Credit Broker Software yaseMzantsi Afrika | Izigqibo zeMali-mboleko eziKhawulezayo
Isoftware yomthengisi wetyala eMzantsi Afrika. Hlalutya iingxelo zetyala ngokukhawuleza, ukufaneleka kwabafaki-zicelo, kwaye uphucule imilinganiselo yokuvunywa kwemali-mboleko.
Abathengisi bamatyala basebenza kwindawo ephezulu, enoxinzelelo oluphezulu. Zonke izicelo zemboleko zifuna uvavanyo olukhawulezayo, oluchanekileyo - ukanti uninzi lwedatha yetyala isafika njengeengxelo zePDF ezingatshintshiyo, zicothisa ukwenza izigqibo kunye nokunyusa amazinga okwaliwa. Isantya kunye nokucaca ngoku ziinzuzo zokukhuphisana.
Abarhwebi abanokuvavanya abafaki-zicelo ngokukhawuleza, bafanelekele ukuba bafanelekele ngokuchasene nemigaqo yababolekisi, kwaye bagxininise kumbhobho wabo kumatyala afanelekileyo bavale amaxabiso amaninzi. Abo bachitha iiyure befunda iingxelo ezingacwangciswanga kunye nokusukela izicelo ezingazange zifaneleke balahlekelwa lixesha kunye nomda. Eli phepha licacisa ukuba isoftware yeentengo zemboleko eyenzelwe uMzantsi Afrika ijongana njani nomqobo wokwenyani kwizicelo zemboleko kwaye ijike idatha yeofisi ibe zizixhobo zokwenza izigqibo endaweni yamaphepha.
Ingxaki yokwenyani kwizicelo zeMali-mboleko
Isithintelo sokuhamba komsebenzi we-broker kunqabile ukufikelela kwidatha. Abarhwebi baseMzantsi Afrika banokutsala iingxelo kwi-Experian, TransUnion, kunye neDatanamix. Umqobo yinto eyenzekayo emva kokutsalwa: ukufunda ngesandla, ukutolika, kunye nokuthelekisa kubo bonke abafake izicelo.
Xa ingxelo yekhredithi nganye iyiPDF okanye uxwebhu olushicilelweyo, uvavanyo ngalunye luba yinto nje enye. Umrhwebi kufuneka avule ifayile, akhangele imbali yentlawulo, izigwebo, ukusilela, kunye nokusetyenziswa, emva koko azilinganise ngengqondo ezi ngokuchasene nomdla wombolekisi - kwaye ayenze kwakhona kumfaki-sicelo olandelayo. Le nkqubo yencwadana itshisa ixesha kwaye yazisa ukungahambelani. Umthengisi omnye unokujolisa kwindlela yokuziphatha yamva nje; omnye unokulinganisa ukungagqibeki kwembali kakhulu. Umfaki-sicelo omnye unokuphathwa ngokwahlukileyo kuxhomekeke ekubeni ngubani ophonononga ifayile.Ixesha elichithwe kwizicelo ezibuthathaka lidibanisa ingxaki. Ngaphandle kwembono ecwangcisiweyo yedatha yekhredithi, kunzima ukuhluza abafaki-zicelo abangafanelekanga kwangethuba. Abarhwebi bahlala betyala imali kwizicelo ezigcweleyo, ukufowunelwa kokulandelela, kunye nokuqokelela amaxwebhu kuphela ukufumanisa ukuba umxhasi akazange adibane nekhredithi esisiseko okanye iindlela zokufikeleleka. Loo nzame yayinokujoliswa kubafaki-zicelo abanethuba lokwenene lokuvunywa.
Ukwaliwa kade kukwamosha iinzame zokuthengisa kwaye konakalise ubudlelwane nabaxumi. Abafaki-zicelo abakhatywayo emva kwenkqubo ende baziva belahlekisiwe; abathengisi balahlekelwa kukuthembana kunye nokuthunyelwa. Umba awukho ukuba idatha yekhredithi ayikho - kukuba idatha ayisetyenziselwa ukufaneleka kunye nokubeka phambili phambili. Ukulungiswa kufuna ukuguqula iingxelo zibe ngamagalelo alungelelanisiweyo, athelekisekayo ukuze kuthathwe izigqibo kunokuba amaxwebhu afundwe nganye nganye.
