Kutheni Ibhanki Ikhompyutha?
Ukukhangela kwamahhala
Ibhanki ye-intanethi ibhetele yakho yokujonga ukukhululeka. Ukukhangela kwamahhala kusetyenziswa ukunikezelwa phantse nasiphi na ibhanki, kodwa kunzima ukufumana.
Kwiimeko ezininzi, kufuneka ufumane ukukhangela ihhala kwiziko lezitena kunye nemali ngokufumana imali yokuhlawula ngokuzenzekelayo okanye ngokugcina ibhalansi enkulu kwi-akhawunti yakho.
Akunjalo kumabhanki amaninzi kwi-intanethi-banikela ngokukhawuleza ukujonga iakhawunti kuye nabani na ubuncinane idola elilodwa ukuba lifake. Okongeza, unako ukufumana inzala kwimali kwi- akhawunti yakho yokukhangela xa usebenzisa ibhanki ye-intanethi. Umyinge wenzalo ngokuqhelekileyo awukwizinga eliphezulu njengemali yenzalo yokugcina imali , kodwa kuninzi kunokuba ufumana kwiibhanki zendabuko.
Ezinye iibhanki zezitena kunye namatyala kunye neenkontileti zemali zinikezela ngokukhangela , kwaye unokuhlawula umdla kunye nomvuzo wokujonga i-akhawunti . Ngokuqhelekileyo kufuneka ufumane amaziko amancinci ukuba ujonge ezi ntlawulo. Ukuba ungazive uthanda ukukhangela, iibhanki ezinkulu ze-intanethi zinokunyamekela.
Iimali zenzalo eziphezulu
Iibhanki ze-Intanethi ziyaziwa ngokuhlawula amaxabiso amaninzi aphezulu (okanye i- APY ) kwii-akhawunti zokulondoloza kunye nezatifikethi zokupaka (iiCD).
Iingcamango kukuba akudingeki ukuba zihlawule iindleko eziphezulu ezihambelana nokwakha nokugcina isebe, ngoko banokuhlawula okunye. Kwiintsuku zokuqala zebhanki ye-intanethi, amazinga aphakamileyo awakhangayo - kwaye usenokuba nokufumana amazinga angcono kwi-intanethi - nangona kufuneka ulinde kwi-imeyile ukuze ufumane iitsheki.
Ukuba ukhangele i-interest rate ephezulu, i-bhanki ye-intanethi mhlawumbi uya kuyifumana. Musa nje ukudana xa ufumanisa ukuba enye ibhanki ibetha isantya sakho kwixa elizayo. Abanye abantu bagcina ii-akhawunti zivuliwe kwiibhanki ze-intanethi kwaye zihanjiswa imali phakathi kwee-akhawunti njengoko iinguqu zitshintsha. Esi sicwangciso sinokuhlawula, kodwa qiniseka ukuba ubeke ingqalelo kuyo nayiphina "ukudlulisa" iintsuku apho imali yakho ingekho kuyo nayiphi na i-akhawunti efumana inzala .
Te knoloji
Iibhanki ze-intanethi zikhokelela ngokubanzi xa kuziwa kwezobuchwepheshe bebhanki. Asoloko eqala kuqala, kodwa bathambekele ekunikezeni iimpawu ezintsha ngaphambi kokuba iibhanki zetena nezitya zenziwe. Ngokomzekelo, idizithi yesheke yefowuni yindlela enhle yokuxhasa i- akhawunti yebhanki ye-intanethi ngaphandle kokuthumela i-imeyile kwiifomethi (oko kuthetha ukuba ungaqala ukufumana loo ntlawulo ephezulu ngokukhawuleza). Ezinye iibhanki ezincinci kunye neemanyano zemboleko zinikezela le nkonzo phambi kwaneebhanki ezinkulu kwi-intanethi. Ngoko awukwazi ukufumana iteknoloji entsha entsha kuqala, kodwa uya kufumana ngokukhawuleza.
Ibhanki ye-intanethi ikuvumela ukuba ufumane iimpawu onokuthi ungenako ukufikelela kuyo. Ukuba ibhanki yakho ingasinikeli inkokhelo yebhilikhi ye-intanethi ye-intanethi okanye iintlawulo zomntu ngamnye, kukho ithuba elihle lokuba unokufumana ibhanki eline-intanethi enika le nkqubo.
Unokuphinda ujabulele inethiwekhi enkulu ye-ATM , kuxhomekeke apho uhlala khona, okwenza kube lula ukwenza izihoxiso kwihhala.
Ukusuka kwiSebe
Ekugqibeleni, i-akhawunti yebhanki ye-intanethi malunga nokunyamekela izinto ngokwakho, ngaphandle kokufuna ukutyelela isebe. Ukuba udinga uncedo, amaninzi amabhanki anikezela ngeenkonzo zabathengi nge-intanethi (nge-chat okanye i-imeyile) kunye nemigca yefowuni engenakho. Njengoko ukhuphiswano lwandisiwe, ngokunjalo umgangatho weenkonzo zabathengi.
Unokwenene uvuyo ukuphepha amagatsha asebhanki. Xa usebenzisa i-bhanki ye-intanethi, akudingeki uhlupheke ngeendawo zokuthengisa eziqhele ukufumana kumasebe asebhanki; unokugqiba ukugqiba yakho intengiso kwaye uqhubeke nomhla wakho. Ukongeza, abantu abasemaphandleni amancinci banokuxabisa ukungabonakali kwabo abanokuyonwabela ngebhanki ye-intanethi: akukho mntu edolophu kufuneka azi malunga nokuthengiswa kwemali.
Ngaba iibhanki ze-intanethi ziphelele
Ibhanki ye-intanethi yongezwa kakhulu kwihlabathi lebhanki , kodwa aphelelanga. Ukuba ukhetha ukusebenzisana nabantu ebomini, unokufuna ukunamathela kwiziko lezitena kunye nempahla. Kwakhona kufuneka ukhululeke usebenzisa iikhomputha, kwaye ufuna ukuqonda okuyisiseko kwokhuseleko lwe-intanethi (ukugcina iinkqubo zakho ngokusesikweni, ukuphepha ukukhwabanisa , kunye nokunye). Ngexesha elihle, unako ukufumana i-glitches yobuchwephesha, kodwa ezinye iinjongo ziza kuthemba ngaphezu kwanoma yikuphi ukuphazamiseka.