Kwabokufika noma abangebona izakhamuzi, ezinye izinqubo kudingeka ukuthi uvule i-akhawunti yasebhange eFrance. Ukuze ufunde kabanzi mayelana namabhange angcono kakhulu nezinqubo, bheka isihloko sethu.
Ngingakwazi ukuvula i-akhawunti yasebhange phesheya? Imaphi amabhange amukela abantu abangebona izakhamuzi? Yimiphi imibhalo abantu bangaphandle abayidingayo ukuze bavule i-akhawunti yasebhange? Abezizwe futhi abangebona abahlali bangacela ukuvulwa kwe-akhawunti yasebhange? Ngingasonga kanjani isikhathi? Kwenzekani uma isicelo sami sinqatshwa?
Lesi sigaba sichaza ukuthi ungayivula kanjani i-akhawunti yasebhange e-France uma ungeyena umhlali.
1 Thola ibhange elamukela abantu bakwamanye amazwe.
Uma ufuna ibhange elamukela abantu okungezona izakhamuzi, bona i-Boursorama Banque, N26 kanye ne-Revolut. Kunamacala amabili: uma ungesona isakhamuzi saseFrance noma uma uyisakhamuzi saseFrance. Uma useFrance isikhathi esingaphansi konyaka, isibonelo njengomfundi noma isihambi, ungavula i-akhawunti phesheya ngebhange eliphathwayo. Ukuvula i-akhawunti ebhange eliku-inthanethi noma lendabuko, kufanele ulinde unyaka.
2 Ukudluliswa kwedatha yomuntu siqu
Ukuze uvule i-akhawunti yasebhange phesheya, udinga ukugcwalisa ifomu elithatha cishe imizuzu emihlanu. Ulwazi oludingekayo lujwayelekile. Uzocelwa ulwazi lomuntu siqu mayelana nomnikelo owukhethile (inombolo kamazisi, usuku lokuzalwa, izwe kanye nesifunda), kanye nemininingwane yakho yokuxhumana kanye neshidi lemininingwane emfushane. Ungabuka futhi usayine inkontileka eqediwe ku-inthanethi.
Isikhathi esidingekayo ukuze ugcwalise ifomu eliku-inthanethi ukuze uvule i-akhawunti phesheya sincike ebhange olikhethayo: amabhange aku-inthanethi namaselula anjenge-Nickel, Revolut noma amafomu okunikezwayo e-N26 angagcwaliswa ngokushesha okukhulu. Lokhu kusebenza futhi nasemabhange endabuko, njenge-HSBC.
3 Kubantu okungezona izakhamuzi abavula i-akhawunti yasebhange, imibhalo elandelayo iyadingeka.
– Ipasipoti noma umazisi
– Irisidi yokuqasha noma obunye ubufakazi bekheli
- Isibonelo sesiginesha
– Imvume yakho yokuhlala uma ukhathazekile
Kulokhu, isikhathi esidingekayo sokuqinisekisa ngemva kokudluliselwa sincike ebhange elikhethiwe. Ngokwesilinganiso, kuthatha izinsuku ezinhlanu, kodwa ngokubhanga ngeselula, njengo-N26, kufanele ulinde amahora angu-48 kuphela ukuze ungene ku-akhawunti yakho yasebhange futhi ube ne-RIB. Nge-Nickel, ishesha kakhulu, nama-akhawunti adalwa cishe ngokushesha.
4 Faka imali yakho yokuqala.
Idiphozithi encane iyadingeka ukuze uvule i-akhawunti yomuntu ongeyena umhlali, okuhlanganisa isiqinisekiso sebhange sokuthi i-akhawunti izosetshenziswa ngempela. Amanye amabhange aphinde akhokhise imali yokungasebenzi, okufanele ikhokhwe lapho kuvulwa idiphozithi. Idiphozithi encane iyahlukahluka ebhange nebhange, kodwa ngokuvamile iba ngama-euro ayi-10 kuye kwangama-20.
Njengoba ukuvula i-akhawunti yasebhange kubantu bakwamanye amazwe kuhlale kumahhala, amabhange awakhokhisi idiphozithi yokuqala. Ngokwesilinganiso, imali idluliselwa phakathi kwezinsuku ezinhlanu zebhizinisi. Uma ikhadi selicushiwe, ukukhokha nokuhoxiswa kungenziwa.
Ayini amabhange amakhulu aku-inthanethi?
