Tsarin “Cashless” Da Hanyoyin Inganta Shi a Najeriya (7)

Masu Ruwa da Tsaki a Tsarin “Cashless”

Bayan tsarin hada-hadar kuɗi ta Intanet (Internet Banking) da dokar CBN ya bai wa bankunan kasuwanci, daga cikin hanyoyin da suke amfani dasu wajen aiwatar da tsarin dai har wa yau akwai:

Tsarin Aika Kuɗi Kai-Tsaye (Direct Debit)

Daga cikin tsare-tsaren da bankin CBN ya aiwatarwa wajen tafiyar da tsarin “Cashless” ta hanyar bankunan kasuwanci da kamfanonin hada-hadar kuɗaɗe dai akwai tsarin aika da kuɗi kai-tsaye, ko ga wani asusu na musamman, ko don biyan wasu kuɗaɗe na hidima ko haja da mutum ke saya ko biya lokaci-lokaci.  Wannan shi ake kira “Direct Debit”, wanda bankuna da shafukan Intanet masu rajista ke amfani da shi don bai wa mutane damar biyan kuɗaɗen wasu hidimomi da ake musu lokaci-lokaci, kai tsaye.  Misali, idan ka saba biyan kuɗin tauraron ɗan adam na DSTV da kake amfani dashi a gidan a duk wata ne, kana iya amfani da bankinka ko ka saukar da manhajar kamfanin Multichoice (masu DSTV kenan), don riƙa biyan kuɗin duk wata, ba sai ka je ofishinsu ka biya da kati ko takardun kuɗi ba.

Haka nan, da wannan tsari kana iya biyan kuɗaɗe ta hanyar umarni ga bankinka, ta yadda da zarar lokaci yayi, sai dai ka saƙo daga banki an cire kaza daga asusunka don biyan abu kaza.  Misali, na sayi manhajar Microsoft 365 na kamfanin Microsoft, wanda a duk wata ina biyan kuɗin wannan hidima ga kamfanin Microsoft.  Don taƙaita min ɗawainiya, katina kawai na ɗora a shafinsu, da zarar lokacin biyan kuɗin yayi, sai dai kawai inga saƙo daga kamfanin Microsoft cewa sun cire kaza saboda hidima kaza.  Bayan kwana ɗaya kuma inga saƙo daga bankina kan wannan hidima.  Haka ma abin yake ga shafin TASKAR BABAN SADIƘ.  Bayan su, akwai abubuwa da dama da nake amfani da wannan tsari na “Direct Debit” don biyansu.

Wannan tsari na Aika Kuɗi Kai-Tsaye, wato “Direct Debit”, na cikin hanyoyin da bankin CBN ke amfani dasu wajen aiwatar da wannan tsari na “Cashless” a Najeriya.

Amfani da Fasahar USSD

Daga cikin hanyoyin da bankin CBN ya bai wa bankunan kasuwanci damar amfani dasu wajen kusantar da tsarin “Cashless” a Najeriya dai akwai amfani da fasahar USSD, wanda hanya ce ta amfani da wasu lambobi na musamman da ake shigar dasu a wayar salula don aiwatar aikawa da karɓan kuɗaɗe tsakanin mutane da kamfanoni ko hukumomi a Najeriya.  Kowane banki na da nasa lambobin da suka keɓance shi.  Kusan komai kana iya yi da waɗannan lambobi; daga buɗe taskar ajiya a banki, zuwa aika kuɗi ga taskar bankin da kake ajiya, ko wani bankin daban, zuwa duba balas, da sayan katin waya na layinka dake da rajista a bankin, zuwa wanda za ka iya sa wa wani ko wasu, duk kana iya amfani da wannan tsari ko fasaha na USSD don aiwatarwa.

Fasahar USSD dai nau’i ne na hanyar hada-hadar kuɗi da ya shafi alaƙa tsakanin bankunan kasuwanci, da kamfanonin hada-hadar kuɗi masu lasisi da bankin CBN, da Kamfanin Dillancin Hada-Hadar Kuɗi, wato “NIBSS”, da kuma kamfanin Interswitch, wanda ke aikin rarraba kuɗaɗen da ake cira tsakanin bankuna.  A ɗaya ɓangaren kuma akwai kamfanonin wayar salula waɗanda ke samar da tsarin sadarwa da taimakawa wajen aika saƙonnin hada-hadar dake gudanuwa tsakanin waɗancan ɓangarori da bayaninsu ya gabata a baya kaɗan.

Amfani da fasahar USSD ya taimaka wa mutane matuƙa wajen aiwatar da hada-hadar kuɗi cikin sauƙi.  Misali, wajen yin tiransfa, da sayan katin waya da dai sauransu.  Dama ce ga waɗanda ba su da babbar wayar salula wajen iya aiwatar da hada-hadar kuɗi cikin sauƙi.  Masu manyan wayoyi kuma na iya amfani da tsarin “Internet Banking”, wanda ya ƙunshi amfani da shafin Intanet ɗin banki ko manhajar wayar salularsa kai-tsaye.

Wannan tsari ko fasaha ta USSD, na cikin hanyoyi masu sauƙi da bankin CBN ya samar, ta hanyar bankunan kasuwanci, don taimakawa wajen aiwatar da tsarin “Cashless” a Najeriya.

Samar da Kuɗin eNaira Daga CBN

Abu na baya-bayan nan da bankin CBN yayi shi ne samar da nau’in kuɗin Intanet mai suna eNaira.  Idan masu karatu basu mance ba dai, mun yi bayani mai gamsarwa kan wannan nau’in kuɗi a baya sadda aka ƙaddamar dashi.  Daga cikin manufar ɓullo da wannan nau’in kuɗi akwai tsarin “Cashless” a ciki.  Domin dama ce aka bai wa masu taskar ajiya a banki wajen aiwatar da hada-hadar kuɗi ta amfani da nau’ukan kuɗaɗen zamani da ake aikawa da karɓa a kafofin sadarwa na zamani. Nau’in kuɗin eNaira dai, kamar yadda muka bayyana a baya, yana nau’ukan kuɗaɗen da ake kira: “Central Bank Digital Currency” (CBDC), wanda nau’i ne na “Stable Coins”.  Idan kana da naira miliyan ɗaya a taskar ajiyarka ta banki, kuma kayi rajista ta manhajar eNaira, kana iya aika kuɗin cikin taskarka ta eNaira kuma ka gudanar da hada-hadar kasuwanci ko cinikayya a kafafen sadarwa na zamani a duniya.

Samar da nau’in kuɗi na eNaira, tare da manhajar da ake rajista cikin sauƙi akanta, na cikin hanyoyin da bankin CBN yake amfani dasu, don aiwatar da tsarin “Cashless” a Najeriya.