Makore mashoma apfuura akaona kukwira kwakanyanya kwemadhijitari ekubhadhara masisitimu. Nekuda kweshanduko yedhijitari, nharembozha wallet maapplication anotonga pamusika wekubhadhara wepamhepo uye ari kuwedzera kufarirwa kukurumidza uye pasina kupokana. Zvakare, inzira iri nyore yekubvisa nguva yekumirira kubhadhara mabhiri kana kutamisa mari.
Nharembozha wallet uye maapplication ekubhadhara ari kushandura zvakanyanya nzira yatinoita kubhadhara. Isu tave kutopinda munzira kuenda kune isina mari, isina contact, uye chaiyo-nguva yekubhadhara nyika. Vashandisi vanogona ikozvino kufamba uye kutenga chero kupi zvako munyika vasina kana mari, uye vasina kadhi futi! Kupihwa, iwe unongove nemashiripiti mudziyo newe, smartphone.
Chii chinonzi Mobile Payment App uye Inoshanda Sei?
Kubhadhara kwenhare ishanduro yepamusoro yekubhadhara kwemuviri, uko munhu anogona kuchengeta mari yekutenga masevhisi akasiyana uye zvigadzirwa. Mumwe anogona kushandisa ichi chikwama chedhijitari parunhare mbozha nekungo dhawunirodha application uye nekuisa ruzivo rwakakosha senge zita, kiredhiti kana kiredhiti kadhi ruzivo, nezvimwe.
Chikwama chenhare chinokwanisa kutsiva kiredhiti kana makadhi echikwereti nemari nekungobvumira vatengi kubhadhara chero kupi nepombi imwe chete. Aya marudzi ekubhadhara anopa vatengi mukana wekutenga zvigadzirwa pamhepo uye kuendesa mari ipapo.
Kubhadhara kwenhare kunoshanda nekushandisa tekinoroji yeNFC (Near-Field Communications) kana tekinoroji yeQR. Vanochengeta ruzivo rwekubhadhara kwemutengi mune encoded fomati nekuda kwezvikonzero zvekuchengetedza. Mamwe emhando yepamusoro dhijitari wallet maapplication anoitawo kuti vatengi vatenge zvinhu mukati meapp nekupa makuponi, zvidzoreso, uye mamwe makadhi ekuvimbika kana zvirongwa zvekuchengetedza vashandisi.
Sei Mobile Payment Apps ichizivikanwa?
Iyo mobile yekubhadhara app inopa yakachengeteka uye yakavimbika yekubhadhara mhinduro uye inova nechokwadi chekuti kutengeserana kunoitika nekukurumidza. Kubhadhara kwenharembozha kunoita kuti utumire mari kubva ku smartphone yako, kungave kune mumwe munhu kana kune yekubhadhara terminal nekudzvanya bhatani, zvichiita kuti kutengeserana kwako kuve nyore uye nyore.
7 Makiyi maficha ekusanganisira muMobile Payment Mapurogiramu
Heano zvimwe zvinhu zvekufunga nezvazvo paunenge uchigadzira yakanakisa yekubhadhara mbozha app yebhizinesi rako:
1. Kusununguka kweKushandisa & Seamless Transaction
Kugadzirisa mubhadharo kuburikidza nekubhadhara kwenharembozha kunokurumidza uye kwakatsetseka. Chaunofanirwa kuita kubatanidza kadhi rako rechikwereti/kiredhiti uye gwaro rinoshanda ne e-wallet apps. Iyo inochengetedza ruzivo rwako kuti ive yechokwadi uye inopa yakachengeteka uye isina musono kutengeserana chero kupi uye chero nguva munyika. Vashandisi vanogona zvakare kuwiriranisa data ravo nemidziyo yakawanda kushandisa e-wallet pane akati wandei.
