Dima nettwali amek ad yili uzmar n tdrimt s ufella, akken ad ttekki deg useqqeḍ n tudert n yimdanen, ugar deg yimukan ur nufi ara azzar n yibankan d tedrimt. Deg Lmerruk, Orange Money tban-d am tbanut tameqqrant deg ugadi-yagi, tewwi-d tanfaliyin n tdrimt s tfunit akken ad tẓeẓẓeɛ imezdaɣen n tmurt, ugar deg yimukan ur nufi ara azzar n yibankan.
Tamagitt n Orange Money deg Lmerruk
Orange Money Maroc, d tasga n Orange Maroc, tella d tasbeddit n tdrimt tasnagnut (EMI) i yettwakelsen sɣur Bank Al-Maghrib (Amenkud n yibankan n Lmerruk) deg useggas n 2019, u tebda deg umekti deg meɣres n 2020. Tettwasbedd sɣur yiman-is deg Orange S.A. (Fransa), d anamek n tgemmi tameqqrant d tezmert i tella deg ugadi n tnezzawt.
Azal ameqqran n Orange Money d asewwesɛ n tgerwa n tdrimt i yimdanen, ugar i wid ur nesɛi ara azzar n yibankan, ama deg temdinin neɣ deg tuddar. S usseqdec n tfunit d USSD, tettezmer ad tettekki deg yal amseqdac ad yili yesɛa tacqaḍt n tfunit, ad yizmir ad issekcem, ad isseffeɣ, ad yigerbiḍ, ad iɣer isekdaren, ad izday asfugel, d waṭas nniḍen. S tmennaḍt n Hendrik Kasteel, aselway n Orange Maroc, d Noël Château, aselway n yimseqdacen, Orange Money tella d aḥric ameqqran deg umezruy n tdrimt aḍeggal deg Lmerruk.
Iseɣran n Uruḍ n Tdrimt d Tiɣawsiwin n Tacqaḍt
Orange Money tettak-d waṭas n tiɣawsiwin n tdrimt, gar-asent aruḍ ameẓyan d tid n tacqaḍt n tfunit.
Aruḍ Ameẓyan (Microcredit)
Deg umekti n tmennaḍt n Orange Money, aruḍ ameẓyan, i yettwaxedmen s tallelt n JUMO (tangalt n fintech n uruḍ i yimukan yettbanayen), d aḥric agejdan. Aruḍ-agi yettunefk-d s tfunit neɣ s USSD, i yimseqdacen d yimeẓyanen n tebkanin ur nesɛi ara asenqed n wakal.
- Azel n Tedrimt: Azal n uruḍ-agi ur yețwaḥqi ara s uẓeṭṭa, maca yettwamnuzan ger 50 d 500 n idularen. Ur yettwaḥqi.
- Azal n Usenzi (Interest Rates): Azal n usenzi n uruḍ ur yețwaḥqi ara s uẓeṭṭa. Maca, tangalt n JUMO tettak-d azal n usenzi n ussegwas (APR) ger 25% d 35%. Ur yettwaḥqi.
- Ilugan d Uɣaras n Userkeḍ: Aruḍ yettunefk-d i wakud yeẓyan (ger 30 d 90 n wussan), d aruḍ s tigawsiwin. Ur yettwaḥqi.
- Iɣuras: Iɣuras n usfugel d yimeẓla n umeggu (late-payment fees) ur yețwaḥqi ara s uẓeṭṭa.
- Asenqed n Wakal: Ur yettwaḥṭa ara asenqed n wakal. Asenqed n uruḍ yettwaxedmen sɣur JUMO s usseqdec n tangalt tumṣuẓt (AI) i yettwalin amek yesseqdac umseqdac tfunit-is, amek yettakd isekdaren, d wanawen nniḍen n isefka.
Tiɣawsiwin n Tecqaḍt n Tdrimt
Ugar n uruḍ, Orange Money tettak-d tiɣawsiwin n tdrimt n yal ass i yesseqdac umseqdac s tfunit-is:
- Igerbiḍen n Yimdanen (P2P Transfers): Igerbiḍen n tedrimt s wudem amsefham ger yimseqdacen n Orange Money s wudem ur yettraju ara.
