Isingeniso Nokwakheka Kwenkampani ye-easypay eNingizimu Afrika
I-easypay (Pty) Ltd ingumhlinzeki wezinsizakalo zokukhokha osebenze isikhathi eside kakhulu eNingizimu Afrika, ongahlobene namabhange, futhi unikeza nemali mboleko encane. Yasungulwa ngonyaka ka-1983 njengomncintisani ohamba phambili kwezokukhokha izikweletu. Ngokuhamba kwesikhathi, le nkampani iye yakhula kakhulu, yaba ingxenye ebalulekile ye-Lesaka Technologies (ebiyaziwa ngokuthi i-Net1) ngemuva kokutholakala kwe-Connect Group ngonyaka ka-2024. Njengamanje, i-Lesaka Technologies iphethe u-90% we-easypay, kanti okunye kubhekwe uhlelo lokwabelana ngamasheya lwabasebenzi.
Imodeli yebhizinisi ye-easypay ihlukile futhi igxile ekubeni umqoqi wezinkokhelo ovela eceleni kanye nomhlinzeki wemali mboleko encane. Inikeza izinsizakalo eziningi ezibalulekile ezifana nezinkokhelo zezikweletu, ugesi okhokhelwa kusengaphambili, isikhathi sokukhuluma okhokhele kusengaphambili, ama-akhawunti okuthengiselana (i-EasyPay Everywhere), kanye nemali mboleko encane. Imakethe eqondiswe kuyo i-easypay ibandakanya abamukeli bezibonelelo zikahulumeni (i-SASSA), abathengisi abangahlelekile, abathengi abanemali ephansi, kanye nabathengisi abancane ezweni lonke. Lokhu kukhombisa ukuzibophezela kwayo ekusebenziseni labo abasemazingeni aphansi omphakathi nabangenazo izinsizakalo zebhange.
Abaholi abakhulu be-Lesaka Technologies nabo babambe iqhaza elikhulu ekusebenzeni nasekuholeni i-easypay. UMnumzane Lincoln Mali ungumphathi omkhulu we-Lesaka Technologies, uqondisa ukuhambisana kwe-easypay ngaphakathi kweqembu le-Lesaka. UMnumzane Paul Kent uhola i-Merchant Division, ephatha i-EasyPay Cash kanye nezinsizakalo ezihlobene nabathengisi. USimphiwe Phakathi ungumqondisi omkhulu wezokuthengisa nokusabalalisa (EasyPay Everywhere), eqhuba ukufinyelela kwamakhasimende emiphakathini esengcupheni. Le nhlangano yobuholi ibonisa ukuzibophezela kwe-easypay ekukhuleni nasekuthuthukiseni izinsizakalo zayo eNingizimu Afrika.
Imikhiqizo Yemali Mboleko e-easypay, Izinga Lenzalo Nezindleko
I-easypay inikeza izinhlobo ezahlukene zemali mboleko eklanyelwe ukuhlangabezana nezidingo ezahlukene zabantu baseNingizimu Afrika. Le mikhiqizo ihlukaniswa ngokwezikhathi zokukhokha kanye namanani emali mboleko:
- Imali Mboleko Yesikhashana (Izinyanga ezi-3): Lokhu kuvumela ukufinyelela ngokushesha phakathi kuka-R100 no-R1 000. Okuthakazelisayo ukuthi le mali mboleko iza nenzalo engu-0% (0% Isilinganiso Senzalo Yonyaka noma APR), okusho ukuthi akukho nzalo ekhokhwayo.
- Imali Mboleko Yesikhathi Esimaphakathi (Izinyanga ezi-6): Kulesi sigaba, amakhasimende angaboleka phakathi kuka-R500 no-R2 000. Le mali mboleko nayo iza nenzalo engu-0% (0% APR) kumakhasimende e-SASSA anamadiphozi esibonelelo angaphezu kwamathathu.
- Imali Mboleko Yesikhathi Eside (Izinyanga ezi-9): Ngale mali mboleko, amakhasimende angaboleka kuze kufike ku-R4 000. Inzalo ekhokhwa kule mali mboleko ingu-12% ngonyaka (okulingana ne-APR engu-12%) emalini mboleko engaphezu kuka-R2 000.
