UGoogle weVenture Arm ukhokela $200 Isigidi seMiliyoni yezeMali kwi-Fintech Start-up yaseYurophu
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Ingalo yelinge likaGoogle ngokwenene isandula ukuwisa ibhombu yezemali ebalulekileyo kwiglowubhu ye-fintech. Yakhokelela a $200 Isigidi semali somjikelo wokuqalwa kwe-fintech yaseYurophu. Eli nyathelo aliphantse libe yimali. Ibonisa indlela itekhnoloji enkulu ebona ngayo amandla amakhulu ekubunjweni ngokutsha kwenkxaso-mali ngokusungula izinto ezintsha. Ukuqala, eqhubeka ingabizwa ngamagama kwiingxelo zokuqala kodwa ixhaswa kukubamba okuqinileyo kulo lonke elaseYurophu, ngoku ukujoyina iqela elite yeenkampani eziye zatsala umdla wenqanaba leSilicon Valley ngaphandle kweU.S. Yintoni eyenza le ndibano ikhethekileyo? Ayisiyiyo nje imilinganiselo– luphawu oluthumelayo malunga nokuba ikamva lemali lisingise phi.
Yintoni umzamo kaGoogle wokuTyala ngengalo? .
Ingalo yelinge likaGoogle, ebizwa ngokuba yiCapitalG, igxile kwiifemu zophuhliso lwasemva kwexesha ezineenguqulelo zentlangano ezivavanyiweyo kunye nobukho bemarike obuqinileyo. Kulo mzekelo, ekujoliswe kuko sisiqalo se-fintech saseYurophu esibonelela ngebhanki ye-elektroniki kunye nezibonelelo zentlawulo ezenzelwe amashishini asekhaya kunye nabasebenza ngokuzimeleyo. Eyona nto ingundoqo ijikeleza kwizivumelwano ezigudileyo zokuwela imida, ixesha lokweliso kwinkcitho, kunye neenkonzo zemali ezimiliselweyo. Ezi zixhobo zinceda abathengi ukulawula imali ngaphandle kokuxhomekeka kwiibhanki eziqhelekileyo. Inkqubo yokuqalisa ibandakanya ngqo kwiindlela ezikhoyo zokusebenza– njengenkqubo yesoftware yeakhawunti okanye iiphaneli zolawulo lwe-ecommerce– ukwenza imali ivakale ingaqapheleki kodwa iyasebenza. Unokufumana okuninzi malunga notyalo-mali lwesiza apha le ngxelo eneenkcukacha.
Kutheni uGoogle ekhetha le Fintech yokuQalisa? .
Iifemu ezinkulu zetekhnoloji ezifana neGoogle azilandeli nje umvuzo– baphuhlisa uluntu lwendalo. Ngokuthenga i-fintech, UGoogle ufumana indawo kubomi bezemali bemihla ngemihla bezigidi. Olu qaliso lukhethekileyo luzimele kuba lusombulula iintlungu zokwenyani: udluliselo olucothayo lwehlabathi, imirhumo ephezulu, kunye ne-interface ekrunky. Isiseko sayo sabathengi sikhula ngokukhawuleza phakathi kwabahambi bedijithali, amaqela akude, kunye nabathengisi be-intanethi abafuna ireyithi kunye nokulula. Ukongeza, Ubume bolawulo lwaseYurophu buphela bufumaneka ngakumbi kwinkqubela phambili, enkosi kwizakhiwo ezifana nePSD2. Oko kubonisa ukufikeleleka lula kulwazi lwebhanki kunye nokulinganisa ngokulula kunye nezisombululo zomntu wesithathu. UGoogle unokukubona oku njengentloko yaselwandle enobuchule ukunyusa iminikelo yayo yezemali– kholelwa kuGoogle Pay, kodwa inzulu kwaye ikrelekrele ngakumbi. Ixesha likwahambelana neepateni zehlabathi apho abathengi bafuna ulawulo olungakumbi kwimali yabo ngokusebenzisa izicelo abasele bezisebenzisa.
Isebenza njani iTekhnoloji yokuQala? .
Ukuqala kusebenzisa izixhobo zamafu zanamhlanje ezidityaniswe kunye nee-API ezihlakaniphile zokunamathisela iibhanki, abalungisi bentlawulo, kwaye bagqibezele abantu ngexesha lokwenyani. Xa umcebisi eBerlin ekhupha ii-invoyisi kumthengi eLisbon, inkqubo iguqula ngokuzenzekelayo iimali ngamaxabiso akufutshane nemarike, ilandelela ubume bentlawulo, kwaye igcina yonke into kwideshibhodi yomsebenzisi. Akukho maphepha. Akukho ntsuku zokulinda zokukhutshwa. Yonke into yenzeka ngemizuzwana. Ngaphantsi kwe-hood, iimodeli zokufunda koomatshini zichonga umsebenzi ongaqhelekanga ukunqanda ubuqhophololo, ngelixa iitshekhi zokuthobela ziqhuba ngokuzolileyo ngasemva-kwezigcawu ukwanelisa imigaqo-nkqubo yokulwa nokuthutyeleziswa kwemali. Ujongano lomsebenzisi luhlala lucocekile kwaye lusebenziseka lula– hayi lingo, akukho zimenyu ezibhidayo. Oku “imisebenzi nje” qhinga kungenxa yokuba ukwamkelwa kwabantwana kusasazeka ngokukhawuleza. Ayingomlingo. Luyilo olucingisisiweyo olusongelwe kwisitayile esigxile emntwini.
