Uthelekiso lweBreyithi yamaTyala eMzantsi Afrika

UMzantsi Afrika unamaziko amaninzi okuthenga ngetyala abhalisiweyo asebenza phantsi kolongamelo lweNational Credit Regulator, kwaye iingcali zekhredithi zihlala zisebenza nangaphezulu kwesinye. Ukuqonda indlela i-Datanamix, i-Experian, iTransUnion, i-XDS, kunye neCompuscan ehluke ngayo kwi-data coverage, amanqaku, kunye nomxholo wengxelo inceda abaqeqeshi ukuba bakhethe ukutsalwa ngokufanelekileyo kunye nokutolika iziphumo ngokuqhubekayo. Esi sikhokelo sithelekisa amaziko amakhulu, sichaza amandla awo kunye neemeko zokusetyenziswa eziqhelekileyo, kwaye sicacisa ukuba kutheni umbono wamaziko amaninzi kunye nomba wohlahlelo olucwangcisiweyo lwabacebisi ngamatyala, abarhwebi kunye nabanikezeli bamatyala.

IQumrhu lezamaTyala laseMzantsi Afrika iLandscape

UMzantsi Afrika awuxhomekekanga kwiziko elinye lesizwe lamatyala. I-NCR ibhalisa kwaye yongamele amaziko amaninzi agcina inkcazelo ngeentengo zemboleko, ngalinye liqokelela, libambe, kwaye linike ingxelo ngedatha yabathengi kunye neyorhwebo. Onke amaziko aphambili angamalungu oMbutho wamaTyala aseMzantsi Afrika (i-SACRRA) kwaye afaka isandla kwiinkcukacha zolwazi ekwabelwana ngazo apho kufanelekileyo, kodwa iziko ngalinye ligcina uvimba walo wedatha, imizekelo yamanqaku, kunye neefomathi zengxelo. Ababolekisi kunye nabanye ababoneleli ngedatha banika ingxelo kumaqumrhu ngokuzithandela okanye phantsi kwesivumelwano, nto leyo ethetha ukuba akukho ziko lilodwa eligcina iakhawunti nganye okanye wonke umbolekisi. I-landscape iquka ii-ofisi ezintlanu ezidibana neengcali zetyala rhoqo: Experian, TransUnion, Datanamix, XDS, and Compuscan. Ezokuqala ezintathu-i-Datanamix, i-Experian, kunye ne-TransUnion-zezona zisetyenziswa rhoqo kuvavanyo olubanzi lwetyala lomthengi kunye nokuhamba komsebenzi weengcebiso zamatyala, kwaye zijolise kuthelekiso oluneenkcukacha olungezantsi. XDS kunye Compuscan zigutyungelwe kwicandelo elifutshane, njengoko bonazikhonza amacandelo ahlukeneyo kwaye ziya zibaluleke kakhulu kwimboleko-mali encinci, intengo yemboleko yokuthengisa, kunye namatyala okusetyenziswa akhokelwa kuhlalutyo. Ngombono osisiseko wendlela yokutolika iziphumo zeofisi nokuba isuka phi na, jonga isikhokelo sethu ku indlela yokufunda ingxelo yetyala ngobuchule.

Umxube weDatana: Amandla kunye nokuGxininisa

I-Datanamix ngumniki wedatha yomthengi okhokelayo eMzantsi Afrika egxininisa kakhulu ekufikeleleni kunye nedatha enye. Iingxelo zayo zisetyenziswa kakhulu ngabacebisi ngamatyala kunye nabarhwebi abafuna umbono ocacileyo wokuvezwa, ukuziphatha, kunye namandla okuhlawula.

