Umehluko phakathi kwesikhungo sokukhokha nebhange

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"Izikhungo Zokukhokha: Ukuguquguquka okwengeziwe, Imingcele Embalwa!" ".

Isingeniso

Umehluko phakathi kwesikhungo sokukhokha nebhange ngokuvamile awuqondwa kahle. Izikhungo zokukhokha izinkampani ezihlinzeka ngezinsizakalo zezezimali ezikhethekile, njengokucubungula izinkokhelo, ukudluliswa kwemali, nokucubungula amakhadi esikweletu. Amabhange, ngakolunye uhlangothi, ayizikhungo zezezimali ezihlinzeka ngezinsizakalo zebhange eziphelele, njengama-akhawunti asebhange, izikweletu, kanye nezinsizakalo zokuphatha ingcebo. Zombili izinhlobo zamabhizinisi zilawulwa ama-ejensi kahulumeni nezindikimba ezilawulayo, kodwa amasevisi nemikhiqizo yawo kuhluke kakhulu. Kulesi sihloko, sizobheka kabanzi umehluko phakathi kwesikhungo sokukhokha nebhange.

Uyini umehluko phakathi kwesikhungo sokukhokha nebhange?

Izikhungo Zokukhokha (ama-PI) kanye namabhange yizinhlangano zezezimali ezihlinzeka ngamasevisi afanayo, kodwa alawulwa ngendlela ehlukile. Ama-IP yizinhlangano ezihlinzeka ngamasevisi okukhokha, njengokucubungula inkokhelo, ukudluliswa kwemali, nokucubungula ikhadi lesikweletu. Zilawulwa yi-Monetary and Financial Code futhi zingaphansi kokulawulwa okuqinile. Amabhange, ngakolunye uhlangothi, ayizinhlangano ezihlinzeka ngamasevisi ebhange, njengemalimboleko, amadiphozithi kanye nezinsizakalo zokuphatha ingcebo. Alawulwa yiBhange Elikhulu futhi angaphansi kokulawula okuqinile kunama-IP. Ngaphezu kwalokho, amabhange angakhipha izibambiso namabhondi, okungelona iqiniso kuma-IP.

Izikhungo zokukhokha zingasiza kanjani ekuthuthukiseni ukuphepha kwemisebenzi yasebhange?

Izikhungo Zokukhokha (ama-PIs) zingasiza ukuthuthukisa ukuphepha kwemisebenzi yasebhange ngokusebenzisa izinyathelo zokuphepha zesimanje kanye nobuchwepheshe. Ama-IP angahlinzeka ngamasevisi afana nokuqinisekisa ubuwena, ukutholwa kokukhwabanisa nokuvimbela ukuntshontshwa kobunikazi. Lezi zinsizakalo zingasiza ukuvikela amakhasimende ekuzameni ukweba nokukhwabanisa.

Ama-IP angasiza futhi ukuthuthukisa ukuvikeleka kwemisebenzi yasebhange ngokuhlinzeka ngamathuluzi wokubethela nawokubethela ukuze kuvikelwe idatha yekhasimende. Lawa mathuluzi angasiza ekuvimbeleni izigebengu ze-inthanethi ekufinyeleleni ulwazi olubucayi lwekhasimende. Ama-IP angase futhi ahlinzeke ngokuqapha okwenziwayo kwasebhange namasevisi okuqapha ukuze kutholwe umsebenzi osolisayo futhi kunqandwe ukukhwabanisa.

Okokugcina, ama-IP angasiza ukuthuthukisa ukuvikeleka kwemisebenzi yasebhange ngokuhlinzeka ngamasevisi okuqinisekisa ubuwena namasevisi okuhlola ingemuva. Lawa masevisi angasiza ukuqinisekisa ukuthi amakhasimende ayilokho athi ayikho kanye nokuthi ulwazi lwawo lomuntu siqu luvikelekile. Ama-IP angase futhi ahlinzeke ngamasevisi okuhlola ingemuva ukuze aqinisekise ukuthi amakhasimende awabandakanyi emisebenzini engekho emthethweni.

Yiziphi izinzuzo kanye nokubi kwezikhungo zokukhokha uma kuqhathaniswa namabhange?

Izikhungo zokukhokha (ama-PIs) zinikeza izinzuzo ezihlukahlukene ngaphezu kwamabhange avamile. Okokuqala, ama-IP ngokuvamile ayashesha futhi asebenza kahle kakhulu kunamabhange. Imisebenzi ivamise ukucutshungulwa ngemizuzwana, okushesha kakhulu kunezinsuku noma amasonto amabhange angawathatha ukucubungula okwenziwayo. Ukwengeza, ama-IP ngokuvamile awabizi kakhulu kunamabhange, njengoba akudingeki akhokhe izindleko ezihlobene nokunakekela ama-akhawunti asebhange. Okokugcina, ama-IP anikeza ukuguquguquka okukhulu nokuphepha kunamabhange.

