I-Google's Venture Arm Leads $200 I-Million Finance Round ku-European Fintech Start-up
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Ingalo yebhizinisi yakwaGoogle empeleni isanda kwehlisa ibhomu enkulu yezezimali emhlabeni we-fintech. Kwaholela a $200 umjikelezo wokuxhasa ngezimali ukuqaliswa kwe-fintech yaseYurophu ekhuphukayo. Lokhu kuthutha akukona cishe imali. Ibonisa ukuthi ubuchwepheshe obukhulu bubona amandla amakhulu kangakanani ekubumbeni kabusha uxhaso lwezimali ngokusungula izinto ezintsha. Ukuqala, eqhubeka nokungashiwo igama layo emibikweni yokuqala kodwa isekelwa ukubamba okuqinile kulo lonke elaseYurophu, manje ujoyina iqembu elikhethekile lezinkampani ezihehe intshisekelo yezinga le-Silicon Valley ngaphandle kwase-U.S. Yini eyenza le dili ikhetheke? Akuwona nje ubukhulu– kuwuphawu oluthumelayo mayelana nokuthi ikusasa lemali libhekephi.
Iyini i-Endeavor Arm yakwaGoogle etshala kuyo imali? .
Ingalo yebhizinisi le-Google, ebizwa ngokuthi CapitalG, igxile kumafemu okuthuthukisa asekupheleni kwesikhathi anezinhlobo zenhlangano ezihloliwe kanye nokuba khona kwemakethe okuqinile. Kulesi sibonelo, okuhlosiwe kuyisiqalo se-fintech saseYurophu esinikeza ingqalasizinda yebhange nge-elekthronikhi neyenkokhelo eyenzelwe amabhizinisi endawo kanye nabazimele. Into ewumongo izungeza amadili ashelelayo awela imingcele, ukuqapha ukusetshenziswa kwezindleko ngesikhathi sangempela, kanye nezinsizakalo zezezimali ezigxilile. Lawa mathuluzi asiza amakhasimende ukuphatha imali ngaphandle kokuthembela kumabhange ajwayelekile. Uhlelo lokuqalisa luhlanganisa ngqo nokuhamba komsebenzi okukhona– njengohlelo lwesoftware yokubalwa kwezimali noma amaphaneli okulawula e-ecommerce– ukwenza ezezimali zizizwe zingabonakali kodwa zisebenza kahle. Ungathola kabanzi mayelana nalesi sizinda sokutshalwa kwezimali ku lokhu kufakwa okuningiliziwe.
Kungani I-Google Ikhethe Lokhu Kuqalwa Kwe-Fintech? .
Amafemu amakhulu ezobuchwepheshe afana ne-Google awagcini nje ngokulandela umholo– bathuthukisa imiphakathi yemvelo. Ngokuthenga i-fintech, I-Google ithola isisekelo empilweni yezezimali yansuku zonke yezigidi. Lokhu kuqalisa okuqondile kuyahluka ngoba kuxazulula izici zobuhlungu bangempela: ukudlulisa okuhamba kancane emhlabeni jikelele, izimali eziphezulu, futhi interface clunky. Isisekelo saso sabathengi sikhula ngokushesha phakathi kwama-wanderers edijithali, amaqembu akude, naku-inthanethi nabathengisi abadinga isilinganiso nobulula. Ngaphezu kwalokho, Isimo sokulawula saseYurophu sigcina sitholakala ngokwengeziwe ekuthuthukisweni, sibonga izakhiwo ezifana ne-PSD2. Lokho kubonisa ukufinyeleleka okulula kolwazi lwasebhange kanye nokufanisa okushelelayo nezixazululo zezinkampani zangaphandle. I-Google kungenzeka ibone lokhu njengenhloko yolwandle ehlakaniphile yokwandisa iminikelo yayo yezezimali– kholwa i-Google Pay, Nokho kujule futhi ngobuhlakani. Isikhathi siphinde sihambisane namaphethini omhlaba lapho amakhasimende adinga ukulawula okwengeziwe ngemali yawo ngokusebenzisa izinhlelo zokusebenza asevele ezisebenzisa.
Isebenza Kanjani Ithekhnoloji Yokuqalisa? .
Ukuqala kusebenzisa izindawo zamafu zanamuhla ezihlanganiswe nama-API ahlakaniphile ukunamathisela amabhange, amaprosesa wokukhokha, futhi uqedele abantu ngesikhathi sangempela. Lapho umeluleki wase-Berlin efaka ama-invoyisi eklayenti e-Lisbon, uhlelo luguqula ngokuzenzakalela izimali ngezilinganiso eziseduze nemakethe, ilandelela isimo sokukhokha, futhi ifaka yonke into kudeshibhodi yomsebenzisi. Awekho amaphepha. Azikho izinsuku zokulinda zokuthola imvume. Konke kwenzeka ngemizuzwana. Ngaphansi kwesigqoko, amamodeli okufunda omshini ahlonza umsebenzi ongajwayelekile ukuvimbela ukukhwabanisa, kuyilapho ukuhlola ukuthobela imithetho kusebenza ngokuzothile ngemva kwezigcawu ukwanelisa izinqubomgomo zokulwa nokushushumbiswa kwemali. I-interface yomsebenzisi ihlala icocekile futhi isebenziseka kalula– hhayi lingo, awekho amamenyu adidayo. Lokhu “imisebenzi nje” isu yingakho ukutholwa kubhebhetheka ngokushesha. Akuwona umlingo. Idizayini ecabangelayo esongwe ngesitayela esigxile kumuntu.
