Chikuva chekubhadhara nekukurumidza cheSpain Bizum yasvika pachibvumirano nevamwe vayo vekuEurope vakati wandei Saka kutumira mari kune imwe nyika kuchave nyore sekuitumira kune munhu ari kuSpain nhasi. Chirongwa ichi chichabvumira vashandisi kubhadhara mari yavo pachavo ipapo ipapo, vachishandisa application imwe chete yebhangi yavagara vachishandisa zuva nezuva.
Chirongwa ichi, chichitungamirwa nemhinduro dzakasiyana siyana dzekubhadhara nefoni dzemuEurope, Inotarisira kuti kubhadhara pakati pevamwe kuchaita kuti kushande mugore ra2026. Uye, muchikamu chechipiri, kushanda pamwe chete uku kuchawedzerwa kune kutenga muzvitoro zvepamhepo nepanzvimbo dzekutengesa. Pfungwa yacho ndeyekuti kuyambuka miganhu hakuzove chipingamupinyi pakutumira mari kana kubhadhara nefoni mbozha.
Mubatanidzwa weEurope wekubatanidza kubhadhara nefoni
Chibvumirano chinosanganisira Bizum (Spain), Bancomat (Italy), SIBS-MB Way (Portugal), European Payments Initiative (EPI) kuburikidza neWero solution yayo (inoshanda muFrance, Germany neBelgium) uye Vipps MobilePay (Denmark, Finland, Norway neSweden)Mapuratifomu ese aya chikamu chemubatanidzwa unotsvaga kusimbisa nzira dzekubhadhara nefoni mukati mekondinendi.
Together, Mhinduro idzi dzekubhadhara dzatove dzichishandira vashandisi vanosvika mamiriyoni zana nemakumi matatu Yakapararira munyika gumi nenhatu dzemuEurope. Kana yangoshandiswa zvizere, network yekudyidzana ichafukidza vanhu vanosvika 72% muEuropean Union neNorway, ichibatanidza chikamu chikuru chevagari vanoshandisa nharembozha dzavo kubhadhara zuva nezuva.
Chibvumirano ichi chikamu chekushandira pamwe kwakakura pakati penzira dzekubhadhara dzemuEurope, izvo zvinosanganisirawo kudyidzana kwakadai se Sangano reEuropean Mobile Payment Systems (EMPSA)Chinangwa ndechekuenda kune network inodarika miganhu yenyika, ichishandisa zvivakwa zvakafanana uye zviyero kuti kubhadhara nefoni kushande pamwe chete.
Uyezve, mubatanidzwa uyu unoramba uine yakavhurika kune dzimwe misika yekuEuropeIzvi zvinosanganisira nyika dziri kunze kweEurozone, dzakadai seSwitzerland. Nyika dzine nzira yekubhadhara nefoni dzinogona kubatana zvakananga, nepo dzisina chishandiso chadzo dzichava nesarudzo yekushandisa imwe yemapuratifomu aripo mukati mechirongwa ichi.
Nhengo yepakati uye kushandira pamwe kwehunyanzvi
Kuti hurongwa uhwu huve hwechokwadi, mapuratifomu akasaina abvumirana kugadzira sangano guru kana kuti sangano iyo ichashanda senzvimbo huru yekudyidzana pakati pemabasa ese anobatanidzwa. Dare iri richashanda senzvimbo yetekinoroji, richibatanidza mhinduro dzakasiyana-siyana dzenyika pasina kudzitsiva kana kudzitora.
Basa resangano iroro richava kugadzirisa nzira dzekubhadhara dzinopfuura nepakati penyikaVachishandisa mitemo yekubhadhara iripo yeEurope nezvivakwa, kusanganisira kubhadhara kubva paaccount kuenda kuaccount ipapo ipapo, vashandisi vacharamba vachiita kutengeserana kuburikidza neapp yebhangi ravo, vachipa ruzivo rwakafanana nerwavagara vachiziva.
Basa rehunyanzvi richatanga mumwedzi iri kuuya, nemapoka kubva kune vese vanobatsirana. kugadzira nekuyedza nzira dzinodiwa kuti mapuratifomu "ataurirane"Miedzo yekuratidza humbowo hwepfungwa uye mapurogiramu ekuedza achaitwa vasati vaita kuti hurongwa uhwu huwanikwe kune veruzhinji, nechinangwa chekuona kuti mashandiro acho anokurumidza, akavimbika, uye akafanana munyika dzese.
