Ungayikhetha Kanjani Isoftware Yokuhlola Izikweletu eNingizimu Afrika

Ukukhetha isofthiwe yokuhlola izikweletu eNingizimu Afrika kuyisinqumo esibalulekile. Imakethe isebenzela ochwepheshe abahlukahlukene - ababolekisi abaNCAne, amabhange, abadayisi bezikweletu, kanye nabeluleki bezikweletu - ngamunye unokugeleza komsebenzi okuhlukile kodwa izidingo ezigqagqene. Ukukhetha okufanele kuncike ekuqondeni ukuthi yini ebaluleke kakhulu ekusebenzeni kwakho: ukuhlanganiswa kwehhovisi, izici zokuthobela, ukulingana kokuhamba komsebenzi, noma ukukala. Ithuluzi elifanele umbolekisi onevolumu ephezulu lingase libe namandla ngokweqile enkambisweni encane yokwelulekwa ngezikweletu; umkhiqizo ogxile kumdayiseli ungase untule ukujula kokucwaninga okudingwa ngumbolekisi ogunyaziwe. Lo mhlahlandlela uhamba kulokho okufanele uhlole nokuthi kungani, futhi ukukhomba ezihlokweni eziqondene nendima ethile ukuze ujule uma usunciphise indaba yakho yokusebenzisa.

Kungani Ochwepheshe Bezikweletu Bedlulela Ngalé Kwezinqubo ezenziwa Mathupha

Kuwo wonke umkhakha, izinqubo ezenziwa ngezandla zingaphansi kwengcindezi. Amavolumu ezicelo ayenyuka, i-National Credit Regulator (NCR) iphoqelela Umthetho Wezikweletu Kazwelonke eduze, futhi amakhasimende alindele imiphumela esheshayo. Imibiko yezikweletu ze-PDF namaspredishithi awakaze akhelwe ukugeleza komsebenzi okunevolumu ephezulu, okulungele ukuhlolwa. Baphoqa abasebenzi ukuthi bangene kumaphothali amaningi ehhovisi, bahumushe idatha engahlelekile ngesandla, futhi bagcine amarekhodi ngezindlela ezenza kube nzima ukulandeleka. Umphumela uba izinqumo ezihamba kancane, ukuhlola okungahambisani, kanye nengozi yokuthobela imithetho.

Abahlinzeki bezikweletu bazizwa becindezelekile lapho izikhulu ezibolekisa ngemali zichitha amahora amaningi zishintshana phakathi kwamasayithi e-bureau futhi ziphinda zikhiphe izibalo zibe izifanekiso. Abathengi balahlekelwa amadili uma ukufaneleka kwangaphambili kwenzeka sekwephuzile kakhulu ohlelweni. Abeluleki bezikweletu bayazabalaza ukugcina amafayela wamacala kanye nemibhalo ye-NCR ngendlelaama-caseloads ayakhula. Esimeni ngasinye, umgoqo uyafana: idatha efika ikwifomu yedokhumenti kunokuba njengolwazi oluhlelekile, oluqhathanisekayo. Kungakhathaliseki ukuthi ungumhlinzeki wesikweletu, umdayisi, noma umeluleki wezikweletu, ukushintshela kudatha ehlelekile namathuluzi akhelwe inhloso kuqhutshwa amaqiniso afanayo - umthamo owengeziwe, umthetho oqinile, kanye nesidingo sokubonisa ukuthi izinqumo zenziwe kanjani.

Okufanele Ukwenze Isoftware Yokuhlola Isikweletu

Amakhono abalulekile abalulekile kungakhathaliseki indima yakho. Okulandelayo yizici eziyisisekelo okufanele uzilindele kunoma yisiphi isisombululo esibucayi sokuhlola isikweletu.

Ukuhlanganiswa kwehhovisi. Isofthiwe kufanele ixhume kuma-credit bureaux aseNingizimu Afrika - i-Experian, i-Datanamix, i-TransUnion, i-XDS, i-Compuscan — ukuze imibiko icele futhi ilandwe ngaphakathi kwenkundla. Ukwesekwa kwamahhovisi amaningi kukuvumela ukuthi uqhathanise idatha noma uhlangabezane nezidingo zombolekisi kanye nemithetho ecacisa ukuthi yimaphi amahhovisi okufanele uwasebenzise. Ngaphandle kokuhlanganiswa okuqondile, usadonsa imibiko mathupha kumaphothali wehhovisi futhi uyayilayisha; lokho akususi ibhodlela. Hlola ukuthi umthengisi usekela yonke i-bureau oyisebenzisayo namuhla noma uhlela ukuyisebenzisa, nokuthi ukuxhumana okusha kwehhovisi kungangezwa ngaphandle koshintsho oluphelele lwesistimu.

