U-Nick Molnar kunye no-Anthony Eisen babekwiminyaka yabo engama-20 xa baqalisa i-Afterpay ngo-2014. inkxaso-mali into ongenakukwazi ukuyifikelela kwangoko.
I-Layaways yayisoloko inyeliswa kuba ikholisa ukukhokelela ekubeni ababoleki bajongane nenzala enkulu, kwaye uMolnar no-Eisen babesazi ukuba imillennials kunye no-Gen Z bawathiyile amakhadi etyala isoyikiso samatyala. Yiyo loo nto i-Afterpay inikezela ngenketho yokuhlawula intengo kwiingxelo ezine ezingenanzala.
Ingcinga yabasunguli yangqineka ichanile, kwaye i-Afterpay yanda ngokuthandwa. Okwangoku, a Uphando lweBhanki ukususela ngo-2016 bafumanise ukuba ngumntu omdala omnye kwabathathu abaphakathi kweminyaka eli-18 nama-29 kuphela onekhadi letyala.
Kwiminyaka emibini emva kokusungulwa, uMolnar wakhuthaza abalandeli be-Afterpay ukuba bafikelele kubathengisi babo abathandayo kwaye babacele ukuba baqale ukusebenzisa iqonga. Kungekudala, iitoni zamashishini kulo lonke elaseOstreliya zasebenzisa i-Afterpay njengendlela yokuthenga. Ngo-2018, uMolnar wagqiba ekubeni andise e-US
Akukho mntu ufuna ukuboleka imali ukuze athenge ilokhwe, utshilo uMolnar Forbes kudliwano-ndlebe luka-2018. Kubekho utshintsho kwindlela abantu abasebenzisa ngayo imali, kwaye yile nto sigxile ekusombululeni.
Intengiso ye-Afterpay ijolise ngokucacileyo kubantu abancinci beminyaka eyiwaka kunye ne-Gen Z - yayo Ngathi iphepha libonisa iifoto zolutsha oluthatha ii-selfies kwaye luhleka kwiifowuni zabo. Amabinzana amakhulu kwiphepha athetha izinto ezinje, Ukuthenga kuulonwabo kwaye Thinaithembakwayeukuxhobisaabathengi, babonakala bebeka amandla ezandleni zabathengi. Yinto yomthengi-centric, eye yangqinwa ukuba i isicwangciso esisebenzayo kunye neMillennials kunye neGen Z.
Iwebhusayithi ye-Afterpay ikwabhengeza bonke abathengisi uphawu olusebenza nabo - ihlelwe ngokweendidi njengemidlalo, ubuhle, iimpahla zasekhaya kunye nezihlangu. Akunakuba lula ukufumana ukuba umthengisi omthandayo ubambisene ne-Afterpay, kwaye isiza sikwadiza ukuba iivenkile ezithile ziyathengiswa, nto leyo eyenza ukuba kuthandeke ngakumbi kubathengi ukuba bacofe.
Ityala: Afterpay
Iphantse yabonakala ilunge kakhulu ukuba yinyaniso. Kodwa kwenzeka ntoni ukuba umntu uphose enye yezavenge ezine?
Kwincwadi ethi The Know uthethe noEthan Taub, umseki kunye neCEO yeGoalry, inkampani enika iingcebiso zokufikelela kwiinjongo zemali. UTaub ukholelwa ukuba iinkampani ezifana ne-Afterpay zithatha ithuba le-stereotype yokuba i-millennial kunye nabathengi be-Gen Z bonke malunga nokwaneliseka kwangoko.
Ndicinga ukuba uninzi lwaba babolekisi bentlawulo bakholelwa ukuba zonke gen z kunye
millenials bakhetha ukuba nento abayidingayo ngoku, kwaye bayihlawule kamva, uTaub uxelele In The Know. Ukuba awuhlawuli ngexesha [inokuba] ngumjikelo ombi ukuphuma kuwo. Ukuba uhlawula ngexesha, amanqaku akho ekhredithi akayi kuchaphazeleka, kodwa ukuba awukwenzi, kunokubakho iziphumo ezinkulu.
Kuxhaphake kangakanani ukungahlawuli ngexesha? Ngokweengxelo zemali ze-Afterpay, kuphela inxalenye encinci yengeniso yayo yonyaka evela kwiintlawulo zentlawulo kade. Ukususela ngo-2016 ukuya ku-2017, Emva kwentlawulo yenziwe malunga ne-23 yezigidi zeedola zase-Australia (i-16 yezigidi zeedola kwi-USD) kwiintlawulo ezivela kubathengisi kunye nenye i-$ 6.1 yezigidi (i-4.4 yezigidi zeedola kwi-USD) kwiintlawulo zamva.
