Tala

Tala ƒe Dɔwɔwɔ ƒe Dzɔtsoƒe kple Ale si Wòle Egbea

Tala nye ga-ɖeɖe kple ga-xexe dɔwɔƒe vevie aɖe si ɖea ga fiana amewo to asimɔ̃ dzi, eye wòxɔ ŋkɔ le dukɔ geɖe me, vevietɔ le afisi ganyawo meɖe ablɔɖe na amewo be woaɖe ga le bankewo me bɔbɔe o. Shivani Siroya ye de gɔme na dɔwɔƒe sia le ƒe 2014 me le Santa Monica, California. Tso ɣemaɣi la, Tala zu dɔwɔƒe si kpena ɖe amesiwo mele banke me o alo amesiwo ƒe ganyawo meɖɔ ŋutɔ o ŋu be woate ŋu aɖe ga kple bɔbɔe.

Tala ƒe dɔwɔwɔ ƒe gɔmeɖoanyi nye be yeadzra ga-ɖeɖe ƒe mɔnuwo ɖo ɖe amesiwo meɖe ga le bankewo me le dukɔa me o, alo amesiwo ƒe ga-ɖeɖe ƒe nuŋlɔŋlɔ meɖi egbɔŋ o. Wonyea dɔwɔƒe si tsɔ asimɔ̃ dzi dɔwɔwɔ ɖo ŋgɔ, eye wozãa asimɔ̃ dzi nuŋlɔŋlɔwo kple nuwo ƒe mɔnu vovovowo tsɔ kpɔa ame ƒe ga-ɖeɖe ƒe ɖoƒe gbɔŋ, eye wotsɔa ga-ɖeɖe ƒe akpa sue gbɔŋ ɖo ɖe amewo gbɔ bɔbɔe. Tɔtrɔ siwo wode wo dɔwɔwɔ me la kpe ɖe amewo ŋu be woakpɔ ga-ɖeɖe bɔbɔe, eye nuwo mekpɔa ame gbɔ o.

Togbɔ be Tala le dɔ wɔm le dukɔ geɖe me, abe Kenya, Philippines, Mexico kple India ene hã la, nuŋlɔŋlɔwo gbɔŋ meka ɖe edzi be Tala le dɔ wɔm le Togo dukɔ me le se nu o. Esia gɔme ɖe Mawunyagbɔgblɔ Dukɔwo ƒe Dukɔwo (BCEAO) ƒe sewo gbɔŋ me ɖe ablɔɖe nɛ be wòaɖe ga fia le Togo o. Gake, nukpɔkpɔ tso Tala ƒe dɔwɔwɔ ŋu le dukɔ bubuwo me ate ŋu akpe ɖe Togotɔwo ŋu be woase ale si ga-ɖeɖe ƒe mɔnu siawo le, eye wòate ŋu anye mɔnu nyui aɖe na Togo le etsɔ me.

Tala ƒe Ga-ɖeɖe ƒe Nuwɔnawo kple Eƒe Nuwo

Tala ƒe ga-ɖeɖe ƒe nuwɔnawo tɔtɔna tso dukɔ ɖeka me yi dukɔ bubu me, gake eƒe nuwo gbɔŋ tɔgbuiwo nyea:

• Ame ŋutɔ ƒe Ga-ɖeɖe Sue: Ga-ɖeɖe si gbɔŋ menɔa ɣeyiɣi didi o, eye wòkpena ɖe ame ŋu le nu veviwo gbɔŋ.
• Dɔwɔŋudɔ Ga-ɖeɖe: Ga-ɖeɖe sue si woɖea fiana ame siwo le dɔ sue wɔm be woatsɔ aɖo woƒe dɔwo gbɔŋ. Esia gbɔŋ le teƒe aɖewo ko.

