Izicelo ze-Buy Now Pay Later bezivame e-India isikhathi eside manje.
Lezi zinhlelo zokusebenza zisebenza ngomgomo wokuvumela abantu ukuthi bathenge impahla ngesikweletu. Nokho, iqiniso libonakala liyindida kancane.
Lo mhlahlandlela onemininingwane uzonikeza umbono ocacile mayelana nesimo samanje se- Izinhlelo zokusebenza ze-BNPL nokuthi ungasebenzisa kanjani futhi ungasebenzisi lezi zinsizakalo ze-credit line.
Yiziphi izinhlelo zokusebenza ze-BNPL?
Izinhlelo zokusebenza ze-BNPL noma izinhlelo zokusebenza ze-Buy Now Pay Lat er zingasetshenziselwa ukuthenga noma yimuphi umkhiqizo ngaphandle kokusebenzisa imali yakho.
Kufana nokusebenzisa isevisi yekhadi lesikweletu. Inani lekhredithi likhokhwa ngezitolimende noma likhokhwa ngokugcwele ngaphambi kosuku olunqunyiwe ngumsebenzisi.
Uma iholo lakho lingaphansi komkhawulo othile, yithi Rs.20,000, noma ungumfundi, akunakwenzeka ukuthi uthole ikhadi lesikweletu. Nokho, uhlelo lokusebenza lwe-BNPL lungenza lokhu kwenzeke ngokusebenzisa isikweletu. Ngisho namabhange anikeza amakhadi okuthenga ngesikweletu azokhokhisa inzalo ngokusebenzisa le nkonzo.
Kodwa izinhlelo zokusebenza ze-BNPL zinikeza isikweletu esingenayo inzalo kubasebenzisi ngaphansi komkhawulo wesikhathi othize, ngemva kwalokho kufanele ukhokhe inzalo nezinye izindleko ezihambisanayo.
Ngakho-ke, isibonelo, uma ungakwazi ukukhokhela ingubo noma isicathulo sakho osithandayo, ungasithenga kalula usebenzisa lezi zinhlelo zokusebenza ze-BNPL manje.
Ungakwazi kalula ukulanda uhlelo lokusebenza oluncanyelwayo lwe-BNPL esitolo sohlelo lokusebenza bese ungena ngemvume kalula. Ayikho inkokhelo yokubhalisa noma imali yokubhalisa ehilelekile kulezi zinhlelo zokusebenza.
Ngaphezu kwalokho, lezi zinhlelo zokusebenza ze-BNPL zisebenza e-India nasemazweni angaphandle njengeMelika ne-Australia. Ungasebenzisa ngisho nezinhlelo zokusebenza eziningi ze-BNPL ngesikhathi.
Kodwa-ke, imali elindile usebenzisa izicelo eziningi ze-Buy Now Pay Later kungaba yingozi njengoba kulimaza kakhulu eyakho isikolo sesikweletu.
Zisebenza Kanjani Izinhlelo Zokusebenza ze-BNPL?
Izicelo ze-BNPL zisebenza kumodeli wekhomishana, lapho zenza khona inzuzo ngokuthola ikhomishini kumthengisi. Lokhu kusebenza kuphela uma uthenga umkhiqizo ngohlelo lwe-BNPL.
Isibonelo, uma uthenga umkhiqizo onenani lama-Rs. 4000, imali ekhokhelwa umdayisi ngumphathi wohlelo lokusebenza lwe-BNPL ingaba ama-Rupee angu-3850. Ama-Rupees ayi-150 asele athathwa njengekhomishini ngu-opharetha we-BNPL.
Ngale ndlela, inani lemakethe lomthengisi liyakhuphuka njengoba abantu bekhetha ukuthenga imikhiqizo besebenzisa isikweletu, nakuba kungaphezu kwamandla abo. Ngaphambilini, abantu babethenga kuphela leyo mikhiqizo ababengakwazi ukuyikhokhela.
Nokho, manje lo mkhiqizo ofanayo uthengwa abaningi njengoba bengakwazi ukubuyisela imali ngezitolimende ngosizo lwanoma yiluphi uhlelo lwe-BNPL.
Futhi, izinhlelo zokusebenza ze-BNPL zenza imali ngokuqoqa inzalo ekukhokheni sekwephuzile. Uma ukubuyiswa kwenani kubambezelekile, inhlawulo iyakhokhiswa, futhi iyanda ngokubambezeleka okulandelayo.
