Isimo samabhange saseYurophu namuhla sibukeka sihluke kakhulu kunaseminyakeni embalwa edlule, sichazwa kakhulu yimithetho emisha evele ngenxa yokushintsha kokuziphatha kwezezimali kwabathengi. 

I-Payment Services Directive 2 (PSD2) kanye nomlandeli wayo, i-Payment Services Directive 3 (PSD3), ngokwesibonelo, baguqule ukubhanga okuvulekile kusuka emandleni e-niche kuya esimweni sokusetshenziswa okujwayelekile izigidi zabathengi manje ezizisebenzisayo ukuze zibonakale kangcono
idatha yabo yomuntu siqu kanye nezezimali. Ngaphezu kwalokho, isibuyekezo
Imithetho ye-Single Euro Payments Area (SEPA). zamukelwa ukuze kuhlangatshezwane nesidingo samakhasimende nomthengisi sezinkokhelo zesikhathi sangempela eziphephile nezivikelekile. 

Ngaleso sikhathi e-US, izimfuno ezifanayo zesipiliyoni sezezimali sedijithali zidonse ukunaka kwabalawuli. Ukwenyuka kokwamukelwa kwezinkokhelo ezisheshayo, ngokwesibonelo, kwaholela ekwethulweni kwe-FedNow ngoJulayi 2023. Ekwethuleni uhlelo lokuqala lwezwe olulawulwa yi-federal.
inethiwekhi yezinkokhelo ezisheshayo, amabhange nezikhungo zezezimali manje zingaqhudelana neminikelo ye-fintech engalawulwa. 

Kodwa nakuba lokhu kumelela igxathu elibalulekile eliya phambili kwezezimali zase-US, izwe alikaliboni izinga elifanayo lokwamukelwa kwamakhono amasha ezezimali abambe iqhaza e-Europe nezinye izimakethe zomhlaba. Futhi kusenomsebenzi okufanele wenziwe kusukela kumlawuli
kanye nombono, nemithethonqubo mayelana namabhange avulekile asathuthukiswa kuze kube sekupheleni kuka-2024 okungenani.

Ngenhlanhla, amabhange ase-US nezikhungo zezezimali ezifuna ukuya phambili kumathrendi asafufusa-kanye nemithethonqubo ewumphumela-awunawo umgwaqo. Ngokubheka ngaphesheya kwesiziba okuhlangenwe nakho kwezezimali okwenzekayo njengamanje eYurophu, lezi zinhlangano
hhayi nje ukuba nokubuka kuqala kokuzayo, kodwa bangathola ukuqonda ngezindlela ezisebenza kahle kakhulu zokwenza ngamasu abo oguquko.

Ngezansi kukhona amathrendi amathathu ahamba phambili asethembisa ukuguqula ibhange lase-US, futhi yiziphi amabhange angazifunda kulokho okwenzeka eYurophu ukuze azilungiselele:  

I-Open Banking yenza Isisekelo Soshintsho Olukhudlwana Lwebhange E-US yonkana 

Isidingo samabhange esivulekile e-US ngokuyinhloko siqhutshwa isidingo semakethe—hhayi imithetho. Njengoba kumile manje, amabhange nezikhungo zezezimali kufanele basebenzisane nabalingani be-fintech noma abanye abantu besithathu ukuze bahlanganise amabhange avulekile emalini yabo, njengoba kukhona
alukho uhlelo olulawulwayo olubavumela ukuba balunikele ngokwabo. 

Kodwa lokhu kungase kushintshe maduze. Izingxoxo zakamuva emhlabeni
Isiphakamiso samalungelo edatha yomuntu siqu ye-CFPB zihlose ukusheshisa inguquko yokuvula amabhange ngokusungula amalungelo aqinile edatha yezezimali kanye nokuvikelwa okuzokwenza amabhange nabathengi babelane ngokuphephile ngedatha yezezimali phakathi kwezinhlangano.

