Iinzame zikaGoogle zeArm ziKhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Yintoni ingalo yomzamo kaGoogle kwaye yenza ntoni ngokulula? .
Ingalo yelinge likaGoogle, ebizwa ngokuba yiCapitalG, liqela lotyalo-mali lophuhliso olulinganayo phantsi kweAlphabet Inc. Igxininisa kwishishini letekhnoloji yanamhlanje ebonisa ukuba kunokwenzeka ukuba kubekho impumelelo ehlala ihleli. Kutshanje, I-CapitalG ikhokele umjikelo wenkxaso-mali obalulekileyo $200 million kwi-fintech ekhula ngokukhawuleza yaseYurophu. Le ntshukumo iphawula phakathi kolona tyalo-mali lukhulu olwenziwe yi-American tech titan kwifemu yetekhnoloji yezemali yaseYurophu kulo nyaka. Ukuqala, engekabizwa ngokusemthethweni kwiirekhodi zokuqala kodwa kucingelwa ngokubanzi ukuba ingumdlali okhulayo kwimbuyekezo ye-elektroniki okanye kwinkxaso-mali emiliselweyo., ngokuqinisekileyo iya kusebenzisa inkxaso-mali entsha ukukala imisebenzi yayo kulo lonke elaseYurophu kwaye mhlawumbi yandise eUnited States naseCanada. Unokufunda ngakumbi malunga nale ndawo ye-bargain le ngxelo inzulu.
Kutheni le nto olu tyalo-mali lubalulekile kwishishini le-fintech? .
Oku $200 Imiba yotyalo-mali lwesigidi ukusukela oko iveza itekhnoloji enkulu isabheja kakhulu kwifintech, naphakathi kokungaqiniseki kwemali ehlabathini lonke. Ukuqalwa kwe-Fintech ngokwenene kuye kwajongana neemeko ezinzima zokunyusa imali kuba 2022, kunye nabatyali-mali abaninzi ababuyela umva ngenxa yokunyuka kweendleko zokuphila kunye nokunyuka kwezinga lenzala. Kodwa inxaxheba enzulu kaGoogle ibonisa ukuzithemba kwikamva lemarike. Ikwaqaqambisa indlela izisombululo zebhanki zemveli ezilungiswa ngayo ngokutsha, iinkampani zetekhnoloji yokuqala. Kubaqalayo baseYurophu, ukuba nomncedisi onjengoCapitalG kuvula iingcango zentsebenziswano ebalulekileyo, amava ezobuchwepheshe, kunye nemfezeko yehlabathi. Ngaphezu koko, olu nikezelo lunokuba nefuthe kwezinye iinkampani ezizama ukuphonononga isikhundla sazo kwi-fintech, ukuqalisa kwakhona iliza lophuhliso kwilizwekazi lonke. Ixesha libalulekile– kanye njengokuba abasemagunyeni kwiindawo eziseNew York bephinda baqwalasela izinto eziphambili ngokubaluleka, njengoko kubonakala kwi ukutshintshwa komgaqo-nkqubo wakutshanje kumaziko edatha, Utyalo-mali lwetekhnoloji yezemali lujikeleza lusiya kubukrelekrele, izixhobo zoqoqosho ezibhityileyo.
Isicwangciso sokuqalisa siyisebenzisa njani inkxaso-mali entsha? .
Ukuqaliswa kwe-fintech yaseYurophu kuthetha ukubeka i $200 izigidi ngeenjongo ezintathu eziphambili. Ekuqaleni, ngokuqinisekileyo iya kukhawulezisa uphuhliso lwento, ngakumbi kwiindawo ezifana nokuphatha ixesha lokwenene, ukufunyanwa kobuqhophololo, kunye nokukwazi ukuthenga imida. Isibini, ishishini lijonge ukwandisa ubunjineli balo kunye namaqela enkxaso kubathengi, ukusebenza ngobuchule kumaziko abalulekileyo aseYurophu njengeBerlin, EParis, kunye neLisbon. Isithathu, ijolise ekufuneni izigunyaziso zolawulo kwiimarike ezongezelelweyo, okubalulekileyo kuyo nayiphi na i-fintech efuna ukusebenza kwinqanaba. Ngokungafaniyo nabanye abakhuphisana nabaxhomekeke kuncedo lomntu wesithathu, oku kuqalwa kuye kwaphuhlisa uninzi lwetekhnoloji ephambili endlini, ukunika ulawulo olukhulu kukhuseleko kunye namava abathengi. Olo hlobo lokudityaniswa okuthe tye yeyona nto inokwenzeka ukuba kutheni i-CapitalG iyifumene inomtsalane. Inkxaso-mali ibandakanya izibonelelo zokuthengwa kwempahla, Ukucebisa ukuqaliswa kunokufumana abakhuphisana nabo abancinci okanye iinkampani ezithile zokuvelisa izinto ezintsha zokulayisha i-voids kwinkqubo yayo..
