Banking - iinkonzo zebhanki ekude. inkqubo "loNiko-Bank"

Banking - yinto uhlobo lula yaye mihla zenkonzo, nto leyo eye kusebenzise ngempumelelo ngamaziko ngetyala. Kodwa yintoni ungafumana le nkqubo? Zeziphi iinkonzo ikulungiselela? Ingaba le yindlela elungileyo yokusebenza? njani I ukuxhuma kule nkqubo, umthengi? Ndiyakuqonda konke oku okunene nzima kangaka. Nje ukwazi ezinye iinkalo zolawulo, kunye neenkonzo connectivity. Musa ukucinga ukuba logcino kuphela kunokwenzeka ngaphakathi lizwe. Le nkqubo uphunyeziwe ngempumelelo ehlabathini lonke, kuquka eRashiya.

incazelo

Ngoko ke, yintoni eyenza zebhanki? Le nkqubo yolawulo iinkonzo zebhanki, uqhutywe ngaphandle ofisi. Oko kukuthi, wonke ummi unelungelo lokuthabatha ithuba linikeza beenkampani zemali ngaphandle ukutyelelwa.

Amaninzi zebhanki ifumaneka abo sele umxhasi we mbutho. Kuba abathile, oku mhlawumbi yeyona ilungileyo yolawulo inkonzo ukhetho. Inceda kuphela ukuba ukunika lula kubathengi kunye nabasebenzi, kodwa ukhonza imisebenzi zokhuseleko. Ke kaloku esinjalo ubonelelo ngeenkonzo ekuphunyezweni isenzo onyanzelisa abathengi ukuba bapase uthotho lwamanyathelo ukuchonga loo mntu. Kuphela ke singakwazi ukusebenzisa ngempumelelo ukusebenza kwale nkqubo.

iintlobo

Banking - zebhanki yinkonzo ukuba yenziwa kude. Sinokuthi izinto ezinjalo igama elitsha kubonelelo ngeenkonzo ezithile. Abaxhasi enjalo isigqibo kuyimfuneko ukunambitha. Kufuneka sifunde iziphakamiso nkampani, kunye nobunzima ukuba bacele uncedo kubasebenzi zemibutho zemali kwakunye ukuphumeza nawuphi na umsebenzi ecetywayo ebomini nangaliphi na ixesha ngaphandle uncedo. Banking yahlukile. Okwangoku, ziphuma:

• zebhanki Web (yi computer);
• inkonzo mobile;
• ATM-mali;
• SMS-mali;
• banking PC.

Zonke ezi ndlela umdla kakhulu. Kwaye kahle kungekho naziphi na iingxaki. Njengoko ibonisa yokusebenza, iziko zemali zebhanki ezikhoyo kubathengi zonke ezi ntlobo zidweliswe ngaphambili. Umntu ngamnye ukhetha ukufumana Yesondlo ekude.

imisebenzi

Kakade ke, kukho imisebenzi ethile zebhanki. Ngapha koko, asingabo bonke imisebenzi lingaphunyezwa kude. Ngoko ke, wagqiba ekubeni anikezele iinkqubo yolawulo injongo efanayo. Ngoku, ungenza rhoqo ukufumana ezi nkonzo zilandelayo:

• nokuvulwa / ukuvalwa yesibambiso;
• ngokufumana sisicatshulwa esithathwe akhawunti yebhanki;
• ukuthatha ngetyala / mboleko;
• ukufumana ulwazi malunga neenkonzo;
• nokubhaliswa yesibambiso;
• imveliso amakhadi ebhanki (credit, debit);
• nozalisekiso lwangaphakathi phakathi akhawunti;
• transfers phakathi kweebhanki ezahlukeneyo;
• izixhobo ukuguqulwa.

Kodwa loo nto bonke. zebhanki Internet ngabanye (kunye nezinye izinto zolondolozo kude) kubalulekile kuba kuvumela ukuba ukuhlawula izinto ezithengwa, unxibelelwano mobile kunye yezinkonzo. Eyona nto ibalulekileyo - ukwazi ukuba kwenziwa njani na. Ngokuqhelekileyo akukho nzima ngayo. Vele ukhethe ukhetho olufanelekileyo phakathi imisebenzi ecetywayo.

"LoNiko-Bank"

Ngokubanzi, kukho iindlela ezininzi zolawulo imisebenzi zebhanki ekude. version ethandwa kakhulu "loNiko-Bank". Ukuze kuziswe izimvo ebomini, kufuneka ube khompyutha kunye internet.

