Ngamhla ziyi-12 Inyoni 2026 inkampani yetetimali nebuchwepheshe i-Revolut yaciniseka ngaloko leyakuchaza njengemkhuba wekukhohlisa lowakhaliphile wekulingisa lovela ngaphandle: umuntfu longakavunyelwa wasebentisa i-imeyili lesesizindeni lesisemtsetfweni setikhungo tahulumende kute atfumele ticelo temanga temininingwane yemakhasimende. Leticelo tagcwaliswa ngembi kwekutsi lolu buciko butfolakale.

Loko lokwenta lesehlakalo sifanele kunakwa kwakho kutsi asinako kwephulwa ngendlela lejwayelekile. Kute butsakatsaka besofthiwe, kute liphasiwedi leliputshukile, kute i-malware. I-Revolut ngekwayo yasho kutsi tinhlelo tayo nemali yemakhasimende akuzange kutsintseke. Umuntfu wacela imininingwane ngendlela lefanele ngendlela lefanele yekuchumana, futsi wayitfola. Yingakho ncamashi loku kubalulekile kuwo onkhe libhizinisi leligcina emarekhodi emakhasimende, hhayi emabhange kuphela.

Yini leciniswe ngempela

Sitibeka emkhawulweni waloko inkampani lekumemetele naloko titindlela tetindzaba letigcile letikubikile, ngobe luphenyo lusachubeka futsi lokunyenti kusengakadalulwa:

  • Indlela: i-imeyili letfunyelwe ku-akhawunti lengakavunyelwa lengekhatsi kwesizinda lesesikhungo sahulumende sangempela, itfwele sitfunti sesicelo semininingwane lesisemtsetfweni.
  • Imininingwane: imininingwane yebuntfu neyekuchumana kufaka ekhatsi lilanga lekutalwa, likheli leposi, likheli le-imeyili nenombolo yelucingo, kanye nemakhophi emaphepha ebuntfu njengemaphasipoti nemalayisensi ekushayela, kanye netitfombe tekuciniseka buso letaciwa ngesikhatsi sekuhlolwa kwekwati likhasimende lakho (know-your-customer).
  • Bukhulu: inkampani yatsi linani lelilinganiselwe lemakhasimende, futsi ayizange ikhiphe inombolo.
  • Sikhungo: i-Revolut yala kusho libito lesikhungo sahulumende lesinesizinda lesasetjentiswa, icaphuna luphenyo lolusachubeka.
  • Imphendvulo: lelikheli lavinjwa, emakhasimende latsintsekile atiswa ngco, futsi inkampani yatisa sikhungo sahulumende lesifanele, emaphoyisa, balawuli betetimali kanye neligunya lekuvikela imininingwane.

Umcwaningi wekuvikeleka kwe-crypto lowatiwa ngekutsi ngu-ZachXBT wahlola kutsi lokukhetsa kwabonakala kukhomba emakhasimende lanemcebo lomkhulu, loku kukhombisa kwakhiwa kwemaphrofayili lanemininingwane leminyenti kunekucoca nje ngaphandle kwekukhetsa. Loko kuhlola kwemcwaningi kunekutsi kube sitatimende senkampani, futsi sikucaphuna ngaleyo ndlela.

Kungani sicelo sasebenta: kuciniseka akusikho kuvunyelwa

Tinhlelo letinyenti te-imeyili tetinkampani tetsembele ekuhlolweni kwebuchwepheshe lokuciniseka kutsi umlayeto wacala ngempela esizindeni lesitsi uvela kuso. Lokuhlolwa kusebenta kahle ekulweni nekulingisa lokujwayelekile: nome ngubani lolingisa sizinda langasilawuli uyaliwa. Kodvwa kwakhelwa kuphendvula umbuto munye kuphela ncamashi — ingabe lomlayeto waphuma kulesosizinda?

Lowo akusiwo umbuto lodzinga imphendvulo yawo. Umbuto wakho kutsi ingabe umuntfu lowabhala lomlayeto uvunyelwe kucela loko lakucelako. Kute kuhlolwa kwe-imeyili lokuphendvula loko. Libanga emkhatsini walemibuto lemibili ngulibanga emkhatsini wekuciniseka nekuvunyelwa, futsi ngulesikhala lolonkhe lomsebenti lowahamba ngaso. Nangabe i-akhawunti letfumelako ingekhatsi kwesizinda sangempela — nome ngabe ingenwe ngebuciko noma yanikwa ngephutsa — sonkhe sibonakaliso sekwetsembeka lesingabonwa litsimba lakho sitawuba luhlata.

