Ingabe ama-app okwahlukanisa amabhili adinga i-akhawunti yakho yasebhange? Yini ngayinye eyicelayo ngempela

Umbuzo uvela ngesikhathi i-app icela okungaphezu kwegama: ingabe le nto idinga i-akhawunti yami yasebhange, futhi kwenzekani uma ngithi cha? Ngumbuzo ofanele ukubuza noma yini enegama elithi imali eduze kwayo, futhi impendulo eqotho incike ngokuphelele kokuthi yimuphi kule misebenzi emibili i-app ewenzayo.

Cishe zonke izi-app kulesi sigaba zenza umsebenzi wokuqala. Ezinye zenza nowesibili. Umsebenzi wokuqala awudingi lutho oluphathelene nemali ngawe; owesibili udinga okuningi.

Imikhiqizo emibili ehlukene egqoke igama elilodwa

Irekhodi libhala izindleko ezabelwanayo bese libala amabhalansi. Ligcina amanani, ukuthi ubani okhokhile, nokuthi indleko ngayinye yayingekabani. Alikaze libambe imali, ngakho alinalutho lokuqinisekisa futhi alinalutho lokukukhokhisa ngokudlulisa. Yilokho okushiwo “ukwahlukanisa ibhili” kuphela.

Insizakalo yokukhokha empeleni idlulisa imali phakathi kwabantu. Ukuze yenze lokho idinga indlela yokuthatha imali ku-akhawunti eyodwa iyifake kwenye, okusho imininingwane yasebhange noma ikhadi, futhi kusho ukuba yinsizakalo yezimali elawulwayo. Lokho kulawulwa yikho lapho ukuhlolwa kobunikazi kuvela khona.

Ama-app amaningi anamathisela owesibili kowokuqala, imvamisa njengenkinobho yokuzikhethela eduze kwebhalansi. Leyo nkinobho ilula. Iphinde ibe yisizathu esiphelele sokuthi kungani ukubhalisa kwe-app kucela izinto irekhodi elingasoze ladinga.

Yini ngayinye eyicelayo

Lowo mugqa wokugcina uwusizo. Ukwenqaba isinyathelo sokukhokha cishe akulokothi kubulale ukwahlukanisa — kusho nje ukuthi nikhokha ngendlela abantu ababekhokha ngayo ngaphambi kokuba inkinobho ibe khona: ukudlulisa imali, ikhesi, noma noma yini abangane bakho abavele bayisebenzise, bese umaka ukuthi kukhokhiwe.

Kungani i-app ingafuna inombolo yakho yomazisi

Yilona mbuzo ozwakala usabisa kakhulu kodwa onempendulo eyisicefe kunazo zonke. Insizakalo ebamba noma edlulisa imali yabanye iyinsizakalo yokukhokha, futhi izinsizakalo zokukhokha kudingeka zazi ukuthi amakhasimende azo ongubani. ENingizimu Afrika lolo hlolo luvame ukuhlanganisa inombolo yomazisi; kwezinye izindawo yidokhumenti yobunikazi elingana nayo. Yiwo kanye amaphepha ibhange elawacelayo, ngesizathu esifanayo.

Kunezinto ezimbili ezilandelayo. Okokuqala, leso sicelo asibona ubufakazi bokuthi kukhona okungahambi kahle. Okwesibili, sibufakazi bokuthi ubhaliselwa umkhiqizo wezimali, hhayi isibali — ngakho kufanelekile ukunaka ngendlela obungaqaphela ngayo umkhiqizo wezimali, futhi akukho kukho okudingekayo ukuze wahlukanise ibhili yesidlo sakusihlwa.

Ingabe kubiza okuthile?

Hlukanisa lezi zingxenye ezimbili bese intengo iyeka ukudida.

Ukwahlukanisa yilapho amazinga okubhalisa ahlala khona. Isibonelo, i-Splitwise imahhala ekwahlukaniseni inomkhawulo ocishe ube yizindleko ezintathu ngosuku nezikhangiso phakathi kwezikrini, futhi ibeka ukuskena irisidi nokuguqula imali ngemuva kwezinga le-Pro elingu-$4.99 ngenyanga. Lokho akuhlangene nezinkokhelo — ungakhokhi lutho ungayiboni inkokhiso, uzohlangana nje nomkhawulo. Okulahlwa uhlelo lwamahhala kuyakuchaza ngokuningiliziwe.

Ukudluliswa kwemali kubekelwa intengo yilowo oyidlulisayo, hhayi i-app yokwahlukanisa, futhi kuyahluka ngezwe nangendlela yokukhokha. Uma inkokhiso yokudlulisa ngakunye ivela ngesikhathi sokukhokha, ingeyabahlinzeki bokukhokha, futhi indlela yokuyigwema ukukhokha ngendlela obuzokhokha ngayo.

Yini okumele uyihlole ngaphambi kokuxhuma noma yini

Imibuzo emine, ngokulandelana. Isebenza kunoma iyiphi i-app, kufaka phakathi neyethu.

