Enye yezinto ezivelayo, zombini abo banoxanduva kunye nabasebenzisi beevenkile ezikwi-intanethi okanye amashishini, ziindlela zokuhlawula kunye neemveliso zemali abanokuzithenga kwiziko labo letyala. Kuba zininzi kwaye zahlukile ngokwendalo, njengoko kuya kubonwa ngezantsi.
Apho into ebaluleke kakhulu ekufuneka ithathelwe ingqalelo kolu didi lweenkampani zedijithali. Kwaye ngoyena uvela kwinyani yenxalenye ye- impumelelo yorhwebo nge-e Kungenxa yokukhululeka kokuba umthengi kufuneka ahlawule, ngokulula ngakumbi, kokukhona siya kuthanda ukuthenga ngokuqhutywa yintliziyo. Ukuya kwinqanaba lokuba esi sesinye sezitshixo kuphuhliso olulungileyo kurhwebo lwe-elektroniki.
Kwelinye icala, kuya kufuneka ukuba ubulelwe ngeli xesha ukuba zikhona ezinye iindlela ezihlala zisetyenziswa ngabasebenzisi abangathembeliyo ukufaka iinkcukacha zabo zekhadi letyala kwiwebhusayithi. Ukusuka kule ndawo, akuyi kubakho khetho ngaphandle kokubonelela abathengi okanye abasebenzisi ngeenkqubo zokuhlawula ezenza ukhuseleko kunye nokuzithemba ekusebenzeni kwabo. Uhlobo lwabo alunamsebenzi, kwanokuyila kwabo ngokutsha kulwakhiwo abalunikayo kumaqonga abo edijithali.
Udluliselo lwebhanki
Ukutshintshwa kwebhanki yindlela yokuhambisa imali kwi-akhawunti enye ukuya kwelinye. Yindlela yokudlulisa imali phakathi kweeakhawunti zebhanki ngaphandle kokususa imali ngokwasemzimbeni. Xa ufaka iodolo kwivenkile ekwi-intanethi ngogqithiso lwebhanki, umthengi uthunyelwa ikhowudi yoku-odola ekufuneka ibandakanyiwe ukudlulisa umyalelo.
Apho, akuba umrhwebi efumene idipozithi kwiakhawunti yakhe yebhanki kwaye aqinisekisa ukuba iyangqinelana nomyalelo wangoku, uphawula iodolo njengehlawulweyo kunye nokuthumela okuthengiswayo. Unganikezeli ngeengxaki ezinkulu ekusetyenzisweni kubudlelwane babasebenzisi kunye neevenkile ezikwi-Intanethi okanye amashishini. Apho enye yeenzuzo ezichaphazelekayo kukuba kungabandakanyi iikhomishini zokukhupha eli gunya kwibhanki okanye kwiziko lezemali.
Indlela yokuhlawula: Hlawula iPal
Yindlela yokubhaliselwa eye yenziwa ukuba ifashoni kule minyaka idlulileyo kunye nokhetho olukhulu phakathi kwabasebenzisi abaninzi okanye abathengi kule klasi yeenkonzo. Ukusuka kolu luvo, kufanele ukuba kukhankanywe ukuba i-PayPal yinkampani yaseMelika ephethwe yi-eBay, kwaye iye yaba yindlela yokuhlawula isasazeke kakhulu. Kwilizwe ngalinye u-Pay Pal uyakulungela ukusebenza kwayo, kodwa ngokubanzi ibonelela ngezi ndlela.
Sebenza ngemali ebifakwe ngaphambili kwiakhawunti ye-PayPal. Sebenza njengendawo yokuhlawula ebhankini, ucela iinkcukacha zekhadi letyala. Olukhetho olunokuba luncedo kakhulu kumashishini akwi-Intanethi, kule meko imelwe ziivenkile okanye amashishini edigital. Ukuza kuthi ga kwinqanaba lokuqokelela icandelo elifanelekileyo leemfuno zabasebenzisi bala maqonga edijithali. Ngolondolozo olubalulekileyo kwiikhomishini kunye nezinye iindleko kulawulo lwazo okanye kulondolozo.
