I-Stripe, eyenza amabhizinisi abo bonke osayizi bakwazi ukwamukela izinkokhelo zekhadi lesikweletu, muva nje kuthiwa acubungula izinkokhelo ezengeza iphesenti elingu-1 le-GDP yomhlaba.
Lokhu kungase kudukise kancane, njengoba i-1 trillion ye-Payments Stripe ecutshungulwe ngo-2023 ingafaka imilenze eminingi emisebenzini ehlobene. Kodwa, iphuzu elithathiwe: I-Stripe inkulu.
Iphinde ikhule ngokushesha futhi ngemuva kokwehla kwezinga le-fintech ngemuva kwenani eliphakeme lango-2021, lapho amanani enzalo ayephansi ngaso sonke isikhathi. Leso sibalo esingu- $ 1 trillion simele ukukhula kwamaphesenti angama-25 unyaka nonyaka, kusho inkampani.
Lokhu kukhula kubonakale ekulinganisweni kwayo. I-Stripe ihlale iyimfihlo isikhathi eside, iqhubeka iminyaka engu-14 manje, okuyinto engavamile enkampanini yezobuchwepheshe yobukhulu bayo. Ithole isilinganiso esimangalisayo sesikhathi sebhamuza esingamaRandi ayizigidi eziyizinkulungwane ezingama-95, kodwa isidingo esilandelayo soxhaso sasidinga ukuthi izibandakanye ekunciphiseni okungaphezu kwengxenye yokulinganisa kwayo, kuya ku-$50 wezigidigidi.
Umjikelezo wakamuva woxhaso, nokho, oklanyelwe ukuvikela imali yokunxephezela abasebenzi bayo (abangayitholi imali ye-IPO, okungenani okwamanje), ukhuphule inani lenkampani libuyele ku-$65 billion.
Lokhu kuyaphawuleka uma kubhekwa inani lama-fintechs nezinye iziqalo eziye zabhebhetheka, noma zaba nokuncishiswa kwenani elibi: U-Klarna, iphayona laseSweden elithenga manje, elikhokha kamuva, libone ukwehla kwenani lalo lisuka ku-$45.6 billion laya ku-$6.7 billion ngo-2022. U-Klarna manje use ibheke ukuphumela obala e-US ngokuhamba kwesikhathi kulo nyaka, kuhloswe ngayo ukulinganisa kwezigidigidi ezingama-20 zamarandi.
Abasunguli be-Stripe babonakala bezimisele ukubuyela kumazinga abo okulinganisa aphezulu ngaphambi kokuzama i-IPO. Mhlawumbe bangakwazi.
I-equation yase-Asia
Umbuzo wethu e-Asia ngowokuthi leyo mpumelelo izophumula kangakanani ekusebenzeni e-Asia. Inkampani ayikukhiqizi izichasiso zesifunda emalini engenayo.
I-DigFin kusele ukuthi kucabange ukuthi i-Asia iyingxenye encane, ngokuhambisana namanye amabhizinisi e-fintech omhlaba. Lokhu kungase kube okungalungile, kodwa i-Stripe inamabhizinisi e-US angekho e-Asia Pacific, ikakhulukazi ukubhenka njengesevisi kanye nekhredithi (yize njengamabhizinisi abolekisayo, angase angaveli kumanani okukhokha enkampani).
Okubaluleke nakakhulu, i-Asia iyiqembu elihlukene lezimakethe ezihlukene. Lokhu kwenza isikali sibe yiqili elincane, futhi i-Stripe imayelana nesikali.
UPaul Harapin, umqondisi ophethe ezinze eSingapore, uthe, “I-Asia Pacific yenza amaphesenti angama-40 e-GDP yomhlaba. Angikwazi ukwabelana ngezinombolo zethu, kodwa likhona ithuba kulokho.”
Igama elithi 'ithuba' lisho umsebenzi wesikhathi esizayo kunebhizinisi lamanje.
Sekushiwo lokho, u-Harapin uphawula ukuthi amazwe amaningi ase-Asia angaphambi kweNtshonalanga noma ezinye izimakethe ezisafufusa uma kuziwa ekwenzeni izinkokhelo zedijithali. "Lokhu akulona iqiniso eSingapore noma e-Australia kuphela, kodwa ezimakethe ezinkulu ezisafufusa ezinabantu abaningi abangenawo amabhange."
U-Harapin uthi yonke imikhiqizo ye-Stripe iyatholakala ezimakethe zase-Asia lapho isebenza khona, ngaphandle kwezinsiza zayo ezinkulu kanye nezimali.
