AbaBoneleli ngetyala Software eMzantsi Afrika | Isikhokelo sokuBoleka

Ababoneleli ngetyala eMzantsi Afrika bajongene noxinzelelo olukhulayo lokuba benze ngokukhawuleza, izigqibo ezichane ngakumbi zokuboleka imali ngelixa begcina ukuthotyelwa kwemithetho engqongqo. Nangona kunjalo uninzi lusaxhomekeke kwiinkqubo ezenziwa ngesandla - ukutsala iingxelo zetyala lePDF, ukutolika idatha ngesandla, kunye nokugcina iirekhodi kuzo zonke iinkqubo ezingadingekiyo. Njengoko imiqulu yesicelo ikhula, le ndlela idala imiqobo, ukungahambelani, kunye nomngcipheko wokuthotyelwa.

UMthetho weNtengo weSizwe (NCA) kunye neNational Credit Regulator (NCR) zifuna uhlolo olubhaliweyo lokufikeleleka, ukuthathwa kwezigqibo elubala, kunye neerekhodi ezinokulandeleka. Kwangaxeshanye, ukhuphiswano kunye nolindelo lwabathengi lutyhala ababolekisi ukuba bacuthe amaxesha okutshintsha nokuphucula amazinga okwamkelwa ngaphandle kokubeka esichengeni umngcipheko. Ukuvala eso sikhewu kufuna izixhobo ezakhelwe ngokukodwa uhlolo lwetyala: isoftware eyakha idata yeofisi, ibeka emgangathweni uvavanyo, kwaye igcina isenzo ngasinye siphicotheka. Eli nqaku lichaza imiceli mngeni yokuhamba komsebenzi wezandla kunye ne-ad hoc, yeyiphi isoftware yale mihla yomboneleli wetyala ekufuneka ihambise, kwaye ikuxhasa njani ukusebenza kakuhle kunye nokulungela ukulawula.

Umceli mngeni woVavanyo lweTyala ngokuManuwali

Xa izigqibo zetyala zixhomekeke kwiingxelo zetyala le-PDF, ukuhamba komsebenzi kuhamba kancinci kwaye akuhambelani. Igosa lemali-mboleko lifumana isicelo, lingena kwi-ofisi ye-ofisi enye okanye ngaphezulu, licele ingxelo, kwaye lilinde uxwebhu ukuba lukhutshelwe. Ingxelo ifika njenge-PDF enamaphepha amaninzi eyenzelwe ukufundwa kwabantu, kungekhona uhlalutyo olucwangcisiweyo. Igosa kufuneka emva koko lihlolisise amacandelo, likhuphe amanani abalulekileyo ngengqondo - ukuziphatha kwe-akhawunti, umlinganiselo wetyala-kwingeniso, kakubi.uluhlu - kwaye uzithelekise ngokuchasene nomgaqo-nkqubo wangaphakathi wokuboleka imali. Akukho magosa mabini aya kuthi ngokuyimfuneko abeke phambili iindawo ezifanayo okanye asebenzise imiqobo ngendlela efanayo.

Oko kuguquguquka kwazisa umngcipheko. Omnye umvavanyi unokujolisa kakhulu kwiintsilelo zamva nje; omnye unokulinganisa iipateni zembuyekezo ngokwembali. Ngaphandle kombono osemgangathweni wedatha, kunzima ukuqinisekisa ukuba abafaki-zicelo abafanayo bavavanywa kwisiseko esifanayo. Imicimbi ehambelanayo ayibalulekanga kuphela kubulungisa kunye namava omthengi kodwa kunye nomgangatho wepotfoliyo kunye nokuhlolwa kokulawula. Abaphicothi-zincwadi kunye ne-NCR balindele ukubona iindlela ezicacileyo, eziphindaphindwayo kunye nobungqina bokuba zisetyenzisiwe.

Isantya siyahlupheka ngokunjalo. Ukutolika ngesandla kuthatha ixesha. Xa umthamo unyuka, ukusilela kuyakhula, kwaye abafaki zicelo balinda ixesha elide ukufumana iziphumo. Kwiimarike ezikhuphisanayo, ukujika kancinci kunokuthetha ukulahleka kweshishini okanye abafaki-zicelo baye kwenye indawo. Kwakhona kwandisa amathuba okuba amaxwebhu axhasayo okanye iinkcukacha ze-bureau ziphelelwe lixesha, zinyanzelise ukutsalwa kwakhona nokuhlolwa kwakhona.

