IYuropu ye-$24T yokwahlukana kunye neVisa kunye ne-Mastercard sele iqalile

IYurophu ngokukhutheleyo ichitha ukuxhomekeka kwayo kwi-Visa kunye ne-Mastercard, isalathisa ngokutsha i-24 yezigidi zezigidi zeerandi zeentlawulo zentengiso kwiimalike ezizimeleyo, ezizezinye zasekhaya. Olu tshintsho lwezemali luyilungisa ngokutsha indlela amashishini kwilizwekazi lonke aqokelela iintlawulo, ukulawula ukuhamba kwemali, kunye nokwakha ubudlelwane nabathengi - kwaye iziphumo zoosomashishini kunye neeSME zinzulu.

Ukusuka kwi-European Payments Initiative (EPI) isungula i-wallet yayo ye-Wero kwizikim zelizwe ezifumana i-tailwinds yokulawula, iinkokeli zaseYurophu ziphatha ubukhosi bentlawulo njengombandela wokhuseleko lwezoqoqosho, kungekhona nje ukukhululeka. Kubanini bamashishini, ukuqonda le nguqu akuseyonto yokuzikhethela — yinto efunekayo ngobuchule.

Kutheni iYuropu yohlukana neVisa kunye ne-Mastercard ngoku?

Ukugqabhuka kudala kudala. Abalawuli baseYurophu kunye neebhanki ezingoovimba kudala bebambene nento yokuba malunga ne-70% yentengiselwano yamakhadi kwilizwekazi ilungiswa ngothungelwano lwaseMelika olukwikomkhulu elingamawaka eemayile kude. Ingxwabangxwaba yezopolitiko ekuqaleni koo-2020, kudityaniswe nokusetyenziswa kwezixhobo zezemali kwizohlwayo zamazwe ngamazwe, kwanyanzela abenzi bomgaqo-nkqubo baseYurophu ukuba bajongane nobuthathaka obusisiseko: iintlawulo zabo zeedola ezingama-24 eetriliyoni ze-ecosystem zisebenza koololiwe bangaphandle.

I-European Central Bank iye yaphawula ngokuphindaphindiweyo oku kuxhomekeka njengomngcipheko wenkqubo. Xa i-Visa okanye i-Mastercard inokukhenkcela ukuthengiselana - njengoko kwenzekile kumaziko athile aseRashiya - ibhentsise indlela oluncinci ngayo ulawulo lwamaziko aseYurophu ngaphezu kwemibhobho yawo yezemali. Impendulo iye yalungelelaniswa kwaye yakhawulezisa: uxinzelelo lolawulo, utyalo-mali olubalulekileyo lukawonke-wonke kwiindlela ezizezinye zasekhaya, kunye nemvumelwano yezopolitiko yokuba ulawulo lwentlawulo luhambisana nolawulo lwamandla njengentsika engundoqo yokuzimela kweYurophu.

"Ilizwekazi elingenako ukulawula izibonelelo zalo zokuhlawula alikwazi ukubanga ukuzimela kwezoqoqosho okwenyani. I-24 yezigidigidi zeedola zaseYurophu esichengeni asiyonani nje - bubungangamsha obulinganiswa kwiintengiselwano." - I-European Central Bank Policy Brief, 2024

Ziziphi iindlela ezizezinye zaseYurophu ezifumana ngokwenene ukutsalwa?

Iindlela ezininzi zokukhetha ezithembekileyo zisuka kwisigaba sokulinga ukuya kukwamkelwa okuqhelekileyo kwi-EU iphela. Ukuqonda ezi nkqubo kunceda abanini bamashishini balungiselele iziseko abaza kulindeleka ukuba bazixhase:

• Wero (EPI Wallet): Yaziswa yi-European Payments Initiative, i-Wero sisipaji sedijithali esidityanisiweyo esele sihlala eJamani, eFransi, naseBelgium, sijolise kwiintlawulo zoontanga kunye nabarhwebi ngamabhongo okubuyisela uthungelwano lwamakhadi ngokupheleleyo kwintengiselwano yemihla ngemihla.
• SEPA Instant Credit Transfer (SCT Inst): Isigunyaziso se-EU ngoku sifuna ukuba zonke iibhanki ze-eurozone zinike udluliselo olukhawulezileyo 24/7/365, ngokwenza umva wentlawulo yexesha langempela elidlula uthungelwano lwamakhadi kwi-akhawunti-kwi-akhawunti yorhwebo.
• iDEAL (eNetherlands), iBizum (eSpain), kunye ne-PayLib (eFransi): Iintshatsheli zeSizwe ezidityaniswa phantsi kwesambulela se-EPI, zinika ezi zikim zasekhaya eziqinisekisiweyo ukufikelela kumda okokuqala.
• Digital Euro (CBDC): I-European Central Bank's Central Bank's Central Bank's Central Bank Digital Currency pilot iqhubela phambili, kunye nokuqaliswa kokuthengisa okunokubakho okuya kubonelela ngomzila wokuhlawula oxhaswa ngurhulumente ngokupheleleyo ngaphandle kolawulo lothungelwano lwabucala.
• Vula iBhanki ngePSD2/PSD3: Izikhokelo zeenkonzo zentlawulo eziqhubela phambili zaseYurophu zenze isakhelo esilawulayo esivumela iintlawulo ezithe ngqo zebhanki kumthengisi, ukunciphisa imirhumo yotshintshiselwano kunye nokuxhomekeka kwamakhadi ngaxeshanye.

