Ngokombiko we-GlobalData's The Cashless World, indlela eya ekwamukelweni kwezinkokhelo ezingenakheshi isihluke kakhulu phakathi kwezimakethe. Okutholakele okubalulekile okuxoxwe ngakho embikweni kuhlanganisa:
- Ezimakethe ezithuthukile lapho amakhasimende ejwayele ukusetshenziswa kwamakhadi okukhokha kusagxilwa kakhulu kulokhu kuthenga kwamakhadi.
- Ezimakethe ezisathuthuka, ngakolunye uhlangothi, amakhadi okukhokha awazange amukelwe kabanzi ngakho abathengi bagxuma besuka emalini baye ezinkokhelweni zamaselula.
- Ngokuhlanganisa isivinini salolu shintsho oluya emnothweni ongenamali sishesha. Kodwa-ke, kwamanye amazwe, njenge-US ne-Japan, uguquko luhambe kancane kakhulu ngenxa yezizathu zamasiko, izibalo zabantu kanye nezesifunda ezikhawulela izinga imali eshiywa ngayo. Ngakho-ke akufanele silindele ukuthi ingxenye enkulu yomhlaba izophelelwa yimali maduze nje.
- Izimakethe ezinabantu abambalwa zingafunda ekuqhubekeleni phambili okungenamali kwamazwe afana neSweden futhi zamukele ezinye zezinyathelo ezizithathile. Ukuxhumanisa umazisi kazwelonke, i-akhawunti yasebhange, nenombolo yocingo lweselula njengengxenye yesistimu yokukhokha yeselula kuyindlela ehlakaniphile nephumelelayo yokusebenzisa uhlelo olubanzi lwezwe lokukhokha ngaphandle kwemali.
- Ezimakethe lapho kunengxenye enkulu yezezimali engasetshenziswanga, izikhwama eziphathwayo zibonise indlela ephumelelayo yokuhlinzeka ngezinsiza zebhange kanye nezinkokhelo.
- Kulezi zimakethe, ingqalasizinda ye-inthanethi ibalulekile ekuqinisekiseni ukufakwa kwezimali kule ngxenye yomphakathi, okuzophinda kwenyuse izinga lokukhokha okungenamali emakethe.
Kwezinye izimakethe ze-APAC (njengoba kubonwe ngenhla) abathengi basathanda kakhulu ukheshi, kanti kwezinye abathengi bajwayele ukukhokha okungeyona imali. Ezimweni eziningi, uhambo lokukhokha ngaphandle kwekheshi lukhawulwa izici zendawo yokukhokha, njengokuntuleka kwengqalasizinda yokukhokha yedijithali efanele noma ukuntuleka koxhumano lwe-inthanethi.
Emazweni amaningi athuthukile eminotho yaseNtshonalanga, indawo yokukhokha ngaphandle kwekheshi isikhona amashumi ambalwa eminyaka manje. Nokho nakulesi sifunda, ukutholwa kwezingane kuyehluka kakhulu phakathi kwamazwe. Nakulokhu, lokhu kusho ukuthi isu elilingana nosayizi owodwa alisebenzi. Isibonelo, i-Germany ifana ne-Japan: izwe elingafaki ubungozi elisathanda ukheshi. Ngokusekelwe ku-Payment Instrument Analytics yethu, imali yaba ngu-46.8% wevolumu yayo yonke yokukhokha ngo-2020, uma kuqhathaniswa nesabelo esingu-14.4% samakhadi okukhokha. Ngokuphambene, amasheya empeleni ahlehlisiwe e-UK: amakhadi abalwa ku-56.2% wevolumu yokwenziwe ngenkathi ukheshi ubalelwa ku-16.0%.
Umthombo ovela Idatha Yomhlaba Wonke
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