UkuQhutywa kweMboleko yeMali-mboleko kubathengi betyala eMzantsi Afrika
Isikhokelo sobuchwephesha kuhambo oluya ekupheleni ukuya esiphelweni lwemvelaphi yemboleko-mali kubathengisi bamatyala baseMzantsi Afrika, ukusuka ekuthathweni kwesikhokelo ngovavanyo lomngcipheko kunye nentlawulo.
Imvelaphi yemali-mboleko kubathengisi bamatyala eMzantsi Afrika iqala kunxibelelwano lokuqala ukuya kwintlawulo. Kwinqanaba ngalinye uthembele kwidatha yekhredithi, uvavanyo lomngcipheko, kunye namaxwebhu okuthotyelwa. Ii-brokers eziqhuba oku kumacandelo ahlukeneyo, iinkqubo zezandla ziyayihlawulela ngokujika okucothayo, izinga eliphezulu lokwaliwa, kunye nezikhewu zokuthotyelwa. Esi sikhokelo sihamba nge-anatomy ye-workflow, apho ngokuqhelekileyo igcina khona, yiyiphi loo ndleko, kunye nendlela yokuyimisa ngokukhawuleza kunye nokuhambelana - kugxininise kwi-teknoloji enokuyenza kwaye ayikwazi ukuyenza.
I-Anatomy yeMboleko yeMboleko yokuSebenza
Ukuqhutywa komsebenzi wokuvela kwemali-mboleko okupheleleyo kunezigaba ezisibhozo. Inqanaba ngalinye lidla okanye livelise idatha efunwa yinqanaba elilandelayo. Ukuqonda ulandelelwano kukunceda ubone apho ukulibaziseka kunye neempazamo zingena khona.
Ukubanjwa okukhokelayo kunye nokuhlolwa kokuqala. Umfaki-sicelo uyaqhagamshelana — ngewebhusayithi yakho, ukuthunyelwa, okanye umnxeba. Uthatha isazisi kunye neenkcukacha ezisisiseko: igama, isazisi, iinkcukacha zoqhagamshelwano, kunye nohlobo kunye nesixa semali esifunwayo. Uhluzo lokuqala luhluza iimeko ezingafanelekanga ngokucacileyo: uhlobo olungalunganga lwemveliso, ngaphantsi kweemfuno ezisezantsi, okanye uphindaphindo lwezicelo. Kweli nqanaba udinga ulwazi olwaneleyo lokugqiba ukuba uqhubeke nesicelo esipheleleyo kunye nokutsalwa kwe-bureau. Ukubanjwa okungaphelelanga okanye okungangqinelaniyo apha kudala ukuphinda kusetyenzwe kamva.
Utsalo lwengxelo ye-Credit Bureau. Nje ukuba umenzi-sicelo ephumelele uvavanyo lokuqala, utsala ingxelo yekhredithi enye okanye ngaphezulu. EMzantsi Afrika usebenzisa i-Experian, TransUnion, Datanamix, okanye indibaniselwano. Ingxelo ibonelela ngemigca yorhwebo, indlela yokuziphatha kwentlawulo, izigwebo, ukusilela, imibuzo, kwaye amaxesha amaninzi amanqaku okanye umngciphekoisalathisi. Ukuze ufumane imbono ecwangcisiweyo yendlela yokutolika iziphumo zeofisi, bona isikhokelo sethu ku ifundwa njani ingxelo yetyala eMzantsi Afrika. Xa utsala kwii-ofisi ezininzi, ukuthelekisa kunye nokudibanisa idatha kubalulekile; Inqaku lethu Uthelekiso lweziko lamatyala eMzantsi Afrika lichaza umahluko kwidatha kunye nesiqulatho sengxelo. I-bureau idonsa inqaku lokuqala apho idatha ecwangcisiweyo ibaluleke kakhulu: iiPDF eluhlaza kunzima ukuthelekisa kwaye zicotha ukuvavanya umthamo.
