Fintech Integration Secrets: Azi saheli-kɔrɔnfɛla jagokɛlaw bɛ ka se sɔrɔ cogo min na

Fɛntɛki ni ɲɔgɔn cɛ sigidaw wulicogo min tɛ se ka bali

Azi saheliyanfan ye laboratuwari nizɛri ye . Ɛntɛrinɛti baarakɛlaw miliyɔn 460 ni kɔ, u si hakɛ cɛmancɛ ye san 30 ye, ani jiginni teliya la ka taa sɔrɔko fɔlɔw la minnu bɛ kɛ ni mobili ye, o mara in ye tɛmɛn jagokɛcogo kɔrɔw kan. Fɛn min nafa ka bon kosɛbɛ k’a ka jagokɛcogo sɛmɛntiya kokura, o ye wariko fɛɛrɛw (fintech) doncogo jugu ye jagokɛyɔrɔw la minnu tɛ wariko ye. K’a ta ride-hailing porogaramuw la minnu bɛ juru fitininw di ka se ɛntɛrinɛti jagokɛyɔrɔw ma minnu bɛ asiransi don a kɔnɔ, danfara min bɛ baarakɛyɔrɔ ni wariko tɔn cɛ, o bɛ ka jɛya. Nin tɛ fɛn ye min bɛ mɔgɔ nɔgɔya dɔrɔn; o ye rewiring jɔnjɔn ye jagokɛlaw bɛ baara kɛ cogo min na ani ka bonya cogo min na. Plateforme tigiw fɛ diɲɛ kɔnɔ, kalan minnu bɔra Azi saheli-kɔrɔnfɛla finɛtɛki jiginni na, olu ye ɲɛnamaya ni fanga sɔrɔli bolodalen ye san tan nataw kɔnɔ.

tɔn minnu bɛ i n' a fɔ Grab , Gojek , ani Shopee , olu ma wari sarali butɔni dɔrɔn fara a kan . U ye wariko sigidaw jɔ u ka baarakɛminɛn jɔnjɔnw lamini na, ka baarakɛlaw ka kantigiya da min ɲɔgɔn tɛ yen ani sɔrɔ sira kura, min ka bon. U ka ɲɛtaa b’a jira ko SaaS ka siniɲɛsigi tɛ porogaramu ɲumanw dɔrɔn ye—a bɛ wariko kɛcogo dɔ dabɔ min tɛ fɛn tiɲɛ, min bɛ diɲɛ gɛlɛya lakikaw ɲɛnabɔ baarakɛlaw ye. O fɛɛrɛ in bɛ tali kɛ ɲɔgɔn na ni fɛnɲɛnɛma-falen-falen-falen-falen-falen-falen-yɔrɔw ye i n’a fɔ Mewayz, yɔrɔ min na wariko moduluw i n’a fɔ fatura, sarako, ani sarali dakunw faralen ɲɔgɔn kan, o bɛ jagokɛla ka OS sɛmɛntiya ka bɔ baarakɛminɛn gansan na ka kɛ wariko yɔrɔ nafamaba ye.

Mun na Azi saheliyanfan kɛra kɔrɔbɔli dafalen ye

Azi saheli-kɔrɔnfɛla cogoya kɛrɛnkɛrɛnnenw y' a kɛ sigida ɲuman ye finɛtiri jɛ-ka-baara ka ɲɛtaa sɔrɔ . A fɔlɔ, jamanaden fanba tun ye tariku kɔnɔ "banki tɛ" walima "banki jukɔrɔ". K’a sɔrɔ laadala banki doncogo tun ka dɔgɔ, smartfon tali cayara. O ye lamɛnnikɛla camanba dɔ lawuli, minnu bɛ bɔ nizɛrikan na, kɔngɔ bɛ minnu na wariko baara la nka u sɔrɔli dan ye sira kɔrɔw fɛ. Plateforme minnu tun bɛ o baara ninnu kɛ porogaramuw kɔnɔ u tun bɛ baara kɛ ni minnu ye kaban, olu ye instant product-market fit sɔrɔ.

