Ingxelo yeTyala yeCompuscan eMzantsi Afrika

ICompuscan yenye yamaziko awona matyala aphambili eMzantsi Afrika, enobukho obuqinileyo kubathengi kunye nedatha yentengo yemboleko kunye nodumo kuhlahlelo, amanqaku, kunye novavanyo lokufikeleleka. Njengezinye iingxelo zeofisi, iingxelo zeCompuscan zihlala zifikelela kwiingcali zetyala njengePDF, nto leyo eyenza uhlalutyo olucokisekileyo kunye nokuthelekisa kubo bonke abathengi kube nzima. Esi sikhokelo sichaza ukuba ingxelo yetyala leCompuscan iqulathe ntoni kumxholo waseMzantsi Afrika, imida ebonakalayo yokusebenza ngeePDFs, kunye nendlela yokwakheka loo datha ixhasa uhlalutyo olungaguquguqukiyo, oluphicothekayo lwabacebisi ngamatyala, abarhwebi, kunye nabanikezeli bamatyala.

Ziqulathe ntoni iiNgxelo zeCompuscan

Ingxelo yetyala leCompuscan eMzantsi Afrika izoba kwiindidi ezibanzi ezifanayo zolwazi njengamanye amaziko, kodwa ugxininiso lweCompuscan kuhlalutyo, amanqaku, kunye nezixhobo ezifikelelekayo kuthetha ukuba izalathisi zomngcipheko kunye nezinto zenkxaso yezigqibo zihlala zibonakala ngokubalaseleyo. Ukuqonda icandelo ngalinye kukunceda ukutolika ingxelo ngokuchanekileyo kwaye uyisebenzise ngokuhambelana nenkqubo yakho. Ukufumana isakhelo esibanzi sokufunda nayiphi na ingxelo yetyala yaseMzantsi Afrika, bona eyethu isikhokelo sokufunda iingxelo zamatyala eMzantsi Afrika.

Iiakhawunti zetyala kunye nedatha yomgca worhwebo

Ingxelo idwelisa ii-akhawunti zetyala kunye nemigca yorhwebo: izibonelelo ezijikelezayo (umzekelo, amakhadi evenkile, amakhadi okuthenga ngetyala), izivumelwano zezavenge (imali-mboleko yobuqu, imali yemoto), kunye nee-akhawunti zokubambisa okanye zebhondi. Kwi-akhawunti nganye udla ngokubona igama lomkweliti, inombolo ye-akhawunti (ehlala igqunywe ngokuyinxenye), umhla wokuvula, ibhalansi yangoku, umlinganiselo wetyala okanye isixa sokuqala, kunye nobume beakhawunti. Ukwahlula ukuvula kwii-akhawunti ezivaliweyo, kunye nohlobo, kubalulekile xaukubala umlinganiselo wetyala-kwingeniso, ukuvavanya ukufikeleleka phantsi koMthetho wamaTyala weSizwe (NCA), okanye ukwakha isindululo sohlengahlengiso lwetyala. Kwifomu yePDF, olu lwazi lusasazwa kuzo zonke iitheyibhile kunye nokubalisa; Ukukhupha uluhlu olucocekileyo, oluthelekisekayo kumxhasi ngamnye ludla ngokufuna ukuskena ngesandla kunye nokuphinda kutshixo.

Iiprofayile zentlawulo kunye neendlela zokuziphatha

Imbali yentlawulo yenye yezona ndawo zinempembelelo kwingxelo. I-Compuscan ibonisa ukuziphatha kokuhlawula kwiintambo zeprofayili okanye iikhowudi ezibonisa indlela umthengi ahlawule ngayo ixesha elide-umzekelo, umtya apho indawo nganye imele inyanga (umzekelo 0 = ukuya kumhla, 1 = inyanga enye kwi-arears, 2 = iinyanga ezimbini, njalo njalo). Le mitya yeprofayile yentlawulo iveza iipatheni: iintlawulo zamva, ukungagqibeki okuphindaphindiweyo, okanye uphuculo lwakutsha nje. Kubacebisi ngamatyala, oku kuqhuba ukubekwa phambili kwee-akhawunti kunye neengxoxo zabaxumi; kubarhwebi kunye nabanikezeli bamatyala, iqhuba umdla womngcipheko. Kwi-PDF, le mitya yimibhalo nje; ngaphandle kokwahlulahlula kwimihlaba eyakhiweyo, awukwazi ukuthelekisa ngokulula kubo bonke abathengi okanye usebenzise imigaqo efana “neflegi ukuba nayiphi na iakhawunti ibonisa iinyanga ezintathu okanye ngaphezulu ezilandelelanayo kwityala.”

