I-Google Endeavor Arm Leads iyahola $200 I-Million Finance Round ku-European Fintech Startup
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Ingalo yebhizinisi yakwaGoogle isanda kwenza ukuthutha okubalulekile imbulunga ye-fintech. Kwaholela a $200 umjikelezo wokuxhasa ngezimali ekuqalweni kwe-fintech yaseYurophu. Lesi sivumelwano akusona nje isihloko esengeziwe. Kubonisa ukuthi ubuciko bukhulu kangakanani ibhange ekuthuthukisweni kwezimali ngaphandle kwe-united state. Ukuqala, egcine i-akhawunti encishisiwe kuze kube manje, ugqame ngokungalindelekile. Abatshalizimali babona eduze kakhulu. Imakethe iyaphithizela. Futhi isizathu ngokuphelele– lokhu kungathuthukisa indlela abantu kulo lonke elaseYurophu abanakekela ngayo ukheshi.
Iyini I-Endeavor Arm ye-Google kanye ne-Fintech Startup ngemuva kwesihloko?
Ingalo yomzamo ye-Google ibizwa nge-CapitalG. Kuyisikhwama sokuthuthukisa esizimele se-Alphabet. Ngokungafani ne-Google Ventures, egxile kumafemu asekuqaleni, I-CapitalG isekela ukuqaliswa okuvuthiwe okwengeziwe okulungiselelwe ukukala. Ukuqala kwe-European fintech endaweni yalokhu kunikezwa kubizwa ngeLunar. Isekelwe e-Denmark, I-Lunar ihlinzeka ngezinsizakalo zebhange zokuqala zeselula. Ivumela abantu ngabanye ukuphatha ama-akhawunti, khokha, ukulandelela izindleko, futhi uthole ukufinyelela kumaphuzu esikweletu– konke kusuka kudivayisi ehlakaniphile. Ngoba ukwethulwa kwayo, I-Lunar empeleni inwebe eSweden, eNorway, kanye neJalimane. I-interface yayo ehlelekile kanye nemisebenzi yesikhathi sangempela izuze intsha, amakhasimende digital-savvy. I $200 umjovo wesigidi uzoyisiza ukuthi ikhule ngokushesha futhi ifinyelele ezimakethe eziningi. Ungafunda kabanzi mayelana nalesi sivumelwano esiyingqopha-mlando I-MIS-Asia.
Kungani I-Venture Arm yakwaGoogle Ikhethe Lokhu Kuqalwa Kwe-Fintech?
I-CapitalG ayifaki imali ngobumnene. Isesha ibhizinisi elinokukhula okuqinile komuntu ngamunye, sula izifundo zokwenza imali, kanye nobuchwepheshe besimanje obungathuthukisiwe. ULunar uhlola wonke la mabhokisi. Okokuqala, empeleni yandise isisekelo samakhasimende ayo ngokuphela 300% eminyakeni emibili edlule. Okwesibili, yenza imali ngokubhaliselwe kwe-premium, izindleko zokushintshana, kanye nemikhiqizo yokuboleka– hhayi nje izikhangiso noma ukuthengiswa kwedatha. Okwesithathu, inqwaba yayo yobuchwepheshe ithuthukiswa ngaphakathi, okuphakamisa ukuthi ingakwazi ukuzivumelanisa ngokushesha nemithetho emisha sha noma izidingo zemakethe. Imboni yezezimali yaseYurophu isahlukene. Amabhange amaningi endabuko ancike ezinhlelweni eziphelelwe yisikhathi. Lokho kudala ukuvuleka okungcono kakhulu kwabadlali abanobuqili njengoLunar. I-Google ibona lokhu njengethuba elibaliwe. Ngokusekela uLunar, ithola unyawo kwezezimali zaseYurophu ngaphandle kokuthuthukisa isikhungo sezezimali ngokwaso. Imininingwane eyengeziwe mayelana nokucabanga okubaliwe ngemuva kwalokhu kutshalwa kwezimali itholakala kalula kokuthi I-MIS-Asia.
Izokwenza Kanjani $200 Isigidi Sizosetshenziswa?
