Ukuhlolwa Kwezikweletu Okuzenzakalelayo Kwababolekisi AbaNCAne e-SA
Umhlahlandlela osebenzayo wababolekisi abaNCAne ababhaliswe ku-NCR abasebenzisa ukuhlolwa kwekhredithi ngokuzenzakalelayo ngedatha ye-bureau ehlelekile, ukuqonda kokufinyeleleka, kanye nezilawuli zokuthobela.
Ababolekisi abaNCAne eNingizimu Afrika basebenza ngaphansi kohlaka lokulawula olufanayo nabanikezeli bezikweletu abakhulu. Umthetho Kazwelonke Wezikweletu (i-NCA) kanye NoMlawuli Kazwelonke Wezikweletu (NCR) zisebenzisa izimfuneko ezifanayo zokukwazi ukukhokhela, imibhalo, kanye nokugcinwa kwamarekhodi kungakhathaliseki ukuthi uyibhange noma umnikezi wesikweletu omncane obhalisiwe. Nokho ababolekisi abaningi abancane bathembele ekuhlolweni kwekhredithi okwenziwa ngesandla: ukudonsa ama-PDF ehhovisi, ukuwafunda ngesandla, nokwenza izinqumo ezisekelwe kokuhlangenwe nakho esikhundleni sokunquma okuhleliwe. Njengoba amanani ezicelo akhula futhi i-NCR yandisa umsebenzi wokuphoqelela, izinqubo ezenziwa ngesandla zenza izingqinamba, ukungahambisani, kanye nokuchayeka kokuthobela. Ukuhlola isikweletu okuzenzakalelayo akuseyona into ewubukhazikhazi - kuyisidingo sokusebenza.
Inselele Yokuhlola Yababolekisi Abancane
Ababolekisi abancane ngokuvamile basebenza namaqembu amancane, ngokuvamile phakathi kwabantu ababili nabayishumi abaphatha izicelo, ukuthobela, nokusebenza. Umthamo wezicelo ungaba phezulu uma uqhathaniswa nezinombolo zabasebenzi, ikakhulukazi ngezikhathi eziphakeme kakhulu noma lapho ukukhangisa kuqhuba imikhondo emisha. Amamajini aqinile kunasemabhange amakhulu, ngakho ukungasebenzi kuyabiza: ihora ngalinye elichithwa kufundwa umbiko mathupha noma ukufakwa kwedatha okuyimpinda kuthinta ngqo inzuzo. Ngesikhathi esifanayo, ubhekene nezidingo ezifanayo zokufinyeleleka kwe-NCA kanye nemibhalo njengezikhungo ezineminyango ethobelayo ezinikele. Kusafanele wenze ukuhlola okufanelekile kokukwazi ukukhokhela, ugcine imibiko yehhovisi kanye namarekhodi ezinqumo, futhi ukwazi ukubonisa ku-NCR ukuthi izinqumo zenziwa kanjani futhi kungani.
Ababolekisi abaningi abancane basadonsa ama-PDF ehhovisi ku-Experian, Datanamix, noma TransUnion,zivule kusibukeli, futhi ufunde amakhasi okuziphatha kwe-akhawunti, uhlu olubi, nomlando wokukhokha. Abahloli bakhipha izibalo ezibalulekile ngengqondo noma ngokubhala amanothi, bese beqhathanisa nemithetho yangaphakathi yokuboleka okungenzeka ibe khona kuphela ekhanda lothile noma ohlwini lokuhlola olungakahleleki. Izinqumo zenziwa ngokusekelwe kokuhlangenwe nakho nokwahlulela, okubalulekile, kodwa inqubo ihamba kancane, ayihambisani phakathi kwabahloli, futhi ayibhalwanga kahle. Uma i-NCR noma umcwaningi mabhuku ebuza ukuthi isinqumo esithile sifinyelelwe kanjani, ukwakha kabusha indaba kuma-PDF ahlakazekile nama-imeyili kunzima. Ibha yokulawula iyafana noma ngabe unabahloli ababili noma abangamakhulu amabili; umehluko wukuthi abahlinzeki abakhulu bavame ukuba nezinhlelo ezizinikezele kanye namaqembu okuhambisana nokuphatha umthwalo. Ukuze uthole umbono obanzi wokuthi isofthiwe yabahlinzeki bezikweletu ikusekela kanjani lokhu kugeleza komsebenzi, bona i-umhlahlandlela wesoftware yabanikezeli bezikweletu eNingizimu Afrika yethu.
