Thenga Manje, Khokha Kamuva Ngaphansi Kokucutshungulwa Njengoba Amabhange Ethatha Isinyathelo

Izitoreji Eziyinhloko

Ukwenyuka kwesidingo sezinsizakalo ze-BNPL ngokukhula ngo-37% uma kuqhathaniswa nonyaka wezimali odlule.

Abasebenzisa i-BNPL abasebasha banobudlelwano obungenampilo nemali, okubangela amazinga aphezulu ezikweletu kanye nobunzima bezezimali.

Uhulumeni wobumbano ukhiphe izindlela ezintathu zokulawula imboni ekuphenduleni ukukhathazeka kwabathengi.

I-Westpac isekela inketho yesithathu, eqondaniswe namaqembu abathengi, kuyilapho i-CBA ne-NAB ithanda inketho yesibili.

Yaqala ukwethulwa esimweni sezezimali sase-Australia ngo-2011-12, imboni ye-Buy Now Pay Later (BNPL) ibone ukukhula okumangalisayo kokuduma phakathi kwabathengi abasuka kusikweletu esivamile futhi bamukele ukuguquguquka nokuba lula kwezinsizakalo ze-BNPL.

Ubhubhane lwe-COVID-19 lusheshise lo mkhuba kuphela, njengoba abathengi abaningi befuna ezinye izixazululo zezimali ngezikhathi ezingaqinisekile. Naphezu kokukhula ngokushesha kwale mboni, kunokukhathazeka ngemiphumela engase ibe khona yaleyo mikhiqizo yezezimali, ikakhulukazi kulabo asebesengozini ngokwezimali.

Ngokungabi bikho kwamanje kwemithetho yombuso eqondene ngqo nemikhiqizo ye-BNPL, okwakamuva okuhlongozwayo iphepha lemithethonqubo ekhishwe nguMnyango Wezezimali iphawula inguquko ebalulekile ekulolongeni ikusasa le-BNPL e-Australia.

I-BNPL ishintsha indlela esihweba ngayo...

I-BNPL inikeza abathengi enye indlela elula kumafomu esikweletu endabuko ngokubavumela ukuthi bathenge izimpahla noma amasevisi ngezitolimende ezingenanzalo eziningi. Lo mkhakha ukhiqiza imali engenayo ngezinkokhelo zesevisi noma iphesenti lenkokhiso yomsebenzi eya kubathengisi. Abasebenzisi bangase futhi bakhokhise izimali zokugcina i-akhawunti, izimali zokusungula, kanye nezinkokhelo zamuva kubasebenzisi babo. I-BNPL ayigcini nje ngokunikeza izinketho zokukhokha ezivumelana nezimo, kodwa futhi ingasebenza njengethuluzi elibalulekile lokumaketha kubathengisi njengoba yenza abathengi basebenzise imali ethe xaxa, okungenzeka bakhulise ukuthengisa.

Isimo se-BNPL sibuswa ngokuyinhloko ezintathu ezinkulu: i-Afterpay, i-Zip, ne-Humm, ehlanganisa ngaphezu kuka-80% wesabelo semakethe sihlanganisiwe. Ngaphandle kokuba khona kwabo, imboni iyaqhubeka nokuhlinzeka ngamathuba okukhula kanye nokuqanjwa okusha, okuyenza ibe yindawo ephumelelayo neguqukayo kubo bobabili abathengi namabhizinisi.

Unyaka wezimali wezi-2021-22 ubone ukwanda kwesidingo sezinsizakalo ze-BNPL emikhakheni eyahlukene, okuhlanganisa izitolo zeminyango, ukuthenga ku-inthanethi, nokukhishwa kwezikweletu okunama-akhawunti asebenzayo e-BNPL acishe abe yizigidi ezingu-7 kanye nenani lezigidigidi ezingu-16 zamarandi. Abathengisi abakhulu njenge-eBay, i-Amazon Australia, i-Big W, i-Bunnings, i-Jetstar, ne-Kmart abamukela lezi zinketho zokukhokha baphinde bagqamise ukuthandwa okwandayo.

…futhi ukuthandwa kwayo akuzange kuqashelwe.

