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RBI Bars Fintech Kamfanoni Daga Load Cards Amfani da Layin Kiredit: Mahimmanci 10 don fahimtar Motsi

Bankin Reserve na Indiya (RBI) a wannan makon ya ba da sanarwa ga duk masu ba da kayan aikin biyan kuɗi na banki (PPI) a cikin ƙasar don hana su lodin kayan aikin ciki har da katunan da aka riga aka biya ta amfani da layukan kuɗi. An yi imanin matakin ya shafi wasu kamfanoni na fintech ciki har da Uni, Slice, da KreditBee waɗanda ke ba da katunan tare da layukan kiredit don maye gurbin katunan kuɗi na gargajiya. Wasu daga cikin kamfanonin da abin ya shafa ma sun dakatar da hada-hadar kasuwanci a dandalinsu na wucin gadi.

Anan akwai mahimman bayanai guda 10 don bayyana odar RBI da tasirin sa.

  1. RBI a ranar Litinin ta ba da sanarwa ga duk masu ba da PPI da ba na banki ba da su fito fili ta taƙaita musu lodin kayan aikin da aka riga aka biya har da katunan ta amfani da layukan kuɗi.
  2. "Irin wannan al'ada, idan aka bi shi, ya kamata a dakatar da shi nan da nan," babban bankin ya ce a cikin sanarwar mai shafi guda daya da aka aika zuwa masu ba da PPI wadanda ba na banki ba, abin da na'urorin 360 suka yi nazari a ciki. Ya kuma bayyana cewa "duk wani rashin bin doka" zuwa odar na iya jawo hankalin "matakin hukunci a ƙarƙashin tanadin da ke ƙunshe a cikin Dokar Tsarin Biyan Kuɗi da Matsala, 2007."
  3. Yawancin kamfanonin fintech a cikin ƙasar sun yi amfani da lasisin PPI don ba da katunan da walat ɗin hannu na watanni da yawa da suka gabata. Wasu daga cikinsu kuma sun samar da kayan aikin da aka bayar tare da layukan kiredit don riƙe tushen mai amfani da fahimtar tsarin siyan masu amfani da su na dogon lokaci.
  4. Wataƙila ƙuntatawa zai yi tasiri ga farawa da suka haɗa da Slice, Uni, da LazyPay na PayU waɗanda ke ba da layukan kiredit ga masu amfani da su. Hakazalika, kamfanoni daban-daban da ke amfani da siyan yanzu, samfurin biya daga baya (BNPL) ana kuma sa ran umarnin RBI zai shafi su. Wannan yana nufin cewa ana iya samun ƙuntatawa a wurin Paytm Postpaid, Ola Postpaid, da Amazon Pay Daga baya, da sauransu.
  5. Koyaya, umarnin hukuma bai haɗa da sunan kowane ƙungiyoyin da abin ya shafa ba.
  6. Matakin dai bai shafi bankunan kasuwanci ba, domin an yi bayani ne musamman ga masu ba da PPI da ba na banki ba a kasar.
  7. Sakamakon odar, masu farawa sun haɗa da Jupiter da kuma Farkon Albashi sun sanar da masu amfani da su cewa sun kashe ma'amaloli na ɗan lokaci akan dandamalin su. KreditBee, wani kamfani da ba na banki ba (NBFC), shi ma ya daina gudanar da hada-hadar kasuwanci tun bayan fitar da odar. "Sai dai idan babu cikakken bayani, ba za mu so mu kasance a gefen da ba daidai ba na ƙa'idar," Sugandh Saxena, Shugaba na ƙungiyar masana'antu ta Fintech Association for Consumer Empowerment (FACE), ya gaya wa Gadgets 360. EarlySalary da KreditBee suna cikin membobin. na FACE.
  8. BharatPe Co-kafa Ashneer Grover ya dauki shafin Twitter don caccakar babban bankin saboda sabuntawa. "Rashin ƙyale lodin kayan aikin da aka riga aka biya ta hanyar kiredit yana nufin kare kasuwancin katin kiredit na kasala daga kasuwancin fintech na BNPL," in ji shi. ya ce, ya kara da cewa, "Kasuwa kasuwa ce kuma tsari zai zo karshe ga abin da kasuwa ke bukata."
  9. Masu farawa na Fintech a halin yanzu suna tantance halin da ake ciki kuma ba sa son yin magana a bainar jama'a game da lamarin har sai sun sami cikakkun bayanai daga hukumomin gudanarwa, mutanen da suka saba da lamarin sun gaya wa Gadgets 360. "Na tabbata za a sami asarar kasuwanci akai-akai a kusa da shi kuma a fili, Hadarin tsari dangane da jin dadi, amma yana da matukar wahala a ba da lambobi dangane da abin da zai zama ainihin asara, ”in ji Saxena na FACE.
  10. Ƙuntatawa na iya ƙarshe tura mutane a cikin ƙasar don samun katunan kuɗi na gargajiya don ba da kuɗin siyayyarsu maimakon dogaro da dandamali na BNPL. Amma babu wani haske game da ainihin abin da zai faru ga masu amfani waɗanda suka riga sun mallaki katunan daga kamfanonin da RBI ta hana su yanzu. Har ila yau, ba a sani ba ko za su ci gaba da amfani da irin waɗannan katunan ko yin ciniki a kan bashi daga gare su.

Don sabbin labarai na fasaha da sake dubawa, bi Gadgets 360 akan Twitter, Facebook, Da kuma Google News. Domin samun sabbin bidiyoyi kan na'urori da fasaha, ku yi subscribing din mu YouTube channel.

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Karin bayani: Bankin Reserve na Indiya, kayan aikin biyan kuɗi da aka rigaya, saya yanzu biya daga baya, BNPL, Uni, Slice, KreditBee, Jupiter, Paytm Postpaid, Amazon Pay, Ola Postpaid, LazyPay, PPI, katunan da aka riga aka biya

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