Zeziphi ii-Real-World Applications? .
Iinkampani ezincinci zizuza kakhulu. Cinga ngohlobo lwevenkile eParis ethengisa e-Etsy. Ngenxa ye, ngokuqinisekileyo bebeya kulinda iiveki ukuze bahlawulwe eU.S. abathengi, ulahlekelwe yimali kwiindleko zokuguqulwa, kunye nokuzama ukulungisa iintengiso kunye nenkcitho. Okwangoku, ngale nkqubo ye-fintech, imbuyekezo umhlaba ngokukhawuleza euro, iindleko zihlela ngokwazo kwixesha lerhafu, kunye nohlaziyo lwemali ekhoyo ngexesha lokwenyani. Abacebisi bayayithanda nabo. Umphuhlisi womzobo e-Barcelona osebenzela abathengi eTokyo, eToronto, kwaye iTel Aviv inokufumana zonke iintlawulo kwindawo enye, baguqule njengoko kufuneka, kwaye ikhuphe ii-IBAN zengingqi kwilizwe ngalinye. Ngaphandle kwabantu, itekhnoloji ikwavavanywa ziinkqubo zemozulu yoqoqosho lwemisebenzi ukuhlawula abaqhubi okanye abasebenzi bonikezelo ngokukhawuleza okukhulu. Kwakhona iikholeji kunye nabangenzi nzuzo bayisebenzisela ukulawula iminikelo kuyo yonke imida. Ukuba bhetyebhetye kuvula iingcango kuye nabani na osebenza ngaphaya kwenkqubo yezemali yelizwe elizimeleyo. Kwimeko ethe kratya malunga nendlela ezo nkqubo ziphucula ngayo imali yomntu, Jinga e eli bali ngezenzo zefintech ezigxile kulutsha.
Yintoni Abantu Ababuza Ngayo Olu nikezelo? .
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Abantu ngabanye banemibuzo– kwaye zininzi zazo. Enye eqhelekileyo: Ngaba uGoogle uza kuthatha indawo yokuqalisa? Impendulo nguhayi. I-CapitalG ihlala ithatha imingcipheko encinci kwaye ihlala icacile kulawulo oluthe ngqo, ukuvumela abanini bagcine ukulawula inqanawa. Enye inkxalabo: Ngaba ulwazi lwam alunamngcipheko? Ukuqala kuhambelana nemithetho engqongqo yolwazi lwe-EU njenge-GDPR kwaye isebenzisa ufihlo lwefayile yebhanki. Abasebenzisi banedatha yabo kwaye banokuyicima nangaliphi na ixesha. Abanye bayazibuza ukuba oku kuya kuphelisa amaziko emali aqhelekileyo. Hayi ngokuthe ngqo. Kunoko, Isiqalo sikholisa ukusebenzisana neebhanki ezinelayisenisi ukubamba iimali kunye nokubonelela ngokhuseleko lolawulo. Kungaphezulu kwentsebenziswano kunento ebambeleyo. Abanye babuza ngeentlawulo. Iimpawu ezininzi ezingundoqo ziyancomeka; ingeniso isuka kwizicwangciso zeprimiyamu, imali isasazeka, kunye neenkonzo zeB2B. Ekugqibeleni, abaninzi bafuna ukwazi ukuba iyafumaneka na ngaphandle kweYurophu. Izicwangciso zophuhliso ziyaqhubeka, ukanti ubunzima bolawulo buthetha ukuba iza kubakho kancinci– kuqala ukuya e-UK, emva koko kunokwenzeka eCanada naseOstreliya. Ngokumangalisayo, ngelixa i-tech titans ibeka imali kanye kwimali ye-elektroniki, eminye imimandla ibeka ixesha ekukhuleni kwamaziko. Isixeko saseNew York, umzekelo, kutsha nje kudluliselwe ukumisa amaziko olwazi amatsha iminyaka emithathu ngenxa yeenkxalabo zamandla– isikhumbuzo sokuba ukuqhubela phambili kufuneka kulingane kunye nokuzinza, njengoko igcinwe engqondweni le ngxelo.