Indlela Yokujonga Iimali Ezintsha Zemali

Iimali ezintsha zethenda ezisemthethweni ezikhutshwa yibhanki enguvimba welizwe ngalinye zisebenza njengesixhobo esibalulekileyo kuqoqosho lwangoku. Ezi phepha zemali, ziyilwe ngobona bugcisa buphezulu bokhuseleko, ziyilelwe ukuqinisekisa ubunyani bazo kwaye zenza naliphi na ilinge lokukhohlisa libe nzima. Nangona kunjalo, yabasebenzisi okuqhelekileyo, ukuchonga iimpawu zokhuseleko kwiimali ezitsha zebhanki kunokuba ngumngeni. Kweli nqaku, siza kuphonononga ngokweenkcukacha indlela yokujonga ii-banknotes ezintsha kwaye siqaphele izinto eziphambili ezizahlula njengenene. Ngolu lwazi, unokufumana ukuzithemba ekuphatheni nasekuvunyweni kwezi ntlawulo kwiintengiselwano zakho zemihla ngemihla.

1. Intshayelelo yamanqaku amatsha: Iimpawu kunye nohlaziyo

2. Loluphi utshintsho olukhoyo kwiinoti ezintsha nendlela yokuchongwa?

Iimali zebhanki ezitsha zibonisa utshintsho olubalulekileyo xa kuthelekiswa nangaphambili. Olunye lolona tshintsho luphawulekayo kukubandakanywa kwamanyathelo okhuseleko amatsha okuthintela ukwenziwa komgunyathi. Ezona mpawu ziphambili zamaphepha amatsha zibandakanya a uphawu lwe-watermark ebonakalayo ngokuchasene nokukhanya, i-holographic band ene-optical effect, i-relief print kunye ne-inki etshintsha umbala xa i-banknote ijikeleziswa.

Ukuchonga ama-banknotes amatsha, kubalulekile ukunikela ingqalelo kwezi zinto zilandelayo. Okokuqala, unokubona i-watermark enomzobo womfanekiso ongaphambili webhili. Xa ibanjwa ngokuchasene nokukhanya, le watermark iyabonakala. Ukongeza, kukho ibhendi yeholographic ebonisa iziphumo ze-optical xa i-bill ithotywa.

Olunye uphawu olwahlukileyo kubukho boshicilelo loncedo kwezinye izinto zoyilo lwemali yebhanki. Xa uchukumisa ibhilikhi, unokuziva uthungelwano olukhethekileyo kule mimandla. Ukongeza, amatyala amatsha ane-inki etshintsha umbala xa ityala lijikeleziswa. Olu phawu luluncedo kakhulu ekubhaqeni izinto zomgunyathi, kuba i-inki ekwityala lokwenyani itshintsha umbala kuluhlu oluthile.

3. Izinto zokhuseleko kwiimali eziziibhanki ezintsha nokubaluleka kwazo

Amabhanki amatsha anoluhlu lweempawu zokhuseleko ezenza kube nzima ukwenza umgunyathi kwaye kulula ukuzibona. Ezi zinto ziquka iimpawu ezibonakalayo nezichukumisayo ezivumela abasebenzisi kunye nababoneleli ngenkonzo yemali ukuba baqinisekise ubunyani babo. Ukuphunyezwa kwezi zinto zokhuseleko kubaluleke kakhulu ukukhusela isidima senkqubo yezemali kunye nokuthintela ubuqhetseba.

Enye yezona zinto zibalulekileyo zokhuseleko kwiibhanki ezintsha yi-watermark. Olu phawu ngumfanekiso ofakwe kwiphepha kwaye ubonakala kuphela xa i-bill ibanjwe ekukhanyeni. Ukongeza, ii-banknotes ezintsha nazo zinemicu yokhuseleko ebonakalayo kwiliso lenyama kwaye inee-microtexts ezinokufundwa kuphela ngeglasi yokukhulisa. Le misonto ifakwe kwiphepha le-banknote kwaye inika umaleko owongezelelweyo wokukhusela ngokuchasene nenkohliso.

