Nthawi zambiri zatha kuti zikhale ndalama zotayika ngati ndalama zofiirira, Banki & Kongoza | Fintech Zoom

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Zikwi za ku Europe adawonjezera ma makumi asanu ndi zikwizikwi ndi ogula zikwizikwi. Ndipo tsopano, Kulimbana kwakanthawi kuti mupeze ndalama zikuyenda bwino pankhondo yopulumuka.

Mono ndi kusintha, Atsogoleri awiri a bizinesi, analankhula za kutayika kwambiri kuposa kuwirikiza kawiri ndikupanduka kotsalira yr. Monzo adanenanso kuti pomwe panali likulu lokwanira pa chotsatira chotsatira 12 miyezi, kuthekera kwake kuchita ngati "nkhawa zopita" zasinthidwa mu malo osungirako thunthu. N26 tsekani uK stroprise iyi yr.

Malo omwe abizinesi a bizinesi amakhala owoneka bwino pobwerera ndi ogula, omwe amachepetsa ndalama za firtech firm padziko lonse lapansi 2020 pafupi 35 peresenti to US $ 25.6 biliyoni kuchokera ku gawo lofananalo 2019, akuti info wochokera ku kpmg. Opeza zidathawa ndi ndalama zachuma kuchokera ku Covid-19 zotsekeredwa kuchokera pamsika, amatero "kupaka chithunzi cha kampani ya Fintech".

Palibe chekeni

"Zojambula za mabuku osalembedwa osagwirizana kuti asonkhane ndi ogula, pakadali pano, apita,"Adayankhula za Tim, Akuluakulu akuluakulu a London Enterprise Company Company Augdglum Fintech, zomwe zayankhira mafakitale mkati mwa bizinesi yolipirira modekha ndi mafunde. Monga choloweza mmalo, Kuyang'ana kwa ogula kumapindulitsa ndi kukhazikika kwa ndalama.

Ndi osuta, ku banki yolumikizidwa, Zithunzi zambiri zapeza gawo pamsika poyerekeza ndi magulu nthawi zambiri zimatumizidwa ndi mabanki, Kupereka ulemu kwa ophunzira a College College ndikusintha kwa alendo.

Kawirikawiri, Ogula amapatsidwa nkhani zoyambira osalipidwa ndipo makampani amadzipangira ndalama zolipirira zomwe amathandizira pakuchotsa ndalama. Ziyembekezero zimatha kukonza ndalama potembenukira ku olembetsa omwe ali ndi ndalama zolipiridwa ngati mitengo yambiri yosewerera ndi malo ogona. Makampani nthawi zambiri amathandizanso kugwirira ntchito malo ogulitsira ndikulimbikitsa kapena kupitirira mayunitsi obisika, Kulipira Homeme ku Crypto Ndalama. Otsutsa adakankhira anthu ambiri kuti alambire zofuna kudziwa za chidwi ndi kugwiritsa ntchito zopititsa patsogolo.

Chifukwa cha izi, apeza makumi masauzande ndi ogula masauzande - koma ochepa ndi ofunika.

Likulu la Chikondwerero ndi Monolo Bor Bor Cock Burbger adalankhula za Fintech ali ndi chikonzero chokwanira kuti chikhale chopindulitsa, Komabe samalani kuti muchepetse. Kampaniyo 4 Miliyoni owombera akuwonetsa kale "adapeza" msika waku UK, adalankhula. Kampani yomwe kampani imaloseredwa pa lipoti la Monono, zomwe zimati zimachitika kuti zitheke kuti tiwonjezere katundu, Kupititsa patsogolo maakaunti a Enterprise ndikuyamba mkati mwa US. Olankhulira sanasangalale.

Pa Oct 31, Kampaniyo idayankhula za Weblog kuti ipereke kuti isatulutse ndalama zatsopano zochotsa kwambiri kuposa £ 250 (S $ 454) mu ndalama mu nthawi ya ma 30, ndi £ 5 ya cholowa m'malo mwa makhadi osewera.

Fintech wawona "mmodzi mumisika yonse yayitali kwambiri ku mbiri yakale,"Ms Bubbidge adayankhula. "Zinali zopanda pake kuti m'malo ena osadziwika posachedwa kapena pambuyo pake, sikuti anthu onse amapambana."

N26 Co-Deuper Maxililical adalankhula za kutaya "nthawi yayitali yopita patsogolo". Ogulitsa amathandizira mpaka pano ndipo kampaniyo ikhoza kukhala ndi kusinthana kuti zitheke, pambali pa zolimbikitsa, onse kudzera mwa yr yotsatira, adalankhula.

