Iindlela ezinzima nezitsala nzima zokwenza iintlawulo zaphesheya kolwandle yinto yakudala. I-SALT.PE yenza lula kwaye yenza lula ukuthengiselana okuwela imida, iguqula ishishini.
Kule post, siza kuphonononga iingenelo ezizodwa zeqonga kunye neempawu, kunye noyilo olusebenziseka lula kunye neempawu zokhuseleko oluluqilima.
Iqonga leSalt.Pe liyimpendulo egqibeleleyo yazo zonke iimfuno zakho ezinxulumene neentlawulo eziwela umda, nokuba ungumntu okanye ishishini elizama ukwandisa ukufikelela kwakho.
Isishwankathelo seSalt.Pe kunye neenkonzo zayo
Ityuwa.Pe sisiqalo sefintech saseIndiya esasekwa nge-13 kaJanuwari, ngo-2020 ngu-Udita Pal kunye no-Ankit Parashar. Inkampani isekelwe e-Bengaluru, e-Karnataka e-Indiya, kwaye inikezela ngesisombululo se-neo-banking ukwenza lula iintlawulo kunye namaxwebhu kumashishini amancinci naphakathi.
Iqonga lijolise ekuboneleleni ngesisombululo esisodwa kuzo zonke iimfuno zebhanki zamazwe ngamazwe, ngokukodwa kwiintlawulo zemida kunye nokuthotyelwa. Sisisombululo esitsha esinceda amashishini ajikeleze kwihlabathi elinzima leentlawulo zamazwe ngamazwe kunye neemfuno zokuthobela ngokulula.
Nge-salt.pe, amashishini anokugxila ekukhuliseni imisebenzi yawo ngaphandle kokukhathazeka malunga neenkathazo zebhanki zamazwe ngamazwe. Injongo yale nkampani kukwenza ukuba iibhanki zamazwe ngamazwe zifikeleleke kuye wonke umntu kunye nokuxhobisa amashishini abo bonke ubukhulu ukuze andise ukufikelela kwawo kwihlabathi jikelele.
Kodwa zithini kanye kanye iiNtlawulo zeCross-Border? Ngaba siyayifuna loo nto?
Iintlawulo ezinqumla imida yintengiselwano yezemali eyenzeka phakathi kwamaqumrhu akumazwe ahlukeneyo. Zibalulekile ekuxhaseni urhwebo lwamazwe ngamazwe kunye nemisebenzi yequmrhu kuqoqosho lwehlabathi.
Iintlawulo ezinqamleza imida ziya zibaluleka ngakumbi eIndiya njengoko ilizwe lisanda ukufikelela kulo kwihlabathi liphela. Ngokukodwa, iifemu ezincinci kunye neziphakathi (ii-SME) eIndiya zinemfuno ephezulu yezisombululo zentlawulo enqamleza imida ukuxhasa imisebenzi yabo yorhwebo lwamazwe ngamazwe.
Nangona kunjalo, iinkqubo zangoku zaseIndiya zokuhlawula imida zijongene nemiqobo emininzi, kuquka iindleko eziduru, amaxesha okusebenza amade, kunye neemfuno ezintsonkothileyo zolawulo. Le miqobo ihlala ithintela ukukhula kwee-SME zaseIndiya kwaye inciphisa amandla azo okubandakanyeka kuqoqosho lwehlabathi.
Iintlawulo ezinqamlezileyo zibalulekile eIndiya kuba zinokuncedisa ii-SME zaseIndiya ukuba zoyise ezi zithintelo kwaye zingene kwiimarike ezintsha, zibavumela ukuba bakhuphisane kwihlabathi liphela kwaye baphucule inkqubela yezoqoqosho yelizwe.
Ngenxa yoko, isisombululo sokuhlawula imida esisebenzayo nesinexabiso eliphantsi njengeSalt.Pe inamandla okunceda kakhulu amashishini amancinci naphakathi aseIndiya ngelixa ekwanegalelo ekukhuleni koqoqosho lwaseIndiya.
