Ndalama Zamakono Zamakono ndi Zomwe Muyenera Kuyembekezera Posachedwapa
Malta - Innovation ndi Technology
Malta pakali pano akugwiritsa ntchito njira yothandizira kuonetsetsa kuti Malta amaonedwa kuti ndi imodzi mwa maulamuliro apamwamba ku EU pazatsopano ndi zamakono. Chifukwa chake ndikofunikira kudziwa zomwe Msika wa Digital Finance umapangidwa pano komanso komwe ukulowera.
Malta ndi malo abwino kwambiri opangira ma Micro test-bed ndipo pakali pano pali njira zingapo zomwe zakhazikitsidwa kuti zikope makampani oyambitsa ukadaulo ndiukadaulo.
EU ndi Digital Finance Sector
Kumayambiriro kwa Seputembara 2020, European Commission idatengera phukusi lazachuma la digito, kuphatikiza njira yazachuma ya digito ndi malingaliro azamalamulo pazachuma cha crypto-assets ndi kulimba mtima kwa magwiridwe antchito a digito, kuti apange gawo lazachuma la EU lopikisana lomwe limapatsa ogula mwayi wopeza zinthu zatsopano zachuma, ndikuwonetsetsa. chitetezo cha ogula ndi kukhazikika kwachuma. Cholinga chokhala ndi malamulo omwe ali ochezeka pa digito komanso otetezeka kwa ogula, ndikukweza mgwirizano pakati pa omwe ayambitsa zatsopano ndi makampani okhazikika azachuma pomwe akulimbana ndi zoopsa zilizonse.
Udindo wa Owongolera
Gawo lazachuma lawona kuthamanga mwachangu mchitidwe woloza digito, ndipo zotsatira zake zikuyenda momwe mungayendere bwino chimango cha zolakwazi, popanda kupondereza kuthekera kwachuma.
Chidwi chamsika chozungulira ma crypto-assets, komanso ukadaulo wogawika wamakasitomala (DLT), ukupitilira kukula. Ubwino womwe ungakhalepo wazinthu zatsopanozi ndikuwonjezera ndalama zolipirira komanso kuchepetsa mtengo komanso kukulitsa kuphatikiza ndalama. Pochita izi palinso mndandanda wazovuta zomwe owongolera ambiri adawunikira ndipo akuwonjezera machenjezo kwa ogula ndi osunga ndalama.
Pochoka kumitundu yamabizinesi achikhalidwe, osewera akuluakulu aukadaulo akuyamba kupereka ntchito zosiyanasiyana zachuma papulatifomu. Nzeru zopangapanga komanso njira zophunzirira makina zikuphatikizidwa m'machitidwe amakampani ndipo zikuchulukirachulukira kugwiritsidwa ntchito pazida zopangidwira makasitomala. Oyang'anira akuwonanso zovuta zamakhalidwe pomwe mitundu ya AI imalingalira mosakwanira kuyeretsa deta, kusinthika ndi kusadziwika.
Njira Yogwirizana
Pamene makampani akutsamira pakugulitsa ntchito kuti achepetse ndalama komanso kubweretsa zinthu zatsopano, kuwunika kukukula pakukula kwa cyber resilience ndi kutulutsa anthu ena, ndipo misonkhano yosiyanasiyana ikuchitika kuti aphatikize owongolera ndi opanga zinthu kukhala mtsinje umodzi ndi cholinga chogawana. Pakalipano pali mapulojekiti angapo a sandbox omwe amalimbikitsa oyambitsa zatsopano kuti atenge nawo mbali popanga kuwonekera pakati pa zopereka ndi kuwongolera.
