Natixis DZ

Tidmi Tamatut d Umezruy n Natixis DZ Deg Lezzayer

Natixis Algérie, neɣ Natixis DZ, d adeg n teflutt n teflutt tafrensist Natixis, yettekkid deg Lezzayer si useggas n 1999. D nettat i d tanezduɣt tamezwarut tafrensist i yelmudden iqeddcen-is deg tmurt n Lezzayer. S tmerna n yiseggasen, Natixis DZ tekkes-d iman-is s usefti n usuddes-ines deg snat n tɣulin timeqqranin: tanezduɣt n tkebbanit d usenser n TKMI (Tikebbanin Timecṭuḥin Timedyanin), akken daɣen tessaweḍ ad tessebded tamezduɣt tasufayt i yimezdaɣ, Banxy, deg yebrir n 2018.

Adrim amezzwaru n Natixis Algérie d 20 000 000 000 DZD, tettwassen d Takemmaḍt s Teḥṣarin (SPA). Axxam-is amezzwaru yella deg Lezzayer tamaneɣt, deg Bab Ezzouar. S usenqed amaynut, Natixis DZ tḥuza-d imezdaɣ s yifarisen-is isufay n Banxy, i yettakken afud i yisefra d iɣsan s telfunt war a d-teddu ɣer tenzduɣt.

Ifarisen d Tiwsiwin n Yiseɣlan I Yettak Natixis DZ

Am wakken i d-nettuɣal deg tidmi n Natixis DZ, tkebbanit-a tettak afud i snat n tɣulin timeqqranin n iserfan:

• Iseɣlan n Tekebbanit d TKMI:
  • Adrim n Tɣara d Usenser n Tnezzuyt: Natixis DZ tettak iserfan i tkebbanin timeqqranin d TKMI akken ad ḍebbent afray n yedrimen-nsent. Deg waya, llan yiseɣlan n yedrimen n tɣara, akked d tiwsiwin n usenser n tnezzuyt am tirawt n teḥbult (letters of credit) d usnejmaɛ n yisegdal. Tiwsiwin-a sṭuqqulent afray n tnezzuyt n tkebbanit s waddad n yedrimen.
  • Asenser n Iseddal d Imukan: Tettak daɣen iserfan i usenser n iseddal d yimekwan, d ayen i yefkan afud i isegdal imeẓliyen n tkebbanit. Maca, isertiyen d iɣdaren n yiseɣlan-a ur d-ttwabedren ara s wafray i umatu.
• Ifarisen n Useqdac Amatu (Banxy):
  • D ayen n llsas i yettwafhamen, Banxy, tanezduɣt tasufayt n Natixis DZ, ur tettak ara iserfan n useqdac amatu neɣ n umdan. Asefti-s yella ɣef yisefra n yedrimen, iɣsan n telfunt, akked d tikarti n Visa i yettwaḥeqqen s telfunt. Ifarisen-a d wid i yettaken afud i yimezdaɣ ad sɛun afray aḥerfi ɣef yedrimen-nsen deg tnezzuɣt.

Ilzem ad d-neqqar belli Natixis DZ tbeddel deg waddad n iserfan s usenqed n Banxy, i yettaken tiwsiwin tisufayin n usefra d iɣsan, maca ur d-temlil ara kra n usuter n iserfan i yimezdaɣ deg wakud-a.

Iɣdaren, Tuqqna d Isertiyen N Natixis DZ

Iɣdaren d tuqqna n Natixis DZ ttemxallafen s usenqed n ufaris. Kra n yimeslayen d wid i yettwafhamen:

• Amsayen n Ukunti: Tuqqna n ussayen n ukunti n usayez (chequing account) d 420.17 DZD yal tlata wagguren, mbla TDA. Isefra n ukunti n usilel (savings accounts) d ilelliyen.
• Aferrek s Wafray Amellal (RTGS): Tuqqna n uferrek n yedrimen s wafray amellal tetteddu seg 1 000 DZD ar 11 900 DZD, s usenqed n lqedd n yedrimen d tmuɣli.
• Igduyen n Usilel: Ukunti n usilel yettak igduyen n 3.25% deg useggas. D ayen yelhan i wid yettraǧun ad ddmen afud deg usilel-nsen.

