Nantsi into oyilahlekileyo
Imali ikhula ngokugqithiseleyo. Abanye abantu basasebenzisa imali, kodwa ezinye iindlela zokuhlawula ziye zaziwa kakhulu. Ngoba? Zingaba lula ukuyisebenzisa, zikhululekile okanye zingabizi, kwaye zilungele ukulandelwa kwemali.
Amabhanki adlala indima ebalulekileyo kwinto yokuziphendukela kwemvelo.
Iibhanki ze-intanethi ezisetyenziselwa ukukhawulelwa kwiibhanki ezazisetyenziswa kuphela kwi-intanethi. Kodwa ngoku, kunye neebhanki ezinkulu kunye neebhanki kunye neemanyano zesikweletu zendawo zinikeza iinkonzo ze-intanethi. Oku kuthetha, unako ukusebenzisa i-bhanki kuphela-intanethi, kwaye siza kuxubusha ubuhle kunye neengxaki ezikhethiweyo ezingezantsi.
Iinkonzo zeBhanki kwi-Intanethi
Ukuqhubela uhambo ukuya kwisebe kuthetha ukuba ungaqhuba ishishini nanini na, ukusuka (phantse) naphi na. Kodwa yintoni onokuyifeza ngokwenene? Okuninzi.
Ukubhanka kwi-intanethi, kuya kufuneka usebenzise ikhomputha yakho okanye i-app kwidivayisi yakho yeselula. Ukuqalisa ingaba nzima xa ungeyonto ephathekayo kunye nekhnoloji, kodwa yonke into ilula xa usuqalile.
Vula iakhawunti: Unokuvula ukuhlola, ukugcina imali kunye nezinye i-akhawunti kwi-intanethi , ngaphandle kwemfuneko yokuprinta okanye ukusayina nayiphi na into. Kwixesha elidlulileyo, kwafuneka uhlale kunye nobhankini lomntu ngexesha leeyure zoshishino kwaye uphawule imimandla eninzi yokuthengisa.
Ngendlela yokutyikitya ngekhompyutha, yonke inkqubo ingathatha ngaphantsi kwemizuzu elishumi.
Ukuhlawula iindleko: Esikhundleni sokubhalela ukuhlola ukuhlawula iibhili, ibhanki yakho inokushicilela kwaye ithumele isheke kwinyanga-emva kwenyanga. Kwakhona kunokwenzeka ukuba uthumele imali kumvuzo wakho ngekhompyutha, nokuba ixabiso ofunekayo litshintshe nyanga zonke.
Ukufumana iinkcukacha ezipheleleyo, funda indlela yokusebenzisa umvuzo wokuhlawula i-intanethi .
Ukudlulisa imali: Kufuneka uhambise imali kwi-akhawunti yakho yokukhangela kwi-akhawunti yakho yokulondoloza? Kuthiwani ngokubeka imali engaphezulu kwesazisi (i-CD) okanye ukuvula i-CD entsha entsha? Awudingi ukutyelela isebe okanye ulinde ukubamba ukuba izinto zenziwe. Unokudibanisa ii-akhawunti zebhanki kwiibhanki ezahlukahlukeneyo kunye ne-zap imali emva nangaphambili.
Faka isicelo sokubolekwa kwemali-mboleko: Imali-mboleko yinkqubo enzulu "yemaphepha". Kodwa akudingeki ukuba. Thayipha ngolwazi lwakho, oluza kusheshisa inkqubo yokukhangela i-credit yakho, kwaye ibhanki yakho iya kubuyela kuwe impendulo. Abanye ababolekisi basebenza ngokupheleleyo kwi-intanethi , kwaye banokwenza izigqibo zokubolekisa ngokukhawuleza.
Fumana amaxabiso athile : Iibhanki ze-Intanethi ziyaziwa ngamaxabiso okukhuphisana. Kwimfundiso, ufanele ukwazi ukufumana ngaphezulu kwi- akhawunti yokulondoloza i- intanethi kwaye uhlawule ixabiso lentlawulo ephantsi kwimali-mboleko. Yisoloko ilungileyo ukuthenga ngeenxa zonke uze uqhathanise amaxabiso ebhanki kwi-intanethi kwiirhafu zemveli, kodwa uya kudla ukukwenza ngcono kwi-intanethi. Amanye amabhanki ezitena kunye namanqaku anikezela ukhetho lwe-intanethi kuphela. Ukusebenzisa ezo akhawunti, uya kufuneka ulahle ingxelo yakho yamaphepha (apho ungakhetha khona) kunye nekhono lokubhanka kunye nomtshi.
I-deposit checks: Xa umntu ehlawula ngetshekhi, kukho iindlela ezininzi zokuyibeka .
Ikhetho elikhawulezayo nelona lilula kukuba usebenzise idizithi yokutshintshela kude: Snap umfanekiso wesheke kwaye uyithumele kwibhanki yakho ukuze uyihlawule. Akukho mfuneko yokutyelela isebe okanye ukuthumela i-check in. Ukuze uthole iinkcukacha ezingakumbi, funda indlela yokufaka iifowuni kunye nesixhobo sakho esiselula .