Izigwebo, ukusilela, imiyalelo yolawulo, kunye noluhlu olubi

Izigwebo (imiyalelo yenkundla), ukungagqibeki (imeko esemthethweni yokusilela kunye nombolekisi), imiyalelo yolawulo, kunye nolunye uluhlu olubi luvela njengamangeno ahlukeneyo okanye iiflegi. Banefuthe elithe ngqo ekukufanelekeni kwetyala kunye nokufaneleka kwetyala elitsha okanye iziphumo zokuphononongwa kwetyala. Iingxelo zeCompuscan zibonisa imihla, iimali, kunye negama lombolekisi okanye inkundla. Ukuthotyelwa kunye nomthengiiingxoxo, udinga uluhlu oluchanekileyo apho izigwebo kunye nokusilela zikhona kwaye xa zirekhodwa. Kwifomathi yePDF, olu lwazi luhlala kwiibhloko ezibalisayo okanye zetafile; ukuvelisa uluhlu oluhambelanayo kumxhasi ngamnye kuyadika kwaye kulula ukwenza impazamo.

Imbali yophando

Ingxelo ibandakanya uluhlu lwemibuzo-ngubani oye wafikelela kwifayile yekhredithi yomthengi kwaye nini. Imibuzo enzima (umzekelo, izicelo zekhredithi) inokuchaphazela amanqaku kunye nenjongo yomqondiso wokuthatha amatyala amaninzi. Imibuzo ethambileyo (umzekelo, izibonelelo ezivunywe kwangaphambili okanye ufikelelo lwefemu yakho) ayidli ngokuyenza. Kubacebisi ngamatyala kunye nabarhwebi, icandelo lophando likunceda ukuba ubone umsebenzi wamva nje wesicelo kwaye uphephe ukutsalwa kabini; kubabolekisi, yazisa ubuqhophololo kunye nomngcipheko wesikhundla. KwiPDF, imibuzo luluhlu omalufundelwe ngesandla—awunakuhluza ngokulula ngohlobo, umhla, okanye ubuze kwiingxelo ezininzi.

Amanqaku omngcipheko kunye nezalathi zokufikeleleka

ICompuscan yaziwa ngohlahlelo oluluqilima kunye nesakhono sokufumana amanqaku. Iingxelo zinokubandakanya amanqaku omngcipheko kwiziko kunye nezalathi ezinxulumene nokufikeleleka ezihambelana neemfuno zeNCA kunye nokuxhasa izigqibo ezinoxanduva lokuboleka imali. La manqaku kunye nezalathisi ziluncedo njengomqondiso okhawulezayo kodwa kufuneka ziqondwe kumxholo: inqaku lodwa alibonisi ukuba kutheni umntu enobungozi obuphezulu okanye obuphantsi. Uhlalutyo olufanelekileyo, udinga amacandelo angaphantsi (iiakhawunti, imbali yokuhlawula, izigwebo, imibuzo) ukuze ukwazi ukusebenzisa imithetho yakho yesigqibo kwaye uchaze iziphumo kubaxhasi kunye nabaphicothi-zincwadi. Kwifomu yePDF, amanqaku linani elikwiphepha; awunakuyitreka ekuhambeni kwexesha okanye uyithelekise ngokucwangcisiweyo kuyo yonke incwadi yakho.

Isazisiukuqinisekiswa kunye nokulandelela idatha

Iingxelo zeCompuscan ziquka idatha enxulumene nesazisi esetyenziselwa ukuqinisekiswa: amagama, iinombolo ze-ID, kwaye ngamanye amaxesha iidilesi okanye iinkcukacha zoqhagamshelwano. Oku kuxhasa i-KYC kunye neetshekhi zokulwa nobuqhetseba. Kubasebenzi bekhredithi, ukuthelekisa idatha yesazisi sengxelo kwifayile yakho yomxhasi lulawulo olusisiseko; iiyantlukwano kufuneka ziphandwe. Ukulandelela idatha kunokunceda ekufumaneni abathengi ukuze baqokelelwe okanye banikwe iingcebiso ngetyala. KwiPDF, isazisi kunye nemimandla yomkhondo ixutywe kunye nayo yonke ibali, ngoko ke akukho ndlela icwangcisiweyo yokuzijonga kwisikali.