I-Afterpay ayiqhubeki iitshekhi zetyala kubathengi ababhalisela ukuyisebenzisa, enokuthi ibonakale ilungile kubasebenzisi abanetyala eliphantsi, kodwa ikwabonisa ukuba incinci kangakanani na inkampani enenkathalo malunga nokuba abasebenzisi bayo banokuhlawula ngezavenge.
I ushicilelo oluhle xa ubhalisa nge-Afterpay ithi ngelixa inkampani ingakuqhubeki ngetshekhi yetyala kuwe, inokuodola ingxelo yakho yetyala kwaye wenze inqaku lokuba uphose iintlawulo.
Ke, ngelixa i-Afterpay ingazuzi ngamanqaku akho, inokutshabalalisa.
Okwangoku, iKhomishini yezoKhuseleko kunye noTyalo-mali lwase-Australia (ASIC) i ukuphonononga thenga ngoku, uhlawule izenzo zamva emva kokuba ingxelo ye-2018 ifumene ukuba iqhinga linokubangela ukuba abanye abathengi babe nokuzinikela ngokugqithiseleyo ngokwemali.
Ingqonyela yeBhanki yeCommonwealth uMat Comyn iphakamise inkxalabo efanayo kwikomiti yepalamente ngoSeptemba 7, besithi iinkampani ezifana ne-Afterpay kufuneka zithathele ingqalelo ngokupheleleyo [umthengi] amandla okuhlawula, ngokuchasene nokwamkela nje ukuthenga kwabo ngoku, ukuhlawula isicelo kamva kwixabiso layo lobuso kuba kunokudala iitoni zemiba nge amanqaku etyala abantu.
Kodwa i-Afterpay igxininisa ukuba abathengi bayo abafuni ukhuseleko lwasemthethweni kunye nokuba inkampani inokuzilawula ngokwayo naziphi na iingxaki. Umsebenzisi weReddit uhlomle kwingxelo yenkampani ngokuthi: Imbali isibonisile ngokuphindaphindiweyo, ukuba kwihlabathi eliqhutywa yinzuzo, ukuzilawula akusebenzi.
Silawula amakhadi okuthenga ngetyala. Siyilawula imali-mboleko. Silawula ababolekisi ngemali. Kwahluke njani oku? omnye umsebenzisi weReddit iposwe . La mashishini anomngcipheko omkhulu wokuba yingxaki. Yeyiphi le nto yomlingo ekucingelwa ukuba banayo ebathintelayo ekubeni babe neengxaki ezifanayo zezinye iimali-mboleko ezingalawulwayo ezinazo?
Iziphumo zangaphambili ze-ASIC ufumanise ukuba umntu omnye kwabathandathu uthenge ngoku, ahlawule kamva abasebenzisi baye batsala ngaphezulu kwee-akhawunti zabo zebhanki, balibazise ezinye iintlawulo zetyala okanye baboleke imali yokuhlawula izavenge kwaye baphephe intlawulo kade.
Ikamva le-Afterpay aliqinisekanga, nalo. Kunye nabakhuphisana njengabaseSweden Klarna Ukuvela, iinkampani zefintech kufuneka zijonge iindlela zokuhlala phambi kokhuphiswano.
Njengoko ezi nkampani zikhula ngokuthandwa, kufanelekile ukwazi ukuba zikhona iindlela ezikhuselekileyo ukusebenzisa i-Afterpay. Abathengi kufuneka bamise iakhawunti yabo ngekhadi lebhanki ( hayi ikhadi letyala) kwaye usete izikhumbuzi zentlawulo ukunqanda nayiphi na imirhumo kade ngempazamo.
Ukonwabele ukufunda eli nqaku? Funda malunga noogqirha besikhumba abanobunzima kwi-Gen Z's obsession kunye ne-TikTok enesitayile yokhathalelo lwesikhumba
Okungakumbi okuvela kwi-In The Know:
Kukho indlu entsha yeTikTok edolophini kwaye yeyona imbi kakhulu
I-Pluto Pillow iya kukwakhela umqamelo owenziwe ngumntu ngokusekwe kwindawo yakho yokulala
Intengiso ye-Ugg Closet iqale ngokusemthethweni ngokubeka phantsi ukuya kuthi ga kwi-60 yepesenti
Umzi-mveliso weGap unezaphulelo ezikhulu ezinesitayile esisezantsi njenge-6 yeedola
