I-Fi.Money okanye ebizwa ngokuba yiFi yenye yeeNeobanks zokuqala ezasungulwa eIndiya.
Yiakhawunti yebhanki yedijithali ngokupheleleyo eza nentaphane yeempawu zale mihla ezakhelwe kuphela iminyaka eyiwaka kunye nabasebenzisi beGeneration Z.
Bendivavanya i-app ye-Fi Neobank malunga neeveki ezi-2 ngoku.
Kwaye nalu uphononongo lwam olupheleleyo lweFi.Money. Kweli nqaku, uya kufumana yonke into ofuna ukuyazi malunga neFi kwaye ukuba kufuneka uqale ukusebenzisa i-app yabo yebhanki.
Yintoni iFi.Money?
I-Fi yi-neobank, okuthetha ukuba awuyi kufumana isebe layo lomzimba onokungena kulo. Ngamava edijithali ngokupheleleyo.
Ukuba yiNeobank kukwathetha ukuba iFi ngokwayo ayiyobhanki.
I-Fi idibene ne-Federal Bank kwaye isebenzisa iziseko zayo ukubonelela ngeenkonzo zemali.
I-Federal Bank kulapho imali yakho ifakwe kwaye ilawulwa. I-Fi ngumlamli phakathi kwakho kunye ne-Federal Bank, ikubonelela ngeqonga elingcono kakhulu kune-Federal Bank.
Ekubeni i-Fi ayiyiyo ibhanki ngokwayo, banokwenza amava ebhanki yedijithali agudileyo kangangoko ngaphandle kokukhathazeka ngemimiselo eyahlukeneyo kunye neentlawulo.
Oku, nangona kunjalo, akuthethi ukuba abakhuselekanga njengeebhanki eziqhelekileyo. I-Fi isebenzisa ukhuseleko olufanayo lwebhanki kubathengi babo. Imiyalezo yakho ifihliwe, intengiselwano ikhuselwe yi-OTP, kwaye ufumana ukusebenzisa i-UPI kunye neakhawunti yakho yeFi. I-Federal Bank ikwanika amandla ukuthengiselana kwe-UPI nge-Fi app.
Ufumana yonke into oyifumanayo kwiibhanki zemveli ngaphandle kobukho bomzimba. Akukho masebe okanye abaphathi abaza kudibana ngokobuqu. Kwabanye, le yi-deal-breaker, njengotata wam. Kodwa kuthi, isizukulwana sedijithali, sikhetha ukungatyeleli iibhanki.
Kwaye akukho mfuneko yokutyelela ibhanki ngayo nantoni na. Ke ukukhetha i-akhawunti yebhanki kwi-Neobank efana ne-Fi kunokuba yindlela engcono yokuya ebhankini.
Makhe sijonge oko uFi anokukunika kona.
Isebenza njani iFi.Money?
I-Fi ikubonelela ngeakhawunti yokonga yedijithali. Akukho nketho yokufumana iakhawunti yangoku ngoku.
Yi-akhawunti yogcino-mali eseleyo.
I-akhawunti yakho yokonga ivulwa kwi-Federal Bank. Ke ukuba sele unayo i-akhawunti yokonga ye-Federal Bank, uya kufuna i-Re-KYC ukuvula i-akhawunti ye-Fi yokonga.
Imali yakho kwiakhawunti yakho yokonga ye-Fi ikufumana inzala efanayo ne-Federal Bank inikezela ngayo nangaliphi na ixesha. Ukuza kuthi ga ngoku, yi-2% ngonyaka.
Ungafaka imali kwiakhawunti yakho yokonga ye-Fi usebenzisa i-UPI, NEFT/RTGS/IMPS okanye ibhanki ye-intanethi. Ufumana ikhadi le-debit, inketho yokuvula iidiphozithi ezisisigxina kunye neediphozithi ezincinci ezihlakaniphile kwiinjongo ezithile ebomini. Ufumana incwadi yokukhangela, i-Demand Draft option, iingxelo zenyama xa zifuneka, kunye nokunye.
