Kutha kwa $24T ku Europe ndi Visa ndi Mastercard Kwayamba

Europe ikuchotsa kudalira kwake kwazaka zambiri pa Visa ndi Mastercard, ndikuwongolera msika wodabwitsa wa $24 thililiyoni wolipirira njira zina zodziyimira pawokha, zakunyumba. Kusintha kwachuma kumeneku kukukonzanso momwe mabizinesi kudera lonse la Africa amapezera ndalama, kuwongolera kayendetsedwe ka ndalama, ndi kupanga ubale ndi makasitomala - ndipo zotulukapo zake kwa amalonda ndi ma SME ndizambiri.

Kuchokera ku European Payments Initiative (EPI) ikuyambitsa chikwama chake cha Wero kupita ku madongosolo adziko omwe akupeza njira zowongolera, atsogoleri aku Europe akuwona ufulu wolipira ngati nkhani yachitetezo chachuma, osati kungothandiza. Kwa eni mabizinesi, kumvetsetsa kusinthaku sikulinso kwachisankho - ndikofunika kwambiri.

Nchifukwa Chiyani Europe Ikusweka Ndi Visa ndi Mastercard Tsopano?

Kuphulikako kwakhala kukuchitika kwa zaka zambiri. Oyang'anira ku Europe ndi mabanki apakati akhala akudandaula kuti pafupifupi 70% yazinthu zamakadi ku kontinenti zimakonzedwa kudzera pamanetiweki aku America omwe ali pamtunda wamakilomita masauzande ambiri. Kusamvana kwapakati pazaka za m'ma 2020, kuphatikizidwa ndi zida zazachuma pazolangidwa ndi mayiko, zidakakamiza opanga mfundo ku Europe kuthana ndi chiopsezo chachikulu: zolipirira zawo zokwana $24 thililiyoni zimayendera njanji zakunja.

European Central Bank yakhala ikuwonetsa mobwerezabwereza kudalira uku ngati chiopsezo chadongosolo. Visa kapena Mastercard ikatha kuyimitsa malonda - monga zidachitikira ndi mabungwe ena aku Russia - idawulula momwe mabungwe aku Europe amawongolera pang'ono pazachuma chawo. Yankho lake lalumikizidwa ndikufulumizitsa: kukakamizidwa ndi malamulo, kuyika ndalama kwa anthu m'njira zina zapakhomo, ndi mgwirizano wandale kuti ufulu wolipira uli pamodzi ndi ulamuliro wa mphamvu monga mzati wodzilamulira waku Europe.

"Kontinenti yomwe silingathe kuwongolera njira zake zolipirira sizinganene kuti ili ndi ufulu wodziyimira pawokha pazachuma. Ndalama zokwana madola 24 thililiyoni za ku Europe zomwe zili pachiwopsezo si chiwerengero chabe - ndi ufulu wodziyimira pawokha poyesedwa." - European Central Bank Policy Brief, 2024

Kodi Njira Zina za ku Europe Ndi Chiyani Kwenikweni?

Njira zingapo zodalirika zikuyenda kuchokera pagawo loyendetsa kupita ku kutengera anthu ambiri ku EU. Kumvetsetsa machitidwewa kumathandiza eni mabizinesi kukonzekera zomangira zomwe akuyembekezeka kuthandizira:

