Dhijitari kubhengi ipfungwa nyowani uye ine hunyanzvi mumabhengi masevhisi aunogona kuita zvakanaka kubva kunharembozha yako. Saka kuti iwe uri munzvimbo yakakwana yekutarisira nekutarisira mari yako. With chaiyo-nguva mashandiro chinova chinhu chakasiyana nemabhangi anoonekwa seanowanzoitika. Iko kwaunogona kuve nako, ndiko kuti, kuhaya, zvese zvigadzirwa zvawanga uchishandisa kusvika parizvino neyakajairika bhangi. Kunge, semuenzaniso, maaccount ekuchengetedza uye makadhi ebhangi. Asi chinobatsira kwazvo ndechekuti iwe unogona kuvashandira mahara, pasina chero rudzi rwemari.
Ehe, digital banking ndeye nyowani manejimendi modhi yakabuda munguva dzichangopfuura nekuda kwezvitsva zvinodiwa nevashandisi. Tichifunga nezve kuputika kwekupedzisira ruzivo ruzivo. Saka kuti nenzira iyi, iwe uri mune yakanakisa mamiriro ekuti ubatsirwe kubva kune nyowani manejimendi mamodheru ekubhengi. Kumwe kufunga uko kugamuchirwa kwedhijitari kubhengi kunoreva ndekwekuti mashandiro ese achaitwa online uye zvakanyanya kukosha munguva chaiyo. Iwe hautambise nguva uye iwe zvakare ucha chengetedza imwe mari kupfuura kusvika ikozvino.
Nekudaro, rimwe rematambudziko makuru auinaro nderekuzivisa masangano anoonekwa seanobhuroka edigital. Zvakanaka, heano mamwe mazano sezvaari nhasi Smart EVO, N26, Pakati pezvimwe zvakakosha. Asi usazvidya moyo nekuti havasi ivo voga sezvo iri chikamu mukuwedzera kwakazara uye nekudaro matsva emabhangi emhando yeaya maitiro ari kuoneka. Mune izvo zvigadzirwa zvavanopa zvakafanana uye zvinongopa mutsauko uriko unosimudzirwa kubva kumatongerwo avo ekutengesa.
Dhijitari kubhengi: chii chainopa?
Aya maitiro matsva mukutungamira kwebhangi anotendera iwe, semuenzaniso, kuti haufanire kumirira zvakare vhura account kana contract kadhi debit. Iwe haugone kukanganwa kuti ayo manejimendi modhi yakavakirwa parunhare mbozha. Ichi ndicho chimwe chezvikonzero zvikuru nei chimiro chemushandisi chinosarudzira pfungwa iyi yekubhanga ndicho chidiki pane chikamu chevagari uye icho chinoshandiswa pakushandisa marudzi ese ezvishandiso zvetekinoroji. Ivo havachafanane nevabereki vavo vanofanirwa kuenda kubhangi bazi kunotenga nekutengesa masheya pamusika wemasheya, kuhaya kiredhiti kadhi kana kuita kuchinjisa kwenyika. Iye zvino kubva kudhijitari kubhengi vanogona kuita ese mashandiro uye zvimwe zvakawanda kubva kwavari Nhare
Izvo chete zvinodikanwa kuti uwane iyi yekuvandudza modhi ye kutarisira kwemari ndeyekupa chishandiso chehunyanzvi chinoenderana nekushandisa kwedigital banking yakasarudzwa nguva dzese. Kana iwe ukagadzirisa iri diki diki, iwe unenge usina kana chikonzero chekushandisa sevhisi iyi kubva zvino zvichienda mberi. Kunze kwekuve wezera repamutemo uye kupa chako chitupa uye gwaro rinokubvumidza iwe kuti ugone kuve mushandisi kubva panguva dzino chaidzo. Chinhu chinowanikwa kune vese vashandisi panguva ino.
