Izimvo: 488 Umbhali: Umhleli we-Gomerling IXESHA: 2025-04-07 Imvelaphi: Indawo
Kwindawo yentengiso yale mihla, abathengi bajamelana nentsebenzo eyomeleleyo yokhetho xa khetha ivenkile efanelekileyo kwiimfuno zabo. Ukufumanisa i Ivenkile eyona iphambili kwixabiso lokuphatha ibandakanya uhlalutyo lwezinto ezininzi ezifana nemiba emininzi enjengemigangatho yemveliso, amaqondo amaxabiso, kunye namava owo onke amaxabiso. Eli nqaku libonelela ngovavanyo olubanzi lwezinto ezize nexabiso elifanelekileyo ekutyeni, ukuzoba kwithiyori yezoqoqosho, izifundo zokuziphatha kwabathengi, kunye nemizekelo yenene yokukhokela izigqibo ezifanelekileyo.
Ukuqonda into eyenza ivenkile eyona nto ilunge kakhulu kwimali ifuna ukuthoba kwiingcamango zoqoqosho ezinxulumene nokukhetha kwabathengi kunye nokukhutshwa kwesixhobo. Ngokutsho kwethiyori yokuziphatha kwabathengi, abantu banenjongo yokwandisa izixhobo zabo ngaphakathi kwezithintelo zabo zohlahlo-lwabiwo mali. Oku kubandakanya ukukhetha iimpahla kunye neenkonzo ezibonelela ngolwaneliseko olukhulu kwiyunithi yemali esetyenzisiweyo. Umxholo wesihloko sexabiso uba sisePints apha, apho izibonelelo ezifunwayo zemveliso okanye inkonzo zilinganiswe ngokuchasene neendleko zayo.
Ubudlelwane bomgangatho wamaxabiso luphawu oluphambili kwixabiso lokuvavanya. Ngelixa amaxabiso aphezulu ahlala uphawu olungcono, oku akusoloko kunjalo. Izifundo ze-Empiricas zibonisile ukuba ezinye iivenkile zibonelela ngeemveliso ezibalaseleyo kumaxabiso okhuphiswano ngenxa yokuthenga izinto ezifanelekileyo zoncedo okanye ezoqoqosho. Umzekelo, abathengisi besaphulelo banokubonelela ngezinto ezisemgangathweni ngokuthetha-thethana nezivumelwano zokuthenga ezininzi kunye nabathengisi. Ke ngoko, abathengi kufuneka bahlole ukuba izinto ezinamaxabiso aphezulu zibonelela ngenene izibonelelo ezongezelelweyo ezicacisa iindleko.
Ngaphaya kwamaxabiso kunye nemveliso esemgangathweni, inkonzo yabathengi ichaphazela kakhulu ixabiso elinikezelwa yivenkile. Inkonzo egqwesileyo yabathengi inokuphucula amava okuthenga, akhokelela kumanqanaba aphezulu akwanelisekileyo. Oku kubandakanya abasebenzi abanolwazi, inkxaso yokuphendula, imigaqo-nkqubo yokubuya eguqukayo, kunye nokwabuqu. Isifundo esapapashwa kwijenali yokuthengisa sibonisa ukuba ukoneliseka kwabathengi abaphezulu kunokukhokelela ekunyuseni ukuthembeka kwabathengi kunye nokuphinda ishishini, elinokuthi liguqulele kwixabiso lexesha elide kubathengi.
Cinga ngomzekelo wevenkile ye-elektroniki yabathengi ezihlawula kakhulu uqeqesho lwabasebenzi. Abathengi bafumana ingcebiso yeengcali, ezibanceda ukuba bazise izigqibo zokuthenga, ukusindisa imali ngokuthintela iimveliso ezingafanelekanga. Ixabiso elongezelelekileyo lesikhokelo sengcali libonisa ukuba inkonzo eqaqambileyo yabathengi inegalelo njani kwivenkile ethathwa njengeyona nto ilungileyo.
