Njengoba imali eningi kangaka igeleza kumakhasino, lezi zikhungo ziyizwe elilawulwa kakhulu ngaphakathi kwazo uma kukhulunywa ngokuphepha.
Enye yezindawo ezibaluleke kakhulu zokuphepha kwekhasino ukulawula ukhiye ongokoqobo ngoba lawa mathuluzi asetshenziselwa ukufinyelela kuzo zonke izindawo ezibucayi kakhulu nezivikelekile kakhulu, kufaka phakathi amakamelo okubala namabhokisi okulahla. Ngakho-ke, imithetho nemigomo ehlobene nokulawula ukhiye ibaluleke kakhulu ekugcineni ukulawula okuqinile, ngenkathi kunciphisa ukulahleka nokukhwabanisa.
Amakhasino asasebenzisa amalogi esandla ukulawula izihluthulelo asengozini engapheli. Le ndlela ivame ukuba nokungaqiniseki okuningi kwemvelo, njengeziginesha ezingacacile nezifundekayo, ama-ledger alimele noma alahlekile, kanye nezinqubo zokubhala ezithatha isikhathi eside. Okucasula kakhulu ukuthi amandla okuthola, ukuhlaziya nokuphenya izihluthulelo ezivela enanini elikhulu lamarejista aphezulu kakhulu, okubeka ingcindezi enkulu ekuhlolweni nasekulandeleni izihluthulelo, okwenza kube nzima ukwenza ukulandelela izihluthulelo ngokunembile ngenkathi kuthinta kabi ukuhambisana nemithetho.
Uma ukhetha ikhambi lokulawula nokuphatha elihlangabezana nezidingo zendawo yekhasino, kunezici ezibalulekile okufanele uzicabangele.
1. Indima Yemvume Yomsebenzisi
Izindima zemvume zinikeza abasebenzisi amalungelo okuphatha izindima amalungelo okuphatha kumamojula wesistimu kanye nokufinyelela kumamojula anqunyelwe. Ngakho-ke, kuyadingeka ngokuphelele ukwenza ngezifiso izinhlobo zezindima ezisebenza kakhulu ekhasino ebangeni eliphakathi lezimvume kokubili kubaphathi kanye nezindima zomsebenzisi ezivamile.
2. Ukuphathwa kwezihluthulelo okuhlanganisiwe
Ukuhlanganisa inani elikhulu lezihluthulelo ezibonakalayo, ezivalelwe kumakhabethe aqinile futhi aqinile ngokwemithetho enqunyiwe, kwenza ukuphathwa kwezihluthulelo kuhleleke futhi kubonakale ngokushesha.
3. Izihluthulelo Zokukhiya Ngayinye
Okhiye bekhabhinethi yomshini wemali, okhiye bomnyango womshini wemali, okhiye bekhabhinethi yohlamvu lwemali, okhiye bekhiyoski, okhiye bokuqukethwe kwebhokisi lohlamvu lwemali lokwamukela imali kanye nokhiye wokukhulula ibhokisi lohlamvu lwemali lokwamukela imali konke kukhiywe ngokwehlukana ohlelweni lokulawula ukhiye.
4. Izimvume Eziyinhloko zingalungiseka
Ukulawulwa kokufinyelela kungenye yezimangalo eziyisisekelo zokuphathwa kwezihluthulelo, futhi ukufinyelela okhiye abangagunyaziwe kuyindawo ebalulekile elawulwayo. Endaweni yekhasino, okhiye abahlukile noma amaqembu okhiye kufanele alungiselelwe. Esikhundleni sengubo "zonke okhiye zikhululekile ukufinyelela uma nje zingena endaweni evaliwe", umphathi unenkululeko yokugunyaza abasebenzisi ngokhiye ngabanye, abathize, futhi angalawula ngokuphelele "ubani onokufinyelela kukhiye bani". Isibonelo, abasebenzi abagunyaziwe kuphela ukulahla amabhokisi ezinhlamvu zemali abamukela imali abavunyelwe ukufinyelela okhiye bokukhulula ibhokisi lezinhlamvu zemali, futhi laba basebenzi bavinjelwe ukufinyelela kokubili okhiye bokuqukethwe kwebhokisi lezinhlamvu zemali abamukela imali kanye nokhiye bokukhulula ibhokisi lezinhlamvu zemali abamukela imali.
5. Isikhathi Esibalulekile Sokuchitha Isikhathi
Izikhiye ezingokoqobo kumele zisetshenziswe futhi zibuyiselwe ngesikhathi esihleliwe, futhi ekhasino sihlala silindele ukuthi abasebenzi babuyisele izikhiye abanazo ekupheleni kweshifti yabo futhi bavimbele ukususwa kwanoma yiziphi izikhiye ngezikhathi ezingezona ezoshifti, ngokuvamile ezihlotshaniswa namashejuli oshifti wabasebenzi, kuqedwe ukuba nezikhiye ngaphandle kwesikhathi esihleliwe.
