Enye yezinto evelayo, bobabili labo abanesibopho nabasebenzisi bezitolo eziku-inthanethi noma amabhizinisi, izindlela zokukhokha nemikhiqizo yezezimali abangayenza ngenkontileka ngesikhungo sabo sesikweletu. Ngoba ziningi futhi zihlukahlukene ngemvelo, njengoba kuzobonwa ngezansi.
Lapho kufanele kubhekwe isici esibaluleke kakhulu salesi sigaba sezinkampani zedijithali. Futhi iyona etholakala engxenyeni yeqiniso ye- impumelelo ye-e-commerce Kungenxa yokuthi lula ukuthi ikhasimende kumele likhokhe, uma kuba lula, kulapho sizovuna khona ukuthenga okungazelelwe. Ukufika ezingeni lokuthi lokhu kungenye yezikhiye zentuthuko enhle kwezentengiselwano ngogesi.
Ngakolunye uhlangothi, kufanele futhi kwaziswe ngalesi sikhathi ukuthi kunezindlela ezithile ezivame ukusetshenziswa ngabasebenzisi abangathembi ukufaka imininingwane yabo yekhadi lesikweletu kuwebhusayithi. Ngokwalokhu kubuka, ngeke kube nokukhetha ngaphandle kokunikeza amakhasimende noma abasebenzisi amasistimu wokukhokha akhiqiza ukuphepha nokuzethemba ekusebenzeni kwabo. Imvelo yabo ayinandaba, ngisho nokuqanjwa kwabo okusha esakhiweni abasinikezayo kusuka kuzingxenyekazi zabo zedijithali.
Ukudluliselwa kwebhange
Ukudluliswa kwebhange kuyindlela yokuhambisa imali isuka kwenye i-akhawunti iye kwenye. Kuyindlela yokudlulisa izimali phakathi kwama-akhawunti asebhange ngaphandle kokukhipha imali ngokomzimba. Lapho ufaka i-oda esitolo esiku-inthanethi ngokudluliswa kwebhange, ikhasimende lithunyelwa ikhodi yoku-oda okufanele ifakwe ku ukudlulisa oda.
Lapho, lapho umthengisi esethole ukungena kwi-akhawunti yakhe yasebhange futhi eqinisekisa ukuthi iyafana ne-oda lamanje, imaka i-oda njengekhokhelwe bese ethola ukuthumela okuthengiswayo. Ukunganikeli ngezinkinga ezinkulu zokusetshenziswa ebudlelwaneni bomsebenzisi nezitolo eziku-inthanethi noma amabhizinisi. Lapho enye yezinzuzo zayo ezifanele ukuthi kungabandakanyi amakhomishini wokukhipha lo myalelo ebhange noma esikhungweni sezezimali.
Indlela yokukhokha: Khokha u-Pal
Kuyindlela yokubhalisa eye yaba semfashinini eminyakeni yamuva ngokuzikhethela okukhulu phakathi kwabasebenzisi abaningi noma amaklayenti akulesi sigaba sezinsizakalo. Ngokombono, kufanele kushiwo ukuthi i-PayPal yinkampani yaseMelika ephethwe yi-eBay, futhi isibe yindlela yokukhokha kwandile kakhulu. Ezweni ngalinye i-Pay Pal ikufanelekela ukusebenza kwayo, kepha ngokuvamile inikeza lezi zindlela.
Sebenza ngemali ebifakwe ngaphambilini ku-akhawunti ye-PayPal. Sebenza njengesango lokukhokha ebhange, ucela imininingwane yekhadi lesikweletu. Kuyindlela engaba wusizo kakhulu kumabhizinisi aku-inthanethi, kuleli cala amelwe izitolo noma amabhizinisi edijithali. Kufike ezingeni lokuqoqa ingxenye enhle yezimfuno zabasebenzisi balezi zingxenyekazi zedijithali. Ngokonga okukhulu kumakhomishini nezinye izindleko ekuphathweni noma ekugcineni.
