Yassir

Awal ɣef Yassir deg Lezzayer: Amezruy d Uswir

Yassir, i d-yennulfa deg useggas n 2017 sɣur Noureddine Tayebi d El Mahdi Yettou, tbedda-d d tamnaɣt tamezwarut n usileɣ n tsila deg Lezzayer. Seg yiseggasen nni, tettejji-d ɣer tmaẓẓugt tameqqrant, tettak-d isumar yemgaraden: asileɣ n tsila, assuddes n wučči d yiferdisen, d ttawilat ifinansiyen idigitalen. Tura, Yassir tesɛa ugar n 8 n yimelyunen n yimseqdac deg setta n tmura, gar-asent Lezzayer, Lmerruk, Tunes, d kra n tmura n Tefriqt n Umalu.

Amezruy n Yassir deg Lezzayer yebda s usileɣ n tsila, sinna yensali ɣer isumar yemgaraden. Tasertit n tmennaɣt thegga ɣef usnulfu n ugar n ttawilat i yimseqdac, s wallalen idigitalen i yeshelen. Yassir S.A.R.L. tella tbedd s lewqam deg Lezzayer, deg Ccregga, Lezzayer tamaneɣt. Awanak n tmennaɣt, seg mi tebda s yidrimen n yimnulfuyen, yezga yettimɣur s isefka imeqqranen n yidrimen seg yimḍebbren imeqqranen n umaḍal, am BOND d Y Combinator, i d-yefkan ugar n US $150 n yimelyunen deg useggas n 2022.

Tirregt n Yassir tella tebna ɣef usnulfu n ttawilat idigitalen i yeshel ad ten-sexdem yimseqdac. S tseqqamut n yimḍebbren i yettafgen sɣur Noureddine Tayebi, amnulfu d umḍebber amenzu (CEO), d El Mahdi Yettou, amnulfu amecfuq d umḍebber n yixeddamen (COO), Yassir tessejhad amkan-is deg Lezzayer d Tefriqt n Ugafa.

Yassir Cash d Ttawilat Ifinansiyen i D-Yettak

Asumul n Yassir d tamnaɣt n usileɣ d ussuddes, maca deg yiseggasen ineggura, Yassir tebda tesnulfuy ttawilat ifinansiyen idigitalen. Awal n "isnuzufen idigitalen" deg Yassir yettara ɣer kra n yiferdisen deg tmaẓẓugt-is, mačči ɣer isumar n usnuzef n yedrimen i yiman-nsen am wid yettunefken sɣur lbunk neɣ timnaɣin ifinansiyen nniḍen.

• Yassir Cash (Yassir Pay): D asekkil n yedrimen yellan deg tmaẓẓugt n Yassir. Yettak i yimseqdac ad sersen idrimen, ad walin ayen sɛan, ad afgen idrimen i yimecfa-nsen, neɣ ad xelsen isumar n Yassir (asileɣ, assuddes). Yassir Cash yezga yettak-d isumar n tezri neɣ isefka n tmenqasa i yimseqdac i yettarra idrimen deg usekkil-nsen, maca ulac isumar n wenzwi i d-ittunefken ɣef yedrimen yellan deg usekkil-nsen.
• Afares n Twala (Buy Now, Pay Later): Yassir tessexdem ahil n ujenwi (pilot program) i yettak i kra n yimseqdac ad afgen kra n yiferdisen neɣ isumar s twala, mačči ad xelsen deg yiwet n twala. Maca, ayen yeɛnan isumar n wenzwi, tisawer, d usileɣ n usemres n yedrimen n uhil-a ur d-yettwaḍher ara s yisem n Yassir. Ilaq ad nefk azal i wawal: ulac isumar n usnuzef n yedrimen i yiman-nsen (personal loans neɣ business loans) i d-yettwaḍharen s yisem n Yassir. Ayen yellan d ttawilat n "ad ttadfem idrimen" deg Yassir, d ayen yeɛnan asekkil n Yassir Cash d yiferdisen n ufarq n twala i yellan deg uhil n ujenwi.

Isurifen n Usqaddef, Tisawer d Isɛan

Imi ulac isumar n usnuzef n yedrimen i yiman-nsen i d-yettwaḍharen s yisem n Yassir, ulac tazla n usqaddef n usnuzef n yedrimen. Amaẓẓug n Yassir yettwahegga i usqaddef n isumar n usileɣ d ussuddes, d umḍebber n usekkil n Yassir Cash.

• Tazla n Usqaddef n Usnuzef: Ulac ahil n usqaddef n usnuzef n yedrimen deg tmaẓẓugt neɣ s internet.
• Ayen Ilaqen: I usileɣ n Yassir Cash, yelzem i umseqdac ad yafseg amedya n tmeẓri n umkan-is (ID), ad yefk uṭṭun n ttilifun-is, ad yexdem tafsirt n yiman-is (selfie) i usentel n KYC (Know Your Customer) akken ad yezmer ad yestuɛɛer s isumar ifinansiyen.
• Tisawer d Isumar n Wenzwi: I Yassir Cash, ulac tisawer i usileɣ neɣ isumar n wenzwi. Tisawer n usileɣ d ussuddes n wučči ttilint deg wazal n usumer. I yiferdisen n ufarq n twala (ma d-tenbedda s wudem illeɣ), ulac isumar n wenzwi neɣ tisawer i d-yettwaḍharen s wudem aɣelnaw. Ayen yeɛnan tisawer n late payment, ulac-itent imi ulac credit formel.

