Iminyaka embalwa edlule ibe nokukhuphuka okukhulu kwezinhlelo zokukhokha zedijithali. Ngenxa yenguquko yedijithali, izinhlelo zokusebenza ze-wallet yeselula ziphethe imakethe yokukhokha ku-inthanethi futhi ziya ngokuya zincanyelwa ekwenzeni izinto ezisheshayo nezingenazingxabano. Futhi, kuyindlela elula yokususa isikhathi sokulinda sokukhokha izikweletu noma ukudlulisa imali.
Ama-wallet eselula nezinhlelo zokusebenza zokukhokha ziyiguqula ngendlela emangalisayo indlela esenza ngayo izinkokhelo. Sesivele singena ngesivinini sidlulela emhlabeni ongenamali, ongenakuxhumana, nowokukhokha ngesikhathi sangempela. Abasebenzisi manje sebengakwazi ukuhamba futhi bathenge cishe noma kuphi emhlabeni ngaphandle kwemali, futhi ngaphandle kwekhadi futhi! Kuncike, unedivayisi yomlingo nawe, i-smartphone.
Luyini Uhlelo Lokukhokha Lweselula futhi Lusebenza Kanjani?
Inkokhelo yeselula iwukuhunyushwa okuthuthukisiwe kwenkokhelo ephathekayo, lapho umuntu engagcina khona imali ukuze athenge amasevisi nemikhiqizo ehlukene. Umuntu angasebenzisa lesi sikhwama sedijithali kumakhalekhukhwini ngokuvele alande uhlelo lokusebenza futhi afake imininingwane ebalulekile njengegama, imininingwane yekhadi lesikweletu noma lasebhange, njll.
Iwalethi yeselula ingakwazi ukufaka esikhundleni samakhadi edebithi noma esikweletu kanye nemali ngokuvumela amakhasimende ukuthi akhokhe noma yikuphi ngokuthepha okukodwa. Lezi zinhlobo zokukhokha zinikeza amakhasimende ithuba lokuthenga imikhiqizo ku-inthanethi nokudlulisa imali ngokushesha.
Izinkokhelo zamaselula zisebenza ngokusebenzisa ubuchwepheshe obunamandla be-NFC (Near-Field Communications) noma ubuchwepheshe be-QR. Bagcina imininingwane yokukhokha yekhasimende ngefomethi efakwe ikhodi ngezizathu zokuphepha. Ezinye zezinhlelo zokusebenza ezingcono kakhulu ze-digital wallet ziphinde zivumele amakhasimende ukuthi athenge izimpahla ngaphakathi kohlelo lokusebenza ngokunikeza amakhuphoni, izaphulelo, namanye amakhadi okwethembeka noma izinhlelo zokugcina abasebenzisi bebambekile.
Kungani Izinhlelo Zokukhokha Zeselula Zidumile?
Uhlelo lokusebenza lokukhokha lweselula lunikeza isixazululo sokukhokha esivikelekile nesithembekile futhi luqinisekisa ukuthi ukuthengiselana kwenzeka ngokushesha. Izinkokhelo zamaselula zikuvumela ukuthi uthumele ukheshi kusuka ku-smartphone yakho, kungaba komunye umuntu noma endaweni yokukhokha ngokuchofoza inkinobho, okwenza okwenzayo kusheshe futhi kube lula.
Izici Eziyisi-7 Ezibalulekile okufanele Zifakwe Ezinhlelweni Zokukhokha Zeselula
Nazi ezinye izinto okufanele uzicabangele ngenkathi uthuthukisa uhlelo lokusebenza lokukhokha ngeselula lebhizinisi lakho:
1. Ukusebenziseka Kalula Nokwenziwe Okungenazihibe
Ukucubungula inkokhelo ngenkokhelo yeselula kuyashesha futhi abushelelezi. Okufanele ukwenze nje ukuxhumanisa ikhadi lakho ledebithi/lesikweletu kanye nedokhumenti evumelekile nezinhlelo zokusebenza ze-e-wallet. Igcina imininingwane yakho ukuze iqinisekiswe futhi ikunikeza okwenziwayo okuphephile nokungenazihibe noma kuphi nanoma nini emhlabeni. Abasebenzisi bangaphinda bavumelanise idatha yabo namadivayisi amaningi ukuze basebenzise i-e-wallet kumagajethi ambalwa.
2. Idizayini Esebenzisanayo Nebushelelezi ye-UI/UX
Idizayini ye-UI/UX idlala indima ebalulekile ekuzibandakanyeni komsebenzisi. Umklamo okhangayo wesikhwama semali yeselula ungakhanga umsebenzisi futhi ukhuthaze ukusebenzisana nokuduma. Ukuqinisekisa ukuthi uhlelo lokusebenza lusebenziseka kalula futhi kulula ukulisebenzisa, umuntu kufanele acabangele ukwakheka kwe-UI/UX njengengxenye ebalulekile yokuthuthukiswa kohlelo lokusebenza lweselula. Isiza ekubandakanyekeni okungcono nasekufundekeni kohlelo lwakho lokusebenza kubasebenzisi.
