ISikhokelo sokugqibela se-EFT: Yintoni na kwaye isebenza njani

Xa abathengi be-odola into ethile kwi-intanethi, baswayipha ikhadi labo evenkileni, okanye bahlawule umthengisi nge-app, imali ihamba ngoko nangoko, kungekho mali yasemzimbeni okanye amaphepha angena kwi-equation. Kunoko, i-automated yi-electronic funds transfer, okanye i-EFT - umqolo weentengiselwano zemali zanamhlanje.

Ukusuka kwiidiphozithi zokuhlawula ukuya kwiintlawulo zeebhili ze-intanethi, ii-EFTs zinika amandla phantse yonke intshukumo yemali yedijithali namhlanje, nto leyo ethetha ukuba zibalulekile ekuqhubeni ishishini.

Kweli nqaku, siza kucazulula yonke into ekufuneka uyazi malunga nezi nkqubo zentlawulo yedijithali kunye nendlela ezimi ngayo ukunceda ishishini lakho.

Isiqulatho
Zithini iintlawulo ze-EFT?
    Yahluke njani i-EFT kwiintlawulo eziqhelekileyo?
Zisebenza njani iintlawulo ze-EFT?
Iintlobo ezisi-7 zeentlawulo ze-EFT
    1. Idiphozithi ngqo (intlawulo kunye neentlawulo zikarhulumente)
    2. Iintlawulo zendlu ezenzekelayo (ACH)
    3. Ukudluliselwa ngocingo
    4. Iitransekshini zekhredithi kunye nekhadi lebhanki
    5. Iitshekhi zombane (ii-e-checks)
    6. Iintlawulo eziphathwayo (ii-apps ezifana neVenmo, PayPal, kunye neZelle)
    7. Oomatshini abazenzelayo (ATM)
Kutheni iintlawulo ze-EFT zitshintsha umdlalo kumashishini
Ukusondeza phezulu

Zithini iintlawulo ze-EFT?

Iintlawulo ze-EFT ziitransekshini ze-elektroniki ezithumela imali isuka kwenye iakhawunti yebhanki iye kwenye ngaphandle kwemfuneko yokutshekishwa kwamaphepha, imali eziinkozo, okanye amaxwebhu aphathekayo. Lixesha elibanzi leentlawulo zedijithali, ezifana nentengiselwano yekhadi letyala, ugqithiselo lwengcingo, kunye neentlawulo zeACH.

Endaweni yokuphatha imali ngendlela yesikolo esidala (iitshekhi zokubhala, zilindele ukuba zicinywe, zifake imali ezinkozo), ii-EFTs zivumela amashishini kunye nabathengi bathumele kwaye bafumane iintlawulo ngedijithali nanini na, naphi na. Ngamafutshane, abantu kunye namashishini emhlabeni jikelele basebenzisa ii-EFTs ngenxa yokulula kunye nokulula.

Yahluke njani i-EFT kwiintlawulo eziqhelekileyo?

• Ukukhawuleza: Amashishini akufuneki alinde ukuba iitshekhi zicinywe okanye ukuba umamkeli abale imali
• Ukunceda: Iimali zihamba ngokuzenzekelayo, zinciphisa umsebenzi wezandla
• U khu seleko: Akukho mngcipheko weetshekhi ezilahlekileyo okanye imali ebiweyo ngaphandle kokuba kusetyenziswe ii-hacks kunye nobuqhophololo
• Ukuzenzekelayo: Amashishini anokuseta ukuhlawula, iintlawulo zababoneleli, kunye nee-invoyisi ukuze zisebenze ngokuzenzekelayo

Ukubeka nje, iintlawulo ze-EFT zenza intshukumo yemali ingabinamthungo kwaye isebenze kakuhle.

Zisebenza njani iintlawulo ze-EFT?

Embindini wabo, ii-EFTs zisebenza njengokuxhawulana ngesandla kwedijithali phakathi kwamaziko amabini emali okanye amaqela. Nalu ucazululo olulula lwendlela iintengiselwano ze-EFT ezenzeka ngayo:

• Umthumeli usungula intlawulo. Lo ngumntu okanye ishishini elicela ukuthumela imali nge-elektroniki. Oku kunokuba yidiphozithi yokuhlawula, ukuthenga nge-intanethi, okanye intlawulo yebhili.
• Ibhanki yomthumeli iqhuba udluliselo, iqinisekisa iinkcukacha, kwaye iqalisa intengiselwano

• Iimali zihamba ngenethiwekhi yentlawulo. Ngokuxhomekeke kuhlobo lwe-EFT, intlawulo inokuhamba ngenethiwekhi ye-ACH, inkqubo yokusetyenzwa kwekhadi, okanye inethiwekhi yexesha lokwenyani.
• Ibhanki yomamkeli iya kufumana imali nje ukuba uthungelwano lwentlawulo luyivume intengiselwano
• Intengiselwano igqityiwe, ivumela ummkeli ukuba afikelele kwaye asebenzise imali

Ngokungafaniyo nodluliselo lwebhanki lwemveli, olunokuthatha iintsuku, iintlawulo ezininzi ze-EFT zingoko nangoko okanye kwiiyure nje ezimbalwa.

