Iyini i-euro yedijithali? Umehluko nge-euro ebonakalayo

I-euro yedijithali isiphakamiso esidala inkulumompikiswano enkulu eYurophu. Lesi sinyathelo se- IBhange Elikhulu LaseYurophu (i-ECB) ifuna ukwenza imali yomphakathi ibe yidijithali, inikeze enye imali nezindlela zokukhokha zamanje. Njengoba i-ECB iqhubekela phambili nentuthuko yayo, kuphakama imibuzo mayelana nobumfihlo, ukwenganyelwa kwezimali, kanye nomthelela ekubhangeni okuvamile.

Kulesi sihloko, sizobheka ngokujulile ukuthi kuyini i-euro yedijithali, izosebenza kanjani, inamiphi imithelela emnothweni nokuthi yini izinzuzo kanye nokukhathazeka iphakamisa ukuqaliswa kwayo. Sizophinde sihlole ukusabela kwezakhamizi nongoti, kanye nendlela lolu hlelo oluthatha ngayo emhlabeni jikelele.

Iyini i-euro yedijithali?

I-euro yedijithali yi-a imali kagesi ezokhishwa yi-European Central Bank. Yethulwa njengendlela yedijithali yemali, evumela izakhamuzi zendawo ye-euro ukuba zenze izinkokhelo ze-elekthronikhi ngaphandle kwesidingo sabalamuli.

Ngokungafani ne- ama-cryptocurrenciesI-euro yedijithali izosekelwa futhi iphathwe yi-ECB, iqinisekise ukuzinza nokwamukelwa kwayo kuyo yonke i-European Union. Inhloso yawo ukunikeza a indlela yokukhokha evikelekile, iyafinyeleleka futhi yamukelwe emhlabeni wonke ezitolo ezibonakalayo, ezitolo ze-inthanethi kanye naphakathi kwabantu.

I-ECB ithi ukuguqulwa kwedijithali kushintshe indlela abantu abaphatha ngayo imali yabo futhi benze izinkokhelo. Phakathi kweziyinhloko Izizathu zokuthuthukisa i-euro yedijithali ziyi:

• Ukunciphisa ukusetshenziswa kwemali: Abantu abaningi kanye namabhizinisi bakhetha ukukhokha ngedijithali, okuholele ekwandeni kwamanothi nezinhlamvu zemali ezimbalwa.
• Ukuvikeleka okukhulu nokuqina: I-euro yedijithali ifuna ukuba enye indlela eqinile yokuhlasela kwe-inthanethi nokwehluleka kwezobuchwepheshe.
• Ukufakwa kwezezimali: Kuzovumela abantu abangenawo ama-akhawunti asebhange ukuthi basebenzise indlela yokukhokha yedijithali.
• Ukunciphisa ukuthembela kubahlinzeki abangebona abaseYurophu: Ukuthengiselana okuningi kwe-elekthronikhi eYurophu kuncike ezinkampanini zakwamanye amazwe njenge-Visa noma i-Mastercard.

Izosebenza kanjani i-euro yedijithali?

I-ECB iveze ukuthi i-euro yedijithali izoba iyatholakala kokubili ku-inthanethi futhi ungaxhunyiwe ku-inthanethi. Ukuqaliswa kwayo kuzokwenziwa ngama-wallet edijithali izakhamuzi ezingawaphatha ngamadivaysi azo eselula noma amakhadi aphathekayo.

Nansi eminye imininingwane ebalulekile yokuthi isebenza kanjani:

• Abasebenzisi bazokwazi ukudala a digital euro isikhwama ngezinhlangano ibhange noma amasevisi aqokiwe.
• I Izinkokhelo zizoba ngokushesha futhi azikhomishini ekusetshenzisweni kwayo okuyisisekelo.
• I-euro yedijithali ingasetshenziswa ku izitolo ezibonakalayo, i-e-commerce ngisho naphakathi kwabantu ngabanye.
• Ukuthengiselana okungaxhunyiwe ku-inthanethi kuzoqinisekisa izinga eliphezulu ubumfihlo.

Ukwethulwa kwe-euro yedijithali kuye kwaphakamisa ukukhathazeka e ibhange lendabuko, njengoba izakhamuzi zingakhetha ukugcina imali yazo ngokuqondile kwa-ECB esikhundleni samabhange okuhweba. Ukuze ugweme indiza enkulu yamadiphozithi, ithuba lokusungula imikhawulo enanini lama-euro edijithali ukuthi umsebenzisi angaba nayo.

