Ngokuya nge- umbiko wenkampani yocwaningo Imakethe yezohwebo kanye nezinkokhelo eziku-inthanethi kanye Nezibalo, ukukhwabanisa kokukhokha ku-inthanethi komhlaba wonke kukhuphukele amanani amadijithi amabiliInkampani yaseJalimane iveza ukuthi ukuthengiswa kwe-e-commerce kuyingxenye ebalulekile yalolu hlobo lokukhwabanisa.
Ngenxa yalokhu okuhlukile ukugunyazwa kwe-biometric bathathe umsebenzi wokufuna izindlela ezintsha zokuthi izinhlelo zokukhokha ku-inthanethi kanye nezamaselula zibe ephephe kakhuluEqinisweni, abaningi sebeqalile kakade ukusebenzisa lolu hlelo ukugunyazwa kwe-biometric, okuhlanganisa nokuqinisekisa ubunikazi beklayenti ngokusekelwe ezintweni ezihlukile ze-morphological zomthengi ngamunye.
Umbiko uveza ukuthi abathengi bayayicabangela i- ukuphepha kokukhokha ku-inthanethi ukunquma ukuthi bafuna ukuthenga ku-inthanethi futhi bakucabangele ekukhetheni kwabo indlela yokukhokha. Kuyathakazelisa ukuqaphela ukuthi e-United States, abathengi baye babonisa lokho ukuphepha ekuthengeni ku-inthanethi kubaluleke kakhulu kunejubane.
E-Spain naseJalimane, ukuphepha kwezinkokhelo ze-inthanethi yi- ukukhathazeka okukhulu yabathengi abaku-inthanethi lapho ukhetha indlela yokukhokha eyodwa noma enye. Omunye umniningwane obalulekile oshiwo kulo mbiko uhlobene nokungabaza kwabathengi hlinzeka ngedatha, okubonakala kuvimbela laba bathengi ukuthi baguqule izindlela zokukhokha ezintsha, njengendaba ye izinkokhelo ngamadivayisi eselula.
Eqinisweni, ngaphezu kuka-50% wabo bonke abaphendulile ocwaningweni emhlabeni wonke bathi bakhathazekile nge ukuphepha kohlelo lokusebenza inkokhelo yeselula. Umbiko uphinde ukhulume nosayizi wevolumu yokukhwabanisa kokukhokha ku-inthanethi kanye ne izitayela nezinto ezintsha ukubhekana nale nkinga.
Ukukhwabanisa kwenkokhelo: incazelo, ububanzi, nokuthi kungani kukhula
El ukukhwabanisa kwenkokhelo Ihlanganisa imisebenzi ekhohlisayo edala ukulahlekelwa kwezimali emisebenzini yedijithali. Kuthinta abathengi namabhizinisi ngokufanayo: ngaphezu kwenani elilahlekile, kukhona ubungozi ku- isithunzi somkhiqizo, izinhlawulo zokungathobeli kanye nezindleko zokubuyisela. Ukukhula kwayo kuchazwa ngokwanda kohwebo lwe-inthanethi, ukusetshenziswa okukhulu kwe mobile kanye nokwenza umsebenzi we- ubunjiniyela bezenhlalo.
Amasango okukhokha: umqondo, izinzuzo nezibonelo
Izindlela zokukhokha ezisetshenziswa kakhulu ku-inthanethi kanye nezingozi ezivamile
Amakhadi wesikweletu / amadebhu
Indlela evame kakhulu: faka inombolo, usuku kanye I-CVV. Hlola ukuthi iwebhusayithi iqondisa kabusha ku- isango elivikelekile ebhange futhi ukuqinisekiswa kuceliwe (SMS, uhlelo lokusebenza yasebhange). Isincomo: sebenzisa ikhadi elibonakalayo noma elikhokhelwa ngaphambili ngokuthenga ku-inthanethi.
- Izingozi: ukuvuza kwedatha kumawebhusayithi omgunyathi, Ukukhwabanisa kwe-CNP (ikhadi alikho).
PayPal
Ikuvumela ukuthi ukhokhe ngaphandle kokubonisa ikhadi lakho esitolo. Yenza kusebenze I-MFA/2FA futhi isebenzisa eyodwa iphasiwedi eqinile. Ukunaka i ukuphinga, ukushaya noma i-vishing elingisa umkhiqizo.
- Izinhlelo ze ukuvikelwa komthengi Bangakwazi ukuvala izingxabano ngaphansi kwezimo kanye nezinsuku zokugcina ezichazwe yinkundla.
I-Bizum
Hlanganisa inombolo yakho yeselula nebhange lakho. Ukuqinisekiswa kwenziwa ku- isango lasebhange noma uhlelo lokusebenza. Gcina idivayisi kukhiyiwe ngaphandle futhi uqaphele izicelo eziphuthumayo.
I-Apple Pay ne-Google Pay
Izinkokhelo zamaselula nge uphawu kanye ne-biometrics (I-Face/Touch ID noma izigxivizo zeminwe). Uma ulahlekelwa yidivayisi yakho, sebenzisa isikhiya sesilawuli kude futhi uhoxise amakhadi akho izilungiselelo zokuphepha.
