Mashandisirwo Anoitwa Michina Yekutengesa Pasina Cashless Kuvandudza Ruzivo Rwevatengi

Sezvo kutenga zvinhu zuva nezuva kuchienderera mberi kumakadhi, mafoni, uye mawallet edhijitari, michina yekutengesa inotarisirwa kupa ruzivo rwekubhadhara nekukurumidza, kushoma sezvinoitwa nedzimwe nzira dzekutengesa. Masisitimu ekubhadhara asingabhadhariswi anoita zvinopfuura kungotsiva mari nemabhiri: anoderedza zvipingamupinyi zvekutenga, anopfupisa nguva yekutengeserana, uye anoita kuti kuzvishandira kunzwe kwakavimbika kune vatengi vasingawanzo kutakura mari. Chinyorwa chino chinotsanangura kuti kutengesa kusina mari kunovandudza sei nyore, kunowedzera kutengesa kwapera, uye kunotsigira rwendo rwakapfava rwemushandisi kubva pakusarudzwa kwechigadzirwa kusvika pakubhadhara, ukuwo zvichiratidzawo kuti nei kuchinjika kwekubhadhara kwave chinhu chinodiwa muzvitoro zvemazuva ano zve otomatiki.

Nei Kubhadhara Pasina Cash Kuchikosha Kune Ruzivo Rwevatengi

Indasitiri yekutengesa inongozvishandira iri kuchinja chimiro chayo nekuda kwekuda kwevatengi kwekutengeserana pasina kupokana.Kutengesa mari pasina cash kwachinjakubva pakuva munhu wepamusoro-soro kuenda pakuva chinhu chinodiwa pakushanda kwemazuva ano. Ruzivo rweindasitiri runoratidza kuti vanopfuura 70% yevatengi vava kuda kubhadhara nemakadhi kana nefoni pakutenga zvinhu zvidiki zvezuva nezuva, zvichichinja zvakanyanya tarisiro dziripo pakutengesa zvinhu otomatiki.

Sezvo zvitoro zvisina anovatarisa zvichiwedzera muzvikamu zvitsva zvezvigadzirwa, nzira yekubhadhara inoshanda senzvimbo yakakosha inotsanangura rwendo rwemushandisi. Kukundikana kugadzirisa iyi nzira kunogadzira zvipingamupinyi zvekupinda kwevatengi vakawanda vari kuwedzera kushandisa michina yedhijitari.

Kuchinja zvinodiwa pakubhadhara uye zvinotarisirwa nevatengi

Kuchinja kubva pakushandisa mari chaiyo kwakakurumidza mumakore gumi apfuura. Vatengi vari kuramba vachishanda nemafoni, mawachi, uye makadhi eEMV ane NFC kuti vafambise mabasa avo ezuva nezuva. Kana vakatarisana nemuchina wemari chete, vazhinji vevatengi vemazuva ano vanongobva panzvimbo pekutsvaga ATM kana kubhadhara mari yakawanda.

Kuchinja uku kunoreva kuti vatengesi vezvinhu vanofanira kubatanidza michina yavo nemawallet edhijitari ayo vatengi vavo vatove nawo. Tarisiro yekugutsikana kwedhijitari inoenderera mberi kune zvese zvinotengeswa, zvichiita kuti zvinhu zvekare zvesimbi nebhiri zvinzwe sezvisisina basa uye zvisingakodzeri mushandisi wekupedzisira.

Mhedzisiro pakureruka, kutendeuka, uye kugutsikana

Kubvisa kusawirirana kwekuchinja chaiko kunoenderana zvakananga nehuwandu hwekuchinja hwakakwira. Ongororo dzinoratidza kuti nzvimbo dzinotanga vaverengi vasingabhadhari mari dzinowana kuwedzera kwe25% muhuwandu hwekutengeserana kwese. Nekubatanidza kutengeserana kwese.sarudzo dzezvigadzirwa zvepamusoroVanoita mabasa aya vanotsigira nzira dzekubhadhara dzakawanda, uye vanopa mabasa avanoita kuti vatengi vagutsikane zvikuru.

Kukurumidzira kutaurirana nekukurumidza kunoshandura chiitiko chinogona kunetsa kuita sevhisi isina matambudziko. Kana vatengi vachiziva kuti vanogona kutenga chinhu pasina kunetseka nezvekutakura zvinhu zvakasiyana-siyana, zvinokurudzira kudzokorora bhizinesi uye zvinovaka kuvimbika kwenguva refu panzvimbo.

