Ngexesha elithile elidlulileyo iintlawulo ngezixhobo eziphathwayo zafika ebomini bethu ukuze zihlale. Okwangoku zisetyenziswa kuphela ngabasebenzisi abambalwa, abalahle ubunzima bokuhlala bephethe isipaji kunye namakhadi, ngelixa uninzi lusaqala ukuqheleka kwaye luxabisa ukufumaneka kwamakhadi angaqhagamshelwa.
I-smartphone ehambelanayo kwaye ibhanki yakho ivumela ukuhlawulwa ngale ndlela zezona mfuno zimbini zibalulekileyo ukuze ukwazi ukuhlawula evenkileni ngesixhobo sethu esiphathwayo. Ewe kunjalo, ngaphambi kokwazisa ngalo mzuzu kufuneka sikhethe phakathi I-Apple Pay, i-Samsung Pay kunye ne-Android Pay, izingqinisiso ezintathu eziphambili zeentlawulo nge-smartphone kwaye namhlanje siza kuthelekisa, ngokuqinisekileyo ukukukhupha kumathandabuzo amaninzi.
Zeziphi izixhobo ezixhaswayo ezixhaswayo?
Ukuba unesixhobo esikwiselfowuni esine-Android operating system, ngokuqinisekileyo uya kuba nakho ukwenza intlawulo kwisiphelo sakho kwaye oko kukuthi UGoogle uvumela ukusetyenziswa kwe-Android Pay kwinguqulelo ye-4.4 KitKat. Ewe kunjalo, kubalulekile ukuba une-smartphone enobuchwephesha be-NFC kwaye nayo ayinazimpande.
Ngokubhekisele kwi-Samsung Pay, ngokuqinisekileyo ubucinga, le nto inomda ngakumbi kwaye le nkonzo inokuba kuphela kwifayile ye- I-Samsung Galaxy S7, i-S7 Edge, i-S6, i-S6 esebenzayo, i-S6 Edge, i-S6 Edge Plus, uluhlu lwe-Galaxy A5 ukusuka ngo-2016 no-2017., Ngaphandle kwendlela kwiinguqulelo ezimbini zefayile ye- Galaxy S8. Itsala umdla wezinye zeetheminali ezithengiswa kakhulu yinkampani yaseMzantsi Korea efana nosapho lakwaGlass J, nangona ngokuqinisekileyo kwiinguqulelo ezizayo siza kubona ukuba kungenzeka njani ukuhlawulwa kwezi zixhobo.
Ekugqibeleni I-Apple Pay iyahambelana nayo nayiphi na i-iPad okanye i-iPhone enetekhnoloji ye-NFC, oko kukuthi, i-iPhone 6 ukuya phambili kunye nohlobo lwamva nje lwe-iOS. Ukongeza, sinokusebenzisa ukubhatala iApple Watch yethu, ethi xa idityanisiwe ne-iPhone yethu isivumele ukuba senze iintlawulo ngendlela elula ngakumbi.
Ezi ziibhanki ezihambelana ne-Android Pay, i-Samsung Pay kunye ne-Apple Pay
Ngokungafaniyo namanye amazwe amaninzi, iibhanki zibonakala ngathi zezona zibheja kancinci kwinkqubo entsha yokuhlawula. Okulandelayo, siza kuhlalutya imeko yangoku, apho i-Android Pay iqiniswe kancinci, inika phantse lonke udumo kwi-Samsung Pay nakwi-Apple Pay.
Inkonzo yeentlawulo zikaGoogle ikwazile ukuxhomekeka kwinkxaso ye-BBVA eSpain, yenye yeebhanki ezibaluleke kakhulu kwilizwe lethu nakwilizwe liphela, kodwa ngokungathandabuzekiyo inyina umda wokusebenza kweGoogle Play. Ukongeza, ikwalahla abasebenzisi abaninzi ukuba bakwazi ukusebenzisa le nkonzo kwimihla yabo yemihla ngemihla. Okwangoku, isigebenga esingakhange sichaze izivumelwano ezitsha, nangona sicinga ukuba akufuneki sibe kudala beza.