Enye into ebalulekileyo yokhuseleko kwiimali ezintsha zebhanki yi-inki etshintsha umbala. Ngokubandakanya ii-inki ezikhethekileyo kwiindawo ezithile zebhili, zitshintsha umbala ngokuxhomekeke kwi-angle yokujonga. Oku kwenza kube nzima kakhulu ukuvelisa kwakhona kwaye kunceda ekubhaqeni amatyala omgunyathi. Ukongeza, ii-banknotes ezintsha zikwabonisa i-tactile embossing, ebonelela ngolunye uhlobo lokuqinisekisa kwabo bangaboni kakuhle. Ezi zinto zokhuseleko kwiibhanki ezintsha zibalulekile ukukhusela uqoqosho kunye nokunika abasebenzisi ukuzithemba ekusebenziseni imali.

4. Iindlela zokuqinisekisa ubunyani bamanqaku amatsha

Kukho iindlela ezahlukeneyo esinokuzisebenzisa ukuze siqinisekise ubunyani bamanqaku amatsha. Ngezantsi, siza kukhankanya ezinye zazo:

1. Ukuqwalaselwa okubonakalayo: Into yokuqala ekufuneka siyenzile kukuphonononga ngononophelo ibhili yeempawu zokhuseleko. Oku kunokubandakanya ii-watermark, i-embossing, i-inki ezikhethekileyo, iiholograms kunye ne-microtexts. Kubalulekile ukuzazi ezi zinto ukuze uchonge naziphi na izitenxo.

2. Sebenzisa isibane se-ultraviolet: Enye indlela yokuqinisekisa ubunyani bamaphepha ebhanki kukusebenzisa isibane se-ultraviolet. Ngokukhanyisa i-bill ngolu khanyiso, siya kukwazi ukuchonga iimpawu ezithile ze-fluorescent ezibonisa ukuba yi-bill yangempela. Ngokomzekelo, kwezinye ii-banknotes unokubona iifiber ze-fluorescent okanye ii-watermark ezibonakala kuphela phantsi kwe-ultraviolet.

3. Comparación con un billete auténtico: Ukuba sinokufikelela kwimali eyimali eyiyo yehlelo elifanayo, sinokuyisebenzisa njengesalathiso sokuthelekisa nemali yebhanki esifuna ukuyiqinisekisa. Waphonononge ngononophelo omabini amatyala kwaye ujonge ukufana kunye nomahluko kwiifitsha zokhuseleko. Khumbula ukuba abenzi bomgunyathi bahlala bexelisa ezi mpawu, kodwa kunqabile ukuba bafumane ikopi egqibeleleyo.

5. Ukusetyenziswa kwezixhobo zobuchwepheshe ukujonga iimali ezibhanga ezitsha

Ukusetyenziswa kwezixhobo zobuchwepheshe kuye kwaba yimfuneko yokuqinisekisa ubunyani bemali ebhankini amatsha. Ngezantsi kukho izixhobo kunye neendlela ezinokuthi zisetyenziswe ukwenza olu vavanyo. ngokufanelekileyo.

1. Usetyenziso lweselula: Kukho izicelo ezahlukeneyo ezikhoyo kwimarike Basebenzisa ikhamera yefowuni ukuskena kwaye baqinisekise imali engamaphepha. Ezi zicelo zichonga iimpawu zokhuseleko kwaye zithelekise imifanekiso eskeniweyo ne isiseko sedatha yamatyala asemthethweni. Kubalulekile ukujonga isidima kunye nohlaziyo rhoqo kwezi zicelo ukuqinisekisa ukusebenza kwazo.

2. Izibane ze-Ultraviolet: Esinye isixhobo esiluncedo xa ujonga iimali zebhanki ezintsha sisibane seultraviolet. Ngokukhanyisa i-banknote ngolu khanyiso lukhethekileyo, izinto zokhuseleko ezingabonakaliyo ngeso lenyama zingabonwa, njengee-watermark kunye ne-fluorescent fibers. Kucetyiswa ukuba ufunde imiyalelo yokusetyenziswa kwesibane kwaye uqhelane neempawu zebhanki ukuze utolike ngokuchanekileyo iziphumo.

6. Imali yamaphepha kwixesha ledijithali: amanyathelo okhuseleko olutsha

Utshintsho lwe ixesha ledijithali yenze imingeni emitsha malunga nokhuseleko lwemali yephepha. Ngokuhambela phambili kwethekhinoloji, iindlela zomgunyathi zemveli ziye zaphelelwa lixesha kwaye kufuneka amanyathelo antsonkothileyo ukuqinisekisa ukuthembeka kweemali ezibonakalayo.