• Wero (EPI Wallet): Yoyambitsidwa ndi European Payments Initiative, Wero ndi chikwama cha digito chogwirizana kale chokhala ku Germany, France, ndi Belgium, cholozera kulipira anzawo ndi anzawo komanso ochita malonda ndi chikhumbokhumbo chofuna kusintha ma netiweki amakadi pazochitika zatsiku ndi tsiku.
• SEPA Instant Credit Transfer (SCT Inst): Ntchito ya EU tsopano ikufuna mabanki onse a eurozone kuti apereke kusamutsidwa pompopompo 24/7/365, kupanga msana wamalipiro wanthawi yeniyeni womwe umadumpha ma netiweki amakhadi ochita malonda a akaunti ndi akaunti.
• iDEAL (Netherlands), Bizum (Spain), ndi PayLib (France): Otsatira adziko lonse omwe akuphatikizidwa pansi pa ambulera ya EPI, kupatsa madongosolo otsimikizika akumaloko kufikirako koyamba.
• Digital Euro (CBDC): Woyendetsa ndege wa European Central Bank's Central Bank Digital Currency akupita patsogolo, ndi kukhazikitsidwa kogulitsa komwe kungapereke njanji yolipira mothandizidwa ndi boma kunja kwa netiweki yachinsinsi.
• Open Banking kudzera PSD2/PSD3: Malangizo a ntchito zolipirira zomwe zikupita patsogolo ku Europe apanga dongosolo lothandizira kulipira mwachindunji kubanki kupita kwa ogulitsa, kuchepetsa chindapusa komanso kudalira makadi nthawi imodzi.

Kodi Kusinthaku Kumakhudza Bwanji Eni Mabizinesi Ang'onoang'ono ndi Apakati?

Kwa ma SME, zotsatira zake zimadula mbali zonse ziwiri. Kumbali ina, kutsika kwa ulamuliro wa Visa ndi Mastercard kumalonjeza ndalama zocheperako - mitengo yosinthira panjira zina zaku Europe nthawi zambiri imayenda pang'onopang'ono pamitengo yamakhadi, yomwe imatha kuyimilira masauzande a mayuro pachaka pamabizinesi akukonza kuchuluka kwakukulu. Kumbali ina, kugawikana kwa njira zolipirira kumapangitsa kuti pakhale zovuta zogwirira ntchito zomwe zitha kuchulukitsira magulu osakhazikika popanda maziko oyenera.

Kuwongolera njira zolipirira zingapo, kuyanjanitsa zochitika m'makina osiyanasiyana, komanso kutsatira zofunikira za PSD3 zomwe zikusintha zimafuna kuti pakhale ukadaulo wogwirira ntchito womwe mabizinesi ambiri adasowa kale. Opambana m'malipiro atsopanowa adzakhala mabizinesi omwe amagulitsa ndalama tsopano m'mapulatifomu osinthika, ophatikizika owongolera mabizinesi omwe amatha kusintha momwe ndalamazo zimakhalira pansi pawo.

Kodi Amalonda A ku Ulaya Ayenera Kuchita Chiyani Kuti Akonzekere Pompano?

Mabizinesi omwe akuyenda bwino pakusinthaku ndi omwe amawatenga ngati mwayi osati kusokoneza. Kwenikweni, kukonzekera kumatanthauza kusanthula ndalama zomwe mumalipira kuti mudziwe kuti ndi ndalama ziti zomwe zimachokera ku njanji za Visa kapena Mastercard, kenako ndikumanga mopanda ntchito komanso kusinthasintha. Zikutanthauzanso kumvetsetsa njira zomwe makasitomala anu amakonda malinga ndi dziko - kasitomala waku Germany wa B2B atha kukonda kale kusamutsidwa kwa SEPA nthawi yomweyo, pomwe wogula waku France amatha kutembenukira ku Wero.

Chofunikanso ndikusankha mapulogalamu oyendetsera bizinesi omwe samakutsekera muzongotengera zomwe mwatengera kale. Pamene njira zolipirira ku Europe zikusintha mpaka chaka cha 2025 ndi kupitilira apo, ma CRM anu, ma invoice, malonda a e-commerce, ndi ma dashboard azachuma onse ayenera kulankhula chilankhulo chimodzi - munthawi yeniyeni. Zida zogawikana zomangidwira dziko lolipirira dzulo zidzakhala zokwera mtengo kwambiri pomwe zomangamanga zomwe zili pansi pazo zikusintha.

Kodi Mapeto a Ulamuliro wa Visa ndi Mastercard ku Europe Ndiwosapeweka?

Kulamulira? Pafupifupi kutsika. Kusamutsidwa kwathunthu? Zowonjezera zambiri. Visa ndi Mastercard sizongochita chabe - onse apanga ndalama zambiri m'mabanki otseguka ku Europe, kuthekera kolipira nthawi yeniyeni, komanso mayanjano akumaloko makamaka kuti akhalebe ofunikira pakusinthaku. Chomwe chikutha mosatsutsika ndi kusatsutsika kwawo, kusasinthika ngati njira yokhayo yofunikira pamalonda a digito aku Europe.

