Yintoni ibhanki yedijithali?

ibhanki ye digital Ukubhankisha ngedijithali ngumqondo omtsha kunye notshintsho kwiinkonzo zebhanki onokuthi uzenze kakuhle kwifowuni yakho. Ukuze ube ukwindawo efanelekileyo yokulawula nokuphatha imali yakho. Kunye imisebenzi yexesha langempela into leyo yahlulwe kwiibhanki ezithathwa njengesiqhelo. Apho unokufumana khona, oko kukuthi ukuqesha, zonke iimveliso obuzisebenzisa ukuza kuthi ga ngoku kunye nebhanki yakho yesiqhelo. Njengaye, umzekelo, iiakhawunti zokonga kunye namakhadi ebhanki. Kodwa into eluncedo kakhulu kukuba ungabaqesha simahla, ngaphandle kwalo naluphi na uhlobo lwenkcitho.

Ewe, ibhanki yedijithali yimodeli yolawulo entsha ethe yavela kumaxesha akutshanje ngenxa yeemfuno zabasebenzisi ezintsha. Ukuthathela ingqalelo ukuqhuma kokugqibela ubuchwepheshe bolwazi. Ukuze ngale ndlela, usesikhundleni esihle sokuxhamla kwiimodeli zolawulo ezintsha ebhankini. Olunye uqikelelo lokuba ukwamkelwa kwebhanki yedijithali kuthetha ukuba yonke imisebenzi iya kwenziwa kwi-Intanethi kwaye okona kubaluleke kakhulu ngexesha lokwenyani. Awuyi kuchitha xesha kwaye uza konga imali ngaphezulu kunangoku.

Nangona kunjalo, enye yeengxaki ezinkulu onazo kukuchonga amaziko athathelwa ingqalelo njengebhanki yedijithali. Ewe, nazi ezinye izimvo njengoko zinjalo namhlanje Smart EVO, N26, phakathi kwezinye zezona zibalulekileyo. Kodwa ungakhathazeki kuba ayisiyiyo yodwa kuba licandelo elonyuswe ngokupheleleyo kwaye ke izinto zebhanki ezintsha zezi mpawu ziyavela. Apho iimveliso abazinikelayo ziyafana kwaye kukho umahluko okhoyo kuphela ophakanyisiweyo kwizicwangciso zabo zorhwebo.

Ibhanki yedijithali: ibonelela ngantoni?

iinkonzo Le meko intsha kulawulo lwebhanki ikuvumela, umzekelo, ukuba ungaze ulinde ixesha elide vula iakhawunti okanye wenze isivumelwano ngekhadi Ityala. Awunakulibala ukuba imodeli yolawulo isekwe kwiselfowuni. Esi sesinye sezizathu eziphambili zokuba iprofayile yomsebenzisi evula le ngcamango yokubhankisha lelona candelo lincinci labemi kwaye isetyenziselwa ukusetyenziswa kwazo zonke iintlobo zezixhobo zetekhnoloji. Abasafani nabazali babo ekufuneka beye kwisebe lebhanki bayokuthenga bathengise izabelo kwimarike yemasheya, baqeshe ikhadi lamatyala okanye benze ugqithiso lwamanye amazwe. Ngoku ukusuka kwibhanki yedijithali banokwenza yonke le misebenzi kwaye uninzi ngakumbi kubo I-Smartphone

Ekuphela kwemfuneko yokufikelela kule modeli yoyilo lawulo lwe zemali kukubonelela ngesixhobo seteknoloji esihambelana nokusetyenziswa kwebhanki yedijithali ekhethwe ngawo onke amaxesha. Ukuba usombulula le ngxaki incinci awuyi kuba nasizathu sokusebenzisa le nkonzo ukusukela ngoku. Ngaphandle kweminyaka yobudala esemthethweni kunye nokubonelela ngesazisi sakho kunye noxwebhu olukuqinisekisayo ukuze ube ngumsebenzisi kwezi zihlandlo zichanekileyo. Into efumanekayo kubo bonke abasebenzisi ngalo mzuzu.

