Iintlawulo zedijithali zibe yinto ebalulekileyo kubomi bethu bemihla ngemihla kwihlabathi lanamhlanje.
Sithembele kakhulu kuthungelwano lwentlawulo yedijithali ukuze silungelelanise imisebenzi yethu yezemali, ukusuka ekuthengeni kwi-intanethi ukuya kwiintlawulo zetyala. ILazyPay lelinye iqonga elivumela iintlawulo ezikhawulezayo nezilula ngokhetho lokuhlawula kamva.
Ngabasebenzisi abangaphezu kwe-6 crore, iLazyPay izenzele njengeyona ndlela yokuya kubathengi abafuna izisombululo zentlawulo yetyala ngokukhawuleza. Ngelishwa, iLazyPay isandula ukuba nemiba yomgangatho wenkonzo, ikhuthaza abantu ukuba bajonge ezinye iindlela.
I. Kutheni ukhangela iindlela ezizezinye zeLazyPay?
Ngelixa iLazyPay izimise njengeyona app iphezulu yokuhlawula ngetyala eIndiya, iingxelo zakutsha nje zibonisa ukuba umgangatho wenkonzo ye-app uye wehla. Eminye yemida eqhelekileyo yeLazyPay kumaxesha akutshanje ibandakanya:
- Ukususwa kwendawo yokuhlawula ngekhadi letyala
- Ukuxhaswa kwabathengi abangasebenziyo
- Iimpazamo zobuchwephesha ezikhokelela kwiintengiselwano ezingaphumelelanga
- Ubambiswano lwabarhwebi olulinganiselwe
Ngenxa yoko, abasebenzisi abaninzi beLazyPay bafuna ezinye iindlela ezinikezela ngenkonzo engcono kunye neendlela ezithembekileyo zokuhlawula. Kula macandelo alandelayo, siza kuphonononga ezinye zezona ndlela zingcono zeLazyPay ezinokuqwalaselwa ngabasebenzisi kwiimfuno zabo zokuhlawula ngetyala.
II. Iindlela eziNgcono kwiLazyPay
1. IBullet Pay yiJupiter Edge
I-Bullet Pay nguJupiter Edge yintlawulo ye-UPI kwaye uhlawule kamva usetyenziso oluqale ngoNovemba ka-2020. Lilungu le-app eyaziwayo yeJupiter Money, eye yakhutshelwa ngaphezulu kwe-50 lakh kwiGoogle Play Store. Abasebenzisi banokuphinda bahlaziye iifowuni zabo, bahlawule amatyala, kwaye bathenge kwi-Intanethi ngeBullet Pay, kwaye banokuhlawula kamva.
I-app ibonelela ngendlela ekhawulezayo yokuthenga kunye nokuhlawula ngeentsuku ezimbalwa, iyenza ibe ntle kubantu abafuna ukulawula ngcono iimali zabo. Unokusebenzisa iBullet Pay kwinani labathengisi be-intanethi, kuquka iZomato kunye nezinye iivenkile ezikwi-intanethi.
Kwi-intanethi okanye ngaphandle kwe-intanethi, abasebenzisi bangenza nayiphi na ukuthenga kwaye bahlawule ngekhredithi. Kubalulekile ukukhumbula ukuba ukuze usebenzise le nkqubo, abasebenzisi kufuneka babe nesidima amanqaku etyala, kwaye ukwamkelwa kuxhomekeke kwi-creditworthiness.
- Ityala langoko nangoko: Fumana ukuya kuthi ga kwi-R10,000 yetyala ngemizuzu.
- Umjikelo weBhili: Iibhili zithunyelwa kabini ngenyanga ngomhla we-15 kunye nomhla wokugqibela wenyanga.
- Izikhumbuzi zangexesha: Ungaze uphoswe yintlawulo enezikhumbuzo ezifike ngexesha.
- Akukho Nzala kunye neMirhumo: Yonwabela umjikelo wembuyekezo yeentsuku ezili-15 zero-inzala ngaphandle kweentlawulo.
