks anjalo izinhlangano ezizimele abafuna ukuguqula umkhakha wamabhange.
Thola 200% Ibhonasi ngemuva kwediphozithi yakho yokuqala. Sebenzisa le khodi yephromoshini esemthethweni: argent2035
Ngaphezu kwalokho, ama-neobanks anjalo itholakala ku-inthanethi kuphela ngezinhlelo zokusebenza zeselula. Izinsizakalo zabo zisuswe ngo-100%. Amanye amabhange aku-inthanethi asenawo amagatsha aphathekayo ngaphezu kokunikezwa kwawo okukude.
I-Neobanks iqondise ukubeka phambili ikhasimende elisencane, idolobha kanye neselula. Amabhange aku-inthanethi ahloswe ekuhlosweni okubanzi, anamakhasimende abo bonke ubudala namaphrofayili.
Abagxeki | Ukubhanga ku-inthanethi | I-Neobanks |
Idethi yokuqala | Iminyaka ka-1990 📆 | Ngemuva kuka-2010 📅 |
isimo | Izinkampani ezingaphansi kwamaqembu amakhulu amabhange 🏢 | Ukuqalisa okuzimele 🏗️ |
ukufinyeleleka | Iwebhusayithi + izinhlelo zokusebenza zeselula 💻📱 | 100% iselula 📱 |
target | Zonke izinhlobo zamakhasimende 👨👩👧👦 | Bancane futhi baxhumekile 🧑💻 |
Ububanzi bezinsizakalo | Okukhulu: isikweletu, ukonga, umshwalense… 🏦 | Kukhawulelwe kumasevisi ansuku zonke 💳 |
Amanani | Izinkokhelo ezehlisiwe 💰 | Ngokuvamile kumahhala 🆓 |
Inkonzo yamakhasimende | Ifoni, i-imeyili, xoxa 📞 💬 | I-imeyili, xoxa 💬 |
🌿 Sengiphetha
Ngenxa yokunikezwa kwabo okuguquguqukayo, amanani abo anenzuzo kanye nawo 100% umuzwa wedijithali, laba balingisi benza kube nokwenzeka ukonga kakhulu uma kuqhathaniswa namabhange endabuko.
Thatha isikhathi sokuhlaziya izinketho ezihlukene ngokuya ngephrofayili yakho. Ungangabazi ukuhlanganisa i-neobanking kanye nokubhanga ku-inthanethi ukuze ujabulele okungcono kakhulu kuyo yomibili imihlaba. Into esemqoka ukuphuma ezinhlelweni ezibizayo zamabhange e-classical.
Isihloko okufanele sifundwe: Izicelo zokuzuza imali ngokubuka izikhangiso
Mina wena ngifisele impumelelo enkulu kulolu shintsho emikhubeni yokubhanga. Zizwe ukhululekile ukwabelana ngempendulo yakho kumazwana. Isikhwama sakho semali sizokubonga!
Kodwa ngaphambi kokuba uhambe, nansi Indlela Yokudala Isipho Sebhizinisi Esingenakuvinjelwa
Laisser un commentaire