Wena Kutshanje kuye kwafika ibhanki entsha eSpain ezichaza njengenkonzo "yokuhambisa imali kwangoko". Ngokuchasene nokwenzekayo ngezinye iinkonzo zebhanki zedijithali ezinje nge Revolut kulo mzekelo, akukho hlobo lwesicelo luyafuneka. Kodwa yonke into ilawulwa ngokuthe ngqo kwizicelo zemiyalezo ekhawulezileyo ezinje Whatsapp, Facebook Messenger okanye yocingo.
Le nkonzo intsha ijolise ukuze le neobank inokusetyenziswa kuyo yonke i-European Union. Wena iqinisekisa ukuba unokufumana ikhadi lakho kwimizuzwana engama-30 ngokusebenzisa imiyalezo yokufaka imiyalezo.
Inkqubo yobhaliso ingaqhutywa ngokukhawuleza kwiWhatsApp, iViber, iTelegram, iFacebook Messenger kunye nekamva apho inkxaso iya kunikezelwa kwiLine, WeChat kunye neNgxabano, phakathi kwabanye.
IZelf ayifuni kufakwa
Wena Ayifuni kufakelwa, kwanele ukuthumela umyalezo kuZelf ngomyalezo, nokuba yi-emoji, umbuliso okanye nantoni na oyifunayo, eya kwenza incoko ngokwayo icele igama elipheleleyo kunye nenombolo yefowuni, idatha ethile eyimfuneko ukuze ikwazi ukuqhubeka nokusebenza kunye nokuqinisekiswa kweakhawunti.
Nje ukuba ubhalise kwiZelf, singafumana ikhadi elibonakalayo elihambelana neGoogle ay okanye iApple Pay, ukuze wenze intlawulo ngefowuni ngekhadi ledijithali olifakileyo kwifowuni yakho.
Kwakhona, indlela yokuthumela okanye yokufumana imali, ngokungafaniyo nento eyenzekayo nezinye izicelo, yenziwa ngengxoxo uqobo. Ngale ndlela, ukuba ufuna ukuthumela imali kumntu ungathumela umyalezo obhaliweyo okanye odiyo obonisa ukuba "cela u-X unxibelelane nama-euro angama-20" kwaye UZelf uya kuvelisa ikhonkco ke unokuyithumela kunxibelelwano lwakho kwaye baya kukuhlawula. Unako kwakhona ukwenza ii-invoyisi rhoqo okanye usebenzisa iikhowudi zeQR, njengoko ukhetha.
Ngale ndlela, iakhawunti yeZelf onokuthi uyenze iya kudityaniswa nenombolo nganye yeselfowuni hayi nesicelo njengoko kusenzeka kwezinye iinkonzo. Ngale ndlela, inkqubo yokwenza ukuhanjiswa kwemali phakathi kwabasebenzisi ayinanto yokwenza neenkonzo eziqhelekileyo.
Zithini ii-neobanks
Los neobanks ziinkampani ezisandula ukwenziwa ezinoxanduva lokubonelela abasebenzisi ngeemveliso zezemali kwindawo yedijithali. Ikhathalogu yayo yenkonzo ihlala ijolise kwiakhawunti ekwi-intanethi, isicelo esiselfowuni okanye ikhadi ledebhithi okanye elikhokhelwa kwangaphambili.
Eyona mpumelelo yabo iphambili kukuba bahlala benamaxabiso asezantsi, ukongeza ekungafunekiyo ikhonkco elinyanzelekileyo kwaye banesibonelelo senkonzo enomdla, kunye neeakhawunti zemali ezininzi, ugqithiso olunqabileyo lwamanye amazwe, njalo njalo.
Ukuze iziko lithathelwe ingqalelo njengebhanki, kufuneka lihlangane nothotho lweempawu:
- Abanawo amaphepha-mvume okubhanka. Iibhanki zeNeo, nangona igama labo linokubonakala ngenye indlela, ayizizo iibhanki zokwenyani, kuba abanayo ilayisensi yokubhankisha. Oku kuthetha ukuba banoxanduva lokusebenza njengeenkampani zabucala ezibonelela ngeenkonzo ngeziko lemali langaphandle elektroniki okanye ngokuthe ngqo ngomnye wazo.
