U-Nick Molnar no-Anthony Eisen base beseminyakeni yabo-20 ubudala lapho bethula i-Afterpay ngo-2014. Ukuqalisa kwabo kwakuwuhlelo lokusebenza, olugqugquzelwe umqondo wokushiya phansi - indlela ngezimali into ongeke ukwazi ukuyikhokhela ngokushesha.
I-Layaways yayivame ukunukubezwa ngenxa yokuthi ngokuvamile yayiholela ekubeni ababoleki babhekane nenani lenzalo enkulu, futhi uMolnar no-Eisen babazi ukuthi izinkulungwane zeminyaka kanye no-Gen Z babenenzondo emakhadini esikweletu ngenxa yokuntuleka kwezimali. usongo lwezikweletu. Kungakho i-Afterpay inikeze inketho yokukhokha ukuthenga ngezitatimende ezine ezingenanzalo.
Ukucatshangelwa kwabasunguli kwabonakala kunembile, futhi i-Afterpay yanda ngokuduma. Okwamanje, a Inhlolovo ye-Bankrate kusukela ngo-2016 bathole ukuthi oyedwa kuphela kwabathathu abadala abaphakathi kweminyaka engu-18 no-29 onekhadi lesikweletu.
Eminyakeni emibili ngemuva kokwethulwa, uMolnar wakhuthaza abalandeli be-Afterpay ukuthi bafinyelele abathengisi ababathandayo futhi babacele ukuthi baqale ukusebenzisa inkundla. Ngokushesha, amathani amabhizinisi kulo lonke elase-Australia asebenzisa i-Afterpay njengendlela yokuthenga. Ngo-2018, uMolnar wanquma ukunwebeka e-U.S.
Akekho ofuna ukuboleka imali ukuze athenge ingubo, kusho uMolnar Forbes kwinhlolokhono ka-2018. Kube noguquko endleleni abantu abasebenzisa ngayo imali, futhi yilokho esigxile ekuxazululeni.
Ukumaketha kwe-Afterpay kuqondiswe ngokusobala ezinkulungwaneni zeminyaka ezincane kanye no-Gen Z - yayo Mayelana NATHI ikhasi liqukethe izithombe zentsha ezithwebulayo futhi ihleka amafoni ayo . Imishwana enamagama amakhulu kulo lonke ikhasi isho izinto ezinjengokuthi, Ukuthenga kunjaloubumnandi futhi Weukwethembafuthinikeza amandlaabathengi, bebonakala bebeka amandla ezandleni zabathengi. I-customer-centric, okuye kwafakazelwa ukuthi iyinhlangano isu elisebenzayo ngeMillennials kanye noGen Z.
Iwebhusayithi ye-Afterpay iphinde ikhangise bonke abathengisi umkhiqizo osebenza nabo - ihlelwe yizigaba njengezemidlalo, ubuhle, izimpahla zasekhaya nezicathulo. Bekungeke kube lula ukuthola ukuthi umthengisi wakho oyintandokazi ubambisene ne-Afterpay, futhi isayithi liphinde liveze ukuthi izitolo ezithile ziyathengisa yini, okwenza kuhehe nakakhulu ukuthi abathengi bachofoze.
Ikhredithi: I-Afterpay
Kucishe kubonakale kukuhle kakhulu ukuba yiqiniso. Kodwa kwenzekani uma othile egeja enye yezinkokhelo zezitolimende ezine?
Kwethi Ulwazi ukhulume no-Ethan Taub, umsunguli kanye no-CEO we-Goalry, inkampani enikeza iseluleko sokufinyelela imigomo yezezimali. UTaub ukholelwa ukuthi izinkampani ezifana ne-Afterpay zisebenzisa i-stereotype yokuthi abathengi be-millennial kanye ne-Gen Z bamayelana nokuzanelisa ngokushesha.
Ngicabanga ukuthi iningi lalaba babolekisi bosuku lokukhokha bakholelwa ukuthi wonke ama-gen z kanye
abantu beminyaka eyinkulungwane bancamela ukuba nento abayidingayo manje, futhi bayibuyisele emuva kwesikhathi, uTaub utshele In The Know. Uma ungakhokhi ngesikhathi [kungaba] yisimo esibi ukuphuma kuso. Uma ukhokha ngesikhathi, amaphuzu akho esikweletu ngeke athinteke, kodwa uma ungakhokhi, kungaba nemiphumela emikhulu.
