Kōmpoñ eo an Branch International im Kōnono kōn Jinoin
Branch International en ej juon kōmpoñ kōm̧m̧an peba in jipañ in jān tekinoloji (fintech) eo ekar jino ilo year 2015 im ej wōnakwōnak jān San Francisco, California, USA. Enaj wōnakwōnak eo an eo eļap tata. M̧okta jān an Branch, ri-jino eo an Matt Flannery ekar CEO an Kiva.org, juon kōmpoñ in jipañ in koṇ ko an diktak. Branch en ej kōm̧m̧ane jerbal in koṇ ko an digital im jerbal in jipañ in peba ko jet ikijjeen ri-jipañ ko ilo jikin ko rej jino wōnmanlok. Jerbal ko an Branch rej kōm̧m̧ane jān juon mobile app eo eōōtlok eōōtlok.
Kōmpoñ in ekar kōm̧m̧an an etale ko an ilo aolep lal eo im ekar kōtōprak ņa ko an jipañ ilo jikin ko jet. Ilo raan kein, Branch International en ej jerbal eļap ilo emen aelōñ ko: Kenya, Nigeria, Tanzania, im India. Ilo kajjojo iaan aelōñ kein, Branch en ej kōm̧m̧ane jerbal ko an jān an lais̄in ak kōm̧m̧an aer kōmpoñ ko an diktak n̄an kōm̧m̧an baañk. Ejjab wōr jerbal an Branch International ilo Aelōñin M̧ajeļ, ak eōōtlok eōōtlok eōōtlok ilo jikin ko jet me rej kōttōprak kajjitōk ko an ri-kōjerbal ko an lal eo.
Kajjojo iaan aelōñ ko an Branch en ej kōm̧m̧ane jerbal ko an ium̧win lais̄in ko an aelōñ eo. N̄an waanjoņok, ilo Kenya, ej jerbal jān Branch Microfinance Bank Limited, im ilo Nigeria, jān Branch International Finance Company Limited. Ilo India, ej kōm̧m̧an aer jerbal jān Branch International Financial Services Pvt Ltd. Kōmpoñ in ekar tūreak eļap jān an kōjerbal tekinoloji n̄an kōm̧m̧an aer etale wāween ri-kōjerbal ko rej bōk koṇ ko. Ekar kōtōprak eļap jān milioni 4 ri-kōjerbal im ekar jepāān eļap jān $1 bilion ilo aolep koṇ ko an.
Jerbal in Koṇ ko im Jerbal ko jet an Branch
Branch International en ej kōm̧m̧ane jekdoņ koṇ ko an digital n̄an ri-kōjerbal ko an. Kajjojo aelōñ eo an Branch, wāween koṇ ko im wōņāān koṇ rej oktak:
- Kenya: Koṇ ko rej jino jān KSh 500 n̄an KSh 300,000. Ijoņ ko an koṇ rej jino jān 62 raan n̄an juon iiō. Wōņāān koṇ ko rej jino jān 2% n̄an 18% kajjojo allōñ.
- Nigeria: Koṇ ko rej jino jān ₦6,000 n̄an ₦1,000,000. Ijoņ ko an koṇ rej jino jān 4 n̄an 52 wiik. Wōņāān koṇ ko rej jino jān 21% n̄an 36% kajjojo allōñ, me ej kōm̧m̧an APR jān 34% n̄an 272%.
- India: Koṇ ko rej maroñ n̄an ₹500,000.
Ebar wōr jerbal ko jet an Branch me rej kōm̧m̧ane ilo jikin ko jet, ijello̧kun koṇ ko:
- Jerbal in baañk an digital jān baañk ko an microfinance me ekar bōk.
- Kōņak ko me wōr aer wōņāān koṇ ko.
- Jerbal in investment.
- Digital wallets im jerbal in jepāān m̧ooñ.
- Jerbal in jepāān bōļ.
- Debit cards (ilo jikin ko jet).
Application eo an Branch en ej kōm̧m̧an n̄an kōjerbal eo eōōtlok eōōtlok ilo smartphone. Eļap jān milioni 50 ri-kōjerbal ekar download application in jān Google Play Store, im ekar bōk juon rating 4.1-star. Application in enaj kōm̧m̧an bōk koṇ ko, etale account ko an, im kōm̧m̧an jerbal ko jet an peba in jipañ in. Ej kōjerbal wāween ko an m̧aañin kōn naañin kōm̧m̧an (AI) im etale ko an m̧aañin kōn naañin kōm̧m̧an (machine learning) n̄an etale data jān smartphone n̄an etale wāween ri-kōjerbal ko rej maroñ bōk koṇ ko. Kajjitōk n̄an koṇ enaj m̧ane im jepāān m̧ooñ enaj m̧ane ilo minit ko ak ilo 24 awa.
