I-Kiosk Yemali Yeselula

I. Ukubuka konke komkhiqizo we-Mobile Money Kiosk

II. Isikhundla Semakethe seHongzhou Smart njengeFektri Yomthombo

• Amandla Okukhiqiza Umthombo Womhlaba Wonke : Sinesisekelo esikhulu sokukhiqiza sesimanje, esikhiqiza ukukhiqizwa okujwayelekile nokuzenzakalelayo kwe-Mobile Money Kiosk, ngomkhiqizo waminyaka yonke wama-terminal angaphezu kuka-100,000 okuzisebenzela. Njengefektri yomthombo enekhono elizimele le-R&D kanye nokukhiqiza, sisuse izixhumanisi eziphakathi, sinikeza amakhasimende imikhiqizo yokusebenza ebiza kakhulu kanye nezinsizakalo zokwenza ngokwezifiso eziguquguqukayo, futhi sithole ukuqashelwa kabanzi kumakhasimende emazweni nasezifundeni ezingaphezu kuka-90 emhlabeni jikelele.
• Umhlinzeki Oyinhloko Embonini : Njengoba sinamalungelo obunikazi obuzimele kanye nohlelo oluphelele lwe-industrial chain, sesibe ngumhlinzeki oyinhloko we-Mobile Money Kiosk yamabhange amaningi omhlaba adumile, opharetha bezokuxhumana kanye nezikhungo zezezimali. Imikhiqizo yethu iphumelele izitifiketi zekhwalithi zomhlaba wonke njenge-CE, i-FCC kanye ne-RoHS, ihlangabezana nezindinganiso zokungenisa zamazwe ahlukahlukene kanye nezifunda, futhi ibeka isisekelo esiqinile sokwanda kwemakethe.
• Ukulinganisa Ukuhlelwa Kwemakethe Yase-Afrika : Sigxile emakethe yase-Afrika, sisungule uhlelo oluphelele lwemakethe kanye nohlelo lwesevisi yangemva kokuthengisa, ngemikhiqizo ehlanganisa amazwe amakhulu ase-Afrika njengeKenya, iNigeria, iNingizimu Afrika, i-Uganda kanye neGhana. Sizuza ekwazisweni okusheshayo kokukhokha ngeselula e-Afrika—lapho ama-akhawunti okukhokha ngeselula eseyiwona kuphela umnyango wesevisi yezezimali osemthethweni wabantu abangaphezu kuka-70% basemakhaya e-Sub-Saharan Africa—sifinyelele ukusebenza okumangalisayo emakethe futhi saba ngumhlinzeki ohamba phambili emakethe ye-African Mobile Money Kiosk.

III. Izinzuzo Eziyinhloko ze-Hongzhou Smart ku-Full Industrial Chain

(I) Insimu Yokuklama: Ukusungula Izinto Ezintsha Kwasendaweni, Ukuzivumelanisa Nesidingo Semakethe Yase-Afrika

