📱 2022-09-10 02:45:03 - Paris/France.
Ukukhutshwa okuzayo kwe-iOS 16 ye-iPhone - eya kuthi isasazeke kuzo zonke ii-iPhones ezihambelanayo ngoMvulo, nge-12 kaSeptemba - iya kongeza into entsha "yokuthenga ngoku, uhlawule kamva" kwi-Apple Pay, usetyenziso lwentlawulo yeselula ye-iPhone. Iinkonzo ze-BNPL zikuvumela ukuba uhlawule ukuthenga kwakho ngokusasaza iindleko kwixesha elifutshane ngaphandle kwenzala okanye iintlawulo.
I-Apple Pay iza ne-Apple Wallet, i-app ye-wallet yedijithali ye-iPhone ekwaquka i-Apple Card kunye ne-Apple Cash. I-Apple Pay ikuvumela ukuba ugcine nge-elektroniki amakhadi akho ebhanki kunye nekhredithi kwaye uthenge kwi-intanethi okanye kwiivenkile eziphathekayo; I-Apple Card yikhadi lekhredithi yedijithali ekhutshwe yi-MasterCard kunye ne-Goldman Sachs; kunye ne-Apple Cash yinkonzo yentlawulo yoontanga-kuya-ntanga.
Ukungena kwe-Apple kwi-BNPL yenkxaso-mali nge-Apple Pay Kamva kuza ngexesha apho abathengisi abaninzi bamkela iintlawulo ezivela kwii-apps ze-BNPL ezifana ne-Affirm, i-Klarna kunye ne-Afterpay. Uninzi lwezi apps zibonelela ngezicwangciso zentlawulo zexesha elifutshane ezingenanzala, ngelixa ezimbalwa zibonelela ngezicwangciso zezavenge ezinde ezinenzala eyahluka-hlukeneyo.
Funda yonke into ekhoyo malunga ne-Apple Pay Kamva, kubandakanywa nendlela esebenza ngayo, apho iya kwamkelwa khona, kwaye iya kufumaneka nini.
Isebenza njani iApple Pay Kamva?
I-Apple Pay Kamva ikuvumela ukuba wahlule iindleko zokuthenga zibe ziintlawulo ezine ezilinganayo ezisasazwa kwiiveki ezintandathu. Intlawulo yokuqala kufuneka xa uthenga, kwaye iintlawulo ezishiyekileyo kufuneka qho kwiiveki ezimbini emva koko.
Nje ukuba iApple Pay Later ikhululwe, uya kuba neendlela ezimbini ongakhetha kuzo xa ugqibezela ukuthenga: Hlawula ngokuPheleleyo kwaye uHlawule kamva. Ukukhetha ukhetho lokugqibela kuya kuzisa ishedyuli yentlawulo ebonisa isixa sentlawulo nganye kwezine kunye nomhla ekufuneka zihlawulwe ngawo.
Iivenkile kunye nabarhwebi abayi kuphumeza naluphi na utshintsho ukwamkela iintlawulo nge-Apple Pay Kamva. Iintengiselwano ziya kwenzeka njengangaphambili – umahluko kuphela uya kuba yindlela iintlawulo ezibuyayo ezenziwa ngayo.
Izavenge ze-MasterCard, inkonzo ye-BNPL emhlophe yenkampani yekhadi letyala, iya kubonelela ngeentlawulo zabarhwebi be-Apple Pay Kamva. I-Apple idale i-subsidiary yayo yezemali - iiNkonzo zeMali ze-Apple - eziza kujongana nokuvunywa kwemboleko kunye nokutshekishwa kwekhredithi. Iqabane lebhanki i-Goldman Sachs iya kuba ngumniki osemthethweni wemboleko.
Iintlawulo ze-Apple Pay Kamva kufuneka zenziwe ngekhadi lebhanki; awukwazi ukusebenzisa ikhadi letyala. Uya kukwazi ukuseta iintlawulo ezizenzekelayo okanye wenze iintlawulo ezongezelelweyo nangaliphi na ixesha. Yonke into ethengiweyo ye-BNPL iya kujongwa kwakhona kwaye yamkelwe okanye yaliwe kusetyenziswa itshekhi yetyala elithambileyo.
I-Apple Pay Kamva ayicwangcisi ukuhlawulisa iintlawulo zokuhlawula kade, nangona inokusebenzisa iintlawulo zasemva kwexesha njengesizathu sokukhaba imali-mboleko ye-BNPL yexesha elizayo. Akukho xabiso liphezulu okanye lincinci elithengiweyo elisele libhengezwe kwi-Apple Pay Kamva - uluhlu olulindelekileyo lokuthenga yi-$25 ukuya kwi-1 yeedola.
Ndingayisebenzisa nini iApple Pay kamva kwi-iPhone yam?
