I-CaixaBank ithathe igxathu eliphawulekayo esu layo lokwenza izinto zibe zedijithali futhi iqinise isikhundla sayo njenge- elinye lamabhange athuthuke kakhulu eziteshini eziku-inthanethi eSpain. Kuwo wonke u-2025, le nhlangano ifinyelele ukukhula okungu-30% ekubhalisweni kwamakhasimende edijithali, okuthuthukisiwe okuhambisana nokwanda okukhulu kwezinkontileka zomkhiqizo nge-inthanethi kanye neselula.
Lokhu kusunduza kwedijithali akugcini nje ngokuhumusha ukuthengiselana okwengeziwe okwenziwe ngesiteshi esiku-inthanethi, kodwa futhi kwenze kube namandla amakhulu okwenza ukuheha nokugcina amakhasimendeLe nkampani ivale unyaka ngamakhasimende amasha angu-390.000, ithembele esipeshelini esenziwe ngokwezifiso, uhlelo lokusebenza oluvuselelwe kanye nempumelelo ye-imagin, i-neobank yayo ehlose intsha.
Ukukhula okunamandla kokubhaliswa okusha kwedijithali kanye nokuthengisa
Ngonyaka odlule, iCaixaBank ibhalise ukwanda kwe- Ukubhaliswa kwedijithali okungu-30%Okusho ukuthi, ngenani lamakhasimende avula futhi asebenzise iziteshi zebhange eziku-inthanethi okokuqala. Lokhu kukhuphuka kupheleliswa ukwanda okungu-23,1% ekuthengisweni kwedijithali kwemikhiqizo efana namakhadi, imali mboleko yabathengi, izixazululo zokonga, ukutshalwa kwezimali, kanye nomshuwalense.
Ibhange likholelwa ukuthi ukusheshiswa kwedijithali sekuphenduke isisekelo esiyinhloko sokukhulaNgakolunye uhlangothi, ikuvumela ukuthi udonse amabhizinisi amaningi ngeziteshi ezikude; ngakolunye uhlangothi, kuthuthukisa ubudlelwano obuseduze nobuphindaphindayo namakhasimende, abanokufinyelela esipeshelini esivumelana nezidingo zabo zezezimali zansuku zonke.
Le ndlela isize iCaixaBank ukuthi ithole amakhasimende angu-390.000 ngo-2025, okuyisibalo esibalulekile emakethe yamabhange encintisanayo njengeyaseSpain, lapho ukugcina nokubandakanya amakhasimende kubaluleke njengokuthola amasha.
Le nhlangano igcizelela ukuthi ukusetshenziswa kakhulu kweziteshi zedijithali kwenza kube lula ukuphathwa okuzimele nokushelelayo Ngokombono womsebenzisi, bangathenga imikhiqizo, baxazulule izinkinga, futhi baphathe izimali zabo ngaphandle kokuya ehhovisi, okuhambisana nemikhuba yedijithali yabantu eyandayo.
imagin, i-neobank ethuthukisa isisekelo sayo samakhasimende asebasha
Ingxenye ebalulekile yale ntuthuko ivela imagin, ipulatifomu yasebhange yedijithali yeqembu. Yazalwa njengebhange le-neo eligxile kubasebenzisi abasebasha, ihlanganisa izinsizakalo zezezimali neminikelo yendlela yokuphila, okuqukethwe kanye nezici ezenzelwe izilaleli ezixhumene kakhulu.
umcabango usuvele ufinyelele 4 izigidi zabasebenzisi Iqinise isikhundla sayo ngesilinganiso sokungena esingu-41% phakathi kwamakhasimende ezezimali aneminyaka engu-16 kuya kwengu-34 eSpain. Lesi sibalo sibonisa ukuthi cishe ingxenye yentsha enama-akhawunti asebhange kulolo hlobo lweminyaka isebenzisa izinsizakalo zale nkundla, okwenza kube yimpahla ebalulekile eqenjini le-CaixaBank.
