Isoftware yolawulo lwemali-mboleko vs. isoftware yokuqalisa imali-mboleko: Yeyiphi efanelekileyo?

Ukuba uneshishini lokubolekisa imali, kusenokwenzeka ukuba ukhe weva ukuba ufuna iinkqubo ezimbini ezahlukeneyo. Enye yokuthatha izicelo nokuvuma iimali-mboleko. Enye yokuzilawula nje ukuba imali iphumile.

Nokuba oko kuyinyani kuwe kuxhomekeke kwindawo apho umsebenzi wakho ulahlekelwa khona kulawulo. Isoftware yokuqalisa imboleko ijongana nesigqibo: ukwamkelwa kwezicelo, ukukhangela imbali yetyala, ukuqinisekisa isazisi, ukuvunywa, nokukhutshwa kwemali.

Isoftware yokulawula imboleko ithatha indawo nje ukuba imali-mboleko ikhutshiwe kwaye iqhubeka iminyaka—iishedyuli zentlawulo, iintlawulo ezifakwe kwirekhodi, amatyala ashiyekileyo aleqwa, iibhalansi zilungiswa, iingxelo ziveliswa. Ukuqaliswa kwemboleko ngumsebenzi omfutshane olinganiswa ngeentsuku; ukulawulwa kwemboleko lululeko olude olumisela ukuba ingaba incwadi yakho yeemboleko iyasebenza na.

Kuninzi lwababolekisi abancinci nabaphakathi, ukusilela okubizayo kukho ekudluliselweni phakathi kwezi zinto zimbini, hayi ngaphakathi kwenye yazo. Olo dluliselo kulapho iirekhodi zababoleki ziphinda-phindwa khona, iishedyuli zentlawulo ziphinda zichwethezwe, kwaye imikhondo yophicotho iyathula.

Ukuba usasebenza nge-Excel, iifayile zephepha, kunye neqela le-WhatsApp, ukwahlula umsebenzi wakho kwiiplatifomu ezimbini ezahlukeneyo kudla ngokongeza ingxaki yesibini yokulungisa iirekhodi endaweni yokususa eyokuqala. Iiplatifomu zakudala ezenzelwe iibhanki ezinkulu zenza oku kube kubi ngakumbi ngokukuhlawulisa ubunzima obungasoze ubusebenzise.

Eli nqaku lichaza into eyenziwa yinkqubo nganye kanye nendlela yokugweba ukuba ingaba iplatifomu enye edityanisiweyo yokulawula iimali-mboleko ikunika ukusebenza ngempumelelo okufunekayo. Ukuba ukhetha ukuyibona kunokuba ufunde ngayo, ungaqalisa uvavanyo lweentsuku ezingama-30 lwasimahla ku- lendbox.io kwaye uthumele ispredishithi yakho ekhoyo ukuze ukuseta kulungiselelwe wena.

Umahluko phakathi kokwenza imboleko nokuyilawula

Eyona ndlela icacileyo yokucinga ngale nto ngumzuzu omnye nje: ukukhutshwa kwemali. Yonke into engaphambi kwawo kukuqaliswa kwemboleko, isigaba sokwenza isigqibo. Yonke into engemva kwawo kukulawulwa kwemboleko, indlela yokulawula iiakhawunti eqhubeka de imboleko ivalwe.

Okuqukwa kukuqaliswa kwemboleko phambi kokukhutshwa kwemali

Ukuqaliswa kwemboleko kuqala xa umntu efaka isicelo kwaye kuphela xa imali iphuma kwiakhawunti yakho. Phakathi apho kukho ukufakwa kwedatha, ukuqokelelwa kwamaxwebhu, ukuvavanywa kwetyala, ukusayinwa kwemvume, kunye nesivumelwano semboleko.

Inkqubo yokuqalisa imboleko, okanye i-LOS, yakhelwe kumbuzo onempendulo engu-ewe okanye hayi. Umsebenzi wayo kukukunceda ufikelele kwisigqibo esinokuthetheleleka ngokukhawuleza, kunye namaxwebhu afanelekileyo aqhotyoshelwe kwirekhodi efanelekileyo yomboleki.

