Isoftware Yokwelulekwa Ngezikweletu eNingizimu Afrika

Amafemu aseNingizimu Afrika aluleka ngezikweletu athembele kakhulu emibikweni yezikweletu ukuze ahlole izimo zamaklayenti futhi enze izinqumo ezivumelanayo. Nokho idatha eminingi ifika njengama-PDF amile, okwenza ukuhlaziya kuhambe kaNCAne, kube namaphutha, futhi kube nzima ukukuthethelela ngesikhathi sokuhlolwa kwamabhuku. Njengoba ama-caseloads akhula kanye nokulindelwe kokulawula kukhuphuka, izinqubo ezenziwa ngesandla azisalingani.

Amafemu ake aphatha idlanzana lamacala angazithola ecwila emaphepheni lapho umthamo ukhula. I-National Credit Regulator (NCR) ilindele imibhalo ecacile yokuthi izinqumo zifinyelelwe kanjani, futhi amakhasimende afanelwe iseluleko esingaguquki, esivikelekayo. Ngaphandle kwamathuluzi afanele, abeluleki bezikweletu bachitha isikhathi esiningi belwa nemibhalo kunokusiza abantu. Lesi sihloko sichaza ukuthi kungani i-software ezinikele yokwelulekwa ngezikweletu eyakhelwe imininingwane yedatha yezikweletu yaseNingizimu Afrika ibalulekile—nokuthi yini okufanele uyibheke uma usulungele ukwedlula ama-PDF nama-spreadsheet.

Inkinga Yangempela Ngemibiko Yesikweletu Se-PDF

Izikhungo zezikweletu ezifana ne-Experian ne-Datanamix ziyimithombo ebalulekile yeqiniso yokwelulekwa ngezikweletu. Idatha abayinikezayo ithembekile; inkinga ukulethwa. Imibiko ngokuvamile ifika njengama-PDF—imibhalo engahlelekile eklanyelwe ukufundwa kwabantu, hhayi ukuhlaziya okuhlelekile. Njalo uma umeluleki evula ifayela, kufanele askene amathebula mathupha, ahumushe amakhodi, futhi ahlanganise ngengqondo iphrofayela yesikweletu yekhasimende. Leyo nqubo ihamba kancane, futhi ayithuthuki lapho i-caseload ikhula.

Ngenxa yokuthi ulwazi lukhiyiwe ngaphakathi kwama-PDF, ayikho indlela elula yokuqhathanisa umbiko owodwa komunye noma ukulandelela ukuthi isimo seklayenti sishintshe kanjani ngokuhamba kwesikhathi. Umeluleki angase athole isibuyekezobika ngemva kwezinyanga futhi ungenayo indlela ehlelekile yokubona ukuthi yini ethuthukile noma eyonakele. Umongo womlando uhlala kuphela enkumbulweni noma kumanothi abhalwe phansi, hhayi ngefomethi esekela ukuthathwa kwezinqumo okungaguquki noma ukubuyekezwa kocwaningo.

Ngokombono wokuthobela, ukuhamba komsebenzi okusekelwe ku-PDF kuntekenteke. Uma i-NCR noma umcwaningi mabhuku wangaphakathi ebuza ukuthi isincomo esithile sifinyelelwe kanjani, impendulo ngokuvamile incike ekwakhiweni kabusha kwezinyathelo ezivela emibikweni ephrintiwe kanye namanothi esikhashana. Akuvamile ukuthi kube nerekhodi elicacile, elinesitembu sesikhathi sokuthi iyiphi idatha esetshenzisiwe, yiziphi izibalo ezisetshenzisiwe, noma ukuthi umphumela wabhalwa kanjani. Ukungezwani phakathi kwamacala kuba nokwenzeka kakhulu lapho umeluleki ngamunye etolika ama-PDF afanayo ngokuhlukile kancane.

Ibhodlela akuyona ikhwalithi yedatha ye-bureau; kuyifomethi. Ngisho nemithombo ethembeke kakhulu iba yisithiyo lapho okukhiphayo kungakwazi ukuhleleka kalula, kuqhathaniswe, noma kulandelelwe. Isofthiwe yokwelulekwa ngezikweletu ebhekana nale nkinga ayithathi indawo yehhovisi—yenza idatha yehhovisi isebenziseke ngezinga eliqinile elifunwa umkhuba wesimanje.