Imali ekhokhelwa ukulethwa
Enye indlela etholakalayo kulesi sigaba esikhethekile samabhizinisi yileso esimele lo mkhiqizo wasebhange. Futhi kukhonjiswa ikakhulukazi ngalolu hlobo lwemisebenzi, noma ngabe hlobo luni lwayo. Ngoba empeleni, inkokhelo yenziwa uma impahla seyitholakele. Kuyadingeka ukuthi okuthengiswayo kuhlolwe ngaphambi kokwenza inkokhelo. Ngokukhetha lezi zindlela zokukhokha, isitolo esiku-inthanethi sakha ikhodi yoku-oda ethunyelwe kumakhasimende nge-imeyili kanye nesifinyezo se-oda labo. Kuzoba ngokwanele ukubhekana nalezi zidingo.
Ungakhohlwa ukuthi imvamisa, ukuthumela okuthengiswayo okuphikisana nokubuyiselwa kwemali kufaka izindleko ezengeziwe ezikhokhiswa yinkampani yezokuthutha. Kuyisinqumo sezentengiselwano se-elekthronikhi ukuthatha le ndleko noma ukuyabela ikhasimende ekugcineni. Ngenzuzo eyengeziwe, ezimweni ezithile, ukuthi uma ikhasimende lingakhokhele okuthengiswayo, alethwa. Ukuba yinto engazuzisa izenzo zalabo ababhekele lezi zinkampani ezihamba nge-Intanethi.
I-Sagepay
Ngaphezu kwalokho, leli isango lokukhokha nge ukulwa nokukhwabanisa ephethwe yiqembu le-Sage. Ngokungafani nezinye izindlela zokukhokha, lena ikhokha kuphela imali ekhokhwayo yanyanga zonke engama-euro angama-30 futhi ivumela ukuthengiselana okungafika kwinkulungwane. Ngomthamo ophakeme wokuthengisa isabelo sizokwenyuka. Ukwenza umsebenzi usebenze kahle, kubaluleke kakhulu ukuthi kusukela manje kubalwa kusukela kwimininingwane yokukhokha yebhizinisi lakho ukuthi inani lemali lisatshalaliswa kanjani kukho konke okwenziwayo nyangazonke ukuze kuhlolwe ukuthi kushibhile yini kunezinye izindlela eziphakanyiswe ngaphambili.
Kunoma ikuphi, kuyindlela yokukhokha entsha ne-avant-garde engaba iphuzu lokusekelwa kwabanikazi abancane naphakathi kwezitolo eziku-inthanethi noma amabhizinisi. Ukuze ngale ndlela, babe sesimweni sokuthuthukisa amasu abo emkhakheni wezezimali futhi lokho kungabasiza kakhulu kuzintshisekelo zabo zobungcweti. Ngaphezu kwezinye izindlela ezijwayelekile noma zendabuko ongazisebenzisa ngalesi sikhathi esiqondile.
Amakhadi esikweletu akhethekile
Ziwumkhiqizo wasebhange owusizo kakhulu wezidingo zochwepheshe abahlanganiswe nokuhweba ngogesi. Isakhiwo sayo sincike ekutheni ziphethe i-acimali yokubhalisa nokunakekelwa kwamahhala. Ukuyisebenzisa en phesheya: ngokuhoxa kabili ngenyanga ngaphandle kwekhomishini kuma-ATM ngaphandle kweSpain. Ngakolunye uhlangothi, inikela phakathi kwezinzuzo zayo ezifanele umshwalense wokuthenga okuku-inthanethi nokuthengwa okuvikelwe ngenkampani yomshuwalense. Ngaleli khadi lesikweletu uzoba nesaphulelo esingu-2% eziteshini zensizakalo zemikhiqizo ethile yezentengiselwano futhi ungekho umkhawulo enanini, kokubili kukaphethiloli nasesitolo.
Ngakolunye uhlangothi, futhi ngaphandle kwezaphulelo zokusetshenziswa, kunezinye izinzuzo ezinikezwa yilolu hlobo lwamakhadi izaphulelo ezingatholakala, phakathi kuka-3% no-5%, kuma-ejensi wezokuvakasha, amaketanga amahhotela, izindawo zokudlela noma imikhiqizo ejwayelekile kakhulu ukhonkolo wezinyanga zeholide.
