Izikhangiso
Isikhathi esithathwa yi-Nubank ukukhulisa umkhawulo wekhadi lesikweletu singabadumaza amakhasimende amaningi. Bona ukuthi kungani!
Njengoba inamakhasimende ayizigidi ezingu-77,7, idlula ngisho ne-Banco do Brasil, i-Nubank inikeza insizakalo ebalulekile empilweni yabantu abaningi baseBrazil: ikhadi lesikweletu. Le “roxinho” edumile, ye-fintech eyasungulwa ngu-David Vélez, ingelinye lamakhadi athandwa kakhulu eBrazil.
Nokho, udaba oluthile selubangele ukunganeliseki kubasebenzisi abaningi. Lapho ikhadi selivunyiwe, umthengi uvame ukuthola inani lesikweletu elingaphansi kwalelo alifisayo. Futhi, ukwenza izinto zibe nzima, isikhathi sokulinda izinguquko singaba side, okwenza ikhasimende licabangele ezinye izindlela ezishesha kakhulu.
Akunakwenzeka ukusungula isikhathi esinqunyiwe sokuthi i-Nubank inyuse lo mkhawulo, kodwa kulinganiselwa ukuthi le fintech, njengamanye, ithatha izinyanga ezi-3 kuya kwezi-6 ukwenza lolu lungiso. Empeleni, lesi sikhathi sincike kokubili enkampanini nasephrofayilini yekhasimende.
Thola ukuthi i-Nubank iwusungula kanjani umkhawulo wekhadi
Funda futhi: Funda konke mayelana ne-Values a Receber
Ngokusho kweNubank, lapho ivuma ikhadi lekhasimende, i-algorithm ihlaziya izibikezelo zezindleko, amaphethini okusebenzisa, ukuhlolwa kobungozi futhi ibheka imininingwane yangaphandle – i-credit score nayo ibalulekile lapha. Ngakho-ke, yimininingwane yomnikazi enquma umkhawulo wokuqala.
Ngaphezu kwalokho, ngokwebhulogi ye-fintech, i-algorithm ivuselelwa njalo ngolwazi olusha. Inkampani iphinde igcizelele ukuthi, kwezinye izikhathi, inyusa umkhawulo nangaphambi kokuba ikhasimende licele.
Ungay ‘usheshisa’ kanjani inqubo yokwenyusa umkhawulo?
Funda futhi: I-Bolsa Família: Izinketho Ezintsha Zokubolekwa Imali Ezitholakala nge-Caixa Tem
Ngokubona ukuthi ukulungiswa kungathatha ngaphezu kwezinyanga ezi-3 nokuthi iNubank isebenzisa imininingwane yekhasimende ukunquma umkhawulo, kubalulekile ukwamukela izindlela zokuziphatha ezizuzisayo. Nazi iziphakamiso ezi-6 zokwandisa lokhu kwenyuka:
- Khokha izikweletu kuze kufike osukwini lomnqamulajuqu;
- Sebenzisa isikweletu esitholakalayo;
- Hlanganisa ukuthenga ekhadini;
- Gwema ukusebenzisa njalo isikweletu esijikelezayo;
- Khokha yonke imali ekweletwayo ngaphambi kosuku lokukhokha;
- Buyekeza imininingwane yemali engenayo ku-app yeNubank.
