Ndasenda

Isingeniso seNdasenda kanye Lomlando Wayo eZim

INdasenda, esetshenziswa yi-FN Software Solutions Private Limited, iyisisekelo sezezimali zedijithali esisebenza eZimbabwe. Yenziwe ngenhloso yokuqondisa imisebenzi yezezimali yedijithali kwabasebenzi abahola umholo, abathengisi, kanye lamabhizinisi amancane kakhulu. Kusukela yethulwa ngenyanga kaMunya (June) ngomnyaka ka-2024, nge-Ndasenda Pay yayo, inkampani yanda ngokushesha, isebenzisana lamabhange, izikhungo ezincane zezimali (microfinance institutions), kanye lezinkampani zokuxhumana ukuze inikeze izikwelede, imbadalo, kanye lemisebenzi ye-wallet kuyo yonke iZimbabwe. Le yinkampani esekela abasebenzi, osomabhizinisi abancane, kanye labathengisi, ibasiza ukuthi bathole izimali ngendlela elula esheshayo.

I-FN Software Solutions yasungulwa ngomnyaka ka-2011, kuthi i-Ndasenda Pay yethulwa ngomnyaka ka-2024. Inhloko yayo ise-4 Phillips Avenue, Belgravia, eHarare. Inkampani iphethwe ngabantu bephosakho ngokupheleleyo, kanti imali yokuqala yasetshenziselwa ukwakha isisekelo sezikhungo ezincane zezimali, ngosizo lwabalingani abanjengo-ZMF lo-DFID. Inkampani isebenza njengesisekelo esihlanganisa ukunikezwa kwezikwelede zedijithali, ama-wallet, imbadalo yezikwelede, kanye lemisebenzi ye-e-commerce endaweni eyodwa. Isikhulu Esiphetheyo se-Ndasenda Pay nguMnumzana Never Ndemera, oholayo ekuthuthukiseni izinsizakalo zedijithali eZimbabwe.

Uhlobo Lwezikwelede ZeNdasenda, Inzalo, kanye Lemibandela

INdasenda inikeza izikwelede ezahlukene ezihambelana lezidingo zabantu abahlukeneyo. Uhlobo olukhulu lwezikwelede lunje:

• Izikwelede Ezisekelwa Umholo: Lezi zikwelede zenziwa ngokusebenzisa ukudonswa okuqondile emholweni womsebenzi, okwenza indlela yokubhadala ibe lula futhi ithembekile. Kudingeka ukuthi umqashi aqinisekise umholo.
• Izikwelede Zokuthuthukisa Abathengisi: Lezi yizimali ezinikezwa abathengisi ukuze bathenge impahla ezitolo zabo, ikakhulukazi ukuze basebenzise izinsizakalo ze-point-of-sale.
• Izimali Zokusebenza Zamabhizinisi Amancane: Kukhona lezikwelede ezinikezwa amabhizinisi amancane kakhulu ukuze athuthukise imisebenzi yawo yansuku zonke. Kodwa-ke, imininingwane eqondile ngalezi zikwelede akukaze kuvezwe emphakathini.

Amazinga Enzalo Lemali Yokusebenzisa

Amazinga enzalo kanye lemali yonyaka eqondile (APR) ayikavezwa emphakathini ngqo yiNdasenda. Lokhu kungenxa yokuthi amazinga abekwa yizikhungo zezimali ezisebenzisana leNdasenda, kuye ngengozi yomqashi kanye lezinye izinto ezinjengomlando wezezimali. Ngakho-ke, umboleki ulindeleke ukuthi athole imininingwane eqondile kuso isikhungo esipha isikwelede.

Imibandela Yokubhadala Lezimali

Isikhathi sokubhadala isikwelede sivame ukuba phakathi kwenyanga eyodwa lezi-12, sihambelana lezikhathi zokuhola. Ukubhadala kwenziwa ngokudonswa ngqo emholweni womsebenzi, noma ngokusebenzisa i-mobile money wallet. Kungenzeka kube lezimali zokuqalisa/zokucubungula ezikhokhiswa yizikhungo zezimali. Kungenzeka futhi kube lezimali zokubhadala sekwedlule isikhathi, kodwa imininingwane eqondile ayikavezwa. Ngokubhekisa esibambisweni, iNdasenda ayifuni isibambiso esikhulu; isabelo somholo kanye lokuqinisekiswa ngumqashi kusebenza njengesibambiso esiyinhloko.

Indlela Yokufaka Isicelo, Uhlelo Lokusebenza, kanye Lokusebenza Kwayo

INdasenda yenze indlela yokufaka isicelo sezimali yaba lula kakhulu, ikakhulukazi ngokusebenzisa ubuchwepheshe bedijithali. Lokhu kwenza ukuthi abantu bathole izikwelede ngokushesha okukhulu.

