Hargeysa(Wajaalenews) Qaaradda Asia Caanka ka ah ee Indiantoday, ayaa soo saaray Warbixinta Liis ka kooban 10 dal oo Jamhuuriyadda Somaliland lagu soo daray, kuwaas oo Wargeysku sheegay in Lacagihii qaramaddaasi la haayeen ee dawladdu soo daabacday ay dhamaan waddamadaasi halis ugu jiraan inay ka dabar go’do oo adeegyo kale oo dhanka lacagta Mobile-da layskugu diro (electronic Mobile banking ) iyo Waxyaalo kale ee lagu Isticmaalo looga guuray.

Wargeyska Indiatoday oo Laga Leeyahay Waddanka India, ayaa dhawaan soo saaray Liiska 10 Dal oo dunida ka mid ah, kuwaas oo lacagtii waddamaddaasi la haayeen ee dawladdu soo daabacaysay isla markaana bulshaddu isticimaali jirtay ay sii dabar go’ayso oo laga guuray Isticimaalka lacagta caddaanka ah ee guddaha waddamaddaasi wax lagu kala iibsan jiray, waxaana dalalkaasi kala yihiin 1.SWEDEN, 2. NORWA, 3. DENMARK, 4. BELGIUM, 5.FRANCE, 6.UNITED KINGDOM, 7. SOMALILAND, 8. KENYA, 9. CANADA, 10. SOUTH KOREA, waxaana dhamaan dalalkan lagu sheegay warbixintan laga qoray inay Duruufo badan koodu kala gadisan ay ku timid in lacagahii ay lahaayeen ay suurto gal tahay inay meesha ka baxdo mustaqbalka dhaw.

Tusaale ahaan dalka SWEDEN oo kaalinta 1aad Liiskan ka galay inay lacagtii caddaanka aheyd ee dalkaasi lahaa shacabku Isticimaali jireen waxa looga guuray, Nidaamka (card or online banking) oo ah in Kaadhadhka Lacagtu ku jirto ama Mobile-ka lagu kala dirsado laguna kala iibsado wax kasta, waxaana sida warbixintu sheegtay Cabsida ugu weyn ee arinta keentay ay noqotay dalka Sweden oo Budhcadka Baananka dhaca ku bateen, waxaana hada meesha wax ka baxday Tuugadii wax dhici jirtay maadama oo aanu jirin hal Bangi oo dalka ku yaala oo lacagi dhextaala, dalka kaalinta 2aad galay waa waddanka Norway ii isna ah Dal Qaaradda Yurub ku yaala, waxaana warbixintan cadaysay in guud ahaan dalkaasi ka guuray lacagtii cadaanka aheyd ee dalkaasi lahaa ee wax lagu kala iibsan jiray isla markaana wax lagu kala gato hada nidaamka (pro-electronic banking Money) iyada oo taasi sabab u noqotay in xata meheradaha laga Cunteeyo aan lacag wax lagu kala Iibsan.

Waddanka kaalinta 3aad galay waa dalka Denmark, isaga dalkan xaalkiisa waxa lagu sheegay in Saddex meeloodoow hal meel oo ka mid ahi ay bulshadda dalkaasi wax ku kala iibsadaan Nidaamka Lacag dirista ee (cellphone app MobilePay a monetary transactions) kaas oo ah in Mobilada iyo adeegyadda Internet-ka wax lagu kala iibsado, taas oo sabab u noqotay in muwaadiniinta meheradaha haysta ay diidaan inay lacagta dalkaasi dadka wax kaga iibiyaan, dalka kale ee kaalinta 4aad galay waa wadanka BELGIUM, isaga xaalkiisu meel xun ayaaba marayaa, waxaana sida warbixinta lagu sheegay tiradda guud ee bulshadda dalkaasi 93% ay yihiin kuwa aanay gacantaba ugu jirin lacagta dalkoodu isla markaana wax ku iibsada Nidaamka adeega Kaadhka lacagta ee (a debit card) iyada oo dawladda dalkaasina aanay xaaleynba halista dabar go’a lacagtooda, waxa kaalinta 5. yimid dalka France-ka oo si la mid ah Belgium, la sheegay in 92% dadka reer France ay iskaba daayeen isticimaalka lacagta dalkooda una guureen nidaamka loo yaqaan (contact-less cards and Money-POS to carry), halka uu kaalinta 6. Yimid waddanka United Kingdom (Boqortooyadda Ingiriiska) , dalkani sida la sheegay shacabkiisu waxa la ogaaday in 89% aanay lacagta dalkooda si toosa u qaadan balse ay isticimaalaan nidaamka lacag isticimaalka ee (digital banking for Money transportation), taasi oo la tilmaamay inay halis ku tahay dabar go’a lacagtooda.

Sido kale kaalinta 7aad ee dalalkaasi lacagtooda laga dayrinaayo inay dabar go’ ku dhaco wakhti dhaw, waxa kamid ah Jamhuuriyadda Somaliland, waxaana warbixinta lagu sheegay in kasta oo uu dalkani yahay mid yar oo aan dunidu aqoonsaneyn isla markaana waddamadda dunida ugu faqrisan ku jiro, in hadana lacagta Shillin-ka ee Somaliland ay u muuqato mid meesha ka sii baxaysa maadama oo bulshaddu inta ugu badan wax ku kala iibsato Adeegyadda lacagaha Mobile-da wax layskugu diro oo shirkaddo gaar loo leeyahay gacanta ugu jira sida adeegyadda Zaadka ee Shirkadda Telesom iyo E-Dahab ee Shirkadda Somtel, arintaas oo la sheegay inay xata mararka qaar hawada ka baxdo nidaamka lacag dirista ee bulshaddu Mobile-da ka isticimaasho Cilado hawada oo mashquusha ku yimaada arintaas oo halisteeda leh, Waddanka Kenya ayaa kaalinta 8aad isagu soo galay, waxaana bulshadda dalkaasi la sheegay inay guud ahaan isticimaalaan nidaamka Mobile-ka lagu isticimaalaan ee (M-Pesa, a cellphone-based money transfer app), kaas oo si weyn gaabis uga dhigay in lacagtii dawladdu soo saartay ee dalkaasi si fiican loo isticimaalo, halka kaalinta 9aad uu galay CANADA iyada oo kaalinta 10. uu galay dalka SOUTH KOREA.