Kumbolekisi oqhelekileyo onamasebe asuka kwelinye ukuya kwamahlanu, esi sigaba sithatha iintsuku. Ngamanye amaxesha iiyure.

Okuqukwa kukulawulwa kwemboleko emva kokukhutshwa kwemali

Nje ukuba imboleko ikhutshiwe, umsebenzi utshintsha ngokupheleleleyo. Ngoku ulandelela ishedyuli, ufaka iintlawulo, ubala inzala nezohlwayo, ubukele ibhalansi ihamba, kwaye uleqa ezo ziyekile ukuhamba.

Inkqubo yokulawula imboleko iba yinkqubo yakho yokugcina iirekhodi. Igcina idatha yomboleki, imbali yeentengiselwano, kunye nobume bamatyala ashiyekileyo kubo bonke ubomi bemboleko, obunokuba ziinyanga ezintandathu okanye iminyaka emithandathu.

Kutheni ukudluliselwa kwemboleko ekhutshiwe kubalulekile

Imboleko ekhutshiwe kufuneka isuke kwenye indawo iye kwenye, iphethe isixa esivunyiweyo, ixesha, izinga lenzala, ulwakhiwo lweefizi, kunye nomhla wokuhlawula wokuqala. Ukuba olo dluliselo luyaphazama, ishedyuli kwicala lakho lokulawula ayisahambelani nesivumelwano esisayinwe ngumboleki.

Ndikubonile oku kuphazamiseka ngeendlela ezincinci ezibiza imali yokwenene: ifizi erekhodwe kwangoko kwenye inkqubo kwaye isasazwe kwixesha lonke kwenye, kangangokuba yonke ibhalansi iphambuke kancinane ukususela kusuku lokuqala. Akukho mntu uqaphalayo de umboleki acele isitatimende.

Into eyakhelwe ukuyenza yinkqubo yokuqalisa imboleko

Isoftware yokuqalisa imboleko, okanye i-LOS, ikhona ukuze ihambise isicelo ukusuka kumbuzo ukuya kwimboleko ekhutshiweyo ngaphandle kokulahlekelwa ngamaxwebhu okanye ukwenza isigqibo esingahambelaniyo. Yakhelwe isantya, ukuhambelana phakathi kwamagosa, kunye nokushiya irekhodi lesizathu sokuba uthe ewe.

Ukwamkelwa kwezicelo kunye nezicelo zemboleko

Ukwamkelwa kwezicelo kulapho umsebenzi omninzi wezandla unyamalala okanye uphindaphindeka khona. Isicelo semboleko esifakwe kwi-intanethi, kunye neendawo zokugcwalisa namaxwebhu owafunayo aqhotyoshelweyo, sifika silungele ukuvavanywa.

Enye indlela iyaziwa: ifom egcwaliswe ngesandla, iphinde ichwethezwe ligosa, kunye namaxwebhu amabini kwayisithandathu afunekayo engekho. Iindawo zokugcwalisa zesicelo ezinokulungiswa zibaluleke kakhulu apha kunayo nayiphi na into ekrelekrele.

Ukuba imveliso yakho yokuxhasa ngemali i-asethi ifuna inombolo yobhaliso lwesithuthi kwaye imveliso yakho ye-advance yomvuzo ayiyifuni, ifom kufuneka ibonise oko. Ukuvavanywa komngcipheko kulapho ukugweba kombolekisi kuhlala khona. Isoftware iyakuxhasa; ayikuthathi indawo.

Ukuvavanywa komngcipheko, ukwenziwa kwezigqibo ngetyala, nokuvunywa

Iindlela zokusebenza zokuvavanya umngcipheko eziluncedo zenza izinto ezintathu:

• Beka imbali yomboleki, imithombo yengeniso, kunye nokuchanabeka okukhoyo kwiscreen esinye
• Thumela isicelo kumvunyisi ofanelekileyo ngokusekelwe kwisixa okanye imveliso
• Rekhoda ukuba ngubani ovume ntoni, kwaye nini

Ukwenziwa kwezigqibo okuzenzekelayo nee-injini zokwenza izigqibo zifumana ingqalelo eninzi. Kumbolekisi obhala iimali-mboleko ezingama-40 ngenyanga, iindlela zokusebenza zokuvunywa ezinamanyathelo amaninzi kunye nomkhondo wophicotho obonakalayo zizisa okungaphezulu kune-injini yokufaka amanqaku ongenako ukuyichazela umbolekwa.

