Block yakoresheje $ 68M mu kirori kimwe muri Nzeri 2025

Iyo Ishyaka rimwe ritwaye amafaranga arenze ibigo byinshi byinjiza mumyaka icumi

Muri Nzeri 2025, Block - igihangange cya fintech inyuma ya Square, Cash App, na Afterpay - bivugwa ko yakoresheje miliyoni 68 z'amadolari y'Amerika mu gikorwa kimwe. Kugira ngo dushyireho iyo mibare, amafaranga yinjiza buri mwaka ku bucuruzi buciriritse muri Amerika agera ku $ 44,000. Ibyo bivuze ko ikibazo cya Block cyijoro kimwe cyatwaye amafaranga arenze ayo 1.500 imishinga mito yinjiza mumwaka wose hamwe. Mugihe mega-corporations zifite impapuro ziringaniza kugirango zishiremo gukabya, inkuru itera ikibazo gikomeye cyane kubindi bihugu byubucuruzi: ukurikirana neza aho amafaranga yawe aja?

Ikibazo Cyiyongera Cyakoreshejwe Kutagenzura Amafaranga

Guhagarika ntabwo byonyine mubyifuzo byayo byo gukoresha ibigo byinshi. Amasosiyete yikoranabuhanga hamwe n’amasosiyete akomeye yakoresheje kuva kera ibyabaye, umwiherero, n’amashyaka nkibikoresho byubaka umuco - kandi ingengo yimari yarashize. Inama ya Dreamforce ya Salesforce bivugwa ko itwara miliyoni zisaga 80 z'amadorali buri mwaka. Ibikorwa bya Google muri rusange byabayeho kuva miriyoni mirongo. Ndetse n'amasosiyete yo hagati arahora akoresha $ 500,000 kugeza kuri miliyoni 2 mumateraniro yumwaka nta buryo bunoze bwo gupima inyungu ku ishoramari.

Ikibazo ntabwo byanze bikunze ko ibigo bikoresha amafaranga mubikorwa. Ikipe ya morale, imiyoboro, hamwe nibiranga kugaragara byose bifite agaciro nyako. Ikibazo nyacyo kigaragara mugihe amafaranga akoreshejwe atagenzuwe neza, ingengo yimari ikorera mu mucyo, cyangwa uburyo ubwo aribwo bwose bwo gusuzuma niba amafaranga yakoreshejwe yimuye urushinge ku musaruro w’ubucuruzi. Ubushakashatsi bwakozwe na 2024 Deloitte bwerekanye ko 61% bya CFOs bemeye ko amashyirahamwe yabo adafite igihe nyacyo mu byiciro byo gukoresha mu bushake nk'ibyabaye, ingendo, n'imyidagaduro.

Kubucuruzi bugenda butera imbere budafite miliyari 22 zamadorali yinjiza buri mwaka kugirango agabanuke, ndetse n’amadorari 10,000 yakoreshejwe mu gikorwa cy’isosiyete arashobora guhungabanya amafaranga no guta igihembwe. Itandukaniro riri hagati yamasosiyete apima ku buryo burambye n’ayatwitse binyuze mu mari shoramari akenshi biza ku kintu kimwe: disipuline yimari kuri buri rwego.

Icyo Miliyoni 68 Zigura Mubyukuri - nicyo Igura

Reka dusenye ibyo miliyoni 68 zamadorali yishyaka rishobora kuba ririmo. Raporo n'ibipimo ngenderwaho byerekana ibyabaye kuri uru rwego mubisanzwe bikubiyemo gukodesha ahantu hihariye (tekereza ku birwa byigenga, resitora zihenze, cyangwa ibigo byabereyemo amahuriro), umutwe wibikorwa bya muzika utegeka miliyoni 3-10 zamadorali kuri buri gitaramo, ibicuruzwa byubatswe na stade, ingendo mpuzamahanga n’amacumbi meza ku bakozi ibihumbi, no kugaburira abatetsi b'ibyamamare. Buri murongo wumurongo, ureba mubwigunge, birasa nkigiciro cyumvikana cyibigo. Bishyizwe hamwe, bashiraho amafaranga yo gukoresha yatuma abagenzuzi b'imari benshi batakaza ibitotsi.

