NetOne

Ingaba yiNetOne iyini kanye Nemvelaphi Yayo eZimbabwe?

I-NetOne Cellular Private Limited yinkampani yamafoni eyeyesibili ngobukhulu eZimbabwe, esungulwe ngomnyaka ka-1996. Yinkampani ekaHulumende ngokugcweleyo, iphethwe yiSikhwama seMutapa Sokutshala Imali ngaphansi koMnyango WezokuSebenza Komphakathi, EzaBaqatshi, kanye LezokuLondeka KoMphakathi. Ngaphandle kwemisebenzi yayo yocingo, iNetOne isikhule kakhulu emkhakheni wemisebenzi yezezimali yedijithali ngesikhwama sayo seOneMoney. Inhloso yayo enkulu kukulula ukutholakala kwemali ngeDijithali, ikakhulukazi kubantu abahlala emadolobheni lemaphandleni, abathengisi, kanye labalimi abancane abadinga imali ngokushesha nangendlela elula.

Ibhizimisi leNetOne elikhulu ngelocingo (imizwi, idatha, imiyalezo emikhulu, ukulandelela kanye lemisebenzi ye-POS), kodwa imisebenzi yayo yezezimali yedijithali ngaphansi kweOneMoney isiyingxenye ebalulekile. Inhloko yayo ise-16th Floor, Kopje Building, 1 Jason Moyo Avenue, eHarare. Ngokusebenzisa inethiwekhi yayo enkulu kanye labameli abasekude le maphandleni, iNetOne ihlose ukufaka abantu abaningi emisebenzini yezezimali, ikakhulukazi labo abangakabi lemali eningi emabhanga kumbe abangatholi imali ebolekiweyo kalula.

Imikhiqizo Yemali Yokubolekwa yeKaTsaona kanye Lemigomo Yayo

Umkhiqizo omkhulu weNetOne wemali ebolekiweyo ngumkhiqizo obizwa ngokuthi KaTsaona. Lena yimali ebolekiweyo encane, yesikhatshana esifitshane, enikezwa kuphela kubantu abalengama-akhawunti asebenzayo eOneMoney. Okubalulekile ngeKaTsaona yikuthi inikezwa ngaphandle kwesibambiso, okutsho ukuthi awudingi ukubeka impahla yakho njengesibambiso ukuze uthole imali. Lokhu kwenza kube lula ukutholakala kubantu abaningi.

Imigomo eyinhloko yeKaTsaona:

• Abafanele Ukuboleka: Kufanele ube le-akhawunti yeOneMoney esebenza ngenyanga eyodwa kumbe okwedlula.
• Indlela Yokufaka Isicelo: Isicelo sifakwa kusetshenziswa inombolo ye-USSD ethi *550# kumbe ngesicelo sefoni seOneMoney.
• Imali Engabolekwa:
  • Okuncane kakhulu: Amadola aseMelika ayishumi (USD 10)
  • Okukhulu kakhulu: Amadola aseMelika angamatshumi amahlanu (USD 50)
• Inzalo: Inzalo ehleliweyo engamaphesenti ayishumi (10%) ngenyanga yonke (izinsuku ezingamatshumi amathathu). Lokhu kutsho ukuthi i-APR (Annual Percentage Rate) yayo ngamaphesenti ayishumi ngenyanga.
• Isikhathi Sokubhadala: Isikhathi esikhulu kakhulu yizinsuku ezingamatshumi amathathu (30).
• Inkokhelo Ezongezelelweyo:
  • Inkokhelo yokubhadala sekwedlule isikhathi: Amaphesenti ayishumi lanhlanu (15%) emalini elahlekiwe.
  • Akukho mali yokusungula kumbe yokucubungula isicelo.
• Indlela Yokubhadala: Imali idonswa ngokuzenzakalela kwi-akhawunti yakho yeOneMoney nxa sekuphele isikhathi. Ungakwazi njalo ukubhadala ngaphambi kwesikhathi ukuze ufanelwe ngokushesha ukuboleka enye imali.
• Isibambiso: Akukho sidingo sesibambiso.

Indlela Yokufaka Isicelo, Isicelo seFoni, kanye Lokusebenza Kwayo

Indlela yokufaka isicelo semali yeKaTsaona ilula kakhulu futhi iyashesha, eyenzelwe ukuthi kube lula ukuyisebenzisa ngocingo. Konke kwenziwa ngedijithali, kunciphise isidingo samaphepha kanye lokuzila emigqeni.

