Sebenzisa uDityaniso lweDatha yoMthengi ukunyusa intengiso

Kwimeko yeshishini lanamhlanje, ukudityaniswa kwedatha yabathengi (CDI) kuya kubaluleke ngakumbi, kuqhutywa lugxininiso lokwenziwa kwezigqibo eziqhutywa yidatha kumashishini. Ngexesha elifanayo, ngokunikezelwa kwedatha eqokelelweyo ngoku, kuye kwaba ngumngeni kumashishini ukugcina umkhondo wolwazi lwabathengi kunye nokugcina imbono yangoku yabathengi babo. 

Ukudityaniswa kwedatha yabathengi kunceda umbutho ngalo mngeni ngokugcina idatha yabathengi ukusuka kumajelo amaninzi kulo lonke nangaphakathi kwenkampani. Akuyomfihlo ukuba idatha engacwangciswanga inokuchaphazela kakubi imisebenzi yenkampani. Esona sabelo sibalulekileyo sokudityaniswa kwedatha yabathengi ke ngoko kukudala umbono omanyeneyo womthengi owenza ukuba imibutho iqonde kwaye ikhonze ngcono abathengi bayo, iphucule amava omthengi kunye nokugcinwa.

Eli nqaku liza kuxubusha ukuba yintoni ukuhlanganiswa kwedatha yabathengi, kwaye igxininise inzuzo yayo. Iya kuphinda yalathe iintlobo ezahlukeneyo zokudityaniswa kwedatha yabathengi ezinokusetyenziswa, kunye nemithetho emithathu ebalulekileyo ekufuneka unamathele kuyo ukwenza uninzi lweCDI.

Isiqulatho
Yintoni ukuhlanganiswa kwedatha yabathengi?
Izibonelelo zokudityaniswa kwedatha yabathengi
Iintlobo zokudityaniswa kwedatha yabathengi
Imithetho emithathu yokudibanisa idatha yomthengi
isiphelo

Yintoni ukuhlanganiswa kwedatha yabathengi?

Ukudityaniswa kwedatha yoMthengi kuqokelela, ukudibanisa, ukucacisa kunye nokulawula idatha yabathengi kwimithombo eyahlukeneyo kunye nangaphakathi kumasebe ombutho ukujonga umthengi ngamnye ngokuchanekileyo. Ukuhambisa amava omntu kunye namaphulo okuthengisa ekujoliswe kuwo ahambelana nabantu ngokusekelwe kwiimfuno zabo, izimbo kunye nezinto abazithandayo, amashishini asebenzisa i-CDI. Ngenxa yoko, i-CDI idlala indima ebalulekileyo ekuphuculeni iinkqubo zoshishino nokwenza ukwabelana ngolwazi olungcono phakathi kwamasebe.

Le rekhodi iveliswa ngokuqokelela kunye nokudibanisa idatha yabathengi kwimithombo emininzi, kubandakanywa neenkcukacha zoqhagamshelwano, idatha yokuxatyiswa kwabathengi kunye nolwazi oluqokelelwe ngokusebenzisana okufana nokuthengiselana kwe-intanethi, ukusebenzisana kwefowuni, imidiya yoluntu, kunye nokuthengwa kweevenkile.

Izibonelelo zokudityaniswa kwedatha yabathengi

1. Amava omthengi aphuculweyo 

Ukomelezwa kwamava omthengi yenye yeenzuzo eziphambili zeCDI. Ukudibanisa idatha yabathengi kukuvumela ukuba uphande ukuziphatha kwabathengi ngeendlela ezahlukeneyo: imbali yabo yokuthenga, izinto abazithandayo, ukuziphatha, kunye nokunxibelelana neshishini.

Oku kuvumela amashishini ukuba abe nombono we-360-degree kubathengi bawo. Ngalo mbono udityanisiweyo womthengi, amashishini anokwenza amava omntu ngamnye ajongana neemfuno kunye nezinto ezikhethwa ngumthengi ngamnye.

