Google's Venture Arm Jagoranci $200 Zagayewar Tallafin Kuɗaɗen Miliyoyin a Farawar Fintech na Turai
(Google's Venture Arm Jagoranci $200 Zagayen Tallafin Miliyoyin a Farawar Fintech na Turai)
Menene farkon fintech na Turai wanda kawai ya karu $200 miliyan
Farawa na fintech na Turai da ake kira Flowly ya kare mai yawa $200 miliyan a cikin sabon kudi. Babban hannun jari na Google ne ya jagoranci zagayen, Kasuwancin Gradient. Tafiya ba shine aikace-aikacen kuɗin ku na yau da kullun ba. Yana ba da dandamali mai wayo wanda ke taimaka wa ƙananan kamfanoni da matsakaicin girma don kula da kwararar kuɗi, lissafin kuɗi ta atomatik, da samun damar yin amfani da iyakacin kiredit nan take bisa bayanan yarjejeniyar lokaci-lokaci. Tun bayan kaddamar da shi shekaru uku a baya, Flowly a zahiri ya girma cikin shiru a cikin Jamus, Faransa, da Netherlands. Yanzu, tare da wannan sabon babban harba, yana shirin yin girma da sauri a duk faɗin nahiyar. Kuna iya samun ƙarin bayani game da wannan tayin akan Farashin MIS-Asia.
Me yasa hannun ƙoƙarin Google ya zaɓi saka hannun jari a Flowly
Google ba ya juyar da tsabar kudi a hankali. Ƙungiyar ƙoƙarinta, Slope Ventures, yana mai da hankali kan farawa-farko tare da tsarin fasaha mai ƙarfi da bayyanannun darussa don tasirin kasuwa. A hankali suka kama ido tunda ya warware ainihin abin rashin jin daɗi: rashin tabbas na tsabar kuɗi ga ƙananan 'yan kasuwa. Yawancin waɗannan kamfanoni suna kokawa don samun lamunin mota daga daidaitattun cibiyoyin hada-hadar kuɗi sakamakon rashin tarihin bashi ko jingina. Flowly yana amfani da mai yin bincike don bincika tallace-tallace na yau da kullun, tsarin biyan kuɗi, da dabi'un abokin ciniki don amfani da zaɓuɓɓukan kuɗi masu ƙarfi. Wannan dabarar tana daidaitawa tare da faffadan tsarin Google don matsar da tallan da ya wuce kuma daidai cikin aiki, Kayan aikin kamfani na AI. Don ƙarin zurfin fahimta kan yadda ƙirar ainihin kamfanin Google ke ci gaba, duba wannan bincike akan MIS-Asiya.
Kamar yadda fasahar zamani ta Flowly ke aiki a zahiri
Haɗin kai kai tsaye zuwa shirin software na lissafin kamfani, dubawa asusu, da kuma biyan kuɗi kamar Red stripe ko PayPal. Da zarar an haɗa, tsarinsa yana ci gaba da bincike kan kudaden shiga da waje. Idan kantin kek ya ga karuwa a tallace-tallacen hutun karshen mako, Flowly na iya ɗaukan ƙayyadaddun ƙimar kiredit ɗin da ake bayarwa don siyan kayayyaki. Idan mai ƙira mai zaman kansa yana da lissafin kuɗi na kowane wata amma abokan ciniki masu jinkirin biyan kuɗi, Tafiya na iya ci gaba har zuwa 80% na ƙimar lissafin kuɗi a cikin sa'o'i. Gabaɗayan hanya ta atomatik ce, lafiya da aminci, kuma baya buƙatar takarda. Bayan fage, Algorithms na Flowly suna haɓaka ƙimar haɗari kowace rana, don haka sharuɗɗan kuɗi sun kasance masu gaskiya da kuma amsawa. Wannan ba bankin lantarki ba ne kawai– basirar tattalin arziki mai daidaitawa ce da aka gina don tattalin arzikin zamani.
Aikace-aikace na dandalin Flowly a cikin yanayin kamfani na ainihi
Kananan kantuna, masu ba da sabis na kan layi, da kuma cibiyoyin motsa jiki na cikin gida sun riga sun yi amfani da Flowly don haɓaka kuɗin su. Wani mashaya kofi na Berlin ya yi amfani da Flowly don kiyaye lamunin mota na ɗan gajeren lokaci a lokacin sanyin sanyi., sannan ya biya da sauri da zarar yawon shakatawa na rani ya samu. Alamar kasuwancin e-commerce ta Faransa ta yi amfani da dandamali don ba da kuɗin odar ƙira ta Jumma'a ta Black Friday bayan Flowly ta sami hawan buƙatun mabukaci daga yanayin siyayyar da suka gabata.. Bashin da ya gabata, Flowly bugu da žari taimaka abokan ciniki hasashen tsabar kudi karancin makonni a gaba, aika shawarwarin biyan kuɗi na kwamfuta, da kuma daidaita asusun ba tare da samun damar shiga ba. Waɗannan halayen suna adana lokaci, rage damuwa, da kuma ci gaba da harkokin kasuwanci ko da lokacin da riba ke raguwa kwatsam. A takaice, Yawo yana aiki kamar mataimaki na matukin jirgi– kallo akai-akai, akai-akai duk saita don taimakawa.
Tambayoyin da ake yawan yi game da Flowly da jarin Google
Shin Flowly cibiyar kudi ce? A'a. Flowly dandamali ne na fintech wanda ke haɗin gwiwa tare da cibiyoyin kuɗi da aka amince da su don samar da hanyoyin lamuni. Ba ya riƙe ajiya ko fitar da kuɗin kansa.
Wannan zai iya amfani da Flowly? Yau, yana buɗe wa kamfanoni masu izini a cikin EU tare da aƙalla watanni shida na tarihin ma'amala. Masu mallaka kaɗai da ƙananan kamfanoni duka sun cancanci.
Shin Google yanzu ya mallaki Flowly? A'a. Gradient Ventures ya jagoranci zagayen bayar da kuɗaɗen amma ya ɗauki gungu na tsiraru. Tashin hankali ya kasance ɗaya-daya ta ƙungiyar farawa.
Shin bayanina yana amintacce tare da Flowly? Ee. Tsarin yana amfani da tsaro na darajar banki kuma ya bi ka'idojin GDPR da PSD2. Mutane suna sarrafa abin da aka raba bayanai kuma suna iya cire haɗin kowane lokaci.
(Google's Venture Arm Jagoranci $200 Zagayen Tallafin Miliyoyin a Farawar Fintech na Turai)
Za a faɗaɗa a waje da Turai? Wannan shine dabarun. Tare da $200 miliyan a banki, ci gaban duniya– musamman dama a cikin Burtaniya da kudu maso gabashin Asiya– ana tsammanin a cikin masu zuwa 18 watanni. Alamun farko sun nuna Flowly na iya zama sunan duniya a cikin ƙananan kuɗin kasuwanci, kamar yadda yanayin lafiyar Apple ke karuwa daidai cikin bin diddigin glucose, kamar yadda aka samfoti a ciki Sabunta fasahar MIS-Asiya.