Usuku Lobaba luphakathi kwezinsuku ezibaluleke kakhulu zorhwebo lwaseBrazil. Njengoba izigidigidi zama-reai zithuthelwa ezitolo ezibonakalayo, ezentengiselwano ze-inthanethi, ezimakethe, kanye nasezinkundleni zokuxhumana, lesi sikhathi simelela ithuba hhayi nje kuphela kwezentengiselwano kodwa nakwezigebengu ezigxile ekukhwabaniseni kwedijithali, eziqinisa imisebenzi yazo zisebenzisa inani elikhulayo lokuthenga kanye nokuziphatha okungazelelwe kwabathengi.
Eminyakeni yamuva nje, ukukhwabanisa kwedijithali kuye kwashintsha buthule. Esikhundleni sokuthembela kuphela kumawebhusayithi mbumbulu noma imiyalezo ejwayelekile, izigebengu ziqale ukusebenza njengamabhizinisi aphelele, zisebenzisa okuzenzakalelayo, ubuhlakani bokwenziwa, kanye nedatha eningi ukudala ukuhlaselwa okwenziwe ngokwezifiso kakhulu. Umphumela uba yisimo lapho ukukhwabanisa kungaphinda ngokunembile ubunikazi obubonakalayo bemikhiqizo emikhulu, kwenze okunikezwayo kube ngokwephrofayili yesisulu, futhi kunciphise kakhulu izimpawu ezazibonisa ukukhwabanisa ngaphambilini.
"Umehluko emikhondweni yamanje awukho nje kuphela kwezobuchwepheshe, kodwa nasekuthuthukisweni kobugebengu bedijithali. Namuhla, abakhwabanisi bahlola izindlela ezahlukene, bahlaziya amazinga empumelelo, futhi basebenzise ubuhlakani bokwenziwa ukuze bandise ukuhlaselwa ngempumelelo engakaze ibonwe. Ngemizuzwana embalwa, isipho esibonakala sisemthethweni singabangela ukuyekethiswa kwedatha yezezimali. Inselele enkulu ukuhlonza izimpawu zengozi ngenkathi ukuthengiselana kusaqhubeka, ngaphambi kokuba ukulahlekelwa kubonakale," kusho uRafael Garcia, Umeluleki Wempumelelo Yabalingani e-FICO.
Ngokusho kochwepheshe, ingozi iyanda ngezinsuku ezibalulekile ngoba ukuziphatha kokuthenga kuyashintsha. Besaba ukuphuthelwa ukukhushulwa noma ukungasitholi isipho ngesikhathi, abathengi benza izinqumo ezisheshayo futhi bagcina bengazinaki izimpawu ezingase zibonise ukuzama ukukhwabanisa.
Ukuqinisekisa ukuthi lo mgubho awupheli ngokulahlekelwa yimali, i-FICO iqoqe izincomo eziyisishiyagalombili zokwenza ukuthenga kuphephe kakhudlwana.
Amathiphu angu-8 avela ku-FICO oSuku Lobaba olungenakho ukukhwabanisa
1. Qaphela izaphulelo ezingaphansi kakhulu kwenani lemakethe.
Amaphromoshini anamanani angaphansi kakhulu kwentengo yemakethe avame ukusetshenziswa njengesicupho sokuheha izisulu. Ngaphambi kokuqedela ukuthenga kwakho, cwaninga intengo yomkhiqizo ezitolo ezahlukene futhi usole okunikezwayo okuthembisa izinzuzo ezingaphezu kakhulu kwesilinganiso.
2. Hlola ukuthi isitolo sithembekile yini.
Ngaphambi kokunikeza ulwazi lomuntu siqu noma lokukhokha, cwaninga idumela lenkampani, hlola izibuyekezo ezivela kwabanye abathengi, bese uqinisekisa ukuthi ikheli lewebhusayithi liyiqiniso. Izinguquko ezincane kusizinda noma amaphutha esipelingi zingase zibonise ikhasi elihlanganisiwe.
