Kwiminyaka embalwa, eyona ndlela ikhawulezayo yokujonga iiakhawunti zethu kukusebenzisa i-smartphone kunye nezicelo ezizinikezelweyo esizifumana kwiibhanki. Ngamaxesha athile, Ukusebenzisana nezicelo kushiya okunqwenelekayo, esisinyanzela ukuba siye kwisebe elifanelekileyo ukuya kulwa nomlawuli okanye nomsebenzi.
Kodwa ukuba ngenene sifuna ukwazi ngawo onke amaxesha ukuba imali yethu iyahamba, yimalini esiyigcinayo inyanga nenyanga, yimalini eshiyekileyo ilindile kwimali mboleko esinayo ukongeza kumakhadi etyala, kwakhona izicelo zebhanki azihlali zingcono ukhetho lokujonga, nangona kubonakala kungakholeki. Kwezi meko Isicelo seFintonic lolona khetho lufanelekileyo.
Ayiloxesha lokuqala kwaye ayisayi kuba kukugqibela ukuba sithethe ngale sicelo esinokuthi ngayo ukufikelela kuzo zonke iiakhawunti zethu kunye kwindawo enye kwaye ngaphandle kokuhamba phakathi kwezicelo zebhanki ezahlukeneyo, kuba nganye inikezela ujongano olwahluke ngokupheleleyo kunye nokukhetha.
Kule minyaka mihlanu inkampani isebenza, isicelo sisetyenziswa ngabasebenzisi abangaphezulu kwama-400.000 phakathi kweSpain neChile, ekuphela kwamazwe apho ikhoyo ngoku, nangona baceba ukwandisa inkonzo yabo kwamanye amazwe kungekudala. Kodwa iFintonic ayisiyiyo kuphela inkonzo esiyinikwa yinkampani, kuba ikwenza ukuba inkonzo yeFinScore ifumaneke kuthi, inkonzo esiza kuthi sikwazi ukuyazi ngawo onke amaxesha sixabisa malini kwibhanki yethu kwaye ungazama ntoni ngoku Ukukhuphela usetyenziso lweFintonic.
Yintoni iFinScore?
I-FinScore iza kwintengiso ukuzama ukwanelisa ukungabikho kolwazi abanye abasebenzisi abanalo ekusebenzeni kweebhanki. Njengomgaqo ngokubanzi, kwiibhanki asiyonto ngaphandle kwenani, inani abazama ukufumana okona kuninzi kulo, nokuba kungokuthunyelwa kwekhomishini okanye ngenzala abayisebenzisayo kwimali mboleko abasinika yona.
Zonke iibhanki zixhomekeke kwimbali yethu yebhanki ukuze zisinike inzala esezantsi okanye ephezulu. Ixabiso esinalo kwiibhanki lulwazi ngokucacileyo abangabelani ngalo nabasebenzisi, ukusukela oko abafuni ukuba sazi ukuba sibaluleke kangakanani kubo. Ngokucacileyo, okukhona kubaluleke ngakumbi ebhankini, kokukhona sonyusa amanqanaba oxinzelelo lokufumana iimeko ezingcono, kuba ibhanki ayifuni kulahlekelwa ngumthengi nangaliphi na ixesha.
NgeFinScore, sinokwazi ngalo lonke ixesha yintoni uvavanyo olunayo iibhanki kuthi, ukuba sisalathiso sokuqala sephrofayili yetyala emiselweyo ukutshintsha ubudlelwane bemveli phakathi kweebhanki kunye nabaxumi bazo, kuba iyakwazi ukumisela inqanaba labo lamatyala ukubonelela ngeemeko ezithile okanye ezinye.
Isebenza njani iFinScore?
IFinScore okwangoku yile Inkonzo yolu hlobo kuphela esinokuyifumana eSpain, kwaye ujoyine amanye amazwe afana neJamani okanye iUnited States apho olu hlobo lwesalathiso lonyuse ukungafihli kunye nokhuphiswano phakathi kweebhanki kunye nabaxumi bazo, ukongeza ekunciphiseni ukungabinamatyala.
Emva kokuhlalutya zonke iiakhawunti esizongeze kwisicelo seFintonic, oku uphethe yedwa kwaye ngokungachazwanga ukunxibelelana nesalathiso seFinScore, isalathiso esinokuyithenga kunye nezinye iiprofayili zobudala, indawo, indawo yomsebenzi ... ukugcina imfihlo yabasebenzisi ngawo onke amaxesha.
