I-Wallet njengeNsizakalo, evame ukufushaniswa ngokuthi i-WaaS, iwumqondo olula onemiphumela eminingi. Umhlinzeki uqhuba injini ye-wallet (i-ledger, imikhawulo, inethiwekhi yama-ejenti, ukuxhumana kwezinkokhelo nama-app) bese wena uqhuba ibhizinisi phezu kwayo, ngaphansi kophawu lwakho, ilayisensi yakho namanani akho. Amakhasimende abona igama lakho. Abalawuli babona ilayisensi yakho. Injini engaphansi iyabelwana, ihloliwe, futhi inakekelwa ngumuntu omsebenzi wakhe kuphela ukuyigcina inembile.
Lo mhlahlandlela uchaza ukuthi i-WaaS ihlanganisa ini, ifanela obani, yehluke kanjani esangweni lokukhokha noma ku-API yebhange, nokuthi ukwethulwa kubukeka kanjani isonto nesonto.
Lokho «insizakalo» ekumbozayo ngempela
I-wallet akuwona umkhiqizo owodwa; yizinhlelo eziningi okufanele zivumelane kuze kube isenti lokugcina. Isipho se-WaaS esiphelele simboza:
- I-ledger eyinhloko: ama-akhawunti okufaka kabili, imikhawulo, ukuvimbela ukuphindwa kokuthengiselana (idempotency) nokuhlehlisa ukuthengiselana.
- Iziteshi zamakhasimende: ama-app eselula, i-USSD yezingcingo ezijwayelekile, nephothali yewebhu.
- Amathuluzi ama-ejenti nabathengisi: ukufaka nokukhipha imali, i-float, amakhomishini, ama-till, i-QR nokuxazulula.
- Amaphothali amabhizinisi: izinkokhelo eziningi ngesikhathi esisodwa, ukuqoqwa kwemali, ukugunyaza nezitatimende zezinkampani.
- Amathuluzi okuthobela: amazinga e-KYC, ukuhlolwa kohlu, imithetho yesivinini, amarekhodi okucwaninga nemibiko yomlawuli.
- Ukuhlanganiswa: amabhange, amanye amanethiwekhi, abakhipha izikweletu, iziteshi zamakhadi ne-API yabathuthukisi enemibhalo.
Okulungiselelayo yikho konke okwenza kube ngokwakho: uphawu, imibala, amagama ama-app, izimali, amatafula ezindleko, izinhlelo zamakhomishini, imikhawulo yezinga ngalinye le-KYC, ukuthi yiziphi izinsizakalo ezivela kuyiphi imakethe, nokuqukethwe amakhasimende akufundayo.
Obani abasebenzisa i-Wallet njengeNsizakalo
Le modeli ifanela noma iyiphi inhlangano enamakhasimende nesabalalisi kodwa engafuni ukuba yinkampani yesofthiwe yebhange:
- Amabhange afuna i-wallet efana neyemali yeselula kumakhasimende angasoze avula i-akhawunti ephelele.
- Izinkampani zezingcingo ezingena emalini yeselula noma eziyenza ibe yesimanje.
- Izikhungo zezimali ezincane nama-SACCO ezisusa amalungu azo kukheshi ziwayise kwidijithali.
- Abathengisi abakhulu nabasabalalisi abafuna ukukhokhela abahlinzeki, ukuqoqa ezitolo nokuklomelisa amakhasimende athembekile.
- Ama-fintech asaqala anelayisensi noma uzakwethu onelayisensi, adinga ukwethula emasontweni ambalwa.
- Ohulumeni nezinhlangano ezingekho ngaphansi kukahulumeni ezikhokha izibonelelo, amaholo noma ukudlulisela imali kuma-wallet ngezinga elikhulu.
I-WaaS, isango lokukhokha noma i-API yebhange?
Lokhu okuthathu kuvame ukudidaniswa. Kuxazulula izinkinga ezahlukene.
| Imodeli | Ekwenzayo | Iyawagcina amabhalansi amakhasimende? |
|---|---|---|
| Isango lokukhokha | Liqoqa izinkokhelo ezivela emakhadini noma kuma-wallet kumthengisi futhi liyazixazulula | Cha |
| I-API yebhange (BaaS) | Ivulela abathuthukisi ama-akhawunti nezinkokhelo zebhange, abakha ama-app abo | Yebo, ebhange |
| I-Wallet njengeNsizakalo | Iqhuba i-wallet ephelele enophawu lwakho: i-ledger, ama-app, ama-ejenti, abathengisi namaphothali | Yebo, ku-wallet yakho |
Isango elokwamukela izinkokhelo. I-API yebhange eyamaqembu afuna ukwakha sonke isikrini ngokwawo. I-WaaS eyama-opharetha afuna umkhiqizo ophelele usebenza kusukela osukwini lokuqala futhi abeka umzamo wawo ekusabalaliseni.
