Ukuzenzakalela kwezezimali, ikakhulukazi emkhakheni wamabhange, ngokwesiko kwaqala ngezinqubo zokusebenzisa imvamisa ephezulu kanye nemisebenzi. Ebhange, imisebenzi evame kakhulu ibandakanya ukucubungula okwenziwe kanye nokubolekwa kwezitolo.

Lezi zindawo bekugxilwe kuzo kakhulu emizamweni yokuzenzakalela, ehlanganisa izici ezifana nokucutshungulwa kwezicelo, ukuhlola ubungozi, kanye noshintsho olusuka ekubuyekezweni mathupha kwamafomu namadokhumenti ukuya ekuhloleni okuzenzakalelayo nokuhlola okusekelwe kumamodeli.

Ukuxhaswa ngezimali kwe-Mezzanine kuhluke kakhulu kulezi zinqubo zamafrikhwensi aphezulu. Iphawuleka ngemvelo yayo eyingqayizivele, eyenziwe ngendlela efanele, uxhaso lwezimali lwe-mezzanine luthatha indawo ethile ye-niche ngaphakathi kwendawo yezezimali: lumelela isixazululo sezezimali esinamazinga aphezulu engcuphe, abekwe ngendlela ehlelekile phakathi kwezimali mboleko ezijwayelekile zebhizinisi kanye nokutshalwa kwezimali kokulingana.

Ukuxhaswa ngezimali kwe-Mezzanine kungase kuhilele ukuhlinzeka ngezimali ezingeni labanikazi bamasheya (okuyinto engaphansi kwesakhiwo) noma ngokutholwa kokulingana okuhambisana namathuluzi okubuyisela afana nezinketho zokubeka (ukwehliselwa ngaphansi kwenkontileka).

Uma kubhekwa imvelo eyodwa kanye neyomuntu ngamunye yamadili e-mezzanine, izinqubo zokuzenzakalela kule ndawo ziletha inselele enkulu. Umbuzo wemvelo ungaba lokhu okulandelayo: amabhange, ikakhulukazi amakhulu, angawufinyelela kanjani umsebenzi wokuthuthukisa inzuzo yebhizinisi labo le-mezzanine ngokusebenzisa i-automation kanye nokuguqulwa kwedijithali?

Njengongcweti onolwazi olunzulu emkhakheni wePrivate Equity, Risk Management, kanye nezezimali, ngihlose ukuhlinzeka ngocwaningo oluyisingeniso mayelana noguquko lwedijithali ekubolekeni kwe-mezzanine okuhloswe ukuxazulula izinkinga nokuhlinzeka ngezindaba zempumelelo ekusebenziseni intuthuko yezobuchwepheshe endaweni. yamabhange ngokwesiko ancike ekuhwebeni, ekwenziweni kwezivumelwano komuntu ngamunye.

Indawo Yendabuko Yokuboleka kwe-Mezzanine

Uxhaso lwezimali lwe-Mezzanine luwumkhakha ohlukile futhi onamaphutha ngaphakathi komkhakha wezezimali obanzi. Njengoba kushiwo ngaphambili, ithatha indawo emaphakathi phakathi kwezimali mboleko ezijwayelekile zezinkampani kanye nokutshalwa kwezimali ngokulingana futhi ibonakala ngezinga eliphakeme lengozi.

Ngokuhlukile, idili ngalinye le-mezzanine lenziwe ngendlela efanele, futhi lakhiwe ukuze livumelane nezidingo nezimo ezithile zeklayenti ngalinye, njengesudi eyenziwe ngokwezifiso.

Izinselelo Ekubolekweni Kwendabuko Kwe-Mezzanine

Imvelo yokuxhaswa ngezimali kwe-mezzanine ngokwemvelo iletha izinselele ezinkulu. Izindlela zendabuko zincike kakhulu ezinqubweni ezenziwa mathupha nasekwenzeni okuqondene nomuntu ngamunye. Le ndlela idinga ukuqonda okujulile kwezici eziyingqayizivele zedili ngayinye, isethi yamakhono evame ukuntuleka futhi ebizayo .

Emabhange amakhulu anezigaba ezimisiwe zokuboleka imali, amakhasimende nabaphathi bezikweletu bazi kahle ngemikhiqizo yezikweletu ejwayelekile. Kodwa-ke, ukuhlangana kwabo nokuthengiselana kwe-mezzanine akuvamile, okubuye kukhawulele ubuchwepheshe babo ekuthengiseni ngempumelelo noma ukuheha amadili anjalo.

