Weaver Fintech (Finchoice)

Inkcazelo NgokuBanzi Yenkampani NeMvelaphi

I-Weaver Fintech Ltd (eyayisakuba yi-HomeChoice International plc) yinkampani yezemali yedijithali ebhaliswe eMauritius kwaye idweliswe kwi-JSE (JSE: WVR). Lelona gama layo liphambili elisebenzayo eMzantsi Afrika yi-FinChoice. Le nkampani iguquke ukusuka ekubeni ngumboneleli wezinto zasekhaya yaya kuba yinkampani ye-fintech ekhula ngokukhawuleza, engenisa ingeniso eninzi kwaye ikhonza abathengi abazizigidi ezi-3.3 kunye namaqabane abathengisi abangama-3 100 kulo lonke elaseMzantsi Afrika.

I-FinChoice ibonelela ngekhredithi engakhuselekanga, i-inshurensi, kunye nezisombululo zentlawulo ngamajelo edijithali. Isebenzisa iindlela zokulinganisa ikhredithi ezisekelwe kudatha ukuhambisa iimveliso zemali eziguquguqukayo, ezijolise kumthengi. Injongo ephambili ye-Weaver kukudibanisa ukubolekisa ngemali, iinkonzo zentlawulo, i-inshurensi, kunye nentsebenziswano nabathengisi kwiqonga ledijithali elinye. Abathengi ekujoliswe kubo ngabantu baseMzantsi Afrika abahlala ezidolophini, abasebenzisa iiselula kakhulu—ingakumbi abafazi—abafuna izisombululo zemali ezikhawulezayo nezingaguquguqukiyo. I-CEO yale nkampani nguSean Wibberley.

Le nkampani ibhaliswe kwaye ilawulwa yi-National Credit Regulator (NCR) njengomboneleli wekhredithi, iqinisekisa ukuthotyelwa koMthetho we-NCR, uMthetho weZiko leNgqiqo yeZemali (FICA), kunye nemigaqo ye-DebiCheck. Oku kubonelela abathengi ngokhuseleko olongezelelweyo kunye nokuqinisekisa ukuba inkampani isebenza ngokwemigaqo esemthethweni yezezimali elawula iMzantsi Afrika.

Iimveliso ZeNgxelo Neenkonzo ZeFinChoice

I-FinChoice ibonelela ngeentlobo ezintathu eziphambili zeemveliso zekhredithi engakhuselekanga ngewebhusayithi yayo kunye ne-app yeMobiMoney:

• I-MobiMoney™ Facility: Olu luhlobo lwekhredithi ejikelezayo efikelela kuma-R10 000. Luvumela abathengi ukuba baboleke imali, bahlawule, baze baphinde baboleke kwakhona ngaphandle kokufaka isicelo esitsha rhoqo.
• I-KwikAdvance: Ezi ziingxelo-mali zexesha elifutshane (iingxelo-mali zemihla yomvuzo) ezibolekwa kude kube ngumhla womvuzo olandelayo womthengi. Zifanelekile kwiimeko ezingxamisekileyo xa kufuneka imali ngokukhawuleza.
• Iingxelo-mali Zobuqu: Ezi ziingxelo-mali ezinenani elimisiweyo eliya kuthi ga kuma-R40 000, ezenzelwe iindleko ezinkulu zobomi. Abathengi abatsha banokuboleka ukuya kuthi ga kuma-R40 000, kwaye abo bakhoyo banokufikelela kweli nani nakuba benesibambiso esisebenzayo.

Amanqanaba Enzala, Imirhumo, NeMigaqo

I-FinChoice ibonelela ngamanqanaba enzala aguquguqukayo, ngokwesiqhelo i-APR (Annual Percentage Rate) esuka kwi-11% ukuya kwi-28% ngonyaka. Eli nqanaba lixhomekeke kwiprofayile yekhredithi yomthengi, uhlobo lwemveliso, kunye nexesha lokuhlawula. Kukho nezibonelelo ezikhethekileyo, njengengxelo-mali yeenyanga ezi-6 engenanzala efikelela kuma-R8 000 (0% inzala). Umzekelo wezinga lokuqala le-MobiMoney yi-2.3% kunye nomrhumo wenkonzo wenyanga wama-R68 nge-R1 000 nganye ebolekweyo, nto leyo elingana ne-APR emalunga ne-27.6%.

Imirhumo:

• Umrhumo wokuQala/wokuSeta: Umzekelo, i-R1 050 kwingxelo-mali ye-R85 000 kwisithuba seenyanga ezingama-36 (malunga ne-1.2%).
• Umrhumo weNkonzo weNyanga: Ama-R68 nge-R1 000 nganye ebolekweyo kwiimveliso ezithile.
• Intlawulo eLate: Ukuya kuthi ga kuma-R350 okanye inzala eqokelelweyo ngesantya esikumgaqo-mthetho (umrhumo ochanekileyo uxeliwe kwiMigaqo neMigaqo).
• I-Inshurensi yoKhuselo loBuqu (Ophakamileyo): I-5.5% nge-R1 000 nganye ebolekweyo ngonyaka.

