Eminyakeni embalwa edlule, Ukukhwabanisa kwekhadi lesikweletu Banyukile ezingxenyeni eziningi zomhlaba, yize izinhlangano zenze konke okusemandleni ukuzama ukwenza ngcono ukuphepha kwamakhasimende azo, ukukhwabanisa okungaphezulu kuka-5.000 XNUMX ngosuku, okuye kwabakhathaza izinkulungwane zabasebenzisi emhlabeni jikelele.
Ukulahlekelwa kwabasebenzisi ngenxa yokukhwabanisa kwekhadi lesikweletu, bafinyelele ngaphezu kwezigidi eziyi-15 zama-euro. Imininingwane evela kulo nyaka isivele ikhombisile ukuthi yimaphi amaphuzu aphambili lapho kwenzeka khona ukukhwabanisa kwamakhadi, iningi lawo lisendaweni yokuthenga kwi-intanethi ebibe nezikhalazo ezingaphezu kwezinkulungwane ezingama-780 ngonyaka ka-2014.
U-2% wokukhwabanisa wenzeke kuma-ATM kwathi u-31% osele wabikwa ngokusebenzisa i- ukwebiwa kwemininingwane yamakhadi, ngoba ikhadi belingakethulwanga ngokomzimba. Lokhu kuvame ukusebenza kwasebhange noma kocingo.
Eminyakeni emithathu edlule, kutholakale isibalo esiphezulu sobugebengu, okukhombisa ukuthi lolu hlobo lokweba lukhuphuke ngo-104%.
El ibhalansi eye yafunwa yiNkohliso ngamakhadi wesikweletu, alingana nama-euro angaphezu kwezigidi ezingama-20, lapho ukulahleka kwamakhadi wezigidi eziyi-15 kubhekwe njengokuvumelekile.
UKUPHEPHA UKUPHEPHA
Lolu hlobo lokukhwabanisa selwandile. Kususelwa enkohlakalweni lapho abasebenzisi banama-akhawunti khona imeyili yasebhange ye-apocrypha ezisetshenziselwa ukukhwabanisa lapho kungathintwa khona ikhadi kodwa zenziwa ngemininingwane yomuntu.
Lapho sikhuluma ngalokhu uhlobo lomsebenzi lubizwa nge- phishing, okuyilapho imininingwane yethu yomuntu eyebiwe nezithombe zezikhungo zezimali bese kuthi uhlobo oluthile lokukhwabanisa lwenziwe ngaleyo datha.
Ukukhwabanisa okubonakale kakhulu kunamalogo we-BBVA noma izithombe nama-imeyili lapho umuntu ebuzwa khona imininingwane yasebhange ukuze akwazi ukudlulisa imali ebanjiwe.
UKWESABISELA NGESIKHATHI ESIKHULU
Ngokuvumelana ne ochwepheshe bezokuphepha, Ngokuhamba kwesikhathi, abantu ababandakanya ukukhwabanisa kwamakhadi esikweletu ngokusebenzisa le ndlela kwabanye ngeke baqale izinhlelo ezintsha zale nhloso, kepha futhi bazoba nezindlela ezintsha zokwephula idatha yabantu abasebenzisa amakhadi.
Ngeke basebenzise kuphela amakhadi abo esikweletu ukweba imali yabanye abantu, kepha ungasebenzisa nezicelo zazo zonke izinhlobo kumadivayisi eselula.
Kuphenywa kanjani ukukhwabanisa kwekhadi lesikweletu
Umuntu wokuqala okufanele aphenye ikhadi lakho futhi abhekelele yonke imininingwane edlulayo kuwe. Ochwepheshe bancoma ukuthi wazi konke ukunyakaza okwenziwa ekhadini lakho credit ukuze ukwazi ukubona noma yimuphi umsebenzi ongalawuleki kusukela kumzuzu wokuqala. Zonke izinhlangano zine- Inombolo yocingo yamahora angama-24 ukuze ukwazi ukuxhumana noma kunini lapho ubona okuthile okungajwayelekile kwenzeka ngama-akhawunti akho. Ijubane osebenza ngalo libalulekile, ngoba ochwepheshe bathi ukuqaphela ushintsho ekhadini lakho ngesikhathi kungakunika ukwethuka okungama-euro angama-50 noma ngaphansi.
Ijubane yinto okufanele uhlale uyikhumbula njalo kusukela lapho ubona ukuthi kukhona okwenzekayo ngekhadi lakho lesikweletu ukuze ukwazi ukubeka imingcele ezigebengwini ngokusika amakhadi ngokushesha.
Lapho kuvame kakhulu
Ngokusho kochwepheshe i- ukukhwabanisa kwekhadi lesikweletu online sekuvame ukuphindeka izikhathi ezingama-20 eminyakeni yamuva. Lokhu tuhlobo lokuthenga lubizwa nge-CNP futhi okwenzayo ukusebenzisa inombolo yekhadi lesikweletu ukuze ukwazi ukwenza ukuthengiselana okukhulu kwamanye ama-akhawunti. Ngoba ochwepheshe bayakwazi lokho, izinhlangano eziningi zenza kube nokwenzeka ukubona ukuthi ngabe ikhadi lenza noma yikuphi ukunyakaza okuxakile futhi likhonjwe njengokuhamba okungajwayelekile ngokwazisa umnikazi wekhadi. Okunye okuzama ezinhlakeni eziningi ukuthola inkohliso izindlela zokuthenga ezisentengo, ngoba uma kwenzeka ukuthi umuntu ehlale ethenga inani elifanayo bese kuthi kungazelelwe kubhaliswe imali ephezulu, ikhasimende lizokwaziswa.
Ezimweni eziningi, ikhadi livinjwe ngqo futhi umuntu uyaxwayiswa ngokwenzekayo.
