ʻEhia o ʻoukou i ʻōlelo ʻia e ko ʻoukou mau mākua e hele i ka panakō a waiho kālā i kāu waihona?
ʻAe, hiki iaʻu ke lohe iā ʻoe e ʻōlelo ana "no ke aha?".
Ua hoʻololi ka ʻenehana a me nā mea hou i ka Banking i ko mākou ola a ke hoʻoluliluli nei lākou āpau i ka honua o ke kālā a me ka ʻenehana, e wehewehe hou i ke ʻano o kā mākou launa ʻana me kekahi i ke kālā.
A ʻaʻole i hoʻomaka.
Ke hoʻomākaukau nei nā panakō a me nā ʻoihana kālā no ka hanauna hou o nā mea kūʻai aku ma o ka hoʻohana ʻana i nā ʻenehana hou, e like me AI, aʻo mīkini, blockchain, a me chatbots.
No kēia kumu, hana pū lākou me nā hoʻomaka FinTech e ʻimi i nā ala hou a me nā ala hou e hoʻomaikaʻi ai i ka ʻike mea kūʻai aku.
Ma kēia ʻatikala, e nānā ana au i nā huahana a pau i hāʻawi ʻia e Niyo Solutions Inc. – ke alakaʻi ʻo Fintech o India, ka mea e hana maʻalahi a maʻalahi hoʻi ka waihona kālā ma o ka waiho ʻana i kāu waihona kālā, nā hoʻopukapuka kālā, a me nā kāleka uku ma kahi hoʻokahi.
No Niyo
Makahiki o ka hoomaka ana: 2015
Mamua: ʻO Vinay Bagri lāua ʻo Virender Singh Bisht
ʻO nā mea waiwai nui: Tencent, Social Capital, Horizon Ventures, Prime Ventures Partners, a me JS Capital
Ka helu o nā mea kūʻai aku: ʻOi aku ma mua o 1.5 miliona mau mea kūʻai aku
Products: NiyoX, Niyo Global, Niyo Bharat, Niyo Money
Ua nānā au i nā huahana kupaianaha a pau mai Niyo.
Eia kaʻu loiloi o Niyo a me NiyoX me nā huahana fintech ʻē aʻe a lākou e hāʻawi ai.
NiyoX (I ʻike ʻia ʻo NiyoX-Equitas)
Ma ke ʻano he millennial iaʻu iho, ʻike wau i ka huhū inā makemake ʻoe e wehe i kahi waihona panakō, akā pono ʻoe e koho ma waena o ka hele kino ʻana i kahi lālā panakō a i ʻole ka hoʻohana ʻana i ka polokalamu kelepona hele lohi.
ʻAʻole mākou hauʻoli i ka ʻōnaehana panakō. Hoʻopiʻi mākou no ka pipiʻi, lohi loa, a ʻaʻole hāʻawi i nā koho kūpono.
Ua hui pū ʻo Niyo me Equitas Small Finance Bank e hana iā NiyoX - he Neobank.
Ke hoʻāʻo nei ʻo NiyoX e hoʻoponopono i kēlā mau pilikia ma o ka hoʻolako ʻana i kahi moʻokāki Neobank 2-i-1 e mālama i kāu mālama kālā a me kāu hoʻopukapuka.
Hāʻawi ia i kahi moʻokāki Bank me nā komisina ʻole ma kākoʻo kālā a hiki i ka 7% ukupanee no ka makahiki ma ka waihona.
Eia nā hiʻohiʻona maikaʻi loa o ka Pūnaewele NiyoX:
- E loaʻa iā ʻoe kahi moʻokāki mālama mālama Zero Balance ('ʻaʻohe mālama o ke koena liʻiliʻi')
- ʻAʻole ʻoe e uku i kekahi ʻano komisina i ke kūʻai ʻana iā Direct Pūʻulu Mutual ma o NiyoX ('0% Commission on Mutual Funds')
- Loaʻa ʻoe i ka 7% ukupanee* pa ma kāu waihona
*3.5% a hiki i Rs 1lac,
6% ma luna o Rs. 1lac a hiki i Rs. 5 mau kala,
7% ma luna o Rs. 5 lacs a hiki i Rs. 50 lacs,
5.5% ma luna o Rs. 50lac
- ʻO kekahi o nā hiʻohiʻona like ʻole aʻu i makemake nui ai, hiki iā ʻoe ke koho i ka hoʻolālā ma kāu Kāleka Debit e kūpono i kāu Persona.
