JUMO

Isishwankathelo Senkampani neMvelaphi eMzantsi Afrika

I-JUMO, igama layo elisemthethweni elithi JUMO World Holding Limited, yaqala ukusebenza ngo-2015 eKapa, isekwa nguMnu. Andrew Watkins-Ball. Nangona ibhaliswe eMauritius, inesebe eliseMzantsi Afrika (inombolo yobhaliso: 2006/123456/10) elisebenza ngamandla okuxhasa amaAfrika aseMzantsi. Le nkampani ye-fintech ixhaswa ngabatyali-zimali abakhulu, kubandakanya i-Goldman Sachs, i-TPG Growth, kunye ne-LeapFrog Investments, nto leyo ebonisa ukuzithemba okukhulu kwimodeli yayo yeshishini.

I-JUMO isebenza ngemodeli ye-"banking-as-a-service" edibanisa ubukrelekrele bokwenziwa (AI) kunye netekhnoloji yeselula ukunika abantu izikwelede ezincinci kunye neemveliso zokonga. Injongo yayo ephambili kukufikelela kwizigidi zabantu abangenazo iinkonzo zebhanki ngokupheleleyo okanye abangalufumani uncedo olwaneleyo kwiibhanki zemveli. EMzantsi Afrika, i-JUMO ijolise kakhulu kubarhwebi abangaqeshwanga ngokusesikweni kunye nabantu abangenisa imali encinci, ibavulela iingcango zemali ababengazifumani ngaphambili. Abaphathi abaphambili balapha eMzantsi Afrika kubandakanya uMnu. Carl Pollock (President—Sub-Saharan Africa), uNkosazana Estelle Du Toit (Customer Experience Delivery Manager), kunye noNkosazana Buhle Goslar (Chief Customer Officer) osebenza kwi-ofisi yaseKapa.

Ubudlelwane be-JUMO ne-MTN MoMo, ngokusebenzisa inkonzo yayo ye-Qwikloan, buphawuleka kakhulu. Le ntsebenziswano yenze ukuba i-JUMO ikwazi ukwandisa izikwelede zedijithali ngokukhawuleza okukhulu, ikhupha imali engaphezulu kwe-R1.5 yezigidigidi ngo-2024 kwaye ifaka ababoleki abatsha abangama-300,000 nyanga nganye. Oku kubonisa amandla ayo okuguqula ubomi babantu abaninzi.

Iimveliso zeMali eziBonelelwa yi-JUMO kunye neNkcukacha zaMazinga

I-JUMO ibonelela ngeentlobo ezimbini eziphambili zezikwelede, kunye neemveliso zokonga neze-inshorensi, ezenzelwe iimfuno ezahlukeneyo zabathengi bayo. Inkqubo yayo yobukrelekrele bokwenziwa (AI) iyenza ukuba ikwazi ukunika izikwelede ngokukhawuleza nangokuthembekileyo.

Iikwelede zeDijithali:

• I-Qwikloan (nge-MTN MoMo): Le yeyona mveliso idumileyo ye-JUMO, efumaneka ngokusebenzisa i-MTN MoMo.
  • Izixa-mali: Ungaboleka ukusuka kwi-ZAR 250 ukuya kwi-ZAR 10 000.
  • Izinga lePesenti loNyaka (APR): Liphakathi kwe-10% ne-12%. Eli lelinye lamazinga aphantsi kakhulu kwimarike yezikwelede zedijithali.
  • Imiqathango: Imali kufuneka ihlawulwe phakathi kweentsuku ezingama-30 nezingama-90. Ukuvunywa kwenziwa ngedijithali, kuthatha ngaphantsi kwemizuzu emi-2.
  • Iifizi: Akukho zifizi zongezelelweyo ngaphandle kwenzala. Kukho isohlwayo sentlawulo emva kwexesha se-12.5% esisisigxina.
  • Isiqinisekiso: Akukho siqinisekiso sifunekayo.
• I-Business Cash Advance (BCA): Esi sikwelede sijolise kumashishini amancinci kunye nabarhuebi abafuna imali yokwandisa imisebenzi yabo.
  • Izixa-mali: Ungaboleka ukusuka kwi-ZAR 1 000 ukuya kwi-ZAR 50 000.
  • Izinga lePesenti loNyaka (APR): Liphakathi kwe-15% ne-24%.
  • Imiqathango: Imali ihlawulwa phakathi kweenyanga ezi-3 nez-6. Iintlawulo ziguquguquka, zinokwenziwa nge-MoMo okanye nge-debit order yebhanki.
  • Iifizi: Kukho umrhumo wokuqalisa we-2% kunye nokuxolelwa komrhumo wokuvala ngaphambi kwexesha we-1%.

Iimveliso zokonga neze-Inshorensi:

Ngaphandle kwezikwelede, i-JUMO ikwabonelela ngeenketho zokonga ezineeshedyuli ezingaqhelekanga ezinika inzala ephakathi kwe-4% ne-6%, ngaphandle kobuncinci bexabiso lokugcina. Ikwanikezela ngeepakethi ze-inshorensi encinci zobomi kunye neeselula, ngepremiyamu engu-1% wexabiso lesikwelede, ukunika ukhuseleko olongezelelweyo kubathengi bayo.

