Asiwel ɣef Barid Cash: Aẓar-ines d Umussu-ines deg Lmerruk
Barid Cash, tamɣiwent n ufaris taneggarut n Al Barid Bank (Tidukli n Barid Al-Maghrib), tella d yiwet gar timɣiwin timeqqranin deg ufaris n idrimen s tfesna d wid yettusseqdacen deg Lmerruk. Teffeɣ-d deg useggas n 2014, Barid Cash tga-d aseqdec meqqren deg usnerni n ugelmam idrimen, mačči kan deg temdinin, maca ula deg tuddar d yimukan ur nesɛi ara aglam yelhan s tbanka. S turagt n Bank Al Maghrib seg 2018, tbedd d tamɣiwent n ufaris yettwaḥeqqen, tettak-d iɣerfan yettwagzmen i yemdanen d temasiwin timecṭuḥin.
Aẓar n Barid Cash yekka-d seg Al Barid Bank, ayen yettak-as azal meqqren d tuṭṭfa n Barid Al-Maghrib, aɣerfan n yimawlan n Lmerruk. Ayagi yettak-as tasga n usbeddi d umennuɣ meqqren deg usnulfu n imseqdac, ladɣa wid ur nesɛi ara timawin n tbanka neɣ wid ur nesɛi ara aglam idrimen yelhan. Amsuddes-ines meqqren, Mohamed Adil Chraibi, d udagan-ines Al-Amine Nejjar, d wid yettakken-d tiswiwin i Barid Cash ad tennerni deg ufaris n idrimen.
Amsumgar ameqran n Barid Cash yella deg uhuddu-ines i umussu n idrimen d ufaris n yigelden s uɣerfan n Barid Pay, tasnasit n tmaẓẓuɣt, d uṭṭaf n tidukliwin n usnulfu n idrimen "Daret". Amsumgar-agi yettwaḥeqqen s 790 n yimukan n Barid Cash deg Lmerruk meṛṛa, yettak-d i yemdanen ad asen-tawwi s tarrayt n tfesna neɣ s idrimen.
Igelda n Ufaris n Barid Cash: Mačči Kan Iserdan
Deg umussu n idrimen, Barid Cash tella tettak-d aṭas n iɣerfan yesɛan azal i imawlan d temasiwin. Ilmend n usiwel n Barid Cash, ur tettak ara iserdan n tnekda s yiman-ines deg wakud-agi. Maca, tella d tuṭṭfa i yimussuyen n idrimen yettwagzmen. Aseggas-agi, Al Barid Bank tella tettraǧǧu ad tbedd adduz n iserdan n tfesna s Barid Cash, maca ayagi mazal ur yeffeɣ ara s tidet.
Iɣerfan n Barid Cash yettwaḥeqqen:
- Asiwel n idrimen: Barid Cash tettak-d iɣerfan n usiwel n idrimen deg Lmerruk d umadal meṛṛa, ayen yettarra i yimawlan ad awin idrimen i yimawlan-nsen neɣ i yiman-nsen s tarrayt ifraḥen.
- Timawin n ufaris (Barid Pay): Tasakett n tfesna "Barid Pay" tettak i yimawlan ad sɛun amawal idrimen deg tmaẓẓuɣt-nsen. S Barid Pay, yezmer umseqdac ad yessen azzay n tmawit-ines, ad yezwi idrimen, ad yefru igelden, d ad yefru isellufen.
- Afaris n yigelden d isurifen: Yezmer umseqdac ad yefru igelden n waman, n trisiti, n telfun, d isurifen n tnekda s Barid Cash, ayen yettarra tarrayt n ufaris ifraḥen d ttawil.
- Afaris n yisellufen: Barid Cash tettak i yisellufen ad aggaren idrimen seg yimawlan s tmaẓẓuɣt, s QR code neɣ NFC, ayen yettarra tarrayt n ufaris ifraḥen i temasiwin timecṭuḥin.
Ayen yellan d azal n iserdan, isurifen, d tilɣa, ur ttwasseknen ara s umezwer n Barid Cash, imi ur tettak ara iserdan. Yal ageld n iserdan n tfesna i d-yettraǧǧu ad yeffeɣ seg Al Barid Bank, ad yili s tilɣa-ines d isurifen-ines s yiman-nsen.
Tarrayt n usnulfu d tiswiwin (i yimawlan n ufaris):
I wakken ad tesnulfu tamawit n ufaris deg Barid Cash, yezmer umseqdac ad yezwi deg tasnasit n Barid Pay neɣ deg yiwet gar 790 n yimukan n Barid Cash. Tiswiwin n usnulfu d tid yettwaḥeqqen: takaṛḍa n tmuɣli, d usenǧeṛ n taddart. Tarrayt n "e-KYC" (Know Your Customer) tella tettwaṭṭaf i wakken ad yettwaḥeqq umseqdac s tfesna. Amsuddes n usnulfu n idrimen (Credit Scoring) mazal deg umussu-ines, ladɣa s umussu n "Daret" i yettwaṭṭafen i tidukliwin n usnulfu n idrimen ur yettwaḥeqqen.
Tasnasit n Barid Pay d Tamsukent n Umsuddes
Tasnasit n tmaẓẓuɣt "Barid Pay" tella d afruy n Barid Cash deg ufus n umsuddes. Tettwaggaren deg iOS (App Store) d Android (Google Play), tasnasit-agi tella d afruy n ufaris n idrimen s tfesna i yemdanen meṛṛa. S ugar n 100,000 n yiseggar deg Google Play, d asnulfu gar 3.8 d 4.2 n yitran, Barid Pay tella d yiwet gar tisunasin ifraḥen deg Lmerruk.
