Ikusasa Ukuxhumana kweBizum namazwe ayi-13 aseYurophu Lokhu kuvula umnyango oya enkathini entsha yokukhokha kwamanye amazwe ngaphakathi kwe-European Union. Umqondo uwukuthi ukuthumela imali koxhumana nabo kwamanye amazwe kuzoba lula njengoba kwenza eSpain namuhla, usebenzisa uhlelo lokusebenza lwebhange olufanayo olusebenzisa njalo futhi ngaphandle kokushintsha imikhuba yakho.
Lo mkhankaso usekelwe esivumelwaneni phakathi I-Bizum nezinye izinhlelo zokukhokha zeselula zaseYurophu Lokhu kuzovumela abantu abangaphezu kwezigidi ezingu-330 ukuthumela nokwamukela imali ngokushesha, ngokuphephile, futhi benolwazi olufanayo lomsebenzisi abalujwayele emakethe yabo yasekhaya. Umgomo ucacile: ukwenza izimpilo zansuku zonke zabasebenzisi zibe lula, futhi ngesikhathi esifanayo, kuqiniswe ukuzimela kweYurophu ekukhokheni.
Isivumelwano saseYurophu sokuxhumanisa izinkokhelo zeselula
Lo msebenzi waqala ngokusayinwa kwe- Isivumelwano Sokuqondana (MoU) phakathi kweBizum, iBancomat, i-SIBS-MB WAY, iVipps MobilePay kanye ne-European Payments Initiative (EPI), esebenza ngesisombululo sayo seWero. Zonke lezi zinkundla ziyingxenye yalokho okwaziwa ngokuthi I-EuroPA Alliance, okuhlanganisa ndawonye abahlinzeki bokukhokha bedijithali abaphambili bezwekazi.
Ngokukhethekile, isivumelwano sokubambisana sihilela IBizum (eSpain)I-Bancomat (e-Italy), i-SIBS-MB WAY (ePortugal), i-EPI/Wero (esebenza eFrance, eJalimane naseBelgium), kanye ne-Vipps MobilePay (esebenza eDenmark, eFinland, eNorway naseSweden). Lezi zixazululo zihlanganisa isamba semali engenayo. Amazwe ayi-13 aseYurophu kanye nesisekelo esingaba khona sabantu abangaphezu kwezigidi ezingu-330.
Imemorandamu iphawula ukuqala kwesigaba se- ukuqaliswa kobuchwepheshe yephrojekthi, lapho kuzokwakhiwa khona izindlela ezidingekayo ukuze amapulatifomu asevele ekhona ezweni ngalinye akwazi ukuxhumana ngaphandle kokuba umsebenzisi enze noma yini ehlukile kulokho akwenzayo namuhla.
Lesi sinyathelo sibhekwa njengesinyathelo sangasese esiqhutshwa yimboni yokukhokha yaseYurophu uqobo, ehlose ngcono ukusebenza kahle kwesistimu, ukwethula izinto ezintsha ezengeziwe nokunciphisa ukuhlukana kwemakethe, ngaphandle kokuthembela kakhulu engqalasizinda engaphandle kwe-European Union.
Isikhungo esiyinhloko sokusebenzisana kwamapulatifomu ahlukahlukene
Ukuze ukuxhumana kube ngokoqobo, abalingani besivumelwano bazokwakha inhlangano emaphakathi unesibopho sokuphatha ukusebenzisana phakathi kwazo zonke izinhlelo ezihilelekile. Le nhlangano izosebenza njenge- isikhungo sobuchwepheshe okuzoxhumanisa amapulatifomu ahlukene kazwelonke, ngaphandle kokuwashintsha noma ukuwasusa.
Umsebenzi walesi sikhungo kuzoba ukuxhumanisa nokuhambisa izinkokhelo ukusuka kwelinye izwe kuya kwelinye, kusetshenziswa Ingqalasizinda nezindinganiso zaseYurophu izinhlelo ezikhona. Ngale ndlela, umsebenzisi ngamunye uzoqhubeka nokusebenzisa uhlelo lwakhe lokusebenza lwasebhange olujwayelekile, kodwa izinkokhelo zizokwazi ukuwela imingcele kalula.