Zomangamanga zomwe zimayang'anira matekinoloje onse omwe akubwera ndi makina a digito, ndi zomangamanga ndi deta. Makampani akuyenera kuwonetsetsa kuti ali ndi ukadaulo wosunga ndi kusanthula nkhokwe zawo ndikukhala ndi ulamuliro wokwanira ndi kuwongolera. Ayenera kuteteza chinsinsi cha makasitomala ndi deta yamsika, pamene akupereka mautumiki moyenera kudutsa malire. Izi zimabweretsa zovuta zamalamulo, zomwe owongolera akupitiliza kukangana.
Digital Finance Strategy
The Digital Finance Strategy ikuwonetsa momwe ku Europe kulili pakusintha kwa digito pazachuma m'zaka zikubwerazi, ndikuwongolera kuopsa kwake. Ngakhale matekinoloje a digito ndi ofunikira pakupititsa patsogolo chuma cha ku Europe m'magawo onse, ogwiritsa ntchito ntchito zachuma ayenera kutetezedwa ku zoopsa zomwe zimabwera chifukwa chodalira kwambiri ndalama za digito.
Digital Finance Strategy imayika zofunikira zinayi zomwe zimalimbikitsa kusintha kwa digito:
- Imalimbana ndi kugawikana kwa Digital Single Market yazachuma, motero imathandizira ogula aku Europe kupeza ntchito zodutsa malire ndikuthandizira makampani azachuma aku Europe kukulitsa ntchito zawo zama digito.
- Imawonetsetsa kuti dongosolo la EU loyang'anira limathandizira luso la digito m'chidwi cha ogula komanso kuchita bwino pamsika.
- Amapanga malo a data azachuma ku Europe kuti alimbikitse luso loyendetsedwa ndi data, pogwiritsa ntchito njira ya data yaku Europe, kuphatikiza mwayi wofikira pa data ndi kugawana data mkati mwa gawo lazachuma.
- Imathana ndi zovuta zatsopano komanso zoopsa zomwe zimagwirizanitsidwa ndi kusintha kwa digito.
Mabanki akuyenera kudziwa kuti njira yotereyi idzabweretsa ziyembekezo zokhudzana ndi kukhazikitsidwa kwa matekinoloje atsopano kuti apereke chithandizo chandalama, kupititsa patsogolo kugawana deta komwe kumapangitsa kuti makampani azipereka bwino komanso kupititsa patsogolo luso logwiritsa ntchito njira zatsopano zachuma.
Zoyeserera zina zomwe zimapanga gawo la Digital Finance Strategy zikuphatikiza:
- Kuthandizira kugwiritsa ntchito zidziwitso za digito padziko lonse lapansi
- Kuthandizira kukulitsa ntchito zachuma za digito pa Msika Wokhawokha
- Kulimbikitsa mgwirizano ndi kugwiritsa ntchito zida za cloud computing
- Kulimbikitsa kugwiritsa ntchito zida zanzeru zopangira
- Kulimbikitsa zida zaukadaulo za IT kuti zithandizire kupereka malipoti ndi kuyang'anira
Digital Operational Resilience (DORA)
Mbali ya Digital Finance Package yoperekedwa ndi European Commission, lingaliro lamalamulo pazachitetezo cha digito (Malingaliro a DORA), ikuwonjezera zofunikira zomwe zilipo kale pa chiopsezo cha Information and Communications Technology (ICT), zomwe zimathandiza kuti mawonekedwe a IT omwe akuyembekezeka kukhala otetezeka komanso oyenera mtsogolo. Lingaliroli limakhudza zinthu zosiyanasiyana ndipo limaphatikizapo; Zofunikira pakuwongolera zoopsa za ICT, malipoti okhudzana ndi zochitika zokhudzana ndi ICT, kuyezetsa kulimba kwa magwiridwe antchito a digito, chiwopsezo cha chipani chachitatu cha ICT komanso kugawana zidziwitso.
