Uyaziswa ukuthi udinga ukuhlinzeka ngenkokhelo efana nediphozithi, intela, noma inani lensiza yokuthengiselana noma insiza ezohlinzekwa. Ukuqola kungase kuhlanganise ukuthola umklomelo, ifa noma ukulethelwa isipho, okungenzeka ungazi lutho ngakho. Kwesinye isimo ungase futhi ucelwe ukuba ukhokhe izimali zomshwalense noma izimali zokwengamela zesicelo semalimboleko, okuyinto evamile ekuqoleni okuphathelene nemalimboleko. Izinkampani ezibhaliswe ku-National Credit Regulator kuphela ezingahlinzeka ngemalimboleko. Hlola njalo imininingwane yabo kuwebhusayithi ye-NCR futhi uxhumane nesikhungo ngokuqondile usebenzisa inombolo ekuwebhusayithi ye-NCR ukuqinisekisa inqubo yokufaka isicelo nanoma yiziphi izaphulelo ezitholakele zemalimboleko.

Iqola lixhumana nawe lizenza sengathi lisebenzela ibhange lakho, noma enye inhlangano. Ukhohliswa ukuba ukholwe ukuthi kufanele ubukeze imininingwane yakho yokuxhumana, amagama omsebenzisi, namagama-mfihlo.

Ukhuthazwa ukuba uthathe ithuba lotshalomali-mbumbulu yiqola elisebenzisa ulimi lwezezimali nezinombolo ukuze uhlabeke umxhwele. Uma usuyenzile inkokhelo 'yotshalomali', iqola lifuna izinkokhelo ezengeziwe ukuze inqubo ihambe kahle noma linyamalale ngokuphelele.

Isixhumanisi sithunyelwa nge-imeyli noma sithunyelwa kuwe nge-SMS. Uchofoza ngokungasoli kusixhumanisi esibese silayisha uhlelo olungayilungele ikhompyutha kudivayisi yakho. Amaqola manje asengakwazi ukulayisha ama-keyloggers namagciwane kudivayisi yakho, okubavumele ukuthi balawule idivayisi yakho, bayivale noma bahube (noma 'badobe') idatha yakho.

Ukusetshenziswa kabi kwe-akhawunti yasebhange ngumnikazi we-akhawunti, ukuze athumele noma ashushumbise izimali ezingekho emthethweni egameni lomunye umuntu.

Iqola lakha isitolo-mbumbulu se-inthanethi, noma lilingise isitolo se-inthanethi esidumile ovame ukuthenga kuso, likhangisa izimpahla ezidumile namasevisi. Iqola lingase futhi likhangise izipesheli ngeziphequluli ze-inthanethi ezifana ne-Google noma i-Edge, noma izinkundla zokuxhumana (i-Facebook, Instagram, WhatsApp) ukuze likukhohlise ngokuthi uvakashele isitolo-mbumbulu se-inthanethi. Uma usuthengile, ikhadi lakho lesikweletu nemininingwane yomuntu siqu kuyebiwa. Ukuthenga kwakho kungase kwenzeke ngempumelelo, ngakho kubonakala kuwukuthenga kwangempela. Kodwa-ke, izimpahla zigcina zingafikanga, imali yakho ayibuyiselwa futhi ezimweni eziningi inkampani ayikwazi ukuthintwa.

Iqola, elizenza wena, lishayela umhlinzeki ngensizakalo kamakhalekhukhwini wakho licele iSIM khadi entsha noma ukudlulisa inombolo yakho - okubizwa nangokuthi “uku-portha” - kumhlinzeki ngensizakalo omusha. Iqola libe selikwazi ukufinyelela noma iyiphi i-OTP (iphasiwedi yesikhathi esisodwa) noma izicelo zokuqinisekisa izinto ezihamba ka-2 ezithunyelwa enombolweni yakho. Lokhu kuzovumela iqola ukuthi lishintshe amaphasiwedi akho futhi lilawule ama-akhawunti akho namaphrofayela enkundla yezokuxhumana.

Unikezwa izimpahla ezingelona iqiniso kanye/noma amasevisi ngamanani akhangayo noma izaphulelo ezinkulu. Uma usuqedile ukukukhokhela, izimpahla/amasevisi awalethwa, noma umkhiqizo okhangiswayo akuwona umkhiqizo olethiwe. Imininingwane yakho yomuntu siqu neyenkokhelo nayo iwubugebengu bokweba imininingwane ebucayi uma umsebenzi uqedwe ku-inthanethi.

Ugqugquzelwa ukuthi wenze inkokhelo yangaleso sikhathi (ngokushesha) eqoleni elizenza isisebenzi senkampani, noma linikeze utshalomali olungamanga noma izinsiza zebhizinisi, ngokuvamile lisebenzisa iziteshi zenkundla yezokuxhumana. Uma inkokhelo seyenziwe, izimali zakho zikhishwa ngokushesha - uqoliwe.

