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Habari za UN, Huduma za fedha mtandao zamwondolea mwanafunzi adha ya kufuata fedha benki | | Habari za UN

Huduma za fedha mtandao zamwondolea mwanafunzi adha ya kufuata fedha benki | | Habari za UN

Misri, taifa lenye watu milioni 100 hivi sasa, lakini ni asilimia 30 tu ya watu hao yaani watu milioni 36.8 ndio wenye akaunti za benki. Katika zama hizo za huduma za fedha kimtandao, mashirika ya mawasiliano ya simu yanaingia ubia na benki ili kupanua wigo wa huduma hizo. Ukosefu wa huduma za fedha kimtandao zinakuwa kikwazo kwani wananchi hupoteza muda mwingi benki kusubiria malipo ambayo wangaliweza kuyapokea kupitia simu za kiganjani au rununu. Shuhuda pande zote mbili hizo ni msichana mmoja mkazi wa Cairo nchini Misri kama anavyosimulia Assumpta Massoi kwenye makala hii iliyoandaliwa na shirika la Umoja wa Mataifa la Mawasiliano duniani, ITU.

Kukurukakara za Cairo, mji mkuu wa Misri huu. Bajaji huku, magari kule, watu huku na kule. Alimradi harakati za asubuhi kwenye mitaa ya mji huu. Na miongoni mwa watu hao ni Gehad, mwanafunzi huyu wa kike. Lakini asubuhi hii, haendi shuleni, bali anaenda benki. Kulikoni, Gehad anasema, wazazi wangu walipeana talaka kama miaka kumi na mitano iliyopita. Malipo ya masurufu, kutoka kwa baba kwenda kwa mama, tulianza kupokea miaka mitano iliyopita kupitia benki ya Nasser. Waliweza kupokea fedha hizo, baada ya usaidizi kutoka wizara ya mshikamano wa kijamii ya Misri.

Hata hivyo kulikuwa na changamoto. Anasema, "Nilidamka kuwahi benki. Na nilisimama kwenye mstari mrefu sana. Kwa hiyo, siku ya kwenda benki, ilikuwa ni siku ngumu sana kwangu." Na hakika katika video hii ya shirika la Umoja wa Mataifa la Mawasiliano Duniani ITU, msururu ni mrefu katika benki ya Nasser. Wake kwa waume, hali kadhalika vijana wa kiume na wa kike akiwemo Gehad. Na pahala pa kuketi, viti ni vichache. Kwa ufupi, msongamano ni mkubwa. Serikali ya Misri kwa ushirikiano na benki ya Nasser wakabaini tatizo na hivyo wakaibuka na jawabu. Kama anavyosema, Ahmed Kedir, afisa mwandamizi kutoka kampuni ya mawasiliano ya simu Orange. "Wizara ya mshikamano wa kijamii na benki ya Nasser waliingia ubia na kampuni Orange. Ubia huu, umeundwa kuwawezesha wateja wa benki ya Nasser kupokea malipo yao ya masurufu kila mwezi wakiwa nyumbani. Na watapokea ujumbe mfupi kupitia simu yao kwamba wamepokea malipo yao na hivyo, anaweza kumtumia mtu yeyote fedha, au kulipa malipo yoyote, au kutoa fedha kupitia matawi ya Orange, mawakala, au kwenye mashine ya kutolea fedha."

Hii ilikuwa ni habari njema kwa Gihad. Akionekana kwenye video hiyo, akipokea ujumbe mfupi wa malipo, na kisha akiwa nyumbani, anasema, "Zamani nililazimika kukosa madarasa ya somo shuleni. Kwa sababu, nililazimika kuenda benki kuchukua fedha. Lakini sasa, naweza kupata wakati wowote ule." Harish Natarajan kutoka benki ya dunia, anaona hali ni mafanikio kubwa kwa wateja na watu wa huduma. "Huduma za fedha kimtandao zimeondoa kwa kiasi fulani, huduma za malipo kwa benki, kama huduma inayojitegemea. Ila sasa ni hatua moja mbele. Iwapo akaunti yako iko benki, bado unaweza kufanya miyamala na akaunti yako kupitia huduma zinazotolewa na mtoa huduma wa tatu."

Huduma za fedha mtandao zamwondolea mwanafunzi adha ya kufuata fedha benki | | Habari za UN Online financial services have relieved the student of the hassle of following money to the bank | UN news Los servicios financieros en línea han liberado al estudiante de la molestia de tener que llevar el dinero al banco | noticias de la ONU Les services financiers en ligne ont soulagé les étudiants de la difficulté de suivre l'argent jusqu'à la banque | Actualités de l'ONU Os serviços financeiros on-line aliviaram o aluno do incômodo de seguir o dinheiro até o banco | notícias da ONU

Misri, taifa lenye watu milioni 100 hivi sasa, lakini ni asilimia 30 tu ya watu hao yaani watu milioni 36.8 ndio wenye akaunti za benki. Egypt, a nation with 100 million people right now, but only 30 percent of those people ie 36.8 million people have bank accounts. Katika zama hizo za huduma za fedha kimtandao, mashirika ya mawasiliano ya simu yanaingia ubia na benki ili kupanua wigo wa huduma hizo. In the era of online financial services, telecommunications companies are entering into partnerships with banks to expand the scope of these services. Ukosefu wa huduma za fedha kimtandao zinakuwa kikwazo kwani wananchi hupoteza muda mwingi benki kusubiria malipo ambayo wangaliweza kuyapokea kupitia simu za kiganjani au rununu. The lack of online financial services is becoming an obstacle as citizens waste a lot of time at the bank waiting for payments that they could receive through cell phones or mobile phones. Shuhuda pande zote mbili hizo ni msichana mmoja mkazi wa Cairo nchini Misri kama anavyosimulia Assumpta Massoi kwenye makala hii iliyoandaliwa na shirika la Umoja wa Mataifa la Mawasiliano duniani, ITU. The witness on both sides is a girl who lives in Cairo, Egypt, as Assumpta Massoi tells in this article prepared by the United Nations World Telecommunication Organization, ITU.