• Ukuzivumelanisa Nemvelo Okusendaweni: Kuhloswe endaweni yokusebenza enzima e-Afrika, njengokushisa okuphezulu, uthuli olukhulu kanye nokunikezwa kwamandla okungazinzile, umkhiqizo wenzelwe imisebenzi yokuvikela engangeni uthuli, engangeni manzi, yokumelana nokushisa okuphezulu kanye nokuvala ugesi, okuqinisekisa ukusebenza okuzinzile ezindaweni ezishisayo, ezindaweni zasemakhaya ezikude kanye nezimo zangaphandle.
• Umklamo Wokusebenza Olula Ukusebenzisa: Kuhlanganiswe neqiniso lokuthi abanye abasebenzisi base-Afrika abajwayelene nemishini kagesi eyinkimbinkimbi kanye nokuthandwa kwamafoni anezici, umkhiqizo usebenzisa isikhombikubona esilula esiqhutshwa yimenyu, izixwayiso ezicacile zezithombe kanye nokusebenza okusizayo komyalo we-USSD, okulula ukuqala. Ngesikhathi esifanayo, isekela ukushintshashintsha kwezilimi eziningi (kufaka phakathi isiSwahili, isiHausa, isiZulu, njll.) ukuze ivumelane nemikhuba yezilimi yezifunda ezahlukene zase-Afrika.
• Amandla Okuklama Ahlelwe Ngokwezifiso: Ngokwezidingo zabaqhubi bezokuxhumana base-Afrika (njenge-M-Pesa eKenya, i-PalmPay eNigeria) kanye nezikhungo zezimali zasendaweni, singenza ngokwezifiso ukubukeka komkhiqizo, amamojula asebenzayo kanye nesixhumi sesistimu, futhi sandise izinsizakalo ezinenani elingeziwe njengokufaka kabusha ifoni ephathekayo, ukuthunyelwa kwemali encane kwamanye amazwe kanye nokukhokha izikweletu, okuhambisana kahle nesidingo semakethe yendawo.
• Ukusungula Okuqhubekayo Kwezobuchwepheshe: Sithembele emandleni ocwaningo nokuthuthukiswa okuzimele, sifake izicelo zamalungelo obunikazi njengemishini yokushintshanisa imali ezenzakalelayo kanye namalungelo okushicilela esofthiwe azimele njengesofthiwe yomshini wokushintshanisa imali yangaphandle, futhi sihlanganise ubuchwepheshe obusha njalo njenge-NFC kanye nokuhlonza i-biometric ukuze sithuthukise imisebenzi yomkhiqizo, sihambisana nomkhuba wokuthuthukiswa kokukhokha ngeselula e-Afrika.

(II) Insimu Yokukhiqiza: Ukulawulwa Kwekhwalithi Okuqinile, Ukulethwa Okusebenzayo

• Ukukhiqizwa Okuzenzakalelayo Okujwayelekile: Sebenzisa imishini yokukhiqiza ethuthukisiwe kanye nobuchwepheshe bokuhlanganisa ukuze kufezwe ukukhiqizwa okujwayelekile nokuzenzakalelayo, kuncishiswe amaphutha enziwe ngesandla, kuqinisekiswe ukuhambisana nokuqina kwekhwalithi yomkhiqizo, futhi kuhlangatshezwane nesidingo esikhulu semakethe yase-Afrika.
• Ukuhlolwa Kwekhwalithi Yenqubo Egcwele: Misa uhlelo lokuhlola ikhwalithi lwenqubo ephelele, yenza ukuhlolwa okuqinile ezintweni zokusetshenziswa, imikhiqizo eqediwe kancane kanye nemikhiqizo eqediwe, futhi yonke imikhiqizo idlula izitifiketi zekhwalithi zomhlaba wonke, iqinisekise ukuthi ingakwazi ukuzivumelanisa nesimo sokusetshenziswa esinzima e-Afrika futhi inciphise izindleko zokulungisa kamuva.
• Uchungechunge Lokunikezela Nokulethwa Okusebenzayo: Lungiselela ukuphathwa kochungechunge lokunikezela emhlabeni wonke, ubambisane nabahlinzeki bomhlaba abaziwayo ukuqinisekisa ukuzinza kokuhlinzekwa kwezinto zokusetshenziswa; ngomthamo wokukhiqiza oqinile, singaqinisekisa ukulethwa ngesikhathi, sixazulule inkinga yomjikelezo omude wokulethwa kwamakhasimende ase-Afrika, futhi sisize amakhasimende ukuthi athumele imakethe ngokushesha.
• Inzuzo Yokulawula Izindleko: Njengefektri yomthombo, sinenzuzo yokukhiqiza okuhlanganisiwe, okungalawula ngempumelelo izindleko zokukhiqiza, kunikeze amakhasimende ase-Afrika imikhiqizo esebenza kahle kakhulu, futhi kusize amakhasimende ukunciphisa izindleko zokutshalwa kwezimali futhi kuthuthukise ukuncintisana emakethe.