Ga-ɖeɖe ƒe Nuɖeɖe: Ga-ɖeɖe ƒe nuɖeɖe tɔtɔna tso Dollar ewo (10) va ɖo Dollar alafa atɔ̃ (500) gbɔŋ, le dukɔa kple ame ƒe ga-ɖeɖe ƒe nuŋlɔŋlɔ ƒe ɖoƒe nu. Ne ame ɖe ga tsã eye wòxee le ɣeyiɣi gbɔŋ la, eƒe ga-ɖeɖe ƒe nuɖeɖe ate ŋu adzi gbɔŋ. Le dzidzi gbɔŋ nuŋlɔŋlɔwo gbɔŋ la, ame ƒe ga-ɖeɖe ƒe nuɖeɖe ate ŋu adzi gbɔŋ zi eve le eƒe ga-ɖeɖe etɔ̃lia gbɔŋ, eye wòadzi gbɔŋ zi ewo le eƒe ga-ɖeɖe ewolia gbɔŋ.

Ga-dzi-ga kple Nu-xɔxɔwo: Tala meɖea ga-dzi-ga ɖeɖe o, ke boŋ eɖea nu-xɔxɔwo ɖesiaɖe. Eƒe ƒe sia ƒe ga-dzi-ga (APR) le dukɔ siwo me wole dɔ wɔm le la tɔtɔna tso akpatsa 90% va ɖo 182.5%. Esia gɔme ɖe ga-ɖeɖe ƒe asixɔxɔ gbɔŋ le ƒe ɖeka me:

• Ɣeyiɣi nuŋlɔŋlɔ nu-xɔxɔ: Akpatsa 0.43% va ɖo 0.5% gbe sia gbe.
• Dɔwɔwɔ nu-xɔxɔ: Akpatsa 3.99% gbɔŋ le ga-ɖeɖe bliboa gbɔŋ.
• Ga-dzi-ga gãtɔ: Akpatsa 182.5%.

Ga-ɖeɖe ƒe Ɣeyiɣi kple Xexedede: Ga-ɖeɖe ƒe ɣeyiɣiwo tɔtɔna, gake wobiaa amewo gbɔ be woaxe ga le ŋkeke 15 kple 45 dome le ga-ɖeɖe siwo gbɔŋ menɔa didi o gbɔŋ. Le teƒe aɖewo la, woɖea ga fiana ŋkeke 120 hã. Ne ame mexe ga o le ɣeyiɣi gbɔŋ la, woxɔa nu-xɔxɔ tso egbɔ, si nye akpatsa 5% va ɖo 10% le ga si gbɔŋ womexe o gbɔŋ. Tala mebiaa nu-ɖoɖo ɖesiaɖe be woaɖe ga o, kple egbɔŋ la, eƒe ga-ɖeɖe nyea ga-ɖeɖe si gbɔŋ menɔa nuɖoɖo ɖe sia ɖe gbɔŋ o.

Ale si Woɖea Ga Tso Tala Gbɔ kple Eƒe Mɔnuwo

Tala ƒe ga-ɖeɖe ƒe mɔnuwo katã tso asimɔ̃ dzi dɔwɔnu dzi. Esia gbɔŋ fia be ame siwo di be yewoaɖe ga gbɔŋ la, ele be woazã woƒe asimɔ̃wo. Gbɔŋ la, mɔnu siawo gbɔŋ nyea:

Biabia ƒe Mɔnuwo:

• Asimɔ̃ Dzi Dɔwɔnu (iOS/Android): Esia gbɔŋ nyea Tala ƒe dɔwɔwɔ ƒe mɔnu vevitɔ. Ame siwo di be yewoaɖe ga gbɔŋ la, ele be woagbɔŋ dɔwɔnu sia ɖe woƒe asimɔ̃ dzi.
• Website: Tala ƒe website gbɔŋ (tala.co) nyea afisi woate ŋu akpɔ dɔwɔnu gbɔŋ ƒe nuŋlɔŋlɔwo ɖo. Tala mefiaa dɔwɔƒe gbɔŋ le afisi gbɔŋ woɖe ga le o.

