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 ukuqaliswa kwe-fintech yaseYurophu esanda kuphakama $200 izigidi? .

Ukuqala kwe-fintech yaseYurophu embindini wolu lwazi lubalulekileyo lwenkxaso-mali kubizwa ngokuba yiLunar. Isekelwe eDenmark, ILunar ikhawuleze yaba phakathi kweyona nkqubo inomtsalane yemali ye-elektroniki. Ifemu isebenzisa amava ebhanki okuqala axuba izisombululo zezoqoqosho zemihla ngemihla kunye nezixhobo zohlahlo lwabiwo-mali ezikrelekrele kunye nemisebenzi yentlawulo egudileyo.. Ngokungafaniyo namaziko emali aqhelekileyo, ILunar yakhiwa ukusuka ekuqaleni kwiiselfowuni, kujoliswe kubantu abatsha abaninzi abalindele isantya, ukulula, kunye nokuvuleka. Lo mjikelo wotyalo-mali wakutshanje, ikhokelwa yi-GV ye-venture capital ye-Google, izisa imali epheleleyo yeLunar $350 izigidi. Olo hlobo lokuxhasa lubonisa ukuzithemba okuqinileyo kungekuphela nje kwinto yeLunar okwangoku kumbono wayo wekamva lemali yobuqu eYurophu..

Kutheni le nto ingalo kaGoogle yenza isigqibo sokukhokela lo mjikelo wenkxaso-mali? .

GV, ngaphambili yayisaziwa ngokuba yiGoogle Ventures, ayiphosi imali ngobunono. Ifuna ishishini ngezinto ezintsha ezinokunyuka, imfuno yemarike ecacileyo, kunye namaqela olawulo anokusebenza phantsi koxinzelelo. Inyanga ingena kuzo zontathu iibhokisi. Ishishini lebhanki laseYurophu liyaqhubeka nokuqhekeka, kunye nabathengi abaninzi abasaqhagamshelwe ukucotha, ukusekwa kwesithethe. I-interface ecocekileyo yeLunar, Ukuthenga ngexesha lokwenyani kwazisa, kunye neempawu zogcino-mali oluzenzekelayo zilungisa iindawo ezingonwabanga zokwenyani kubathengi bale mihla. Kakhulu ngakumbi, Ukuqala-up kubonise uphuhliso olungaguqukiyo lomntu kulo lonke elaseDenmark, Swiden, kunye neNorway. I-GV ibona ithuba lokuxhasa i-champ yengingqi enokuthi ekugqibeleni yande kuyo yonke i-EU. Kwihlabathi apho izipaji ze-elektroniki kunye nenkxaso-mali emiliselweyo iza kuba semgangathweni, Ukuthenga imigca yeLunar kunomdla obanzi kaGoogle ekuqulunqeni indlela abantu abanxibelelana ngayo ngemali kwi-Intanethi. Kwimeko engakumbi malunga nendlela abadlali betekhnoloji bamazwe aphesheya abaphembelela ngayo itekhnoloji yezemali, unokujonga ukukhula kwamva nje kwintsebenziswano yetekhnoloji yehlabathi apha elikhonkco.

Inkqubo yeLunar ngokwenene inceda abasebenzisi bemihla ngemihla? .

I-Lunar isebenza ngokupheleleyo kwi-app yesixhobo esihlakaniphile. Xa ujoyina, ufumana i-akhawunti yokonga epheleleyo nge-IBAN, ikhadi debit, kunye nokufikelela kwiindawo zokuhlala ngoko nangoko ngezicwangciso zengingqi ezifana neSwish eSweden okanye iMobilePay eDenmark. Nangona kunjalo into eyahlulayo yindlela esetyenziswa ngayo idatha ukunceda abantu ukuba balawule imali yabo. Isicelo sihlela ngokuzenzekelayo inkcitho, ityhila iipatheni ngexesha, kwaye ide ikuchukumise xa ishedyuli yamatyala. Ungaseka iinjongo zogcino kwaye uzibone zikhula ngexesha lokwenyani. Utshintshiselwano phakathi kwabahlobo lwenzeka ngemizuzwana, kwaye akukho ntlawulo ifihliweyo yezisombululo ezisisiseko. Emveni kwenkqubo, Amaqabane enyanga aneebhanki ezinelayisenisi ukubamba iidiphozithi zabathengi, ke imali ikhuselwe phantsi kwemithetho ye-EU. Amava onke aziva engaphantsi njengokuphatha ibhanki kwaye ngakumbi kufana nokusebenzisa umncedisi wemali osebenzayo ohlala epokothweni yakho..

