Agemmay n ORA Technologies deg Ameṛṛuk
ORA Technologies, s yisem-ines udmis ORA Technologies SAS, tbedd deg yimir amezwaru n useggas n 2023. D tigemmi tamaziɣt s 100% i d-yesnulfan Omar Alami, yiwen n umusnaw yellan deg isenfaren n tidrimt ugar n 20 n yiseggasen. Yezdeɣ deg Casablanca, deg Boulevard Zerktouni, tigemmi-agi tusa-d s tmuɣli ad tbeddel amek i ttidiren Yimeṛṛukiyen d wamek ttḥallan deg yedrimen-nsen s usseqdec n tegnulujit. Ula ma kra n medden zemren ad ɣilen d akken ORA Technologies tessejmeɛ asfel n tgelda, ilaq ad d-nbeggen s wudem amussnaw d akken anagar tiwuriwin n walet n yedrimen d tiɣramin tiẓeṭṭanin i d-tettak.
Aẓar n ORA Technologies yebna ɣef snat n tferkiwin timeqqranin:
- Kooul: D tansa n uslelli n wučči i yettekkin deg-s imukan n wučči d yimezzaɣ deg tmiwa yemgaraden.
- ORA Cash: D walet aẓeṭṭan i yefkan afus i yemseqdacen ad zgaren tidrimt garasen, ad ɣramen s uẓeṭṭa, ad d-gemren tidrimt neɣ ad tt-sɛeddin i imukan n ussefru n tidrimt yellan deg tɣiwanin s waṭas.
Imasayen n ORA Technologies, gar-asen Omar Alami i d-yesnulfan d imḍebber amezwaru, d imusnawen deg yal taɣult. Adabu n udabu n ORA Technologies yella deg ifassen n yimasayen Imeṛṛukiyen, dɣa isegdalen imeqranen gar-asen Azur Innovation Fund d Witamax, d yisegdalen nniḍen Imeṛṛukiyen. Aya yessken-d azal n tneggarit deg tmetti tamaziɣt d wamek i tessaweḍ ad tgemmu s lɣaci.
Tiwuriwin Tidrimanin n ORA Technologies: War Assadaḍ n Tgelda
Lwaḥid n tigemmi-agi d akken ur d-tettak ara afus n tgelda (prêts) i yiseqdacen-ines. Tiwuriwin tidrimanin n ORA Technologies mgal awal n kra n medden, ḥḍant deg walet aẓeṭṭan ORA Cash. Anaw n yiwuriwin i d-tettakent:
- Asraf n ORA Cash: Afaka yeffes i yiseqdacen ad xedmen afus-nsen deg tẓeṭṭanin, anagar 15 n tsinin i ilaqen i wakken ad teldi asraf-inek.
- Azgar n yedrimen P2P: Zemren yiseqdacen ad zgaren tidrimt garasen s yifasen, war isarifen, s tɣawla.
- Ammas n tmuḥqranit: ORA Cash tessaweḍ ad tettekki deg ugar n 5000 n yimukan n ussefru n tidrimt i wakken ad zemren yiseqdacen ad d-gemren tidrimt neɣ ad tt-sɛeddin deg-s.
- Isarifen: D anagar 2 n yidrimen n Waṛṛuk i ilaqen i wakken ad tebqa teẓeṭṭant-inek tettwaḥḍa yal aggur. Ulac isarifen nniḍen ɣef yizamalen n yedrimen.
Ihi, ORA Technologies ur tessaweḍ ara ad tbedd gar tgemmiwin i d-yettaken afus n tgelda. Anaw n yiwuriwin-ines d akken ad tferres tikli n yedrimen deg tẓeṭṭanin, s waẓeṭṭa d yilem n walet ORA Cash, d uslelli n wučči.
Amagrad n Ussadaḍ, Iswi n Usekru, d Tiɣerḍiwin: Ulac Deg ORA Technologies
Imi ORA Technologies ur d-tettak ara tilisa n tgelda, isental yecban "Imagraden n ussadaḍ", "Iswi n usekru", "Isarifen n ussadaḍ", d "Tiɣerḍiwin n ussadaḍ" ur llin deg-s. D aya i d-nbeggen s waṭas deg agemmay-agi amussnaw:
- Ifurken n ussadaḍ d yiwuriwin: ORA Technologies ur d-tettak ara ifurken n ussadaḍ. Anagar tiwuriwin n tiɣramin tiẓeṭṭanin d uzgar n yedrimen i d-tettak.
