Isiqulatho[Fihla][Bonisa]
Ukubhankisha kwi-Intanethi kuvumela abasebenzisi ukuba benze iintengiselwano zemali nge-Intanethi. Ibhanki ye-Intanethi, edla ngokubizwa ngokuba yibhanki ye-Intanethi okanye ibhanki ye-Intanethi, luhlobo lwebhanki olwenzeka kwi-intanethi.
Uninzi lwentengiselwano esisiseko yebhanki ngoku inokuqhutywa kwi-Intanethi, isusa imfuno yokuba abathengi bandwendwele ibhanki. Konke oku banokukwenza ekhaya, emsebenzini, okanye endleleni.
Ukubhankisha nge-Intanethi kufuna ukuba kusetyenziswe ikhompyutha okanye esinye isixhobo, uqhagamshelo lwe-Intanethi, kunye nekhadi lebhanki okanye lebhanki. Ukusebenzisa le nkonzo, abathengi kufuneka baqale bazibandakanye kwinkonzo yebhanki ye-intanethi yebhanki yabo.
Ukubhalisa, kufuneka benze igama eliyimfihlo. Abathengi banokusebenzisa inkonzo kuzo zonke iimfuno zabo zebhanki.
Kule post, siza kujonga isishwankathelo soyilo lwenkqubo yebhanki ye-intanethi. Masiqale.
Amacandelo eBhanki ye-Intanethi
Ukuvula iakhawunti yebhanki
Ngaphandle kokuba uprinte okanye usayine nantoni na, unokuvula ukujonga, ukonga, kunye nezinye iintlobo zeeakhawunti kwi-intanethi.
Yonke inkqubo inokugqitywa ngaphantsi kwemizuzu eyi-10 ngenxa yosayino lwe-elektroniki.
Ukuqalisa kwi-intanethi, uhlala ufuna:
- Ikhonkco kwi-intanethi
- Isixhobo esinokukhangela i-intanethi, njengekhompyutha, ithebhulethi, okanye i-smartphone
- Inani le-akhawunti yakho yokujonga
- Ukuqinisekisa isazisi sakho, kufuneka unikezele ngeenkcukacha zakho ezifana nosuku lwakho lokuzalwa kunye nenombolo yoKhuseleko lweNtlalo.
Ugqithiselo lwenkxaso-mali
Unokwenza utshintshelo lwe-intrabank ukusuka kwiakhawunti yakho yokutshekisha ukuya kwiakhawunti yakho yokonga okanye kwisiqinisekiso sedipozithi usebenzisa ikhompyuter yakho. Ngeenkonzo zebhanki yakho zomntu nomntu, unokunxibelelanisa iiakhawunti zakho kwiibhanki ezahlukeneyo kwaye uthumele imali kubahlobo nakwizalamane ngokukhawuleza okukhulu.
Ukwenza isicelo seMali-mboleko
Ukufumana imali-mboleko kudume ngokuba yinkqubo edla ixesha, kodwa akuyomfuneko ukuba kube njalo. Ukuzalisa isicelo sakho kwi-intanethi kukhawulezisa ukutshekishwa kwetyala, oko kuvumela ibhanki yakho okanye imanyano yamatyala ukuba isabele ngokukhawuleza.
Ngena uQinisekiso
UkuNgena ngokukhuselekileyo, umsebenzisi kufuneka anike ulwazi oluyimfuneko. Kuzo zonke iinzame zokungena, isoftware kufuneka iphonononge kwaye iqinisekise iinkcukacha. I-Base Use Case i-log in, ngexa i-Backled Use Case yi-AUTHENTICATE.
Umsebenzisi unokungena xa egcwalisa lonke ulwazi olufunekayo. Ukuba iinkcukacha zomsebenzisi azichanekanga, nangona kunjalo, inkqubo kufuneka ikwazi ukubona kwaye ichaze impazamo kumsebenzisi, ivumela umsebenzisi ukuba aphinde afake ulwazi.
Ngenxa yoko, ukungena ngemvume kukusetyenziswa ngokupheleleyo. Nangona kunjalo, oku kunokusebenzisa isenzo ENGAPHAMBILI IPASWEDI kwezinye iimeko.
Uyilo olukwinqanaba eliphezulu
Ukuhamba kweNkqubo yeBhanki ye-Intanethi
Ukusebenzisa iinkonzo zeBhanki, umthengi kufuneka aqale avule iakhawunti. Kumthengi ngamnye omtsha, ibhanki ijonga ulwazi kwaye iseke iakhawunti entsha.
KuMzobo wokuSebenzisa-Imeko, umxhasi ngamnye ngumdlali, kunye nekhono elinikezwe yiNkqubo yeBhanki ye-Intanethi yokuFaka i-Akhawunti kukuSebenzisa-Imeko. Umxhasi ngamnye unokujonga isixa seakhawunti yakhe yebhanki kwaye acele ukudluliselwa kweakhawunti yakhe kwiindawo zonke zeBhanki. I-cashier ngumsebenzi webhanki oncedisa ngenkonzo yabathengi.
Umboleki unokuqhuba utshintshiselwano ngemali, apho kufuneka afake okanye akhuphe imali kwi-akhawunti yebhanki. Ukwenza ngokufanelekileyo intengiselwano enye okanye ngaphezulu, enye yeendlela ezimbini, ikhredithi okanye i-debit cash, inokusetyenziswa.
Ukulandela intengiselwano nganye eyimpumelelo, umthengi unokukhetha okanye angakhethi ukufumana iinkcukacha ngenyathelo elingaphezulu.
