Izinkokhelo zedijithali seziyingxenye ebalulekile yokuphila kwethu kwansuku zonke embulungeni yanamuhla.
Sithembele kakhulu kumanethiwekhi okukhokha edijithali ukuze senze lula imisebenzi yethu yezezimali, kusukela ekuthengeni ku-inthanethi kuya ekukhokheni izikweletu. I-LazyPay ingenye yenkundla enjalo evumela izinkokhelo ezisheshayo nezilula ngenketho yokukhokha kamuva.
Njengoba inabasebenzisi abangaphezu kwezigidi eziyisi-6, i-LazyPay isizimise njengohlelo lokusebenza oluya kubathengi abafuna izixazululo zokukhokha isikweletu ngokushesha. Ngeshwa, i-LazyPay isanda kuba nezinkinga zekhwalithi yesevisi, okwenza abantu bahlole ezinye izinketho.
I. Kungani Ufuna Izindlela Ezihlukile Ze-LazyPay?
Nakuba i-LazyPay isizitholele yona njengohlelo lokusebenza oluphezulu lokukhokha isikweletu e-India, imibiko yakamuva iphakamisa ukuthi ikhwalithi yesevisi yohlelo lokusebenza iyancipha. Eminye yemikhawulo evamile ye-LazyPay ezikhathini zamuva ihlanganisa:
- Ukususwa kwendawo yokukhokha ngekhadi lesikweletu
- Ukwesekwa kwamakhasimende okungenamsebenzi
- Izingqinamba zobuchwepheshe eziholela ekuhlulekeni kokwenziwe
- Ubambiswano lomthengisi olunomkhawulo
Ngenxa yalokho, abasebenzisi abaningi be-LazyPay bafuna ezinye izindlela ezinikeza ikhwalithi yesevisi engcono kanye nezinketho zokukhokha ezinokwethenjelwa. Ezigabeni ezilandelayo, sizohlola ezinye zezindlela ezingcono kakhulu ze-LazyPay abasebenzisi abangazicabangela ngezidingo zabo zokukhokha isikweletu.
II. Ezinye izindlela eziphezulu ze-LazyPay
1. I-Bullet Pay yi-Jupiter Edge
I-Bullet Pay ka-Jupiter Edge iyinkokhelo ye-UPI kanye nohlelo lokusebenza olukhokha kamuva olwaqala ngoNovemba 2020. Iyingxenye yohlelo lokusebenza lwe-Jupiter Money olwaziwayo, olube nokulandwa okungaphezu kuka-50 lakh ku-Google Play Isitolo. Abasebenzisi bangase bashaje kabusha amafoni abo kalula, bakhokhe izikweletu, futhi bathenge ku-inthanethi nge-Bullet Pay, futhi bangakhokha kamuva.
Uhlelo lokusebenza luhlinzeka ngendlela esheshayo yokuthenga nokukhokha ezinsukwini ezimbalwa, okulenza libe lihle kubantu abafuna ukuphatha kangcono izimali zabo. Ungasebenzisa i-Bullet Pay ezitolo eziningi eziku-inthanethi, okuhlanganisa i-Zomato nezinye izitolo eziku-inthanethi.
Ku-inthanethi noma ngokungaxhunyiwe ku-inthanethi, abasebenzisi bangathenga futhi bakhokhe ngesikweletu. Kubalulekile ukukhumbula ukuthi ukuze usebenzise lolu hlelo, abasebenzisi kufanele babe nesizotha isikolo sesikweletu, futhi ukwamukelwa kuncike ekubeni nekhredithi.
- Ikhredithi esheshayo: Thola kufikela ku- ₹10,000 wekhredithi kumaminithi.
- Umjikelezo Wokukhokhiswa: Izikweletu zithunyelwa kabili ngenyanga mhla ziyi-15 kanye nosuku lokugcina lwenyanga.
- Izikhumbuzi Ezifika Ngesikhathi: Ungalokothi uphuthelwe inkokhelo enezikhumbuzi ezifika ngesikhathi.
- Ayikho Inzalo Nezinkokhelo: Jabulela umjikelezo wokukhokha inzalo yezinsuku eziyi-15 ngaphandle kwanoma yiziphi izinkokhelo.
