Futhi kanjalo bakwethu
ama-wallet ashintshile ukusuka kubangane besikhumba kuya emigqeni yekhodi. Lokhu okusha
ukunethezeka, nokho, kuza neqiniso elijabulisayo: ukuthengiselana nge-inthanethi kuyi-a
okuhloswe kakhulu kuzo izigebengu ze-inthanethi. Izigxobo ziyakhula. Ukuqagela okwethusayo
khombisa ukulahleka kokukhwabanisa kokukhokha ku-inthanethi kuzokwanda eminyakeni ezayo,
okungenzeka ukuthi ifinyelele ezigidini ngesilinganiso sokukhula esiqagelayo esidlula ama-40%
phakathi kuka-2023 no-2028. Ngo-2022 kuphela, ukulahlekelwa komhlaba wonke
ifinyelele ku-$41 million, futhi ochwepheshe babikezela ukwenyuka okungenangqondo kuze kufike ku-$91
billion ngonyaka ka-2028.
Umbuzo-ke uthi,
iba yinto ebucayi: ingabe izindlela zethu zokukhokha eziku-inthanethi ziyizinqaba ezisivikelayo
ukuphepha kwezezimali, noma ompompi nje abakhafulela ulwazi olubucayi endaweni enkulu
digital ayaziwa?
Ukukhokha Ngelungelo
Card
Umugqa wethu wokuqala we
ukuzivikela kusekukhetheni izindlela zokukhokha eziphephe kakhulu. Amakhadi esikweletu, i
oshampeni asebenesikhathi eside bezohwebo ku-inthanethi, banikeza isendlalelo sokuvikela njengabaningi
abakhiphi abahlonishwayo basebenzisa amasistimu okuthola ukukhwabanisa aqapha okwenziwayo
umsebenzi osolisayo. Kanjalo, esimweni esingesihle sokukhokhiswa okungagunyaziwe,
isikweletu ngokuvamile siwela kokhiphayo, hhayi wena, unciphisa imali
ukulahlekelwa. Nokho, amakhadi esikweletu afika ne-caveat: isilingo sokusebenzisa imali ngokweqile.
Kulabo abafuna ukulawula okuqinile, amakhadi edebithi ahlinzeka ngesixhumanisi esiqondile sakho
ukuhlola i-akhawunti, ukuqinisekisa ukuthi awuduki ngaphezu kwamandla akho. Khumbula nje,
amakhadi edebithi angase anikeze ukuvikelwa kokukhwabanisa okuqinile uma kuqhathaniswa namakhadi esikweletu.
Amakhadi esikweletu abonakalayo, ku
ukuphenduka, kusebenza njengezihlangu zedijithali, ezinikeza ungqimba lwesikhashana lokuzivikela
imininingwane yekhadi lakho lesikweletu eliyisisekelo. Ikhishwe amanye amabhange kanye nezezimali
izikhungo, lawa makhadi aziqhenya ngemininingwane eyingqayizivele njengezinombolo zamakhadi nama-CVV,
yakhelwe ngokukhethekile ukuthenga okukodwa ku-inthanethi. Le ndlela eqondisiwe
inciphisa ukuwa okungaba khona okuvela ekuphulweni kwedatha kumthengisi ongajwayelekile.
Uma inombolo yekhadi elibonakalayo iwela ezandleni ezingalungile, umonakalo uqukethwe,
ngokungafani nekhadi lesikweletu lendabuko elonakele. Ukwengeza, amakhadi virtual ngokuvamile
woza nekhono lokubeka imikhawulo yokusebenzisa imali, okukuvikela nakakhulu
ama-splurges asheshayo aku-inthanethi.
Okokugcina, kukhona njalo
amakhadi akhokhelwa kusengaphambili anikeza inzuzo ehlukile
abathengi be-inthanethi abanomqondo wesabelomali. Nakuba kungeyona indawo eqondile yendabuko
amakhadi edebithi, amakhadi akhokhelwa ngaphambili ahlinzeka ngesendlalelo sobumfihlo bokwenziwe nge-inthanethi.
Lokhu kukuvumela ukuthi ulayishe inani elithile lemali ngaphambili, ukuqinisekisa ukuthi unakho
ukusetshenziswa kwemali kuhlala kuqinile ngaphakathi kwemikhawulo yesabelomali sakho esinqunyiwe. Ngaphezu kwalokho,
ngokungafani namakhadi edebithi adonsa ngokuqondile ku-akhawunti yakho yokuhlola, amakhadi akhokhelwa ngaphambili
nikeza inetha lokuphepha ngoba uma ikhadi lilahlekile noma lebiwe, kuphela elilayishwe ngaphambili
izimali zisengozini, ngaleyo ndlela zinciphise ukulahlekelwa kwezimali. Lesi sici can
futhi nginxuse labo abancamela ukugcina ubunikazi babo be-inthanethi kanye nebhange
imininingwane ye-akhawunti ihlukene.