Umphumela lobonakalako: umsebenti we-gateway ye-imeyili yakho uphela ekulethweni kwesicelo singakaphatfwa. Kwahlulela sicelo ngumsebenti wemuntfu, futsi kudzinga inchubo lebhaliwe kunemvelo yemuntfu ngamunye.

Libhizinisi lakho litfola sicelo lesifanako ngendlela lelula

Kulula kukufaka loku njengendzaba yenkampani yetetimali yase-Yurophu lekhashane. Kodvwa ticelo letifika emabhizinisini aseSaudi onkhe malanga tintfo letifanako ngetimphahla letilula: i-imeyili lecela sitatimende sekhasimende, umlayeto lofuna imininingwane yetisebenti ngenhloso yekulawula, lucingo lolucela kutsi uciniseke imininingwane yesivumelwano, incwadzi levela kulikheli lelitfwele libito lelisemtsetfweni lelijwayelekile icela emaphepha kute kuphotfulwe inchubo.

Etinkampanini letinyenti letincane naletimaphakatsi lesosicelo siphatfwa kanje: sifika kusisebenti, lotfumelako ubonakala asemtsetfweni, kwala sikhungo lesisemtsetfweni kuva kuyingoti kakhulu kunekuvuma, bese lifayela liyatfunyelwa. Kute lirekhodi lekutsi ngubani lowacela, yini leyaphuma, noma nini. Kute sinyatselo sekuciniseka lesitimele. Nangabe inkinga ivela kamuva, inkampani ayinalutfo lengakha kabusha ngalo tehlakalo.

Naka nengcindzetelo lesetjentiswako. Kushesha kanye nesitfunti lesisemtsetfweni ndzawonye yintfo levimba kuciniseka. Sisebenti lesesaba kusolwa ngekuvimba inchubo yahulumende sitawuweca lucingo lwekuciniseka, futsi loko kungumphumela lohlosiwe walendlela kunekuba ngumphumela longakahlosi.

Lokufunwa ngumtsetfo waseSaudi kuwe

UMtsetfo Wekuvikela Imininingwane Yemuntfu (PDPL) awukushiyi loku kuvulekile. Ubeka sibopho lesiphindvwe kabili kulibhizinisi lakho: dalula kuphela lapho kuvunyelwe khona, futsi ubike nawenta liphutsa.

  • Sigaba 15 sibeka timo lapho imininingwane yemuntfu ingadalulwa khona, kufaka ekhatsi lapho lowo locelako asikhungo semphakatsi futsi sicelo sisebentela inhloso yekuvikeleka, sisebentisa lomunye umtsetfo, noma sihlangabeta tidzingo tetemtsetfo, njengoba kuchazwe yimitsetfo yekusebentisa.
  • Sigaba 16 silawula timo lapho kudalulwa kufanele kuvinjwe khona, kufaka ekhatsi lapho bekungatsintsa kuvikeleka kwavelonkhe, kufaka kuphepha kwebantfu engotini, noma kuphazamisa luphenyo lolusachubeka.
  • Sigaba 20 sibopha lolawula imininingwane kutsi atise ligunya lelifanele kanye nalabo lababhekene nemininingwane ngekwephulwa noma kudalulwa lokungekho emtsetfweni. Imitsetfo yekusebentisa ibeka sikhatsi semahora langu-72 sekwatisa ligunya lelifanele ngeNkhundla Yavelonkhe Yekuphatsa Imininingwane.

Fundza letintsatfu ndzawonye bese liphuzu lelincumako liyavela: umtsetfo unika lilungelo esikhungweni semphakatsi, hhayi ku-imeyili. Sicelo lesifika sivela esizindeni sesikhungo semphakatsi asisenti kutsi sicelo sibe ngesabo. Umsebenti wemtsetfo wekuciniseka uhlala kuwe njengalolawula imininingwane, futsi awudluliseli kulotfumelako ngenca nje yekutsi abonakala asemtsetfweni.