I-Commonwealth Bank yase-Australia (i-CBA) ishubise umncintiswano phakathi kwamabhange ngokwethulwa kwayo kwakamuva kwe-StepPay, evumela ukuthengiselana kusuka ku-$100 kuya ku-$2,000 kusetshenziswa amamodeli ajwayelekile e-BNPL, futhi yaphinde yatshala izigidi ezingu-30 zamaRandi emakethe ye-Little Birdie e-commerce. Lesi sinyathelo siza ngemuva kokuthi i-CBA itshale imali eyizigidi ezingama- $300 e-Klarna ngenani elingu-5% ngo-2020.

Ngaleso sikhathi, i-National Australia Bank (NAB) igxumele kubhendi ye-BNPL ngokwethula i-“NAB Now Pay Later,” inganikeli zimali ze-akhawunti, inzalo, nezimali ezikhokhwa sekwephuzile, kanye nekhadi layo lesikweletu elingenanzalo elithi “StraightUp.”

I-Westpac ibambisene ne-Afterpay esikhathini esedlule ukuze kukhishwe uhlelo lokusebenza lwemali nendlela yokuphila, i-Money, kodwa lobu budlelwano buphelile ngokulandelayo. Ukutholwa kwe-Block, Inc. kwe-Afterpay.

Ngakolunye uhlangothi, i-ANZ ikhethe ukuthola amakhadi esikweletu endabuko kanye nemikhiqizo yemalimboleko yomuntu siqu ngaphezu kwamasevisi e-BNPL. Isanda kuthola i-Cashrewards Limited ngamaRandi ayizigidi eziyi-100 ngoDisemba 2021 futhi isafuna ukunikeza enye indlela yesabelomali enempilo ku-BNPL. Kusukela manje, ayikho i-ANZ noma i-Westpac eyethule imikhiqizo ye-BNPL.

Obani abasebenzisa imali enkulu?

Nakuba izinsizakalo ze-BNPL zibhekelela kokubili amabhizinisi nabantu ngabanye, abathengi bayaqhubeka nokuba ngabamukeli abayinhloko balezi zinsizakalo.

Nakuba iqembu leminyaka engu-35 kuya kwengu-44 livame ukuba nezezimali ezinzile, amazinga aphezulu emali engenayo, namandla amakhulu okuthenga, iqembu labathengi elineminyaka engu-45 nangaphezulu livame ukubalekela izinkundla zedijithali futhi linamathele ezindleleni zokukhokha ezivamile. Lawa maqembu abathengi ayazazisa izinqubo zokubhanga ezivamile futhi alandisa ngesabelo esincane emakethe ye-BNPL.

Ngokuphikisanayo, abathengi abasebasha abaneminyaka engu-18 kuya kwengama-34, abaziwa ngobuchule babo bezobuchwepheshe, bathandeka kakhulu ekusebenziseni ubuchwepheshe ekuphatheni izimali zabo. Lawa maqembu abona izinsiza ze-BNPL njengenye indlela ethengekayo kunamakhadi esikweletu endabuko futhi ngokuvamile agwema izinkokhiso zenzalo nezikweletu.

Isilingo sokusebenzisa imali ngokweqile ngomqondo “wokuthenga manje, ukhokhe kamuva”, kanye neholo elilinganiselwe kanye nokuntula ukuqonda ukuphathwa kwezikweletu nezikweletu, kushiya la maqembu esengozini enkulu ngokwezimali.

Njengoba ukuba sengozini kwezimali kwabathengi kuseyinkinga, uhulumeni uthatha izinyathelo zokuqinisa imithetho ku-BNPL ukuze aqinisekise ukuvikelwa kwayo.

Imithetho e-Australia: Ukulinganisa lula kanye nengozi

Ngo-2020, inani elikhulu labathengi labikwa lisengozini, nge Abangu-1 kwabangu-5 base-Australia abakwazi ukuhlangabezana nezibopho zabo zokukhokha. Ephendula uphenyo lweSenethi ngoFebhuwari 2021 olwalufuna ukuthuthukisa ukuvikelwa kwamakhasimende ngokuzilawula, abahlinzeki be-BNPL basungule ikhodi yokuziphatha yokuzithandela.

Lokhu kuhlanganisa abahlinzeki abakhona, okufaka phakathi i-Brighte, i-Humm, i-Klarna, i-Latitude, i-OpenPay, i-Payright, ne-Zip, kanye nabangase babe ngabasha emakethe. Amabhange esigaba sesibili njengeMacquarie Bank ne-ING ehlanganisa izikweletu ze-BNPL ekuhloleni ukukwazi ukukhokhela imali mboleko yezindlu, edinga amakhasimende ukuthi adalule lezo zikweletu.

