IiNgxelo zamaTyala aseMzantsi Afrika | Isikhokelo sokuHlalutya
Funda indlela yokufunda kunye nokuhlalutya iingxelo zekhredithi ze-Experian eMzantsi Afrika. Qonda imida yeePDF kunye nendlela yokumisa idatha yekhredithi.
Iingxelo zeentengo zemboleko ligalelo elingundoqo kubacebisi ngamatyala kunye nee-credit brokers kuMzantsi Afrika uphela. Banikezela ngedatha ethembekileyo, yomgangatho we-bureau kwindlela yokuziphatha yabathengi kunye nentengiso yetyala-kodwa bahlala befika kwifomathi yePDF, ethintela ukuba le datha inokuhlalutywa, ithelekiswe, kwaye iphinde isetyenziswe njani kuzo zonke iimeko. Kubasebenzi bekhredithi abaqhuba ezi ngxelo yonke imihla, ukuqonda ukuba yintoni ingxelo ye-Experian eneneni, kwaye kutheni le fomati ibalulekile, linyathelo lokuqala lokusebenzisa loo datha ngokufanelekileyo.
Esi sikhokelo sichaza awona macandelo aphambili engxelo yetyala le-Experian kumxholo woMzantsi Afrika, imida ebonakalayo yokusebenza ngeePDF, kunye nendlela ukwakhiwa kwedatha efanayo eyiguqula ngayo isuka kuxwebhu olungatshintshiyo ibe yi-asethi elungele isigqibo. Nokuba utsala iingxelo zokucetyiswa ngamatyala, uvavanyo lwee-broker, okanye izigqibo zokuboleka imali, injongo iyafana: jija idatha ye-bureau egqwesileyo ibe luhlalutyo olungaguqukiyo, oluphicothekayo ngaphandle kokwenza isitshixo kwakhona okanye ukuqikelela.
Yintoni equlathwe yiNgxelo yeTyala ye-Experian
Ingxelo yetyala loMchwephesha eMzantsi Afrika yakhiwe kumacandelo amaninzi, ngalinye lisebenzela injongo ethile yomngcipheko kunye novavanyo lwesazisi. Ukwazi ukuba lithetha ukuthini icandelo ngalinye kukunceda utolike ingxelo ngokuchanekileyo kwaye ubone ukuba yintoni ebalulekileyo kwimeko yakho yosetyenziso.
Iiakhawunti zetyala (zivuliwe kwaye zivaliwe)
Ingxelo idwelisa zombini ii-akhawunti zetyala ezivulekileyo nezivaliweyo: amakhadi evenkile, imali-mboleko yomntu, imali yemoto, imali mboleko yezindlu, kunye nezinye izibonelelo. Kwiakhawunti nganye ubona igama lombolekisi, inombolo ye-akhawunti (ihlala igqunywe ngokuyinxenye), umhla wokuvula, ibhalansi yangoku, umda wetyalaokanye imali yoqobo, kunye nobume be-akhawunti (umzekelo yangoku, esemva, evaliweyo). Ukwahlula okuvulelekileyo kwiiakhawunti ezivaliweyo kubalulekile xa kubalwa umlinganiselo wetyala-kwingeniso, ukuvavanya ukufikeleleka, okanye ukwakhiwa kwesindululo sohlengahlengiso lwetyala. Kwifomu yePDF, olu lwazi ludla ngokusasazwa kuzo zonke iitheyibhile nakwimihlathi, ngoko ke ukukhupha uluhlu olucocekileyo lwazo zonke izixhobo zomthengi omnye kudla ngokufuna ukuskena ngesandla kunye nokukopa.
