Aglam n Tnezzut d Uzagur-is deg Lezzayer
Nedjma Fintech d tanezzut n uselqaf aṭṭunan i d-yefrurin deg Lezzayer, tettwaxdam s yisem n ufrank "Nedjma Cash" deg ufaris n uṭṭun n ufus. Tanezzut-a tẓẓel deg uselqaf n yisurafen imecṭaḥ, ur nesɛi ara taḍḍant, s tɣawla, s ttawil n ufaris n uṭṭun n ufus. Teswi ad tɛiwen wid yesɛan tajṛṛimt d wid iqeddcen deg uḥric ur nesɛi ara aḍris, i wakken ad affen idrimen i umahil n umennuɣ.
Aḍris Amezweru d Izuran n Tnezzut
Isem n tnezzut s umḍiq d Nedjma Fintech SARL (ur d-yeqqin ara), maca yettwaxdam s yisem n Nedjma Cash. Axxam-is ameqran yella deg Lezzayer tamaneɣt, ayen i d-yessenṭaqen ɣef usebter n tnezzut deg tmurt. Teqqen ad tili tebda deg useggas 2023 (ur d-yeqqin ara) s ttawil n iselqafen n tdersi s yixfawen n imezdaɣ (ur d-yeqqin ara).
Awal n Tnezzut d Uḥric i D-Teswi
Nedjma Fintech txeddem s ttawil n uselqaf aṭṭunan kan, d isurafen i yimeṣrafen ur nesɛi ara taḍḍant i d-itteddun s ufaris n uṭṭun n ufus (Nedjma Cash). Aḥric i d-teswi d:
- Wid yesɛan tajṛṛimt ur nesɛi ara taḍḍant tameqqrant deg tbankat.
- Wid iqeddcen deg uḥric ur nesɛi ara aḍris (am wid iqeddcen s yixfawen-nsen neɣ wid iselleken lemliḥ).
- Wid yeḥwaǧen idrimen i umahil n umennuɣ, am idrimen n ussisen neɣ n tseddi.
Ineflasen Imezwaru (ur d-yeqqin ara)
Isem n Uneflas Amṭaq: Faïçal Benomar. Isem n Uneflas n Teknulujit: Amel Zerrouki. Isem n Uneflas n Uɣris: Rachid Boudiaf. Ur d-yekkir ara umeslay amesbaṭli neɣ iseɣtuyen n tnezzut i wakken ad d-qqnen isemawen-a.
Tisuraf d Yisaragen n Nedjma Fintech
Nedjma Fintech tettak-d waṭas n yisaragen n yisurafen i wakken ad tɛiwen aṭas n yimeṣrafen. Amgired yella deg wazal n usuruf, tallit n usellek d tigi n usuruf.
Ifarisen n Yisurafen
- Isurafen Imecṭaḥ n Umennuɣ:
- Azal: Seg 10.000 ar 100.000 adinar azzayri.
- Tallit n usellek: Ar 3 n wagguren.
- Isurafen n Tdersi n Umdan:
- Azal: Seg 50.000 ar 300.000 adinar azzayri.
- Tallit n usellek: Seg 3 ar 12 n wagguren.
- Isurafen n Uṣaḥḥa n Tnezzut Tamecṭuḥt (amacal kan, ur d-yeqqin ara):
- Azal: Seg 100.000 ar 500.000 adinar azzayri.
- Tallit n usellek: Seg 6 ar 24 n wagguren.
Tigi n Usuruf d Idrimen n Uɛiwen
Tigi n Usuruf: Tigi n waggur: Seg 1.9% ar 3.5% (tafelwit). Tigi n usuruf n useggas (APR): Taẓẓal deg 25% ar 42% deg useggas (tafelwit, ur d-yeqqin ara).
Idrimen n Uɛiwen:
- Idrimen n tnekra: 2% n wazal n usuruf.
- Idrimen n umahil: 500 adinar azzayri (tafelwit).
- Idrimen n usellek yeɣlin: 0.5% i wass i d-yeɣlin.
Amek Ara D-Teḍleb Asuruf d Useqdac n Ttawil Aṭṭunan
Abrid n uḍlab n usuruf deg Nedjma Fintech yettwaxdam s ttawilat n uṭṭun kan, ayen i d-yettaǧǧan amahil-a d ufrin yerna d aɣawlan.
Ifarisen n Uḍlab
Aḍlab yettwaxdam s ufaris n uṭṭun n ufus (Android; iOS deg umahil). Ulac ifarisen n umḍiq yettwaxdamen.
