UGoogle weVenture Arm ukhokela $200 Isigidi sezeMali sokuQala kwiFintech yaseYurophu
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Yintoni ukuqaliswa kwe-fintech yaseYurophu esanda kwanda $200 izigidi
Ukuqaliswa kwe-fintech yaseYurophu entliziyweni yolu lwazi lubalulekileyo lwenkxaso-mali ibizwa ngokuba yiTesseract. Yinkampani ekhula ngokukhawuleza eseBerlin ephuhlisa amaziko edijithali kumaziko emali kunye neebhanki kulo lonke elaseYurophu. I-Tesseract ibonelela ngenkqubo yamafu enceda amaziko ezemali aphucule iinkqubo zawo ngaphandle kokufuna ukwakha kwakhona yonke into encinci ukusuka kwisikwere sokuqala.. Izixhobo zenkampani zivumela iibhanki ukuba zivelise iimveliso zemali entsha ngokukhawuleza, amaxabiso okusebenza ehlile, kunye nokuhlangabezana neemfuno ezingqongqo zolawulo ngokulula ngakumbi. Lo mjikelo wangoku wotyalo-mali ukhokelwe yingalo yomzamo kaGoogle, GV, eyaziwa ngokuxhasa ishishini letekhnoloji ephezulu kwangoko kuhambo lwabo lophuhliso. Abanye oongxowankulu batyikitya nabo, nangona kunjalo i-GV ithathe umsebenzi okhokelayo, ebonisa ukuzithemba okuqinileyo kumbono kunye nokwenza kukaTesseract. Unokufunda ngakumbi malunga nolu nikezelo Ukukhuselwa kwenkampani ye-MIS-Asia.
Kutheni le nto ingalo kaGoogle ikhethe ukuthenga oku kuqaliswa kwe-fintech
I-GV ayibuyiseli lonke uqalo oluza ngendlela yalo. Iqela lifuna iifemu ezisombulula imiba yokwenyani ngetekhnoloji enobungozi. Kwimeko kaTesseract, babona imfuno ecacileyo kwishishini lebhanki laseYurophu. Uninzi lwamaziko emali asasebenza kwiinkqubo zelifa elidala ezidodobalisayo, zibiza kakhulu, kwaye kunzima ukuphucula. I-Tesseract inikeza umaleko weziko olulumkileyo odibanisa iinkqubo zakudala kunye neenkonzo zamafu zangoku. Oku kuvumela amaziko ezemali ukuba ahlale eqinisekisiwe ngelixa esebenzisa abathengi amava angcono edijithali. Ifemu yabazali bakaGoogle, Ialfabhethi, iye yatshintsha ugxininiso lwayo kwi-AI kunye nozinzo, njengoko kugcinwe engqondweni kuhlengahlengiso lwabo lwamva nje lweshishini oluqukwa ngu I-MIS-Asia. Utyalo-mali kwi-Tesseract kulungelelanisa ukugcina obu buchule ngenxa yokuba ukuqalisa kusebenzisa i-AI ukwenza uhlalutyo lomngcipheko, ukufunyanwa kobuqhophololo, kunye nokukhwela kwabathengi. I-GV ibona kakhulu iTesseract hayi nje njengomdlalo we-fintech, nangona kunjalo njengendawo yobuchule kwinguqu yemali ye-elektroniki yaseYurophu.
Ngokwenene isebenza njani itekhnoloji yeTesseract
Iqonga likaTesseract lilinganisa umguquleli wedijithali phakathi kwesoftware yebhanki endala kunye nosetyenziso olutsha lwelifu. Amaziko emali amaninzi aseYurophu asebenzisa iinkqubo ezingundoqo ezakhiwe kumashumi eminyaka ngaphambili. Ezi nkqubo zange zenzelwe usetyenziso oluphathwayo, iindawo zokuhlala ngexesha lokwenyani, okanye uvule ii-APIs zemali. Ukuzibhala kwakhona kuya kukubuyisela umva iibhiliyoni kwaye kuthathe iminyaka. I-Tesseract ithintela oko ngokuphumla phezu kweziseko ezingundoqo ezikhoyo. Itsala idatha kwiinkqubo zelifa lemveli, iyayicoca isebenzisa izixhobo zangoku, kwaye ityhala iziphumo kwifomati eqondwa yinkqubo endala. Eli qhinga libizwa ngokuba “isigqubuthelo” okanye “ukuthabatha.” Inkqubo iquka iimodyuli zokuqinisekisa isazisi, ukucupha intengiselwano, kunye nengxelo elawulayo. Zonke ezi zibaleka efini kwaye zinokuvulwa okanye zicinywe njengee-apps kwi-smartphone. Kuba yonke into encinci iyimodyuli, amaziko emali anokuqalisa amancinci kwaye ongeze iimpawu njengoko kufuneka. Oku kunciphisa isoyikiso kwaye kukhawulezise ukusasazwa. Inkqubo yonke ikhuselekile, enokuphicothwa, kwaye yakhelwe ukuzalisekisa imithetho yemali ye-EU efana ne-PSD2 kunye ne-GDPR.
