Kudala i-wallet yeselula yayihlulelwa ngento eyodwa kuphela: ngingakwazi yini ukuthumela imali kudadewethu? Lelo zinga selikhuphukile. Manje amakhasimende aqhathanisa i-wallet yakho ne-app engcono kakhulu esocingweni lwawo, hhayi ne-wallet yokugcina abayisebenzisile, futhi alindele ukukhokha esitolo, ukukhokha isikweletu, ukubeka imali eceleni, ukuboleka kancane ngaphambi kosuku lomholo nokubona yonke inkokhelo esitatimendeni esihlanzekile, konke lokhu engaphumanga ku-app. Lolu hlu luchaza izici ezehlukanisa i-wallet abantu abayigcinayo kweyodwa abayisusayo, nalokho isici ngasinye esikudingayo ngemuva kwesikrini.
Lusebenzise ngezindlela ezimbili. Uma uhlela i-wallet, lona umkhawulo womsebenzi wakho. Uma ukhetha inkundla, lolu wuhlu lwemibuzo yakho: emugqeni ngamunye, cela ukuyibona isebenza, hhayi ukuthi ichazwe nje.
1. Isikrini sokuqala esiphendula umbuzo wokuqala
Into yokuqala ikhasimende eliyifunayo yibhalansi yalo, eyesibili yilokho elize ukukwenza. Isikrini sokuqala esihle sibonisa ibhalansi (nokuthinta okukodwa ukuyifihla phambi kwabantu), sibeka izenzo ezine noma ezinhlanu ezisetshenziswa kakhulu lapho isithupha sifinyelela khona, futhi sigcina abamukeli bakamuva bekude ngokuthinta okukodwa. Konke okunye, kusukela kumaphakheji kuya kumshwalense, kungezansi ngezinga elilodwa kumenyu yezinsizakalo engakhula ngaphandle kokuminyanisa umnyango wangaphambili.
Ngemuva kwesikrini lokhu kudinga imenyu engalungiseka, ukuze u-opharetha ahlele kabusha noma engeze izinsizakalo emakethe ngayinye ngaphandle kokukhipha i-app entsha. Uma insizakalo entsha ngayinye isho uhlobo olusha lwe-app, uzokwengeza izinsizakalo kancane.
2. Thumela futhi wamukele, ngazo zonke izindlela abantu abakwenza ngazo ngempela
Ukudlulisela imali komuntu nomuntu kusewumgogodla. Uhlu lude kunalokho olubonakala lukhona:
- Thumela kunombolo yocingo kunethiwekhi yakho, igama elibhalisiwe lomamukeli libonakala ngaphambi kokufaka i-PIN.
- Thumela kwamanye amanethiwekhi nasemabhange ngokuxhumana, izindleko zikhonjiswa ngokucacile kusenesikhathi.
- Cela imali, ukuze lowo okweletwayo aqale inqubo esikhundleni sokuxosha umuntu.
- Yamukela nge-QR: ikhodi yomuntu siqu noma ubani angayiskena ukuze akukhokhele.
- Ozithandayo nabavamile, ngoba ukudlulisela imali okuningi kuya kubantu abambalwa abafanayo.
Injini engaphansi kufanele ihlole ibhalansi, imikhawulo nezinga le-KYC ngaphambi kokubhala ukuthengiselana, futhi kufanele ibekezelele ukunqamuka koxhumano ngaphandle kokukhokhisa kabili. Leziziqinisekiso zihlala ku-ledger, hhayi ku-app.
3. Khokhela abathengisi nezikweletu ngaphandle kokuthayipha izinombolo ze-akhawunti
Izinkokhelo yizona ezenza i-wallet isetshenziswe nsuku zonke. Amakhasimende alindele ukukhokha esitolo ngenombolo ye-till noma nge-QR, ukukhokha ugesi noma imali yesikole ngenombolo yesikweletu, nokugunyaza isicelo sokukhokha esithunyelwe ngumthengisi ocingweni lwawo. Ngakunye kwalokhu kufanele kubonise okhokhelwayo ngaphambi kwe-PIN, ukuze iphutha lokuthayipha lingalokothi lithumele imali kumuntu ongaziwa.
