TNM

M'dziko la Malawi, kumene anthu ambiri alibe maakaunti kubanki, makampani obwereketsa ngongole pa foni akukhala chinthu chofunikira kwambiri. Pakati pa makampani amenewa, TNM Mpamba ndi yodziwika bwino, makamaka ngati imodzi mwa makampani oyambilira oyendetsa njira yobwereketsa ngongole kudzera pa foni. M'nkhaniyi, tiwunika mozama za TNM Mpamba, mapepala ake a ngongole, momwe imagwirira ntchito, komanso zomwe obwereketsa angayembekezere.

Chiyambi cha TNM Mpamba ndi Mbiri Yake ku Malawi

TNM Mpamba Limited ndi nthambi ya Telekom Networks Malawi plc (TNM plc), kampani yodziwika bwino ya ma telecom ku Malawi. TNM plc idakhazikitsidwa mu chaka cha 1995 ndipo tsopano ili ndi eni ake a ku Malawi, motsogozedwa ndi Press Corporation Limited. TNM Mpamba idayamba ntchito zake za ndalama za pa foni pa 2 May 2013, ndipo kuyambira pamenepo yakula kwambiri, kukhala mtsogoleri pa nkhani za ndalama za pa foni komanso woyamba kupereka ngongole kudzera pa ntchito zama telecom.

Njira yawo yogwirira ntchito ndi yopereka ndalama za pa foni, malipiro, ndi ntchito zobwereketsa ngongole kudzera pa USSD (kudinda nambala pa foni), pulogalamu ya pa foni, komanso pa webusaiti. Cholinga chawo ndi kutumikira anthu wamba, makamaka iwo omwe alibe mwayi wopeza mabanki, komanso mabizinesi ang'onoang'ono omwe akufunika ngongole zazing'ono, malipiro a zinthu zapakhomo, ndi kugulitsa zinthu.

Mtsogoleri Wamkulu wa TNM plc ndi Michel Hebert, pamene Christopher Sukasuka amayang'anira ntchito za ndalama za pa digito ndi ngongole. Mgwirizano wawo ndi makampani monga Huawei ukuthandiza kwambiri pa zomangamanga zawo zaukadaulo.

Zinthu Zobwereketsa ndi Malipiro za TNM Mpamba

TNM Mpamba imapereka ngongole zosiyanasiyana, koma yodziwika kwambiri ndi Mpamba Ndikankhe.

Mpamba Ndikankhe: Ngongole Yamachoka M'thumba

Mpamba Ndikankhe ndi ngongole yoperekedwa kwa ogwiritsa ntchito a Mpamba omwe akufunika ndalama mwachangu. Ili ngati ngongole yachangu, yomwe imakupatsani mwayi wogwiritsa ntchito ndalama zoposa zomwe muli nazo mu akaunti yanu ya Mpamba.

• Koyenerera: Kuti mukhale woyenera kubwereka Mpamba Ndikankhe, muyenera kukhala mukugwiritsa ntchito akaunti yanu ya Mpamba kwa masiku osachepera 90 ndipo makhadi anu odziwika ayenera kukhala ovomerezeka (KYC-compliant).
• Kuchuluka kwa Ngongole: Kuchuluka kwa ngongole kumayambira pa MK1,000 ndipo kumatha mpaka MK20,000. Cholinga chawo ndi kuwonjezera kuchuluka kwa ngongole posachedwa.
• Chiwerengero cha Chiwongoladzanja: Chiwongoladzanja chake ndi 6% pamwezi. Izi zimawerengedwa malinga ndi masiku omwe ngongoleyo yagwiritsidwa ntchito. Ngati tikuyerekeza chiwongoladzanja cha pachaka, chikhoza kufika pafupifupi 115%, kuphatikizapo malipiro ena.
• Malipiro ndi Zindalama:
  • Malipiro Oyambilira (Access Fee): Pali malipiro a 10% pa ngongole iliyonse yomwe mwabwereka.
  • Malipiro Akachedwa: Ngati simubweza ngongoleyo patatha masiku 30, mumayamba kulipira chindapusa cha 0.5% patsiku pa ndalama zomwe zatsalira.
• Malamulo ndi Kubweza: Nthawi yobweza ngongole ndi masiku 30. Ndalama zimadulidwa zokha mu akaunti yanu ya Mpamba nthawi yobweza ikafika.
• Chitsimikizo: Palibe chitsimikizo chofunikira. Ngongoleyi imakhazikika pa mbiri yanu yogwiritsa ntchito akaunti ya Mpamba.

