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sengathi Amabhange

Okubizwa ngokuthi Ica yasebhange akulona ebhange langempela, futhi ngeke ube naso noma. Kungokufanayo uya Coop uzakwabo.

Ikhadi lasebhange nekhompyutha.


Av CashOnly
måndag, 14 oktober 2019 19:09
Bok/Följetong

Amabhange umthwalo wemfanelo lapho izitolo zokudla zisebenza imisebenzi njengoba "amagatsha". Ukuhweba ophoqelelwe Angera umnikazi ngaphandle kokuthola isinxephezelo noma ngenxa kwengozi noma izindleko anda. Amabhange ukuzithethelela amagatsha asebhange kuyoba ephephile ngaleyo ndlela. What bengaqondile ukusho ukuthi incane iphephile kuwo wonke umuntu ngaphandle amabhange ngokwabo. Ayikho enye inkampani njengaye, babe nobugovu namabhange. Ihhovisi Bank kuphephile kakhulu ukwedlula ezitolo. Ngaphezu kwalokho, ngamacala okuphanga amabhangi uyayenza yingxenye encane kuphela nezingcwecwana Imininingwane. Esitatimendeni 2011 wabonisa ukuthi ngamacala okuphanga amabhangi zaba kuphela engaphezudlwana nje kwemihlanu amaphesenti zonke izigameko zokubamba inkunzi uzibophezele ezitolo kanye namabhange. Namuhla ubuye imali yokusingatha njengoba ephephile imali yokuphatha ngezandla amabhange ukuthi umkhuba akunakwenzeka ukuba benze ibhange nokuphanga.

Okubizwa ngokuthi Ica yasebhange akulona ebhange langempela, futhi ngeke ube naso noma. Kungokufanayo uya Coop uzakwabo.

Abanalo amagatsha futhi "amacala yasebhange" badutshulwe esimweni okubi kuphela Internet noma ngocingo. Nakuba IKEA inezidingo okuthiwa yasebhange yayo. Bobabili ICA kanye IKEA futhi ukukhipha siqu credit card abo. Izibonelo izinkampani ezinkulu Swedish uthole amandla phezu izinhlelo zokukhokha. Amakhasimende ngezinye izikhathi cishe ncengani ukuthola ukheshi ngokwanele, isibonelo, Formica zokubala. Kuyinto futhi ukuthola imali ngaphandle amakhadi.

Lo mkhuba ukuthi kufanele ngokuthi sengathi amabhange lapho, isibonelo, izinkampani zomshwalense kanye enkulu ngamaketanga ibhizinisi usebenza njengoba amabhange waqala ngemva ngenkinga yezimali ngo-90 ngenkathi umkhakha lesikweletu deregulated. I isiqinisekiso ibhange lombuso oko futhi lezi zinkampani. Lokhu Ukususwa kwemibandela ekukhangiseni kwaba ukuthi ezinye liberalizing inhloso ayilungile ukwandisa mncintiswano. Umncintiswano esikhundleni nokusimama kwezomnotho nokuhleleka. Bobabili ICA kanye ikhadi Coop sika naso ekuqaleni ayengenawo umshwalense idiphozi futhi kwakuhlobene ukonga okuthiwa amabhange. Amakhadi ubengase ingasetshenziswa ezitolo zabo.

ICA Bank izinze e Solna, Sweden, futhi wathola isimo ibhange ngo-2001 ICA ibhodi wafika ngo-1990 ICA Bank bafike endaweni by ICA Customer bamane bashintsha igama layo ICA Bank. Ibonisa kahle kakhulu Formica nenkanuko edlulele ekhadini. Ingxenye imisebenzi le ATM. Ica bekhohliswa amakhasimende amaningi kusukela amabhange okuhleliwe by idiphozi ophahleni 15,000 uyekwa nokuthi ephakeme zenzalo. Nge Formica Kwemali Plus Isaphulelo unikezwa on ukuthenga izikweletu angase ikhokhwe nge-Internet nalo. MedMera Bank atholwe isimo yasebhange 2007. okulingana Ica ikhadi ngokuthi MedMera ikhadi futhi angasetshenziswa njengoba ikhadi lesikweletu.

Kukhona kusimo enkulu ukuba ezinye izinkampani hhayi amabhange anikezwe isimo amabhange. Ngokuvamile, uma kunokwenzeka, ngisho nangaphezu kokubhema cashless cashless amabhange. Uma ehlukile is zokukhangisa for Internet Banking, e -Proof ukuhlonza futhi ukhokhe izikweletu ku-inthanethi futhi nethonya ezonakele. Ngokwesibonelo, bonisa indlela "ukuthi kungaba lula kanjani ukuqeda izikweletu eposini" lapho esikhundleni siyasebenza. Zifakwe ezinye ekuphileni kwansuku zonke, kungase kuzwakale sengathi lokhu.

