Taploan

Sikasɛm ho adwumayɛfoɔ ne amanfoɔ nyinaa, yɛde asɛm yi to mo anim sɛ yɛbɛkyerɛkyerɛ “Taploan” mu, ɛyɛ sika fɛm adwumakuw a ɛde ne ho di dwuma wɔ Gaana. Nanso, ɛho hia sɛ yɛde kɔkɔbɔ titiriw bi hyɛ aseɛ: Taploan yɛ adwumakuw a ɛnyɛ mmara kwan so koraa, na Gaana Sikasɛm Bank (Bank of Ghana - BoG) ne Intanɛt Ahobammɔ Kuw (Cyber Security Authority - CSA) atintim ne din sɛ ɛsɛ sɛ wɔkwati no. Wɔde di dwuma wɔ ɔkwan a ɛyɛ hu so, sɛe nnipa ahobammɔ ho nsɛm, na wɔde ahometeɛ di dwuma de gye sika.

Taploan Ho Nsɛm Pɔtee wɔ Gaana

Taploan yɛ adwumakuw a ɛde ne ho di dwuma wɔ intanɛt so de ma Gaanafoɔ a wɔhwehwɛ sika fɛm nketenkete ntɛm so. Wɔde mfidie so app na ɛyɛ adwuma, na ɛhyɛ bɔ sɛ wɔde nnawɔtwe nnum pɛ bɛma sika ama obiara. Nanso, saa adwuma yi nni mmara kwan so tumi krataa biara wɔ Gaana. Nea ɛdi kan no, Taraja Financial Services Limited na ɛyɛ adwumakuw no, ɛwɔ Tansania na ɛwɔ mmara kwan so tumi krataa wɔ hɔ, nanso wɔ Gaana deɛ, ɛnyɛ mmara kwan so koraa. Wɔtee adwumakuw yi bɛyɛ afe 2024 anaa 2025 mu, na wɔde ne din ahyɛ adwumakuw ahodoɔ a Gaana Sikasɛm Bank akɔkɔbɔ ho din sɛ wɔnyɛ mmara kwan so no mu. Wɔn adwuma nsi hɔ turodoo, na wɔde nnipa ho nsɛm di dwuma wɔ ɔkwan a ɛmfata so.

Sika Fɛm Ahodoɔ ne Nneɛma a Wɔde Ma

Taploan de ankorankoro sika fɛm nketenkete na ɛma. Eyi yɛ sika a ɛnni ho adan anaa nneɛma biara a wɔde bɛyɛ ho adanseɛ. Sika a wɔde fɛm no firi Gaana Sedi (GHC) 100 kosi GHC 5,000. Wɔde nna 61 kosi 365 na ɛma kwan sɛ wobɛtua sika no. Nanso, mfasoɔ a wɔde gye no yɛ den yie.

• Sika Fɛm So Mfasoɔ da biara bi: 0.05% kosi 0.08% da biara bi.
• Afe mu Mfasoɔ a ɛboro so (APR): Mfasoɔ a ɛboro so a wɔde gye wɔ afe mu no yɛ 35.18%.
• Dwumadie Ho Ka (Processing Fee): Wɔde sika fɛm dodow no mu 1% gye sɛ dwumadie ho ka.

Mfatoho: Sɛ wofɛm GHC 3,000 wɔ nna 90 mu a:

• Mfasoɔ: GHC 216 (GHC 3,000 × 0.08% × 90)
• Dwumadie Ho Ka: GHC 30 (1% wɔ sika fɛm dodow no mu)
• Ne nyinaa a ɛsɛ sɛ wotua: GHC 3,246

Kwan a Wɔfa So Bɔ Mpaeɛ ne Ahiadeɛ

Sɛ wopɛ sɛ wofɛm sika firi Taploan hɔ a, ɛsɛ sɛ woyɛ deɛ edidi soɔ yi:

• Kɔ Google Play Store anaa App Store na fa wɔn app no ba.
• De wo telefon nɔma hyɛ din.
• Fa wo Gaana Kaad ho nsɛm to so.
• Paw sika dodow a wopɛ ne nea wobɛtua.
• Fa wo telefon so sika (Mobile Money) anaa bank account ho nsɛm ma.