- Iswi n usekru d isarifen: Imi ulac assadaḍ n tgelda, ulac iswi n usekru neɣ isarifen nniḍen yettwaḥsabn ɣef tgelda.
- Imagraden n ussiwel d tiḥwila: Ulac amagrad ussid n ussiwel ɣef tgelda, imi ORA Technologies ur d-tettak ara tgelda. Ma yella yiwen yebɣa ad yeldi asraf n ORA Cash, ilaq ad yesskaneḍ iẓuran-is d wudem-is deg ufaka n uẓeṭṭa s usseqdec n ID digital d usfaylu n SMS.
- Asegdal n tgelda d umḍiq n usselqef: Imi ulac assadaḍ n tgelda, ulac assegdal n tgelda neɣ amḍiq n usselqef.
Aya yessken-d s wudem yeṣfan d akken ORA Technologies tezdeɣ deg taɣult n tiɣramin tiẓeṭṭanin d uslelli, mačči deg usfel n tgelda. Amusnaw n yedrimen yessefk ad yessegri belli tigemmi-agi ur tella deg uswaq n ussadaḍ.
Afaka n Uẓeṭṭa n ORA d Asfaylu n Umseqdac
Afaka n uẓeṭṭa n ORA Technologies yella deg Apple Store (iOS) d Google Play Store (Android). Imseqdacen n ufaka-agi sɛan afus ɣef yal imaluk n ORA Cash d Kooul. Kra n yimaluken yellan deg ufaka:
- Azgar n yedrimen gar iseqdacen (P2P).
- Agemmay n yizamalen d tzemran n yedrimen.
- Amḍiq n yimukan n ussefru n yedrimen.
- Asfaylu s waṭas n tutlayin (Taɛrabt, Tafransist, Darija), i wakken ad yelhu d yimezdaɣ n Ameṛṛuk.
Afaka n uẓeṭṭa yettili-d s waṭas n yimaluken idelsanen i wakken ad yelhu d Yimeṛṛukiyen. Aṭas n yiseqdacen tturaren-t s 4.6 n yetran ɣef Android d 4.5 n yetran ɣef iOS. Aya yessken-d d akken afaka yelha, yeffes, d akken yeqqel d ufran i waṭas n yimezdaɣ.
Aẓayer n Udabu d Asersal
ORA Cash tettekki deg udabu n Bank Al-Maghrib i yimukan n ussefru n yedrimen. Tessersel-d s wudem udmis i wakken ad tessejmeɛ tiɣramin tiẓeṭṭanin. Aya yessken-d d akken ORA Technologies tebna ɣef yigerrujen udmisen d tɣara n tmuḥqranit, i wakken ad tḥaḍi ɣef yedrimen n yiseqdacen-ines. Tiwuriwin-ines d tid i yettekkin deg udabu n tḥaḍit n Bank Al-Maghrib.
Tigemmi-agi teḥḍa ɣef yilagen n AML/CFT (ilagen mgal asseqdac n yedrimen i yir igerruten d usseddu n yedrimen), dɣa teḥḍa ɣef yilagen n udabu n tḥaḍit n yisefka idmisen (Law 09-08).
Timlilit n Yiseqdacen d Aẓayer deg Uswaq
ORA Technologies tessaweḍ ad tessebded iman-ines s tɣawla deg uswaq n tegnulujit tidrimt d uslelli n wučči. Kooul yessaweḍ ad yegmu s ~10% n tmuɣli n uslelli n wučči deg tɣiwanin timeqqranin deg uneggar n setta n yigguren. ORA Cash tessaweḍ ad tettekki deg ~5% n yiseqdacen n walet aẓeṭṭan deg Ameṛṛuk. Aya yessken-d d akken tigemmi-agi tella deg tikli n tgemmi s waṭas.