Inkundla eyabelwanayo noma ukufakwa kwakho siqu
I-WaaS iza ngezimo ezimbili. Kumodeli yabaqashi abaningi, ama-opharetha amaningi abelana ngesizindalwazi esisodwa, ehlukaniswe yisofthiwe. Kumodeli ezinikele, u-opharetha ngamunye uthola ukufakwa kwakhe nedatha yakhe. Abalawuli ezimakethe eziningi zase-Afrika babuza ukuthi idatha yamakhasimende ikuphi nokuthi ubani ongayifinyelela; ukufakwa okuzinikele, okungcono kube ngaphakathi kwesifunda noma ezweni, kuphendula lowo mbuzo ngokucacile. Buza noma yimuphi umhlinzeki ukuthi uqhuba yiphi imodeli futhi kuphi.
Okuhlala kungokwakho
Ukusebenzisa i-WaaS akusho ukunikela ngebhizinisi kwabanye. Usengumnikazi we:
- Ilayisensi nobudlelwane nomlawuli, noma ukubambisana nesikhungo esinelayisensi.
- I-akhawunti yethrasti evikela imali yamakhasimende, egcinwe ebhange lakho.
- Amakhasimende nedatha: ukuthi bangobani, benzani, nelungelo lokukhipha konke.
- Amanani nemibandela yezohwebo nama-ejenti, abathengisi nozakwethu.
- Ukusabalalisa: ukuqasha ama-ejenti nabathengisi, ukumaketha nosizo.
Ukuthi ukwethulwa kwe-WaaS kuhamba kanjani
Ubuchwepheshe abuvamile ukuba yingxenye ehamba kancane. Ukwethulwa okujwayelekile kuqhuba le mizila ngesikhathi esisodwa:
- Amasonto 1 kuya ku-2: ukulungiselela. Uphawu, imali, ithebula lezindleko, amakhomishini, amazinga e-KYC nemikhawulo kufakwa endaweni yokuhlola.
- Amasonto 2 kuya ku-6: ukuhlanganiswa nokuhlola. I-akhawunti yethrasti yasebhange, ozakwethu bokuxazulula, isango le-SMS ne-USSD, abakhipha izikweletu. Abasebenzi bahlola yonke inqubo kuma-app okuhlola.
- Amasonto 4 kuya ku-8: ifayela lomlawuli. Imibhalo yesakhiwo sohlelo, ukuphepha, ukuvikelwa kwedatha nokuqhubeka kwebhizinisi, nezithombe-skrini nemibiko evela ohlelweni olusebenzayo.
- Amasonto 6 kuya ku-10: ukuhlola kokuqala. Iqembu elincane lamakhasimende, ama-ejenti nabathengisi endaweni eyodwa, nokubuyekezwa kokuvumelanisa nsuku zonke.
- Ngemuva kokugunyazwa: ukukhulisa. Ama-ejenti engeziwe, abathengisi abengeziwe, ukumaketha, nezinsizakalo ezintsha ezengezwa kumenyu.
Uhlelo lwesikhathi lwelayisensi luvame ukunquma usuku lokwethula. Yingakho ifayela lomlawuli nokuqashwa kwama-ejenti kufanele kuqale ngosuku lokuqala, hhayi ngemuva kokuba isofthiwe isilungile. Bona amalayisensi emali ye-elekthronikhi e-Afrika ukuze wazi ukuthi abalawuli bacelani.
Imibuzo ongayibuza umhlinzeki we-WaaS
- Ngingakubona yini ukuvumelanisa kwangempela kokuphela kosuku, hhayi isilayidi?
- Idatha yami ikuphi, futhi ngingayikhipha yonke ngefomethi esebenzisekayo?
- Yiziphi iziteshi ezisebenzayo namuhla: i-app, i-USSD, iwebhu, i-API, ama-ejenti, abathengisi?
- Yini ithimba lami elingayilungiselela ngaphandle kokuvula ithikithi losizo?
- Izibuyekezo zilethwa kanjani ngaphandle kobungozi kunsizakalo esebenzayo?
- Yibuphi ubufakazi enizobunikeza umlawuli wami?
Ngesinqumo ngokwaso sokwakha noma ukuthenga, funda i-white label noma ukwakha ngokwakho.
Imibuzo evame ukubuzwa
Ingabe i-Wallet njengeNsizakalo iyafana ne-white label?
Ikakhulukazi, yebo. I-white label ichaza uphawu; i-WaaS ichaza imodeli yokuhlinzeka, lapho umhlinzeki naye eqhuba futhi enakekela inkundla njengensizakalo.
Ingabe sidinga ilayisensi yethu?
Udinga ilayisensi noma uzakwethu onelayisensi ukuze ugcine imali yamakhasimende. Ama-opharetha amaningi aqala ngaphansi kwelayisensi yebhange elingumlingani bese efaka isicelo seyawo njengoba ekhula.
Singazengeza yini izinsizakalo zethu phezu kwayo?
Yebo. Inkundla ye-WaaS enhle ivula i-API yabathuthukisi nemenyu yezinsizakalo, ukuze ithimba lakho noma ozakwenu bengeze imikhiqizo ngaphandle kokuthinta i-ledger.
I-PesaBridge iyi-Wallet njengeNsizakalo ngalo mqondo ophelele: ukufakwa okuzinikele ku-opharetha ngamunye, ama-app amahlanu anophawu lwakho, i-USSD, amathuluzi ama-ejenti nabathengisi, amaphothali amabhizinisi ne-API yabathuthukisi ku-ledger eyodwa. Bona inkundla noma uqale ngomakhi weziphakamiso.