Ukuzulazula Amathrendi Okukhiqiza: Amasu Okuphumelela Kwebhizinisi e-US, UK nase-Australia

Kule minyaka eyishumi edlule, amabhizinisi kulo lonke elase-United States, e-United Kingdom nase-Australia abhekane nezinselele zokukhiqiza eziqhubekayo ezihambisana nokungaqiniseki kwezomnotho, izinguquko ezisheshayo zobuchwepheshe kanye nokushintshashintsha kwezindawo zokusebenza, okusheshiswe izehlakalo zomhlaba wonke njengobhubhane lwe-COVID-19. Idatha yakamuva igcizelela leli qiniso: Ukukhiqiza kwezabasebenzi e-United Kingdom kwehle kancane ngo-0.1% unyaka nonyaka, kanti ukukhiqizwa kwezabasebenzi e-Australia kwehle ngo-0.8% kwikota kaJuni 2024.

Ukuze uphumelele kule ndawo, ukuqonda lezi zinguquko zokukhiqiza kubalulekile emabhizinisini. Ukubona lezi zindlela kuvumela amafemu ukuthi aphendule ngokuqhubekayo futhi asebenzise amasu okunciphisa imiphumela emibi futhi asebenzise amathuba angaba khona. Njengoba isimo somnotho womhlaba siguquka, amandla amabhizinisi okuzulazula futhi aphendule lezi zinselele zokukhiqiza azobaluleka ekukhuleni okusimeme kanye nokuqina. 

Kuyini ukukhiqiza? 

Ukukhiqiza kukala ukusebenza kahle kwezinsiza ezifana nabasebenzi nemali esetshenziswayo ukuze kukhiqizwe izimpahla namasevisi, kuhlola ukuthi okokufaka kuguqulwa kanjani kube yimiphumela ngokuhamba kwesikhathi. Isibonelo, ukukhiqizwa kwezabasebenzi kungakalwa ngamayunithi akhiqizwa ngehora ngalinye lomsebenzi, kuyilapho ukukhiqizwa kwemali enkulu kuhlola umphumela osuka ekutshalweni kwezimali kwezobuchwepheshe namathuluzi. 

Kungani ukukhiqiza kubalulekile 

Okwezomnotho 

Ngale kwamabhizinisi ngamanye, ukukhiqiza kuyinkomba ewumgogodla yempilo yezomnotho, enomthelela ekukhuleni, amaholo namazinga okuphila. Ukukhiqiza okuphezulu kwenza ezomnotho zikhiqize okuningi ngezinsiza ezifanayo noma ezimbalwa, ekugcineni kukhuphule inzuzo futhi kubhebhezele isidingo sabasebenzi abanamakhono. Lokhu kukhula kugqugquzela ukukhushulwa kwamaholo futhi kuthuthukisa namazinga okuphila, kugcizelela indima eyinhloko yokukhiqiza emnothweni ophumelelayo. 

Ngamabhizinisi 

Umthelela wokukhiqiza udlulela ekusebenzeni kahle kwebhizinisi, ukwenza inzuzo kanye nokuma kokuncintisana, okunomthelela ngqo ekhonweni lalo lokuthuthukisa ukusetshenziswa kwezinsiza nokusabela ezinguqukweni zemakethe. 

• Ukusebenza kahle kwebhizinisi: Ukukhiqiza okuthuthukisiwe kuqondisa izinqubo futhi kukhulisa izinsiza. Isibonelo, amafemu okubonisana akhulisa izinzuzo zokukhiqiza ngokuphathwa kwephrojekthi okuthuthukisiwe nobuchwepheshe obusheshisa ukulethwa kwezinsizakalo. 
• Inzuzo: Ukukhiqiza okukhulayo kunciphisa izindleko zokufakwayo, kukhulisa ama-margins. Amafemu ezezimali nezama-accounting asebenzisa amathuluzi agxile ekukhiqizeni ukuze aphathe ngempumelelo amaphothifoliyo amaklayenti amakhulu ngokunemba okuphezulu, asekela inzuzo ngokungenelela okwenziwa ngesandla. 
• Ukuncintisana: Ezimakethe ezincintisanayo, ukukhiqiza kuvumela amafemu ukuthi ahlukanise ngokunikeza izinsizakalo eziphakeme ngezindleko eziphansi. Izinkampani zokubonisana ezaziwa ngokuletha iphrojekthi ngokushesha kanye nokwaneliseka okuphezulu kwamakhasimende zingathwebula isabelo semakethe esengeziwe futhi kuqinise isithunzi sazo.

