Ukwenza ibhajethi kuwumkhuba obalulekile ongaholela empumelelweni yakho yezezimali. Nokho, kuyaziwa ukuthi ukulandelela izindleko zakho nemali engenayo kungase kube nzima, ikakhulukazi uma kunemisebenzi eminingana.
Okuhlengayo kukhona amathuluzi okwenza ibhajethi afana ne-Spendee ne-Wallet evela ku-BudgetBakers!
Ngosizo lwalezi zinhlelo zokusebenza eziwusizo, ungakwazi ukuphatha imali yakho, ulandelele indlela osebenzisa ngayo imali, futhi usebenzele ezinhlosweni zakho zezezimali.
Ukukhetha ithuluzi lesabelomali elikusebenzelayo kubalulekile uma kubhekwa insada yezinketho ezitholakalayo. Isimo sakho sezezimali singalawuleka, ungenza izinqumo ezihlakaniphile mayelana nemali yakho, futhi ekugcineni ungakwazi ukufeza imigomo yakho yezezimali ngethuluzi elifanele lesabelomali.
Sizohlola I-Spendee ne-Wallet ngabakwa-BudgetBakers, izicelo ezimbili zebhajethi ezithandwa kakhulu ziyafinyeleleka, ngemininingwane eyengeziwe ukukusiza ekwenzeni isinqumo esingcono kakhulu.
Uhlolojikelele
(i) Ukuchitha isikhathi
I-Spendee iyithuluzi lomuntu siqu eliwusizo lezezimali elivumela abasebenzisi ukuthi balandelele kalula izindleko zabo futhi baphathe ibhajethi yabo. Inamathuluzi ahlukahlukene asebenziseka kalula ukukusiza ukuthi uhlale unolwazi lwemali yakho, njengebhajethi eyenziwe ngokwezifiso, imibono yokonga, iziphakamiso zomkhiqizo, nokuningi.
Uhlelo lokusebenza lwethulwa ngo-2017 futhi ikomkhulu le-EU. Inethimba losomabhizinisi abanolwazi okuhlanganisa UDavid Neveceral, uJakub Sechter, uJan Castek, noMiroslav Chmelka.
I-Spendee iyindlela ethandwayo yabathengi abafuna ukulawula indlela abasebenzisa ngayo imali. Ijabulela isilinganiso esihle esingu-4.7 kwezingu-5 ku-App Store. Iphinde yathola efiswayo Imiklomelo ye-Mobile UX ngo-2017, iqinisa isimo sayo njengenkundla yosizo lwezezimali ethembekile nenekhono.
(ii)I-BudgetBakers Wallet
Ihlinzeka ngamathuluzi okuphatha izimali zabathengi namabhizinisi amancane, i-BudgetBakers Wallet iyisiqalo se-fintech esinezinga lokukhula ngokushesha. Itholakala ePrague, eYurophu. Uhlelo lokusebenza lwasungulwa ngu-Jan Muller ngo-2014. Isiteji sihlinzeka ngezixazululo eziqinile zebhizinisi ezifana nokuhlukaniswa kwemisebenzi, ukulandelela, ukuhlela isabelomali, nezinye izinjongo.
I-BudgetBakers igxile ezinhlelweni zokuphatha izakhiwo kanye nama-API ezinhlangano ze-fintech. Iqhutshwa ithimba lochwepheshe nabangane abangaphezu kuka-40. Isivele inokulandwa okungaphezulu kwezigidi ezingu-6.5 futhi inezilinganiso zabasebenzisi abangu-4.7 ku-Playstore.
Uhlelo lokusebenza lusebenza ngezilimi ezingaphezu kuka-20. Ukuze ukwanelisa izidingo ezishintshayo zabathengi, i-BudgetBakers izinikele ekubanikezeni ithuluzi elilula neliwusizo lokuphatha imali yabo. Ukuze kube njalo, inkampani iqhubeka ithuthukisa futhi ithuthukisa inkundla yayo.
Isixhumanisi somsebenzisi
(i) Ukuchitha isikhathi
I-Spendee inesixhumi esibonakalayo esisebenziseka kalula okulula ukusisebenzisa. Isikrini sasekhaya sinamathebhu amabili, eyodwa eyedeshibhodi nenye eyokubeka imali. Ekhasini lesabelomali, ungakwazi ukufinyelela kalula kuzo zonke izabelomali zakho ezikhethiwe ngezinjongo ezithile. Ideshibhodi ihlukaniswe izingxenye ezimbili, izikhwama zemali kanye nokubuka konke.
