Litiko Letekuhweba eSaudi Arabia: imitsetfo yemakethe lengu-10 lelwa nekufihla bunikati bebhizinisi icala ngekugcina imali yebhizinisi ingangeni ku-akhawunti yakho yemuntfu

Litiko Letekuhweba lingulenye yetintfo letiseshwa kakhulu eSaudi Arabia namuhla, ngamhla wa-2 Novemba 2026, futsi ngemuva kwaloko kunemilayeto lemibili lecondzile kuwo wonkhe umnikati webhizinisi. Wekucala: ngamhla wa-29 Okthoba, Luhlelo Lwesive Lwekulwa Nekufihla Bunikati Bebhizinisi lubeke tindlela letingu-10 tekutsi emabhizinisi ahambisane nemitsetfo yemakethe, kufaka ekhatsi i-akhawunti yasebhange yebhizinisi, kungasebentisi ema-akhawunti emuntfu ekusebentelaneni kwalo, tindlela tekukhokha ngelekhtroniki, nema-invoyisi lakhishwa futsi agcinwe ngelekhtroniki. Wesibili: ngamhla wa-1 Novemba, Litiko lakhumbuta kutsi umsebenti lodzinga lilayisense uyasuswa kurejista yetekuhweba nangabe lilayisense lingakhishwanga emalangeni langu-90 ngemuva kwekubhaliswa. Linyatselo lakho namuhla: hlukanisa imali yebhizinisi neyakho, nika yonkhe i-riyal umkhondvo wedijithali, bese uhlola emalanga emalayisense akho. Nangabe ulungiselela neMtsetfo weTitjengiselwano Tekuhweba, fundza sihloko setfu lesimayelana nekuhlela emarekhodi netivumelwano.

Yini Litiko leliyimemetele ngalokucondzile?

Ngekusho kwesitatimende seLitiko Letekuhweba, Luhlelo Lwesive Lwekulwa Nekufihla Bunikati Bebhizinisi lugcizelele kutsi emabhizinisi kufanele alandzele imitsetfo yemakethe leyemukelwe tinhlaka tahulumende, futsi lubeke tindlela letisisekelo letingu-10. Sihlanganise loko lokubalwe esitatimendeni ngemacembu langu-4 kuze kube melula kukuhlola:

• Irejista nemalayisense: irejista yetekuhweba lesebentako nalebuyeketiwe ngayo yonkhe imininingwane nemalayisense ladzingekako, emalayisense emsebenti lavuselelwe, nemakheli ebhizinisi lamasha.
• Imali: i-akhawunti yasebhange yebhizinisi, kungasebentisi ema-akhawunti emuntfu ekusebentelaneni kwalo, kubhala phansi konkhe kusebentelana kwetimali, tindlela tekukhokha ngelekhtroniki, nema-invoyisi lakhishwa futsi agcinwe ngelekhtroniki.
• Tisebenti: kubhaliswa kuluhlelo Lwekuvikela Imiholo, imininingwane yemiholo lebhaliwe, tonkhe tivumelwano tekusebenta letibhalwe ngelekhtroniki, nekungaceshi tisebenti letingekho emtsetfweni.
• Bunikati netimali: kunganiki umuntfu longasiye wekuSaudi emathulusi lamenta akwati kulawula ibhizinisi ngalokuphelele, nekutfola timali ngetindlela letilawulwako lokubhalwe phansi.

Lokuphawulekako kutsi letinyenti taletindlela atilinganiswa ngaloko ibhizinisi lelikushoko, kodvwa ngemkhondvo lotishiywa ngemasistimu alo: sitatimende sebhange, i-invoyisi lelondvolotiwe, sivumelwano lesibhaliwe, umholo lobhaliwe.

I-akhawunti yakho yemuntfu akusiyo i-akhawunti yebhizinisi

Liphutsa lelivame kakhulu emabhizinisini lamancane kutsi umnikati wemukela imali yemakhasimende ku-akhawunti yakhe yemuntfu, noma akhokhele bahlinzeki kuyo, bese ukulungisa kamuva. Lendlela iyacaca: i-akhawunti yasebhange yebhizinisi, futsi kute ema-akhawunti emuntfu ekusebentelaneni kwalo. Ngekwemukhuba:

• Tonkhe tindlela tekwemukela imali tingena ku-akhawunti yebhizinisi: umshini we-POS, ligede lekukhokha lesitolo sakho se-inthanethi, nekudluliswa kwemali kwemakhasimende.
• Loko lokutsatsela wena kubhalwa njengekukhishwa ku-akhawunti yebhizinisi ngekufakwa lokucacile, kuze tindleko temuntfu netebhizinisi tingaze tihlangane.
• Hlanganisa sitatimende sebhange nesistimu yakho yema-akhawunti kuze konkhe kunyakata kwebhange kuhlanganiswe ne-invoyisi noma tindleko, futsi nanoma nguyiphi imali lete dokhumenti ivele masinyane, hhayi ngesikhatsi sekucwaninga.

Kukhokha ngelekhtroniki ne-invoyisi yelekhtroniki: umkhondvo wedijithali wayo yonkhe i-riyal

Tindlela letimbili letilandzelako, kunikela ngekukhokha ngelekhtroniki nekukhipha nekugcina ema-invoyisi ngelekhtroniki, tiphelelisa yekucala. Nangabe likhasimende likhokha ngelikhadi noma ngekudlulisa imali bese lemukela i-invoyisi esistimini yakho, kusebentelana kubhalwa ngetinhlangotsi letimbili: libhange nesistimu yakho. Loku kunguloko luhlelo lolukusho ngekubhala phansi konkhe kusebentelana kwetimali.

