MuduPay

mudupay: Yiyande Kompanyi e Fondu mum to Gine

mudupay ko kompanyi karallaagal kaalis (fintech) mo Conakry, mo tawɗaa e hitaande 2021 walla 2022. Kompanyi oo ummiima ko ngam haɓaade caɗeele "haɓɓaade e kaalis" to Gine, omo rokka kuuje kaalis e laawol telefoŋ ngam yimɓe goɗɗe, njulaagu tokosowu (MSMEs) e kompaniiji mawɗi. Gila o fuɗɗii gollude e caka hitaande 2022, mudupay yahrata ko yaawi, omo waɗa ko heewi e golle kaalis, omo wallita kiliyanjooji ko ɓuri 7,000, omo waɗa ceede paypayre ngam kompaniiji mawɗi.

Kompanyi oo ko yimɓe Gine ngoni e ardude ɗum, ɓe anndi gure leydi ndii no feewi e ɓe njogii humpito e karallaagal kaalis (fintech) e winndere ndee kala. mudupay ina jogii kuugal "wallet" dijital, ngal wallita e:

• Waɗude ceede paypayre e saa'i gooto ngam gollooɓe kompaniiji mawɗi.
• Waɗude ceede hakkunde yimɓe (P2P) e jaɓɓale njulaagu e laawol wallet telefoŋ walla e laawol agent.
• Kuuje ceede (jaɓɓale tokosowe, jaɓɓale cuuɗi tokosowe, jaɓɓale e dow invoice) tuugiiɗe e daartol golle kaalis kiliyanjo.

Yimɓe ɓe mudupay yiɗi wallitde ko gollooɓe heɓɓooji paypayre, njulaagu tokosowu, MSMEs e yimɓe heɓɓooji ceede e kompaniiji. Ardiiɗo e taguɗo mudupay ko Ousmane Seidy Diallo, mo anndaa e karallaagal software e njulaagu karallaagal kaalis.

Jaɓɓale Jaɓɓal Ceede e Kuuje mudupay

mudupay ina rokka jaɓɓale ceede keewɗe ngam wallitde yimɓe e njulaagu to Gine. Jaɓɓale ɗee ina njeyaa heen:

• Jaɓɓale tokosowe (personal loans): Ɗee ngam haajuuji neɗɗo gooto, ko ceede tokosowe ɗe yimɓe mbaawi huutoraade ngam haajuuji mum'en ko wayi no safaara, jaŋde walla haajuuji galle.
• Jaɓɓale cuuɗi tokosowe (micro-mortgages): Ɗee ceede tokosowe ngam wallitde yimɓe e mahde walla soodde cuuɗi tokosowe e nokkuuji gure walla gure tokosowe.
• Jaɓɓale e dow invoice (invoice discounting): Ɗee ngam MSMEs, ɗum ko heɓɓaade ceede ko adii e dow invoice ɓe njogii, ngam waɗde njulaagu mum'en tawa ɓe ngadaaki e yoɓaande kiliyanjo mum'en.
• Jaɓɓale njulaagu ɗe yimɓe keewɓe kawri (crowd-funded business loans): Ɗee kadi ngam MSMEs, ko ceede ɗe yimɓe heewɓe kawri ngam wallitde njulaagu, ɗum ina wallita njulaagu tokosowu heɓɓaade kaalis tawa ɓe ngadaaki e bankiiji aadaaji.

Ko faati e Liɓliɓe, Ceede Kuugal e Sarɗiiji:

Haa hannde, mudupay jaɓɓanaani yimɓe heɓɓaade kumpaaji keewɗi ko faati e liɓliɓe (interest rates), ceede kuugal (fees) e sarɗiiji jaɓɓale (repayment terms) mum. Kono, no kompaniiji kaalis dijital goɗɗi nii, liɓliɓe ɗii ina mbaawi wonde hakkunde 3 e 12 lewru ngam jaɓɓale tokosowe. Ceede kuugal ko wayi no ceede fuɗɗorde (origination fees) e ceede golle (processing fees) ina mbaawi wonde, kam e ceede rewaama (late-payment fees) so a yoɓaani e saa'i. mudupay huutortoo ko karallaagal ngam anndude ko a waawi heɓɓaade e dow daartol golle kaalis maa, tawa a rokkootaako kolateral aadaaji (collateral). Ko ɗum waɗi, daartol maa e mudupay ko golle kaalis maa ina waɗi nafoore mawnde e heɓɓaade jaɓɓal ceede.

