Ukuhlukana kwe-Europe ngama-$24T ne-Visa kanye ne-Mastercard Sekuqalile

I-Europe ibhidliza ukuthembela kwayo okuthathe amashumi eminyaka amaningi ku-Visa ne-Mastercard, iqondisa kabusha imakethe yezinkokhelo eziyizigidi eziyizinkulungwane ezingama-24 zamaRandi ezindleleni ezizimele, ezitholakala ekhaya. Lolu shintsho lwezimali olushintshashintshayo lulungisa kabusha indlela amabhizinisi ezwenikazi lonke aqoqa ngayo izinkokhelo, alawula ukuhamba kwemali, futhi akhe ubudlelwano bamakhasimende — futhi imiphumela yosomabhizinisi nama-SME ijulile.

Kusuka ku-European Payments Initiative (EPI) yethula isikhwama sayo se-Wero kuya ezinhlelweni zikazwelonke ezithola izindlela zokulawula, abaholi base-Europe baphatha ubukhosi benkokhelo njengendaba yokuphepha kwezomnotho, hhayi nje ukunethezeka. Kubanikazi bamabhizinisi, ukuqonda lolu shintsho akusakhetheki — sekuyisu elibalulekile elibalulekile.

Kungani i-Europe Ihlukana Ne-Visa ne-Mastercard Manje?

Ukuqhekeka sekwakhiwe iminyaka. Abalawuli baseYurophu kanye namabhange amaphakathi sekuyisikhathi eside bebhekene neqiniso lokuthi cishe u-70% wokuthengwa kwamakhadi ezwenikazi ucutshungulwa ngamanethiwekhi aseMelika anekomkhulu eliqhele ngezinkulungwane zamamayela. Ukungezwani kwezepolitiki ekuqaleni kwawo-2020, kuhlanganiswe nokusetshenziswa kwezikhali zengqalasizinda yezezimali ekujezisweni kwamazwe ngamazwe, kuphoqe abenzi benqubomgomo base-Europe ukuthi babhekane nobungozi obubalulekile: uhlelo lwabo lwezinkokhelo lwama-dollar ayizigidi eziyizinkulungwane ezingama-24 lusebenza ngojantshi bakwamanye amazwe.

I-European Central Bank imake ngokuphindaphindiwe lokhu kuncika njengengcuphe yohlelo. Lapho i-Visa noma i-Mastercard ingamisa ukuthengiselana - njengoba kwenzeka kwezinye izinhlangano zaseRussia - iveze ukuthi kuncane kangakanani ukulawula izikhungo zaseYurophu phezu kwamapayipi azo ezezimali. Impendulo ididiyelwe futhi iyashesha: ingcindezi yokulawula, ukutshalwa kwezimali okukhulu komphakathi kwezinye izindlela zasekhaya, kanye nokuvumelana kwezombusazwe kokuthi ubukhosi benkokhelo buhambisana nobukhosi bamandla njengensika eyinhloko yokuzimela kwe-Europe.

"Izwekazi elingakwazi ukulawula ingqalasizinda yalo yokukhokha alikwazi ukufuna ukuzimela kwezomnotho kwangempela. I-Europe engamabhiliyoni angama- $24 esengozini ayiyona nje inombolo - ingumbuso olinganiswa ezinkonzweni." — Isifingqo Senqubomgomo Yebhange Elikhulu LaseYurophu, 2024

Iziphi Izindlela Ezihlukile Zase-Europe Ezizuza Ngempela?

Izinketho ezimbalwa ezithembekile zisuka esigabeni sokuhlola ziye ekwamukelweni okujwayelekile kuyo yonke i-EU. Ukuqonda lezi zinhlelo kusiza abanikazi bamabhizinisi ukuthi balungiselele ingqalasizinda okuzolindeleke ukuthi bayisekele:

