Chii chinonzi chaiyo kadhi?

El electronic commerce Haisi vimbiso yeramangwana, kana maitiro, ichokwadi kuSpain neEurope. Ngatimbotaurai zvishoma nezvazvo zvemagetsi zvekutengeserana muSpain. Ndiyo nyika yechina ine inonyanya kushandiswa kweinternet muEurope, kunyangwe iri dambudziko ravepo kwemakore anopfuura masere chete munyika medu. Inofungidzirwa kuti mumwe muSpanish akaita 21 kutenga online mu2015, achishandisa avhareji € 661,62 imwe neimwe. Tiri kutaura nezve 10,8 bhiriyoni euros mukutengesa kweinternet.

Asi, zvisinei neizvi, kuchine kutya muvanhu vasina kujairana nazvo. electronic commerce, kuchengetedzwa kwakakura: kutya kwekunyepedzera kutengeserana, kuba chitupa, kukwirira kupfuura zvakarongerwa mhosva, uye kunyangwe kuvuza kwedata.

Chinhu chakanakisa kune vanhu ava ndicho kushandiswa kwemakadhi chaiwo, chigadzirwa chemari, chakasununguka munzvimbo zhinji dzemari, icho chinodzivirira kuchengetedzeka uye chinosiya kutya kwese kwambotaurwa pasina nharo. Nhasi tinoda kukubatsira kuti uzive zvirinani zvavari, izvo zvavanoshandira uye akanakisa chaiwo makadhi yegore rino, ichiri kutarisirwa senge

Ndeapi makadhi chaiwo?

Makadhi chaiwo ndeyekunyepedzera kuita kadhi rekubhengi, iro rinobatsira kuviga kuzivikanwa kweiye muridzi. Icho chigadzirwa chakagadzirwa chaizvo nhare kana internet kutenga. Mabhangi mazhinji anotopa sevhisi iyi: muakaundi yako yebhangi, unogona kugadzira kadhi, kwaunogona kuwedzera kana kubvisa chiyero kubva kuakaundi account.

Kadhi iro rine manhamba uye zuva rekupera, asi kwete zita remunhu. Sangano rega rega rine marongero aro, asi kazhinji zvinhu zvese zvinogona kugadziridzwa: chiyero, zuva rekupera rinogona kusarudzwa nemutengi.

Semuenzaniso, unogona gadzira chaiyo kadhi kuti iwe une € 300 yehuremu uye kuti zuva rekupera riri mukati mevhiki.

Chii chinonzi chaiyo kadhi?

Ndiimwe yemibvunzo inonyanyo bvunzwa na vatengi veSpanish masangano emari, kusanganisira Santander, BBVA, La Caixa, Liberbank kana Sabadell: aya makadhi chaiwo ndeapi?

Izvo zvese zviri zviviri zvakapusa uye zvakaomarara, nekuti mashandisiro uye mabhenefiti akawanda uye mukutaura pahwindo rebhangi rako, inogona kunge isiri nzvimbo yakanakisa yekuziva. Nezve izvo isu tichakubatsira iwe.

Chii chinonzi chaiyo kadhi?

• Unochengetedza hunhu hwako
• Makadhi chaiwo ane mutsa zvakakwana kuti avanze kuzivikanwa kwemuridzi wekadhi. Nei izvi zvichibatsira?
• Ichakubatsira iwe pamusoro pezvose kudzivirira kuba uye kuzivikanwa chitupa, sezvo paine software zhinji dzinoteedzera varidzi vemabhengi maakaundi anoshandiswa, ivo vanotoshandisa malware pamakomputa eizvi.
• Nenzira iyi, ivo vanozotadza kuziva muridzi weiyo chaiyo kadhi, sezvo isipo. Icho chinhu chinotyisa chekuvanzika.
• Iwe unodzivisa kudarika kwemari pane yako bank account

Una Kadhi rakapotsa chimwe chinhu senge makadhi ekare akabhadharwa eiyo nhare: iwe unogona kuwedzera bharanzi kana kuibvisa, uye wobata iyo huwandu chete.
Tichakupa muenzaniso uri nyore: iwe uchatenga Blue Ray kubva ku "The Walking Dead" iyo inodhura € 99, ​​uye yako account yekubhangi ine yako yese yekubhadhara ye € 900. Chero chikonzero chipi zvacho, iyo chaiyo mutengo ndeye € 108, sezvo iwe usina kuverenga mari yekutumira.