Ukujongwa kwedatha kunye nokunika ingxelo

Iingxelo zeDatanamix ziquka amacandelo e-coreau core: ukubonakaliswa kwetyala (ityala lilonke, iintlobo ze-akhawunti, ibhalansi), ukuziphatha kwentlawulo kunye neentambo zeprofayili yokuhlawula, kunye noluhlu olubi olufana nezigwebo, ukungagqibeki, kunye nemiyalelo yokulawula. Apho i-Datanamix ivelele ekugxininiseni kwizibonakaliso zokufikeleleka kunye nedatha enye. Iimpawu zokufikeleleka kunye nexesha lokwenyani okanye kufutshane nedatha yokufikeleleka ngexesha lokwenyani yinxalenye ephambili yonikezelo, oluhambelana neemfuno zoMthetho weNtengo weSizwe wokuvavanya ukuba ingaba umboleki unako na ukuhlawula ityala elongezelelweyo okanye uhlengahlengiso olucetywayo. Imithombo yedatha engenye inokwandisa umfanekiso ngaphaya kwemigca yorhwebo yendabuko, enceda kubathengi abaneefayile ezincinci okanye iimbali zekhredithi ezingezizo eziqhelekileyo. Ukujonga nzulu ukuba zithini iingxelo zeDatanamix kunye nendlela yokuzihlalutya, bona i-Uhlalutyo lwengxelo yetyala leDatanamix isikhokelo sethu.

Amanqaku kunye nezalathi zomngcipheko

I-Datanamix ibonelela ngezalathi zomngcipheko kunye nezinto zamanqaku ezishwankathela ukufaneleka kwetyala. Njengawo nawaphi na amanqaku eofisi, ezi ziluncedo njengophawu olukhawulezayo kodwa kufuneka zisetyenzisweecaleni kwedatha esisiseko-iiakhawunti, imbali yokuhlawula, uluhlu olubi, kunye nezalathi zokufikeleleka-ukuze iifemu zisebenzise imithetho yazo yezigqibo kwaye zichaze iziphumo kubathengi kunye nabaphicothi-zincwadi. Ukudityaniswa kweemetrikhi zomngcipheko wemveli kunye nedatha egxile ekufikeleleni kwenza ingxelo yeDatanamix ibe nolwazi ngakumbi kwiimvavanyo ezisekelwe kumthamo.

Ifaneleke kakhulu

I-Datanamix ifaneleke ngakumbi kubacebisi betyala lokwakha iziphakamiso zohlengahlengiso kunye nakweyiphi na ingcali ekufuneka iphendule “Ngaba lo mboleki unokuhlawula amatyala amaninzi?” Ugxininiso lwayo lokufikeleleka luxhasa uvavanyo lokufikeleleka olulungelelaniswe ne-NCA kwaye luhambelana nokuhamba komsebenzi apho ukuvezwa kunye nomthamo kusembindini. Abarhwebi kunye nababolekisi bagxile kwizigqibo eziqhutywa kukufikeleleka bahlala betsala i-Datanamix ecaleni kwe-ofisi enye okanye ngaphezulu ukuze bafumane ubunzulu bomgca worhwebo kunye neempawu zokufikeleleka.

Ingcali: Amandla kunye nokuGxila

I-Experian isebenza kwihlabathi jikelele naseMzantsi Afrika njengenye yee-arhente ezinkulu zokunika ingxelo ngetyala. Iingxelo zayo zaseMzantsi Afrika zibonelela ngedatha ebanzi yomgca worhwebo kwaye ziyinxalenye yegalelo eliqhelekileyo kubaboneleli beentengo zemboleko kunye nabarhwebi abamiselweyo.

Ukujongwa kwedatha kunye nokunika ingxelo

Iingxelo zeentengo zemboleko eMzantsi Afrika ziquka ii-akhawunti zetyala ezivuliweyo nezivaliweyo (amakhadi evenkile, imali-mboleko yobuqu, imali yemoto, imali-mboleko yezindlu, kunye nezinye izinto), ezinamagama abantu abatyala imali, iibhalansi, imida, kunye nobume beakhawunti. Imbali yentlawulo iboniswe kwimitya yeprofayili yentlawulo ebonisa ukuziphatha kwenyanga-ngenyanga (umzekelo, yangoku, inyanga enye isemva, iinyanga ezimbini, njalo njalo). Izigwebo, ukungagqibeki, imibuzo (inzima kwaye ithambile),Iimpawu zomngcipheko okanye amanqaku, kunye nesazisi kunye nedatha yedilesi nazo zikhona. Ububanzi kunye nolwakhiwo lwedatha yomgca worhwebo yenza ukuba iingxelo ze-Experian zibe luncedo kubabolekisi kunye nabarhwebi abafuna imbono ebanzi yembali yetyala lomthengi. Ukufumana iinkcukacha ezithe vetshe ngomxholo wengxelo kunye notoliko, bona Ingxelo yamatyala anolwazi eMzantsi Afrika isikhokelo sethu.