Uthintwa iqola elizenza umhlinzeki wesevisi owaziwa nguwe, ecela “ukufinyelela ukude” kudivayisi yakho ukuze enze ahlole ukuphepha noma umsebenzi othile. Uma ususamukele isicelo sokumema / sokufinyelela, iqola lithatha ukulawula idivayisi yakho, ngokufinyelela okuphelele kuwo wonke ama-akhawunti axhunywe kudivayisi yakho.

Iqola lisebenzisa inkundla yezokuxhumana noma izinhlelo zokusebenza zokuthola omaqondana ukuze lithole ukwethenjwa futhi lingase lingene empilweni yakho ngokuseduze, bese lisebenzisa lokhu kuthembana ukuze liqole izimali ngokukuhlukumeza ngokomzwelo kanye/noma ngokukukhohlisa.

Iqola lixhumana nawe ngocingo, lizenze ovela kuhulumeni, inkampani yezezimali noma esinye isikhungo esithenjwayo, futhi likucele ukuthi ulinikeze noma uqinisekise ulwazi lomuntu siqu. Lolu lwazi bese lusetshenziselwa ukukuqola.

Iqola lisebenzisa futhi lixhaphaze abantu ngokuphathelene namasiko nezinkolelo zendawo zase-Afrika ukuze likuqole izimali zakho. Uhlonzwa ngaphambi kwesikhathi futhi uyengwa ukuthi ukholelwe ukuthi kukhona ilungu lomndeni wakho elishonile, ebelikhathazekile ngenhlalakahle yakho, lithintane nesangoma esithile esidumile (umelaphi wendabuko) nokuthi kudingeka nixoxe ngenkinga ngokuphuthumayo. Ube usucelwa ukuba uhlangane nesangoma, lapho amaqola esebenzisa ama-hallucinogen, bese bekulutha ukuthi uphothule imisebenzi ethile noma ukuthengiselana kwezezimali okukuqola imali yakho.

Uyaziswa ukuthi udinga ukuhlinzeka ngenkokhelo efana nediphozithi, intela, noma inani lensiza yokuthengiselana noma insiza ezohlinzekwa. Ukuqola kungase kuhlanganise ukuthola umklomelo, ifa noma ukulethelwa isipho, okungenzeka ungazi lutho ngakho. Kwesinye isimo ungase futhi ucelwe ukuba ukhokhe izimali zomshwalense noma izimali zokwengamela zesicelo semalimboleko, okuyinto evamile ekuqoleni okuphathelene nemalimboleko. Izinkampani ezibhaliswe ku-National Credit Regulator kuphela ezingahlinzeka ngemalimboleko. Hlola njalo imininingwane yabo kuwebhusayithi ye-NCR futhi uxhumane nesikhungo ngokuqondile usebenzisa inombolo ekuwebhusayithi ye-NCR ukuqinisekisa inqubo yokufaka isicelo nanoma yiziphi izaphulelo ezitholakele zemalimboleko.

Iqola lixhumana nawe lizenza sengathi lisebenzela ibhange lakho, noma enye inhlangano. Ukhohliswa ukuba ukholwe ukuthi kufanele ubukeze imininingwane yakho yokuxhumana, amagama omsebenzisi, namagama-mfihlo.

Ukhuthazwa ukuba uthathe ithuba lotshalomali-mbumbulu yiqola elisebenzisa ulimi lwezezimali nezinombolo ukuze uhlabeke umxhwele. Uma usuyenzile inkokhelo 'yotshalomali', iqola lifuna izinkokhelo ezengeziwe ukuze inqubo ihambe kahle noma linyamalale ngokuphelele.

Isixhumanisi sithunyelwa nge-imeyli noma sithunyelwa kuwe nge-SMS. Uchofoza ngokungasoli kusixhumanisi esibese silayisha uhlelo olungayilungele ikhompyutha kudivayisi yakho. Amaqola manje asengakwazi ukulayisha ama-keyloggers namagciwane kudivayisi yakho, okubavumele ukuthi balawule idivayisi yakho, bayivale noma bahube (noma 'badobe') idatha yakho.

Ukusetshenziswa kabi kwe-akhawunti yasebhange ngumnikazi we-akhawunti, ukuze athumele noma ashushumbise izimali ezingekho emthethweni egameni lomunye umuntu.

