Ingabe uyagula ngenxa yokungakhululeki lapho uphethe imali eningi?
Manje sekulula kunangaphambili ukugcina imali yakho iphephile futhi ivikelekile kuyilapho uzuza imiklomelo ebalulekile ngenxa yokukhula kwamawalethi edijithali e-India.
Ukukusiza ukuthi wandise izimali zakho, sizobheka amawalethi edijithali angu-9 aphezulu anikezela ngembuyiselo e-India kulokhu okuthunyelwe. Kusukela ku-Paytm kuya ku-PhonePe, sikuphathele.
Izikhwama zedijithali zinikeza imiklomelo nezaphulelo ekuthengeni, njengokuthenga nezikweletu, ngaphezu kokukhokha nokudlulisa imali. Ngakho-ke, lezi zikhwama zedijithali zizokwenza ukwazi eqela ngaphezulu futhi uhlele impilo yakho kungakhathaliseki ukuthi ungumfundi, usomabhizinisi, noma umenzi wekhaya. Usabambeleni?
Ake siqale futhi sithole isikhwama sedijithali esilungele wena.
1. IfoniPe
I-PhonePe yinkampani yezinkokhelo zedijithali esikhuphuke yaduma e-India ngenxa yokuzibophezela ekusebenzeni kahle nobuchwepheshe obusha. Yasungulwa ngo-December 2015 futhi izinze e-Singapore, i-PhonePe isicubungule ukuthengiselana okungaphezu kwezigidi eziyizinkulungwane ezingu-2 futhi yaklonyeliswa ngomklomelo 'Wobuhle Kumshwalense'.
Isiphenduke umholi wemakethe endaweni yokukhokha edijithali yaseNdiya futhi yaziwa ngokusebenzelana kwayo okusebenziseka kalula kanye nezinhlobonhlobo zezici. Kungakhathaliseki ukuthi eyokudluliselwa kwemali noma izinsizakalo zomshwalense, i-PhonePe iyinketho edumile phakathi kwamakhasimende aseNdiya ngokwethembeka nokuphepha kwayo.
Uhlelo Lomvuzo
- I-PhonePe ivuza abasebenzisi bayo ngezindlela ezintathu
- Ukubuyela emuva:- Thola ukubuyiselwa kwemali ngamakhadi okuqala lapho ukhokha ngohlelo lokusebenza lwe-PhonePe, olungasetshenziswa ukuvala izinkokhelo zesikhathi esizayo ohlelweni lokusebenza.
- Izipesheli:- Thola ukunikezwa komuntu siqu okusekelwe ekusebenziseni kwakho nomsebenzi, okungase kusebenze esigabeni semiklomelo futhi kusetshenziswe ngokuzenzakalelayo ezinkokhelweni zakho.
- Amakhuphoni:- Zuza izinzuzo zamakhodi ekhuphoni akhethekile lapho usebenzisa uhlelo lokusebenza lwe-PhonePe's Shintsha, noma uhlelo lokusebenza/iwebhusayithi yomthengisi, esebenzisekayo ezinkokhelweni zesikhathi esizayo
2. I-PayTM
I-Paytm, eyasungulwa ngu-Vijay Shekhar Sharma, iyingqalabutho endaweni yokukhokha yedijithali yaseNdiya, njengoba iqale uguquko lwedijithali eNdiya. Njengoba indlunkulu yayo iseNoida, inkampani isikhule yaba ngesinye sezikhwama zedijithali ezisetshenziswa kakhulu eNdiya.
Uhlelo lokusebenza lwe-Paytm lenza yonke into yedijithali, njengokukhokha izikweletu, ukushajwa kabusha, ukuthumela imali, nokubhuka amamuvi namathikithi. Izinsizakalo zayo ezihlukahlukene zenze kwaba indawo yokuzikhethela kumaNdiya angaphezu kwezigidi ezingu-300 ayisebenzisela ukukhokha ezitolo zendawo. I-Paytm iphinde yanika amandla abathengisi namabhizinisi abangaphezu kwezigidi ezingu-20, okuyenza ibe ngomunye wabadlali abanethonya embonini.