I-Digital Wallet futhi Kungani
I-Payments Matter Ebethelwe
Okwangempela
eqaphela ukuphepha, izikhwama zedijithali ezifana ne-Apple Pay ne-Google Pay nikeza isendlalelo esengeziwe
yokubethela. Lezi zixazululo zenza ikhadi lakho libe uphawu
ulwazi, ukudala okubambele okubonakalayo abathengisi abangakaze bakubone. Lokhu
kunciphisa kakhulu ubungozi bokuchayeka uma ukwephulwa kwedatha kwenzeka. Kodwa bakhona
wallets digital ikhambi-konke? Hhayi impela. Ukuthembela kwabo kuma-smartphone kuyangenisa
ubungozi obusha: ukuphepha ngokomzimba. Ukuqinisekisa ukuthi ifoni yakho ivikelekile
ngephasikhodi eqinile nokusebenzisa izindlela zokuqinisekisa ezengeziwe ezifana
izigxivizo zeminwe noma ukubonwa kobuso kubalulekile kulabo abafuna ukushintsha amadivaysi abo
egumbini elingaphansi langempela.
Indlela Yokugwema Inkokhelo Ye-inthanethi
imikhonyovu
Ngaphandle kwezindlela zokukhokha,
iso elibukhali libalulekile ekuhlonzeni nasekugwemeni imikhonyovu eku-inthanethi. Ubugebengu bokweba imininingwane ebucayi
ama-imeyili, afihlwe njengokuxhumana okusemthethweni okuvela emabhange noma abathengisi, a
isikhali esivamile ku-arsenal yomkhohlisi. Lawa ma-imeyili avame ukukunxusa ukuthi uchofoze
isixhumanisi esinonya noma landa isinanyathiselwa esithelela idivayisi yakho ngaso
uhlelo olungayilungele ikhompuyutha, eklanyelwe ukweba ulwazi lwakho lwezezimali. Nawu umthetho wegolide:
Ungalokothi uchofoze izixhumanisi noma uvule okunamathiselwe kuma-imeyili angacelwanga, ngisho noma kunjalo
kubonakala sengathi uvela emthonjeni othembekile. Uma i-imeyili iphakamisa izinsolo, xhumana ne
umthumeli ngokuqondile ngenombolo yocingo eqinisekisiwe noma iwebhusayithi ukuze uqinisekise
ukuba semthethweni.
Elinye ifulegi elibomvu ku
watch for iminikelo engaceliwe ebonakala inhle kakhulu ukuthi ingaba yiqiniso. Uma ku-inthanethi
isitolo sikhangisa amanani aphansi ngendlela engakholakali ezintweni ezidumile, kungenzeka a
olungaphambili lwesonto. Yenza ucwaningo lwakho ngaphambi kokuhlukana nemali oyisebenze kanzima. Funda ku-inthanethi
ukubuyekezwa, hlola iwebhusayithi yomthengisi ukuthola izinkomba ezisemthethweni njenge-physical
ikheli kanye nolwazi lokuxhumana, futhi uqinisekise ukuthi iwebhusayithi isebenzisa ukuphepha
uxhumano (bheka isiqalo se-HTTPS kubha yekheli). Khumbula, enempilo
umthamo wokungabaza ukuzivikela kwakho okuhle kakhulu ebuqilini be-inthanethi.
Indlela Yokukhetha Okungcono Kakhulu
Amaphasiwedi
Manje njengoba usukhethe a
indlela yokukhokha evikelekile futhi yathuthukisa amakhono akho okuthola umkhonyovu, ake siqinise eyakho
ukuzivikela kwedijithali nakakhulu. Amaphasiwedi aqinile ayinsika ye-inthanethi
ezokuphepha. Melana nesifiso sokuphinda usebenzise iphasiwedi efanayo kuma-akhawunti amaningi.
Kunalokho, dala amagama ayimfihlo ahlukile enkundla ngayinye, usebenzisa inhlanganisela ye
izinhlamvu ezinkulu nezincane, izinombolo, nezimpawu. Cabangela ukusebenzisa iphasiwedi
umphathi ukukhiqiza nokugcina lawa maphasiwedi ayinkimbinkimbi ngokuphephile.
