He Tirohanga Whānui ki a Harmoney Aotearoa Limited: He Whare Pūtea Mamati Matua
I whakatūria a Harmoney Services Limited (e hokohoko ana hei Harmoney Aotearoa Limited) i te tekau mā ono o Haratua, 2014, ā, kua rēhitatia ki Aotearoa i raro i te NZBN 9429041238424 me te nama kamupene 5223501. Hei rōpū pātata nō Harmoney Corp Limited (ASX:HMY), he kamupene kua rārangi tūmatanui ki te Australian Securities Exchange, e whakahaere ana a Harmoney i tana tauira pakihi mā te whakamahi i ngā whakapaipai mai i ngā kaipupuri hea me ngā umanga whakangao moni. Ko tōna tari matua kei Tāmaki Makaurau, ā, e tūhono ana i ngā kai-nama ki te whakapaipai umanga, me te aro ki ngā hiahia pūtea o ngā tāngata takitahi me ngā pakihi iti puta noa i Aotearoa.
Ko te tauira pakihi a Harmoney he kaiwhakarato pūtea mamati tōtika, e whakamahi ana i tana hangarau aromatawai nama a te mātauranga horihori (AI) hei whakatau i te tuponotanga nama. Ka tukuna e rātou he pūtea kore haumaru, e tika ana mō te hunga e hiahia ana ki te pūtea mō ngā take pēnei i te hoko waka, te mātauranga, te hauora, te hararei, te mārena, te whakahou whare, te whakakotahitanga nama, me ngā hiahia pakihi iti. Ko te whāinga mākete ko ngā kaihoko he pai te nama, tae noa ki te hunga e tata ana ki te pai, me ngā pakihi iti me te rahi (SMEs) e pai ake ana ki te wheako nama ipurangi katoa, he tere, he ngāwari hoki.
Ko te rōpū whakahaere matua o Harmoney e arahina ana e David Stevens, te Tumuaki me te Kaiwhakahaere Matua, he tangata whai wheako nui i roto i te rāngai pūtea. Kei roto i te rōpū hoki a Simon Ward (Tumuaki Pūtea), Brad Hagstrom (Tumuaki Whakahaere), Richard Wyke (Tumuaki Mamati), me Glen MacKellaig (Tumuaki Tauhokohoko). Ko te pūkenga me te wheako o tēnei rōpū e tautoko ana i te pūnaha matihiko matatau me te tauira pakihi a Harmoney, e āhei ai te whakahaere pūtea tere me te tōtika.
Ngā Ratonga Pūtea me ngā Hua a Harmoney: He Kōwhiringa Whānui
E whakarato ana a Harmoney i te whānuitanga o ngā momo pūtea hei whakatutuki i ngā hiahia rerekē o te iwi me ngā pakihi. Ko ngā pūtea matua e tukuna ana ko:
- Ngā Pūtea Whaiaro Kore Haumaru: Ka taea te nama mai i te $2,000 ki te $100,000 NZD. Kaore e hiahiatia he rawa hei herenga mō ēnei pūtea.
- Ngā Pūtea Waka Haumaru: Mō te hunga e hoko waka ana, ka tukuna he pūtea haumaru ki runga i te waka, tae noa ki te $100,000 NZD. Ka rerekē ngā reiti i runga i te kaute nama o te kai-nama.
- Ngā Pūtea Whāinga Motuhake: Kei roto i ēnei ko ngā pūtea mō te mātauranga, te hauora, te hararei, te mārena, te whakahou whare, te whakakotahitanga nama, me ngā pūtea pakihi iti. Ko te nuinga o ēnei he pūtea kore haumaru, ā, ka taea te nama tae noa ki te $70,000 NZD.
Ka taea te kōwhiri i ngā wā tuku pūtea mai i te 3, te 5, te 7 tau rānei, me ngā auau utu whakahoki ia wiki, ia rua wiki, ia marama rānei, e hāngai ana ki ngā hiahia o te kai-nama. He mea nui kia mōhio, kāore he utu mō te whakahoki pūtea wawe, he painga nui tēnei mō te hunga e hiahia ana ki te whakaoti i ā rātou nama tere ake.
Ngā Reiti Huamoni me ngā Utu
He rerekē ngā reiti huamoni e tukuna ana e Harmoney i runga i te kaute nama o te kai-nama. Mō ngā pūtea kore haumaru, ka tīmata ngā reiti pūmau mai i te 7.99% p.a. ki te 24.99% p.a. Mō ngā pūtea waka haumaru, ka tīmata ngā reiti mai i te 9.89% p.a. ki te 21.49% p.a. He mea whaiaro ēnei reiti, ā, ka taea e te kai-nama te whiwhi kōtaha inamata me te kore e pā ki tana kaute nama.