- Hiki iā ʻoe ke koho e hoʻolilo i ka hoʻololi ʻokoʻa i kēlā me kēia manawa āu e hoʻolilo ai. E hoʻolilo ʻokoʻa ka ʻōnaehana i ka hoʻololi ʻokoʻa i ka wā e hōʻiliʻili ai i Rs. 100/-
- Hāʻawi ia i ka ₹5 Lakh inikua i uhi ʻia e DICGC, kahi ʻoihana paʻa piha o RBI.
- Hiki iā ʻoe ke laka / wehe i kāu kāleka a i ʻole hoʻonohonoho / hoʻonohonoho hou i kāu PIN kāleka iā ʻoe iho ma o ka App.
- ʻO kekahi hiʻohiʻona hou e hiki iā ʻoe ke hūnā i kāu koena mai ka pale ma Mobile App me ka nalu o kou lima.
- Hele mai ʻo NiyoX App me ka Equinox Reward Program a hiki iā ʻoe ke loaʻa nā makana ma ke kuhikuhi ʻana i kāu mau hoaaloha.
ʻElua mau hiʻohiʻona hoihoi e hiki koke mai ana:
- Hiki iā ʻoe ke hoʻokomo a hahai i kāu kōpili Mutual Fund holoʻokoʻa me ka maʻalahi mai hoʻokahi waihona ʻo NiyoX.
- Hiki iā ʻoe ke hoʻolilo i ka FD a loaʻa nā uku hoihoi hoihoi.
Hoʻokahi wale nō pilikia aʻu i ʻike ai ma ka ʻike holoʻokoʻa ʻo ia ʻAʻole loaʻa iā NiyoX i kēia manawa ʻO Andaman & Nicobar Islands, Arunachal Pradesh, Assam, Bihar, Dadra & Nagar Haveli, Daman & Diu, Goa, Jammu & Kashmir, Jharkhand, Lakshadweep, Manipur, Meghalaya, Mizoram, Nagaland, Odisha, Sikkim, Tripura, West Bengal & Eastern UP .
Verdict: Digital Bank Account i loko o 100seconds me ka hoʻohana wale ʻana iā PAN a me Aadhar he mea kupanaha.
No laila ke hoʻololi nei ʻo NiyoX i nā ola a ua ʻōlelo ʻia ʻo 100%.
Ma waho aʻe o ia mea, i ka wā e hiki mai ana, hiki iā Niyo ke hui pū me nā panakō hou aʻe e hoʻonui a hoʻonui i kona hiki. No nā kikoʻī hou aku, kaomi maanei e ʻike i ka huaʻōlelo a me nā kūlana o NiyoX.
Kaomi ma lalo e hoʻoiho i ka NiyoX App a wehe i kahi moʻokāki ma ka pūnaewele
Niyo Global
Inā hele pinepine ʻoe i nā ʻāina ʻē, a laila hiki ke loaʻa kahi kāleka Forex i mea ola.
Pono ka loaʻa ʻana o ke kālā kūpono ma muli o ka uku kiʻekiʻe āu e uku ai i nā hoʻololi. Eia kekahi, ʻaʻole kūpono ka lawe ʻana i ke kālā ma nā wahi āpau - nalowale maʻalahi a lilo i mea kaumaha ma kāu ʻeke.
Loaʻa i nā Kāleka Forex ka pono o ka ʻae ʻana iā ʻoe e hoʻololi i kekahi mau kālā i hoʻokahi kālā hoʻokahi, no laila ʻaʻole pono ʻoe e hana me nā kāleka like ʻole no kāu huakaʻi honua.
