UGoogle weVenture Arm ukhokela $200 Isigidi sezeMali sokuQala kwiFintech yaseYurophu
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Yintoni iArm yeVenture kaGoogle kwaye kutheni le nto iDibana nomba? .
Ingalo yelinge likaGoogle, eyaziwa ngokuba yiCapitalG, liqela lotyalo-mali elikwinqanaba lokukhula phantsi kweAlphabet Inc. Ijolise ekuxhaseni iinkampani zetekhnoloji ezithembisayo eziphumelele izigaba zokuqalisa kwangoko kwaye zilungele ukukala. Kutshanje, I-CapitalG ikhokele kakhulu $200 isigidi senkxaso-mali kwisiqalo esikhula ngokukhawuleza se-fintech saseYurophu. Oku kufuduswa kubonisa ukuzithemba okuqinileyo kwisiqalo esilindelekileyo kwaye kubonisa iifashoni ezibanzi kwezemali zamazwe ngamazwe.. I-bargain ikwaqaqambisa indlela abadlali betekhnoloji ababaluleke ngayo abafana noGoogle bangena kwizisombululo zemali– hayi ngokuphuhlisa iibhanki, kodwa ngokugcina abaqulunqi befashoni abalungisa ngokutsha indlela abantu abaphatha ngayo imali. Unokufunda ngakumbi malunga nolu tyalo-mali lubalulekileyo kulo Umbutho we-inshurensi we-MIS Asia.
Kutheni le nto uGoogle ekhethe oku kuQalwa kweFintech yaseYurophu? .
Ukuqala kumbindi wesi sivumelwano kuphuhlise irekhodi yokujongana neengxaki zemali zehlabathi nge-smart., ubuchwepheshe obusebenziseka lula. Ngokungafaniyo neefintech ezininzi ezigxila kwizicelo ezikhanyayo okanye iipokotho zedijithali, le nkampani ijolise kwiindawo ezinzulu zokungakhululeki– njengeentlawulo ezinqumla imida, ukuboleka ishishini lengingqi, kunye nokuhambelana okuzenzekelayo. Inkqubo yayo isebenzisa uyilo olucocekileyo kunye nokuhamba okusebenzayo ngoko ke nabantu abangenabuchwephesha baziva bekhululekile. UGoogle kusenokwenzeka ukuba ubone umxube onqabileyo: imveliso-imarike eqinileyo, ukukhula ngokukhawuleza kwabathengi kumazwe amaninzi aseYurophu, kunye neqela lobunkokeli elinemali kunye namava obunjineli. Kwaye kwakhona, Ubume beYurophu obulawulayo buphela bukhuthaza ngakumbi ukuqhubela phambili kwe-fintech, ukuyenza indawo yobuchule yokubheja okungapheliyo. Zonke ezi zinto zenze ukuqaliswa kwaba ngumgqatswa ogqwesileyo kwipotifoliyo yeCapitalG.
Isebenza njani ngokwenene itekhnoloji yokuQala? .
Embindini wayo, ukuqaliswa kwe-fintech kusebenzisa i-os yezemali esekwe kwilifu kumashishini nakubantu. Idibanisa izibonelelo zebhanki kunye nezixhobo zesofthiwe zanamhlanje nge-APIs ekhuselekileyo nekhuselekileyo. Njengokuba, ivenkile encinci ye-intanethi ePortugal inokufikelela ngokukhawuleza kwizixhobo zokusebenza ezisekwe kwidatha yokuthengisa yexesha lokwenyani kwinkqubo yayo ye-ecommerce. Okanye i-freelancer eJamani inokufumana iintlawulo kubathengi kwiimali ezintlanu ezahlukeneyo ngaphandle kweendleko ezifihlakeleyo okanye ukulibaziseka. Inkqubo iqhuba kuyilo lokufunda koomatshini oluvavanya umngcipheko, chonga ubuqhophololo, kwaye wenze izindululo zemali ngendlela oyiyo– zonke ngelixa zihambelana nemithetho yengingqi efana ne-GDPR kunye ne-PSD2. Emveni kwenkqubo, idibanisa neebhanki zemveli, intlawulo cpus, kunye neenkonzo zokuqinisekisa isazisi, kodwa abantu abakhe babubone obu bunzima. Yonke into ivakala igudile, ngokukhawuleza, kwaye ekuhleni.
