Izindlela zokukhokha zedijithali ezintsha

Umnotho, imali, kanye nendlela esenza ngayo izinkokhelo kube nezinguquko ezimbalwa kusukela ezikhathini ze-Stone Age. Umhlaba wethu uya ngokuya uba yidijithali, kanjalo nokucubungula izinkokhelo. Amabhizinisi nabathengi banentshisekelo ezindleleni zokukhokha ezisheshayo, eziphephile nezilula kakhulu. Lezi izindlela zokukhokha zedijithali.

Ngenkinga yezempilo yango-2021, saqonda ukuthi imali isiphelelwe yisikhathi. Ukuthengiselana okungaxhunyiwe kufiswa kakhulu ngoba ukuze silawule kangcono le nkinga yezempilo, kufanele sihambe ibanga elithile.

Kodwa ngaphambi kokukwazisa ngalezi zindlela zokukhokha ezintsha, ake ngikutshele izinto ezimbalwa mayelana nokukhokha kwedijithali. Kodwa ngaphambi kokuthi uqale, nansi ukuqeqeshwa kwe-premium okuzokwenza ikuvumela ukuthi wazi zonke izimfihlo zokuphumelela kuPodcast.

???? Yini okufanele ukwazi ngezinkokhelo zedijithali?

Inkokhelo yedijithali kwesinye isikhathi ibizwa ngokuthi inkokhelo ye-elekthronikhi noma yedijithali. Iwukudluliselwa kwenani lisuka ku-akhawunti yokukhokha liye kwenye kusetshenziswa idivayisi yedijithali. Lawa madivayisi angaba i-smartphone, indawo yokuthengisa, ikhompuyutha, njll.

Iyini inkokhelo yeselula?

Ayikho incazelo eyodwa, eyamukelwa emhlabeni wonke yezinkokhelo zedijithali. Izinkokhelo zedijithali zingaba ngokwedijithali ngokwengxenye, ikakhulukazi idijithali, noma idijithali ngokugcwele.

Isibonelo, inkokhelo yedijithali ingxenye lapho okhokhayo nokhokhelwayo basebenzisa ukheshi ngabasebenzeli bezinkampani zangaphandle, nabahlinzeki abenza ukudluliselwa kwebhange kwedijithali ngemuva.

Inkokhelo yedijithali ngokuyinhloko ingaba leyo lapho okhokhayo aqala khona inkokhelo ngedijithali kumenzeli oyithola ngedijithali kodwa okhokhelwayo athole inkokhelo engukheshi kulowo menzeli.

Ngakho-ke, incazelo kufanele ifanele inhloso. Incazelo eyodwa igcizelela isixhumi esibonakalayo sokhokhayo njengengxenye echazayo. Enye ichaza izinkokhelo zedijithali ngokusekelwe ethuluzini lokukhokha noma okunye okuhlukile.

I-athikili okufanele ifundwe: Indima yomeluleki wezezimali webhizinisi lakho

Lezi zinqumo ezichazayo zibaluleka ikakhulukazi uma inhloso kuwukulinganisa inombolo noma isabelo sezinkokhelo zedijithali esimweni sokusetshenziswa. Incazelo yezinkokhelo zedijithali inquma ukuthi zilinganiswa kanjani.

Izinzuzo zezinkokhelo zedijithali

Nganoma iyiphi incazelo, sazi ezinye izinto ngokuqinisekile. Izinkokhelo zedijithali zinikeza izinzuzo ezibalulekile kubantu ngabanye, amabhizinisi, ohulumeni noma izinhlangano zokuthuthukisa amazwe ngamazwe. Izinzuzo zokuba yidijithali zihlanganisa:

• Ukonga izindleko sibonga ukwanda ukusebenza kahle kanye nesivinini.
• Ukungafihli nokuvikeleka ukwenza ngcono ukulandeleka nokuziphendulela, ngaleyo ndlela kuncishiswe inkohlakalo nokweba.
• Ukufakwa kwezimali ngokukhula ukufinyelela ezinhlobonhlobo zezinsizakalo zezezimali, okuhlanganisa ama-akhawunti okonga, izikweletu kanye nemikhiqizo yomshwalense.
• Ukubamba iqhaza kwabesifazane kwezomnotho ukubanikeza ukulawula okwengeziwe ezimpilweni zabo zezezimali kanye nokubanikeza amathuba amakhulu ezomnotho.
• Ukukhula okuhlanganisayo. Izinzuzo ezichazwe ngenhla zisiza ukuvula amathuba ezomnotho kwabakhishwe ngaphandle ngokwezezimali futhi zivumele ukuhamba kahle kwezinsiza emnothweni. Kunobufakazi obuqinile bezemfundo ngomthelela wokwamukelwa okusabalele kwezinkokhelo zedijithali ekunciphiseni ubumpofu (bona u-Jack no-Suri, 2016) kanye nokuthuthukisa Izinjongo Zokuthuthukiswa Okusimeme.