"Cabanga indlela elula ukuthi kungaba ukushiya imoto ekhaya ukuya emsebenzini esikhundleni"

(Kuhle futhi unempilo ukuya emsebenzini kodwa nakanjani ungakhululekile)

"Khumbula ukugwema Umshini wokuwasha izitsha ungakhululekile lapho ugeza izitsha ngesandla"

"Maningabizwa futhi ugweme umshini wokuwasha, ugeze ngenduku sokhuni kubhavu"

Lena zokukhwabanisa kwezilimi ukukhangisa-rate nokuhlukile sibi ulimi counterintuitive of inoveli Orwell sika-1984 Ukuze bathi umuntu kuyasebenza futhi elula kuzokuhlupha futhi ngeke usebenze.

nasemuva ngokugcwele. Ekhuluma e-ama-ID ukuthi zisetshenziselwa okuningi ku-intanethi njengoba benjalo nalabo ezihlobene amacala amabi kakhulu. Inani osomabhizinisi ehola abavezwe lokukhwabanisa izigidi lapho esetshenziswa e-ama-ID kusukela Telia IsiSwidi Tax Agency kanye ezinye izinkampani.

Kungakhathaliseki ukuthi ungcono abantu abaningi uthole kuba akhawunti yasebhange barskrapat ekupheleni kwenyanga ukuthi kuza. Ungakwazi kalula londoloza okungenani kancane imali inyanga ngayinye, ngisho labo isethi ezimbi. Kungakhathaliseki ukuthi abampofu wena ukuze ukwazi lahlani $ 100 ngenyanga kuze kube sesikhashana ku inombolo encane amadola angamakhulu ukusebenzisa. Nale sesikhashana akudingeki ihlolwe njalo ingakanani kusala kule akhawunti. Igcina namarisidi incwadi elula imali ubala uma waphindela emuva. Khetha ibhange yangempela futhi ube sesikhashana encane esikhundleni njalo ngibheka akhawunti yasebhange ye-intanethi noma irisidi kusukela ATM.

Amabhange ukuthi kukhona kakhulu sengathi bahlanzekile amabhange cashless Inthanethi. Ngokuphathelene ubugebengu bekulokhu ashintsha kusuka okumsulwa ubugebengu lesikweletu ukuze amacala ahlobene intanethi yebhange. Kodwa kungcono ngokuvamile hhayi ukuthi yasebhange bavezwa ubugebengu. izinhlelo Nasty ngokuthi Trojans bangasiza ngobudedengu ngesinyenyela singene ikhompyutha yomsebenzisi. Basebenza ngemuva futhi ithumela iphasiwedi iseva ikhompyutha. isidingo Criminal kulokhu ngisho zithinta ngokwabo nge inkohliso credit cards. Lobu bugebengu kungathatha indawo usebenzisa ngokuphelele ikhompyutha ezishintshayo kodwa futhi kusho ukuthi kulula ukuthola iminonjana ke. Kodwa ngisho Kulokhu kukhona abantu kangaka okuthiwa onozinti kulokhu inika akhawunti yakhe ukuze zisetshenziswe lobugebengu.

Kuyinto ngokuvamile izigebengu credit card nabo abaye baqhubeka ukwenza yasebhange ubugebengu inthanethi. Isibonelo iThrojani kuyinto Ukufa A311 futhi ngokuthi Haxdoor. Trojans ukusakaza nge e-mail. Banking ikhasi lokungena ngemvume elihlobene ne iThrojani is ngakho ngobuqili yakhelwe ukuthi mehluko kufanele ukubonwa ngokumelene yangempela. Inani elikhulu kakhulu kwemali kungasetjentiswa ikhishwe akhawunti akakhohliswanga ukuthengwa yimuphi umkhiqizo ku-intanethi. Trojans zidayiswa ku-inthanethi futhi kungabangwa isizumbulu semali okumele ehambisana ivumelane ebhange ethile. Zonke amabhange Swedish ezine eziyinhloko ziye ahlasela ngesihluku.

Välj Handelsbanken. Bojkotta bankomaterna. Det är vettigt att byta till Handelsbanken inte bara för privatpersoner utan även för företag. Företagen har gett Swedbank och Nordea bottenbetyg medan Handelsbanken blev årets affärsbank. Sämst etiska betyg fick en annan gång den mycket kontantlösa Danske Bank. Jag tycker om både Danmark och danskarna men banken borde man slänga tillbaka över sundet eller varför inte slänga den i sundet. Det är också en låtsasbank.

(På tal om Ica så fick jag en dag reda på att de börjat med ett speciellt kontaktlöst kort med vilket man kan köpa för mindre belopp. Kontantlösheten erövrar mark. Det gjorde mig ännu mer motiverad och engagerad att skriva på boken.)

Riksbanken ljuger och släpper kontrollen

Ibhange kuphela okungukuthi ngamaphesenti ayikhulu iyona Swedish Riksbank. Kuwebhusayithi yayo ungafunda, Nokho mhlawumbe amanga enkulu esiye eyabhalwa iyiphi Swedish State.

"The National Bank akanakho ukuphatha phezu imali kangakanani esetshenziswa umphakathi, kodwa ilawulwa funa umphakathi."

kufanele yasebhange amabhange 'Lapho ukuthatha ukuqinisekisa ukuthi lonke amabhange kanye nomphakathi ivumela umphakathi ukuze ubone ukuthi ingakanani imali ofuna ukuyisebenzisa umthwalo kanye izinyathelo kanye nezinqubo. Ilungelo lokusebenzisa imali, ngokusho Umeluleki Jikelele we-National Bank "zokuvumela noma yini, kunokuba ngokuphelele." Lokhu kusho practice kuyaqondakala Swedish elandelayo. Lapho-ke ngaphandle esitolo uthi "cha imali" ukuze umthengi ongene i kontantlöshet sivumelwano lapho esitolo. Ilungelo lokusebenzisa imali ngaleyo ndlela cishe nezisini ngokuphelele.