Ame Ŋutɔ ƒe Nuŋlɔŋlɔwo Gbɔŋ kple Edzɔdzɔme: Ne ame di be yeazã Tala ƒe nuwɔnawo gbɔŋ la, ele be wòatsɔ eƒe Dukɔmevi ƒe Mɔnu (ID) kple eƒe asimɔ̃ ƒe xexlẽme gbɔŋ afia. Tala zãa mɔnu tɔgbuiwo tsɔ kpɔa eme be nuŋlɔŋlɔwo dzɔ gbɔŋ eye wobua ame ƒe nuŋlɔŋlɔwo gbɔŋ le esi gbɔŋ woate ŋu aɖe ga gbɔŋ. Wonɔa nuŋlɔŋlɔwo gbɔŋ xɔm tso ame ƒe asimɔ̃ ƒe nuŋlɔŋlɔwo, ga-ɖeɖe ƒe mɔnuwo kple ale si ame zãa eƒe asimɔ̃ gbɔŋ.

Ga-ɖeɖe ƒe Mɔnuwo: Ne woɖe ga na ame gbɔŋ la, woɖea ga ɖo ɖe:

• Asimɔ̃ Dzi Ga-ɖeɖe (Mobile Money Transfer): Abe M-Pesa alo GCash ene. Esia gbɔŋ nyea mɔnu vevitɔ le dukɔ geɖe me.
• Banke Ga-ɖeɖe: Ga-ɖeɖe ɖo ɖe ame ƒe banke gbɔŋ.
• Ga-ɖeɖe Gbɔŋ le Nuɖoɖowo Gbɔŋ: Le teƒe aɖewo la, woɖea ga gbɔŋ le nuɖoɖowo gbɔŋ.

Ga-xɔxɔ kple Nuɖoɖowo: Tala zãa asimɔ̃ dzi kpekpeɖeŋuwo, SMS kple yɔyɔwo tsɔ ɖoa ŋku ga-xɔxɔ gbɔŋ ɖe amewo dzi. Le teƒe aɖewo la, wozãa nuɖoɖowo hã tsɔ xɔa ga.

Tala ƒe Dɔwɔwɔ ƒe Dodokpɔ kple Ale si Wòle Togo Dukɔ Me

Tala ƒe asimɔ̃ dzi dɔwɔnu (App) nye eƒe dɔwɔwɔ ƒe gɔmeɖoanyi. Dɔwɔnu sia le Android kple iOS dzi, eye wòkpena ɖe amewo ŋu be woakpɔ ga-ɖeɖe bɔbɔe, aɖo ga, alo axee. Gbɔŋ la, Tala ƒe dɔwɔnu ƒe nuwɔnawo gbɔŋ nyea:

• Ga-ɖeɖe ƒe Kpɔɖeŋu: Ga-ɖeɖe si woɖea fiana bɔbɔe le asimɔ̃ dzi.
• Tala Wallet: Esia gbɔŋ nyea afisi woate ŋu adzra ga ɖo, axe bilye, kple bubuwo.
• AI Chatbot: Esia gbɔŋ kpena ɖe ame ŋu be wòakpɔ ame gbɔŋ si le amefuflɔ ge.

Ame siwo zã Tala ƒe dɔwɔnuwo gbɔŋ ɖea woƒe dzidzeme fiana, eye woxɔa ŋkɔ nyuiwo gbɔŋ. Le Philippines la, eƒe dɔwɔnu xɔ ŋkɔ 4.2/5 le App Store dzi. Le dukɔ bubuwo me la, akpatsa 90% gbɔŋ kpea ɖe amewo ŋu be woaɖe ga tso egbɔ, eye akpatsa 95% gbɔŋ ɖea ga gbɔŋ le ɣeyiɣi gbɔŋ.

