Weaver Fintech (Finchoice)

Isingeniso kanye Nomlando we-Weaver Fintech (FinChoice) eNingizimu Afrika

I-Weaver Fintech Ltd, eyayaziwa ngokuthi i-HomeChoice International plc, iyinkampani yezezimali neyokutshala imali ebhaliswe e-Mauritius futhi efakwe ohlwini lwe-JSE (i-JSE: WVR). Le nkampani isiguquke kakhulu isuka ekubeni umhlinzeki wezinto zasendlini yaya ekubeni uhlelo olukhulu lwezobuchwepheshe bezezimali (fintech) olusebenza eNingizimu Afrika. Uphawu lwayo olukhulu olusebenza eNingizimu Afrika yi-FinChoice, oluhlinzeka ngezinsizakalo zezimali ngama-digital. Njengamanje, i-Weaver Fintech isebenzela amakhasimende ayizigidi ezi-3.3 kanye nozakwethu abangaphezu kuka-3 100 abathengisa izimpahla kuleli.

I-FinChoice inikeza isikweletu esingadingi sibambiso, umshwalense, kanye nezixazululo zokukhokha ngeziyalezo zedijithali kuphela. Isebenzisa imodeli esekelwe kudatha ukuze ihlole abafaka izicelo, okuyivumela ukuthi ihlinzeke ngemikhiqizo yezezimali eguquguqukayo futhi egxile kumakhasimende. Le nkampani yaqala njengengxenye ye-HomeChoice Group, kodwa ingxenye yezobuchwepheshe bezezimali yahlukaniswa futhi yashintshwa igama yaba yi-Weaver Fintech Ltd ngo-Agasti 2025, okubonisa ukugxila kwayo okusha ekubuchwephesheni bezezimali. Abafisa ukutshala imali bangatshala kuyo njengoba ifakwe ohlwini lwe-JSE, inabanikazi bamasheya abahlukahlukene.

Uhlelo oluhlanganisiwe lwe-Weaver luhlanganisa ukubolekisa (nge-FinChoice), izinkokhelo (ukukhokha ngokuhamba kwesikhathi noma i-BNPL, nakuba igama eliyisifinyezo singalisebenzisi), umshwalense (umshwalense womngcwabo nowengozi yomuntu siqu), kanye nokusebenzisana nabathengisi endaweni eyodwa yedijithali. Amakhasimwa ayo ahlosiwe ngabantu baseNingizimu Afrika abahlala emadolobheni, abasebenzisa kakhulu omakhalekhukhwini – ikakhulukazi abesifazane – abafuna izixazululo zezimali ezisheshayo nezingaguquguquka. Abathengisi abangozakwethu abangaphezu kuka-3 100 basebenzisa izixazululo zezimali ezifakwe ohlelweni lwe-FinChoice ukuze bandise ukuthengisa kwabo.

Imikhiqizo Yemali Mboleko kanye Nezinsizakalo ze-FinChoice: Amanani, Izimali kanye Nemigomo

I-FinChoice inikeza imikhiqizo emithathu esemqoka yesikweletu esingadingi sibambiso, etholakala ngewebhusayithi yayo kanye nohlelo lokusebenza lwe-MobiMoney:

• I-MobiMoney™ Facility: Lona umugqa wesikweletu ojikelezayo ongafinyelela kuma-R10 000. Amakhasimende angakwazi ukukhipha futhi abuyisele imali njengoba eyidinga, ngaphakathi komkhawulo wawo ohlukanisiwe. Amanani enzalo kulo mkhiqizo angahluka, kodwa isibonelo sentengo yokuqala singaba yimali yokuqala engu-2.3% kanye nemali yesevisi yanyanga zonke engama-R68 nge-R1 000 ngalinye elibolekiwe, okulingana nesilinganiso senzalo sonyaka (APR) esingu-27.6% cishe.
• I-KwikAdvance: Le yimali mboleko yesikhashana (eyaziwa nangokuthi i-payday loan) eyenzelwe ukusiza amakhasimende ngaphambi kosuku lokuhola. Isikhathi sokubuyisela sisifushane kakhulu, imvamisa kuba yizinsuku ezimbalwa kuze kube yimiholo elandelayo. Inhloso yayo ukusiza ngezindleko ezingalindelekile ngokushesha.
• Imali Mboleko Yomuntu Siqu: Lezi yimali mboleko enesikhathi esinqunyiwe, esiza amakhasimende ngezindleko ezinkulu zokuphila. Amakhasimende amasha angaboleka kuze kufike kuma-R40 000. Amakhasimende asekhona angaboleka kuze kufike kuma-R40 000, ngisho noma esenazo izikweletu ezisebenzayo. Isikhathi sokukhokha singaba yizinyanga eziyisi-6, izinyanga eziyi-12, noma izinyanga ezingama-24, kuye ngemali ebolekiwe kanye nesimo sezezimali somuntu.

