UGoogle weVenture Arm ukhokela $200 Isigidi sezeMali sokuQala kwiFintech yaseYurophu
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Umzamo wengalo kaGoogle uyakhokela $200 Isigidi semali esijikelezayo ekuqaleni kwe-fintech yaseYurophu. Esi sihloko sikhulu kuneendaba nje zoshishino. Ibonisa utshintsho olubalulekileyo kwindlela iteknoloji yezemali esanda ngayo kulo lonke elaseYurophu. I-bargain ibonisa ukuzithemba okuqinileyo kumbono wokuqalisa kunye nokukwazi kwayo ukuphucula imali yemihla ngemihla. Imali, isantya, ukufikelela, kunye ne-trust fund– ezi ziintsika zefintech zanamhlanje. Kwaye olu tyalo-mali lwangoku lubabeka phambili naphakathi.
Yintoni iGoogle Venture Arm etyala kuyo? .
Ingalo yomzamo kaGoogle, ebizwa ngokuba yiCapitalG, igxile kwiinkampani zophuhliso lwamva nje. Lo mzuzu, ikhethe ukuqaliswa kwe-fintech yaseYurophu ebonelela ngebhanki yedijithali kunye nokhetho lokuhlalisa kumashishini amancinci kunye nabasebenza ngokuzimeleyo. Into ephambili yokuqalisa yinkqubo yezemali ehlakaniphile edibanisa i-invoyisi, ukujonga inkcitho, iiakhawunti zemali ezininzi, kunye neentlawulo ezikhawulezileyo– zonke kwindawo enye. Ngokungafaniyo namaziko emali aqhelekileyo ahamba ngokuthe ngcembe, le nkqubo ihlaziya ngexesha lokwenyani kwaye iqhelanisa nokuziphatha komsebenzisi. Oko kuyenza ibe luncedo ngakumbi kubasebenzi begig kunye nabathengisi be-intanethi abafuna ngokukhawuleza, izixhobo ezininzi. Unokufunda ngakumbi malunga nesi sihlandlo senkxaso-mali apha elikhonkco.
Kutheni le nto uGoogle ezama ukuba ingalo ikhethe oku kuQalisa? .
Isicombululo sikukubala ixesha, imfuno yemarike, kunye nokubulawa. IYurophu ibone ukunyuka kwabanini bamashishini edijithali. Uninzi lwazo lujongana neenkqubo zebhanki eziphelelwe lixesha ezibiza iindleko eziphezulu okanye ukungabikho kweempawu zamazwe ngamazwe. Oku kuqaliswa kwalungisa loo miba kwangethuba. Yakha ujongano lomsebenzisi olucocekileyo, iquka inkxaso phezu 30 iimali, kunye namaxesha odluliselo acuthiweyo ukusuka kwiintsuku ukuya kwimizuzwana. Iqela likaGoogle kusenokwenzeka ukuba libone uphuhliso lomntu ngamnye kunye nenkqubo eyomeleleyo yoqoqosho lweshishini. Kwaye kwakhona, Ukuqaliswa ngoku kunceda abathengi ngaphezu 20 amazwe. Olo hlobo lokufikelela lubalulekile. Kwihlabathi apho umqondiso we-eero we-Amazon uguqula i-Wi-Fi yakho ibe yinethiwekhi yokubuyela umva kubulungu, izisombululo zemali kufuneka zingabinamthungo. Abaxhasi banqwenela amaqonga aziva engabonakali kodwa asebenzayo– ngokukodwa ukuba le fintech ibonelela ngantoni.
Ingaba iQonga lisebenza njani kubasebenzisi bemihla ngemihla? .
Abantu bajoyina kwi-intanethi ngokulula nje ngesazisi kunye nenombolo yoqhagamshelwano. Kwimizuzu embalwa, bafumana i-akhawunti yokonga ebonakalayo esebenza ngaphaya kwemida. Bangathumela amatyala aguqula ngokuzenzekelayo abe yimali yendawo yomthengi. Xa iintlawulo zifika, imali ifika ngoko nangoko ngaphandle kokulibaziseka kwekhefu lempelaveki. Isicelo sikwalandelela inkcitho ngokohlelo, iiflegi umsebenzi ongaqhelekanga, kwaye ude ucebise izikhombisi zogcino lwerhafu ngokusekelwe kwintengiselwano yangaphambili. Emveni kwenkqubo, inkqubo isebenzisa izixhobo zokufunda ukufumana ubuqhophololo kunye nokwandisa inkunzi. Kodwa kumthengi, ivakala ilula. Akukho jargon. Akukho kulinda. Cofa ngokulula, hlawula, kwaye uhambe. Obo bulula bokusebenzisa kungenxa yoko ukukhuthaza kuye kwakhawuleza kakhulu phakathi kwabacebisi, abacebisi, kwaye kuncinci kwiivenkile ze-intanethi.