Izimali zizosondela ngokuqinisekile 3 imigomo eyinhloko. Eyodwa, ukwanda emazweni amasha aseYurophu. Okubili, ukuthuthukisa izici zezinto ezifana namathuluzi okonga izindleko nezinketho zokutshala imali. 3, ukuqasha umklamo ophezulu kanye nekhono lokuvumelana. I-Lunar ihlela ukukhipha abasizi besabelomali abanamandla e-AI abafunda imikhuba yabasebenzisi futhi batuse ukusebenzisa imali ngobuchule. Futhi ihlose ukunikeza izinkokhelo ezisheshayo ezinqamula imingcele ngaphakathi kwe-EU ngamashaji ancishisiwe kunamabhange ajwayelekile.. Ukugunyazwa okubusayo kubalulekile, ngakho ingxenye yemali izosekela amaqembu asemthethweni nasongele. Okunye okubalulekile okuphezulu ukuphepha kwe-inthanethi. Njengoba izimali zedijithali zanda, kanjalo nezingozi. I-Lunar ngokuqinisekile izotshala imali kumasistimu okuthola ukukhwabanisa athuthukile. Lokhu akukhona nje ukufaka abantu ngabanye– imayelana nokwakha ukwethembana. Futhi ukwethemba yikho konke ekuxhaseni ngezimali.
Izinhlelo zokusebenza: Impela Bazozuza Kanjani Abasebenzisi Bansuku Zonke?
Kubantu abajwayelekile, Ukukhula kwe-Lunar kusho okungcono kakhulu, kubiza kancane, kanye nezezimali ezilula. Bona ngeso lengqondo ukuthola uxhaso olugunyazwe ngamaminithi ngokungafani nezinsuku. Noma ukuhlukanisa izindleko zesidlo sakusihlwa nabangane ngaphandle kokushintshisana ngemali yemali exakile. Noma ukubona kahle ukuthi utshale malini ekhofini kule nyanga– kanye nokuthola usizo lokunciphisa. Lezi izici zangempela uLunar azisebenzisayo njengamanje. Ngezimali ezengeziwe, ingafaka amaphuzu afana nokulandela umkhondo we-carbon footprint uma uthenga, ukukhushulwa kweholo ngaphandle kwenzalo, kanye nokuhambisana kahle nezimo zezomnotho zemisebenzi. Izinkampani ezincane nazo ziyazuza. Ama-freelancers nabanikazi bezitolo bangakwazi ukuphatha ukuhamba kwemali, thumela ama-invoyisi, futhi wamukele izinkokhelo zekhadi– kwenziwe ngohlelo lokusebenza olulodwa. Lolu hlobo lokulula lusetshenziselwa ukukhawulelwa kumafemu amakhulu. Okwamanje, ibandakanya wonke umuntu. I-shift ikhombisa imfashini ebanzi kwezezimali eziqhutshwa ubuchwepheshe, uma kuqhathaniswa nendlela idolobha laseNew york elicabanga kabusha ngayo izinto eziphambili ngokubaluleka kwengqalasizinda, njengoba kuhlanganisiwe lo mbiko we-MIS-Asia.
Imibuzo Evame Ukubuzwa Mayelana Nezingxoxo Nezibonisayo
Ingabe i-Google ithenga i-Lunar? Cha. I-CapitalG ithatha ingozi encane. I-Lunar ihlala izimele futhi iholwa ngumsunguli.
Ingabe idatha yami izoboniswa ku-Google? I-Lunar ithi cha. Ulwazi lomuntu siqu luhlala ngaphakathi kwezinhlelo zalo ezivikelwe. Ayinikezi ulwazi noma yabelane ngayo nomama nomama namafemu obaba ukuze kukhangiswe.
Ngingakwazi ukusebenzisa i-Lunar uma ngingahlali eYurophu? Hhayi okwamanje. Nokho izinhlelo zentuthuko zingakuguqula lokho eminyakeni embalwa ezayo.
Ingabe lokhu kumane kuyi-neobank eyengeziwe? Phezulu, yebo. Kodwa uLunar uphumela ngaphandle ngokugxila empilweni enhle yezezimali, hhayi amadili nje. Iphusha abantu ngabanye ekuziphatheni okungcono kakhulu, ukungasebenzisi okuningi.
Kungani kufanele ngiwuhloniphe lo mzuliswano woxhaso? Njengoba kusho ukushintsha. Ubuchwepheshe obukhulu busebenzisana ne-fintechs ukuletha imali yesimanje ezigidini. Uma uphumelele, ingaphusha amabhange amadala ukuthi athuthuke– noma unciphise.
Ingabe lokhu kusho ukuthi i-Google izokhipha ibhange layo maduze? Akunakwenzeka. I-CapitalG ithanda ukutshala imali esikhundleni sokusebenza. Kuhlakaniphile ukubuyisela abawinile njengoLunar kunokwakha kusukela ekuqaleni.
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Kwenzekani uma i-Lunar iwela kancane? Noma ikhubeka, imibono ihlola– njengesabelomali sesikhathi sangempela noma ukubolekwa kwezimiso zokuziphatha– izothonya abanye. Ubuchwepheshe abuvami ukudlula; imane iguqule izandla.