E-imali: izinhlobo, ngezigaba, definition, izici

Electronic imali - isiqondiso qualitatively entsha ngokuhamba ukuhweba. Namuhla, e-wallets emhlabeni wonke ukukhokha ngokushesha futhi ukhokhelwe ngokuthenga, ukwenza izinkokhelo akhawunti, uthole, ukutshala, futhi kuphelile-Inthanethi, ngaphandle kokushiya ekhaya. Ukhululekile? Impela kufanele abahloniphe. Kuyini, futhi yiziphi izinhlobo e-imali eRussia ethandwa kakhulu? Konke lokhu - kulesi sihloko.

Kuyini nemali electronic futhi isikhwama electronic?

imali Electronic - into efanayo ukuthi esikhwameni kanye yasebhange amakhadi akho, umehluko kuphela ukuthi ukubala uya ku-intanethi. Lapha, kanye ekhadini, kungenzeka ukuba bafeze ukukhokhelwa kwezimpahla kuya ku-intanethi (kanye emazweni ahlukene) ukushintshashintsha ngomunye lwemali ukukhokhela izindleko, Umbuso indawo izikweletu kanye nezokuxhumana mobile, ukuthenga amathikithi emoyeni futhi wesitimela / isitimela, ukuhumusha sikhwama esikhwameni, uyaziveza imali yangempela. Uhlu alupheli.

wallets ngogesi wayemthanda ngokukhethekile yilabo uncamela akhokhe ngezokuvakasha, ngoba iningi labo engaziwa futhi asidingi ukuhlonza idatha iphasiphothi.

Ukubalwa ngemali electronic - esheshayo futhi kulula ukuyisebenzisa, akudingi wamaphepha, nokuhamba amabhange pomagazinam futhi emi emigqeni. Zonke izinkokhelo singenziwa qapha ikhompyutha, ngaphandle kokushiya endlini, ngokwanele ukuba akhethe okuhle ohlelweni lokukhokha.

Uyini-EPS?

Umqondo semali electronic nezinhlobo zabo kuhlangene ngokungenakuhlukaniswa welithi "yokukhokhelana electronic." Kuyinto inhlangano anikezelwe wallet yakho emva ulivula, uyofana nendlela amadili yasebhange ukuthengiselana sakho sezimali ngemuva kokuvula i-akhawunti yekhadi kuwo.

ERussia, kunezinhlobo ezahlukene imali izinhlaba, ngalinye elikwazi nomsebenzi wabo siqu, amazinga ehlukene yentuthuko nokuduma, Ukusabalala ezahlukene, imigomo lehlukile. Ezinye zazo nihlanganyele futhi zikuvumela ukuthi uthumele imali komunye sikhwama esikhwameni nezinye SEOs Yiqiniso, nge ukuqoqwa ikhomishana ezithile. Kungani lo wenze oku?

Ngamunye ohlelweni lokukhokha - imali yakho. Ake sithi ufuna oda phezu Internet noma yimuphi umkhiqizo futhi une isikhwama evulekile kusukela inombolo OPS 1, lapho imali yakho ye-elekthronikhi. Online esitolo, lapho ufuna wenze ukuthenga, kuthatha akhawunti kuphela OPS inombolo 2. Khona-ke, ngaphambi kokuba uvuke okukhethayo - kungakhathaliseki ukuvula esikhwameni e OPS inombolo 2 futhi kabusha imali khona, noma nje ukuhumusha kusho kusuka inombolo esikhwameni OPS 1.

Indlela ukubeka imali ku isikhwama?

Electronic imali, izinhlobo zazo Kamuva sizoxoxa ngokuthi, njengoba umthetho, babelwa ukuba ibhange esithile, ngakho ukuze uthumele imali ku-electronic banking singenzeka yemali. Kukhona umsebenzi nge mobile noma i-Internet Banking. Udinga nje kudingeka ukhethe ukuthi iliphi yokukhokhelana oyisebenzisayo futhi kungakanani ufuna ukuhumusha.

By endleleni, abanye uhlobo imali electronic avunyelwe ukudala amakhadi amasha, okungase kwenziwe ngokusebenzisa ukubala esigungwini. Njengoba ungase futhi ukuhoxisa ukheshi, like ikhadi ebhange njalo.