(III) Insimu Yokuthuthukiswa Kwesistimu Yesofthiwe: I-R&D Ezimele, Ezinzile Nesebenzayo

• Isofthiwe Eyisisekelo Ezimele: Ucwaningo oluzimele kanye nokuthuthukiswa kohlelo lwesofthiwe oluyinhloko lwe-Mobile Money Kiosk, olunamalungelo obunikazi obuzimele (kufaka phakathi amalungelo obunikazi esofthiwe afanele atholiwe), okungagwema ingozi yezingxabano ze-copyright yesofthiwe futhi kuqinisekiswe ukulawulwa okuzimele kohlelo, futhi kungalungisa ngokushesha umsebenzi wesofthiwe ngokuya ngezinguquko zemakethe yase-Afrika kanye nezidingo zamakhasimende.
• Uhlelo Oluzinzile Noluguquguqukayo: Luhlose indawo yenethiwekhi engazinzile kwezinye izifunda zase-Afrika, uhlelo lwesofthiwe lulungiselelwe ukusekela amarekhodi okuthengiselana okungaxhunyiwe ku-inthanethi kanye nokulayishwa okuhambisanayo ngemva kokubuyiselwa kwenethiwekhi, okuqinisekisa ukuthi ukuthengiselana kungenziwa ngokujwayelekile ngisho nasezindaweni ezinezimpawu zenethiwekhi ezibuthakathaka. Ngesikhathi esifanayo, uhlelo lusebenzisa umklamo we-modular, okulula ukuwuthuthukisa nokunakekela.
• Isiqinisekiso Sokuphepha: Sebenzisa izindlela eziningi zokuphepha njengokuqinisekiswa kwephasiwedi ye-PIN, ukubethela ukudluliswa kwedatha kanye nokuqinisekiswa kobunikazi obubili, ulandele ngokuqinile izindinganiso zokuphepha kwedatha yezezimali zomhlaba wonke, uqinisekise ukuphepha kwezimali zabasebenzisi kanye nolwazi, futhi uxazulule izinkinga zabasebenzisi base-Afrika mayelana nokuphepha kokukhokha ngeselula.
• Ukuguqulwa Kwesofthiwe Okwenziwe Endaweni: Sekela ukuguqulwa kwezilimi eziningi, kwezimali eziningi kanye nezindawo zesikhathi esiningi, futhi ulungise isikhombikubona sesofthiwe kanye nomqondo wokuthengiselana ngokwezici zamazwe nezifunda ezahlukene zase-Afrika, njengokuzivumelanisa nokuxazululwa kwemali yendawo kanye nokufakwa kwepulatifomu yokukhokha yeselula, okuhambisana kahle nemvelo yesevisi yezezimali yendawo.

(IV) Inkambu Yokuhlanganisa Isistimu: Ukudokha Okungenamthungo, Isevisi Yokuma Kanye

• Ukudokha Okungenamthungo Ngezinhlelo Zendawo: Kungadokha kalula ngezinhlelo zesikhwama semali yeselula ezivamile e-Afrika (njenge-M-Pesa eKenya, i-OPay eNigeria), izinhlelo zebhange eziyinhloko kanye nezinkundla zokukhokha zezinkampani zangaphandle, kufezekise ukusebenzisana kwedatha ngesikhathi sangempela kanye nokuvumelanisa ukuthengiselana, futhi kuqinisekise ukuhambisana kwedatha yokuthengiselana yomsebenzisi kuzo zonke izinkundla. Leli khono lokudokha elingenamthungo lihambisana kakhulu nemvelo yokukhokha yeselula ethuthuka ngokushesha e-Afrika.
• Izixazululo Zokudokha Ezilungiselelwe Ngokwezifiso: Nikeza amaqembu ochwepheshe bezobuchwepheshe ukuze enze ngezifiso izixhumi zokuxhumanisa idatha kanye nezinqubo zokuxhumana kwedatha ngokwezincazelo ezithile zesistimu zamakhasimende ase-Afrika, asekele ukuthuthukiswa kwesibili kanye nokuthuthukiswa kwesistimu, futhi aqinisekise ukuthi idivayisi ingazivumelanisa ngokuphelele nesistimu yebhizinisi yamakhasimende ekhona, kuncishiswe izindleko zokuguqulwa nokusetshenziswa kwesistimu.
• Usekelo Lobuchwepheshe Oluphelele: Ukuhlinzeka ngezinsizakalo zokufaka, ukulungisa amaphutha kanye nokuqeqesha amakhasimende ase-Afrika endaweni, ukusiza amakhasimende ukuba abe nolwazi lokusebenzisa nokugcina imishini nezinhlelo; ukuhlinzeka ngosekelo lobuchwepheshe olusebenza amahora angama-24 ngemuva kokuthengisa online, ukuxazulula izinkinga amakhasimende ahlangabezana nazo ngesikhathi sokusebenza kwesistimu kanye nokusetshenziswa kwemishini, kanye nokuqinisekisa ukusebenza okuzinzile kwemishini.
• Ukuhlanganiswa Okugcwele Kwe-Industrial Chain: Hlanganisa izinsiza kusukela ekwakhiweni komkhiqizo, ekukhiqizweni, ekuthuthukisweni kwesofthiwe kuya ekuhlanganisweni kwesistimu kanye nensizakalo yangemva kokuthengisa, unikeze amakhasimende izixazululo ze-turnkey, unciphise izindleko zokuthenga nokusebenza kwamakhasimende, futhi uthuthukise ukusebenza kahle kokufika kwephrojekthi emakethe yase-Afrika.

