I-wallet yedijithali isebenza kanjani?

I-wallet yedijithali wuhlelo lwesoftware olukuvumela ukuthi ugcine izinto eziningi ongazigcina esikhwameni sakho, okuhlanganisa imininingwane yokukhokha efana amakhadi edebhithi noma esikweletu, ukheshi, amakhuphoni, amathikithi endiza, amaphasi ebhasi, njll.

Ngokuthandwa okukhulayo kwamawalethi edijithali emhlabeni wonke, kubalulekile ukubhekisisa ukuthi lezi zinhlelo zokusebenza zingakunikeza ini.

Yini isikhwama semali yedijithali?

Un isikhwama sedijithali, ngezinye izikhathi ebizwa ngokuthi i-e-wallet, iyisevisi ekuvumela ukuthi ukhokhele izinto, ngokuvamile ngohlelo lokusebenza lweselula. Iphinde igcine inani lezinye izinto ezingaphathwa isikhwama semali. Lokhu kufaka phakathi izinto ezifana nelayisensi yokushayela, amakhadi esipho, amathikithi emicimbi yokuzijabulisa, njll.

Izikhwama zedijithali azilula nje kuphela ukuzisebenzisa kwezinye izimo, kodwa futhi zibhekwa njengephephile kakhulu kunesikhwama sendabuko.

Zisebenza kanjani izikhwama zedijithali?

Isoftware ye-Digital wallet ngokwesiko isingathwa ngohlelo lokusebenza lweselula ku-smartphone. Ingasetshenziswa futhi ngezinhlobonhlobo zamanye amafomethi njengedivayisi ephathekayo noma kukhompuyutha yakho yomuntu siqu. Inguqulo ye-smartphone yesikhwama sedijithali yiyona edume kakhulu namuhla ngenxa yokuguquguquka nokuhamba kwayo.

Lezi zikhwama zedijithali ngokuvamile zidinga ukuthi ulande uhlelo lokusebenza lwe-wallet yedijithali ku-smartphone yakho. Lezi zingadalwa yibhange ozikhethele lona noma nge umuntu wesithathu othembekile. Qiniseka ukuthi wenza ucwaningo lwakho futhi uqinisekise ukwethembeka kwenkampani ngaphambi kokunikeza imininingwane yakho yezezimali esicelweni.

Ngokuvamile, udinga ukuthola i-terminal yesistimu ye indawo yokuthengisa (POS) iyahambisana nesikhwama sakho semali yedijithali ukuze ukwazi ukusisebenzisa. Ngokuvamile, uzokwazi ukukukhomba ngophawu lokungathinteki oluboniswa ekuphumeni.

Ezinye izinhlelo zokudayisa zikuvumela ukuthi ukhokhe usebenzisa ubuchwepheshe be ukudluliswa kazibuthe evikelekile. Nakuba ukukhokha ngaphandle kokuthinta kungase kube nzima kakhulu ukukuthola, amasistimu amaningi ezindawo zokuthengisa angasekela izinkokhelo ngokudluliswa okuvikelekile kazibuthe. Ama-E-wallet asuselwa kubuhlakani bokwenziwa.

Uma usuthole isistimu ye-POS ehambisana nohlelo lwakho lwe-wallet yedijithali, ungavele ubambe i-smartphone yakho ifike ezingeni lokudayiswa ukuze ukhokhe. Kwesinye isikhathi ungakhokha ngqo ngohlelo lwakho lokusebenza.

Sebenzisa i-wallet yedijithali

Isikhwama ngasinye se-digital sifika nesethi yaso yezici ezihlukile. Kodwa-ke, ama-wallet amaningi azokuvumela ukuthi uhlanganise okulandelayo:

• Gcina imininingwane yekhadi lesikweletu neledebhithi ukuze wenze izinkokhelo.
• Yenza ukuthengiselana ku-inthanethi noma mathupha ngokuchofoza okukodwa.
• Thumela futhi wamukele imali nabangani, umndeni noma nabaqashi.
• Gcina imali futhi uthole ngezinye izikhathi inzalo kumadiphozithi.
• Xhumanisa i-akhawunti yezezimali ukuze uthumele futhi wamukele imali.
• Londoloza ulwazi olungakhokhi njengamathikithi ekhonsathi, amaphasi, amakhuphoni, amaphuzu okuklomelisa, njll.
• Thumela, wamukele futhi ugcine cryptoizinhlamvu zemali, njenge-Bitcoin.

Izinzuzo zesikhwama sedijithali

Ziningi izinzuzo zokusebenzisa i-wallet yedijithali, okuhlanganisa ukufinyelela okulula, ukunethezeka, kanye nokuphepha lapho wenza umsebenzi.

Ukufinyelela okulula

Ukufinyeleleka kungenye yezinzuzo eziyinhloko zokusebenzisa i-wallet yedijithali. Kunabantu emhlabeni wonke abangenakho ukufinyelela ohlelweni lwezezimali lwendabuko ngendlela yesikweletu kanye nekhono lokuthumela noma ukuthola imali.

Izikhwama zedijithali zivala leli gebe futhi zinganikeza abantu ukufinyelela okulula kokuthumela nokwamukela imali ngaphandle kokuvula i-akhawunti yezezimali. Lokhu kuvula iminyango yohlelo lwezezimali kubantu abaningi abebengeke balufinyelele ngaphambilini.

umkhuba

Izikhwama zedijithali nazo zingaba lula ukuzisebenzisa. Iningi linezinhlelo zokusebenza zeselula ezikuvumela ukuthi usebenzise i-inthanethi noma mathupha ngemizuzwana. Abathengisi abaningi bavumela abantu ukuthi bakhokhe ngokuthepha ocingweni lwabo, ikakhulukazi uma besebenzisa iwallet yedijithali I-Apple noma i-Google Pay.

