Thenga ngoku Bhatala emva kwexesha izicelo bezixhaphakile eIndiya ixesha elide ngoku.
Ezi apps zisebenza kumgaqo wokuvumela abantu ukuba bathenge izinto zorhwebo ngetyala. Nangona kunjalo, inyaniso ibonakala iyinto encinci.
Esi sikhokelo esineenkcukacha siya kunika ingcamango ecacileyo malunga nemeko yangoku ye BNPL apps kunye nendlela yokusebenzisa kunye nokungazisebenzisi ezi nkonzo zamatyala.
Ziziphi ii-Apps ze-BNPL?
Ii-apps ze-BNPL okanye i-Buy Now Pay Lat er apps zinokusetyenziselwa ukuthenga nayiphi na imveliso ngaphandle kokuchitha eyakho imali.
Kufana nokusebenzisa inkonzo yekhadi letyala. Imali yekhredithi ihlawulwa ngezavenge okanye ihlawulwe ngokupheleleyo ngaphambi komhla omiselweyo ngumsebenzisi.
Ukuba umvuzo wakho ungaphantsi komda othile, yithi i-Rs.20,000, okanye ungumfundi, akunakwenzeka ukuba ufumane ikhadi letyala. Nangona kunjalo, i-app ye-BNPL inokukwenza oku ngokusebenzisa ikhredithi. Kwaneebhanki ezinikezela ngamakhadi okuthenga ngetyala ziya kuhlawulisa inzala ngokusebenzisa loo nkonzo.
Kodwa ii-apps ze-BNPL zinika ikhredithi engenanzala kubasebenzisi ngokuxhomekeke kumda wexesha elithile, emva koko kufuneka uhlawule inzala kunye nezinye iintlawulo ezihambelanayo.
Ke, umzekelo, ukuba awukwazi ukuthenga ilokhwe okanye isihlangu osithandayo, ungasithenga ngokulula usebenzisa ezi zicelo ze-BNPL ngoku.
Unokukhuphela ngokulula usetyenziso olukhethwayo lwe-BNPL kwivenkile yeapp kwaye ungene ngaphandle komgudu. Akukho ntlawulo yokubhalisa okanye umrhumo obandakanyekayo kwezi apps.
Ngaphaya koko, ezi apps zeBNPL zisebenza eIndiya nakumazwe angaphandle anje ngeMelika neOstreliya. Unokusebenzisa ii -apps ezininzi ze-BNPL ngexesha.
Nangona kunjalo, imali esalindiweyo usebenzisa ezininzi izicelo ze-Thenga ngoku Bhatala kamva kunokuba yingozi njengoko konakalisa kakhulu eyakho amanqaku etyala.
Zisebenza njani iiApps zeBNPL?
Izicelo ze-BNPL zisebenza kwimodeli yekhomishini, apho benza khona inzuzo ngokufumana ikhomishini kumthengisi. Oku kusebenza kuphela ukuba uthenga imveliso ngokusebenzisa isicelo BNPL.
Umzekelo, xa uthenga imveliso exabisa iRs. I-4000, imali ehlawulwe kumthengisi ngumnini we-app ye-BNPL ingaba yi-3850 Rupees. I-150 eseleyo ye-Rupees ithathwa njengekhomishini ngumqhubi we-BNPL.
Ngale ndlela, ixabiso lemarike lomthengisi liyenyuka njengoko abantu bekhetha ukuthenga iimveliso besebenzisa ikhredithi, nangona ingaphaya kokufikeleleka kwabo. Ngaphambili, abantu babethenga kuphela ezo mveliso banokufikelela kuzo.
Nangona kunjalo, ngoku imveliso efanayo ithengwa ngabaninzi njengoko banokubuyisela imali kwizavenge ngoncedo lwaso nasiphi na isicelo seBNPL.
Kwakhona, ii-apps ze-BNPL zenza imali ngokuqokelela inzala kwiintlawulo zasemva kwexesha. Xa ukubuyiswa kwentlawulo kulibaziseka, isohlwayo sihlawuliswa, kwaye siyanda ngokulibaziseka okulandelayo.
Intlawulo idla ngokudluliselwa ebhankini. makhadi e khredithi, amakhadi ebhanki, okanye ii-UPIs.
