Munyika iri kuwedzera kudhijitari , migwagwa yedu yakakwirira iri kuita isina mari. Sezvo isu tichichinjanisa manotsi uye mari yekubhadhara isingabatike uye smartphone wallet, inguva yekuti bhizinesi rako risvetuke mubhodhi?
Gails, Black Sheep Kofi, Itsu, uye Pizza Hut zvingori zvitoro zvishoma zvisingachagamuchiri mari muna 2024.
Mubvunzo ndewekuti, izvi zvingasiya kupi mabhizimisi madiki? Nepo ruzivo rwekutenga zvisina mari rwuri nyore kune vatengi vane ruzivo, zvitoro zvemuno zvingave zvisipo here?
Tine izvi mupfungwa, ngationgororei mabhenefiti ekugonesa madiki ekutengesa mari mudhijitari-yekutanga high street. Inogona kuwedzera purofiti yebhizinesi diki kana kudzinga vatengi muna 2024?
Ko Cash Ichiri Mambo?
Kutengeswa kwemari kudiki kunobatsira kufambisa purofiti kumabhizinesi emuno. Nepo muripo wekutengesa kadhi usingabate mari yemazita makuru pamugwagwa wepamusoro, zvitoro zvidiki zvinotora mukurumbira, kunyanya zvitoro zvinogara zviri nyore uye mhando dzinotengesa zvirimwa zvemuno.\
(Mufananidzo Kunobva:
Kugamuchira mari muchitoro kunopawo vatengi rusununguko rwakakura rwekushandisa. Nepo 12% chete yehuwandu hweUK vaiti vakatakura mari muna 2024,
“Kunyangwe iri sarudzo yemutengesi kuti obvuma here kana kuramba chero nzira yekubhadhara, kusanganisira mari kana kadhi, anenge ese (98%) emabhizinesi akaongororwa akati haamborambi mutengi kana achida kubhadhara nemari, ” anodaro Jason McCartney, Aimbove MP weColne Valley.
"Financial Conduct Authority yakaburitsa tsvakiridzo yekutambirwa kwemari nemabhizinesi madiki nepakati (SME), iyo yakaona kuti chikonzero chikuru chekugamuchira mari ndechekupa vatengi sarudzo."
Zvakanakira Kugamuchira Mari Musangano Rinofambiswa Nedhijitari
Rusununguko rwekubhadhara rwakaita basa rakakosha mukuchengetedza mugwagwa wepamusoro kubva pakaputika e-commerce.
Sezvo mamwe mapoinzi-ye-kutengesa masisitimu anogamuchira nyowani
Kunyange ingave isisiri iyo inonyanya kufarirwa nzira yekubhadhara pabhuroko, mudiki dosi, mari inogona kunyatso kusimudzira purofiti yebhizinesi senzira yekuchinjana kadhi.
Heano zvikonzero zvishoma nei uchifanira kukurudzira diki kutengeserana mari muchitoro cheko.
Woonekana Nekuchaja Kadhi
Pese mutengi paanoita kutengeserana achishandisa kadhi, vanobvisa purofiti muchitoro chako.
Machaji ekugadzirisa kadhi anogona kutanga pa1.5% kusvika 3.5%, asi mune dzimwe nguva, mari dzekutengesa dzinogona kunge dzakakwira se6-8% pakutengesa.
(Mufananidzo Kunobva:
David Proud, muridzi weHolme Valley Nhau mune Diki Bhizinesi muridzi David Proud, akaudza
“Semabhizinesi mazhinji, tiri kutora makadhi akawanda, saka zvakakosha semuridzi webhizinesi diki kuona kuti tichiri pachibvumirano chepamusoro.
Nekutenga kwakakura, kubhadharisa uku hakuonekwe, asi kumabhizinesi emuno anogadzirisa zvidiki zvekutengesa nguva nenguva, mari yekutengeserana inogona kuona purofiti yako ichinyura.
Kuunza muganho wekadhi kana kukurudzira kutengeserana kwemari kunovimbisa kuti madiki-mafomati ekutengesa machaji anoramba ari mashoma kuti uwane hutano hwemari sechitoro cheko.
Kuchengeta A Yakavimbika Cash Backup
Nguva dzose zvakakosha kuchengetedza mari inoyangarara muchitoro. Kupa masevhisi evatengi akadai sekudzoserwa mari kana shanduko yemanoti ekutengeserana kunogona kuita kuti chitoro chako chiwanikwe nevanhu veko vachiri kubhadhara nemari.
Nepo chitoro chisingafanire kusiya kubhadhara kwedhijitari, kuchengetedza chiyero kwakakosha kana iwe uchida kuita bhizinesi nevese veko vanopinda mukati.
Kuderedza Njodzi Yekubhadharisa
Imwe yemabhenefiti makuru ane chekuita nemari-yekutanga kubhadhara inyaya yekuti iwe unogamuchira mari yako nekukasira.
Kune mabhizinesi anogonesa nzira dzekubhadhara dzechikwereti, zvingangoita kuti kutengeserana kusaendeke kusvika mavhiki mushure mekutenga kwekutanga.
Zvinotonyanya kukosha, mari-yakavakirwa kubhadhara haina njodzi yekudzoserwa. Kune avo vanobatwa nehutsotsi hwekadhi rechikwereti, vanopa kadhi rechikwereti vanowanzo kumbira vatengesi kuti vadzorere / vadzorere kutengeserana kune ane kadhi rechikwereti.
Paunenge uchichinjira kumari-based payments yezvidiki zvekutengesa, unochengetedza nguva nemari pakuchajiswa pamusoro pemari diki akadaro. Izvi zvinovimbisa kuti mari yako inoyerera yakachengeteka sezvaunofungidzira purofiti yako.
Kufambisa Matambudziko Angangoitika
Nepo madiki ekutengesa emari anogona kuwedzera purofiti yebhizinesi rako, haauye pasina adzo anokanganisa.
Mamwe ematambudziko anogona kuitika ane chekuita nekutengesa mari-diki anosanganisira:
- Zvinetsekera: Miganho yekadhi pazvinoitika zvidiki haikodzeri kune chikamu chikuru chevatengi veUK.
- Njodzi Dziviriro: Imwe yemabhenefiti ekuenda cashless ndeyekuti mari yako inochengetwa nedhijitari. Kuchengeta mari yakawanda muchitoro kunogona kuvhura bhizinesi rako kune mushandi kuba uye kubira muchitoro.
- IRS Audits: Kana bhizinesi rako richivimba nemari, zvinogona kunetsa kugara wakarongeka uye kuramba uri pamusoro pekukanganisa kwevanhu. Mabhizinesi emari-chete dzimwe nguva anomiswa kuti anzvenge kubhadhara mutero. Izvi zvinoreva kuti avo vanotambira mari vanongove iyo IRS odhita mureza mutsvuku.
The Bottom Line
Pakupera kwezuva, mabhizimisi akabudirira zvikuru mumugwagwa mukuru ndeaya anochengetedza chiyero kana zvasvika pakubhadhara muchitoro.
Kiyi yekupedzisa kutengesa ndeyekupa vatengi makumi ezviuru zvesarudzo dzekubhadhara. Izvi zvinosanganisira mari, hongu, asi ita shuwa kuti yako POS system yave kusvika uye inogona zvakare kugamuchira kubhadhara kadhi uye smartphone-based transaction.
Nepo mari isisiri mambo, ichiri nzira yakakosha yekubhadhara iyo nzanga haifanirwe kukurumidza kukanganwa.
