Ukubhankisha kwi-Intanethi, kukuzisela ntoni?

Ukubhankisha kwi-Intanethi okubonelela ngeenkonzo zayo kwi-Intanethi kuyandisa ukusebenza kwayo kubasebenzisi ngezinye iimveliso eziyilwe ngokukodwa ukubaqesha kule modeli yentengiso. Kodwa ngaba kufanelekile ukukhetha olu hlobo lwebhanki ekwi-Intanethi? Ngelixa banikela nge izindululo Iya isanda ukuba ndlongondlongo, ayizilungelanga zonke iintlobo zeemveliso, ngakumbi ezo zifuna ukunxibelelana ngokomzimba, kunye nemfuno yokuya kwisebe.

Kuphi inzuzo ngakumbi ekwenzeni imisebenzi isebenze ngokusesikweni? Ngaphezulu kwayo yonke into kwimveliso yokonga apho ezona zinto zikhuphisana kakhulu zenziwa ngothotho lwezindululo yonyusa inzuzo ngaphezulu kwe-0,70%, ngeedipozithi zentengiso okanye kubathengi abatsha. Kungenxa yoko le nto kungamangalisi ukuba iibhanki ezikwi-Intanethi zingafumana izibonelelo zolu hlobo eziphucula kakhulu iimeko zokumiselwa kweebhanki zesiko, kwaye ezinokubhaliswa ixesha elingalide kakhulu, phakathi kweenyanga ezi-6 ukuya kwezingama-24 malunga.

Bahlala njalo phucula iimeko Ngokumalunga nezibonelelo eziveliswa zezi modeli: iminikelo enganyanzelisiyo, ilunge ngakumbi kwisivumelwano kwaye inikezela ngetyala lilonke kubabeki mali. Enye imveliso ekwanayo inzuzo yokurhuma kwezi majelo ziiakhawunti zokonga, kwiifomathi zazo ezahlukeneyo. Zisebenza ngokukhawuleza ngakumbi kwaye ziqeshwe ngaphandle kwenkcitho okanye iikhomishini kwaye zinakho ukwandisa izibonelelo zazo ngokusekwe kwizindululo ezenziwe liziko ngalinye.

Iimveliso zokonga ezikhuphisanayo

Bade babekhona izibonelelo zesisa zokuhlawulwa ngokuthe ngqo kwetyala, ethi amaxesha amaninzi iguqulele ekubeni kukhululwe iikhomishini kunye nenkcitho kulawulo lwayo okanye kulondolozo, ukunyuka kwinzuzo yayo, okanye ukuqhubela phambili komvuzo phakathi kwezinye iinkonzo. Ukuza kwinqanaba lokufumana inzuzo ukuba uza kubhalisa nayiphi na kwezi mveliso, nokuba yeyiphi na ibhanki oza kuseka ngayo ubudlelwane beshishini.

Endaweni yokuba kukho ifayile ye- Eyona nto isilela kakhulu kwimali mboleko yakho kunye neyezindlu. Kuyinyani ukuba banazo, kodwa isithembiso sabo asibanzi kwaye sisininzi njengakwibhanki yesiko, ngokubanzi kuthintelwe kumjelo wezemali oqhelekileyo. Kwaye kuyo nayiphi na imeko, ziyathengiswa ngophuculo oluncinci kwiimeko zesivumelwano.

Ngokubhekisele kwiimveliso zotyalo-mali, kufanele kuqatshelwe ukuba unenkonzo ekhethekileyo yokusebenza kunye nemarike yemasheya, imali yotyalo-mali okanye ezinye iimveliso ezivela kwii-equities. Kodwa ukuba uza kusebenza nabo, kuya kufuneka uyazi ukuba ngokubanzi abanazo izixhobo ezingcono zokusebenza kunye neemarike zezemali, ukuba zithelekiswa nezibonelelo eziqhelekileyo zeebhanki ezinkulu neziphakathi kwilizwe lethu.

Ukurhweba kwiimarike zemali

Kwelinye icala, ababoneleli ngokugqithileyo ukuze basebenze ngezabelo, kwaye uninzi lwezindululo zabo zithintelwe kutshintshelo lwezabelo kunye neengxowa mali zotyalo-mali lelinye iziko njengesiqalo sonyuselo lwabo lwenkwenkwezi. Ngamafutshane, banikezela ngeemveliso ezenziwe lula ngakumbi apho ukuxolelwa kwiikhomishini kunye nenkcitho kwiimveliso zayo ukubheja kwayo okuphambili kubathengi abatsha. Ngokusekwe kule ndawo, ukubhenka kwi-Intanethi kuphuhlisa uyilo lwayo ukuze bakwazi ukuziqhelanisa neeprofayili zabathengi kwaye ukwazi ukusebenza usekhaya. Kungenxa yokuba, lula ukuqhuba imisebenzi yolingano yenye yezona mpawu ziphambili zebhanki ekwi-Intanethi.