Kungani Ukuhlola Mathupha Kungenzi Isikali
Njengoba umthamo ukhula, isikhathi sokuhlola asinciphi. Umbiko wehhovisi ngalinye usafika njenge-PDF okufanele ivulwe, ifundwe, futhi ihunyushwe. Akukho ukuhleleka okuzenzakalelayo kwedatha, awekho amamethrikhi okukwazi ukukhokhela abalwe kusengaphambili, futhi akukho kubuka okujwayelekile kwezinkomba zobungozi. Abahloli basebenza ngemibiko ngamunye ngamunye, futhi ukusilela emuva kukhula ngokulingana nevolumu yohlelo lokusebenza. Impendulo yemvelo iwukuqasha abasebenzi abaningi, kodwa lokho kwandisa izindleko ngaphandle kokubhekana nokungasebenzi kahle okuyisisekelo. Inqubo ngokwayo ihlala isenziwa ngesandla, futhi njengoba abantu abaningi abathintekayo, ukungaguquguquki kuvame ukuba kubi.
Ukungahambisani phakathi kwabahloli kwandisa ingozi ezenzakalelayo. Umhloli oyedwa angase agxile kakhulu ezikweletini zakamuva;omunye angase alinganise isikweletu ngemali engenayo kakhulu noma ahumushe “uhlu olubi” ngendlela ehlukile. Ngaphandle kwemibandela ehlelekile kanye nokubuka okwabiwe kwedatha, abafake izicelo ezifanayo bangathola ukwelashwa okuhlukile. Lokho kuhlukahluka kunzima ukukuthethelela kubalawuli futhi kungaholela kukho kokubili imiphumela engalungile kanye nezindaba zekhwalithi yephothifoliyo. Izikhala zemibhalo zandisa inkinga. Uma izinqumo zirekhodwa ngombhalo wamahhala noma ezinhlelweni ezihlukene nedatha yehhovisi, ukuxhumana phakathi kwalokho okuboniwe nalokho okunqunyiwe kuba buthaka. Izikhala ziba yizikweletu zocwaningo uma i-NCR noma umbuyekezi wangaphakathi engakwazi ukulandelela ukuhlola okuphelele. Ukuze uthole isiqondiso sokuhumusha imibiko ewumsuka ngokungaguquki, bona ufundwa kanjani umbiko wezikweletu eNingizimu Afrika.
Kusho Ukuthini Ukuzenzakalela Ekuhloleni Isikweletu
Ukuzenzakalela kulo mongo akusho ukufaka ukwahlulela komuntu esikhundleni sebhokisi elimnyama. Kusho ukuhlela idatha kanye nokuhamba komsebenzi ukuze abahloli basebenze ngokushesha nangokungaguquguquki ngenkathi isistimu ilungiselela kanye nemibhalo. Umuntu usanquma; isistimu ingenisa idatha ye-bureau, iyethule ngefomethi evamile, futhi irekhoda zonke izinyathelo zokuthobela.
