1 00:00:00,000 --> 00:00:00,468 2 00:00:00,468 --> 00:00:06,654 Izindlela zokukhokha zedijithali zithola ukuthandwa ngokushesha emhlabeni wonke, futhi naphezu kokuthanda kwabo imali, amaJalimane 3 00:00:06,654 --> 00:00:10,432 nawo ayakhokha ngokuya ngokuya ngokungathinti nangocingo. 4 00:00:10,432 --> 00:00:14,582 Ngasikhathi sinye, ukusetshenziswa kwemali esandleni nakho kuya kusiba nzima kakhulu. 5 00:00:14,582 --> 00:00:19,580 Ukusetshenziswa kwayo kunqunyelwe, phakathi kwezinye izinto, ukulwa nokuwasha imali nobugebengu. 6 00:00:19,580 --> 00:00:25,209 Amabhange nawo ayanciphisa inani lemishini yokukhipha imali, izitolo zinciphisa izinkokhelo ngemali, kanti 7 00:00:25,209 --> 00:00:31,754 ngasikhathi sinye kungeniswa izinhlelo zokukhokha zedijithali eziningi egameni lenqubekela phambili. 8 00:00:31,754 --> 00:00:41,414 Imali yesandla iyisici esibalulekile ekuthengiselaneni kokukhokha futhi ibalulekile ekusebenzeni komphakathi wethu. 9 00:00:41,414 --> 00:00:50,480 Ubuthakathaka bezinhlelo zokukhokha ezidijithali ngokuphelele bubonisiwe muva nje ngesibuyekezo seWindows esiphutha. 10 00:00:50,480 --> 00:00:54,508 Isibuyekezo esisodwa esinjalo sasanele ukuvimba amakhompyutha ayizigidi emhlabeni wonke, sabangela ukuthi 11 00:00:54,508 --> 00:00:59,211 izikhumulo zezindiza zonke, izikhungo zikahulumeni ngisho nezamabhange zime ngokuphelele. 12 00:00:59,211 --> 00:01:03,926 Imali esandleni, ngakolunye uhlangothi, iqinisekisa ukuthi ukuthengiselana kwezimali kuqhubeka kusebenza 13 00:01:03,926 --> 00:01:09,818 ngokuphepha nangokuzimela ngisho nasezikhathini zokuphazamiseka kobuchwepheshe noma kwedijithali. 14 00:01:09,818 --> 00:01:17,191 Ngaphezu kwalokho, imali ebhukhikhathi ivumela izinkokhelo ezingaziwa, ivikela ekuqapheni kwezohwebo futhi ingasetshenziswa 15 00:01:17,191 --> 00:01:21,943 kalula yinoma ubani ngaphandle kwezithiyo zobuchwepheshe. 16 00:01:21,943 --> 00:01:26,908 Ngalesi simo, imali ephathekayo nayo iyinkululeko eprintiwe. 17 00:01:26,908 --> 00:01:37,740 Ngokufingqa futhi ngokusobala, umuntu angathi-ke: uma besingakabi nemali, manje bekuyoba yisikhathi sokuyiqamba. 18 00:01:37,740 --> 00:01:41,602 Kodwa yiziphi izizathu ezingemuva kwale ndlela eqinile nenye-siyedwa yokushiya imali 19 00:01:41,602 --> 00:01:44,654 esandleni – naphezu kwezingozi ezishiwo ngenhla? 20 00:01:44,654 --> 00:01:49,576 NgokukaNorbert Häring, intatheli yezamabhizinisi yaseJalimane, le nqubekela phambili ayihleleki. 21 00:01:49,576 --> 00:01:56,925 Ngokombono wakhe, ngemuva kwalokhu kunenethiwekhi yamazwe ngamazwe enamandla, phakathi kwayo, okubalulekile, kunezinhlangano 22 00:01:56,925 --> 00:02:03,869 ezifana neBill & Melinda Gates Foundation, iBhange Lomhlaba, i-IMF, ngaleyo ndlela i-mafia yezimali yomhlaba wonke. 23 00:02:03,869 --> 00:02:10,281 Impela ayisebenzisi amandla ayo ukwenza ukukhokha kube lula futhi kube nokunethezeka kubantu! 24 00:02:10,281 --> 00:02:15,151 Njengoba kubonisiwe, isibonelo, ohlelweni olubizwa ngokuthi "Imali yebhange elikhulu yedijithali – ukuphela 25 00:02:15,151 --> 00:02:21,101 kwenkululeko!" , lezi zinhlangano zisebenzela ukusungula izinhlelo ezintsha zokukhokha ngedijithali emhlabeni wonke. 