• Ciniseka kutsi umshini wekukhokha neligede lekukhokha kubhaliswe ngeligama lebhizinisi, hhayi lemuntfu.
• Yenta kutsi ema-invoyisi akhishwe yisistimu ye-POS noma yema-akhawunti uqobo, hhayi lifomu leligcwaliswa ngesandla.
• Gcina ema-invoyisi endzaweni yinye lengaseshwa futsi ikhishwe, ngelikhophi lekulondvoloza lokuhlolile ngempela kulibuyisela.

Nangabe ucabanga ngendlela lensha yekukhokha esitolo sakho, sihloko setfu lesimayelana ne-Tap to Pay eSaudi Arabia singakusita.

Emalanga langu-90 ngemuva kwekubhaliswa: lilayisense noma kususwa kwemsebenti

Kulesinye sitatimende lesehlukile, Litiko likhutsate banikati kutsi batfole emalayisense emisebenti leyidzingako emalangeni langu-90 ngemuva kwekubhaliswa kwayo kurejista yetekuhweba. Sigaba 4 seMitsetfo Yekusetjentiswa yeMtsetfo Werejista Yetekuhweba sibopha umhwebi kutsi enta loko, futsi sifuna kutsi umsebenti ususwe nangabe sikhatsi siphela lilayisense lingakakhishwa, noma umhwebi angakhombisi bufakazi bekutsi wenta umsebenti longalidzingi lilayisense.

Linyatselo ledijithali lilula: kuwo wonkhe umsebenti kurejista yakho yetekuhweba, bhala lilanga lekubhaliswa kwawo, nekutsi uyalidzinga yini lilayisense, lilanga lekugcina, nelilanga lekuvuselela onkhe emalayisense, ngesikhumbuto emaviki ngaphambi kwalelo nalelo lilanga. Libhizinisi lelincane lanele lishidi lelabelwanako; kulelikhulu, i-ERP iyakwenta loko.

Imiholo netivumelwano: yini lebhalwa ngelekhtroniki

Tindlela leti-3 timayelana netisebenti: kubhaliswa kuLwekuvikela Imiholo, imininingwane yemiholo lebhaliwe, nato tonkhe tivumelwano letibhalwe ngelekhtroniki. Nangabe umholo wesisebenti ukhokhwa ngekheshi noma nge-akhawunti yemuntfu, loko kwephula kokubili indlela ye-akhawunti nendlela yemiholo. Indlela lelula kakhulu kutsi imiholo iphume esistimini yinye lefaka imininingwane etinkhundleni tahulumende, njengobe sichaze kusihloko setfu lesimayelana nekuhlanganisa emasistimu akho ne-Qiwa, Mudad ne-GOSI.

Kulawula akusiyo inkholelo nje: Litiko lente luhambo lwekuhlola lolungetulu kwa-40,000 ngaSeptemba nangaOkthoba kuphela emitsetfweni yekwehliswa kwemanani yesizini ya-2026, ngekusho kwesitatimende salo sangamhla wa-1 Novemba.

Umbono we-Origami

Sitifundza letindlela njengekuphenduka kusuka embutweni wekutsi ngubani lonikati webhizinisi ephepheni kuya embutweni wekutsi imininingwane yalo itsini. Libhizinisi lelinemali ledlula ku-akhawunti yalo, nema-invoyisi lavela esistimini yalo, nemiholo lehamba ngetindlela letilawulwako, linebufakazi lobulungele nanoma nguwuphi umbuto.

Loku akudzingi liphrojekthi lelikhulu. Emabhizinisini lamanyenti lamancane, kwanele i-akhawunti yasebhange lehlukile, isistimu ye-POS noma yema-akhawunti lekhipha ema-invoyisi, nemininingwane yebhange lehlanganiswe nema-akhawunti. Nangabe udzinga lusito lwekuhlanganisa lamasistimu, sitsintse ngelikhasi letinsita tetfu.

Sicephetfo: luhlu lwekuhlola lwaleliviki

1. Dlulisela tonkhe tindlela tekwemukela nekukhokha imali ku-akhawunti yebhizinisi, bese uyekela kusebentisa i-akhawunti yakho yemuntfu kuto.
2. Ciniseka kutsi kukhokha ngelekhtroniki kuyatfolakala kumakhasimende, nekutsi imishini nemagede kungeligama lebhizinisi.
3. Khipha futsi ugcine ema-invoyisi ngelekhtroniki esistimini yinye.
4. Buyeketa imisebenti esekurejista yakho yetekuhweba: nguyiphi ledzinga lilayisense, futsi mangaki lasele kulamalanga langu-90?
5. Ciniseka kutsi imiholo ibhaliwe futsi netivumelwano tibhalwe ngelekhtroniki.
6. Buyeketa emakheli ebhizinisi nemininingwane yerejista.

Imitfombo

• Litiko Letekuhweba: Luhlelo Lwesive Lwekulwa Nekufihla Bunikati Bebhizinisi lugcizelela kuhambisana nemitsetfo yemakethe lengu-10, 29 Okthoba 2026 (ngesi-Arabhu)
• Litiko Letekuhweba: kukhutsatwa kutfolwa kwemalayisense emisebenti emalangeni langu-90 ngemuva kwekubhaliswa kurejista yetekuhweba, 1 Novemba 2026 (ngesi-Arabhu)
• Litiko Letekuhweba: luhambo lolungetulu kwa-40,000 lwekuhlola kuhambisana nemitsetfo yekwehliswa kwemanani yesizini ya-2026, 1 Novemba 2026 (ngesi-Arabhu)