I-Fi.Money noma ebizwa ngokuthi i-Fi ingenye ye-Neobanks yokuqala eyethulwe eNdiya.
I-akhawunti yasebhange yedijithali eza nenqwaba yezici zesimanje ezakhelwe kuphela abasebenzisi beminyaka eyinkulungwane nabasebenzisi beGeneration Z.
Bengilokhu ngihlola uhlelo lokusebenza lwe-Fi Neobank cishe amaviki angu-2 manje.
Futhi nasi isibuyekezo sami esigcwele se-Fi.Money. Kulesi sihloko, uzothola konke odinga ukukwazi mayelana ne-Fi futhi uma kufanele uqale ukusebenzisa uhlelo lwabo lwebhange.
Iyini i-Fi.Money?
I-Fi iyi-neobank, okusho ukuthi ngeke uthole igatsha layo eliphathekayo ongangena kulo. Kuyinto yedijithali ngokuphelele.
Ukuba yi-Neobank kusho nokuthi i-Fi ngokwayo ayilona ibhange.
I-Fi ibambisene ne-Federal Bank futhi isebenzisa ingqalasizinda yayo ukuze inikeze izinsizakalo zezezimali.
I-Federal Bank yilapho imali yakho ifakwa futhi ilawulwa. I-Fi ingumxhumanisi phakathi kwakho ne-Federal Bank, ikunikeza inkundla engcono kakhulu kune-Federal Bank.
Njengoba i-Fi ingelona ibhange ngokwalo, bangenza ulwazi lwasebhange lwedijithali lube bushelelezi ngangokunokwenzeka ngaphandle kokukhathazeka ngemithetho nezindleko ezihlukahlukene.
Lokhu, nokho, akusho ukuthi abavikelekile njengamabhange endabuko. I-Fi isebenzisa ukuphepha okufanayo kwebanga lasebhange kumakhasimende abo. Imilayezo yakho ibethelwe, okwenziwayo kuvikelwa i-OTP, futhi uthola ukusebenzisa i-UPI kanye ne-akhawunti yakho ye-Fi. I-Federal Bank iphinde inike amandla ukuthengiselana kwe-UPI ngohlelo lokusebenza lwe-Fi.
Uthola zonke izici ozitholayo ngamabhange endabuko ngaphandle kokuba khona ngokomzimba. Awekho amagatsha nabaphathi abangahlangana mathupha. Kwabanye, lokhu kuwukuphula isivumelwano, njengobaba. Kodwa kithi, isizukulwane sedijithali, sikhetha ukungavakashi amabhange.
Futhi asikho isidingo sokuvakashela ibhange nganoma yini. Ngakho ukukhetha i-akhawunti yasebhange ku-Neobank efana ne-Fi kungase kube indlela engcono yokuya ebhange.
Ake sibheke ukuthi i-Fi inganikela ngani.
Isebenza kanjani i-Fi.Money?
I-Fi ikunikeza i-akhawunti yokonga yedijithali. Ayikho inketho yokuthola i-akhawunti yamanje kusukela manje.
I-akhawunti yokulondoloza ibhalansi eyiziro.
I-akhawunti yakho yokonga ivulwa e-Federal Bank. Ngakho-ke uma usuvele unayo i-akhawunti yokonga ye-Federal Bank, uzodinga i-Re-KYC ukuze uvule i-akhawunti yokonga ye-Fi.
Imali yakho ku-akhawunti yakho yokonga ye-Fi ikutholela inzalo efanayo naleyo enikezwa yi-Federal Bank nganoma yisiphi isikhathi nesikhathi. Kusukela manje, kungu-2% ngonyaka.
Ungafaka imali ku-akhawunti yakho yokonga ye-Fi usebenzisa i-UPI, NEFT/RTGS/IMPS noma ibhange nge-inthanethi. Uthola ikhadi ledebithi, inketho yokuvula amadiphozithi angashintshi kanye namadiphozithi amancane ahlakaniphile ukuze uthole imigomo ethile ekuphileni. Uthola ibhuku lokuhlola, inketho ye-Demand Draft, izitatimende ezibonakalayo lapho kudingeka, nokuningi.