Uvavanyo lwetyala kunye namanqaku. Uyivavanya ingxelo ngokuchasene neyakho kunye nekhrayitheriya yababolekisi bakho. Oko kubandakanya imbali yentlawulo, uluhlu olubi, ukusetyenziswa, kunye nawo nawaphi na amanqaku angaphakathi okanye umthetho oseti. Isiphumo yimbono yomngcipheko wetyala kunye nokuba umfaki-sicelo uyahlangabezana na nemigangatho emincinci. Ukutolikwa okungahambelaniyo kumalungu eqela kukhokelela ekubeni umfaki-sicelo omnye aphathwe ngokwahlukileyo kuxhomekeke ekubeni ngubani ophonononga ifayile. Iikhrayitheriya zovavanyo olusemgangathweni kunye nembono enye yezalathi eziphambili zinciphisa loo mahluko.
Ukuhlolwa kokufikeleleka. Phantsi koMthetho weSizwe weTyala kufuneka wenze uhlolo lokufikeleleka phambi kokuba unike okanye wenze amalungiselelo etyala. Udibanisa idatha ye-bureau kunye nengeniso echaziweyo kunye neendleko zokuqinisekisa ukuba umfaki-sicelo unakho ukuhlawula isibophelelo esicetywayo. Ukuqinisekiswa kwengeniso engaphelelanga okanye inkcitho yedatha elahlekileyo inyanzelisa ukusebenza kwakhona kwaye inokulibazisa okanye iphazamise isicelo. Iziphumo zokufikeleleka zidibanisa umbolekisi kunye nesigqibo sokugqibela.
Ukuthelekisa umbolekisi kunye nokungeniswa. Uthelekisa umenzi-sicelo nombolekisi omnye okanye abaninzi abanomdla wokutya ulingana neprofayile yekhredithi kunye nokufikeleleka. Umbolekisi ngamnye uneemfuno ezithile zokungeniswa: amaxwebhu, iifom, kunye nemimandla yedatha. Uyaqokelelaiphakheji kwaye ungenise. Ukungeniswa okungaphelelanga okanye okungachanekanga kuyimbangela ephambili ye-back-and-out: ababolekisi bacela ulwazi olulahlekileyo, kwaye isicelo sihlala emgceni de umthengisi aphendule. Uluhlu lokutshekisha olulungelelaniswe kwiimfuno zomboleki ngamnye lunciphisa ukuhanjiswa kwakhona kunye nesantya sokuvunywa.
Ukuvunywa, ukwaliwa, okanye unikezelo oluchaseneyo. Umbolekisi uphendula ngemvume (mhlawumbi inemiqathango), ukwaliwa, okanye unikezelo oluchaseneyo. Unxibelelana nesiphumo kumfaki-sicelo kwaye, ukuba kufanelekile, ubambe nayiphi na imiqathango okanye imigaqo ehlaziyiweyo. Ukulibaziseka ekunxibelelaneni neziphumo kulimaza uguquko kunye nokwaneliseka kwabaxumi. Umbono omnye wesimo sesicelo kukunceda ulandelele ukuba imeko nganye ihlala phi kwaye ulandele ngexesha.
Amaxwebhu kunye nembuyekezo. Kumatyala avunyiweyo uqokelela nawaphi na amaxwebhu angekahlawulwa, zalisa iifom ezijongene nombolekisi, kwaye uxhase inkqubo yokuhlawula. Imisayino, amaxwebhu eFICA, kunye neetshekhi zokugqibela ziqhelekile. Amaxwebhu angekhoyo okanye angachanekanga kweli nqanaba alibazisa ukwehla kwaye anokubangela ukuba isithembiso siphelelwe. Uluhlu olucacileyo lwamaxwebhu kunye nerekhodi yezinto ezifunyenweyo zinciphisa izithuba zomzuzu wokugqibela.
Ukugcinwa kweerekhodi emva kokukhutshwa kwentlawulo. Emva kwentlawulo ugcina ifayile yesicelo, iingxelo zekhredithi, uvavanyo lokufikeleleka, kunye nembalelwano ngokuhambelana neemfuno ze-NCR neNCA. Ukugcinwa kakubi kweerekhodi kwandisa umngcipheko wokuthotyelwa kwaye kwenza kube nzima ukuphendula kwiingxabano okanye uphicotho. Inqanaba ngalinye lokuhamba komsebenzi kufuneka libhalwe ukuze ukwazi ukubonisa ukuba kwenziwa ntoni, nini, kwaye ngesiphi isiseko.
Apho i-Broker Workflows Ngokuqhelekileyo ihleli
Abarhwebi bayaziizigaba; ingxaki kukufezekiswa. Iingxaki ezininzi ziyaphinda.
