Nick Molnar ndi Anthony Eisen anali kumapeto kwa zaka za m'ma 20 pamene adayambitsa Afterpay mu 2014. Kuyambitsa kwawo kunali pulogalamu, yolimbikitsidwa ndi lingaliro la kutayika - njira yowonetsera. ndalama chinthu chomwe simungakwanitse nthawi yomweyo.
Layaways nthawi zambiri ankanyozedwa chifukwa zimachititsa kuti obwereketsa akumane ndi chiwongola dzanja chochuluka, ndipo Molnar ndi Eisen ankadziwa kuti millennials ndi Gen Z ankadana ndi makhadi chifukwa cha ngongole. kuopseza ngongole. Ichi ndichifukwa chake Afterpay idapereka mwayi wolipira kugula m'mawu anayi opanda chiwongola dzanja.
Lingaliro la oyambitsawo lidakhala lolondola, ndipo Afterpay idakula kwambiri. Panthawiyi, a Kafukufuku wa Bankrate kuyambira 2016 anapeza kuti mmodzi yekha mwa akulu atatu azaka zapakati pa 18 ndi 29 anali ndi khadi la ngongole.
Zaka ziwiri atayambitsa, Molnar adalimbikitsa mafani a Afterpay kuti afikire ogulitsa omwe amawakonda ndikuwapempha kuti ayambe kugwiritsa ntchito nsanja. Posakhalitsa, matani abizinesi ku Australia anali kugwiritsa ntchito Afterpay ngati njira yogulira. Mu 2018, Molnar adaganiza zokulira ku US
Palibe amene akufuna kutenga ngongole kuti agule diresi, adatero Molnar Forbes mu zokambirana za 2018. Pakhala kusintha momwe anthu amagwiritsira ntchito ndalama, ndipo ndizomwe timayang'ana kuthetsa.
Kutsatsa kwa Afterpay kumangoyang'ana zakachikwi ndi Gen Z - zake Zambiri zaife patsamba ili ndi zithunzi za achinyamata akudzijambula ndikuseka mafoni awo . Mawu a zilembo zazikulu patsamba lonse amanena zinthu monga, Kugula ndizosangalatsa ndi Ifekudalirandipatsa mphamvuogula, akuwoneka kuti akuyika mphamvu m'manja mwa ogula. Ndiwogula-centric, zomwe zatsimikiziridwa kuti ndizo njira yothandiza ndi millennials ndi Gen Z.
Webusayiti ya Afterpay imatsatsanso onse ogulitsa omwe mtunduwo umagwira nawo ntchito - opangidwa ndi magulu monga masewera, kukongola, katundu kunyumba ndi nsapato. Sizingakhale zophweka kupeza ngati wogulitsa yemwe mumamukonda adagwirizana ndi Afterpay, ndipo tsambalo likuwonetsanso ngati masitolo ena akugulitsa, zomwe zimapangitsa kuti zikhale zokopa kwambiri kuti ogula adule.
Ngongole: Afterpay
Zikuoneka kuti ndi zabwino kwambiri kuti zisakhale zoona. Koma chimachitika ndi chiyani ngati wina waphonya imodzi mwa magawo anayi amalipiro?
Mu The Know adalankhula ndi Ethan Taub, woyambitsa komanso wamkulu wa Goalry, kampani yomwe imapereka upangiri wokwaniritsa zolinga zachuma. Taub akukhulupirira kuti makampani ngati Afterpay akutenga mwayi pamalingaliro akuti ogula azaka chikwi ndi Gen Z onse ndi okhutitsidwa pompopompo.
Ndikuganiza kuti ambiri mwa obwereketsawa amakhulupilira kuti gen z ndi
millenial amakonda kukhala ndi chinthu chomwe akufuna tsopano, ndikubweza pambuyo pake, Taub adauza In The Know. Ngati simulipira pa nthawi yake [zingakhale] zovuta kutulukamo. Ngati mulipira pa nthawi yake, ngongole yanu sidzakhudzidwa, koma ngati simutero, pangakhale zotsatira zazikulu.
