NgoMashi 2026, i-neobank Fi yaseNdiya yavala buthule ungqimba lwebhange lohlelo lwayo lokusebenza. Amakhasimende avule ama-akhawunti okonga ngokusebenzisa isikhombikubona esihle se-Fi athole i-imeyili ethi i-akhawunti ngokwayo ilungile, iphephile, futhi ixhaswe ngokugcwele, kodwa manje kuzodingeka ayiphathe nge-FedMobile, uhlelo lokusebenza olungolwe-Federal Bank, ibhange langempela elinelayisensi elalilokhu liphethe lawo ma-akhawunti sonke isikhathi. I-Federal Bank ikubize ngokuthi "ukulungiswa kabusha kwebhizinisi." I-Fi, eyayikhonze amakhasimende angaphezu kwezigidi ezingu-3.5 futhi yacubungula ukuthengiselana okungaphezu kwezigidigidi kusukela ngo-2021, yathi yayigxila kabusha kubuchwepheshe obujulile kanye ne-AI esikhundleni salokho.
Yindaba encane, kodwa isho okuthile okukhulu ngendlela i-fintech yesimanje esebenza ngayo ngempela. I-Fi yayingakaze ibe yibhange. Yayiyi-app eklanywe kahle ehlezi phezu kwengqalasizinda yebhange, futhi lapho lelo lungiselelo liphela, i-app yayiyiyona eyanyamalala, hhayi imali noma i-akhawunti eyisisekelo. Lokho kuyiqiniso cishe kuzo zonke izinhlelo zokusebenza ze-neobank kanye nokutshalwa kwezimali okusebenzisayo, nokuqonda ukuthi kungani kushintsha indlela ocabanga ngayo ngezinhlelo zokusebenza ze-fintech efonini yakho.
I-neobank akuyona ibhange, iyi-interface
I-neobank uhlobo lwezezimali oludijithali kuphela olungenamagatsha, ngokuvamile olwakhiwe ngohlelo lokusebenza oluhlakaniphile kanye ne-UX engcono kunezipesheli zebhange lendabuko. Lokho cishe engakaze ibe nakho ilayisensi yasebhange yangempela. E-India, i-Reserve Bank of India ayiqapheli "i-neobank" njengesigaba esinelayisensi nhlobo. Izinkampani ezifana ne-Jupiter ne-Fi zakha ama-akhawunti azo okonga, amakhadi edebithi, kanye nezici ze-UPI ngokubambisana ne-Federal Bank, kanti ezinye zithembele kubalingani abafana ne-Axis Bank noma i-DCB Bank. Uhlelo lokusebenza luphatha ukuklama, imivuzo, kanye nolwazi lomkhiqizo. Ibhange elilawulwayo liphethe amadiphozithi, ilayisensi, kanye nesibopho sokuthobela imithetho.
Lokhu akuhlukile eNdiya. I-Chime, enye yamabhange amakhulu ase-US, ayinayo i-charter yebhange, isebenza ngamabhange abambisene nabo. I-N26 ne-Revolut zihlukile ngoba zombili zinelayisensi yazo yasebhange ezingxenyeni zaseYurophu, okuyingxenye yokuthi kungani umkhondo wazo wokulawula ubukeka uhlukile koka-Chime noma ka-Jupiter. Iphethini ebalulekile yile: "i-neobank" ichaza ungqimba lomkhiqizo, hhayi olusemthethweni ngempela, futhi uhlelo lokusebenza oluthembayo ngomholo wakho lungaba ukuxoxisana kwezentengiselwano okukodwa kude nokushintshana kwezandla, njengoba amakhasimende e-Fi asanda kubhekana nakho.