Ukusetshenziswa kwezindinganiso ezivamile kuzovumela ukudluliselwa okusheshayo phakathi kwabantu, okwaziwa ngokuthi P2P izinkokhelokufanele kwenziwe kalula njengasezingeni likazwelonke. Ngaphezu kwalokho, ukuzibophezela engqalasizinda yaseYurophu kuhlose Ukuqinisa ubukhosi bezobuchwepheshe kanye nezezimali yeNyunyana, kunciphisa ukuncika kubalingisi abakhulu bamazwe ngamazwe.
Umhlahlandlela ubikezela ukuthi ukuqaliswa kobuchwepheshe Izoqala ezinyangeni ezizayo, amaqembu avela ezinhlelweni ezahlukene zokukhokha esebenza ngendlela ehlelekile ukuqinisekisa ukuthi ulwazi lomsebenzisi wokugcina luhlala lufana futhi luphephile kuwo wonke amazwe ahilelekile.
Ishejuli: izinkokhelo zokuqala phakathi kwabantu ngabanye, bese kuba sezitolo
Ukufakwa kwalokhu kuxhumana kuzokwenziwa ngezigaba, kunikezwe kuqala izinkokhelo phakathi kwabantu ngabanyeokuyizinto ezivame kakhulu ekusetshenzisweni kwansuku zonke kwalezi zinhlelo zokusebenza. Okulindelekile ukuthi izinkokhelo zomuntu siqu ezivela kwamanye amazwe zizoba ukusebenza ngo-2026, uma intuthuko yobuchwepheshe edingekayo kanye nokuhlolwa sekuqediwe.
Esigabeni sesibili, ukubambisana kulindeleke ukuthi kunwetshwe ku- izinkokhelo ezitolo ezingokoqobo nasezitolo eziku-inthanethiUmgomo uwukuthi, kusukela ngo-2027, abasebenzisi bazokwazi ukukhokha ezindaweni zokuthengisa kanye namapulatifomu e-e-commerce kwamanye amazwe abambe iqhaza besebenzisa ikhambi elifanayo lokukhokha abalisebenzisa ebhange labo.
Lokhu kuthuthuka kuzovumela uhlelo ukuthi lungagcini nje ngokusetshenziselwa ukudlulisela imali kubangani noma emndenini waphesheya, kodwa futhi thenga ezitolo kwamanye amazwe njengokungathi kuyintengiselwano yendawo, okwenza kube lula ukukhokha ngokuhamba kanye nokuthenga okuku-inthanethi okuwela imingcele.
Ngalesi sikhathi, imboni yezinkokhelo yaseYurophu ifuna ukwenza igxathu elifanele ekuhlanganisweni kwemakethe eyodwa, ilungisa izikhathi zokugcina zibe yinkimbinkimbi yobuchwepheshe kanye nemithetho ehilelekile ekuxhumaneni. izinhlelo eziningi zikazwelonke ngaphansi kwemithetho efanayo yomdlalo.
Ukusekelwa okuvela ezinhlanganweni zabaqashi basebhange kanye nendima yomkhakha wezezimali
Izinhlangano ezintathu ezinkulu zabaqashi bamabhange aseSpain, I-AEB, i-CECA kanye ne-UnaccBaveze obala ukusekela kwabo lokhu kuxhumana kwezinhlelo zokukhokha zeselula zaseYurophu. Esitatimendeni esihlanganyelwe, bagcizelele ukuthi kuyisinyathelo esibalulekile sokuthuthukisa izinkokhelo e-EU kanye nokuthuthukisa ukuzimela kwezwekazi.
Lezi zinhlangano, eziyingxenye yezinhlangano zomkhakha wezezimali zaseYurophu i-EBF, i-ESBG kanye ne-EACB, ziphikisana ngokuthi izinhlelo eziholwa yimboni Ziyisihluthulelo sokuthuthukisa izinto ezintsha kanye nokusebenza kahle, zisebenzisa amakhono obuchwepheshe kanye nengqalasizinda yomkhakha wamabhange aseYurophu.
Njengoba bechazile, inhlanganisela ye ubukhulu bamabhangeOkuhlangenwe nakho ekuphathweni kwezingozi kanye nengqalasizinda yokukhokha esivele isetshenziswe eYurophu kuvumela ukuthuthukiswa kwezixazululo ezincintisanayo emhlabeni wonke, ngaphandle kokulahla ukulawula kweYurophu kwedatha kanye nengqalasizinda ebalulekile.
