Umlando Futhi Indlela I-Instant EcoCash Esungulwe Ngayo eZimbabwe
Kulezinsuku zokuvumbuluka kwezobuchwepheshe, ikakhulukazi kwezezimali, kubalulekile ukuba siqonde kahle ukuthi izinkampani ezahlukene ezisebenza emkhakheni wedijithali zenza njani. Namuhla, sizohlaziya nge-app eyaziwayo eZimbabwe, i-Instant EcoCash, kanye nomdali wayo, uMnumzana Tinovimba Mawoyo. Iqiniso elibalulekile okufanele silikhumbule ukuthi uMnumzana Mawoyo ungumuntu ozimele, umdali we-app, hhayi inkampani ebhalisiwe ngokusemthethweni njengombeki wemalimboleko.
I-Instant EcoCash yaqala ukutholakala ku-Google Play Store ekuqaleni konyaka ka-2020. Umgomo wayo omkhulu kwakuwukwenza lula imisebenzi ye-EcoCash, okuyisikhwama semali yedijithali esisetshenziswa kakhulu eZimbabwe. Ngokwesiko, ukusebenzisa i-EcoCash kwakufuna ukuthi abasebenzisi bacofe inamba ende ku-USSD, okwakungathatha isikhathi futhi kungadida abanye. I-Instant EcoCash yafika njengesixazululo, isinikeza izindlela ezisheshayo zokwenza imisebenzi ye-EcoCash ngokuchofoza okukodwa nje.
Ubuqotho be-app bubambelele kuMnumzana Tinovimba Ronald Mawoyo ngokwakhe, njengoba kubonakala enguye umnikazi oyedwa. Akukho nkampani ebhalisiwe ngaphansi kwaleli gama ekukhangisweni, futhi akukho zibambiso noma abaphathi abengeziwe abaziwayo ngaphandle kwakhe. Umgomo webhizinisi uhlala ulula: ukuhlinzeka nge-app yamahhala kubasebenzisi, futhi ihola imali ngezimakethe ezingaphakathi kwe-app. Imakethe eqondile yale-app ngabasebenzisi be-EcoCash, ikakhulukazi labo abasebenzisa amafoni e-Android, abafuna indlela esheshayo nelula yokwenza izinkokhelo zabo zedijithali.
Izinhlobo Zemisebenzi Okanye Imalimboleko Ekhona Ku-Tinovimba Mawoyo (Instant EcoCash)
Kungakhathaliseki ukuthi igama le-app "Instant EcoCash" lingaveza umqondo wokuthi kukhona izinsizakalo zemalimboleko, kubalulekile ukuqonda ukuthi le-app AYINIKELI NGEZIMALIMBOLEKO. Lokhu kubaluleke kakhulu kulabo abangafisa ukuboleka imali. I-Instant EcoCash iyithuluzi elenzelwe ukwenza lula imisebenzi ye-EcoCash esiyijwayele, hhayi ukubolekisa imali. Akukho mali mboleko yomuntu siqu, akukho mali mboleko yebhizinisi, futhi akukho mali mboleko yokukhokha ngosuku oluthile (payday advances) ekhona ngale-app.
Ngakho-ke, yiziphi izinsizakalo ezinikezwa yi-Instant EcoCash? Izici ezinkulu zale-app zonke zigxile ekwenzeni imisebenzi ye-EcoCash isheshe futhi ibe lula. Lokhu kufaka phakathi:
- Ukuthumela Imali: Abasebenzisi bangathumela imali kalula kwabanye abasebenzisi be-EcoCash.
- Ukukhokha Izikwelede: Ukukhokha izikwelede ezahlukene, njengezikwelede zikagesi, amanzi, noma ezinye izinkokhelo.
- Ukuthenga I-Airtime kanye Nedatha: Ukuthenga i-airtime noma idatha yefoni yakho noma yomunye umuntu.
- Ukudlulisela Phakathi Kwe-EcoCash Wallet Nebhange: Ukudlulisela imali isuka esikhwameni sakho se-EcoCash iye ebhange lakho, noma ngokuphambene.
- Ukubuka Umlando Wokusebenza: Ukubuka wonke umsebenzi owenze nge-EcoCash wallet yakho.