Enye ingxaki kukulandeleka. Xa iingxelo zitsalwa kwiiwebhusayithi ze-bureau kwaye zigcinwe kwiidrives ekwabelwana ngazo okanye iintambo ze-imeyile, kunzima ukwazi ukuba ngubani okhupha ingxelo, nini, kwaye yeyiphi isicelo. Ukudibanisa ingxelo yengxelo ethile kwisigqibo esithile, kunye nomntu osithathileyo, kudla ngokufuna umsebenzi womcuphi. Loo nto iwenza buthathaka umkhondo wophicotho-zincwadi kwaye yenza nzima uphononongo lwangaphakathi kunye nezicelo zolawulo. Kubaniki-nkonzo yeentengo zemboleko abazimiseleyo malunga nokuthotyelwa kunye noxanduva, uvavanyo lwekhredithi olwenziwa ngesandla ludala utyhileko olungeyomfuneko ekusebenzeni nokusemthethweni.

Kutheni i-Spreadsheets kunyeIzixhobo zeGeneric ziwa Mfutshane

Amanye amaqela azama ukuphucula ukuhamba komsebenzi okucocekileyo kwePDF ngokukopa amanani kwi-spreadsheets okanye ukwakha iitemplates ze-ad hoc. Ispreadsheets zinokugcina amanani kunye neefomyula ezilula, kodwa azikwazi ukuginya ngokuzenzekelayo okanye zimise idatha ye-credit bureau. Umntu kusafuneka afunde ingxelo nganye kwaye achwetheze (okanye ancamathisele) amaxabiso kwiiseli ezichanekileyo. Loo nto ayisusi utoliko lwezandla; yongeza kuphela inyathelo kwaye yonyusa umngcipheko weempazamo zoshicilelo.

Ispreadsheets nazo azikho izikhombisi zengozi yexesha langempela kunye namanqaku adibeneyo. Umlinganiselo wokufikeleleka, ukhuseleko lwenkonzo yetyala, okanye amakhadi amanqaku angaphakathi kufuneka abalwe ngesandla okanye agcinwe ngokwemifuziselo eyahlukileyo. Xa imithetho yokubolekisa ngemali okanye iifomathi zengxelo ye-bureau zitshintsha, i-spreadsheets ezininzi kunye neetemplates zinokufuna ukuhlaziywa, kunye nolawulo loguqulelo kwiqela lonke lunzima kakhulu. Elinye igosa lemali-mboleko linokusebenzisa ithempleyithi ephelelwe lixesha ngelixa elinye linetoliko eyahlukileyo yepolisi efanayo.

Ukusuka kwimbono yokuthotyelwa, ii-spreadsheets zibuthathaka. Abafane barekhode ukuba ngubani otshintshe into kwaye nini. Abaziqhamanisi ngokuzenzekelayo ukutsalwa kwe-bureau kwisicelo esithile okanye isigqibo. Iirekhodi ezilungele ukulawulwa zifuna ikhonkco elicacileyo: le ngxelo yatsalwa ngeli xesha, ngulo mqhubi, kwesi sicelo, kwaye esi sigqibo senziwe ngokusebenzisa le datha. Izixhobo zeGeneric aziboneleli oko ngokungagqibekanga, zishiya abaniki-nkonzo zeentengo zemboleko ukuba babuyise iindlela zophicotho-zincwadi emva komcimbi.

Iisilo zedatha zidibanisa umba. Xa idatha yetyala ihlala kwi-spreadsheets, amanqaku esigqibo kwinkqubo eyahlukileyo, kunye ne-bureau PDFs kwenye ifolda, akukho mbono inye yeisicelo sikhona. Amaqela asemngciphekweni kunye nokuthotyelwa akakwazi ukuhlalutya ngokulula iipateni zezigqibo okanye ukulungiselela uphicotho-zincwadi ngaphandle kokulungelelanisa ngesandla imithombo emininzi. Kubanikezeli bekhredithi abajonge ukulinganisa nokuhlala bethobela, i-spreadsheets kunye nezixhobo eziqhelekileyo zisisithintelo, ayisosisombululo sexesha elide.

