Ungayikhetha njani iSoftware yoVavanyo lweTyala eMzantsi Afrika

Ukukhetha isoftware yovavanyo lwetyala eMzantsi Afrika sisigqibo esibalulekileyo. Imakethi ibonelela ngabasebenzi abahlukeneyo - ababolekisi-mali abancinci, iibhanki, abarhwebi bamatyala, kunye nabacebisi ngamatyala - nganye inomsebenzi ohlukeneyo kodwa iimfuno ezidlulayo. Ukhetho oluchanekileyo luxhomekeke ekuqondeni okona kubaluleke kakhulu kwindlela osebenza ngayo: ukudityaniswa kweofisi, iimpawu zokuthotyelwa, ukuhamba komsebenzi, okanye ukuqina. Isixhobo esifanelana nombolekisi okwizinga eliphezulu sinokuba sigqithise kwisenzo sokucebisa ngetyala elincinci; imveliso egxile kumthengisi isenokungabi nobunzulu bophicotho olufunwa ngumbolekisi olawulayo. Esi sikhokelo sihamba ngento omawuyivavanye kwaye kutheni, kwaye sikukhomba kumanqaku ajongene nendima ethile ukuze ungene nzulu xa sele ucuthe imeko yakho yosetyenziso.

Kutheni iiNgcali zeTyala zihamba ngaphaya kweeNkqubo zeManuwali

Kulo lonke ishishini, iinkqubo zezandla ziphantsi koxinzelelo. Umthamo wezicelo uyenyuka, iNational Credit Regulator (NCR) inyanzelisa UMthetho wamaTyala weSizwe ngokusondeleyo, kwaye abathengi balindele iziphumo ezikhawulezayo. Iingxelo zetyala le-PDF kunye ne-spreadsheets azizange zenzelwe umthamo ophezulu, uphicotho-lulungele ukuhamba komsebenzi. Banyanzela abasebenzi ukuba bangene kwiiphothali zeofisi ezininzi, batolike idatha engacwangciswanga ngesandla, kwaye bagcine iirekhodi ngeendlela ezenza kube nzima ukulandeleka. Isiphumo sizigqibo ezicothayo, iimvavanyo ezingahambelaniyo, kunye nomngcipheko wokuthotyelwa.

Ababoneleli ngetyala baziva bexinezelekile xa amagosa emali-mboleko echitha iiyure etshintsha phakathi kweendawo zamaziko kwaye ephinda efaka amanani kwiitemplates. Abarhwebi baphulukana nezivumelwano xa i-pre-qualification isenzeka emva kwexesha kakhulu kwinkqubo. Abacebisi bamatyala bayasokola ukugcina iifayile zetyala kunye namaxwebhu e-NCR ukuzeimithwalo yamatyala iyakhula. Kwimeko nganye, i-bottleneck iyafana: idatha efika kwifom yoxwebhu kunokuba icwangciswe, ulwazi oluthelekisekayo. Ingaba ungumnikezeli wekhredithi, umthengisi, okanye umcebisi wamatyala, utshintsho olubhekiselele kwidatha ehleliweyo kunye nezixhobo ezakhelwe injongo ziqhutywa yinyani efanayo - umthamo omkhulu, ummiselo ongqongqo, kunye nesidingo sokubonisa indlela izigqibo ezenziwe ngayo.

Yintoni ekufuneka yenziwe yiSoftware yoVavanyo lwetyala

Izakhono ezingundoqo zibalulekile nokuba yintoni indima yakho. Ezi zilandelayo ziimpawu ezisisiseko omele uzilindele kuso nasiphi na isisombululo esinzulu sovavanyo lwetyala.

Ukudityaniswa kwe-Bureau. I-software kufuneka iqhagamshelane neziko lamatyala laseMzantsi Afrika - i-Experian, i-Datanamix, i-TransUnion, i-XDS, i-Compuscan - ukuze iingxelo zicelwe kwaye zithathwe ngaphakathi kweqonga. Inkxaso ye-Bureau Multiple ikuvumela ukuba uthelekise idatha okanye uhlangabezane neemfuno zombolekisi kunye nolawulo oluchaza ukuba yeyiphi i-bureaux ekufuneka isetyenziswe. Ngaphandle kokudityaniswa ngokuthe ngqo, usatsala ngesandla iingxelo kwii-bureau portals kwaye uzilayishe; loo nto ayisusi umqobo. Khangela ukuba umthengisi uyayixhasa yonke i-bureau oyisebenzisayo namhlanje okanye uceba ukuyisebenzisa, kwaye uqhagamshelo olutsha lweofisi lunokongezwa ngaphandle kotshintsho olupheleleyo lwenkqubo.

