Izikhangiso
I-Nubank, ehlala ihamba phambili ezisombululweni zezezimali zedijithali, yethule into entsha edala umsindo omkhulu ku-inthanethi. Le fintech, eyaziwa ngokwenza impilo yezezimali yabasebenzisi bayo ibe lula, yethule isici esisha esivumela amakhasimende ukuthi afake imali ku-akhawunti yamanje esebenzisa umkhawulo wekhadi lesikweletu.
Ngakho-ke, lokhu kusebenza kumelela intuthuko enkulu, kunikeza abasebenzisi ukuguquguquka nokulawula okwengeziwe kwezezimali. Ngale nketho entsha, i-Nubank iqinisekisa kabusha ukuzibophezela kwayo ekunikezeni izinsizakalo ezihlangabezana ngempela nezidingo zamakhasimende ayo, yenza impilo yansuku zonke ibe lula futhi inikeze ulwazi lwezezimali olungenakuqhathaniswa.
Ukunanela kwalezi zindaba bekungeke kube kuhle kakhulu. Ezinkundleni zokuxhumana nasemaforamu aku-inthanethi, abasebenzisi be-Nubank bazwakalisa intshiseko ngethuba lokuphatha izinsiza zabo ngendlela ephumelela kakhudlwana. Umsebenzi wokwengeza imali usebenzisa umkhawulo wekhadi lesikweletu ubhekwa njengesinyathelo esiya phambili ekuzimeleni ngokwezimali, uvumela amakhasimende ukuba abe nenye inketho yokuhlela izimali zawo ngokwezidingo zawo ezithile.
Ukusebenziseka kalula nokuba lula, okuyizimpawu ezaziwayo ze-Nubank, kukhona nakulo msebenzi omusha, okwenza ufinyeleleke kubo bonke abasebenzisi.
Bona Okuningi: Yazi izinzuzo ezengeziwe ze-Bolsa Família
Usebenza kanjani umsebenzi omusha we-Nubank?
Ukuqonda ukuthi lo msebenzi omusha usebenza kanjani kulula. Umsebenzisi angadlulisela ingxenye yomkhawulo wakhe wesikweletu otholakalayo ngokuqondile ku-akhawunti yakhe yamanje kwa-Nubank. Le mali iba yibhalansi ku-akhawunti, engasetshenziselwa ukukhokha, ukudlulisa imali, noma esinye isidingo, njengawo wonke omunye umvuzo ofakiwe. Kuyindlela elula yokuthola izinsiza ngokushesha, ikakhulukazi ezimweni eziphuthumayo noma lapho kuvela ithuba elidinga ukukhokhwa ngokushesha.
Ukungafihli ekusebenzeni kuyiphuzu eliqinile lalesi sici esisha. I-Nubank iqinisekisa ukuthi yonke imininingwane yokwenziwe, okuhlanganisa izimali nez inzalo, idluliselwa kumsebenzisi ngaphambi kokuqinisekisa. Ngale ndlela, ikhasimende liyazi ngokugcwele izimo futhi lingathatha isinqumo esinolwazi, ligweme izimanga ezingajabulisi esikhathini esizayo. I-fintech iphinde igcizelele ukubaluleka kokusebenzisa lo msebenzi ngokuqaphela, njengengxenye yohlelo lwezezimali oluhleleke kahle, ukuze kugwenywe ukuba nezikweletu ezingadingekile.
Izinzuzo nokucatshangelwa okubalulekile
Umsebenzi omusha we-Nubank uletha uchungechunge lwezinzuzo. Okuyinhloko yazo ukuguquguquka kokuphatha ibhalansi ye-akhawunti yamanje kanye nomkhawulo wekhadi lesikweletu ngendlela edidiyelwe. Lokhu kuvumela ukuhleleka okungcono kwezezimali kanye nethuba lokubhekana nezimo ezingalindelekile ngokushesha nangempumelelo. Ngaphezu kwalokho, ukusebenziseka kalula kanye nesivinini sokudluliswa kwemali yizici abasebenzisi be-Nubank asebezazi futhi abazazisayo.
Nokho, kubalulekile ukuthi abasebenzisi baqaphele izimali nezinga lenzalo elihilelekile kulokhu kusebenza. Njenganoma yikuphi ukuthengiselana kwezezimali, kubalulekile ukufunda ngokucophelela lonke ulwazi nokuqinisekisa ukuthi isinqumo sihambisana nohlelo lomuntu siqu lwezezimali. Ngale ndlela, ukusebenzisa lo msebenzi ngokuqaphela kubalulekile ukuze kuqinisekiswe ukuthi uba umsizi ekuphathweni kwezimali, hhayi umthombo wezinkathazo zesikhathi esizayo.
Umsebenzi omusha we-Nubank wokwengeza imali ku-akhawunti usebenzisa umkhawulo wekhadi lesikweletu uyinto entsha ethola ukunconywa kubasebenzisi nakongoti. Ngakho-ke, ubonisa ukuzibophezela kwe-fintech ekunikezeni izixazululo ezisebenzayo nezisebenza kahle, njalo igxile kokuhlangenwe nakho nezidingo zekhasimende. Ngale nto entsha, i-Nubank iqinisa isikhundla sayo njengomholi kwezinto ezintsha emkhakheni wezezimali zedijithali, iletha elinye ithuluzi elithembisa ukwenza ukuphila kwezezimali kwabasebenzisi bayo kube lula.