Ukuphendula kule mfuno, iindlela ezintsha zokhuseleko kunye neempawu ziye zaphuhliswa kwimali yephepha. Enye yale milinganiselo kukudityaniswa kweeholograms kunye nee-watermark kwii-banknotes, eziphantse zingenzeki ukuba abazenzisi baphinde baphindaphinde ngokuchanekileyo.

Omnye umlinganiselo obalulekileyo kukusetyenziswa kweenki ezikhethekileyo kunye nezinto ze-fluorescent ekushicileleni imali yephepha. Ezi inki zisabela ngendlela eyodwa ekukhanyeni i-ultraviolet, evumela iingcali ukuba ziqinisekise ubunyani bamanqaku ebhanki ngokukhawuleza kwaye kulula. Ukongezelela, ubuchule be-microprinting buphunyeziwe, obubandakanya ukubandakanywa kweetekisi ezincinci kakhulu kunye nemifanekiso kwiibhanki, ezibonakalayo kuphela phantsi kweemeko ezithile.

7. Ungawaqaphela njani amatyala omgunyathi asasazwayo kwaye uphephe inkohliso

Ukuwaqonda amatyala omgunyathi kunokuba yimfuneko ukuphepha ukuqhathwa, ngokukodwa kwiimeko apho kubandakanyeke isixa esikhulu semali. Nasi isikhokelo Inyathelo nenyathelo malunga nendlela yokuchonga amatyala omgunyathi asasazwayo kwaye ngaloo ndlela ukhusele uqoqosho lwakho.

1. Jonga umgangatho wephepha: Iibhilikhwe ezithembekileyo zenziwe ngephepha elikhethekileyo kwaye zineempawu zokhuseleko ezakhelwe ngaphakathi. Khangela ukuba iphepha liyaxhathisa na, linokwakheka okukhethekileyo, kwaye livakala lirhabaxa xa ulibamba kunamatyala omgunyathi.

2. Hlola intambo yokhuseleko: Iibhilikhwe zokwenyani zinomsonto ofakwe ephepheni okhangeleka njengomgca oqhubekayo xa uphakanyiswe ekukhanyeni. Lo msonto kufuneka ubonakale ngaphandle kobunzima kwaye kufuneka ube nesicatshulwa se-banknote kunye nesimboli seBhanki ePhakathi ehambelanayo.

3. Khangela izinto zokuprinta: ii-banknotes zokwenyani ziprintwa ngee-inki ezikhethekileyo ezitshintsha umbala ngokuxhomekeke kwi-engile ezijongwa kuyo. Jonga iinombolo zesiriyali, umfanekiso, kunye nee-watermark, uqinisekise ukuba azinazitenxo. Sebenzisa iglasi yokukhulisa ukuba kukho imfuneko yokuphonononga iinkcukacha eziphucukileyo.

8. Ukubaluleka kokwazi iimpawu zamanqaku amatsha kuluntu ngokubanzi

Kutsha nje kuthe kwangeniswa iimali ezingamaphepha ezitsha, kwaye kubaluleke kakhulu ukuba uluntu ngokubanzi luzazi iimpawu zala maphepha matsha. Oku kungenxa yezizathu ezahlukahlukeneyo, phakathi kwazo ukuthintelwa korhwaphilizo, ukuchongwa kweemali ezingamaphepha zokwenyani kunye nokukhuthaza ukuzithemba kwinkqubo yezemali.

Ukuthintela ubuqhophololo, kuyafuneka ukuba uluntu ngokubanzi luziqhelanise neempawu zokhuseleko lwamanqaku amatsha. Ezi mpawu ziquka izinto ezibonakalayo kunye ne-tactile, ezifana ne-watermark, iihologram, ii-inki ezitshintsha umbala, kunye ne-embossing. Ukwazi indlela yokuchonga ezi zinto zokhuseleko kuya kuvumela abantu ukuba baqonde ukuba ityala liyinyaniso okanye aliyonyani, ngaloo ndlela kuthintelwa ukuba ngamaxhoba enkohliso.

Ngaphezu koko, kubalulekile ukuba uluntu luzazi iimpawu zemali engamaphepha amatsha ukukhuthaza ukuzithemba kwinkqubo yezemali. Ngokwazi indlela yokuqonda i-bill esemthethweni, abantu baya kuziva bezithembile xa befumana iintlawulo ezinkozo okanye besenza utshintshiselwano lwezoqoqosho. Oku kunegalelo ekugcineni uzinzo kunye nokusebenza ngendlela eyiyo kwenkqubo yezemali, ngaloo ndlela kukhuselwa umdla wabo bonke abathathi-nxaxheba ababandakanyekayo.