Iwo masevhisi aunogona kuve nawo
Chimwe chezvinhu zvakakosha kwazvo pane izvo zvinonzi kudhijitari kubhengi iwo mabhenefiti auchazokupa iwe kubva panguva yaunova mutengi. Nekuti zvirokwazvo. Iwo mazhinji uye akasiyana echisikigo sezvauchaona kubva zvino zvichienda mberi. Ehezve, imwe yemipiro yakakosheswa nevatengi vatsva ndeye iyo ine chekuita neiyo komisheni kusunungurwa uye zvimwe zvinoshandiswa mukutarisira kana kugadzirisa. Izvo zvinoshanda kwete chete kunehukama hwako neyakajairwa masevhisi eizvi banking yakakosha. Kana zvisiri, pane kudaro, zvinoshanda pakubvumirana mhando dzese dzekuchengetedza maakaundi kana makadhi ebhangi. Nezvese zvaunochengetera gore rega rega zvichave zvine simba kupfuura nhasi.
Kune rimwe divi, iyi sarudzo mumabhengi inokutendera iwe kuchinja kukuru mukugadzirisa mari yako. Kusvika padanho rekuti ivo vanokupa iwe nematurusi anodikanwa kuitira kuti iwe ugone kuva nawo (kupihwa cheki kana kuwedzeredzwa). Kune izvo zvinowedzerwa zvimwe zvakateedzana zvezvinhu zvinogona kubatsira zvakanyanya kune yako mushandisi chimiro. Iwe unoda here kuziva mamwe acho? Zvakanaka, nyatsoteerera kuitira kana mumazuva mashoma anotevera iwe uchizogadzira chibvumirano nebhangi rehunhu uhwu.
Kubva pamakadhi kusvika pakubvisa mari
Ehezve, mabhenefiti acho asingaverengeke uye pasina chairo misiyano zvine chekuita nemabhangi anoonekwa senge echinyakare kana akajairika. Pakati payo pane inotevera mipiro yatinokufumura pazasi.
- Kugadziriswa kwe makadhi Yakazara yemahara kubva pakutanga, sekureba sekunge iwe uchinge uchinge uchinge uchinge uchinge uchinge uchiteedzana chekota yekubhadhara.
- Wakagadzirira zvizere kuita kana kusamisa kubhadhara paIndaneti kana kunze kwenyika. Chinhu chine kushanda kwayo kukuru kana uchienda kunze kwenyika.
- Inokutendera iwe kubhadhara uye kubvisa mari mari chero ATM iri munyika isina makomisheni. Kunyangwe isina muganho, asi ivo vanokupa iwe mukana wekuita imwe nhamba yekushanda kweaya maitiro.
- Imwe yemabhenefiti ayo inogara mune yekuti kuchave nemari zhinji yezvehupfumi yauchachengeta mune yega yega yemabhengi mashandiro. Kupfuura kuburikidza nemabhangi aunoshanda nawo nguva zhinji.
- Kune rimwe divi, unogona kushanda nemari dzakasiyana siyana kuita shanduko. Kuti ivo havana kungogumira kune nyika nharaunda, asiwo kunze kwemiganhu yedu. Neicho chiri mukuita pachave nemazhinji maeuro auchachengetedza kubva zvino zvichienda mberi.
Zvinodiwa kuti uwane iri bhangi
Iye zvino iwe chete unofanirwa kuziva kana iwe ukasangana nezvinodiwa kuti uve chikamu cheichi chitsva vatengi. Usatombo kunetseka, nekuti iwe hauna kana chinoshamisira zvakanyanya kushamisika uye munguva pfupi iwe unozogona kushanda nezvakawanda zvezvinhu izvi zvemari. Nekuti kubva pakutanga chete vamwe vako ruzivo rwemunhu inonyanya kukosha. Pakati pezvakakosha pane yako mbozhanhare nhamba, email kero uye zip kodhi. Chasara ndechekuongorora magwaro aya uye kana zvese zvikaitwa nemazvo mumaminetsi mashoma iwe unenge uri mumwe wevatengi vemabhengi edigital.
