Cabanga ngesiqalo esincane se-e-commerce eNingizimu Melika sizama ukunweba ibhizinisi laso siye eYurophu, ukuze sibhekane nezindleko ezimba eqolo, izikhathi ezinde zokucubungula, kanye nokukhungatheka kokuzulazula kwemithetho yamazwe ngamazwe eyinkimbinkimbi. Lezi zinselele akuzona nje iziphazamiso ezincane; ziyizithiyo ezibalulekile ezithiya ukukhula nokuchuma kwamabhizinisi emhlabeni wonke.

Ngokungafani nezindlela zamabhange ezijwayelekile ezithembele emagatsheni aphathekayo, ama-IBAN abonakalayo asebenzisa ukuqamba okusha kwedijithali ukuze eqe imingcele yendawo kalula. Kulesi sihloko, sizofunda mayelana nezisekelo zama-IBAN abonakalayo, kanye nezinzuzo zawo, futhi sihlole ukuthi aziguqula kanjani izinkokhelo eziwela imingcele.

Okuyisisekelo kwama-IBAN abonakalayo

Ithini i-akhawunti ye-IBAN?

I-IBAN imele i-International Bank Account Number, futhi iwuhlelo olujwayelekile olusetshenziselwa ukuhlonza ama-akhawunti asebhange emhlabeni wonke. Iqukethe ikhodi eyingqayizivele ekhomba ibhange elithile kanye ne-akhawunti ethile ephethwe yilelo bhange. Ama-IBAN asetshenziselwa ukudluliselwa kwemali kwamanye amazwe, njengoba esiza ekuqinisekiseni ukuthi izimali zithunyelwa ngendlela efanele i-akhawunti yasebhange, ezweni elilungile.

Uyini umehluko phakathi kwama-IBAN abonakalayo nawendabuko?

I-IBAN ebonakalayo noma i-vIBAN ifana ne-IBAN evamile ngokubukeka nokusebenza. Zombili zisiza ekuhambiseni izinkokhelo zamazwe ngamazwe. Nokho, nakuba i-IBAN evamile ihambisana ne-akhawunti yasebhange eyodwa kuphela emhlabeni wonke futhi iqondisa zonke izinkokhelo zaphesheya kuleyo akhawunti, umnikazi we-IBAN obonakalayo angaba nama-vIBAN amaningi ahlukile ngezinhlobo zemali ezihlukahlukene. 

Lawa ma-vIBAN athumela izinkokhelo ku-akhawunti eyodwa ehlanganisiwe. Ungacabanga nge-vIBAN njenge-akhawunti encane exhunyiwe ye-akhawunti enkulu emaphakathi, evumela ukukhokha kwamanye amazwe phakathi kwezikhungo zezimali zihlukaniswe, zihanjiswe ngendlela, futhi zamukelwe kahle.

Asebenza kanjani ama-IBAN abonakalayo?

Ama-IBAN abonakalayo ayindlela elula yokuphatha ukuthengiselana okuwela imingcele. Okokuqala, izikhungo zezezimali zikhipha ama-IBAN abonakalayo uma zicelwa, zenza ama-akhawunti edijithali aklanyelwe ukuthengiselana okuwela imingcele. 

Uma kuziwa ekukhokheleni umzila, ama-IBAN abonakalayo asebenzisa ubuchwepheshe obuthuthukisiwe ukuze adlulisele izimali ngokushesha nangokuvikelekile. Ukuthengiselana kuqaliswa ngezinkundla zedijithali, okwenza kube lula ukuhambisa imali phakathi kwama-akhawunti kungakhathaliseki indawo. 

Ukuvikeleka kubaluleke kakhulu ekwenziweni kwemingcele, futhi ama-IBAN abonakalayo athatha lokhu ngokungathi sína ngokusebenzisa izivumelwano zokubethela eziqinile nezindlela zokuqinisekisa. Njengoba kunezinyathelo zokuphepha ezithuthukisiwe, ulwazi lwezezimali olubucayi lugcinwa luphephile, lunikeza ukuthula kwengqondo kubasebenzisi.

Izinzuzo ze-akhawunti ye-IBAN ebonakalayo yebhizinisi

Ama-IBAN abonakalayo anikeza izinzuzo ezimbalwa kunezindlela zokubhanga ezivamile.

Isikhathi sokucubungula esisheshayo

Ama-IBAN abonakalayo asheshisa ukucutshungulwa kokuthenga kwemingcele, asusa ukubambezeleka okuhlobene izinkokhelo zemingcele ngezindlela zokubhanga zendabuko. Ngokudluliswa kwemali ngokushesha, amabhizinisi angasebenzisa amathuba ngaphandle kokuvinjelwa ama-red tape.