Ngaba kulula kuwe ukuba usebenze nebhanki ekwi-Intanethi?

Njengayo nayiphi na inkqubo, ukubhenka kwi-Intanethi kunothotho lwezibonelelo kunye nezinto ezingalunganga ekufuneka uzihlalutye ukuze uqonde ukuba kufanelekile na ukuba ube ngumthengi weziko elinezi mpawu. Kwaye oko kuvelisa izibonelelo ezilandelayo esiza kuzichaza apha ngezantsi.

• Uvelisa i ukonga ixesha elikhulu kuba unokusebenza kwaye unike ikhontrakthi iimveliso ngalo naliphi na ixesha nasemini, kuba iiofisi zabo ezikwi-Intanethi azivali, kwaye ke abathengi babo akufuneki banikele ingqalelo kwiiyure zomsebenzi weeofisi zabo ukwenza imisebenzi yabo ibe semthethweni.
• Ukubhankisha kwi-Intanethi ivelisa iindleko zolawulo ezisezantsiNgenxa yoko, izindululo zabo zinenzuzo ngakumbi. Ngenxa yoko, iindleko zolondolozo zinokupheliswa okanye zehliswe kwaye iikhomishini zifikeleleke ngakumbi kubo bonke abathengi.
• Olu hlobo lwebhanki lunokusetyenziswa kuzo zonke iintlobo zeemeko, eseholideyini, ezivela phesheya okanye ukusebenza kweyona yure ingaqhelekanga xa amasebe evaliwe. Ukugcina nge uguquko olukhulu ekusebenzeni kunye nokuhamba kwabathengi.
• Amathuba akho ebhanki gubungela zonke iintlobo zokusebenzaUkusuka ekubhaliseni iakhawunti yokutshekisha ukuya ekumiseni irhafu ngokusesikweni, ngaphandle kokulibala imisebenzi yokutyala imali kwii-equity, kunye nezinye iimveliso kwiimarike zezemali.
• Ngokumiliselwa kwetekhnoloji entsha, kunokwenzeka ukuba fikelela kwinkonzo yebhanki ephathekayo okanye ezinye izixhobo zetekhnoloji, ngelixa ukwithambeka, okanye elunxwemeni kwiholide yakho.
• Olunye lweempawu zalo kukucaca Ukusukela ngokurhuma iinkonzo kwi-intanethi, inyanzela iimeko kunye nezivumelwano ezibhengezwe kwiwebhu ukuba zivezwe ngokucacileyo nangokulula, nangaphezulu kwibhanki ebonakalayo.

Iingxaki zokubhankisha kwi-Intanethi

Kodwa ayisiyiyo yonke into eluncedo kwimidla yakho njengabasebenzisi bebhanki ekwi-Intanethi, kude nayo. Uya kuba noluhlu lwezithintelo ukusuka kumzuzu wokuqala awunakukhetha ngaphandle kokucinga. Kwaye uze kwisigqibo ukuba kufanelekile kuwe ukuseka ubudlelwane nale nkqubo kwiibhanki. Nguwe kuphela, kunye neprofayili yakho njengomthengi, eya kuxhomekeka kwisigqibo osithathayo ukusukela ngoku.