Sezvakatsanangurwa naBizum, Mhinduro dzekubhadhara dziripo mumusika wega wega hadzizochinjwa pamazita adzo, chimiro chadzo, kana mashandiro adzo ekutanga.Nemamwe mashoko, vashandisi veBizum vacharamba vachishandisa Bizum sezvavaiita kare, uye zvimwe chetezvo zvichashanda kune mamwe maapplication. Musiyano uchava wekuti, kana vachida kutumira mari kune mumwe munhu ari mune imwe nyika iri kutora chikamu, vachakwanisa kuzviita vasingashandise mari yebhangi kana masevhisi matsva.
Mari dzekubhadhara dzemunhu dzinobva kune dzimwe nyika dzichashanda sei?
Pfungwa huru ndeyokuti Kutumira mari kune mumwe munhu ari kune imwe nyika kunofanira kukurumidza uye kuri nyore seBizum yemuno.Vashandisi vacharamba vachikwanisa kuziva munhu anogamuchira mari vachishandisa nhamba dzavo dzenharembozha, vasingade kuziva IBAN yavo, BIC code kana chero rumwe ruzivo rwakaoma rwebhangi, izvo zvinoita kuti nzira yacho ive nyore kana tichienzanisa nekutumira mari kune dzimwe nyika.
Mapuratifomu akasiyana-siyana anobatanidzwa achashanda nenzira inoenderana, kuitira kuti Mushandisi weBizum muSpain achakwanisa kutumira mari kumushandisi weBancomat muItaly kana mushandisi weSIBS-MB Way muPortugal pasina kuchinja maapplication. Nheyo imwecheteyo ichashanda kune dzimwe nyika dziri mukati me network, zvichiita kuti kubhadhara kwezuva nezuva pakati pemhuri, shamwari, kana zvibvumirano zvidiki zvekutenga nekutengesa pakati pevanhu.
Parizvino, rudzi urwu rwekushanda pamwe chete rwatove chokwadi pakati Bizum, Bancomat naMB WayVashandisi vemhinduro idzi nhatu vanogona kubhadhara kana kutamisa mari pakati pavo. Spain, Italy, Portugal neAndorraChirongwa chitsva ichi chinosvika kune dzimwe nzvimbo dzakabatwa neWero neVipps MobilePay, zvakabatanidzwa mumubatanidzwa weEuroPA pamwe nezvirongwa zvekubhadhara nefoni zveEurope.
Kufambira mberi uku kunoonekwa sedanho rakakosha mukati me kugadziriswa kwemasevhisi emari muEuropeNekuita kuti kubhadhara kwezuva nezuva pakati penyika kuve nyore, zvinopindura kudiwa kuri kukura kwemhinduro dzekukurumidza mukondinendi uko kufamba, kushanda panhare, uye hukama hwenyika dzakasiyana-siyana huri kuramba huchiwanda.
Purogiramu: kutanga kubhadhara P2P, wozotenga muzvitoro
Kutangwa kwakarongwa kuchaitwa muzvikamu. Kutanga, Chinonyanya kukosha ndechekugonesa kubhadhara kwepeer-to-peer (P2P) pakati penyika dzakasiyana. Chinangwa chakaiswa nemapuratifomu ari kutora chikamu ndechekuti mari idzi dzekubhadhara dzinopfuura miganhu dzishande zvizere panosvika gore ra2026, kana bvunzo dzehunyanzvi dzinodiwa uye kugadziriswa kwemitemo kwapera.
Muchikamu chechipiri, chirongwa ichi chinofunga nezve Wedzera kushanda pamwe chete pakutenga muzvitoro zve e-commerce uye nzvimbo dzekutengesa munyika dziri kutora chikamu. Chirongwa ndechekutanga kushanda kwebhizinesi iri zvishoma nezvishoma kutanga muna 2027, kuitira kuti vashandisi vagone kubhadhara muzvitoro zvepanyama uye zvepamhepo kunze kwenyika vachishandisa nzira imwechete yekubhadhara nefoni yavanoshandisa munyika dzavo.