Zviri nyore, mune iri chaiyo kadhi iwe unowedzera chete 100 maEuro, uye nekudaro kudzivirira kushamisika mari. Taisa muenzaniso mudiki, asi zvinogona kuve zvakakosha mari dzinogona kuwedzera kwauri.

Iwe unogona, semuenzaniso, kugovera imwe huwandu kune yako shopping online, usingatyi kudarika bhajeti yaunayo.

Chero ani zvake anogona kuishandisa

Chinhu chidiki chinozivikanwa uye chakashandiswa makadhi chaiwo, ndezvekuti dzinozivikanwa zvakanyanya uye dzinoshandiswa nechero munhu kuita chero online yekutengesa. Mazhinji mabhizinesi emagetsi anogamuchira chaiwo makadhi echikwereti, achipa rusununguko kumutengi kuishandisa, uye unogona kuishandisa chero kupi zvako pasi.

Izvi zvinokutendera iwe kukweretesa mari pasina kukosha kwekuibata. Iwe unogadzira chaiyo kadhi, uye unoipa vana vako kana vazukuru, kuti vagone kutenga zvavanotenga uye iwe unodzora zvavanoshandisa pasina chero rudzi rweyakavanzika njodzi kana yakawandisa mari.

Deredza hupenyu hwese bhalansi yako

Pamusoro pekukwanisa kudzikamisa chiyero chekadhi chairo, kunzvenga kubhadharisa kunze kweizvo zvakange zvakarongwa, unogona zvakare kuseta zuva rekupera

Chii chinogona kukuitira iwe?

Zvichitaurwa zviri nyore, kana mumwe munhu akabata iyo data, hupenyu hwekadhi ishoma, uye ivo havazokwanise kuishandisa kupfuura chiyero uye zuva rekupera.
Uye zvakare, ivo vanozvipa hunhu hwemakadhi anoraswa, unova ndiwo musimboti wemakadhi chaiwo, akadai semakadhi akabhadharwa kune yako nhare. Iko hakuna kuchinjika muchinangwa chako

Zvakanakisa izvi makadhi chaiwo, ndeyekuti haigone kushandiswa kunze kwezvinangwa zvavo zvekutanga. Ndokunge, kana iwe ukagadzira iyo chaiyo kadhi mune yako yezvemari institution, haigone kushandiswa, semuenzaniso, munzvimbo yepanyama ichipa iyo kuverenga, uye iwe chete kana chero munhu ane iyo kadhi nhamba, anogona kuishandisa.

Iwe unozvidzivirira kubva kune hacks

Rangarira Ashley Madison kubira? Kana zvisiri, tinokuudza nekukurumidza. Iyo inzvimbo yekufambidzana yekusangana pabonde. Mubiridzi akaba uye akaburitsa data remamiriyoni evatengi vake pasirese, kusanganisira vezvematongerwo enyika, vane mukurumbira uye vanhu ... kusanganisira makadhi avo echikwereti.

Na Kadhi rakazara Iwe unodzivirira iyi mhando yechiitiko uye chengetedza kusazivikanwa kwako uye chengetedzo yako, pamusoro pezvose.

Nenzira iyi unodzivisa kwete chete kushandiswa apo data rinogona kubiwa pane mawebhusaiti pawakatenga, kana isina kudzivirirwa, saiti iyoyo, ruzivo rwevatengi vayo nenzira yakakodzera.

Ndeapi makadhi chaiwo asiri e?

Zviripachena, isu tinofanirwa kukuudza zvinhu zvisina kukodzera makadhi ako chaiwo, nekuda kwekuti haasi awo. Isu tinokuudza mamiriro ezvinhu ausingafanire kushandisa chaiwo makadhi.

Nguva nenguva kubhadhara

Pane masevhisi pasi pekunyoreswa kana nzira yehunhengo, seNetflix, Yomvi, kana mamwe masevhisi anobhadharwa nguva nenguva, anogona zvakare kuve masevhisi akadai sekushandisa kana software yebasa rako.

