NgoMatshi 2026, i-neobank Fi yaseIndiya yavala ngokuzolileyo umaleko webhanki we-app yayo. Abathengi ababevule ii-akhawunti zokonga nge-interface ethambileyo ye-Fi bafumana i-imeyile besithi i-akhawunti ngokwayo ilungile, ikhuselekile, kwaye ixhaswa ngokupheleleyo, kodwa ngoku kuya kufuneka bayilawule nge-FedMobile, i-app ye-Federal Bank, ibhanki enelayisenisi eyayibambe ezo akhawunti lonke ixesha. I-Federal Bank yabiza oku ngokuthi "uhlengahlengiso lweshishini." I-Fi, ebikhonze abathengi abangaphezu kwezigidi ezi-3.5 kwaye icwangcise iintengiselwano ezingaphezu kwebhiliyoni ukusukela ngo-2021, yathi igxila kwakhona kwi-deep tech kunye ne-AI endaweni yoko.
Libali elincinci, kodwa lithetha into enkulu malunga nendlela esebenza ngayo i-fintech yanamhlanje. I-Fi ayizange ibe yibhanki. Yayiyi-app eyilwe kakuhle ehleli phezu kweziseko zebhanki, kwaye xa elo lungiselelo laphela, i-app yayiyinxalenye eyanyamalalayo, kungekhona imali okanye iakhawunti esisiseko. Oko kuyinyani phantse kuyo yonke i-neobank kunye ne-app yotyalo-mali oyisebenzisayo, kunye nokuqonda ukuba kutheni kutshintsha indlela ocinga ngayo nge-app ze-fintech kwifowuni yakho.
I-neobank ayilobhanki, lujongano
I-neobank luphawu lwezemali lwedijithali kuphela olungenamasebe, ludla ngokwakhiwa ngokujikeleza i-app ekrelekrele kunye ne-UX engcono kuneebhanki zendabuko. Into ephantse ingabi nayo yilayisenisi yebhanki yokwenyani. E-India, i-Reserve Bank yase-India ayiqapheli "i-neobank" njengodidi olunelayisenisi konke konke. Iinkampani ezifana neJupiter kunye ne-Fi zakha ii-akhawunti zazo zokonga, amakhadi edebithi, kunye neempawu ze-UPI ngokubambisana neFederal Bank, ngelixa ezinye zixhomekeke kumaqabane afana ne-Axis Bank okanye i-DCB Bank. I-app iphatha uyilo, imivuzo, kunye namava emveliso. Ibhanki elawulwayo ibamba iidiphozithi, ilayisenisi, kunye nesibophelelo sokuthobela imithetho.
Oku akuphelelanga eIndiya. I-Chime, enye yeebhanki ezinkulu zase-US, ayinayo i-charter yebhanki, isebenza ngeebhanki ezisebenzisana nayo. I-N26 kunye ne-Revolut zahlukile kuba zombini zinelayisenisi yazo yebhanki kwiindawo zaseYurophu, nto leyo eyinxalenye yesizathu sokuba umkhondo wazo wolawulo ubonakale wahlukile kwi-Chime okanye kwi-Jupiter. Ipateni ebalulekileyo yile: "i-neobank" ichaza umaleko wemveliso, kungekhona osemthethweni, kwaye i-app oyithembayo ngomvuzo wakho inokuba yingxoxo enye yorhwebo kude nokutshintsha izandla, kanye njengoko abathengi be-Fi besandula ukubona.
Ii-apps zotyalo-mali zisebenza ngendlela efanayo
Tshintshanisa "ibhanki" nge "broker" kwaye ibali elifanayo lidlala kutyalo-mali. I-app ye-SIP enobuchule okanye yokurhweba ngezabelo ayisoloko ineziseko zayo zokucoca okanye isebenza njengomthathi-nxaxheba wayo wokugcina imali ukususela ekuqaleni. EIndiya, wonke umlamli obhalisiweyo we-SEBI, nokuba yi-app ye-mutual fund, i-broker yesaphulelo, okanye iqonga lolawulo lobutyebi, kufuneka adlulisele i-KYC kwi-Arhente yoBhaliso lwe-KYC ebhalisiweyo ye-SEBI, inkqubo eyaziswa phantsi kweMigaqo ye-SEBI KRA ka-2011. Gcwalisa i-KYC yakho kube kanye ngayo nayiphi na i-KRA, njenge-CAMS KRA okanye i-NSE's KRA arm, kwaye yonke enye iqonga ebhalisiweyo ye-SEBI inokutsala loo rekhodi iqinisekisiweyo endaweni yokukufaka kwinkqubo kwakhona. Yinguqulelo yehlabathi lotyalo-mali yoko i-eKYC esekelwe kwi-Aadhaar ikwenzayo kwiiakhawunti zebhanki, ubuwena obuqinisekisiweyo obunye, obunokusetyenziswa kwakhona kuyo yonke indawo.
Kwihlabathi liphela, imeko iyafana nokuba indlela yokulungisa amatyala yahlukile. IRobinhood, iWealthfront, kunye neeapps ezininzi zotyalo-mali kubathengisi zihlala ziphezulu kwiinkampani zokucoca kunye nabagcini abagcina kwaye bahlawule izibambiso. Le app lulwahlu lwamava. Iziseko ezingaphantsi zilawulwa, zisemgangathweni, kwaye azibonakali kumsebenzisi wokugqibela, de kubekho into etshintshayo kwaye uqaphele ukuba ibikho lonke ixesha.