Izvi zvinoreva kuti, munguva yepakati, mushandisi wechiSpanish anogona Bhadhara muchitoro chiri kuFrance, Germany kana Belgium uchishandisa Bizumchero bedzi sangano iri richigamuchira network yakajairika yakagadzirwa nemapuratifomu aya. Izvi zvinoshandawo kune zvinotengwa online pamawebhusaiti ari munyika dziri kutora chikamu, uko vashandisi vaizoona bheji rinoratidza kuti nzira yavo yekubhadhara inoenderana.
Maitiro aya anobvumira masangano kugadzirisa nguva dzebasa kuti dzienderane nezvinodiwa kuomarara kwehunyanzvi uye kwemitemo yekubatanidza masisitimu mazhinji enyika pasi pehurongwa humwe chete. Izvi zvine chinangwa chekuona kuti, kana basa iri rikatangwa kune vese, rinopa mwero wekuchengetedzwa uye kuvimbika kwakafanana nekubhadhara kwenyika kuripo parizvino.
Chiratidzo chitsva chechiratidzo chekuziva muripo kunze kwenyika
Chimwe chezvinhu zvakatarwa muchibvumirano ndeche kugadzirwa kwechiratidzo chitsva chechiratidzo chakajairika Chisimbiso ichi chicharatidzwa pamwe chete nechiratidzo chega chega chemhinduro yenyika. Chichaita kuti vatengi vakwanise kuziva nekukurumidza kuti nzira dzavo dzekubhadhara dzinogamuchirwa kupi pavanenge vachifamba kana kutenga mune dzimwe nyika dzeEurope.
Mukuita, izvi zvinoreva kuti vashandisi vachakwanisa ziva kuti ndeapi zvitoro kana masevhisi epamhepo anogona kushandisa Bizum kana imwe mhinduro yakaenzana Nekungotarisa logo iyi yakagovaniswa. Kana iri yeSpain, logo iyi inoratidza kuti Bizum inzira yekubhadhara iri kunze kwemiganhu yenyika, muzvitoro zvepanyama uye pamapuratifomu edhijitari.
Kuchengetedza hunhu hwemhando yega yega yebasa chinhu chakakosha pachirongwa ichi. Mapuratifomu acho achachengetedza zita, dhizaini uye ruzivo rwemushandisinepo chiratidzo chitsva ichi chichashanda sechiratidzo chekugamuchirwa kwenyika dzese mukati me network yenyika dzakabatana.
Nehurongwa uhu, masangano aya anotsvaga kushandisa mukana we simba uye kuzivikanwa kwemhando dzakatovepo mumusika wega wega, ukuwo vachipa gwara riri nyore rekuona kuitira kuti mutengi azive kuti anogona kushandisa riini app yake yaagara achishandisa kunze kwenyika yake.
Kuchengetedzwa, kuchengetedzwa kwedata uye basa reindasitiri yemari
Bizum nevamwe vayo vakasimbirira kuti chibvumirano ichi chine chinangwa chekuvimbisa kuti Vagari vemuEurope nevatengesi vakawanda vanowana nzira dzekubhadhara dzakavimbika dzinochengetedza data ravoMukuru weBizum, Ángel Nigorra, akasimbisa kuti mapurojekiti akadai anongogoneka chete kuburikidza nekuzvipira pamwe chete pakati pemasangano akasiyana-siyana ari kutora chikamu.
Masangano evashandirwi emabhanga ekuSpain AEB, CECA uye Unacc Varatidzawo kutsigira kwavo kubatana kwemasystem ekubhadhara emafoni ekuEurope. Mumashoko avo, vakasimbisa kuti iyi idanho rakakosha rekuvandudza mari dzekubhadhara muEuropean Union uye kusimbisa kuzvitonga kwekondinendi munzvimbo dzinonetsa dzakadai semari.
Masangano aya, ayo anozobatanidzwa mumasangano ekuEurope muchikamu ichi senge EBF, ESBG uye EACBVanoti zvirongwa zvinotungamirwa neindasitiri zvakakosha mukusimudzira hunyanzvi hutsva uye kushanda zvakanaka, vachishandisa zvivakwa zvemabhanga zvakatoshandiswa muEurope uye hunyanzvi hwayo mukugadzirisa njodzi.
Chirongwa ichi chakagadzirirwa kuti chienderere mberi Zvivakwa zveEurope uye zviyeroChinangwa ndechekusimbisa hutongi hwezvetekinoroji nezvemari munharaunda iyi uye kuderedza kuvimba nevanopa rubatsiro kubva kunze. Panguva imwe chete, chinangwa ndechekuchengetedza kuchengetedzwa kwakakwirira, kuvanzika, uye kuchengetedzwa kwedata mukutengeserana kwese kunodarika miganhu yenyika.