Izikweletu ezigciniwe nemiyalelo emile kuguqula izinkokhelo zesikhathi esisodwa zibe imikhuba. I-wallet ekhumbula i-akhawunti kagesi futhi ikhumbuze ikhasimende ngaphambi kosuku lokukhokha ivulwa nyanga zonke.
4. I-airtime, idatha nokuthenga kwansuku zonke
Ukuthenga okuncane okwenzeka kaningi kugcina i-wallet isesandleni. I-airtime yakho noma yomunye umuntu, amaphakheji edatha nawezingcingo, kanye nokuvuselela i-inthanethi yasekhaya ne-TV konke kungapha. Kubukeka kulula, kodwa kuncike ekuxhumaneni okuthembekile nabaqoqi bezinsizakalo nokuphatha okucacile kokwehluleka: uma ukuthenga kwehluleka, imali kufanele ibuye ngokuzenzakalelayo, nomlayezo okusho lokho.
5. Yonga, boleka futhi ukhule
Izici ezenza i-wallet izwakale njenge-akhawunti yasebhange yizona ezigcina inani ngokuhamba kwesikhathi. Uhlu lwesimanje luhlanganisa:
- Amaphakethe okonga anezinhloso futhi, lapho ilayisensi ivumela khona, anenzalo noma imbuyiselo.
- Ukonga okukhiyiwe ukuze kube nesiyalo, kukhululwa ngosuku oluthile.
- Ukonga kweqembu kwama-chama nezinhlangano zokonga ezifana nama-stokvel, wonke amalungu ebona. Bona umhlahlandlela wethu ngama-chama edijithali.
- Imalimboleko encane nama-overdraft alinganiswa ngomlando we-wallet, akhokhwa ngokuzenzakalelayo emalini engenayo. Okuningi ku-ukuboleka kwedijithali kuma-wallet.
- Ukutshala imali njengemikhiqizo yemakethe yemali, enokusebenza nemithetho yokukhipha ecacile.
Ngamunye walaba uyiqoqo elihlukile lama-akhawunti nemithetho ku-ledger, kaningi kunebhange noma isikhwama sozakwethu ngemuva kwakho. Inkundla ethatha ukonga nemalimboleko njengemikhiqizo ephelele, hhayi izengezo nje, ikonga izinyanga zokuhlanganisa izinhlelo.
6. Izitatimende namarisidi abantu abawathembayo
Konke ukuthengiselana kudinga irisidi ecacile enenombolo yesithenjwa, igama lolunye uhlangothi, izindleko nebhalansi ngemuva kokuthengiselana. Isitatimende kufanele sivumele amakhasimende ukuthi asese, ahlunge futhi akhiphe, ngoba izitatimende yizona abantu abazikhombisa umninindlu, umbolekisi noma umcwaningimabhuku. Uma isitatimende nebhalansi kungavumelani noma kanye nje, ukwethemba kuyaphela.
7. Ukuphepha ikhasimende elikuzwayo
Ukuphepha kufanele kuqine ngaphandle kokukhathaza. Okubalulekile yi-PIN kuyo yonke inkokhelo, ukuvula ngezigxivizo zeminwe noma ubuso, ukubophela i-akhawunti kudivayisi ukuze i-SIM entshontshiwe yodwa ingenele, igama lomamukeli elibonakala ngaphambi kokuqinisekisa, nezexwayiso ezisheshayo kuyo yonke imali ephumayo. Ngemuva kwalokho kunemithetho yesivinini sokuthengiselana, ukuhlolwa kohlu lwezijeziso nokuqapha ukukhwabanisa amakhasimende angakuboni neze. Umhlahlandlela wethu wokuvimbela ukukhwabanisa uchaza lezi zilawuli ngokuningiliziwe.
