‘Xwayani amaqola acuthela abathenga online’

INTATHELI YOMBELE

UKWANDA kwezindlela zokuthenga online okufaka ukudilivelwa izimpahla, ukufuna imoto ezokuhambisa endaweni ethile, ukufuna ama-video nezinye izinto ozikhokhela usekhaya, sekuvulele amaqola ithuba.

Ucwaningo lweStandard Bank luthi kunabantu abenza izikhangiso eziheha abathenga online. Loku kubabeka engcupheni yokuqolwa ngohlobo lokukhwabanisa olubizwa nge-card-not-present (i-CNP) olusetshenziswa amaqola. 

Inhloko ye-Fraud and Risk Management eStandard Bank u-Adv Athaly Khan ithi: “Njengoba banda abantu abathenga online, amabhange athole ukuthi kunezigebengu eziqola abantu zisebenzisa ubuchwepheshe.” 

Uchaze i-CNP njengohlobo lobugebengu obenza ukuthi amaqola akwazi ukuthatha imininingwane yomuntu noma zingaliphethe ngesandla ikhadi lakhe. 

“Ukukhwabanisa esikubiza nge-CNP kwenzeka lapho izigebengu zintshontsha imininingwane yabantu abayisebenzisa uma bethenga online. Zifike zibheke intuba ezingangena ngayo lapho umuntu ethenga bese zintshontsha izinombolo zakhe zekhadi, ukuthi liphelelwa yisikhathi  nini nezimbolo ezintathu ezikulelo khadi kuphela ezaziwa ngokuthi yi-card verification value,” kusho yena. 

FUNDA NALAPHA: https://www.umbele.co.za/2021/10/15/i-standard-bank-ithi-isibalo-sabantu-abakhetha-ukuba-nama-virtual-card-sikhule-ngamandla-kusukela-ngo-2020-leli-bhange-lithi-lesi-sibalo-sikhulu-ngo-400-kunangonyaka-odlule-kanti-lithe-isibalo-sabant/
Uthe loku kukhwabanisa kwenziwa ngezikhangiso ezithushuka lapho umuntu ethenga online, kungenzeka uma ethenga ukudla, efuna imoto ezomlanda noma esezinkundleni zokuxhumana. Amaqola afaka ubuchwepheshe bazo obuntshontsha imininingwane eyimfihlo yomuntu ngesikhathi ethenga. 

Uthi kwesinye isikhathi zakha ne-website yomkokotelo lapho umuntu ezozitshela ukuthi ungena esitolo asijwayele esi-online kanti usefaka imininingwane yakhe kwi-website yezigebengu.

“Kunezikhangiso zomgunyathi ezikhangisa amabhanoyi, izinhlelo zokulonda imali eziwumbombayi nokunye okuhlose ukuqola abantu. Lezi zikhangiso zixhaswe ngemali entshontshwa kusetshenziswa imininingwane eyebiwe emakhadini abantu,” kusho u-Adv uKhan. 

Uthe izinkundla zokuxhumana ezifuna abantu bakhokhele izikhangiso online zisengozini ngoba zenza kubelula ukuthi amaqola asebenzise imininingwane eyebiwe emakhadini abantu. 

Amaqola abuye asebenzise izindlela zokucwaninga zezimanje okubalwa i-Google search engine ewakhombisa ukuthi abantu basuke befunani online. Asebenzisa lolu lwazi ukuqhamuka nezikhangisombumbulu zokubaqola. 

Uthi uma ubukade ufuna into ethile online bese uthola isikhangiso esithi ciphiza i-link noma ucele bakushayele “abakhangisayo”. Loku uthi kusuke sekuwukudoba umuntu ukuze aqolwe.

Uzivikela kanjani?

• Sebenzisa ama-app ezitolo ezigunyaziwe njengeGoogle Pay noma i-Apple App Store; 
• Hlala ulungisa ama-app akho ukuqinisekisa ukuthi anobuchwephese obusha bokuvikela;
• Gwema ukusebenzisa imininingwane yakho yekhadi kuma-app ngaphandle uma kunesidingo. Sebenzisa izindlela zokukhokha ezivikelwe njengePayPal noma i-Apple Pay; 
• Bhekisisa i-Uniform Resource Locator, i-URL yekhasi oyalelwa ukungena kulona. Qinisekisa ukuthi yikhasi elisemthethweni (bheka i-https nophawu lwengidi); 
• Qaphela izikhangiso ezinemikhiqizo ebukeka ikhanga kakhulu noma engakholakali;
• Qinisekisa ukuthi une–two-factor authentication kuma-akhawunti akho ukuze uvikeleke kakhulu; 
• Sebenzisa ithuluzi lokuvimba izikhangiso ezithushukayo elisemthethweni futhi elaziwayo;
• Ungalokothi uciphize izikhangiso ezithushukayo nama-link avela ezindaweni ezingathembekile. Bhala i-URL ye-website kwi-browser yakho; 
• Qinisekisa ukuthi ubuchwepheshe obubona izigebengu online i-anti virus buhlale busebenza kahle.

Njengoba ukukhwabanisa online lushintsha sekusebenza ne-artificial intelligence, iStandard Bank sinxusa amakhasimende aso ukuthi ahlale eqaphile, avikele imininingwane yawo yasebhange futhi angalokothi akhiphe imininingwane yawo eyimfihlo. 

Angalokothi anike abantu amakhadi awo futhi angavumi ukukhipha imininingwane yawo eyimfihlo ethinta amakhadi nokubhenka ezinkundleni zokuxhumana, ezingcingweni nakwezinye izindawo ezingathembekile.

I-Standard Bank iluleka amakhasimende ukuthi asebenzise i-card feature kwi-banking app yawo ukugunyaza ukuthenga noma ukuvimba ukuthenga izimpahla. Iphethe ngokuthi uma into ingakholakali yingoba vele ayikho.