Yintoni eyahlula iCompuscan kwamanye amaziko oMzantsi Afrika

Amandla eCompuscan ahambelana kakuhle neemfuno zabaqeqeshi bekhredithi abaxhomekeke ngaphezu koluhlu olulula lweakhawunti. Eli ziko libonelela ngocazululo oluluqilima kunye nesakhono sokufumana amanqaku, izixhobo zokuhlola ukufikeleleka ezixhasa izigqibo ezihambelana neNCA, kunye nogutyulo olunzulu kumacandelo okubolekisa ngemali encinci kunye namatyala okuthengisa. Njengelungu loMbutho waseMzantsi Afrika wokuTyala nokuNika iNgxelo yoMngcipheko (i-SACRRA), iCompuscan inegalelo kwaye ixhamle kwisakhelo sokwabelana ngedatha kushishino njengamanye amaziko amakhulu. ICompuscan ikwandise iinkcukacha zayo kunye neenkonzo zohlahlelo kwi-Afrika iphela, nto leyo enokubaluleka kwiifemu ezinophawu lwe-pan-Afrika. Iingxelo ke ngoko zidibanisa amacandelo e-bureau asemgangathweni kunye nohlalutyo oluphuculweyo; idatha ixabisekile, kodwa kwifomu yePDF ayikalungi isigqibo. Ukuze ufumane umbono osecaleni wokuba uthelekisa amaziko oMzantsi Afrika, bona eyethu Uthelekiso lweziko lamatyala eMzantsi Afrika.

Imida yokuSebenza ngeePDF zeCompuscan

IiPDF ziyilelwe ukujongwa nokuprintwa, hayiuhlalutyo okanye ukuzenzekelayo. Olo yilo ludala imida yokwenyani yokusebenza xa uqhuba iCompuscan (okanye nayiphi na i-bureau) iingxelo ngevolumu.

Idatha itshixiwe kwifomati engatshintshiyo. Ingxelo inokubonakala njengetafile, kodwa kwinkqubo yiseti yemigca, iimilo, kunye neebhloko zeteksti. Akukho ntsimi yemveli yebhalansi, umtya wentlawulo, okanye umhla wesigwebo. Ngalo lonke ixesha kufuneka usebenzise olo lwazi, umntu kufuneka alufunde kwaye alutshixe kwakhona, okanye kufuneka kwakhiwe kwaye kugcinwe isahluli sesiqhelo. Oko kuxhomekeka ekutsalweni ngesandla okanye kwi-brittle parsing kuyacothisa ukuhamba komsebenzi kwaye kwandisa amathuba eempazamo.

Ukutolika ngesandla kukhokelela ekungangqinelani. Ngamaninzi okanye amakhulu eengxelo, ephendula ukuba “ngabaphi abathengi abagwetywe kwiinyanga ezili-12 ezidlulileyo?” okanye “lutshintshe njani lonke ulwazi lwalo mxhasi phakathi kwekota yokugqibela kunye nale?” kuthetha ukuvula iPDF nganye kunye nokujonga ngesandla. Akukho ndlela yokuqhuba umbuzo okanye isihluzi. Omnye umhlalutyi unokugxila kumacandelo athile, omnye unokuphoswa ukusilela, kwaye umgaqo ofanayo wesigqibo usetyenziswa ngokwahlukileyo ekusebenzeni.

Akukho ndlela eyakhelwe-ngaphakathi yokuthelekisa kubo bonke abathengi okanye amaxesha. Ukulandelela indlela iprofayile yekhredithi yomthengi eguquka ngayo-iiakhawunti ezintsha, ii-akhawunti ezihlawulwayo, ukuba mandundu okanye ukuphucula indlela yokuziphatha yokuhlawula-kufuneka ugcine kwaye uthelekise idatha yengxelo ngokuhamba kwexesha. NgeePDF, oko kuthetha ukugcina ingxelo nganye njengefayile eyahlukileyo kwaye uzithelekise ngesandla xa zifuneka. Akukho khonkco lwakhiweyo phakathi “kwengxelo kaJanuwari” kunye “nengxelo ngo-Epreli,” ngoko ke uhlalutyo lwentsingiselo kunye neembono zangaphambili/emva kokuba zinomsebenzi onzima kwaye zihlala zingagqitywanga.

