Inkampani kaJack Dorsey ye-fintech Block ibeka phansi izinkulungwane, icaphuna izinzuzo ezivela ku-AI

I-Vimba's 4,000 Ukudilizwa Ibonisa Indawo Yokushintsha Kuwo Wonke Amabhizinisi

Ngesikhathi u-Jack Dorsey ememezela ukuthi i-Block - inkampani engumzali ye-Square and Cash App - izonciphisa abasebenzi abangaphezu kuka-4,000 kubasebenzi bayo abangu-10,000, imakethe ayizange inyakaze. Kwajabula. Amasheya akhule ngaphezu kuka-20% ekuhwebeni kwemakethe, okuvuza lokho u-Dorsey akuzimele hhayi njengokuhlehla kodwa njengokuhlela kabusha. Incwadi yakhe eya kubanikazi bamasheya yayingaqondile: "Amathuluzi ezobunhloli ashintshile okushiwo ukwakha nokuphatha inkampani." Ngokokuqala ngqa, i-CEO enkulu ibinganyakazi engxoxweni ye-AI. Uyibize ngokuqondile njengembangela yokuhlela kabusha yonke inhlangano. Umbuzo okufanele wonke umnikazi webhizinisi awubuze njengamanje akukhona ukuthi lolu shintsho luzofika yini kubo — ukuthi ngabe basalela emuva yini.

Kungani i-Wall Street Iklomelise Ukudilizwa Kwabantu Kwabaningi

Uma ubheka phezulu, ukunciphisa u-40% wabasebenzi bakho kuzwakala njengenkampani esenkingeni. Kodwa inzuzo enkulu yekota yesine yeBlock yehle ngo-24% unyaka nonyaka ngaphambi kwesimemezelo. Lokhu bekungelona isignali yokucindezeleka - bekuyi-pivot yamasu. Abatshalizimali bahumushe lesi sinyathelo njengenkampani eqondanisa ukwakheka kwayo kwezindleko nalokho okudingwa amathuluzi esimanje e-AI: bambalwa abantu abenza umsebenzi onomthelela omkhulu. Amasheya akhuphuke esuka ku-$54.53 aya cishe ku-$69 ekuhwebeni kwangemva kwamahora, kwengeza izigidigidi zemali ezimakethe ngobusuku obubodwa.

Ingqondo yezezimali iqondile. Lapho amasistimu e-AI engakwazi ukuphatha umzila wesevisi yamakhasimende, ukuhlaziywa kwephethini yokutholwa kokukhwabanisa, ukubuyisana kokwenziwe, kanye nezingxenye zokuthuthukiswa kwesofthiwe, izibalo zokubala zishintsha unomphela. U-Block ubike ukuthi amathuluzi angaphakathi e-AI asevele ephethe imisebenzi ebidinga amaqembu azinikele ngaphambilini. UStephen Innes we-SPI Asset Management waphawula ukuthi ukubeka izinto obala kweBlock kwakuyindaba yangempela: "Abanye abaqashi abakhulu bamemezele amashumi ezinkulungwane zokuncishiswa ezinyangeni ezisanda kwedlula. Abanye baye balulaza isixhumanisi se-AI. I-block ayizange."

Lokhu kukhuluma kubalulekile ngoba kubeka isibonelo. Izinkampani kuzo zonke izimboni - ukusuka e-UPS kuya e-Amazon kuya ezinhlanganweni zabezindaba ezifana neWashington Post - bezinciphisa abasebenzi ezinyangeni ezisanda kwedlula. Ukusikeka okuningi kudalwe "ukuhlelwa kabusha" noma "izimo zemakethe." Ukwethembeka kukaBlock mayelana neqhaza le-AI kuphoqa yonke inkampani, okuhlanganisa namabhizinisi amancane naphakathi nendawo, ukuthi ibhekane neqiniso elifanayo.

Isifundo Sangempela Asikona Ngokudilizwa — Simayelana Nokuzuza

Impikiswano eyinhloko ka-Dorsey idinga ukuhlolisiswa: "Ithimba elincane kakhulu, lisebenzisa amathuluzi esiwakhayo, lingenza okwengeziwe futhi likwenze kangcono." Lesi akusona isitatimende esimayelana nokuqeda abasebenzi ukuze bathole inzuzo. Kuyisitatimende esimayelana nesilinganiso sokusebenza - umbono wokuthi amathuluzi alungile angaphindaphinda okukhiphayo kwawo wonke amalungu eqembu asele. Enkampanini ecubungula izigidigidi ezinkokhelweni zamaselula kulo lonke elase-United States, e-Canada, e-Europe, e-Australia, nase-Japan, leso silinganiso sihumusha ngokuqondile isivinini, ukunemba, kanye nenzuzo yokuncintisana.

