Ukwenza uhlahlo lwabiwo-mali ngumkhwa obalulekileyo onokukhokelela kwimpumelelo yakho yezemali. Kuyaziwa, nangona kunjalo, ukuba ukugcina umkhondo weendleko zakho kunye nomvuzo kunokuba nzima, ngakumbi xa kukho intengiselwano ezininzi.
Ukuhlangula zizixhobo zohlahlo lwabiwo-mali ezifana ne-Spendee kunye ne-Wallet evela kwi-BudgetBakers!
Ngoncedo lwezi zicelo ziluncedo, unokulawula imali yakho, ugcine umkhondo wenkcitho yakho, kwaye usebenze kwiinjongo zakho zemali.
Ukukhetha isixhobo sohlahlo lwabiwo-mali esikusebenzelayo kubalulekile ngenxa yobuninzi bokhetho olukhoyo. Imeko yakho yezemali inokulawulwa, unokwenza izigqibo zobulumko malunga nemali yakho, kwaye ekugqibeleni unokufikelela kwiinjongo zakho zemali ngesixhobo esifanelekileyo sohlahlo lwabiwo-mali.
Siza kuhlola Spendee kunye neWallet ngabakwaBudgetBakers, ezibini zezona zicelo zohlahlo lwabiwo-mali ezithandwa kakhulu ziyafikeleleka, ngokweenkcukacha ngakumbi ukukunceda ekwenzeni esona sigqibo silungileyo.
isishwankathelo
(i) Ukuchitha ixesha
I-Spendee sisixhobo somntu siqu sezemali esivumela abasebenzisi ukuba balandelele iindleko zabo kwaye balawule uhlahlo lwabiwo-mali lwabo. Ineendlela ezahlukeneyo zokusebenzisa izixhobo eziluncedo zokukunceda ugcine imali yakho, njengohlahlo lwabiwo-mali olulungiselelwe ngokwesiko, imibono yokonga, iingcebiso zemveliso, kunye nokunye.
I-app yasungulwa ngo-2017 kwaye ikomkhulu le-EU. Ineqela loosomashishini abanamava kuquka UDavid Neveceral, uJakub Sechter, uJan Castek, noMiroslav Chmelka.
I-Spendee yenye indlela ethandwayo kubathengi abafuna ukuthatha ulawulo lwenkcitho yabo. Iyonwabela i-4.7 eqaqambileyo kwi-5 yokulinganisa kwi-App Store. Ikwafumene nebawayo IiMbasa ze-UX zeselula ngo-2017, ukuqinisa isimo sayo njengeqonga loncedo lwezemali elithembekileyo nelinobuchule.
(ii)I-BudgetBakers Wallet
Ukubonelela ngabathengi kunye nezixhobo zolawulo lwezemali ezincinci, iBudgetBakers Wallet sisiqalo se-fintech kunye nesantya sokwandisa ngokukhawuleza. Ifumaneka ePrague, eYurophu. I-app yasungulwa nguJan Muller kwi-2014. Iqonga libonelela ngezisombululo eziqinileyo zezoshishino ezifana nokuhlelwa kweentengiselwano, ukulandelela, uhlahlo lwabiwo-mali, kunye nezinye iinjongo.
I-BudgetBakers igxile kwizicelo zolawulo lwezakhiwo kunye nee-API zemibutho ye-fintech. Iqhutywa liqela leengcali ezingaphezulu kwama-40 kunye nabahlobo. Sele inezigidi ezingaphezulu kwe-6.5 ezikhutshelweyo kwaye inomlinganiselo we-4.7 womsebenzisi kwi-Playstore.
Le app isebenza ngeelwimi ezingaphezu kwama-20. Ukuze kwaneliswe iimfuno ezitshintshayo zabathengi, iBudgetBakers izinikele ekubanikeni isixhobo esilula nesiluncedo sokulawula imali yabo. Ukuza kuthi ga ngoku, inkampani ihlala iphucula kwaye iphucula iqonga layo.
Indawo yomsebenzisi
(i) Ukuchitha ixesha
I-Spendee ine-interface esebenzisekayo ekulula ukuyijonga. Isikrini sasekhaya sineethebhu ezimbini, enye yedeshibhodi kunye nenye yohlahlo lwabiwo-mali. Kwiphepha lohlahlo lwabiwo-mali, unokufikelela ngokulula kulo lonke uhlahlo lwabiwo-mali olugcinwe ngeenjongo ezithile. Ideshibhodi yahlulwe yangamacandelo amabini, izipaji, kunye nesishwankathelo.