6. Isenzakalo noma incazelo
Uma kwenzeka umcimbi onjengokuxinana komshini, impikiswano yamakhasimende, ukufuduka komshini noma ukulungiswa, umsebenzisi ngokuvamile kuzodingeka afake inothi elichazwe kusengaphambili kanye nokuphawula ngesandla kanye nencazelo yesimo ngaphambi kokususa okhiye. Njengoba kudingeka ngokomthetho, ngokuvakasha okungahleliwe, abasebenzisi kufanele banikeze incazelo eningiliziwe, kufaka phakathi isizathu noma injongo yokuvakasha.
7. Ubuchwepheshe Bokuhlonza Okuthuthukisiwe
Uhlelo lokuphatha izihluthulelo oluklanywe kahle kufanele lube nobuchwepheshe bokuhlonza obuthuthukisiwe njenge-biometrics/ukuskena kwe-retinal/ukuqashelwa kobuso, njll. (gwema i-PIN uma kungenzeka)
8. Izendlalelo eziningi zokuphepha
Ngaphambi kokufinyelela noma yiluphi ukhiye ohlelweni, umsebenzisi ngamunye kufanele abhekane okungenani nezingxenye ezimbili zokuphepha. Ukuhlonza i-biometric, i-PIN noma ukuswayipha ikhadi le-ID ukuze kutholakale iziqinisekiso zomsebenzisi akwanele ngokwehlukana. Ukuqinisekiswa kwezinto eziningi (i-MFA) kuyindlela yokuphepha edinga abasebenzisi ukuthi banikeze okungenani izici ezimbili zokuqinisekisa (okungukuthi iziqinisekiso zokungena ngemvume) ukuze bafakazele ubunikazi babo futhi bathole ukufinyelela endaweni ethile.
Inhloso ye-MFA ukuvimbela abasebenzisi abangagunyaziwe ukuthi bangene esikhungweni ngokungeza ungqimba olwengeziwe lokuqinisekisa enkambisweni yokulawula ukufinyelela. I-MFA ivumela amabhizinisi ukuthi aqaphe futhi asize ekuvikeleni ulwazi namanethiwekhi awo asengozini kakhulu. Isu elihle le-MFA lihlose ukulinganisela phakathi kolwazi lomsebenzisi kanye nokuphepha okwandisiwe emsebenzini.
I-MFA isebenzisa izinhlobo ezimbili noma ngaphezulu ezihlukene zokuqinisekisa, okuhlanganisa:
- Izinto Zolwazi. Lokho umsebenzisi akwaziyo (iphasiwedi nephasiwedi)
- Izinto Zokuba Nobunikazi. Lokho umsebenzisi anakho (ikhadi lokufinyelela, iphasikhodi kanye nedivayisi yeselula)
- Izinto Ezihlobene Nobuntu. Uyini umsebenzisi (i-biometrics)
I-MFA iletha izinzuzo eziningana ohlelweni lokufinyelela, okuhlanganisa ukuphepha okuthuthukisiwe kanye nokuhlangabezana nezindinganiso zokuthobela imithetho. Wonke umsebenzisi kufanele abhekane okungenani nezigaba ezimbili zokuphepha ngaphambi kokufinyelela kunoma iyiphi ikhiye.
9. Ukubusa Kwabantu Ababili noma Ukubusa Kwabantu Abathathu
Kumakhiya athile noma amasethi okhiye abucayi kakhulu, imithethonqubo yokuthobela imithetho ingadinga ukusayinwa kwabantu ababili noma abathathu, oyedwa evela eminyangweni emithathu ehlukene, ngokuvamile ilungu leqembu lokudonsa, umgcini wekheji kanye nesikhulu sezokuphepha. Umnyango wekhabhinethi akufanele uvuleke kuze kube yilapho uhlelo luqinisekisa ukuthi umsebenzisi unemvume yokhiye othize oceliwe.
Ngokwemithethonqubo Yemidlalo, ukugcinwa ngokoqobo kwezihluthulelo, okuhlanganisa neziphindwe kabili, okudingekayo ukuze kufinyelelwe kumakhabethe okulahla izinhlamvu zemali zomshini wokugembula kudinga ukubandakanyeka kwabasebenzi ababili, oyedwa wabo ozimele emnyangweni wesikhala. Ukugcinwa ngokoqobo kwezihluthulelo, okuhlanganisa neziphindwe kabili, okudingekayo ukuze kufinyelelwe okuqukethwe amabhokisi okulahla abamukeli bemali kudinga ukubandakanyeka ngokoqobo kwabasebenzi abavela eminyangweni emithathu ehlukene. Ngaphezu kwalokho, okungenani amalungu amathathu eqembu lokubala kudingeka abe khona lapho kukhishwa abamukeli bemali kanye negumbi lokubala izinhlamvu zemali kanye nezinye izihluthulelo zokubala futhi okungenani amalungu amathathu eqembu lokubala kudingeka ahambisane nezihluthulelo kuze kube yisikhathi sokubuya kwazo.
