Iinzame zikaGoogle zeArm ziKhokela $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 yezoqoqosho ebalulekileyo kwiglowubhu ye-fintech. Yakhokelela a $200 Isigidi semali somjikelo wokuqalwa kwe-fintech yaseYurophu ekhula ngokukhawuleza. Esi senzo sibonisa ukuzithemba okuqinileyo kumbono wenkampani kunye nokutsha. Utyalo-mali aluphantse lube yimali. Ibonisa ukuba abadlali betekhnoloji enkulu babhankisha kwizinto ezintsha kwizisombululo zemali ngaphandle kweqamza leSilicon Valley eliqhelekileyo. Ukuqala, ehlala ingatyhilwa kwiirekhodi zangaphambili, Kuthiwa ilungisa ngokutsha indlela abathengi kunye nemibutho abanxibelelana ngayo nemali kwiYurophu iphela.
Igama elingundoqo lemveliso elivela kwisihloko “ukuqaliswa kwe-fintech.” Eli binzana lithimba intliziyo yebali: oselula, ifemu esebenzayo isebenzisa itekhnoloji ukuphazamisa inkxaso-mali esemgangathweni. Ngezantsi, sicalula yonke into encinci odinga ukuyazi malunga noku kukhula ngee-engile ezintlanu ezibalulekileyo.
Yintoni iFintech yokuQala? .
Ukuqala kwe-fintech lishishini elitsha elisebenzisa itekhnoloji yale mihla ukukhulisa okanye ukuzenzela izisombululo zemali.. Ezi nkampani zihlala zigxila kwimimandla efana nokuhlawula, ukuboleka, imali yomntu, ipolisi ye-inshorensi, okanye blockchain. Ngokungafaniyo neebhanki zesikolo esidala, abaqalisi be-fintech bakha izisombululo zedijithali-zokuqala. Bajonge ukwenza izixhobo zemali ngokukhawuleza, zitshiphu, kwaye kulula kakhulu ukuyisebenzisa. Uninzi lusebenza ngokupheleleyo kwi-intanethi, ngaphandle kwamasebe abonakalayo. Indawo ye-fintech yaseYurophu iqhume kutshanje, kunye namaziko eLondon, eBerlin, kunye neParis ekhokela umrhumo. Oku kutsha nje $200 Isipho sesigidi sityhila ukuba oosozimali behlabathi babona amandla okwenyani kwaba baqalayo.
Kutheni le nto uGoogle ezama iArm Investment $200 Isigidi? .
Ingalo yelinge likaGoogle, ebizwa ngokuba yiGV (ngaphambili Google Ventures), ayitshizi $200 million ngobunono. Izama ukufumana iziqalo ngokukhula okuqinileyo, amaqela akrelekrele, kunye ne-scalable tech. Kulo mzekelo, Ukuqaliswa kwe-fintech yaseYurophu kunokwenzeka ukuba kubonise ukutsala okumangalisayo– kunokwenzeka ukuba baninzi abathengi, imivuzo eqinileyo, okanye intsebenziswano namaziko amakhulu emali. UGoogle ukwathatha ithuba lokuba nomngcipheko kwikamva lenkxaso-mali yedijithali. Njengoko abantu abaninzi belawula imali ngee-apps, ukuba nento yalo mxokomelwano wendalo kwenza ingqiqo ebalulekileyo. Kwaye kwakhona, Ubume obulawulayo baseYurophu bukhula, ikwenza kukhuseleke ngakumbi kubatyali-mali abakhulu ukuba bangene. Unokufunda ngakumbi malunga nendlela ebanzi kaGoogle kutyalo-mali lwetekhnoloji ngezantsi.
Isebenza njani le Fintech Qalisa? .
Ngelixa iinkcukacha ezipheleleyo zisaphantsi kwamaqweqwe, eyona fintech isebenzayo yabelana ngeempawu ezifanayo. Basebenzisa ikhompyuter yelifu, kukubhadla okungeyonyani, kunye noyilo oluphathwayo ukunika amava agudileyo. Umzekelo, Ifemu inokubonelela ngokukhawuleza ngeentlawulo ezinqamlezayo kunye neendleko eziphantsi, okanye amanqaku etyala aqhutywa yi-AI kwiinkampani ezincinci ezingahoywanga ngababolekisi abaqhelekileyo. Inkqubo yayo inokuthi iqhagamshele ngokuthe ngqo ekujongeni iakhawunti ngee-API ezikhuselekileyo, ukuvumela abathengi balandele iindleko, gcina ngoko nangoko, okanye utyale imali ngempompo enye. Undoqo kukulula. Abasebenzisi soze bazive belahlekile okanye boyisiwe. Emveni kwenkqubo, ukhuseleko oluluqilima kunye nokufunyanwa kobuqhophololo gcina nantoni na ikhuselekile. Lo mxube wokulula kunye nokhuseleko kunye nokhuseleko yinto ezisa abathengi kunye nabaxhasi bemali njenge-GV.
