Ngokocwaningo lwakamuva olwenziwe yiGlobalWebIndex, emhlabeni jikelele, abantu abadala abane kwabayishumi abaku-inthanethi sebevele basebenzise amadivayisi abo omakhalekhukhwini ukukhokhela izimpahla nemisebenzi. Kodwa-ke, imininingwane iyahluka ngokuya ngephrofayili yabantu: ama-4% wabathengi abaphakathi kweminyaka eyi-10 nengama-43 sebenze izinkokhelo zeselula, okuyisibalo esehla saya kuma-16% kulabo abaphakathi kweminyaka engama-34 nengama-26 ubudala. Akukho mehluko ophawulekayo phakathi kobulili, kepha ucwaningo luthole ukuthi labo abakhokha ngezingcingo zabo zomakhalekhukhwini imvamisa bangabantu abanezinga lemfundo futhi imali ephezulu.
Kodwa lokhu kwenziwa kanjani? Isikhathi esithile manje, amakhadi esikweletu afaka uhlelo lokukhokha ngaphandle kokuxhumana, olukuvumela ukuthi ukhokhe ngaphandle kokufaka ikhadi, kepha ngokumane ulisondeze ku-terminal. Ukwenza lokhu, basebenzisa i-RFID chip engenzi lutho eyabelana ngolwazi lapho ivuselelwa ngensimu ephansi ye-electromagnetic kusuka ohlelweni lokukhokha olugunyaziwe. Yebo, lobu buchwepheshe kanye ne-NFC (Near Field Communication, noma ukuxhumana kwezinkundla eziseduze), okufakwa kakhulu ama-smartphones, kuyafana, ngomehluko wokuthi uhlelo lwe-NFC oluhlanganiswe nezingcingo luyasebenza. Ngamanye amagama, i-chip ye-smartphone ikhiqiza inkambu yayo kagesi, engaphendula (noma cha) esicelweni sokukhokhwa kwedathaphone.
Ngaphezu kocingo olune-NFC, kuzodingeka nezinye izinto ezimbili: ukuthi isikhungo sinohlelo lokukhokha oluhambisana ne- ubuchwepheshe bokuxhumana, nokuthi ifoni inohlelo lokusebenza olufakiwe oluqukethe imininingwane yasebhange edluliswa lapho kwenziwa inkokhelo. Lezi zinhlelo yilezo eziqukethe "ikhophi yedijithali" yekhadi lesikweletu, hlola ubuqiniso nokuphepha kokuthengiselana, futhi uma konke kulungile, gunyaza ukukhokhwa kokuthengiwe.
Izicelo: I-Google Pay
Ezinye zezicelo eziningi ezingasetshenziswa ukukhokha ngocingo lweselula sezivele zitholakala ezikhungweni zezikweletu. Ngamasistimu kwezinye izimo asungula izinto ezintsha ezahlala kulo mkhakha. Njengesibonelo, ezimweni ezilandelayo esizidalula ngezansi:
I-Google Pay
Phambilini eyayaziwa nge-Android Pay, iGoogle Pay iyindlela yokukhokha yeselula eyenzelwe ekuqaleni amafoni e-Android, kepha futhi iyahambisana namadivayisi we-Apple. Ngaphezu kwalokho, inokusekelwa okubanzi kwamabhange nezinhlobo ezahlukahlukene zamakhadi, okwenza kube ngesinye sezinhlelo ezithandwa kakhulu.
Apple Pay
Kepha ngokwemvelo, i-Apple nayo inesistimu yayo: I-Apple Pay wuhlelo lokukhokha lweselula olwenzelwe amadivayisi alo aqala nge-iPhone 6, futhi yenzelwe kokubili ukukhokhela ukuthengwa okungokoqobo ngamatheminali okukhokha angaxhunyanisiwe, kanye nokuthengwa okuku-inthanethi ezitolo ezithile . Okunye okukhethekile ukuthi i-Apple Pay ayikuvumeli kuphela ukuthi ukhokhe kusuka ku-iPhone, kodwa futhi naku-Mac, i-iPad ngisho naku-Apple Watch.