Lokho kushiya uhlu olude lwezindawo lapho u-Stripe esebenza khona e-Asia: izinkokhelo zomuntu ngamunye, izinkokhelo zezinkampani eziningi, izinkokhelo ezisekelwe endaweni, izinsizakalo zokuphuma, ukusiza amabhizinisi ukuthi anikeze izixhumanisi zokukhokha ezisekelwe ku-API kumakhasimende abo, ukutholwa kokukhwabanisa, ukukhokha, ama-invoyisi, izinkokhelo zetheminali mathupha, kanye nokukhishwa kwekhadi lebhizinisi.
Ibe isihlinzeka ngamasevisi angezwe inani phezulu. Isibonelo, ilawula inkundla yabathengisi bezimoto bakwaToyota e-Japan ukuze ibasize bathole izingxenye kanye nemishini, u-Stripe ophethe ezezimali kanye nezinkokhelo ngemuva kwendawo yesigameko.
Amasevisi amasha esikweletu
Izinselelo ezimayelana nokubolekwa kwemali kanye neminikelo yengcebo ijwayelekile e-Asia Pacific: lena yimisebenzi edinga ilayisense yezezimali, okusho izindleko eziningi nobunzima. Inkampani ye-fintech kufanele ibhekane nokuhambisana nokulawulwa kobungozi. Imizamo enjalo ibaluleke kakhulu emakethe enkulu njenge-US.
UHarapin uthi inkampani isebenzela ukuletha lezi zinsizakalo kwezinye izimakethe zase-Asia. Ukuze isebenze, inkampani izoncika kusayizi wayo ophelele. Noma ngabe ikuphi ukunemba kwaleso simangalo "sephesenti elingu-1 le-GDP yomhlaba", u-Stripe ucubungula inani elikhulu lemisebenzi yabaqalayo, izinkundla zobuchwepheshe zomhlaba wonke, namabhizinisi endabuko. Isebenzisa ulwazi eluthola kulo msebenzi ukuze luzenzekele futhi lusebenze kahle ngangokunokwenzeka. Inokuqonda ukuthi amabhange amakhulu kuphela, iningi lomhlaba angaqhudelana nawo.
Uma ingasebenzisa isitaki sayo kanye ne-heft yayo, ingakala amabhizinisi anelayisensi kuzo zonke izimakethe ezihlukene. "Amakhasimende asisebenzisela ukusekela ukuhwebelana komhlaba wonke, okusho ukuthi ngokuzenzakalela iningi lawo lisebenza e-Asia."
Imvelo ehlukene yase-Asia ingase futhi inikeze u-Stripe okwengeziwe ukwenza uma kuqhathaniswa nezimakethe zaseNtshonalanga. Isibonelo, ukuphepha ku-inthanethi kuyinselelo enkulu. "Isifunda se-APAC sinezigebengu eziningi ezihlakaniphile," kusho uHarapin. Injini yokutholwa kokukhwabanisa esekelwe emshinini ka-Stripe ingase ibe ngcono ekuboneni okwenziwayo kunebhange elikhulu kodwa lasekhaya noma lesifunda. Isibonelo, ibhange elinjalo lingase lingaboni elinye lamakhasimende alo ngokushesha lisebenzisa ikhadi lesikweletu emazweni amaningi.
Kunezinye izizathu zokuthi kungani i-Asia izoba nkulu embusweni we-Stripe. I-China iyizwe elikhulu kunawo wonke eliwela imingcele emhlabeni, ngenxa yenethiwekhi yayo enkulu yohwebo nokuhlinzeka, kanye nezikhondlakhondla zayo zomhlaba wonke ze-e-commerce ezifana noShein noTemu.
Lawa mathuba emali engenayo asebenza uma ubukhulu benkampani bunqoba izindleko nobunkimbinkimbi bazo zonke izimakethe zasendaweni. Ukubaluleka kweqiniso kwe-Asia ku-Stripe cishe ngeke kwaziwe kuze kube yilapho inkampani ngolunye usuku inquma ukuphumela obala. Kodwa inkomba eyodwa kuzoba izinga esilungele ngalo ukuletha i-BaaS yayo kanye neminikelo yezikweletu esifundeni.
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- I-PlatoHealth. I-Biotech kanye ne-Clinical Trials Intelligence. Finyelela Lapha.
- Source: https://www.digfingroup.com/stripe-asia-2/
