I-Fintech kanye nebhange le-inthanethi: ama-neobanks, ama-akhawunti nokuphepha

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Ibhange eliku-inthanethi kanye ne-fintech kushintshe unomphela indlela esiphatha ngayo imali yethu . Eminyakeni embalwa nje, sisuke emugqeni egatsheni nganoma yikuphi ukuthengiselana saya ekuvuleni ama-akhawunti, ekutshaleni imali, noma ekuthengeni umshwalense kumaselula ethu ngemizuzu embalwa. Lolu guquko lwedijithali luveze abadlali abasha, njengezinkampani ezintsha zobuchwepheshe , ama-neobank, kanye namabhange edijithali ahlanzekile, enza umthelela omkhulu eSpain nakulo lonke elaseYurophu.

Kulesi simo, kuvela amagama afana neRevolut, N26, Monzo, EVO Banco, kanye ne-Imagin , kanye nabadlali abangaziwa kakhulu kodwa abanamandla njengoBunq, Qonto, Níquel, kanye ne-B100. Bonke bancintisana ngokunikeza izinhlelo zokusebenza ezingcono, izimali eziphansi, kanye nezici ezithuthukisiwe njengembuyiselo yemali, ukonga okuzenzakalelayo, ama-cryptocurrencies, kanye namathuluzi e-accounting amabhizinisi. Ngezansi, uzothola umhlahlandlela ophelele wokuqonda ukuthi iyini i-fintech ebhange eliku-inthanethi, ukuthi ungahlukanisa kanjani phakathi kwebhange ne-neobank, nokuthi yimaphi amaphrojekthi avelele kakhulu asebenza emakethe njengamanje.

Iyini i-fintech banking eku-inthanethi futhi kungani iguqula yonke into?

Uma sikhuluma nge -fintech esetshenziswa ebhange eliku-inthanethi, sibhekisela ezinhlanganweni ezihlanganisa izinsizakalo zezimali zendabuko (ama-akhawunti, amakhadi, imali mboleko, umshwalense, noma ukutshalwa kwezimali) nesendlalelo esinamandla sobuchwepheshe. Ngokungafani namabhange endabuko, ubudlelwano bawo nekhasimende bucishe bube yidijithali kuphela: uhlelo lokusebenza lweselula, iwebhusayithi, kanye nokusekelwa okukude.

Lezi zinkampani zisebenzisa ubuchwepheshe ukuze zenze izinqubo zibe lula, zinciphise izindleko, futhi zenze kube ngokwakho ulwazi lomsebenzisi . Esikhundleni senethiwekhi enkulu yamahhovisi, zigxila emizamweni yazo ekuthuthukiseni izinhlelo zokusebenza eziqinile, izinhlelo zokukhokha okusheshayo, ukuqinisekiswa kobunikazi ku-inthanethi, kanye namathuluzi okuhlaziya idatha avumela ukuthi baqonde kangcono amakhasimende abo.

Ngenxa yalolu tshalomali lwezobuchwepheshe, ibhange ledijithali likhule ngendlela emangalisayo eYurophu eminyakeni yamuva nje . Amabhange e-Neobanks afana ne-Revolut akhule esuka kubasebenzisi abayizigidi eziyi-1,5 kuya kweziyi-10 eminyakeni emibili nje kuphela, kanti i-N26 iphinde kabili isisekelo samakhasimende ayo safinyelela ngaphezu kwezigidi ezinhlanu esikhathini esifanayo. Namuhla, abaningi balaba badlali banabasebenzisi abangamashumi ezigidi emhlabeni jikelele.

Lolu shintsho alugcini nje ngokuthinta abadlali abasha; ngisho namabhange endabuko kuye kwadingeka ukuthi aqale imikhiqizo yedijithali noma izigaba eziku-inthanethi eziyi-100% ukuze agweme ukulahlekelwa yizinkampani ze-fintech. Kulesi simo esisha, ukuphepha nobumfihlo , ukusetshenziswa kalula, kanye nezimali zokuncintisana kuye kwaba yizidingo ezibalulekile zempumelelo.

Ungahlukanisa kanjani phakathi kwebhange lendabuko, ibhange ledijithali, ne-neobank

Enye yezinto ezibangela ukudideka okukhulu kubasebenzisi abaningi ukwazi ukuthi ibhizinisi abasebenzelana nalo liyibhange elinelayisensi, i-neobank, noma uhlelo lokusebenza lwezezimali nje , nokuthi liyahambisana yini nemithetho efana nomyalelo we-NIS2.

Ngokuvamile, ibhange (kungakhathaliseki ukuthi lendabuko noma ledijithali) liyinhlangano ephethe ilayisensi ephelele yasebhange futhi eqondiswa umlawuli (eSpain, iBhange laseSpain; kwamanye amazwe aseYurophu, ibhange labo eliphakathi). Lokhu kusho ukuthi lingamukela amadiphozithi, imali mboleko yesibonelelo, futhi izimali zakho zivame ukumbozwa uhlelo lwesiqinisekiso sediphozithi kuze kufike emkhawulweni othile.

Ngakolunye uhlangothi, ama-Neobanks angasebenza ngelayisensi yawo yasebhange noma athembele emabhange ezinkampani zangaphandle kanye nezikhungo zemali ze-elekthronikhi . Ama-neobank amaningi aseYurophu akhethe ilayisensi egcwele (njenge-N26 noma i-Bunq), kanti amanye asebenza njengabalamuli, athembele emabhange abambisene nawo ukuthi abambe ibhalansi futhi akhiphe amakhadi.

