- I-Google Play yethula ibheji yokuqinisekisa yezinhlelo zokusebenza zokutshala imali e-India ezibhaliswe ne-SEBI yomlawuli.
- Izinhlelo zokusebenza zezimali ezingaphezu kuka-600 sezivele zinale lebula, eyenzelwe ukunqanda ukukhwabanisa kanye nokwebiwa kobunikazi.
- I-SEBI iqinisa ukulawulwa "kwabathonya" bezezimali futhi ibambisana ne-Google, i-Meta kanye nohulumeni waseNdiya.
- Lesi sinyathelo sibeka isibonelo esingasetshenziswa eSpain nakulo lonke elaseYurophu ukuvikela abatshalizimali abancane.
Isinqumo sika I-Google izomaka izinhlelo zokusebenza zokutshalwa kwezimali eziqinisekisiwe eNdiya ngebheji ekhethekile Sekungenye yezinyathelo okukhulunywa ngazo kakhulu emikhakheni yezezimali nezobuchwepheshe yomhlaba wonke. Lolu shintsho luthinta ngqo izinhlelo zokusebenza ezitholakala ku-Google Play futhi luhlose ukunciphisa inani elikhulayo la ukukhwabanisa kokutshalwa kwezimali okuhlobene nemikhiqizo yokutshalwa kwezimali.
Lesi sinyathelo, esikhuthazwe ngokubambisana nomlawuli wemakethe yamasheya waseNdiya, Kuvula ingxoxo mayelana nokuthi abatshalizimali bezitolo kufanele bavikelwe kanjani kwezinye izimakethe ezifana neSpain noma lonke elaseYurophu.lapho amapulatifomu okutshalwa kwezimali kanye nabeluleki bezezimali abazibiza ngokuthi abazisebenzisa ezinkundleni zokuxhumana nabo banda khona.
Iyini ilebula entsha yokuqinisekisa ye-Google yezinhlelo zokusebenza zokutshala imali?
I-Google, ngesitolo sayo sohlelo lokusebenza se-Google Play, imemezele ukuthi izokwethula uphawu lokuqinisekisa lwezinhlelo zokusebenza zezinsizakalo zokutshalwa kwezimali eNdiyaLo mehluko uzogcinelwa kuphela lawo mapulatifomu abhaliswe futhi aqashwe ngumlawuli wemakethe waseNdiya, i-Securities and Exchange Board of India (SEBI).
Inhloso eyinhloko ukuthi, lapho befuna uhlelo lokusebenza lokuhweba, lomthengisi noma lokutshala imali, abasebenzisi bangakwazi Khomba ngokushesha ukuthi yiziphi izinhlelo zokusebenza ezingezona ezabalamuli abasemthethweni nokuthi yiziphi ezingaba amathuluzi angalawulwa noma akhohlisayo. Endaweni lapho kuvame khona ukuthola ama-clone ezinhlelo zokusebenza noma izinsizakalo ezaziwayo ezenza izinto ezisemthethweni, lo mehluko obonakalayo ubalulekile.
Njengoba kuchaziwe emcimbini ohlanganyelwe phakathi kwe-Google kanye nomlawuli waseNdiya, abathengisi kanye nabanye abalamuli kuphela ababhalwe kumarekhodi asemthethweni e-SEBI Bazofanelekela leli lebula. Lokhu kusungula umngcele ocacile phakathi kwamapulatifomu anelayisensi kanye nalawo asebenza ngaphandle kohlaka lokulawula.
Ukuqinisekiswa akuthinti nje kuphela abathengisi bendabuko, kodwa futhi nabanye izinhlelo zokusebenza zezinsizakalo zezezimali ezinikeza imikhiqizo yokutshalwa kwezimali, kusukela ezimalini kanye nemikhiqizo evela kwezinye kuya ezinsizakalweni zokweluleka ezenzakalelayo, uma nje zingaphansi kwesambulela somlawuli.
