Kalozera wa Nkhani
DCEP (ndalama za digito) zoperekedwa ndi banki yapakati zitha kulowa m'malo mwa ndalama zamabanki, koma WeChat ndi nthawiyo sizitha.
Tinganene kuti kuyambitsa DCEP ndi njira yolipirira yokha, koma njira yolipirira iyi iyenera kukhala yosavuta kuposa WeChat Pay ndi Alipay , koma sizingalowe m'malo mwa kulipira pafoni.
Kodi DCEP ikutanthauza chiyani?
- DCEP ndi ndalama ya digito, kutanthauza kusandutsa ndalama zanu zamabanki kukhala manambala, ndipo nambalayi imachitika kudzera mu ndalama za digito zomwe zili mu chikwama cha digito.
- Mofanana ndi kufunikira kogula ndi kugulitsa pakati pa mapepala a banki, pogwiritsa ntchito njira yobweretsera ndi dzanja limodzi, kukhazikitsidwa kwa DCEP kungalowe m'malo mwa ndalama za banki, zomwe zimatchedwa kupereka ndi dzanja limodzi.
- M'malo mwake, DCEP ndi yofanana m'chilengedwe ndi ndalama zamapepala.
Kodi banki yayikulu idzayambitsa DCEP kapena kusintha ndalama zamabanki? Kodi nthawi ya WeChat ndi Alipay idzatha?
Ubwino wa DCEP ndi chiyani?
Poyerekeza ndi malipiro amakono, DCEP ili ndi maubwino ambiri.
Kupatula apo, iyi ndi njira yolipira yomwe idayambitsidwa ndi banki yayikulu.
(1) Chitetezo champhamvu choyambitsidwa ndi kuthandizidwa mwachindunji ndi banki yayikulu; mosiyana ndi Alipay ndi WeChat Pay, zomwe zimathandizidwa ndi mabanki amalonda, zomwe zitha kulephera, chitetezo chili chochepa.
(2) Ndi yothandiza komanso yokwanira; iyi ndi mtundu wa ndalama za deta zomwe zimayambitsidwa ndi banki yayikulu, zofanana ndi mtengo wa ndalama zamapepala. Palibe wamalonda kapena munthu aliyense amene angakane kulandira malondawo, omwe ali ofanana ndi mtundu wa malonda a ndalama zamapepala;
(3) Kulipira ndikosavuta. Malinga ngati foni yanu ili ndi magetsi, chikwama cha digito chimayikidwa: malinga ngati mafoni onse awiri amatha kutumiza ndalama, palibe chifukwa cholumikizira kapena kulumikiza khadi la banki; chifukwa chake, mutha kulipira madera akutali amapiri kapena malo opanda intaneti.
Malipiro a DCEP ndi njira yopititsira patsogolo mtsogolo
Banki yayikulu idakhazikitsa DCEP kuti ingopatsa aliyense njira zolipirira, ndipo sizingalowe m'malo mwa WeChat ndi Alipay kulipira mafoni.
Kulipira kwa DCEP ndi njira yokhayo yopititsira patsogolo mtsogolo komanso kumatanthauza kupita patsogolo kwaukadaulo.
Zofanana ndi zomwe zidachitika m'mbuyomu, kugulitsa uku ndikugulitsa ndalama zapa banki, zomwe zitha kugwiritsidwa ntchito kudzera pakusintha kwa mtengo wa POS. Malipiro a DCEP tsopano akuyatsidwa kudzera pa mafoni am'manja, WeChat ndi Alipay.
Pambuyo pa kukhazikitsidwa kwa njira zolipirira izi, zitha kugwiritsidwanso ntchito potengera ndalama, kubweza khadi la POS, kusinthana kwa ma code a WeChat kapena Alipay, ndi zina zambiri, ndipo kuyambira pomwe banki yayikulu idakhazikitsa DCEP, uku ndikungokweza ndalama zamafoni, osati chabe m'malo wathunthu.
- Malinga ndi kulingalira mwachizolowezi, makadi a POS sanathe kuthetseratu kugulitsa ndalama, ndiyeno kutuluka kwa Alipay ndi WeChat kulipira sikunathetseretu kusuntha kwa khadi la POS.
- Mofananamo, malipiro a banki apakati a DCEP sadzatha WeChat ndi malipiro a mafoni a 00-1;
- Zitha kunenedwa kuti radish amadyera ali ndi zokonda zawo.Mumakonda kulipira mwanjira iliyonse, koma aliyense ayenera kusankha kugulitsa m'njira yabwino.
Tikukhulupirira kuti nkhani yakuti "Kodi Alipay ndi WeChat Pay zidzakhudzidwa ndi kutulutsidwa kwa ndalama za digito ndi banki yayikulu mu 2019?" yomwe yagawidwa pa blog ya Chen Weiliang ( https://www.chenweiliang.com/ ) idzakuthandizani.
Khalani omasuka kugawana ulalo wa nkhaniyi: https://www.chenweiliang.com/cwl-15887.html