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Monday, January 24, 2022

Waxa loo Baahan Yahay Xeerka Adeegsiga Lacagaha Elaktaroonigga

GanacsigaWaxa loo Baahan Yahay Xeerka Adeegsiga Lacagaha Elaktaroonigga
Axad, (Hargeysa, 19-12-2021), Inta badan waxa kala hor kora horumarkeena iyo hannaankeena sharci. Tusaale, ahaan waxa aad arkaysaa adeegyo la jaanqaadaya casriga oo aynu adeegsanno, balse sharci lagu maamuli lahaa adeegsigooda iyo dhinaatooyinka ka dhasha aanu jirin. Waxa kalr ood arkaysaa hay’ad dawli ah oo baahi soo kordhisay, balse sharcigeedii dib laga sameeyo, lagana ansixiyo.
Saacaddo amma gelin wax ku eeg shalay oo kaliya waxa inala soo darisay caqabad keentay in farsami ahaan ay adkaato in macaamilkii suuqu istaago, kadib markii adeeg ka mid ah adeegyada ugu weyn ee is waydaarsiga lacagaha mobile ku suurageli waayey.
Sidaa darteed, iyadoo mar wal ba aan bu baraarugsanayn baahida sharci ee tiknoolajiyada adeeg kasta gashay, haddana waxa lagama maar maan ah in la helo amma la hal-abuuro, lana hirgeliyo “Xeerka Adeegsiga Lacagaha Elektarooniga ah,” ( Electronic Money Tranfer Act (EMTA).
Xeerkan oo sidoo kale loo yaqaan xeerka Adeegsiga Dakhliga Elaktarooniga (Electronic Fund Transfer Act (EFTA) waa mid lagu maamulo kharashaadka elaktarooniga ah ee ka dhex dhaca amma lagu isticmaali kombuuyatarada, telefoonnada, qalabada barlabta ah ee hay’adaha maaliyadeed isticmalaan ee macaamiisha u sasaamaxai ay akawnadooda lacag dhigan karaan amma kala bixi kataan. Waxa kale oo ka kid ah macaamiilaadka maaliyadeed ee ka dhaca ATMs, debit cards, direct deposits, point-of-sale (POS), amma automated clearinghouse (ACH) systems.
Xeerkan waxa uu abuurayaa hannaan macaamiisha iyo shirkaduhu ku sixi karaan khaladaadka ka dhasha nidaamka macaamil ee elektarooniga ah sida xatooyo amma lumitaanka. Waxa kale oo macaamiisha awood u siinayaa in ay magdhaw ka heli karaan shirkadda ay macaamiisha u yihiin haddii ay sharciga ku gefto amma qofka khasaare kala kulmo.
Adeegyadda Xeerkan Lagu Maamulaayo
Adeegyada aasaasiga ah ee xeerkan ilaalinaayo,laguna maaraymaayo sharciyadooda waxa ka mid ah:
ATMs: Xeerkan waxa uu ogolaanaya in 24-saacadoof la heli karo ATMs iyo masuuliyadda sharci ee ka dhalanaysa adeegsigiisa.
Pay-by-Phone: waxa aad ogolaan kartaa in aad lacag ku hesho amma ku bixiso Mobile, sida hadda ba aan samayno, baananka ayaa hadhaw isticmaali kara nidaamkan.
Internet: akawnkaaga bangi waxa aad ka dhex isticmaali karta internetka.
Debit Card: kaadhka ay bixiyaan hay’adaha dawliga iyo kuwa aam ahayn ee cmiilka u ogolaada in ay On-line ahaan wax ku iibsadaan amma ganacsi ku galaan.
Electronic Check Conversion: Jeegaga elaktarooniga ah oo loo isticmaalo in elektaroonig ahaan in lacag lagu dhigo amma lagagala baxo akawn bangi.
Kuwaas iyo kuwo kale oo badan ba xeerkan waa lagu maamulayaa. Waana lagama marmaan waqtigan. Wakale oo xeerkan lagu jaangoyn doona la tacaalida dambiyada ka dhanka ah arrimaha kor ku xusan.
Xeerkan waa in sidoo kale lala eego, lana waafajiyo xeerarka kale ee taabanaya sida xeerka maydhista lacaga, shuruucda dambiyadda abaabulan ku saabsan sida argagixisada, budhcad-badeeda, tahriibinta iyo ka ganacsiga dadka, Xeerka Ciqaabta Guud iyo xeerarka adeeg-bixiyayaasha maaliyadeed sida shirkadaha isgaadhsiinta, baananka iyo xawaaladaha.
Ibrahim Khadar Siciid

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