Amathiphu angu-5 Empumelelo Ekuqhubeni Ibhizinisi le-Fintech

Ibhizinisi le-fintech manje seliwuhlobo lwebhizinisi oluthuthuke kakhulu e-Indonesia. Izinhlobo zezinsizakalo ezinikezwayo zisukela ezinkokhelweni okungezona zemali, ukuboleka kontanga, ukuhlinzeka ngolwazi lwezezimali (i-aggregator), kuya ekutshalweni kwezimali kanye nomshwalense. Leli qiniso likhombisa ukuthi izinga lokuncintisana embonini yezezimali liya ngokuya liqina.

Ukuwina umncintiswano emkhakheni wezezimali akulula, kodwa ungenza ibhizinisi lakho libe nesinyathelo esisodwa uma usebenzisa isu elifanele lebhizinisi. Umshwalense Wezimoto ulapha ukuze uphendule zonke izinkathazo zakho ekuphatheni ibhizinisi lakho le-fintech, ukuhlinzeka ngokunethezeka kanye nesu elifanele lebhizinisi ngesofthiwe yezezimali ye-ERP evela ku-Car Insurance. Okulandelayo amanye amathiphu empumelelo yebhizinisi le-fintech ongayenza.

1. Gxila Kusevisi Yekhasimende

Elinye lamaphutha ajwayelekile enziwa osomabhizinisi bebhizinisi be-fintech, ikakhulukazi labo abasaqala, ukugxila kakhulu ekwandiseni imali engenayo. Lokhu kuvunywe ngu-Akshay Garg, umsunguli we-Kredivo, okungelinye lamabhizinisi aziwa kakhulu e-fintech e-Indonesia. Ngokusho kwakhe, njengamanje izinkampani eziningi zigxile kakhulu ekwandiseni inzuzo, kodwa zikhohlwe yinkonzo yamakhasimende. Eqinisweni, isevisi yamakhasimende ibalulekile ukuthuthukisa ukuze uthole ukwethenjwa komphakathi ebhizinisini lakho.

Uma ibhizinisi lakho lithenjwa umphakathi, ukuthola abatshalizimali akumele kube nzima. Okungenani yilokhu okwenzekile ku-Modalku, iphayona lezinsizakalo zokuboleka kontanga kuya kontanga esekelwe kubuchwepheshe bezezimali e-Indonesia. Inkonzo yamakhasimende enhle ehambisana nokuvuleleka emphakathini yenze ibhizinisi le-fintech lathembeka kakhulu kubasebenzisi nabatshalizimali.

2. Yakha Isiko Lokusebenza Elihle Ebhizinisini Lakho le-Fintech

Impumelelo yebhizinisi le-Fintech ayikwazi ukufezwa ngaphandle kwendima yabantu abasebenza kuyo. Ngakho-ke, kubaluleke kakhulu ukwakha nokugcina isiko elihle lomsebenzi.

Ayikho incazelo efanelekile yokuthi isiko elihle lomsebenzi libukeka kanjani, kodwa izinkampani ezinaso zinalezi zimpawu ezilandelayo:

Indawo yokusebenza ekhiqizayo
Izinga lokucindezeleka eliphansi
Ukuxhumana okusobala
Ukwaneliseka okuphezulu kwabasebenzi
Inani elincane labasebenzi
Kukhona indawo yokuqhubeka nokukhula kubasebenzi

Ukucindezela endaweni yokusebenza kungase kungenakugwenywa, kodwa kungenzeka ukukunciphisa. Inzuzo ephezulu yabasebenzi kanye nokwehla kokukhiqiza kuzodala izithiyo eziningi emisebenzini ehlukahlukene yebhizinisi. Ngakho-ke, kubalulekile ukuthuthukisa ukuphathwa kwakho kwe-HR.

Qiniseka ukuthi uhlala ukhokha amaholo nezinzuzo ngesikhathi, cela abasebenzi bakho ukuthi bagcwalise izinhlolovo zokwaneliseka, babuyekeze impumelelo yabo, futhi bahlaziye futhi basize ukuthuthukisa ukusebenza kwabo. Ukwenza kube lula kuwe ukuthi uqinisekise ukuthi zonke lezi zinqubo zihamba kahle, kufanele usebenzise uhlelo lwe-HRM oluphakathi nendawo olungenza izindaba eziyinkimbinkimbi ze-HR zibe lula kuyo yonke inkampani.

