I te marama o Poutū-te-rangi 2026, i kati puku te kamupene neobank Fi o Īnia i te paparanga peeke o tana taupānga. I whiwhi īmēra ngā kiritaki i whakatuwhera i ngā pūkete penapena mā te atanga maeneene o Fi e kī ana he pai te pūkete tonu, he haumaru, ā, he pūtea katoa, engari me whakahaere e rātou mā FedMobile, te taupānga nō Federal Bank, te peeke raihana tūturu i pupuri i aua pūkete i te wā katoa. I kī te Federal Bank he "whakahoutanga pakihi". I kī a Fi, i mahi ki te neke atu i te 3.5 miriona kiritaki, ā, neke atu i te piriona tauwhitinga i tukatukahia mai i te tau 2021, kei te arotahi anō ki te hangarau hohonu me te AI.
He kōrero poto noa iho, engari he kōrero nui kei roto mō te mahi a te hangarau pūtea hou. Kāore a Fi i te pēke. He taupānga ataahua i hangaia i runga i te hanganga o te pēke, ā, i te mutunga o taua whakaritenga, ko te taupānga te wāhanga i ngaro, ehara i te moni, i te pūkete taketake rānei. He pono tēnei mō te nuinga o ngā taupānga neobank me ngā taupānga haumi e whakamahia ana e koe, ā, mā te mārama ki te take ka rerekē tō whakaaro mō ngā taupānga hangarau pūtea i runga i tō waea.
Ehara te neobank i te peeke, he atanga
He waitohu pūtea matihiko anake te neobank, kāore he peka, he mea hanga i runga i tētahi taupānga maeneene ake me te UX pai ake i ngā tuku a te peeke tuku iho. Ko te mea kāore rawa i a ia ko te raihana peeke tūturu. I Inia, kāore te Reserve Bank o Inia e whakaae ki te "neobank" hei kāwai raihana. I hangaia e ngā kamupene pēnei i a Jupiter me Fi ā rātou pūkete penapena, kāri nama, me ngā āhuatanga UPI i roto i te mahi tahi me Federal Bank, ko ētahi e whakawhirinaki ana ki ngā hoa pēnei i a Axis Bank, DCB Bank rānei. Ka whakahaerehia e te taupānga te hoahoa, ngā utu, me te wheako hua. Kei te peeke whakahaeretia ngā moni tāpui, te raihana, me te herenga ture.
Ehara i te mea motuhake tēnei ki Īnia. Ko Chime, tētahi o ngā peeke hou nui rawa atu o Amerika, kāore he tiwhikete peeke, engari e mahi ana mā roto i ngā peeke hoa. He rerekē a N26 me Revolut nā te mea kei a rāua anō ā rāua raihana peeke i ētahi wāhanga o Ūropi, koinei tētahi o ngā take he rerekē te āhua o ō rāua tapuwae ture i a Chime, i a Jupiter rānei. Ko te tauira nui ko tēnei: e whakaahua ana te "neobank" i tētahi paparanga hua, ehara i te mea ture, ā, ko te taupānga e whakawhirinakihia ana e koe me tō utu, he kotahi noa te tawhiti o te whiriwhiringa arumoni mai i te huri ringa, rite tonu ki ngā kiritaki a Fi i pā mai nei.
Ka whakahaerehia ngā taupānga haumi i runga i te arorau kotahi
Whakawhitihia te "pēke" ki te "kaihokohoko" ā, ka puta te kōrero kotahi i roto i te haumi. Kāore i te maha ngā wā ka pupuri te SIP, te taupānga hokohoko hea rānei i tana ake hanganga whakakore moni, ka mahi rānei hei kaiuru penapena mai i te tīmatanga. I Inia, ko ia takawaenga kua rēhita ki te SEBI, ahakoa he taupānga pūtea tahi, he kaihokohoko hekenga utu, he tūāpapa whakahaere taonga rānei, me tuku te KYC mā te Tari Rēhita KYC kua rēhita ki te SEBI, he pūnaha i whakaurua i raro i ngā Ture SEBI KRA o te tau 2011. Whakaotia tō KYC kotahi me tetahi KRA, pērā i te CAMS KRA, i te peka KRA rānei a te NSE, ā, ka taea e ia atu tūāpapa kua rēhita ki te SEBI te tango i taua rekoata kua manatokohia, kaua e tukuna anō koe ki roto i te tukanga. Koinei te putanga o te ao haumi o te mahi a te eKYC e ahu mai ana i te Aadhaar mō ngā pūkete pēke, he tuakiri kotahi kua manatokohia, ka taea te whakamahi anō i ngā wāhi katoa.
Ahakoa te rerekētanga o ngā paipa wai puta noa i te ao, he rite tonu te āhua. Kei runga ake i ngā umanga whakawātea me ngā kaitiaki e pupuri ana, e whakatau ana hoki i ngā hea te Robinhood, Wealthfront, me te nuinga o ngā taupānga haumi hokohoko. Ko te taupānga te paparanga wheako. Ko te hanganga i raro iho he mea whakahaere, he mea paerewa, ā, kāore e kitea e te kaiwhakamahi mutunga, tae noa ki te huringa o tētahi mea, ā, ka kite koe kei reira tonu.
