I- Nedbank yethula uhlelo olusha lokukhokha olusheshayo i-PayShap, mahhala kuze kube mhla ka 30 kuMbasa 2023

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I-Nedbank isiyethule uhlelo olusheshayo lokukhokha olubizwa nge PayShap, isu lezindleko zalo zikhuthaze ukwamukeleka kwalo kumuntu wonke. Lolu hlelo luokuba mahhala kuze kube mhla ka 30 kuMbasa, bese kuthi emuva kwalokho lutholakale ngezindleko zika R1 zokulusebenisa uma ukhokha.

‘Sinqume imali ephansi yezindleko zokusebenisa iPayShap ngoba sikholelwa kakhulu ekuthini lena yindlela eyethembisa lukhulu ekusizeni abantu baseNingiimu Afrika ukuba babambe iqhaza kwezomnotho wobuchwepheshe. Ngokulekelela umuntu ngamunye kanjalo namabhizinisi amancane ukuba bakwazi ukukhokha ngaso leso sikhathi ngendlela eshibhile besebenzisa omakhalekhukhwini babo, uhlelo lwe PayShaP lukuphathele indlela ephephile yokukhokha ngobuchwepheshe okushesha njengokukhokha ngokheshi’ kusho iMenenja Eyengamele isigaba se Solution Innovation kwaNedbank, uDayan Govender.

‘Sihambisana ncamashi nonkolelo osekukudala benayo abakwaNedbank yokuthi ubuchwepheshe be-digital buneqhaza elibalulekile obungalibamba ekusizeni abantu base Ningizimu Afrika ukuba bakhokhe kalula, ngokuphephile futhi ngendlela eyongayo’.

Uhlelo lwe PayShap luwumphumela wokubambisana ethubeni elide kwalemboni okuholwa yi-BankServAfrica, ecubungula umkhakha wezemali. Lwelekelela abasebenzisi balo ukuba bakhokhe ngaso leso sikhathi ngaphandle ngokuba badalule imininingwane yabo yasebhange kumbe basebenzise i-banking app. Esikhundleni salokho, izindlela zokuthumela umyalezo ngaso leso sikhathi ezinjenge WhatsApp ziyasetshenziswa ukudlulisa imali ngento (njengenombolo kamakhalekhukhwini) ezomela inombolo ye-akhawunti noma yi e-wallet yalabo abakhokhelanayo. Luhlose ukusiza ekuqedeni isidingo semali ewukheshe ukukhokhela amabhizinisi amancane noma ukudlulisela imali kubangani noma kumalungu omndeni.

Naphezu kokuba elase Ningizimu Afrika linohlelo lokusebenza kwamabhange lwezinga eliphezulu emhlabeni, imali ewukheshe iyaqhubeka nokubamba iqhaza elikhulu emnothweni, okujikelea kuwo isamba esiwu R166billion wemali engamaphepha newuhlweza, kanye nesamba esiwu R70 billion ngenyanga emishinini nasemagatsheni amabhange. Izizathu zokuba kuqhubeka kusetshenzziswe imali ewukheshi zijulile kodwa into eyodwa isobala – ukusebenzisa imali ewukheshi kumba eqolo futhi izindleko eziphezulu zalokho iningi lazo zithwalwa ngabantu abadla imbuya ngothi. Ucwaningo lwe Genesis Analytics luveza ukuthi izindleko zokusebenzisa imali ewukheshi kubiza amakhasimende R23 billion (okusho isilinganiso esingu 0,52% somnotho wezwe) ngonyaka ka 2016.

Lezo zinombolo zididiyela nokulahleka kwamathuba ngenxa yokusebenzisa ukheshi. Isibonelo, ukusebenzisa imali ewukheshi kusho ukuthi abantu namabhizinisi amancane abanayo indlela yokuveza ubufakazi besimo sabo kwezemali, ngaleyo ndlela bakuthola kunzima ukuboleka imali edingekayo yokukhulisa umsebenzi. Lokho -ke kubanqinda amandla bese umnotho uyaqhugela. 

Ucwaningo lwabe Mark Trust luveza ukuthi kwelase Nigeria, ukukhula kwezinga lokukhokhelana ngaso leso sikhathi kuqhubela phambili ukuba kungabikho ocwasekayo kwezemali.

‘Ibhange iNedbank belilokhu lisekhaleni lokusetshenziswa kobuchwepheshe ukwenza kube lula kubantu base Ningizimu Afrika ukuba bakhokhe futhi baphathe imali yabo. Indlela yokukhokha ngokuthinta ikhadi lobuchwepheshe be- digital eliku makhalekhukhwini, eyenza umakhalekhukhwini usebenze ngendlela yekhadi, iyisibonelo esihle sokusebenzisa kwethu ubuchwepheshe ukwenza izinto zibe lula kumakhasimende ethu. Uhlelo lwe PayShap luvulela amathuba amasha ngendlela efanayo kumuntu wonke ngoba lwenza ukukhokha ngaleso sikhathi kungambi eqolo futhi kulula ukulusebenzisa’ kusho yena. ‘Singase sisho ukuthi lusivezela obunye ubuhle bokusebenzisa ukheshi’.

Abantu base NingizimuAfrika kuyakhula ukulangazela kwabo ukuba bakhokhelwe ngaso leso sikhathi, futhi njengamanje bakhokhelana kanjalo isamba esilinganiselwa ku R105 billion ngonyaka, nakuba amanye amabhange ebiza R50 kulokho nalokho kukhokhelana. Ngokusebenzisa uhlelo lwe PayShap, noma ubani angadlulisela imali komunye ngaso leso sikhathi esebenzisa imininingwane emele okhokhelwayo njenge nombolo kamakhalekhukhwini ngokusebenzisa inkundla yokuxhumana, ngebhange iNedbank futhi lokhu kuzobe kushibhile kakhulu. Ekuqaleni lolu hlelo luzosingatha ukudluliselana imali okuze kufinyelele ku R3 000.

‘Ngokunciphisa ukusebenzisa imali ewukheshi, siyelekelela ekuthini angabikhona osala ngaphandle kwezemali, ngoba njengoba ezomnotho ziya ngokuya zingeniswa kwezobuchwepheshe be- digital, labo abasebenzisa imali ewukheshi baya ngokuya besala ngaphandle’ kusho uGovender. ‘Uhlelo lwe PayShap luyiqophelo elisemqoka lohambo lwethu lokuba nomnotho ongacwasi futhi onamandla, futhi iNedbank iyalweseka ngokuluhlinzeka ngezindleko eziphansi kakhulu’. 

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