Kwixesha ledijithali Kwihlabathi esiphila kulo, izicelo zebhanki zibe sisixhobo esiyimfuneko sokuqhuba intengiselwano yethu yezemali. Akusekho mfuneko yokutyelela isebe elibonakalayo, ngoku siyakwazi ukulawula iiakhawunti zethu kwaye sitshintshe ukusuka kwinduduzo yefowuni yethu. Ngokusebenzisa imisebenzi yezicelo zebhanki, abasebenzisi banokufikelela kuluhlu olubanzi lwe lweenkonzo, ezinje ngokujonga ibhalansi yeakhawunti yabo, ukudlulisela imali, ukuhlawula amatyala, kunye nokwenza utyalo-mali. Ezi zicelo zibonelela ngamava akhuselekileyo kwaye aluncedo, avumela abasebenzisi ukuba balawule ngokupheleleyo imali yabo nanini na, naphi na.
Inyathelo ngenyathelo ➡️ Imisebenzi yezicelo zebhanki
- Imisebenzi yezicelo zebhanki
Usetyenziso lwebhanki sisixhobo esiluncedo kakhulu nesisebenzisekayo esivumela ukuba senze intengiselwano yethu yezemali ngokukhawuleza kwaye ngokukhuselekileyo. Ezi zicelo zisinika ufikelelo kuthotho lwemisebenzi eyenza kube lula kuthi ukulawula akhawunti kunye nolawulo lwezemali zethu. Kule mihla, phantse zonke iibhanki zinesicelo esiphathwayo esinokukhuphela kwii-smartphones okanye iitafile zethu.
Apha ngezantsi, sinikezela ngoluhlu lwezinto eziphambili ezidla ngokunikezelwa kwizicelo zebhanki:
- Uphando lwebhalansi kunye neentshukumo: Enye yezona zinto zisisiseko kwaye ziluncedo yezicelo ibhanki lithuba lokujonga ibhalansi yethu kunye nokuphonononga iintshukumo zeeakhawunti zethu ngexesha lokwenyani. Le nkcazelo isenza sikwazi ukugcina ulawulo oluneenkcukacha lwentengiselwano yethu kwaye sazi ngamaxesha onke ukuba yimalini esinayo.
- Udluliselo lwebhanki: Izicelo zebhanki zisivumela ukuba senze ukudluliselwa kwemali ngokulula kwaye ngokukhawuleza. Sinokudlulisela imali phakathi kweeakhawunti zethu okanye sithumele imali kwabanye abantu, nokuba kukwiiakhawunti ezikwibhanki enye okanye kwezinye iibhanki.
- Intlawulo yeenkonzo: Enye into esebenzayo kakhulu yezicelo zebhanki kukukwazi ukuhlawulela iinkonzo zethu ukusuka kwintuthuzelo ye isixhobo sethu mobile. Sinokwenza iintlawulo zetyala lombane, amanzi, umnxeba, i-intanethi, phakathi kwezinye, ngokukhuselekileyo nangaphandle kwesidingo sokuya kwisebe lebhanki okanye silinde emigceni.
- Ibhalansi ngokutsha: Izicelo ezininzi zebhanki nazo zisivumela ukuba sigcwalise ibhalansi yefowuni yethu ephathwayo ngokukhawuleza nakulula. Singakwazi ukunyusa ibhalansi kwinani lethu okanye kubantu abasondeleyo kuthi, nto leyo ilula kakhulu kwaye inqanda isidingo sokuya kwisiseko somzimba ukuya phezulu.
- Ukuvala kunye nokuvula amakhadi: Ukuba silahlekelwe okanye sikrokrela ukuba nawaphi na amakhadi ethu ebhanki abiwe, sinokuwavimba ngoko nangoko ngesicelo. Ngokufanayo, ukuba silifumene ikhadi, sinokulivula ngokulula ngaphandle kokufuna ukuya ebhankini.