Isishwankathelo, kubalulekile ukuba uluntu ngokubanzi luzazi iimpawu zebhanki entsha ukunqanda ubuqhophololo, ukuchonga imali engamaphepha eyiyo kunye nokukhuthaza ukuzithemba kwinkqubo yezemali. Ukuqhelana neempawu zokhuseleko ezibonakalayo nezichukumisayo kuya kuvumela abantu ukuba baqaphele imali engamaphepha yokwenyani, ngaloo ndlela bathintele ukuba lixhoba lobuqhophololo. Olu lwazi lubonelela ngokhuseleko olukhulu kunye nokuzithemba kwintengiselwano yezoqoqosho, inceda ukugcina uzinzo lwenkqubo yezemali.

9. Izixhobo ezifumanekayo zokufundisa nokuqeqesha ekuchongeni imali entsha engamaphepha

Kukho ezininzi ngempumelelo kwaye ichanekile. Ngezantsi kukho ezinye iinketho ezinokuba luncedo kubo bobabini abahlohli kunye nabafundi:

Izifundo ezikwi-intanethi: Zininzi izifundo ezikwi-intanethi ezibonelela ngolwazi oluneenkcukacha malunga nendlela yokuchonga iimali eziziibhanki ezintsha. Ezi zifundo zihlala zibandakanya imifanekiso kunye neenkcazo ezibanzi zeempawu zokhuseleko ekufuneka ziqwalaselwe. Abanye iiwebhusayithi Bade babonelele ngeemvavanyo zokusebenzisana zokuvavanya ulwazi lwakho olufunyenweyo.

Ii-aplikeshini zeselfowuni: Esinye isixhobo esiluncedo ziiaplikeshini eziphathwayo ezilungiselelwe ngokukodwa ukuchongwa kwemali yebhanki. Ezi app zibonisa imifanekiso eyandisiweyo yeempawu zokhuseleko kwaye zibonelela ngesikhokelo senyathelo nenyathelo malunga nendlela yokuvavanya ngokucokisekileyo zonke iinkcukacha. Abanye bade basebenzisa iteknoloji inyani eyongeziweyo ukuvumela abasebenzisi ukuba banxibelelane namanqaku ebhanki kwaye baqinisekise ubunyani bazo.

Izixhobo zokufundisa eziprintiweyo: Kukwakho nezixhobo zokufundisa ezikhoyo ngendlela eshicilelweyo, njengeencwadana ezinemifanekiso nezikhokelo. Ezi zixhobo zibandakanya imifanekiso ecacileyo kunye neenkcazo ezicacileyo zeempawu zebhanki ekufuneka ziqwalaselwe xa kuchongwa. Ukongeza, ezinye izinikezelo zinokuqulatha imizekelo yamatyala omgunyathi aqhelekileyo ukunceda abafundi ukuba baqhelane neempawu ezilumkisayo.

10. Intsebenziswano phakathi kwamaziko ukuthintela ukwenziwa komgunyathi kwamaphepha ebhanki amatsha

Omnye weyona mingeni ibalulekileyo xa ujongene namatyala omgunyathi yintsebenziswano phakathi kwamaziko. Ukwenza imali engamaphepha amatsha ngomgunyathi lulwaphulo-mthetho olufuna impendulo elungelelanisiweyo nedibeneyo evela kumaziko awohlukeneyo. Apha ngezantsi kukho imilinganiselo ephambili yokuthintela ukwenziwa komgunyathi kwamaphepha amatsha ebhanki ngentsebenziswano yamaziko:

1. Yabelana ngolwazi kunye nezilumkiso: Amaziko emali kunye nee-arhente zogcino-mthetho kufuneka ziseke imijelo yonxibelelwano esebenzayo ukuze kwabelwane ngolwazi malunga namaphepha omgunyathi. Oku kuquka izilumkiso kwangethuba malunga neendlela ezintsha zomgunyathi kunye nokuhanjiswa lula kweenkcazelo kunye neempawu zeemali ezingamaphepha eziyinyani.

