Ukujongwa kwintsebenzo ethandwayo yentlawulo yeselula
"Kanye nje ngoVenmo." Ngaba uyivile le binzana? Ukuba akunjalo, ithuba lokuliva kungekudala. Eyasungulwa ngo-2009, iVenmo iyisistim eselula esivumela abantu ukuba batshintshe imali phakathi kwabahlobo kunye nosapho, kunokuvula ii-wallets zabo nokukhupha imali. Kwaye kwada kwaba ngo-2014, nangona kunjalo, xa i- Android Pay kunye ne-Apple ihlawule, ukuba inkokhelo yeentlawulo zamaselula yaqala ukucima. Enyanisweni, uMarketer uqikelele ukuba bekuza kubakho abasebenzisi abayi-50 million abasebenzisa imali yokuhlawula imoto e-US ngasekupheleni kuka-2017.
Iintlawulo zeetyala zingabhekisela ezintweni ezintathu: ukuhlawula kwirejista usebenzisa i-smartphone yakho; usebenzisa i-app ukwenza iintlawulo kwi-intanethi okanye kwelinye insiza, nokwamkela okanye ukuthumela imali ngaphakathi kwenkqubo yokuhlawula. Usenokuba wasebenzisa i-Android okanye i-Apple Pay ukuze wenze ukuthengwa kumthengisi, umzekelo, okanye udlulisele imali yerenti kumntu ohlala naye okanye isabelo sakho kwithebhu yokutyela kumhlobo okanye ilungu losapho usebenzisa i-Venmo. Nangona ungasebenzisi i-app yokukhokha ephathekayo njengeVenmo ngoku, ngabahlobo bakho mhlawumbi banjalo, kwaye kungekudala okanye emva koko baya kukuthumela isicelo okanye intlawulo. Landa uhlelo lokusebenza, kwaye uya kufumana imali yakho. (Ukunyaniseka kuyinto engenamsebenzi!)
I-Venmo ngokuqinisekileyo ikulungele, kwaye inika ukhuseleko olusemgangathweni lwezoshishino, kodwa, njengawe nayiphi na inkqubo okanye isofthiwe ejongene nemali, ayinakunqandwa.
Ungayisebenzisa njani iVenmo?
Ngokubanzi, ungasebenzisa iVenmo ngeendlela ezimbini ezahlukeneyo:
- Buyiselwa abahlobo kunye nosapho ngeendleko ezabelwana ngazo
- Ukuthengwa kwemveliso okanye iinkonzo ezivela kubalingani beVenmo
Imizekelo yendlela ongayisebenzisa ngayo iVenmo iquka:
- Ukuthumela umntu ohlala naye isabelo sakho serenti
- Ukucela isabelo somhlobo wakho kwibha yethinki
- Ukuhlawula i-takeout eyalwe kwi-app yokutya ehlangene noVenmo
- Ezinye iintlawulo ezingezizo ezoshishino nabantu obaziyo kunye nabathembayo
Nantoni na usebenzisa uVenmo, qalisa ngokudibanisa i-akhawunti yakho yasebhanki okanye i-debit okanye ikhadi lekhredithi, kwaye ngoko unako ukuthumela ngokukhawuleza kwaye ufumane iintlawulo okanye kuye nawuphi na omaziyo osebenzisa i-app. Ungathumela kwakhona iintlawulo kunye nezicelo kubangewona abasebenzisi, oya kuthi ke unyuselwe ukuba ubhalise. Uya kwaziswa emva kokuba ubhalise, kodwa ke, ukuba ayenjalo, kuya kufuneka uqokelele okanye uthumele imali ngendlela eyahlukileyo. (Ukuba ngumntwana wokuqala akulula.)