Ukutshintsha phakathi kweephothali zeofisi. Ukuba utsala kwi-Experian, Datanamix, kunye neTransUnion ngokwahlukeneyo, ungena kwiisistim ezintathu, ukhuphele iingxelo ezintathu, uze emva koko ulungelelanise uyilo kunye nomxholo. Ukutshintsha umxholo kutshisa ixesha kwaye kwandisa ithuba lokutsala ingxelo engalunganga okanye ukulahleka kwe-bureau xa kufuneka i-multi-bureau view. Ukruthakruthwano luyanda xa amalungu eqela ahlukeneyo esebenzisa amaziko ahlukeneyo okanye xa kungekho ndawo inye yokubona yonke idatha yeofisi yomfaki-sicelo.
Ukutolika ngesandla iingxelo zePDF. Xa idatha yekhredithi ifika kuphela njengeePDF, lonke uhlolo lwenziwa ngesandla. Uvula ifayile, uskene imbali yentlawulo, izigwebo, ukungagqibeki, kunye nokusetyenziswa, emva koko usebenzise imodeli yakho yengqondo yemilinganiselo yombolekisi. Loo modeli iyahluka ngokomntu nangomhla. Omnye umvavanyi unokujolisa kwindlela yokuziphatha yamva nje; omnye unobunzima obungagqibekanga bembali kakhulu. Umfaki-sicelo ofanayo unokufumana unyango olwahlukileyo. Utoliko lwezandla luphinda lucothise i-output: awukwazi ukukhawuleza uthelekise uninzi lwabafaki-zicelo kwiikhrayitheriya ezifanayo kuba idatha ibanjelwe kumaxwebhu.
Iikhrayitheriya zovavanyo ezingangqinelaniyo kwiqela lonke. Ngaphandle kwemigaqo ekwabelwana ngayo, ecacileyo, umthengisi ngamnye okanye umvavanyi usebenzisa ingcaciso yakhe. Umntu angala ngenxa yokusilela okutsha nje; omnye unokwamkela ngeleta ecacisayo. Iikhrayitheriya ezingahambelaniyo zikhokelela kwiziphumo ezingalindelekanga, amazinga aphezulu okukhatywa apho ukuhanjiswa ahambelani nokulindela umbolekisi, kunye nobunzima bokucacisa izigqibo kubafaki-zicelo okanye abaphicothi-zincwadi. Ukulinganisaukuba “ukupasa” kunye “nokusilela” kuthetha ukuthini kwizalathi ezingundoqo yimfuneko yesantya nobulungisa.
Iimpendulo ezilibazisekayo zababolekisi-mali ngenxa yokuba ungeniso aluphelelanga. Ababolekisi bazibuyisela izicelo xa amaxwebhu afunekayo okanye iinkcukacha zilahlekile. Uhambo ngalunye lokuya nokubuya longeza iintsuku. Umrhwebi kufuneka aphinde adibanise nomfaki-sicelo, aqokelele ulwazi, kwaye athumele kwakhona. Okwangoku umfaki-sicelo unokuya kwenye indawo okanye isithembiso singaphelelwa. Ukungeniswa okungaphelelanga kudla ngokusilela kwenkqubo: akukho luhlu lokutshekisha, akukho siqinisekiso phambi kokungeniswa, okanye akukho ndawo enye yokuqinisekisa ukuba yonke imfuno yombolekisi iphunyeziwe.
Izicelo ezilahlekileyo kwimisonto ye-imeyile. Xa izicelo kunye nohlaziyo lobume luhlala kwi-imeyile, kulula ukuphulukana nomkhondo weziphi iimeko ezisalindileyo, ezifuna ukulandelelwa, kunye nokuba bekuvunyelwene ngantoni. Amaxwebhu abalulekileyo okanye iimpendulo zababolekisi zihlala kwii-inbox. Akukho mbono omnye wombhobho. Abarhwebi bachitha ixesha lokukhangela umxholo kwaye abafaki zicelo bafumana unxibelelwano olungaguqukiyo okanye ukulibaziseka. Ukufaka isicelo kwindawo enye kwirekhodi enye enemo ecacileyo kunciphisa umsebenzi olahlekileyo kwaye kuphuculwe inguqu.
Iindleko zoHambo lokuhamba
Impembelelo yale miqobo inokulinganiswa ngexesha, ukuguqulwa, kunye nomngcipheko.