Amathrendi wokukhiqiza alithinta kanjani isu lebhizinisi? 

Izindlela zokukhiqiza ezivelayo kusukela ngenhlekelele yezimali yomhlaba (i-GFC) futhi zaqiniswa yi-COVID-19 sethule izingqimba ezintsha zobunzima kumabhizinisi. Ukuze uzulazule futhi uzuze kulawa mandla, amafemu adinga ukubhekana nezinselelo zombili zokukhiqiza zesikhathi esifushane nezesikhathi eside.

Esikhathini esifushane, ukuguquguquka kungase kuholele ekuvimbeleni ukusebenza kanye nezingcindezi zezindleko ezibeka engcupheni ukwaneliseka kwamakhasimende. Ngokuhamba kwesikhathi, ukwehla kokukhiqiza okuqhubekayo kungase kuphoqe amafemu ukuthi acabange kabusha amasu azo, andise ukutshalwa kwezimali kwezobuchwepheshe kanye nokwenyuswa kwamakhono abasebenzi ukuze bakhe ukuqina. 

Izinselele zokukhiqiza ze-Post-GFC

Njengoba amafemu elwela ukusimamisa umkhiqizo emnothweni womhlaba oshintshashintshayo, ukuqonda umsuka wezitayela zokukhiqiza zanamuhla kubalulekile. Amaphethini aqala ukusebenza ngemva kokuba i-GFC iqhubekile nokubumba ukukhiqiza, ebeka izinselele eziqhubekayo emnothweni njenge-United States, United Kingdom kanye ne-Australia. 

Le minotho ibibhekene nokukhula kokukhiqiza okumile ngemuva kwe-GFC, okube nomthelela omkhulu kumafemu athembele ekusetshenzisweni kwezinsiza ngendlela efanele ukuze kugcinwe ukuncintisana.

I-united states

E-United States, ukwehla kwezinga lokukhula komkhiqizo wabasebenzi kwabonakala ngokusobala njengoba izinga lokukhula lonyaka lehla lisuka esilinganisweni cishe esingu-2.2% ekuqaleni kwawo-2000 laya ku-0.9% kusukela ngo-2010 kuya ku-2019. zande kakhulu. 

i-United Kingdom

I-United Kingdom ibhekane nephazili yayo yokukhiqiza, nokukhula kokukhiqiza kuntengantenga ku-0.3% nje ngonyaka kusukela ngo-2008 kuya ku-2019. I-GFC icindezele kakhulu umkhakha wezezimali, insika yomnotho wase-UK, okube nesandla ekudonseni ukukhiqiza isikhathi eside. Ukutshalwa kwezimali kancane emikhakheni ebalulekile njengengqalasizinda namakhono okusebenza kuye kwabhebhethekisa lolu daba. 

Australia

Isimo sase-Australia sibonisa amaphethini ase-United Kingdom nase-United States kodwa iletha izinselele eziyingqayizivele phambili. Ngemuva kwe-GFC, i-Australia yazulazula ekuvuseleleni umnotho, igxile ekukhuthazeni imikhakha eyahlukene ngezinyathelo zezimali. Noma kunjalo, ukukhula kokukhiqiza kwakungalingani, okugqamisa ukuthembela ezimayini. Nakuba lisebenza esikhathini esifushane, lelisu ligcizelele ubungozi bokuncika emkhakheni owodwa futhi lakhomba esidingweni sokuhlukahluka.

