Okuqukethwe[Fihla][Bonisa]
Ukubhanga ku-inthanethi kuvumela abasebenzisi ukuthi benze imisebenzi yezezimali nge-inthanethi. Ukubhanga nge-inthanethi, okuvame ukwaziwa ngokuthi ukubhanga nge-inthanethi noma ukubhanga ku-inthanethi, kuwuhlobo lokubhanga olwenzeka nge-inthanethi.
Iningi lemisebenzi yasebhange eyisisekelo manje selingenziwa ku-inthanethi, okususe isidingo sokuthi amakhasimende avakashele ibhange. Konke lokhu bangakwenza ekhaya, emsebenzini, noma endleleni.
Ukubhanga nge-inthanethi kwenza kudingeke ukuba kusetshenziswe ikhompuyutha noma enye idivaysi, uxhumano lwe-inthanethi, nekhadi lasebhange noma lasebhange. Ukuze usebenzise isevisi, amaklayenti kufanele aqale ajoyine isevisi yasebhange ye-inthanethi yebhange lawo.
Ukuze babhalise, kufanele benze iphasiwedi. Amakhasimende angakwazi ukusebenzisa isevisi kuzo zonke izidingo zawo zebhange.
Kulokhu okuthunyelwe, sizobheka uhlolojikelele lokuklanywa kwesistimu yohlelo lwamabhange ku-inthanethi. Ake siqale.
Izingxenye Zokubhanga Ku-inthanethi
Kuvulwa i-akhawunti yasebhange
Ngaphandle kokuthi uphrinte noma usayine noma yini, ungavula ukuhlola, ukonga, nezinye izinhlobo zama-akhawunti ku-inthanethi.
Yonke inqubo ingaqedwa ngaphansi kwemizuzu eyi-10 ngenxa yokusayina kwe-elekthronikhi.
Ukuze uqalise ku-inthanethi, ngokuvamile udinga:
- Isixhumanisi se-inthanethi
- Idivayisi engaphequlula i-inthanethi, njengekhompyutha, ithebhulethi, noma i-smartphone
- Inombolo ye-akhawunti yakho yokuhlola
- Ukuze uqinisekise ubunikazi bakho, kufanele unikeze ulwazi lomuntu siqu njengosuku lwakho lokuzalwa kanye nenombolo Yokuphepha Komphakathi.
Ukudluliswa Kwezimali
Ungakwazi ukudlulisa imali nge-intrabank usuka ku-akhawunti yakho yokuhlola uye ku-akhawunti yakho yokonga noma uye kusitifiketi sediphozi usebenzisa ikhompuyutha yakho. Ngezinsiza zebhange lakho zomuntu nomuntu, ungaxhuma ama-akhawunti akho emabhange ahlukahlukene futhi uthumele imali kubangani nezihlobo ngokushesha okukhulu.
Ukwenza Isicelo Semalimboleko
Ukuthola imali mboleko kunedumela lokuba inqubo edla isikhathi, kodwa akudingekile. Ukugcwalisa isicelo sakho ku-inthanethi kusheshisa isheke lesikweletu, okuvumela ibhange lakho noma inyunyana yezikweletu ukuthi sisabele ngokushesha.
Ngena ngemvume
Ukuze Ungene ngemvume ngokuphephile, umsebenzisi kufanele anikeze ulwazi oludingekayo. Kuyo yonke imizamo yokungena ngemvume, isofthiwe kufanele ihlole futhi iqinisekise imininingwane. I-Base Use Case ingenile ngemvume, kanti Ikesi Lokusebenzisa Elifakiwe lithi AUTHENTICATE.
Umsebenzisi angangena uma egcwalisa lonke ulwazi oludingekayo. Uma imininingwane yomsebenzisi ingalungile, nokho, uhlelo kufanele lukwazi ukuthola futhi lubike iphutha kumsebenzisi, luvumele umsebenzisi ukuthi aphinde afake ulwazi.
Ngenxa yalokho, ukungena ngemvume kuwumsebenzi ogcwele. Kodwa-ke, lokhu kungase kusebenzise isenzo IPHASWEDI ENGAVALIWE kwezinye izimo.
Idizayini yezinga eliphezulu
Ukugeleza kwe-Online Banking System
Ukuze usebenzise izinsiza zeBhange, ikhasimende kufanele liqale livule i-akhawunti. Ekhasimendeni ngalinye elisha, ibhange lihlola ulwazi bese lisungula i-akhawunti entsha.
Ngomdwebo we-Use-Case Diagram, iklayenti ngalinye lingumdlali, futhi amandla anikezwe Uhlelo Lokubhanga Ku-inthanethi Lokwengeza I-akhawunti Ukusebenziseka kalula. Iklayenti ngalinye lingabheka inani le-akhawunti yalo yasebhange futhi licele ukudluliswa kwe-akhawunti yalo kuzo zonke izindawo zaseBhange. Umuntu othatha imali uyisisebenzi sasebhange esiza ngesevisi yamakhasimende.
Umthengi angakwazi ukwenza imisebenzi yemali, lapho kufanele afake noma akhiphe ukheshi ku-akhawunti yasebhange. Ukuze wenze kahle ukuthenga okukodwa noma ngaphezulu, enye yezinketho ezimbili, imali yekhredithi noma yasebhange, ingasetshenziswa.
Ngokulandela umsebenzi ngamunye oyimpumelelo, umthengi angase akhethe noma angakhethi ukuthola imininingwane ukuze enze okwengeziwe.
