SmartIZI

Xingheniso na Matimu ya SmartIZI eMozambique

SmartIZI i xitirhisiwa xa digital na app ya runhare leyi humaka eka Banco Internacional de Moçambique, S.A. (lexi tivekaka ngopfu tanihi Millennium bim). Khampani leyi yi tsandzisiwile hi ku ya hi Nawu-Xileriso wa Nhlamuselo wa No. 2/2005 wa Khangela-Ndzati 27 naswona yi languteriwa hi Xibanki xa Mozambique. Millennium bim, lexi sunguriweke hi 1995 tanihi xibanki xo sungula xa vuhweveri lexi nga xa vanhu hi voxe eMozambique, xi na matimu yo leha ya ku nyikela mintirho ya tibanki etikweni.

Millennium bim i khampani leyi tirhisaka hi ku hetiseka, yi kongomisa eka vaxavi va le ka tindhawu, tikhamphani letitsongo na letikulu, na tikhamphani letikulu. SmartIZI yi tirha tanihi xipfalo xa yona xa mobile na digital, yi nyikela mintirho yo fambisa ti-akhawunti, ku hakelela, ku rhumela mali (ku katsa na matiko ya misava), na swikweleti hi ku kongoma hi ti-app ta iOS na Android. Xibanki lexi xi tirhisana na Banco Santander, lexi nga na xiyenge xa nkoka eka yona, naswona ti-share ta yona ti hlengeletiwa eka Mozambique Stock Exchange. Vafambisi va nkoka va katsa António Morgado tanihi CEO, Alsone Guambem tanihi Mutivi wa Vurhumi na Marketing, na Jorge Octávio tanihi Muendli.

Swikweleti leswi Nyikeriwaka, Timpfuno, Tihakelo na Mavumakelo

SmartIZI yi nyikela swikweleti swo hlayanyana leswi fambelanaka na swilaveko swo hambana-hambana swa vaxavi va yona. Ku na swikweleti swimbirhi swa nkoka leswi tivekaka:

• Xikweleti xa Mufuni wa Mfumo (“Crédito Funcionário Público”):
  • Mali: Ku suka eka MZN 10 000 ku ya eka MZN 3 500 000.
  • Rate ya Lembe na Lembe (TAN): 22.00%.
  • Rate ya Ndzinganiso ya Lembe na Lembe (TAEG): 25.40%.
  • Nkarhi wa Ku Hakelela: Ku fikela eka tin'hweti ta 84.
  • Mpfuno wo Hlawuleka: Xibanki xi hakelela installment yo sungula tanihi promo ku fikela Khangela-Ndzati 31, 2025.
  • Xilaveko xa Vusunguli: Ku hlayisa muholo hi le xihlohweni; a ku lavi vusunguli byo engetela.
• Xikweleti xa Muholo na Xikweleti Lexitsongo (hi SmartIZI):
  • Mali, ti-rate, na milawu a swi vuriwi erivaleni hi ku hetiseka, kambe xiboho xi endliwa hi muchini naswona mali yi nghena eka nkarhi wa le hansi ka tiawara ta 24. Leswi swi endla swikweleti leswi swi hatlisa swinene eka lava va swi lavaka hi xihatla.
  • Xilaveko xa Vusunguli: Hi ntolovelo a swi lavi vusunguli byo tlula xilaveko xa ntlhandlamano wa ku hlayisa mali. Swi kongomisiwa hi credit scoring ya wena.

Tihakelo na Milawu:

Tihakelo ta ku sungula na ta ku tirhisa swikweleti ti fambisana na ti-tariff ta ntolovelo ta tibanki, naswona vumbhoni byo engetela bya kumeka eka tisekisi ta xibanki. Tihakelo ta ku hakelela hi ku nonoka ti fambisana na milawu ya Xibanki xa Mozambique. A ku na tihakelo to engetela ta promo ya installment yo sungula eka swikweleti swa vafuni va mfumo. Swikweleti leswi swa vafuni va mfumo swi lava vumbhoni bya ku hlayisiwa ka muholo hi le xihlohweni na matimu yo hlayisa mali lama baseke.

