Ngokugxila okuvuselelwe kwe-BoE ne-FCA ekuthuthukiseni ukuqoqwa kwedatha nokwabelana ngaphakathi kwemakethe yolwazi lwezikweletu, imboni iphakamise imibuzo ngokufanelekile.

Lezi zinguquko zizoba namuphi umthelela kubabolekisi? Ingabe bayakweseka ngempela ukukhula kwezimakethe ukuze kuzuze bonke? Futhi yini ababolekisi okudingeka bayenze ukuze balungiselele?

Ukuze uthole okwengeziwe, kulesi sihloko, sikhulume nomholi wemicabango yemboni, u-Ashley Beldham (owayenguMqondisi Oyi-Experian), obone umthelela ukwabelana ngedatha okunawo kuma-CRA nakubabolekisi ngokufanayo. 

Asingene kukho. 👇

Indlela ehlangene ye-BoE ne-FCA

The
isinyathelo esihlanganyelwe yiBhange LaseNgilandi (BoE) kanye Neziphathimandla Zokuziphatha Kwezezimali (FCA) kulindeleke ukuthi kuthathe iminyaka eminingana ukuzisebenzisa - okuyinto u-Ashley anomuzwa wokuthi idingeka kakhulu. Empeleni, imele umzamo ohlangene wokwenza kube manje kanye nokwenza kahle ukuqoqwa kwedatha
izinqubo ngaphakathi kwemakethe yolwazi lwezikweletu.

Ngokuvumelanisa imizamo yabo, bafuna ukwakha uhlaka oluhlangene nolusebenza kahle lokwabelana ngedatha, okuzuzisa kokubili abalawuli nezikhungo zezezimali. 

Le ndlela ehlanganisiwe isilungele ukuletha ushintsho olukhulu endleleni idatha eqoqwa, ihlaziywa ngayo, futhi isetshenziswa ngayo, ngomgomo omkhulu wokudala uhlelo lwezezimali oluqine futhi olusobala.

Kodwa ababolekisi bangase babe nemizwa exubile mayelana nezinguquko ezihlongozwayo, njengoba u-Ashley ebonisa; 

Ngakolunye uhlangothi, imfuneko yokwabelana ngolwazi lwekhredithi nama-CRA ingase iholele ekukhathazekeni ngezibopho zokubika ezengeziwe kanye nezinguquko ezingaba khona zokusebenza. Kodwa ngakolunye uhlangothi, ukwethulwa kwefomethi evamile yokubika idatha kungabukwa
njengesinyathelo esihle esingase ekugcineni sihlele izinqubo.”

U-Ashley uqhubeka athi; "Ababolekisi baqaphela ngokufanelekile ngomthwalo ongase ube khona wezidingo ezengeziwe zokubika kanye nemithelela engokoqobo yokwabelana ngedatha yekhasimende ebucayi." 

Kulungile ukusho ukuthi, kukhona ukukhathazeka mayelana nekhono le-FCA lokulinganisa phakathi kokukhuthaza ukuncintisana kwemakethe nokuvikela izintshisekelo zababolekisi nabathengi ngokufanayo. Lokhu cishe kubangelwa ukuntula incazelo engokomlando futhi ngezinye izikhathi okungenangqondo
okulindelwe emigwaqweni elawulayo. 

U-Ashley uyanezela; "Ababolekisi bazimisele ngokuqinisekisa ukuthi izinguquko ezihlongozwayo zinomphumela omuhle wamakhasimende, ngokuhambisana nomthetho we-Consumer Duty." 

Imithelela yesikhathi esizayo kanye nombono wezimboni

Izinguquko ezihlongozwayo zingaba nemithelela efinyelela kude ku-dynamics yezimboni nakubahlanganyeli bemakethe. Njengoba imboni izulazula kulesi sigaba, kuvela izinto ezimbalwa ezibalulekile:

#1: Ikhwalithi yedatha

Kubonakala kusobala. Kodwa ukugcina nokuqinisekisa ikhwalithi yedatha kuzobaluleka ukuze kugcinwe ubuqotho bokuhlolwa kwezikweletu kanye nezinqubo zokwenza izinqumo. Ababolekisi kuzodingeka basebenzise izindlela eziqinile zokuqinisekisa nokuqinisekisa ukunemba kwalokho okwabiwe
ulwazi lwekhredithi. Futhi nokunciphisa izikhala kudatha efana nemininingwane yokuxhumana nedatha yokwenziwayo–isu lapha lingase libe yi-multi-bureau.

