Okash ƒe Dukɔa ƒe Nɔnɔme Kple Gɔmedzedze Le Togo
Okash, si wogblɔ be enye asitelefon dzi ganyawo nana dɔwɔƒe si doa agbagba be yeana ga bɔbɔe la, Opera Financial Services AS ye le ekpɔm, eye enye Opera Software AS (Norway) ƒe dɔwɔha. Wogblɔ be wokpɔe le ƒe 2018 me abe OPay (Opera ƒe dɔwɔha bubu) ƒe ganyawo nana akpa le Kenya ene. Wodze agbagba be woaxɔe ƒe ma ke le December me.
Dukɔa ƒe dɔwɔwɔ ƒe mɔnu vevitɔ enye be woana ame ŋutɔ ƒe fe bɔbɔe, si me kolateral mele o, to asitelefon dzi. Okash dze agbagba vevie le dukɔwo abe Kenya, India, kple Nigeria ene me. Ke hã, le Togo la, togbɔ be ame geɖe ɖee ɖa tso Google Play Store hã la, mele dɔ wɔm le mɔ si gbɔŋŋ nu haɖe abe dɔwɔha si woɖe mɔ nɛ le dukɔa me ene o. Nuŋlɔɖi kple nɔnɔme siwo ku nu me tso Okash ƒe dɔwɔwɔ ŋu le afi sia la tso dukɔ bubuwo gbɔ, eye womedze sii gbɔŋŋ be wòle dɔ wɔm le Togo o.
Togbɔ be Okash ƒe dɔwɔwɔ ƒe nuŋlɔɖi mele Togo gbɔŋŋ o hã la, woate ŋu abui be woƒe amesiwo gbɔ wodi be yewoakpɔ gbɔ le afi sia enye asitelefon zãla siwo ƒe ƒexɔxɔ le ƒe 20 kple 55 dome, siwo le ganyawo dim kpuie. Ele vevie be woaɖe eme be woƒe nɔnɔme le Togo mele anyi gbɔŋŋ o, eye dukɔ bubuwo ƒe nuŋlɔɖiwo gbɔ wòle be woato akpɔe. Esia fia be Togo-tɔwo ƒe nuŋlɔɖiwo gbɔ wòle be woakpɔ hafi woate ŋu anya woƒe dɔwɔwɔ ƒe nɔnɔme le afi sia.
Okash ƒe Ganyawo Nana Kple Asixexewo
Le dukɔ bubuwo me la, Okash naa ame ŋutɔ ƒe fe ɖeɖe. Womeɖee fia gbɔŋŋ be wonaa dɔwɔhawo ƒe fe le Togo o, ke boŋ ame ŋutɔ ƒe nuhiahiãwo gbɔ wòle be woakpɔ. Fenumewo siwo woyɔna le dukɔ bubuwo me, abe Kenya kple India ene, enye ga si ade US $40-50. Le Nigeria la, woate ŋu axɔ tso NGN 3,000 va ɖo NGN 2,000,000 (si ƒe home le US $4 kple $2,700 dome) abe fe ene. Ele vevie be woaɖe eme be fenumewo mele anyi gbɔŋŋ na Togo o, eye wole tɔtrɔm tso dukɔ ɖe dukɔ me.
Zãdzĩ ƒe asixexe kple fetunana ƒe nɔnɔmewo hã tso dukɔ bubuwo gbɔ, eye mele anyi gbɔŋŋ na Togo o. Le Nigeria la, zãdzĩ ƒe asixexea le 3% kple 15% dome le ɣleti ɖesiaɖe me, eye woxlẽa enye gbesiagbe. Esia fia be ga siwo woxɔna le ƒe ɖeka me (APR) le 36.5% kple 360% dome. Fetunana ƒe ɣeyiɣia le ŋkeke 91 kple 365 dome, ke zi geɖe la, enye ŋkeke 60-90 le Kenya kple India. Okash mexɔa kolateral ɖe fe xɔxɔ ŋu o, si fia be fe xɔxɔa le bɔbɔe, ke hã asixexewo ate ŋu akɔ wu.
Fetunana ƒe tsɔtsɔwo kple ɖoɖowo hã mele anyi gbɔŋŋ o. Gbɔŋŋ o, woxɔa tsɔtsɔwo ɖe dɔwɔwɔ ƒe ɖoɖowo ŋu, eye esiawo ate ŋu anɔ ganyawo me keŋkeŋ. Le dukɔ bubuwo me la, womeɖe eme gbɔŋŋ tso ale si woxɔa tsɔtsɔwo ɖe fetunana ƒe megbe ŋu o. Eya ta, ame siwo di be yewoaxɔ ga le Okash gbɔ le Togo la ƒe aɖaŋuɖoɖo gbɔŋŋ enye be woaɖe nuŋlɔɖiwo kple asixexewo nyuie hafi anye be woate ŋu axɔ ga.