Imbali yentlawulo kunye nemitya yeprofayile yentlawulo
Imbali yentlawulo yenye yezona ndawo zinempembelelo kwingxelo. I-Experian ibonisa kwiintambo ezicwangcisiweyo okanye iikhowudi ezibonisa indlela umthengi ahlawule ngayo ngexesha-umzekelo, umtya wamanani okanye iimpawu apho indawo nganye ibonisa inyanga (umzekelo 0 = ukuya kumhla, 1 = 1 inyanga kwi-arrears, 2 = 2 iinyanga, njl.). Le mitya yeprofayile yentlawulo ikuvumela ukuba ubone iipatheni: iintlawulo zasemva kwexesha, ukungagqibeki okuphindaphindiweyo, okanye uphuculo lwamva nje. Kubacebisi ngamatyala, oku kubalulekile xa ubeka phambili ii-akhawunti okanye ucacisela umxhasi ukuba kutheni ii-akhawunti ezithile zifakwe iflegi. Kubathengisi kunye nababolekisi, iqhuba umdla womngcipheko. Kwi-PDF, le mitya yimibhalo nje; ngaphandle kokwahlulahlula, awukwazi ukuthelekisa ngokulula kubo bonke abathengi okanye uqhube imithetho (umzekelo, “iflegi ukuba nayiphi na iakhawunti ibonisa 3+ ngasemva ngokulandelelana”).
Izigwebo kunye nokusilela
Izigwebo (imiyalelo yenkundla) kunye nokusilela (imeko yokusilela ngokusesikweni kunye nombolekisi) zivela njengamangeno ahlukeneyo okanye iiflegi kwingxelo. Banempembelelo ethe ngqo ekuzuzeni ityala kwaye kaninzi ekufanelekeni kwetyala elitsha okanye iziphumo zokuphononongwa kwetyala. Iingxelo ze-Experian zibonisa imihla, iimali, kunye negama lombolekisi okanyeinkundla. Ukuthobela kunye neengxoxo zabaxumi, kufuneka wazi ngokuthe ngqo ukuba zeziphi izigwebo kunye nokusilela ezikhoyo kwaye zarekhodwa nini. Kwifomathi yePDF, olu lwazi lungcwatywa kwiibhloko ezibalisayo okanye zetafile; ukutsala uluhlu oluhambelanayo kuye wonke umxhasi kuyadika kwaye kunempazamo.
Imibuzo (inzima kwaye ithambile)
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. Kwakhona, kwiPDF olu luluhlu nje olunokufundwa ngesandla-awunakuhluza ngokulula ngohlobo, umhla, okanye ubuze kwiingxelo ezininzi.
Iimpawu zomngcipheko kunye namanqaku amatyala
I-Experian ibonelela ngezalathi zomngcipheko kunye/okanye amanqaku ashwankathela ukufaneleka kwetyala. Ezi zisenokuba ngamanqaku e-generic bureau okanye amanqaku alungelelanisiweyo ngokuxhomekeke kwimveliso. Ziluncedo njengophawu olukhawulezayo kodwa kufuneka ziqondwe ngokomxholo: amanqaku ewodwa akabonisi 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.
Idatha yokuqinisekisa isazisi
Iingxelo ze-Experian kwiUMzantsi Afrika uquka iinkcukacha ezinxulumene nesazisi ezisetyenziselwa ukuqinisekiswa: amagama, iinombolo zesazisi, 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. Kwi-PDF, iindawo zesazisi zixutywa kunye nayo yonke ibali, ngoko ke akukho ndlela icwangcisiweyo yokuzijonga kwisikali.
Ulwazi lomsebenzi kunye nedilesi
Imbali yengqesho kunye needilesi (apho ikhoyo) inceda ekufikeleleni nasekuhloleni uzinzo. Zibaluleke kakhulu kwiingcebiso zamatyala kunye nokuboleka xa ufuna ukuqinisekisa umthombo wengeniso okanye ukulandelela umxhasi. Njengakwamanye amacandelo, kwifomathi yePDF ezi zezofundo lwabantu kuphela-awunakubuza okanye uzithelekise kuzo zonke iingxelo ngaphandle kokwenza isitshixo kwakhona.
Idatha kwingxelo ye-Experian ixabisekile kwaye inegunya. Unyino asiloziko; kukuba kwifomu yePDF idatha ayikalungeli isigqibo. Awunakuthembela kwimithetho ezenzekelayo, uthelekise abathengi, okanye wenze utshintsho kwimbali ngaphandle kokuguqula umxholo ube yidatha ecwangcisiweyo.
