Inethiwekhi yama-ejenti iyisizathu esenza imali yeselula isebenze ezindaweni lapho amabhange angakaze akhe khona amagatsha. Umnikazi wesitolo, usokhemisi noma umthengisi we-airtime uba yindawo lapho imali ekheshi iguquka khona ibe yimali yedijithali, futhi ibuye. Kumakhasimende, i-ejenti yibhange. Kumsebenzisi, inethiwekhi yama-ejenti iyimpahla ebiza kakhulu, enenani kakhulu futhi ebuthaka kakhulu anayo. Lo mhlahlandlela uchaza ukuthi inethiwekhi yama-ejenti isebenza kanjani, ama-ejenti azuza kanjani, i-float nemali yokusebenza kugeleza kanjani enethiwekhini, indawo yama-ejenti amakhulu, nokuthi yini ehlukanisa inethiwekhi ekhulayo naleyo ewa buthule.
Iyini i-ejenti?
I-ejenti yibhizinisi lomuntu wesithathu elinenkontileka nebhange noma nomhlinzeki wemali yeselula ukuze linikeze izinsizakalo zezimali egameni lalo. I-ejenti akusona isisebenzi futhi ayinayo ilayisensi yebhange; isebenza ngaphansi kwelayisensi yomhlinzeki, ngokwemithetho ebekwe ngumlawuli. Ama-ejenti avamile ngabathengisi abancane asebevele bephatha imali ekheshi usuku lonke: izitolo zokudla, amakhemisi, abathengisi bamafoni ne-airtime, izitolo zempahla yokwakha, iziteshi zikaphethiloli nezitolo ezinkulu.
Kuye ngemakethe nomhlinzeki, i-ejenti inganikeza:
- Ukufaka imali: ikhasimende linikeza imali ekheshi, bese i-ejenti idlulisela inani elifanayo lemali ye-elekthronikhi esikhwameni sedijithali sekhasimende.
- Ukukhipha imali: ikhasimende lithumela imali ye-elekthronikhi ku-ejenti, bese i-ejenti inikeza imali ekheshi.
- Ukubhalisa amakhasimende: ukuthatha imininingwane kamazisi nezithombe ze-KYC, nokusiza abasebenzisi abasha ukusetha i-PIN.
- Ukukhokha izikweletu ne-airtime kumakhasimende akhetha ukukhokha ngekheshi.
- Ukubuyisela imali ebolekiwe nokufaka imali yokonga emabhange nasezikhungweni zezimali ezincane.
- Ukuvula ama-akhawunti nezinsizakalo ezilula zasebhange lapho umlawuli evumela ama-ejenti asebhange.
Indlela esebenza ngayo: iziphathelo ezimbili zenani
I-ejenti ihlala inezinhlobo ezimbili zemali, futhi ukuqonda ukugeleza phakathi kwazo kuyisihluthulelo sokuqonda yonke inethiwekhi.
- Imali ekheshi edilowa.
- I-float ye-elekthronikhi esikhwameni sedijithali se-ejenti uqobo epulatifomu.
Yonke imisebenzi idlulisa inani isuka kwesinye isiphathelo iye kwesinye:
| Umsebenzi | Ikheshi le-ejenti | I-float ye-ejenti | Isikhwama sekhasimende |
|---|---|---|---|
| Ikhasimende lifaka u-1,000 | +1,000 | −1,000 | +1,000 |
| Ikhasimende likhipha u-1,000 | −1,000 | +1,000 | −1,000 |
Inani eliphelele le-ejenti (ikheshi kanye ne-float) aliguquki, ngaphandle kwekhomishini ezuziwe. Kodwa ingxube iyaguquka usuku lonke. Edolobheni lemakethe lapho abantu bethola imali ezihlotsheni ezisedolobheni elikhulu, amakhasimende ikakhulukazi akhipha imali: ikheshi le-ejenti liyaphela bese i-float iyanqwabelana. Esifundeni samabhizinisi edolobheni lapho izisebenzi zithumela imali ekhaya, amakhasimende ikakhulukazi afaka imali: i-float iyaphela bese ikheshi linqwabelana. Noma kunjani, ekugcineni i-ejenti ayikwazi ukusiza ikhasimende elilandelayo. Le yinkinga yemali yokusebenza, futhi ukuyiphatha kuyinselele enkulu yokusebenza yenethiwekhi yama-ejenti. Siyijula ku-ukuphathwa kwe-float nemali yokusebenza yama-ejenti.