NgoNovemba 2022, uMnyango Wezezimali wakhipha iphepha lezinketho ze-BNPL ukuze libuyekezwe esidlangalaleni. Leli phepha ligqamisa izinselele eziyinhloko zokulawula ezihlonzwe ngaphakathi kwezinqubo zokuboleka, inqubo yokusingatha izikhalazo, izimali zabathengi nezindleko, uhlaka lokubikwa kwezikweletu, kanye nezinqubo zokudalulwa komkhiqizo.

Kuhlongozwa izindlela ezintathu zokubhekana nalezi zinkinga: Indlela yoku-1 iqinisa Ikhodi Yezimboni futhi yethula ukuhlolwa kokukwazi ukuthengeka emikhiqizweni ye-BNPL; inketho yesi-2 isebenzisa umthethonqubo owehlisiwe ngaphansi koMthetho Wezikweletu onemfuneko yokuba abahlinzeki be-BNPL babe neLayisense Yesikweletu Yase-Australia; futhi inketho yesi-3 ilawula i-BNPL ngaphansi koMthetho Wezikweletu.

I-ANZ kanye ne-Westpac babona imithethonqubo njengendlela yokuthuthukisa ukucaca, ukuvikelwa kwabathengi, idumela nokuzinza kwezinsizakalo ze-BNPL, kanye nokuqinisekisa ukuthi imboni isebenza ngendlela ephephile nenesibopho kubathengi. I-Westpac, ikakhulukazi, ibuka inketho yesithathu njengesiqalisi esifanelekile sokulawula umkhakha okhula ngokushesha we-BNPL.

Ngokuphambene, i-CBA ne-NAB ivumela inketho yesibili, kodwa izwakalise ukukhathazeka mayelana nezimfuneko zokulawula ezingase zikhuphule izindleko zokusebenza futhi zehlise ukuncintisana, njengoba zinikeza izinsizakalo ze-BNPL futhi zithintwa imithethonqubo ehlongozwayo.

Ibhekephi iBNPL?

Imboni ibilokhu isesimweni sokuziphendukela kwemvelo, izinkampani zilwela ukuthola ukulingana phakathi kwenzuzo nokusimama. Ukutholwa okuphula irekhodi kwe-Afterpay yiBlock yase-US (eyayiyi-Square) ngo-Agasti odlule kwakuyisibonelo esivamile sokungaguquki imboni ebhekene nayo.

Isivumelwano sibekwe isikhathi esiphelele, kodwa isakhiwo sasingafiseleki kangako, okuholele ekutheni iBlock ikhokhe ngesitoko sayo. Ukubhidlika kokuhlanganiswa okuhlongozwayo phakathi kwe-Zip ne-Sezzle kanye nokwehla kwe-Openpay kuwubufakazi obengeziwe bokuthi ukufunwa kwemodeli yebhizinisi efanelekile phakathi kwabadlali be-BNPL kuyaqhubeka.

Imboni ye-BNPL yintsha uma kuqhathaniswa futhi isathola isisekelo sayo. Abanye abadlali asebekhulile bayaqhubeka nokuzabalaza ukuze bathole inzuzo, ikakhulukazi ngenxa yezindleko eziphezulu zokusebenza, ukuncintisana okukhulu kwangaphakathi nangaphandle kanye nezithiyo zokulawula, kuyilapho abanye abadlali abasha bekhula kakhulu.

Izindleko zokusebenza eseziphezulu kakade zenziwa zaba nzima nakakhulu inhlanganisela yezinto ezihlanganisa ingqalasizinda yobuchwepheshe, izindleko zokutholwa kwamakhasimende, ukuthobela imithetho nemithetho, kanye nabasebenzi. Imboni manje ibhekene nezindleko zabathengi ezomiswe ngokukhuphuka kwezinga lenzalo okuyisishiyagalolunye okulandelanayo, okuhambisana nomthetho okhulayo ocindezela izindleko ezengeziwe.

Imboni ye-BNPL okwamanje isebenza ngokukhululeka okuthile ekuvikelweni kwabathengi okubalulwe kuMthetho Wezikweletu. Kodwa-ke, uhulumeni uphokophele phambili nezinhlelo zokwethula imithethonqubo emisha ekupheleni kuka-2023 ezoba nomthelela omkhulu ekusaseni lemboni. Le mithethonqubo eqinisiwe ngokungangabazeki izokwethula izinselelo ezintsha ukuze imboni ikwazi ukuzulazula.

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