Kamangidwe kakakulu ka chikwama kamatha kukhala ndi makhadi akubanki, ma kirediti kadi, zolemba mabanki, zolipira, makhadi a ID, ndi zina zambiri, ndi maudindo 6 a makhadi a ngongole, osavuta kugwiritsa ntchito. Maudindo awiri osungirako banki, omwe ndi osavuta pazosowa za ogwiritsa ntchito. Ndipo chophimba chosavomerezeka, chokhala ndi zenera la ID, mutha kuchotsa ID kapena layisensi mosavuta.