Imingeni eqhelekileyo ejongene nayo kolu shishino
Ewe, kukho imiqobo eqhelekileyo kunye nemida ethi imibutho ekwicandelo lokuhlawula imida idibana nayo, efana nale:
- Izithintelo zolawulo: Iintlawulo ezinqamlezayo zingabandakanya iintlanga ezininzi kunye nezithintelo zabo ngabanye, okwenza inkqubo ibe nzima kwaye idle ixesha. Iinkampani kufuneka ziqinisekise ukuba zonke izibophelelo zolawulo, ezinje ngokunxamnye nokuthutyeleziswa kwemali (AML) kunye nokwazi-umthengi wakho (KYC), zihlangatyeziwe.
- Amazinga oguqulo lwemali: Ukuguquguquka kwexabiso lotshintshiselwano lwemali kunokuchaphazela ixabiso lentengiselwano enqumla imida kunye neyona mali ifunyenwe ngummkeli.
- Imirhumo yokuGqithisela: Iindleko eziphezulu zokudluliselwa zingenza iintlawulo ezinqumla imida zibize kakhulu kubo bobabini umthumeli kunye nomamkeli.
- Isantya sokutshintshela: Iintlawulo ezinqumla imida zinokuthatha iintsuku ezininzi ukufika apho ziya khona, zibangele ukungonwabi kunye nelahleko yexesha.
- ukhuseleko: Kuba iintengiselwano ezinqumla imida zibandakanya iimali ezinkulu, ziqhelene nobuqhophololo kunye nohlaselo lwe-cyber. Iinkampani kule ndawo kufuneka ziqinisekise ukuba zinamanyathelo awoneleyo okhuseleko akhoyo ukuze zikhusele imali yabathengi bazo.
Makhe sibone indlela iSalt.Pe ehlangabezana ngayo nale mingeni!
Uqala njani?
Ukuqalisa ngeSalt.Pe yinkqubo ethe ngqo enokuthi igqitywe ngamanyathelo ambalwa nje alula. Ukunceda ukuzisa amava obuqu eqonga, mna ngokwam ndathatha ixesha lokubhalisa kwiwebhusayithi yeSalt.Pe.
Inyathelo lokuqala kule nkqubo kukukhetha uhlobo lweshishini lakho, nokuba uyinkampani, ubambiswano, ubunini, okanye umntu osebenza yedwa. Okulandelayo, uya kucelwa ukuba unikeze iinkcukacha ezisisiseko ezifana negama lakho, ilizwe, idilesi ye-imeyile, inkcazo yeshishini, kunye nengeniso.
Emva kokuvumelana nemigaqo nemiqathango, unokukhetha amazwe olindele ukufumana iintlawulo kuwo. Nceda uqaphele ukuba kunokubakho iintlawulo ezongezelelweyo kumazwe angaphandle kwe-US, UK, Canada, kunye ne-EU.
Nje ukuba zonke iinkqubo zigqityiwe, ungangena kwiakhawunti yakho kwangoko.
Ukusebenziseka ngokulula kunye namava omthengi
Enye yezinto eziphambili zokuthengisa zeSalt.Pe kukulula kwayo ukusebenzisa kunye namava omthengi. Umbutho uyazi ngemiba emibini engundoqo eyayanyaniswa neentlawulo zamazwe angaphandle: iinkqubo ezithatha ixesha kwaye imimiselo enzima.
Ukujongana nale mingeni, i-Salt.Pe idale iqonga layo lokunciphisa ixesha lokuthengiselana kunye nokuncedisa abathengi ukuba bahambe ngokusemthethweni okufunekayo. Ngenxa yoko, inkampani iye yasebenza kwakhona $ 15 yezigidi kwintengiselwano kunye neentlawulo zangaphandle ezilula nezingenaxinzelelo.
Abathengi akusekho mfuneko yokuba bahlupheke ngenxa yokulibaziseka okude kunye nokusebenza kanzima, iifizi zentengiselwano ezibizayo, okanye ukungabikho koncedo lwedijithali ngeSalt.Pe. Ubume beqonga obusebenziseka lula kunye nokuhamba ngokuthe ngqo kuyenza ibe yeyona ndlela ibalaseleyo kuye nabani na onqwenela ukwenza lula inkqubo yabo yentlawulo yamazwe ngamazwe.