• I-Wero (I-EPI Wallet): Yethulwe i-European Payments Initiative, i-Wero iyisikhwama semali esihlanganisiwe esivele sihlala e-Germany, e-France, nase-Belgium, eqondise izinkokhelo zontanga nomthengisi ezinezifiso zokushintsha amanethiwekhi ekhadi ngokuphelele mayelana nemisebenzi yansuku zonke.
• SEPA Instant Credit Transfer (SCT Inst): Igunya le-EU manje lidinga ukuthi wonke amabhange e-eurozone anikeze ukudluliselwa okusheshayo okungu-24/7/365, nokudala umgogodla wokukhokha wesikhathi sangempela odlula amanethiwekhi wamakhadi okuhweba kwe-akhawunti kuya ku-akhawunti.
• iDEAL (Netherlands), Bizum (Spain), kanye ne-PayLib (France): Oshampeni bakazwelonke abahlanganiswa ngaphansi kwesambulela se-EPI, okunikeza lezi zikimu zasendaweni ezifakazelwe ukuthi zifinyelele umngcele okokuqala ngqa.
• I-Euro Yedijithali (CBDC): Umshayeli wokuhlola we-European Central Bank's Central Bank Digital Currency uyaqhubeka, nokwethulwa kokuthengisa okungahle kunikeze isitimela sokukhokha esisekelwa uhulumeni ngaphandle kokulawulwa kwenethiwekhi yangasese.
• Vula Ukubhanga nge-PSD2/PSD3: Iziqondiso zezinsizakalo zokukhokha eziqhubekayo zase-Europe zenze uhlaka lokulawula oluvumela ukukhokha okuqondile kwebhange kuya kumthengisi, ukwehlisa izindleko zokushintshisana nokuncika ekhadini kanyekanye.

Lokhu Kushintshwa Kubathinta Kanjani Abanikazi Bamabhizinisi Amancane Namaphakathi?

Kuma-SME, imiphumela isika izindlela zombili. Ngakolunye uhlangothi, ukwehla kokubusa kwe-Visa ne-Mastercard kuthembisa izindleko eziphansi zokuthengiselana - amanani okushintshana kwezinye izindlela zase-Europe avame ukusebenza ngengxenyana yezindleko zamakhadi endabuko, ezingamela izinkulungwane zama-euro ngonyaka ukuze amabhizinisi acubungule umthamo obalulekile. Ngakolunye uhlangothi, ukuhlukana kwezinketho zokukhokha kudala inkimbinkimbi yokusebenza okungase kwehlule amaqembu anciphile ngaphandle kwengqalasizinda efanele.

Ukuphatha izindlela zokukhokha eziningi, ukuvumelanisa okwenziwayo kuwo wonke amasistimu ahlukene, nokugcina ukuthobelana nezimfuneko eziguqukayo ze-PSD3 kudinga izinga lobuchwepheshe bokusebenza amabhizinisi amaningi abentula ngokomlando. Abawinile kulo mkhakha wokukhokha omusha kuzoba amabhizinisi atshala imali manje ezinkundleni zokuxhumana ezivumelana nezimo, ezididiyelwe zokuphatha ibhizinisi ezikwazi ukuzivumelanisa nezimo njengoba isitaki sokukhokha sishintsha ngaphansi kwawo.

Yini Okufanele Osomabhizinisi BaseYurophu Bayenze Ukuze Azilungiselele Manje?

Amabhizinisi achumayo ngalolu shintsho kuzoba yilawo aluthatha njengethuba esikhundleni sokuphazamiseka. Empeleni, ukulungiselela kusho ukuhlola isitaki sakho sokukhokha samanje ukuze kutholakale ukuthi iyiphi imali engenayo encike ngokukhethekile kumareyili e-Visa noma e-Mastercard, bese kwakhiwa ngokungabi namsebenzi futhi nokuvumelana nezimo. Kusho futhi ukuqonda izindlela ezikhethwa yisisekelo samakhasimende akho ngezwe - iklayenti laseJalimane le-B2B kungenzeka selivele lincamele ukudluliselwa kwe-SEPA okusheshayo, kuyilapho umthengi ongumFulentshi engase asebenzise i-Wero.

Okubaluleke ngokufanayo ukukhetha isofthiwe yebhizinisi engakukhiyeli ekuqageleni kokukhokha kwefa. Njengoba ingqalasizinda yokukhokha yase-Europe ithuthuka ngo-2025 nangale kwalokho, i-CRM yakho, ama-invoyisi, ukuhweba nge-e-commerce, namadeshibhodi ezezimali kufanele konke kukhulume ulimi olufanayo — ngesikhathi sangempela. Amathuluzi ayiziqephu akhelwe umhlaba wokukhokha wayizolo azoba izikweletu ezibizayo njengoba ingqalasizinda engaphansi kwazo ishintsha.

Ingabe Ukuphela Kokubusa KwaseYurophu kwe-Visa kanye ne-Mastercard Akunakugwenywa Ngempela?

Ukubusa? Icishe iyancipha. Qedela ukususa? Okuningi. I-Visa ne-Mastercard ababona abalingisi abangenzi lutho - bobabili benze ukutshalwa kwezimali okubalulekile kungqalasizinda yamabhange evulekile yase-Europe, amandla okukhokha ngesikhathi sangempela, kanye nobudlelwano bendawo ikakhulukazi ukuze kuhlale kusebenza kulolu shintsho. Okuphetha ngokungaguquguquki indawo yabo engenakuphikiswa, ezenzakalelayo njengokuwukuphela kwenketho ebucayi yohwebo lwedijithali lwaseYurophu.

