Ezezimali Zedijithali Zanamuhla kanye nokuthi Yini Ongayilindela Esikhathini Esizayo Esiseduze
I-Malta - Ukuqamba kanye Nobuchwepheshe
Njengamanje i-Malta isebenzisa isu lokusiza ukuqinisekisa ukuthi i-Malta ibhekwa njengenye yezindawo eziphezulu ze-EU zokusungula izinto ezintsha nobuchwepheshe. Ngakho-ke kubalulekile ukwazi ukuthi i-Digital Finance Market yenziwe ngani njengamanje nokuthi ibhekephi.
I-Malta iyindawo eyinhloko ye-Micro test-bed futhi okwamanje kunezinhlelo ezimbalwa ezethulwe ukuze zihehe izinkampani ezisungula izinto ezintsha nezobuchwepheshe.
I-EU kanye Nomkhakha Wezezimali Wedijithali
Kusukela ngo-September 2020, i-European Commission yamukela iphakethe lezezimali zedijithali, okuhlanganisa isu lezezimali zedijithali kanye neziphakamiso zomthetho mayelana ne-crypto-assets kanye nokuqina kokusebenza kwedijithali, ukukhiqiza umkhakha wezezimali we-EU oqhudelanayo onikeza abathengi ukufinyelela emikhiqizweni yezezimali emisha, kuyilapho iqinisekisa. ukuvikelwa kwabathengi nokuzinza kwezezimali. Inhloso yokuba nemithetho esebenziseka kalula kwidijithali futhi ephephile kubathengi, ukukhulisa ukusebenzisana phakathi kwezinkampani ezisungula izinto ezintsha kanye namafemu asezinzile emkhakheni wezezimali kuyilapho kubhekwana nanoma yiziphi izingozi ezihlobene.
Isikhundla Sabalawuli
Umkhakha wezinsizakalo zezezimali ubone ukushesha kwesimo sokusebenza kwedijithali, futhi ngenxa yalokho, abalawuli abaningi babheka ukuthi bangaqinisekisa kanjani kangcono ukuthi uhlaka lokulawula lulawula ubungozi balezi zinto ezintsha, ngaphandle kokuphazamisa amandla abo okuthuthukisa kakhulu uhlelo lwezezimali.
Inzalo yemakethe ezungeze i-crypto-assets, kanye nobuchwepheshe be-ledger eyisisekelo (DLT), iyaqhubeka nokukhula. Izinzuzo ezingaba khona zalezi zindlela ezintsha ukukhulisa ukusebenza kahle kokukhokha kanye nokunciphisa izindleko nokwandisa ukufakwa kwezimali. Ngokwenza kanjalo kukhona nohlu lokukhathazeka okuhambisanayo abalawuli abaningi abaye balugqamisa futhi bakhulisa izixwayiso kubathengi nakubatshalizimali.
Uma usuka kumamodeli webhizinisi wendabuko, abadlali abakhulu bezobuchwepheshe sebeqala ukunikeza izinsiza ezihlukahlukene zezezimali ezisekelwe endawenikazi. Ubuhlakani bokwenziwa nezindlela zokufunda zomshini zifakwa ezinqubweni zezinkampani futhi ziya ngokuya zisetshenziswa kumathuluzi adizayinelwe ukusetshenziswa amakhasimende. Abalawuli baphinde baqaphele ukukhathazeka kokuziphatha lapho amamodeli e-AI engacabangi ngokwanele ukuhlanzwa kwedatha, ukuguqulwa kanye nokungaziwa.
Indlela Ehlanganisiwe
Njengoba amafemu encike ekukhishweni kwangaphandle ukuze kuncishiswe izindleko futhi alethe imikhiqizo emisha, kukhona ukucutshungulwa okukhulayo kokuqina ku-inthanethi nokukhishwa kwezinkampani zangaphandle, futhi kubanjwa izingqungquthela ezihlukahlukene ukuze kuhlanganiswe abalawuli nabasunguli emfudlaneni owodwa ngokugxila okwabiwe. Okwamanje kunenqwaba yamaphrojekthi e-sandbox akhuthaza ukuqaliswa kokusungula ukuthi kubambe iqhaza ekudaleni izinto obala phakathi kokunikezwa komkhiqizo nokulawula.