2. Uqeqesho oludibeneyo: Kubalulekile ukuba amaziko abandakanyekayo kumlo ochasene nokwenziwa kwemali yomgunyathi asebenzisane ukuze aqeqeshe abasebenzi bawo ekuchongeni imali engamaphepha yomgunyathi. Oku kunokubandakanya iindibano zocweyo, iikhosi ze-intanethi, imathiriyeli yereferensi kunye neeseshini zokuziqhelanisa nemizekelo yokwenyani yeemali ezingamaphepha zomgunyathi.

3. Itekhnoloji kunye nezixhobo ezikhethekileyo: Intsebenziswano yeziko ikwabandakanya ukwabelana ngobuchwephesha kunye nezixhobo ezikhethekileyo zokubona amatyala omgunyathi. Oku kunokubandakanya iinkqubo zokubona ngokuzenzekelayo, izixhobo zokuqinisekisa ubunyani kunye neelabhoratri ezikhethekileyo zokuhlalutya kunye nokuqinisekisa imali engamaphepha ekrokrisayo. Ngokusebenzisana, kunokufunyanwa izixhobo ezisebenzayo ngakumbi ukuze kuliwe nokuthengiswa kwemali yomgunyathi.

11. Utshintsho kwii-banknotes luchaphazela njani i-ATM kunye neenkqubo zoomatshini bokuhlawula

Utshintsho kwiibhanki lunokuba nefuthe elibalulekileyo kwi-ATM kunye neenkqubo zoomatshini bokuhlawula. Ezi zixhobo ziyilelwe ukuqaphela kunye nokwenza amatyala obungakanani obuthile, uyilo, kunye neempawu ezithile zokhuseleko. Xa kwaziswa iimali ezingamaphepha amatsha okanye kwenziwe utshintsho kwiimali ezisele zikhona, ezi nkqubo kufuneka zihlaziywe kwaye zilungiswe ukuqinisekisa ukuba zisebenza ngendlela eyiyo.

Ukwenza utshintsho kwi-ATM kunye neenkqubo zomatshini wokuhlawula, kubalulekile ukulandela inkqubo yesinyathelo ngesinyathelo. Okokuqala, kuyimfuneko ukuchonga utshintsho oluthile kwiibhanki ezintsha okanye kwiibhanki ezikhoyo. Oku kunokubandakanya uhlengahlengiso kubungakanani, uyilo, ukuthungwa okanye iimpawu zokhuseleko. Zakuba zichongiwe iinguqu, iisistim ezikhoyo kufuneka zihlalutywe ukumisela ukuba yeyiphi imiba ekufuneka ihlaziywe.

Nje ukuba iindawo ezifuna utshintsho zichongiwe, izisombululo ezitsha kufuneka ziphuhliswe kwaye zivavanywe. Oku kunokubandakanya ukuguqula inkqubo yesoftware ukuqinisekisa ukuba iyakwazi ukuqaphela nokuqhuba amanqaku amatsha. Kusenokuba yimfuneko ukuba kuhlaziywe iindlela eziphathekayo zoomatshini bokuqokelela ukuqinisekisa ukwamkelwa okufanelekileyo kunye nokuhanjiswa kwamatyala. Kubalulekile ukwenza uvavanyo olubanzi ukuqinisekisa ukuba utshintsho olwenzayo lusebenza ngokuchanekileyo phambi kokuba lusasazwe kuzo zonke iinkqubo ezisebenzayo.

12. Iingcebiso zokugcina intembeko yemali engamaphepha amatsha kusetyenziso lwemihla ngemihla

Ukusetyenziswa rhoqo kweemali zemali ingayenza ezilahlekelwa ngumgangatho wazo kwaye ziwohloke ngokukhawuleza. Ukuze ugweme oku kunye nokugcina ingqibelelo yamanqaku amatsha, kuyimfuneko ukulandela ezinye iingcebiso. Apha ngezantsi kukho iingcebiso ezisebenzayo zokugcina inkangeleko kunye nokuqina kwamaphepha akho ebhanki:

1. Kuphephe ukusonga amatyala kakhulu. Ukusonga rhoqo kunokubangela amanqaku asisigxina kumatyala, athob’ ixabiso lawo. Kubalulekile ukuzama ukuphatha imali ngononophelo kwaye ugweme ukwenza imigoqo engeyomfuneko.
2. Khusela imali engamaphepha kumanzi kunye namanzi. Ukubonakaliswa kwexesha elide kumswakama kunokonakalisa isakhiwo sephepha kwaye kubangele ukuba imali engamaphepha iyancipha ngokukhawuleza. Kucetyiswa ukuba ugcine ii-banknotes zomile kwaye ugweme ukuzifumana zimanzi phantsi kwazo naziphi na iimeko.
3. Sebenzisa izipaji ezifanelekileyo okanye iimeko. Ukugcina amatyala akho kwi-wallet esemgangathweni okanye kwi-case ingabakhusela kwi-scratches, i-scrapes, kunye nomnye umonakalo wangaphandle. Kubalulekile ukukhetha ityala elihambelana nobukhulu beebhili ngaphandle kokufaka uxinzelelo olugqithisileyo.

Ngokulandela ezi ngcebiso, unokwandisa ubomi beemali zakho zebhanki kwaye ugcine inkangeleko yazo ilungile ngexesha lokusetyenziswa kwemihla ngemihla. Khumbula ukugcina amatikiti ikwimeko entle Akubalulekanga kuphela kwixabiso layo lemali, kodwa nokugcina intembeko kwinkqubo yethu yezemali kunye nomgangatho weentengiselwano zethu.

13. Uhlaziyo lwemithetho kunye nemimiselo yokukhusela ukuhanjiswa kweemali ezingamaphepha amatsha

Kwiinzame zokukhusela ukuhanjiswa kweemali ezintsha, uthotho lohlaziyo lwemithetho nemigaqo luye lwaphunyezwa. La manyathelo ajolise ikakhulu ekuthinteleni ukwenziwa komgunyathi kunye nokuqinisekisa ukuthembeka kwemali. Ngezantsi lulunye uhlaziyo olukhulu olwenziweyo:

– Ukubandakanywa kweempawu ezintsha zokhuseleko: Umsebenzi sele wenziwe ekuphuhliseni nasekuphunyezweni kweempawu zokhuseleko ezikumgangatho ophezulu kumanqaku amatsha. Oku kubandakanya itekhnoloji efana ne-watermark, intambo yokhuseleko, ii-inki ezikhethekileyo kunye ne-tactile embossing. Ezi mpawu zinzima ukuba abazenzisi baphindaphinde kwaye bavumele abemi kunye nabarhwebi ukuba bachonge ngokulula izinto zomgunyathi.

– Ukusekwa kwezohlwayo eziqatha: Uwiso-mthetho olunxulumene nokwenziwa kwephepha lomgunyathi uye womelezwa. Izohlwayo eziqatha kunye nezigwebo zentolongo ezinde ziye zabekwa endaweni yabo babandakanyeka kubuqhophololo obunxulumene nemali. Oku kujoliswe ekuthinteleni abantu abanokuba ngabazenzisi kunye nokukhusela ukuhanjiswa kweemali eziziibhanki ezintsha.

– Intsebenziswano phakathi kwamaqumrhu karhulumente kunye necandelo labucala: Intsebenziswano phakathi kwabasemagunyeni karhulumente kunye nabecandelo labucala iye yakhuthazwa ukuba ilwe nokuthengiswa kwemali yomgunyathi. Amajelo onxibelelwano kunye nolungelelwaniso amiselwe ukuququzelela ukutshintshiselana ngolwazi kunye nokuphunyezwa kwamanyathelo okuthintela. Ukongeza, amaphulo okwazisa aqhutywe ukufundisa abantu malunga neempawu zokhuseleko zemali entsha yemali kunye nendlela yokuchonga izinto zomgunyathi.

Olu hlaziyo lwemithetho kunye nemimiselo lubonisa ukuzibophelela kwabasemagunyeni ekukhuseleni ukuhanjiswa kwemali engamaphepha amatsha kunye nokuqinisekisa intembeko kwimali. Nangona kunjalo, kubalulekile ukuba abemi bahlale bephaphile kwaye bahlale benolwazi malunga neempawu zokhuseleko lwemali engamaphepha ukuphepha ukuba ngamaxhoba enkohliso.

14. Ikamva lamaphepha emali ebhankini: iintsingiselo kunye namathemba

Kwiminyaka yakutshanje, siye sabona ukwanda okukhulu kokusetyenziswa kweendlela zokuhlawula idijithali, okuye kwaphakamisa umbuzo malunga nekamva leebhanki zephepha. Ngelixa abanye abantu bekholelwa ukuba imali engamaphepha inganyamalala ngokupheleleyo, abanye bathi kuya kuhlala kukho imfuno kubo. Apha ngezantsi, siza kuphonononga ezinye zezona ndlela zifanelekileyo kunye neembono malunga nekamva leebhanki zephepha.