Ijubane lokwamukelwa kwezobuchwepheshe lahluka kakhulu phakathi kwemikhakha, okube nomthelela ngokungagwemeki izitayela zokukhiqiza. Izinsizakalo zezezimali nezobungcweti zasheshe zahlanganisa ubuchwepheshe obusha bedijithali, kodwa imikhakha efana neyokukhiqiza yayihamba kancane ekwamukeleni intuthuko yedijithali, okunomthelela ekukhiqizweni kokukhiqiza.

Umthelela wokukhiqiza we-COVID-19

Ngenkathi umnotho ubuvele ubhekene nokuntenga kokukhiqiza eminyakeni eyalandela i-GFC, ubhubhane lwe-COVID-19 lwethule izingqimba ezintsha zobunzima. Ukushintshela emsebenzini okude kube nomthelela osheshayo ekukhiqizeni kulo lonke elase-Australia, e-United Kingdom nase-United States. Ekuqaleni, lolu shintsho lwabangela ukwehla kokukhiqiza njengoba amabhizinisi nabasebenzi bezulazula kubuchwepheshe obusha futhi bejwayelana nezimo zokusebenza ezisekelwe ekhaya.

Lolu shintsho luphinde lwembula umehluko omkhulu ekukhiqizweni kwabasebenzi emikhakheni eyahlukene. Izimboni ezidinga ukuba khona ngokomzimba, njengokungenisa izihambi nezitolo, zihlangabezane nokudilizwa okunzima. Ngokuphambene, imikhakha esekwe kusevisi iningi ikwazile ukugcina noma yandise umkhiqizo wayo, inyakazisa ukukhiqiza.

Njengoba amafemu enciphisa izindawo zamahhovisi futhi enciphisa izindleko zokuphatha, athola inzuzo ngokungazi ngokugcina imiphumela enezisebenzi ezimbalwa. Noma kunjalo, njengoba imingcele yobhubhane iyancipha, ingcindezi yokwehla kwamandla emali yakhula, kunciphisa amandla amafemu okukhulisa ukusebenza ngempumelelo. Lokhu kuthambekela, kuhambisana nenselelo yokuphatha ukwanda kwabasebenzi ngemuva kokuvinjelwa, kuholele ekuwohlokeni, ikakhulukazi e-Australia nase-United States.

Anjani amathrendi okukhiqiza alolonga amasu emboni?

Njengoba uthuli oluvela ku-COVID-19 luya lufika, imikhakha efana nokubonisana, ukubalwa kwezimali kanye nezinsizakalo zezezimali zihlela kabusha amasu azo ukuze azivumelanise nezimo zokukhiqiza. Umkhakha ngamunye ubhekane nalezi zinselele ngendlela ehlukile, wahlanganisa ubuchwepheshe obusha futhi ulungisa amamodeli okusebenza ukuze uthuthukise ukuqina nokusebenza kahle kwawo.

Izinsizakalo Zokubonisana 

Umthelela wezitayela zokukhiqiza ezinsizeni zokubonisana emhlabeni jikelele ubalulekile. Ukuthuthuka kwezobuchwepheshe kuye kwavumela amafemu ezokuxhumana ukuba athuthukise ukusebenza kahle ngokuzenzela imisebenzi evamile, kusetshenziswa amathuluzi okuphatha amaphrojekthi ayinkimbinkimbi futhi asebenzise izibalo zokuhlaziya idatha. Lolu shintsho luvumele abaxhumanisi ukuthi bagxile emisebenzini enenani eliphezulu, beqinisa amandla amafemu okuphatha amaphrojekthi ayinkimbinkimbi.

Ukwamukelwa kwezinhlelo zokusebenza ezikude nezixubene ngemuva kobhubhane kungenye inkambiso ebalulekile yokukhiqiza enomthelela emkhakheni wezokuxoxisana, okubonisa ukushintshela ezindaweni zokusebenza eziguquguqukayo, ezihlukaniselwe. Le ndlela ithuthukisa ukufinyelela kwethalente elibanzi kuyilapho ikhuthaza ukuguquguquka nokwaneliseka komsebenzi, okubalulekile ekuthuthukiseni amazinga okugcina abantu kanye nokunciphisa izindleko ezihlobene nokuqeqeshwa kabusha. Isibonelo, abasebenzi abangakwazi ukwenza umsebenzi wabo noma kuphi banethuba eliphindwe ka-2.3 lokuhlala nenkampani yabo. Noma kunjalo, amafemu okubonisana aye adinga ukulinganisa lezi zindlela kanye nezinzuzo zokuxhumanisa komuntu mathupha nokusebenzisana emahhovisi ukuze kugcinwe ukukhiqiza nokugwema ukutubeka kwezisebenzi ngenxa yokusebenza amahora afiphele ekhaya.