Icandelo lezipaji libonisa zonke izipaji zakho eziqhagamshelweyo kunye iiakhawunti zebhanki. Icandelo lokujonga ngokubanzi libonisa umhla wexesha langoku, ibhalansi, iindleko kunye nengeniso. Unako kwakhona ukujonga imbali yakho yentengiselwano ngezantsi phantsi kwecandelo lokujonga. Lilonke, ujongano lukaSpendee lulula, lusisiseko, kwaye lugqibelele kwabaqalayo.
(ii)I-BudgetBakers Wallet
I-UI yeBudgetBakers yeyangoku kwaye ibukeka kakuhle. Ideshibhodi sesona sikrini siphambili esikunika umfanekiso okhawulezayo wemeko yakho yezemali.
Iphepha le-analytics libandakanya izibalo ezibanzi kunye namanani ukukunceda uhlalutye iipatheni zakho zokuthenga. Iphepha le-akhawunti kulapho unokongeza kwaye ulawule ii-akhawunti zakho zebhanki.
Iphepha leerekhodi liqulethe uluhlu olupheleleyo lwazo zonke iintengiselwano zakho. Iphepha lokurhweba ngaphandle likuvumela ukuba ufake idatha esuka kweminye imithombo efana neengxelo zebhanki. Ngaphandle kobuninzi bezakhono, uyilo alunamandla kwaye alunzima, kwaye kulula ukuhamba malunga neprogram. Ngokubanzi, i-UI iyilwe kakuhle kwaye isebenziseka lula.
Iimbonakalo
(i) Ukuchitha ixesha
1. Uhlalutyo lwemali kunye nokuqonda: I-Spendee ihlalutya imeko yakho yezemali kunye nokusebenza ngendlela elula nemfutshane. Ii-algorithms ezikrelekrele zikaSpendee ziya kuhlela ngokuzenzekelayo iintengiselwano zakho kwaye zikubonise ngokucacileyo, iigrafu eziqondakala lula kunye neetshathi ngokukhawuleza nje ukuba udibanise iakhawunti yakho yebhanki.
Uya kuba nakho ukuqonda apho imali yakho ivela khona kwaye ihambe, kukunceda wenze izigqibo ezifundiswayo malunga nenkcitho. Iimbono zikaSpendee ziyakunceda ekuchongeni iindawo onokuthi kuzo Gcina imali nalapho uhlahlo lwabiwo-mali lwakho lunokufuna ukulungiswa.
2. Ukujongwa ngokuBanzi kweNtengiselwano: I-Spendee ikuvumela ukuba ulandelele zonke iintengiselwano zakho zemali kwindawo enye. Ungaqhagamshela i-akhawunti yakho yebhanki ngaphandle komzamo kwaye ungenise zonke iintengiselwano zakho kwinkqubo, okanye ungafaka ngesandla iindleko zakho eziyinxalenye yebhajethi yakho yenyanga.
Ikwakuvumela ukuba udibanise yakho i-wallet ye-crypto, ikunika umfanekiso opheleleyo wemali yakho kwindawo enye. Ikunika umfanekiso opheleleyo wenkcitho yakho kunye nohlahlo lwabiwo-mali ngexesha lokwenyani, ikuvumela ukuba wenze izigqibo ezifundileyo malunga nolawulo lwakho lwemali.
3. Uhlahlo lwabiwo-mali lwexesha elizayo: Olona phawu lukhulu lukaSpendee kukukwazi ukwenza uhlahlo lwabiwo-mali lweemfuno zexesha elizayo.
Abasebenzisi banokwakha uhlahlo lwabiwo-mali oluninzi, balulungelelanise kwiimfuno zabo ezithile, kwaye bakhethe kwiindidi ezininzi ezinjengokutya, amatyala, ukuzonwabisa, imoto, usapho, njalo njalo. Basenokukhetha usuku ekufuneka lucwangciselwe uhlahlo lwabiwo-mali.
4. Iimali ezininzi: I-Spendee ixhasa iimali ezininzi, eziluncedo kubakhenkethi kunye nabahambi bedijithali abalawula imali kwiimali ezingaphezulu kwesinye.