Imida yeeNgxelo zeTyala zePDF
IiPDF ziyilelwe ukujongwa nokuprintwa, hayi ukuhlalutya okanye ukuzenzela. Olo yilo ludala imida yokwenyani yokusebenza kuye nabani na oqhuba iingxelo zetyala ngevolumu.
Okokuqala, iiPDF aziyodatha eyakhiweyo. Ingxelo inokubonakala njengetafile, kodwa kwinkqubo yiseti yemigca, iimilo, kunye neebhloko zeteksti. Akukho “ntsimi” yemveli yebhalansi, umtya wentlawulo, okanye umhla wesigwebo-ngoko ngalo lonke ixesha ufuna ukusebenzisa olo lwazi, umntuukuyifunda kwaye uyichwetheze kwenye indawo, okanye isicazululi ngokwesiko kufuneka sakhiwe kwaye sigcinwe. Olo kuxhomekeka ekutsalweni ngesandla okanye kwi-brittle parsing kunciphisa konke ukuhamba komsebenzi kwaye kwandisa amathuba eempazamo.
Okwesibini, awukwazi ukuthelekisa ngokulula kubo bonke abathengi okanye amaxesha. 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. Ngenxa yoko, ukuhambelana kuhlupheka: omnye umhlalutyi unokugxila kumacandelo athile, omnye unokuphosakela ukusilela, kwaye umgaqo wesigqibo “esifanayo” sisetyenziswa ngokwahlukileyo ekusebenzeni.
Okwesithathu, ukubhala imbali kunzima. 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 kufuneka. Akukho khonkco lwakhiweyo phakathi “kwengxelo kaJanuwari” kunye “nengxelo ngo-Epreli,” ngoko ke uhlalutyo lwentsingiselo kunye neembono zangaphambili/emva kokuba zinomsebenzi onzima kwaye zihlala zingagqitywanga.
Okwesine, umsebenzi wezandla kunye nomngcipheko wephutha ukhula kunye nomthamo. Ukukopa iibhalansi, iikhowudi zokuhlawula, kunye nemihla ukusuka kwiiPDF ukuya kwispredishithi okanye iifayile zetyala ziyaphindaphindwa kwaye zithande ukuchwetheza, ukuthelekisa iakhawunti engalunganga, kunye namanani aphelelwe lixesha. Xa inani elinye lingalunganga, izibalo ezisezantsi kunye nezindululo zinokungalunganga nazo. Kwimeko elawulwayo, ezo mpazamo zinokujongela phantsi ukuthenjwa komxumi kunye nophicothoiziphumo.
Okwesihlanu, njengoko imiqulu ikhula, iiPDF ziba lityala. Oko kusebenzele iqaqobana lamatyala ngenyanga ayilawuleki xa ulungisa amakhulu eengxelo. Ugcino, uguqulelo, kunye “yeyiphi ingxelo esiyisebenzisileyo kwesi sigqibo?” ibe ziingxaki ezinkulu. Okukhona idata ye-bureau ingcono, kokukhona ikhathaza ngakumbi xa loo datha itshixiwe ngaphakathi kwamaxwebhu amileyo kwaye ayinakusetyenziswa ngokucwangcisiweyo.
I-takeaway: i-bottleneck ayiqhelekanga umgangatho wedatha ye-Experian-yiyokuba idatha egqwesileyo ihanjiswa kwifomathi engaxhasi uhlalutyo olucwangcisiweyo, ukuthelekisa, okanye uphicotho. Ukujongana neso sikhewu sefomathi yinto evumela iifemu ukuba zisebenzise idatha ye-Experian ngokufanelekileyo kwisikali.
Ulwakhiwo lweDatha ye-Experian ukuze uSetyenzise okwenyani
Xa idatha ye-Experian (okanye enye i-bureau) icwangciswe-icazululwe kwiinkalo ezihambelanayo kwaye igcinwe kwinkqubo eqondayo i-akhawunti, imitya yokuhlawula, izigwebo, imibuzo, kunye namanqaku-ingxelo efanayo iba luhlobo olwahlukileyo lwe-asethi.