#2: Izinguquko zokusebenza

Ababolekisi kungase kudingeke bahlole futhi balungise izinqubo zabo zokusebenza ukuze bahambisane nezidingo ezintsha zokubika idatha. Lokhu kungase kuhlanganise ukutshalwa kwezimali kubuchwepheshe nezisetshenziswa zokuqinisekisa ukuhlanganiswa okungenazihibe kanye nokunemba kokubika.

#3: Ukunika amandla abathengi

Ukugcizelelwa kokuthuthukisa ukufinyelela komthengi kanye nokuqonda ulwazi lwezikweletu kunikeza ithuba kubabolekisi ukuthi baxhumane nabathengi ngendlela esobala nefundisayo. Lokhu kusekela ukuzizwisa kwamakhasimende okungcono kodwa futhi kuhlala kulayini
nomthetho Womsebenzi Wabathengi. Ngalokhu, ababolekisi bangase badinge ukuthuthukisa amasu okunikeza amandla abathengi ngokuthuthukisa imfundo yezikweletu nokuqwashisa. 

#4: Ukuncintisana kwemakethe

Ukucindezela kokuncintisana okukhulu kwezimakethe kungaholela ekuqhamukeni kwabasanda kungena kanye nemikhiqizo emisha yezikweletu. Ababolekisi bazodinga ukuhlela amasu futhi bazihlukanise endaweni enokuncintisana kakhulu. Ukugcina izindleko ziphansi kuyisihluthulelo sokuhlala unokuncintisana. 

#5: Ukulungiswa kokuqondisa

Ababolekisi kumele baqinisekise ukuhambisana nendawo yokulawula eguqukayo. Ukuhlala uqaphela izibuyekezo zokulawula nokubonisa ukuthobela izimfuneko zokubikwa kwedatha kuzobaluleka.

#6: Ukusebenzisana kwemboni

Ukusebenzisana ngaphakathi embonini, okuhlanganisa nama-ejensi ezinkomba zezikweletu kanye nabanye ababambiqhaza, kuzobaluleka ukuze kuzuzwe izinguquko ngempumelelo futhi kuqinisekiswe uguquko olungenazihibe.

Ukhiye owuthathayo lapha? 

U-Ashley Beldham uthi kungcono kakhulu; "Njengoba imboni ibhekela lezi zinguquko, umbono ugqamisa amandla emakethe yezikweletu ebandakanya wonke umuntu futhi enokuncintisana."

Kulungile ukusho ukuthi siyavuma. Nakuba ukulungiswa kwesikhathi esifushane kungase kubangele izinselele, imithelela yesikhathi eside ikhomba emakethe esobala, egxile kubathengi, kanye nenamandla emakethe yolwazi lwezikweletu.

Imicabango yokugcina

Ukufingqa, izinguquko ezihlongozwayo emakethe yokwabelana ngedatha yezikweletu ziza nezinselele namathuba kubabolekisi kanye nemboni yonkana. 

Kodwa nansi into. Ababolekisi bazobe—ngokufanelekile—babe novalo mayelana nemiphumela engokoqobo kanye nebhalansi yezintshisekelo, umgomo omkhulu wokuthuthukisa ukubonakala kwemakethe, ukunika amandla abathengi, kanye nokuncintisana kuyinjongo ehlanganyelwayo. 

Njengoba imboni ithuthuka, umbono wesikhathi esizayo ukhomba endaweni ebonakala ngekhwalithi yedatha ethuthukisiwe, ukuhlonyiswa okuthuthukisiwe kwabathengi, kanye namandla amakhulu ezimakethe. Ngokubhekana nalokhu okucatshangelwayo, ababolekisi bangaba negalelo ekuqineni kakhudlwana
kanye nesimo sesikweletu esifinyelelekayo, ekugcineni sizuzisa abahlanganyeli bemboni kanye nabathengi.

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• Source: https://www.finextra.com/blogposting/26067/fca-and-boe-data-sharing-changes-the-impact-on-lenders?utm_medium=rssfinextra&utm_source=finextrablogs