- I-BBVA Spark isebenza njengebhange elikhethekile lezinkampani ezintsha kanye nezimali ze-venture capital, linikeza konke kusukela ezinsizakalweni zasebhange eziyisisekelo kuya kwezezimali ezithuthukisiwe.
- I-TaxDown izibonakalise njengomholi kwezentela zedijithali eSpain naseMexico ngenxa ye-AI kanye nokusekelwa kwezezimali namasu kwe-BBVA Spark.
- I-PropHero, ipulatifomu yokutshalwa kwezimali kwezindlu i-proptech, iqinisa ukwanda kwayo eSpain ngokuxhaswa ngemali engu-€2,5 million evela ku-BBVA Spark.
- Le misebenzi ikhombisa ukuthi i-BBVA Spark iqhuba kanjani amamodeli aguqula ukuphathwa kwentela kanye nokutshalwa kwezimali kwempahla, okuthonya uhlelo lokutshalwa kwezimali.
Uma ukhuluma ngakho Ukutshalwa kwezimali kwe-BBVA Spark kanye nemakethe yesitokoEqinisweni, sikhuluma ngento ebanzi kakhulu kunomkhiqizo wezezimali olula. I-Spark iyisibopho se-BBVA sokusekela izinkampani ezintsha zobuchwepheshe kanye nokukhulisa eziguqula yonke imikhakha ngokusebenzisa i-digitalization, ubuhlakani bokwenziwa, kanye nedatha. Futhi nakuba ingeyona ipulatifomu yokuhweba ngomqondo wendabuko, indima yayo ohlelweni lokutshalwa kwezimali ibalulekile ekuqondeni ukuthi imali ehlakaniphile igeleza kuphi namuhla.
Kulesi simo, imisebenzi efana nokuxhasa ngezimali I-TaxDown (i-'fintech' yentela yaseSpain neyaseMexico) oa I-PropHero (inkampani yase-Australia egxile eSpain) isiza ekuboniseni ukuthi i-BBVA Spark iba kanjani umlingani oqavile wezinkampani ezintsha. Ngokusekelwa kwayo ngezezimali, i-Spark iqhuba amaphrojekthi athinta ngokungaqondile indlela abantu kanye namabhizinisi abatshala ngayo imali, abaphatha ngayo ingcebo yabo, futhi abasebenzisana ngayo nomnotho wedijithali.
Iyini i-BBVA Spark futhi ingena kanjani ezweni lokutshalwa kwezimali?
I-BBVA Spark Yiyunithi yebhizinisi ye-BBVA eyenzelwe njengebhange elikhethekile lezinkampani ezikhula ngokushesha, ezintsha kanye nezimali ze-venture capital. Akuyona nje i-akhawunti yamanje enezinzuzo ezimbalwa, kodwa umnikelo ophelele ohlanganisa konke kusukela ekuthengiselaneni kwansuku zonke kuya ezixazululweni zezimali ezithuthukisiwe, ezihlobene eduze nomhlaba we-venture capital kanye nokukhula okusheshayo.
Umqondo oyinhloko ukuthi izinkampani ezintsha ezisekelwe kubuchwepheshe kanye nokukhulisa, kanye nezimali ezitshala imali kuzo, zingaphathwa endaweni eyodwa. izinkokhelo, ukuqoqwa, inkokhelo, amakhadi kanye nezimalingenkathi ngithola ukufinyelela emikhiqizweni yokuxhasa ngezimali eyenzelwe ngqo amamodeli ebhizinisi adinga imali eningi anamandla amakhulu okukhula.
Esinye sezici ezihlukanisayo ukufinyelela ku- imithombo yoxhaso njenge isikweletu sebhizinisi noma i ukubolekwa kwemali okusekelwe empahleniLezi zindlela ezihlukile zivumela izinkampani esezivele zinabatshalizimali bezimali ezinkulu 'etafuleni lazo' ukuthola izinsiza ezengeziwe ngaphandle kokunciphisa kakhulu isabelo sabasunguli, into ebaluleke kakhulu emizuliswaneni ethuthukile noma ezigabeni zokwanda kwamazwe ngamazwe.