Isalathiso IFinScore isinika amanqaku phakathi kwamanqaku angama-300 ukuya kuma-900, egqitywa emva kokuhlalutya ngaphezulu kwe-130 eziguquguqukayo, ezinje nge-avareji yenyanga eseleyo yeakhawunti, umvuzo wenyanga, umvuzo wenyanga okanye wonyaka esiwufumanayo, iindleko zenyanga, inani lamatyala kunye nesixa salo, ukuba sizibuyisile iirisithi, ezinye uhlobo lwe-embargo, inani lokhuseleko esinalo ...
Nje ukuba sifumane isalathiso seFinScore, usetyenziso lusivumela ukuba sazi zithini iimeko esinokuzifumana Xa siqesha imali mboleko, enje ngenzala, elona xabiso liphezulu esinokuthi silicele ... Kodwa ukongeza, sinokufikelela kuluhlu olubanzi lweekhredithi ezizezakho ezifumaneka kwiqonga leFintonic, iqonga elisinika ukufikelela Uluhlu lweemveliso kunye neenkonzo ezinje ngeinshurensi yasekhaya, imoto, uncedo ...
I-Fintonic isebenza ngaphezu kweebhanki ezingama-50, ke akufuneki sitshintshe iibhanki akukho xesha lokuba sikwazi ukusebenzisa zombini iinkonzo zolwazi ezinikezelwa kuthi kunye nesalathiso seFinScore. Enkosi ngokuhambelana namaziko amaninzi emali, isicelo siza kusivumela ukuba sisebenzise izibonelelo ngendlela ekhuselekileyo okanye iimveliso zezezimali ezifanelekileyo kwiimfuno zethu, ngaloo ndlela sisebenza njengomlamli ebhankini nakumsebenzisi.
Ukuze ufumane isalathiso, I-FinScore isebenzisa izixhobo zokufunda ngomatshini, Uhlalutyo lweDatha eNkulu, ukongeza kubuchule kunye nealgorithms yokuxela kwangaphambili, ukuxuba lonke ulwazi olufunyenweyo ukuze lukwazi ukwahlula umsebenzisi ngokuhambelana nokuhamba kwemali abakwenzileyo kwiinyanga ezintandathu ezidlulileyo.
Umbuzo wesigidi seedola Ngaba ukhuselekile?
Njengaso nasiphi na esinye isicelo esifuna ukuba sisixhobo esiluncedo kuye nawuphi na umsebenzisi xa kufikwa kwimali yethu, ukhuseleko ngomnye wemibuzo yokuqala esisoloko sizibuza yona. Ukuba sele singabasebenzisi beFintonic, ngokuqinisekileyo uyazi ukuba isicelo ayisibuzi nangaliphi na ixesha nge-ID yethu, kodwa sifuna kuphela iakhawunti ye-imeyile ukuqala ukusebenzisa le nkonzo.
Okwesibini, kufuneka sithathele ingqalelo ukuba xa silungiselela ukufikelela kwiiakhawunti zethu kwisicelo, sinika kuphela idatha yokufundaAsinakuze sibonelele ngedatha ukuze sikwazi ukwenza imisebenzi, kuba iFintonic sisicelo sokudibana neeakhawunti zethu, esingenakho ukwenza nawuphi na umsebenzi ochaphazela ukuhamba kwemali yethu.
Ukuthintela nabani na ongena kwiselfowuni ekubeni afikelele kulwazi lwethu lwezezimali, sinako thintela ukufikelela kwisicelo ngePIN khowudi okanye ngesifundi seminwe sesiphelo sethu, ukuba unayo.
Njengokuba konke oku kungasentla kungonelanga, kufuneka sikhumbule ukuba isicelo siqinisekisiwe ngu-Confianza Online, Norton noMcAfee kwaye I-encryption esetyenziselwa ukuhambisa ulwazi ngama-256 bits. Ukongeza, idatha ayigcinwanga kuyo nayiphi na iseva, ulwazi ludluliselwa kuphela kwifom efihliweyo ukusuka ebhankini ukuya kwisixhobo esifikelela kuso.
Ixabisa malini iFinScore?
I-FinScore yinkonzo eyongezelelweyo esinokuyifumana ngokusetyenziswa kweFintonic, isicelo eso ngokupheleleyo simahla, kunye nenkonzo entsha abasinika yona ukuba sazi ngawo onke amaxesha ukuba sixabiseke kangakanani kwibhanki yethu. Ukuba ufuna ukuzama, unga khuphela apha.
