A izimiso ezimbalwa ezilula ukuze ilandelwe ikhasimende yasebhange ukuze usebenzise kuphela imikhiqizo ezidingekayo

Noma ukweqa embundwini ihhovisi yasebhange, ivese iba iklayenti. Ngitjho nanyana angakhuthaza bona ayisebenzisi noma yimaphi komkhiqizo, okungenani, ngeke ukubuza umbuzo. Nokuthi uzophendula njengoba aluleka, ngeke kakhulu zincike ubuhlobo bayo ikusasa ethangini. Kungenxa yalesi sizathu ukuthi cishe zonke izikhungo zezimali ziye zaqala ukubonakala abaphathi iklayenti, omsebenzi wakhe uhlose ukuqinisekisa ukuthi zonke ikhasimende ye ibhange ukuze uthole ulwazi esiphezulu kanye nosizo ekuxazululeni izinkinga zawo.

Njengomthetho, lokhu amantombazane cute smiling ngomusa ubheke ngamunye angenayo zonke uhlobo sibonise ukuthi sizimisele ukusiza. Ngakolunye uhlangothi, ukubona phambi umuntu ozama ukuqonda isimo, ngaso sonke isikhathi. Kodwa musa ngokuphelele uthemba amehlo ngobuqotho futhi ukumamatheka amnandi. Phela, ezikhungweni eziningi umsebenzi oyinhloko umphathi iklayenti ukuthi kusukela ngamunye angenayo wathola iklayenti okusamile komuntu ebhange.

Lokho umsebenzi lesisisebenzi hhayi ukunakekela, futhi ukudayiswa amasevisi, izinhlelo kanye nezinsiza ezengeziwe. It kuvela ukuthi noma iyiphi inkinga kungenzeka ixazululwe ngokushesha ngangokunokwenzeka futhi Akuzuzisi iklayenti, nokuthi kufanele uthenge amasevisi amaningi yasebhange ngangokunokwenzeka. Lowo wezela ukudluliswa, ngokuqinisekile zama "okunikezwayo" ikhadi plastic. Ngidinga loan? Khona-ke "umthwalo" umshwalense amaphuzu futhi umbhangqwana imikhiqizo. Ngisho kuvulwa ikhadi ejwayelekile yenkokhelo, umuntu kungenzeka kube yokuzithandela-compulsorily oVikelwe okungukuthi, ngemvume ekongeni idiphozi, credit card kanye okunye "okulungile."

Ngokungangabazeki, ngamunye wale mikhiqizo, asithathwa, kungase kudingeke esimweni esithile. Kodwa lokhu akusho ukuthi bonke poll kumele oVikelwe, inqobo ngekhadi lesikweletu futhi wonge imali eholidini. Ngeshwa, ezikhungweni eziningi manje ubuhlobo "Iklayenti - Bank" enjalo. "Privatbank", isibonelo kule ndaba kubhekwa umholi. Lapha kufanele sonke sibe nge-credit card, ibhange kanye yomshuwalense. Kungenjalo, kungekho ndlela khona.

Kuyangikhathaza ngesikhathi socingo lokuqala atshelwa ukuthi uma akazange ukuvula ikhadi, ungakwazi futhi ukwamukela ukudluliswa noma ukhokhe Izinsiza. Kodwa eqinisweni akusiyo. Kumane ukuthi wonke umsebenzi (kusuka umphathi iklayenti wasebhange futhi umphathi) kufanele ibuye lokufinyelela emiphakathini esiphezulu imikhiqizo yasebhange. Nokho, amakhasimende kumele uqonde ukuthi, okokuqala nje, akusiyo zomthetho, futhi okwesibili, akudingekile. Lokho ngokomthetho kungenzeka zishintshe imali ngaphandle ikhadi futhi idiphozi ngaphandle umshwalense, umuntu ongekho lo mbiko. Futhi zonke ngempela exhunywe kwi "Privat 24" uhlelo self-service (uyinto isiseduze uhlu efaneleke kakhulu, kudingeka ngempela, futhi okubaluleke - ngokuphelele free).

Kodwa "Okuyimfihlo" akuyona kuphela afanele ekusebenzeleni abantu ihlanganiswe kunoma ikhasimende yasebhange sasithola nomkhiqizo ngamunye. Sithathe baton nezinye izinhlangano zezimali yezwe. Ngokwesibonelo, "Ukrsotsbank", i-client-yasebhange futhi kulula kakhulu ukusebenzisa futhi izidingo, futhi waqala ukudayisa kumasevisi amaklayenti 'ukuphenduphenduka' ngendlela eyinkimbinkimbi ezingesiyo kude naye bungasekho, "UkrSib", kodwa lonke Awukude ngemuva.

It kuvela ukuthi nje ukuphuma futhi akhiphe enye inkonzo kwakudingeka ngempela kuphela, ngelula. Yingakho lonke ikhasimende ye ibhange (fixed noma entsha), ebiza kunoma yiliphi ihhovisi, kumelwe uqonde ukuthi akunakuba ukuphoqelela udaba umkhiqizo othize kungekho amantombazane cute. Futhi konke anakho ukuze asayine inkontilaka, futhi uvumela ukubulawa amasevisi ngokuzithandela.