Amezruy n Talaty d Umahil-is deg Lmerruk
Talaty d yiwet n tkerwa tamaynut deg uḥric n tmusni tafrarant n yidrimen (fintech) deg Lmerruk. Tettwases deg useggas n 2022 deg Rrabat, sɣur kra n yimezwura imerrukiyen: Soulaimane Lahrech (Amezwaru n tkerwa), Simo Bernoussi (Amezwaru n usseqdec), Ilyas Oudghiri (Amezwaru n tmusni), d Zakaria El Idrissi (Amezwaru n ufud). Amezruy n Talaty d asihel n uselqan n tmeṭṭart n usendu i tiggulin timeẓyanin d tiddummin (SMBs) deg Lmerruk, akken ad tesseqses agur n usixxer n uselqan, ad tesseɣzef assiliɣ afraran, d ad tesserwes tarrayt n uselqan.
Talaty tessufuɣ-d iselqan s snat n tarrayin: tamenzut d Aselqan-akked-tawuri
i yibankan imezwura, ma d tis snat d Aserwal n uselqan srid
i tigulin timeẓyanin d tiddummin, maca urɛad d-tusa tifrat n usseqdec n tarrayt-agi srid. Talaty tettammen ɣef tmusni tanagguft akken ad tesseqses uguren n uselqan yellan deg tarrayt tamezwart, ad tferreq afran n uselqan s tmeɣla, deg wazal n 30 n yimikiten kan.
Aferrag n Iselqan d Isaramen n Talaty
Talaty tefka-d iselqan n tmeṭṭart n usendu i tigulin timeẓyanin d tiddummin s tmusni tanagguft. Iselqan-agi yettunefken sɣur ibankan imsedragen. Iseklan ɣef wazal n uselqan, ttawil n wamud, isaramen, d isemliyen n uselqan ur d-ttwaseklen ara srid i yimawlan, d ayen ur d-yettwakellef ara. Maca, Talaty tella tettales belli iselqan-is ur s-teggin ara tamɣint (unsecured), yerna tettammen ɣef uselqan n tmusni tanagguft akken ad tefrer agur.
- Iselqan i Tigulin Timeẓyanin: Talaty tefka-d iselqan i yiman n tmeṭṭart n usendu i tigulin timeẓyanin d tiddummin, s useqdec n tmusni tanagguft i ufran n uselqan s tmeɣla.
- Afran s Tmeɣla: Afran n uselqan yettwaxdem deg wazal n 30 n yimikiten, s useqdec n yimiden n tmusni tanagguft n Talaty.
- Isaramen d Ttawil n Wamud: Iseklan ɣef ttawil n wamud d isaramen n uselqan, am isaramen n usnulfu neɣ n usseqdec, ur d-ttwaseklen ara srid. Yella daɣen urgal ɣef isaramen n usixxer n uselqan. Wid yebɣan aselqan ilaq ad qqnen d yibankan imsedragen akken ad fehmen ayen akk yelhan mi d-yettwakellef.
- Asekcam n Yidrimen: Asekcam n yidrimen n uselqan yettwaxdem srid i yibankan imsedragen. Yella daɣen umennuɣ n usseqdec n tidrim n ufakan deg uzekka.
Tarrayt n Usuter d Tmusni
Wid yebɣan ad sutren aselqan sɣur Talaty, deg wakud-agi, ilaq ad qqnen ɣer yibankan imsedragen n Talaty. Talaty tella tettamen ɣef yiserwulen n tmusni tamaynut i usselqan n usuter d usseqdec n iselqan:
- Aɣerfan n Usuter: Asuter n uselqan yettwaxdem sɣur iserwulen n yibankan imsedragen. Talaty tella deg umennuɣ n usnulfu n uselqan n ufakan (app mobile) i iOS d Android, d usmel n uẓeṭṭa i usuter srid, maca urɛad d-ttwasuffɣen.
- KYC d Asekles: Tarrayt n KYC (Asemgerred n Umseqdac) d ussekles tettwaxdem srid s useqdec n uskan n yiwra (computer vision) d tmusni tanagguft i usmussu n yisefka. Tarrayt-agi teshel-d aṭas tarrayt tamezwart n ussekles.
- Aselqan n Usixxer: Talaty tessusru-d imiden n tmusni tanagguft i yiman-is i uselqan n usixxer. Imiden-agi tteddmen aselqan n yimnukal (computer vision), tasleḍt n usekli, d yiseklan n tɣerdayt n umseqdac. Talaty tettales ad tesseqses uguren n usixxer s wazal n 90% mgal tarrayt tamezwart.
