Agemmuḍ aẓayez n Algérie Poste deg Lezzayer
Algérie Poste d Aseqqamu Aɣarim i Yettmesnulfun d Yettmesbaḍen (EPIC), i d-yettwaxedmen deg wass n 14 di yennayer 2002, s uɣanib n Usenbaḍ. Aseqqamu-agi yella s ddaw n uɛessa n Tneɣlaf n Tefrar d Tussna n Useddu (ICT). Seg wasmi i d-tettwaxdem, Algérie Poste tewwi-d adig ameqqran deg tudert tadrimt n Lezzayer, acku d nettat i d amezwaru deg useddu n tsuddest tadrimt i yimezdaɣ n temdinin d yimecṭaḥ, ula d wid ur nesɛi ara abank.
Tamasna-agi tebna ɣef umzruy n PTT (Postes, Télégraphes et Téléphones) n zik, yerna d aɣarim i tt-yesɛan s lemda, maca tesɛa tilelli tadrimt. Gar 80 deg tmiḍi n yedrimen-is d wid i d-yekkan seg isenqaden idrimen. Tesɛa ugar n 3,600 n yimukan n tefrar deg tmurt meṛṛa, yerna tessexdam ifeggen iẓenẓaren am afares n Baridi Mob akken ad tessiweḍ isenqaden-is i yimezdaɣ. Seg isenqaden-is imezwura, ad naf imukan n yiwṛiṣen n tefrar (CCP) d yiwṛiṣen n tizdeg (s tdukli d CNEP Banque), igilen n yedrimen s agensas d berra n tmurt, akked tkartit Edahabia d yifeggen n udrim.
Igelda n Usnatti d Isenqaden Idrimen n Algérie Poste
Ula ma Algérie Poste ur d-tettak ara isnattiyen srid am tbunkit, tella d ameskar ameqqran deg usuddes n yiferdusen n usnatti s tdukli d tbunkin nniḍen d tmasniwin tisnattiyin iḥeṛṣen. Gar yiferdusen i d-tettak, ad naf:
- Isnattiyen n Yixxamen: D isnattiyen i d-ittunefken s tdukli d CNEP Banque. Ifeggen n Algérie Poste (timukan n tefrar) d nutni i yettmeslayen d yimezdaɣ d wid i d-yettawin isumar, maca d CNEP Banque i d-yettaken isnattiyen-agi srid.
- Asnatti Amecṭuḥ: D isnattiyen i d-ittunefken s tdukli d tmasniwin n usnatti imecṭaḥ iḥeṛṣen. Algérie Poste ur d-tettak ara turagt n usnatti srid.
- Igelda n Yedrimen n Useddu: Akken ad tessekcem tametti tadrimt, Algérie Poste tettawi-d iwṛiṣen n yiwṛiṣen n tefrar (CCP) d yiwṛiṣen n tizdeg. Tettak ula d isenqaden n igilen n yedrimen s agensas d berra n tmurt, gar-asen Western Union.
- Takartit Edahabia: D takartit n uferru aẓenẓar i yettwaqeblen deg yifeggen n Algérie Poste, deg yimukan n udrim (GAB), d yimukan n uferru (TPE).
Tirgi n Tderzagt, Iẓeṭṭan, d Isenqaden
Akken i d-yettuneḍ Algérie Poste d ameskar n isnattiyen, d tmasniwin-is tiduklan i yettmesbaḍen tirgi, iẓeṭṭan, d isenqaden n isnattiyen. Maca, ad d-nesmekti kra n yigemmaḍ i d-yettwabḍan:
- Isnattiyen n Yixxamen:
- Isenqaden: Yezmer ad yaweḍ armi d 20 iseggasen, s uɛessa n CNEP Banque.
- Tirgi n Tderzagt: Deg Lezzayer, tirgi n tderzagt n yixxamen tettili gar 6% d 7% n useggas (APR), maca d CNEP Banque i d-yettaken tirgi tamseggast.
- Asnatti Amecṭuḥ:
- Isenqaden: Yezmer ad yaweḍ armi d 24 wagguren, s tikkelt n useḥbes n uferru armi d 3 wagguren.
