E
PAYMENT HISTORY
Er. Chhungpuia
Renthlei
Computer
guru an tih mai, English computer thiam
hmasa Sir Tim Berners Lee – an kum 1991 a
mipui vantlang tana World Wide
Web server hmasa ber a buatsaih kha
e-payment sulsutu pawimawh ber zinga mi kan ti lo thei lo ang. Kum 1994
khan Stanford
Federal Credit Union first
financial institution din a ni. Hei hi
financial institution zinga online internet banking
services ti thei hmasa ber a ni. Internet kaltlanga thil lei leh hralh ( Online
marketing) hmasa ber hi hriat theih
chinah kum 1994 a Pizza Hut hovin
an thil siam a hralh kha a ni. E- Payment hmasawnna atana pawimawh tak pakhat chu online commerce hi a ni bawk. Kum
1979 kum daih tawh khan Michael Aldrich chuan Phone call kaltlanga
sumdawnna technology a lo hmang tawh .
A tirah chuan e-payment hi a
awlsam lo hle. Kum 1995 a din Millicent
te kha e-payment market hmasa te
an ni . Tichuan, Kum 1996 ah ECash or CyberCoin te an siamchhuak leh ta a. Hun
a kal zela, smart phone hmangtu te kan
pung chho zel a, mi tam zawk ten
Computer leh Laptop aiin Mobile
phone hmanga thil lei an duh zawk
avangin Mobile Application software
pawh an siam chhuak tam tial tial a. Khawvel
pum huap in Asia khawmualpui hi online a
thil lei tam ber ram kan ni hial mai. Asia ah rau rau pawh South
Korea hi a uar ber ram an ni nghe nghe. Khawvela Mobile hmanga thil leh leh
hralh 33% lai mai hi US a mi a ni. Khawvela internet
hmangtu 40% te hian desktop, mobile,
tablet leh online hmanraw hrang hrang
hmangin bungrua kan lei bawk.
Online hmanga sumdawnna hi khawvela
industry thang chak ber a ni . India ram bikah chuan online
a bungraw lei leh hralh tam lamah phei chuan hmeichhia aiin mipa kan tam
filawr hle. A let thum laiin kan tam a ni. Asia-Pacific region hi khawvela
internet kaltlanga sumdawnna thang chak ber kan ni a, China hi an sang ber a,
India pawhin china kan umpha teuh hle bawk
Mithiam
te chhut danin chuan kum 2020 ah
chuan India rama e-payment hian US
dollar tluk leh dingawn 500 lai a tlin an ring. India GDP pawh 15% lai e paymentah a luang tawh ang.
Tin,
India rama internet hmangtu za a sawmnga (50%) te hian kum 2020 ah chuan
e-paymnet a tan kan hmang tawh bawk ang.India mipui 90% te hian bill pekna leh thil tul hrang hrangah e-payment hi offline leh online in kan
hmang ang.Google leh AT Kearney chhut
danin kum 2015 khan internet kaltlanga e-payment ti tu te hi online banking 9%, Mobile Wallet 8%, Credit card 11% , Cash
on delivery 57% niin, Kum 2020 ah ve thung chuan online banking 10%, Mobile Wallet 15%, Debit card 17% , Cash on delivery 45% a ni tawh
ang.
Nu valai zing tawngtai thupui thawh ang
deuhvin, rilrua ah sawi tel chak riau a lang ve tlat vang te pawh ani ange, khawnge E-
payment a kan luh tak tak hma in kum
zabi 18 atanga vawin thlenga India rama
pawisa chungchanga thil thleng langsar zual han tarlang lawk teh ang hmiang.
Kum
zabi 18 tawp lam, kum 1700 tawp lam khan
pawisa note hi India ramah kan hmang tan.
Tin,
British ho khan Kum 1773-75 daih tawh khan General bank of Bengal and Bahar an
lo din tawh a, Kum1883 khan Portuguese
ho in Rupia note an lo siam daih tawh bawk.Hei hi kum 1961 thleng khan an hmang
nghe nghe. Tunhma chuan India a pawisa note te hi Bank of England in
an print thin. Kum 1928 ah Nashik ah India ramah pawisa note printna
khawl siam a ni a, heta tang hian pawisa notes print zel a ni ta. Kum 1935 kum atang khan Inda ramchhunga pawisa
enkawlna hna hi RBI hnenah hlan a ni.
