WEBVTT 00:00.468 --> 00:05.141 Iindlela zokuhlawula zedijithali ziya zixhaphaka ngokukhawuleza kwihlabathi jikelele, kwaye nangona abantu baseJamani 00:05.141 --> 00:10.432 bethanda imali engxoweni, nabo baye baba ngabantu abakhulayo abahlawula ngaphandle kokudibana nangeselula. 00:10.432 --> 00:14.582 Kwangaxeshanye, ukusetyenziswa kwemali ekhatshwayo nako kuya kusiba nzima ngakumbi nangakumbi. 00:14.582 --> 00:19.580 Ukusetyenziswa kwayo kunqunyelwe, phakathi kwezinye izinto, ekulweni nokuhlanzwa kwemali engcolileyo nolwaphulo-mthetho. 00:19.580 --> 00:25.076 Iibhanki nazo ziyanciphisa inani leematshini zazo zemali, iivenkile zithintela iintlawulo ngemali, 00:25.076 --> 00:31.754 ngelixa kwangaxeshanye kukhuthazwa ngakumbi iindlela zokuhlawula zedijithali egameni lwenkqubela. 00:31.754 --> 00:41.414 Imali engukheshi yinxalenye ebalulekileyo yentengiselwano yokuhlawula kwaye ibaluleke kakhulu ekusebenzeni kwentlalo yethu. 00:41.414 --> 00:50.480 Ubuthathaka beenkqubo zentlawulo ze-digital kuphela bubonakaliswe kutshanje luhlaziyo lweWindows olunesiphene. 00:50.480 --> 00:54.080 Uhlaziyo olunye olunjalo lwalwanele ukukhubaza izigidi zeekhompyutha kwihlabathi jikelele, 00:54.080 --> 00:59.211 luphazamisa imisebenzi yezikhululo zeenqwelomoya, ii-arhente zikarhulumente kwanamagosa ebhanki. 00:59.211 --> 01:03.568 Kwelinye icala, imali engxoweni iqinisekisa ukuba iintengiselwano zentlawulo ziyaqhubeka zisebenza 01:03.568 --> 01:09.818 ngokukhuselekileyo nangokuzimeleyo, kwanakwisiganeko sokuphazamiseka kobuchwepheshe okanye kwe-elektroniki. 01:09.818 --> 01:16.951 Ukongeza, imali yamaphepha ivumela iintlawulo zomntu ongaziwayo, ikhusela kulandelelo lwezorhwebo kwaye ingasetyenziswa 01:16.951 --> 01:21.943 lula nguye nabani na ngaphandle kwezithintelo zobuchwepheshe. 01:21.943 --> 01:26.908 Ngale ndlela, imali ikwayinkululeko eprintiweyo. 01:26.908 --> 01:37.740 Ukushwankathela kwaye ukuthetha ngqo, umntu angathi ke ngoko: ukuba besingenayo sele imali, ngoku lixesha lokuyiqamba. 01:37.740 --> 01:41.760 Kodwa zeziphi izizathu ezibangela le meko inamandla nengakhethi cala yokushiya imali engxoweni 01:41.760 --> 01:44.654 – nangona kukho iingozi ezikhankanywe ngasentla? 01:44.654 --> 01:49.576 Ngokutsho kweintatheli yezoshishino yaseJamani uNorbert Häring, olu phuhliso alusiyonto yenzeke ngamabona-ndenzile. 01:49.576 --> 01:56.688 Ngokoluvo lwakhe, emva koku kukho uthungelwano olunamandla lwamazwe ngamazwe, apho, okubalulekileyo, embindini walo 01:56.688 --> 02:03.869 kukho imibutho efana neBill & Melinda Gates Foundation, iWorld Bank, i-IMF, kwaye ke, i-mafia yezemali yehlabathi. 02:03.869 --> 02:10.281 Ngokuqinisekileyo ayisebenzisi amandla ayo ukwenza iintlawulo zibe lula kwaye zifaneleke kubantu! 02:10.281 --> 02:17.004 Njengoko kubonisiwe, umzekelo, kwinkqubo ethi "Digital central bank money – the end of freedom!" , la maqela azama ukuseka 02:17.004 --> 02:21.101 iinkqubo ezintsha zentlawulo yedijithali kwihlabathi jikelele. 