Izinkokhelo zeselula seziyinto evamile kumakhasimende eCaixaBank. Ibhange lifinyelele ingqophamlando entsha ngoJuni ngenani elikhulu lokuthengiselana okwenziwe ngama-smartphone nama-smartwatches. Le datha ibonisa umkhuba okhulayo manje omelela ingxenye ebalulekile yazo zonke izithengo zamakhadi.
Ngokusho kwedatha enikezwe yibhange, abasebenzisi benze izinkokhelo zeselula eziyizigidi ezingu-750,8 phakathi kukaJanuwari noJuni, okungu-27,5% ngaphezulu kunangesikhathi esifanayo ngonyaka odlule. NgoJuni kuphela kube nokuthengiselana okungu-139,7 million, okuyinani eliphakeme kakhulu lanyanga zonke elirekhodiwe. Lezi zibalo ziqinisekisa ukuthi izinkokhelo zeselula sezibe yindlela engcono kakhulu yokukhokha amakhadi angokoqobo.
Ingxenye yokuqala yonyaka ephula amarekhodi
Ukukhula kwezinkokhelo zeselula akwehlanga. Engxenyeni yokuqala ka-2026, amakhasimende e-CaixaBank enze ukuthengiselana kweselula okungaphezu kwezigidi ezingu-750 , okuwukwenyuka okungu-27,5% uma kuqhathaniswa nesikhathi esifanayo sonyaka odlule. Lokhu kukhula kuqhutshwa ukulula kwezinkokhelo ezingenakuthintana kanye nokuhambisana okubanzi kwamakhadi nezinsizakalo ezahlukahlukene.
UJuni ube yinyanga enamandla kakhulu. Njengoba kunezinkokhelo eziyizigidi ezingu-139,7 , kudlule wonke amarekhodi angaphambilini. Ibhange lichaza lesi sibalo njengerekhodi futhi ligcizelela ukuthi ukuthambekela okukhulayo kuzoqhubeka ezinyangeni ezizayo.
Esinye isici esibalulekile ukubaluleka okukhulayo kokukhokha ngeselula ekuthengweni kwamakhadi jikelele. Ngokusho kwedatha enikezwe yiCaixaBank, cishe u-44% wokuthengiselana ngamakhadi ebhange manje kwenziwa ngamadivayisi eselula noma izinto ezigqokwayo . Ngamanye amazwi, cishe okukodwa kokubili kokuthenga kukhokhelwe ngocingo noma iwashi.
Amakhasimende engeziwe namakhadi axhunyiwe
Inani labasebenzisi abakhokha ngamaselula abo liyaqhubeka nokukhula kancane kancane. Ezinyangeni eziyishumi nambili ezedlule, amakhasimende eCaixaBank athenga ngamaselula awo akhuphuke ngo-18%, afinyelela ezigidini ezingu-5,73 . Inani lamakhadi axhunywe kumadivayisi edijithali nalo likhuphukile, landa ngo-17,8% laya ezigidini ezingu-8,6.
Lezi zibalo zisho ukuthi ingxenye yesine yawo wonke amakhadi akhishwe yibhange manje axhunywe kudivayisi yokukhokha. I-CaixaBank inephothifoliyo yamakhadi acishe abe yizigidi ezingu-35 eSpain, amakhulu kunawo wonke ezweni, futhi iningi lawo lingasetshenziswa kusuka kuselula noma ku-smartwatch.
Ukuzibophezela kwebhange kudlula izinombolo. Amakhasimende angaxhumanisa amakhadi awo nezinkundla zokukhokha zeselula ezihamba phambili njenge- Apple Pay, i-Google Pay, i-Samsung Pay, i-Garmin Pay, i-Swatch Pay, kanye ne-Fidesmo Pay . Lezi zixazululo zivumela izinkokhelo ezingenakuthinta ezitolo, kanye nezinhlelo zokusebenza ze-e-commerce namawebhusayithi, konke kusuka kumafoni abo.
Ukuphepha kanye nolwazi lomsebenzisi
Ibhange ligcizelela ukuthi izinkokhelo zeselula azifaki engcupheni ukuphepha. Ukuthengiselana kuvikelwa yizingqimba ezintathu zokuphepha futhi kugunyazwe kusetshenziswa izinhlelo ze-biometric ezifana neminwe noma ukuqashelwa kobuso. Lokhu kunegalelo ekuhlangenwe nakho okubushelelezi, okuphephile, nokwenziwe ngezifiso , njengoba kugcizelela iCaixaBank.
Ukulula kungenye into echaza impumelelo yayo. Abasebenzisi bangaphatha amakhadi amaningana ahlanganiswe kudivayisi bese bekhetha ukuthi yiliphi abazolisebenzisa nganoma yisiphi isikhathi. Ngaphezu kwalokho, amawashi ahlakaniphile nezinye izinto ezigqokwayo zivumela ukukhokha ngaphandle kwesidingo sokuthatha isikhwama semali, kuyilapho zinikeza nezici ezahlukahlukene zokuphepha zokukhokha ngeselula.
Umthelela esu ledijithali
Le nqubekela phambili iyingxenye yohlelo lweCaixaBank luka-2025-2027, olugxile ekuguqulweni kwedijithali kanye nokwamukelwa kobuchwepheshe obusha. Leli bhange selivele linamakhasimende edijithali ayizigidi ezingu-13 eSpain , njengoba selingeze ngaphezu kuka-600.000 ngonyaka odlule, okulibeka phambili emkhakheni wezezimali.
Ngaphezu kwalokho, ngenkampani engaphansi kwayo i-CaixaBank Payments & Consumer, leli qembu lihola imakethe yezinkokhelo zase-Iberia. Sekukonke, banamakhadi angaphezu kwezigidi ezingu-35 eSpain nasePortugal, amakhasimende angaphezu kwezigidi ezingu-19, kanye nephothifoliyo yemalimboleko evelele edlula ama-€13.000 billion. Isabelo sabo semakethe sokuthengiselana kokuthenga eSpain sifinyelela ku-31%.
Uma sibheka phambili, inhlangano ilindele ukuthi izinkokhelo zeselula ziqhubeke nokukhula. Ngokusho kwezibikezelo zayo, iphesenti lokuthengiselana okwenziwe ngeselula lingakhuphuka kakhulu ezinyangeni ezizayo, liqhutshwa ukwanda kobuchwepheshe obungenakuthinta kanye nesithakazelo sabasebenzisi kubuchwepheshe bokukhokha besikhathi esizayo nobusheshayo.
Idatha eyethulwe yiCaixaBank yembula umkhuba ongenakunqandeka: izinkokhelo zeselula sezibe yinto ebalulekile endleleni abantu baseSpain abakhokha ngayo. Njengoba kunezinkokhelo eziyizigidi ezingu-139,7 ngenyanga eziqopha umlando kanye nokukhula okuqhubekayo okungu-27,5% engxenyeni yokuqala yonyaka, ibhange lihlanganisa ubuholi balo ekwenzeni izinkokhelo zibe zedijithali. Ukuhlanganiswa kokunethezeka, ukuphepha, kanye namapulatifomu ahlukahlukene kusikisela ukuthi lo mkhuba uzoqhubeka nokukhula eminyakeni ezayo.