Iinkonzo onokuba nazo

Enye yezona zinto zibaluleke kakhulu kwinto ebizwa ngokuba yibhanki yedijithali zizibonelelo oya kukunika zona ukusukela xa ungumthengi. Kuba ngokwenene. Zininzi kwaye zineendidi ezahlukeneyo njengoko uza kubona ukusukela ngoku. Ewe, elinye lamagalelo axabisekileyo ngabathengi abatsha yile inento yokwenza ne uxolelo kwikhomishini kunye nezinye iindleko ekulawuleni okanye ekugcineni. Ayisebenzi kubudlelwane bakho kuphela neenkonzo ngokubanzi zoku ebhanki okhethekileyo. Ukuba akunjalo, ngokuchaseneyo, kuvumelekile ukufumana zonke iintlobo zeeakhawunti zokonga okanye amakhadi ebhanki. Ngolondolozo lwakho minyaka le luya kuba namandla ngakumbi kunangoku.

Kwelinye icala, olu khetho ebhankini lukuvumela bhetyebhetye ngakumbi ekulawuleni imali yakho. Ukuza kuthi ga kwinqanaba lokuba bakunike izixhobo eziyimfuneko ukuze ube nakho (ukukhutshwa kweetsheki okanye ukuhanjiswa). Kongezwe kolunye uthotho lweempawu ezinokuba luncedo kakhulu kwiprofayile yakho yomsebenzisi. Ngaba uyafuna ukwazi ezinye zazo? Ewe, nikela ingqalelo encinci kwimeko kwiintsuku ezimbalwa ezizayo uza kwenza ikhontrakthi nebhanki yezi mpawu.

Ukusuka kumakhadi ukuya kurhoxiso lwemali

amakhadi Ewe izibonelelo azinakubalwa kwaye ngaphandle kweyantlukwano ngokubhekisele kwiibhanki ezithathwa njengesiqhelo okanye eziqhelekileyo. Phakathi kwayo kukho le minikelo ilandelayo sikuveze apha ngezantsi.

  • Ukumiselwa ngokusesikweni kwe amakhadi Isimahla ngokupheleleyo kwasekuqaleni, ukuba nje wenza ubuncinci kuthotho lweentlawulo zekota.
  • Ukulungele ngokupheleleyo ukwenza okanye ungasebenzi ntlawulo online okanye phesheya. Into eneyona nto isebenzayo xa usiya phesheya.
  • Ikuvumela ukuba uhlawule kwaye urhoxe imali yemali nakuyiphi na iATM emhlabeni ngaphandle kweekhomishini. Nangona ingenamda, kodwa baya kukunika ithuba lokwenza inani elithile lokusebenza kwezi mpawu.
  • Olunye uncedo lwalo luxhomekeke kwinto yokuba ziya kubakho iindleko zoqoqosho ezininzi oza kuthi uzisindise kulo lonke uhlobo lomsebenzi weebhanki. Ngaphezulu kweebhanki ojongana nazo rhoqo.
  • Kwelinye icala, unokusebenza ngeemali ezahlukeneyo ukwenza ugqithiselo. Oko akuphelelanga kumda wesizwe, kodwa nangaphandle kwemida yethu. Ngokwenza oko kuya kubakho ii-euro ezininzi oza kusindisa ukusukela ngoku.

Iimfuno zokufikelela kule bhanki

Ngoku kuya kufuneka uyazi kuphela ukuba uyahlangabezana neemfuno zokuba yinxalenye yabaxhasi abatsha. Sukuba nexhala, kuba awunazo izinto ezothusayo kwaye ngexesha elifutshane uya kuba nakho ukusebenza uninzi lwezi mveliso zemali. Kuba kwasekuqaleni kuphela ezinye zeefayile zakho ze- ulwazi lomntu eyona ibalulekileyo. Phakathi kwezona zibaluleke kakhulu inombolo yakho yefowuni, idilesi ye-imeyile kunye nekhowudi ye-zip. Kuya kufuneka kuphela ukuwaqinisekisa la maxwebhu kwaye ukuba yonke into iphuhliswe ngokuchanekileyo kwimizuzu embalwa uya kuba ngomnye wabathengi bebhanki yedijithali.