- I-UI encane: Kulula ukuyisebenzisa nge-interface elula futhi eqondile.
- Ukubhalisa Okusheshayo Nokulula: Bhalisa ngokushesha ngenombolo yakho yeselula kanye nemininingwane yekhadi le-PAN.
- Skena futhi Ukhokhe: Khokha kalula noma yisiphi isikweletu ngokuchofoza okumbalwa nje.
2. ZestMoney
I-Zest iyifemu ye-fintech ekhula ngokushesha eshintsha umdlalo wezezimali zabathengi eNdiya. I-Zestmoney yasungulwa ngo-2015 ngu-Lizzie Chapman, u-Priya Sharma, no-Ashish Anantharaman.
Kusukela lapho, ibinikezelwe ekuthuthukiseni izimpilo zemindeni yamaNdiya engaphezu kwezigidi ezingama-300 engakwazi ukuthola isikweletu ngenxa yokuntuleka komlando wezikweletu. Ivumela abasebenzisi ukuthi baqaphe umkhawulo wabo wesikweletu futhi baqedele i-KYC yabo kuhlelo lokusebenza.
I-ZestMoney inokulandwa okungaphezu kwesigidi esingu-1 ku-Google Play Isitolo. Ngaphezu kwalokho, itholakala ezikhungweni zezitolo ezingaphezu kuka-75,000 kanye namabhizinisi aku-inthanethi angu-15,000, enikeza abathengi amathuba ahlukahlukene. I-World Economic Forum iqambe i-ZestMoney ngokuthi i-2020 Technological Pioneer ibonga indlela yabo yokuxhasa ngezimali eyingqayizivele.
- Khokha ngokuhamba kwesikhathi ngezitolimende: I-Zest ikunikeza ukuguquguquka kokukhokhela okuthengile ngezitolimende ezi-3 ezingenanzalo. Ungaphinda ukhethe ukukhokha ngezitolimende ezingu-6, 9, noma ezingu-12, nakuba lezi zinketho ziza nezindleko ezithile.
- Sula Imigomo Nemibandela: I-Zest inemigomo nemibandela esobala, ngaphandle kwezindleko ezifihliwe noma izinkokhelo zokujoyina. Nokho, kufanele uqaphele ukuthi ukuphuthelwa yi-EMI kuzoheha inhlawulo engu-INR 250.
- Ukwemukelwa Okubanzi: I-Zest yamukelwa ezitolo ze-inthanethi ezingaphezu kuka-10,000 kanye nezitolo ezithengisa ngokomzimba ezingu-75,000, okwenza kube lula kuwe ukuthi uthenge kokubili ku-inthanethi nokungaxhunyiwe ku-inthanethi.
- Inqubo Yokugunyaza Ngokushesha: Nge-Zest, asikho isidingo sanoma yimaphi amaphepha noma ikhadi lesikweletu. Inqubo yokugunyaza enezinyathelo ezi-3 iyashesha futhi ayihluphi.
- Umkhawulo Wesikweletu Ophezulu: Ngokuya ngephrofayela yakho yesikweletu, i-Zest ikunikeza umkhawulo wesikweletu ofika ku-INR lakh amabili, ikunikeza inkululeko yokuthenga izinto ezinkulu.
3. I-Kissht
U-Kissht, phambilini owayaziwa ngokuthi i-Fastbanking, ungumnikezeli wezixazululo zokukhokha eziholwa ngesikweletu ohamba phambili wase-India. Yasungulwa ngo-2015 futhi ithembisa ukuhlinzeka amakhasimende ezweni lonke ngezimali zezikweletu ezisheshayo nezilula. Ubuchwepheshe bayo bokugcwalisa obufakwe kudijithali ngokuphelele nobuzenzakalelayo buvumela amakhasimende ukuthi athenge eziteshini eziku-inthanethi nezingokoqobo.
I-Kissht inemakethe eningi, enabalingani be-inthanethi abangu-50+ kanye nezitolo ezidayisa ukudla ezingu-3000+.
