LA SOCO
Dib-u-dhigista lacag-bixinta waxay noqotay kheyraad aad u caan ah macaamiisha wax ku iibsada kaarka deynta. Suurtagalnimadan dib u dhigista waxaa loo soo bandhigi karaa macaamilka "ka dib iibsashada, Webka ama App-ka ama waqti isku mid ah bixinta lacag bixinta dukaanka, POS laftiisa", sida uu qabo Bangiga Spain.
Si kastaba ha ahaatee, hay'adda waxay rabeen inay u digaan dhammaan iibsadayaasha ka faa'iideysanaya daryeelka ay tahay in la qaado marka la isticmaalayo doorashadan. Lacag-bixintan bilaashka ah ee ay bixiyaan kaadhadhka kreditka qaarkood waxa laga yaabaa in ay keento kharashka "dulsaar, guddi ama labadaba".
[Dhaleecaynta kaararka deynta cusub ee dib loo dhigay ee la mid ah 'soo-noqoshada' kharashkooda cirka isku shareeray]
Markaa, bogga rasmiga ah ee Bangiga Spain, waxay beeraan afar fure oo ay raacaan si looga fogaado dhibaatooyinka marka dib loo dhigo lacag bixintaada.
Furayaasha dib u dhigista lacag bixinta
- Qaabka lacag-bixintani waa ka duwan yahay kan aad sida caadiga ah ugu isticmaashid kaadhkaaga, ha ahaato mid aan ribo lahayn ama ha ahaato mid wareegaysa dhamaadka bisha, waxayna saamaynaysaa oo kaliya kharashyada gaarka ah ee uu dalbado
- Waxay ka dhigan tahay isticmaalka xadka deynta ee aad horey u bixisay
- Dib u dhigistani waxay noqon kartaa bilaash, laakiin waxa kale oo laga yaabaa in lagugu dalaco ribo, guddi, ama labadaba.
- Shuruudahan waa in lagu daraa heshiiska aad saxiixday, ama wax kasta oo cusbooneysiin ah oo ay hay'addaadu kuu soo dirtay. Waa muhiim inaad dib u eegto dhammaan hababka lacag-bixinta deynta ee taageera kaadhkaaga
Talooyin dib u dhigista lacagaha
Waqtiga dib u dhigista lacag bixinta, Bank of Spain ayaa sidoo kale ka digay khatarta ay tani yeelan karto. In kasta oo dib u dhigistani ay "ay noqon karto mid soo jiidasho leh", waa in la xasuusto in "ay dhalinayso deyn aad bixin doonto dhamaadka".
Sababtan awgeed, hay'adda waxay ku talinayaan "aanan oggolaan PIN-kaaga ama OTP-gaaga inay kuu soo diraan adigoon si cad u ogeyn shuruudaha la isticmaali doono (noocyada, ereyga, komishannada, APR, joojinta hore, muddada ka bixitaanka...") . Intaa waxaa dheer, waxay ku weydiinayaan inaad weydiiso naftaada "maxaa dhacaya haddii aad soo celiso badeecada aad maalgelisay": haddii maalgelinta la joojiyo ama haddii ay sii ahaan doonto mid feejigan inta aad goor hore burinayso dib u dhigista.
['Immika iibso, hadhow bixi': khatarta isticmaalka adigoon xakamayn]