Ukulandelela Kusho Ukukhwabanisa KweKhadi Lesikweletu
Noma ngubani ozinikele ekuphishekeleni lezi ubugebengu be-inthanethi, inakho konke okudingayo ukwenza umkhondo omuhle we-elekthronikhi.
Izikhathi eziningi, ukwebiwa kwamakhadi kuyenziwa kepha alukho uhlobo lokuhamba ngalolu hlobo lwe-akhawunti, okusho ukuthi abacwaningi abakwazi ukubona ukuthi kusetshenziswa bani noma kuphi, kodwa-ke, kungenzeka ukuthi ikhadi alisetshenziselwa ukuthenga online kepha ungasebenzisa igama nedatha yezinkokhelo zesitolimende noma umane igama lomuntu.
Namaphoyisa angakuyeka lokhu uhlobo lokukhwabanisa ngamakhadi esikweletu ukuqinisekisa ukuthi akekho umuntu ongenza ukukhwabanisa kwekhadi lesikweletu lesibili nganoma iyiphi ikhadi.
Kuphi lokhu okunye
Yize kungabonakala sengathi eYurophu kukhona ifayela le- inani elikhulu lokukhwabanisa Namakhadi esikweletu, noma kunjalo, izibalo zisitshela ukuthi izwe lapho kwenzeka kakhulu khona yi-United States, lapho kulahleka khona amadola angaphezu kwezigidi ezingama-5000 ngenxa yokukhwabanisa unyaka nonyaka ngenxa yenkohliso yekhadi lesikweletu.
EYurophu, abantu abasezindaweni ezinjenge-United Kingdom neFrance yibona abasengozini enkulu eYurophu, njengoba ngonyaka odlule kulahleka imali engaphezu kwezigidi ezingama-715 kule ndawo, okwenza ngaphezu kuka-62% ukukhwabanisa kugxilwe kulo lonke elaseYurophu.
Yini okukhathazayo ISpain, leli yizwe lesihlanu elisengozini enkulu unyaka nonyaka ulahlekelwa ngaphezu kwama-euro ayizigidi eziyi-123, kodwa-ke, ngenkathi yokugcina kutholakale ukuthambekela okuphansi ezweni lakamuva.
Isazi sezikweletu sithe inkinga enkulu eSpain yiyona Ukuhlaselwa kwamakhadi esikweletu ngamatheminali e-POS. Kusukela ngonyaka odlule, ukwehla kwenkohliso yamakhadi esikweletu kwehle ngo-4,5%.
Izindawo ze-POS eSpain
Ngenzuzo enkulu enikezwa yilolu hlobo lokuba sengozini uma kukhulunywa ngezingcingo, izigebengu eziningi zigxila kumatheminali yeba idatha yekhadi lesikweletu noma olunye uhlobo lolwazi. Ngale ndlela benzani lapho befunda wonke ama-terminals ngenkathi kukhokhwa amakhadi okugcina inombolo ne-password efanayo.
Ngakolunye uhlangothi, ochwepheshe bathi zonke izinhlelo zokukhokha ezihlobene namakhadi wesikweletu asekelwe ama-chips abaluleke kancane uma kuqhathaniswa nalezo ezisetshenziswa ngokwesiko lapho kungasetshenziswa kuphela inani lamakhadi wesikweletu.
Mayelana namakhadi esikweletu aseYurophu, unezinhlelo ezithuthuke kakhulu kulokho isho i-chip nephini futhi ngenxa yokwamukelwa okuhle okunikezwa kulawa makhadi lapho kuhlaselwa khona okumbalwa. Seziqalile ukusetshenziswa ezindaweni eziningi zase-US.
Nsuku zonke ngikhathazeke kakhulu
Uma kukhulunywa ngokukhwabanisa kwamakhadi esikweletu, bobabili abaseSpain nabaseYurophu bakhathazeka ngokwengeziwe ngakho konke okwenzekayo ngokukhwabanisa kwamakhadi esikweletu. Isizathu esikhulu ukuthi imakethe emnyama yamakhadi entshontshiwe ayiyeki ukukhula nsuku zonke okwenza izindleko ziqhubeke nokwanda. Amabhange athembisa izindlela ezintsha zokulwa nakho konke okubhekiswe ekuphepheni kwamakhadi, kepha ezinhlakeni eziningi kunzima ukunikeza izindlela ezintsha, ikakhulukazi emazweni afana ne-US lapho, kude nalokho ongakucabanga, izinhlelo zokukhokha seziphelelwe isikhathi. Sebenzisa i-chip njalo
Ochwepheshe bathi indlela eqinisekile yokwazi ukuthi ikhadi likopishiwe noma libiwe yini ukusebenzisa amakhadi wesikweletu anephini. Ezimweni eziningi, lezi zinhlobo zamakhadi zingatshela ibhange ngemizuzu embalwa uma kuyikhadi elebiwe noma eliphindiwe futhi livimbile ngemizuzwana embalwa.
Ochwepheshe bakhuluma ngobudlelwano phakathi kwenkohliso ephansi namakhadi wesikweletu okuye kwenzeka eSpain maqondana namanye amazwe aseYurophu kanye ne ukusetshenziswa kwe-chip kumakhadi.
I-athikili enhle kakhulu. Iqiniso ukuthi nsuku zonke kufanele uqaphele kakhulu ukuphepha kuzo zonke izindawo. Kufanele futhi uqaphele ngezinkokhelo ezintsha ze-NFC, kungaba ngeselula noma ngekhadi. Lobu buchwepheshe abukavikeleki futhi kungenzeka kube indaba yokuvimba imininingwane (ayibetheli) nomfundi oseduze, noma ngabe umsebenzisi akayikhiphanga esikhwameni sakhe semali.