BforBank: ibhange ngokusho kwabo
I-BforBank iyingxenye ye-Crédit Agricole edalwe ngo-Okthoba 2009. Njengamanje inamakhasimende angaphezu kuka-180 futhi ingenye yezinto ezisindayo zokubhanga nge-inthanethi. Ihlinzeka ngemikhiqizo namasevisi anhlobonhlobo, okuhlanganisa ama-akhawunti asebhange, imikhiqizo yokonga evamile, imalimboleko yomuntu siqu, imali ebolekiwe kanye nezinsizakalo zomuntu siqu. Ingasaphathwa, ikhadi ledebhithi kanye nendawo yokubolekwa kwemali, kokubili kumahhala. Ungakwazi futhi ukukhipha amasheke edijithali.
I-Bousorama Banque: ibhange esifuna ukulincoma
I-Boursorama Banque ingelinye lamabhange amadala ku-inthanethi, inkampani ephethwe yi-Société Générale, ephethe u-100% selokhu yathathwa yi-CAIXABANK. Yasungulwa ngo-1995, ekuqaleni yayigxile ekuhwebeni kwemali ye-inthanethi. Kwathi ngo-2006, yenza uguquko lwamasu futhi yandisa ukunikezwa kwayo kuma-akhawunti amanje. Namuhla, i-Boursorama Banque inikeza izikweletu, umshwalense wempilo, ama-akhawunti okonga, imali yangaphandle kanye nokubhanga nge-inthanethi. Ikhadi lasebhange kanye nokuhlola ibhalansi kunikezwa mahhala. Ukufinyelela okuqondile ezikweletini kuyatholakala ku-inthanethi kanye nezinkokhelo zamaselula. Ngaphandle kokukhohlwa, lapha futhi, ukulethwa kwesheke ledijithali. Ukubhanga nge-inthanethi kuhloswe ukuthi kufinyelele amakhasimende ayizigidi ezi-4 ngo-2023.
I-Fortuneo Banque: ibhange elilula nelisebenza kahle
I-Fortuneo, inkampani yezinkokhelo zamaselula, yasungulwa ngo-2000 futhi yatholwa yi-Crédit Mutuel Arkéa ngo-2009, eyahlanganiswa ne-Symphonis ukuze ibe yibhange. Ngaphambi kwalokho, ubesebenza ngokukhethekile ekuhwebeni kwesitoko nesikhwama. I-Fortuneo manje isinikeza zonke izinsiza ezihlinzekwa amabhange amakhulu, okuhlanganisa nezindlu ezibolekiwe, umshwalense wempilo, ukonga ngisho nomshwalense wemoto. Ngo-2018, i-Fortuneo yaba yibhange lokuqala lase-French le-e-bank ukwethula izinkokhelo ngaphandle kokuthinta.
Yilona lodwa ibhange eliku-inthanethi elinikezela ngekhadi le-MasterCard World Elite mahhala, kodwa hhayi kuphela. I-overdraft ngokusobala itholakala mahhala.
HelloBank: ibhange ezandleni zakho
Izinkokhelo zamaselula ze-Hello Bank zaqalwa ngo-2013 ngokwesekwa inethiwekhi yamabhange evamile ye-BNP Paribas ukuheha inani eliphezulu lamakhasimende. Yonke imikhiqizo namasevisi e-BNP Paribas ayatholakala kumakhasimende e-Allo Bank emhlabeni jikelele. Ngakho-ke, i-Hello Bank inikeza amakhasimende ayo ukufinyelela kunethiwekhi yama-ATM angaba ngu-52 emazweni angu-000. Ibhange likhona eJalimane, eBelgium, e-Austria, eFrance nase-Italy futhi linikeza izinsiza eziningi zebhange. Ukuthumela isheke egatsheni nekhadi ledebithi lamahhala kuyatholakala.
I-MonaBank: ibhange elibeka abantu phambili
I-Monabank iyingxenye yeqembu le-Crédit Mutuel, elaziwa ngesiqubulo salo esithi "People before money", eyasungulwa ngo-2006. Kusukela ngo-December 2017, iMonabank yayinamakhasimende acishe abe ngu-310. I-Monabank ukuphela kwebhange eliku-inthanethi elinganikezi amakhadi edebithi amahhala. Ikhadi le-Visa elijwayelekile libiza u-€000 ngenyanga kanti ikhadi le-Visa Premier libiza u-€2 ngenyanga. Ngakolunye uhlangothi, ukuhoxiswa kwemali kumahhala futhi akunamkhawulo kuyo yonke indawo ye-euro.