Uhlelo Lomvuzo
- Zuza amaphuzu embuyiselo ngokwenza izinkokhelo zezikweletu ngohlelo lokusebenza lwe-Paytm
- Sebenzisa amaphuzu akho ukuze uthole amavawusha esipho namakhadi e-e-sipho avela kubathengisi abadumile abafana noMyntra noFlipkart
- Thatha ithuba lamadili akhethekile nezaphulelo ekubhaliseni kwamasevisi afana ne-Zomato Pro ne-Sony Liv
- Zuza okunikezwayo kwesikhathi esikhawulelwe emikhiqizweni enesaphulelo esikhulu ngamadili Ashisayo e-Paytm
- Jabulela amadili akhethekile Ezigaba Zamabhizinisi ze-Paytm, njenge-DTH Recharge, Ukubhukha Ibhasi/Indiza, kanye ne-FASTag
- Dlala imidlalo ku-Paytm First Games futhi uwine imiklomelo ethokozisayo.
- Ungakwazi futhi ukuguqula lawa maphuzu ube yimali yangempela, ezofakwa esikhwameni sakho se-Paytm.
3. I-AmazonPay
Impumelelo ye-AmazonPay e-India kungenxa yobulula bayo, ukuphepha, kanye nokuba lula. Ukuqala kwe-Amazon eNdiya kusho ukuthi abasebenzisi bangasebenzisa i-akhawunti yabo ye-Amazon ukuze bathenge kuwo wonke amabhizinisi nezinkundla. Isixazululo silula inqubo yokukhokha ngokususa isidingo sokuthi amaklayenti avame ukufaka ulwazi lomuntu siqu noma lwezezimali.
I-AmazonPay yenza kube lula futhi kuvikeleke kubathengi ukuthi basebenzise izinkokhelo zedijithali, okuyenze yaba ngumhlanganyeli oqinile emakethe yaseNdiya. Ngaphezu kwalokho, inkampani ibambisene nabathengisi abaningi nezinkundla ukuze inikeze amalungu ayo imiklomelo nezaphulelo.
Uhlelo Lomvuzo
- Thola ithuba lokuwina amakhadi okuqala njalo uma ukhokha noma uthenga
- Wina imiklomelo eyengeziwe ngokuthumela imali kubangani nomndeni wakho
- Thola ukunikezwa komuntu siqu nokufakiwe kanye nokubuyiselwa kwemali ezintweni ezihlukahlukene ezihlanganisa izisetshenziswa, izinto zikagesi, izincwadi, imidlalo, nobucwebe.
- Thatha ithuba super okunikezwayo. Kunezinhlobo ezi-3 zokunikezwayo:
- hamba ezinkundleni ezifana ne-Ola, Uber, Rapido, njll
- Izipesheli ezibalulekile zasekhaya ku-Pharmeasy, Zepto, Inkampani yase-Urban, njll
- okunikezwayo kwemfashini ekuthengeni kwa-Levi's, Louis Philippe, Hidesign, njll.
4. Amaphakethe e-ICICI Bank
Ngosizo lwe-e-wallet Pockets elula ye-ICICI Bank, amakhasimende anoma yiliphi ibhange angakwazi ukuphatha imali yawo futhi enze izinkokhelo ekuhambeni kalula. Le nkampani ifuna ukwenza ukuthengiselana kwezezimali kube lula, futhi nge-e-wallet yayo ene-VISA, ehlanganisa izici eziningi ezenza kube inketho ephephile nesebenzayo yokuphatha imali yakho, iphumelele.
Ungathenga ku-inthanethi noma esitolo, ushaje kabusha ifoni yakho, udlulisele imali kobathandayo, nokunye okwengeziwe ngamaPocket. Ikhadi lokuthenga eliphathekayo elinikezwa yi-Pockets, elingasetshenziswa ukuthenga kunoma iyiphi i-inthanethi noma isitolo esiphathekayo, lilenza lehluke emqhudelwaneni. Amaphakethe e-ICICI Bank yisixazululo uma ufuna isitolo esitobhini esisodwa sazo zonke izidingo zakho zezimali.
Uhlelo Lomvuzo
- Amakhasimende angathola amaphuzu emivuzo kukho konke okwenziwa kusetshenziswa i-Pockets e-wallet.