Kunezinhlobonhlobo zamakhadi -kuzinhlelo zawo zezikweletu- ezikhetha ukunikela ngamaphromoshini lapho abanikazi bawo babamba iqhaza kuma-raffles nyangazonke phakathi nezinyanga zasehlobo, lapho inani lomklomelo lizolingana nenani lesikweletu elidliwe yikhasimende.
Ama-akhawunti ama-SME aku-inthanethi
Kulokhu, kuyisixazululo sezezimali kosomabhizinisi abancane nabaphakathi, osomabhizinisi, ochwepheshe kanye nabathengisi okunikeza izinzuzo zokuphatha ibhizinisi labo njengokudonswa kwemali ngqo, ukuphepha kwezenhlalakahle, izintela nokukhokhelwa kwabasebenzi babo; yize ngaphandle kokungakunaki okunye okujwayelekile njengokudluliselwa kukazwelonke kanye hlola idiphozi mahhala, sinsizakalo yosizo lwezomthetho kanye namakhadi asebhange nasebhange futhi ngaphandle kokukhishwa kwemali, phakathi kweminye iminikelo.
Ngalesi sizathu, eNgesikhathi senkontileka, kungakuhle ukuthi wonke ama-akhawunti akhiqizwe yimakethe yasebhange ahlaziywe ukubheka izindleko zokuhamba, izingqinamba, imali engenayo nokudluliswa, ngomsebenzi wokukhetha leyo evumelana kangcono nezidingo zabasebenzisi bayo, futhi sebenzisa zonke izinzuzo ezifakwa yi-akhawunti kubachwepheshe.
Esinye sezici zale mikhiqizo yasebhange ukuthi banikela ngemiholo ephezulu kubanikazi babo, ebangeni eliphakathi kuka-1,00% no-1,50%, okuvumela ukwanda okungekho ngaphezu kuka-0,75% ngaphezu kwamafomethi wendabuko, okunezelwa ukuthi ikakhulukazi mahhala kwezimali zokuphatha nezokugcinwa.
Imikhiqizo yokwenziwa kokuhweba kwedijithali
Esikhathini samanje sama-akhawunti ahloselwe osomabhizinisi, osomabhizinisi abancane kanye nochwepheshe, akukho nokushoda kwalabo okuhloswe ngakho ikakhulukazi ukudala inkampani, okunikela ngolunye uhlobo lwe iminikelo yobungcweti kubaninizo. Lokhu kuyingxenye yengxenye enhle yezikhungo ezikweleta ezikhethe ukunikeza amaklayenti azo i- “New Company Savings Account”, umkhiqizo wokonga umnikelo wesikhathi esizayo wezimali zenhlalo ngomthethosisekelo wenkampani elinganiselwe enkampanini entsha, futhi ukwenza njalo ngazo zonke izinzuzo zentela zemithethonqubo yamanje, nezimo zenzuzo engcono uma kuqhathaniswa neminye imikhiqizo enezici ezifanayo.
Kulokhu, amanani enzalo asebenzayo angama-0,50% ezilinganisweni ezifika kuma-euro angama-50.000, futhi azinyusela ku-0,75% ngamanani aphezulu. Akucabangi ukuzibophezela okuncane kwemali engenayo, noma okuya ngezikhathi ezithile kanye nezinzuzo ezibalulekile zentela, ngoba zonke izimali ezifakiwe ngonyaka ngamunye zizodonswa ngo-15% esitatimendeni semali salokhu okulandelayo (okunama-euro angama-9.000).
Ngenkathi, ngokuphambene nalokho, i-akhawunti ingavumi ukudonswa kwemali ngqo, ivumela ukutholakala kwezimali nganoma yisiphi isikhathi ukuthi kusetshenziselwe ukubhaliswa kwamasheya enkampani entsha, okuzodingeka kwenziwe esikhathini esiyiminyaka eyi-4 kusuka usuku lokuvulwa kwe-akhawunti, nombhalo obhaliswe ebhukwini le-mercantile elifanayo. Ngaphandle kwalokho, ngenhloso yokuhlinzekwa nangesikhathi esiphezulu, wonke amakhredithi entela azolahleka.