Amabhizinisi amancane naphakathi nendawo ngokuvamile athatha ngokuthi le ngxoxo ayisebenzi kuwo. Abanabasebenzi abangu-10,000 okumele bagawule. Kodwa isimiso sinciphisa ngokuphelele. I-ejensi yabantu abahlanu eyamukela i-CRM enamandla e-AI, ama-invoyisi azenzakalelayo, nokuhlela okuhlakaniphile ayidingi ukuqasha umuntu wesithupha ukuze ikhule ngo-30%. Umeluleki oyedwa owenza ngokuzenzakalela ukugibela kwekhasimende, ukuqoqwa kwenkokhelo, nokulandelana kokulandelela uphinda afune amahora angu-15 kuya kwangu-20 ngeviki. Inzuzo ayikona ukuba nabantu abambalwa - imayelana nomuntu ngamunye ukufeza lokho obekudinga abathathu ngaphambilini.

Izinkampani ezithuthukayo kule minyaka eyishumi ezayo ngeke kube yilezo ezinamaqembu amakhulu. Azoba yilawo lapho ilungu ngalinye leqembu liqiniswa khona amasistimu ahlakaniphile aphatha okuphindaphindayo, okujwayelekile, nokubikezelwayo — okukhulula abantu ukuthi benze umsebenzi onyakazisa inaliti.

Yini I-Block Eye Yalungile (nokuthi Yikuphi Okungalungile Amabhizinisi amaningi)

Indlela kaBlock yembula iphethini ehlukanisa izinkampani ezisebenzisa ngempumelelo i-AI kulezo ezikhubekayo. Isiqhwaga se-fintech asizange sibophe i-AI ekugelezeni komsebenzi okukhona futhi sinethemba lokonga. Ngokuyisisekelo icabange kabusha ukuthi yimiphi imisebenzi edinga ukwahlulela komuntu nokuthi yikuphi okungazenzakalela ngokuphelele. Lowo mehluko ubalulekile. Amabhizinisi amaningi enza iphutha lokuphatha i-AI njengesengezo esikhundleni sesizathu sokuhlela kabusha ukuthi umsebenzi uhamba kanjani enhlanganweni.

Cabangela isitaki esivamile sobuchwepheshe bebhizinisi elincane: ithuluzi elilodwa lama-invoyisi, elinye ele-CRM, inkundla ehlukile yokushejula, kanti enye ngeyokukhokha, futhi mhlawumbe isipredishithi esihlanganisa yonke into nge-digital duct tape. Ithuluzi ngalinye lisebenza lodwa. Ngayinye idinga ukufakwa kwedatha mathupha, ukushintsha umongo, kanye nokwengamela komuntu ukugcina amasistimu evumelanisiwe. I-AI ayikulungisi lokhu kuhlukana - iyakuveza. Uma wenza ngokuzenzakalelayo ucezu olulodwa lokugeleza komsebenzi eliphukile, umane uveze ibhodlela esiqeshini esilandelayo.

Yingakho izinkundla ezifana ne-Mewayz zithole ukuthandwa phakathi kwamabhizinisi afuna ukuhlanganisa imisebenzi. Kunokuba ihlanganise inqwaba yamathuluzi anqanyuliwe, i-Mewayz ihlinzeka nge-OS yebhizinisi ehlanganisiwe enamamojula ahlanganisiwe angaphezu kuka-207 - i-CRM, ama-invoyisi, ukukhokhelwa, i-HR, ukuphathwa kwemikhumbi, izibalo, ukubhukha, nokunye - bonke babelana ngesendlalelo sedatha esifanayo. Lapho i-AI isetshenziswa ngokuzenzakalelayo endaweni yonkana ehlanganisiwe, inhlanganisela yezinzuzo. I-invoyisi ekhiqizwe ngokusebenzisana kwe-CRM ebuyekeza ngokuzenzakalelayo ukuqagela kokugeleza kwemali futhi icuphe ukulandelana kokulandelela ayisheshi nje kuphela — isusa zonke izigaba zamaphutha nokwengamela komuntu.

