Isicelo sokuqala solawulo lwemali, eBinzhou, China.(Ifoto: ChinaFotoPress) Andizange ndenze imali eninzi, kodwa phakathi kweminyaka engama-20 ndasebenza komnye wemibutho yezobulungisa kwezentlalo ehlawula abasebenzi bayo imali encinci kwaye ibasebenza nzima kangangokuba umntu wayenokuthi ingenzi-nzuzo iyiphindaphinde intswela-bulungisa yabasebenzi bayo. ) ihlawulelwe ukulwa. Ukwenza izinto zibe mbi nangakumbi, amatyala am awazange ahambisane nemivuzo yam, ngamanye amaxesha kwakungabikho nto ishiyekileyo kwaye ngamanye amaxesha, ndinamatyala ambalwa, ndandichitha umvuzo wam ngokungekho ngqiqweni. Ke ndazakhela iqela lamatyala etyala.
Emva koko ndibethe esi sicwangciso sokusebenzisa iiakhawunti ezimbini zokujonga kunye neakhawunti enye yokonga ukwahlulahlula inkcitho yemali, amatyala aqhelekileyo (anje ngezixhobo kunye nerenti) kunye namatyala angaqhelekanga (njengeinshurensi yemoto okanye imali yeholide). Yabutshintsha ubomi bam. Ngokubeka bucala imali yeendleko zokuhlawula yonke intlawulo, ndiyekile ukusebenzisa ababolekisi kwaye ndalungisa zonke iindleko ezingaqhelekanga kwimali endiyigcinileyo. Ndacinga ukuba ndiyingqondi.
Ibhili enye ehlawula ukungcungcutheka isandilanda, nangona kunjalo. Ndifuna ukuhlawula onke amatyala am ngaxeshanye, kube kanye ngenyanga, kodwa umntu omnye okanye ababini abakhubazekileyo abaze bahlangabezane neshedyuli yam. Ke ngamanye amaxesha ndishiya ngasemva kwi-30 yezigidi zeerandi kuba ifika ngeveki okanye emva kokuba ndihlawule onke amanye amatyala am kwaye ndicinga ukuba, Ewe, ewe, ndiyakuyenza loo nto, kodwa ungavumi. Kubantu abanale ngxaki nabanye abayithandayo, ngena OnePay , Ukuqala kuka-Austin okuvumela abathengi ukuba badibanise zonke iindleko zabo (irente, izinto eziluncedo, iselfowuni, njl.njl.) kwintlawulo enye ngenyanga. 
I-Kirk Logan, i-biz dev kwi-OnePay, hayi-ngokwenyani ukwandlala kwi-Tech Day 2016.(Ifoto: UBrady Dale woMqwalaseli)
Ingxaki esiyisombululayo kufuneka ube nemihla eyahlukeneyo yokuhlawula amatyala akho kwaye zihlala zinamasango ahlukeneyo ekufuneka uhlawule ngawo, uKirk Logan, intloko yophuhliso lweshishini kwinkampani, uxelele uMqwalaseli ngexesha lodliwanondlebe kwiTech Day 2016 eManhattan.
Nje ukuba umthengi agunyazise iintlawulo ngenkonzo, ihlalutya iinyanga ezintandathu zokugqibela ukuya kwiibhili zonyaka, ize nomndilili kwaye ithumele umsebenzisi isixa esinye ukuba ahlawule ekuqaleni kwenyanga nganye. Inkampani iyakuhlawula ityala ngalinye kwangexesha. Ingabandakanya amatyala angekhoyo ngenyanga, njengentlawulo yeinshurensi yemoto eza rhoqo ngonyaka.
Le nkonzo ayihlawulelwa. I-OnePay yenza imali, utshilo uMnu Logan, ngokukhangela amatyala wabathengi ngamathuba okonga, njengabasebenzisi abahlawula iigigabits ezininzi zedatha yeselfowuni kunokuba befuna okanye abathengi beendawo zokuhlala behlawulela ukufikelela kwiklasi ye-intanethi ukufikelela kwi-intanethi. Umyinge wethu ukuza kuthi ga ngoku yi-45 yeedola ngenyanga kwiipesenti ezingama-85 zabaxumi bethu, utshilo uMnu Logan. Ukuba abasebenzisi bayazamkela iindlela ezicetywayo zokonga ze-OnePay, inkampani igcina iipesenti ezili-10 zomahluko (ke ukuba ifumana imali engange- $ 30 kulondolozo, umthengi uya kuyihlawula inkampani i-3 yeedola ngenyanga yekhomishini yokonga), enokuthi ibe yinto efanelekileyo kubathengi abaninzi ngokuvumela nje I-OnePay iyilungiselele yona.
Inkampani ineminye imithombo embalwa yengeniso, enje ngezivumelwano zokudibana. Umzekelo, uMnu Logan uthe kusebenza kubambiswano kwishishini elihambayo, kunceda abathengi ngokukhawuleza ukusetha kunye nabanikezeli beenkonzo abatsha xa batshintsha iidilesi.
Ixesha lokonga wedwa lixabisekile, utshilo uMnu Logan.
Ngaba ukhutshiwe yimathematika yentlawulo enye enkulu kunye nokuhlawulwa kabini ngenyanga? Yahlulahlula ityala lakho kwi-OnePay kwisiqingatha kwaye ubeke bucala loo mali kwintlawulo nganye, ukuze uyisebenzise xa ityala lakho elinye lilikhulu lifikile. Ndikusindisile nje uninzi lweengxaki zohlahlo-lwabiwo mali. Akukho ntlawulo.