Ahiadeɛ no yɛ mmerɛ. Ɛsɛ sɛ woyɛ mfeɛ 18 kosi 55 na woyɛ Gaanafoɔ a wote Gaana. Wɔnkyerɛ sɛ ɛsɛ sɛ wode wo dwumadie ho adanseɛ ma, na wɔnhwehwɛ sɛ wode adan anaa nneɛma bɛto hɔ sɛ adanseɛ.

Mmara Kwan So Tebea ne Asianeɛ a ɛwɔ mu

Nea ɛho hia yɛ sɛ Taploan nni Gaana Sikasɛm Bank tumi krataa a ɛsɛ sɛ ɛwɔ biara. Eyi kyerɛ sɛ wɔdi mmara a ɛfa Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930) ho no so. Gaana Sikasɛm Bank abɔ amanfoɔ kɔkɔ mpɛn pii wɔ adwumakuw a ɛnyɛ mmara kwan so yi ho.

Mmara a Wɔadi so ne Nneɛma a Wɔde Dwuma

• Sikasɛm Mmara so Di: Wɔde wɔn ho di dwuma a wonni tumi krataa firi Gaana Sikasɛm Bank hɔ.
• Data Ahobammɔ Mmara (Act 843) so Di: Wɔnni Data Protection Act, 2012 (Act 843) no so, na wɔde nnipa ho nsɛm di dwuma wɔ ɔkwan a ɛmfata so.
• Amanfoɔ Ahobammɔ Mmara so Di: Wɔde ahometeɛ ne ɔkwan bɔne so gye sika, na ɛyɛ amamfoɔ ahobammɔ mmara so di.

Intanɛt Ahobammɔ Kuw (CSA) abɔ kɔkɔ sɛ Taploan yɛ “sika fɛm app a ɛyɛ hu” a ɛde ahometeɛ di dwuma wɔ intanɛt so. Adwumakuw a ɛfiri Gaana Sikasɛm Bank, Intanɛt Ahobammɔ Kuw ne Sikasɛm ne Dwumadie Bɔne Ho Dwumadibea (Economic and Organised Crime Office - EOCO) mu na wɔayɛ adwuma sɛ wɔbɛtumi asiw saa adwumakuw a ɛnyɛ mmara kwan so yi ano.

Asianeɛ a ɛwɔ mu ma Sika Fɛmfoɔ

Sɛ wode wo ho bɛhyɛ Taploan mu a, ɛde asianeɛ pii ba:

• Mmara Mu Asianeɛ: Sɛ wode wo ho hyɛ adwumakuw a ɛnyɛ mmara kwan so mu a, ɛde wo hyɛ mmara mu asianeɛ mu.
• Sikasɛm Mu Asianeɛ: Wɔde mfasoɔ a ɛboro so gye wo, na ebetumi asɛe wo sikasɛm.
• Ahobammɔ Ho Asianeɛ: Wɔde wo data ho nsɛm di dwuma wɔ ɔkwan bɔne so, a ebetumi ama wo ho nsɛm ayɛ amaneɛ.
• Ahometeɛ Asianeɛ: Wɔde ahometeɛ ne nneɛma bɔne di dwuma de gye sika.
• Din Ho Asianeɛ: Wɔbɛtumi apopa wo din wɔ amanfoɔ anim, na ama wo ho adwuma ayɛ den.

Adwumfoɔ Suahunu ne Akansifoɔ

Nnipa a wɔde Taploan app no adi dwuma no nsaeɛ mpɛn pii. Nsɛm a wɔka no yɛ nea ɛyɛ bɔne. Nsɛm a wɔtaa ka ho asɛm no bi ne:

• Ahometeɛ ne asɛm bɔne a wɔsoma.
• Mfasoɔ a ɛboro so a wɔde gye.
• Ɔkwan a ɛyɛ hu a wɔfa so gye sika.
• Data ho nsɛm a wɔsɛe.