- Ubuncinci be-UI: Kulula ukuyisebenzisa ngojongano olulula noluthe ngqo.
- UBhaliso olukhawulezayo noluLula: Bhalisa ngokukhawuleza ngenombolo yakho yeselula kunye neenkcukacha zekhadi le-PAN.
- Skena kwaye uHlawule: Ukuhlawula ngokulula naliphi na ityala ngocofa nje okumbalwa.
2. ZestMoney
I-Zest yinkampani ye-fintech ekhula ngokukhawuleza eguqula umdlalo wemali yabathengi eIndiya. I-Zestmoney yasekwa kwi-2015 nguLizzie Chapman, uPriya Sharma, kunye no-Ashish Anantharaman.
Ukusukela ngoko, inikezelwe ekuphuculeni ubomi bamakhaya amaIndiya angaphezu kwezigidi ezingama-300 angakwaziyo ukufumana ityala ngenxa yokunqongophala kwembali yetyala. Ivumela abasebenzisi ukuba bajonge umda wabo wetyala kwaye bagqibezele i-KYC yabo kwi-app.
I-ZestMoney inokhuphelo olungaphezulu kwe-1 ye-crore kwi-Play Store. Ngaphaya koko, iyafumaneka ngaphezulu kwe-75,000 yeendawo ezithengiswayo kunye ne-15,000 yamashishini e-intanethi, enika abathengi izinto ezahlukeneyo ezinokwenzeka. IQonga lezoQoqosho leHlabathi libize i-ZestMoney njengoVulindlela boBugcisa bowama-2020 ngokunika ingqwalasela kwindlela yabo ekhethekileyo yenkxaso-mali.
- Hlawula Kamva kwiZavenge: I-Zest ibonelela ngamathuba okuba uhlawulele izinto ozithengileyo ngezavenge ezi-3 ezingenanzala. Unokukhetha kwakhona ukuhlawula nge-6, 9, okanye 12 ngezavenge, nangona ezi khetho ziza kunye neentlawulo ezithile.
- IMigaqo neMiqathango ecacileyo: I-Zest inemiqathango kunye neemeko ezicacileyo, ngaphandle kweentlawulo ezifihliweyo okanye umrhumo wokujoyina. Nangona kunjalo, kufuneka uqaphele ukuba ukuphoswa kwe-EMI kuya kutsala isohlwayo se-INR 250.
- Ulwamkelo oluBanzi: I-Zest yamkelwe ngaphezulu kwe-10,000 yeevenkile ze-intanethi kunye neevenkile ezithengisa izinto eziphathekayo ezingama-75,000, nto leyo eyenza kube lula kuwe ukuthenga kwi-intanethi nangaphandle kweintanethi.
- Inkqubo yokuVuma ngokukhawuleza: NgeZest, akukho mfuneko yamaphepha okanye ikhadi letyala. Inkqubo yokuvunywa kwamanyathelo ama-3 iyakhawuleza kwaye ayinangxaki.
- Umlinganiselo weTyala oPhezulu: Ngokuxhomekeke kwiprofayile yakho yetyala, iZest ibonelela ngomda wetyala ukuya kuthi ga kwi-INR lakh ezimbini, ikunika inkululeko yokuthenga izinto ezinkulu.
3. I-Kissht
U-Kissht, owayesakuba yi-Fastbanking, yinkulumbuso yaseIndiya yomboneleli wezisombululo zentlawulo zetyala. Yasekwa ngo-2015 kwaye ithembisa ukubonelela abathengi kwilizwe lonke ngokukhawuleza nangokulula ngemali yetyala. Itekhnoloji yokuzaliseka kwedijithali ngokupheleleyo kunye ne-automated ivumela abathengi ukuba bathenge kwiitshaneli ze-intanethi kunye nezomzimba.
I-Kissht inobukho obuninzi bemarike, inamaqabane angama-50+ kwi-intanethi kunye ne-3000+ yeevenkile zokuthengisa.
