1 00:00:00,000 --> 00:00:00,468 2 00:00:00,468 --> 00:00:05,141 Iindlela zokuhlawula zedijithali ziya zixhaphaka ngokukhawuleza kwihlabathi jikelele, kwaye nangona abantu baseJamani 3 00:00:05,141 --> 00:00:10,432 bethanda imali engxoweni, nabo baye baba ngabantu abakhulayo abahlawula ngaphandle kokudibana nangeselula. 4 00:00:10,432 --> 00:00:14,582 Kwangaxeshanye, ukusetyenziswa kwemali ekhatshwayo nako kuya kusiba nzima ngakumbi nangakumbi. 5 00:00:14,582 --> 00:00:19,580 Ukusetyenziswa kwayo kunqunyelwe, phakathi kwezinye izinto, ekulweni nokuhlanzwa kwemali engcolileyo nolwaphulo-mthetho. 6 00:00:19,580 --> 00:00:25,076 Iibhanki nazo ziyanciphisa inani leematshini zazo zemali, iivenkile zithintela iintlawulo ngemali, 7 00:00:25,076 --> 00:00:31,754 ngelixa kwangaxeshanye kukhuthazwa ngakumbi iindlela zokuhlawula zedijithali egameni lwenkqubela. 8 00:00:31,754 --> 00:00:41,414 Imali engukheshi yinxalenye ebalulekileyo yentengiselwano yokuhlawula kwaye ibaluleke kakhulu ekusebenzeni kwentlalo yethu. 9 00:00:41,414 --> 00:00:50,480 Ubuthathaka beenkqubo zentlawulo ze-digital kuphela bubonakaliswe kutshanje luhlaziyo lweWindows olunesiphene. 10 00:00:50,480 --> 00:00:54,080 Uhlaziyo olunye olunjalo lwalwanele ukukhubaza izigidi zeekhompyutha kwihlabathi jikelele, 11 00:00:54,080 --> 00:00:59,211 luphazamisa imisebenzi yezikhululo zeenqwelomoya, ii-arhente zikarhulumente kwanamagosa ebhanki. 12 00:00:59,211 --> 00:01:03,568 Kwelinye icala, imali engxoweni iqinisekisa ukuba iintengiselwano zentlawulo ziyaqhubeka zisebenza 13 00:01:03,568 --> 00:01:09,818 ngokukhuselekileyo nangokuzimeleyo, kwanakwisiganeko sokuphazamiseka kobuchwepheshe okanye kwe-elektroniki. 14 00:01:09,818 --> 00:01:16,951 Ukongeza, imali yamaphepha ivumela iintlawulo zomntu ongaziwayo, ikhusela kulandelelo lwezorhwebo kwaye ingasetyenziswa 15 00:01:16,951 --> 00:01:21,943 lula nguye nabani na ngaphandle kwezithintelo zobuchwepheshe. 16 00:01:21,943 --> 00:01:26,908 Ngale ndlela, imali ikwayinkululeko eprintiweyo. 17 00:01:26,908 --> 00:01:37,740 Ukushwankathela kwaye ukuthetha ngqo, umntu angathi ke ngoko: ukuba besingenayo sele imali, ngoku lixesha lokuyiqamba. 18 00:01:37,740 --> 00:01:41,760 Kodwa zeziphi izizathu ezibangela le meko inamandla nengakhethi cala yokushiya imali engxoweni 19 00:01:41,760 --> 00:01:44,654 – nangona kukho iingozi ezikhankanywe ngasentla? 20 00:01:44,654 --> 00:01:49,576 Ngokutsho kweintatheli yezoshishino yaseJamani uNorbert Häring, olu phuhliso alusiyonto yenzeke ngamabona-ndenzile. 21 00:01:49,576 --> 00:01:56,688 Ngokoluvo lwakhe, emva koku kukho uthungelwano olunamandla lwamazwe ngamazwe, apho, okubalulekileyo, embindini walo 22 00:01:56,688 --> 00:02:03,869 kukho imibutho efana neBill & Melinda Gates Foundation, iWorld Bank, i-IMF, kwaye ke, i-mafia yezemali yehlabathi. 23 00:02:03,869 --> 00:02:10,281 Ngokuqinisekileyo ayisebenzisi amandla ayo ukwenza iintlawulo zibe lula kwaye zifaneleke kubantu! 24 00:02:10,281 --> 00:02:17,004 Njengoko kubonisiwe, umzekelo, kwinkqubo ethi "Digital central bank money – the end of freedom!" , la maqela azama ukuseka 25 00:02:17,004 --> 00:02:21,101 iinkqubo ezintsha zentlawulo yedijithali kwihlabathi jikelele. 