I-Scale, inkampani entsha ekhipha amakhadi eNingizimu Afrika, ibambisene ne-Mastercard, inkampani yokukhokha yomhlaba wonke, ukuze kube lula ukwenza imikhiqizo yamakhadi emabhizinisini aseSenegal, e-Ivory Coast, eKenya, eZambia naseZimbabwe.
Kuzo zonke izimakethe eziningi zase-Afrika, izinkampani ezinikeza ukukhokha ngamakhadi kumele zisebenzisane nezinhlangano eziningana, okuhlanganisa nokukhipha amabhange, amanethiwekhi okukhokha, kanye nabaxhasi beNombolo Yokuhlonza Ibhange (i-BIN), okuholela ekuqalisweni komkhiqizo okuhamba kancane kanye nokwanda kobunzima bokusebenza. I-Mastercard kanye ne-Scale bathi imodeli yabo yokuhlanganiswa okukodwa yenza kube lula ukwamukelwa, ukucubungula, kanye nokuthobela imithetho ukuze amabhizinisi akwazi ukugxila ekwakheni imikhiqizo yamakhasimende ngenkathi ipulatifomu iphatha umsebenzi onzima.
EKenya, lapho imali yeselula isivele inkulu khona futhi ukusetshenziswa kwamakhadi kukhula kwezentengiselwano ze-e-commerce kanye nokuthengiselana okunenani eliphezulu, ukubambisana kunciphisa kakhulu ubunzima kanye nesikhathi sokumaketha kwabadlali be-fintech abakhona.
Ezimakethe ezifana neSenegal, i-Ivory Coast, iZambia, kanye neZimbabwe, lapho amakhadi engajwayelekile khona futhi izimali noma ama-wallet eselula zisabusa, kugxilwe ekuvumeleni izimo ezintsha zokusetshenziswa njengamakhadi e-wallet ahambisanayo, amabhizinisi amancane naphakathi, amakhadi okusebenzisa imali ezinkampanini, amakhadi okukhokha ohulumeni kanye nezinhlangano ezingenzi nzuzo.
Ngokubambisana, i-Scale, eyasungulwa ngo-2022 nguBarbara Woollams noMiranda Naidoo, ihlinzeka ngengqalasizinda yokukhipha, amathuluzi okufaka amakhasimende, kanye nokusekelwa kwemithetho ngenkathi i-Mastercard iletha inethiwekhi yayo yokukhokha yomhlaba wonke, ukubambisana kwamabhange kanye nobuchwepheshe bemakethe.
โKuyo yonke i-Afrika, abasunguli bezinto ezintsha bakha izixazululo ezinamandla, kodwa abaningi bayabambezeleka ngenxa yezinyathelo eziyinkimbinkimbi ezidingekayo ukuze kukhishwe amakhadi, okunomthelela omkhulu ebhizinisini labo, emakethe, nasekukhuleni kwabo,โ kusho uMiranda Naidoo, uMsunguli kanye neSikhulu Esiphezulu se-Scale. โLokhu kubambisana ne-Mastercard kususa lezo zithiyo ngokunikeza amabhizinisi indlela ecacile nephumelelayo yokungena emakethe kanye nokukhula.โ
Lobu budlelwano bakhela phezu komfutho wangaphambilini kaScale, owawuhlanganisa ukuqoqa u-$700,000 ngo-Okthoba 2024 ukukhulisa ipulatifomu yayo yokukhipha amakhadi kulo lonke elase-Afrika. Ngaphezu kwalokho, kulandela isidingo esikhulayo sokukhokha ngedijithali. I-McKinsey kuhlelwe ukuthi imali engenayo yezinsizakalo zezimali zase-Afrika ingafinyelela cishe ku-$230 billion ngo-2025, kuyilapho emhlabeni jikelele, amapulatifomu okukhipha amakhadi esimanje kulindeleke ukuthi akhiphe cishe u-35% wawo wonke amakhadi okukhokha ngo-2029.
โNgokwenza kube lula uhambo lokukhipha imali, sisekela ochwepheshe bezezimali kanye nezikhungo ezingezona ezemali njengoba bandisa ukufinyelela kwezinsizakalo zezimali zedijithali futhi balethe abathengi namabhizinisi amaningi emnothweni osemthethweni,โ kusho uMete Guney, iPhini likaMongameli Ophethe, i-Market Development for Eastern Europe, Middle East kanye ne-Afrika kwa-Mastercard.
Ubambiswano lunikeza iScale inethiwekhi kanye nokwethembeka ukuze ihambe ngokushesha ezimakethe ezinhlanu. Umbuzo onzima ukuthi ngabe iScale inalo yini izinga lokusebenza elihambisana nalelo phupho, ikakhulukazi ezimakethe lapho imali yeselula isivele isebenza kahle, futhi izinhlaka zomthetho zihluka kakhulu. Izinyanga eziyishumi nambili ezizayo zizobe zibalulekile.
