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)
Iyini ingalo yomzamo we-Google kanye nokuqala kwe-European fintech okuhilelekile? .
Ingalo yomzamo ye-Google ibizwa nge-CapitalG. Ithimba lokutshalwa kwezimali kwe-development equity elingaphansi kwe-Alphabet Inc., Ibhizinisi lomzali le-Google. I-CapitalG igxile ezinkampanini zobuchwepheshe ezifika sekwephuzile eziveza amandla aqinile okukhula emhlabeni jikelele. Muva nje, kuholele emzuliswaneni omkhulu wezezimali $200 million ekuqaleni kwe-fintech yaseYurophu ekhuphukayo. Ukuqala, nakuba engabizwa njalo emibikweni yasekuqaleni, isebenza endaweni yezixazululo zezezimali ze-elekthronikhi futhi empeleni ithole amandla okubambelela kulo lonke elaseYurophu. Ipulatifomu yayo ihlinzeka ngokucutshungulwa kokuxazululwa kahle, amathuluzi ezezimali ashumekiwe, kanye nezinsiza zezimali ezihlakaniphile zezinsizakalo kanye nabathengi ngokufanayo. Lokhu kuvumelana kumaka phakathi kokutshalwa kwezimali okukhulu kwe-fintech okuholwa yi-CapitalG ngaphandle kwase-USA ezikhathini zamuva nje. Ungathola okwengeziwe mayelana nalesi sivumelwano sezindawo ku lesi sixhumanisi.
Kungani i-venture arm ye-Google ikhethe lokhu kuqalisa kwe-European fintech? .
I-CapitalG ayifaki imali ngobumnene. Isesha ukuqalisa ngemiklamo yenkampani ehloliwe, ukuphathwa okuqinile, kanye nezindlela ezicacile zenzuzo. Ukuqala kwe-fintech yaseYurophu kufeze zonke lezi zidingo. Ekuqaleni, empeleni isivele igibele amabhizinisi amancane naphakathi nendawo eJalimane yonkana, France, kanye namaNordic. Okwesibili, inqwaba yayo emisha yenzelwe ukukala nokuvumelana okubusayo– inhlanganisela engavamile emakethe yaseYurophu ehlukene. Okwesithathu, inzuzo yokuqalisa isikhulile 200% unyaka nonyaka eminyakeni emibili edlule. Lezi zinombolo zithwebule ukugxila kwe-CapitalG. Ngaphandle kwamamethrikhi, nezindaba zokufaneleka kwamaqhinga nazo. I-Google ifuna ukufakwa okujulile kwezixazululo zezomnotho ohlelweni lwayo lwendalo, ikakhulukazi ezimakethe lapho amabhange ajwayelekile ethutha kancane kancane. Ngokusekela lokhu kuqalisa, I-Google izuza ukubamba isimo sezezimali sedijithali esithuthuka ngokushesha saseYurophu. Ingemuva elingeziwe ekucabangeni okubaliwe litholakala kalula kokuthi leli khasi.
Kwenzeka kanjani nje $200 izigidi zemali zizosetshenziswa? .
Isiqalo silungiselela ukusebenzisa imali entsha ngezindlela ezintathu ezinkulu. Okokuqala, izokwandisa ithimba layo lokuklama ukwandisa ukuthuthuka komkhiqizo. Lokhu kuhlanganisa ukwakheka kwama-API aqine kakhulu abaklami bezinkampani zangaphandle kanye nokuthuthukisa amasistimu okuthola ukukhwabanisa kusetshenziswa ubuhlakani bokwenziwa.. Okwesibili, inkampani izocindezela izimakethe ezintsha zaseYurophu, ikakhulukazi iNingizimu neMpumalanga Yurophu, lapho i-electronic banking fostering isakhula. Okwesithathu, ingxenye yezimali izoya ekutholeni amafemu amancane ama-fintech ahlinzeka ngezixazululo ezifanayo– njengemali ethunyelwa ngaphandle kwemingcele noma uxhaso lwe-invoyisi– ukuthuthukisa uhlelo lwezezimali oluphelele. Umgomo awukona nje ukunwebeka kakhulu kodwa ukugcina ubalulekile ezinkampanini ezithembele ngokushesha, ehlukahlukene, kanye nezinqubo zomnotho ezivikelekile. Lelisu lokukhula lichazwa nakakhulu ku lomthombo.