26 00:02:21,101 --> 00:02:24,660 Nokho, imali isasala iyisithiyo ekusebenzisweni kwalokhu. 27 00:02:24,660 --> 00:02:29,450 Nokho, izibonelo eziningi ezilandelayo zikhombisa ukuthi izinhlelo zokwethula izinhlelo 28 00:02:29,450 --> 00:02:33,595 zokukhokha ezidijithali ngokuphelele zivame ukwehluleka. 29 00:02:33,595 --> 00:02:38,456 Ngoba abantu abaningi ngokuzizwa ngaphakathi bayaphika izinhlelo zokukhokha ngedijithali. 30 00:02:38,456 --> 00:02:43,958 Ngakho-ke babambelela ngokuqinile emalini – kungakhathalekile ukuthi kubiza malini kubo – futhi 31 00:02:43,958 --> 00:02:48,076 ekugcineni baqeda uhlelo olusha lokukhokha ngedijithali. 32 00:02:48,076 --> 00:02:52,300 Ngasikhathi sinye, ubuthakathaka bezinjongo zokukhokha ezinjalo buya sobala, isibonelo 33 00:02:52,300 --> 00:02:55,411 ngenxa yamaphutha kwezobuchwepheshe bolwazi. 34 00:02:55,411 --> 00:03:02,585 Ngenxa yalokho, futhi ngenxa yokuziphatha okubi kwezingxenye ezinkulu zabantu, ohulumeni bashintsha ngokuzumayo 35 00:03:02,585 --> 00:03:10,732 inqubomgomo yabo yemali futhi, isibonelo, bafaka emthethosisekelo wabo ilungelo lokukhokhelwa ngemali. 36 00:03:10,732 --> 00:03:14,372 Nazi ezinye izibonelo ezikhuthazayo kakhulu: 37 00:03:14,372 --> 00:03:19,505 1. Izitolo ezingenalo ikhasha ziyavalwa ngenxa yokuntuleka kwamakhasimende. 38 00:03:19,505 --> 00:03:26,114 Izitolo ezinkulu ezingenalo umgcini wemali zithembisa ukuthenga ngenkathi uhamba ngaphandle kokulinda okudikayo ekukhokheni. 39 00:03:26,114 --> 00:03:30,482 Umqambi walolu hlelo yinkampani enkulu eku-inthanethi i-Amazon, eyaba sematheni eminyakeni 40 00:03:30,482 --> 00:03:34,664 eyedlule ngezitolo zayo ze-Amazon Go ezingenabakhokhisi. 41 00:03:34,664 --> 00:03:39,788 Lolu hlelo lokukhokha lusebenza ngokugada ngevidiyo nokuhlonza ubuso. 42 00:03:39,788 --> 00:03:44,606 Yonke inyakazo yamakhasimende ilandelwa amakhamera nezinzwa ezingenakubalwa. 43 00:03:44,606 --> 00:03:49,868 Amasistimu azibona ngokuzenzakalelayo ukuthi yiziphi izimpahla umthengi azithathayo. 44 00:03:49,868 --> 00:03:57,149 Ngokungena nokuphuma usebenzisa i-smartphone emnyango wesitolo, uhlelo lokugada lwamavidiyo luhlanganisa ukuthenga nomnikazi 45 00:03:57,149 --> 00:04:02,547 we-akhawunti futhi luthatha ngokuzenzakalelayo inani elibaliwe. 46 00:04:02,547 --> 00:04:10,048 Kule nqubo, kuqoqwa idatha ye-biometric engenakubalwa kanye nolwazi mayelana nomthengi ngamunye, okwenza bangabonakali 47 00:04:10,048 --> 00:04:14,814 nje kuphela ngokweqiniso, kodwa futhi bangabikezelwa. 48 00:04:14,814 --> 00:04:20,142 Ngaphezu kwezinkinga eziningi zokuvikelwa kwedatha ezihambisana nalobu buchwepheshe, kukhona futhi ingozi 49 00:04:20,142 --> 00:04:24,631 yokuphathwa ngokungafanele kwamanani entengo yomuntu ngamunye. 50 00:04:24,631 --> 00:04:31,072 Isibonelo, intengo ye-pizza eqandisiwe yabantu abangashadile ingakhuphuka ngempelasonto. 51 00:04:31,072 --> 00:04:38,667 Nokho, abantu abaningi babonakala beqonda lolu hlelo futhi ngokwemvelo bagwema izimakethe ezinkulu ezinjalo. 