I-Monabank ayinazo izidingo zeholo futhi iwine umklomelo Wesevisi Yekhasimende Yonyaka izikhathi eziningi zilandelana.
N26: ibhange ozolithanda
I-N26 inelayisensi yasebhange yaseYurophu, okusho ukuthi ama-akhawunti ayo okuhlola angaphansi kweziqinisekiso ezifanayo nezikhungo zezikweletu ezasungulwa e-France. Umehluko kuphela ukuthi inombolo ye-akhawunti ye-IBAN iyafana neyebhange laseJalimane. Le akhawunti yabantu abadala ingavulwa futhi iphathwe kuphela ngohlelo lokusebenza lweselula lwebhange, futhi azikho izidingo zeholo noma zokuhlala.
I-akhawunti ye-N26 iyasebenzisana nokudluliswa kwemali ebhange, okuhlanganisa nokudonswa kwemali okuqondile. Ukudluliselwa kwe-MoneyBeam phakathi kwabasebenzisi be-N26 nakho kungenzeka ngenombolo yocingo yomamukeli noma ikheli le-imeyili. I-Ovadrafti, ukheshi namasheke akutholakali kubasebenzisi base-French. Nokho, uma uxhasa ngezimali iphrojekthi noma uqalisa, ungathola kufika ku-€50 emalimboleko ye-N000.
I-Nickel: i-akhawunti yawo wonke umuntu
I-Nickel yethulwa ngo-2014 yi-Financière des Payments Electroniques futhi ibiphethwe yi-BNP Paribas kusukela ngo-2017. I-Nickel yaqala ukusatshalaliswa kumagwayi angu-5. Amakhasimende angathenga ikhadi lokulondoloza i-Nickel futhi avule i-akhawunti ngaso leso sikhathi. Namuhla, i-Nickel isiphenduke intando yeningi futhi inikeza izinsizakalo zebhange ezilula kuwo wonke umuntu. Ama-akhawunti e-nickel angavulwa ngalo lolo suku, ngaphandle kwemibandela yobulungu noma izimali ezifihliwe, ngogwayi noma ku-inthanethi ngaphansi kwemizuzu emihlanu.
I-Orange Bank: ibhange lisungulwe kabusha
Eyethulwe ngoNovemba 2017, ibhange elisha ku-inthanethi, i-Orange Bank, selivele linomthelela omkhulu. Eminyakeni emine selokhu yethulwa, ibhange le-e-lecom lizuze amakhasimende alinganiselwa ezigidini eziyi-1,6. Ekuqaleni inikezela ngama-akhawunti amanje kuphela, i-Orange Bank manje isinikezela ngama-akhawunti okonga nemalimboleko yomuntu siqu. I-Orange Bank inesikhundla esiyingqayizivele phakathi kokubhanga nge-inthanethi nokubhanga ngeselula. Isibonelo, amakhadi e-Orange Bank angenziwa enziwe aba ngokwakho ngokugcwele kusuka kuhlelo lokusebenza. Ukuguqulwa kwemikhawulo, ukuvinjwa/ukuvula, ukuqalisa/ukuvalwa kokukhokha ku-inthanethi nokungaxhunywanga, njll. I-Orange Bank yaba ngowokuqala ukudala "umnikelo womndeni". I-Orange Bank Family: ngale phakheji, uzuza kokunikezwayo okwengeziwe kwamakhadi ezingane amahlanu ngo-€9,99 kuphela ngenyanga.
I-Revolut: ibhange elihlakaniphile
I-Revolut isuselwe kubuchwepheshe bezezimali beselula obungu-100%, ukuze amakhasimende akwazi ukuphatha ama-akhawunti awo nokubhanga kuphela ngohlelo lokusebenza lwe-Revolut. Inkampani inikeza izinsizakalo ezine. Isevisi ejwayelekile imahhala ngokuphelele futhi ibiza u-€2,99 ngenyanga.
Abanikazi be-akhawunti ye-Revolut bangasebenzisa uhlelo lokusebenza lweselula ukudlulisa izimali kuma-akhawunti abo futhi benze yonke imisebenzi yasebhange kusukela lapho. Isibonelo, ungenza ukuthengiselana ngemali, ukudluliselwa ebhange, ama-oda emali kanye nokudonswa kwemali okuqondile.