Iintlobo ezisi-7 zeentlawulo ze-EFT

I-EFT ayisiyonkqubo yobungakanani obufanayo: Kukho iindlela ezininzi zokuhamba kwemali ngekhompyutha. Nazi iindlela ezisixhenxe zokuhlawula ze-EFT amashishini kunye nabathengi abazisebenzisa yonke imihla:

1. Idiphozithi ngqo (intlawulo kunye neentlawulo zikarhulumente)

Uninzi lwabasebenzi luhlawulwa ngediphozithi ngqo. Endaweni yokushicilela nokuthumela iitshekhi, amashishini afaka imivuzo ngqo kwiiakhawunti zebhanki zabasebenzi nge-EFT.

Abaqeshi badla ngokusebenza kunye neenkonzo zeqela lesithathu elijongana nezi nkqubo, benika iinkcukacha zentlawulo (okt, ukuba umntu ngamnye uhlawulwa malini kwaye nini) ukuze isistim ikwazi ukuzihoya ngokuzenzekelayo ezinye.

Iidipozithi ezithe ngqo zitshiphu, zikhawuleza, kwaye zikhuselekile kunetshekhi zephepha, kwaye uninzi lwamashishini ngoku asebenzisa i-100% yediphozithi ngqo yokuhlawula.

• Ukusetyenziswa okuqhelekileyo: Iintlawulo, ukubuyiselwa kwerhafu, izibonelelo zokhuseleko loluntu
• Ukukhawuleza: Ngokuqhelekileyo, ngosuku olufanayo okanye usuku olulandelayo

2. Iintlawulo zendlu ezenzekelayo (ACH).

I-ACH, eyenza ngokuzenzekelayo ukuhamba kwemali phakathi kwee-akhawunti zebhanki, ngokuphindaphindiweyo kwiibhetshi, ngumqolo weentengiselwano ze-EFT e-US Kwakhona indlela iidiphozithi ezithe ngqo kunye neentlawulo zebhili zisebenza ngayo, kunye neentlawulo ze-ACH zihlala zihamba ngenethiwekhi elawulwa yi-NACHA kwaye ngokuyinxenye iqhutywa yi-Federal Reserve (ngokungafaniyo nothungelwano lwekhadi letyala eliphethwe ziinkampani zabucala).

Udluliselo lwe-ACH ludla ngokuthatha iintsuku ezimbini ukuya kwezintathu zokusebenza ukuqhubekeka. Zinokubandakanya ikhredithi (ukuthumela imali) okanye idebhithi (ukukhupha imali) iitransekshini. I-ACH isetyenziselwa ngokubanzi ukuthengiselana kwishishini-kwishishini (B2B), ukutsalwa kwemali ngokuthe ngqo, kunye neentlawulo eziphindaphindiweyo, ezifana neebhilidi ezisetyenziswayo okanye ubulungu be-gym.

Qaphela: Ngelixa zonke iintlawulo ze-ACH ziluhlobo lwe-EFT, ayizizo zonke ii-EFT eziziintlawulo ze-ACH.

3. Ukudluliselwa ngocingo

Ngaba ufuna ukuthumela iimali ezinkulu ngokukhawuleza? Ugqithiselo ngocingo yindlela yokuya. Baludlula ulibaziseko ekusetyenzweni kwabo baze bathumele imali ngokuthe ngqo ukusuka kwenye ibhanki ukuya kwenye, ngokufuthi kwiiyure nje ezimbalwa.

Abantu kunye namashishini bahlala besebenzisa utshintshiselwano ngeengcingo kwiintengo ezinkulu ezingeyonxalenye yenkcitho yemihla ngemihla, njengeentlawulo ezingxamisekileyo, zexabiso eliphezulu. Yindlela ekhawulezayo nekhuselekileyo yokuhambisa imali xa iindlela zokuhlawula rhoqo azanelanga.

• Ukusetyenziswa okuqhelekileyo: Iintengiselwano ze-real estate, iintlawulo zamazwe ngamazwe, izivumelwano zoshishino ezinkulu, njl.
• Ukukhawuleza: Usuku olufanayo ( lwasekhaya) kunye neentsuku ezi-1-2 (zamazwe ngamazwe)
• Iindleko: Iintlawulo zivela kwi-USD 15-50 ngentengiselwano nganye

4. Iitransekshini zekhredithi kunye nekhadi lebhanki

Ngalo lonke ixesha uswayipha, ucofa, okanye ufaka ikhadi lakho kwi-intanethi, wenza intlawulo ye-EFT. Inethiwekhi yekhadi iqhuba intengiselwano, ikhupha imali kwibhanki yakho kwaye iyithumele kumrhwebi. Nangona ukwamkela iintlawulo zekhadi kuyimfuneko kumashishini, iimali zokuthengiselana zinokudibanisa ngokukhawuleza.

