Thaum mus txawv tebchaws, koj yuav tsum siv ntau txoj hauv kev ntawm kev them nyiaj rau cov kev pabcuam thiab khoom thauj. Nws yooj yim dua rau qee cov neeg ncig tebchaws siv daim npav yas, thaum lwm tus nyiam xaiv qhov nyiaj tsuas yog nyiaj ntsuab. Lub caij no, muaj txhais tau tias kev them nyiaj uas ua tiav cov txiaj ntsig zoo ntawm cov nyiaj tsis them nrog daim npav yas thiab nyiaj ntsuab - cov no yog cov neeg ncig xyuas lub tshev.
Yog tias koj tsis nyiam nqa cov npib thiab cov nqi ntawm ntau lub koos haum sib xyaw nrog koj thiab koj ntshai poob lossis cuam tshuam koj daim npav yas, coj cov neeg ncig xyuas ntawm koj qhov kev mus ncig. Cov tshev mus ncig teb chaws yog qhov kev siv nyiaj thoob ntiaj teb uas siv tau los them rau kev yuav khoom hauv khw, kev pabcuam hauv cafes, tsev so, khw noj mov, khw noj mov, chaw nres tsheb ciav hlau thiab chaw tos qhua, chaw nres tsheb roj thiab hauv chaw tos tsheb. Ib qho ntxiv, lawv tuaj yeem sib pauv nyiaj ntsuab rau hauv txhab nyiaj lossis ntawm cov chaw hloov pauv tshwj xeeb lub sijhawm twg los tau. Txhawm rau ua qhov no, nws yog qhov tsim nyog, nyob rau hauv lub xub ntiag ntawm tus neeg luj khoom, kom muab lub npe thib ob rau hauv qab ntawm daim tshev.
Leej twg tshaj tawm cov neeg ncig teb chaw pom thiab lawv zoo li cas?
Tus tshaj lij tshaj plaws ntawm cov neeg ncig xyuas cov tshev yog American Express. Ib qho ntawm nws tus tswv Flemming Bury hauv 1891 tau tsim cov ntaub ntawv no, uas tau ntau dua 120 xyoo nws yog ib qho ntawm txoj kev nyiam tshaj plaws ntawm kev them nyiaj. Cov neeg taug kev kuaj xyuas Visa Kev Sib Hloov, Thomas Cook Mastercard, CitiCorp tau ncig rau niaj hnub no. Ntxiv rau cov tuam txhab no, cov tshev mus ncig txawv tebchaws yog muab los ntawm qee lub txhab nyiaj nyob txawv tebchaws thiab cov neeg ncig xyuas ncig tebchaws coob.
Cov tshev ncig tebchaws yog cov tshev tus kheej, txij li lawv qhia lub npe thiab lub npe ntawm nws tus tswv. Txuas ntxiv, txhua daim tshev muaj nws lub ntsej muag tus nqi, txiaj ntawm kev them nyiaj, thiab lub tuam txhab muab tawm. Tag nrho cov kev ua haujlwm nrog cov tshev nyiaj yog tsim los ntawm kev nthuav qhia cov ntaub ntawv ntiag tug. Qhov tseeb ntawm daim tshev neeg ncig xyuas yog suav tias muaj pov thawj yog tias qhov kos npe ntawm nws tus neeg tuav nyob rau sab saud thiab hauv qab ntawm daim ntawv yuav zoo ib yam rau txhua tus.
Qhov twg yuav lossis pauv cov neeg ncig xyuas cov tshev?
Hauv Lavxias, cov neeg ncig xyuas tshev tau ncig thoob plaws hauv 90s ntawm lub xyoo pua xeem. Lawv tsis tau siv dav dav, vim tias cov neeg Lavxias feem ntau siv cov tshev yog ib qho khoom siv los khaws nyiaj txawv teb chaws thiab tsuas yog qee zaum yuav lawv rau kev ncig xyuas tebchaws.
Kev ruaj khov ntawm cov nqi ruble pauv, cov neeg muaj npe nrov ntawm daim npav yas thiab muaj cov kev them nqi hluav taws xob tau txo qis cov koob npe ntawm traveller cov tshev, thiab qhov tsis kam ntawm Sberbank mus muag rau lawv los ntawm nws cov ceg ua kom tiav kev lag luam. Txij li thaum Lub Yim Hli 2013, American Express tau tso tseg muag traveller cov tshev hauv Russia. Niaj hnub no hauv peb lub tebchaws nws raug tso cai them nrog traveller cov tshev tsuas yog hauv cov khw muag khoom lub luag haujlwm. Koj tuaj yeem rho nyiaj hauv lawv hauv qee lub txhab nyiaj, piv txwv, hauv Svyaz-Bank.
Cov npe nrov ntawm traveller lub tshev txawv teb chaws yog qhov siab heev. Koj tuaj yeem yuav lawv ntawm txhua lub tuam txhab tso nyiaj, Asmeskas Express kos kev yuav khoom thiab muag cov chaw muag khoom, thiab nyob hauv cov tsev tos qhua loj. Koj tuaj yeem pom qhov chaw nyob ze ntawm kev muag cov tshev hauv lub vev xaib ntawm cov tuam txhab ua lag luam. Rau kev them nyiaj rau cov neeg ncig xyuas lub tshev, cov nyiaj them nqi yuav raug them, tus nqi uas yog li 0.5 txog 2.5%.