Kwi umxhasi PC lifakwe software eyodwa. Igcina yonke ingcaciso malunga neenkonzo kunye nemeko-akhawunti yabantu. Nangaliphi na ixesha, ungakwazi ukudibanisa nge-Internet ebhankini. Inkonzo kuyanceda ukufumana ulwazi kunye neenkonzo ngokukhawuleza. It ikuvumela ukuba wenze iintlawulo ukuze kukhutshwe iingxelo.

Kwakhona kukho inkqubo ye "Internet-Client". Kulo mzekelo, akukho sicelo iyafuneka. Endaweni yoko, ukuba usebenzise umkhangeli kwakunye njengenkampani okhethekileyo site ngemali, leyo elawula imisebenzi. indlela ekhululekile kakhulu kwaye mihla le kulungiselelwa iinkonzo ezithile.

"Ifowuni-Client"

zebhanki ekude ukwazi kwenzeka ngokusebenzisa 'Umnxeba-Client "system. Asinto nzima unokuthekelela, nantsi luncedo kuwe yakho yeselula. Yaqala isicelo olulodwa, nto leyo inceda isebenze iinkonzo ezithile.

Kwakhona, inkonzo SMS-mali iqukiwe "mfono Imfono-client". Kuninzi izisombululo ezinjalo ngobuwena isebenza ikakhulu ukufumana ingcaciso malunga neenkonzo, ngokunjalo amazwe angaphandle.

Kufuneka ngoko nangoko kuqatshelwe ukuba iziko mali ngamnye izicelo zabo. Ngoko ke ukuba ngaba umxhasi beebhanki eziliqela, yomnxeba elawulwa-kude, zama ukusebenzisa iinkonzo inkampani omnye kuphela, umntu ukuba uziva kakhulu yimpumelelo. Ezinye le web-zebhanki yoxwebhu ingaphezulu kokuthandayo. Kwaye ngokubanzi, le yokugqibela ivuyela xilaveko lexikulu phakathi kwabantu.

ngaphambi kokuba usebenzise

Banking - inkqubo self-nkonzo. Kwaye kukho imfuneko enkulu phakathi kwabantu. Unako, njengoko sele kuchaziwe, yedwa kwaye kungekho ukutyelelwa kwi-ofisi ebhankini ukufumana phantse nayiphi na inkonzo. Kwanele ukuba ukwazi indlela yokuguqulela iingcinga zibe amanyathelo.

Nceda qaphela ukuba phambi kokuba usebenzise iinkonzo zebhanki ekude, kufuneka kuqala ufumane i "Banking Client." Ukuze wenze oku, kufuneka ubhalise kwinkqubo. Sibona ebhankini ngamnye. Yaye isibakala sokuba wena umthengi yeziko yezimali, ayithethi ukuba sele ubhalisile. Ngesiqhelo, kufuneka kuqala baxele yeminqweno yabo ukusebenzisa iinkonzo zebhanki. Abasebenzi leziko zakho zemali ziya kukunika igama lomsebenzisi kunye negama eligqithisiweyo, kwaye ndithi kuni nalapho unokufumana i software ukufaka isicelo. Umzekelo, "VTB 24" 'loNiko-Bank "efumaneka simahla kwindawo ezahlukeneyo iivenkile kunye (kukhethwa pre-kuvavanywa) sites ezilula. Ngendlela efanayo, njengezininzi amaziko zemali eRashiya.

ATM-zebhanki

Ukuba sinikele ingqalelo inkqubo ATM-zebhanki. Kuyinto eqhelekileyo kakhulu, kodwa kukho kunjalo isimo practical. Kulo mzekelo, iinkonzo zebhanki elingaphaya kumpompoza ngokupheleleyo ngokusebenzisa ATM okanye intlawulo terminal.

Njengoko unokuthekelela, kufuneka ukuba mhlawumbi zeplastiki ebhankini, okanye imali nje. Unako ukwenza imisebenzi kunye akhawunti ukuhlawulela iinkonzo kunye imali yezinkonzo, uyitshaje balance mobile phone. A isici esasenza i-ATM-nkqubo kukuba abemi ithuba ukurhoxisa imali ngeplastiki. Yiyo le phawu ATM owaziwayo.

Njengoko yokwenza ubonisa, kuba abanye imisebenzi okanye sebenzisa i Web okanye zebhanki mobile. Kwaye akunamsebenzi nokuba yintoni na uhlobo lweziko mali. Ngezi nkqubo kufuneka ihlangane ngokusondele kangangoko kunokwenzeka. Cinga umzekelo i-Savings Bank. Nangona kunjalo, i "VTB 24" 'loNiko-Bank "inojongano efanayo. Kodwa abathengi ngakumbi ukhetha Sberbank. zebhanki wayo amaninzi kusebenzise eRashiya.