Kungani I-Excel kanye Namathuluzi Ajwayelekile Engakali

Amafemu amaningi aluleka ngezikweletu aqala nge-Excel noma amaspredishithi afanayo ukuze ahlele idatha yamakhasimende kanye nokubala. Ngenani elincane lamacala, lokho kungasebenza. Kodwa njengoba umkhuba ukhula, amaspredishithi embula ukulinganiselwa okukhulu. Idatha ikopishwa isuka kuma-PDF iye kumaseli, ifakwe ukhiye kabusha lapho imibiko ibuyekezwa, futhi iphindwe kuwo wonke amafayela amaningi. Awukho umthombo owodwa weqiniso: “uhlu lwamakhasimende” lomeluleki oyedwa lungase lungafani nolomunye, futhi ukulawulwa kwenguqulo kuncike emagameni efayela kanye nemanuwali.isiyalo.

Ukunikezelana phakathi kwamalungu eqembu kuba yingozi. Lapho othile ehamba noma eya ekhefini, amafayela abo e-Excel angase angaphelele, aqanjwe ngendlela eguquguqukayo, noma agcinwe ezindaweni ezihlukene. Abasebenzi abasha kufanele bahlehlise unjiniyela ukuthi izinombolo zatholwa kanjani nokuthi yiluphi uhlobo lombiko olusetshenzisiwe. Ukulandelelwa kubuthakathaka lapho kubaluleke kakhulu—ngesikhathi socwaningomabhuku noma isikhalazo seklayenti.

Ngevolumu ethile, i-Excel ayigcini nje ngokuphazamisa; kuyingozi. Amaphutha efomula angasabalala emigqeni yonkana. Idatha yeklayenti ezwelayo ihlezi kumafayela athunyelwe nge-imeyili noma alondolozwe kumadrayivu abiwayo ngaphandle kwezilawuli zokufinyelela nezindlela zokuhlola ezilindelwe yizindawo ezilawulwayo. Imikhuba ekhulisa amaspredishithi kodwa eqhubeka nokuwasebenzisa ngokuvamile ithola ukuthi izindleko zokulungisa amaphutha nokuphendula izicelo zokuthobela imithetho zidlula izindleko zokwamukela isofthiwe efanele.

Amathuluzi ajwayelekile awazange akhelwe ukugeleza komsebenzi wokwelulekwa ngezikweletu. Abazi mayelana nezinhlaka zombiko we-Experian noma we-Datanamix, izimfuneko zamadokhumenti e-NCR, noma isidingo sokuxhumanisa izinqumo zibuyele kudatha ethile yekhredithi. Isofthiwe yokwelulekwa kwezikweletu ezakhelwe ngenhloso igcwalisa leso sikhala ngokuphatha imibiko yezikweletu nezinqumo zamacala njengezinto ezisezingeni lokuqala, hhayi njengombhalo kumaseli.

Okufanele Ukwenze Isofthiwe Yesimanje Yokwelulekwa Ngezikweletu

Isofthiwe yesimanje yokwelulekwa ngezikweletu kufanele iguqule ukuphuma kwehhovisi okungavuthiwe kube impahla ehlelekile, elungele izinqumo. Imfuneko yokuqala ukuhlela okuzenzakalelayo kwedatha yombiko wesikweletu: esikhundleni sokuthi abeluleki babhale kabusha noma bakopishe kuma-PDF, isistimu kufanele ingenise futhi ihlukanise okuqukethwe kombiko ukuze ama-akhawunti, amabhalansi, imilando yokukhokha, namafulegi kube khona.itholakala njengezinkambu eziseshekayo, ezifanayo. Lokho kungase kusho ukuhlanganiswa ne-Experian, Datanamix, TransUnion, noma abanye abahlinzeki—noma ukugeleza komsebenzi okucacile kokulayisha nokudlulisa imibiko ukuze idatha yenziwe ibe yejwayelekile endaweni eyodwa.