- Lawa maphuzu angasetshenziswa ezinhlobonhlobo zokunikezwayo nezaphulelo ekuthengeni, ekuhambeni, nokunye okwengeziwe.
- Amaphakethe aphinde abe nohlelo lokudlulisela lapho amakhasimende engathola khona amaphuzu okudlulisela abangani nomndeni ukuze abhalisele i-e-wallet.
- Amapokhethi aphinde abe namadili akhethekile kanye nokunikezwayo kwamakhasimende awo, njengokubuyiselwa kwemali ezinkokhelweni zebhili kanye nokushajwa kabusha.
- Amakhasimende angaphinda abambe iqhaza kumibuzo Yamaphakethe kanye nemincintiswano ukuze awine imiklomelo nemiklomelo.
- Okunye okunikezwayo okusebenzayo kufaka phakathi
- Yonga u-30% uma ukhokha ngekhadi lesikweletu le-ICICI Bank
- Jabulela isaphulelo sika-12% esingafika ku-Rs.1800 ezindizeni zasekhaya nge-Yatra
- Thola isaphulelo sika-12% kubulungu be-Club Mahindra Holiday GoZest nokuningi!
5. Inkokhelo yamahhala
I-Axis Bank Limited, elinye lamabhange ahamba phambili embonini yangasese e-India, yasungula i-Freecharge ngoSepthemba 2015 njengenkampani ephethwe ngokugcwele.
Inhlangano ifuna ukukhulisa ukusebenziseka kwabathengi kanye nokufinyeleleka kwezinkokhelo zedijithali. I-wallet yedijithali ye-Freecharge ivumela amakhasimende ukuthi akhokhele izimpahla namasevisi kuzo zonke izitolo ezibonakalayo nezitolo eziku-inthanethi, njenge-Cinepolis, i-HomeStop Hypercity, i-E-Rickshaws, i-Shoppers Stop, i-McDonald's, ne-Crossword.
Amakhasimende aseNdiya ayayithanda idizayini yenkampani esebenziseka kalula futhi igcizelela ezokuphepha. Ukuxhumana kwe-Freecharge ne-Axis Bank Limited, elinye lamabhange amakhulu emboni ezimele India yethule izinga elengeziwe lokuvikela ikhasimende. Isikhwama kungenzeka isetshenziswe ukwenza ukuthengiselana okuhlukahlukene, okuhlanganisa ukushajwa kabusha kweselula ne-DTH, izinkokhelo, nokunye okuningi.
Uhlelo Lomvuzo
- I-Freecharge inikeza uhlelo lwemiklomelo olubizwa ngokuthi “I-Freecharge Go” kubasebenzisi bayo
- Abasebenzisi bangathola imbuyiselo ngokukhokha okwenziwe ngohlelo lokusebenza lwe-Freecharge, njengokukhokhiswa kabusha kwamaselula, ukukhokhelwa kwebhili, kanye nokushajwa kabusha kwe-DTH
- Imbuyiselo yemali etholiwe isetshenziswe ngokwenziwayo kwesikhathi esizayo kuplathifomu ye-Freecharge
- Amadili akhethekile kanye nezaphulelo emikhiqizweni namasevisi nawo anikezwa ngohlelo
- Isistimu yokudlulisela ivumela abasebenzisi ukuthi bameme abangani futhi bathole imiklomelo yembuyiselo lapho benza umsebenzi wabo wokuqala
- Uhlelo lwemiklomelo luyindlela enhle yokuthi abasebenzisi bonge imali futhi bathole izaphulelo emisebenzini yabo yansuku zonke.
