Adesua a ɛkɔ akyiri a wɔahyehyɛ de ma nimdeɛ wɔ mobile money agency dwumadie afanan biara ho.
Yɛn nhyehyɛeɛ ka nimdeɛ a mobile money agents hia de yɛ adwuma yie na wɔma wɔn adwuma kɔ so nyinaa.
Sɛnea wobɛhwɛ dwumadie sika so yie ho ntease yɛ agent nkonim fapem. Saa nhyehyɛeɛ yi kyerɛkyerɛ sɛnea wobɛhwɛ nea ɛbɛba dabiara, float dodoɔ a ɛfata, ne akwan a wobɛfa so akora sika a ɛhia a worenhyɛ sika pii mu.
Fraud yɛ asiane kɛseɛ baako a agent mfasoɔ hyia. Sua sɛnea wobɛhu akwan a wɔtaa fa, sɛnea wobɛhwɛ adetɔfoɔ ho nsɛnkyerɛnne yie, na fa ahobammɔ akwan a ɛbɔ wo adwuma ho ban a ɛremma adetɔfoɔ a wɔyɛ nokware nni haw.
Dabiara nkontaabu a ɛyɛ pɛpɛɛpɛ si nsonsonoeɛ a ɛbɛboa ano na ɛma wohu adwuma mu nkɔsoɔ pefee. Sua sɛnea wobɛsiesie akontaabu, di commission ho dwuma, na akora nkrataa a ɛboa ma wosi gyinaeɛ a nimdeɛ wom.
Agents yɛ sikasɛm nnwuma a wɔde wɔn ho to mu wɔ wɔn mpɔtam. Sua sɛnea wobɛdi transaction ho dwuma ntɛm, kyerɛkyerɛ nhyehyɛeɛ pefee, di nsɛm a ɛyɛ den ho dwuma yie, na si gyidie a ɛma adetɔfoɔ ba bio.
Sɛ wobɛyɛ adwuma wɔ mmara mu a, ɛhia sɛ wote Know Your Customer nhyehyɛeɛ, transaction ano hye, ne amanneɛbɔ nnwuma ase na wode di dwuma. Saa nhyehyɛeɛ yi ka Bank of Ghana ahwehwɛdeɛ ne sɛnea wɔde mmara so di di dwuma ho.
Nkɔsoɔ a ɛkɔ so hia akwan a ɛnnyɛ sɛ wotwɛn adetɔfoɔ pii nkutoo. Sua akwan a wobɛfa so ama wo adetɔfoɔ adodoɔ akɔ so, ama transaction mpɛn dodoɔ akɔ so, siesie wo adwuma yie, na asi mfasoɔ a ɛkɔ so wɔ berɛ tenten mu.
Yɛn akwan ka adesua a wɔahyehyɛ ne dwumadie bɔ mu.
Nteteeɛ nyinaa firi agents a wɔyɛɛ adwuma yie kane a wɔte wiase mu tebea ase nkyɛn. Wɔkyerɛkyerɛ firi osuahunu mu, ɛnyɛ nyansahu nimdeɛ nkutoo. Yei hwɛ ma nsɛm ka nsɛm a agents hyia dabiara ho.
Wɔahyehyɛ nsɛm no ayɛ nhyehyɛeɛ a ɛfa dwumadie beaeɛ pɔtee bi ho. Saa nhyehyɛeɛ yi ma wɔn a wɔba no tumi de wɔn adwene si beaeɛ a ɛfata wɔn seesei ahiadeɛ so anaa wɔkɔ so wɔ adesua no nyinaa mu.
Nteteeɛ nhyiam ka nsɛm a wɔde di dwuma a wɔn a wɔba no fa nsɛm a wɔbɛhyia sɛ agents so yɛ adwuma. Saa akwan yi boa ma nimdeɛ dan akwan a wɔde bedi dwuma a wɔtumi de di dwuma ntɛm.
Yɛn nhyehyɛeɛ som nnipa ahodoɔ wɔ mobile money agent fekuo mu. Wɔn a wɔpɛ sɛ wɔbɛyɛ agents nya mfasoɔ firi mfitiaseɛ nteteeɛ a ɛkyerɛkyerɛ nea adwuma no fa ansa na wɔafiti ase. Yei boa nnipa ma wɔsi gyinaeɛ a nimdeɛ wom fa wɔn a wɔbɛkɔ dwumadie no mu ho.
Agents a wɔwɔ hɔ dada tumi ma nimdeɛ pɔtee bi mu ahoɔden anaa wɔdi dwumadie nsɛm pɔtee bi ho dwuma. Sɛ wɔredi fraud mfomsoɔ ho dwuma, wɔrema nkontaabu pɛpɛɛpɛ atu mpɔn, wɔrema transaction adodoɔ akɔ so, anaa wɔrehwɛ sɛ wɔdi mmara so pɛpɛɛpɛ a, nteteeɛ a wɔahyehyɛ ma nimdeɛ a wɔhia de ma dwumadie atu mpɔn.
Nnwuma a wɔhwɛ agent beaeɛ pii tumi hyehyɛ nteteeɛ a wɔahyehyɛ ama wɔn akuo. Yɛne nnwuma yɛ adwuma de di wɔn dwumadie ahiadeɛ pɔtee ho dwuma na yɛhwɛ ma nhyehyɛeɛ koro wɔ beaeɛ nyinaa.
Yɛyɛ nhyehyɛeɛ wɔ Ghana nyinaa de ma nteteeɛ tumi kɔ nnipa nkyɛn.
Wɔyɛ nteteeɛ nhyiam daa wɔ nkuropɔn akɛseɛ ne mpɔtam ahodoɔ wɔ Ghana nyinaa. Saa mmeaeɛ pii yi hwɛ ma agents tumi kɔ nteteeɛ a wɔntu kwan tenten dodo.
Nnwuma a wɔhwɛ agent beaeɛ pii no, yɛma nteteeɛ a wɔahyehyɛ wɔ wɔn beaeɛ. Saa akwan yi ma akuo tumi sua bɔ mu na ɛka adwumakuo pɔtee dwumadie nhyehyɛeɛ ho.
Yɛte ase sɛ agents wɔ adwuma a wɔyɛ. Wɔhyehyɛ nteteeɛ nhyiam de ma dabiara dwumadie mu nsɛm a ɛbɛsɛe sua, na wɔma akwan ma nnawɔtwe awieɛ anaa anwummerɛ nhyiam sɛ ɛfata a.
Frɛ yɛn na yɛnkasa fa nteteeɛ nhyehyɛeɛ bɛn a ɛfata wo ahiadeɛ anaa sɛnea wobɛhyehyɛ nteteeɛ a wɔahyehyɛ ama wo kuo ho.