I-Credit Broker Software South Africa | Izinqumo ezisheshayo zokubolekwa kwemali
Isofthiwe ye-Credit broker yaseNingizimu Afrika. Hlaziya imibiko yezikweletu ngokushesha, ufaneleke kuqala abafake izicelo, futhi uthuthukise izilinganiso zokugunyaza imali mboleko.
Abathengi bezikweletu basebenza endaweni enevolumu ephezulu, enengcindezi ephezulu. Zonke izicelo zokubolekwa kwemali zidinga ukuhlolwa okusheshayo, okunembile - nokho imininingwane eminingi yezikweletu isafika njengemibiko ye-PDF engashintshi, ibambezela ukuthathwa kwezinqumo futhi inyuse amanani okunqatshelwa. Ukusheshisa nokucaca manje kuyizinzuzo ezincintisanayo.
Abathengi abakwazi ukuhlola abafake izicelo ngokushesha, bafaneleke kusengaphambili ngokwemibandela yababolekisi, futhi bagxilise indlela yabo emacaleni asebenzayo bavale amadili amaningi. Labo abachitha amahora befunda imibiko engahlelekile futhi bejaha izicelo ebezingeke zifaneleke balahlekelwa isikhathi kanye nemajini. Leli khasi lichaza ukuthi isofthiwe yomthengisi wezikweletu eyakhelwe iNingizimu Afrika ibhekana kanjani nengqinamba yangempela yezicelo zokubolekwa futhi iguqule idatha ye-bureau ibe amathuluzi ezinqumo esikhundleni sokuba amaphepha.
I-Bottleneck Yangempela Kuzicelo Zemalimboleko
Umkhawulo wokugeleza komsebenzi womdayiseli awuvamile ukufinyelela kudatha. Abathengi baseNingizimu Afrika bangakhipha imibiko kwa-Experian, TransUnion, kanye ne-Datanamix. Ibhodlela yilokho okwenzeka ngemva kokudonsa: ukufunda ngesandla, ukuhumusha, nokuqhathanisa kubo bonke abafake izicelo.
Uma wonke umbiko wesikweletu uyi-PDF noma idokhumenti ephrintiwe, ukuhlola ngakunye kuba umsebenzi owenziwa kanye. Umdayiseli kufanele avule ifayela, askenele umlando wokukhokha, izahlulelo, okuzenzakalelayo, kanye nokusetshenziswa, bese ekulinganisa ngokwengqondo lokhu ngokumelene nesifiso sokudla somboleki - futhi akwenzele futhi kumfakisicelo olandelayo. Le nqubo yezandla ishisa isikhathi futhi yethula ukungahambisani. Umthengisi oyedwa angase agxile ekuziphatheni kwakamuva; omunye angase alinganise okuzenzakalelayo komlando kakhulu. Umfakisicelo ofanayo angaphathwa ngendlela ehlukile kuye ngokuthi ubani obuyekeza ifayela.Isikhathi esilahlekile ezinhlelweni ezibuthakathaka sihlanganisa inkinga. Ngaphandle kokubuka okuhlelekile kwedatha yekhredithi, kunzima ukuhlunga abafakizicelo abangafaneleki kusenesikhathi. Abadayisi bavame ukutshala imali kwizicelo ezigcwele, izingcingo zokulandelela, kanye nokuqoqwa kwamadokhumenti ukuze bathole ekugcineni ukuthi iklayenti alikaze lihlangabezane nezidingo eziyisisekelo zekhredithi noma ukukwazi ukukhokhela. Lowo mzamo ubungase uqondiswe kubafakisicelo abanethuba elingokoqobo lokugunyazwa.
Ukwenqatshwa sekwephuzile nakho kumosha umzamo wokuthengisa futhi kulimaze ubudlelwano bamakhasimende. Abafakizicelo abanqatshelwe ngemuva kwenqubo ende bazizwa bedukisiwe; abathengisi balahlekelwa ukwethenjwa nokudluliselwa. Inkinga akukhona ukuthi idatha yekhredithi ayikho - ukuthi idatha ayisetshenziselwa ukufaneleka nokubeka phambili kusenesikhathi. Ukulungisa okudinga ukuguqula imibiko ibe okokufaka okuhlelekile, okuqhathanisekayo ukuze kuthathwe izinqumo kunokuba amadokhumenti afundwe ngayinye ngayinye.