Mɔ Nu Si Dzi Woato Dzra Ga Ðo Kple Dɔwɔwɔ ƒe Nɔnɔmewo
Okash ƒe ganyawo nana dɔwɔwɔ ƒe mɔnu vevitɔ enye to asitelefon dzi. Ame siwo di be yewoaxɔ ga la ɖea Okash ƒe app ɖa tso Google Play Store alo Apple App Store. Le esi me dɔwɔƒe gbɔŋŋ mele Togo o ta la, mele dzidziŋudzi o be woate ŋu axɔ ga le wo gbɔ. Le dukɔ bubuwo me la, registrasi wɔwɔ bɔbɔe, eye nuŋlɔɖi suesue ko gbɔ wòle be woakpɔ. Esiawo dometɔ aɖewo enye ID tɔtɔɖeɖa kple telefɔn nɔmba gbɔŋŋ tɔ. Gbɔŋŋ o, Okash mexɔa anyigba alo nu bubu siwo fia be ame si xɔ ga la ate ŋu akpɔ ganyawo o.
Le KYC (Know Your Customer) kple ga-ŋlɔɖi ƒe nɔnɔme (credit scoring) gbɔ la, Okash zãa woƒe ŋutɔŋutɔ ƒe ɖoɖowo. Woɖe nu tso asitelefon zãla ƒe data, woƒe hadome nɔnɔme, kple fe siwo wotsɔ gbɔŋŋ ƒe nuŋlɔɖiwo gbɔ. Ke hã, mele anyi gbɔŋŋ o be woate ŋu akpɔ Togo ƒe ganyawo ƒe nuŋlɔɖiwo le afi sia. Fetunana ƒe mɔnuwo enye bank transfer alo mobile money le dukɔ bubuwo me. Gbɔŋŋ o, mele anyi gbɔŋŋ o be woate ŋu axɔ ga to TMoney, Flooz, alo MoMo dzi le Togo.
Le ga xɔxɔ gbɔ la, Okash zãa automated SMS kple nɔnɔme bubuwo tsɔ ɖoa ŋku amewo dzi. Le dukɔ bubuwo me la, wozãa call center tsɔ ɖoa ŋku amewo dzi. Ke hã, nuŋlɔɖiwo ɖee fia be le dukɔ bubuwo me la, woɖea gbɔŋŋ fia ame siwo xɔ ga la ƒe hadome nɔnɔme le asitelefon dzi, si fia be woɖea woƒe nuŋlɔɖiwo fia ame bubuwo. Esia gbɔ wòle be woakpɔ nyuie le Togo, ne Okash dze dɔ gɔme gbɔŋŋ.
Okash ƒe Dɔwɔwɔ ƒe Nɔnɔme Kple Dukɔ Me Nyawo
Okash ƒe asitelefon app le Android kple iOS siaa dzi. Le Nigeria la, woƒe app xɔ 4.5★ le ame 300,000 kple edzii ƒe nuŋlɔɖiwo me, eye woɖee ɖa zi million 10 kple edzii. Ke hã, mele anyi gbɔŋŋ o be woate ŋu akpɔ Togo ƒe app ƒe nuŋlɔɖiwo le afi sia. Okash ƒe website gbɔŋŋ enye okash.com, ke mele anyi gbɔŋŋ o be woate ŋu akpɔ Togo ƒe website gbɔŋŋ. Okash zãa Opera News kple Opera Mini tsɔ doa eɖokui ɖa, si fia be Opera ƒe dɔwɔha bubuwo le ekpe ɖe eŋu.
Dukɔa ƒe sewo kple ganyawo dzi kpɔkpɔ enye nu vevi aɖe na Okash. Le dukɔ bubuwo me la, woɖe mɔ ɖe Okash ƒe dɔwɔwɔ ŋu to dukɔa ƒe sewo dzi, abe CBN le Nigeria ene, to dɔwɔha bubuwo dzi. Ke hã, mele anyi gbɔŋŋ o be Togo ƒe ARMP (Autorité de Régulation des Marchés Publics) alo BCEAO (Banque Centrale des États de l'Afrique de l'Ouest) ɖe mɔ ɖe Okash ƒe dɔwɔwɔ ŋu le afi sia. Okash ɖea gbɔŋŋ fia APR kple data privacy ƒe ɖoɖowo le dukɔ bubuwo me. Ke hã, mele anyi gbɔŋŋ o be woate ŋu akpɔ Togo ƒe nuŋlɔɖiwo le afi sia.