Izakhiwo ezibalulekile ezisekela bonke ubuchwepheshe obusafufusa kanye nokwenza idijithali, ingqalasizinda kanye nedatha. Amafemu kudingeka aqinisekise ukuthi anobuchwepheshe bokugcina nokuhlaziya imininingwane yawo egciniwe futhi abe nokubusa nokulawula okwanele. Kudingeka bavikele idatha eyimfihlo yamakhasimende kanye nemakethe, kuyilapho beletha izinsizakalo ngokuphumelelayo emingceleni. Lokhu kuphakamisa izinselele zomthetho, abalawuli abaqhubeka nokuphikisana.
I-Digital Finance Strategy
The I-Digital Finance Strategy ibeka isimo saseYurophu esijwayelekile mayelana nokuguqulwa kwedijithali kwezezimali eminyakeni ezayo, kuyilapho ilawula ubungozi bayo. Nakuba ubuchwepheshe bedijithali buyisihluthulelo sokwenza umnotho wase-Europe ube wesimanje kuyo yonke imikhakha, abasebenzisi bezinsizakalo zezezimali kufanele bavikelwe ezingozini ezibangelwa ukuthembela okwengeziwe kwezezimali zedijithali.
Isu Lezimali Zedijithali libeka izinto ezibalulekile ezine ezibalulekile ezikhuthaza ukuguqulwa kwedijithali:
- Ibhekana nokuhlukana Kwemakethe Eyodwa Yedijithali yezinsizakalo zezezimali, ngaleyo ndlela ivumela abathengi base-Europe ukuthi bafinyelele izinsizakalo eziwela imingcele futhi basize amafemu ezezimali aseYurophu akhuphule ukusebenza kwawo kwedijithali.
- Iqinisekisa ukuthi uhlaka lokulawula lwe-EU lusiza ukuqamba okusha kwedijithali ngokwentshisekelo yabathengi nokusebenza kahle kwemakethe.
- Idala indawo yedatha yezezimali yase-Europe ukuze kuthuthukiswe ukuqanjwa okusha okuqhutshwa yidatha, yakhela kuqhinga ledatha laseYurophu, okuhlanganisa ukufinyelela okuthuthukisiwe kudatha nokwabelana ngedatha ngaphakathi komkhakha wezezimali.
- Ibhekana nezinselele ezintsha kanye nezingozi ezihlobene noguquko lwedijithali.
Amabhange kufanele aqaphele ukuthi isu elinjalo lizoletha okulindelekile mayelana nokuqaliswa kobuchwepheshe obusha ukuletha izinsizakalo zezezimali, ukwabelana ngedatha okuthuthukisiwe okuholela ekunikezeni okungcono okulindelekile kwamafemu kanye nokuthuthukiswa kwamakhono okuzulazula kulolu hlelo olusha lwe-eco-system yezezimali.
Izinyathelo ezithile eziyingxenye ye-Digital Finance Strategy zihlanganisa:
- Ivumela ukusetshenziswa okusebenzisanayo kwe-EU yonkana kobunikazi bedijithali
- Ukugqugquzela ukukhushulwa kwezinsiza zezezimali zedijithali kuyo yonke iMakethe Eyodwa
- Ukukhuthaza ukubambisana nokusetshenziswa kwengqalasizinda yekhompyutha yamafu
- Ukukhuthaza ukusetshenziswa kwamathuluzi obuhlakani bokwenziwa
- Ukuphromotha amathuluzi e-IT amasha ukuze kube lula ukubika nokugadwa
I-Digital Operational Resilience (DORA)
Ingxenye Digital Finance Package ekhishwe yiKhomishini YaseYurophu, isiphakamiso somthetho sokuqina kokusebenza kwedijithali (Isiphakamiso se-DORA), ingeza izimfuneko ezikhona zobungozi ze-Information and Communications Technology (ICT), evumela isimo se-IT okulindeleke ukuthi siphephe futhi silungele ikusasa. Lesi siphakamiso sibhekana nemibandela eyahlukene futhi sihlanganisa; Izidingo zokulawulwa kwezinhlekelele ze-ICT, ukubikwa kwezigameko ezihlobene ne-ICT, ukuhlolwa kwedijithali kokuqina kokusebenza, ubungozi be-ICT benkampani yangaphandle kanye nokwabelana ngolwazi.