Kungani ama-CRM Engazixazululi Izinqumo Zesikweletu
Ama-brokerage amaningi athembele ku-CRM ukuphatha amaklayenti nezinhlelo zokusebenza. Ama-CRM ahamba phambili ekuphathweni koxhumana nabo, ukulandelela umsebenzi, nokugcinwa kwamadokhumenti. Aziklanyelwe ukushayela izinqumo zesikweletu noma zobungozi.
Ama-CRM akhelwe ubudlelwano nezigaba zamapayipi, hhayi ukuhlaziya idatha yehhovisi. Bagcina imininingwane yokuxhumana, amanothi, namafayela alayishiwe. Bangase bakukhumbuze ukuthi ulandele noma uhambise isivumelwano “kusalindiwe.” Abawudlulisi umbiko wesikweletu, bakhiphe izinkomba ezibalulekile, noma basebenzise imithetho njengokuthi “ifulegi uma isahlulelo ezinyangeni ezingu-24 ezedlule” noma “ingabandakanyi uma isikweletu kumholo singaphezu kuka-X.” Ngakho-ke umthengisi kusafanele avule umbiko ngamunye, awufunde, bese uthayipha isifinyezo noma isinqumo ku-CRM. I-CRM iba yikhabhinethi yokugcwalisa, hhayi ainjini yesinqumo.
Ngenxa yokuthi ama-CRM awayakhi idatha yekhredithi, awakwazi ukusekela ukuqhathanisa okufanayo. Awukwazi ukuhlunga “bonke abafake izicelo ngaphandle kokuzenzakalelayo ezinyangeni eziyi-12” noma “bonke abafake izicelo abasebenzisa ngaphansi kuka-50%” - imininingwane ikhiyiwe ngaphakathi kwama-PDF namanothi ombhalo wamahhala. Lokho kwenza kube nzima ukubeka phambili amathuba angcono kakhulu noma ukubuyekeza ukuthi kungani izicelo ezithile zanqatshwa. Umqondo wesinqumo uhlala emakhanda abantu, hhayi ohlelweni.
Isinqumo sesikweletu sidinga ukuhlaziya: ukuqonda okukhiphayo ehhovisi, ukusebenzisa imithetho yangaphakathi noma eqondene nombolekisi, kanye nokuqhathanisa abafake izicelo endaweni yokudlala. Lowo ngumsebenzi wesoftware egxile kwisikweletu. I-CRM ihlala iwusizo kokuthi ubani ongathintwa futhi nini; ayithathi indawo yethuluzi elishintsha imibiko yezikweletu ibe okokufaka okucacile, okungenziwa ezinqumweni zemalimboleko.
Ukuguqula Imibiko Yezikweletu Iyenze Amathuluzi Esinqumo
Ukushintsha ukusuka kokuthi “imibiko yokufunda” kuye “kokwenza kudatha” kwenzeka lapho ulwazi lwekhredithi lwakhiwe futhi lubekwe endaweni eyodwa. Isofthiwe yomthengisi eyakhelwe le njongo yenza izinto ezintathu: ihlela idatha ye-bureau ngokuzenzakalelayo, ibeka izinkomba ezibalulekile ngokubuka nje, futhi ikuvumela ukuthi usebenzise imithetho yokufaneleka kwangaphambili ukuze ukwazi ukuqhathanisa abafake izicelo ngokungaguquki.
Okokuqala, idatha ehleliwe isho izinkambu ezibalulekile - isimo se-akhawunti, umlando wokukhokha, izahlulelo, okuzenzakalelayo, ukusetshenziswa, namazinga esikweletu - akhishwa emibikweni futhi agcinwe ngefomethi efanayo. Akusekho ukuphequlula amakhasi e-PDF ukuze uthole ulwazi olufanayo kuwo wonke umfakisicelo. Ubona ukubuka okujwayelekile okusebenza ngendlela efanayo noma ngabe umthombo bekuyi-Experian, Datanamix, noma TransUnion. Lokho kuvumelanakuyisisekelo sejubane nokungenzeleli.