- Izaziso kunye nezaziso: Izicelo zebhanki zisivumela ukuba siqwalasele izilumkiso kunye nezaziso zokufumana ulwazi olubalulekileyo malunga neeakhawunti zethu kunye neentengiselwano Sinokufumana izaziso zeentlawulo okanye iikhredithi, imida yebhalansi, ukuphela kwexesha elimiselweyo, phakathi kwabanye. Oku kusinceda ukuba sihlale sinolwazi kwaye sizilungiselele.
- Inkonzo eyenzelwe: Ezinye izicelo zebhanki zibonelela ngenkonzo yomthengi edityaniswe kwisicelo. Oku kusivumela ukuba senze imibuzo, sombulule amathandabuzo okanye sibonise amabango ngendlela ekhawulezayo nesebenzayo, ngaphandle kwesidingo sokutsalela umnxebaokanye Zizimase ngobuqu kwisebe lebhanki.
Ezi zezinye zezona mpawu zixhaphakileyo ukuba ii-apps zebhanki zibonelela, kodwa ibhanki nganye inokuba neempawu ezongezelelweyo kwi-app yazo. Kubalulekile ukuba uphonononge kwaye uziqhelanise nazo zonke iinketho esizinikwa yibhanki yethu ukuba sizenze kangangoko. izibonelelo zayo kwaye siqhube imisebenzi yethu yebhanki ngokufanelekileyo.
Imibuzo neempendulo
Yintoni isicelo sebhanki kwaye senzelwe ntoni?
- Isicelo sebhanki yisoftware eyilelwe ukuvumela abasebenzisi ukuba benze imisebenzi eyahlukeneyo yebhanki kwizixhobo zabo eziphathwayo.
- Isebenza ukubonelela abathengi ngokukhawuleza kunye nokufikelela ngokulula kwiinkonzo ezinikezelwa ngamabhanki, ukuphepha imigca emide kunye neenkqubo zomntu.
- Izicelo zebhanki zikuvumela ukuba wenze ukuthengiselana, ukujonga ibhalansi, ukuhlawula amatyala, ukudlulisa imali, phakathi kwezinye izinto.
Ndikhuphela njani usetyenziso lwebhanki kwisixhobo sam esiphathwayo?
- Vula ivenkile yeapp yesixhobo sakho, njengoGoogle IPlay Store okanye iApp Store.
- Khangela i-app yebhanki yebhanki yakho ngokuchwetheza igama kwindawo yokukhangela.
- Cofa iqhosha lokukhuphela kwaye ulinde ukufakelo kugqitywe.
- Nje ukuba ukhutshelwe, vula i-app kwaye ungene ngeenkcukacha zakho zebhanki.
Yiyiphi imisebenzi Ndingakwenza nge isicelo sebhanki?
- Ngesicelo sebhanki, unokwenza imisebenzi efana nale:
- Jonga ibhalansi yeeakhawunti zakho.
- Khupha kwaye uhlawule ii-invoyisi.
- Dlulisa imali phakathi kweakhawunti yakho kunye nakwabanye abantu.
- Hlaziya ikhadi lakho ledebhithi okanye letyala.
- Faka isicelo semali mboleko okanye ikhadi letyala.
- Vala okwexeshana okanye uvule amakhadi akho.
Ngaba kukhuselekile ukwenza iintengiselwano zebhanki ngesicelo seselula?
- Ewe, izicelo zebhanki ziyilwe ngemigangatho ephezulu yokhuseleko yokukhusela idatha yakho kunye neentengiselwano.
- Zonke iintengiselwano zenziwe ziguqulelwe ngokuntsonkothileyo, okuthetha ukuba idatha yakho yobuqu neyemali ikhuselwe.
- Ukongeza, ii-apps zihlala zinemilinganiselo yokuqinisekisa, enje ngeminwe okanye ukuqondwa kobuso, ukuqinisekisa ukuba nguwe kuphela onokufikelela kwiakhawunti yakho.