Kutheni iiCRM zingazisombululi iziGqibo zeTyala
Iibrokerage ezininzi zixhomekeke kwiCRM ukulawula abathengi kunye nezicelo. Ii-CRM ziyagqwesa kulawulo lwabafowunelwa, ukulandelela umsebenzi, kunye nokugcinwa kwamaxwebhu. Azenzelwanga ukuqhuba izigqibo zetyala okanye zomngcipheko.
IiCRM zakhelwe ubudlelwane kunye nezigaba zemibhobho, hayi ukuhlalutya idatha ye-bureau. Bagcina iinkcukacha zoqhagamshelwano, amanqaku, kunye neefayile ezilayishiwe. Basenokukukhumbuza ukuba ulandele okanye uhambise isivumelwano kwi “salindile.” Abayicazululi ingxelo yetyala, bakhuphe izalathisi eziphambili, okanye basebenzise imithetho efana ne “iflegi ukuba isigwebo kwiinyanga ezingama-24 ezidlulileyo” okanye “ukungabandakanyi ukuba ityala-kwingeniso lingaphezulu kwe-X.” Ke umthengisi kusafuneka avule ingxelo nganye, ayifunde, aze achwetheze isishwankathelo okanye isigqibo kwiCRM. I-CRM iba yikhabhinethi yokufayilisha, hayi ainjini yesigqibo.
Ngenxa yokuba ii-CRM azenzeki idatha yekhredithi, azikwazi ukuxhasa uthelekiso olungaguqukiyo. Awunakuhluza “bonke abafake izicelo ngaphandle kokungagqibekanga kwiinyanga ezili-12” okanye “bonke abafake izicelo abasebenzisa phantsi kwe-50%” - ulwazi lutshixiwe ngaphakathi kweePDF kunye namanqaku asimahla. Loo nto yenza kube nzima ukubeka phambili awona mathemba angcono okanye ukuphonononga ukuba kutheni izicelo ezithile zaliwe. Ingqiqo yesigqibo ihlala ezintloko zabantu, hayi kwinkqubo.
Isigqibo sekhredithi sifuna uhlalutyo: ukuqonda iziphumo ze-bureau, ukusebenzisa imithetho yangaphakathi okanye ethe ngqo yombolekisi, kunye nokuthelekisa abafaki-zicelo kwinqanaba lokudlala. Lowo ngumsebenzi wesoftware egxile kwityala. I-CRM ihlala iluncedo kumntu omawuqhagamshelwe kwaye nini; ayithathi indawo yesixhobo esiguqula iingxelo zetyala zibe ngamagalelo acacileyo, anokuthathelwa amanyathelo ukuze kuthathwe izigqibo zemali-mboleko.
Ukuguqula iiNgxelo zeTyala zibe ziZixhobo zeSigqibo
Ukutshintsha ukusuka “kwiingxelo zokufunda” ukuya “kukusebenza kwidatha” kwenzeka xa ulwazi lwekhredithi lucwangcisiwe kwaye lubekwe kwindawo enye. Isoftware ye-Broker eyakhelwe le njongo yenza izinto ezintathu: iqulunqa idatha ye-bureau ngokuzenzekelayo, ibeka izalathisi eziphambili ngokukrwaquza, kwaye ikuvumela ukuba usebenzise imithetho yangaphambi kwesiqinisekiso ukuze ukwazi ukuthelekisa abafaki-zicelo rhoqo.
Okokuqala, idatha ecwangcisiweyo ithetha iindawo eziphambili - isimo se-akhawunti, imbali yokuhlawula, izigwebo, ukungagqibeki, ukusetyenziswa, kunye namanqanaba amatyala - akhutshwe kwiingxelo kwaye agcinwe kwifomathi efanayo. Akusekho ukuphequlula amaphepha ePDF ukufumana ulwazi olufanayo kuye wonke umfaki-sicelo. Ubona umbono osemgangathweni osebenza ngokufanayo nokuba umthombo wawuyi-Experian, Datanamix, okanye TransUnion. Oko kuhambelanasisiseko sesantya nobulungisa.