A filanan , mara in ka danfara — jamana caman , wariko , kanw , ani sariyasunba caman — ye kokuradonni wajibiya . Fɛɛrɛ min tun bɛ kɛ ni fɛn kelen ye, o tun tɛ se ka kɛ. Ɲɛtaa tun b’a ɲini ka finɛtɛki fɛɛrɛw jɔ minnu bɛ se ka wuli ka bɔ u nɔ na, ​​minnu bɛ se ka kɛ ka kɛɲɛ ni sigida suguyaw ye. O wajibi in ye mɔgɔw bɔnsɔn dɔ lamɔ, minnu bɛ se ka kɛ sababu ye ka wariko baara suguya caman don ɲɔgɔn na, k’a ta Singapuri ka banki nizɛrikan na min ka bon kosɛbɛ, ka se Ɛndonezi ka baara kɛli ma kosɛbɛ ni QR kode sarali ye. Nin modulari ladamuni in ye sariyakolo jɔnjɔn ye plateforme o plateforme fɛ min b’a fɛ ka scale diɲɛ kɔnɔ.

Kalanba minnu bɛ sɔrɔ sugu ɲɛmɔgɔw fɛ : minɛ ni gojeki

Grab ni Gojek ka taamasiyɛnw bɛ masterclass di fintech jɛ-ka-baara la. U fila bɛɛ y’a daminɛ ni baarakɛminɛn jɔnjɔn kelen ye — ride-hailing — nka u y’a faamu joona ko u ka nafolo belebeleba ye baarakɛlaw ka dannaya ye ani ka to ka u sen don a la. U y’o kɛ sababu ye ka wariko baara dɔw daminɛ minnu bɛ dimi teliyalenw ɲɛnabɔ u ka bolifɛntigiw n’u ka mɔbili kɔnɔmɔgɔw ye.

Kalansen fɔlɔ : A daminɛ ni baarakɛyɔrɔba ye

Grab ka bolifɛn-taama-baarakɛla ye don o don maga-maga-yɔrɔ caman da ni baarakɛlaw ye. O jɛɲɔgɔnya min bɛ kɛ siɲɛ caman, o ye dannaya jusigilan jɔ, ka baarakɛlaw bila ka sɔn ka wariko fɛn kuraw lajɛ i n’a fɔ GrabPay walima GrabRewards. Kalansen jɛlen don : fintech jɛ-ka-baara bɛ nɔ bɔ kosɛbɛ ni a jɔlen bɛ jɛɲɔgɔnya kɔrɔ kan, min bɛ se ka da a kan. Jagokɛyɔrɔ min bɛ i n’a fɔ Mewayz, o kɔrɔ ye ka wariko baarakɛminɛnw don baarakɛcogo la k’a ɲɛsin baarakɛlaw ma, baarakɛlaw bɛ u jigi da minnu kan kaban don o don, i n’a fɔ ka fatura dɔ lawuli o yɔrɔnin bɛɛ la, porozɛ dɔ taamasiyɛn kɛlen kɔ ka ban CRM kɔnɔ.

Kalansen 2nan : Gɛlɛya kɛrɛnkɛrɛnnen , kɔrɔtɔlen dɔ ɲɛnabɔ

Gojek y' a jira ko a ka bolifɛntigiw tun tɛ se ka kapitali teliya sɔrɔ tuma caman na mobili ladonni walima kɔrɔtɔko la . U ka fura tun ye GoPay ye ani kɔfɛ, bolifɛntigiw ka juru fitininw. Nin tun tɛ farali ye k’a sɔrɔ a ma kɛ cogo si la; o kɛra fɛɛrɛ tigɛlen ye walasa k’u ka sɔrɔko cakɛda (bolikɛlaw) barika bonya, u kɛtɔ ka wariko gɛlɛyaba dɔ ɲɛnabɔ. Taamasenɲɛ min bɛ kɛ ka ɲɛsin plateforme wɛrɛw ma, o ye ka fintech don ɲɔgɔn na min bɛ wariko gɛlɛyabaw ɲɛnabɔ i ka baarakɛlaw ka baarakɛyɔrɔ la.

jɛɲɔgɔnya ɲɛtaa sabatili jɔnjɔnw

fintech jɛ-ka-baara ɲɛtaa tɛ bololabaara ye fɛn caman kan i n' a fɔ a bɛ se ka kɛ cogo min na . O ye fɛɛrɛbɔ taabolo ye min jɔlen bɛ yɔrɔ kolomaw kan.