ʻO Niyo Global kahi kāleka Forex kahiko hou e hele mai me kahi pūʻulu o nā hiʻohiʻona e hana ʻokoʻa, kūʻai aku, a weliweli.
No nā haumāna, ua hoʻokumu ʻo Niyo i kahi haumāna Forex Card e noʻonoʻo ana i nā koi o kahi haumāna e aʻo ana ma waho. Kaomi maanei no ka mea, nui details.
E ʻike kākou i ka mea i ʻoi aku ka maikaʻi o Niyo Global ma mua o nā kāleka Forex ʻē aʻe:
- E loaʻa iā ʻoe kahi kāleka Visa me ka uku ʻole markup. ʻAʻole maikaʻi? Eia naʻe, makemake wau e hoʻohui i nā uku hoʻololi kālā Visa o 1% e pili ana.
- Hiki iā ʻoe ke hoʻouka i kāu moʻokāki me INR a lilo ma mua o 150 mau ʻāina.
- Hiki ke loaʻa i ka 5% nā hoʻihoʻi i ka wā e hele ana ʻoe i ka mālama kālā.
- Loaʻa nā hiʻohiʻona e like me ATM Locator, Kākoʻo Kākoʻo, a me Live Currency Converter ma ka App.
- ʻO ka hiʻohiʻona maikaʻi loa aʻu e makemake ai, ʻo ia ke komo ʻana i nā Airport Lounges a puni ka honua. He kūlana kēia a ʻokoʻa e like me kāu moʻokāki.
- Hiki iā ʻoe ke laka / wehe i kāu kāleka a i ʻole hoʻonohonoho / hoʻonohonoho hou i kāu PIN kāleka iā ʻoe iho ma o ka app.
- Hāʻawi ia i ka ₹5 Lakh inikua i uhi ʻia e DICGC, kahi ʻoihana paʻa piha o RBI.
Con:
- ʻAe haʻahaʻa i kekahi mau ʻāina e like me Thailand, Indonesia, etc.
- Hiʻona o ka hoʻouka kālā ma o Kāleka kāki ʻaʻole loaʻa.
- ʻO ka ʻae haʻahaʻa i nā lawelawe e like me Cabs etc.
Verdict: ʻAʻohe kānalua, ʻo Niyo Global kahi huahana kupaianaha i hoʻopiha ʻia me nā hiʻohiʻona he nui, akā makemake wau iā ʻoe e lawe i kahi kāleka forex ʻē aʻe i ka hihia o ka ʻae haʻahaʻa ma nā wahi āpau.
'Ōlelo Aʻo: I kēia manawa, loaʻa nā ʻano ʻelua o Niyo Global:
Niyo Global DCB a Niyo Global SBM
He liʻiliʻi loa nā ʻokoʻa ma waena o nā kāleka ʻelua.
Hiki iā ʻoe ke koho i ke kāleka āu e koho ai. Ua uhi au iā Niyo Global SBM i kēia loiloi.
Eia naʻe, hiki iā ʻoe ke kaomi ma lalo e ʻike i ka papa kuhikuhi o nā uku a me nā ʻōlelo a me nā kūlana o nā kāleka ʻelua.
- Niyo Global SBM Nä huaÿölelo a me Nā kūlana
- Niyo Global SBM Papahana o na uku
- Niyo Global DCB Nä huaÿölelo a me Nā kūlana
- Niyo Global DCB Papahana o na uku
Niyo Bharat
ʻO kahi moʻokāki uku kikohoʻe he ʻano uku uku hou. No ka mea i loaʻa kahi hana e uku ana i ka hola a i ʻole ka lā.
Pēlā ʻo Niyo Bharat, akā ʻaʻole ia he uku uku; ʻo ia hoʻi kahi hoʻolālā mālama kālā a me kahi hoʻolālā penikala.
ʻOi aku ma mua o kēlā, hiki ke hoʻohana ʻia no ka puke huakaʻi, hoʻouna kālā i nā hoaaloha a me nā ʻohana, uku i nā bila pono, kūʻai i nā mea ma ka pūnaewele, a hana nui i nā mea āu e hoʻohana mau ai i kahi ʻeke.