Idatha yengxelo ecwangcisiweyo. Imveliso ye-Raw bureau yenzelwe ukufundwa kwabantu. Iipaseji ezilungileyo zesoftware kunye nezakhiwo zedatha ukwenzela ukuba ii-akhawunti, ukuziphatha kwentlawulo, ibhalansi, ulwazi olubi, kunye nemilinganiselo engundoqo ifumaneke njengemihlaba engaguqukiyo, ekhangelekayo. Eso sakhiwo sisiseko se- indlela ofunda kunye nokusebenzisa ngayo iingxelo zekhredithi ngendlela ephindaphindwayo - imbono efanayo kumfaki-sicelo ngamnye okanye umxhasi,nokuba leliphi na iziko elinike ingxelo. Ukungqinelana apha yinto eyenza uthelekiso kunye novavanyo olusekelwe kumgaqo lwenzeke.

Ukufikeleleka kunye novavanyo lomngcipheko. Isixhobo kufuneka sixhase izibalo zokufikeleleka kunye nezalathi zomngcipheko ezihambelana Iimfuno zokufikeleleka kweNCA kunye nepolisi yakho. Imilinganiselo yetyala-kwingeniso, imilinganiselo yesavenge ukuya kwingeniso, kunye neemetriki ezifanayo kufuneka zibalwe kwaye ziboniswe ngendlela esemgangathweni ukwenzela ukuba abavavanyi bavavanye wonke umntu ngokuchasene nemilinganiselo efanayo. Apho umgaqo-nkqubo wakho usebenzisa imigaqo yesiko okanye amakhadi amanqaku, isofthiwe kufuneka ikuvumele ukuba uyiqwalasele kunokuba unyanzelise imodeli yobukhulu obunye.

Iindlela zophicotho. Yonke into eyenziwayo - utsalo lwengxelo, inyathelo lovavanyo, isigqibo - kufuneka sifakwe isitampu sexesha kwaye siyalelwe. Iindlela zophicotho-zincwadi zovavanyo lwamatyala zibalulekile kwimibuzo yomlawuli, uphononongo lwangaphakathi, kunye nokukhusela izigqibo. Isoftware engarekhodayo ukuba ngubani owenze ntoni kwaye xa ekushiya eveziwe. Cela isampulu yophicotho-zincwadi okanye ukuthumela ngaphandle ukuze ubone ukuba yintoni kanye efakiweyo kwaye ingaba iya kulonelisa na iqela lakho lokuthobela okanye i-NCR.

Ukufikelela okusekwe kwindima. Ulwazi lwekhredithi olubuthathaka kufuneka luphelele kubasebenzisi abagunyazisiweyo. Inkqubo kufuneka inyanzelise iimvume ukwenzela ukuba kuphela abasebenzi abafanelekileyo banokutsala iingxelo, bajonge idatha epheleleyo, okanye batshintshe ubumbeko. Oko kuxhasa ulawulo lwedatha kunye nokuphathwa okuhambelana nePOPIA kolwazi lomntu. Xa iindima zitshintsha okanye ikhefu labasebenzi, kufuneka ukwazi ukurhoxisa okanye uhlengahlengise ukufikelela ngaphandle kokuphinda uyilwe inkqubo.

Ukugcinwa kunye nokubuyiswa. Iingxelo kunye nezigqibo kufuneka zigcinwe kwindawo enye kwaye zihlaziywe ngesicelo okanye umxhasi. Xa i-NCRokanye umphicothi-zincwadi ucela ubungqina, kufuneka uvelise ingxelo echanekileyo kunye nerekhodi yesigqibo ngaphandle kokukhangela ngee-imeyile okanye iidrive ezabelwana ngazo. Uvimba omnye ukwaxhasa uhlalutyo lwentsingiselo, uqinisekiso lomgangatho, kunye nonikezelo olungaguqukiyo xa abasebenzi betshintsha okanye iimeko zabelwa ngokutsha.

