Uxhumano lokukhokha emngceleni nge-QR Code lusanda kwethulwa Singapore futhi Indonesia.
Lolu hlelo lwenza amakhasimende ezikhungo zezimali ezikhethiwe kuzo zombili izizwe akwazi ukwenza imisebenzi yokudayisa ngokumane askene amakhodi e-QR.
Ukusebenzisana, kumenyezelwe ngu Ibhange Indonesia futhi Isiphathimandla Sezimali saseSingapore, ihlose ukwenza lula ukuzizwisa ukukhokha okulula nokungenazihibe emingceleni.
MAS kanye Bank Negara Malaysia muva nje kwethule uxhumano lwesistimu yokukhokha ngesikhathi sangempela, ehlanganisa i-PayNow yaseSingapore neDuitNow yaseMalaysia. Lokhu kuhlanganiswa kuvumela ukudluliswa kwesikhwama esisheshayo, esivikelekile, kanye nesongayo somuntu nomuntu kanye nezimali ezithunyelwayo kuzo zombili izizwe.
Kumenyezelwe ngokukhishwa okuhlanganyelwe yi-MAS ne-BNM, ukuxhumana kwethulwe ngesikhathi se-Singapore FinTech Festival ngu-Ravi Menon, umqondisi ophethe we-MAS, kanye nozakwabo base-Indonesia nase-Malaysia.
Ukuqaliswa kokuxhumana kwenkokhelo yemingcele phakathi kwamazwe afana ne-Singapore, i-Indonesia, ne-Malaysia kungase kube nomthelela omuhle kwezokuvakasha ngezindlela ezimbalwa.
Imithelela Yenkokhelo Ewela Umngcele Kwezokuvakasha
Ukufaneleka kwabavakashi:
Amasistimu okukhokha angenamthungo enza kube lula kubavakashi. Bangakwazi ukukhokha kalula, kungakhathaliseki ukuthi ngezendawo yokuhlala, indawo yokudlela, ezokuthutha, noma ukuthenga, ngaphandle kwesidingo sokukhathazeka ngokushintshisana kwemali noma izinto eziyinkimbinkimbi.
Imali Eyengeziwe:
Lapho abavakashi bekuthola kulula ukukhokha kwelinye izwe, bangase bathambekele ekuchitheni imali eyengeziwe. Isipiliyoni sokukhokha esingenazinkinga sikhuthaza izivakashi ukuthi zihlole futhi zihlanganyele emisebenzini ehlukahlukene, efaka isandla emnothweni wendawo.
Ukukhanga Kwezindawo:
Amazwe ahlinzeka ngezinhlelo zokukhokha eziwela imingcele aheha kakhulu izivakashi. Babona lezi zindawo njenge-tech-savvy futhi zilungele izivakashi, okungenzeka zidonse izivakashi eziningi uma ziqhathaniswa nezindawo ezingenazo izinketho zokukhokha ezingenazihibe.
Ukuhamba Kwesifunda Okugqugquzelayo:
Ngezinhlelo zokukhokha ezenziwe lula phakathi kwamazwe angomakhelwane, izivakashi zingase zibe maningi amathuba okuba zihlole izindawo okuyiwa kuzo eziningi ngaphakathi kwesifunda. Ngokwesibonelo, othile ovakashela e-Singapore angase akuthole kukhanga kakhulu ukwelula uhambo lwakhe lokuya e-Malaysia noma e-Indonesia uma ekwazi ukuphatha izinkokhelo kalula kulezi zindawo.
Ukugqugquzela Amabhizinisi Amancane:
Kumabhizinisi endawo athembele kwezokuvakasha, izindlela zokukhokha ezilula zingaheha amakhasimende amaningi futhi zisize lawa mabhizinisi ukuthi athuthuke. Bangakwazi ukubhekelela ngempumelelo izivakashi zakwamanye amazwe ngaphandle kokukhathazeka ngezinqubo zokukhokha eziyinkimbinkimbi.
Ibhange lase-Indonesia (BI) kanye ne-Monetary Authority of Singapore (MAS) zembule izinhlelo zohlaka lokukhokha lwemali yendawo esitatimendeni esihlanganyelwe. Lolu hlaka, okulindeleke ukuthi lusebenze ngo-2024, luhlose ukwenza lula ukuhlaliswa kwemingcele—okuhlanganisa izinkokhelo ze-QR, ukuhweba, nokutshalwa kwezimali—phakathi kwe-Indonesia ne-Singapore kusetshenziswa izimali zazo zendawo.
I-BI kanye ne-MAS bagcizelele ukuthi lesi sinyathelo sizosiza ukunciphisa ubungozi bezinga lokushintshisana nezindleko kumabhizinisi nakubasebenzisi. Lokhu kulandela imemorandamu yokuqondana yangaphambili eyasayinwa ngo-2022 ukuze kuthuthukiswe ukuthengiselana kwamazwe amabili ngezimali zasendaweni, okuhambisana nemizamo ye-ASEAN yokukhuthaza ukusetshenziswa kwezimali zasendaweni ekuhwebeni kwangaphakathi kwebhulogi.
Amabhange amaphakathi e-Indonesia, Malaysia, Philippines, Thailand, nase-Singapore ayevumelene ngaphambilini ukuthuthukisa ukubambisana ekuxhumekeni kwezinkokhelo, nebhange elimaphakathi lase-Vietnam lajoyina kamuva.
Uma uhlaka lwemali yasendaweni seluyasebenza, ukuxhumanisa inkokhelo ye-QR emngceleni kuzosebenzisa izingcaphuno eziqondile zezilinganiso zokushintshanisa ngemali yasendaweni ezivela emabhange e-Appointed Cross Currency Dealer (ACCD).
Umqondisi ophethe we-MAS, uMnu. Menon, uzwakalise ukuthi lolu hlaka luzohambisana nokuxhumanisa izinkokhelo okuqhubekayo, okuphawula ingqopha-mlando ekuxhumaneni kokukhokha kwe-Singapore okunqamula imingcele neminotho ebalulekile yesifunda.
LOKHO ONGAKUTHATHE KULESI SIHLOKO:
- Lokhu kulandela imemorandamu yokuqondana yangaphambili eyasayinwa ngo-2022 ukuze kuthuthukiswe ukuthengiselana kwamazwe amabili ngezimali zasendaweni, okuhambisana nemizamo ye-ASEAN yokukhuthaza ukusetshenziswa kwezimali zasendaweni ekuhwebeni kwangaphakathi kwebhulogi.
- Ibhange lase-Indonesia (BI) kanye ne-Monetary Authority of Singapore (MAS) zembule izinhlelo zohlaka lokukhokha lwemali yendawo esitatimendeni esihlanganyelwe.
- Ukuqaliswa kokuxhumana kwenkokhelo yemingcele phakathi kwamazwe afana ne-Singapore, i-Indonesia, ne-Malaysia kungase kube nomthelela omuhle kwezokuvakasha ngezindlela ezimbalwa.