Ixesha elide lokuthathwa kwezigqibo kuthetha ukuba abafaki-zicelo balahlekileyo. Abafaki-zicelo abalinda ixesha elide kakhulu ukuba isiphumo bacinge ukuba inkqubo ithe tyaba okanye yaliwe. Baqhagamshelana nabanye abathengisi okanye ababolekisi. Yonke imihla eyongezelelweyo kumbhobho yongeza ukwehla. Abarhwebi abanciphisa ixesha ukusuka kunxibelelwano lokuqala ukuya ekuvunyweni okucacileyo / ukuchasa / i-counter-offer bagcina abafaki-zicelo abaninzi kwaye bavale amaxabiso amaninzi. Isantya yinzuzo yokhuphiswanoxa imveliso kunye nexabiso ziyafana.
Uvavanyo olungangqinelani lukhokelela kumazinga aphezulu okwala. Xa iinqobo zokugweba zisetyenziswa ngokungalinganiyo, ungenisa abafaki-zicelo abangawufikeleliyo umnqweno wokwenene wombolekisi. Ababolekisi bayalandula. Ukwala okanye ubajongela phantsi abafaki-zicelo ebebeza kuvunywa phantsi komgaqo ongaguqukiyo oseti. Omabini la macala abuhlungu: ukungeniswa ngokungeyomfuneko kukumosha umbolekisi kwaye konakalise ukuma kwakho; ukwala ngokungeyomfuneko inkcitho yombhobho wakho kwaye iyabakhathaza abafaki-zicelo. Ukuhlola umgangatho kunciphisa zombini iindidi zeempazamo.
Ungeniso olungaphelelanga ludala umva naphambili nababolekisi. Umjikelo ngamnye wokungenisa kwakhona wongeza iindleko: ixesha labasebenzi, ukulibaziseka kwentlawulo, kunye nomngcipheko wokuba umenzi-sicelo okanye isithembiso siphelelwe. Ababolekisi abafumana iipakethe ezicocekileyo, ezipheleleyo banokuzijika ngokukhawuleza. Abarhwebi abathumela iipakethi ezipheleleyo okokuqala bazakhela udumo lomgangatho kwaye bafumane inkonzo engcono ngembuyekezo. Iindleko zokukhuhlana azikho ngaphakathi kuphela; ibonakala kubudlelwane bomboleki kunye nakumlinganiselo wezicelo ezingenisiweyo eziguqukayo.
Ukugcinwa kakubi kweerekhodi kwandisa umngcipheko wokuthotyelwa. I-NCR kunye ne-NCA zilindele ukuba ii-brokers zigcine kwaye zivelise iirekhodi zezicelo, zovavanyo kunye nonxibelelwano. Ukuba iifayile zithe saa kwi-imeyile kunye nephepha, okanye ukuba amanyathelo angundoqo awabhalwanga, uyasokola ukubonisa ukuba ukufikeleleka kwavavanywa, imvume yafunyanwa, okanye ukuba izigqibo zenziwe ngokuhambelanayo. Ukusilela ekuthotyelweni kunokubangela ukohlwaywa, ukonakaliswa kwesidima, kunye nokulahleka kogunyaziso. Iindleko zokulungisa ukugcinwa kwerekhodi emva kokuba inyaniso iphezulu; isakhiwoUkungena kwindlela yokusebenza ukusuka ekuqaleni kungabizi kakhulu kwaye kukhuselekile.
Ukuqulunqwa koMsebenzi we-Speed and Consistency
Abarhwebi banokuphucula iziphumo ngokuqinisa inqanaba ngalinye kunye ne-handoffs phakathi kwabo.
Ufikelelo lwedatha kwiziko elikumbindi. Tsala iingxelo kwindawo enye yokusebenzela apho kunokwenzeka, okanye ubuncinci uqinisekise ukuba yonke idatha yeofisi yomfaki-sicelo inxulunyaniswa nefayile yetyala enye. Oko kunciphisa umxholo-ukutshintsha kwaye iqinisekisa ukuba wonke umntu osebenza kwisicelo ubona umfanekiso wekhredithi ofanayo. Xa usebenzisa iiofisi ezininzi, ukulinganisa idatha kwifomathi enokuthelekiseka kwenza kube lula ukuhlola kunye nokucacisa ukuba yeyiphi iofisi esetyenzisiweyo kwaye ngoba.
