Namuhla sihlangana noJeremy Baber, oyi-CEO yomhlinzeki wamakhadi okukhokha I-Lanistar.
Ungubani futhi isiphi isizinda sakho?
Igama lami ngu UJeremy Baber futhi ngiyi-CEO yomhlinzeki wekhadi lokukhokha I-Lanistar.
Iminyaka yami engu-30+ yolwazi lwamazwe ngamazwe ingihlomise ukuvala igebe phakathi kwemishini kanye nezinqubo zebhizinisi zansuku zonke, ukuhumusha imigomo ibe yisenzo. Ngomlando ofakazelwe kanye nokuzibophezela okungantengantengi ekusebenzeni okuhle kakhulu, ngijabule ukuqondisa i-Lanistar iye ezindaweni ezintsha kumkhakha we-fintech.
Njenge-Lean Six Sigma Master Black Belt eqinisekisiwe, ngihole uguquko lwebhizinisi lonke, okuholele ekwehlisweni kwezindleko ezinkulu kanye nokuthuthukiswa kokukhiqiza kwezokuSebenza, Izikhungo Zokuxhumana, Izinsizakalo Zezezimali kanye Nokukhiqiza. Ngokubambisana nokuqonda okuphelele kokuthotshelwa kwemithetho ye-FCA, PRA kanye ne-GC, ngiyakwazi ukuhlangabezana nokubhekana nanoma yiziphi izinselele ezisalindile, kuyilapho ngigcina izinga eliphezulu kakhulu lokulethwa kwezinsizakalo.
Njengoba nginentshisekelo ngabantu njengoba nginenqubekela phambili, ngizibophezele ekukhuliseni isizukulwane esilandelayo sethalente emkhakheni wethu. Ngikholelwa ekwakhiweni kwamaqembu adlala kahle futhi ngiqondise ukuthuthukiswa kwawo kochwepheshe ukuze kuhlakulele abaholi bakusasa.
Sithini isihloko sakho somsebenzi futhi yiziphi izibopho zakho jikelele?
NjengoMphathi Omkhulu we-Lanistar, nginomthwalo wemfanelo wokusebenza kwansuku zonke kwebhizinisi, okuhlanganisa ukuhlela nokuqaliswa kokwethulwa kwe-LATAM yethu.
Ungakwazi ukusinika umbono webhizinisi lakho?
I-Lanistar ingumhlinzeki wekhadi lokukhokha okwamanje esebenza e-Brazil, enezinhlelo zokunwebeka kuyo yonke i-LATAM, UK nezinye izimakethe zomhlaba ezibalulekile. Ngohlelo lokusebenza lwe-Lanistar, sinikeza amakhasimende ethu ukufinyelela kuyo yonke imikhiqizo yawo yezezimali endaweni eyodwa. Ngezinhlobonhlobo zemiklamo yamakhadi abonakalayo, senza ukulawula imali yakho kube lula.
Sitshele ukuthi uxhaswa kanjani?
U-Lanistar uzixhase ngemali ngumsunguli, Gurhan Kiziloz
Ithini indaba yomsuka? Kungani uqale inkampani? Ukuxazulula ziphi izinkinga?
Ubuchwepheshe bomsunguli wethu u-Gurhan bulele ekukhangiseni. Ubone igebe emakethe ephakela i-Gen Z kanye neMillenials, abavame ukuzithola bengasikekelwe amabhange emigwaqo ephakeme. Isixazululo sekhadi lokukhokha lika-Lanistar sadalelwa ukuvala lesi sikhala, sinikeze amakhasimende inkululeko yokubhanga ku-inthanethi ekuhambeni.
Obani amakhasimende akho owaqondisayo? Ithini imodeli yakho yemali engenayo?
Amakhasimende ethu esiwaqondise yiGen-Z kanye neMillennials (iminyaka eyi-18 - iminyaka engama-35).
Uma ubunenduku yomlingo, iyiphi into eyodwa obungayishintsha emkhakheni wamabhange kanye/noma we-FinTech?