Amakhasimende angaphinda athenge kalula ngoba inkampani inikeza i-EMI esheshayo nelula ngesikhathi sokuthengisa. Inkundla ixhunywe ngokuphelele nohlelo lokusebenza oluvumela abathengi ukuthi bathumele amadokhumenti ngokwedijithali, benze izinkokhelo, futhi babuke idatha yemalimboleko.
I-Kissht ikhulisa ngokushesha ukufinyelela kwayo ukusiza abantu abaningi ukuba bathole imali yezikweletu, ngokulandwa kwezinhlelo zokusebenza ezingaphezu kwezigidi eziyi-10 kanye namakhasimende ajabule ayizigidi ezi-3.5.
- Ibanga elibanzi labathengisi: I-Kissht inikeza amakhasimende ayo inkululeko yokuzikhethela nokuthenga imikhiqizo evela kubadayisi abahlukahlukene.
- 100% inqubo yedijithali: Ihlinzeka ngenqubo yedijithali ngokuphelele kumakhasimende ayo, kusukela ekulayisheni imininingwane ye-KYC kuya ekutholeni isikweletu ngokushesha ku-akhawunti yabo yasebhange. Amakhasimende angaphinda asebenzise ikhodi ye-Kissht Credit QR ukuze amukele izinkokhelo ngaphandle komthungo noma athenge esitolo.
- Izinketho eziningi zokukhokha: I-Kissht inikeza izinketho eziningi zokukhokha kumakhasimende ayo, okwenza kube lula kubo ukubuyisela imali ebolekiwe.
- Isikhathi sokusebenzisa esivumelana nezimo: Inikeza amakhasimende ayo inkululeko yokuzikhethela isikhathi sawo sokukhokha.
- Ikhadi le-EMI le-Kissht Digital: Amakhasimende angakhetha ukuthola i-Kissht Digital EMI Card ngokukhokha imali yokucubungula engu-INR 199 + GST (okungukuthi INR 235). Uma usufanelekile futhi ngemva kokuthola ikhredithi yokuqala, imali yokucubungula ibuyiselwa kukhasimende.
4. I-PostPe
I-PostPe, ephethwe yi-BharatPe, iyisevisi yokuthenga manje ekhokha kamuva (i-BNPL) eyasungulwa ngo-2018 ngu-Ashneer Grover kanye no-Shashvat Nakrani. Inikeza umkhawulo wesikweletu ofika ku-Rs.10 lakh kanye nekhadi lesikweletu elibonakalayo ukuze uthenge, kanye nenketho yokukhokha ngekhadi le-PostPe.
Amakhasimende angaskena kalula ikhodi ye-QR futhi enze izinkokhelo esebenzisa ikhredithi ye-PostPe ezindaweni zokuthengisa. Umugqa wethegi wabo uthi “De Dena Aaram Se,” okusho ukuthi khokha ngesikhathi esivumelana nawe.
I-PostPe iphinde inikeze ithuba lokuguqula amanani asele abe ama-EMI ngesikhathi osithandayo. Ukwengeza, abasebenzisi bangabheka ukusebenzisa kwabo imali futhi bawine imbuyiselo ethokozisayo nemiklomelo. Umkhawulo wesikweletu uqala ukusuka ku- ₹ 1000 futhi umkhawulo ophezulu unqunywa ngokusekelwe emlandweni wokukhokha komsebenzisi.
- Imbuyiselo ku-Referral - Ungathola imbuyiselo efika ku-5% ngokuthumela umngane ukuthi asebenzise uhlelo lokusebenza.
- Ukukhokha Okuguquguqukayo I-Tenure - I-PostPe inikeza isikhathi sokukhokha phakathi kwezinyanga ezintathu neziyisithupha. Ungakhetha noma isiphi isikhathi sokuhlala ngokuya ngekhono lakho lokusisula.
- Ukukhokha ku-inthanethi nokungaxhunyiwe ku-inthanethi - Ungasebenzisa i-PostPe ukwenza izinkokhelo kokubili ku-inthanethi futhi ungaxhunyiwe ku-inthanethi, ngaphandle kwezindleko.