Kodwa-ke, umnikazi we-akhawunti akakwazi ukwenza izinkokhelo ezeqa inani eliphelele lemali efakwe ku-akhawunti. Konke kusebenza ngale ndlela, umnikazi we-akhawunti kufanele aqale agcwalise i-akhawunti bese ekhokha ngokudlulisela ebhange noma ngekhadi lesikweletu.
Ikhadi lasebhange lisetshenziselwa ini?
Ikhadi lasebhange (njengamasheke) liyindlela yokukhokha exhunywe ku-akhawunti yamanje (eyomuntu siqu noma ehlanganyelwe) futhi, njengamasheke, iyindlela yokukhokha evame kakhulu e-France. Angasetshenziselwa ukuthenga ngokuqondile ezitolo noma ku-inthanethi kanye nokukhipha imali kuma-ATM noma amabhange.
Amakhadi edebithi angakhishwa amabhange nezinye izikhungo zezikweletu. Angase futhi afake amanye amasevisi afana nomshwalense noma amasevisi okubhuka.
Izinhlobo ezahlukene zamakhadi okukhokha kanye nezimo zawo zokusebenzisa.
— Amakhadi asebhange okuhoxiswa: Leli khadi likuvumela ukuthi ukhiphe imali kuma-ATM akunethiwekhi yebhange noma kuma-ATM akwamanye amanethiwekhi.
— Amakhadi asebhange okukhokha: Lawa makhadi akuvumela ukuthi ukhiphe imali futhi uthenge ku-inthanethi noma ezitolo.
— Amakhadi okuthenga ngesikweletu: Esikhundleni sokukhokha ukheshi nge-akhawunti yakho yasebhange, usayina inkontileka yokuvuselela nomuntu okhipha ikhadi lesikweletu futhi ukhokhe inzalo engaguquki ngokuvumelana nemibandela yenkontileka.
— Amakhadi akhokhelwa ngaphambili: Lawa amakhadi akuvumela ukuthi ukhiphe inani elilinganiselwe lesikweletu esikhokhelwa kuqala.
- Ikhadi lesevisi: lingasetshenziswa kuphela ukukhokhela izindleko zebhizinisi ezikhokhiswa ku-akhawunti yesevisi.
I-debit card.
Yikhadi lokukhokha elivame kakhulu eFrance. Kunezinhlobo eziningana ezahlukene.
- Amakhadi ajwayelekile njengeVisa Classic ne-MasterCard Classic.
- Amakhadi e-Premium njengeVisa Premier kanye ne-MasterCard Gold.
- Amakhadi e-Premium njengeVisa Infinite ne-MasterCard World Elite.
Lawa makhadi ahlukaniswa ngendlela asetshenziswa ngayo ukukhokha nokuhoxiswa, umshwalense kanye nokufinyelela kwezinye izinsiza zamahhala noma ezikhokhelwayo. Uma intengo yekhadi iphezulu, ihlinzeka ngamasevisi nezinzuzo ezengeziwe.
Amakhadi edebithi ahluke kanjani?
Ngekhadi ledebithi, ungakhetha ukukhokha konke ngesikhathi esisodwa noma uhlehlise inkokhelo. Uyini umehluko phakathi kwakho kokubili?
Ikhadi lasebhange elisheshayo lidonsa inani lemali ku-akhawunti yakho ngokushesha nje lapho ibhange lazisiwe ngokukhipha imali noma ngenkokhelo, okungukuthi zingakapheli izinsuku ezimbili noma ezintathu. Ngekhadi ledebithi elihlehliswayo, izinkokhelo zithathwa kuphela ngosuku lokugcina lwenyanga. Owokuqala ishibhile futhi kulula ukuwusebenzisa, kuyilapho okugcina ngokuvamile kubiza kakhulu, kodwa kuyavumelana nezimo.
Ukuze uthole ukuvikeleka okwengeziwe, ungaphinda ukhethe ikhadi elidinga ukugunyazwa yisistimu. Ngaphambi kokuvumela inkokhelo noma imbuyiselo, ibhange liyahlola ukuthi inani okufanele lidonswe liku-akhawunti yakho yamanje. Uma kungenjalo, umsebenzi uzonqatshwa.
Ungalisebenzisa kanjani ikhadi lakhe?