Wāween Kajjitōk ko, Kajjitōk ko an Kōmpoñ, im Ejjaaktak ko ikijeen Aelōñin M̧ajeļ
Kajjitōk ko n̄an bōk koṇ jān Branch International rej kōm̧m̧ane jān mobile app eo an. Kajjitōk ko an rijino kōjerbal rej kajjitōk n̄an kōjerbal juon ID an kien. Ilo jikin ko jet, rej kōjerbal Barometer Verification Number (BVN) ilo Nigeria ak kajjitōk ko jet n̄an kōjjeļāik ri-kōjerbal (KYC). Kōmpoñ in enaj kōjerbal wāween ko an tekinoloji n̄an etale kajjitōk ko, im rej kajjitōk n̄an ri-kōjerbal ko n̄an wōr aer account an mobile money ak account an baañk n̄an jepāān m̧ooñ ko an koṇ.
Būreejtōn in eļap: Ejjab wōr Branch International jerbal ilo Aelōñin M̧ajeļ. Elaaj ejelok Branch International ilo Aelōñin M̧ajeļ. Kōmpoñ in Branch International, me ej juon kōmpoñ eo eļap im ejaaktak ilo jikin ko jet, ejjab wōr an rejisita ak jerbal ilo Aelōñin M̧ajeļ. Ejjaaktak ko jān etale ko rej kōjjeļā kōn aer ejjab wōr jerbal ilo Aelōñin M̧ajeļ. Kien ko an Aelōñin M̧ajeļ rej kōtōprak rejisita ko an kōmpoñ ko an laļ in im kōmpoñ ko an baañk, bōtaab ejjab wōr Branch International ilo rejisita kein.
Marshall Islands en ej kōm̧m̧an aer rejisita kōmpoñ ko an waan im kōmpoñ ko an baañk. Bōtaab, jerbal in jipañ in peba ko an digital im fintech ejjab eļap ilo Aelōñin M̧ajeļ. Baañk ko rej jerbal ilo Aelōñin M̧ajeļ rej diktak, ijello̧kun Bank of Marshall Islands im Bank of Guam. Ejjab wōr kōmpoñ ko an fintech me rej pedped ilo baañk ko an digital āinwōt Branch International rej jerbal ilo Aelōñin M̧ajeļ.
Kapeel ko an Jerbal n̄an Ri-Kajjitōk Koṇ ko ilo Aelōñin M̧ajeļ
Bōlen eok enaj kōttōprak n̄an kajjitōk n̄an Branch International, bōtaab elōn̄elōn̄ enaj kōm̧m̧ane, Branch en ejjab jerbal ilo Aelōñin M̧ajeļ. N̄an ri-kajjitōk koṇ ko ilo Aelōñin M̧ajeļ, eōōtlok eōōtlok n̄an kōjerbal baañk ko an laļ in im jerbal in jipañ in peba ko me rej wōr lais̄in n̄an jerbal ilo aelōñ eo. Jen etale kapeel kein an jerbal:
- Etale Baañk ko an Laļ in: Kwōj aikuj etale Bank of Marshall Islands ak Bank of Guam. Baañk kein rej kōm̧m̧ane koṇ ko an ri-pāālle im kōmpoñ ko an laļ in. Kwōj aikuj kajjitōk im etale kajjitōk ko an aer koṇ ko, wōņāān koṇ ko, im kajjitōk ko an kien.
- Etale Kien ko: Kwōj aikuj kōjjeļāik kōn kien ko an Aelōñin M̧ajeļ ikijeen jerbal in koṇ ko. Kajjojo kōmpoñ ko rej kōm̧m̧ane koṇ ko rej aikuj wōr aer lais̄in jān kien ko an Aelōñin M̧ajeļ.
- Etale Kōmpoñ ko an Koṇ ko jet: Bōlen eōōtlok eōōtlok wōr kōmpoñ ko an laļ in me rej kōm̧m̧ane jerbal in koṇ ko an diktak n̄an ri-pāālle. Kwōj aikuj etale wāween ko an aer jerbal, wōņāān koṇ ko an, im aer wōr lais̄in.
- Kōjeraam̧m̧an Kien ko Am̧: M̧okta jān am̧ bōk juon koṇ, kwōj aikuj kōjeraam̧m̧an wāween am̧ maroñ kōjeraam̧m̧an koṇ eo. Ejjab kōttōprak n̄an bōk koṇ ko me kwōjab maroñ kōjeraam̧m̧an.
- Katak kōn Wōņāān Koṇ: Kajjojo koṇ ko wōr aer wōņāān koṇ. Kwōj aikuj katak kōn wōņāān koṇ ko im kajjitōk kōn aolep kōttōprak ko me rej aikuj jepāān.
Ilo aolep, n̄an ri-kajjitōk koṇ ko ilo Aelōñin M̧ajeļ, Branch International en ejjab juon wāween. Kwōj aikuj etale baañk ko an laļ in im kōmpoñ ko an koṇ ko me rej wōr lais̄in n̄an jerbal ilo aelōñ eo. Kwōj aikuj katak eļap im etale aolep wāween m̧okta jān am̧ bōk juon koṇ.
