Kumntu ngamnye omdala, iKazakhstan namhlanje unanamakhadi ama-4 namhlanje, iingxelo nge-inbus.kz ngokubhekisele kwi-Spaiking.kz.
Imakethi yekhadi lentlawulo eKazakhstan iye yafikeleleka ngakumbi, kwaye iinkonzo ezinxulumene neebhanki kunye neengcebiso ziyahluka ngakumbi.
Kutshanje, ikhadi lasetyenziswa ikakhulu kwimali efunyenwe-umzekelo, imivuzo, "kodwa namhlanje iKhadi ngokwayo iyoyimfihlo nenokuthenjwa. IKazakhstanis iyalanda ukubala i-ika imali kwaye ngokuzithemba yiya kwiintlawulo ezingezimali.
Ukusukela nge-1 kaJanuwari, 2021, amakhadi entlawulo angama-48 okusasazwa kwiRiphabhlikhi yaseKazakhstan - kwaoko ngaphezulu kwe-49.7% ngaphezulu kwexesha elidlulileyo (32 yezigidi). Kule minyaka mithathu idlulileyo, inani lamakhadi ngokujikeleza likhula ngokomndilili ngama-35,7% ngonyaka. Ngokuhambelana, inani lamakhadi ala makhadi liyakhula. Ke, ngo-2020 isalathiso sanda nge-31.6%, ukuya kuthi ga kwi-39.2 yezigidi.
Namhlanje, kumntu ngamnye omdala, iKazakhstan (ukusuka kwiminyaka eli-16 nangaphezulu) i-akhawunti phantse amakhadi okuhlawula amatyala, eqinisekisa imfuno yokuphuculwa komda webhanki. Inkokeli epheleleyo kwesi sikhombisi yi-Filctrere, Almaty: Apha uMhlali unomndilili wamakhadi ama-9. Okwangoku, kumhlali ngamnye weakhawunti zeNUR-Sult phantse amakhadi ama-6. Imephu yokuhlawula kwaye iziseko zophuhliso ezifanelekileyo zenza ukuba ikwazi ukugubungela bonke abantu abanemimandla yedijithali, kubandakanya nezo kwiindawo ezikude zelizwe.
Iinkqubo zeKhadi leNtlawulo yeHlabathi neKhaya leNtlawulo leNgeniso isebenza kumhlaba waseKazakhstan. Isabelo esiphambili samakhadi ngokujikeleza - ngaphezulu kwe-67%-ngokwesiko iwela kwi-MSPEFC yeZiko leHlabathi kunye neVisa. Ukusetyenziswa kweemveliso kunye neenkonzo zeenkqubo zokuhlawula amazwe abonelela ngoobanisela bekhadina nokubamba intlawulo naphi na emhlabeni.
Uncedo kunye nezibonelelo zamakhadi entlawulo yonyusa ibango labo labathengi beenkonzo zezezimali. Ke, ngo-2020, i-2.9 bhiliyoni yokuthenga ngemali iphela i-35.3 trillion tg yenziwa kusetyenziswa amakhadi okuhlawula. Ngexesha lonyaka, isixa seentlawulo ezingengamali nyhasha kwaoko.
Ngo-2020, iCovid-19 yeCovid-19 yayiyimpembelelo ebonakalayo kwinguqu kwifomati engeyiyo ukubala. Ehlabathini lonke abathengi behlabathi ukuba bathobele umgama wentlalo-ntsapho badluliselwa ku-on-NE-ON-NEENTU ngeendlela zokufumana iinkonzo. Isabelo esikhulu sokusebenza okungafunekiyo kwiRiphabhlikhi yaseKazakhstan ngo-2020 saqhutywa kwi-Intanethi - i-81.4% yexabiso elipheleleyo leentlawulo ezingezizo imali. Namhlanje, iibhanki ezingama-20 elizweni zinenkonzo yebhanki yebhanki yabasebenzisi beenkqubo ze-IOS kunye ne-Android. Ngexesha lonyaka, inani labasebenzisi beenkonzo ze-Intanethi leebhanki benyuke nge-45.8%, ukuya kuthi ga kwi-28.7 yezigidi (ngonyaka okhethekileyo - abasebenzisi bezigidi).