Zeziphi iinkqubo zehlabathi zokwenyani zoyilo lwe-fintech lweLunar oludlulileyo kwibhanki yomntu ngamnye? .

Ngelixa i-Lunar iqale ngebhanki yabathengi, iziseko zayo zivula iingcango kwizicelo ezibanzi. Amashishini amancinci, njengomzekelo, unokusebenzisa iqonga leLunar ukunyamekela inkunzi, hlawula abasasazi, kwaye ulandele iindleko ngaphandle kokutshintshela kwiprogram yesoftware yokubala. Abacebisi bathatha inzuzo ye-invoyisi ekhawulezileyo kunye neekowuti ezizibophelele zerhafu. Ishishini likwahlola “ebhankini-njengenkonzo” iinketho, apho ezinye iziqalo zinokufakela intlawulo yeLunar kunye nemisebenzi yeakhawunti kwiiapps zabo. Oku kunokukhawulezisa ukuvela kumacandelo afana ne-e-commerce, uhambo, kunye neenkqubo zemeko yezoqoqosho emsebenzini. Ngexesha apho imingcipheko ye-geopolitical ikusela iimarike zamazwe ngamazwe– njengoko kubonwa kwisantya se-oyile esikhoyo ngoku kwixesha elidlulileyo $100 umphanda– ukunyamezela, Izixhobo zokwenza imali zixabiseke ngakumbi. Fumana ulwazi oluthe kratya malunga nendlela ukungabikho kozinzo kwihlabathi jikelele kuzichaphazela ngayo iimarike le rekhodi. Inguqulelo yeLunar ibonisa indlela i-fintech enokubonelela ngayo uzinzo kunye nolawulo xa iinkqubo eziqhelekileyo ziziva zingacacanga.

Yeyiphi enye yemibuzo eqhelekileyo abantu abanayo malunga neLunar kunye nalo mjikelo wenkxaso-mali? .

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

Abaninzi bayamangaliswa ukuba iLunar ngokuqinisekileyo iya kwanda ngaphandle kweScandinavia ngokukhawuleza. Impendulo nguewe– ishishini lithe lathi thsuphe ngokungena kwiimarike ezintsha kraca zaseYurophu, kunokwenzeka ukuba iJamani okanye iNetherlands, apho ukwamkelwa kwebhanki ye-elektroniki kuphezulu. Abanye bayabuza ukuba uGoogle uza kuyidibanisa na iLunar kunye neenkonzo zayo ezifana neGoogle Pay. Ngelixa akukho nto iqinisekisiweyo, I-GV idla ngokuthatha i-hand-off technique, ukuvumela iinkampani zeprofayile ziqhube ngokwahlukeneyo. Kukwakho umdla malunga nedatha yabucala. I-Lunar ithi ayikhe ithengise idatha yomsebenzisi kwaye isebenzise ukhuseleko oluphela ukuya esiphelweni kuyo yonke into ethengiweyo. Enye inkxalabo eqhubekayo: ingaba le nkxaso-mali iza kuzisa iimpawu ezintsha? Kunokwenzeka kakhulu. Nge $200 izigidi kwimithombo entsha, I-Lunar inokuthenga iingcebiso zezoqoqosho eziqhutywa yi-AI, iiakhawunti zemali ezininzi, kwaye mhlawumbi kwaneendlela ezizezinye zemali ezivumelana nokusingqongileyo ezivuza inkcitho ehlala ihleli. Ukujonga ngqo kwindlela itekhnoloji ehamba ngokukhawuleza enokuphucula ngayo ubomi bemihla ngemihla, cinga ngendlela ibhetri entsha ye-BYD eyongeza ngayo 240 iimayile zoluhlu kwimizuzu nje emihlanu– ingcebiso yokuba isantya kunye nokusebenza kakuhle kulindelwe ngoku phantse kuyo yonke indawo, kuquka ezemali. Fumana ulwazi oluthe kratya malunga nophuhliso lwenkqubela phambili efana nale apha oku kubhala.