Hāʻawi ke kahua ʻo Niyo Bharat i ka heluna kanaka ʻole i mālama ʻia ma India me ka ʻole kaulike akā ikaika nā lawelawe panakō koho.
ʻIke wau he ʻōnaehana maʻalahi, hiki ke hoʻonui ʻia, a me ka hoʻoikaika hope loa no nā ʻāpana kālā ʻole o nā kaiāulu ma o nā hiʻohiʻona hou o ka ʻoihana kaiaulu i alakaʻi ʻia e kahi hui hoʻohālike me ka ʻike maoli.
ʻO nā mea koʻikoʻi he zero-balance, hoʻohana manuahi, a me kahi kahua interoperable - hiki i ka hoʻohui kikohoʻe ma kahi ʻōnaehana kāleka.
E like me nā mea hou ma India, ua hoʻopaʻapaʻa ʻo Niyo Bharat i ka wā mua. I kēia manawa ʻaʻohe pilikia me ia. Makemake nā kānaka.
Eia ka papa inoa o nā hiʻohiʻona maikaʻi loa o Niyo Bharat:
- E loaʻa iā ʻoe kahi kāleka prepaid manuahi no ke ola holoʻokoʻa.
- ʻO ia kekahi o nā kāleka paʻa loa a me nā polokalamu me nā koho kāleka laka / wehe / poloka.
- Ua hui pū nā panakō e like me ICICI, Yes Bank, a me DCB me Niyo Bharat.
- ʻO kekahi o nā hiʻohiʻona aʻu i makemake nui ai e pili ana iā Niyo Bharat ʻo ia nā koho no 10 mau ʻōlelo vernacular i loaʻa i ka App. Hiki iā ʻoe ke koho i ka ʻōlelo o kou ʻoluʻolu.
- Hiki iā ʻoe ke nānā i ka passbook, hoʻoiho i nā ʻōlelo maʻamau, a hāpai i nā tiketi kākoʻo, nā mea āpau ma kāu ʻōlelo ʻōiwi.
- Hiki iā ʻoe ke hoʻoili kālā i nā mea hoʻohana iā Niyo me hoʻokahi kaomi.
Hoʻokahi wale nō pilikia aʻu i ʻike ai ʻo ka iOS App no Niyo Bharat ke kūkulu ʻia nei.
Verdict: Ke hoʻohana ʻia nei i kēia manawa e nā mea hoʻohana ma mua o 11 lacs a me 9 tausani hui, ʻo Niyo Bharat kahi huahana e lawe mai ana i ka ʻoluʻolu a me ka ʻike. Ke hoʻomaka nei nā ʻoihana hou aʻe e ʻae i ke kālā kikohoʻe i kēia mau lā, a inā makemake ʻoe i ke kūʻai pūnaewele a i ʻole. e hoola i ke kala i kēlā me kēia manawa āu e kūʻai ai ma ka pūnaewele, pono ʻoe e nānā iā Niyo Bharat!
Bus maanei e hoʻoiho i ka Niyo Bharat App a wehe i kahi moʻokāki ma ka pūnaewele.
Niyo Money
Hana ana a e hoola i ke kala he moeuhane no ka hapanui. ʻAʻole maʻalahi ka waiwai.
Akā, aia ʻo Niyo Money e hoʻopakele! ʻO Niyo Money kahi polokalamu hoʻokele waiwai akamai e hiki ai iā ʻoe ke hoʻokomo i loko nā kālā hui pololei (MF), ETF, a laau.
Me ke kālā Niyo, loaʻa iā ʻoe ka ʻōlelo aʻoaʻo Robo mai nā luna kōpili MF maikaʻi loa o India, e kōkua ana iā ʻoe e hoʻonui i kāu kālā no ke ola.
He leo pupule, akā makemake ʻo Niyo Money e hoʻoluliluli i ka ʻoihana ʻōlelo aʻoaʻo kālā me kahi kahua ʻōlelo aʻoaʻo hybrid a me nā robotics. Hoʻohui ka app hoʻokele waiwai i ka ʻike artificial me nā ʻōlelo aʻoaʻo kanaka e hana i kahi "hybrid o ka wā e hiki mai ana."
