The fintech I-landscape iye yatshintsha kakhulu kwiminyaka. Ishumi leminyaka elidlulileyo libone ukunyuka kwe-fintech ngokuzalwa kweenkampani ezinikezela ngeenkonzo zezemali ezizodwa. Kodwa mva nje, uya kuqaphela iinkampani zetekhnoloji ezibonelela ngothotho lweenkonzo ezidibanisa iinkonzo zezimali kwiqonga labo.
Masithi uqhuba ivenkile ye-pastry ekwi-intanethi. Nje ukuba ubhaliso lwenziwe kwi-intanethi, ikhekhe lihanjiswa emnyango womthengi, kwaye iintlawulo ziyaqokelelwa. Cinga ngokunyusa le modeli iye kwiAmazon okanye iSwiggy apho iintlawulo ziqokelelwa xa kubhukishwa. Oko kufuna ukubethelela iiakhawunti zebhanki, amakhadi, iintlawulo, kunye neemveliso ezibolekayo kwisoftware yakho.
Kukho imiqobo emibini ekufuneka uyigqithise ukuze ufezekise oku. Omnye umqobo omkhulu yimali eninzi ebandakanyekayo kwiinkonzo zezimali ze-inbuild. Inokusukela kumawaka ukuya kwizigidi ukusungulwa, engeyiyo ikomityi yeti kumashishini amancinci. Omnye umzabalazo kukuseka ubudlelwane nebhanki, engeyiyo i-cakewalk. Isiqhelo se-fintech kukunxulumana njengomphathi wenkqubo yebhanki.
https://twitter.com/unit_co_/status/1509863402629390337
Ukuba ngumphathi wenkqubo kufuna iinzame kumacala amabini: itekhnoloji kunye nokuthobela. Ifuna ukwakhiwa kwesakhiwo sokugcina iileja, ukuvelisa iingxelo, ukwakha i-KYC, kunye neminye imigaqo-nkqubo yedatha. Omnye umba oza kudlala ziimfuno zokuthotyelwa. Ngokubanzi, kwihlabathi liphela, ukuthotyelwa kweenkonzo zebhanki nezemali kungqongqo. Iqonga elitsha labizwa Unit ihlangabezana nemiqathango yobugcisa kunye nokuthotyelwa kwangaphambi kokuhlanganisa iinkonzo zemali.
Isisombululo kwimfuno yebhanki yeenkampani
Iyunithi ithembisa ukuba sisisombululo esisebenzayo kwiimfuno zebhanki zenkampani yakho. Eli qonga linikezela ngengqokelela ye-APIs kunye nezixhobo zomphuhlisi wokwakha iimpawu zemali. Ithembisa iiveki ezintlanu ukuqalisa iinkonzo zakho zemali. Ngaphezu koko, unokwenza iimveliso zakho ngokwezifiso ngee-APIs eziguquguqukayo kwaye ngaloo ndlela uphucule amava omsebenzisi wokugqibela.
Ukwakhiwa kothotyelo lolunye uphawu olunika umdla lweCandelo. Baneqela leengcali ezikumgangatho wehlabathi ukuqinisekisa ukuba iimveliso kunye neenkonzo zakho zihlala zihambelana nemimiselo. Njengokukhenkceza ikeyiki, iCandelo likwaseke ubambiswano lwebhanki, ukuze kungabikho mfuneko yokuba uzingele iibhanki usebenzisana nazo.
https://twitter.com/unit_co_/status/1530232871209914370
Nantsi iminikelo ephambili enayo iYunithi:
Akhawunti
NgeYunithi, unokwenza ngokulula ukwenza umntu, ishishini, kunye neakhawunti yediphozithi edibeneyo eneempawu ezixhasa amakhadi, intshukumo yemali, intlawulo yebhili, imali ehlawulwayo, kunye neeATM. Ungasebenzisa ezi akhawunti ukujonga, ukonga, okanye irhafu. Ikuvumela ukuba uvule iiakhawunti ezingenasiphelo ngomthengi ngamnye kwaye unike umdla kubathengi bakho ngokusekwe kwiidiphozithi zabo. Ukongeza, babonelela ngeefomu zesicelo ezibhalwe mhlophe kunye neengxelo, ukuze lula inkqubo kwicala lakho.
amakhadi
Unokwenza amakhadi kubathengi bakho, nokuba ngamakhadi omzimba okanye amakhadi abonakalayo. La makhadi ebhanki anokusetyenziswa naphi na apho amakhadi eVisa amkelwa khona. Ezinye izongezo ezahlukeneyo ezifana ne-flexible cash back kunye nokudityaniswa kwi-wallet yeselula zinokubandakanywa nakwiYunithi.
iintlawulo
Ivumela umthengi wakho ukuba enze iintlawulo kwaye afumane imali. Kwakhona, iCandelo linencwadi echaza yonke intengiselwano yomthengi wakho. Izibonelelo ezibonelelwayo zinokuxhobisa abathengi bakho ukuba benze iintlawulo ze-ACH, ukudluliselwa kwefowuni, kunye neentlawulo zamazwe ngamazwe.
Ukuboleka
Okokugqibela, iCandelo libonelela ngetekhnoloji, ekuvumela ukuba unikezele ngeenkonzo zokuboleka imali kubathengi bakho. Unokunika abathengi bakho imali ehlawulwa kwangaphambili ngokusekelwe kulwazi onalo malunga nomvuzo wabo kwaye emva kokuvavanya umngcipheko obandakanyekayo. Ungadibanisa itekhnoloji yokuhlawula ngokuzenzekelayo xa umthengi wakho ehlawulwa.
https://twitter.com/unit_co_/status/1519285368700510209
Iingcamango zokugqibela
Iinkonzo zezemali ze-tech giants zenza inkqubela enkulu, zide zoyikise inkqubo yebhanki yemveli. Ukunyusa umgangatho wabo, benza utyalo-mali olukhulu kwiinkampani ze-fintech. Nangona kunjalo, iYunithi ibonelela ngenye indlela elinganayo kubanini bamashishini amancinci. Kwenze ukuba kube lula kubo ukudibanisa iinkonzo zemali kwiqonga labo.
Ngeempawu zayo ezizodwa, amaqonga afana neYunithi anceda amashishini amancinci ukuba akhe, asungule, kwaye aphumelele ngeenkonzo zawo zemali. Nangona kunjalo, kumashishini amancinci ukuba afake amandla amakhulu anikezelwa ngolu tshintsho lwezobugcisa ngokwakha idibanti elinetalente labasebenzi, ukugcina ukhuseleko kunye nokuthembeka kweemveliso zabo, kunye nokuqinisekisa ulawulo olufanelekileyo lwedatha.
Ityala lemifanekiso: Inqaku umfanekiso ithathiwe ngu UPedro Talens Masip.