Inqubo yokuvula i-akhawunti idijithali ngokugcwele. Kufanele uthumele umazisi, ikheli kanye ne-ID yentela futhi wenze ividiyo ye-KYC ukuze uthole ukonga okungenamkhawulo ku-akhawunti ye-Fi.
I-Fi isebenza njengebhange elivamile ngawo wonke umqondo ngaphandle kokuba khona ngokomzimba. Awukho umehluko omningi phakathi kwe-akhawunti yakho yasebhange evamile kanye ne-Fi yamukela izinto ezimbili:
- I-Fi ayilona ibhange ngokwalo. Ngakho-ke akukho sibopho sanoma yini mayelana nemali yakho. Ibhange elinguzakwethu, okuyi-Federal Bank kulokhu lilawula imali yakho.
- Awukwazi ukujabulela izici ezithile ezifana namaLokha, Idiphozithi Yemali, nosizo lwekhasimende Ngaphakathi Komuntu.
I-Fi iza nezinto eziningi. Ngaphezu kwanoma iyiphi enye i-Neobank okufanele ikunikeze ngalo mzuzu.
Ake sibheke isici ngasinye i-Fi eza naso nokuthi ingakusiza kanjani ukuthi wonge futhi uthole okwengeziwe kulokho okwenzayo ebhange.
Fi Gcina - Idiphozithi Ehlakaniphile
Ama-Smart Deposits a indlela yokonga imali ngezinhloso ezithile kanye nezikhathi ongase uzihlele. Isibonelo, ukonga imali yokuthenga isipho esisha ku-Diwali noma into enjalo. Mhlawumbe isikhala.
I-Fi ikuvumela ukuthi ukhethe kwamanye amadiphozithi ahlakaniphile adalwe ngaphambilini (imigomo emisha yengezwa ngezikhathi ezithile). Noma ungakha entsha, futhi ulungise inani legoli, uhlaka lwesikhathi nezinga lenzalo.
Lena akuyona idiphozithi egxilile noma idiphozithi ephindelelayo. Ungangeza noma ukhiphe imali ku-akhawunti yakho yediphozithi ehlakaniphile noma nini lapho uthanda.
Imithetho ye-FIT yediphozithi ehlakaniphile
I-Fi futhi inesici esibizwa ngemithetho ye-FIT.
Yenzani ngempela imithetho ye-FIT?
Usebenzisa imithetho ye-FIT, ungachaza ngokuzenzakalelayo izenzo ezithile ngaphakathi kwe-akhawunti yakho ye-Fi. Njengokufaka i-INR 1000 njalo ngoMsombuluko ngokuzenzakalelayo ku-akhawunti yediphozithi ehlakaniphile oyikhethayo.
Kukhona nemithetho ye-FIT yesizini ejabulisayo, njengokuthi “Lapho u-Ronaldo eshaya igoli, beka eceleni u-INR 200”. Yiqiniso, ungakwazi ukwenza ngokwezifiso lo mthetho, futhi ushintshe uRonaldo komunye umuntu, futhi ushintshe inani ozolibeka eceleni.
Okwenziwayo kungase kuqalise nemithetho yokulingana. Umthetho owodwa we-FIT uzoba “Beka eceleni i-INR 10 noma nini lapho u-oda okuthile e-Amazon”.
Le mithetho emincane izokusiza ukuthi wonge imali futhi ukhulise i-akhawunti yokulondoloza imali kancane kancane.
Inzuzo yokuba ne-automation enjalo awudingi ukufaka imali ku-akhawunti yediphozithi ehlakaniphile, ukuze ubuvila noma ukukhohlwa ngeke kukuthinte. Iwuketshezi, ukuze ukhululeke. Izimali zakho azinqunywanga nganoma iyiphi indlela.