Ukufakwa kwedatha ye-othomathikhi ye-bureau kusho ukuthi uma umbiko ukhishwa, idatha eluhlaza iyahlukaniswa futhi yenziwe ibe yizinkambu ezihlelekile: ama-akhawunti, ukuziphatha, amabhalansi, ulwazi olubi. Abahloli babona izinkomba eziyinhloko zengozi ngesakhiwo esingaguquki esikhundleni sokuzingela ngamakhasi e-PDF. Izibalo zokufinyeleleka ezilungiselelwe kusengaphambili - isikweletu-emalini engenayo, isitolimende-emalini engenayo, noma amafomula akho - angasetshenziswa kusetshenziswa okokufaka okufanayo ngaso sonke isikhathi, kuncishiswe amaphutha okubala nokuqinisekisa indlela yokusebenza ehambisana ne-NCA.Ukutholwa kohlu olubi nokuhlaba umkhosi kungagqamisa izahlulelo, okuzenzakalelayo, noma olunye ulwazi olubi ukuze kungabikho lutho olugejiwe. Isistimu ingakwazi ukufaneleka kwezicelo ngokumelene nemithetho yakho yangaphakathi yokuboleka, iveze ukudlula okucacile/ukufeyila noma idlulisele imiphumela kuyilapho ishiyela umhloli isinqumo sokugcina. Kuwo wonke, yonke i-bureau idonsa, ukubala, kanye nesinqumo kungenziwa isitembu sesikhathi futhi kuchasiselwe, sikhiqize umkhondo wokucwaningwa kwamabhuku ohlangabezana nokulindelwe yi-NCR. Umphumela uba ukuthi uhlole izinhlelo zokusebenza eziningi ngethimba elifanayo futhi unciphise ubungozi obuzenzakalelayo ngokusebenzisa imibandela engaguquki, ngaphandle kokukhipha umhloli onolwazi ku-loop. I-Automation isekela umhloli; ayizimiseleli.
Izindawo Ezibalulekile Lapho Ababolekisi Abancane Bangakwazi Ukuzenzakalela
Izindawo eziyisithupha zinikeza umthelela ophakeme kakhulu kubabolekisi abancane: ukuphathwa kwemibiko ye-bureau, ukukwazi ukuthenga nokubalwa kwemali engenayo nesikweletu, ukutholwa kohlu olubi, ukufaneleka kwangaphambili ngokumelene nemithetho yangaphakathi, imibhalo yezinqumo kanye nomkhondo wokucwaninga, nokugcinwa kwemibiko nokubuyiswa. Ukubhekana nalokhu ngokulandelana kwezindawo zakho ezinkulu zobuhlungu kuzoletha imiphumela ngaphandle kokudinga ukukhishwa okuphelele nokufaka esikhundleni semikhuba ekhona.
Umbiko wehhovisi uyadonsa kanye nokwakhiwa kwedatha. Ngaphambi kokuzenzakalela, umhloli ungena engosini yehhovisi eyodwa noma ngaphezulu, acele umbiko, alande i-PDF, futhi ayifunde mathupha. Ngemva kokuzenzakalela, umbiko ukhishwa ngaphakathi kokuhamba komsebenzi wakho (noma kunkundla ehlanganisiwe), futhi idatha ihlukaniselwa izinkambu ezihlelekile. Ama-akhawunti, ukuziphatha kokukhokha, ibhalansi, nolwazi olubi luvela ngombono ojwayelekile. Abahloli bachitha isikhathi esincane bethola ulwazi kanye nesikhathi esiningi behlolayona. Idatha ehlelekile efanayo ingashayela izinyathelo ezilandelayo: izibalo zokukwazi ukuthengeka, ukuhlola okungekuhle, kanye nemibhalo yezinqumo.
Ukukwazi ukuthengeka nokubala kwesikweletu-kuya-kwimali engenayo. Mathupha, ungase uthathe izibalo ku-PDF, uzifake kusipredishithi noma isibali, futhi usebenzise imingcele yenqubomgomo yakho. I-automation ivumela imali engenayo, isikweletu esikhona, kanye nezitolimende ezihlongozwayo ukuthi zifakwe kumafomula alungiselelwe kusengaphambili. Izikweletu zokuthola imali engenayo kanye namanye amamethrikhi okukwazi ukuzikhokhela abalwa ngokuqhubekayo kulo lonke uhlelo lokusebenza, aqondaniswe nokuthi Izidingo zokufinyeleleka kwe-NCA. Okokufaka nemiphumela kugcinwa nohlelo lokusebenza, ngakho-ke indlela yokusebenza ibhalwe phansi futhi ikwazi ukukhiqizwa kabusha.