Umnikelo we-Imagin awugcini nje ekwengezeni abasebenzisi abasha; futhi kusiza ukuqinisa ukwethembeka kwamakhasimende akhona. Ukuze kufezwe lokhu, i-neobank ibilokhu yandisa ikhathalogi yayo yemikhiqizo nge imikhiqizo yezezimali ehlukahlukenePhakathi kwalezi kukhona ama-ETF (izimali ezithengiswa ngokushintshana) kanye nezinhlobo ezahlukene zomshuwalense ezivumelaniswe nezidingo zansuku zonke.
Phakathi kwezembozo eziphawuleka kakhulu umshwalense wezilwane ezifuywayo one- Isevisi yokunakekelwa kwezilwane amahora angu-24 ngosuku, izinsuku ezingu-7 ngesontoehlose ukunakekela iphrofayili yamakhasimende asemasha efuna izixazululo ezilula, zedijithali ezitholakalayo ngaso sonke isikhathi. Lokhu kuhlanganiswa kokuhlangenwe nakho komsebenzisi, ubulula, kanye neminikelo eyenzelwe wena kube yisihluthulelo sokuqinisa ubudlelwano nezizukulwane ezintsha.
Ukulungiswa okuphelele kohlelo lokusebenza kanye nolwazi oluthuthukisiwe lomsebenzisi
Enye insika yentuthuko yedijithali yeCaixaBank kube yi- ukulungiswa okuphelele kohlelo lwakho lokusebenza lweselulaLe nhlangano ihlele kabusha isikhombimsebenzisi ngokubukeka kwesimanje kanye nokuzulazula okunembile, ngenhloso yokwenza lula imisebenzi ejwayelekile nokwenza ukuphathwa kwezimali zomuntu siqu kube lula kakhudlwana.
Uhlelo lokusebenza luhlanganisa ukuthuthukiswa kokubili ekwakhiweni nasekusebenzisekeni, lunciphisa izinyathelo ezinqubweni eziningi futhi lunikeza umbono ocacile wama-akhawunti, amakhadi, imali mboleko, ukutshalwa kwezimali, kanye nomshuwalense. Konke lokhu kuhlose ukuvumela umsebenzisi ukuthi lawula izimali zakho ngokushesha, ngaphandle kwesidingo solwazi oluthuthukisiwe lobuchwepheshe.
Lokhu kugxila kokuhlangenwe nakho komsebenzisi kubonakale ekubuyekezweni kwamakhasimende ezitolo zezinhlelo zokusebenza. Uhlelo lokusebenza lwe-CaixaBank luphakathi kwezinga eliphezulu kakhulu emkhakheni wamabhange waseSpain, lunezinzuzo eziphezulu kakhulu ku-Google Play kanye naku-iOS, okubonisa izinga eliphezulu lokwaneliseka ngokusebenza kwalo.
Ngaphezu kokwakhiwa kabusha, inhlangano ifake ukuthuthukiswa kwezokuphepha kanye nasezinqubweni zokuqinisekisa, ukugcina ukugxila ekuvikeleni ukuthengiselana ngaphandle kokulahla ukulula. Esimweni sokwanda kokusetshenziswa kwamabhange eselula, ibhalansi ukuphepha kanye lula ukusetshenziswa sekuyinto ebalulekile.
Izixazululo ezintsha: Imbuyiselo yemali kanye ne-Facilitea yokuthenga okuguquguqukayo
Ukuguqulwa kwedijithali kweCaixaBank kusekelwa futhi ukuqaliswa kwe- izixazululo ezintsha ezigxile kubathengi kanye nokuthengwa kwansuku zonke. Phakathi kwazo, i-Cashback iyagqama, isici esivumela amakhasimende ukuthi athole ingxenye yenani lokuthenga kwawo okwenziwe kumabhrendi angaphezu kwe-100 abalingani.
Lolu hlelo lokubuyiselwa kwemali lunikeza abasebenzisi isikhuthazo esengeziwe sokufaka izinkokhelo zabo ebhange, kuyilapho futhi lukhuthaza ukusetshenziswa kwamakhadi kanye nohlelo lokusebenza uqobo. Amakhasimende angabona lokhu kubuyiselwa kwemali kuqongelela futhi akusebenzise njengesengezo esincane kwisabelomali sabo sansuku zonke.