10. Umbiko Oyinhloko
Imithethonqubo yemidlalo idinga izinhlobo eziningi ezahlukene zokuhlolwa njalo ukuqinisekisa ukuthi ikhasino ihambisana ngokugcwele nemithethonqubo. Isibonelo, lapho abasebenzi besayina okhiye bebhokisi lokudlala letafula ngaphakathi noma ngaphandle, izidingo zeKhomishini Yezemidlalo yaseNevada zidinga ukugcinwa kwemibiko ehlukile ekhombisa usuku, isikhathi, inombolo yomdlalo wetafula, isizathu sokufinyelela, kanye nesiginesha noma isiginesha kagesi.
“Isiginesha ye-elekthronikhi” ihlanganisa i-PIN noma ikhadi lesisebenzi elihlukile, noma ukuhlonza kwe-biometric yesisebenzi okuqinisekisiwe nokuqoshwa ngohlelo lokuphepha lwezikhiye olusebenzisa ikhompyutha. Uhlelo lokuphatha izikhiye kufanele lube nesofthiwe yangokwezifiso evumela umsebenzisi ukusetha zonke lezi zinhlobo zemibiko kanye nezinye izinhlobo eziningi. Uhlelo lokubika oluqinile luzosiza kakhulu ibhizinisi ukulandelela nokuthuthukisa izinqubo, ukuqinisekisa ukwethembeka kwabasebenzi kanye nokunciphisa izingozi zokuphepha.
11. Ama-imeyili Esaziso
Umsebenzi we-imeyili yesexwayiso kanye nokuthumela imiyalezo yezinhlelo zokulawula ukhiye unikeza abaphathi izaziso ezifika ngesikhathi nganoma yisiphi isenzo esifakwe ohlelweni kusengaphambili. Izinhlelo zokulawula ukhiye ezifaka lo msebenzi zingathumela ama-imeyili kubamukeli abathile. Ama-imeyili angathunyelwa ngokuphephile kusuka kusevisi ye-imeyili yangaphandle noma ephethwe yiwebhu. Izitembu zesikhathi ziqondile kuze kube sesibili futhi ama-imeyili asunduzelwa kuseva futhi alethwe ngokushesha, enikeza ulwazi olunembile olungasetshenziswa ngempumelelo nangokushesha. Isibonelo, ukhiye webhokisi lemali ungahlelwa kusengaphambili ukuze abaphathi bathunyelwe isexwayiso lapho lesi sikhiye sisuswa. Umuntu ozama ukuphuma esakhiweni ngaphandle kokubuyisela ukhiye kwikhabhinethi yokhiye anganqatshelwa ukuphuma ngekhadi lakhe lokufinyelela, okubangela isexwayiso sokuphepha.
12. Ukulula
Kuwusizo kubasebenzisi abagunyaziwe ukufinyelela ngokushesha okhiye abathile noma amasethi okhiye. Ngokukhishwa kokhiye okusheshayo, abasebenzisi bamane bafake iziqinisekiso zabo bese uhlelo luzokwazi ukuthi sebevele benokhiye othize futhi uhlelo luzovula ukuze lusetshenziswe ngokushesha. Ukubuyisela okhiye kushesha futhi kulula. Lokhu kusindisa isikhathi, kunciphisa ukuqeqeshwa futhi kugwema noma yiziphi izithiyo zolimi.
13. Okunwebekayo
Kufanele futhi ibe yi-modular futhi ikwazi ukulinganiswa, ukuze inani lezihluthulelo kanye nobubanzi bemisebenzi kungashintsha futhi kukhule njengoba ibhizinisi lishintsha.
14. Amandla Okuhlanganisa Nezinhlelo Ezikhona
Izinhlelo ezihlanganisiwe zingasiza ithimba lakho ukuthi lisebenze kuhlelo lokusebenza olulodwa kuphela ukuze linciphise ukushintsha ukuze kwandiswe umkhiqizo. Gcina umthombo owodwa wedatha ngokwenza idatha igeleze kalula isuka ohlelweni olulodwa iye kolunye. Ikakhulukazi, ukusetha abasebenzisi namalungelo okufinyelela kuyashesha futhi kulula uma kuhlanganiswa nezizindalwazi ezikhona. Ngokubiza, ukuhlanganiswa kwesistimu kunciphisa izindleko ukuze kongiwe isikhathi futhi kuphinde kutshalwe imali kwezinye izindawo ezibalulekile zebhizinisi.
15. Kulula ukuyisebenzisa
Okokugcina, kufanele kube lula ukuyisebenzisa, njengoba isikhathi sokuqeqesha singabiza kakhulu futhi abasebenzi abaningi abahlukene kuzodingeka bakwazi ukufinyelela ohlelweni.
Ngokukhumbula lezi zinto, ikhasino ingaphatha uhlelo lwayo lokulawula ukhiye ngokuhlakanipha.
Isikhathi sokuthunyelwe: Juni-19-2023