Okwesibini, umbono omnye wezona zibonakaliso zibalulekileyo zikhawuleza i-triage. Endaweni yokusabela kuyo nayiphi na into ebambe iliso lakho kwingxelo ende, ubona umngcipheko oshwankathelweyo kunye neempawu zokufikeleleka. Unokukhangela ngokukhawuleza abafaki zicelo abahlangabezana nemilinganiselo yakho okanye ababolekisi bakho kunye nabo bangenayo. Imigaqo yokufaneleka - umzekelo, “akukho zigwebo ezisebenzayo” okanye “inqanaba elincinci lamanqaku” - linokusetyenziswa kwisixhobo ukuze izicelo ezibuthathaka zifakwe iflegi okanye zihlulwe phambi kokuba kuqhutywe ngokupheleleyo.
Okwesithathu, ukuthelekisana kuphucula izigqibo. Xa wonke umfaki-sicelo evavanywa ngokusebenzisa isakhiwo kunye nemithetho efanayo, unciphisa ukuthambekela kunye nokuhluka. Unokujolisa umzamo wokuthengisa kumatyala anethuba lokwenyani lokuvunywa kwaye unike abafaki-zicelo ngokukhawuleza, impendulo ecacileyo. Endaweni yokusabela kwiingxelo emva kwenyani, abarhwebi basebenza kuzo: ukusebenzisa idatha ukufaneleka, ukubeka phambili, kunye nokuguqula.
Ukudibanisa ii-ofisi ezininzi kwindawo enye kuthintela ukruthakruthwano lokungena kwiiphothali ezahlukeneyo kunye nokulungelelaniswa koyilo lweengxelo ezahlukeneyo. Xa i-Experian, i-Datanamix, kunye nedatha yeTransUnion iqhelekile ibe yindawo enye yokusebenza, abadayisi bachitha ixesha elincinci lokutshintsha iimeko kunye nexesha elingakumbi kuvavanyo kunye nokunxibelelana nabaxhasi. Isiphumo kukuhamba komsebenzi apho ingxelo inikezela ngesigqibo endaweni yenye indlela.
Impembelelo yoShishino kubarhwebi
Impembelelo ebonakalayo yale ndlela ibonakala ngexesha eligciniweyo, amazinga okuvunywa, kunye nokuguqulwa.
Ixesha elincinane kwisicelo ngasinye. Xa idatha yekhredithi icwangcisiwe kwaye ishwankathelwa, uvavanyo luyatshintsha ukusuka “kukufunda ingxelo yonke” ukuya “kuphononongaisishwankathelo kunye neeflegi eziphambili. ” Abarhwebi bachitha imizuzu embalwa kwifayile nganye kwaye banokusingatha izicelo ezininzi kunye neqela elifanayo. Oko kubalulekile xa umthamo uphezulu kwaye imida iqinile.
Amazinga angcono okuvunywa kwemboleko-mali. Abafaki-zicelo abasele befanelekele ukufaneleka ngokuchasene neenqobo zombolekisi kunye nemithetho yangaphakathi ithetha ukuba izicelo ezimbalwa ezingeniswayo kubathengi abangazange bafaneleke. Usetyenziso oludlulayo lomelele ngokomndilili, ngoko ke amazinga okwamkelwa ayaphucuka. Ababolekisi babona ukungeniswa komgangatho ongcono; abarhwebi bazakhela udumo ngokuthumela ishishini elisebenzayo.
Gxininisa kubafaki-zicelo abafanelekileyo. Iinzame zombhobho zinyuka zinyuka. Ixesha kunye nokulandelwa kujoliswe kubafaki-zicelo abahlangabezana nekhredithi kunye nokufikeleleka, kunokuba kuthathwe ixesha elide elingaphumeleli kumqobo wokugqibela. Umthamo wentengiso usetyenziswa apho unembuyekezo engcono.