Ngokwenza kanjalo, abathengi bazokwazi ukwabelana kalula nangokuvikelekile ngedatha yabo phakathi kwanoma iyiphi inhlangano—kungakhathaliseki ukuthi ibhange, isikhungo sezezimali, i-fintech noma omunye umhlinzeki wezinsizakalo zezezimali zezinkampani zangaphandle. Amabhange nezikhungo zezimali, ngakolunye
ngesandla, bazokwazi ukuhlinzeka ngolwazi lwezezimali lomuntu siqu kakhudlwana kumakhasimende abo ngokusekelwe kuleyo datha—obekade bengafinyeleleki kuyo ngokomlando ngenxa yemingcele yokulawula.

Amanye amabhange angase akhethe ukuthuthukisa lezi zimo ezintsha zezezimali ngokwawo, kanti amanye angase ancamele ukuqhubeka nokusebenzisana kwawo ne-fintechs, ewanikeza idatha ayidingayo ukuze asungule futhi adale amakhono amasha futhi avumele amabhange ukuthi aqhubeke.
ukugxila ezinsizeni zezezimali zendabuko. Ngokusekelwe ku
Ucwaningo lweSopra Banking Software, u-74% wamabhange emhlabeni wonke abona lezi zinhlobo zokusebenzisana njengezibalulekile kumasu awo esikhathi esizayo.

Ngaphezu kokuletha i-US endaweni yokudlala efana kakhulu neyaseYurophu, lapho ukubhanga okuvulekile kuyisevisi elawulwayo enganikezwa yinoma yiliphi ibhange noma isikhungo sezezimali, imithetho emisha yamabhange avulekile kanye namandla ayo angakunikeza.
Izikhungo zezimali zase-US ezinomkhawulo wokuncintisana ngamakhono amasha kanye nemithombo yemali engenayo ezinikeza umlenze phezulu emakethe egcwele abantu.

I-FedNow Ingakwazi Ukuguqula Izinkokhelo Ezisheshayo Ngesikali—Uma Izikhungo ZaseMelika Zikuthola Kahle

Abathengi base-US ababona abantu abangaziwa ezinkokhelweni ezisheshayo. Phela, abadlali bamanje kulesi sikhala okuhlanganisa uZelle, inethiwekhi ye-RTP ye-The Clearing House, i-Visa Direct, i-Mastercard SendTM, i-Venmo, i-Paypal kanye nenqubo yesikwele.

ngaphezulu kuka-$ 900 billion ngevolumu yaminyaka yonke yesikhathi sangempela sokwenziwe. 

Noma kunjalo, le ntengiselwano isekelwa izinkampani zangaphandle (ezihlukene nomhlinzeki wamabhange oyinhloko womthengi) futhi ayinakho ukuphepha okuqondile nokugadwa kokuthobela okugcina amabhange alawulwa yinhlangano abe sezingeni eliphezulu kune-fintechs nezinye zezezimali.
abahlinzeki bezinsizakalo. Ukuvela kwe-FedNow kushintsha lokhu ngokunikeza ithuba kuwo wonke amabhange ase-US ukuthi anikeze izinkokhelo zesikhathi sangempela kumakhasimende awo ngohlelo olumaphakathi, olulawulwayo. 

Inselelo, nokho, iwukwenza abathengi bashintshe basuke kumasevisi asebewajwayele ukuze i-FedNow ibone izinga elifanayo lokutholwa njengalezi ezinye izinsiza. Futhi ngenxa yokuthi ukuhlanganisa ne-FedNow kusho ukuthi amabhange kufanele anikele
izinkokhelo ezisheshayo ngokwabo, kunokuba bazinikeze omunye umuntu, abaningi babhekene nezinselele ezihlukahlukene zobuchwepheshe ekwakheni amakhono amasha phezu kwezinhlelo zabo zefa zangaphakathi.  

E-Europe—lapho ukunikeza izinkokhelo ezisheshayo manje sekuwumkhuba ogunyazwe uhulumeni kuwo wonke amabhange nezikhungo zezezimali—izinhlangano zithola ukuthi ingqalasizinda yedijithali, esekelwe emafini ibanikeza ukuguquguquka abakudingayo ukuze benze ingxenye yokukhokha ngokushesha.
yeminikelo yabo eyinhloko.

