Erɔpu ka $24T Breakup ni Visa ani Mastercard Damina

Erɔpu bɛ ka a ka san tan caman jɔyɔrɔ tiɲɛ Visa ni Mastercard kan, ka wari sarali suguba dɔ ɲɛsin min bɛ mɔgɔ kabakoya, n’o ye dɔrɔmɛ miliyari 24 ye, ka taa a ɲɛsin yɛrɛmahɔrɔnya, jamana kɔnɔ, fɛn wɛrɛw ma. Nin wariko jiginni in bɛ ka fɛn caman sɛmɛntiya kokura, jagokɛlaw bɛ wari sarataw lajɛ cogo min na farafinna kɔnɔ, ka wariko ɲɛnabɔ, ani ka kiliyanw ni ɲɔgɔn cɛ jɛɲɔgɔnyaw sabati — wa a nɔfɛkow ka bon kosɛbɛ jagokɛlaw ni PMEw ma.

K’a ta Erɔpu wariko tɔnba (EPI) y’a ka Wero waribɔlan daminɛ na ka se jamana ka bolodalenw ma minnu bɛ sariyasunba kɔkanna sɔrɔ, Erɔpu ɲɛmɔgɔw bɛ ka sarako yɛrɛmahɔrɔnya minɛ i n’a fɔ sɔrɔko lakanani ko, a tɛ kɛ nɔgɔya dɔrɔn ye. Jagokɛlaw fɛ, nin jiginni in faamuyali tɛ ŋaniyata ye tugun — a ye fɛɛrɛ wajibiyalen ye.

Mun na Erɔpu bɛ ka kari ni Visa ni Mastercard ye sisan ?

kari in bɛ ka jɔ kabini san caman . Erɔpu sariyasunbatigiw ni bankiw sanfɛla ye jɔrɔnanko ye kabini tuma jan, k’a sababu kɛ ko karti jago 70% ɲɔgɔn bɛ kɛ farafinna kɔnɔ, Ameriki rezow fɛ minnu sigiyɔrɔba bɛ kilomɛtɛrɛ ba caman bɔ. San 2020 daminɛ na, dugukoloko gɛlɛyaw, n’o farala wariko infɔrɔmasiko marifaw kɛli kan diɲɛ jamanaw ka sankɔrɔta la, o ye Erɔpu politikitɔnw wajibiya ka gɛlɛya jɔnjɔn dɔ kunbɛn : u ka dɔrɔmɛ miliyari 24 sarali ekosisɛti bɛ boli jamana wɛrɛw ka nɛgɛso kan.

Erɔpu Banki Cɛmancɛ ye nin jigiya in jira siɲɛ caman ko farati min bɛ sigida la . Ni Visa walima Mastercard bɛ se ka jagokɛlaw bila ka jɔ — i n’a fɔ a kɛra cogo min na ni Irisi tɔn dɔw ye — o y’a jira ko Erɔpu tɔnw tun tɛ se ka fanga dɔgɔya cogo min na tiɲɛ na u yɛrɛ ka wariko pɔnpeko kan. Jaabi in kɛra ɲɔgɔn fɛ ani ka teliya : sariyasunba degun, foroba nafolo caman donna jamana kɔnɔ fɛɛrɛ wɛrɛw la, ani politiki bɛnkan min b’a jira ko sarako yɛrɛmahɔrɔnya bɛ fanga yɛrɛmahɔrɔnya kɛrɛfɛ, n’o ye Erɔpu yɛrɛmahɔrɔnya jɔyɔrɔba ye.

ye

"Farafinna min tɛ se k'a yɛrɛ ka sarako infɔrɔmasiko kɔlɔsi, o tɛ se ka sɔrɔko yɛrɛmahɔrɔnya lakika fɔ. Erɔpu ka dɔrɔmɛ miliyari 24 min bɛ sen na, o tɛ jate dɔrɔn ye — a ye yɛrɛmahɔrɔnya ye min bɛ suman jagokɛtaw la."(Alimankan na) — Erɔpu Banki Cɛmancɛ ka politiki kunnafoni, san 2024

Erɔpu fɛɛrɛ wɛrɛw bɛ ka jatigɛ sɔrɔ tiɲɛ na ?