Ngokungafani namabhange avamile, lawa badlali bedijithali banikeza ulwazi oluku-inthanethi ngokuphelele nolugxile kuselula . Izinhlelo zabo zokusebenza zivumela abasebenzisi ukuvula ama-akhawunti ngemizuzu, bathole izaziso zesikhathi sangempela, badale ama-akhawunti angaphansi okonga, benze imithetho ngokuzenzakalelayo, futhi benze izinkokhelo zomhlaba wonke ngendlela ephumelela kakhulu kunezikhungo zezimali ezivamile.

Ngamafuphi: akuyona yonke into ebukeka njengebhange efonini yakho ephathekayo empeleni eyibhange ngokombono womthetho . Ngaphambi kokwenza isinqumo, kungcono ukuhlola ukuthi inalo yini ilayisensi yasebhange, ukuthi isebenza njengesikhungo semali kagesi, ukuthi ubani ovikela amadiphozithi akho, nokuthi ilawulwa kuliphi izwe.

Cabanga kanye nemodeli exubile yezinsizakalo zezezimali nezingezona ezezezimali

Ngaphakathi komkhakha wamabhange aku-inthanethi waseSpain , i-Imagin ivelele njengebhange ledijithali, eliqhutshwa yi-CaixaBank , elihlanganisa izinsizakalo zezimali zendabuko nesiphakamiso senani elibanzi ngokusekelwe kokuqukethwe kanye nezinzuzo ezingezona ezezimali. Lesi yisibonelo esicacile sendlela isikhungo sendabuko esingakha ngayo uphawu lwedijithali oluyi-100% ukuze sidonsele izithameli ezisencane.

Ngakolunye uhlangothi, i-ImaginersGen, SA yinkampani ethengisa izinsizakalo ezingezona ezezimali ngaphansi kophawu lwe-Imagin. Lokhu kufaka phakathi konke kusukela kokuqukethwe kanye nokuhlangenwe nakho kuya kwizaphulelo kanye nokunikezwa emabhizinisini abalingani, konke kufinyelelwa ngqo ngohlelo lokusebenza ngaphandle kwesidingo sezinsizakalo zebhange zendabuko.

Ngakolunye uhlangothi, uhlangothi lwebhange oluqinile luhlelwe nge-ImaginBank, uhlobo lwe-CaixaBank . Kulolu hlelo, i-ImaginersGen isebenza njenge-ejenti, kuyilapho i-CaixaBank nezinye izinhlangano ngaphakathi kweqembu empeleni zihlinzeka ngemikhiqizo eyahlukahlukene (ama-akhawunti, amakhadi, umshwalense, njll.).

Amakhadi e-Imagin akhishwa yi-CaixaBank Payments & Consumer, EFC, EP, SAU (CPC), isikhungo sokukhokha esihlanganisiwe esinendlunkulu e-Avenida de Manoteras nº 20, e-Edificio París (28050 Madrid). Amakhadi esikweletu angaphansi kokuvunyelwa kwangaphambili yi-CPC. Imali ephethwe amakhasimende ngezinsizakalo zokukhokha ivikelwe ngokufaka imali ku-akhawunti ehlukile e-CaixaBank, SA , okunikeza isendlalelo esengeziwe sokuphepha.

Ngokuphathelene nama-akhawunti amanje , inhlangano engemuva kwawo yiCaixaBank, SA, enenombolo yokuhlonza intela u-A08663619 futhi ebhaliswe neBhange laseSpain ngaphansi kwenombolo 2100, okuqinisekisa ukuthi iyibhange eliqondiswe ngokugcwele. Lokhu kusekelwa kunikeza ukuthula kwengqondo kubasebenzisi abafuna ukulula kohlelo lokusebenza lwesimanje ngaphandle kokulahlekelwa ukuzinza kwebhange elikhulu.

Emkhakheni womshuwalense, i-Imagin inikeza izinqubomgomo ezahlukahlukene eziphethwe yizinhlangano eziningana ngaphakathi kweqembu: i-VidaCaixa, i-SAU de Seguros y Reaseguros yomshwalense wokuphila kanye ne-SegurCaixa Adeslas, SA de Seguros y Reaseguros yomshwalense ongeyona impilo . I-CaixaBank, SA isebenza njengomqhubi we-bancassurance we-VidaCaixa futhi igunyaziwe i-SegurCaixa Adeslas, enekhodi ethi OE0003 kuRejista Yabasabalalisi Bomshuwalense kanye Nokuvuselelwa kwe-DGSFP kanye nomshwalense wesibopho sobungcweti ohambisanayo.

Ihhovisi elibhalisiwe leCaixaBank, SA litholakala eCalle Pintor Sorolla 2-4, 46002 Valencia , futhi le nhlangano isebenza ngaphansi kwemithetho yamanje yaseSpain. I-Imagin iyisibonelo sendlela ibhange elikhulu elingahlanganisa ngayo imikhiqizo yezezimali yendabuko nomkhiqizo omusha, wedijithali okhuthaza ukwethembeka phakathi kwentsha ngokusebenzisa ulwazi, ukubuyiselwa kwemali, kanye nezici ezithuthukisiwe.

Ama-Neobanks asebenza eSpain nezici zawo ezibalulekile

Uhlelo lwe-ecosystem lwaseSpain lwama -neobank kanye ne-fintech banking eku-inthanethi seluhluke kakhulu. Abadlali abakhulu bamazwe ngamazwe bahlala ndawonye namaphrojekthi endawo agxile ezindaweni ezithile. Ngayinye iletha imisebenzi ehlukile, amamodeli ebhizinisi ahlukene, kanye neziphakamiso zenani ezigxile kakhulu kokuhlangenwe nakho komsebenzisi.

Abanye bagxila ekongeni nasekuzuzeni ama-akhawunti, abanye ekuphathweni kwezindleko, ukubuyiselwa kwemali, noma izinkokhelo zamazwe ngamazwe , kanti abaningana bagxile emaqenjini athile njengabazimele, ama-SME, noma abantu abafudukayo. Ngezansi isibuyekezo samabhange amakhulu asebenza eSpain kanye nezici eziwenza avelele.