I-Apple Pay Kamva iya kubandakanywa ne-iOS 16, uhlaziyo lwamva nje lwenkqubo yokusebenza ye-Apple ye-iPhone. Akukacaci ukuba ngaba i-Apple Pay Later iya kubandakanywa okanye iya kubandakanywa nokuqaliswa kwe-iOS 16 ngoSeptemba 12, okanye ukuba iya kongezwa kuhlaziyo lwenqaku elizayo. Uhlaziyo lwe-iOS rhoqo, ukongeza amanqaku amatsha kunye nokulungisa iimpazamo.
I-Apple Pay Kamva ayizange ikhankanywe ngexesha le-Apple ye-7 Septemba "Far Out" isiganeko sikawonkewonke, ebonisa ukuba inkonzo ayinakubandakanywa ekukhutshweni kokuqala kwe-iOS 16. ukuwa."
I-Apple ngokwesiko ikhupha iinkqubo zayo zokusebenza zamva nje kuluntu ngaxeshanye neefowuni zayo zamva nje. I-iPhone 14 iya kukhutshelwa uluntu ngolwesiHlanu, nge-16 kaSeptemba, kwaye iiodolo zangaphambili sele zivuliwe.
I-Apple Pay yahluke njani kamva kwiintlawulo zenyanga ze-Apple Card?
Izavenge zenyanga ze-Apple Card yinkqubo ka-Apple ekuvumela ukuba uhlawule ukuthengwa kweemveliso ze-Apple xa usebenzisa ikhadi letyala le-Apple Card. Ubude bexesha le-0% le-APR yezi kuthengwa zixhomekeke kwimveliso. Izicwangciso zezavenge ziqala kwiinyanga ezintandathu ukuya kwiminyaka emibini.
I-Apple Pay kamva ayiphelelanga kwiimveliso ze-Apple kwaye ayifuni ukusetyenziswa kweKhadi le-Apple. Nge-Apple Pay Kamva, uya kuba nakho ukuxhasa ngemali ukuthenga usebenzisa ikhadi le-debit, utshilo u-Apple, ukuba nje iqhagamshelwe kwi-Apple Wallet. Ukongeza, ixesha lokuhlawula elingenanzala le-Apple Pay Kamva - iiveki ezintandathu - lifutshane kakhulu kunezicwangciso zentlawulo ezibonelelwa yi-Apple Card yenyanga ngezavenge.
Yintoni enye eya kuyongeza i-iOS 16 kwi-Apple Wallet?
Enye into entsha kwi-Apple Wallet yi-Apple Pay Order Tracking, evumela abarhwebi ukuba babonelele abathengi ngeerisithi ezineenkcukacha kunye nemigangatho yokuhanjiswa kweemveliso ezithengiweyo nge-Apple Wallet.
I-Apple ikwandise inkxaso kwi-Apple Wallet yeelayisensi zokuqhuba kunye namakhadi esazisi. Emva kwee-ID zeColorado kunye ne-Arizona, i-Apple Wallet yongeza inkxaso ye-11 yamazwe amaninzi.
La maphepha-mvume okuqhuba anokusetyenziswa kwiindawo ezithile zokuhlola i-Arhente yoKhuseleko lwezoThutho. Zisenokwabelwana ngazo nezinye ii-apps ezifuna ukuchongwa, ezifana nokuthengwa kotywala nge-Uber Eats.
I-Apple Wallet yongeza inkxaso yokwabelana okuphambili kweendawo ezinjengeehotele, iiofisi, okanye iimoto. Iimpawu ezintsha ziya kuvumela abasebenzisi ukuba babelane ngezitshixo nabahlobo okanye abanxulumanisi basebenzisa i-imeyile, imiyalezo ebhaliweyo okanye ezinye iinkqubo zokuthumela imiyalezo.
Zeziphi ezinye iinkonzo ze-intanethi ezikuvumela ukuba uthenge ngoku kwaye uhlawule kamva?
Ezinye iinkqubo ezikhoyo zokuhlawula kwi-intanethi zibonelela ngexesha elifutshane "ukuthenga ngoku, uhlawule kamva" ngenkxaso-mali efana nale inikezelwa yi-Apple Pay Kamva. I-PayPal's Pay Pay in 4 program isebenza kakhulu njenge-Apple Pay Kamva, ngaphandle kokuba ukuthengwa kulinganiselwe phakathi kwe-$300 kunye ne-1 yeedola.
I-app ye-BNPL Sezzle isebenzisa intlawulo emine, inkqubo yeeveki ezintandathu, kodwa ivumela abasebenzisi ukuba bahlehlise intlawulo ukuya kwiiveki ezimbini kamva ngaphandle kweendleko kwaye babeke ezinye iintlawulo zentlawulo eyongezelelweyo.
Ezinye ii-apps ze-BNPL ezifana ne-Affirm kunye ne-Klarna zibonelela ngezicwangciso zezavenge ezingenanzala zexesha elifutshane okanye izicwangciso zezavenge ezinde ezongeza umyinge wenzala oguquguqukayo.
SOURCE: Uphonononga Iindaba
Ungalibazisi ukwabelana ngenqaku lethu kwiinethiwekhi zentlalo ukusinika ukomelela okuqinileyo. 🤟