ʻO Fi.Money a i kapa ʻia ʻo Fi kekahi o nā Neobanks mua loa i hoʻokuʻu ʻia ma India.
He waihona waihona waihona kikohoʻe holoʻokoʻa e hele mai me ka pūʻulu o nā hiʻohiʻona hou i kūkulu wale ʻia no nā millennials a me nā mea hoʻohana Generation Z.
Ua ho'āʻo wau i ka polokalamu Fi Neobank no 2 mau pule i kēia manawa.
A eia kaʻu loiloi Fi.Money piha. Ma kēia ʻatikala, e ʻike ʻoe i nā mea āpau e pono ai ʻoe e ʻike e pili ana iā Fi a inā ʻoe e hoʻomaka e hoʻohana i kā lākou waihona waihona.
He aha ka Fi.Money?
ʻO Fi kahi neobank, ʻo ia hoʻi ʻaʻole ʻoe e ʻike i kāna lālā kino e hele ai. He ʻike kikohoʻe holoʻokoʻa.
ʻO ka lilo ʻana i Neobank ʻo ia hoʻi ʻo Fi ponoʻī ʻaʻole ia he panakō.
Ua hui pū ʻo Fi me Federal Bank a hoʻohana i kāna ʻoihana e hoʻolako i nā lawelawe kālā.
ʻO Federal Bank kahi i waiho ʻia ai kāu kālā a hoʻoponopono ʻia. ʻO Fi kahi mea hoʻolaha ma waena o ʻoe a me Federal Bank, hāʻawi iā ʻoe i kahi kahua ʻoi aku ka maikaʻi ma mua o ka Federal Bank.
No ka mea ʻaʻole ʻo Fi he panakō ponoʻī, hiki iā lākou ke hana i ka ʻike panakō kikohoʻe me ka maʻalahi me ka hopohopo ʻole e pili ana i nā lula a me nā uku.
ʻAʻole naʻe kēia manaʻo ʻaʻole palekana lākou e like me nā panakō kuʻuna. Hoʻohana ʻo Fi i ka palekana o ka panakō no kā lākou mea kūʻai. Hoʻopili ʻia kāu mau memo, mālama ʻia nā kālepa e ka OTP, a hiki iā ʻoe ke hoʻohana iā UPI me kāu moʻokāki Fi. Manaʻo pū ka Federal Bank i nā kālepa UPI ma o ka Fi app.
Loaʻa iā ʻoe nā hiʻohiʻona a pau āu e loaʻa ai me nā panakō kuʻuna koe wale nō kahi noho kino. ʻAʻohe lālā a i ʻole nā manakia e hui kino. No kekahi, he kuikahi keia, e like me ko'u makuakane. Akā no mākou, ka hanauna digital, makemake mākou ʻaʻole e kipa i nā panakō.
A ʻaʻohe pono e kipa i kahi panakō no kekahi mea. No laila ʻoi aku ka maikaʻi o ke koho ʻana i kahi waihona waihona mai kahi Neobank e like me Fi.
E nānā kākou i ka mea a Fi e hāʻawi ai.
Pehea e hana ai ka Fi.Money?
Hāʻawi ʻo Fi iā ʻoe i kahi waihona mālama kālā. ʻAʻohe koho e kiʻi i kahi moʻokāki o kēia manawa i kēia manawa.
He waihona hoʻokoe kaulike ʻole.
Wehe ʻia kāu waihona mālama kālā ma Federal Bank. No laila inā loaʻa iā ʻoe kahi waihona mālama kālā Federal, pono ʻoe i kahi Re-KYC e wehe i kahi waihona mālama Fi.
Loaʻa iā ʻoe kāu kālā i kāu waihona mālama kālā i ka uku like me ka Federal Bank e hāʻawi i kēlā me kēia manawa a me ka manawa. I kēia manawa, he 2% o ka makahiki.
Hiki iā ʻoe ke waiho i ke kālā ma kāu waihona mālama kālā ma o UPI, NEFT/RTGS/IMPS a i ʻole ka waihona kālā pūnaewele. Loaʻa iā ʻoe kahi kāleka debit, kahi koho e wehe i nā waihona paʻa a me nā waihona akamai liʻiliʻi no nā pahuhopu kikoʻī i ke ola. Loaʻa iā ʻoe kahi puke nānā, koho Demand Draft, nā ʻōlelo kino inā pono, a ʻoi aku.