I-N26: Ibhange leselula eligxile emhlabeni jikelele

I-N26 yinkampani yaseJalimane ye-fintech eyasungulwa ngo-2013 eyayigxile ekuqaleni kubasebenzisi ababedinga ukuphatha imali yabo emazweni angaphezu kwelilodwa. Kusukela ngaleso sikhathi, yandise uhla lwayo lwemikhiqizo nezinsizakalo, manje inikeza ama-IBAN aseSpain nezinhlelo zemiklomelo, njengembuyiselo yemali, ukusiza abasebenza ngokuzimela ukuthi bonge iminikelo yezokuphepha komphakathi.

Uhlelo lwayo lokusebenza lweselula luhlanganisa amathuluzi okuhlukanisa izindleko akuvumela ukuthi ubone kahle ukuthi imali yakho iya kuphi . Ngenxa yalo mbono ocacile noguquguqukayo wesabelomali sakho, seluyintandokazi phakathi kwabahambi abavamile kanye nalabo abahlala emazweni amaningi.

Phakathi kwezici zayo ezivelele yikhono lokuhlela izinkokhelo nokubuka ama-debit aqondile kanye nokudluliselwa okuhleliwe okuzayo . Lokhu kusiza ukubikezela izindleko nokugwema izimanga ekupheleni kwenyanga, okuwusizo kakhulu lapho uphatha ama-akhawunti noma izinsizakalo eziningi.

Enye yezinzuzo zayo ezinkulu yi- "Spaces " eyabelwana ngayo, ama-sub-akhawunti akuvumela ukuthi uhlukanise ukonga ngezinhloso ezahlukene futhi ubuke konke ukuthengiselana kwezinyanga eziyisithupha ezedlule. Lesi sakhiwo senza kube lula ukuhlela ezezimali futhi sikuvumela ukuthi wonge ngokubambisana namalungu omndeni noma ohlala nabo.

Ngaphezu kwalokho, i-N26 inikeza imithetho yokonga ngokuzenzakalelayo njengeminikelo ehleliwe yanyanga zonke noma ukuqoqa ukuthengwa ukuze kwabelwe okwengeziwe ebhange le-piggy ledijithali. Lokhu kuzenzakalelayo okuncane kusiza ukudala umkhuba wokonga ngaphandle kokuthi umsebenzisi akuqaphele njalo.

I-Revolut: uhlelo lokusebenza oluhle kakhulu lwezezimali olugxile emhlabeni jikelele

I-Revolut iyibhange le -neobank laseBrithani elidlule amakhasimende ayizigidi ezintathu eSpain kanye namakhasimende angaphezu kwezigidi ezingu-40 emhlabeni jikelele . Amandla ayo alele ekuhlanganiseni i-akhawunti yemali eningi, amakhadi, kanye nezinsizakalo zebhizinisi nezici ezithuthukisiwe kakhulu njengokuhweba nge-cryptocurrency, umshwalense, ngisho nezinsizakalo zocingo oluphathwayo.

Elinye lamathuluzi abo ahamba phambili uhlelo lokubuyiselwa kwemali , olubuyisela iphesenti yenani lokuthengwa kwamakhadi afanelekile. Bachaza ukuthi umvuzo ubalwa enanini eliphelele bese ufinyelelwa enanini eliphelele eliseduze ngokuzenzakalelayo, okuholela ekubuyiselweni kwemali okuncane nokungaguquguquki komsebenzisi.

I-Revolut iphinde yazibeka njengomhlinzeki wemikhiqizo yesikweletu . Ukwengezwa kwekhadi lesikweletu lesibili eSpain kuqinisa ukunikezwa kwalo futhi kuthembisa ukukhulisa ukukhula kwalo emakethe yendawo, lapho selivele lincintisana khona mathupha namabhange endabuko kanye nabakhiphi bamakhadi.

Okulandelayo: i-akhawunti ene-IBAN yaseSpain kodwa ngaphandle kwelayisense yayo yasebhange

I-Bnext iyinkampani ye-fintech yaseSpain, nakuba ingenayo ilayisensi yasebhange , enikeza amakhasimende ayo i-Spanish IBAN ukuze ikwazi ukwenza imisebenzi yansuku zonke ibe lula. Lokhu kuwusizo ikakhulukazi kubasebenzisi abafuna i-akhawunti yendawo ngaphandle kokushintsha ibhange labo eliyinhloko.

Naphezu kokuthola inhlawulo evela eBhange laseSpain ngokwehluleka ukubika ngokushesha izinguquko ezibalulekile ekubambeni amasheya alo , inkampani igcina inani elikhulu lebhizinisi futhi iqhubekile nokuthuthukisa ipulatifomu yayo.

Umkhiqizo wabo oyinhloko yi- Akhawunti Yokukhokha engenamali yokuvula , evumela abasebenzisi ukuthi bahlele amadiphozithi aqondile emiholo kanye neminye imali engenayo, kanye nezikweletu ezivamile. Ngaphezu kwalokho, banikeza amazinga okudlulisa aphesheya ancintisanayo, isici esithandwa kakhulu abasebenzisi abathumela imali phesheya.

I-akhawunti ihambisana nekhadi ledebithi lamahhala elingenazo izimali zokulungisa , okwenza kube inketho ekhangayo kulabo abafuna ukuzama ukubhenka ngedijithali ngaphandle kokuthola izindleko eziphindaphindayo.