Indlela ama-ejenti azuza ngayo
Ama-ejenti akhokhelwa ikhomishini, ngokuvamile ngomsebenzi ngamunye futhi ngamazinga ngokwenani. Isakhiwo esivamile sibukeka kanje:
- Ikhomishini yokukhipha imali, ixhaswa yimali yokukhipha ekhokhwa yikhasimende. Ngokuvamile ingumthombo omkhulu weholo le-ejenti.
- Ikhomishini yokufaka imali, ikhokhwa ngumhlinzeki nakuba ukufaka imali kuvame ukuba mahhala kukhasimende, ngoba ukufaka imali yikho okungenisa imali ohlelweni.
- Amabhonasi okubhalisa ngekhasimende ngalinye elisha eliqeda i-KYC futhi lenze umsebenzi wokuqala.
- Amakhomishini ezikweletu ne-airtime ezinsizakalweni i-ejenti ezithengisayo.
Ukuklama ikhomishini kungumsebenzi wokulinganisa. Uma ukhokha kancane kakhulu, ama-ejenti ayayeka ukuphatha i-float, abuyisela amakhasimende noma abize imali engekho emthethweni ngasese. Uma ukhokha kakhulu, wonke umsebenzi ulahlekelwa yimali. Imiklamo engcono ikhokha kakhulu imisebenzi inethiwekhi eyidinga kakhulu: ukufaka imali ezindaweni ezintula i-float, ukubhalisa okuphenduka amakhasimende asebenzayo, nensizakalo ezindaweni ezingasizwa kahle.
Ikhomishini kumele ibe nembile, isheshe futhi ibonakale
Ama-ejenti angamabhizinisi amancane abheka lonke isenti. Ikhomishini ebalwe kabi, ekhokhwe sekwephuzile noma enzima ukuyiqinisekisa ibhubhisa ukwethembana ngokushesha kunamanani aphansi. Ipulatifomu kufanele ifake ikhomishini njengokufakwayo okuhlukile kuwo wonke umsebenzi, ikhombise i-ejenti isamba esiqhubekayo ku-app, futhi iyikhokhe ngohlelo olumenyezelwe. Ileja yokufaka kabili yenza lokhu kube lula: ikhomishini ingokunye nje okufakwayo okulinganayo, okulandeleka kuze kufike emsebenzini oyikhiqizile.
Ama-ejenti amakhulu, abaqoqi nesihlahla senethiwekhi
Ambalwa kakhulu amanethiwekhi ayisicaba. Iningi lihlelwe njengesihlahla:
- Umhlinzeki ubeka imithetho, amanani nemikhawulo futhi uphethe ama-akhawunti amakhulu.
- Ama-ejenti amakhulu (abaqoqi) angamabhizinisi amakhulu aqasha futhi aphathe izindawo eziningi. Athenga i-float ngobuningi kumhlinzeki, ngokuvamile ngokudlulisa ebhange, bese eyihambisela ezindaweni zawo. Ngokuvamile azuza ikhomishini yokwengamela, isabelo salokho okuzuzwa yizindawo zawo.
- Izindawo zama-ejenti zisiza amakhasimende.
Isihlahla sixazulula izinkinga ezimbili. Okokuqala, sidlulisela ukuphathwa kwemali yokusebenza kumuntu onemali nemoto: i-ejenti enkulu ihambisa ikheshi ne-float phakathi kwezindawo ezinokuningi kwenye nokuncane kwenye. Okwesibili, sikhulisa ukuqasha nokwengamela: umhlinzeki uphatha amakhulu ambalwa abaqoqi esikhundleni samashumi ezinkulungwane zezitolo.
Ipulatifomu yakho idinga ukumela isihlahla ngokwemvelo: ubudlelwano bomzali nengane, ukudluliswa kwe-float kwehla esihlahleni, amakhomishini okwengamela abalwa ngokuzenzakalelayo, nemibiko kuwo wonke amazinga ukuze i-ejenti enkulu ibone impilo yendawo ngayinye.
Ukungeniswa kwama-ejenti nokuhlolwa okujulile
Abalawuli benza umhlinzeki abe nesibopho sama-ejenti akhe. Inqubo eqinile yokungenisa ihlanganisa:
- Isicelo: ukubhaliswa kwebhizinisi, umazisi womnikazi, indawo nezithombe zendawo yebhizinisi, kungcono kuthunyelwe ngokuzisiza ku-app ye-ejenti noma kuphothali yewebhu.