Ariko ikiguzi nyacyo kirenze inyemezabuguzi yose. Iyo isosiyete icururizwa kumugaragaro nka Block igenera miliyoni 68 z'amadolari ishyaka rimwe, abanyamigabane, abasesengura, n'abakozi bose barabyitondera. Block yari imaze kwirukanwa cyane mu 2024, igabanya abakozi bayo ku bakozi bagera ku 1.000. Amahitamo yo gukoresha ibirori byinshi byo kwizihiza nyuma yo kugabanuka kwumutwe bitera icyuho cyizere kitoroshye gusana kuruta impapuro zose zabuze. Kubayobozi bashoramari mubigo byubunini, isomo rirasobanutse: amafaranga yose yakoreshejwe yohereza ubutumwa mumakipe yawe kubyo ushyira imbere.

5 Igenzura ryimari Buri bucuruzi bugomba kugira umwanya

Waba ukora ikigo cyabantu 10 cyangwa ikigo cyabakozi 10,000, amahame yo gucunga imari ashinzwe akomeza kuba umwe. Igipimo kirahinduka, ariko indero ntigomba. Hano hari igenzura ritandukanya ubucuruzi bwihanganira imari nubukungu buhora bwokuzimya umuriro amafaranga.

1. Igihe nyacyo cyo gukurikirana no gushyira mu byiciro - Buri dorari ryakoreshejwe rigomba kwandikwa, gushyirwa mu byiciro, no kugaragara ku bafata ibyemezo mu masaha 24. Urupapuro rwerekana urupapuro rukurikirana rutanga ibibanza bihumye bikura nini na buri gikorwa.
2. Kwemeza urujya n'uruza rw'imikoreshereze y'amafaranga - Nta muntu n'umwe ugomba kugira ububasha butagenzuwe bwo kwemeza amafaranga yakoreshejwe hejuru y’urugero rwasobanuwe. Inzira zinyuranye zo kwemeza zitera kubazwa utarinze gukora bureaucratique.
Ibinyuranyo 10% byashyizwe ahagaragara icyumweru cya kabiri birashobora gucungwa; hejuru ya 40% yavumbuwe mukwezi kwa gatatu ntabwo.
• Niba udashobora kuvuga uko intsinzi isa mbere yo gukoresha amafaranga, urimo gukina urusimbi, ntabwo ushora imari.
• Guhuriza hamwe ntabwo ari ibintu byiza - birakenewe.

Ibigo birinda gutungurwa kwamafaranga ntabwo aribyo bikoresha amafaranga make - nibyo bibona amadorari yose agenda, mugihe nyacyo, muri buri shami nicyiciro.

Kuki ibikoresho byacitsemo ibice bikora ahantu hanini h'impumyi

Imwe mumpamvu zikunze kugaragara ubucuruzi butakaza kugenzura amafaranga ni ugucamo ibikoresho. Ugereranije ubucuruzi buciriritse-buciriritse bukoresha hagati ya 12 na 25 zitandukanye za SaaS zo gucunga ibikorwa - kimwe cyo gutanga inyemezabuguzi, ikindi cyo guhemba umushahara, icya gatatu cyo gucunga imishinga, icya kane kuri CRM, n'ibindi. Buri gikoresho gitanga amakuru yacyo silo, kandi guhuza amakuru hirya no hino muri silos bisaba imbaraga zintoki amakipe menshi adafite umurongo wa.

Reba urunigi rwibintu biganisha ku ngengo yimari ikabije muri sosiyete isanzwe. Itsinda ryamamaza ryandika ikibanza binyuze kumurongo umwe. Inyemezabuguzi zitangwa zinyuze kuri konti zishyurwa kuri sisitemu itandukanye. Ingendo zingendo kubitabiriye ziranyanyagiye kuri raporo yimikoreshereze yatanzwe nyuma yicyumweru. Mugihe itsinda ryimari riteranije ishusho yuzuye, amafaranga arakoreshwa igihe kirekire kandi ibyangiritse birarangiye. Ibi ntabwo ari hypothettike - raporo ya Gartner yo mu 2025 yasanze 47% by'amasosiyete yo hagati yo hagati yavumbuye amafaranga arenze ingengo yimari yigihembwe gusa.

Iyi niyo mpamvu rwose urubuga nka Mewayz rwagiye rwiyongera mubucuruzi bushaka gushimangira ibikorwa byabo. Hamwe na 207 ihuriweho hamwe ikubiyemo inyemezabuguzi, gucunga amafaranga, CRM, umushahara, HR, hamwe nisesengura, Mewayz ikuraho silos yamakuru yemerera gukoresha amafaranga atagenzuwe. Iyo inyemezabuguzi yawe, imibare yimishahara, ningengo yimishinga yumushinga byose bibaho muri ecosystem imwe, gutahura ibintu bibaho mu buryo bwikora - ntabwo amezi atatu nyuma yukuri.