Izinhlelo zokusebenza zezimali ezingaphezu kuka-600 sezivele zinelebula
Ngesikhathi sokwethulwa kwalesi silinganiso, umphathi jikelele we-Google Play eNdiya, U-Aditya Swamy uqinisekise ukuthi kunezicelo zezinsizakalo zezimali ezingaba ngu-600. Sebevele bathole le lebula entsha yokuqinisekisa. Leli nani elibalulekile libonisa ububanzi nokwehlukahlukana kohlelo lokutshalwa kwezimali lwedijithali ezweni.
Lezi zicelo zimboza, njengoba kuchazwe yiziphathimandla, amapulatifomu okuhweba ngamasheya, izinhlelo zokusebenza zokuhweba ezisuselwe kokunyeIzinsizakalo zokuthenga nokuthengisa izibambiso kanye neminye imikhiqizo yezezimali elawulwayo. Umqondo we-Google uwukuthi abasebenzisi abangena ezweni lokutshala imali okokuqala bangahamba kulo ngokuzethemba okukhulu kanye nomongo.
USwamy ugcizelele ukuthi ukuzibophezela kwenkampani kuhilela Yakha uhlelo lwezinhlelo zokusebenza zokutshala imali ezithembekile ngokubambisana nabalawuli. Nakuba lesi sinyathelo okwamanje sikhawulelwe eNdiya, umyalezo uhambisana nomkhuba womhlaba wonke wokufuna ukucaca okukhulu kanye nokulawulwa okuqinile ezinkundleni zokutshalwa kwezimali zedijithali.
Ngokombono waseYurophu, leli nani lezinhlelo zokusebenza eziqinisekisiwe liyamangaza, njengoba liqokomisa lokho Izimakethe eziningi ezisafufusa zenze igxathu elikhulu ekutshalweni kwezimali ngeselula.Okwamanje, e-European Union, ibhalansi phakathi kokusungula izinto ezintsha kwezezimali kanye nokuvikelwa kwabatshalizimali iyaqhubeka nokuhlungwa.
Ukwanda kokukhwabanisa kwezezimali ku-inthanethi kanye nendima "yabathonya"
Isinqumo se-Google asivelanga ngokuzumayo. Sitholakale eNdiya. ukwanda okukhulu kwenkohliso yezezimali eku-inthanethiezithunyelwa ngezinhlelo zokusebenza zeselula, ngisho noma i-spyware kuzinhlelo zokusebenzakanye nasezinkundleni zokuxhumana. Ezimweni eziningi, ukukhwabanisa kuncike kumaphrofayili abukeka njengochwepheshe athembisa imbuyiselo ecishe ingenzeki.
Umlawuli waseNdiya ugxile kakhulu kulokho okubizwa ngokuthi "abathonya" bezezimali abangalawulwaLaba bantu batusa imikhiqizo noma amasu okutshala imali ngaphandle kwemvume edingekayo. Ezinye zalezi zincomo ziholele ekulahlekelweni okukhulu kubatshalizimali abancane.
Ukuze kunqandwe lesi simo, i-SEBI ithathe izinyathelo ezibalulekile: ivimbele izinhlangano ezilawulwayo ukuthi zisebenzisane nabantu abanethonya kwezezimali abangabhalisiwe futhi iqalise izinyathelo zokuphoqelela abadali bokuqukethwe abanikeza iseluleko sokutshalwa kwezimali esingenalayisensi. Lezi zenzo zifaka phakathi ukuvinjelwa kokuhweba emakethe kanye nokuthatha imali etholakale ngokungemthetho.
EYurophu, ikakhulukazi eSpain, ukukhathazeka ngemiyalezo yezezimali ezinkundleni zokuxhumana kuyafana. I-CNMV, isibonelo, Sekuvele kuxwayise izikhathi eziningana mayelana nokukhangisa okuyimfihlo kanye nengozi yokulandela izincomo zokutshalwa kwezimali ezisekelwe kuphela emibonweni yabantu abanethonya, into efana kakhulu nalokho okwenzeka emakethe yaseNdiya.
