wizz Kuyinto a Isevisi yezezimali eyi-100% inikezwe amandla yi BBVA, okuphawula ingqopha-mlando entsha esigabeni samasevisi ezezimali kanye nesiphakamiso saso esisha ngaphansi kwesiqubulo "Imali exhunyiwe". Idizayinelwe ukwenza lula izinkokhelo phakathi kwabantu ngabanye, bethenga kwi-intanethi y izinkokhelo zeselula, i-Wizzo ibekwe njengomkhiqizo wokuqala wedijithali webhange e-Spain, okwenza isigaba esisha ngokuphelele emkhakheni wezezimali.
Uhlelo lokusebenza olunembile futhi olusebenzayo
U-Wizzo uziveza njengo uhlelo lokusebenza lewebhu leselula, etholakalayo kokubili i-iOS ne-Android, edizayinelwe ngokugxila okucacile kokuthi agility y ukulula. Le sevisi inikeza ukusebenza okuhlukahlukene, njengokuthi kungenzeka ukukhipha imali ku-ATM ngaphandle kwekhadi, ngenxa yesistimu elula yamakhodi athunyelwa ngqo kumakhalekhukhwini womsebenzisi. Ngokufanayo, abasebenzisi bangacela noma a ikhadi lomzimba njengesitika 'ngaphandle kokuxhumana', okuvumela ukuthi izinkokhelo zenziwe ngokumane ulethe umakhalekhukhwini eduze ne-dataphone.
Ithuba labantu abasha
Isevisi ifinyeleleka kunoma ubani, amakhasimende e-BBVA kanye nabangewona amakhasimende, okwenza i-Wizzo ikhange kakhulu ubusha. Lesi sigaba sabantu, esijwayele kakhulu amanethiwekhi omphakathi y ubuchwepheshe bedijithali, ithola ku-Wizzo ukuxhumana kokuqala nomhlaba wezezimali. Ukuvula i-akhawunti ngokuphelele online futhi kuthatha imizuzu engaphansi kwemihlanu, ngokubhalisa kusizindalwazi esisemthethweni.
Ngokusho ULuis Uguina, Inhloko Ye-New Technologies kwa-BBVA, “I-Wizzo imele ukubonakala komkhiqizo omusha ngokuphelele, ohlanganisa ukuxhumanisa imali yethu nempilo yethu ye-inthanethi ngendlela elula kakhulu nephumelelayo, ngeselula noma ngewebhu.” Ngakolunye uhlangothi, UHugo Najera, oyiChief Innovation Officer webhange, uyanezela: “SinoWizzo siqhudelana ngqo nesizukulwane esisha sabadlali bedijithali. I-BBVA ifuna ukuhola le makethe ngesevisi entsha, esekelwa amandla nolwazi lweqembu lethu. "
Umqondo wamanethiwekhi omphakathi ayiswe emkhakheni wezezimali
Elinye lamaphuzu amasha kakhulu e-Wizzo yikhono layo lokudlulisa umqondo we amanethiwekhi omphakathi emhlabeni wokuthengiselana kwezezimali. Abasebenzisi bangakha ababo ukuxhumana nabantu kugxile izinkokhelo, ukuthenga nokonga, imema abangani noxhumana nabo ukuthi bazokhokha P2P (peer-to-peer) kalula njengokuthumela umlayezo wombhalo.
Lokhu kusebenza kuqeda isidingo sokwazi imininingwane yasebhange eyinkimbinkimbi, njenge-IBAN. Kunalokho, kwanele ukwazi Igama lomsebenzisi le-Wizzo, the imeyili noma i inombolo yocingo zomamukeli ukwenza ukudluliselwa kwemali.
Ukwengeza, u-Wizzo wethula i- izikebhe eziku-inthanethi, umsebenzi ophelele wokuhlela ukuthengwa kweqembu noma uqoqe imali yesipho. Ngaleli thuluzi, abasebenzisi bangakwazi ukusungula amanani omnikelo womhlanganyeli ngamunye, baphathe izimangalo futhi bazi ukuthi ubani onikele nongazange, konke ngendlela yedijithali nelula.
Izinketho ezingeziwe: Amakhadi nezinkokhelo ngaphandle kokuthinta
Kulabo abadinga izinketho ezengeziwe, i-Wizzo iphinde inikeze a Ikhadi le-Visa elingokwenyama, esebenza njengekhadi Imali yendabuko. Ukwengeza, abasebenzisi bangacela isitikha 'ngaphandle kokuxhumana', enamathisela kumakhalekhukhwini futhi ivumela ukukhokha okusheshayo ukuthi kwenziwe ezitolo eziphathekayo ezifakwe lobu buchwepheshe. Ngenxa yalezi zinketho, i-Wizzo ayigcini nje ngokuphathelene nokuthengiselana okuku-inthanethi, kodwa futhi ixhumanisa umhlaba obonakalayo nongokoqobo.
Esinye isici esiphawulekayo uhlelo lwe ukuphepha. I-akhawunti ngayinye inomkhawulo wokushajwa kabusha I-2.500 ama-euro ngonyaka, ngokwemithetho yamanje yokuvimbela ukuxhashazwa kwemali, ukuze kuqinisekiswe ukusetshenziswa okufanele nokuphephile kwesevisi.
Ukukhuthaza imfundo yokonga nezezimali
Ngaphezu kokusiza ukukhokha kanye nokuthengiselana, i-Wizzo yethula izinto ezintsha ukulondoloza. Abasebenzisi bangahlela inani langeviki elingena ngokuzenzekelayo esikhwameni sokulondoloza, elilungele amaphrojekthi athile noma ukuthenga okufunayo. Le ndlela ihambisana ngokuphelele nefilosofi ye-BBVA yokuphromotha imfundo yezezimaliikakhulukazi kubantu abasha.
I-Wizzo iphinde ivumele abazali ukuthi baphathe izinkokhelo zezingane zabo ngedijithali. Ngalesi simiso, abazali bangathumela amanani avamile emali kuma-akhawunti ezingane zabo, bazisize zilawule ezazo izindleko kusukela ekuqaleni.
Izinkokhelo eziku-inthanethi nangale kwalokho
Iqiniso lokuthi i-Wizzo isebenza njenge- ikhadi elikhokhelwa kuqala ikwenza kube usizo ngokukhethekile ekuthengeni i-inthanethi, okukunikeza ukulawula okukhulu nokuvikeleka ezindlekweni. Ngokuvumela ukufinyelela okulinganiselwe kubhalansi elayishiwe, i-Wizzo iba inketho ekahle kubantu abasha abafuna ukuthenga ngedijithali ngaphandle kokudalula. imininingwane yasebhange ebucayi kakhulu.
Kulabo abafisa ukukhipha ukheshi, uhlelo lwekhodi ye-Wizzo likuvumela ukuthi wenze njalo kunoma iyiphi i-ATM ye-BBVA, ngaphandle kwesidingo sekhadi eliphathekayo, imininingwane egqamisa intengo yayo. okwenzayo futhi ugxile kulwazi lomsebenzisi.
Nge-Wizzo, i-BBVA ikhombisa ukuzibophezela kwayo ekwenzeni izinto ezintsha kanye ukwenziwa kwedijithali emkhakheni wezezimali, ukudala ithuluzi elihlanganisa okungcono kakhulu kwendawo ebonakalayo nedijithali. Lesi siphakamiso asigcini nje ngokuhlangabezana nezidingo zamanje zabasebenzisi, kodwa futhi sibeka izisekelo zekusasa le izinsizakalo zezezimali.