Umhlaba wezinkokhelo zebhizinisi ubulokhu uhamba kancane. Kodwa okwamanje izinto zishintsha ngokushesha. Ukushayela lokhu kuguquguquka okusheshayo ubuchwepheshe ongahle ungabulindele: ikhadi lesikweletu lebhizinisi.

Eyaziwa nangokuthi ikhadi lezentengiso, le ndlela yokukhokha isineminyaka ikhona, inamakhadi aphathekayo akhishwa abaqashi ukuze abasebenzi bawasebenzise lapho bethenga egameni lenkampani yabo. Kodwa amandla ayo aphelele aphazanyiswa ukukhathazeka kwezokuphepha, ukungahambisani
ngezinhlelo zezezimali ezikhona kanye nokwamukelwa kwabahlinzeki.

Pho kungani kufanele abahlaziyi
isibikezelo ukuthi imakethe yamakhadi ezohwebo izophinda kabili ngobukhulu ifinyelele ku-$363.1 billion ngo-2032? Impendulo ilele kubuchwepheshe obusha, obuhambisanayo obuthuthukisa kakhulu ukusetshenziswa, ukusebenza kahle kanye nezinzuzo zekhadi lokuthengisa elithobekile.

Ipulasitiki encane, ukuguquguquka okwengeziwe

Okokuqala nje, ikhadi lezentengiso lifakwe kwidijithali. Faka, ikhadi elibonakalayo.

Ikhadi le-virtual inombolo yekhadi ekhiqizwa ngenjongo ethile. Kungaba okomsebenzi wesikhathi esisodwa, ukwabelwa isisebenzi esithile noma umnyango ongaphakathi enkampanini, noma ukwabela isabelomali esilinganiselwe noma isikhathi sokusetshenziswa kwayo.

Imboni yezokuvakasha yaba ngowokuqala ukutholwa kwamakhadi abonakalayo ezinkokhelo ze-B2B, okubonakale kubalulekile ekwehliseni ubungozi bokuthengiselana kubathengi ngesikhathi sodlame. Kungani? Ngoba amakhadi abonakalayo adalelwa izinjongo ezithile, okusho ukuthi angaba lula
ukulandelelwa, okwenza kube lula kakhulu ukuphatha umthamo omangalisayo wezimangalo zokubuyisela emuva ezithinta imboni ngaleso sikhathi.

Njengendlela yokukhokha yedijithali, amakhadi okuthengisa abonakalayo angadalwa ngokushesha futhi ngokungabizi ukuze kuvikelwe ukuthengiselana okusha. I-Mastercard isanda kwenza izinyathelo zokwenza amakhadi abonakalayo abe lula nakakhulu ukuwaphatha, ukwandisa ukutholakala kokubuyisana okuzenzakalelayo.
ngohlelo lwayo olusha lwekhadi le-virtual lweselula, elenza amakhadi abonakalayo afakwe kuma-wallet edijithali. Lesi sinyathelo sizokwenza kube lula izindleko zokuhamba nezebhizinisi kumakhasimende amabhange okuhweba.

Nakuba amakhadi virtual ingaphathwa ngesandla, Mastercard
izilinganiso ukuthi ikhono lokuletha okuzenzakalelayo okwengeziwe lapho usebenzisa amakhadi abonakalayo kusho ukuthi amabhizinisi angonga isikhathi nemali: okungenzeka kube phakathi kuka-$0.50 no-$14 ngomsebenzi ngamunye.

Futhi izindaba ezinhle ukuthi zonke lezi zinzuzo zidluliselwa ngokugcwele kuyo yonke imikhakha. IJuniper Research ikubonile lokhu,

ukubikezela ukuthi inani lemisebenzi yekhadi elibonakalayo lizodlula izigidigidi eziyi-121 emhlabeni wonke ngo-2027; ikhula isuka ezigidigidini ezingama-28 ngo-2022, imele ukukhula kwama-340%.

Ukucutshungulwa okuqondile kwezinkokhelo eziqondile

Siyazi ukuthi izinkampani eziningi ziya ngokuya zikhokhela abahlinzeki ngamakhadi ezentengiso (kanye nawe-virtual) ukuze kwandiswe imali yokusebenza. Akunangqondo: indlela yokukhokha ibenza bakwazi ukunweba izinsuku zabo ezikhokhwayo ezikhokhelwe (i-DPO), kuyilapho benciphisa imali yomhlinzeki.
izinsuku zokuthengisa ezisele (DSO) kanye nokususa izindleko zokuqoqwa kwemali.

Kodwa lokhu bekulokhu kuyinzuzo yamakhadi okuhweba. Ngakho-ke yini evula ukukhula okusha?

Isizathu esisodwa ukufika kokucubungula okuqondile, noma i-STP, eguqula yonke inqubo yokukhokha ye-B2B emisiwe ekhanda layo. I-STP iqalwa umthengi kunokuba iqalwe ngumhlinzeki; ingakwazi ukwenza amathokheni imininingwane yekhadi ukuze uthole izinkokhelo ezivamile zomphakeli noma umsebenzi
ngokubambisana nabahlinzeki bamakhadi abonakalayo, anqoba enye yezinselelo ezinkulu ngokwamukelwa kwamakhadi abonakalayo: ukuphatha inqwaba yamakhadi.

