Ukubuka uhlelo lokusebenza lokukhokha oluthandwayo lweselula
"Nje uVenmo nami." Uke wezwa inkulumo? Uma kungenjalo, kungenzeka ukuthi uzolizwa maduzane. Eyasungulwa ngo-2009, i-Venmo iyinhlangano yeselula evumela abantu ukuthi badlulisele kalula imali phakathi kwabangane nomndeni, kunokuba bavula izikhwama zabo bese bekhipha imali. Kwakungakaze kube ngo-2014, kodwa, lapho i- Android Pay ne-Apple Pay iqala, ukuthi imboni yokukhokha yeselula yaqala ukukhipha. Eqinisweni, uMarketer wabikezela ukuthi kuzoba nabasebenzisi abayizigidi ezingu-50 abakhokha imali e-US ngasekupheleni kuka-2017. Ungaba olandelayo.
Izinkokhelo zamaselula zingabhekisela ezintweni ezintathu: ukukhokhela erejista usebenzisa i-smartphone yakho; usebenzisa uhlelo lokusebenza ukukhokha inthanethi noma ngaphakathi kolunye uhlelo lokusebenza, nokwamukela noma ukuthumela imali ngaphakathi kohlelo lokusebenza lokukhokha. Kungenzeka ukuthi wasebenzisa i-Android noma i-Apple Pay ukuze uthenge kumthengisi, isibonelo, noma udlulisele imali yokuqasha kumuntu ohlala naye noma isabelo sakho kuthebhu yokudlela kumngane noma ilungu lomndeni usebenzisa i-Venmo. Ngisho noma ungayisebenzisi uhlelo lokusebenza lokukhokha mobile njenge-Venmo manje, kungenzeka ukuthi abangani bakho bakhona, futhi ngokushesha noma kamuva bazokuthumela isicelo noma ukukhokha. Landa uhlelo lokusebenza, futhi uzothola imali yakho. (Ukuphikiswa akuyize!)
I-Venmo ngokuqinisekile ilula, futhi inikeza imboni ukuphepha okujwayelekile, kepha, njenganoma yiluphi uhlelo lokusebenza noma isofthiwe ephathelene nezezimali, akusilo iqiniso.
Ungayisebenzisa kanjani i-Venmo?
Ngokuvamile, ungasebenzisa i-Venmo ngezindlela ezimbili ezahlukene:
- Buyisela abangani nomndeni izindleko ezabiwe
- Imikhiqizo yokuthenga noma amasevisi avela kubalingani be-Venmo
Izibonelo zendlela ongayisebenzisa ngayo i-Venmo zihlanganisa:
- Kuthumela umuntu ohlala naye isabelo sakho serenti
- Icela ukwabelana komngani wakho kwethebhu yebha
- Ukukhokha ukuthatha okunikeziwe okuvela kuhlelo lokusebenza lokudla oluhlanganiswe noVenmo
- Ezinye izinkokhelo ezingekho zebhizinisi nabantu obaziyo nabathembayo
Kungakhathaliseki ukuthi usebenzise i-Venmo, qala ngokuxhumanisa i-akhawunti yakho yasebhange noma i-debit noma ikhadi lesikweletu, bese usheshe uthumele futhi uthole izinkokhelo noma noma ubani omaziyo osebenzisa uhlelo lokusebenza. Ungathumela futhi izinkokhelo kanye nezicelo kubangewona abasebenzisi, abese bezobe besetshenziselwa ukubhalisa. Uzokwaziswa uma ubhalisile, kodwa-ke, uma kungenjalo, kuzodingeka uqoqe noma uthumele imali ngendlela ehlukile. (Ukuqala kokutholwa akulula.)