Njengoba uzwisisile, izinkokhelo zedijithali zinikeza izinzuzo eziningi. Lezi zinzuzo zisukela ekusheshiseni ukufakwa kwezimali kuya ekongeni izindleko zemisebenzi yezezimali. Manje ake senze indlela yalezi zinkokhelo ezintsha.

???? Izindlela zokukhokha zedijithali

Izindlela zokukhokha zedijithali ezahlukahlukene ziyathrenda namuhla. Nazi ezinye zezinhlobo zokukhokha ezidume kakhulu ongazisebenzisa njengebhizinisi.

#1. Amadivayisi anokuqinisekiswa kwe-biometric

Amakhasimende enza idijithali ngezinkokhelo zawo, okwandisa isidingo sokuphepha. Ukuqinisekiswa kwebhayomethrikhi kuwuhlobo lokuqinisekisa olusebenzisa izithwebuli zeminwe, ukubona ubuso, ukubonwa kwe-iris, ukuhlaziya ukushaya kwenhliziyo, kanye nokwenza imephu yemithambo ukuvimbela ukuntshontshwa kobunikazi kanye nokukhwabanisa.

Njengamanje, amafoni amaningi anezikhwama zedijithali athanda Apple Pay futhi i-Google Pay isebenzisa izigxivizo zeminwe noma ukubonwa kobuso. Kodwa izinketho ezengeziwe zisemisebenzini.

Isibonelo, i-Visa iyahlola ikhadi lokukhokha le-biometric okuzovumela abasebenzisi ukuthi baqinisekise okwenziwayo ngokuthinta inzwa esekhadini enganquma ukuthi izigxivizo zeminwe ziyafana yini esikhundleni sokufaka iphinikhodi noma ukusayina irisidi.

#2. Indawo yokuthengisa yeselula

Ukucutshungulwa kokukhokha okulula kufanele kube okuhamba phambili kumabhizinisi namuhla. Amasistimu ezindawo zokuthengisa zamaselula amathebulethi, ama-smartphone, noma amanye amadivaysi angenantambo asebenzisa uhlelo lokusebenza nesifundi sekhadi ukucubungula izinkokhelo njengerejista yemali.

Lokhu kunikeza amabhizinisi inkululeko yokuqeda indawo yokukhokha emaphakathi futhi amukele izinkokhelo noma yikuphi esitolo sawo, ngisho nangaphandle kwendawo. Isibonelo, ungathatha isistimu yakho yokukhokha uye embukisweni wezohwebo nakwezinye izindawo ezingaphandle kwendawo.

Lokhu ngaphandle kokukhathazeka ngokuthi uzoyenza kanjani imisebenzi. Amakhasimende angaswayipha amakhadi awo ukusuka isikweletu noma idebhithi usebenzisa isifundi sekhadi esixhunywe ocingweni lwakho futhi uthenge ngaso leso sikhathi. Kulula kanjalo.

#3. izikhulumi ezihlakaniphile

Imiyalo yezwi ayisewona umqondo wekusasa. Sibonga izikhulumi ezihlakaniphile ezifana Ikhaya le-Google, I-Apple HomePod kanye ne-Amazon Echo, abathengi banganikeza umyalo wezwi ukwenza inkokhelo esheshayo noma ukuthenga.

Abanye abathengi bakhathazeka ngokuthi lena akuyona indlela ephephe kunazo zonke yokuthenga. Ngalolu hlobo lokukhula emkhathizwe, kuzobaluleka ukuthi uthuthukise isitolo sakho se-inthanethi ukuze useshe ngezwi ukuze ibhizinisi lakho libonakale kalula ngamathuluzi afana nezipikha ezihlakaniphile.

#4. Inkokhelo engathinteki

Kunezinhlelo zokusebenza ezahlukene zokukhokha ngeselula ezivumela abasebenzisi ukuthi badlulise imali. Ukuze uthenge imikhiqizo, ukhokhe izikweletu futhi wenze cishe noma yiluphi olunye uhlobo lomsebenzi wezezimali. Konke ngokuthinta umunwe. Ngokwenza i-akhawunti nokugcina ulwazi lwakho lokukhokha lapho, ukuthenga izimpahla namasevisi usebenzisa umakhalekhukhwini kuyashesha futhi kulula.