Eminye imisebenzi emikhulu iqhagamshela kumaziko etyala okanye kwiifidi zebhanki ezivulekileyo ngeli nqanaba. Ukufumaneka neendleko zohluka kakhulu ngokwemarike, ngoko ke jonga oko ekuhlaleni kunokuba ucingele.

Ukutshekishwa Kwesazisi Kunye Namaxwebhu Phambi Kokukhutshwa Kwemali

Ukuqinisekiswa kwesazisi kunye nokutshekishwa kwe-KYC kwenzeka phambi kokukhutshwa kwemali, hayi emva koko. Kukwanjalo nangokujongwa ngokufanelekileyo kwamaxwebhu axhasa isicelo.

Le yenye yeendawo apho i-AI yenza umsebenzi wayo ngokwenene. Ukubhaqwa kobuqhophololo okuzenzekelayo kungathelekisa isazisi esilayishiweyo okanye ingxelo yebhanki ngokuchasene neepateni ezilindelekileyo kwaye kuphawule nantoni na ebonakala itshintshiwe, nto leyo ethembeke ngakumbi kunegosa elijonga nje ifoto kwisikrini sefowuni ngentsimbi yesihlanu.

Uphawu luphawu lokuba kujongwe ngumntu, hayi isigwebo. Emva koko kukho ukuveliswa kwamaxwebhu. Iitemplate zesivumelwano semali-mboleko kunye nokukwazi ukutyikitya nge-elektroniki kususa owona msebenzi udinisayo wobunobhala kwezemali-mboleko: ukuchwetheza kwakhona ikhontrakthi kwi-Word kumbolekwa ngamnye nokuthemba ukuba izinga lenzala lihlaziyiwe.

Into Eyenzelwe Ukuba Yenziwe Liqonga Lokuhlawula

Isoftware yokuhlawula imali-mboleko yinxalenye ophila kuyo yonke imihla. Izigcina iishedyuli, irekhoda imali, ilandelela ukuba ngubani osemva kwethuba, kwaye ikuxelela ukuba ipotfoliyo yakho ixabisa ntoni ngokwenene ngale ntsasa kunangesihlanu esidlulileyo.

Iishedyuli Zokuhlawula, Iibhalansi Kunye Nokulandelela Ukuhlawulwa

Ishedyuli yokuhlawula ezenzekelayo, eveliswa ngalo mzuzu imali-mboleko ikhutshwayo, sisiseko. Yonke intlawulo efakwayo emva koko iyayinciphisa ibhalansi ngokwemigaqo oyibekele kanye, hayi ngokwegosa elithile elirekhodayo.

Oku kusombulula ingxaki ethile neqhelekileyo. Amagosa amabini abeka intlawulo enye ngokwahlukeneyo—elinye libeka inzala kuqala lize elinye libeke inqununu kuqala—kuvelisa iinguqulelo ezimbini zemali-mboleko enye.

Ukusetyenzwa kweentlawulo kukwaquka neenxalenye ezingaqhelekanga: iintlawulo ezingaphelelanga, iintlawulo zokuvala kwangaphambi kwexesha, iintlawulo zesohlwayo kwizavenge ezisemva kwethuba, kunye nokubuyiselwa kwentlawulo efakwe kumbolekwa ongenguye. Umgqomo wokurisayikilisha weerekhodi ezicinyiweyo usindisa imva kwemini rhoqo kunokuba ubunokulindela.

Unxibelelwano Lombolekwa Kunye Nokuzinceda

Izikhumbuzo zentlawulo ezithunyelwa ngokuzenzekelayo phambi komhla wokuhlawula ziyayitshintsha indlela yokuqokelela ngaphezu kwayo nayiphi na ifowuni yokuleqa emva koko. Izaziso nge-SMS, i-imeyile, kunye ne-WhatsApp zokudalwa kwemali-mboleko, izavenge ezizayo, kunye neentlawulo eziqinisekisiweyo zenza umsebenzi omninzi.

