Banking - a amasevisi ebhenki akude. "Iklayenti-Bank" uhlelo

Banking - uhlobo elula nezanamuhla inkonzo, okuyinto isifakwe ngempumelelo ku umkhuba nge-credit izikhungo. Kodwa lokho ungathola lesi simiso? Ngutiphi tinsita ani? Ingabe lena indlela enhle ukusebenza? Kanjani I ukuxhuma lesi simiso, ikhasimende? Ngiyaqonda konke lokhu empeleni akunzima kangako. Vele ukwazi ezinye izici ukuphathwa, kanye namasevisi kwenethiwekhi. Ungacabangi ukuthi yasebhange kuphela kungenzeka ngaphakathi ezweni elifanayo. Lolu hlelo seyenziwe ngempumelelo emhlabeni wonke, kuhlanganise eRussia.

incazelo

Ngakho, kuyini yasebhange? Lolu hlelo yasebhange abethimba, eyenziwa ngaphandle kwamahhovisi. Okungukuthi, zonke izakhamuzi unelungelo ukusizakala izipesheli bezinkampani zezimali ngaphandle zokuvakashelwa.

Ngokuvamile yasebhange iyatholakala kulabo kakade unayo amaklayenti kwenhlangano. Ukuze abantu, kungenzeka lokhu okungcono Ukuphathwa kwesevisi inketho. Kuyasiza nje kuphela ukunikeza lula ukuze amakhasimende nabasebenzi, kodwa kubuye kube imisebenzi yokuphepha. Manje Esimeni esinjalo ukuhlinzekwa kwezinsizakalo ukuqaliswa isenzo iphoqa amakhasimende ukuba kudlule uchungechunge izinyathelo ukuhlonza umuntu. Ngaphandle kwalokho, asinakuba ngempumelelo ukusebenzisa ukusebenza kohlelo.

izinhlobo

Banking - yasebhange iyisevisi okwenziwa ukude. Asikwazi abasho izinto ezinjalo igama elisha e ukuhlinzekwa kwemisebenzi ethile. Amaklayenti ezifana isinqumo kuyadingeka ukunambitha. Ziyakwazi ukutadisha iziphakamiso lenkampani, kanzima ukudinga izisebenzi izinhlangano zezimali kanye nokuqalisa yimuphi umsebenzi ohlongozwayo ukuphila nganoma isiphi isikhathi ngaphandle kosizo. Banking lihlukile. Okwamanje, engatholakala:

• I-Web yasebhange (ikhomputha);
• Isevisi mobile;
• ATM-yasebhange;
• SMS-Banking;
• PC yasebhange.

Zonke lezi zindlela Ziyathakazelisa. Futhi ungakwazi ukuwasebenzisa kahle ngaphandle kwezinkinga. Njengoba umkhuba ubonisa, yasebhange isikhungo sezezimali atholakale kumakhasimende zonke izinhlobo ngaphambili efakwe ohlwini. Umuntu ngamunye indlela akhetha ukuthola isondlo akude.

imisebenzi

Yiqiniso, zikhona imisebenzi ethile yasebhange. Kakade, ukungabondli yonke imisebenzi ezingase zithathwe ukude. Ngakho-ke, sanquma ukwaba okufanayo nokulawula injongo izinhlelo. Manje, ungakwazi ngokuvamile ukuthola amasevisi alandelayo:

• ukuvulwa / lokuvala imali;
• ukuthola i kula-akhawunti yasebhange;
• ukuthatha ngesikweletu / imalimboleko;
• ukuthola imininingwane mayelana nohlelo olusebenzisayo;
• ukubhalisa imali;
• ukukhiqizwa amakhadi asebhange (credit, debit);
• ukuqaliswa Ukudluliselwa zangaphakathi phakathi kwama-akhawunti;
• ukudluliselwa emkhatsini amabhange ezahlukene;
• ukuguqulwa amathuluzi.

Kodwa akugcini lapho. Internet Banking abantu ngabanye (nezinye yesondlo akude) kuyasiza ngoba ikuvumela ukuba ukhokhele ukuthengwa, mobile zokuxhumana kanye Umbuso izikweletu. Into esemqoka - ukwazi ukuthi kwenziwa kanjani. Ngokuvamile lutho nzima ngalo. Vele ukhethe ezifanele phakathi imisebenzi ehlongozwayo.

"Iklayenti-Bank"

Ngokuvamile, zikhona izinhlelo eziningi sokuphatha yasebhange imisebenzi. okufushane kakhulu ethandwa kakhulu "Iklayenti-Bank". Ukuze sikwazi ukuletha imibono ekuphileni, kumele ube ikhompyutha ne-inthanethi.