Iingxaki kunye nomngcipheko wokusebenzisa i-BNPL Apps
Eyona ngxaki inkulu ekusebenziseni ezi apps zeBNPL lityala eligqithisileyo. Abantu badla ngokuchitha ngokungxama kwaye ngenxa yetyala elilula, bachitha ngaphezulu kohlahlo lwabiwo-mali lwabo.
Ke, ukuba awuyisebenzisi ngobulumko inkonzo, uya kuhlawula inzala eyongezelelweyo kunye netyala. Ngaphandle koku, akukho sicelo se-BNPL esibhaliswe ngokuthe ngqo phantsi kwemigaqo yePPI.
Abantu abaninzi kumazwe angaphandle baye bakufumanisa kunzima ukuhlawula ityala labo kwisicelo se-BNPL, kwaye ekugqibeleni bathatha iimali-mboleko ezongezelelweyo kwiibhanki ukuze bazibuyisele.
Umba olapha kukuba oku Thenga Ngoku Hlawula Kamva ukuqalisa akugunyaziswanga ngokufanelekileyo kwaye akulandeli migaqo yekhredithi, kuquka ukujonga amanqaku ekhredithi kunye nembali yekhredithi, njengababolekisi ababhalisiweyo.
Inzala yentlawulo ebambezelekayo ingaphezulu kakhulu kuneentlawuliso zenzala yesiqhelo.
Oku kudibanisa ngesantya esikhawulezayo, kwaye isixa sisonke siba phezulu kakhulu kuneyona mali isetyenziswe ngumsebenzisi.
Ngaphezu koko, ukuba uhlala uhlawula imali ngekhadi letyala kwaye ngequbuliso, awukwazi ukubuyisa, amanqaku akho etyala nawo achaphazeleka kakubi.
Ezi nkonzo zinikezelwa kubantu abangakwaziyo ukuthenga ikhadi letyala, ngoko ke kufuneka babe nomvuzo ophantsi kunomda ofanelekileyo. Kuphela kuxa kukho umthombo osisigxina wengeniso kwaye uqinisekile ngokuyibuyisela le mali, kufuneka usebenzise isicelo se-BNPL.
Imigaqo yeRBI kwiZicelo zeBNPL
Xa naziphi na iinkonzo zomgca wetyala zibonelelwa ngombutho ongeyiwo ebhankini, ukufumana imvume kwi-RBI ukuze isebenze njengeSixhobo esiHlawulelwayo kunyanzelekile. Ilayisensi yePPI ayibanini ngokuthe ngqo kwezi apps zeBNPL.
Ukubona zonke iingozi ezibandakanyekayo, i-RBI iye yavala umkhuba wokulayisha kwangaphambili i-wallets yedijithali kunye namanqaku ekhredithi kunye nokusebenza kwesicelo se-BNPL.
IiNkampani ze-Fintech ezingezizo iiBhanki ngoku azikwazi ukuvumela abathengi babo ukuba babe nezipaji zedijithali kunye nenkalo yomgca wetyala.
Nangona ukusebenzisa izicelo ze-BNPL kuvula indlela yedijithali yaseIndiya kunye nokuphucuka koqoqosho ngokubanzi, ikamva libonakala linenkungu.
Kungenxa yoko le nto i-RBI yeza nemigaqo engqongqo kwiiPPI ezingezizo zebhanki ezivumela iiwallet zekhredithi kubathengi.
Ngaphezu koko, akukho ngxelo ifanelekileyo yetyala elisetyenziswe phakathi kwabantu kunye nombolekisi xa usebenzisa isicelo se-Thenga Ngoku Bhatala Kamva.
Oku kuya kukhokelela ekubhidekeni kwabanye ababolekisi ababhalisiweyo ngokubonelela ngeentlobo ezahlukeneyo zeemali-mboleko kumthengi omnye.
I-RBI inemigaqo ethile yeebhanki ezifanelekileyo okanye ababolekisi ababhalisiweyo ngelixa beqokelela imali kumboleki.
Olu qeqesho lunokwaphulwa xa umboleki engasibuyiseli isixa kwisicelo se-BNPL. Basenokude bajamelane nokungcungcuthekiswa kunye neendlela ezingekho mthethweni zokuqokelela ityala.