Isigaba se-wallet sibonisa wonke ama-wallet akho axhunyiwe futhi ama-akhawunti asebhange. Isigaba sokubuka konke sibonisa idethi yenkathi yamanje, ibhalansi, izindleko, nemali engenayo. Ungaphinda ubuke umlando wakho wokwenziwe ngezansi ngaphansi kwesigaba sokubuka konke. Sekukonke, isixhumi esibonakalayo sika-Spendee silula, siyisisekelo, futhi sifanelekile kwabaqalayo.
(ii)I-BudgetBakers Wallet
I-BudgetBakers' UI ingeyesimanje futhi iyakhanga. Ideshibhodi iyisikrini esikhulu esikunikeza isifinyezo esisheshayo sesimo sakho sezezimali samanje.
Ikhasi lezibalo lihlanganisa izibalo ezibanzi nezibalo zokukusiza uhlaziye amaphethini akho okuthenga. Ikhasi lama-akhawunti yilapho ongengeza futhi uphathe ama-akhawunti akho asebhange.
Ikhasi lamarekhodi liqukethe uhlu olugcwele lwakho konke okwenzile. Ikhasi lokungenisa likuvumela ukuthi ufake idatha esuka kweminye imithombo njengezitatimende zasebhange. Naphezu kwamakhono ayo amaningi, umklamo awunamandla futhi awunzima, futhi kulula ukuhamba ngohlelo. Ngokuvamile, i-UI yakhelwe kahle futhi isebenziseka kalula.
Izici
(i) Ukuchitha isikhathi
1. Ukuhlaziywa Kwezezimali kanye Nemininingwane: U-Spendee uhlaziya isimo sakho sezezimali nokusebenza ngendlela elula nefushane. Ama-algorithms ahlakaniphile ka-Spendee azohlukanisa ngokuzenzakalelayo okwenziwayo futhi akubonise ngamagrafu namashadi acacile, aqondakala kalula ngemva nje kokuxhumanisa i-akhawunti yakho yasebhange.
Uzokwazi ukuqonda ukuthi imali yakho ivela kuphi futhi uhambe kuphi, okukusiza ukuthi wenze izinqumo ezifunde kakhulu zokusebenzisa imali. Imininingwane ka-Spendee ikusiza ekuhlonzeni izindawo lapho ungase ukwazi khona eqela ngaphezulu nalapho ibhajethi yakho ingase idinge ukulungiswa.
2. Ukulandelela Okwenziwayo Okubanzi: I-Spendee ikuvumela ukuthi ulandelele zonke izinkokhelo zakho zemali endaweni eyodwa. Ungakwazi kalula ukuxhuma i-akhawunti yakho yasebhange futhi ungenise yonke imisebenzi yakho ohlelweni, noma ungazifakela izindleko zakho eziyingxenye evamile yesabelomali sakho sanyanga zonke.
Iphinde ikuvumela ukuthi uxhume eyakho i-wallet ye-crypto, ikunikeza isithombe esiphelele sezimali zakho endaweni eyodwa. Ikunikeza isithombe esigcwele sendlela osebenzisa ngayo imali kanye nesabelomali ngesikhathi sangempela, ikuvumela ukuthi wenze izinqumo ezifundile mayelana nokuphatha imali yakho.
3. Uhlahlomali lwesikhathi esizayo: Esinye sezici ezinkulu zika-Spendee yikhono lokudala ibhajethi yezidingo zesikhathi esizayo.
Abasebenzisi bangakha amabhajethi ambalwa, bazilungise ezidingweni zabo ezithile, futhi bakhethe emikhakheni eminingi efana nokudla, izikweletu, ezokuzijabulisa, izimoto, umndeni, njalo njalo. Bangakwazi futhi ukukhetha usuku okufanele kuhlelwe ngalo isabelomali.
4. Izinhlobo Zemali Eziningi: I-Spendee isekela izinhlobo zemali ezimbalwa, eziwusizo kubahambi nabahamba ngedijithali abaphatha imali ngemali engaphezu kweyodwa.
