EZOMNOTHO: JABULANI SIKHAKHANE
IBHANGE loMbuso [SA Reserve Bank (SARB)] seliphinde labonelela iPostbank ngokuyandisela isikhathi sokuzilungiselela ukumelana nayo yonke imigomo yohlelo olusingethe ezokukhokhelana eNingizimu Afrika, (National Payment System).
Isibonelo sokukhokhelana lapha kungaba yisivumelwano esenziwa ngumuntu othenga umshwalense, esigunyaza inkampani yomshwalense ukuthi ibambe imali njalo kwi-akhawunti yasebhange. Kokunye, uma umthengi one-akhawuthi kwelinye ibhange efuna ukukhokhela inkampani ene-akhawunti kwelinye, leyo nkokhelo idlula kulolu hlelo olusingethwe yiBhange loMbuso.
Phakathi kwezinhlobo zale ndlela yokwenza inkokhelo singabala lapho umuntu ethenga izimpahla esitolo, ngokusebenzisa ikhadi lasebhange. Enye kungaba wukukhokha ngekhompyutha noma ngethalalolwazi (app) lasebhange lakhe, elingaba kumakhalekhukhwini. Lonke lolu hlelo lwenziwa wulwazibuchwepheshe (information technology systems), futhi iningi lezinkokhelo lenzeka ngokuphazima kweso.
Lolu hlelo lunamalungu awu-35, okungamabhange aseNingizimu Afrika nawaphesheya kwezilwandle anezikhungo kuleli. Amanye amalungu yizinkampani ezingewona amabhange, kodwa umsebenzi wazo ophathelene nezinkokhelo. Lolu hlelo lokukhokhelana luwumgogodla wakho konke ukusebenza kwemali nomnotho. Ngaphandle kwalo, konke ukusebenza kwemali kungama nse, okungalandelwa wukuma komnotho wezwe njengoba nawo udinga ukuthi abantu nezinkampani bakwazi ukukhokhelana.
Amabhange nezinkampani ezingewona amalungu alolu hlelo, kumele aqoke ilungu elingazimela kulolu hlelo. Ibhange iThala nje, kalilona ilungu, ngakho-ke izinkokhelo zalo ziphathwa yilungu lalolu hlelo. Kusanda kubikwa ukuthi i-Absa – ebisiza iThala ngalokhu – izoshiya phansi njengoba kuphela lo nyaka.
Ukuze ibhange – noma inkampani – elingelona ibhange linikwe ilungelo lokuhlala etafuleni lokukhokhelana, kunemigomo okumele liyifeze. Okumqoka wukuthi amabhange nezinkampani ezibumba lolu hlelo, kumele abe sesimeni esiqotho ngokwezemali nemishini yolwazibuchwepheshe, ukuze zingadali izinkinga.
Esimemezelweni esishicilelwe kwigazethi ngeledlule, umphathi omkhulu weSARB, uMnu Lesetja Kganyago, ubike ukuthi iPostbank ibonelelwe futhi ngokungakwazi ukuhambisana nemigomo yohlelo lokuphathwa kwezinkokhelo. Sekungokwesithathu leli bhange libonelelwa ngalokhu.
Ngokusho kukaKganyago, iPostbank seyinikwe umnqamulajuqu wangoNdasa (March) 2025 ukuthi ihlele izinto zayo, ukuze ihambisane nemigomo yohlelo lwezokukhokhelana. Lesi sibonelelo siqondene nesimo solwazibuchwepheshe, okuyinto ebalulekile emsebenzini webhange njengoba ingumxhumanisi walo namakhasimende alo, futhi iwumgudu wokwedluliswa kwemilayezo phakathi kwalo namanye amabhange.
IPostbank yanikwa isihlalo kulolu hlelo ngoLwezi (November) wango-2020. Kamuva nje, iSARB ilumane indlebe nePostbank ngokusilela kwayo kweminye imigomo yobulungu balolu hlelo. Ithi ibonelele iPostbank okwesithathu emuva kokubuka izinyathelo ezithathwe yileli bhange ukulandela imigomo yohlelo lwezokukhokhelana nencazelo ngalezo zinto elisasilele kuzo.
Kwenzeka lokhu nje, ngasekupheleni kukaMandulo (September), kuqale ukusebenza komthetho osungula iPostbank njengenkampani engahlangene neSA Post Office, emuva kokuba usayinwe nguMengameli Cyril Ramaphosa. Lesi sehlukaniso sasingomunye wemigomo eyabekelwa leli bhange ukuze ligcotshwe ngokusemthethweni. IPostbank isingene ngaphansi kwenkampani entsha, okumele nayo ifake isicelo sokwemukelwa ngaphansi kwemithetho yezwe elawula ukusebenza kwezinkampani zemali.