Ukhuseleko kunye nokhuseleko lweenkcukacha zomsebenzisi kunye nezemali
I-Salt.Pe ithatha uxanduva lwayo lokukhusela iinkcukacha zabasebenzisi bayo kunye nezemali ngokubaluleke kakhulu. Umbutho uthathe onke amanyathelo okhuseleko ayimfuneko ukukhusela ukhuseleko lwabaxumi bawo. Ibambisene neebhanki ezilawulwa yi-Reserve Bank of India (RBI), kunye nabalawuli abachaphazelekayo befemu nganye esebenza nabo, ukuqinisekisa ukuba zonke iintengiselwano zihambelana ngokupheleleyo nemigangatho yoshishino.
Ukongeza kwintsebenziswano kunye neebhanki ezilawulwayo, i-Salt.Pe ikwasebenzisa iteknoloji ye-cutting-edge ukukhusela ulwazi lwabasebenzisi. Ukusuka ekupheleni-ukuya-ekugqibeleni ukubethelwa kwedatha ukuya kwiiprothokholi zokhuseleko ezinamanqwanqwa amaninzi, inkampani izibophelele ekuboneleleni abasebenzisi bayo ngoxolo lwengqondo.
NgeSalt.Pe, unokuqiniseka ukuba ulwazi lwakho lomntu siqu kunye nezezimali lukhuselekile nge-100%. Nokuba wenza intlawulo enqumla imida okanye ugcina nje ulwazi lwakho, i-Salt.Pe ikuhlawulele.
Umgangatho wenkxaso yabathengi
Ngaphandle kokuba yinkampani encinci, i-Salt.Pe ithatha inkxaso yabathengi ngokungathí sina. Nangona kusenokungabikho uluhlu olubanzi lokukhetha ukunxibelelana nenkampani, baye bakwenza ukuba kube yinto ephambili ukuba ifumaneke ukujongana naziphi na izikhalazo abanazo abathengi.
Abathengi banokufikelela kwiqela le-Salt.Pe nge-imeyile [imeyile ikhuselwe], apho iqela elizinikeleyo lolungiso liya kuphendula imibuzo yalo ngokukhawuleza. Njengoko inkampani iqhubeka nokukhula, inokwandisa iminikelo yayo yenkxaso yabathengi, kodwa okwangoku, bakwenze ukuba kube yinto ephambili ukuba ifumaneke kwaye iphendule kwiimfuno zabathengi bayo.
Ukungafihli kunye neentlawulo
Ngokuphathelele ukungafihli kunye neentlawulo, i-Salt.Pe inikeza indlela ecacileyo kunye nechanekileyo. Nantsi lapho akukho mali yokubhalisa kwaye iqonga libiza kuphela 1.75% kwintengiselwano nganye. Lo mrhumo ugubungela yonke into, ngaphandle kweentlawulo ezifihliweyo, imirhumo, okanye imirhumo yonyaka.
Ukongeza, i-Salt.Pe ayinyanzeli naziphi na iimali zokuphawula kwinguquko, endaweni yoko, ilandela ireyithi enikezelwa nguGoogle woguqulelo lwe-INR. Oku kwenza kube lula kubathengi ukuqonda iindleko ezibandakanyekayo kwaye kunceda ukuphepha naziphi na iindleko ezingalindelekanga.
Ngeli nqanaba lokungafihli, abasebenzisi banokuqiniseka ukuba iindleko zabo ziya kuhlala ziqikeleleka kwaye zilawuleke, nakwiintengiselwano eziphezulu ze-cross-border.
Izinto ezintsha kunye neempawu ezizodwa ezinikezelwa yinkampani
I-Salt.Pe ineempawu ezimbini eziphambili- (1) Ukuthunyelwa kwemali Ngaphakathi, kunye (2) neTyuwa yeTafile. Masizijonge ngabanye.
