Kudlangile ukuqola abathenga ngama-virtual card
YINTATHELI YOMBELE
UKUSIMAMA kobuchwepheshe kusho ukuthi asisekho isidingo sokuthi abantu bahambe bephethe amakhadi asebhange njengoba esetholakala kumaselula nasemawashini.
Phela abantu abanama-banking app bakwazi ukuthenga ngamakhadi abo asocingweni abizwa ngama-virtual card.
UNkk uNerosha Maseti, i-lead ombud for Banking and Credit eNational Financial Ombud (eNFO), uphiko oluxazulula izinkinga zabathengi zasebhange, uthi abantu kufanele bahlale beqaphile.
“Sithole izikhalo eziningi zabantu abasebenzisa amakhadi asocingweni, ezisuke ku-1 436 ngoJanuwari kuya ngoMeyi wangonyaka odlule zaya ku-2 483 ngezinyanga ezifanayo kulo nyaka. Kusho ukuthi zinyuke ngo-73% futhi zidlula izikhalo ngamaqola ama-ATM, zazidlula ngamacala awu-3 350.
Uthi abantu kufanele baqaphele uma bethenga futhi bangakhiphi imininingwane yabo eyimfihlo noma ngabe bethenga online noma ezitolo.
“Ama-virtual card abalulekile ngoba anezokuphepha eziqinile, awalahleki njengamakhadi ajwayelekile kodwa okubi wukuthi nawo ayaqoleka. Ucwaningo lwethu luveza ukuthi amaqola asebenzisa ubuchwepheshe anendlela yokuqola amakhasimende amabhange angaqapheli,” kusho yena.
FUNDA NALAPHA: https://www.umbele.co.za/2025/07/01/babuyiselwe-ur328-million-abathengi-abazi-amalungelo-abo/
Uthi izigebengu zisebenzisa izindlela ezihlukene ukuntshontsha imininingwane yabantu ngokubashayela ucingo zizenze izisebenzi zasebhange noma bezinkampani zezimali ezaziwayo, okubizwa nge-vishing, noma zibathumelele ama-link abafuna imininingwane eyimfihlo, okubizwa nge-phishing, noma zithumele ama-SMS, okwaziwa nge-smishing.
“Amaqola akwazi ukwenza amakhadi awumbombayi azishaya awengempela ukuze aqole abantu. Abantu akufanele banike abanye ama-one-time pin abo (ama-OTP) futhi kufanele bakwazi ukuhlukanisa imiyalezo yangempela yasebhange,” kusho uNkk UMaseti.
Uthi yize amabhange efundisa abantu ngamakhadi obuchwepheshe kodwa kunabantu abangawazi.
Ulinganise ngekhasimende lasebhange elashayelwa ucingo ngamaqola ezenza abasebenzi basebhange, lacelwa imininingwane yalo eyimfihlo, izigebengu zase zikhithiza ngama-virtual card alo izimpahla ezibiza uR500 000.
Leli khasimende lafaka icala ebhange kodwa ibhange langafuna ukulinxephezela. Ladlulisela udaba kwiNFO kodwa ibhange lathi ngeke likwazi ukulinxephezela ngoba bekusetshenziswa ama-virtual card alo, okusho ukuthi yilona elakhipha imvume. Ibhange lazelakhipha ubufakazi baloko.
“Uphenyo lwethu luthole ukuthi ikhasimende elaqolwa yilona eladlulisela yonke imininingwane kumaqolai. Lavuma nokuthi kuthengwe online. Asikwazanga ukuphoqa ibhange ukuthi linxephezele ikhasimende ngoba okwenzeka akulona iphutha lalo,” kusho yena.
Ucele abantu ukuthi bangalokothi banike abantu imininingwane eyimfihlo ngisho abasuke bethi bathunywe yibhange labo. Uma kukhona okusolisayo uthi babikele ibhange ngokushesha.
Amasu okuvikela ama-virtual card:
- Ungalokothi unike abantu imininingwane eyimfihlo okubalwa ama-pin code, ama-OTP nama-password;
- Yenza i-multi-factor authentication, okusho ukuthi i-banking app yakho kufanele ifune i-pin, isithupha nokuthi uveze ubuso;
- Sebenzisa i-internet ephephile, ungahambi ungena kuma-Wi-Fi omphakathi lapho imininingwane yakho ingagcina ithathwa ngabantu;
- Yenza ama-password angajwayelekile okubanzima ukuthi abantu bawakopele bese ungahlale uwashintsha;
- Beka isilinganiso sokuthi awudluli emalini ethile uma uthenga nge-virtual card ukuze abazama ukukuqola bangakugebhuli;
- Ungalokothi ugcine imininingwane yekhadi lakho uma uthenga online, ngaphandle uma kunesidingo esikuphoqayo;
- Ungathuki. Amaqola ayabathanda abantu abatatazelayo, abasabisa ngokuthi ama-akhawunti azovalwa noma kunezigameko zokukhwabanisa ezibonakala kwi-akhawunti bese ecela ukuthi uwanike imininingwane eyimfihlo ukuze akuvikele. Esimweni esinjalo kubalulekile ukuthi uvale ucingo lomuntu othi uyaqolwa bese uthinta ibhange lakho ngokushesha;
- Ungalokothi uciphize ama-link akwi-email noma kwi-SMS. Ukuwavula kungakubeka engcupheni. Ungalinge futhi uvule imiyalezo ongayazi;
- Qaphela ukuthi ibhange lakho lixhumana kanjani nawe ukuze kubelula ukubona imiyalezo yebhange elisuke lithumela ama-OTP.
UNkk uMaseti uthe kubalulekile ukuthi uma usola ukuthi kunokungahambi kahle kwi-akhawunti yakho noma ngamakhadi akho asebhange ulibikele ngokushesha.
Uphethe ngokuthi abalandela zonke izeluleko zakhe kodwa bazithole besenkingeni namabhange kufanele bathinte ihhovisi lakhe uma engabasizi noma bengagculisekile ngezimpendulo abazitholayo. I-NFO isizana mahhala. Itholakala ngokungena ku-nfosa.co.za noma ngokushayela ku-0860-800-900 naku-WhatsApp ikhona ku-066 473 0157.