Isiphakamiso sihlose ukubhekana; ukuhlukana mayelana nezibopho zezinkampani zezimali endaweni yengcuphe ye-ICT, ukungqubuzana kwezidingo zokubika izigameko ngaphakathi naphakathi kwemikhakha yezinsizakalo zezezimali kanye nosongo lokwabelana ngolwazi, ukuhlolwa kokuqina kokusebenza kwedijithali okulinganiselwe nokungaxhumanisiwe, kanye nokufaneleka okwandayo kwezinkampani zangaphandle ze-ICT. ingozi.
Amabhizinisi ezezimali kulindeleke ukuthi agcine izinhlelo namathuluzi e-ICT aqinile anciphisa ubungozi be-ICT ngezinqubomgomo ezisebenzayo zokuqhubeka kwebhizinisi ezikhona. Izikhungo nazo kudingeka zibe nezinqubo zokuqapha, ukuhlukanisa kanye nokubika izehlakalo ezinkulu ezihlobene ne-ICT, ezinekhono lokuhlola ukuqina kokusebenza kwesistimu ngezikhathi ezithile. Ubungozi benkampani yangaphandle ye-ICT bugcizelelwa kakhulu, nabahlinzeki besevisi be-ICT benkampani yangaphandle engaphansi kwe-Union Oversight Framework.
Ngokwengqikithi yalesi siphakamiso, amabhange kulindeleke ukuthi enze umsebenzi ophelele, ahlole uhlaka lwawo lwe-ICT futhi ahlele izinguquko ezilindelekile. Isiphathimandla sigcizelela ukuthi amabhange kufanele aqaphe ngokuqhubekayo yonke imithombo yengozi ye-ICT kuyilapho enezinyathelo ezanele zokuvikela kanye nokuvimbela. Okokugcina, amabhange kufanele akhe ubuchwepheshe obudingekayo futhi abe nezinsiza ezanele ukuze ahambisane nezidingo ezivela kulezo ziphakamiso.
Isu Lokukhokha Kwezitolo
The Digital Finance Package kuhlanganisa nokuzinikezela Isu Lokukhokha Kwezitolo. Leli su lihlanganisa uhlaka olusha lwenqubomgomo yesikhathi esimaphakathi neside okuhloswe ngaso ukuthuthukisa ukuthuthukiswa kwezinkokhelo zezitolo ezweni elithuthukayo ledijithali. Izinsika ezine zalelisu yilezi;
- ukwandisa izixazululo zokukhokha ezidijithali nezisheshayo ngokufinyelela kwe-pan-European;
- izimakethe zokukhokha ezithengisa izinto ezintsha nezincintisanayo;
- izinhlelo ezisebenzayo nezisebenzisanayo zokukhokha kanye nezinye izingqalasizinda ezisekelayo; futhi
- izinkokhelo zamazwe ngamazwe eziphumelelayo, okuhlanganisa izimali ezithunyelwayo.
Leli su lihlose ukwandisa inethiwekhi yokwamukela izinkokhelo zedijithali, kanti iKhomishana iphinde isekele umsebenzi obheke ekukhishweni kwe-euro yedijithali. Ukwengeza, iKhomishana ifuna ukuqinisekisa ukuthi uhlaka lomthetho oluzungezile mayelana nezinkokhelo, luhlanganisa bonke abadlali ababalulekile, ngezinga eliphezulu lokuvikelwa kwabathengi.
I-Dixcart Malta Ingasiza Kanjani?
I-Dixcart Malta inokuhlangenwe nakho okucebile kuzo zonke izinsizakalo zezezimali, futhi inganikeza ukuqonda kokuhambisana nomthetho nokulawula futhi isize ukusebenzisa izinguquko, ubuchwepheshe kanye nenhlangano.
Lapho kwethulwa imikhiqizo emisha namasevisi, ulwazi lwe-Dixcart Malta lungasiza amaklayenti ukuzivumelanisa nezimfuneko zokulawula ezishintshayo futhi abone futhi alawule izingozi ezivelayo.
Siphinde sihlonze futhi sisize amakhasimende ethu ekufinyeleleni izinhlelo ezahlukene zikahulumeni waseMalta, okuhlanganisa izibonelelo nemalimboleko ethambile.
Ulwazi Olwengeziwe
Ukuze uthole ulwazi olwengeziwe mayelana Nezezimali Zedijithali kanye nendlela ethathwe eMalta, sicela uxhumane UJonathan Vassallo, ehhovisi lika-Dixcart eMalta: iseluleko.malta@dixcart.com.
Noma, sicela ukhulume noxhumana naye ojwayelekile wakwa-Dixcart.