I-Digital Euro vs. Physical Euro

Lona omunye umehluko omkhulu okufanele ugqanyiswe phakathi kwe-euro yedijithali ne-euro njengoba besazi kuze kube manje:

• Imvelo nefomethi: Eyokuqala ayikho ngendlela yezikweletu noma zemali, kuphela ngefomethi yedijithali.
• Sebenzisa futhi ufinyeleleI-euro yedijithali ingasetshenziswa ngezikhwama zikagesi, izinhlelo zokusebenza zeselula, namakhadi, ngaphandle kwesidingo se-akhawunti yasebhange evamile. Eyangempela incike kuma-ATM noma amabhange ngokusatshalaliswa kwayo.
• Ukulawulwa kokukhishwa kwegesiKokubili kuzokhishwa futhi kulawulwe ngokuqondile yi-European Central Bank, kodwa esimweni se-euro ebonakalayo, ukusakazwa kwayo kuncike emabhange okuhweba kanye nesidingo semali.
• Okwenziwayo nokulandelekaI-euro yedijithali izonika amandla izinkokhelo ezisheshayo futhi inikeze ukulandeleka okukhulu. Ngakolunye uhlangothi, okwenziwa ngemali ayaziwa futhi akushiyi mzila wedijithali.
• Ukuphepha kanye nezingoziInguqulo yedijithali ye-euro izohlinzeka ngokuvikeleka ekukhwabaniseni nasekuntshontsheni ngokomzimba, nakuba ingase ibe sengozini yokuhlaselwa ku-inthanethi noma ezinkingeni zobuchwepheshe. Le ngozi ayikho endabeni ye-Euro engokwenyama, nakuba futhi isengozini yokweba kanye nenkohliso.
• Ukufakwa kwezezimaliI-euro yedijithali izokwenza kube lula ukufinyelela emalini ezindaweni ezinengqalasizinda yamabhange elinganiselwe, kuyilapho imali ebonakalayo iyohlala iyinketho efinyeleleka kakhulu kubantu abanamakhono amancane edijithali.

Ubumfihlo nokulawulwa kwezezimali

Enye yezimpikiswano ezishubile ezungeze i-euro yedijithali yile ubumfihlo. Yize i-ECB iqinisekise ukuthi ukwakheka kwayo kuzohlonipha ukungaziwa ezinkokhelweni ezingaxhunyiwe ku-inthanethi, Abantu abaningi besaba ukuthi uhulumeni angakwazi ukulandelela konke ukuthengiselana.

Ngaphezu kwalokho, abanye abagxeki baphikisa ngokuthi uhlelo lwedijithali ngokugcwele lungavumela amabhlokhi noma imingcele ekufinyeleleni kwezakhamizi imali, itimu ehambisana nezinqubomgomo ezintsha ze-Meta kanye nemithelela yazo kubumfihlo bedijithali.

 

I-euro yedijithali ayiyona imali yokuqala yedijithali ekhishwe ibhange elikhulu. Nokho, imodeli yaseYurophu ifuna ukuba inketho okungeziwe ukuthola imali hhayi enye into. Naphezu kwalokhu, ucwaningo lwakamuva lubonisa lokho Iphesenti eliphezulu lezakhamuzi zaseYurophu aliyethembi i-euro yedijithali. Ngokwesibonelo, eSpain naseJalimane, ukheshi usalokhu uyindlela yokukhokha ethandwayo, futhi abaningi besaba ukuthi uhlobo lwemali olusha luyisinyathelo sokukhokha. ukususwa kwemali ebonakalayo.

Ikusasa le-euro yedijithali

I-euro yedijithali okwamanje isesigabeni sokulungiselela, kanti ukuhlolwa kwenzeka ezikhungweni zezimali ezikhethiwe. Ukukhishwa kwayo kokugcina kuhlelelwe ukuphela kuka-2025, nakuba kuzoncika ekugunyazweni kwezikhungo zaseYurophu. Lokhu kuthuthuka kuyingxenye yomzamo obanzi wokwenza okwenziwayo kube yidijithali.

I-euro yedijithali iwuhlelo olufuna ukulungisa uhlelo lwezimali lwase-Europe ukuze lube nesikhathi sedijithali. Nakuba liyathembisa izinzuzo Njengoba ukwanda kokufinyeleleka nokuvikeleka ezinkokhelweni zedijithali nakho kubangela izinselele ezibalulekile mayelana nobumfihlo nokulawulwa kwezimali. Njengoba iphrojekthi iqhubeka, ukhiye kuzoba ukuthola ibhalansi phakathi kokusungula namalungelo ezakhamizi.