Uma uqala ukubhalisa, umkhawulo wakho wokuthumela uyi-$ 299.99. Uma usuqinisekisile ngempumelelo ubunikazi bakho ngokunikeza amadijithi amane wokugcina we-SSN yakho, ikhodi yakho ye-zip, nosuku lokuzalwa, uzokwazi ukuthumela ku-$ 2,999.99 ngesonto. I-Venmo ikhululekile uma uthumela imali kusuka ku-akhawunti yakho yasebhange, ikhadi le-debit noma ibhalansi ye-Venmo. Uma uthumela imali usebenzisa ikhadi lesikweletu, uVenmo uphawula imali yentengo yamaphesenti amathathu. Azikho izimali zokuthola imali noma ukusebenzisa i-Venmo ukuze zithengwe kuzinhlelo zokusebenza.
Uma usemisiwe, ungasebenzisa i-Venmo cishe nganoma iyiphi indlela oyithandayo: ukhokhele umngane emuva kokudla, thumela umakhelwane wakho isabelo sakho sebhayisikili yekhebula, noma ucele izinkokhelo ezivela kubangani noma emndenini we-Airbnb noma i-HomeAway eqashisayo. Qinisekisa ukusebenzisa kuphela i-Venmo nabantu obaziyo nabathembayo. Ngenkathi i-PayPal ingenayo inkampani, ayihlinzeki ngokuvikela okufanayo. Ngakho-ke uma uthengisa okuthile ku-Craigslist noma ku-eBay (noma noma yikuphi okuthengiswayo) kumuntu ongakaze uhlangane naye, kungcono ukuthi ungasebenzisi i-Venmo ngokuthengiselana. Namathela ku-PayPal, i-Google Wallet, noma ezinye izinsizakalo ezinikezela ukuvikelwa ekuhlakalweni futhi zingakusiza ezimweni zokungakhokhi. Sizoya eminye imininingwane kulokhu kusigaba esilandelayo.
Ungakwazi futhi ukuxhuma i-akhawunti yakho ye-Venmo ukuze uhlanganyele nezinhlelo zokusebenza ezifana ne-Delivery.com ne-White Castle. Khona-ke ungasebenzisa i-Venmo ukukhokha ukuthenga usebenzisa lezo zinhlelo zokusebenza, futhi ngisho nokuhlukanisa izikweletu zokuhamba kwekhofi, ukudla, noma ezinye izindleko ezabiwe. Amabhizinisi weselula angafaka i-Venmo njengenketho yokukhokha ekuphumeni, njengokungathi usuvele ukhokhe nge-Android Pay, i-Apple Pay, i-Google Wallet, ne-PayPal, ngaphezu kokufaka ikhadi lesikweletu.
I-Venmo ibuye ibe nezindaba zokuxhumana nabantu, okuyikhetho. Ungenza ukuthengwa kwakho kube ngumphakathi, usakaze kwinethiwekhi yakho yabangane be-Venmo, abangayithanda futhi babeke amazwana kuwo. Ungakwazi futhi ukubhalisela i-Venmo usebenzisa iziqinisekiso zakho ze-Facebook, okukuvumela ukuthi uthole abangane abasebenzisa ipulatifomu yokukhokha yeselula. Sincoma ukuthi sihlale siqaphele ukuthi isabelo sakho kuma-social media, ikakhulu uma kuziwa ezimali nokuthenga okukhulu. Njengoba kufana nokuthi ukusakaza izinhlelo zakho zokuvakasha kungamema kanjani abakwa-burglars, ngakho-ke ungaziqhayisa ngokuthenga kwakho kwe-TV entsha noma ibhayisikili.
Izingozi Zokusebenzisa i-Venmo ngezinkokhelo zamaselula
I-Venmo isebenzisa ngokuzenzakalelayo ukuqinisekiswa kwe-multifactor uma usebenzisa uhlelo lokusebenza kusuka kudivayisi entsha, okusiza ukuvimbela ukungena okungagunyaziwe ku-akhawunti yakho. Ungase futhi wengeze ikhodi yephini yokuphepha okwengeziwe. Ngenkathi isilingo sokusebenzisa okukhethwa kukho mahhala bese uxhuma iVenmo ekhadini lakho lokudonswa noma i-akhawunti yasebhange, okusho ukuthi uma uthola ukuhlaselwa, imali iphuma ku-akhawunti yakho ngesikhathi sangempela. Ukukuxhumanisa ngekhadi lesikweletu akugcini nje ukuthenga isikhathi kodwa kungase kuhlinzeke ukuvikelwa ekukhokheni amacala okukhwabanisa. Inketho yamahhala ayiyona into engcono kakhulu.
