Yup ƒe Dzɔtsoƒe Kple Eƒe Dɔwɔwɔ le Togo
Yup, si nye Société Générale ƒe asinudɔwɔla, dze eƒe dɔ gɔme le Côte d’Ivoire kple Senegal le September 14, 2017 dzi. Togbɔ be eƒe taɖodzinue nye be yeatsɔ gaɖoɖo kple ganyawo ƒe dɔwɔnawo akpe ɖe amesiwo dzi ganyawo meɖo o le Afrika ƒe ɣetoɖoƒe la ŋu hã la, ɖe woɖe eɖokui fia le Togo le ƒe 2018 me. Société Générale wɔ ɖeka kple Tagpay, si nye Franse ganyateƒeƒoŋunɔŋlɔ dɔwɔha, tsɔ kpe ɖe eŋu wòzã NSDT ƒe adzamekpɔnuŋunɔŋlɔ mɔzɔzɔa. Yup ƒe susu vevitɔe nye be yeazã akpata gã aɖe si me dɔwɔlawo le—siwo nye dɔwɔƒewo, afisi wotsɔa nuwo ɖia tẽ ƒe teƒewo, kple nutomedɔwɔlawo—tsɔ kpe ɖe amesiwo gbɔ bank akɔntabubu meɖo o la ŋu be woakpɔ gaɖoɖo ƒe dɔwɔnawo. Esi wònye Togotɔwo ƒe 80% alo 90% mekpɔa bank akɔntabubu o ta la, dɔwɔna sia do ŋugbe gã aɖe be yeatsɔ ganyawo akpe ɖe wo ŋu.
Ke hã, togbɔ be Yup ƒe dɔwɔwɔ do ŋugbe hã la, dɔa medze edzi le Togo o. Eƒe dɔwɔwɔ le akpa gãtɔ me medze edzi o, eye ga geɖe hã bu. Esia na be le ƒe 2022 ƒe gɔmedzedze lɔƒo la, Société Générale ɖe asi le Yup ƒe dɔwɔwɔwo katã ŋu le eƒe Afrika ƒe asinudɔwɔlawo dome, si me Togo hã le. Wodze asiɖeɖe le dɔwɔƒea ŋu ƒe nudzɔdzɔwo gɔme. Esia fia be Yup ƒe dɔwɔwɔ le Togo mekpɔ dzidzedze o, eye wodo kpo nu le eƒe taɖodzinuwo gbɔgblɔ me.
Yup ƒe Gaɖoɖo Kple Eƒe Nuwo Tsɔtsɔ Na Ame
Yup do ŋugbe be yeatsɔ gaɖoɖo ƒe nuwo atsɔ ana amewo, siwo dometɔ aɖewo nye: payday advance (gaɖoɖo si wotua asi ɖe fetu si gbɔna dzi), gaɖoɖo vivivi si woazã ɖe nuwo ƒleƒle ŋu, kple gaɖoɖo si woana dɔwɔwɔ kpatawo. Ke hã, le Togo la, gaɖoɖo ƒe nuwo meva dze edzi bliboe hafi woɖe asi le dɔwɔƒea ŋu o. Esia fia be Yup do ŋugbe nuwo ke hã, mekpɔ mɔ be yeatsɔ wo ana Togotɔwo hafi dɔa va nuwuwu o.
Le gaɖoɖo ƒe akɔntabubu, fetuwo, kple nu bubuwo gome la, womeɖe Yup ƒe nɔnɔmewo fia le Togo hafi woɖe asi le dɔa ŋu o. Nuŋlɔɖiwo alo dɔwɔƒea ƒe nyadzɔdzɔgbalẽwo meƒo nu tso gaɖoɖo ƒe didime suetɔ kple gãtɔ, alo gaɖoɖo ƒe fetu si woxɔna le ƒe ɖeka me (APR) ŋu o. Esia na be amewo menya nu tso gaɖoɖo siawo ƒe nɔnɔmewo kple eƒe fetuwo ŋu nyuie o. Womeƒo nu tso nu siwo woatsɔ ada ɖe gaɖoɖo ƒe akɔntabubu dzi ŋu hã o, gake wobu akɔ be anye gaɖoɖo vivivi si me womebiaa nuɖiɖeɖe o, ke boŋ wozãnɛ le Yup ƒe dɔwɔwɔ ƒe nuŋlɔɖiwo dzi.