Idatha yombiko ehlelekile. Okukhiphayo kwehhovisi elingahluziwe kuklanyelwe ukufundwa kwabantu. Ama-software amahle ahlaziya kanye nezakhiwo leyo datha ukuze ama-akhawunti, ukuziphatha kokukhokha, amabhalansi, ulwazi olubi, nezilinganiso eziyinhloko kutholakale njengezinkambu ezingaguquki, eziseshekayo. Leso sakhiwo siyisisekelo ufunda futhi usebenzise kanjani imibiko yezikweletu ngendlela ephindaphindwayo — ukubuka okufanayo kwawo wonke umfakisicelo noma iklayenti,kungakhathalekile ukuthi iyiphi i-bureau enikeze umbiko. Ukuvumelana lapha yikho okwenza ukuqhathanisa nokuhlola okusekelwe emithethweni kwenzeke.

Ukukwazi ukuthenga nokuhlola ubungozi. Ithuluzi kufanele lisekele izibalo zokukwazi ukukhokhela nezinkomba zobungozi ezihambisana Izidingo zokufinyeleleka kwe-NCA nenqubomgomo yakho. Izilinganiso zesikweletu semali engenayo, izilinganiso zesitolimende nezimali ezingenayo, kanye namamethrikhi afanayo kufanele kubalwe futhi kuboniswe ngendlela evamile ukuze abahloli bahlole wonke umuntu ngokusebenzisa imibandela efanayo. Lapho inqubomgomo yakho isebenzisa imithetho yangokwezifiso noma amakhadi esikolo, isofthiwe kufanele ikuvumele ukuthi uwalungiselele kunokuphoqelela imodeli yosayizi owodwa olingana konke.

Imikhondo yocwaningo. Sonke isenzo esibalulekile - ukudonswa kombiko, isinyathelo sokuhlola, isinqumo - kufanele sigxivizwe isikhathi futhi kuthiwe senziwe. Hlola izindlela zokuhlola izikweletu zibalulekile emibuzweni yomlawuli, ukubuyekezwa kwangaphakathi, nokuvikela izinqumo. Isofthiwe engarekhodi ukuthi ubani owenze futhi nini ekushiya obala. Cela isampula yelogi yokuhlola noma thekelisa ukuze ubone kahle ukuthi yini ethwetshuliwe nokuthi izokwanelisa yini ithimba lakho lokuthobela noma i-NCR.

Ukufinyelela okusekelwe endimeni. Idatha ebucayi yekhredithi kufanele ikhawulelwe kubasebenzisi abagunyaziwe. Uhlelo kufanele luphoqelele izimvume ukuze kube yizisebenzi ezifanele kuphela ezingadonsa imibiko, zibuke idatha egcwele, noma ziguqule ukucushwa. Lokho kusekela ukuphathwa kwedatha kanye nokuphathwa kolwazi lomuntu siqu oluqondaniswe ne-POPIA. Lapho izindima zishintsha noma izisebenzi zihamba, kufanele ukwazi ukuhoxisa noma ulungise ukufinyelela ngaphandle kokuphinda uklame isistimu.

Isitoreji nokubuyiswa. Imibiko nezinqumo kufanele zigcinwe endaweni eyodwa futhi zibuyiswe ngohlelo lokusebenza noma iklayenti. Lapho i-NCRnoma umcwaningi mabhuku ecela ubufakazi, udinga ukukhiqiza umbiko oqondile kanye nerekhodi lesinqumo ngaphandle kokusesha ngama-imeyili noma amadrayivu abiwayo. Ikhosombe elilodwa liphinde lisekele ukuhlaziywa kwethrendi, ukuqinisekiswa kwekhwalithi, kanye nokunikezelwa okungaguquki lapho abasebenzi beshintsha noma amacala abelwe kabusha.