Ngingathanda ukubona ukumelwa okukhulu kwethalente nobuholi besifazane endaweni ye-fintech. Sekuya ngokuya kucaca ukuthi igebe lobulili be-fintech lidinga ukuvalwa ukuze imboni ifinyelele amandla ayo aphelele. Izinhlangano kumele zizibambele mathupha ukuze zithole ukuthi kungani abasebenzi bazo begcwele abantu besilisa nokuthi yini engashintshwa emabhizinisini azo ukuze abandakanyeke kakhudlwana futhi ahehe abesifazane.
Akukhona nje kuphela ukuthi abasebenzi bayashoda ngabesifazane kodwa nethimba labaholi abaphezulu, eliboniswe ku- Ucwaningo lweCambridge, ethole kuphela ama-CEO angu-4% kube abesifazane kanye namalungu angu-18% ekomidi eliphezulu.
Uthini umlayezo wakho kubadlali abakhulu endaweni yemakethe Yezinsizakalo Zezezimali?
Ukuziba umthelela namandla e-Gen Z kanye neMillenials emkhakheni wezinsizakalo zezezimali kungaba ukuqapha. Amandla namandla okuthenga ezizukulwane ezincane amele ikusasa lezezimali zabathengi okungenani iminyaka engama-50 ezayo.
Uzitholaphi izindaba zakho zezezimali zeFinancial Services/FinTech?
I-LinkedIn ingumthombo wami engiya kuwo wezindaba ze-fintech, ukunyakaza kwezimboni kanye nezifundo zezindaba. Sekukonke, i-UK iyikhaya lesikhala semidiya se-fintech esihle kakhulu - ngakho angilokothi ngiphume olwazini uma kukhulunywa ngezinto zonke ze-fintech. Ukuhlala unolwazi, kabanzi, ngezindaba zamanje kanye nezindaba ngaphakathi kwendawo yokulawula kubalulekile ekulungiseleleni imithetho emisha nokuhambisana.
Yiziphi izinsiza ze-FinTech (kanye/noma izinhlelo zokusebenza) ozisebenzisayo mathupha?
Ngisebenzisa izinhlobonhlobo zezinhlelo zokusebenza ze-fintech kusukela kumasevisi ebhange nawomshwalense kuya kumaphuzu esikweletu nokuphathwa kwe-cryptocurrency. Ngisebenzisa konke lokhu kusuka ku-smartphone yami, esheshayo, elula, futhi ngokubona kwami, ephephile.
Imuphi umkhiqizo noma isevisi entsha ye-FinTech osanda kuyibona?
Sibstar yasungulwa ngu Jayne Sibley owavela ku-Dragon's Den futhi wathola u-£125,000 usuwonke wokutshalwa kwezimali kubo bobabili u-Sara Davies no-Deborah Meaden, uyisibonelo esisodwa sentuthuko enhle kubuchwepheshe bamabhange obuhlanganisayo.
Ukwenza intuthuko engathi sína ekuthuthukiseni ukubhange kumaqembu omphakathi anganakekelwa kahle, i-Sibstar isekela labo abathintwe ukuwohloka komqondo, okuhlanganisa nekhadi ledebithi elilayishwe kusengaphambili kanye nohlelo lokusebenza, lapho izimali nokuphuma kwemali kungabiwa khona, kwenganyelwe futhi kulawulwe. Zihlole ku https://www.sibstar.co.uk.
Ekugcineni, ake sikhulume ngezibikezelo. Yimaphi amathrendi ocabanga ukuthi azowachaza eminyakeni embalwa ezayo emkhakheni we-FinTech?
AI
Ukuthuthukiswa kwe-AI kuzoba nomthelela omkhulu embonini yonkana ye-fintech, kukhuphule ulwazi lwamakhasimende kanye nokuphepha kwedatha, kusize umkhakha ukhule. Kuningi okwenziwe ngamakhono namandla angenamkhawulo wobuhlakani bokwenziwa. Ukusuka ekusongeleni imisebenzi yethu kuye ezixazululweni ezintsha ezinamandla - i-AI ibumba kabusha yonke imikhakha. Kodwa-ke, imithetho ehlongozwayo ye-AI ehlelelwe lo nyaka isimi ngomumo ukuthi iphinde iphazamise imboni yezinkokhelo.