Bizum muSpain: kusimbiswa kwemukati uye kuwedzera kwenyika
Muchirevo chechiSpanish, Bizum yava chinhu chinoshandiswa zvakanyanya Inobatsira pakubhadharana nekukurumidza pakati pevanhu uye iri kuwana mukurumbira mukutengeserana kwepachivande uye kwepaindaneti. Ichitungamirirwa nemabhangi ekuSpain, puratifomu iyi inochengetedza kukura kwakasimba muhuwandu hwevashandisi pamwe nehuwandu hwekutengeserana.
Mukurovedza muviri kwazvino kuripo, Vanhu vanopfuura mamiriyoni makumi matatu vakashandisa Bizum muSpainnekuwedzera kwemanhamba maviri kana tichienzanisa negore rapfuura. Mari inosvika mamiriyoni 3,4 yaibhadharwa zuva nezuva kuburikidza nepuratifomu iyi, nehuwandu hwayo hwaipfuura mabhiriyoni makumi matanhatu nenomwe eeuro pagore.
Kushandiswa kweBizum hakuchagumiri pakuchinjisa zvinhu pakati peshamwari kana mhuri. Mabhizinesi anoda kusvika 111.000 nezvitoro zvepaindaneti zvinogamuchira Bizum senzira yekubhadhara, iyo yakawedzera kuvapo kwayo kune chikamu chikuru chekutenga kwezuva nezuva uye yakaita kuti zvive nyore kumabhizinesi mazhinji kubatanidza kubhadhara nekukurumidza kwemafoni munzira dzavo dzekutengesa.
Pamwe chete nekukura uku kwemukati, Bizum yatanga kutora matanho ekuenda kune dzimwe nyika. Kubva munaKurume 2025, zvave zvichikwanisika kubhadhara kuburikidza nemakambani ari muItaly, Portugal, neAndorra.Nekuda kwekushanda pamwe chete neBancomat neSIBS-MB Way, mubatanidzwa mutsva weEurope unosimbisa uye unowedzera danho iri rekutanga, uchigadzira nzira yekuti mashandiro aya asvike kune dzimwe nyika dziri kutora chikamu muchibvumirano.
Mhedzisiro kune vagari, mabhizinesi uye musika mumwe chete weEurope
Kune vashandisi vekupedzisira, mukana mukuru uchava kugona kutumira uye kugamuchira mari kune dzimwe nyika zviri nyore Pasina kuchinja maapplication, dzidza mashandiro anoita masevhisi matsva, kana kugadzirisa matambudziko ekutamiswa kwemari kubva kune dzimwe nyika. Chiitiko ichi chichafanana nekushandiswa kwazvino kwekubhadhara kwefoni dzemuno, nekutengeserana nekukurumidza uye kwakananga.
Mabhizinesi, kunyanya ayo ane mukana wekushandisa internet, achakwanisa kuwedzera vatengi vayo vanogona kuwanikwa mune dzimwe nyika dzeEurope avo vanosarudza kubhadhara nezvishandiso zvavanotoziva. Kushanda pamwe chete kunoita kuti zvive nyore kuti mutengi wekune imwe nyika anzwe akasununguka kushandisa app yavo yenguva dzose, izvo zvinogona kuwedzera kutengesa uye kuderedza kurega kubhadhara.
Kubva pamaonero emusika mumwe chete, kubatana kwemapuratifomu aya kunodudzirwa sedanho rinoenda ku kubatanidzwa kukuru kwehupfumi nezvemari mukati meEuropean UnionKana mari dzekunze kwenyika dzikava nyore sedzemuno, kusawirirana kuchiri kukanganisa hukama hwekutengeserana nehupfumi pakati pevagari venyika dzakasiyana kunobviswa.
Zvose zviri pachena, chirongwa ichi chinoisa Bizum nevamwe vadyidzani vekuEurope munzvimbo yakakosha mukukura kwekubhadhara nefoni mukondinendi. kutiswededza pedyo nemamiriro ezvinhu apo kubhadhara kana kutumira mari kune imwe nyika yeEurope hakuna kusiyana zvakanyanya nekuita izvozvo iwe pachako.kwete nekukurumidza kana nyore kushandisa.