Gaɖoɖo Biawɔwɔ Kple Mɔzɔzɔ Via ƒe Nɔnɔmewo
Yup ɖo mɔnu eve ɖe gaɖoɖo biawɔwɔ kple eƒe dɔwɔwɔwo ŋu: eƒe mɔzɔzɔ via si wozãna le asitelefon dzi (iOS kple Android) kple eƒe dɔwɔlawo ƒe akpata. Mɔzɔzɔ via nɔna ɖe asitelefon dzi, eye amewo ate ŋu azãe atsɔ akpɔ woƒe akɔntabubu dzi, atsɔ agblɔ ga, axɔ ga, aɖo ga, alo axe nu bubuwo ƒe fetu. Gake dɔwɔlawo ƒe akpata la gbɔe amewo ate ŋu ayi aɖe ga, aɖo ga, alo awɔ nu bubuwo siwo mele asitelefon dzi o. Le ƒe 2018 me la, Yup ƒe dɔwɔlawo ƒe xexlẽme wu alafa ade (600) le Côte d’Ivoire kple Senegal, eye wobu akɔ be woagbɔe aɖo Ghana, Cameroon, Burkina Faso, Guinea, kple Togo hã.
Eƒe dɔwɔwɔ ƒe mɔzɔzɔ via (app) ɖi nu bubuwo siwo katã wozãna le asitelefon dzi. Woate ŋu axlẽe le Franse kple Eŋglis gbe me. Wogblɔ be woate ŋu awɔ akɔntabubu ƒe dɔwɔwɔ le minit ewo (10) me ko, gake womede nu me be esia ku ɖe Togo ŋutɔ ŋu o. Nu siwo le mɔzɔzɔ via dzi la dometɔ aɖewo nye ga ɖoɖo/xɔxɔ, fetuwo xexe, asi tɔtrɔ, kple gaƒoɖokpe ƒleƒle. Yup zãa KYC (Know Your Customer) ƒe sewo tsɔ kpɔa amewo ƒe agbalẽwo kple woƒe nuŋlɔɖiwo. Woate ŋu awɔ nuŋlɔɖiwo tso mɔzɔzɔ via dzi alo tso dɔwɔlawo gbɔ, eye woakpɔ amedzro ƒe agbalẽwo dzi le dɔwɔlawo gbɔ. Yup zãa nuŋlɔɖiwo kple mɔzɔzɔ via ƒe nudzɔdzɔwo tsɔ bua akɔ na amewo be woakpɔ gaɖoɖo ƒe mɔnuwo, gake womeɖe nuŋlɔɖiwo fia tso nu sia ŋu le Togo o.
Yup ƒe Nɔƒe le Asime Kple Dɔwɔwɔ ƒe Dzidzedzekpɔkpɔ
Le Togo ƒe ganyawo ƒe asime la, Yup ƒe hoʋiʋiʋiʋila vevitɔwoe nye TMoney (si le Togocom si, le asime ƒe alafa enyi (61%)) kple Flooz (si le Moov Africa si, le asime ƒe alafa etɔ̃-vɔ-asiekɛ (39%)). Nu bubuwo hã nɔ anyi, abe Orabank M-Banking kple Coris Money ene. Yup ɖe eɖokui fia be eya ye nye nu yeye aɖe elabena eɖo nuwo katã ƒe dɔwɔwɔwo ɖe teƒe ɖeka, eye wòkpe ɖe amesiwo gbɔ bank meɖo o kple amesiwo le bank me siaa ŋu. Hekpe ɖe eŋu la, eƒe dɔwɔwɔwo bɔbɔ eye wòsɔ gbɔ be woakpɔ gaɖoɖo kple nu bubuwo. Gake togbɔ be Société Générale le eƒe megbe hã la, Yup mekpɔ ŋgɔgbe nɔƒe le Togo ƒe asime o hafi woɖe asi le eŋu le ƒe 2022 me. Womeɖe Yup ƒe amedzro xexlẽme siwo ɖo Togo ŋutɔ ŋu fia o, gake wobu akɔ be mekpɔ dzidzedze gã aɖe o.