Ukuze ngale ndlela, ungaqala ukwenza imisebenzi yakho yokuqala okanye wenze ikhontrakthi yamakhadi akho okutsala ngoku. Konke ngexesha lokwenyani kwaye ngaphandle kokulinda ixesha elide kwiinkqubo. Kuba, eneneni, ukonga okuveliswe yibhanki yedijithali akubikho kwimali kuphela, kodwa kukwimo ye- ukulawula ixesha lakho. Yinto ekufuneka uyiphonononge ukubonisa ukuba ingaba ilungile na kuwe ukuba ube ngumsebenzisi wale nto intsha yokubhankisha inyanzeliswa kwihlabathi liphela.

Ukukhawuleza njengowona mngeni uphambili

kumgca Ngokukhawuleza yenye yezona zinto zixhaphakileyo ekuthiwa ziinkonzo zebhanki yedijithali. Yonke intshukumo inokwenziwa phantse kwangoko, ngaphandle kokulinda imizuzwana emininzi ukuze yenziwe ngokusemthethweni. Ukusuka ekuthumeleni okanye ekufumaneni udluliselo phantse kwangoko ukuya kulo naluphi na uhlobo lolwazi lokuthengiselana ngexesha lokwenyani. Ukuze ngale ndlela, uyiphathe kakuhle imali yakho. Ukusuka endlwini yakho okanye kwenye indawo apho ukhoyo, nakwiindawo zeholide. Kuba kuya kufuneka ukhatshwe siselfowni kunye nenkqubo ehambelana nokusetyenziswa kwebhanki yedijithali ekhethiweyo.

Nangona kunjalo, eyona ngxaki iphambili kule modeli yasebhankini kukuba umnikelo wangoku awunamandla kakhulu. Okwangoku, zizinto ezimbalwa kuphela ezigqibe kwelokuba zithathe umtsi kwaye zingene kwimodeli yedijithali. Ke ukunyusa akufani kakhulu komnye nomnye. Ukuba akunjalo ngokuchaseneyo, bahlala bezantsi iindlela ezifanayo zeshishini. Kwaye enye into ebaluleke kakhulu oyigcinayo engqondweni ukuba into ongazukuyifumana kolu didi lwezinto ezikwi-Intanethi yimigca yetyala obuyazi ngeebhanki zesiko. Ngale ndlela, amathuba eshishini aya kuba ngaphantsi kakhulu.

Ukubonisana ngeentshukumo zebhanki

Ngayiphi na imeko, inye kuphela into onokuxhomekeka kuyo ukusukela ngoku ukuya phambili kwaye ayisiyiyo enye ngaphandle kokuba uya kuba nayo yenza ikhontrakthi kwimveliso oyifunayo (iiakhawunti, amakhadi, njl. Kwelinye icala, uya kuba nakho ukulawula yonke imali yakho, kunye negalelo abaya kuba kulo ngexesha lokwenyani. Into eya kukunceda ukuphucula ulwazi malunga nemeko yakho njengomsebenzisi webhanki okanye umthengi.

Kwaye ukuba unqwenela, unokulithintela ikhadi lakho xa kunokwenzeka imeko engalindelekanga enokuchaphazela ukujonga kwakho ibhalansi yeakhawunti. Konke oku ngaphandle kwalo naluphi na uhlobo lweendleko ezongezelelweyo zokufumana olu hlobo lweenkonzo ezithile. Kodwa ukugcina engqondweni ukuba ujongene nomqondo ohluke ngokupheleleyo wokubhankisha ongekachazwa. Inamandla amakhulu okuphuhlisa aya kuphuhliswa unyaka nonyaka kwaye ahambelane nenkqubela phambili entsha eza kubakho kubuchwephesha. Ngayiphi na imeko, iya kuba yenye enye indlela ekufuneka ugcine ngayo ubudlelwane kunye neebhanki, nangona zivela kwiindlela ezahlukeneyo.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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  1. Uxanduva lwedatha: UMiguel Ángel Gatón
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