(i) Intlawulo yangaphakathi
I-Salt.Pe inomsebenzi owodwa othiwa “Intlawulo yangaphakathi” ejolise ekuncedeni iinkampani ezincinci ekufumaneni imali kwimithombo yaphesheya. Eli nqaku livumela iinkampani ezincinci ukuba zivule indawo iiakhawunti zebhanki kwiimali ezinkulu ezintandathu, kubandakanywa I-GBP, i-AUD, i-USD, i-EUR, i-HKD, kunye ne-SGD, ngaphandle kwemfuneko yesebe laphesheya.
Ukuqala, vele ubhalise kwiwebhusayithi yeSalt.Pe, ugcwalise i-KYC kunye neenkqubo ze-KYB, kwaye ufumane ii-akhawunti zebhanki zasekhaya ukuze ufumane imali yangaphandle. Abathengi banokubhatala ekuhlaleni kwaye badlulisele iimali kwiiakhawunti zabo zengingqi ngeRemittance yaNgaphakathi, kwaye imali iya kudluliselwa kwiakhawunti yabo yaseIndiya kwiiyure ezingama-24.
Olu phawu lukhethekileyo alunciphisi nje ixesha kunye neenzame ezinxulumene neentlawulo zamazwe ngamazwe kodwa lubonelela ngendlela ekhawulezayo nesebenzayo kumashishini amancinci ukuba afumane imali kwimithombo yangaphandle.
(ii) ITyuwa yeTafile
Nangona kunjalo, ukuthengiselana kwihlabathi jikelele akusoloko kulula njengoko kunokubonakala. Zibandakanya izinto ezininzi ezintsonkothileyo kunye nezinto ezisesikweni ekufuneka zilandelwe. Kulapho into ezayo yeSalt.Pe, 'Itafile yeTyuwa'iza kudlala.
Esi sixhobo, sisekwinqanaba laso le-beta, siphuhliswe ngokukodwa abaqalayo abancinci ukwenza inkqubo yokunyusa ingxowa-mali ngokuzenzekelayo.
Ngoncedo 'lweTyuwa yeTyuwa', unokuvula iakhawunti eyinkunzi kwiiyure nje ezingama-48 kwaye ufumane imali kwiiyure ezingama-24. Isixhobo sikwalawula ukuthotyelwa kwenkxaso-mali kwangaphambili, kunye nokuthotyelwa kwenkxaso-mali emva kwe-RBI, i-MCA, kunye ne-FEMA ye. utyalo-mali lwangaphandle, kwaye ibonelela ngokubonakala ngokupheleleyo kwinkqubo yotyalo-mali.
Ukongezelela, ijolise ekwenzeni ukuthengiselana kwamanye amazwe ukuba kwenzeke nge-UPI ngo-2025. Ngokufakela ngokukhawuleza kweefom zeFIRC kunye ne-FCGPRS, iindleko eziphantsi kwiintlawulo ze-forex, kunye nokuphuma ngaphandle kokuphazamiseka kunye namaxwebhu ahambelana ngokupheleleyo, 'Ityuwa yeTafile' isetelwe ukuguqula indlela abatsha abaqalayo abaqhuba ngayo iintengiselwano zabo zangaphandle.
Yintoni iSatifikethi seFIRC
Isiqinisekiso seFIRC (Isiqinisekiso Sokuthunyelwa Kwemali Yangaphandle) luxwebhu olusebenza njengobungqina bokuthunyelwa ngaphakathi kwemali yangaphandle eIndiya. Ikhutshwa ziibhanki zaseIndiya kubathengi abafumene iintlawulo zemali zangaphandle.
Isatifikethi seFIRC luxwebhu olubalulekileyo olufunwa yiBhanki enguVimba yaseIndiya (RBI) ukuze ilawule utyalo-mali lwangaphandle kunye neentlawulo ezithunyelwa eIndiya.
Isatifikethi siqinisekisa ukuba intlawulo yemali yangaphandle ifunyenwe ngeendlela ezisemthethweni nezisemthethweni. Ngokufumana isatifikethi se-FIRC, amashishini angabonisa ubunyani bentengiselwano yabo yangaphandle, okwenza kube lula ukulawula ukuthotyelwa kwenkxaso-mali emva kokuxhaswa kunye nezinye iinkqubo ezinxulumene notyalo-mali lwangaphandle.