1. Lo mxhumano ungowani? Uma impendulo ithi “ukuze sikwazi nokuthumela imali”, ngokuvamile ungawuyeka bese ugcina ukwahlukanisa.
2. Ubani owenza inkokhelo? I-app yokwahlukanisa cishe ayilokothi yenze izinkokhelo ngokwayo. Thola igama lomhlinzeki okwenzayo.
3. Yimalini inkokhiso, futhi ubani okhokhiswayo? Umthumeli, umamukeli, ngokudlulisa ngakunye noma ngenyanga — kumele kushiwo ngaphambi kokuxhuma, hhayi emva kwalokho.
4. Uwunqamula kanjani futhi ukususa kanjani? Uma ukususa umxhumano nokususa i-akhawunti kunzima ukukuthola ku-app, kuthathe njengempendulo yombuzo wonke.

Lapho i-Donget ingena khona

I-Donget iyirekhodi, ngamabomu. Ayinandlela yokukhokha, ngakho ayilokothi icele i-akhawunti yasebhange, ikhadi noma idokhumenti yobunikazi, futhi ayikho inkokhiso yokudlulisa okumele uyigweme. Ungena nge-Google noma i-Apple — alikho iphasiwedi ye-Donget engavuza — futhi umsebenzi we-app yirekhodi.

Uma isikweletu sikhokhiwe ucindezela u-Hlanganisa izikweletu bese u-Amabhalansi ubuyekezwa. Imali iye lapho iqembu lakho selivele lithumela khona imali. Izindleko namabhalansi eqembu abonwa amalungu alo kuphela, ungakhipha imininingwane yakho, futhi ungasusa i-akhawunti yakho nemininingwane yakho siqu ehambisana nayo kuzilungiselelo ze-app. Ukwahlukanisa kumahhala kungenamkhawulo wosuku futhi kungenazikhangiso, kanti u-Skena irisidi ufakiwe kunokuthi uthengiswe — ngakho ayikho nendlela yokuthuthukisa ephetha emkhiqizweni wezimali.

Imibuzo evame ukubuzwa

Ingabe i-app yokwahlukanisa amabhili idinga i-akhawunti yami yasebhange?

Kuphela uma iphinde idlulise imali. I-app evele ibhale ukuthi ubani okweleta ini ayidingi nhlobo imininingwane yasebhange — nikhokhelana ngendlela enivele niyisebenzisa, bese nimaka ukuthi kukhokhiwe.

Kungani i-app yokwahlukanisa icela umazisi wami noma inombolo yentela?

Ngoba insizakalo ebamba noma edlulisa imali egameni lakho iyinsizakalo yokukhokha elawulwayo, futhi izinsizakalo zokukhokha ezilawulwayo kumele ziqinisekise ukuthi amakhasimende azo ongubani. Ingxenye yokwahlukanisa ye-app ayikudingi lokho nhlobo; ingxenye yokukhokha iyakudinga.

Ingabe i-Splitwise iyakhokhisa?

Ukwahlukanisa izindleko kumahhala, kunomkhawulo ocishe ube yizindleko ezintathu ngosuku, izikhangiso, nezinga le-Pro elingu-$4.99 ngenyanga lokuskena irisidi nokuguqula imali. Noma yikuphi ukukhokhiswa kokudlulisa imali kwehlukile kulokho futhi kungokwabahlinzeki bokukhokha.

Ingabe kuphephile ukuxhuma i-akhawunti yasebhange ku-app enjena?

Kwahlulele ngokuthi i-app iwudingelani lo mxhumano. Uma ufuna ukwahlukanisa kuphela, i-app engalokothi icele iyingozi encane, ngoba imininingwane ongazange uceleke yona ayikwazi ukuvuza.

Ngingayisebenzisa i-app yokwahlukanisa ngisakhokha ngokheshi noma ngokudlulisa imali ebhange?

Yebo, futhi amaqembu amaningi enza kanjalo. Bhala inkokhelo ku-app emva kwalokho ukuze ibhalansi ifane neqiniso; i-app iyirekhodi, hhayi ithili.

Yini okumele ngiyihlole ngaphambi kokuxhuma noma yini ephathelene nemali?

Yiyiphi imininingwane eqoqwayo, ubani oyenza inkokhelo, yimalini inkokhiso, nokuthi uwususa kanjani umxhumano ne-akhawunti. Uma noma yikuphi kwalokhu okune kunzima ukukuthola, yileyo impendulo yakho.

Umgomo wodaba

Ukwahlukanisa ibhili yizibalo, futhi izibalo azidingi i-akhawunti yakho yasebhange. Uma i-app icela, kungoba ifuna ukwenza nomsebenzi wesibili — umsebenzi okufanelekile ukuwuvumela kuphela uma uwufuna ngempela. Okungabonwa yi-app yezindleko ngumbuzo ohambisana nawo, futhi unempendulo elula ngendlela efanayo.

Landa i-Donget mahhala bese ugcina irekhodi ngaphandle kokunikela ngalutho oluphathelene nemali.