- Ukuhlolwa okujulile: ukuhlola ohlwini lwezijeziso nohlwini olumnyama lwangaphakathi, ukuqinisekisa ibhizinisi nomnikazi, nokuvakashela indawo uma kudingeka.
- Ukugunyazwa yiminyango yokuthobela, nesinqumo nesizathu kurekhodiwe.
- Ukuqeqeshwa ngemisebenzi, ukuthatha imininingwane ye-KYC, amaqhinga okukhwabanisa nemithetho yokuvikela amakhasimende, njengokubonisa amanani asemthethweni.
- Ukwenziwa kusebenze ngemikhawulo eqaphile, ekhushulwa njengoba i-ejenti yakha umlando omuhle.
Amadokhumenti kufanele aye ngokuzenzakalelayo eqenjini lokuthobela, futhi konke ukugunyazwa kube yisimo sokuthi ayikho i-akhawunti engenza umsebenzi ngaphambi kokugunyazwa. Yile ndlela okhulisa ngayo inethiwekhi ngokushesha ngaphandle kokulahlekelwa ukulawula ukuthi ubani okuyo.
Imikhawulo nokulawulwa kwama-ejenti
Imikhawulo ivikela amakhasimende, i-ejenti nomhlinzeki. Inethiwekhi emiswe kahle ibeka:
- amanani aphezulu omsebenzi ngamunye wokufaka nokukhipha imali;
- imikhawulo yenani yansuku zonke neyanyanga ngayinye nge-ejenti ngayinye, ekhushulwa ngokusebenza kahle nobude besikhathi;
- amabhalansi aphezulu e-float, ukuze indawo eyodwa egqekeziwe ingabeki engozini izimali ezinkulu;
- imithetho yesivinini ekhomba amaphethini angajwayelekile, njengokukhipha imali kaningi ngamanani angaphansi kancane komkhawulo;
- ukubophela edivayisini, ukuze i-akhawunti ye-ejenti isebenze kuphela kumadivayisi abhalisiwe;
- ukungena kwabasebenzi kuma-ejenti anabakhokhisi abaningi, ngamunye ene-PIN yakhe nerekhodi lokucwaninga.
Ukukhwabanisa kwama-ejenti: amaqhinga okufanele uziqaphe kuwo
Ama-ejenti ayingxenye esengozini kakhulu yenethiwekhi, njengezisulu futhi ngezinye izikhathi njengabenzi bobubi. Amaqhinga avamile:
- Ukuhlukanisa imisebenzi: i-ejenti ihlukanisa ukukhipha imali kwekhasimende elilodwa kube izingxenye ezincane eziningi ukuze izuze ikhomishini eningi. Kutholakala ngokuqoqa ukukhipha imali ngekhasimende nange-ejenti ezikhathini ezimfushane.
- Ukufaka ngqo: esikhundleni sokufakela umamukeli imali, i-ejenti ithumela ku-float yayo bese ithatha imali yokuthumela yekhasimende, yeqa i-KYC nohlelo lwamanani. Kutholakala ngamaphethini okudlulisa imali kusuka ku-ejenti kuya kukhasimende.
- Izindleko ezingekho emthethweni: ukubiza amakhasimende ngaphezu kwamanani amenyezelwe. Kuliwa nakho ngamanani abonakalayo, izinkomba ze-SMS ezikhombisa imali esemthethweni, namakhasimende ayimfihlo.
- Ukuzenza umhlinzeki: izigebengu ezishayela ama-ejenti zizenza ihhovisi elikhulu ukuze zizenze "zibuyise" noma "zihlole" imisebenzi. Kuliwa nakho ngokuqeqesha nangomthetho wokuthi ihhovisi elikhulu alilokothi licele i-PIN noma ukudlulisa imali.
- Omazisi abebiwe noma ababolekiwe abasetshenziselwa ukubhalisa ama-akhawunti. Kuliwa nakho ngokuthatha izithombe, ukuqinisekisa omazisi nemikhawulo yokubhalisa nge-ejenti ngayinye ngosuku.
Okwengeziwe ku-umhlahlandlela wethu ophelele wokukhwabanisa kwemali yeselula.
