Izindlela ezingu-7 zebhange ngokusebenzisa i-intanethi zishaya ibhange ngamuntu
Ukubhanka kwe-inthanethi (eyaziwa nangokuthi i-banking ye-intanethi) yindlela yokubhanka esekelwe kuwebhu eyenza amakhasimende asebhange aqedele ukuthengiswa kwebhange lawo nemisebenzi ehlobene kwiwebhusayithi ebhange. Ngokubhalisa njengekhasimende le-intanethi ngebhange lakho (noma ibhange elisha), uzothola ukufinyeleleka ku-intanethi kuzo zonke izinsizakalo ezivame kakhulu ezinikezwa yibhange kumagatsha asendaweni.
Naphezu kokuthandwa kakhudlwana kwebhange / i-inthanethi, akubona wonke umuntu oqiniseka ukuthi kunenzuzo yokwenza ushintsho oluvela ebhange lendabuko egatsheni. Ukukwazisa ngezinzuzo, nansi izizathu eziyisikhombisa eziphakeme ukuthi kungani kufanele ucabange ukunikeza ibhange le-intanethi zama.
1. Kulula
Inzuzo ecacile kakhulu yebhange le-intanethi ilula. Ngokungafani namagatsha asendaweni avulekile phakathi namahora athile osukwini, ibhange le-intanethi lifinyeleleka ngehora noma kunini uma uludinga.
Asikho nesidingo sokuchitha isikhathi sokuya egatsheni lakho lendawo noma ukuma emgqeni ukulinda ithuba lakho lokukhuluma nomtsheleli wasebhange. Uma ubhange ku-intanethi, ungagcina isikhathi esiningi ngokwenza konke kuhlelo lwakho- noma ngabe unemizuzu embalwa nje ukungena ngemvume kuwebhusayithi yebhange lakho bese ukhokhela imali.
2. Ukulawulwa Okuqondile Ngokwezenzo Zakho
Uqala ukuba ngumtsheli wakho webhange uma ibhange liku-intanethi. Uma nje uqonda izinto eziyisisekelo zokusebenzisa iwebhu ukufeza imisebenzi elula, kufanele ukwazi ukuhamba ngewebhusayithi yakho yebhange ngendlela enembile ukuze wenze ukuthengiselana kwakho.
Ngaphezu kokusebenzisa ibhange le-intanethi ngezinkokhelo eziyisisekelo njengezinkokhelo zezinkokhelo nokudluliselwa, ungasebenzisa izinsizakalo eziningi ezengeziwe ongase uzicabange kungenziwa kuphela ngokuvakashela igatsha lakho lendawo. Isibonelo, ukuvula i-akhawunti entsha, ukushintsha uhlobo lwe-akhawunti yakho noma ukufaka ukwandisa kumkhawulo wakho wekhadi lesikweletu kungenziwa konke ku-inthanethi.
3. Ukufinyeleleka Konke Konke Kwenye Indawo Eyodwa
Uma uvakashela ibhange lakho ngomuntu bese uthola umtsheli ukuthi enze yonke ibhange lakho kuwe, awusoze wabona okuningi kunoma yini ebonakalayo kumarisidi wakho. Nokho, nge-banking ye-intanethi, uthola ukubona ukuthi imali yakho ikhona manje, lapho isivele ihamba nalapho kufanele khona.
Amabhange ase-Inthanethi ngokuvamile akunika ukufinyelela kokulandelayo:
- Izilinganiso zamanje ze-akhawunti ngayinye yasebhange onayo kulelo bhange elithile (njengokuhlola nokulondolozwa)
- Izilinganiso zamanje ze-akhawunti ngayinye ebolekayo enayo ebhange elithile (njengezikweletu zamakhadi)
- Umlando wokuthengiswa kwe-Akhawunti
- Ukuthengiswa okulindile
- Zonke izinkokhelo zesikweletu kanye nomlando wokukhokha
4. Imali ephansi yeBhange kanye nezintela eziphezulu
Ukunciphisa izindleko ezisezingeni eliphezulu ezihambisana nemvelo ebonakalayo yebhange le-intanethi kuvumela amabhange ukuthi anikele amakhasimende awo amandla amakhulu okubambisana nabo ku-intanethi. Isibonelo, amanye amabhange awakhokhisi imali ekhokhwayo yama-akhawunti wokulondolozwa kwe-intanethi alondoloza ibhalansi encane.