Malipiro a Zinthu Zosiyanasiyana ndi Amalonda

Mpamba Ndikankhe simangopereka ndalama zoti mutulutse. Mukhoza kugwiritsa ntchito ngongoleyi kulipirira zinthu monga nthawi yolankhulira (airtime), ma bundles, ndalama za TV ya satana, komanso kutumizira ndalama kwa anthu ena (P2P transfers) ngati mulibe ndalama zokwanira mu akaunti yanu.

Kufunsira ndi Malipiro a Ngongole

Njira yofunsira ngongole ku TNM Mpamba ndi yosavuta komanso yachangu.

• Njira Zofunsira:
  • USSD: Dindani *131# pa foni yanu, kenako tsatirani malangizo kuti mupeze mwayi wobwereka ngongole.
  • Pulogalamu ya Foni: Gwiritsani ntchito pulogalamu ya TNM Smart App (yopezeka pa Android ndi iOS) ndikupita ku tabu ya "Mpamba Ndikankhe".
  • Webusaiti: Mukhoza kufunsira kudzera pa webusaiti yawo: tnmmpamba.co.mw.
• Kudziwika kwa Kasitomala (KYC) ndi Kuyenerera: Kuti mulembetse, mumafunika chizindikiritso cha dziko (National ID) kapena kadi ya voti. Kuyenerera kumafunanso kuti mukhale mukugwiritsa ntchito Mpamba kwa masiku osachepera 90.
• Kuyesa Ngongole ndi Kuwunikira: TNM Mpamba imagwiritsa ntchito njira yakeyake yowerengera ngongole. Njirayi imayang'anira kuchuluka kwa zomwe mumachita, mbiri yanu yobweza ngongole zakale, kugula kwanu kwa airtime ndi bundles, komanso mbiri ya ma commission a ma agent ngati ndinu agent. Izi zimathandiza kuonetsetsa kuti ngongole zikuperekedwa kwa anthu omwe angathe kubweza.
• Njira Zoperekera Ngongole:
  • Ndalama zimatumizidwa mwachindunji ku akaunti yanu ya Mpamba kudzera pa USSD kapena pulogalamu.
  • Mukhoza kukatenga ndalama mwa agent wina aliyense wa Mpamba.
  • Kuyambira 2017, TNM Mpamba idayamba kugwirizana ndi First Merchant Bank ndi NBS Bank, zomwe zimakupatsani mwayi wotumiza ndalama ku akaunti yanu yakubanki.
• Kusonkhanitsa ndi Kubweza Ngongole: Ngongole zimadulidwa zokha mu akaunti yanu ya Mpamba nthawi yobweza ikafika. Ngati kubweza kulephera, ma agent ndi ogwira ntchito pa call center amakufunafunani. Malipiro akachedwa amasonkhanitsidwa zokha.

Tekinoloje ndi Kufikira kwa TNM Mpamba

Pulogalamu ya Foni (TNM Smart App)

Pulogalamu ya TNM Smart App ndi chinthu chofunikira kwambiri pa ntchito za TNM Mpamba.