Iqola lakha isitolo-mbumbulu se-inthanethi, noma lilingise isitolo se-inthanethi esidumile ovame ukuthenga kuso, likhangisa izimpahla ezidumile namasevisi. Iqola lingase futhi likhangise izipesheli ngeziphequluli ze-inthanethi ezifana ne-Google noma i-Edge, noma izinkundla zokuxhumana (i-Facebook, Instagram, WhatsApp) ukuze likukhohlise ngokuthi uvakashele isitolo-mbumbulu se-inthanethi. Uma usuthengile, ikhadi lakho lesikweletu nemininingwane yomuntu siqu kuyebiwa. Ukuthenga kwakho kungase kwenzeke ngempumelelo, ngakho kubonakala kuwukuthenga kwangempela. Kodwa-ke, izimpahla zigcina zingafikanga, imali yakho ayibuyiselwa futhi ezimweni eziningi inkampani ayikwazi ukuthintwa.

Iqola, elizenza wena, lishayela umhlinzeki ngensizakalo kamakhalekhukhwini wakho licele iSIM khadi entsha noma ukudlulisa inombolo yakho - okubizwa nangokuthi “uku-portha” - kumhlinzeki ngensizakalo omusha. Iqola libe selikwazi ukufinyelela noma iyiphi i-OTP (iphasiwedi yesikhathi esisodwa) noma izicelo zokuqinisekisa izinto ezihamba ka-2 ezithunyelwa enombolweni yakho. Lokhu kuzovumela iqola ukuthi lishintshe amaphasiwedi akho futhi lilawule ama-akhawunti akho namaphrofayela enkundla yezokuxhumana.

Unikezwa izimpahla ezingelona iqiniso kanye/noma amasevisi ngamanani akhangayo noma izaphulelo ezinkulu. Uma usuqedile ukukukhokhela, izimpahla/amasevisi awalethwa, noma umkhiqizo okhangiswayo akuwona umkhiqizo olethiwe. Imininingwane yakho yomuntu siqu neyenkokhelo nayo iwubugebengu bokweba imininingwane ebucayi uma umsebenzi uqedwe ku-inthanethi.

Ugqugquzelwa ukuthi wenze inkokhelo yangaleso sikhathi (ngokushesha) eqoleni elizenza isisebenzi senkampani, noma linikeze utshalomali olungamanga noma izinsiza zebhizinisi, ngokuvamile lisebenzisa iziteshi zenkundla yezokuxhumana. Uma inkokhelo seyenziwe, izimali zakho zikhishwa ngokushesha - uqoliwe.

Uthintwa iqola elizenza umhlinzeki wesevisi owaziwa nguwe, ecela “ukufinyelela ukude” kudivayisi yakho ukuze enze ahlole ukuphepha noma umsebenzi othile. Uma ususamukele isicelo sokumema / sokufinyelela, iqola lithatha ukulawula idivayisi yakho, ngokufinyelela okuphelele kuwo wonke ama-akhawunti axhunywe kudivayisi yakho.

Iqola lisebenzisa inkundla yezokuxhumana noma izinhlelo zokusebenza zokuthola omaqondana ukuze lithole ukwethenjwa futhi lingase lingene empilweni yakho ngokuseduze, bese lisebenzisa lokhu kuthembana ukuze liqole izimali ngokukuhlukumeza ngokomzwelo kanye/noma ngokukukhohlisa.

Iqola lixhumana nawe ngocingo, lizenze ovela kuhulumeni, inkampani yezezimali noma esinye isikhungo esithenjwayo, futhi likucele ukuthi ulinikeze noma uqinisekise ulwazi lomuntu siqu. Lolu lwazi bese lusetshenziselwa ukukuqola.

Iqola lisebenzisa futhi lixhaphaze abantu ngokuphathelene namasiko nezinkolelo zendawo zase-Afrika ukuze likuqole izimali zakho. Uhlonzwa ngaphambi kwesikhathi futhi uyengwa ukuthi ukholelwe ukuthi kukhona ilungu lomndeni wakho elishonile, ebelikhathazekile ngenhlalakahle yakho, lithintane nesangoma esithile esidumile (umelaphi wendabuko) nokuthi kudingeka nixoxe ngenkinga ngokuphuthumayo. Ube usucelwa ukuba uhlangane nesangoma, lapho amaqola esebenzisa ama-hallucinogen, bese bekulutha ukuthi uphothule imisebenzi ethile noma ukuthengiselana kwezezimali okukuqola imali yakho.

Amaqola azenza osomabhizinisi abasezingeni eliphakeme emkhakheni wezimayini, abatshale imali ezinsimbini eziyigugu, amagugu nezinye izinto eziyigugu, bahlela ukuhlangana ‘ngokuzenzekelayo’ ngemva kokukuhlonza ngaphambi kwesikhathi. Iqola likuheha ngokuphathelene nokuthenga itshe eliyigugu noma itshe eliqukethe izinsimbi eziyigugu. Amatshe ayapholishwa ukuze afane nezinto ezingamagugu ezingalungiswa bese abahloli abasebenza namaqola bekhipha izitifiketi zomgunyathi ukuze baqinisekise umkhiqizo.