Eyokuqala kwadingeka Riksbank kuphela unesibopho nokuphathwa kwezimali. In the 80s and 90s balandela ukuhleleka kahle (funda abanokukhubazeka) phakathi kwezinye izinto okwaholela kuvalwe ihhovisi le likahulumeni. Sekuyiminyaka engaba ngu-yayikhona inkampani ezintweni ezingenza ukugxila nenzuzo kanye izindleko imali. Lalibizwa ngokuthi Imali e-Sweden (PSAB). Inkampani waba fiasco zezimali futhi lavalwa ngo 2004. Kwabe sekufika zamanje uhlelo deregulated. Izinqumo kulesi simiso deregulated elisuka ku Executive Board. I Riksbank kwadingeka manje yingxenye encane kuphela idatha sangaphambilini okuyinto elaliphethwe Amahhovisi ezimbili Tumba futhi Mölndal. Kwanqunywa ngo-2013 ukuhambisa imisebenzi ukuze ihhovisi elilodwa e Broby ngubani kuphela ukuphatha imali yamaphepha. ukuphathwa uhlamvu Okugcwele eyabizwa run by inkampani yangasese.

Ngaphansi soMthetho, Riksbank kufanele "ukukhuthaza izinkokhelo okuyikho kanye obhekene nokuhlinzekwa euro amanothi zemali." Kufanele yini sithathe lokho ngokoqobo kufanele esikhundleni Riksbank Ubhale le ncwadi ngesikhathi ngakwazi "amanga ku-hammock." Uyazibuza lapho sizobe uthole alinganayo share yangasese ibhange elikhulu nohlobo Sweden US Federal Reserve?

Okuningi mayelana ubuzenzisi le Riksbank sika izinganekwane futhi aliziphikisi

Okunye amabhange amakhulu kuka-Swedish ube ucwaningo luye lwabonisa ukuthi imali ingenye yezindlela eshibhe ukukhokhela kokubili abantu ziqu kanye nezinhlangano. Ngaphezu ukukhwabanisa electronic ingaphezu imali nokukhwabanisa. Ezokuphepha Ezokuthutha Inhlangano Esta (European Ezokuphepha Ezokuthutha Association) kakade wabonisa eminyakeni eminingana edlule ukuthi engenamali indlela ethandwa kakhulu futhi evikelekile yokukhokha eYurophu. Esta ngaphambilini isifundo ukubhekana amabhange nezinhlangano zamakhadi credit card ababefuna abeke kontantlöshet Imininingwane. Izibalo zikhombe ukuthi kontantlöshet Imininingwane wayesehlasela entandweni yabantu futhi ngaba nomuzwa wokuthi abantu ngokwabo angakhetha ukuthi bafuna akhokhe.

I Riksbank uye okhethe ukugxila kakhulu ngengqalasizinda nobuchwepheshe esikhundleni yokuvikela. Ukuvikelwa Umthengi esikhundleni idluliselwe le kontantlösfanatiska FSA. Ngakho Abathengi abanaso nhlobo isivikelo ngokuya imali. Kunjengokungathi impisi ayelifundiswe ukuyokudla izithakazelo Red Riding Hood sika. Izimpisi babe kuphela nezinzuzo zazo siqu engqondweni.

Kunezizathu ezimbili ezibalulekile ukufunda kuwebhusayithi Riksbank sika. Okokuqala, ungafunda uhlelo yemali by ukuhlolwa amaqiniso luyingxenye inhloso kanye provable. Okokugcina, umuntu angabona ngokucacile indlela Riksbank ikhuthaza izinketho cashless phambi imali. Lapha umuntu angathola ubuzenzisi omkhulu kunayo yonke emlandweni Swedish. Isibonelo kubaluleke kakhulu wukuthi kungcono Riksbank futhi akekho omunye umuntu uye wanquma ukuvala phansi

ukheshe imali. Ake uphinde mazwi Riksbank sika kusukela esigabeni sangaphambilini ukucacisa akuzenzisi "ukuma kokungathathi-hlangothi" yebhange.

"The National Bank akanakho ukuphatha phezu imali kangakanani esetshenziswa umphakathi, kodwa ilawulwa funa umphakathi."

On uhulumeni Alliance esimisiwe Governor Stefan Ingves aphakanyisiwe ngembaba ukuthi amacala ku-ATM Ukuzihoxisa ngabe ukunciphisa ukusetshenziswa kwemali e-Sweden. Kuhlobana kanjani lokho isitatimende kanye ukungathathi hlangothi ngenhla? Wabonisa ukuthi umkhuba amabhange 'e kwamanye amazwe Nordic ngeke kuphela fee zokuqaleka ATM ukuhoxa ngaphandle amakhasimende abo zizehlisile ukusetshenziswa kwemali. Ukuba bakhokhe ukuze imali yabo akunangqondo. Kukhona yebo umbhali hhayi Ingves esiphethweni.