E ʻike kākou i nā hiʻohiʻona maikaʻi loa o ka all-in-one hoʻokomo kālā App i kapa ʻia ʻo Niyo Money:
- Hiki iā ʻoe ke hoʻolilo ma mua o 5000 Direct Mutual Funds me ka ʻole o ka uku komisina.
- Hiki iā ʻoe ke nānā maʻalahi i kāu mau hoʻopukapuka pōkole a lōʻihi ma kahi hoʻokahi. ʻO nā pahuhopu wā pōkole ke kālā āu e makemake ai e huli a hoʻolilo i loko o nā mahina he 12 e hiki mai ana.
- Me One-Click Portfolio Rebalancing, hiki iā ʻoe ke hoʻololi i kāu hoʻokaʻawale waiwai e kūpono i kāu mau pahuhopu waiwai.
- Hiki iā ʻoe ke wehe i kahi 100% Online Kuai Kalepa moʻokāki i pilikia ʻole a maʻalahi hoʻi e hoʻohana. He wikiwiki a maʻalahi ka wehe ʻana i kāu moʻokāki kālepa kālepa pūnaewele, a hiki iā ʻoe ke ala a kālepa i nā minuke.
- ʻAʻole pono ʻoe e uku i nā uku wehe ʻana i ka moʻokāki me kahi hoʻolālā Flat Brokerage a hiki i ₹20 no ke kālepa. Hāʻawi ʻo Niyo Money i kekahi o nā koina AMC haʻahaʻa loa ma ka ʻoihana!
ʻElua mau hiʻohiʻona hoihoi e hiki koke mai ana:
- Hiki iā ʻoe hoʻokomo kālā ma International Stocks e like me Amazon, Google, etc.
- Hiki iā ʻoe ke hoʻolilo i ka FD a loaʻa nā uku hoihoi hoihoi.
Verdict: Manaʻo wau he kahua pūnaewele maikaʻi loa ʻo Niyo Money no nā mea hoʻopukapuka e ʻimi nei i kahi hale kūʻai hoʻokahi e hoʻomaka ai me kā lākou waihona hoʻopukapuka hou. He hoʻokūkū ko lākou uku a aia kā lākou lawelawe mea kūʻai aku ma ka pōleʻa.
Hāʻawi lākou i nā mea āpau mai nā waihona a i ke kālā, no laila ua kaupalena ʻia kāu mau koho e ka nui o kāu kālā āu e makemake ai e hoʻokomo. A ʻo ka mea maikaʻi loa, ke kūleʻa nei lākou no ka mea aia lākou i kou kua a mālama pono i ka pale ʻana i kāu kālā.
No nā kikoʻī hou aku, kaomi maanei e ʻike i ka ʻōlelo a me nā kūlana o Niyo Money.
Bus maanei e hoʻoiho i ka Niyo Money App a wehe i kahi moʻokāki ma ka pūnaewele.
Ua ʻike ka ʻoihana panakō i nā loli he nui i nā makahiki i hala aku nei, akā paʻakikī ia no nā ʻoihana liʻiliʻi e hoʻokūkū me nā ʻoihana nui.
Makemake ʻo Niyo e uhaʻi i kēia mau pale, ʻo ia ke kumu i kūkulu ai lākou i ka lawelawe waihona kālā hope loa no nā ʻoihana liʻiliʻi a me nā ʻoihana liʻiliʻi. Ke mālama nei ʻoe i ke kālā a i ʻole ke kōkua i ka mālama ʻana i kāu mau puke, aia iā Niyo nā mea āpau.
Hoʻolālā ʻia nā lawelawe ʻo Niyo Banking e kōkua iā ʻoe e hoʻokele i kāu kālā a hana i nā hoʻoholo kālā maikaʻi loa.
Ruchi Sharma
He aha ka loiloi e pili ana i ka ʻae ʻana o Niyox Forex Card ma USA?