Abantu baseNingizimu Afrika balahlekelwa u-R1.88 billion ngenxa yokukhwabanisa emabhange nge-inthanethi ngo-2024, kanti amaphesenti angu-83 ezikhalazo ezisemthethweni axazululwe ngokuvuna ibhange.

Kodwa kukhona imithetho ekunika ilungelo lokuphonsela inselelo isinqumo sebhange lakho. Abantu abaningi abazi ukuthi le mithetho ikhona.

Uma kukhona okweba kwemali kwi-akhawunti yakho yasebhange, uyazi ukuthi impendulo yebhange iba njani. Ifika ngemva kwesonto noma amabili. Ithi ukuthengiselana kwenzeke ngendlela ejwayelekile, kusetshenziswe idivayisi eyaziwayo, nokuthi ibhange alinacala. Icala livaliwe.

Lokho ibhange elingakutsheli khona wukuthi izinhlelo zalo zokuthola ukukhwabanisa zithole ini ngempela. Yiziphi izixwayiso ezifikile. Yini eyabonakala kodwa yabe isinganakwa.

Ukuthi kungani kuvunyelwe ukuthi ukuthengiselana kwenzeke. Ibhange linayo yonke leyo mininingwane.

Wena uthola impendulo yokugcina kuphela.

Ngonyaka odlule, izikhalazo ezimayelana namabhange zenyuke ngamaphesenti angu-31. Ezimweni ezingamaphesenti angu-83, kwemukelwe uhlangothi lwebhange. Isinqumo esisodwa kuphela esisemthethweni esaphuma ngokumelene nebhange unyaka wonke.

Kodwa lokho akusho ukuthi awusenazo ezinye izindlela ongazithatha.

Imithetho emibili yaseNingizimu Afrika ikunika ilungelo lokufuna imininingwane ibhange eliyisebenzisile ukwenza isinqumo salo.

Eyokuqala ibizwa ngokuthi i-Promotion of Access to Information Act, noma i-PAIA. Lo mthetho uthi ungacela noma iyiphi inkampani ukuthi ikunikeze amarekhodi uma uwadinga ukuze uzivikele. Uma ibhange linqabe isimangalo sakho sokukhwabanisa, unelungelo lokubona ngqo ukuthi lisisekele kuphi leso sinqumo.

Eyesibili yi-Protection of Personal Information Act, noma i-POPIA. Lo mthetho uthi unelungelo lokubona noma iyiphi imininingwane kwinkampani enayo ngawe, okuhlanganisa amarekhodi okuthengiselana kwakho, idivayisi yakho, kanye nendlela ongene ngayo ohlelweni (login).

Sebenzisa yomibili le mithetho ndawonye. Thumela izicelo zakho ngesikhathi esifanayo nesikhalazo sakho esisemthethweni, hhayi ngemva kokuba ibhange selivele lenqabile.

Uma ufaka isicelo sakho, cela lezi zinto ngqo:

Amarekhodi okungena ohlelweni (login) kanye nokuthengiselana kosuku okwenzeke ngalo ukukhwabanisa, okuhlanganisa ukuthi iyiphi idivayisi esetshenzisiwe, ukuthi ixhunywe kuphi, nokuthi ngabe kuthunyelwe i-PIN esetshenziswa kanye kuphela (one-time PIN). Uma ibhange lithi kusetshenziswe idivayisi eyaziwayo, leso yisinqumo sabo nje. Cela ukubona irekhodi langempela.

Amarekhodi okuxwayisa ngokukhwabanisa abonisa lokho izinhlelo zebhange ezikuphawulile, nokuthi ibhange lenzeni ngakho noma elingakwenzanga.

Amarekhodi anoma yiziphi izingcingo noma imiyalezo ibhange elikuthumelele yona ngesikhathi sokukhwabanisa, nokuthi kwenzekani ngemva kwalokho okungaphendulwanga.

Inombolo ye-akhawunti kanye nemininingwane yasebhange yokuthi imali yakho yaphelelaphi. Amabhange avame ukwenqaba ukunikeza lokhu, kodwa i-PAIA ithi kumele, futhi uyayidinga ukuze uvule icala lamaphoyisa futhi ucele ukumiswa kwe-akhawunti.

Uma nje uthola ulwazi ngalobu bugebengu bokukhwabanisa, shayela ibhange lakho ucele ukuba livimbe i-akhawunti okuthunyelwe kuyo imali yakho. Cela ukuba bathintane nalelo bhange ngokushesha. Bhala phansi igama lomuntu okhulume naye kanye nesikhathi esiqondile. Cela ubufakazi obubhaliwe. Isivinini ibhange elithatha ngaso izinyathelo ngemuva kocingo lwakho singaba nomthelela kamuva.

Iya emaphoyiseni ngokushesha uyothola inombolo yecala. Uzoyidinga le nombolo kukho konke okunye okuzolandela.

Faka isikhalazo esisemthethweni esibhaliwe ebhange lakho. Gcina irekhodi lazo zonke izingcingo ozenzayo, bonke abantu okhuluma nabo, kanye nazo zonke izikhathi lapho kungekho muntu obuyela kuwe.

Uma kudlula amasonto ayisithupha ungatholi mpendulo noma usizo, yisa isikhalazo sakho ku-National Financial Ombud. Le yinsizakalo yamahhala ebhekana nezikhalazo ezimayelana namabhange.

Ungaphinde ubike udaba lwakho ku-Financial Sector Conduct Authority uma uzwa sengathi ibhange liphathe isikhalazo sakho ngendlela engalungile noma izinhlelo zalo bezingasebenzi kahle.

Ingabe udinga usizo lokuqonda amalungelo akho njengekhasimende lasebhange? Buza u-Siza Khula. Umsizi wezezimali osebenzisa ubuchwepheshe be-AI wakwa-Scrolla. Ngeke usebenzise idatha yakho eningi. Yizame lapha.

Lesi sihloko sithathwe embhalweni ka-Dirk de Vos no-Patrick Le Roux, oshicilelwe okokuqala ku-Currency.