1 00:00:00,000 --> 00:00:00,468 2 00:00:00,468 --> 00:00:05,145 Hanyoyin biyan kuɗi na dijital suna samun karɓuwa cikin sauri a duk faɗin duniya, kuma duk da son kuɗin 3 00:00:05,145 --> 00:00:10,432 hannu da 'yan Jamus ke yi, su ma suna ƙara biyan kuɗi ba tare da taɓawa ba da ta wayar hannu. 4 00:00:10,432 --> 00:00:14,582 A lokaci guda, amfani da kuɗi na hannu ma yana ƙara zama mai wahala. 5 00:00:14,582 --> 00:00:19,580 Ana iyakance amfani da shi, tsakanin sauran abubuwa, don yaki da wanke kuɗi da laifuka. 6 00:00:19,580 --> 00:00:26,749 Bankuna ma suna rage yawan na'urorin ATM ɗinsu, shaguna kuma suna takaita biyan kuɗi da kuɗi, yayin da a lokaci guda ake 7 00:00:26,749 --> 00:00:31,754 ƙara gabatar da tsarin biyan kuɗi na dijital a madadin ci gaba. 8 00:00:31,754 --> 00:00:41,414 Kudi na hannu muhimmin ɓangare ne na mu'amalolin biyan kuɗi kuma yana da matuƙar muhimmanci ga aikin al'ummarmu. 9 00:00:41,414 --> 00:00:50,480 Raunin tsarin biyan kuɗi na dijital kawai an nuna shi kwanan nan ta sabunta Windows mai lahani. 10 00:00:50,480 --> 00:00:55,361 Wani irin wannan sabuntawa ya isa ya sanyaya kwamfutoci miliyoyin a duniya baki ɗaya, ya sa filayen jiragen 11 00:00:55,361 --> 00:00:59,211 sama, hukumomin gwamnati har ma da bankuna su tsaya cak. 12 00:00:59,211 --> 00:01:05,118 Kudi na hannu, a gefe guda, yana tabbatar da cewa mu'amalolin biyan kuɗi suna ci gaba da aiki cikin aminci da 13 00:01:05,118 --> 00:01:09,818 'yanci ko da idan aka samu matsalolin fasaha ko na dijital. 14 00:01:09,818 --> 00:01:15,597 Bugu da ƙari, kuɗi na ba da damar biyan kuɗi ba tare da bayyana sunanka ba, yana kare mutum daga sa ido na 15 00:01:15,597 --> 00:01:21,943 kasuwanci, kuma kowa zai iya amfani da shi cikin sauƙi ba tare da wata matsala ta fasaha ba. 16 00:01:21,943 --> 00:01:26,908 A cikin wannan ma'ana, kuɗi ma ana buga shi a matsayin 'yanci. 17 00:01:26,908 --> 00:01:37,740 A taƙaice kuma a faɗi kai tsaye, za a iya cewa: idan ba mu riga mun sami kuɗi ba, yanzu ne lokacin ƙirƙirarsa. 18 00:01:37,740 --> 00:01:44,654 Amma menene dalilan da ke bayan wannan karfi da karkata guda ɗaya daga amfani da kuɗi – duk da haɗarin da aka ambata a sama? 19 00:01:44,654 --> 00:01:49,576 A cewar ɗan jaridar kasuwanci na Jamus Norbert Häring, wannan ci gaba ba haɗari ba ne. 20 00:01:49,576 --> 00:01:56,781 A ganinsa, a bayan wannan akwai wata babbar cibiyar sadarwa ta duniya, a tsakiyar ta kuma, abin da ya fi muhimmanci, 21 00:01:56,781 --> 00:02:03,869 akwai kungiyoyi kamar Gidauniyar Bill & Melinda Gates, Bankin Duniya, IMF, da haka kuma mafia na kuɗi na duniya. 22 00:02:03,869 --> 00:02:10,281 Tabbas ba ya amfani da ikon sa don sauƙaƙa biyan kuɗi ga mutane! 23 00:02:10,281 --> 00:02:15,277 Kamar yadda aka nuna, misali, a cikin shirin "Kudin bankin tsakiya na dijital – ƙarshen 'yanci!" , 24 00:02:15,277 --> 00:02:21,101 waɗannan ƙungiyoyi suna cikin aiwatar da kafa sabbin tsarin biyan kuɗi na dijital a duk faɗin duniya. 