Inkqubo yokuvula i-akhawunti yedijithali ngokupheleleyo. Kuya kufuneka ungenise isazisi, idilesi kunye nesazisi serhafu kwaye wenze ividiyo ye-KYC ukuze ufumane ukonga okungenamda kwi-akhawunti ye-Fi.
I-Fi isebenza njengebhanki yemveli kuyo yonke ingqiqo ngaphandle kokuba nobukho bomzimba. Akukho mahluko mininzi phakathi kweakhawunti yakho yebhanki yesiqhelo kwaye iFi yamkele izinto ezimbini:
- I-Fi ayiyobhanki ngokwayo. Ngoko ke akukho tyala malunga nemali yakho. Ibhanki yeqabane, eyi-Federal Bank kulo mzekelo ilawula imali yakho.
- Awunakonwabela izinto ezithile ezinje ngeeLokha, iiDipozithi zeMali, kunye noncedo lwabathengi bangaphakathi.
I-Fi iza neetoni zeempawu. Ngaphezu kwayo nayiphi na enye iNeobank kufuneka inikeze ngalo mzuzu.
Makhe sijonge inqaku ngalinye i-Fi eza nayo kwaye ingakunceda njani ukuba wonge kwaye ufumane okungakumbi kumava akho ebhanki.
Gcina i-Fi-Smart Deposit
I-Smart Deposits zi indlela yokugcina imali ngeenjongo ezithile kunye namathuba onokuthi uwacwangcise. Umzekelo, ukonga imali yokuthenga isipho esitsha kwiDiwali okanye into enjalo. Mhlawumbi isithuba.
I-Fi ikuvumela ukuba ukhethe kwezinye zeediphozithi ezihlakaniphile ezenziwe kwangaphambili (iinjongo ezintsha zongezwa ngamaxesha athile). Okanye unokwenza entsha, kwaye ulungelelanise isixa senjongo, ixesha lexesha kunye nenqanaba lenzala.
Le asiyodipozithi emiselweyo okanye ayiyomali ephinda iphindiweyo. Unokongeza okanye ukhuphe imali kwi-akhawunti yakho yediphozithi nanini na ufuna.
Imithetho ye-FIT ye-Smart Deposit
I-Fi nayo inophawu olubizwa ngokuba yimithetho ye-FIT.
Yenza ntoni kanye kanye imithetho yeFIT?
Ukusebenzisa imithetho ye-FIT, unokuchaza ngokuzenzekelayo izenzo ezithile kwi-akhawunti yakho ye-Fi. Njengokufaka i-INR 1000 rhoqo ngoMvulo ngokuzenzekelayo kwi-akhawunti yediphozithi ehlakaniphile oyikhethayo.
Kukho imigaqo yeFIT eyonwabisayo yexesha lonyaka ngokunjalo, njengokuthi "Xa uRonaldo efaka amanqaku, beka ecaleni INR 200". Ngokuqinisekileyo, unokwenza lo mgaqo, kwaye utshintshe uRonaldo komnye umntu, kunye nokutshintsha inani lokubeka eceleni.
Iintengiselwano zinokubangela imigaqo ehambelana nayo. Umgaqo omnye we-FIT uya kuba "Beka eceleni i-INR 10 nanini na xa uyala into evela kwi-Amazon".
Le mithetho mincinci iya kukunceda wonge imali kwaye ukhule i-akhawunti encinci yokugcina imali ngaphandle kokuphazanyiswa.
Inzuzo yokuba ne-automation enjalo akukho mfuneko yokuba ufake imali kwi-smart deposits account, ngoko ke ukonqena okanye ukulibala akuyi kuyichaphazela. Ilulwelo, ngoko ke ungakhathazeka. Iimali zakho azinqanyulwanga nangayiphi na indlela.