Ukuvavanya iSoftware ngokuSebenzisa Imeko

Izinto zakho eziphambili zixhomekeke ekubeni ungumniki-nkonzo yeentengo zemboleko, umthengisi, okanye umcebisi wamatyala. Zontathu zifuna ukudityaniswa kweziko eliqinileyo kunye neziseko zokuthotyelwa; ngaphaya koko, ugxininiso luyatshintsha. Sebenzisa oku kulandelayo ukucutha into omawuyijonge kwaye ngawaphi amanqaku emveliso ekufuneka uwafundele indima yakho.

KuBaboneleli ngetyala kunye nabaBoni-mali abancinci

Ababoneleli ngetyala kunye nababolekisi abancinci badinga isoftware exhasa izigqibo zokuboleka isikali. Izinto eziphambili zibandakanya imigaqo yokubolekisa ngemali elungiselelwayo, ukubalwa kokufikeleleka okuhambelana neNCA, kunye nokudityaniswa nemvelaphi yemali-mboleko okanye iinkqubo zebhanki ezingundoqo. Udinga uvavanyo olucwangcisiweyo lwe- Iimfuno zokufikeleleka kweNCA kunye nolungelelaniso-ulungele iindlela zophicotho. Isixhobo esifanelekileyo sikuvumela ukuba uchaze iikhrayitheriya kube kanye, uzisebenzise ngokungaguquguqukiyo, kwaye ubhale phantsi zonke izigqibo ngendlela emele ukuphononongwa. Abavavanyi kufuneka babone umbono ofanayo wedatha ye-bureau kunye nemithetho efanayo esetyenziswa kwisicelo ngasinye, ukunciphisa ukuhluka kunye nokuxhasa iziphumo ezifanelekileyo, ezikhuselekayo. Ukujonga nzulu ukuba yeyiphi isoftware yomboneleli wetyala emayizise, jonga isikhokelo sethu ku- Isoftware yomniki-nkonzo yeentengo zemboleko eMzantsi Afrika kunye isoftware yovavanyo lwamatyala amancinci.

Yabathengi betyala

Abarhwebi bahlala ngesantya kunye nombhobho. Eyona nto ibaluleke kakhulu kukuba ungakhawuleza kangakanani ukufaneleka abafaki zicelo, uthelekise idatha kuwo wonke ama-ofisi, thelekisa abathengi nababolekisi, kwaye ulawule i-data yakho.umbhobho. I-Software eyenza i-data ye-bureau kwaye isebenzise imithetho ye-pre-qualification inceda ukuba ugxininise kubafaki-zicelo abanethuba lokwenene lokuvunywa kwaye uphephe ixesha lokutyala imali kwiimeko ezinokuthi zingaphumeleli kumbolekisi. Ukuthelekiswa kwee-Multi-bureau kwindawo enye yokusebenzela kunciphisa umxholo-ukutshintsha kunye nokukhawulezisa ukulinganisa. Ukukwazi ukuhluza okanye ukukala abafaki-zicelo ngezalathi eziphambili (umzekelo, akukho zimpazamo zakutsha nje, ukusetyenziswa ngaphakathi koluhlu) kuguqula ingxelo ibe sisixhobo sokwenza isigqibo kunoxwebhu lokufunda ukusuka ekuqaleni ixesha ngalinye. Ukuze ufumane imbono egqalileyo yeemfuno ezingqale kumthengisi, bona isoftware yomthengisi wamatyala eMzantsi Afrika.

KuBacebisi kwezamaTyala

Iifemu zokucebisa amatyala zifuna ulawulo lwetyala, inkxaso yesixokelelwano samaxwebhu (iFomu 16, 17.1, 17.2, 17.3), kunye novavanyo lokutshona kakhulu ematyaleni olunxibelelana nedatha yetyala ecwangcisiweyo. Ukulungela uphicotho-zincwadi lwe-NCR kubalulekile: isistim kufuneka inxulumanise ingcebiso nganye nengxelo esisiseko kunye nezibalo, izitampu zexesha ezicacileyo kunye nengcaciso yabasebenzisi. I-Software ephatha iingxelo zekhredithi kunye nezigqibo zetyala njengezinto zodidi lokuqala - kungekhona njengezihlomelo kwi-CRM eqhelekileyo - ixhasa indlela yokusebenza kunye neengcebiso ezinokukhuseleka. Xa i-NCR okanye umxhasi ebuza ingcebiso, kufuneka ubonise ukuba yeyiphi idatha esetyenzisiweyo kunye nendlela ekufikelelwe ngayo kwisigqibo; injongo-eyakhelwe ityala isoftware iingcebiso yenzelwe ukuba ikhonkco lobungqina. Ngolwazi oluthe kratya malunga nokuba ungajonga ntoni kwesi sithuba, bona isoftware yeengcebiso zamatyala kwiifemu zaseMzantsi Afrika.