I-interface kufanele isekele ukuthathwa kwezinqumo, hhayi nje isitoreji. Abeluleki badinga umbono ocacile, ofundekayo wesikhundla seklayenti ngalinye: lokho abalikweleta, kubani, nokuthi iphrofayela yabo ishintshe kanjani ngokuhamba kwesikhathi. Isofthiwe kufanele igcine umbiko wangempela ukuze uthotshelwe ngenkathi yethula izifinyezo, amathrendi, nezixwayiso ezisiza ukubeka phambili amacala futhi ithethelele izincomo. Uma umeluleki encoma ukuhlelwa kabusha noma umyalelo othile wokukhokha, leso sinqumo kufanele sixhunywe kudatha ewumsuka futhi sifakwe isitembu sesikhathi.

Ngokuhamba kwesikhathi, uhlelo kufanele lulandele izinguquko nezinqumo. Isilinganiso sesikweletu nemali engenayo seklayenti sihambe kanjani phakathi kokuhlola? Yiziphi izindaba ezafakwa kulesi siphakamiso, futhi ngani? Lolu hlobo lomlando lubalulekile ekuqinisekiseni ikhwalithi yangaphakathi nasekuboniseni indlela yokusebenza phakathi nokubuyekezwa kwe-NCR. Amathuluzi angcono kakhulu aphinde asekele amapharamitha aqondene nefemu ethile: imithetho yangaphakathi yamaphuzu, ama-threshold, noma izinhlu zokuhlola ezibonisa izindinganiso zalo mkhuba kanye nesifiso sokudla engcupheni.

Ngamafuphi, isofthiwe kufanele yenze idatha yekhredithi isebenze. Kufanele inciphise isikhathi esichithwa ekufakweni nasekuchazeni idatha mathupha, inciphise amaphutha ekukopisheni phakathi kwamadokhumenti, futhi idale isisekelo sokuthatha izinqumo okungaguquki, ezihlolekayo kulo lonke udaba.

Yakhelwe Ukuthobela kanye Nokulungela Ukucwaninga

Ukwelulekwa ngezikweletu kuwumsebenzi olawulwayo. I-NCR ilindele ukuthi amafemu enze kanjalobhala ukuthi bawahlola kanjani amaklayenti futhi bafinyelele izincomo. I-software eyakhiwe ngokuhambisana emqondweni igcina umkhondo wokucwaningwa kwamabhuku ogcwele: ubani obuke noma osebenzise ukuthi yimuphi umbiko, nini; yiziphi izibalo noma amaphuzu asetshenzisiwe; nokuthi isinqumo sokugcina saqoshwa kanjani. Leyo ndlela kufanele ibonakale iphazamisekile futhi ithekeliseke, ukuze yethulwe ngesikhathi sokubuyekezwa ngaphandle kokuphenya ngama-imeyili namafayela axegayo.

Amadokhumenti angaguquki enye inzuzo. Lapho zonke izimo zicutshungulwa ngokugeleza komsebenzi ofanayo, izinqumo zibhalwa ngendlela efanayo. Abacwaningi mabhuku kanye ne-NCR babona indlela ephindaphindwayo, hhayi i-patchwork yamanothi e-ad hoc. Lokho akusho ukususa ukwahlulela kochwepheshe—kusho ukuqinisekisa ukuthi isahlulelo sisetshenziswa ngaphakathi kohlaka olucacile nokuthi ukucabanga kuyabonakala.

Isofthiwe enesibopho ayishintshi i-bureau noma idlule idatha yayo. Isebenzisa idatha yehhovisi ngaphakathi kwendawo elawulwayo: imibiko yoqobo iyagcinwa, izinguquko zifakiwe, futhi isixhumanisi phakathi kwedatha yomthombo nomphumela sisobala. Leyo ndlela inciphisa ubungozi bokusebenza nezomthetho futhi isiza izinqubo zibonise ukuthi zithatha ukuthobela ngokungathi sína. Kumafemu alungiselela ukukhula noma ukwanda kokuhlolwa kokulawula, amasistimu alungele ukucwaninga awawona okuzikhethela—ayingxenye yendlela yokwenza umsebenzi.

