I-Google Endeavor Arm Leads iyahola $200 I-Million Finance Round ku-European Fintech Start-up
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Kuyini ukuqaliswa kwe-fintech yaseYurophu okusanda kukhula $200 izigidi
Isiqalo esikhula ngokushesha se-fintech saseYurophu sivikele okukhulu $200 izigidi ngezimali ezintsha. Umjikelezo ubuholwa yingalo yomzamo weGoogle, GV, eyaziwa ngokusekela izinkampani zobuchwepheshe ezinesibindi ezinamandla emhlabeni wonke. Ukuqala, ogama lakhe seliphenduke undabuzekwayo emibuthanweni yezezimali, inikeza inkundla yedijithali eqondisa izinkokhelo eziwela imingcele, ukushintshana kwemali, kanye nezezimali zenhlangano kumabhizinisi amancane naphakathi nendawo. Isekelwe eBerlin, isungule idumela ku-inthanethi lokubhoboza itheyiphu ebomvu nokuletha ngendlela ehlelekile, amadivayisi asebenziseka kalula amabhange ajwayele ukuwashaya indiva. Le nhlanganisela yemali yemali yakamuva iphawula phakathi kwemizuliswano emikhulukazi yeqoqo C e-Europe kulo nyaka futhi ikhombisa ukuzethemba okuqinile konxiwankulu bezinga eliphezulu.. Imininingwane eyengeziwe mayelana nokunikezwayo ingatholwa kokuthi lesi sixhumanisi.
Kungani umzamo weGoogle wakhetha ukutshala imali kulokhu kuqalisa kwe-fintech
I-GV ayijikijeli ngemali ngobumnene. Isesha iziqalo ezibhekana nezinkinga zangempela ngokusungula izinto ezintsha. Le fintech yaseYurophu ihlola womabili amabhokisi. Amabhizinisi endawo kulo lonke izwekazi anenkinga ngokudluliswa kwemali okuhamba kancane emhlabeni wonke, amacala afihliwe, kanye nezindawo zomsebenzisi wezezimali eziphelelwe yisikhathi. Ukuqala kuthatha lezi zici zobuhlungu ngqo ngamanani acacile, real-time transaction ukuqapha, kanye nokuhlanganiswa okushelelayo nohlelo lwesoftware yokugcina amabhuku. I-Google ibona ithuba lokusekela inkampani ehambisana nomgomo wayo wokwenza izinhlelo eziyinkimbinkimbi zibe lula futhi zifinyeleleke. Futhi okunye, Igumbi le-fintech eYurophu liyafudumala, nabalawuli abafuna ubuchwepheshe obengeziwe nokuncintisana. Ngokusekela lo mdlali kusenesikhathi, I-GV izibeka emgogodleni woshintsho lwezomnotho olungase ludlulele ngale kwemingcele yaseYurophu.
Ngabe ubuchwepheshe besimanje bokuqala busebenza kanjani empeleni
Emnyombeni wayo, uhlelo lusebenzisa i-automation ehlakaniphile kanye nengqalasizinda esekelwe efwini ukushintsha izinqubo zebhange ezenziwa ngesandla. Lapho ibhizinisi lithumela imali phesheya kwezilwandle, isistimu ithola ngokushesha izinga lokushintshanisa ngemali elingcono kakhulu elivela kubahlinzeki besevisi abaningi be-liquidity. Ibe idlulisela inkokhelo ngesiteshi esisheshayo nesingabizi kakhulu esitholakalayo, kuvame ukweqa amabhange ezintatheli ajwayelekile. Konke lokhu kwenzeka ngemuva-kwezigcawu ngenkathi umsebenzisi ebona iphaneli yokulawula ehlanzekile eveza zonke izenzo zomsebenzi. Ukuqalisa futhi kusebenzisa ukufunda kwedivayisi ukuthola umsebenzi ongajwayelekile futhi kuvikelwe ekukhwabaniseni ngaphandle kokunciphisa izinto. Ukuphepha kubhakwa kulo lonke ungqimba, ngokubethela ngasekugcineni kanye nokuhambisana nemithetho yezezimali ye-EU. Okwamafemu anakekela i-pay-roll noma izinkokhelo zabahlinzeki ezizweni zonke, lokhu kusho ukuncipha kwekhanda elibuhlungu kanye nokulawula okwengeziwe kwenhloko-dolobha yabo.
