Ibigo bito n'ibiciriritse byo muri Ositaraliya byishimira Fintech Venture Skyecap ya Andrew Spira

Skyecap ni isosiyete ya fintech yashinzwe muri 2018 na Andereya Spira , hamwe nubutumwa bwo guhindura uburyo imishinga mito n'iciriritse (SMEs) muri Ositaraliya igera mumari shingiro. Ntabwo yishimiye inzira zitinda kandi zikomeye za banki gakondo, Spira yatekereje igisubizo cyihuse, cyoroshye, kandi cyoroshye cyo gutanga inguzanyo. Mu myaka imaze ikora, Skyecap imaze kuba umuntu ukomeye mu bikorera ku giti cyabo, itanga ubucuruzi ibihumbi n’ibihumbi bakeneye gutera imbere.

Ivuka rya Skyecap: Icyerekezo cyo gutera inkunga ubucuruzi bworoshye

Skyecap yavutse kuburambe bwa Spira yiboneye nibibazo SMEs ihura nabyo mugihe ikorana na banki gakondo, Skyecap yabanje gushingwa kugirango itange amahirwe kubadakwiye cyangwa birengagijwe. Izi mbogamizi zirimo inzira ndende yo kwemeza inguzanyo, ingingo zikomeye zo gutanga inguzanyo, hamwe nimpapuro zikabije. Mu rwego rwo gukemura ibyo bibazo, Spira yinjije ikoranabuhanga rigezweho mubikorwa bya Skyecap kuva kumunsi wambere.

Isosiyete yateje imbere SkyeAI, algorithm ya artificiel artificiels ikubiyemo inzira zose zo gusaba inguzanyo. Ihuriro ryemerera Skyecap gusuzuma porogaramu mugihe nyacyo, yemerera ubucuruzi bushishikajwe no gusaba kumurongo muminota mike no kwakira amafaranga mumasaha abiri yemewe.

Iterambere ryihuse rya Skyecap

Ndetse kuva yatangizwa, Skyecap yageze ku iterambere ridasanzwe. Kugeza mu 2024, isosiyete yari imaze kwinjira mu bakiriya barenga 75.000 kandi yongera abakiriya bayo ku buryo bushimishije 489% muri uwo mwaka wonyine. Intsinzi nkiyi ijyanye no kwiyongera gukenewe muburyo bworoshye kandi bworoshye bwo gutera inkunga imishinga mito n'iciriritse. Ikigaragara ni uko abakiriya ba Skyecap barenga 60% bari baranze mbere nabaguriza.

Ukoresheje isesengura ryakozwe na AI rikurikira inzira zindi amanota asanzwe yinguzanyo hamwe na raporo yimari ikunda kubura, Skyecap yerekana ubushobozi mubucuruzi ubundi byangwa na banki gakondo. Ubu ni bwo buryo bwemeye isosiyete kwishora mu "bukungu bwihishe" mu bucuruzi budakwiye.

Algorithm ya Skyecap ya Skyecap, nkuko Spira ubwe abitangaza, impamvu nyamukuru itera isosiyete gutsinda. Bitandukanye n’abatanga inguzanyo gakondo bashingira ku bipimo bishaje, SkyeAI isesengura ingingo zitandukanye zamakuru nkimyumvire yimbuga nkoranyambaga, ubukungu bwaho, hamwe nuburyo amafaranga agenda. Isesengura ryuzuye ritanga inzira yo kwemererwa byihuse mugihe gikomeza igipimo gito cya 2.5% gusa, munsi yikigereranyo cyinganda.

Uburyo Skyecap Yitandukanije na Banki gakondo

Muri rusange, Skyecap yitandukanya na banki gakondo binyuze mu nkingi eshatu zingenzi: umuvuduko, guhinduka, no kugerwaho.

1. Umuvuduko

   
   

Ahari Skyecap ibyiza byingenzi ni inzira yayo yihuta yo kwemererwa. Amabanki gakondo akenshi afata ibyumweru cyangwa ukwezi gutunganya ibyifuzo byinguzanyo kubera isuzuma ryintoki na sisitemu zishaje.

Mugereranije, Skyecap ikoresha tekinoroji ikoreshwa na AI kugirango ifate ibyemezo nyabyo. Bimaze kwemezwa, amafaranga yoherezwa mumasaha abiri - ubushobozi butigeze bwumvikana kubigo bito n'ibiciriritse bikenera igishoro cyihuse kubikenewe byihutirwa nko kugura ibikoresho cyangwa gucunga amafaranga.

2. Guhinduka

Skyecap nayo yerekanye izina ryayo kugirango ihinduke. Bitandukanye na banki gakondo zisaba umutungo wingenzi nkingwate, Skyecap itanga inguzanyo zidafite ingwate kuva $ 2000 kugeza $ 250.000 AUD idasabye ingwate namba. Abaguriza kandi bafite umudendezo wo gukoresha amafaranga uko bikenewe - haba mu kwagura abakozi, kuzamura ikoranabuhanga, cyangwa ubukangurambaga bwo kwamamaza - aho kugarukira ku ntego zihariye zitangwa n'uwatanze inguzanyo.

3. Kugerwaho

Hanyuma, Skyecap irusha abandi kuboneka mugukingura imiryango kubucuruzi bushaka guca intege inganda zabo. Mugihe amabanki akunda gushyigikira ubucuruzi bunini bufite amateka yimari yashizweho, ibitekerezo byemejwe, hamwe n amanota menshi yinguzanyo, uburyo bwa AI bwifashishwa na Skyecap bureba ibirenze ibipimo bisanzwe.

Gusesengura amakuru yagutse nkisoko ryamasoko nuburyo bwo gutembera kwamafaranga, SkyeAI igaragaza ubucuruzi butanga ibyiringiro bifite imbaraga zo kuzamuka nubwo bitujuje ibisabwa gakondo. Ingamba nkizo zagaragaye ko zifite agaciro cyane mugihe ubukungu bwifashe nabi mugihe imishinga mito n'iciriritse myinshi ihura ningorabahizi zamafaranga zishobora kuba zitemewe nkuko bisanzwe mumabanki.

Igihe gishya cyo gutanga inguzanyo

Skyecap iri mu bwoko bwa mbere mu nganda zitanga inguzanyo ziciriritse, aho izwi cyane mu gukemura ibibazo bidahwitse bya banki gakondo binyuze mu ikoranabuhanga. Hamwe no kwemezwa byihuse, amagambo yoroheje, hamwe nibyemezo bishingiye ku makuru ashingiye ku bushobozi bw’ubucuruzi, Skyecap ifasha imishinga mito n'iciriritse ya Ositarariya gutera imbere mu bukungu butandukanye.

Kurenza ikindi kigo cyishoramari ninkunga, Skyecap irashaka guhagararira icyifuzo - aho igitekerezo, nubwo cyaba kitari mu gasanduku, gishobora gushakishwa. Kuva muri laboratwari yikoranabuhanga yateye imbere kugeza ku mishinga mito yubatswe ku nzozi z'ubuzima, Andrew Spira na Skyecap bashakisha amahirwe kuri bose.

Inguzanyo y'ifoto: Skyecap