Futhi banenzuzo eyengeziwe yokugcina amakhadi akho ehlelwe endaweni eyodwa futhi kungadingeki ukhumbule ukuletha isikhwama sakho semali lapho usohambeni, okuzuzisa kakhulu thina esivame ukukhohlwa izikhwama zethu lapho siphuma endlini.

Ivikela ulwazi

Amawalethi edijithali ngokuvamile abhekwa njengendlela evikeleke kakhulu yokugcina ulwazi lokukhokha kune-wallet ebonakalayo. Ngesikhwama semali, uma ukulahlekele, kuphelile.

Uma bekunemali esikhwameni, ngokuvamile ungacabanga ukuthi ngeke uyithole, futhi cishe kuzodingeka ukhansele noma imaphi amakhadi esikweletu obunawo lapho.

Ngakolunye uhlangothi, iwalethi yedijithali ivamise ukuvikelwa kusetshenziswa iphasikhodi yesikhathi esisodwa noma ukuqinisekiswa kwe-biometric kudivayisi yakho yeselula. Ngakho-ke noma ulahlekelwa ucingo lwakho oluqukethe isikhwama sakho semali, othile uzodinga ukuthi akwazi ukuvula ifoni yakho kanye nohlelo lwakho lokusebenza lwe-digital wallet, okungase kuvikelwe kokubili, ukuze athole ukufinyelela kulwazi lwakho.

Ukwengeza, abahlinzeki abaningi be-wallet yedijithali babhala ngemfihlo noma benze amathokheni ulwazi lwakho lwezezimali lapho wenza umsebenzi. Okusho ukuthi ngeke kwenzeke noma kube nzima ukuthi izigebengu ze-inthanethi zintshontshe ulwazi lwakho lwekhadi lesikweletu noma lasebhange.

Ukubi Okungenzeka Kwe-Digital Wallet

Naphezu kwezinzuzo eziningi ezingase zibe khona zokusebenzisa i-wallet yedijithali, ayikho ngaphandle kwezinkinga zayo.

Landelela izindleko zakho

Okunye okubi kakhulu yikhono labahlinzeki be-wallet yedijithali ukulandelela ulwazi lwakho lokuthenga. Izinkampani zigqugquzelwa ukuthi ziqoqe idatha mayelana nomlando wakho wokusebenzisa imali, okuthengile, okuthandayo nokungathandwa.

Umhlinzeki ngamunye uzoba nemithetho ehlukene mayelana nohlobo lolwazi abangaluqoqa. Ngakho-ke kungaba usizo ukufunda ukuphrinta okuhle lapho usetha isikhwama semali yedijithali.

Akwamukelwe yizo zonke izinkampani

Okunye okubi okungaba khona kokusebenzisa i-wallet yedijithali ukuthi akubona bonke abathengisi abangamukela izinkokhelo ezivela ku-digital wallet. Amanye amabhizinisi akhetha ukwamukela imali kuphela noma amasheke, nabanye abamukela amakhadi bangase bangawamukeli izinkokhelo kusuka esikhwameni sedijithali.

Kodwa-ke, ngokuhamba kwesikhathi lokhu kungase kungabi yinkinga njengoba ama-wallet edijithali esetshenziswa kabanzi futhi emukelwe.

Amawallet edijithali adumile emhlabeni jikelele

Ukuncintisana phakathi kwamawallet edijithali mubi. Abathengi manje banezinketho eziningi ezitholakalayo kubo. Ngokuvamile abantu bakhetha i-wallet yedijithali efana nohlobo lwedivayisi yeselula abayisebenzisayo.

Isibonelo, othile one-iPhone angakwazi ukusetha i-Apple Pay ngokushesha kudivayisi yakhe futhi aqale ukungeza imininingwane yakhe yokukhokha. Ngaphandle kwalokho, abasebenzisi be-Android ngokuvamile bazosebenzisa i-Google Pay njengoba isebenzisana namadivayisi e-Android. Abathengi bazophinde babe nezinketho ezahlukene abangakhetha kuzo kuye ngokuthi bahlala kuphi.

Isibonelo, I-Alipay ingesinye sezikhwama zedijithali ezaziwa kakhulu eChina. I-M-Pesa idume kakhulu e-Afrika.

Amanye amawallet edijithali awaziwayo afaka:

• Venmo
• Khokha i-Walmart
• Khokha i-Pal
• I-Alipay
• I-Vodafone M-Pesa
• Imali Yohlelo Lokusebenza
• Apple Pay
• I-Google Pay
• Samsung Pay

Ingabe izikhwama zedijithali ziphephile?

Nakuba usadinga ukukhathazeka mayelana nolwazi lwakho lomuntu siqu, izinhlelo zokusebenza ezihamba phambili ze-digital wallet zibhekwa njengeziphephile. Eqinisweni, aphephe kakhudlwana kunokuphatha ulwazi lwakho lwezezimali namanye amadokhumenti abucayi esikhwameni sakho semali.

Ukwengeza, zonke izinhlelo zokusebenza ezithembekile ze-digital wallet zibethela ngokuqinile ulwazi lokukhokha lwabasebenzisi bazo. Lokhu kwenza kube nzima ukuyekethisa uma ulwazi ludluliswa lusuka esicelweni luyiswe ohlelweni lokukhokha.

Lokhu kungasiza ukuvikela ulwazi lwakho uma umthengisi noma inkampani othenga kuyo inokuputshuka kolwazi noma ukugebenga.

Ngishiyele amazwana