- Okunye okunikezwayo okusebenzayo kufaka phakathi:
- Kuya ku Rs. 30 Imbuyiselo yemali ezinkokhelweni ze-postpaid bill
- 100% Ukubuyisa imali enkokhelweni yokuqala yebhili
- Rs. 30 Imbuyiselo yemali ekushajweni kabusha kwe-Jio (kubasebenzisi abasha)
- 10% Ukubuyisa imali ekushajweni kabusha kwe-DTH
6. MobiKwik
I-Mobikwik yifemu enezigidigidi zamadola eyakhiwe ngo-2009 ngu-Bipin Preet Singh kanye no-Upasana Taku eGurgaon, e-India. Inhloso yenkampani ukuvula izinkokhelo zedijithali kubo bonke abantu. Abasebenzisi be-wallet yedijithali ye-Mobikwik bangase bashaje omakhalekhukhwini babo futhi bakhokhele izimpahla namasevisi kukho kokubili izitolo eziku-inthanethi nezingaxhunyiwe ku-inthanethi. Amakhasimende aseNdiya athanda uhlobo ngenxa yedizayini yalo esebenziseka kalula, ukuphepha, nokugcizelela ukunethezeka kwamakhasimende.
I-Mobikwik ingomunye wabahlanganyeli abahamba phambili emakethe yezinkokhelo zedijithali zaseNdiya enamakhasimende angaphezu kwezigidi eziyi-100. Inkampani ithola usizo ezinsizeni eziqinile zezezimali nobuchwepheshe zaseNdiya. Lokhu yingoba inkampani ikomkhulu eGurgaon, okuvumela inkampani ukuthi iqhubeke nokwenza izinto ezintsha futhi ithuthukisa izinsiza zayo.
Uhlelo Lomvuzo
- MobiKwik I-PAYBACK iwuhlelo olukhulu kunazo zonke lwase-India lokwethembeka kwemikhiqizo eminingi olunabalingane abangu-100+ abaku-inthanethi nabangaxhunyiwe ku-inthanethi.
- Uthola Amaphuzu E-PAYBACK wezinto ezifana nokuthenga izingubo negilosa; ukushayela, ukubhuka izindiza namahhotela kanye nokuthenga ku-inthanethi.
- Sebenzisa amaphuzu akho e-PAYBACK ku-MobiKwik ukuze uthole ibhalansi yesikhwama sakho semali futhi uyisebenzisele ukushajwa kabusha iselula yakho, ukhokhe izikweletu zakho, nokunye okuningi. Iphuzu ngalinye liwufanele u-Re. 1.
- Izipesheli ezisebenzayo zihlanganisa:
- Ifulethi lika-Rs. 15 I-Cashback on Electricity Bill izinkokhelo
- I-Flat Rs.15 Imbuyiselo yakho yokuqala ngqa I-LPG Ukubhuka ku-MobiKwik App.
- Imbuyiselo eyi-Flat Rs.25 ekushajweni kokuqala kwe-DTH ku-MobiKwik
- Isaphulelo Esisheshayo Rs.500 ku-MakeMyTrip
- Thola imbuyiselo efika ku-Rs 750 e-Jio Store
7. I-GooglePay
Ngo-May 26, 2011, u-Sujith Narayanan no-Sumit Gwalani bethula i-GooglePay, isevisi ye-wallet yedijithali. Le nkampani, enamahhovisi ayo ezinkampani lapho, ifuna ukudlulisa imali kubathengi bayo ngokushesha nangokuqondile. Inhloso yenkampani kufingqwe kahle phezulu esiqubulweni esithi "Imali eyenziwe lula.” Lapho ukhokha izikweletu, uthumela imali kubangani nomndeni, noma uthenga ku-inthanethi noma ungaxhunyiwe ku-inthanethi, i-GooglePay yenza kube lula ukuthengiselana.
Izigidi zabasebenzisi zisebenzisa uhlelo lokusebenza emhlabeni wonke futhi luyatholakala ezizweni eziningi. Abasebenzisi bayayithanda ngenxa yobulula bayo, ukuphepha, nokuhambisana nezinye izinsiza ze-Google. Ukwengeza, i-GooglePay ihlinzeka abathengi bayo ngenani lamadili nezaphulelo.
Uhlelo Lomvuzo
- Abasebenzisi be-Google Pay bathola izikhuthazo ngokwenza imisebenzi nokuncoma uhlelo kubangani nomndeni.
- Ngokusebenzisa uhlelo lokusebenza ukuze bathenge, abasebenzisi bangase bazuze amakhadi okuqala anemiklomelo eyimbuyiselo.
- Abasebenzisi abancoma i-Google Pay bathole imiklomelo, futhi umuntu abamtusayo uthola umklomelo.