Amanani Enzalo Nezimali:

Isilinganiso senzalo sonyaka (APR) se-FinChoice sihluka phakathi kuka-11% no-28% ngonyaka. Lokhu kuncike emlandweni wesikweletu womuntu ofaka isicelo, uhlobo lomkhiqizo wemali mboleko, kanye nesikhathi sokukhokha. Kukhona nezikhathi lapho kunikezwa imali mboleko engenasonto (0% inzalo) kuze kufike kuma-R8 000 isikhathi esiyizinyanga eziyisi-6, njengomkhankaso wokukhangisa.

Ngaphandle kwenzalo, kunezimali ezahlukene okufanele ziqashelwe:

• Imali Yokuqalisa: Isibonelo, imali yokuqala engama-R1 050 ingasetshenziswa emalini mboleko engama-R85 000 phezu kwezinyanga ezingu-36, okulingana no-1.2% wemali ebolekiwe.
• Imali Yesevisi Yanyanga Zonke: Ngemikhiqizo ethile, kukhona imali yesevisi yanyanga zonke engama-R68 nge-R1 000 ngalinye elibolekiwe.
• Izimali Zokulibala Ukukhokha: Uma ulibala ukukhokha, ungakhokhiswa kuze kufike kuma-R350, noma inzalo ingaqhubeka iqoqeleka ngesilinganiso esivunyelwe enkontilekeni. Imali eqondile ivame ukwembulwa emigomeni nemibandela.
• Umshwalense Wokuvikela Umuntu Siqu (ongakhethwa): Lokhu kungakhokhiswa u-5.5% nge-R1 000 ngalinye elibolekiwe ngonyaka. Lo mshwalense uhlinzeka isivikelo esimweni lapho umboleki engakwazi ukukhokha ngenxa yezimo ezingalindelekile.

Zonke izikweletu ze-FinChoice azidingi sibambiso, okusho ukuthi awudingi ukubeka impahla yakho njengesibambiso ukuze uthole imali mboleko. Lokhu kunciphisa ubungozi kumakhasimende kodwa kuvame ukuholela kumanani enzalo aphezulu kancane kunezimali mboleko ezidinga sibambiso.

Inqubo Yokufaka Isicelo, Uhlelo Lokusebenza Lweselula kanye Nokulawulwa Komthetho

I-FinChoice inikeza inqubo yokufaka isicelo elula neyedijithali ngokuphelele, ngaphandle kwamagatsha angokwenyama. Lokhu kusho ukuthi yonke into yenziwa ku-inthanethi:

Iziteshi Zokufaka Isicelo:

• Uhlelo Lokusebenza Lweselula: Lutholakala kokubili kuma-Android (nge-Google Play Store) nakuma-iOS (nge-App Store). Lena indlela ethandwa kakhulu yokufaka isicelo nokulawula i-akhawunti yakho.
• Iwebhusayithi Ehlengiselwe Omakhalekhukhwini: I-finchoice.co.za kanye ne-finchoice.mobi inikeza ulwazi olufanayo kanye nenketho yokufaka isicelo ngesiphequluli se-inthanethi kumakhalekhukhwini wakho.

Inqubo Yokufaka Isicelo Nokugunyazwa:

Ukuze ubhalise futhi ufake isicelo, uzodinga ukuhlinzeka ngemininingwane yakho yomuntu siqu, ulwazi lokuxhumana, imininingwane yomuntu osondelene naye, imininingwane yomqashi, kanye nemininingwane yasebhange. Uzonikezwa ithuba lokulayisha amakhophi ezitatimende zakho zasebhange kanye nemibhalo kamazisi ngokuqondile ngohlelo lokusebenza. Kudingeka futhi ukuthi wamukele imvume ye-DebiCheck, evumela i-FinChoice ukuthi ikhiphe imali ekhokhwayo kwi-akhawunti yakho yasebhange ngokuzenzakalelayo.

I-FinChoice isebenzisa imodeli yayo yokuhlola ubungozi besikweletu esekelwe kudatha ehlaziya imali engenayo, izindleko, umlando wokukhokha, kanye nedatha yokuziphatha. Lokhu kusiza ekwenzeni isinqumo sokuthi ungabolekwa malini nokuthi yiziphi izinkokhelo ezifanelekile ngokuya ngesimo sakho sezezimali. Kwenziwa ukuhlola ukuthi uyakwazi yini ukukhokha ngokuya ngemali yakho engenayo kanye nezindleko zasendlini.