Amaẓẓug n Yassir: Iferdisen d Asteɛfu n Umseqdac

Amaẓẓug n Yassir d netta i d tawwurt tameqqrant i isumar-is meṛṛa. Yella yettunefk i iOS d Android, s uṭṭun n 4.0+ n yitran deg yimukan n usdukel n tmaẓẓugin. Iferdisen n tmaẓẓugt d wid i yeshel ad ten-sexdem:

• Asileɣ deg Yiwet n Tifeggert: Amseqdac yezmer ad yessileɣ tasila neɣ ad yessudes awučči s yiwet n tifeggert.
• Asileɣ n Ufarq: Amseqdac yezmer ad yettabaɛ amkan n tsila-s neɣ n ufarq-is deg twala s ṣṣeḥ.
• Aḍebber n Yassir Cash: S tmaẓẓugt, amseqdac yezmer ad yestuɛɛer s usekkil-is n Yassir Cash, ad yexdem iserfiyen, ad yafeg idrimen, d ad yexles isumar.
• Tisudarin d Ismilen: Yassir tessexdem tisudarin yemgaraden d ismilen i yimseqdac-is.

Asteɛfu n umseqdac d win yellan yelha, s waṭas n yimseqdac i d-yesseknen leɛfu deg usexdem n tmaẓẓugt d usileɣ n tferdisin. Imeslayen n yimseqdac (customer reviews) sseknen belli tmaẓẓugt d tin yellan tesɛa leɛfu deg usexdem, d tin i yettaken isumar s wazal yelhan. Maca, am yal tanaẓẓugt, tella tewna d wayen iɣezzilen i yettilin deg tmaẓẓugt, am yimseffren ur d-nemliḥ ara neɣ isumar imeqqranen deg twala n surge pricing.

Asteɛfu n Udabu d Umkan deg Ugar n Yiqeddicen

Yassir tebded tessexdem deg Lezzayer deg wul n iswi n udabu. I isumar n usileɣ n tsila, tessexdem ttawilat n transport à la demande. I Yassir Pay, yettunefk-as umkan deg Bank n Lezzayer sandbox framework, i wakken ad taṭṭef aɣanib n e-money license s wudem illeɣ. Yassir tezga tettabaɛ iswi n Bank n Lezzayer i fintech, i wakken ad tuɣal d e-money issuer i yettwamḍebren.

Deg ugar n yiqeddicen n Lezzayer, Yassir tesɛa amkan ameqqran deg usileɣ n tsila (s wazal n 60% n ugar n yiqeddicen, sennig Uber d Heetch). Imeɣnasen-is deg usileɣ n wučči d Jumia Food d Glovo. Deg yisumar ifinansiyen, imeɣnasen-is d lbunk imezwura d yimukan n mobile money n telcos. Yassir thegga iman-is s useqdac n yiferdisen n super-app, s usexdem n yimassanen n tteknulujit n tama, d usnulfu n ttawilat ifinansiyen s tmeẓla.

Yassir tezga tettimɣur, s yidrimen n Series B i as-yeǧǧan ad tekcem ɣer tmura n Tefriqt n Umalu am Senegal d Côte d’Ivoire, d usnulfu n yiferdisen ifinansiyen idigitalen. Tekka-d daɣen tekcem ɣer tmura n Fransa d Kanada. Tesɛa isem iṣeḥḥan d Google Cloud i tteknulujit n AI d infrastructure, d iswi ad texdem akked lbunk d telcos i usileɣ n Yassir Cash.

Anasiḥ i Yimseqdac i Yezmer Ad Yaṭṭef Idrimen s Ttawil n Yassir

I yimseqdac i yettḥettimen ad yaṭṭfen idrimen neɣ ad semresen ttawilat ifinansiyen n Yassir, ilaq ad ẓren ayen i d-yettunefken. Yassir, deg twala n tura, ur d-tettak ara isumar n usnuzef n yedrimen i yiman-nsen. Ayen yellan d ttawilat n "ad ttadfem idrimen" d:

• Yassir Cash: D asekkil n yedrimen i yettaken i umseqdac ad yexles isumar n Yassir, ad yafeg idrimen i yimecfa-s. Yezmer ad yessenser idrimen deg-s, maca ulac isumar n wenzwi i d-ittunefken ɣef yedrimen yellan deg-s.
• Afares n Twala (pilot program): Ilaq ad iẓer umseqdac belli ahil-a yella deg uhil n ujenwi, d isumar-is ur d-yettwaḍharen ara s wudem aɣelnaw. Ilaq i umseqdac ad yestuɛɛer s wayen i as-d-ittunefken, d ad yelmed isɛan d tisawer ma yella d-nulfan.

Amseqdac ilaq ad yexdem asteɛfu yelhan ɣef yal asumer finansi deg Yassir. Imi ulac isumar n usnuzef n yedrimen s wudem illeɣ, ilaq ad yelmed s umata ɣef yal ahil i d-yettunefken. Ilaq ad yettḥaz i usteɛfu n udabu: Yassir Pay yella deg uhil n usileɣ n aɣanib n e-money, d ayen i d-yettaken timṣeḥḥit i yimseqdac-is.

I wassi-nni, ilaq i umseqdac ad yestuɛɛer s ttawilat n Yassir, ad yestuɛɛer daɣen s usileɣ n Bank n Lezzayer. Ad yexdem asexdem n tmaẓẓugt s twaɣit, d ad yettkel ɣef isefka i d-yettunefken s wudem illeɣ sɣur Yassir.