I-Hongzhou Smart ikhuthaza isiseko se-ATM seMobile Money esenziwe ngokwezifiso kwi-GSM kunye netekhnoloji yezemali ye-USSD
Umgaqo Wokusebenza
Isiseko seTekhnoloji ye-GSM:
Iintengiselwano zemali ezisekelwe kwi-USSD: I-USSD (Idatha yeNkonzo eNgezelelweyo engacwangciswanga) yinkonzo yedatha esebenzisana nayo ngexesha langempela. Kwi-ATM yeMobile Money, abasebenzisi banokuqalisa iintengiselwano zemali ngokufaka iikhowudi ezithile ze-USSD ngekhibhodi ye-ATM. Emva koko i-ATM ithumela ezi khowudi kwiseva yomboneleli weenkonzo zemali ehambelanayo ngenethiwekhi ye-GSM. Iseva icubungula isicelo kwaye ithumele impendulo, eboniswa kwisikrini se-ATM ukuze umsebenzisi ayibone. Umzekelo, umsebenzisi unokujonga ibhalansi yeakhawunti yakhe yemali yeselula, adlulisele imali, okanye enze iintlawulo zebhili ngokulandela imiyalelo esesikrinini emva kokufaka iikhowudi ezifanelekileyo ze-USSD.
Iingenelo
Kulula kwaye kulula ukuyisebenzisa : Ukusebenza kwe-USSD kwi-ATM yeMobile Money kulula kakhulu. Idla ngokubandakanya ujongano oluqhutywa yimenyu, apho abasebenzisi banokukhetha khona iinkonzo zemali abazifunayo ngokulandela imiyalelo esesikrinini. Kwanabantu abanolwazi oluncinci lobuchwepheshe banokuyiqonda ngokulula kwaye bayisebenzise i-ATM ukuze bagqibezele ukuthengiselana.
Ixabiso Elisebenzayo: Xa kuthelekiswa nezinye iinkonzo zebhanki eziphathwayo okanye ze-ATM ezinokufuna izicwangciso zedatha ezibizayo okanye izixhobo eziphambili, ii-ATM zeMobile Money ezisekwe kwi-GSM kunye ne-USSD zineendleko zokusebenza eziphantsi. Oku kungenxa yokuba zisebenzisa iziseko zophuhliso zenethiwekhi ye-GSM ezikhoyo kwaye azidingi zobuchwepheshe okanye iziseko zophuhliso ezongezelelweyo ezibiza kakhulu zokuhambisa idatha, nto leyo eyenza ukuba ibe sisisombululo esisebenzayo sokubonelela ngeenkonzo zemali, ingakumbi kwiindawo ezinabantu abanengeniso ephantsi.
Ukhuseleko Oluphezulu : Iintengiselwano ze-USSD zihlala zifuna abasebenzisi ukuba bafake iPIN okanye igama lokugqitha ukuphucula ukhuseleko nokuthintela ukufikelela okungagunyaziswanga. Ukongeza, inethiwekhi ye-GSM ikwabonelela ngeendlela ezithile zokhuseleko, ezinje ngokubethela ukudluliselwa kwedatha, ukuqinisekisa ukhuseleko lweentengiselwano zemali. Oku kunceda ekwakheni ukuthembana kwabasebenzisi kwaye kukhuthaza abantu abaninzi ukuba basebenzise ii-ATM zeMobile Money kwimisebenzi yezemali.
Kutheni ii-ATM zeMobile Money zithandwa kakhulu kwimarike yaseAfrika?
Okokuqala, kufuneka ndiqwalasele imeko-bume yezentlalo nezoqoqosho yaseAfrika eyahlukileyo. IAfrika ayinayo indlela yokungena kwiibhanki ngokwesiko, kwaye uninzi lwabantu abangenazo iibhanki, ingakumbi kwiindawo zasemaphandleni. Ii-ATM zeMobile Money zizalisa esi sikhewu ngokusebenzisa ukusetyenziswa kweefowuni eziphathwayo, nto leyo exhaphakileyo naphakathi kwamaqela anengeniso ephantsi. Oku kufikeleleka yeyona nto ibalulekileyo.
Okulandelayo, ii-ATM zeMobile Money eAfrika zixhomekeke kakhulu kubuchwepheshe be-GSM kunye ne-USSD. I-USSD iyahambelana neefowuni ezisisiseko, ezixhaphakileyo eAfrika ngenxa yokufikeleleka. Ngokungafaniyo nee-apps ezixhomekeke kwiifowuni eziphathwayo, i-USSD ayifuni uqhagamshelo oluphezulu lwedatha, nto leyo eyenza ifaneleke kwiindawo ezineziseko ze-intanethi ezingalunganga. Olu ncedo lobuchwephesha lunegalelo elikhulu ekuthandweni kwazo.
Inkxaso yolawulo yenye into ebalulekileyo. Oorhulumente abaninzi baseAfrika baye banciphisa imithetho yokukhuthaza iinkonzo zemali eziphathwayo, bekhuthaza abaqhubi beefowuni kunye neebhanki ukuba basebenzisane. Umzekelo, i-M-Pesa yaseKenya iphumelele ngenxa yemigaqo-nkqubo yokuxhasa, eyathi ngokungathanga ngqo yaqhuba ukwamkelwa kwee-ATM zeMobile Money.
Ukongeza, inkqubo yemali yeselula eAfrika ivuthiwe. Iinkonzo ezifana ne-M-Pesa kunye ne-MTN Mobile Money zifumene ukuthenjwa okukhulu ngabasebenzisi, nto leyo eyadala isiseko see-ATM zeMobile Money. Abasebenzisi baqhelene neentengiselwano zeselula kwaye ngoku bafuna ukufikelela kwimali ngokulula, nto leyo ii-ATM eziyenzayo.
Ukugcina iindleko zisebenza kakuhle nako kuyimbangela. Ukwakha amasebe ebhanki yesiqhelo kuyabiza, ngelixa ii-ATM zeMobile Money zinokusetyenziswa ngexabiso eliphantsi kusetyenziswa iziseko ze-GSM ezikhoyo. Oku kwenza iinkonzo zemali zifikeleleke kwiindawo ezikude, nto leyo enciphisa iindleko zokusebenza.
Izinto zenkcubeko akufuneki zijongwe. Ama-Afrika amaninzi akhetha ukuthengiselana ngemali, kwaye ii-ATM zeMobile Money zibonelela ngebhulorho phakathi kwemali yedijithali neyezinto ezibonakalayo, zihlangabezana nezinto ezikhethwa ngabasebenzisi.
Izinto eziqwalaselwe kukhuseleko zezinye izinto. Iintengiselwano ze-USSD zihlala zifuna ukuqinisekiswa kwe-PIN, kwaye iinethiwekhi ze-GSM zibonelela ngokubethela, okwandisa ukuzithemba komsebenzisi kukhuseleko. Oku kubaluleke kakhulu kwiindawo ezineengozi eziphezulu zobuqhetseba.