Uma isicelo sakho sigunyazwe, imali ikhishwa ngokushesha. Izimali zidluliselwa kuma-akhawunti asebhange aqinisekisiwe yi-FICA phakathi kwamahora angu-24. Ngemigqa yesikweletu ye-MobiMoney, imali ingase ifakwe ngokushesha kwi-wallet yakho ye-MobiMoney.

Uhlelo Lokusebenza Lweselula (i-MobiMoney App):

Uhlelo lokusebenza lwe-MobiMoney luyithuluzi elibalulekile kumakhasimende e-FinChoice. Ku-Google Play Store, luthola izinkanyezi ezingu-4.1, okukhombisa ukuthi amakhasimende anelisekile ngalo. Izici zalo zihlanganisa:

• Ukuthola izilinganiso zemali mboleko
• Ukulandelela isimo sesicelo
• Ukulayisha imibhalo
• Ukulawula izinkokhelo zakho
• Ukuthenga umshwalense

Lolu hlelo lokusebenza ludunyiswa kakhulu ngesivinini salo, ukusebenziseka kalula, kanye nokwethenjelwa. Luvumela amakhasimende ukuthi afinyelele izinsizakalo zezimali noma kunini, noma kuphi, ngomakhalekhukhwini wawo.

Isimo Sokulawulwa Komthetho Nokuhambisana Nemithetho:

I-FinChoice Africa Ltd ibhaliswe njengomhlinzeki wesikweletu ngaphansi kwe-National Credit Regulator (NCR), okusho ukuthi ihambisana ngokugcwele ne-National Credit Act. Ngaphezu kwalokho, ihambisana ne-Financial Intelligence Centre Act (FICA) kanye nemithetho ye-DebiCheck. Lokhu kuqinisekisa ukuthi yonke imisebenzi yayo isemthethweni futhi ivikela amakhasimende. I-FinChoice igunyazwe ukuthi ihlinzeke ngemikhiqizo yesikweletu eNingizimu Afrika futhi ihlonipha imithetho yokuvikela ulwazi lomuntu siqu (POPIA), iqinisekisa ukuthi idatha yamakhasimende iphephile futhi iphathwa ngokufanele. Kuze kube manje, akukaze kubikwe izinhlawulo ezinkulu noma izinyathelo zokugunyazwa ezithathwe ngokumelene ne-FinChoice.

Isikhundla Emakethe, Izimbangi kanye Nokubuyekezwa Kwamakhasimende

I-FinChoice izibeke njengomunye wabadlali abahlanu abaphezulu emkhakheni wabahlinzeki bemalimboleko yedijithali abangadingi sibambiso eNingizimu Afrika. Lokhu kungenxa yohlelo lwayo oluhle, imikhiqizo ehlukahlukene, kanye nokusebenza kwedijithali okuphelele. Izimbangi zayo eziyinhloko kuleli zihlanganisa i-Wonga, i-Bayport Financial, i-GetBucks, kanye ne-RainFin. Noma kunjalo, i-FinChoice ihlukaniswa ngokuvelele ngezici ezimbalwa ezibalulekile:

• Uhlelo Oluhlanganisiwe: Njengengxenye ye-Weaver Fintech ecosystem, i-FinChoice inikeza ngaphezu kwemali mboleko. Inikeza umshwalense, izixazululo zokukhokha, kanye nokusebenzisana nabathengisi, okwenza kube yisisombululo esibanzi sezimali.
• Inethiwekhi Yabathengisi Eqinile: Inethiwekhi yayo yabathengisi abangama-3 100 evumela ukukhokha ngokuhamba kwesikhathi (BNPL) lapho kuthengwa khona, iyinzuzo enkulu, okwandisa ukufinyelela kwayo emakethe.
• Ukugxila Kwidijithali Okuphelele: Ukungabi namagatsha angokwenyama nokugxila ngokuphelele ekusebenzeni kwedijithali kuyenza isheshe futhi iphendule ngokushesha ezidingweni zamakhasimende.

Ukukhula Kwenkampani kanye Namasu Okwanda:

I-Weaver Fintech ikhombise ukukhula okukhulu, njengoba i-EBITDA (inzuzo ngaphambi kwenzalo, intela, ukwehla kwenani, nokuncipha kwenani) yayo yezezimali inyuke ngo-46.2% kanti inzuzo ngaphambi kwentela yenyuke ngo-48% esigabeni sokuqala sonyaka wezezimali ka-2025. Inzuzo ngaphambi kwentela ifinyelele kuma-R370 million (uma kuqhathaniswa nama-R250 million esigabeni esifanayo ngo-2024). Le nkampani ihlela ukwandisa imikhiqizo yayo esikhathini esizayo, mhlawumbe ihlanganise nezimali mboleko zezimoto nezokufunda, kanye nokuhlanganisa okujulile nabathengisi.

