Fket-asen ifecka n tkarṭa i iyaglaen
Adrim s wakkaḍ yetmettat. Tismeti tetmettat akkenwa. Asegmaḍ d ifecka n usefra n teɣiwa, maca s tidet, deg tmurt s aṭas n udrim, ur ilaq ad sɛun yiles.
4 Mayyu 2026 4 min read
Fket-asen ifecka n tkarṭa i iyaglaen
Tedduyt ɣef ubrid d iyaglae.
Ɛecrin iseggasen aya, ahat tesɛiḍ snat n tdrimin deg uǧib-ik. Ahat ad tessrasaḍ yiwet deg lqim. Asegra yella d arsil. Yesɛa kra ur yesɛa uqbel. Tḥusseḍ akken d-icclim mi tɛeddiḍ ɣef wnaẓal. Ulac win ad ittɛuyaḍ.
Tura ulac adrim deg ufus-ik. Akarat-ik n transit yella deg tilifun-ik. Lqehwa-k tetxellseḍ-tt s ttap n ssaɛa-k. Tegmida-k tetwasekkad deg self-checkout. Ulac tidrimin, axaṭer ur teḥwaǧeḍ tidrimin. Tafrut akk n tismeti tamecṭuḥt i tella tedduyen gar ibarraniyen, tarbeɛt dagi, tadeerdimt dinna, tafru s ttawil.
Aglae mazal yella deg ubrid. Lqim mazal yella. Maca asegra i yelan iccaru lqim ur iteddu ara.
Aẓmek yenɣa tismeti. Akkaḍ ulac aẓmek. Usenneg atumal yesɛa aẓmek mehbel.
Mačci d aɣbel ufayan. Di ɛecrin iseggasen iɛeddan, tismitiyin i imdanen iyaglaen n ubrid ɣlin di tnaman ulac-akkaḍ. Suède, amelqef di usefra atumal, twala-d tismeti n usenneg tegli s tnerni deg 2010-yat akken yeɣli useqdec n akkaḍ ddaw 10% n isegra. Ablaḍ-nni iteddu di yal amkan akkaḍ yruḥ: Korya n Wfella, Hollanda, s tnerni Kanada d UK.
Kra iyaglaen ɛerden ad d-amlin. Adrumis amecṭuḥ snefel imiḍanen GoFundMe, srusten imekkanen n Venmo ɣef warzizen n ulkartun, qebblen isnaqalen n bank. Ddunt i drus n medden i sɛan ssifat atikniki yerna ttwasenen n ad d-jemɛen unagad. Ur teddunt ara ɣef smuked. Tuget n medden i d-iteddun ur ttḥebbsen ad ssufɣen tilifun-nsen, ad ssekkden QR code n ubarrani, ad kecmen deg usnas n bank, ad ssemden asnaqal i yiwen udulaṛ.
- Drop a coin in the cup
Pick a way to give, then watch the passer-by.
| Tamurt | Aḥric n akkaḍ deg isegra | Tismeti taɣaramt n ubrid |
|---|---|---|
| Suède | <10% (2020yat) | Tegli am akkaḍ |
| Korya n Wfella | <15% | Tnaqsut tameqrant |
| Hollanda | <20% | Tnaqsut tameqrant |
| Kanada | 20–30% yerna teɣli | Tnaqsut tezayent |
Anida akkaḍ yruḥ, tidrimin timeẓyanin i icaren lqim yeddunt yid-s. Tatiknulujit i tt-yerran ulac amek tebnu abrid i tismeti n ubrid.
Fkit-asen iyalen. D tirgit tamecṭuḥt, yerna tinefqit-nsen d ulac.
A small contactless terminal
Acu ma yili yal aglae, s usuden d teɣiwa-s, ad as-d-tetwafak ifekken amecṭuḥ n contactless? Tilemẓi i d-yetfekkar Square neɣ Stripe ilelli i tinezzin timecṭuḥin.
01
Temdint tesfaḍ amerɣiḍ yella deg unagraw n usefa n tnezduɣt
02
Temdint d-tefkar ifekken ittwasentem + amiḍan icudden
03
Win ittɛeddi yenher tikarṭa neɣ tilifun, ssuma d-yetwafarnen tetwasaqal
04
Idrimen ttalin ɣer umiḍan n umerɣiḍ, s usefrek n temdint
Aktal-nni n usentem am yiwen yiles n usaḍufan ɣef ulemmes n Visa/Mastercard. Henher kemmel.
Iyles iqim deg lqim-is neɣ ɣef warzizen-is. Win ittɛeddin i ibɣan ad isemmeg yhenher tikarṭa-s neɣ tilifun-is ɣer iyles. Ssuma tetwafarnen, ad nini $2, tetwasaqal ɣer umiḍan ittwasentemen. Asegra akk yedda di yiwen tasint. Ulac QR code i useked, ulac asnas i wlli, ulac asnaqal n talɣut. Henher kemmel.
Tamekanikit meqqret d akken ifekken ttwafkar yerna ttwasentem sɣur teɣiwa. Yal yiles ittwakles i umdan ufiḍ s uɣawas n temdint. Amiḍan i deg yetwasaqal yetwalli s tɛiwint n usfa atimettiyan n temdint. Aya yefra sin n iɣbelan imeqranen i d-qaren medden.