Ndingenza ntoni xa ndilibele igama lokugqitha leapp yam yebhanki?
- Uninzi lwee-apps zebhanki zinenketho yokubuyisela igama eligqithisiweyo.
- Ngokubanzi, kufuneka ukhethe "Ulibele igama eliyimfihlo?" kwaye ufake ulwazi olufunekayo ukuze uqinisekise ubuwena.
- Landela imiyalelo enikiweyo ukuseta kwakhona igama eliyimfihlo kwaye ufikelele kwiakhawunti yakho kwakhona.
Ngaba ndingasebenzisa isicelo sebhanki ukuba andingomthengi webhanki?
- Hayi, ngesiqhelo kufuneka ube ngumthengi webhanki ukuze ukwazi ukusebenzisa izicelo zabo.
- Ukubhalisa kwi-app, kufuneka ube ne-akhawunti yebhanki esebenzayo kunye nebhanki ethile kwaye unikeze iinkcukacha zakho zobuqu kunye nezemali.
- Ukuba awungomthengi webhanki ethile, kunokufuneka uvule iakhawunti ngaphambi kokuba usebenzise isicelo sabo.
Ngaba kukho naziphi na iindleko ezongezelelweyo zokusebenzisa i-app yebhanki?
- Kwiimeko ezininzi, ii-apps zebhanki zisimahla kubathengi bebhanki.
- Nangona kunjalo, nceda uqaphele ukuba kunokubakho iintlawulo ezinxulumene nentengiselwano ethile eyenziwe nge-app, efana nokudluliselwa kwamanye amazwe.
- Qinisekisa ukuba ujonga imirhumo yebhanki yakho kunye nemiqathango emalunga nokusebenzisa isicelo.
Ndingasebenzisa usetyenziso lwebhanki kwisixhobo esingaphezulu kwesinye?
- Ewe, unokusebenzisa i-app yebhanki kwi izixhobo ezininzi okoko ungena nge ngeenkcukacha zakho zebhanki.
- Kuyimfuneko ukuba isicelo esifakwe kwisixhobo ngasinye kwaye uqinisekise ukuba uyasigcina izixhobo zakho ikhuselekile kwaye ikhuselwe ngamagama ayimfihlo okanye iminwe.
Kufuneka ndenze ntoni ukuba i-smartphone yam ilahleka okanye ibiwe?
- Ekuqaleni into omele uyenze kukuqhagamshelana ngoko nangoko nebhanki yakho ukubazisa ngelahleko okanye ukubiwa kwesixhobo sakho.
- Ibhanki iya kuthatha amanyathelo ayimfuneko ukukhusela i-akhawunti yakho, njengokuthintela ukufikelela ngesicelo.
- Ukongeza, kufuneka wazise umboneleli wakho wenkonzo ephathwayo ukuvala ikhadi leSIM kunye nokuthintela ukusetyenziswa ngobuqhetseba.
Ngaba isicelo sebhanki sisebenza ngaphandle koqhagamshelo lwe-Intanethi?
- Hayi, usetyenziso lwebhanki lufuna uqhagamshelo lwe-Intanethi ukuze lusebenze kwaye lwenze ukuthengiselana ngexesha lokwenyani.
- Imisebenzi efuna uqhagamshelo lwe-Intanethi, olufana nokudluliselwa okanye imibuzo yebhalansi, ayinakwenziwa ngaphandle kokufikelela kwinethiwekhi.
- Khumbula ukuhlala unoqhagamshelo lwe-Intanethi oluzinzileyo xa usebenzisa usetyenziso lwebhanki ukunqanda iingxaki okanye ukulibaziseka kwintengiselwano yakho.
NdinguSebastián Vidal, injineli yekhompyuter ethanda itekhnoloji kunye ne-DIY. Ngaphaya koko, ndingumdali we tecnobits.com, apho ndabelana ngee-tutorials ukwenza itekhnoloji ifikeleleke kwaye iqondeke kumntu wonke.