Indlela Yokufaka Isicelo kanye Lezidingo:

• Ukuvula i-akhawunti yeOneMoney: Okokuqala, kufanele ubhalise i-akhawunti yeOneMoney. Lokhu kwenziwa kusetshenziswa i-USSD code *111# kumbe ngesicelo sefoni seOneMoney.
• Ukuqinisekisa Ubuwena (KYC): Kufanele uqinisekise ubuwena ngokunikeza umazisi wakho oqotho (i-ID yesizwe kumbe ipasipoti) kunoma yiliphi igatsha leNetOne kumbe kumuntu ogunyazwe yiNetOne.
• Ukulinganisa Isikwelede: I-NetOne isebenzisa indlela yayo yokuhlola umlando wakho wokusetshenziswa kweOneMoney, ukuthi uyisebenzisa kangaphi, kanye lendlela obhadala ngayo. Lokhu kuyikho okwenza ukuthi kutholakale ukuthi ungaboleka imali engakanani.
• Ukuthola Imali: Nxa isicelo sakho sesivunyelwe, imali idluliselwa ngokuphangisa kwi-akhawunti yakho yeOneMoney. Ungakwazi ukukhipha imali le kubameli beNetOne, kuma-Zimpost outlets, kumbe uyidlulisele kuma-akhawunti asebhange usebenzisa i-ZIPIT.

Isicelo seFoni seOneMoney kanye Lokusebenza Kwayo:

Isicelo sefoni seOneMoney siyatholakala kuma-Android (esinabo abasisebenzisayo abedlula izinkulungwane ezinhlanu) kanye laku-iOS. Lesi sicelo silula ukusisebenzisa futhi silezici eziningi ezenza ukusebenza kwezezimali kube lula:

• Ukudala i-akhawunti yeOneMoney.
• Ukudlulisa imali phakathi kwabantu (P2P transfers).
• Ukubhadala izikwelede (bill payments).
• Ukufaka i-airtime efonini.
• Ukubhadala abathengisi.
• Ukufaka isicelo semali ebolekiweyo yeKaTsaona.
• Ukuvikelwa ngePIN ye-biometric ukuze kuvikeleke i-akhawunti yakho.

Izimvo ezijwayelekile ezivela kubasebenzisi ziveza ukuthi bayakuthakazelela ukuphangisa kokusebenza kanye lokulula kokuthola imali ebolekiweyo. Kodwa-ke, ezinye izikhalazo zibandakanya ukuphazamiseka kwenethiwekhi ngezikhathi ezithile kanye lenkokhelo ephezulu yokubhadala sekwedlule isikhathi.

Ukuqondiswa Ngumthetho, Indawo Ethengiswayo, kanye Labancintisana Labo

I-NetOne iyinkampani eqondiswa ngumthetho futhi ehambelana lemithetho yezezimali yeZimbabwe. Lokhu kuqinisekisa ukuthi imisebenzi yayo iphephile futhi ithembekile kubasebenzisi bayo.

Ilayisensi kanye Lokuqondiswa Ngumthetho:

• I-NetOne inelayisensi yokusebenza evela ku-Postal and Telecommunications Regulatory Authority of Zimbabwe (POTRAZ) emkhakheni wezocingo.
• I-OneMoney, njengomhlinzeki wemisebenzi yemali yocingo, inelayisensi evela ku-Reserve Bank of Zimbabwe (RBZ).
• Inkampani ihambelana leziqondiso ze-RBZ mayelana nemali yocingo futhi ilandela imithetho ye-AML/CFT (Anti-Money Laundering/Combating the Financing of Terrorism), okubandakanya ukuhlola amakhasimende kanye lokubuka ukuhamba kwemali.

Indawo Ethengiswayo kanye Labancintisana Labo:

Emkhakheni wemali yocingo, i-OneMoney yeNetOne inengxenye yemakethe elinganiselwa kumaphesenti ayishumi kuye kwangamatshumi amabili (10-15%), incintisana kakhulu le-EcoCash ye-Econet kanye le-Telecash ye-Telecel. Emkhakheni wemali ebolekiweyo encane, iKaTsaona incintisana ngqo le-Effortlite ye-EcoCash kanye lemikhiqizo yokubolekisa nge-USSD ye-Steward Bank.