Okwesibili, ukubuka okukodwa kwezinkomba ezibaluleke kakhulu kusheshisa i-triage. Esikhundleni sokusabela kunoma yini ekudonsela amehlo embikweni omude, ubona ubungozi obufingqiwe kanye nezimpawu zokukwazi ukuzikhokhela. Ungakwazi ukuhlonza ngokushesha abenzi bezicelo abahlangabezana nemibandela yakho evamile noma yababolekisi bakho nalabo abangayihlanganisi. Imithetho yokufaneleka yangaphambili — isibonelo, “akukho izinqumo ezisebenzayo” noma “ibhendi yamaphuzu amaNCAne” — ingasetshenziswa ethuluzini ukuze izinhlelo zokusebenza ezibuthakathaka zimakwe noma zinganakwa ngaphambi kokucubungula ngokugcwele.
Okwesithathu, ukuqhathanisa kuthuthukisa izinqumo. Lapho wonke umfakisicelo ehlolwa kusetshenziswa isakhiwo nemithetho efanayo, unciphisa ukuchema nokuhlukahluka. Ungagxilisa umzamo wokuthengisa emacaleni anethuba langempela lokugunyazwa futhi unikeze abafake izicelo impendulo esheshayo, ecacile. Esikhundleni sokusabela kumibiko ngemva kweqiniso, abathengisi benza okuthile kuyo: basebenzisa idatha ukuze bafaneleke, babeke phambili, futhi baguqule.
Ukuhlanganisa amahhovisi amaningi endaweni eyodwa kugwema ukungqubuzana kokungena kumaphothali ahlukene nokuvumelanisa izakhiwo zemibiko ehlukene. Uma idatha ye-Experian, Datanamix, kanye neTransUnion yenziwa ngokwejwayelekile ibe indawo yokusebenza eyodwa, abathengisi bachitha isikhathi esincane beshintsha izimo kanye nesikhathi esengeziwe ekuhloleni nasekuxhumaneni namaklayenti. Umphumela uwukugeleza komsebenzi lapho umbiko unikeza isinqumo esikhundleni sokunye.
Umthelela Webhizinisi Kuma-Broker
Umthelela ongokoqobo wale ndlela ubonakala ngesikhathi esilondolozwe, izilinganiso zokugunyaza, nokuguqulwa.
Isikhathi esincane ngesicelo ngasinye. Uma idatha yekhredithi yakhiwe futhi ifinyezwa, ukuhlola kuyasuka kokuthi “funda umbiko wonke” kuya “kubuyekezela umbiko.isifinyezo namafulegi abalulekile.” Abathengi bachitha imizuzu embalwa ngefayela ngalinye futhi bangaphatha izinhlelo zokusebenza eziningi ngethimba elifanayo. Lokho kubalulekile uma ivolumu iphezulu futhi amamajini aqinile.
Amazinga angcono okugunyaza imalimboleko. Abafakizicelo abafaneleka kusengaphambili ngokuphikisana nemibandela yababolekisi kanye nemithetho yangaphakathi kusho ukuthi izicelo ezimbalwa ezithunyelwa kumakhasimende abengakaze afaneleke. Izinhlelo zokusebenza ezidlulayo zinamandla ngokwesilinganiso, ngakho amanani okugunyaza ayathuthuka. Ababolekisi babona ukuhanjiswa kwekhwalithi engcono; abathengisi bakha idumela lokuthumela ibhizinisi elisebenzayo.
Gxila kwabafake izicelo abasebenzayo. Umzamo wamapayipi ukhuphukela phezulu. Isikhathi nokulandelela kuqondiswe kubafaki zicelo abafinyelela izikweletu kanye nokungakwazi ukukhokhela izindleko, esikhundleni sokuthatha izithombe ezinde ezihlulekayo ekugcineni. Umthamo wokuthengisa usetshenziswa lapho unembuyiselo engcono kakhulu.
