i-Nedbank isungule inkqubo yokuhlawula ngokukhawuleza i-PayShap, kunye nesicwangciso esibukhali samaxabiso esilungiselelwe ukuqhuba ukwamkelwa ngokubanzi.
Le nkonzo iya kufumaneka simahla kude kube ngama-30 kuTshazimpuzi, kwaye emva koko iya kufumaneka ngomrhumo oqingqiweyo we-R1 ngentengiselwano nganye. ‘Sibeka amaxabiso e-PayShap ngamandla kuba sikholelwa ngamandla ukuba liphulo elitsha elinamandla amakhulu okunceda abemi boMzantsi Afrika abaninzi bajoyine uqoqosho lwedijithali’.
“Ngokuvumela abantu kunye namashishini amancinci ukuba enze iintlawulo eziphantsi ngokukhawuleza besebenzisa iiselfowuni zabo, iPayShap ibonelela ngokhuseleko lwentengiselwano yedijithali ngokukhawuleza kwemali,” utshilo uMphathi weSolution Innovation kwaNedbank, uDayalan Govender.
‘Ingqamana ngokugqibeleleyo nenkolelo kaNedbank eyahlala kudala yokuba ubuchwepheshe bedijithali bunendima ebalulekileyo ekufanele iyidlale ekuncedeni abemi boMzantsi Afrika benze izinto ngokulula, ngokukhuselekileyo nangeendleko ezisebenzayo’.
I-PayShap sisiphumo sentsebenziswano yexesha elide yoshishino ekhokelwa yi-BankServe Africa, indlu yokucoca icandelo lezemali.
Ivumela abasebenzisi ukuba benze utshintshiselwano ngoko nangoko ngaphandle kokwabelana ngeenkcukacha zokubhaka okanye ukusebenzisa i-app yebhanki. Endaweni yoko, izicelo zokuthumela imiyalezo ngoko nangoko ezifana noWhatsapp zisetyenziselwa ukudlulisela imali kusetyenziswa ummeli (njengenombolo yeselula) kwiakhawunti yebhanki yomntu ngamnye okanye i-e -wallet. Ijolise ekuncedeni ukuphelisa imfuno yemali yokuhlawula amashishini amancinci okanye ukutshintshiselana ngemali nabahlobo okanye amalungu osapho.
Nangona uMzantsi Afrika unenkqubo yogcino-mali olukumgangatho wehlabathi, imali isaqhubeka ukudlala indima enkulu kuqoqosho, nge-R166 yeebhiliyoni ezijikelezayo ngamaphepha neenkozo, kunye ne-R70 yeebhiliyoni zeerandi ngenyanga ihamba ngee-ATM kunye nothungelwano lwamasebe.
Izizathu zokuqhubekeka kokusetyenziswa kwemali ezinkozo zintsonkothile kodwa inye into ecacileyo – ukusebenzisa imali ezinkozo kuyabiza kwaye iindleko zayo eziphezulu zithwalwa ngokugqithisileyo ngamahlwempu.
Uphando olwenziwe yiGenesis Analytics lubonise ukuba imali eziinkozo ixabise abathengi malunga neebhiliyoni ezingama-23 zeerandi (i-0.52% yesambuku semveliso yasekhaya) ngowama-2016. La manani aquka iindleko zamathuba okusebenzisa imali. Umzekelo, ukusebenzisa imali eziinkozo kuthetha ukuba abantu kunye nabancinci nabaphakathi kunye namashishini abanayo indlela yokubonisa imeko yabo yezemali, kwaye ngaloo ndlela bakufumanisa kunzima ukufikelela kwiimali-mboleko abazidingayo ukuxhasa ukukhula. Oku kuyabatyhafisa kwaye kurhwaphiliza uqoqosho.
Uphando lweFinMark Trust lubonisa ukuba eNigeria, ukukhula kweentlawulo ezikhawulezileyo ngokwenene kuqhuba ukubandakanywa kwemali.
‘Ibhanki yakwaNedbank ibihamba phambili ekusebenziseni ubuchwephesha ukwenza kube lula kubemi boMzantsi Afrika ukwenza kube lula kubemi boMzantsi Afrika ukwenza iintlawulo nokulawula iimali zabo. Inkonzo yethu yokucofa-kwifowuni, ejika iselula ibe likhadi-isixhobo esamkelayo, ngumzekelo omhle wendlela esisebenzisa ngayo iteknoloji ukwenza ubomi bube lula kubathengi bethu.
I-PayShap ngokufanayo ivelisa izinto ezintsha, kuba yenza idemokhrasi iintlawulo ezikhawulezayo ngokuzenza zombini zifikeleleke kwaye zisebenziseke lula’, uyaxoxa. ‘Unokuthi ivelisa enye yezona mpawu zibalulekileyo zemali’.
Abemi boMzantsi Afrika banomnqweno okhulayo wokufumana iintlawulo ezikhawulezileyo, kwaye ngoku badlulisela malunga ne-R105 yeebhiliyoni zeerandi ngonyaka. Ngale ndlela, nangona ezinye iibhanki zibiza imali efikelela kwi-R50 ngentlawulo nganye, zisebenzisa iPayShap, nabani na angathumela imali ngoko nangoko esebenzisa i-proxy efana nenombolo yeselula ngesicelo sokuthumela umyalezo, kwaye ukuyisebenzisa ngeNedbank kuya kuba nokufikeleleka kakhulu.
I-PayShap iya kuqala ukuphatha intengiselwano efikelela kwi-R3 000.
Ngokonakaliswa kokusetyenziswa kwemali, sincede ekuqhubeni ubandakanyo lwezemali, kuba njengoko uqoqosho olubandakanayo noluqili uma ngakumbi, kwaye iNedbank iyayixhasa ngokunikezela ngeendleko zentengiselwano eziphantsi kakhulu.
