Kodi banki yadijito ndi chiyani?

makanki a digito Digital banking ndichinthu chatsopano komanso chatsopano pamabanki momwe mungachitire bwino pafoni yanu. Kuti mukhale ndi mwayi woyang'anira ndalama zanu. Ndi ntchito zenizeni zomwe ndizosiyana ndi mabanki omwe amawoneka ngati wamba. Komwe mungakhale, ndiye kuti, ganyu, zonse zomwe mwakhala mukugwiritsa ntchito mpaka pano ndi banki yanu yanthawi zonse. Monga, mwachitsanzo, maakaunti osunga ndi makhadi aku banki. Koma chopindulitsa kwambiri ndikuti mutha kuwalemba ntchito kwaulere, osagwiritsa ntchito ndalama zilizonse.

Zachidziwikire, kubanki ya digito ndi njira yatsopano yoyendetsera yomwe yawonekera posachedwa chifukwa cha zosowa zatsopano za ogwiritsa ntchito. Poganizira kuphulika komaliza umisiri wazidziwitso. Kotero kuti mwanjira iyi, muli m'malo abwino kuti mupindule ndi mitundu yatsopano yamabanki. Lingaliro lina lomwe kuvomerezedwa kwa banki yadijito kumatanthauza kuti ntchito zonse zichitike pa intaneti ndipo koposa zonse munthawi yeniyeni. Simungowononga nthawi ndipo musunganso ndalama zambiri kuposa pano.

Komabe, limodzi mwamavuto akulu omwe muli nawo ndikuzindikira zinthu zomwe zimawerengedwa kuti ndi banki yadijito. Nawa malingaliro monga momwe aliri lero Smart EVO, N26, mwa zina mwazofunikira kwambiri. Koma musadandaule chifukwa siawo okha chifukwa ndi gawo lomwe likukula mokwanira motero mabungwe atsopano amabanki azikhalidwezi akuwonekera. Momwe zinthu zomwe amapereka zimafanana kwambiri ndipo zimangosiyana pakulimbikitsidwa ndi njira zawo zamalonda.

Digital banking: imapereka chiyani?

misonkhano Makhalidwe atsopanowa pakuwongolera mabanki amakulolani, mwachitsanzo, kuti simukuyenera kudikiranso tsegulani akaunti kapena pangani khadi kubweza. Musaiwale kuti mtundu wawo woyang'anira umatengera foni. Ichi ndi chimodzi mwazifukwa zazikulu zomwe wosuta yemwe amagwiritsa ntchito lingaliro lamabanki ndiye gawo laling'ono kwambiri laanthu ndipo amagwiritsidwa ntchito kugwiritsa ntchito zida zamatekinoloje zamitundu yonse. Iwo salinso ngati makolo awo omwe akuyenera kupita kunthambi yaku banki kukagula ndi kugulitsa masheya pamsika wamsika, kulembera makhadi obwereketsa kapena kusamutsa mayiko ena. Tsopano kuchokera ku banki yadijito amatha kuchita zonsezi ndi zina zambiri kuchokera kwa iwo Smartphone

Chofunikira chokha kuti mupeze mtundu watsopanowu wa kusamalira ndalama ndikupereka chida chamatekinoloje chomwe chimagwirizana ndi kugwiritsa ntchito banki yadijito yosankhidwa nthawi zonse. Mukathetsa vutoli, simudzakhala ndi chifukwa chomugwiritsira ntchito ntchitoyi kuyambira pano. Kupatula kukhala wazaka zovomerezeka ndikupereka dzina lanu ndi chikalata chovomerezera kuti muthe kugwiritsa ntchito nthawi yeniyeniyi. China chake chomwe chikupezeka kwa ogwiritsa ntchito onse pano.

Ntchito zomwe mungakhale nazo

Zina mwazofunikira kwambiri pazomwe zimatchedwa banki yadijito ndi zabwino zomwe zingakupatseni kuyambira pomwe mudzakhale kasitomala. Chifukwa inde. Ndiochuluka komanso ndi osiyana siyana monga momwe muwonera kuyambira pano. Zachidziwikire, imodzi mwazinthu zofunika kwambiri kuchokera kwa makasitomala atsopano ndizomwe zimakhudzana ndi kukhululukidwa ndi ndalama zina pakuwongolera kapena kukonza. Sizikugwira ntchito pamaubwenzi anu okha ndi izi banking wapadera kwambiri. Ngati sichoncho, m'malo mwake, ndizovomerezeka kupanga mitundu yonse yamaakaunti osunga kapena makhadi aku banki. Ndi zomwe mumasunga chaka chilichonse zimakhala zamphamvu kwambiri kuposa pano.

Kumbali inayi, njira iyi kubanki imakupatsani mwayi wa kusinthasintha kwakukulu mukugwiritsa ntchito ndalama zanu. Mpaka kuti akupatseni zida zofunikira kuti muthe kukhala nazo (kupereka macheke kapena kusamutsa). Zomwe zimawonjezeredwa mndandanda wazinthu zina zomwe zitha kukhala zothandiza patsamba lanu. Kodi mukufuna kudziwa ena mwa iwo? Chabwino, samalani pang'ono kuti mwina masiku angapo otsatira mupanga mgwirizano ndi banki yazikhalidwezi.

Kuchokera pamakhadi mpaka kutulutsa ndalama

makadi Zachidziwikire, maubwino ake ndi osawerengeka ndipo alibe kusiyana kwenikweni pamabanki omwe amawoneka kuti ndi achikhalidwe kapena wamba. Zina mwazi ndi zopereka zotsatirazi zomwe timakufotokozerani pansipa.