26 00:02:21,101 --> 00:02:24,660 Nangona kunjalo, imali isengumqobo ekuphunyezweni koku. 27 00:02:24,660 --> 00:02:29,835 Nangona kunjalo, imizekelo emininzi engezantsi ibonisa ukuba izicwangciso zokuphumeza iinkqubo 28 00:02:29,835 --> 00:02:33,595 zentlawulo ezidijithali kuphela zihlala zisilela. 29 00:02:33,595 --> 00:02:38,456 Ngenxa yokuba abantu abaninzi ngokwendalo bayazichitha iinkqubo zentlawulo zedijithali. 30 00:02:38,456 --> 00:02:43,715 Ngenxa yoko, babambelela ngengqondo eqinileyo kwimali – nokuba kwakubiza malini na – baza 31 00:02:43,715 --> 00:02:48,076 ekugqibeleni bawisa inkqubo entsha yeentlawulo zedijithali. 32 00:02:48,076 --> 00:02:55,411 Kwangaxeshanye, ubuthathaka beenkqubo zentlawulo ezinjalo nazo buya buvela, umzekelo, ngenxa yeengxaki ze-IT. 33 00:02:55,411 --> 00:03:01,760 Ngenxa yoko, kwaye ngenxa yokuziphatha okubi kwamacandelo apheleleyo oluntu, oorhulumente batshintsha 34 00:03:01,760 --> 00:03:10,732 ngequbuliso umgaqo-nkqubo wabo wemali kwaye, umzekelo, bamisa ilungelo leentlawulo ngemali kwimimiselo yabo esisiseko. 35 00:03:10,732 --> 00:03:14,372 Nazi ezinye iimizekelo ezikhuthaza kakhulu: 36 00:03:14,372 --> 00:03:19,505 1. Iivenkile ezingenabakhokheli-mali ziyavalwa ngenxa yokunqaba kwabathengi. 37 00:03:19,505 --> 00:03:26,114 Iivenkile ezinkulu ezingenabathengisi zithembisa ukuthenga uhamba, ngaphandle kokulinda okudinayo kwindawo yokuhlawula. 38 00:03:26,114 --> 00:03:30,839 Ovulindlela wale nkqubo yinkampani enkulu ye-intanethi iAmazon, eyenza iindaba kwiminyaka eyadlulayo 39 00:03:30,839 --> 00:03:34,664 ngeevenkile zayo ezingenabathengisi i-"Amazon Go". 40 00:03:34,664 --> 00:03:39,788 Le modeli yokuhlawula isebenza ngokubeka iliso ngevidiyo kunye nokuqaphela ubuso. 41 00:03:39,788 --> 00:03:44,606 Yonke intshukumo yabathengi ijongeka ngeekhamera neesensa ezingenakubalwa. 42 00:03:44,606 --> 00:03:49,868 Iinkqubo ziqonda ngokuzenzekelayo ukuba ngawaphi amaxabiso athathwe ngumthengi. 43 00:03:49,868 --> 00:03:57,052 Ngokungena nokuphuma usebenzisa i-smartphone emnyango wevenkile, inkqubo yokucupha ngevidiyo ke idibanisa ukuthengwa kwento 44 00:03:57,052 --> 00:04:02,547 nomnini-akhawunti kwaye ngokuzenzekelayo itshaye imali ebaliweyo. 45 00:04:02,547 --> 00:04:08,495 Kule nkqubo, kuqokelelwa idatha ye-biometric engabaleki kunye nolwazi malunga nomthengi ngamnye, nto leyo 46 00:04:08,495 --> 00:04:14,814 eyenza ukuba bangabonakali nje kuphela ngokwenyani yegama, kodwa baphinde baqikeleleke. 47 00:04:14,814 --> 00:04:20,030 Ukongeza kwimiba emininzi yokhuseleko lwedatha enxulumene nale teknoloji, kukwakho 48 00:04:20,030 --> 00:04:24,631 nomngcipheko wokuguqulwa kwamaxabiso omntu ngamnye. 49 00:04:24,631 --> 00:04:31,072 Umzekelo, ixabiso lepizza eqandisiweyo yabantu abangatshatanga linokunyuswa ngeempelaveki. 50 00:04:31,072 --> 00:04:38,667 Noko ke, abantu abaninzi babonakala beyayiqonda le nkqubo kwaye ngokwendalo bayaziphepha iivenkile ezinkulu ezinjalo. 