Iikhrayitheriya zovavanyo olusemgangathweni. Chaza imigaqo ecacileyo yekhredithi kunye nokufikeleleka: amanqaku aphantsi okanye ibhendi yamanqaku, ukunyangwa kwezigwebo kunye nokusilela, imida yemali yengeniso, kunye naluphi na ugqweso oluthe ngqo lombolekisi. Bhala le migaqo kwaye uyisebenzise ngendlela efanayo kumfaki-sicelo ngamnye. Oko kunciphisa ukuguquguquka, kuphucula umgangatho wokungeniswa, kwaye kwenza kube lula ukuqeqesha abasebenzi abatsha kunye nokukhusela izigqibo kuphicotho.
Yenza uluhlu lokukhangela iimfuno zokungeniswa kombolekisi. Kumbolekisi ngamnye oyisebenzisayo, gcina uluhlu lokutshekisha lwamaxwebhu afunekayo kunye nemimandla yedatha. Ngaphambi kokuthumela, qinisekisa ukuba yonke into ikhona kwaye ichanekile. Itshekhi elula yokungeniswa kwangaphambili inciphisa ukuthunyelwa kwakhona kunye nesantya sokuphendula umbolekisi. Hlaziya uluhlu lokutshekisha xa ababolekisi betshintsha iimfuno.
Yakha imbonakalo enye yesicelo ngasinye. Imeko nganye kufuneka ibe nendawo enye apho kuhlala khona isimo, amaxwebhu, idatha ye-bureau, kunye namanqaku ahlala khona. Loo mbono kufuneka ibonise ukuba isicelo sikuliphi inqanaba, yintoni engekhoyo, kunyeyintoni intshukumo elandelayo. Abarhwebi kunye nabasebenzi benkxaso banokubeka phambili phambili kwaye balandele ngaphandle kokumba nge-imeyile okanye iinkqubo ezininzi. Umbono omnye ukwaxhasa iindlela zophicotho-zincwadi: ngubani owenze ntoni, nini, kwaye phantsi kwesiphi isiseko.
Qinisekisa ukuba inyathelo ngalinye libhaliwe. Ukususela ekuthathweni kwesikhokelo ukuya kwintlawulo nentlawulo, bhala phantsi isiphumo senqanaba ngalinye. Oko kubandakanya imvume yokutsalwa kwe-bureau, isiphumo sovavanyo lokufikeleleka, imihla yokungeniswa, iimpendulo zababolekisi, kunye nayo nayiphi na imiqathango okanye ukwaliwa. Amaxwebhu akufuneki abe nzima; kufuneka ihambelane kwaye ifumaneke. Xa inyathelo ngalinye libhaliwe, ukuthotyelwa kuba yimveliso yendlela yokusebenza endaweni yomsebenzi owahlukileyo.
Indlela iTekhnoloji eyixhasa ngayo iMvelaphi yeMali-mboleko
Uvavanyo lwetyala kunye neteknoloji yokuhamba komsebenzi inokuxhasa isigaba ngasinye ngaphandle kokuthatha indawo yesigwebo somthengisi. Ixabiso lisekuqulunqweni kwedatha, ukusebenzisa imithetho ngokuqhubekayo, kunye nokugcina irekhodi elicacileyo.
Idatha ye-bureau ehleliweyo evela kwimithombo emininzi. I-Software engenisa iingxelo ezivela kwi-Experian, i-Datanamix, i-TransUnion, okanye enye i-bureaux kunye ne-normalises imimandla engundoqo ibe yi-uniform structure isusa isidingo sokufunda i-PDF nganye ukusuka ekuqaleni. Ubona izibonakaliso ezifanayo - isimo se-akhawunti, imbali yokuhlawula, uluhlu olubi, ukusetyenziswa - kwisakhiwo esifanayo kungakhathaliseki i-bureau. Oko kukhawulezisa i-triage kunye nokuthelekisa kwaye kwenza kube lula ukusebenzisa imithetho ngokuzenzekelayo. Idatha esisiseko isaphuma kwi-bureaux; isixhobo siyenza isebenziseke kwivolumu.