2. Ukusebenza kakuhle

I-CDI inokuphucula ukusebenza kakuhle kunye nokusebenza kakuhle ngokunciphisa ixesha kunye nomzamo ofunekayo wokulawula idatha yabathengi. I-CDI iqinisekisa ukuba idatha yomthengi ichanekile kwaye isexesheni kuzo zonke iinkqubo, ukunciphisa iimpazamo kunye nokungangqinelani. Oku kunceda abasebenzi ngokukhawuleza nangokuchanekileyo ukuphendula imibuzo yabathengi, ukuphucula ukwaneliseka kwabathengi kunye nokugcinwa.

Ngokufikelela kwiprofayile yomthengi epheleleyo, amashishini anokuchonga ngokukhawuleza kwaye asombulule imiba yabathengi, efana neziphene zemveliso, ukulibaziseka kokuthumela, okanye iimpazamo zokuhlawula.

3. Iinzame eziphuculweyo zentengiso nentengiso 

I-CDI inceda amashishini enze awo imiyalezo yokuthengisa esebenza ngakumbi, eqinisekisa ukuba bayahlangabezana neemfuno zomthengi kunye nezinto abazithandayo. Ngombono we-360-degree yomthengi, amashishini anokwahlula isiseko sabathengi bawo kwaye enze imikhankaso yokuthengisa ejoliswe kuyo ehambelana necandelo ngalinye labathengi. Umzekelo, amashishini anokusebenzisa idatha yabathengi ukucebisa iimveliso okanye iinkonzo ezifanelekileyo kumthengi, ukunikezela ngentengiso eyenzelwe umntu okanye izaphulelo, kwaye alungelelanise amajelo onxibelelwano kunye nokuthumela imiyalezo ngokusekwe kwindlela yonxibelelwano ekhethwa ngumthengi, ekwandiseni imizamo yokuthengisa kunye nentengiso.

4. Uqhekeza izisele 

I-silos yedatha inokuba yingxaki ukuba iinkampani aziyaphuli idatha eqokelelweyo kwaye zinike ukufikelela kwiqela lezentengiso. Oku kunokulimaza isicwangciso sokuthengisa. Umzekelo osebenzayo kuxa umthengi enenkxalabo malunga neenkonzo zakho kunye nemveliso. Eyona nto imbi kakhulu enokuthi yenzeke kukuthumela ii-imeyile zentengiso yabathengi. I-CDI iya kukuvumela ukuba unqumame ii-imeyile zentengiso de uyisombulule imiba, ngaloo ndlela iphucula ukugcinwa kwabathengi.

Iintlobo zokudityaniswa kwedatha yabathengi 

1. Ukusasazwa kwedatha 

Ukusasazwa kwedatha luhlobo lweCDI olubandakanya ukuthumela kunye nokwabelana ngedatha yabathengi ukusuka kwelinye isebe ukuya kwelinye ukugcina ukuchaneka kuyo yonke inkampani.

Ngokudibanisa kunye nokuhlalutya le datha, amashishini anokufumana ulwazi oluxabisekileyo malunga nokuziphatha kwabathengi babo kunye nezinto abazikhethayo, ezikhokelela kwizicwangciso ezisebenzayo zokuthengisa kunye neentengiso.

Umzekelo osebenzayo kulapho abathengi benza ukuthenga kwi-intanethi. Ngalo lonke ixesha ukuthengwa kuthengwa, idatha eyingcaciso yabo yoqhagamshelwano (umz. igama kunye nenombolo), imbali yokuthenga, i-demographics, idilesi, i-imeyile, iinkcukacha ze-odolo njl., ithunyelwa kwiwebhusayithi kwi-database yomthengi.

Idatha idityanisiwe kwaye ihlalutyelwe ukulungelelanisa-ukwenza amaphulo okuthengisa okujoliswe kuwo ngokuthanda komntu ngamnye, intengiso, izinto azithandayo kunye nezinto azikhethayo.

2. I-Business-to-Business (B2B) Indibaniselwano

I-B2B (i-Business-to-business) ukuhlanganiswa kwedatha yabathengi kubandakanya ukudibanisa kunye nokwenza ngokuzenzekelayo iinkqubo kunye nokusetyenziswa kweenkqubo zoshishino phakathi kwemibutho emibini okanye ngaphezulu ukunyusa utshintshiselwano oluzenzekelayo kunye nokulungelelaniswa kwedatha kunye nolwazi.