I-Fi Money Plant - Uhlelo Lomvuzo
Enye yezinto ezikhanga kakhulu uNeobank anazo imivuzo. Amabhange afana ne-SBI, i-HDFC, noma i-Kotak, ethi yakhelwe isizukulwane samanje, awakuvuzi ukubhanga ngawo kakhulu nangendlela eyenza ikhasimende lijabule.
I-Neobanks efana ne-Fi, yenza ngokuhlukile.
I-Fi inesistimu yokuklomelisa lapho uzuza khona ama-Fi Coins ngemisebenzi ethile lapho uqala ukubhalisa bese wonga imali yakho.
Yilokhu engikuthandayo mathupha nge-Fi. Ngokungafani Jupiter, enye i-Neobank, ekuvuza ngokusebenzisa imali, i-Fi ikuvuza ngemikhuba emihle yezezimali njengokulondoloza imali yakho.
Imivuzo iza ngendlela yemboni yemali. Okukhula lapho uchofoza kuzo futhi uthole umvuzo ngezinhlamvu zemali ze-Fi.
Ungasebenzisa lezi zinhlamvu zemali ze-Fi njengamavawusha amawebhusayithi ahlukahlukene okuthenga ku-inthanethi njenge-Amazon. Futhi uzuza imiklomelo engukheshi kuye ngokuthi okunikezwayo kwamanje kuqhutshwa i-Fi noma kunini.
Kunokunikezwa okuningi kwesizini okuza nethuba lokuzuza kokubili amaphoyinti e-Fi nemiklomelo yemali.
Idiphozithi Elungisiwe
Ingabe ufuna ukubeka imali ukuze ungayisebenzisi ezintweni ongazidingi? I-Fi iphinde inikeze ama-Fixed Deposits.
Njenge-akhawunti yakho yokonga, lokhu nakho kulawulwa futhi kulawulwa yi-Federal Bank.
Lawa ma-FD awayisicefe futhi. Ungenza ngendlela oyifisayo igama lediphozithi yakho egxilile ukuze lifane nomgomo wakho futhi uhoxise noma nini lapho uthanda. Ngaphandle kwanoma yimaphi amacala noma izinhlawulo.
Izinga lenzalo kulawa ma-FD lisukela ku-2.50% liye ku-5.60%. Ngokuya ngesikhathi se-FD yakho (unyaka ongu-1 kuye kweyi-10), lawo mazinga enzalo azohluka.
Njengenhlalayenza, sebenzisa lawa ma-FD ukuvimba imali ofisa ukuyisebenzisa kokuthile okubalulekile esikhathini esizayo. Hhayi njengethuluzi lokutshala imali elidala ingcebo. Ngokubona kwami, ungayifaki imali yakho ku-FD nhlobo, ngaphandle uma ingeyokugcina intela noma eyokuqala uvikeleke. credit card ukulungisa noma ukwakha isikolo sakho sesikweletu.
Izinzuzo zekhadi le-Fi Debit
Lokhu kuyinto engiyijabulela kakhulu. I-FI ayikhokhisi imali yemakethe ye-forex kumisebenzi yamazwe ngamazwe. Ungasebenzisa ikhadi lakho le-Fi kulokho okubhaliselwe kwe-USD ngaphandle kokukhokha izindleko ezengeziwe.
Uma usebenzisa u-$300+ njalo ngenyanga, uzokonga kakhulu uma ungenazo izindleko zokumaka i-forex. Ngokuvamile kuba ngu-3.5%.
Futhi, okunikezwayo okusebenzayo kumakhadi edebithi e-Federal Bank nawo ayatholakala kubanikazi bamakhadi edebhithi bakwa-Fi. Qaphela ukuthi ikhadi ledebithi le-Jupiter alizi nokunikezwayo okufanayo nezinzuzo.
Ikhadi lasebhange le-Fi liza nezinye izinzuzo ze-VISA. Kubandakanya i-PayWave.