Amanqaku kunye nezalathi zomngcipheko

I-Experian ibonelela ngezalathi zomngcipheko kunye namanqaku amatyala ashwankathela ukufaneleka kwetyala. Lawa angamanqaku e-generic bureau okanye amanqaku angqamene nemveliso. Zisebenza njengereferensi ekhawulezayo kodwa azitshintshi imfuno yokuhlalutya amacandelo angaphantsi-iiakhawunti, iintambo zokuhlawula, izigwebo, kunye nemibuzo-xa usebenzisa umgaqo-nkqubo wangaphakathi okanye ucacisa izigqibo. Amandla e-Experian kubasebenzisi abaninzi alele kubunzulu bedatha engaphantsi kunakwinqaku elinye.

Ifaneleke kakhulu

I-Experian ifaneleka kakuhle kwizigqibo ezibanzi zokuboleka imali kunye nabanikezeli bamatyala abanobudlelwane obusekiweyo bamaziko. Inkcazo ebanzi yomgca worhwebo kunye neziseko ezingundoqo zehlabathi zixhasa ulawulo lwepotfoliyo, uvavanyo lwezicelo, kunye nokubeka iliso kumngcipheko. Abacebisi ngamatyala kunye nabarhwebi nabo basebenzisa i-Experian xa befuna umfanekiso opheleleyo wee-akhawunti kunye nembali yentlawulo evela kwi-bureau eyodwa, ngokuphindaphindiweyo ngokudibanisa nelinye i-bureau ukuze bazaliseke.

Imanyano yeManyano: Amandla kunye nokuGxininisa

ITransUnion inembali ende kwimarike yaseMzantsi Afrika kunye nentatho-nxaxheba ebanzi evela kubabolekisi ngemali, nto leyo eguqulela kumgca worhwebo onzulu kunye neenkcukacha zembali yentlawulo. Amanqaku ayo e-Empirica asetyenziswa kakhulu kwimarike yendawo yokuboleka imali.

Ukujongwa kwedatha kunye nokunika ingxelo

TransUnionIingxelo zetyala eMzantsi Afrika zidwelisa ii-akhawunti ezivuliweyo nezivaliweyo ezineenkcukacha zomkweliti, iibhalansi, imida, kunye nobume. Imitya yeprofayile yentlawulo isebenzisa iikhowudi zamanani (umzekelo, 0 okwangoku, 1 kwinyanga enye esemva) ukubonisa ukuziphatha ngexesha. Izigwebo, ukungagqibeki, olunye uluhlu olubi, imibuzo, isazisi kunye nedatha yedilesi, kunye nezibonakaliso zomngcipheko okanye amanqaku afakiwe. Imbali enzulu yeTransUnion yaseMzantsi Afrika kunye nentatho-nxaxheba ebanzi yababolekisi ngemali ithetha ukuba kubathengi abaninzi, ingxelo yeTransUnion iya kubonisa inxalenye enkulu yetyala labo. Ukufumana ucazululo olupheleleyo lwamacandelo engxelo kunye nendlela yokuwasebenzisa, bona i-Ingxelo yetyala leTransUnion eMzantsi Afrika isikhokhelo sethu.

Amanqaku kunye nezalathi zomngcipheko

Amanqaku eTransUnion’s Empirica sisalathisi somngcipheko esiqhelekileyo kwiingcali zetyala zaseMzantsi Afrika. Njengamanye amanqaku e-bureau, ibonelela ngomqondiso wesishwankathelo kodwa ayithathi indawo yohlalutyo lwedatha esisiseko. Iifemu ezisebenzisa i-Empirica zihlala ziyidibanisa kunye nemithetho yazo malunga nokuziphatha kwentlawulo, ukuvezwa, kunye noluhlu olubi ukufikelela kwizigqibo ezingaguqukiyo nezikhuselekayo. Amanqaku aluncedo kwitriage kunye nokulungelelaniswa neenkqubo zababolekisi esele zisebenzisa i-Empirica.