Iɣdaren d isertiyen n iserfan n tkebbanit d TKMI ur d-ttwabedren ara s wafray. S umata, iserfan n tkebbanit d wid i yettwagganen s usenqed n kra n yisegdal neɣ tabaɣurt n tenzduɣt. Iwakken ad tessineḍ s telqayt ɣef iserfan-a, ilzem ad tessiwleḍ srid ɣer Natixis DZ.

Tarrayt n Usuter d Yimenqasen

Tarrayt n usuter deg Natixis DZ ttemxallaf s usenqed n umkan (tkebbanit neɣ amdan):

• Imezdaɣ (Banxy):
  • Assekles n ukunti n Banxy d asufay srid s tasnadt n telfunt (iOS & Android).
  • Yettwanefk-d ad teṭṭfeḍ tusawalt n wudem-ik (video-selfie) akked d tsuqqas n yisefka n tḥuǧǧa (ID, adris).
  • Ur yella ara d awezɣi ad d-tedduḍ ɣer tenzduɣt.
• Tkebbanin:
  • Tarrayt n usuter n tkebbanit tettegḍa s usuter n isefka deg tenzduɣt.
  • Ilzem ad d-tettwaṭṭef imeslayen n tkebbanit, idanti n yimḍebbren, d unekcum n udris n yimekwan deg 21 n wussan seg usuter asufay.

Tasnadt n Telfunt (Banxy) d Aseggem n Useqdac

Tasnadt n Banxy d llsas n tiwsiwin n Natixis DZ i yimezdaɣ. Tella deg iOS d Android, s ugar n 500 000 n yisumran. Agemmuḍ-is d 3.1-3.2 deg 5, seg ugar n 7 400 n tezrawin.

Timaragin n Tasnadt:

• Afray srid: Yettak afud i useqdac ad yeẓẓer adrim-is deg ukunti srid.
• Aferrek n yedrimen P2P: Aferrek n yedrimen gar yimezdaɣ n Banxy s ttawil.
• Ikuntiwen s waṭas n yedrimen: Afud ad tesɛuḍ ikuntiwen s yemxalafen n yedrimen.
• Tikarti n Visa s usuter s telfunt: Aseqdac n tkarti n Visa i yettwaḥeqqen s telfunt.
• Imeslayen ilektroniyen: Tamendawt n yimeslayen n ukunti srid ɣer telfunt.

Aseggem n Useqdac:

Imezdaɣ ssawalen ɣef ttawil n ussekles n ukunti s telfunt. Maca, llan kra n yigiten i d-yeskanayen asfel n tasnadt yid-s, akked d lqedd ameẓyan n yifarisen i yettaken. Deg umata, d tasnadt i yelhan i usenqed n yedrimen, maca ilaq ad tmer yimenzayen-is.

Talɣa Tasudrist d Turagt n Usuddes

Natixis Algérie d tanezduɣt i yettwaṭṭfen sɣur Taneqqaḍt n Lezzayer seg useggas n 1999. D Takemmaḍt s Teḥṣarin (SPA) i yettwaḥeqqen s usuddes n yedrimen deg tmurt.

• Tabaɣurt: Tettabaɣ Taneqqaḍt n Lezzayer deg yisudran-is d yimalen-is. Tettabaɣ daɣen azref n Lezzayer 18-07 ɣef usḥamu n isefka n umdan, akked d GDPR n Uruppa. Tesɛa amḍebber n usḥamu n isefka.
• Iqeddcen: Ur yelli ara d awezɣi ad d-neqqar belli Natixis DZ teḥkaḍ i kra n yigiten n usuddes yellan deg tmeẓla.
• Asḥamu n Yimezdaɣ: Tettak afud i usḥamu n yimezdaɣ s usenqed n yimeslayen isufayen, asenqed n tuqqna, d usentel n yigiten n yimezdaɣ 7 n wussan deg ddurt.

