bbchausa verticals/012 cashless countries

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#: The countries where cash is on the verge of extinction [1] <> Kasashen da tsabar kuɗi ke dab da ɓacewa [2]

#: My dad, [3] <> Mahaifina [4]

#: a former Wall Street trader always advised me [5] <> wani tsohon mai sayar da hannayen jari ne kuma ya sha ba ni shawarar cewa, [6]

#: cash is kingand tohold on to itwhen the economy gets tough. [7] <> kuɗi masu gidan rana kuma in riƙe su gamgam duk lokacin da aka shiga wani mawuyacin hali na tattalin arziki. [8]

#: I cant remember the last time we received a cash payment [9] <> Ba zan iya tuna lokaci na ƙarshe da muka karɗi tsabar kuɗi ba wajen yin ciniki. [10]

#: But in the Netherlands, cash is definitely not getting the royal treatment. [11] <> Sai dai a Netherlands tsabar kuɗin bai samun karramawa kamar wasu ƙasashe. [12]

#: In so many places, [13] <> A wurare da dama [14]

#: it has simply ceased to be recognised as legal tender. [15] <> an ma daina amfani da tsabar kuɗi wajen hada-hada. [16]

#: More and more Dutch stores, from upscale health-food store Marqt to my local baker and bagel shop, take pinor debitcards exclusively. [17] <> Shaguna da dama na ƙasar waɗanda suka haɗa da masu sayar da magunguna da kayyakin abinci har da masu sayar da biredi sun fi amfani da kati wajen cinikayya. [18]

#: Some retailers [19] <> Wasu ƙananan 'yan kasuwa [20]

#: even describe going cash-free ascleanerorsafer”. [21] <> har su kan bayyana cewa rashin amfani da tsabar kuɗi yana da tsafta kuma ya fi inganci. [22]

#: Tucking my debit card firmly away, [23] <> Na riƙe katin banki na gam-gam, [24]

#: I decide to see how far a bundle of cash will get me. [25] <> sai na yanke shawarar ganin ko zuwa wane tsawon lokaci ne tsabar kuɗi da nake da su za su ishe ni. [26]

#: Not far. The big-ticket items are strictly cashless affairs: my rent and my telephone bill among them. [27] <> Basu kai ni ko ina ba. Domin tuni aka daina amfani da tsabar kuɗi wajen sayen tikiti da biyan kuɗin haya dana wayar salula da sauran su. [28]

#: I meet with baffled expressions and some resistance. “I cant remember the last time we received a cash payment,” says Marielle Groentjes, an administrator with the company that manages my apartment, Hoen Property Management BV, and has worked there for a decade. [29] <> Lamarin ya yi matuƙar bani mamaki lokacin da Marielle Groentjes wanda ke kamfanin dake kula da gidan da nake zaune ya shaida min cewa "ba zan iya tuna lokaci na ƙarshe da mu ka karbi tsabar kuɗi wajen ciniki ba", kuma an daɗe da kamfanin Hoen Property Management BV. [30]

#: We dont like cash in the office, [31] <> Bama son tsabar kuɗi a ofishin mu [32]

#: we dont have a safe, [33] <> ba mu da wurin ajiya kuɗi [34]

#: and banks charge you for depositing it.” [35] <> kuma bankuna suna cajin mu wasu kuɗaɗe idan muka kai ajiyar tsabar kuɗi. [36]

#: I cant even use my euros to pay for parking in much of the city [37] <> Ba zan ma iya amfani da kuɗin Euro ba wajen biyan kuɗin da ake caji na ajiye mota a wurare da dama a cikin birni. [38]

#: But its the smaller items that are giving me the biggest headaches. [39] <> Amma kuma abun takaici shine wasu ƙananan abubuwa su suka zama matsala ta, [40]

#: Not only can I not buy my organic produce at Marqt, [41] <> domin kuwa ba zan iya sayen su ba. [42]

#: but I am forced to wait in long cash-only lines at the supermarket [43] <> Tilas sai dai in bi dogon layi na masu biya da tsabar kuɗi bayan sayen kayayyaki, [44]

#: while I watch those with debit cards quickly pay up and make it home for dinner. [45] <> yayin da na ke kallon masu amfani da kati suna ta wuce ni a tsanake har ma za su iya isa gida don cin abincin dare. [46]

#: When I try to buy a tuna sandwich at Dutch bakery chain Vlaams Broodhuys, my cash is rejected. [47] <> A lokacin da na yi ƙokarin sayen biredin da ake haɗawa da kifin gongoni a wani gidan biredi mai suna Vlaams Broodhuys, an ma ƙi karɓar kuɗi na. [48]

#: I cant even use my euros to pay for parking in much of the city. [49] <> Ba zan ma iya amfani da kuɗin Euro ba domin biyan kuɗin ajiye mota a wurare da dama a cikin birni [50]

