IBatch Credit Reporting Processing | Ababolekisi kunye nabarhwebi
Indlela ibhetshi yokusetyenzwa kwengxelo yetyala eMzantsi Afrika ithatha indawo yotsalo lwexesha elinye kubabolekisi kunye nabarhwebi. Idatha eyakhiweyo, iindlela zophicotho, isikali.
Ababolekisi nabathengi bamatyala eMzantsi Afrika abaqhuba izicelo ezininzi babetha ngokukhawuleza xa iingxelo ze-bureau zitsalwa ibe nye ngexesha. Isicelo ngasinye sithetha okunye ukungena kwi-Experian, Datanamix, TransUnion, XDS, okanye Compuscan; enye iPDF yokukhuphela; enye incwadi yokufunda kunye nokungena kwedatha. Kwizicelo ezingamashumi amahlanu okanye ezilikhulu ngosuku, imodeli enye-ngexesha ichitha iiyure zexesha labasebenzi, idala imiqobo, kwaye ishiya indawo encinci yovavanyo oluhambelanayo okanye iindlela zophicotho olufanelekileyo. Ukusetyenzwa kwengxelo yetyala lebhetshi uMzantsi Afrika ujongana nobuhlungu bokusebenza: ukutsalwa kunye nokwakhiwa kweengxelo ezininzi kwintsebenzo enye ukuze abaphononongi bakwazi ukusebenza kumgca wedatha esele ilungile endaweni yokuphinda amanyathelo afanayo okwenziwa ngesandla kwisicelo ngasinye. Eli nqaku licacisa ukuba kutheni le ndlela yangoku isilela kwisikali, ukuba ibhetshi efanelekileyo ijongeka njani, ihambelana njani nolindelo lweNCA kunye ne-NCR, kwaye ngubani ozuza kakhulu. Dibana no ukubona ukuba i-batch bureau itsala njani kunye neengxelo ezicwangcisiweyo zingakuxhasa ukuboleka kwakho okanye ukuqhubeleka komsebenzi.
Umqala weBone-ngexesha
Kubaninzi ababoneleli ngetyala kunye nabarhwebi, inkqubo yemihla ngemihla iseyisicelo-ngesicelo. Ibhetshi yezicelo iyafika-isuka kwiphaneli yomthengisi, iqabane lokuthengisa, okanye inkqubo yemvelaphi yangaphakathi. Ifayile nganye ivuliwe; umvavanyi ujonga inombolo yesazisi somfaki-sicelo, ungene kwi-portal ye-bureau ekhethiweyo, acele ingxelo, alinde iPDF, ayikhuphele, aze ayifunde kwaye ayitolike phambi kokurekhoda isigqibo. Isicelo esilandelayo siphinda umjikelo. Akukho sicelo sininzi, akukho luhlu lweengxelo ezitsalwe kwangaphambili, kwaye akukho kwabelwanaimbono eyakhiweyo. I-bottleneck ayiloxesha lokuphendula le-bureau ngokuzimeleyo; yindleko eyongezelekayo yokwenza ulandelelwano lwezandla olufanayo ngamakhulu amaxesha.
Impembelelo ibonakala ngeendlela ezintathu. Ixesha: Utsalo ngalunye lwengxelo lubandakanya imizuzu emininzi yokungena, ukucela, ukukhuphela, kunye nokuvulwa. Kwizicelo ze-100 ngosuku, oko kunokuthetha ukuba uninzi lomhla wokuvavanya luchithwe ekufumaneni nasekuphatheni ifayile kunokuvavanya kunye nokwenza izigqibo. Ungqinelwano: xa ingxelo nganye isingathwa yodwa, akukho kutsalwa okusemgangathweni. Omnye umvavanyi unokujolisa kwiinkalo ezithile; omnye unokuphosa isalathisi esibalulekileyo. Khuphela-uncamathisele kwisipredishithi sazisa iimpazamo; iitemplates zikhukuliseka. Ingozi yophicotho-zincwadi: ukudibanisa ingxelo ethile yengxelo kwisigqibo esithile, umqhubi, kunye nesitampu sexesha kunzima xa iingxelo zihlala njengeePDF kwiifolda kunye nezigqibo zihlala kwiCRM okanye i-imeyile. Xa i-NCR okanye umphicothi-zincwadi wangaphakathi ebuza ukuba isigqibo senziwe njani na, umkhondo uyaqhekeka. Imodeli enye-ngexesha isebenza kwivolumu ephantsi; kwisikali iba ngowona mqobo uphambili ekuphumezeni nasekuthotyelweni.
