Fakamatala ʻo e Kautaha mo hono Hū ki Tonga
Ko e Ngata Fintech Innovations ko ha kautaha tuʻumalie ʻoku ne tataki ʻa e ngaahi ngāue fakapaʻanga fakadigital ʻi he Puleʻanga ʻo Tonga. Naʻe fukahake ʻa e kautaha ni ʻi ʻEpeleli 2022, ʻo lesisita fakalelei ia ʻi he Potungāue Pisinisi ʻa Tonga. Ko e taumuʻa pōtoʻi ʻo e Ngata ke fakalahi ʻa e aʻusia ki he ngaahi ngāue fakapaʻanga ki he ngaahi kōmunitī ʻoku faingataʻaʻia ke maʻu ia mei he ngaahi pangikē angamaheni. ʻOku fakalele ʻe he kautaha ni ʻa e ngaahi kolou laiti fakadigital ʻo fakaʻaongaʻi ʻa e ngaahi polokalama telefoni toʻotoʻo mo e USSD.
Ko e Pule Lahi mo e tokotaha pule lahi ʻo e Ngata ko Mr. Richard Anderson, ʻoku ne puleʻi ʻa e peseti ʻe 60 ʻo e kautaha. ʻOku kau foki ʻi he kau pule ʻa e kau fakatau paʻanga ʻi Tonga (30%) mo ha paʻanga tokoni fakalakalaka fakafonuá (10%). Ko e kautaha ni ʻoku fakalele ia ʻi ha founga fakadigital, ʻo foaki ʻa e ngaahi kolou laiti ki he kau ngāue fakatuʻunga totongi, kau pule pisinisi iiki, pea mo e kau ngāue ngoue, tautautefito ki he ngaahi motu mamaʻo ʻo Tonga. ʻOku maʻu ʻa e paʻanga hūmai mei he tupu ʻo e kolou, totongi kamataʻanga, mo e totongi tōmui. ʻOku kau ʻi he kau pule lahi ʻo e kautaha ʻa Dr. Mele Vaea (Pule Ngāue), Sione Hala (Pule Tekinolosia), mo Loto Tupou (Pule Fakaʻatu Koloa), ʻa ia ʻoku nau maʻu ha poto lahi ʻi he ngaahi ngāue fakapaʻanga mo e tekinolosia.
Ngaahi Koloa Fekauʻaki mo e Ngāue Fakapaʻanga ʻa e Ngata
ʻOku foaki ʻe he Ngata Fintech Innovations ha ngaahi kolou lahi kehekehe ke feau ʻa e ngaahi fiemaʻu fakapaʻanga kehekehe ʻa e kakai ʻo Tonga. ʻOku kau ʻi he ngaahi kolou ni:
- Ngaahi Kolou Laiti Fakafoʻituitui: Ko e kolou ni ʻoku mei he T$200 ki he T$3,000. ʻOku taumuʻa ia ki he ngaahi fiemaʻu fakapaʻanga fakafoʻituitui, hangē ko e totongi fakavavevave pe ngaahi fiemaʻu fakaʻohovale. Ko e tuʻunga tupu fakamaama ʻoku mei he 1.8% ki he 2.5%, ʻo e tuʻunga tupu fakataʻu (APR) ʻoku ofi ki he 24% ki he 30%.
- Ngaahi Paʻanga ki he Pisinisi Iiki: ʻOku foaki ʻa e ngaahi paʻanga ni mei he T$2,500 ki he T$15,000 ki he kau pule pisinisi iiki ke tokoniʻi honau ngaahi pisinisi ke fakalakalaka. Ko e tuʻunga tupu fakamaama ʻoku mei he 1.5% ki he 2.2%, pea ko e APR ʻoku ofi ki he 20% ki he 26%.
- Ngaahi Paʻanga ki he Ngoue: ʻOku mei he T$500 ki he T$5,000 ʻa e ngaahi kolou ni, ʻoku taumuʻa ia ki he kau ngāue ngoue ke fakatau mai ʻa e ngaahi naunau ngoue pe ke tokoniʻi ʻa e ngaahi ngāue ʻi he ngoue. Ko e tuʻunga tupu fakamaama ʻoku mei he 1.2% ki he 1.8%, pea ko e APR ʻoku ofi ki he 16% ki he 24%.
Ko e ngaahi tuʻunga ʻo e kolou ʻoku mei he māhina ʻe 3 ki he māhina ʻe 12. ʻOku faingofua ʻa e totongi fakafoki, ʻo lava ke fakahoko fakaʻaho, fakauike, pe fakamaama ʻo fakafou ʻi he paʻanga telefoni toʻotoʻo (mobile money) pe ʻo fakafou ʻi he pangikē. ʻOku ʻi ai foki mo e ngaahi totongi kehekehe:
- Totongi Kamataʻanga: 2% ʻo e paʻanga kolou ʻe foaki.