Ikamva le-BNPL Apps eIndiya
Emva kokuphumeza ukuvinjelwa kwezi zixhobo ezingekho zebhanki zokuboleka imali, iinkampani ze-BNPL zicele i-RBI ukuba icacise. Umbuzo kukufumana indlela efanelekileyo yokusebenza kwicandelo le-BNPL kwezi nkampani.
Makhe sibone ukuba i-RBI iphendula njani le nto.
Kusezandleni ze-RBI kunye namagunya alawulayo ahlukeneyo ukuba athethe ngemithetho yokuba yi-PPI engeyiyo yebhanki eIndiya.
Njengoko i-RBI ayichasananga ngokupheleleyo nombono wezicelo ze-BNPL, ukuvinjelwa kuye kwachaphazela kuphela uhlobo oluthile. I-RBI kufuneka iphakamise iindlela zokubonelela ngenkonzo yekhredithi kwiinkampani ze-Fintech ngenye indlela.
Emva kokudala isethi emitsha yemithetho ukoyisa iingozi ezinokwenzeka zamaqonga e-BNPL, banokuvunyelwa ukuba basebenze. Oku mhlawumbi kuya kunciphisa iingozi zeendlela zokuqokelela ezingafanelekanga.
Kwakhona, abantu baya kubambelela kumlinganiselo othile wenkonzo yetyala.
Ngaphaya koko, ngokulungisa inzala enkulu, iinkampani ezifaka izicelo ze-Thenga ngoku Bhatala kamva ziya kukwazi ukuphila ngakumbi. I-RBI ijonge ukudiliza kuphela ababolekisi bedijithali abangagunyaziswanga.
Ngale nto, ukuqaliswa kwesicelo se-BNPL kunokusebenza ngaphandle kwazo naziphi na izoyikiso ukuba banelayisensi efanelekileyo.
Ezezinye ze-BNPL Apps
Zininzi ezinye iindlela ezinemveliso zokusebenzisa usetyenziso lweBNPL. Unga Gcina imali ucebe ukuyisebenzisela intlawulo yenyanga kwaye uyisebenzise kamva ngeenjongo ezingcono.
Ungade ukhethe i I-SNPL (Gcina Ngoku, Hlawula Kamva) usetyenziso olukuvumela ukuba ugcine imali yakho kwinjongo yexesha elizayo. Phantsi koku, awunamatyala kwaye usakwazi ukwenza amalungiselelo eemali zeemfuno zakho.
Kuya kufuneka ukuphephe ukwenza izigqibo ezingxamisekileyo ngelixa uthenga kwaye ukhethe ukuhlela iindleko ngokweemfuno zakho, iimfuno kunye neminqweno.
Ngaphaya koko, xa ufuna ukuthenga into ngokukhawuleza, unokuhlala ukhetha ukufumana imali mboleko. Ukuba ufanelekile ukuba uhlawule imali-mboleko kwaye unomthombo olungileyo wengeniso, imali-mboleko iya kuvunywa ngaphandle komzamo.
Unokufumana uncedo kwilungu losapho okanye iqabane kwiimeko zikaxakeka ezinekhadi letyala. Ke, endaweni yokuwela kumgibe wamatyala, yiya kwenye yezi zikhetho.
Ndi thabathe
Emva kokuphunyezwa kokuvalwa kwe-RBI, kukho uphawu lombuzo malunga nekamva lezicelo ze-BNPL.
Ukuba ii-NBFC zilandela izithethe ezifanelekileyo, kukho amathuba aphezulu okusebenza kwazo ngempumelelo. Ngokukodwa e-Indiya, isigqibo se-RBI sibonakala silungile njengoko siceba ukutshabalalisa bonke ababolekisi abangenalayisenisi.
Ngaphandle koko, imigangatho yembuyekezo kunye neentlawulo zenzala yokulibaziseka kwentlawulo kufuneka ihlolwe ngocoselelo phambi kokuba kusetyenziswe inkonzo esekelwe kwikhredithi.
Ke, kufuneka ujonge ukuba isicelo sakho se-BNPL sigunyazisiwe okanye hayi ngelixa usisebenzisa kwixesha elizayo. Ndiyathemba ukuba ukwazile ukuqonda uhlobo lomgibe olu setyenziso lweBNPL lubekwe kuthi. Yenza inkcazo phantsi ngamava akho ngosetyenziso olunjalo.
Shiya iMpendulo