- Amakhadi Omuntu siqu - Nge-PostPe, uthola ikhadi eliqondene nawe kanye nekhadi lesikweletu elingokoqobo elingasetshenziswa ukuthenga izinto ezihlukahlukene, kusukela ezimpahleni zansuku zonke kuya ezintweni eziphambili.
- Imibhalo Encane - Isici se-Thenga Manje Khokha Kamuva se-PostPe sinezidingo ezincane zemibhalo, okwenza kube lula ukuthola amakhredithi ngemizuzwana embalwa. Imibandela yokufaneleka ihlanganisa ukuba ngaphezu kweminyaka engama-21 ubudala nokuthola iholo elivamile.
- Ukukhokhwa Kwenkokhelo - Ekuqaleni kwenyanga ngayinye, kukhiqizwa ibhili. Unezinsuku ezinhlanu zokuyibuyisela noma ukuyiguqulela ku-EMI.
- Ideshibhodi Eqondene nomuntu - Ngohlelo lokusebenza lwe-PostPe, uthola ideshibhodi yomuntu siqu lapho ungabuka khona ukuthengiselana kwakho kwakamuva, umkhawulo wesikweletu otholakalayo, imbuyiselo etholiwe, neminye imininingwane.
- Ukudluliswa Kwemali Elula - Ungathumela kalula imali kubangani bakho noma uthumele imali kweyakho i-akhawunti yasebhange ngokumane uskene ikhodi.
5. I-Flipkart Khokha Kamuva
I-Flipkart Pay Later iyindlela yokukhokha eyethulwa yi-Flipkart ngo-2017 ukuze kwenziwe inqubo yokuphuma ibe lula kumakhasimende. Amakhasimende angasebenzisa le nketho ukuze athenge futhi akukhokhele ngaphandle kokuthola izinkokhelo ezengeziwe ngaphambi komhla wesihlanu wenyanga elandelayo. Futhi, amakhasimende anenketho yokuqoqa izinkokhelo zawo ndawonye ukuze enze umsebenzi owodwa omkhulu.
I-Flipkart Pay Later inikeza imikhawulo yekhredithi efika kuma-Rs. 1 lakh, futhi inqubo yokwenza kusebenze iqondile, idinga kuphela okokufaka kwedatha ye-PAN ne-Aadhaar, ukuqinisekiswa kwe-OTP, nokuqinisekiswa kwe-akhawunti yasebhange. Amakhasimende angakhetha le nketho ukuze athole izinketho zokukhokha ezivumelana nezimo, ezisusa ukukhathazeka ekwenzeni izinkokhelo ngesikhathi sokukhokha.
Abathengi abaningi manje bathola ukuthenga kulula kakhulu ngenxa ye-Flipkart Pay Later, inketho yokukhokha ethandwa kakhulu kuwebhusayithi.
- Khokha Izikweletu: Nge-Flipkart Pay Later, ungakwazi ukukhokha kalula izikweletu zakho zesevisi, izikweletu ezikhokhwe ngemuva, nezinye izikweletu ngokukhetha inketho ethi Khokha ngokuhamba kwesikhathi ngesikhathi sokuphuma. Ungakhokha inani elincane noma ungabi nalo bese usula ibhalansi ngaphambi komhla zi-5 enyangeni ezayo ngaphandle kwezindleko ezengeziwe.
- Azikho Izindleko Ezingeziwe: I-Flipkart Pay Later ikuvumela ukuthi uthenge manje futhi ukhokhe kamuva ngaphandle kwezindleko ezengeziwe. Ungakwazi ukujabulela imikhiqizo oyithengayo bese usula izimali ozikhokhile ngaphambi kosuku olumisiwe.
- Izinketho ze-EMI: I-Flipkart Pay Later inikeza izinketho ze-EMI ezinenzalo engaba ngu-22-24% ngonyaka.
- Izinketho Zokukhokha: Ungasebenzisa i-Flipkart Pay Later nazo zonke izinketho zokukhokha ngaphandle kwe-Cash on Delivery (COD), njenge-UPI, ikhadi lesikweletu, ikhadi ledebhithi, i-net banking, nezikhwama zemali.