Kuvame kangakanani ukungakhokhi ngesikhathi? Ngokwemibiko yezimali ye-Afterpay, ingxenye encane kuphela yenzuzo yayo yonyaka evela ezinkokhelweni zokukhokha sekwephuzile. Kusukela ngo-2016 kuya ku-2017, I-Afterpay yenziwe cishe amaRandi ayizigidi ezingu-23 zamadola ase-Australia (amaRandi ayizigidi ezingu-16 nge-USD) ezinkokhelweni ezivela kubathengisi kanye nomunye u-.1 wezigidi (.4 wezigidi zama-USD) ezinkokhelweni zamuva.
I-Afterpay ayikuhloli izikweletu kumakhasimende abhalisela ukuyisebenzisa, okungase kubonakale kukuhle kubasebenzisi abanezikweletu eziphansi, kodwa futhi kubonisa ukuthi inkampani ayinandaba kangakanani nokuthi abasebenzisi bayo bangakwazi yini ukukhokha izitolimende.
I ukuphrinta kahle lapho ubhalisa ne-Afterpay ithi nakuba inkampani ingeke ikwenzele isheke lesikweletu, inga-oda umbiko wakho wesikweletu futhi ibhale ukuthi ugeje izinkokhelo.
Ngakho-ke, ngenkathi i-Afterpay ingazuzisi isikolo sakho sesikweletu, ingasibhubhisa.
Njengamanje, i-Australian Securities and Investments Commission (ASIC) ikhona ukubukeza thenga manje, khokha imikhuba yakamuva ngemuva kokuthi umbiko ka-2018 uthole ukuthi leli qhinga lingabangela ukuthi abanye abathengi bazibophezele ngokweqile ngokwezimali.
Isikhulu esiphezulu seCommonwealth Bank uMat Comyn uphakamise ukukhathazeka okufanayo ekomitini lephalamende ngoSepthemba 7, lathi izinkampani ezifana ne-Afterpay kumele zicabangele lonke ikhono [lekhasimende] lokukhokha, esikhundleni sokwamukela nje ukuthenga kwazo manje, zikhokhe kamuva isicelo ngokwaso ngoba zingadala izinkinga eziningi amaphuzu abantu bezikweletu.
Kodwa i-Afterpay igcizelela lokho amakhasimende ayo awadingi ukuvikelwa okusemthethweni nokuthi inkampani ingakwazi ukuzilawula ngokwayo noma yiziphi izinkinga. Umsebenzisi we-Reddit ubeke amazwana esitatimendeni senkampani ngokuthi: Umlando usibonise ngokuphindaphindiwe, ukuthi ezweni eliqhutshwa inzuzo, ukuzilawula akusebenzi.
Silawula amakhadi esikweletu. Silawula izikweletu. Silawula ababolekisi bosuku lokuhola. Kwehluke kanjani lokhu? omunye umsebenzisi we-Reddit okuthunyelwe . Lawa mabhizinisi anengozi enkulu yokuba nenkinga. Iyiphi le nto yomlingo okuthiwa banayo ebavimbela ekubeni nezinkinga ezifanayo nezinye izikweletu ezingagunyaziwe ezinazo?
Okutholakele kwangaphambilini kwe-ASIC bathole ukuthi oyedwa kwabayisithupha uthenge manje, akhokhe kamuva abasebenzisi bakhiphe imali engaphezulu kwama-akhawunti abo asebhange, babambezeleka ezinye izinkokhelo zezikweletu noma baboleka imali yokukhokha izitolimende futhi bagweme ukukhokhiswa sekwephuzile.
Ikusasa le-Afterpay aliqinisekile, futhi. With izimbangi like Sweden-based Klarna Ukuvela, izinkampani ze-fintech kufanele zithole izindlela zokuhlala ngaphambi komncintiswano.
Njengoba lezi zinkampani zikhula ngokuthandwa, kufanelekile ukwazi ukuthi zikhona izindlela eziphephile ukusebenzisa i-Afterpay. Amakhasimende kufanele amise i-akhawunti yawo ngekhadi lasebhange ( hhayi ikhadi lesikweletu) futhi usethe izikhumbuzi zokukhokha ukuze ugweme noma yiziphi izimali ezikhokhiswa sekwephuzile ngephutha.
Ukujabulele ukufunda lesi sihloko? Funda mayelana nodokotela besikhumba abanesisindo sokukhathazeka kuka-Gen Z nokunakekelwa kwesikhumba kwe-TikTok
Ezinye izindawo zokuhlala e- In The Know:
Kunendlu entsha ye-TikTok edolobheni futhi yimbi kakhulu
I-Pluto Pillow izokwakhela umcamelo womuntu siqu ngokusekelwe endaweni yakho yokulala
Ukuthengiswa kwe-Ugg Closet sekuqalile ngokusemthethweni ngesaphulelo esifika kumaphesenti angama-60
I-Gap Factory inezaphulelo ezinkulu ngezitayela ezifika ku-