Ifaneleke kakhulu

ITransUnion iyifanelekele kakuhle imali ebolekisayo yemveli, ulawulo lwepotfoliyo, kunye nakuphi na ukuhamba komsebenzi apho urhwebo olubanzi kunye nembali yentlawulo iphambili. Abacebisi ngamatyala, ii-brokers, kunye nabanikezeli bekhredithi abafuna i-akhawunti epheleleyo yokujonga kwinqanaba le-akhawunti bahlala betsala iTransUnion, kwaye abaninzi bayisebenzisa kunye neDatanamix okanye i-Experian ukuze bazuze kwi-multi-bureau coverage. Isikhundla sayo esisekiweyo kwimarike sikwenza kube lukhetho olungagqibekanga kubabolekisi abaninzi kunye neefemuimfuneko yokutshatisa imithombo yedatha esemgangathweni.

XDS kunye neCompuscan

Ngaphaya kwezi zintathu zinkulu, i-XDS kunye neCompuscan zidlala indima ebalulekileyo kubume betyala eMzantsi Afrika kwaye zifanele ukuqondwa xa kuyilwa iqhinga le-bureau.

I-XDS igxile kakhulu ekubolekiseni ngemali encinci nakwintengo yemboleko yokuthengisa. I-database yayo ikhulile kwaye ibandakanya imigca yezorhwebo kunye nolwazi olubi oluvela kubabolekisi abathatha inxaxheba kula macandelo. Iingcali zekhredithi ezisebenza kwixesha elifutshane lokuboleka imali, iimali zokuthengisa, okanye iimali-mboleko ezincinci zihlala zidibana neengxelo ze-XDS kwaye zinokutsala i-XDS ukongeza kwi-Datanamix, i-Experian, okanye i-TransUnion xa bevavanya abafaki-zicelo kuloo macandelo. Ukufumana okungakumbi ngomxholo wengxelo ye-XDS kunye neemeko zokusetyenziswa, bona LINK_4_ isikhokhelo sethu.

ICompuscan idibanisa idatha ye-bureau kunye nohlalutyo kwaye iye yandisa indawo yayo yaseAfrika. Ibonelela ngezixhobo ezifikelelekayo kunye nezisombululo zomngcipheko ezihambelana neengxelo zamaziko emveli. Iifemu ezifuna uhlalutyo olugxile ekufikeleleni okanye ukujonga kwiimarike ezininzi zaseAfrika zinokusebenzisa iCompuscan ecaleni kwamanye amaziko. Ukufumana iinkcukacha ngeminikelo yeCompuscan kunye nokuba ingena njani kwindlela yamaziko amaninzi, bona Ingxelo yetyala leCompucan eMzantsi Afrika isikhokelo sethu.

Ayikho i-XDS okanye iCompuscan ethatha indawo yezintathu ezinkulu kuvavanyo lwetyala lomthengi oluqhelekileyo; bandisa i-coverage kwaye bongeza i-niche okanye ixabiso lokuhlalutya. Ukukhetha ukuba yeyiphi na iofisi oza kuyitsala ixhomekeke kwisiseko somthengi wakho, iseti yemveliso, kunye neemfuno zokuthotyelwa.

Iiyantlukwano eziphambili eziBalulekileyo kwiiNgcali zeTyala

Imilinganiselo emininzi iyahlula i-bureaux kwaye ichaphazela indlela osebenzisa ngayo idatha yabo.