Ingves wakhuluma kaningi futhi ngokuzithandela uma CIT ukuphanga kabili eminyakeni eminingana kodwa akugwema futhi kokukhuluma labo elibi izuzwe esikweletu nawemali ukukhwabanisa Inthanethi. Ingabe nendawo? I Riksbank has eminyakeni ukubeka phambili umbono okungenangqondo ukuthi azimele ka ukuphathwa cash lwakhiwe ukuba "zishukumisa nokuncintisana okuthe xaxa futhi zokuthuthukisa umkhiqizo." ukucabanga obunjalo bungobabo emphakathini ibhizinisi futhi kungekho omunye core eziyisisekelo imisebenzi kakhulu umphakathi indlela. Kufanele mhlawumbe izinjini umlilo eziteshini umlilo ezahlukene ukusebenzisa ukuze uhambisane kuya imililo, nawe? Lesi siteshi isikhathi sokuqala ukhokhelwe kuyilapho abanye kuyoba yimali. I izinjini umlilo ubukele max.

Det kan nu vara på sin plats att gå djupare in på Riksbankens egentliga inställning genom att ordagrant citera från en uppsatsliknande skrift som är skriven av Björn Segendorf och Anna Wilbe som arbetar på bankens avdelning för finansiell stabilitet. Den heter 'Har kontanter någon framtid som lagligt betalningsmedel?'. Observera att författarna inte är några konsulter eller utomstående utan att det handlar om Riksbankens egen personal. Nu citaten.

"En slutsats av diskussionen är att en generellt bindande skyldighetför alla att acceptera kontanta betalningar inte torde främja ett säkert och effektivt betalningsväsende."

"I ukuqedwa cash isimo ithenda zomthetho kwakuyodingeka ngokugcwele izinto ezimbili eziwusizo. Okokuqala, umthetho siyobonisa kangcono ngokoqobo. Ngisho nanamuhla lapho kusala inkululeko ukuxoxisana ezivumelwaneni nazo, futhi ke kukhona nhlobo isibopho esihlala ukwamukela imali Okwesibili umthetho ayisekho, by ukusitheka zabo, ukuvimbela kancane kancane abadlali emakethe ukuzivumelanisa emakethe futhi nokwandisa izindleko zabo lezinkokhelo. "

"Ngokuhamba kwesikhathi, kunengqondo imali isimo eliyingqayizivele njengoba ithenda zomthetho liyaphela."

"Omunye ethile esobala umthetho ukuze isibopho esihlala ukwamukela cash ukuthi lubekelwe ukukhiya endaweni yokukhokha emisiwe njengoba emakethe kancane libonakala limayelana ukulahla."

"Ngenxa yalokhu, siyakholwa ukuthi zokuqinisa imali isimo ithenda zomthetho ayengahambisani kwenaba kohlelo lokukhokha ephephile futhi esebenza kahle."

Ukuphela izingcaphuno.

I kugcizelela zenziwa ngumlobi ukumaka zifana le Riksbank ethusayo inkampani utshalomali noma yimuphi omunye opharetha ezimele embonini. Wena bhala ukuthi umthetho kumele abonise ngokoqobo.

Iqiniso liwukuthi abanye ucwaningo luye lwabonisa ukuthi njengoba amaningi ayisishiyagalombili kweziyishumi abantu bafuna inqubo nokuphathwa kwezimali kuyokhula. Cash Isimo zomthetho kufanele esikhundleni ukuqiniswa. Umqondo "imakethe" ungaphakathi zonke izimo njengoba kanzima yambamba ukuthi abangane kid sika ngengqondo ehlezi esihlalweni angenalutho lokudlala. Imakethe ngabe ngokunengqondo kusho abathengi kodwa izwi limelela, ngokomthetho izinkampani ngeke.

Njengoba kucaca ukuthi iningi ufuna ukuphathwa cash ukwandisa kufanele ulalele iningi. Kodwa kubonakala sengathi indoda "imakethe" kunalokho kusho ibhizinisi. A ibhange elikhulu nohlobo akufanele futhi ube njengendoda inkampani ezezimali yangasese. A ibhange elikhulu nohlobo kufanele ibe umthwalo ngokujulile nomphakathi ukuthi izinkampani ezizimele kungaba ayisoze yakwazi ukuphila. Ngakho-ke, akufanele usebenzise ulimi okungokukaNkulunkulu engxenyeni ezimele. Lolu hlobo "yokuvala-e" ngesikhathi ukwamukelwa jikelele imali yiyona nto enhle kakhulu ukuthi kungenzekani Swedish uhlelo yemali.

Ngenxa ukuvela unikeza Bank has inketho kabanikezi ukheshe labo okulindeleke ukuba siqashelwe ngokomthetho saziso. Kodwa ungakwazi ngokucacile ukubona embhalweni lapho indlela Asondele. Cash semthethweni kalula kuyoqedwa indlela ngaphandle, izinkontileka kanye nezivumelwano. Nangu Riksbank ukuba alonde emakethe yokukhokha. Ngaphezu kwalokhu kwakunenkinga (akufanele sisetshenziselwe) imali kumele kube "omkhulu kangaka nomthelela

abantu abaningi emakethe liwohloka '(ukuze enze okuthile ngalo).

Lokhu kusho, ngokomthetho ukwenza ukuqhathanisa, ukuthi uma Russia eyohlasela Sweden has County kulencane esingenalungelo lokuyeka bavikela ngoba akuphazamisi abantu ngokwanele. Umphakathi uzama usulele Ukuvikelwa efanele ezifana anabambalwa ngokohlanga kusukela nokucwasa ezinjalo. Lokhu kwenzeka isibonelo namaphoyisa ezehlukene zikahulumeni. Kodwa lokhu kusebenza

Kubonakala kungenjalo "ukheshe esizweni esincane". Kulokhu kuba Riksbank uqobo ngokuthi "zobandlululo" noma uma ufuna yona nje ume futhi ngigqolozele alien waphenduka olunegazi futhi kuwele phansi ngaphandle ngisho ukubiza amaphoyisa noma i-ambulensi.

