Liyini ibhange lomthengisi?
Ibhange lokuhweba ngokomlando ibhange elibhekene nemalimboleko yezohwebo nokutshalwa kwezimali. Ukusetshenziswa kwamanje kweBrithani kufana nebhange lokutshala izimali. Amabhange omthengisi ayeyizinhlangano zokuqala zamabhange zanamuhla futhi asuka kubathengisi bangenkathi ephakathi abahweba ngempahla, ikakhulukazi abathengisi bezindwangu. Ngokomlando, inhloso yamabhange omthengisi kwakuwukwenza lula futhi/noma ukuxhasa ukukhiqizwa nokuhweba kwezimpahla, yingakho igama elithi "umthengisi". Ambalwa amabhange namuhla agcina imisebenzi yawo emkhakheni omncane kangaka.  Ukusetshenziswa kwamanje e-United States, leli gama liye lathola incazelo emincane, futhi libhekisela esikhungweni sezezimali esinikeza imali ezinkampanini ngendlela yobunikazi besabelo esikhundleni semalimboleko. Ibhange lezentengiselwano linikeza nezeluleko ezindabeni zezinkampani ezinkampanini ezitshala kuzo imali.