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 ukuqaliswa kwe-fintech yaseYurophu eye yanda nje $200 izigidi
Ukuqala kwe-fintech yaseYurophu ebizwa ngokuba yi-Flowly ikhusele ubuninzi $200 izigidi kwinkxaso-mali entsha. Umjikelo wawukhokelwa yingalo yenkunzi ye-equity kaGoogle, I-Gradient Ventures. Ukuhamba kakuhle ayisosicelo sakho sezemali esiqhelekileyo. Inika iqonga elikrelekrele elinceda iinkampani ezincinci kunye neziphakathi zikhathalela ukuhamba kwemali, i-invoyisi ezenzekelayo, kunye nokufumana ukufikelela kumlinganiselo wetyala ngoko nangoko ngokusekelwe kulwazi lwexesha lokwenyani. Ukususela ekusungulweni kwayo kwiminyaka emithathu ngaphambili, I-Flowly ikhule ngokuthula kulo lonke elaseJamani, Fransi, kunye neNetherlands. Ngoku, ngolu dubulo lwenkunzi entsha kraca, ilungiselela ukukala ngokukhawuleza kakhulu kwilizwekazi lonke. Unokufumana okungakumbi malunga nesi sibonelelo Inkcazo yenkampani ye-MIS-Asia.
Kutheni le nto ingalo kaGoogle ikhethe ukutyala imali kwi-Flowly
UGoogle akaphosi imali kancinci. Iyunithi yomzamo wayo, I-Slope Ventures, igxile ekuqaliseni kwasekuqaleni kunye nezakhiwo ezomeleleyo zobugcisa kunye nezifundo ezicacileyo ezichaphazela intengiso. Ngokuqubhayo babambe iliso labo kuba isombulula eyona nto ingathandekiyo: ukungaqiniseki kokungena kwemali kumashishini amancinci. Uninzi lwezi nkampani ziyasokola ukufumana imali-mboleko yemoto kumaziko emali asemgangathweni ngenxa yokungabikho kwembali yetyala okanye isibambiso. I-Flowly isebenzisa umenzi wokufumana ukuhlalutya intengiso yemihla ngemihla, iipatheni zokuhlawula, kunye nemikhwa yabathengi ukusebenzisa iinketho zemali eziguqukayo. Obu buchwephesha bulungelelaniswa nendlela ebanzi kaGoogle yokuhambisa intengiso yangaphambili kwaye ifikelele ekusebenzeni, Izixhobo zelinge eziqhutywa yi-AI. Ukuqonda okunzulu ngakumbi kwindlela imodeli yenkampani ephambili kaGoogle eqhuba ngayo, phuma olu hlahlelo kwiMIS-Asia.
Isebenza njani itekhnoloji yanamhlanje kaFlowly
Unxulumanisa ngokuthe ngqo kwiprogram yesoftware yenkampani, Jonga i-akhawunti, kunye ne-cpus yembuyekezo njengomgca oBomvu okanye i-PayPal. Yakuba iqhagamshelwe, inkqubo yayo iqhuba uhlalutyo oluqhubekayo kwiimali ezingenayo neziphumayo. Ukuba ivenkile yepastry ibona i-spike kwintengiso yekhefu lempelaveki, I-Flowly inokunyusa ngoko nangoko isiqingqo setyala esinikiweyo ekufumaneni unikezelo. Ukuba umyili ozimeleyo unamatyala rhoqo ngenyanga kodwa abathengi abahlawula kancinci, Ukuqukuqela kungaqhubela phambili ukuya kuthi ga 80% lexabiso letyala kwiiyure nje ezimbalwa. Yonke le nkqubo iyazenzekela, ikhuselekile kwaye ikhuselekile, kwaye ayifuni maxwebhu. Emveni kwenkqubo, I-algorithms ye-Flowly iphucula uvavanyo lomngcipheko suku ngalunye, ngoko ke imigaqo yenkxaso-mali ihlala inobulungisa kwaye iphendula. Oku akuyobhanki ye-elektroniki kuphela– bubulumko obuguquguqukayo bezoqoqosho obakhelwe uqoqosho lwangoku.
Ukusetyenziswa kweqonga le-Flowly kwiimeko zenkampani yangempela
Iivenkile ezincinci, ababoneleli ngeenkonzo kwi-intanethi, kunye namaziko okuzilolonga asekhaya sele esebenzisa i-Flowly ukunyusa iimali zabo. Enye ibha yekofu esekwe eBerlin isebenzise i-Flowly ukukhusela imali mboleko yemoto yexesha elifutshane ngexesha lemozulu ebandayo., emva koko wayibuyisela ngokukhawuleza emva kokuba umkhenkethi wasehlotyeni efumene. I-brand ye-e-commerce yaseFransi yasebenzisa iqonga ukuxhasa ngemali kwangaphambili i-odolo ye-inventri yangoLwesihlanu oMnyama emva kokuba u-Flowly efumene imfuneko yokunyuka yabathengi kwiindlela zokuthenga zangaphambili.. Ityala elidlulileyo, Ukuqukuqela kukwanceda abathengi ukuba balindele ukunqaba kwemali kwiiveki kwangaphambili, thumela iingcebiso zokuhlawula ngekhompyutha, kwaye ulungelelanise iiakhawunti ngaphandle kokufikelela ezandleni. Ezi mpawu zonga ixesha, ukunciphisa ixhala, kwaye ugcine amashishini eqhuba nangona inzuzo idipha ngequbuliso. Kufuphi, I-Flowly isebenza njengomqhubi wezezimali– ukubukela rhoqo, rhoqo konke kulungiselelwe ukunceda.
Imibuzo edla ngokubuzwa malunga ne-Flowly kunye notyalo-mali lukaGoogle
Ngaba Flowly liziko lemali? Hayi. I-Flowly liqonga le-fintech elisebenzisana namaziko emali avunyiweyo ukubonelela ngezisombululo zokuboleka imali. Ayizibambi iidiphozithi okanye ikhuphe imali yayo.
Oko kunokusebenzisa i-Flowly? Namhlanje, ivulelekile kwiinkampani ezigunyazisiweyo kwi-EU ubuncinane iinyanga ezintandathu zembali yentengiselwano. Abanini bodwa kunye neefemu ezincinci zombini zifanelekile.
Ngaba uGoogle ngoku ungumnikazi weFlowly? Hayi. IGradient Ventures ikhokele umjikelo wenkxaso-mali kodwa yathatha inxaxheba encinci. I-Flowly ihlala iqhutywa ngabanye liqela layo lokuqala.
Ngaba ulwazi lwam lukhuselekile nge-Flowly? Ewe. Inkqubo isebenzisa ukhuseleko lwebakala lebhanki kwaye ithobele i-GDPR kunye nemigaqo ye-PSD2. Abantu ngabanye balawula ukuba yeyiphi idatha ekwabelwana ngayo kwaye banokuqhawula nanini na.
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Iza kuqukuqela ngokubanzi ngaphandle kweYurophu? Leyo iqhinga. Nge $200 million ebhankini, uphuhliso lwehlabathi– ngqo e-UK nakuMzantsi-mpuma Asia– kulindelwe phakathi koku kulandelayo 18 iinyanga. Iimpawu zokuqala zibonisa ukuba i-Flowly inokuba ligama lehlabathi jikelele kwizemali zamashishini amancinci, kanye njengokuba imeko yezempilo ye-Apple isanda ngqo ekulandeleni i-glucose, njengoko kujongwe ngaphambili Uhlaziyo lweteknoloji ye-MIS-Asia.