Riaan I-Tech giant Sea, inkampani engumzali yakwaShopee neGarena, ivule buthule ibhange layo ledijithali elibizwa I-MariBank emphakathini ngokumenywa kuphela. IMariBank phambilini ibikade ikhawulelwe kubasebenzi beqembu lasolwandle kusukela ngekota yesithathu ka-2022.
Isizathu esisodwa sesigaba esikhawulelwe soLwandle kungenxa yenqubomgomo ye-Monetary Authority of Singapore (MAS), ehlose ukunciphisa umthelela wezinkinga zokuqala zokusebenza futhi ivumele amabhange ukuthi alungise ibhizinisi lawo ngaphambi kokuphakela umphakathi ngobubanzi.
Lesi sinyathelo sika-Sea siza ngemuva kokwethulwa kwamanye amabhange edijithali eSingapore. I-MAS yayinayo ngaphambilini inikezwe amalayisensi amabili ebhange aphelele edijithali e-Singapore kuya kokubili koLwandle kanye ne-Grab-Singtel consortium ngo-December 2020, okubenza bakwazi ukunikeza amakhasimende ezitolo nezinkampani.
Thatha-Singtel yethule ibhange layo ledijithali elibizwa nge-GXS Bank ngo-Agasti odlule ngesisekelo sokumema kuphela futhi.
Amanye amabhange edijithali aseSingapore – Iqembu lezintuthwane ANEXT kanye ne-Green Link Digital Bank – amabhange athengisa izinto eziningi angasebenzela amabhizinisi amancane, amancane naphakathi nendawo kanye namakhasimende angadayisi.
Trust Bank elinye ibhange ledijithali elisebenza ku-inthanethi kuphela kodwa elinelayisensi yasebhange egcwele, elivumela ukuthi lisebenze ngendlela efanayo nababolekisi bendabuko. Isekelwa yi-Standard Chartered Bank kanye ne-FairPrice Group.
Ubani ongabhalisela i-akhawunti?
U-Sea manje unikeza I-akhawunti Yokulondoloza I-Mari enezinga lenzalo elingamaphesenti angu-2.5 ngonyaka, ngaphandle kwediphozithi encane, imfuneko yekhredithi yomholo, noma inani elincane lemali esetshenzisiwe. Inzalo inqwabelana nsuku zonke futhi ibalwa ngokusekelwe kubhalansi yosuku lwangaphambilini.
Amakhasimende angaphinda athumele futhi amukele imali ngokushesha nge-PayNow ohlelweni lokusebenza lwebhange futhi akhokhe ezitolo ezamukela amakhodi e-PayNow QR.
Ukuze uvule i-akhawunti ye-Mari Savings, amakhasimende kufanele abe ngabahlali base-Singaporean noma abe umhlali unomphela futhi okungenani abe neminyaka eyi-18 ubudala. Izimemo zebhange okwamanje zikhawulelwe kubasebenzisi be-ecosystem yalo njengamakhasimende akwaShopee kanye nabathengisi ngabanye.
Labo abathole isimemo bangadawuniloda uhlelo lokusebenza lwe-MariBank ku-Apple App Store, Google Play Store, noma i-Huawei AppGallery.
Kusho ukuthini lokhu kwethulwa kwe-digibank ngoLwandle?
Ulwandle kuze kube manje luthule kakhulu mayelana nebhange layo ledijithali. Ngaphambilini yayishilo ukuthi ama-digibanks ayo “ayesesigabeni esisanda kuzalwa.” U-Sea futhi unelayisensi e-Malaysia ngaphansi kwe-consortium futhi usebenza i-SeaBank e-Indonesia nase-Philippines.
Isikhulu esiphezulu se-Group u-Yanjun Wang uthe ocingweni lokuhola ngoNovemba odlule ukuthi u-Sea useqale izinhlelo zokuhlola i-MariBank, lapho evule khona izici ezilinganiselwe kubasebenzi.
Intuthuko yakamuva yoLwandle iza ngemuva kokuthi iqophe umlando wayo inzuzo yokuqala yekota yama-US$422.8 wezigidi (S$570 million) engxenyeni yesine iphele ngo-December 31, kulandela ukuncishiswa kwezindleko okunonya nokudilizwa onyakeni odlule. Le nzuzo ingase ibangwe ekuphathweni kwezimali okuqinile kwenkampani kanye namasu ayo okubhanga edijithali, eliyenza ikwazi ukuhlukanisa imithombo yayo yemali engenayo.
Ukwethulwa kokumema kuphela kwe-MariBank kuyingxenye yesu loLwandle lokwandisa ukunikezwa kwalo futhi lingene emakethe ye-fintech yaseSingapore ekhula ngokushesha.
Ngokwethulwa ngempumelelo, i-MariBank kulindeleke ukuthi iphonsele inselelo amabhange edijithali akhona, kanye namabhange endabuko okwakhiwa kwezitini nodaka. Njengoba abantu baseSingapore bekhululeka kakhulu ngamabhange edijithali, izinsiza ezintsha ze-MariBank cishe zizoheha abantu abasebasha, abanolwazi ngobuchwepheshe.
Ukungena kolwandle endaweni yokubhanga yedijithali kubalulekile ngoba kugqamisa ukubaluleka okwandayo kobuchwepheshe emabhange. Ulwandle luphinde lube sesimweni esihle sokungena kule makethe ekhulayo futhi lwandise uhlelo lwayo lwezemvelo lwedijithali ngale kwe-e-commerce kanye nemidlalo.
Njengoba ibhange lethula izinsiza zalo ngokuqhubekayo, kuzojabulisa ukubona ukuthi liqhuba kanjani endaweni eqhudelana kakhulu yamabhange edijithali.
Ikhredithi Yesithombe Esifakiwe: MariBank
