I-Kiosk yemali ephathwayo

I. Isishwankathelo seMveliso yeKiosk yeMali eSelfowuni

II. Isikhundla seMarike seHongzhou Smart njengeFektri yoMthombo

• Amandla eMveliso yeMithombo yeHlabathi : Sinesiseko esikhulu semveliso sanamhlanje, esifezekisa imveliso esemgangathweni nezenzekelayo yeMobile Money Kiosk, enemveliso yonyaka engaphezulu kwe-100,000 yeeterminals zokuzinceda. Njengomzi-mveliso wemithombo ozimeleyo onezakhono zophando nophuhliso kunye nokuvelisa, siye sasusa amakhonkco aphakathi, sibonelela abathengi ngeemveliso zokusebenza ezibiza kakhulu kunye neenkonzo zokwenza ngokwezifiso eziguquguqukayo, kwaye sifumene udumo olubanzi kubathengi kumazwe angaphezu kwama-90 nakwiindawo kwihlabathi liphela.
• Umboneleli oPhambili kwiShishini : Ngamalungelo obunikazi bobukrelekrele azimeleyo kunye noyilo olupheleleyo lwekhonkco lemizi-mveliso, siye saba ngumboneleli oyintloko weMobile Money Kiosk kwiibhanki ezininzi zehlabathi ezaziwayo, abaqhubi bezonxibelelwano kunye namaziko emali. Iimveliso zethu ziphumelele iziqinisekiso zomgangatho wamazwe ngamazwe ezifana ne-CE, i-FCC kunye ne-RoHS, zihlangabezana nemigangatho yokungenisa amazwe ahlukeneyo kunye nemimandla, kwaye zibeka isiseko esiqinileyo sokwandiswa kwemarike.
• Umlinganiselo kwiNdawo yeMarike yaseAfrika : Sigxile kwimarike yaseAfrika, simisele uyilo olupheleleyo lwemarike kunye nenkqubo yenkonzo emva kokuthengisa, kunye neemveliso ezigubungela amazwe amakhulu aseAfrika afana neKenya, iNigeria, uMzantsi Afrika, iUganda kunye neGhana. Sixhamla ekukhuleni ngokukhawuleza kwentlawulo yeselula eAfrika—apho iiakhawunti zentlawulo yeselula ziye zaba yindawo yokungena esemthethweni yenkonzo yemali kubantu abangaphezu kwama-70% basemaphandleni kwi-Afrika esemazantsi eSahara—siphumelele ukusebenza okumangalisayo kwimarike kwaye saba ngumthengisi okhokelayo kwimarike ye-African Mobile Money Kiosk.

III. Iingenelo eziphambili zeHongzhou Smart kwiCandelo leMizi-mveliso elipheleleyo

(I) Intsimi yoYilo: Uyilo oluHlanganisiweyo, Ukuziqhelanisa neMfuno yeMarike yaseAfrika

