Google's Venture Arm Hogaaminta $200 Wareega Maalgelinta Milyan ee Bilowga Fintech Yurub
(Google's Venture Arm Hogaaminta $200 Wareega Maalgelinta Milyan ee Bilowga Fintech Yurub)
Gacan-gelinta Google ayaa si fudud hoos ugu dhacday bambaanooyin lacageed oo weyn oo ku yaal fintech globe. Waxay keentay a $200 malyan oo maalgalin ah oo loogu talagalay bilawga fintech ee Yurub ee sii kordhaya. Tallaabadani waxay calaamad u tahay kalsoonida xooggan ee aragtida iyo hal-abuurka ganacsiga. Maalgelintu maaha lacag dhab ah. Waxay muujineysaa sida ciyaartoyda teknolojiyadda waa weyn ay bangiyada ugu sameynayaan hal-abuurnimada bannaanka Silicon Valley. Muuqaalka fintech ee Yurub ayaa sii kululaanaya, iyo bixintani waxay noqon kartaa bar isbeddel ah.
Waa maxay Iibka Cududa Venture ee Google? .
Gacan-gelinta Google, loo yaqaan GV, waxay diiradda saartaa bilawga kobaca sare ee leh awood carqaladayn. Tusaale ahaan, waxay taageertay bilawga fintech ee Yurub kaas oo diiradda saaraya xarumaha bangiyada dhijitaalka ah. Bilawgu waxa uu horumariyaa agabka caawiya hay’adaha maaliyadda iyo hay’adaha maaliyadeed in ay casriyeeyaan nidaamkooda. Qalabkani waxa uu ka kooban yahay API-yada dib-u-bixinta, xaqiijinta aqoonsiga, iyo la socodka iibka wakhtiga-dhabta ah. Shirkaddu si toos ah macaamiisha uma siiso. Halkii, waxay awood u siisaa dhamaadka dambe ee xalalka maaliyadeed ee ay isticmaaleen malaayiin. Waajibkan aamusan ee muhiimka ah ayaa ka dhigaya xubin muhiim u ah bulshada maalgelinta elegtarooniga ah. Waxaad ka heli kartaa wax badan oo ku saabsan sida maalgashiyada maaliyadeed ee tignoolajiyadu ay u samaynayaan suuqyo caalami ah iyada oo loo marayo warbixino la mid ah kuwa socda qaab-dhismeedka dhijitaalka ah ayaa hoos u dhacaya.
Maxay Google's Venture Arm u dooratay bilawgan? .
GV wuxuu arkaa wax gaar ah hoos. Bilawgu waxa uu ka shaqeeyaa aag ay nidaamyada bangiyada dhaxalka ahi ku burburayaan baahida dhijitaalka ah. Codsiga software-ka hore ma maamuli karo xawaaraha maanta, amniga, ama filashooyinka shakhsi ahaaneed. Fintech Tani waxay bixisaa nadiif ah, daruur-hooyo doorasho. Si dhakhso ah ayey u kala duwan tahay oo waxay ku jirtaa si degdeg ah. Taasi waxay khusaysaa hay'adaha maaliyadeed ee u tartamaya inay ku sii jiraan ku habboonaanta. Sidoo kale, Jawiga sharci ee Yurub wuxuu taageeraa bangiyada furan, kaas oo u abuura dhul bacrin ah nidaamyadan. GV waxay u badan tahay inuu arkay diyaargarowga suuqa iyo tayada farsamada labadaba. Kooxda ka dambeysa bilowga waxaa ku jira khubaro ka socda shirkadaha ugu sarreeya ee lacagta iyo tignoolajiyada. Khibraddoodu waxay hoos u dhigtaa khatarta fulinta. Iyo sidoo kale, iyada oo kobcinta fintech ay kor u kacday Yurub oo dhan, waqtigu waa ku habboon yahay. Si loo fahmo qoto dheer oo sax ah sida siyaasaddu u saamayso horumarinta tignoolajiyada, u fiirso qiimaynta sida midda saamaynta sharciyeed ee technology.
Sidee u Shaqeeyaa Farsamada Bilawga? .