Uma ufuna ukusebenzisa ikhadi lakho lokukhokha ukuze ukhiphe imali noma ukhokhe ezitolo, mane ufake ikhodi eyimfihlo oyinikezwe lapho ukhipha ikhadi lakho lasebhange. Izinkokhelo ezingaxhunywanga zama-euro angama-20 kuye kwangama-30 nazo ziyatholakala, kodwa akuzona zonke izindawo zokukhokha ezifakwe lobu buchwepheshe.
Ukuze usebenzise ikhadi lasebhange ukukhokha nge-elekthronikhi, udinga ukwazi inombolo engaphambili ekhadini kanye nekhodi yokubuka enezinhlamvu ezintathu. Kungakhathaliseki ukuthi leli khadi ulinikezwa yibhange elivamile noma ku-inthanethi, kuyinto efanayo.
Liyini isheke likagesi?
Isheke likagesi, elaziwa nangokuthi i-e-cheque, liyithuluzi elivumela okhokhayo ukuthi adonse imali ku-akhawunti yasebhange yokhokhelwayo ngaphandle kokusebenzisa isheke langempela. Kuye ngesimo, lokhu kunenzuzo kubo bobabili okhokhayo nomamukeli. Banganciphisa kakhulu isikhathi sokucubungula inkokhelo.
Izimiso zokusebenza kokuhlolwa kwe-inthanethi
Nakuba abantu abaningi bengazi ukuthi kwenziwa kanjani ukuhlola ngogesi, empeleni kuyinqubo elula kakhulu. Izinto ezine zibaluleke kakhulu lapho kukhishwa isheke likagesi:
Okokuqala: inombolo ye-serial, ekhomba ibhange lapho isheke lidonswa khona okwesibili: inombolo ye-akhawunti, ekhomba i-akhawunti lapho isheke lidonswa khona okwesithathu: inani lokucatshangelwa, elimelela inani lesheke.
okwesine: usuku olunqunyiwe kanye nesikhathi sesheke.
Olunye ulwazi olunjengosuku lokukhishwa, igama nekheli lomphathi we-akhawunti kungase kuvele eshekeni, kodwa akuphoqelekile.
Lolu lwazi olubalulekile lugcinwa futhi lucutshungulwe lapho inkokhelo yesheke ye-elekthronikhi inikwe amandla. Ibhange lomhlomuli ngokuvamile lithinta ibhange lomkhokhi futhi limnikeze ulwazi oludingekayo. Uma ibhange lomhlomuli lanelisekile ngalesi sikhathi ukuthi umsebenzi awukho umkhonyovu nokuthi kunemali eyanele ku-akhawunti, lizogunyaza umsebenzi. Ngemva kokukhokha, ohlomulayo angagcina inombolo ye-akhawunti kanye nenombolo yomzila ukuze ayisebenzise kamuva noma asuse lolu lwazi.
Ukunwetshwa kokusetshenziswa kwamasheke e-inthanethi kagesi
Ukuhlolwa kwe-elekthronikhi kuya ngokuya kuduma, ikakhulukazi njengoba abathengi bejwayela izinkokhelo ezisheshayo nezisheshayo ezinikezwa abathengisi. Bathandwa ngabakweletayo ngoba bangathola imali ngokushesha kakhulu kunezindlela zendabuko. Ngokwesiko, abakweletwayo kwakudingeka bathumele amasheke omuntu siqu esikhungweni sokucubungula lapho ayekhishwa khona imali futhi afakwe nekhredithi. Ngemva kwalokho zingabuyiselwa ebhange lomamukeli, okungase kuthathe isonto noma ngaphezulu.
Abathengisi baya ngokuya besebenzisa amasheke kagesi futhi banikeza amakhasimende abo ezinye izindlela zokukhokha. Esikhathini esedlule, abathengisi bebehlale bezifaka engozini ngokwamukela amasheke. Kwezinye izimo, abathengisi bayeka ukwamukela amasheke omuntu siqu ngoba bebheka ingozi njengephezulu kakhulu. Ngokucubungula isheke le-elekthronikhi, abathengisi bazi ngokushesha ukuthi ikhona yini imali eyanele ku-akhawunti yabo ukuze baqedele umsebenzi.
Ingabe ukubhanga nge-inthanethi kuphephe ngempela?