Ungalungisa umkhawulo wokwenziwe, umise ikhadi, noma uvimbele ikhadi unomphela ngokuchofoza okukodwa. Ikhadi ledebithi liza mahhala ne-akhawunti yakho yokonga ye-Fi futhi uma ikulahlekele, uzothola enye mahhala. Azikho izindleko zokukhishwa kabusha kwekhadi okokuqala ngqa.
I-Fi iphinde inikeze okunikezwayo okukhethiwe ngokukhethekile kumakhadi ayo edebithi. Ungathola izaphulelo kumapulatifomu ehlukene e-inthanethi we-e-commerce nezinsizakalo ngokusebenzisa okunikezwayo okukhethekile kwe-Fi. Lokhu kuhlukene futhi akukhawulelwe ezinhlinzekweni ze-Federal Bank.
Umsizi we-Smart
Ngomsizi ohlakaniphile we-Fi uthola ukuqonda okujulile ngomsebenzi wakho wezezimali.
Isebenza kanjani?
I-Fi izoxhuma ne-akhawunti yakho ye-Gmail futhi iskene ama-imeyili akho ahlobene ne-e-commerce nokunye okwenziwayo ku-inthanethi. Ngokwenza kanjalo, kuvumela i-Fi ukuthi iveze imiphumela yosesho yemibuzo efana nokuthi “Ngichithe malini ku-Amazon”?
Ukubuza nje ukuthi "Ama-Amazon Spends" nawo angasebenza:
Ngisebenzisa i-akhawunti ehlukile emisebenzini yezezimali nokuthenga. Ngakho mina ukuxhuma i-akhawunti yami ye-Gmail ne-Fi akubeki ulwazi lwami oluyimfihlo engcupheni. Udinga ukwenza isiqiniseko sokuthi awuxhumi i-akhawunti yakho ye-Gmail yomsebenzi noma yebhizinisi nganoma yiluphi uhlelo lokusebenza ngaphandle kwalapho uqiniseka ngokugcwele kulo.
Lo msizi ohlakaniphile uzophinde akubonise noma yikuphi okubhaliselwe okusebenzayo, izikweletu, izindleko ezizayo, nokuningi.
Ingabe Kufanele Ukuvulele I-Akhawunti Yokulondoloza Ye-Fi?
Lona umbuzo obalulekile, ikakhulukazi uma ucabangela enye i-neobank ene-Federal Bank njengozakwethu. NjengeJupiter.
Uma usuvule i-akhawunti nge-Fi, awukwazi ukuvula i-akhawunti nge-Jupiter ngaphandle kokwenza kabusha i-KYC ne-Federal Bank.
Ngikale i-Fi njenge- #1 neobank ohlwini lwami.
Ngiyithola ingcono kakhulu kune-Jupiter mayelana ne-UI, izici nezinzuzo zasebhange.
Nokho, ithimba losekelo le-Fi lihamba kancane. Ihamba kancane kakhulu uma iqhathaniswa neJupiter, esenenkundla yayo yomphakathi.
Udinga ukukhomba ukuthi yini eyephula isivumelwano sakho. Uma ingewona usekelo, i-Fi iyi-neobank enhle futhi ungancamela ukuvula i-akhawunti yakho yokonga nabo.
Uma ufuna ulwazi oluhle lwasebhange, umsizi we-AI ohlakaniphile ukuze uthole ngokushesha okwenziwayo, izikweletu, nolunye ulwazi oludingayo, nolwazi olushelelayo lwangaphakathi nohlelo, kufanele nakanjani zama i-Fi.
Ingabe uyayisebenzisa i-Fi?
Ngazise ukuthi ulwazi lwakho belunjani nanoma yimiphi imibuzo emazwaneni.
Abirata Chaliha
Sengiqalile ukusebenzisa i-Fi – uhlelo lokusebenza lwebhange oluhlakaniphile olungisiza ukuthi ngilondoloze futhi ngikhulise imali yami. Ngiyithanda iyonke!