Kwa munthu aliyense wachikulire, Kazakhstan lero ali ndi makhadi anayi lero, lipotilo limanenedwanso.
Msika wa makadi wolipira ku Kazakhstan wakhala wotsika mtengo kwambiri, ndipo malingaliro ndi malingaliro ndi malingaliro osiyanasiyana.
Posachedwa, khadiyo idagwiritsidwa ntchito kwambiri ndalama zolipiridwa - mwachitsanzo, malipiro, "koma lero kadi panakhala malipiro abwino komanso odalirika. Kazakhstanis amakana kuwerengera kwa ndalama komanso molimba mtima pitani pazolipidwa kwa ndalama.
Kufikira pa Januware 1, 2021, makhadi olipira miliyoni 48 miliyoni pakuzungulira adawonekera ku Republic of Kazakhstan - nthawi yomweyo 49.7% kuposa momwe chaka chatha (32 miliyoni). Pa zaka zitatu zapitazi, kuchuluka kwa makadi ozungulira akukula pang'onopang'ono ndi 35.7% pachaka. Momwemonso kuchuluka kwa omwe ali makhadi awa akukula. Chifukwa chake, mu 2020 chisonyezo chikuwonjezeka ndi 31.6%, mpaka 39.2 miliyoni.
Masiku ano, kwa wachikulire aliyense, Kazakhstan (kuyambira zaka 16 ndi okalamba) pafupifupi makhadi anayi olipirira, omwe amatsimikizira kufunikira kwa maanthu okhazikika. Mtsogoleri weniweni m'chizindikirochi ndi cholondola, alfity: pano wokhala mmodzi ali ndi makhadi 9. Pakadali pano, chifukwa cha nzika za Nur-Sul-Suldan pafupifupi makhadi 6. Mapu olipira ndi malo oyambilira zimapangitsa kuti pakhale anthu onse omwe ali ndi ntchito zamagetsi, kuphatikiza omwe ali kumadera akutali a dzikolo.
Makina apadziko lonse lapansi komanso akhama amagwira ntchito m'dera la Kazakhstan. Gawo lalikulu la makhadi ozungulira - oposa 67% - mwamwambo amagwera pa nsanja yapadziko lonse lapansi mastercard ndi visa. Kugwiritsa ntchito zinthu ndi ntchito za njira zolipira zapadziko lonse kumapereka mwayi wogwira ntchito kulikonse padziko lapansi.
Kusavuta ndi Ubwino wa Makhadi Olipiritsa kumawonjezera kufunikira kwawo pakati pa ogula azachuma. Chifukwa chake, mu 2020, 2.9 biliyoni sizinthu zokhalapo 35.3 Trillion Tg idachitika pogwiritsa ntchito makhadi olipira. Chaka chatha, kuchuluka kwa ndalama zomwe sizikulipira ndalama zidawuka nthawi ina 2.4.
Mu 2020, Covid Covid-19 anali ndi mwayi wosinthana ndi ndalama zosawerengera ndalama. Ogwiritsa ntchito padziko lonse lapansi kuti atsatire kutali ndi mtunda amapatsirana njira zosayanjana ndi intaneti kuti mupeze ntchito. Gawo lalikulu la ntchito zosakhala ndalama m'gawo la Republic of Kazakhstan mu 2020 linachitika pa intaneti - 81.4% ya ndalama zonse zomwe sizilipira ndalama. Masiku ano, mabanki 20 m'dzikoli ali ndi ntchito yoletsa mafoni a ogwiritsa ntchito a iOS ndi ma android. M'chaka, kuchuluka kwa ogwiritsa ntchito pa intaneti a Banks owonjezedwa ndi 45.8%, mpaka 28,7 miliyoni (chaka chatha) - 19,7 miliyoni).
Kukula kwa ndalama zosakhala ndalama kumachitikanso chifukwa cha kukhazikitsidwa kwa malo ogulitsira a Kazakhstan Apple Pays, mabanki olipira ndi Cacheki, komanso Kugwiritsa ntchito ndalama zosaposa ndalama m'mitundu yonse ya zoyendera pagulu. Kukhazikitsidwa kwa njira zolipira zamagetsi zapadziko lonse lapansi kwa msika waku KaZakhstan, zolipirira pafoni, ndi zina zolipirira Kuti muchepetse kulumikizana kwakuthupi pamene kusinthana ndikuchepetsa chiopsezo chotenga kachilomboka. Dinani pafoni imatipatsa mwayi woti tisinthe smartphone yakumapeto kwa smart yokhazikika polandila ndalama zomwe sizimapereka ndalama kulikonse pomwe pali intaneti. Izi zimachepetsa mtengo wamalonda, zopindulitsa kwa mabanki, othandiza kwambiri ogula ndipo ambiri amathandizira kuchepetsa chuma.
Pankhani ya machitidwe olipiritsa ochokera kumayiko ena, zoposa zomwe sizikuyenda bwino pa 2020 ku Kazakhstan zidachitika kudzera mu MasterCard Padziko Lonse Lapansi Makhadi Olipiritsa: 553.6 Miliyoni Ikuchitika munthawi ya 4.4 Trillion. Izi ndi 19.2% ya chiwerengero chonse cha ntchito zosakhala ndalama. Kenako, ma 340.3 miliyoni omwe sakusintha ndalama muyezo wa 5.2 thililiyoni amasungidwa kudzera pamakhadi a visa yapadziko lonse lapansi.
Matekitala azachuma amakulolani kuti muwonjezere mwayi wopezeka pazachuma ndikukhala ndi mfundo zambiri zabwino. Digitoilization imapangitsa kuti ntchito zazachuma zizipezeka kwa ogulitsa ndi ogwiritsa ntchito. Mwambiri, njira za digito imachepetsa mtengo wotsika mtengo, liwiro, chitetezo ndi chosinthira kuwonekera. Chiwerengero cha dzikolo chimayerekezera kuphweka komanso kuphweka kwa zolipira zomwe sizilipira ndalama. Tsopano pa intaneti imatha kukhala ndi zolipira zambiri, zimachepetsa ndalama zambiri komanso zachuma. Mwachitsanzo, osachoka mnyumbamo, mutha kubwezeretsanso foni yanu yam'manja, kulipira intaneti, pa intaneti, sinthani ndalama, kubweza ngongole ndi zina zambiri.
Mfundo ina yofunika: Dipithilization ndi masinthidwe a ukadaulo mu msika wolipira womwe umaloledwa kukhala ndi mavuto obwera chifukwa cha mliri womwe dziko la malonda. Chifukwa chake, pamlingo wochepa wa kuchepa kwa malonda ogulitsa m'dzikolo ndi 7.3%, kuchuluka kwa malonda pa zamagetsi kunawonetsa kuti kuli mbiri. Mwambiri, kuchuluka kwa malonda pakompyuta popanga malonda ogulitsa mu 2020 kuchuluka katatu - kuyambira 3.8% mpaka 9.7%.
Kuchulukitsa kwa ntchito yogulitsa kudzera pa intaneti kunachitika nthawi yakufalikira komanso kuphatikizidwa. Podzafika kumapeto kwa 2020, ogulitsa mabizinesi a ku Kazakhstan ku Kazakhstan - poyerekeza ndi zaka 12.2% poyerekeza ndi chaka chatha. Kwa zaka zisanu, kuchuluka kwa makampani oterewa kudakula ndi 25 nthawi. Chifukwa chake, zinthu zabwino kwambiri padziko lonse lapansi zosinthana ndi zolipirira ndalama zambiri komanso zotetezeka masiku ano ndizolimba mtima komanso Kazakhstan.