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)
Yintoni ingalo yomzamo kaGoogle kunye nokuqalwa kwe-fintech yaseYurophu okubandakanyekayo? .
Ingalo yomzamo kaGoogle ibizwa ngokuba yiCapitalG. Liqela lotyalo-mali lophuhliso lwemali elinganayo phantsi kweAlphabet Inc., Ishishini labazali likaGoogle. I-CapitalG igxile kwiinkampani zetekhnoloji zasemva kwexesha ezibonisa amandla anamandla okukhula kwihlabathi liphela. Kutsha nje, ikhokele umjikelo omkhulu wenkxaso-mali $200 million ekunyukeni kokuqaliswa kwe-fintech yaseYurophu. Ukuqala, nangona ingabizwa rhoqo kwiingxelo zakwangoko, isebenza kwindawo yezisombululo zemali ye-elektroniki kwaye ifumene ukubambelela kuyo yonke iYurophu ngokukhawuleza. Iqonga layo libonelela ngokulungiswa kokuhlaliswa kakuhle, izixhobo zemali ezizinzisiweyo, kunye nezibonelelo zemali ezikrelekrele zeenkonzo kunye nabathengi ngokufanayo. Le ntengiso iphawula phakathi kolona tyalo-mali lukhulu lwezemali lwe-fintech olukhokelwa yi-CapitalG ngaphandle kwe-USA kutsha nje. Unokufumana okungakumbi malunga nale ndawo yentengiso elikhonkco.
Kutheni le nto ingalo yelinge likaGoogle ikhethe oku kuqaliswa kwe-fintech yaseYurophu? .
I-CapitalG ayityali imali ngobunono. Ikhangela iziqalo ngoyilo lwenkampani oluvavanyiweyo, ulawulo olomeleleyo, kunye neendlela ezicacileyo zenzuzo. Ukuqaliswa kwe-fintech yaseYurophu kuzalisekise zonke ezi mfuno. Ekuqaleni, sele ikhwele amashishini amancinci naphakathi angenakubalwa kulo lonke elaseJamani, Fransi, kunye neeNordics. Isibini, imfumba yayo entsha iphuhliselwe ukulinganisa kunye nolawulo oluhambelanayo– indibaniselwano engaqhelekanga kwimarike yaseYurophu eqhekezayo. Isithathu, inzuzo yokuqalisa ikhule ngaphezulu 200% unyaka nonyaka kwiminyaka emibini edlulileyo. La manani athatha ugqaliselo lweCapitalG. Ngaphandle kweemetrics, imiba yolungelelwaniso lobuchule nayo. UGoogle ufuna ukwamkelwa okunzulu kwezisombululo zoqoqosho kwi-ecosystem yakhe, ngakumbi kwiimarike apho iibhanki zifuduswa ngokuthe ngcembe. Ngokuxhasa oku kuqaliswa, UGoogle ufumana ukubamba imeko yezemali yedijithali yaseYurophu ephuma ngokukhawuleza. Imvelaphi eyongeziweyo kwingqiqo ebalwayo ifumaneka lula eli phepha.
Njani nje $200 Izigidi zenkxaso-mali ziya kusetyenziswa? .
Isiqalo silungiselela ukusebenzisa inkunzi entsha ngeendlela ezintathu eziphambili. Ekuqaleni, iya kwandisa iqela layo loyilo ukwandisa ukuqhubela phambili kwemveliso. Oku kuqulathe ulwakhiwo oluqilima ngakumbi ii-APIs zabayili beqela lesithathu kunye nokuphucula iinkqubo zokubona ubuqhetseba kusetyenziswa ubukrelekrele bokwenziwa.. Isibini, Ishishini liya kucinezela ngqo kwiimarike ezintsha zaseYurophu, ngakumbi iYurophu eseMazantsi neMpuma, apho ukunyanzeliswa kweebhanki nge-elektroniki kusakhula. Isithathu, Inxalenye yemali iya kufikelela ekufumaneni iifemu ezincinci zefintech ezibonelela ngezisombululo ezihambelanayo– njengemali ethunyelwa ngaphandle kwemida okanye inkxaso-mali ye-invoyisi– ukuphuhlisa inkqubo yezemali epheleleyo. Injongo ayikokwandisa nje ukuba mkhulu kodwa kukugcina uyimfuneko kwiinkampani ezithembele ngokukhawuleza, izinto ezininzi, kunye neenkqubo zoqoqosho ezikhuselweyo. Esi sicwangciso sokukhula sichazwa ngakumbi kwi lo mthombo.