Nemasikirwo ayo, kupera kwemakadhi aya kudiki. Chishandise chete kana iwe uchida kudzikisira kushandiswa kweshumiro uye kuve unoshanda chete kwenguva yekadhi rako. Nenzira iyi unodzivirira kukanganwa kana uchiita kubhadhara kune yako yakajairwa kadhi.

Zvisinei, isu tinokurudzira kuti tisashandise izvi zvinangwa, musimboti wemakadhi chaiwo anofanira kuraswa, kushandisa nekurasa.

Kugamuchira kudzoka

Un kusagadzikana kwekutenga nemakadhi chaiwo ndiko kuti, kana iwe ukatenga nharembozha online, semuenzaniso, uye ikasvika yakaremara uye iwe ukakumbira kudzoreredzwa, uchave nematambudziko, kunyanya kana kadhi ratopera.

Kana iwe uchizotenga chimwe chinhu chinosanganisira kuchinjana kana kudzoka, tanga watarisa kuchitoro mutemo wavo wemakadhi chaiwo, kudzivirira matambudziko, kunyangwe kushandiswa kwavo kwatova kwakawanda, kuchine mabhizinesi mazhinji asina mutemo wakajeka pakubata mhando iyi yezvigadzirwa.

Ndekupi kwekutora yangu chaiyo kadhi?

Mazhinji masangano ezvemari anotova nebasa iri rakakumbirwa nevakawanda, vamwe vanotomanikidza kushandiswa kwaro pakutengesa internet, nekudaro vachidzivirira kuchengetedzeka kwevatengi vavo, vangave vachizvida kana kwete.

Kana iwe uchida kushandisa chaiyo kadhi, uye iwe uchida kuziva zvakanakira, isu takaongorora zvakanakisa makadhi chaiwo pamusika kuSpain, nemutengo wadzo uye zvakanakira yega yega. Mazhinji acho akasununguka kune vatengi kana iwo mitengo iri yakaderera kwazvo. Mune zvimwe zvinhu havashambadze mamiriro ekushandisa, uye isu takaisa "Kutaurirana".

HUNHU	Mutengo	DESCRIPTION
BBVA	Mahara	Iwe unogona kuibatanidza neiyo app yefoni yako, uye uve nemhedzisiro isingazivikanwe mukushandiswa kwemakadhi ako.
Unicaja Bank	Mahara	Haisi kadhi rakabhadharwa, uye unogona kuridzora kubva kuhofisi yako chaiyo.
Liberbank	Kubvunza	Inoshanda sekadhi rakabhadharwa pasina kupa kusazivikanwa. Une inishuwarenzi kana pakuba kana kubiridzira.
Iyo Caixa Bank	1% pachiyero chakadzoreredzwa	Iwo manejimendi anoichengetedza neCaixaProtect, iyo zvakare inopa € 5 kana iwe ukaita maviri akatenga e € 10 mashoma.
Banco Sabadell	Kubvunza	Iyo isingazivikanwe prepaid kadhi iyo inogona kuendeswa kune wechitatu bato. Inopa mukana wekugona kuzvishandisa sechipo.
Bankia	Mahara	Inodzivirira mashandiro ese eiyo chaiyo kadhi neayo tekinoroji inonzi 'Yakachengeteka Kubhadhara'.
EVO Bank	Mahara	Iwe unogona kugadzira risingaperi nhamba yemakadhi anoenderana neyako kadhi kadhi, panzvimbo yeako bank account.
Santander	Mahara kana iwe ukatenga zvitatu	Iwe unogona kuchaja iyo chaiyo kadhi kubva kuaccount yako yepamhepo senge mune chero 4B ATM.
BoxSea	Mahara	Iwo makadhi chaiwo iVISA, iyo inovimbisa kugamuchirwa kwavo muhuwandu hwemabhizimusi kutenderera pasirese.
novanca	Mahara	Iyo kadhi rechargeable kumaATM, uye inoshanda pasi peMastercard.
open bank	Mahara	Inodzoreredzwa kumaATM, uye ine inishuwarenzi yekufambisa yemadhorobha ye120 zviuru zveeuro.
ONE-e	Mahara	Shield kuchengetedzeka zvakanyanya nekuda iyo PIN yekadhi rako hombe pachiitiko chega chega chaunoita.
kutxabank	Mahara	Iyo inoshandisa iyo VINI system, uye mutengi anogona kusarudza kupera zuva rekadhi rega rega.