Izindlela Ezinhlanu I-AI Ilungisa Kabusha Ukusebenza Kwebhizinisi Njengamanje

Ukuhlelwa kabusha kwe-Block kuyisibonelo esibamba isihloko, kodwa ukuguqulwa kwe-AI kwenzeka kuzo zonke izendlalelo zokusebenza zebhizinisi lesimanje. Nazi izindawo lapho umthelela usheshayo futhi ulinganiseka:

• Ukuxhumana kwamakhasimende nokusekelwa: Ama-chatbot namasistimu omzila anamandla e-AI manje axazulula u-60-70% wemibuzo evamile ngaphandle kokungenelela komuntu, okuvumela amaqembu osekelo ukuthi agxile ekusebenzelaneni okuyinkimbinkimbi, kwenani eliphezulu okwakha ukwethembeka.
• Imisebenzi yezezimali: Ama-invoyisi azenzekelayo, ukuhlukaniswa kwezindleko, nokubuyisana kwenkokhelo kunciphisa ukubalwa kwezimali kuze kufike ku-40%, ngokusho kocwaningo lwakamuva lwemboni. Amathuluzi axhuma ama-invoyisi ku-CRM nezibalo - njengalawo angaphakathi kwenkundla ye-Mewayz - asusa ukubuyisana okwenziwa ngesandla okudla amahora masonto onke.
• Ukuqashwa nokuphathwa kwabasebenzi: Qalisa kabusha ukuhlola, ukugeleza komsebenzi, kanye nokulandelela ukuthobela umthetho kungenziwa ngokuzenzakalelayo, kwehlise isikhathi sokuqashwa ngo-35% futhi kwehlise umthwalo wokuphatha emaqenjini amancane akwa-HR.
• Ukuphathwa kwamapayipi okuthengisa: Ukuthola amaphuzu okuhola kwe-AI, ukulandelana okuzenzakalelayo kokulandelela, nokuhlaziywa kwezivumelwano ezibikezelayo kusiza amaqembu abathengisi ukuthi agxile emathembeni okungenzeka kakhulu aguquke, athuthukise amanani asondelene kakhulu ngo-20-25% ezifundweni ezibhalwe phansi.
• Ukuhlela nokwabiwa kwezinsiza: Kusukela ezinhlelweni zokubhukha kuya ekuphathweni kwemikhumbi, i-AI ithuthukisa ukusetshenziswa kwezinsiza ngezindlela ukuhlela okwenziwa ngesandla okungeke kufane, ikakhulukazi kumabhizinisi aphethe ama-aphoyintimenti, ukulethwa, noma amaqembu enkambu.

Uchungechunge olujwayelekile kuzo zonke lezi zindawo ezinhlanu ulwazi olufanayo olushiwo ngu-Dorsey: amaqembu amancane ahlonyiswe ngamathuluzi obuhlakani alungile enza kahle kakhulu kunamaqembu amakhulu ngaphandle kwawo. Lokhu akulona ithiyori. Ukukhula kwenzuzo kuka-Block ngo-24% ngesisekelo semali engenayo esifanayo noma esifanayo sifakazela ukuthi izibalo zisebenza ngesilinganiso. Emabhizinisini amancane, izibalo zivame ukusebenza kangcono ngoba ukungasebenzi kahle kwesisekelo kuphezulu.

Ingozi Yokulinda

Kukhona isilingo esingokwemvelo sokubuka eceleni. I-AI izwa sengathi ihamba ngokushesha, futhi abanikazi bamabhizinisi abaningi bacabanga ukuthi kungcono ukulinda ukuthi ubuchwepheshe buvuthwe ngaphambi kokwenza izinguquko. Lokhu kubala kabi okuyingozi. Igebe lokuncintisana phakathi kwama-AI-adopters nabangewona ama-adopter alikhuli ngokomugqa - liyakhula ngesivinini. Ibhizinisi elilinda iminyaka emibili ukuze lisebenzise i-automation ehlakaniphile lizozithola liqhudelana nezimbangi ezineminyaka emibili yokuhlanganisa izinzuzo ezisebenza kahle, idatha engcono, kanye nokusebenza okuncane.

