Imali yeDijithali yanamhlanje kunye nento onokuyilindela kwikamva elikufutshane
I-Malta - i-Innovation kunye neTekhnoloji
I-Malta okwangoku iphumeza isicwangciso sokunceda ukuqinisekisa ukuba iMalta ithathwa njengenye yeendawo eziphezulu kwi-EU kwizinto ezintsha kunye nobuchwepheshe. Kubalulekile ke ngoko ukuba wazi ukuba yintoni kanye kanye iMarkethi yezeMali yeDijithali yenziwe ngayo ngoku kwaye isingise phi.
IMalta yindawo ephambili yovavanyo lwe-Micro-bed kwaye ngoku kukho izikimu ezininzi eziye zaziswa ukutsala ulutsha kunye neenkampani eziqalayo ezisekwe kwitekhnoloji.
I-EU kunye neCandelo lezeMali leDijithali
Ekuqaleni kukaSeptemba 2020, iKomishoni yaseYurophu yamkela iphakheji yezemali yedijithali, kubandakanywa isicwangciso semali yedijithali kunye neziphakamiso zomthetho kwi-crypto-assets kunye nokuqina kokusebenza kwedijithali, ukuvelisa icandelo lezemali le-EU elikhuphisanayo elinika abathengi ukufikelela kwiimveliso zezemali ezintsha, ngelixa liqinisekisa. ukhuseleko lwabathengi kunye nokuzinza kwemali. Injongo yokuba nemithetho esebenziseka ngakumbi kwidijithali kwaye ikhuseleke kubathengi, kukuphucula intsebenziswano phakathi kokuqaliswa kwezinto ezintsha kunye neefemu ezisekiweyo kwicandelo lezemali ngelixa kulungiswa nayiphi na imingcipheko enxulumene noko.
Isikhundla sabaLawuli
Icandelo leenkonzo zezimali libone ukukhawulezisa okukhawulezileyo kwindlela ekhokelela kwidijithali, kwaye ngenxa yoko, abalawuli abaninzi bajonga indlela yokuqinisekisa ngeyona ndlela ilungileyo inkqubo-sikhokelo yolawulo ilawula umngcipheko wolu tshintsho, ngaphandle kokuthintela amandla abo okuphucula ngokubonakalayo inkqubo yezemali.
Inzala yemarike malunga ne-crypto-assets, kunye ne-underlying distributed ledger technology (DLT), iyaqhubeka ikhula. Iinzuzo ezinokuthi zibe kho kolu tshintsho kukwandisa ukusebenza kakuhle kwentlawulo kunye nokunciphisa iindleko kunye nokwandisa ukubandakanywa kwemali. Ngokwenza njalo kukwakho noluhlu lweenkxalabo ezinxulunyanisiweyo eziye zaphawulwa ngabalawuli abaninzi kwaye banyusa izilumkiso kubathengi kunye nabatyali-mali.
Ekutshintsheni kude kwiimodeli zeshishini lemveli, abadlali betekhnoloji enkulu baqala ukubonelela ngeenkonzo ezahlukeneyo zezemali ezisekwe kwiqonga. Ubukrelekrele bokwenziwa kunye nobuchule bokufunda ngoomatshini bubandakanywa kwiinkqubo zeefemu kwaye ziya zisetyenziswa ngakumbi kwizixhobo eziyilelwe ukusetyenziswa ngabathengi. Abalawuli baphinda bathathele ingqalelo iinkxalabo zokuziphatha apho imodeli ye-AI ithathela ingqalelo ukucocwa kwedatha, ukuguqulwa kunye nokungaziwa.
Indlela Emanyeneyo
Njengoko iifemu zithembele ekunikezelweni kwangaphandle ukuze kuncitshiswe iindleko kunye nokuhambisa iimveliso ezintsha, kukho uphononongo olukhulayo malunga nokuqina kwe-cyber kunye nokukhutshwa kweqela lesithathu, kwaye iinkomfa ezahlukeneyo ziyabanjwa ukuze kudityaniswe abalawuli kunye nabaqambi bezinto ezintsha zibe ngumsinga omnye ngokujolisa okwabelwana ngako. Ngoku kukho inani leeprojekthi zebhokisi yesanti ezikhuthaza ukuqalwa kwezinto ezintsha ukuba kuthathe inxaxheba ekudaleni ukungafihli phakathi kokunikezelwa kwemveliso kunye nolawulo.