• Uhlengahlengiso lweNdalo oluSetyenziswayo: Ijolise kwimeko yokusebenza enzima eAfrika, njengobushushu obuphezulu, uthuli olukhulu kunye nombane ongaguqukiyo, imveliso yenzelwe imisebenzi yokukhusela uthuli, ukungangeni manzi, ukumelana nobushushu obuphezulu kunye nokucima umbane, ukuqinisekisa ukusebenza okuzinzileyo kwiindawo ezishushu, kwiindawo ezikude zasemaphandleni nakwiimeko zangaphandle.
• Uyilo Lokusebenza Olulula Kubasebenzisi: Xa ludityaniswe nenyaniso yokuba abanye abasebenzisi baseAfrika abaqhelananga nezixhobo ze-elektroniki ezintsonkothileyo kunye nokuthandwa kweefowuni ezisetyenziswayo, imveliso isebenzisa ujongano olulula oluqhutywa yimenyu, izilumkiso zemizobo ecacileyo kunye nomsebenzi oncedisayo womyalelo we-USSD, okulula ukuwuqalisa. Kwangaxeshanye, ixhasa ukutshintsha iilwimi ezininzi (kubandakanya isiSwahili, isiHausa, isiZulu, njl.njl.) ukuze ivumelane nemikhwa yolwimi kwimimandla eyahlukeneyo yaseAfrika.
• Ubuchule boYilo oluCwangcisiweyo: Ngokweemfuno zabaqhubi bezonxibelelwano baseAfrika (ezifana ne-M-Pesa eKenya, iPalmPay eNigeria) kunye namaziko emali asekuhlaleni, singenza ngokwezifiso inkangeleko yemveliso, iimodyuli ezisebenzayo kunye nojongano lwenkqubo, kwaye sandise iinkonzo ezongeziweyo ezinje ngokutshaja iifowuni eziphathwayo, ukuthunyelwa kwemali encinci kunye nentlawulo yebhili, okuhambelana ngokugqibeleleyo neemfuno zemarike yasekuhlaleni.
• Ubuchule Bobuchwepheshe Obuqhubekayo: Sithembele kubuchule bophando nophuhliso oluzimeleyo, sifake izicelo zeepatenti ezifana noomatshini bokutshintshiselana ngemali ngokuzenzekelayo kunye namalungelo okushicilela esoftware azimeleyo afana nesoftware yomatshini wokutshintshiselana ngemali yangaphandle, kwaye sidibanise ubuchwepheshe obutsha obufana ne-NFC kunye nokuchongwa kwebhayomethrikhi ukuphucula imisebenzi yemveliso, sihambelana nomkhwa wophuhliso lwentlawulo yeselula e-Afrika.

(II) ICandelo loMveliso: Ulawulo oluQondileyo loMgangatho, Ukuhanjiswa okuSebenzayo

• Imveliso Ezenzekelayo Esemgangathweni: Sebenzisa izixhobo zemveliso eziphambili kunye netekhnoloji yokuhlanganisa ukuze kufezekiswe imveliso esemgangathweni nezenzekelayo, ukunciphisa iimpazamo ezenziwe ngesandla, ukuqinisekisa ukuhambelana kunye nozinzo lomgangatho wemveliso, kunye nokuhlangabezana neemfuno ezinkulu zemarike yaseAfrika.
• Uhlolo loMgangatho oluGcweleyo: Misela inkqubo yokuhlola umgangatho epheleleyo, yenza uhlolo olungqongqo kwizinto ezikrwada, iimveliso ezigqityiweyo kancinci kunye neemveliso ezigqityiweyo, kwaye zonke iimveliso ziphumelele iziqinisekiso zomgangatho wamazwe ngamazwe, ukuqinisekisa ukuba ziyakwazi ukuziqhelanisa nemeko yokusetyenziswa okunzima eAfrika kwaye zinciphise iindleko zokugcina kamva.
• Uthungelwano lokuNikezela oluSebenzayo kunye nokuHanjiswa: Lungiselela ulawulo lwethungelwano lokuNikezela lwehlabathi, sebenzisana nababoneleli abaziwayo behlabathi ukuqinisekisa uzinzo lokunikezelwa kwezinto eziluhlaza; ngemveliso enamandla, sinokuqinisekisa ukuhanjiswa ngexesha elifanelekileyo, sisombulule ingxaki yomjikelo wokuhanjiswa kwexesha elide kubathengi baseAfrika, kwaye sincede abathengi baqalise imakethi ngokukhawuleza.
• Inzuzo yoLawulo lweendleko: Njengomzi-mveliso osisiseko, sinenzuzo yemveliso edibeneyo, enokulawula ngempumelelo iindleko zemveliso, inike abathengi base-Afrika iimveliso ezisebenza ngexabiso eliphezulu, kwaye incede abathengi banciphise iindleko zotyalo-mali kwaye baphucule ukhuphiswano lwemarike.