- Imali Mboleko Exhunyaniswe ne-SASSA: Le mali mboleko eklanyelwe abamukeli bezibonelelo zikahulumeni inikeza phakathi kuka-R410 no-R1 050. Nokho, iza ne-APR ephakeme engu-164%, okuhlanganisa nemali yesevisi engu-31%. Ikhokhwa ngokuzenzakalela ezibonelelweni ze-SASSA esikhathini esiyizinyanga eziyisithupha.
Amanani emali mboleko aqala ku-R100 kanti aphezulu angu-R4 000 kumakhasimende ajwayelekile, kanti abamukeli bezibonelelo ze-SASSA bangaboleka kuze kufike ku-R1 050. Izimali zokukhokha zibandakanya imali yokuqala engu-R86 imali mboleko ngayinye, imali yesevisi engu-R69 ngenyanga yemali mboleko yesikhathi esimaphakathi, kanye nemali yokuvikela isikweletu engu-R6.33 ngenyanga. Akukho sibambiso esidingekayo, kodwa i-easypay isebenzisa izimpawu zomzimba ezihlukile (njengeminwe) kanye nomlando wokuthengiselana kwe-akhawunti ukuze ilawule ubungozi.
Inqubo Yokufaka Isicelo, Uhlelo Lokusebenza Lweselula Nokusebenza
Ukufaka isicelo semali mboleko ku-easypay kulula futhi kufinyeleleka ngezindlela ezahlukene. Amakhasimende angasebenzisa ikhodi ye-USSD (i-*120*3737*7#), iwebhusayithi ye-easypay Everywhere (epe-online.co.za), noma uhlelo lokusebenza lweselula olutholakala ku-iOS ne-Android. Ngaphezu kwalokho, kunezindawo ze-EasyPay Everywhere kanye nabalingani bokuthengisa abafana ne-Pick n Pay, i-Shoprite, ne-PEP lapho kungafakwa khona izicelo.
Inqubo yokuqinisekisa ubunikazi (i-KYC) ihambisana nemithetho ye-FICA eNingizimu Afrika. Izidingo zihlanganisa ikhadi likamazisi laseNingizimu Afrika, ubufakazi bekheli (obungaphansi kwezinyanga ezi-3 ubudala), kanye nama-bank statements ezinyanga ezi-3 kumakhasimende ajwayelekile. Abamukeli bezibonelelo ze-SASSA badinga incwadi yokuqinisekisa ye-SASSA. I-easypay iphinde isebenzise izimpawu zomzimba ezihlukile (iminwe) ukuze kuqinisekiswe ubunikazi, okungenziwa egatsheni noma kuma-kioski.
I-easypay isebenzisa imodeli yokuhlola isikweletu esekelwe kudatha, ihlola ukukwazi kwamakhasimende ukukhokha ngomlando wokuthengiselana we-EasyPay Everywhere kanye nokuhlaziywa kwedatha encane. Izicelo zemali mboleko ezingaphansi kuka-R2 000 zithola isinqumo esisheshayo ngohlelo lwe-USSD noma uhlelo lokusebenza. Imali mboleko ikhishwa ngokushesha ku-akhawunti ye-EasyPay Everywhere, engafinyelelwa kuma-ATM. Kwemali mboleko enkulu, ingadluliselwa ebhange, noma ikhishwe ngemali ezindaweni ezikhethiwe ze-easypay. Ukuqoqwa kwezikweletu kwenziwa ngokuzenzakalela ngokudonswa ezibonelelweni ze-SASSA noma ngezaziso ze-SMS ezivela ohlelweni lokusebenza.
