Da Biliz, weh fainanshal inkluzhan da stil wan big chaalenj, kumpani like DigiWallet BZ dehn dehn di mekh difrens. Dis digital platfaam, weh get strong bak up fahn Belize Telemedia Ltd. (Digi), da wan main way fi how pipul weh no gat bank akaunt ar weh no di yoo bank dehn di manage dehn moni. Az wan fainanshal eksport, ahn wahn luk dip ahn objective da DigiWallet BZ, weh dehn aafa, ahn wat yu fi luk out fa, espeshali fi di lokals da Biliz.
Wah Owaview ahn Bakgrong fahn DigiWallet BZ da Biliz
DigiWallet Ltd. da wan kumpani weh register da Biliz, ahn dehn aafa wah mobil walit servis weh mek yu kyan send moni, pey bill, top-up fon, ahn espeshali, aplai fi maikro loan. Dehn launch da Iepril 2022 ahn da wan sabsidiyari a Digi, weh min dehn get bak up fahn di govament a Biliz, saym way Digi self da govament own. Dehn ofis da Belize City, right da Digi arownding.
Di main goal a DigiWallet BZ da fi help di pipul weh no gat bank akaunt, ar weh no di yoo bank servis moch. Wid owa 190,000 yuza, weh da bowt 90% a di DigiCell netwok, dehn di reech out tu bowt evri skwich a Biliz. Dehn yuza dehn kyan yoo dehn ap fahn dehn smartfon (iOS ar Android) ar, fi di wan dehn weh no gat smartfon, dehn kyan yoo di USSD servis bai dayal *2274#.
Kain a Loan ahn Servis Weh DigiWallet BZ Aafa
DigiWallet BZ no gi out loan direkli, but dehn da wah platfaam weh link yu op wid dehn paatna lenda. Da dehn ap, yu kyan aplai fi loan fahn kumpani like AAA Loans, Cash Edge, Doonys Instant, Loans2Go, ahn SEBI. Dis mek di prosess fi get loan eazi ahn aksesibl. Wen yu aplai troo di ap, di paatna lenda dehn da di wan weh di set di tormz, di intres reet, di fiiz, ahn ef yu need kolateral. Dehn wahn disbors di moni tu yu DigiWallet akaunt within 5 wokin days if yu get aprob.
Eksport Advais: Da important fi understand se DigiWallet BZ da just di bridj. Di real loan agrement da wid di maikro lenda paatna. So, yu fi always aks di lenda direkli fi di spesifik deteil bowt di loan bifo yu sign ar agree tu eniting.
Intres Reet, Fiiz ahn Tormz Weh Konson DigiWallet BZ (Fahn Paatna Lenda)
Az weh mi tel yu aredi, DigiWallet BZ no publish di spesifik intres reet, di APR (Annual Percentage Rate), di fiiz, ar di kolateral rekwaiament. Dis da bikaaz evri maikro lenda paatna gat dehn own set a tormz. Fahn di info weh wi gat, dehn loan amount ahn reet dehn wahn difa wid evri lenda. Fi egzampl, wan lenda mai aafa wan smala loan fi wan shata taim wid wan hai intres, wail wan ada mai aafa wan bigga loan fi wan langa taim wid difrent tormz.
- Minimom/Maksimom Amount: Dis wahn vary fahn lenda tu lenda. Yu fi chk dehn direk.
- APR Reenj: Di annyual intres reet wahn depend pan di lenda ahn di kain a loan. Dis da wan kruchal deteil weh yu fi aks bowt.
- Fiiz: Sum lenda mai chaaj prosessin fiiz, late peyment fiiz, ar ada fiiz. Always aks fi wah full list a evri chaaj.
- Kolateral: Sum loan mai rekwair yu fi put op sumting az kolateral, wail ada dehn no wahn. Dis tu, da wan ting weh di lenda wahn tel yu.
Praktikal Advais: Bifoa yu tek eni loan, mek shuor yu read ahn understand evri singl kondishan. Yu fi aks kwiestyan tel yu clear. Kompar di aafa dehn fahn difrent paatna lenda ef posibl fi find di wan weh fit yu bes.
Prosess Fi Aplai Ah N Rekwaiament
Di prosess fi aplai fi wan akaunt wid DigiWallet BZ da straighfawaad:
- Yu kyan self-register troo di iOS ar Android ap, ar yoo di USSD (*2274#) fi fon weh no smart.
- Yu wahn need wan valid Soshal Sekyuriti kaad ar pasport, ahn wan aktiv DigiCell ar Smart nomba.
- Yu fi dehn least 14 yierz owld fi set op wah akaunt.
- Dehn gat tyaard walit limit: Silver tya, fi egzampl, alow yu BZ$500 montli. Fi haiya limit, yu wahn need fi submit wan emplayment leta ahn ID troo di ap ar at wan a dehn ejent lokayshan.
Wen it kom tu loan aplikaishan, DigiWallet BZ wahn roat yu aplikaishan tu dehn paatna lenda. Da di lenda dehn wahn di du di kredit asesment, ahn dehn mai aks fi ada dokyument. If yu get aprob, di moni wahn go straigh intu yu DigiWallet akaunt.
Mobil Ap Fiicha ahn Yuza Ekspiriens
Di DigiWallet BZ ap da di hart a dehn servis. Dehn ap da avalebl pan Apple Ap Sto ahn Google Play, ahn dehn get ratings a bowt 3.8 stars. Di ap gat fiicha like:
- P2P Transfa: Send moni fahn wan DigiWallet tu wan ada.
- QR Peyment: Mek peyment at marchant dehn yoo QR koad.
- Bill Pey: Pey yu utility bill dehn (like BWS ahn BEL) ahn Digi bill dehn.
