Uguquko lwezinkokhelo zedijithali luguqule ngokuphelele isimo se-e-commerce eSpain. Kulo mongo, I-Bizum isiphenduke enye yezindlela ezithandwayo kubo bobabili abasebenzisi ngabanye kanye namabhizinisi e-eCommerce abo bonke osayizi. Ukwamukela izinkokhelo ze-Bizum esitolo sakho esiku-inthanethi kungaba ukhiye ekwandiseni ukuzethemba kwamakhasimende, ukwenza lula ukukhokha, kanye nokuthuthukisa amazinga okuguqulwa.
Ingabe ucabanga ukuthatha uju futhi uvumele amakhasimende akho ukuthi akukhokhele ngendlela elula nelula kakhulu ngangokunokwenzeka? Uma unesitolo se-eCommerce futhi ufuna isixazululo sesimanje, esisheshayo, nesivikelekile sokuqoqa izinkokhelo, i-Bizum ingenza umehluko. Ngezansi, sihlola ngokujulile ukuthi isebenza kanjani, izinzuzo zayo, ukuthi ungayihlanganisa kanjani esitolo sakho se-inthanethi, nakho konke odinga ukukwazi ukuze uthole okuningi kuyo.
Iyini i-Bizum futhi kungani idume kangaka ezinkokhelweni ze-inthanethi?
I-Bizum iyisixazululo sokukhokha ngokushesha Yasungulwa e-Spain ngo-2016 ngokwesekwa amabhange ahamba phambili ezwe, ekuqaleni yakhelwe ukudluliselwa phakathi kwabantu ngabanye futhi isizimise njengenkundla eyisisekelo yezinkokhelo ze-inthanethi ku-e-commerce.
Indlela i-Bizum esebenza ngayo ilula: ixhuma inombolo yefoni yeselula yomsebenzisi ku-akhawunti yakhe yasebhangeNgale ndlela, ukuze uthumele noma wamukele imali, udinga kuphela ukwazi inombolo yocingo yomunye umuntu noma ukhethe i-Bizum njengendlela yokukhokha esitolo se-inthanethi.
Okudala ukusetshenziswa kwayo yi- ukukhululeka, isivinini nokuphepha Inikeza. Ngemizuzwana nje, imali isuka kwenye i-akhawunti iye kwenye ngaphandle komthungo, ngaphandle kokukhumbula izinombolo zekhadi ezinde noma udale ama-akhawunti engeziwe.
- Abasebenzisi abasebenzayo abangaphezu kwezigidi ezingu-28 e-Spain, elimelela ngaphezu kwesigamu senani labantu.
- Ngo-2024 kwenziwa ngaphezu kwezigidi ezi-3 okwenziwa nsuku zonke okulingana nokuthengiselana okungu-35 njalo ngesekhondi.
- Izingosi ze-e-commerce ezingu-65.000 Seziyazamukela izinkokhelo nge-Bizum, futhi inombolo iyaqhubeka nokukhula ngokushesha.
Izinzuzo zokufaka i-Bizum ku-eCommerce yakho
Kunezizathu eziningi zokuthi kungani i-Bizum ishanela indawo ye-e-commerce. Ukunikeza i-Bizum njengendlela yokukhokha esitolo sakho se-inthanethi kungaba inguquko. kulwazi lokuthenga lwabasebenzisi bakho nasekuphatheni ibhizinisi lakho.
- Isivinini kokwenziwe: Izinkokhelo nge-Bizum ziyenzeka ngokushesha. Kokubili ikhasimende nomthengisi bathola isiqinisekiso phakathi nemizuzwana, okuthuthukisa ukuphathwa kwempahla nokugeleza kwemali.
- Ukunethezeka nokuba lula: Okudingayo iselula kanye ne-PIN ye-Bizum ukuze uqedele ukuthenga. Lokhu kunciphisa isidingo sokufaka imininingwane yekhadi noma ukudala ama-akhawunti engeziwe, kuthuthukisa inqubo yokukhokha.
- Ukuzethemba okukhulu namazinga aphansi e-churn: Abathengi baseSpain bajwayele i-Bizum, enciphisa izithiyo nokungathembani lapho beqeda ukuthenga, inciphisa ukushiywa kwekalishi lokuthenga okwesabekayo.