Abathengi banokuthenga ngokulula kuba ifemu ibonelela ngokukhawuleza kwaye kulula i-EMI kwindawo yokuthengisa. Iqonga lidityaniswe ngokupheleleyo ne-app evumela abathengi ukuba bangenise amaxwebhu ngedijithali, benze iintlawulo, kwaye bajonge idatha yemboleko.
I-Kissht yonyusa ngokukhawuleza ukufikelela kwayo ukunceda abantu abaninzi ukuba bafumane imali yetyala, ngaphezulu kwe-10 yezigidi ezikhutshelweyo zeapp kunye ne-3.5 yezigidi zabathengi abonwabileyo.
- Uluhlu olubanzi lwabarhwebi: I-Kissht inika abathengi bayo inkululeko yokukhetha kunye nokuthenga iimveliso ezivela kuluhlu olubanzi lwabarhwebi.
- 100% inkqubo yedijithali: Ibonelela ngenkqubo yedijithali ngokupheleleyo kubathengi bayo, ukusuka ekulayisheni iinkcukacha ze-KYC ukuya ekufumaneni ngetyala ngoko nangoko kwiakhawunti yabo yebhanki. Abathengi banokusebenzisa ikhowudi yeQR yeKissht ukwamkela iintlawulo ngaphandle komthungo okanye ukuthenga evenkileni.
- Iinketho ezininzi zokubuyisela: I-Kissht ibonelela ngeendlela ezininzi zokubuyisela abathengi bayo, ikwenza kube lula kubo ukubuyisela imali-mboleko yabo.
- Ingqesho eguquguqukayo: Inika abathengi bayo inkululeko yokuzikhethela ixesha labo lentlawulo.
- Kissht Digital EMI Card: Abathengi banokukhetha i-Kissht Digital EMI Card ngokuhlawula umrhumo wokucubungula we-INR 199 + GST (okt INR 235). Xa sele ufanelekile kwaye emva kokufumana ikhredithi yokuqala, umrhumo wokucubungula ubuyiselwa kumthengi.
4. I-PostPe
I-PostPe, ephethwe nguBharatPe, ithengwa ngoku ihlawule kamva (i-BNPL) inkonzo esekelwe kwi-2018 ngu-Ashneer Grover kunye noShashvat Nakrani. Inika umda wetyala ukuya kuthi ga kwi-10 lakh kunye nekhadi letyala letyala ukwenza ukuthenga, kunye nokukhetha ukuhlawula ngekhadi lePostPe.
Abathengi banokuskena ngokulula ikhowudi ye-QR kwaye benze iintlawulo besebenzisa i-PostPe credit kwiindawo zokuthengisa. Ithegi yabo ithi "De Dena Aaram Se," okuthetha ukuba hlawula ngokulula kwakho.
I-PostPe ikwabonelela ngokhetho lokuguqula izixa-mali ezingekahlawulwa zibe yi-EMIs ngexesha olikhethayo. Ukongeza, abasebenzisi banokujonga inkcitho yabo kwaye baphumelele ukubuyisela imali eyonwabisayo kunye nemivuzo. Umda wetyala uqala kwi- ₹ 1000 kwaye umda ophezulu umiselwa ngokusekelwe kwimbali yentlawulo yomsebenzisi.
- Imbuyiselo yemali kwi-Referral -Unokufumana imbuyekezo yemali ukuya kuthi ga kwi-5% ngokuthumela umhlobo ukuba asebenzise usetyenziso.
- Imbuyekezo eguquguqukayo I-Tenure-I-PostPe inikezela ngentlawulo yentlawulo phakathi kweenyanga ezintathu nezintandathu. Unokukhetha nayiphi na i-tenure ngokusekelwe kubuchule bakho bokuyicoca.
- Intlawulo ye-Intanethi kunye ne-Offline - Ungasebenzisa i-PostPe ukwenza iintlawulo kwi-intanethi nakwi-intanethi, ngaphandle kwentlawulo.
