Ngokuqalwa kwentengiselwano yedijithali kule mihla, ukufumana iingqekembe kusetyenziso lwethu lwemihla ngemihla akuqhelekanga kangako. Kodwa kukho iintlobo ezahlukeneyo zamashishini athengisayo asaxhomekeke kwiingqekembe ukuhlawula abasebenzi babo besitokhwe.
Kwakhona ezinye iibhanki kunye nenkqubo yezothutho zikawonke-wonke zisaxhomekeke kwiingqekembe. Ngaphezu koko, inkqubo yokubala kunye nokuhlela ezo ngqekembe zemali ithatha ixesha elininzi kwaye ikwadinga inqanaba elithile lezakhono.
Nangona kunjalo, ukuze ugweme le ngxaki, ukuthenga umatshini we-counter counter sisisombululo esona sisisombululo esiya kukunceda ekubaleni nasekuhleleni iingqekembe ngokugcina ixesha lakho elixabisekileyo kunye nokunciphisa amaxabiso akho empazamo.
Apha sithetha ngazo zonke iingqikelelo ukuba yintoni umatshini we-counter counter, umatshini we-counter counter usebenza njani, iinzuzo, iintlobo, kunye nokuthenga iingcebiso ezifana neempawu zokuqwalasela phambi kokuthengwa nokugcinwa komatshini we-counter counter.
Isiqulatho:
– Ukuqonda ukusebenza koomatshini bekhawunta yemali
– Iingenelo ezingenakuphikiswa zokusebenzisa umatshini wekhawunta yemali
-Iintlobo ezahlukeneyo zoomatshini bekhawunta yemali abakhoyo
-Iimpawu eziphambili ekufuneka uziqwalasele xa ukhetha umatshini wekhawunta yemali
-Iingcebiso zokugcina umatshini wakho wokubala wemali
Ukuqonda ukusebenza koomatshini be-counter counter:
Umatshini we-counter counter ngumatshini osetyenziselwa ukwenza umsebenzi ngokuzenzekelayo, oquka ukubala ingqekembe kunye nokuhlela ingqekembe nganye nganye ngesandla. Njengoko zininzi iintengiselwano zemali ezenziwe ngemali ezinkozo ngale mini kwaye siza kubuya nomthwalo weengqekembe zemali. Inokuba ngumsebenzi ombi kuthi ukubala kwaye sihlele ezo ngqekembe ngezandla zethu, siphinde siyifake ngesandla. Umatshini wokubala wemali unokubenza lula.
Kuqala ukuba abantu bafake iingqekembe kwi-hopper (eyingubo engqukuva), kwaye ke banokuqalisa umatshini wokungcangcazela okanye umatshini ojikelezayo kwaye umatshini uya kuqalisa ukuhlenga nokubala ngokobungakanani kunye nexabiso. Owona matshini mtsha unomsebenzi obizwa ngokuba yi-batching. Iya kubala kwaye ihlele ubungakanani obuthile abantu abafuna ukuseta.
Iinzuzo ezingenakuphikiswa zokusebenzisa umatshini wekhawunta wemali:
Ukuba nomatshini wokubala wemali kwinkampani yakho kuya kuba luncedo.
Kukho izizathu ezininzi ezenza kube luncedo. Iya kuba yeyokuqala, igcina abasebenzi ixesha elininzi abaya kuchitha ukubala iingqekembe zemali kunye necoke, ixesha elinokuthi lisetyenziswe ngokufanelekileyo kwinkqubo yokudala iimveliso zabo ngabasebenzi, ukuze kuxhamle inkampani. Kwaye yindlela yanamhlanje yokubala i-cach, ukususa iimpazamo zabantu ezinokuthi zenzeke.
Ngapha koko, lo matshini uya kwenza ishishini labo lisebenze ngakumbi kwaye lonwabe kubathengi. Kuya kukhawulezisa ukuthengiselana, zombini kwindawo yemali kunye nakwamanye amanqanaba, nakwiindawo zokuthengisa. Isenokuba ngumahluko phakathi kokuba nomsindo, umgca wabathengi kunye nodumo oluhle lweengxoxo ezibalaseleyo.
