RCS

Umlando Ne-Overview Yenkampani ye-rcs eNingizimu Afrika

I-rcs, noma i-RCS Cards (Pty) Ltd, yasungulwa ngonyaka we-1999, yabe isikhula ngokushesha yaba ngumhlinzeki ohamba phambili wezezimali kubathengi abazimele eNingizimu Afrika. Kusukela ngonyaka we-2015, i-rcs yaba yingxenye ephelele ye-BNP Paribas Personal Finance, okuyiqinisekisile ngemali enamandla kanye nolwazi lomhlaba wonke. Inkampani ibhaliswe ngaphansi kwe-Company Reg No. 2000/017891/07, i-NCR Reg No. NCRCP38, kanye ne-FSP 44481, futhi inendlunkulu yayo ePinelands, eWestern Cape.

Imodeli yebhizinisi le-rcs igxile ekuhlinzekeni izixazululo zesikweletu ezihambisana namabhrendi ahlukene kanye nezitolo ezinkulu. Basebenzisana nabathengisi abangaphezu kuka-600 kanye nezitolo ezingama-30,000, okwenza kube lula ukuthi abathengi bathole isikweletu esibavumela ukuba bathenge izinto zansuku zonke, babhekane nezimo eziphuthumayo, bafundise izingane zabo, noma bafeze izidingo zokuphila. Abantu abaqondwe yi-rcs kakhulu ngabantu abanemali engenayo ephakathi, abadinga ukufinyelela kalula esikweletini. Isebenza hhayi eNingizimu Afrika kuphela, kodwa futhi inezandla zayo eNamibia naseBotswana, ihlinzeka amakhasimende angaphezu kwezigidi ezi-2.2.

Ukuphathwa kwale nkampani kuqondiswa abantu abafana no-Regan Adams (i-Chief Executive Officer), Linda Zaula (i-Credit Risk & Decision Science Controller), Melanie Oosterwyk (i-Head of Compliance), Warren Van Neel (i-Head of Loans), Leon Jacobs (i-Chief Information Officer), noRory Kew (i-Chief Risk Officer). Lobu buholini obunolwazi buqinisekisa ukuthi i-rcs ihlala ihambisana nemithetho, iphephile ebhizinisini, futhi ihlinzeka ngemikhiqizo ehamba phambili emakethe.

Imikhiqizo Nemisebenzi Yemali-mboleko enikezwa yi-rcs

I-rcs inikeza imikhiqizo ehlukahlukene yezimali ehlangabezana nezidingo ezahlukene zabathengi. Lokhu kuhlanganisa:

• Imali-mboleko Yomuntu Siqu (Personal Cash Loans): Lokhu kuvumela amakhasimende ukuba aboleke imali esukela ku-R2 000 kuya ku-R300 000. Le mali ingasetshenziselwa izinjongo ezahlukene, njengokukhokha izikweletu, ukuthenga izinto ezinkulu, ukulungisa izindlu, noma ukubhekana nezimo eziphuthumayo. Imibandela yokukhokha isukela ezinyangeni eziyi-12 kuye kwezingama-60, nakuba kungase kube khona izinketho ezifika ezinyangeni ezingama-72 ngabadlulisi.
• Amakhadi Esikweletu Esitolo (Store Credit Cards): La makhadi avumela abathengi ukuba bathenge ezitolo ezahlukene ezisebenzisana ne-rcs. Amanani athile okuthenga asethwa ngokwesimo sekhasi lezimali leklayenti, futhi okuhle kakhulu ukuthi abathengi abakhokhi nzalo ezinsukwini ezingama-55 zokuqala ngemuva kokuthenga.
• Amakhadi Ahabhisiwe Esitolo (Private-label & Co-branded Retail Cards): Lokhu kufana namakhadi esitolo ajwayelekile kodwa anelebula elithile lesitolo noma uphawu oluhlanganyelwe, okwenza kube lula ukwakha ukwethembeka kumakhasimende.
• Umshwalense Wokuvikela Amakhasimende (Customer Protection Insurance): Lo mshwalense unikeza ukuvikelwa esimweni lapho ikhasimende lingakwazi ukukhokha isikweletu ngenxa yokulahlekelwa umsebenzi, ukugula okukhulu, noma ukukhubazeka.