Imali xa kuziswa
Enye into ekhoyo kule klasi ikhethekileyo kakhulu yamashishini yile imelwe yile mveliso yebhanki. Kwaye ibonakaliswe ngokukodwa kolu hlobo lwemisebenzi, nokuba luhlobo luni na. Kuba, intlawulo yenziwe Nje ukuba intengiso ifunyenwe. Kuyimfuneko ukuba ukuthengiswa kutshekishwe ngaphambi kokwenza intlawulo. Ngokukhetha ezi ndlela zokuhlawula, ivenkile ekwi-Intanethi ivelisa ikhowudi yoku-oda ethunyelwe kumthengi nge-imeyile kunye nesishwankathelo seodolo yabo. Iya kuba ngaphezulu nje ngokwaneleyo ukujongana nezi mfuno.
Ungalibali ukuba ngesiqhelo, ukuthumela ukuthengisa ngokuchasene nembuyekezo kubandakanya indleko ezongezelelweyo ezihlawulwa yinkampani yezothutho. Sisigqibo sokurhweba nge-elektroniki ukuthatha le ndleko okanye ukuyabela umthengi wokugqibela. Ngoncedo olongezelelekileyo, kwiimeko ezithile, ukuba umthengi akahlawuli ngentengiso, ayihanjiswa. Ukuba yinto enokuthi izuze izenzo zabo banoxanduva lwezi nkampani zihamba kwi-Intanethi.
Ukubhatalwa kweSage
Ngapha koko, eli lisango lokuhlawula ulawulo lokulwa ubuqhetseba Iqela leSage. Ngokungafaniyo nezinye iindlela zokuhlawula, eli libiza kuphela umrhumo osisigxina weenyanga ezingama-30 kwaye uvumela ukuya kuthi ga kwiwaka. Kwivolumu ephezulu yokuthengisa isabelo siya kunyuka. Ukuphucula ukusebenza, kubaluleke kakhulu ukuba ukusukela ngoku kubalwa ukusuka kwidatha yokuhlawulwa yeshishini lakho ukuba isixa semali sihanjiswa njani kuyo yonke intengiselwano yenyanga ukuvavanya ukuba ngaba ixabiso eliphantsi kunezinye iindlela ebezicetywe ngaphambili.
Ngayiphi na imeko, yindlela yokuhlawula entsha kunye ne-avant-garde enokuba yindawo yokuxhasa abanini abancinci nabaphakathi bevenkile ze-Intanethi okanye zamashishini. Ukuze ngale ndlela, bakwimeko yokuphuhlisa iindlela zabo kwicandelo lokunika ingxelo kwaye kunokuba luncedo kakhulu kwimidla yabo. Ngaphezulu kwezinye iindlela eziqhelekileyo okanye zesiko onokuthi uzisebenzise ngalo mzuzu kanye.
Amakhadi akhethekileyo etyala
Ziyimveliso eluncedo kakhulu ebhankini kwiimfuno zeengcali ezihlanganisiweyo kurhwebo lwe-elektroniki. Ubume babo busekwe kwinto yokuba baphatha ii-acumrhumo wobhaliso kunye nolondolozo lwasimahla. Ukuyisebenzisa en phesheya: ngokurhoxa kabini ngenyanga ngaphandle kwekhomishini kwii-ATM ngaphandle kweSpain. Kwelinye icala, ibonelela ngezibonelelo zayo ezifanelekileyo kwi-intanethi yokuthenga i-inshurensi kunye nokuThengwa okuKhuselweyo ngenkampani yeinshurensi. Ngeli khadi lokuthenga ngetyala uya kuba nesaphulelo se-2% kwizikhululo zeenkonzo zezinye iimveliso zorhwebo kwaye ngaphandle komda kwisixa, kokubini kwipetroli nakwivenkile.
Kwelinye icala, kwaye ngaphandle kwezaphulelo zokusetyenziswa, zinezinye izibonelelo ezinikezelwa lolu hlobo lwamakhadi zizaphulelo ezinokufunyanwa, phakathi kwe-3% kunye ne-5%, kwiiarhente zokuhamba, iityathanga zehotele, iivenkile zokutyela okanye iimveliso zixhaphake kakhulu. ikhonkrithi kwiinyanga zeholide.