Kutheni izisombululo zangoku zisilela
Iifemu zihlala zizama ukunciphisa intlungu ngaphandle kokutshintsha ipateni ephantsi. Abasebenzi abongezelelweyo babelwa “ukutsala ingxelo,” ukuze umntu omnye anike iingxelo kwabanye abavavanyayo. Oko kwandisa umthamo kodwa kuphinda-phinde amanyathelo okwenziwa ngesandla kwaye akwenzi nto ukulinganisa ukutolika okanye ukuphucula ukulandeleka. Abanye basebenzisa i-spreadsheets ukulandelela ukuba zeziphi izicelo ezifuna iingxelo kwaye zeziphi ezitsaliweyo; i-spreadsheet iba ngumgca, kodwa ingxelo nganye isaceliwe kwaye ikhutshelwengabanye. I-bottleneck ihamba ngokulula: abantu abaninzi bangena kwaye baphuma kwii-portal ze-bureau, ii-PDF ezininzi zokubiza kunye nefayile, ukuphinda kufakwe isitshixo sedatha.
IiCRM eziqhelekileyo okanye izixhobo zolawulo lwetyala azizisombululi. Banokugcina iinkcukacha zesicelo kwaye baqhoboshele ii-PDF, kodwa abanakucela iingxelo kwii-ofisi zaseMzantsi Afrika, ukucazulula iziphumo zeofisi kwiinkalo ezicwangcisiweyo, okanye baqhube utsalo oluninzi. Umsantsa wokudityaniswa uhleli: umntu kusafuneka ayishiye iCRM, aye kwi-bureau, atsale ingxelo, aze abuye. I-Excel-based workflows ilinganiselwe ngokufanayo. I-spreadsheet inoluhlu lweenombolo ze-ID kunye nesimo sokulandelela, kodwa ayikwazi ukubiza ii-APIs ze-bureau okanye iguqule idatha ye-multi-bureau. Isiphumo sisiluphu semanuwali esinye esinoluhlu lokukhangela olungcono kancinane. Into engekhoyo yile ibhetshi yesakhono: ukukwazi ukungenisa uluhlu lwezazisi, ukufumana iseti yeengxelo, kwaye zicwangciswe kwaye zilungele ukuvavanywa kwindawo enye. Ngaphandle koko, ababolekisi bemali eninzi kunye nabarhwebi babambelele ekuphuculeni inkqubo esisiseko.
Ijongeka njani iBatch Processing
Ukusetyenzwa kwengxelo yetyala lebhetshi ngokufanelekileyo kwenza izinto ezimbini: ** ifumana ** iingxelo ezininzi kumsebenzi omnye (okanye umgca olawulwayo), kwaye ** ilwakhiwo ** iziphumo ukuze zithelekiseke kwaye ziphicothwe. Injongo asikokutshintsha isigwebo ngokuzenzekela; kukususa amanyathelo okubuyisela okuphindaphindiweyo kunye nokufakwa kwedatha ukwenzela ukuba abavavanyi bachithe ixesha lokuhlola.