#: Cash is a dinosaur, but it will stay,” says Michiel van Doeveren, [51] <> Tsabar kuɗi sun zama tamkar kaya ne, in ji Michiel van Doeveren, [52]

#: a senior policy advisor at the Dutch central bank, DNB (De Nederlandsche Bank). [53] <> wani babban mai bada shawara a babban bankin ƙasar. [54]

#: But he points out it's the logistics that make handling cash expensive [55] <> Sai dai ya lura cewa matsalar zirga-zirga ita ce ta haddasa amfani da tsabar kuɗi ya ke da tsada. [56]

#: (it must be transported, guarded, tallied and registered) versus the ease of electronic payments. [57] <> Ya ce yana da muhimmanci a ƙara ƙarfafa amfani hanyar ciniki ta internet saboda muna son ƙarfafa ingantaccen tsarin biyan kuɗaɗe. [58]

#: Its important that the electronic economy increases. We want to foster more efficient payments.” [59] <> Tilas a kwashe su kuma a riƙa gadin su har ma sai an yi musu rijista, maimakon amfani da kati. [60]

#: Even homeless magazine vendors accept card and mobile payments these days [61] <> Hatta ma masu sayar da jaridu da mujallu suna amfani da kati wajen ciniki a 'yan kwanakin nan. [62]

#: How to make money [63] <> Yadda zaka nemi kuɗi [64]

#: Electronic payments in the Netherlandsshops and supermarkets overtook cash payments for the first time in 2015 by a narrow margin: [65] <> Tsarin ciniki ta Internet a manya da ƙananan shuguna a Netherlands sun zarta yawan amfani da tsabar kuɗi a karon farko a 2015 da ɗan ƙaramin tazara: [66]

#: 50% debit cards while 49.5% were paid for in cash the remaining 0.5% were credit card-payments. [67] <> Kashi 50 cikin 100 na jama'a suna amfani da kati yayin da kashi 49.5 ke amfani da hanyar biyan tsabar kuɗi sai kuma kashi 0.5 dake cinikin bashi. [68]

#: Theres a movement afoot by a coalition of Dutch banks and retailers that want that ratio to increase to 60% electronic payment versus 40% hard currency by 2018. [69] <> Kuma gamayyar bankunan ƙasar da ƙananan 'yan kasuwa na son a ƙara yawan amfani da kati wajen cinikayya zuwa kashi 60 yayin da amfani da takardun kuɗi ya zama kashi 40 nan da shekarar 2018. [70]

#: They say cashless payments are cheaper, safer and more convenient. [71] <> A cewar su, rashin amfani da tsabar kuɗi wajen cinikayya ya fi sauƙi da kuma rashin hadari . [72]

#: Like the Netherlands and its Scandinavian neighbours, Sweden is among the front-runners in the race to eradicate cash. [73] <> Kamar dai ƙasar Netherlands wasu ƙasashe dake maƙwabtaka da ƙasar kamar Sweden na sahun gaba wajen kawadda amfani da tsabar kuɗi wajen kasuwanci, [74]

#: But not everyone is welcoming. For small businesses, it costs so much money to put cash in the bank [75] <> amma kuma ba duk 'yan ƙasar ne su ka yi maraba da hakan ba. [76]

#: Its a very big problem. [77] <> Wannan babbar matsala ce, [78]

#: For small businesses, [79] <> saboda ga ƙananan 'yan kasuwa, [80]

#: it costs so much money to put cash in the bank,” [81] <> yana da tsadar gaske ka ajiye tsabar kuɗi a bankuna," [82]

#: says Guido Carinci, chairman of small business association, TOMER. [83] <> in ji Guido Carinci, shugaban ƙungiyar ƙananan 'yan kasuwa wato TOMER. [84]

#: Carinci, describes the situation asawful,” [85] <> Mr Carinci, ya ce halin da ake ciki ya yi matuƙar muni, [86]

#: saying he has to pay a fee of 300 Swedish kronas (about $35) every month to a company that is then able to deposit cash into his bank account. [87] <> inda ya ce sai ya biya 300 na kuɗin Sweden wato kronas (kimanin dala $35) a kowane wata ga wani kamfani da ke iya kai ajiyar tsabar kuɗi a asusun ajiya a bankuna. [88]

#: It all comes down to profit margins. [89] <> Wannan ya danganta ne ga batun ribar da ake samu. [90]

#: Swedish banks, he says, profit handsomely from charging transaction fees to retailers for card payments, [91] <> Bankunan Sweden sun ce ribar da ake samu wajen cajin kuɗaɗe ga ƙananan 'yan kasuwa domin yin ciniki ta hanyar amfani da kati [92]