Ukudityaniswa kwe-B2B kubaluleke kakhulu kumashishini axhomekeke kwidatha yabathengi ukubonelela ngeenkonzo zomntu kunye namava. Ngokudibanisa idatha yabo yabathengi kunye namaqabane abo kunye nababoneleli, amashishini anokufumana umbono opheleleyo wabathengi bawo kunye nokuphucula amandla abo okuhambisa ukuthengisa okujoliswe kuyo kunye okusebenzayo kunye nenkonzo yabathengi.

Abavelisi banokudibanisa idatha yabathengi kunye nedatha yababoneleli ukuqinisekisa iimpendulo ezifanelekileyo kwiimfuno zabathengi kunye nokulawula uluhlu lwempahla. Ngokwabelana ngedatha ye-odolo efana nembali yoku-odola kunye nokuthanda kwabathengi, banokwandisa uluhlu lweempahla, banciphise ixesha lokuvelisa, kwaye baqinisekise ukuhanjiswa kwexesha. 

Amashishini kunye nee-arhente zentengiso zinokubelana ngedatha ukunyusa amaphulo okuthengisa ekujoliswe kuwo. Ngokwabelana ngedemografi yabathengi, imbali ye-odolo, kunye nokuziphatha kwewebhusayithi, umthengisi kunye ne-arhente yokuthengisa inokudala imikhankaso yokuthengisa eyenzelwe umntu kunye nezibonelelo ezihambelana nabathengi kwaye, ngokulandelayo, zinyuse ukuthengisa.

3. Ukuhlanganiswa kwedatha ngesandla

Ukudityaniswa kwedatha yomthengi okwenziwa ngesandla kubhekisa kwinkqubo yokuqokelela ngesandla, ukulungelelanisa kunye nokufaka idatha yomthengi kwisiseko sedatha esisembindini. Ukudityaniswa ngesandla kufana nokubeka iphazili isiqwenga ngesiqwenga, apho isiqwenga ngasinye sinokuqonda okuthatyathwe kumthengi, njengembali yokuthenga, umsebenzi wemidiya yoluntu, unxibelelwano lwewebhusayithi, igama, iinkcukacha zoqhagamshelwano, kunye nezinto ezikhethwayo, kunye nokulungelelanisa oku kumbono omnye, obanzi womthengi.

Ngokuqokelela kunye nokuhlalutya idatha yabathengi, unokuqonda kangcono abathengi bakho, ulungelelanise imizamo yakho yokuthengisa kwiimfuno zabo kwaye ekugqibeleni uphucule umgca wakho ophantsi.

4. Ukudityaniswa kwedatha 

Ukudityaniswa kwedatha ekudityanisweni kwedatha yabathengi kubandakanya ukuqokelela yonke idatha efanelekileyo kwimithombo emininzi, ukuyimanya kunye nokuzigcina kwindawo ephakathi (kwindawo yokugcina idatha).

Ulwazi oluthe saa olugcinwe kwiindawo ezahlukeneyo lulwazi oluxabisekileyo olungasetyenziswanga ngokwaneleyo. Ukudityaniswa kwedatha kukuvumela ukuba ube nelo qhekeza lephazili lipheleleyo apho unokuchonga iipateni kunye nentsingiselo enokuthi ingaqatshelwa. Oku kuqonda okupheleleyo kudala imikhankaso yokuthengisa esebenzayo ngakumbi, ukuphucula iinkonzo ezingcono kwaye, ngokuqinisekileyo, ukunyusa ukuthengisa. Isetyenziswa rhoqo xa ufuna ukufumana ukuqonda okupheleleyo nokuchanekileyo kubathengi kwaye wenze isigqibo esiqhutywa yidatha.

5. Ukuhlanganiswa kwedatha yexesha langempela

Ukuhlanganiswa kwedatha yexesha langempela ngumtshintshi wemidlalo yanamhlanje, evumela amashishini ithuba lokuhlala phambi kokhuphiswano.