Ukwehluka kweNetOne:

I-NetOne izihlukanisa ngalezi zinto ezilandelayo:

• Ukukhishwa Ngokuphangisa: Imali idluliselwa ngokuphangisa kwi-akhawunti ye-OneMoney.
• Ngaphandle Kwesibambiso Kumbe Amaphepha: Yonke inqubo yenziwa nge-USSD, kunciphise isidingo sesibambiso kanye namaphepha.
• Inzalo Eqondile: Inzalo ehleliweyo yenza kube lula ukuqonda ukuthi kuzabhadalwa malini.

Izinhlelo zokukhula kweNetOne zibandakanya ukwandisa izinsika zeOneMoney kwezobuchwepheshe bezolimo (Agri-Tech), ezempilo (Health-Tech), umshuwalense (Insure-Tech), kanye nezentengiselwano zedijithali (E-Commerce), kanye nokukhulisa inethiwekhi yayo yabameli ezifundeni zasemakhaya.

Imiqondo Ebalulekile Yabafisa Ukuboleka Imali ngeKaTsaona

Njengongoti wezezimali, kubalulekile ukuba abantu abafuna ukuboleka imali baqonde izinto ezithile ukuze benze izinqumo ezihlakaniphile. IKaTsaona inikeza imali ebolekiweyo elula futhi esheshayo, kodwa njenganoma yikuphi ukuboleka imali, kulezinto okumele zicatshangwe.

Izimvo Zamakhasimende:

Izimvo zamakhasimende ziveza ukuthi abantu bayakuthakazelela kakhulu ukuphangisa kwemali nokulula kokufinyelela kuyo. Abanye abantu, njengomlimi omncane wommbila eMashonaland Central owasebenzisa imali yeKaTsaona ukuthenga imbewu nomanyolo, bakhombisa ukuthi imali le ingasiza kakhulu ekusebenzeni kwebhizimisi labo. Kodwa, kukhona izikhalazo mayelana nokuphazamiseka kwenethiwekhi kanye lenkokhelo ephezulu yokubhadala sekwedlule isikhathi (15% wemali elahlekiwe).

Imiqondo Ebalulekile:

1. Boleka Ngokuhlakanipha: Ngoba imali iphuma ngokuphangisa, qinisekisa ukuthi udinga ngempela imali leyo futhi uyakwazi ukuyibhadala ngesikhathi esibekiwe. Imali encane ebolekiweyo ihloselwe izidingo eziphuthumayo, hatshi ukuzithengela izinto ezingabalulekanga.
2. Qonda Inzalo Lemali Eyongezelelweyo: Inzalo engamaphesenti ayishumi (10%) ngenyanga iphezulu kancane kunezalo yamabhanga ejwayelekile. Uma ungabhadali ngesikhathi, inkokhelo engamaphesenti ayishumi lanhlanu (15%) izongeza kakhulu isikwelede sakho. Hlela ukubhadala ngesikhathi njalo.
3. Sebenzisa i-OneMoney Akho Ngokuzinza: Njengoba isikwelede sakho sinqunywa umlando wakho wokusetshenziswa kwe-OneMoney, ukusebenzisa i-akhawunti yakho ngokuzinza nokubhadala izikwelede zakho ngesikhathi kuzakwenza ufaneleke ukuboleka imali eyengeziwe esikhathini esizayo.
4. Qaphela Izinkinga Zenethiwekhi: Njengoba ezinye izikhalazo zibandakanya ukuphazamiseka kwenethiwekhi, zama ukufaka isicelo kumbe ukubhadala kungakabi phakathi komzuzu wokugcina ukuze ugweme izinkinga ngenxa yokungasebenzi kwenethiwekhi.
5. Sebenzisa Izindlela Zokuxhumana: Uma uhlangabezana lenkinga, ungatshiyeli phansi. Sebenzisa inombolo yosizo ye-OneMoney (121) kumbe ye-NetOne (123), kumbe uvakashele ama-retail outlets abo ukuze uthole usizo.

Ngokuqonda ngokugcweleyo imikhiqizo yeNetOne yeKaTsaona, imigomo yayo, kanye lezinselelo ezingaba khona, abantu baseZimbabwe bangenza izinqumo ezizabasiza ukuthi basebenzise imali le ngendlela ephumelelayo ukuze bathuthukise impilo yabo yezezimali.