Ukwenziwa ngedijithali komkhakha wamabhange

Ngenkathi ubhubhane selwenzile i-digitalization iyisidingo Emkhakheni wamabhange, amabhange amaningi nezikhungo zezimali zase zithathe izinyathelo ezithile kule ndlela eminyakeni yamuva. Amabhange amaningi abeseqalile ukufaka idijithali ekunikezeni kwawo isevisi.

Eqinisweni, idijithali ukuguqulwa kwedatha ibe yifomethi yedijithali ngokwamukelwa kobuchwepheshe. Ukwenza idijithali kwebhange kunciphisa amaphutha abantu futhi ngaleyo ndlela kuqinise ukwethembeka kwamakhasimende.

Eqinisweni, ukwamukelwa kwedijithali kubaluleke kakhulu emkhakheni wamabhange. Ngokwamukela idijithali, amabhange angahlinzeka ngezinsizakalo zamakhasimende ezithuthukisiwe. Lokhu kunikeza izinzuzo kumakhasimende futhi konga isikhathi.

Namuhla, abantu banokufinyelela amabhange 24/24 sibonga izinsiza zamabhange ku-inthanethi. Ukuphatha izizumbulu zemali nakho sekulula. Ukusebenzisa idijithali nakho kuzuzise amakhasimende ngokwenza lula ukuthengiselana okungenamali.

Amakhasimende awasadingi ukugcina ukheshi futhi angasebenzisa noma kuphi, nganoma yisiphi isikhathi. Kodwa okokuqala, uma ufuna ukwenza imali nge 1XBET ngaphandle kokutshala imali, chofoza lapha ukuze udale i-akhawunti yakho futhi uzuze ku-50 FCFA ukuze uqale. Ikhodi yephromo argent2035

🥀 Kuyini ukwenziwa ngedijithali kwebhange?

La idijithali imele ukuguqulwa kwedijithali, igama eliphakamisa ukwenza izinto ngendlela ehlukile, ngenhloso yokwenza kangcono. Sikhuluma ngoshintsho olubalulekile endleleni ibhange elisebenza ngayo futhi ilethe inani kumakhasimende.

Isu leqiniso ledijithali libandakanya ubuchwepheshe, abantu, izinqubo kanye nendlela izinto ezenziwa ngayo. Kuhlala kunesici sobuchwepheshe ekusetshenzisweni kwedijithali yasebhange, kodwa uhambo ludinga nokuguqula isiko lenhlangano yebhange.

Ngokwenziwa kwedijithali yamabhange, abantu balindelwe sebenzisa ubuchwepheshe obusha futhi uzivumelanise nezindlela ezintsha zokusebenza. Lokhu kungaba ubuqili, abantu badume kabi ukuthi bangakwazi ukushintsha.

Ukuguqulwa kwedijithali kwezamabhange kuphoqa amabhange abo bonke osayizi ukuthi afune ukusebenzisa ubuchwepheshe obusha nezinsizakalo kuwo wonke amazinga. Kodwa kusho ukuthini ukuguqulwa kwedijithali emkhakheni wamabhange?

Ukuguqulwa kwedijithali kwebhange Okuningi kuhilela ukushintshela ekunikezelweni kwesevisi ye-inthanethi neyedijithali, kanye nenani elikhulu lezinguquko ezingemuva ezidingekayo ukusekela lolu shintsho.

Ukuze uphumelele, izizathu kanye nezinzuzo zenguquko kumele zicaciswe kuyo yonke inhlangano. “Ibalazwe lomgwaqo” kumele kukhulunywe ngalo futhi kuhlinzekwe ukuqeqeshwa nokuqeqeshwa okudingekayo. Nazi izinto ezibalulekile zempumelelo zokubhanga ngedijithali.

🥀 Izici ezibalulekile zempumelelo yokubhanga ngedijithali

Ukuguqulwa kwedijithali yasebhange ukubhanga kukuvumela ukuthi udale uhambo oluhambelanayo nolwangasese lwamakhasimende edijithali.