Esikhundleni sokuhlaziya nje ama-balance sheet omlando, i-BBVA Spark icabangela izici ezivamile ohlelweni lwebhizinisi: ikhwalithi yeqembu, izinga lokubambelela, ukusekelwa kwezimali ze-venture capital, amandla emakethe noma izinga lokusungula izinto ezintsha ebhizinisini. Ngale ndlela, ivumelana kangcono ne- izinkampani zobuchwepheshe ezikhula ngamandla ezingakafiki ngokugcwele ezindinganisweni zebhange zendabuko.
Lo mbono umvumela ukuthi asebenzisane nezinkampani ezisafufusa ezisafufusa ezihlanganisa umkhiqizo wazo, kanye nokukhulisa amabhizinisi asevele eqinisekisile isiphakamiso sawo futhi afuna ukwandisa ukusebenza, ukuvula izimakethe ezintsha noma ukuqinisa uketshezi lwawo ukuze akhule ngokushesha futhi angabi nokungqubuzana okuningi.
I-TaxDown: inkampani ye-fintech eshintsha indlela okhokha ngayo intela
Esinye sezimo eziphawuleka kakhulu ngaphakathi kwephothifoliyo yezinkampani ezisekelwa yi-BBVA Spark yilesi I-TaxDownInkampani ye-fintech egxile ekukhokheni intela yedijithali ishintshe indlela abantu abaphatha ngayo ukubuyiselwa kwentela yabo. Yasungulwa ngo-2019 ngu-Enrique García, u-Álvaro Falcones, noJoaquín Fernández, umgomo wenkampani kusukela ekuqaleni kwakuwukwenza ukufaka intela kube lula njengokusebenzisa uhlelo lokusebenza lweselula.
Inhliziyo yesiphakamiso sabo inhlanganisela ubuchwepheshe obunobunikazi, ubuhlakani bokwenziwa kanye nezeluleko zochwephesheIpulatifomu ihlaziya ngokuzenzakalelayo isimo sentela somsebenzisi, ithole idatha yezinkomba, ithole izinkokhelo ezingaba khona, futhi ikhiqize izincomo ezenziwe ngezifiso. Ngasese, ithimba lochwepheshe bentela liqinisekisa futhi ligcwalise umsebenzi wama-algorithms ukuze lilethe umphumela oqinile nothembekile.
Eminyakeni embalwa nje, i-TaxDown ikwazile ukwengeza okungaphezu kwalokho 4 izigidi zabasebenzisiukuba ngumhlinzeki ohamba phambili wezixazululo zokuphathwa kwentela yedijithali kubantu ngabanye. Ngaphezu kwalokho, isize izinkampani ezingaphezu kuka-500 ukuhlanganisa izinsizakalo zayo njengomlingani wezobuchwepheshe, inikeza abasebenzi bazo namakhasimende indlela elula nengenazinkinga yokufaka intela yabo.
Le nkampani isebenza ngenkuthalo e- ESpain naseMexicoKulezi zimakethe, izimise njengenye yamapulatifomu ahamba phambili esigabeni sayo. Ngokusho kwedatha etholakalayo, selokhu yasungulwa isivele iphathe intela engaphezu kwezigidigidi eziyi-1.500 zama-euro, okunikeza umbono wenani lezimemezelo nezinqubo ezicutshungulwe ngempumelelo.
Ngenxa yalesi silinganiso, i-TaxDown izibeke njengeplatifomu ephatha ukubuyiselwa kwentela yomuntu siqu kakhulu eSpain, idlula ngisho namathuluzi amaningi angasese amadala kanye nokubonisana kwendabuko, okungazange kuhlale kukwazi ukuzivumelanisa nezinga lokuzenzakalela kanye nolwazi lomsebenzisi olunikezwa yi-'fintech' entsha.
Ukukhula, inzuzo kanye nendima yobuhlakani bokwenziwa kwa-TaxDown
Imodeli ye-TaxDown ayikhulanga nje kuphela enanini labasebenzisi, kodwa futhi ibonakalisiwe ukuthi esebenza kahle kakhulu ngokombono wezomnothoNgo-2025, inkampani yadlula ukukhula okungu-100% ngonyaka nonyaka kwemali engenayo yokuthengisa futhi yathola inzuzo, okuyisenzo esiphawulekayo sokwanda kobuchwepheshe obuqhubeka nokutshala imali eningi emkhiqizweni nasekukhuleni.
