WEBVTT 00:00.468 --> 00:05.145 Hanyoyin biyan kuɗi na dijital suna samun karɓuwa cikin sauri a duk faɗin duniya, kuma duk da son kuɗin 00:05.145 --> 00:10.432 hannu da 'yan Jamus ke yi, su ma suna ƙara biyan kuɗi ba tare da taɓawa ba da ta wayar hannu. 00:10.432 --> 00:14.582 A lokaci guda, amfani da kuɗi na hannu ma yana ƙara zama mai wahala. 00:14.582 --> 00:19.580 Ana iyakance amfani da shi, tsakanin sauran abubuwa, don yaki da wanke kuɗi da laifuka. 00:19.580 --> 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 00:26.749 --> 00:31.754 ƙara gabatar da tsarin biyan kuɗi na dijital a madadin ci gaba. 00:31.754 --> 00:41.414 Kudi na hannu muhimmin ɓangare ne na mu'amalolin biyan kuɗi kuma yana da matuƙar muhimmanci ga aikin al'ummarmu. 00:41.414 --> 00:50.480 Raunin tsarin biyan kuɗi na dijital kawai an nuna shi kwanan nan ta sabunta Windows mai lahani. 00:50.480 --> 00:55.361 Wani irin wannan sabuntawa ya isa ya sanyaya kwamfutoci miliyoyin a duniya baki ɗaya, ya sa filayen jiragen 00:55.361 --> 00:59.211 sama, hukumomin gwamnati har ma da bankuna su tsaya cak. 00:59.211 --> 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 01:05.118 --> 01:09.818 'yanci ko da idan aka samu matsalolin fasaha ko na dijital. 01:09.818 --> 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 01:15.597 --> 01:21.943 kasuwanci, kuma kowa zai iya amfani da shi cikin sauƙi ba tare da wata matsala ta fasaha ba. 01:21.943 --> 01:26.908 A cikin wannan ma'ana, kuɗi ma ana buga shi a matsayin 'yanci. 01:26.908 --> 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. 01:37.740 --> 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? 01:44.654 --> 01:49.576 A cewar ɗan jaridar kasuwanci na Jamus Norbert Häring, wannan ci gaba ba haɗari ba ne. 01:49.576 --> 01:56.781 A ganinsa, a bayan wannan akwai wata babbar cibiyar sadarwa ta duniya, a tsakiyar ta kuma, abin da ya fi muhimmanci, 01:56.781 --> 02:03.869 akwai kungiyoyi kamar Gidauniyar Bill & Melinda Gates, Bankin Duniya, IMF, da haka kuma mafia na kuɗi na duniya. 02:03.869 --> 02:10.281 Tabbas ba ya amfani da ikon sa don sauƙaƙa biyan kuɗi ga mutane! 02:10.281 --> 02:15.277 Kamar yadda aka nuna, misali, a cikin shirin "Kudin bankin tsakiya na dijital – ƙarshen 'yanci!" , 02:15.277 --> 02:21.101 waɗannan ƙungiyoyi suna cikin aiwatar da kafa sabbin tsarin biyan kuɗi na dijital a duk faɗin duniya. 02:21.101 --> 02:24.660 Duk da haka, kuɗi har yanzu suna tsaye a hanyar aiwatar da wannan. 02:24.660 --> 02:29.965 Duk da haka, misalai da dama a ƙasa suna nuna cewa shirye-shirye na aiwatar da tsarin biyan 02:29.965 --> 02:33.595 kuɗi na dijital kawai sau da yawa suna kasa. 02:33.595 --> 02:38.456 Saboda mutane da yawa suna ƙin tsarin biyan kuɗi na dijital ta tunani na farko. 02:38.456 --> 02:44.173 Saboda haka suka manne da kudi ƙwarai – ba tare da la'akari da farashin da hakan ya jawo ba – kuma a 02:44.173 --> 02:48.076 ƙarshe suka rushe sabon tsarin biyan kuɗi na dijital. 02:48.076 --> 02:55.411 A lokaci guda, raunukan irin waɗannan tsarin biyan kuɗi ma suna bayyana, misali sakamakon matsalolin fasahar bayanai. 02:55.411 --> 03:02.693 Sakamakon haka, kuma saboda mummunan ra'ayi na wasu sassa na al'umma, gwamnatoci kwatsam suka canza manufofin 03:02.693 --> 03:10.732 su na biyan kuɗi, kuma, misali, sun tabbatar da hakkin biyan kuɗi a cikin kundin tsarin mulkinsu. 