Izinombolo zixoxa indaba. Izinkampani ezamukele ukusebenza okuqhutshwa yi-AI ngo-2024 zibike ukwehliswa okumaphakathi okungama-28% wezindleko zokusebenza zingakapheli izinyanga eziyi-12, ngokocwaningo lwakamuva lukaMcKinsey mayelana nokutholwa kwe-AI. Lezo ezibambezelekile azizange zibonise ukuthuthukiswa kokusebenza kahle. Igebe liyakhula ngekota ngayinye ngenxa yokuthi amasistimu e-AI ayathuthuka ngedatha - uma uqala ukuwanika idatha yokusebenza, ahlakanipha futhi abaluleke nakakhulu.

Emabhizinisini angu-138,000-plus asevele esebenza ngezinkundla ezifana ne-Mewayz, le nzuzo yakhelwe ngaphakathi. Isistimu ehlanganisiwe ethwebula konke ukusebenzelana kwamakhasimende, yonke i-invoyisi, konke ukubhukha, nakho konke ukuxhumana kweqembu kudala isisekelo sedatha esenza i-AI automation ikhule ibe namandla ngokuhamba kwesikhathi. Ukuqala ngesitaki esihlukanisiwe kusho ukuchitha izinyanga nje uhlanza futhi uxhuma idatha ngaphambi kokuba noma yiliphi ithuluzi le-AI lilethe inani langempela.

Ungaqala Kanjani Ngaphandle Kokusika Iqembu Lakho

Kubalulekile ukuhlukanisa isu elithile le-Block kumgomo obanzi. Akuwona wonke amabhizinisi adinga - noma okufanele - ayeke u-40% wabasebenzi bawo. Emabhizinisini amaningi amancane naphakathi nendawo, ithuba le-AI aliphathelene nokunciphisa inani labantu. Imayelana nokuqondisa kabusha umthamo okhona emisebenzini yenani eliphezulu. Umnikazi ochitha amahora amathathu ngosuku kuma-invoyisi kanye nokufakwa kwedatha angachitha lawo mahora ebuhlotsheni bamakhasimende nokuthuthukiswa kwebhizinisi. Ilungu leqembu elihlela ngokwenza ama-aphoyintimenti esikhundleni lingase ligxile kukhwalithi yesevisi kanye nokuthengisa.

Isiqalo esisebenzayo samabhizinisi amaningi sibandakanya izinyathelo ezintathu. Okokuqala, cwaninga ukuthi isikhathi sihamba kuphi. Amabhizinisi amaningi alibukeli phansi ngokumangalisayo ukuthi ungakanani umzamo womuntu osetshenziswa imisebenzi i-AI eyisingatha ngokuthembekile - ukufakwa kwedatha, ukuhlela, ukulandelela, ukubika okuyisisekelo, nokuxhumana okujwayelekile. Okwesibili, hlanganisa amathuluzi akho. I-AI isebenza kahle kakhulu uma inokufinyelela kudatha exhunyiwe kuwo wonke umsebenzi wakho. Indlela yesikhulumi - kungakhathaliseki ukuthi i-Mewayz noma isistimu efanayo ehlanganisiwe - iqeda ubuhlungu bekhanda bokuhlanganisa obuphazamisa amaphrojekthi amaningi wokuzenzakalela. Okwesithathu, zenzekela ngezendlalelo, kuqala ngevolumu ephezulu kakhulu, imisebenzi eyinkimbinkimbi futhi yakhela ekugelezeni komsebenzi okuyinkimbinkimbi njengoba ukuzethemba nedatha kukhula.

Incwadi ka-Dorsey eya kubanikazi bamasheya ibiyisixwayiso, kodwa bekungesona isigwebo sentambo kubasebenzi abangabantu. Kube ukuvuma ukuthi ubudlelwano phakathi kosayizi weqembu kanye nomphumela webhizinisi bushintshe kakhulu. Amabhizinisi aqaphela lolu shintsho - futhi enze ngokuvumelana nalo - azozithola enemisebenzi ethambile, amamajini aphezulu, namathimba enza umsebenzi ozuzisayo esikhundleni sokungcwatshwa emisebenzini ephindaphindwayo. Amathuluzi akhona namuhla. Umbuzo kuphela ukuthi uzowasebenzisa yini ngaphambi kokuthi izimbangi zakho ziwenze.