Yiziphi izinhlelo zokusebenza zomhlaba wangempela zale nkundla yokuqalisa ye-fintech? .
Ubuchwepheshe besimanje bokuqalisa bunika amandla izenzo zezomnotho zansuku zonke kuzo zombili izinkampani nakubantu. Ngokwesibonelo, umthengisi we-inthanethi e-Spain angasebenzisa i-API yakhe ukuze anikeze ngokushesha “thola manje, khokha kamuva” ezinye izindlela ekuphumeni ngaphandle kokwakha umsebenzi kusukela phansi. Umklami ozisebenzelayo e-Poland angathola ukukhokhelwa kumakhasimende ngezinhlobo zemali ezinhlanu ezihlukahlukene futhi azenze ziguqulwe futhi zifakwe ku-akhawunti yakhe yokonga yesifunda phakathi nemizuzu.. Izinkampani ezincane zezokuthutha zingafinyelela uxhaso olusebenzayo ngokusekelwe emlandweni wazo wokuthenga, ukweqa izicelo zokuboleka zendabuko. Futhi izikhungo nezingenzi-nzuzo zisebenzisa isistimu ukuphatha ukufundiswa noma ukukhokhelwa kweminikelo ngokubuyisana okuzenzakalelayo. Lezi zinhlelo zokusebenza zinciphisa ukungqubuzana, ukunciphisa izindleko, futhi uthuthukise imali. Ngokuyisisekelo, ukuqalisa kuguqula izinqubo zezimali eziyinkimbinkimbi zibe lula, izinsiza ze-plug-and-play. Lo mphumela ophusile yingakho onxiwankulu abafana neCapitalG bebona inani elihlala njalo ebhizinisini.
Yimiphi imibuzo evame kakhulu mayelana nalo mzuliswano wokuxhasa ngezimali kanye nokuqalisa? .
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Abantu bavame ukubuza ukuthi ingabe lokhu kusho ukuthi i-Google izokwethula izinsiza zayo zamabhange e-Europe. Impendulo ithi cha– okungenani ayiqondile. I-CapitalG isebenza ngokuzimela emikhiqizweni ewumongo ye-Google, ngakho lokhu kutshalwa kwezimali kumane nje kuyimali futhi kuyisu, hhayi isignali ye-Google Bank entsha. Okunye okukhathazayo okujwayelekile ukuthi ingabe ulwazi lwekhasimende luzoboniswa yini i-Google. Isiqalo sisho ngokusobala ukuthi idatha yekhasimende iyaqhubeka nokukhethekile futhi ayabiwa nge-Alfabhethi ngaphandle uma kudingwa umthetho.. Abanye baphinde babuze ukuthi lokhu kubathinta kanjani abaqhudelana nabo abafana noRevolut noma uKlarna. Nakuba lezo zinkampani zinkulu, lokhu kuqalisa kugxile kuhlaka lwe-B2B ngokuphambene nezinhlelo zokusebenza zabathengi, ngakho-ke lisebenza ngempela njengomuntu ongase abe umngane esikhundleni sembangi. Okokugcina, abaningi bayabuza ukuthi $200 million isamba sokulinganisa. Akuyona– yinani eliqoqwe kulo mzuliswano. Ukulinganisa kwenkampani ngemuva kwemali kulinganiselwa ukuthi sekuphelile $1.5 ibhiliyoni, ukwenza i-unicorn. Lolu lwazi lusiza ukuhlukanisa i-hype neqiniso esikhaleni se-fintech esiminyene.