UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu

UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu

(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)

Yintoni ingalo yelinge likaGoogle kwaye yenza ntoni ngokulula
Ingalo yelinge likaGoogle, ebizwa ngokuba yiCapitalG, liqela lotyalo-mali lokulingana ngokukhula phantsi kweAlphabet Inc. Ijolise ekuxhaseni iinkampani zetekhnoloji zanamhlanje ezibonisa ukuba kunokwenzeka ukuba zinyuke kwihlabathi liphela. Kutshanje, I-CapitalG iye yagqama ngokukhokela inqwaba $200 Isigidi senkxaso-mali kumjikelo wokuqalwa kwe-fintech yaseYurophu. Eli nyathelo alibonisi nje ukuzithemba kwimodeli yenkampani yokuqalisa kodwa ukongezelela ushicilelo olubalulekileyo lukaGoogle ukomeleza impembelelo yalo kwimakethi yoqoqosho eguquka ngokukhawuleza ngaphandle kwe-USA.. Amanqaku otyalo-mali lwezemali phakathi kwezivumelwano ezinkulu ze-fintech eYurophu kulo nyaka kwaye zigxininisa indlela abadlali abaphambili betekhnoloji abaqhubela phambili ngayo bebhanki kwitekhnoloji yenkxaso-mali ye-elektroniki.. Unokufunda ngakumbi malunga nesi sibonelelo sendawo Ingalo yelinge likaGoogle liyakhokela $200 Isigidi semali esijikelezayo ekuqaleni kwe-fintech yaseYurophu.

Kutheni lo mjikelo wenkxaso-mali umkhulu
Oku $200 imiba yesitofu yesigidi kwizinto ezininzi. Ekuqaleni, ityhila ukuba oongxowankulu behlabathi basabona isibambiso esikhulu kwi-fintech yaseYurophu ngaphandle kokuvuthuza kwezemali njengokunyuka kwamaxabiso kunye nokuhlolwa kolawulo.. Isibini, Ukuba nengalo kaGoogle yokuzama ukukhokela umjikelo kuzisa ngaphezu kwemali nje– kuquka ukuthembeka, ukufikelela kubuchwephesha bobugcisa, kunye nezinto ezinokwenzeka ezidityanisiweyo kunye noluntu lukaGoogle lwendalo. Ukuqala ngokwayo, olu xhaso lunokukhawulezisa ukukhula kwento, ukukhula kwehlabathi, kunye nokufumana abathengi. Ngokubanzi, unikezelo luqaqambisa umkhwa okhulayo: Iinkampani ezinkulu zetekhnoloji azisazakhi nje ezazo iinkonzo zoqoqosho– Bakwathenga ngobuchule iziqalo ze-nimble ezinokuhamba ngokukhawuleza kwiimarike ezithile ze-niche. Kwihlabathi apho imali yedijithali, iindawo zokuhlala, kunye nezezimali ezendeleyo ziphucula indlela abantu abajongana ngayo nemali, Ubudlelwane obunjalo bunokuchaza ishumi leminyaka elilandelayo lophuhliso lwemali.

Ngokuchanekileyo njani isicwangciso sokuqalisa ukusebenzisa imali
Ukuqaliswa kwe-fintech yaseYurophu iceba ukubeka izixhobo ezitsha zokusebenzela 3 iindawo ezibalulekileyo. Nye, ngokuqinisekileyo iya kwandisa ubunjineli bayo kunye namaqela enzululwazi yolwazi ukuphucula inkqubo yayo engundoqo 2, ijonge ukungena kwiimarike ezintsha kraca kulo lonke elase-Asiya naseLatin America, apho imfuneko yezixhobo zemali yedijithali-yokuqala ikhula. Ntathu, ngokuqinisekileyo iya kuthenga ukuthotyelwa kunye nokhuseleko kunye neziseko zokhuseleko ukwanelisa ukuphuhlisa imigangatho yolawulo kwindawo nganye eqhubayo.. Ngokucacileyo, ifemu ayingxameli kutyalo-mali. Kunoko, ithatha ubuchule bokuzenzela– kugxininise kuphuhliso oluhlala luhleli ngokuchaseneyo nentengiso yefashoni. Esi sicwangciso silinganisiweyo sihambelana nezifundo ezivela kumaqamza e-fintech adlulileyo, apho ukukala ngokukhawuleza ngaphandle kwemigaqo eyomeleleyo kubangele ukuwohloka. Ngoncedo lukaGoogle, ukuqaliswa okwangoku kukho zombini umgaqo weenqwelo-moya kunye noncedo lokwakha into enyamezelayo.

