The Buy Now Pay Gare gare zvikumbiro zvave zvakanyanya muIndia kwenguva yakati rebei.
Aya maapplication anoshanda pamusimboti wekubvumidza vanhu kutenga zvinhu nechikwereti. Zvisinei, chokwadi chinoita sechinonetsa.
Iyi dhairekitori yakadzama ichapa yakajeka-yakatemwa pfungwa nezve ikozvino mamiriro eiyo BNPL mapurogiramu uye mashandisiro uye kusashandisa aya masevhisi emutsara wechikwereti.
Chii chinonzi BNPL Apps?
Mapurogiramu eBNPL kana kuti Buy Now Pay Lat er apps anogona kushandiswa kutenga chero chigadzirwa pasina kunyatsoshandisa mari yako.
Zvakafanana nekushandisa sevhisi yekadhi rechikwereti. Mari yechikwereti inobhadharwa zvishoma nezvishoma kana kuti inobhadharwa zvizere zuva rekubhadhara risati rasvika nemushandisi.
Kana mari yako yakaderera pane yakatarwa, taura Rs.20,000, kana kuti uri mudzidzi, hazvigoneke kuwana kadhi rechikwereti. Nekudaro, iyo BNPL app inogona kuita kuti izvi zvigoneke nekushandisa kiredhiti. Kunyange mabhangi anopa makadhi echikwereti achachaja mubereko pakushandisa basa rakadaro.
Asi BNPL maapplication anopa mubereko-yemahara kiredhiti kune vashandisi pasi peimwe nguva yakatarwa, mushure mezvo iwe unofanirwa kubhadhara mubereko uye mamwe machaji anoenderana.
Saka, semuenzaniso, kana usingakwanise dhirezi raunofarira kana shangu, unogona kuzvitenga zviri nyore uchishandisa aya maapplication eBNPL izvozvi.
Unogona kungo dhawunirodha yakasarudzika BNPL app kubva muchitoro cheapp uye kusaina usingaite. Iko hakuna kusaina-kubhadharisa kana muripo wekunyorera unobatanidzwa mumaapps aya.
Kupfuurirazve, aya maBNPL maapplication ari kushanda muIndia nenyika dzekunze seAmerica neAustralia. Unogona kushandisa akawanda BNPL maapuro panguva.
Nekudaro, kumirira mari uchishandisa akawanda Tenga Zvino Bhadhara Gare gare zvikumbiro zvinogona kuva nengozi sezvo zvichikuvadza zvakanyanya yako chikwereti chibozwa.
Mapurogiramu eBNPL Anoshanda Sei?
Zvikumbiro zveBNPL zvinoshanda pamuenzaniso wekomisheni, kwavanoita purofiti nekuwana komisheni kubva kumutengesi. Izvi zvinoshanda chete kana iwe ukatenga chigadzirwa kuburikidza neBNPL application.
Semuenzaniso, paunotenga chigadzirwa chakakosha maRs. 4000, mari inobhadharwa kumutengesi neBNPL app inobata ingangoita 3850 Rupees. Iwo asara 150 Rupees anotorwa sekomisheni nemushandi weBNPL.
Nenzira iyi, kukosha kwemusika kwemutengesi kunowedzera sezvo vanhu vanosarudza kutenga zvigadzirwa vachishandisa chikwereti, kunyangwe zvisingaite. Kare, vanhu vaingotenga zvinhu izvo zvavaikwanisa kutenga.
Nekudaro, ikozvino chigadzirwa chimwe chete chakatengwa nevakawanda sezvo vachigona kubhadhara mari muzvikamu nerubatsiro rwechero BNPL application.
Zvakare, iyo BNPL maapplication anoita mari nekuunganidza mubereko pakunonoka kubhadhara. Kana kubhadharwa kwemari kwakanonoka, chirango chinopomerwa, uye chinowedzera nekunonoka kunotevera.
Kubhadhara kunowanzoitwa kuburikidza nekufambiswa kwebhangi, makadhi emakadhi, makadhi ekubhengi, kana maUPI.