Njengoba amafemu okubonisana abheke ukuthuthukisa ukukhiqiza, okulindelwe ngamakhasimende kuye kwavela ukuze kufuneke ngokushesha futhi kube nezinsizakalo zokubonisana ezifanelana nakakhudlwana, okuphoqa amafemu ukuthi azivumelanise nezimo ngokucwenga imisebenzi yawo ukuze aphendule kakhulu futhi enze ngokwezifiso. Ngokuphendula, amafemu asebenzisa idatha enkulu kanye nokuhlaziya okuthuthukile ukuze enze izinqumo ezinolwazi, zamasu ezihambisana eduze nezidingo zamaklayenti.

Amathiphu empumelelo 

• Siza amaklayenti abone izithiyo zokuhamba komsebenzi: Ngokwenza ukuhlola okuphelele kokuhamba komsebenzi kwamakhasimende, abeluleki bangakhomba izindawo lapho izinqubo zehlisa ijubane noma lapho imisebenzi eyenziwa ngesandla ivimbela ukukhiqiza. Ukunikeza izincomo ezisebenzisekayo ukuze wenze kube lula lokhu kugeleza komsebenzi, njengokwenza lula amaketanga okugunyaza noma ukwenza ngokuzenzakalelayo imisebenzi yokuphatha eyisisekelo, kwenza amaklayenti akwazi ukugxila emisebenzini yawo eyinhloko futhi aphendule ngokushesha ezidingweni zemakethe, kuthuthukise ukuhamba kwawo nokusebenza nokwaneliseka. 
• Nikeza ngezinsizakalo ezingakala, ezimodulayo: Ukuklama amaphakheji wokubonisana ahlinzeka ngamazinga ahlukahlukene okuzibandakanya kuvumela amaklayenti ukuthi afinyelele ukwesekwa okwengeziwe lapho izidingo zokukhiqiza zikhuphuka. Lokhu kungase kuhlanganise ukunikeza izinsizakalo ezengezo ezifana nokwesekwa kwesikhashana kokuphathwa kwephrojekthi noma izinkundla zokucobelelana ngolwazi ezihlosiwe ngezikhathi ezidingeka kakhulu. Le modeli eguquguqukayo isiza amaklayenti ukuthi abhekane nezinselele zokukhiqiza njengoba zivela ngaphandle kokulungisa wonke amasu awo. 
• Ukusebenzisana kwephrojekthi: Ukudala amahabhu okwabelana ngolwazi lwangaphakathi noma amaqembu aqondene nomsebenzi othile angasekela amaphrojekthi amaklayenti amaningi ngesikhathi esisodwa kunciphisa isikhathi sokusetha nesokuxhumanisa sokuzibandakanya okusha ngakunye. Ngokukhuthaza indlela yokusebenzisana phakathi kwabeluleki, amafemu angasabela ngokushesha ezidingweni zamakhasimende, anciphise izikhathi zokuhola amaphrojekthi futhi aqinisekise ukuthi abaxhumanisi bachitha isikhathi sabo emsebenzini wokwengeza inani, konke kuyilapho begcina ukusebenza kahle kukho konke ukusebenzelana.

Izinsizakalo ze-Accounting 

Ngokuhamba kweminyaka, umkhakha wezezimali ubonise ukuthuthuka ekukhiqizeni, njengoba kuboniswa ngokwenyusa imali engenayo ngomsebenzi ngamunye kulo lonke elaseMelika, e-Australia nase-United Kingdom. Lokhu kuthuthukiswa kungase kubangelwe kakhulu ekugxilweni kwamasu ekudidiyelweni kobuchwepheshe kanye nempumelelo yokusebenza, okuye kwashintsha izinsiza ezinikezwayo.

