Namuhla singabona ukuthandwa okukhulu kwezicelo. Bahlukene. Abanye basisiza sifunde, abanye bashayele itekisi, kanti abanye benza imisebenzi yethu yasebhange ibe lula. Kodwa-ke, kungani kubaluleke kangaka ukuthuthukisa izinhlelo zokusebenza zasebhange, futhi kungani kufaneleka ukunaka ngokukhethekile ukuklama? Yilokhu esizokuhlola kulesi sihloko.
Iyini impumelelo yanoma yisiphi isicelo?
Esinye sezihluthulelo zempumelelo yezinkampani ezifana ne-Uber, i-Amazon, ne-Airbnb ukuklanywa kwezinhlelo zabo zokusebenza okulula kubasebenzisi ukusebenzisana nazo. Lokhu, okwaziwa ngokuthi isipiliyoni somsebenzisi (UX), yikho i-fintech esanda kuthuthukiswa, okwenza kube lula ukuphatha izinsiza zezezimali kusetshenziswa omakhalekhukhwini. Cishe, uma uvula noma yiluphi uhlelo lokusebenza futhi ubona isikhombimsebenzisi esiyinkimbinkimbi nesingaqondakali, ngeke usisebenzise. Kuzoba lula kuwe ukuthi ukhethe olunye uhlelo lokusebenza olulula futhi ulunikeze okuncamelayo. Ngakho-ke, umklamo wohlelo lokusebenza lwasebhange nolwazi lomsebenzisi kuyizici ezibaluleke kakhulu.
AbakwaFintech badlule izinsiza zamabhange ezijwayelekile ngenxa yendlela yabo kanye nokugxila kwabasebenzisi. Lezi zinkampani zakhiwe ngenxa yezidingo ezintsha kanye nezinguquko zenhlalo ngokwenza idijithali. Baqala ukunikeza izixazululo ezazinganikezwa amabhange endabuko. Abasebenzisi basheshe bajwayela ubuchwepheshe obunjalo futhi abasafuni ukusebenzisa ezinye izindlela zokuthengiselana ngezezimali. Ngakho-ke, zonke izikhungo zamabhange kufanele zisebenzise kancane kancane isicelo ukuze zihlale zincintisana futhi zinikeze abasebenzisi izinsizakalo nolwazi olungcono kakhulu.
Okuningi mayelana nezicelo zebhange
Kulezi zinsuku, umkhakha wamabhange okhuthazwe yi-fintech uthuthukise izinhlelo zokusebenza zeselula ezisuselwa ku-UX. Isibonelo intuthuko ehlukahlukene evumela abasebenzisi ukuthi benze izinkokhelo kalula ngamaselula abo noma izinhlelo zokusebenza. Ngaphezu kwalokho, izikhungo zezezimali zikuvumela ukuthi ubolekwe imali noma ungene kunoma yiziphi ezinye izivumelwano usebenzisa umakhalekhukhwini kanye ne-imeyili kuphela. Yini engaba ngcono?
Uma uthuthukisa uhlelo lokusebenza oluhle, luzokwazi ukuncintisana nabaholi bomhlaba abafana ne-Paypal, Square, Stripe, Revolut, nabanye abawine izethameli ezincane. Lezi zinkampani zilinxuse ngokuphelele ikhasimende, zalinikeza umklamo nesakhiwo amabhange endabuko okusafanele azijwayeze naso.
Ngakho sibona izinguquko zenzeka kulo mkhakha, futhi impumelelo yezinkampani ezithile ngaphezu kwezinye inqunywa ukuvikeleka kanye nokunethezeka okungatholwa umsebenzisi. Amabhange manje ahlotshaniswa nabasebenzisi njengento enzima futhi ende. Ngakho-ke, amabhizinisi anjalo adinga ukwenziwa kwedijithali ngokushesha ukuze angahlali ethunzini futhi athole amakhasimende amasha akhokhayo.
Amaphuzu amathathu abalulekile ohlelo lokusebenza lwezezimali oluyimpumelelo
Ukuze wakhe iphrojekthi ephumelelayo, kufanele ucabangele amaphuzu amathathu abalulekile. Ngosizo lwabo, ungakha umkhiqizo wekhwalithi ozothandwa ngabasebenzisi. Ake sizicabangele kabanzi:
Amasevisi anikelwe kanye nomklamo ogxile kumsebenzisi
Okuhlangenwe nakho komsebenzisi akukhona mayelana nokuthumela isevisi ekhona kufomethi yeselula kodwa kunalokho ukuthuthukisa ukusebenzisana kwekhasimende njengoba kuyindawo ehlukile edinga amasevisi akhethekile. Ngakho-ke, udinga ukulungisa zonke izici ezitholakalayo zokuthuthukiswa kweselula futhi uzenze zibe lula futhi zisebenziseke kalula ngangokunokwenzeka. Ungakhohlwa ukusebenza kumklamo ngoba udlala indima ebalulekile.
Ukubaluleka Kwethimba Lokuklama
Kufanele ulalele ukuthi ithimba lokuklama licabangani, njengoba kuyilona elinezixazululo zokudala izinhlelo zokusebenza ezilungele amakhasimende. Ukuqasha uchwepheshe kuyisinqumo esingcono kakhulu ongasithatha. Ngakho-ke, iphrojekthi yakho izothuthukiswa ngaphansi kokuqondisa okucacile kochwepheshe abazi okuningi ngebhizinisi labo. Lokhu kuzodala isixhumi esibonakalayo esifanele abasebenzisi abazojabula ngaso.
Ukubona idatha
Esinye sezihluthulelo ezibaluleke kakhulu zempumelelo ye-fintech sisekelwe ekhonweni lokuguqula idatha okunzima ukuyibona ngeso lengqondo ibe amagrafu namathebula noma yimuphi umsebenzisi angawaqonda. Lokhu kusize ukwenza imali ngentando yeningi, kugxilise isiko lokonga, futhi kuvumele abasebenzisi ukuthi bathembe lawa masevisi kakhulu. Ukuqonda idatha yakho kwenza amakhasimende azizwe azethemba kakhulu lapho enza imisebenzi futhi ecela amasevisi.
Isiphetho
Ngakho-ke, uma inkampani yakho yasebhange ingakabi naso isicelo, yisikhathi sokuyishintsha. Lokhu kuzokhulisa amakhono akho, kukusize uhehe amakhasimende amaningi, futhi kuthuthukise kakhulu ulwazi lomsebenzisi.