Ukusungula ithimba elikhethekile labaphathi bamakhasimende emikhiqizo ye-mezzanine akubizi nje kuphela, kodwa futhi kukhulisa izindleko uma kuqhathaniswa nezinqubo ezijwayelekile zokuboleka.

Nakuba kungenzeka ukuhlanganisa imikhiqizo eyinkimbinkimbi yokutshala izimali ibe ngamaqembu ukuze kuncishiswe izindleko, ukufakwa kwedijithali kulokhu kuvela njengendlela eyongayo futhi ephumelelayo.

I-Digitalization njengesixazululo

Ushintsho lwedijithali ekubolekeni kwe-mezzanine ngokuyinhloko lugxile ekuhlonzeni amadili nokuheha. Iningi lochwepheshe bezikweletu namakhasimende emabhange basebenzisa amasistimu aqopha izingxoxo, imibono yamadili, kanye nemingcele yokuqala yezivumelwano.

Ukuhlanganisa imibandela ye-mezzanine kulawa masistimu akhona kungenza ukuhlonza okungaba khona kwezivumelwano ze-mezzanine.

Uma okwenziwayo kuhlangabezana nalezi zindlela zokunquma, kungadluliselwa ngokuzenzakalelayo kusigaba se-mezzanine ukuze kuqhutshekwe nokucutshungulwa. Okunye ukuthuthuka kungabandakanya amamodeli e-AI aqeqeshelwe ukuhlukanisa phakathi kwezimali mboleko ezijwayelekile zebhizinisi namadili e-mezzanine asuselwa kunqwaba yemingcele yezivumelwano ezingenayo.

Isilinganiso salolu shintsho sibalulekile: kuyilapho ibhange elikhulu lingase lenze izinkulungwane zemisebenzi yokuboleka yezinkampani minyaka yonke, amadili ezezimali e-mezzanine ayivelakancane kakhulu, avame ukubalwa ngedijithi eyodwa. Ukusebenzisa uhlelo lokuhlonza amadili e-mezzanine kungase kuholele ekukhuphukeni kwevolumu yawo ngokuphindwe kashumi.

Ukwenza lula inqubo: Automation kanye Standardization

Ukuguqulwa kwedijithali kungenza kube lula ukusebenza ngokuzenzakalela kanye nokumisa inqubo. Esikhundleni sokucwila uqonde ekuzishintsheni okugcwele kwesikali nokuthuthukiswa kwenkundla, ungaqale ugxile kubuchwepheshe obulula njenge-RPA, eyenza ngokuzenzakalelayo ukuqoqwa kwedatha, ukuqinisekiswa, ukubala, nokubika. Lokhu kunciphisa umsebenzi wezandla namaphutha futhi kuthuthukisa ukubalwa kwezimali nokuhambisana.

Amathuluzi e-mezzanine asezingeni kanye namadokhumenti afana namashidi esikhathi nezivumelwano zemali mboleko angenziwa ngokwezifiso ngokushesha kwidili ngayinye ngaphandle kokulahlekelwa ikhwalithi. Lokhu kusheshisa ukucutshungulwa nokubhalwa kwemibhalo, okuthuthukisa ngokwengeziwe ukubonakala nokungaguquguquki.

Izinkundla zedijithali namathuluzi afana nesizindalwazi namadeshibhodi asiza ukulandelela nokuphatha umthamo okhuphukile wedili nokuhlukahluka ngokuhlela ulwazi. Lokhu kuvumela ukuqapha isimo sedili nenqubekelaphambili, ukuhlonza nokuxazulula izinkinga.

Sekukonke, i-automation kanye nokumiswa kwenza kube lula ukwenza, kunciphisa ukungqubuzana nezindleko. Ngokwenza lula inqubo yokuphela ukuya ekupheleni, ukuguqulwa kwedijithali kwenza ukuboleka kwe-mezzanine kusebenze kahle, kukhule, futhi kube nenzuzo.

Iqhaza Lamathuluzi Okubika

Ukubika kwephothifoliyo ye-Mezzanine kuyinkinga ngaphandle kwedatha ejwayelekile. Lawa madili ahlukahlukene awanakho ukubonisa ngale, okwenza kube nzima ukuhlola ngokuqhubekayo ukubuyisela okubalulekile kanye namamethrikhi engcuphe.

Amathuluzi okuhlaziya okudijithali okubonakala kwedatha kanye neBusiness Intelligence angasiza ngokuhlanganisa idatha ehlukene ukuze kubonakale okuhlanganisiwe: kunika amandla amadeshibhodi abonisana ngeso lengqondo ukusebenza kwephothifoliyo esikwe ngomboleki, imboni, indawo, nobunye ubukhulu - lokhu kunika amandla ukuqapha okuphelele.