IV. Izinzuzo Ezihamba Phambili Zokusebenzisa I-Hongzhou Smart Emakethe Yase-Afrika

• Isabelo Semakethe Esiqashelwa Kabanzi : Imikhiqizo yethu ye-Mobile Money Kiosk isetshenziswe kabanzi eKenya, eNigeria, eNingizimu Afrika, e-Uganda, eGhana nakwamanye amazwe, ibambisana nabaqhubi bezokuxhumana abadumile bendawo kanye nezikhungo zezezimali, futhi inesabelo esikhulu semakethe emakethe ye-terminal ye-Mobile Money yase-Afrika, iba uphawu oludumile embonini yase-Afrika.
• Ukubambisana Okujulile Kwasendaweni : Sisungule ubudlelwano obujulile bokubambisana nabalingani bendawo e-Afrika, senza insizakalo yokukhiqiza yendawo kanye neyokuthengisa ngemuva kokuthengisa, sazivumelanisa nezimo zenqubomgomo yendawo kanye nesidingo semakethe, futhi sathola ukwethenjwa nokusekelwa kwamakhasimende endawo. Imikhiqizo yethu isiza ngempumelelo amazwe ase-Afrika ukwandisa ukumbozwa kwezinsizakalo zezimali, ikakhulukazi ezindaweni zasemakhaya lapho inani labalimi abancane abasebenzisa ukukhokha ngeselula likhuphuke kakhulu eminyakeni yamuva.
• Xazulula Amaphuzu Obuhlungu Bendawo : Sihlose izinkinga zengqalasizinda yebhange engathuthuki kahle, izinsizakalo zezimali ezingahambi kahle kanye nenethiwekhi engazinzile e-Afrika, i-Mobile Money Kiosk yethu inikeza ikhambi elingabizi futhi eliphumelelayo, eliqaphela ukucwila kwezinsizakalo zezimali ezindaweni zasemakhaya nasezindaweni ezikude, lisiza abasebenzisi bendawo ukuxazulula izinkinga zokufaka imali kanye nokukhipha imali, ukudlulisa kanye nokukhokha izikweletu, kanye nokukhuthaza ukuthuthukiswa kwezimali ezibandakanya wonke umuntu e-Afrika. Lokhu kuhambisana kakhulu nemizamo yamazwe ase-Afrika yokwandisa ukumbozwa kokukhokha ngeselula nokukhuthaza ukuguqulwa komnotho wedijithali.
• Ukuhlelwa Kwemakethe Yesikhathi Eside : Sinesakhiwo sesikhathi eside semakethe yase-Afrika, sikhulisa njalo ukutshalwa kwezimali ku-R&D kanye nokuthuthukiswa kwendawo, sithuthukisa imisebenzi nezinsizakalo zomkhiqizo, futhi sihambisana nomkhuba wokuthuthukiswa kokukhokha ngeselula e-Afrika. Sizoqhubeka nokujulisa ukubambisana nabalingani base-Afrika ukusiza i-Afrika ukuthi idlule ukwahlukana kwedijithali futhi ikhuthaze intuthuko yomnotho wedijithali wendawo.