Martanin da masu tsara ƙa’idoji ke bayarwa ga ci gaban sabbin hanyoyin ayyukan kuɗi ne.
Tambayoyi da Ake Yawan Yi
Kan FinTech
An wallafa: May 22, 2025
Sabbin hanyoyin FinTech na sauya fannin kuɗi a Najeriya, amma fahimtar tsarin ƙa’idoji na iya zama ƙalubale. Wannan sashen tambayoyi da amsoshi yana ba da bayyanannun amsoshi masu taƙaitawa ga tambayoyin da aka fi yi kan sharuɗɗan lasisi, tsarin gwajin sabbin hanyoyi ƙarƙashin kulawar ƙa’ida, wajibcin bin ƙa’idoji, da kariyar masu zuba jari a ƙarƙashin sa idon SEC ta Najeriya. Hakan na taimaka wa ’yan kasuwar FinTech, masu zuba jari da sauran masu ruwa da tsaki su samu bayanai kuma su bi ƙa’idoji.
Q1: Mene ne ƙirƙira a fannin ƙa’idoji?
Q2: Shin shirin hukumomin kula da kasuwa na tsara ƙa’idoji ga sabbin hanyoyi ƙoƙari ne na hana ƙirƙira da kafa sabbin kasuwanci?
A’a. A maimakon haka, ƙoƙarin haɗin gwiwa ne na tallafa wa ƙirƙira da tabbatar da cewa tana da aminci ga masu zuba jari, masu gudanar da kasuwa da kasuwar jari gaba ɗaya.
Q3: Wane tsarin cikin gida ne Securities & Exchange Commission ta kafa zuwa yanzu don tallafa wa ƙirƙira?
SEC ta kafa Ofishin Fasahar Kuɗi da Ƙirƙira (FINO) don sauƙaƙa yaɗa bayanai a ciki da wajen Hukumar, sadarwa da masu ƙirƙira da bayar da jagora kan buƙatun ƙa’idoji.
Q4: Waɗanne ƙarin ayyuka Ofishin Fasahar Kuɗi da Ƙirƙira (FINO) ke yi?
Yana duba abubuwan da kamfanonin FinTech suka gabatar, sannan yana daidaita haɗin gwiwa tsakanin sassan gudanarwa na SEC masu sa ido da kula da kayayyaki da matakai a kasuwar jari.
Q5: Ta yaya za a tuntuɓi Ofishin Fasahar Kuɗi da Ƙirƙira (FINO)?
- Ta imel a innovation@sec.gov.ng.
- Ta shafin SEC, sec.gov.ng, don cika fom ɗin tambaya ko amfani da fasalin hira
- Ziyarci FINO a babban ofishin SEC a Abuja
Q6: Shin SEC tana da shirin hulɗa da al'ummar Fintech?
Eh, SEC tana da jadawalin hulɗa da kamfanonin Fintech daban-daban da aka gano. Za a faɗaɗa jadawalin hulɗar yayin da ake gano ƙarin kamfanoni.
Q7: Waɗanne wasu hanyoyin waje SEC ta yi amfani da su don fahimtar tsarin Fintech?
SEC ta ƙaddamar da Kwamitin Taswirar Aikin Fasahar Kuɗi a Nuwamba 2018, wanda ya haɗa da ’yan kasuwar fasahar kuɗi, ƙwararrun fasaha, ƙungiyoyin sana’ar kasuwar jari, hukumomin kula da harkokin kuɗi, bankuna, kamfanonin lauyoyi, cibiyoyin ƙirƙira da ƙungiyoyin fasahar kuɗi.
Q8: Mene ne aikin Kwamitin Taswirar Aikin Fasahar Kuɗi?
Shirya taƙaitaccen hoto na halin ci gaban Fintech na yanzu a kasuwar jari ta Najeriya, da gabatar da cikakken tsari don sauƙaƙa da haɓaka Fintech a matsayin hanyar zurfafa kasuwar.
Q9: Yaya ci gaban Kwamitin Taswirar Aikin Fasahar Kuɗi ya kai?
Kwamitin ya samar da daftarin rahoto, wanda a halin yanzu ake bitarsa.
Q10: Kamfanonin Fintech da ƙirƙira nawa SEC ta yi hulɗa da su zuwa yanzu?
SEC ta yi hulɗa da kamfanoni fiye da hamsin (50) ta fom ɗin tantancewa a shafin SEC da kuma ta tarurrukan hukuma.
Q11: Shin SEC ta yi hulɗa da wata cibiyar ƙirƙira a ƙasar?
Eh, SEC ta yi hulɗa da cibiyoyin ƙirƙira a Abuja da Lagos kuma tana ci gaba da sadarwa da su.
Q12: Shin wasu kamfanonin Fintech sun gabatar da buƙatar a sanya su ƙarƙashin ƙa’idoji?
Eh, wasu kamfanonin Fintech sun nemi izinin gudanar da aiki.
Q13: Shin wani kamfanin Fintech ya samu amincewa daga SEC?
Kamfanonin Fintech guda biyu sun samu amincewar mahukuntan SEC don yin rajista.
Q14: Yaya matsayin tsarin rajistar kamfanonin Fintech da SEC ta amince da su yake?
Ana kan gyara wasu ƙa’idoji don sauƙaƙa rajistarsu.
Q15: Har yaushe ne kafin a kammala rajistar?
Kafin ƙarshen kwata na huɗu na 2019.
Q16: Shin za a rufe kamfanonin Fintech da suke aiki nan take idan suka zo don yin hulɗa da SEC?
SEC ba za ta rufe wani kamfani nan take idan ya zo ba. Maimakon haka, za a tantance haɗarin da ayyukansa ke tattare da shi, sannan a ba shi jagora kan yadda zai shiga ƙarƙashin ƙa’idojin SEC. Amma idan ayyukansa suna da haɗari mai yawa ga masu zuba jari, dole ne ya amince da jagorar SEC kan kare masu zuba jari da daidaiton kasuwa kuma ya aiwatar da ita.
Q17: Tsawon wane lokaci ake ɗauka kafin a samu amincewar SEC don bayar da samfurin Fintech ko aiwatar da wani tsari?
Tsawon lokacin ya dogara da nau’in samfurin da kuma ko SEC tana da ƙa’idoji ko jagorori da suka riga suka wanzu don tsara su.