25 00:02:21,101 --> 00:02:24,660 Duk da haka, kuɗi har yanzu suna tsaye a hanyar aiwatar da wannan. 26 00:02:24,660 --> 00:02:29,965 Duk da haka, misalai da dama a ƙasa suna nuna cewa shirye-shirye na aiwatar da tsarin biyan 27 00:02:29,965 --> 00:02:33,595 kuɗi na dijital kawai sau da yawa suna kasa. 28 00:02:33,595 --> 00:02:38,456 Saboda mutane da yawa suna ƙin tsarin biyan kuɗi na dijital ta tunani na farko. 29 00:02:38,456 --> 00:02:44,173 Saboda haka suka manne da kudi ƙwarai – ba tare da la'akari da farashin da hakan ya jawo ba – kuma a 30 00:02:44,173 --> 00:02:48,076 ƙarshe suka rushe sabon tsarin biyan kuɗi na dijital. 31 00:02:48,076 --> 00:02:55,411 A lokaci guda, raunukan irin waɗannan tsarin biyan kuɗi ma suna bayyana, misali sakamakon matsalolin fasahar bayanai. 32 00:02:55,411 --> 00:03:02,693 Sakamakon haka, kuma saboda mummunan ra'ayi na wasu sassa na al'umma, gwamnatoci kwatsam suka canza manufofin 33 00:03:02,693 --> 00:03:10,732 su na biyan kuɗi, kuma, misali, sun tabbatar da hakkin biyan kuɗi a cikin kundin tsarin mulkinsu. 34 00:03:10,732 --> 00:03:14,372 Ga wasu misalai masu matuƙar ƙarfafawa: 35 00:03:14,372 --> 00:03:19,505 1. Shagunan da ba sa da mai karɓar kuɗi suna rufe saboda rashin kwastomomi. 36 00:03:19,505 --> 00:03:26,114 Manyan kantuna marasa ma'aikacin kudi suna ba da damar yin siyayya a hanya ba tare da jiran gajiya a wurin biyan kudi ba. 37 00:03:26,114 --> 00:03:30,767 Jagoran wannan tsarin shi ne babban kamfanin kan layi na Amazon, wanda ya jawo hankalin mutane shekaru da 38 00:03:30,767 --> 00:03:34,664 suka wuce da shagunan Amazon Go marasa ma'aikatan kudi. 39 00:03:34,664 --> 00:03:39,788 Wannan tsarin biyan kuɗi yana aiki ta hanyar sa ido ta bidiyo tare da gane fuska. 40 00:03:39,788 --> 00:03:44,606 Ana sa ido kan kowace motsin kwastomomi ta kamara da na'urorin gano motsi marasa adadi. 41 00:03:44,606 --> 00:03:49,868 Tsarin na'urori suna gane ta atomatik kayayyakin da mai saye ya ɗauka. 42 00:03:49,868 --> 00:03:55,387 Ta hanyar yin rajistar shiga da fita ta wayar salula a ƙofar shagon, tsarin sa ido na bidiyo sai ya 43 00:03:55,387 --> 00:04:02,547 danganta sayayyar da mai asusun sannan ya cire adadin da aka ƙididdige daga asusun sa ta atomatik. 44 00:04:02,547 --> 00:04:07,815 A cikin wannan tsari, ana tattara bayanai marasa adadi na biometric da bayanan sirri game da kowane abokin 45 00:04:07,815 --> 00:04:14,814 ciniki, wanda hakan ke sanya su ba wai kawai a bayyane suke ba a ma'anar kalmar gaskiya, har ma ana iya hango su. 46 00:04:14,814 --> 00:04:24,631 Baya ga matsalolin kariyar bayanai da dama da ke tattare da wannan fasaha, akwai kuma haɗarin yin magudi kan farashin mutum ɗaya. 47 00:04:24,631 --> 00:04:31,072 Misali, za a iya ƙara farashin pizza mai daskarewa ga mutum ɗaya a ƙarshen mako. 48 00:04:31,072 --> 00:04:38,667 Duk da haka, mutane da yawa suna ganin wannan tsarin kuma a hankali suke gujewa irin waɗannan manyan kantuna. 