Isoftware Yomhlinzeki Wezikweletu eNingizimu Afrika | Umhlahlandlela Wokuboleka

Abahlinzeki bezikweletu eNingizimu Afrika babhekene nengcindezi ekhulayo yokwenza izinqumo ezisheshayo nezinembayo zokuboleka imali kuyilapho begcina ukuthobela imithetho eqinile. Nokho abaningi basathembele ezinqubweni ezenziwa ngesandla - ukudonsa imibiko yezikweletu ze-PDF, ukuhumusha idatha ngesandla, nokugcina amarekhodi kuzo zonke izinhlelo ezinqanyuliwe. Njengoba amanani ezicelo akhula, le ndlela idala izingqinamba, ukungahambisani, kanye nobungozi bokuthobela.

Umthetho Kazwelonke Wezikweletu (i-NCA) kanye Nomlawuli Kazwelonke Wezikweletu (NCR) zidinga ukuhlolwa okubhalwe phansi kokungakwazi ukukhokhela, ukuthathwa kwezinqumo okusobala, namarekhodi angalandeleka. Ngesikhathi esifanayo, ukuncintisana nokulindelwe ngamakhasimende kucindezela ababolekisi ukuthi bafinyeze izikhathi zokushintsha futhi bathuthukise amazinga okugunyaza ngaphandle kokubeka engcupheni ingozi. Ukuvala lelo gebe kudinga amathuluzi akhelwe ngokukhethekile ukuhlola izikweletu: isofthiwe eyakha idatha ye-bureau, ibeka izinga ukuhlola, futhi igcine zonke izenzo zihloleka. Lesi sihloko sichaza izinselele zokugeleza komsebenzi okwenziwa ngesandla kanye nesikhashana, ukuthi iyiphi isofthiwe yesimanje yomhlinzeki wezikweletu okufanele ilethe, nokuthi ikusekela kanjani kokubili ukusebenza kahle nokusebenza ngokulungela ukulawula.

Inselele Yokuhlolwa Kwezikweletu Kwesandla

Uma izinqumo zekhredithi zincike emibikweni yekhredithi ye-PDF, ukuhamba komsebenzi kuhamba kancane ngokwemvelo futhi akuhambisani. Isiphathimandla semalimboleko sithola isicelo, singene kuphothali yehhovisi eyodwa noma ngaphezulu, sicele umbiko, bese silinda idokhumenti ukuthi ilande. Umbiko ufika njenge-PDF enamakhasi amaningi eklanyelwe ukufundwa kwabantu, hhayi ukuhlaziya okuhlelekile. Isikhulu kufanele sihlole izigaba, sikhiphe izibalo ezibalulekile ngokwengqondo - ukuziphatha kwe-akhawunti, izilinganiso zezikweletu nemali engenayo, okungalungile.uhlu - futhi uziqhathanise nenqubomgomo yangaphakathi yokuboleka. Azikho izikhulu ezimbili ezizobeka phambili izinkambu ezifanayo noma zisebenzise ama-threshold ngendlela efanayo ncamashi.

Lokho kuhlukahluka kwethula ingozi. Umhloli oyedwa angase agxile kakhulu kokuzenzakalelayo kwakamuva; omunye angase alinganise amaphethini omlando wokukhokha ngendlela ehlukile. Ngaphandle kokubuka okujwayelekile kwedatha, kunzima ukuqinisekisa ukuthi abafaki zicelo abafanayo bahlolwa ngendlela efanayo. Ukungaguquguquki akubalulekile nje kuphela ekungenzeleli kanye nolwazi lwamakhasimende kodwa futhi nekhwalithi yephothifoliyo nokuhlolwa kokulawula. Abacwaningi mabhuku kanye ne-NCR balindele ukubona imibandela ecacile, ephindaphindwayo kanye nobufakazi bokuthi zasetshenziswa.