2. An Interactive uye Smooth UI / UX Dhizaini
UI / UX dhizaini inoita basa rakakosha mukuita kwevashandisi. Iyo inoyevedza mobile wallet dhizaini inogona kukwezva mushandisi uye kukurudzira kudyidzana uye mukurumbira. Kuti ive nechokwadi chekuti app iri nyore kushandisa uye iri nyore kushandisa, munhu anofanirwa kufunga nezveUI/UX dhizaini sechikamu chakakosha chekuvandudza nharembozha. Inobatsira mukuita zvirinani uye kuverenga kweapp yako kune vashandisi.
3. Cloud-based Technology
Nechimiro ichi, kukurumidza kutengeserana kunogoneka nenzira yakachengeteka. Iyo tekinoroji-yakavakirwa gore inopa vatengi iyo yakazara sutu yekugona kushandura mafoni avo kuita mawallet edhijitari. Semuyenzaniso, mubhadharo wakaitwa nepombi iri nyore paPoint of Sale (POS) zviteshi zviri kurerutsa maitiro ekubhadhara kune vatengesi, vanopa, uye vatengi zvakafanana.
4. GPS Tracking & Navigation
Mazuva ano, kushanda kwe e-wallet kunobvumira chero munhu kana bhizinesi kugamuchira kubhadhara kwenharembozha zvisinei kuti varipi. Kutenda kune geolocation, GPS yekutevera & kufamba ndechimwe chezvinhu zvakakosha mu-zvakavakwa maficha e-wallet app.
Nerubatsiro rweGPS, vashandisi vanogona kutsvaga vanhu pamidziyo yavo uye kuita mubhadharo nekungobaya pazita chairo remushandisi. Iyo ficha inobatsira kuchengetedza nguva sezvo pasina ruzivo rweakaundi inodiwa, uye kutengeserana kunoitwa nemazvo.
5. Wearable Device Integration
Tekinoroji inopfeka haingogumiri kune matracker ekusimba, smartwatches, kana zvishongo zvakangwara, asi zvakare inhanho inotevera ine musoro yekubhadhara nhare. Sekureva kweTractica, kubhadhara kunopfekeka kuchakura kusvika pamadhora mazana mashanu emadhora panosvika gore rino 500, kubva pamadhora mazana matatu emadhora muna 2020.
Kungofanana nemakadhi echikwereti asingabatike, midziyo yekubhadhara inopfekwa ine Near Field Communication (NFC) chip. Iyi chip inobata chip muverengi wekadhi panzvimbo yekutengesa, ichigonesa kutengeserana kuri nyore.
6. Kuongorora Kwekushandisa
Kuongorora kwekushandisa chimwe chishandiso chaunofanirwa kuisa mune yako mobile wallet app kuti vashandisi vaone mashandisiro avanoita. Inokurudzira vashandisi kuronga kushandisa kwavo zvirinani uye kudzikisira mashandisiro avo pese pazvinenge zvichidiwa.
7. Yakavanzika & Chengetedzo
E-wallet inotarisira vashandisi kuchengetedza ruzivo rwekadhi ravo uye kuisa mapassword avo. Saka, chimwe chezvinhu zvinonyanya kukosha zvee-wallet kuchengetedza iyi data zvakachengeteka. Sezvo mawallet maapps anogara ari akapfava kunangwa kune vanoba, mobile wallet app vagadzirisi vanofanirwa kugadzira password-yakachengetedzwa app ine maficha akaita sezvigunwe, OTP, uye QR kodhi yechokwadi chaiyo uye kusimbiswa mukuwedzera kune yakachengeteka, inokurumidza, uye inoshanda yekubhadhara.
mhedziso
Iwo akakosha maficha ataurwa pamusoro apa muchinyorwa chino anosimbisa kukosha kwekuvaka mutengi-centric mobile yekubhadhara app inoita kuti kutengeserana kuve nyore uye nekukurumidza. Kushandiswa zvakanyanya kumainvoice emagetsi, kuchengetedzeka kweakaunti, uye zvikanganiso-pasina kutengeserana, nharembozha dziri kuramba dzichiva chinhu chinonyanya kutsvakwa nemabhizinesi nevatengi zvakafanana.
Kana iwe uine pfungwa yekugadzira nharembozha yekubhadhara app yebhizinesi rako, taura nesu!