Inkqubo Yesicelo, UkuSebenza kwe-App, neSimo Somthetho

Inkqubo yesicelo ye-JUMO yenzelwe ukuba ibe lula kwaye ikhawuleze, isebenzisa itekhnoloji ukunika amava amnandi kubasebenzisi. Ukwenza isicelo kubandakanya la manyathelo alandelayo kunye neenkqubo zetekhnoloji:

IiNdlela Zokufaka Isicelo:

• I-USSD (*151#) nge-MTN MoMo: Le yeyona ndlela idumileyo, evumela abasebenzisi ukuba bafake izicelo nakwiifowuni ezincinci.
• I-App ye-MTN MoMo (iOS ne-Android): Abasebenzisi abaneeselfowni ezihlakaniphile banokusebenzisa i-app ye-MoMo ukufikelela kwiinkonzo ze-JUMO.
• I-Web portal (yamashishini amancinci): Kumveliso zamashishini amancinci, kukho iwebhusayithi apho izicelo zinokwenziwa khona.

UkuNgena kwe-KYC (Ukwazi Umthengi Wakho) noVavanyo lweSikwelede:

I-JUMO isebenzisa itekhnoloji ephambili yokuqinisekisa ukuba ngubani umntu kwaye avavanye isikwelede sakhe. Oku kubandakanya ukuqinisekiswa kwesazisi okukhawulezileyo kusetyenziswa idatha yesazisi saseMzantsi Afrika, uhlalutyo lwedatha yenethiwekhi yeselula (njengokusetyenziswa kwexesha lokusebenza kunye neenkcukacha zeminxeba), kunye ne-e-KYC ezenzekelayo nge-selfie kunye neskeni sesazisi.

Indlela yayo yokuvavanya isikwelede, ebizwa ngokuba yi-"Unify", isebenzisa ubukrelekrele bokwenziwa (AI) ukungenisa ngaphezulu kwe-5 yezigidi zeenkcukacha malunga nomfaki-sicelo ngamnye. Le nkqubo yokufunda ngoomatshini (machine-learning) yenza amanqaku esikwelede anobuchule bokuxela malunga ne-98%. I-JUMO ikwabonelela ngemida eguquguqukayo, apho abasebenzisi baqala nge-ZAR 250 kwaye banokufikelela kwi-ZAR 10 000 nangaphezulu ngokusekelwe kwindlela abahlawula ngayo izikwelede zabo ngexesha.

UkuHanjiswa kweMali nokuQokelela Iintlawulo:

Imali ivunyiweyo ihlawulwa ngokuthe ngqo kwii-wallet ze-MTN MoMo zabathengi okanye kwii-akhawunti zebhanki eziqhagamshelweyo. Iintlawulo zesikwelede zenziwa ngokuzenzekelayo kwi-wallet okanye nge-EFT ngosuku olunye. Ukuba kukho izikwelede ezingahlawulwanga ngexesha, i-JUMO isebenzisa ii-SMS kunye nezikhumbuzo kwi-app, kwaye inenethiwekhi yee-arhente ezingaphandle eziqokelela imali.

I-App yeSelfowni kunye namaNqaku ayo:

I-JUMO inee-app zeselfowni ezifumaneka kwii-iOS (kwi-App Store inamanqaku angama-4.6/5) nakwii-Android (kwi-Google Play inamanqaku angama-4.4/5). Ezi app zibonelela ngeenkonzo ezininzi eziluncedo, kubandakanya:

• Ukunikwa kwezikwelede ngoku khawuleza.
• Ishedyuli yentlawulo yezikwelede.
• Ideshibhodi yokonga ukujonga imali yakho.
• Inkonzo yengxoxo yabathengi ngaphakathi kwi-app.

Isimo soMthetho noLawulo:

I-JUMO ibhaliswe njengomboneleli wesikwelede phantsi kwe-National Credit Act (NCRCP 13456) eMzantsi Afrika, kwaye ihlangabezana nemigangatho ye-South African Reserve Bank. Ikwaphantsi kwe-NCR compliance audits kwaye isiqinisekiso se-B-Corp ukusukela ngo-2022, esibonisa ukuzinikela kwayo kwimigaqo esesikweni neyokuziphatha kakuhle. Mayela nokukhuselwa kwabathengi, i-JUMO isebenzisa imiqathango ecacileyo necacileyo, ibonise ngokucacileyo i-APR, kwaye iqhuba amaphulo e-SMS okufundisa ngezimali kubaboleki abatsha. Nangona kungazange kubekho izohlwayo ezinkulu, i-JUMO yahlawula ngokuzithandela i-ZAR 50 000 ngenxa yokulibazisa ingxelo ye-NCR ngo-2023, nto leyo eyalungiswa ngokukhawuleza.

