I-Bizum isheshisa iphrojekthi ukuze amakhasimende akwazi khokha ezitolo ezibonakalayo ngqo kusuka kumakhalekhukhwini wakhongaphandle kwesidingo sekhadi. Lolu hlelo, oluhlelelwe u-2026, luhlose ukuletha inkathi entsha yensizakalo yokukhokha esheshayo yaseSpain futhi kuphendule isidingo esikhulayo lapho kuthengiswa khona.
Ngokusho kwemithombo yezimboni, umkhakha wamabhange usebenza ngesicelo esibizwa Bizum Pay kanye nokwenzeka hlanganisa lelo khono ezinhlelweni zokusebenza zezinkampani ngokwazoiphindaphinda ubulula bokudluliswa kwamanje kwe-Bizum. Lesi sinyathelo sihambisana nesu laseYurophu le ukunciphisa ukuncika ku-Visa ne-Mastercard ezinkokhelweni zansuku zonke.
Izosebenza kanjani izinkokhelo zasesitolo nge-Bizum?
Lesi siphakamiso sibandakanya "isikhwama semali" sedijithali esivumela abasebenzisi ukuthi basondeze ifoni yabo eduze kwetheminali ye-POS futhi baqedele ukuthenga njengokungathi abathinteki, kodwa Umehluko oyinhloko: inkokhiso yenziwa ku-akhawunti ehlotshaniswa ne-Bizum, ngaphandle kwekhadi njengomxhumanisi.
Amabhange ahlola izindlela ezimbili zobuchwepheshe: ukwethula uhlelo lokusebenza oluzimele (Bizum Pay) futhi, ngokufana, vumela ukusebenza ngaphakathi kwezicelo zebhange isivele ifakiwe. Lokhu kuzovumela isevisi ukuthi inwetshwe ngokushesha ezigidini zabasebenzisi asebevele basebenzisa i-Bizum nsuku zonke.
Mayelana nokuhambisana, isixazululo sihlose ukusebenza nezinhlelo ezijwayelekile zokuthengisa indawo yokuthengisa (POS), njenganoma iyiphi inkokhelo yeselula. Ukuvulwa kwakamuva kwezinketho zokukhokha ngeselula I-NFC ku-iPhone eYurophu Lokhu kwenza kube lula ukuba nolwazi olungaguquki kukho kokubili i-Android ne-iOS.
Umbono awuzange uvele ekuqaleni: phakathi nobhubhane, izivivinyo zenziwa ngezikhungo, futhi kusukela lapho umkhakha usebenze ne IBhange laseSpain kuhlelo lokusebenza olululaNamuhla i-Bizum isivele isebenza ku-e-commerce kanye neminikelo; isinyathelo esilandelayo ukuwuletha kwikhawunta yesitolo.
Umthelela kumabhizinisi nakubathengi
I-Bizum ihlela ukusebenzisa ikhomishini enkokhelweni ngayinye ye-POS, ngokuzibophezela okuzoba yiyo aphansi kunalawo amanethiwekhi amakhulu amazwe ngamazweNgokuqeda abaxhumanisi, inqubo yenziwa lula futhi ingase yehlise izindleko zokuhweba.
Kumsebenzisi wokugcina, isiphakamiso sigcina ifilosofi ye-Bizum: azikho izindleko ezengeziwe Futhi ngokunethezeka kokukhokha ngefoni yakho ephathekayo. Isisekelo samakhasimende esikhulu esikhona se-Bizum sizokwenza kube lula ukutholwa uma ulwazi luqondile njengokuthumela imali phakathi kwabantu ngabanye.
Ngokombono wamabhange, isiteshi esisha sivula indlela yokuthola imali engasiza ekusimamiseni ukusebenza kwe- amapulatifomu okukhokha, abalucubungulayo namuhla ukunyakaza kwansuku zonke okungaphezu kwezigidi ezintathuUmgomo uwukulinganisa izindleko zengqalasizinda ngaphandle kokuyidlulisela kubathengi.
Ukuqhathaniswa ne-Apple Pay noma i-Google Pay akunakugwenywa: I-Bizum Pay ihlose isenzo sokukhokha esifanayo, kodwa imininingwane ethile yokuxhunywa ku-akhawunti (hhayi ekhadini), iqinisa i-ecosystem yezinkokhelo elawulwa ngokuqondile amabhange aseYurophu.
I-Europe ifuna ukuba phambili kule makethe
Le phrojekthi ihambisana nokuphusha kwe-European Union kokuthi zuza ukuzimela ezindleleni zokukhokhaNgaphezu kwesixazululo esisesitolo, amabhange axoxisana ukuze axhumanise izinkundla zikazwelonke ukuze akwazi ukuthumela imali phakathi kwamazwe kalula njenge-Bizum yasekhaya.
I-EuroPA kanye ne-European Payments Initiative (EPI) ithuthukela emazingeni afanayo kanye nencazelo a imali yokuxhumanaNgaleso sikhathi, i-Wero - esekelwa yizinhlangano zaseFrance nezaseJalimane - ilungiselela ukungena kwayo kwezentengiselwano futhi, kamuva, endaweni ebonakalayo.
ISpain isivele isebenza njengomholi: ezinye izinhlangano ziyakuvumela Ukudluliselwa okusheshayo namabhange ase-Italy nase-PortugalLesi isinyathelo sokuqala esibheke ku-pan-European Bizum. Idethi yomkhakha eqondiswe kuwo ngu-2026 yokuxhumana okubanzi.
Okusazocaciswa
Imininingwane yokusebenza izochazwa ezinyangeni ezizayo: Imodeli yekhomishini yabathengisi, ishejuli yokukhishwa kanye nokubalulekile phakathi kohlelo lokusebenza lokuphathelene noma ukuhlanganiswa kwebhange. Izinhlelo zokuhlola ezinabathengisi nazo kulindeleke ukuthi zithuthukise umuzwa wokukhokha kanye nokuhambisana kwe-POS.
I-Bizum ayizange ibeke imibono yomphakathi mayelana nezinsuku eziqondile. Kunoma yikuphi, uhlaka lokulawula lwaseYurophu (PSD2 kanye nokuqinisekiswa okuqinile) kanye ne ukuphepha ekwenzeni amathokheni wokuqinisekisa Zizoba yizicucu ezibalulekile zokwethulwa.
Uma umnqamulajuqu ufinyelelwa, imakethe yaseSpain ingathola indlela yokukhokha yasebhange yomdabu ezitolo eziphathekayo ehambisana nemali, amakhadi, namawallet amakhulu eselula, Ukuncintisana okwengeziwe nezinketho zokuhweba.
Yonke into ikhomba ushintsho olukhulu ezinkokhelweni eziseduze: isikhwama semali se-Bizum sezitolo ezibonakalayo, esisekelwe ku-akhawunti futhi sisekelwa amabhange aseYurophu, ifuna ukuncika kancane kumanethiwekhi omhlaba, izindleko zokuncintisana ezengeziwe zamabhizinisi kanye nolwazi olujwayelekile lomsebenzisi.
