Amagaz n Cash Plus deg Murakuc: Asɣer d Timazarin
D awal i d-yewwin ɣef Cash Plus, yiwet n tasharukit tameqqrant i d-yesseknen iman-nnes s waṭas deg umkan n tedrimt deg Murakuc. Tasharukit-agi, i d-iḥlan deg useggas n 2004 s yisem n "RAMAPAR" u tbeddel isem ɣer "Cash Plus", tewwi azal meqqren gar tisharukin n uxeddim n tedrimt ur t-id-gan d tibanku. Texdem s telqayant akken ad tefk timazarin n tedrimt i yimezdaɣen d tisharukin timeẓẓyanin, seg usiweḍ n tedrimt alamma d usarfaḍ aẓruyan.
Cash Plus tella d tasharukit n tedrimt i d-iḥlan sɣur Bank n Murakuc (Bank Al-Maghrib). Aɣerbaz-nnes yezga-d deg taddart n Adar n Pléiades 1, Anfa, Casablanca. S ussan, aglam-nnes yeẓẓa ugar deg uswaq s usenǧer n tedrimt i d-yeǧǧan Mediterrania Capital Partners ad taɣ 49% seg-s deg useggas n 2014. Deg useggas n 2023, FMO d IFC gan-d 57 imelyunen n euro akken ad ttekknen deg usenflul n Cash Plus ɣer uẓruy. Ayagi yessken-d azal n Cash Plus d usnerni-nnes deg umkan n tedrimt deg Murakuc.
Imi tella Cash Plus d tasharukit i d-imudden azal meqqren i yal amezdaɣ, tettidir s umuɣ n 8000 n yimezgagen deg yal amkan n Murakuc, seg temdinin timeqqranin alamma d imukan yaggugen, akken ad taweḍ ɣer yal amezdaɣ yettwaḥeǧen i timazarin n tedrimt.
Timazarin n Userfaḍ d Tedrimt n Cash Plus
Cash Plus ur tettekkan kan deg usiweḍ n tedrimt, maca tefka-d daɣen timazarin n usarfaḍ s uẓruy s usnas-nnes n CashPlus Digital. Timazarin-agi d tid i d-yemmuggen i wakken ad tɣaṭṭen i yimezdaɣen akken ad afen tedrimt i yiẓeṭṭan-nsen neɣ i tisharukin-nsen timeẓẓyanin.
Timawalin n Userfaḍ
- Asarfaḍ imẓẓul: Cash Plus tefka-d asarfaḍ imẓẓul i yimezdaɣen. Ur d-mmuggen ara yixater meqqren deg umkan i yal amezdaɣ, maca yettwaɣil ad yili alamma d 50.000 n yidrimen n Murakuc (MAD). Asway n useqqi deg useggas (APR) yettwaɣil ad yili gar 10% d 20%. Ilaq ad yettwaḥeqqeq uxater-agi s usiwel i tasharukit.
- Asarfaḍ i tisharukin timeẓẓyanin: I tisharukin timeẓẓyanin, Cash Plus tefka-d asarfaḍ alamma d 200.000 n yidrimen n Murakuc (MAD). Asway n useqqi deg useggas (APR) yettwaɣil ad yili gar 12% d 24%. Ayagi daɣen yettwaḥeǧ ad yettwaḥeqqeq s usiwel i tasharukit.
Ilaq ad yettwaḥeqqeq uxater d iswayen n useqqi s usiwel i Cash Plus neɣ s usnas-nnes amussu, imi ur d-mmuggen ara s telqayant deg umkan. Taɣaladit taẓruyant tella s usnas amussu s usenǧer n CNIE neɣ n talɣiwin n timmad, s e-KYC (asenǧer aẓruyan n umesbaɣur) d e-signature (azmul aẓruyan).
Timazarin n Tedrimt Nniḍen
- Asiweḍ n tedrimt: S umuɣ n yimezgagen-nnes meqqren, Cash Plus tefka-d asiweḍ n tedrimt deg Murakuc d berra (alamma d 10.000 MAD deg useggas ɣer berra).
- Axaṭar n yixater: Yal amezdaɣ yezmer ad yaxṭar aman, tisga, idrimen n CNSS d yixater nniḍen.
- Abeddel n tedrimt: Iswayen ileḥḥun deg 6000 n yimezgagen-nnes.
- Tafekkast n tedrimt taẓruyant: Akunti yelhan ur yesseḥtaj ara aɣaram, s tkart n MasterCard. Yella s tɣawsiwin yemxallafen (200 MAD / 5.000 MAD / 20.000 MAD) s usenǧer n talɣiwin n timmad d tmezdaɣ.
- Logistics (Tawssil): Asiweḍ n yisenḍuḍ d tuzzna-nsen.
- E-vouchers d tikarḍiwin n usikel: Imezgagen, iseggasen n usikel (kiran, tren).
Aẓayer Aẓerfan d Wayen Yettwaḥeǧen i Userfaḍ
Cash Plus d yiwet n tasharukit i d-iḥlan sɣur Bank n Murakuc (Bank Al-Maghrib) seg useggas n 2014. Ayagi yessken-d d akken tella deg uẓayer aẓerfan yelhan, u tetteḍfar isurifen n AML/CFT (asenǧer n tedrimt n yigerrugen d umennuɣ mgal asarduf).
Tawtilt n Usuneɣ d Wayen Yettwaḥeǧen
Akken ad tesseqdceḍ timazarin n Cash Plus, ilaqa-k ad tessekcem iman-ik s usnas amussu n CashPlus Digital neɣ deg yiwet n tmezgart n Cash Plus. Tawtilt tella tferru, s usenǧer n talɣiwin n timmad s e-KYC (usenǧer aẓruyan n umesbaɣur) s usenǧer n CNIE, d usenǧer n tewlafin n yiman. Iwakken ad tessekcem akunti deg tɣawsiwin timeqqranin, ilaqa-k ad tessekcem talɣiwin n timmad d tmezdaɣ.