European Commission's Digital Finance Strategy, kuphatikizidwa ndi kukhazikitsidwa kovomerezeka kwa SEPA Instant komanso EPI's wallet ecosystem, zakhazikitsa mikhalidwe yopikisana kwenikweni. Kwa mabizinesi aku Europe, izi zikutanthauza kuti malo olipira afika mwachangu kuposa momwe ambiri amaganizira.

Mafunso Ofunsidwa Kawirikawiri

Kodi Visa ndi Mastercard zisiya kugwira ntchito ku Europe?

Ayi - Visa ndi Mastercard zipitilira kugwira ntchito ku Europe mtsogolomo. Kusinthaku ndikuchepetsa kudalira ndi kupatsa mabizinesi ndi ogula njira zodalirika, osachotsa maukonde omwe alipo usiku umodzi. Komabe, kukakamizidwa kwa malamulo okhudza chindapusa chosinthana ndi malamulo oyendetsera bwino ntchito zapakhomo kumatanthauza kuti mpikisano wawo udzachepa pang'onopang'ono kumapeto kwa 2020s.

Kodi zosintha zolipirira ku Europe zitha bwanji kugulitsa kwanga pa intaneti?

Kulipira kwanu kudzafunika kuthandizira njira zambiri zolipirira kuti zigwirizane ndi zomwe makasitomala amayembekeza malinga ndi dera. Makasitomala aku Germany ndi Dutch amayembekezera kwambiri kusamutsidwa kwa banki pompopompo; Ogula aku France ndi aku Belgian akutenga Wero mwachangu. Mabizinesi omwe amangosankha makhadi okhawo omwe ali pachiwopsezo chosiyidwa chifukwa njira zina zimatengera mbiri yabwino. Kusintha njira yolipirira ndikuwonetsetsa kuti bizinesi yanu ya OS imathandizira kuyanjanitsa kwamitundu yambiri ndikofunikira kwambiri.

Ndi zida zotani zomwe ma SME amafunikira kuti azitha kuyendetsa njira zolipirira zatsopano zaku Europe?

Ma SME amafunikira njira yophatikizira yamabizinesi yomwe imayang'anira data yolipira kuchokera kuzinthu zingapo, imagwiritsa ntchito kuyanjanitsa, kuyang'anira ma invoice pamitundu yonse yolipira, ndikupereka mawonekedwe azachuma munthawi yeniyeni mosasamala kanthu kuti ntchitoyo idakonzedwa bwanji. Mayankho a mfundo opangidwa molingana ndi njira imodzi yolipirira kapena zongotengera zomwe zatengera makhadi zidzapanga nkhokwe za data zomwe zimachedwetsa kupanga zisankho ndendende pakafunika kusamala kwambiri.

Kusintha kwamalipiro ku Europe kwa $24 thililiyoni ndi chimodzi mwazinthu zofunikira kwambiri pamabizinesi amakono - ndipo zikuchitika pakadali pano, osati m'tsogolomu. Mabizinesi omwe akupanga ndalama masiku ano m'mapulatifomu osinthika, ophatikizika azitha kutengera zosinthazi ngati mwayi osati zadzidzidzi.

Mewayz ndi makina ogwiritsira ntchito ma module 207 odalirika ndi ogwiritsa ntchito oposa 138,000, omangidwa kuti apatse amalonda ndi magulu omwe akukula malo ogwirizana a CRM, e-commerce, invoicing, analytics, ndi kasamalidwe ka timu - kuyambira $19 / mwezi. Momwe malipiro aku Europe akukula, kukhala ndi bizinesi yanu yonse pamalo amodzi kumatanthauza kuti mumasinthasintha kamodzi, osati kulikonse. Yambani ulendo wanu pa app.mewayz.com ndi kupanga maziko oyendetsera bizinesi yanu kuti itsogolere pakusinthaku.