- Itholakala Ezinkundleni Eziningi: I-Flipkart Pay Later iyatholakala ku-Flipkart, Myntra, Shopsy, kanye ne-PhonePe.
- Izindleko Zokusetshenziswa: Izindleko zokusetshenziswa ze-Rs. 15 izokhokhiswa amanani angaphezu kwama-Rs. 10,000.
- Umkhawulo Wesikweletu: Umkhawulo wakho wesikweletu se-Flipkart Pay Later uqala ku-Rs. 5,000, okungase kwenyuke noma kwehle ngokusekelwe ekuthengeni kwakho nasekuziphatheni kokukhokha ngezikhathi ezithile.
6. Imali E
I-CashE yinkampani ye-fintech eyasungulwa ngo-2016 ngu-V. Raman Kumar enikeza isikweletu esisheshayo ochwepheshe abasebasha abaholayo. Ngeqembu labantu abangu-170 nokulandwa kwezinhlelo zokusebenza ezingaphezu kwezigidi ezingu-7, i-CashE ikhiphe imalimboleko ebiza ngaphezu kuka-2000Cr. Inkampani isebenza eMumbai naseHyderabad, futhi izimali ngokuvamile zihlinzekwa ngabatshalizimali abazimele.
Esinye sezici eziyingqayizivele ze-CashE indawo yayo yomugqa wesikweletu osheshayo, ovumela abasebenzisi ukuthi baboleke imali efika ku- ₹ 2 lacs. Inzalo ikhokhiswa kuphela emalini esetshenzisiwe hhayi kumkhawulo ovunyelwe usuwonke. Lokhu kukwenza kube inketho evumelana nezimo futhi elula kulabo abadinga ukufinyelela okusheshayo ezimalini.
Nge-CashE, ochwepheshe abasebasha bangakwazi ukufinyelela esikweletini ngaphandle kokudlulela enqubweni evamile yasebhange, okuyenza ibe inketho ekhangayo kulabo abafuna ukugwema ubunzima bokubhala imibhalo emide nezikhathi zokulinda.
- Izikweletu Ze-BNPL Eziningi: Khetha ukubolekwa okuningi kwe-Buy Now Pay Later (BNPL) ukuze uxhase ukuthenga kwakho.
- Umugqa Wesikweletu: Boleka futhi ubuyisele imali ngokuphindaphindiwe ngaphandle kokufaka isicelo semalimboleko entsha.
- Isicelo Esilula kanye Nokukhishwa Kwemali Esheshayo: Isicelo esiku-inthanethi esingenazinkinga kanye nokukhishwa kwezimali ngokushesha.
- Ukufaneleka Okuphezulu Kwemalimboleko: Boleka kufika ku-500% womholo wakho wanyanga zonke.
- Inkokhelo Yokucubungula: Inkokhelo encane yokucubungula engu- ₹500 noma engu-1% yenani lesikweletu, kuye ngokuthi yikuphi okuphezulu.
- Isikhathi Semalimboleko: Khokha imali mboleko ubuncane bezinyanga ezi-3 futhi kufike eminyakeni eyi-1.5.
- Izinga Lenzalo: 2.5% ngonyaka isikhathi esingangonyaka esinenhlawulo engu-0.1% ngosuku ngezinkokhelo ezibambezelekile ze-EMI.
- Ukufaneleka Kweholo Elincane: Ifinyeleleka kochwepheshe abaholayo abahola ubuncane be- ₹15,000 inethi ngenyanga.
- Umkhawulo Wesikweletu Ozibekele wona: Zibekele owakho umkhawulo wesikweletu ngokwamandla akho okuphatha imali kangcono.
7. Khokha Kamuva Kalula
I-Simpl iyifemu ye-fintech ese-Bangalore eyasungulwa ngokuhlanganyela i-Nityanand Sharma ehlinzeka ngenkundla egcwele, yokuqala yeselula yokukhokha okusekelwe kusikweletu. Ithole ukuthandwa ngokushesha phakathi kwabasebenzisi ngenxa yedizayini yayo esebenziseka kalula kanye nemithetho eqondile, futhi manje inabasebenzisi bomhlaba wonke abayizigidi ezingu-7.
