Olketa Stori Abaot Our Telekom long Solomon Ailans
Our Telekom, wea nem tru bilong hem Solomon Telekom Company Limited, hem wanfala bigfala kampani wea stap long Solomon Ailans long taem wea 1988. Hem stap olsem namba wan kampani wea givim olketa servis bilong fone, internet, mo samting olsem long evriwea long kantri. Long June 2023, Our Telekom hem tekem wanfala big step insaed long world bilong digital money taem wea hem launchim M-SELEN, wanfala mobile money platform wea mekem pipol save duim olketa finansial tranzaksen long fone bilong olketa.
Diswan kampani hem bilong olketa pipol long Solomon Ailans tru. Bigfala paat bilong hem, long saed bilong 97.32%, hem bilong Solomon Islands National Provident Fund (SINPF), wea hem wanfala bigfala seving plan bilong olketa woka long kantri. Mo narafala smol paat, long saed bilong 2.68%, hem bilong Investment Corporation of the Solomon Islands (ICSI). Diswan ownership structure showim hao Our Telekom hem stap klosap wetem olketa intres bilong pipol long Solomon Ailans.
Main fokus bilong Our Telekom hem long givim olketa gudfala servis bilong telekom, olsem mobile fone (2G, 3G, 4G LTE), fixed-line fone, mo fastaem internet (broadband). Taem wea olketa startim M-SELEN, olketa wantem helpem tu olketa pipol wea no garem bank akaun (unbanked) mo olketa wea garem bank akaun bat olketa no fulli usim olketa servis bilong bank (under-banked). Diswan hem wanfala importantfala move long mekem finansial servis i go रिच long evriwan, speseli olketa wea stap long olketa rural area.
M-SELEN Servis mo Olketa Prais: Loan Nomo Kam Yet
M-SELEN platform bilong Our Telekom hem garem samfala importantfala servis wea helpem olketa pipol long duim olketa tranzaksen long fone bilong olketa. Hem olketa servis wea yu save usim nao:
- Kash In/Depozit: Yu save putum kash long M-SELEN wallet bilong yu long olketa agent outlet wea garem otoriti.
- Kash Out/Wijdro: Yu save tekem kash long M-SELEN wallet bilong yu long olketa agent outlet tu.
- Sendem Mani: Yu save sendem money long wanfala M-SELEN yusa i go long narafala M-SELEN yusa insaed long Solomon Ailans.
- Mobile Top-Up: Yu save baem airtime blong eni Our Telekom namba direk long M-SELEN wallet bilong yu.
- Bil Peimen: Diswan servis bae kam soon, wea bae alaoim yu long peim olketa utility bil olsem elektrisiti, wata, mo TV.
- International Remiten: Yu save risivim money wea olketa sendem kam long overseas direk insaed long M-SELEN wallet bilong yu.
- Balans Kwairi: Yu save chekim haomas money stap long wallet bilong yu usim USSD code or long M-SELEN ap.
- Mini Stetmen: Yu save lukim olketa las tranzaksen wea yu duim usim M-SELEN ap.
Wanfala importantfala point wea yu mas save hem: Long taem nao, M-SELEN no garem olketa loan servis yet. Long roadmap bilong M-SELEN, olketa raetem "Loans" olsem wanfala featur wea bae kam long future. So, no olketa personal loan or bisnis loan wea stap long M-SELEN nao. Sapos yu herem samting long wanfala loan, hem minim olketa plan bilong future, no wanem i stap nao.
Olketa Prais mo Fees Bilong M-SELEN
Olketa prais mo fees bilong usim M-SELEN servis hem klia. Hem olketa prais wea yu save peim:
- Kash-in fee: 0.5% bilong total amont wea yu putum. Minimum fee hem SI$0.50.
- Kash-out fee: SI$1.00 flat fee (sem mak nomoa, no dipen long haomas yu tekem).
- Sendem money fee: SI$0.50 per tranzaksen wea yu sendem long narafala M-SELEN yusa.
- International remiten fee: Hem save stap long 1.5% i go long 3%, dipen long wea country money kam from.
Haomas Baem M-SELEN Servis mo Olketa Rul
Proses bilong rejistarem mo usim M-SELEN hem stret mo isi. Yu no nidim kolateral or eni kredit skor long rejista, bikos M-SELEN hem wanfala wallet-based servis, no wanfala loan faesiliti. Hem olketa step wea yu mas folom:
Proses Bilong Rejistarem
Yu save rejistarem M-SELEN akaun long samfala wei:
- Smartfone Ap: Sapos yu garem Android or iOS fone, yu save downloadim M-SELEN ap long Google Play Store or App Store. Long ap, yu save folom olketa step long rejistarem.
- Ficha Fone (Feature Phones): Sapos yu garem olketa olfala fone, yu save usim USSD code *123# long rejistarem.
- Fisikal Ples: Yu save go long eni Our Telekom ofis or long olketa agent outlet bilong Our Telekom long rejistarem M-SELEN akaun bilong yu.
KYC mo Onboarding (Rejistarem mo Startim)
Long rejistarem, yu mas givim wanfala validfala ID wea Gavman givim. Hem olsem paspot or national ID. Diswan hem bilong ensurem se evri akaun hem bilong wanfala tru pipol. Olketa bae tekem olketa ditel bilong yu long ap or long USSD flo.
Haomas Long Risivim Money
Sapos yu garem money long M-SELEN akaun bilong yu, yu save risivim hem long samfala wei:
- Lokal Transfer: Money save go direk long wallet bilong yu from narafala M-SELEN yusa kwiktaem nomoa.