- I-bill can ukukhokhelwa noma inani elimisiwe lokuthengiselana lingakwazi yenziwe, isibonelo, abasebenzisi bangathola imiklomelo yokufeza le misebenzi ngaphakathi kohlelo lokusebenza.
- Ukwengeza, i-Google Pay iklomelisa abasebenzisi ngokusebenzisa uhlelo lokusebenza ukuze bathenge ezitolo ezithile namabhizinisi aku-inthanethi.
- Amaphuzu okuklomelisa angase benana ukuze uthole imbuyiselo ekuthengeni noma ngekhredithi ongayisebenzisa ezinsizeni ze-Google njenge-Google Play noma i-YouTube Premium.
8. Memeza
Uhlelo Lomvuzo
- Zuza amaphoyinti ezinhlamvu ze-Chillar kukho konke okwenziwayo ngohlelo lokusebenza lwe-Chiller Wallet
- Ukunikezwa okukhethekile nezaphulelo kubathengisi ababambisene kubasebenzisi be-Chiller Wallet
- Qoqa ama-Chillars futhi uwaguqule abe ama-rupee( 100 Chillar= Rs. 10)
- Imiklomelo yebhonasi ekhethekile yokufeza izilinganiso ezibalulekile noma amabhonasi okudluliselwa
- Okulandelayo izinhlelo zemiklomelo eziqhubekayo:
- Thola izinhlamvu zemali ze-Chillar eziyi-1000 ngokuthenga Okubhaliselwe kwe-Kuku FM
- Thola izinhlamvu zemali ze-Chillar eziyi-100 ngokubhalisa ku-Dream11 futhi ufake inani elincane
- Bhalisa ohlelweni lokusebenza lwe-TataNeu futhi uthole izinhlamvu zemali ze-Chillar ezingu-120
9. I-PayZapp yi-HDFC Bank
I-PayZapp ye-HDFC Bank iyisixazululo esisebenza kanye kuzo zonke izidingo zakho zokukhokha zedijithali. Njengoba yethulwe ngenhloso yokwenza lula ukuthengiswa kwedijithali, le-e-wallet inikezela ngenqwaba yezici ezihlangabezana nezidingo ezahlukahlukene zabasebenzisi bayo. Kusukela ekubhukheni amathikithi endiza namahhotela kuya ekuthengeni amathikithi e-movie negrosa, i-PayZapp ikuhlinzekele.
With I-SmartBuy, abasebenzisi bangathola izaphulelo ezinhle ngenkathi bethenga ku-inthanethi. Ukwengeza, uhlelo lokusebenza luvumela abasebenzisi ukuthi bathumele imali kunoma ubani ohlwini lwabo loxhumana nabo noma ngokuqondile ku-akhawunti yabo yasebhange, bakhokhe izikweletu futhi bashaje kabusha iselula yabo, i-DTH, nekhadi ledatha kalula. Izwa ukusebenziseka kalula kwe-Cashless nge-PayZapp.
Uhlelo Lomvuzo
- Zuza imbuyiselo ngokwenziwe ngohlelo lokusebenza lwe-PayZapp
- Ukunikezwa okukhethekile nezaphulelo zabasebenzisi be-PayZapp kubathengisi ababambisene
- Amaphoyinti okuklomelisa ngokusebenzisa i-PayZapp emisebenzini ehlukahlukene efana nezinkokhelo zezikweletu, ukushajwa kabusha kwamaselula, nokunye.
- Sebenzisa amaphoyinti okuklomelisa ukuze uthole izaphulelo zokuthenga esikhathini esizayo noma amavawusha esipho
- Okunye okunikezwayo okusebenzayo kufaka phakathi:
- Kufika ku-Rs 250 I-CashBack ku-PayZapp Bill Payments
- Thola imbuyiselo engu-Rs 50 e-Amazon lapho ushaja kabusha iselula noma ukhokha izikweletu
- Thola isephulelo esingu-50% esiphelele ebulungwini bonyaka ongu-1 be-Amazon Prime nge-Exclusive Youth Offer.
