Nick Molnar naAnthony Eisen vanga vava kumakore ekuma20 pavakatanga Afterpay muna 2014. Kutanga kwavo yaive app, yakafuridzirwa nepfungwa yekusiya basa - nzira ye mari chinhu chausingakwanise kuwana pakarepo.
Layaways yaiwanzoshoropodzwa nekuti yaiwanzoita kuti vanokwereta vatarise mibairo yakakura, uye Molnar naEisen vaiziva kuti mireniyumu neGen Z vaive neruvengo kumakadhi echikwereti nekuda kutyisidzira kwechikwereti. Ndosaka Afterpay yakapa sarudzo yekubhadhara kutenga mune ina isina mubereko zvirevo.
Kufungidzira kwevatangi kwakaratidza kuve kwechokwadi, uye Afterpay yakawedzera mukurumbira. Zvichakadaro, a Bankrate ongororo kubva muna 2016 vakawana kuti mumwe chete muvakuru vatatu vari pakati pemakore 18 ne29 aiva nekadhi rechikwereti.
Makore maviri mushure mekutangisa, Molnar akakurudzira vateveri veAfterpay kuti vasvike kune vatengesi vavanoda uye vakumbire kuti vatange kushandisa chikuva. Nenguva isipi, matani emabhizinesi muAustralia yese akange ave kuita Afterpay senzira yekutenga. Muna 2018, Molnar akafunga kuwedzera kuenda kuU.S.
Hapana anoda kutora chikwereti kuti atenge dhirezi, Molnar akaudza Forbes mubvunzurudzo ye2018. Pakave nekushanduka kwemashandisiro anoita vanhu mari, uye ndizvo zvatiri kutarisa pakugadzirisa.
Kushambadzira kweAfterpay kwakanangidzirwa kune vadiki mamirioni uye Gen Z - yayo Nezvedu peji ine mapikicha evechidiki vachitora selfies uye vachiseka mafoni avo. Mavara-mavara makuru pane peji yose anotaura zvinhu zvakadai, Kutenga ndikomafaro uye Wekuvimbauyekupa simbavatengesi, vachiita sevanoisa simba mumaoko evatengi. Iyo mutengi-centric, iyo yakaratidza kuve iyo nzira inoshanda nemamireniyumu uye Gen Z.
Webhusaiti yeAfterpay inoshambadzirawo vese vatengesi iyo brand inoshanda navo - yakarongwa nemapoka semitambo, runako, zvinhu zvekumba neshangu. Izvo hazvigone kuve nyore kuwana kana mutengesi wako waunofarira akabatana neAfterpay, uye saiti zvakare inoratidza kana zvimwe zvitoro zviri kutengesa, zvichiita kuti zvinyanye kukwezva kune vatengi kudzvanya.
Credit: Afterpay
Zvinenge zvanyanya kunaka kuti zvisave chokwadi. Asi chii chinoitika kana mumwe munhu akapotsa imwe yezvikamu zvina zvekubhadhara?
In The Know yakataura naEthan Taub, muvambi uye CEO weGoalry, kambani inopa mazano ekuzadzisa zvinangwa zvemari. Taub anotenda kuti makambani akaita seAfterpay ari kutora mukana weiyo stereotype yekuti vatengesi vemireniyumu neGen Z vese ndezvekugutsikana ipapo.
Ini ndinofunga kuti vazhinji vevakweretesi vemazuva ekubhadhara vanotenda kuti vese gen z uye
mamirenials vanosarudza kuve nechinhu chavanoda izvozvi, uye vochibhadhara gare gare, Taub akaudza In The Know. Kana ukasabhadhara nenguva [zvinogona] kuve zvakashata kubuda. Kana ukabhadhara nenguva, chikwereti chako hachizokanganisika, asi kana ukasadaro, panogona kuva nemigumisiro mikuru.
Zvakawanda sei kusabhadhara nenguva? Maererano nemishumo yezvemari yeAfterpay, chikamu chidiki chete chemari yaanowana pagore inobva kumari yekunonoka kubhadhara. Kubva 2016 kusvika 2017, Afterpay yakagadzirwa inenge madhora mamiriyoni makumi maviri nematatu emadhora ekuAustralia ( miriyoni muUSD) mubhadharo kubva kune vatengesi uye imwe madhora 6.1 miriyoni (.4 miriyoni muUSD) mukubhadhara kunononoka.