I-Qlik iphinde inike amandla izibalo ezithuthukisiwe njengokumodela okubikezelwayo, ukuhlaziya isimo, nokuhlola ingcindezi. Ababolekisi bangakwazi ukulingisa ukusebenza kwephothifoliyo yesikhathi esizayo ngaphansi kokuqagela nezimo ezihlukahlukene - le mininingwane eqhutshwa idatha isiza ukuthuthukisa isu kanye nokunciphisa ubungozi.

I-Qlik Sense kanye nezibalo zedatha mayelana nalokhu zingcono kakhulu ukuze zinikeze ukukhanya nemininingwane edingekayo ukuze ulawule ngokukhuthele amaphothifoliyo e-mezzanine. Ngokunika amandla ukubika okuphelele nokuhlaziya okubikezelayo kulawa madili ayinkimbinkimbi, ukuguqulwa kwedijithali kunikeza ababolekisi ukubonakala okudingekayo ukuze kwandiswe imbuyiselo kanye nokunciphisa ubungozi. Kuyi-lever enamandla yokuthuthukisa imiphumela ekubolekeni kwe-mezzanine.

I-Case Studies

Kulesi sigaba, sizohlola izenzakalo zenqubo yekhredithi yokuzenzakalela. Ngokuphawulekayo, kunezimo ezilinganiselwe ezivelele zokuthuthukisa ukuthengiselana kwe-mezzanine ngaphezu komsebenzi wethu e-Sberbank.

Kodwa-ke, ngizokwethula izibonelo ezithile ezibonisa ukuthi izindlela ezifanayo zingasetshenziswa kanjani ebhizinisini le-mezzanine, ngokufana nalokho esikuzuze e-Sberbank phakathi kuka-2018 no-2021, kanye nalokho engizokwembula kamuva embhalweni.

Indaba Eyisifundo 1: I-European Bank Enkulu Isebenzisa Inkundla Yokubolekwa Kwedijithali Yokuphela Kuya-Ekupheleni

Isendlalelo : Ibhange elikhulu lase-Europe lifune ukumisa kabusha ibhizinisi lalo lokuboleka ama-SME phakathi kokuncintisana nezimbangi ze-fintech ezigugile. Yayihlose ukudala i-ecosystem yedijithali enohambo lwamakhasimende olungenazihibe. Isinyathelo sokuqala bekuwukusungula kabusha ukuboleka kwayo kwezentengiso ngezinhlelo zokusebenza ezilula, ukufinyelela kweselula, nezimvume zesikhathi sangempela.

Indlela : Ibhange lihlanganyele ne-Deloitte ukuze lichaze izidingo zekhasimende nobuchwepheshe Zohlelo olusha olusekelwe efini Lokuboleka Kwedijithali. Inkundla ye-OpenDATA ka-Deloitte ku-AWS inikwe amandla ukuthuthukiswa okuguquguqukayo, okukalekayo, okumodulayo. Lokhu kuvumele ukwamukelwa kwezindlela ze-Agile, ukuletha inguqulo yokuqala emavikini ayi-13 kuphela.

Uhlelo lusebenzisa ukuhlaziya okuthuthukile okuhlanganisa i-AI ne-ML ukuze kuhlanganiswe futhi kuhlaziywe idatha evela ezinhlelweni zangaphakathi, isizindalwazi sangaphandle, imithombo yezokuxhumana, kanye neminye imithombo ukuze kudaleke amaphrofayili aboleki aphelele, asesikhathini samanje.

Isebenzisa imithetho enqunywe kusengaphambili ukuhlunga nokufaneleka izinga lokuxhaswa ngezimali kwe-mezzanine. I-RPA, i-blockchain, nezinkontileka ezihlakaniphile zenza ngokuzenzakalelayo imisebenzi eyenziwa ngesandla njengombhalo, izibalo, nokubika.

I-Qlik Sense inika amandla ukuboniswa kwedatha okusebenzisanayo, ukumodela okubikezelwayo, izimo, nokuhlolwa kwengcindezi ukuze kuthuthukiswe amasu e-mezzanine nokulawulwa kwengozi.