- Totongi Ngāue: T$10 tatau pē ki he ngaahi kolou kotoa.
- Totongi Tōmui: T$5 ki he ʻaho kotoa pē ʻoku tōmui ai ʻa e totongi.
Ko e Ngata ʻoku ʻikai te ne fiemaʻu ha maluʻi angamaheni (collateral) mei he kau koloua. Ka ʻoku ne fakaʻaongaʻi ʻa e maluʻi fakae-kakanofaleʻi (biometric security), fikaʻi ʻa e ʻatu koloa ʻo e tokotaha koloua (behavioral scoring), pea mo e kau fakamoʻoni mei he ngaahi kulupu koloua ʻi he ngaahi feituʻu nofoʻanga.
Ngaahi Ngāue mo e Founga Fakahoko
ʻOku faingofua mo vave ʻa e ngaahi ngāue ʻa e Ngata Fintech Innovations. ʻOku lava ʻa e kau koloua ke nau kole kolou ʻo fakafou ʻi he ngaahi founga kehekehe:
- Polokalama Telefoni Toʻotoʻo: ʻOku lava ke ʻoatu ʻa e polokalama ni ki he ngaahi telefoni iOS (App Store) mo e Android (Google Play).
- Kouti USSD: ʻOku lava ke fakaʻaongaʻi ʻa e kouti *123# ki he ngaahi telefoni ʻoku ʻikai maʻu ha ʻinitaneti.
- Uepisaiti: ʻOku lava foki ke kole kolou ʻo fakafou ʻi he uepisaiti ʻa e Ngata.
- Ngaahi ʻOfisi Fakafofonga: ʻOku ʻi ai ʻa e ngaahi ʻofisi fakafofonga ʻi he ngaahi senitā lalahi ʻe nima ʻo Tonga ke tokoniʻi ʻa e kakai.
ʻI he founga kole, ʻoku fakahoko ʻa e ngaahi ngāue ke ʻiloʻi ʻa e kāsitomā (KYC - Know Your Customer). ʻOku kau heni ʻa hono toʻo fakadigital ʻo e kaati ID (passport pe kaati fakafoʻituitui), hono fakapapauʻi fakae-kakanofaleʻi ʻo e mata, fakapapauʻi ʻa e nōmipa telefoni, mo ha toʻoata mo ha vitiō fakaCAPTCHA. Ko e ngaahi fakamatala ko ʻeni ʻoku fakaʻaongaʻi ia ʻe ha founga fikaʻi fakaʻatu koloa ʻoku fakalele ʻe ha komipiuta, ʻoku ne lava ke fakahoko ha tuʻutuʻuni ʻi he miniti ʻe 2 pē. ʻOku fakaʻaongaʻi ʻe he founga fikaʻi fakaʻatu koloa ni ʻa e ngaahi fakamatala kehekehe, hangē ko e founga fakaʻaongaʻi ʻo e telefoni, ngaahi ngāue fakapaʻanga kuo fakahoko, mo e ngaahi fakamatala mei he ngaahi kaumeʻa. ʻOku lava ke tuʻuaki vave ʻa e paʻanga kolou ʻo fakafou ʻi he pangikē (BSP, MBf) pe paʻanga telefoni toʻotoʻo (Digicel Mobile Money, UCall), pe lava foki ke tānaki ʻa e paʻanga ʻi he ngaahi ʻofisi fakafofonga.
ʻI he ngaahi tuʻunga totongi, ʻoku fakahoko ʻe he Ngata ha ngaahi fakamanatu fakatomika ʻo fakafou ʻi he SMS pe polokalama telefoni. Kapau ʻe tōmui ʻa e totongi ʻi he ʻaho ʻe 7, ʻoku fakahoko ʻa e fakahoko ki he tokotaha koloua ʻe he kau fakafofonga ʻi he feituʻu. ʻOku ʻi ai foki mo e ngaahi founga ke liliu ʻa e tuʻunga totongi ki he kau koloua ʻoku faingataʻaʻia fakapaʻanga, ʻo aʻu ki he māhina ʻe 3.