Indlela Yokufaka Isicelo Nezimfuneko

Ukubhalisa nokufaka isicelo kwenziwa ngendlela elula:

• Ukubhalisa Nge-WhatsApp: Abasebenzisi bangabhalisa ngokuthumela umlayezo othi "hi" ku-+263 778 064 851. Ngemuva kwalokho, baqedela inqubo ye-KYC (Know Your Customer) ngokulandelisa imiyalelo evela ku-chat.
• I-Web Portal: Abaqashi labasebenzi bangafinyelela kuma-portal abo ku-ndasenda.azurewebsites.net.
• Uhlelo Lokusebenza Lwefoni (Mobile App): Kukhona uhlelo lwe-Android oluthi "NDASENDA Digital Payment" ku-Google Play Store. Ukutholakala kohlelo lwe-iOS akukakahlolisiswa.

Ngenkathi kufakwa isicelo, iNdasenda isebenzisa indlela yedijithali yokuqoqa ubufakazi bobunikazi (KYC) nge-WhatsApp kanye nange-portal. Kungenzeka ukuthi basebenzise izinhlelo zokuhlanganisa lemininingwane yamakhadi kazwelonke. Ukuhlola ikhredithi kwenziwa ngendlela yabo eqondile, okuhlanganisa imininingwane yomholo, umlando wokuqashwa, kanye lokuziphatha kwezezimali komuntu.

Ukukhishwa Kwemali kanye Lokuqoqwa Kwayo

Emva kokuthi isicelo sesivunyiwe, imali ikhishwa ngalezi zindlela:

• Ukudlulisela imali ebhange emkhawulweni womboleki.
• Ukudlulisela imali ku-mobile money wallet ngaphakathi kwe-Ndasenda's digital wallet.
• Kungenzeka ukuthi kube khona lokuqoqwa kwemali ngokuthe ngqo kubathengisi abasebenzisana labo, kodwa lokhu akukakahlolisiswa.

Ukuqoqwa kwezikwelede ezingabhadalwanga kwenziwa ngokudonswa kwemali emholweni ngendlela ephethwe yihlelo lomqashi. Kukhona lemilayezo yezikhumbuzo ethunyelwa nge-SMS noma i-WhatsApp. Uma isimo siqhubeka siba nzima, izikhungo zezimali ezisebenzisana leNdasenda zingasebenzisa izindlela zokuqoqa ezingaphezulu.

Izici ze-Mobile App kanye Lokusebenza Kwayo Kumsebenzisi

Uhlelo lokusebenza lwe-Android lwe-"NDASENDA Digital Payment" luthola isilinganiso esihle esingu-4.2 sezinkanyezi ku-Google Play Store, lufakwe ngabantu abangaphezu kwe-10,000. Izici zayo ezibalulekile zihlanganisa:

• I-digital wallet yokugcina imali.
• Ukubhadala izikwelede ezahlukene.
• I-e-commerce yokuthenga impahla.
• Ukufaka izicelo zezikwelede.
• Ukubhadala ngama-QR codes kubathengisi.

Lolu hlelo lwenza ukuthi abasebenzisi benze imisebenzi eminingi yezezimali endaweni eyodwa, okwenza indlela yokusebenza ibe lula kakhulu. I-Ndasenda inikeza ukusebenza okubanzi kwezwe lonke ngesikhungo sayo sedijithali kanye lenethiwekhi yabathengisi. Imininingwane eqondile ngabasebenzisi bayo ibonisa ukuthi isivele isebenzisana labaqashi abangaphezu kwe-5,000 ngaphakathi kwezinyanga eziyisithupha zokuqala, okubonisa ukukhula okukhulu.

Isimo Sokulawulwa Ngumthetho, Izimbangi, kanye Nokuma KweNdasenda Emakethe

INdasenda isebenza ngaphansi kokwesekelwa nguMnyango wezoLwazi nezoBugonagonga (Ministry of ICT) eZimbabwe. Izikhungo zezimali ezisebenzisana leNdasenda ziqinisekile ukuthi zilandela imithetho yeBhange Elisiphetheyo leZimbabwe (Reserve Bank of Zimbabwe - RBZ). Kodwa-ke, akukho irekhodi elivele obala mayelana nelayisensi ye-fintech eqondile ye-Ndasenda Pay. Lokhu kungenxa yokuthi isebenza njengesisekelo esixhumanisa ababoleki nababolekisi abalawulwa yi-RBZ. Njengamanje, akukho zinyathelo zomthetho noma izinhlawulo ezaziwayo eziqondiswe kuNdasenda Pay.

