Isingeniso neMvelaphi yeFasta eNingizimu Afrika
IFasta (Pty) Ltd yinkampani yangasese ehlomula ngokuholela ekubolekiseni ngedijithali eNingizimu Afrika. Yasungulwa ngonyaka ka-2017 eKapa, eWestern Cape, futhi isungule indlela entsha yokuthi abantu baseNingizimu Afrika bakwazi ukuthola imali mboleko. Njengenkampani ye-fintech, iFasta isebenzisa ubuchwepheshe ukwenza inqubo yokufaka isicelo semalimboleko ibe lula futhi isheshe, igweme izinkinga ezivamile zokufaka izicelo ezindaweni ezijwayelekile. Ifakwa kuhlu njengomhlinzeki wesikweletu ngaphansi koMthetho Kazwelonke Wezikweletu (NCA) eNingizimu Afrika, inombolo yayo yokubhalisa ingu-NCRCP10591, okuyenza ibe yinkampani esemthethweni nelawulwayo.
Umqondo webhizinisi kaFasta ugxile ekuhlinzekeni isikweletu esingenaso isibambiso (unsecured credit) kubantu abaholayo abasebenza ngedijithali, abaneminyaka engu-18 nangaphezulu, futhi abahola okungenani u-R6 000 ngenyanga. Lokhu kusho ukuthi ababoleki abadingi ukunikela ngezimpahla njengesibambiso ukuze bathole imali. Inikeza imikhiqizo emithathu esemqoka: i-FASTACash (imalimboleko efakwa ngqo ku-akhawunti yasebhange), i-FASTACard (ikhadi lesikweletu elingelona elangempela), kanye ne-FASTACheckout (ukukhokha kancane ngesikhathi uthenga kubathengisi ababambisene nabo). Inhloso yayo enkulu ukuhlinzeka ngezixazululo zemalimboleko zesikhashana, ngokuvamile ekhokhelwa ezinyangeni ezi-1 kuye kwezi-3.
Abasunguli benkampani, uMnu. Kevin Hurwitz (onguMphathi Omkhulu - CEO) noMnu. Steve Abraham (onguMphathi Wezobuchwepheshe - CTO), bahola inkampani ekusunguleni izinto ezintsha nasekukhuleni. IFasta ayinazo izitolo zomzimba; yonke imisebenzi yayo yenziwa nge-inthanethi, okuyenza ifinyeleleke kalula kunoma ubani one-inthanethi eNingizimu Afrika. Lokhu kugxila kwedijithali kuyenza ibe inketho efanelekile kulabo abadinga imali ngokushesha futhi abakwazi ukusebenzisa izindlela zedijithali.
Imikhiqizo Nezinsizakalo Zemalimboleko KaFasta kanye Nezindleko
IFasta inikeza imikhiqizo yemalimboleko ehlukene emithathu, yonke eyenzelwe ukuhlangabezana nezidingo ezihlukene zababoleki. I-FASTACash yenzelwe labo abadinga imali ngqo ku-akhawunti yabo yasebhange. Izimali ezitholakalayo ziqala ku-R800 kuye ku-R8 000. I-FASTACard yikhadi lesikweletu elingelona elangempela le-Mastercard elisebenza ngedijithali, elivumela abasebenzisi ukuthi bathenge ku-inthanethi noma kubathengisi abamukela i-Mastercard. Le khadi inesikweletu esiqala ku-R500 kuye ku-R8 000. Okokugcina, i-FASTACheckout iyindlela yokukhokha ehlanganiswe ngqo kumawebhusayithi abathengisi ababambisene noFasta, evumela amakhasimende ukuthi athenge izinto ezifiselekayo futhi akhokhe kamuva, futhi ibuye ihlinzeke ngesikweletu esifinyelela ku-R8 000.
Mayelana namanani enzalo nezindleko, iFasta isebenza ngaphansi kwemithetho ye-NCA. Amanani enzalo ami phakathi kuka-0% no-5% ngenyanga, kuncike kumlando wesikweletu somboleki. Lokhu kuhumushela ku-APR (Annual Percentage Rate) ephakathi kuka-0% no-60% ngonyaka. Inzalo ejwayelekile esetshenziswayo ingaba ngu-3% ngenyanga, okungaba u-42% ngonyaka. Izikhathi zokukhokha zithatha izinyanga ezi-1, ezi-2, noma ezi-3, nakuba kwezinye izimo zingandiswa zifike ezinyangeni ezi-4. Ababoleki banethuba lokukhokha imali yabo ngaphambi kwesikhathi, futhi uma benza kanjalo, bangathola izaphulelo zenzalo, okuyinzuzo enkulu.
