Gukusanya amafaranga muri rusange biragoye. Fintech numwe mubibanza birushanwe hanze aha. Buri mwaka, abashoramari ku giti cyabo bumva ibibuga amagana, kandi benshi ntaho bajya - munsi yijana kwijana ryabatangiye kubona inkunga shoramari. Niba ikibuga cyawe kidashimishije abashoramari mumasegonda 60 yambere, urasohoka. Abashinze benshi batekereza ko igitekerezo cyabo cyonyine kigiye kubagenzura. Bamwe barayishyizeho imisumari. Abenshi ntibabikoze. Itandukaniro? Ubucuruzi bwatsinze bwibanze ku nkuru isobanutse, ifite isoko ryemewe, kandi irashobora kwerekana uburyo bwo kwinjiza byibuze, byumvikana. Noneho, muriyi ngingo, ndasenya ibibazo nyabyo byintangiriro yihuta kubakiriya berekana kumunsi wa demo hamwe na TechCrunch yuruhererekane rwa kwerekana icyakora, ibitagenda, nimpamvu bamwe batangiye fintech bagenda hamwe na miriyoni, mugihe abandi basubira murugo ntacyo. Ikibanza cya Teardown Hagati aho, nzasenya ibyumba byihariye bya fintech kandi ndashobora kubikora hamwe nuwawe niba ubishaka . uyitange kandi umbwire inkuru yawe Niki gitandukanya gutsindira ibibuga bya Fintech nibindi? Ibitekerezo bibona inkunga gusa iyo bishyizwe mubikorwa. Abashinze Fintech basobanura ibyo bubaka baterekanye impamvu ari ngombwa, ushaka kwishyura, nuburyo bazabona amafaranga ntibazabona. Noneho, reka tunyure mubibazo bimwe na bimwe bijyanye na fintech yatangije yabibonye neza. Icyiciro cy'Ishyaka - $ 7M Yabanjirije Imbuto Ibice icumi. Amagambo 148. Nta fluff, nta wuzuza. Ikibanza cyogosha cyogosha cyacumuye urusaku maze kibona Party Round miliyoni 7 zamadorari yo gutera inkunga imbuto. Ibanga? Igihe, gisobanutse, nibicuruzwa byapfuye abashoramari badashobora kwirengagiza. Ubwa mbere, bateye imisumari yo kuvuga inkuru. Ishyaka Round ryari rizi ko abashinze benshi barohamye amagorofa yabo murukuta rutuzuye. Igorofa yabo yari ikomeye nkurubuga rwa Twitter. Ibicuruzwa ubwabyo byari byiza cyane. Gukusanya inkunga ni akajagari kandi gahoro. Akenshi biterwa nuwo uzi. Ishyaka Round ryahinduye iyo nkuru muguhuza ishoramari ryabamarayika muburyo bworoshye, kanda-kandi-byakozwe nta na kimwe kibabaza umutwe byemewe n'amategeko. Ikidodo cyamasezerano niyo mpamvu ubu ibintu. Isi yatangije ishingiye ku ishoramari rya demokarasi: Robinhood yatumye imigabane ishimisha, Coinbase ikora crypto nyamukuru, kandi Ishyaka Round ryerekanye uruhare rwabo nkintambwe ikurikiraho yerekana uburyo abitangira bazaterwa inkunga. Igihe kimwe, abarinzi b'ishuri rya kera-bashoramari bashora imari baratakaje; Ishyaka Round ryashizeho gusa uko bizagenda. Icyo igorofa ibuze nuburyo ibicuruzwa bizajya byinjizwa. Ariko ibi bisa nkibihagije kubashoramari-niba icyerekezo gikomeye kandi kigashyirwa mubikorwa birasobanutse, abashoramari bo hambere bakunda guhitamo ko aya makuru azakora neza. Kwamamaza Isesengura - $ 200K Urubuto Kurenga kugendagenda hejuru ya AI, Marketing Analytic yerekana ko tekinoroji yabo yinjiza amafaranga. Aho kugira ngo abantu benshi bavuga ko bahungabanya imari, bagaragaje iterambere rigaragara mu kintu kibangamira imari - ibikoresho byo kwamamaza. Uburambe bwabashinze ubunararibonye bwabo bwakoze itandukaniro. Bamaze imyaka myinshi baba muri Fortune 100, biga neza ibitekerezo byubucuruzi. Ubwo bumenyi bwimbere butera icyizere abashoramari ko gutangira bishobora gutsindira imishinga, cyane cyane mubikorwa bigenda buhoro nkimari. Nanone, basobanuye mu buryo burambuye uburyo igisubizo cyabo cyahuza