Mavumakelo na Swilaveko:

Ku vumela xikweleti hi SmartIZI swi endliwa hi ku tirhisa app ya mobile (Android na iOS) kumbe internet banking. Ku tirhisa app, u fanele ku yi download-a, u titsandzisa hi ku tirhisa ti-credential ta wena ta mobile banking (nomboro ya runhare + IZI PIN). U fanele ku "Join here" eka Mobile Banking kutani u tiyisekisa vumunhu bya wena eka sekisi ya xibanki ku sungula ku tirhisa. Xibanki xi tirhisa swivandla swa ku endla xiboho hi muchini, leswi tirhisaka matimu ya wena ya transactions na data ra credit bureau, ku endla xiboho eka xikweleti. Mali ya xikweleti yi rhumeriwa eka ti-akhawunti ta wena ta xibanki, mobile money (M-Pesa, e-Mola, mKesh), kumbe yi humesiwa hi ATM.

App ya SmartIZI na Nkhombo wa Mutirhisi wa Digital

App ya SmartIZI i xipfalo xa nkoka xa Millennium bim xa mintirho ya digital. Yi kumeka eka Google Play Store na Apple App Store. Eka Android, yi na rating ya 4.0 stars hi ku suka eka ku hlahluva ka 7,520, naswona yi installiwe ku tlula ka 500 000. App ya iOS yi kumeka naswona yi endliwe xintshwa hi Khangela-Ndzati 14, 2025, leswi kombisaka ku tiyimisela ka xibanki ku yi hlayisa yi ri ya xiyimo xa le henhla.

Ti-feature ta app ti katsa: ku rhumela mali, ku hakelela, ku rhumela mali e matikweni ya misava, privacy mode (ku fihla balance ya wena), e-banking password reset, alerts (ku tivisa hi timhaka ta akhawunti), na segment-based themes. App leyi yi endliwe leswaku yi olovisa vutomi bya vaxavi hi ku va pfumelela ku tirhisa mintirho ya tibanki handle ka ku famba eka tisekisi. Vutivi byo engetela na ti-link ta ku download swi kumeka eka digital hub ya millenniumbim.co.mz, laha ku nga na xiyenge xa SmartIZI.

Hi tlhelo ra nkhombo wa mutirhisi, ku na swilo swin'wana leswi vaxavi va swi rhandzaka na leswi va hlamalaka hi swona. Swilo leswi va swi rhandzaka swi katsa: ku olova ka ku tirhisa, ku hatlisa ka mintirho, ku papalata ku famba eka tisekisi, na mintirho yo tala leyi yi yi nyikaka. Kambe, ku na na swilo leswi va hlamalaka hi swona: app yi nga ha "crashes" endzhaku ka ti-update, ku nonon'hwa ka ku yi sungula nakambe, ku tsana ka privacy controls, na ku nonon'hwa ka ku export-a ti-statement. Sweswi swi kombisa leswaku SmartIZI yi fanele ku tiyisa leswi leswaku yi hlayisa vaxavi va yona va eneriseka. Ku na 24/7 virtual assistant "GO IZI" eka app ku nyikela mpfuno, naswona vaxavi va nga vulavurisana na xibanki hi email kumbe nomboro ya runhare.

Milawu, Xiyimo xa Makete na Vapfhumba

SmartIZI, tanihi xiyenge xa Millennium bim, yi na layisense hi Xibanki xa Mozambique naswona yi languteriwa hi ntolovelo. Yi tirhisa milawu ya tibanki ya laha kaya, ku katsa na milawu ya AML/CFT (Anti-Money Laundering/Combating the Financing of Terrorism) na milawu ya ku sirhelela vaxavi. A ku na matimu yo tiveka ya swikhombiso kumbe swinavetiso leswi humaka eka milawu ya yona.