Ukuguqulwa okuphelele okuphakeme. Ukucutshungulwa okusheshayo, ukuhlola okungaguquki, kanye nokufaneleka kwangaphambi kwesikhathi kusho inqubekelaphambili yamadili alungile futhi ambalwa aphumeleli ngenxa yokubambezeleka noma ukungahambisani. Izinqumo ezingcono zokukhuphuka komfula zisho amadili avaliwe amaningi ezansi nomfula.
Kumabrokerage akala ukusebenza ngezicelo ezicutshunguliwe, izilinganiso zokugunyazwa, noma imali engenayo ngomthengisi ngamunye, inhlanganisela yedatha ehlelekile nemithetho yokufaneleka kwangaphambilini idala ukuphakama okulinganisekayo. Izinzuzo eziqondile zincike enqubweni yamanje kanye nevolumu, kodwa isiqondiso asiguquguquki: ukufundwa okuncane okwenziwa ngesandla, izinhlelo zokusebenza ezimbalwa eziphelile, kanye nomthamo owengeziwe wamacala aguqukayo.
Le Software Ngekabani
Isofthiwe yomthengisi wesikweletu eyakhelwe izinqumo ezisheshayo zokubolekwa imali ifanele amaqembu anendaba nokusebenza kahle kokuguqulwa kanyeukuhlolwa kwekhredithi okungaguquki.
Abadayisi bezikweletu abazimele abasingatha yonke into kusukela ekuxhumaneni kokuqala kuya ekuthumeleni bayazuza ekubeni nendawo eyodwa yokudonsa idatha ye-bureau, amaphuzu noma ukuhlola abafake izicelo, futhi balandelele amacala. Ukuhlaziywa kwekhredithi okuhleliwe kunciphisa ukubuyela emuva naphambili kokufundwa kombiko okwenziwa ngesandla futhi kubasiza ukuba bathumele izicelo ezisebenzayo kuphela.
Izinkampani ezikhipha imali mboleko ezicubungula izicelo egameni lababolekisi noma abasabalalisi zidinga ukuhlolwa okujwayelekile kanye nezindlela zocwaningo ezicacile. Isofthiwe eyakha idatha yekhredithi futhi isebenzisa imithetho isekela kokubili isivinini nokuhambisana, ngakho umsuka uhlala ukhula njengoba umthamo ukhula.
**Ama-brokerages acubungula amavolumu aphezulu ezicelo ** azwa izindleko zokuhlola okwenziwa mathupha kakhulu. Uma wonke umbiko uyi-PDF, ukubambezeleka okuncane kuyahlangana. Amathuluzi aveza izinkomba ezibalulekile kanye nemiphumela yokufaneleka avumela lawa maqembu ahlole ngokushesha futhi anikeze umzamo kumathemba aqine kakhulu.
Amaqembu agxile ekusebenzeni kahle kokuguqulwa — kungakhathaliseki ukuthi kulinganiswa ngesikhathi sokunquma, izinga lokugunyazwa, noma amadili avaliwe ngomthengisi ngamunye — thola okungcono kakhulu kusofthiwe eshintsha imibiko yezikweletu ibe okokufaka kwezinqumo esikhundleni samadokhumenti amile okufanele uwafayele futhi afundwe.
Thola Idemo — Bona Ukuthi Ukuhlaziywa Kwezikweletu Okuhlelekile Kuzithuthukisa Kanjani Izinqumo Zemalimboleko
Uma ufuna ukubona ukuthi ukuhlaziya okuhlelekile kwesikweletu kanye nokufaneleka kungasheshisa kanjani ukuhlola kwakho futhi kuthuthukise amazinga okugunyaza imalimboleko, singakudlula kukho. I-EvalFin ihlanganisa idatha ye-bureau (i-Experian, i-Datanamix, i-TransUnion), amaphuzu amaklayenti, ukuphathwa kwamacala, namathuluzi okuthobelana endaweni eyodwa yokusebenza eyakhelwe ochwepheshe bezikweletu baseNingizimu Afrika.
Xhumanaukuze ubone ukuthi ukuguqula imibiko yesikweletu ibe amathuluzi ezinqumo kuzithuthukisa kanjani izinqumo zemalimboleko kubhuleki yakho.