02:21.101 --> 02:24.660 Nangona kunjalo, imali isengumqobo ekuphunyezweni koku. 02:24.660 --> 02:29.835 Nangona kunjalo, imizekelo emininzi engezantsi ibonisa ukuba izicwangciso zokuphumeza iinkqubo 02:29.835 --> 02:33.595 zentlawulo ezidijithali kuphela zihlala zisilela. 02:33.595 --> 02:38.456 Ngenxa yokuba abantu abaninzi ngokwendalo bayazichitha iinkqubo zentlawulo zedijithali. 02:38.456 --> 02:43.715 Ngenxa yoko, babambelela ngengqondo eqinileyo kwimali – nokuba kwakubiza malini na – baza 02:43.715 --> 02:48.076 ekugqibeleni bawisa inkqubo entsha yeentlawulo zedijithali. 02:48.076 --> 02:55.411 Kwangaxeshanye, ubuthathaka beenkqubo zentlawulo ezinjalo nazo buya buvela, umzekelo, ngenxa yeengxaki ze-IT. 02:55.411 --> 03:01.760 Ngenxa yoko, kwaye ngenxa yokuziphatha okubi kwamacandelo apheleleyo oluntu, oorhulumente batshintsha 03:01.760 --> 03:10.732 ngequbuliso umgaqo-nkqubo wabo wemali kwaye, umzekelo, bamisa ilungelo leentlawulo ngemali kwimimiselo yabo esisiseko. 03:10.732 --> 03:14.372 Nazi ezinye iimizekelo ezikhuthaza kakhulu: 03:14.372 --> 03:19.505 1. Iivenkile ezingenabakhokheli-mali ziyavalwa ngenxa yokunqaba kwabathengi. 03:19.505 --> 03:26.114 Iivenkile ezinkulu ezingenabathengisi zithembisa ukuthenga uhamba, ngaphandle kokulinda okudinayo kwindawo yokuhlawula. 03:26.114 --> 03:30.839 Ovulindlela wale nkqubo yinkampani enkulu ye-intanethi iAmazon, eyenza iindaba kwiminyaka eyadlulayo 03:30.839 --> 03:34.664 ngeevenkile zayo ezingenabathengisi i-"Amazon Go". 03:34.664 --> 03:39.788 Le modeli yokuhlawula isebenza ngokubeka iliso ngevidiyo kunye nokuqaphela ubuso. 03:39.788 --> 03:44.606 Yonke intshukumo yabathengi ijongeka ngeekhamera neesensa ezingenakubalwa. 03:44.606 --> 03:49.868 Iinkqubo ziqonda ngokuzenzekelayo ukuba ngawaphi amaxabiso athathwe ngumthengi. 03:49.868 --> 03:57.052 Ngokungena nokuphuma usebenzisa i-smartphone emnyango wevenkile, inkqubo yokucupha ngevidiyo ke idibanisa ukuthengwa kwento 03:57.052 --> 04:02.547 nomnini-akhawunti kwaye ngokuzenzekelayo itshaye imali ebaliweyo. 04:02.547 --> 04:08.495 Kule nkqubo, kuqokelelwa idatha ye-biometric engabaleki kunye nolwazi malunga nomthengi ngamnye, nto leyo 04:08.495 --> 04:14.814 eyenza ukuba bangabonakali nje kuphela ngokwenyani yegama, kodwa baphinde baqikeleleke. 04:14.814 --> 04:20.030 Ukongeza kwimiba emininzi yokhuseleko lwedatha enxulumene nale teknoloji, kukwakho 04:20.030 --> 04:24.631 nomngcipheko wokuguqulwa kwamaxabiso omntu ngamnye. 04:24.631 --> 04:31.072 Umzekelo, ixabiso lepizza eqandisiweyo yabantu abangatshatanga linokunyuswa ngeempelaveki. 04:31.072 --> 04:38.667 Noko ke, abantu abaninzi babonakala beyayiqonda le nkqubo kwaye ngokwendalo bayaziphepha iivenkile ezinkulu ezinjalo. 