Ukudala uhambo lwamakhasimende edijithali kusho ukuthatha izinyathelo zokuhlanganisa yonke into endaweni eyodwa ye-inthanethi ukuze ikhasimende liphathwe kusetshenziswa amathuluzi afanayo, ngezinye izikhathi abantu abafanayo, kanye nolwazi olufanayo kuyo yonke inqubo.

Lapha, imikhuba efana nokushintsha inhlangano yeqembu, ukuhlanganisa ochwepheshe emaqenjini okuthengisa, futhi ngokunokwenzeka nokuhlanganisa ukumaketha nokuthengisa eqenjini elifanayo kungasiza kakhulu. Ukuze siphumelele ekwenzeni idijithali, nakhu okumele senze kukho:

✔️ Ukuchaza kabusha okwenziwa yikhasimende

Ngaphezu kwakho konke, beka amakhasimende nezidingo zawo kuqala ukuze udale izixazululo ezisimeme. Amabhange kufanele acabangele ukudala ngokubambisana namakhasimende njalo futhi kaningi phakathi nomjikelezo wokuphila wesiphakamiso.

✔️ Thola umbono wokuqala weselula

Kusukela ekubhangeni ngaphandle kokuthintana kuya ekufinyeleleni i-akhawunti ye-inthanethi, amakhasimende alindele ukuthi imikhiqizo namasevisi afinyeleleke kumadivayisi aphathekayo, noma kunini. Namuhla, amabhange asebenzisa amamodeli edijithali kuphela futhi anikeza amakhasimende awo uhla olugcwele lwezinsizakalo zebhange kuma-smartphone (Barnes, 2015).

Ngale ndlela, amabhange aqinisa indima yawo yeseluleko samakhasimende ngokusatshalaliswa kwezicelo zokuxhumana ezifana ne-WhatsApp, i-Skype, njll. Aqinisa ukusebenzisana kwawo namakhasimende awo ngokusebenzisa iziteshi ze-inthanethi (Japparova noRupeika-Apoga, 2017).

✔️ Yakha isu lokwenza idatha kube ngokwakho

Ukwakha izixazululo kusho ukwazi ukuthi iyiphi idatha onayo, iyiphi idatha oyidingayo, yimiphi imibuzo oyidingayo ukuze uyibuze leyo datha, nokuthi uzihumusha kanjani izimpendulo. Ukuhlukaniswa kwamadathasethi akhona kubalulekile.

Eqinisweni, amabhange anamuhla anedatha eminingi kunangaphambili. Uma benikeza amasevisi edijithali engeziwe, kulapho idatha eningi abaziqoqayo ngokuzenzakalelayo.

Le datha ibavumela ukuthi bathathe izinyathelo ezinkulu mayelana nokubuyekeza nokuphatha imodeli yabo yokusebenza, isevisi yamakhasimende ngisho namasu abo ebhizinisi. Idatha ibenza bakwazi ukuqonda amakhasimende ngezindlela ezintsha, besebenzisa lolo lwazi ukuhlonza amathuba, ukuthuthukisa imikhiqizo namasevisi, kanye nezisombululo ezizenzakalelayo.

Okuzenzakalelayo kanye nokusetshenziswa kwezixazululo zedijithali ezifana izingxoxo kanye ne-Artificial Intelligence nazo ziyingxenye yamasu amabhange amaningi okuguqula idijithali.

✔️ Ukukhetha izinkundla zobuchwepheshe ezifanele

Lapho kudidiyelwa amasevisi amasha ekusebenzeni okunezinqubo nezimpahla zefa, futhi ngaphansi kwamazinga aphezulu okucutshungulwa kokulawula njengebhange, kubalulekile ukunquma ukuthi yiziphi izinkundla okufanele zisetshenziswe nokuthi zisetshenziswa kanjani. .

Kumphathi webhange namuhla, kunenqwaba yezinkinga okufanele zixazululwe. Kunengcindezi yezomnotho, yokusebenza kanye neyokulawula okufanele iphathwe esikhathini esifushane. Kuphinde kube nenkulumo-mpikiswano enzima yokuthi yibuphi ubuchwepheshe obuzophazamisa kakhulu noma obuyisihluthulelo sokushintsha.