Okubalulekile kulolu shintsho ukwamukelwa okusabalele kwesoftware yokuphatha ukubalwa kwezimali, eye yathuthukisa ukukhiqiza ngokusekela izindawo zokusebenza ezikude nokuthuthukisa ukuhamba komsebenzi. Ukwenyuka kwesidingo sezinsiza ezihlukene phakathi kwemakethe encintisana ngokwandayo nakho kukhuthaza indlela egxile kakhulu kumakhasimende.

Ukwamukelwa kwesoftware yokubalwa kwezimali okusekelwe efwini kuye kwashintsha umdlalo, kukhulula isikhathi esibalulekile sokuba ababhali bama-akhawunti bagxile ekuletheni izinsizakalo ezingeziwe njengezeluleko zebhizinisi, okubone ukwanda kwesidingo sangemva kobhubhane. Isibonelo, i-BDO UK yethule inkundla evikelekile ekhiqizayo ye-AI ebizwa ngokuthi i-Personas njengengxenye yokutshalwa kwezimali kwayo okuqhubekayo ekusungulweni kwedijithali. Ngokusebenzisa amamodeli akamuva e-GPT-4, i-Personas isethelwe ukwenza lula imisebenzi yansuku zonke, ivumele abasebenzi ukuthi bagxile kakhulu ekunikezeni izeluleko eziyinkimbinkimbi, zamasu ezidingwa amakhasimende namabhizinisi.

Amafemu amabhuku ezimali ase-Australia asebenzise lolu shintsho ukuze akhuphule isilinganiso sazo se-IVA/yemali engenayo sisuka ku-62.3% ngo-2019-20 saya ku-64.0% ngo-2024-25. Lokhu kukhuphuka kubonisa ukugxila kwabo kwamasu ekunikezeni izinsizakalo zenani eliphezulu ngokusabela ezidingweni zamakhasimende, njengoba imali engenayo ngomsebenzi ngamunye yehle okwesikhashana ngesikhathi esifanayo. Lokhu kwehla kwemali engenayo ngomsebenzi ngamunye kukhombisa ukuthi amafemu amabhuku ezimali aqhubekile nokuqasha abasebenzi abengeziwe ngalesi sikhathi soshintsho ukuze zisebenzise lezi zinguquko ngempumelelo.

Amafemu amabhuku ezimali e-United Kingdom nase-United States abonise izitayela ezahlukene uma kuqhathaniswa nozakwabo base-Australia. Isici esiphawulekayo kulezi zifunda ukushoda kwamakhono okuqhubekayo, okubhebhethekiswa isidingo esikhulu sezinsizakalo zokubala. Lokhu kushoda kugqugquzele amafemu amabhuku ezimali ukuthi anyuse amanani, akhuphule imali engenayo ngomsebenzi ngamunye futhi akhuthaze ukugxila ekutshalweni kwezimali esikhundleni sokwanda kwenani labasebenzi.

Amafemu aya ngokuya engena kubuchwepheshe obuyindida njengokuhlaziya idatha enkulu namathuluzi ezishintshayo, abhekana nezikhala zabasebenzi ngokunciphisa ukuthembela emsebenzini wezandla. Nakuba la maqhinga ekhuphule ngempumelelo imali engenayo ngomsebenzi ngamunye, ngesikhathi esifanayo aholele ekwehleni kwezilinganiso ze-IVA/imali engenayo phakathi neminyaka emihlanu kuze kube ngu-2024-25. 