Ukutholwa kohlu olubi nokuhlatshwa umkhosi. Ku-PDF, ulwazi olubi lungangcwatshwa ngezigaba ezinde. Amasistimu azenzakalelayo angancozulula idatha engalungile futhi ahlabe umkhosi izahlulelo, okuzenzakalelayo, ukubuyekezwa kwezikweletu, noma okunye ukufakwa kuhlu okubalulekile kunqubomgomo yakho. Abahloli bayalwa ukuthi bacabangele lezi zinto ngokucacile, banciphise amathuba okuthi izinkomba ezinobungozi obukhulu zinganakwa. Amafulegi ayingxenye yerekhodi elifanayo nedatha ye-bureau kanye nesinqumo, ukuqinisa umkhondo wokucwaningwa kwamabhuku.
Iziqu zangaphambili uma kuqhathaniswa nemithetho yokuboleka kwangaphakathi. Ungakwazi ukufaka ikhodi yenqubomgomo yakho - imali encane engenayo, umkhawulo wesikweletu emalini engenayo, okungafakwanga kwezehlakalo ezithile ezimbi - emithethweni elungisekayo. Isistimu ingakwazi ukufaneleka kwezicelo futhi iveze umphumela onconyiwe (igunyaze, inqabe, idlulisele) kuyilapho lisadinga umhloli ukuthi aqinisekise futhi abhale phansi isinqumo sokugcina. Lokhu kusheshisa amacala acacile futhi kuqinisekisa ukuthi amacala asemngceleni athola ukuhlolwa okufanayo.
Imibhalo yesinqumo kanyeumkhondo wokucwaninga. Ngokuzenzela, isizathu sivame ukuthayipha ohlelweni oluhlukile noma lugcinwe kuma-imeyili. Ngokuzenzakalela, isinqumo nezizathu zirekhodwa endaweni efanayo nedatha ye-bureau nezibalo. Ukudonsa ngakunye kwehhovisi kunesitembu sesikhathi futhi kudalulwe; isinqumo ngasinye sixhunywe kudatha esazisile. Wakha amarekhodi alungele ukuhlolwa njengengxenye yokuhamba komsebenzi esikhundleni sokuyakha kabusha ngokuhamba kwesikhathi.
Bika isitoreji nokubuyiswa. Ama-PDF akumafolda abelwene noma amabhokisi okungenayo kunzima ukuwasesha futhi axhunywe ezinhlelweni ezithile. Ukugeleza komsebenzi okuzenzakalelayo ngokuvamile kunamathisela umbiko ngamunye kuhlelo lokusebenza olulungile futhi kuwugcine ngemethadatha egcwele. Uma udinga ukubuyisa umbiko wokucwaningwa kwamabhuku, isikhalazo, noma ukucutshungulwa kabusha, uyatholakala futhi uhlanganiswe ngokucacile esinqumweni esiwusebenzisile. Lokho kunciphisa isikhathi esichithwa kuzingela amafayela omlando futhi kuqinisekisa ukuthi uma i-NCR icela ubufakazi, ungaveza umbiko oqondile owasetshenziselwa isinqumo esinikeziwe ngaphandle kokungaqondakali.