Ukusetyenziswa kwenkqubo ye-fintech yokuqalisa.
Imveliso ephambili yokuqalisa yinkqubo yokusebenza yezemali esekwe kwifu eyenzelwe iinkonzo ezincinci kunye neziphakathi (SMBs). Idibanisa accounting, i-invoyisi, umvuzo, ukubhengeza isibophelelo serhafu, kunye noqikelelo lwenkunzi lube lujongano olugudileyo. Ngokungafaniyo nenkqubo yesoftware esemgangathweni efuna ufikelelo lolwazi ngesandla okanye indibaniselwano yoncedo, le nkqubo isebenzisa i-AI ukuhlela ngokukhawuleza iintengiselwano, zilindele iintsilelo, kwaye ikwacebisa amanyathelo okonga iindleko. Kubacebisi, abathengisi be-e-commerce, kunye nomboneleli wengingqi, oku kuphakamisa ixesha elincinci lokujijisana ne-spreadsheets kunye nexesha elingakumbi lokukhulisa umbutho wabo. Inkqubo yokongeza igcina utshintshiselwano lwemali eninzi kunye neentlawulo eziwela imida– iimpawu ezibalulekileyo kwii-SMB zanamhlanje zamazwe ngamazwe. Abaxhamli bangoko banika ingxelo yokunciphisa ixesha labo lokulawula imali yenyanga ngokudlula 60%. Njengoko iimeko zezoqoqosho ziba kwidijithali, izixhobo ezifana nesi zinokubaluleka njenge-imeyile okanye iiselfowuni kubanini bamashishini.

Imibuzo ebuzwa rhoqo malunga ne-bargain kunye ne-fintech landscape
Ngaba olu lukaGoogle lutyalo-mali lokuqala olubalulekileyo lwe-fintech eYurophu? Hayi, kodwa iphakathi kwezona zinkulu. UGoogle uye wayixhasa ngaphambili imbuyekezo kunye nokuqalisa ukuboleka imali, kanti oku $200 Ukubheja kwezigidi kubonisa ukuzibophelela okunzulu kumaziko oqoqosho ale ndawo.

Ngaba ukuqalisa kuya kuba yinxalenye kaGoogle? Hayi. I-CapitalG ithatha izithinteli ezincinci kwaye ayifuni ukulawula. Ukuqaliswa kuya kuhlala kuzimeleyo, nangona inokuthi ijonge intsebenziswano yobuchwephesha kunye neLifu likaGoogle okanye ezinye izixhobo zeAlfabhethi.

Yintoni eyenza oku kuqaliswa kwahluke kwabanye? Ingqwalasela yayo kulwazi lwezoqoqosho lwexesha lokwenyani– hayi ukugcinwa kweerekhodi kuphela. Ngelixa iifintech ezininzi zidibanisa iinkqubo ezindala, oku kusebenzisa uhlalutyo olulindelekileyo ukunceda imibutho isebenze phambi kokuba kwenzeke iingxaki.

Ngaba oku kungavula utyalo-mali olukhulu ngakumbi kwi-fintech yaseYurophu? Inokwenzeka kakhulu. Xa umdlali efana Google amanyathelo, abanye bahlala bebambelela kuyo. Equity capital firms, iibhanki, kunye neengxowa-mali zobutyebi ezizimeleyo ngoku zinokuphinda zivavanye iiprofayili zabo ze-fintech zaseYurophu.

(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)

Ngaba kukho isoyikiso sokuxabisa kakhulu? Ngokunokwenzeka. Nangona kunjalo ukuqaliswa kunoqoqosho oluluqilima lwezixhobo, ukuphinda umvuzo, kunye nokunciphisa i-spin yabathengi– iimpawu zombutho ophilileyo kunye nolungelelwano, hayi nje buzz. Ukuqonda ngakumbi ngakumbi indlela i-titans yetekhnoloji ebumba ngayo iimarike zangomso, Jinga e I-IBM iphinda kabini phantsi kwiminyaka yobudala be-AI: ubuchule bomntu ngamnye buhamba phambili kwaye Ukusuka kuMars ukuya eNyangeni: Umbono omtsha kaMusk weXAI.