Imibuzo ephambili omawuyibuze phambi kokuba uthenge

Ngaphambi kokuba uzibophelele, jonga uluhlu lokukhangela olusebenzayo. Iimpendulo ziya kukunceda uqhathanise abathengisi kwiikhrayitheriya ezifanayo kwaye ugweme ukufumana izikhewu emva kokuba usayine.

-Yeyiphi iofisi exhasayo? Qinisekisa i-Experian, Datanamix, TransUnion, kunye nazo naziphi na ezinye ozisebenzisayo okanye oceba ukuzisebenzisa. Buza ukuba ingaba idatha yenziwe yesiqhelo ibe yimbonakalo enye okanye ishiywe kwiifomathi ezikhethekileyo.

Ngaba ndingamisela eyam imigaqo yovavanyo? Iikhrayitheriya zokubolekisa ngemali, imigangatho yokufikeleleka, kunye nemithetho yangaphambi kwesiqinisekiso kufuneka iqwalaselwe ukuze ihambelane nepolisi yakho, ingabi nekhowudi.
Ingaba ivelisa iirekhodi esele zilungile? Buza ukuba ingxelo itsalwa njani, uvavanyo, kunye nezigqibo zifakwa njani. Ngaba ungabonisa ukuba ngubani owenze ntoni, nini, kwaye ngeyiphi idatha?
Iluphatha njani ufikelelo olusekwe kwindima? Qonda ukuba iimvume zisetwa njani (ngendima, ngumsebenzisi, okanye zombini) nokuba ziyahambelana na nendlela iqela lakho elisebenza ngayo.
Ngaba inokudityaniswa neenkqubo zam ezikhoyo? Ukuba usebenzisa iCRM, iqonga lokuvela kwemali mboleko, okanye inkqubo yolawulo lwetyala, buza malunga neeAPI, ukuthunyelwa ngaphandle, okanye ukudibanisa ukuze idatha kunye nezigqibo zihambe apho sele usebenza khona. Ukukhwela kunye nokudibanisa iingqwalasela zibalulekile ekukhutshweni kwayo.
Ijongeka njani i-onboarding? Cacisa ixesha lokuphunyezwa, uqeqesho, ufuduko lwedatha (ukuba lukhona), kunye nenkxaso eqhubekayo. Umqhubi wenqwelomoya omfutshane onedatha yokwenyani uhlala ebonisa ukuba kufanelekile kunedemo yodwa.
Ikhuseleka njani idatha (POPIA)? Qinisekisa apho idatha igcinwe khona, indlela yokufikelela kulawulwa ngayo, kwaye zeziphi izibophelelo azenzayo umthengisi malunga nokugcinwa kunye nokusetyenzwa kolwazi lomntu.

Yintoni omawuyilumkele

Imigibe eqhelekileyo inokujongela phantsi ukhetho oluthembisayo. Ukuzazi kubo kukunceda ukuba ubuze imibuzo efanelekileyo kwaye uthelekise iinketho kwinqanaba lokudlala.

Ukukhetha iCRM eqhelekileyo okanye iERP ngaphezu kwenjongo eyakhelweyoizixhobo. Iisistim zenjongo ngokubanzi zilungile kunxibelelwano kunye nemisebenzi; azifane zakhelwe kubunjwe idatha kwiziko, zinyanzelise ingqiqo yovavanyo, okanye ukuvelisa iirekhodi ezilungele ukuphicothwa. Unokugqibela ngokuvala iindlela zokusebenza ezingazange zijongane ngokupheleleyo nokuthotyelwa okanye ukungaguquguquki.

Ukubeka phambili i-UI kunomgangatho wedatha. Ujongano olugudisiweyo luluncedo kuphela ukuba idatha esisiseko ichanekile kwaye yakhiwe. Qinisekisa ukuba isoftware iyacazulula ngokuchanekileyo kwaye iqhelekile imveliso yeofisi; kungenjalo uthatha izigqibo ngolwazi olungaphelelanga okanye olungangqinelaniyo.

