A cikin wannan zamanin fasaha da albarku Ba sabon abu bane gano cewa babban ɓangare na ayyukan ɗan adam an sanya su cikin lambobi, daga ayyukan kamar siyayya, biyan kuɗi, tsakanin wasu da yawa, a halin yanzu mutane suna rayuwa a cikin duniya dijital fiye da ainihin; amma don wannan ya wanzu digitization na ayyukan ɗan adam Dole ne ya zama akwai mahimmin bayani, digitization na kudi, kuma shi ne cewa in ba tare da shi ba ba za mu iya aiwatar da wani daga cikin ayyukan da aka ambata ba.
Don haka ta hanyoyi da yawa zaku iya magana a cikin ainihin kuɗin jiki da kuɗin dijital, kuma saboda ci gaban da ke wanzu, ana iya raba wannan rukuni na ƙarshe na kuɗin dijital zuwa kashi biyu, kuɗin kama-da-wane da kuɗin dijital na ainihi. Don sauƙaƙe wannan, bari mu ambaci cewa akwai agogon da aka yi, cewa ba su da ƙimar da wata gwamnati ta ba su ko ta tsara su, kuma cewa rayuwarsu ta zahiri ba za ta iya ci gaba ba; A gefe guda, mun sami ainihin dijital kuɗi, wanda shine wanda ke cikin asusun ajiyarmu, ma'ana wannan kuɗin ana iya canzawa cikin sauƙi kuma ana iya canza shi daga dijital zuwa na ainihi a cikin tashar banki. Kuma a ƙarshe mun sami na zahiri ko na gaske, waxanda duk tsabar kudi da takardar kudi ne da za mu iya tabawa.
Amma na duka dama da dama cewa zamu iya samun yau zamu ambaci takamaiman, katin kuɗi, hanyar da aka ƙirƙira don daidaita yawancin ƙungiyoyin ɗan adam da ma'amaloli, kuma hakan yana yiwuwa ta hanyar digitization na ainihin kuɗi, bari mu ƙara koyo game da wannan nau'in katunan, fa'idodin su da aikin su.
Katin walat
An buga wannan katin azaman Tsarin biyan kuɗi da yawa; Ofaya daga cikin rukunin wannan tsarin shine biyan kuɗin da aka yi da wannan nau'in katin shine cewa biyan kuɗi ne na ƙananan kuɗi, amma masu girma sosai. Gabaɗaya, waɗannan nau'ikan ƙananan kuɗin suna buƙatar a babban gudun don rage lokutan sabis, amma kuma yana buƙatar manyan matakan tsaro, tunda, saboda yawan kuɗin da aka yi, gano kuskure a cikin tsarin na iya zama mai rikitarwa.
Da zarar an gano matsalar sosai, sai aka kirkiro hanya mai sauri da sauƙi don magance ta, kuma sakamakon haka katunan walat. Waɗannan katunan haɗi tare da tsarin da ke ba su damar aiki suna da babban taimako a yau.
Bari mu gani mu bincika wasu fa'idodin cewa waɗannan katunan suna ba da izini. Abu na farko shine cewa mai amfani ya guji layuka da yawa, ma'ana cewa cunkoson mutane a wuraren biyan kuɗi na kamfanoni ya ragu sosai. A sakamakon wannan mun sami cewa an sami lokaci mai yawa wanda a baya aka ɓata cikin tsarin biya; Wannan yana nufin cewa inganci da saurin sabis ɗin abokin ciniki suna da yawa ƙwarai.
Wata fa'idar da wannan tsarin ya kawo shine cewa yana da sauri, mai sauƙin amfani kuma yana da amfani sosai. Zamu iya ganin wannan a cikin lokacin lokacin da muka je kantin sayar da kayan jiki muka biya tare da katin walat; amfani da shi yana da sauki sosai, kuma yana da tasiri sosai.
Aya daga cikin halayen da aka ambata a farkon labarin shine tsaro, wannan tsarin yana baka damar saurin mu'amalar kuɗi daga wannan zuwa wancan, amma wannan yana tabbatar da cewa duka ɓangarorin sun yarda cewa an aiwatar da ma'amalar, don haka tsarin tsaro da aka aiwatar domin a sami sarrafa wannan nau'in ma'amala, don haka kudinmu da mu'amalarmu suna cikin aminci.
Hakanan yana taimakawa yaƙi ɗaya daga cikin manyan matsaloli a kasuwanci A lokacin biyan kuɗin samfuranmu ko ayyukanmu, kuma sau nawa ya faru da mu cewa muna da tikiti ɗaya kawai da za mu biya, kuma maaikatan sun ambaci cewa ba su da canji, wannan aikin da ake kira da lalata, abu ne da ya zama ruwan dare , amma me aka kaurace masa walat kati, tunda adadin ma'amala yayi daidai da farashin kayayyakinmu, don haka wannan matsalar ba ta wanzu, kuma muna kauce wa wannan hanyar ana ajiye mu a cikin akwatin na tsawon lokaci, lokacin da za mu yi ƙoƙari mu sami tsabar kuɗin zuwa iya kammala ma'amala.
Bugu da kari, ya kamata a lura cewa wannan tsarin biyan kudin yana da yawa sosai kamar yadda kamfanoni masu yawa suka karba, yana yiwuwa mu ma mu biya sufurin jama'a ta amfani da wannan tsarin. Ba tare da wata shakka ba, duk waɗannan fa'idodin suna da fa'ida, kuma suna ba da damar tanadi mai yawa.