Ukuthotyelwa kunye nemingeni yophicotho-zincwadi ikhula ngokomlinganiselo.Xa i-NCR okanye umphicothi-zincwadi wangaphakathi ebuza ukuba isiphakamiso sifikelelwe njani, kufuneka ubhekisele kwidatha echanekileyo kunye nemigaqo esetyenzisiweyo. NgeePDF, oko kuhlala kuthetha ukufumana ifayile elungileyo, ukufunda kwakhona ingxelo, kunye nokwakha kwakhona ingqiqo. Ugcino, uguqulelo, kunye “yeyiphi ingxelo esiyisebenzisileyo kwesi sigqibo?” ibe ngumthwalo omkhulu njengoko umthamo unyuka. Okukhona idata ye-bureau ingcono, kokukhona ikhathaza ngakumbi xa loo datha ingenakusetyenziswa ngokucwangcisiweyo.

I-bottleneck ayifane ibe ngumgangatho wedatha yeCompuscan. Kukuba idatha egqwesileyo inikezelwa ngefomathi engaxhasi uhlalutyo olucwangcisiweyo, uthelekiso, okanye uphicotho. Ukujongana neso sikhewu sefomathi yinto evumela iifemu ukuba zisebenzise idatha yeCompuscan ngokufanelekileyo kwisikali.

Ukuqulunqwa kwedatha yeCompuscan yoHlalutyo

Xa idatha yeCompuscan (okanye enye i-bureau) icwangcisiwe-icazululwe kwiinkalo ezihambelanayo kwaye igcinwe kwinkqubo eqondayo ii-akhawunti, iintambo zokuhlawula, izigwebo, imibuzo, kunye namanqaku-ingxelo efanayo iba luhlobo olwahlukileyo lwe-asethi.

Imiba ephambili inokwahlulwa ngokwefomathi ehambelanayo, ethelekisekayo. Endaweni yokuskrola kwiPDF, ubona isishwankathelo: ukuvezwa ngokupheleleyo, inani leeakhawunti ezisemva, ubukho bezigwebo okanye ukungagqibeki, ubalo lombuzo wamva nje. Oko kukhawulezisa ukuvavanywa kunye nokubekwa phambili ukuze iimeko ezinomngcipheko omkhulu okanye ezinobuzaza bexesha zifumane ingqwalaselo kuqala.

Imigaqo yezigqibo inokusetyenziswa ngokufanayo. Umzekelo: “iflegi ukuba iprofayile yentlawulo ibonisa iinyanga ezintathu nangaphezulu ezilandelelanayo kwi-akhawunti kuyo nayiphi na iakhawunti,” okanye “ungabandakanyi kunikezelo ukuba kukho isigwebo esingahlawulwanga kwiinyanga ezingama-24 ezidlulileyo.” Loo mithetho isebenza ngendlela efanayo kuyo yonke intoumxhasi, ukunciphisa ukungangqinelani kunye nokuthambekela kokutolikwa kwe-ad hoc. Idatha yomthombo ihlala iyeCompuscan; indlela oyisebenzisa ngayo iyaphinda kwaye ikhuseleke.

Idatha yekhredithi inokuba yimbali yohlalutyo lwentsingiselo. Ngokugcina ingxelo nganye itsalwa njengedatha ecwangcisiweyo kwaye uyidibanise nomxhasi kunye nomhla, unokuthelekisa “ngoko” kunye “ngoku”: ibhalansi ehlawulwe phantsi, ukungagqibeki okutsha, ukuphuculwa kokuziphatha kwentlawulo. Oko kuxhasa zombini ulawulo lwetyala (umzekelo, inkqubela-phambili yokucebisa amatyala) kunye nolawulo lomngcipheko (umzekelo, isilumkiso kwangethuba xa iprofayile yomxhasi isonakala).

Iindlela zophicotho-zincwadi kunye nokuthotyelwa komelezwa. Xa i-NCR okanye umphicothi-zincwadi wangaphakathi ebuza ukuba isiluleko sifikelelwe njani, unokukhomba idatha echanekileyo esetyenzisiweyo, imigaqo esetyenzisiweyo, kunye nesitampu sexesha lengxelo-zonke zivela kwinkqubo enye. Ikhonkco phakathi kwedatha ye-bureau kunye nesiphumo sicacile, esinciphisa ingozi yomthetho kunye negama.