Tekinolosia, Aʻusia mo e Tuʻunga Fakaeakono
Ko e tekinolosia ʻa e Ngata ko hono uho ia. Ko e polokalama telefoni toʻotoʻo ʻa e Ngata ʻoku maʻu ia ki he iOS mo e Android, pea ʻoku maʻu ʻa e fika lelei ʻi he App Store (4.6 fetuʻu) mo e Google Play (4.5 fetuʻu). ʻOku ʻi ai ʻa e ngaahi ngāue ʻaonga lahi ʻi he polokalama ni, hangē ko e: fikaʻi kolou, vakaʻi fakatomika ʻa e toenga paʻanga, ngaahi totongi kuo faʻu, tokoni ʻi he polokalama, pea mo e ngaahi akoʻanga fakapaʻanga. ʻOku ʻi ai foki mo e uepisaiti ʻa e Ngata ʻoku ʻi ai ʻa e ngaahi fehuʻi ʻoku faʻa fai, chat vave, mo e blog ke tokoniʻi ʻa e kau koloua. ʻOku nau ngāue mālohi foki ʻi he Facebook mo e Instagram ke fehokotaki mo e kōmunitī.
ʻOku aʻusia ʻe he Ngata ʻa e ngaahi feituʻu kotoa pē ʻo Tonga, kau ai ʻa Tongatapu, Vavaʻu, Haʻapai, ʻEua, mo e ngaahi motu mamaʻo, ʻo fakafou ʻi he USSD mo e ʻofisi fakafofonga. ʻOku laka hake ʻi he 25,000 ʻa e kakai kuo lesisita ʻi he Ngata, pea ko e 12,500 ʻoku nau ngāue fakaʻaho. ʻOku fikaʻi ko e 48% ʻo e kau koloua ko e kakai fefine, pea ko e taʻu motuʻa fakamaheni ko e 34. Ko e 60% ʻo e kau koloua ʻoku nofo ʻi he ngaahi kolo lalahi, pea ko e 40% ʻoku nofo ʻi he ngaahi feituʻu tuʻa kolo.
ʻI he tuʻunga fakaeakono, ko e Ngata Fintech Innovations ʻoku lesisita ia ʻe he Pangikē Puleʻanga ʻo Tonga (NRBT) ʻi he lalo he FinTech Sandbox framework ko ha kautaha kolou laiti kuo lesisita. ʻOku ʻohake ia ki he ngaahi sivi fakataʻu ʻa e NRBT pea ʻoku ne fakahoko kakato ʻa e Lao Tāmaʻaki Paʻanga mo hono Taʻofi ʻo e Fakafehokotaki Fakatupu Fakalavea ʻa Tonga. ʻOku tokanga lahi ʻa e Ngata ki hono maluʻi ʻo e kāsitomā ʻo fakafou ʻi he ngaahi fakamatala pau ki he ngaahi totongi, ʻaho ʻe 14 ke fakakaukauʻi, laini tokoni fakataha ʻa e kau kāsitomā, mo e ngaahi ako fakapaʻanga ʻi he ngaahi feituʻu nofoʻanga.
Tuʻunga ʻi he Maketi mo e Faleʻi ki he Kau Koloua
ʻOku fikaʻi ʻa e Ngata ʻoku ne maʻu ʻa e peseti ʻe 35 ʻo e maketi kolou laiti fakadigital ʻo Tonga. ʻOku kau ʻi he ngaahi kautaha kehekehe ʻi he maketi ni ʻa e Tongalending Mobile, BSP Digital Loans (mei he pangikē), mo e Pacific Microfinance Solutions (kautaha tokoni). Ko e ngaahi meʻa ʻoku kehekehe ai ʻa e Ngata mei he ngaahi kautaha kehe, ko hono vave ʻo e fakangofua (lalo he miniti ʻe 5), ʻikai fiemaʻu ha maluʻi, pea mo hono fakaʻaongaʻi ʻo e founga kulupu koloua ʻi he ngaahi feituʻu nofoʻanga ʻoku ne fakalahi ʻa e falala.
Ko e ngaahi taumuʻa ʻa e Ngata ki he kahaʻu ko hono kamata ʻo e ngaahi kolou ʻoku fehokotaki ki he totongi ngāue mo e ngaahi kautaha ʻo e puleʻanga ʻi he 2026, pea mo hono fakalahi ki Samoa mo Fisi. ʻOku fakapapauʻi foki ʻe he Ngata ʻa e ngaahi haʻofanga mālohi mo e Digicel Tonga (ki he paʻanga telefoni toʻotoʻo), BSP mo e MBf Bank (ki he fakafolau paʻanga ʻi he pangikē), pea mo e ngaahi kōsilio fakakolo mo e ngaahi kulupu pisinisi iiki ʻa e kakai fefine.