Isicelo sesambuku kunye nolawulo lomgca. Endaweni yesicelo esinye ngesicelo ngasinye, le nkqubo yamkela uluhlu lwezazisi (umzekelo, iinombolo zesazisi okanye iimbekiselo zesicelo) kwaye izingeniseukufunyanwa kwengxelo. Iingxelo zinokutsalwa kwiibhetshi ukusuka kwi-ofisi enye okanye ngaphezulu-Experian, Datanamix, TransUnion, XDS, Compuscan-kuxhomekeke kwizivumelwano ze-bureau kunye nomgaqo-nkqubo. Undoqo kukuba umqhubi akenzi utsalo ngalunye ngesandla; inkqubo ilawula umgca kwaye ibuyisela iingxelo njengoko zilungile. Utsalo olungaphumeleliyo okanye olulibazisekileyo lunokuzanywa kwakhona okanye lufakwe iflegi ngaphandle kokuthintela yonke ibhetshi.
Imveliso ecwangcisiweyo, hayi izipaki zePDF. Imveliso yebhetshi ekrwada ayisetyenziswa ngokulinganiselweyo ukuba ifika njengamakhulu eePDF. Ukusetyenzwa kakuhle kwebhetshi kucazulula idatha ye-bureau kwiinkalo ezihambelanayo-iiakhawunti, indlela yokuhlawula, ibhalansi, ulwazi olubi-ukuze ingxelo nganye ikwifomathi efanayo kungakhathaliseki ukuba i-bureau okanye uhlobo lwengxelo. Ixhasa ingxelo yetyala lokuqhutywa komsebenzi oluzenzekelayo: abavavanyi babona iimbono ezisemgangathweni, basebenzise iindlela ezifanayo, kunye nezigqibo zexwebhu ngokuchasene nedatha eyakhiweyo. Iziphumo zinokutyisa i- idatabase yengxelo yetyala enokuphendwa kwaye igcwele iindlela zophicotho lwetyala ngaphandle kwamanyathelo ongezelelweyo okwenziwa ngesandla.
Ubungakanani bomsebenzi kunye nokuphicothwa kwebhetshi. Ingxelo nganye kwibhetshi ifakwe isitampu samaxesha kwaye inxulunyaniswe nomntu osungule ibhetshi kunye nezicelo okanye iimeko ezinikelayo. Xa isigqibo sirekhodwa, sibotshelelwa kuhlobo oluthile lwengxelo kunye nengqiqo. Oko kwanelisa ulindelo lwe-NCR kumaxwebhu, novavanyo olulandelekayo kunye nenkxaso Iimfuno zokugcina iirekhodi zeNCA. Ukusetyenzwa kwebhetshi kwisikali kusebenza kuphela ukuba akuncama ukuthotyelwa; Ubalulo kunye nonxulumano alunangxoxo.
Ukuthobela kunye noMongo woLawulo
Ukusetyenzwa kwebhetshi akuzigqithi izibophelelo zolawulo. I-National Credit Act kunye ne-NCR zifuna abaniki-nkonzo zeentengo zemboleko kunye nee-credit brokers ukubaukwenza uhlolo olululo, ukufikeleleka kwamaxwebhu kunye nokuqwalaselwa komngcipheko, kunye nokugcina iirekhodi ezibonisa indlela izigqibo ezenziwe ngayo. Ukutsala iingxelo ngobuninzi akutshintshi loo nto; iyayitshintsha indlela efumaneka ngayo kwaye yakhiwe ngokufanelekileyo idatha esisiseko.
i-NCA kunye nokufikeleleka. ICandelo lama-81 nelama-82 le-NCA libeka izibophelelo ezicacileyo kubaniki-nkonzo zeentengo zemboleko ukuze bahlole ukufikeleleka kunye nokuphepha ukuboleka imali ngokungakhathali. Nokuba iingxelo zitsalwa zibe nye ngexesha okanye ngokwebhetshi, uvavanyo ngalunye kufuneka lwenziwe kwaye lubhalwe. Ukusetyenzwa kwebhetshi kuxhasa oko ngokunikezela ngedatha ecwangcisiweyo kwifomathi engaguqukiyo, ukuze ukufikeleleka kovavanyo isetyenziswe ngokufanayo kunye nengqiqo yesigqibo ngasinye sishicilelwe kwaye sigcinwe. I-LINK_6_ ishwankathela ezi zibophelelo; inqaku apha kukuba ukufunyanwa kwebhetshi kunye nolwakhiwo kwenza kube lula ukuhlangana nabo kwisikali, hayi ukubajikela.