Ukulinganisa Isoftware Ngokusebenzisa Ikesi

Okubalulekile kwakho kuncike ekutheni ungumhlinzeki wezikweletu, umthengisi, noma umeluleki ngezikweletu. Bobathathu badinga ukuhlanganiswa kwehhovisi okuqinile kanye nezisekelo zokuthobela; ngaphezu kwalokho, ukugcizelela kuyashintsha. Sebenzisa okulandelayo ukuze unciphise ongakubuka nokuthi yiziphi izindatshana zomkhiqizo ongazifunda ngendima yakho.

Kwabahlinzeki Bezikweletu Nababolekisi Abancane

Abahlinzeki bezikweletu nababolekisi abancane badinga isofthiwe esekela izinqumo zokuboleka esikalini. Okubalulekile kuhlanganisa imithetho elungisekayo yokuboleka, ukubala ukukwazi ukuthengeka okuhambisana ne-NCA, nokuhlanganiswa nomsuka wemalimboleko noma amasistimu amabhange ayinhloko. Udinga ukuhlola okuhleliwe kokuthi Izidingo zokufinyeleleka kwe-NCA kanye nokulungela isilawuli izindlela zokucwaningwa kwamabhuku. Ithuluzi elilungile likuvumela ukuthi uchaze imibandela kanye, uyisebenzise ngokungaguquki, futhi ubhale phansi zonke izinqumo ngendlela evumelana nokucutshungulwa. Abahloli kufanele babone umbono ofanayo wedatha yehhovisi kanye nemithetho efanayo esetshenziswa kuzo zonke izinhlelo zokusebenza, ukunciphisa ukuhlukahluka kanye nokusekela imiphumela efanelekile, evikelekayo. Ukuze uthole ukubheka kabanzi ukuthi iyiphi isofthiwe yomhlinzeki wesikweletu okufanele ilethe, bheka umhlahlandlela wethu ku- isofthiwe yomhlinzeki wezikweletu eNingizimu Afrika kanye isofthiwe yokuhlola isikweletu se-micro-lender.

Yabathengi Bezikweletu

Abathengi baphila ngesivinini nangepayipi. Okubaluleke kakhulu ukuthi ungabafaka ngokushesha kangakanani abafakizicelo, uqhathanise idatha kuwo wonke ama-bureau, uqondanise amakhasimende nababolekisi, futhi ulawule imininingwane yakho.iphayiphi. I-Software eyakha idatha ye-bureau futhi isebenzisa imithetho yokufaneleka kwangaphambili ikusiza ukuthi ugxile kubafakisicelo abanethuba elingokoqobo lokugunyazwa futhi ugweme ukutshala isikhathi ezimweni ezizohluleka kumabolekisi. Ukuqhathaniswa kwamahhovisi amaningi endaweni eyodwa yokusebenzela kunciphisa ukushintsha komongo futhi kusheshise ukulinganisa. Ikhono lokuhlunga noma ukukala abafakisicelo ngezinkomba ezibalulekile (isb. akukho okuzenzakalelayo kwakamuva, ukusetshenziswa ngaphakathi kwebanga) liphendula umbiko ube ithuluzi lesinqumo esikhundleni sedokhumenti okufanele uyifunde kusukela ekuqaleni isikhathi ngasinye. Ukuze uthole umbono ogxilile wezidingo eziqondene nomthengisi, bona isofthiwe yomthengisi wezikweletu eNingizimu Afrika.

Kwabeluleki ngezezikweletu

Amafemu ezeluleko ezikweletini adinga ukuphathwa kwamacala, ukwesekwa kochungechunge lwamadokhumenti (Ifomu 16, 17.1, 17.2, 17.3), kanye nokuhlolwa kokuba nezikweletu ngokweqile okuhlobene nedatha yekhredithi ehlelekile. Ukulungela ukucwaningwa kwamabhuku e-NCR kubalulekile: uhlelo kufanele luxhumanise isincomo ngasinye embikweni oyisisekelo kanye nezibalo, nezitembu zesikhathi ezicacile kanye nencazelo yomsebenzisi. Isofthiwe ephatha imibiko yezikweletu nezinqumo zamacala njengezinto ezisezingeni lokuqala - hhayi njengezinanyathiselwa ku-CRM ejwayelekile - isekela indlela yokusebenza engashintshi kanye nezeluleko ezivikelekayo. Lapho i-NCR noma iklayenti libuza izincomo, udinga ukukhombisa ukuthi iyiphi idatha esetshenzisiwe nokuthi isiphetho sifinyelelwe kanjani; isofthiwe yokweluleka ngezikweletu eyakhelwe inhloso yakhelwe lolo chungechunge lobufakazi. Ukuze uthole okwengeziwe ngokuthi yini ongayibheka kulesi sikhala, bona isofthiwe yokwelulekwa ngezikweletu yamafemu aseNingizimu Afrika.

