Google Venture Arm Leads $200 Kuzungulira Kwandalama Miliyoni ku Europe Fintech Start-up
(Google Venture Arm Leads $200 Kuzungulira Kwandalama Miliyoni ku Europe Fintech Startup)
Gulu la Google lachitapo kanthu pazachuma padziko lonse lapansi la fintech. Zinatsogolera a $200 miliyoni zozungulira ndalama zoyambira kukwera kwa fintech ku Europe. Kusuntha uku sikuli pafupifupi ndalama. Zikuwonetsa momwe ukadaulo wawukulu umawonera kuthekera kwakukulu pakukonzanso ndalama kudzera mwaukadaulo. Chiyambi, zomwe zikupitilizabe kutchulidwa m'malipoti oyambilira koma zimathandizidwa ndi kulimba kolimba ku Europe konse, tsopano alowa nawo gulu lamakampani osankhika omwe akopa chidwi cha Silicon Valley kunja kwa U.S. Zomwe zimapangitsa kuti izi zikhale zapadera? Sikuti ndi gawo chabe– ndi chizindikiro chomwe chimatumiza za komwe tsogolo la ndalama likupita.
Kodi Google's Endeavor Arm Investing In?? .
Ntchito ya Google, amatchedwa CapitalG, imayang'ana kwambiri makampani otukuka mochedwa omwe ali ndi mitundu yoyesedwa yamabungwe komanso kukhalapo kwa msika wolimba. Munthawi imeneyi, Cholinga chake ndi kuyambika kwa fintech ku Europe komwe kumapereka mabanki amagetsi ndi zolipirira zomwe zimapangidwira mabizinesi am'deralo ndi odziyimira pawokha. Chinthu chachikulu chimazungulira pamalonda osalala a malire, kuyang'anira ndalama zenizeni, ndi ntchito zandalama zokhazikika. Zida izi zimathandiza makasitomala kusamalira ndalama popanda kudalira mabanki wamba. Dongosolo loyambira limaphatikizanso ndimayendedwe omwe alipo– monga pulogalamu yowerengera ndalama kapena mapanelo owongolera ecommerce– kupangitsa kuti ndalama ziziwoneka ngati zosawoneka koma zothandiza. Mutha kudziwa zambiri za Investment iyi patsamba izi mwatsatanetsatane Kuphunzira.
Chifukwa chiyani Google Inasankha Kuyamba kwa Fintech? .
Makampani akuluakulu aukadaulo monga Google samangopeza ndalama zokha– akupanga madera achilengedwe. Pogula fintech, Google imapeza mwayi pazachuma za tsiku ndi tsiku za mamiliyoni. Kuyambika kwapadera kumeneku kumasiyana chifukwa kumathetsa zowawa zenizeni: kusamuka kwapang'onopang'ono padziko lonse lapansi, malipiro apamwamba, ndi mawonekedwe a clunky. Ogula ake akukula mofulumira pakati pa oyendayenda a digito, magulu akutali, ndi pa intaneti ogulitsa omwe amafunikira mtengo ndi kuphweka. Kuwonjezera, Zowongolera zaku Europe zikutha kukhala zowonjezereka kuti zipitirire patsogolo, chifukwa cha zomangamanga monga PSD2. Izi zikuwonetsa kupezeka kosavuta kwa zidziwitso za banki komanso kufananizidwa bwino ndi mayankho a chipani chachitatu. Google mwina ikuwona izi ngati mutu wam'mphepete mwa nyanja kuti uwonjezere zopereka zake zachuma– khulupirirani Google Pay, komabe mozama komanso mwanzeru. Nthawiyi imagwirizananso ndi njira zapadziko lonse lapansi pomwe makasitomala amafuna kuwongolera ndalama zawo kudzera pamapulogalamu omwe amagwiritsa ntchito kale.
Momwe teknoloji Yoyambira Imagwira Ntchito? .
Kuyamba kumagwiritsa ntchito zida zamakono zamtambo zophatikizidwa ndi ma API anzeru kulumikiza mabanki, malipiro mapurosesa, ndi kumaliza anthu pa nthawi yeniyeni. Pamene mlangizi ku Berlin amalipira kasitomala ku Lisbon, makinawo amasintha ndalama pamitengo yapafupi ndi msika, amatsata momwe angabwezere, ndikulowetsa zonse mu dashboard ya wosuta. Palibe mapepala. Palibe masiku odikira chilolezo. Zonse zimachitika mumasekondi. Pansi pa hood, makina ophunzirira makina amazindikira zochitika zachilendo kuti apewe chinyengo, pomwe macheke akutsatiridwa amayendetsa modekha kumbuyo kwazithunzi kuti akwaniritse mfundo zotsutsana ndi kuba ndalama. Mawonekedwe a ogwiritsa ntchito amakhalabe aukhondo komanso osavuta kugwiritsa ntchito– ayi lingo, palibe menyu osokoneza. Izi “ntchito basi” strategy ndichifukwa chake kulera kukufalikira mwachangu. Simatsenga. Ndilo lingaliro lolingalira lokulungidwa mu kalembedwe ka anthu.