I-B100: inzuzo exhunywe nempilo nokusimama

I-B100 yi- neobank eyasungulwa yi-ABANCA ezibeke phakathi kwalabo abanikeza amakhasimende ayo imbuyiselo ephezulu kakhulu. Isiphakamiso sayo sisekelwe emcabangweni wokuqala kakhulu: ukuhlanganisa imali, impilo, kanye nomthwalo wemfanelo wezemvelo kumkhiqizo owodwa wezezimali.

Ingqikithi yale modeli yi- Health Account , i-akhawunti yokonga enembuyiselo ephezulu kakhulu enguqulweni yayo yamahhala, ngokusobala ingcono kuneyabancintisani abaningi. Isici sayo esiyingqayizivele ukuthi imali ingangezwa kuphela kule akhawunti ngomsebenzi womzimba womsebenzisi.

Ukuze ufake imali kwi-Akhawunti Yezempilo, udinga ukuhamba noma ukugijima uze ufinyelele inani elithile lezinyathelo , okube sekuba yiminikelo ku-akhawunti. Lokhu kukhuthaza ukuzivocavoca umzimba ngesikhathi esifanayo kukhulisa ukonga, kudala isikhuthazo esiphindwe kabili esikhangayo kakhulu.

I-B100 iphinde yethula ikhadi ledebithi lamahhala elibizwa ngokuthi i-Pay to Save , elihlobene nezinhlelo zokulwa nokungcoliswa kolwandle. Yonke inkokhelo eyenziwa ngumsebenzisi ifaka isandla kumaphrojekthi okuhlanza ulwandle, ibeka leli bhange le-neo njengelinye lasebenza kakhulu maqondana nomthelela wemvelo.

I-Íkualo: ukubhanga kwabafuduki

I-Íkualo iyibhange le-neobank elisanda kusungulwa elinomgomo oyinhloko wokufaka abokufika abanepasipoti kuphela ohlelweni lwezezimali . Leli qembu livame ukubhekana nezingqinamba eziningi ekuvuleni ama-akhawunti emabhange avamile ngenxa yokuntuleka komlando wesikweletu sendawo noma amadokhumenti engeziwe.

Isiphakamiso sika-Íkualo sihilela ukuvumela abasebenzisi ukuvula i-akhawunti ngokuletha ipasipoti kanye nerisidi noma ubufakazi bekheli , ukuqedela inqubo ngocingo lwevidiyo ukuqinisekisa ubuwena. Ngokusekelwe kulolu lwazi, uhlelo lukhiqiza amaphuzu esikweletu.

Ukuze kufezwe lokhu, inhlangano isebenzisa kakhulu ubuhlakani bokwenziwa , ukufunda komshini, kanye nedatha enkulu ukuhlola ubungozi bamakhasimende angafanelani namamodeli avamile. Lokhu kuyivumela ukuthi inikeze imikhiqizo yezezimali eyisisekelo kubantu ababengakhishwa ohlelweni lwebhange.

I-Nickel: ibhange lendawo ngokusebenzisa osogwayi nezitolo zelotho

I-Nickel yibhange ledijithali leqembu le-BNP Paribas elikhethe imodeli eyingqayizivele kakhulu: esebenza kakhulu ngabathengisi begwayi nezitolo zelotho ezindaweni ezinabantu abambalwa. Ngenxa yale ndlela, isivele inamaphuzu okuthengisa angaba ngu-2.000 eSpain.

Lokhu kusetshenziswa ngokomzimba kwenza i-Níquel ibe ngenye yezinkampani ezinezindawo zokufinyelela imali eziningi emakethe yaseSpain , okwenza kube kuhle kakhulu kubantu abazisa ukuba nendawo eseduze yokukhipha imali ngaphandle kokuya egatsheni lasebhange.

Umgomo wabo ukufinyelela ama-akhawunti angaba ngu-600.000 avulwe ngonyaka olandelayo , besebenzisa ithuba lokuvalwa kwegatsha lasebhange emadolobheni amaningi. Le nsizakalo ibiza ama-€25 ngonyaka futhi ifaka phakathi i-akhawunti yesheke, ikhadi ledebithi le-Mastercard, kanye nethuba lokuguqula umthengisi we-tobacco wendawo abe uhlobo "lwebhange lomakhelwane."

I-Nickel igcwalisa inethiwekhi yayo ebonakalayo ngohlelo lokusebenza kanye newebhusayithi yokuphatha imali , kanye nensizakalo yokusekela ngocingo evela eSeville naseMadrid, enikeza ukusondelana okwengeziwe kanye nokuzethemba kubasebenzisi abangawazi kahle amadivayisi edijithali.

I-EVO Bank: igatsha ledijithali lebhange lendabuko

I-EVO Banco yasungulwa ngo-2012 ngendlela ephazamisayo kakhulu, futhi kusukela ngo-2019, izimise njengegatsha ledijithali eliphelele leBankinter . Eminyakeni edlule, ithole imiklomelo eminingi ngenxa yebhange layo eliku-inthanethi kanye nokuzibophezela kwayo emikhiqizweni elula nesobala.

Elinye lamathuluzi alo amele kakhulu yi- Smart Piggy Bank , uhlelo lokonga oluzenzakalelayo ngokuphelele futhi olulungisekayo kakhulu. Abasebenzisi bangenza kusebenze imithetho efana nokuqoqa ukuthenga, ukwenza iminikelo ejwayelekile, noma ukusebenzisa i-gamification ukwandisa kalula ukonga kwabo.

I-EVO iphinde inikeze imali ebuyayo ehlakaniphile, ekuvumela ukuthi wonge kufika ku-8% kukho konke ukuthenga ezitolo ezihlanganyelayo. Lesi saphulelo sihlanganiswe nokukhushulwa noma ukuthengisa okukhona, okwenza kube mnandi nakakhulu kumakhasimende.