Izindleko zikaFasta zicacile futhi zihambisana nemithetho. Kukhona imali yokuqala (initiation fee) engu-10% yenani lemali mboleko (ngaphambi kwe-VAT). Kukhona nemali yesevisi yenyanga (monthly service fee) ephakathi kuka-R60 no-R69 (ngaphambi kwe-VAT). Ngaphezu kwalokho, kunesidingo somshwalense wokuvikela isikweletu (credit protection insurance) obiza u-R6.33 ngenyanga, okusiza ukugwema umonakalo uma umboleki engakwazi ukukhokha ngenxa yezizathu ezingalindelekile njengokungasebenzi. Uma kukhona ukubambezeleka ekukhokheni, iFasta ibuye ikhokhe izimali zokubambezeleka ezimisiwe yi-NCA. Kubalulekile ukuthi ababoleki bazi zonke lezi zindleko ngaphambi kokusayina isivumelwano semalimboleko.
Indlela Yokufaka Isicelo, Isimo Sedijithali kanye Nokulawulwa
Inqubo yokufaka isicelo semalimboleko kwaFasta ilula kakhulu futhi yenziwa ngokwedijithali ngokuphelele. Abafaka izicelo bangafinyelela izinsizakalo zayo ngewebhusayithi kaFasta noma ngamawebhusayithi abathengisi ababambisene nabo. Akukho sidingo sokuya kunoma yiliphi igatsha lomzimba. Inqubo iqala ngokufaka inombolo kamazisi, eqinisekiswa ngokuzenzakalelayo ngokuqhathaniswa nolwazi olusesizindeni sedatha kazwelonke. Ukufakazela umholo, iFasta isebenzisa ukuhlanganiswa kwebhange le-inthanethi, okuyivumela ukuthi ihlole isitatimende sasebhange somboleki ngokushesha. Noma kunjalo, abantu bangakwazi futhi ukulayisha ama-payslips ezinyanga ezi-3 ezedlule.
IFasta isebenzisa i-algorithm yayo siqu ukuhlaziya umlando wesikweletu womfakisicelo, okuhlanganisa ukuhlola isitatimende sasebhange, ukuhlolwa kwehhovisi lesikweletu, nokuhlola ukukwazi ukukhokha. Lesi sinqumo sithatha imizuzu embalwa ukuze siphume. Uma isicelo sigunyazwe, imali ingakhishwa ngokushesha. Ku-FASTACash, imali idluliselwa ngqo ku-akhawunti yasebhange, kuyilapho i-FASTACard ifakwa imali ekhadini elingelona elangempela, bese i-FASTACheckout ikhokha ngqo kumthengisi.
Ngenkathi iFasta ingenalo uhlelo lokusebenza oluzinikele lwe-iOS noma lwe-Android, iwebhusayithi yayo isebenza kahle kumaselula, okusho ukuthi abasebenzisi bangafinyelela zonke izinsizakalo zayo kalula kusuka kunoma iyiphi idivayisi yeselula. Lokhu kuqinisekisa ukuthi ulwazi lomsebenzisi luhlala lulula futhi lusebenza kahle. IFasta ibhaliswe ngokuphelele noMlawuli Kazwelonke Wezikweletu (NCRCP10591) futhi ihambisana ngokuphelele noMthetho Kazwelonke Wezikweletu (NCA), uMthetho Wokuhlinzekwa Kolwazi Lwezezimali (FICA), kanye noMthetho Wokuvikela Ulwazi Lomuntu Siqu (POPIA). Lokhu kunika ababoleki isiqiniseko sokuthi basebenza nenkampani esemthethweni futhi elawulwayo, enza zonke izinyathelo zokuvikela amakhasimende.
Ukuma KukaFasta Emakethe Nezibuyekezo Zamakhasimende
Emakethe yemalimboleko esheshayo eNingizimu Afrika, iFasta incintisana nezinkampani eziningi zokubolekisa ngedijithali, okubalwa kuzo i-PayJustNow, i-Payflex, kanye nalahlo abahlinzeka ngemalimboleko yosuku lokukhokha (payday lenders) bendabuko. Nakuba ingase ingabi nesabelo esikhulu semakethe okwamanje, iFasta izihlukanisa ngokunikela ngezixazululo ezintathu ezihlukene zomkhiqizo (imali, ikhadi, nendawo yokukhokha), konke okwenziwa ngendlela yokuzisiza, ezenzakalelayo, futhi enikeza isinqumo esisheshayo ngemizuzu.
