Ngaba uyagula kukuziva ungakhululekanga xa uphethe isixa esikhulu semali?
Ngoku kulula kunangaphambili ukugcina imali yakho ikhuselekile ngelixa ufumana imbuyekezo exabisekileyo ngenxa yokukhula kwezipaji zedijithali eIndiya.
Ukukunceda wandise iimali zakho, siza kujonga i-9 wallet yedijithali ephezulu ebuyisela imali eIndiya kwesi sithuba. Ukusuka kwi-Paytm ukuya kwi-PhonePe, sikuphathele.
Izipaji zedijithali zinika umvuzo kunye nezaphulelo kwizinto ezithengiweyo, njengokuthenga kunye namatyala, ukongeza ekwenzeni iintlawulo kunye nokudlulisela imali. Ke, ezi wallets zedijithali ziyakwenza ukuba wenze Gcina imali kwaye ulungelelanise ubomi bakho nokuba ungumfundi, usomashishini, okanye umenzi wekhaya. Usabambe ntoni?
Masiqalise kwaye sifumane i-wallet yedijithali efanelekileyo kuwe.
1. IfowuniPe
I-PhonePe yinkampani yeentlawulo zedijithali eziye zaphakama eIndiya ngenxa yokuzibophezela ekugqweseni kunye nobuchwepheshe obutsha. Eyasungulwa ngoDisemba 2015 kwaye ikomkhulu laseSingapore, i-PhonePe iye yacutshungulwa ngaphezu kwe-2 yeebhiliyoni zentengiselwano kwaye inikwe umvuzo 'wokuGqwesa kwi-Inshurensi'.
Ibe yinkokeli yemarike kwindawo yentlawulo yedijithali yaseIndiya kwaye iyaziwa ngokujongana nomsebenzisi-friendly kunye noluhlu olubanzi lweempawu. Nokuba yeyokudluliselwa kwemali okanye iinkonzo ze-inshurensi, i-PhonePe lukhetho oludumileyo phakathi kwabathengi baseIndiya ngokuthembeka kunye nokhuseleko.
Inkqubo yomvuzo
- I-PhonePe ivuza abasebenzisi bayo ngeendlela ezintathu
- Imali ebuyayo: - Fumana imbuyekezo yemali ngamakhadi okuqala xa uhlawula kwi-app ye-PhonePe, enokusetyenziselwa ukuhlawula iintlawulo ezizayo kwi-app.
- Ivula:-Fumana izibonelelo ezenzelwe wena ngokusekwe kusetyenziso lwakho kunye nomsebenzi, onokuthi usebenze kwicandelo lemivuzo kwaye usetyenziswe ngokuzenzekelayo kwiintlawulo zakho.
- Iibhondi:-Vuna izibonelelo zeekhowudi zekhuphoni ezikhethekileyo xa usebenzisa iFowuniPe's Tshintshela iapp, okanye iapp yomthengisi/iwebhusayithi, ehlawulelwa iintlawulo ezizayo.
2. Hlawula TM
I-Paytm, eyasekwa nguVijay Shekhar Sharma, nguvulindlela kwindawo yentlawulo yedijithali yaseIndiya, emva kokuba iqalile inguqu yedijithali eIndiya. Ngekomkhulu layo eliseNoida, inkampani ikhule yaba yenye yezona wallet zedijithali zisetyenziswa kakhulu eIndiya.
I-app ye-Paytm yenza yonke into yetransekshini yedijithali, njengokuhlawula amatyala, ukutshaja ngokutsha, ukuthumela imali, kunye nokubhukisha iimuvi namatikiti. Iinkonzo zayo ezibanzi zenze ukuba kube lula ukukhetha amaIndiya angaphezu kwezigidi ezingama-300 ayisebenzisayo ukuhlawula kwiivenkile zabo zasekhaya. I-Paytm ikwanike amandla ngaphezu kwezigidi ezingama-20 zabarhwebi kunye namashishini, nto leyo eyenza ukuba ibe ngomnye wabadlali abanempembelelo kushishino.