Ukudityaniswa kwedatha yabathengi bexesha lokwenyani kuvumela amashishini ukuba abambe kwaye ahlalutye idatha kumajelo eendaba ezentlalo yabathengi, iwebhusayithi, ukhetho lweempendulo kunye neemfuno njengoko zisenzeka. Singakwazi ukulinganisa ngokukhululekileyo ukudityaniswa kwedatha yexesha lokwenyani kunye nomncedisi wakho onokuthi aqokelele kwaye alungelelanise yonke idatha yomthengi wakho ngexesha lokwenyani, ukuze wenze ngokukhawuleza nangokufanelekileyo izigqibo eziqhutywa yidatha.

Ngokuqokelela le datha ngexesha lokwenyani, amashishini anokuchonga iintsingiselo kunye neepateni, enze amava omthengi abe ngowakho, kwaye aphucule amaqhinga okuthengisa ngokubhabha.

Makhe sijonge umzekelo osebenzayo: Khawufane ucinge ukuba unevenkile yempahla, kwaye umthengi uthumela umyalezo ku-Instagram malunga namava abo ngevenkile yakho. Ngokudityaniswa kwedatha yexesha langempela, unokusombulula ngokukhawuleza nawuphi na umba ngexesha. Enye inzuzo kukuba ishishini linokuqokelela kwaye lihlalutye idatha evela kubathengi abajonga indlela yokuziphatha, imbali yokuthenga, kunye nezinto abazithandayo kwaye bacebise ngoko nangoko iimveliso ezihambelana neemfuno zabo kunye nomdla wabo. 

Imithetho emithathu yokudibanisa idatha yomthengi

1. Musa ukwenza inkunkuma enkulu yedatha

Musa ukudibanisa idatha eninzi kunokuba ufuna. Chaza iimfuno zakho zedatha kwaye ukhethe izinto zedatha ezibalulekileyo ukuhlangabezana neemfuno zedatha. Gxininisa kwezona zinto zibalulekileyo zedatha kwiimfuno zeshishini lakho. Oku kuya kukunceda ukuba uphephe ukwenza ubugqwirha bedata enkulu.

2. Hlola idatha yakho rhoqo

Qinisekisa ukuba idatha ihlaziywa rhoqo ukuqinisekisa ukuba ihlala isebenza kakuhle kwaye ichanekile. Uphicotho rhoqo lunokunceda ukubona ukungangqinelani kunye neengxaki zomgangatho wedatha kwaye zizisombulule ngaphambi kokuba zibe ziingxaki ezibalulekileyo.

3. Yabela "umphathi wedatha."

Kwi-CDI, kubalulekile ukuba kubekho umntu omnye omiselweyo olawula inkqubo yedatha. Umphathi wedatha kufuneka aqonde inkqubo yokudibanisa idatha kwaye akwazi ukuhambisa ingqiqo yayo ngokufanelekileyo kunye nawo onke amaqela afanelekileyo.

"Umphathi wedatha" ufuna igunya lokugqiba malunga nokudibanisa idatha kunye nezibonelelo. Oku kuya kuqinisekisa ukuba inkqubo ihamba kakuhle.

isiphelo

Ukuqukumbela, ukudityaniswa kwedatha yabathengi yinxalenye ebalulekileyo yesicwangciso sakho solawulo lwedatha kunye nanamhlanje ulawulo oludibene nabathengi. Ngendawo esembindini yedatha yexabiso, kunokuba lula ukwenza izigqibo eziyimpumelelo, ukuvumela imibutho ukuba ihlale ikhuphisana.

Isicwangciso esiphumeleleyo se-CDI sinikezela ngamava omntu kunye namaphulo okuthengisa ajoliswe kuwo alungiselelwe abathengi ngabanye, anokunceda ukwandisa ukunyaniseka kwabathengi kunye nokugcinwa, ukunyusa ukuthengisa. Amashishini kufuneka athathe ithuba loku iqhinga elisebenzayo ukuze bakhulise ukukhula kwabo kunye nengeniso.