Ngenxalenye yalo Samsung Pay ewe ikwazile ukuzibeka kwindawo elungileyo, enkosi ngenkxaso ye CaixaBank, ImaginBank, Servicios Financieros El Corte Inglés, Banco Santander, Abanca kunye neBanco Sabadell. Onke la maziko emali enza inkonzo yeentlawulo zeSamsung ibe yinkokheli yokwenyani, nangona okwangoku inikwe umda kakhulu zizixhobo ezimbalwa ezinokusetyenziselwa ukwenza iintlawulo.
Apple Pay uphethwe yinto efana nale yenzekayo kwi-Android Pay kwaye oko kukuthi ngoDisemba olandelayo kuya kuphawula unyaka wokuphehlelelwa kwilizwe lethu, kwaye kunokusetyenziswa ngokukodwa Banco Santander. Ewe kunjalo, kwimeko yenkonzo yeCupertino inokusetyenziselwa indawo yokutyela itikiti kunye neCarrefour Pass. I-CaixaBank, i-ImaginBank, i-VISA kunye ne-N2017 ziya kujoyina ngo-26, ngokungathandabuzekiyo eya kuba linyathelo elibaluleke kakhulu kwinkqubo yentlawulo ye-Apple.
Yeyiphi engcono, yiApple Pay, i-Samsung Pay okanye i-Android Pay?
Impendulo yalo mbuzo inzima kakhulu kwaye kukuba nangona bambalwa kuthi babe nelungelo lokusebenzisa ezi nkonzo zintathu, uninzi lwabasebenzisi luzamile kuphela isixhobo esivunyelweyo. Kubasebenzisi be-Samsung smartphone, ngokuqinisekileyo eyona nkonzo iya kuba yi-Samsung Pay, kodwa kumnini we-iPhone eyona nkonzo ilungileyo iya kuba yi-Apple Pay.
Inyani yile yokuba i-Android Pay yeyona nkonzo ibuthathaka kwabathathu kuba singayisebenzisa kuphela ukuba singabathengi beBBVA. Phakathi kweSamsung Pay kunye neApple Hlawula umahluko mncinci, kuba nangona inkonzo yeCupertino ikwanomda kakhulu, ubuncinci okwangoku, iSamsung ikwacuthwe zizixhobo ezimbalwa eziphathwayo ezikhoyo.
Kum, ndine-iPhone ngaphandle kwamathandabuzo eyona nkonzo ibalaseleyo yi-Apple Pay, kodwa ukuba ubambe i-Samsung ezandleni zakho, ngokuqinisekileyo uya kukhetha i-Samsung Pay kwaye ukuba unesiphelo sendlela ye-Android olona khetho lwakho luya kuba yi-Android Pay.
Ezi nkonzo zintathu zisenendlela ende ekufuneka zihanjisiwe, kwaye kukuba zonke kufuneka zingene kwilizwe lethu kunye nabanye abaninzi, zifumane inkxaso kwiibhanki ezinkulu nakwiivenkile ezinkulu. Ngelo xesha, kwaye xa kulula ukuhlawula ngesixhobo sethu esiphathwayo kunangekheshi okanye amakhadi etyala, iya kuba lixesha lokuvavanya ukuba yeyiphi inkonzo ebhetele. Okwangoku singathi ezi nkonzo zintathu ziyalingana, kwaye zezona zilungileyo kumsebenzisi ngamnye ozisebenzisayo.
Ucinga ntoni ngeentlawulo ezihambayo kwaye yeyiphi eyona nkonzo intle onokuyifumana?. Sitshele kwisithuba esibekelwe ukuphawula kule post okanye ngenye yeenethiwekhi zentlalo apho sikhona kwaye sijonge phambili ukuva uluvo lwakho kwesi sihloko.