• Ukusetyenziswa okuqhelekileyo: Ukuthengwa kweevenkile, ukuthenga kwi-intanethi, iintlawulo zokutyela
• Ukukhawuleza: Ngoko nangoko (kodwa ukulungiswa kunokuthatha iintsuku ezi-1-3)

5. Iitshekhi zombane (ii-e-checks)

I-E-checks inokucingelwa njengoguqulelo lwedijithali lokutshekisha iphepha. Esikhundleni sokuthumela itshekhi ebonakalayo, amashishini athumela iintlawulo nge-elektroniki nge-ACH. Nangona kunjalo, kufuneka basebenzise iinombolo zabo zeakhawunti kunye neakhawunti yebhanki ukugqiba intengiselwano. Ukongeza, ii-e-checks zithandwa kwintengiselwano ye-B2B kuba zibonelela ngokhuseleko lwetshekhi zemveli ngaphandle kolibaziseko olubi.

• Ukusetyenziswa okuqhelekileyo: Iintlawulo zeebhili ze-Intanethi, iintlawulo zerenti, ukuhlaliswa kwee-invoyisi
• Ukukhawuleza: Iintsuku ze-1-3 zeentsuku

6. Iintlawulo eziphathwayo (ii-apps ezifana neVenmo, PayPal, kunye neZelle)

Ii-apps zentlawulo zoontanga-to-peer (P2P) ziye zaqhuma ekudumeni kwiminyaka yakutshanje. Amaqonga afana nePayPal, iVenmo, iCash App, kunye neZelle avumela abasebenzisi ukuba bathumele imali ngoko nangoko kwiifowuni zabo, kwaye oku kulungelelwano kuthetha ukuba amashishini amaninzi ayawamkela. Emva kwayo yonke loo nto, ziyakhawuleza, zilungile, kwaye zisetyenziswa ngokubanzi ngabathengi.

• Ukusetyenziswa okuqhelekileyo: Ukwahlula amatyala, ukuhlawula ii-freelancers, kunye nentengiselwano yamashishini amancinci
• Ukukhawuleza: Ngoko nangoko (ukuba ngaphakathi kweqonga elifanayo)

7. Oomatshini abazenzelayo (ATM)

Xa abantu bekhupha okanye befaka imali kwi-ATM, umatshini uhlaziya i-akhawunti yebhanki ngokuzenzekelayo usebenzisa i-EFT. Le nkqubo ivumela abasebenzisi ukulawula imali yabo ngaphandle kokutyelela ibhanki ngokobuqu.

Kutheni iintlawulo ze-EFT zitshintsha umdlalo kumashishini

Kumashishini, ukutshintshela kwiintlawulo ze-EFT akusengombuzo. Nasi isizathu:

• Iintengiselwano eziKhawulezayo: Akusekho kulinda iitshekhi ukuba zicinywe. Iintlawulo zihamba ngempumelelo kwiiyure okanye iintsuku endaweni yeeveki. Khumbula, ngumcimbi wokunika abathengi eyona ndlela ifanelekileyo yokuhlawula.
• Iindleko ezisezantsi: I-EFT iphelisa iindleko ezinxulumene noshicilelo, ukuthunyelwa, kunye nokuhlolwa kwephepha
• Ukuzenzekela kunye nokusebenza kakuhle: Amashishini anokuseta iintlawulo zebhili ezizenzekelayo, ukuhlawula, kunye ne-invoyisi, ukonga ixesha kunye nokunciphisa iimpazamo
• Ukhuseleko olungcono: Akukho zitsheki ezilahlekileyo, akukho ntengiselwano yemali ebuqhetseba, kwaye amashishini ayakonwabela iintlawulo ezifihliweyo, ezinokulandeleka

• Ukuhamba kwemali okuphuculweyo: Amashishini ahlawulwa ngokukhawuleza, aphucula uqoqosho kunye nokuzinza kwezemali

Ingaba amashishini aqhuba ukuhlawula, ahlawule abathengisi, okanye amkele iintlawulo zabathengi, ii-EFTs zenza ukuhamba kwemali kube lula, ngokukhawuleza, kwaye kunokwethenjelwa ngakumbi.

Ukusondeza phezulu

Ukusukela oko ezemali ziye zahamba ngokwedijithali ngokungeniswa koMthetho woThutho lweNgxowa-mali yeKhompyutha ka-1978, amashishini kunye nabathengi baye bathembela ngakumbi kukhutshelo lwengxowa-mali nge-elektroniki ukuze bathumele kwaye bafumane imali ngaphandle komthungo. Namhlanje, imali isebenza kakhulu kwihlabathi ledatha yekhompyuter kunemali ebonakalayo.

Ukusuka kwiidiphozithi ezithe ngqo ukuya kudluliselo lweengcingo ukuya kwiintlawulo eziphathwayo, i-EFT inceda ukugcina uqoqosho lwehlabathi luqhuba ngokwenza intengiselwano ngokukhawuleza, ngokukhuselekileyo, kwaye kulula. Yiyo loo nto ukukhetha indlela yentlawulo ye-EFT efanelekileyo kubaluleke kakhulu, ukwenza lula ulawulo lwemali kwishishini lakho.