Yup ƒe dɔwɔwɔ ƒe dzidzedzekpɔkpɔ do kpo nu le Togo le nusianu gome. Hoʋiʋi gã aɖe nɔ anyi tso TMoney kple Flooz gbɔ, eye Yup ƒe dɔwɔlawo ƒe akpata hã mede to o le ga yomekpɔkpɔ gome. Nu si tae wòdo kpo nu la dometɔ aɖee nye be dɔwɔlawo mekpɔa ga nyuie o, eye mɔzɔzɔ via hã mexɔ ŋkɔ nyuie o. Société Générale ƒe taɖodzinue nye be woakpɔ ŋutsu kple nyɔnu miliɔn ɖeka (1 million) siwo zãa Yup ƒe akɔntabubuwo le ƒe 2020 me, gake mekpɔ dzidzedze o. Esia na be Yup ƒe dɔwɔwɔwo katã bu ga geɖe, si na be Société Générale ɖe asi le eŋu le Afrika dukɔwo katã me, si me Togo hã le. Le Douala le December 29, 2022 dzi la, wogblɔ be woaɖe asi le Yup Cameroon ŋu, eye woawɔ nu sia ke le Burkina Faso, Guinea, Ghana, kple Togo hã.
Aɖaŋuɖoɖowo Na Amesiwo Di Gaɖoɖo
Le esiawo katã megbe la, nu vevitɔ si mɔkpɔkpɔ gaɖoɖo amewo ƒe mɔnuwo le Togoe nye be Yup medze dɔ fifia o. Woɖe asi le eƒe dɔwɔwɔwo katã ŋu le ƒe 2022 me. Eyata, amesiame si di be yeakpɔ gaɖoɖo ƒe nuwo tso Yup gbɔ la, mele anyi o. Ke boŋ, anyo wu be woalé ŋku ɖe hoʋiʋiʋiʋila bubu siwo le asime dzi, abe TMoney kple Flooz ene. Nu bubu siwo ade dɔwɔwɔ nu lae nye be wole mɔ kpɔm be bank bubuwo kple ganyateƒeƒoŋunɔŋlɔ dɔwɔƒe bubuwo hã ava ɖe woƒe dɔwɔwɔwo fia le Togo.
Amesiame si di be yeakpɔ gaɖoɖo le Togo la, ele be wòalé ŋku ɖe nu vevi aɖewo ŋu:
- Kpɔ Fetua Dzi Nyui: Gaɖoɖo ɖesiaɖe si miele gbɔgblɔm la, mikpɔ eƒe fetu, eƒe akɔntabubu, kple nu bubu siwo bia woƒe xexlẽme dzi nyuie.
- Hoʋiʋiʋiʋilawo Kpɔkpɔ Dzi: Mibu hoʋiʋiʋiʋila vovovowo ƒe gaɖoɖo ƒe nɔnɔmewo kple woƒe fetuwo ƒe akɔnta hafi mitiae.
- Nuŋlɔɖiwo Kple Adzamekpɔkpɔ: Mida asi ɖe gaɖoɖo ƒe nuŋlɔɖiwo kple adzamekpɔkpɔ ƒe sewo dzi nyuie, be woakpɔ miaƒe ganyawo ta.
- Amesiame Si Zãa Gaɖoɖo: Mienye Togotɔwo, eye Togotɔwo ƒe nuŋlɔɖiwo kple woƒe nuɖuɖu ƒe nɔnɔmewo gbɔe gaɖoɖo dɔwɔƒe ɖesiaɖe gbɔna.
Yup ƒe nuteƒekpɔkpɔ ɖee fia be togbɔ be dzidziɖedzi kple mɔkpɔkpɔ geɖe le ganyateƒeƒoŋunɔŋlɔ dɔwɔwɔ me le Afrika hã la, ele be dɔwɔƒe siawo nanye esiwo dze dɔwɔwɔ gɔme tẽ kple esiwo sɔ ɖe nutoa me tɔwo ƒe nɔnɔmewo ŋu. Ele be woakpɔ dɔwɔlawo ƒe hehenana dzi nyuie, eye woade ga yomekpɔkpɔ ƒe mɔnuwo siwo sɔ ɖe Togotɔwo ƒe zɔzɔ kple nuwɔna ŋu.