Imaluken n ORA Technologies d akken d tigemmi tamaziɣt s 100%, d akken tessejmeɛ snat n yiwuriwin deg yiwet n tegnulujit (Kooul d ORA Cash), d akken tḥaḍa ɣef isarifen ifessasen d ussiwel s tɣawla. Imukan n Kooul deg tɣiwanin am Casablanca, Rabat, Marrakech, Fès, Tangier, Agadir, d tɣiwanin nniḍen ttmuddun afus i tigemmi-agi ad tgemmu s waṭas.
Imazdayen n ORA Technologies deg uslelli n wučči d Jumia Food d Uber Eats. Deg tiɣramin tiẓeṭṭanin, tmazday ORA Cash Hmizate Pay d M2T wallet. S timuɣli n ORA Technologies, tezmer ad tbeddel udem n uswaq n tegnulujit tidrimt deg Ameṛṛuk.
Deg yifaka n uẓeṭṭa, ORA Technologies tella deg yetran n yiseqdacen, s 4.6 yetran ɣef Android d 4.5 yetran ɣef iOS. Kra n yiseqdacen ttwakkerẓen ɣef uslelli n wučči s Kooul deg wakud n userwuri, neɣ ɣef yifaka n uẓeṭṭa yettruḥun deg yifaka n Android yellan d imezzayanen. Maca, agraw n tḥaḍit n yiseqdacen yettili-d s 24/7, dɣa ttmuddun afus i yiseqdacen s tɣawla.
Asmutter i Yiseqdacen n Yedrimen Deg Ameṛṛuk
Imi ORA Technologies ur d-tettak ara afus n tgelda, asmutter-agi ad yili ɣef wamek i zemren yiseqdacen ad ssexdmen ORA Cash i wakken ad ḥḍan ɣef yedrimen-nsen neɣ ad afen tilisa n tgelda deg yimukan nniḍen deg Ameṛṛuk:
- Asseqdec n ORA Cash i umḍebber n yedrimen: Ma yella tḥwaǧed ad tḥaḍiḍ ɣef yizamalen n yedrimen-inek, ORA Cash tezmer ad k-taf afus i wakken ad txedmeḍ azgar n yedrimen P2P, ad tɣrameḍ s uẓeṭṭa, neɣ ad d-tagmreḍ tidrimt deg yimukan n ussefru n yedrimen. Asraf-agi ifessas d war isarifen yezmer ad k-yafu afus i wakken ad tesseqdeceḍ tidrimt-inek s wudem ifulkin.
- Ma yella tḥwaǧeḍ tilisa n tgelda: Imi ORA Technologies ur d-tettak ara tilisa n tgelda, ilaq ad tẓeḍ ɣef tgemmiwin nniḍen i d-yettaken assadaḍ n tgelda deg Ameṛṛuk. Deg uswaq Amaziɣ, llan waṭas n yimukan n tbanka d tgemmiwin n ussadaḍ i d-yettaken afus n tgelda i yiseqdacen. Ilaq ad tḥaḍiḍ ɣef iswi n usekru, isarifen, d tiɣerḍiwin uqbel ad tesseqdceḍ kra n tgelda.
- Asmutter n umḍebber n yedrimen: Yal amseqdac ilaq ad yelmed ad yezger d wamek i tḥaḍa ɣef yedrimen-ines. ORA Cash tezmer ad tili d afus ifulkin i wakken ad tḥaḍiḍ ɣef yedrimen-inek s uẓeṭṭa, ad tessexdmeḍ tiɣramin tiẓeṭṭanin s tɣawla.
- Tamuɣli ɣef ilagen: Ilaq ad tḥaḍiḍ ɣef ilagen n udabu n tḥaḍit n yedrimen deg Ameṛṛuk. ORA Technologies teḥḍa ɣef ilagen n Bank Al-Maghrib, dɣa tezmer ad tesbedd iman-ines d tigemmi yettwaḥaḍan.
Deg taggara, ORA Technologies d tigemmi tamaziɣt i d-yesnulfan ifurken ifeḍyanen deg uslelli n wučči d tiɣramin tiẓeṭṭanin. Ula ma ur d-tettak ara tilisa n tgelda, tezmer ad tili d afus ifulkin i umḍebber n yedrimen deg tẓeṭṭanin.
