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)

Ingalo yomzamo kaGoogle yenze nje indawo enkulu yokufudusa ilizwe lezemali. Yakhokelela a $200 Isigidi senkxaso-mali kumjikelezo okhulayo we-fintech yaseYurophu. Ezi ndaba zinkulu kunesinye isihloko. Ibonisa indlela iteknoloji enkulu eqhubeka ngayo ukwenza ikamva lemali, iintlawulo, kunye neenkonzo zemali ngaphaya kwemida. Ukuqala, engekavezi igama layo ngokuphandle, kuthiwa kukwakha izixhobo ezinceda amaziko emali kwaye abathengi balawule imali ngobuchule nangokukhawuleza. Ngale mithombo mitsha, inkampani ijonge ukulinganisa imisebenzi, sebenza ngesakhono sokukhokela, kunye nokwanda kanye kwiimarike ezintsha. Ukanti yintoni kanye kanye le yenziwayo le siqalo? Kwaye kutheni ibalulekile kubantu bemihla ngemihla nakwihlabathi elibanzi lezemali?

Yintoni ukuthengwa kweArm yeVenture kaGoogle? .

Ingalo yomzamo kaGoogle, eyaziwa ngokuba yi-GV (ngaphambili iGoogle Ventures), igxile ekuqaliseni ukukhula okuphezulu kunye nezakhiwo ezintsha eziqinileyo. Kule meko, Utyalo-mali lujolise ekuqalisweni kwe-fintech yaseYurophu ejongene nesakhelo semali sesizukulwana esilandelayo. Imveliso engundoqo ijikeleza ukusetyenzwa kwentlawulo yexesha langempela, amayeza ezenzileyo zemali, kunye nezixhobo zokuvavanya ingozi eqhutywa yi-AI. Olu tshintsho lujolise ekwenzeni iintengiselwano zibe lula, ikhuselekile, kwaye ifikeleleka lula kubo bobabini abantu kunye namashishini. Inkqubo yokuqalisa ivumela izicelo zomntu wesithathu kunye neenkonzo ukubonelela ngemisebenzi yezemali ngaphandle kokufuna ilayisenisi yemali epheleleyo. Unokufunda ngakumbi malunga nale ndawo ye-bargain le rekhodi ngokucokisekileyo.

Kutheni le nto uGoogle ekhethe esi Siqalo seFintech? .

Iifemu ezinkulu zetekhnoloji ezinje ngoGoogle zihlala zikhangela iindlela zokuhlala kufutshane nalapho kufuduswa imali. Iinkonzo zemali zivelisa ulwazi oluninzi kunye nonxibelelwano lomntu ngamnye. Ngokuxhasa umdlali othembisayo we-fintech, UGoogle ufumana ukuqonda okubalulekileyo ekuphuhliseni izenzo zabathengi kunye neendlela zokulawula eYurophu. Isiqalo sitsala umdla kuba sisombulula imiba yokwenyani: ezihamba kancinci iintlawulo ezinqumla imida, iinkqubo zebhanki eziqhekekileyo, kunye nemisebenzi yokuthobela ephelelwe lixesha. Kwaye kwakhona, Imigaqo-nkqubo yebhanki evulekileyo yaseYurophu idala umhlaba ochumileyo wetekhnoloji. I-GV ibona kakhulu oku kuqaliswa njengesango lokuphembelela ngokuthe ngqo indlela imali ye-elektroniki eqhubela phambili ngayo phakathi kwezona ndawo zilawulwa kakhulu kodwa zobuchwepheshe.. Enye i-engile yiyantlukwano– UGoogle ujonge ukunciphisa ukuxhomekeka kwingeniso yentengiso ngokutyala iiflegi kumacandelo anomda ophezulu njengefintech. Ngomxholo onzulu malunga nendlela iititans zetekhnoloji ezihamba ngayo kula manzi antsokothileyo, phuma olu hlalutyo luhambelanayo.

Uqhuba njani kanye umsebenzi wokuQala wokuQala? .