Iportal yombolekwa yenza yonke into eseleyo kumava ombolekwa. Xa umbolekwa ekwazi ukungena kwi-akhawunti yakhe aze azithathele eyakhe ingxelo, irisithi, okanye ibhalansi, ifowuni yeofisi yakho iyayeka ukukhala ngenxa yolwazi osele unalo.

Amatyala Asemva, Ukuqokelelwa Kunye Nokubonakala Kwepotfoliyo

Ulawulo lokungahlawuli ngenene yingxaki yokubonakala. Iibhakethi zokuguga kwiintsuku ezingama-30, 60, kunye ne-90, amanani epotfoliyo esemngciphekweni (PAR), kunye nengxelo yoshishino yemihla ngemihla zikuxelela ukuba zeziphi iimali-mboleko eziya zikhukhula ngelixa lisekhona ixesha lokuthatha amanyathelo.

Ulawulo lokungahlawuli kunye nokuqokelelwa ke ngoko ziba ngumgca wokulinda kunokuba kube ngumsebenzi wokukhumbula. Sonke isenzo, inqaku, kunye notshintsho luhlala kumkhondo wophicotho, nto leyo ebalulekileyo kulawulo lwangaphakathi nakwincoko enzima malunga nokuba ngubani owavumayo olo hlenga-hlengiso.

Iqonga Elinye Okanye Iinkqubo Ezahlukeneyo?

Imarike yahlulwe phakathi kwamaqonga emali-mboleko adityanisiweyo kunye neenkqubo ezingcono zodidi oluthile ezidityanisiweyo. Akukho sikhetho sichanekileyo ngokuzenzekelayo; into ethatha isigqibo ihlala ingumthamo womsebenzi wokudibanisa onokukwazi ukuwuhlawulela.

Xa Iqonga Lemali-Mboleko Elidibeneyo Linciphisa Ukudluliselwa

Inkqubo yolawulo lwemali-mboleko enye, okanye i-LMS, equka ukuqala kunye nokuhlawula igcina irekhodi yombolekwa omnye ukusuka kwisicelo ukuya ekuvalweni. Imali-mboleko evunyiweyo iba yimali-mboleko exhaswa ngemali ibe yimali-mboleko ehlawulwayo, kungekho kuthunyelwa ngaphandle, kungekho kufakwa kwakhona, kwaye kungekho kulungelelaniswa phakathi kweedatabase ezimbini.

Kumbolekisi onamasebe asuka kwelinye ukuya kwamahlanu kunye nabasebenzi abafikelela kwishumi, oku kuhlala kusisigqibo esifanelekileyo. Akukho mntu kwiqela lakho omsebenzi wakhe ikukugcina udibaniso.

Amaqonga asekelwe kwilifu afana neLendbox athatha le ndlela: izicelo, ukuvunywa, ukukhutshwa kwemali, iintlawulo, ukuqokelelwa, unxibelelwano lombolekwa, ingxelo, kunye nokubalwa kwemali okuphindwe kabini kusebenza kumjelo omnye wokusebenza. Amangenisi e-journal azenzekelayo aphuma kumsebenzi wemali-mboleko kunokuba afakwe ngesandla ekupheleni kwenyanga.

Xa IiNkqubo eziBalaseleyo zinokuFaneleka

Iinkqubo ezahlukeneyo ziyavakala xa elinye icala lomsebenzi wakho lineemfuno zobungcali ngokwenene. Iibhanki zoluntu, iicredit unions, kunye neefintech ezinkulu eziqhuba ukuboleka kwedijithali okunomthamo ophezulu ngamanye amaxesha zifuna isiseko sokwamkela izicelo esinezinqumo ezinzulu ngetyala kunye noqhagamshelo lwee-bureau ekungekho qonga jikelele linokulingana nalo.

Kukwanjalo ukuba unezibophelelo ezinzima zokunika ingxelo yokuthobela imithetho ezinxulumene nomlawuli othile okanye ifomathi yomxhasi-mali. Khawunyaniseke nje nge iindleko: iinkqubo ezimbini zithetha iiseti ezimbini zeemvume zabasebenzisi, iindlela ezimbini zokuhlola, kunye nokudityaniswa ekufuneka umntu akuhlole qho xa omnye umthengisi ehlaziya.