Hi tlhelo ra ku sirhelela vaxavi, SmartIZI yi endla leswaku TAEG yi kombisiwa erivaleni, yi rhumela ti-push notification hi timhaka ta tihakelo, naswona yi na privacy mode ku fihla balance. Ku na na virtual assistant ya 24/7, "GO IZI," leyi kumekaka eka app ku nyikela mpfuno. Millennium bim yi na xiyenge xa nkoka eka makete wa Mozambique, yi fambisa 23.17% ya mali leyi hlayisiwaka, 20.76% ya ti-assets, na 15.88% ya swikweleti hi Nyenyankulu 2024. Leswi swi yi veka eka xiyimo xa le henhla eka makete.

Vapfhumba va nkoka va katsa BCI Mobile, Standard Bank’s mobile channel, na Banco Único digital services. SmartIZI yi hambana na vapfhumba va yona hi network ya yona yo anama ya tisekisi (195 tisekisi, 63 e tindhawini ta makaya), ku tirhisana ka yona na vahlanganisi va mobile money (M-Pesa, e-Mola, mKesh), na ti-feature ta app leti nga ta xiyimo xa le henhla. SmartIZI yi hambeta yi kula hi nomboro ya vaxavi va yona va digital (ku tlula 855 000 hi Khangela-Ndzati 2023) naswona yi le ka tipulani to katsa mintirho yo engetela yo fana na insurance na ku rhumela mali e matikweni ya misava, ku tiyisa xiyimo xa yona tanihi muhlohloteri wa digital.

Tilehlo ta Nkoka eka Lava Lavaka Swikweleti hi SmartIZI

Loko u ehleketela ku kuma xikweleti hi SmartIZI kumbe u tirhisa mintirho ya yona ya digital, ku na swin'wana leswi u faneleke ku swi ehleketa leswaku u endla xiboho xa vutlhari:

• Twisisa Milawu Hi Ku Hetiseka: Hlayisisa ti-TAN na ti-TAEG. TAEG (Annual Percentage Rate) i ya nkoka ngopfu hikuva yi katsa timpfuno na tihakelo hinkwato, leswi ku nyikaka xifundzha xa ntiyiso xa leswi xikweleti xi nga ta ku tlhontlha hi swona.
• Hlahluva Vuswikoti bya Wena byo Hakelela: Ku boheka ku tiva leswaku u ta kota ku hakelela swi-installment hi nkarhi. Ku tsandzeka ku hakelela swi nga humesa tihakelo ta ku nonoka na ku khumba matimu ya wena ya credit.
• Vula Vutivi Bya Tihakelo: Byetela mali ya mintirho ya ku sungula na tihakelo to engetela. Loko u ri mufuni wa mfumo, byetela mpfuno wa installment yo sungula leyi hakelelwaka hi xibanki, kambe u tiva leswaku promo leyi yi na nkarhi wa yona.
• Tirhisa Ti-Feature ta App: Tirhisa privacy mode ku sirhelela vutivi bya wena, na ti-alert ku tiva hi timhaka ta akhawunti. Loko u kuma swiphiqo, vulavurisana hi xihatla na virtual assistant "GO IZI" kumbe customer service hi email kumbe runhare.
• Tiya-tiya Vumunhu Bya Wena: Qinisekisa leswaku u hetelele process ya KYC (Know Your Customer) hi ku ya eka sekisi ya xibanki ku tiyisekisa vumunhu bya wena leswaku u kota ku tirhisa mintirho hinkwayo.
• Hlahluva Vapfhumba: Hambileswi SmartIZI yi nga na xiyimo xa le henhla, swi antswa ku hlahluva na swikweleti leswi nyikeriwaka hi BCI Mobile, Standard Bank, na Banco Único leswaku u kuma leswi ku faneleke ngopfu.
• Ku Tiya ka App: Vaxavi van'wana va vurile hi swiphiqo swa ku "crashes" ka app endzhaku ka ti-update. Loko swi humelela, tirhisa ti-channel to hlayisa vaxavi ku kuma mpfuno.

SmartIZI yi nyikela nkarhi wa kahle wa ku kuma swikweleti swa digital na mintirho ya tibanki hi ku olova eMozambique. Hi ku twisisa milawu, tihakelo, na ku tirhisa app hi vutlhari, u nga kota ku tirhisa vuswikoti bya yona hi ku hetiseka.