03:10.732 --> 03:14.372 Ga wasu misalai masu matuƙar ƙarfafawa: 03:14.372 --> 03:19.505 1. Shagunan da ba sa da mai karɓar kuɗi suna rufe saboda rashin kwastomomi. 03:19.505 --> 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. 03:26.114 --> 03:30.767 Jagoran wannan tsarin shi ne babban kamfanin kan layi na Amazon, wanda ya jawo hankalin mutane shekaru da 03:30.767 --> 03:34.664 suka wuce da shagunan Amazon Go marasa ma'aikatan kudi. 03:34.664 --> 03:39.788 Wannan tsarin biyan kuɗi yana aiki ta hanyar sa ido ta bidiyo tare da gane fuska. 03:39.788 --> 03:44.606 Ana sa ido kan kowace motsin kwastomomi ta kamara da na'urorin gano motsi marasa adadi. 03:44.606 --> 03:49.868 Tsarin na'urori suna gane ta atomatik kayayyakin da mai saye ya ɗauka. 03:49.868 --> 03:55.387 Ta hanyar yin rajistar shiga da fita ta wayar salula a ƙofar shagon, tsarin sa ido na bidiyo sai ya 03:55.387 --> 04:02.547 danganta sayayyar da mai asusun sannan ya cire adadin da aka ƙididdige daga asusun sa ta atomatik. 04:02.547 --> 04:07.815 A cikin wannan tsari, ana tattara bayanai marasa adadi na biometric da bayanan sirri game da kowane abokin 04:07.815 --> 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. 04:14.814 --> 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. 04:24.631 --> 04:31.072 Misali, za a iya ƙara farashin pizza mai daskarewa ga mutum ɗaya a ƙarshen mako. 04:31.072 --> 04:38.667 Duk da haka, mutane da yawa suna ganin wannan tsarin kuma a hankali suke gujewa irin waɗannan manyan kantuna. 04:38.667 --> 04:44.674 Amazon ta sanar cewa za a rufe shaguna guda shida irin haka saboda rashin kwastomomi. 04:44.674 --> 04:49.853 Wannan yana nuna yadda kowane mutum zai iya ba da gudunmawa wajen dakatar da irin waɗannan 04:49.853 --> 04:53.435 tsarin leƙen asiri mai yawa da dijitalizasyon. 04:53.435 --> 04:58.590 2. Gwamnatoci suna ƙarfafa karɓar kuɗi 04:58.590 --> 05:05.852 Akasin ajandar duniya ta kawar da kuɗi na hannu, gwamnatin Norway na son tabbatar wa waɗanda ba sa son amfani da 05:05.852 --> 05:13.185 hanyoyin biyan kuɗi na dijital cewa za su iya ci gaba da biyan kayayyaki da ayyuka da kuɗi na hannu. 05:13.185 --> 05:23.107 Tunda cikakken tsarin biyan kuɗi na dijital zai iya haifar da rufewar tattalin arziki gaba ɗaya idan an samu rikici, Ministan 05:23.107 --> 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." 05:32.721 --> 05:36.523 Don haka dole ne a ci gaba da samun kuɗi a hannu idan wani rikici ya faru. 05:36.523 --> 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. 05:45.500 --> 05:49.536 Ana gudanar da irin waɗannan ƙoƙari a wasu ƙasashen Turai: 05:49.536 --> 05:56.280 A Slovakia, an tabbatar da hakkin samun biyan kuɗi a hannu a cikin kundin tsarin mulki a shekarar 2023. 05:56.280 --> 06:04.167 A Italiya, an kawo ƙarshen matakan hana amfani da kuɗi na hannu daban-daban duk da adawa daga Hukumar Tarayyar 06:04.167 --> 06:13.332 Turai, kuma an ɗaga iyakar biyan kuɗi na hannu daga €2,000 zuwa €5,000 a ranar 1 ga Janairu, 2023. 06:13.332 --> 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. 