Inhloso yenkampani ukwenza lula inqubo yokukhokha kubo bobabili amakhasimende nabathengisi. Ihlose ukususa isidingo sezindunduma zamaphepha nezindleko ezifihliwe.
Iqembu le-Simpl lisabalele emazweni amathathu. Lokhu kuqinisekisa ukuthi izinsizakalo zayo zifinyeleleka emhlabeni wonke. Njengesiqalo se-fintech, i-Simpl ihlala isungula futhi ithuthukisa inkundla yayo ukuze inikeze ulwazi olungcono kakhulu kumakhasimende, ikwenze kube ibhizinisi elihehayo ukulandela emhlabeni wezezimali nobuchwepheshe.
- Ukuphuma ngokuthepha okukodwa: I-Simpl iletha ukusebenziseka kwe-khata ku-inthanethi, okukuvumela ukuthi uhlole ngokuthepha okukodwa nje bese ukhokha kamuva.
- Ixhumeke ku-26,000+ ezitolo ze-inthanethi: I-Simpl ixhumeke ezitolo eziku-inthanethi ezingaphezu kuka-26,000, okwenza kube lula ukusebenzisa uhlelo lokusebenza ukuze uthenge kubadayisi abahlukahlukene.
- Sula ibhalansi elula njalo ezinsukwini eziyi-15: Nge-Simpl, ungakwazi ukusula kalula ibhalansi yakho njalo ezinsukwini eziyi-15 ngohlelo lokusebenza, ukuze ungalokothi ukhathazeke ngokuphuthelwa yinkokhelo.
- Ukwenza ibhajethi okungenamandla: I-Simpl yenza kube lula ukulandelela izindleko zakho zenyanga nesabelomali ngempumelelo, ukuze uhlale wazi ngezimali zakho.
- Khokha izikweletu zezinsiza futhi ushaje ama-akhawunti: Ungakwazi ukukhokha izikweletu zakho zezinsiza (ezifana namanzi, igesi, nezikweletu zezintambo zasendlini) futhi ushaje ama-akhawunti akho ngokuthepha okukodwa nje, konke ngaphakathi kohlelo lokusebenza olulula.
- Awekho amaphuzu esikweletu adingekayo: I-Simpl isebenzisa amamodeli ayo omshini wokufunda ukuze iqonde amakhasimende futhi ibeke imikhawulo yokusebenzisa, ngakho-ke asikho isidingo somphumela wesikweletu.
- Umkhawulo wokusebenzisa ovuselelwa njalo: Umkhawulo wakho wokusebenzisa imali ekuqaleni umiswa ngokuzenzakalela, kodwa ubuyekezwa ngokuqhubekayo ngokusekelwe ezicini ezifana nemikhuba yakho yokuchitha kanye namandla ephrofayela yakho.
- Izinkokhelo nezinqubomgomo ezisobala: I-Simpl ayinazo izimali ezifihliwe noma inqwaba yamaphepha, futhi yonke into kusukela ezikweletini kuya ekubuyiselweni kwemali isobala.
- Ukuvikelwa komthengi: I-Simple inikeza ukuvikelwa komthengi ukukusiza ukuthi uthenge ngokuzethemba.
8. I-Paytm Postpaid
I-Paytm Postpaid iyindawo edumile ethi Thenga Manje, Khokha Kamuva eyethulwa ngo-2019. Yasungulwa ozakwethu be-Paytm be-NBFC, i-Aditya Birla Finance Limited kanye ne-Fullerton India Credit Company Limited. Ekuqaleni, yayinikeza izinsizakalo ezintathu, kodwa manje ezimbili kuphela - i-Lite ne-Delite.
Ulayini wesikweletu ungasetshenziselwa ukuthenga ku-inthanethi/ungaxhunyiwe ku-inthanethi kumawebhusayithi nabathengisi abangu-1 crore+. Inqubo yokugibela kuhlelo lokusebenza lwe-Paytm ithatha imizuzu emi-2 nje.