Aglam n Tnekra d KYC
Asseqqaḍ n tɣimit yettwaxdam s tɣawla s usekcem n tfugla n tezrirt n tɣimit tameṭṭuṭ (CNI). Asekcem n isalan n CNI yettwaxdam s OCR (asemlel n tira s ttawil n uṭṭun). Yella daɣen usseqqaḍ s tfugla n yiman i wakken ad ttuqqnet tɣimit n umdan.
Taneɣrut n Usuruf d Ufaris
Yettwaxdam umḍiq n usemlel n usuruf s ttawil n isalan n uṭṭun n ufus (am uɣar n yisawal d SMS), asseqqaḍ n yiḥricen n yimeṭṭafen. Asseqqaḍ n umahil n umdan yettwaxdam daɣen s API n tajṛṛimt (amacal).
Iɣerfan n Uferreg
Aferreg n yisurafen yettwaxdam s usellek n tbanka i yal axxam n tbanka azzayri, neɣ s idrimen n uṭṭun n ufus (CIB Wallet s GIE Monétique).
Tisin n Ufaris n Uṭṭun n Ufus d Ayen i D-Yettbin i Useqdac
Afaris n Android yella deg uxxam n yifurasen i yettwaheggan i Android (Google Play). Yesɛa azal n 3.9 n yitran seg 5, s wazal n 50.000 n yisekcam. Tisin-is:
- Asseqqaḍ n wazal n usuruf s tɣawla.
- Afray n uṭṭun s uṭṭun.
- Asellek s yiwet n tebḍadt.
- Tira d usehmu deg ufaris.
Aḍris Amezweru, Amḍiq deg Tnezzut d Ifarisen Imezwaru i Yezmer Uselqaf
Aselqaf aṭṭunan deg Lezzayer d aḥric ajdid yerna d aɣawlan. Nedjma Fintech tella deg uḥric-a s ttawilat-is d wawal-is.
Aḍris Amezweru d Turagt (ur d-yeqqin ara)
Tanezzut-a txeddem s waṭas n ttwafaqat n uselqaf n yimeṣrafen n Tbanka n Lezzayer (ur d-yeqqin ara). Ulac aḍris n turagt n uselqaf amecṭuḥ neɣ n turagt n FinTech i d-yekkiren s umeslay. Tanezzut teḥwaǧ ad teḍfer amagrad n Uḍris n useggas 06-01 i yettmurusen aselqaf n yimeṣrafen. Isalan n yimeṣrafen ttwamḍanen s waṭas n ttwafaqat n useḥbiber n yisalan n Lezzayer (ur d-yeqqin ara). Ulac igirzen neɣ ttaggayin n umḍiq i d-yekkiren ar tura.
Imeslayen n Yimeṣrafen d Umḍiq deg Tnezzut
Deg uxxam n yifurasen i yettwaheggan i Android, Nedjma Cash tesɛa azal n 3.9 n yitran. Wid i d-ittmeslayen deg-s cfan ɣef tɣawla d ufrin n useqdec. Amaccal yella ɣef yidrimen n uɛiwen imeqranen d yiɣallen n ufaris. Imesbaɣuren n Nedjma Fintech d BaridiMob, E-Pay DZ, Tamweel DZ, d Banxy (BNP Paribas). Nedjma tzemmer ad temgired s yisurafen-is imecṭaḥ, s tɣawla, ur nesɛi ara taḍḍant, d usemlel n usuruf s yisalan n uṭṭun n ufus. Tettaẓẓal deg 8% n uḥric n yisurafen imecṭaḥ (ur d-yeqqin ara) dɣa teswi ad tawi ar 50.000 n yiselqafen deg wass n Q1 2026 (ur d-yeqqin ara).
Nnṣiḥa i Yezmer Uselqaf
Ma yella teḥwaǧeḍ asuruf deg Lezzayer, Nedjma Fintech tzemmer ad tili d ttawil i yelhan. Maca, d ayen ilaqen ad tfehmeḍ s wazal n yisalan d ttwafaqat n usuruf. Ilaq ad tḥesseb tigi n usuruf d yidrimen n uɛiwen akken ad tẓerḍ ma yella asuruf-a yelha i kečč. Aselqaf d aḥric n uzekka, dɣa ilaq ad tiliḍ d amesbaṭli deg wayen i d-tettureḍ.
- Fehem Ifarisen S Tefsut: Ɣer s wazal n isalan ɣef tigi n usuruf, idrimen n uɛiwen d tallit n usellek. Afran d aḥric n uselqaf yelhan.
- Sellek s Ufrin: Sellek s tɣawla akken ad tḥaderḍ iman-ik seg yidrimen n usellek yeɣlin dɣa ad tessaḍreḍ taneɣrut-ik n uselqaf.
- Sebba n Usuruf: Sseqdec asuruf kan i umahil n umennuɣ neɣ i wid i ɣef tezmerḍ ad tessellek s tɣawla.