Zochuluka bwanji osalipira pa nthawi yake? Malinga ndi malipoti azachuma a Afterpay, gawo laling'ono chabe la zomwe amapeza pachaka zimachokera kumalipiro ochedwa. Kuyambira 2016 mpaka 2017, Afterpay wapangidwa pafupifupi madola 23 miliyoni aku Australia ($ 16 miliyoni mu USD) m'malipiro ochokera kwa ogulitsa ndi $ 6.1 miliyoni ($ 4.4 miliyoni mu USD) polipira mochedwa.
Afterpay simayang'ana ngongole kwa makasitomala omwe amalembetsa kuti agwiritse ntchito, zomwe zingawoneke ngati zabwino kwa ogwiritsa ntchito omwe ali ndi ngongole zochepa, koma zikuwonetsanso momwe kampaniyo imasamala kuti ngati ogwiritsa ntchito angathe kulipira ndalamazo.
The kusindikiza bwino Mukalembetsa ndi Afterpay akuti ngakhale kampaniyo sidzakuyesani ngongole, imatha kuyitanitsa lipoti lanu langongole ndikulemba kuti mwaphonya.
Chifukwa chake, ngakhale Afterpay sichimapindula ndi ngongole yanu, imatha kuwononga.
Pakadali pano, Australian Securities and Investments Commission (ASIC) ndi kuwunika kugula tsopano, kulipira machitidwe pambuyo pake lipoti la 2018 linapeza kuti njirayo ingapangitse ogula ena kukhala odzipereka kwambiri pazachuma.
Mkulu wa Commonwealth Bank Matt Comyn anadzutsa nkhawa yofananayo mu komiti yanyumba yamalamulo pa Seputembara 7, ponena kuti makampani ngati Afterpay akuyenera kuganizira za kuchuluka kwa [makasitomala] kuti alipire, m'malo mongovomera kugula kwawo tsopano, amalipira pambuyo pake pamtengo wake chifukwa zitha kuyambitsa zovuta zambiri ndi ngongole za anthu.
Koma Afterpay akuumirira kuti makasitomala ake safuna chitetezo chalamulo komanso kuti kampaniyo imatha kudziwongolera yokha pamavuto aliwonse. Wogwiritsa ntchito Reddit adayankha pa mawu a kampaniyo ponena kuti: Mbiri yatisonyeza mobwerezabwereza, kuti m’dziko losonkhezeredwa ndi phindu, kudzilamulira sikumagwira ntchito.
Timawongolera makhadi. Timayendetsa ngongole. Timawongolera obwereketsa tsiku lolipira. Kodi izi zikusiyana bwanji? wogwiritsa wina wa Reddit zatumizidwa . Mabizinesi awa ali ndi chiwopsezo chofanana chokhala ndi zovuta. Ndi chiyani chomwe akuganiza kuti ali nacho chomwe chimawalepheretsa kukhala ndi mavuto omwewo omwe amabwereketsa osayendetsedwa ndi malamulo?
Zotsatira zaposachedwa za ASIC adapeza kuti m'modzi mwa asanu ndi mmodzi amagula tsopano, omwe amalipira pambuyo pake adabweza maakaunti awo aku banki, kuchedwetsa kulipira zina kapena kubwereka ndalama kuti alipire pang'onopang'ono ndikupewa kulipira mochedwa.
Tsogolo la Afterpay silikudziwikanso. Ndi opikisana nawo ngati aku Sweden Klarna zikuwonekera, makampani a fintech amayenera kupeza njira zopitira patsogolo mpikisano.
Pamene makampaniwa akuchulukirachulukira, ndikofunikira kudziwa kuti alipo njira zotetezeka kugwiritsa ntchito Afterpay. Makasitomala ayenera kukhazikitsa akaunti yawo ndi kirediti kadi ( ayi kirediti kadi) ndikukhazikitsa zikumbutso zolipira kuti mupewe chindapusa chilichonse mwangozi.
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