Uqhagamshelo lwentlawulo enqamleza imida ngeKhowudi ye-QR ityhilwe mva nje Singapho kwaye Indoneshiya.
Eli nyathelo lenza ukuba abathengi bamaziko emali akhethiweyo kuzo zombini izizwe baqhube iintengiselwano zokuthengisa ngokuskena nje iikhowudi zeQR.
Intsebenziswano, ibhengezwe ngu Ibhanki Indonesia kwaye i Igunya lezezimali laseSingapore, ijolise ekuququzeleleni amava entlawulo afanelekileyo kunye nangenamthungo kwimida.
MAS kunye neBhanki yeNegara Maleyishiya kutshanje kusungulwe uqhagamshelo lwenkqubo yentlawulo yexesha lokwenyani, edibanisa iPayNow yaseSingapore neDuitNow yaseMalaysia. Oku kudityaniswa kuvumela ugqithiselo lwengxowa-mali olukhawulezayo, olukhuselekileyo, nolunoqoqosho lomntu nomntu kunye neentlawulo ezikhutshwayo kuzo zombini izizwe.
Ibhengezwe ngokukhutshwa ngokudibeneyo yi-MAS kunye ne-BNM, unxibelelwano lwaziswa ngexesha le-Singapore FinTech Festival nguRavi Menon, umlawuli olawulayo we-MAS, kunye nabalingane base-Indonesia naseMalaysia.
Ukuphunyezwa koqhagamshelwano lwentlawulo enqumla imida phakathi kwamazwe afana neSingapore, i-Indonesia, neMalaysia kunokuba nefuthe elihle kukhenketho ngeendlela ezininzi.
Iimpembelelo zeNtlawulo enqamlezileyo kuKhenketho
Uncedo kubakhenkethi:
Iinkqubo zokuhlawula ezingenamthungo ziququzelela amava agudileyo kubakhenkethi. Banokwenza iintlawulo ngokulula, nokuba yeyendawo yokuhlala, yeyokutyela, yezothutho, okanye yokuthenga, ngaphandle kokufuna ukuba nexhala malunga nokutshintshiselana ngemali okanye ukuxakeka kwentengiselwano.
Inkcitho eyongeziweyo:
Xa abakhenkethi bekufumanisa kulula ukwenza intlawulo kwilizwe lasemzini, basenokutyekela ekuchitheni imali eninzi. Amava okuhlawula okungenazinkathazo akhuthaza abakhenkethi ukuba bahlolisise kwaye bahlanganyele kwimisebenzi eyahlukeneyo, igalelo kuqoqosho lwendawo.
Umtsalane weNdawo zokufikela:
Amazwe abonelela ngeenkqubo ezisebenzayo zokuhlawula imida anomtsalane ngakumbi kubakhenkethi. Babona ezi ndawo zokufikela njenge-tech-savvy kwaye zilungele abakhenkethi, ezinokutsala abatyeleli abaninzi xa kuthelekiswa neendawo ngaphandle kwezo zikhetho zingenamthungo zentlawulo.
Ukukhuthaza uHambo lweNgingqi:
Ngeenkqubo zentlawulo ezenziwe lula phakathi kwamazwe angabamelwane, abakhenkethi banokuthi bajonge iindawo ezininzi zokuya kulo mmandla. Umzekelo, umntu ondwendwela iSingapore angakufumanisa kunomtsalane ngakumbi ukwandisa uhambo lwakhe lokuya eMalaysia okanye eIndonesia ukuba unokulawula ngokulula iintlawulo kwezi ndawo.
Ukuququzelela amaShishini amaNcinci:
Kumashishini asekuhlaleni axhomekeke kukhenketho, iindlela zokuhlawula ezilula zinokutsala abathengi abaninzi kwaye zincede la mashishini aphumelele. Banokubonelela ngokufanelekileyo ngakumbi kubakhenkethi bamazwe ngamazwe ngaphandle kokukhathazeka malunga neenkqubo zentlawulo ezinzima.
IBhanki yase-Indonesia (BI) kunye noGunyaziwe weMali waseSingapore (MAS) utyhile izicwangciso zesakhelo sokuhlaliswa kwemali yendawo kwingxelo edibeneyo. Esi sikhokelo, ekulindeleke ukuba sisebenze ngo-2024, sijonge ukuququzelela ukuhlaliswa kwemida-kuquka iintlawulo ze-QR, urhwebo, kunye notyalo-mali-phakathi kwe-Indonesia ne-Singapore usebenzisa iimali zabo zendawo.
I-BI kunye ne-MAS bagxininise ukuba eli nyathelo liya kunceda ukunciphisa umngcipheko wokutshintshiselana kunye neendleko kumashishini kunye nabasebenzisi. Oku kulandela imemorandam yokuqonda yangaphambili esayinwe ngowama-2022 ukukhuthaza utshintshiselwano lwamazwe amabini ngemali yasekhaya, ehambelana neenzame ze-ASEAN zokukhuthaza ukusetyenziswa kweemali zasekhaya kwiitransekshini ze-intra-bloc.
Iibhanki ezisembindini zase-Indonesia, eMalaysia, kwiiPhilippines, eThailand nase-Singapore zazivumelene ngaphambili ukomeleza intsebenziswano kuqhagamshelo lwentlawulo, kunye nebhanki ephakathi yaseVietnam kamva yajoyina.
Nje ukuba inkqubo yemali yasekhaya isebenze, unxibelelwano lwentlawulo lwe-QR olunqumla imida luya kusebenzisa iikowuteshini ezithe ngqo zemilinganiselo yotshintshiselwano lwemali yasekhaya esuka kwiibhanki ze-Appointed Cross Currency Dealer (ACCD).
Umlawuli olawulayo we-MAS, uMnu. Menon, uvakalise ukuba esi sikhokelo siya kuncedisa unxibelelwano lwentlawulo oluqhubekayo, oluphawula isiganeko esibalulekileyo kwi-Singapore's cross-border connections kunye noqoqosho oluphambili lwengingqi.