Imibuzo Ekufuneka Uyibuze Phambi Kokutshintsha Izixhobo Ezikhoyo

Phambi kokuba uthenge nantoni na, qwalasela oku kulandelayo:

• Yeyiphi indawo apho inkqubo yangoku yonakala khona ngokwenene? Ukulungisa inqanaba elingelilo kuyabiza.
• Zingaphi iimali-mboleko ozikhuphayo ngenyanga? Umthamo ophantsi awufane uthethelele i-LOS ezimeleyo.
• Ngubani oza kuba noxanduva lokudityaniswa kweenkqubo? Ukuba impendulo yile yokuba akukho mntu, khetha iqonga elinye.
• Ngaba iimali-mboleko zakudala zingangeniswa, endaweni yokuba ziphinde zichwethezwe? Ukungeniswa kwe-Excel okanye i-CSV kugqiba umhla wakho wokuqalisa.
• Ngaba irekhodi lomboleki lihlala lilinye? Iirekhodi eziphindiweyo zingumsuka weempazamo ezininzi.

Ungayihambelanisa Njani Inkqubo Nomsebenzi Wakho Wokuboleka

Isikhewu sakho sikwisigqibo okanye ekulandeleleni. Ukuxilonga ukuba sesiphi ngokunyanisekileyo kubaluleke ngaphezu kwalo naluphi na uthelekiso lweempawu, kuba iimpawu zivakala zifana kwisihlalo somnini nangona izilungiso zahlukile.

Iimpawu Zokuba Ufuna Iindlela Zokusebenza Ezingcono Zokwamkela Izicelo

Khangela ezi patheni:

• Izicelo zemboleko zihlala iintsuku kuba kungekho mntu waziyo ukuba zikwidesika kabani
• Amagosa avuma ngendlela engahambelaniyo, kwaye awukwazi ukuchaza kwakhona ukuba kutheni imali-mboleko inikwe
• Amaxwebhu afunekayo ayalahleka phakathi kwesebe ne-ofisi eyintloko
• Yonke isivumelwano semboleko siphinde sichwethezwe, kuze kulandele iimpazamo
• Ukulawulwa kwamaxwebhu yifolda ekwilaptop

Ukuba uninzi lweengxaki zakho luphambi kokukhutshwa kwemali, ukwamkela ngcono, ukuhanjiswa kwemvume, kunye nokuveliswa kwamaxwebhu kuya kwenza umahluko.

Iimpawu Zokuba Ukunakekelwa Kweemali-mboleko Sisikhewu Esingxamisekileyo

Olu luxilongo oluqhelekileyo phakathi kwababolekisi abakhulayo. Uqaphela iimali ezingekahlawulwa emva kweeveki. Ukulandelela intlawulo kuxhomekeke kwiispredishithi yomntu omnye. Ukuqokelela amatyala kuqhutywa ngenkumbulo kunye nencwadana yamanqaku.

Ezinye iimpawu: awukwazi ukuchaza ibhalansi eseleyo yanamhlanje ngaphandle komsebenzi weyure, ingxelo yepotfoliyo ithetha ukwakha kwakhona itafile yepivot, ukuvalwa kokuphela kwenyanga kuthatha iintsuku kuba incwadi yemali-mboleko kunye nee-akhawunti azizange zidityaniswe, kwaye akukho mkhondo wokuhlola xa abantu ababini bengavumelani ngentlawulo.

Izinto Ezingenako Ukuthethathethwana Ngazo Kwincwadi Yemali-mboleko Ekhulayo

Nokuba ukhetha ntoni na, nyamezela kwezi:

• Irekhodi yomboleki enye
• Ukuveliswa kweshedyuli okuzenzekelayo kunye nokubalwa kwenzala
• Ufikelelo olusekelwe kwindima kunye nokubonakala kwinqanaba lesebe
• Umkhondo wokuhlola opheleleyo
• Ugcino oluzenzekelayo ngaphandle kweendawo zakho

Yongeza enye into: ubalo-mali oludibanayo. Ukuba imisebenzi yemali-mboleko ayivelisi iingenelelo zejenali, uthenge impumelelo yokusebenza kwi-ofisi engaphambili kodwa ugcine ingxaki yokulungelelanisa ngasemva.