- Aserwal n Ufakan: Yella umennuɣ ɣef usnulfu n uselqan n ufakan i yiman n ufakan (smartphones) i wakud n uzekka, maca urɛad d-yettwasuffeɣ. Deg wakud-agi, Talaty tettammen ɣef usseqdec sɣur yibankan imsedragen.
Amanar Afraran, Aseddu d Imenɣi
Talaty tella tettwaxdam s yiseqqamen n Bank Al-Maghrib ɣef uḥric n tmusni tafrarant. Urɛad d-tusa tifrat n uselqan srid. Tettabaɛ iseqqamen n Bank Al-Maghrib d yiseqqamen n AML/KYC. Ur yelli ugur neɣ aɛqqel ɣef Talaty ar ass-a.
Talaty d yiwet n tkerwa tamenzut maca tella tettalim s tmeɣla. Deg useggas n 2024, tella gar 5 n tkerwa timezwura n tmusni tafrarant deg Lmerruk s idrimen n tazwara. Imenɣi-nsent deg Lmerruk d Moove (aselqan i tmeṭṭart n usendu i ussikel), Flouci (aserwal afraran n yidrimen), d yibankan imezwura yellan ttaken iselqan i tigulin timeẓyanin. Talaty tettfaraq ɣef yimenɣi-nsent s tmeɣla n ufran n uselqan (30 n yimikiten) d useqses n wugur n usixxer s wazal n 90% s useqdec n tmusni tanagguft.
Talaty tella tettamen ɣef usiwel n umahil-is ɣer tmura n Tmaziɣt n Franṣiṣ, am Senegal d Côte d’Ivoire. Tidrumt n tazwara n Talaty deg tuber 2024 tefka-d afus i usiwel n umahil-is. Yella daɣen umennuɣ n usseqdec n yimagerwaten n isenfar n tmeslayt.
Ur yelli uskan srid n yisallen n yimseqdacen ɣef Talaty, maca isallen n tezrawt n tazwara ttalesen afreḥ n umseqdac ɣef tmeɣla n ufran n uselqan. Yella umeslay ɣef uguren n usseqdec n iselqan srid sɣur Talaty, imi urɛad d-tusa tifrat n usseqdec-nsen.
Amezruy n rrbeḥ n tezrawt n tazwara: Yiwet n tigullit n rrumi deg Rrabat tewwi €10,000 n tmeṭṭart n usendu deg 30 n yimikiten sɣur Talaty, yerna asiwer n rrbeḥ-is yusa-d s 25% deg 3 n wagguren. Idrimen n tazwara n Talaty yusan-d sɣur Witamax d Renew Capital deg tuber 2024.
Isawaḍen i Wid Yebɣan Aselqan
Ma yella tettḥulfuḍ tkerwa-k neɣ tigullit-ik teḥwaǧ aselqan n tmeṭṭart n usendu, Talaty tella tefka-d tarrayt tamaynut. Maca, sdat n usuter, yelzem ad taḍfeḍ kra n yiseklan:
- Fehmi Amiḍan n Umahil: Deg wakud-agi, Talaty texdem s yibankan imsedragen. Yelzem ad tessineḍ d acu-tt tarrayt n uselqan sɣur Talaty d yibankan-is imsedragen.
- Aheggi n Yiwra: Heddi iwrar-ik n uskan (digital documents) imi tarrayt n ussekles d KYC n Talaty d tafrarant.
- Amanar Afraran: Ddqi-d amanar afraran n Talaty. Urɛad d-tusa tifrat i uselqan srid, dɣa ilaq ad taḍfeḍ belli aselqan ad yettwaxdem sɣur yibankan imsedragen.
- Qqen ɣef Isallen: Qqen ɣef isallen n usuffeɣ n uselqan n ufakan n Talaty d usmel n uẓeṭṭa, imi ad teshel tarrayt n usuter deg uzekka.
- Mmeslay d Yisefra Nniḍen: Uqbel ad taḍfeḍ afran, mmeslay d yisefra nniḍen n uselqan yellan deg Lmerruk, akken ad tafrar ayen akk yelhan i tkerwa-k.
- Ɣer Isemliyen s Uḥader: Mi d-ttwaseklen isemliyen n uselqan, ttawil n wamud, d isaramen, ɣer-ten s uḥader akken ad fehmiḍ ayen akk yelhan uqbel ad tqebbleḍ.
Talaty tella tefka-d tamenzut i uselqan i tigulin timeẓyanin d tiddummin deg Lmerruk, s useqdec n tmusni tanagguft. S tmeɣla n ufran d useqses n wugur n usixxer, Talaty tebɣa ad tesseɣzef assiliɣ afraran d ad teshel tarrayt n uselqan i yiman n tkerwa yellan deg tmurt. D ayen yelhan i wid yebɣan aselqan s tmeɣla d tmusni tamaynut.