Matambudziko uye Njodzi dzeKushandisa BNPL Mapurogiramu
Dambudziko hombe pakushandisa aya maBNPL maapplication chikwereti chakawandisa. Vanhu vanowanzo shandisa nekukasira uye nekuda kwechikwereti chiri nyore, vanoshandisa yakawanda kupfuura bhajeti ravo.
Saka, Kana usiri kushandisa sevhisi zvine hungwaru, unobhadhara imwe mari yemubereko uye chikwereti. Kunze kweizvi, hapana BNPL application yakanyoreswa zvakananga pasi pePPI tsika.
Vanhu vazhinji vari kune dzimwe nyika vakaomerwa nekubhadhara chikwereti chavo kuchikumbiro cheBNPL, uye vanozotora mamwe zvikwereti kumabhanga kuti vabhadhare.
Dambudziko riri pano nderekuti aya Tenga Iyezvino Bhadhara Gare gare kutanga-ups haana kutenderwa zvakakodzera uye haateveri mitemo yechikwereti, kusanganisira kutarisa kiredhiti mamakisi uye nhoroondo yechikwereti, sevakweretesi vakanyoresa.
Mari yemubereko yekunonoka kubhadhara yakatokwira zvakanyanya pane yenguva dzose mubereko wechikwereti.
Izvi zvinowedzera nekukurumidza, uye huwandu hwese hunova hwakanyanya kudarika mari chaiyo inoshandiswa nemushandisi.
Uyezve, kana iwe uchigara uchibhadhara mari yacho kuburikidza nekadhi rechikwereti uye kamwe kamwe, iwe wotadza kudzosera, yako kiredhiti mamakisi zvakare inokanganisika.
Aya masevhisi anopiwa kune vanhu vasingakwanisi kutenga kadhi rechikwereti, saka vanofanirwa kunge vaine mari yakaderera pane yakatarwa. Chete kana nzvimbo yakatarwa yemari iripo uye uine chivimbo chekudzorera mari yacho, unofanira kushandisa BNPL application.
Iyo Mitemo yeRBI PaBNPL Zvikumbiro
Kana chero masevhisi emutsara wechikwereti apihwa kuburikidza neasiri ebhengi, kuwana mvumo kubva kuRBI kuti ishande sePrepaid Instrument inosungirwa. Rezinesi rePPI harisi rakananga neaya maapp eBNPL.
Kuona njodzi dzese dziripo, iyo RBI yakarambidza tsika yekurodha mawallet edhijitari ane mapoinzi echikwereti uye kushanda kweBNPL application.
Iwo asiri-Bhangi Fintech Makambani iye zvino haakwanise kubvumira vatengi vawo kuve newallet yedhijitari ine chikamu chemutsara wechikwereti.
Kunyangwe kushandisa BNPL zvikumbiro kunovhura nzira yeIndia digitaalinen uye kuvandudzwa kwehupfumi hwese, ramangwana rinoita kunge rine mhute.
Ichi ndicho chikonzero RBI yakauya nemirairo yakaoma pane isiri-yebhengi PPIs inobvumira zvikwereti zvekwereti kune vatengi.
Zvakare, hapana kutaurwa kwakakodzera kwechikwereti chinoshandiswa pakati pevanhu nemukweretesi kana uchishandisa Buy Now Pay Later application.
Izvi zvinozokonzera kuvhiringika kune vamwe vakanyoreswa vanokweretesa pakupa marudzi akasiyana ezvikwereti kumutengi mumwe chete.
RBI ine mamwe maitiro evabhengi chaiwo kana vakweretesi vakanyoreswa vachitora mari kubva kune anokwereta.
Chirango ichi chinogona kutyorwa kana mutengi akasadzorera mari kune BNPL application. Vanogona kutotarisana nekunetswa uye nzira dzisina kunaka dzekutora chikwereti.