(ii)I-BudgetBakers Wallet
1. Uhlahlo lwabiwo-mali oluhlakaniphile: I-BudgetBaker ikuvumela ukuba wenze uhlahlo lwabiwo-mali kwiakhawunti yakho nganye, ikuvumela ukuba ugcine umkhondo wenkcitho yakho kwaye wonge ngaphezulu. Isoftware ikwazisa xa udlula izithintelo zakho zohlahlo lwabiwo-mali, ikuvumela ukuba uthintele ukuhlawula ngaphezulu.
Unokuseka iinjongo zogcino kwaye ulandele inkqubela yakho ukuya kubo, kunye neWallet eqikelela ukuba uya kudibana nazo ngokusekwe kwindlela ochitha ngayo imali.
2. Ukulandelela iindleko: The ukulandelela iindleko umsebenzi kwiBudgetBaker yindlela ecokisekileyo nelula yokulawula inkcitho yakho. Unokubona ngokulula apho imali yakho isiya khona ngenxa yokukwazi ukucwangcisa ngokuzenzekelayo inkcitho kwimixholwana efana nokutya, ukuthutha, kunye nendawo yokuhlala.
Ukugcina iirekhodi zakho zisexesheni, unakho ukufaka iitransekshini zemali ngesandla.
Inkqubo ikhula ngobukrelekrele kwaye ingcono ekuchongeni indlela osebenzisa ngayo imali njengoko uyisebenzisa, ikwenza kube lula ukulawula iimali zakho. I-BudgetBaker inokukunceda ugcine umkhondo wokuba ugcina imali eninzi okanye uzama ukubambelela kuhlahlo lwabiwo-mali.
3. IiNtlawulo eziCetyiweyo: Inketho 'yeentlawulo ezicwangcisiweyo' kwi-BudgetBaker sisixhobo esisemagqabini sokugcina umkhondo wenkcitho eyenziwa rhoqo. Unokulawula ngokulula eyakho ukuhamba KWEMALI kwaye uqinisekisa ukuba unemali eyaneleyo yokuhlawula iindleko zakho ngokufumanisa kunye nokuguqula iintlawulo eziqhubekayo kwiintlawulo ezicwangcisiweyo zexesha elizayo.
Usenokufaka ngesandla iintlawulo ezicwangcisiweyo kwi-app ukuze ubone ibhalansi yakho eshiyekileyo. Ngelixa iBudgetBaker incedisa kuhlahlo lwabiwo-mali, kusafuneka usebenzise i-app yakho yebhanki ukwenza iintlawulo. Ngolu phawu, unolawulo olupheleleyo lwemali yakho kwaye unokucwangcisa kwangaphambili iindleko zexesha elizayo.
4. Ungqamaniso lweBhanki: IBudgetBaker's Bank Sync inqaku likunceda ukuba ugcine umkhondo wentengiselwano yakho ngokulula. Ngokuvumelanisa iakhawunti yakho yebhanki kunye ne-app, akusekho mfuneko yokuba ufake ngesandla yonke intengiselwano.
Ngobuchule bokudityaniswa kweebhanki ezingaphezu kwe-15,000, unokuthemba ukuba i-AI iya kungena ngokuzenzekelayo kwaye ihlele iintengiselwano zakho. Oku akukongi ixesha kuphela kodwa kukunika imbono echanekileyo nepheleleyo yemeko yakho yezemali.
5. Ukuqonda kokuHamba kweMali: Umsebenzi weBudgetBaker's Cashflow Insights sisixhobo esiluncedo kulawulo olungcono lwemali. Isipaji sichonga iindawo apho ukuhamba kwemali yakho kunokushiyeka kwaye sikuncede ekupheliseni naziphi na iindleko ezingeyomfuneko ngokuhlalutya indlela osebenzisa ngayo imali kunye nengeniso yakho.
Esi sixhobo siluncedo kakhulu ekuqapheleni ukuhlawula okuzenzekelayo okuphindaphindiweyo, okufana nemirhumo kunye nezinye iindleko, onokuthi ungazi. Isoftware ikunceda ukuba ulawule imali yakho ngempumelelo ngakumbi ngokubonisa ukuhamba kwemali oqikelelweyo kwiiveki ezimbalwa ezizayo. Ikwakunceda ekuhlawuleni amatyala akho ngolandelelwano olufanelekileyo, ukuthintela naziphi na iimali ezongezelelweyo emva kwexesha okanye izohlwayo.