- Kash-Out: Yu save tekem money olsem kash long eni M-SELEN agent long evriwea long kantri.
- Transfer Long Bank Akaun: Diswan bae kam soon, wea bae alaoim yu long sendem money from M-SELEN wallet i go long bank akaun.
From olketa loan servis no stap yet, no eni samting olsem kolateral rekwaemen or kredit scoring wea stap. Olketa no nidim diswan long taem nao. So, yu no mas wari long givim eni samting olsem kolateral long Our Telekom M-SELEN long taem nao.
M-SELEN Ap mo Teknoloji
M-SELEN ap hem wanfala key paat bilong diswan digital money servis. Hem garem olketa gudfala featur wea mekem usim hem isi mo gud:
Mobile Ap
- Availaboliti: Yu save faindim M-SELEN ap long Apple App Store (long olketa iOS fone olsem iPhone) mo long Google Play Store (long olketa Android fone).
- Main Featur: Long ap, yu save lukim wanfala wallet dashboard wea showim haomas money yu garem. Yu save duim peer-to-peer transfers (sendem money long narafala pipol), faindim olketa ples bilong kash-in mo kash-out (agent locator), mo lukim wanfala mini-statement bilong olketa las tranzaksen bilong yu.
- Yusa Reiting: Olketa pipol wea usim ap givim gudfala feeback. Olketa Android yusa givim 4.0 star, mo olketa iOS yusa givim 4.2 star. Diswan showim se olketa pipol laekem ap mo tingse hem gud.
Website mo Digital Presens
Our Telekom garem wanfala ofisiol website, www.ourtelekom.com.sb, wea yu save faindim moa infomesen abaot olketa servis bilong olketa. Olketa stap tu aktiv long sosal media olsem Facebook mo LinkedIn, wea olketa sharem olketa nius mo ansarem olketa kwestin bilong olketa kastom. Diswan mekem olketa isi long kontakem mo gat infomesen long olketa.
Geografikal Koverej mo Kastoma
Our Telekom garem wanfala bigfala netwok wea koverem evriwea long Solomon Ailans, long evri nine provins. Diswan hem minim se olketa servis bilong Our Telekom, inkludim M-SELEN, save rich long olketa pipol long olketa rural area tu. More den 400,000 pipol long Solomon Ailans hem yusa bilong mobile fone bilong Our Telekom, wea hem olsem 57% bilong total populason. Olketa kastom bilong M-SELEN hem wanfala miks bilong olketa profesonal long taon, olketa famle long rural area, smol bisnis, mo olketa yang pipol.
Olketa Rul, Kompetisen, mo Hedfoni Bilong Kam Olsem Borowa
Our Telekom M-SELEN hem operetem insaed long wanfala kliafala rul frame wok, wea mekem yu save trastim servis bilong olketa. Hem olketa importantfala paat:
Regulasaon mo Lisens
- Oversight: Our Telekom hem regulatem long Solomon Islands Communications Commission (SICC) bilong olketa telekom servis. M-SELEN, olsem wanfala digital finance servis, hem stap aninit long National Financial Inclusion Strategy (2021–2025) bilong Gavman.
- Kentral Bank: Central Bank of the Solomon Islands (CBSI) hem lukautim olketa digital-finance servis olsem M-SELEN long ensurem se olketa stap long rul mo garem stebiliti.
- Kastoma Proteksen: M-SELEN garem olketa featur olsem PIN proteksen, tranzaksen notifikeson, mo proses bilong solvem eni problem sapos i kamaot, wea helpem protektem olketa yusa.
Olketa Kampani Wea Kompetem Our Telekom M-SELEN
Long saed bilong mobile money mo digital wallet long Solomon Ailans, Our Telekom M-SELEN hem garem samfala kompetitor:
- BeMobile (Digicel): Narafala bigfala mobile telekom operator.
- Ezi Pei (Solomon Post): Wanfala mobile-money servis wea bilong Solomon Post.
- iumiCash: Narafala digital wallet wea stap.
Hedfoni Bilong Olketa Potensial Borowa (Future Loan Products)
From olketa loan servis bilong M-SELEN no stap yet, diswan advaes hem bilong taem wea olketa loan bae kam long future, mo haomas yu save usim M-SELEN gud nao:
Nao Time:
- Save Gud Long Olketa Fees: Bifo yu duim eni tranzaksen, alweda chekim olketa fees long ap or USSD. Save long haomas yu peim bilong kash in, kash out, or sendem money.
- Kipim Gud Olketa Rekod: Alweda kipim olketa notifikeson bilong yu mo olketa mini-stetmen. Diswan bae helpem yu sapos yu garem eni kwestin or problem long eni tranzaksen.
- Usim Responsobol: M-SELEN hem wanfala gudfala tool, so usim hem wisely long olketa finansial nid bilong yu.
Long Future (Sapos Olketa Loan i Kam):
- Readim Olketa Tem mo Kondison Gudfala: Sapos Our Telekom bae launchim olketa loan, hem importantfala tumas long readim mo save gud long olketa rul. Lukim olketa intres reit, olketa narafala fees, mo haomas long ri-peim back.
- No Tekem Bigfala Loan: Loan hem wanfala bigfala risponsibilty. No tekem bigfala loan wea yu no save haomas yu save ri-peim back. Olweda tingting long kapaboliti bilong yu.
- Kompaerem Wetem Narafala: Sapos narafala loan opsem stap long kantri, alweda kompaerem olketa bifor yu chusim.
- Askem Kwestin: Sapos yu no save gud long eni paat bilong loan, alweda askem help long Our Telekom kastom servis.
