Imali iyiphi into noma irekhodi aqinisekiswe olwamukelwa njengoba ukukhokhelwa ngoba izimpahla namasevisi kanye ukubuyiswa kwemali of izikweletu, ezifana izintela, ezweni elithile noma izimo zenhlalo yomphakathi nezomnotho umongo.Imisebenzi esemqoka yemali ihlukaniswa njenge: indlela yokushintshanisa, iyunithi ye-akhawunti, isitolo senani futhi kwesinye isikhathi, izinga lokukhokha elihlehlisiwe .Noma iyiphi into noma irekhodi eliqinisekisiwe eligcwalisa le misebenzi lingathathwa njengemali. Ukufeza imisebenzi yayo ehlukahlukene, imali kufanele ibe nezakhiwo ezithile: Ukubonakala : izingxenye zayo ngazinye kufanele zikwazi ukufaka ngokuvumelana (okungukuthi, ukushintshana). Ukuqina : uyakwazi ukumelana nokusetshenziswa okuphindaphindiwe. Ukuhlukaniswa: kuhlukaniswa ngamayunithi amancane. Ukuphatheka: kuthwalwa kalula futhi kuthuthwe. Ukwaziwa: inani layo kufanele likhonjwe kalula. Ukushoda: ukutholakala kwayo ekusakazeni kufanele kukhawulelwe. Kuzinhlelo zamanje zezomnotho, imali idalwa ngezinqubo ezimbili: Ithenda yezomthetho, noma imali encane (M0) yimali eyenziwe yiCentral Bank ngokudweba izinhlamvu zemali nokuphrinta imali engamaphepha. Imali yasebhange, noma imali ebanzi (M1 / M2) yimali eyenziwe ngamabhange azimele ngokuqoshwa kwemali mboleko njengamadiphozi amaklayenti abolekayo, ngokuxhaswa okuyingxenye okukhonjiswe isilinganiso semali.Njengamanje, imali yasebhange yenziwa njengemali ye-elektroniki. Emazweni amaningi, iningi lemali lenziwa kakhulu njenge-M1 / M2 ngamabhange ezentengiselwano enza imalimboleko.