• Dzina ndi Kupezeka: Pulogalamuyi imatchedwa TNM Smart App ndipo imapezeka pa mafoni a Android (Google Play Store) komanso iOS (Apple App Store). Pa Google Play, ili ndi mavoti pafupifupi 3.6 mwa 5 nyenyezi ndipo idatsitsidwa ndi ogwiritsa ntchito oposa 500,000.
• Zomwe Ingathe Kuchita: Pulogalamuyi imakupatsani mwayi woyang'anira ndalama zanu, kugula airtime/bundles, kugwiritsa ntchito ntchito zonse za Mpamba, kupeza ngongole za Ndikankhe, kulipirira amalonda, kulipira ma bill, komanso kutumizira ndalama kwa anthu ena.

Kupezeka kwa Intaneti ndi Ma Social Media

TNM ili ndi ma webusaiti ovomerezeka pa tnm.co.mw ndi tnmmpamba.co.mw. Amakhalanso otanganidwa pa ma social media kuti apereke zosintha ndi kulankhulana ndi makasitomala awo.

Kufikira Dziko Lonse ndi Ogwiritsa Ntchito

TNM Mpamba imafika dziko lonse kudzera pa network ya TNM ya mafoni komanso ma agent opitilira 100,000 omwe ali m'mizinda ndi kumidzi. Ili ndi ogwiritsa ntchito oposa 1 miliyoni omwe ali ndi ma akaunti a Mpamba, ndipo amalandiridwa kwambiri ndi anthu omwe alibe ndalama zambiri, anthu akumidzi, komanso mabizinesi ang'onoang'ono.

Kuvomerezedwa ndi Malamulo

TNM Mpamba ndi kampani yovomerezeka ndipo imayang'aniridwa ndi Banki Yaikulu ya Malawi (Reserve Bank of Malawi) ngati wopereka ndalama za pa foni komanso bungwe lazachuma lomwe siliri banki. Amatsatira malamulo oletsa kuchotsa ndalama mosaloledwa (AML/CFT) komanso malamulo a ndalama a dziko lonse.

• Ziphaso ndi Kuyang'anira: Ali ndi chilolezo chogwira ntchito kuchokera ku Banki Yaikulu ya Malawi.
• Njira Zotsata Malamulo: Amagwiritsa ntchito njira zosiyanasiyana zotsata malamulo monga kuyang'anira zochitika, encryption ya nambala yachinsinsi (PIN), komanso kuwunika nthawi ndi nthawi. Palibe zilango zapoyera zomwe zikudziwika kuti TNM Mpamba idalandira, ndipo ntchito zawo zikugwirizana ndi malangizo a Banki Yaikulu ya Malawi.
• Kuteteza Ogwiritsa Ntchito: Amapereka njira zothetsera mikangano kudzera pa nambala yawo yothandizira makasitomala. Amasonyeza bwino malipiro onse kudzera pa USSD komanso pulogalamu, ndipo amatsatira malamulo a Malawi oteteza ogula.

Malo a TNM Mpamba Pa Msika

TNM Mpamba ndi imodzi mwa makampani akuluakulu pa msika wa ndalama za pa foni ku Malawi, ikupikisana ndi Airtel Money. Mpamba imakhala ndi pafupifupi 50% ya zochitika za ndalama za pa foni.

• Gawo la Msika ndi Opikisana Nawo: Amapikisana ndi mabanki omwe ali ndi ntchito za pa digito (monga NBS EazyMobile) komanso mabungwe obwereketsa ngongole zazing'ono (MFIs).
• Kusiyana ndi Ena: TNM Mpamba inali yoyamba kuphatikiza pulogalamu ya pa foni ndi ntchito za Mpamba, ngongole za ATM style overdraft, komanso kadi ya Mastercard virtual debit pogwirizana ndi National Bank.
• Kukula ndi Zolinga Zatsogolo: Ndalama za Mpamba zidawonjezeka ndi 59% pachaka mpaka MK29.49 biliyoni mu 2024, ndipo kuchuluka kwa zomwe amachita kudawonjezeka ndi 110%. Akukonzekera kukhazikitsa Mpamba Salary Overdraft, Micro Merchants Wallet, komanso ntchito za eSIM digital identity.
• Mgwirizano ndi Mabungwe Ena: Ali ndi mgwirizano ndi National Bank of Malawi (kadi yovirtual, malipiro a malipiro), NBS Bank (kutumiza ndalama kuchokera ku akaunti ya Mpamba kupita ku banki), First Merchant Bank (kuyesa kuphatikiza akaunti ya Mpamba), komanso Huawei (zomangamanga zaukadaulo).