Imibuzo Ebalulekile Ongayibuza Ngaphambi Kokuthenga

Ngaphambi kokuzibophezela, sebenzisa uhlu lokuhlola olusebenzayo. Izimpendulo zizokusiza ukuthi uqhathanise abathengisi ngemibandela efanayo futhi ugweme ukuthola izikhala ngemva kokuthi ususayinile.

-Isekela yiphi ihhovisi? Qinisekisa i-Experian, Datanamix, TransUnion, nanoma imaphi amanye owasebenzisayo noma ohlela ukuwasebenzisa. Buza ukuthi ingabe idatha yenziwe yajwayelekile ukuze ibukeke kanye noma ishiywe kumafomethi aqondene ne-bureau.

Ngingakwazi yini ukumisa eyami imithetho yokuhlola? Imibandela yokuboleka, imikhawulo yokukwazi ukukhokhela, nemithetho yokufaneleka kwangaphambilini kufanele ilungiseke ukuze ifane nenqubomgomo yakho, hhayi amakhodi aqinile.
Ingabe ikhiqiza amarekhodi alungele ukuhlolwa? Buza ukuthi umbiko udonsa, ukuhlola, nezinqumo zifakwa kanjani. Ungakwazi yini ukukhombisa ukuthi ubani owenze ini, nini, futhi ngayiphi idatha?
Ikusingatha kanjani ukufinyelela okusekelwe endimeni? Qonda ukuthi izimvume zisethwa kanjani (ngendima, ngomsebenzisi, noma kokubili) nokuthi ingabe zihambisana nendlela iqembu lakho elisebenza ngayo.
Ingakwazi yini ukuhlanganisa nezinhlelo zami ezikhona? Uma usebenzisa i-CRM, inkundla yokuqalisa imalimboleko, noma uhlelo lokuphatha amacala, buza ngama-API, ukuthunyelwa ngaphandle, noma ukuhlanganiswa ukuze idatha nezinqumo zigeleze lapho usuvele usebenza khona. I-onboarding nokuhlanganiswa ukucatshangelwa kubalulekile ekukhishweni.
Kubukeka kanjani ukugibela? Cacisa umugqa wesikhathi wokusebenzisa, ukuqeqeshwa, ukuthuthwa kwedatha (uma kukhona), nosekelo oluqhubekayo. Umshayeli wendiza omfushane onedatha yangempela ngokuvamile uveza ukuthi kufanelekile kunedemo yodwa.
Ivikeleka kanjani idatha (POPIA)? Qinisekisa ukuthi idatha igcinwa kuphi, ukuthi ukufinyelela kulawulwa kanjani, nokuthi yiziphi izibopho umthengisi azenzayo mayelana nokugcinwa nokucutshungulwa kolwazi lomuntu siqu.

Okufanele Ukuqaphele

Izingibe ezivamile zingabukela phansi ukukhetha okuthembisayo. Ukuzazi kukusiza ukuthi ubuze imibuzo efanele futhi uqhathanise izinketho endaweni yokudlala ileveli.

Ukukhetha i-CRM ejwayelekile noma i-ERP ngaphezu kwenhloso eyakhelweamathuluzi. Amasistimu enhloso evamile alungile ekuthintwaneni nasemisebenzini; awavamile ukwakhiwa ukuze akhe idatha yehhovisi, aphoqelele ingqondo yokuhlola, noma akhiqize amarekhodi alungele ukuhlolwa. Ungagcina usuhlanganisa ama-workaround angakaze abhekane ngokugcwele nokuhambisana noma ukungaguquguquki.

Ukubeka i-UI kuqala kunekhwalithi yedatha. Isixhumi esibonakalayo esiphucuziwe siwusizo kuphela uma idatha ewumsuka inembile futhi yakhiwe. Qinisekisa ukuthi isofthiwe ihlahlela kahle futhi ijwayele ukuphuma kwehhovisi; kungenjalo uthatha izinqumo ngolwazi olungaphelele noma olungahambisani.