49 00:04:38,667 --> 00:04:44,674 Amazon ta sanar cewa za a rufe shaguna guda shida irin haka saboda rashin kwastomomi. 50 00:04:44,674 --> 00:04:49,853 Wannan yana nuna yadda kowane mutum zai iya ba da gudunmawa wajen dakatar da irin waɗannan 51 00:04:49,853 --> 00:04:53,435 tsarin leƙen asiri mai yawa da dijitalizasyon. 52 00:04:53,435 --> 00:04:58,590 2. Gwamnatoci suna ƙarfafa karɓar kuɗi 53 00:04:58,590 --> 00:05:05,852 Akasin ajandar duniya ta kawar da kuɗi na hannu, gwamnatin Norway na son tabbatar wa waɗanda ba sa son amfani da 54 00:05:05,852 --> 00:05:13,185 hanyoyin biyan kuɗi na dijital cewa za su iya ci gaba da biyan kayayyaki da ayyuka da kuɗi na hannu. 55 00:05:13,185 --> 00:05:23,107 Tunda cikakken tsarin biyan kuɗi na dijital zai iya haifar da rufewar tattalin arziki gaba ɗaya idan an samu rikici, Ministan 56 00:05:23,107 --> 00:05:32,721 Shari'a da Tsaron Jama'a, Emilie Enger Mehl, ta bayyana: "Tsarin biyan kuɗi na lantarki kawai yana ƙara raunana al'umma." 57 00:05:32,721 --> 00:05:36,523 Don haka dole ne a ci gaba da samun kuɗi a hannu idan wani rikici ya faru. 58 00:05:36,523 --> 00:05:45,500 Don haka za a gabatar da doka don tabbatar da cewa ana iya ci gaba da biyan duk kayayyaki da ayyuka da kuɗi. 59 00:05:45,500 --> 00:05:49,536 Ana gudanar da irin waɗannan ƙoƙari a wasu ƙasashen Turai: 60 00:05:49,536 --> 00:05:56,280 A Slovakia, an tabbatar da hakkin samun biyan kuɗi a hannu a cikin kundin tsarin mulki a shekarar 2023. 61 00:05:56,280 --> 00:06:04,167 A Italiya, an kawo ƙarshen matakan hana amfani da kuɗi na hannu daban-daban duk da adawa daga Hukumar Tarayyar 62 00:06:04,167 --> 00:06:13,332 Turai, kuma an ɗaga iyakar biyan kuɗi na hannu daga €2,000 zuwa €5,000 a ranar 1 ga Janairu, 2023. 63 00:06:13,332 --> 00:06:24,732 A ƙasar Sweden, gwamnati ma tana son ta dawo da matakin kuɗi na shekarar 2017 ta doka kuma ta sanya shi dole a nan gaba. 64 00:06:24,732 --> 00:06:29,614 A matsayin tsohuwar cibiyar biyan kuɗi ba tare da takarda ba, wannan yana nuna babban 65 00:06:29,614 --> 00:06:33,189 juyin-juya-hali ne a manufofin kuɗi na Sweden. 66 00:06:33,189 --> 00:06:40,019 Wannan yana nuna cewa yaƙin da ake yi don hana kawar da kuɗi na hannu bai ɓace ba, kuma yanayin zai iya juyawa 67 00:06:40,019 --> 00:06:45,081 cikin sauri idan mutane suka ci gaba da riƙe kuɗi na hannu. 68 00:06:45,081 --> 00:06:50,367 3. Rushewar tsarin dakatar da amfani da kuɗi a Najeriya ya sha gagarumar gazawa 69 00:06:50,367 --> 00:06:54,805 A cewar ɗan jaridan harkokin kasuwanci na Jamus, Norbert Häring, Najeriya ita ce ƙasar 70 00:06:54,805 --> 00:06:58,226 gwaji da Bill & Melinda Gates Foundation ke so. 71 00:06:58,226 --> 00:07:06,694 A cewar Häring, ana aiwatar da kuma gwada matakai da dama a Najeriya don sanya al'umma ƙarƙashin cikakken sa ido ta atomatik. 