Izicelo zesistimu ye-fintech ezimeni zenhlangano yomhlaba wangempela
Inkundla isivele isetshenziswa izinkulungwane zezinkampani, kusuka kubathengisi be-e-commerce ePortugal kuya kumafemu okukhiqiza ePoland. Omunye umthengisi we-inthanethi ubike ukuthi wehlise izindleko zesivumelwano sangaphandle senyanga nenyanga 40% ngemuva kokushintsha kusuka esikhungweni sezezimali esiyifa. Iklayenti elilodwa ngaphezulu, i-ejensi yokuklama enabasebenzi abakude 5 izizwe, manje ukhokha imali engenayo emalini yasendaweni ngokuchofoza okumbalwa nje– valelisa ezinsukwini zokulinda ukuze imali iphele. Ochwepheshe kanye nabasebenzi bemisebenzi nabo bayazuza, njengoba bengathola ukukhokhelwa kwamakhasimende e-united state noma e-Asia futhi baziguqulele kuma-euro ngokushesha. Futhi izinhlangano ezingenzi-nzuzo zisebenzisa isevisi ukuthumela izimali zosizo phesheya ngokungafihli lutho. Njengoba izinkampani eziningi zihamba emhlabeni wonke, isidingo sokushesha, amathuluzi emali angenamngcele alokhu anda. Lokhu kuqalisa kugcwalisa leso sikhala kangcono kuneningi le, isivinini sokuhlinzeka, ukucaca, kanye nokwethenjwa lapho abanye behluleka khona.
Imibuzo evame ukubuzwa mayelana nomjikelezo wokuxhasa ngemali kanye namasu okuqalisa ekusasa
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Umuntu ngamunye unemibuzo– futhi nazi izimpendulo. Okokuqala, ukuqaliswa kuzonwebeka ngaphandle kweYurophu? Yebo, ilungiselela ukungena e-united state kanye nezimakethe zaseNingizimu-mpumalanga ye-Asia ngaphakathi kokulandelayo 18 izinyanga. Okwesibili, ingabe i-Google manje ilawula inkampani? Cha, I-GV ingumxhasi wezimali abambalwa; abanikazi bagcina ukulawula okugcwele kokusebenza. Okwesithathu, uzokwenza kanjani $200 izigidi zizosetshenziswa? Iningi lazo lizosondela ekusebenzeni nabaklami, ukuthuthukisa i-cybersecurity, kanye nokwethula imisebenzi emisha efana nokubolekwa okugxilile kanye nokukhetha kokukhokha i-carbon-offset. 4th, iyisistimu ephephile yokugcina izimali zesevisi? Nakanjani– iphethe isitifiketi esigcwele sokusungulwa kwemali ngogesi esivela kumlawuli wezomnotho waseJalimane futhi igcina yonke imali yomthengi kuma-akhawunti ahlukanisiwe. Okwesihlanu, yini eyenza lokhu kuhluke kwezinye izinhlelo zokusebenza ze-fintech ezifana ne-Revolut noma i-Wise? Ngenkathi lezo zisebenzela amakhasimende kanye nabaxhumanisi kahle, lokhu kuqalisa kugxile kuphela ezidingweni zenkampani, ngokuhlanganiswa okujulile, amathuluzi okuqeda ngobuningi, kanye namaqembu asekelayo azinikele. Ukuze uthole umongo owengeziwe wokuthi bukhulu kangakanani ubuchwepheshe bubumba uxhaso lwezimali, Bheka kwi le ndaba efanele futhi lokhu kuthuthukiswa ezinhlelweni ze-cybersecurity zamazwe ngamazwe.