Iingcebiso zokusebenzisa i-ATM kwelinye ilizwe
(c) uMark D. Kahler Ukusebenzisa iMishini yokuThengisa i-Automatic Teller (i-ATM) yenza ingqiqo eninzi xa u tyelela kwelinye ilizwe. Oomatshini abaninzi banamathele ngqo kwiibhanki zendawo, ezifumana amaxabiso atshintshiselwano. Uyakwazi ukuphatha imali encinci yemali yasekuhlaleni ukuxhasa ukusetyenziswa kwakho kwamakhadi-ngetyala, enokuzuza nakwezinga elikhulu lokutshintshwa kwebhanki.
Zonke zivakala zikhulu. Ngokwemvelo, kukho ezinye iingxaki kunye neengozi.
Kubalulekile ukuba uthethe nebhanki yakho okanye inkampani yekhadi lekhredithi ubuncinane iveki ngaphambi kokuhamba. Uzakufuna ukubonelela ngolwazi oluthile kwaye uxoxe ngezona zinto zintathu ezibalulekileyo:
1. Ukubonelela uluhlu lwawo onke amazwe anokubakho tyelela.
Isinyathelo sokuqala oya kuyidinga ukusithatha isaziso sebhanki yakho yasekhaya okanye inkampani yekhadi lesikweletu. Sebenzisa inombolo engekho inkokhelo okanye i-imeyile yangaphakathi kwiwebhusayithi yabo. Nika imihla yokuhamba kunye neendawo ezinokwenzeka. Musa ukukhathazeka malunga nokuba unamalungiselelo aqinisekileyo wokutyelela eBratislava ngexesha lokuhlala kwakho eVienna eseduze. Yibanikelele kuzo zonke izithuba ezikhoyo.
Ukuba uthabatha le nyathelo, ithuba lakho lokukhawula elibomvu liza kutyunjwa ukuze lisebenzise ngaphandle kwendlela yakho evamile yokushishina. Njengezilumkiso, jonga kule nkqubo kunye namakhadi akho amabini.
2. Buza malunga nezakhiwo zemali zokusebenzisa ikhadi lakho kwelinye ilizwe
Amanye amakhadi ekhredithi aya kuvumela ukuthengiswa kwamanye amazwe ngaphandle kwentlawulo. Kodwa abanye baya kuhlawula umrhumo wepesenti enye kunye nemali yokuguqulwa kwemali ukuya kuma-3 ekhulwini. Ngamanye amaxesha ezi ngxaki ziya kuba nzima ukuziphepha, kodwa unganciphisa imali yokuthengiswa kwe-ATM ngokuthatha imali eninzi.
3. Yimiphi imida yemihla yokurhoxisa?
Kuhle ukuba ukwazi ukuba umda kunye nendlela ibhanki ebala ngayo ixesha - ngaba ngumhla wekhalenda okanye kwiyure ezingama-24? Yiyiphi imida yexesha eya kusebenza?
Ngokuqhelekileyo kukulungele ukuhlala neATM ezixhunyiwe kwibhankini yendawo kwaye zifumaneka ngaphandle kweofisi yesebe. Ukuba unengxaki, kukho umntu osondeleyo ukunceda. Ihlawulela ukunyamekela ngamashishini akhethiweyo. Basenokungabikho uxhulumaniso kumaxabiso atshintshisayo, kwaye ngamanye amaxesha iithagethi zamasela.
Izigwenxa zijolise kwiATM . Ngamanye amaxesha bayakuphanga umntu osanda kukhangela imali. Ezinye izicwangciso zibandakanya ukukhwabanisa, ubuchule bokuthathela ulwazi kwikhadi lakho ngexesha lomsebenzi ophelisa ngomyalezo wephutha. Ukuba awuyikugqiba ukuthenga kwakho, cela uncedo ngokukhawuleza.
Kuya kubakho amaxesha apho ngaphandle kweemeko eziza kwenza amaqhinga a-ATM nzima. Kwakufuneka ndihlawule i-convent ehlala eRoma ngemali. Ndahamba ukusuka kwi-ATM ukuya kwi-ATM kuphela ukuba ndifumene bonke bengenanto. Isiteleka sebhanki sathintele ukuba oomatshini bazaliswe. Qaphela ukuba ungathembeki kwi-ATM.
Qiniseka ukuba uyazi uhlobo lwemali ephuma kumashini. Oku kungathi ngathi isiluleko esicacileyo, kodwa akusoloko icacile, ngokukodwa kwimida. Ngokomzekelo, eMexico, isimboli se-peso yi-$, ifana ne-US okanye i-dollar yaseDanari. Ukuba ucela i-$ 1,000 kwi pesos kodwa umatshini uhambisa i-dollar yase-US, unokuzifumanisa kwisiphumo esingalindelekanga.
Kukho oomatshini abachitha imali kwiinkonzo ezinkulu. Gwema amanani ajikelezayo kwiintengiselwano zakho ukuze umatshini uza kufuneka anikezele ubuncinci amancinci amancinane. Qaphela ukuba amaninzi amashishini amancinci ayithandi ukuthatha iindleko ezinkulu okanye aziphule.
Ekugqibeleni, ilizwi malunga neenqwelomoya ze-ATM. Abahambi bebhajethi bayazi ukuba imali yesikhumulo semeko yesikhuphelo yinto engalunganga . Kwiminyaka emininzi, bafumana i-ATM yebhanki yabo eyintandokazi kwisikhululo se-moya kwaye bafumana imali yabo yokuqala yokukhwela kwisixeko. Oku kutshintsha kwiindawo ezifana neLondon, apho ii-ATM zeBhanki zikhula kunqongophe kwiindawo zeenqwelo-moya. I-Travelex, enye inkampani enika i-exchange-counter-counter-counter exchange exchange, ngoku ifaka ii-ATM zeenqwelomoya ze-ATM ezithengisa iimali zokuguqula. Nangona kunjalo, abahambi baye bafumana isantya sokutshintshisiswa kwezi ATM zingadanisa.