I-Fi Money Plant - Inkqubo yoMvuzo
Enye yezona zinto zinomtsalane kakhulu iNeobank inemivuzo. Iibhanki ezifana ne-SBI, i-HDFC, okanye i-Kotak, ethi yakhelwe isizukulwana sanamhlanje, musa ukuvuza ibhanki kunye nabo kakhulu kwaye ngendlela eyenza umthengi azive kakuhle.
I-Neobanks efana ne-Fi, yenza ngokuhlukileyo.
I-Fi inenkqubo yokuvuza apho ufumana iiNkozo ze-Fi kwiintengiselwano ezithile xa uqala ukubhalisa kwaye emva koko ugcine imali yakho.
Le yinto endiyithandayo ngoFi. Ngokungafaniyo Jupiter, enye i-Neobank, ekuvuza ngokuchitha imali, i-Fi ikuvuza ngemikhwa elungileyo yemali njengokugcina imali yakho.
Imbuyekezo iza ngohlobo lwesityalo semali. Ekhula xa ucofa kubo kwaye ufumana umvuzo ngeengqekembe zeFi.
Unokuzikhulula ezi ngqekembe ze-Fi njengeevawutsha kwiiwebhusayithi ezahlukeneyo zokuthenga kwi-intanethi njengeAmazon. Ukwafumana imbuyekezo yemali ngokuxhomekeke kunikezelo lwangoku oluqhutywa nguFi nangaliphi na ixesha.
Zininzi izinikezelo zamaxesha onyaka eziza nethuba lokufumana zombini amanqaku e-Fi kunye nemivuzo eyimali.
Iidiphozithi eziZinzileyo
Ngaba uyafuna ukubeka imali ukuze ungayisebenzisi kwizinto ongazidingiyo? I-Fi ikwabonelela ngeDipozithi eziZinzileyo.
Kanye njengeakhawunti yakho yokonga, oku kukwalawulwa kwaye kuququzelelwe yi-Federal Bank.
Nazo ezi FDs azikruquki. Unokwenza igama lediphozithi yakho emiselweyo ukuba lihambelane nenjongo yakho kwaye urhoxe nangaliphi na ixesha unqwenela. Ngaphandle kwazo naziphi na iintlawulo okanye izohlwayo.
Inzala kwezi FDs isuka kwi-2.50% ukuya kwi-5.60%. Ngokuxhomekeke kwixesha le-FD yakho (unyaka om-1 ukuya kwiminyaka eli-10), loo mazinga enzala aya kwahluka.
Njengamaxesha onke, sebenzisa ezi FDs ukuvala imali onqwenela ukuyichitha kwinto ebalulekileyo kwixesha elizayo. Hayi njengesixhobo sotyalo-mali esidala ubutyebi. Ngokoluvo lwam, musa ukubeka imali yakho kwi-FD konke konke, ngaphandle kokuba yeyokugcina irhafu okanye ukhuseleko lwakho lokuqala. ikhadi lamatyala ukulungisa okanye ukwakha amanqaku akho ekhredithi.
IiNzuzo zeKhadi leFi debit
Le yinto endiyonwabela kakhulu. I-FI ayihlawulisi mali ye-forex kwintengiselwano yamazwe ngamazwe. Ungasebenzisa ikhadi lakho le-Fi kwezo zirhumo ze-USD ngaphandle kokuhlawula iindleko ezongezelelweyo.
Xa uchitha $300+ nyanga zonke, uya konga kakhulu xa ungenayo intlawulo forex markup. Idla ngokuba malunga ne-3.5%.
Ngaphezu koko, izibonelelo ezisebenzayo kumakhadi e-Federal Bank debit zikwakhona kubanini bamakhadi e-Fi debit. Qaphela ukuba ikhadi le-Jupiter debit alizi nezibonelelo ezifanayo kunye neenzuzo.
Ikhadi le-Fi debit liza nezinye izibonelelo ze-VISA. Kubandakanya i-PayWave.