Okunye Ubungozi
Ngaphezu kwalokho, ukugcina
isofthiwe yakho yakamuva ibalulekile. Izibuyekezo zesofthiwe ngokuvamile zihlanganisa ukuphepha
ama-patches akhuluma ngobungozi obusanda kutholwa. Nika amandla izibuyekezo ezizenzakalelayo
kumadivayisi akho neziphequluli ukuze uqinisekise ukuthi uhlala uvikelekile kokwakamuva
izinsongo ze-cyber. I-anti-virus ne-anti-malware nayo ingamathuluzi abalulekile.
Lezi zinhlelo zihlala ziskena idivayisi yakho ukuthola izinsongo ezinonya, zinikeze i
isendlalelo esengeziwe sokuvikela.
Ekugcineni, khumbula
uqhuba kuphi futhi kanjani ukuthengiselana ku-inthanethi. Gwema ukusebenzisa i-Wi-Fi yomphakathi
amanethiwekhi, njengoba lawa edume ngokungavikeleki. Uma ukuthenga ku-inthanethi kukudinga
ukuze ufake imininingwane ebucayi, njengenombolo yekhadi lakho lesikweletu, qinisekisa ukuthi uvuliwe
iwebhusayithi evikelekile. Bheka isithonjana se-padlock kubha yekheli futhi uqinisekise lokho
ikheli lewebhusayithi liqala nge-HTTPS, okubonisa ukuxhumana okuphephile.
Isiphetho
Khuphula ileveli yokukhokha kwakho
ezokuphepha. Hlala uqaphile. Nciphisa umonakalo. Vikela ezezimali zakho. Ngokwamukela lezi
Izindlela, ungaguqula ukuthengiselana kwakho ku-inthanethi kusuka ku-nerve-wracking
isipiliyoni sibe yinqubo evikelekile nengenamthungo. Khumbula, ukuphepha kwe-inthanethi kuyi-
uhambo oluqhubekayo, hhayi indawo oya kuyo.
Futhi kanjalo bakwethu
ama-wallet ashintshile ukusuka kubangane besikhumba kuya emigqeni yekhodi. Lokhu okusha
ukunethezeka, nokho, kuza neqiniso elijabulisayo: ukuthengiselana nge-inthanethi kuyi-a
okuhloswe kakhulu kuzo izigebengu ze-inthanethi. Izigxobo ziyakhula. Ukuqagela okwethusayo
khombisa ukulahleka kokukhwabanisa kokukhokha ku-inthanethi kuzokwanda eminyakeni ezayo,
okungenzeka ukuthi ifinyelele ezigidini ngesilinganiso sokukhula esiqagelayo esidlula ama-40%
phakathi kuka-2023 no-2028. Ngo-2022 kuphela, ukulahlekelwa komhlaba wonke
ifinyelele ku-$41 million, futhi ochwepheshe babikezela ukwenyuka okungenangqondo kuze kufike ku-$91
billion ngonyaka ka-2028.
Umbuzo-ke uthi,
iba yinto ebucayi: ingabe izindlela zethu zokukhokha eziku-inthanethi ziyizinqaba ezisivikelayo
ukuphepha kwezezimali, noma ompompi nje abakhafulela ulwazi olubucayi endaweni enkulu
digital ayaziwa?
Ukukhokha Ngelungelo
Card
Umugqa wethu wokuqala we
ukuzivikela kusekukhetheni izindlela zokukhokha eziphephe kakhulu. Amakhadi esikweletu, i
oshampeni asebenesikhathi eside bezohwebo ku-inthanethi, banikeza isendlalelo sokuvikela njengabaningi
abakhiphi abahlonishwayo basebenzisa amasistimu okuthola ukukhwabanisa aqapha okwenziwayo
umsebenzi osolisayo. Kanjalo, esimweni esingesihle sokukhokhiswa okungagunyaziwe,
isikweletu ngokuvamile siwela kokhiphayo, hhayi wena, unciphisa imali
ukulahlekelwa. Nokho, amakhadi esikweletu afika ne-caveat: isilingo sokusebenzisa imali ngokweqile.
Kulabo abafuna ukulawula okuqinile, amakhadi edebithi ahlinzeka ngesixhumanisi esiqondile sakho
ukuhlola i-akhawunti, ukuqinisekisa ukuthi awuduki ngaphezu kwamandla akho. Khumbula nje,
amakhadi edebithi angase anikeze ukuvikelwa kokukhwabanisa okuqinile uma kuqhathaniswa namakhadi esikweletu.