Izinhlobo nemali electronic futhi izici zabo

Njengoba kushiwo ngenhla, i-choice kwesokudla esikhwameni ngabe kakhulu ukugwema izinkinga nge ikhomishini nokulibaziseka lokukhokha esikhathini esizayo. Lesi sinqumo buxhomeke kulokho izwe futhi iziphi izinhlobo izinkokhelo uya ukwenza. Ngokwesibonelo, e Belarus, zemali electronic lwemali Belarusian abakhuthele kuphela emva ukuhlonza eziyinkimbinkimbi, ngakho lapha wena cishe ukuze bakwazi ukukhokhela i isikhwama electronic. Yiqiniso, akubona bonke abantu abanalolu ezinjalo ezicashile eziyinkimbinkimbi, amakhasimende bayaqhubeka aneendlela ethandwayo izinhlobo imali electronic asetshenziswa izibalo emhlabeni.

PayPal

Omunye ethandwa kakhulu futhi elula lokukhokha izinhlelo emhlabeni - lenye endalini emhlabeni wonke eBay. PayPal imali computer ebavumela ukuba akhokhe emazweni 203 emhlabeni wonke. A inzuzo ethile ye-PayPal kukhona izinhlobo eziningi zezimali nezindlela kokuhoxiswa kokuhlelwa imali.

Lokhu yokukhokhelana ikuvumela:

• udlulise nanoma yimaphi izimali kwi-akhawunti yakho siqu;
• enze ukuthengiselana ukukhokhelwa besebenzisa inguqulo yeselula;
• ukwenza imisebenzi kanyekanye abantu abaningana;
• ukuthumela bill eposini;
• ukuzivocavoca ukuhoxa nsuku zonke kwi-akhawunti, nokuningi.

"Yandex"

Imihlobo yesibili ethandwa kakhulu e-imali ezivumela izibalo eRussia ngokuyinhloko futhi CIS amazwe - a "Yandex". Nakuba babe nethuba ukuze uthumele ku zamadola hryvnia Ukraine, ruble Belarusian, kodwa lwemali yabo eyinhloko - Ruble Russian.

Kulesi simiso, njengoba ngokushesha futhi kalula, kungenzeka ukuba bafeze omningi osheshayo ukuthengiselana:

• namarisidi lokukhokha, kanye nezinsiza;
• kukhokhelwe izimpahla;
• ukwamukelwa kwenkokhelo;
• imali ekhadini plastic;
• adluliselwe komunye ikhadi komunye umsebenzisi.

Ukuze la masevisi OPS kususa 0,5% ikhomishana on lemali. Uma ukuhoxisa izimali - 3%.

A inzuzo enkulu "Yandex" kuyikhono ukuxhuma ngqo esikhwameni indawo siqu. Ngakho amakhasimende akho kungaba ngokushesha ukukhokhela izimpahla kwelinye esikhwameni, i-akhawunti yasebhange noma ikhadi ngqo kusayithi lakho.

WebMoney

Omunye OPS lokuqala, WebMoney Dlulisa, kabanzi amalungu amaningi Inthanethi isiRashiya, futhi kwamanye amazwe Western Europe. Nokho, izibalo ngokuxhuma lezi imali electronic Kumelwe niqaphele ukuba baqonde ngokucacile, okuzokwenza kwenziwe, izinhlobo zazo kungavunyelwe, ezifana e-Germany.

WebMoney uhlelo isebenzisa zezimali ezine - dollar, lo hryvnia, Belarusian futhi ruble Russian. Ngosizo lwabo, ungase futhi baphathe yokusungula enkulu imisebenzi - ethile ekukhokheni izimpahla platezhek zezimali ngaphambi kokwenza ukukhokhelwa okuthengiswayo kuwebhusayithi yayo.

Inzuzo enkulu ye WebMoney angabhekwa amathuba amaningi replenishment yayo:

• Savings Bank imali ngokusebenzisa;
• ngokusebenzisa ikhadi;
• ngeposi;
• ngokusebenzisa amahhovisi exchange;
• nge-Western Union nabanye abaningi.

Qiwi

Enye yokukhokhelana Russian wasebenzisa ngaphezulu nemizana phakathi kwamazwe CIS. Ngeshwa, naphezu ububanzi kuqhathaniswa ebanzi imisebenzi, layo akuvamile ohlangana izitolo. Kodwa naso ngempela kalula futhi ngokushesha ungakwazi ukukhokha irenti irisidi, i-TV, i-inthanethi kanye ucingo.

