Wake wama wacabanga ngokuthi impilo yakho yedijithali ihlala kuphi ngempela? Sithinta amafoni ethu ukuze sikhokhele ikhofi, silayishe izithombe, sifake izicelo zamakhadi esikweletu, bese sicabanga ukuthi ulwazi lwethu oluyimfihlo luyanyamalala lube yifu elimangalisayo nelivikelekile kakhulu. Kodwa ifu alilona imilingo. Liyiqembu nje lamaseva angokoqobo ahlala ezindaweni zokugcina impahla ezinkulu, ezine-air conditioner emhlabeni jikelele. Futhi kuye ngokuthi lawo maseva akuphi ngokoqobo, imithetho ehlukene ngokuphelele iyasebenza kulwazi lwakho lomuntu siqu.
Leli qiniso liqala ingxoxo enkulu ezweni lezobuchwepheshe bezezimali, liletha umqondo obizwa ngokuthi “ubukhosi bedatha” phambili naphakathi.
Ake sichaze lelo gama, ngoba lizwakala liyinkimbinkimbi kakhulu kunalokho eliyikho ngempela. Ubukhosi bedatha busho ukuthi ulwazi lwedijithali lungaphansi kwemithetho yezwe, isifundazwe, noma isizwe esizimele lapho lugcinwa khona ngokoqobo. Uma idatha yakho yasebhange ihlala kuseva eYurophu, imithetho yobumfihlo yaseYurophu iyayivikela. Uma ise-United States, imithetho yase-US iyasebenza. Isikhathi eside, izinkampani ezinkulu zobuchwepheshe bezivele zilahle idatha yethu noma kuphi lapho isikhala seseva sishibhile khona. Kodwa abantu ekugcineni bayavuka. Sifuna ukwazi kahle ukuthi ubani onokufinyelela ezintweni zethu, ikakhulukazi uma kukhulunywa ngama-akhawunti ethu asebhange, umlando wesikweletu, kanye nobunikazi bomuntu siqu.
Ubuchwepheshe bezezimali, noma i-fintech, kwenze izimpilo zethu zaba lula kakhulu. Ungahlukanisa ibhili yesidlo sakusihlwa, uthenge amasheya, noma uthole imvume yendlu yokuboleka imali ngenkathi uhleli kusofa lakho ugqoke amabhulukwe athambile. Kodwa konke lokho kulula kuza nomgomo omkhulu emhlane wawo. Abaduni bazama njalo ukungena kulezi zinhlelo. Ngenxa yalokhu, izinkampani ze-fintech kufanele zakhe izindawo zokugcina impahla zedijithali ezingangenwa yizinhlamvu.
Manje, cabanga uzama ukwakha lezo zindawo zokugcina izimpahla ezingangenwa yizinhlamvu zezimakethe ezikhethekile kakhulu—imiphakathi esebenza ngaphansi kwezinhlaka zomthetho nezamasiko ezihluke ngokuphelele. Akuwona nje umsebenzi olula wokukopisha nokunamathisela. Kufanele wakhe ingqalasizinda eyenziwe ngokwezifiso, evikelekile kakhulu kusukela phansi.
Uma sikhuluma ngezimakethe ezihlukile emkhakheni wezezimali, asikhulumi nje kuphela ngezinhlelo zokusebenza zesabelomali zezingane zasekolishi noma isofthiwe yentela yabaklami bezithombe abazimele. Sikhuluma ngezinhlangano zomthetho ezihlukile ngokuphelele, njengezizwe zaseMelika Zomdabu. Lezi zizwe ezizimele zinohulumeni bazo abaziwayo, imithethosisekelo yazo, kanye nomnotho wazo wendawo. Sekungamashumi eminyaka, izinhlelo zebhange zendabuko, ezidumile kakhulu bezingazinaki noma zingazinakekeli kahle lezi miphakathi. Ngenxa yalesi sikhala esingokomlando, izizwe eziningi ziye zathatha izinto ezandleni zazo, zakha izinhlelo zazo zezimali ukuze zisekele abantu bazo futhi ziqhubekisele phambili ukukhula komnotho wendawo.
Kodwa uma isizwe esizimele siqhuba insizakalo yezezimali, kuvela umbuzo omkhulu: amaphepha edijithali ayaphi? Angeke nje aphonswe kuseva yenkampani engahleliwe phakathi kwezwe lonke. Lokho kuqeda ngokuphelele injongo yokuba yinhlangano ezimele. Imininingwane idinga ukuhlala iqinile ngaphansi kwamandla asemthethweni esizwe.
Yilapho ukungqubuzana kwezezimali nobuchwepheshe obukhethekile kuba mnandi kakhulu. Ukuze kugcinwe imingcele yabo yedijithali iphephile njengemingcele yabo yangempela, imiphakathi yabomdabu itshala imali eningi ezingqalasizinda ze-fintech ezenziwe ngokwezifiso. Basungula izikhungo zabo zedatha zasendaweni, basebenzisa amazinga okubethela aqine kakhulu, futhi bakha amapulatifomu okuboleka imali anakekela ngqo amaqiniso ezezimali ahlukile omphakathi wabo. Isibonelo esihle salokhu kuhamba ukwanda kokutholakala kwe- izimali mboleko zesizwe, enikeza izinketho zezimali ezidingekayo kakhulu nezifinyelelekayo ngenkathi isebenza ngokuqinile ngaphansi kwesambulela somthetho wesizwe. Ukuze lezi zinhlelo zezimali zisebenze futhi zakhe ukwethembana, ingqalasizinda yedijithali kufanele iqine. Iqinisekisa ukuthi imininingwane yezezimali ebucayi kakhulu yababoleki ihlala ingaphansi kokulawulwa kwesizwe, iphephile ekuphazamisekeni kwangaphandle.
Ngakho-ke, empeleni wakha kanjani lolu hlobo lobuchwepheshe obukhethekile? Kudinga ingxube ehlakaniphile yehadiwe enzima kanye nesofthiwe eyenziwe ngokwezifiso. Okokuqala, kufanele ubeke amaseva ngokoqobo ezweni elizimele. Leso yisinyathelo sokuqala. Okulandelayo, uletha ochwepheshe bezokuphepha kwe-inthanethi abaphezulu ukuze bakhe ama-firewall kanye nezinqubo zokubethela eziphikisana nalokho ongakubona ku-Wall Street. Okokugcina, abathuthukisi kufanele babhale isofthiwe ukuze iqonde ngokuzenzakalelayo futhi ihambisane nemithetho ethile yaleso sizwe esizimele.
Kungumsebenzi omkhulu, futhi akwenzeki ngobusuku obubodwa. Kodwa umvuzo uyakufanelekela ngempela. Okutholakalayo ekugcineni uhlelo lwezezimali olungagcini nje ngokuphepha kakhulu kodwa futhi oluhlonipha ngokujulile abantu olwakhelwe ukuba lubakhonze.
Njengoba sibheke ikusasa lemali, kusobala ukuthi indlela eyodwa efanele ubuchwepheshe bezezimali ngeke isanciphisa lokho. Abantu bafuna ukulula kohlelo lokusebenza, yebo, kodwa futhi bafuna ukuphepha nezinhlelo ezihlonipha imithetho yabo yendawo. Ngokugxila ezingqalasizinda zasendaweni neziphephile, imboni ye-fintech ayigcini nje ngokuvikela izinombolo esikrinini. Inikeza imiphakathi eyingqayizivele amathuluzi abawadingayo ukuze balawule ngokugcwele ikusasa labo ledijithali nelezezimali.