- Amava edijithali. Njengamanye amaziko kwindalo ye-fintech, ii-neobanks ziyaxhaswa yitekhnoloji yokubonelela abasebenzisi ngamava edijithali ngokupheleleyo. Ngale ndlela, zombini ikhontrakthi kunye nokusebenza kweakhawunti kunye neenkonzo zenziwa ngokukodwa kwi-intanethi, ngesiqhelo kusetyenziswa usetyenziso lweselfowuni. Zihlala zisenziwa zizicelo ezinembonakalo ecacileyo, enobuchule kunye nokusebenziseka ngokulula, kwaye ngamanye amaxesha zinikezela ngeenkonzo ezongezelelweyo ukuphucula amava omsebenzisi.
Iibhanki ze-Fintech okanye ii-neobanks ziye zaba luqhushululu olukhulu kumazwe amaninzi, abaye bazuza umbulelo ngokunikezela ngesithembiso esicacileyo, esilula kunye nesinexabiso eliphantsi, kunye nokuziqhelanisa notshintshiselwano lwemali kunye nokuvumela iiakhawunti zebhanki zibekhona nakwamanye amazwe. Ngale ndlela, ukuba uhambahamba ungazisebenzisa ukuhlala unemali yakho, nokuba uphi.
Bakwasebenza besebenzisa itekhnoloji yamva nje kwintengiso, evumela ukuhlangabezana neemfuno zabathengi ngobuchule obukhulu, kunye nokuqinisekisa ukuba usetyenziso luyilo olungcono. Ukusebenza kwayo kuphelele kwi-100% yedijithali, ukuguqula yonke inkonzo ukujikeleza isicelo okanye okufanayo. Kwindaba ye Wena Sifumanisa ukuba ihambisa usetyenziso lweselfowuni ukuze isebenze kunye neenkonzo zokuthumela imiyalezo kwangoko.
Kwelinye icala, ezinye zezi bhanki zisebenza ngee-cryptocurrencies, ngaloo ndlela zivumela iimali zedijithali ezinje nge-bitcoins ukuba zifunyanwe, ziqokelelwe okanye zilawulwe. Kukwafanelekile ukuba uqaphele ukuba amanyathelo okhuseleko oluphambili ayathathwa ukuphucula imfihlo yabathengi kusetyenziswa iminwe ye-biometric okanye iinkqubo zokuqaphela ubuso.
Okwangoku kukho ii-neobanks ezisebenzisa ilayisensi yemali ye-elektroniki, enje ngeQonto okanye iRevolut, ngelixa zikhona ezinye ezininzi ezingayisebenzisiyo ilayisensi yemali ye-elektroniki kwaye ukunikezela ngeenkonzo zabo zihambelana nezinto zolu hlobo. ye-Bitsa, i-Bnc10, i-Bnext, i-Monese okanye i-Rebelleiion Pay, nangona ezinye zazo, nangona zikolu luhlu, zinezinto ezithile ezizodwa.
Imvelaphi yezi neobanks ngoku yahluke kakhulu. Kukho ezinye zazo ezizalwe ziibhanki esele zikhona, ezinethuba lokufumana inkxaso yezemali yeziko elikhulu elinamava ngakumbi kwicandelo; Ezinye zenziwe kwasekuqaleni kwaye zinokwaziswa okunzima ngakumbi, kufuneka zenze iinkqubo ezahlukeneyo ukuze iprojekthi iqhubeke okanye ixhaswe liziko elinelayisensi yemali ye-elektroniki (i-EDE).
Ngayiphi na imeko, ezi ntlobo zeebhanki bezisonyuka iminyaka kwaye abantu abaninzi bejikela kubo ukuze bakwazi ukwenza intlawulo ngentuthuzelo yeselfowuni nakwiiakhawunti ezikhuselekileyo nezilungele ukusetyenziswa.