Eminyakeni embalwa edlule, ukucabanga ngezwe elingenamali kwakubonakala kuyindaba eqanjiwe yesayensi. Kodwa-ke, namuhla sesikujwayele ukukhokha ngokuthepha nje amafoni ethu, noma ngokungabonakali, lapho okwenziwayo kwenzeka ngokuzenzekelayo ngemuva. Ngo-2025, lolu shintsho luzoqhubeka ngokushesha, lulolonge imikhuba emisha yabathengi kanye nezinkampani eziyinselele ukuthi zinikeze ulwazi olusheshayo, oluphephile, kanye nolwazi lomuntu siqu.
EBrazil, umthelela walokhu kuziphendukela kwemvelo uyabonakala. I-Pix, ephumelele ngokushesha kubathengi, isizitholele yona njengendlela yokukhokha ekhethwayo yokuthenga ku-inthanethi kanye nokomuntu siqu. Ngokufika kwe-Automatic Pix, evumela izinkokhelo eziphindelelayo ngaphandle kwesidingo sokugunyazwa mathupha, kanye ne-International Pix, ethembisa ukuqondisa ukuthengiswa komhlaba, ukunethezeka akukaze kube khona kangaka ekuphileni kwansuku zonke kwama-Brazilians. Lolu shintsho alusheshisi ukusetshenziswa kuphela kodwa futhi luphoqa izinkampani ukuthi zicabange kabusha amasu azo, ziqinisekise ukuthi zinikeza izinketho ezihambisana naleli qiniso elisha.
Ngaso leso sikhathi, izikhwama zedijithali zithola amandla amaningi. Ngesenzo esilula kumakhalekhukhwini wabo noma kumadivayisi agqokekayo, abathengi bangakwazi ukukhokha kalula. Ngaphandle kokusebenziseka kalula, lezi zikhwama zemali ziba yizikhungo zezezimali zangempela, izinsizakalo ezihlanganisayo ezifana nekhredithi esheshayo, ukubuyiselwa kwemali, kanye nokutshalwa kwezimali. Okuhlangenwe nakho kokuthenga kuba lula, ngaphandle kwesidingo sokufaka amakhadi noma ukugcwalisa amafomu amade, ukususa imigoqo ebiholela ekushiyweni kwenqola ngaphambilini.
Esinye isici esinqumayo sekusasa lezinkokhelo ukuthuthukiswa kobuhlakani bokwenziwa nokufunda kwemishini. Lawa makhono awagcini nje ngokuthuthukisa ukuphepha kokwenziwe ngokuhlonza nokuvimbela ukukhwabanisa ngesikhathi sangempela, kodwa futhi enze uhambo lomthengi lube ngelakho. Manje sekungenzeka ukuthi isistimu yokukhokha iphakamise indlela engcono kakhulu yokuqedela ukuthenga ngokusekelwe kumlando womsebenzisi, inikeza izinhlelo zesitolimende ezivumelana nezimo, izaphulelo kuzinketho ezithile, noma ngisho nekhredithi egunyazwe kusengaphambili ngesikhathi esidingekayo.
Ukwenyuka kokuthi "thenga manje, ukhokhe kamuva" (BNPL) nakho kubunjwa kabusha ubudlelwano babantu nesikweletu. Le modeli, esivele idumile phakathi kwabathengi abancane, ivumela abathengi ukuthi bathenge imikhiqizo ngaphandle kwesidingo sekhadi lesikweletu elivamile, ukuhlukanisa izinkokhelo zibe izitolimende ezingenayo inzalo ngemvume esheshayo. Ngo-2025, le fomethi kulindeleke ukuthi ihluke, inikeze yonke into kusukela ekuthengweni kwe-e-commerce enamanani amancane kuya ekuthengeni okukhulu emikhakheni efana nezokuvakasha nezemfundo.
Khonamanjalo, ukukhuphuka kwemali yedijithali yebhange eliphakathi (CBDCs) kuthembisa ukuqhubeka nokuguqula uhlelo lwezezimali lomhlaba wonke. Amazwe afana neBrazil, i-China, ne-United States asevele ahlola izinguqulo zawo zezimali zedijithali ezisemthethweni, okuvula indlela yekusasa lapho ukuthengiselana kwamanye amazwe kungenziwa ngaphandle kwabalamuli futhi ngezindleko ezincishisiwe. Ezinkampanini ezisebenza kwezohwebo lwangaphandle, lokhu kusho ukusebenza kahle okukhulu kanye nokuncintisana okukhulu ezimakethe ezazingafinyeleleki ngaphambilini.
Uma ubheka phambili, kunento eyodwa eqinisekile: ukukhokha akukaze kube lula, kusheshe, noma kungabonakali. Ikusasa lezinkokhelo aliyona nje edijithali, futhi lihlakaniphile, liyaqondakala, futhi livumelana nezimo zokuphila zomthengi ngamunye. Futhi ezinkampanini eziqondayo le nhlangano futhi zilungiselele yona, amathuba awapheli.
Ngu-Walter Campos, iMenenja Jikelele ye-Yuno