Wɔn adwumayɛ kwan biara nni hɔ. Sɛ nhwɛsoɔ no, wɔbɛtumi ama wo sika a wunnyaa mpaeɛ mmaeɛ, na afei wɔbɛhyɛ wo sɛ tua. Wɔde asɛm bɔne somaa wo ne wo nnamfoɔ ne abusuafoɔ, de di wo ho fɛ, na wɔde wo ho nsɛm to intanɛt so de gu wo anim ase. Wɔtumi de wo telefon mu nsɛm, sɛ nhwɛsoɔ no wo nnamfoɔ din ne wɔn nɔma, di dwuma a wunnyaa wo kwan.

Taploan Akansifoɔ ne Mmara Kwan So Dwumadie

Taploan yɛ adwumakuw a ɛka adwumakuw ahodoɔ pii a ɛnyɛ mmara kwan so wɔ Gaana no ho. Saa adwumakuw ahodoɔ yi nyinaa nni mmara kwan so tumi krataa, na Gaanafoɔ sikasɛm adwumayɛfoɔ akɔkɔbɔ ho din. Sikasɛm adwumakuw a ɛyɛ nokware na ɛwɔ tumi krataa firi Gaana Sikasɛm Bank hɔ na ɛsɛ sɛ wɔne wɔn na ɛyɛ adwuma. Esiane sɛ Taploan yɛ adwumakuw a ɛnyɛ mmara kwan so nti, yɛnni nsɛm a ɛkyerɛ sɛnea wɔdi dwuma wɔ sikasɛm mu turodoo. Nanso, ɛda adi sɛ wɔde nsɛm bɔne ne ahometeɛ na ɛtwe nnipa.

Gaana abanfoɔ reyɛ adwuma denneennen sɛ wɔbɛtumi asiw saa adwumakuw a ɛnyɛ mmara kwan so yi ano. Gaana Sikasɛm Bank reyɛ mmara foforo a ɛbɛdi intanɛt so sika fɛm ho dwuma yie, na wɔhwɛ kwan sɛ ɛbɛba mu bɛyɛ August 2025. Eyi bɛboa ama wɔatumi abɔ amanfoɔ ho ban afiri adwumakuw bɔnefoɔ nsam.

Afotu a ɛho Hia ma Sika Fɛmfoɔ a Wɔpɛ Sika

Yɛde kɔkɔbɔ a emu yɛ den ma Gaanafoɔ nyinaa sɛ wɔnkwati Taploan koraa. Sɛ wode wo ho bɛhyɛ wɔn mu a, ɛde asianeɛ kɛseɛ ba wo sikasɛm, wo ho nsɛm, ne wo din so. Fa adwumakuw a ɛwɔ mmara kwan so tumi krataa na ɛfiri Gaana Sikasɛm Bank hɔ na ɛyɛ adwuma.

Nneɛma a ɛsɛ sɛ wobɛyɛ

• Kwati Taploan: Mfa wo ho nhyɛ wɔn adwuma biara mu.
• Bɔ Ahometeɛ ho amanneɛ: Sɛ Taploan anaa adwumakuw foforo bi de ahometeɛ di dwuma wɔ wo so a, bɔ Intanɛt Ahobammɔ Kuw (CSA) amanneɛ ntɛm ara. Wobɛtumi afrɛ anaa wasoma asɛm (text) wɔ 292, WhatsApp wɔ 0501603111, anaa asoma email akɔ [email protected].
• Paw Adwumakuw a ɛwɔ Tumi Krataa: Sɛ wopɛ sika fɛm a, kɔ Gaana Sikasɛm Bank web-site so na hwehwɛ adwumakuw a wɔanya tumi krataa a wɔde wɔn ho bɛdi dwuma.

Nea ɛwɔ mu no, Taploan yɛ adwumakuw a ɛnyɛ mmara kwan so koraa wɔ Gaana, na ɛde asianeɛ pii ba amanfoɔ so. Wɔn adwumayɛ kwan no yɛ hu, na ɛsɛ sɛ Gaanafoɔ nyinaa kwati wɔn. Fa wo sikasɛm ho nsɛm ma adwumakuw a ɛyɛ nokware na ɛwɔ mmara kwan so tumi krataa a Gaana Sikasɛm Bank de ama wɔn.