Inkqubo yomvuzo
- Fumana amanqaku embuyekezo ngokwenza iintlawulo zetyala kwi-Paytm app
- Sebenzisa amanqaku akho kwiivawutsha zesipho kunye namakhadi esipho kubathengisi abadumileyo abanjengoMyntra kunye noFlipkart
- Thatha ithuba kwiintengiso ezikhethekileyo kunye nezaphulelo kwimirhumo yeenkonzo ezifana neZomato Pro kunye neSony Liv
- Zuza kunikezelo lwexesha eliqingqiweyo kwiimveliso ezithotywe kakhulu ngePaytm's Hot Deals
- Yonwabela amaxabiso akhethekileyo kwiindidi zeShishini zePaytm, ezinje ngokuTshajwa kwakhona kwe-DTH, iBhasi/ukubhukisha ngeFlight, kunye neFASTag
- Dlala imidlalo kwiMidlalo yokuQala yePaytm kwaye uphumelele umvuzo onomdla.
- Ungaguqula la manqaku ube yimali yokwenyani, eya kuthi ifakwe kwi-wallet yakho yePaytm.
3. AmazonPay
Impumelelo yeAmazonPay eIndiya kungenxa yobulula bayo, ukhuseleko, kunye noncedo. Ukuqala kweAmazon eIndiya kuthetha ukuba abasebenzisi banokusebenzisa iakhawunti yabo yeAmazon ukuthenga kuwo onke amashishini kunye namaqonga. Isisombululo silungelelanisa inkqubo yokukhangela ngokususa imfuno yokuba abathengi bafake rhoqo ulwazi lomntu okanye lwemali.
IAmazonPay yenza kube lula kwaye kukhuseleke kubathengi ukuba basebenzise iintlawulo zedijithali, nto leyo eyenze ukuba ibe ngumthathi-nxaxheba owomeleleyo kwimarike yaseIndiya. Ngaphaya koko, ifemu ibambisene nabathengisi abaninzi kunye namaqonga okubonelela amalungu ayo ngemivuzo kunye nezaphulelo.
Inkqubo yomvuzo
- Fumana ithuba lokuphumelela amakhadi okukrwempa ngalo lonke ixesha uhlawula okanye uthengisa
- Phumelela ngakumbi imivuzo ngokuthumela imali kubahlobo nakusapho lwakho
- Fumana unikezelo lomntu siqu kunye nolubonakalisiweyo kunye nembuyiselo yemali kwizinto ezahlukeneyo kubandakanya izixhobo, i-elektroniki, iincwadi, imidlalo kunye nobucwebe.
- Thatha isithuba se super inikeza. Kukho iintlobo ezi-3 zonikezelo:
- hamba kumaqonga afana no-Ola, Uber, Rapido, njl
- Izibonelelo eziyimfuneko zasekhaya kwi-Pharmeasy, iZepto, inkampani yaseDolophini, njl
- izibonelelo zefashoni ekuthengeni kwaLevi, uLouis Philippe, uHidesign, njl.
4. Iipokotho ze-ICICI Bank
Ngoncedo lweePokethi ze-e-wallet ezifanelekileyo yi-ICICI Bank, abathengi bayo nayiphi na ibhanki banokulawula imali yabo kwaye benze iintlawulo ngokuhamba ngokulula. I-firm ifuna ukwenza ukuthengiselana ngemali kube lula, kunye ne-VISA-powered e-wallet, equka inani leempawu ezenza kube yinto ekhuselekileyo neyisebenzayo yokuphatha imali yakho, iphumelele.
Unokuthenga kwi-intanethi okanye kwivenkile, utshaje ifowuni yakho, uthumele imali kubantu obathandayo, kunye nokunye ngeePokotho. Ikhadi lokuthenga elibonakalayo elinikezelwa yiPockets, elingasetyenziselwa ukuthenga kuyo nayiphi na i-intanethi okanye ivenkile ebonakalayo, ibeka ngaphandle kokhuphiswano. Iipokotho ze-ICICI Bank sisisombululo ukuba ukhangela indawo yokumisa enye yazo zonke iimfuno zakho zemali.
Inkqubo yomvuzo
- Abathengi banokufumana amanqaku okuvuza kuyo yonke intengiselwano eyenziwe kusetyenziswa iiPockets e-wallet.