Umbono we-Origami

I-Origami yinkampani yebuchwepheshe lephakela tinhlelo emabhizinisi aseSaudi, futsi siphetfo lesisibona kaningi kutsi cishe konkhe kutjalwa kwemali ekuvikelekeni kuya ekuvimbeni kungena lokungakavunyelwa: emaphasiwedi, kuciniseka ngetinyatselo letimbili, ema-firewall. Loko kuyadzingeka, kodvwa kugadza umnyango munye. Lesehlakalo lesikhuluma ngaso asizange singene ngemnyango. Sangcongcotsa, sacela imininingwane, sayinikwa. Kute kulungiselela kwebuchwepheshe lokuvimba sisebenti lesivunyelwe kutfumela lifayela kumuntfu lowalicela ngendlela lebeyibonakala ilungile.

Ngako-ke sikutsatsa kuphuma kwemininingwane elibhizinisini njengenchubo leyakhelwe ngekhatsi ohlelweni kunekuba yinkhombandlela lebhalwe encwadzini yemiyalelo: ngubani lonemvume yekukhipha imininingwane yemakhasimende, ingabe konkhe kukhipha kubhalwa kanye nekutsi ngubani lowakwenta nanini nekutsi kungani, nekutsi ingabe ticelo tebantfu besitsatfu tilandzela indlela yekuvunywa. Inkampani lengaphendvula kutsi ngumiphi imininingwane leyaphuma lapha ngenyanga leyendlulile nekutsi kungani ngekhatsi kweliminithi inako lengativikela ngako. Inkampani lengakhoni itawutfola lesikhala ngelilanga leyidzinga ngalo imphendvulo.

Inchubo yelikhasi linye lekufanele uyemukele kulelisontfo

Loku akudzingi luhlelo futsi akudzingi sabelomali. Kudzinga umtsetfo lobhaliwe noshicilelwe lovikela sisebenti sakho kutsi singancumi sodvwa singaphansi kwengcindzetelo:

  • Kute imininingwane yekhasimende noma yesisebenti lephuma ngenca nje yemlayeto lofikako. Umlayeto uvula sicelo; awusiphumeleli, nome ngabe lotfumelako abonakala asemtsetfweni kangakanani futsi nome lizwi liphutfuma kangakanani.
  • Ciniseka ngendlela yekuchumana letimele. Ungaphendvuli umlayeto futsi ungashayeli inombolo lebhalwe ngekhatsi kwawo. Shayela inombolo leshicilelwe kuwebhusayithi lesemtsetfweni yesikhungo. Lesinyatselo sinye nje besitawumisa lolonkhe lomsebenti.
  • Lovumako munye loshiwo ngelibito. Umuntfu munye lovunyelwe kukhipha imininingwane kulotsite wangaphandle, anesekela leshiwo ngelibito nangabe angekho. Kusabalalisa imvume kubo bonkhe kusho kutsi kute lotsatsa umtfwalo.
  • Lirekhodi lelibhaliwe lalo lonkhe sicelo. Ngubani lowacela, ngasiphi sikhundla, ngumiphi imininingwane, ngubani lowavuma, kwacinisekiswa kanjani, kanye nelilanga. Umugca munye kuspredishithi wenele, futsi kubaluleka kwawo kuvela ngemuva kwemnyaka kunekutsi kube lamuhla.
  • Tfumela lokuncane kakhulu. Nangabe sicelo sisemtsetfweni, tfumela ncamashi loko lokucelwe, hhayi lonkhe lifayela noma lonkhe lithebula. Bunyenti lobutfumelako bubukhulu bemonakalo nangabe sicelo sibonakala siyinkhohliso.
  • Yati indlela yekubika ngembi kwekutsi uyidzinge. Ngubani lotisa i-SDAIA ngekhatsi kwemahora langu-72, ngayiphi inkhundla, ngamiphi imininingwane. Sikhatsi lesichitfwa ufuna inchubo sisuka ngco esikhatsini lesibekiwe.

Simiso lesingaphansi kwako konkhe kutsi kuciniseka akusikho kuvimba. Sikhungo sangempela lesisemtsetfweni ngeke siphikise lucingo lwekuciniseka lolushayelwa enombolweni yaso leshicilelwe, futsi nome ngubani lophikisa kucinisekiswa nguye ncamashi lofanele kucinisekiswa. Kubeke loku ngekubhala etisebentini takho kute kwala sicelo kungaze kube yingoti yemuntfu sisebenti sinye lesifanele kuyitfwala sodvwa.

Imitfombo