Ukungahoyi iimpawu zokuthotyelwa. Iindlela zophicotho-zincwadi, ukufikelela okusekwe kwindima, kunye namaxwebhu ezigqibo azikhethelwanga kumsebenzi wetyala olawulwayo. Isixhobo esingabaxhasi siya kudala ityala lobugcisa kunye nomngcipheko njengoko ukhula. Nokuba umthamo wakho wangoku uziva ulawuleka ngaphandle kokuphicothwa ngokupheleleyo, i-NCR kunye nabaphicothi-zincwadi bangaphakathi baya kuyilindela xa bephonononga iifayile zakho.

Ukukhetha ngexabiso lodwa. Eyona ndlela inexabiso eliphantsi idla ngokutshintsha iindleko zibe ziindlela zokusetyenzwa ngezandla, ukutsalwa kwakhona, kunye nokulungiselela uphicotho. Qwalasela iindleko zizonke: ixesha eligciniweyo, ukungaguquguquki okufunyenweyo, kunye nomngcipheko oncitshisiweyo. Umrhumo ophezulu kancinane welayisensi ophelisa ukusebenza ngokutsha kunye nokukhawulezisa izigqibo unokuzihlawulela ngokukhawuleza; umrhumo ophantsi okushiya nomthwalo ofanayo wezandla awukwenzi.

Umthengisi utshixelwe ngaphakathi. Qonda ukuba uyikhupha njani idatha yakho, ingaba uvavanyo kunye neengxelo zinokuthunyelwa ngaphandle ngefomathi esebenzisekayo, kwaye kwenzeka ntoni xa utshintsha umthengisi kamva. Iikhontrakthi ezenza kube nzima okanye kubize kakhulu ukufumana kwakhona idatha yakho kudala umngcipheko wexesha elide. Khetha abathengisi abaxhasa iifomathi ezisemgangathweni zokuthumela ngaphandle kunye nedatha ecacileyoukuphatheka.

Ukwenza iSigqibo

Sebenzisa isakhelo sovavanyo esilula: thelekisa isoftware ekuhambeni kwakho komsebenzi, beka phambili ukuhlanganiswa kweofisi kunye nokuthotyelwa, kwaye uvavanye ngedatha yokwenyani ngexesha lovavanyo. Xa uthelekisa iinketho, khangela abathengisi abaphatha udibaniso lweofisi, iindlela zokuphicothwa kweencwadi, kunye nokuhamba komsebenzi njengeenjongo zoyilo olungundoqo; I-EvalFin ngumzekelo omnye owakhelwe ngokukodwa iingcali zamatyala zaseMzantsi Afrika. Qinisekisa ukuba umthengisi angakuxhasa i-bureaux yakho, imithetho yakho, kunye nemfuno yakho ye- iindlela zophicotho kunye ne-Iinkqubo ezihambelana neNCA. Cwangcisa ukukhwela ukuze iqela lakho liqeqeshwe kwaye amanqaku akho okudibanisa acace. Qhuba i-pilot kunye nesampuli yezicelo zangempela okanye iimeko ukuba umthengisi uyakuvumela; oko kuyakuthi kuvele izikhewu kwi-ofisi yokhuselo, ulungelelwaniso lwemithetho, okanye ukunika ingxelo iidemos ezinokuphoswa. Injongo sisixhobo esinciphisa umsebenzi wezandla, siphucula ukungaguquguquki, kwaye sigcine isilawuli sakho sokusebenza silungile - nokuba ungumniki-mboleko, umrhwebi, okanye umcebisi wamatyala. Ukuthatha ixesha lokuvavanya ngokufanelekileyo kuyahlawula xa inkqubo ixhasa iqela lakho kunye nezibophelelo zakho zokuthobela ukusuka kusuku lokuqala.

Jonga iSoftware yoVavanyo lweTyala eSebenzayo

I-EvalFin yenzelwe iingcali zetyala zaseMzantsi Afrika. Jonga ukuba idatha ye-bureau ecwangcisiweyo, uvavanyo oluzenzekelayo, kunye neerekhodi ezilungele uphicotho-zincwadi zixhasa njani izigqibo ezikrelekrele - nokuba ungumniki-mboleko, umrhwebi, okanye umcebisi wamatyala. Dibana no ukuyibona isebenza kwaye uxoxe ukuba ingena njani nomsebenzi wakho.