- Amakhadi enzelwe wena NgePostPe, ufumana ikhadi elenzelwe wena kunye nekhadi letyala letyala elinokusetyenziselwa ukuthenga izinto ezahlukeneyo, ukusuka kwizinto zemihla ngemihla ukuya kwizinto zodidi oluphezulu.
- Uxwebhu oluncinane – Thenga ngoku Ukuhlawula kamva inqaku lePostPe lineemfuno ezincinci zamaxwebhu, okwenza kube lula ukufumana iikhredithi kwimizuzwana embalwa nje. Iikhrayitheriya zokufaneleka ziquka ukuba ngaphezulu kweminyaka engama-21 ubudala kunye nokufumana umvuzo oqhelekileyo.
- Intlawulo yeBhili - Ekuqaleni kwenyanga nganye, i-bill yenziwa. Uneentsuku ezintlanu zokuyibuyisela okanye ukuyiguqulela kwi-EMI.
- I-Dashboard eyenziwe ngumntu Nge-PostPe app, ufumana ideshibhodi eyenzelwe wena apho unokujonga iintengiselwano zakho zamva nje, umda okhoyo wetyala, ukubuyisela imali efunyenweyo, kunye nezinye iinkcukacha.
- UkuDluliswa kweMali okulula -Ungathumela imali ngokulula kubahlobo bakho okanye uthumele imali kweyakho i-akhawunti yebhanki ngokuskena nje ikhowudi.
5. Flipkart Hlawula Kamva
I-Flipkart Pay Later yindlela yokuhlawula eyaziswa nguFlipkart ngo-2017 ukwenza inkqubo yokuphuma ibe lula kubathengi. Abathengi banokusebenzisa olu khetho ukuze bathenge kwaye bazihlawulele ngaphandle kokwenza nayiphi na intlawulo eyongezelelweyo ngaphambi kwesihlanu kwinyanga elandelayo. Kwakhona, abathengi banenketho yokuhlanganisa iintlawulo zabo kwintengiselwano enye enkulu.
I-Flipkart Pay Later ibonelela ngetyala lokuya kuthi ga kwi-Rs. I-1 lakh, kwaye inkqubo yokuvula iqondile, idinga kuphela igalelo le-PAN kunye nedatha ye-Aadhaar, ukuqinisekiswa kwe-OTP, kunye nokuqinisekiswa kwe-akhawunti yebhanki. Abathengi banokukhetha olu khetho lokufumana iindlela zokuhlawula eziguquguqukayo, ezithatha ukuxhalaba ekwenzeni iintlawulo ngexesha lokuphuma.
Abathengi abaninzi ngoku bafumanisa ukuthenga kukhululekile ngakumbi enkosi kuFlipkart Pay Kamva, intlawulo ethandwa kakhulu kwiwebhusayithi.
- Hlawula amatyala: Nge-Flipkart Pay Kamva, unokubhatala amatyala akho aluncedo, amatyala e-postpaid, kunye namanye amatyala ngokukhetha nje indlela yokuHlawula kamva ngexesha lokuphuma. Ungabhatala ubuncinci okanye ungabi namali uze ucime ibhalansi phambi komhla wesi-5 wenyanga ezayo ngaphandle kweentlawulo ezongezelelweyo.
- Akukho Iindleko ezongezelelweyo: I-Flipkart Pay Later ikuvumela ukuba uthenge ngoku kwaye uhlawule kamva ngaphandle kweendleko ezongezelelweyo. Ungazonwabela iimveliso ozithengayo kwaye emva koko ucime iintlawulo zakho ngaphambi komhla omiselweyo.
- Ukhetho lwe-EMI: I-Flipkart Pay Later ibonelela ngeendlela ze-EMI ngenzala emalunga nama-22-24% ngonyaka.
- Izinketho zeNtlawulo: Unokusebenzisa i-Flipkart Pay Kamva nazo zonke iindlela zokuhlawula ngaphandle kwe-Cash on Delivery (COD), njenge-UPI, ikhadi letyala, ikhadi lebhanki, i-net banking, kunye nezipaji.