3. Ubuchwepheshe obusekelwe efwini
Ngalesi sici, ukuthengiselana okusheshayo kungenzeka ngendlela evikelekile. Ubuchwepheshe obusekelwe emafini bunikeza amakhasimende isu eligcwele lamakhono okuguqula ama-smartphone wabo abe amawallet edijithali. Isibonelo, inkokhelo eyenziwe ngokuthepha okulula kumatheminali Endawo Yokuthengisa (POS) yenza inqubo yokukhokha ibe lula kubathengisi, abakhiphi, nabathengi ngokufanayo.
4. GPS Tracking & Navigation
Namuhla, ukusebenza kwe-e-wallet kuvumela noma yimuphi umuntu noma ibhizinisi ukuthi lamukele izinkokhelo zeselula noma ngabe ukuphi. Ngenxa ye-geolocation, ukulandelela i-GPS nokuzulazula kungenye yezici ezibalulekile ezakhelwe ngaphakathi zohlelo lokusebenza lwe-e-wallet.
Ngosizo lwe-GPS, abasebenzisi bangakwazi ukuthola abantu kumadivayisi abo futhi benze inkokhelo ngokuthepha nje egameni elithile lomsebenzisi. Isici sisiza ukonga isikhathi njengoba kungekho lwazi lwe-akhawunti oludingekayo, futhi umsebenzi wenziwa kahle.
5. Ukuhlanganiswa Kwedivayisi Okugqokekayo
Ubuchwepheshe obugqokekayo abukhawulelwe nje kuzilandeleli zokufaneleka, amawashi ahlakaniphile, noma ubucwebe obuhlakaniphile, kodwa futhi isinyathelo esilandelayo esinengqondo sezinkokhelo zeselula. Ngokusho kweTractica, izinkokhelo ezigqokekayo zizokhula zifinyelele ezigidini ezingama-500 zamaRandi kulo nyaka wezi-2020, zisuka ku-$3 billion ngo-2015.
Njengamakhadi edebithi/esikweletu angaxhunywanga, amagajethi okukhokha agqokekayo aqukethe i-chip ye-Near Field Communication (NFC). Le chip ithinta i-chip esifundweni sekhadi endaweni yokuthengisa, ivumela ukuthenga okulula.
6. Ukuhlaziywa Kwezindleko
Ukuhlaziya ukusetshenziswa kwemali kuyithuluzi elengeziwe okufanele ulifake kuhlelo lwakho lokusebenza lwe-wallet yeselula ukuze uvumele abasebenzisi ukuthi bahlole indlela abasebenzisa ngayo imali. Ikhuthaza abasebenzisi ukuthi bahlele indlela abasebenzisa ngayo imali kangcono futhi balinganisele izindleko zabo lapho kudingeka khona.
7. Ubumfihlo Nokuvikeleka
I-e-wallet ilindele ukuthi abasebenzisi bagcine imininingwane yekhadi labo futhi bafake amaphasiwedi abo. Ngakho-ke, esinye sezici ezibaluleke kakhulu zama-e-wallets ukugcina le datha ngokuphepha. Njengoba izinhlelo zokusebenza ze-wallet zihlale ziyizigebengu ezithambile, abathuthukisi bohlelo lokusebenza lwewalethi yeselula kufanele bakhe uhlelo lokusebenza oluvikelwe ngephasiwedi olunezici ezifana nezigxivizo zeminwe, i-OTP, nekhodi ye-QR ukuze kuqinisekiswe okufanele nokuqinisekiswa ngaphezu kokudluliselwa kwenkokhelo okuphephile, okusheshayo, nokuphumelelayo.
Isiphetho
Izici ezibalulekile ezishiwo ngenhla kulesi sihloko zigcizelela ukubaluleka kokwakha uhlelo lokusebenza lokukhokha lweselula olugxile kumakhasimende elenza ukuthengiselana kube lula futhi kusheshe. Njengoba isetshenziswa kabanzi kuma-invoyisi e-elekthronikhi, ukuphepha kwe-akhawunti, kanye nokwenziwe okungenamaphutha, izikhwama zamaselula ziya ngokuya ziba isici esifunwa kakhulu ngamabhizinisi namakhasimende ngokufanayo.
Uma unombono wokuthuthukisa uhlelo lokusebenza lokukhokha leselula lebhizinisi lakho, Xhumana nathi!