51 00:04:38,667 --> 00:04:44,674 I-Amazon ibhengeze ukuba iivenkile ezintandathu ezinjalo ziza kuvalwa ngenxa yokunqongophala kwabathengi. 52 00:04:44,674 --> 00:04:50,239 Oku kubonisa indlela umntu ngamnye anokuthi abelane ngayo ekunqandeni iinkqubo ezinjalo zokubeka iliso ngokugqithisileyo 53 00:04:50,239 --> 00:04:53,435 kunye nokuguqulwa kweenkcukacha zibe zidijithali. 54 00:04:53,435 --> 00:04:58,590 2. Oorhulumente bamandisa ukwamkelwa kwemali 55 00:04:58,590 --> 00:05:05,672 Ngokuchasene nesicwangciso sehlabathi sokuphelisa ukusetyenziswa kwemali, urhulumente waseNorway ufuna ukuqinisekisa abo 56 00:05:05,672 --> 00:05:13,185 bangafuni kusebenzisa iindlela zokuhlawula zedijithali ukuba bangaqhubeka behlawulela iimpahla neenkonzo ngemali. 57 00:05:13,185 --> 00:05:21,676 Ngenxa yokuba inkqubo yentlawulo yedijithali ngokupheleleyo inokukhokelela ekubeni kuvalwe ngokupheleleyo uqoqosho xa kukho 58 00:05:21,676 --> 00:05:29,062 ingxaki, uMphathiswa wezoBulungisa noKhuseleko loLuntu, u-Emilie Enger Mehl, uyacacisa: "Inkqubo yentlawulo 59 00:05:29,062 --> 00:05:32,721 ye-elektroniki kuphela yonyusa ubuthathaka boluntu." 60 00:05:32,721 --> 00:05:36,523 Ngoko ke imali ekhaphayo kufuneka ihlale ikhona xa kukho ingxaki. 61 00:05:36,523 --> 00:05:45,500 Kungoko kuza kwaziswa umthetho wokuqinisekisa ukuba zonke iimpahla neenkonzo ziyaqhubeka zihlawulwa ngemali engxoweni. 62 00:05:45,500 --> 00:05:49,536 Iinzame ezifanayo ziyenziwa kumazwe aliqela aseYurophu: 63 00:05:49,536 --> 00:05:56,280 E-Slovakia, ilungelo leentlawulo ngemali lagcinwa kumgaqo-siseko ngo-2023. 64 00:05:56,280 --> 00:06:03,289 E-Itali, amanyathelo ahlukeneyo okuchasa intlawulo ngemali ephathekayo ayekisiwe nangona bekukho inkcaso evela kwiKomishoni 65 00:06:03,289 --> 00:06:08,417 yaseYurophu, kwaye umda ophezulu wentlawulo yemali ephathekayo wenyuswa ukusuka kwi-€2,000 66 00:06:08,417 --> 00:06:13,332 ukuya kwi-€5,000 ngomhla woku-1 kuJanuwari 2023. 67 00:06:13,332 --> 00:06:24,732 E-Sweden, urhulumente ufuna nokubuyisela umgangatho wemali ka-2017 ngokomthetho aze ayenze ibe yinyanzeliso kwixesha elizayo. 68 00:06:24,732 --> 00:06:33,189 Njengoko ibikade iyindawo eqinileyo yeentlawulo ezingenamali, oku kumele utshintsho olukhulu kumgaqo-nkqubo wezemali eSweden. 69 00:06:33,189 --> 00:06:40,226 Oku kubonisa ukuba idabi lokulwa nokupheliswa kwemali engxoweni alilahlekanga kwaye izinto zinokujika ngokukhawuleza 70 00:06:40,226 --> 00:06:45,081 ukuba abantu bayaqhubeka nokubambelela kwimali engxoweni. 71 00:06:45,081 --> 00:06:50,367 3. Ukupheliswa kwemali engxoweni eNigeria kuyasilela ngokumangalisayo 72 00:06:50,367 --> 00:06:54,960 Ngokutsho kweentatheli yezoshishino yaseJamani uNorbert Häring, iNigeria yintwana yokulinga 73 00:06:54,960 --> 00:06:58,226 ethandwayo yiBill & Melinda Gates Foundation. 74 00:06:58,226 --> 00:07:03,225 NgokukaHäring, amanyathelo amaninzi ayasetyenziswa kwaye avavanywa eNigeria ukubeka uluntu phantsi 75 00:07:03,225 --> 00:07:06,694 kweliso elibukhali elizisebenzelayo ngokupheleleyo. 