Ukuze bafaneleke, abasebenzisi kufanele okungenani babe neminyaka engu-20 ubudala futhi babe nenombolo evumelekile ye-PAN. Ukufaneleka kwesevisi ekuqaleni iminyaka emi-2, kodwa izovuselelwa ngokuzenzakalelayo. I-Paytm Postpaid iyindlela elula yokukhokhela ukuthenga ngaphandle kwesidingo senkokhelo esheshayo, futhi ingasiza abasebenzisi ukuphatha izimali zabo ngempumelelo kakhudlwana.
- Ikhredithi esheshayo: Abasebenzisi bangathola ikhredithi esheshayo efika ku-Rs. 60,000 kuze kufike ezinsukwini ezingu-30 zesikhathi esingenayo inzalo. Lokhu kuvumela ukuguquguquka okukhulu ekuphatheni izimali.
- Izinketho zokukhokha: Abasebenzisi bangakhokha imali yabo ye-Postpaid nganoma yisiphi isikhathi ngokuvakashela ingxenye yohlelo lokusebenza lwe-Paytm Postpaid. Ungasebenzisa i-UPI, iDebit Card, noma i-Net Banking ukuze ukhokhe. Lokhu kusho ukuthi abasebenzisi bangaphatha kalula izindleko zabo kanye nezinkokhelo ngendlela engenazinkinga.
- Imali Elula: I-Paytm Postpaid ikhokhisa imali yokunethezeka engu-0% - 3%, uma ikhona. Le nkokhelo ikhokhiswa kuphela izigaba ezithile ezifana nokukhokhela indawo yokuhlala futhi iboniswa ngesikhathi sokuthenga. Kodwa-ke, ayikho imali ekhokhiswayo ngokusebenzisa indawo yesikweletu kwezinye izinkokhelo.
- Inkokhelo Kamuva: Abasebenzisi kufanele baqinisekise ukukhokha ngesikhathi ukuze bagweme izinkokhelo sekwephuzile. Ngokuya ngenani elifunekayo, imali ekhokhwa sekwephuzile ingasukela ku-0 iye ku-Rs. 750 kanye ne-GST.
- Ukukhokha ube ngaphambili: Abasebenzisi bangaphinda bakhokhe ibhalansi yabo esalele kusengaphambili nganoma yisiphi isikhathi phakathi nenyanga, okubanikeza ukulawula okukhulu kwezimali zabo.
- Ama-EMIs: I-Paytm Postpaid inikeza inketho yokuguqula izimali ezikhokhwayo zibe ama-EMI abiza inzalo engu-2%+ GST ngenyanga. Lesi sici siwusizo ikakhulukazi kulabo abanesikolo esiphansi se-CIBIL, njengoba kungesona imfuneko yokusebenzisa i-Paytm Postpaid.
9. Khokha kamuva
Ngo-2015, u-Aurko Bhattacharya, Akshat Saxena, kanye no-Uday Somayajula badale i-EpayLater njengesixazululo sokukhokha esihlehlisiwe. Inikeza inketho yokukhokha eqondile, ecacile, nengashintshi yazo zonke izinhlobo zokuthenga. Amakhasimende angase ajabulele isikhathi sesikweletu esingenayo inzalo sezinsuku ezingu-7 noma ezingu-14, okukwenze kube ukukhetha okukhangayo ezinkampanini ezincane ezifuna ulayini osheshayo wesikweletu ukuze zivale ukushoda kwemali esebenzayo.
Ukuze kuvikelwe ubumfihlo bolwazi lwabasebenzisi bayo, i-Epay Later iphakamisa izinga eliphezulu lokuphepha. Wonke umuntu angase ayisebenzise njengendlela yokukhokha elula ngenxa yokuthi itholakala kuwo wonke amashaneli, ngokomzimba nangokwedijithali. I-Epay Later inikeza isikweletu esiqondile, esivulekile, nesingabizi, okungenye yezici zayo eziyinhloko.
Udinga kuphela ukujoyina futhi wenze imisebenzi kunoma iyiphi isayithi yomthengisi ozakwethu ukuze uqedele inqubo yokufaka isicelo sekhredithi.