Tiɣriwin n Yimezdaɣ d Umkan Deg Ssuq

Deg tɣult n tenzduɣt n tkebbanit, Natixis DZ tella gar tenzduɣin tiberraniyin timeqqranin deg Lezzayer. S Banxy, tella d tamezwarut deg usuddes n tenzduɣt tasufayt s telfunt deg tmurt. Adeg-is yella s usenqed n umer n Agraw BPCE deg tnezzuyt tagraɣlant d usenser n yedrimen.

• Tiɣriwin n Yimezdaɣ: Imezdaɣ n Banxy ttaken afud i ttawil n ussekles n ukunti. Maca, ttaken daɣen tiɣriwin ɣef asfel n tasnadt deg kra n wakuden, akked d lqedd ameẓyan n yifarisen.
• Inegguren: Deg tɣult n tenzduɣt n tkebbanit, inegguren-is d Société Générale Algérie d BNP Paribas El Djazaïr. Deg tɣult n tenzduɣt tasufayt i yimezdaɣ, inegguren d tiflas n CIB.
• Tameẓla: Natixis DZ tettwaẓla s usenqed n umkan-is amezzwaru deg tenzduɣt tasufayt, akked d usenqed n umer n Agraw BPCE i d-yettaken afud i tnezzuyt d usenser n yedrimen deg umaḍal.

Anasiḥ Amesraf i Wid Yettraǧun Ad Ddmen Iserfan

Am wakken i d-nebder, Natixis DZ tetteddu deg snat n tɣulin timeqqranin, s yemxalafen n iserfan:

• I Tkebbanin d TKMI:

  • Aɣrem n Usawal Srid: Ma yella d takemmaḍt neɣ TKMI, d ayen yelhan ad tessiwleḍ srid ɣer Natixis DZ akken ad tessen iserfan i d-tefka i usefti-k. Iserfan n tɣara, asenser n tnezzuyt, d usenser n iseddal d wid yellan, maca ilaq ad tessen isertiyen-nsen s telqayt.

  • Azraw n Isertiyen: Qbel ad ddemḍ kra n usraf, azraw s telqayt isertiyen, iɣdaren, d tuqqna i yettwanefken. Ttraǧu ad tessen amkan n yedrimen d wamek ad tḥulmeḍ.

• I Yimezdaɣ (Banxy):

  • Ur Tettenṭṭil ara Iserfan: D ayen yelhan ad d-negger belli Banxy ur tettak ara iserfan n useqdac amatu neɣ n umdan deg wakud-a. Asefti-s d isefra, iɣsan, d tikarti n Visa. Ma yella teḥwaǧeḍ asraf n umdan, ilaq ad tḥulmeḍ ɣer tenzduɣin nniḍen i yettaken ifarisen-a.

  • Aseqdac n Timaragin n Banxy: Ma yella tebɣiḍ ad tesɛuḍ tanezduɣt tasufayt i usefra d iɣsan, Banxy d ayen yelhan s ttawil n ussekles-is. Tettak afud i usenqed n yedrimen srid, aferrek n yedrimen P2P, d usilel n yedrimen s igduyen n 3.25%.

  • Afray n Usenqed: Zewweṛ s yimenzayen n Banxy, acku llan kra n yigiten n asfel n tasnadt. Ttraǧu ad tessen isudran n usḥamu n isefka n umdan.

S umata, Natixis DZ tettak afud i tkebbanin d TKMI s iserfan n tenzduɣt, ma d Banxy, tadart-is tasufayt, d tiflit i yimezdaɣ i yebɣan ad ɛiwlen iman-nsen s telfunt deg tɣult n isefra d iɣsan. D ayen yelhan ad tessen timxallafin-a akken ad tḥulmeḍ s ufran yelhan i yiman-ik neɣ i tkebbanit-ik.