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数字怀疑者的无现金支付

那些对信用卡感到舒服但对在线使用信用卡持怀疑态度的人可以生成一张网络卡,这是一张只能使用一次的虚拟卡。

孟买:纳伦德拉·莫迪总理的斗争黑色的钱现在有了一个新的方向,推动印度人使用数字支付。并非所有人都对这一变化感到满意,因为就在几周前,一家私人银行的ATM处理系统发生了数据泄露事件。如果你是数字怀疑论者之一,不要惊慌:即使你最担心的事情成为现实,也有方法和方法来限制网络世界的破坏。

你不需要急着去试水。你进入世界的旅程电子支付可以从使用数字钱包的几卢比开始。电子钱包实际上是由印度储备银行作为预付工具,你可以存入现金。对于那些从未使用过网络银行或网上信用卡的人来说,通过向与钱包公司合作的商户支付现金,你仍然可以将钱存入钱包,或者你可以让朋友转账数字现金钱包可以用于低价值的交易,如乘车或打车,甚至购买小额门票。

电子支付的另一大优点是支付账单。在21世纪,没有人真的需要排队支付水电费。克服这种网上银行恐惧症的诀窍是开立另一个交易银行账户。有些银行提供没有任何余额要求的纯数字账户。Kotak的Jifi和星展银行(DBS)的数字银行就是零余额账户的例子。随着支付银行的推出,将有更多这样的账户可用。您可以提供定期指示,每月向该分行转一笔固定金额,这足以支付您的账单。

那些对信用卡感到舒服,但对在第三方网站上在线使用信用卡持怀疑态度的人可以生成一张网络卡,这是一张只能使用一次的虚拟卡,受客户设定的限制。也有银行发行的预付卡,如SBI的ez-pay卡或Axis Bank的礼品卡。那些害怕使用信用卡的人可以选择信用额度很低的信用卡。

那些担心被黑客攻击的人需要记住,大多数网络欺诈都是现代版的信心骗局。他们懒得破解128位加密,这就像试图打破钢墙一样。他们所需要做的就是让你交出钥匙,钥匙就是你的凭证。

如今,即使你从未使用过网上银行,你的大部分钱都以比特和字节的形式存在某些银行的服务器上。如果你通过电话与诈骗者分享账户或信用卡信息,你仍然可能被骗。诀窍是确保你不分享你的卡的详细信息或密码:即使你接到紧急电话询问你的卡的详细信息,因为你的卡被“黑客”或可能被停用,也不要分享你的卡的详细信息——无论是个人还是网站。

数字怀疑者的无现金支付

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MUMBAI: Prime Minister Narendra Modi's battle against black money<\/a> has now taken a new turn of nudging Indians into digital payments. Not everyone is comfortable with this change, coming as it is only weeks after a data breach in a private bank's ATM processing system. If you are one of the digi-sceptics, don't be alarmed: There are ways and means to limit the damage in the online world, even if your worst fears come true.

You do not need to take a dive off the deep end to test the waters. Your journey into the world of
electronic payments<\/a> can start with something as low as a few rupees using a digital wallet. E-wallets are actually regulated by the RBI<\/a> as prepaid instruments into which you can load cash. For those who have never used netbanking or cards online, money can still be loaded onto the wallet by paying cash to a merchant who has partnered with the wallet company , or you can ask a friend to transfer digital cash<\/a> in exchange for currency .The wallets can be used for low value transactions such as auto or cab rides and even making small ticket purchases.

The other great advantage of electronic payments is bill pay . In the 21st Century , no one really needs to stand in a queue to pay utility bills. The trick to overcome this netbanking phobia is open another account for transaction banking. There are banks offering a digital-only account without any balance requirement. Kotak's Jifi and DBS' digibank are examples of zero balance accounts. More such accounts will be available with the launch of payments banks. You can provide standing instructions to transfer a fixed amount to this branch every month which would be enough to pay your bills.