Usetyenziso lweTekhnoloji yokuQala yeFintech .
Izicelo zibanzi kwaye ziyanda. Kubathengi bemihla ngemihla, Ukuqalisa kunokubonelela ngezixhobo zohlahlo lwabiwo-mali ezifunda imikhwa yeendleko kunye nokucebisa ukhetho olukrelekrele. Kubasebenzi be-freelancers kunye nabasebenzi, inokubonelela nge-invoyisi ekhawulezileyo kunye noqikelelo lokuhamba kwemali. Amashishini asekuhlaleni anokufumana ukufikelela kwizixhobo zokusebenza ngaphandle kokulinda iiveki zogunyaziso lwebhanki. Kuluhlu olukhulu, Inguqulelo entsha inokunceda oorhulumente bomdibaniso basasaze iintlawulo zentlalo-ntle ngokukhawuleza okanye bavumele abasweleyo balandele iminikelo ngexesha lokwenyani.. Kwiimarike ezivelayo ngaphakathi eYurophu, njengeRomania okanye iGrisi, ezi zixhobo zinokuzisa abantu abangabhanganga kwimeko yezoqoqosho yedijithali. Imiphumo ye-ripple idlula ukukhululeka– banokunyusa ukufakwa kwemali kunye nokomelela kwezemali. Okungakumbi malunga nendlela utshintsho lwetekhnoloji oluchaphazela ngayo iinkqubo zehlabathi inokufunyanwa apha.
FAQs Malunga ne $200 Izigidi zeBargain kunye neFintech Startup .
Ngaba le yeyona fintech inkulu ethengisa iYurophu kulo nyaka?
Iphakathi kwezona zinkulu. Ngelixa izikhundla ezichanekileyo zixhomekeke kubhengezo lokugqibela, a $200 million Collection B okanye C umjikelo kunqabile kwaye imiqondiso umfutho obalulekileyo.
Ngubani omnye otyale imali ngaphandle kwengalo kaGoogle yokuzama?
Iirekhodi zixoxa ngokuzibandakanya kwezinye iifemu ezikumgangatho ophezulu kwaye mhlawumbi ibhanki yaseYurophu ifuna ukwenza iziseko zayo zibe zisimanjemanje.. Abatyali-zimali abadibeneyo badla ngokuzisa ubuchule borhwebo, hayi imali nje eyimali.
Ngaba ukuqaliswa kuya kwandisa kwiYurophu?
Mhlawumbi. Uninzi lweefintech zaseYurophu ezixhaswa ngemali kakuhle zijolise kwi-united state, ilatin America, okanye kuMzantsi-mpuma Asia olandelayo. I-U.S. imarike, ukuthi ngqo, isebenzisa isikali esikhulu– ukanti ukhuphiswano olongezelelweyo.
Ngaba oku kuthetha ukuba uGoogle ungena ebhankini?
Hayi ngqo. I-GV isebenza ngokuzimeleyo kwiimveliso eziphambili zikaGoogle. Kusenjalo, idatha kunye nokudityaniswa kunokuvela ekugqibeleni kuGoogle Pay okanye kwi-Android Financing. Gcina iliso kuhlaziyo lwexesha elizayo olufana nolugqunyiweyo apha.
Ngaba oku kuya kubachaphazela njani abantu abaqhelekileyo?
Iimpawu ezingcono kakhulu, iindleko ezincitshisiweyo, kunye nophuhliso olungaphezulu. Abakhuphisana batyhala wonke umntu ukuba aphucule. Ukuba olu qaliso luqhuba kakuhle, ngokuqinisekileyo abo bakhuphisana nabo baya kwenza okufanayo– ebonisa ukuba bonke abathengi bayaphumelela.
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Ukwanda kokuqalisa kwe-fintech yaseYurophu kukhulu kunentsomi yombutho. Ibonisa utshintsho lwehlabathi jikelele oluya kubulumko, ngcono, kunye nemali efikelelekayo ngakumbi. Ngeepokotho ezinzulu zikaGoogle kunye nobuchule bobugcisa obusemva kwayo, ishishini ngoku linawo amafutha okuhamba ngokukhawuleza. Nokuba ungumfundi olawula isicwangciso sakho sokuqala sohlahlo lwabiwo-mali okanye igosa eliphezulu eliphethe inkampani yamazwe ngamazwe, izixhobo ozisebenzisayo ukukhathalela imali zinokubonakala zahluke kakhulu– kwaye ngcono.