Togbɔ be Tala meka ɖe edzi be yele Togo dukɔ me le se nu o hã, eƒe dɔwɔwɔ ƒe akpawo ate ŋu anye mɔnu nyui aɖe na Togo. Le Togo gbɔŋ la, dɔwɔƒe bubuwo abe Branch, Okash, kple dziɖuɖu ƒe Novissi gbɔŋ le dɔ wɔm. Ne Tala di be yeadze dɔ gɔme le Togo la, ele be wòaɖe mɔnu tso BCEAO gbɔ, eye wòaɖo nuɖoɖowo kple dɔwɔƒe bubuwo le Togo.

Aɖaŋuɖoɖo na Ame siwo Di be Yewoazã Tala ƒe Nuwɔnawo

Esi Tala meka ɖe edzi be yele Togo dukɔ me o gbɔŋ la, mele be Togotɔwo nanyae be womate ŋu aɖe ga tso egbɔ o. Gake, ne Tala gbɔŋ va dze dɔ gɔme le Togo le etsɔ me, alo ne míele eƒe dɔwɔwɔwo sɔŋ ɖe Togo ƒe ga-ɖeɖe dɔwɔƒe bubuwo gbɔŋ la, aɖaŋuɖoɖo siawo gbɔŋ ate ŋu akpe ɖe ame ŋu:

• Srɔ̃ Nu Tso Ga-ɖeɖea Ŋu: Gbɔŋ la, ele be nanya nu si gbɔŋ nètsɔ le ga-ɖeɖea ŋu, eƒe ga-dzi-ga, nu-xɔxɔwo kple ɣeyiɣi si gbɔŋ ele be naxe ga le. Tala ɖea nuŋlɔŋlɔwo fiana, gake ele be naxlẽe nyuie.
• Xlẽ Nuŋlɔŋlɔwo Gbɔŋ: Gbɔŋ la, xlẽ nuŋlɔŋlɔ siwo gbɔŋ tso amesiwo zãe gbɔ, eye nanya nu siwo gbɔŋ ame bubuwo xlẽ le eŋu. Esia gbɔŋ ate ŋu akpe ɖe ye ŋu nanye nu si gbɔŋ nèle ge ɖo.
• Gbɔŋ Ga-ɖeɖe Sue: Gbɔŋ la, dze gɔme kple ga-ɖeɖe sue aɖe, eye naxe bɔbɔe. Esia gbɔŋ aɖo wò ga-ɖeɖe ƒe nuŋlɔŋlɔ gbɔŋ ɖo, eye wòate ŋu akpe ɖe ye ŋu be naxɔ ga geɖe le etsɔ me.
• Kpɔ Egbɔ be Nete ŋu Axe Ga: Gbɔŋ la, kpɔ egbɔ be nèle ga-ɖeɖea xexlẽm ɖe yeƒe ganyawo gbɔŋ, eye nate ŋu axe ga le ɣeyiɣi gbɔŋ. Ne mèxe ga o la, nu-xɔxɔ gbɔŋ adzi gbɔŋ, eye wòagblẽ wò ga-ɖeɖe ƒe nuŋlɔŋlɔ gbɔŋ.
• Zã Asimɔ̃ Dzi Dɔwɔnu Nyui: Tala ƒe dɔwɔnuwo gbɔŋ le asimɔ̃ dzi. Kpɔ egbɔ be nèle dɔwɔnu dzɔdzɔe gbɔŋ zãm, eye nɔ nu yeyewo ɖom ɖe edzi.

Le ganyawo gbɔŋ la, ele be nanye dzɔdzɔenyenye, eye nanya nu si gbɔŋ nèle ge ɖo hafi aɖe ga le afisi gbɔŋ wòle gbɔŋ. Tala ƒe dɔwɔwɔ gbɔŋ nyea mɔnu yeye aɖe si ate ŋu akpe ɖe amewo ŋu, gake ele be nanye dzɔdzɔenyenye le eŋu. Le Togo dukɔ me la, mɔnu bubuwo li siwo gbɔŋ ate ŋu axɔ kɔ na amewo.