04:38.667 --> 04:44.674 I-Amazon ibhengeze ukuba iivenkile ezintandathu ezinjalo ziza kuvalwa ngenxa yokunqongophala kwabathengi. 04:44.674 --> 04:50.239 Oku kubonisa indlela umntu ngamnye anokuthi abelane ngayo ekunqandeni iinkqubo ezinjalo zokubeka iliso ngokugqithisileyo 04:50.239 --> 04:53.435 kunye nokuguqulwa kweenkcukacha zibe zidijithali. 04:53.435 --> 04:58.590 2. Oorhulumente bamandisa ukwamkelwa kwemali 04:58.590 --> 05:05.672 Ngokuchasene nesicwangciso sehlabathi sokuphelisa ukusetyenziswa kwemali, urhulumente waseNorway ufuna ukuqinisekisa abo 05:05.672 --> 05:13.185 bangafuni kusebenzisa iindlela zokuhlawula zedijithali ukuba bangaqhubeka behlawulela iimpahla neenkonzo ngemali. 05:13.185 --> 05:21.676 Ngenxa yokuba inkqubo yentlawulo yedijithali ngokupheleleyo inokukhokelela ekubeni kuvalwe ngokupheleleyo uqoqosho xa kukho 05:21.676 --> 05:29.062 ingxaki, uMphathiswa wezoBulungisa noKhuseleko loLuntu, u-Emilie Enger Mehl, uyacacisa: "Inkqubo yentlawulo 05:29.062 --> 05:32.721 ye-elektroniki kuphela yonyusa ubuthathaka boluntu." 05:32.721 --> 05:36.523 Ngoko ke imali ekhaphayo kufuneka ihlale ikhona xa kukho ingxaki. 05:36.523 --> 05:45.500 Kungoko kuza kwaziswa umthetho wokuqinisekisa ukuba zonke iimpahla neenkonzo ziyaqhubeka zihlawulwa ngemali engxoweni. 05:45.500 --> 05:49.536 Iinzame ezifanayo ziyenziwa kumazwe aliqela aseYurophu: 05:49.536 --> 05:56.280 E-Slovakia, ilungelo leentlawulo ngemali lagcinwa kumgaqo-siseko ngo-2023. 05:56.280 --> 06:03.289 E-Itali, amanyathelo ahlukeneyo okuchasa intlawulo ngemali ephathekayo ayekisiwe nangona bekukho inkcaso evela kwiKomishoni 06:03.289 --> 06:08.417 yaseYurophu, kwaye umda ophezulu wentlawulo yemali ephathekayo wenyuswa ukusuka kwi-€2,000 06:08.417 --> 06:13.332 ukuya kwi-€5,000 ngomhla woku-1 kuJanuwari 2023. 06:13.332 --> 06:24.732 E-Sweden, urhulumente ufuna nokubuyisela umgangatho wemali ka-2017 ngokomthetho aze ayenze ibe yinyanzeliso kwixesha elizayo. 06:24.732 --> 06:33.189 Njengoko ibikade iyindawo eqinileyo yeentlawulo ezingenamali, oku kumele utshintsho olukhulu kumgaqo-nkqubo wezemali eSweden. 06:33.189 --> 06:40.226 Oku kubonisa ukuba idabi lokulwa nokupheliswa kwemali engxoweni alilahlekanga kwaye izinto zinokujika ngokukhawuleza 06:40.226 --> 06:45.081 ukuba abantu bayaqhubeka nokubambelela kwimali engxoweni. 06:45.081 --> 06:50.367 3. Ukupheliswa kwemali engxoweni eNigeria kuyasilela ngokumangalisayo 06:50.367 --> 06:54.960 Ngokutsho kweentatheli yezoshishino yaseJamani uNorbert Häring, iNigeria yintwana yokulinga 06:54.960 --> 06:58.226 ethandwayo yiBill & Melinda Gates Foundation. 06:58.226 --> 07:03.225 NgokukaHäring, amanyathelo amaninzi ayasetyenziswa kwaye avavanywa eNigeria ukubeka uluntu phantsi 07:03.225 --> 07:06.694 kweliso elibukhali elizisebenzelayo ngokupheleleyo. 