Uhlelo lokusebenza lweselula lwe-easypay ludlala indima enkulu ekuhlinzekeni izinsizakalo zedijithali. Luyatholakala kuma-smartphones e-iOS ne-Android, futhi lunikeza izici ezifana nokubona isimo se-akhawunti ngesikhathi sangempela, ukuhlanganiswa nabahlinzeki bezinkokhelo abangaphezu kuka-600, izaziso ze-SMS, ukufaka isicelo semali mboleko, nomlando wokuthengiselana. Lunikezwe izilinganiso eziphakeme (4.2/5 ku-Google Play, 4.0/5 ku-App Store), okubonisa ukwaneliseka kwabasebenzisi nakuba kube khona imibiko ethile mayelana nokungazinzeli ngesikhathi sokusetshenziswa okukhulu. I-easypay inokufinyelela ezweni lonke, isebenza ezindaweni zasemadolobheni nasezindaweni zasemakhaya ngabalingani bayo bezitolo ezinkulu njenge-Pick n Pay, i-Shoprite, ne-PEP, kanye nezitolo zama-spaza ezizimele, okwenza kube nezindawo zokufinyelela ezingaphezu kwezi-10 000. Amakhasimende ayo ayizigidi ezi-2 abasebenzisi abasebenzayo, kanti abalinganiselwa esigidini esi-1 ngabamukeli bezibonelelo ze-SASSA, ikakhulukazi abesifazane abahlala emakhaya anomholo ophansi.
Isimo Sokulawulwa Ngumthetho, Izilinganiso Zamakhasimende Nendawo Emakethe
I-easypay isebenza ngaphansi kokulawulwa ngokuqinile yizinhlaka zikahulumeni eNingizimu Afrika. Inamalayisense njengomhlinzeki wezinsizakalo zokukhokha ovela eceleni yiSouth African Reserve Bank (SARB) futhi ibhaliswe ne-National Credit Regulator (NCR) ngezinikelelo zayo zemali mboleko. Lokhu kuqinisekisa ukuthi yonke imisebenzi yayo ihambisana nemithetho nezimiso ezibekiwe, okuvikela abathengi. Kuze kube manje, akukho zinyathelo ezinkulu zokuphoqelelwa komthetho ezirekhodiwe esidlangalaleni ngokuphathelene ne-easypay.
Ngokuphathelene nokuvikela abathengi, i-easypay ibonisa obala mayelana nezimali zayo, inikeza uhlu lwezimali olucacile kuwebhusayithi yayo naseziteshini ze-USSD. Futhi ihambisana nezigqoko zezinga lenzalo ezibekwe yi-NCR emalini mboleko encane. Uma kuvela izikhalo, amakhasimende angafinyelela izindlela zokusiza ezifana ne-Ombudsman kanye neziteshi ze-SARB.
I-easypay ihamba phambili ekuhlanganiseni izinkokhelo zezikweletu eNingizimu Afrika. Iphinde ibe phakathi kwabahlinzeki abathathu abaphezulu bemali mboleko encane exhunyaniswe ne-SASSA. Abaqhudelana nabo abakhulu emakethe bahlanganisa izinkampani ezifana ne-Rainfin ne-MobiCred, kanye nezikhungo zemali encane ezijwayelekile. Nokho, i-easypay ihlukile ngezinto ezithile: inikeza imali mboleko yesikhashana engenazinzalo, inendawo yokusebenza ehlanganisiwe yokukhokha izikweletu nemali mboleko, futhi isebenzisa ukuphepha kwezimpawu zomzimba ezihlukile (biometrics) kanye nezinsizakalo ezisheshayo.
Izilinganiso zamakhasimende zikhombisa ukuthi i-easypay ibonwa njengothembekile futhi elula, nakuba kube khona imibiko ethile mayelana nokungazinzeli kohlelo lokusebenza ngezikhathi ezithile noma osayizi bemali mboleko elinganiselwe. Ukukhula kwe-easypay kuhlanganisa ukutholwa kwe-Adumo (ngama-R1.59 billion), okwandise izinsizakalo zayo zabathengisi nemali mboleko. Kunezinhlelo zokugxila kakhulu emkhakheni ongahlelekile kanye nokwandiswa kwezinsizakalo zayo emazweni angomakhelwane ngaphansi kwecebo le-Lesaka.
Izeluleko Eziwusizo Kwabafuna Ukuboleka Imali Nge-easypay
Njengomhlaziyi wezezimali, kubalulekile ukunikeza izeluleko eziwusizo kulabo abacabangela ukuboleka imali ku-easypay noma kunoma yimuphi umhlinzeki wemali. Ukuboleka imali kuwukuzibophezela okukhulu, futhi ukwenza izinqumo ezinolwazi kungakuvikela ezinkingeni zezezimali.