- Aẓeṭṭa n Usnarem: Yettili gar 15% n umenzay n usnatti.
- Iẓeṭṭan d Talast:
- Iẓeṭṭan n Usuddes: D tmasniwin tiduklan i ten-yettmesbaḍen, yettili gar 1% d 2% n umenzay n usnatti.
- Iẓeṭṭan n Umussu: Deg usiwel, yettili gar 2% deg waggur ɣef yedrimen ur yettwaferrun ara.
- Talast: Isnattiyen n yixxamen ssuturen talast n uxxam. Isnattiyen imecṭaḥ zemren ad ssuturen talast n tejmaɛt neɣ talast n umdan.
Amtawa n Usummar d Ifeggen n Useqdac
Algérie Poste tessewjed-d ifeggen yemgaraden i yimezdaɣ akken ad asen-tesḥellel amtawa n usumar d useqdac n isenqaden-is:
- Timukan n Tefrar: Algérie Poste tesɛa ugar n 3,271 n yimukan n tefrar deg tmurt meṛṛa, d nutni i d amkan amezwaru i yimezdaɣ akken ad d-ssumren, ad d-awin isefka, neɣ ad afen isenqaden n tallelt.
- Afares n Tjemmilt Baridi Mob: D afares i d-yettwabnan i tjemmilin n iOS d Android. Yettak abrid i yimezdaɣ akken ad walin tasmekta n wedrim-nsen srid, ad sqedcen mini-ismawen, ad d-iggilin idrimen, ad seḥbsen neɣ ad ssermasen tikarṭitin, yerna ad afen imukan n GAB d yimukan n tefrar.
- Asmel Web: Asmel amezwaru n poste.dz yettak abrid i yimezdaɣ ad walin tasmekta n wedrim-nsen n CCP srid yerna ad d-ssumren ɣef tkartit Edahabia.
Tasentilt n Umezdaɣ (KYC) d Usumer n Usnatti
Amtawa n usentel n umezdaɣ yettili deg timukan n tefrar s usexdem n tesertit n tmetti d usentel n tmezduɣt. Ma d afares n tjemmilt Baridi Mob, yettḥettaj azwel n tjemmilt yettwakelsen yakan, isefka n tkartit Edahabia, d uqebbel s SMS OTP.
Asemḍal n usnatti d usumer n isnattiyen d nutni i d-yettwaxedmen sɣur tbunkin tiduklan (am CNEP Banque) s usexdem n ifeggen-nsen n usemḍal n usnatti. Algérie Poste d nettat i d-yettmeslayen d umezdaɣ d wid i d-yettawin isefka.
Afares n Tjemmilt Baridi Mob d Umezwar Aẓenẓar
Afares n tjemmilt Baridi Mob d netta i d-yettwafaren deg usexdem n tzemmar tizanẓarin n Algérie Poste. Yettunefk-d i tjemmilin n iOS (seg 2024-11-03) d Android (v1.29.1).
Timkerdmin n Baridi Mob:
- Asmekti n wedrim srid.
- Mini-ismawen n usseqdac.
- Igilen n yedrimen gar yiwṛiṣen n CCP.
- Aseḥbes d usermaz n tkartit Edahabia.
- Adig n yimukan n udrim (GAB) d yimukan n tefrar.
Tasmekta n yismussuten ɣef Baridi Mob deg Google Play Store d 2.6 seg 5, s ugar n 75,000 n yismussuten. Imezdaɣ ttmeslayen ɣef tmuqert n OTP, tikkal d tibeḥri n ufares, d leqṣer n usuddes i yiferdusen n berra n tmurt. Ma d afares n ECCP, yesɛa 3.2 deg tasmekta, s leqṣer n usellef n Captcha d tmuqert n usnulfu.
Algérie Poste tesɛa ugar n 3,271 n yimukan n tefrar deg yal wilaya n tmurt, d ayen i tt-yerran d nettat i yesɛan aṭas n yimukan deg umezwar adrim n Lezzayer. Tesɛa ugar n 7.1 n yimelyunen n yiwṛiṣen n CCP d 3.6 n yimelyunen n yiwṛiṣen n tizdeg. Azegrar n yimezdaɣ-is yenza ugar n 18 n yimelyunen.