Izibonelo zalobu buchwepheshe zihlanganisa Venmo, PayPal, Google Pay, Apple Pay kanye Samsung Pay. Lobu buchwepheshe bulungele ukukhokha kontanga kuya kontanga. Ukuvumela amakhasimende ukuthi enze izinkokhelo ze-elekthronikhi ngohlelo lwawo lokusebenza lweselula kunikeza ukunethezeka okungenakuqhathaniswa. Zonke lezi zindlela zokukhokha zibizwa amasango okukhokha. Bheka lesi sihloko ukuze ufunde Okuningi mayelana ne-difizinhlobo ezahlukene zamasango okukhokha

Izindlela zokukhokha ngaphandle kokuthinta zifaka izindleko. Okokuqala, uzodinga ukuthenga amatheminali ekhadi anikwe amandla yi-NFC. Akukho zindleko zokwamukela i-Apple Pay ne-Google Pay.

Kodwa njengazo zonke ezinye izinkokhelo zekhadi lesikweletu, amanani nezinkokhelo ziyasebenza lapho abathengi basebenzisa ikhadi lesikweletu ukuze bakhokhele izimpahla noma amasevisi esitolo sakho. (Lokhu kuthenga kuthathwa njengemisebenzi yamanje yekhadi.) Ungahlola neyakho iprosesa lezi zilinganiso ezithile.

Abathengi abaningi baphendukela kulezi zindlela ngoba banomuzwa wokuthi kuyindlela ephephile nesheshayo. Futhi, kubathengi abaningi abahlale bephethe amafoni abo ezandleni zabo, kulula kakhulu ukufinyelela kuwo.

Izinkokhelo ngaphandle kokuthinta azikhawulelwe kumawallet eselula. Amakhadi esikweletu amasha nawo afakiwe Ubuchwepheshe be-RFID esetshenziselwa izinkokhelo ngaphandle kokuthinta. Ngekhadi lesikweletu elingathinteki, amakhasimende avele abambe ikhadi eduze kwesifundi sekhadi. Akusadingeki ukuthi baswayiphe ikhadi labo, balifake esifundweni sekhadi, noma balithephe maqondana netheminali.

#5. Izinketho zokukhokha ezinkundleni zokuxhumana

Amanethiwekhi omphakathi anwebe ukufinyelela kwawo ukuze afake izixazululo zokukhokha ezifana nokudluliswa kwemali. Inani elikhulu lezinkulungwane zeminyaka liphendukela ezinkundleni zokuxhumana lapho lifuna ukuthenga. I-Facebook, Instagram, ne-Pinterest zonke zinikeza ama-akhawunti ebhizinisi avumela imikhiqizo ukuthi idayisele abathengi. Izinkokhelo zedijithali zenziwa ngokuqondile kusayithi ngemali encane.

#6. Izinkokhelo zokubona ubuso

Izinkokhelo zokubona ubuso seziqala ukwenzeka emazweni amaningana. Kungenzeka abe isengezo esidumile kubuchwepheshe bokukhokha obuphathwayo obusetshenziswa kakhulu manje.

Njengoba lezi zinkokhelo zokungaxhunyiwe zithandwa ngenxa yobhubhane lwe-coronavirus, izinkokhelo zokuqashelwa kobuso ziyaqala. Asikho isidingo sokuba ne-smartphone, ikhadi lasebhange nanoma iyiphi enye indlela yokuhlonza, noma ufake i-PIN. Uhlelo lulula. Ikhasimende libhalisela okunikezwayo kusuka kufoni yalo.

Bese ethatha isithombe ozishuthe sona nge-smartphone yakhe bese ekugcineni engeza imali ku-akhawunti yakhe ye-Pop Pay. Esebenzisa ikhadi lesikweletu noma i-akhawunti yasebhange, ukhokhela i-akhawunti yakhe ye-Pop Pay. Uma kufika isikhathi sokukhokhela ukudla kwabo, babheka ikhamera yethebhulethi noma ikhiyoski ye-PopID. Bese kuthi othatha imali ahlole igama labo bese imali ikhishwa ku-akhawunti.

Izinkokhelo zokuqashelwa kobuso zisetshenziswa kakhulu e-China. Ngo-2019, izitolo ezingaba ngu-1000 zafaka indlela yokukhokha ebusweni futhi amaShayina angaphezu kwezigidi ezingu-100 sebebhalisele ukusebenzisa ubuchwepheshe. I-Alipay, insiza yokukhokha esetshenziswa i-e-commerce giant Alibaba Group, kanye nembangi yayo enkulu I-Tencent's WeChat Pay, gqugquzela umkhuba.

Ingabe ibhizinisi lakho selilungile? Lezi ezinye zezindlela zokukhokha eziguquguqukayo esinazo namuhla. Ngaphambi kokuthi uhambe, nakhu ukuqeqeshwa okukuvumela ukuba wenze kanjalo master ukuhweba ngehora eli-1 nje. Chofoza lapha ukuze uyithenge

Uma unokuthile okukukhathazayo, ngishiyele amazwana.