Lezi zici zenza i-Instant EcoCash ibe yithuluzi eliwusizo kakhulu kubasebenzisi be-EcoCash, kodwa kufanele kuqondeke ukuthi azihlangene nokubolekisa imali. Kungokwenza lula nje ukufinyelela kumasevisi asevele ekhona e-EcoCash.
Inzuzo Yemali, Izinkokhelo kanye Nemigomo
Njengoba sesichazile, i-Instant EcoCash kaTinovimba Mawoyo ayinikezi mali mboleko. Ngakho-ke, imibuzo ephathelene nenzuzo yemali (interest rates), izinkokhelo zemalimboleko (loan fees), kanye nemigomo yemalimboleko (loan terms) AYISEBENZI kulokhu. Awekho amanani enzuzo, awekho amafomu ezinkokhelo ezengeziwe zemalimboleko, futhi awekho amapulani okukhokha imali mboleko ekhona ngale-app.
Noma yiziphi izinkokhelo abasebenzisi abangazikhokha zihlobene ngqo nemisebenzi ye-EcoCash uqobo, njengezinkokhelo zokuthumela imali noma zokudlulisela imali ebhange. Lezi zinkokhelo zisungulwa yi-EcoCash, futhi i-Instant EcoCash app ivele isebenzise leyo migomo esivele ikhona. I-app kaMawoyo ngokwayo ayikhokhisi mali yokusebenzisa izici zayo, ngaphandle kwemali evela ezimakethe zangaphakathi ku-app. Lokhu kusho ukuthi abasebenzisi kufanele bakhumbule ukuthi noma yiziphi izindleko ezibakhokhisa zivela ku-EcoCash uqobo, hhayi ku-Tinovimba Mawoyo noma i-app yakhe ngokuqondile.
Inqubo Yokusebenzisa I-App kanye Nezidingo Zayo
Inqubo yokusebenzisa i-Instant EcoCash ilula kakhulu, futhi iyahluka kakhulu kunokufaka isicelo semalimboleko. Ukuze uqale ukusebenzisa le-app, izidingo zibaluleke kakhulu:
- Ifoni ye-Android: I-Instant EcoCash itholakala kuphela kuma-smartphones asebenzisa uhlelo lwe-Android. Akukho inguqulo ye-iOS (ye-iPhone) etholakalayo okwamanje.
- I-Akhawunti ye-EcoCash esebenzayo: Udinga ukuba ne-akhawunti ye-EcoCash ebhalisiwe futhi esebenzayo ngenombolo yakho yocingo ye-Econet.
- Ukulanda I-App: Ungayilanda i-app mahhala ku-Google Play Store.
- Ukubhalisa: Uma usuyilandile, ubhalisa usebenzisa inombolo yakho yocingo ye-Econet/EcoCash esivele ikhona.
Inqubo yokuvuselela ulwazi lomsebenzisi (KYC – Know Your Customer) ayenziwa yi-Instant EcoCash app uqobo. Le-app ithembela ngokuphelele ekugunyazeni kwe-EcoCash esivele ikhona. Uma i-akhawunti yakho ye-EcoCash igunyazwe kahle, uzokwazi ukusebenzisa i-Instant EcoCash ngaphandle kwezinkinga ezengeziwe.
Kubaluleke kakhulu ukukhumbula ukuthi AYIKHO INQUBO YOKUFAKA ISICELO SEMALIMBOLEKO ngale-app. Uma ufuna ukuboleka imali, udinga ukubheka izikhungo zemalimboleko ezisemthethweni ezigunyazwe yi-Reserve Bank of Zimbabwe (RBZ), hhayi i-Instant EcoCash.
Izici ze-App, Isimo Esibusa Ukusebenza Kwenza, Ukubuyekezwa Kwamakhasimende kanye Nezeluleko
Izici ze-App kanye Nomuzwa Wokusebenzisa
I-Instant EcoCash app, njengoba sesishilo, ikhona kuphela ku-Android. Iyaziwa ngokusebenza kwayo ngokushesha kanye nokusebenziseka kalula. Inesilinganiso esihle kakhulu esingu-4.6 kwezi-5 izinkanyezi ezivela kubasebenzisi abangaphezu kuka-1,600 ku-Google Play Store, futhi isilandiwe izikhathi ezingaphezu kuka-50,000. Izici zayo ezinkulu, njengokuthumela imali, ukukhokha izikwelede, ukuthenga i-airtime/idatha, ukudlulisela imali phakathi kwe-EcoCash nebhanga, kanye nokubuka umlando wokusebenza, zonke zenzelwe ukuba zisebenze ngokushesha okukhulu.