Uluhlu lwemveliso eyahlukeneyo ivumela abathengi ukufumana ngokuthe ngqo kwinto abayifunayo ngaphandle kokulalanisa. Iivenkile ezibonelela ngokukhetha ngokubanzi ukuya kwiindawo ezahlukayo kunye nohlahlo-lwabiwo mali, evuselela amathuba okwaneliseka kwabathengi. Ukufikeleleka, kubandakanya iindawo ezifanelekileyo kunye neendlela zokuthenga kwi-Intanethi, idlala indima ebalulekileyo. Ukupheliswa kwe-E-Commerce yenze ukuba abathengi bafumane indawo yentengiso yehlabathi, ngokufumana i-short engcono kunakwivenkile yasekhaya.
Abathengisi abakwi-Intanethi baphazamise iimodeli zemveli zemveli ngokunikezela ngamaxabiso okhuphiswano kunye neempahla ezibanzi. Zihlala zineendleko eziphantsi zentloko, ezinokutolika kwi-Savings kubathengi. Ukongeza, ukuphononongwa kwe-Intanethi kunye neereyithisi zibonelela ngendlela elubala malunga nomgangatho wemveliso kunye nokuthenjwa komthengisi. Abathengi babeka ezi qonga zinokufumana ukuba Ivenkile eyona iphambili yenye edibanisa ngokulula i-intanethi ngamaxabiso afikelelekayo.
Iivenkile ezininzi zibonelela ngeenkqubo zokunyaniseka, izaphulelo, kunye nezenzo zentengiso ezixhasa ixabiso kubathengi. Ezi nkqubo zisebenze kwigunya eliphindaphindekayo ngokubonelela ngemivuzo efana nezaphulelo ezikhethekileyo, amanqaku emalina okhethiweyo kuthengwa kwexesha elizayo, kunye namalungu - izehlo kuphela. Uhlalutyo lwezoqoqosho lubonisa ukuba iinkqubo ezinjalo zinokubonelela ngolondolozo olubalulekileyo ngokuhamba kwexesha, ngokufanelekileyo ukunciphisa inkcitho ngempumelelo kwintengiselwano yabathengi abathembekileyo.
Uphando olusebenzayo lweenkqubo zokunyaniseka zityhile ukuba abathengi ababhalisileyo kwezi nkqubo bagcine umndilili we-10% kwiindleko zabo zokuthenga zonyaka. Oku kubonisa ukuba iivenkile ezinamachaphaza ezinokuthengiswa kweqhina zinokuthathwa njengeyona mali ilungele imali, ngakumbi kubathengi abasebenza rhoqo. Nangona kunjalo, abathengi kufuneka baphonononge imigaqo kwaye baqinisekise ukuba inkqubo iyahambelana neendlela zabo zokuthenga.
Ezonda, abathengi bathathela ingqalelo iindlela zokuziphatha kunye neenzame ezizinzileyo zeevenkile njengenxalenye yovavanyo lwexabiso labo. Iivenkile ezibeka phambili urhwebo oluzenzekelayo, iinkqubo zokuziphatha okusingqongileyo, kunye noxanduva lwenkampani zinokubonelela ngexabiso elingenakuthelekiswa nanto eqhubeka nexabiso labathengi. Ngelixa iimveliso ezivela kwiivenkile ezinjalo zinokuhamba ngexabiso le-premium, ixabiso elipheleleyo elibonwa ngabathengi abazibonayo banokuphakama.
Iinkampani ezityala iinkampani ezizinzileyo zihlala zinamava okunyuswa kwabathengi. Ingxelo nguNielsen yafumanisa ukuba i-66% yabathengi behlabathi bazimisele ukuhlawula ngaphezulu kwiimpahla ezizinzileyo. Le ndlela iphakamisa ukuba Ivenkile eyona iphambili inokuba yinye ehambelana neziqwalaselo zokuziphatha, ibonelela ngexabiso elongezelelekileyo ngaphaya kwentengiselwano kwangoko.