Isu Le-European Commission's Digital Finance Strategy, elihlanganiswe nokukhishwa okuphoqelekile kwe-SEPA kanye ne-EPI's wallet ecosystem, kudale izimo zesakhiwo zokuncintisana kwangempela. Emabhizinisini aseYurophu, lokhu kusho isimo sokukhokha esishintshashintshayo, esingase sikwazi ukuthengeka, kodwa futhi esiyinkimbinkimbi kakhulu esifika ngokushesha kunalokho abaningi abakucabangayo.

Imibuzo Evame Ukubuzwa

Ingabe i-Visa ne-Mastercard zizoyeka ukusebenza e-Europe?

Cha — I-Visa ne-Mastercard zizoqhubeka nokusebenza eYurophu esikhathini esizayo esibonakalayo. Ushintsho lubheke ekwehliseni ukuncika kanye nokunikeza amabhizinisi nabathengi ezinye izindlela ezithembekile, hhayi ukuqeda amanethiwekhi akhona ngobusuku obubodwa. Kodwa-ke, ingcindezi yokulawula ezinkokhelweni zokushintshana kanye nemithetho ekhethwayo yezinhlelo zasekhaya isho ukuthi isikhundla sazo sokuncintisana sizowohloka kancane kancane ngasekupheleni kwawo-2020.

Izinguquko zokukhokha zase-Europe zizowuthinta kanjani umsebenzi wami wokukhokha esitolo se-inthanethi?

Ukukhokha kwakho kuzodinga ukusekela ububanzi obubanzi bezindlela zokukhokha ukuze kufane nokulindelwe yikhasimende ngokwesifunda. Amakhasimende aseJalimane namaDashi aya ngokuya elindele ukudluliselwa kwebhange okusheshayo; Abathengi baseFrance nabaseBelgium bamukela i-Wero ngokushesha. Amabhizinisi aveza kuphela izinketho zamakhadi endabuko azifaka engcupheni yamazinga aphezulu okulahlwa njengoba ezinye izindlela zithola isimo esijwayelekile. Ukubuyekeza isango lakho lokukhokha nokuqinisekisa ukuthi i-OS yebhizinisi lakho isekela ukubuyisana kwezindlela eziningi kuyinto ebaluleke kakhulu eseduze.

Yimaphi amathuluzi ama-SME awadingayo ukuze alawule ukushintshela ezinhlelweni zokukhokha zaseYurophu?

Ama-SME adinga isistimu yokusebenza yebhizinisi edidiyelwe ephatha idatha yokukhokha evela emithonjeni eminingi, eyenza ukubuyisana ngokuzenzakalela, ephethe ama-invoyisi kuzo zonke izinhlobo zokukhokha, futhi inikeze ukubonakala kwezimali kwesikhathi sangempela kungakhathaliseki ukuthi umsebenzi ucutshungulwe kanjani. Izixazululo zamaphuzu ezakhelwe ngendlela yokukhokha eyodwa noma ukuqagela okugxile ekhadini lefa kuzodala amaqoqo edatha abambezela ukuthathwa kwezinqumo ngokunembile lapho ukufaneleka kubaluleke kakhulu.

Inguquko yezinkokhelo zase-Europe engu-$24 trillion ingenye yezinguquko ezibaluleke kakhulu zesakhiwo kwingqalasizinda yesimanje yebhizinisi - futhi iyenzeka njengamanje, hhayi esikhathini esizayo esikude. Amabhizinisi atshala imali namuhla ezinkundleni zokusebenza eziguquguqukayo, ezididiyelwe azobekwa esimweni sokwamukela lezi zinguquko njengamathuba esikhundleni sezimo eziphuthumayo.

Mewayz iwuhlelo lokusebenza lwamamojuli angu-207 oluthenjwa abasebenzisi abangaphezu kuka-138,000, olwakhelwe ukunikeza osomabhizinisi namaqembu akhulayo inkundla ehlangene ye-CRM, i-e-commerce, ama-invoyisi, izibalo, nokuphathwa kwethimba — iqala ku-$19 nje ngenyanga. Njengoba isimo sokukhokha sase-Europe sithuthuka, ukuba nenqwaba yebhizinisi lakho endaweni eyodwa kusho ukuthi uzijwayeza kanye, hhayi yonke indawo. Qala uhambo lwakho kokuthi app.mewayz.com futhi wakhe isisekelo sokusebenza ibhizinisi lakho elidinga ukuhola kulolu shintsho.