Saka kuti nenzira iyi, unogona kutanga kuita kwako kwekutanga mashandiro kana kubatirana ako matsva ekubhadharisa makadhi izvozvi. Zvese munguva chaiyo uye pasina kumirira kwenguva yakareba mumaitiro. Nekuti zvirizvo, iyo mari inochengetwa nedhijitari kubhengi haisi chete mune yemari mamiriro, asiwo mune iyo kushandisa nguva yako wega. Icho chinhu chauchazofanira kuongorora kuti uratidze kana zviri nyore kuti iwe uve mushandisi neichi chirevo chitsva chebhengi chiri kumisikidzwa kutenderera pasirese.
Pakarepo sedambudziko guru
Immediacy ndechimwe cheanowanzo dhinomineta yeavo anonzi emadhijitari emabhengi masevhisi. Kufambisa kwese kunogona kuitwa chiriporipotyo, pasina kumirira masekondi mazhinji kuti vaite zvepamutemo. Kubva pakutumira kana kugashira chinja chingangoita iko kwekutora chero mhando yeruzivo ruzivo mukati menguva chaiyo. Saka kuti nenzira iyi, iwe unogona kubata mari yako zvakanyanya kunyatso. Kubva kumba kwako kana kune imwe nzvimbo kwauri, kunyangwe munzvimbo dzekuzorora. Nekuti iwe unongofanirwa kuperekedzwa nharembozha nehurongwa hunoenderana nesarudzo yakasarudzika yemabhengi.
Nekudaro, dambudziko hombe neiyi chaiyo yemabhengi modhi ndeyekuti iko kupihwa kwazvino hakuna simba zvakanyanya. Parizvino, chete mashoma masangano akasarudza kutora iyo leap ndokupinda muiyo modhi yedhijitari. Saka kukwidziridzwa hakuna kunyanya kusiyana kubva kune mumwe. Kana zvisiri izvo zvinopesana, vanogara pasi maitiro ebhizinesi akafanana. Uye chimwe chakakosha chinhu chaunochengeta mupfungwa kuti izvo zvausingazowane mukirasi ino yezvinhu zvepamhepo ndiwo makiredhiti mitsara iwe wawaiziva neyechinyakare kubhengi. Mupfungwa iyi, mikana yebhizinesi ichave iri shoma zvakanyanya.
Kubvunzana kwekufamba kwebhangi
Chero zvazvingaitika, pane chinhu chimwe chete chaunogona kuvimba nacho kubva zvino zvichienda mberi uye hachisi chimwe chinhu kunze kwekuti unenge uripo kondirakiti chigadzirwa chaunoda (maakaunzi, makadhi, nezvimwewo). Kune rimwe divi, iwe unozogona kubata ako ese epamoyo mari, pamwe nemupiro uyo iwo iwo wavachave ari munguva chaiyo. Chinhu chinozokubatsira kunatsiridza ruzivo maererano nemamiriro ako sewe mushandisi webhangi kana mutengi.
Uye kana uchida, unogona kutovharidzira kadhi rako kana paine chiitiko chisingatarisirwi icho chingakanganisa chiyero cheakaundi yako yekutarisa. Zvese izvi pasina chero rudzi rwemari yekuwedzera yekugamuchira iyi mhando yemasevhisi chaiwo. Asi uchiramba uchifunga kuti iwe uri kutarisana neyakasiyana zvachose pfungwa yekubhangi iyo ichiri kusati yaongororwa. Iyo ine simba rakasimba kwazvo rekuvandudza iro rinozogadziridzwa gore rimwe nerimwe uye zvinoenderana nekufambira mberi kutsva kuchaitika mumatekinoroji. Chero zvazvingaitika, ichave imwe imwe nzira yaunofanirwa kuchengetedza hukama nemabhangi, kunyangwe kubva munzira dzakasiyana.