Izibuyekezo zamakhasimende eFasta zixubene. Ngakolunye uhlangothi, amakhasimende amaningi ayayibonga isivinini nenqubo elula yokufaka isicelo nokuthola imali. Ukuba lula kokufinyelela imali ngedijithali kubhekwa njengenzuzo enkulu. Ngakolunye uhlangothi, kukhona ukugxekwa okuthile okuphathelene nezimali zayo eziphakeme uma kuqhathaniswa nabahlinzeki bemalimboleko bendabuko, kanye nezindlela zokuqoqa imali ezinolaka uma amakhasimende ephuthelwa izinkokhelo. Kukhona nemibiko yokuthi ukwesekwa kwamakhasimende kungabambezeleka, ngesikhathi sokuphendula esilinganiselwa emahoreni angama-48 kuya kwangama-72 nge-imeyili noma ingxoxo engaphakathi kuhlelo, futhi ayikho inombolo yocingo yosizo engu-24/7.
Izikhalazo ezivamile zihlanganisa i-APR ephakeme uma kuqhathaniswa nabanye abahlinzeki, kanye nokungabi nezinketho ezanele zokuxhumana nokwesekwa kwamakhasimende. Nokho, kukhona izindaba zempumelelo lapho ababoleki basebenzisa iFasta ukuvala izindleko eziphuthumayo futhi bakwazi ukuthuthukisa umlando wabo wesikweletu ngokukhokha ngesikhathi. Kubalulekile ukuthi amakhasimende acabangele kokubili izinzuzo nezingozi ngaphambi kokuboleka imali kuFasta.
Izeluleko Ezisebenzisekayo Kwabafuna Ukuboleka Imali KuFasta
Njengochwepheshe wezezimali, nginikeza izeluleko ezibalulekile kulabo abacabanga ukuboleka imali kuFasta noma kunoma yimuphi umhlinzeki wemalimboleko ngedijithali. Okokuqala, hlala uyiqonda ngokuphelele imigomo nemibandela. Qinisekisa ukuthi uwuqonda kahle umbuzo wamanani enzalo, izimali zokuqala, izimali zesevisi yenyanga, kanye nanoma yiziphi izimali zokubambezeleka. Cela incazelo uma kukhona okungacacile.
Okwesibili, hlola ukukwazi kwakho ukukhokha. Ngaphambi kokufaka isicelo, zihlole ukuthi ungakwazi yini ukukhokha isamba esifanele ngezinyanga ezimisiwe ngaphandle kokubeka engozini izidingo zakho eziyisisekelo. Ungaboleki imali engaphezu kwalokho ongakwazi ukukukhokha. Khumbula ukuthi nakuba iFasta ikunikeza izinqumo ezisheshayo, lokhu akusho ukuthi kufanele uboleke ngaphandle kokucabangisisa.
Okwesithathu, sebenzisa inzuzo yokukhokha ngaphambi kwesikhathi. Uma izimo zakho zezimali zikuvumela, khokha imali mboleko yakho ngaphambi kwesikhathi ukuze unciphise izindleko zenzalo kanye nenani eliphelele elikhokhwayo. Lokhu kungakusiza ukuthi wonge imali futhi ukhululeke ezikweletini ngokushesha.
Okwesine, hlala ulandelela umlando wakho wesikweletu. Ukukhokha ngesikhathi kuzothuthukisa umlando wakho wesikweletu, okungase kukuvulele amathuba emalimboleko angcono esikhathini esizayo. Ngokuphambene, ukwehluleka ukukhokha kungalimaza kakhulu umlando wakho wesikweletu, okuzokwenza kube nzima ukuthola isikweletu esikhathini esizayo.
Okokugcina, qhathanisa izinketho. Nakuba iFasta inikeza izinzuzo zayo, hlala uqhathanisa izinsizakalo zayo nabanye abahlinzeki bemalimboleko abahlukene emakethe, njengePayJustNow noma iPayflex, ukuze uqiniseke ukuthi uthola idili elingcono kakhulu elihambisana nezidingo zakho nezimo zakho zezimali. Ukucwaninga nokuhlela kusengaphambili kuzokuvikela ezinkingeni ezingadingekile.