Inqaku elizayo leSalt.Pe 'Ityuwa yeTafile' ijonge ukwenza inkqubo yokufumana isatifikethi seFIRC ngokukhawuleza kwaye ilungele ukuqalisa.
I-Payoneer VS Ityuwa.Pe
Yintoni iPayoneer
I-Payoneer yinkonzo yokusetyenzwa kwentlawulo evela kumrhwebi waseStronghold eseClearwater, eFlorida. Inika isisombululo esifanelekileyo nesipheleleyo kumashishini azo zonke iintlobo zokulawula ukuqokelelwa kweentlawulo zabo.
Ngokufumaneka kwezixhobo zokuqhuba iintlawulo eziphambili, ezinje ngoomatshini be-POS, iitheminali ezibonakalayo, kunye nokudityaniswa kwewebhusayithi okungenamsebenzi, iPayoneer yenza kube lula kumashishini ukuba aqhube iintlawulo kwaye afumane imali kubathengi ngokulula.
Ugqaliselo lukaPayoneer ekuboneleleni ngomngcipheko omkhulu kunye neeakhawunti zabarhwebi baselunxwemeni luxhobisa amashishini ukuba andise ukufikelela kwawo kwaye aqhubele phambili ukukhula ngaphandle kokudibana nemiqobo edla ngokunxulunyaniswa neendlela zokwenziwa kweentlawulo zemveli.
Yeyiphi engcono?
I-Payoneer yiplatifomu esekwe kakuhle ebonelela ngedijithali FIRC simahla kweendleko kunye nomphathi wevenkile ozinikeleyo ukulawula iivenkile zakho ezininzi kuzo zonke iindawo zentengiso. Yabo inkonzo ye-escrow luphawu oludumileyo oluqinisekisa ukuthengiselana okufanelekileyo phakathi kwabasebenzisi bayo.
Nangona kunjalo, nangona i-giant kwishishini, i-Payoneer iye yazabalaza ukuseka inkqubo yokuxhasa abathengi ephendulayo kunye nefikelelekayo, enokuthi ibe yintsilelo ebalulekileyo.
Kwelinye icala, i-Salt.Pe liqonga elitsha elijolise ekunikezeni amava angenamthungo kumashishini ajonge ukulawula ukuthengiselana kwawo ngokulula. I-Salt.Pe iyingqayizivele ngengqiqo yokuba inika isisombululo esibanzi sokulawula ukuthotyelwa kwangaphambili kunye nasemva kwenkxaso-mali, ukubonelela ngokubonakalayo ngokupheleleyo kwenkqubo yotyalo-mali.
Iqonga likwabonelela ngokuphuma ngaphandle kobunzima kunye namaxwebhu athobela ngokupheleleyo kunye nokufakwa ngokukhawuleza kweefom zeFIRC kunye neFCGPRS. Ezi mpawu, zidityaniswe nogxininiso lweSalt.Pe inkonzo ebalaseleyo yabathengi yenza kube lukhetho olukhethiweyo kumashishini afuna iqonga elithembekileyo nelisebenzayo lokulawula iintengiselwano zabo.
Isiphelo kunye nokureyitha ngokubanzi
Ukuququmbela, Ityuwa.Pe liqonga elinika indlela ekhethekileyo yokuhlawula imida kwaye yenziwe kakuhle. Amashishini anokufumana iintlawulo ezivela kumazwe amaninzi ngokulula ngakumbi ngenxa yokuhlengahlengiswa kwenkqubo yentlawulo.
Ujongano lomsebenzisi olunengqiqo kunye noncedo lomthengi oluluncedo ngokwenene ziinzuzo.
Iqonga likhuphisana elinamandla kwimarike yeentlawulo ezinqamlezayo ngenxa yeempawu ezahlukeneyo. Kungathatha ixesha, ngenxa yokungakhuli kwayo, ngaphambi kokuba siqikelele ngokuzithemba ukuba iya kuguqula icandelo leentlawulo zemida.
Kodwa iqonga linezithembiso ezininzi, ngoko ke kufanelekile ukunikela ingqalelo.
Lilonke, i-Salt.Pe ifumana i-8 kwi-10!
Shiya iMpendulo