ICaixaBank Khokha
Ekugcineni, esimweni seCaixaBank, iCaixaBank Pay inikela yonke imisebenzi edingekayo yokusebenza namakhadi ebhizinisi noma amakhadi asebhange, kanye namakhadi e-VISA avela kwamanye amabhange. Ukucaciswa kwayo ukuthi akuvumeli ukukhokha kuphela uma i-smartphone ine-NFC: uma ingatholakali, iCaixaBank inganikeza ilebula elinamathiselwe ngemuva kweselula, elizosebenza ngokufana ncamashi nekhadi elijwayelekile lapho uya esikhumulweni sokukhokha ongasithinti. Ngaphezu kwalokho, iCaixaBank Pay ikuvumela ukuthi ukhiphe imali kuma-ATM aseCaixaBank afakwe umfundi ongathintwa.
Ukukhuthaza lolu hlobo lokukhokha, iCaixaBank iqale uhlelo lweCashless e2018, esivele lwenziwe eMorella nasePamplona. Kulezi zindawo, ibhizinisi likhuthaze, ngokusebenzisa amabhonasi ahlukene, ukusetshenziswa komakhalekhukhwini, amakhadi nezinsimbi ezigqokekayo ukukhokha ezitolo zabantu. Ngale ndlela, izakhamizi zikwazile ukusebenzisa izindlela zazo zokukhokha ezidijithali - kungakhathalekile ukuthi ziyini izikhungo zazo zezimali - ekuthengeni kwazo kwansuku zonke.
Kukhona amanye amaphrojekthi esikhathi esizayo, afana ne-Facebook Pay, uhlelo lokukhokha olungasetshenziswa ku-Messenger, Instagram, WhatsApp naku-Facebook. Futhi kwenziwa ne-Face to Pay izivivinyo, okusho ukuthi, izinhlelo zokukhokha kusetshenziswa ukubonwa kobuso. Kepha okwamanje, lesi yisihloko sendatshana.
Isebenza kanjani iHal Cash?
Ngokukhokha noma ukudluliselwa kubantu ongayazi inombolo ye-akhawunti yabo. Futhi ilungele ukuthenga online (asithumeli imali size sithole umkhiqizo).
Ikhululekile futhi kulula ukuyisebenzisa. Le sevisi iyatholakala kwi-PC yakho, kudivayisi yakho ephathekayo, kusuka kwisevisi ye-othomathikhi yocingo noma emahhovisi ethu.
Vele ulandele lezi zinyathelo ezilula:
- Khombisa inombolo yocingo owemukelayo.
- Maka i- ubani ufuna ukudlulisa phakathi kwama-euro ayishumi kuya kwangu-10.
- Nika eyodwa iphasiwedi Amadijithi ama-4 (amaningi njengoba ufuna).
- Ukushayela kumamukeli ukuthi amnikeze ukhiye oyimfihlo.
- Umamukeli uthola i-SMS evela kwaHal Cash (217128) ekhombisa inani lokuthunyelwa nephasiwedi yesibili okufanele uye ngayo kwi-ATM.
- Ku-ATM: Kumele ushayele inombolo yeselula, inani kanye nokhiye ababili. Usunayo imali!
Lapho, ekugcineni, umamukeli enemikhawulo yezinsuku eziyi-10, kusukela ngosuku lokuthunyelwa, ukukhipha imali. Uma imali ingakhishwanga nganoma yisiphi isizathu, qiniseka ukuthi uyayibuyisa imali yakho njengoba inani selibuyiselwe ku-akhawunti yakho yokuhlola.
Izinzuzo zakho kubasebenzisi
Vele, lezi zindlela ezintsha zokukhokha zingukuqanjwa kwamuva komthethosivivinywa wokudlela, ukubhuka kwendiza yomoya noma ukumisa ngokusemthethweni noma yiluphi uhlobo lokubhaliselwe kwedijithali. Kuleli qiniso, kuneminikelo eminingi futhi eyahlukahlukene engakhiqizwa ngale ndlela yokukhokha, njengoba ikhethekile njengoba kungumbono omusha. Isibonelo, ngalezi zenzo ezilandelayo esizidalula ngezansi.
