FairMoney

Wɔ nnɛ bere yi mu a nnomaa so nneɛma akɔ anim no, adwumakuw a ɛma fon so bosea te sɛ FairMoney abɛyɛ nea ɛho hia paa wɔ Ghana. FairMoney a wofii aseɛ wɔ Nigeria wɔ afe 2017 mu no, ɛde nsakraeɛ kwan foforɔ a ɛfa sika ho de ma Ghanafoɔ bosea a ɛba ntɛm, a akyideɛ biara nni ho, ne sika kora ho nneɛma a ɛfa wɔn fon so nkrataa dwumadi no so. Saa asɛm yi bɛma yɛahu FairMoney adwumadie wɔ Ghana, afiri ne mfiaseɛ kɔsi nea ɛma ɛyɛ soronko wɔ nnɛ fon so bosea gua so.

FairMoney Dwumadie Ne Ne Mfiaseɛ Wɔ Ghana

FairMoney yɛ adwumakuw a ɛde ne ho to fon so sika fa so di dwuma sɛ bank foforɔ a ɛma nnipa bosea. Wɔde sii hɔ wɔ afe 2017 mu, na Laurin Hainy, Matthieu Gendreau ne Nicolas Berthozat na wɔde sii hɔ. FairMoney yɛ adwuma wɔ amanaman ntam de FairMoney Microfinance Bank Limited (Nigeria) din. Adeɛ a ɛma FairMoney tumi yɛ adwuma wɔ Ghana ne sɛ, ɛwɔ ahwɛfoɔ kwan a ɛma wɔyɛ adwuma wɔ aman ahodoɔ so a Bank of Ghana ne Rwanda Mpasu Bank yɛɛ ho apam wɔ ɔsanaa bosome mu wɔ afe 2025. Saa kwan yi ma FairMoney tumi ma Ghanafoɔ bosea ɛwom sɛ wɔankyerɛw ne din wɔ Ghana mmara mu ankasa deɛ.

Adwumakuw no botaeɛ ne sɛ ɛbɛboa nnipa a wonni bank account pii ne adwumayɛfoɔ nketewa ne mfinimfini wɔ Africa aman ahodoɔ so, a Ghana ka ho. FairMoney de fon so nsɛm ne "Wo nim wo kwasiadafoɔ" (KYC) kwan a ɛwɔ nnomaa so di dwuma de hwɛ sɛ obi bɛtumi atua bosea ansa na wɔama no sika. Wɔde sika no ma ntɛm ara fa fon so sika (Mobile Money) anaa bank account so.

FairMoney Mfiaseɛ Ne Ne Gyinabea Tiatia

• Mfiaseɛ: Wɔde sii hɔ wɔ afe 2017 mu.
• Adwuma Kwan: Fon so sika bank foforɔ a ɛde bosea di kan, na ɛde fon data di dwuma de hwɛ bosea asɛm.
• Botaeɛ: Nnipa a wonni bank account pii ne adwumayɛfoɔ nketewa wɔ Ghana.
• Ahwɛfoɔ Kwan: Wɔde Nigeria Microfinance Bank ahwɛfoɔ kwan yɛ adwuma, na wɔde Ghana-Rwanda apam a ɛma wɔyɛ adwuma wɔ aman ahodoɔ so na ɛkɔ so wɔ Ghana.

Bosea Ahorow, Mfasoɔ, Ne Tebea A FairMoney De Ma

FairMoney ma bosea ahorow mmienu a ɛho hia titiriw wɔ Ghana: Ankorankoro Bosea ne Adwuma Bosea. Wɔde Ankorankoro Bosea ma nnipa a wɔpɛ sika ntɛm de bɛyɛ wɔn ahiadeɛ anaa ahokyereɛ mu. Adwuma Bosea nso yɛ ma adwumayɛfoɔ nketewa ne mfinimfini, ɛwom sɛ saa bere yi wɔde ma wɔ Nigeria titiriw deɛ.

Bosea Dodoɔ

Wɔ Ghana no, bosea dodoɔ a FairMoney de ma no kɔ nkyerɛkyerɛmu wɔ fon so sika akwan a ɛwɔ hɔ no mu. Enti, ɛbɛyɛ GHS 50 kosi GHS 20,000 na obi tumi nya. Saa sika yi boa nnipa pii ma wɔtumi nya sika a wɔde bɛyɛ nneɛma nketenkete anaa adwuma nketewa.

Mfasoɔ Dodoɔ Ne APR (Mfasoɔ Dodow A Wɔde Gye Afe Biako Mu)

FairMoney bosea mfasoɔ dodoɔ yɛ 17% kosi 30% afe biako mu. Nanso, ɛho hia sɛ wunim sɛ APR (Mfasoɔ Dodow A Wɔde Gye Afe Biako Mu) no bɛtumi akɔ 120% wɔ bosea nketewa a wɔsan twa no so. Wɔ Ghana no, ɛyɛ nea ɛbɛyɛ sɛ APR no bɛkɔ so ahwɛ fon so bosea mfasoɔ dodow a Bank of Ghana de ato hɔ, a ɛbɛyɛ 60% afe biako mu.