76 00:07:06,694 --> 00:07:14,319 Umzekelo, ngo-Okthobha ka-2021, i-eNaira, eyayiyeyokuqala yase-Afrika njengemali yedijithali yebhanki engundoqo, yaziswa 77 00:07:14,319 --> 00:07:19,072 apho ngenjongo yokuphelisa ukusetyenziswa kwemali engxoweni. 78 00:07:19,072 --> 00:07:27,665 Noko ke, ukwamkelwa kwe-eNaira eluntwini bekuphantsi kakhulu kangangokuba, kunyaka omnye emva kokuqaliswa kwayo, ngaphantsi 79 00:07:27,665 --> 00:07:32,321 kwe-0.5% yabahlali baseNigeria ababeyamkele le mali intsha. 80 00:07:32,321 --> 00:07:37,495 Ukuze anyanzelele uluntu ukuba luyamkele, uGodwin Emefiele, umchasi oqatha wemali engxoweni kunye negosa 81 00:07:37,495 --> 00:07:42,845 elilawulayo leBhanki Ephakathi yaseNigeria, ususe isixa esikhulu semali engxoweni ekujikelezeni. 82 00:07:42,845 --> 00:07:47,726 Ukwazise nemida yokurhoxiswa kwemali yemihla ngemihla, nto leyo eyabangela iingxaki ezinzulu kubomi babantu 83 00:07:47,726 --> 00:07:52,931 abazizigidi ezizigidi baseNigeria yaza yakhokelela ekuweni okukhulu kweentengiso kwiinkampani ezininzi. 84 00:07:52,931 --> 00:07:58,677 Noko ke, abemi baseNigeria bahlala bemile ngokuqinileyo, nto leyo eyagqibela ngokunyanzela iinkundla ukuba zithathe amanyathelo. 85 00:07:58,677 --> 00:08:03,904 Ngomhla wesi-3 kuMatshi 2023, iNkundla Ephakamileyo yaseNigeria ekugqibeleni iwuxhasile ummangalelo ochasene 86 00:08:03,904 --> 00:08:10,303 nomgaqo-nkqubo wemali webhanki engundoqo, nto leyo eyinyanzelile ukuba imise izicwangciso zayo zokususa imali engxoweni. 87 00:08:10,303 --> 00:08:15,572 Kunyulo olulandelayo, kwanyulwa umongameli omtsha, othe emva koko wasusa uGodwin Emefiele esikhundleni. 88 00:08:15,572 --> 00:08:21,939 UEmefiele wabanjwa kamsinya emva koko kwaye ngoku utyholwa ngokusebenzisa kakubi isikhundla sakhe ngokwama-4.5 ebhiliyoni 89 00:08:21,939 --> 00:08:25,424 kunye nobuqhophololo obungange-2.8 yeebhiliyoni zeedola. 90 00:08:25,424 --> 00:08:32,214 Ngokomhlalutyi wezopolitiko zomhlaba uNick Giambruno, ukwaliwa kwe-eNaira kwakungumqondiso wokungathembi 91 00:08:32,214 --> 00:08:36,864 okunzulu kwabemi baseNigeria kubaphathi abalawulayo. 92 00:08:36,864 --> 00:08:43,441 Impumelelo yomanyano lwabo oluqinileyo ikwayingumzekelo obalaseleyo wamandla 93 00:08:43,441 --> 00:08:49,098 amakhulu anokukhululwa ngabantu xa bemanyene. 94 00:08:49,098 --> 00:08:53,551 Zonke ezi mizekelo zibonisa ngokucacileyo ukuba akukho nto ingenakwenzeka. 95 00:08:53,551 --> 00:08:58,967 Zonke ezi ziganeko zibi, kuquka nokupheliswa kwemali, zisenokunqandwa! 96 00:08:58,967 --> 00:09:06,085 Undoqo koku kukuba abantu babone ngaphaya kwezicwangciso ezikhohlakeleyo zabalawuli abangamakhwapha behlabathi jikelele. 97 00:09:06,085 --> 00:09:14,267 Oku ke kubangela umanyano ekuchaseni, ekungapheleli ekukhokeleleni ekusileleni kweziyilo zobubi 98 00:09:14,267 --> 00:09:19,922 nakwiinguqu ezintle ezilangazelelwa ngumntu wonke. 99 00:09:19,922 --> 00:09:23,395 Ngoko ke, imfundo yeyona nto ibalulekileyo ngoku! 100 00:09:23,395 --> 00:09:28,889 Nguabo kuphela ababona iinzame zobubi zabalawuli abasebenza ngasese abangayi kuwiswa bubuxoki babo. 101 00:09:28,889 --> 00:09:32,257 Masixhamle ngokupheleleyo ixesha esinalo, kuba akukabikho kade!