Amathiphu empumelelo

• Izinqubo eziphumelelayo zokuvala izimali: Amakhasimende amaningi abhekana nezinkinga zesikhathi kanye nengcindezi ekupheleni kwesikhathi ngasinye sezimali. Ama-accountant angasiza ngokweluleka ngezinqubo zokuvala ezilula ezinciphisa ukungena mathupha, ukuhlanganisa imisebenzi nokwenza lula ukubuyisana. Ngokusiza amakhasimende ukuthi asebenzise izindlela ezisondelene ezisebenza kahle kakhudlwana, amafemu ezimali awenza akwazi ukuzuza ukubika okusheshayo, okunembe kakhudlwana, okubuye kusekele ukukhiqiza kwawo kanye nokwenza izinqumo. 
• Ukusekela ukuphathwa kwemali engenayo: Izinselele zokuhamba kwemali ngokuvamile zingaphazamisa ukukhiqiza kwamaklayenti, ikakhulukazi ngezikhathi zokuqoqwa kwemali engenayo kancane noma izinkokhelo eziphezulu eziphumayo. Abagcini bamabhuku ezimali bangangeza inani ngokusetha izibikezelo ezihlelekile zokugeleza kwemali kanye nokweluleka ngamasu okuhlelwa kwesabelomali avumela amaklayenti ukuba alindele futhi alawule izidingo ze-liquidity ngempumelelo. Le ndlela yokwenza izinto ivumela amaklayenti ukuthi alondoloze ukusebenza okuzinzile ngaphandle kweziphazamiso, aqondanise ukuzinza kwezezimali nokukhiqiza.
• Ukuphathwa kwedokhumenti okuzenzakalelayo: Ngaphakathi kwefemu, ukumisa uhlelo lokuphatha amadokhumenti oluphakathi nendawo, oluzenzakalelayo lunganciphisa isikhathi esichithwa ukubuyisa, ukwabelana kanye nokugcina kungobo yomlando amarekhodi abalulekile amaklayenti. Lokhu kuthuthukiswa kwenhlangano kuthuthukisa ukukhiqiza kweqembu, kuvumela ukusebenzisana kwamaklayenti okushelelayo futhi kuqinisekise ukuthi ababalisi banolwazi abaludingayo lapho beludinga, kunciphisa ukubambezeleka kanye nokuthuthukisa ikhwalithi yesevisi iyonke.

Izinsizakalo zezezimali 

Kuyo yonke imikhakha yezinsizakalo zezezimali e-United States, e-United Kingdom nase-Australia, amafemu agxila ekukhiqizweni kwezabasebenzi nasekukhiqizeni izinto eziningi. Isifunda ngasinye sisebenzisa izinyathelo zamasu ezihlanganisa intuthuko yezobuchwepheshe, ukuthobela imithetho kanye nabasebenzi abanamakhono, nakuba ngezindlela ezihlukile eziklanyelwe isimo sabo sezomnotho. Isibonelo, u-JP Morgan Chase & Co, enabasebenzi abaningi, wayesebenzisa amahora angu-360,000 ngonyaka ukwenza imisebenzi evamile efana nokutolika izivumelwano zemalimboleko. Uhlelo lwe-COIN (Contract Intelligence) manje luqeda le misebenzi ngemizuzwana kusetshenziswa isistimu yokufunda yomshini. Lokhu okusha kuthuthukisa ukukhiqiza futhi kunciphisa amaphutha.

Ukusetshenziswa kobuchwepheshe obuthuthukisiwe obufana ne-AI, i-blockchain kanye nokuhlaziywa kwedatha kuqhubekisele phambili ukukhiqiza e-United States, kusetha ibhentshimakhi yokuzenzakalela nokusebenza kahle okukhulisa ukukhiqiza ngokuqondile. Lo mkhuba wokwamukelwa kobuchwepheshe uboniswa e-Australia, lapho ukubhanga ngedijithali kanye nokuzenzakalela kukhulise kakhulu amandla okusingatha ukuthengiselana nokusebenzisana kwamakhasimende ngaphandle kokukhuphuka okulinganayo kokufakwayo kwabasebenzi.

Naphezu kokubhekana nokuntenga kokukhiqiza ngenxa yokungaqiniseki kwemakethe okuhlobene ne-Brexit, umkhakha wezezimali wase-UK wamukela ubuchwepheshe obufanayo. Amafemu ase-UK aya ngokuya ephendukela ekusungulweni kwe-fintech kanye noshintsho lwedijithali ukuvala igebe lokukhiqiza ne-United States. Ngaphandle kwalezi zinselelo, i-City of London Corporation ihlonza izinsizakalo zezezimali nezomsebenzi njengenye yezimboni ezikhiqiza kakhulu ngaphakathi kwe-United Kingdom ngo-2023.