I-AI ngokungangabazeki ithuthukisa ulwazi lwamakhasimende, futhi noma yimuphi umthetho ohlongozwayo kuzodingeka ugcinwe, kunokuba kulimaze isevisi eyinikeza amakhasimende. Ukuthuthukiswa kwe-AI kuthuthukisa izinqubo zokugunyazwa kwekhredithi kanye nezicelo ukuze kwenziwe lula uhambo lwamakhasimende. Nakulokhu futhi, kubalulekile ukuthi umthethonqubo ungabi ne-bureaucratic ngokweqile noma usebenze njengesithiyo ku-fintech's ukuxoxisana. Esikhundleni salokho, umthetho kufanele uqinise ukwethembana phakathi kwamabhizinisi nabasebenzisi ngesikhathi esifanayo uvumela amandla e-AI ukuthi aqhubeke nokuthuthukisa ulwazi lwamakhasimende.
I-BoT
I-Banking of Things (BoT) izofinyeleleka kalula futhi ikhule embonini ye-fintech eminyakeni embalwa ezayo. Ngokuthuthukiswa kwe-cloud computing, ukwamukelwa okubanzi kobuchwepheshe beselula, ukwenziwa kwezinkokhelo kudijithali kanye nenani elikhulayo lamadivayisi ahlakaniphile abathengi abakwazi ukuwafinyelela.
Lo mkhuba osafufusa unamandla okwenza uhla lwamathuba kubathengi namabhange ngokufanayo. Ngo-2024, ukuze i-fintech izuze ku-BoT, abakhiqizi bemishini nabathuthukisi bezobuchwepheshe abaholayo kufanele basebenzisane ukuze bafane futhi bathuthukise izinqubo ze-IoT ukuze kuvuleke indlela ye-BoT. Ukwenyuka kwamandla emali nokuntengantenga komnotho ngo-2023 kuphoqe ama-fintechs ukuthi athuthukise ukugxila kwamakhasimende kanye nokuqamba izinto ezintsha ngenkathi kubeka phambili ukusebenza kahle kwezindleko kanye nenzuzo ngaphezu kokukhula ngokushesha.
Ukusimama
Ngonyaka odlule, i-fintech ikhombise ukuthi ibambe iqhaza eliphambili ezinhlelweni zokusimama zokubhekana nenkinga yesimo sezulu, kodwa kubalulekile ukuthi iphinde ihole ngesibonelo ekubhekaneni nezinkinga zayo zekhabhoni.
Imboni ye-fintech kumele yamukele ukubaluleka kokusimama futhi iqhubeke nokugwema ukuwashwa okuluhlaza. Eminyakeni embalwa ezayo, ohulumeni kufanele basekele ukuthuthukiswa kwe-fintech ukuze bavumele ukugudluka ezinsizakalweni zefa (ezisinda kakhulu) futhi bakhuthaze imboni ukuthi isekele amabhizinisi aluhlaza ngezimali mboleko/ngezikweletu ezinamanani akhethekile nezinye izikhuthazo. Ngosizo lukahulumeni, i-fintech ingathatha igxathu eliya endleleni efanele mayelana nezinqubo ezizinzile.
- I-SEO Powered Content & PR Distribution. Khuliswa Namuhla.
- I-PlatoData.Network Vertical Generative Ai. Zinike Amandla. Finyelela Lapha.
- I-PlatoAiStream. I-Web3 Intelligence. Ulwazi Lukhulisiwe. Finyelela Lapha.
- I-PlatoESG. Ikhabhoni, I-CleanTech, Amandla, Environment, Ilanga, Ukuphathwa Kwemfucuza. Finyelela Lapha.
- I-PlatoHealth. I-Biotech kanye ne-Clinical Trials Intelligence. Finyelela Lapha.
- Source: https://fintechprofile.com/2024/04/26/jeremy-baber-ceo-of-lanistar/