Yiziphi Izicelo Zomhlaba Wangempela? .
Izinkampani ezincane zenza inzuzo enkulu. Cabanga ngomkhiqizo wesitayela sesitolo e-Paris odayisa ku-Etsy. Ngaphambi kwe, ngokuqinisekile bebezolinda amasonto ukuze bahole e-U.S. amakhasimende, ulahlekelwe imali ezindlekweni zokuguqulwa, kanye nokuzabalaza ukulungisa ukuthengisa ngezindleko. Okwamanje, ngalolu hlelo lwe-fintech, izinkokhelo zifika ngokushesha ngama-euro, izindleko zihlukanisa ngokuzenzakalelayo ngesikhathi sentela, kanye nokuqagela kokugeleza kwemali kubuyekezwa ngesikhathi sangempela. Ababonisi bayayithanda futhi. Umthuthukisi wezithombe e-Barcelona osebenzela amakhasimende e-Tokyo, E-Toronto, futhi i-Tel Aviv ingathola zonke izinkokhelo endaweni eyodwa, baguqule njengoba kudingeka, futhi sikhiphe ama-IBAN esifunda ngezwe ngalinye. Ngaphandle kwabantu, ubuchwepheshe bubuye buhlolwe yizinhlelo zesimo sezulu semisebenzi ukuze kukhokhelwe abashayeli noma abasebenzi bokulethwa kwezidingo ngokushesha okukhulu. Futhi amakolishi nezingenzi-nzuzo ziyisebenzisela ukuphatha iminikelo kuyo yonke imingcele. Ukuvumelana nezimo kuvulela iminyango kunoma ubani osebenza esikhathini esidlule ohlelweni lwezimali lwezwe elizimele. Ukuze uthole umongo owengeziwe wokuthi amasistimu anjalo ayithuthukisa kanjani imali yomuntu ngamunye, Bheka kwi le ndaba yezenzo ze-fintech ezigxile entsheni.
Yini Abantu Ababuza Ngalo Okunikezwayo? .
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Umuntu ngamunye unemibuzo– futhi eziningi zazo. Omunye ovamile uwukuthi: Ingabe i-Google izothatha izintambo zokuqalisa? Impendulo ithi cha. I-CapitalG ivamise ukuthatha ubungozi obuncane futhi ihlale icacile ekulawuleni okuqondile, okuvumela abanikazi ukugcina ukuqondisa umkhumbi. Okunye ukukhathazeka: Ulwazi lwami alunabungozi? Ukuqala kuhambisana nemithetho eqinile yolwazi lwe-EU njenge-GDPR futhi kusebenzisa ukubethela kwefayela lezinga lasebhange. Abasebenzisi banedatha yabo futhi bangayisula noma nini. Abanye bayazibuza ukuthi lokhu kuzoziqeda yini izikhungo zezezimali ezijwayelekile. Hhayi ngokuqondile. Kunalokho, ukuqala ngokuvamile kubambisana namabhange anelayisensi ukuze abambe izimali futhi ahlinzeke ngekhava yokulawula. Kuwukubambisana kakhulu kunokuthatha indawo. Abanye babuza ngezimali ezikhokhwayo. Izici eziningi eziyinhloko ziyancoma; imali engenayo isuka ezinhlelweni ze-premium, imali iyasabalala, kanye nezinsizakalo ze-B2B. Okokugcina, abaningi badinga ukwazi ukuthi ngabe itholakala kalula ngaphandle kweYurophu. Izinhlelo zentuthuko ziyaqhubeka, kodwa izinkinga zokulawula zisho ukuthi izovela kancane– okokuqala e-UK, ngemva kwalokho kungenzeka eCanada nase-Australia. Ngokumangalisayo, kuyilapho ama-tech titans efaka ukheshi emalini ye-elekthronikhi, ezinye izifunda zishaya isikhathi sokukhula kwezikhungo. New York City, Ngokwesibonelo, esanda kudluliselwa ukuze kumiswe izindawo ezintsha zolwazi iminyaka emithathu ngenxa yokukhathazeka kwamandla– isikhumbuzo sokuthi intuthuko kumele ilingane nokusimama, njengoba kugcinwe engqondweni ku lombiko.