Iinzame zikaGoogle zeArm ziKhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Yintoni umzamo kaGoogle wokuTyala ngengalo? .
Ingalo yelinge likaGoogle, ebizwa ngokuba yiCapitalG, ukhokele kakhulu $200 isigidi senkxaso-mali kwisiqalo esikhula ngokukhawuleza se-fintech saseYurophu. Eli nyathelo libonisa ukuzithemba okuqinileyo kumandla wefem yokuphucula indlela abantu kunye namashishini abakhathalela ngayo imali kulo lonke elaseYurophu kwaye kunokwenzeka nangaphaya.. Ukuqala, ehlala ingachazwanga ngamagama kwiirekhodi zokuqala kodwa kuvakala ukuba ikhethekileyo kwiintlawulo ezinqamlezileyo kunye neenkonzo zemali ezizinzisiweyo., sele igqamile kubuchwephesha bayo bale mihla obulungelelanisiweyo kunye nophuhliso olukhawulezayo lwabasebenzisi. I-CapitalG ayitshizi $200 million ngobunono. Iibheji zayo zangaphambili zibandakanya obunzima obufana nomgca oBomvu, UiPath, kunye neCrowdStrike. Ngokuxhasa lo mdlali waseYurophu, UGoogle uphindaphindeka kabini kwi-innovation yemali ngaphandle kwe-U.S., apho utshintsho olulawulayo kunye nokwamkelwa kwe-elektroniki kuphuhliswa umhlaba ochumileyo wokuphazamiseka. Unokufunda ngakumbi malunga nesi senzo sotyalo-mali olukhulu lwezemali apha Iinzame zikaGoogle zeArm ziKhokela $200 Isigidi sezeMali sokuQala kwiFintech yaseYurophu.
Kutheni le nto i-CapitalG ikhetha oku kuQalwa kwe-Fintech? .
I-CapitalG ibona into ekhethekileyo kolu qalo olunokuthi luphoswe– okanye kujongelwe phantsi. Ekuqaleni, Ifem isebenza kwimarike apho amaziko emali awonqena ukuhlengahlengisa. Abathengi abaninzi baseYurophu kunye neenkampani ezincinci zisasokola ngeentlawulo eziphezulu, ixesha elide lokulinda, kunye nojongano lomsebenzisi olungenamsebenzi xa uthumela okanye ufumana imali kwihlabathi jikelele. Oku kuqalwa kujongana nezo zinto zingonwabanga ngokulungiswa kwexesha lokwenyani, amaxabiso acacileyo, kunye ne-API-indlela yokuqala evumela ukuba ezinye izicelo ezahlukeneyo zidibanise kwizisombululo zezoqoqosho ngokugqibeleleyo. Isibini, iqela lokuseka libandakanya iingcali ezivela kumaziko emali aseYurophu kunye neefemu zobuchwepheshe, ukubonelela zombini i-savvy elawulayo kunye nobunzima bezihlunu zobunjineli. Isithathu, iimetriki zabathengi zomelele: inyanga nenyanga abathengi abasebenzayo baye baphinda kathathu kokugqibela 18 iinyanga, kunye namazinga ajikelezayo aphantsi ngokungaqhelekanga kwintsimi. Zonke ezi zinto zenza ukuqalisa kube ngumzekelo wento efunwa yiCapitalG– tech scalable, imveliso-imarike ecacileyo, kunye nekhondo lempumelelo. Ukuqonda okunzulu malunga nokuba kutheni le nto ibalulekile, jonga olu hlalutyo lunxulumeneyo ekuveleni kweefashoni zetekhnoloji ezibumba izigqibo zotyalo-mali lwezemali.
Ngokuchanekileyo yenzeka njani itekhnoloji yeTekhnoloji yanamhlanje? .
Embindini wayo, Ukuqala kusebenzisa isakhelo somthonyama esidityaniswe ne-algorithms yobulumko yokuhambisa imali ngokukhawuleza kwaye ifikeleleke ngakumbi kuneenkqubo zelifa.. Kunokuba uthembele kuthungelwano oludala lwe-SWIFT oluthatha iintsuku ukucima ukuthengiselana, isebenzisana ngokuthe ngqo neereyile zembuyekezo yengingqi ngaphezulu 30 amazwe. Oku kuthetha ukuba i-freelancer yasePortugal inokwenza imali ngumthengi waseSweden ngaphakathi kwemizuzwana, hayi iintsuku zokusebenza. Iqonga likwasebenzisa ngokunjalo “inkxaso-mali edibeneyo” izixhobo– cinga ngayo njengokuvumela iisayithi ze-e-commerce, iiapps zomsebenzi, okanye inkqubo yesoftware yobalo ijongana neempawu zebhanki ngaphandle kokuzakha ukusuka phantsi ukuya phezulu. Abaphuhlisi badibanisa imigca embalwa yekhowudi, kwaye ngoko nangoko abasebenzisi babo banokuvula iiakhawunti, amakhadi inkxalabo, okanye ukwahlula iindleko ezifanelekileyo ngaphakathi kwesicelo abasele besenza. Ukhuseleko kunye nokhuseleko kujongwana nesiqinisekiso sebhayometriki kunye nokufunyanwa kobuqhophololo obuqhutywa yi-AI obuzuzwa kuyo yonke intengiselwano.. Nantoni na eqhuba kwiimodyuli ezincinci zenkonzo, ke iimpawu ezintsha kraca ziphuma ngokukhawuleza ngaphandle kokonakalisa imisebenzi ekhoyo. Obu buchule buyenye into yongxowankulu bakholelwa ukuba ifem inokunyuka kwihlabathi liphela ngaphandle kokwenza ubunjineli obunzima.
