I-Afrika ibhekene nengwadla yokukhwabaniselwa omazisi, njengoba iNingizimu Afrika ithwele kanzima, ngokusho kongoti. Kule minyaka emine edlule, izigameko zokukhwabanisa komazisi ziye zanda, okuphawula isikhathi esibi kakhulu, njengoba iNingizimu Afrika ibhekene nokwanda okuphawulekayo kokukhwabanisa komazisi besizwe.
Umbiko wakamuva we-Smile ID onesihloko esithi “2024 Digital Fraud Identity In Africa” ugqamisa ukwenyuka okushaqisayo kwamazinga okukhwabanisa komazisi, ikakhulukazi kubhekwe ukukhwabanisa kwe-biometric. Lo mbiko ugcizelela ukwanda okuqhubekayo kwemibhalo kanye nokukhwabanisa kwe-biometric ngaphezu kwamakota ayisithupha elandelana kusukela ngekota yesibili ka-2022.
Okutholwe yilo mbiko kubonisa irekhodi eliphezulu emazingeni okukhwabanisa ekupheleni konyaka odlule, nokuhlaselwa okumangazayo okungama-80% okukhwabanisa komazisi okubhekiswe kumazisi besizwe, okubenza babe sengozini kakhulu.
Umazisi kazwelonke waseNingizimu Afrika uhamba phambili ohlwini ngama-38% emizamo yokukhwabanisa, ilandelwa yiTanzania ngama-32%, iKenya ngama-26%, i-Uganda ngama-25%, neNigeria ngo-18%.
Lapho sihlaziya izifunda, i-Afrika Emaphakathi neMpumalanga iqophe amanani aphezulu kakhulu okukhwabanisa komazisi ngo-2023, afinyelela phezulu kuma-29% nama-30% ngokulandelana, kuyilapho i-Afrika eseNingizimu ifinyelele kuma-23%. Ngokuphambene nalokho, iNtshonalanga Afrika ibike izinga lokukhwabanisa eliphansi kunawo wonke, elikhuphuke ngo-20%.
Ucwaningo lwe-Smile ID luphinde lwembule iphethini yokwanda kwezenzo zokukhwabanisa ntambama, okufinyelela kumvuthwandaba phakathi kuka-6pm no-9pm, kanti iMisombuluko noLwesithathu kuyizinsuku ezisebenza kakhulu zabakhwabanisi. Ukwebiwa kobunikazi nokukhwabanisa kubangela umonakalo omkhulu wezezimali nesithunzi, kudla abantu isikhathi, imali, futhi kulimaza ukufaneleka kwabo kwesikweletu. Njengoba omazisi bezwe kuyiwona okuhloswe ngawo, ukuvikela ulwazi lomuntu siqu kuba okubalulekile.
I-Federal Trade Commission (FTC) ibika amacala okukhwabanisa ayizigidi ezingu-5.7 kanye nokwebiwa komazisi ngo-2022, nekota ehlobene nokwebiwa komazisi. ENingizimu Afrika kuphela, ukwebiwa kwemininingwane kulinganiselwa ukuthi kuzodla umnotho ngaphezu kuka-R1.5 billion ngonyaka.
Ngaphandle kwemizamo yokuqinisa ezokuphepha, imibhalo emidala efana ne-green book ID yaseNingizimu Afrika isalokhu isengozini yokukhwabaniswa. Ushintsho oluya ekhadini le-smart ID luhlose ukunciphisa izingozi, i-Smile ID iphawula ukwehla okuphindwe kahlanu kwemizamo yokukhwabanisa uma kuqhathaniswa nencwadi eluhlaza.
Ukuze kuliwe nokukhwabanisa kobunikazi, ukuqapha kanye nezinyathelo zokuthatha isinyathelo ngokushesha kubalulekile. Izincomo zibandakanya ukuqapha ngokucophelela okwenziwayo kwezezimali, ukuchoboza amadokhumenti abucayi, ukusebenzisa amagama ayimfihlo aqinile nahlukile kuma-akhawunti aku-inthanethi, nokugwema ukwabelana ngolwazi lomuntu siqu ku-inthanethi.
Imibiko yamazwe ngamazwe igcizelela isimo somhlaba sokukhwabanisa komazisi, cishe ingxenye eyodwa kwezintathu yabantu baseMelika ababa yizisulu zobugebengu obunjalo. Ukusabalala kobugebengu bokweba imininingwane ebucayi, i-vishing, kanye nokuhlasela kwe-smishing kuveza isidingo sokuqwashisa okwengeziwe nezindlela zokuphepha eziqinile kuwo wonke umuntu nezinhlangano emhlabeni jikelele.
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