Riksbank ngokwalo lithi ngembaba ukuthi ayinikeli Ukuvikelwa ngamakhasimende kanye maqembu abuthakathaka (ngokuya ukusetshenziswa kwemali). La maqembu indiva ngokuphelele yibhange wobushiqela. Bathi embalwa nje ukuze bakwazi ukukhokha ukheshi khona ukhetho cashless ayitholakali. Naphezu ngaphambili isimangalo eziphikisa ukuthi kukhona funa umphakathi ukuthi ukulawula inani cash hhayi Riksbank. Kanjani ofuna ke?

Okuthile yokuzikhethela komuntu siqu, akukho indawo engqondweni le Riksbank sika. Kuyinto okwengeziwe ngalabo abangenayo ilungelo ukuvula i-akhawunti yasebhange ukuze usebenzise imali. Against la ezihlongozwayo kusukela "izinyathelo okubhekiswe". Umoya dokhumenti ukuthi cash "aphelelwe yisikhathi" futhi kubambezela ukuthuthukiswa uma inkinga ngokunengqondo esikhundleni kufanele ibe mayelana ukhetho cashless kuyinto wobushiqela.

izingcaphuno engeziwe

"Abadlali Market, kufaka phakathi imizi, babe izindleko kokubili imali yabo futhi ezinye izindlela zokukhokha, futhi ngenxa yalokho kufanele kube mahhala ukuze bakwazi ukwenza izinqumo mayelana nokuthi iziphi izinhlelo zokukhokha indlela ukusebenzisa ngabo."

"Kusukela nombono kwezomnotho kubonakala debit card ukuba ezishibhile inkokhelo yemali esingeqile 20 imiqhele." (Abukho ubufakazi okungukuthi)

"Nakuba ucwaningo lo Riksbank uqobo kusikisela ukuthi isibalo imali ukuthengiselana incipha, kunzima ukuqinisekisa ukuthi kunjalo."

Omunye uthi ke ukuthi amakhaya ngokwabo kufanele ukwazi ukunquma ukuthi iyiphi inkokhelo bafuna ukusebenzisa. Phakathi naleso sikhathi, ngaphambilini

ukungqubuzana ukuthi amaqembu athile kuphela kufanele babe ilungelo lokusebenzisa imali. Kuhle kakhulu wonke ukuthi Riksbank kufanele unqume ukuthi ikuphi ukuthengisa. Khona-ke abantu belalela. Isimiso esifanayo njengoba kobushiqela.

I-eseyi is ebuswa ngamazwi kanye imiqondo ezifana ibhizinisi, abahlanganyeli emakethe, engabizi nobuchwepheshe-hlangothi. Hhayi isilebhuli ohlala kuso kuyakhulunywa ngaso ku ubumfihlo kanye nentando yeningi. Ukumela abantu Riksbank noma "imakethe" kulufifi? I Riksbank uye kusukela 1600s ubulokhu uhlangene eduze futhi ilawulwa ephalamende. Lena kwezombusazwe ehlukile Sweden. UMthethosisekelo uthi wonke amandla yomphakathi e-Sweden kumele kuvela abantu ephalamende kuyinto abameleli main abantu. Eminyakeni engaphezu kwengu-150, imali bekulokhu zomthetho ithenda. Nakuba evuma ukuthi kubukeka sengathi iningi lomphakathi ubona izinkokhelo imali njengoba sibonisa ukuthi Riksbank has ngokucacile onquma.

Kukhona enye indaba ingafundwa kuwebhusayithi Riksbank wafonela 'Cash noma ikhadi. kufanele kanjani ukukhokha? '. Kulotshiwe futhi ukuthi abasebenzi ababili ngesikhathi Riksbank. I kushiwo ngaphambili Segendorf noTomase Jansson. Lena akuyona kubaluleke njengokugwema kokufunda indaba is unilaterally igxile izindleko. Kodwa ezinye izinto ezibalulekile kukhona ukusho ngakho. Kuthatha eziningi wesikweletu imali ethi debit card kumele kusetshenziswe kabanzi ukunciphisa izindleko. Kuphakanyiswa ukuba bamukele "amacala esobala futhi izindleko ezisekelwe." Lokhu kusho kulo mongo ukuthi namazwi amahle esikisela izimali inkokhelo yemali. I Riksbank uncoma ngokugcwele zamanani izinkokhelo esobala akhawunti amakhadi umusa asakaze zokuqaleka nezimali for ATM.

ucwaningo Sound ebonisa ukuthi imali kuyabiza. Lokhu bekulokhu embonini yonogada. Kunengqondo ukuthi i-agumenti bakwazi ukuhlala khona. Kodwa kubalulekile ukuthi ubonise search Riksbank sika overwrought we "umnotho elilungile". It uzama ukukhombisa nge amagrafu namathebula ku kombundu okuyinto uthi kuyasiza ukusebenzisa credit cards. Kuye kwezinye amakota umangalele ukuthi 70 imiqhele kungaba umkhawulo lapho okhokhela ukusebenzisa credit cards. I Riksbank futhi uye kwenye indawo sathi umkhawulo newokukhokha kutawenteka 20 Imiqhele, kuyilapho inani ohambelana udumo kungaba 450 imiqhele.

