Inwi Idrimen: Tamagit d Uẓar-is deg Lmerruk
Inwi Idrimen, tarwa n Inwi i yeddan s tedrimt tamuhult, d afus n teḥḥurft tanesḍelt yettwarẓan iwakken ad yesnerni assekcem afrankan deg Lmerruk s yimukan n uxelleṣ addigitalen. Yettwarẓa deg waggur n ctember n useggas n 2019, Inwi Idrimen yettak afud i ttawilat n Inwi i wakken ad yefk isiwḍen n tedrimt war tuɣalin, axeṣṣar n yismawul, d yimukan n usiweḍ n wedrar.
Deg useggas n 2018, Tingimt Tageldant n Lmerruk tefka llistansat i tenkulin timuhulin n tedrimt, gar-asent Inwi Idrimen. Tagrawt n Inwi Idrimen d tarwa n Inwi S.A., yettwabedren s idles n Lmerruk. Inwi S.A. d agraw n Al Mada (60%) d Zain Group (40%). Dɣa, Inwi Idrimen yettwaxdem s 100% s yidrimen n Inwi S.A., i d-yesseknayen amezruy-is d waẓar-is deg tegnitt tafrankanit n Lmerruk.
Tasertit n Inwi Idrimen tebna ɣef umukan n tedrimt tamuhult, tettḥaz idrimen seg yisgilen n yimukan d yedrimen i yettekkes s yisuɣal n yimdanen. Ahat yettḥaz imdanen ur nesɛi tingimt neɣ wid ur yettwassewten ara, ɛla ḥsab-nsen, idrimen n uxelleṣ amezzay d wakken ad ḥezzmen idrimen-nsen deg umukan-nsen amuhul. Amekna, Inwi Idrimen ur yettak ara idrimen n udyaw neɣ idrimen n uzay, imukan-is d asiweḍ n tedrimt, axeṣṣar n yismawul d yisiwḍen n wedrar kan.
Timinut yettwaxedmen s Inwi Idrimen
Inwi Idrimen yettak-d kra n yimukan ifurkanen i yimdanen d yibẓizen n tedrimt tamuhult. Am akken i d-neḥka, ur yettak ara idrimen n udyaw neɣ idrimen n uzay. Timinut-is tigettiyin d tid-agi:
- Asiweḍ n tedrimt gar yimdanen: Yezmer yiwen ad yesiweḍ idrimen i umdan nniḍen s ufus.
- Axeṣṣar n yismawul: Axelleṣ n yismawul n tmuhult (Inwi), n tnesḍelt (aman, lehwa), d wiyyaḍ.
- Asiweḍ n wedrar: Asteqbel n yedrimen seg berra n Lmerruk srid ɣer umukan n Inwi Idrimen, s ttawil n WorldRemit d MFS Africa.
- Asali n tmuhult: Asali n yedrimen i tmuhult n Inwi.
Amekan-agi n Inwi Idrimen yettak-d ttawil i yimdanen iwakken ad sxedmen idrimen-nsen srid d war tuɣalin, gar-asen imeduren d yicraben, iwakken ad ssiknen assekcem afrankan deg Tagelda n Lmerruk.
Isgilen, Igmara, d Usmekti n Inwi Idrimen
Iwakken ad yili wawal yeṣfan, ad d-nini belli Inwi Idrimen ur yesɛi ara agmara n idrimen n udyaw imi ur yettak ara timinut n udyaw. Maca, yettḥaz isgilen ɣef timinut n uxelleṣ d usiweḍ n yedrimen. Dagi, kra n yisgilen d usemkti imezzayen:
- Asiweḍ n tedrimt gar yimdanen: MAD 3 ɣef yal asiweḍ n tedrimt s umukan amuhul deg Lmerruk.
- Asiweḍ n wedrar (s WorldRemit): Agmar n usiweḍ yettbeddil ɣef leḥsab n tmurt ansi i d-yusa, maca win i d-yesteqblen idrimen ur yettxelli agmar.
- Axeṣṣar n yismawul d usali n tmuhult: Ur yettwaxdam ara ugmar ɣef usali n Inwi. Ma d axeṣṣar n yismawul n tenkulin nniḍen, agmar-is d MAD 2.
- Takecsa n yedrimen: MAD 5 ɣef yal takecsa n yedrimen deg yicekwageḍ n Inwi neɣ deg yimukan n ATM, maca yella war agmar deg kra n yimukan n yimeɛrawen.
Isgilen-agi zemren ad beddlen, dɣa Inwi Idrimen yettakked ad yessissen imdanen-is s yisasfaren n usnas amuhul.
