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‫فوائد‬
‫نظام‬
‫الرواتب‬
‫التقاعدية‬
‫الرقمي‬
‫تتحول‬
‫البلدان‬
‫من‬
‫نظام‬
‫دفع‬
‫المعاشات‬
‫التقاعدية‬
‫التقليدي‬
‫إلى‬
‫نظام‬
‫القياسات‬
‫الحيوية‬
‫كجزء‬
‫من‬
‫رقمنة‬
‫جميع‬
‫الخدمات‬
.‫الحكومية‬
‫نظرا‬
‫ألن‬
‫خدمات‬
‫الدفع‬
‫اليدوي‬
‫تعتمد‬
‫بشكل‬
‫كبير‬
‫على‬
‫البنية‬
‫التحتية‬
‫والقوى‬
‫العاملة‬
‫واإلمدادات‬
‫والخدمات‬
‫اللوجستية‬
،
‫فإن‬
‫االحتيال‬
‫والتسرب‬
‫متكرران‬
‫في‬
.‫النظام‬
‫يمكن‬
‫جعل‬
‫عملية‬
‫صرف‬
‫المعاشات‬
‫التقاعدية‬
‫أبسط‬
‫وبأسعار‬
‫معقولة‬
‫من‬
‫خالل‬
‫استخدام‬
‫نظام‬
‫رقمي‬
‫مدعوم‬
‫بالمصادقة‬
.‫البيومترية‬
‫ألق‬
‫نظرة‬
‫على‬
‫المعلومات‬
‫التي‬
‫تحتاج‬
‫إلى‬
‫معرفتها‬
‫حول‬
‫نظام‬
‫دفع‬
‫المعاشات‬
‫التقاعدية‬
‫الرقمي‬
.‫المستخدم‬
‫قيود‬
‫نظام‬
‫التقاعد‬
‫التقليدي‬
‫يلعب‬
‫المسؤولون‬
‫المحليون‬
‫دورا‬
‫رئيسيا‬
‫في‬
‫نظام‬
‫دفع‬
‫المعاشات‬
‫التقاعدية‬
.‫التقليدي‬
‫يقوم‬
‫المسؤول‬
‫بتجميع‬
‫قائمة‬
‫بالمتقاعدين‬
‫وإرسالها‬
‫إلى‬
‫الرئيس‬
‫للتحقق‬
‫منها‬
‫وتحويل‬
.‫األموال‬
‫تشمل‬
‫هذه‬
‫القائمة‬
‫المتقاعدين‬
‫المؤهلين‬
‫حديثا‬
،
‫ومبالغ‬
‫المعاشات‬
‫التقاعدية‬
‫المحدثة‬
،
‫والمتقاعدين‬
.‫المتوفين‬
‫تحتوي‬
‫هذه‬
‫القائمة‬
‫على‬
‫العديد‬
‫من‬
‫األخطاء‬
،
‫وبسبب‬
‫عدم‬
‫وجود‬
‫شفافية‬
،
‫لن‬
‫يكون‬
‫المتقاعدون‬
‫على‬
‫دراية‬
‫بمبلغ‬
‫المعاش‬
‫التقاعدي‬
.‫المحدث‬
‫يجب‬
‫أن‬
‫يكون‬
‫المتقاعدون‬
‫حاضرين‬
‫باستمرار‬
‫في‬
‫مكتبهم‬
‫اإلقليمي‬
،
‫جنبا‬
‫إلى‬
‫جنب‬
‫مع‬
‫بطاقة‬
‫الهوية‬
‫ودفتر‬
.‫الحسابات‬
‫كل‬
‫هذا‬
‫سيرفع‬
‫سعر‬
‫صرف‬
‫المعاشات‬
‫التقاعدية‬
‫ويزيد‬
‫من‬
‫خطر‬
.‫االحتيال‬
‫كيف‬
‫يمكن‬
‫لنظام‬
‫التقاعد‬
‫الرقمي‬
‫المساعدة؟‬
‫في‬
‫النظام‬
‫التقليدي‬
،
‫يكون‬
‫مسؤول‬
‫المعاشات‬
‫مسؤوال‬
‫عن‬
‫إضافة‬
‫المتقاعدين‬
‫والتحقق‬
‫من‬
‫وفاة‬
.‫المتقاعد‬
‫من‬
‫خالل‬
‫إزالة‬
‫هذه‬
‫التسلسالت‬
‫الهرمية‬
،
‫تمكن‬
‫مدفوعات‬
‫المعاشات‬
‫التقاعدية‬
‫الرقمية‬
‫المتقاعدين‬
‫من‬
‫االشتراك‬
‫في‬
‫النظام‬
.‫مباشرة‬
‫يجب‬
‫عليهم‬
‫تقديم‬
‫البيانات‬
‫البيومترية‬
‫جنبا‬
‫إلى‬
‫جنب‬
‫مع‬
‫معلوماتهم‬