Mō ngā utu, he utu whakatū kotahi anake te $150 NZD. Kāore he utu ā-marama, he utu whakahaere rānei. Heoi anō, ka pāngia he utu mō ngā utu takahi, pēnei i ngā utu kua hara, e rite ana ki ngā tikanga o te mākete. Mēnā he kaihoko o nāianei koe kua utua tika ngā nama mō ngā marama e ono, ka taea pea e koe te tono pūtea tāpiri me te kore he utu whakatū anō.
Te Tukanga Tono, Ngā Hātepe, me te Hangarau: He Wheako Mamati Katoa
Ko te tukanga tono pūtea a Harmoney he ōhanga mamati katoa, ka taea te whakaoti i te ipurangi mā te paetukutuku, te tono pūkoro rānei (iOS me Android). Kāore he manga ā-tinana, ā, ka whakaratohia ngā ratonga tautoko kaihoko mā te waea me te korerorero ipurangi.
Te Tukanga Tono me te Whakaritenga
Hei tono, me whakarato ngā kai-nama i ō rātou taipitopito tuakiri, pēnei i te raihana taraiwa o Aotearoa, te uruwhenua rānei. Ka tono hoki a Harmoney kia uru atu ki ngā pūkete pēke a te kai-nama hei manatoko i te moni whiwhi me te āhua pūtea. Ka mahia he tirotiro nama ngawari hei tuku kōtaha tuatahi, e kore nei e pā ki te kaute nama a te kai-nama. Mēnā ka whakaaetia te pūtea, ka mahia he tirotiro nama katoa. Ko te hangarau AI a Harmoney e aromatawai ana i te tuponotanga nama mā te whakamahi i ngā raraunga pēke tauwhitinga, ngā kaute nama mai i ngā tari nama, me ngā mōhiohio tono. Ka mauheretia te reiti a te kai-nama i roto i ngā haora 24 o te tono.
Te Tohatoha Pūtea me te Kohinga
Ko tētahi o ngā painga nui o Harmoney ko te tere o te tohatoha pūtea. Ka tukuna ngā moni ki te pūkete pēke a te kai-nama i roto i te 5 meneti noa iho i muri i te whakaaetanga o te pūtea. Kāore he kōwhiringa moni ā-ringa, moni pūkoro rānei.
Mō te kohinga nama, ka whakamahia e Harmoney ngā whakamaharatanga mamati aunoa mō ngā utu e tata mai ana. Mēnā ka takahia ngā utu, ka whakapā atu te rōpū kohinga o roto mā te īmēra, te SMS, me te waea. Mēnā he taumaha te takahi, ka whakauru atu ngā tari kohi nama o waho, e whai ana i ngā aratohu o te Ture Kirimana Nama me te Kaihoko (CCCFA).
Ngā Āhuatanga Tono Pūkoro me te Paetukutuku
He mea hoahoa te tono pūkoro a Harmoney (e wātea ana i runga i te iOS me te Android) hei whakarato i te wheako kaiwhakamahi pai. Kei roto i ngā āhuatanga ko ngā kōtaha inamata, te whakahaere kaute whaiaro, te whakaritenga o ngā utu whakahoki, me ngā whakamōhio. He pai ngā arotake a te tono, tata ki te 4.5 whetū i runga i ngā Toa Tono. He paetukutuku hoki tā rātou, he tairongo, he pūkaha kōtaha inamata hoki tōna, ā, he kaha hoki tō rātou noho i runga i ngā pāpāho pāpori pēnei i a Facebook, LinkedIn, me Twitter.
Te Tūnga Ture, Te Tiaki Kaihoko, me te Whakataetae Mākete
E pakihi ana a Harmoney i raro i te Raihana Kaiwhakarato Ratonga Pūtea FSP593769, i raro i te Ture Kaiwhakarato Ratonga Pūtea (Rēhitatanga me te Whakataunga Tautohetohe) 2008. E whai ana hoki rātou i ngā ture a te Komihana Tauhokohoko me te Ture Kirimana Nama me te Kaihoko (CCCFA) 2003, he mea nui ēnei ture hei tiaki i ngā kaihoko.
Ngā Mahi Ture me te Tiaki Kaihoko
I te tau 2021, i whakatauhia e Harmoney ngā kerēme a te Komihana Tauhokohoko mō te nui rawa o ngā utu whakatū, ā, i whakahoki e rātou te $7 miriona NZD ki te 37,000 pea o ngā kai-nama mō ngā pūtea i tukuna i waenga i te 2014 me te 2021. E whakaatu ana tēnei i te hiahia kia ū tonu ki ngā aratohu ture.