Abasebenzisi bayayincomeka kakhulu indlela le-app eshesha ngayo futhi ingafuni idatha ye-intanethi ukuze isebenze (ibukela ku-USSD). Lokhu kuyinzuzo enkulu eZimbabwe lapho idatha ye-intanethi ingabiza kakhulu futhi ingabi khona njalo. Nokho, kukhona nezikhalazo ezivamile. Ezinye zazo zihlobene nokungalingani kwemenyu ye-USSD ngemuva kokuthi i-EcoCash yenze izibuyekezo, kanye nesici sokushintshanisa imali esingasebenzi ngaso sonke isikhathi. UMnumzana Mawoyo uqobo uyazama ukuphendula izikhalazo zabathengi ku-Google Play, okukhombisa ukuthi uyayinakekela i-app yakhe.
Isimo Esibusa Ukusebenza Kwenza kanye Nelaysensi
Kulesi sigaba esibaluleke kakhulu, sifuna ukuphinda sigcizelele ukuthi uTinovimba Mawoyo Akayena umniki-mali obhalisiwe. Akukho licala lelayisensi lokuthi asebenze njengomnikezeli wezinsizakalo zezimali noma umboleki wemali. I-app yakhe isebenzisa inethiwekhi ye-EcoCash egunyaziwe, kodwa uMnumzana Mawoyo uqobo akalawulwa yi-Reserve Bank of Zimbabwe (RBZ) ngemisebenzi yemalimboleko. Lokhu kusho ukuthi abasebenzisi abafuni mali mboleko kufanele baqaphele futhi baqinisekise ukuthi baboleka ezikhungweni zemalimboleko ezigunyaziwe kuphela.
Ukubuyekezwa Kwamakhasimende kanye Nesikhundla Emakethe
Njengoba kukhonjisiwe yizilinganiso eziphakeme, iningi labathengi linelisekile nge-Instant EcoCash. Indawo yayo emakethe igxile ekuncintiswaneni namamenyu asemthethweni e-USSD e-EcoCash kanye namanye ama-app afanayo ahlose ukwenza lula izinsizakalo ze-EcoCash. Umehluko omkhulu we-Instant EcoCash yikhono layo lokunikeza izindlela ezisheshayo zokwenza imisebenzi eyenziwa njalo, kanye nekhono lokusebenza ngaphandle kwedatha ye-intanethi. Lena ikulesi sikhathi phakathi kwama-app aphezulu angama-20 ezindaba zezimali ku-Google Play Store eZimbabwe, okukhombisa ukwamukelwa kwayo okuhle.
Iseluleko Esisebenzisekayo Kulabo Abangafisa Ukuboleka Imali
Okubaluleke kakhulu ukuthi abantu abafuna ukuboleka imali baqonde kahle: I-Instant EcoCash kaTinovimba Mawoyo AYISOSI isikhungo sokubolekisa imali. Uma ufuna ukuthola imali mboleko, kufanele ufune izikhungo zemalimboleko ezisemthethweni nezigunyaziwe eZimbabwe. Lezi zikhungo zizobhaliswa yi-Reserve Bank of Zimbabwe futhi zizosebenza ngaphansi kwemithetho eqinile yezwe.
Ngokwalokho, iseluleko sethu ngukuthi: Qiniseka ukuthi uhlola isimo selayisensi yanoma yisiphi isikhungo ofisa ukuboleka kuso imali. Buza imibuzo ecacile ngezinkokhelo, inzuzo, kanye nemigomo yokukhokha. Ungalokothi udlulisele imali yakho noma imininingwane yakho yomuntu siqu ezinkampanini ezingagunyaziwe, njengoba lokho kungakubeka engcupheni yokukhwabanisa. I-Instant EcoCash iyithuluzi elihle lokwenza imisebenzi ye-EcoCash, kodwa akufanele isetshenziswe njengomthombo wemalimboleko.
