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随着智能手机融资跳跃,如此滥用计划
滥用计划削减了两方面的作用:零售商寻求满足目标和一个额外的巴克通过聚合器以及客户欺骗零售商的货物用的是伪造单据翻转设备融资现金在市场上买的,说印度手机零售商协会(AIMRA)。身体代表全国150000个手机零售商。
滥用计划削减了两方面的作用:零售商寻求满足目标和一个额外的巴克通过聚合器以及客户欺骗翻转零售商的货物用的是伪造单据设备融资现金在市场上买的,说印度手机零售商协会(AIMRA)。身体代表全国150000个手机零售商。
“聚合器是绳子在低收入群体的人,他们没有害怕失去信用评分用分期付款方式购买手机同时从多个地方,利用延迟更新数据库的nbfc(非银行金融公司),“西德里零售商告诉等。
“设备然后在灰色市场出售,购买没有索要发票,以换取现金,而聚合器默认的分期付款,导致锁定手机。将近10 - 12%的智能手机购买通过融资计划出售几乎立即在灰色市场,”零售商说。
这些天大多数品牌试图推动融资计划当客户买了手机,开始鼓励通过超市夜未眠和其他报价。这是因为利息纳入价格,尤其是在中高端手机。大约60 - 70%的人倾向于购买智能手机在工作,这一数字增加了各地30 - 40%大流行以来,在1月16日版报道,援引行业估计。
AIMRA写了多个非银行金融机构提醒他们滥用。“这样的产品苹果iPhone融资客户但是,现金利润扣除保证金,”其中一个字母表示。这封信进一步声称,一些零售商使用其他电器融资融资计划提供智能手机的客户需求较低的首付。
然而,尽管安卓智能手机允许应用程序锁定电话如果不支付分期付款,苹果的iOS在iphone不允许任何这样的可能性,使他们一个简单的骗子的目标。
邮件主要智能手机品牌,包括苹果,nbfc寻求评论才引起响应新闻时间。
零售商协会的沟通nbfc和智能手机品牌,建议使用智能手机除非函数如果分期付款不付费,地理标记单位跟踪客户违约和升级控制单位的风险跟踪故意违约者网络取证能力。
nbfc,他们经常阻止零售商发现滥用这样的计划,但只有当它发现默认的多个实例从一个特定的零售商。nbfc像巴贾杰Finserv已经开始驾驶的使用应用程序强制安装在智能手机来追踪付款。当用户违约,警告和最终锁定手机应用问题。
零售商身体表盘CCI,称三星参与反竞争行为
CCI主席在信中寄给零售商的身体说三星违反了竞争法”滥用其支配地位提供不平等的待遇和零售合作伙伴抓住商机,将客户在其平台上通过滥用他们的数据”。
但零售商的身体说nbfc精益风险控制团队和只能跟踪欺诈活动是否由系统标记。
然而,实例的数量只是上升,从多个消费者论坛投诉就很明显。
消费者投诉论坛显示一连串的事件,客户购买了二手智能手机第三方市场找到他们的设备锁定几个月后分期付款的付款证书。
市场专家表示,尽管总体方案的实践仍然很小的事情,这是一个不断上升的关注融资方案为高端设备在不断增长的需求激增。滥用为这些设备创建一个二级市场价格略低,但风险高得多。
“它还创建了一个为智能手机品牌销售数据不匹配,并可能导致额外的利息与免费EMI nbfc从品牌手机,实际上没有售出,”Sharma说。
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<\/figure>New Delhi: As use of financing schemes<\/a> to buy smartphones jump in India, instances of misuse of such plans have surged. Smartphone retailers allege that 10-12% of all purchases made using financing schemes are used for cash funding. This, experts say, leads to financial losses, grey market sales and many customers end up with locked handsets.The misuse of the schemes cuts both ways: retailers looking to meet targets and making an extra buck through aggregators as well as customers duping retailers with fake documents to flip devices<\/a> bought on financing for cash in the market, said All India Mobile Retailers Association<\/a> (AIMRA). The body represents 150,000 mobile handset retailers across the country.