Ngenxa yalokho, isikhathi sokufaka isicelo semalimboleko sehlisiwe sisuka ezinsukwini ezingama-20 saya emizuzwini eyi-15, izinga lokugunyazwa lenyuka lisuka ku-50% laya ku-90%, futhi izindleko zokucubungula zehla ngo-70%. Ukugeleza komthofu, ikhwalithi, nokuguqulwa nakho kuye kwathuthukiswa, kuyilapho ukubonakala nokuvumelana kweminikelo ye-mezzanine kwathuthukiswa. Izibalo nezifaniso ezithuthukisiwe zamasu nezinqumo.

Indaba Eyisifundo 2: Inkampani Ebolekisa Ngezimali Ezizimele Isebenzisa I-GoDocs Ukuze Yenze Ukubolekwa Kwesimanje

Isendlalelo : I-TheLender yinkampani ezimele ebolekisayo egxile ekuhlinzekeni ngemalimboleko yebhuloho kubatshalizimali bezindlu ezithengiswayo. Umabolekisi ubefuna ukuzehlukanisa nabanye ababolekisi ngokunikeza inqubo yokuboleka esheshayo, elula, nesobala kakhudlwana.

Indlela : Inkampani ibambisene ne-GoDocs, umhlinzeki oholayo wesofthiwe yokukhiqiza imibhalo yemalimboleko yezentengiselwano, ukuze iqalise inkundla yokuboleka yedijithali eyenza ngokuzenzakalelayo yonke inqubo yokuqalisa nokuvala.

Inkundla isebenzisa ikhompuyutha yamafu, ubuhlakani bokwenziwa, kanye nobuchwepheshe be-blockchain ukuze kuqondiswe ukuhamba komsebenzi, kunciphise amaphutha, futhi kuthuthukise ukuphepha.

Ngaphezu kwalokho, inkundla yokuboleka imali yedijithali ye-TheLender iyenze yakwazi ukunciphisa isikhathi sokukhiqiza amadokhumenti emalimboleko ukusuka emahoreni kuye emaminithini, ukuqeda ukufaka idatha mathupha namaphutha omuntu, inikeze ukubonakala kwesikhathi sangempela nokusebenzisana phakathi kwazo zonke izinhlangothi ezihilelekile ekwenziweni kwemali mboleko, ukugcina ngokuphephile nokwabelana ngemali mboleko. amadokhumenti ebhukwini esabalalisiwe, futhi ekugcineni ahlanganiswe nezinsizakalo zezinkampani zangaphandle ezifana nama-credit bureaus, izinkampani zetayitela, nama-escrow agents.

Ngenxa yalokho, inkundla yokubolekwa kwemali yedijithali yenkampani iyisize yakhulisa umthamo wayo wemalimboleko kanye nenzuzo ngo-300% ngonyaka owodwa, yathuthukisa ukwaneliseka kwamakhasimende ayo kanye namazinga okugcina, yehlisa izindleko zayo zokusebenza kanye nezingozi, futhi yazuza umkhawulo wokuncintisana ekubolekeni kwangasese. imakethe.

Isiphetho

Ukuguqulwa kwedijithali kunikeza ithuba eliphoqayo kubabolekisi be-mezzanine ukuthi basungule futhi bakhe inani. Ubuchwepheshe obuthuthukisiwe obuhlanganisa i-automation, i-AI, nokuhlaziywa kwedatha kungabhekana namaphuzu obuhlungu amanje mayelana nokutholwa kwedili, ukusebenza kahle kwenqubo, nokuphathwa kwephothifoliyo.

Izinzuzo ezingaba khona zihlukene - ukuzizwisa kwamakhasimende okuthuthukisiwe, ukukhiqiza kwabasebenzi, ukulawulwa kwezingcuphe, kanye nokushesha kwamasu. Inzuzo eyinhloko ukwanda kwenani lemisebenzi, ngakho-ke nemali engenayo.

Ngisebenzisa ulwazi lwami lokusebenza e-Sberbank kusukela ngo-2018 kuya ku-2021, kuyacaca ukuthi ukusebenzisa izinguquko ezinjalo ebhizinisini le-mezzanine kungakhuphula kakhulu kokubili umthamo webhizinisi kanye nenani lamadili. Ekuqaleni, i-Sberbank yayiphethe cishe amadili e-mezzanine ayi-10 ngonyaka.

Kodwa-ke, ngo-2022, kulandela ukwamukelwa kwamasu okuzenzakalela asebenzayo, amandla ebhange akhuphukela kumadili angaphezu kwe-100 ngonyaka.

Lokhu kukhula okumangalisayo kugqamisa ithonya elikhulu lezinto ezintsha zedijithali ekuthuthukiseni kokubili izinga nokusebenza kahle kokusebenza ekubolekeni kwe-mezzanine.