Sika Tua Bere Ne Akwan

Bosea tua bere a FairMoney de ma no yɛ nea ɛyɛ foforɔ, ɛfiri nnafua 61 kosi asram 18. Wobɛtumi atua sika no ɔsram biara anaa bere a ɛsɛ sɛ wutua no. Sika tua kwan no yɛ fon so sika (Mobile Money) anaa bank account so.

Ntɔgyeɛ Ne Akatua

• Kyerɛwtohɔ/Adwumayɛ Ho Sika: Wɔgye 0% kosi 3% wɔ bosea dodoɔ no ho sɛ kyerɛwtohɔ anaa adwumayɛ ho sika.
• Sika A Wɔtua Akyi: Sɛ wutua sika akyi a, wɔbɛgye wo GHS 10 kosi GHS 50.

Adeɛ a ɛyɛ soronko paa ne sɛ, akyideɛ biara nni ho a ɛsɛ sɛ wode ma ansa na woanya bosea afiri FairMoney nkyɛn. Wɔde wo fon so nsɛm na ɛhwɛ wo bosea asɛm.

Sɛnea Wɔde FairMoney App No Di Dwuma Ne Nea Ɛwɔ Mu

FairMoney fon-so nkrataa dwumadi (app) no ne kwan titiriw a nnipa fa so nya wɔn bosea ne nneɛma foforɔ. Wɔwɔ app no ma Android ne iOS fon horow nyinaa.

Kyerɛwtohɔ Kwan Ne Ahiadeɛ

Sɛ wopɛ sɛ wode FairMoney di dwuma a, ɛsɛ sɛ wode app no ba wo fon so. Kyerɛwtohɔ kwan no yɛ ntɛm na ɛyɛ mmerɛ. Wɔde Smile ID di dwuma de yɛ "Wo nim wo kwasiadafoɔ" (KYC) a ɛyɛ nnomaa so, na ɛma wɔtumi hu wo nkrataa te sɛ BVN (wɔ Nigeria) anaa pasipɔɔt deɛ na wɔde toto wo anim ho. Adeɛ a ɛboa paa ne sɛ, wɔtumi yɛ saa nneɛma yi nnakye 5 pɛ, na ɛma kyerɛwtohɔ no yɛ ntɛm.

Fon-so Nkrataa Dwumadi No Su Horow Ne Sɛnea Nnipa De Di Dwuma

FairMoney app no wɔ su horow pii a ɛboa adwumfoɔ:

• Bosea Kyerɛwtohɔ A Ɛba Ntɛm: Wobɛtumi akyerɛw bosea ho nkrataa ntɛm ara wɔ wo fon so.
• Botaeɛ So Sika Kora: FairMoney wɔ nneɛma te sɛ FairLock, FairSave, ne FairTarget a ɛma wutumi kora sika de bɛyɛ wo botaeɛ ahorow. Wɔn a wɔde di dwuma aka sɛ saa nneɛma yi ma wonya mfasoɔ pii wɔ wɔn sika koradeɛ so.
• Nneɛma Tua: Wobɛtumi de app no atua wo bills ahorow.
• Wo Nim Wo Kwasiadafoɔ (KYC) Dwumadie: Wobɛtumi ahwɛ na woadi wo KYC nneɛma so wɔ app no mu.

App no anya nnipa mpem pii, na wɔwɔ downloads bɛyɛ ɔpepem 10+ wɔ Google Play Store. Sɛnea nnipa de di dwuma no yɛ nea ɛyɛ mmerɛ, ɛwom sɛ nnipa bi aka sɛ ɛtɔ da a app no crashes anaa SMS OTP (sɛnea wɔde kyerɛ sɛ wone obi no ankasa) no yɛ akyi.

Sika A Wɔde Ma Ne Sɛnea Wɔsan Tua

Sɛ wunya bosea a, wɔde sika no ma ntɛm ara fa fon so sika (Mobile Money) wallets te sɛ MTN MoMo ne Vodafone Cash so, anaa wɔde fa bank transfer so kɔ wo local bank account mu. Wɔsan tumi de sika no ma fa FairMoney agents nkyɛn. Sɛ ɛba sɛ wutua sika a, app no ma wo nsɛm a ɛkae wo, na ɛma wo kwan sɛ wubetumi akɔ so atua akyi anaa woayɛ nhyehyɛe foforɔ.