Zeziphi iinkqubo zehlabathi zokwenyani zeli qonga lokuqalisa le-fintech? .
Itekhnoloji yale mihla yokuqalisa inika amandla izenzo zoqoqosho lwemihla ngemihla kuzo zombini iinkampani nakubantu. Njengokuba, umthengisi we-intanethi eSpain unokusebenzisa i-API yakhe ukubonelela ngokukhawuleza “fumana ngoku, hlawula kamva” ezinye iindlela ekuphumeni ngaphandle kokwakha umsebenzi ukusuka phezulu ukuya phezulu. Umyili ozimeleyo ePoland unokufumana indawo yokuhlala kubathengi kwiimali ezintlanu ezahlukeneyo kwaye aziguqule kwaye zifakwe kwiakhawunti yakhe yokugcina imali kwimizuzu. Iinkampani ezincinci zolungiselelo zinokufikelela kwinkxaso-mali yokusebenza ngokusekwe kwimbali yazo yokuthenga, ukugqitha kwizicelo zemboleko zemveli. Kwakhona amaziko kunye nemibutho engenzi nzuzo isebenzisa inkqubo yokulawula ukufundiswa okanye ukuhlaliswa kwegalelo kunye noxolelwaniso oluzenzekelayo.. Ezi zicelo zinciphisa ukukhuhlana, ukunciphisa iindleko, kwaye uvuselele inkunzi. Ngokusisiseko, ukuqaliswa kuguqula iinkqubo zemali ezintsonkothileyo zibe lula, iinkonzo zeplagi kunye nokudlala. Esi siphumo sinengqiqo kutheni oongxowankulu abafana ne-CapitalG bebona ixabiso elihlala lihleli kwishishini.
Yeyiphi eyona mibuzo iqhelekileyo malunga nalo mjikelo wenkxaso-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 uza kuzisa ezakhe iinkonzo zebhanki eYurophu. Impendulo nguhayi– ubuncinane hayi ngqo. I-CapitalG isebenza ngokuzimeleyo kwiimveliso eziphambili zikaGoogle, ke olu tyalo-mali luyimali kunye neqhinga, ayingophawu lweBhanki kaGoogle entsha kraca. Enye inkxalabo eqhelekileyo kukuba ingaba ulwazi lomthengi ngokuqinisekileyo luya kuboniswa uGoogle. Ukuqala kukhankanyiwe ngokucacileyo ukuba idatha yabathengi iyaqhubeka ikhethekile kwaye ayabelwananga ngeAlfabhethi ngaphandle kokuba ifunwa ngummiselo.. Abanye bayabuza ukuba oku kubachaphazela njani abantu abakhuphisana nabo abafana noRevolut okanye uKlarna. Ngelixa ezo nkampani zinkulu, oku kuqaliswa kugxile kwisakhelo se-B2B ngokuchaseneyo neeapps zabathengi, ngoko isebenza ngokwenene njengeqabane elilindelekileyo kunokuba umntu okhuphisana naye. Ekugqibeleni, abaninzi buza ukuba $200 izigidi luvavanyo lulonke. Ayiyo– sisixa-mali esinyuswe kulo mjikelo. Uqikelelo lwemali emva kwefemu luqikelelwa ukuba luphelile $1.5 ibhiliyoni, ukuyenza i-unicorn. Olu lwazi lunceda ukwahlula i-hype kwinyani kwindawo exineneyo ye-fintech.