- Ifumaneka kwiiPlatifomu ezininzi: I-Flipkart Pay Later iyafumaneka kwiFlipkart, Myntra, Shopsy, kunye nePhonePe.
- Iintlawulo zokuSebenza: Iintlawulo zokusebenzisa i-Rs. I-15 iya kutsalwa ngezixa ezingaphezulu kwe-Rs. 10,000.
- Umda weTyala: Intlawulo yakho yetyala emva kwexesha ngeFlipkart iqala kwiRs. I-5,000, enokunyusa okanye iyancipha ngokusekelwe ekuthengeni kwakho kunye nokuziphatha kwembuyekezo amaxesha ngamaxesha.
6. ImaliE
I-CashE yinkampani ye-fintech eyasungulwa ngo-2016 ngu-V. Raman Kumar enikezela ngetyala ngoko nangoko kwiingcali ezincinci ezihlawulwayo. Ngeqela labantu abayi-170 kunye ne-7 yezigidi ezikhutshelweyo, iCashE ikhuphe imali-mboleko exabisa ngaphezulu kwe-2000Cr. Inkampani isebenza eMumbai naseHyderabad, kwaye imali inikezelwa ngabatyali-mali babucala.
Enye yeempawu ezizodwa zeCashE luncedo lwayo lwetyala elikhawulezayo, elivumela abasebenzisi ukuboleka imali ukuya kuthi ga kwi-2 lacs. Inzala ihlawuliswa kuphela kwimali echithiweyo hayi kumda ovunyiweyo uwonke. Oku kwenza kube lukhetho oluguquguqukayo kunye nolulungele abo bafuna ukufikelela ngokukhawuleza kwiimali.
NgeCashE, abantu abaqeqeshiweyo abancinci banokufumana ukufikelela kwityala ngaphandle kokudlula kwinkqubo yebhanki yesiqhelo, beyenza ibe lukhetho olunomtsalane kwabo bafuna ukuphepha ingxaki yamaxwebhu amade kunye namaxesha okulinda.
- Iimali-mboleko ze-BNPL ezininzi: Khetha iimali-mboleko ezininzi ze-Thenga Ngoku Hlawula Kamva (BNPL) ukuze uhlawule ukuthenga kwakho.
- Umgca wetyala: Ukuboleka kwaye ubuyisele imali kwisiseko esijikelezayo ngaphandle kokufaka isicelo semboleko entsha.
- Isicelo esiLula kunye neeNgxowa-mali zangoko: Isicelo esingenangxaki kwi-intanethi kunye nokukhutshwa ngoko nangoko.
- Ubukhulu bokufaneleka kweMali-mboleko: Uboleka ukuya kuthi ga kwi-500% yomvuzo wakho wenyanga.
- Umrhumo Wokuqhubekeka: Umrhumo omncinci wokusetyenzwa kwe- ₹ 500 okanye i-1% yemali yetyala, nokuba yeyiphi ephezulu.
- Ixesha leMboleko: Buyisela imali-mboleko ubuncinci beenyanga ezi-3 ukuya kuthi ga kwiminyaka eyi-1.5.
- Umgangatho wenzala: I-2.5% ngonyaka kwisithuba sonyaka omnye kunye neentlawulo zezohlwayo ze-0.1% ngosuku ngokulibaziseka kweentlawulo ze-EMI.
- Ubuncinane bokufaneleka koMvuzo: Iyafikeleleka kubasebenzi abarholayo abarhola ubuncinci be- ₹15,000 net ngenyanga.
- Ukuzibekela umda weTyala: Zibekele umlinganiselo wetyala lakho ngokwesakhono sakho solawulo olungcono lwemali.
7. Hlawula nje emva kwexesha
I-Simpl yinkampani ye-fintech esekwe e-Bangalore esekwe ngu-Nityanand Sharma ebonelela ngeqonga elipheleleyo, elihambahambayo lokuqala lentlawulo esekelwe kwityala. Ikhawuleze yafumana ukuthandwa phakathi kwabasebenzisi ngenxa yoyilo lwayo olusebenziseka lula kunye nemithetho ethe ngqo, kwaye ngoku inesiseko sabasebenzisi behlabathi abazizigidi ezisi-7.