\u201cAggregators are people who rope in low-income groups, who have no fear of losing credit scores to buy phones on instalments simultaneously from multiple places, taking advantage of the delay in updating the databases by the NBFCs (non-banking finance company),\u201d a west Delhi-based retailer told ET.
<\/div><\/div>For customers struggling for cash, this becomes a means to acquire a personal loan at minimal or no interest rates, said Ajay Sharma, smartphone industry consultant. Some choose to pay back in instalments but some also default, which leads to locked devices flooding the market.
\u201cThe devices are then sold off in grey markets, which buy without asking for an invoice, in exchange for cash, while the aggregators default on the instalments, leading to locked phones. Nearly 10-12% of all smartphones purchased through financing schemes are sold off almost immediately in the grey markets,\u201d the retailer said.
Most brands these days try to push for financing schemes when a customer buys a phone, by incentivising through cashbacks and other offers. That\u2019s because the interest charges are factored into the price, especially in case of premium phones. Around 60-70% people prefer to buy smartphones on EMIs, a number that has increased from around 30-40% since the pandemic, ET reported in its January 16 edition, citing industry estimates.
AIMRA has written to multiple non-banking financial institutions alerting them of the misuse. \u201cA product like Apple iPhone<\/a> is financed to customers but in place, cash is given after deducting the margin of profit,\u201d one of the letters said. The letter further alleged that some retailers use financing schemes offered on other appliances to finance smartphones to customers who demand a lower down payment.
\u201cThe devices are then sold off in grey markets, which buy without asking for an invoice, in exchange for cash, while the aggregators default on the instalments, leading to locked phones. Nearly 10-12% of all smartphones purchased through financing schemes are sold off almost immediately in the grey markets,\u201d the retailer said.
Most brands these days try to push for financing schemes when a customer buys a phone, by incentivising through cashbacks and other offers. That\u2019s because the interest charges are factored into the price, especially in case of premium phones. Around 60-70% people prefer to buy smartphones on EMIs, a number that has increased from around 30-40% since the pandemic, ET reported in its January 16 edition, citing industry estimates.
AIMRA has written to multiple non-banking financial institutions alerting them of the misuse. \u201cA product like Apple iPhone<\/a> is financed to customers but in place, cash is given after deducting the margin of profit,\u201d one of the letters said. The letter further alleged that some retailers use financing schemes offered on other appliances to finance smartphones to customers who demand a lower down payment.
<\/div><\/div>A smartphone industry executive who wished to remain anonymous though downplayed the claim, stating there is now a statutory documentation regime in place to prevent such fraud, and that the delinquency rate is much lower for Apple<\/a> than the industry standard.
However, while Android<\/a> smartphones allow for apps to lock down a phone if instalments are not paid, Apple\u2019s iOS does not allow for any such possibility in iPhones, making them an easy target for fraudsters.
Emails to leading smartphone brands, including Apple, and NBFCs seeking comments did not elicit a response until press time.
The retailer association, in its communication to NBFCs and smartphone brands, has suggested the use of a smartphone barring function if the instalments are not paid, geotagging units to trace customers who have defaulted and upgrading the risk containment units with cyber forensic capabilities to track wilful defaulters.
NBFCs, on their part, regularly block retailers found misusing such schemes, but only when it discovers multiple instances of default from one particular retailer. NBFCs like Bajaj Finserv have started piloting the use of apps mandatorily installed in smartphones to track payments. When the user defaults, the app issues warnings and eventually locks down the phone.
However, while Android<\/a> smartphones allow for apps to lock down a phone if instalments are not paid, Apple\u2019s iOS does not allow for any such possibility in iPhones, making them an easy target for fraudsters.
Emails to leading smartphone brands, including Apple, and NBFCs seeking comments did not elicit a response until press time.
The retailer association, in its communication to NBFCs and smartphone brands, has suggested the use of a smartphone barring function if the instalments are not paid, geotagging units to trace customers who have defaulted and upgrading the risk containment units with cyber forensic capabilities to track wilful defaulters.
NBFCs, on their part, regularly block retailers found misusing such schemes, but only when it discovers multiple instances of default from one particular retailer. NBFCs like Bajaj Finserv have started piloting the use of apps mandatorily installed in smartphones to track payments. When the user defaults, the app issues warnings and eventually locks down the phone.