8. Usizo ngaphakathi kwe-app
Amakhasimende abambeka emibuzweni embalwa efanayo: uthini umkhawulo wami, kungani lokhu kwehlulekile, ngilihlehlisa kanjani iphutha. Umsizi ongaphakathi kwe-app ongafunda ibhalansi nemikhawulo yekhasimende uqobo bese ephendula ngolimi olulula ususa ingxenye enkulu yezingcingo zosizo. Ukudlulisela kumuntu, nengxoxo inamathiselwe, kuxazulula okusele.
9. Finyelela ngale kwe-smartphone
Uhlu lwezici lwe-Afrika aluphelele ngaphandle kocingo olujwayelekile. Izinsizakalo ezifanayo, okungenani ukuthumela, ukukhokha, ukuthenga i-airtime nokubheka ibhalansi, kufanele zisebenze nge-USSD ku-ledger efanayo nangemikhawulo efanayo. Ama-ejenti afaka futhi akhiphe ukheshi ohlelweni. Bona ukufinyelela ocingweni olujwayelekile nge-USSD kanye namanethiwekhi ama-ejenti achaziwe.
Uhlu ngokufingqiwe
| Indawo | Okufanele kube khona ekuqaleni | Kwandisa ukunamathela kamuva |
|---|---|---|
| Ekhaya | Ibhalansi, izenzo ezisheshayo, abavamile | Izipesheli zomuntu siqu, ama-app amancane |
| Thumela futhi wamukele | P2P, amanye amanethiwekhi, ukucela, QR | Izinkokhelo ezihleliwe nezihlukaniswayo |
| Izinkokhelo | I-till, isikweletu, isicelo sokukhokha | Izikweletu ezigciniwe, imiyalelo emile |
| Ukuthenga | I-airtime nedatha | I-inthanethi, i-TV, izinsizakalo zomphakathi |
| Imikhiqizo yezimali | Iphakethe lokonga | Imalimboleko, ukonga kweqembu, ukutshala imali |
| Amarekhodi | Amarisidi nesitatimende | Ukukhipha, imiklomelo |
| Iziteshi | I-app ne-USSD | Iwebhu ne-API yabathuthukisi |
Imibuzo evame ukubuzwa
Yiziphi izici okufanele ziqale kuqala?
Lezo ezidala ukusetshenziswa kwansuku zonke: ukuthumela, ukukhokha esitolo, ukukhokha isikweletu, ukuthenga i-airtime, nesitatimende esicacile. Ukonga nemalimboleko kukhulisa ukwethembeka uma amakhasimende esethemba izinto eziyisisekelo.
Ingabe zonke izici kufanele zakhiwe ngaphakathi kwe-app?
Cha. Imenyu yezinsizakalo nama-app amancane akuvumela ukuthi wengeze imikhiqizo evela kozakwethu ngaphandle kokukhipha uhlobo olusha oluphelele. Okufanele kuhlale kuphakathi yi-ledger nemithetho, ukuze zonke izici zilandele imikhawulo efanayo.
Siyigcina kanjani i-app ilula njengoba izici zanda?
Gcina isikrini sokuqala sezinto ezimbalwa abantu abazenza kakhulu, qoqa okunye ngenhloso, futhi uvumele amakhasimende ukuthi aphine ozithandayo. Linganisa ukuthi yiziphi izenzo ezisetshenziswayo bese uzikhuphula noma uzehlisa ngokufanele.
I-PesaBridge ihlinzeka umongo walolu hlu (ukuthumela, ukukhokha, ukuthenga, ukonga, isikweletu, izitatimende nosizo ngaphakathi kwe-app) ku-app yayo yamakhasimende, ku-ledger eyodwa yokufaka kabili eyabelwana ne-USSD, ama-ejenti, abathengisi ne-API yabathuthukisi. Ungazama ama-app ekhasini elithi Hlola noma ubone yonke inkundla.