Indlela Imishini Yokuthengisa Engenayo Imali Ethuthukisa Ngayo Ulwazi Lwamakhasimende

Njengoba ukuthenga okuningi kwansuku zonke kuthuthela kumakhadi, amafoni, kanye nezikhwama zemali zedijithali, imishini yokuthengisa kulindeleke ukuthi inikeze ulwazi lokukhokha olusheshayo noluphansi njengezinye iziteshi zokuthengisa. Izinhlelo zokukhokha ezingenayo imali zenza okungaphezu kokushintsha izinhlamvu zemali namabhili: zinciphisa izithiyo zokuthenga, zifinyeze isikhathi sokuthengiselana, futhi zenze ukuzisiza kuzizwe kuthembekile kakhulu kumakhasimende angavamile ukuphatha imali. Lesi sihloko sichaza ukuthi ukuthengisa ngaphandle kwemali kuthuthukisa kanjani ukulula, kwandisa ukuthengisa okuqediwe, futhi kusekela uhambo olubushelelezi lomsebenzisi kusukela ekukhetheni umkhiqizo kuya ekukhokheni, kuyilapho sibonisa nokuthi kungani ukuguquguquka kokukhokha kube yimfuneko ewusizo ekuthengisweni okuzenzakalelayo kwesimanje.

Kungani Ukukhokha Okungenamali Kubalulekile Kulwazi Lwamakhasimende

Imboni yokuthengisa ezenzakalelayo idlula ekuguqulweni kwesakhiwo okuqhutshwa yisidingo sabathengi sokuthengiselana ngaphandle kokungqubuzana.Ukuthengiswa kwenkokhelo ngaphandle kwemali sekuthuthukilekusukela ekubeni ngokunethezeka okukhethekile kuya ekubeni nesidingo esiyisisekelo semisebenzi yesimanje yokuzisiza. Imininingwane yemboni ikhombisa ukuthi abathengi abangaphezu kuka-70% manje bakhetha izinkokhelo zamakhadi noma zeselula ngokuthenga okuncane kwansuku zonke, okushintsha kakhulu okulindelwe ezindaweni zokuthengisa ezenzakalelayo.

Njengoba ukuthengisa okunganakwa kukhula kube yizigaba zemikhiqizo emisha, isikhombimsebenzisi sokukhokha sisebenza njengendawo ebalulekile echaza uhambo lomsebenzisi. Ukwehluleka ukwenza lesi sikhombimsebenzisi sibe sesimanje kudala izithiyo ezisheshayo zokungena kwabantu abaningi abasebenzisa idijithali kuqala.

Ukushintsha izintandokazi zokukhokha kanye nokulindelwe ngamakhasimende

Ukushintsha kusuka emalini ebonakalayo kuye kwashesha ngokushesha eminyakeni eyishumi edlule. Abathengi bathembela kakhulu kuma-smartphone asebenzisa i-NFC, ama-smartwatches, kanye namakhadi e-EMV chip ukuze bahambe emisebenzini yabo yansuku zonke. Lapho bebhekene nomshini wokukhipha imali kuphela, ingxenye enkulu yabathengi banamuhla izomane ihambe kunokuba ifune i-ATM noma iphule ibhili elikhulu.

Lolu shintsho lusho ukuthi abathengisi kumele bavumelanise ihadiwe yabo nezikhwama zedijithali amakhasimende abo asevele enazo. Ukulindela ukwaneliseka okusheshayo kwedijithali kudlulela kuyo yonke intsebenziswano yokuthengisa, okwenza izinhlamvu zemali ezindala kanye neziqinisekiso zezikweletu zizizwe ziphelelwe yisikhathi futhi zingakhululekile kumsebenzisi wokugcina.