- La manqaku anokuthi ahlawulelwe kwiintlobo ezahlukeneyo zokubonelela kunye nezaphulelo ekuthengeni, ukuhamba, kunye nokunye.
- Iipokotho nazo zinenkqubo yokuthunyelwa apho abathengi banokufumana amanqaku okuthumela abahlobo kunye nosapho ukuba babhalisele i-wallet.
- Iipokotho nazo zinezivumelwano ezikhethekileyo kunye nonikezelo kubathengi bayo, njengemali ebuyisiweyo ekuhlawulweni kweebhili kunye nokutshaja kwakhona.
- Abathengi banokuthatha inxaxheba kwiiPocket quizzes kunye nokhuphiswano lokuphumelela imivuzo kunye namabhaso.
- Ezinye zezibonelelo ezisebenzayo ziquka
- Yonga i-30% xa uhlawula ngekhadi letyala le-ICICI Bank
- Yonwabela isaphulelo sika-12% ukuya kuthi ga kwi-Rs.1800 kwiinqwelomoya zasekhaya nge-Yatra
- Fumana isaphulelo se-12% kwi-Club Mahindra Holiday GoZest Ubulungu kunye nokunye!
5. Intlawulo yasimahla
I-Axis Bank Limited, enye yeebhanki eziphambili zecandelo labucala laseIndiya, iseke i-Freecharge ngoSeptemba 2015 njengenkampani ephantsi kwayo yonke.
Umbutho ufuna ukwandisa ukusebenziseka kwabathengi kunye nokufikeleleka kweentlawulo zedijithali. I-wallet yedijithali ye-Freecharge ivumela abathengi ukuba bahlawulele iimpahla kunye neenkonzo kuzo zonke iivenkile eziphathekayo kunye neevenkile ze-intanethi, ezifana neCinepolis, i-HomeStop Hypercity, i-E-Rickshaws, i-Shoppers Stop, i-McDonald's, kunye ne-Crossword.
Abathengi baseIndiya bayaluthanda uyilo lwenkampani olusebenziseka lula kwaye lugxininisa kukhuseleko. Uqhagamshelo lwe-Freecharge ne-Axis Bank Limited, enye yeebhanki ezinkulu zecandelo labucala Indiya iye yazisa iqondo elongezelelweyo lokhuseleko lomthengi. Isipaji sinokuthi isetyenziswe ukuqhuba iintlobo zentengiselwano, kubandakanywa ukutshaja kweselula kunye ne-DTH, iintlawulo, kunye nokunye okuninzi.
Inkqubo yomvuzo
- I-Freecharge inikeza inkqubo yemivuzo ebizwa ngokuba "I-Freecharge Go” kubasebenzisi bayo
- Abasebenzisi banokufumana imbuyekezo yemali kwintengiselwano eyenziwe ngeFreecharge app, efana nokutshajiswa kwemfonomfono, iintlawulo zebhili, kunye nokutshajwa kwakhona kwe-DTH
- Imali efunyenweyo inkonkxa isetyenziswe kwintengiselwano yexesha elizayo kwiqonga leFreecharge
- Izivumelwano ezikhethekileyo kunye nezaphulelo kwiimveliso kunye neenkonzo zikwanikezelwa ngenkqubo
- Inkqubo yokudluliselwa ivumela abasebenzisi ukuba bameme abahlobo kwaye bafumane imbuyekezo yemali xa besenza intengiselwano yabo yokuqala
- Inkqubo yemivuzo yindlela elungileyo kubasebenzisi ukonga imali kwaye bafumane izaphulelo kwiintengiselwano zabo zemihla ngemihla.