Amakhadi esikweletu abonakalayo, ku
ukuphenduka, kusebenza njengezihlangu zedijithali, ezinikeza ungqimba lwesikhashana lokuzivikela
imininingwane yekhadi lakho lesikweletu eliyisisekelo. Ikhishwe amanye amabhange kanye nezezimali
izikhungo, lawa makhadi aziqhenya ngemininingwane eyingqayizivele njengezinombolo zamakhadi nama-CVV,
yakhelwe ngokukhethekile ukuthenga okukodwa ku-inthanethi. Le ndlela eqondisiwe
inciphisa ukuwa okungaba khona okuvela ekuphulweni kwedatha kumthengisi ongajwayelekile.
Uma inombolo yekhadi elibonakalayo iwela ezandleni ezingalungile, umonakalo uqukethwe,
ngokungafani nekhadi lesikweletu lendabuko elonakele. Ukwengeza, amakhadi virtual ngokuvamile
woza nekhono lokubeka imikhawulo yokusebenzisa imali, okukuvikela nakakhulu
ama-splurges asheshayo aku-inthanethi.
Okokugcina, kukhona njalo
amakhadi akhokhelwa kusengaphambili anikeza inzuzo ehlukile
abathengi be-inthanethi abanomqondo wesabelomali. Nakuba kungeyona indawo eqondile yendabuko
amakhadi edebithi, amakhadi akhokhelwa ngaphambili ahlinzeka ngesendlalelo sobumfihlo bokwenziwe nge-inthanethi.
Lokhu kukuvumela ukuthi ulayishe inani elithile lemali ngaphambili, ukuqinisekisa ukuthi unakho
ukusetshenziswa kwemali kuhlala kuqinile ngaphakathi kwemikhawulo yesabelomali sakho esinqunyiwe. Ngaphezu kwalokho,
ngokungafani namakhadi edebithi adonsa ngokuqondile ku-akhawunti yakho yokuhlola, amakhadi akhokhelwa ngaphambili
nikeza inetha lokuphepha ngoba uma ikhadi lilahlekile noma lebiwe, kuphela elilayishwe ngaphambili
izimali zisengozini, ngaleyo ndlela zinciphise ukulahlekelwa kwezimali. Lesi sici can
futhi nginxuse labo abancamela ukugcina ubunikazi babo be-inthanethi kanye nebhange
imininingwane ye-akhawunti ihlukene.
I-Digital Wallet futhi Kungani
I-Payments Matter Ebethelwe
Okwangempela
eqaphela ukuphepha, izikhwama zedijithali ezifana ne-Apple Pay ne-Google Pay nikeza isendlalelo esengeziwe
yokubethela. Lezi zixazululo zenza ikhadi lakho libe uphawu
ulwazi, ukudala okubambele okubonakalayo abathengisi abangakaze bakubone. Lokhu
kunciphisa kakhulu ubungozi bokuchayeka uma ukwephulwa kwedatha kwenzeka. Kodwa bakhona
wallets digital ikhambi-konke? Hhayi impela. Ukuthembela kwabo kuma-smartphone kuyangenisa
ubungozi obusha: ukuphepha ngokomzimba. Ukuqinisekisa ukuthi ifoni yakho ivikelekile
ngephasikhodi eqinile nokusebenzisa izindlela zokuqinisekisa ezengeziwe ezifana
izigxivizo zeminwe noma ukubonwa kobuso kubalulekile kulabo abafuna ukushintsha amadivaysi abo
egumbini elingaphansi langempela.
Indlela Yokugwema Inkokhelo Ye-inthanethi
imikhonyovu
Ngaphandle kwezindlela zokukhokha,
iso elibukhali libalulekile ekuhlonzeni nasekugwemeni imikhonyovu eku-inthanethi. Ubugebengu bokweba imininingwane ebucayi
ama-imeyili, afihlwe njengokuxhumana okusemthethweni okuvela emabhange noma abathengisi, a
isikhali esivamile ku-arsenal yomkhohlisi. Lawa ma-imeyili avame ukukunxusa ukuthi uchofoze
isixhumanisi esinonya noma landa isinanyathiselwa esithelela idivayisi yakho ngaso
uhlelo olungayilungele ikhompuyutha, eklanyelwe ukweba ulwazi lwakho lwezezimali. Nawu umthetho wegolide:
Ungalokothi uchofoze izixhumanisi noma uvule okunamathiselwe kuma-imeyili angacelwanga, ngisho noma kunjalo
kubonakala sengathi uvela emthonjeni othembekile. Uma i-imeyili iphakamisa izinsolo, xhumana ne
umthumeli ngokuqondile ngenombolo yocingo eqinisekisiwe noma iwebhusayithi ukuze uqinisekise
ukuba semthethweni.