Hlala unolwazi: Ukongezelela ekuhloleni ngesandla i-akhawunti yakho kwi-intanethi, ungasebenzisa imilayezo yombhalo "endala" ukulawula i-akhawunti yakho, ukujonga ubungakanani, kunye nokunye. Ngamanye amaxesha uvakalelwa njengomsebenzi omningi ukuvula i-app kwaye ungene ngemvume ukuze ufumane ukuba uninzi kangakanani . Fumana ngokuchanekileyo ukuba zeziphi iintlobo zeenkonzo ezikhoyo kunye nendlela ozuza ngayo ngokuthumela ngeposi ngebhanki yakho .
Jonga imbali: Kufuneka ukhangele ukuba loo tshekhi isusiwe, okanye ingaba umqeshi wakho uhlawule kangakanani? Kulula ukujonga ukuthengiswa kwe-intanethi, ukukhuphela iingxelo zembali, kwaye uphando imicimbi ethile.
Imirhumo ye-Dodge: Iinkonzo zebhanki ze-Intanethi zibiza ixabiso elingaphantsi kwee-akhawunti zezitena kunye ne-mortar-ngelixa ziqhuba amaxabiso okukhuphisana. Unethuba elihle lokuhlawula i-akhawunti yehhala kunye nokuphepha iimali zenyanga zokugcina kunye nebhanki kwi-intanethi.
I-Pros ne-Cons ye-Banking Online
Kukho iinzuzo ezininzi kwiibhanki ze-intanethi, kwaye kufuneka ukuba ubuncinane ukhethe ukhetho lwebhanki kwi-intanethi. Kodwa iibhanki zendabuko kunye neemanyano zematyala nazo zinendawo yazo.
Iinkonzo zomntu ngaphakathi: Amabhanki enza okungaphezulu nje kokubamba imali kwaye ayiguqule. Baya kunika iinkonzo zenkcazo, iibhokisi zepositi zokukhusela, kunye nohlolo olusemthethweni kwangoko. Akunakudingi ezo nkonzo rhoqo, kodwa xa wenza, ngokuqhelekileyo ngexesha lomcimbi obalulekileyo. Hlola ukuba ingaba kunengqiqo ukugcina i-akhawunti yendawo ivulekile .
Imiba yezobuchwepheshe: Ukuba awukhululekile ngeteknoloji, ibhanki ye-intanethi ingaba yinkxalabo ngakumbi kunokuba ibalulekile. Ngaphezulu, i-glitches iyenzeka, kwaye ukuba ikhomputer yakho (okanye ikhomputer yebhanki) ayisebenzi, ngoko akukho nto ongayenza. Kwiimeko ezinzima ezifana nemiba enkonzweni yamatyala okanye iingxoxo malunga neentlobo ezahlukeneyo zemali-mboleko, kunokuba kulungele ukuba nencoko ebusweni.
Akukho mali? Kukho umba wokufumana imali. Iibhanki ze-Intanethi kuphela zibonelela ngekhadi lokubambisa onokulusebenzisa ukurhoxisa imali, kwaye banokuthi bangabanamanethiwekhi kunye nokufikelela kwe-ATM yamahhala . Kodwa iifowuni ezinkulu okanye ukurhoxa, isebe lihlala lihle kakhulu.
Khu seleko
Konke okunokuzwakala kukuhle, kodwa imali yakho ikhuselekile?
Ibhanki ye-intanethi ngokuqhelekileyo ibonwa njengekhuselekileyo kunebhanki yendabuko. Ukuba uhlawule ngokukhawuleza kwi-akhawunti yakho yebhanki kukuphelisa umngcipheko wokuba umntu uthathe isheke lakho kwi-imeyile. Ngaphezu koko, akukho mntu unokukopa ulwazi lweakhawunti yakho kwiihlokiti ozozithumela kuma-billers xa iikhomputha zebhanki zithumela loo nkcukacha ngokukhuselekileyo. Ukuba ubuqhetseba okanye iimpazamo zenzeka, umthetho wesigqeba uhlala ukhusela wena , nje ngokuba usebenza ngokukhawuleza.
Ukuhlala ukhuselekile kulula. Gcina ikhomputha yakho kunye nezixhobo zifikelele kwixesha. Ingakumbi, qinisekisa ukuba inkqubo yokusebenza, isofthiwe ye-antivirus kunye ne-firewall zigcinwa ngoku. Sebenzisa ubunzima-ukuqagela amaphasiwedi, uze ungabhale phantsi. Okokugqibela, ungaze uphendule nge-imeyile, umnxeba, okanye imiyalezo ebhaliweyo ekucela ukuba unikezele i-akhawunti engacacanga (okanye eyakho) .
Ukuze uqiniseke, izikhwama zivela kwi-intanethi. Ngethuba nje kuphela ukuba uthumele imali kumntu ukuba unama-100 epesenti owaziyo, kufuneka ube nako ukukhusela amaninzi kubo . Khawukhumbule nje ukuba izenzo ezinzima kakhulu zinika imali okanye ulwazi ngolunye umntu.