Siphelile isikhathi sokukhokha ngokheshi – uKganyago
WUSLINDILE KHANYILE
SEKUFIKE isikhathi sokuthi iNingizimu Afrika ibheke okufanele ikwenze ukuhambisana noshintsho lwangalesi sikhathi ezindleleni okukhokhwa ngazo njengoba sekukhona ama-digital currency ukuze ihlale ikwazi ukuncintisana.
Loku kushiwo wumphathi weBhange loMbuso uMnu uLesetja Kganyago izolo ngesikhathi ekhuluma engqungqutheleni ebidingida ngezindlela zokukhokha, iPayments Conference eGoli, eGauteng.
UKganyago uthe yize ucwaningo abalwenza lwaveza ukuthi abantu baseNingizimu Afrika basancamela ukukhokha ngokheshi kunokusebenzisa amakhadi nezindlela zobuchwepheshe esezikhona kodwa iqiniso wukuthi izikhathi zishintshile futhi kwehlile ukufunwa kukakheshi kusukela kwabheduka i-COVID-19.
“Ngivamile ukuthi umsebenzi weBhange loMbuso wukweseka ukukhula komnotho ngendlela efaka wonke umuntu ngokusimamisa amanani nezezimali futhi yiloko okufanele sigxile kukona kunokwenza izinguquko ezinqala kodwa hhayi uma sikhuluma ngezindlela zokukhokha,” kusho yena.
Uthe sekuneminyaka inciphile indlela okufunwa ngayo imali engamaphepha newuhlweza.
“Ngonyaka odlule, imali engamaphepha newuhlweza yehle ngo-0.8% okuyikona kwehla okukhulu kunako konke kusukela ngo-1960. Imvamisa, ukukhula kukakheshi kuhambisana nokukhula komnotho kodwa loko kushintshile emva kwe-COVID-19.
“Ukube ukheshi ubukhula ngokushesha njengale ndlela esibone ngayo eminyakeni eyishumi edlule, ngabe kukhona imali engaphezu ngo-R60 billion emalini engamaphepha newuhlweza kwegayiwe. ‘Le mali eshodayo’ itshengisa ukushintsha kwezindlela zokukhokha. Ukheshi ungaba yinto enkulu kodwa izinto ziyashintsha,” kusho uKganyago.
Uthe loku kungenxa yezinye izindlela zokukhokha esezikhona. Uthe esinye isibonelo yiPayShap, indlela yokukhokha ezitolo usebenzisa ubuchwepheshe eyethulwe ngonyaka odlule futhi engenisa ngamandla. Ubalule nezinye izindlela ezisetshenziswa yiBrazil ne-India.
UKganyago uthe iNingizimu Afrika ike yahamba phambili ekwethuleni izinguquko ezithinta ukukhokha. Yaba ngelinye lamazwe okuqala asebenzisa uhlelo lokuthi umuntu ayithole ngaleso sikhathi imali yakhe ngisho ngabe ifakwe wumuntu osebenzisa elinye ibhange, phecelezi i-real-time clearing ngo-2006. Ngo-2019 yethula uhlelo lokuqinisekisa imali umuntu asuke egunyaze ukuthi ibanjwe kwi-akhawunti yakhe, i-DebiCheck.
IBhange loMbuso lisanda kuqala uhlelo elibheka ngalo indlela yokushintsha ekusebenziseni ukheshi kukhokhwe ngobuchwepheshe, i-Payments Ecosystem Modernisation Programme.
FUNDA NALAPHA: https://www.umbele.co.za/2023/05/04/ibhange-lombuso-lethule-imali-entsha-edle-ngezimpawu-zokuphepha-uslindile-khanyile-uyabika/
“Lolu yilona hlelo olukhulu olwenziwa yiBhange loMbuso ezindleleni zokukhokha kusukela lethula i-South African Multiple Option Settlement system, noma i-SAMOS, eminyakeni engaphezu kwewu-30 edlule. Inhloso enkulu yalolu hlelo wukuba nophiko oluzohlinzeka ngengqalasizinda yokukhokha ngobuchwepheshe.
“Noma ngabe yiluphi uhlelo olufana nalolu kufanele lubenezindlela zokuphepha futhi zokugwema ukukhwabanisa. Ihlazo esisanda kuzwa ngalo elithinta ukuntshontsha kwezibonelelo kuma-akhawunti asePostbank lusikhumbuza ukuthi ezokuphepha zibaluleke kangakanani uma sikhuluma ngezindlela zokukhokha,” kusho umphathi weBhange loMbuso.
Uthe kumqoka futhi ukuthi kube yinto yawo wonke umuntu waseNingizimu Afrika osemakhaya, edolobheni, ocebile, ohlwempu, kungabi yinto yeqeqebana elithile.
Enaba ngokuthi abantu baseNingizimu Afrika abaningi basakholelwa kakhulu ekukhokheni ngokheshi esikhundleni samakhadi nangezinye izindlela zobuchwepheshe besimanje, uthe loku kubabeka engozini futhi kusho ukuthi abahlomuli kwezinye izinto ezihambisana nokukhokha ngamakhadi nangobuchwepheshe.
“Ngiyaziqhenya kakhulu ngemali yethu… iwuphawu lwethemba. Nokho njengoba sasho kumqulu wethu lapho sikhuluma khona ngezindlela zokukhokha ezisebenzisa ubuchwepheshe i-Digital Payments Roadmap , owashicilelwa ezinyangeni ezimbalwa ezidlule, abantu baseNingizimu Afrika bathembele kakhulu kukheshi. Yize abantu abaningi baseNingizimu Afrika sebenama-akhawunti asebhange, abaningi basayiwundula yonke imali uma nje iqeda ukungena kuma-akhawunti abo. Loku kusho ukuthi bayaphuthelwa wukuphepha nobula bempilo okuhambisana nokukhokha ngezindlela zobuchwepheshe,” kusho uKganyago.
Uthe sekuphele amakhulu eminyaka amaBhange oMbuso esebenzisa izindlela ezenza kubeyiwona kuphela alawula izinto ezithile njengokugaya imali nokuphatha ama-wholesale payment system yize kokunye esebenzisana nabanye abantu.
UKganyago uthe enye inkinga enkulu ngokuthi kube nguwe wedwa ohlinzeka ngento wukuthi ugcina usuphelelwe wukuqhamuka nezinto ezintsha. Uthe yize kuyibona bodwa abanegunya lokugaya imali ezweni futhi okuyinto ebalethela inzuzo enhle kodwa bazimisele ukuqhamuka nezindlela ezintsha futhi ababhekile ukuthi kube yibona bodwa abakhonyayo, inqobo nje uma izwe lizohambisana noshintsho olwenzekayo.