Ubunzulu bedatha kunye nokugubungela. I-TransUnion kunye ne-Experianzombini zibonelela ngeenkcukacha zomda worhwebo kunye nentatho-nxaxheba ebanzi yababolekisi ngemali eMzantsi Afrika; umxube ochanekileyo weeakhawunti kwingxelo enikiweyo ixhomekeke ekubeni ngabaphi ababolekisi abaxelayo kweliphi na iziko. I-Datanamix igxininisa ukufikeleleka kunye nedatha engenye ukongeza kwimigca yezorhwebo yendabuko, ngoko ke iingxelo zayo zinokongeza izibonakaliso ezinxulumene nomthamo kunye nezingavumelekanga ukuba ezinye zingagqamisa ngendlela efanayo. Ayikho i-bureau enye ephethe yonke i-akhawunti-ababolekisi banika ingxelo kwii-bureau ezahlukeneyo, ngoko ukhuseleko luyahluka ngabathengi kunye ne-bureau.

Indlela yokufumana amanqaku. Iziko ngalinye lisebenzisa imodeli yalo yokufumana amanqaku. Amanqaku eTransUnion’s Empirica achazwa ngokubanzi kwimarike yoMzantsi Afrika; I-Experian kunye neDatanamix banikezela ngezalathi zabo zomngcipheko kunye namanqaku. Amanqaku akathelekiseki ngokuthe ngqo kuwo onke amaziko, kwaye amanqaku ewodwa awafane anele kwizigqibo ezisekelwe kumgaqo-nkqubo. Iingcali zekhredithi zisebenzisa amanqaku njengegalelo elinye kwaye zixhomekeke kuhlalutyo olucwangcisiweyo lokuvezwa, indlela yokuhlawula, kunye noluhlu olubi lweziphumo ezingaguqukiyo.

Ukufikeleleka kunye nedatha engenye. I-Datanamix igqamile kwizalathisi zokufikeleleka ezakhelwe ngaphakathi kunye nolunye uhlanganiso lwedatha, oluxhasa uvavanyo lokufikeleleka oluhambelana ne-NCA kunye nokucetyiswa ngamatyala. I-Experian kunye neTransUnion zibonelela ngedatha ekrwada (ibhalansi, imida, izavenge) apho ukufikeleleka kubalwa khona, kodwa azisoloko zibonakalisa ukufikeleleka njengesalathisi esizinikezeleyo, esiveliswe kwiziko ngendlela efanayo. Kuxhomekeka ekuhambeni kwakho komsebenzi, unokukhetha i-bureau enye yokubonisa ukufikeleleka okanye ukudibanisa iiofisi ezininzi kunye nokubala ukufikeleleka endlini.

Ifomathi yengxelo kunyeukuhanjiswa. Onke amaziko amakhulu azisa iingxelo ezidla ngokusetyenziswa njengeePDF okanye iifomathi ezimile ezifanayo. Uyilo, umyalelo wecandelo, kunye nokuleyibhile kuyahluka kwi-bureau ukuya kwi-bureau, ngoko ke uhlobo olufanayo lolwazi (umzekelo, umtya weprofayili yentlawulo, umhla wesigwebo) unokuvela kwiindawo ezahlukeneyo kunye neefomathi. Oko kungahambelani kongeza ngaphezulu xa amaqela esebenza kwimithombo ye-ofisi eliqela kwaye yomeleza imfuno yombono oqhelekileyo, ocwangcisiweyo.

Iindleko nofikelelo. Amalungiselelo okufikelela, amaxabiso, kunye namanqanaba emveliso ayohluka ngokweziko nangohlobo lomsebenzisi. Iingcali zekhredithi zihlala zinezivumelwano ne-ofisi enye okanye ngaphezulu ngokuxhomekeke kumthamo kunye nemeko yokusetyenziswa. Ukutsalwa kwiiofisi ezininzi zonyusa iindleko kodwa kukwaphucula ukugqibelela; urhwebo-off kufuneka ecacileyo kwisicwangciso bureau yakho.