Zonke iimveliso zengxelo-mali ze-FinChoice azikhuselekanga, nto leyo ethetha ukuba akukho sibambiso sifunekayo. Ixesha lokuhlawula liyahluka: I-KwikAdvance kude kube ngumhla womvuzo olandelayo, iingxelo-mali ze-Flexi zeenyanga ezi-6, kunye neengxelo-mali zobuqu zexesha elide ngeenyanga ezili-12 okanye ezingama-24.

Inkqubo Yesicelo, Ii-Apps ZeSelula Kunye Nobuchwepheshe

I-FinChoice isebenza ngokupheleleyo ngamajelo edijithali, nto leyo ethetha ukuba akukho ziseko zexesha eliqinisekileyo zokufaka izicelo okanye ukunxibelelana. Abathengi banokufaka izicelo nge-app yeselula (efumaneka kwi-iOS kunye ne-Android kwi-Google Play) okanye ngewebhusayithi ephuculweyo yeselula (finchoice.co.za kunye ne-finchoice.mobi).

Inkqubo yesicelo kunye ne-KYC (Ukwazi uMthengi wakho)

Ukubhalisa kwenziwa nge-app yeMobiMoney okanye iwebhusayithi. Abathengi kufuneka banikezele ngeenkcukacha zobuqu, ulwazi loqhagamshelwano, iinkcukacha zezalamane, ulwazi lomqeshi, kunye neenkcukacha zebhanki. Inkqubo ikwabandakanya ukulayisha izitatimenti zebhanki kunye namaxwebhu esazisi nge-uploader yexwebhu ye-app. Ukwamkela umyalelo we-DebiCheck kugunyazisa iiodolo zokutsala imali ngokuzenzekelayo.

Ukulinganisa Ikhredithi kunye Nokuhlawulwa Kwezicelo

I-FinChoice isebenzisa imodeli yayo yekhredithi esekelwe kudatha ehlalutya ingeniso, iindleko, imbali yentlawulo, kunye nedatha yokuziphatha. Uvavanyo lokukwazi ukuhlawula lwenziwa ngokusekelwe kwingeniso epheleleyo/esulungekileyo kunye neendleko zendlu. Emva kokuba isicelo sivunyiwe, imali ihlawulwa kwi-akhawunti yebhanki eqinisekiswe yi-FICA ngaphakathi kweeyure ezingama-24. Imali ye-MobiMoney wallet ihlawulwa ngokuphathelele kwii-facility lines.

Ii-App zeSelula kunye noBuchwepheshe

I-app ye-Android inezinga leenkwenkwezi ezi-4.1 kwi-Google Play. Iimpawu zayo zibandakanya iikowuti zengxelo-mali, ukulandelela isicelo, ukulayisha amaxwebhu, ukulawula intlawulo, kunye nokuthengwa kwe-inshurensi. I-app ye-iOS iyafumaneka kwi-App Store ngeempawu ezifanayo. I-FinChoice igubungela lonke elaseMzantsi Afrika ngamajelo ayo edijithali, inabathengi abazizigidi ezi-3.3, ingakumbi abafazi abahlala ezidolophini abaneminyaka ephakathi kwama-25 nama-45.

Ukulawulwa, Indawo Yemarike Nokhuphiswano

I-FinChoice Africa Ltd ibhaliswe njengomboneleli wekhredithi kwi-National Credit Regulator (NCR), iqinisekisa ukuthotyelwa koMthetho we-NCR, uMthetho weZiko leNgqiqo yeZemali (FICA), kunye nemigaqo ye-DebiCheck. Oku kuqinisekisa ukuba inkampani isebenza ngaphakathi kwesakhelo somthetho esibekwe yiMzantsi Afrika.

Ukhuselo lwabathengi

Ukhuselo lwabathengi luphambili kwi-FinChoice. Banika ulwazi olucacileyo ngemirhumo, amanqanaba enzala, kunye neMigaqo neMigaqo ngaphambi kokuba umthengi amkele ingxelo-mali. Abathengi banelungelo lokuhlawula kwangethuba ngaphandle kwesohlwayo. Ukongeza, idatha yobuqu ikhuselwe ngokungqinelana noMthetho wokuKhusela uLwazi lweZiqu (POPIA).

Indawo Yemarike kunye Nabakhuphisana

I-FinChoice iphakathi kwabona babolekisi abahlanu abaphambili bedijithali abakhuselekanga eMzantsi Afrika. Abakhuphisana bayo abaphambili baquka i-Wonga, i-Bayport Financial, i-GetBucks, kunye ne-RainFin. Umahluko wayo ulele ekubeni yinxalenye ye-ecosystem ye-fintech edibeneyo phantsi kwe-Weaver, enika ukubolekisa ngemali, i-inshurensi, iinkonzo zentlawulo, kunye nezisombululo kubathengisi. Inethiwekhi yayo yabathengisi eyomeleleyo ivumela ukubandakanywa kwezisombululo ze-"Thenga ngoku, Hlawula Kamva" (BNPL) kwindawo yokuthengisa.