- Izindleko zekhomishini eziphansi: Uma kuqhathaniswa nezinye izindlela zokukhokha ezivamile, i-Bizum ngokuvamile inezinkokhelo ezincintisana kakhulu zabathengisi, eziwusizo ikakhulukazi kumabhizinisi amancane nakubantu abazisebenzayo.
- Ukuphepha okuqinisiwe: I-Bizum ihlanganisa ukuqinisekiswa kwezinto ezimbili, okuhambisana nemithetho ye-PSD2 namazinga aseYurophu. Kokubili amakhasimende nezitolo zivikelwe yizinhlelo zokuphepha zasebhange ezithuthuke kakhulu.
- I-Democratization yezinkokhelo zedijithali: Noma yiliphi ibhizinisi, elikhulu noma elincane, linganikeza i-Bizum futhi liqhudelane ngokulingana, lisize ukwenziwa kwedijithali kanye nokwenza ngcono umkhakha.
Lena yindlela inkokhelo ye-Bizum esebenza ngayo esitolo esiku-inthanethi.
Inqubo yokukhokha nge-Bizum ku-eCommerce iyaqondakala. Uma usukhethe i-Bizum njengendlela yakho yokukhokha ekuphumeni, udinga nje ukufaka ifayela le inombolo yocingo exhunywe ku-Bizum kanye nekhodi ye-Bizum enezinhlamvu ezingu-4, uhlobo lwephinikhodi ekhethekile yokuthenga ku-inthanethi. Inkokhelo igunyazwe ngokuqinisekiswa kwezinto ezimbili, ngokuvamile ngohlelo lokusebenza lwasebhange, okuqinisekisa ukuvikeleka okuphezulu.
Izinkokhelo nokunyakaza kubonakala ngaso leso sikhathi ku-akhawunti yomthengi, okungaxhunyanwa nayo ngohlelo lokusebenza lwebhange lwe-Bizum noma indawo.
Uyini ukhiye we-Bizum futhi ngiwuthola kanjani?
Ukhiye we-Bizum yikhodi yomuntu siqu enezinhlamvu ezi-4 edingekayo ukuze uqinisekise izinkokhelo ezitolo ze-inthanethi. Ungakwazi ukukhiqiza noma uguqule lo khiye ohlelweni lokusebenza lwebhange lakho. emizuzwini embalwa, ukwengeza isendlalelo esengeziwe sokuvikela ekukhwabaniseni noma ekufinyeleleni okungagunyaziwe.
Kubiza malini ukukhokha noma ukwamukela izinkokhelo nge-Bizum?
Isici esiyisisekelo yilokho Kumakhasimende, ukukhokha nge-Bizum ezitolo ze-e-commerce akunazindleko.Izinkampani zaseSpain azikhokhisi ikhomishini kubathengi. Kubathengisi, nokho, kukhona amakhomishini ahluka ngokuya ngesango lokukhokha noma uhlelo olukhethiwe.
Isibonelo, amanye amanani ajwayelekile yilawa:
- Amasango afana ne-MONEI: kusuka 1,34% + €0,34 ngokwenziwe ngakunye okuyimpumelelo kanye nekhomishini eyengeziwe yokutholwa kuye ngohlelo.
- I-PAYCOMET nezinye izinkundla, ezinezinqubomgomo zekhomishini ezifanayo, zilungiswa ngokuya ngevolumu nezidingo zomthengisi.
Kubalulekile ukuthintana nebhange lakho noma isango lokukhokha isakhiwo sezindleko ngaphambi kokusebenzisa i-Bizum, njengoba ingathinta inzuzo yebhizinisi lakho.
I-eCommerce yakho ingazuza kanjani ku-Bizum?
Ukusebenzisa i-Bizum njengendlela yokukhokha kunikeza izinzuzo ezicacile zokuncintisana. Izinkampani ezifana ne-Decathlon, i-Balearia, i-Yelmo Cines nezinkulungwane zamanye amabhizinisi ase-Spain sezivele ziyifakile., okubonisa isidingo esikhulu esivela kubathengi.
Phakathi kwezinzuzo eziyinhloko kukhona:
- Ukunciphisa ukushiywa kwenqola: Ucwaningo lwakamuva lulinganisela ukuthi i-Bizum ingakwazi ukwehlisa izilinganiso zokushiywa kufika ku-30%, ngenxa yokujwayela inqubo kanye nesivinini sayo.