1. Ukunciphisa ukusetyenziswa: Njengoko ubuchwephesha buhambela phambili kunye neenketho zentlawulo yedijithali zifikeleleka ngakumbi, imfuno yamanqaku ephepha inokwehla. Bayanda abantu abasebenzisa iindlela zokuhlawula nge-elektroniki, ezinje ngedebhithi namakhadi okuthenga ngetyala, izipaji zedijithali kunye neentlawulo ze-intanethi. Oku kuphakamisa umbuzo obalulekileyo: ngaba kuya kufika ixesha apho imali engamaphepha engasasebenziyo?

2. Inkxaso yeziko: Nangona ukuthandwa okukhulayo kweentlawulo zedijithali, amazwe amaninzi kunye neebhanki eziphambili ziyaqhubeka nokuprinta imali yephepha. Iimali zebhanki eziphathekayo zibhekwa njengendlela yokugcina kunye nesiqinisekiso, ekubeni azichatshazelwa kukungaphumeleli kobugcisa okanye kuxhomekeke kwiziseko zedijithali. Ukongeza, iibhili zamaphepha ziququzelela ukuthengiselana kwiindawo zasemaphandleni okanye kwiindawo ezingenazo Ukufikelela kwi-intanethi okanye iinkonzo zebhanki.

3. Inkqubela phambili kwitekhnoloji yezemali: Njengoko itekhnoloji iguquka, kukwanjalo ke neempawu zamaphepha ephepha. Inkqubela-phambili ekushicileleni imali engamaphepha ene-inki ephucukileyo nezixhobo zokhuseleko zenza kube nzima ukwenza umgunyathi. Amanqaku ebhanki anokubandakanya ubugcisa obufana neehologram, ii-inki ezitshintsha umbala kunye nezinto ezikhethekileyo zokuyila ukuqinisekisa ubunyani bazo kwaye zenze kube nzima ukwenza umgunyathi. Nangona kunjalo, ezinye iingcali ziphakamisa ukuba kunokwenzeka ukuba kwixesha elizayo i-banknotes ebonakalayo iya kutshintshwa yi-cryptocurrencies exhaswa yibhanki ephakathi.

Ngamafutshane, ngelixa kukho ukukhula okukhulayo kwiintlawulo zedijithali, iibhanki zephepha zisadlala indima ebalulekileyo kwinkqubo yezemali. Ngelixa imfuno yemali engamaphepha inokwehla kwixesha elizayo, akunakwenzeka ukuba iya kunyamalala ngokupheleleyo. Inkqubela phambili yobugcisa kushicilelo lwemali engamaphepha nokhuseleko lwemali nayo inefuthe kwikamva labo, njengoko besebenzisa izinto ezintsha ezikhulayo zokuthintela ukwenziwa komgunyathi. Lixesha kuphela eliya kuxela ukuba leliphi isalathiso sephepha lephepha eliya kuthatha kwihlabathi eliya likhula ngedijithali.

Isishwankathelo, esi sikhokelo sobugcisa sinikezele ngolwazi oluxabisekileyo malunga nendlela yokujonga iibhanki ezintsha. Ukusuka kuhlalutyo oluneenkcukacha lweempawu zokhuseleko ukuya kubuchule obuphambili bobuqinisekiso, abafundi bafumene ulwazi oluyimfuneko ukuchonga nokwahlula imali entsha yemali. La manyathelo okhuseleko aphunyezwa ngabasemagunyeni kwezemali bafuna ukukhusela ixabiso lemali kunye nokuthintela ukwenziwa komgunyathi. Njengawo nawuphi na umba wemali entsha, kubalulekile ukuba uhlale usexesheni kwaye uziqhelanise neempawu eziphambili zokhuseleko ukunqanda ubuqhophololo nokuqinisekisa ukuzithemba kwinkqubo yethu yezemali. Ngokusebenzisa ngobulumko ulwazi abalufumene apha, abantu ngabanye banokudlala indima ebonakalayo kumlo ochasene nephepha lemali yomgunyathi kwaye babe negalelo kuqoqosho olukhuselekileyo nolomeleleyo.