Zeziphi ezona zicelo zeHlabathi zokwenyani zale nkqubo yeFintech? .
Yiba nomfanekiso womphuhlisi wegraphic eLisbon onceda abathengi eBerlin, IsiXeko saseNew York, kunye neTokyo. Ngaphambi kwale nkqubo, ngokuqinisekileyo uya kuphumelela 3 i-akhawunti yokugcina, hlawula iindleko zokuguqula, kwaye ulinde iiveki malunga nokuhlaliswa. Okwangoku, ufumana ideshbhodi enye. Wonke umvuzo wakhe ungena kwiakhawunti yakhe yedwa, ngoko nangoko ihlelwe ngokweprojekthi kunye nemali. Ubhatala ubulungu bakhe besoftware, ilandelela iindleko ezitsalwa kwiinshorensi, kwaye ikwagcine imali kwiimfanelo zerhafu– zonke ngaphandle kokuvula isicelo esongezelelweyo. Abathengisi abancinci bayayisebenzisa kwakhona. Ivenkile eBarcelona inokwamkela iintlawulo kubakhenkethi abasebenzisa amakhadi aphesheya ngaphandle kweentlawulo ezongeziweyo. Kananjalo ii-nonprofits zisebenzisa isixhobo ukukhathalela iminikelo evela kumazwe amaninzi. Izicelo zolule kakhulu kwimali yomntu. Bachaphazela umsebenzi wehlabathi jikelele, umsebenzi kude, kunye nentsebenziswano enqumla imida. Ngeendlela ezininzi, le nkqubo isebenza njengemibhobho yezoqoqosho kwixesha ledijithali.
Yintoni eBameleyo ngokumalunga neNkxaso-mali kunye nokuQalisa? .
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Abantu bahlala bebuza ukuba ngaba oku kuthetha ukuba uGoogle ngokuqinisekileyo uya kuthenga isiqalo esilandelayo. Akunjalo. I-CapitalG ihlala ithatha izithinteli ezincinci kwaye ivumela abaseki bahlale kulawulo. Omnye umbuzo kukuba ingaba idatha yomthengi ikhuselekile. Ukuqaliswa kuhambelana nemithetho engqongqo yebhanki ye-EU kwaye kusetyenziswa ukubethelwa kwefayile ekupheleni ukuya ekupheleni. Abanye bayazibuza ukuba isisombululo sisebenza ngaphandle kweYurophu. Ewe– igcina abasebenzisi eUnited States naseCanada, EAsia, kunye namacandelo eLatin America, nangona imigaqo yendawo ingasetyenziswa. Abanye babuza ngeendleko. Uninzi lweempawu ezingundoqo azibizi mali. Izicwangciso zeendleko zivula izinto ezifana nenkxaso yenkxalabo okanye uhlalutyo oluyilayo. Umba wokugqibela ngabakhuphisana nabo. Okwenyani, iibhanki ezinkulu kunye nezinye i-fintechs zibonelela ngezixhobo ezifanayo. Kodwa oku kuqaliswa kutsala ingqalelo kuba kuhamba ngokukhawuleza kakhulu, imamela abasebenzisi, kwaye igcina ukonyusa ngaphandle kokubhuqa ujongano. Ngomxholo othe kratya malunga nendlela izigebenga zetekhnoloji ezenza ngayo iimarike, unokujonga ngendlela efanayo Umqondiso we-eero we-Amazon ichaza ngokutsha uqhagamshelwano lwasekhaya– okanye mhlawumbi isicwangciso sitshintsha njani, njengaye Ukutshatyalaliswa kukaTrump ngokuthula kwe-EPA igunya lokusingqongileyo, bonisa ukuba amandla akasoloko ebonakala nangona ehlala ekhona. Kwezemali, kusetyenziswa umgaqo ofanayo: ezona nkqubo zingcono zisebenza ngokuthe cwaka ngasemva-kwezigcawu ngelixa abathengi begxile kwezona zinto zibalulekileyo– umsebenzi wabo, iinjongo zabo, ubomi babo.