He kikohoʻe piha ke kaʻina hana wehe moʻokāki. Pono ʻoe e hoʻouna i ka ʻike, ka helu helu a me ka ID ʻauhau a me ka hoʻokō ʻana i kahi wikiō KYC e loaʻa ai ka mālama palena ʻole i ka waihona me Fi.
Hana ʻo Fi e like me kahi panakō kuʻuna ma nā ʻano āpau ma waho o ka loaʻa ʻana o ke kino. ʻAʻole nui nā ʻokoʻa ma waena o kāu waihona panakō maʻamau a ʻae ʻo Fi i ʻelua mau mea:
- ʻAʻole ʻo Fi he panakō ponoʻī. No laila ʻaʻole ia he kuleana no kekahi mea e pili ana i kāu kālā. ʻO ka panakō hoa, ʻo ia ʻo Federal Bank i kēia hihia ke kāohi nei i kāu kālā.
- ʻAʻole hiki iā ʻoe ke hauʻoli i kekahi mau hiʻohiʻona e like me Lockers, Cash Deposits, a me In-Person Customer kōkua.
Hele mai ʻo Fi me ka nui o nā hiʻohiʻona. ʻOi aku ma mua o nā Neobank ʻē aʻe e hāʻawi i kēia manawa.
E nānā kāua i kēlā me kēia hiʻohiʻona e hele mai me Fi a pehea e hiki ai iā lākou ke kōkua iā ʻoe e mālama a hoʻonui i kāu ʻike panakō.
Mālama Fi - Waihona akamai
ʻO nā waihona kālā akamai he ala e mālama ai i ke kālā no nā pahuhopu kūikawā a me nā manawa āu e hoʻolālā nei. No ka laʻana, mālama kālā no ke kūʻai ʻana i makana hou ma Diwali a i ʻole kekahi mea like. He hakahaka paha.
ʻAe ʻo Fi iā ʻoe e koho mai kekahi o nā waihona akamai i hana mua ʻia (hoʻohui ʻia nā pahuhopu hou i kēlā me kēia manawa). A i ʻole hiki iā ʻoe ke hana i kahi hou, a hoʻoponopono i ka nui o ka pahuhopu, ka manawa a me ka uku uku.
ʻAʻole kēia he waihona paʻa a i ʻole he waihona hoʻihoʻi. Hiki iā ʻoe ke hoʻohui a hoʻihoʻi i ke kālā mai kāu moʻokāki akamai i kēlā me kēia manawa āu e makemake ai.
Nā Rula FIT no ka Waihona akamai
Loaʻa iā Fi kekahi hiʻohiʻona i kapa ʻia nā lula FIT.
He aha ka hana a nā lula FIT?
Ke hoʻohana nei i nā lula FIT, hiki iā ʻoe ke wehewehe i kekahi mau hana i loko o kāu moʻokāki Fi. E like me ka waiho ʻana i ka INR 1000 i kēlā me kēia Pōʻakahi ma kahi moʻokāki hoʻopaʻa akamai o kāu koho.
Aia kekahi mau lula FIT i ka wā leʻaleʻa, e like me "Ke kiʻi ʻo Ronaldo i kahi pahuhopu, waiho i INR 200". ʻOiaʻiʻo, hiki iā ʻoe ke hana i kēia lula, a hoʻololi iā Ronaldo i kekahi, a me ka hoʻololi ʻana i ka nui e waiho ai.
Hiki i nā hana ke hoʻoulu i nā lula kūpono. Hoʻokahi lula FIT ʻo ia ʻo "E waiho i ka INR 10 i kēlā me kēia manawa āu e kauoha ai i kahi mea mai Amazon".
E kōkua kēia mau lula liʻiliʻi iā ʻoe e mālama i ke kālā a hoʻonui i kahi waihona waihona waihona liʻiliʻi me ka passively.
ʻO ka pōmaikaʻi o ka loaʻa ʻana o ia ʻano automation ʻaʻole pono ʻoe e hoʻokomo i ke kālā i loko o ka waihona mālama kālā, no laila ʻaʻole ʻoe e palaualelo a poina paha. He wai, no laila hiki iā ʻoe ke hopohopo ʻole. ʻAʻole paʻa kāu kālā ma kekahi ʻano.