It ingashintshwa ukuze izitayela ezintsha ukusetshenziswa digital ngokusebenzisa takhiwo ezahlukene ukuthi angahlangabezana nezidingo abasebenzisi. Alukho uhlelo olulodwa nolukhethekile, kepha kunalokho, lunikezwa okunikezwa okuvulekile futhi, ngaphezu kwakho konke, okunikelwe okuhlukahlukene kakhulu.
Ubuchwepheshe bokuxhumana obuthuthuke kakhulu busetshenziswa ukuze izinsizakalo ezihamba phambili zinikezwe amakhasimende nokuthi bakwazi ukusebenzisa lezi zindlela zokukhokha ezimweni ezahlukahlukene kakhulu. Kepha ngaphezu kwakho konke ngosizo olukhulu ekuthengeni okwenziwe ezitolo noma ezitolo eziku-inthanethi.
Bavumela ukulula okukhulu ekukhokheni kanye nethuba lokuhamba ngaphandle kwemali ebonakalayo kuzo zonke izindawo. Akumangalisi ukuthi lolu uhlelo lokukhokha olwamukelwa ezikhungweni eziningi zezohwebo emhlabeni jikelele. Ngokwanda okusobala lokho kuzuzisa bonke abaphethe.
Yisixazululo ngalezo zikhathi lapho singenayo, nganoma yisiphi isizathu, imali futhi sidinga ukukhokhisa ngokuphuthuma kakhulu. Kunoma ikuphi, uhlelo olukhulayo ngokuya ngezidingo zabasebenzisi ngokwabo.
Futhi ekugcineni, asikwazi ukukhohlwa ukuthi le ndlela yokukhokha eningi kunazo zonke ikusasa ebudlelwaneni bethu nezwe lemali. Lapho kuzodingeka kuphela ukuthi kube ne-akhawunti yokonga enikezwe isivumelwano nesikhungo sezikweletu esibhekele ukumaketha lo mkhiqizo wezezimali okhethekile.
Izinhlobo zamathikithi esizini anale ndlela yokukhokha
Kuzo zonke izimo, le ndlela yokukhokha ilusizo kakhulu ochungechungeni lwezimo esizodalula ngezansi. Ukuze ngale ndlela, abasebenzisi ngokwabo babe nokucaca okukhulu ngokusetshenziswa kwayo nokuthi bangayisebenzisa kuphi. Kuzoba yindlela engcono kakhulu yokwengeza lolu hlelo lokukhokha kunoma yisiphi isimo. Njengesibonelo, kulezi zimo:
Lapho wenza noma yikuphi ukubhuka kohlobo lokuvakasha (ezokuthutha, indawo yokuhlala, amaphakheji eholide, njll.).
Kuzo zonke izinhlobo zokukhokha ekuthengeni kwedijithali okutholakala ezitolo eziku-inthanethi noma kumabhizinisi. Ukuthi kungahle kube ukuphela kohlelo olwamukelwa kulesigaba semisebenzi yezohwebo, sibe ngesinye sezinhlelo ezivame kakhulu kulo mkhakha wokusetshenziswa.
Ukwenza uchungechunge lwemisebenzi yendabuko ethe xaxa ezitolo zomzimba ezihambele lolu hlelo olusha kakhulu futhi oluvele lukhona njalo phakathi kwabasebenzisi abahlukahlukene. Kuze kube seqophelweni lokuthi selisabalele engxenyeni enhle yeminyakazo yokubalwa kwezimali kuzo zonke izingxenye zomhlaba.
Njengoba ukwazi ukubona, lolu hlelo esixoxe ngalo kulesi sihloko luyanda futhi aluguquki unyaka nonyaka. Ngalo mqondo, asikwazi ukukhohlwa ukuthi umphakathi omncane yiwona othambekele ekusetshenzisweni kwawo kusukela manje. Ikakhulu, lezo ezixhunyaniswe kakhulu nobuchwepheshe obusha kulwazi nezokuxhumana. Lapho ukusebenza khona kungenye yezimpawu zayo eziyinhloko zokuzazisa uma kuqhathaniswa nezinye izinhlobo zokukhokha ezihlukile. Futhi okunye.