Yintoni ekufuneka Yenziwe ngabaBoneleli beTyala yale mihla

Isoftware yomboneleli wetyala eyakhiwe ngenjongo ilungisa ezi zikhewu ngokuqhagamshela ngqo kwiziko kunye nokuguqula idatha yengxelo ekrwada ibe lulwazi olulungelelanisiweyo, olunokusetyenzwa. Kumxholo waseMzantsi Afrika, oko kuthetha ukudibanisa kunye ne-Experian, iDatanamix, kunye neTransUnion ukwenzela ukuba iingxelo zitsalwe kwindawo enye yokusebenza. Idatha esuka kwi-bureau nganye kufuneka ibe yinto eqhelekileyo kwifomathi ehambelanayo - ii-akhawunti, ukuziphatha, ibhalansi, ulwazi olubi - ukwenzela ukuba abaphononongi babone isakhiwo esifanayo kungakhathaliseki ukuba leliphi i-bureau enike ingxelo.

Inkqubo kufuneka ibonise ukufikeleleka kunye nezalathi zomngcipheko ngokucacileyo. Umlinganiselo wetyala kwingeniso, imilinganiselo yesavenge ukuya kwingeniso, kunye nezinye iimetrics ezibalulekileyo kuvavanyo lokufikeleleka kweNCA kufuneka zibalwe kwaye ziboniswe ngendlela esemgangathweni. Oko kuvumela lonke igosa lemali-mboleko ukuba livavanye abafaki-zicelo ngokuchasene neendlela ezifanayo kunye nokunciphisa umahluko ovela kuye wonke umntu ofunda iiPDF ngokwahlukileyo. Iiparamitha zamanqaku angaphakathi kunye nemithetho yokuboleka ingabonakaliswa kwisixhobo ukwenzela ukuba ukuvunywa, ukuhla, okanye ukuthunyelwa kusekelwe kwingqiqo engaguqukiyo.

Ukufikelela ngexesha lokwenyani yenye imfuneko ephambili. Xa isicelo sifika, umvavanyi kufuneka akwazi ukucela idatha ye-bureau kwaye abone iziphumo ezicwangcisiweyo ngaphandle kokushiya iqonga. Hayiukutshintsha ngakumbi phakathi kweephothali zeofisi kunye namaxwebhu asekuhlaleni. Ukufikelela ngokukhawuleza kuthetha izigqibo ezikhawulezayo kunye namava angcono kubasebenzi kunye nabafaki-zicelo. Kwakhona kwenza kube lula ukutsala kwakhona okanye ukuhlaziya idatha xa izicelo zivavanywa ngokutsha okanye xa imigaqo-nkqubo itshintsha.

Isoftware yala maxesha yomboneleli ngetyala kufuneka ixhase ukudityaniswa neenkqubo zangaphandle ezifana neeCRM, amaqonga okuqalisa imali-mboleko, okanye izixhobo zolawulo lwamatyala. Idatha kunye nezigqibo kufuneka zihambe apho ishishini sele lisebenza, kunokuba linyanzelise yonke into kwi-silo evaliweyo. Xa idatha ye-bureau, i-metrics yokufikeleleka, kunye neziphumo zesigqibo zihlala kwindawo enye kwaye zingabelana nezinye iinkqubo, abanikezeli bekhredithi banokulinganisa iinkqubo zabo ngaphandle kokulahlekelwa kolawulo okanye ukubonakala.

Iindlela zoPhicotho-zincwadi kunye nokuThotyelwa kweMigaqo

Ukuthotyelwa kwe-NCA kunye nolindelo lwe-NCR kuxhomekeke ekukwazini ukubonisa ukuba kwenziwa ntoni na, nini, kwaye ngubani. Isoftware yomnikezeli wetyala kufuneka irekhode yonke into eyenziwayo. Utsalo lwengxelo yeziko ngalinye kufuneka lufakwe isitampu sexesha kwaye lubalulwe kumsebenzisi othile. Oko kudala ikhonkco elicacileyo phakathi kwedatha esetyenzisiweyo kunye nomntu oyicelileyo, okuyimfuneko xa ukhusela izigqibo okanye uphendula imibuzo yomlawuli.