Lokhu kulinganisela phakathi kokukhula ngokushesha hhayi ukulahlekelwa okukhulu kuye kwakubeka njengenye yezinkinga. Ukwandiswa kwe-fintech okusebenzayo kakhudlwana kusuka eYurophu. Endaweni lapho amaphrojekthi amaningi edijithali ehluleka khona ukuthola indlela yokuthola inzuzo, i-TaxDown ibonise ukuthi kungenzeka ukukhula ngesivinini samadijithi amabili ngenkathi kugcinwa ukugxila ekuzinzeni kwezezimali.
Isihluthulelo salokho kusebenza kahle, ngezinga elikhulu, sisekusetshenzisweni okujulile kwe ukuhlakanipha okufakelwayoLe nkampani yenze i-AI yaba yisisekelo semodeli yayo yokusebenza: izenzela ngokuzenzakalela izinqubo eziphindaphindwayo, yenza izincomo zibe ngezakho ngokugcwele, futhi yandisa umkhiqizo wabeluleki abangabantu, abangagxila ezimweni eziyinkimbinkimbi kakhulu esikhundleni sokuchitha isikhathi emisebenzini yemishini.
Ngeplatifomu yayo, abasebenzisi abakwazi nje kuphela ukuthumela isitatimende seholokodwa futhi thola izinkokhelo okungenzeka ukuthi azizange zibonwe, thola iziphakamiso ezenziwe ngezifiso zokuthuthukisa isimo sakho sentela, uphathe izinqubo ezengeziwe ezihlobene neHhovisi Lentela futhi uxazulule ukungabaza ngqo nochwepheshe uma ukudinga.
Imiphumela yale ndlela ibonakala ngezibalo ezicacile: cishe iklayenti elilodwa kwabane abasebenzise i-TaxDown ngonyaka wentela ka-2024 bathole ukonga ekubuyiselweni kwentela yabo, ngesilinganiso esingaba ngu-€300. Leli khono lokubona amathuba okwenza ngcono lingenye yezinzuzo ezinkulu zepulatifomu ngaphezu kokubuyiselwa kwentela ngesandla noma izixazululo ezingatheni kangako.
Ubudlelwano obuqakathekile phakathi kwe-BBVA Spark ne-TaxDown
Ukuxhumana phakathi I-BBVA kanye ne-TaxDown Lokhu akuyona nje indlela yokuxhasa ngezimali, kodwa kunalokho kuwumphumela wokubambisana kwesikhathi eside. I-BBVA Spark ijoyine njengomlingani wezezimali ukuze iqhube isigaba esilandelayo sokukhula kwenkampani ye-fintech, kodwa ubudlelwano base buvele busungulwe ngamaphrojekthi ahlukahlukene ahlangene.
Ngokusho kuka-Enrique García, i-CEO kanye nomsunguli we-TaxDown, ukuba ne-BBVA Spark njengomlingani kuyisinyathelo esibalulekile, njengoba uxhaso olutholiwe lubavumela ukuthi baqhubeke nokutshala imali ku- ubuhlakani bokwenziwa, ukuthuthukiswa komkhiqizo kanye nokwandiswa yezinsizakalo. Umbono uwukuthi ukuphathwa kwentela kuzoyeka ukuba inqubo eyinkimbinkimbi futhi kube yinto ecishe izenzekele, esobala, futhi efinyeleleka kunoma ubani, ngaphandle kwesidingo sokufunda kahle ulimi lwentela.
Ngokwayo, i-BBVA Spark igcizelela ukuthi i-TaxDown ifanelana kahle nohlobo lwezinkampani abafuna ukuzisekela: amabhizinisi angagcini nje ngokwenza umkhakha wendabuko ube wedijithali njengezinsizakalo zokweluleka ngentela, kodwa futhi... chaza kabusha kusukela phansi kuya phezuluKulokhu, benza kanjalo ngokuhlanganisa i-AI, ukusebenza kahle, kanye nolwazi lomsebenzisi oluklanyelwe abantu abafuna izixazululo ezilula nezisheshayo.