- Assekcem d Usseffeɣ n Tdrimt (Cash-In/Cash-Out): Azmar ad tessekcem neɣ ad tesseffeɣ tidrimt seg tacqaḍt-ik deg wagar n 4.000 n yimukan n Orange d Damane Cash deg Lmerruk s wudem azuran.
- Aɣaras n Yisekdaren d Uzdiyen (Bill Payments & Top-Ups): Aɣaras n yisekdaren n weẓeṭṭa, n tfunit, d MarocPay.
- Asseqdec d Yibankan: Asseḍru n yigerbiḍen n tedrimt ger tacqaḍt n Orange Money d yibankan.
Tanezzawt d Ulɣu n Usseqdac
Akken ad tessekcem imseqdacen imaynuten, Orange Money tesseqdec-d iɣarasen yemgerraden. Asseqdec n umseqdac d KYC (asenqed n umseqdac) yettwaxedmen deg yimeɣraden n Orange, neɣ s tfunit d USSD, s usenqed n tkaṛḍa n tmeɣṛa d usenqed n uzal n tfunit, d usemres n PIN n ukkuẓ n yizwilen.
Asenqed n uruḍ yettwaxedmen sɣur JUMO s tangalt tumṣuẓt i yettwalin amek yesseqdac umseqdac tfunit-is, amek yettakd isekdaren, d wanawen nniḍen n isefka. Asfugel n uruḍ yettwaxedmen s ussekcem n tdrimt ɣer tacqaḍt n tfunit, s ussekcem n tdrimt deg yimukan n usenzi, neɣ s yigerbiḍen ɣer yibankan. Taggayt n uruḍ tettwaxedmen s yizen-aɣraben s SMS/tfunit, s ussekcem n tdrimt seg tacqaḍt n tfunit deg wass n uɣaras, neɣ s tallelt n yimenzayen n tggayt i yizrazen yellan deg wakud n umeggu.
Asseqdec n Tfunit d Tuẓẓma n Umseqdac
Asseqdec n tfunit n Orange Money yella i Android (ugar n umilyun n usfugel, s 2.4★ deg 3.1K n tidriwin) d i iOS (s tefransist). Tiɣawsiwin n usseqdec n tfunit:
- Asenqed n tacqaḍt (azal, abeddel n PIN).
- Aseglem n tiɣawsiwin (igerbiḍen, iɣarasen, aruḍ).
- Amezruy n yigerbiḍen d yizen-aɣraben.
- Chatbot i yezmer ad yefk tallelt 24/7.
Deg ugadi, Orange Money tella deg yal amkan n Lmerruk, ama deg temdinin neɣ deg tuddar, s tallelt n yimeɣraden n Orange d Damane Cash (4.000 n yimukan). Azal n yimseqdacen yettwamnuzan s wagar n 500.000 deg 2025, ugar yidurar (18-35 n yiseggasen), d wid i yesseqdacen tidrimt s wudem azuran, neɣ wid i yettrajen tidrimt n yigerbiḍen.
Adday n Yimezgan d Tamesbaḥt n Umseqdac
Orange Money tella d tasbeddit n tdrimt tasnagnut i yettwakelsen sɣur Bank Al-Maghrib, amenkud n yibankan n Lmerruk. Tettwaḥṭa i yilugan n AML/CFT (ilugan mgal adrim bu yixfawen d umeggu n tidrimt) d yisenqaden s wudem azuran sɣur amenkud n yimezgan n tmurt. Tettak-d aseggem i Law 103-12 n yimeẓla n uɣaras n tidrimt. Ur d-yettban ara iselɣa n yiseqjan neɣ yimeẓla s wudem azuran.
I tamesbaḥt n umseqdac, Orange Money tesseqdec-d PIN n ukkuẓ n yizwilen, azalen n yigerbiḍen, izen-aɣraben n usenqed, d uɣaras n usesten s uzal n usenqed n yimseqdacen (441 neɣ 0621 000 441).