Isimo sokulawula siphinde sibe nomthelela endleleni yesifunda ngasinye yokuthuthukisa ukukhiqiza. I-Australia ithuthuke kakhulu ekusebenziseni ubuchwepheshe bokulawula (i-RegTech) ukuze iqondise izinqubo zokuthobela imithetho. Ngokuphambene, amafemu ezezimali ase-United Kingdom aphinda ahlaziya amasu azo okuthobela i-Brexit, aphendukela ezixazululweni zobuchwepheshe ezingaphatha imithetho eguqukayo.

Ukuthuthukiswa kwabasebenzi kubalulekile kuzo zontathu izifunda, kugxile ekufundeni okuqhubekayo kanye nokwakhiwa kwamakhono ukuze uhambisane nobuchwepheshe. Kukhona futhi ukuthambekela okuqinile ekwakheni abasebenzi abanekhono ekwenzeni izinqumo okuqhutshwa idatha, ukuhlanganisa izibalo namakhono ezezimali ukuze kusekelwe amazinga aphezulu okukhiqiza.

Amathiphu empumelelo 

• Ukuphatha ngesikhathi sokuntengantenga kwemakethe: Ukuntengantenga kwezimakethe kungakhinyabeza ukuhamba kwemali kwamaklayenti futhi kuphazamise izindleko ezihleliwe, kukhinyabeze ukukhiqiza kwawo. Abahlinzeki besevisi yezezimali bangasiza amakhasimende ngokuwasiza ukuthi ahlele izinhlelo zezezimali ezivumelana nezimo noma imigqa yezikweletu ehlinzeka ngemali yezimali ngezikhathi ezingazinzile. Lokhu kusekelwa kwenza amaklayenti akwazi ukugcina imisebenzi isebenza kahle ngaphandle kokulahlekelwa kokukhiqiza okuvela ezikhaleni zokuthola imali. 
• Izixazululo zokuthobelana nokubika: Izimfuno zokulawula zivame ukuqondisa kabusha izinsiza zamaklayenti, zicekela phansi ukukhiqiza ngokudonsela ukunaka kwabasebenzi kude nemisebenzi ebalulekile. Abeluleki bezezimali bangathuthukisa ukukhiqiza kwamakhasimende ngokunikeza izixazululo zokuthobela ezihambisanayo eziqondisa ukubika, zenze ukugcwalisa okujwayelekile ngokuzenzakalela futhi baqinisekise ukuthi amaklayenti angakwazi ukuhlangabezana nezimfuneko zokulawula ngempumelelo. Lokhu kukhulula isikhathi seklayenti, okubavumela ukuthi baphinde bagxile ekukhiqizeni kokusebenza. 
• Amathuluzi wokuhamba nokusebenza ngokubambisana: Amafemu ezezimali angathuthukisa ngokuqondile ukukhiqiza kwawo ngokusebenzisa ukugeleza komsebenzi okuzenzakalelayo kanye namathuluzi okubambisana esikhathi sangempela enza kube lula ukusebenzelana kweqembu futhi anciphise imisebenzi yokuphatha. Ngokwenza imisebenzi ibe lula ngaphakathi, amafemu angasabela ezidingweni zamaklayenti ngokushesha nangokunemba okukhulu, akhuthaze ukwethenjwa kwamakhasimende nokwaneliseka. 

Umthombo ovela I-IBISWorld

Umshwana wokuzihlangula: Ulwazi olubekwe ngenhla lunikezwa ibisworld.com ngaphandle kwe-Chovm.com. I-Chovm.com ayenzi izethulo namawaranti mayelana nekhwalithi nokuthembeka komdayisi nemikhiqizo. I-Chovm.com iyazilahla ngokusobala noma yisiphi isibopho sokwephulwa kwelungelo lobunikazi lokuqukethwe.