I-Accounts ezingcono: Indlela entsha abasebenzi abancane bakholelwa ngayo Imali engaphandle kwemfundo-yizwe

Ukuguqula Ukukhokhela Kwezenzo Zenkululeko Ngokusebenzisa Ubuqukumbeko Betshekelo

Umlando wemisebenzi yasekhanda kusayensi yezimali yasendleleni yasekhanda wayithutha kakhulu eminyakeni edlule. Kugcineni kwalokhu kukhona i-akhabhano ezivirtuali, ezingavuselela ngempumelelo kuzimali zezimali (SMEs) ezihlawulayo izimali zasendlela. Lezi zixhumanisi zedijithali ziyalungisa indlela abasebenzi ngabazwa ngayo, bazwakale, nabahlukanise izimali zasendlela, bafakazela ubunzima obukhulu nokubophezela kumahluko asendleleni.

Njengoba umnotho wasendlela uyaphakama, izindlela zasebhange zangaphambilini zibonakala zihlukile kakhulu kuzimali zomsebenzi wangcono. I-akhabhano ezivirtuali zinikela isisindo esihlelekile kodwa esifinyelelayo esinamandla okuxhomekeza izinkinga ezinhlekelelayo zokuphatha izimali zasendlela. Zinikela izimali zezimali amakhulu kuphela, zibophezela ukufinyelela kuservice yebhange efanelekileyo yesimo sezulu.

Ukuziqonda Amandla eziphumo ze-Akhabhano e-Virtuali

Izici Ezinhle nezindlela zokusebenza

I-akhawunti ezivirtual zisebenza njengemibiko yezinkundla zedijithali engqondweni yokubhanki kulezi zenzela izinqubo ukuthola imali kusuka kuzindlela eziningi ngelisho lokuhlinzeka nokulungisa kwemali. Ngaphandle kwezikhawunti ezijwayelekile zebhanki, i-akhawunti e-virtual ingakhiqizwa ngokushesha futhi ngamayunithi amaningi, okwenzela izinqubo ukunikezela imininingwane yekhuphonya endaweni eyaziwayo abakhangeli bayo baphuma phandle. Lokhu kusebenza kunciphisa kakhulu ukugcina kwezohlelo ngaphakathi komthetho wokuthengisa futhi kuyihlela inkathi yesikhashana.

Nguye ngalunye i-akhawunti evirtual inikezwa ngomkhakha wayo owodwa, okwenzela ukuba kube yimfuneko ukulandelela imali efika ngendlela ephambene. Leli qhaza libaluleke kakhulu kuzama zokuthengisayo ezifundela ngezinkampani eziningi noma ezisebenzayo emathelweni amaningi, ngoba lingasusa ukucindezeleka okuhlukahlukene ekulandelweni kwezimali zangaphakathi ngendlela eyodwa eyajwayelekile.

Izinteloze kumsebenzi wokufaka

Ukusebenzisa kwe-akhawunti evuthiweku kubangela izint advantages zokusebenza eziningi kumaSMEs. Okokuqala, kususa isikhathi esikhulu esisodwa ngokulungiselela imali, ngoba yonke indlela ibhaliswa ngamaphawu akhethekile e-klenti noma umba. Lokhu kukhokhela kunciphisa impazamo yabantu kanye nokuvikela izindlela ezibalasekile ezingaconakali ngempilo yesinqumo.

Ngaphezu kwalokho, i-akhawunti evuthiweku inika ubonakaliso ngemva yokufinyelela kwemali, ekuvumela izinkampani ukuba zenze izinqumo ezilungileyo ngomlando wemali. Inkinobeko yokulandela izincomo njengoko kuzenzeka kuvumela umphathi wemali wokuhlelwa kahle kanye nokubala okulungileyo komlando wemali, okwenzakalisa ukuthuthukisa kwezenzo.