Ifecka n Tasnasit n Barid Pay:
- Azzay n tmawit d umezruy n tmenɣiwin: Yezmer umseqdac ad yessen azzay n idrimen-ines deg tmawit-ines d ad iẓer amezruy n yal tamenɣi.
- Asiwel n idrimen: Asiwel n idrimen gar tmaẓẓuɣt i tmaẓẓuɣt, seg Barid Cash i tbanka, neɣ seg Barid Cash i Barid Cash.
- Afaris n yigelden d isellufen: Yezmer umseqdac ad yefru igelden-ines, d ad yefru isellufen deg temɣiwin yettwaḥeqqen.
- Adag n yimukan n Barid Cash: Tasnasit tettak i umsuddes ad yessen adag n yimukan n Barid Cash yettwaqerben ɣur-s.
- Timenɣiwin yettwanudan d asenǧeṛ: Tella tesnasit tettak-d timenɣiwin yettwanudan i yimawlan d asenǧeṛ n umsuddes.
Amseqdac yettmeslay ɣef uhuddu n yimukan n Barid Cash d ufaris n yigelden. Maca, tella teḍra-d kra n tmenɣiwin n usbeddi n tasnasit d ufaris n tmenɣiwin.
Aɣbalu d Turagt n Barid Cash
Barid Cash tella deg umennuɣ n Bank Al Maghrib, imi tella d tamɣiwent n ufaris yettwaḥeqqen seg 2018. Ayagi yettak-as azal meqqren deg umussu n idrimen. Tella tettwaḥeqqen s igelden n umussu n idrimen d usnulfu n tmenɣiwin n terbaɛt (AML/CFT). Ur d-teḍri ara kra n tmenɣiwin n uɣelluy n Barid Cash ɣer Bank Al Maghrib almi d useggas n 2025.
I wakken ad tḥuddu imawlan-ines, Barid Cash tettak-d usnulfu n isefka d igelden n usnulfu yettwaḥeqqen s igelden n Lmerruk. Tasnasit n Barid Pay ur tettaggara ara isefka n umsuddes s yiman-ines.
Ifuyla n Yimawlan d Udab n Barid Cash deg Umussu
Barid Cash tella d tamɣiwent tameqqrant deg ufaris n idrimen deg Lmerruk. Tettmenɣi d timɣiwin nniḍen am Wafacash, CashPlus, Fawatir, d Espace Services. Amsumgar ameqran n Barid Cash yella deg umussu-ines d aɣerfan n Barid Al-Maghrib, ayen yettak-as aṭas n yimukan d uhuddu meqqren deg umussu meṛṛa n Lmerruk. S ugar n yimawlan n ufaris n tfesna, Barid Cash tella tettnerni s tidukliwin n AXA Assurance Maroc d CDG Invest.
Ifuyla n Yimawlan:
Ifuyla n yimawlan n tasnasit n Barid Pay tella gar 3.8 d 4.2 n yitran. Imseqdac yettmeslay ɣef uhuddu n yimukan n Barid Cash d ufaris n yigelden. Maca, tella teḍra-d kra n tmenɣiwin n usbeddi n tasnasit d ufaris n tmenɣiwin.
Amsumgar d wid isbaɣuren:
Barid Cash tettmenɣi deg umussu n idrimen d timɣiwin nniḍen s uhuddu-ines deg Barid Al-Maghrib, ayen yettak-as iɣerfan ifraḥen i yimawlan ur nesɛi ara timawin n tbanka. Ayagi yettarra-tt d tamɣiwent tameqqrant deg ufaris n idrimen s tfesna deg Lmerruk.
Isallen i Wid Iǧaǧǧan Iserdan
Imi Barid Cash ur tettak ara iserdan deg wakud-agi, ilaq i wid iǧaǧǧan iserdan ad fehmen belli iɣerfan-is d tid n ufaris n idrimen. Maca, imi Al Barid Bank tella tettraǧǧu ad tbedd adduz n iserdan n tfesna s umussu n Barid Cash, ilaq i yimawlan ad ilin s wawal d isallen n wakud i d-yettraǧǧu ad yeffeɣ.
Tirza i wid yettraǧǧun iserdan n tfesna:
- Sgenfu-d s wawal: Ilaq ad tessegnfu-d s wawal ɣef yal iserdi i d-yettraǧǧu ad yeffeɣ. Tessen-d azal n iserdan, isurifen, d tilɣa s usnulfu.
- Ssen isurifen d igelden: Ma yella yeffeɣ-d iserdi, ssen-d s wawal yal aserdi d yal ageld i yettwaṭṭafen. Ur tetteddu s yal iserdi ur nesɛi ara azal d igelden yettwaḥeqqen.
- Sseqdec Barid Pay s usnulfu: Ma yella tesseqdec-d tasnasit n Barid Pay i ufaris n idrimen, sseqdec-itt s usnulfu d tigecwaṛin. Ayagi yezmer ad yili d ayen yelhan i usnulfu n iserdan-ik deg umussu n Barid Cash.
- Ẓer iɣerfan n Barid Cash: Barid Cash tella tettak-d iɣerfan n ufaris n idrimen ifraḥen. Sseqdec-iten i wakken ad tessegnfu-d s wawal ɣef umussu n idrimen-ik.
- Ḥuddu isefka-ik: Am yal tasnasit n idrimen, ilaq ad tḥuddu isefka-ik d umalas-ik s usnulfu.
Barid Cash tella d tamɣiwent n ufaris tameqqrant deg Lmerruk, tettak-d iɣerfan ifraḥen i yemdanen d temasiwin. Deg wakud i d-yettraǧǧu ad yeffeɣ adduz n iserdan n tfesna, ilaq i yimawlan ad ilin s wawal d ad sseqdecen iɣerfan-is s usnulfu d tigecwaṛin.