Izinhlelo zokusebenza zokutshala imali zisebenza ngendlela efanayo
Shintshanisa "ibhange" nelithi "umthengisi" futhi indaba efanayo iyabonakala ekutshalweni kwezimali. Uhlelo lokusebenza oluhlakaniphile lwe-SIP noma lokuhweba ngamasheya aluvamile ukuba nengqalasizinda yalo yokuhlanza noma lusebenze njengomhlanganyeli walo wokugcina imali kusukela ekuqaleni. E-India, wonke umlamuleli obhalisiwe we-SEBI, kungaba uhlelo lokusebenza lwe-mutual fund, umthengisi wesaphulelo, noma ipulatifomu yokuphatha ingcebo, kufanele adlulisele i-KYC nge-Ejensi Yokubhalisa ye-KYC ebhalisiwe ye-SEBI, uhlelo olwethulwe ngaphansi kweMigomo ye-SEBI KRA ka-2011. Qedela i-KYC yakho kanye nganoma iyiphi i-KRA, njenge-CAMS KRA noma ingalo ye-KRA ye-NSE, futhi yonke enye ipulatifomu ebhalisiwe ye-SEBI ingadonsa irekhodi elifanayo eliqinisekisiwe esikhundleni sokukufaka enkambisweni futhi. Yinguqulo yomhlaba wokutshala imali yalokho i-eKYC esekelwe e-Aadhaar ekwenzela ama-akhawunti asebhange, ubunikazi obuqinisekisiwe obubodwa, obungasetshenziswa kabusha yonke indawo.
Emhlabeni jikelele, isimo sifana noma ngabe ukufakelwa kwepayipi kuhlukile. I-Robinhood, i-Wealthfront, kanye nezinhlelo zokusebenza eziningi zokutshala imali ezitolo ziphezulu kwezinkampani ezikhipha imali kanye nabagcini abagcina futhi bakhokhele izibambiso. Uhlelo lokusebenza luyingqimba yesipiliyoni. Ingqalasizinda engezansi ilawulwa, ijwayelekile, futhi ayibonakali kakhulu kumsebenzisi wokugcina, kuze kube yilapho okuthile kushintsha futhi ubona ukuthi bekukhona sonke isikhathi.
Ukungena ngemvume kuyisango langaphambili, futhi manje sekuyinkinga ye-API
Kungakhathaliseki ukuthi uvula i-akhawunti ye-neobank noma i-SIP, into yokuqala eyenzekayo ukuqinisekiswa kobunikazi, futhi yilapho ungqimba lwe-API luthola khona imali yalo. I-stack eyakhelwe kahle idonsa ukuqinisekiswa kwe-Aadhaar noma kwe-PAN, ihlola i-Central KYC Registry ukuthola irekhodi elikhona, kanye nama-akhawunti ebhizinisi noma e-MSME, iqinisekisa ukufakwa kwe-GST, konke ngokusebenzisa izingcingo ezimbalwa ze-API esikhundleni sokuvakasha kwegatsha kanye nenqwaba yamakhophi. Lolu uhlobo lwengqalasizinda i-Decentro's Ama-KYC API zakhelwe, zihlanganisa amasheke asekelwe ku-Aadhaar, PAN, CKYC, kanye ne-GST abe ukuhlanganiswa okukodwa ukuze i-neobank noma uhlelo lokusebenza lokutshalwa kwezimali kungadingeki lakhe ubudlelwano obuhlukile nerejista ngayinye kahulumeni ngokwalo.
Lokhu kubaluleke kakhulu kunalokho okuzwakalayo. Ukubhalisa ngokuvamile kuyiphuzu elikhulu kakhulu lokushiya abasebenzisi kunoma yimuphi umkhiqizo we-fintech. Yonke idokhumenti eyengeziwe, isinyathelo ngasinye sokubuyekezwa ngesandla, kuyithuba lokuthi ikhasimende langempela liyeke phakathi. Izinhlelo zokusebenza ezizwakala zishesha ngaphambili, cishe ngaphandle kokukhetha, zisebenza ngokushesha, ukuqinisekisa okuzenzakalelayo ngemuva.