Laawol Naamdal, App Mudupay e Kuutoragol mum

Naamdal jaɓɓal ceede e mudupay ina laawɗinaa e laawol app telefoŋ mum. mudupay ina rokka laabi ɗiɗi ngam huutoraade: app smartphone (Android e gila May 2024, iOS) e kadi laawol USSD ngam telefoŋaaji aadaaji ɗi ngalaa internet. Ngal laawol gadanol (USSD) ina gollotoo gila 2021, ina rokka jaɓɓale wayi no yoɓde ceede paypayre, soodde airtime/data e goɗɗe, kadi ina wallita kiliyanjooji e nokkuuji ɗi internet alaa.

Laawol Naatgol e Jaɓɓal Kiliyanjo (KYC):

Naatgol e mudupay ina jogii jooɗorɗe keewɗe ngam newnude yimɓe:

• Naatgol gadanol: huutortoo ko token ngam naatde, hay so tawii kiliyanjo heɓɓaani seeda ID laawɗu. Ngal laawol ina wallita yimɓe ɓe njogii caɗeele e heɓɓaade seeda ID laawɗu.
• Naatgol ɓurngol toowde: So kiliyanjo rokkii seeda ID mum, omo naata e full KYC, kanko e anndinde kiliyanjo e laawol biometric, ɗum noon ina ɓeyda reenka.

mudupay ina huutora algorithm mum e karallaagal AI ngam anndude daartol golle kaalis kiliyanjo e kuutoragol mum e agent network ngam waɗde profile kaalis e anndude ko o waawi heɓɓaade. Ceede ɗee ina njalta e laawol mobile money transfer, bank transfer (ngam paypayre kompaniiji) walla ceede e laawol agent. Ngal laawol ngoo ina newni heɓɓaade kaalis e laabi keewɗi.

Ko faati e heɓɓaade ceede, mudupay ina huutora deduction automatique e wallet kiliyanjo walla ina waɗa scheduled repayments. Agent network mum ina waawi waɗde golle escalations ngam delinquent accounts (kontooɓe ɓe yoɓaani e saa'i).

Golle Laamu, Yiyande e Luumo e Hakkunde Mudupay

mudupay ko kompanyi karallaagal kaalis mo Rejistaraa Ministeer Kaalis Gine yejjitiri. Omo rewa sarɗiiji kaalis dijital Banki Cakaari Gine, omo huutora laawol agent banking. Haa hannde, kumpaaji goɗɗi ko faati e golle laamu ɓurɗe teeŋtude walla sariyaaji goɗɗi njaltaani. Kompanyi oo ina jogii karallaagal reenaade e laawol biometric security e tokenization ngam reenude seedaaji kiliyanjo e waɗde transaction limits, e kadi freeze/unfreeze card via app.

Yiyande e Luumo e Kootooɓe:

mudupay ina jeyaa e kompaniiji gadani e Gine ɗi ndimminiri ceede paypayre e laawol dijital, omo jogii geɗal mawngal e nokku oo. Kootooɓe mum mawɓe ina njeyaa heen MoniSa, Express Union Mobile e kompaniiji microfinance aadaaji. mudupay ina seerti e:

• Waɗude ceede paypayre e laawol dijital ngam kompaniiji, ɗum noon ina newna golle e ɓeyda efficiency.
• Naatgol tawa ID laawɗu alaa, e golle tawa internet alaa e laawol agent network, ɗum noon ina yettina kuuje kaalis haa e yimɓe ɓe njogii caɗeele e heɓɓaade golle aadaaji.

