Ngaba i-Alipay kunye ne-WeChat Pay ziya kuchaphazeleka xa ibhanki ephakathi ikhupha imali yedijithali ngo-2019?

I-DCEP (imali yedijithali) ekhutshwe yibhanki ephakathi inokuthatha indawo ye-banknotes, kodwa i-WeChat kunye nexesha aliyi kuphela.

Kunokuthiwa kuphela ukuba ukuqaliswa kwe-DCEP yindlela yokuhlawula nje, kodwa le ndlela yokuhlawula kufuneka ibe: umlinganiselo wentlawulo.WeChat HlawulaKunye kunyeAlipayIlungele ngakumbi, kodwa ayinakuthatha indawo ngokupheleleyo iintlawulo zeselfowuni.

Ithetha ukuthini i-DCEP?

• I-DCEP yimali yedijithali, oku kuthetha ukuguqula imali yakho yephepha ibe yinombolo, kwaye loo nombolo yenziwa ngemali yedijithali kwi-wallet yedijithali.
• Ngokufana nesidingo sokuthenga nokuthengisa phakathi kwamanqaku ebhanki, indlela yokuhanjiswa kwesandla esisodwa iyamkelwa, kwaye ukuqaliswa kwe-DCEP kunokutshintsha ngokupheleleyo ii-banknotes, isandla esinye sibizwa ngokuba yi-one-handed delivery.
• Ngapha koko, ubume be-DCEP buyafana naleyo yemali engamaphepha.

Ngaba ibhanki ephakathi iya kuzisa i-DCEP okanye ithathe indawo yemali yamaphepha emveli, kwaye ngaba ixesha le-WeChat kunye ne-Alipay liya kuphela?

Zeziphi izinto eziluncedo ze-DCEP?

I-DCEP inazo iingenelo ezininzi kwiintlawulo zangoku eziphathwayo.

Ngapha koko, le yindlela yokuhlawula eyaziswa yibhanki ephakathi.Nangona ineenzuzo, izibonelelo zeDCEP zibonakaliswa ikakhulu kule miba ilandelayo:

(1) Ukhuseleko oluphezulu oluqaliswe yibhanki enguvimba kwaye luxhaswa ngokuthe ngqo yibhanki enguvimba;Ngokungafaniyo ne-Alipay kunye ne-WeChat Pay, emva kweebhanki zorhwebo, iibhanki zorhwebo zinokuthi zingaphumeleli.ukhuseleko oluphantsi ngokwentelekiso;

(2) Umphumo ulungile kwaye ubanzi;Le yimali yedatha eyaziswa yibhanki ephakathi, efana nexabiso lemali yephepha.Akukho mrhwebi okanye umntu onokwala ukwamkela intengiselwano, efana nendalo kwintengiselwano yemali yephepha;

(3) Intlawulo ilungile, okoko nje ifowuni yakho inombane, i-wallet yedijithali ifakiwe:Ngethuba nje zombini iifowuni zinokudlulisela imali, akukho mfuneko yokudibanisa okanye ukubopha ikhadi lebhanki; ngoko ke, kunokwenzeka ukuhlawula iindawo ezikude zeentaba okanye iindawo ngaphandle kwe-intanethi.

Iintlawulo ze-DCEP yindlela yokuphucula kwixesha elizayo

Ibhanki ephakathi yasungula i-DCEP ukunika wonke umntu iindlela zokuhlawula ngakumbi, kwaye ayiyi kuthatha indawo ye-WeChat kunye ne-Alipay yeentlawulo zeselula.

Intlawulo ye-DCEP yindlela nje enye yokuphucula kwixesha elizayo, kwaye oko kuthetha ukuqhubela phambili kobuchwepheshe.

Ngokufana nentengiselwano yangaphambili, le ntengiselwano ngokupheleleyo yintengiselwano yemali engamaphepha, enokuthi ke isetyenziswe ngokugqithiselwa kwexabiso le-POS.Ngeentlawulo zeselula, i-WeChat kunye ne-Alipay, iintlawulo ze-DCEP ngoku ziyasebenza.

Emva kokuqaliswa kwezi ndlela zentlawulo, zingasetyenziselwa ukuthengiselana ngemali, ukutshintshela ikhadi le-POS lokuswayipha, i-WeChat okanye i-Alipay scan transactions ikhowudi, njl. nje ukutshintshwa okupheleleyo.

• Ngokwendlela yokuqiqa eqhelekileyo, amakhadi e-POS awazange aphelise ngokupheleleyo ukuthengiselana ngemali, emva koko intlawulo ye-Alipay kunye ne-WeChat yavela, kwaye ukuswayipha kwekhadi le-POS akuzange kuphele ngokupheleleyo.
• Ngokufanayo, intlawulo ye-DCEP yebhanki ephakathi ayiyi kuphelisa intlawulo yeselula ye-WeChat kunye ne-00-1;
• Kunokuthiwa kuphela ukuba imifuno yeradish inezinto ezizithandayo, uthanda ukuhlawula ngayo nayiphi na indlela, kodwa wonke umntu kufuneka akhethe indlela efanelekileyo yokuthengisa.