Ngokuphathelene nokufinyelela imali, i-EVO inezipesheli zama-ATM zamahhala ezingaphezu kuka-18.000 eSpain kanye nokuhoxiswa kwamakhadi edebithi mahhala kuma-ATM emhlabeni jikelele, okuyinzuzo enkulu kubahambi abavamile kanye nabantu abahambahamba kakhulu ngenxa yomsebenzi.

I-Bunq: ibhange ledijithali elinendlela yokuzulazula neluhlaza

I-Bunq yibhange ledijithali laseDashi elandise inani lediphozithi yamakhasimende ayo ngokuphindwe kasikhombisa ngonyaka owodwa, izibeka njengebhange ledijithali lesibili ngobukhulu eYurophu. Lafika eSpain ngo-2021 futhi muva nje lavula i-akhawunti yokonga encintisana kakhulu enenzalo ephezulu.

Umsunguli wayo, u-Ali Niknam, uveza ukuthi ingxenye enkulu yamakhasimende ayo angabantu abazulazulayo bedijithali nabahambi abafuna ulwazi olungcono kakhulu lwebhange elihambayo futhi abafuna ukugwema ukungezwani okuvamile kwezinhlangano eziningi zendabuko.

Ngaphezu kwezinsizakalo zayo zezezimali, iBunq yakhe isu eligxile ekusimeni , ukutshala imali ekutshalweni kabusha kwamahlathi kanye namaphrojekthi anethonya elihle emiphakathini yendawo kanye nemvelo. Lokhu kuqinisa isikhundla sayo njengebhange eliluhlaza nelinomthwalo wemfanelo.

I-Qonto: inketho ye-fintech yama-SME nama-freelancers

I-Qonto izibeke njengomhlinzeki webhange ledijithali ohamba phambili wama-SME, ama-freelancers, kanye nama-startup . Ukunikezwa kwayo kugxile ekwenzeni lula amabhange ebhizinisi kanye nokubalwa kwezimali, izinqubo ezivame ukuthatha isikhathi esiningi kanye nezinsizakusebenza.

Phakathi kwezici zayo eziwusizo kakhulu ukufanisa ngokuzenzakalelayo amarisidi nama-invoyisi nokuthengiselana kwebhange , kanye nekhono lokufaka amalebula namanothi ngokwezifiso. Lokhu kuvumela ukulandelela kwezezimali okucacile nokuphumelelayo ngaphandle kokuthembela kumaspredishithi angenamkhawulo.

I-Qonto ihlela ukunikezwa kwayo ngezigaba ezine zamakhasimende : osomabhizinisi abasafufusa, amabhizinisi azimele asunguliwe, amabhizinisi amancane anabasebenzi abangu-1 kuya kwabangu-9, kanye nama-SME anabasebenzi abangafika ku-250. Ingxenye ngayinye inezinhlelo nezici ezenzelwe izidingo zayo.

Cabanga nje: ukwakha ukwethembeka nezizukulwane ezintsha

Ngaphandle kwesakhiwo sayo senkampani, i-Imagin isebenza njengebhange ledijithali elenzelwe intsha kanye nentsha . Elinye lamaphuzu ayo ayinhloko okuthengisa yikhono lokusebenzisa i-Bizum noma ungaphansi kweminyaka engu-18, okuye kwakhulisa ukuthandwa kwayo phakathi kwabasebenzisi abasebasha.

Lapho beba neminyaka engu-18, abasebenzisi baba amakhasimende e-Imagin abantu abadala ngokuzenzakalelayo , ngaphandle kwesidingo sokushintsha izinhlelo zokusebenza noma izikhungo zezezimali. Le ndlela isiza i-CaixaBank ukwehlisa iminyaka yobudala ephakathi kwesisekelo samakhasimende ayo futhi yakhe ukwethembeka ngezizukulwane ezintsha kusukela ebuntwaneni.

I-Imagin ivelele futhi ngemodyuli yayo yokubuyiselwa kwemali enezaphulelo ezikhethekile zokuhamba namahhotela, izindawo zokudlela, ukudla, imfashini, kanye nobuhle. Ukusebenzisa ikhadi lamahhala kuvula imivuzo ehlukahlukene, kunezela into ejabulisayo nezuzisayo ebudlelwaneni bakho nebhange.

Konke lokhu kwenza i-Imagin ibe yisibonelo esihle sendlela ibhange lendabuko elingaqalisa ngayo uhlobo olusha lwedijithali ukuze lincintisane nama-neobank amsulwa endaweni yolwazi lomsebenzisi kanye nezinzuzo zamakhasimende amasha.

Amabhange edijithali angcono kakhulu eYurophu ngale kweSpain

Igagasi le-fintech aligcini emakethe yaseSpain; amabhange amaningi e-neobank namabhange aphikisanayo avele kulo lonke elaseYurophu , enikeza izinsizakalo ngezinga lamazwe ngamazwe. Ukukhetha phakathi kwawo akulula, ngoba amaningi anezinsizakalo ezithile, kusukela kuma-akhawunti wamahhala amancane kuya kuzinhlelo zokusebenza zezimali ezinhle kakhulu ezigcwele izinsizakalo ezengeziwe.

Esikhundleni sokugxila kuphela enanini lamakhasimende noma imali engenayo, abahlaziyi abaningi batusa ukunaka izici ezihlukile, izinga lokusungula izinto ezintsha, kanye nedumela inkampani enalo emakethe. Kulesi simo, amanye amagama avelele ngenxa yobukhulu bawo, ukugxila kwawo, noma ikhwalithi yomkhiqizo wawo.