Iibhloko zokwakha ezisisiseko ezixhasa bonke ubugcisa obuvelayo kunye nokufakwa kwedijithali, ziziseko ezingundoqo kunye neenkcukacha. Iifemu kufuneka ziqinisekise ukuba zinobuchule bokugcina nokuhlalutya oovimba beenkcukacha zazo kwaye zibe nolawulo olwaneleyo nolawulo. Kufuneka bakhusele idatha yabathengi kunye nemarike eyimfihlo, ngelixa behambisa iinkonzo ngokufanelekileyo kwimida. Oku kuphakamisa imingeni yezomthetho, apho abalawuli baqhubeka bexoxa.
ISicwangciso sezeMali seDijithali
The ISicwangciso sezeMali seDijithali ibeka indawo yaseYurophu ngokubanzi kwinguqu yedijithali yenkxaso-mali kwiminyaka ezayo, ngelixa ilawula iingozi zayo. Ngelixa ubugcisa bedijithali bungundoqo ekuphuculeni uqoqosho lwaseYurophu kumacandelo onke, abasebenzisi beenkonzo zezimali kufuneka bakhuselwe kwiingozi ezibangelwa kukuthembela okwandileyo kwimali yedijithali.
ISicwangciso sezeMali seDijithali sibeka izinto eziphambili ezine eziphambili ezikhuthaza inguqu yedijithali:
- Ijongana noqhekeko kwiMarike yeDijithali eNye kwiinkonzo zezimali, ngaloo ndlela ivumela abathengi baseYurophu ukuba bafikelele kwiinkonzo ezinqumla imida kwaye bancede iifemu zemali zaseYurophu zikhulise imisebenzi yazo yedijithali.
- Iqinisekisa ukuba isakhelo solawulo se-EU siququzelela ukutsha kwedijithali kumdla wabathengi kunye nokusebenza kakuhle kwentengiso.
- Idala indawo yedatha yezemali yaseYurophu ukukhuthaza ukusungulwa kwedatha, ukwakha kwisicwangciso sedatha yaseYurophu, kubandakanywa ukufikelela okuphuculweyo kwidatha kunye nokwabelana ngedatha ngaphakathi kwecandelo lezemali.
- Ukujongana nemingeni emitsha kunye nemingcipheko ehambelana nokuguqulwa kwedijithali.
Iibhanki kufuneka ziqonde ukuba isicwangciso esinjalo siya kuzisa okulindelweyo malunga nokuphunyezwa kobuchwepheshe obutsha ukunikezela ngeenkonzo zezimali, ukwandiswa kokwabelana ngedatha okukhokelela kunikezelo olungcono olulindelekileyo ziifemu kunye nokwandiswa kwezakhono zokukhangela kule nkqubo intsha ye-eco-system.
Amanyathelo okuqala ayinxalenye yeSicwangciso sezeMali seDijithali abandakanya:
- Ukuvumela ukusetyenziswa okusebenzisanayo kwe-EU ngokubanzi kwezazisi zedijithali
- Ukuququzelela ukunyuswa kweenkonzo zezimali zedijithali kwiMarike enye
- Ukukhuthaza intsebenziswano kunye nokusetyenziswa kweziseko zecomputing yefu
- Ukukhuthaza ukuthathwa kwezixhobo zobuntlola ezenziweyo
- Ukukhuthaza izixhobo ezintsha ze-IT ukuququzelela ukunika ingxelo kunye nokongamela
I-Digital Operational Resilience (DORA)
Icandelo le Ipakethe yeMali yeDijithali ikhutshwe yiKhomishini yaseYurophu, isindululo somthetho malunga nokomelela kokusebenza kwedijithali (DORA isindululo), yongeza iimfuno ezikhoyo zomngcipheko woLwazi kunye noNxibelelwano (ICT) umngcipheko, ivumela i-IT landscape ekulindeleke ukuba ikhuseleke kwaye ilungele ikamva. Isindululo sijongana nezinto ezahlukeneyo kwaye sibandakanya; Iimfuno zokulawulwa kwengozi ye-ICT, ingxelo yeziganeko ezinxulumene ne-ICT, uvavanyo lwedijithali lokuzinza, umngcipheko wesithathu we-ICT kunye nokwabelana ngolwazi.
