Qaphela amaqola angakwenzi umnyuzi wemali – umeluleki
INTATHELI YOMBELE
NJENGOBA kudlange ukungabibikho kwemisebenzi, iNingizimu Afrika ibhekene nokubhebhetheka komkhuba wamaqola asebenzisa abantu abaswele nentsha. Loku sekwenze kwanda “kwama-akhawunti eminyuzi”, ubuqola bokuthi izigilamkhuba zishushumbise imali zizifihlile.
I-National Financial Ombud Scheme ike yabika ukuthi ukuvala ama-akhawunti obuqola athinta iminyuzi kunyuke ngamacala awu-300 ngonyaka odlule, okulinganiselwa ku-8% wamacala abikiwe.
Inhloko yomnyango olwa nokukhwabanisa i-Fraud Operations, Client Experience and Risk Execution eStandard Bank uMnu uMarius le Roux uthe: “Ukukhwabanisa kuyaqhubeka nokubhebhetheka ngamandla kanti izibalo zikhombisa ukuthi ukusebenzisa iminyuzi akuyona into engavamile kodwa kuhambisana namanye amacala obugebengu bemali”
FUNDA NALAPHA: Kudlangile ukuqola abathenga ngama-virtual card
Wengeze ngokuthi nakuba amabhange eqhubeka nokuqinisa izindlela zokusebenza nokwandisa imikhankaso yokufundisa amakhasimende kodwa lobu bugebengu buyakhathaza ngoba busebenzisa abantu abangazi, abaphaphama sekonakele.
“Ubuqola bokusebenzisa iminyuzi buyaphucuka futhi buhlelekile. Imali entshontshiwe idlula kuma-akhawunti namabhenki amaningi, okwenza kubelukhuni ukuyilandela nokuyibamba ngesikhathi yenzeka.”
Yini umnyuzi wemali? Umnyuzi wemali wumuntu othwalela amaqola imali imvamisa nge-akhawunti yakhe noma ye-cryptocurrency. Abanye abantu bakwenza bazi loku kanti abanye basuke bengazi. Imvamisa amaqola ayabalutha ukuze athole imininingwane yabo yasebhange noma ukuthi bawavulele ama-akhawunti.
Nazi izindlela ezijwayelekile zokwenza abantu iminyuzi yemali:
1) Bakhangisa imisebenzi, umuntu ethola imali bese umuntu eyithumela bese ethola okuncane.
2) Bakuthinta kuma-app noma ezinkundleni zokuxhumana bakuthembise inzuzo evela kwi-cryptocurrency bese becela ukuthi ubadlulisele imali noma i-cryptocurrency.
3) Bakuthumela imali “ngephutha” bese becela ukuthi uyibuyise kodwa uyifake kwenye i-akhawunti.
4) Umuntu omaziyo ucela ukusebenzisa i-akhawunti yakho, imvamisa athi eyakhe inenkinga noma akuthembise imali.
Lezi ngezinye zezindlela ezijwayelekile kodwa kunezinye ezisetshenziswa ngamaqola. Ezinye izindlela okufanele uzigade wumuntu okuthembisa imali ukuze umdlulisele imali nge-akhawunti yakho, ucelwa ukuthi uvule i-akhawunti entsha “yomsebenzi”, ucelwa ukuthi unikwe bese uyidlulisa, umuntu okucelayo akucaci ukuthi yini inkinga nge-akhawunti yakhe futhi ukucela ungatsheli muntu, ukucela ukuthi ungalazisi ibhange lakho ngemali ongayilindele noma umuntu acele ukuthenga i-akhawunti yakho ye-crypto.
Ukubawumnyuzi wemali, ngisho ungazi, kuyingozi enkulu. I-akhawunti yakho yasebhenki ingavalwa, ungaphenywa noma uvalelwe ngaphandle embonini yezimali.
Qaphela lobu buqola. Uma ucelwa, ungabaniki imininingwane yakho yasebhange noma ubathumele imali futhi thinta ibhange lakho ngokushesha.