Ubudlelwano buqale ukubonakala emicimbini ye-ecosystem eqalayo, njenge-4YFN, lapho i-BBVA Spark ifunde kabanzi ngesiphakamiso senani le-TaxDown. Kusukela ngaleso sikhathi, ibhange lilandele inqubekela phambili yalo futhi lanquma ukutshala imali esigabeni esisha sokukhula esizoqinisa isikhundla salo eYurophu naseLatin America.
Ngaphandle kokusekelwa ngezimali, i-TaxDown isihlanganiswe kakhulu Iziteshi ze-BBVAKusukela ngo-2023, amakhasimende asebhange akwazile ukuphatha ukubuyiselwa kwentela yawo ngqo nge-BBVA, esebenzisa ubuchwepheshe bentela be-TaxDown ukuze kube lula inqubo. Lokhu kuhlanganiswa kuyisibonelo esisebenzayo sendlela i-Spark engagcini nje ngokutshala imali kodwa futhi idala ukusebenzisana kokusebenza phakathi kwebhange nezinkampani ezintsha.
Ukusungula izinto ezintsha ngokuhlanganyela: I-Cl@ve PIN kanye nokuthuthukiswa kolwazi lwasebhange
Umphumela owodwa oqondile wokubambisana phakathi kwe-BBVA ne-TaxDown kube ukuqaliswa kwamathuba okuthi Vula i-akhawunti eku-inthanethi usebenzisa i-PIN ye-Cl@veLolu khetho, olwakhiwe ngokubambisana nenkampani ye-fintech, lunciphise isikhathi esidingekayo sokubhalisa amakhasimende amasha e-BBVA ngaphezu kwengxenye.
Lezi zinhlobo zokuthuthukiswa kobuchwepheshe zibonisa ukuthi inkampani ekhethekile kwezentela inganikeza kanjani inani elingaphezu kokubuyiselwa kwentela, isebenzisa ulwazi lwayo ekuhlanganisweni kwezinhlelo, ukuqinisekiswa kobunikazi, kanye nobudlelwano nezinhlangano zomphakathi njenge-Tax Agency.
Ngaphezu kwalokho, i-TaxDown ingumlingani wezenhlalo wenhlangano uqobo. Isikhungo Sentela futhi uyilungu le-AEDAF (i-Spanish Association of Tax Advisors), eqinisa ukwethembeka kwayo kubasebenzisi kanye nekhono layo lokusebenza endaweni eyinkimbinkimbi yokulawula. Lokhu kuhlanganiswa kokuqashelwa kwezikhungo kanye nobuchwepheshe kukhanga kakhulu ibhange elifana ne-BBVA.
Ku-BBVA Spark, ukusekela amaphrojekthi enza kube lula izinqubo ezilawulwayo nezikahulumeni kuyindlela ehlelekile, ngoba kuhambisana nomsebenzi wayo wokusekela izinkampani ezizimele. ukuklama kabusha imikhakha yendabukoKulokhu, intela kanye nobudlelwano nokuphathwa komphakathi kuyindawo ebalulekile lapho ukwenziwa kwedijithali kusenendlela ende okufanele ihanjwe.
Ngokuhlanganisa izixazululo ezifana ne-TaxDown ekunikezweni kwayo, i-BBVA ayigcini nje ngokuhlinzeka ngesevisi engcono kumakhasimende ayo amanje, kodwa futhi izibeka njengophawu lwabasebenzisi abafuna ulwazi lwasebhange oluseduze nezinga lokusetshenziswa elibekwe yizinhlelo zokusebenza zobuchwepheshe ezihamba phambili.
I-PropHero: ukutshalwa kwezimali kwezindlu kwedijithali okusekelwa yi-BBVA Spark
Esinye isibonelo esifanele sohlobo lwezinkampani ezisekelwa yi-BBVA Spark, ezinemiphumela ecacile emhlabeni wokutshalwa kwezimali, yilesi I-PropHeroKuyipulatifomu yedijithali ese-Australia egxile ekutshalweni kwezimali kwezindlu esebenzisa ubuchwepheshe kanye nedatha ukwenza kube lula ukuthengwa kwezakhiwo njengempahla yokutshalwa kwezimali.