Zeziphi ezona zicelo zeHlabathi zokwenyani zeli Platform yeFintech? .
Izicelo sele zibonakala kulo lonke elaseYurophu. Iivenkile ezizimeleyo zisebenzisa iqonga ukuguqula isicelo sesoftware yophicotho olungenamsebenzi kunye nezandla kwiziko lezemali jonga ngaphandle. Abahambi bedijithali baxhomekeke kuyo ukuze balawule iiakhawunti zemali ezininzi ngelixa bethatha uhambo. Kwakhona abavelisi abaphakathi bamkela imisebenzi yabo yenkxaso-mali ukuze basebenzise amanqaku etyala ngoko nangoko kubathengi babo beB2B.. Enye imeko ebalaseleyo yokusetyenziswa ibandakanya abasebenzi bezoqoqosho bemisebenzi ngaphambili ababenobunzima bokungqina ingeniso yenkxaso-mali okanye iingqeshiso. Okwangoku, banokubelana ngemvelaphi yemali ekhoyo eqinisekisiweyo ngokuthe ngqo kwisicelo, ukuvula amathuba ezoqoqosho awayengafikeleleki ngokukhawuleza. Izikolo, abangenzi nzuzo, kunye noorhulumente beedolophu ngokufanayo bajonga inkqubo yokuhlawula kwaye banike i-dispensation. Ngenxa yokuba iqonga liyimodyuli, iinkampani zinokukhetha iimpawu ezizifunayo– nokuba yi-invoyisi, esweni iindleko, okanye utshintshelo lwamazwe ngamazwe– ngaphandle kokuhlaziya yonke imali yabo.
Yeyiphi imibuzo ebuzwa ngabantu malunga nesi sivumelwano kunye nokuQalwa? .
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Abaninzi bayamangaliswa ukuba oku kubonisa ukuba uGoogle ulungiselela ukuzisa izisombululo zayo zemali eYurophu. Impendulo nguhayi– I-CapitalG ityala imali ngokwahlukileyo kwiimveliso eziphambili zikaGoogle, kwaye isiqalo siya kuhlala sizilawula. Abanye bayabuza ukuba ngaba $200 Uphononongo lwezigidi luqinisekisiwe. Ibonelele ngophuhliso lwengeniso yonyaka yamanani amathathu okuqalisa kunye nokunciphisa ukujikeleza kwabathengi, iingcali zithi ewe. Kukho ukubuza malunga nolwazi oluyimfihlo: kuba iqonga lijongene neenkcukacha ezibuthathaka zezimali, ngokuchanekileyo ihlala njani ikhuselekile? Inkampani isebenzisa i-encryption ekupheleni kwefayile, uphicotho rhoqo umntu wesithathu, kwaye igcina yonke idata ye-EU ngaphakathi kommandla. Enye inkxalabo eqhelekileyo kukuba ngaba abathengi banokuyisebenzisa ngokuthe ngqo le nkonzo. Namhlanje, ikakhulu yi-B2B kunye ne-B2B2C, ukanti umahluko ojongene nabathengi ulindeleke kunyaka olandelayo. Eyokugqibela kodwa engancinananga, abantu kufuneka bazi ukuba yintoni elandelayo kumjikelo wokuxhasa ngemali. Isiqalo silungiselela ukwandisa ukuya kuMzantsi-mpuma we-Asia kunye neLatin America ngelixa kubandakanya i-AI-powered cashflow forecasting.– uphawu olukhuthazwa ziipateni ezibonwa kwamanye amashishini obugcisa, njengesivumelwano esiphindaphindiweyo se-Apple kunye neemodem eziziphuhlisileyo, ichazwe kwi olu vandlakanyo lobuchwephesha beMIS Asia. Kwelinye icala, bonisa uphuhliso olufana nolo kuthethwa ngalo 2026 IPad Pro, igqunyiwe enye ingxelo yeMIS Asia, bonisa ukuba ihardware kunye nesoftware yemali ngokufanayo ibaleka isiya kubukrelekrele, ngakumbi amava abasebenzisi angenamthungo.