• Baarakɛcogo min tɛ fɛn tiɲɛ (UX): wariko jago ka kan ka kɛ i n’a fɔ kɛnɛ in baarakɛcogo yɔrɔ dɔ . Ni baarakɛla dɔ ka kan ka bɔ i ka porogaramu kɔnɔ walima ka wari saracogo gɛlɛn dɔ lajɛ, i ma se. Intégration ka kan ka kɛ yebali ye.
• Lakanali ni sariya labatoli barikama : Nafolo kunnafoniw tali bɛ banki la lakanani de wajibiya ani ka sigida sariyaw labato kosɛbɛ (misali la, PDPA Singapuri). dannaya ye i ka wari nafamaba ye, wa sariya tiɲɛni kelen bɛ se k’a tiɲɛ.
• Data-Driven Personalization : Baara kɛ ni kunnafoniw ye minnu bɛ i bolo kaban walasa ka i yɛrɛ ka wariko fɛnw di . Misali la, plateforme dɔ bɛ se ka kɔn ka sɔn jago juru dɔ ma ka da a ka fatura tariku kan ani a ka kiliyanw marali hakɛw kan CRM kɔnɔ.
• Modular Architecture : Se ka sarali dakun suguya caman don (misali la, DBS API, OVO, GoPay) walima wariko baarakɛyɔrɔw la k’a sɔrɔ i ma i ka sigida bɛɛ jɔ kokura, o nafa ka bon kosɛbɛ walasa ka sɛgɛsɛgɛli kɛ suguw kɔnɔ.

ye Fintech integrations barikamaw tɛ i n’a fɔ wariko baarakɛlaw fewu. U b’a miiri ko u ye fɛɛrɛ nata ye min bɛ se ka kɛ, min bɛ se ka kɛ sababu ye ka baarakɛla ka laɲini fɔlɔ sɔrɔ.

Fɛntɛki don i ka kɛnɛ kan

aw bɛ se ka nin kalansenw waleya cogo di ? Nin ye fɛɛrɛ ye min bɛ se ka kɛ, min bɛ kɛ dakunw na, walasa ka fintech don i ka jagokɛyɔrɔ la.

1. I ka baarakɛla ka taama jateminɛ : baarakɛla bɛ maga yɔrɔ o yɔrɔ la ni i ka plateforme ye , o kariti kɛ . Aw ye taabolo dɔw jira wariko jago bɛ kɛ yɔrɔ minnu na walima wariko gɛlɛya (i n’a fɔ wariko gɛlɛya) bɛ kɛ sababu ye ka ɲɔgɔn sɔsɔ.
2. Aw ye sababu ye min bɛ nɔba bila : Aw ye wariko jɛɲɔgɔnya kelen walima fila bila jɔyɔrɔ fɔlɔ la minnu bɛ gɛlɛyaba ɲɛnabɔ aw ka baarakɛlaw ka yɔrɔba la . Porozɛ ɲɛnabɔli baarakɛminɛn dɔ kama, o bɛ se ka kɛ fatura ni wari sarali nɔfɛtaama jɛlen ye.
3. I ka jɛ-ka-baara fɛɛrɛ sugandi : Aw ye a latigɛ so kɔnɔ, ka baara kɛ ni fintech API ye (i n’a fɔ Stripe walima Xendit), walima ka baara kɛ ni modulu plateforme ye i n’a fɔ Mewayz min bɛ wariko moduluw dilan ka kɔn, minnu bɛ bɛn sariya ma. PME fanba fɛ, API walima modulu sira bɛ teliya ani a musaka ka dɔgɔ.
4. Prototype and Test Rigorously : Aw bɛ fɛɛrɛ in lase beta kulu fitinin dɔ ma . Aw ye hakilinaw lajɛ UX kan, lakana haminankow, ani nafa bɛɛ lajɛlen kan. Iterate teliya la ka da o kunnafoniw kan.
5. A daminɛ ni kumaɲɔgɔnya jɛlen ye : Aw bɛ fɛn kura in laseli , k' a jira cogo min na a bɛ baara kɛrɛnkɛrɛnnen dɔ nɔgɔya . Dɛmɛ ni kalanw di walasa ka denfaya ɲɛminɛ.
6. Sɛgɛsɛgɛli kɛ ani ka dɔ fara a kan : Kɔlɔsili kɛ jateminɛ jɔnjɔnw na i n’a fɔ tali hakɛ , jago hakɛ , ani baarakɛlaw ka hakilinaw . Baara kɛ ni nin hakilina ninnu ye walasa k’i ka finɛtiri jɛ-ka-baara nata boloda.