I-POPIA kunye nokuphathwa kwedatha. Iingxelo zeBureya ziqulathe ulwazi lomntu olunovakalelo. Imisebenzi yebhetshi kufuneka iyilwe ukuze ufikelelo lulawulwe, ukusetyenziswa kufakwe, kwaye ukugcinwa kuhambelane nomgaqo-nkqubo kunye nomthetho. Ufikelelo olusekwe kwindima kumaqela amatyala iqinisekisa ukuba ngabasebenzi abagunyazisiweyo kuphela abanokuqalisa ukutsalwa kweebhetshi okanye ukujonga iziphumo; kudityaniswe neendlela zophicotho-zincwadi, ezixhasa ulindelo lwe-NCR kunye nokuphathwa kwedatha yekhredithi ehambelana nePOPIA.
Isicelo esisebenzayo: ababolekisi kunye nee-Broker
Ababoneleli ngetyala—iibhanki, ababolekisi-mali abancinci, abathengisi ababolekayo—basoloko befumana izicelo eziye zihambe ngokukhawuleza (ukuphela kwenyanga, amaphulo, ukungeniswa kwee-broker). Ukusetyenzwa kwesicelo ngasinye ngokungena kwiziko elahlukileyo kunye nokukhuphela iPDF kudala ukusilela kunye nokulibazisa izigqibo. Iqelaukusetyenzwa kwengxelo yetyala kuvumela ibhetshi yasekuseni yezicelo ukuba ithunyelwe ukufunyanwa kwengxelo; ngexesha abaphononongi beqala umsebenzi, okanye kungekudala emva koko, iingxelo ezihambelanayo zifumaneka kwifomathi eyakhiweyo. Abavavanyi baphonononga iimbono ezisemgangathweni, basebenzise umgaqo-nkqubo wangaphakathi kunye ukufikeleleka kovavanyo neenqobo zokugweba, kwaye barekhode bavume/banqabe/babhekiselele ngokulandeleka ngokupheleleyo. Ukonyuka komsebenzi ngenxa yokuba ukubuyiswa kunye nokwakhiwa kusingathwa ngobuninzi; Ukungaguquguquki kunye nokulungela uphicotho kuyaphucuka kuba ulwakhiwo olufanayo kunye nokuhamba komsebenzi kusebenza kwingxelo nganye. Isoftware yababoneleli ngetyala eMzantsi Afrika exhasa ukutsalwa kweebhetshi kunye neengxelo ezicwangcisiweyo zakhelwe le pateni.
Abathengisi bamatyala bajongene nengxaki yevolumu efanayo. Abafaki-zicelo abafaneleka kwangaphambili kubo bonke ababolekisi abaninzi bafuna ufikelelo olukhawulezayo kwidatha ye-bureau. Xa zonke iziqinisekiso zangaphambili zithetha ukutsalwa kwengxelo ngesandla, abathengisi bachitha ixesha ekubuyiseni kwaye basengozini yokuphulukana nabafaki-zicelo kubakhuphisana ngokukhawuleza. Ukusetyenzwa kwebhetshi kuvumela abarhwebi ukuba bangenise uluhlu lwabafaki-zicelo, bafumane iingxelo ezicwangcisiweyo ngexesha elinye, kwaye emva koko bavavanye okanye bafanelekele kwangaphambili ngokuchasene neenqobo zombolekisi ngaphandle kokuphinda kufakwe idatha. Oko kuhambelana isoftware yomthengisi wetyala eMzantsi Afrika: ingqwalasela inzame kubafaki-zicelo abanethuba lokwamkelwa, ukunciphisa ixesha kwimiba engathembekiyo, kwaye ugcine umkhondo wophicotho ocacileyo weengxelo ezixhasa isindululo ngasinye. Ukutshintshela kwi-Excel ukuya kwisoftware yovavanyo lwetyala linyathelo elinye; Ukongeza i-batch bureau amandla okwenza isikali sokuhamba komsebenzi xa umthamo wesicelo ukhula.