Revolut njengomholi omkhulu waseYurophu

I-Revolut, enabasebenzisi abangaphezu kwezigidi ezingu-25 emhlabeni jikelele , izisungule njengenye yamabhange amakhulu edijithali eYurophu. Ngaphezu kwamandla ayo okukhokha kanye nokushintshaniswa kwemali, inikeza imali mboleko yomuntu siqu, ukudluliselwa kwamazwe ngamazwe mahhala ezinhlelweni ezikhethiwe, umshwalense wokuhamba kanye noweselula, ngisho nokuhweba nge-cryptocurrency.

Impumelelo yayo ichazwa kakhulu yimali ephansi kakhulu kanye nekhono elikhulu lokusungula izinto ezintsha ngokushesha . I-Revolut izuze idumela lokubeka ikhasimende kuqala, ilungisa ngokushesha izici zohlelo lokusebenza futhi iqalise njalo izinsizakalo ezintsha ukuze zivumelane nezidingo zomphakathi wayo.

I-Valyuz: isikhungo semali ye-elekthronikhi esigxile ebhizinisini

I-Valyuz, ebhalisiwe futhi elawulwa eLithuania, ingenye yezikhungo zemali ze-elekthronikhi eziqashelwa kakhulu emkhakheni wayo. Yenzelwe kakhulu amakhasimende azisa izinhlelo zokusebenza ezisheshayo nezilula ukuzisebenzisa futhi adinga ukuthengiselana ngezimali eziningi namazwe amaningi.

Izinzuzo zayo zifaka phakathi izinhlelo zokusebenza zeselula ze-iOS ne-Android , ukudluliselwa kwebhange ngezimali ezingu-35 emazweni angaphezu kuka-200, kanye nenketho yokuthola i-Mastercard ekhokhelwa kusengaphambili. Iphinde ivumele ukushintshaniswa kwemali ngamanani ancintisanayo futhi inikeza izinketho kubantu abaningi abasayine ku-akhawunti efanayo, isici esibalulekile samabhizinisi.

I-Valyuz iphinde igcizelele ubuchwepheshe bokungena ngemvume obuphephile kanye nensizakalo yamakhasimende ehlonishwa kakhulu, izinto ezimbili ezifaka isandla ekubonakaleni kwayo okuhle phakathi kwamabhizinisi asebenza emhlabeni wonke kanye nochwepheshe.

UMonzo: umdondoshiya wedijithali wase-UK

I-Monzo ingenye yamagama ahamba phambili ebhange ledijithali laseBrithani , enamakhasimende angaphezu kwezigidi eziyisikhombisa. Nakuba inendlunkulu yayo e-UK, i-Mastercard exhunywe kwi-akhawunti yayo ivumela abasebenzisi ukuthi bathenge noma kuphi lapho le ndlela yokukhokha yamukelwa khona, ngokuvamile ngaphandle kokufaka imali eyengeziwe yokuthengiselana kwamanye amazwe.

Uhlelo lwabo lokusebenza lukuvumela ukuthi usethe isabelomali, wenze ama-debit aqondile, uthole inzalo yokonga, futhi uhlele imali yakho ibe "amabhodwe" ahlukene. Lesi sakhiwo sikusiza ukuthi uphathe kangcono isabelomali sakho sanyanga zonke futhi wabe amanani athile emigomweni ethile.

I-Monzo iphinde yathandwa kakhulu ngesici esithuthukisa amaholo ngolunye usuku kusenesikhathi kulabo abafake imali yabo ebhange, isici esibaluleke kakhulu kulabo abadinga ukuba nemali yabo itholakale ngokushesha okukhulu.

I-Starling Bank: intandokazi yamabhange edijithali aseBrithani

I-Starling Bank, nayo evela e-UK, ithole isihloko esithi "intandokazi" ohlelweni lwebhange ledijithali . I-akhawunti yayo yomuntu siqu yanikezwa i-Best British Bank kanye ne-Best Current Account ngo-2019, kanti i-akhawunti yayo yebhizinisi nayo ithole imiklomelo.

Yasungulwa ngo-2014 yibhange u-Anne Boden, i-Starling ivame ukunconywa kakhulu ngabahlaziyi nochwepheshe , kokubili ngemodeli yayo yebhizinisi kanye nokugxila kwayo okuqinile kumakhasimende. Uhlelo lwayo lokusebenza lwaziwa ngokunikeza umbono ocacile wezindleko kanye nezici eziningi ezenzelwe ukusetshenziswa kwansuku zonke.

I-N26: Ubukhona be-Pan-European namalayisense agcwele

Ngaphezu kokusebenza kwayo eSpain, i-N26 iyibhange elinelayisensi ephelele eliseJalimane futhi ingenye yabadlali abaphambili emkhakheni wamabhange edijithali aseYurophu, enabasebenzisi abangaphezu kwezigidi eziyisishiyagalombili. Inikeza ama-akhawunti omuntu siqu nawebhizinisi angenazo izimali ezifihliwe kanye nomshuwalense wediphozithi ofinyelela ku-€100.000.

Isici sayo esithi "Izikhala" sokudala ama-akhawunti amancane athile sibe ngesinye sezilingiswa kakhulu embonini. Sivumela abasebenzisi ukuthi bazibekele imigomo yezezimali, bababele imali, futhi balandelele inqubekela phambili kalula, konke kusuka kuhlelo lokusebenza olufanayo.

Sawubona Bank: Ukubheja kwedijithali kwe-BNP Paribas

I-Hello Bank (evame ukwaziwa ngokuthi i-Hello Bank! noma i-Hola Bank kuye ngokuthi imakethe injani) iwuphawu lwebhange ledijithali le-BNP Paribas , olwasungulwa ngo-2013 ukuze lusebenze ngokuphelele ku-inthanethi. Luye lwaqashelwa ngekhono lalo lokuhlanganisa ubuchwepheshe bamuva kuhlelo lokusebenza oluhloselwe abantu abangenaso isikhathi.