Ukuqaliswa kwe-fintech kusebenzisa imodyuli ye-API-yokuqala yokwakha. Oku kuthetha amaziko emali, iinkqubo zokuthenga, kunye ne-apps zokwabelana ngokukhwela zinokuqhagamshela kwinkqubo yayo ngemigca embalwa yekhowudi. Yakube iqhotyoshelwe, banokusebenzisa izisombululo ezifana neentlawulo ezikhawulezileyo, iipokotho ezininzi zemali, okanye ukubhaqwa kobuqhophololo obuzenzekelayo. Emveni kwenkqubo, Inkqubo iphakamisa ukufumanisa umatshini ukuhlalutya iipateni zesivumelwano kunye neflegi yomsebenzi okrokrelayo ngexesha lokwenyani. Ikwadibanisa neereyile zokuhlala zelizwe ezifana ne-SEPA yaseYurophu ukuqinisekisa ukuba iimali zihamba ngokukhawuleza nangexabiso eliphantsi. Ukhuseleko lwakhiwe ukususela ekuqaleni, usebenzisa ukhuseleko lokugqibela kunye nokuqinisekiswa kwebhayometriki. Isibheno senkqubo kukuguquguquka kwayo– ilungelelanisa nemigaqo-nkqubo yabamelwane ngelixa igcina amava aqhelekileyo kumazwe ngamazwe. Iinkcukacha ezongezelelweyo zobuchwepheshe malunga nenkxaso-mali kunye nemephu yendlela yemveliso zifumaneka ngokulula esi sithuba sokulandelela.

Usetyenziso lwePlatform yeFintech kwiNyaniso .

Khawufane ucinge ukuba unevenkile encinci ye-intanethi ePortugal. Uthengisa iiseramikhi ezenziwe ngesandla kubathengi baseJamani, Fransi, kunye neSweden. Ngesiqhelo, ukuhlawulwa kuyo yonke imida kuthatha iintsuku kunye namaxabiso ezongezelelweyo iindleko. Ngenkonzo yokuqalisa, abathengi bakho bahlawula imali ebumelwaneni babo, kwaye ufumana i-euro kwiakhawunti yakho ngemizuzwana– akukho kulibaziseka, akukho ntlawulo ifihliweyo. Okanye ufote umqeshwa womsebenzi eSpain oqhubela i-app yokuthumela. Ngokuchasene nokulinda iveki ngeengeniso zabo, babhatalwa ngoko nangoko emva kotshintsho ngalunye nge-wallet yangaphakathi-app eqhutywa yi-API yokuqalisa. Kwakhona iibhanki ezinkulu zisebenzisa inkqubo ukuhlaziya iinkqubo zelifa lemveli ngaphandle kokubuyisela nantoni na ukusuka ekuqaleni. Izikolo, abangenzi nzuzo, kunye neefemu zorhulumente womdibaniso zikwafumanisa ukuba zikhuphe imali okanye iinkxaso-mali ngokukhawuleza nangokucacileyo ngakumbi.. Izicelo zolule kakhulu kugqithile nje ukuhambisa imali– bamalunga nokwenza imali ngokwenene bazive bengabonwa, engenamthungo, kwaye isengqiqweni.

Imibuzo edla ngokubuzwa ngokumalunga neNkxaso-mali kunye nokuQalisa .

Ngaba igama lokuqalisa likawonkewonke okwangoku? Hayi ngokusemthethweni. Ifemu igcine iakhawunti ephantsi, nangona abangaphakathi kwicandelo becinga ukuba isekelwe eBerlin okanye eAmsterdam.
Ngaba uGoogle uya kuluthatha ulawulo loqaliso? Hayi. I-GV ithatha imingcipheko encinci kwaye isebenza njengeqabane elinobuchule, ayingomnini sabelo olawulayo.
Ngaba oku kuthetha ukuba uGoogle uza kukhulula iziko lakhe lezemali? Akunakwenzeka. UGoogle uthanda ukuvumela abanye ngokuchasene nokuba liziko lezemali elivunyiweyo ngokwalo.
Oku kubachaphazela njani abathengi besiqhelo? Ngokuthe ngcembe, uya kubona ukuhlaliswa ngokukhawuleza, izixhobo ezingcono zohlahlo lwabiwo-mali, kunye nemisebenzi yemali ebandakanywe ngakumbi kwii-apps ozisebenzisayo ngoku.
Ngaba eli candelo lefashoni enkulu? Ngokuqinisekileyo. Iingxilimbela zetekhnoloji ezifana neApple, Amazon, kunye neMeta zonke zihlola amanzi afanayo. I-Fintech yindawo entsha yedabi lokuhoywa kunye nokuthembela komntu ngamnye.
Ngaba abanye oongxowankulu bangabhalisa ngemijikelo yexesha elizayo? Ewe. Oku $200 million round ibandakanya abatyali-zimali abaliqela, kwaye ucango luhlala luvulekile ngakumbi njengoko kuluhlu lokuqalisa.

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

Ndingalulandela phi uhlaziyo kule ntengiso? I-inshorensi ethembekileyo ifumaneka ngokulula Icandelo lenkampani ye-MIS Asia, eqhubeka ilandela ibali ngokusondeleyo.