07:06.694 --> 07:14.319 Umzekelo, ngo-Okthobha ka-2021, i-eNaira, eyayiyeyokuqala yase-Afrika njengemali yedijithali yebhanki engundoqo, yaziswa 07:14.319 --> 07:19.072 apho ngenjongo yokuphelisa ukusetyenziswa kwemali engxoweni. 07:19.072 --> 07:27.665 Noko ke, ukwamkelwa kwe-eNaira eluntwini bekuphantsi kakhulu kangangokuba, kunyaka omnye emva kokuqaliswa kwayo, ngaphantsi 07:27.665 --> 07:32.321 kwe-0.5% yabahlali baseNigeria ababeyamkele le mali intsha. 07:32.321 --> 07:37.495 Ukuze anyanzelele uluntu ukuba luyamkele, uGodwin Emefiele, umchasi oqatha wemali engxoweni kunye negosa 07:37.495 --> 07:42.845 elilawulayo leBhanki Ephakathi yaseNigeria, ususe isixa esikhulu semali engxoweni ekujikelezeni. 07:42.845 --> 07:47.726 Ukwazise nemida yokurhoxiswa kwemali yemihla ngemihla, nto leyo eyabangela iingxaki ezinzulu kubomi babantu 07:47.726 --> 07:52.931 abazizigidi ezizigidi baseNigeria yaza yakhokelela ekuweni okukhulu kweentengiso kwiinkampani ezininzi. 07:52.931 --> 07:58.677 Noko ke, abemi baseNigeria bahlala bemile ngokuqinileyo, nto leyo eyagqibela ngokunyanzela iinkundla ukuba zithathe amanyathelo. 07:58.677 --> 08:03.904 Ngomhla wesi-3 kuMatshi 2023, iNkundla Ephakamileyo yaseNigeria ekugqibeleni iwuxhasile ummangalelo ochasene 08:03.904 --> 08:10.303 nomgaqo-nkqubo wemali webhanki engundoqo, nto leyo eyinyanzelile ukuba imise izicwangciso zayo zokususa imali engxoweni. 08:10.303 --> 08:15.572 Kunyulo olulandelayo, kwanyulwa umongameli omtsha, othe emva koko wasusa uGodwin Emefiele esikhundleni. 08:15.572 --> 08:21.939 UEmefiele wabanjwa kamsinya emva koko kwaye ngoku utyholwa ngokusebenzisa kakubi isikhundla sakhe ngokwama-4.5 ebhiliyoni 08:21.939 --> 08:25.424 kunye nobuqhophololo obungange-2.8 yeebhiliyoni zeedola. 08:25.424 --> 08:32.214 Ngokomhlalutyi wezopolitiko zomhlaba uNick Giambruno, ukwaliwa kwe-eNaira kwakungumqondiso wokungathembi 08:32.214 --> 08:36.864 okunzulu kwabemi baseNigeria kubaphathi abalawulayo. 08:36.864 --> 08:43.441 Impumelelo yomanyano lwabo oluqinileyo ikwayingumzekelo obalaseleyo wamandla 08:43.441 --> 08:49.098 amakhulu anokukhululwa ngabantu xa bemanyene. 08:49.098 --> 08:53.551 Zonke ezi mizekelo zibonisa ngokucacileyo ukuba akukho nto ingenakwenzeka. 08:53.551 --> 08:58.967 Zonke ezi ziganeko zibi, kuquka nokupheliswa kwemali, zisenokunqandwa! 08:58.967 --> 09:06.085 Undoqo koku kukuba abantu babone ngaphaya kwezicwangciso ezikhohlakeleyo zabalawuli abangamakhwapha behlabathi jikelele. 09:06.085 --> 09:14.267 Oku ke kubangela umanyano ekuchaseni, ekungapheleli ekukhokeleleni ekusileleni kweziyilo zobubi 09:14.267 --> 09:19.922 nakwiinguqu ezintle ezilangazelelwa ngumntu wonke. 09:19.922 --> 09:23.395 Ngoko ke, imfundo yeyona nto ibalulekileyo ngoku! 09:23.395 --> 09:28.889 Nguabo kuphela ababona iinzame zobubi zabalawuli abasebenza ngasese abangayi kuwiswa bubuxoki babo. 09:28.889 --> 09:32.257 Masixhamle ngokupheleleyo ixesha esinalo, kuba akukabikho kade!