Uma kuqhathaniswa nezinhlelo zefa ezidinga isikhathi sokuphumula esivamile kanye nokwengamela okwenziwa ngesandla, lezi zakhiwo zesimanje zinikeza izinsiza ezizimele, ubusuku nemini ezivumela abathengi namabhizinisi ukuthi benze izinto ngesikhathi sangempela noma kunini, noma yikuphi. Nabo futhi
kukhula kakhulu, okusho ukuthi izinhlangano zingakwazi ukwamukela kalula ivolumu yokwenziwayo eyengeziwe nge-SEPA, i-FedNow, nanoma iyiphi enye isevisi njengoba zanda ekuthathweni kwazo.

Amabhange ase-US nezikhungo zezezimali kuzodingeka ukuthi enze lezi zinguquko ezifanayo njengoba esebenzela ukulungisa imithetho eguqukayo—futhi ekugcineni, adlule ukunikezwa kwezinkokhelo ezisheshayo kwamanye amabhange, kanye nalabo abangewona amabhange.

Amabhizinisi Namabhange Ngokufana 

Ikhono lokudlulisa izimali ngokuqondile usuka kwenye i-akhawunti uye kwenye usebenzisa i-pay-by-bank kungenye inketho yokukhokha ebona ukutholwa okuncane kakhulu e-US kunaphesheya kwezilwandle. Umhlinzeki wesevisi yezezimali waseYurophu u-Klarna, isibonelo, usanda kwethula entsha

isici sokukhokha ngebhange lokho kwenza abathengi bakwazi ukudlula amanethiwekhi ekhadi futhi bakhokhe ngokuqondile ku-akhawunti yabo yasebhange ngokuchofoza inkinobho.

Esinye sezizathu eziyinhloko zokuthi ukuthula e-US ukuntuleka kwezinhlaka zamabhange ezivulekile eziye zenza kwaba nzima ukwabelana ngedatha nolwazi lwe-akhawunti phakathi kwezikhungo, bese kuvumela izinkokhelo ezisheshayo nezisebenza ngempumelelo ngokuqondile.
kuma-akhawunti asebhange. 

Uma lezi zinhlelo sezisetshenziswa, amabhange nezikhungo zezezimali zizokwazi ukukhombisa amakhasimende abo ukuthi ibhange elikhokhayo liwunikeza kanjani umnikelo okhanga kakhulu kunezinye izindlela zokukhokha zabathengi namabhizinisi ngokufanayo, ngenxa yekhono lalo lokuqeda.
izimali zokucubungula ikhadi kanye nezimvume zokwenziwe ezinde. 

Ukusuka lapho, bangakwazi ukusebenzisa ibhange elivulekile ukuze baqondise izinqubo futhi benze umnikelo okhokhelwa yibhange ube ovikelekile, futhi othobelayo amakhasimende angawasebenzisa ezindlekweni zawo zansuku zonke, inkokhelo yebhili nokunye okwengeziwe. 

Ukubheka okuhlangenwe nakho kwamabhange nezikhungo zezezimali eYurophu nakwezinye izimakethe zomhlaba kunganikeza izinhlangano zase-US ubufakazi obubambekayo bamandla ezezimali aseduze. 

Ukwenza amalungiselelo angaphakathi ukuze uzuze kumabhange akamuva avulekile, izinkokhelo ezisheshayo namandla okukhokha ngebhange akuyona nje indaba yokuhlala ngaphambi kwezitayela—kodwa ukuvikela isabelo semakethe esikhulu kunazo zonke sezikhungo zezimali, isithunzi nokuhambisana.
emi. 

• I-SEO Powered Content & PR Distribution. Khuliswa Namuhla.
• I-PlatoData.Network Vertical Generative Ai. Zinike Amandla. Finyelela Lapha.
• I-PlatoAiStream. I-Web3 Intelligence. Ulwazi Lukhulisiwe. Finyelela Lapha.
• I-PlatoESG. Ikhabhoni, I-CleanTech, Amandla, Environment, Ilanga, Ukuphathwa Kwemfucuza. Finyelela Lapha.
• I-PlatoHealth. I-Biotech kanye ne-Clinical Trials Intelligence. Finyelela Lapha.
• Source: https://www.finextra.com/blogposting/26011/three-european-banking-trends-poised-to-transform-the-us?utm_medium=rssfinextra&utm_source=finextrablogs