I-akhawunti yabo yamanje eyisisekelo ayimahhala, kodwa nge-euro eyodwa kuphela ngenyanga ifaka phakathi ukubhenka ku-inthanethi kanye neselula, ukubhenka ngocingo, ikhadi lokudonswa kwemali, kanye nekhono lokusetha ama-standing order kanye nokudonswa kwemali ngqo. Baphinde banikeze izinsizakalo zokutshalwa kwezimali kanye nomshuwalense.

I-Hello Bank ikuvumela ukuthi uhwebe izibambiso, uthenge umshwalense, uvule ama-akhawunti okonga kanye nawokubheka , futhi ufinyelele amakhadi esikweletu e-Visa noma amakhadi akhokhelwa kusengaphambili. Ngakho-ke izibeka njengenye indlela eqinile yedijithali, esekelwa yiqembu elikhulu lamabhange aseYurophu.

Ukuhlubuka: I-neobank yaseSpain igxile kuGeneration Z

I-Rebellion iyibhange laseSpain eligxile kubasebenzisi abaneminyaka ephakathi kuka-16 no-25 ubudala . Nakuba isisekelo samakhasimende alo (abangabasebenzisi ababalelwa ku-280.000) sincane kuneseziqhwaga ezifana ne-Revolut noma i-N26, likwazile ukugqama ngobuchwepheshe balo ku-Generation Z.

Kwakuyibhange lokuqala eliphikisayo eSpain ukuthola ilayisense yasebhange nokunikeza ama-IBAN kumakhasimende alo, okwalivumela ukuthi lizihlukanise kusukela ekuqaleni. Kusukela ngaleso sikhathi, liye lasebenza ukuze lihlale lihamba phambili ngezici ezikhanga amakhasimende amancane.

Isibonelo esihle ukusetshenziswa kwe- "Location Intelligence" ye-Google Maps ukuze kusetshenziswe ngokugcwele ubuchwepheshe bendawo emabhizinisini. Lokhu kuvula umnyango wokuhlangenwe nakho okwenziwe ngokwezifiso kakhudlwana, izincomo zokusebenzisa imali, ukulawulwa kwesabelomali ngendawo, kanye nezindlela ezintsha zokuxhumana nendawo ebonakalayo ngaphakathi kohlelo lokusebenza.

Okufanele ukucabangele lapho ukhetha ibhange ledijithali

Uma ukhetha ibhange ledijithali noma i-neobank, kungcono ukubheka ngale kobuhle bohlelo lokusebenza noma isiphakamiso esikhethekile. Kunezici ezintathu ezibalulekile okufanele uzicabangele njalo: ukuphepha, izimali, kanye nokulula kokusebenzisa . Ngaphandle kwalokho, idumela, ukuvikelwa kwediphozithi, kanye nokusekelwa kwamakhasimende kuyasetshenziswa.

Ngokuphathelene nokuphepha , kubalulekile ukuqinisekisa ukuthi inhlangano inamalayisense nezimvume ezidingekayo zokusebenza ezweni ohlala kulo, nokuthi isebenzisa izinqubo zokungena eziqinile kanye nezindlela zokuthembela ezingezona ezethembekile : ukuqinisekiswa kwezinyathelo ezimbili, ukuqinisekiswa kobunikazi okuthembekile, ukubethela idatha, kanye nezinhlelo zokulwa nokukhwabanisa ezithuthukisiwe.

Ngokuphathelene nezimali nezindleko , enye yezinzuzo ezinkulu zebhange ledijithali ukuthi, ngezindleko eziphansi zokukhokha, zivame ukunikeza imali yokulungisa encishisiwe noma engekho nhlobo, amazinga okushintshanisa angcono, kanye namakhadi ashibhile okusetshenziswa kwamanye amazwe. Noma kunjalo, kuyalulekwa ukufunda umbhalo omncane: imikhawulo yokuhoxisa, izimali zokushintshanisa imali, izindleko zokudluliselwa okukhethekile, njll.

Ukusebenza kahle kuhlobene nebhange elifanela izidingo zakho. Ingabe linikeza ikhadi ledebithi lamazwe ngamazwe? Ingabe livumela ama-akhawunti omuntu siqu nawebhizinisi? Ingabe linohlelo lokusebenza olunembile noluzinzile? Ingabe linikeza izici ezifana nama-akhawunti angaphansi, isabelomali, imali ebuyisiwe, amathuluzi abantu abazimele, noma ukuhlanganiswa nesofthiwe yokubala? Ukukhetha ibhange ledijithali elifanela iphrofayela yakho kuzokwenza umehluko omkhulu empilweni yakho yansuku zonke.

Ngaphezu kwakho konke lokhu, kufanelekile ukucabangela idumela lebhange kanye namazinga okwaneliseka kwamakhasimende . Ukubuyekezwa kokubonisana, imiklomelo, noma imibiko ezimele kungakusiza ukuthi uthole umuzwa wokuthembeka kwalo. Futhi, uma kuyibhange elinelayisensi egcwele, qiniseka ukuthi amadiphozithi akho ambozwe uhlelo olufanele lwesiqinisekiso sediphozithi (e-United States, lena yi-FDIC; eYurophu, uhlelo lukazwelonke lwawo wonke amazwe).

Izibonelo zenzuzo nezimo emikhiqizweni yedijithali

Amabhange amaningi aku-inthanethi nezinkampani ze-fintech zigcwalisa ama-akhawunti azo ngamadiphozithi, amakhadi esikweletu, noma izimali zokutshalwa kwezimali . Le mikhiqizo ivame ukuza nezibonelo ezimele ezibonisa i-APR, izinga lenzalo elincane, izimali ezikhokhwayo, namabhonasi atholakalayo uma uhlangabezana nemibandela ethile.