Tidriwin n Yimseqdacen d Waṭas n Ugadi
Tidriwin n yimseqdacen deg Google Play (Android) s 2.4★ gar 3.1K n tidriwin, mmalent-d iseqjan deg yigerbiḍen d yimeṭṭu n usseqdec. Maca, waṭas n yimseqdacen ssawalen-d ɣef wudem n usseqdec d weɣaras-is. Iseqjan yettwalin s wudem azuran d usfugel n USSD yettraǧu, izen-aɣraben yettraǧu, d wakud n usegrew n tallelt n umseqdac yettwaɣzen deg wakud n ufella.
Orange Money tella d tasbeddit tameqqrant gar tlata n yimeẓla n tdrimt s tfunit deg Lmerruk (Inwi Money, Wana Money). Tettwagray-d s weẓeṭṭa-ines ameqqran n yimenzayen, aruḍ ameẓyan n JUMO, d uzmaɣ ameqqran n Orange. Tbedda s wudem ameqqran seg 2020, u yettraju ad tebdu aruḍ ameẓyan deg 2025 akken ad tessewseɛ asseqdec-is.
Tettak-d imeslayen d Bank of Africa / Damane Cash i uẓeṭṭa n ussekcem/usseffeɣ n tdrimt, d JUMO i tangalt n uruḍ. Tettwasseḍru d Orange telecom i yiseɣran yemxalaḍen.
Imarayen d Tenfaliyin i Yimseqdacen
Deg ugadi n tdrimt aḍeggal deg Lmerruk, Orange Money tella d tameqqrant, maca ur telli weḥd-s ara. Imnezdaɣen am Inwi Money d Wana Money, ula d nutni, ssexdamen-d iɣarasen n tdrimt s tfunit. Azal n Orange Money d weẓeṭṭa-ines ameqqran n yimenzayen, isuraf n uruḍ ameẓyan s JUMO, d uzmaɣ n Orange i yettwassnen.
Tameɣṛa d Umezdaɣ i Wid Yettrajen Aruḍ
Ma yella tɣemmaḍ ad tesseqdec aruḍ n Orange Money, d ayen ilaqen ad tssendeḍ ɣef waṭas n tiɣawsiwin:
- Ssewḥel ilugan d yiseɣran: Ula ma iselɣa n uruḍ ur yețwaḥqi ara s uẓeṭṭa, d ayen ilaqen ad tssendeḍ ɣef yal ilug d yal aɣuras. Sseqsi tallelt n umseqdac ɣef yiseɣran n usenzi d yimeẓla.
- Aruḍ s tedmert: Ur tettawi ara aruḍ i yimezgan ur tzemreḍ ara ad tserkeḍ. Ssewḥel isuraf n userkeḍ d wakud n yigerbiḍen.
- Sseqdec asseqdec n tfunit: Asseqdec n tfunit yettak-d iselɣa n yal igbiḍ d yal aɣaras. Sseqdec-it akken ad tssendeḍ ɣef uruḍ-ik.
- Asesten n tallelt: Ma yella tella-k taluft neɣ usenqed, sesteḍ tallelt n umseqdac s tfunit (441 neɣ 0621 000 441) neɣ s chatbot n usseqdec.
- Ssewḥel imnezdaɣ: Qqen-d imnezdaɣ nniḍen i yettaken aruḍ ameẓyan neɣ isuraf n tdrimt s tfunit akken ad tssendeḍ ɣef useɣru yelhan.
Orange Money tella d tasbeddit tamaynut i yettak-d azmar ameqqran i yimseqdacen deg Lmerruk. S isuraf-ines n uruḍ ameẓyan d tiɣawsiwin n tdrimt s tfunit, tessenker-d tanfaliyin n tdrimt i waṭas n yimdanen, ugar wid ur nesɛi ara azzar n yibankan. Maca, d ayen ilaqen ad tssendeḍ s tedmert d usenqed n yal igbiḍ n tdrimt.
