Alternative Bank Shi Ne Mafi Inganci Da Baya Amfani Da Kuɗin Ruwa Da Zuwa Da Fasaha A 2024

Bankin Alternative ya samu lambar yabo ta LEADERSHIP ta banki mafi fitowa da sababbin ƙirƙire-ƙirƙiren fasahar zamani da kawo sauyi a harkar hada-hadar kuɗaɗe ba tare da sanya kuɗin ruwa ko riba ba.

Wannan banki ya kafa tarihi ta hanyar haɗa ƙa’idojin banki na gaskiya da fasahar zamani domin kawo sauyi a harkar kuɗi a Nijeriya.

• Terra Ya Yi Nasarar Zama Sinadarin Ɗanɗanon Girki Mafi Daɗi A Shekara Ta 2024
• Gwarzon Kamfanin Mai Da Iskar Gas Na Shekarar 2024: ARCO Engineering Limited

Tarihi da Asalinsa

Bankin Alternative ya fara ne aiki ne a shekarar 2014 a matsayin sashen banki maras kuɗin ruwa a ƙarƙashin Bankin Sterling. A shekarar 2023 ya zama cikakken banki mai zaman kansa tare da lasisi daga babban bankin ƙasa (CBN), ya mai da hankali kan gina sabuwar hanyar bankin da ta dace da buƙatun zamani da ƙa’idoji daidai da zamani. Wannan sauyi ya ba da dama ga bankin ya zama jagora a harkar bankin da ba sa amfani da riba.

Sabbin Fasahohi

Bankin Alternative, ya samar da tsarin fasaha mai suna Banktech, wanda ya haɗa da amfani da fasahar zamani ta Artificial Intelligence (AI) da Internet of Things (IoT) domin inganta ayyukan banki. Wannan tsari yana bayar da damar samun fahimtar buƙatun abokan hulɗa ta hanyar nazari da bayar da shawarwarin da suka dace da halayen masu amfani da kuɗi a asusun.

Misali, fasahar AI na taimaka wa bankin wajen bayar da shawarwari na musamman da suka dace da abokan hulɗarsa, yayin da IoT ke tabbatar da haɗin kai tsakanin ayyukan bankin.

Wannan haɗakar fasaha da fahimtar ɗan Adam na nuna yadda bankin ke amfani da sabbin hanyoyi wajen kawo sauyi a harkar bankin maras amfani da kuɗin ruwa.

Sauƙi wajen Buɗe Asusu

Bankin ya mai da hankali kan sauƙaƙa tsarin buɗe asusun ta hanyar amfani da dandalinsa na kan layi da kuma manhajar Altbank. Wannan ya rage ɓata lokaci da rashin jin daɗi da kuma cikas irin na tsofaffin hanyoyi, inda mutane za su iya buɗe asusu cikin ‘yan mintoci kaɗan. Wannan tsari ya nuna irin ƙwarewar bankin wajen kawo sauƙin amfani ga abokan hulɗarsa.

Shirin “Branch in a Box”

Bankin Alternative ya ƙaddamar da wani shiri mai suna “Branch in a Box” tare da haɗin gwuiwa da “TotalEnergies” domin magance matsalolin da ke hana mutane samun damar amfani da banki, musamman a yankunan karkara. Wannan shirin ya haɗa da gina ƙananan rassan banki a tashoshin TotalEnergies a faɗin Nijeriya.

Waɗannan ƙananan rassa suna bayar da duk ayyukan da banki suke yi, ciki har da buɗe asusun kuɗi da ajiye kuɗi da cire kuɗi da tura kuɗi da kuma samun tallafin kuɗi ba tare da riba ba. Wannan ya sauƙaƙa wa jama’a damar shiga tsarin kuɗi na zamani da ba su damar shiga harkokin tattalin arziki cikin sauƙi.

Faɗaɗa Fasaha

Bankin ya gina tsarin banki mai ma’ana da ya haɗa ƙa’idoji da ke da alaƙa da addini da kuma fasahar zamani. Wannan ya ba da damar kafa wani matsayi na musamman ga bankin a harkar banki a Nijeriya.

Bankin mara kuɗin ruwa ba ya amfani da tsarin riba kamar yadda sauran bankunan kasuwanci ke yi. A maimakon haka, yana amfani da tsarin raba riba ko amfani da kuɗaɗen sabis wanda ke bin ƙa’idojin musulunci. Bankin Alternative ya ƙara wa wannan tsarin daraja ta hanyar haɗa shi da fasahar zamani, wanda hakan ya samar da aiyukan da suka dace da buƙatun mutane cikin sauƙi.

Faɗaɗa Samun Damarmaki Ga Jama’a

Bankin ya mai da hankali kan haɗa mutane da dama cikin tsarin kuɗi ta hanyar samar da sauƙi ga masu amfani da shi a yankunan karkara da birane. Wannan ya haɗa da samar da ayyukan yi da suka dace da buƙatun matasa ƙwararru a birane, da kuma mutane a yankunan da ba su da damar amfani da tsarin banki na na asali.

Tasiri ga Tattalin Arziƙi ga Al’umma

A cikin shekara guda da samun cikakken ‘yancin gudanarwa, bankin ya nuna cewa yana da hangen nesa da tsari na gaske. Ya zama alama ta ƙirƙire-ƙirƙire da kuma jagora, yana kawo ci gaba a harkar hada-hadar kuɗi cikin lokaci ƙanƙani.

Dabarun Gaba

Bankin Alternative ya tabbatar da cewa ana gudanar da ayyukansa tare da gaskiya da riƙon amana. Wannan ya ƙara wa bankin karɓuwa a tsakanin jama’a da kuma tabbatar da cewa yana aiki don moriyar kowa da kowa.

Bankin yana da tsare-tsare na faɗaɗa aiyukansa domin tabbatar da cewa kowa ya samu damar amfana da tsarin banki maras kuɗin ruwa ta hanyar amfani da fasaha da shirye-shiryen tallafi, yana kan hanyar zama jagora a harkar hada-hadar kuɗi ba tare da amfani da riba ba.

Bankin Alternative ya zama wani muhimmin sashe na tsarin hada-hadar kuɗi a Nijeriya, yana ƙoƙarin tabbatar da cewa tsarin banki maras kuɗin ruwa ba wai kawai don bin ka’idodin musulunci ba, har ma don samar da sauƙi da inganci ga kowa da kowa. Wannan lambar yabo ta banki mafi fitowa da sabbin ƙirƙire ƙirƙire ta na nuna irin gudummawar da bankin ke bayarwa wajen kawo sauyi a harkar banki.