Esinye isinyathelo esibalulekile yiFacilitea, i-portal lapho amakhasimende eCaixaBank angakwazi khona hlukanisa ukuthenga okuthile mahhala Ukuthenga okwenziwe ngamakhadi esikweletu akhishwe yibhange. Kulesi simo, kungenzeka ukuthola imbuyiselo engu-5% futhi, kweminye imikhiqizo ethile, kufikela ku-10%.
Le ndlela yokukhokha ihloselwe kakhulu amakhasimende anediphozithi eqondile yemali engenayo ebhange, afuna indlela eguquguqukayo yokuxhasa ukuthenga kwawo ngaphandle kwemali eyengeziwe. Izipesheli ezifana ne-Facilitea zihambisana nokuthambekela kwemakethe okuya ku- izixazululo zokukhokha ngezitolimende kanye nezinhlelo zezinzuzo ezihlanganiswe nolwazi lwebhange uqobo.
Isisekelo sabasebenzisi bedijithali abangaphezu kwezigidi ezingu-12
Ngokukhuthazwa okuvela kuhlelo lokusebenza oluvuselelwe, izici ezintsha kanye nokukhula kwe-imagin, i-CaixaBank ihlanganise enye yezinhlelo zokusebenza Isisekelo samakhasimende sedijithali esikhulu kunazo zonke eSpainSekukonke, leli qembu linabasebenzisi abasebenzayo abayizigidi ezingu-12,66 ezinkundleni zalo eziku-inthanethi, okuyisibalo esilibeka njengesilinganiso emkhakheni wezezimali kazwelonke.
Leli nani labasebenzisi livumela inhlangano ukuthi isebenzise imodeli yobudlelwano ngokusekelwe kudatha kanye nokwenza kube ngokwakho, inikeza izincomo, izexwayiso, kanye neziphakamiso zomkhiqizo ezenzelwe iphrofayela yekhasimende ngalinye. Umgomo uwukuthi isikhathi sedijithali singagcini nje ngokuhambisa izinqubo kuselula, kodwa sikhonze ukuthuthukisa ikhwalithi yeseluleko futhi wenze ubudlelwano nebhange bube buseduze futhi bube usizo kakhulu.
Ezingeni lobuchwepheshe, iCaixaBank inenkampani yayo engaphansi ekhethekile, iCaixaBank Tech, esebenza namaqembu ahlukahlukene ukuze kwethulwe izinto ezintsha kuzo zonke izindawo zenhlangano. Kusukela ekuthuthukiseni izinhlelo zangaphakathi kuya ekuthuthukiseni imisebenzi emisha ebhekene namakhasimende, ibhange lifuna ukusheshisa uhlelo lokuguqulwa kwedijithali olufinyelela kude.
Le ndlela iyingxenye yoHlelo Lwesu luka-2025-2027, olubheka ubuchwepheshe njengento ebalulekile yokuqinisa ukuncintisana kwebhange. Umgomo ukuqhubeka nokwandisa ikhathalogi yemikhiqizo etholakala ngokusebenzisa izinkontileka zedijithali, futhi ngesikhathi esifanayo, ukwenza izimpilo zezimali zabasebenzisi zibe lula, kokubili eSpain nasezimakethe zayo ezibalulekile zaseYurophu.
Njengoba ama-akhawunti amasha edijithali enyuke ngo-30%, ukukhula okuqinile komkhiqizo we-imagin phakathi kwentsha, kanye nohlelo lokusebenza lweselula oluhlanganisa imisebenzi nezinsizakalo ezahlukahlukene, i-CaixaBank ihlanganisa ukuzibophezela kwayo ebhange eliku-inthanethi. Ukuhlanganiswa kokusungula izinto ezintsha kwezobuchwepheshe, izixazululo ezintsha njenge-Cashback kanye ne-Facilitea, kanye nesisekelo samakhasimende edijithali angaphezu kwezigidi ezingu-12 kubeka ibhange njengomholi endaweni yezezimali yaseSpain, kanye nendawo yokuthuthukisa ukusetshenziswa kweziteshi zalo zedijithali eminyakeni ezayo.