Automated pre-qualification rules. Ungayichaza imigaqo efana “neflegi ukuba isigwebo kwiinyanga ezingama-24 ezidlulileyo” okanye “ngaphandle kokubaityala-kwingeniso lidlula X” kwaye liziqhube ngokuchasene nedatha ecwangcisiweyo.Izicelo ezingaphumeleliyo kwisiqinisekiso sangaphambili zinokuthathelwa ingqalelo okanye zaliwe kwangethuba, ukuze iinzame zovavanyo olupheleleyo ziye kwiimeko ezinokwenzeka.Imithetho ingabonisa eyakho ipolisi kwaye, apho iyaziwa, iminqweno yombolekisi.Isiphumo kukusetyenziswa okungaguquguqukiyo kwekhrayitheriya kunye nokuxhomekeka okuncinci kwingcaciso yethutyana.
Iimbono zovavanyo olusemgangathweni. Isikrini esinye okanye ingxelo eshwankathela umngcipheko wetyala kunye nokufikeleleka komfaki-sicelo ngamnye ivumela abavavanyi ukuba basebenze ngendlela efanayo. Oko kunciphisa ukuguquguquka kunye nesantya soqeqesho. Xa umbono ubotshelelwe kwifayile yetyala, ikhonkco phakathi kwedatha kunye nesigqibo sicacile kuphicotho-zincwadi kunye nokucacisa iziphumo kubafaki-zicelo.
*Iindlela zophicotho. Oko kuxhasa ulindelo lwe-NCR kunye ne-NCA kwaye kukunceda ukuba ubonise ukuba ukufikeleleka kuye kwavavanywa kwaye izigqibo zenziwe ngokufana.
Ukudityaniswa neenkqubo ezisezantsi. Apho kufanelekileyo, itekhnoloji inokunxibelelana neeCRM, ukugcinwa kwamaxwebhu, okanye iiphothali zababolekisi ukuze idatha kunye namaxwebhu ahambe ngaphandle kokuphinda kufakwe isitshixo. Udibaniso alusoloko luyimfuneko kwisigaba ngasinye, kodwa lunokunciphisa ukuphindaphinda kwaye lugcine umbono omnye wesicelo usexesheni. Eyona nto iphambili kukuba imvelaphi yomsebenzi inesakhiwo esicacileyo kwaye amanyathelo abalulekileyo abhalwe; ukuhlanganiswa kunokwandisa eso sakhiwo kulo lonke uqheliselo.
Itekhnoloji ayithathi indawo yendima yomthengisi kumthengiuqhagamshelwano, ubudlelwane bomboleki, okanye isigwebo sokugqibela. Ixhasa imvelaphi yemali-mboleko ngokuguqula iziphumo zeofisi kunye nemithetho yangaphakathi ibe ngamagalelo angaguqukiyo, aphinda-phindayo xa kuthatyathwa izigqibo kunye nokugcina ingxelo ecacileyo yoko kwenziweyo. Ukuze ufumane imbono ebanzi malunga nendlela isoftware yomthengisi engena kwisenzo soMzantsi Afrika, bona inqaku lethu ku isoftware ye-credit broker yaseMzantsi Afrika.
Lungelelanisa ukuhamba kwakho kweMboleko-mali
Imvelaphi yemboleko kubathengisi bamatyala eMzantsi Afrika iya kuhlala ibandakanya izigaba ezininzi kunye nemithombo yedatha emininzi. Umahluko phakathi kokuhamba komsebenzi omisayo kunye nomnye oqhubayo sisakhiwo: idatha yekhredithi ephakathi, uvavanyo olusemgangathweni, uluhlu olucacileyo lokungeniswa, imbono enye yesicelo ngasinye, kunye namanyathelo abhaliweyo. Itekhnoloji ebonelela ngedatha ye-bureau ecwangcisiweyo kunye nenkxaso yokuhamba komsebenzi inokunciphisa ixesha lokuthatha isigqibo, iphucule umgangatho wokungeniswa, kwaye iqinise ukuthotyelwa - ngaphandle kokutshintsha ubuchule bomthengisi.
Ukuba ufuna ukubona ukuba idatha yetyala ecwangcisiweyo kunye nokuhamba komsebenzi kunceda abathengisi baqhube izicelo ngokukhawuleza nangokuqhubekayo, dibana no. I-EvalFin isebenza nabarhwebi bamatyala kunye namaqela avela kwimali-mboleko eMzantsi Afrika ukuguqula iingxelo zeofisi kunye nemithetho yovavanyo ibe yinkqubo ephindaphindwayo, enokuphicothwa.