- Ikhredithi efika ezinsukwini eziyi-14: I-ePayLater inikeza isixazululo sokukhokha esihlehlisiwe esinesikhathi sesikweletu esingenayo inzalo esingafika ezinsukwini eziyi-14. Ivumela abasebenzisi ukuthi bathenge ngaphandle kokukhokha kusengaphambili.
- Inqubo yokubhalisa elula: Ukubhalisela i-ePayLater kuyashesha futhi kulula. Uma usubhalisile, ungakwazi ukuhwebelana kunoma iyiphi iphothali yomthengisi kazakwethu ngaphandle kokuthi ungene ngemvume kuwebhusayithi.
- Ukuhlanganiswa komthengisi okuqondile: I-ePayLater inokuhlanganiswa okuqondile nabathengisi. Lokhu kusiza ukwenza kube lula ukuphuma ngokushesha ngaphandle kokugcina amaleja okubuyisela/ukukhansela.
- Umkhawulo wesikweletu oguquguqukayo: Umkhawulo wesikweletu uqala ku-Rs. 25,000 futhi ingakhuphukela ku-Rs. 25 lakhs, ihlinzeka abasebenzisi ngokuguquguquka kokuphatha kwabo ukungena kwemali ngokwezidingo zabo zebhizinisi.
- Azikho izinkokhelo zokucubungula: Azikho izindleko zokucubungula ezikhokhiswayo ngokufaka isicelo se-ePayLater.
- Izimali zokukhokha sekwephuzile: Esimeni lapho ibhalansi itholakala inganele uma kuzanywa ukudonswa kwemali, kuba khona inkokhiso sekwephuzile/yokweqa engu-Rs. 500. I-GST iyasebenza ezindlekweni zokukhokha sekwephuzile.
- Ukudonswa kwemali okuzenzakalelayo: Izimali ezikhokhwayo ze-ePayLater zidonswa ngokuzenzakalelayo ku-akhawunti yakho yokonga yasebhange exhunyiwe. Ngakho, udinga ukugcina ibhalansi eyanele ngosuku lomnqamulajuqu ku-akhawunti yokonga exhunyiwe. Ukwengeza, ungakwazi ukukhokha izinkokhelo zakho usebenzisa imodi yokukhokha ye-NEFT noma ye-UPI ku-akhawunti yakho yokonga uma kwenzeka kuba khona noma yiziphi izinkokhelo ezikhokhwayo.
III. Isiphetho
Ngemva kokuhlola ezinye zezindlela ezingcono kakhulu ze-LazyPay, kuyacaca ukuthi kunezinketho ezimbalwa “zokuthenga manje, ukhokhe kamuva” ezitholakala kubathengi baseNdiya. Nakuba uhlelo lokusebenza ngalunye lunesethi yalo yezinzuzo nezithiyo, i-Simpl ivela njengenketho ephezulu kulabo abafuna okuhlangenwe nakho okungenazinkinga.
Esinye sezici ezivelele ze-Simpl ukubuyisela imali kanye nohlelo lokuklomelisa. Iyenza ihluke kwezinye izinhlelo zokusebenza kulesi sikhala. Ukwengeza, uhlelo lokusebenza lunyusa ngokuzenzakalela umkhawulo wesikweletu wabasebenzisi abafanelekile okulenza libe inketho ekhangayo kulabo abanezidingo zezimali ezishintshayo.
Enye inzuzo enkulu ye-Simpl inqubomgomo yayo yezindleko ze-zero-interest kanye ne-zero-processing. Lokhu kusho ukuthi abasebenzisi bangakwazi ukuthenga ngaphandle kokukhathazeka nganoma yiziphi izindleko ezifihliwe.
Yize umjikelezo wokukhokha we-Simpl wezinsuku eziyi-15 ungaba yimbuyiselo kwabanye, kunzima ukuthola noma imaphi amaphutha amakhulu kulolu hlelo lokusebenza olusebenziseka kalula futhi olungabizi. Sekukonke, i-Simpl iyisinqumo esihle kunoma ngubani ofuna inketho elula nesobala "yokuthenga manje, ukhokhe kamuva" eNdiya.
shiya impendulo