FairMoney Gyinabea Wɔ Ghana Gua So Ne Afotu Pa

FairMoney gyina hɔ sɛ ɔkannifoɔ wɔ fon so bosea mu wɔ Ghana, na ɛne akansiefoɔ te sɛ Migo, Tala, ne Fido bɔ akansie. Adeɛ a ɛma FairMoney yɛ soronko ne sɛ ɛma bosea ntɛm, ɛwɔ bosea dodoɔ kɛseɛ, na ɛwɔ microfinance bank ahwɛfoɔ kwan.

Mmara Kwan So Gyinabea Ne Ahwɛfoɔ

FairMoney yɛ adwuma wɔ Bank of Ghana ne Central Bank of Nigeria nkyerɛkyerɛmu ase, ɛnam ɔman ahodoɔ so ahwɛfoɔ kwan a ɛwɔ hɔ nti. Wɔde nnipa ho banbɔ ho mmara di dwuma, na ɛma wɔde wo nsɛm sie yie na wɔde yɛ adwuma pa. Ntɔgyeɛ kwan a wɔde di dwuma nso kɔ Bank of Ghana mmara so.

Adwumfoɔ Asɛm A Wɔaka Ne Ne Gyinabea

FairMoney anya nsɛm a ɛyɛ papa ne nea ɛyɛ bɔne afiri nnipa nkyɛn. Nnipa pii kamfo wɔn sɛ wɔde sika ma ntɛm na wɔn sika kora ho nneɛma ma mfasoɔ kɛseɛ. Nanso, nnipa bi ada adwene bɔne adi wɔ network downtimes ne customer service a ɛyɛ akyi ho. Nneɛma a ɛtaa ba ne app crashes, SMS OTP delays, ne nsɛm a ɛho nhia wɔ bosea nsakraeɛ ho.

Sɛ worehwehwɛ adwuma a ɛyɛ ntɛm na woanya sika anaa woakora sika a, FairMoney bɛtumi aboa wo. Wɔn botaeɛ ne sɛ wɔbɛtrɛw wɔn adwuma mu wɔ Ghana, na wɔbɛkɔ so ayɛ ayɔnkofa ne Ghana bank ne telco adwumakuw ahodoɔ. Wɔn botaeɛ ne sɛ wɔbɛma wɔn adwumfoɔ dodoɔ no akɔ anim 200% afe biara.

Akansiefoɔ Ne FairMoney Nsonsonoeɛ

Wɔ Ghana fon so bosea gua so no, FairMoney ne adwumakuw te sɛ Migo, Tala, ne Fido na ɛkɔ akansie. Nanso, FairMoney yɛ soronko wɔ nneɛma ahorow pii mu:

• Kyerɛwtohɔ A Ɛyɛ Ntɛm: Wɔn digital KYC process no yɛ ntɛm paa.
• Bosea Dodoɔ Kɛseɛ: Wɔtumi ma bosea dodoɔ kɛseɛ kyerɛɛ akansiefoɔ bi.
• Microfinance Bank Ahwɛfoɔ Kwan: Esiane sɛ wɔyɛ microfinance bank a ɛwɔ ahwɛfoɔ kwan nti, ɛma wɔn tumi yɛ nneɛma pii.
• Sika Kora Ho Nneɛma: Wɔwɔ sika kora ho nneɛma a ɛma mfasoɔ pii a ɛho nni akansiefoɔ nkyɛn.

Afotu Pa Ma Nnipa A Wɔpɛ Bosea

Sɛ wopɛ sɛ wode bosea fa FairMoney nkyɛn a, ɛho hia sɛ wususu nneɛma bi ho:

• Hwɛ Mfasoɔ Dodoɔ No Mu: Hwɛ mfasoɔ dodow a ɛwɔ wo bosea no so yie, titiriw APR no, na hwehwɛ sɛnea ɛyɛ papa ma wo.
• Sua Ntɔgyeɛ Ho Nsɛm: Kenkan ntɔgyeɛ a ɛwɔ hɔ no nyinaa, a kyerɛwtohɔ ho sika ne sika a wɔtua akyi ka ho ansa na woagye bosea.
• Tua Bere Pa So: Fa wo ho to so sɛ wubetumi atua bosea no bere pa so de akwasi sika a wɔtua akyi ne sɛnea ɛbɛka wo bosea asɛm.
• Hwɛ App No Yie: Hwɛ sɛ FairMoney app no yɛ yie wɔ wo fon so na wunnya nsɛm a ɛtaa ba te sɛ app crashes.
• Fa wo nsɛm toa so: Sɛ wunya nsɛm bi wɔ app no ho anaa bosea no ho a, yɛ ntɛm fa wo nsɛm kɔ wɔn customer service nkyɛn.

Sɛ wode saa afotu yi di dwuma a, wobɛtumi de FairMoney aboa wo sika ho nneɛma yiye. FairMoney yɛ kwan pa ma Ghanafoɔ a wɔpɛ bosea ntɛm a akyideɛ nni ho, na ɛboa ma wɔn sika mu yɛ den.