Ijubane liyahlupheka futhi. Ukuhumusha ngesandla kuthatha isikhathi. Lapho amanani enyuka, ukusilela emuva kuyakhula, futhi abafake izicelo balinda isikhathi eside ukuthola imiphumela. Ezimakethe ezincintisanayo, ukuguquka kancane kungasho ibhizinisi elilahlekile noma abafake izicelo baye kwenye indawo. Futhi kwandisa ithuba lokuthi amadokhumenti asekelayo noma idatha ye-bureau iphelelwe yisikhathi, okuphoqelela ukudonsa kabusha nokuhlola kabusha.

Enye inkinga ukulandeleka. Uma imibiko ikhishwa kumawebhusayithi ehhovisi futhi ilondolozwe kumadrayivu abiwe noma imicu ye-imeyili, kunzima ukwazi ukuthi ubani okhiphe imuphi umbiko, nini, futhi waluphi uhlelo lokusebenza. Ukuxhumanisa inguqulo ethile yombiko esinqumweni esithile, kanye nomuntu osithathile, ngokuvamile kudinga umsebenzi wobuphenyi. Lokho kwenza kube buthaka umkhondo wocwaningo futhi kwenza kube nzima kokubili ukubuyekezwa kwangaphakathi nezicelo zomlawuli. Kubahlinzeki bezikweletu abazimisele ngokuthobela kanye nokuziphendulela, ukuhlolwa kwekhredithi okwenziwa ngesandla kudala ukuchayeka okungenasidingo ekusebenzeni nokusemthethweni.

Kungani AmaSpredishithi kanyeAmathuluzi Ajwayelekile Awafushane

Amanye amaqembu azama ukuthuthukisa ukugeleza komsebenzi okumsulwa kwe-PDF ngokukopisha izibalo kuma-spreadsheet noma ukwakha izifanekiso zesikhangiso. AmaSpredishithi angagcina izinombolo namafomula alula, kodwa awakwazi ukungenisa ngokuzenzakalelayo noma ukuhlela idatha ye-credit bureau. Othile kusafanele afunde umbiko ngamunye futhi athayiphe (noma anamathisele) amanani kumaseli alungile. Lokho akususi ukuhumusha okwenziwa ngesandla; yengeza kuphela isinyathelo futhi ikhuphule ingcuphe yamaphutha okuloba.

AmaSpredishithi nawo awanazo izinkomba zengozi yesikhathi sangempela kanye namaphuzu ahlanganisiwe. Izilinganiso zokufinyeleleka, ukumbozwa kwesevisi yesikweletu, noma amakhadi wamaphuzu angaphakathi kufanele abalwe ngesandla noma agcinwe ngamamodeli ahlukene. Lapho imithetho yokuboleka imali noma amafomethi ombiko wehhovisi eshintsha, amaspredishithi amaningi nezifanekiso zingase zidinge ukubuyekezwa, futhi ukulawula inguqulo eqenjini lonke kunzima kakhulu. Isikhulu esisodwa semalimboleko kungenzeka sisebenzisa isifanekiso esiphelelwe yisikhathi kanti esinye sinencazelo ehlukile yenqubomgomo efanayo.

Ngokombono wokuthobelana, amaspredishithi awanamandla. Abavamile ukuqopha ukuthi ubani oshintshile futhi nini. Abaxhumanisi ngokuzenzakalelayo ukudonswa kwehhovisi elithile kuhlelo lokusebenza noma isinqumo esithile. Amarekhodi alungele umlawuli adinga iketango elicacile: lo mbiko udonswe ngalesi sikhathi, yilo opharetha, kulesi sicelo, futhi lesi sinqumo senziwe kusetshenziswa le datha. Amathuluzi ajwayelekile awakuhlinzeki ngalokho ngokuzenzakalelayo, okushiya abahlinzeki bezikweletu ukuthi babuyisele izindlela zokucwaninga emuva kweqiniso.

