I-Google Endeavor Arm Leads iyahola $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Iyini ingalo yomzamo weGoogle futhi yenzani nje? .
Ingalo yebhizinisi le-Google, ebizwa ngokuthi CapitalG, ithimba lokutshalwa kwezimali kwe-development equity ngaphansi kwe-Alphabet Inc. Igxile ebhizinisini lobuchwepheshe besimanje elifika sekwephuzile eliveza amathuba aqinile okuphumelela okuhlala njalo. Muva nje, I-CapitalG ihole umjikelezo obalulekile wokuthola imali $200 million ekuqaleni kwe-fintech yaseYurophu ekhula ngokushesha. Lesi sinyathelo siphawula phakathi kokutshalwa kwezimali okukhulu kwe-American tech titan enkampanini yobuchwepheshe bezezimali yaseYurophu kulo nyaka. Ukuqala, empeleni okungakaqanjwa ngokusemthethweni kumarekhodi okuqala nokho kucatshangwa kabanzi ukuthi idlala indima ekhulayo ekukhokheni nge-elekthronikhi noma ekuxhaseni ngezimali okugxilile., ngokuqinisekile izosebenzisa uxhaso olusha ukukala imisebenzi yayo kulo lonke elaseYurophu futhi mhlawumbe inwebe e-United States naseCanada. Ungafunda kabanzi mayelana nalesi sivumelwano sezindawo ku lokhu kuhlanganisa okujulile.
Kungani lokhu kutshalwa kwezimali kubaluleke kakhulu embonini ye-fintech? .
Lokhu $200 izigidi zezinkinga zokutshalwa kwezimali kwezezimali njengoba kuveza ubuchwepheshe obukhulu zisabheja kakhulu ku-fintech, ngisho naphezu kokungaqiniseki kwezimali emhlabeni wonke. Ukuqala kweFintech empeleni kubhekane nezimo ezinzima zokuqongelela imali ngoba 2022, nabatshalizimali abaningi ababuyela emuva ngenxa yokukhuphuka kwezindleko zokuphila kanye nezinga lenzalo elikhuphukayo. Kodwa ukubamba iqhaza okujulile kwe-Google kubonisa ukuzethemba ngekusasa lemakethe. Iphinde igqamise ukuthi izixazululo zebhange zendabuko zilungiswa kanjani kabusha, izinkampani ze-tech-first. Kwabaqalayo baseYurophu, ukuba nomsizi onjengoCapitalG kuvula iminyango yokusebenzisana okubalulekile, ulwazi lwezobuchwepheshe, kanye nobuqotho bomhlaba wonke. Ngaphezu kwalokho, lokhu okunikezwayo kungase kube nomthelela kwezinye izinkampani ukuthi zibuyekeze isikhundla sazo ku-fintech, okungenzeka kuqale kabusha igagasi lentuthuko kulo lonke izwekazi. Isikhathi sibalulekile– njengoba iziphathimandla ezilawulayo ezindaweni zase-York fresh zicubungula kabusha izinto ezibalulekile engqalasizinda, njengoba kubonakala ku inqubomgomo yakamuva ishintsha phakathi kwezikhungo zedatha, ukutshalwa kwezimali kwezobuchwepheshe kuzungeza kuhlakaniphe kakhulu, imishini yezomnotho engenamandla.
Ngabe uhlelo lokuqalisa lusebenzisa kanjani uxhaso olusha? .
Ukuqala kwe-fintech yaseYurophu kusho ukubeka $200 million ukuze kufezeke izinhloso ezintathu ezinkulu. Ekuqaleni, ngokuqinisekile kuzosheshisa ukuthuthukiswa kwento, ikakhulukazi ezindaweni ezifana nokuphathwa kwezindawo zokuhlala ngesikhathi sangempela, ukutholwa kwemikhonyovu, kanye namakhono okuthenga awela imingcele. Okwesibili, ibhizinisi lihlose ukwandisa ubunjiniyela kanye namaqembu asekela amakhasimende, ukusebenza ngekhono ezikhungweni ezibalulekile zaseYurophu njengeBerlin, Paris, kanye neLisbon. Okwesithathu, ihlose ukufuna ukugunyazwa kokulawula ezimakethe ezengeziwe, okubalulekile kunoma iyiphi i-fintech efuna ukusebenza ngezinga. Ngokungafani nabanye abaqhudelana nabo abathembele ezikhungweni zezinkampani zangaphandle, lokhu kuqalisa empeleni kuthuthukise iningi lobuchwepheshe bayo obuyisisekelo ngaphakathi endlini, ukuyinikeza ukulawula okukhulu kokuvikeleka nolwazi lwamakhasimende. Lolo hlobo lokuhlanganiswa okuqondile cishe luyingxenye yokuthi kungani i-CapitalG yakuthola kukhanga kangaka. Ukuxhaswa ngezimali ngaphezu kwalokho kuqukethe izinhlinzeko zokuthengwa kwempahla okungenzeka, ukuncoma ukuqala kungathola izimbangi ezincane noma izinkampani ezithile zokuqamba ze-niche ukuthi zilayishe ama-voids ohlelweni lwayo..