(ii)I-BudgetBakers Wallet
1. Ibhajethi ehlakaniphile: I-BudgetBaker ikuvumela ukuthi udale ibhajethi ye-akhawunti yakho ngayinye, okukuvumela ukuthi ulandelele indlela osebenzisa ngayo imali futhi wonge okwengeziwe. Isofthiwe ikwazisa uma weqa imikhawulo yesabelomali sakho, okukuvumela ukuthi ugweme ukukhokha ngokweqile.
Ungakwazi futhi ukusungula imigomo yokonga futhi ulandelele ukuqhubeka kwakho ukuya kuyo, nge-Wallet elinganisela ukuthi uzohlangabezana nayo yini ngokusekelwe emikhubeni yakho yokusebenzisa imali.
2. Ukulandelela izindleko: The ukulandelela izindleko umsebenzi ku-BudgetBaker iyindlela ephelele futhi elula yokulawula indlela osebenzisa ngayo imali. Ungabona kalula ukuthi imali yakho iya kuphi ngenxa yekhono layo lokuhlela ngokuzenzakalela ukusetshenziswa kwezimali zibe izihlokwana ezifana nokudla, ezokuthutha, nendawo yokulala.
Ukuze ugcine amarekhodi akho esesikhathini samanje, ungase futhi ufake okwenziwa ngokheshi mathupha.
Uhlelo lukhula luhlakaniphe futhi lungcono ekuhlonzeni indlela osebenzisa ngayo imali njengoba ulisebenzisa, okwenza kube lula ukuphatha izimali zakho. I-BudgetBaker ingakusiza ukuthi ulandele umkhondo ukuthi wongela ukuthenga okukhulu noma uzama ukunamathela kubhajethi.
3. Izinkokhelo Ezihlelwe Ngaphambili: Inketho 'yezinkokhelo ezihleliwe' ku-BudgetBaker iyithuluzi elihle kakhulu lokulandelela ukusetshenziswa kwemali okuphindaphindiwe. Ungakwazi kalula ukuphatha eyakho ukungena kwemali futhi siqinisekise ukuthi unemali eyanele yokubuyisela izindleko zakho ngokuthola nokuguqula izinkokhelo eziphindelelayo zibe izinkokhelo zesikhathi esizayo ezihleliwe.
Ungakwazi futhi ukufaka izinkokhelo ezihleliwe mathupha ohlelweni lokusebenza ukuze ubone ibhalansi yakho yonke. Nakuba i-BudgetBaker isiza ngesabelomali, kusafanele usebenzise uhlelo lwakho lokusebenza lwasebhange ukwenza izinkokhelo. Ngalesi sici, uyakwazi ukulawula ngokuphelele izimali zakho futhi ungakwazi ukuhlela kusengaphambili izindleko zesikhathi esizayo.
4. Ukuvumelanisa Kwebhange: Isici se-BudgetBaker's Bank Sync sikusiza ukuthi ulandelele imisebenzi yakho kalula. Ngokuvumelanisa i-akhawunti yakho yasebhange nohlelo lokusebenza, awusadingi ukufaka mathupha konke okwenziwayo.
Ngamandla okuhlanganiswa kwamabhange angaphezu kuka-15,000, ungathemba ukuthi i-AI izongena ngokuzenzakalelayo futhi ihlukanise okwenziwayo ngezigaba. Lokhu akukongi isikhathi kuphela kodwa futhi kukunikeza umbono onembile nobanzi ngesimo sakho sezezimali.
5. I-CashFlow Insights: Umsebenzi we-BudgetBaker's Cashflow Insights uyithuluzi eliwusizo lokuphatha imali okungcono. Isikhwama semali sibona izindawo lapho imali yakho ingase isale khona futhi ikusiza ekuqedeni noma yiziphi izindleko ezingadingeki ngokuhlaziya indlela osebenzisa ngayo imali nendlela ongenisa ngayo imali.
Leli thuluzi liwusizo ikakhulukazi ekuboneni ukukhokha okuzenzakalelayo okuphindaphindiwe, njengokubhaliselwe nezinye izindleko, ongase ungazi. Isofthiwe ikusiza ukuthi uphathe imali yakho ngempumelelo kakhulu ngokubonisa ukugeleza kwemali okulindelekile emavikini ambalwa alandelayo. Iphinde ikusize ekukhokheleni izikweletu zakho ngokulandelana okufanele, ugweme noma yiziphi izimali ezingeziwe sekwephuzile noma izinhlawulo.