Mhlawumbe indlela efanayo esetshenziswa kwezombusazwe kakhulu? Noma abahola ezingu-500,000 imiqhele ngaphambi kokususwa kwe tax kufanele uvotele "Dick Dictator". Labo uthole phezu leli nani kufanele uvotele "Sture uNdunankulu". "Dick Dictator" uhlale kukho okubi, kungakhathaliseki ukuthi umnotho. Kontantlöshet uhlale azi emuva alternative lousy.

It kuboniswa ukuthi kokubili imali kanye akhawunti ezisekelwe (funda cashless) izinkokhelo babe ezomnotho. Ngamagama luyingxenye kwezomnotho, akukho ukuphikisana ukuthi isimangalo. Okunengi umphakathi ayashibha nge lemali owengeziwe. Inkinga iwukuthi ngokunciphisa ukheshi umgoqo ubuhlungu isuswe iminotho yabo ukuziphilisa. Ukukhuluma cash ukuthi kuyabiza engafanele kulo mongo. Ukube waba imali nengxenye, cashless izinkokhelo ingxenye yayikhiphe ukuqhathanisa efanele kungenzeka kwenziwe.

Kwamanye amazwe ezifana Hungary, lapho kusetshenziswe imali kakhulu njengoba izindleko isilinganiso imali yokukhokha sincane kakhulu. It ingafaniswa izimoto. kuzokwenza

a mileage siphezulu uma nje ukushayela 50 mil nge imoto ngonyaka, uma kuqhathaniswa nabangu-1000 mil. Cash namanje eshibhe. Kodwa kungenjongo osopolitiki, amabhange, izinkampani zekhadi lesikweletu, amaphoyisa, izitolo kanye abantu abaningi abavamile ukukhohliswa abenze imali ukuncintisana kunqatshelwe ngoba lokho lezi Combined esenzelwe ukukhula credit card.

I ke Governor Ingves obonakaliswe nokunye okuqukethwe umbono ukuthi bonke yokukhokha ngizale izindleko zabo. Kulula ukusho uma ngimbulele inqubo nokuphathwa kwezimali kangangokuthi walahlekelwa iminotho yayo isikali ngakhoke Ingxenye izindleko fixed kunyuke kakhulu. Washukumisa entsha deregulated yangasese imali yokuphatha ngezandla ukuze amabhange ekuqaleni ngokungenangqondo bexhashazwa ukuphathwa uhulumeni imali kuphela ngenjongo ukugwema inzalo ngobusuku obubodwa. Amabhange, empeleni abazange ukukhokhela isevisi banikela.

Kukhona befog ukugxekwa kodwa umuntu angabona kuphela sifinyelela iziphetho ezimbili. Amabhange yangasese babe kakhulu imithwalo yakhe ababesebenzisa uhlelo max. I Riksbank akazange enze okwanele ngesimo ngenxa ukuhluleka, ngokungacabangi kanye zokungazimiseli. Konke kubonisa ngokucacile ukuthi zonke izinhlobo amabhange (kuhlanganise Riksbank) ngabe ukwehlisa imali. Amabhange yangasese zebulwe ke ububona ngokusebenzisa ukusetshenziswa okweqile nokuphathwa kwezimali. Kuyinto isizathu esikhulu ethi ukheshi ongathwali izindleko zalo siqu. Kuyinto iphutha amabhange '.

Ingabe kukhona ukuphakamisa ukuthi amabhange kungazelelwe uyeke ukusebenzisa uhlelo ngezindlela ezingafani inketho cashless. Ayikho lutho. Kufanele futhi Riksbank ukuqonda. Kwangaphambilini ukusetshenziswa okweqile kwemali handling kubonisa ukuthi akukho nelilodwa ancike amabhange yangasese ukuba baqikelele. Abafana abaningi zikhule zibe abantu abadala abavuthiwe kwabesilisa. Amabhange never abadala. Babengakaze ayeke ukuswayipha kusuka embizeni ikhukhi kuthiwa.

Esikhathini iphepha okukhulunywe ngawo ngaphambili, sabika ukuthi inkokhelo ikhadi kuthatha ngokwesilinganiso 25 imizuzwana ukuqedela ngenkathi ditto imali kuthatha imizuzwana engu-26. Yini ndaba wesibili? Hlobo luni agumenti engenangqondo? Uma ukuhweba iphela PIFFLE Amanani i

umkhiqizo 995 esikhundleni ezinengqondo SEK 1000 ngakho-ke konga isikhathi esiningi manje imizuzwana ngakho oerhärt ezibalulekile. Inani elikhulu ithatha isikhathi eside ukukhokha ngokheshi Yebo udaba Yebo njengoba izikweletu ngaphezulu okufanele zibalwe. Kuhle lapho zikhuluma ngeke babe nengcosana.