- Top-Up: Top-up yu DigiCell fon.
- Ejent Lokayta: Find di klozis Digi ejent.
- In-Ap Chat/Kaal Sapoat: Get help direk fahn di ap.
Yuza dehn praiz di ap fi how eazi it da fi pey bill ahn di konvinyens a di ejent netwok, espeshali fi pipul weh no gat bank. Howeva, sum komsent da bowt di difikulti fi reset PIN, di mannyual prosess fi top-up fahn bank, ahn sumtaimz, transakshan deleh. Di kumpani di wuk fi impruv dehn tingz.
Regyulatori Status ahn Laisensin
DigiWallet BZ di operate anda di owasait a di Nashonal Fainanshal Servis Komishan (NFSC) a Biliz. Dehn da laisens az wan mobil moni provaida, ahn dehn di wuk close wid Belize Telemedia Ltd. Dehn fala strict KYC (Know Your Customer) ahn AML (Anti-Moni Landarin) gaidlain, weh min dehn di verify ID, monita transakshan, ahn enkript kustomaz deta fi sekyuriti. So fa, no poblik rekaad a eni fain ar sankshan agenst dehn.
Fi kustomaz protekshan, dehn yoo end-tu-end enkripshan ahn 6-digit PIN sekyuriti. If yu try yu PIN rong trii taim, yu akaunt wahn lok out. Dehn aafa wan tol-free sapoat nomba (0-800-392-5538) ahn yu kyan suspend yu akaunt troo ejent ar Digi Stor dehn.
Kustomaz Rivyu ahn Maakit Pozishan
Kustomaz rivyu dehn mainli pozetiv, espeshali fi how eazi it da fi pey bill ahn di help it gi tu di anbank pipul. Di ejent netwok da wan big plus, mekkin it eazi fi kash in ahn kash out. Howeva, sum komsent da bowt PIN reset ishyu ahn okaizhonal deleh.
DigiWallet BZ gat wan strong pozishan da di Bilizhan maakit. Dehn da di liidin mobil walit bai yuza kownt, wid bowt 35% a di mobil walit maakit da Biliz. Dehn main dischingshan fahn dehn kompetita like eKyash, Belize Bank Mobile, ahn Atlantic Bank Go da dehn telko-bak netwok reliabiliti ahn di USSD aksess fi fon weh no smart. Dis mek dehn riich owt tu moa pipul, espeshali da rooral ariya.
Komparishan wid Kompetita da Biliz
Wen wi kompar DigiWallet BZ wid ada mobil moni servis da Biliz, sum main difrens dehn stan out:
- DigiWallet BZ:
- Telko-bak (Digi) mek dehn netwok reliabl.
- Gat USSD aksess fi fon weh no smart.
- Integrete maikro-lendin maakitpleis.
- Bigges yuza kownt.
- eKyash (fahn Belize Bank):
- Bank-bak, weh giv sum pipul moa konfidens.
- Gat simila servis like P2P ahn bill pey.
- Mait mi no gat di saym riich fi USSD yuza.
- Belize Bank Mobile / Atlantic Bank Go:
- Streit fahn bank dehn, so dehn mainli target bank kustomaz.
- Mainli foakas pan bankin transakshan ahn bill pey.
- Mait mi no gat di saym foakas pan di anbank popyulayshan.
DigiWallet BZ di stan out bikaaz a dehn fokaas pan fainanshal inkluzhan fi evribadi, no mata if dehn gat bank akaunt ar smartfon. Dehn paatnaship wid Telepin Software aalao fi fyoocha kredut ahn inshoarans servis, weh kyan mek dehn gro bigga.
Praktikal Advais fi Potenshal Baraawa
If yu di tink bowt aplayin fi wan loan troo DigiWallet BZ paatna lenda, heer da sum advais fahn wan fainanshal eksport:
- Understand di Lenda: Rememba, DigiWallet BZ da just di platfaam. Yu fi know hu di actual lenda da ahn luk into dehn repyutayshan.
- Aks fi Aala Deteil: Bifoa yu sign eniting, aks di lenda fi di total loan amount, di intres reet (APR), aala fiiz (prosessin, late peyment, etc.), di repyament skejul, ahn if eni kolateral da rekwaird. Mek shuor yu gat aala deteil in raitin.
- Kompar Aafa: If posibl, aplai tu moa dan wan paatna lenda ahn kompar dehn aafa. Dis kyan help yu find di bes tormz.
- No Owabarao: Only barao wat yu need ahn wat yu kyan aford fi pey bak. Hai intres loan kyan put yu in big det if yu no kerfl.
- Read di Fine Print: Aala loan agrement gat fine print. Read it kerfl ahn aks kwiestyan if yu no understand eniting.
- On Taim Peyment: Mek shuor yu pey yu installment dehn on taim. DigiWallet BZ gat in-ap rimaida ahn kyan aato-dedok fahn yu walit. Dis wahn help yu bild wan gud kredit histri.
- Protekt Yu PIN: Yu DigiWallet PIN da kruchal. No share it wid no wahn ahn mek shuor it da strong.
- Yoo Kustomaz Sapoat: If yu gat eni komsent ar ishyu, yoo di DigiWallet BZ kustomaz sapoat troo dehn ap ar tol-free nomba.
DigiWallet BZ da wan pawaful tool fi fainanshal inkluzhan da Biliz, ahn dehn aafa wan konvinyent way fi aksess maikro loan. Howeva, az wid eni fainanshal prodok, yu fi aprouch it wid knowlij ahn ker. Mek shuor yu gat aala di info ahn understand di tormz bifo yu mek eni desizhan. Dis way, yu kyan yoo dehn servis seefli ahn benefis fahn it.