Dɔwɔƒea ƒe nɔnɔme le dukɔa me enye be enye dɔwɔha vevi aɖe le Kenya kple India. Le Nigeria la, gbɔŋŋ o, eya le dzedzem le dɔwɔha bubuwo megbe. Ke hã, mele anyi gbɔŋŋ o be woate ŋu akpɔ Okash ƒe nɔnɔme le Togo, eye woate ŋu abui be mele anyi gbɔŋŋ o. Dɔwɔha bubuwo abe Tala, Branch, KashKash, kple GoCash ene gbɔ wòle be woakpɔ le Togo. Okash ƒe dɔwɔwɔ ƒe nuŋlɔɖiwo ɖee fia be woƒe APR kɔ, eye woƒe ga xɔxɔ ƒe ɖoɖowo ate ŋu anye nu vevi aɖe na amesiwo xɔ ga. Le esi mele anyi gbɔŋŋ o le Togo ta la, gbɔŋŋ o, mele anyi gbɔŋŋ o be woate ŋu akpɔ Togo-tɔwo ƒe nuŋlɔɖiwo le afi sia.
Nuŋlɔɖi Kple Aɖaŋuɖoɖo Na Ga Xɔlawo Le Togo
Nuŋlɔɖi sia ku nu me tso Okash ƒe dɔwɔwɔ ŋu le dukɔ bubuwo me, ke mele anyi gbɔŋŋ o be woate ŋu akpɔ Togo ƒe nuŋlɔɖiwo le afi sia. Okash mele dɔ wɔm le Togo le mɔ si gbɔŋŋ nu haɖe o, togbɔ be ame geɖe ɖee ɖa tso app store hã. Ganyawo, asixexewo, kple dɔwɔwɔ ƒe nɔnɔmewo siwo míeyɔ le nuŋlɔɖi sia me la tso dukɔ bubuwo gbɔ, eye womedze sii gbɔŋŋ be wòle dɔ wɔm le Togo o.
Nu veviwo siwo gbɔ wòle be Okash nakpɔ hafi adze dɔ gɔme gbɔŋŋ le Togo enye be woaxɔ mɔɖeɖe tso BCEAO gbɔ, woawɔ dɔ kple hadziŋlɔlawo (telcos alo MFBs), woatu woƒe ga-ŋlɔɖi ƒe ɖoɖowo ɖe Togo ƒe data dzi, eye woaɖe woƒe nɔnɔmewo ɖe Togo-tɔwo ƒe ganyenye nu. Gbɔŋŋ o, ele vevie be Togo-tɔwo kple dukɔa ƒe sewo dzi kpɔlawo nakpɔ egbɔ be Okash ƒe dɔwɔwɔ ƒe ɖoɖowo le Togo ƒe sewo nu.
Aɖaŋuɖoɖo na ame siwo di be yewoaxɔ ga le Togo:
- Kpɔ egbɔ be dɔwɔƒea le gbɔŋŋ: Gbɔŋŋ o, kpɔ egbɔ be Okash xɔ mɔɖeɖe gbɔŋŋ tso Togo ƒe ganyawo dzi kpɔlawo gbɔ hafi nàdze agbagba be yeaxɔ ga le wo gbɔ.
- Srɔ̃ nu tso asixexewo kple fetunana ƒe nɔnɔmewo ŋu nyuie: Ne Okash dze dɔ gɔme gbɔŋŋ hã la, srɔ̃ asixexewo, tsɔtsɔwo, kple fetunana ƒe nɔnɔmewo nyuie. Kpɔ egbɔ be nènya ganyawo katã.
- Kpɔ nyuie be woate ŋu axɔ ga kple eƒe asixexewo: Kpɔ nyuie be èle ga xɔm tso dɔwɔƒe si le gbɔŋŋ, eye ènya ganyawo katã hafi axɔ ga.
- Dzi kpɔkpɔ le data privacy ŋu: Kpɔ egbɔ be woƒe data privacy ƒe ɖoɖowo le Togo ƒe sewo nu, eye womana woƒe nuŋlɔɖiwo ame bubuwo o.
- Biabiawo na Opera Software AS: Ne ɖeɖi le míaƒe nuŋlɔɖiwo ŋu la, biabiawo na Opera Software AS tso woƒe ɖoɖowo ŋu le Togo.
Le nuŋlɔɖi kpekpeɖeŋunana sia me la, míeku nu me tso Okash ƒe dɔwɔwɔ ŋu le dukɔ bubuwo me, eye míeɖe eme be mele anyi gbɔŋŋ o be woate ŋu akpɔ Togo ƒe nuŋlɔɖiwo le afi sia. Gbɔŋŋ o, ele vevie be Togo-tɔwo nakpɔ egbɔ be woƒe ganyawo le gbɔŋŋ, eye wole dɔ wɔm le sewo nu.
