Umhlaba ubhekene nenguquko yedijithali ezandleni zamafoni omakhalekhukhwini noma ama-smartphone, lapho imisebenzi eminingi ingenziwa: kusuka eku-odeni ukudla, ukucela ukulethwa kweminye imikhiqizo, ukuthenga phesheya online, ukuvula ama-akhawunti asebhange ngemizuzu emihlanu, yenza ukudluliselwa futhi ukhokhele nesidlo sasemini endaweni yokudlela noma ithikithi ezitolo ezahlukahlukene ezinjengezitolo ezinkulu, amakhemisi neziteshi zesevisi. Kulokho kufanele ube neselula futhi ube nesikhwama semali esifana nalesi esinikezwa izinkampani ezahlukahlukene.
Ngaphakathi kwalezi zikhwama ezibonakalayo indlela eshesha kunazo zonke futhi esetshenzisiwe yileyo ye- khokha nge-QR (Ikhodi yokuphendula esheshayo, "ikhodi yokuphendula ngokushesha"). Akukhudlwana noma kungaphansi kokuvela kwebhakhodi yakudala, yize kuleli cala inezikwele ezintathu emakhoneni ezivumela umfundi ukuthi abone ukuma kwekhodi.
Into yokuqala okufanele yenziwe ngumsebenzisi ukulayisha idatha yama-akhawunti asebhange namakhadi ohlelweni lwesicelo abazolisebenzisa.
Ngemuva kwalokho, lapho ufika endaweni, ungakhetha ukuyenza khokha nge-QR kuthwetshulwa ikhodi kusuka kolunye lwalezi zinhlelo zokusebenza. Uma ufuna ukukhokha, ungakhetha izindlela zokukhokha efonini. Ngalokho, isicelo se-wallet esibonakalayo kufanele imali ilayishwe kabusha ngqo kusuka kudebhithi noma ekhadini lesikweletu lalowo ophethe i-akhawunti ebhange noma ngokwenza idiphozi esikhwameni sabo sedijithali.
Inzuzo ezitolo ukuthi ukushaja ngale ndlela akusho ukuthi ikhomishini yomthengisi sengathi uyenza ngekhadi lasebhange (esinye sezithiyo ezinkulu kumthengisi omncane) futhi alinazo izindleko zokuqala ezihambisanayo noma zenyanga.
Khokha nge-QR kunezinzuzo eziningi, phakathi kwazo kukhona:
- Inikeza ukuphepha okukhulu nenduduzo. Kunezindlela eziningi zokukhipha imali ngokuphepha ngaphandle kwesidingo sokuya ku-ATM noma egatsheni lasebhange.
- Umlando wesikweletu. Usebenzisa i-akhawunti yokonga noma isikhwama esibonakalayo ukwenza izinkokhelo ze-elekthronikhi kukuvumela ukuthi ushiye umkhondo wezinyawo odala inkumbulo yesikweletu. Ngokufanayo, kwenza kube lula ukufinyelela kwizikweletu ngoba amabhizinisi aqonda ukuthi umsebenzisi ungumuntu onokwethenjelwa ohlelweni lwezezimali.
Le ndlela ayihlinzeki ngamathuluzi nobuchwepheshe ukuze kudlulele ekwenzeni i-digitization.