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E PAYMENT HISTORY

 Er. Chhungpuia Renthlei

Pawisa chetvel dan

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 Cyber
Coin 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 epayment 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.

Pawisa Note

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

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 ni

Series pawisa note

Kum 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.

CARD /ATM

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  Pawisa Khawvel

Digital /Mobile Wallet hmasa 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.

Demonitisation (Pawisa tih thih)

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.