Idatha yomthombo ayitshintshi: iseyingxelo yekhredithi yeCompuscan. Yintoni utshintsho kukusetyenziswa. Ukuhamba komsebenzi kuyatshintsha (vula iPDF, funda, chwetheza, unethemba lokuba akukho nto iphosiweyo) ukuya kwi-proactive (inkqubo ibeka iinyani eziphambili, isebenzisa imigaqo yakho, kwaye igcina umkhondo wophicotho ocacileyo). Yiloo ndlela indlela ecwangcisiweyo yedatha yeCompuscan eyijika idatha yeofisi ibe yinzuzo yokwenene kwiingcali zekhredithi zaseMzantsi Afrika.

Ngubani oFuneke Amise iData yeCompuscan

Ulwakhiwo lwedatha yeCompuscan (kunye nezinye iziko) ifanelekile kuyo nayiphi na ifemu esebenzisa iingxelo zetyala ngokuphindaphindiweyo kwaye ifuna ukungaguquguquki, isantya, kunye nokuphicothwa.

Abacebisi kumatyala emboleko baqhubela phambili iingxelo eziphindaphindwayo zovavanyo, uhlenga-hlengiso, kunyeimvume idinga ukuthelekisa idatha kubo bonke abathengi kwaye ekuhambeni kwexesha, bhala indlela iingcebiso ezafikelelwa ngayo, kunye nokusingatha ukukhula kweecaseloads ngaphandle kokukhula ngokulinganayo kumsebenzi wezandla. Idatha eyakhiwe ixhasa yonke loo nto.

Abathengisi bamatyala abafaki-zicelo abafanelekileyo kwaye babafanise nababolekisi kufuneka bafunde umngcipheko kunye nokufikeleleka ngokukhawuleza, ukunqanda ukuphinda kufakwe izitshixo kwiiPDF, kwaye babonise inkqubo engaguqukiyo, yobuchwephesha. Idatha yengxelo ecwangcisiweyo ingena ngqo kulo msebenzi.

Ababolekisi abancinci kunye nabanikezeli bekhredithi abathengisa kakhulu abaxhomekeke kakhulu kumandla eCompuscan kuloo macandelo kufuneka basebenzise imigaqo yomgaqo-nkqubo ngokungaguqukiyo, balandele umngcipheko wepotfoliyo, kwaye banelise iimfuno zophicotho lwangaphakathi kunye nolawulo. Xa idatha ye-bureau icwangcisiwe, ingqiqo yesigqibo ingasetyenziswa ngokufanayo kwaye icaciswe ngokucacileyo.

** Ababoneleli ngetyala ** ngokubanzi-iibhanki, abathengisi, okanye ababolekisi beengcali-amaqela abo afuna ukuhambelana kubavavanyi kunye nexesha lonke bazuze kwimbono enye yedatha ye-bureau, kunye nemithetho kunye nembali kwindawo enye.

Ngamafutshane: nayiphi na ifemu eqhuba idatha yekhredithi ephindaphindiweyo ngevolumu, nokuba isuka kwiCompuscan yodwa okanye isuka kwiCompuscan ecaleni kweTransUnion, Experian, Datanamix, okanye abanye, iya kubetha imida yePDF-based workflows. Abo baqulunqa idatha banokuyihlalutya ngokufanelekileyo, balinganise ngaphandle kwe-proportional overhead, kwaye bagcine izigqibo zikhuselekile kwaye zithobela.

Amanyathelo Alandelayo

Iingxelo zamatyala eCompuscan ligalelo elingundoqo kuninzi lweengcali zekhredithi zaseMzantsi Afrika. Ukuzisebenzisa ngokufanelekileyo kuthetha ukuhamba ngaphaya kweePDF ezingatshintshiyo kunye nokuguqula idatha ye-bureau ibe yingcaciso ecwangcisiweyo, enokuthelekiseka, kunye nenokuphicothwa.Dibana no ukubhukisha idemo kwaye ubone ukuba indlela yedatha ecwangcisiweyo isebenza njani ekusebenzeni: indlela izikhombisi eziphambili ezivezwa ngayo kwiingxelo zeCompuscan (kunye nezinye i-bureau), imithetho yezigqibo isetyenziswa njani ngokuqhubekayo, kunye nendlela iqela lakho elinokuthi lihlalutye ngayo iingxelo zekhredithi ngokufanelekileyo-ngaphandle kwe-bottleneck ngesandla.