On iklayenti PC efakwe isofthiwe ekhethekile. Umakhiwo lonke ulwazi mayelana nezinsiza kanye isimo akhawunti womuntu. Nganoma yisiphi isikhathi, ungakwazi ukuxhuma nge-Internet ukuze ebhange. Izikhungo kuyasiza ngokushesha ukuthola ulwazi kanye nezinsizakalo. It ikuvumela ukuba wenze izinkokhelo futhi sokuba kukhishwe isitatimende.

Futhi kukhona simiso "I-Internet-Client". Kulokhu, akukho kwesicelo liyadingeka. Kunalokho, usebenzisa isiphequluli kanye inkampani indawo ezezimali ekhethekile, okusho ezilawula imisebenzi. kahle kakhulu futhi yesimanje indlela ukulungiswa amasevisi.

"Ucingo-Client"

yasebhange Remote singenzeka ngokusebenzisa "Telephone-Client" uhlelo. Akunzima ukuqagela, lapha kuwusizo kuwe yeselula. Yaqala isicelo esikhethekile, esiza kusebenze amasevisi.

Futhi, Insizakalo ye-SMS-Banking likhona "Ifoni amaklayenti". Ngo izixazululo eziningi ezifana samuntu ukhonza ngokuyinhloko ukuthola imininingwane mayelana nohlelo olusebenzisayo, kanye remittances.

Kufanele ngokushesha kuqashelwe ukuthi ngamunye isikhungo sezezimali izinhlelo zazo zokusebenza. Ngakho uma iklayenti amabhange eziningana, ngocingo elawulwa kude, zama ukusebenzisa inkampani eyodwa kuphela, lowo ozizwa impumelelo. Ezinye izindaba zika-web-yasebhange kuyafaneleka ngaphezulu. Futhi ngokuvamile, lona wamuva uyawuthanda funa enkulu khona phakathi kwabantu.

ngaphambi kokusebenzisa

Banking - isimiso self-service. Futhi impela ungudadewethu bayindlala kakhulu phakathi kwabantu. Ungakwazi, njengoba sekuphawuliwe kakade, iyodwa futhi ngaphandle zokuvakashelwa ehhovisi ibhange ukuthola cishe kunoma iyiphi isevisi. Kwanele ukwazi ukuthi bahumushe imibono ku-senzo.

Sicela uqaphele ukuthi ngaphambi kokusebenzisa amasevisi ebhenki akude, kuzomele uqale uthole 'Banking Client. " Ukuze wenze lokhu, kudingeka babhalise ohlelweni. Kuyinto e lomfula siqu. Futhi iqiniso lokuthi wena ikhasimende lenhlangano yezezimali, akusho ukuthi wena sebavele babhalisiwe. Ngokuvamile, kufanele uqale ukumemezela sabo ukusebenzisa amasevisi ebhenki. Abasebenzi isikhungo sakho sezimali sikunike igama lomsebenzisi nephasiwedi, bese bakutshele kuphi isofthiwe ukufaka isicelo. Ngokwesibonelo, "VTB 24" 'Client-Bank "ingalandwa mahhala ezihlukahlukene ezitolo futhi elula (mhlawumbe pre-ihlolwe) amasayithi. Ngendlela efanayo, like zonke izikhungo zezimali eRussia.

ATM-Banking

Kufanele sinake uhlelo ATM-yasebhange. Akukhona kuvame kakhulu, kodwa kukhona nokho lwesigameko esisebenzayo. Kulokhu, amasevisi ebhenki akude ayozithola ngokugcwele ngokusebenzisa i-ATM noma lokukhokha esibulalayo.

Njengoba ungase ukuqagela, wena kudingeka ukuba noma ebhange plastic, noma nje imali. Ungenza imisebenzi nge-akhawunti yokukhokhela amasevisi Umbuso izikweletu, ashona ibhalansi iselula. Isici esiphawulekayo-ATM uhlelo wukuthi izakhamuzi nethuba ukuhoxisa ukheshi nge plastic. Kuyinto lesi sici ATM bodumo.

Njengoba umkhuba ubonisa, nazo zonke ezinye imisebenzi noma ukusebenzisa iwebhu noma yasebhange mobile. Futhi kungakhathaliseki ukuthi hlobo luni yezezimali. Ngalezi zinhlelo kufanele ukuhlangabezana eduze ngangokunokwenzeka. Cabanga kubo isibonelo Savings Bank. Nokho, "VTB 24" 'Client-Bank "has a esibonakalayo efanayo. Kodwa amakhasimende ngokuya uthanda Sberbank. yasebhange wayo uvame bakwenze eRussia.