- Ezinye zeentengiso ezisebenzayo ziquka:
- Ixhomekeke ku I-Rs. 30 Imbuyiselo yemali kwiintlawulo zeebhili ezihlawulwa emva
- 100% Ukubuyisa imali kwintlawulo yokuqala yebhili
- I-Rs. 30 Imbuyiselo yemali kwi-Jio recharges (kubasebenzisi abatsha)
- 10% Ukubuyisa imali kwiitshaji ze-DTH
6. MobiKwik
I-Mobikwik yinkampani yeebhiliyoni zeedola eyenziwe kwi-2009 nguBipin Preet Singh kunye no-Upasana Taku eGurgaon, eIndiya. Injongo yenkampani kukuvula iintlawulo zedijithali kubo bonke abantu. Abasebenzisi be-Mobikwik's digital wallet banokuphinda bazitshaje iiselfowuni zabo kwaye bahlawulele iimpahla kunye neenkonzo kuzo zombini iivenkile ezikwi-intanethi kunye nabangekho kwi-intanethi. Abathengi baseIndiya bathanda uphawu ngenxa yoyilo olusebenziseka lula, ukhuseleko, kunye nogxininiso kubathengi.
I-Mobikwik ngomnye wabathathi-nxaxheba abaphezulu kwimarike yeentlawulo zedijithali zaseIndiya enabathengi abangaphezu kwezigidi ezili-100. Inkampani ifumana uncedo kwimithombo eyomeleleyo yemali kunye neteknoloji yaseIndiya. le kungenxa yokuba inkampani ikomkhulu eGurgaon, evumela inkampani ukuba iqhubeke nokwenza izinto ezintsha kunye nokuphucula iinkonzo zayo.
Inkqubo yomvuzo
- MobiKwik INTLAWULO yeyona nkqubo inkulu yaseIndiya yokunyaniseka enamahlakani ali-100+ kwi-intanethi nangaphandle kweintanethi.
- Ufumana Amanqaku oPAYBACK kwizinto ezifana nokuthenga iimpahla kunye negrosari; ukuqhuba, ukubhukisha iinqwelomoya kunye neehotele kunye nokuthenga kwi-Intanethi.
- Sebenzisa amanqaku akho e-PAYBACK kwi-MobiKwik ukuze ufumane ibhalansi yesipaji sakho kwaye uyisebenzise ukutshaja iselfowuni yakho, uhlawule amatyala akho, nokunye okuninzi. Inqaku ngalinye lixabisa iRe. 1.
- Unikezelo olusebenzayo luquka:
- Ixabiso le-Rs. 15 iCashback kwiintlawulo zeBill yoMbane
- Flat Rs.15 Imbuyiselo yemali ngokokuqala kwakho LPG Ukubhukisha kwiMobiKwik App.
- Imbuyiselo yemali eyi-Rs.25 kwintlawulo yokuqala ye-DTH kwi-MobiKwik
- I-Flat Rs.500 isaphulelo esikhawulezileyo kwi-MakeMyTrip
- Fumana ukuya kuthi ga kwi-Rs 750 yokubuyisela imali kwiVenkile yeJio
7. IGooglePay
NgoMeyi 26, 2011, uSujith Narayanan kunye noSumit Gwalani baqalise i-GooglePay, inkonzo ye-wallet yedijithali. Ifemu, eneeofisi zayo zeshishini apho, ifuna ukwenza ukuhanjiswa kwemali kubathengi bayo ngokukhawuleza kwaye ngokuthe ngqo. Injongo yenkampani ishwankathelwa kakuhle phezulu kwimotto "Imali eyenziwe lula.” Xa uhlawula amatyala, uthumela imali kubahlobo nakusapho, okanye usenza ukuthenga kwi-intanethi okanye ngaphandle kwe-intanethi, uGooglePay wenza utshintshiselwano olugudileyo.
Izigidi zabasebenzisi zisebenzisa le app kwihlabathi jikelele kwaye iyafikeleleka kumazwe amaninzi. Abasebenzisi bayayithanda ngenxa yokulula, ukhuseleko, kunye nokuhambelana nezinye iinkonzo zikaGoogle. Ukongeza, iGooglePay ibonelela abathengi bayo ngoluhlu lwezivumelwano kunye nezaphulelo.
Inkqubo yomvuzo
- Abasebenzisi beGoogle Pay bafumana inkuthazo ngokwenza intengiselwano kunye nokucebisa inkqubo kubahlobo kunye nosapho.
- Ngokusebenzisa i-app ukuthenga, abasebenzisi banokufumana amakhadi okukrwela anamabhaso embuyekezo.