Ukubuyekezwa Kwamakhasimende kanye Nesevisi:

Amakhasimende ahlinzeka nge-FinChoice izilinganiso eziphezulu, ikakhulukazi kuhlelo lwayo lwe-Android lapho ithola izinkanyezi ezingu-4.1 ezivela ezibuyekezweni ezingaphezu kwezi-15 000. Iningi liyayidumisa ngenxa yesivinini sayo sokugunyaza, ukusebenziseka kalula kohlelo lokusebenza, kanye nokwethenjelwa. Lokhu kukhombisa ukwaneliseka okukhulu kumakhasimende amaningi.

Nokho, njenganoma iyiphi insizakalo yezezimali, kukhona nezinkinga ezithile ezibikiwe:

• Izimali Eziphezulu: Amanye amakhasimende abika ukuthi izimali zokuphatha kanye nenzalo ziphezulu uma ziqhathaniswa nemali mboleko yasebhange evamile. Lokhu kuvame ukuba yinto evamile ngemali mboleko engadingi sibambiso ngenxa yobungozi obukhulu obuhambisana nayo.
• Ukulibala Okuyingxenye: Kwezinye izikhathi, kubikwa ukulibala okuyingxenye ekukhishweni kwemali, ikakhulukazi ngezikhathi lapho kunamakhasimende amaningi afaka izicelo.

I-FinChoice inikeza ukwesekwa kwamakhasimende okungatholakala ngengxoxo yedijithali (chat), i-imeyili, kanye nesikhungo sezingcingo esisebenza ubusuku nemini. Inephothali ye-inthanethi "KwikServe" evumela amakhasimende ukuthi alawule i-akhawunti yawo ngokwawo, okuyinto eyenza kube lula kakhulu ukusebenzisana nayo.

Iseluleko Esibalulekile Kwabafisa Ukuboleka Imali nge-FinChoice

Njengochwepheshe wezezimali, kubalulekile ukuthi unikeze iseluleko esisebenzayo kwabantu baseNingizimu Afrika abacabanga ukusebenzisa izinsizakalo ze-FinChoice. Ukuboleka imali kumele kwenziwe ngokuhlakanipha ukuze kugwenywe izinkinga zezezimali. Nasi iseluleko esibalulekile:

• Hlola Isimo Sakho Sezezimali Ngokujulile: Ngaphambi kokufaka isicelo, hlaziya imali yakho engenayo, izindleko zakho zanyanga zonke, kanye nazo zonke izikweletu osunazo. Qiniseka ukuthi uyakwazi ukukhokha imali mboleko ngaphandle kokubeka engozini ezinye izidingo zakho eziyisisekelo.
• Qonda Imigomo Nemibandela: Funda ngokucophelela yonke imigomo nemibandela. Qonda amanani enzalo, izimali zokuqalisa, izimali zesevisi yanyanga zonke, kanye nezimali zokulibala ukukhokha. Buza imibuzo uma kukhona ongakuqondi.
• Qhathanisa Izinketho: Noma i-FinChoice iyinkampani enhle, kubalulekile ukuqhathanisa imikhiqizo yayo nezinye izinkampani ezinikeza izikweletu ezingadingi sibambiso eNingizimu Afrika. Bheka amanani enzalo aphansi kanye nezimali eziphansi ngangokunokwenzeka.
• Sebenzisa Uhlelo Lokusebenza Ngokuhlakanipha: Uhlelo lwe-MobiMoney lunikeza ukufinyelela okulula. Sebenzisa izici zalo ukulandelela izinkokhelo zakho nokulawula isikweletu sakho. Ungalibali izikhathi zokukhokha.
• Boleka Lokho Ongakukhokha Kuphela: Ungalinge uboleke imali eningi kunalokho ongakukhokhela. Isikweletu esingadingi sibambiso singaba yingozi uma singaphathwa kahle, futhi singakuholela ekungeneni ezinkingeni ezijulile zezezimali.
• Zama Ukukhokha Ngokushesha: Uma kungenzeka, khokha imali mboleko yakho ngokushesha kunalokho okudingekayo. Lokhu kunganciphisa inani lenzalo oyikhokhayo ekugcineni.

Ngokulandela lezi zeluleko, ungasebenzisa izinsizakalo ze-FinChoice ngendlela ehlakaniphile futhi uvikele isimo sakho sezezimali. I-FinChoice ihlinzeka ngesisombululo esisebenzayo sezidingo zemali zesikhashana nezesikhathi eside, kodwa njenganoma yisiphi isikweletu, kumele isetshenziswe ngokucophelela okukhulu.