Ukukhokha ngokuvamile kwenziwa ngokudluliselwa ebhange, amakhadi esikweletu, amakhadi edebithi, noma ama-UPI.
Izinkinga Nezingozi Zokusebenzisa Izinhlelo Zokusebenza ze-BNPL
Inkinga enkulu ekusebenziseni lezi zinhlelo zokusebenza ze-BNPL isikweletu eseqile. Abantu bavame ukusebenzisa imali ngokuxhamazela futhi ngenxa yekhredithi elula, bachitha imali eningi kunesabelomali sabo.
Ngakho-ke, Uma ungayisebenzisi kahle insizakalo, uzokhokha izinkokhelo ezengeziwe zenzalo kanye nesikweletu. Ngaphandle kwalokhu, asikho isicelo se-BNPL esibhaliswe ngokuqondile ngaphansi kwezinkambiso ze-PPI.
Abantu abaningi emazweni angaphandle bakuthole kunzima ukukhokha izikweletu zabo esicelweni se-BNPL, futhi bagcina bethathe ezinye izimali ezibolekiwe emabhange ukuze bazikhokhe.
Inkinga lapha ukuthi lokhu kuqalisa kokuthenga Manje Khokha Kamuva akugunyaziwe ngokufanelekile futhi akulandeli imithetho yezikweletu, okuhlanganisa ukuhlola amaphuzu esikweletu nomlando wesikweletu, njengababolekisi ababhalisiwe.
Izinga lenzalo yenkokhelo ebambezelekile liphezulu kakhulu kunezindleko zenzalo ezivamile.
Lokhu kuhlanganisa ngesivinini esisheshayo, futhi isamba esiphelele siba phezulu kakhulu kunemali yangempela esetshenziswe umsebenzisi.
Ngaphezu kwalokho, uma ukhokha njalo inani ngekhadi lesikweletu futhi kungazelelwe, ungakwazi ukukhokha, isikolo sakho sesikweletu sithinteka kabi.
Lezi zinsizakalo zinikezwa abantu abangakwazi ukuthenga ikhadi lesikweletu, ngakho kufanele babe nemali engenayo ephansi kunomkhawulo ofanelekile. Kuphela uma umthombo ongaguquki wemali engenayo utholakala futhi uqiniseka ngokuyibuyisela leyo mali, kufanele usebenzise isicelo se-BNPL.
Imithethonqubo ye-RBI Kuzicelo ze-BNPL
Uma noma yiziphi izinsiza ze-credit line zihlinzekwa ngenhlangano engeyona eyebhange, ukuthola imvume kwa-RBI ukuze isebenze njengethuluzi elikhokhelwa kusengaphambili kuyisibopho. Ilayisense ye-PPI akuyena umnikazi wawo ngokuqondile walezi zinhlelo zokusebenza ze-BNPL.
Ngokubona zonke izingozi ezihilelekile, i-RBI ivimbele umkhuba wokulayisha kuqala izikhwama zedijithali ezinamaphoyinti esikweletu kanye nokusebenza kwesicelo se-BNPL.
Izinkampani ze-Non-Banking Fintech manje azikwazi ukuvumela abathengi bazo ukuthi babe nezikhwama zedijithali ngesici somugqa wesikweletu.
Nakuba ukusebenzisa izinhlelo ze-BNPL kuvula indlela yokwenza idijithali yase-India kanye nokuthuthuka komnotho uwonke, ikusasa libonakala linenkungu.
Yingakho i-RBI iqhamuke nemithetho eqinile kuma-PPI angewona amabhange evumela izikhwama zezikweletu kubathengi.
Ngaphezu kwalokho, akukho ukubikwa okufanele kwekhredithi esetshenziswe phakathi kwabantu nomabolekisi lapho kusetshenziswa isicelo se-Buy Now Pay Later.
Lokhu kuzoholela ekudidekeni kwabanye ababolekisi ababhalisiwe ngokuhlinzeka ngezinhlobo ezahlukene zemalimboleko kumthengi ofanayo.
I-RBI inezinkambiso ezithile zababhange abafanelekile noma ababolekisi ababhalisiwe ngenkathi beqoqa imali kumaboleki.
Lesi siyalo singase sephulwe lapho umthengi engayikhokhi imali kuhlelo lwe-BNPL. Bangase babhekane nokuhlukunyezwa nezindlela ezingekho emthethweni zokuqoqa isikweletu.