Isindululo sijonge ukujongana; Uqhekeko malunga nezibophelelo zamaqumrhu emali kummandla womngcipheko we-ICT, ukungangqinelani kwiimfuno zengxelo yezehlo ngaphakathi nakuwo onke amacandelo eenkonzo zezimali kunye nosoyikiso lokwabelana ngolwazi, uvavanyo olulinganiselweyo nolungalungelelaniswanga lwedijithali, kunye nokwanda kokufaneleka kwe-ICT iqela lesithathu. ingozi.
Amaqumrhu emali kulindeleke ukuba agcine iinkqubo ze-ICT ezinokomelela kunye nezixhobo ezinciphisa umngcipheko we-ICT kunye nemigaqo-nkqubo esebenzayo yokuqhubekeka kweshishini. Amaziko akwafuneka ukuba abe neenkqubo zokubeka esweni, ukuhlela nokunika ingxelo ngeziganeko ezinkulu ezinxulumene ne-ICT, akwazi ukuvavanya amaxesha ngamaxesha ukomelela kokusebenza kwenkqubo. Umngcipheko we-ICT kwiqela lesithathu ugxininiswa ngakumbi, kunye nababoneleli benkonzo be-ICT beqela lesithathu abaxhomekeke kwiSakhelo sokuLawula iManyano.
Kumxholo wesindululo, iibhanki kulindeleke ukuba zenze umsebenzi opheleleyo, ukuvavanya isakhelo se-ICT yazo kunye nesicwangciso sotshintsho olulindelekileyo. IGunya ligxininisa ukuba iibhanki kufuneka ziqhubeke nokubeka iliso kuyo yonke imithombo yomngcipheko we-ICT ngelixa zinokhuseleko olwaneleyo kunye namanyathelo okuthintela. Okokugqibela, iibhanki kufuneka zakhe ubuchule obufunekayo kwaye zibe nemithombo eyaneleyo yokuthobela iimfuno eziphuma kwezi zindululo.
IQhinga leeNtlawulo zoRhwebo
The Ipakethe yeMali yeDijithali ikwabandakanya ozinikeleyo IQhinga leeNtlawulo zoRhwebo. Esi sicwangciso-qhinga siquka inkqubo-sikhokelo yomgaqo-nkqubo wexesha eliphakathi ukuya kwelide ojolise ekuphuculeni uphuhliso lweentlawulo zentengiso kwihlabathi eliguqukayo ledijithali. Iintsika ezine zesi sicwangciso zezi;
- ukwandisa izisombululo zedijithali kunye nokuhlawula ngokukhawuleza kunye nokufikelela kwi-pan-European;
- iimakethi ezivelisayo nezinokhuphiswano lwentlawulo yentengiso;
- iinkqubo zokuhlawula ezisebenzayo nezisebenzisanayo kunye nezinye iziseko zokuxhasa; kwaye
- iintlawulo zamazwe ngamazwe ezisebenzayo, kubandakanywa neentlawulo ezithunyelwayo.
Esi sicwangciso sijolise ekwandiseni inethiwekhi yokwamkelwa kweentlawulo zedijithali, kunye neKomishoni exhasa umsebenzi malunga nokukhutshwa kwe-euro yedijithali. Ukongezelela, iKhomishoni ifuna ukuqinisekisa ukuba umgaqo-nkqubo osemthethweni ojikelezayo malunga neentlawulo, ubandakanya bonke abadlali ababalulekileyo, kunye nenqanaba eliphezulu lokukhusela abathengi.
Inokunceda njani iDixcart eMalta?
I-Dixcart Malta inamava amaninzi kwiinkonzo zemali, kwaye inokubonelela ngengqiqo yokuthotyelwa kwezomthetho kunye nokulawula kunye nokunceda ukuphumeza inguqu, iteknoloji kunye noshintsho lwentlangano.
Xa usungula iimveliso ezintsha kunye neenkonzo ezintsha, amava eDixcart Malta anokunceda abathengi baqhelane nokutshintsha kweemfuno zolawulo kwaye baqaphele kwaye balawule imingcipheko evelayo.
Sikwachonga kwaye sincede abathengi bethu ekufikeleleni kwiinkqubo ezahlukeneyo zorhulumente waseMalta, kubandakanya izibonelelo kunye nemali mboleko ethambileyo.
Iinkcukacha ezongezelelweyo
Ngolwazi oluthe kratya malunga neDigital Finance kunye nendlela ethathwe eMalta, nceda uqhagamshelane UJonathan Vassallo, kwi-Dixcart ofisi eMalta: ingcebiso.malta@dixcart.com.
Kungenjalo, nceda uthethe nomfowunelwa wakho wesiqhelo weDixcart.