"Banking Mobile"

Kunye inguqulo yeselula, yonke into ilula kwaye kucacile - umthengi kufuneka download kwaye ufake igajethi kwi app ebizwa "mfono Banking". Yaba nguye lowo kunceda ukulawula ukude akhawunti nokufumana neenkonzo ngaphandle ukutyelelwa ukuya entlanganweni. Kodwa akwanelanga. Noko ke, njengokuba yokusetyenziswa zebhanki ngekhompyutha, kuyimfuneko, njengokuba kuthiwe, ukuba baye ubhaliso ekhethekileyo.

To connect i "Banking Mobile" Kukhethwa ukuba usebenzise i-ATM. Yiya umatshini wakho, yiya kwi-main menu. Apho, khangela 'mfono Banking ". Okulandelayo, khetha "Connect" uze ulandele imiyalelo. Ngesiqhelo, kufuneka unikezele iinkcukacha zakho kunye nenombolo yefowuni yakho. Emva kokuqinisekisa ukusebenza (kwi iseli uya kufumana iSMS kunye nekhowudi) nokukhuphela usetyenziso. Ngaphandle software iya kuqhuba kuphela SMS-zebhanki. Kodwa ukuba kukho "Mobile ibhange" imisebenzi inokwenziwa ngaphandle imiyalelo SMS.

zebhanki Internet

Njengokuba kuthiwe, ifowuni elawulwa-kude - oko kulungile. Ke, xa nditshoyo, andithethi nto nje popular njengokubhankisha internet. Bank (nayiphi) inikeza abaxhasi balo zidlule yobhaliso elula kwi website kweenkonzo zolawulo ekude. Emva koko, ungakwazi ukuya e-ofisini ukufumana ulwazi ngee-akhawunti kunye nokwenza iintlawulo kunye transfers.

Xa ucinga internet banking kwi Sberbank umzekelo, kubalulekile ukukhumbula ukuba akusoloko ukusebenzisa le nkonzo, "Sberbank Online" kufuna ubhaliso. Kwezinye iimeko (ukuba unqwenela), unako ukuthintela le nkqubo. Ukuze wenze oku, ufumana irisithi ngexesha elinye-wegama eligqithisiweyo. Oku kwenziwa ngoncedo-ATM. Ukuze wenze oku, khetha umba we menu kwi kumatshini ebizwa ngokuba "Connect" Mobile Banking "okanye" Sberbank Online ". Okulandelayo, nqakraza kwi" Fumana ngexesha elinye-password ". Uya ume ngaphandle itshekhi, nto leyo iya kuba yidatha ukuba lilugunyazise.

login ngokusisigxina kunye lokugqitha zingafumaneka ngokulandela inkqubo yobhaliso elula. Uyacetyiswa ukuba ucele uncedo kubasebenzi Sberbank. Banking ngoku idibanisa zonke ekufikeleleni zeplastiki ebhankini. Xa unika le nkonzo, cela abantu ukuba akuncede. Ngokusebenzisa-ATM kunokwenzeka ukuba ubhalise kwinkqubo "Sberbank Online". Le nkqubo fanekiso ekufumaneni lokugqitha enye. Ngoku kufuneka nje ukuba ukhethe "ukudibana". On ekhutshwe ayisekho itshekhi iya kuba idata okwethutyana, kwaye akagungqi.

ukuphepha

zebhanki Internet abantu lufumaneka ngalo naliphi na ixesha. Yinto yanele nje ukuba sigunyazisiwe kwi website okhethekileyo, nto leyo inceda ukulawula iimali. Kwimeko Sberbank kufuneka afake inkonzo, "Sberbank Online".

Yiya zebhanki site kwicala lasekhohlo kwekhusi, tayipha inombolo yesazisi (login) kunye negama lokugqitha. Ngoku kufuneka ukuba uqinisekise ukuba igalelo. Oku kwenziwa ngokusebenzisa ifowuni ephathwayo - uza kufumana esikhethekileyo ikhodi, nto leyo wangena entsimini efanelekileyo kwikhusi. Yinto nkqubo kukhuseleko. Ngoko ke ngaphandle isiqinisekiso ukuba nguwe umnini yokwenene le akhawunti. Abantu rhoqo Banking usebenzisa inkqubo efanayo ukhuseleko lwedatha. Oko konke, ungasebenzisa le nkonzo. Ke Sberbank, vele uye kwi 'Iintlawulo kunye transfers ". Apha uya kukwazi ukuhlawula amatyala kunye imali. Ngokufanayo, kukho ulawulo logcino kwezinye iinkampani zebhanki.