Umthelela ekululameni, ekuguqulweni, kanye nokwaneliseka

Ukususa ukungqubuzana koshintsho oluqondile kuhlobene ngqo namazinga aphezulu okuguqulwa. Izifundo zibonisa ukuthi izindawo ezethula abafundi abangenamali zithola ukwanda okufika ku-25% kwevolumu yokuthengiselana iyonke. Ngokuhlanganisaizinketho zomkhiqizo othuthukisiweezisekela amasango okukhokha amaningi, abaqhubi bathuthukisa kakhulu ukwaneliseka kwamakhasimende.

Ukusebenziseka kalula kokuxhumana okusheshayo kokuthinta nokuhamba kuguqula ulwazi olungakhungathekisa lube yisevisi engenazinkinga. Uma amakhasimende azi ukuthi angakwazi ukuthenga into ngokwethembeka ngaphandle kokukhathazeka ngokuphatha amanani athile, kukhuthaza ibhizinisi eliphindaphindayo futhi kwakha ukwethembeka kwendawo isikhathi eside.

Indlela Imishini Yokuthengisa Engenayo Imali Ethuthukisa Ngayo Ulwazi Lwamakhasimende

Ukuxhumana okuqondile phakathi komthengi nomshini kunquma impumelelo yokuthengisa okuzenzakalelayo. Ukuthuthukela ezinhlelweni ezingenamali kuhlose ngqo amaphuzu okungqubuzana avame ukuhlangatshezwana nawo ngesikhathi sohambo lokuthenga, okwenza inqubo ibe lula kusukela ekukhetheni umkhiqizo kuya ekukhishweni kokugcina.

Amaphuzu obuhlungu kumakhasimende ancishiswe yizinkokhelo ezingenayo imali

Abahloli bezinhlamvu zemali zendabuko kanye nezindleko baziwa ngokwenqaba imali efinyezekile kancane noma ukwehluleka ukukhipha ushintsho olufanele, okuholela kokuhlangenwe nakho okungekuhle komsebenzisi. Ngaphezu kwalokho, ukuminyana kwezinhlamvu zemali okwenziwe ngomshini kubangela cishe u-40% wesikhathi sokungasebenzi komshini sendabuko, okushiya amakhasimende ekhungathekile futhi kubize imali engenayo yabaqhubi.

Izinhlelo ezingenayo imali zisusa ukukhathazeka kokulahlekelwa yimali kumuntu owamukela ibhili ongasebenzi kahle futhi zisuse umthwalo wokuthwala ushintshi oqondile. Ngokudlula abaqinisekisi bemali ebonakalayo, abaqhubi bakha indawo yokuthenga ethembeke kakhulu futhi ebikezelwayo lapho ukuthengiselana kuphumelela khona emzamweni wokuqala.

Imiphumela yesivinini, ukukhetha inkokhelo, kanye nokukhokha ngaphandle kokuthinta

Ijubane lokuthengiselana liyisilinganiso esibalulekile ezindaweni ezinabantu abaningi njengezindawo zokuhamba, amanyuvesi, noma izindawo zokuphumula emahhovisi. Nakuba ukuthengiselana ngemali okuvamile kungathatha phakathi kwemizuzwana eyi-12 kuya kweyi-15 njengoba abasebenzisi besesha izinhlamvu zemali, befaka amabhili, futhi belinde ushintshi, ukuphuma ngaphandle kokuthintana nge-tap-to-pay kuvame ukuphela ngaphansi kwemizuzwana emi-3.

Ukuhlinzekaizinketho eziningi zokukhokha—kufaka phakathi i-Apple Pay, i-Google Pay, kanye namakhadi esikweletu ajwayelekile—kuqinisekisa ukuthi akukho khasimende elishiywa lingakhokhelwa. Isici sokuhlanzeka sokukhokha ngaphandle kokuthinta sikhanga nabathengi abaqaphela impilo abakhetha ukugwema ukuthinta izikhala zemali ezabiwe kanye nezinkinobho zekhibhodi.