'Banking Hambayo "

Nge version mobile, yonke into ilula futhi icacile - ikhasimende kumele thwebula bese ufake ngegajethi uhlelo lokusebenza ngokuthi "Mobile Banking". Nguye kuyasiza ukude uphathe ama-akhawunti nokuthola imvume amasevisi ngaphandle wavakashela inhlangano. Kodwa lokhu kunganele. Nokho, njengoba i-ukusetshenziswa intanethi yebhange, kubalulekile, njengoba kuye kwashiwo, alandele yokubhalisa ekhethekile.

Ukuze uxhume 'Banking Hambayo " kungcono ukusebenzisa i-ATM. Iya umshini wakho, iya kwimenyu enkulu. Lapho, funa "Mobile Banking". Okulandelayo, khetha "Xhuma" bese ulandela imiyalelo. Ngokuvamile, udinga ukuba unikeze imininingwane yakho kanye nenombolo yakho yocingo. Ngemva kokuqinisekisa operation (kuseli uzothola i-SMS enekhodi) bese ulanda uhlelo lokusebenza. Ngaphandle software eziyosebenza SMS-Banking kuphela. Kodwa uma kukhona "Mobile yasebhange" imisebenzi engenziwa ngaphandle imiyalo SMS.

Internet banking

Njengoba kuye kwashiwo, ucingo elawulwa kude - kuhle lokho. Kodwa akulona njengoba othandwayo intanethi. Bank (ikhona) inikeza amaklayenti ayo zidlule yokubhalisa elula kwi-website ye abethimba akude. Ngemva kwalokho, awukwazi uvakashele ihhovisi ukuthola ulwazi lwe-akhawunti futhi wenze izinkokhelo nokudluliswa.

Uma ucabangela intanethi ngesikhathi Sberbank Ngokwesibonelo, kuyafaneleka ukuthi ngaso sonke isikhathi ukusebenzisa isevisi, "Sberbank Online" idinga ukubhaliswa. Kwezinye izimo (uma uthanda), ungagwema le nqubo. Ukuze wenze lokhu, njalo uthola irisidi nge ngemvume yesikhathi esisodwa nephasiwedi. Lokhu kwenziwa ngosizo ATM. Ukuze wenze lokhu, khetha into yemenyu in the machine ngokuthi "Xhuma" Mobile Banking "noma" Sberbank Online ". Okulandelayo, chofoza ku" Thola iphasiwedi yesikhathi esisodwa ". Uyohluka isheke, okuzoba idatha ukugunyazwa.

ngemvume unomphela futhi iphasiwedi ingatholakala ngokulandela uhlelo elula ukubhaliswa. Kungcono ukucela usizo abasebenzi Sberbank. Banking okwamanje uxhuma bonke zokufinyelela yasebhange plastic. You buyisa phezulu le sevisi, cela abantu ukukusiza. Ngokusebenzisa ATM zingenza ukubhalisa ohlelweni "Sberbank Online". Inqubo fanekiso ukuthola iphasiwedi olulodwa. manje kudingeka kuphela ukukhetha "ukuxhuma". On ekhishwe isheke ngeke zisaba idatha yesikhashana, futhi ezicindezelayo.

ukuphepha

Internet Banking abantu ngabanye iyatholakala nganoma yisiphi isikhathi. Kuyinto ngokwanele nje agunyazwe kwiwebhusayithi ekhethekile, esiza ukuphatha izimali. Endabeni Sberbank Ngalokungaketayeleki kumele usebente kubo isevisi, "Sberbank Online".

Yiya yasebhange isayithi ohlangothini lwesobunxele kwesikrini, thayipha inombolo kamazisi (login) futhi iphasiwedi. Manje sidinga ukuqinisekisa input. Lokhu kwenziwa nge idivayisi yeselula - uzothola ikhodi ekhethekile yokuqinisekisa, wangena emkhakheni ezifanele esikrinini. Kuyinto uhlelo zokuphepha ezifana. Ngakho-ke enikeziwe isiqinisekiso sokuthi ungumnikazi wangempela akhawunti. Abantu njalo Banking isebenzisa inqubo efana nokuphepha kwedatha. Yilokho, ungasebenzisa amasevisi. Kepha Sberbank, vele uye "Izinkokhelo nokudluliswa". Lapha uzokwazi ukukhokhela izindleko futhi udlulisele imali. Ngokufanayo, kukhona yasebhange ukuphathwa kusuka kwezinye izinkampani yasebhange.