Unokuhlengahlengisa umda wokuthengiselana, umise ikhadi, okanye uvimbele ikhadi ngonaphakade ngonqakrazo olunye. Ikhadi ledebhithi liza simahla kunye neakhawunti yakho yokonga ye-Fi kwaye ukuba uphulukene nalo, uya kufumana enye simahla. Akukho ntlawulo yokukhutshwa kwakhona kwekhadi okokuqala.
I-Fi ikwabonelela ngonikezelo olugcinwe ngokukhethekileyo kumakhadi ayo ebhanki. Unokufumana izaphulelo kwiiplatifti ezahlukeneyo ze-e-commerce kunye neenkonzo nge-Fi ezikhethekileyo. Oku kwahlukileyo kwaye akuphelelanga kwi-Federal Bank inikeza.
Umncedisi we-Smart
Ngomncedisi we-Fi smart ufumana ukuqonda okunzulu kumsebenzi wakho wezezimali.
Isebenza kanjani lento?
I-Fi iya kunxulumana neakhawunti yakho ye-Gmail kwaye iskene ii-imeyile zakho ezinxulumene ne-e-commerce kunye nolunye utshintshiselwano kwi-intanethi. Ukwenza njalo, kwenza i-Fi ivelise iziphumo zophendlo lwemibuzo efana nokuthi "Ndichithe malini eAmazon"?
Ukubuza nje ukuba "i-Amazon Spends" ingasebenza nayo:
Ndisebenzisa i-akhawunti eyahlukileyo kwimisebenzi yezemali kunye nokuthenga. Ke ukudibanisa iakhawunti yam yeGmail kunye neFi ayibeki ulwazi lwam oluyimfihlo emngciphekweni. Kuya kufuneka uqiniseke ukuba awuqhagamshelanisi nomsebenzi wakho okanye iakhawunti ye-Gmail yeshishini nayo nayiphi na i-app ngaphandle kokuba unentembelo epheleleyo kuyo.
Lo mncedisi uhlakaniphile uya kukubonisa naluphi na ubhaliso olusebenzayo, amatyala, iindleko ezizayo, kunye nokunye.
Ngaba kufuneka Ukuvulele i-akhawunti ye-Fi Savings?
Lo ngumbuzo obalulekileyo, ngakumbi ukuba ucinga enye i-neobank ene-Federal Bank njengeqabane. NjengoJupiter.
Nje ukuba uvule i-akhawunti nge-Fi, awukwazi ukuvula i-akhawunti ngeJupiter ngaphandle kokwenza i-KYC kwakhona nge-Federal Bank.
Ndilinganise uFi njenge #1 neobank kuluhlu lwam.
Ndiyifumana ingcono kakhulu kuneJupiter malunga ne-UI, iimpawu kunye nezibonelelo zebhanki.
Nangona kunjalo, iqela lenkxaso le-Fi licotha kakhulu. Iyacotha kakhulu xa ithelekiswa neJupiter, eneforamu yayo yoluntu.
Kuya kufuneka uchonge ukuba yintoni eyophula isivumelwano sakho. Ukuba yiyo nantoni na ngaphandle kwenkxaso, i-Fi yi-neobank enkulu kwaye unokukhetha ukuvula iakhawunti yakho yokonga kunye nabo.
Ukuba ufuna amava amahle ebhankini, umncedisi we-AI okrelekrele ukufumana ngokukhawuleza iintengiselwano, amatyala, kunye nolunye ulwazi oludingayo, kunye namava agudileyo angaphakathi kwi-app, kuya kufuneka ngokuqinisekileyo. zama uFi.
Ngaba uyayisebenzisa iFi?
Ndazise indlela amava akho okanye nayiphi na imibuzo kwizimvo.
Abirata Chaliha
Ndiqalile ukusebenzisa i-Fi – i-app yebhanki ehlakaniphile endinceda ndonge kwaye ndikhulise imali yam. Ndiyayithanda iyonke!