Alaabta xudunta u ah waa hab habaysan oo la hagaajiyay nakhshad adeegyadda yar yar. Muuqaal kasta– sida lacag dirida, hubinta dheelitirnaanta, ama xaqiijinta aqoonsiga– u waddaa sidii xal madax bannaan. Tani waxay ka dhigan tahay in hay'adaha maaliyadeed ay dooran karaan oo kaliya waxay u baahan yihiin. Uma baahna inay dib u habeeyaan dhammaan nidaamyada. Nidaamku wuxuu isticmaalayaa API-yada casriga ah, marka isku darka apps jira waa siman. Ilaalinta waa la dubay laga bilaabo bilowga, oo leh dhamaadka-ilaa-dhamaadka sirta iyo u hoggaansanaanta GDPR iyo shuruudaha PSD2. Habaynta macluumaadka wakhtiga-dhabta ah waxay ogolaataa in la ogaado khiyaanada degdega ah iyo degsiimo degdeg ah. Horumariyayaashu way jecel yihiin sababtoo ah dukumeentiyadu waa cad yihiin oo goobaha sandbox waxay u diyaar garoobaan isticmaalka. Cusbooneysiintu waxay soo baxdaa iyada oo aan waqti la'aan. La qabsiga Tani waa sababta macaamiishu u joogaan. Waxa kale oo ay ka hadlaysaa sababta GV u arkay qiimo waara oo dhaaftay bixitaan degdeg ah.
Codsiyada Platform Fintech ee Bangiyada dhabta ah .
Hay'adaha maaliyadeed ayaa habkan u isticmaalaya habab badan. Qaar baa u siidaaya si ay u siidaayaan abka mobaylada nooca neobank iyagoon ka soo kicin. Kuwo kale waxay u isticmaalaan inay cusboonaysiiyaan biraha dejinta ee hore si ay u joogteeyaan wareejinta degdega ah. Mid ka mid ah hay'adaha maaliyadeed ee Yurub ee waaweyn ayaa hoos u dhigay wakhtiga fuulitaanka toddobaadyo ilaa daqiiqado iyada oo ku xidhaysa moduleka xaqiijinta aqoonsiga. Dheeraad ah ayaa loo adeegsaday matoorka heshiiska si uu u bixiyo ogeysiisyada maalgashiga waqtiga-dhabta ah, kordhinta ka qaybgalka macaamiisha. Sidoo kale ciyaartoyda aan bangiga ahayn sida hay'adaha amaahda ee fintech iyo caymisyadu waxay u isticmaalaan nidaamka si ammaan ah, hababka shahaado. Nidaamku waxa uu sidoo kale caawiyaa xarumaha yaryar inay la tartamaan kooxaha waaweyn iyagoo siinaya tignoolajiyada heerka shirkadeed qiimo jaban. Sida maalgelinta dhijitaalka ah u korto, sidaas oo kale ayaa hubaal ah kuwan kiisaska isticmaali doona. Daawadayaasha suuqa ee isha ku haya isbeddelada noocan oo kale ah waxay heli karaan macnaha guud ee kheyraadka sida bulshooyinka Fintech ee soo ifbaxaya.
Su'aalaha inta badan la iska weydiiyo ee ku saabsan maalgelinta iyo bilawga .
Kani ma maalgalin maaliyadeed ee fintech ee ugu horeysay Google ee Yurub? Maya, haddana waa mid ka mid ah kuwa ugu waaweyn. GV waxa ay hore u taageertay shirkado kale oo Yurub ah oo kala duwan, inkasta oo ay dhif tahay xadkan.
Bilawga miyuu sii kordhi doonaa Yurub? Haa, Qorshayaasha hadda waxay u socdaan Maraykanka iyo Kanada iyo qaybaha Aasiya. The $200 milyan ayaa sii wadi doona riixitaankaas caalamiga ah.
Google ma helayaa kursi loox? Caadiyan, Maalgeliyayaasha hogaanka sida GV ayaa fadhiista, haddana shuruuduhu had iyo jeer maaha kuwo guud.
Maxaa ka dhigaya bilowgan ka duwan kuwa kale sida xariijimaha cas ama Plaid? Kuwaas waxay xoogga saaraan lakabyada faahfaahinta– degsiimooyinka ama helitaanka xogta. Shirkadan ayaa bixisa lakab kaabayaal buuxa oo loo habeeyey bangiyada gacanta lagu hayo.
Hal-abuurku ma yahay kheyraad furan? Maya, waa gaar, however it follows open criteria so it plays well with other systems.
The number of clients does the start-up have now? Precise numbers are confidential, however it deals with over 30 banks across 12 wadamada.
Could this cause a Google-branded financial product? Lagama yaabo. GV invests individually from Google’s core items. The goal is financial return, not assimilation into Gmail or Android.
Will user data be shared with Google? Maya. The startup keeps stringent information splitting up. GV’s role is monetary and strategic, not functional.
(Google's Venture Arm Hogaaminta $200 Wareega Maalgelinta Milyan ee Bilowga Fintech Yurub)
This financing round is greater than a heading. It shows how infrastructure-level development is coming to be the new frontier in fintech. While fancy customer apps get hold of interest, the genuine transformation happens under the hood. And with GV’s support, Bilawga Yurub wuxuu hadda u taagan yahay inuu dib u qaabeeyo sida hay'adaha maaliyadeed u shaqeeyaan adduunka oo dhan.