urusobe rw'ibinyabuzima biriho bavuga ubufatanye bumaze kubona umutekano. Isesengura rya Analytic ryasobanukiwe nibyo abakiriya babo bafite - bakeneye gutandukanya neza no gufatanya amakuru neza bashimangira kubahiriza no kubyemera byoroshye. Kwibanda kubibazo nyabyo byatumye bakwega hakiri kare. Mubyukuri, abashoramari bagomba kubona gihamya - mugihe cyambere, birashobora kuba amafaranga yinjiza (niba ufite amahirwe), LOI, gahunda yicyitegererezo, nibindi. Kwihangana Umubumbe - $ 2M Urubuto Mugihe cyo gutera inkunga, Umubumbe uhoraho ntiwagendanaga nikirere gisanzwe cyikirere. Ni iki cyatandukanije? Babanje kumenyesha ingano yikinyuranyo cyinkunga nkikibazo, ntabwo ari uburyo bwo kudakora neza. Gahunda gakondo yo gutera inkunga ntishobora kugerwaho, itinda cyane, cyangwa ihenze cyane kubantu benshi batangiye ikirere kugirango babashe kuzamuka. Byatumye bumva ko byihutirwa kuba umushoramari. Inzego zose z’ikirere zirahagarara niba igishoro kidahinduka vuba. Noneho bagize masterstroke: bahagararire icyitegererezo cyinkunga yabo nkibikoresho byabuze, kandi ntabwo arubundi buryo. Bitandukanye na VC, inkunga yabo ishingiye kumafaranga ntabwo igabanya abayishinze. Bitandukanye n'inkunga, birihuta. Bitandukanye n'inguzanyo za banki, birashoboka. Ntabwo "byari byiza," ahubwo "ibi nibyo isoko igomba gukora." Kwihangana Umubumbe wagize inshuti za VCs, ntabwo ari abanywanyi ba startups. Abashoramari ntibashyigikiye gusa gutangira fintech; baguraga muri moteri yubucuruzi nziza. Couplr AI - $ 250K Urubuto Hamwe na Couplr AI, abashoramari ntibaguye kubwimpuha zerekeye AI. Bagurishijwe ku gitekerezo gishobora gukemura ikibazo kinini, gihenze. Guhuza amakuru ya Couplr AI bigabanya igiciro cyo gutwika amadolari arenga 3000 kugirango ibigo gakondo bigure umukiriya umwe, bigatuma bakora moteri yinjiza. Uburyo bwabo bwari butandukanye rwose nuko bahisemo kubona ibisubizo nyabyo - amafaranga make yo kugura, kugumana neza abajyanama babo, hamwe na sisitemu ishobora gupima. Ubutumwa bwavugaga ko ubu atari uburyo bunoze bwo guhuza abakiriya n'abajyanama ahubwo ni impinduka zifatika zerekana uburyo serivisi zimari zikura. Icyizere cyari ikindi kintu cy'ingenzi. Yabafashaga guhuza na American College of Financial Services no gufunga ubufatanye hakiri kare, bibaha kwizerwa ako kanya. Abashoramari ntibashaka kubireka kubwamahirwe ubwayo. Batsinze amakipe, kandi urutonde rwa Couplr AI rwabahoze muri fintech, abahanga mu myitwarire, naba injeniyeri b'inararibonye bakoze kugurisha byoroshye. Couplr AI yihagararaho nkigihe kizaza cyinama yubujyanama bwimari, ubuyobozi bwimari bwihariye kubintu byose bitigeze bishoboka. Sheki itangira kuzunguruka mugihe itangira ryerekana aho riri gusa ahubwo aho inganda zigana kandi byumvikane neza ariko byanze bikunze. Ikarita Blanch - $ 460K Imbere yimbuto Nigute ushobora guhuza amakarita yawe yose, kubikuza, hamwe namakarita yubudahemuka muri imwe? Ibi bintu bitatu ntabwo bigikora kumurongo wose, ariko Card Blanch yari ifite ibisobanuro, igishushanyo, ninkuru ikomeye. Icyambere, bafite ubushobozi bwisoko. Umubare wagaragaye kandi munini; muri Amerika honyine, amakarita ari hose, kandi abaguzi bayatwara yose kubwimpamvu - kuko buriwese afite ibye. Kubera iyo mpamvu, itsinda ryikubye kabiri kubitandukanya. Nyuma haje kuvuga inkuru. Ikarita Blanch "uko ikora" yari igishushanyo mbonera cyoroshye. Inkuru yose yukuntu abakoresha bashobora gukoresha inyungu