PalmPay

Dɔwɔƒea ƒe Nyawo Kple Gɔmeɖoanyi le Togo

PalmPay Togo SARL, si nye gaŋudɔwɔwɔ ƒe dɔwɔƒe vevitɔ le Togo, ɖo eɖokui anyi kasikasii be wòanye asigbeɖeɖe kple fetu nana ƒe dɔwɔƒe gbogbotɔ kekeake. Woɖo dɔwɔƒe sia ƒe gɔmeɖoanyi le ƒe 2019 me, gake egɔme dze dɔwɔwɔ le Togo le ƒe 2021 ƒe afã evelia me. Enye PalmPay Group ƒe alɔdɔwɔƒe, si nye Transsion Digital Financial Services ƒe akpa aɖe, eye Transsion Holdings ye le edzi kpɔm. PalmPay Togo ƒe agbalẽŋlɔŋkɔ le Togolese Commerce and Credit Register me nye TGR-2021-08356, eye eƒe dɔwɔƒe vevitɔ le Lomé, Avenue du Colonel Chabrol.

Dɔwɔƒea ƒe taɖodzinu vevitɔe nye be yeakpe ɖe amesiwo mexɔ ga tso bankiwo gbɔ bɔbɔe o, kple asitsatsa kpuiŋlɔŋlɔwo ŋu be woate ŋu axɔ ga bɔbɔe to asikpeŋkeke dzi. PalmPay ƒe dɔwɔwɔ ƒe mɔnu le teƒe geɖe; etoa nudzadzrawo ƒe akɔntabubu gbɔ xɔa ga (e.g., gaɖoɖo tso ame de ame gbɔ, akɔntawo ɖeɖe, asikpeŋkeke dzi gaɖoɖo, kple nudzadzraƒe QR-code dzi nudzadzrawo), eye woxɔa fetu tso ga siwo wonana amewo gbɔ hã. Wokpea ɖe dɔwɔƒea ƒe asi gbogbo ŋu to nuwɔwɔ kple asikpeŋkeke dɔwɔƒe bubuwo kple gaŋudɔwɔwɔ ƒe dɔwɔƒe bubuwo hã.

Aïcha Agbota ye nye Dutaŋgɔŋlɔŋkɔ ƒe Dzikpɔla le Togo, Kodjo N’dri ye nye Fetu Nana ƒe Dzikpɔla Gã, eye Marie Louise Amouzou ye nye Nuŋɔŋlɔŋkɔ ƒe Dzikpɔla Gã. Woƒe ɖoɖoa kpena ɖe dɔwɔƒea ŋu be wòayi eŋgɔ bɔbɔe, eye wodea dzi ƒo na asitsatsa kpuiŋlɔŋlɔwo kple amesiwo hiã ga kpuiwo be woakpɔ ga atsɔ awɔ woƒe dɔwo.

PalmPay ƒe Fetu Nana Kple Dɔwɔwɔ Bubuwo

PalmPay Togo nana fetu ƒomevi vovovowo siwo ɖi teƒe na amesiwo hiã ga kpuiwo alo asitsatsa kpuiwo. Gaŋudɔwɔwɔ ƒe mɔnu vovovowo siwo wonana la kpena ɖe amewo ŋu be woakpɔ ga tsɔ awɔ woƒe nudzadzra veviwo. Agbalẽŋlɔŋkɔ siaa le afisia:

Fetu ƒe Agbalẽŋlɔŋkɔwo:

• Ame ŋutɔ ƒe Fetu Bɔbɔe (Personal Flexi):
  • Ga sue kekeake: 5 000 XOF
  • Ga gã kekeake: 100 000 XOF
  • Fetu ƒe akɔntabubu: 1.2%–2.5% le ɣleti ɖesiaɖe me (e.g., 14.4%–30% le ƒe ɖeka me)
  • Gaɖoɖo ƒe ɣeyiɣi: ŋkeke 30–90; wote ŋu ɖoa ga zi ɖeka alo zi etɔ̃
  • Dzadzraɖo kple fetu bubuwo: Gɔmeɖoanyi ƒe fetu: 1.5% blibo; fetuɖoɖo ƒe ɣeyiɣi ƒe fetu: 0.5% le ŋkeke ɖesiaɖe me; mexɔ nuɖoɖo o
• Asitsatsa ƒe Fetu (Business Boost):
  • Ga sue kekeake: 20 000 XOF
  • Ga gã kekeake: 500 000 XOF
  • Fetu ƒe akɔntabubu: 1.0%–2.0% le ɣleti ɖesiaɖe me (e.g., 12%–24% le ƒe ɖeka me)
  • Gaɖoɖo ƒe ɣeyiɣi: ɣleti 3–6; wote ŋu ɖoa ga zi ɖeka alo zi etɔ̃
  • Dzadzraɖo kple fetu bubuwo: Gɔmeɖoanyi ƒe fetu: 2% blibo; nuɖoɖo: nudzraɖoƒe ƒe nudzraɖoƒe ƒe gbedodoɖa ƒe nuɖoɖo le dɔ me
• Dɔwɔɖui Fetu (Salary Advance):
  • Ga sue kekeake: 10 000 XOF
  • Ga gã kekeake: 200 000 XOF
  • Fetu ƒe akɔntabubu: 0.8%–1.5% le ɣleti ɖesiaɖe me (e.g., 9.6%–18% le ƒe ɖeka me)
  • Gaɖoɖo ƒe ɣeyiɣi: ŋkeke 30; gaɖoɖo zi ɖeka le dɔwɔɖui ɖeɖe ƒe ŋkeke dzi
  • Dzadzraɖo kple fetu bubuwo: Gɔmeɖoanyi ƒe fetu: 1% blibo; edia dɔwɔƒe dziŋlɔŋlɔ

Le fetu siawo katã gbɔ la, PalmPay hã nana dɔwɔwɔ bubuwo siwo nye gaɖoɖo tso ame de ame gbɔ (P2P), akɔntawo ɖeɖe (e.g., elektrik ga, tsi ga, TV ga), asikpeŋkeke dzi gaɖoɖo. Woawo hã kpena ɖe amewo ŋu be woakpɔ ga ƒe nudzadzrawo le teƒe ɖeka. PalmPay hã ɖo gaɖoɖoƒe aɖe (Savings Wallet) si nana ga si nɔa anyi ɖaa ƒe akɔntabubu le ƒe ɖeka me si gbɔna 7%, le woƒe nuwɔwɔ kple gaŋudɔwɔƒe kpui bubuwo gbɔ.

Fetu Gbɔgblɔ Kple Emɔnuwo

PalmPay ƒe fetu hiãhiã kple dɔwɔwɔ ƒe mɔnuwo bɔbɔe eye woɖo wo ɖe asikpeŋkeke dzi dɔwɔwɔ nu. Esia nana be amewo ate ŋu akpɔ gaɖoɖo bɔbɔe le afisi ke woɖale o.

Nuhiãhiã kple Dɔwɔwɔ:

• Asikpeŋkeke dzi Dɔwɔwɔ (Mobile App): Wonaa fetuhiãhiãwo kple nudzadzrawo katã to asikpeŋkeke dzi dɔwɔwɔ me (iOS kple Android). Afisiae wozãa nudzadzraŋkɔwo tsɔ ɖea amesi gbɔ ga tsoa alo ga yia ƒe ŋkɔwo (KYC), woxea ga, eye woɖoa gaɖoɖo ƒe ɣeyiɣiwo.
• Website Portal: Wozãa websitea hena akɔntadzikpɔkɔnuwo kple biabiaŋkɔwo gbɔɖoɖo, gake menye afisiae wozãa fetuhiãhiãwo o.
• Dɔwɔla ƒe Dɔwɔƒe (Agent Network): Woate ŋu akpɔ PalmPay ƒe dɔwɔlawo le asikpeŋkeke dɔwɔƒe bubuwo ƒe afisiwo woɖo ɖe Lomé kple Kara.