‫الديموغرافية‬
‫والمهنية‬
‫أثناء‬
.‫التسجيل‬
‫يمكن‬
‫تحديد‬
‫المتقاعد‬
‫في‬
‫أي‬
‫مكان‬
‫ويمكن‬
‫تأكيد‬
‫مبلغ‬
‫المعاش‬
‫التقاعدي‬
‫من‬
‫خالل‬
‫البيان‬
‫بفضل‬
‫المعلومات‬
‫البيومترية‬
‫المحفوظة‬
‫في‬
‫النظام‬
.‫المركزي‬
‫يمكن‬
‫لنظام‬
‫المعاشات‬
‫التقاعدية‬
‫البيومتري‬
‫أن‬
‫يخفض‬
‫تكلفة‬
‫صرف‬
‫المعاشات‬
‫التقاعدية‬
‫في‬
‫الدول‬
‫ذات‬
‫البنية‬
‫التحتية‬
‫المالية‬
.‫الضعيفة‬
‫باإلضافة‬
‫إلى‬
‫ذلك‬
،
‫قد‬
‫يكون‬
‫النظام‬
‫التقليدي‬
‫مهددا‬
‫من‬
‫قبل‬
‫العدد‬
‫الكبير‬
‫من‬
‫المتقاعدين‬
‫والمهاجرين‬
‫غير‬
‫المحددين‬
‫بدال‬
‫من‬
‫نظام‬
‫القياسات‬
.‫الحيوية‬
‫حيث‬
‫ان‬
‫نظام‬
‫القياسات‬
‫الحيوية‬
‫دقيق‬
‫وقادر‬
‫على‬
‫التعامل‬
‫مع‬
‫اإلنتاجية‬
.‫العالية‬
‫كيف‬
‫يمكن‬
‫للمتقاعدين‬
‫االستفادة‬
‫من‬
‫النظام‬
‫الرقمي؟‬
‫الذي‬
‫الحظه‬
‫بهاء‬
‫عبد‬
‫الهادي‬
‫ان‬
‫استخدام‬
‫من‬
‫المفترض‬
‫صناديق‬
‫التقاعد‬
‫جزءا‬
‫من‬
‫إيجاد‬
‫االخدمة‬
‫السريعة‬
‫للمتقاعدين‬
.
‫ومع‬
‫ذلك‬
،
‫لألسف‬
،
‫من‬
‫أجل‬
‫الحصول‬
‫على‬
‫مستحقاتهم‬
‫التقاعدية‬
‫وإظهار‬
‫أنهم‬
‫ما‬
‫زالوا‬
‫على‬
‫قيد‬
‫الحياة‬
،
‫يجب‬
‫على‬
‫المتقاعدين‬
‫المثول‬
‫في‬
‫مكتب‬
‫هيئة‬
.‫التقاعدية‬
‫يجب‬
‫على‬
‫ألمنتقاعدين‬
‫تسليم‬
‫شهادة‬
‫الحياة‬
‫إلى‬
‫الجهة‬
‫المسؤلة‬
‫إذا‬
‫لم‬
‫يقدموا‬
‫الشهادة‬
‫الصادرة‬
‫عن‬
‫السلطة‬
‫التي‬
‫خدموا‬
‫فيها‬
.‫سابقا‬
‫هذا‬
‫سيضع‬
‫المتقاعدين‬
‫في‬
‫سنواتهم‬
‫األخيرة‬
‫من‬
‫خالل‬
‫قدر‬
‫كبير‬
‫من‬
‫المشقة‬
‫واإلزعاج‬
‫غير‬
‫الضروري‬
.
‫الهدف‬
‫من‬
‫حل‬
‫المعاشات‬
‫التقاعدية‬
‫الرقمية‬
‫هو‬
‫جعل‬
‫المصادقة‬
‫أكثر‬
‫مالءمة‬
‫وسهولة‬
.‫للمتقاعدين‬
‫ونتيجة‬
‫لهذا‬
،‫الجهد‬
‫لن‬
‫يطلب‬
‫من‬
‫المتقاعدين‬
‫بعد‬
‫اآلن‬
‫المثول‬
‫شخصيا‬
‫أمام‬
‫الوكالة‬
‫التي‬
‫تدفع‬
‫األموال‬
‫أو‬
‫سلطة‬
.‫التصديق‬
‫سيتفيد‬
‫كبار‬
‫السن‬
‫بشكل‬
‫كبير‬
‫ويزيل‬
‫التحديات‬
‫اللوجستية‬
‫الغير‬
.‫الضرورية‬
www.bahaaabdulhadi.net
‫شكرا‬
‫لك‬
‫على‬
‫اهتمامك‬
‫بمدونات‬
‫بهاء‬
‫عبد‬
.‫الهادي‬
‫المزيد‬
‫من‬
،‫المعلومات‬
‫على‬

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فوائد نظام الرواتب التقاعدية الرقمي.pdf