Xa uqala ukubhalisa, umda wokuthumela wakho ngu-$ 299.99. Xa usuqinisekisile ngempumelelo ubunikazi bakho ngokubonelela iidijithi ezine zokugcina ze-SSN yakho, ikhowudi yakho ye-zip kunye nosuku lokuzalwa, uya kukwazi ukuthumela kwi-$ 2,999.99 ngeveki. I-Venmo ikhululekile ukuba uthumele imali kwi-akhawunti yakho yasebhanki, ikhadi lebhange, okanye ukulinganisela kweVenmo. Ukuba uthumela imali usebenzisa ikhadi lekhredithi, uVenmo uhlawula intlawulo yepesenti ezintathu. Akukho mali yokufumana imali okanye ukusebenzisa iVenmo ukuthenga kwii-apps.
Emva kokuba usemisiwe, ungasebenzisa iVenmo phantse nayiphi na indlela oyithandayo: ukuhlawula umhlobo emva kokutya, thumela umntu ohlala naye kwizabelo zakho zefowuni, okanye ucele iintlawulo ezivela kubangani okanye kwintsapho kwi-Airbnb okanye i-HomeAway yokuqashisa. Qinisekisa ukuba usebenzise iVenmo kuphela nabantu obaziyo nabathembayo. Nangona i-PayPal ingenayo inkampani, ayikunikezeli ukhuseleko olufanayo lokuthenga. Ngoko ukuba uthengisa into kwi Craigslist okanye kwi-eBay (okanye nayiphina indawo yokuthengisa) kumntu ongazange udibane naye, kungcono ukuba ungasebenzisi iVenmo ngokuthengiselana. Gcina kwi-PayPal, i-Google Wallet, okanye ezinye iinkonzo ezinikezela ukukhuselwa kwizigameko kwaye zinokukunceda kwiimeko zokungahlawulwanga. Siza kungena kwiinkcukacha ezi ngakumbi kwicandelo elilandelayo.
Unokudibanisa i-akhawunti yakho yeVenmo ukuze uqhagamshelane neefowuni ezifana ne-Delivery.com ne-White Castle. Emva koko ungasebenzisa iVenmo ukuhlawula ukuthenga usebenzisa ezo zixhobo, kwaye ukwahlula iindleko zeekhebhu, ukutya, okanye ezinye iindleko ezabelwana ngazo. Amashishini asefowuni angongeza iVenmo njengendlela yokuhlawula kwi-checkout, ngokungathi unakho ukuhlawula nge-Android Pay, i-Apple Pay, i-Google Wallet kunye ne-PayPal, ngaphezu kokufakelwa kwekhadi lesikweletu.
UVenmo unomdla woluntu kwi-social media, oko kukukhethayo. Unokwenza ukuthenga kwakho esidlangalaleni, ukusasaza kwinethiwekhi yakho yabangani baseVenmo, ngubani ongathanda nokubeka izimvo kuwo. Ungabhalisela kwakhona iVenmo usebenzisa iziqinisekiso zakho ze-Facebook, ezikuvumela ukuba ufumane abahlobo abasebenzisa iplani yokuhlawula imoto. Sincoma ukuba sihlale siqaphela malunga nesabelo sakho kumajelo asekuhlaleni, ngakumbi xa kuziwa kwiimali kunye nokuthenga okukhulu. Ngokufana nendlela ukusasazwa kwezicwangciso zakho zeeholide kunokumema abagqeba, ngokunjalo unokuziqhayisa ngokuthengwa kweTV okanye entsha yebhayisiki.
Ubungozi bokusebenzisa iVenmo kwiintlawulo zeMatorola
I-Venmo isebenzisa ngokuzenzekelayo ukuqinisekiswa kwe-multifactor xa usebenzisa i-app kwisixhobo esitsha, esinceda ukukhusela ukungena ngemvume okungagunyazisiweyo kwi-akhawunti yakho. Ungongeza kwakhona ikhowudi yepini yokukhuseleko olongezelelweyo. Ngelixa uzama ukukhetha ukhetho olukhululekile kwaye uqhagamshelane neVenmo kwikhadi lakho lokubambisa okanye i-akhawunti yasebhanki, oko kuthetha ukuba uthe wahlaselwa, imali iphuma ngqo kwi-akhawunti yakho ngexesha langempela. Ukudibanisa ngekhadi lesikweletu akuthengi kuphela ixesha kodwa kunokunika ukhuselo kwiintlawulo zobuqhetseba. Inketho yamahhala ayisoloko iyona nto ibhetele.