06:24.732 --> 06:29.614 A matsayin tsohuwar cibiyar biyan kuɗi ba tare da takarda ba, wannan yana nuna babban 06:29.614 --> 06:33.189 juyin-juya-hali ne a manufofin kuɗi na Sweden. 06:33.189 --> 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 06:40.019 --> 06:45.081 cikin sauri idan mutane suka ci gaba da riƙe kuɗi na hannu. 06:45.081 --> 06:50.367 3. Rushewar tsarin dakatar da amfani da kuɗi a Najeriya ya sha gagarumar gazawa 06:50.367 --> 06:54.805 A cewar ɗan jaridan harkokin kasuwanci na Jamus, Norbert Häring, Najeriya ita ce ƙasar 06:54.805 --> 06:58.226 gwaji da Bill & Melinda Gates Foundation ke so. 06:58.226 --> 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. 07:06.694 --> 07:14.107 Misali, a watan Oktoba na shekarar 2021, an gabatar da eNaira, ta farko a Afirka na kuɗin bankin tsakiya na 07:14.107 --> 07:19.072 dijital, a wurin don kawo ƙarshen amfani da kuɗi na hannu. 07:19.072 --> 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 07:27.516 --> 07:32.321 kashi 0.5% na mazauna Najeriya ne suka karɓi wannan sabon kuɗi. 07:32.321 --> 07:38.621 Domin tilasta wa al'umma karɓar hakan, Godwin Emefiele, babban mai adawa da kuɗi na hannu kuma gwamnan Babban 07:38.621 --> 07:42.845 Bankin Najeriya, ya cire manyan adadin kuɗi na hannu daga yawo. 07:42.845 --> 07:49.102 Ya kuma kafa iyakokin cire kuɗi na yau da kullum, wanda ya jawo matsanancin wahala ga miliyoyin 'yan Najeriya kuma ya 07:49.102 --> 07:52.931 haifar da babbar faɗuwar tallace-tallace ga kamfanoni da dama. 07:52.931 --> 07:58.677 Duk da haka, al'ummar Najeriya sun tsaya daram, wanda a ƙarshe ya tilasta kotuna su ɗauki mataki. 07:58.677 --> 08:04.469 A ranar 3 ga Maris, 2023, Kotun Koli ta Najeriya ta tabbatar da ƙara da aka shigar kan manufofin kuɗi na 08:04.469 --> 08:10.303 babban bankin ƙasar, inda hakan ya tilasta wa bankin dakatar da shirin kawar da kuɗin takarda. 08:10.303 --> 08:15.572 A zaɓen da ya biyo baya, an zaɓi sabon shugaban ƙasa, wanda daga bisani ya cire Godwin Emefiele daga mukaminsa. 08:15.572 --> 08:21.816 An kama Emefiele ba da jimawa ba bayan haka, kuma yanzu ana tuhumar shi da cin zarafin ofis na 08:21.816 --> 08:25.424 dala biliyan 4.5 da zamba na dala biliyan 2.8. 08:25.424 --> 08:32.215 A cewar masanin nazarin siyasa ta duniya Nick Giambruno, ƙin karɓar eNaira ya kasance alamar zurfin rashin 08:32.215 --> 08:36.864 amana da mutanen Najeriya ke yi wa manyan masu mulki. 08:36.864 --> 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. 08:49.098 --> 08:53.551 Duk waɗannan misalai sun nuna a fili cewa babu abin da ba zai yiwu ba. 08:53.551 --> 08:58.967 Dukkan waɗannan munanan ci gaban, ciki har da kawar da kuɗi na hannu, har yanzu za a iya dakatar da su! 08:58.967 --> 09:06.085 Mabudin wannan shi ne al'umma ta gane makircin mugunta na masu sarrafa lamarin duniya. 09:06.085 --> 09:14.306 Wannan kuwa yana haifar da haɗin kai a cikin juriya, wanda ba shakka zai kai ga rushewar makircin sharri 09:14.306 --> 09:19.922 da kuma samun sauye-sauye masu kyau da kowa ke muradi. 09:19.922 --> 09:23.395 Don haka ilimi shine abin da ake buƙata a yau! 09:23.395 --> 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. 09:28.889 --> 09:32.257 Mu yi amfani da lokacin da muke da shi yadda ya kamata, domin har yanzu ba a makara ba!