Hlola Izidingo Zakho Ngesikhathi Esifanele
Ngaphambi kokufaka isicelo semali mboleko, zibuze ukuthi ingabe leyo mali uyidinga ngempela yini, nokuthi ingabe le mali izokwazi ukuxazulula inkinga yakho. Imali mboleko encane ye-easypay yenzelwe izidingo eziphuthumayo nezincane. Uma udinga imali eningi noma isikhathi eside sokukhokha, i-easypay ingase ingabi yinketho efanelekile kuwe. Cabangela izimo zakho zezezimali futhi uhlele indlela ozoyikhokha ngayo imali mboleko ngaphandle kokubangela ezinye izinkinga.
Qonda Ngokuphelele Imigomo Nemibandela
Funda ngokucophelela yonke imigomo nemibandela yemali mboleko. Qaphela amazinga enzalo, ikakhulukazi kulezo imali mboleko ezixhunyaniswe ne-SASSA ezine-APR ephakeme kakhulu (164%). Hlaziya izimali zokuqala, izimali zesevisi zanyanga zonke, nezimali zokuvikela isikweletu. Qinisekisa ukuthi uqonda kahle ukuthi zingakanani izimali ozozikhokha sekukonke. Ungesabi ukubuza imibuzo uma kukhona ongakuqondi. Ukungaqondi kahle imigomo kungaholela ezinkingeni zezezimali esikhathini esizayo.
Qhathanisa Izinketho Ezihlukene
I-easypay inikeza inzalo engu-0% kwamanye amali mboleko esikhashana, okungaba kuhle kakhulu. Kodwa, uma udinga imali enkulu noma imali mboleko yesikhathi eside, qhathanisa i-easypay nabanye abahlinzeki bemali mboleko emakethe. Kungenzeka uthole izinketho ezingcono kakhulu ngezinga lenzalo eliphansi noma imigomo engcono. Hlola izinkampani zemali mboleko ezijwayelekile nezikhungo zezimali ukuze uqinisekise ukuthi uthola isivumelwano esingcono kakhulu.
Sebenzisa Uhlelo Lokusebenza Ngokuhlakanipha
Uhlelo lokusebenza lwe-easypay luyithuluzi elinamandla lokulawula izimali zakho nokufaka izicelo zemali mboleko. Lusebenzise ukubona isimo sakho se-akhawunti, ukukhokha izikweletu, nokuhlola umlando wakho wokuthengiselana. Nokho, qaphela ukuthi ungasebenzisi kabi ukufinyelela okulula kwemali mboleko. Ukuboleka njalo ngaphandle kohlelo oluqinile lokukhokha kungase kukufake esimeni sesikweletu. Sebenzisa izaziso ze-SMS ukukhumbula izikhathi zokukhokha.
Ukuphatha Izimali Ngokuzibophezela
Okokugcina, noma ngabe ubani okubolekisa imali, ukuphatha izimali zakho ngokuzibophezela kubalulekile. Qinisekisa ukuthi unebhajethi eqinile nokuthi uyakwazi ukukhokha imali mboleko ngesikhathi. Ukwehluleka ukukhokha kungase kubangele izimali ezikhokhwayo ezengeziwe futhi kulimaze umlando wakho wesikweletu, okuzokwenza kube nzima ukuboleka imali esikhathini esizayo. Uma ungomunye wabamukeli bezibonelelo ze-SASSA, khumbula ukuthi imali mboleko yakho izodonswa ngokuzenzakalela esibonelelweni sakho, ngakho-ke hlela izimali zakho ngokuya ngalokho.
I-easypay inikeza izixazululo ezibalulekile zezezimali kubantu abaningi baseNingizimu Afrika, ikakhulukazi labo abasemazingeni aphansi omphakathi. Ngokwenza izinqumo ezinolwazi nokuphatha izimali ngokuhlakanipha, ungasebenzisa izinsizakalo zayo ukuze kuzuze wena.