Zeziphi iinkqubo zehlabathi zokwenyani zetekhnoloji yokuqalisa ye-fintech? .
Iqonga lokuqalisa lenzelwe ukunceda abathengi kunye nemibutho. Kubathengi bemihla ngemihla, ibonelela ngeempawu zemali ezigudileyo– cinga ukudluliselwa kwemali kwangoko, iiphaneli zolawulo lohlahlo lwabiwo-mali, kunye neentlawulo ezikhutshwayo zehlabathi ezinexabiso eliphantsi. Kumashishini amancinci naphakathi, ibonelela ngezixhobo zokuphatha inkunzi, vuma iintlawulo zedijithali, kunye nokufikeleleka kwenkunzi yokusebenza ngaphandle kokungena kumaziko emali aqhelekileyo. Esinye isicelo esibalaseleyo sisiseko sayo esiqhutywa yi-API, evumela ezinye ii-apps kunye namaqonga ukufaka iinkonzo zemali ngqo kumava abo. I-app yokwabelana ngokukhwela, njengomzekelo, inokusebenzisa itekhnoloji yale mihla yokuqalisa ukuhlawula abaqhubi ngokukhawuleza emva kohambo ngalunye. Ivenkile ethengisayo inokusebenzisa “fika ngoku, hlawula kamva” ukhetho ngaphandle kokuphuhlisa eyakhe inkqubo yembali yetyala. Ezi nkonzo zenkxaso-mali zimiliselwe ziphela zithandwa kakhulu, kwaye bamele utshintsho olubalulekileyo kude nemodeli yakudala apho amaziko emali ayelawula lonke unxibelelwano lwezoqoqosho. Le fad ihambelana neentshukumo ezibanzi ngakumbi kwitekhnoloji, njengoshicilelo lwe-Apple ukuphuhlisa imodem yayo ye-5G ukunciphisa ukuthembela kubasasazi bangaphandle– ubuchule obalulwe kwi olu hlalutyo lokuzimela kwekhonkco lokubonelela.
Yeyiphi eyona mibuzo ixhaphakileyo malunga nesi sibonelelo kunye nokuqalisa? .
(UGoogle weVenture Arm ukhokela $200 Isigidi senkxaso-mali kuMjikelo wokuQalwa kweFintech yaseYurophu)
Abantu bahlala bebuza ukuba ngaba olu qalo luyakhuphisana nee-titans ezifana neRevolut okanye iKlarna. Impendulo nguewe kwaye hayi– isebenza kwiindawo ezifanayo kodwa igxininisa ngakumbi ekwenzeni ukuba kwenzeke kwezinye iinkonzo ezahlukeneyo endaweni yokujolisa abathengi bokugqibela ngokuthe ngqo. Enye inkxalabo eqhelekileyo yeyokuba uGoogle uza kuzidibanisa na iinkonzo zokuqalisa kanye kwiimveliso zakhe ezifana neGoogle Pay. Ngelixa akukho nto iqinisekisiweyo, Utyalo-mali lwemali oludlulileyo lwe-CapitalG ngamanye amaxesha lubangele intsebenziswano yobuchwephesha enzulu, ngoko inokwenzeka. Abanye bayazibuza ukuba ngaba $200 isigidi sibandakanya ityala lemali okanye bubulungisa nje. Ngokutsho izibonelelo abaqhele deal, isekelwe kubulungisa ngokupheleleyo, ebonisa ukuba ukuqalisa akufuneki ukuhlawula imali kodwa unikezele ngecandelo lobunini. Abanye babuza malunga nedatha yabucala– okoko isiqalo siphatha ulwazi olucekethekileyo lwezemali, ingabakhusela njani abathengi? I-firm ibango isebenzisa i-encryption ekupheleni ukuya ekupheleni kwaye ilandele i-GDPR kunye neminye imigaqo-nkqubo yasekhaya.. Ekugqibeleni, uninzi lwesidingo sokwazi ukuba oku kubonisa ukuthanda kukaGoogle okukhulu kwezemali. Ngelixa uGoogle engazami ukuba liziko lezemali, ngokucacileyo ibona kufanelekile ukuxhasa inkqubo-sikhokelo enika amandla umsebenzi wemali wanamhlanje– kwaye olu tyalo-mali lubhalothi oluluqilima lokuzithemba kuba umbono.