Fɛɛrɛ damadɔ minnu bɛ se ka da a la, olu bɛ ka bɔ piloti dakun na ka taa a tacogo kɔrɔ la UE kɔnɔ . nin sigida ninnu faamuyali bɛ jagokɛlaw dɛmɛ u ka u labɛn fɛnsɔrɔsiraw kama u bɛna minnu dɛmɛ ka taa a fɛ :

• Wero (EPI Wallet): Erɔpu wariko tɔnba ye min daminɛ, Wero ye waribɔ nizɛri kelen ye min sigilen bɛ Alimanjamana, Faransi ani Bɛliziki kaban, min ɲɛsinnen bɛ ɲɔgɔndan ni jagokɛlaw ka wari sarali ma, n’a laɲini ye ka kariti rezow bɛɛ bila u nɔ na don o don jagokɛtaw la.
• SEPA ka jurudon teliya la (SCT Inst): Erɔpu tɔnba ka yamaruya b’a ɲini sisan Erɔpu jamanaw ka bankiw bɛɛ fɛ, u ka wari bilali teliya la tile 24/7/365, ka wari sarali kɔkolo dɔ dabɔ waati yɛrɛ la min bɛ kariti rezow tɛmɛn walasa ka jago kɛ jatebɔsɛbɛn ni jatebɔ la.
• iDEAL ( Pays-Bas ), Bizum ( Ɛsipaɲi ), ani PayLib ( Faransi ): jamana ka ntolatantɔn ŋana minnu bɛ ka fara ɲɔgɔn kan EPI ka parasol kɔrɔ , ka nin sigida fɛɛrɛ sɛgɛsɛgɛlen ninnu di dancɛ tigɛcogo ma a siɲɛ fɔlɔ la .
• Erɔ nizɛri (CBDC) : Erɔpu Banki Sentɛrɛli ka Banki Cɛmancɛ ka Wari Nizɛri piloti bɛ ka taa ɲɛ , ni feereli daminɛni bɛ se ka kɛ min bɛna kɛ sababu ye ka wari sarali nɛgɛso dɔ di jamana ka dɛmɛn ma pewu min tɛ mɔgɔ kelen ka rezow kɔlɔsili kɔfɛ pewu .
• Banki da wulilen PSD2/PSD3 fɛ : Erɔpu jamanaw ka ɲɛtaa siratigɛ la, wariko siratigɛ la, olu ye sariyasunba dɔ sigi senkan min bɛ se ka kɛ sababu ye ka banki ni jagokɛlaw ka wari sarali tilennen kɛ, ka dɔ bɔ fɛnw falenfalen musakaw la ani kartiw tali la waati kelen na.

O jiginni bɛ nɔ bila jagokɛla misɛnw ni jagokɛla cɛmancɛw la cogo di ?

PMEw ta fan fɛ , a nɔfɛkow bɛ sira fila bɛɛ tigɛ . Faan dɔ fɛ, Visa ni Mastercard fanga dɔgɔyali bɛ layidu ta ko jago sara bɛna dɔgɔya — Erɔpu fɛn wɛrɛw ka fɛnw falenfalen hakɛw bɛ kɛ tuma caman na ni karti laadala musakaw tilayɔrɔba dɔ ye, o bɛ se ka kɛ ɛrɔ ba caman ye san o san jagokɛlaw bolo minnu bɛ baara kɛ ni hakɛba ye. Faan wɛrɛ fɛ, wari saracogo sugandilenw tila-tila bɛ baarakɛcogo gɛlɛya lase min bɛ se ka ekipu nɔgɔlenw degun ni fɛnsɔrɔsiraw bɛnnen tɛ.

Ka saracogo caman ɲɛnabɔ, ka jagokow bɛn ɲɔgɔn ma sigida suguya caman kɔnɔ, ani ka PSD3 wajibiyalenw labatoli sabati, o bɛ baarakɛcogo ɲuman hakɛ dɔ de wajibiya, jagokɛla caman tun tɛ min sɔrɔ tariku kɔnɔ. Nin wari saracogo kura in na, setigiw bɛna kɛ jagokɛlaw ye minnu bɛ wari bila sisan jago ɲɛnabɔli siraw la minnu bɛ se ka wuli ka bɔ ɲɔgɔn na, minnu bɛ se ka ladamu ni wari sarali kulu bɛ ka yiriwa u jukɔrɔ.