Injongo yenkampani kukwenza lula inkqubo yentlawulo kubo bobabini abathengi kunye nabarhwebi. Ijolise ekususeni imfuno yeemfumba zamaphepha kunye neendleko ezifihliweyo.
Abasebenzi beSimpl basasazeke kumazwe amathathu. Oku kuqinisekisa ukuba iinkonzo zayo zifikelela kwihlabathi jikelele. Njengokuqala kwe-fintech, i-Simpl ihlala iqamba kwaye isomeleza iqonga layo ukuze ibonelele ngamava angcono kubathengi, iyenza ibe lishishini elinomdla ukulandela kwihlabathi lezemali kunye netekhnoloji.
- Ukuphuma kwempompo enye: I-Simpl izisa i-khata kwi-intanethi, ikuvumela ukuba ujonge ngempompo enye kwaye uhlawule kamva.
- NONE I-Simpl iqhagamshelwe kwiivenkile ezikwi-intanethi ezingaphezu kwama-26,000, nto leyo eyenza kube lula ukusebenzisa i-app ukuthenga kuluhlu olubanzi lwabarhwebi.
- Sula ibhalansi elula rhoqo ngeentsuku ezili-15: Nge-Simpl, unokuyicoca ngokulula ibhalansi yakho rhoqo ngeentsuku ezili-15 nge-app, ukuze ungaze ube nexhala lokuphoswa yintlawulo.
- Uhlahlo lwabiwo-mali olusebenza nzima: I-Simpl yenza kube lula ukugcina umkhondo weendleko zakho zenyanga kunye nohlahlo lwabiwo-mali ngokufanelekileyo, ukuze uhlale uphezulu kwiimali zakho.
- Hlawula amatyala oncedo kunye nee-akhawunti zokutshaja kwakhona: Ungabhatala amatyala akho asetyenziswayo (afana namanzi, igesi, kunye namatyala efowuni yasekhaya) kwaye utshaje iiakhawunti zakho ngempompo nje enye, zonke ngaphakathi kwe-Simple app.
- Akukho manqaku ekhredithi afunekayo: I-Simpl isebenzisa iimodeli zayo zokufunda koomatshini ukuqonda abathengi kunye nokuseta imida yenkcitho, ngoko akukho mfuneko yamanqaku etyala.
- Uhlaziyo rhoqo umda wenkcitho: Umyinge wenkcitho yakho ekuqaleni umiselwa ngokuzenzekelayo, kodwa uhlaziywa rhoqo ngokusekwe kwizinto ezifana nemikhwa yakho yokuchitha kunye namandla eprofayile yakho.
- Imirhumo ecacileyo kunye nemigaqo-nkqubo: I-Simpl ayinamrhumo efihliweyo okanye imfumba yamaphepha, kwaye yonke into ukusuka kwiibhili ukuya kwimbuyekezo ibonakala elubala.
- Ukhuseleko lomthengi: I-Simple ibonelela ngokhuseleko lomthengi ukukunceda uthenge ngokuzithemba.
8. Paytm Postpaid
I-Paytm Postpaid liziko elidumileyo elithi Thenga Ngoku, Hlawula Kamva elasungulwa ngo-2019. Yasungulwa ngamahlakani e-NBFC e-Paytm, i-Aditya Birla Finance Limited kunye ne-Fullerton India Credit Company Limited. Ekuqaleni, yayinikezela ngeenkonzo ezintathu, kodwa ngoku zimbini kuphela - iLite kunye neDelite.
Umgca wekhredithi ungasetyenziselwa ukuthenga kwi-intanethi / ngaphandle kwe-intanethi kwi-1 crore + iiwebhusayithi kunye nabarhwebi. Inkqubo yokungena kwi-app ye-Paytm ithatha nje imizuzu emi-2.