- Ukuthuthukiswa kokuguqulwa: Ngokwenza lula isikhathi esibalulekile sokukhokha, abasebenzisi abaningi baqeda ukuthenga kwabo ngempumelelo.
- Ukukhula kwesisekelo sekhasimende: Ngokufaka indlela esetshenziswa kakhulu, uthola ukufinyelela ekwabeleni kwemakethe okukhulu nabasebenzisi abafuna izitolo ezifanelana nezintandokazi zabo.
- Ukwethenjwa nesithunzi: Ukunikeza izindlela zokukhokha zendawo kudala ukuphepha nokwethembeka phakathi kwabathengi bakazwelonke.
Izinyathelo nezimfuneko zokuhlanganisa i-Bizum esitolo sakho se-inthanethi
Inqubo yokwamukela izinkokhelo ze-Bizum iyahluka kancane kuye ngenkundla ye-eCommerce esetshenzisiwe kanye nebhange. Amabhange amakhulu e-Spain (CaixaBank, Banco Santander, BBVA, Sabadell, Unicaja, Kutxabank…) asekela i-Bizum yamabhizinisi., nakuba kudingekile ukuqinisekisa ukutholakala nemibandela ngayinye ngayinye.
- Khuluma nebhange lakho kuqala: Qiniseka ukuthi isikhungo sakho sinikezela nge-Bizum yamabhizinisi futhi ucele ukubhaliswa kwesevisi. Bazokunikeza ulwazi oludingekayo kanye nemininingwane.
- Khetha isango lokukhokha elihambisanayo: Amapulatifomu afana ne-Retsys, i-Cecabank, i-Sipay, i-MONEI noma i-PAYCOMET kakade isilungele ukuhlanganisa kalula izinkokhelo ze-Bizum.
- Landa i-plugin noma imojuli ye-CMS yakho: Uma usebenzisa i-WooCommerce, i-PrestaShop, i-Magento, noma i-OpenCart, ungafaka i-plugin ye-Bizum kusuka kuwebhusayithi yakho yesango noma ku-Redsys ngokwayo. Khumbula ukuvula iziphu amafayela ngaphambi kokuwalayisha kumojula noma kumphathi we-plugin.
- Lungiselela futhi uhlole ukuhlanganisa: Ngesikhathi sokusetha, uzodinga ukufaka amapharamitha ahlinzekwa yibhange lakho, futhi uzokwazi ukusebenzisa indawo ye-sandbox ngaphambi kokuvula izinkokhelo ezibukhoma.
- Bheka imihlahlandlela yokusekela: Izinkundla zokukhokha kanye ne-CMS ngokwazo zinikeza imibhalo enemininingwane nokusekelwa kobuchwepheshe ukuze kuxazululwe noma yiziphi izinkinga noma ukwenza inqubo ngendlela oyifisayo.
Hlanganisa i-Bizum ne-WooCommerce
I-WooCommerce ine-plugin ye-Retsys eklanyelwe ngokukhethekile ukunika amandla i-Bizum njengendlela yokukhokha. Sicela uqaphele ukuthi ifayela lokugcina lokufaka ngokuvamile liqukethwe efayelini elilayishekayo le-.zip, ngakho-ke kuyadingeka ukulivula ngaphambi kokulilayisha. Kusukela ekuphathweni kwe-WordPress, vele uye kokuthi Ama-plugin> Engeza Okusha> Layisha I-Plugin. Uma isifakiwe, ungenza i-Bizum isebenze futhi uqedele ukucushwa kokugcina usebenzisa ulwazi olutholwe ebhange lakho.
Hlanganisa i-Bizum ku-PrestaShop
Endabeni ye-PrestaShop, unayo futhi imojula eyenza ukuhlanganiswa. Njenge-WooCommerce, kufanele uqale uxhumane nebhange lakho ukuze uthole imininingwane edingekayo. Kusukela ehhovisi elingemuva le-PrestaShop, hamba kokuthi Enza Ngokwezifiso > Amamojula ukuze ulayishe imojula esemthethweni futhi uyilungiselele, uhlukanise phakathi kwezinketho zokukhokha zekhadi ne-Bizum. Indawo ye-sandbox iqinisekisa ukuthi yonke into isebenza kahle ngaphambi kokuyikhiphela ekukhiqizeni..