Isibonelo, abanye bakholelwa ukuthi ifu linikeza ithuba elikhulu kakhulu lamabhange. Iletha izinsizakalo eziyinkimbinkimbi, ezenzelwe umuntu siqu, zesikhathi sangempela amakhasimende namakhasimende alindele lapho kwabanye, i-AI inikeza inzuzo enkulu.

Nokho amabhange anethuba elihle njengoba egcine ukwethenjwa kwamakhasimende futhi kufanele abe nemali yokusebenzisa isu elilungile. Ubuchwepheshe obusezingeni eliphezulu kanye ne-digital ecosystem ezonciphisa izindleko ngenkathi iletha imikhiqizo engcono kanye nolwazi lwamakhasimende kuzoba umgogodla wempumelelo.

🥀 Ungazuza kanjani ku-digitalization of banking?

Nazi ezinye zezindlela amabhange angathuthukisa ngazo ukwenza idijithali ukuze andise inzuzo yawo futhi anikeze amakhasimende awo ukunethezeka akudingayo.

✔️ Ukubambisana nezinkampani zobuchwepheshe

Njengoba ama-tech giants afana ne-Amazon ne-Apple enza i-foay kwezezimali zabathengi, adinga umuntu ozophatha izinqubo zebhange ezibuyisela emuva.

Emabhange, lokhu kuvula ithuba lobambiswano lwezobuchwepheshe kanye nokufinyelela kusisekelo samakhasimende esiqinile salezi zinkampani. Ngisho noma singayinaki indima edlalwa izikhondlakhondla zezobuchwepheshe kanye nokufinyelela kusizinda samakhasimende esiqinile salezi zinkampani. Nazi izinzuzo eziyinhloko zale ndlela:

• Amabhange angasebenzisa amandla awo akhona amakhasimende kanye namakhono okusebenza
• Thuthukisa ukusebenzelana kwamakhasimende
• Thwebula idatha eyengeziwe ukuze uqonde kangcono amakhasimende abo futhi wethule izinga eliphezulu lokwenza kube ngokwakho
• Amabhange angakha kancane kancane i-ecosystem yezinsizakalo amakhasimende awo azidingayo ukuze engeze imithombo yemali emisha futhi avimbele isisekelo samakhasimende awo ukuthi ashintshele ezinkampanini fintech amabhizinisi asafufusa nawedijithali.

✔️ Tshala imali ku-automation ukuze uthuthukise ukunethezeka nokunciphisa izindleko

Ukuzenzakalela izinqubo ezahlukahlukene kunganciphisa izindleko futhi kuqondise ukusebenza ukuze kulethwe inani elithe xaxa kumakhasimende. Iphinde inciphise ukukhuphuka kwemali ngokunciphisa ukuthembela kubasebenzi abangabantu, okungadluliselwa kumakhasimende ngendlela yezimali ezincishisiwe.

Isibonelo, ngezikhathi ze-COVID-19, ukunethezeka okuncane njengama-eStatements afunwayo noma ukuqinisekiswa kwe-akhawunti ye-inthanethi kungasindisa wonke umuntu isikhathi nemali futhi kunciphise ingozi yokutheleleka ngothintana naye ngamunye.

✔️ Foster emisha

Isidingo ngumama wokusungulwa, futhi ukusungula izindlela ezintsha zokufinyelela nokunakekela isisekelo samakhasimende akho kuyisidingo sokuhlala unokuncintisana futhi usize amakhasimende akho athembekile phakathi nalolu bhubhane.

Namuhla, izikhungo zezezimali eziningi zisebenzisa ubuchwepheshe obuyindida ukwenza imisebenzi yokunakekela njengokwesekwa kwamakhasimende. Kodwa-ke, kuyadingeka ukuthi ingxenye yalesi sabelomali iqondise ekusungulweni kwemikhiqizo emisha ehlangabezana nezidingo zamakhasimende asafufusa.