Le Shift Ibachaphazela Njani Abanini Bamashishini amaNcinci naPhakathi?

Kwi-SMEs, iziphumo zisika iindlela zombini. Kwelinye icala, ukuhla kweVisa kunye ne-Mastercard ukongamela kuthembisa umrhumo ophantsi wentengiselwano - amaxabiso otshintshiselwano kwiindlela ezizezinye zaseYurophu zihlala ziqhutywa kwiqhezu leendleko zekhadi lemveli, ezinokumela amawaka eeuro ngonyaka kumashishini alungisa umthamo omkhulu. Kwelinye icala, ukuqhekeka kweenketho zokuhlawula kudala ubunzima bokusebenza obunokoyisa amaqela abhityileyo ngaphandle kweziseko ezingundoqo ezifanelekileyo.

Ukulawula iindlela ezininzi zokuhlawula, ukuxolelaniswa kwentengiselwano kwiinkqubo ezahlukeneyo, kunye nokugcina ukuthotyelwa kweemfuno eziguqukayo zePSD3 kufuna inqanaba lobuchule bokusebenza amashishini amaninzi ebesilela ngaphambili. Abaphumeleleyo kulo mhlaba mtsha weentlawulo baya kuba ngamashishini atyala imali ngoku kwiiplatifti eziguquguqukayo, ezihlanganisiweyo zolawulo lwamashishini akwaziyo ukuziqhelanisa njengoko isitakhi sentlawulo sivela ngaphantsi kwabo.

Yintoni ekufuneka ooSomashishini baseYurophu benze ukuzilungiselela ngoku?

Amashishini aphumeleleyo kolu tshintsho aya kuba ngawaphatha njengethuba endaweni yokuphazamiseka. Ngokwenyani, ukulungiswa kuthetha ukuphicotha isitayile sakho sentlawulo yangoku ukuze uchonge ukuba yeyiphi na imali engenayo exhomekeke ngokukodwa kwiireyile zeVisa okanye ze-Mastercard, emva koko wakha ngokungasebenziyo kunye nokuguquguquka. Kukwathetha ukuqonda iindlela ezikhethwa ngabathengi bakho ngokwelizwe - umxhasi weB2B waseJamani usenokukhetha ugqithiso olukhawulezileyo lweSEPA, ngelixa umthengi ongumFrentshi enokutsalela ngaseWero.

Okubaluleke ngokulinganayo kukukhetha isoftwe esebenzayo yeshishini engakutshixeliyo kwiintelekelelo zentlawulo yelifa. Njengoko iziseko zokuhlawula zaseYurophu ziguquka ngo-2025 nangaphaya, iCRM yakho, i-invoyisi, i-e-commerce, kunye needashbhodi zemali kufuneka zonke zithethe ulwimi olufanayo - ngexesha lokwenyani. Izixhobo eziqhekeziweyo ezakhelwe ilizwe leentlawulo zayizolo ziya kuba ngamatyala aneendleko ezinkulu njengoko iziseko ezingundoqo ezingaphantsi kwazo zitshintsha.

Ingaba iSiphelo seVisa kunye neMastercard's European Dominance Ngokwenene Ayinakuthintelwa?

Ulawulo? Phantse ngokuqinisekileyo ukuhla. Ukufuduswa ngokupheleleyo? I-nuanced ngakumbi. I-Visa kunye ne-Mastercard ayizo badlali be-passive - bobabini benze utyalo-mali olubalulekileyo kwiziseko zebhanki ezivulekileyo zaseYurophu, amandla okuhlawula ngexesha langempela, kunye nentsebenziswano yasekuhlaleni ngokukodwa ukuze ihlale ifanelekile ngolu tshintsho. Eyona nto iphela ngokungathandabuzekiyo kukungaceli mngeni kwabo, isikhundla sabo esihlala sihleli njengokuphela kwendlela enzulu yorhwebo lwedijithali lwaseYurophu.