Uguqulo oluphezulu xa lulonke. Uvavanyo olukhawulezayo, uvavanyo olungaguquguqukiyo, kunye nesiqinisekiso sangaphambili kuthetha ukuba uninzi lwenkqubela phambili yezivumelwano ezichanekileyo kwaye ezimbalwa ziyawa ngenxa yokulibaziseka okanye ukungangqinelani. Izigqibo ezingcono zithetha ukuba kukho izivumelwano ezivaliweyo.
Kwiibrokers ezilinganisa ukusebenza ngezicelo ezisetyenzisiweyo, iireyithi zokuvunywa, okanye ingeniso ngomthengisi ngamnye, indibaniselwano yedatha ecwangcisiweyo kunye nemithetho yangaphambili yesiqinisekiso idala ukunyuka okunokulinganiswa. Iinzuzo ezichanekileyo zixhomekeke kwinkqubo yangoku kunye nomthamo, kodwa isalathiso sihambelana: ukufundwa okuncinci kwencwadi, izicelo ezimbalwa eziphelileyo, kunye nomthamo omkhulu wamatyala aguqulayo.
Ngubani le software
Isoftware yomthengisi wetyala eyenzelwe izigqibo zemboleko ekhawulezayo ifanelekile kumaqela akhathalele uguqulo olusebenzayo kunyeuvavanyo lwetyala olungagungqiyo.
Abathengisi bamatyala abazimeleyo abaphatha yonke into ukusuka kunxibelelwano lokuqala ukuya ekungeniseni inzuzo ekubeni nendawo enye yokutsala idatha ye-bureau, amanqaku okanye ukuvavanya abafaki-zicelo, kunye nokulandelela amatyala. Uhlalutyo lwetyala olucwangcisiweyo lunciphisa umva-kunye-phambili wokufundwa kwengxelo ngesandla kwaye kubanceda bangenise izicelo ezisebenzayo kuphela.
Iifemu ezifumana imali-mboleko ezijongana nezicelo egameni lababolekisi-mali okanye abasasazi zifuna uvavanyo olusemgangathweni kunye neendlela ezicacileyo zophicotho. Isoftware eyakha idatha yetyala kwaye isebenzise imithetho ixhasa isantya kunye nokuthotyelwa, ngoko imvelaphi ihlala ikhula njengoko umthamo ukhula.
**Ii-brokerages zisebenza ngemithamo ephezulu yezicelo ** ziziva iindleko zovavanyo lwezandla kakhulu. Xa ingxelo nganye iyiPDF, ukulibaziseka okuncinci kuyadibanisa. Izixhobo ezibonisa izalathisi eziphambili kunye neziphumo zokufaneleka zivumela la maqela ukuba azame ngokukhawuleza kwaye abele iinzame kwezona mbono zinamandla.
Amaqela agxininise ekuguquleni ukusebenza kakuhle - nokuba kulinganiswe ngexesha lokuthatha isigqibo, izinga lokuvunywa, okanye izivumelwano ezivaliweyo kwi-broker nganye - fumana uninzi kwisoftware eguqula iingxelo zetyala zibe ngamagalelo esigqibo kunokuba amaxwebhu angatshintshiyo ukuba afakwe kwaye afundwe.
Fumana iDemo - Jonga indlela uHlahlelo lweTyala oluLungiselwayo oluziphucula ngayo iziGqibo zeMali-mboleko
Ukuba ufuna ukubona ukuba ucazululo lwetyala olucwangcisiweyo kunye nokufaneleka kwangaphambili kunokukhawulezisa uvavanyo lwakho kunye nokuphucula imilinganiselo yokuvunywa kwemboleko-mali, sinokuhamba ngayo. I-EvalFin idibanisa idatha ye-bureau (Experian, Datanamix, TransUnion), amanqaku abaxhasi, ulawulo lwamatyala, kunye nezixhobo zokuthobela kwindawo enye yokusebenzela eyakhelwe iingcali zekhredithi zaseMzantsi Afrika.
Dibana noukubona ukuba ukuguqula iingxelo zetyala zibe zizixhobo zigqibo ziphucula njani izigqibo zemali-mboleko kwi-brokerage yakho.