Kukurukakara za Cairo, mji mkuu wa Misri huu. The streets of Cairo, the capital of this Egypt. Bajaji huku, magari kule, watu huku na kule. Bajaji here, cars there, people here and there. Alimradi harakati za asubuhi kwenye mitaa ya mji huu. As long as the morning movement on the streets of this city. Na miongoni mwa watu hao ni Gehad, mwanafunzi huyu wa kike. And among those people is Gehad, this female student. Lakini asubuhi hii, haendi shuleni, bali anaenda benki. But this morning, he's not going to school, he's going to the bank. Kulikoni, Gehad anasema, wazazi wangu walipeana talaka kama miaka kumi na mitano iliyopita. At home, Gehad says, my parents divorced about fifteen years ago. Malipo ya masurufu, kutoka kwa baba kwenda kwa mama, tulianza kupokea miaka mitano iliyopita kupitia benki ya Nasser. We started receiving the remittances, from father to mother, five years ago through Nasser bank. Waliweza kupokea fedha hizo, baada ya usaidizi kutoka wizara ya mshikamano wa kijamii ya Misri. They were able to receive the funds, after assistance from the Egyptian Ministry of Social Solidarity.

Hata hivyo kulikuwa na changamoto. However there were challenges. Anasema, "Nilidamka kuwahi benki. He says, "I realized I was a banker. Na nilisimama kwenye mstari mrefu sana. And I stood in a very long line. Kwa hiyo, siku ya kwenda benki, ilikuwa ni siku ngumu sana kwangu." So, the day I went to the bank, it was a very difficult day for me." Na hakika katika video hii ya shirika la Umoja wa Mataifa la Mawasiliano Duniani ITU, msururu ni mrefu katika benki ya Nasser. And indeed in this video of the United Nations International Telecommunication Organization ITU, the line is long at Nasser's bank. Wake kwa waume, hali kadhalika vijana wa kiume na wa kike akiwemo Gehad. Wives and husbands, as well as young men and women, including Gehad. Na pahala pa kuketi, viti ni vichache. And where to sit, there are few seats. Kwa ufupi, msongamano ni mkubwa. In short, the density is high. Serikali ya Misri kwa ushirikiano na benki ya Nasser wakabaini tatizo na hivyo wakaibuka na jawabu. The Egyptian government in collaboration with Nasser's bank identified the problem and thus came up with an answer. Kama anavyosema, Ahmed Kedir, afisa mwandamizi kutoka kampuni ya mawasiliano ya simu Orange. As he says, Ahmed Kedir, a senior official from the telecommunications company Orange. "Wizara ya mshikamano wa kijamii na benki ya Nasser waliingia ubia na kampuni Orange. "The Ministry of Social Solidarity and Nasser's bank entered into a joint venture with the Orange company. Ubia huu, umeundwa kuwawezesha wateja wa benki ya Nasser kupokea malipo yao ya masurufu kila mwezi wakiwa nyumbani. This partnership is designed to enable Nasser bank customers to receive their monthly installments at home. Na watapokea ujumbe mfupi kupitia simu yao kwamba wamepokea malipo yao na hivyo, anaweza kumtumia mtu yeyote fedha, au kulipa malipo yoyote, au kutoa fedha kupitia matawi ya Orange, mawakala, au kwenye mashine ya kutolea fedha." And they will receive a text message through their phone that they have received their payment and thus, they can send money to anyone, or pay any payment, or withdraw money through Orange branches, agents, or at a cash dispenser."

Hii ilikuwa ni habari njema kwa Gihad. This was good news for Jihad. Akionekana kwenye video hiyo, akipokea ujumbe mfupi wa malipo, na kisha akiwa nyumbani, anasema, "Zamani nililazimika kukosa madarasa ya somo shuleni. Appearing in the video, receiving text messages for payment, and then at home, he says, "I used to have to miss classes at school. Kwa sababu, nililazimika kuenda benki kuchukua fedha. Because, I had to go to the bank to get money. Lakini sasa, naweza kupata wakati wowote ule." But now, I can get it anytime." Harish Natarajan kutoka benki ya dunia, anaona hali ni mafanikio kubwa kwa wateja na watu wa huduma. Harish Natarajan from the World Bank, sees the situation as a great success for customers and service people. "Huduma za fedha kimtandao zimeondoa kwa kiasi fulani, huduma za malipo kwa benki, kama huduma inayojitegemea. Ila sasa ni hatua moja mbele. Iwapo akaunti yako iko benki, bado unaweza kufanya miyamala na akaunti yako kupitia huduma zinazotolewa na mtoa huduma wa tatu."