I-Happy Pay, inkampani entsha yaseNingizimu Afrika ethenga manje-khokha kamuva (i-BNPL), iqoqe imali eyizigidi ezi-5 zamaRandi ukuze ikhulise lokho ekuchaza njengenethiwekhi yokuqala yokukhokha esekelwa yizikhangiso e-Afrika.
Imali izosetshenziselwa ukujulisa ubudlelwano nabathengisi, ukwandisa ukusatshalaliswa kuzo zonke iziteshi eziku-inthanethi nezingaxhunyiwe ku-inthanethi, futhi ithuthukise izincomo zayo kanye nenjini yokukhangisa esebenzisa i-AI.
I-Partech ihole umjikelezo, kanye nokubamba iqhaza kwe-Futuregrowth Asset Management, i-4Di Capital, i-E4E Africa, i-Equitable Ventures, kanye ne-Felix Strategic Investments.
โUmsebenzi wethu ulula, ukwenza ukuphathwa kwemali kube mahhala kubathengi,โ kusho uWesley Billett, umsunguli kanye ne-CEO ye-Happy Pay. โUma singaxhumanisa umkhiqizo ofanele nomuntu ofanele ngesikhathi esifanele futhi sisuse ukungezwani kokukhokha, ukuhweba ngokwako kungaxhasa ukuguquguquka.โ
Imakethe ye-BNPL yaseNingizimu Afrika ikhula ngokushesha, njengoba ukwamukelwa kwayo kusakazeka kuzo zonke izitolo kanye nezentengiselwano ze-inthanethi. inhlolovo yezinkokhelo zedijithali bathole ukuthi ama-56.5% abantu baseNingizimu Afrika basebenzise i-BNPL ekuthengeni ku-inthanethi, kanti ama-41.1% bayisebenzisele ukubhukha ukuhamba, okubonisa ukujwayelana kabanzi nomodeli. Amanani okuthengiselana nawo ayasebenza. ukuphakama, efinyelela ku-$815 million ngo-2025, isuka ku-$717 million ngo-2024.
Njengoba izindleko zokuphila zanda, i-BNPL isiba ithuluzi lokuphatha ukuhamba kwemali kubathengi, okubavumela ukuthi bahlukanise izinkokhelo zezinto ezibalulekile kanye nokusetshenziswa kwemali ngokuzikhethela. I-Happy Pay izibeka ngaphakathi kwalolu shintsho, ihlose abasebenzisi abafuna ezinye izindlela zesikweletu zesikhashana ngaphandle kwezindlela zendabuko zasebhange.
Yasungulwa ngo-2021 nguWesley Billett, uPatrick Postrehovsky, noMark Geary, i-Happy Pay. inikeza izinkokhelo zokukhokha ngezitolimende ezingenanzalo kubathengi abaku-inthanethi futhi ikhule yaba abasebenzisi ababhalisiwe abangaphezu kuka-600,000. Isiphakamiso sayo esiyinhloko imodeli exhaswa ngezikhangiso esusa inzalo kanye nezimali kubathengi ngokudlulisela izindleko kubathengisi kanye nemikhiqizo ezuza ngokuthengisa okwandisiwe.
Enkabeni yalolu hlobo kukhona injini eqhutshwa yi-AI efanisa abathengisi nabathengi abanezinhloso eziphezulu ngesikhathi sangempela, iveza okunikezwayo ngaphakathi kohlelo lokusebenza lwe-Happy Pay kanye neziteshi zozakwethu. Abathengisi bakhokha kuphela uma ukuthengiselana sekuqediwe.
โIsikweletu besilokhu senziwa ngomthengi,โ kusho uBillett. โSiyafakazela ukuthi singenziwa ngokudala inani esikhundleni salokho. Lapho abathengisi bekhula, abathengi akufanele bangene ezikweletini ukuze lokho kwenzeke.โ
Le nkampani ithola imali engenayo ngokuxhaswa ngabathengisi. Abathengisi bakhokhela ukufinyelela ezinkokhelweni eziguquguqukayo ezihlanganiswe nokukhangisa okuqondisiwe, okuqhuba amazinga aphezulu okuguqulwa, osayizi abakhulu bamabhasikidi, kanye nokuthengwa kwamakhasimende.
โSibheke izinkampani eziningi ze-Buy Now Pay Later kulo lonke elase-Afrika, eYurophu nase-US, futhi sicacile ukuthi imodeli engcono kakhulu yokwakha inani langempela yileyo eyakhiwe yi-Happy Pay. I-BNPL inengqondo kuphela uma iletha ukuthengeka kwangempela kubathengi ngenkathi isiza abathengisi ukuthuthukisa ukuguqulwa, ukukhulisa isisekelo sabo samakhasimende, ukwakha ukwethembeka, nokunciphisa izindleko zokuthenga,โ kusho uMatthieu Marchand, uMphathi Omkhulu ePartech.