Ezinye izindlela
Ukudluliselwa kanye imali ekulethweni Ziyasebenza, kodwa zingasebenziseka kancane ku-inthanethi njengoba zidinga izenzo ezengeziwe futhi zibe nazo i-automation encane anti-ukukhwabanisa.
Amaqhinga amakhulu okukhwabanisa nezimpawu eziyisixwayiso
- Ubugebengu bokweba imininingwane ebucayi, ukuhlambalaza, nokuhlambalaza: thatha iziqinisekiso noma nxenxa ukudluliselwa.
- Ukukhwabanisa kwekhadi y I-CNP, ukwebiwa kobunikazi, i-malware/spyware, ukunqamula zokuthengiselana.
- I-invoyisi mbumbulu, ukukhwabanisa kwembuyiselo, ukukhohlisa ye-POS, ukudalwa kwe izitolo zomgunyathi.
- Izinkokhelo zeselula ezinonya kanye nokusetshenziswa ama-akhawunti we-mule ukuguqula izimali.
Izinkomba zobungozi
- Ukunyakaza kungene amahora noma izindawo ezingavamile, amanani aphezulu angenawo umlando.
- Ishintsha ngokuzumayo ikheli, inombolo yocingo noma indlela yokukhokha.
- Abaningi imizamo ehlulekile ukufinyelela/inkokhelo kanye nokufinyelela kusuka kumadivayisi angaziwa.
- Ukunyuka kwe uyabuya/ukukhansela, okunikezwayo okuhle kakhulu, kanye nezicelo ezingathetheleleki zedatha.
Amasu okuvikela ezinkampani nabasebenzisi
Ukhiye 1: ukuqeqeshwa nokuqwashisaUkubona izimpawu zokukhwabanisa nokuqeqesha amaqembu kanye nemindeni kunciphisa ubungozi.
Ukhiye 2: ubuchwepheshe obuthuthukile. MFA, ukubethela, amathokheni kanye nokuhambisana I-PCI DSS. Engeza i-biometrics yokuziphatha e ukuhlonza idivayisi ukuhlola ubungozi ngezikhathi.
Ukhiye 3: ukuqapha isikhathi sangempela. Amasistimu athola amaphethini angavamile futhi avimbe imisebenzi esolisayo, ngosekelo oluvela ukufunda imishini.
Ukhiye 4: izinkokhelo ezingathintwa (NFC/RFID) ezehlisa ukuchayeka kwedatha, kanye ukuphepha kwefu ngokuhlaziywa okuqhubekayo.
Ukhiye 5: blockchain njengerekhodi elingaguquleki, ukuphathwa kwengcebo ukuze kubonakale umhlaba wonke kanye nokusebenzisana ne PSP namabhange.
Ukhiye 6: izinqubomgomo zamalungelo amancane, ukucwaningwa kwamabhuku ngezikhathi ezithile kanye izinhlelo zokuphendula ukuqukatha izehlakalo kanye nokubuyisa izimali.
Ukukhwabanisa Okungagunyaziwe vs. okugunyaziwe
El Akugunyaziwe Lokhu kwenzeka lapho inkampani yangaphandle ifinyelela i-akhawunti futhi ikhokha ngaphandle kwemvume. Yehliswa nge-MFA, ukutholwa kwesikhathi sangempela, ukwenza iphrofayela yokukhwabanisa, i-biometrics yokuziphatha nokulawula idivayisi.
El ogunyaziwe kwenzeka lapho umkhohlisi eqinisekisa umsebenzisi ukuthi akhokhe. Kudinga imfundo yengqikithi ekuhambeni kwenkokhelo, ukuqinisekiswa komhlomuli, isinyathelo esiphikisanayo ama-akhawunti we-mule kanye nezinqubo zokusiza ukuphumula kwezimali.
Imibuzo ebuzwa njalo
Yibuphi ukukhwabanisa okuvame kakhulu?
Ubugebengu bokweba imininingwane ebucayi/ukukhwabanisa, ukusetshenziswa kwekhadi okungagunyaziwe, ukudluliselwa okungamanga, ukwebiwa kwedatha kanye nokukhwabanisa kokubuyisela.
Ungawubona kanjani umkhonyovu?
Imiyalezo engalindelekile ecelayo izifakazelo, ukuphuthuma, amaphutha esipelingi, ama-URL angajwayelekile nezixhumanisi ezisolisayo.
Izindlela zokuphepha ezinhle
Sebenzisa amaphasiwedi ahlukile, vula 2FA, thenga kumasayithi kuphela I-HTTPS, gwema i-Wi-Fi esesidlangalaleni futhi ubuyekeze amadivayisi.
Ukubika kanjani nokuthi yini okufanele ngiyenze uma ngiwa?
Ngokushesha xhumana nebhange noma inkundla ukuze ukukhiya, shintsha amagama ayimfihlo, futhi ubike ngobufakazi. Xhumana nomshwalense wokulwa nokukhwabanisa webhange lakho.
Ngemikhuba yokuqinisekisa, ubuchwepheshe obufanele kanye nezinqubomgomo ezicacile, kungenzeka ukunciphisa kakhulu ukuchayeka ekukhwabaniseni futhi ugcine ukwethenjwa kokwenziwa kwedijithali.