Ingxenye okungekho muntu oyicabangayo: izinkokhelo eziphindaphindayo
Nansi ingxenye ye-neobank kanye nengqalasizinda yohlelo lokusebenza lokutshalwa kwezimali ethola ukunakwa okuncane naphezu kokusebenza kakhulu. I-SIP isebenza kuphela uma imali edonswayo yanyanga zonke yenzeka ngempela, ngokuthembekile, iminyaka, ngaphandle kokuthi umtshali-zimali avume inkokhelo ngesandla njalo. E-India, lokho kuphathwa nge-UPI AutoPay, uhlelo lwe-NPCI olwasungulwa ngo-2020, oluvumela umsebenzisi ukuthi agunyaze imali edonswayo kanye nge-PIN yakhe ye-UPI bese kuba nezinkokhelo ezilandelayo ezicutshungulwa ngokuzenzakalelayo kuze kufike emkhawulweni omisiwe, u-₹15,000 wezinkokhelo ezivamile eziphindaphindayo, kanye no-₹1 lakh ngezigaba ezifana ne-mutual fund SIPs, amaphrimiyamu omshuwalense, kanye nama-EMI emalimboleko, ngaphambi kokuthi kuphinde kuqinisekiswe. Izinhlelo ezindala ezifana ne-NACH e-mandates zisaphatha okuningi kwalokhu, ikakhulukazi kuma-debit aphindaphindayo anenani eliphakeme noma asekelwe kwi-akhawunti yasebhange.
I-Neobanks incike ezindleleni ezifanayo ngesizathu esihlukile: izici zokonga ngokuzenzakalela, ukudluliselwa okuphindaphindiwe “ezitsheni zokonga,” ukukhokhisa okubhaliselwe kwezigaba ze-premium, kanye nemiyalelo emile konke kuncike engqalasizinda yokukhokha ephindaphindayo ethembekile, engaphumeleli kakhulu. Ukwenza lokhu kabi akugcini nje ngokubiza imali engenayo, kusho ukuthi i-SIP iyeka ukutshala imali buthule noma umgomo wokonga uyama buthule, futhi umsebenzisi ngokuvamile akaqapheli kuze kube yizinyanga kamuva. Yilona kanye uhlobo lwe-Decentro's yokulungisa amapayipi. Ama-API okukhokha aphindaphindwayo zakhiwe ukuze ziphathe, ziphathe i-UPI AutoPay kanye ne-NACH mandates ukuze umkhiqizo we-fintech ukwazi ukusetha, ukulandelela, nokuzama kabusha amadebithi aphindaphindayo ngaphandle kokuhlanganisa ndawonye ukuhlanganiswa kwamabhange amaningi kanye ne-NPCI uqobo.
Lokho okufundiswa yindaba ye-Fi ngempela
Buyela ku-Fi Money okwesikhashana. Isizathu sokuthi amakhasimende ayo angalahlekelwa yi-rupee lapho uhlelo lokusebenza luvalwa yingoba ingqalasizinda eyisisekelo, i-akhawunti yasebhange yangempela, yayingeyona eye-Fi kwasekuqaleni. Yayingeye-Federal Bank, inhlangano elawulwayo, sonke isikhathi. Uhlelo lokusebenza lunganyamalala ngobusuku obubodwa ngoba uhlelo lokusebenza alukaze lube lapho ubudlelwano bezezimali bangempela bukhona.
Akuyona iphutha lelo kumodeli ye-neobank, imodeli isebenza njengoba iklanyelwe. Isifundo kunoma ubani owakha, noma osebenzisa nje, imikhiqizo ye-fintech ukuthi isikhombimsebenzisi singashintshwa kanti ingqalasizinda engaphansi kwaso ayishintshi, noma okungenani akufanele ibe njalo. Yingakho iningi lezinto ezintsha embonini ye-fintech lisuke ekuklanyweni kohlelo lokusebenza laya kungqimba ye-API: ukuqinisekiswa kobunikazi, ukuphathwa kwe-ledger, ukuphathwa kwe-oda, kanye nokuhambisana, izinto ezingathandeki ezinquma ukuthi imali yakho iphephile ngempela nokuthi i-SIP yakho isebenza ngesikhathi esibekiwe, kungakhathaliseki ukuthi yiluphi uhlelo lokusebenza oluhleli phezu kwalo kulo nyaka.