Ama-akhawunti amaningi okulondolozwa kwe-intanethi kuphela anikeze nezithakazelo eziphakeme kakhulu uma kuqhathaniswa namabhange agcina amagatsha asendaweni. Ungase ufune ukuhlola uhlu lwe-Bankrate lwezinga le-akhawunti yokulondoloza uma unesithakazelo ekusebenziseni amanani entengo ephezulu ngebhange lakho le-intanethi.
5. Izitatimende ezingenamaphepha
Asikho isidingo sokulinda izitatimende zakho zasebhange ukuze ufike e-mail uma uphuma ngaphandle kwezitatimende ezingekho iphepha. Asikho isidingo sokwenza igumbi ekhaya lakho lokugcina ngokomzimba nakho konke okuthengayo okukhona kuwe ku-intanethi.
Amabhange amaningi akuvumela ukuba ubuke ama-e-izitatimende ngezikhathi ezidonshulwa iminyaka eminingana emuva kwesikhathi ngokuchofoza okumbalwa kwegundane lakho. Futhi njengebhonasi eyengeziwe engeyona ebhange ngokuphelele, uzokwenza imvelo ibe nomusa omkhulu ngokusika emuva ukusetshenziswa kwephepha.
6. Izaziso ze-Akhawunti ezenzekelayo
Uma ubhalisa ukuze uthole ama-e-izitatimende esikhundleni sezitatimende zephepha, ibhange lakho cishe lizofaka isaziso sokukwazisa nge-imeyili uma i-e-isitatimende sakho isilungele ukubukwa. Ngaphandle kwezaziso ze-e-isitatimende, ungase futhi usethe izexwayiso zeminye imisebenzi eminingana.
Kufanele ukwazi ukusetha isaziso sokukwazisa ngokulinganisela kwe-akhawunti yakho, ukukutshela ukuthi ngabe i-akhawunti ingenhla noma ngaphansi kwesilinganiso esithile, ukukwazisa uma i-akhawunti yakho ikhishwe imali futhi ikukwazise uma ususondele ufinyelele umkhawulo wakho wesikweletu. Ungakwazi ngisho nokudlulela ngalezi zisekelo ngokubeka izixwayiso zesikhathi sokukhokhwa kwebhilidi kucutshungulwe, uma isheke selikhishiwe, lapho ukuthengiselana kwesikhathi esizayo kukhuphuka nokunye okuningi.
7. Ukuphepha Okuthuthukisiwe
Amabhange athatha ukulondeka kakhulu futhi asebenzise amathuluzi okuphepha amaningi ukugcina imininingwane yakho iphephile. Imininingwane yakho ibhalwe ngekhodi ukuze uyivikele njengoba ihamba phezu kwewebhu, ongayenza ngokubheka i- https: // kanye nesimboli sokuphepha esiphephile kwibha yekheli le-URL yesiphequluli sakho sewebhu.
Uma uba yisisulu sokulahlekelwa ngokuqondile kwezimali ngenxa yomsebenzi we-akhawunti ongagunyaziwe, uzokhokhwa ngokugcwele uma uzisa ibhange lakho ngakho. Ngokusho kwe-FDIC, unezinsuku ezingaba ngu-60 ukukwazisa ibhange lakho lemisebenzi engagunyaziwe ngaphambi kokufaka engozini yemali yamakhasimende angenamkhawulo.
Lapho Udinga Usizo Nge-Banking Yakho Online
Impendulo enkulu kuphela yokubhanka kwe-intanethi ukuthi kungase kube khona ijika lokufunda ukuze uthole i-hang yalo, futhi kungenakho umtsheli webhange noma umphathi ozokuzungezile ukukusiza uma usekhompyutheni yakho ekhaya, uzama ukuthola into ethi ' ukunamathela kuzo kungadabukisa. Ungabhekisela kwikhasi lakho lokusiza lebhange lase-intanethi noma ikhasi le-FAQ noma mhlawumbe ubheke inamba yesevisi yamakhasimende ukuze ucingo uma ukukhishwa kwakho kudinga ukuxazululwa ngokukhuluma ngqo nommeleli webhange.