Uma kwenzeka amadiphozithi athile esikhathi esinqunyiwe, i-Annual Equivalent Rate (AER) ingahluka kuye ngenani kanye nobude besikhathi . Isibonelo esijwayelekile kungaba idiphozithi yezinyanga ezi-4 ene-AER engaba ngu-2,7% uma kuhlangatshezwana nezidingo, njengokufaka ngqo umholo, impesheni, noma imali engenayo ethile ephindaphindayo evela ngaphandle kwebhange. Uma lezi zidingo zingahlangatshezwana, i-AER ingase yehle kakhulu, futhi ngisho nangaphezulu uma idiphozithi ivalwa kusenesikhathi.

Amadiphozithi esikhathi eside, njengemigomo yezinyanga ezingu-18 , nawo avamile, ngamanani enzalo yonyaka (i-TIN) acishe abe ngu-1,9% kanye nezinkokhelo zenzalo zekota. Le mikhiqizo ngokuvamile idinga amadiphozithi amancane (isibonelo, €5.000) kanye namadiphozithi aphezulu (njenge-€250.000) futhi angaxhunyaniswa nokuvula i-akhawunti yokonga yamahhala lapho inzalo ikhokhwe khona.

Amakhadi esikweletu edijithali ngokuvamile anama -APR aphezulu (Amanani Amaphesenti Onyaka) acishe abe ngu-23% kanye namazinga enzalo ajwayelekile (i-NIR) acishe abe ngu-21% , kodwa avame ukunikeza izimali zokuqala ezincishisiwe noma ezingezona nhlobo zokuthenga kokuqala okwenziwe ezinhlelweni zokufaka izitolimende. Izibonelo ezimele zibonisa ukuthi ukuthenga okungu-€750 ezinyangeni ezi-3 kungaba kanjani ne-0% NIR kanye ne-0% APR uma imali yokuqala ingu-zero, kuyilapho ngemali engu-€3 noma €20 kanye nemigomo yezinyanga ezi-3 noma ezi-6, i-APR esebenzayo iyanda yize kungekho nzalo emsulwa.

Amanye amabhange anikeza amabhonasi emali eqondile , njenge-€40 noma i-€500 (isamba esiphelele), uma ikhasimende lihlangabezana nezidingo zokusebenzisa imali encane ngekhadi noma libeka idiphozithi eqondile yomholo walo isikhathi esithile. Kubalulekile ukuqaphela ukuthi la mabhonasi abhekwa njengemali engenayo yokutshalwa kwezimali engaphansi kwentela yengeniso, ngokuvamile enentela ebanjwayo engu-19% ezenzakalelayo yibhange.

Ngokuphathelene nokutshalwa kwezimali kwezimali, amabhange amaningi edijithali anikeza ukufinyelela emikhiqizweni ephethwe ngokusebenzayo noma ngokunganaki , enikeza imininingwane yokulawula kumadokhumenti afana ne-prospectus noma i-Investment Information Document (IID). Isikhwama semali somhlaba wonke, isibonelo, kungenzeka ukuthi sithole imbuyiselo ephezulu kakhulu ngonyaka odlule (ngaphezu kwenkomba yokulinganisa), kodwa ngezindleko zokuguquguquka okukhulu kanye nezindleko eziqhubekayo ezingaba ngu-1,3% ngonyaka.

Lolu hlobo lwesikhwama luvame ukunconywa kubatshalizimali abanomthwalo omkhulu wokubekezelela ingozi kanye nomkhawulo wokutshalwa kwezimali wesikhathi eside , abaqondayo ukuthi ukusebenza kwangaphambilini akusona isiqinisekiso semiphumela yesikhathi esizayo futhi abafuna ukufuna i-alpha maqondana nenkomba yomhlaba wonke. Ngaphambi kokwenza noma yiziphi izinqumo, kungcono ukuhlaziya irekhodi leminyaka engu-3-5, ukuhlushwa kwephothifoliyo, izibambiso eziyinhloko lapho itshala khona imali, kanye nephutha lokulandelela maqondana nesilinganiso.

Ukuziphatha kwazo zonke lezi zibonelo kucacile: kubalulekile ukufunda ngokucophelela imigomo nemibandela yomkhiqizo ngamunye we-fintech , ukuqonda umehluko phakathi kwesilinganiso senzalo esijwayelekile (i-TIN) kanye nesilinganiso samaphesenti sonyaka (i-APR), futhi ucabangele izimali, izinhlawulo zokuqeda kusenesikhathi, kanye nemiphumela yentela yanoma yimaphi amabhonasi. Ukulula kokufaka isicelo okunikezwa yibhange eliku-inthanethi akufanele kuholele ekunganakwa kwale mininingwane.

Konke okungenhla kusiza ukuchaza ukuthi kungani imboni yamabhange yenze ushintsho olungenakuguqulwa oluya ekusetshenzisweni kwedijithali . Izinketho zamabhange aku-inthanethi kanye ne-fintech ziyanda, amakhasimende asabela ngokukhula okukhulu kwabasebenzisi, futhi amabhange endabuko aphoqeleka ukuthi asungule izinto ezintsha. Ngesikhathi esifanayo, kuvela iminikelo ekhethekile kakhulu kubantu abazulazulayo bedijithali, intsha, ama-SME, kanye namaqembu avinjelwe ngokwesiko, okwandisa ezinye izindlela ezitholakalayo kuhlobo ngalunye lomsebenzisi. Kulesi simo, ukuba nolwazi oluhle, ukuqhathanisa, nokukhetha isikhungo esifanelana kahle nezidingo zakho kubalulekile ekusebenziseni ngokugcwele inguquko ye-fintech ebhange eliku-inthanethi.