Izinzuzo Zokusebenza Nezentengiselwano Zokukhokha Ngaphandle Kwemali

Nakuba umuntu ozuza ngokushesha ekuthengisweni kwezimali ngaphandle kwemali kumsebenzisi wokugcina, izinzuzo zokusebenza nezentengiselwano zebhizinisi zinkulu ngokulinganayo. Ukuthuthukisa ingqalasizinda yokukhokha kushintsha ukuguquguquka kwezezimali kokusebenza kwemizila, kunciphisa izindleko ngenkathi kuqhuba imali engenayo ephezulu ngesikhathi esifanayo.

Ukuthengisa ngaphandle kwemali uma kuqhathaniswa nokuthengisa ngemali kuphela

Ukuthembela kuphela emalini kudinga izindlela zokuqoqa imali ezidinga amandla amaningi, ukubalwa ngesandla, kanye nokufakwa kwemali ebhange okungokoqobo. Le modeli yendabuko inezingozi ezihambisana nayo, okuhlanganisa isilinganiso sokuncipha kwesilinganiso esingu-2% kuya ku-4% ngenxa yokwebiwa, amaphutha ezimali, noma ukuphathwa kabi kwangaphakathi.

Ukushintshela ekukhokheni kwedijithali kudlulisela imali ngqo kuma-akhawunti omthengisi, kunciphisa kakhulu izingozi zokuphepha ngokomzimba kanye nezindleko zomsebenzi ezihlobene nokuphathwa kwemali. Abaqhubi bachitha isikhathi esincane bebala amakota kanye nesikhathi esiningi behlaziya inzuzo yomzila.

Ukuphakamisa ukuthengisa kanye nokusebenza kahle

Inzuzo enkulu kwezentengiselwano ukwanda kwe-Average Transaction Value (ATV). Ngenxa yokuthi abathengi abanqunyelwe yimali ekhona emaphaketheni abo, banamathuba amaningi okuthenga izinto ze-premium noma imikhiqizo eminingi ngesikhathi esisodwa, okwenza i-ATV ikhuphuke ngo-20% kuya ku-30%.

Ngaphezu kwalokho, izinhlelo zokukhokha ngaphandle kwemali zihlobene ngokwemvelo nesofthiwe ye-telemetry. Lokhu kuvumela opharetha ukuthi baqaphe amazinga esitokwe ngesikhathi sangempela kanye nempilo yomshini kude. Ngokusebenzisa lolu lwazi, opharetha bangenza ngcono imizila yokubuyisela impahla, banciphise ukuvakasha kwezinsizakalo okungadingekile ngamaphesenti angu-15, futhi baqinisekise ukuthi izinto ezithengiswa kakhulu azipheli esitokweni.

Okufanele Ukuhlole Lapho Usebenzisa Ukukhokha Okungenamali

Ukuthuthukisa izimoto ezikhona noma ukusebenzisa inethiwekhi entsha yemishini engenamali kudinga ukuhlela ngokucophelela ubuchwepheshe kanye nezezimali. Abaqhubi kumele balandele ukuhambisana kwehadiwe, izidingo zokuxhumeka, kanye nezinhlaka zomthetho eziqinile ukuqinisekisa ulwazi olungenamthungo lwabathengi.

Izidingo zehadiwe, isofthiwe, ukuxhumana, kanye nokuphepha

Abafundi besimanje abasebenzisa imali badinga ukuxhumana okuzinzile kwamaselula ukuze basebenze ngokushesha, ngokuvamile bethembele kumanethiwekhi e-4G LTE noma e-5G. Imishini ebekwe ezindlini ezingaphansi komhlaba noma ezakhiweni ezivikelwe kakhulu ingadinga ama-antenna anamandla okuthola amandla ukuze igcine amandla esignali adingekayo.