Ko te whakaurunga te tatau o mua, ā, he raruraru API inaianei
Ahakoa kei te whakatuwhera koe i tētahi pūkete neobank, i tētahi SIP rānei, ko te mea tuatahi ka tupu ko te manatoko tuakiri, ā, koinei te wāhi e whiwhi ai te paparanga API i tana mana. Ka tangohia e tētahi puranga whakauru pai te manatoko Aadhaar, PAN rānei, ka tirohia te Rehita KYC Matua mō tētahi tuhinga o nāianei, ā, mō ngā pūkete pakihi, MSME rānei, ka manatoko i ngā tuku GST, mā roto i ētahi waeatanga API hei utu mō te toro atu ki tētahi peka me te puranga tārua. Koinei tonu te momo hanganga a Decentro. Ngā API KYC kua hangaia mō te whakakotahi i ngā haki Aadhaar, PAN, CKYC, me te GST ki roto i te whakaurunga kotahi kia kore ai he peeke hou, he taupānga haumi rānei e hanga hononga motuhake ki ia rēhita kāwanatanga.
He mea nui ake tēnei i te āhua o te whakaaro. Ko te whakaurunga mai te mea nui rawa atu e mutu ai te mahi a te kaiwhakamahi i roto i tētahi hua hangarau pūtea. Ko ia tuhinga tāpiri, ko ia taahiraa arotake ā-ringa, he whai wāhi tēnei mā te kiritaki pono ki te whakarērea i waenganui o te mahi. Ko ngā taupānga e ahua tere ana i te pito o mua, tata tonu te kore he rerekētanga, e tere ana te whakahaere i te manatoko aunoa i te pito o muri.
Ko te wāhanga kāore tetahi e whakaaro ana: ngā utunga auau
Anei te wāhanga o te hanganga neobank me te taupānga haumi kāore i te tino arohia ahakoa te nui o te mahi. Ka mahi noa te SIP mēnā ka puta te tango moni ā-marama, he pono, mō ngā tau, me te kore e whakaaetia ā-ringa e te kaipupuri moni te utu i ia wā. I Inia, ka whakahaerehia tēnei mā te UPI AutoPay, te pūnaha whakahau a te NPCI i whakarewahia i te tau 2020, e āhei ai te kaiwhakamahi ki te whakamana i te tango moni auau kotahi me tā rātou PIN UPI, kātahi ka tukatukahia aunoa ngā utu i muri mai tae atu ki tētahi rohe kua whakaritea, ₹15,000 mō ngā utu auau whānui, tae atu ki te ₹1 lakh mō ngā kāwai pēnei i ngā SIP tahua tahi, ngā utu inihua, me ngā EMI nama, i mua i te tīmatanga anō o te manatoko. Kei te whakahaerehia tonutia e ngā pūnaha tawhito pēnei i ngā whakahau e-NACH te nuinga o tēnei, inā koa mō ngā tango moni auau teitei ake te uara, ngā tango moni auau rānei e hangai ana ki te pūkete peeke.
He rerekē te take e whakawhirinaki ana a Neobanks ki ngā ara kotahi: ko ngā āhuatanga tiaki-aunoa, ko ngā whakawhiti auau ki ngā "kohua penapena," ko te utu ohaurunga mō ngā taumata utu nui, me ngā tohutohu tū, e whakawhirinaki katoa ana ki te hanganga utu auau pono, iti-rahunga. Ehara i te mea ko te hē o tēnei ka pau noa te moni whiwhi, engari ko te tikanga ka mutu puku te haumi a te SIP, ka mutu puku rānei te whāinga penapena, ā, he maha ngā wā kāore te kaiwhakamahi e kite tae noa ki ngā marama i muri mai. Koinei tonu te momo paipa a Decentro. ngā API utu auau Kua hangaia hei whakahaere i ngā whakahau UPI AutoPay me NACH kia taea ai e tētahi hua hangarau pūtea te whakarite, te aroturuki, me te ngana anō i ngā nama auau me te kore e honoa ngā whakaurunga peeke me te NPCI maha.
Ngā akoranga tūturu a te pūrākau Fi
Hoki atu ki Fi Money mō tētahi hēkona. Ko te take i kore ai e ngaro tetahi rūpī i ana kiritaki i te wā i kati ai te taupānga, nā te mea ko te hanganga matua, ko te pūkete peeke tūturu, ehara i te mea nā Fi i te tīmatanga. Nō te Federal Bank, he hinonga whakahaeretia, i te wā katoa. Tērā pea ka ngaro te taupānga i te pō kotahi nā te mea kāore te taupānga i te wāhi e noho ana te whanaungatanga pūtea tūturu.
Ehara tēnā i te hapa o te tauira neobank, engari ko te tauira e mahi ana i runga i te hoahoa. Ko te akoranga mō te hunga e hanga ana, e whakamahi ana rānei i ngā hua hangarau pūtea, ko te atanga ka taea te whakakapi, ā, ko te hanganga i raro iho kāore e taea, kāore rānei e tika kia pērā. Koinei tonu te take i neke ai te nuinga o ngā mahi auaha o te umanga hangarau pūtea mai i te hoahoa taupānga ki te paparanga API: te manatoko tuakiri, te whakahaere pukapuka kaute, te whakahaere mana, me te tutuki i ngā whakaritenga, ngā mea kāore i te ātaahua e whakatau ana mēnā kei te haumaru tō moni, ā, kei te tīmata tō SIP i te wā tika, ahakoa ko tēhea taupānga kei runga ake i tēnei tau.