Ukungena kwi-intanethi ngumnyango wangaphambili, kwaye yingxaki ye-API ngoku
Nokuba uvula iakhawunti ye-neobank okanye i-SIP, into yokuqala eyenzekayo kukuqinisekiswa kobuwena, kwaye kulapho umaleko we-API ufumana khona imali yawo. I-stack eyakhelwe kakuhle itsala ukuqinisekiswa kwe-Aadhaar okanye i-PAN, ijonga iRejista yeCentral KYC ukuba kukho irekhodi ekhoyo, kwaye kwiiakhawunti zeshishini okanye ze-MSME, iqinisekisa iifayile ze-GST, konke oku ngokusebenzisa iifowuni ezimbalwa ze-API endaweni yokutyelela isebe kunye nenqwaba yeekopi. Olu luhlobo lwesiseko seDecentro's. Ii-KYC APIs zakhelwe, zidibanisa iitshekhi ezisekelwe kwi-Aadhaar, i-PAN, i-CKYC, kunye ne-GST zibe yindibaniselwano enye ukuze i-neobank okanye i-app yotyalo-mali kunganyanzelekanga ukuba yakhe ubudlelwane obahlukileyo nerejista karhulumente nganye yodwa.
Oku kubaluleke ngaphezu kokuba kuvakala ngathi. Ukungena kwi-intanethi kudla ngokuba yeyona ndawo inkulu yokushiya abasebenzisi kuyo nayiphi na imveliso ye-fintech. Lonke uxwebhu olongezelelweyo, lonke inyathelo lokujonga ngesandla, lithuba lokuba umthengi wokwenene anikezele phakathi. Ii-apps ezivakala ngathi zisebenza kwangoko ngaphambili, phantse ngaphandle kokukhetha, zisebenza ngokukhawuleza, ukuqinisekisa ngokuzenzekelayo ngasemva.
Inxalenye engakhange icingelwe mntu: iintlawulo eziphindaphindayo
Nantsi inxalenye ye-neobank kunye ne-investment app efumana ingqalelo encinci nangona isenza umsebenzi omninzi. I-SIP isebenza kuphela ukuba idebithi yenyanga yenzeka ngokwenene, ngokuthembekileyo, kangangeminyaka, ngaphandle kokuba umtyali-mali avume ngesandla intlawulo rhoqo. E-India, oko kuphathwa nge-UPI AutoPay, inkqubo ye-NPCI eyasungulwa ngo-2020, evumela umsebenzisi ukuba agunyazise idebithi ephindaphindayo kube kanye nge-UPI PIN yakhe aze emva koko iintlawulo ezilandelayo zicutshungulwe ngokuzenzekelayo ukuya kuthi ga kumda omiselweyo, i-₹15,000 kwiintlawulo eziqhelekileyo eziphindaphindayo, kunye ne-₹1 lakh kwiindidi ezifana ne-mutual fund SIPs, iiprimiyamu zeinshurensi, kunye ne-EMI zemali mboleko, ngaphambi kokuba kuphinde kuqinisekiswe kwakhona. Iinkqubo ezindala ezifana ne-NACH e-mandates zisaphatha uninzi lwale nto, ngakumbi kwiidebithi eziphindaphindayo ezisekelwe kwixabiso eliphezulu okanye kwi-akhawunti yebhanki.
IiNeobanks zixhomekeke kwiireyile ezifanayo ngesizathu esahlukileyo: iimpawu zokugcina ngokuzenzekelayo, ukudluliselwa rhoqo kwiimbiza zokonga, ukuhlawuliswa kobhaliso lwamanqanaba eprimiyamu, kunye nemiyalelo emileyo konke kuxhomekeke kwiziseko zokuhlawula ezithembekileyo nezingasebenzi kakuhle. Ukwenza oku gwenxa akubizi nje kuphela ingeniso, kuthetha ukuba i-SIP iyayeka ukutyala imali buthule okanye injongo yokonga iyayeka kancinci, kwaye umsebenzisi uhlala engayiboni de kube ziinyanga kamva. Luhlobo kanye lwe-plumbing yeDecentro's. ii-API zeentlawulo eziphindaphindayo Zenzelwe ukuphatha, ukulawula i-UPI AutoPay kunye ne-NACH mandates ukuze imveliso ye-fintech ikwazi ukuseta, ukulandelela, kunye nokuzama kwakhona iidebithi eziphindaphindayo ngaphandle kokudibanisa iibhanki ezininzi kunye nokuhlanganiswa kwe-NPCI ngokwayo.
Oko kufundiswa yibali le-Fi ngokwenene
Buyela kwiFi Money umzuzwana. Isizathu sokuba abathengi bayo bangalahlekelwa yi-rupee xa i-app yavalwa kukuba iziseko ezingundoqo, iakhawunti yebhanki yokwenyani, yayingeyiyo iFi kwasekuqaleni. YayiyeyeFederal Bank, iqumrhu elilawulwayo, lonke ixesha. I-app inokunyamalala ngobusuku obunye kuba i-app yayingeyiyo indawo apho ubudlelwane bezemali bokwenyani buhlala khona.
Ayilotyala kwimodeli ye-neobank, yimodeli esebenza njengoko iyilwe. Isifundo kuye nabani na owakha, okanye osebenzisa nje, iimveliso ze-fintech kukuba ujongano lunokutshintshwa kwaye iziseko ezingaphantsi kwalo azitshintshi, okanye ubuncinane akufanele zibe njalo. Yiyo loo nto uninzi lwezinto ezintsha zoshishino lwe-fintech luye lwasuka kuyilo lwee-app lwaya kumaleko we-API: ukuqinisekiswa kobuwena, ulawulo lwe-ledger, ukuphathwa kwemiyalelo, kunye nokuthobela imithetho, izinto ezingathandekiyo ezimisela ukuba imali yakho ikhuselekile ngokwenene kwaye i-SIP yakho isebenza ngexesha, nokuba yeyiphi na i-app ehleli phezu kwayo kulo nyaka.