Mashandisirwo Anoitwa Michina Yekutengesa Pasina Cashless Kuvandudza Ruzivo Rwevatengi

Kubatana kwakananga pakati pemutengi nemuchina kunotungamira kubudirira kwekutengesa otomatiki. Kuvandudza masisitimu asingashandise mari zvakananga kunanga zvakananga nzvimbo dzinowanzo sangana nedambudziko panguva yekutenga, zvichiita kuti maitiro acho ave nyore kubva pakusarudza chigadzirwa kusvika pakuchipa kwekupedzisira.

Matambudziko evatengi aderedzwa nekubhadhara pasina mari

Vagadziri vemari nebhiri vekare vanozivikanwa nekuramba mari yakapwanyika zvishoma kana kutadza kupa shanduko chaiyo, zvichiita kuti vashandisi vasashandise mari zvakanaka. Uyezve, kuvharwa kwemari yemagetsi kunokonzera 40% yenguva yekusashanda kwemuchina, zvichisiya vatengi vachishungurudzika uye zvichiita kuti vashandi varasikirwe nemari.

Masisitimu asingashandise mari anobvisa kuzvidya mwoyo kwekurasikirwa nemari kune munhu anogamuchira mabhiri asina kushanda zvakanaka uye anobvisa mutoro wekutakura shanduko chaiyo. Nekupfuura vanosimbisa mari chaiyo, vanogadzira nzvimbo yekutenga yakavimbika uye inofanotaurwa apo kutengeserana kunobudirira pakutanga.

Mhedzisiro yekumhanya, sarudzo yekubhadhara, uye kubhadhara pasina kubata

Kumhanya kwekutengeserana chinhu chakakosha munzvimbo dzine vanhu vakawanda dzakadai senzvimbo dzekufambisa vanhu, mayunivhesiti, kana nzvimbo dzekushanda mumahofisi. Kunyange hazvo kutengeserana kwemari kwechinyakare kuchigona kutora masekondi gumi nemaviri kusvika gumi nemashanu apo vashandisi vachitsvaga mari, vanoisa mabhiri, uye vanomirira chenji, kubhadhara pasina kubata tap-to-pay kunowanzo pera mukati memasekondi matatu.

Kupasarudzo dzakawanda dzekubhadhara—kusanganisira Apple Pay, Google Pay, uye makadhi echikwereti akajairika—zvinoita kuti hapana mutengi anosara asina rubatsiro. Hutsanana hwekubhadhara pasina kubata vanhu hunokwezvawo vatengi vane hanya nehutano avo vanosarudza kudzivisa kubata mari inogovaniswa.

Mabhenefiti Ekushanda Uye Ekutengeserana Ekutengesa Kwekubhadhara Pasina Cash

Kunyange hazvo munhu anowana mukana wekutengesa mari pasina mari ari iye mushandisi wekupedzisira, mabhenefiti ekushanda uye ekutengeserana ebhizinesi akaenzana. Kugadzirisa zvivakwa zvekubhadhara kunochinja mashandiro emari ekushanda kwemigwagwa, zvichideredza mari yekufambisa ukuwo zvichiwedzera mari yepamusoro.

Kutengesa pasina mari kana kutengesa chete

Kuvimba nemari chete kunoda nzira dzinoda vanhu vakawanda dzekutora mari, kuverenga nemaoko, uye kuisa mari mubhangi. Iyi nzira yechinyakare ine njodzi, kusanganisira avhareji ye2% kusvika 4% yekuderera kwemari nekuda kwekuba, zvikanganiso zvemaakaundi, kana kusabatwa zvakanaka kwemari mukati.

Kuchinja kuita mari yedhijitari kunoendesa mari zvakananga kumaakaundi evatengesi, zvichideredza zvakanyanya njodzi dzekuchengetedzwa kwemuviri uye mari dzevashandi dzine chekuita nekutarisira mari. Vanoshandisa mari vanopedza nguva shoma vachiverenga zvikamu zvina uye nguva yakawanda vachiongorora purofiti yenzira.

Kubudirira kwekutengesa uye kushanda zvakanaka

Chimwe chinhu chikuru chinopa mukana wekuwedzera Avhareji yeKukosha Kwekutengeserana (ATV). Nekuti vatengi havaganhuriswi nemari chaiyo iri muhomwe dzavo, vanowanzo tenga zvinhu zvepamusoro kana zvigadzirwa zvakawanda panguva imwe chete, zvichiita kuti ATV ikwire ne20% kusvika ku30%.

