I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Ingalo yebhizinisi yakwaGoogle empeleni ivele yehlise ibhomu ebalulekile yokutshala imali emhlabeni we-fintech. Kwaholela a $200 izigidi zamarandi wokuxhasa ngezimali ukuqalisa okwandayo kwe-European fintech, okubonisa ukuzethemba okuqinile embonweni nasekusungulweni kwenkampani. Lesi sinyathelo asigqamisi nje kuphela izinga elikhulayo le-Google lenzalo kubuchwepheshe bezezimali kodwa futhi kugqamisa indlela uxhaso lwedijithali olulungisa kabusha isimo somnotho womhlaba.. Ukuthengiselana kukhuthaze ukunakwa okukhulu kubo bonke ubuchwepheshe kanye nemibuthano yezezimali, abaningi bayazibuza ukuthi lokhu kuqalisa empeleni kwenzani nokuthi kungani kubaluleke kakhulu.
Iyini i-Google's Venture Arm Investments In .
Ukuqala okuphakathi kwalokhu kuxoxisana yinkampani ye-fintech yaseYurophu egxile kwingqalasizinda yesizukulwane esilandelayo sokuhlala.. Nakuba igama layo lingase lingakabi igama lasekhaya, ukusungulwa kwayo sekuvele kunika amandla amadili angenamthungo ezigidini zabantu ngabanye kulo lonke izwekazi. Ukunikezwa okubalulekile kugxile ekucutshungulweni kwenkokhelo yesikhathi sangempela, izingxoxo eziwela umngcele, kanye nezinketho ezishumekiwe zezimali ezivumela izinkampani okungezona ezezezimali ukuthi zinikeze izinsizakalo ezifana namabhange. Ngokungafani namabhange ajwayelekile amiswe yizinhlelo zamagugu, lokhu kuqalisa kusebenza kuzakhiwo zomdabu zamafu, ukwenza kusheshe, ukuzivumelanisa nezimo okwengeziwe, futhi scalable nakakhulu. Ingalo yebhizinisi le-Google, kuqondwe ukwesekwa kwemidlalo yobuchwepheshe obushintshayo, ngokusobala ubona lokhu njengento ebalulekile esikhathini esizayo somsebenzi wemali.
Kungani I-Venture Arm yakwaGoogle Ikhethe Lokhu Kuqalwa Kwe-Fintech .
Kunezici eziningi ezinhle ezibangela lokhu kubheja okukhulu. Okokuqala, Isimo se-fintech saseYurophu siyakhula, ngenxa yemithetho ewusizo efana ne-PSD2 kanye nesisekelo sabathengi abahlakaniphile ngokwedijithali. Okwesibili, ukuqala kubonise ukudonsa okuhlaba umxhwele– icubungula izigidigidi ngevolumu yokwenziwe futhi isebenzisane nabathengisi abakhulu, amapulatifomu e-gig, ngisho nezixazululo zikahulumeni. Okwesithathu, I-Google kungenzeka ibone ukuvumelana nomphakathi wayo. Bona ngeso lengqondo i-Android Pay noma i-Google Purse ihlanganisa ngokujulile nalesi simiso sokuqalisa ukuze sikwazi ukushelela, ukudluliselwa okuthengekayo emhlabeni wonke. Ukwengeza, nezimbangi ezifana ne-Apple ne-Amazon ezandisa umthelela wazo kwezomnotho, I-Google ayikwazi ukuhlala. Lokhu kutshalwa kwezimali akukona imbuyiselo– imayelana nokuhlala kufanelekile emhlabeni we-elekthronikhi onezimali kakhulu. Ukuze uthole umongo owengeziwe wokuthi bukhulu kangakanani ubuchwepheshe bungena ngqo emalini, hlola lesi sivikelo I-Google venture arm ihola phambili $200 umjikelezo woxhaso lwesigidi ekuqaleni kwe-European fintech.
Usebenza Kanjani Umsebenzi Wokusungula Wokuqalisa .
Emnyombeni wayo, ukuqala kusebenzisa ama-API esimanje kanye namazinga amabhange avulekile ukuxhuma amabhange, abathengisi, futhi baqede amakhasimende ngesikhathi sangempela. Esikhundleni sokubala kancane, ama-batch-based clearing systems athatha izinsuku, isebenzisa amanethiwekhi okukhokha ngokushesha afana ne-SEPA Split Second Dlulisa Isikweletu. Uhlelo lwayo luvumela izinhlangano ukuthi zifake izibaluli ezifana “khokha kamuva,” amabhajethi emali eningi, noma ngisho nokubolekwa imali encane ngqo ezicelweni zabo– ngaphandle kokudinga ilayisense yezezimali. Konke kusebenza ku-vikelwe, uhlaka oluthobelayo olunelisa imihlahlandlela yemali ye-EU. I-backend yenzelwe isilinganiso namandla, ukusebenzisa izimiso zeleja ehlakaziwe (kodwa hhayi i-blockchain ephelele) ukulandelela amadili ngokusobala. Onjiniyela bayayijabulela ngoba ukuhlanganisa kuthatha amahora, hhayi izinyanga. Okwabathengi, iphakamisa izindleko ezincane, ukubuyiselwa kwemali ngokushesha, kanye nekhono lokukhokha ngohlobo lwemali olutuswayo ngaphandle kwama-markups afihliwe.
Izicelo Kuzo zonke Izimboni kanye Nempilo Yansuku zonke .