Ihadiwe kumele ixhumane kahle nebhodi lokulawula lomshini, ngokuvamile isebenzisa iphrothokholi ye-Multi-Drop Bus (MDB). Amadeshibhodi esofthiwe aqinile nawo ayadingeka ukulandelela idatha yokuthengisa, ukuphatha ukubuyiselwa kwemali, nokuqapha isikhathi sokuxhumana, ukuqinisekisa ukuthi uhlelo luhlala lusebenza futhi luvikelekile ekungeneni kwedijithali.

Imali yokucubungula, ukuthobela imithetho ye-PCI, kanye nemithethonqubo

Ukulula kwedijithali kuza nezimali zokucubungula abathengisi, ezivame ukusuka ku-5% kuya ku-6% ngokuthengiselana ngakunye emkhakheni wokukhokha okuncane, noma zisebenza ngesilinganiso esihlanganisiwe semali elinganayo kanye nephesenti. Abaqhubi kumele bahlanganise lezi zindleko kumamodeli abo entengo, ngezinye izikhathi basebenzise amasu entengo amabili ukuze bakhokhe izindleko.

Ngaphezu kwalokho, zonke izikhungo zokukhokha kumele zilandele ngokuqinile imithethonqubo ye-Payment Card Industry Data Security Standard (PCI-DSS) ukuze kuvikelwe idatha yabathengi. Ukuthobela imithetho akuxoxiswana ngakho futhi kudinga ukusebenzisa ihadiwe yokubethela iphuzu kuya endaweni (P2PE) eqinisekisiwe ukuvikela umqhubi kanye nomthengi ekubhekaneni nesibopho.

Izinyathelo ezisebenzayo zokuqalisa ulwazi olungcono lwamakhasimende

Isu lokusebenzisa eliphumelelayo liqala ngokuhlolwa kwesayithi ukuqinisekisa amandla esignali yeselula ngaphambi kokufakwa. Abaqhubi kufanele basebenziseukuqaliswa okunezigaba, ukuhlola iqembu elincane lemishini ngaphambi kokuzibophezela ekuthuthukiseni inethiwekhi yonke.

Kufanele kufakwe izimpawu ezicacile nezifundisayo emshinini ukuze kufundiswe abasebenzisi ngezindlela ezintsha zokukhokha, ikakhulukazi uma kusetshenziswa amanani amabili. Ukuze uthole iseluleko esifanelana namasu okusebenzisa kanye nokukhetha ihadiwe, opharetha bangafunaisiqondiso sochwephesheukuqinisekisa ushintsho olubushelelezi olunciphisa isikhathi sokungasebenzi futhi olukhulisa ukusetshenziswa komsebenzisi.

Indlela Yokunquma Uma Ukuthengiswa Kwenkokhelo Engenamali Kukulungele

Naphezu kwezinzuzo ezicacile, isinqumo sokutshala imali ekuthengisweni kwezimali ngaphandle kwemali kumele siqhutshwe idatha kanye nokuqonda okucacileimakethe eqondiweAkuzona zonke izindawo ezizoletha imbuyiselo efanayo ekutshalweni kwezimali, okwenza ukubekwa kwamasu kube yinto ebalulekile.

Izindawo ezifaneleka kakhulu, izingxenye zamakhasimende, kanye nezigaba zomkhiqizo

Izindawo ezinabantu abaningi njengezikhungo zezinkampani, amanyuvesi, kanye nezikhumulo zezindiza yizona ezikhethwa kakhulu ezinhlelweni zokukhokha imali ngenxa yokuthembela kakhulu kwabantu ezimalini zedijithali. Kulezi zimo, ijubane lokuthengiselana lithinta ngqo inani eliphelele lokuthengisa ngesikhathi samahora aphezulu.

Ngaphezu kwalokho, ukusebenza ngaphandle kwemali kuyimpoqo emishinini ekhipha izimpahla zekhwalithi ephezulu. Uma umqhubi ehlela ukuthengisa izinto zikagesi, izimonyo zekhwalithi ephezulu, noma ukudla okusha okunentengo engaphezu komkhawulo ka-$5.00, abaqinisekisi bemali kuphela baba yisithiyo esikhulu.mayelana nezixazululo zokuthengisa zobungcwetikungasiza opharetha ukuthi bafanise ubuchwepheshe obufanele kanye nengxube yomkhiqizo nenani labantu abafanele.