Lokhu "walahlekelwa imizuzwana" ngokungangabazeki agumenti silly kakhulu kontantlöshet engahlangabezana nazo ngesikhathi umsebenzi incwadi. Lokhu lilandelwa isitatimende ukuthi amasenti ayisithupha namashumi ngayinye elahlekile ngenxa endiza at ATM. Ingabe ikhona kakhulu kunalokho engingase boggles ngesikhathi esibi kanjani impikiswano kontantlösheten babe? Uma umuntu okhipha imali nge-ATM nsuku zonke zonyaka ngakho ukulahlekelwa ezincwadini SEK 22 ngenxa yokwenza lobu bugebengu. Njengoba ukunakekelwa kontantlösheten kangaka mayelana amapeni, luwumphumela esinembile 21,90. Oh ukuthi kubaluleke kangakanani ukuba 'pipe ekwayeni "futhi" Moment Okwesibili Okubalulekile ".

Ake esikhundleni ngikuxoxele isikhathi obaluleke ngempela. Ngokwe restaurateur Stockholm Bengt Sörås alithathe ku umkhakha yakhe 35- 40 imizuzwana ukhokha ngekhadi njengendlela yokukhokha imali ithatha imizuzwana eyishumi. Kukhona Nokho umehluko omkhulu. Emigqeni ngabe ngokusho kwakhe kube abangamakhulu amaningana amamitha uma wonke umuntu ukhokha ngekhadi. zindlu abaningi kanye nokunye okufana nalokho emizini enkulu ukwamukela kuphela imali.

I okukhulunywe ngawo ngaphambili, 22 (sorry 21,90) imiqhele eqhathaniswa isilinganiso 8,000 in inzuzo okumsulwa ukuthi amabhange fleecing nathi unyaka ngamunye umuntu ngamunye, noma izizumbulu abayiholayo bayifaka ku-credit card. Angive ngifisa ungaya emuva kwesikhathi ngakho besisolo sinayo ukukhokha imvilophu imali esandleni. Khona-ke bengiyobashiya ngisho une-akhawunti yasebhange kodwa konke "ngaphansi kumatilasi". Kulesi iphupho simo nostalgic, izinkampani kufanele enze okufanayo. Vele unayo imali iphephile yabo. Mhlawumbe ukufihla imali in the kubhavu nabazali bakhe njengoba Bert Karlsson wenza kudala. Waba yini umphumela walesi kungaba ukuthi besingeke amabhange.

Yeka ukuthi kuyisikhuthazo emangalisayo futhi akhululayo. Ngemva lesi simangaliso ngokwengqondo eyayembuleka, thina manje emuva nesihloko.

Uqondeni ngawo lowo wesibili eziphawulwe ngenhla okunzima? Eyehla ngesivinini kwabaphathi bemali ngokuphelele? Ake abasebenzi bakulezi zokubala abasebenza ijubane kwesokudla futhi Ungagijimeli ukufa. Misa ukhuluma ngani imizuzwana. Isiphakamiso ukusetha izintengo iyunifomu lula izinkokhelo zemali ephethwe ngesandla akulula njengoba izinguquko. A ubisi ngabe abiza imiqhele eyishumi ngokulinganayo hhayi 9.90. A pair of headphones izobiza 300 ngokulinganayo hhayi 295. Ububi kahle ukuthi abanye ayengebona kwezentengiselwano die ukushaqeka lapho ushintsho olukhulu ingaba ngokugqamile kakhulu. Ithemba ithoni kuyindida Kwakusobala embhalweni. Mhlawumbe lapho inkokhelo yemali bashaya cashless imizuzwana embalwa nje ngenxa yalesosizathu.

Enye into ngokuvamile abaqapheli ukuthi ibhizinisi unesibopho esingokomthetho ukuhlola izinto eziningana mayelana ukufaneleka nobuqiniso ukuthengwa nge-credit card. Ikhadi ibukeka kuhlolelwe yakho uyiqhamukela ngasohlangothini nelogo. isignesha kwamakhasimende kanye kwesikhathi ukusebenza kwekhadi ukuze ihlolwe. Ngubani owenza in umkhuba lokhu kokulawula? Ngaphezu kwalokho, noma yimuphi ukuhlonza ihlolwe. Cash akalokothi afune umazisi futhi cishe akunakwenzeka ukuba ziqhubekele.

Uma checkings ngokomthetho balandela aqikelele ukuthi ukuthengwa credit card ubalekela lapho yesibili njengoba flash futhi zithathelwe indawo imizuzwana embalwa ukulahlekelwa-akhawunti amakhadi kusimo. Umthetho ngokuvamile kudinga izinto umkhuba abangafunisisanga. Kodwa kuphela nje ukwenyuka kancane Izilawuli ngabe wenze ukuthenga credit card lwaluhamba kancane kakhulu imali ukuthenga.

Khona-ke, kusolakala ephepheni ukuthi imali isetshenziswa ngezinga eliphezulu. Through the lokubhala iqine ku imibundu isikhathi elisekelwa igrafu zezibalo 'kubonakaliswa kanjani "ukuthi lokhu kwenzeka. Lenza waze bathi izindleko kunqunywa ngokuphelele ngesikhathi kuthatha ukukhokha. I izibalo ngakho kanzima badonsekela emngceleni on the Paranormal noma athi zenkolo. Umuntu angeke alithole Rave olwanele mayelana embonini yokuvikeleka kungase kutholakale ukuthi imali izinkokhelo nengabizi. Kodwa ake ukuthi umdlalo ingqondo ukuthi ilungelo Riksbank sika. Lokho-ke ushibhile ukukhokha nge-credit card phezu inani elithile.