Iimpawu ezibalulekileyo
Ubhaliso lwe-KYC
Ukubhaliswa komsebenzisi linyathelo lokuqala kwii-apps ezininzi. Kwaye ngoku sijongana neempawu ezizodwa zefintech. Ngenxa yokuba abathengi bebeka ii-akhawunti zabo zebhanki kwisicelo sakho, imimiselo yokhuseleko lwe-akhawunti kwicandelo lebhanki ingqongqo ngokufanelekileyo.
Ngenxa yoko, ukuphepha naliphi na ithuba lokugqekeza kubalulekile. Kukulungele ukudibanisa ukuqinisekiswa kwezinto ezimbini kunye nenkqubo egunyazisiweyo ye-KYC yeemveliso zemali kule njongo (yazi umthengi wakho).
Kwinkqubo, yenza umsebenzisi. Kufuneka uqinisekise isazisi somsebenzisi kwaye udibanise inombolo yefowuni kwiakhawunti entsha xa usebenzisa inombolo yefowuni. Akufuneki kuphela ukuba kubekho inombolo yefowuni, kodwa kufuneka ihambelane nesizwe isicelo senzelwe sona.
Ukwandisa ukhuseleko. Ungakwenza oku ngokwenza igama lokugqitha okanye ikhowudi yephini, kwaye ungasebenzisa imibuzo ukuqinisekisa ubuwena.
Qinisekisa isazisi somsebenzisi. Inkqubo ye-KYC kufuneka igqitywe kunye nobhaliso lwe-app yebhanki. Inkonzo ye-KYC okhetha ukuyidibanisa nemveliso imiselwa yimimiselo yesizwe apho iya kusetyenziswa khona.
I-KYC ikuvumela ukuba uqinisekise ubuwena ngokugcwalisa ezi nkqubo zingezantsi:
- Ulwazi lomntu siqu lufakiwe (igama, ifani, umhla wokuzalwa, kunye nedilesi)
- Amaxwebhu afotiweyo (i-ID, ipasipoti, ilayisenisi yokuqhuba)
- Intshayelelo yevidiyo (umsebenzisi unokucelwa ukuba athethe ibinzana elithile kwividiyo)
- Ukwenza umbuzo wokhuseleko wephasiwedi
- Inkqubo yokuqinisekisa (ingathatha ukusuka kwimizuzu emininzi ukuya kwiintsuku ezininzi)
Ukuqaliswa kwekhadi
Iibhanki zidla ngokuthumela umthengi elona khadi lebhanki kwindawo echaziweyo xa i-akhawunti ivulwa kwaye umsebenzisi eqinisekisiwe. Eli linyathelo elibalulekileyo kwinkqubo yamava omsebenzisi.
Ukusebenza usebenzisa amakhadi okuthenga ngetyala
Umsebenzisi kufuneka akwazi ukunyenyisa ezi zicwangciso zekhadi zilandelayo:
- Guqula ikhowudi yephini
- Ikhadi liya kuvalwa.
- Ukuba kuyimfuneko, yibeke kwisikhenkcisi.
- Lungisa useto lwakho lwabucala
Iintlawulo kunye neentengiselwano
Iindidi ezahlukeneyo zentengiselwano ziya kuba zifanelekile, zivumela umsebenzisi ukuba ayiqonde ngcono inkcitho yakhe ngelixa esenza lula ukuhamba kwakhe. Kubalulekile ukubonisa ibhalansi kunye nezixa zentengiselwano zexesha elithile. Olona khetho lubalaseleyo luya kuba kukwahlula iindleko ngokweendawo.
Oku kuya kunceda ekulawuleni ulungelelwaniso olusebenzayo ngakumbi kwaye uqhelane nomsebenzisi ngohlalutyo lwenkcitho kwaye, ngenxa yoko, ulwazi lwezemali.
Zeziphi iindlela zokuhlawula ezingongezwa:
- Ukudluliselwa kwemali ngebhanki
- Iintlawulo ezenziwe kumazwe ngamazwe
- Iintlawulo rhoqo
- Unokwenza intlawulo yomnye umntu.
- Yenza isicelo sentlawulo
Ukugcina uqingqo-mali
Kufuneka ubonelele ngokujongwa kwedatha ngokwezi mfuno zilandelayo ukuze wenze ngokufanelekileyo ucwangciso lohlahlo lwabiwo-mali kunye nenkqubo yolawulo :
- Umvuzo wenyanga (okanye elinye ixesha)
- inkcitho rhoqo (iphindaphinda)
- Ngexesha elithile, imali encinci
isiphelo
Ungayilawula iakhawunti yakho yebhanki kwi-Intanethi usebenzisa ikhompyuter, ithebhulethi, okanye isixhobo esiphathwayo. Isusa imfuneko yokutyelela iofisi yebhanki kwaye ikuvumela ukuba wenze iintengiselwano nanini na xa kukulungele.
Unenketho yokubhankisha kwi-Intanethi ngebhanki yemveli okanye umanyano lwamatyala osele unobudlelwane naye, okanye ukuvula iakhawunti ngombutho we-intanethi kuphela.
Ndenze konke okusemandleni am ukukunika isishwankathelo senkqubo yebhanki ye-intanethi, kodwa kuninzi okuqhubekayo ngezantsi kwe-hood. Ndiyathemba ukuba uza kuyifumana le mathiriyeli iluncedo kwaye uyisebenzise kakuhle.
Shiya iMpendulo