(III) Intsimi yoPhuhliso lweNkqubo yeSoftware: i-R&D ezimeleyo, ezinzileyo nesebenzayo

• Isoftware Ezimeleyo Engundoqo: Uphando oluzimeleyo kunye nophuhliso lwenkqubo yesoftware eyintloko yeMobile Money Kiosk, enamalungelo obunini bobuchwephesha obuzimeleyo (kuquka amalungelo obunini bobuchwephesha obufanelekileyo obufunyenweyo), anokuthintela umngcipheko weengxabano zelungelo lobunini bobuchwephesha besoftware kwaye aqinisekise ulawulo oluzimeleyo lwenkqubo, kwaye anokulungisa ngokukhawuleza umsebenzi wesoftware ngokweenguqu kwimarike yaseAfrika kunye neemfuno zabathengi.
• Inkqubo Ezinzileyo Nezilungelelanisiweyo: Ijolise kwimeko-bume yenethiwekhi engazinzile kwezinye iindawo zaseAfrika, inkqubo yesoftware ilungiselelwe ukuxhasa iirekhodi zentengiselwano engaxhunyiwe kwi-intanethi kunye nokulayisha ngexesha elinye emva kokubuyiselwa kwenethiwekhi, ukuqinisekisa ukuba iintengiselwano zinokwenziwa ngokuqhelekileyo nakwiindawo ezineempawu zenethiwekhi ezibuthathaka. Kwangaxeshanye, inkqubo isebenzisa uyilo oluyimodyuli, olulula ukuluphucula nokulugcina lusemgangathweni.
• Isiqinisekiso soKhuseleko: Sebenzisa iindlela ezininzi zokhuseleko ezifana nokuqinisekiswa kwegama eliyimfihlo le-PIN, ukubethela idatha kunye nokuqinisekiswa kobuwena obubini, ulandele ngokungqongqo imigangatho yokhuseleko lwedatha yehlabathi, uqinisekise ukhuseleko lwemali yabasebenzisi kunye nolwazi, kwaye usombulule iingxaki zabasebenzisi baseAfrika malunga nokhuseleko lokuhlawula ngefowuni.
• Uhlengahlengiso lweSoftware oluSetyenzisiweyo: Ukuxhasa uhlengahlengiso lweelwimi ezininzi, lwemali ezininzi kunye nohlengahlengiso lweendawo ezininzi, kwaye ulungise ujongano lwesoftware kunye nengqiqo yentengiselwano ngokweempawu zamazwe ahlukeneyo aseAfrika kunye nemimandla, njengokuziqhelanisa nokulungiswa kwemali yasekuhlaleni kunye nokufakwa kweqonga lokuhlawula ngeselula, okuhambelana ngokugqibeleleyo ne-ecology yenkonzo yezemali yasekuhlaleni.

(IV) Intsimi yoHlanganiso lweNkqubo: Ukudokha okungenamthungo, Inkonzo yokumisa enye

• Ukudokha Okungenamthungo Ngeenkqubo Zasekuhlaleni: Kunodokha ngokungenamthungo ngeenkqubo zewallet ezisetyenziswa kakhulu eAfrika (ezifana neM-Pesa eKenya, i-OPay eNigeria), iinkqubo zebhanki eziphambili kunye namaqonga okuhlawula abantu besithathu, kufezekiswe ukusebenzisana kwedatha ngexesha langempela kunye nokuhambelana kwentengiselwano, kwaye kuqinisekiswe ukuhambelana kwedatha yentengiselwano yomsebenzisi kuwo onke amaqonga. Olu buchule bodokha obungenamthungo buhambelana kakhulu nenkqubo yokuhlawula ngeselula ekhula ngokukhawuleza eAfrika.
• Izisombululo zeDocking ezenziwe ngokwezifiso: Ukubonelela ngamaqela obuchwephesha obuchwephesha ukuze enze ngokwezifiso iindlela zokunxibelelana kwedocking kunye neenkqubo zokunxibelelana kwedatha ngokweenkcazo ezithile zenkqubo zabathengi baseAfrika, ukuxhasa uphuhliso lwesibini kunye nokuphuculwa kwenkqubo, kunye nokuqinisekisa ukuba isixhobo sinokuzivumelanisa ngokugqibeleleyo nenkqubo yeshishini ekhoyo yomthengi, kunciphisa iindleko zokuguqulwa kwenkqubo kunye nokusasazwa kwayo.
• Inkxaso yoBugcisa eNye: Ukubonelela ngeenkonzo zokufakela, ukulungisa iimpazamo kunye noqeqesho kubathengi baseAfrika, ukunceda abathengi ukuba babe nobuchule bokusebenzisa nokugcina izixhobo kunye neenkqubo; ukubonelela ngenkxaso yobugcisa kwi-intanethi emva kokuthengisa iiyure ezingama-24, ukusombulula iingxaki abathengi abadibana nazo ekusebenzeni kwenkqubo kunye nokusetyenziswa kwezixhobo ngexesha elifanelekileyo, kunye nokuqinisekisa ukusebenza okuzinzileyo kwezixhobo.
• Ukuhlanganiswa kweCandelo leMizi-mveliso elipheleleyo: Ukudibanisa izixhobo ukusuka kuyilo lwemveliso, imveliso, uphuhliso lwesoftware ukuya ekudityanisweni kwenkqubo kunye nenkonzo yasemva kokuthengisa, ukubonelela abathengi ngezisombululo ezizenzekelayo, ukunciphisa iindleko zokuthenga kunye nokusebenza komthengi, kunye nokuphucula ukusebenza kakuhle kokufika kweprojekthi kwimarike yaseAfrika.