Ama-silos wedatha ahlanganisa inkinga. Lapho idatha yekhredithi ihlala kumaspredishithi, amanothi esinqumo ohlelweni oluhlukile, nama-PDF ehhovisi kwenye ifolda futhi, akukho ukubuka okukodwa kweisicelo sikhona. Amaqembu engcuphe kanye nokuthobelana awakwazi ukuhlaziya kalula amaphethini ezinqumo noma ukulungiselela ukucwaninga kwamabhuku ngaphandle kokuvumelanisa mathupha imithombo eminingi. Kubahlinzeki bezikweletu abahlose ukukala nokuhlala bethobela, amaspredishithi namathuluzi ajwayelekile ayisitobha, akusona isixazululo sesikhathi eside.

Okufanele Ukwenze Isoftware Yesimanje Yomhlinzeki Wezikweletu

Isofthiwe eyakhelwe inhloso yabahlinzeki bezikweletu ibhekana nalezi zikhala ngokuxhuma ngqo kuma-bureau futhi iguqule idatha yombiko engahluziwe ibe ulwazi oluhlelekile, olusebenzayo. Esimeni saseNingizimu Afrika, lokho kusho ukuhlanganiswa ne-Experian, Datanamix, neTransUnion ukuze imibiko ikhishwe endaweni eyodwa yokusebenza. Idatha evela ku-bureau ngayinye kufanele yenziwe ibe yifomethi evamile - ama-akhawunti, ukuziphatha, ibhalansi, ulwazi olubi - ukuze abahloli babone isakhiwo esifanayo kungakhathaliseki ukuthi iyiphi i-bureau enikeze umbiko.

Uhlelo kufanele luveze ukufinyeleleka kanye nezinkomba zobungozi ngokucacile. Izilinganiso zesikweletu semali engenayo, izilinganiso zesitolimende nezimali ezingenayo, namanye amamethrikhi abalulekile ekuhloleni ukukwazi ukuthengeka kwe-NCA kufanele kubalwe futhi kuboniswe ngendlela evamile. Lokho kuvumela sonke isikhulu semalimboleko ukuthi sihlole abafake izicelo ngendlela efanayo futhi kunciphisa ukuhlukahluka okuvela kuwo wonke umuntu ofunda ama-PDF ngendlela ehlukile. Amapharamitha wangaphakathi wamaphuzu nemithetho yokuboleka ingaboniswa ethuluzini ukuze ukugunyaza, ukwenqatshwa, noma ukudluliselwa kusekelwe kumqondo ofanayo.

Ukufinyelela ngesikhathi sangempela kungenye imfuneko eyinhloko. Lapho isicelo sifika, umhloli kufanele akwazi ukucela idatha ye-bureau futhi abone imiphumela ehlelekile ngaphandle kokushiya inkundla. Chaukushintsha okuningi phakathi kwamaphothali ehhovisi kanye nemibhalo yendawo. Ukufinyelela okusheshayo kusho izinqumo ezisheshayo kanye nolwazi olungcono kubo bobabili abasebenzi kanye nabenzi bezicelo. Futhi kwenza kube lula ukudonsa kabusha noma ukuvuselela idatha lapho izinhlelo zokusebenza zibuyekezwa noma uma izinqubomgomo zishintsha.

Isofthiwe yesimanje yabahlinzeki bezikweletu kufanele futhi isekele ukuhlanganiswa nezinhlelo zangaphandle ezifana nama-CRM, izinkundla zomsuka wemalimboleko, noma amathuluzi okuphatha amacala. Idatha nezinqumo kufanele zigeleze lapho ibhizinisi selivele lisebenza khona, kunokuphoqelela yonke into ku-silo enqanyuliwe. Uma idatha ye-bureau, amamethrikhi okufinyeleleka, nemiphumela yezinqumo ihlala endaweni eyodwa futhi ingabiwa nezinye izinhlelo, abahlinzeki bezikweletu bangakala izinqubo zabo ngaphandle kokulahlekelwa ukulawula noma ukubonakala.