Kum 1938 kum khan RBI chuan RS 10,000 note a siamchhuak a, hei
hi India rama pawisa note lian ber a la ni. Kum 1949 khan India independence hnua note hmasa ber
Ashoka pillar chuang pawisa note an siam
tan. Pawisa thir kan tih mai, Anna Series hi 15th August 1950
khan India Republic hriatreng nan India ah hman tan a ni.
Kum 1957 khan
chengkhat thir hi hman tan a
ni.Kum 1967 atangin Aluminium thir hmangin an siam a niKum 1983 atang khan
India pawisa notes ah India ram hmasawnna kawng hrang hrang tilang thei milem
dah tel a ni. Kum 1980 ah Scientific and economics progress symbol dah a ni. Kum 1985 atangin RBI in Rs 500 note a siam. Kum
1996 khan vawin thlenga kan la hman Mahatma Gandhi Series pawisa note siam a
ni. Hei vang hian pawisa note ah Mahatma Gandhi lem kan hmu
zel ta anih hi.
Kum
1887 daih tawh khan Edward Bellamy chuan a lehkhabu ah khan Credit card tih tawngkam hi thil lei nan a lo tarlang tawh. Electronics
money tih tawngkam hi kum 1946 a Federal Reverse ten Telegraph kaltlanga pawisa
an in thawn atang khan an lo hmang tawh bawk.
Kum
1946 khan Brooklyn, New yeark a banker chuan bank card hmasa ber an hmang
Kum
1968 khan Aumated Baggage-handling
company department head Donald Wetzel ,
US chuan networked ATM a lo ruahman tawh bawk. Kum 1974 khan
Electronics Payments Association (NACHA)
din a ni. Debit card hmasa ber chu kum 1978 khan First National Bank os
Seatle te chuan an hmang. Credit card hmasa ber chu kum 1979 khan Visa chuan an hmang bawk.
Tunlaia Card kan swipe ang chi khawl an
siam bawk.
Kum 1979
khan Michael Aldrich a chuan Online shopping a hmuchhuak bawk. Hei hi
khawvela e-commerce hmasa ber a ni. Online a thil lei hmasa ber chu Pi Jane
Snowball a ni. Kum 1984 khan
Television kaltlangin Tesco company atangin hmawmsawm a lei. Digital
/Mobile Wallet hamsa ber chu kum 2007 khan M-PESA te chuan an siam. Digital
currency hmasa ber chu Bitcoin a ni. kum 2009 khan siam a ni.
Kum 1970 atang khan Electronics khawl hmanga pawisa che vel verify nan magnetic band an hmang bawk. ATM Card
leh PIN hi point of sale khawlah an hmang bawk.
Kum 1990 atang phei kha chuan Point of Sale khawl hrang hrangah Chip
technology an hmanga, microprocessor hmangin
information tam tak an khawlkhawm tawh a ni. Kum 2014 khan financial transaction atan Biometric
technlogy Biometric card
siamchhuah a ni bawk. . Kum 2012
khan mobile payment hmang hian US dollar tluk leh dingawn 163.1 zet a
virkual tawh a ni.Tunah hian Business
hrang hrang 40% laiin e payment hi an pawm tawh.16 % te hian kum 2015 atang khan Mobile hmanga e
payment software application an buaipui
tawh bawk
Kum 2017 kan thlen meuh chuan keini
mizoramah pawh Aadhaar Card hmangin pawisa kan inthawn thei tawh a nih hi.
e-payment hi eirukna leh pawisa
chheprel tih bo na atan India sorkar
chuan a hmang tangkai hle. India rama pawisa tih thih ( demonitization) hmasa
ber chu kum 1946 a ni. Hetah hian Rs 500, Rs1000 leh RS 10,000 note tih thih a ni. Hemi hnu ah
kum1978 ah tih thih leh a ni.Hetah hian Rs 5000 leh RS 10,000 note tih thih a
ni. Tin, kan hriat theuh angin Kum 2016 kum tawp lamah Rs 500 leh Rs 1000 notes
tih thih a nih kha kan hre theuh awm e
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