Amaxwebhu esigqibo kufuneka azaliswe. Inkqubo kufuneka ixhase (kwaye ikhuthaze) ukurekhoda ingqiqo yokuvunywa, ukwaliwa, okanye ukuthunyelwa. Xa loo maxwebhu ebotshelelwe kwirekhodi efanayo nedatha ye-bureau kunye nomsebenzisi, ibali elipheleleyo lesicelo ngasinye lisendaweni enye. Akukho mfuneko yokuzingela ngee-imeyile okanye iidrive ekwabelwana ngazo ukwakha kwakhona okwenzekileyo.

Ufikelelo olusekwe kwindimaulawulo luqinisekisa ukuba ngabasebenzi abagunyazisiweyo kuphela abanokutsala iingxelo, bajonge idatha ebuthathaka, okanye bathathe amanyathelo athile. Oko kuxhasa ulawulo lwedatha kwaye kunciphisa umngcipheko wokufikelela okungagunyaziswanga okanye ukusetyenziswa kakubi kolwazi lwabathengi. Iimvume zinokulungelelaniswa nemisebenzi yemisebenzi - umzekelo, ukukhawulela i-bureau ukutsala kubavavanyi kunye nokunciphisa utshintsho loqwalaselo kubalawuli - ukwenzela ukuba umbutho ubonise ukuba ukufikelela kufanelekileyo kwaye kulawulwa.

Kunye, ingxelo efakwe istampu sexesha iyatsalwa, ukubalwa kwabasebenzisi, uxwebhu olupheleleyo lwesigqibo, kunye nokufikelela okusekwe kwindima ukuvelisa iirekhodi ezilungele ukulawulwa. Xa i-NCR okanye umphicothi-zincwadi wangaphakathi ebuza ukuba isigqibo senziwe njani na, umniki-nkonzo yeentengo zemboleko unokuvelisa umkhondo wophicotho-zincwadi ohambelanayo endaweni yokuhlanganisa amaqhekeza avela kwiinkqubo ezininzi. Oko kunciphisa umngcipheko wokusebenza kunye nomthetho kwaye kwakha ukuzithemba ukuba umbutho ulawula inkqubo yawo yokuboleka imali.

Imeko yokusetyenziswa eqhelekileyo

Qwalasela umniki-nkonzo yeentengo zemboleko ajongane namakhulu ezicelo zemali-mboleko ngenyanga nganye. Isicelo ngasinye sifuna ukutsalwa kwe-bureau enye okanye ngaphezulu, ukufikeleleka kunye novavanyo lomngcipheko, kunye nesigqibo esibhaliweyo. Ngokuhamba komsebenzi okwenziwa ngesandla, abavavanyi bachitha ixesha elininzi bengena kwii-ofisi zeofisi, bekhuphela iiPDF, kunye nokutolika iziphumo ngesandla. Amaxesha okujika ayolula, kwaye ukungaguquguquki phakathi kwabavavanyi kuyahluka. Ukugcina kunye nokufunyanwa kweengxelo zophicotho-zincwadi okanye izikhalazo kunzima.

Ngedatha yekhredithi ehleliweyo kwiqonga elilodwa, ukuhamba kuyatshintsha. Umvavanyi uvula isicelo kwisoftware yomnikezeli wetyala, ixhokonxa i-bureau itsale (okanye itsale kwiiofisi ezininzi ukubaumgaqo-nkqubo ufuna), kwaye ifumana idatha ecwangcisiweyo - ii-akhawunti, ukuziphatha, izikhombisi zokufikeleleka - kwimbono esemgangathweni. Iikhrayitheriya zokuvavanya zisetyenziswa rhoqo; Amanqaku angaphakathi okanye imithetho yokuboleka ingabonakaliswa kwisixhobo. Umvavanyi urekhoda isigqibo kunye nengqiqo kwindawo efanayo nengxelo. Lonke utsalo kunye nesigqibo ngasinye sifakwe istampu samaxesha kwaye siyalelwe.

