Iinzame zikaGoogle zeArm ziKhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Ingalo yelinge likaGoogle liyakhokela $200 Isigidi senkxaso-mali kumjikelo wokuqalwa kwe-fintech yaseYurophu. Esi sihloko asiyonto nje enye ekwiticker yolwazi lweshishini. Iphawula utshintsho olubalulekileyo kwindlela iingxilimbela zetekhnoloji zehlabathi ezibheja ngayo kwikamva lemali. I-bargain ibonisa ukuzithemba okuqinileyo kumdlali okhulayo waseYurophu oqinisekisa ukuyila kwakhona indlela abantu kunye nemibutho abayikhathalela ngayo imali.. Ngeepokotho ezinzulu ezivela kwiqela lotyalo-mali lezezimali likaGoogle kunye nokugxila okubukhali ekuqaliseni izinto ezintsha, oku kuqaliswa kungoku nje kubekwe kwinqanaba elikhawulezayo nelicela umngeni kwiibhanki ezisele zimisiwe.
Ukufuduswa okunamandla okunje akwenzeki yonke imihla. Ngoko kwenzeka ntoni? Sivumele ukuba senze lula ngokucacileyo.
Yintoni iNzame kaGoogle yokuNzamela ngengalo eKhokelayo $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu? .
Ingalo yomzamo kaGoogle ibhekisa kwiCapitalG, Ingalo yokukhula equity ye Alphabet Inc., Ishishini likaGoogle loomama notata. Ngokungafaniyo nabatyali-zimali beengelosi zokuqala, Isenzo se-CapitalG xa isiqalo sibonisa ukutsalwa kwenyani kwaye silungiselela ukwanda. Kule meko, bakhokela a $200 Isigidi sotyalo-mali lwezemali ngqo kwi-fintech yaseYurophu yokuqala esele ifumene inzala ye-smart yayo, izixhobo zemali ezithe ngqo. Ukuqala, nangona ingabizwa kuzo zonke iingxelo, kuthiwa igxile kwiziseko ezingundoqo zebhanki yedijithali, iindawo zokuhlala ezinqumla imida, kunye neenkonzo zemali ezizinzisiweyo. Oku kubonisa ukuba kunceda ezinye iifemu zongeze iinkonzo zemali– njengokuboleka okanye ukubuyisela– ngqo kwizicelo zabo okanye iisayithi zewebhu. Umjikelo wenkxaso-mali uzisa ixabiso elipheleleyo lenkampani kwiibhiliyoni, iyenza ibe yenye yeefemu ezininzi ze-fintech zaseYurophu. Unokufunda ngakumbi malunga nalo mqondiso wembali apha eli khonkco lewebhu.
Kutheni umzamo kaGoogle weArm ukhokela $200 Isigidi sezeMali sokuQala kwiFintech yaseYurophu? .
Iinkampani ezinkulu zetekhnoloji ezifana noGoogle azisukeli nje ingeniso– zakha iindawo ezingqongileyo. Inkxaso-mali yinxalenye ephambili yobomi bemihla ngemihla, kwaye ngokuthenga i-fintech, UGoogle uqinisekisa indlela abantu abachitha ngayo imali, gcina, kwaye uthumele imali. IYurophu ibhenela ngokukodwa ngenxa yokuba inenkqubo yezemali ecandekileyo, izikhokelo ezingqongqo ezikhuthaza ukuqhubela phambili, kunye nokwandiswa kweminqweno yeenkonzo zoqoqosho lwedijithali. Amaziko emali aqhelekileyo kumazwe amaninzi aseYurophu awonqena ukuziqhelanisa, ukushiya indawo yokuqalisa ukuphumelela abathengi. UGoogle uyawubona lo msantsa kwaye unqwenela ukuxhasa umntu ophumeleleyo. Ukongeza, ulwazi lwefintech lunokuphucula intengiso kaGoogle, iinkonzo zamafu, kunye neemodeli ze-AI. Ngumdlalo obaliweyo, hayi nje eyemali. Ukuqonda okunzulu kwisicwangciso sikaGoogle, Jinga e olu hlahlelo lubanzi.
Iyenza njani iNzame kaGoogle yokuKhokela ingalo $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu? .
Ukukhokela kumjikelo wenkxaso-mali kuthetha ukuba i-Google CapitalG ithathe indima ephambili ekucwangciseni utyalo-mali.. Bagqiba ukuba babeke malini na, yenze izivumelwano zokuqalisa, kwaye weza nabanye abatyali-mali abohlukeneyo ukuba babhalise kunye nomjikelo. Oku kudla ngokubandakanya amagama amakhulu njengemali yoluhlu olubanzi oluzimeleyo, imali yomhlalaphantsi, okanye ezinye iinkampani ezahlukeneyo ze-equity capital. Inkqubo iqala ngokuzingisa okufanele– ukuphonononga itekhnoloji yokuqalisa, iqela, abathengi, kunye nolungelelwaniso lomthetho. Ukuba nantoni na ibonakala yomelele, umtyali-zimali okhokelayo ubeka uvavanyo kunye nolwakhiwo lwesivumelwano. Emva koko, izivumelwano ziyasayinwa, kwaye imali ingena ngaphakathi. Ukubuyisa, I-CapitalG ihlala ifumana isihlalo sebhodi okanye amalungelo okubukela, ukunika impembelelo kwizigqibo ezibalulekileyo. Esi sicwangciso-qhinga siqinisekisa ukuba utyalo-mali lwabo lwezemali lukhuselekile kwaye luqondiswe ngeenjongo ezihlala zihleli. Yonke le nkqubo ibonakalisa kanye ukuba utyalo-mali lobuchwephesha lukhule kangakanani na– kakhulu ukubheja, ubalelwano olungaphezulu olubalwe.