6. Iingxelo: Isixhobo seNgxelo ye-BudgetBaker's P&L ikuvumela ukuba uvelise ngokukhawuleza ingeniso kunye nengxelo yenkcitho yexesha langoku okanye langaphambili lokhetho lwakho. Lo msebenzi wahlula umvuzo wakho kunye nenkcitho kwaye uzibonise kwiingxelo ezahlukeneyo ezifana nengxelo yebhalansi, ingxelo yokuhamba kwemali, kunye nengxelo yemali eqokelelweyo.
Unokufumana umbono obanzi wemali yakho kwaye wenze ubukrelekrele izigqibo zezemali kwixesha elizayo ngezi mbono zichanekileyo. Iingxelo zilula ukuzifunda kwaye zinike umfanekiso olungelelanisiweyo wemali yakho, ikuvumela ukuba ufumane iindawo zophuhliso kwaye ulawule ngempumelelo imali yakho.
7. Iiakhawunti ezininzi:- Umsebenzi weeAkhawunti ezininzi zeBudgetBaker uvumela abasebenzisi ukuba balawule ukuya kuthi ga kwiiakhawunti ezintathu ezahlukeneyo ngaxeshanye. Nokuba yiakhawunti yemali, iakhawunti yotyalo-mali, okanye iakhawunti yemali-mboleko, abasebenzisi banokutshintsha ngokulula phakathi kwabo ngeempompo nje ezimbalwa.
Ukufakwa kwedatha ngesandla akukhuthazwa, ngoko abasebenzisi banokufaka ngokulula i-spreadsheets zabo kwaye bavumele i-BudgetBaker yenze okunye. Eli nqaku libonelela ngendlela ekhawulezayo nelula yokulawula iiakhawunti ezininzi ngaphandle kobunzima bokutshintsha phakathi kwee-apps ezahlukeneyo okanye i-spreadsheets.
namaxabiso
(i) Ukuchitha ixesha
(ii)I-BudgetBakers Wallet
"UQalisa"iphakheji kunye"umrhumo” isicwangciso ziyafumaneka zombini kwiBudgetBakers. Ubulungu benyanga kwiindleko zesicwangciso sepremiyamu $6.39, ngelixa iindleko zomrhumo wonyaka $31.99.
I-BudgetBakers ihambisa uninzi lomsebenzi wayo kwisicwangciso sasimahla, ngokungafaniyo ne-Spendee. Nangona kunjalo, isicwangciso seprimiyamu siza nokongezwa okumangalisayo, njengentsebenziswano kunye nabahlobo kunye nosapho, ungqamaniso lweakhawunti yebhanki engenamda, kunye neeakhawunti ezininzi.
Ufumana nokufikelela kwinani leetshathi eziphucukileyo, iingxelo, kunye nezixhobo. Ukukuvumela ukuba uzame ngaphambi kokuba uthenge, bade babonelele ngenguqulo yesilingo seentsuku ezili-14 zobhaliso lweprimiyamu. Uhlelo lwasimahla luya kukwanela ngokugqibeleleyo ukuba ungumntu oqhelekileyo. Isicwangciso seprimiyamu, nangona kunjalo, lolona khetho lungcono ukuba uyingcaphephe ngemali.
ukhuseleko
(i) Ukuchitha ixesha
Ukugcina ulwazi lwakho lwezezimali lukhuselekile kubaluleke kakhulu, kwaye uSpendee ukuqonda kakuhle oku. Yiyo loo nto iphumeze imilinganiselo eyahlukeneyo yokukhusela ubumfihlo bedatha yomsebenzisi. I-Spendee ayilugcini ulwazi lweakhawunti yakho yebhanki ngendlela evumela ukuba kwenziwe iintlawulo, ukuze uphumle usazi ukuba imali yakho ikhuselekile.
Unxibelelwano phakathi kwe-app kunye neeseva lufihliwe ukuthintela ukufikelela okungagunyaziswanga. Kwaye ukhuseleko olongezelelweyo, i-Spendee ikuvumela ukuba usete ikhowudi yokugqitha enamanani ama-4 okanye usebenzise uqinisekiso lwebhayometriki.