Pamusoro pezvo, masisitimu ekubhadhara asingabhadharwi akabatana zvakanyanya nesoftware ye telemetry. Izvi zvinobvumira vashandi kuti vatarise huwandu hwezvinhu zviripo panguva chaiyo uye hutano hwemuchina vari kure. Nekushandisa data iri, vashandi vanogona kugadzirisa nzira dzekugadzirisa zvinhu, kuderedza kushanya kwemabasa asina kufanira kusvika ku15%, uye kuve nechokwadi chekuti zvinhu zvinotengeswa zvakanyanya hazvimbofi zvakapera mustock.

Zvekuongorora Paunenge Uchishandisa Cashless Payment Vending

Kuvandudza ngarava dziripo kana kuisa network itsva yemichina isingashandise mari kunoda kuronga kwakanyatsonaka kwehunyanzvi uye kwemari. Vafambisi vemichina vanofanira kushandisa hardware inoenderana, zvinodiwa pakubatanidza, uye mitemo yakasimba kuti vave nechokwadi chekuti vatengi vanowana ruzivo rwakakwana.

Zvidimbu zve Hardware, software, kubatana, uye zvinodiwa zvekuchengetedza

Mafoni emazuva ano asingabhadhari mari anoda kubatana kwakasimba kwemafoni kuti agadzirise kutengeserana nekukurumidza, kazhinji achishandisa 4G LTE kana 5G network. Michina yakaiswa mudzimba dzepasi kana muzvivakwa zvakachengetedzwa zvakanyanya inogona kuda maantenna ane simba guru kuti irambe iine simba rinodiwa remasaini.

Hardware iyi inofanira kushanda zvakanaka nebhodhi rekudzora remuchina, kazhinji ichishandisa protocol yeMulti-Drop Bus (MDB). Mabhodhi esoftware akasimba anodiwawo kuti atevere data rekutengesa, atarisire mari inodzoserwa, uye aongorore nguva yekubatanidza, zvichiita kuti system irambe ichishanda uye yakachengeteka kubva pakupindwa nedhijitari.

Mari dzekugadzirisa, kutevedzera PCI, uye mitemo

Kurerutsira kwedhijitari kunouya nemari yekugadzirisa vatengesi, iyo inowanzova pakati pe5% kusvika 6% pakutengeserana kwega kwega muchikamu chekubhadhara kudiki, kana kushanda nemutengo wakasanganiswa wemari yakagadzikana pamwe nechikamu. Vashandi vanofanirwa kuverenga mitengo iyi mumhando dzavo dzemitengo, dzimwe nguva vachishandisa nzira mbiri dzemitengo kuti vadzivise mari yacho.

Uyezve, nzvimbo dzese dzekubhadhara dzinofanira kutevedzera mitemo yePayment Card Industry Data Security Standard (PCI-DSS) kuchengetedza ruzivo rwevatengi. Kutevedzera mitemo hakuchinjiki uye kunoda kushandisa hardware yekusimbisa point-to-point encryption (P2PE) kudzivirira mushandi nemutengi kubva pamhosva.

Matanho anoshanda ekugadzira ruzivo rwevatengi rwuri nani

Nzira yekubudirira yekushandisa inotanga nekuongorora nzvimbo kuti ione kusimba kwechiratidzo chefoni isati yaiswa. Vashandisi vanofanira kuita izvi.kutangwa kwezvikamu, kuyedza michina midiki vasati vazvipira kuvandudza network yese.

Zviratidzo zvakajeka uye zvekudzidzisa zvinofanirwa kuwedzerwa kumuchina kudzidzisa vashandisi nezvenzira itsva dzekubhadhara, kunyanya kana mitengo miviri yashandiswa. Kuti vawane mazano akakodzera ekushandisa nzira dzekushandisa uye kusarudza michina, vashandisi vanogona kutsvaganhungamiro yenyanzvikuve nechokwadi chekuti shanduko iri kufamba zvakanaka iyo inoderedza nguva yekushanda uye inowedzera kushandiswa kwevashandisi.

Maitiro Ekusarudza Kana Kutengesa Kwemari Pasina Kubhadhara Kwakakodzera

Pasinei nezvakanakira zviri pachena, sarudzo yekudyara mari mukutengesa pasina mari inofanirwa kutungamirirwa neruzivo uye kunzwisisa kwakajeka kwemusika wakatarwaHaasi nzvimbo dzese dzinopa purofiti yakafanana pakudyara mari, zvichiita kuti kuisa zvinhu zvine chekuita nehurongwa kuve kwakakosha.