Izindlela Zokucwaninga Nokuhambisana Nomthetho

Ukuhambisana nokulindelwe yi-NCA kanye ne-NCR kuncike ekwazini ukukhombisa ukuthi kwenziwa ini, nini, futhi kwenziwa ngobani. Isofthiwe yomhlinzeki wesikweletu kufanele irekhode zonke izenzo ezibonakalayo. Umbiko ngamunye we-bureau kufanele ufakwe isitembu sesikhathi futhi ufakwe ku-opharetha othile. Lokho kudala isixhumanisi esicacile phakathi kwedatha esetshenzisiwe nomuntu oyicelile, okubalulekile lapho uvikela izinqumo noma uphendula imibuzo yomlawuli.

Amadokhumenti esinqumo kufanele aphelele. Uhlelo kufanele lusekele (futhi lukhuthaze) ukurekhoda isizathu sokugunyazwa, ukwenqatshwa, noma ukudluliselwa. Uma lawo madokhumenti aboshelwe kwirekhodi elifanayo nedatha yehhovisi kanye nomsebenzisi, indaba egcwele yohlelo ngalunye isendaweni eyodwa. Asikho isidingo sokuzingela ngama-imeyili noma amadrayivu ahlanganyelwe ukwakha kabusha okwenzekile.

Ukufinyelela okusekelwe endimeniizilawuli ziqinisekisa ukuthi abasebenzi abagunyaziwe kuphela abangadonsa imibiko, babuke idatha ebucayi, noma benze izenzo ezithile. Lokho kusekela ukuphathwa kwedatha futhi kunciphisa ubungozi bokufinyelela okungagunyaziwe noma ukusetshenziswa kabi kolwazi lomthengi. Izimvume zingaqondaniswa nemisebenzi yemisebenzi - isibonelo, ihhovisi elikhawulelayo lidonsela abahloli kanye nokukhawulela izinguquko zokumisa kubaphathi - ukuze inhlangano ibonise ukuthi ukufinyelela kufanelekile futhi kuyalawulwa.

Ngokuhlangene, umbiko ofakwe isitembu sesikhathi uyadonsa, incazelo yomsebenzisi, imibhalo yesinqumo esiphelele, nokufinyelela okusekelwe endimeni kukhiqiza amarekhodi alungele umlawuli. Uma i-NCR noma umcwaningi mabhuku wangaphakathi ebuza ukuthi isinqumo senziwe kanjani, umnikezi wesikweletu (wemali-mboleko) angaveza indlela yocwaningomabhuku ehambisanayo esikhundleni sokuhlanganisa izingcezu zezinhlelo eziningi. Lokho kunciphisa ubungozi bokusebenza nezomthetho futhi kwakha ukuzethemba kokuthi inhlangano ilawula inqubo yayo yokuboleka.

Ikesi Lokusetshenziswa Okujwayelekile

Cabangela umhlinzeki wesikweletu ocubungula amakhulu ezicelo zemalimboleko njalo ngenyanga. Isicelo ngasinye sidinga ukudonsa kwehhovisi elilodwa noma ngaphezulu, ukukwazi ukuthengeka kanye nokuhlola ubungozi, kanye nesinqumo esibhaliwe. Ngokugeleza komsebenzi okwenziwa ngesandla, abahloli bachitha isikhathi esiningi bengena ezingosini zehhovisi, belanda ama-PDF, futhi betolika imiphumela ngesandla. Izikhathi zokushintsha ziyelula, futhi ukuvumelana phakathi kwabahloli kuyehluka. Ukugcina kanye nokubuyisa imibiko yocwaningomabhuku noma izikhalazo kunzima.

Ngedatha yekhredithi ehleliwe endaweni eyodwa, ukugeleza kuyashintsha. Umhloli uvula isicelo ku-software yabanikezeli bezikweletu, aqalise ukudonsa kwehhovisi (noma adonse kumahhovisi amaningi umainqubomgomo idinga), futhi ithola idatha ehlelekile - ama-akhawunti, ukuziphatha, izinkomba zokukwazi ukuthengeka - ngombono ojwayelekile. Imibandela yokuhlola isetshenziswa ngokungaguquki; Imithetho yangaphakathi yamagoli noma yokuboleka ingabonakala ethuluzini. Umhloli urekhoda isinqumo nesizathu endaweni efanayo nombiko. Konke ukudonsa kanye nazo zonke izinqumo zinesitembu sesikhathi futhi kushiwo.