Mea kanu kālā Fi - Pūnaehana uku
ʻO kekahi o nā hiʻohiʻona nui loa i loaʻa iā Neobank nā uku. ʻO nā panakō e like me SBI, HDFC, a i ʻole Kotak, ka mea i ʻōlelo ʻia ua kūkulu ʻia no ka hanauna hou, ʻaʻole e uku nui i ka panakō me lākou a ma ke ʻano e hōʻoluʻolu ai ka mea kūʻai aku.
ʻO nā Neobanks e like me Fi, hana ʻokoʻa.
Loaʻa iā Fi kahi ʻōnaehana uku kahi āu e loaʻa ai nā Fi Coins no nā hana kikoʻī i ka wā e kau inoa mua ai ʻoe a laila mālama i kāu kālā.
ʻO kēia kaʻu makemake pilikino e pili ana iā Fi. ʻAʻole like Dia, ʻO kekahi Neobank, e uku ana iā ʻoe no ka hoʻolilo kālā, uku ʻo Fi iā ʻoe no nā hana kālā maikaʻi e like me ka mālama ʻana i kāu kālā.
Loaʻa nā makana ma ke ʻano o kahi mea kanu kālā. E ulu ana ke kaomi ʻana iā lākou a loaʻa iā ʻoe ka uku me nā kālā Fi.
Hiki iā ʻoe ke kūʻai i kēia mau kālā Fi ma ke ʻano he voucher no nā pūnaewele kūʻai pūnaewele like ʻole e like me Amazon. Loaʻa iā ʻoe nā uku kālā ma muli o ka hāʻawi ʻia e holo nei e Fi i kēlā me kēia manawa.
Nui nā hāʻawi manawa e hele mai me ka manawa e loaʻa ai nā helu Fi a me nā uku kālā.
Na Waihona Paa
Makemake ʻoe e waiho i kahi kālā i ʻole ʻoe e hoʻolilo iā ia i nā mea āu e pono ʻole ai? Hāʻawi pū ʻo Fi i nā waihona paʻa.
E like me kāu waihona mālama kālā, hoʻoponopono ʻia kēia a hoʻomaʻamaʻa ʻia e Federal Bank.
ʻAʻole ʻoluʻolu kēia mau FD. Hiki iā ʻoe ke hoʻonohonoho i ka inoa o kāu waihona paʻa e kūlike i kāu pahuhopu a haʻalele i kēlā me kēia manawa āu e makemake ai. Me ka uku ʻole a hoʻopaʻi ʻole.
ʻO ka uku paneʻe ma kēia mau FD mai ka 2.50% a i ka 5.60%. Ma muli o ka noho ʻana o kāu FD (1 makahiki a 10 mau makahiki), e ʻokoʻa kēlā mau uku uku.
E like me nā manawa a pau, e hoʻohana i kēia mau FD e pale i ke kālā āu e makemake ai e hoʻolilo i kahi mea nui i ka wā e hiki mai ana. ʻAʻole ma ke ʻano he mea hoʻopukapuka waiwai. I koʻu manaʻo, mai hoʻokomo i kāu kālā ma FD, ke ʻole no ka mālama ʻauhau a i ʻole ka loaʻa ʻana o kāu kālā mua. uku kāleka e hoʻoponopono a kūkulu paha i kāu helu ʻaiʻē.
Nā Pōmaikaʻi Kāleka ʻAi ʻAi
He mea kēia aʻu e hauʻoli nui nei. ʻAʻole uku ʻo FI i nā uku markup forex ma nā kālepa honua. Hiki iā ʻoe ke hoʻohana i kāu kāleka Fi no kēlā mau kau inoa USD me ka ʻole o ka uku ʻana i nā uku keu.
Ke hoʻolilo nei ʻoe i $300+ i kēlā me kēia mahina, e mālama ʻoe i ka nui inā ʻaʻole ʻoe e loaʻa nā uku hōʻailona forex. ʻO ka maʻamau ma kahi o 3.5%.
Eia kekahi, loaʻa nā hāʻawi pili i nā kāleka debit Bank Federal i nā mea paʻa kāleka Fi debit. E hoʻomanaʻo ʻaʻole hele mai ka kāleka hōʻaiʻē Jupiter me nā makana like a me nā pōmaikaʻi.
Hele mai ke kāleka Fi debit me nā pono VISA ʻē aʻe. Me PayWave.