Nzvimbo dzakakodzera zvakanyanya, zvikamu zvevatengi, uye zvikamu zvezvigadzirwa

Nzvimbo dzine vanhu vakawanda dzakadai semakambani makuru, mayunivhesiti, uye nhandare dzendege ndidzo dzinonyanya kusarudzwa kuti dzishandise nzira dzekubhadhara mari nekuda kwekuvimba kwevanhu zvakanyanya nemadhijitari. Munzvimbo idzi, kumhanya kwekutengeserana kunokanganisa zvakananga huwandu hwese hwekutengesa panguva dzebasa.

Pamusoro pezvo, mashandiro asingabhadhariswi mari anodiwa pamichina inoburitsa zvinhu zvepamusoro. Kana mushandi akaronga kutengesa zvigadzirwa zvemagetsi, zvizoro zvepamusoro, kana zvekudya zvitsva zvine mutengo uri pamusoro pemutengo we $5.00, zvinhu zvinobvumira mari chete zvinova dambudziko guru.nezve mhinduro dzehunyanzvi dzekutengesazvinogona kubatsira vanoshanda kuti vaenzanise tekinoroji chaiyo uye musanganiswa wezvigadzirwa nevanhu vakakodzera.

Kuenzanisa kubudirira kweruzivo rwevatengi nemitengo

Vashandi vanofanira kuverenga break-even point yekudyara muhardware. Kugadzirisa muchina uripo uchishandisa cashless reader kunowanzoita pakati pemadhora mazana maviri nemakumi mashanu nemazana mana emadhora, pamwe nemari ye telemetry inoenderera mberi pamwedzi uye nharembozha inobhadhariswa kubva pamadhora masere kusvika gumi payuniti imwe neimwe.

Nekufungidzira kukwidziridzwa kwekutengesa kwe20% kusvika 25% zvichienderana nemari iyi yemari uye mashandiro, mabhizinesi anogona kuona kuti kuvandudzwa kwacho kuchabudirira here. Munzvimbo dzine vanhu vakawanda, nguva yekubhadhara inowanzoonekwa mukati memwedzi mitanhatu kusvika gumi nemiviri yekutanga.

Kuverenga kwakawedzerwa:

• kutengesa mari pasina mari
• kutengesa mari pasina mari
• kutengesa mari pasina mari

Zvinhu Zvinokosha Zvaunofanira Kuziva

• Mhedzisiro yakakosha uye chikonzero chekutengesa mari pasina mari
• Magadzirirwo, kutevedzera mitemo, uye kuongororwa kwenjodzi zvinofanirwa kuongororwa usati waita chibvumirano
• Matanho anotevera anoshanda uye mazano anogona kushandiswa nevaverengi ipapo ipapo

Mibvunzo Inowanzo bvunzwa

Sei michina yekutengesa zvinhu pasina mari ichivandudza ruzivo rwevatengi?

Vanobvisa kudiwa kwekuchinja chaiko, vanokurumidzisa kubhadhara, uye vanoderedza kubhadhara kwakundikana kubva kune vanobvuma mari kana mabhiri akavharika.

Ndeipi nzira dzekubhadhara dzinofanira kugashirwa nemuchina wemazuva ano wekutengesa zvinhu?

Gamuchira makadhi eEMV chip, makadhi ebhangi asingabatanidzwi, Apple Pay, Google Pay, nedzimwe nharembozha dzeNFC kuti dzibatsire vashandisi vakawanda.

Kubhadhara pasina mari kunokurumidza zvakadii kupfuura kubhadhara mari?

Kubhadhara pasina mari kunowanzopera mumasekonzi maviri kusvika matatu, nepo kutenga mari kuchiwanzotora masekondi gumi nemaviri kusvika gumi nemashanu.

Kutengesa zvinhu zvisina mari kunogona here kuwedzera kutengesa munzvimbo dzine vanhu vakawanda?

Ehe. Kutengeserana nekukurumidza uye sarudzo dzakawanda dzekubhadhara zvinogona kuderedza kufamba-famba uye zvinogona kuwedzera huwandu hwekutengeserana, kunyanya mumahofisi, muzvikoro, nenzvimbo dzekufambisa vanhu.

Ko YL Vending inopa michina inotsigira nzira dzekubhadhara pasina mari here?

Ehe. YL Vending inopa sarudzo dzemuchina wekutengesa dzinotsigira kubatanidzwa kwemakadhi nemawallet efoni; tarisa mapeji ezvigadzirwa zvavo kuti uwane rumwe ruzivo.