IsiCwangciso-qhinga seDigital Finance yeKhomishini yaseYurophu, kudityaniswe nokukhutshwa okunyanzelekileyo kwe-SEPA kunye nokwandisa isipaji se-ecosystem ye-EPI, kudale iimeko zesakhiwo kukhuphiswano lokwenene. Kumashishini aseYurophu, oku kuthetha ukuguquguquka okungaphezulu, okunokuthi kufikeleleke ngakumbi, kodwa kwanemeko yentlawulo entsonkothileyo efika ngokukhawuleza kunokuba uninzi lucinga.

Imibuzo Ebuzwa Rhoqo

Ingaba iVisa kunye neMastercard ziyayeka ukusebenza eYurophu?

Hayi - i-Visa kunye ne-Mastercard ziya kuqhubeka nokusebenza eYurophu kwixesha elizayo elibonakalayo. Utshintsho lujolise ekunciphiseni ukuxhomekeka kunye nokunika amashishini kunye nabathengi ezinye iindlela ezithembekileyo, hayi ukuphelisa uthungelwano olukhoyo ngobusuku. Nangona kunjalo, uxinzelelo lolawulo kwimirhumo yotshintshiselwano kunye nemithetho ekhethwayo yokuqhuba izikim zasekhaya kuthetha ukuba isikhundla sabo sokhuphiswano siya kuncipha ngokuthe ngcembe ukuya ekupheleni kowama-2020.

Utshintsho lwentlawulo lwaseYurophu luza kuchaphazela njani ukufumana kwam ivenkile ekwi-intanethi?

Ukuphuma kwakho kuya kufuneka kuxhase uluhlu olubanzi lweendlela zokuhlawula ukuhambelana nokulindelwe ngabathengi ngokwengingqi. Abathengi baseJamani nabaseDatshi balindele ngakumbi ukudluliselwa kwebhanki kwangoko; Abathengi baseFransi nabaseBelgium bayamkela ngokukhawuleza i-Wero. Amashishini abonisa kuphela ukhetho lwamakhadi esithethe abeka emngciphekweni amazinga aphezulu okulahlwa njengoko ezinye iindlela zifumana iwonga eliqhelekileyo. Ukuhlaziya isango lentlawulo yakho kunye nokuqinisekisa ukuba ishishini lakho OS lixhasa iindlela ezininzi zoxolelwaniso yinto ephambili ekufutshane.

Ziziphi izixhobo ii-SME ezizidingayo ukulawula utshintsho kwiinkqubo zentlawulo zaseYurophu?

Ii-SME zidinga inkqubo yokusebenza yeshishini edibeneyo ejongene nedatha yentlawulo evela kwimithombo emininzi, i-automate uconciliation, ilawula i-invoyisi kuzo zonke iintlobo zentlawulo, kwaye ibonelele ngexesha lokwenene ukubonakala kwemali kungakhathaliseki ukuba utshintshiselwano luqhutywe njani. Izisombululo zamanqaku ezakhelwe malunga nendlela enye yokuhlawula okanye ukucingelwa okuphakathi kwekhadi lelifa kuya kudala iisilo zedatha ezicothisa ukuthathwa kwezigqibo ngokuchanekileyo xa ukulunga kubaluleke kakhulu.

IYuropu ye-$24 yetriliyoni yeentlawulo zenguqu lolona tshintsho lubalulekileyo kwiziseko zoshishino lwangoku - kwaye iyenzeka ngoku, hayi kwikamva elikude. Amashishini atyala imali namhlanje kumaqonga okusebenza aguquguqukayo, adityanisiweyo azakuxhonywa ukuba afunxe olu tshintsho njengamathuba endaweni yongxamiseko.

Mewayzyinkqubo yokusebenza ye-207-module ethembekileyo ngabasebenzisi abangaphezu kwe-138,000, eyakhelwe ukunika oosomashishini kunye namaqela akhulayo iqonga elidibeneyo le-CRM, i-e-commerce, i-invoyisi, i-analytics, kunye nolawulo lweqela - ukuqala kwi-$ 19 kuphela / ngenyanga. Njengoko imeko yentlawulo yaseYurophu iguquka, ukuba neshishini lakho lonke kwindawo enye kuthetha ukuba uziqhelanisa kube kanye, hayi kuyo yonke indawo. Qala uhambo lwakho e-app.mewayz.com kwaye wakhe isiseko sokusebenza esifunwa lishishini lakho ukukhokela kolu tshintsho.