Qiwi uhlelo wayemthanda ngokukhethekile yilabo abangekho friendly kwi-Inthanethi. Umsebenzi lula nge ezikhumulweni amaningi ezisiza ukuba afeze imisebenzi.

Ngaphezu okungenhla, ngezigaba kanye nezinhlobo e-imali izinhlelo zihlanganisa RUpay, Stormpay, Moneybookers, Liqpay, "Wallet", "Imali Mail" kanye nabanye abaningi. ukusetshenziswa wabo akuvamile njengoba isibonelo, WebMoney noma "Yandex". Uma ufuna ukwenza izinkokhelo ensimini ka CIS amazwe yezimpahla ezitolo noma kunalokho, ikhokhwe kwisayithi, kungcono ukuxhuma esikhwameni ethandwa kakhudlwana.

Kanjani ukuqala ukusebenzisa imali electronic

Indlela ukusebenza esikhwameni elekthronikhi ngokuvamile zonke izinhlelo zokukhokha okufanayo, ngakho sikunikeza algorithm jikelele yezenzo.

1. Khetha esikhwameni elekthronikhi elufanela wena, bese uya-website yakhe.
2. Dlula ukubhalisa mahhala, ugcwalise imininingwane edingekayo mayelana nawe, uma kunesidingo, ucacise idatha iphasipoti, kuye ngokuthi indlela ofuna ukuyisebenzisa le esikhwameni. Kwezinye izinhlelo, kutuswa ukuba kudlule inqubo yokuqinisekisa futhi ukuhlonza. Ukuze wenze lokhu, cishe ngeke kudingeke ukuthumela scan passport noma travel ehhovisi OPS (e igatsha lasebhange) ukuqinisekisa ubuwena yabo. uhlelo ezinjalo eziyinkimbinkimbi ukuhlonza kuyadingeka uma, isibonelo, usomabhizinisi yangasese noma uhlelo IO ezishisiwe ezinkulu phezu esikhwameni. Ngemva kokudlulisa amathuba evulekile enkulu ukusebenza nge-akhawunti. wallets abaningi, kunalokho, bavumela ukuba ukuvula isikhwama ngokungaziwa. Lokhu kukhetha freelancers ekahle, abangafuni ukukhangisa nemiholo yabo.
3. Ezinye SEOs ukunikela thwebula iminikelo mobile, ngawo isimo sikuvumela ukwenza imisebenzi, isibonelo, WebMoney.
4. Isinyathelo sokugcina kuhilela kwaqedwa esikhwameni ngu ukheshe noma imali electronic.

Izixwayiso

I popularization semali electronic kunomthelela hhayi kuphela yokukhokha okusheshayo nge-Internet, kodwa futhi lokhu kukhwabanisa ekhula ngokushesha. Ngakho-ke, kubalulekile ukuba ukhethe futhi ukuthemba imali yabo efakazelwe izinkampani okuthembekile. Uma ungazange wezwa othile yokukhokhelana, akudingekile ukungena ku yokubhalisa yakha idatha yakho siqu futhi ikakhulukazi ukuze uthumele izimali, engazi lapho. Qaphela nemikhonyovu!

isifinyezo

Ngakho manje uyazi ukuthi imali electronic - ubunjalo, izinhlobo nokusetshenziswa, kanye yokuthi kuba indlela elula, fast and evikelekile ukuze afeze zokukhokhelwa ngezimali ngqo qapha ikhompyutha yakho. Trust kuphela efakazisiwe amasistimu wokukhokha. Okokuqala, manje babe cishe kunoma iyiphi esitolo inthanethi, ihhovisi w / e namathikithi, zokubukela amabhayisikobho kanye namasevisi izikhungo. Bavumela ukuthi bakhokhele noma iyiphi namarisidi - kusukela izinhlawulo loans kanye platezhek ngoba ifulethi. Okwesibili, lezi zinhlelo avikelekile ekukhwabaniseni, ungakwazi ephephile ngokuphelele ukubethemba imali yabo. Okwesithathu, banayo zinengi izindlela kulungile ukuze lifake futhi ukuhoxisa ukheshi njengoba kudingeka.