Kodi Real-World Application Ndi Chiyani? .
Makampani ang'onoang'ono amapindula kwambiri. Ganizirani za mtundu wa sitolo ku Paris womwe ukugulitsidwa pa Etsy. Pambuyo pa, iwo angadikiredi milungu ingapo kuti alipidwe kuchokera ku U.S. makasitomala, kutaya ndalama pamtengo wotembenuka, ndi kuvutika kukonza malonda ndi ndalama. Panopa, ndi fintech system iyi, kubweza kumafika ma euro mwachangu, ndalama zimangogawaniza nthawi yamisonkho, ndi mawonedwe a kayendedwe ka ndalama amasinthidwa munthawi yeniyeni. Alangizi amachikondanso. Wojambula zithunzi ku Barcelona akugwira ntchito kwa makasitomala ku Tokyo, Toronto, ndipo Tel Aviv ikhoza kupeza ndalama zonse pamalo amodzi, sinthani ngati pakufunika, ndikutulutsanso ma IBAN amdera lililonse kudziko lililonse. Pamwamba pa anthu, ukadaulo ukuwunikidwanso ndi machitidwe azachuma pantchito kuti azilipira madalaivala kapena ogwira ntchito yobereka mwachangu. Komanso makoleji ndi osapindula amazigwiritsa ntchito kuyang'anira zopereka m'malire onse. Kusinthasintha kumatsegulira zitseko kwa aliyense amene akugwira ntchito m'dziko lokhalokha lazachuma. Kuti mudziwe zambiri za momwe machitidwewa akuwongolera ndalama zapayekha, yang'anani mu nkhani iyi yokhudzana ndi zochita za fintech za achinyamata.
Kodi Anthu Akufuna Chiyani Pazopereka Izi? .
(Google Venture Arm Leads $200 Kuzungulira Kwandalama Miliyoni ku Europe Fintech Startup)
Anthu ali ndi mafunso– ndi ambiri a iwo. Mmodzi wamba ndi: Kodi Google iyamba kuyambiranso? Yankho ndi ayi. CapitalG nthawi zambiri imatenga ziwopsezo zazing'ono ndikukhala osayang'anira mwachindunji, kulola eni ake kukhalabe owongolera sitimayo. Nkhawa ina: Zambiri zanga zilibe chiopsezo? Kuyambako kumagwirizana ndi malamulo okhwima a EU monga GDPR ndipo amagwiritsa ntchito kubisa kwamafayilo a banki.. Ogwiritsa ntchito ali ndi data yawo ndipo amatha kuyifuta nthawi iliyonse. Ena amadzifunsa ngati izi zidzathetsa mabungwe azachuma. Osati mwachindunji. M'malo mwake, oyambitsa nthawi zambiri amalumikizana ndi mabanki omwe ali ndi chilolezo kuti asunge ndalama ndikupereka chindapusa. Ndilo mgwirizano wochulukirapo kuposa cholowa m'malo. Ena amafunsa za fees. Zambiri zoyambira ndizowonjezera; ndalama zimachokera ku mapulani a premium, ndalama zikufalikira, ndi ntchito za B2B. Pomaliza, ambiri akuyenera kudziwa ngati akupezeka kunja kwa Europe. Mapulani achitukuko ali mkati, komabe zovuta zowongolera zikutanthauza kuti ziwoneka pang'onopang'ono– woyamba ku UK, pambuyo pake mwina Canada ndi Australia. Chodabwitsa, pomwe ma tech titans amaika ndalama mu ndalama zamagetsi, madera ena akuwononga nthawi pakukula kwa malo. New York City, Mwachitsanzo, posachedwapa anasamutsidwa kuyimitsa zipangizo zatsopano kwa zaka zitatu chifukwa cha nkhawa mphamvu– chikumbutso kuti kupita patsogolo kuyenera kukhala kogwirizana ndi kukhazikika, monga kukumbukira mu lipoti ili.