Afterpay haimhanyi cheki yechikwereti kune vatengi vanosaina kuishandisa, izvo zvingaite sezvakanaka kune vashandisi vane yakaderera kiredhiti, asi zvakare inoratidza kushoma kwakaita kambani kuti ione kana vashandisi vayo vachikwanisa kubhadhara mari.
The kudhindwa kwakanaka paunosaina neAfterpay inotaura kuti nepo kambani isingaite cheki yechikwereti pauri, inogona kuodha repoti yako yechikwereti uye kunyora nyora kuti wakapotsa kubhadhara.
Saka, nepo Afterpay isingabatsire chikwereti chako, inogona kuiparadza.
Parizvino, iyo Australian Securities and Investments Commission (ASIC) iri kuongorora tenga izvozvi, bhadhara gare gare maitiro mushure mekunge 2018 mushumo waona kuti zano rinogona kuita kuti vamwe vatengi vape mari zvakanyanya.
Mukuru weCommonwealth Bank, Matt Comyn yakamutsa kunetseka kwakafanana mukomiti yeparamende munaGunyana 7, vachiti makambani akaita seAfterpay anofanirwa kufunga nezve kugona kwe [mutengi] kubhadhara, kwete kungobvuma kutenga kwavo ikozvino, kubhadhara gare gare chikumbiro pahuso hwayo nekuti inogona kugadzira matani ematambudziko vanhu kiredhiti zvibodzwa.
Asi Afterpay inosimbirira kuti vatengi vayo havadi kuchengetedzwa kwemutemo uye kuti kambani inogona kuzvitonga yega chero matambudziko. Mushandisi weReddit commented pane chirevo chekambani ichiti: Nhoroondo yakatiratidza zvakare uye zvakare uye zvakare, kuti munyika inotungamirirwa nepurofiti, kuzvidzora hakushande.
Isu tinodzora makadhi echikwereti. Isu tinogadzirisa zvikwereti. Isu tinogadzirisa vanokweretesa zuva rekubhadhara. Izvi zvakasiyana sei? mumwe mushandisi weReddit posted . Aya mabhizinesi ane njodzi yakawandisa yekuva nedambudziko. Chii chinonzi mashiripiti chavanoti vanacho chinovadzivirira kubva kune mamwe matambudziko mamwe ane mamwe asina kudzoserwa zvikwereti?
ASIC zvakawanikwa kare vakawana kuti mumwe chete pavatanhatu vanotenga izvozvi, vanobhadhara gare gare vashandisi vanga vatora mari mumaakaundi avo ekubhangi, kunonoka kubhadhara mamwe mabhiri kana kukwereta mari yekubhadhara zvikamu uye kudzivirira kunonoka kuchaja.
Remangwana reAfterpay harina chokwadi, zvakare. Nevakwikwidzi vakaita seSweden-yakavakirwa Klarna kubuda, makambani efintech anofanirwa kufunga nzira dzekugara pamberi pemakwikwi.
Sezvo makambani aya achikwira mukuzivikanwa, zvakakosha kuziva kuti aripo nzira dzakachengeteka kushandisa Afterpay. Vatengi vanofanira kuseta account yavo nekadhi rechikwereti ( kwete kadhi rechikwereti) uye kumisikidza zviyeuchidzo zvekubhadhara kuti udzivise chero netsaona muripo wekunonoka.
Wanakidzwa nekuverenga chinyorwa ichi? Verenga nezve dermatologists kuyera-mukati pamusoro peGen Z's obsession neine fashoni TikTok skincare
Zvimwe kubva In The Know:
Kune imba nyowani yeTikTok mutaundi uye ndiyo yakaipisisa
Pluto Pillow ichakuvakira iwe piro yakasarudzika zvichienderana nenzvimbo yako yekurara
Kutengeswa kweUgg Closet kwatanga zviri pamutemo nemakidowns anosvika makumi matanhatu muzana kubva
Iyo Gap Factory iri kuita zvidzikiso zvakakura zvine masitayera akaderera semadhora matanhatu