Ayyukanta
Hanyar waɗannan katunan suna aiki ta hanyar a lantarki guntu, wanda ke ba da cikakken iko kan ma'amalolin da muke aiwatarwa; Wannan guntu yana matsayin wanda ke kula da gano asusunmu, wanda muke da tabbacin cewa namu ne, kuma za ayi mana cajin adadin da muka karba.
Don haka mun riga mun san yadda ake samun asusunmu, amma yaya batun kuɗin? Gaskiyar ita ce, abu ne mai sauƙin gaske, da zarar mun ba wa mai karɓar katinmu, asusunmu ya gano, da zarar hakan ya faru, zan iya sake biyan kuɗin da muke so, daga eurosan kuɗi kaɗan zuwa adadin da muke so ko ba mu da izinin hakan adana, ta wannan hanyar ma'amala ana yin ta da kuɗi na gaske; kodayake yana yiwuwa muma muna biyan kuɗi zuwa katin walat ɗin mu ta amfani da katin kuɗi ko katin kuɗi. Ta wannan hanyar zamu iya sarrafa kasafin ku da kyau, ba da wani adadin kawai ga wani samfura ko shago.
Wataƙila akwai yiwuwar wannan katin yana da alaƙa da katinmu na banki ko na cire kudi, wannan domin kada mu taba cika ma'auni, ko kuma cewa ma'aunin da muke da shi bai isa mu iya sayan ko biyan kudin ayyukan da aka bayar ba. Kodayake gudanar da kudaden katin walat kuma amfani da shi kwata-kwata gwargwadon ikon mai katin.
Katin kuɗi a Spain
Daga cikin nau'ikan katunan jaka da suke wanzu, a cikin sipaniya za mu iya samun waɗannan masu zuwa:
- Na farko shine jakar 4B, wanda ƙungiyar 4B ke amfani dashi musamman, don haka idan muna son ƙarin sani game da ayyukanta zamu iya buƙatar bayanin akan gidan yanar gizon ƙungiyar da aka faɗi.
- Kudin EURO 6000, wannan katin walat an bayyana shi ta Spanishungiyar Mutanen Espanya ta Banki, kuma tushe yana cikin CEN WG10; Wannan jaka, saboda yanayinta, yana da yawa kuma ana karɓa a cikin cibiyoyi da yawa, kodayake ana ba da shawarar cewa muyi nazarin lafuzzan amfani da yanayin da dole ne mu kiyaye su idan muna son amfani da shi.
- VISA CASH walat; VISA ce ta ayyana wannan katin walat, kuma ya dogara ne akan TIBC, wanda shine Smart Card na Bankuna da Bankunan ajiya; Kodayake ya kamata a sani cewa ɗayan mawuyacin lalacewar wannan nau'in katin shine cewa babu hulɗa tsakanin su, wannan yana haifar da ɗan rikitarwa al'amuran gudanarwa da wasu ma'amaloli, amma duk da haka an riga an yi ƙoƙari da yawa don haɓaka hulɗar don yin don haka. sauƙaƙe amfani da katunan ga mai amfani.
- VMEs; Wannan katin walat shine Europa da MasterCard VISA, kuma mizani ne wanda EMVCo ya fara shi, a cikin 1999, wannan katin yana aiki ne albarkacin haɗin Europay, MasterCard da Visa, waɗanda sune manyan kamfanoni a cikin abin da ake magana da shi zuwa musayar lantarki . Babban amfani da waɗannan katunan shine don sarrafawa da haɓaka ƙayyadaddun aikace-aikacen aikace-aikace, har ma da tashoshi da katunan kaifin baki, waɗanda aka yi don haɗaka, gwargwadon yiwuwar, ma'amalar waɗannan katunan.
- CEPS, waɗannan sune theayyadaddun Bayani na Wallet na Wuta; Wannan daidaitaccen ya samo asali ne daga Mutanen Espanya CEPSCO, AIE, EURO Kartensysteme, Europay da Visa; kuma makasudin wannan ƙungiyar shine don samun damar bawa mai amfani da katin walat wanda zai iya aiki a duk duniya, don haka amfani da shi ba'a iyakance shi kawai aiki a cikin ƙasa ko Turai ba. Saboda haka, galibin ayyukansa ya fi abin da sauran katunan da muke samu a kasuwa ke bayarwa.
Shakka babu wannan tsarin wani abu ne mai rikitarwa wanda ya buƙaci aiki mai yawa daga ɓangaren cibiyoyin kuɗi waɗanda suka tsoma baki cikin ƙirƙirar ta, kuma shine tsarin da zai iya yin aiki daidai ana buƙatar ci gaban fasaha da kayan aiki, don haka duk abin da aka ambata a sama za a iya samarwa ga mai amfani.
Amfani da ɗayan waɗannan katunan Babban fa'ida ne, tunda hakan yana saukaka biyan kudi, baya ga barin mu mu sami karfin iko kan kananan kudaden da muke sanyawa a kai a kai, kuma wannan zai bamu damar samun kudi na kashin lafiya, inganta ayyukan mu da kuma tsarin rayuwar mu ta hanyoyi ba mu yi la'akari da shi ba.