Amal n Usemres d Isertiyen-is
Asemres n Inwi Idrimen d ufus-is, yezmer umdan ad yebdu s waṭas n yisurifen:
- Asemres s yiman: S usnas amuhul neɣ s USSD (*#632#), yezmer umdan ad yebḍu s usekcem n taka n tmagit tageldant-is d wanaw n tmuhult-is.
- Asemres s yicewwaqen: Amdan yezmer ad yelḥu ɣer yicewwaqen n Inwi iwakken ad yettwasekcem s ufus. Deg yimukan-agi, yettwaxdem ufraq n tmagit s ufus, d usekcem n yimiɣiyen yettili s tikci n uẓar (biometric).
Yella kra n usmekti n yedrimen yezmer yiwen ad yettekkes neɣ ad yessiweḍ:
- Asemres amezzay: MAD 5,000 deg waggur.
- Asemres amezzay d umenzawi: MAD 20,000 deg waggur s ufraq akmal n tmagit.
- Asemres ameqran: War tilisa s weqbal.
Asnas Amuhul n Inwi Idrimen d Temzayt n Umdan
Asnas amuhul n Inwi Idrimen yettwafares i iOS (App Store) d Android (Google Play). Asnas-agi yettak-d kra n ttawilat yelhan i yimdanen:
- Abeddel n yedrimen srid: Amdan yezmer ad yeẓẓer amekna n yedrimen-is srid.
- Amezruy n yimukan: Yal amkan yettwaxdem yettwaru deg umezruy, iwakken ad yili ufham d ufraq.
- Axeṣṣar n yismawul: Axelleṣ n yismawul n tnesḍelt d tmuhult.
- Asiweḍ n tedrimt gar yimdanen: Asiweḍ n yedrimen i umdan nniḍen s ufus.
- Asteqbel n yedrimen n wedrar: Asteqbel n yedrimen seg berra.
Asnas yettwaxdem s ufus d war tuɣalin, maca yella kra n yimdanen i d-yeḥkan ɣef kra n wuguren deg usekcem srid seg usnas neɣ deg wakud n userwal n usnas. Inwi Idrimen yettwaxdem iwakken ad yili usnas yeshel i usemres, dɣa yella deg-s usenqed n yisefriyen iwakken ad yili d akken yelha.
Afaris d Tulut n Inwi Idrimen
Inwi Idrimen yella deg ufaris n Tingimt Tageldant n Lmerruk (Bank Al-Maghrib) s yisalan n tedrimt tamuhult, d ANRT i yifarisen n tmuhult. Afaris-agi yettakked belli Inwi Idrimen yettwasmen deg kra n yisurifen n telqayt d ufaris:
- Isertiyen n AML/CFT: S leḥsab n yisalan inagrawen d yisalan n FATF iwakken ad tettuḥbas ttawil n yedrimen d uẓẓel.
- Asenqed: Tingimt Tageldant n Lmerruk d yisenqaden iberraniyen ssenqaden Inwi Idrimen yal aseggas.
Ur yella ara d awtul n udabu neɣ agdal n usikel ɣef Inwi Idrimen ar ass-a, ayen i d-yesskanen belli yettwaxdam s talqayt d ufaris. Iwakken ad yili umdan deg telqayt, yella kra n yisurifen n uḥraz n umdan:
- Asali n yigujilen: Yezmer umdan ad yessiweḍ agujil-is ɣer yicekwageḍ neɣ ɣer wanaw n udabu.
- Afray n yigujilen: Inwi Idrimen yettakked ad yefri yal agujil n umkan deg 15 n wussan.
- Aḥraz n yisuɣal: Idrimen n yimdanen yellan deg Inwi Idrimen ttwaḥrazen s ufus n Tingimt Tageldant n Lmerruk.
Amekan-is deg Souq d Imnayen-is
Inwi Idrimen yettakked belli yella deg umekan ameqran deg souq n tedrimt tamuhult deg Lmerruk. Yettakked belli yella deg 23% n souq n tedrimt tamuhult s yimukan yettwasbedden, maca yella gar-asen Maroc Telecom (Al Barid Bank) s 40% d Orange Money s 37%.
Imnayen igeṭṭiyen n Inwi Idrimen d:
- Maroc Pay (CMI): D asnas n tedrimt yettwaxedmen s tingimt, yesɛa kra n yimeɛrawen imeqranen.
- Orange Money: Yesɛa taɣiwant tameqqrant n yimeɛrawen deg temdinin.