Isiphumo kukusetyenzwa ngokukhawuleza, izigqibo ezingaguqukiyo, kunye nomkhondo wophicotho olupheleleyo. Umbutho unokuhlalutya imilinganiselo yokuvunywa, imilinganiselo engagqibekanga, kunye neepatheni zezigqibo ngokuzithemba ukuba idatha esisiseko kunye neengqiqo ziyalandeleka. Xa i-NCR okanye umphicothi-zincwadi ecela ubungqina, umniki-nkonzo yeentengo zemboleko angabuvelisa ngaphandle kokubhuqa. Ngokuhamba kwexesha, idatha engcono kunye neendlela ezihambelanayo zinokuxhasa ukuvunywa okuphuculweyo kwemilinganiselo kunye nencwadi yokuboleka ekhuseleke ngakumbi.

Ngubani le software

Isoftware yababoneleli ngetyala yolu hlobo ifanelekile kuwo nawuphi na umbutho ovavanya izicelo zetyala kwaye uxhomekeke kwidatha ye-bureau. Iibhanki kunye nababolekisi abancinci, nokuba banikezela ngemali mboleko yobuqu, imali yemoto, okanye enye ikhredithi ekhuselekileyo okanye engakhuselekanga, idinga ukuhamba komsebenzi okucwangcisiweyo kunye neendlela zophicotho. Amaziko amakhulu anokuba nemvelaphi ezinikeleyo yemali-mboleko kunye namaqela asemngciphekweni; ababolekisi abancinci banokuba neqela labavavanyi. Kuzo zombini ezi meko, imigaqo efanayo iyasebenza: idatha esemgangathweni, uvandlakanyo olungaguqukiyo, kunye neerekhodi ezilungele ukulawulwa.

Amaqela avela kwimali-mboleko azuza ngokuthe ngqo. Bachitha ixesha elincinci ekuphatheni ingxelo yesandla kunye nexesha elingakumbi kuvavanyo kunye nonxibelelwano lwabathengi. Amasebe omngcipheko kunye nokuthotyelwa afumana ukubonakala kwayeulawulo. Banokuphonononga iipatheni zezigqibo, baqinisekise ukuba imigaqo-nkqubo isetyenziswa ngokuchanekileyo, kwaye balungiselele uphicotho-zincwadi ngaphandle kokwakha ngokutsha imbali esuka kwimithombo ethe saa. Abaphathi abaphezulu banokuba nentembelo enkulu yokuba ukuboleka imali kusebenza kakuhle kwaye kuyahambelana.

Ingaba umniki-mboleko yibhanki ebhalisiweyo, umbolekisi ongeyena webhanki, okanye umsebenzi omncinci wokunyusa, uxinzelelo lufana: izicelo ezingaphezulu, ukulawulwa okungqongqo, kunye nesidingo sokwenza izigqibo ezifanelekileyo ngokukhawuleza. Isoftware yomboneleli wetyala eyakhiwe ngenjongo yenzelwe ukuxhasa loo bhalansi.

Jonga ukuba iNceda yeNkxaso yeTyala eMiselweyo ikunceda njani ukuba wenze iziGqibo zokuBoleka imali ezikrelekrele

Ukuphathwa kwengxelo yezandla kunye nezixhobo ze-ad hoc zidala imiqobo, ukungangqinelani, kunye nomngcipheko wokuthotyelwa. Isoftware yomboneleli wetyala eyakhiwe ngenjongo ibeka phakathi idatha yeziko, ibeka umgangatho wovavanyo, kwaye igcina isenzo ngasinye siphicotheka. Dibana no ukubhukisha idemo kwaye ubone ukuba idatha yekhredithi ecwangcisiweyo kunye ne-regulator-ready-ready audit trails zisebenza njani. Siza kukubonisa ukuba iingxelo zetyala elikhawulezileyo, ukufikeleleka kunye nezalathi zomngcipheko, kunye neendlela ezipheleleyo zophicotho-zincwadi zinokuxhasa ngokukhawuleza, izigqibo zokuboleka ezingaguqukiyo.