Ukulinganisela izinzuzo zesipiliyoni samakhasimende nezindleko

Abaqhubi kumele babale iphuzu lokulinganisa lokutshalwa kwezimali kwehadiwe. Ukulungisa umshini okhona nge-cashless reader ngokuvamile kubiza phakathi kuka-$250 no-$400, kanye nezindleko ze-telemetry zanyanga zonke kanye nezindleko zesango leselula ezingu-$8 kuya ku-$10 ngeyunithi ngayinye.

Ngokubikezela ukukhushulwa kokuthengisa okulindelwe okungu-20% kuya ku-25% uma kuqhathaniswa nalezi zindleko zemali kanye nokusebenza, amabhizinisi anganquma ukuthi ukuthuthukiswa kuzokwenzeka kanjani. Ezindaweni ezinabantu abaningi, isikhathi sokukhokha sivame ukubonwa ezinyangeni zokuqala eziyi-6 kuya kweziyi-12.

Ukufunda okwengeziwe:

• ukuthengiswa kwenkokhelo ngaphandle kwemali
• ukuthengiswa kwenkokhelo ngaphandle kwemali
• ukuthengiswa kwenkokhelo ngaphandle kwemali

Izinto Ezibalulekile Okufanele Uzicabangele

• Iziphetho ezibaluleke kakhulu kanye nesizathu sokuthengiswa kwenkokhelo ngaphandle kwemali
• Imininingwane, ukuhambisana, kanye nokuhlolwa kwengozi okufanele kuqinisekiswe ngaphambi kokuthi uzibophezele
• Izinyathelo ezilandelayo ezisebenzayo kanye nezixwayiso abafundi abangazisebenzisa ngokushesha

imibuzo ejwayelekile ukubuzwa

Kungani imishini yokuthengisa ngaphandle kwemali ithuthukisa ulwazi lwamakhasimende?

Zisusa isidingo sokushintsha okuqondile, zisheshise ukukhokha, futhi zinciphise izinkokhelo ezihlulekile ezivela kubamukeli bezinhlamvu zemali ezivinjiwe noma abakhokhi.

Yiziphi izindlela zokukhokha okufanele zamukelwe umshini wokuthengisa wesimanje?

Yamukela amakhadi e-EMV chip, amakhadi asebhange angenakho ukuthinta, i-Apple Pay, i-Google Pay, kanye nezinye izikhwama zeselula ze-NFC ukuze ukhonze abasebenzisi abaningi.

Kushesha kangakanani ukukhokha ngaphandle kwemali kunokukhokha ngekheshi?

Ukukhokha ngaphandle kwemali kuvame ukuphela ngemizuzwana emi-2-3, kuyilapho ukuthenga ngemali kuvame ukuthatha imizuzwana eyi-12-15.

Ingabe ukuthengisa ngaphandle kwemali kungasiza ekwandiseni ukuthengisa ezindaweni ezimatasa?

Yebo. Ukuthengiselana okusheshayo kanye nezinketho eziningi zokukhokha kunganciphisa ukuhamba ngezinyawo futhi kungandisa ivolumu yokuthengiselana, ikakhulukazi emahhovisi, ezikoleni, nasezindaweni zokuthutha.

Ingabe i-YL Vending inikeza imishini esekela izinketho zokukhokha ngaphandle kwemali?

Yebo. I-YL Vending inikeza izinketho zomshini wokuthengisa ezisekela ukuhlanganiswa kokukhokha okuningi kwamakhadi kanye nezikhwama zemali zeselula; hlola amakhasi abo omkhiqizo ukuthola imininingwane yemodeli.