Nudzadzraŋkɔwo Kple Gɔmeɖoanyi (KYC & Onboarding):

Be woate ŋu axɔ fetu tso PalmPay gbɔ la, ehiã be woawɔ nudzadzraŋkɔwo ƒe nudzadzraŋkɔŋlɔŋkɔ. Esiawoe nye:

• Dutaŋlɔŋlɔŋkɔ ƒe Nudzadzraŋkɔŋlɔŋkɔ (Digital ID Verification): Ele be woaŋlɔ dukɔŋlɔŋlɔŋkɔ (CNI) ƒe agbalẽ dzi kple ame ŋutɔ ƒe foto.
• Nɔƒe Dziŋlɔŋlɔ (Address Verification): Wokpena ɖe asikpeŋkeke dzi gaɖoɖo ƒe akɔnta ŋu eye woŋlɔa elektrik ga alo tsi ga ƒe agbalẽ dzi.
• Gbedodoɖa Kasikasii (Automated Approval): Wonaa fetu xɔxɔ ƒe nudzadzraŋkɔwo le aɖabaƒoƒo kpui aɖewo me to akɔntabubu ƒe mɔnuwo dzi.

Ga ƒe Akɔntabubu Kple Dziŋlɔŋlɔ (Credit Scoring & Underwriting):

PalmPay zãa mɔnu tɔxɛwo tsɔ dea ga ƒe akɔntabubu ɖe amesi hiã ga la dzi:

• Gaŋudɔwɔwɔ ƒe Nudzadzraŋkɔwo (Data Sources): Wozãa nudzadzraŋkɔwo tso PalmPay wallet dzi, asikpeŋkeke dzi gaɖoɖo ƒe dɔwɔwɔ (to telco APIwo dzi), ame gbogbo ƒe nudzadzraŋkɔwo, kple nudzadzraŋkɔ bubuwo (e.g., asikpeŋkeke dzi gaɖoɖo, akɔnta ɖeɖe).
• Akɔntabubu ƒe Mɔnu (Algorithm): Wozãa numekuku ƒe mɔnu si zãa nuŋlɔŋlɔ ƒe nuwɔna, nudzadzraŋkɔwo ƒe nɔnɔme, kple asikpeŋkeke ƒe nudzadzraŋkɔwo.
• Ame ŋutɔ ƒe Dziŋlɔŋlɔ (Manual Review): Wodzroa fetu siwo wu 300 000 XOF me kple asi.

Gaɖoɖo Kple Ga Xɔxɔ (Disbursement & Collections):

• Gaɖoɖo ƒe Mɔnuwo (Disbursement Channels): Wote ŋu ɖoa ga to asikpeŋkeke dzi gaɖoɖo gbɔ (MTN MoMo, TMoney), banki akɔnta gbɔ, alo ga xɔxɔ le dɔwɔla ƒe dɔwɔƒe.
• Gaɖoɖo ƒe Mɔnuwo (Repayment Methods): Wote ŋu ɖoa ga to asikpeŋkeke dzi dɔwɔwɔ me, USSD, alo ga xɔxɔ le dɔwɔla ƒe dɔwɔƒe.
• Ga Xɔxɔ ƒe Mɔnu (Collections Process): Wonaa nuɖoɖoŋlɔŋlɔwo to SMS alo asikpeŋkeke dzi dɔwɔwɔ me. Ne ga meɖo o le ŋkeke 3 megbe la, wodea asi dɔwɔwɔ nu to asikpeŋkeke dzi. Ne ga meɖo o le ŋkeke 60 megbe la, wozãa amesiwo kpea ɖe ga xɔxɔ ŋu.

Asikpeŋkeke Dzi Dɔwɔwɔ, Dukɔŋlɔŋlɔŋkɔ Kple Nɔnɔme le Asigbe

PalmPay Togo ƒe dɔwɔwɔ le teƒe geɖe, eye wòkpena ɖe amewo kple asitsatsa kpuiwo ŋu to asikpeŋkeke dzi dɔwɔwɔ kple ɖoɖo nyuiwo me.