Kutheni Uhlalutyo lwe-Multi-Bureau lubalulekile

Akukho ziko elinye linedatha epheleleyo. Ababolekisi abahlukeneyo banika ingxelo kuma-bureaux ahlukeneyo, kwaye inxaxheba iyatshintsha ngokuhamba kwexesha. Umthengi unokuba neeakhawunti ezivela kwingxelo ye-bureau kodwa ingabi yeyomnye. Kubacebisi ngamatyala, oko kuthetha ukuba uhlenga-hlengiso olusekwe kwi-ofisi enye inokuphoswa zii-akhawunti kunye nokuba sesichengeni esiphantsi okanye umthamo ogqithisileyo. Kubathengisi kunye nababolekisi, uhlolo lwe-bureau enye lunokukhokelela kwiimbono ezingaphelelanga zomngcipheko kunye nezigqibo ezingahambelaniyo xa umthengi omnye ehlolwa ngokuchasene namaziko ahlukeneyo kwizigaba ezahlukeneyo.

Ukutsalwa kwiiofisi ezininzi kunika umfanekiso ogcweleyo: ubona iiakhawunti ezininzi, imbali yentlawulo eninzi, kunye nolwazi olubi. Oko kuxhasa izigqibo ezingcono kunye nokuthotyelwa okunamandla. I-NCR ilindele abaniki-nkonzo yeentengo zemboleko kunye namatyalaabacebisi ukuba benze uhlolo olubanzi lokufikeleleka kunye nokusebenzisa idatha eyilungele injongo; ukuthembela kwiziko elinye kunokungafikeleli lo mgangatho xa ii-akhawunti zezinto eziphathekayo zikhona kwenye indawo. Ngonyango olunzulu lokuba zisetyenziswa nini kwaye njani iiofisi ezininzi, bona isikhokelo sethu ku- Iingxelo zamatyala amaninzi eMzantsi Afrika.

Ukwenza i-Bureau Data isebenziseke

Ingxaki yefomathi iqhelekile kuwo onke amaziko. Nganye ihambisa iiPDF (okanye amaxwebhu afanayo) anoyilo olwahlukileyo, amagama amacandelo, kunye nomboniso. Abahlalutyi kufuneka bafunde uhlobo ngalunye lwengxelo, bafumane iindawo ezifanelekileyo, kwaye basebenzise imithetho yabo ngesandla-okanye bagcine iinkqubo ezahlukeneyo kwi-bureau nganye. Oko kuyacotha ukudlula, kwandisa ingozi yempazamo, kwaye kwenza kube nzima ukuthelekisa abathengi okanye ukulandelela utshintsho ngokuhamba kwexesha ngendlela ehambelanayo.

Indlela yokuhlalutya ecwangcisiweyo ilungisa oku ngokuhlengahlengisa idatha kuwo wonke amaziko. Kungakhathaliseki ukuba ingxelo yomthombo ivela kwi-Datanamix, Experian, TransUnion, XDS, okanye iCompuscan, iingcamango ezifanayo-i-exposure iyonke, ukuziphatha kwentlawulo, uluhlu olubi, imimandla ehambelana nokufikeleleka-inokumelwa kwi-schema eqhelekileyo. Imithetho kunye nemigangatho (umzekelo, iflegi ukuba isigwebo kwiinyanga ezingama-24 ezidlulileyo, okanye izavenge zizonke zidlula i-x% yengeniso) iya kusebenza ngokungaguqukiyo nokuba leliphi na iziko elivelise ingxelo yomthombo. Loo nto yenza ukuba amaziko amaninzi atsale alawuleke kwaye aqinisekise ukuba ubutyebi bedatha ye-bureau nganye busetyenziswa ngokwenene kunokuba kulahleke ekuphatheni amaxwebhu.

Amanyathelo Alandelayo

Ukukhetha i-bureaux kunye nokuyila isicwangciso sokutsala kuxhomekeke kwisiseko somthengi wakho, iimveliso kunye neemfuno zokuthotyelwa. Nje ukuba ube neengxelo ezininzi zeofisi, inyathelo elilandelayoukuzijika zibe kumbono omnye, othelekisekayo ukuze ukuvezwa, ukuziphatha, kunye nedatha engalunganga iqhube izigqibo ngokungaguqukiyo. Ukuba ungathanda ukubona ukuba indlela ecwangcisiweyo, yamaziko amaninzi angakuxhasa njani ukuqhutywa komsebenzi wakho, dibana nedemo.