Ukuqhubela phambili kwetekhnoloji kuguqulile amava okuthenga. Iivenkile ezisebenzisa itekhnoloji yokufumana itekhnoloji efana nenyani (i-AR), amagumbi afanelekileyo abonakalayo, kunye neengcebiso ze-AI ze-AI ukongeza ukuzibandakanya kwabathengi kunye nolwaneliseko. Ezi teknoloji zinokunceda abathengi bathathe izigqibo ezingcono zokuthenga, ngaloo ndlela benyusa ixabiso elithathwe kwinkcitho yabo.
Amava okuthenga awodwa abonakalisiwe ukwandisa ukwaneliseka kwabathengi ngokulungelelanisa iimveliso kunye neenkonzo kwizinto azithandayo. Umzekelo, iinkqubo zokuncoma eziqhutywa yi-AI Oku akufaneli kuphela ixesha kodwa kungazise abathengi kwizinto ezinokuhlangabezana kakuhle iimfuno zabo, ukuphucula umbono wexabiso.
Iindlela zentengiso kunye nezikhombisi zoqoqosho zinokuphembelela zeziphi iivenkile ezinikezela ngexabiso elifanelekileyo nangaliphi na ixesha. Izinto ezifana namaxabiso okunyuka kwamaxabiso, ukuphazamiseka kwekhonkco, kunye notshintsho kwimfuno yabathengi kuchaphazela amaxabiso kunye nokufumaneka kweemveliso. Ukuhlala unolwazi malunga nemigaqo yenza ukuba abathengi basebenzise ixesha lokuthenga kwabo, benza izehlo zentengiso okanye ukuguquguquka kwexabiso.
Imicimbi yoNcedo lweHlabathi, njengalowo inamava ngexesha leCovid-19 ubhubhane, inokukhokelela ekunqongopheni kweemveliso kunye namaxabiso anyukayo. Iivenkile ezinamatyando ezongezelelweyo zokubonelela okanye iindlela zokwenza ikhaya zinokubekwa kwixabiso elingcono lokunikezela ngexabiso elingaguqukiyo. Abathengi banokufumana Ivenkile eyona ilungileyo yeyokugqibela ilungisa le miceli mngeni ukugcina amaxabiso afanelekileyo kunye nokufumaneka kwemveliso.
Idumela levenkile, idla ngokubonakalayo kuphononongo lwezixhobo kunye neereyithingi, ibonelela ngexabiso elinikiweyo. Iireyithi eziphakamileyo zihlala zibonisa umgangatho ongaguqukiyo, inkonzo elungileyo yabathengi, kunye nolwaneliseko olupheleleyo. Abathengi abanokubakho banokusebenzisa ezi uphononongo ukulinganisa ukuba ivenkile inokuthi ifezekise izinto ezilindelekileyo ngokwexabiso lemali.
Isicwangciso esiliqili kukufunda zombini uphononongo oluqinisekileyo nolungalunganga ukufumana umbono olungeleleneyo. Izihloko eziqhelekileyo kuhlolo olubi zinokuphelisa imiba yenkqubo, ngelixa ingxelo entle inokuqinisekisa amandla evenkile. Olu hlalutyo lunceda abathengi ekumiseleni ukuba ivenkile iguqukele kunye neenqobo zabo zexabiso.
Ukuchonga eyona venkile ilungileyo ibandakanya uvavanyo olubanzi lwezinto ezahlukeneyo, kubandakanya amaxabiso, umgangatho wemveliso, inkonzo yabathengi, ukufikeleleka, kunye neendlela zokuziphatha. Ngokusebenzisa iithiyori zoqoqosho kunye nokuthathela ingqalelo idatha ebonakalayo, abathengi banokwenza izigqibo ezinolwazi ezikhuthaza izixhobo zabo. Ukudityaniswa kwetekhnoloji kunye nokwazisa malunga neendlela zentengiso ngakumbi kuphucula le nkqubo yokwenza izigqibo. Ekugqibeleni, Ivenkile eyona iphambili iyodwa inikezela ngexabiso eliphezulu kuzo zonke ezi zinto zikhethiweyo, zilungelelaniselwano kunye neemfuno zomthengi kunye neemfuno.
Umxholo awunanto!
Umxholo awunanto!