Asikpeŋkeke Dzi Dɔwɔwɔ ƒe Nyawo (Mobile App Details):

PalmPay ƒe asikpeŋkeke dzi dɔwɔwɔ le Android kple iOS dzi. Le Google Play Store dzi la, exɔ 4.2/5 tso ame 12 000 kple edzivɔ gbɔ, eye le App Store dzi la, exɔ 4.0/5 tso ame 3 500 kple edzivɔ gbɔ. Dɔwɔwɔa ƒe nudzadzraŋkɔwo nye:

• Gaɖoɖo ƒe fetuhiãhiã to nuɖeɖe dzi
• QR-code dzi nudzadzrawo
• Akɔnta ɖeɖe ƒe dɔwɔwɔ (elektrik ga, tsi ga, TV ga)
• Gaɖoɖoƒe (Savings Wallet) si nana ga ƒe akɔntabubu si gbɔna 7% le ƒe ɖeka me (to nuwɔwɔ kple gaŋudɔwɔƒe kpui bubuwo dzi)

Dukɔŋlɔŋlɔŋkɔ Kple Dziŋlɔŋlɔ (Regulatory & Compliance):

PalmPay Togo nye dɔwɔƒe si xɔ Dukɔŋlɔŋlɔŋkɔ tso Togolese Ministry of Finance gbɔ be wòanye gaŋudɔwɔƒe kpuiŋlɔŋlɔ (Decree No. 2020-MFBPH/SG/DGC/CL-MG). Central Bank of West African States (BCEAO) ye le edzi kpɔm. PalmPay toa BCEAO ƒe nudzadzraŋkɔwo dzi le fetu nana kple nudzadzraŋkɔŋlɔŋlɔ ŋu. Wokpɔa edzi be woate nu awɔ nuɖoɖoŋlɔŋllɔwo ƒe nudzadzraŋkɔwo (AML) kple asigbeɖeɖe ƒe nudzadzraŋkɔwo (CFT), eye amewo gbɔ dzroa wo me zi geɖe. Setofefe ƒe nudzadzraŋkɔŋlɔŋlɔ siwo woŋlɔ ɖe agbalẽ me o.

Nɔnɔme le Asigbe (Market Position):

PalmPay kpɔa gaŋudɔwɔwɔ kpuiŋlɔŋlɔ ƒe asigbe ƒe 30% le Togo. Dɔwɔƒe bubu siwo le woƒe nudzadzraŋkɔwo me nye Tala, Baobab, OKO Finance, kple MTN MoMo Loans. PalmPay ƒe nudzadzraŋkɔwo le teƒe geɖe:

• Wonaa gaŋudɔwɔwɔ ƒe dɔwɔwɔ bubuwo (e.g., akɔnta ɖeɖe, gaɖoɖoƒe).
• Fetuhiãhiãwo ƒe ɖoɖo kaba (le aɖabaƒoƒo kpui aɖewo me le gaƒoƒo 24 me).
• Dɔwɔla ƒe dɔwɔƒe si nana ga xɔxɔ ƒe mɔnuwo.

Dɔwɔƒea le agbɔ sɔm kabakaba, kple amesiwo zãa nudzadzraŋkɔwo siwo ƒe xexlẽme dzi ɖe edzi kple 120% le ƒe 2023–2024 me, kple 85% le ƒe 2024–2025 me. Wole gbɔgblɔm be woaɖe woƒe dɔwɔwɔ ɖe Benin kple Burkina Faso hã le ƒe 2025 ƒe nuwuwu. Wokpena ɖe asikpeŋkeke dɔwɔƒe bubuwo (MTN, Moov Togo), bankiwo (Ecobank Togo), kple elektrik ga dɔwɔƒe (Togo Electricité) ŋu.

Nuɖoɖo na Fetu Hiahiãtɔwo kple Nu Veviwo

Ne èle PalmPay Togo ƒe fetu hiãhiã tsim la, ele vevie be nàkpɔ nu vevi aɖewo dzi tsã hafi nàwɔ nudzadzraŋkɔŋlɔŋlɔ. Nudzadzraŋkɔ siawo kpena ɖe amewo ŋu be woawɔ nudzadzraŋkɔŋlɔŋlɔ nyuiwo.