52 00:04:38,667 --> 00:04:44,674 I-Amazon imemezele ukuthi izitolo eziyisithupha ezinjalo zizovalwa ngenxa yokuntuleka kwamakhasimende. 53 00:04:44,674 --> 00:04:53,435 Lokhu kukhombisa ukuthi umuntu ngamunye angasiza kanjani ekuvimbeni izinhlelo zokubhekwa ngokweqile nokudijithalishwa. 54 00:04:53,435 --> 00:04:58,590 2. Uhulumeni baqinisa ukwamukela imali 55 00:04:58,590 --> 00:05:05,495 Ngokuphikisana nohlelo lomhlaba wonke lokususa imali, uhulumeni waseNorway ufuna ukuqinisekisa labo abangafuni 56 00:05:05,495 --> 00:05:13,185 ukusebenzisa izindlela zokukhokha zedijithali ukuthi bangaqhubeka nokukhokha izimpahla nezinsizakalo ngemali. 57 00:05:13,185 --> 00:05:21,162 Njengoba uhlelo lokukhokha ngokuphelele lwedijithali lungaholela ekumisweni ngokuphelele komnotho uma kwenzeka ingozi, 58 00:05:21,162 --> 00:05:29,342 uNgqongqoshe Wezobulungiswa Nezokuphepha Komphakathi, u-Emilie Enger Mehl, uchaza: "Uhlelo lokukhokha oluse-elekthronikhi 59 00:05:29,342 --> 00:05:32,721 ngokuphelele lwandisa ubuthakathaka bomphakathi." 60 00:05:32,721 --> 00:05:36,523 Ngakho-ke imali kumele ihlale itholakala uma kwenzeka ingozi. 61 00:05:36,523 --> 00:05:45,500 Ngakho-ke kuzokwethulwa umthetho ukuqinisekisa ukuthi zonke izimpahla nezinsizakalo zingaqhubeka zikhokhelwa ngemali. 62 00:05:45,500 --> 00:05:49,536 Imizamo efanayo isiqhubeka emazweni ambalwa aseYurophu: 63 00:05:49,536 --> 00:05:56,280 E-Slovakia, ilungelo lokukhokhelwa ngemali kwabekwa emthethosisekelo ngo-2023. 64 00:05:56,280 --> 00:06:04,096 E-Italy, izinyathelo ezahlukene zokumelana nokukhokha ngemali zekhokhisiwe naphezu kokuphikiswa yiKhomishini YaseYurophu, 65 00:06:04,096 --> 00:06:13,332 futhi umkhawulo ophezulu wokukhokha ngemali wenyuswa usuka ku-€2,000 waya ku-€5,000 ngomhlaka 1 Januwari 2023. 66 00:06:13,332 --> 00:06:19,888 E-Sweden, uhulumeni ngisho ufuna ukubuyisela izinga lemali lango-2017 ngokomthetho futhi 67 00:06:19,888 --> 00:06:24,732 ukwenze kube semthethweni esikhathini esizayo. 68 00:06:24,732 --> 00:06:29,750 Njengoba yayingelinye lamazwe aqinile ekukhokheni ngaphandle kwemali, lokhu kumela ukuguquka 69 00:06:29,750 --> 00:06:33,189 okukhulu kakhulu kwenqubomgomo yemali eSweden. 70 00:06:33,189 --> 00:06:40,146 Lokhu kukhombisa ukuthi impi yokulwa nokususwa kwemali yesikashini isekude nokulahlekelwa, futhi izimo zingashintsha 71 00:06:40,146 --> 00:06:45,081 ngokushesha uma abantu beqhubeka begcina imali yesikashini. 72 00:06:45,081 --> 00:06:50,367 3. Ukumiswa kwemali eNigeria kwehluleka ngokumangalisayo 73 00:06:50,367 --> 00:06:54,911 NgokukaNorbert Häring, intatheli yezamabhizinisi yaseJalimane, iNigeria iyigundane lokuhlola 74 00:06:54,911 --> 00:06:58,226 elithandwayo leBill & Melinda Gates Foundation. 75 00:06:58,226 --> 00:07:03,046 Ngokusho kukaHäring, izinyathelo eziningi sezisetshenziswa futhi zivivinywa eNigeria ukuze abantu 76 00:07:03,046 --> 00:07:06,694 babekwe ngaphansi kokuqapha okuzenzakalelayo okuphelele. 