Ukwehla kwamandla emali kufana nentela ehlanganisiwe ehlanganisayo emalini ewuketshezi. Uma izintengo zezimpahla zansuku zonke zabathengi namasevisi zikhuphuka, iyunithi ngayinye yohlobo lwemali ilahlekelwa amandla ayo okuthola lezo zimpahla ezifanayo ncamashi. Ngisho noma isamba esivamile esingaphakathi kwe-akhawunti yasebhange sihlala singashintshile, amandla okuthenga esikhathi sangempela ehla kakhulu.
Lolu hlelo lusebenzisa amamodeli esaphulelo ahlanganiswe ndawonye ukuze kubalwe ukuwohloka kwethemu yangempela yemali. I-algorithm eyisisekelo ihlola ifomula yezibalo: Inani Langempela = Inani Lebizo / (1 + Isilinganiso Sokwehla Kwamanani Emali)^Iminyaka. Ngokwenza ikhompuyutha lolu hlangothi lwekhasimende lesaphulelo sezikhathi eziningi, umbhalo uhlukanisa ngokushesha ukulahlekelwa kwenani eliphelele ngaphandle kokudluliselwa kokufakwayo kwezezimali kuwo wonke amanethiwekhi omphakathi, okwanelisa izindinganiso eziqinile zokusebenza kwedatha yokuphepha.
Ukuze kuvikelwe ukugcinwa kwemali yesikhathi eside ku-opharetha ngokwehlukana nokwephulwa kwezimali okujwayelekile, kususe izimali ezigciniwe zesikhathi eside ekwehleni kwezimali okujwayelekile. ama-akhawunti ediphozithi angakhiqizi ezinhlakeni zempahla ezikhiqizayo. Lokhu kufaka phakathi izinkomba zokulingana ezimakethe ezibanzi, izibambiso ezivikelwe ngokwenyuka kwamandla emali, noma izimpahla ezibonakalayo eziklanyelwe ukugcina ukulingana nezinkomba zamanani omthengi wezomnotho omkhulu.