Ngaphezu koko, xa ucima i-akhawunti yakho ye-Spendee, yonke idatha yakho, ii-akhawunti, kunye neentengiselwano ziyacinywa ngoko nangoko nangokusisigxina. Konke yinxalenye yokuzinikela kukaSpendee ekugcineni idatha yakho ikhuselekile kwaye ikhuselekile.
(ii)I-BudgetBakers Wallet
BudgetBakers a PSD2-iyahambelana isisombululo solawulo lwedatha yemali, nto leyo ethetha ukuba iyahlangabezana neemfuno ezingqongqo zokhuseleko zeManyano yaseYurophu yokuphatha idatha yezemali. Ikwanjalo ISO 27001 iqinisekisiwe, ebonisa ukuba iphumeze inkqubo yolawulo lokhuseleko lolwazi olubanzi. Ukongeza, iBudgetBakers PCI DSS iyahambelana, ukuqinisekisa ukuba ithobela imigangatho engqongqo yokucubungula idatha yekhadi lokuhlawula.
Ukukhusela idatha yomsebenzisi, iqonga lisebenzisa imigangatho engqongqo yangaphakathi ekhuthaza inqanaba eliphezulu lolwazi lokhuseleko phakathi kwabasebenzi bayo kunye nezisombululo ezithembekileyo zokhuseleko lwezobuchwepheshe. Ibhanki yeSizwe yaseCzech kwaye Abalawuli be-EU bobabini basebenzisa ulawulo oluluqilima kwiBudgetBakers.
Kuba yonke idatha idluliselwe ngapha TLS-encrypted amajelo, nakwimeko yokwaphulwa kwedatha, idatha ayinakufikelelwa ngamanye amaqela. Iqonga liyasebenza Microsoft's Azure Cloud, edume ngeempawu zayo eziphezulu zokhuseleko lomzimba kunye ne-elektroniki, ukugcina ugcino lwedatha lukhuselekile.
Inkxaso abathengi
(i) Ukuchitha ixesha
I-Spendee ibonelela ngecandelo le-FAQ elibanzi ukunceda abasebenzisi ukulungisa imiba eqhelekileyo abanokujongana nayo ngelixa besebenzisa i-app. Ukuba awuyifumani impendulo yombuzo wakho apho, ungasoloko ucofa kuncedo ukhetho kwaye uthumele umbuzo wakho nalo naluphi na uncamathiselo oludingayo.
Ngelixa kungekho nombolo yefowuni efumanekayo yokuxhasa, ungasoloko uthumela imibuzo yakho ngokuthe ngqo kwi-Spendee [imeyile ikhuselwe]. I-Spendee ikwabonelela ngenkxaso ephilayo ngexesha leveki ukusuka NgoMvulo ukuya ngoLwesihlanu Phakathi 10am ukuya ku-5pm, ikunika ithuba lokunxibelelana ngokukhawuleza nommeli kwaye ufumane uncedo ngomba wakho.
(ii)I-BudgetBakers Wallet
Iziko loNcedo kwi-BudgetBakers Wallet libonelela ngeentlobo ngeentlobo zeeblogi kwizihloko ezininzi, kubandakanya indlela yokuqalisa, abafowunelwa, iiakhawunti, ii-FAQs, nokunye. Abasebenzisi banokusebenzisa esi sixhobo sibalaseleyo ukufumana iimpendulo kubunzima obuhlala bukhona. Ngomsebenzi wempendulo, abasebenzisi banokutshintshiselana ngeengcinga kunye neengcebiso.
Nangona kukho inkqubo yencoko ephilayo, iqhutywa yi-bot, ukuze abathengi bangayifumani njengeyona ndlela ibalaseleyo. Kubonakala ngathi akukho nombolo yefowuni ethe ngqo okanye idilesi ye-imeyile, enokwenza kube nzima kubathengi ukuba baqhagamshelane nokhathalelo lwabathengi ukuba banemibuzo engxamisekileyo okanye ethile.
Ngokubanzi, iZiko loNcedo sisixhobo esiluncedo; nangona kunjalo, abanye abasebenzisi banokukufumanisa kuyakhathaza ukuba akukho ndlela yokunxibelelana ngokuthe ngqo.
Shiya iMpendulo