Ikusasa Lezinhlelo zokusebenza ze-BNPL ENdiya
Ngemva kokuqaliswa kokuvinjelwa kwalezi zinsimbi ezingezona ezebhange zokuboleka imali, izinkampani ze-BNPL zicele i-RBI ukuthi icacise. Umbuzo ukuthola indlela eyiyo yokusebenza esigabeni se-BNPL salezi zinkampani.
Ake sibone ukuthi i-RBI ikuphendula kanjani lokhu.
Kusezandleni ze-RBI kanye neziphathimandla ezifanele eziphethe ukukhuluma ngemithetho yokuba i-PPI engeyona eyebhange e-India.
Njengoba i-RBI ingaphikisani ngokuphelele nombono wezicelo ze-BNPL, ukuvinjelwa kube nomthelela ohlotsheni oluthile kuphela. I-RBI kufanele iphakamise izindlela zokuhlinzeka ngesevisi yomugqa wesikweletu yizinkampani ze-Fintech ngenye indlela.
Ngemva kokudala isethi entsha yemithetho yokunqoba ubungozi obungaba khona bezinkundla ze-BNPL, ingase ivunyelwe ukusebenza. Lokhu cishe kuzonciphisa izingozi zezindlela zokuqoqa ezingafanele.
Futhi, abantu bazobambelela emkhawulweni othile wesevisi yekhredithi.
Ngaphezu kwalokho, ngokulungisa amanani enzalo amakhulu, izinkampani ezifaka izicelo ze-Buy Now Pay Later zizokwazi ukuqhubeka ziphila. I-RBI ihlose ukudiliza kuphela ababolekisi bedijithali abangagunyaziwe.
Ngalokhu, ukuqaliswa kwezinhlelo zokusebenza ze-BNPL kungasebenza ngaphandle kwanoma yiziphi izinsongo uma benelayisensi efanele.
Ezinye izindlela ze-BNPL Apps
Kukhona ezinye izindlela eziningi ezikhiqizayo zokusebenzisa izinhlelo zokusebenza ze-BNPL. Ungakwazi eqela ngaphezulu uhlele ukuyisebenzisela ukukhokha nyanga zonke futhi ukusebenzise kamuva ngenjongo engcono.
Ungaphinda ukhethe i- I-SNPL (Yonga Manje, Khokha Kamuva) izinhlelo zokusebenza ezikuvumela ukuthi ulondoloze imali yakho ukuze uthole umgomo wesikhathi esizayo. Ngaphansi kwalokhu, awunazo izikweletu futhi usakwazi ukuhlela izimali zezidingo zakho.
Kufanele ugweme ukwenza izinqumo ezingalindelekile ngenkathi uthenga futhi ukhethe ukuhlukanisa izindleko ngokuya ngezidingo zakho, izinto ozifunayo, kanye nezifiso zakho.
Ngaphezu kwalokho, lapho udinga ukuthenga okuthile ngokushesha, ungakhetha ukuthola imalimboleko yomuntu siqu. Uma ufaneleka ukukhokha imali ebolekiwe futhi unomthombo omuhle wemali engenayo, imali mboleko izojeziswa kalula.
Ungathola nosizo oluvela kulungu lomndeni noma uzakwethu ngezimo eziphuthumayo onekhadi lesikweletu. Ngakho-ke, esikhundleni sokuwela ogibeni lwezikweletu, hamba kwenye yalezi zinketho.
Ukuthatha Kwami
Ngemva kokuqaliswa kokuvinjelwa yi-RBI, kube khona uphawu lombuzo mayelana nekusasa lezicelo ze-BNPL.
Uma ama-NBFC elandela imikhuba efanele, maningi amathuba okuthi asebenze ngempumelelo. Ikakhulukazi e-India, isinqumo se-RBI sibonakala silungile njengoba ihlela ukuqeda bonke ababolekisi abangenazo izincwadi.
Ngaphandle kwalokho, izindinganiso zokukhokha kanye nezindleko zenzalo zokukhokha okubambezelekile kufanele zihlolwe kahle ngaphambi kokusebenzisa isevisi esekelwe kusikweletu.
Ngakho-ke, kufanele uhlole ukuthi isicelo sakho se-BNPL sigunyaziwe noma cha ngenkathi usisebenzisa ngokuzayo. Ngethemba ukuthi ukwazile ukuqonda uhlobo lwesicupho lezi zinhlelo zokusebenza ze-BNPL ezisibeke kithi. Beka amazwana phansi ngolwazi lwakho ngezinhlelo zokusebenza ezinjalo.
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