#: amounting to millions of kronas annually for the banks, [93] <> ya kai miliyoyin kronas (wato sunan kuɗin kasar) a duk shekara ga bankunan, [94]

#: whereas there is no revenue generated on cash. [95] <> saɓanin yadda ba'a samun komai wajen amfani da tsabar kuɗi. [96]

#: This leaves banks little incentive to accept currency. [97] <> Wannan ya sa bankuna ba su da zaɓi kan batun amsar tsabar kuɗi. [98]

#: Citing the high costs of handling cash and security concerns, [99] <> Yayin da ake danganta tsadar jigila da kuma tsaro wajen amfani da tsabar kuɗi, [100]

#: many Swedish stores have already abandoned their cash tills, including telecommunications giant Telia Company, whose 86 shops nationwide stopped accepting cash in 2013. [101] <> yan kasar Sweden da dama tuni suka ƙauracewa yin hakan waɗanda suka haɗa da katafaren kamfanin sadarwa na kasar Telia da tuni ƙananan shagunan kamfanin suka daina karbar tsabar kudi tun daga 2013. [102]

#: The countrys buses havent accepted currency from passengers for years, [103] <> Motocin safa na ƙasar ma sun daina karbar tsabar kuɗi a hannun fasinjoji fiye da shekaru, [104]

#: and even homeless magazine vendors accept card and mobile payments these days. [105] <> kai hatta wasu masu sayar da mujallu suna amfani da kati wajen hada hada a 'yan kwanakin nan. [106]

#: The problem has become so bad that many of Swedens residents, [107] <> Sai dai matsalar ta yi yawa har ta kai mazauna ƙasar [108]

#: facing the dilemma of what to do with piles of cash that banks dont want, [109] <> sun rasa yadda za su yi da tarin takardun kuɗi da bankuna ba sa so, [110]

#: are even resorting tohiding it in the microwave,” [111] <> inda wasu ke ajiye takardun kuɗi a na'urar da ake ɗumama abinci, [112]

#: according to Björn Eriksson, [113] <> a cewar Björn Eriksson, [114]

#: head of security industry alliance Säkerhetsbranschen. [115] <> shugaban gamayyar kamfanonin dake samar da tsaro wato Säkerhetsbranschen. [116]

#: Cultural ties [117] <> Alaƙar al'adu [118]

#: Attitudes, however, vary significantly within Europe and globally. [119] <> Akwai saɓannin ra'ayi a tsakanin nahiyar turai dama duniya baki ɗaya. [120]

#: Some cultures are still deeply reluctant to give cash up, [121] <> Wasu al'adu basa son rabuwa da tsabar kuɗi, [122]

#: including Germany, whose consumers believe, according to a recent study by the countrys central bank, [123] <> kamar al'ummar Jamus waɗanda sakamakon wani bincike na baya bayan nan da babban bankin ƙasar ya gudanar ya nuna cewa, [124]

#: that using cash gives them better control over their spending. [125] <> wasu jama'a sun fi son a basu tsabar kuɗi wanda hakan ya ke basu damar iya taƙaita kuɗin da za su kashe. [126]

#: In Europes economic superpower, more than 75% of payments are still made in cash. [127] <> A nahiyar turai musamman ƙasashen masu ƙarfin tattalin arziki, har yanzu fiye da kashi 75 cikin 100 na cinikayya ana yin su ne da tsabar kuɗi. [128]

#: In Italy, where the cash culture runs deep, that number jumps to 83%. [129] <> Misali a ƙasar Italiya, inda dabi'ar amfani da tsabar kuɗi ta mamaye ko ina, adadin masu son amfani da tsabar kuɗin ya kai kashi 83 cikin 100. [130]

#: Advances in mobile technology have seen banks leapfrog cash payments in some countries in Africa. [131] <> Cigaban fasahar da aka samu wajen amfani da wayar salula ya sa bankuna da dama sun karkata wajen taƙaita amfani da tsabar kuɗi a wasu ƙasashen Afrika. [132]

#: In Kenya and in Tanzania, for instance, the cashless mobile-banking-system M-Pesa [133] <> Misali, a ƙasashe kamar Kenya da Tanzania tsarin amfani da wayar salula wajen hada-hada da bankuna wato M-Pesa [134]

#: means millions of people now pay bills, [135] <> na nufin miliyoyin mutane yanzu suna biyan kuɗin haya ko na ababen more rayuwa [136]

#: collect salaries, [137] <> da karbar albashi, [138]

#: buy livestock [139] <> da sayen dabbobi kai [140]

#: and even conduct small transactions at local markets via accounts on their mobile phones. [141] <> har ma gudanar da wasu ƙananan ciniki a wasu kasuwanni ta hanyar amfani da asusun ajiyar su na banki dake wayar salular su. [142]