Kungani amabhizinisi emhlabeni wonke ethengwa emakhadini okuhweba

Ngokusebenzisa i-STP ukuze basekele amakhadi okuthengisa, abathengi bangakwazi ukwenza izinkokhelo ngokuzenzakalelayo futhi babike, bathole ukulawula okukhulu ekungeneni kwemali, futhi bathuthukise ubudlelwano nabahlinzeki ngokukhokha ngokushesha. Lokhu akugcini nje ngokwenza ukukhokhela izimpahla namasevisi kusebenze kahle futhi
esimeme esikhathini eside, kodwa kusiza ukusekela ukuthotshelwa kwezinhlelo ezifana neKhodi Yokukhokha Esheshayo noma Isiqondiso Sokukhokha Sekwephuzile.

Ubuchwepheshe obusha be-STP bungaphinda bunike amandla ukuthunyelwa kwekhono eliyingqayizivele le-API yokubuyisela imali. Lokhu kuvumela abathengi ukuthi benze isicelo sembuyiselo ohlelweni lwabo lwe-Enterprise Resource Planning (ERP), uma sekugunyazwe umphakeli. Ukwenza kanjalo kuqeda isidingo esisabalele sabahlinzeki-mpahla
ukugcina amakhadi abonakalayo isikhathi eside ukuze kucutshungulwe imbuyiselo mathupha. Esikhundleni salokho, i-API yembuyiselo ingabheka ikhadi langempela elibonakalayo ukuze icubungule imbuyiselo, ngokwengxenye noma ngokugcwele, ukuze kuthuthukiswe ukubuyisana ngaphandle kokusebenzisana nabahlinzeki.

Ngamafuphi, i-STP inika amandla abathengi ukuthi basheshise ukuthengiselana ngokuzenzela izinqubo ezenziwa ngesandla, inikeze indlela esebenza kahle kakhulu nevikelekile yokusingatha izinqubo zama-akhawunti akhokhelwayo (AP).

Isikhathi esincane sokuqoqa imali, isikhathi esiningi sikhulisa ubudlelwano bamakhasimende

Njengoba sesihlolile, amakhadi e-STP namakhadi okuthengisa anika amandla ibhalansi elinganayo phakathi kwabathengi nabahlinzeki, asusa isidingo sezinqubo ezengeziwe ngasohlangothini lwabahlinzeki, osekunesikhathi eside kuba isithiyo kubo ukwamukela izinkokhelo zamakhadi.

Abahlinzeki bangaqoqa imali ekuthengisweni ngokushesha ngokwamukela izinkokhelo zamakhadi okuhweba, okusho ukuthi bangagxila ekuthuthukiseni nasekuthuthukiseni ubudlelwano bamakhasimende esikhundleni sokuchitha isikhathi nemali bejaha izinkokhelo.

I-STP iphinde isuse izinqubo zemanuwali ezinzima kubahlinzeki. Lokhu kwenza izinkokhelo zicutshungulwe izinkundla ze-STP, abathengi banikeze umyalelo olula wokwenza inkokhelo uma i-invoyisi ivunyiwe. Ekupheleni komsebenzi, abahlinzeki
bathole imali ethunyelwayo enophawu lomthengi noma isaziso senkokhelo ku-ERP yabo kanye nemojula yama-akhawunti atholwayo (AR), ibazisa ukuthi inkokhelo isiphelile.

Emnothweni onenzalo enkulu, isiqinisekiso sezimali esinikezwa yikhadi lezentengiso singabaluleka kumabhizinisi namuhla. Kungenzeka kuthathe isikhathi, kodwa abathengi nabahlinzeki babo bonke osayizi manje bamukela uguquko lokukhokha kwedijithali, beqaphela ukuthi
ayidingi indlela exakile, yokuklebhula nokufaka esikhundleni ababeyesaba.

Esikhundleni salokho, umhlaba we-B2B uvuka emathubeni edatha ethuthukisiwe nezibalo, ezinikwe amandla izinkokhelo zedijithali ze-B2B. Lokhu vele sekuletha imininingwane ecacile ukuze amabhizinisi asetshenziselwe ukubuka nokuphatha ukugeleza kwemali, ukuhlonza amathuba okonga izindleko,
kanye nokuthuthukisa amasu okusebenzisa imali yokuthenga.

Amakhadi ezentengiselwano, amakhadi e-virtual kanye nokucubungula okuqondile akugcini nje ngokunikeza abathengi nabaphakeli ukulawula okukhulu phezu kwezimali zabo, kodwa kubenza bakwazi ukwakha ubudlelwano obuqinile besikhathi eside obubalulekile ekuzinzeni nasekuphumeleleni
ikusasa.

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• Source: https://www.finextra.com/blogposting/26080/why-are-more-buyers-and-suppliers-turning-to-commercial-and-virtual-cards-for-b2b-payments?utm_medium=rssfinextra&utm_source=finextrablogs