Ukusebenzisa Kwegama Elithile Kwezinhlelo Zekhawunti Evuthiweku

Ukuthunyelwa Kwizinhlelo Ezithelemile

Ukwenza ngempumelelo izikwonto ezivirtuali kudinga indlela eqondene nokuthunyelwa kwizinhlelo zezimali ezitholakalayo. Indlela yenzaqenduku kusukela ekubaleni imodi yokulawula imali njengaleso manje kanye nokubala izindawo apho izikwonto ezivirtuali zingakha phakade. Ababeli baba ngamaziko abonakala ezi zikwonto zivirtuali banikeza i-API nezinye izisiseko zokuthinta okungcinezileyo ukuthunyelwa kohlelo lokubala kanye nezinhlelo zokuphatha izindlela (ERP).

Ukuguquka kuzikwonto ezivirtuali kufanele kube yinxalenye yesifazane, ukuvumela amagunya ukuthi iyilingane nendlela entsha ngelishaa ikhona lezenzo. Le ndlela ihlinza ukuthintana okuncane kumsebenzi wamanje ngelishaa kuyathola amandla wezimali zodidi lwase-dijithili.

Izinhlelo Ezilungile Ekugcineni

Ukuthuthukisa izimpumelelo zemigudu evulekileyo, kumele izinkampani zenze amathiphu okhulula ukudala nokuphatha imigudu. Lokhu kufaka phakathi ukuthuthukisa izihlalo zobuchwepheshe bezimigudu evulekileyo, ukusetalwa kwezaziso ezihambisana ngezimali ezafika, nokudala izinhindlolo zeqiniso lokulinganiswa nezilungiselelo.

Ukuhlolwa kanye nokuthuthukiswa kwezigaba zemigudu evulekileyo kusidla ukuthi kuqhubeka ngendlela efanelekileyo. Lokhu kungaholela ekugcineni imigudu engasetyenziswa ngcono, ukudala eminye imigudu yezidingo ezintsha zombuso, noma ukulungisa izilawuli ukuze zilingane ngempela nezindlela zokulipa ezishintshayo.

Iziphumathi Nokuhlanjelwa Kwezimvume

Amathiphu Okuphatha Isikhundla

Nakuba i-akhawunti ezivirtuali zinikeza izintolo eziningi, kubalulekile ukugcina izindlela zokuphelelwa kwemithetho. Izinhlelo zamanje ezenziwa ngamakhawunti avirtuali azifaka amathuba amaningi okuphelelwa kwemithetho, kanye neziphazamiso, ukuthi njalo umuntu wahlala ngaphandle kokwazi ukungena (multi-factor authentication), nokuthola okuqondene nge-fraud ngexesha lokusebenza. Kufanele izihlalo zibuyeke ngokucophelela nokuvuselela izimpendulo zabo zokuphelelwa kwemithetho ukuze zihlengele izikhuthazo esengenayo.

Ukufundisa abasebenzi baletha indima eyinkulu ekugcineni imithetho yokuphelelwa. Abasebenzi ababophezela amakhawunti avirtuali kufanele bafundeke ngendlela ephambili ngemithetho emihle yokuphelelwa kwemithetho, kubandakanya indlela yokubona izimo eziphathelene nokuthatha isilinganiso sokuthembeka, nokulandela izimpendulo ezilungile yokuthi njalo umuntu wahlala ngaphandle kokwazi ukungena.

Ukulingana Nekhomidi

Ukusebenza kwindawo yezimali zonke kudinga ukuzinikela kakhulu ekulinganeni nezimpendulo zokukhokhelwa. Izigaba zokunika amakhawunti avirtuali zilandela ngokuvamile izimpendulo ezahlukeneyo zezimali zonke, kodwa izihlalo kumele ziqiniseke ukuthi lokho kuzisebenzisa kulingane nemithetho yesifundazwe nempendulo yokubhala.

Ukukhomba kwezikhathi ezihlukene kwezenzo zokuthenga kwe-akhabhile evulekile kusiza ekugcineni ukulandelana nokuthinta izinkinga ngaphambi kokuba kube yizinkinga. Lokhu kufaka phakathi ukugcina amadokhumenti akwenzekayo konke okuqashelwayo nokubaluleka kwezivikeli ngaphandle kokunye.