Amezwaru, talwit. Mebla asentem n teɣiwa, aɣbel ufuhem d hacking, iyles ay-ineɣen i d-iṭṭafaren ifecka n tkarṭa. S iyalen i d-yetfekkar temdint, iqeqimen yal lweqt, ɣef ulemmes contactless Visa/Mastercard ittwasaḍufen, aɣbel-a ur yif-it ara ufaffat ɣer henher n tkarṭa-k di yal tnezzin tamectuṭ-nniḍen. Tafrut tella. D nettat i d-yefkkar yal abeyyaɛ n ubrid neɣ truck n učči.
Wis-sin, akellex. Imdanen ttɣalen n iguraf, yiwen s yiles ur nelli aglae, neɣ yiwen yesseqdac adrim i tɣawsiwin i ur ibɣa amenneg ad ifkkar. Asentem n teɣiwa yarra ɣef amezwaru; iyles d-yetwafak kan s uɣawas i d-isenter belli umdan yella deg unagraw n usefa n tnezduɣt n temdint. Aɣbel wis-sin d tilawit maca yedda diɣen i akkaḍ; tadrimt i d-tetfekkar d tadrimt i ad isseqdac umerɣiḍ amek yebɣa, yerna tuget n imedyaten ifrakman n tismeti qebblen ayagi.
Amedya n iyles yetwaɛred, s yiswaḍen yemxalafen, di Amsterdam, Stockholm, kra n London, kra n temdinin US. Tatiknulujit teddu. Asnerni yella d amecṭuḥ d ur ittwasefqed ara. Yesseḥwaǧ ad yili d alazi.
Maca atan aḥric ad d-iniɣ s wezgen, axaṭer tifrat n yiles d, n tidet, anasrar.
Deg tmurt s usreɛ n tudert akk n yiwet tdamsa isnernan deg 2026, ur ilaq ad ilin iyaglaen s waṭas. Akken llan, di yal temdint tameqqrant taɣarbit, mačci d ineggura n tigaza n tudezant. D nettan d aneru n amek tudezant tetwafsel.
Tuget n tmurin isnernan sufuɣen-d gar 30% d 50% n GDP-nsent ɣer unaman. Aḥric meqqer seg-s d iɣawasen atimittiyan. Tanezduɣt, ladɣa, d amxater iɛriqan, asebnu, asefra, asengmir akken ad tilis i imdanen i ur zmiren ad d-aɣen tanezduɣt n ssuq.
Maca di San Francisco, Vancouver, Sydney, Paris, Berlin, Toronto, tayaglawt ad temɣur deg sin n teqdiarin. Mačci axaṭer aysum d tigatit. Axaṭer tabaɣest tasertant akken ad d-bnun tanezduɣt s usuref i yesseḥwajen tella d arusin, yerna anigrawen i ilaq ad d-iṭṭefen imdanen uqbel ad d-iruḥen deg ubrid, tasyada n teftek n wallaɣ, asefra n usidem, tanezduɣt n usimɣur, tɛiwint n uxeddim, d wid n tinekkit drust, d ifrurqen, d aṭas n tikkal ḥerren mgal imdanen i ad iɛiwnen.
Aglae yesɛan iyles d aneru ifaz ɣef uyaglae s lqim ilemt. Maca tellit n umdan iyaglae d nettat d ssbab n tidet. Iyles d alazi adlasan amecṭuḥ ɣef ufukk umkeluɛ ifenten.
Snat n tisitin.
Aɣawas n iyles ilaq ad iqim d asyaḍ atinukrasi ɛadi di yal temdint s tayaglawt. Tinefqit n tatiknulujit d tireet. Asefrek d amecṭuḥ. Tarbeḥt i imdanen i ttdiren deg ubrid d wid n tilawit. Timdinin i ur xedmen ara ayagi ilaq ad t-xedment.
Maca aṣleḥ akemmel iteddu seg ufella. Bni tanezduɣt, atunisib, atimitti, atumeɣreyt. Sefqed asyada n teftek n wallaɣ i imdanen zmiren ad as-d-aɣen, mačči kan ad sɛun uṭṭun tilifun. Erra asidem d aṭṭan n teẓmert, mačči d ddnub. Erra abeddel seg uɣbel akadeɣ ɣer tameddurt tafraddagit am d arxis, mačči am d aweɛr. Ulac kra seg-s d aɣawas. Finlanda texdem tuget seg-s, tnaqes ad tegru ɣer berra s aṭas n 80% s tasertit "Tanezduɣt amezwaru" i tetwasleḍ, i tetwarcec, yerna i tetwasenker mliḥ deg yimukan-nniḍen.
Ulac tamurt isnerni deg 2026 anida tellit n tayaglawt n ubrid d aɣbel atidamsan. D aɣbel asertan. D afranan. Yerna iyles d tiriri tinukrasit i tegnatit ay-ur ilaq ad tilin ula d yiwet tikkelt.
Sɛeddan 20 iseggasen nebenna-d tafrut n usefra ifazen di umazray. Trilionin n iyuṛujen ttɛeddint deg-s yal ass, ɣef tnerni n ulac, tezreb ugar n wayen yezmer ad iẓer aleqdem amezwaru.
Ur nessneflu ara amek ad nesker deg unagraw-yi iɛeggalen ifazen ittbanen, ufayen ifazen, deg yiɣiwen-aɣ. Yetwaǧan-d ar deffir am d-yetwasekcam asnegmir i yegra-aɣ. Lqim yella d ilem axaṭer unagraw i izenz d-yetcaru ur ddu ara di tdamsa-yi.
Fkit-asen iyalen. D tirgit tamecṭuḥt, yerna tinefqit-nsen d ulac.
Sakin bnu tanezduɣt. Sefqed asyada. Frik aɣbel akemmel.
Iyles d alazi. Lqim ilem d aweli. Nezmer ad nexdem sin.
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