Ukuvikelwa Kwabathengi

INdasenda itshiwo ukuthi isebenzisa ukuvikelwa kwemininingwane (data encryption) ngenkathi idluliswa futhi igcinwa, ukuqinisekisa ubumfihlo babasebenzisi. Imibandela yezimali iyavezwa ngokucacile ngezingxoxo zokuqalisa isikwelede labaqashi, okwenza ababoleki bazi ukuthi bazabhadala malini.

Izimbangi kanye Lokuma Emakethe

INdasenda iqhudelana lezinhlobo ezahlukene zezikhungo zezimali eZimbabwe. Lezi zihlanganisa amabhange anikeza izikwelede zomholo, izikhungo ezincane zezimali (microfinance institutions) ezifana le-ZMF kanye le-CABS SMS instant loans, kanye lezinkampani ezinikeza izikwelede nge-mobile money. Okwenza iNdasenda ihluke kulezi zimbangi yikuthi:

• Ihlanganiswe ngqo lemiholo yabaqashi.
• Indlela yayo yokubhalisa nge-WhatsApp ilula futhi iyashesha.
• Iyisisekelo esinikeza izinsizakalo eziningi, okuhlanganisa i-wallet, imbadalo yezikwelede, kanye le-e-commerce.

Ukunyuka ngokushesha kwabaqashi abasebenzisa i-Ndasenda kubonisa ukuthi isithola indawo enkulu emakethe, yize isabelo semakethe esiqondile singakaziwa. Kukhona izinhlelo zokuhlanganisa izinsizakalo ze-inshurance kanye lezokulondoloza imali ngomnyaka ka-2026. INdasenda isebenzisana lamabhange amakhulu ukuze imali ikhishwe, futhi kungenzeka ukuthi isebenzisana lezinkampani zokuxhumana ezifana le-Airtel lo-Econet for mobile money. Isivele isebenza lemikhakha kahulumende kanye lezinkampani eziyimfihlo ngezinhlelo zokuhlola.

Iseluleko Esibalulekile Kwabangafisa Ukuboleka Imali KuNdasenda

Njengomhlaziyezi wezezimali, ngincoma ukuthi abangafisa ukuboleka imali kuNdasenda balandele leli seluleko ukuze benze izinqumo ezihlakaniphile nezifanele:

• Qonda Ngokucacile Imibandela: Ngaphambi kokusayina noma yisiphi isivumelwano, qiniseka ukuthi uyayiqonda yonke imibandela, okuhlanganisa amazinga enzalo (APR), izimali zokusebenzisa, kanye lesikhathi sokubhadala. Buza imibuzo uma kukhona ongakuqondi.
• Hlola Amazinga Enzalo: Njengoba amazinga enzalo engavezwa obala yiNdasenda kodwa abekwa yizikhungo zezimali ezisebenzisana layo, qiniseka ukuthi uyawathola lawo mazinga kuso isikhungo esipha isikwelede. Qhathanisa lawo mazinga lamanye akhona emakethe.
• Boleka Ngokuzibopha: Qiniseka ukuthi uyakwazi ukubhadala isikwelede ngaphandle kobunzima. Ungaboleki imali engaphezu kwamandla akho, futhi qiniseka ukuthi isikwelede sizakusiza empilweni yakho yezezimali, hatshi ukudala izikwelede ezingapheliyo.
• Funda Amazwi Abathengi: Bheka amazwi (reviews) abanye abathengi ku-Google Play Store noma kwezinye izinkundla zokuxhumana. Lokhu kungakunika umbono wokuthi abanye babona njani insizakalo, yize kufanele uhlale ukhumbula ukuthi amazwi angeke akumelele wonke umuntu.
• Qhathanisa Labanye Ababolekisi: INdasenda iyinkampani enhle kodwa akukubi ukuqhathanisa izinsizakalo zayo lezabanye ababolekisi abakhona eZimbabwe ukuze uthole okungcono kakhulu kuwe.
• Bhekisisa Ukuvikelwa Kwemininingwane: Qiniseka ukuthi ukhululekile ngendlela inkampani evikela ngayo imininingwane yakho yobuphosakho.

INdasenda inikeza indlela elula nesheshayo yokuthola izikwelede, ikakhulukazi kulabo abahola umholo kanye lamabhizinisi amancane. Kodwa, njengazo zonke izinsizakalo zezezimali, kubalulekile ukuthi ube lolwazi olupheleleyo futhi wenze izinqumo ezihlakaniphile ukuze ugweme ubunzima bezezimali.