  • Kukhazikitsa kwa makadi Omasuka kwathunthu kuyambira pachiyambi, bola ngati mupanga osachepera kamodzi pamalipiro a kotala.
  • Mwakonzeka kwathunthu kuyambitsa kapena kutseka malipiro Intaneti kapena kunja. China chomwe chimagwira ntchito kwambiri mukamapita kunja.
  • Limakupatsani kulipira ndi kutapa ndalama za ndalama pa ATM iliyonse padziko lapansi yopanda mabungwe. Ngakhale kulibe malire, koma akupatsani mwayi woti muchite kuchuluka kwa machitidwewa.
  • Ubwino wake wina umakhala chifukwa chakuti padzakhala ndalama zambiri zomwe mudzasunge pazochitika zonse za kubanki. Kuposa kudzera m'mabanki omwe mumakumana nawo pafupipafupi.
  • Mbali inayi, mutha kugwira ntchito ndi ndalama zosiyanasiyana kusintha. Kuti sizingokhala zokhazokha kudera ladziko, komanso kunja kwa malire athu. Ndi zomwe mukuchita padzakhala mayuro ambiri omwe musunge kuyambira pano.

Zofunikira kuti mupeze bankiyi

Tsopano muyenera kudziwa ngati mukukwaniritsa zofunikira kuti mukhale gawo la makasitomala atsopanowa. Osadandaula, chifukwa mulibe zodabwitsa zilizonse zovuta ndipo munthawi yochepa mudzatha kugwiritsa ntchito zambiri mwazinthu zachuma. Chifukwa kuyambira pachiyambi ena anu zaumwini zofunikira kwambiri. Zina mwazofunikira kwambiri ndi nambala yanu yafoni, imelo ndi zip code. Zomwe zatsala ndikutsimikizira zikalatazi ndipo ngati zonse zikuchitika moyenera mu mphindi zochepa mudzakhala m'modzi mwa makasitomala amabanki adigito.

Kuti mwanjira iyi, mutha kuyamba kuchita ntchito zanu zoyambirira kapena kutenga makhadi anu atsopano tsopano. Zonse munthawi yeniyeni komanso osadikirira kwa nthawi yayitali pochita izi. Chifukwa chakuti, ndalama zomwe zimapangidwa ndi banki yadijito sizongokhala ndalama zokha, komanso mu kugwiritsa ntchito bwino nthawi yanu. Ndichinthu chomwe mudzafunikiranso kuwunika kuti muwonetse ngati kuli koyenera kuti inu mugwiritse ntchito lingaliro latsopanoli la banki lomwe likukhazikitsidwa padziko lonse lapansi.

Nthawi yomweyo vuto lalikulu

pa mzere Nthawi yomweyo ndichimodzi mwazomwe zimadziwika kuti zomwe zimadziwika kuti banki yadijito. Kusuntha konse kumatha kuchitidwa nthawi yomweyo, osadikirira masekondi ambiri kuti apange. Kuchokera pakutumiza kapena kulandira kusamutsidwa pafupifupi nthawi yomweyo kuti mupeze zidziwitso zamtundu uliwonse munthawi yeniyeni. Kuti mwanjira iyi, mutha kugwiritsa ntchito bwino ndalama zanu. Kuchokera kunyumba kwanu kapena kumalo ena kumene inu muli, ngakhale kumalo opita kutchuthi. Chifukwa muyenera kungoyendera limodzi ndi mafoni omwe ali ndi pulogalamu yogwirizana ndi ntchito yosankhidwa ya banki yadijito.

Komabe, vuto lalikulu pamtundu wamabankiwu ndikuti zomwe akupereka pano sizamphamvu kwambiri. Pakadali pano, mabungwe angapo okha ndiomwe asankha kudumpha ndikulowetsa mtundu wa digito. Chifukwa chake kukwezedwa sikosiyana kwambiri ndi inzake. Ngati sichoncho, amakhala otsika njira zofananira zamabizinesi. Ndipo chinthu china chofunikira kwambiri chomwe muyenera kukumbukira kuti zomwe simudzapeza mgulu la zinthu zapaintaneti ndi ma ngongole omwe mumawadziwa kubanki yachikhalidwe. Mwanjira imeneyi, mwayi wamabizinesi udzakhala wocheperako.

Kufunsira kwa mayendedwe aku banki

Mulimonsemo, pali chinthu chimodzi chomwe mungadalire kuyambira pano ndipo sichachidziwikire kuti mudzakhala nacho tengani malonda omwe mukufuna (maakaunti, makhadi, ndi zina zambiri). Kumbali inayi, mudzatha kuyendetsa bwino ndalama zanu zonse, ndi zopereka zomwe zidzachitike munthawi yeniyeni. Zomwe zingakuthandizeni kukonza zidziwitso zokhudzana ndi momwe mungagwiritsire ntchito banki kapena kasitomala.

Ndipo ngati mukufuna, mutha kulepheretsa khadi yanu ngati zingachitike mwadzidzidzi zomwe zingakhudze kuchuluka kwa akaunti yanu yowunika. Zonsezi popanda ndalama zina zowonjezera zolandirira ntchito zamtunduwu. Koma kukumbukira kuti mukukumana ndi lingaliro losiyana kwambiri ndi banki lomwe silikudziwikabe. Ili ndi chitukuko champhamvu kwambiri chomwe chidzapangidwa chaka ndi chaka komanso mogwirizana ndi kupita patsogolo kwatsopano komwe kudzachitike muumisiri. Mulimonsemo, iyi ndi njira ina yomwe muyenera kukhalabe ndiubwenzi ndi mabanki, ngakhale munjira zosiyanasiyana.


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