Izinkokhelo ezehlisiwe 

Ngokudlula amabhange angumlamuli, ama-IBAN abonakalayo angehlisa kakhulu izinkokhelo zomsebenzi, okuvumela amabhizinisi ukuthi abele izinsiza zawo ngempumelelo kakhudlwana futhi andise inzuzo yawo ezimakethe zomhlaba. 

Ukufinyeleleka okukhulisiwe 

Abahlinzeki be-IBAN ababonakalayo benza intando yeningi ukufinyelela ezinsizeni zebhange eziwela imingcele kanye nemisebenzi, benikeza amandla abantu ngabanye namabhizinisi abo bonke osayizi ukuba babambe iqhaza emnothweni womhlaba. Noma ngabe usomabhizinisi owethula isiqalo noma inkampani yamazwe ngamazwe enweba ukusebenza kwayo, ama-IBAN abonakalayo anikeza amathuba alinganayo okukhula kwezimali.

Ukungafihli okuthuthukisiwe nokulawula okwenziwayo

Ama-IBAN abonakalayo ahlinzeka abasebenzisi ngokubonakala kwesikhathi sangempela kokwenziwe kwabo, athuthukisa ukubonakala nokuziphendulela. Ngezici zokubika eziphelele nezilawuli ezingenziwa ngendlela oyifisayo, abasebenzisi bangaqapha izimali zabo eduze futhi banciphise ubungozi obungaba khona.

Ishintsha izimboni ezinama-IBAN abonakalayo

Abahlinzeki be-IBAN ababonakalayo bahola uguquko ezimbonini ezihlukahlukene ngokwenza lula ukuthengiswa kwemingcele nokuvula amathuba amasha okukhula emhlabeni wanamuhla oxhumene. Ake sihlole imikhakha ethile lapho ama-IBAN abonakalayo edala izinguquko eziguqukayo:

I-1 Ezentengiselwano

Ama-IBAN abonakalayo asephenduke amathuluzi abalulekile amabhizinisi e-e-commerce azulazula ezinkingeni zokuthengiswa komhlaba wonke kanye nokuthola izinkokhelo zamazwe ngamazwe. Ngomhlinzeki we-IBAN obonakalayo, abathengisi bangakwazi ukwamukela izinkokhelo ngaphandle komthungo ezivela kumakhasimende emhlabeni wonke, basuse imigoqo ebangelwa izindlela zamabhange ezivamile. 

Isibonelo, umthengisi wezingubo ozinze e-Italy angakwazi ukucubungula izinkokhelo ezivela kumakhasimende ase-United States, Europe, nangale kwawo, ngaphandle kokucindezelwa izinkokhelo zokuguqulwa kwemali noma izikhathi zokucubungula ezinde.

Kulesi simo, ama-IBAN abonakalayo adumile nabahlinzeki benkonzo yezezimali abafana ne-Wise noma i-Payset bahlinzeka abathengisi ngama-akhawunti abonakalayo ahlonyiswe ngamakhono emali eningi, okubenza bakwazi ukwamukela izinkokhelo ngezinhlobo zemali ezihlukahlukene.

I-2. Ukusebenza kabusha

Ama-freelancers asebenza endaweni yedijithali engenamngcele, esebenzisana namakhasimende kuwo wonke umhlaba. I-Virtual IBANs iguqule imboni yezohwebo ngokusiza ukukhokha okungenazihibe phakathi kwama-freelancers namakhasimende emhlabeni jikelele. 

Isibonelo, umklami wezithombe e-India osebenzisana ne-ejensi yokumaketha e-United Kingdom. Ngokusebenzisa ama-IBAN abonakalayo, i-ejensi ingadlulisela kalula izinkokhelo ku-akhawunti yesisebenzi esizimele e-India, iqinisekise isinxephezelo esifike ngesikhathi futhi ikhuthaze ubambiswano oluzuzisayo.

3. Izinkonzo ezifunwayo

Amasevisi adingeka kakhulu ancike kakhulu kubasebenzi bamazwe ngamazwe ukuze bahlangabezane nezidingo zesisekelo samakhasimende somhlaba wonke. Abahlinzeki be-Virtual be-IBAN benza lula izinkokhelo kubasebenzi bamazwe ngamazwe, baqinisekise ukuthengiselana okusheshayo nokuvikelekile. 

Thatha, isibonelo, inkampani yokwabelana ngokugibela esebenza emazweni amaningi. Ngu isebenzisa idatha yamakhasimende kanye nama-IBAN abonakalayo azuzayo, inkampani ingakhipha izinzuzo ngempumelelo kubashayeli abasezifundeni ezihlukene, ithuthukise ukusebenza kahle kanye nokugcina ukwaneliseka kwabashayeli.