• Imijelo yobudlelwane iyancipha ukuba nomthengi kwiziko lakho lezemali, ngaphandle kokukwazi ukubhenela kwiofisi ebonakalayo ukuphakamisa iingxaki zakho, kwaye apho ngamanye amaxesha oyena mntu ungena naye kwiwebhusayithi yebhanki. Okanye kweyona meko ilungileyo thethwano ngomnxeba.
• Abantu abanolwazi oluncinci lwezezimali baneengxaki ezingaphezulu zokufumana iikhontrakthi kwiimveliso zabo xa ukungabinayo ingcebiso yokuhambisa utyalo-mali lwakho okanye uphuhlise iimveliso zakho zokonga. Ngomngcipheko obekwe kubo kwimisebenzi yabo eqhelekileyo.
• Abatyalomali banesixhobo sokwenza ngokusemthethweni utyalomali lwabo, kodwa kwiimeko ezininzi ayigqityi ngaphezu kokugcina ngokwesiqhelo, Nditsho nezindululo ezimbalwa zotyalo-mali okanye iimveliso ezinomda.
• Ukungathandeki okuhlala kukhathaza umsebenzisi yeyona nto kubhekiswa kuyo Ukhuseleko lokusebenza kwe-Intanethi, ezinokuthi zibeke umngcipheko othile kwimisebenzi yabo yebhanki kwaye, kwiimeko ezithile ezibamema ukuba bayeke kwiinjongo zabo. Ingakumbi kwiikhompyuter ongazithembi.
•  Ibhanki yemveli ibonelela abathengi bayo ngedipozithi enenzuzo ngakumbi kunokuba ibhengeziwe, phakathi kweminye imiba, kuba kunjalo Iimveliso ekunokuxoxiswana ngazo phakathi kwamaqela omabini. Into ongazukukwazi ukuyiphuhlisa ngebhanki ye-Intanethi.
• Kukho imisebenzi ethile apho ubukho bomzimba buyafuneka kwisebe lebhanki: ukutshintshiselana ngemali, ukusayina inqaku lesithembiso lebhanki, okanye ukuphinda uphinde uthethathethane ngetyala lakho. Kule meko, awuzukukhetha kodwa ukuqhubeka neemodeli zebhanki zesiko.

Imisebenzi yebhanki ongenakuyenza

Ngayiphi na imeko, kuya kuhlala kukho imisebenzi-encinci nangaphantsi-ongayi kuba nakho ukuyiphucula ngeendlela ezintsha zetekhnoloji. Kwaye kufanelekile ukuba uyazi kwangaphambili ngaphambi kokukhetha le modeli yolawulo. Kwaye oko kunokukunciphisa xa kufikwa ekuphuculeni imveliso yebhanki, okanye ujongane nolawulo lwayo. Ezi zezinye zeemeko ezinokwenzeka kuwe ukuba ungumthengi okwi-Intanethi.

1. Phinda uphinde uthethe ngemali mboleko yakho (eyeyakho okanye eyempahla ebolekiweyo) ngendlela eyeyakho ngakumbi kwaye, kuyo nayiphi na imeko, ihlala ilungelelaniswa ngcono kwisebe lebhanki, okanye ngokuthe ngqo kubaphathi bayo.
2. Yenza imisebenzi ethile yebhanki efuna i ubukho babathengi eofisiniUkutshintshiselana ngemali, ukutyikitywa koxwebhu okanye ukuhanjiswa kwamaxwebhu ukufikelela kuyo nayiphi na imveliso yawo.
3. Xa ukhetha inkonzo eyeyakho ene-interlocutor umphathi weziko lezemali kwaye ifuna ubudlelwane obusondeleyo phakathi kwezi zimbini. Akumangalisi ukuba unxibelelwano oluthe ngqo luya kuba yimfuneko ngakumbi, kwaye ke, lusebenze.
4. Kwimisebenzi leyo utshintsho lwezihloko zabo luyimfuneko Kucetyiswa ukuba ungene kwiiofisi zebhanki ukuze le nkqubo ibe semthethweni ngeyona ndlela ibalaseleyo kwaye ngaphandle kwengxaki edaka iintshukumo zebhanki.
5. Cela utshintsho kumrhumo wakho wezemali okanye kwintlawulo yenyanga nganye yekhadi lakho letyala, kuba ngenxa yoku kuya kufuneka unxibelelane ngcono neentloko zala masebe kwaye ubonise ezona njongo zakho zokwenyani ukubona ukuba zingazalisekiswa liziko.
6. ukuba ukuseka ngokusesikweni naliphi na ibango okanye isikhalazo malunga nenkonzo yebhanki, kuyacetyiswa ukuba uye ngqo ebhankini (okanye ngomnxeba) ukusombulula ingxaki ngokukhawuleza. Ayothusi into yokuba uya kuba nakho ukuchaza ngokucacileyo ngakumbi uhlobo lweziganeko onazo.

Dibanisa ukubhenka okuqhelekileyo kwi-intanethi

Mhlawumbi imodeli oyithandayo kakhulu okwangoku, Ukudibanisa ezi nkqubo zimbini. Hayi lilize, unokuxhamla kwiminikelo nganye nganye. Ukongeza, phantse zonke iibhanki zinemodeli zombini ezenziweyo. Ngento engazukubanzima ukufezekisa iinjongo. Nemvumelwano neemveliso zebhanki, kuxhomekeke kwinkqubo eluncedo kakhulu kuwe ngawo onke amaxesha. Inokuba ngowona msebenzi uzuzisa umdla wakho.