Ikesi Lokusetshenziswa Okujwayelekile

Cabangela inkampani yokwelulekwa ngezikweletu elawula inqwaba noma amakhulu amacala asebenzayo. Iklayenti ngalinye lingase libe nemibiko eminingi yezikweletu ngesikhathi sokuphila kwecala—ukuhlola kokuqala, izibuyekezo phakathi nenqubo, nokuhlolwa kokugcina ngaphambi kokuvunyelwa. Inkampani kumele iqhathanise futhi ihumushe le mibiko,thethelela izincomo kumakhasimende nakubakweletwayo, futhi uqinisekise ukuthi wonke amafayela ayafana futhi aphelele. Ukwenza lokhu ngama-PDF nama-spreadsheet kusho ukuthi abeluleki bachitha amahora amaningi ekufakweni kwedatha, ukuhlola okuphambene, futhi befuna inguqulo elungile yeqiniso.

Ngokuhlanganisa kanye nokuhlela idatha yekhredithi kuma-software azinikele, ifemu efanayo ingonga isikhathi emisebenzini ephindaphindwayo, inciphise amaphutha ekukhipheni kabusha ukhiye okwenziwa ngesandla, futhi ithuthukise ikhwalithi yesinqumo ngoba isithombe esigcwele sibonakala endaweni eyodwa. Amalungu eqembu amasha angafakwa kusistimu eyodwa enokugeleza komsebenzi okucacile, futhi ukunikezela akusancikile ekuchazeni isipredishithi somunye umuntu. Uma i-NCR noma umcwaningi mabhuku ecela ubufakazi, inkampani ingaveza umkhondo wocwaningomabhuku ohambisanayo esikhundleni sokuwuhlanganisa emibhalweni ehlakazekile.

Umphumela uwumkhuba olinganisa ngokuzethemba: amacala amaningi asingathwa ngaphandle kokwenyuka okulinganiselwe komthwalo wokuphatha, nezinqumo ezivumelanayo nezivikelekayo. Lokho kuyinzuzo ebonakalayo yesofthiwe yokwelulekwa ngezikweletu eyakhelwe ochwepheshe bezikweletu baseNingizimu Afrika.

Le Software Ngekabani

Lolu hlobo lwesofthiwe luhloselwe abeluleki bezikweletu abanelayisensi kanye namafemu ahlelekile anamacala akhulayo. Okwezinqubo ezifuna ukwenza izinqumo ngobungcweti—lapho ukungaguquguquki, imibhalo, nokucaca kuyizinto eziza kuqala. Futhi kungokwamathimba abona ukucutshungulwa kokugcinwa kwemithetho kwanda futhi afuna ukulungela: hhayi ngokungeza ukuhlola okwenziwa mathupha okwengeziwe, kodwa ngokushumeka ukuhloleka kokusebenza kwansuku zonke.

Uma inkampani yakho isathembele emibikweni yezikweletu ze-PDF namaspredishithi, futhi uzizwa kanjaloubunzima njengoba ivolumu noma okulindelwe okulawulwayo kukhuphuka, niyizethameli ncamashi. Umgomo awukona ukufaka esikhundleni sobuchwepheshe esikhundleni sobuchwepheshe, kodwa ukunikeza abeluleki bezikweletu amathuluzi abawadingayo ukuze basebenze ngokushesha, ngokunembe kakhudlwana, kanye nomkhondo wobufakazi obulindelwe yi-NCR namakhasimende.

Yibone Isebenza

Xhumana ukuze ubhukhe idemo futhi ubone ukuthi ukuhlaziya umbiko wesikweletu ohlelekile kungakushintsha kanjani ukugeleza komsebenzi wakho wokwelulekwa ngezikweletu. Sizokubonisa ukuthi idatha ye-bureau evela ku-Experian, Datanamix, neTransUnion ingafakwa kanjani endaweni eyodwa, ihlaziywe, futhi ibhalwe endaweni eyodwa yokusebenza—ukuze uchithe isikhathi esincane emsebenzini wamaphepha kanye nesikhathi esengeziwe usiza amakhasimende.