- Abasebenzisi abacebisa uGoogle Pay bafumane amabhaso, kwaye umntu abamcebisayo ufumana ibhaso naye.
- Ibhili inako kuhlawulwa okanye isixa iseti yentengiselwano can yenziwe, umzekelo, abasebenzisi banokufumana amabhaso ngokufezekisa le misebenzi ngaphakathi kwe-app.
- Ukongeza, uGoogle Pay uvuza abasebenzisi ngokusebenzisa iapp ukuthenga kwiivenkile ezithile nakumashishini akwi-intanethi.
- Amanqaku okuvuza anokuthi kutshintshiswe ukubuyisela imali ekuthengweni okanye ngetyala ukuze usetyenziswe kwiinkonzo zikaGoogle ezifana noDlalo lukaGoogle okanye iPremium kaYouTube.
8. Khala
Inkqubo yomvuzo
- Fumana amanqaku ezinkozo zikaChillar ngayo yonke intengiselwano eyenziwe ngeChiller Wallet app
- Unikezelo olukhethekileyo kunye nezaphulelo kubathengisi abasebenzisanayo kubasebenzisi beChiller Wallet
- Qokelela iiChillars kwaye uziguqule zibe yi-rupees( 100 Chillar= Rs. 10)
- Imivuzo ekhethekileyo yebhonasi yokufezekisa imilinganiselo ebekiweyo okanye iibhonasi zokuthunyelwa
- Ezi zilandelayo zezinye iinkqubo eziqhubekayo zokuvuza:
- Fumana i-1000 yemali yeChillar ngokuthenga i-Kuku FM Subscription
- Fumana i-100 yemali ye-Chillar ngokubhalisa kwi-Dream11 kunye nokufaka imali encinci
- Bhalisa kwi-app ye-TataNeu kwaye ufumane ii-Chillar eziyi-120 zemali
9. PayZapp yiBhanki yeHDFC
I-PayZapp yiBhanki ye-HDFC sisisombululo esisodwa kuzo zonke iimfuno zakho zentlawulo yedijithali. Iqaliswe ngenjongo yokwenza lula utshintshiselwano lwedijithali, le-wallet ibonelela ngobuninzi beempawu ezihlangabezana neemfuno ezahlukeneyo zabasebenzisi bayo. Ukusuka ekubhukisheni amatikiti enqwelomoya kunye neehotele ukuya ekuthengeni amatikiti emuvi kunye negrosari, i-PayZapp ikuhlawulele.
kunye SmartBuy, abasebenzisi banokufumana izaphulelo ezinkulu ngelixa bethenga kwi-Intanethi. Ukongeza, i-app ivumela abasebenzisi ukuba bathumele imali kuye nabani na okuluhlu lwabo loqhagamshelwano okanye ngokuthe ngqo kwi-akhawunti yabo yebhanki, bahlawule amatyala kwaye bahlaziye iselula yabo, i-DTH, kunye nekhadi ledatha ngokulula. Yiba namava okusebenziseka lula nge-PayZapp.
Inkqubo yomvuzo
- Fumana imbuyekezo kwintengiselwano eyenziwe ngePayZapp app
- Unikezelo olukhethekileyo kunye nezaphulelo kubasebenzisi bePayZapp kubarhwebi abasebenzisanayo
- Amanqaku okuvuza ngokusebenzisa iPayZapp kwiintengiselwano ezahlukeneyo ezinje ngeentlawulo zebhili, ukutshajiswa kwemfonomfono, nokunye.
- Sebenzisa amanqaku okuvuza ngezaphulelo kwintengiselwano yexesha elizayo okanye iivawutsha zesipho
- Ezinye zeentengiso ezisebenzayo ziquka:
- Ukuya kuthi ga kwi-Rs 250 ye-CashBack kwi-PayZapp Bill Payments
- Fumana imbuyekezo ye-Rs 50 kwiAmazon xa uphinda utshaja ngeselfowuni okanye uhlawula ibhili
- Fumana i-flat 50% isaphulelo kwi-1 yonyaka we-Amazon Prime ubulungu kunye ne-Exclusive Youth Offer.