Zeziphi ezona zicelo zeHlabathi zokwenyani zeli Platform yeFintech? .
Izicelo ngoku zijika naphi na. Abarhwebi abancinci be-intanethi basebenzisa i-API yokuqalisa ukuvumela abathengi behlabathi bahlawule ngemali yabo yasekhaya ngoguqulo olukhawulezileyo., ukunciphisa ukulahlwa kwenqwelo. Abacebisi kumaqonga emisebenzi yehlabathi bafumana ingeniso ngqo kuhlahlo lwabiwo-mali lwemali eninzi, ukuhlala ucacile kwiindlela ze-PayPal ezibamba okanye iimakips ezifihliweyo. Kwakhona iikholeji kunye neenzuzo ezingenzi nzuzo ziyayamkela ukuqokelela iminikelo okanye izifundo ezivela phesheya ngaphandle kokulibaziseka. Umzekelo omnye obalaseleyo wokusetyenziswa ubandakanya ukuqaliswa kwezixhobo eziseBerlin ezizinzisa ukusebenza kwentlawulo kwisicelo somqhubi.– ke abathwali bafumana imali ngokusasazwa ngexesha lokwenyani, ukunyusa umgangatho wokuziphatha kunye nokugcina. Omnye umzekelo yinkampani yeholide yaseSpain epakisha ipolisi ye-inshurensi yokuhamba kunye nokuthengwa kwekhadi le-SIM kwingingqi yokuphuma yodwa eqhutywa ziziseko zefintech.. Ezi ayizontelekelelo; basasazwe kwi-intanethi ebonisa indlela iinkonzo zemali ezinzulu ezinokungena ngayo kumava emihla ngemihla ye-elektroniki. Okongeziweyo malunga nendlela itekhnoloji ezitshintsha ngayo iimarike eziqhelekileyo, bona olu khuselo yemilo yolawulo kwimizi-mveliso emeleneyo.
Yeyiphi imibuzo ebuzwa ngabantu malunga nolu nikezelo? .
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Abantu ngabanye banemibuzo emininzi– kwaye kanye apha yenye yezona ziqhelekileyo ziphendulwa ngokucacileyo. Ekuqaleni, ingaba oku kuqaliswa kuya kuluntu ngokukhawuleza? Ayikenzeki. I-CEO iqinisekisile ukuba bagxile kwiinkqubo zokunyusa kunye nokungena 3 iimarike ezintsha kraca ngaphambi kokucinga nge-IPO, kusenokwenzeka ukuba akukho ngaphambili 2026. Isibini, Ngaba uGoogle ngoku ulawula ifemu? Hayi. I-CapitalG ithatha imingcipheko encinci kwaye ayifane ifune ulawulo lwebhodi ngaphandle kokuba izinto zihamba ngendlela. Abanini bagcina inkululeko epheleleyo yokusebenza. Isithathu, idatha yomsebenzisi izakuboniswa kuGoogle? Isiqalo sikhuthaza ukuba lonke ulwazi luhlale lufihliwe kwaye lufihliwe, ngokuhambelana okungqongqo kwe-GDPR kubhakwe ngqo kuyilo lwayo. 4th, ingaba oku kuphembelela njani abantu abakhuphisana nabo njengeRevolut okanye iSilumko? Iphakamisa ibhentshi. Ngenkunzi entsha, ukuqaliswa kungonakalisa abakhuphisana namaxabiso ngelixa utyalo-mali kakhulu kuncedo lwabathengi kunye nokufakwa kwendawo– abahluli abaphambili kwiimarike eziqhekezayo zaseYurophu. Isihlanu, Abantu baseMelika banokufikelela kule nkonzo? Hayi ngoku, nangona kunjalo imephu yendlela iqulathe ukusungulwa koMntla Melika ngasekupheleni 2025, ezilindele izigunyaziso ezilawulayo. Ezi mpendulo kufuneka zinciphise imiba ngelixa ziqaqambisa ubunzulu obaliweyo emva kwezihloko.