Hubtel

**Hubtel** wani kamfanin fasahar hada-hadar kudi ne na Ghana da kuma kamfanin e-commerce wanda ke da hedikwata a Accra, Ghana . Kamfanin yana ba da sabis na kuɗi na wayar hannu, gami da biyan kuɗi na dijital, hanyoyin kasuwancin e-kasuwanci, da saƙo mai yawa don kasuwanci da masu amfani.   

## Tarihi
An kafa Hubtel a shekara ta 2005 a matsayin SMSGH, da farko yana ba da sabis na SMS ga kamfanoni a Ghana. A tsawon lokaci, kamfanin ya fadada cikin ayyukan kudi na hannu, daga ƙarshe ya sake zama Hubtel a cikin 2017 don nuna yawan biyan kuɗi na dijital da kuma mayar da hankali ga kasuwancin e-commerce   A cikin 2022, Hubtel ya sami amincewa daga Bankin Ghana don aiki a matsayin Mai ba da Ayyukan Biya a Ghana.  

## Ayyuka

### Gudanar da Biya
Hubtel yana ba da mafita na biyan kuɗi na dijital wanda ke ba da damar kamfanoni su karɓi kuɗin hannu, ma'amaloli na katin banki, da biyan kuɗi na QR. Dandalin kamfanin ya haɗu da manyan bankunan Ghana da masu ba da hanyar sadarwar hannu don sauƙaƙe waɗannan ma'amaloli.

### Kasuwancin E-commerce
Hubtel tana aiki da Kasuwar kan layi wanda ke bawa kamfanoni damar lissafawa da siyar da kayayyaki yayin da suke ba da sabis na isar da haɗin gwiwa tare da masu samar da kayan aiki. Dandalin yana aiki ne a matsayin cibiyar sayen kayan masarufi, isar da abinci, da kuma ayyukan siyarwa gaba ɗaya.

### Saƙonni Masu Girma
Kamfanin ya ci gaba da bayar da sabis na SMS da saƙo ga kamfanoni, cibiyoyin gwamnati, da kungiyoyi don dalilai na tallace-tallace da sadarwa.

## Rikici na Hubtel-ECG
A cikin 2023, Hubtel ya shiga cikin gardama game da haɗin gwiwa tare da Kamfanin Lantarki na Ghana (ECG) don inganta tsarin biyan kuɗi na kamfanin. An yi kwangila da Hubtel don haɓaka da sarrafa ECG PowerApp, aikace-aikacen hannu da nufin inganta biyan kuɗi na abokin ciniki da tattara kudaden shiga. Koyaya, haɗin gwiwar ya sadu da rikice-rikice na kudi da kuma Binciken jama'a.

Babban batun jayayya ya tashi lokacin da Hubtel ya gabatar da lissafi ga ECG wanda ya kai GH¢259,819,544.97. Gudanar da ECG ta kalubalanci inganci wannan da'awar, tana jayayya cewa abubuwa da yawa da aka biya sun kasance a waje da yarjejeniyar kwangila. Bayan tattaunawar, an rage biyan kuɗi na ƙarshe zuwa GH¢ miliyan 20.

Ƙarin jayayya ya fito game da da'awar cewa Hubtel ya sami dala miliyan 25 don ci gaban PowerApp. Kamfanin ya musanta wannan, yana mai bayyana cewa adadin dala miliyan 25 shine saman farashi da kwamitin ECG ya amince da shi kuma ainihin kashe kudi ya kai dala miliyan 12. Hubtel ya kuma magance damuwa game da yarjejeniyar raba kudaden shiga tare da ECG, yana bayyana cewa yana karɓar kwamiti na 0.95% daga biyan kuɗi da aka tsara ta hanyar dandalinsa, sabanin rahotanni da ke ba da shawarar kuɗin 3%.  

Cibiyar Afirka ta Manufofin Makamashi (ACEP) ta nuna damuwa game da bambancin kudi kuma ta yi kira ga binciken kai tsaye na duk biyan kuɗi da aka yi wa Hubtel a ƙarƙashin kwangilar. ACEP ta ambaci rashin daidaituwa tsakanin adadi da Hubtel ya ruwaito da waɗanda aka samu a cikin bayanan kudi na ECG.

## Kyaututtuka da Karramawa
A cikin 2019, an ba Hubtel lambar yabo ta Emerging E-commerce Initiative da Fintech Company of the Year a bikin 9th Ghana Information Technology & Telecom Awards (GITTA) da aka gudanar a ranar 28 ga Yuni.  A shekara mai zuwa, a FIN Cashless Awards a cikin 2020, an kira Hubtel "Kamfanin Digital na Shekara 

A cikin 2022, Hubtel ya sami karbuwa a Ghana Fintech Awards, ya fito a matsayin kamfani mafi yawan kyaututtuka ta hanyar samun kyaututtaka guda biyar: Kamfanin Fintech na Shekara, Kamfanin IT / Fasaha na Shekara (Fintech Platform of the Year), UI / UX Fintech Company of the Year, da kuma Mai ba da sabis na Fasahar Biya na Yea. 

## Manazarta