IV. Iingenelo eziphambili zeHongzhou Smart kwiMarike yaseAfrika

• Isabelo seMarike esiQhelekileyo : Iimveliso zethu zeMobile Money Kiosk zisasazwe kakhulu eKenya, eNigeria, eMzantsi Afrika, eUganda, eGhana nakwamanye amazwe, zisebenzisana nabaqhubi bezonxibelelwano abaziwayo basekuhlaleni kunye namaziko emali, kwaye zinesabelo esikhulu semarike kwimarike yeenkonzo zokuzisebenzela yeMobile Money yaseAfrika, nto leyo eba luphawu oludumileyo kushishino lwaseAfrika.
• Intsebenziswano Enzulu Yasekuhlaleni : Siseke ubudlelwane obunzulu bentsebenziswano namaqabane asekuhlaleni eAfrika, senze imveliso yasekuhlaleni kunye nenkonzo yasemva kokuthengisa, saziqhelanisa nemeko-bume yomgaqo-nkqubo wasekuhlaleni kunye nemfuno yemarike, saza safumana ukuthenjwa kunye nenkxaso yabathengi basekuhlaleni. Iimveliso zethu zinceda amazwe aseAfrika ukuba andise ukugubungela iinkonzo zemali, ingakumbi kwiindawo zasemaphandleni apho inani labalimi abancinci abasebenzisa intlawulo yeselula linyuke kakhulu kwiminyaka yakutshanje.
• Sombulula iiNgxaki zeNdawo : Sijolise kwiingxaki zeziseko zophuhliso zebhanki ezingaphuhliswanga kakuhle, iinkonzo zemali ezingalunganga kunye nenethiwekhi engazinzile eAfrika, iMobile Money Kiosk yethu ibonelela ngesisombululo esingabizi kakhulu nesisebenzayo, esifezekisa ukucwila kweenkonzo zemali kwiindawo zasemaphandleni nakwiindawo ezikude, sincede abasebenzisi basekuhlaleni basombulule iingxaki zokufaka imali kunye nokurhoxiswa kwemali, ukudluliselwa kunye nokuhlawulwa kweebhili, kunye nokukhuthaza uphuhliso lwezemali ezibandakanya bonke eAfrika. Oku kuhambelana kakhulu nemizamo yamazwe aseAfrika yokwandisa ukugubungela intlawulo yeselula kunye nokukhuthaza utshintsho lwezoqoqosho lwedijithali.
• Uyilo lweMarike yexesha elide : Sinoyilo lwesicwangciso sexesha elide kwimarike yase-Afrika, siqhubeka nokwandisa utyalo-mali kwi-R&D kunye nophuhliso lwendawo, siphucula imisebenzi kunye neenkonzo zemveliso, kwaye sihambelana nomkhwa wophuhliso lwentlawulo ngefowuni e-Afrika. Siza kuqhubeka nokuqinisa intsebenziswano namaqabane ase-Afrika ukunceda i-Afrika idlule umahluko wedijithali kwaye ikhuthaze uphuhliso loqoqosho lwedijithali lwasekhaya.