Erɔpu baarakɛlaw ka kan ka mun kɛ walasa k' u labɛn sisan yɛrɛ ?

jagokɛlaw minnu bɛ yiriwa nin jiginni in fɛ , olu bɛna kɛ minnu b' a jate sababu ye sanni ka kɛ tiɲɛni ye . Tiɲɛ na, labɛnni kɔrɔ ye k’i ka sisan wari sarata hakɛ jateminɛ walasa k’a dɔn sɔrɔko sira minnu bɛ bɔ Visa walima Mastercard nɛgɛsira dɔrɔn de la, o kɔfɛ, ka jɔ ka bɔ baara la ani ka fɛn caman sɛgɛsɛgɛ. O kɔrɔ fana ye k’i ka kiliyanw ka fɛɛrɛ ɲumanw faamuya jamana kɔnɔ — Alemaɲi B2B kiliyan bɛ se ka SEPA jiginni teliya fɛ kaban, k’a sɔrɔ Faransi kuntigi bɛ se ka sama ka taa Wero fan fɛ.

O nafa ka bon o cogo kelen na, o ye jagokɛlaw ka baarakɛminɛnw sugandili ye minnu t' i datugu sarako miirili kɔrɔw la. Erɔpu wari saracogo in bɛ ka yiriwa cogo min na san 2025 kɔnɔ ani o kɔfɛ, i ka CRM, fatura, ɛntɛrinɛti jago, ani wariko dakunw bɛɛ ka kan ka kan kelen fɔ — waati yɛrɛ la. baarakɛminɛn tilalen minnu jɔra kunun sarako diɲɛ kama, olu bɛna kɛ juru musakabaw ye, n’u jukɔrɔla fɛnsɔrɔsiraw bɛ ka wuli.

Yala Viza ni Mastercard ka Erɔpu fanga laban ye ko ye min tɛ se ka bali tiɲɛ na wa ?

Dɔgɔtɔrɔso? A bɛ se ka fɔ ko a bɛ ka dɔgɔya. Displacement dafalen wa? Ka tɛmɛ nuanced kan. Visa ni Mastercard tɛ baarakɛlaw ye minnu tɛ baara kɛ — u fila bɛɛ ye wariba don Erɔpu banki dafalenw na, wari sarali seko ni dɔnko waati yɛrɛ la, ani sigida jɛɲɔgɔnyaw kɛrɛnkɛrɛnnenya la walasa ka to nafa la nin jiginni in sababu fɛ. Min bɛ ban cogo jɛlen na, o ye u jɔyɔrɔ ye min tɛ sɔsɔ, n’o ye jɔyɔrɔ fɔlɔ ye, n’o ye sugandi jugu kelen ye Erɔpu jago nizɛrikan na.

Erɔpu Komisiɔn ka nafolosɔrɔsiraw nizɛri fɛɛrɛ , n' o farala SEPA Instant labɛnni wajibiyalen kan ani EPI ka waribɔko siratigɛ la min bɛ ka bonya , o ye sigikafɔ cogoyaw dabɔ ɲɔgɔndan lakika kama Erɔpu jagokɛlaw fɛ, o kɔrɔ ye ko wari sarali sigida min bɛ se ka fanga sɔrɔ, min bɛ se ka kɛ, nka a ka gɛlɛn fana, min bɛ se joona ka tɛmɛ mɔgɔ fanba b’a dɔn cogo min na.

Ɲininkali minnu bɛ kɛ tuma caman na

Yala Visa ni Mastercard bɛna baara dabila Erɔpu jamanaw na wa ?