Ngokubanzi, ukuba uyinkampani elawula isebe lakho, kwaye ufuna ukulenza likhuseleke, lisebenze ngakumbi kwaye lithandeke ngakumbi kubathengi bakho, ukufumana umatshini wekhawunta yemali kuya kuba luluvo oluncomekayo.
Iindidi ezahlukeneyo zoomatshini bekhawunta yemali ezikhoyo:
Iingqekembe zingumqolo walo naliphi na ishishini ngoko kukho iintlobo ezininzi zoomatshini bemali ekhawuntayo, eyenzelwe iinjongo ezahlukeneyo. Kukho oomatshini bokubala bemali abancinci kumashishini amancinci kunye nomthamo ophantsi weemali eziinkozo, kukho oomatshini bokuqokelela imali eqinile ngakumbi, kwiibhanki kunye neevenkile ezinkulu zokuthengisa, kunye noomatshini banokudibaniswa kunye neempawu ezongezelelweyo, ezifana nokubhaqwa komgunyathi, ukwenzela ukukhusela ishishini lakho kubuqhophololo.
Iimpawu eziphambili ekufuneka uziqwalasele xa ukhetha umatshini wekhawunta yemali:
Xa ujonge ukuthenga umatshini wokubala wemali, kukho izinto ezininzi oza kufuna ukugxila kuzo ukuze ukhethe enye eya kuhambelana neemfuno zeshishini lakho ngokufanelekileyo. Enye yezinto zokuqala ofuna ukuziqwalasela kukubala kwesantya somatshini. Umatshini onesantya esiphezulu sokubala uya kusebenza ngakumbi kwaye ugqwese kwimithwalo emikhulu onokuthi ubaleke kuyo. Ubungakanani behopper yenye into ofuna ukuyiqwalasela. Esona sizathu siphambili soku kukuba unokuqonda ukuba zingaphi iingqekembe onokuzibala ngexesha elinye kunokuba ulayishe kwaye uqhube amaxesha amaninzi. Iimpawu ezongezelelweyo zinokubandakanya indlela echanekileyo yokubala umatshini. Isenokuba nenye into eyongeziweyo ekuvumela ukuba uchole iingqekembe zemali zangaphandle okanye ezomgunyathi, kuxhomekeka ekubeni bangaphi abantu obancedayo kunye nokuba bangaphi na intengiselwano yemali oyenzayo, inokuba lulutho olukhulu njengoko ubala utshintsho lwabo.
Iingcebiso zokugcina umatshini wakho wokubala wemali:
Ngaphaya koko, ukulungiswa rhoqo kukwabalulekile ukuze uqinisekise ixesha elide kunye nokusebenza ngokugqibeleleyo kwesixhobo sakho. Ngokucoca isixhobo rhoqo, unokukuphepha ukuvaleka okunokubangelwa bubutyobo. Ukongeza, ukuba umatshini wakho wekhawunta yemali unemboniso yedijithali kunye neempawu, unokufuna ukuhlaziya isoftware ukuqinisekisa ukuba ihambelana nazo naziphi na iinguqu zedijithali malunga neehlelo ezintsha zengqekembe okanye ubugcisa bokubona umgunyathi. Ngamafutshane, umatshini wakho wokubala wemali uya kusebenza ngokugqibeleleyo nje ukuba ulandela imiyalelo yogcino olunikezwa ngumenzi.
Isiphelo:
Umatshini we-counter counter sisixhobo esiluncedo kulo naliphi na ishishini elamkela iintlawulo ezinkozo. Nokuba yeyiphi na igama layo - umatshini wekhawunta yemali, umtshintshi wemali, okanye enye into - lixesha kunye neendleko zokonga izixhobo ezinceda amashishini amkele kwaye abale imali. Ukuqonda ukuba zeziphi iintlobo ezikhoyo, indlela yokuzahlula, kwaye zeziphi iimpawu kunye nokugcinwa koqwalaselo kunokukunceda ukhethe owona matshini wekhawuntari wengqekembe xa ilixesha lokuba ishishini lakho lizise enye endlwini, ukuphucula ukusebenza, ukonyusa ukuchaneka, kunye nokwanelisa abathengi.