Ukusekelwa okuvela ezinhlanganweni zabaqashi nakho kuhunyushwa njengophawu lokuqiniseka ukuthi lolu hlobo lokubambisana phakathi kwezinhlelo zikazwelonke lungaba inkomba yeminye imisebenzi yokuhlanganiswa kwezezimali ngaphakathi kweNyunyana, ikakhulukazi ezindaweni lapho kusekhona ukuhlukana phakathi kwamazwe.
I-Bizum eSpain: ukwanda kwezwe kanye nokugxuma kwamazwe ngamazwe
Endabeni yeSpain, I-Bizum isisunguliwe Njengesixazululo esihamba phambili sokukhokha okusheshayo kontanga, ithola ukuthandwa okwandayo ezitolo ezingokoqobo neziku-inthanethi. Iqhutshwa umkhakha wamabhange waseSpain, ipulatifomu igcina izinga lokukhula elimangalisayo kokubili kubasebenzisi kanye nokuthengiselana.
Ngo-2025, inani labantu abasebenzisa iBizum eSpain ladlula 30 izigidi zabasebenzisiLokhu kumele ukwenyuka okungu-13,2% uma kuqhathaniswa nonyaka odlule. Cishe [inani elingekho] lenziwa nsuku zonke. Izinkokhelo eziyizigidi ezingu-3,4 ngokusebenzisa isicelo, ngenani eliphelele elingaphezu kwama-euro ayizigidigidi ezingama-67.000 unyaka wonke.
Ngaphezu kokusetshenziswa kwayo phakathi kwabantu ngabanye, i-Bizum isisunguliwe njengendlela yokukhokha endaweni yezentengiselwano: cishe Izitolo ze-e-commerce namapulatifomu angu-111.000 Sebavele bamukela lesi sixazululo njengendlela yokukhokha, okuqinisa ukuba khona kwabo empilweni yansuku zonke yabathengi.
Kanye nalokhu kukhula kwangaphakathi, iBizum isiqalile inqubo ukwanda kwamazwe ngamazweKusukela ngoMashi 2025, kuye kwenzeka ukwenza izinkokhelo ngaphesheya kwemingcele nabasebenzisi e-Italy, ePortugal nase-Andorra, isinyathelo sokuqala esizoqiniswa ngokuxhumana kwesikhathi esizayo namanye amazwe afakiwe esivumelwaneni saseYurophu.
Ukuhlanganiswa okukhulu kweYurophu kanye nokuncika okuncane kwamanye amazwe
Iphrojekthi yokuxhumanisa iBizum namanye amazwe ayi-13 aseYurophu ihambisana nesu elibanzi le-European Union lokunqoba ukuzimela kweqhinga emkhakheni wezezimali kanye nobuchwepheshe. Ngokwakha inethiwekhi yayo yokukhokha yeselula esebenzisanayo, iYurophu ihlose ukunciphisa ukuchayeka kwayo kubahlinzeki abangebona abaseYurophu emkhakheni obucayi njengezinsizakalo zokukhokha.
Lesi sinyathelo sisebenzisa Ingqalasizinda nezindinganiso zaseYurophu Isebenzisa amandla omkhakha wamabhange wezwekazi kanye nabahlinzeki bezinsizakalo zokukhokha. Le ndlela ihlose ukukhuthaza ukusungula izinto ezintsha kanye nokusebenza kahle ngaphakathi kohlaka lwaseYurophu, ihlonipha ukuphepha kwayo, ubumfihlo, kanye nezindinganiso zokuvikela abasebenzisi.
Kuzakhamuzi, inzuzo enkulu izoba ithuba lokuthi thumela futhi wamukele imali kahle kwamanye amazwe e-EU, ngaphandle kwesidingo sokushintsha izinhlelo zokusebenza noma ukuzivumelanisa nezinhlelo ezintsha. Kumabhizinisi, ikakhulukazi lawo athengisa ku-inthanethi, lokhu kuvula umnyango we- isisekelo esikhulu samakhasimende angaba khona abangakukhokha ngamathuluzi abawazi kakade.
Sekukonke, ukuxhumana kweBizum nezinye izinhlelo zaseYurophu kukhomba isimo lapho izinkokhelo zemingcele ngaphakathi kweYurophu zizofana kakhulu nezinkokhelo zezwe, kokubili ngesivinini nangokulula, okuqinisa ukuhlanganiswa komnotho kwemakethe eyodwa.