3. Gwema ukuchofoza okunikezwayo ngezixhumanisi ezitholwe emilayezweni.
Abakhwabanisi basebenzisa i-WhatsApp, i-SMS, ama-imeyili, kanye nezinkundla zokuxhumana ukuze baqondise abathengi kumawebhusayithi mbumbulu. Noma nini lapho kungenzeka, thayipha ikheli lesitolo ngqo kusiphequluli sakho.
4. Khetha amakhadi abonakalayo.
Amakhadi abonakalayo anciphisa kakhulu umthelela wokwephulwa kwedatha okungenzeka, njengoba esebenzisa izinombolo zamakhadi zesikhashana noma ezihlukile ekuthengeni ku-inthanethi.
5. Nakisisa ukukhushulwa okunenkokhelo ekhethekile nge-Pix.
Izipesheli ezidinga ukukhokhelwa ngokushesha nge-Pix ukuqinisekisa isaphulelo zingase zifihle ukukhwabanisa. Ngaphambi kokudlulisa noma yiliphi inani, qinisekisa ukuthi umamukeli ungowenkampani.
6. Gwema ukuthenga kumanethiwekhi omphakathi e-Wi-Fi.
Amanethiwekhi avulekile angenza kube lula ukubamba ulwazi lwezezimali. Noma nini lapho kungenzeka, sebenzisa uxhumano lwakho lweselula noma ulinde uze ufike ekhaya ukuze uthenge kunethiwekhi yakho ye-Wi-Fi noma kunethiwekhi evikelekile oyethembayo.
7. Nika amandla ukuqinisekiswa kwezinyathelo ezimbili.
Ukwengeza ungqimba olwengeziwe lokuvikela kuzinhlelo zakho zokusebenza zasebhange kanye ne-imeyili kwenza kube nzima ngezigebengu ukufinyelela ama-akhawunti akho ngisho nangemva kokuthola amaphasiwedi akho.
8. Khetha izikhungo zezimali ezisebenzisa ubuhlakani bokwenziwa ukuvimbela ukukhwabanisa.
Izixazululo ezisekelwe ku-AI zingabona ukuziphatha okusolisayo ngesikhathi sangempela futhi zivimbele ukuthengiselana okungahambisani nephrofayela yekhasimende ngaphambi kokuba kwenzeke ukulahlekelwa.
Ubuchwepheshe njengomhlanganyeli ekuvimbeleni
Nakuba abathengi bekhetha izipho, amapulatifomu okuvimbela ukukhwabanisa acubungula izigidigidi zokuthengiselana ngasikhathi sinye, ehlaziya amakhulu eziguquguquko ngama-millisecond. Ngaphezu kokuqinisekisa inani lokuthenga, lezi zixazululo zihlola umongo ophelele wokuthengiselana, okuhlanganisa idivayisi esetshenzisiwe, ukuziphatha komlando kwekhasimende, indawo, idumela lesikhungo, kanye nezinye izinkomba ezahlukahlukene zengozi.
“Ikusasa lokuvimbela ukukhwabanisa alikho ekwengezeni izinyathelo ezengeziwe kumthengi, kodwa ekwenzeni ukuphepha kungabonakali. Uma ubuchwepheshe buhlakaniphe kakhulu, kulapho ikhasimende lizodinga ukuphazamisa ulwazi lwalo lokuthenga ukuze lizivikele. Ubuhlakani bokwenziwa busenza sikwazi ukubona izingozi ngesikhathi sangempela futhi sivimbele ukuthengiselana okusolisayo ngaphambi kokuba kwenzeke ukukhwabanisa,” kuchaza uGarcia.
Njengoba ukukhwabanisa kuba yinkimbinkimbi, inhlanganisela yabathengi abaqaphile kanye nobuchwepheshe obuthuthukisiwe bokuvimbela ihlala iyisu eliphumelela kakhulu lokuvikela abantu ngabanye kanye nezikhungo zezimali. Phela, ngoSuku Lobaba, inkumbulo yosuku kufanele ibe yisipho, hhayi umkhonyovu.