3. Thola Ozakwethu Abathembekile & Abatshalizimali Bebhizinisi Lakho le-Fintech

Uzoqhudelana namanye amabhizinisi amaningi e-fintech anemali eningi, ngakho-ke kubalulekile kuwe ukuthi uthole ozakwethu abathembekile nabatshalizimali kwinqubo yokuqala. Lesi kungase kube yisigaba esinzima kakhulu kuwe ukuba usenze, kodwa kufanele ubekezele futhi ukhethe.

Ongase ube ozakwethu nabatshalizimali kufanele babe nemibono nothando olufana nolwakho, ukuze inqubo yokusabalalisa amasheya ihambe kahle. Khetha umthombo wezimali ofanele izidingo zakho. Amafemu emali eyinhloko angahlinzeka ngemali enkulu ngokufaka amasu, kodwa ngokuvamile afuna ukuzibandakanya ezinqumweni ezibalulekile. Abatshalizimali abazimele abaphazamisi kangako, kodwa ngokuvamile banemithombo yemali elinganiselwe.

4. Qinisekisa Ukugeleza Kwemali Okubushelelezi

Awudingi nje ukuvikela imali yakho ekuqaleni, kodwa nalapho ibhizinisi lakho lisebenza. Ukusekela ibhizinisi lakho ukuze liqhubeke akwanele, udinga futhi ukuqinisekisa ukuthi ibhizinisi lakho linenzuzo.

Yazi kahle ukuthi kubizani ibhizinisi lakho ukuhlinzeka ngemalimboleko kumakhasimende akho nokuthi uhola malini ngesikhathi esithile (isibonelo inyanga noma unyaka). Vele uqiniseke ukuthi awuchithi ngokweqile kulokho okutholayo. Ngakho-ke, kubalulekile ukuphatha izindleko futhi uhlole izikweletu zamakhasimende njalo.

Izicelo zezimali zebhizinisi ezifana ne-ERP fintech ezivela ku-Car Insurance zingakusiza ukuphatha izimali zebhizinisi kangcono. Le softhiwe yenza kube lula kuwe ukuphatha izindleko nokwaba amabhajethi, hlola ama-akhawunti akhokhwayo nakwamukelekayo, ukulinganisa imali engenayo, nokubala inzuzo nokulahlekelwa futhi uthole imithombo yawo. Leli thuluzi futhi lenza kube lula kubasebenzi bezezimali ukuthi balandelele noma imaphi ama-invoyisi okumele akhokhwe, ngakho azisekho izinkokhelo zama-invoyisi sekwephuzile. Umphumela, ukuhamba kwemali kwebhizinisi okunempilo.

5. Ukutshalwa kwezimali kwezobuchwepheshe obusekela i-Fintech Business

Inani lamabhizinisi e-fintech e-Indonesia liyakhula. Ngamunye wabo unomnikelo oyingqayizivele futhi okhangayo kumakhasimende. Kufanele ukhulise inzuzo yakho yokuncintisana uma ufuna ukunqoba umncintiswano kuleli bhizinisi lobuchwepheshe bezezimali.

Enye yezindlela ezihlakaniphe kakhulu zokukhulisa inzuzo yokuncintisana ebhizinisini le-fintech ukutshala imali ezinhlelweni ezizenzakalelayo zebhizinisi njenge-ERP. Izinhlelo ze-ERP zikusiza ukuthi uthole ulwazi olubanzi ngebhizinisi lakho, ezihlanganisa yonke into kusukela ku-accounting, i-HR, izinsizakalo zokwesekwa kwamakhasimende, ukuya ekuphathweni kwempahla nokuphathwa kwenkontileka.

Umshwalense Wezimoto ulapha ukuze unikeze izixazululo ezinkingeni zakho ngokwenza iningi lezinqubo zebhizinisi lakho, ukusebenza kahle kanye nokukhiqiza kunganyuswa, kuyilapho izindleko zokusebenza zingehliswa kakhulu. Imibiko yokuhlaziya ephelele nenembile izokusiza wenze izinqumo ezingcono zebhizinisi. Futhi ungagxila kakhulu ekusunguleni ukuze unikeze isevisi engcono kumakhasimende anesofthiwe ye-ERP.

Isiphetho

Ibhizinisi le-fintech Ibhizinisi le-Fintech linezinga eliqinile lokuncintisana. Kodwa-ke, ungenza ibhizinisi lakho le-fintech libe phambili kakhulu uma usebenzisa isu lebhizinisi elilungile.