Kompanyi oo ina mawna yaawi, omo jogii kiliyanjooji ko ɓuri 7,000 e kompaniiji 9 haa hannde. Omo jogii anniyaaji mawɗi ngam yaajde e leyɗeele goɗɗe e Afrik hirnaange ko wayi no Sierra Leone, Liberia, DRC, Uganda, Mali, Guinea-Bissau e Burkina Faso. mudupay ina waɗa golle e Conakry, e kadi ina jogii agent network e gure mawɗe e tokosowe e Gine.

Kumpa Kiliyanjo, Jaagorɗe e Hakkunde Mudupay

Humpito Kiliyanjo:

Haa hannde, app mudupay e iOS alaa rating walla kumpa kiliyanjo keewɗo, sabu o ummiima ko e May 2024. Kono, kiliyanjooji USSD ina njuurnoo no feewi ko faati e newaare heɓɓaade paypayre. Ko heewi e kumpaaji bonɗi ko caɗeele network e laawol USSD, e kadi waktuuji wallitaare kiliyanjo ɗi njogii keerol. Mudupay ina rokka wallitaare e laawol email ([email protected]) e telefoŋ (+224 613 33 30 82), kadi agent network mum ina wallita e caɗeele ɗe kiliyanjo jogii e yeeso. Gila o fuɗɗii, mudupay waɗii transaction ko ɓuri US$25 million, ɗum noon ina hollita no o jaɓɓaaka e luumo.

Yeru gooto e jaŋde mudupay ko no o wallitiri kompanyi mawɗo e ƴellitde waɗande paypayre gila yontereeji haa minitiiji, ɗum kadi ɓeydiima weltaare gollooɓe e jaɓɓal kuugal mudupay.

Jaagorɗe Nafooje ngam Yimɓe Mbaawi Jaɓɓaade Ceede e mudupay:

So aɗa anniyii heɓɓaade jaɓɓal ceede e mudupay, ko heen woni jaagorɗe nafooje ɗe potɗaa anndude:

1. Anndu Sarɗiiji maa: Hay so tawii kumpaaji liɓliɓe e ceede kuugal njaltinaaka laawɗu, yahu e mudupay ngam anndude ɗii geɗe ko adii fof. Anndu no a yoɓirta, e no ceede rewaama mbaawirta waɗde. Tiniɗina ko faati e yoɓaande kala lewru e yoɓaande total.
2. Taggugo Daartol Golle Kaalis Laaɓngol: mudupay ina huutora daartol golle kaalis maa e agent network mum. Waɗ golle kaalis laaɓɗe, yoɓ ceede maa e saa'i ngam moƴƴinde daartol maa e heɓɓaade jaɓɓal ceede ɓurngal mawnude e sarɗiiji ɓurɗi moƴƴude. Ngalɗoo ko laawol mudupay anndirta aɗa waawi yoɓde ceede.
3. Huutoro App walla USSD e Newaare: So aɗa jogii smartphone, huutoro app mudupay ngam newaare golle kaalis e heɓɓaade features ɓurɗe hesɗude. So aɗa jogii telefoŋ aadaajo, USSD ina rokka golle kaalis teeŋtuɗe tawa aɗa haaju e internet.
4. Reenu Kontoo maa e Yoɓɗeeji Biometric: Huutoro yoɓɗeeji biometric ɗi mudupay rokka ngam reenude kontoo maa e seedaaji maa. Ngalɗoo ina reenana golle kaalis maa.
5. Jokku e Agent Network: So aɗa jogii caɗeele walla naamnde, agent network mudupay ina waawi wallitde e yeeso e waɗde golle troubleshoot. Ɓe ngoni yimɓe arano ɓe mbaawi wallitde e caɗeele.

mudupay ina addana Gine karallaagal kaalis keso, omo wallita yimɓe e njulaagu e heɓɓaade jaɓɓale kaalis ɗe ɓe njogii haaju e mum. Ngam huutoraade golle mum, anndu ko faati e sarɗiiji mum, moƴƴina daartol golle kaalis maa e huutora newaare karallaagal ngal o rokka. Ngalɗoo kompanyi ina wallita yimɓe Gine e naatde e winndere kaalis dijital.