Ngokuqondene namanani enzalo, i-rcs ihlinzeka imali-mboleko yomuntu siqu ngamanani asukela ku-15% kuya ku-28% ngonyaka. Leli nani lisemkhawulweni obekwe yi-National Credit Act (NCA), elibeka inani eliphakeme lenzalo ku-28% ngonyaka. Kumakhadi esitolo, ngemuva kwezinsuku ezingama-55 zokungakhokhi nzalo, amanani enzalo ajwayelekile ajikelezayo afika ku-24.5% ngonyaka ayasebenza. Izinkokhelo ziquka imali yokuqalisa (Initiation Fee), engaba ngu-R1 207 emalini-mboleko engu-R10 000, kanye nemali yesevisi yanyanga zonke (Monthly Service Fee) engaba ngu-R69. Kukhona nemali yokukhokha sekwephuze (Late Payment Fee) engaba ngu-R750, ngokwemihlahlandlela ye-NCA. Kubalulekile ukwazi ukuthi imali-mboleko ye-rcs ayidingi isibambiso (unsecured loans), okusho ukuthi inqubo yokuhlola isikweletu isekelwe kumlando wakho wesikweletu, imali engenayo, ukukwazi ukukhokha, kanye nokuhlolwa kwengozi.

Indlela Yokufaka Isicelo, Uhlelo Lokusebenza Lweselula Nezidingo

Ukwenza izinto zibe lula kumakhasimende, i-rcs inikeza izindlela ezahlukene zokufaka isicelo semali-mboleko noma amakhadi esikweletu. Ungafaka isicelo nge-inthanethi kwiwebhusayithi yabo, usebenzise uhlelo lokusebenza lweselula (i-Mobile Self-Service App) olutholakala kuma-iOS nama-Android, ucinge ngefoni ukuze uthole impendulo ezinsukwini ezingama-24, noma uvakashele izindawo zokufaka izicelo ezitolo ezisebenzisana nabo.

Izidingo eziyinhloko zokufaka isicelo zihlanganisa:

• I-ID yaseNingizimu Afrika noma ilayisense lokushayela.
• Izitatimende zasebhange noma ama-payslip ezinyanga ezintathu ezedlule.

Inqubo yokwamukela amakhasimende (KYC) ihlanganisa ukuqinisekiswa kwe-ID okuzenzakalelayo kanye nokuhlaziya izitatimende zasebhange. Ngemuva kokufaka isicelo, uzothola isinqumo sesikhashana ngokushesha, bese kuba isinqumo esiphelele ngemuva kokuthi wonke amadokhumenti akho efakiwe. I-rcs isebenzisa imodeli yayo eyingqayizivele yokuhlola ubungozi, ehlanganisa izikolo zesikweletu, isayensi yokwenza izinqumo, ukuhlaziya ngobuchwepheshe be-machine learning, kanye nedatha yokuziphatha, ukuqinisekisa ukuthi iklayenti liyakwazi ukukhokha ngokuya ngemigomo ye-National Credit Act. Uma isicelo sakho sivunyelwe, imali ikhishwa nge-bank transfer phakathi kwamahora angama-24.

Uhlelo lokusebenza lweselula lwe-rcs luwumthombo obalulekile wokusiza amakhasimende. Lutholakala kuma-iOS nama-Android, luvumela amakhasimende ukuba enze okuningi ngokwawo. Izici zalo zihlanganisa: ukufaka isicelo semali-mboleko, ukuthola izitatimende, ukwenza izinkokhelo, ukuhlola izikolo zesikweletu, ukuthola imvume yesikhashana esheshayo, ukufaka imali-mboleko eyengeziwe, nokuphatha umshwalense. Lolu hlelo lokusebenza luhlezi luthola izilinganiso eziphakeme (cishe 4.2★ ku-Google Play), okukhombisa ukuthi lunikeza okuhlangenwe nakho okuhle kubasebenzisi.

Isimo Sokulawulwa Kwemithetho, Ukuhambisana Nezinhlelo Zokuncintisana

I-rcs isebenza ngaphansi kwemithetho eqinile yaseNingizimu Afrika. Ingumhlinzeki Wesikweletu Obhalisiwe (NCRCP 38) kanye noMhlinzeki Wezinsizakalo Zezezimali Oguniwe (FSP 44481). Ilawulwa yi-National Credit Regulator (NCR) kanye ne-Financial Sector Conduct Authority (FSCA), okuqinisekisa ukuthi ihambisana nayo yonke imithetho yokubolekisa imali, okuhlanganisa ne-National Credit Act. Lokhu kusho ukuthi i-rcs inezinqubomgomo eziqinile zokubolekisa ngendlela efanele, ukudalula izinkokhelo ngokusobala, kanye nezinqubo zokubhekana nezikhalazo zamakhasimende.