Amabhange aku-inthanethi kufanele ahlangabezane nezimfuneko zokuphepha ezifanayo namabhange endabuko. Ukwengeza, iqiniso lokuthi amabhange amaningi aku-inthanethi axhumeke ngokuqondile noma ngokungaqondile kumabhange endabuko nakho kukhulisa ukuzethemba kwabathengi kulezi zikhungo.
Ngakho-ke akudingeki ukhathazeke ngeziqinisekiso zediphozithi noma ukwethembeka kokubhanga ku-inthanethi. Eqinisweni, lezi yizingozi ezibhekene namabhange. Kungakhathaliseki ukuthi ku-inthanethi noma ngokwesiko.
Ingozi enkulu ivela ekwebiweni kwe-inthanethi nezindlela ezahlukene ezisetshenziswa enethini ukweba imali yakho.
Kungani kubalulekile ukuqaphela ngokubhanga nge-inthanethi?
Ngokubhanga ku-inthanethi, ukuthengiselana okuningi kwenzeka kuwebhu. Ngakho-ke enye yezingozi ezinkulu ukwebiwa kolwazi. Yingakho amabhange aku-inthanethi egxila ekuvimbeleni ubugebengu be-inthanethi. Ukwethenjwa kwamakhasimende futhi ekugcineni ukusinda kwamabhizinisi emkhakheni kusengcupheni.
Izinyathelo zokuphepha ku-inthanethi zifaka phakathi, phakathi kokunye:
- ukubethela kwedatha: idatha eshintshiwe phakathi kwamaseva ebhange kanye nekhompiyutha yeklayenti noma umakhalekhukhwini ivikelwe umthetho olandelwayo we-SSL (Isendlalelo Sezikhoxe Ezivikelekile, esimelelwa u-"S" ojwayelekile ekugcineni kwekhodi ye-HTTPS nangaphambi kwe-URL).
– Ukuqinisekiswa kwekhasimende: inhloso ukuvikela idatha egcinwe kumaseva ebhange. Lena inhloso ye-European Payment Services Directive (PSD2), edinga ukuthi amabhange asebenzise “izindlela zokuqinisekisa eziqinile” ezimbili: amakhadi okukhokha aqukethe idatha yomuntu siqu namakhodi atholwe nge-SMS (noma amasistimu e-biometric afana nokuqashelwa kobuso noma izigxivizo zeminwe).
Ngaphezu kwezinyathelo zayo zokuphepha, amabhange avame ukukhumbuza amakhasimende awo. Izindlela ezisetshenziswa abaduni nendlela yokuqapha kubo.
Ezinye izindlela ezisetshenziswa izigebengu ze-inthanethi
– Ubugebengu bokweba imininingwane ebucayi: lawa ama-imeyili lapho umuntu enza sengathi ukhulumela ibhange lakho. Ikubuza imininingwane yakho yasebhange ngezizathu ezingelona iqiniso nezidukisayo ibhange elingeke lazibuza. Ukuze uthole ukuthula kwengqondo, thintana nomeluleki wakho webhange ngokushesha ukuze uthole ulwazi olwengeziwe. Ungalokothi uthumele imininingwane yakho yasebhange kunoma ubani.
- Ukwenza imali: uma ukholwa ukuthi uxhumeka ebhange lakho. Udlulisela wonke amakhodi akho okufinyelela ngokuxhuma kusayithi elingumgunyathi. Faka isofthiwe yokulwa namagciwane futhi uyibuyekeze njalo.
– Keylogging: okusekelwe spyware efakwe kukhompuyutha ngaphandle kolwazi lomsebenzisi futhi ukurekhoda imisebenzi yabo. Faka futhi ubuyekeze njalo isofthiwe yokulwa namagciwane ukuze uvimbele idatha yakho ukuthi iye kunethiwekhi yabashushumbisi. Ungaphenduli futhi ususe ama-imeyili angalungile (isb. lawo avela kumthumeli ongaziwa, anamaphutha esipelingi noma ohlelo lolimi, izinkinga zokubhala amakhodi).
Yebo kuhle futhi ukuthi uxhume ku-inthanethi ngokuzibophezela nangobuhlakani. Gwema ukungena ngemvume ezindaweni ezisengozini (isb., amanethiwekhi omphakathi e-Wi-Fi). Ukushintsha njalo amakhodi akho okufinyelela nokukhetha amagama ayimfihlo aqinile kuzokongela izinkinga eziningi.