Nuɖoɖo na Fetu Hiahiãtɔwo:

• Srɔ̃ Gaɖoɖo Kple Fetu ƒe Akɔntabubu Nyui: Ele vevie be nàsrɔ̃ gaɖoɖo kple fetu ƒe akɔntabubuwo nyui hafi nàxɔ fetu. Kpɔ egbɔ be yexɔe le akɔntabubu ɖekaŋlɔŋlɔŋkɔ ƒe dɔwɔwɔ me, be yeadze sii be nane menye dɔwɔwɔ o.
• Zã Asikpeŋkeke Dzi Dɔwɔwɔ ƒe Nudzadzraŋkɔwo: PalmPay ƒe asikpeŋkeke dzi dɔwɔwɔ nana nudzadzraŋkɔwo geɖe siwo kpea ɖe fetu dzikpɔkɔŋlɔŋlɔ kple akɔnta ɖeɖe ŋu. Zã nudzadzraŋkɔwo nyuie be nàkpɔ ganyawo dzi nyuie.
• Bu Nuɖoɖo ƒe Gaɖoɖo ƒe Fetu Ŋu: Ne mèkpɔ gaɖoɖo ƒe fetu o la, ɖo ŋkɔ ɖe egbɔ be woaxɔ nudzadzraŋkɔ ƒe fetu gã aɖewo. Kpɔ egbɔ be yede gaɖoɖo ƒe ŋkɔ ɖe wò akɔnta dzi be woaɖe ga la ne ɣeyiɣia ɖo.
• Kpɔ Amekpakpɔ ƒe Nudzedziŋkɔŋlɔŋlɔ ƒe Nyawo: Ne èle biabiam alo le kuxiwo me la, kpɔ amekpakpɔ ƒe nudzedziŋkɔŋlɔŋlɔ dzi. Ðikeke mele eme o be woate ŋu axɔ gaƒoƒo 15 hafi woakpɔ wò nudzedziŋkɔŋlɔŋlɔ.
• Tsɔe Sɔ Kple Dɔwɔƒe Bubuwo: Hafi nàxɔ fetu tso PalmPay gbɔ la, tsɔe sɔ kple fetu bubu siwo le asigbe dzi (e.g., Tala, Baobab). Kpɔ egbɔ be yexɔ fetu si nyuitɔ kekeake le wò nɔnɔme me.

Amekpakpɔ ƒe Nudzedziŋkɔŋlɔŋlɔ Kple Nudzedziŋkɔŋlɔŋlɔ:

Amewo ƒe nudzedziŋkɔŋlɔŋlɔwo ɖea fia be PalmPay nye dɔwɔƒe nyui aɖe, gake egbɔŋlɔŋlɔwo hã li:

• Nudzadzraŋkɔŋlɔŋlɔ Nyuiwo: Gaɖoɖo kaba, nudzadzraŋkɔŋlɔŋlɔ bɔbɔe, kple akɔnta ɖeɖe ƒe dɔwɔwɔ.
• Nudzadzraŋkɔŋlɔŋlɔ Gbegblẽwo: Asikpeŋkeke dzi dɔwɔwɔ te ŋu ƒoa gbeŋlɔŋlɔŋlɔ ɖe asikpeŋkeke dziŋlɔŋlɔŋlɔwo dzi, nudzadzraŋkɔŋlɔŋlɔ gãwo ne gaɖoɖo ƒe ŋkɔ ɖo, kple amekpakpɔ ƒe nudzedziŋkɔŋlɔŋlɔwo gbɔɖoɖo ƒe ɣeyiɣi didi.

Le esiawo katã megbe la, PalmPay Togo ɖo eɖokui anyi be wòanye dɔwɔƒe vevitɔ le Togo ƒe gaŋudɔwɔwɔ ƒe asigbe dzi. Eƒe nudzadzraŋkɔŋlɔŋlɔwo, gaɖoɖo kaba, nuŋlɔŋlɔŋkɔŋlɔŋlɔ ƒe dɔwɔwɔ nyui, kple nuwɔwɔ kple dɔwɔƒe bubuwo kpena ɖe eŋu be wòanye dɔwɔƒe si dzi woate ŋu aka ɖo le asigbeŋlɔŋlɔŋlɔ me.