Umugqa Ongezansi

Isinqumo sika-Vimba sokunqamula imisebenzi engu-4,000 kuyilapho isitokwe saso sikhuphuke ngo-20% siwuphawu olucacile nokho lokuthi izimakethe zibiza kakhulu ukusebenza kahle okuqhutshwa yi-AI ngaphezu kokubala okuningi. Kodwa le ndaba ayikhulumi ngeBlock. Imayelana nebhizinisi ngalinye elisasebenza ngezinqubo ezenziwa ngesandla, amathuluzi anqanyuliwe, nokugeleza komsebenzi okudizayinelwe inkathi ngaphambi kokuba kube khona okuzenzakalelayo okuhlakaniphile. Kungakhathaliseki ukuthi ungumuntu ohamba yedwa noma uphethe iqembu labantu abangamashumi amahlanu, incwadi yokudlala esebenzayo ishintshile. Amaqembu amancane anamasistimu ahlakaniphile azohlala edlula amaqembu amakhulu ngaphandle kwawo. Amabhizinisi afaka leli qiniso ngaphakathi - futhi akhe imisebenzi yawo ngokufanele - ngeke nje asinde ekuguqukeni kwe-AI. Bazochaza inkathi elandelayo yebhizinisi.

Imibuzo Evame Ukubuzwa

Kungani u-Block ediliza abasebenzi abangu-4,000?

U-CEO u-Jack Dorsey ucaphune izinzuzo zokukhiqiza eziqhutshwa yi-AI njengesizathu esiyinhloko, wathi amathuluzi ezobunhloli ashintshe kakhulu indlela izinkampani ezakha futhi zisebenza ngayo. Kunokuba kugcinwe amaqembu amakhulu emisebenzi ephindaphindwayo, i-Block iphinde yabela izinsiza ekugelezeni komsebenzi okunikwe amandla yi-AI. Imakethe iphendule kahle, ngamasheya eqa ngaphezu kuka-20%, okubonisa ukuzethemba kwabatshalizimali ukuthi izinhlangano ezithambile, ezithuthukisiwe ze-AI zingaletha imiphumela enamandla ngokubala okumbalwa.

Ingabe i-AI ingena kanjani esikhundleni sezindima zabasebenzi bendabuko emabhizinisini?

I-AI manje isingatha imisebenzi ebidinga yonke iminyango ngaphambilini - kusukela ekusekelweni kwamakhasimende nokuhlaziywa kwedatha kuya ekudalweni kokuqukethwe nokubikwa kwezimali. Izinkampani ezifana neBlock zifakazela ukuthi i-automation ingafanisa noma yeqe umkhiqizo womuntu emisebenzini evamile. Amabhizinisi amancane naphakathi nendawo angafinyelela amakhono afanayo ngokusebenzisa izinkundla ezifana ne-Mewayz, enikeza amamojula ahlanganisiwe angu-207 aqala ku-$19/mo ukuze enze imisebenzi ngokuzenzakalelayo ngaphandle kwesabelomali sezinga lebhizinisi.

Sisho ukuthini isinqumo sikaBlock kubanikazi bamabhizinisi amancane?

Kubonisa ukuthi ukutholwa kwe-AI akusakhetheki - kuyisidingo sokuncintisana. Uma inkampani eyizigidigidi ezingama- $ 50 ihlela kabusha eduze kwe-AI, amabhizinisi amancane kufanele alandele noma abeke engcupheni yokusalela emuva. Inzuzo yamaqembu amancane ukuthi amaplathifomu ewonke wonke njenge-Mewayz ku-app.mewayz.com enza okuzenzakalelayo kufinyeleleke ngokushesha, okuvumela amaqembu athambile asebenze ngempumelelo yezinhlangano ezinkulu kakhulu.

Ingabe amabhizinisi angakwazi ukusebenzisa i-AI ngaphandle kokudilizwa okukhulu?

Nakanjani. Ngokungafani nendlela kaBlock yokusika izindima ezikhona, amabhizinisi amaningi amancane angahlanganisa i-AI ukuze akhulise amaqembu awo akhona esikhundleni sokuwashintsha. Umgomo wenza okwengeziwe ngokubalwa kwekhanda okufanayo. I-OS yebhizinisi efana ne-Mewayz ihlinzeka ngamamojula angu-207 ahlanganisa i-CRM, ama-invoyisi, ukuhlela, kanye nemishini yokumaketha — inika abasebenzi abakhona amandla okusingatha umsebenzi onenani eliphakeme kuyilapho i-AI ilawula imisebenzi ephindaphindwayo.