Indawo Yemarike, Ukhuphiswano, kunye neNgcebiso Kubo Abanokuboleka

I-JUMO izibekele indawo eqinileyo kwimarike yezikwelede zedijithali eMzantsi Afrika. Kukho ukhuphiswano olukhulu, kodwa i-JUMO ikwazile ukwahluka ngeenkonzo zayo ezizodwa.

Indawo Yemarike noKhuphiswano:

I-JUMO iqikelelwa ukuba inesabelo se-15% kwimarike yezikwelede ezincinci zedijithali eMzantsi Afrika, ikhupha i-ZAR 1.2 yezigidigidi ngo-2024. Abakhuphisana bayo abaphambili kubandakanya i-Wonga, i-RainFin, i-Standard Bank Moya, kunye nezikwelede ezikhawulezayo ze-TymeBank. Nangona kunjalo, i-JUMO iyahluka ngamazinga ayo e-APR aphantsi kakhulu, inkqubo yayo yokuvavanya isikwelede nge-AI ekhawulezayo, kunye nobudlelwane bayo obuqinileyo nababoneleli beenkonzo zefowuni.

Le nkampani iceba ukwanda ngakumbi ngo-2025, iqhuba iphayilothi nge-Orange Money eBotswana naseNigeria, kwaye inobudlelwane ne-Standard Bank bokubonelela ngezibonelelo zemali ezingaphezulu ze-ZAR 50 000 ukuya kwi-ZAR 250 000 kumashishini amancinci naphakathi. Oku kubonisa ukuzinikela kwayo ekukhuliseni nasekuxhaseni uqoqosho lwaseMzantsi Afrika.

Uvavanyo lwabaThengi neNkonzo:

Abathengi banike i-JUMO amanqaku aphezulu, kunye ne-Net Promoter Score (NPS) engama-68/100 kwi-Google Play. Abantu bancome kakhulu isantya, ukusebenziseka lula, kunye neefizi eziphantsi. Nangona kunjalo, kukho izikhalazo ezingaqhelekanga malunga nokuphazamiseka kwe-USSD. Inkonzo yabathengi nayo iphezulu, inengxoxo ye-app engama-24/7 enepesenti engama-85 yempendulo yokuqala ngaphakathi kwemizuzu emi-2, kunye nexesha lokulinda kumaziko omnxeba elingama-45 emizuzwana.

Amabali empumelelo ayo abalulekile. Umzekelo, umnini-venkile we-"spaza shop" eKapa wakwazi ukwandisa iimpahla zakhe kathathu ngokusebenzisa i-Qwikloan ye-R10 000. Umlimi wenkukhu waseLimpopo wakwazi ukwandisa isikhukukazi sakhe emva kokusebenzisa i-BCA yeenyanga ezingama-90. La mabali abonisa impembelelo ebonakalayo ye-JUMO kubomi babantu abaqhelekileyo.

Ingcebiso Esebenzayo Kwabo Banokuboleka ku-JUMO

Njengengcaphephe kwezezimali, ndinganika olu ngcebiso lulandelayo kubo bonke abacinga ukuboleka ku-JUMO:

• Qonda Imiqathango: Ngaphambi kokufaka isicelo, qiniseka ukuba uyayiqonda ngokupheleleyo i-APR (izinga lenzala lonyaka), naziphi na iifizi (ezifana nomrhumo wokuqalisa), kunye nemiqathango yokuhlawula.
• Hlawula Ngexesha: Ukuhlawula izikwelede zakho ngexesha kubaluleke kakhulu. Oku akugcini nje ngokunqanda izohlwayo zokuhlawula emva kwexesha (ezinjengo-12.5% kwi-Qwikloan), kodwa kukwapucula amanqaku akho esikwelede, nto leyo enokukuvumela ukuba ufumane izikwelede ezikhulu ngexesha elizayo.
• Sebenzisa Imali Ngobuchule: Sebenzisa isikwelede ngezizathu ezivakalayo nezineziphumo ezihle, njengokuxhasa ishishini elincinci (njengomnini-spaza okanye umlimi) okanye ukujamelana nemeko engxamisekileyo. Gwema ukuboleka imali ngeenjongo zokuchitha.
• Thelekisa nabaKhuphisana: Nangona i-JUMO inee-APR eziphantsi, kuhlala kulungile ukuthelekisa iinkonzo zayo nabakhuphisana abanjenge-Wonga okanye i-TymeBank instant loans ukuze uqiniseke ukuba ufumana eyona nto ilungileyo kuwe.
• Jonga Ufaneleko: Qinisekisa ukuba uyahlangabezana nazo zonke iimfuno zofaneleko ngaphambi kokufaka isicelo ukunqanda ukuchitha ixesha lakho.
• Sebenzisa Iimpawu ze-App: Ziqhelanise ne-app ye-JUMO okanye ye-MTN MoMo. Sebenzisa iishedyuli zentlawulo kunye nedeshibhodi yokonga ukulawula izimali zakho kakuhle.

Ngokulandela olu ngcebiso, ababoleki banokusebenzisa iinkonzo ze-JUMO ngobuchule kwaye bafumane inzuzo enkulu kwizibonelelo zayo zedijithali zokubolekisa.