Ukulinganisa impilo yenethiwekhi yama-ejenti
Inani lama-ejenti abhalisiwe lingelokuziqhenya nje. Lezi yizinombolo ezikutshela ukuthi inethiwekhi iyasebenza yini:
| Isilinganiso | Okukutshelayo |
|---|---|
| Ama-ejenti asebenzayo ezinsukwini ezingu-30 (isabelo sababhalisiwe) | Ukuthi inethiwekhi yakho ingokoqobo noma isephepheni kuphela |
| Imisebenzi nge-ejenti esebenzayo ngayinye ngosuku | Ukuthi ama-ejenti azuza ngokwanele ukuthi ahlale |
| Isilinganiso sekhomishini ye-ejenti ngenyanga | Umnotho we-ejenti; qhathanisa nenzuzo yezitolo zendawo |
| Ukwehluleka kwemali yokusebenza (amakhasimende abuyiselwe) | Isizathu esikhulu sokulahlekelwa amakhasimende |
| Izinsuku ze-float (i-float ihlukaniswe ngokufakwa kwansuku zonke) | Ukuthi ama-ejenti aphethe i-float eyanele yini |
| Amakhasimende aseduze ne-ejenti esebenzayo | Ukufinyelela lapho kubalulekile khona |
| Ukubhalisa nge-ejenti ngayinye okuphenduka okusebenzayo | Izinga lokungenisa, nezimpawu zokukhwabanisa |
Usuku olulodwa empilweni ye-ejenti
Kuyasiza ukubona inethiwekhi usemuva kwekhawunta. I-ejenti evamile edolobheni elimatasa ivula ngo-7 ekuseni futhi ibheke izinombolo ezimbili ku-app ye-ejenti: ibhalansi ye-float nekheshi elisedilowa. Ekuseni kuningi ukufaka imali: abathengisi abafaka imali yezolo nezisebenzi ezithumela imali ekhaya ngaphambi komsebenzi. Emini i-float isincipha, ngakho i-ejenti ithenga enye ku-ejenti yayo enkulu nge-app, ikhokha ngekheshi eliqoqwa yisithunywa se-ejenti enkulu. Ekuqaleni kwantambama kufika ukubhalisa okumbalwa kwamakhasimende, ngakunye nesithombe sikamazisi nokufaka imali kokuqala, kanye nomgcinimafa wesikole okhokha imali yesikole egameni labazali. Ntambama kufika ukukhipha imali: abantu abathatha imali ethunyelwe yizihlobo, abasebenzi bemihla ngemihla abakhipha iholo labo losuku. Lapho kuvalwa, i-ejenti ibheka ikhomishini yosuku ku-app, iqhathanise ikheshi elilindelekile nelisedilowa, bese iphrinta noma ibuka isitatimende sosuku.
Yonke inkinga kulolo suku ibiza i-ejenti amakhasimende: umsebenzi ohamba kancane ngenkathi ulayini ukhula, ukuthenga i-float okuthatha ihora, inombolo yekhomishini engafani nokubala kwayo. Yingakho ama-ejenti ahlulela umhlinzeki ngobuchwepheshe bakhe njengoba nje ehlulela ngamanani ekhomishini.
Ukuklama ukufinyelela kwenethiwekhi
Lapho ubeka khona ama-ejenti kubaluleke njengokuthi uqasha amangaki. Imigomo esebenzayo:
- Landela ukugeleza kwemali: izimakethe, iziteshi zamabhasi, izindawo zokuhlala, amapulazi akhokha ngekheshi, nezindawo lapho kufika khona imali ethunyelwa ivela kwamanye amazwe.
- Ukuminyana ngaphambi kobubanzi: amakhasimende adinga i-ejenti ebangeni elifushane lokuhamba, nenketho yesibili uma eyokuqala iphelelwe yikheshi.
- Linganisa ingxube: izindawo ezinokukhipha imali okuningi zidinga ama-ejenti aqoqa ikheshi ngokwemvelo, njengezitolo ezimatasa, ukuze kujikeleziswe imali yokusebenza.
- Sebenzisa idatha: qhathanisa amakhasimende asebenzayo nemisebenzi nezindawo zama-ejenti ebalazweni ukuze uthole izikhala nokweqile.
- Susa ama-ejenti angasebenzi: i-ejenti engakaze yenze umsebenzi iyingozi yokuthobela nenduduzo engamanga emabalazweni okufinyelela.