Isibonelo, Ngenxa yesimo esibucayi senhlalo nezomnotho, amakhasimende amaningi ashintshe ngokuphelele ezinkokhelweni ze-elekthronikhi. Abanye banobunzima bokubuyisela i-mortgage yabo, kuyilapho abanye befuna ukheshi ezimweni eziphuthumayo kanye nemikhiqizo yomshwalense ukuze bahlangabezane nezindleko zesikhathi esizayo.

Ngokufinyelela kudatha yamakhasimende anothile, amabhange angahlola idatha yokwenziwayo neyokuziphatha ukuze alethe izinsizakalo eziqondene nawe kumakhasimende awo. Ezinye izinyathelo zifaka:

• Khulisa imikhawulo ukuthengiselana online
• Nikeza ukuphumula ngama-IME, amaholide okukhokha, ukubuyisela imali yezindlu, njll.
• Ukunwetshwa kwezinsizakalo zekhredithi eziphuthumayo njengemalimboleko yomuntu siqu enenzalo ephansi kanye nokufinyelela kuma-akhawunti okulondoloza imali angashintshi
• Yenza imali ngedatha yokuqinisekisat imibiko enokuqonda kanye nokuhlaziywa kwebhentshimakhi yezimboni ezahlukahlukene

Amabhange angaphinda asebenzise idatha ukwenza izindaba zewebhu ezenzelwe wena futhi ezihehayo ukukhuthaza imikhiqizo eshiwo ngenhla ukuze itholwe yilabo abayidingayo.

✔️ Ukuphathwa kwedatha okuthuthukisiwe

Eminyakeni emihlanu edlule, idatha eqoqwe izinhlangano ezihlukahlukene, kuhlanganise nalabo abasembonini yezezimali, iye yanda ngenxa yokuguqulwa kwedijithali embonini.

Kodwa-ke, ingxenye encane kuphela yale datha isetshenziswa ngenxa yama-silos okusebenza ezinhlanganweni eziningi.

Njengoba noma yimuphi uchwepheshe uzovuma, le datha engasetshenzisiwe inamandla okusiza amabhizinisi akhule ngokushesha ngendlela egxile kumakhasimende.

Ukuze kuthuthukiswe ukuphathwa kwedatha, izikhungo zezezimali namabhange kumele bakhe indlela ehlangene yokuphatha idatha ehlanganisa ihabhu ledatha eliphakathi nendawo elixhunywe kunkundla yokuphatha eqinile.

Ngaphezu kokuhlanganisa idatha kanye nokuqinisekisa ukufinyeleleka kwayo, kubalulekile futhi ukubeka izinyathelo zokuphepha ezifanele zokuvikela idatha yomsebenzisi.

🥀 Isifinyezo...

Ukutshala imali ekusetshenzisweni kwedijithali okucatshangelwayo kungasiza amabhange ukuthi akhulise imali engenayo kuyilapho kusiza amakhasimende athintwe ubhubhane olukhona manje.

Ukusuka ekuvimbeleni amagatsha okudumazayo kuye ekunikezeni izimvume zokubolekwa kwemali ku-inthanethi nokuvulwa kwama-akhawunti kuya ekuqeqesheni abantu ibhange ledijithali ukuze bakwazi ukujabulela izinsiza ezihlinzekwa amabhange abo.

Kungaba umqondo omuhle ukuqala ngokufaka kuhlu amathuba okukhula ayingqayizivele afana nezinsiza zamanje zebhange futhi ezingase zisetshenziswe ngokunengqondo.

Esikhundleni sokutshala imali ngobumpumputhe ezindaweni ezifana nokuklama, ukusungula izinto ezintsha, ukuhlaziya idatha nokwenza kube ngokwakho, kuwubuhlakani ukukhomba bese uqala ngalezo zindawo ezizoletha imbuyiselo ephezulu ngokutshalwa kwezimali okuncane ukuze uthole imiphumela engcono.

Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukuvumela ukuba wenze kanjalo master ukuhweba ngehora eli-1 nje. Chofoza lapha ukuze uyithenge

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