Yeyabani Le
Ukusetyenzwa kwengxelo yetyala lebhetshi kubaluleke kakhulu kubaboneleli ngetyala kunye** nabarhwebi ngetyala** abaqhuba izicelo ezininzi kwaye ngoku batsala iofisiinika ingxelo enye ngexesha. Ukuba iqela lakho lichitha isabelo esikhulu sosuku ngokungena kwii-portals ze-bureau, ukukhuphela ii-PDF, kunye nokufaka idatha kwakhona kwi-spreadsheets, i-batch capability ilungisa ngqo loo ngxaki. Ayibalulekanga kangako kwimisebenzi yomthamo ophantsi kakhulu apho iingxelo ezimbalwa ngosuku zilawuleka ngesandla; iba yimfuneko xa ivolyum ifikelela kwishumi okanye kumakhulu ezicelo ngosuku kwaye imodeli yexesha elinye iqala ukunciphisa umthamo, ukungaguquguquki, kunye nokulungela uphicotho.
Ababolekisi kunye nabarhwebi abasele besebenzisa ingxelo yetyala lokuqhutywa komsebenzi oluzenzekelayo baya kufumanisa ukuba inkqubo yeebhetshi ingena ngokwendalo: idatha ecwangcisiweyo efanayo, iimbono ezisemgangathweni, kunye neendlela zophicotho ziyasebenza; umahluko kukuba iingxelo zifunyanwa ngobuninzi endaweni yezodwa. Iifemu ezivavanyayo isoftware yomboneleli wetyala okanye isoftware yomthengisi wetyala kufuneka ziqwalasele ukuba iqonga liyayixhasa ibhetshi okanye ingxelo yesambuku itsalwa ecaleni kokuhanjiswa kwengxelo enye, ukuze ukukhula komthamo wesicelo kunganyanzeli ukuba kubuyelwe kwi-manual, inkqubo yothotho.
Isishwankathelo kunye nenyathelo elilandelayo
Ukusetyenzwa kwengxelo yetyala lebhetshi eMzantsi Afrika kususa umqobo wexesha elinye kubabolekisi kunye nabarhwebi: ngenisa uluhlu lwezicelo, ubuyise kwaye uhlele iingxelo ze-bureau ngobuninzi, kwaye uvavanye kumgca wedatha esele ilungile, enokuthelekiseka kunye nokuchazwa kwabasebenzisi ngokupheleleyo kunye neendlela zophicotho. Ixhasa ulindelo lwe-NCA kunye ne-NCR kuvavanyo olubhaliweyo kunye nokuphathwa okuhambelana ne-POPIA kwedatha ebuthathaka, kwaye ilinganisela ngomthamo ngaphandle kokuphindaphinda amanyathelo okwenziwa ngesandla. Isetyenziswa ziifemu ezicwangcisiweyo kwaye yakhelwe ukwenza izigqibo zetyala rhoqo, le ndlela ijika ukubuyiswa kwengxelo ephezulu ukusuka kwisithintelo.kuhambo olulawulekayo, oluthobelayo.
Dibana no ukubona ukuba ukusetyenzwa kwengxelo yetyala lebhetshi kungasebenza njani nokusetwa kwe-bureau kunye nomthamo wesicelo. Siza kukubonisa indlela ingxelo eninzi itsala ngayo kunye nedatha ecwangcisiweyo evela kwi-Experian, i-Datanamix, iTransUnion, i-XDS, kunye neCompuscan inokuxhasa izigqibo ezikhawulezayo kunye nokuhamba komsebenzi olungele ukuphicothwa kwemisebenzi yakho yokuboleka okanye yokurhweba.