Izici Ezibalulekile
Ukubhaliswa kwe-KYC
Ukubhaliswa komsebenzisi kuyisinyathelo sokuqala ezinhlelweni zokusebenza eziningi. Futhi manje sibhekene nezici ezihlukile ze-fintech. Ngenxa yokuthi abathengi baphathisa ama-akhawunti abo asebhange kuhlelo lwakho lokusebenza, imithetho yezokuphepha ye-akhawunti emkhakheni wamabhange iqinile.
Ngenxa yalokho, ukugwema noma yiliphi ithuba lokugebenga kubalulekile. Kuhle ukuhlanganisa ukuqinisekiswa kwezinto ezimbili nenqubo ye-KYC egunyaziwe yemikhiqizo yezezimali ngale njongo (yazi ikhasimende lakho).
Kusistimu, dala umsebenzisi. Kufanele uqinisekise ubunikazi bomsebenzisi futhi uxhume inombolo yocingo ku-akhawunti entsha lapho usebenzisa inombolo yocingo. Akumele kube khona kuphela inombolo yocingo, kodwa futhi kufanele ifane nesizwe isicelo esihloselwe sona.
Ukwandisa ukuphepha. Ungakwenza lokhu ngokwakha iphasiwedi noma iphinikhodi, futhi ungasebenzisa nemibuzo ukuze uqinisekise ubuwena.
Qinisekisa ubunikazi bomsebenzisi. Inqubo ye-KYC kufanele igcwaliswe ngokuhambisana nokubhaliswa kohlelo lokusebenza lwasebhange. Isevisi ye-KYC okhetha ukuyihlanganisa nomkhiqizo inqunywa imithetho yezwe lapho izosetshenziswa khona.
I-KYC ikuvumela ukuthi uqinisekise ubuwena ngokugcwalisa izinqubo ezingezansi:
- Ulwazi lomuntu siqu lufakiwe (igama, isibongo, usuku lokuzalwa, nekheli)
- Amadokhumenti athwetshuliwe (i-ID, ipasipoti, ilayisense yokushayela)
- Isingeniso sevidiyo (umsebenzisi angase acelwe ukuthi asho umushwana othile kuvidiyo)
- Ukudala umbuzo wokuphepha wephasiwedi
- Inqubo yokuqinisekisa (kungathatha imizuzu embalwa ukuya ezinsukwini ezimbalwa)
Ukwenza kusebenze ikhadi
Amabhange ngokuvamile athumelela ikhasimende ikhadi lasebhange langempela endaweni eshiwo lapho i-akhawunti ivuliwe futhi umsebenzisi eqinisekisiwe. Lesi isinyathelo esibalulekile enqubweni yesipiliyoni somsebenzisi.
Ukusebenza usebenzisa amakhadi esikweletu
Umsebenzisi kufanele akwazi ukulungisa izilungiselelo zekhadi ezilandelayo:
- Shintsha iphinikhodi
- Ikhadi lizovinjwa.
- Uma kudingeka, yibeke efrijini.
- Lungisa izilungiselelo zakho zobumfihlo
Izinkokhelo nokuthengiselana
Izigaba zokwenziwe ezihlukene zizofaneleka, okuvumela umsebenzisi ukuthi aqonde kangcono ukusebenzisa kwakhe imali kuyilapho enza nokugeleza kwakhe kube lula. Kubalulekile ukukhombisa ibhalansi namanani okwenziwa kwesikhathi esithile. Inketho enhle kakhulu kungaba ukuhlukanisa izindleko ngezindawo.
Lokhu kuzosiza ekulawuleni ibhalansi okunempumelelo kakhudlwana futhi kwazise umsebenzisi ngokuhlaziywa kwezindleko, ngenxa yalokho, ulwazi lwezezimali.
Yiziphi izinhlobo zokukhokha ezingangezwa:
- Ukudluliswa kwezimali ngebhange
- Izinkokhelo ezenziwe ngamazwe ngamazwe
- Izinkokhelo njalo
- Ungakwazi ukukhokhela omunye umuntu.
- Faka isicelo sokukhokha
Ukugcina isabelomali
Kufanele unikeze ukugadwa kwedatha ngokuvumelana nalezi zidingo ezilandelayo ukuze udale kahle uhlelo lokuhlelwa kwesabelomali kanye nohlelo lokuphatha :
- Iholo lanyanga zonke (noma esinye isikhathi)
- ukusebenzisa imali njalo (okuphindaphindiwe)
- Isikhathi esilinganiselwe, imali encane
Isiphetho
Ungaphatha i-akhawunti yakho yasebhange ku-inthanethi usebenzisa ikhompuyutha, ithebhulethi, noma idivayisi yeselula. Isusa isidingo sokuvakashela ihhovisi lasebhange futhi ikuvumela ukuthi wenze imisebenzi noma nini lapho kukulungele.
Unenketho yokubhanga ku-inthanethi nebhange elivamile noma inyunyana yezikweletu osuvele unobudlelwano nayo, noma ukuvula i-akhawunti nenhlangano eku-inthanethi kuphela.
Ngenze konke okusemandleni ami ukukunikeza isifinyezo sesistimu yebhange ye-inthanethi, kodwa kuningi okuqhubekayo ngaphansi kwe-hood. Ngethemba ukuthi uzothola lokhu kwaziswa kuwusizo futhi uzokusebenzisa kahle.
shiya impendulo