ʻOku lelei ʻa e ngaahi fakamatala ʻa e kau kāsitomā ʻi he polokalama telefoni toʻotoʻo, ʻoku nau fakamaloʻia ʻa e vave ʻo e fakangofua mo e tokoni ʻa e kau fakafofonga. Ka ʻoku ʻi ai foki mo e ngaahi fakaanga ki he tuʻunga tupu ʻoku māʻolunga mo e vave hono tānaki ʻo e totongi tōmui. ʻOku ʻi ai ʻa e tokoni kāsitomā ʻa e Ngata ʻo e ʻaho kotoa, ʻi he polokalama chat mo e laini tokoni, pea ʻoku fakahoko foki ʻa e ngaahi ako fakapaʻanga fakamaama. ʻOku ʻi ai ʻa e ngaahi talanoa lavameʻa ʻo ha pisinisi iiki ʻi Nukuʻalofa naʻe lavameʻa ʻi hono fakalahi ʻo ʻene koloa, pea mo ha kulupu ngoue ʻi Haʻapai naʻe lavameʻa ʻi hono fakalahi ʻo ʻenau ngoue ʻi he tokoni ʻa e kolou ngoue.
ʻI he 2024, naʻe aʻusia ʻe he Ngata ha paʻanga hūmai ʻe T$2.1 miliona pea mo ha paʻanga maʻu ʻe T$450,000. ʻOku fikaʻi ko e paʻanga kolou kuo foaki ʻoku T$6.5 miliona, pea ko e kolou fakamaheni ʻoku T$1,200. Ko e peseti ʻo e kolou tōmui (laka hake ʻi he ʻaho ʻe 30) ʻoku 4.8%.
Faleʻi ʻaonga ki he Kau Koloua Fakafoʻituitui:
Ki he tokotaha kotoa pē ʻoku fakakaukau ke kolou mei he Ngata Fintech Innovations, ʻoku mahuʻinga ke mahino lelei ʻa e ngaahi tuʻunga mo e totongi kotoa pē ki muʻa pea ke fai ha tuʻutuʻuni. Ko e ngaahi faleʻi ʻaonga ʻeni:
- Lau Lelei ʻa e Ngaahi Tuʻunga: ʻIloʻi lelei ʻa e tuʻunga tupu fakamaama mo e tuʻunga tupu fakataʻu (APR), ngaahi totongi kamataʻanga, totongi ngāue, mo e totongi tōmui. ʻOku māʻolunga ange ʻa e ngaahi tuʻunga tupu ʻi he ngaahi kolou laiti fakadigital ʻi he ngaahi kolou angamaheni mei he pangikē, ko ia ke fakakaukau lelei ki ai.
- Faʻu ha Palani Totongi: Ki muʻa pea ke kolou, fakapapauʻi ʻoku ʻi ai haʻo palani pau ki hono totongi fakafoki ʻo e kolou. Fakaʻaongaʻi ʻa e fikaʻi kolou ʻi he polokalama telefoni ke tokoniʻi koe ke mahino lelei ʻa e ngaahi totongi kotoa pē.
- Fakaʻaongaʻi Lelei ʻa e Polokalama: Ko e polokalama telefoni ʻa e Ngata ʻoku ʻi ai ʻa e ngaahi ngāue ʻaonga lahi. Fakaʻaongaʻi ia ke vakaʻi ho toenga paʻanga, faʻu ha ngaahi totongi, pea maʻu ha tokoni fakapaʻanga.
- Fehokotaki Vave: Kapau ʻoku ke fehangahangai mo ha faingataʻa ki hono totongi fakafoki ʻo ho kolou, fehokotaki vave ki he tokoni kāsitomā ʻa e Ngata. ʻOku nau lava ke foaki ha ngaahi founga ke liliu ʻa e tuʻunga totongi ke tokoniʻi koe.
- Tokanga ki he Totongi Tōmui: Ko e totongi tōmui ʻe lava ke vave hono tānaki. Fai ʻa e meʻa kotoa pē ke totongi ho kolou ʻi he taimi totonu ke fakaʻehiʻehi ai mei he ngaahi totongi lahi ʻoku ʻikai fiemaʻu.
- Maʻu ha ʻIlo Fakapaʻanga: Ngāueʻaki ʻa e ngaahi akoʻanga fakapaʻanga ʻoku foaki ʻe he Ngata ke fakalahi ho ʻilo ki he founga ʻoku ngāue ai ʻa e paʻanga.
ʻI hono fakaʻaongaʻi fakaʻatamai mo fakapotopoto, ko e Ngata Fintech Innovations ʻe lava ke hoko ia ko ha tokoni lahi ki he fakalakalaka fakapaʻanga ʻo e kakai ʻo Tonga.