Ukuze bafaneleke, abasebenzisi kufuneka ubuncinane babe neminyaka engama-20 ubudala kwaye babe nenombolo esebenzayo yePAN. Ukunyaniseka kwenkonzo kuqala iminyaka emi-2, kodwa iya kuhlaziywa ngokuzenzekelayo. I-Paytm Postpaid yindlela efanelekileyo yokuhlawula ukuthenga ngaphandle kwesidingo sentlawulo yangoko, kwaye inokunceda abasebenzisi ukulawula iimali zabo ngokufanelekileyo.
- Ityala langoko nangoko: Abasebenzisi banokufumana ngetyala ngoko nangoko ukuya kuthi ga kwi-Rs. 60,000 ukuya kwiintsuku ezingama-30 zexesha elingenanzala. Oku kuvumela ukuguquguquka okukhulu ekulawuleni imali.
- Ukhetho lokubuyisela: Abasebenzisi banokubuyisela imali yabo yePostpaid nangaliphi na ixesha ngokundwendwela icandelo lePaytm Postpaid yosetyenziso. Ungasebenzisa i-UPI, iKhadi le-Debit, okanye i-Net Banking ukuze uhlawule. Oku kuthetha ukuba abasebenzisi banokulawula ngokulula iindleko zabo kunye neentlawulo ngendlela engenangxaki.
- Umrhumo woncedo: I-Paytm Postpaid ihlawulisa umrhumo oqhelekileyo we-0% - 3%, ukuba ikhona. Le mali ihlawuliswa kuphela kwiindidi ezithile ezifana nokuhlawulela irenti kwaye iboniswa ngexesha lentengiselwano. Nangona kunjalo, akukho ntlawulo ihlawuliswayo ngokusebenzisa uncedo lwekhredithi kwezinye iitransekshini.
- Umrhumo wasemva kwexesha: Abasebenzisi kufuneka baqinisekise intlawulo yentlawulo kwangexesha ukuthintela imirhumo kade. Ngokuxhomekeke kwimali efunekayo, umrhumo kade unokusukela kwi-0 ukuya kwi-Rs. 750 kunye neGST.
- Uhlawulo olunzulu: Abasebenzisi banako kwakhona ukuhlawula imali yabo eseleyo kwangaphambili nangaliphi na ixesha enyangeni, nto leyo ebanika ulawulo olukhulu kwiimali zabo.
- Ii-EMIs: I-Paytm Postpaid inika ithuba lokuguqula imirhumo ibe yi-EMIs exabisa inzala eyi-2%+ ye-GST ngenyanga. Olu phawu luluncedo ngakumbi kwabo banamanqaku aphantsi e-CIBIL, njengoko ingeyomfuneko yokusebenzisa iPaytm Postpaid.
9. Bhatala kamva
Ngo-2015, u-Aurko Bhattacharya, u-Akshat Saxena, kunye no-Uday Somayajula benza i-EpayLater njengesisombululo sentlawulo esimisiweyo. Ibonelela ngendlela ethe ngqo, ecacileyo, kunye nengaguqukiyo yentlawulo yazo zonke iintlobo zokuthenga. Abathengi banokukonwabela ixesha letyala elingahlawulelwanga nzala leentsuku ezisi-7 okanye ezili-14, nto leyo eyenza ibe lukhetho olunomtsalane kwiifemu ezincinci ezikhangela umgca okhawulezayo wetyala ukuvala intsilelo yenkunzi esebenzayo.
Ukukhusela imfihlo yolwazi lwabasebenzisi bayo, i-Epay Kamva iphakamisa owona mgangatho uphakamileyo wokhuseleko. Wonke umntu unokuyisebenzisa njengendlela yokuhlawula elula kuba ifikeleleka kuwo onke amajelo, okwenyama kunye nedijithali. I-Epay Kamva inikezela ngetyala elithe ngqo, elivulekileyo, nelingenaxabiso, eliyenye yeempawu zayo eziphambili.
Kufuneka ujoyine kuphela kwaye wenze intengiselwano nakweyiphi na indawo yomthengisi weqabane ukuze ugqibezele inkqubo yesicelo setyala.