Yini abathengi abazuza kuwo? Kukholakala ukuthi zokudlela zizoshintsha amamenyu zabo okwesikhathi pittance? Ingabe zokudla izinjini ukushintsha amanani ayo kancane? Ngisho Riksbank ziphumelela kahle into engenangqondo kanjalo. Iqiniso liwukuthi kunalokho ngokuvamile ukuthi izinyathelo lapho imali kuhileleke ayinikeli umphumela appreciable noma kungase kudingeke nhlobo. Tax ukusikeka isibonelo. Izinkampani uthi ngiyabonga ngiyabonga bese uthole amakhasimende omkhulu ezibalweni. Kufanele umuntu ukuthengisa inkululeko yakhe ikusasa besebenzisa amakhadi esikweletu ukuze isindise noma amasenti amabili ngosuku, okuyinto mkhuba umcabango kwezomnotho?

Ekupheleni kwalesi indzaba sesibili sibonisa Riksbank PHIZ yakhe undlovu kayiphikiswa ngempela. Kuphakanyiswa ukuba "ukwethula ku inkokhelo njengoba isaphulelo kwenye indlela yokukhokha intela." Njengoba kungaqondakala umongo, lokhu kusho practice ukukhokhisa i yemali engukheshe ekhokhiwe kanti xhasa inketho cashless nge imithombo yezimali ezikutholile yokuqala. Ngaphambi nje ijika lokhu kuyindlela ukulawula ukusetshenziswa imali kulo uthi akufanele bakwenze. Uma Riksbank kungaba njengoba kokungathathi hlangothi njengabalandeli ke ozibiza ngabe ngokuphelele ukuhlala aphume mpikiswano mayelana nokusetshenziswa ukheshi noma credit cards.

Iphinde iphakamisa "imiphumela ezicashile ekuziphatheni" (eng. Nudging) kwi-akhawunti amakhadi umusa. Lokhu kumane nokukhohliswa okumsulwa. Kufanele onjalo nhlobo kube ezihlongozwayo yabantu okuthiwa? Kufanele abaseSweden brainwashed ku uhlobo oluthile "ikamu credit card" efana naleyo eyenzeka nangokucacile njengoba kusondela jikelele ukuze umbuso zomashiqela? labantu yaseSweden amangalelwe ilungelo lokulawula inani cash emphakathini eqinisweni lutho ngaphandle bangavumi brainwashed yi Riksbank.

Lokhu, uMbusi bami abathandekayo has no choice siqu noma yabo isinqumo siqu ukwenza. National Bank izishaya isifuba oku yayo "izibikezelo ezinembile." Akufanele sibizwe nangokuthi izibikezelo ngoba konke isekelwe Riksbank kanye ilk yayo cashless nge isibhakela yensimbi ukulawula ukuthuthukiswa isiqondiso cashless. Akusizi ngalutho ukwenza "izibikezelo" kufezwa ngokusebenzisa zokukhwabanisa bodwa sabantu. Lamaphepha ezimbili kwaba isizathu sokugcina. Mina ngimemezela intando yeningi olusemthethweni Swedish ngokuba efile. ubushiqela I Riksbank kumelwe ngokusobala izakhamuzi ukwazi indawo yabo.

Riksbank Governor Stefan Ingves kwaba okwesibili umagazini Focus nohlu lwabantu engamakhulu enamandla kunawo Sweden. Ngokuqondene namandla, kunzima kakhulu isikhundla namaqiniso soMbusi. Umbuzo esikhundleni kufanele azibuze yona ngubani empeleni unamandla kakhulu. Ingabe UNdunankulu noma uhulumeni? Kodwa uma thina eSweden ukubhikisha enamandla ngempela ngokumelene kontantlöshet futhi izenzo Riksbank sika ungase uzizwe uphoqelekile ukuba amise uMbusi ngubani, ngokungafani Ingves is eliqhutshwa isizathu nokungathathi hlangothi okungenani okwesikhashana.


Publicerades måndag, 14 oktober 2019 19:09:04 +0200 i kategorin och i ämnena:

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"UNkulunkulu walithanda izwe kangangokuba waze wanikela ngeNdodana yakhe ezelwe yodwa [uJesu], ukuze wonke umuntu okholwa yiyo angabhubhi, kodwa abe nokuphila okuphakade." - 3:16

"Kodwa abaningi njengoba  wathola  kwaKhe [uJesu], wabapha amandla okuba babe ngabantwana bakaNkulunkulu, labo abakholwa egameni lakhe." - Johane 1:12

"Ngokuba uma uvuma ngomlomo wakho ukuthi uJesu uyiNkosi, ukholwa enhliziyweni yakho ukuthi uNkulunkulu wamvusa kwabafileyo, uyakusindiswa." - eRoma 10: 9

Ufuna ukuba ngisindiswe bese zonke izono zakho zithethelelwe? Thandaza lo mthandazo:

- UJesu, ngiyakwamukela futhi sizivuma wena njenge Nkosi. Ngikholelwa ukuthi uNkulunkulu eyaphakanyiswa wena kwabafileyo. Ngiyabonga ukuthi manje I am ngisindiswe. Ngiyabonga ukuthi uke ungixolele futhi ngiyabonga ukuthi mina nginguye manje ingane kaNkulunkulu. Ameni.

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