Ngomhlaka-14 kuJulayi, ipulatifomu yokukhokha ethandwayo yaseSpain iBizum yangena kwezentengiselwano ezibonakalayo ngokwethulwa kwe I-Bizum Pay, isikhwama sakho semali esisha sedijithaliLolu hlelo lokusebenza selutholakala mahhala ku-Google Play kanye ne-App Store, futhi luvumela abasebenzisi ukuthi bakhokhe ezitolo ezibonakalayo ngokusondeza omakhalekhukhwini babo eduze kwesifundi sekhadi, njengaku-Apple Pay noma ku-Google Pay, kodwa ngomehluko omkhulu: imali ivela ngqo kwi-akhawunti yasebhange ngokudluliselwa okusheshayo, ngaphandle kokudlula kumanethiwekhi e-Visa noma e-Mastercard.
Lesi sinyathelo simelela ingqophamlando emkhakheni wezezimali waseSpain, kusukela I-Bizum Pay iba yisisombululo sokuqala eYurophu ukuhlanganisa ubuchwepheshe be-NFC nezinkokhelo ze-akhawunti ezisheshayoLe nkampani, ephethwe yizinkampani zamabhange ezingu-27, ilindele ukuthi iningi labasebenzisi bayo abayizigidi ezingu-32 lizokwazi ukusebenzisa le nsizakalo ngaphambi kokuphela konyaka, yize ukuqaliswa kwayo ezitolo kuzoqhubeka kancane kancane kulo lonke u-2026.
Iyini i-Bizum Pay futhi isebenza kanjani?
I-Bizum Pay ayithathi indawo I-Bizum, esivele siyazi ngokuthumela imali phakathi kwabangani, kodwa Kunguhlelo lokusebenza oluzimele olusebenza njengesikhwama sedijithaliUma uvula ikhadi futhi ubambe ifoni yakho eduze kwesikhungo sokukhokha, kuqaliswa ukudluliselwa okusheshayo kusuka ku-akhawunti yasebhange exhunywe kwi-akhawunti yomthengisi. Inqubo ifana nezinye izinkokhelo ezingenakuthinta: vula ifoni yakho nge-biometrics noma i-PIN, uyibambe eduze kwesikhungo, bese ukuthengiselana kuqedwa ngemizuzwana.
Umehluko omkhulu nge-Apple Pay noma i-Google Pay ukuthi Ikhadi elibonakalayo alisetshenziswa; inkokhelo yenziwa ngqo kusuka ku-akhawunti yasebhange.Lokhu kuqeda abalamuli futhi, ngokusho kochwepheshe, kunciphisa amakhomishini amabhizinisi. Ngaphezu kwalokho, uhlelo lokusebenza luvumela abasebenzisi ukugcina amathikithi namapasi, futhi esikhathini esizayo, luzophinde lusetshenziswe ekuthengeni ku-inthanethi.
Ukusatshalaliswa nokutholakala
Nakuba uhlelo lokusebenza seluvele lutholakala, Akubona bonke abasebenzisi abazokwazi ukuyisebenzisa kusukela ngosuku lokuqala.Ukubhalisa kudinga ukuthi ibhange lekhasimende lisebenzise usekelo lwe-Bizum Pay. Amabhange afana ne-BBVA, i-CaixaBank, ne-Sabadell asevele ekwenzile lokho, kodwa amanye afana ne-Revolut awasasebenzisani. Le nkampani ilinganisela ukuthi ekupheleni konyaka, cishe bonke abasebenzisi be-Bizum abayizigidi ezingu-32 bazobe sebekwazi ukufinyelela le nsizakalo.
Ngokuphathelene namabhizinisi, Izindawo zokukhokha ezingaphezu kwesigidi (60% yenani eliphelele) sezivele zikulungele ukwamukela i-Bizum PayAmabhizinisi awadingi ukushintsha ama-terminal awo okukhokha amakhadi; adinga ukuxhumana nebhange lawo kuphela ukuze asebenzise le nketho. Ukuqaliswa kuzoqedwa ezinyangeni ezimbalwa ezizayo, kanti izindawo eziningi kulindeleke ukuthi zibe sezilungile engxenyeni yesibili kaSepthemba.
Ukuphepha kanye nezinzuzo zamabhizinisi
Ukuphepha kungenye yezinto eziqinile zeBizum Pay. Inkokhelo idinga ukuqinisekiswa kwe-biometric noma i-PIN yedivayisi.Lokhu kunciphisa ingozi yokusetshenziswa okungagunyaziwe. Ngaphezu kwalokho, njengoba kuwukudluliselwa kwe-akhawunti kuya ku-akhawunti, imininingwane yekhadi ayabiwa, okususa ingozi yokwenziwa ama-cloning. Lokhu kuthengiselana kuhambisana nomthethonqubo wokuqinisekisa amakhasimende we-PSD2 waseYurophu.
Kumabhizinisi, inzuzo enkulu ukuthi ukushesha kokukhokha kanye nokwehliswa kwamakhomishiniNjengoba izinkokhelo zingadluli kumanethiwekhi e-Visa noma e-Mastercard, izimali ziphansi. Ngaphezu kwalokho, ukuqinisekiswa kwenkokhelo kwenzeka ngokushesha, kususa ingozi yokungakhokhi. Abathengisi bayaqaphela nokuthi akudingeki batshale imali kuma-terminal amasha, njengoba abafundi bamakhadi abakhona bebuyekezwa ngesofthiwe.
Ukuncintisana kanye nekusasa laseYurophu
I-Bizum Pay ifika ukuzoncintisana ngqo nezinkampani ezinkulu zaseMelika zokukhokha ngeselula. I-Visa ne-Mastercard okwamanje zilawula iningi lemakethe yokukhokha ngamakhadi eSpainephatha cishe ama-€195.000 billion ngonyaka. Isixazululo esisha saseSpain sihlose ukuthola isabelo semakethe ngokunikeza uhlelo olushibhile olusekelwa umkhakha wamabhange kazwelonke.
Ngaphezu kwalokho, iBizum isivele iyingxenye yombimbi lwaseYurophu i-EuroPA, oluxhumanisa izinhlelo zokukhokha eJalimane, eFrance, e-Italy nasePortugal. Lokhu kuzovumela abasebenzisi be-Bizum Pay ukuthi benze izinkokhelo ngaphesheya kwemingcele namakhasimende aseYurophu angaphezu kwezigidi ezingu-120., isinyathelo esibheke ekuzimeleni kwezezimali kwezwekazi kusuka ezinkampanini ezinkulu zobuchwepheshe.
Nge-Bizum Pay, iSpain ithatha isinyathelo esiya phambili ekwenzeni izinkokhelo zibe zedijithali, inikeza enye indlela kazwelonke ehlanganisa ukulula, ukuphepha, kanye nezindleko ezincishisiwe. Isihluthulelo manje ukuthi amabhange namabhizinisi asheshise ukuzivumelanisa nezimo zabo ukuze abasebenzisi bakwazi ukujabulela le ndlela entsha yokukhokha ekuphileni kwabo kwansuku zonke.