Idatha eyakhiweyo ikuvumela ukuba ufunde izikhombisi eziphambili ngoko nangoko. Endaweni yokuskrola kwiPDF, ubona ideshibhodi okanye 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.
Unokusebenzisa imithetho yesigqibo esingaguqukiyo kuzo zonke iimeko. Umzekelo: “iflegi ukuba iprofayile yentlawulo ibonisa iinyanga ezi-3+ ezilandelelanayo kwi-akhawunti kuyo nayiphi na i-akhawunti,” okanye “ungabandakanyi kunikezelo ukuba kukho isigwebo esingahlawulwanga kwiinyanga ezingama-24 ezidlulileyo.” Loo mithetho iqhuba ngendlela efanayo kuye wonke umxhasi, inciphisa ukungangqinelani kunye nokungakhethiukusuka kwingcaciso ye-ad hoc. Idatha yomthombo iseyi-Experian; indlela oyisebenzisa ngayo iyaphinda kwaye ikhuseleke.
Ungalandelela ukuvela kwetyala ngokuhamba kwexesha kumxhasi ngamnye. 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).
Unokuthethelela izigqibo ngokucacileyo ngexesha lophicotho. 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, esomeleza ukuthotyelwa kunye nokunciphisa ingozi yomthetho kunye negama.
Idatha yomthombo ayitshintshi: iseyingxelo yekhredithi ye-Experian. 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 ucazululo olucwangcisiweyo lwe-Experian luguqula idatha ye-bureau ibe yinzuzo yokwenene kwiingcali zekhredithi zaseMzantsi Afrika.
Ngubani ofuna uHlahlelo lwe-Experian olucwangcisiweyo
Uhlalutyo olucwangcisiweyo lwedatha ye-Experian (kunye nezinye i-bureau) ifanelekile kuyo nayiphi na ifemu esebenzisa iingxelo zekhredithi ngokuphindaphindiweyo kwaye ifuna ukuhambelana, isantya kunye nokuphicothwa.
Iifemu zokucebisa ngamatyala zilungisa iingxelo eziqhubekayo zovavanyo, uhlengahlengiso, 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 yobuchwephesha, engaguqukiyo. Idatha yengxelo ecwangcisiweyo ingena ngqo kulo msebenzi.
Ababoneleli ngetyala ukwenza izigqibo zokubolekisa kufuneka basebenzise imigaqo yomgaqo-nkqubo ngokungaguqukiyo, balandelele umngcipheko wepotfoliyo, kwaye banelise iimfuno zophicotho-zincwadi lwangaphakathi nolulawulayo. Xa idatha ye-bureau icwangcisiwe, ingqiqo yesigqibo ingasetyenziswa ngokufanayo kwaye icaciswe ngokucacileyo.
Amaqela ezigqibo zemali kwiibhanki, abathengisi, okanye ababolekisi beengcali abafuna ukulungelelana kubo bonke abavavanyi kunye nexesha lonke baxhamla kumbono omnye wedatha ye-bureau, kunye nemithetho kunye nembali kwindawo enye.
Ngamafutshane: nayiphi na ifemu eqhuba idatha yekhredithi ephindaphindiweyo ngevolumu-nokuba ivela kwi-Experian yodwa okanye i-Experian ecaleni kwe-Datanamix, TransUnion, okanye abanye-iya kubetha imida ye-PDF-based workflows. Abo baqulunqa idatha banokuyihlalutya ngokufanelekileyo, balinganise ngaphandle kwe-proportional overhead, kwaye bagcine izigqibo zikhuselekile kwaye zithobela.
Jonga indlela yokuhlalutya iiNgxelo zeTyala ngokufanelekileyo
Iingxelo zeentengo zemboleko zisisiseko sovavanyo lwetyala eMzantsi 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 idatha yeExperian ecwangcisiweyoisenzo: indlela izalathi ezingundoqo ezivezwa ngayo ngokukhawuleza, indlela izigqibo ezisetyenziswa ngayo ngokuqhubekayo, kunye nendlela iqela lakho elinokuthi lihlalutye ngayo iingxelo zekhredithi ngokufanelekileyo-ngaphandle kwe-bottleneck manual.