zamakarita yabo yanditse kuri mockups enye. Nta bisobanuro birebire! Urwo rwari urugendo rugaragara gusa abashoramari bashoboraga guhura nabyo. Ibi byabahaye kumva ako kanya uburyo ibicuruzwa bihura mubuzima bwa buri munsi. Indi ngingo nkuru yari icyifuzo. Benshi mubatangiye batera akajagari kuriyi slide, bigatuma idasobanuka cyane cyangwa irarikira cyane. Kuringaniza isoko ugamije nibyo Card Blanch yakoze. Basobanuye neza ibyo bareze hamwe ninshi. Byari bikarishye, byihariye, kandi bigendana nigihe ariko biracyakomeye kandi byubatswe. Ibyo ntibisanzwe. Inshingano Yatanzwe - $ 1.55M Uruziga rw'imbuto (rw'intego ya $ 2M) Aho gusebanya, MissionGranted yataye umwanya yerekana ko ishobora gukemura ikibazo nyacyo cyatwaye ibigo amafaranga menshi. Gutanga imicungire yimari yubukungu ninzozi mbi, kandi bagaragarije abashoramari uburyo automatike yabo ishobora kubigira inzira itababaza. Aho gutanga amasezerano ya AI atigera asohora, bari bafite ibitekerezo byukuri byabakiriya kugirango bashyigikire iki kibuga, kabone niyo cyaba cyatanzwe nuwashinze umuryango udaharanira inyungu. Kubona cheque yanditse byose bijyanye no kwemeza isoko nkiyi! Icyamfashe ni ugukurura. Muri 2025, abashoramari ntibazashora mubitekerezo byawe, bazashora mubyo winjiza. MissionGranted ifite ubufatanye nimiryango ikora zimwe mu nkunga nini muri Amerika. Abashoramari bifuza kubona ibimenyetso nkibi abakiriya badashaka gusa, bafite ubushake bwo kwishyura. Abashoramari ntibasubiza ibicuruzwa ahubwo abantu bumva neza inganda zabo. Ubuyobozi bwa MissionGranted bwerekanye ubuhanga bwabo binyuze mumikorere itunganijwe ikemura ibibazo byubahiriza umutwe. Amafaranga yo gukusanya inkunga arakomeje, ariko nzi neza ko bazagera ku ntego ya mbere ya miliyoni 2 z'amadolari vuba aha - bahinduye ikiganiro cy'inkunga mu byukuri, ntabwo ari urusimbi. Impamvu Ukwiye Kwitabira Iminsi Yerekana Niba ushaka kwiga kuyitera imisumari hamwe nabashoramari bawe, ukeneye imyitozo. Kubatangiye-fintech bashinze, uziga kwitabira cyane iminsi ya demo. Ngaho urashobora kubona ibitekerezo nyabyo, gukora amahuza, kandi cyane cyane, kuzana intangiriro yawe kubantu bashobora kuyitera inkunga. Nubatse isosiyete ifasha abashinze fintech kuzamura uruziga mwisi yo gukusanya inkunga. Njye kubwanjye ndihatira gufasha abatangiye kubona inkunga bakeneye kugirango bakure muburyo ubwo aribwo bwose, baba bafite uruhare mukwihutisha cyangwa kutabikora. Kimwe muri ibyo bikorwa ni kwerekana, aho dutumira amagana yabashoramari bemewe (kugirango utazigera uta umwanya wawe kubantu badafite aho bahurira) tuguha ijambo. Nubwo twatangiye umwaka umwe gusa, twafashije ibigo 20+ fintech gushyira mubikorwa ingamba zo guteza imbere software, kugabanya miliyoni zisaga 30 zamadorari y’amafaranga y’ubuhanga no kuzamura agaciro kabo hamwe miliyoni 100 $. Umunsi wo gutangiza Demo Ibyingenzi byingenzi kubashinze Fintech Abashinze fintech benshi nta bugome bafite mugihe cyo gukusanya inkunga kuko batumva uko abashoramari batekereza. Ababikora? Babona inkunga. Abashoramari ntibitaye kuburyo tekinoroji yawe ari nziza; bashaka kumenya uko gutangira kwawe kuzabona amafaranga. Ikibanza kinini kiroroshye, kigira ingaruka, kandi cyemewe. Ikintu cyiza cyo kwigira kubitsinzi no gutsindwa kwisi ni uko baguha ubushishozi kubishobora gutuma ikibuga cyawe gitsinda. Tangira kwitabira iminsi ya demo, ikibuga cyimbere, kandi ugwize amahirwe yawe yo gufunga amahirwe yishoramari.