Ikusasa lezinkokhelo eziwela imingcele

Ikusasa lezinkokhelo eziwela imingcele libukeka lithembisa ngokuvela kwama-IBAN abonakalayo. Ngezansi sigqamisa izinzuzo ezibalulekile zama-IBAN abonakalayo ashayela lolu shintsho: 

• Ukwanda kokufakwa kwezezimali emhlabeni jikelele

Ama-IBAN abonakalayo angadiliza izithiyo ezivamile ezinsizeni zamabhange, ezingathuthukisa kakhulu ukufakwa kwezimali emhlabeni jikelele. Ngezixazululo ezingabizi kakhulu zemisebenzi ewela imingcele, abantu ngabanye namabhizinisi asezindaweni ezingagcinwanga kahle bangabamba iqhaza ngempumelelo enkulu emnothweni womhlaba. Lokhu kunganika amandla imiphakathi ebincishwe amathuba phambilini ukuthi ikwazi ukufinyelela emathubeni okukhula komnotho kanye nempumelelo. 

• Ukukhuphuka kohwebo olungenamngcele

Abahlinzeki be-Virtual IBAN basiza ukukhokha kalula kwemingcele, okwenza kube lula kumabhizinisi ukwandisa ukufinyelela kwawo ezimakethe ezintsha. Njengoba imingcele yendawo ingasenazithiyo ekuhwebeni nasekuthengiseni, silindele ukwanda kohwebo nokusebenzisana kwamazwe ngamazwe. 

Ukwakheka kwezwe okulawulwayo kwama-IBAN

Ukwakheka kwezwe kokulawula kwama-IBAN kungaba nzima, kodwa kubalulekile ukuqonda ukuthi ama-IBAN ayifomethi emisiwe yezinombolo ze-akhawunti yasebhange. Ukuze unikeze ama-IBAN, inkampani ye-fintech izodinga ukugunyazwa ukuhlinzeka ngezinsizakalo zasebhange. Lokhu ngokuvamile kuhilela ukuthola ilayisensi yasebhange kuziphathimandla ezifanele zokulawula.

Izimfuneko ezithile zokuthola ilayisensi yasebhange zingahluka kuye ngezwe kanye negunya lokulawula okukhulunywa ngalo. Nokho, inqubo yesicelo ngokuvamile ihilela ukubonisa ukuzinza kwezezimali, ukuthobela imithetho emelene nokukhwabanisa kwemali (i-AML) kanye nemithetho ye-know-your-customer (KYC), kanye nezinye izindlela. Ama-Fintechs angase futhi adinge ukuba nezinga elithile lemali egciniwe, kanye nethimba elinolwazi lokubhanga nokuhambisana.

Uma abakwa-fintech sebethole ilayisense yasebhange, sebengakwazi ukunikeza amakhasimende abo ama-IBAN, kanye nezinye izinsiza zasebhange ezifana nezinkokhelo, amadiphozithi, nokuboleka. Kodwa-ke, kubalulekile ukuqaphela ukuthi ukunikeza izinsizakalo zebhange kuza nezibopho ezibalulekile zokulawula. Lokhu kuhlanganisa ukuhambisana okuqhubekayo nemithetho ye-AML/KYC nezinye izidingo zokubika zezimali.

Ukuzulazula kulezi zidingo zokulawula, i-fintechs ingasebenzisana eduze namathimba ezomthetho nokuthobela ukuze kuqinisekiswe ukuthi ahlangabezana nazo zonke izindinganiso nemithethonqubo edingekayo. Bangase futhi batshale kwezobuchwepheshe nengqalasizinda ukuze basekele amabhange abo kanye nohlangothi lwezinsizakalo zezezimali, okuhlanganisa nezinyathelo zokuphepha eziqinile zokuvikela idatha yekhasimende kanye nemisebenzi yezezimali.

Ngokusebenzisa ubuchwepheshe obuthuthukisiwe kanye nokuqanjwa kwedijithali, ama-IBAN abonakalayo anikeza ukunethezeka okungenakuqhathaniswa, isivinini, kanye nokukhanyela ezinkokhelweni eziwela imingcele. Amabhizinisi nabantu ngabanye ngokufanayo banikwe amandla okuzulazula ezinkingeni zezimali zamazwe ngamazwe kalula, bavule amathuba amasha okukhula nokuchuma.

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• Source: https://sdk.finance/how-virtual-ibans-are-revolutionizing-cross-border-transactions/