Navigatɛri sariyasunba la

Azi saheli-kɔrɔnfɛla sariyasunba tila-tilalen ye gɛlɛyaba ye . Indonezi ka OJK, Malasi ka Banki Negara, ani Singapuri ka MAS bɛɛ ka wajibiw tɛ kelen ye nizɛri wari sarali, jurudon, ani kunnafoniw gundoko la. Plateforme minnu ye ɲɛtaa sɔrɔ, olu ma u yɛrɛ tanga sariyasunba ma; u y' a minɛ k' a kɛ u ka fɛɛrɛ jɔnjɔn dɔ ye .

U ye wari bila sigida sariyako dɔnniya la , ka sariya labatoli jɔ k' a ɲɛsin u ka fɛn dilannenw jɔcogo ma . Plateforme wɛrɛw ta fan fɛ, o b’a jira ko a nafa ka bon ka jɛɲɔgɔnya kɛ ni furakɛlikɛlaw ye minnu bɛ sariya labatoli bila jɔyɔrɔ fɔlɔ la. Baara kɛli ni plateforme ye min kɔnɔ sariyaw labatoli bɛ a kɔnɔ a ka wariko moduluw kama, o bɛ se ka dɔ bɔ kosɛbɛ faratiw ni gɛlɛyaw la minnu bɛ sɔrɔ yiriwali la.

A nɔfɛko sumani : sɔrɔko kɔfɛ

fintech jɛ-ka-baara ɲɛtaa bɛ suman ni fɛn caman ye ka tɛmɛ jago sara dɔrɔn kan . Segin minnu nafa ka bon kosɛbɛ, olu ka teli ka kɛ fɛɛrɛw ye.

• Baarakɛlaw ka nɔrɔli caya : Baarakɛlaw minnu bɛ baara kɛ ni wariko baarakɛminɛn caman ye kɛnɛ dɔ kɔnɔ , olu ka teli ka wuli kosɛbɛ . U ka sɛgɛsɛgɛli musakaw bɛ kɛ fɛnba ye min tɛ se ka fɔ.
• Sɔrɔ kura sɔrɔcogo : Jago sara , abonɛn musakaw wariko ɲɛtaa siratigɛ la , ani tɔnɔ min bɛ bɔ jurudon na , o bɛ sɔrɔ caman dilan min bɛ i ka sɔrɔ caman kɛ .
• Dɔnniya nafamaw : Nafolo kunnafoniw bɛ faamuyali jugu di i ka baarakɛlaw ka jago kɛnɛya n’u magow kan , ka se ka kɛ sababu ye ka fɛn dilannenw dilanni n’u feereli kɛ ni laɲini ye min ka bon kosɛbɛ .
• Sɛbɛnni Moats : wariko sigida min bɛ don ɲɔgɔn na kosɛbɛ, o ka gɛlɛn kosɛbɛ ɲɔgɔndankɛlaw bolo ka segin a kan, o bɛ nafa sabatilen dilan ɲɔgɔndan na.

siniɲɛsigi : Nafolo donna i n' a fɔ a daminɛ

Kalan minnu bɔra Azi saheli-kɔrɔn fɛ , olu bɛ siniko jira min tɛ se ka bali , wariko min bɛ don a kɔnɔ , o de ye default ye , a tɛ kɛ danfara ye . Jagokɛyɔrɔw tɛna jate tugun u ka baarakɛcogo jɔnjɔn dɔrɔn de kan, nka u seko bɛna kɛ ka baarakɛyɔrɔ dafalen di, ni wariko baarakɛminɛnw ye minnu sirilen don baarakɛlaw ka ko kɛlenw fini na cogo la min tɛ fɛn tiɲɛ. Setigiw bɛna kɛ minnu ye minnu bɛ fɛɛrɛ dɔ ta min bɛ kɛ ni modulu ye, min sinsinnen bɛ baarakɛlaw kan, k’u ka kɛnɛw tigɛli kɛ wariko jɛɲɔgɔnw ye minnu nafa ka bon u ka kiliyanw bolo.