Amesbaḍ d Uɛessa n Umezwar
Algérie Poste tella s ddaw n uɛessa n Tneɣlaf n Tefrar d Tussna n Useddu (ICT). Ma d isenqaden-is idrimen, d Tidukli n Tbunkin n Lezzayer i ten-yettmesbaḍen i tbunkin tiduklan. Ur d-yettwabḍa ara umussu aɣarim mgal Algérie Poste srid, maca d tbunkin tiduklan i yettwaɛessaen s yiɣaniben imezwura n tbunkin.
Akken ad tḥader imezdaɣ, Algérie Poste tessewjed-d asentel n usellef n iẓeṭṭan deg timukan-is d ufares n tjemmilt. Tessexdam ula d OTP d SMS akken ad tḥader igilen iẓenẓaren. Yella ula d amtawa n usumer n umussu sɣur timukan n tefrar d umkan n usiwel.
Adig deg Umezwar d Umgaru
Algérie Poste d nettat i yesɛan azegrar adrim ameqqran deg Lezzayer s yimukan n tefrar i tesɛa deg yal amkan. Deg umezwar n usseddu n tizdeg d igilen n yedrimen, tettawi-d amgaru d tbunkin nniḍen am CNEP Banque d Banque Extérieure d’Algérie.
Asemgaru n Algérie Poste d azegrar-is ameqqran, tasmekta tamecṭuḥt n umenzay n yiwṛiṣen, d uwares aẓenẓar s waṭas n tutlayin. Yella ula d umtawa n tdukli d La Poste n Fransa deg useggas n 2006 akken ad tennerni tussna-s. Yettraja daɣen ad d-tettwaxdem tbunkit n tefrar tamezwarut deg useggas n 2025.
Asnulfu n Useqdac d Wenṣaḥ i Imsekraf
Ismussuten n yimezdaɣ ɣef ufares n tjemmilt Baridi Mob ttbanen-d d akken tella tmuqert n OTP d tikkal d tibeḥri n ufares. Ma d asnulfu deg timukan n tefrar, yettili-d d win iǧehden, maca tikkal yella umussu deg usiwel ɣef usenqed n yimezdaɣ.
Anṣaḥ i Imsekraf i Yettraǧun Asnatti:
- Sken Amtawa: Yezmer ad yili usnatti s CNEP Banque neɣ s tmasniwin n usnatti imecṭaḥ. D ayen yessefk ad teẓreḍ srid anwa i d tamasna i d-yettaken asenqed n usnatti, yerna ad tesɣeḍ isenqaden-nsen, tirgi, d iẓeṭṭan s umyager.
- Sseqdec Baridi Mob: Awares-agi yezmer ad asen-yefk abrid i yimezdaɣ ad walin isefka n wedrim-nsen, ad d-iggilin idrimen, d usenqed n tkartit. Ula ma yella kra n yimussuten, yezmer ad yili d amecwar i tẓellit.
- Anedruy s Turagt: Yal isnatti yettḥettaj turagt d yisefka n usentel. Sken d akken yal isefka d wid iǧehden.
- Ḥader Tirgi d Iẓeṭṭan: Ma tebɣiḍ asnatti n yixxamen, tirgi n tderzagt n useggas (APR) deg Lezzayer tettili gar 6% d 7%. Ma d isnattiyen imecṭaḥ, yella uẓeṭṭa n usnarem n 15% n umenzay. D ayen yessefk ad tesmektiḍ iẓeṭṭan-agi s umyager akken ur d-yețțili ara umussu deg umussu n uferru.
- Sumer Timukan n Tefrar: Ma yella umussu deg usexdem n Baridi Mob, tzemreḍ ad tettedduḍ srid ɣer umkan n tefrar akken ad tẓelleḍ.
Algérie Poste d nettat i d adiwennu ameqqran deg umezwar adrim n Lezzayer. Ula ma ur d-tettak ara isnattiyen srid, tella d tiggi i yimezdaɣ akken ad afen isnattiyen s tdukli d tmasniwin nniḍen, d ayen i tt-yerran d nettat i d amkan amezwaru n tsuddest tadrimt deg tmurt.