Usetyenziso lweGoogle yeVenture Arm Leading $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu .
Isiphumo solu nikezelo luhamba kakhulu ngaphaya kwe-balance sheet yeshishini elinye. Ekuqaleni, Isiqalo singaqesha iinjineli eziphambili ngoku, ukwanda kwizizwe ezintsha kraca, kunye nokuphuhlisa ukhuseleko olungcono kunye neenkqubo zokuthobela. Isibini, Iinkampani ezincinci kulo lonke elaseYurophu zinokufikelela ngokukhawuleza, izixhobo zokuhlawula ezingabizi kakhulu okanye amanqaku etyala ngoko nangoko kunye nenkqubo yokuqalisa. Isithathu, abathengi banokubona imisebenzi emitsha kwizicelo zemihla ngemihla– njengokuchitha imali kwisabelo sokukhwela okanye ukophula amatyala esidlo sangokuhlwa– inikwe amandla sesi siseko sefintech. Kwakhona iinkampani ezingezizo ezemali, ezifana neevenkile zokuthenga okanye iinkqubo zemozulu yezoqoqosho emsebenzini, inokuzinzisa izisombululo zemali ngaphandle kokuba zibe ziibhanki ngokwazo. Lo mzekelo, ebizwa “inkxaso-mali edibeneyo,” ikhula ngokukhawuleza. Kwaye ngenkxaso kaGoogle, inokuba yinto yemveli kwilizwekazi liphela. Ngokumangalisayo, ngelixa iteknoloji iphucula inkxaso-mali, ezinye iindawo ezahlukeneyo zibetha iziqhoboshi– njengeNew York, esandula ukutshintshela ukumisa amaziko edatha amatsha 3 iminyaka, njengoko kuxeliwe ngezantsi. Lo mahluko ubonisa indlela ngeendlela ezahlukeneyo oorhulumente bomdibaniso abawujonga ngayo umsebenzi wetekhnoloji kwimimandla ebalulekileyo.
Imibuzo edla ngokubuzwa malunga neGoogle Venture Arm Leading $200 Isigidi seMiliyoni yezeMali kwi-Fintech Start-up yaseYurophu .
Ngaba olu lutyalo-mali lokuqala lwe-fintech lwezemali lukaGoogle eYurophu? Hayi. UGoogle uye waxhasa inani leenkampani zefintech ngaphambili, nangona kunjalo le yenye yeebhanki zayo ezinkulu ezizimeleyo kumdlali waseYurophu.
Ngaba oku kuqaliswa kuya kuba yibhanki? Ngokunokwenzeka akunjalo. Uninzi lwefintechs lwangoku luhamba neebhanki eziqeqeshiweyo endaweni yokufuna ezabo iitshatha. Bagxininisa ekuqaliseni izinto ezintsha kunye namava abathengi, ngelixa amaziko emali ekhathalela ukuthotyelwa kwemithetho kunye nokubamba iidiphozithi.
Ngaba oku kuthetha ukuba uGoogle uzakwazisa ibhanki yakhe? Akunakwenzeka. UGoogle ukhetha ukuvumela abanye ngokuchasene nokuqhuba iinkonzo zoqoqosho ngokuthe ngqo. Injongo yabo kukuba ibe yinjini emva komboniso, hayi uphawu olungaphambili.
Oku kubachaphazela njani abasebenzisi besiqhelo? Ngexesha elifutshane, hayi kakhulu. Nangona kunjalo ngokuhamba kwexesha, ungasebenzisa usetyenziso oluziva lugudileyo ngokwenene, amatyala ancitshisiweyo, okanye unikeze izixhobo zohlahlo lwabiwo-mali ezikrelekrele– zonke zixhaswe bubuchwephesha bokuqalisa.
Ngaba $200 Isigidi semali enkulu kumjikelo we-fintech? Ewe, ngakumbi kwindawo yanamhlanje yotyalo-mali enononophelo. Uninzi lwedabi lokuqalisa ukwanda nalo $20 izigidi. A $200 Umjikelo wesigidi okhokelwa ngegama elifana noGoogle uthumela umqondiso osebenzayo kubakhuphisana kunye nabathengi ngokufanayo.
Ngaba oku kunokubangela utyalo-mali oluthe kratya lwe-united state tech eYurophu? Kunokwenzeka kakhulu. Ukuba le ndibano iyaphumelela, iya kukhuthaza ezinye izigebenga zaseMelika– njengeAmazon, apile, okanye iMicrosoft– ukujonga nzulu amathuba e-fintech yaseYurophu. Umxube wendawo yokukwazi, isikhokelo, kunye nemfuno yemarike yenza ukuba ivuthwe ukuze iphazamiseke.
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Ziziphi izisongelo ezibandakanyekileyo? Ummiselo ngowona mkhulu. Imigaqo-mali yaseYurophu ingqongqo kwaye inokutshintsha ngokukhawuleza. Ngokunjalo, ukuba isiqalo sandisa ngokukhawuleza ngaphandle kolawulo olunamandla, inokujongana nobuqhetseba, ukusilela, okanye ukophulwa kwedatha. Kungenxa yoko le nto imiba yokubandakanyeka kukaGoogle– bazisa ukuzeyisa kunye neendlela ezingcono zamazwe ngamazwe.