Lobu buchwepheshe besimanje akuwona owamabhange kuphela– isivele ishintsha indlela abantu abagcina ngayo, umsebenzi, futhi unakekele imali. Abashayeli bezimoto ezihamba ngezinyawo bakhokhelwa ngokushesha ngemva kohambo ngalunye esikhundleni sokulinda masonto onke. Ezimakethe ze-inthanethi zivumela abathengi nabathengisi ukuthi bacacise ngemali ehlukahlukene ngokungqubuzana okucishe kungabiziro. Izinkampani ezincane zisebenzisa inkundla ukuze zinikeze inkokhelo yobulungu ngokuzama kabusha okuzenzakalelayo kanye ne-dunning ehlakaniphile. Ngisho nezinkonzo zomphakathi ziyakwamukela: amanye amadolobha ase-Europe manje avumela izakhamizi ukuthi zikhokhe izikweletu zezinsiza noma izinhlawulo zokupaka izimoto ngama-chatbot axhaswe yile njini ye-fintech. Kwezemfundo nokufunda, amanyuvesi ayisebenzisela ukukhokha imifundaze noma aqongelele izifundo zabafundi bomhlaba wonke ngokungenasici. Izinhlelo zokusebenza zihlala zikhula ngenxa yokuthi uhlelo luyi-modular– ungaxhuma ngocezu oludingayo kuphela, noma ngabe ukuqinisekiswa kobunikazi, ukutholakala kokukhwabanisa, noma ukuqapha imali. Njengoba ibhizinisi le-elekthronikhi likhula, kanjalo nesidingo samapayipi ezomnotho ashesha, futhi lokhu kuqalisa kubeka amapayipi.
Imibuzo evamise ukubuzwa Mayelana ne-Offer kanye ne-Fintech Landscape .
Ingabe lokhu kuqalisa kuya emphakathini ngokushesha? Hhayi okwamanje. I $200 umjikelezo wesigidi uxhaso lwe-Series C, okusho ukuthi isesimweni sokukhula, ungashiyi imodi. Imali izosimamisa ukukhula izimakethe ezintsha sha njengeSoutheast Asia neLatin America.
Ingabe i-Google manje isiphethe ukuqalisa? Cha. Ingalo yomzamo yeGoogle ihola umzuliswano kodwa ayithathi ukulawula okuningi. Abadali bagcina ukuzimela okusebenzayo, okuyinto evamile ekuhlinzekweni okunjalo.
Ingabe lokhu kuzothinta abantu abavamile bezixazululo ze-Google? Ngokungaqondile, yebo. Ngokuhamba kwesikhathi, ungase ubone inhlanganisela eqinile– njengokusebenzisa i-akhawunti yakho ye-Google ukuze ungene ohlelweni lokusebenza lwe-fintech noma ukubona izinkokhelo ezisheshayo uma ungunjiniyela wezinto ezibonakalayo ku-YouTube usebenzisa amadivayisi akhe okukhokha.
Ingabe le ngxenye yethrendi enkulu? Nakanjani. Amafemu amakhulu ezobuchwepheshe aya ngokuya engena kwezezimali. Ukusuka ekhadini le-Apple ukuya e-Amazon Ukuboleka, umugqa phakathi kobuchwepheshe nezezimali uyafiphala. Ungafunda kabanzi mayelana namashifu embonini, okuhlanganisa izimpendulo zomuntu ngamunye kuma-crossovers we-tech-finance, kulo mbiko on Ukubambisana kwebutho le-OpenAI kwenza kusebenze ukuhlehla kwamakhasimende, okubonisa ukuthi abantu ngabanye bazwela kangakanani ekufinyeleleni ngokweqile kobuchwepheshe.
Lokhu kungandisa izinkinga zokulawula? Kungenzeka kakhulu. Abalawuli baseYurophu sebevele bejabulela ukuhamba kobuchwepheshe obukhulu ngqo emalini ngokucophelela. Noma kunjalo, njengoba lokhu kuqaliswa kusebenza njengenhlangano eqinisekisiwe yokuhlala– hhayi isikhungo sezezimali– ihlala ngaphakathi kwemingcele yamanje. Noma kunjalo, lindela ukuhlaziywa njengoba ubambiswano luqina. Kunothi elihlobene, imisebenzi yokuphoqelela umhlaba wonke iyakhula ngokumelene nezinsongo ze-electronic; njengesibonelo, ukwehliswa kwamanje kwezinkundla ze-inthanethi ze-cyberpunk njenge-LeakBase kukhombisa ukuthi ohulumeni bakuthatha ngokungathi sína kangakanani ukuzinza kwe-electronic ecosystem, njengoba kuchaziwe ku I-United States ne-EU bajoyina amandla ukuze babambe iLeakBase.
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Lo mjikelezo woxhaso ungaphezu nje kwesihloko– kuyisibonakaliso sokuthi ikusasa lemali libhalwa ikhodi manje kuma-hubs aseYurophu, nama-titans aseSilicon Valley ayaqaphela. Inhlanganisela yokubonakala okulawulayo, ikhono lezobuchwepheshe, kanye nesidingo sabathengi kwenza iYurophu ibe yindawo eningi yobuchwepheshe be-fintech. Futhi ngosekelo lwe-Google, lokhu kuqalisa kubekwe esikhundleni sokuba uthishanhloko endleleni imali ehambisa ngayo iminyaka ye-elekthronikhi.