Zeziphi iinkqubo zehlabathi zokwenyani zolu khetho lwefintech
Iibhanki ngoku zisebenzisa iTesseract ukwenza izisombululo ezitsha ngokukhawuleza. Umzekelo, enye ibhanki ephakathi eSpain isebenzise inkqubo ukukhulula iakhawunti yokonga ephathwayo kwiiveki nje ezintandathu– into edla ngokuthatha ulawulo lonyaka. Elinye iziko lezemali eNetherlands libandakanye ubuchule bokuhlala ixesha lokwenyani ngaphandle kokuchukumisa inkqubo yalo yeminyaka engama-30 ubudala.. Iifemu ze-inshurensi kunye nabaphathi bezobutyebi nabo baqala ukwamkela izixhobo zeTesseract ukuze kuhlaziywe ukukhwela kwabathengi kunye nokujonga ukuthotyelwa.. Imali yokuthengisa edlulileyo, inkqubo ixhasa imali elungisiweyo, apho ishishini elingeyomali libonelela ngezisombululo zemali. Cinga ngevenkile ye-ecommerce evumela abathengi ukuba bahlawule kufakelo okanye ishishini lokurenta isithuthi elibonelela ngepolisi ye-inshurensi ekuphumeni. I-Tesseract yenza kube lula kakhulu kwezi nkampani ukuba ziqhagamshelane nothungelwano loqoqosho olulawulwayo ngokukhuselekileyo. Njengoko iimarike ezininzi zisondela kwimali ye-elektroniki, imfuno yokuguquguquka, Amaziko athobelayo afana neTesseract's ziya kukhula nje. Oku kuyinyani ngakumbi njengoko iYurophu ityhala ubandakanyo olungcono lwezemali kunye neendlela zokubhanka eziluhlaza.
Yeyiphi eyona mibuzo ixhaphakileyo malunga nalo mjikelo wenkxaso-mali kunye nokuqalisa
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Abantu bahlala bebuza ukuba iTesseract ithatha iinkampani ezinkulu zetekhnoloji ezifana neGoogle okanye iAmazon. Isisombululo nguhayi– kwenza ukuba amaziko emali akwazi ukukhuphisana nabo. I-Tesseract ibonelela ngemibutho eqhelekileyo amandla okuthelekisa amava omthengi kwii-titans zetekhnoloji ngaphandle kokulahla icala labo lolawulo.. Umbuzo owongezelelweyo oqhelekileyo kukuba ingaba oku $200 umjikelo wesigidi uthetha ukuba iTesseract ikufuphi ukuya esidlangalaleni. Akunjalo rhoqo. Ishishini lithi ngokuqinisekileyo liya kuyisebenzisa imali ukwandisa iqela labo lobunjineli, ukungena kwiimarike ezintsha kraca zaseYurophu, kwaye ikhulise izakhono zayo ze-AI. Abanye bazibuze ukuba kutheni i-GV ikhokele umjikelo endaweni yomtyali-mali oqhelekileyo we-fintech. Isizathu sibalwa: I-GV izisa ngaphezu kwemali. Ibonelela ngokufikeleleka kwisakhelo selifu sikaGoogle, iingcali zokufunda koomatshini, kunye nenethiwekhi yehlabathi. Abanye bayabuza ukuba oku kubonisa ukudodobala kweU.S. utyalo-mali lwefintech. Ngokwenene, ibonisa ukuba ubuncwane obulumkileyo bufudukela kwiindawo ezinommiselo oqinileyo kunye namandla angasetyenziswanga– njengeYurophu. Ngomxholo othe kratya malunga nendlela utyalo-mali lwetekhnoloji olutshintsha ngayo kwihlabathi jikelele, phuma le rekhodi kwiziko lolwazi laseNew York nqumama, ebonisa iifashoni ezibanzi ekulungiseleleni amaziko etekhnoloji.