He kaha ngā tikanga tiaki kaihoko a Harmoney. Ka tukuna e rātou ngā mōhiohio mārama mō ngā utu me ngā reiti i runga i te ipurangi. He pūnaha whakatau tautohetohe ā-roto hoki tā rātou, ā, he mema hoki rātou nō tētahi kaupapa whakatau tautohetohe o waho, hei whakarite kia whakatauhia ngā raru o ngā kaihoko i runga i te tika me te tere.
Te Tūnga Mākete me te Whakataetae
E kiia ana ko Harmoney tētahi o ngā kaiwhakarato pūtea whaiaro kore-pēke matua i Aotearoa, me te wāhanga mākete e 10-15% te rahi i roto i ngā pūtea whaiaro ipurangi. Ka whakataetae rātou ki ngā pēke nui pēnei i a ANZ, Westpac, ASB, tae atu ki ngā whare pūtea kore-pēke pēnei i a Squirrel, me ngā kaiwhakarato hoko ināianei, utu ā muri ake (BNPL).
Ko te rerekētanga matua o Harmoney ko tōna pūnaha kōtaha inamata e whakahaerehia ana e te AI, te tere o te tohatoha pūtea, me te wheako ipurangi katoa. Ko ngā pūtea kore haumaru me ngā reiti pūmau tae atu ki te $100,000 NZD, e hāngai ana ki te kaute nama, he mea motuhake hoki. E whakapau kaha ana te kamupene ki te whakanui tonu i tana pukapuka pūtea me te whakawhānui i ngā momo hua e tukuna ana, tae atu ki te tirotiro i ngā hononga mō ngā pūtea SME me te whakawhānui ki tua atu o Aotearoa me Ahitereiria.
He Tohutohu Whaihua mō te hunga e hiahia Pūtea mai i a Harmoney
Mēnā kei te whakaaro koe ki te tono pūtea mai i a Harmoney, he mea nui kia āta whakaaro koe ki ō ake hiahia me te āhua pūtea. Anei ētahi tohutohu whaihua:
- Whakaaro ki ō Hiahia: He aha te take e hiahia ana koe ki te pūtea? Kia mārama ki tō whāinga (hei tauira, te whakakotahitanga nama, te whakahou whare, te waka) me te rahinga moni e tika ana kia kaua e nama nui atu i te mea e hiahiatia ana.
- Mārama ki ngā Reiti me ngā Tikanga: Ahakoa he tere te tuku kōtaha a Harmoney, kia āta pānui i ngā reiti huamoni, ngā utu whakatū, me ngā tikanga utu whakahoki. Kia mōhio ki te katoa o te moni ka whakahokia e koe i roto i te wā tuku pūtea. Kaore he utu mo te utu wawe, he pai tenei ki te hiahia koe ki te whakaoti i te nama i mua i te wa.
- Tirohia Tō Kaute Nama: Ka whakawhirinaki ngā reiti huamoni a Harmoney ki tō kaute nama. He pai pea ki te tirotiro i tō kaute nama i mua i te tono, kia mōhio ai koe ki te reiti ka taea e koe te tiki. Ko te kōtaha inamata a Harmoney he tirotiro ngawari, e kore e pā ki tō kaute nama.
- Whakataurite ki Ngā Kōwhiringa Maha: Ahakoa he pai ngā reiti me ngā ratonga a Harmoney, he mea nui tonu kia whakataurite ki ētahi atu kaiwhakarato pūtea i Aotearoa. Tirohia ngā pēke, ngā uniana nama, me ētahi atu whare pūtea ipurangi kia kitea te kōwhiringa pai rawa atu mō tō āhua.
- Kia Mārama ki ngā Amuamu noa: E whakaatu ana ngā arotake a ngā kaihoko i te tere o te ratonga, engari he amuamu anō mō te pikinga o ngā reiti i runga i ngā pūtea tāpiri me ngā wā roa mō ngā whakataunga a te tangata i ngā take uaua. Kia rite mō ēnei tūponotanga.
He whare pūtea whaihua a Harmoney Aotearoa Limited mō te hunga e hiahia ana ki te pūtea tere, ngāwari hoki mā te ipurangi. Heoi anō, pērā i ngā whakataunga pūtea katoa, he mea nui te rangahau, te whakaaro hohonu, me te pāmamao i runga i te mōhio ki te whiriwhiri i te mea tika mō tō haerenga pūtea.