Kukho, ke, ingozi echaphazelekayo ngokusebenzisa iVenmo kuquka:
- Ukukhwabanisa xa uhamba kunye nabantu abangaziwayo, kubandakanywa amabango amanga kunye nokuthengiselana
- Ukungabikho kwentlawulo kubantu abangabaziyo kwimveliso okanye amathikiti oye wathengisa waza wabathumela kubo
- Ukungabikho komthengi kunye nokukhuselwa kumthengisi kwiimeko zokukhwabanisa okanye ukungabikho kwentlawulo
- Ukuphulwa kokhuseleko kunye nokuthengiswa kwekhrekhthi kwi-akhawunti yakho
Kukho indlela elula yokuphepha iingozi ezintathu zokuqala, ngasentla: musa ukuthetha nabantu abangaziwayo. Asikwazi ukuxininisa ukuba kubaluleke kangakanani ukusebenzisa iVenmo kuphela nabantu obaziyo nokwethembayo. Ukufumana imali kubantu abangabazi kungafaka ingozi kwiindlela ezimbalwa. Kufuneka uqaphele ukuba abasebenzisi banokuphelisa intsebenzo kwiVenmo. Ukuguquka kunokwenzeka ngenxa yezizathu ezingenasisiseko; mhlawumbi umsebenzisi uthumele intlawulo kumsebenzisi ongafanelekanga okanye uthumele inani elingalunganga. Nangona kunjalo, i-scammer ingayifaka ibango lamanga neVenmo okanye isebenzise i-credit card ebiwe okanye i-debit card ukuze ibuyisele intlawulo. Xa ibhanki ifumana ukukhwabanisa, unganakho ukuhlawula imali.
Kubalulekile ukuqonda ukuba ngelixa ukufumana iintlawulo kwiVenmo kubonakala ngathi kuhamba ngokukhawuleza; kuthatha iintsuku ezimbalwa ukuqhuba. Ngokwenene, uVenmo ukuboleka okwesikhashana uze uhlawule ibhanki. Kufana nexa ubeka isheke, nokuba unako ukufikelela kwiimali ngokukhawuleza, akucaci iintsuku ezimbalwa. Ukuba isheke liqhubekile, ibhanki yakho iya kususa imali kwi-akhawunti yakho, nokuba iintsuku okanye iiveki kamva.
Enye indlela yokugxekwa kungayisebenzisa ngokunjalo ukulibaziseka kukunikela ukuhlawula into oyithengayo kwi-Craigslist, yithetha, usebenzisa i-Venmo. Emva koko, baya kukuthumela intlawulo, kwaye emva kokuba befumene iimpahla, baya kuwuyeka, baze bapheleke. Ngokungafani ne-PayPal, inkampani yomzali wayo, iVenmo ayinikezeli umthengi okanye ukukhusela umthengisi. Ngamafutshane, ungasebenzisi iVenmo kunye nabantu abangabazi; bamba iqonga elikhusela ukukhwabanisa okunje. Kwaye nokuba uyazi umntu ojongene naye, qiniseka ukuba ngumntu oza kukulungele ukuboleka imali okanye impahla.
Ukugcina i-akhawunti yakho iphephile kwiintengiso, yenza utshintshe iphasiwedi rhoqo kwaye ungasebenzisi iphasiwedi oyisebenzisela enye i-akhawunti. Yongeza ikhowudi yepowuni kwi-akhawunti yakho kwaye ukhangele ukuthengiselana kwakho ngokucophelela njengoko unokwenza ibhanki okanye isitatimenti sekhadi lesikweletu. Bika iziganeko zobuqhetseba kuVenmo kunye nebhanki yakho exhunyiwe okanye iakhawunti yekhadi yekhredithi ngokukhawuleza. Ukuphunyezwa kwazo zonke ezi zinto kuza kugcina i-akhawunti yakho-kunye nemali yakho ekhuselekileyo.