Amekna n Inwi Idrimen yezmer ad yili deg usmekti n tmuhult d yisgilen isemẓiyen. Yettwaxdem iwakken ad yesnerni assekcem afrankan deg Lmerruk, dɣa yella yettwaxdem iwakken ad yali s 20% n yimukan deg waggur n 2026 s uxelleṣ s QR d usekcem n yimeɛrawen imaynuten. Yella yettwaxdem iwakken ad yesnerni taɣiwant n yicewwaqen ɣer 200 n yimukan ur yettwassewten deg tmura n unẓul ar taggara n 2026.
Yella yettwaxdem s yimeɛrawen am WorldRemit d MFS Africa i yisiwḍen n wedrar seg ugar n 50 n tmura. Daɣen, yella yettwaxdem s CMI / MarocPay iwakken ad yili umkan n usiweḍ srid gar tingimt d umukan amuhul.
Tamzayt n Umdan d Usenqed-is
Imdanen i yesqeddcen Inwi Idrimen d-ḥkan ɣef kra n yimukan yelhan d wiyyaḍ ur nelli ara d akken yelhan:
- Ayen yelhan: Isiweḍ n tedrimt war tuɣalin, usnas yeshel i usemres, asiweḍ n wedrar srid.
- Ayen ur nelli ara d akken yelhan: Kra n yiserwiyen n usnas, ulac n yedrimen deg yicekwageḍ, uguren deg usekcem srid seg usnas.
Amekan n yimdanen yettwasenqed s "amezzay" s leḥsab n yisenqaden n yimdanen. Akud n usemres n wanaw n udabu d 4 n ddqayeq. Inwi Idrimen yettwaxdem iwakken ad yesnerni amekan-agi s usali n wanaw n udabu deg yal akud deg taggara n 2025.
Kra n tmeẓwaɣin n tnemgalin:
- Tigrawt n tlawin n ticcert deg Rif ssxdamnt Inwi Idrimen iwakken ad ḥezzment idrimen-nsent d udyaw gar-asent.
- Anebḍi ameẓyan deg Meknès yessenqes axelleṣ s yedrimen s 70% s umukan n Inwi Idrimen.
Asenqed n Uxelleṣ d Udyaw
Tirra n Inwi Idrimen ur tettwassen ara srid i yimdanen, maca Inwi, agraw ameqran, d-ḥka ɣef usali n 9% deg yedrimen n tedrimt tamuhult deg waggur amezzwaru n 2025, ayen i d-yefkan MAD 120 imelyunen i yedrimen n EBITDA.
Inwi Idrimen yettwasmen s yedrimen n Inwi. Ur yella ara d awtul n yimseɣran iberraniyen ar ass-a. Amekna n yimukan d MAD 2 imelyunen deg waggur deg waggur amezzwaru n 2025. Tettwaxdam taɣiwant n 65% n yimukan yettwasbedden gar yimdanen yettwasbedden. Am akken i d-nenna, Inwi Idrimen ur yettak ara idrimen n udyaw, dɣa ur yella ara d agmar n uṣṣar.
Aweṣṣi i Yimdanen i Yebɣan Ad Sxdmen Inwi Idrimen
I yimdanen i yebɣan ad sxdmen Inwi Idrimen, dagi kra n weṣṣi yelhan:
- Ssiɣel asnas amuhul: Ssiɣel asnas n Inwi Idrimen seg App Store neɣ Google Play iwakken ad tesɛu ufus ɣef yal amkan.
- Freg iɣewwaɣen n usmekti: Fehm iɣewwaɣen n usmekti n yedrimen iwakken ad teẓẓer anwa amekan i tesɛa.
- Qqen s teḥqiqt: Yal akud, qcen deg usnas s teḥqiqt, d ad ur tefki ara iɣewwaɣen-inek i umdan nniḍen.
- Freg isgilen: Yal akud, freg isgilen n yal amkan iwakken ad teẓẓer amekna n yedrimen i tezmer ad txelleṣ.
- Sxdem taɣiwant n yicewwaqen: Ma tella kra n tmeṭṭul, sxdem taɣiwant n yicewwaqen n Inwi Idrimen iwakken ad tekkes idrimen neɣ ad tessekcem idrimen.
- Amkan n udabu: Ma tella kra n tmeṭṭul neɣ agujil, sxdem amkan n udabu n Inwi Idrimen neɣ n Tingimt Tageldant n Lmerruk.
Inwi Idrimen d amukan yelhan i uxelleṣ d usiweḍ n yedrimen deg Lmerruk, dɣa yezmer ad yefk ttawil i yimdanen iwakken ad sxedmen idrimen-nsen s ufus. Amekna, yella d ayen yessefk ad d-nini belli ur yettak ara idrimen n udyaw. Yal amdan yessefk ad yili d amdan i yefhamen amekna n yimukan-is iwakken ad yili deg telqayt.