Amanethiwekhi ama-ejenti amabhange nezikhungo zezimali ezincane
Inethiwekhi yama-ejenti ayiyona eyezinkampani zocingo kuphela. Amabhange nezikhungo zezimali ezincane asebenzisa ama-ejenti ukuthatha imali efakwayo, ukukhipha nokuqoqa imali ebolekiwe, nokuvula ama-akhawunti ezindaweni lapho igatsha lingeke lizuze khona. Amabhange amaningi amakhulu anemithetho ekhethekile yama-ejenti asebhange, evame ukuba qinile kunaleyo yama-ejenti emali ye-elekthronikhi, njengokudinga ukuthi ama-ejenti abe amabhizinisi asungulwe anomlando omncane wokuhweba.
Kwibhange, i-app ye-ejenti iba igatsha elincane: ukubheka i-akhawunti, ukufaka imali, ukukhipha imali nokubuyisela imali ebolekiwe ohlelweni oluyinhloko lwebhange, ngendlela efanayo ye-float nekhomishini. Ipulatifomu efanayo ingaqhuba ama-ejenti emali ye-elekthronikhi nama-ejenti asebhange uma ileja nezimvume zayo zivumelana nezimo ngokwanele.
Indlela ubuchwepheshe obakha ngayo noma obudiliza ngayo inethiwekhi
I-ejenti izohlulela insizakalo yakho ngezinto ezintathu: ukuthi umsebenzi uphothulwa ngokushesha kangakanani ngenkathi ikhasimende lilinde ekhawunteni, ukuthi ikhomishini inembile ngokuphelele yini, nokuthi ingabona i-float nekheshi layo ngokubuka kanye yini. Ipulatifomu enhle yama-ejenti inikeza:
- i-app ye-ejenti yemvelo esheshayo, ne-USSD njengenye indlela uma idatha ingazinzile;
- ibhalansi ye-float bukhoma, isimo sekheshi sosuku nekhomishini ezuziwe namuhla;
- izindlela zokuthenga nokudlulisa i-float, kuhlanganise nasuka ku-ejenti enkulu;
- ukubhalisa amakhasimende ngokuthatha amadokhumenti okusebenza ngaphandle kwe-inthanethi futhi kuvumelaniswe kamuva;
- abasebenzi abanokungena kwabo ngaphansi kwe-akhawunti eyodwa ye-ejenti;
- izitatimende nezinkomba ezixazulula izingxabano ngaphandle kokushayela ihhovisi elikhulu.
Futhi ngemuva kwakho, umhlinzeki udinga ihhovisi elingemuva elibona yonke i-ejenti, wonke umkhawulo, sonke isexwayiso nayo yonke ikhomishini, nekhono lokulungisa amanani nemithetho yekhomishini ngaphandle kokubhala ikhodi.
Lokho abalawuli abavame ukukudinga kuma-ejenti
Imithetho yama-ejenti iyahluka ngezwe nangokuthi inhloko yibhange noma ngumkhiphi wemali ye-elekthronikhi, kodwa iningi lezinhlaka linezinto ezifanayo:
- Ukufaneleka: ama-ejenti kumele abe amabhizinisi asungulwe, ngokuvamile anomlando omncane wokuhweba nendawo ebhalisiwe, futhi kumele aphumelele ekuhlolweni kobuqotho.
- Isibopho senhloko: ibhange noma umkhiphi unesibopho sokuziphatha kwama-ejenti akhe kumakhasimende, ngakho ukuhlolwa okujulile nokuqapha akuyona into yokuzikhethela.
- Imisebenzi evunyelwe: uhlu oluchaziwe, njengokufaka, ukukhipha, ukukhokha izikweletu nokuvula ama-akhawunti, eminye imisebenzi igcinelwe ama-ejenti asebhange.
- Ukuvikelwa kwamakhasimende: ukubonisa amanani asemthethweni nophawu lwenhloko, inkomba yawo wonke umsebenzi, nendlela yokufaka izikhalazo.
- Imikhawulo yemisebenzi ngekhasimende ngalinye nange-ejenti ngayinye, ebekwe yinhloko ngaphakathi kwemikhawulo yomthetho.
- Ukugcinwa kwamarekhodi: amarekhodi emisebenzi namadokhumenti e-KYC agcinwa isikhathi esibekiwe.