Umphumela uwukucubungula okusheshayo, izinqumo ezingaguquki, kanye nomkhondo wokuhlola ophelele. Inhlangano ingahlaziya izilinganiso zokugunyaza, izilinganiso ezizenzakalelayo, namaphethini wesinqumo ngokuqiniseka ukuthi idatha ewumsuka nengqondo kuyalandeleka. Uma i-NCR noma umcwaningi mabhuku ecela ubufakazi, umnikezi wesikweletu (wemali-mboleko) angabuveza ngaphandle kokubhuqa. Ngokuhamba kwesikhathi, idatha engcono nemibandela engaguquguquki ingasekela izilinganiso ezithuthukisiwe zokugunyaza ukuya kokumisiwe kanye nencwadi yokuboleka evikeleke kakhudlwana.

Le Software Ngekabani

Isofthiwe yabahlinzeki bezikweletu yalolu hlobo ibalulekile kunoma iyiphi inhlangano ehlola izicelo zekhredithi futhi ethembele kudatha yehhovisi. Amabhange nababolekisi abancane, kungakhathaliseki ukuthi banikeza imali ebolekiwe yomuntu siqu, imali yemoto, noma esinye isikweletu esivikelekile noma esingavikelekile, badinga ukugeleza komsebenzi okuhlelekile nezindlela zokucwaninga. Izikhungo ezinkudlwana zingase zibe namathimba azinikele emvelaphi yemalimboleko kanye namaqembu engcuphe; ababolekisi abancane bangase babe nedlanzana labahloli. Kuzo zombili izimo, kuyasebenza izimiso ezifanayo: idatha ejwayelekile, ukuhlola okungaguquki, namarekhodi alungele umlawuli.

Amaqembu aqala ukuboleka imali ahlomula ngokuqondile. Bachitha isikhathi esincane ekuphatheni umbiko ngesandla kanye nesikhathi esiningi ekuhloleni nasekuxhumaneni namakhasimende. Iminyango yengcuphe kanye nokuthobela imithetho ithola ukubonakala futhiukulawula. Bangakwazi ukubuyekeza amaphethini ezinqumo, baqinisekise ukuthi izinqubomgomo zisetshenziswa ngendlela efanele, futhi balungiselele ukuhlolwa ngaphandle kokwakha kabusha umlando osuka emithonjeni ehlukene. Abaphathi abakhulu bangaba nethemba elikhulu lokuthi ukuboleka imali kusebenza kahle futhi kuyahambisana.

Kungakhathaliseki ukuthi umhlinzeki wezikweletu uyibhange elibhalisiwe, umbolekisi ongelona ibhange, noma umsebenzi omncane okhuphukayo, izingcindezi ziyafana: izicelo eziningi, umthetho oqinile, kanye nesidingo sokwenza izinqumo ezinhle ngokushesha. Isofthiwe yomhlinzeki wekhredithi eyakhelwe inhloso yakhelwe ukusekela leyo bhalansi.

Bona ukuthi Idatha Ehlelekile Yesikweletu Ikusiza Kanjani Ukwenza Izinqumo Ezihlakaniphile Zokuboleka

Ukuphatha umbiko okwenziwa ngesandla kanye namathuluzi e-ad hoc kudala izingqinamba, ukungahambisani, kanye nengozi yokuthobela imithetho. Isofthiwe yomhlinzeki wekhredithi eyakhelwe inhloso ibeka phakathi idatha yehhovisi, ibeka izinga lokuhlola, futhi igcina zonke izenzo zihloleka. Xhumana ukubhukha idemo futhi ubone ukuthi idatha yekhredithi ehlelekile kanye nemikhondo yokuhlola elungele umlawuli isebenza kanjani ekusebenzeni. Sizokukhombisa ukuthi imibiko esheshayo yezikweletu, izinkomba zokukholeka kanye nezingozi, nezindlela zocwaningo eziphelele zingasekela kanjani izinqumo zokuboleka ezisheshayo, ezingaguquki.