Ayi — Visa ni Mastercard bɛna taa a fɛ ka baara kɛ Erɔpu jamanaw na waati nataw la. Yɛlɛma in ye ka dɔ bɔ dannayako la ani ka fɛɛrɛ wɛrɛw di jagokɛlaw ni feerekɛlaw ma minnu bɛ se ka da u kan, ka sɔrɔ ka rezo kɔrɔw ban su kelen kɔnɔ. Nka, sariyasunba degun min bɛ fɛnw falenfalen musakaw kan ani sirako sariyaw minnu bɛ kɛ ka ɲɛsin jamana kɔnɔ bolodalenw ma, o kɔrɔ ye k’u ka ɲɔgɔndan jɔyɔrɔ bɛna dɔgɔya dɔɔnindɔɔnin ka se san 2020 labanw ma.

Erɔpu wari saracogo caman bɛna nɔ bila n ka ɛntɛrinɛti feerekɛyɔrɔ ka waribɔcogo la cogo di ?

I ka jatebɔ bɛna kɛ sababu ye ka wari saracogo caman dɛmɛ walasa ka bɛn kiliyanw ka jigiya ma maraw kɔnɔ. Alemaɲi ni Ɔsitarali kiliyanw bɛ ka banki wari bilali makɔnɔ o yɔrɔnin bɛɛ; Faransi ni Bɛliziki feerekɛlaw bɛ ka Wero ta joona. Jagokɛyɔrɔ minnu bɛ laadala karti suganditaw dɔrɔn de jira, olu bɛ farati la ka bilali hakɛ caya, bawo fɛɛrɛ wɛrɛw bɛ jɔyɔrɔba sɔrɔ. I ka sarali dakun kurayali ani k’a lajɛ ko i ka jago OS bɛ fɛɛrɛ caman bɛnkan dɛmɛ, o ye ko ye min bɛna kɛ waati surun kɔnɔ.

PMEw mago bɛ baarakɛminɛn jumɛnw na walasa ka wuli ka taa Erɔpu wari saracogo kura la ?

PMEw mago bɛ jagokɛcogo jɛlen na min bɛ wari saracogo kunnafoniw ɲɛnabɔ ka bɔ yɔrɔ caman na, ka bɛnkanw ɲɛnabɔ otomatiki la, ka faturaw ɲɛnabɔ sara suguya bɛɛ la, ani ka wariko yecogo di waati yɛrɛ la, jago dɔ kɛra cogo o cogo. Point solutions minnu jɔlen bɛ wari saracogo kelen lamini na walima legacy card-centric assumptions bɛna data silos dilan minnu bɛ latigɛw kɛli sumaya tigitigi waati min na agility nafa ka bon kosɛbɛ.

Erɔpu ka dɔrɔmɛ miliyari 24 sarali jiginni ye sigikafɔba dɔ ye bi jago siratigɛ la — wa a bɛ ka kɛ sisan yɛrɛ, a tɛ kɛ siniɲɛsigi yɔrɔjan dɔw la. Jagokɛlaw minnu bɛ wari bila bi baarakɛyɔrɔw la minnu bɛ se ka wuli ka bɔ ɲɔgɔn na, minnu bɛ ɲɔgɔn ta, olu bɛna jɔ walasa ka o fɛn caman wuli ka bɔ ɲɔgɔn na i n’a fɔ sababuw sanni ka kɛ kɔrɔtɔko ye.

Mewayz ye jagokɛyɔrɔ ye min bɛ se ka kɛ ni modulu 207 ye, baarakɛla 138.000 ni kɔ dalen bɛ a la, min jɔra walasa ka baarakɛlaw ni jɛkulu minnu bɛ ka bonya, olu ka se ka kɛ kelen ye CRM, ɛntɛrinɛti jago, fatura, jateminɛ, ani jɛkulu ɲɛnabɔli kama — k’a daminɛ dɔrɔmɛ 19 dɔrɔn na kalo kɔnɔ Erɔpu jamanaw ka wari saracogo bɛ ka yiriwa cogo min na, n’i y’i ka jagokɛyɔrɔ bɛɛ lajɛlen kɛ yɔrɔ kelen na, o kɔrɔ ye ko i bɛ ladamu siɲɛ kelen, i tɛ ladamu yɔrɔ bɛɛ. I ka taama daminɛ app.mewayz.com ani ka baarakɛcogo jusigilan jɔ i ka jago mago bɛ min ɲɛmɔgɔya la nin jiginni in kɔnɔ.