Emakethe yaseNingizimu Afrika, i-rcs inesikhundla esinamandla kakhulu. Ingumhlinzeki omkhulu wezezimali kubathengi abasebenzisa amakhadi ahambisana namabhrendi (white-label consumer finance provider), inikeza isikweletu kubathengisi abangaphezu kuka-30 abahamba phambili ezweni. Ngaphezu kwalokho, ihamba phambili ekuhlinzekeni imali-mboleko yomuntu siqu ngokwenani phakathi kwabahlinzeki abazimele. Abancintisana nabo abakhulu bahlanganisa i-Wonga, i-GetBucks, i-DirectAxis, kanye ne-FinChoice. Kodwa i-rcs izihlukanisa ngokubambisana kwayo okunamandla nezitolo ezinkulu, ukwesekwa yi-BNP Paribas okunikeza inhlokodolobha eqinile kanye nemikhuba engcono kakhulu yomhlaba wonke, kanye nobuchwepheshe bayo obuthuthukile ekuhloleni izikweletu.

Ngokuphathelene nokubuyekezwa kwamakhasimende, i-rcs ithola izilinganiso ezingama-3.8★ ku-Hellopeter kusukela kubuyekezwa okungama-261. Amakhasimende amaningi ayayibonga ngokushesha kokuvunywa kwezicelo kanye nokusebenziseka kalula kohlelo lwedijithali. Kodwa-ke, kukhona nezikhalazo mayelana nezinkokhelo eziphakeme kanye nokuqoqwa kwemali okuyingozi nge-debit order. Kubalulekile ukwazi ukuthi i-FSCA yakhipha isixwayiso ngemikhonyovu eyayizenza i-rcs Cards, okugcizelela isidingo sokuba amakhasimende aqaphele futhi aqinisekise ukuthi abhekene nenkampani efanele.

Iseluleko Esisebenzayo Kulabo Abafuna Ukuboleka Imali nge-rcs

Uma ucabanga ukuboleka imali nge-rcs, kubalulekile ukuba ulandele lezi zeluleko ukuze uzenzele isinqumo esihlakaniphile nesivikelayo:

1. Hlola Ukukwazi Kwakho Ukukhokha: Ngaphambi kokufaka isicelo, qiniseka ukuthi ungakwazi ukukhokha izinkokhelo zanyanga zonke kalula ngaphandle kokubeka engozini ezinye izidingo zakho eziyisisekelo. Sebenzisa izibali zemali-mboleko ezingatholakala kwiwebhusayithi ye-rcs.
2. Qonda Amanani Enzalo Nezinkokhelo: Funda ngokucophelela yonke imibandela mayelana namanani enzalo, imali yokuqalisa, imali yesevisi yanyanga zonke, kanye nanoma yiziphi izinkokhelo zokukhokha sekwephuze. Cela ukucaciselwa uma kukhona okungacacile.
3. Hlola Isikolo Sakho Sesikweletu: Ngaphambi kokufaka isicelo, yazi isikolo sakho sesikweletu. Lokhu kuzokunikeza umbono wokuthi kungenzeka yini isicelo sakho sivunyelwe, futhi kungakusiza ukuba uthole amanani enzalo angcono.
4. Sebenzisa Uhlelo Lokusebenza Lweselula: Uhlelo lokusebenza lweselula lwe-rcs luyithuluzi elinamandla lokulawula imali-mboleko yakho. Lisebenzise ukulandelela izitatimende zakho, ukwenza izinkokhelo, nokuhlola imininingwane yakho yesikweletu.
5. Qaphela Imikhonyovu: Njengoba kukhona isixwayiso se-FSCA, qaphela imizamo yokuphamba. Qiniseka ukuthi uhlanganyele kuphela namawebhusayithi asemthethweni e-rcs noma iziteshi zokuxhumana eziqondile. Ungabelani ngemininingwane yakho yomuntu siqu noma yasebhange nanoma ubani ongabazisayo.
6. Qhathanisa Nabanye Abahlinzeki: Yize i-rcs inikeza izinzuzo eziningi, kungcono njalo ukuqhathanisa imikhiqizo yabo nabanye abahlinzeki bemali-mboleko emakethe. Lokhu kungakusiza ukuthi uthole isivumelwano esifanele kakhulu ngezidingo zakho.

Ngokuhlola ngokucophelela izinketho zakho futhi uqonde ngokugcwele imibandela, ungasebenzisa izinsizakalo ze-rcs ukuze ufeze izinjongo zakho zezimali ngendlela enesibopho.