Ukubambisana phakathi kwe-Google, i-Meta kanye neziphathimandla ukuze kuncishiswe ukukhangisa okukhohlisayo
Ngale kwelebula lokuqinisekisa, umongameli we-SEBI, UTuhin Kanta Pandey ugcizelele ukuthi uphawu oluhlukile luzokwenza ukwebiwa kobunikazi kube nzima kakhulu. kwezicelo zezinsizakalo zezimali zangempela. Uma umsebenzisi ejwayele ukuhlala efuna uphawu lokuqinisekisa, cishe ngeke awele ogibeni lwe-clone enonya.
UPandey wengeze ngokuthi umlawuli usevele usesungule izindlela zokubambisana ne-Google kanye ne-Meta (inkampani engumzali ye-Facebook ne-Instagram) ukuvimbela izinhlangano ezingabhalisiwe ukuthi zithenge izikhangiso ukuze zikhangise okuqukethwe kwazo kwezezimali. Umqondo uwukuqeda ukufinyelela okukhulu kwemikhankaso ethile yokukhwabanisa efihliwe njengokutshalwa kwezimali okusemthethweni.
Ngesikhathi esifanayo, izinhlelo ze-SEBI ukusayina izivumelwano noMnyango Wezobuchwepheshe Nobuchwepheshe Bolwazi waseNdiya esikhathini esifushane, ukuze kuqiniswe ukubambisana kwezikhungo ngokumelene nokukhwabanisa kwezezimali kwedijithali. Le ndlela ebanzi, ehlanganisa ukuqapha okuqukethwe, ukulawula ukukhangisa, kanye nokuqinisekiswa kohlelo lokusebenza, ichaza imodeli amanye amazwe angayisebenzisa njengereferensi.
Ngokwesimo saseYurophu, bekungeke kumangaze uma iziphathimandla ze-EU kanye nabalawuli bezwe lonke behlolisisa lolu hlobo lokubambisana. Ezimakethe ezifana neSpain, lapho ukusetshenziswa kwezinhlelo zokusebenza zokuhweba kanye nemikhiqizo eyinkimbinkimbi kuye kwanda kakhulu, uhlelo lokulebula oluhlanganisiwe phakathi kwamapulatifomu ezobuchwepheshe nabaphathi Kungaba ithuluzi elengeziwe lokuvikela abatshalizimali.
Ukubaluleka kweSpain neYurophu: ukubuka kusengaphambili okungenzeka kwalokho okuzayo
Nakuba lesi sinyathelo esamenyezelwa yi-Google sigxile kakhulu eNdiya, Imiphumela yayo idlulela ngale kwemingcele yezwe lase-AsiaAmaqembu amakhulu obuchwepheshe avame ukuhlola izinguquko zomthetho noma zokusebenza ezimakethe ezithile ngaphambi kokuziyisa, kanye nezimo ezidingekayo, kwezinye izifunda.
EYurophu, uhlaka lokulawula lwezinsizakalo zokutshalwa kwezimali seluvele luyadingeka, ngemiyalelo efana ne-MiFID II kanye nabaphathi bezwe abakhuthele kakhulu. Kodwa-ke, Iqiniso liwukuthi umsebenzisi ojwayelekile akahlali ehlukanisa ngokucacile phakathi kohlelo lokusebenza olulawulwayo nolungekho.ikakhulukazi uma konke kuhanjiswa esitolo esisodwa sohlelo lokusebenza njenge-Google Play.
Uhlelo lwezimpawu ezibonakalayo, oluhlanganiswe nezinhlangano ezifana ne-CNMV eSpain noma i-ESMA ezingeni laseYurophu, lungenza ukusiza ekunciphiseni ukuchayeka ezinhlelweni zezimali zokukhwabanisa kanye nezinsizakalo ezingagunyaziwe ezithembele ekungaziwa kwe-inthanethi kanye nemikhankaso yokumaketha yedijithali enolaka.