Imithombo ezenzeka kuzo futhi izinto eziphambene

Imininingwane Yezindlela

Isimangaliso se-akhabhile evulekile sithembeka, ngenhloso yokuthuthuka kwezobuchwepheshe kumelisa izinkundla zalo. I-Artificial intelligence ne-machine learning zifakwa ukuze kuvuselekeke ukuphatha imali nokuthinta ukushayiswa. Lezi zindlela zizonza i-akhabhile evulekile ngamandla angaphezu kakhulu emisebenzini yezimali eziphakeme.

I-Blockchain technology icindezela futhi ukuthi ibe yinto eqhubekayo kwiindawo zokuthenga kwe-akhabhile evulekile, kungenzeka iphinde iphumelele ekuvuseleni kanye nokubonakala kwezohlelo lokuthenga phakathi kwemibuso. Lokhu kungaba yindlela yokuthuthuka kwezinsuku zokuphikisana kanye nokunciphisa izindleko zokulipa phakathi kwemibuso.

Ukuthuthuka Kwesifungo Kuye Nokulungiselela

Ngokuthi izinkampani eziningi ziya kubona izintuza zezincwadi ezivirtuali, singathanda ukubheka ukuhlaziywa okuphinde kusondele kulesi sikhala. Izici nezakhono ezintsha ziph likely kuhlala ukuxhasa izidingo eziyenzekayo zezinkampani neemandla esimweni. Lokhu kungafaka phakathi ukuthuthukisa izinqumo, izixhumanisi ezaneleyo zokubika, nezinketho ezinengiweyo zomali.

Ukuthuthuka kwizincwadi ezivirtuali kuyakwenzeka futhi kuthinte amaservices asebenzela ngendlela eyisisekelo, kungenzeka kube khona izisombululo ezihlangene ezibangela iziqondiso eziningi zezinkampani nezobudigital.

Imibuzo Evame Ukubuzwa

Izincwadi ezivirtuali ziyahluke kanjani kuzincwadi zasebhange?

I-akhawunti ezivirtual ziyingxenye zomthelelo wemali edijithalayo endolobha njengemigudu yekhawunti ephambili. Ngaphandle kwe-akhawunti zamabhanki amadala, kwenzeke ngaso nyoka, azidingi ibhalansi engeyiyo, futhi zinikeza izinkokhelo ezilungile ekulandeleni nokulungiselela imali engenayo. Zibalulekile kakhulu ekuphatheni kwezindlela ezahlukeneyo zokulipa ngendlela ethintana kahle ngezimali.

Iziphumela ziphi zokuphepha kuzivikela i-akhawunti ezivirtual?

I-akhawunti ezivirtual ziphephelwa ngamandla amaningi okuphepha, akwethu ukukhipha kwangaphakathi, ukuthi umsebenzisi ungabona phawula lokuthile, nokulandela izojikelezo ngexesha elishintshayo. Izinhlelo ezinezinzuzo eziphucayi nokubuyekezwa kweziphumela zokuphepha zihlengeza ukuthi izimali nezimpahla ezibuthelene zibe yisidumbu. Ngaphezu kwalokho, abasebenzisa i-akhawunti ezivirtual bazohlanya nokuhlanjelana nokwakhiwa kwebhanki yasemhlabeni ngokuphephelwa kwesicelo.

I-akhawunti ezivirtual ingaba ziyakwazi ukuphatha imali yeziphawula ezahlukeneyo?

Yebo, izikhwama ezivirtuali zingahlawula imali enguqobo, kuvumela izinkampani ukuthola imali ngemali yendawo kusuka emazweni amahle. Lokhu kungaba nguqobo kunciphisa izindleko zokuguquguquka kwemali futhi kuyakwesha uhlelo lokuhlawula phakade ngokunika amaphuzu okuhlawula aphilayo kubalimi basephandle. Emva kwalokho, imali ingaguqukiswa futhi ingakhangelwa ngokuthanda kwesikhashana.