Yiziphi izinhlelo zokusebenza zomhlaba wangempela zalokhu buchwepheshe bokuqalisa kwe-fintech? .
Isiteji sokuqala senzelwe ukusiza abathengi nezinhlangano. Okwamakhasimende nsuku zonke, inikeza izici zezimali zeselula ezibushelelezi– thatha ukudluliselwa kwemali ngokushesha, amaphaneli okulawula isabelomali, kanye nezimali ezithunyelwa emhlabeni wonke ezinenani eliphansi. Okwamabhizinisi amancane naphakathi nendawo, ihlinzeka ngamadivaysi okuphatha imali, gunyaza izinkokhelo zedijithali, kanye nokufinyeleleka kwemali yokusebenza ngaphandle kokuthola izikhungo zezezimali ezijwayelekile. Uhlelo lokusebenza olulodwa oluvelele ingqalasizinda yayo eqhutshwa i-API, evumela ezinye izinhlelo zokusebenza nezinkundla ukuthi zifake izinsiza zezezimali ngqo kokuhlangenwe nakho kwazo okukodwa. Uhlelo lokusebenza lokwabelana ngokugibela, njengesibonelo, ingase isebenzise ubuchwepheshe besimanje bokuqala ukuze ikhokhele abashayeli ngokushesha ngemva kohambo ngalunye. Isitolo sokuthenga singasebenzisa “thola okwamanje, khokha kamuva” ukukhetha ngaphandle kokusungula uhlelo lwayo lomlando wezikweletu. Lezi zinsizakalo zezimali ezigxilile zigcina zithandwa kakhulu, futhi bamele ushintsho olukhulu olukude nemodeli endala lapho izikhungo zezimali zazilawula konke ukuxhumana kwezomnotho. Le mfashini ihambisana nokunyakaza okubanzi kwezobuchwepheshe, njengomshini we-Apple ukuthuthukisa imodemu yayo ye-5G ukuze wehlise ukuthembela kubasabalalisi bangaphandle– inqubo echazwe ku lokhu kuhlaziywa kokuzethemba kwe-supply chain.
Imiphi imibuzo evame kakhulu mayelana nalesi sipho kanye nokuqalisa? .
(I-Google's Venture Arm Leads $200 Umjikelezo Woxhaso Lwezigidi Ekuqalisweni Kwe-Fintech YaseYurophu)
Abantu bavame ukubuza ukuthi ngabe lokhu kuqalisa kuyaqhudelana nama-titans afana ne-Revolut noma i-Klarna. Impendulo ithi yebo futhi cha– isebenza ezindaweni ezifanayo kodwa igxile kakhulu ekwenzeni kube nokwenzeka kwezinye izinkonzo ezihlukahlukene esikhundleni sokukhomba abathengi bokugcina ngokuqondile. Okunye okukhathazayo okujwayelekile ukuthi i-Google izohlanganisa yini izinsiza zokuqalisa emikhiqizweni yayo efana ne-Google Pay. Nakuba akukho lutho oluqinisekisiwe, Ukutshalwa kwezimali kwe-CapitalG esikhathini esidlule kuye kwabangela ukubambisana okujulile kwezobuchwepheshe, ngakho-ke kungenzeka. Abanye baphinde bazibuze ukuthi ngabe $200 million kuhlanganisa isikweletu sezimali noma ukulingana nje. Ngokusho kwezinsiza ezijwayele isivumelwano, isekelwe ngokuphelele ekulinganeni, okukhombisa ukuthi ukuqalisa akudingi ukukhokha imali kodwa unikeze ingxenye yobunikazi. Abanye babuza mayelana nobumfihlo bomuntu siqu bedatha– njengoba isiqalo siphatha ulwazi lwezezimali olubucayi, iwavikela kanjani amakhasimende? Inkampani ithi isebenzisa ukubethela kokuphela uye ekupheleni futhi ilandela i-GDPR nezinye izinqubomgomo zasendaweni ezahlukahlukene.. Okokugcina, kunesidingo esikhulu sokwazi ukuthi ngabe lokhu kukhombisa izintshisekelo ezinkulu ze-Google kwezezimali. Nakuba i-Google ingazami ukugcina iyisikhungo sezezimali, ngokusobala ikubona kuwufanele ukweseka uhlaka olunika amandla umsebenzi wemali wesimanje– futhi lokhu kutshalwa kwezimali kuyivoti eliqinile lokuzethemba ngenxa yombono.