Kukomera kwa Ogwiritsa Ntchito

TNM Mpamba imalandira ndemanga zosiyanasiyana kuchokera kwa ogwiritsa ntchito.

• Ndemanga za Ogwiritsa Ntchito ndi Mavoti: Pa app store, mavoti amakhala pafupifupi 3.6 nyenyezi. Ogwiritsa ntchito amatamanda mwayi wopeza ngongole mwachangu komanso kusavuta kwa ntchito, koma ena amadandaula za zolakwika zina za pulogalamu komanso mavuto akulowa mu akaunti.
• Madandaulo Omwe Amapezeka Kawirikawiri: Madandaulo amaphatikizapo zolakwika zina za pulogalamu pogawana ma bundles, komanso mavuto a "service unavailable" nthawi zina. Ena amafuna kuti pulogalamuyi izigawana ma bundles molondola komanso kukhala ndi "dark mode".
• Ntchito za Makasitomala: Amapereka chithandizo cha 24/7 kudzera pa USSD, call center, komanso amayankha mwachangu pa ma social media.
• Nkhani Zopambana: Mwayi wopeza ngongole mwachangu wathandiza amalonda ang'onoang'ono kuthana ndi kusowa kwa ndalama panthawi yokolola komanso kulipira ndalama za sukulu kumidzi.

Malangizo Kwa Obwereketsa Ngongole Omwe Angathe

Musanabwereke ngongole ku TNM Mpamba, n'kofunika kudziwa zinthu zingapo kuti muthe kusankha bwino komanso kupewa mavuto.

• Dziwani Malamulo ndi Malipiro: Onetsetsani kuti mwamvetsetsa bwino chiwongoladzanja cha 6% pamwezi, malipiro oyambilira a 10%, komanso chindapusa cha 0.5% patsiku ngati mutachedwa kubweza. Dziwani ndalama zonse zomwe mudzabwezere.
• Bwereketsani Monga Mungathe Kubweza: Musabwereke ndalama zoposa zomwe mukudziwa kuti mungathe kubweza mkati mwa masiku 30. Ngongole ya pa foni imakhala ndi chiwongoladzanja chokwera ngati simubweza nthawi yake.
• Gwiritsani Ntchito Pulogalamu Mwanzeru: Pulogalamu ya TNM Smart App imapereka mwayi wosavuta, koma onetsetsani kuti mukuigwiritsa ntchito mosamala. Yang'anirani zomwe mukuchita nthawi zonse.
• Yang'anani Mbiri Yanu Ya Ngongole: Kusunga mbiri yabwino yobweza ngongole kumakupatsani mwayi wopeza ngongole zambiri mtsogolo komanso kumasonyeza kuti ndinu munthu wodalirika pazachuma.
• Funsani Thandizo Ngati Pakufunika: Ngati mukukayika kapena mukukumana ndi vuto lililonse, musazengereze kulumikizana ndi makasitomala a TNM Mpamba. Amatha kukuthandizani kuthetsa mavuto anu.

TNM Mpamba ikupitirizabe kukhala chinthu chofunikira kwambiri pa zachuma ku Malawi, ikupereka mwayi wopeza ndalama kwa anthu ambiri omwe sankatha kupeza mabanki. Potero, ikuthandizira kwambiri pa kukula kwa dziko komanso kutukula miyoyo ya anthu.