Cholinga chake ndi kuthana ndi; kugawikana pazaudindo wa mabungwe azachuma omwe ali pachiwopsezo cha ICT, kusagwirizana pazofunikira za malipoti a zochitika mkati ndi m'magawo onse azachuma komanso chiwopsezo cha kugawana zidziwitso, kuyezetsa pang'ono komanso kosagwirizana kwa magwiridwe antchito a digito, komanso kufunikira kowonjezereka kwa gulu lachitatu la ICT. chiopsezo.
Mabungwe azachuma akuyembekezeka kukhalabe ndi machitidwe okhazikika a ICT ndi zida zomwe zimachepetsa chiwopsezo cha ICT ndi mfundo zolimbikitsira bizinesi. Mabungwe amafunikiranso kukhala ndi njira zowunikira, kugawa ndi kufotokoza zochitika zazikulu zokhudzana ndi ICT, ndikutha kuyesa nthawi ndi nthawi kulimba kwa magwiridwe antchito. Chiwopsezo cha chipani chachitatu cha ICT chikugogomezedwa kwambiri, pomwe opereka chithandizo chachitatu cha ICT akutsatiridwa ndi Union Oversight Framework.
Potengera zomwe zaperekedwa, mabanki akuyembekezeka kuchita masewera olimbitsa thupi, kuyesa mawonekedwe awo a ICT ndikukonzekera zosintha zomwe zikuyembekezeka. Boma likugogomezera kuti mabanki akuyenera kuyang'anira mosalekeza magwero onse a chiwopsezo cha ICT pomwe ali ndi chitetezo chokwanira komanso kupewa. Pomaliza, mabanki akuyenera kupanga ukadaulo wofunikira ndikukhala ndi zida zokwanira kuti agwirizane ndi zofunikira zochokera kumalingaliro otere.
Njira Zolipirira Zogulitsa
The Digital Finance Package kumaphatikizanso odzipereka Njira Zolipirira Zogulitsa. Njira iyi ikuphatikiza ndondomeko yatsopano yanthawi yapakati ndi yayitali yomwe cholinga chake ndi kupititsa patsogolo chitukuko chamalipiro ogulitsa m'dziko la digito lomwe likupita patsogolo. Nsanamira zinayi za ndondomekoyi ndi;
- kuonjezera njira zolipirira digito ndi pompopompo ndi pan-European kufikira;
- misika yolipira mwatsopano komanso yopikisana;
- njira zolipirira zogwira mtima komanso zogwirizanirana ndi malonda ndi zida zina zothandizira; ndi
- malipiro oyenerera padziko lonse, kuphatikizapo ndalama zotumizira.
Njira iyi ikufuna kukulitsa maukonde olandila ndalama za digito, Commission ikuthandiziranso ntchito yopereka yuro ya digito. Kuonjezera apo, Commission ikufuna kuonetsetsa kuti malamulo ozungulira okhudzana ndi malipiro, amakhudza onse ofunikira, omwe ali ndi chitetezo chapamwamba cha ogula.
Kodi Dixcart Malta Ingathandize Motani?
Dixcart Malta ali ndi zambiri zokhudzana ndi ntchito zachuma, ndipo amatha kupereka chidziwitso chotsatira malamulo ndi malamulo ndikuthandizira kukhazikitsa kusintha, teknoloji ndi kusintha kwa bungwe.
Poyambitsa zatsopano zatsopano ndi mautumiki, zomwe Dixcart Malta zinachitikira zingathandize makasitomala kusintha kusintha kwa malamulo ndi kuzindikira ndikuwongolera zoopsa zomwe zikubwera.
Timazindikiranso ndikuthandizira makasitomala athu kuti apeze njira zosiyanasiyana za boma la Malta, kuphatikizapo ndalama ndi ngongole zofewa.
Zina Zowonjezera
Kuti mumve zambiri za Digital Finance ndi njira yomwe idatengedwa ku Malta, chonde lemberani Jonathan Vassallo, ku ofesi ya Dixcart ku Malta: malangizo.malta@dixcart.com.
Kapenanso, chonde lankhulani ndi a Dixcart omwe mumawakonda.