I usarfaḍ aẓruyan, Cash Plus tesseqdac asenǧer n usaɣur n usarfaḍ i yiman-nnes. Ayagi yettwexdem akken ad teẓẓer ma yezmer umesbaɣur ad yerr tidrimt neɣ ala. Tidrimt yettwasersan tetteffeɣ s tbankat, s tedrimt tamussut neɣ s ussiweḍ n tedrimt deg tmezgart.
Asnas Amussu n Cash Plus d Tadamsa n Umsuddes
Asnas amussu "CashPlus Digital" yella yettili deg yisnasen n iOS d Android. Yettwaɣil s waṭas sɣur yimezdaɣen, s 4.7 n yitran deg iOS d 4.5 n yitran deg Android. Ayagi yessken-d d akken yella yelha u yettwaqeddec s waṭas.
Isɣan n Usnas Amussu
- Aɣerbaz n usarfaḍ: Yezmer umesbaɣur ad iẓẓer aglam n usarfaḍ-nnes.
- Umuɣ n tuɣaltin: Yezmer ad iẓẓer melmi ara yerr tidrimt.
- Azmul aẓruyan: Akken ad yesnulfu isebtar s uẓruy.
- Asiweḍ yelhan: Asiweḍ n yisefri yelhan.
- Asenǧer n yisnasen: Yezmer ad yessenǧer isnasen-nnes.
Cash Plus tesɛa ugar n umelyun n yimezdaɣen n usnas-nnes amussu. Deg useggas n 2024, tessewḍ 100 n yimelyunen n yidrimen n Murakuc deg yixdimen, u d-tewwi 1.12 n yimelyunen n yidrimen n Murakuc d idrimen n usellek. Maca, yella wacḥal n yisefraḍen i d-yemmuggen ɣef uxṣar deg usnas, d wayen ur d-mmuggen ara ɣef iswayen n usarfaḍ deg umkan.
Aẓayer deg Uswaq d Imunagen
Cash Plus tella d tasharukit tameqqrant deg Murakuc, s umuɣ n yimezgagen-nnes meqqren i d-yelhan s usiweḍ n tedrimt, s ugar n 8000 n yimezgagen. Ayagi yegguma-tt ad tili d tamezwarut deg uswaq, ugar n imunagen-nnes gar-asen Wafa Cash d Barid Cash, d tbankat timeqqranin.
Abeddel gar Cash Plus d Imunagen
Cash Plus temgarad ɣef imunagen-nnes s umuɣ n yimezgagen-nnes meqqren i d-imudden timazarin deg yal amkan n Murakuc, seg temdinin alamma d imukan yaggugen. Tezmer ad tefk timazarin n tedrimt d usarfaḍ aẓruyan s usnas amussu d tmezgart. Tettwaxdem daɣen d wacḥal n tisharukin meqqren am Western Union, MoneyGram, RIA, d AXA Insurance.
Cash Plus tẓaṭṭa ad tesnerni iman-nnes s ussiweḍ n 10.000 n yimezgagen d 2.4 n yimelyunen n yidrimen n Murakuc d idrimen n usellek deg useggas n 2027. Tettwaɣil daɣen ad teffeɣ ɣer uswaq n usellek n tisharukin (IPO).
Asenǧer Afraran i Yimerfaḍen Yettwaɣilen
Imi tella Cash Plus d tasharukit i d-imudden timazarin n usarfaḍ aẓruyan, ilaq i yal amesbaɣur ad yessiweḍ awal-nnes ɣef isurifen d iswayen n useqqi uqbel ad yexdem yal isurif. Amusnaw n tedrimt yezmer ad d-yefk isenǧer-agi i yimerfaḍen yettwaɣilen:
- Asiwel i ussiweḍ: Ilaqa-k ad tsiwleḍ i Cash Plus neɣ ad tbeddeḍ deg yiwet n tmezgart-nnes akken ad teẓẓreḍ iswayen n useqqi, iɣaramen d isurifen n usarfaḍ s telqayant, imi ur d-mmuggen ara deg umkan s telqayant.
- Asenǧer n tzemmalt n tuɣaltin: Uqbel ad tesseqdceḍ usarfaḍ, ilaq ad tẓẓreḍ ma yezmer wul-ik ad yerr tidrimt deg wakud i d-yettwafernen. Ur tesseqdceḍ ara usarfaḍ i wakken ad tɣaṭṭeḍ aɣaram nniḍen.
- Aẓayer n usarfaḍ: Ilaqa-k ad teẓẓreḍ ma yezmer usaɣur-ik n usarfaḍ ad yesseḥlil iwakken ad tetteffeɣ tidrimt.
- Aɣlam yelhan: Ilaqa-k ad tɣireḍ s telqayant isurifen d yixater n usarfaḍ, akken ur tetteffeɣeḍ ara deg wacḥal n yigerrugen.
- Abeddel n yisnasen: Ilaqa-k ad tbeddleḍ isnasen n Cash Plus d imunagen-nnes akken ad teẓẓreḍ anwa yelha i wakud-ik d yixater-ik.
S umuɣ n yimezgagen-nnes meqqren d timazarin-nnes n usarfaḍ aẓruyan, Cash Plus tella d tasharukit tameqqrant deg umkan n tedrimt deg Murakuc. Maca, ilaq i yal amesbaɣur ad yessiweḍ awal-nnes s telqayant uqbel ad yexdem yal isurif akken ad yeḥrez iman-nnes.