6. Imibiko: Ithuluzi le-P&L Report le-BudgetBaker likuvumela ukuthi ukhiqize ngokushesha umbiko wemali engenayo nowokusetshenziswa kwemali ngesikhathi samanje noma sangaphambilini ozikhethele sona. Lo msebenzi uhlukanisa iholo lakho kanye nendlela osebenzisa ngayo imali futhi ukubonise emibikweni ehlukahlukene njengombiko webhalansi, umbiko wokugeleza kwemali, kanye nombiko wemali eqoqwayo.
Ungase uthole umbono obanzi ngemali yakho futhi uhlakaniphe izinqumo zezimali esikhathini esizayo ngale mininingwane enembayo. Imibiko ifundeka kalula futhi ikunikeza isithombe esihlelekile sezimali zakho, okukuvumela ukuthi uthole izindawo ongathuthukiswa futhi uphathe imali yakho ngempumelelo.
7. Ama-akhawunti amaningi:- Isici se-BudgetBaker's Multiple Accounts sivumela abasebenzisi ukuthi baphathe ama-akhawunti ahlukene afika kwamathathu ngesikhathi esisodwa. Kungakhathaliseki ukuthi i-akhawunti yemali, i-akhawunti yokutshala imali, noma i-akhawunti yemalimboleko, abasebenzisi bangashintsha kalula phakathi kwakho ngokuthepha nje okumbalwa.
Ukufaka idatha mathupha akunconywa, ngakho abasebenzisi bangamane balayishe amaspredishithi abo futhi bavumele i-BudgetBaker yenze okunye. Lesi sici sinikeza indlela esheshayo nelula yokuphatha ama-akhawunti amaningi ngaphandle kobunzima bokushintsha phakathi kwezinhlelo zokusebenza ezihlukene noma amaspredishithi.
Zamanani
(i) Ukuchitha isikhathi
(ii)I-BudgetBakers Wallet
A "Starter” iphakethe kanye “Premium” Uhlelo luyatholakala kokubili ku-BudgetBakers. Ubulungu benyanga bezindleko zohlelo lwe-premium $6.39, kuyilapho ukubhalisa konyaka kubiza $31.99.
I-BudgetBakers iletha iningi lomsebenzi wayo ohlelweni lwamahhala, ngokungafani ne-Spendee. Noma kunjalo, uhlelo lwe-premium luza nokunye okungeziwe okumangalisayo, njengokubambisana nabangane nomndeni, ukuvumelanisa kwe-akhawunti yasebhange okungenamkhawulo, nama-akhawunti amaningi.
Futhi uthola ukufinyelela enanini lamashadi ayinkimbinkimbi, imibiko, namathuluzi. Ukukuvumela ukuthi uzame ngaphambi kokuthenga, bakunikeza nenguqulo yesilingo yezinsuku eziyi-14 yokubhaliselwe okukhokhelwayo. Uhlelo lwamahhala luzokwanela ngokuphelele uma ungumuntu ojwayelekile. Uhlelo lwe-premium, nokho, luyindlela engcono kakhulu uma uchwepheshe ngemali.
Security
(i) Ukuchitha isikhathi
Ukugcina ulwazi lwakho lwezezimali luvikelekile kubaluleke kakhulu, futhi uSpendee ukuqonda kahle lokhu. Kungakho isebenzise izindlela ezahlukahlukene zokuvikela ubumfihlo bedatha yomsebenzisi. I-Spendee ayilugcini ulwazi lwe-akhawunti yakho yasebhange ngendlela evumela ukuthi kwenziwe izinkokhelo, ukuze uphumule ngoba wazi ukuthi izimali zakho ziphephile.
Ukuxhumana phakathi kohlelo lokusebenza namaseva kubethelwe ukuvimbela ukufinyelela okungagunyaziwe. Futhi ngokuphepha okwengeziwe, i-Spendee ikuvumela ukuthi usethe ikhodi yokudlula enezinhlamvu ezingu-4 noma usebenzise ukuqinisekiswa kwe-biometric.