Kukho iintlobo ngeentlobo zamakhadi- kwimodeli yabo yamatyala- abakhetha ukunika unyuselo apho abanini babo bathatha inxaxheba kwiiraffles zenyanga ngeenyanga zehlobo, apho inani lebhaso liya kulingana nenani lekhredithi elityelweyo ngumthengi.
Iiakhawunti zeeSME ezikwi-intanethi
Kule meko, sisisombululo sezemali koosomashishini abancinci nabaphakathi, oosomashishini, iingcali kunye nabarhwebi ababonelela ngezibonelelo zokulawula ishishini labo njengokuhlawulwa ngokuthe ngqo, ukhuseleko lwentlalo, iirhafu kunye nokuhlawulwa kwabasebenzi babo; nangona ngaphandle kokungahoyi ezinye ngokubanzi ezinje ngogqithiso lwesizwe kunye khangela idipozithi simahla, sInkonzo yoncedo lwezomthetho kunye neebhanki kunye namakhadi etyala ngaphandle kwemali, phakathi kweminye imirhumo.
Ngaloo ngqiqo, eNgexesha lokuqesha kuyacetyiswa ukuba zonke iakhawunti eziveliswe yimakethi yasebhankini zihlalutywe ukujonga iindleko zentshukumo, imiba, ingeniso kunye nokudluliselwa, nomsebenzi wokukhetha eyona ilungele iimfuno zabasebenzisi bayo, kunye nokusetyenziswa Zonke izibonelelo ezifakwe kwiakhawunti ziingcali.
Olunye lweempawu zeemveliso zebhanki kukuba banikezela umvuzo ophezulu kubaninizo, kuluhlu oluphakathi kwe-1,00% kunye ne-1,50%, evumela ukonyuka okungekho ngaphezulu kwe-0,75% ngaphezulu kweefomathi zemveli, kongezwa oko ubukhulu becala zisimahla kwimirhumo yolawulo nolondolozo.
Iimveliso zokwenza urhwebo lwedijithali
Kwisibonelelo sangoku seakhawunti esijolise koosomashishini, oosomashishini abancinci kunye neengcali, akukho kunqongophala kwezo zijolise ngokukodwa ekudalweni kwenkampani, inikezela ngolunye uhlobo igalelo lobuchule kubaninizo. Le yimeko yenxalenye elungileyo yamaziko etyala athe akhetha ukunika abathengi bawo "iakhawunti entsha yokonga inkampani", imveliso yokonga yegalelo elizayo lekapitali yentlalo yomgaqo-siseko wenkampani encinci kwinkampani entsha, kwaye ukwenza njalo ngazo zonke izibonelelo zerhafu yemimiselo yangoku, kunye neemeko zenzuzo engcono xa kuthelekiswa nezinye iimveliso ezineempawu ezifanayo.
Kule meko, amaxabiso enzala asebenzayo zii-0,50% kwimali eseleyo efikelela kwi-50.000 euros, kwaye inyusa i-0,75% ngexabiso eliphezulu. Ayicingi ngembophelelo yomvuzo omncinci, okanye ngamaxesha athile kunye nezibonelelo zerhafu ebalulekileyo, kuba zonke izixa ezifakiweyo kunyaka ngamnye ziya kuncitshiswa i-15% kwingxelo yengeniso yezi zilandelayo (ubuninzi be-euro ezingama-9.000).
Ngelixa, ngokuchaseneyo, iakhawunti ayivumi ngqo kwityala, ivumela ukubakho kwemali nangaliphi na ixesha ukuba isetyenziselwe ukubhalisela izabelo zenkampani entsha, eya kuthi yenziwe kwisithuba seminyaka emi-4 ukusuka Umhla wokuvulwa kwe-akhawunti, kunye nombhalo kwirejista ye-mercantile efanayo. Ngaphandle koko, kokubini ngenjongo yokubonelelwa kunye nelona xesha liphezulu, zonke iikhredithi zerhafu ziya kulahleka.