72 00:07:06,694 --> 00:07:14,107 Misali, a watan Oktoba na shekarar 2021, an gabatar da eNaira, ta farko a Afirka na kuɗin bankin tsakiya na 73 00:07:14,107 --> 00:07:19,072 dijital, a wurin don kawo ƙarshen amfani da kuɗi na hannu. 74 00:07:19,072 --> 00:07:27,516 Duk da haka, karɓuwar eNaira a tsakanin jama'a ta kasance ƙasa sosai har cewa, shekara guda bayan an gabatar da ita, ƙasa da 75 00:07:27,516 --> 00:07:32,321 kashi 0.5% na mazauna Najeriya ne suka karɓi wannan sabon kuɗi. 76 00:07:32,321 --> 00:07:38,621 Domin tilasta wa al'umma karɓar hakan, Godwin Emefiele, babban mai adawa da kuɗi na hannu kuma gwamnan Babban 77 00:07:38,621 --> 00:07:42,845 Bankin Najeriya, ya cire manyan adadin kuɗi na hannu daga yawo. 78 00:07:42,845 --> 00:07:49,102 Ya kuma kafa iyakokin cire kuɗi na yau da kullum, wanda ya jawo matsanancin wahala ga miliyoyin 'yan Najeriya kuma ya 79 00:07:49,102 --> 00:07:52,931 haifar da babbar faɗuwar tallace-tallace ga kamfanoni da dama. 80 00:07:52,931 --> 00:07:58,677 Duk da haka, al'ummar Najeriya sun tsaya daram, wanda a ƙarshe ya tilasta kotuna su ɗauki mataki. 81 00:07:58,677 --> 00:08:04,469 A ranar 3 ga Maris, 2023, Kotun Koli ta Najeriya ta tabbatar da ƙara da aka shigar kan manufofin kuɗi na 82 00:08:04,469 --> 00:08:10,303 babban bankin ƙasar, inda hakan ya tilasta wa bankin dakatar da shirin kawar da kuɗin takarda. 83 00:08:10,303 --> 00:08:15,572 A zaɓen da ya biyo baya, an zaɓi sabon shugaban ƙasa, wanda daga bisani ya cire Godwin Emefiele daga mukaminsa. 84 00:08:15,572 --> 00:08:21,816 An kama Emefiele ba da jimawa ba bayan haka, kuma yanzu ana tuhumar shi da cin zarafin ofis na 85 00:08:21,816 --> 00:08:25,424 dala biliyan 4.5 da zamba na dala biliyan 2.8. 86 00:08:25,424 --> 00:08:32,215 A cewar masanin nazarin siyasa ta duniya Nick Giambruno, ƙin karɓar eNaira ya kasance alamar zurfin rashin 87 00:08:32,215 --> 00:08:36,864 amana da mutanen Najeriya ke yi wa manyan masu mulki. 88 00:08:36,864 --> 00:08:49,098 Nasarar juriyarsu mai ƙarfi ita ma babban misali ne mai matuƙar burgewa na ƙarfin da mutane za su iya sakin idan sun haɗu. 89 00:08:49,098 --> 00:08:53,551 Duk waɗannan misalai sun nuna a fili cewa babu abin da ba zai yiwu ba. 90 00:08:53,551 --> 00:08:58,967 Dukkan waɗannan munanan ci gaban, ciki har da kawar da kuɗi na hannu, har yanzu za a iya dakatar da su! 91 00:08:58,967 --> 00:09:06,085 Mabudin wannan shi ne al'umma ta gane makircin mugunta na masu sarrafa lamarin duniya. 92 00:09:06,085 --> 00:09:14,306 Wannan kuwa yana haifar da haɗin kai a cikin juriya, wanda ba shakka zai kai ga rushewar makircin sharri 93 00:09:14,306 --> 00:09:19,922 da kuma samun sauye-sauye masu kyau da kowa ke muradi. 94 00:09:19,922 --> 00:09:23,395 Don haka ilimi shine abin da ake buƙata a yau! 95 00:09:23,395 --> 00:09:28,889 Sai waɗanda suka hango munanan shirye-shirye na masu sarrafa bawulori a bayan fage ne kawai ba za su fada cikin ƙaryarsu ba. 96 00:09:28,889 --> 00:09:32,257 Mu yi amfani da lokacin da muke da shi yadda ya kamata, domin har yanzu ba a makara ba!