Ramangwana ReBNPL Apps MuIndia
Mushure mekuita kurambidzwa kwezvinhu izvi zvisiri zvebhangi zvekukweretesa mari, makambani eBNPL akakumbira RBI kuti ijekeswe. Mubvunzo uri kutsvaga nzira chaiyo yekushanda muchikamu cheBNPL chemakambani aya.
Ngationei kuti RBI inopindura sei izvi.
Zviri mumaoko eRBI uye zviremera zvinotonga zvakafanira kutaura nezvemitemo yekuve isiri-yebhengi PPI muIndia.
Sezvo iyo RBI isiri zvachose kupokana nepfungwa yeBNPL manyorerwo, kurambidzwa kwakangokanganisa imwe mhando. Iyo RBI inofanirwa kuratidza nzira dzekupa kiredhiti mutsara sevhisi nemakambani eFintech neimwe nzira.
Mushure mekugadzira seti nyowani yemitemo yekukunda njodzi dzinogona kuitika dzeBNPL mapuratifomu, vanogona kubvumidzwa kushanda. Izvi zvimwe zvichaderedza njodzi dzemitoo yekuunganidza isina kufanira.
Zvakare, vanhu vanoomerera kune imwe kiredhiti mutsara sevhisi muganho.
Zvakare, nekugadzirisa mareti makuru emubereko, iwo Tenga Iyezvino Pay Gare gare makambani ekunyorera anozokwanisa kurarama zvakare. RBI ine chinangwa chekuparadza chete vasina kutenderwa madhijitari anokweretesa.
Neizvi, iyo BNPL application yekutanga-ups inogona kushanda pasina kutyisidzira kana vaine rezinesi rakakodzera.
Dzimwe nzira dzeBNPL Apps
Kune dzimwe dzakawanda dzinogadzira dzimwe nzira dzekushandisa iyo BNPL apps. Unogona Chengetedza mari waronga kushandisa kubhadhara pamwedzi uye woishandisa gare gare nechinangwa chiri nani.
Iwe unogona kunyange kusarudza iyo SNPL (Sevha Iye Zvino, Bhadhara Gare gare) maapplication anokuita kuti uchengetedze mari yako yechinangwa cheramangwana. Pasi peizvi, hauna zvikwereti uye uchiri kugona kuronga mari yezvaunoda.
Iwe unofanirwa kudzivirira kuita sarudzo dzechimbichimbi uchitenga uye sarudza kurongedza mari inoshandiswa zvichienderana nezvaunoda, zvaunoda, uye zvishuwo.
Uyezve, kana iwe uchida kutenga chimwe chinhu nekukurumidza, unogona kugara uchisarudza kuwana chikwereti chako. Kana iwe uchikodzera kubhadhara chikwereti uye uine yakanaka sosi yekuwana mari, chikwereti chinotenderwa zvisingaite.
Unogona kuwana rubatsiro kubva kunhengo yemhuri kana mudiwa panjodzi dzine kadhi rechikwereti. Saka, pane kuwira mumusungo wechikwereti, enda kune imwe yeiyi sarudzo.
Kutora Kwangu
Mushure mekushandiswa kwechirambidzo neRBI, pave nemubvunzo nezveramangwana rezvikumbiro zveBNPL.
Kana maNBFC achitevera zvakajairwa, pane mikana mikuru yekushanda kwavo kwakanaka. Kunyanya muIndia, sarudzo yeRBI inoita seyakanaka sezvo ichironga kudzura vese vasina rezinesi vanokweretesa.
Kunze kweizvozvo, zviyero zvekubhadhara uye mari dzemubereko dzekunonoka kubhadhara dzinofanirwa kutariswa zvakakwana usati washandisa kiredhiti-based service.
Nekudaro, iwe unofanirwa kutarisa kana application yako yeBNPL yakatenderwa kana kwete uchiishandisa mune ramangwana. Ndinovimba wakakwanisa kunzwisisa rudzi rwemusungo idzi BNPL apps dzakaiswa patiri. Ita comment pasi neruzivo rwako nemaapps akadai.
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