Ndalama zisadalire "Kukonzanso Kuyankha komwe kumakumambitsidwa ndi zofuna kuyankha", olankhulira olankhula, Popereka nthawi yopumira. Kampaniyo idaloza kukweza ndalama, zomwe zidakwera 180 peresenti yotsalira yr, ndi manambala ogula, omwe adalumpha kuchokera 3.5 miliyoni kuti 13 miliyoni poyamba mwa yr.

Zitini zatsopano, M'mbuyomu

Mbiri Yachitetezo Canprise yomwe idayenda bwino, Ndi zolephera zapamwamba ngati zomwe zimapanga zomwe zimapangitsa ogula mosamala. Kuyang'ana ku madalaivala oyendetsa ndalama atha kukhala kiyi, adalankhula za Kebbie sebastian, Kuyang'anira mkulu wa ku Fintech kufunsana peelr ndi oyang'anira zapamtunda kale.

"Njira yomwe imapangitsa kuti ndalama zithe ku banki ikhale mkati mwa bizinesi ya banki, zomwe zimangoyika ndikubwereketsa,"Adalankhula za.

Chipangano chija ndi gulu la Coverbank Corp-Ookmer Coctitution, zomwe zidanenedwa 88 peresenti yomwe imathandizira ndalama pafupifupi $ 50 miliyoni mkati 2019. Digito yobwereketsa imagwira mabungwe mu "mtima wosowa" wa makampani ambiri kwambiri kubwereketsa kwa anzanu, Co-Dauter Risi Khosla adalankhula.

"Tinapanga bizinesiyo ndi malingaliro oyang'ana kumbuyo,"Adalankhula za. "Tidakhalapo osachita chilichonse chokwanira kuyambira pokana, Ndipo akupanga njira pamwambapa zomwe malo aliwonse obwereketsa akadayembekezera. "

Bungwe la chuma limayamba kubwereketsa 2018 ndipo amalozera makasitomala aliwonse ndi mabungwe ang'onoang'ono komanso osakanikirana. Pomwe zotayika za gululi kuposa zotsalazo yr, Akuluakulu Akulu Anne Aben Borden adalankhula za pulogalamuyi adzathandiza kuti kampani ikhale yofunika kwambiri ndi nsonga ya yr.

"Ndikosavuta kukhala ndi makumi masauzande ndi ogula masauzande ngati oyang'anira alibe ndalama zilizonse ndipo sizikugwiritsa ntchito,"Adalankhula za, pamodzi ndi kuti kampani ili ndi ndalama za $ atatu mabiliyoni ambiri komanso okwera kuposa 1.5 ogula ogula.

Monzo adanenanso za £ 1.39 biliyoni a madongosolo kumapeto kwa fullical yr. Kutanthauza £ 2.36 biliyoni kumapeto kwa 2019. Makampani aliwonse ngakhale atanyamula mapulogalamu anyumba.

Kubwereketsa kumayengeka kumayeretsedwa ndipo kumakula kukhala kayendetsedwe kambiri ', adalankhula za aucgram a r rinmp. "Si chinthu chimodzi chomwe mungalepheretse kungoyambitsa ndalama zamtengo wapatali."

Njira ina

Ngati miliri ya mliri ikupitilira miyezi isanu ndi umodzi yotsatira, ndalama ziyamba kuwuma ndipo msika umakhala wophatikizika ndi katundu wa "wopsinjika m&Ngati,"A Mr Sebastian's a Sebastian's a Sebastian's.

Zilankhulo za Chinese zimakumana ndi makampani, Kupereka ulemu ku Tencent Confment ltd, ikhoza kugula msika, adalankhula za Lex Sokolin, World Fintech Co-mutu operewera.

Makasitomala otsatsa omwe ma tencent sanayankhe nthawi yomweyo pempho la ndemanga. Oyang'anira omwe angathe kungakhalenso ndi mabanki ogulitsa ndalama kapena mabungwe azachuma akufufuza kuti apikisane ndi makampani akuluakulu ambiri, amalankhula za nick kingbury, Consuedet pa Comprise Canprise Cast Company capital capital.

Mabanki a Lenducle Afika Komanso Omwe Akugulitsa Cell kuti apikisane ndi Ovuta. Gulu la Newwost Konzani Cholinga cha Fintech, zomwe zidatulutsa kubizinesi yazachuma. Goldman SACHS Gulu Inc Increver adayamba akaunti ya ndalama za digito 2016, Kupereka ngongole zanyumba zokha komanso zofufuza.

Ms Bubbige adalongosola kuphatikiza ngati "njira ina, ndi kutulutsa ", pamodzi ndi zomwe zimapangitsa kuti pakhale malingaliro abwino kwambiri komanso kuti zabwino zonse. Pang'ono