plateforme jɔbagaw ni SaaS tɔnw fɛ , cikan jɛlen don . Aw bɛ aw ka fintech fɛɛrɛ labɛnni daminɛ sisan. A daminɛ ni jɛɲɔgɔnya kelen ye, min bɛ nɔba bila, ka jɔ dannaya ni lakana jusigilan kan, ani ka baara kɛ ni modulu architectures ye walasa ka ladamu ani ka sɛgɛsɛgɛli kɛ. Porozɛw baarakɛminɛn jɔlen waati tɛmɛna. jago ni wariko baarakɛcogo jɛlen waati daminɛna.

Ɲininkali minnu bɛ kɛ tuma caman na

fintech jɛ-ka-baara nɔgɔman ye mun ye jagokɛla misɛnninw ka sigida la ka daminɛ ni min ye ?

a ka c'a la, daminɛ min ka nɔgɔn ani min bɛ nɔ bila kosɛbɛ, o ye fatura ni ɛntɛrinɛti wari sarali jɛlen ye. A bɛ diɲɛ bɛɛ ka jago mago ɲɛ, a bɛ ni ROI jɛlen ye, wa a bɛ se ka fara a kan APIw walima modulariw fɛ i n’a fɔ Mewayz ni yiriwali musaka fitinin ye.

Azi saheli-kɔrɔnfɛla sariyaw bɛ nɔ bila cogo di finɛtiri jɛ-ka-baara la jamana wɛrɛw ka platformuw kama ?

Sariyasenw bɛ danfaraba don jamanaw ni ɲɔgɔn cɛ . Dunanw ka sigidaw ka kan ka jɛɲɔgɔnya kɛ ni sigida ka lase sɔrɔbagaw ye walima ka baara kɛ ni diɲɛ sigidaw ye minnu ka sariya labatoli hukumu kɔnɔ ka kɔn sugu kelen-kelen bɛɛ bolo walasa ka ɲininiw lajɛ kunnafoniw dogolenw, wari saracogo, ani wariko baarakɛlaw lamini na.

filiba jumɛn bɛ kɛ platifɔmuw fɛ n' u bɛ finɛtɛki don ɲɔgɔn na ?

filiba ye ka fɛnw hakɛ bila jɔyɔrɔ fɔlɔ la ka tɛmɛ baarakɛlaw ka ko kɛlenw kan. Nafolofɛn gɛlɛnw farali kan minnu bɛ baarakɛlaw ka taama jɔnjɔn tiɲɛ, o bɛna kɛ sababu ye ka u tali dɔgɔya. Jɛɲɔgɔnya ka kan ka kɛ i n’a fɔ a tɛ gɛlɛya ani ka baarakɛla ka gɛlɛya kɛrɛnkɛrɛnnen dɔ ɲɛnabɔ, min bɛ gɛlɛya.

Yala finɛtiri jɛ-ka-baara bɛ se ka baara kɛ B2B kɛnɛw kan ka ɲɛ i n' a fɔ B2C wa ?

A bɛrɛbɛrɛ. A ka c’a la, B2B jɔyɔrɔw bɛ cogo caman sɔrɔ ka tɛmɛn fɔlɔ kan, i n’a fɔ ka sarako baarakɛcogo, musakaw ɲɛnabɔli, walima fɛnw dilancogo wariko don porozɛw ɲɛnabɔli walima ERP siratigɛ la k’a ɲɛsin u yɛrɛ ma, ka jago baara bɛɛ nɔgɔya.

Modular business OS i n' a fɔ Mewayz bɛ fintech integration nɔgɔya cogo di ?

OS modulari bɛ wariko moduluw di minnu jɔra ka kɔn, minnu bɛ bɛn sariya ma (misali la, CRM, fatura, sarako) minnu bɛ ɲɔgɔn sɔrɔ cogo la min tɛ gɛlɛya. O bɛ mago bɔ ladamu yiriwali musakabaw la ani API ɲɛnabɔli gɛlɛn na, o b’a to jagokɛlaw bɛ se ka wariko fɛnw baara ni digi damadɔw ye.