Okukhethiwe okuphezulu okungu-3
Ngemuva kokucwaninga nokuhlaziya okuphelele, sikhethe ngesandla izikhwama zedijithali ezi-3 eziphezulu ohlwini lwama-wallet angu-9 ahamba phambili e-India ukuze athole imbuyiselo - PhonePe, I-Paytm, ne-GooglePay. Ake sixoxe ngobuhle nobubi bazo.
I-PayTM
buhle
- I-Paytm kulula ukuyisebenzisa nokuphequlula, okwenza kube lula kubathengi ukuqedela ukuthengiselana.
- Abasebenzisi kungenzeka basebenzise uhlelo lokusebenza njalo njengoba umsebenzi wekhadi lokuklwebha wenza izinkokhelo zijabulise futhi zimangaze.
- Okwenziwayo kuyasheshiswa futhi kwenziwa kusebenze kangcono ngezinkokhelo ezisheshayo ze-UPI.
- Ukuze kuvikelwe ulwazi lwabasebenzisi lwezezimali nelomuntu siqu, uhlelo lokusebenza lusebenzisa ukubethela okungu-128-bit ukuze kube nezinkokhelo ezivikelekile.
bawo
- Kuyenzeka ukuthi isikrini sasekhaya sohlelo lokusebenza sibonakale singahlelekile futhi siminyene.
- Okwenziwayo kuyabambeka ngezikhathi ezithile ziphawuliwe njengenkinga ngabasebenzisi abathile.
- Isevisi yekhasimende ngeke isheshe ngendlela obekulindelwe ngayo.
- Ngokusho kwabasebenzisi abambalwa, uhlelo lokusebenza alusalethi amadili amaningi amahle kanye neminikelo njengoba lenza ngaphambili.
IfoniPe
buhle
- I-PhonePe inikeza ithuluzi elilungele abasebenzisi bebhizinisi ukwenza ukuthengiselana.
- Ukudluliswa kwezimali okuqondile kuqeda isidingo sokuxhumanisa i-akhawunti noma ikhadi.
- Uhlelo lokusebenza lusekela izilimi eziningi, okulwenza lusebenziseke kalula kubantu abangakhulumi isiNgisi.
bawo
- Kungase kube nezinkinga ngokubuyiselwa kwemali kwamathikithi akhanseliwe.
- Ideshibhodi ingakwazi kungafinyelelwa ngaphandle kokuqinisekisa okufanele.
- Ukucubungula isikweletu kungathatha amahora angama-24 kwezinye izimo.
I-GooglePay
buhle
- Igcina irekhodi lakho konke okwenziwayo ukuze kusetshenziswe kalula
- Ivumelanisa ulwazi kuwo wonke amadivayisi amaningi ukuze kube lula
- Inikeza izinketho zokukhokha ezithembekile nezivikelekile
- Interface yomsebenzisi-friendly
bawo
- Uhlelo lokusebenza lweselula lungathuthukiswa mayelana nolwazi lomsebenzisi
- Ukubuyekeza credit card ulwazi kungaba nzima
- Ingazuza kuzaziso ezinemininingwane eminingi nezincazelo zemigomo yesevisi
- Kungase kudinge ukuhlolwa okuningi kokuphepha ukuze kuqedelwe ulwazi lokukhokha kuwebhusayithi.
Ukukhetha kwethu
Uma kuziwa umuzwa wokugcina wembuyiselo, I-Paytm ithatha ikhekhe! Ngesistimu yabo yamakhadi okuklwebha ajabulisayo, yonke inkokhelo iba umdlalo othokozisayo wethuba lokuzuza imiklomelo yokubuyiselwa kwemali eyengeziwe. Futhi, isakhiwo esilula sohlelo lokusebenza sikwenza kube lula ukuzulazula nokuqedela okwenziwayo.
Kepha akupheleli lapho.
Ukubethela kwe-Paytm okungu-128-bit kuqinisekisa ukuthi zonke izinkokhelo zakho zivikelekile. Impela, isikrini sasekhaya singase siminyene kancane, futhi ukwesekwa kwamakhasimende kungaba ngcono, kodwa nge-Paytm, awubambeki. Ngakho-ke, usalindeni? “Paytm Karo” futhi uqale ukuzuza leyo miklomelo yokubuyisela imali!
shiya impendulo