Izinzuzo Zokuhambisana Nokuhlola Okuzenzakalelayo
I-Automation isekela ukuthobela kwe-NCA ngezindlela ezibambekayo. Ukusetshenziswa okungaguquguquki kwemibandela yokuboleka kusho ukuthi abafake izicelo ezifanayo bahlolwa kusetshenziswa indlela efanayo; lokho kunciphisa ubungozi bemiphumela engenamthetho noma ebandlululayo futhi kwanelise okulindelwe ngabalawuli ngenqubo enobulungiswa, ephindaphindwayo. Ukuhlola ukukwazi ukuthenga okubhalwe phansi kubonisa ukuthi wenze ukuhlaziya okudingekayo usebenzisa imibono ecacile nendlela yokusebenza, okuyilokho kanye i-NCR ekubukayo lapho ibuyekeza ukuboleka okufanele. Izinqumo ezilandelekayo zisho ukuthi yonke imiphumela ingaxhunyaniswa nedatha yehhovisi,izibalo, kanye nezizathu, ukuze kuthi uma i-NCR noma umcwaningi mabhuku ebuza ukuthi isinqumo senziwe kanjani, ukwazi ukukhiqiza irekhodi eliphelele. Amarekhodi alungele ukucwaninga akhiqizwa ngesikhathi sokuhlolwa kunokuba akhiwe kabusha ngemva kweqiniso, anciphisa ubungozi bokulawula kanye nengcindezi yokuqoqwa kwemibhalo ngomzuzu wokugcina. Inzuzo ayigcini nje ngokulondolozwa isikhathi kodwa amathuba aphansi okutholwa kokuthobelana. Ukuthola isithombe esigcwele sezibopho zakho, bona i-Umhlahlandlela wokuhambisana noMthetho Wezikweletu Kazwelonke yethu.
Ukuqalisa Nge-Credit Assessment Automation
Qala ngebhodlela levolumu ephezulu kakhulu. Kwababolekisi abancane abaningi, lokho ukuhlela idatha ye-bureau: ukusuka ekufundweni kwe-PDF kuya kudatha ye-bureau ehleliwe abahloli abangayihlola ngokushesha nangokungaguquguquki. Qinisekisa ukuthi noma iliphi ithuluzi olicabangelayo lisekela izikhungo zaseNingizimu Afrika - i-Experian, i-Datanamix, ne-TransUnion - nokuthi leyo datha yethulwa ngefomethi ehambisana nendlela ohlola ngayo ubungozi. Bheka imithetho elungisekayo yokuboleka kunezifanekiso eziqinile; inqubomgomo yakho izoshintsha, futhi isistimu kufanele ikuvumele ukuthi ulungise ama-threshold kanye nemibandela ngaphandle kokuthuthukiswa ngokwezifiso. Beka kuqala amakhono okulandelela ukuhlolwa kusukela osukwini lokuqala: ukudonsa okunesitembu sesikhathi, incazelo yomsebenzisi, kanye nemibhalo yezinqumo ehambisana nerekhodi elifanayo. Ngaleyo ndlela, ukuthobela kwakhelwa ohlelweni kunokuba kwengezwe kamuva. Okokugcina, faka abahloli bakho ekukhetheni nasekukhishweni. Bayazi lapho ukungqubuzana kukhona; okokufaka kwabo kuzokusiza ukuthi wenze izinyathelo ezifanele futhi ugcine ukwahlulela komuntu lapho kubalulekile. Ithuluzi elingena ekuhambeni komsebenzi wabo elikhona lizokwamukelwa kalula kunalelo elizwakala njengengqimba eyengeziweinqubo.
Bona Ukuthi Ukuhlola Okuzenzakalelayo Kwekhredithi Kusebenza Kanjani
Ukuhlolwa kwekhredithi okwenziwa mathupha kukhawulela ukuthi zingaki izicelo ongazicubungula, kwethula ukungahambisani, futhi kushiye ukuthobelana kuyinhlanhla. Ababolekisi abancane abasebenzisa idatha yekhredithi ehlelekile kanye nokugeleza komsebenzi okuzenzakalelayo bahlola izinhlelo zokusebenza eziningi nethimba elifanayo, basebenzisa imibandela ngokungaguquguquki, futhi bagcine amarekhodi alungele ukuhlolwa ngomzamo omncane. Bona ukuthi i-EvalFin isiza kanjani ababolekisi abancane basebenzise idatha yekhredithi ehlelekile kanye nokugeleza komsebenzi okuzenzakalelayo ukuze bahlole izinhlelo zokusebenza eziningi, ngokungaguquki, ngobungozi obuncane. Xhumana ukuyibona isebenza.