Ukukhula kweentlawulo ezingengamali kungenxa yokusekwa kweziseko zophuhliso ze-POS-terminals, ukufikelela kwiimakethi ze-Kazakhstan ze-Kazakhstan kunye neendawo zokuhlawula iibhonasi kunye ne-cacheki, kunye ne Ukusetyenziswa okusebenzayo kwentlawulo engeyiyo imali kuzo zonke iintlobo zezithuthi zikawonke-wonke. Ukungeniswa kweenkqubo zokuhlawula amanye amazwe zetekhnoloji yobutsha kwimakethi yaseKazakhstan, efana nentlawulo yokunxibelelana, i-Nt. njl. Ukunciphisa unxibelelwano lomzimba xa intengiselwano kwaye ke unciphise umngcipheko wokosulela usulelo. Thepha kwifowni isivumela ukuba sijike i-smartphone yesiqhelo kwi-terminal egcweleyo epheleleyo ngokufumana intlawulo engafunekiyo ngemali naphi na apho kukho i-intanethi esemthethweni. Oku kunciphisa iindleko zabarhwebi, zinenzuzo kwiibhanki, ezilunge ngakumbi kubathengi kwaye ngokubanzi banegalelo ekunciphiseni uqoqosho lwesithunzi.
Kwimeko yeenkqubo zokuhlawula amanye amazwe, ngaphezu kwayo nayiphi na intengiselwano engeyiyo ngo-2020 eKazakhstan yaqhutywa ngamakhadi okuhlawula e-MasterCard Word Systere: I-553.6 yezigidi zeetransi ye-TG. Le yi-19.2% yenani elipheleleyo lemisebenzi engeyiyo imali. Emva koko, i-340.3 yezigidi zeetransekshini ezingenamali kwinani le-GG ye-GG ye-TG iqhutywa ngamakhadi enkqubo yokuhlawula i-visa.
Iitekhnoloji zezezimali zikuvumela ukuba wandise ukufikelela kwiinkonzo zezezimali kwaye uphathe amanqaku amaninzi. Idijithali yenza ukubonelelwa kweenkonzo zezezimali ezifumanekayo kubathengisi kunye nabasebenzisi. Ngokubanzi, amajelo edijithali anciphisa iindleko zenkonzo ephantsi yoMthengi, isantya, ukhuseleko kunye nokutshintsha kwentengiselwano yonyuso. Inani labemi beli lizwe liqikelelwa ngokulula kunye nokulula kweentlawulo ezingafunekiyo imali. Ngoku kwi-intanethi inokubanjwa uninzi lweentlawulo ezahlukeneyo, ukunciphisa iindleko zethutyana nezemali. Umzekelo, ngaphandle kokushiya indlu, unokugcwalisa ibhalansi yefowuni yakho, uhlawule i-Intanethi, umabonwakude kunye neenkonzo zokuzibandakanya, tshintsha imali, imbuyiselo engaphezulu.
Enye ingongoma ebalulekileyo: Idijithali kunye nezisombululo zetekhnoloji kwimarike yekhadi lokuhlawula evunyelwe ukuba ikhupha imiphumo emibi yobhubhane echukumise icandelo lokurhweba lelizwe elichukumise icandelo lokurhweba ilizwe. Ke, kwimvelaphi ngokubanzi yokuhla korhwebo lokuthengisa elizweni nge-7.3%, umyinge wezorhwebo lwe-elektroniki lubonise ukukhula kwerekhodi. Ngokubanzi, umthamo wezorhwebo nge-elektroniki kwisakhiwo sokuthengisa urhwebo lwentengiso nge-2020 inyukele phantse izihlandlo ezi-3 - ukusuka kwi-3.8% ukuya kwi-9.7%.
Ukunyuka komsebenzi wokuthengisa kwi-Intanethi kwenzeka ngexesha lokuqhambuka kwe-morbidity kunye nendawo enxulumene noko. Ekupheleni kuka-2020, i-108.2 yabantu abarhwebi bafunyanwa kumhlaba waseKazakhstan kwiKazakhstan - nge-12.2% ngokuthelekisa kunyaka ophelileyo. Kwiminyaka emihlanu, inani leenkampani ezinjalo zanda ngamaxesha angama-2,5. Ngenxa yoko, imeko entle yehlabathi yolondolozo lwenguqu kwiintlawulo ezingenamali kwaye ezikhuselekileyo zemali namhlanje ziqinisekile kwaye iKazakhstan.