Kodwa-ke, ama-IPs nawo anobubi obuthile. Okokuqala, ama-IP awalawulwa njengamabhange, okusho ukuthi angase atholakale kalula ekukhwabaniseni nasekuhlukunyezweni. Futhi, ama-IP awamukelwa kabanzi njengamabhange, okusho ukuthi ungase ungakwazi ukwenza ukuthengiselana okuthile nge-IP. Okokugcina, ama-IP awasungulwa njengamabhange, okusho ukuthi angase anganikezi amasevisi nemikhiqizo eminingi njengamabhange.

Yiziphi izinsiza ezihlinzekwa yiZikhungo Zokukhokha futhi zihluke kanjani kumasevisi asebhange?

I-Payment Institutions (PI) izinkampani ezihlinzeka ngezinsizakalo zezezimali kubantu ngabanye namabhizinisi. Bahlinzeka ngezinsizakalo ezinjengokucubungula inkokhelo, ukuphathwa kwe-akhawunti, ukuphathwa kwekhadi lesikweletu nedebhithi, ukudluliswa kwemali kanye nokucubungula ukudluliswa kwemali ngezintambo. Ama-IP ahlukile kumabhange ngoba awalawulwa yizinhlangano ezifanayo futhi awekho ngaphansi kwemithetho nemithetho efanayo.

Ama-IP ahlinzeka ngamasevisi asheshayo nasebenza kahle kakhulu kunalawo amabhange. Isibonelo, ama-IP angacubungula izinkokhelo ngemizuzwana, kanti amabhange angathatha izinsuku ukucubungula inkokhelo. Ama-IP futhi anikezela ngezinsizakalo zokudlulisa imali ngamanani aphansi kunamabhange. Ngaphezu kwalokho, ama-IP anikezela ngekhadi lesikweletu neledebhithi kanye nezinsizakalo zokuphatha i-akhawunti ezilula futhi kulula ukuzisebenzisa kunalezo zamabhange.

Okokugcina, ama-IP ahlinzeka ngamasevisi okudlulisa ngezintambo aphephile futhi avikeleke kakhulu kunalawo amabhange. Ama-IP asebenzisa ubuchwepheshe bokubethela obuthuthukisiwe ukuvikela idatha yomsebenzisi nemisebenzi. Ama-IP nawo angaphansi kokuhlolwa kokuthobela imithetho okuqinile kunamabhange, okuqinisekisa ukuthi izimali zabasebenzisi ziphephile.

Izikhungo zokukhokha zingasiza kanjani ekunciphiseni izindleko zokusebenzisa ebhange?

I-Payment Institutions (PIs) ingasiza ekwehliseni izindleko zokusebenza zasebhange ngokuhlinzeka ngamasevisi okukhokha asebenza kahle futhi avikelekile. Ama-IP anganikela ngezinsizakalo zokukhokha ku-inthanethi, izinsizakalo zokudlulisa imali nezinsizakalo zokukhokha ngekhadi. Lawa masevisi ayashesha futhi avikeleke kakhulu kunezindlela zokukhokha ezivamile, okuvumela amabhange ukuthi ehlise izindleko zawo zokusebenza.

Ama-IP angasiza futhi ekwehliseni izindleko zokusebenza zasebhange ngokuhlinzeka ngezinsizakalo zokukhokha ezivikeleke kakhulu nezithembekile. Ama-IP anganikeza izinsizakalo zokuphepha ezithuthukisiwe, njengokuqinisekiswa kobunikazi nolwazi lwasebhange, olungasiza ekunciphiseni ubungozi bokukhwabanisa nokuvikela izimali zekhasimende. Ama-IP angaphinda anikeze ngezinsizakalo zokuqinisekisa okwenziwayo, okuvumela amabhange ukuthi ehlise ukuqinisekiswa kokwenziwe kwawo nezindleko zokucubungula.

Okokugcina, ama-IP angasiza ekwehliseni izindleko zokusebenza zasebhange ngokuhlinzeka ngezinsizakalo zokukhokha ezithengekayo. Ama-IP anganikeza amanani aphansi ezinsizakalo zokukhokha, okuvumela amabhange ukuthi ehlise izindleko zawo zomsebenzi. Ama-IP anganikeza nezinsizakalo zokukhokha mahhala, okuvumela amabhange ukuthi ehlise izindleko zomsebenzi futhi anikeze amasevisi athengekayo kumakhasimende.

Isiphetho

Sengiphetha, kusobala ukuthi izikhungo zokukhokha namabhange yizinhlangano ezihlukene ezihlinzeka ngezinsizakalo ezahlukene. Izikhungo zokukhokha zisebenza ngokukhethekile ezinsizeni zokukhokha nezokudlulisa imali, kuyilapho amabhange enikeza izinsiza eziningi zezezimali, okuhlanganisa imali ebolekiwe, ama-akhawunti okonga kanye nezinsizakalo zasebhange. Izikhungo zokukhokha zingaphansi kwemithetho eqinile futhi kudingeka zihlangabezane nezindinganiso zokuphepha eziphakeme kunamabhange. Womabili amabhizinisi abalulekile ekusebenzeni kahle kohlelo lwezezimali futhi abalulekile ekuthuthukisweni komnotho.

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