- Ukubika: imibiko yezikhathi ezithile ebala ama-ejenti, izindawo zawo nemisebenzi yawo, nokwaziswa ngokunqanyulwa.
- Ukukhetheka: abalawuli abaningi bayayinqabela izinkontileka zama-ejenti ezikhethekile, ukuze izitolo zikwazi ukusiza abahlinzeki abaningi.
Umthelela osebenzayo: ipulatifomu yakho kumele igcine amarekhodi namadokhumenti ama-ejenti, iphoqelele imikhawulo, ikhiqize izinkomba, igcine imilando ephelele yemisebenzi futhi ikhiqize imibiko yama-ejenti ngaphandle komzamo wezandla. Inethiwekhi yezinkulungwane zama-ejenti ayikwazi ukuphathwa ngamaspredishithi.
Amaphutha avamile lapho kwakhiwa inethiwekhi
- Ukuqasha ngenxa yezinombolo. Izinkulungwane zama-ejenti alele zibukeka kahle embikweni webhodi futhi zibiza imali ekungeniseni, ezimpawini nasekwengameleni. Linganisa ama-ejenti asebenzayo, hhayi asayinile.
- Ukunganaki umnotho wasemaphandleni. Uhlelo lwekhomishini olwenzelwe izindlela ezimatasa zasemadolobheni lushiya ama-ejenti asemaphandleni engenanzuzo, futhi ayeka ngokuthula ukusiza amakhasimende.
- Akukho hlelo le-float. Ama-ejenti angakwazi ukulinganisa abuyisela amakhasimende, futhi amakhasimende asola uphawu, hhayi i-ejenti.
- Ukwengamela okubuthaka. Ngaphandle kokuvakasha njalo nokuqapha okusekelwe kudatha, ukubiza ngokweqile nokukhwabanisa kuyakhula kungabonwa.
- Ukubheka ama-ejenti njengesiteshi, hhayi ibhizinisi. Ama-ejenti aqonda inzuzo yawo, abona izitatimende zawo futhi athola ukuqeqeshwa ahlala ethembekile futhi asiza amakhasimende kangcono.
Imibuzo evame ukubuzwa
Uyini umehluko phakathi kwe-ejenti ne-ejenti enkulu?
I-ejenti isiza amakhasimende endaweni eyodwa. I-ejenti enkulu iphatha izindawo eziningi, izihambisela i-float, futhi izuze ikhomishini yokwengamela emisebenzini yazo.
Ingabe ama-ejenti adinga i-akhawunti yasebhange?
Ngokuvamile yebo. Ama-ejenti adinga indlela yokuthenga i-float nokufaka ikheshi elisele, ngokuvamile nge-akhawunti yasebhange noma nge-ejenti yawo enkulu.
I-ejenti ingazuza malini?
Kuncike emananini nasebuningini bemisebenzi. Amanethiwekhi aphilile ahlose ikhomishini engukwengeza okubalulekile eholweni lesitolo, eyanele ukuthi ukuphatha i-float kubonakale kunenzuzo.
Ingabe isitolo esisodwa singaba yi-ejenti yabahlinzeki abaningi?
Ezimakethe eziningi ukukhetheka kwama-ejenti kunqatshelwe, ngakho isitolo singasiza abahlinzeki abaningi. Lokho kwenza okuhlangenwe nakho kwe-ejenti nokwethembeka kwekhomishini kube yinzuzo yokuncintisana.
Kwenzekani uma i-ejenti iphelelwa yikheshi?
Ikhasimende liyabuyiselwa, futhi ngokuvamile alibuyi. Yingakho ukuphathwa kwemali yokusebenza, ngama-ejenti amakhulu, ubambiswano namabhange nezexwayiso ze-float, kuyisiyalo esiyinhloko sokusebenza kwenethiwekhi.
I-PesaBridge ihlanganisa i-app yemvelo ye-ejenti ne-USSD yama-ejenti, ukusabalaliswa kwe-float ngezihlahla zama-ejenti amakhulu, ikhomishini nekhomishini yokwengamela ngokuzenzakalelayo, ukungeniswa kwama-ejenti ngokuzisiza okulinde ukugunyazwa kwe-KYC, imisebenzi esuka ku-app, kuphothali noma ku-USSD, nehhovisi elingemuva lokuqhuba yonke inethiwekhi. Bona ipulatifomu yama-ejenti noma cela ukufinyelela kokuhlola ukuze uzame i-app ye-ejenti.