Ingabe kuphephile ukusebenzisa i-Bizum ku-eCommerce yakho?
Impendulo inguyebo. I-Bizum ihambisana ngokuqinile nemithetho yaseYurophu (PSD2) ezinkokhelweni zedijithali futhi idinga ukuqinisekiswa kwezinto ezimbili okwenziwayo ngakunye. Yonke imisebenzi isekelwa izinhlelo zokulwa nokukhwabanisa nokuphepha kwamabhange kwezikhungo ezinkulu zaseSpain. Ulwazi ludluliswa lubethelwe, futhi inkokhelo ngayinye kufanele iqinisekiswe ngohlelo lokusebenza lwebhange lomsebenzisi, olunciphisa ubungozi.
Futhi, Ukubuyiselwa kwemali kokuthenga okwenziwe nge-Bizum kulandela izinqubomgomo ezijwayelekile zesitolo.Inani lingabuyiselwa njenganoma iyiphi enye indlela yokukhokha yedijithali, inqobo nje uma isitolo sinikeza le nketho futhi imigomo nemibandela yaso iyahlonishwa.
Imikhawulo nezici okufanele zicatshangelwe lapho wamukela i-Bizum
I-Bizum iyithuluzi elinamandla kakhulu emakethe yaseSpain, kodwa inemikhawulo ethile. imikhawulo yendawo kanye nezobuchwepheshe:
- Itholakala eSpain kuphela: Okwamanje, izinkokhelo zingenziwa kuphela phakathi kwama-akhawunti asebhange e-Spanish. Uma ibhizinisi lakho lithengisa phesheya, uzodinga ukuhlanganisa lokhu nezinye izindlela zamazwe ngamazwe.
- Ikhasimende kufanele livule i-Bizum: Nakuba isizinda somsebenzisi sikhulu, abathengi kufanele basinike amandla yibhange labo futhi babe nokhiye we-Bizum.
- Amakhomishana aguquguqukayo: Hlola nebhange lakho kanye nesango lokukhokha ukuze uthole izinkokhelo ezisebenzayo ukuze ugweme lezimanga.
Izindaba zempumelelo nokukhula okungavimbeki
I-Bizum isaqhubeka nokuphula amarekhodi unyaka nonyaka. Ngo-2024, inani lamabhizinisi avumela ukukhokha nge-Bizum lenyuke ngo-56%, lafinyelela cishe 82.000 amabhizinisi aku-inthanethi futhi sifinyelele ukuthengwa kwezigidi ezingu-58 ngonyaka ngalesi siteshi, ngevolumu engaphezu 3.100 million euroLezi zibalo zibonisa ukwamukelwa nokwethenjwa elikukhiqizayo phakathi kokubili abasebenzisi namabhizinisi edijithali kuyo yonke imikhakha.
Ngaphezu kwalokho, i-Bizum ihlela ukukhulisa ngokushesha ukufinyelela kwayo ezinkokhelweni zamazwe ngamazwe nePortugal ne-Italy, kanye nezici ezintsha ezifana nezinkokhelo zeselula zisebenzisa ubuchwepheshe be-NFC, okuzoyivumela ukuthi iqhubeke nokuhola indlela emisha yokukhokha.
Ungazitholaphi izitolo eziku-inthanethi ezamukela i-Bizum?
Uma ungumsebenzisi futhi ufuna ukwazi ukuthi yiziphi izitolo ezivumela ukukhokha nge-Bizum, ungavakashela uhla lwemibhalo lwebhizinisi olusemthethweni kuwebhusayithi ye-BizumLapho uzothola zonke izinhlobo zamabhizinisi, kusukela kumaketanga amakhulu afana ne-El Corte Inglés, i-Decathlon, i-Bershka, ne-Cecotec, kuya ezitolo ezincane ze-inthanethi.
Lokhu kubonakala kuzuzisa namabhizinisi, kusukela Ukufakwa ohlwini kulolu hlu kusiza ukuheha abathengi abasha abafuna ngokukhethekile izitolo ngale ndlela yokukhokha.