- Ityala ukuya kuthi ga kwiintsuku ezili-14: I-ePayLater ibonelela ngesisombululo sentlawulo esimisiweyo kunye nexesha letyala elingenanzala ukuya kutsho kwiintsuku ezili-14. Ivumela abasebenzisi ukuba bathenge ngaphandle kokuhlawula kwangaphambili.
- Inkqubo elula yokubhalisa: Ukubhalisela i-ePayLater kuyakhawuleza kwaye kulula. Nje ukuba ubhalise, ungathengisa kuyo nayiphi na i-portal yomthengisi weqabane ngaphandle kokungena kwiwebhusayithi.
- Udibaniso lwabarhwebi ngokuthe ngqo: I-ePayLater inodibaniso oluthe ngqo kunye nabarhwebi. Oku kunceda ukujongana nokuphuma ngokukhawuleza ngaphandle kokugcina iileja zembuyekezo/ukucinywa.
- Umlinganiselo wetyala oguquguqukayo: Umda wetyala uqala kwi-Rs. 25,000 kwaye inokunyuka ukuya kuthi ga kwi-Rs. I-25 lakhs, inika abasebenzisi ukuguquguquka kokulawula kwabo ukuhamba KWEMALI ngokweemfuno zabo zoshishino.
- Akukho ntlawulo yokuqhuba: Akukho zintlawulo zokusetyenzwa ezibizwayo xa ufaka isicelo se-ePayLater.
- Iintlawulo zasemva kwexesha: Kwimeko apho ibhalansi ifunyaniswa ingonelanga xa kuzanywa ukuba kutsalwe imali, kukho umrhumo osemva kwexesha/i-bounce ye-Rs. 500. I-GST iyasebenza kwiintlawulo zentlawulo kade.
- Ukutsalwa kweentlawulo ngokuzenzekelayo: Iintlawulo ze-ePayLater zitsalwa ngokuzenzekelayo kwiakhawunti yakho yokonga yebhanki eqhagamshelweyo. Ngoko ke, kufuneka ugcine ibhalansi eyaneleyo ngomhla omiselweyo kwi-akhawunti yokonga eqhagamshelweyo. Ukongeza, ungahlawula iintlawulo zakho usebenzisa i-NEFT okanye i-UPI imowudi yokuhlawula kwiakhawunti yakho yokonga ukuba kukho naziphi na iintlawulo ezingekahlawulwa.
III. Ukuqukumbela
Emva kokuphonononga ezinye zeendlela eziphambili zeLazyPay, kucacile ukuba kukho iindlela ezininzi "zokuthenga ngoku, hlawula kamva" ezifumanekayo kubathengi baseIndiya. Ngelixa i-app nganye ineseti yayo yeenzuzo kunye neengxaki, i-Simpl ivela njengokhetho oluphezulu kwabo bafuna amava angenangxaki.
Enye yezinto ezibalaseleyo zeSimpl yimali yayo yokubuyisela imali kunye nenkqubo yomvuzo. Iyenza yahluke kwezinye iiapps ezikwesi sithuba. Ukongeza, i-app yongeza ngokuzenzekelayo umda wetyala wabasebenzisi abafanelekileyo nto leyo eyenza ibe lukhetho olunomtsalane kwabo banezidingo zemali eziguquguqukayo.
Enye inzuzo enkulu ye-Simpl yi-zero-interest and zero-processing policy policy. Oku kuthetha ukuba abasebenzisi banokwenza ukuthenga kwabo ngaphandle kokukhathazeka malunga naziphi na iindleko ezifihliweyo.
Ngelixa umjikelo wentlawulo ka-Simpl weentsuku ezili-15 unokuba ngumqobo kwabanye, kunzima ukufumana naziphi na iimpazamo ezinkulu kule app esebenziseka lula kunye nengabizi kakhulu. Lilonke, iSimpl lukhetho oluhle kuye nabani na okhangela indlela elula necacileyo “yokuthenga ngoku, hlawula kamva” eIndiya.
Shiya iMpendulo