Kubaka umuco wo gukorera mu mucyo

Ikoranabuhanga ryonyine ntirishobora gukemura amafaranga arenze - umuco urakora. Amashyirahamwe afite imyitwarire yubukungu asangiye imico imwe: gukorera mu mucyo byinjijwe mubikorwa byabo. Umuntu wese kuva ku bayobozi b'amashami kugeza ku baterankunga ku giti cye basobanukiwe intego z’imari y’isosiyete, azi uburyo amafaranga y’ikipe yabo agira uruhare runini ku ishusho nini, kandi akumva afite uburenganzira ku ngengo y’imari.

Buffer, isosiyete icunga imbuga nkoranyambaga, izwi cyane gutangaza amakuru y’imari yose ku mugaragaro - harimo umushahara ku giti cye, imibare yinjira, n’ibiciro byo gukora. Mugihe ibigo byinshi bitazajya kurenza urugero, ihame rirakomeye. Iyo amakipe agaragara mubikorwa byubukungu, afata ibyemezo byiza byo gukoresha bisanzwe. Umuyobozi ushinzwe kwamamaza ushobora kubona ko isosiyete ikurikirana 15% munsi yintego zinjira muri iki gihembwe azatekereza kabiri mbere yo kwemeza inkunga 50.000 $ ishobora gutegereza kugeza Q2.

Gushyira mubikorwa ubu mucyo ntibisaba impinduramatwara yumuco. Itangirana nibisangano bisangiwe, ivugurura ryimari risanzwe mumanama yitsinda, hamwe nibikoresho bituma amakuru yingengo yimari agera kubantu badafite imari. Ihuriro rihuza amakuru yubucuruzi - kuva kumurongo wa CRM kugeza kuri fagitire zidasanzwe kugeza ku nshingano z’imishahara - biha abayobozi icyerekezo rusange bakeneye gufata ibyemezo byuzuye no kumenyekanisha ukuri kwimari mumakipe yabo badasaba buri wese kuba umucungamari.

ROI yo Kuvuga "Ntabwo ari ubu"

Hariho ubuhanga budashidikanywaho mubuyobozi bwubucuruzi: ubushobozi bwo kuvuga "ntabwo arubu" kumafaranga yakoreshejwe. Ibi ntibisobanura kuba bihendutse cyangwa kwanga gushora mumakipe yawe nibirango. Bisobanura kugira amakuru, sisitemu, na disipuline kugirango tumenye niba iki gihe cyihariye aricyo gihe gikwiye cyo gushora imari. Block ishobora kugura amadolari miliyoni 68 $ nimibare. Ariko uwo murwa mukuru washoboraga gukoreshwa muburyo butandukanye - mugutezimbere ibicuruzwa, ibihembo byo kugumana abakozi kubarokotse birukanwe, cyangwa kugura ingamba?

Kubucuruzi buciriritse na buciriritse, imigabane yiki cyemezo irarenze. Umwiherero wamadorari 20.000 wunvikana ugereranije na Block's bash, ariko kubucuruzi bwinjiza $ 500,000 yinjiza buri mwaka, ibyo bikaba bingana na 4% byinjiza kumurongo. Ubushobozi bwo kwerekana ibintu bitandukanye byakoreshejwe - bigenda gute kumafaranga niba dukora iki gikorwa ubu nigihembwe gitaha, ni izihe ngaruka kumuhanda wacu - bitandukanya ubucuruzi butera imbere nibitsitara kuva kumafaranga umwe kugeza kurindi.

Aha niho kugira sisitemu yubucuruzi ihuriweho hamwe yishura inshuro nyinshi hejuru. Mugihe ushobora kubona umuyoboro wawe wa fagitire, inshingano zumushahara uteganijwe, amafaranga akoreshwa muri iki gihe, hamwe n’iteganyagihe ryinjira mu buryo bumwe, ikibazo cya "dushobora kugura iki gihe?" ihinduka kuva munda ibyiyumvo mubyemezo biterwa namakuru. Ibikoresho nkibisesengura bya Mewayz hamwe nuburyo bwimari biha ba nyiri ubucuruzi ubwo bushobozi nyabwo - imbaraga zo gufata ibyemezo byo gukoresha byizewe bishingiye kumibare nyayo, ntabwo ari ibitekerezo byiza.