I-FinChoice ibonise ukukhula okukhulu, kunye ne-EBITDA ye-fintech enyuke nge-46.2% kunye neprofit ngaphambi kwerhafu eyonyuke nge-48% kwihafu yokuqala yonyaka wemali ka-2025. Kukho izicwangciso zokwandisa iimveliso zabo (kubandakanya ukuxhasa ngezimali iimoto kunye neengxelo-mali zemfundo) kunye nentsebenziswano enzulu nabathengisi. I-FinChoice ikwaneentsebenziswano ezibalulekileyo neebhanki ukuze kulungiswe intlawulo, kunye nemibutho yeenkampani ze-telco (i-MTN, i-Vodacom, i-CellC) ezicima iirhafu zedatha kwiwebhusayithi yabo yeselula.

Amava Abathengi Neengcebiso Kwabatyalayo

Amava omthengi kwi-FinChoice abonakaliswe kakuhle ngokubanzi. Kwi-Google Play, i-app yabo inezinga leenkwenkwezi ezi-4.1 kwizimvo ezingaphezu kwe-15 000, ezincome isantya, ukusebenziseka lula, kunye nokuthembeka. Abathengi bahlala bencoma inkqubo yokuvunywa ngokukhawuleza kunye ne-interface ye-app ekulula ukuyisebenzisa.

Izikhalazo kunye Neenkonzo Zabathengi

Nangona kunjalo, abanye abathengi baye baxela iirhafu eziphezulu xa kuthelekiswa neengxelo-mali zebhanki zemveli. Kukwakho nokulibaziseka okwenzekayo ekuhlawulweni kwemali ngamaxesha oxinzelelo. I-FinChoice ibonelela ngenkxaso yengxoxo yedijithali ye-24/7, i-imeyile, kunye neziko lokufowuna. Banekwa ne-"KwikServe" portal ekwi-intanethi yolawulo lwe-akhawunti yokuzenzela.

Ingcebiso Eluncedo Kwabatyalayo Abanokubakho

Njengengcali yezemali, ndibonelela ngezi ngcebiso zilandelayo kwabo bacinga ukuboleka imali kwi-FinChoice okanye nakowuphi na umboneleli wekhredithi:

• Vavanya Ukukwazi Ukuhlawula Kwakho: Ngaphambi kokufaka isicelo, qiniseka ukuba ungazihlawula iintlawulo zenyanga ngokulula ngaphandle kokubeka uxinzelelo kwimeko yakho yezemali. Ungaboleki imali ngaphezu kwaleyo ungakwaziyo ukuyihlawula.
• Funda Imigaqo Nemigaqo (T&Cs): Soloko ufunda kwaye uyiqonde ngokupheleleyo yonke imigaqo nemiqathango yengxelo-mali, kuquka amanqanaba enzala, imirhumo, kunye nezohlwayo zokulibazisa. Yazi kakuhle ukuba uza kuhlawula ntoni kwaye nini.
• Thelekisa Nabanye Ababolekisi: Ungaze uthabathe ingxelo-mali yokuqala oyifumanayo. Thelekisa iintlobo ngeentlobo zababolekisi kunye neemveliso zabo ukuqinisekisa ukuba ufumana eyona nto ifanelekileyo kwimeko yakho.
• Sebenzisa Ngobulumko: Iingxelo-mali zedijithali zikhawuleza kwaye zilula, kodwa kufuneka zisetyenziselwe iimfuno ezisemthethweni, kungekhona ukuthenga izinto ezingafunekiyo. Zikhawuleza ukuya kwizinto ezingxamisekileyo okanye iinjongo ezicwangcisiweyo.
• Yazi Imirhumo Ephezulu: Iingxelo-mali ezingakhuselekanga zihlala ziza namanqanaba enzala aphezulu kunye nemirhumo xa kuthelekiswa neengxelo-mali ezikhuselekanga. Qinisekisa ukuba uqonda impembelelo yazo kwisixa oza kusihlawula.
• Jonga Isikolo Sakho Sekhredithi: Ukugcina isikolo sekhredithi esihle kuya kukunceda ufumane iireyithi ezingcono kwixesha elizayo. Hlawula iingxelo-mali zakho ngexesha kwaye uphephe ukuba nemingxunya kwikhredithi yakho.

I-FinChoice yinkampani ye-fintech enamandla kakhulu ebonelela ngezisombululo zemali ezibalulekileyo kubathengi baseMzantsi Afrika, ingakumbi abo bafuna ukufikelela ngokukhawuleza nangokulula kwikhredithi. Nangona kunjalo, njengayo nayiphi na imveliso yezemali, kubalulekile ukwenza uphando lwakho kwaye uqonde ngokupheleleyo imigaqo ngaphambi kokuba uthathe isigqibo.