Yiqiniso, kukhona izingozi ezihilelekile ekusebenziseni iVenmo kubandakanya:
- Ukuhlaziya uma uxhumana nabantu abangabazi, kufaka phakathi izimangalo zamanga nokuthengiselana okushintshiwe
- Okungekho ukukhokha kusuka kwazizihambi ngemikhiqizo noma amathikithi owathengisile futhi uthunyelwe kuwo
- Ukuntuleka komthengi nomthengisi ukuvikelwa ezimweni zokukhwabanisa noma ukungakhokhi
- Ukuphulwa kokuphepha nokuthengiselana okukhohlisayo ku-akhawunti yakho
Kukhona indlela elula yokugwema izingozi ezintathu zokuqala, ngenhla: ungakhulumi nabantu abangabazi. Asikwazi ukugcizelela ukuthi kubaluleke kangakanani ukusebenzisa i-Venmo kuphela nabantu obaziyo nabathembayo. Ukuthola imali kubantu abangabazi kungakubeka engozini ngezindlela ezimbalwa. Kufanele uqaphele ukuthi abasebenzisi bangakwazi ukuguqula ukuthengiselana ku-Venmo. Ukuguquka kungenzeka ngenxa yesizathu esingenacala; mhlawumbe umsebenzisi uthumele ukukhokhelwa kumsebenzisi ongalungile noma uthumele inani elingalungile. Noma kunjalo, i-scammer ingafakela isimangalo samanga neVenmo noma isebenzise ikhadi lesikweletu noma le-debit elibanjwe ukuze livuselele ukukhokha. Uma ibhange lithola ukukhwabanisa, ungahle ulandelwe ukukhokha imali.
Kubalulekile ukuqonda ukuthi ngenkathi ukwamukela izinkokhelo kuVenmo kubonakala sengathi kuyisimo esisodwa; kuthatha izinsuku ezimbalwa ukucubungula. Empeleni, iVenmo ikubole okwesikhashana kuze kube yilapho ibhange lisula ukuthengiselana. Kufana nokuthi uma ufaka isheke, noma ngabe ungakwazi ukufinyelela izimali ngokushesha, akucaci izinsuku ezimbalwa. Uma isheke lihlaba, ibhange lakho lizosusa izimali ezivela ku-akhawunti yakho, noma ngabe zingamaviki noma amasonto kamuva.
Enye indlela yokwehlisa isitifiketi ingasebenzisa lokhu kubambezeleka ngokunikela ukukhokha into oyithengayo ku-Craigslist, uthi, usebenzisa i-Venmo. Bese-ke, bazokuthumelela ukukhokha, futhi uma sebevele bathole izimpahla, bazoyiqeda, futhi bayanyamalala. Ngokungafani ne-PayPal, inkampani yomzali wayo, i-Venmo ayinikezi ukuthenga noma ukuvikelwa komdayisi. Ngamafuphi, ungasebenzisi i-Venmo nabantu abangabazi; bamba ngesiteji esivikela ukukhwabanisa kanje. Futhi noma ngabe uyamazi umuntu osebenzelana naye, qiniseka ukuthi ungumuntu ozoziboleka imali noma impahla.
Ukuze ugcine i-akhawunti yakho iphephile ekuthengisweni okukhohlisayo, shintsha iphasiwedi yakho njalo futhi ungasebenzisi iphasiwedi oyisebenzisayo kwenye i-akhawunti. Engeza ikhodi yephini ku-akhawunti yakho futhi uhlole ukuthengiselana kwakho ngokucophelela njengoba ungathanda isitatimende sebhange noma ikhadi lesikweletu. Bika izimo zokukhwabanisa kuVenmo kanye nebhange lakho elixhunyiwe noma i-akhawunti yekhadi lesikweletu ngokushesha. Ukusebenzisa konke lokhu kuzogcina i-akhawunti yakho-futhi imali yakho iphephile.