Top 3 Khetha
Emva kophando olucokisekileyo kunye nohlalutyo, siye sakhetha ii-wallet ezi-3 eziphezulu zedijithali kuluhlu lwe-9 ye-wallet yedijithali ebalaseleyo eIndiya ngokubuyisela imali - PhonePe, Paytm, kunye neGooglePay. Makhe sixoxe ngezinto eziluncedo nezingalunganga.
Hlawula TM
eziluncedo
- I-Paytm ilula ukuyisebenzisa kunye nokukhangela, okwenza kube lula kubathengi ukugqiba intengiselwano.
- Abasebenzisi kunokwenzeka ukuba basebenzise i-app rhoqo kuba umsebenzi wekhadi lokukrala wenza ukuba iintlawulo zibe mnandi kwaye ziyamangalisa.
- Iintengiselwano ziyakhawuleza kwaye zenziwe zisebenze ngakumbi ngeentlawulo ezikhawulezayo ze-UPI.
- Ukukhusela iinkcukacha zemali kunye nezobuqu zabasebenzisi, i-app isebenzisa i-128-bit encryption kwiintlawulo ezikhuselekileyo.
neengozi
- Kuyenzeka ukuba isikrini sasekhaya seapp sibonakale singalungelelananga kwaye sixinene.
- Iintengiselwano ngamanye amaxesha ziyaxinga ziye zaqatshelwa njengengxaki ngabasebenzisi abathile.
- Inkonzo yabathengi ayizukukhawuleza njengoko besinethemba.
- Ngokwabasebenzisi abaninzi, i-app ayisahambisi izivumelwano ezininzi ezintle kunye nonikezelo njengoko belusenza ngaphambili.
IfowuniPe
eziluncedo
- I-PhonePe inikezela ngesixhobo esifanelekileyo kubasebenzisi beshishini ukwenza ukuthengiselana.
- Ugqithiso lwemali oluthe ngqo phelisa imfuno akhawunti okanye ikhadi uqhagamshelwano.
- I-app ixhasa iilwimi ezininzi, iyenza isebenziseke lula kubantu abangathethi isiNgesi.
neengozi
- Kusenokubakho imiba ngembuyekezo yamatikiti acinyiweyo.
- Ideshibhodi inako ziyafikeleleka ngaphandle kobungqina obufanelekileyo.
- Ukusetyenzwa kwetyala kungathatha ukuya kwiiyure ezingama-24 kwezinye iimeko.
IGooglePay
eziluncedo
- Ugcina irekhodi yazo zonke iitransekshini ukuze zisetyenziswe lula
- Ingqamanisa ulwazi kuzo zonke izixhobo ezininzi ukuze kube lula
- Inikezela ngeendlela ezithembekileyo nezikhuselekileyo zokuhlawula
- Isinxibelelanisi somsebenzisi
neengozi
- I-app yeselula inokuphuculwa malunga namava omsebenzisi
- Ukuhlaziya ikhadi lamatyala ulwazi lunokuba nzima
- Inokuxhamla kwizaziso ezithe chatha kunye neengcaciso zemigaqo yenkonzo
- Isenokufuna iitshekhi ezininzi zokhuseleko ukugqiba ulwazi lwentlawulo kwiwebhusayithi.
Ukhetho lwethu
Xa kuza ku amava embuyekezo yokugqibela, Paytm ithatha ikeyiki! Ngenkqubo yabo eyonwabisayo yamakhadi, yonke intlawulo iba ngumdlalo onika umdla wamathuba okufumana umvuzo othe kratya wembuyekezo. Ngaphezu koko, uyilo olulula lwe-app lwenza kube lula ukuhamba kwaye ugqibezele iintengiselwano.
Kodwa akuphelelanga apho.
I-Paytm's 128-bit encryption iqinisekisa ukuba zonke iintlawulo zakho zikhuselekile. Ngokuqinisekileyo, isikrini sasekhaya sinokuthi sixakeke, kwaye inkxaso yabathengi inokuba ngcono, kodwa ngePaytm, awukhe ubambeke. Ngoko, ulindele ntoni? “Paytm Karo” kwaye uqalise ukufumana loo mivuzo yembuyekezo!
Shiya iMpendulo