Koresha nkana, Gukura Birambye

Guhagarika ibirori bya miliyoni 68 zamadorali bizashira mumutwe, kandi isosiyete izakomeza gukora nkimbaraga za fintech. Ariko inkuru ikora nk'indorerwamo kuri buri muyobozi wubucuruzi ufite ubushake bwo kureba mubyukuri ibikorwa byabo bwite. Ntugomba kwandika igenzura ryimibare umunani kugirango isomo rishyirwe mubikorwa. Buri dorari riva mu bucuruzi bwawe nta ntego isobanutse, ibisubizo byapimwe, hamwe no kwemeza mu mucyo ni idorari ryashoboraga kwiyongera ku iterambere rirambye.

Ubucuruzi buziganje mu myaka icumi iri imbere ntabwo byanze bikunze aribwo bukoresha byinshi - ni bwo bubona byinshi. Kugaragara mubikorwa byose byubukungu, buri murongo wingengo yimari, itandukaniro kuva gahunda. Ibyo kugaragara ntabwo biva mu gushaka abacungamari benshi cyangwa kugura impapuro nyinshi. Bituruka muguhuza ibikorwa byawe muri sisitemu yagenewe kwerekana amakuru yingenzi, mugihe ari ngombwa, kubantu babikeneye. Waba uyobora itsinda ryibihumbi bitanu cyangwa bitanu, ihame rikomeza kuba rimwe: gukoresha nkana, gupima ubudacogora, kandi ntuzigere ureka ikintu kimwe kumurongo - nubwo cyaba iminsi mikuru - cyagutunguye.

Ibibazo bikunze kubazwa

Block yakoresheje amafaranga angahe mubirori byabo byo muri Nzeri 2025?

Bivugwa ko Block yakoresheje hafi miliyoni 68 z'amadolari mu gikorwa kimwe cy’amasosiyete muri Nzeri 2025. Iyi mibare itangaje irenze ibyo imishinga mito irenga 1.500 yinjiza mu mwaka wose hamwe, ishingiye ku bucuruzi buciriritse bwo muri Amerika bwinjiza amafaranga agera ku 44.000. Ibirori byakuruye impaka nyinshi kubijyanye no gukoresha ibigo byihutirwa hamwe ninshingano zamafaranga mubikorwa bya fintech.

Kuki ishyaka rya $ 68M rya Block ritavugwaho rumwe kubafite imishinga mito?

Impaka zikomoka ku itandukaniro rikomeye hagati yikigo kirenze nubucuruzi buciriritse. Ba rwiyemezamirimo benshi barwana no gutanga ingengo yoroheje yo kwamamaza no gukora. Mugihe Block yakoresheje miliyoni 68 zamadorali mwijoro rimwe, ubucuruzi buciriritse bushobora guhindura ibikorwa byabwo hamwe nigice gito cyishoramari ukoresheje urubuga ruhendutse nka Mewayz , rutanga amasomo 207 yubucuruzi guhera kuri $ 19 / mo.

Niki Block ifite usibye Square?

Block Inc nisosiyete yababyeyi inyuma yibirango byinshi byingenzi bya fintech harimo Square (sisitemu yo kugurisha), Cash App (kwishura urungano), Afterpay (kugura-ubu-kwishyura-nyuma), na TIDAL (gutambutsa umuziki). Isosiyete yahoze yitwa Square Inc, yongeye kwisubiraho muri Block mu 2021 kugira ngo igaragaze urusobe rw’ibinyabuzima bigenda byiyongera ku bicuruzwa na tekinoloji y’imari na serivisi birenze gutunganya ubwishyu.

Nigute imishinga mito ishobora guhatana idafite ingengo yimishinga nini?

Ubucuruzi buciriritse burashobora kuringaniza ikibuga cyo gukinisha hifashishijwe uburyo-bumwe-bumwe buhuza ibikoresho bihenze mubisubizo bihendutse. Aho gukoresha amamiriyoni muri software yacitsemo ibice, ba rwiyemezamirimo barashobora gukoresha urubuga nka Mewayz - OS 207-module y'ubucuruzi OS ikubiyemo CRM, inyemezabuguzi, gukoresha imashini, no kwamamaza - guhera kuri gahunda yubuntu iteka ryose, byerekana ko ikoranabuhanga ryubwenge rikoresha amafaranga menshi buri gihe.