77 00:07:06,694 --> 00:07:14,293 Isibonelo, ngo-Okthoba 2021, i-eNaira, imali yokuqala yebhange eliphakathi yedijithali e-Afrika, yethulwa lapho 78 00:07:14,293 --> 00:07:19,072 ngenhloso yokuphelisa ukusetshenziswa kwemali esandleni. 79 00:07:19,072 --> 00:07:27,622 Nokho, ukwamukelwa kwe-eNaira phakathi kwabantu kwakuncane kakhulu kangangokuba, ngemva konyaka owodwa kusethulwe, abantu 80 00:07:27,622 --> 00:07:32,321 abangaphansi kuka-0.5% baseNigeria bamukele le mali entsha. 81 00:07:32,321 --> 00:07:39,006 Ukuze aphoqe umphakathi ukuba uyamukele, uGodwin Emefiele, umphikisi oqinile wemali esandleni kanye nomqondisi weBhange 82 00:07:39,006 --> 00:07:42,845 Elikhulu laseNigeria, wakhupha imali eningi ekujikelezeni. 83 00:07:42,845 --> 00:07:47,563 Waphinde wethula imikhawulo yokuhoxiswa kwemali nsuku zonke, okubangele ubunzima obukhulu bokuphila 84 00:07:47,563 --> 00:07:52,931 kwizigidi zabantu baseNigeria futhi kwaholela ekwehleni okukhulu kokuthengiswa kwezinkampani eziningi. 85 00:07:52,931 --> 00:07:58,677 Nokho, inani labantu baseNigeria laqhubeka liqinile, okwathi ekugcineni kwaphoqa izinkantolo ukuthi zithathe izinyathelo. 86 00:07:58,677 --> 00:08:06,162 Ngo-3 Mashi 2023, iNkantolo ePhakeme yaseNigeria ekugcineni yavuma icala elalibhekiswe kwenqubomgomo yemali yebhange eliphakathi, 87 00:08:06,162 --> 00:08:10,303 yamphoqa ukuba imise izinhlelo zayo zokususa imali esandleni. 88 00:08:10,303 --> 00:08:15,572 Ekuvotweni okulandelayo, kukhethwe umengameli omusha, owabe esesusa uGodwin Emefiele esikhundleni. 89 00:08:15,572 --> 00:08:20,210 Emefiele wabanjwa ngokushesha kamuva futhi manje usolwa ngokusebenzisa kabi isikhundla sakhe okulingana 90 00:08:20,210 --> 00:08:25,424 nezigidigidi ezi-4.5 zamadola kanye nobugebengu bokukhwabanisa okulingana nezigidigidi ezi-2.8 zamadola. 91 00:08:25,424 --> 00:08:32,487 Ngokomhlaziyi wezepolitiki yomhlaba wonke uNick Giambruno, ukwenqaba i-eNaira kwakuyisibonakaliso sokungathembeki 92 00:08:32,487 --> 00:08:36,864 okujulile kwabantu baseNigeria kubaphathi ababusa. 93 00:08:36,864 --> 00:08:43,423 Impumelelo yokumelana kwabo okuqinile futhi iyisibonelo esivelele kakhulu samandla 94 00:08:43,423 --> 00:08:49,098 amakhulu abantu abangawakhulula lapho behlangene. 95 00:08:49,098 --> 00:08:53,551 Zonke lezi zibonelo ziveza ngokusobala ukuthi akukho okungenzeki. 96 00:08:53,551 --> 00:08:58,967 Zonke lezi zinguquko ezesabekayo, kuhlanganise nokususwa kwemali esandleni, zisengavinjelwa! 97 00:08:58,967 --> 00:09:06,085 Isihluthulelo salokhu ukuthi umphakathi ubone ngokusobala izinhlelo ezimbi zabaphathi bamapuppet bomhlaba wonke. 98 00:09:06,085 --> 00:09:14,449 Lokhu-ke kudala ubumunye ekuvukeleni, okungagwemeki okuholela ekwehlulekeni kwezinhlelo zobubi 99 00:09:14,449 --> 00:09:19,922 nasekushintsheni okuhle okufunwa wonke umuntu. 100 00:09:19,922 --> 00:09:23,395 Ngakho-ke imfundo iyona into ebalulekile namuhla! 101 00:09:23,395 --> 00:09:28,889 Abantu ababona izinhlelo ezimbi zabaphathi bamapuppet abasemva kwezibuko kuphela abangaweli amanga abo. 102 00:09:28,889 --> 00:09:32,257 Masisebenzise kahle isikhathi esinakho, ngoba akukakahlwengi okwamanje!