Iziba izici zokuthobelana. Izindlela zokucwaninga, ukufinyelela okusekelwe endimeni, namadokhumenti esinqumo akukona okokuzikhethela emsebenzini wekhredithi olawulwayo. Ithuluzi elingabasekeli lizodala izikweletu zobuchwepheshe kanye nengozi njengoba ukhula. Ngisho noma umthamo wakho wamanje uzwakala ulawuleka ngaphandle kokuhlolwa okuphelele, i-NCR kanye nabahloli bamabhuku bangaphakathi bazokulindela lapho bebuyekeza amafayela akho.

Ukukhetha ngentengo iyodwa. Inketho eshibhe kakhulu ivamise ukushintsha izindleko zibe izindlela zokusebenza ezenziwa mathupha, ukudonsa kabusha, nokulungiselela ukuhlolwa. Cabangela izindleko eziphelele: isikhathi esilondoloziwe, ukungaguquguquki okuzuziwe, kanye nengozi encishisiwe. Imali yelayisensi ephakeme kancane eqeda ukusebenza kabusha futhi isheshise izinqumo ingazikhokhela yona ngokushesha; imali ephansi ekushiya nomthwalo ofanayo wezandla awukwenzi.

Ukukhiya komthengisi. Qonda ukuthi uyikhipha kanjani idatha yakho, noma ukuhlola nemibiko ingathunyelwa ngefomethi esebenzisekayo, nokuthi kwenzekani uma ushintsha umthengisi kamuva. Izinkontileka ezenza kube nzima noma kubize ukubuyisa idatha yakho kudala ubungozi besikhathi eside. Uncamela abathengisi abasekela amafomethi ajwayelekile okuthumela kanye nedatha ecacileukuphatheka.

Ukwenza Isinqumo

Sebenzisa uhlaka lokuhlola olulula: fanisa isofthiwe nokuhamba komsebenzi wakho, beka phambili ukuhlanganiswa kwehhovisi nokuhambisana, futhi uhlole ngedatha yangempela phakathi nokuhlola. Uma uqhathanisa izinketho, bheka abathengisi abaphatha ukuhlanganiswa kwe-bureau, izindlela zokucwaninga, nokulingana komsebenzi njengemigomo yokuklama eyinhloko; I-EvalFin iyisibonelo esisodwa esakhelwe ngokukhethekile ochwepheshe bezikweletu baseNingizimu Afrika. Qinisekisa ukuthi umthengisi angakwazi ukusekela ihhovisi lakho, imithetho yakho, kanye nesidingo sakho se-izindlela zokucwaningwa kwamabhuku kanye ne-Izinqubo eziqondaniswe ne-NCA. Hlela ukugibela ukuze iqembu lakho liqeqeshwe futhi amaphuzu akho okuhlanganisa acace. Qalisa umshayeli wendiza ngesampula yezinhlelo zokusebenza zangempela noma amacala uma umthengisi ekuvumela; lokho kuzoveza izikhala ekufakweni kwehhovisi, ukumiswa kwemithetho, noma ukubika amademo angageja. Umgomo iyithuluzi elinciphisa umsebenzi wezandla, elithuthukisa ukungaguquguquki, futhi ligcine isilawuli sakho sokusebenza silungile - noma ngabe ungumhlinzeki wezikweletu, umdayisi, noma umeluleki wezikweletu. Ukuthatha isikhathi sokuhlola kahle kuyakhokha uma isistimu isekela ithimba lakho kanye nezibopho zakho zokuthobela kusukela osukwini lokuqala.

Bona Isoftware Yokuhlola Isikweletu Isebenza

I-EvalFin yakhelwe izingcweti zezikweletu zaseNingizimu Afrika. Bona ukuthi idatha ye-bureau ehlelekile, ukuhlola okuzenzakalelayo, namarekhodi alungele ukuhlolwa zisekela kanjani izinqumo ezihlakaniphile - noma ngabe ungumhlinzeki wezikweletu, umdayisi, noma umeluleki wezikweletu. Xhumana ukuze ukubone kusebenza futhi uxoxe ngokuthi kufanelana kanjani nokusebenza kwakho.