Ngaphezu kwalokho, uma ususa i-akhawunti yakho ye-Spendee, yonke idatha yakho, ama-akhawunti, kanye nokuthenga kususwa ngokushesha nangokuphelele. Konke kuyingxenye yokuzibophezela kuka-Spendee ekugcineni idatha yakho iphephile futhi ivikelekile.
(ii)I-BudgetBakers Wallet
I-BudgetBakers i I-PSD2-iyahambisana isixazululo sokuphathwa kwedatha yezezimali, okusho ukuthi sihlangabezana nezidingo eziqinile zokuphepha ze-European Union zokuphatha idatha yezezimali. Kunjalo futhi ISO 27001 eqinisekisiwe, ekhombisa ukuthi yenze uhlelo oluphelele lokuphatha ukuphepha kolwazi. Ngaphezu kwalokho, iBudgetBakers I-PCI DSS iyahambisana, iqinisekisa ukuthi ithobela izindinganiso eziqinile zokucubungula idatha yekhadi lokukhokha.
Ukuze kuvikelwe idatha yomsebenzisi, inkundla isebenzisa izindinganiso eziqinile zangaphakathi ezikhuthaza izinga eliphezulu lokuqwashisa ngokuvikeleka phakathi kwabasebenzi bayo kanye nezixazululo ezithembekile zokuphepha zobuchwepheshe. I-Czech National Bank futhi Abalawuli be-EU bobabili basebenzisa ulawulo oluqinile kuma-BudgetBakers.
Ngoba yonke idatha idluliswa ngaphesheya I-TLS ibethelwe eziteshini, noma esimweni sokwephulwa kwedatha, idatha ayikwazi ukufinyelelwa abanye abathintekayo. Inkundla iyasebenza I-Microsoft Azure Cloud, edume ngezici zayo zokuphepha ezisezingeni eliphezulu ngokomzimba nangokwe-elekthronikhi, ukugcina imininingwane yayo yolwazi ivikelekile.
Ukusekela Amakhasimende
(i) Ukuchitha isikhathi
I-Spendee inikeza isigaba se-FAQ esibanzi ukusiza abasebenzisi babhekane nezinkinga ezivamile abangase babhekane nazo ngenkathi besebenzisa uhlelo lokusebenza. Uma ungayitholi impendulo yombuzo wakho lapho, ungahlala uchofoza inketho yosizo futhi uthumele umbuzo wakho nanoma yiziphi izinanyathiselwa ozidingayo.
Yize ingekho inombolo yocingo etholakalayo yosekelo, ungahlala uthumela imibuzo yakho ngqo ku-Spendee ku- [i-imeyili ivikelwe]. U-Spendee uphinde anikeze ukwesekwa okubukhoma phakathi nesonto kusukela NgoMsombuluko kuya kuLwesihlanu Phakathi 10am kuya ku-5pm, ikunikeza ithuba lokuxhumana ngokushesha nomuntu omele futhi uthole usizo ngodaba lwakho.
(ii)I-BudgetBakers Wallet
Isikhungo Sosizo ku-BudgetBakers Wallet sinikeza inhlobonhlobo yamabhulogi ngezihloko eziningi, okuhlanganisa ukuthi ungaqala kanjani, abathintwayo, ama-akhawunti, Imibuzo Evame Ukubuzwa, nokuningi. Abasebenzisi bangasebenzisa lesi sisetshenziswa esihle kakhulu ukuthola izimpendulo ebunzimeni obuvamile. Ngomsebenzi wempendulo, abasebenzisi bangashintshana ngemicabango nezincomo.
Nakuba kunohlelo lwengxoxo ebukhoma, lusetshenziswa i-bot, ngakho abathengi bangase bangalutholi luyinketho enkulu kakhulu. Akubonakali kunenombolo yocingo eqondile noma ikheli le-imeyili, okungenza kube inselele kubathengi ukuthi bathinte ukunakekelwa kwamakhasimende uma benemibuzo ephuthumayo noma ethize.
Sekukonke, Isikhungo Sosizo siyisisetshenziswa esiwusizo; Nokho, abanye abasebenzisi bangase bakuthole kukhungathekisa ukuthi azikho ezinye izindlela zokuxhumana eziqondile.
shiya impendulo