Ukuzisa Ukuqaliswa Nokulawulwa Kwirekhodi Enye Yemali-mboleko

Eyona njongo ibambekayo kukuba kubekho irekhodi enye yemali-mboleko engaqhawukiyo ukusuka kwisicelo ukuya ekuvalweni. Yonke imvume, ukukhutshwa kwemali, imbuyekezo, nohlengahlengiso luhlala kwirekhodi enye yomboleki, ngokulandelelana, negama eliqhotyoshelweyo.

Ukugcina Iimvume, Ukukhutshwa Kwemali Neembuyekezo Zinxibelelene

Xa imvume nokukhutshwa kwemali kusenzeka kwakwiqonga elinye elivelisa iishedyuli zokuhlawula, ishedyuli ayinakuphikisana nesivumelwano. Imiqathango ihamba ngokuzenzekelayo.

Oku kuyilungisa nakwicala lobalo-mali. Ukukhutshwa kwemali kungena kwii-akhawunti ezichanekileyo, imbuyekezo yahlula ngokuchanekileyo phakathi kwenzala nenqununu, kwaye ileja ibonisa incwadi yemali-mboleko ngaphandle kokuba umntu aphinde achwetheze iitotali ekupheleni kwenyanga.

Ukusebenzisa Ukuzenzekelayo Ngaphandle Kokuphulukana Nokongamela Kwabantu

Ukuzenzekelayo kugqama nyani xa kufikwa kwimisebenzi ephindaphindwayo neyenziwa ngexesha. Cinga ngokuvelisa iishedyuli, ukubala izohlwayo, ukuthumela izikhumbuzi, okanye ukungenisa iingenelelo zejenali.

Kodwa masinyaniseke: akulunganga ekugwebeni.

Thatha ukwenziwa kwezigqibo okuzenzekelayo kunye nokubhaqwa kobuqhophololo njengezihluzi—hayi njengezigqibo zokugqibela. I-AI inqaku lomngcipheko wetyala lichaza nje apho ungafuna ukugrumba nzulu khona.

Ayazi ukuba umboleki, osivuno sakhe sombona singaphumelelanga kwisizini edluleyo, ufanelwe lithuba elinye na. Gcina imigangatho yokuvunywa imiselwe ukuze kusayine umntu wokwenene, hayi umatshini.

Kwaye nceda, gcina loo mikhondo yophicotho ivuliwe. Ufuna ukwazi ukuba ngubani ogqithise ntoni, kwaye nini.

Yintoni Omawuyijonge Ngexesha Lokufuduswa Kwedatha Nokumisela

Ukufuduswa kwedatha kuyaphazamisa uninzi lokuphunyezwa. Phantse kusoloko kungenxa yezi zinto zintathu zifanayo.

• Iibhalansi kufuneka zilungelelane ngosuku lokuqala. Ngenisa inqununu eseleyo, inzala eqokelelweyo, kunye nehlawulweyo ukuza kuthi ga ngoku njengezinto ezahlukeneyo. Emva koko, jonga isampulu engacwangciswanga yeemali-mboleko ezilishumi ngesandla ngokuthelekisa nefayile yakho ye-Excel—musa ukuthemba amanani nje.
• Iishedyuli kufuneka zihambelane nezivumelwano ezisayiniweyo. Jonga kabini ukuba iifizi zilawulwa njani—kwangoko okanye zisasazwe—ngaphambi kokungenisa nantoni na.
• Imbali kufuneka idluliselwe. Ukuba uyayitsiba imbali yembuyekezo, loo mboleki uba ngomtsha, kwaye uphulukana nomkhondo wakhe wetyala.

Sebenzisa iinkqubo ezindala nezintsha ngaxeshanye umjikelo omnye wembuyekezo. Kuyadinisa, kodwa ngenene, kungakongela iinyanga zeentloko ezibuhlungu kamva.

Ukuba umboneleli wakho uncedisa ukulungiselela ispredishithi sakho, njengoko uLendbox esenza, yamkela loo nto—yenza ukumaphu kungabi buhlungu kakhulu. Sekunjalo, soloko ujonga isampulu ngokwakho. Themba kodwa qinisekisa, akunjalo?