Kumtshali-zimali waseYurophu, ukukhishwa okungenzeka kwesikhathi esizayo kwelebula elifanayo kungasho ukuthi, lapho usesha uhlelo lokusebenza lokuhweba, umeluleki we-robo, noma ipulatifomu yokuthenga isitoko, Kunganikeza inkomba ecacile yokuthi uhlelo lokusebenza luqashwe umlawuli.Lokhu akuqedi ingozi yokutshalwa kwezimali, kodwa kwengeza ungqimba lokuvikeleka ekukhwabaniseni nasekuzenzeni ongeyena.
Ngesikhathi esifanayo, lolu hlobo lwesistimu lunezinselele: chaza izindlela zokuqinisekisa ezifanayo kuwo wonke amazweUkugwema ukudideka mayelana nomthwalo wemfanelo weplatifomu yobuchwepheshe uma kuqhathaniswa nowenhlangano yezezimali nokuqinisekisa ukuthi izinhlelo zokusebenza ezisemthethweni azikhishwa ngenxa yezinqubo eziningi zokuphatha.
Lokhu kungabathinta kanjani abatshalizimali abancane, futhi yiziphi izifundo ezibanikeza abathengi baseYurophu?
Kubatshalizimali bezitolo, kungaba eNdiya, eSpain, noma kunoma yiliphi elinye izwe laseYurophu, icala le-Google ne-SEBI linikeza izifundo eziningana. Esokuqala sisobala: Akuyona yonke into evela esitolo sezinhlelo zokusebenza ephephile noma elawulwayo.noma ngabe inezinkulungwane zokulandwa noma ukubuyekezwa okubonakala kukuhle.
Okwesibili ukuthi, ngisho noma kunesiqinisekiso sokuqinisekisa, Umthwalo wemfanelo wokugcina wokuqonda ukuthi umuntu utshala imali kulokho usesezandleni zomsebenzisi.Uphawu oluhlukile lungasiza ekuhlungeni ukukhwabanisa okusobala, kodwa aluqinisekisi ukuthi umkhiqizo ufanelekela iphrofayili yomuntu ngamunye yengozi.
ESpain, ulwazi ngamapulatifomu okutshalwa kwezimali kanye nemikhiqizo eyinkimbinkimbi lukhombisile ukuthi Inhlanganisela yokukhangisa okunolaka, izithembiso zenzuzo esheshayo, kanye nokuntuleka kwemfundo yezezimali Kuyisiphuzo esiyingozi. Ngakho-ke, ukunyakaza okufana nokwaseNdiya kungasebenza njengesixwayiso sokuqinisa imfundo yezezimali kanye namathuluzi okuvikela.
Uma sibheka phambili, bekungeke kube yinto engenangqondo ukucabanga ukuthi i-European Union ingase ihlole amamodeli okubambisana okuseduze nezinkampani ezinkulu zobuchwepheshe ukuhlonza ngokucacile nokumaka izinsizakalo zokutshalwa kwezimali ezihambisana nemithetho ye-EU. Okwamanje, lokhu kuhlola kwaseNdiya kwakheka njengethangi lokucabanga elizobhekwa eduze yiwo wonke umhlaba.
Njengoba kunikezwe lesi simo sonke, isinqumo se-Google sokubiza izinhlelo zokusebenza zokutshalwa kwezimali eziqinisekisiwe eNdiya sibonisa izinga lapho ibhalansi phakathi kokusungula izinto ezintsha kwedijithali kanye nokuphepha kwabatshalizimali Sekuyiyona nto eza kuqala emhlabeni wonke. ESpain naseYurophu, le nhlangano isebenza cishe njengesibuko: igcizelela isidingo sokunikeza ukubonakala okukhulu kokuthi yiziphi izinsizakalo eziqondiswayo, iqinisa indima yabalawuli ekulweni nokukhwabanisa ku-inthanethi, futhi ikhombisa ukuthi ukubambisana phakathi kwezinkampani zobuchwepheshe kanye neziphathimandla zezimali kuzosondelana kakhulu.