Hiki iā ʻoe ke hoʻololi i ka palena o ke kālepa, hoʻokuʻu i ke kāleka, a i ʻole ke kāohi i ke kāleka mau loa me hoʻokahi kaomi. Loaʻa manuahi ka kāleka hōʻaiʻē me kāu waihona mālama kālā Fi a inā e nalowale ʻoe, e loaʻa iā ʻoe kekahi me ka manuahi. ʻAʻohe uku hoʻopuka kāleka no ka manawa mua.
Hāʻawi pū ʻo Fi i nā makana curated wale nō ma kāna mau kāleka debit. Hiki iā ʻoe ke loaʻa nā uku hoʻemi ma nā ʻano e-commerce a me nā kahua lawelawe ma o nā hāʻawi kūʻokoʻa Fi. He kaʻawale kēia a ʻaʻole i kaupalena ʻia i nā makana Federal Bank.
Kokua kōkua
Me ke kōkua akamai Fi, loaʻa iā ʻoe kahi ʻike hohonu i kāu hana kālā.
Pehea e hana ai kēia hana?
Hoʻopili ʻo Fi me kāu moʻokāki Gmail a nānā i kāu leka uila e pili ana me ka e-commerce a me nā hana ʻē aʻe ma ka pūnaewele. Ma ka hana ʻana pēlā, hiki iā Fi ke hoʻopuka i nā hopena hulina no nā nīnau e like me "Ehia kaʻu i lilo ma Amazon"?
ʻO ka nīnau wale ʻana iā "Amazon Spends" e hana pū kekahi:
Hoʻohana au i kahi moʻokāki ʻokoʻa no nā hana kālā a me ke kūʻai ʻana. No laila, ʻo ka hoʻopili ʻana i kaʻu moʻokāki Gmail me Fi, ʻaʻole ia e waiho i kaʻu ʻike huna i ka pilikia. Pono ʻoe e hōʻoia ʻaʻole ʻoe e hoʻopili ana i kāu moʻokāki Gmail ʻoihana me kekahi polokalamu ke ʻole ʻoe i hilinaʻi piha iā ia.
E hōʻike pū ana kēia kōkua akamai iā ʻoe i nā kau inoa ikaika, nā bila, nā lilo e hiki mai ana, a me nā mea hou aku.
Pono ʻoe e wehe i kahi waihona mālama kālā Fi?
He nīnau koʻikoʻi kēia, ʻoiai inā ʻoe e noʻonoʻo nei i kahi neobank ʻē aʻe i loaʻa iā Federal Bank ma ke ʻano he hoa. E like me Jupiter.
Ke wehe ʻoe i kahi moʻokāki me Fi, ʻaʻole hiki iā ʻoe ke wehe i kahi moʻokāki me Jupiter me ka ʻole e hana hou i kahi KYC me Federal Bank.
Ua helu au iā Fi i ka #1 neobank ma kaʻu papa inoa.
ʻIke wau ʻoi aku ka maikaʻi ma mua o Jupiter e pili ana i ka UI, nā hiʻohiʻona a me nā pono kālā.
Eia naʻe, lohi loa ka hui kākoʻo Fi. ʻOi aku ka lohi i ka hoʻohālikelike ʻia me Jupiter, aia nō kāna hui kaiaulu.
Pono ʻoe e ʻike i ke ʻano o kāu mea hoʻokaʻawale. Inā he kākoʻo wale nō, ʻo Fi kahi neobank maikaʻi loa a hiki iā ʻoe ke makemake e wehe i kāu waihona mālama kālā me lākou.
Inā makemake ʻoe i kahi ʻike panakō maikaʻi, kahi kōkua AI akamai e ʻimi koke i nā kālepa, nā bila, a me nā ʻike ʻē aʻe āu e pono ai, a me kahi ʻike ma-app maʻalahi, pono ʻoe. hoao Fi.
Hoʻohana ʻoe iā Fi?
E haʻi mai iaʻu i ke ʻano o kāu ʻike a i ʻole kekahi nīnau ma nā manaʻo.
Abirata Chaliha
Ua hoʻomaka wau e hoʻohana iā Fi - he polokalamu panakō akamai e kōkua iaʻu e mālama a hoʻonui i kaʻu kālā. Aloha au iā ia holoʻokoʻa!