Elinye ifulegi elibomvu ku
watch for iminikelo engaceliwe ebonakala inhle kakhulu ukuthi ingaba yiqiniso. Uma ku-inthanethi
isitolo sikhangisa amanani aphansi ngendlela engakholakali ezintweni ezidumile, kungenzeka a
olungaphambili lwesonto. Yenza ucwaningo lwakho ngaphambi kokuhlukana nemali oyisebenze kanzima. Funda ku-inthanethi
ukubuyekezwa, hlola iwebhusayithi yomthengisi ukuthola izinkomba ezisemthethweni njenge-physical
ikheli kanye nolwazi lokuxhumana, futhi uqinisekise ukuthi iwebhusayithi isebenzisa ukuphepha
uxhumano (bheka isiqalo se-HTTPS kubha yekheli). Khumbula, enempilo
umthamo wokungabaza ukuzivikela kwakho okuhle kakhulu ebuqilini be-inthanethi.
Indlela Yokukhetha Okungcono Kakhulu
Amaphasiwedi
Manje njengoba usukhethe a
indlela yokukhokha evikelekile futhi yathuthukisa amakhono akho okuthola umkhonyovu, ake siqinise eyakho
ukuzivikela kwedijithali nakakhulu. Amaphasiwedi aqinile ayinsika ye-inthanethi
ezokuphepha. Melana nesifiso sokuphinda usebenzise iphasiwedi efanayo kuma-akhawunti amaningi.
Kunalokho, dala amagama ayimfihlo ahlukile enkundla ngayinye, usebenzisa inhlanganisela ye
izinhlamvu ezinkulu nezincane, izinombolo, nezimpawu. Cabangela ukusebenzisa iphasiwedi
umphathi ukukhiqiza nokugcina lawa maphasiwedi ayinkimbinkimbi ngokuphephile.
Okunye Ubungozi
Ngaphezu kwalokho, ukugcina
isofthiwe yakho yakamuva ibalulekile. Izibuyekezo zesofthiwe ngokuvamile zihlanganisa ukuphepha
ama-patches akhuluma ngobungozi obusanda kutholwa. Nika amandla izibuyekezo ezizenzakalelayo
kumadivayisi akho neziphequluli ukuze uqinisekise ukuthi uhlala uvikelekile kokwakamuva
izinsongo ze-cyber. I-anti-virus ne-anti-malware nayo ingamathuluzi abalulekile.
Lezi zinhlelo zihlala ziskena idivayisi yakho ukuthola izinsongo ezinonya, zinikeze i
isendlalelo esengeziwe sokuvikela.
Ekugcineni, khumbula
uqhuba kuphi futhi kanjani ukuthengiselana ku-inthanethi. Gwema ukusebenzisa i-Wi-Fi yomphakathi
amanethiwekhi, njengoba lawa edume ngokungavikeleki. Uma ukuthenga ku-inthanethi kukudinga
ukuze ufake imininingwane ebucayi, njengenombolo yekhadi lakho lesikweletu, qinisekisa ukuthi uvuliwe
iwebhusayithi evikelekile. Bheka isithonjana se-padlock kubha yekheli futhi uqinisekise lokho
ikheli lewebhusayithi liqala nge-HTTPS, okubonisa ukuxhumana okuphephile.
Isiphetho
Khuphula ileveli yokukhokha kwakho
ezokuphepha. Hlala uqaphile. Nciphisa umonakalo. Vikela ezezimali zakho. Ngokwamukela lezi
Izindlela, ungaguqula ukuthengiselana kwakho ku-inthanethi kusuka ku-nerve-wracking
isipiliyoni sibe yinqubo evikelekile nengenamthungo. Khumbula, ukuphepha kwe-inthanethi kuyi-
uhambo oluqhubekayo, hhayi indawo oya kuyo.
- I-SEO Powered Content & PR Distribution. Khuliswa Namuhla.
- I-PlatoData.Network Vertical Generative Ai. Zinike Amandla. Finyelela Lapha.
- I-PlatoAiStream. I-Web3 Intelligence. Ulwazi Lukhulisiwe. Finyelela Lapha.
- I-PlatoESG. Ikhabhoni, I-CleanTech, Amandla, Environment, Ilanga, Ukuphathwa Kwemfucuza. Finyelela Lapha.
- I-PlatoHealth. I-Biotech kanye ne-Clinical Trials Intelligence. Finyelela Lapha.
- Source: https://www.financemagnates.com//fintech/payments/secure-online-payments-and-finding-peace-of-mind-for-every-purchase/