I-PropHero ingaphansi komhlaba 'we-proptech', okungukuthi, izinkampani ezisebenzisa ubuchwepheshe ukuthuthukisa noma ukusungula kabusha izinsizakalo ezihlobene nomkhakha wezindluKulesi simo, umgomo uwukwenza ukufinyelela ekutshalweni kwezimali kwezindlu nakwezinye izindawo kube lula, okwenza kube lula ngabasebenzisi ukubona amathuba nokuphatha yonke inqubo ngaphandle kokungqubuzana okukhulu.
Le nkampani isivele isebenza emazweni amane futhi isizibonakalise njengenye yamapulatifomu amasha kakhulu ohlelweni lwayo lwemvelo, enamapulatifomu angaphezu kwalawa Abasebenzisi abangu-10.000 abasebenzayoIzibikezelo zabo zifaka phakathi okungaphezu kokuphinda kabili umsebenzi wabo ngo-2025, kuncike ekuthuthukisweni kobuchwepheshe babo kanye nesidingo esikhulayo sezinsizakalo zokutshalwa kwezimali kwedijithali kwezindlu nezindawo.
Ukuze kuthuthukiswe lesi sigaba sokunwetshwa, i-BBVA Spark isayine isivumelwano esisha sokuxhasa ngezimali ne-PropHero sesamba semali engenayo. 2,5 million euroLezi zimali zenzelwe ukuqinisa uketshezi olusebenzayo futhi isekele uhlelo lwayo lokukhula, ikakhulukazi eSpain, eseyimakethe yayo eyinhloko futhi esanda kuthuthela kuyo indlunkulu yayo.
Lesi sivumelwano sisekelwa futhi yi- I-European Union kanye ne-European Investment Fund (EIF) ngaphansi kohlelo lwe-InvestEU, olugcizelela intshisekelo yezikhungo kumaphrojekthi ahlanganisa ukusungula izinto ezintsha kwezobuchwepheshe nomthelela emikhakheni ebalulekile njengezindlu nezindawo.
Kungani i-PropHero ingena esu le-BBVA Spark
I-BBVA Spark igcizelela ukuthi i-PropHero imelela uhlobo lwenkampani abafuna ukuyisekela: yedijithali, inesifiso esikhulu futhi inomthelela wangempela emkhakheni wayoImodeli yabo yokutshalwa kwezimali kwezindlu, esekelwe kudatha kanye nobuhlakani bokwenziwa, ihambisana nokubaluleka kwebhange ukusekela amabhizinisi amasha nawo ahambisana... izindlela zokusimama kanye nokusebenza kahle.
Ngokusebenzisa amamodeli okuhlaziya idatha enkulu, ipulatifomu ingahlonza izakhiwo ezinethuba elinamandla lenzuzo, ithuthukise izinqumo zokuthenga, futhi isize abasebenzisi ukuthi bahlukanise ukuvezwa kwabo emakethe yezindlu. Lokhu kuyathakazelisa ikakhulukazi kubatshalizimali abafuna ukwenza okungaphezu kokuthenga izindlu zendabuko ngaphandle kwamathuluzi ochwepheshe.
Njengoba inkampani ngokwayo igcizelele, ukuzethemba kwe-BBVA Spark kube yinto ebalulekile ekukhuliseni isu lokukhulaLesi sivumelwano siqinisa ikhono le-PropHero lokukhulisa imisebenzi, ukuhlangabezana nesidingo esikhulayo, nokuqhubeka nokuguqula ulwazi lokutshalwa kwezimali kwezindlu ngokusebenzisa ubuchwepheshe.
Ngesikhathi esifanayo, lo msebenzi ubonisa ukuthi i-Spark ayigxili nje kuphela ku-fintech emsulwa, kodwa futhi itshala imali ku-proptech nakwezinye izinto eziqondile lapho ukwenziwa kwedijithali kushintsha khona uhlobo lokutshalwa kwezimali. Umngcele phakathi kokutshala imali emakethe yamasheya, ukutshala imali ezinkampanini ezintsha, noma ukutshala imali kwezindlu kuyafiphala lapho konke kuphathwa kumapulatifomu edijithali ngengxenye enamandla yokuhlaziya kanye ne-AI.
Kuhlelo lokusebenza, ukuba nomdlali webhange ofana ne-BBVA Spark osekela amaphrojekthi ngale ndlela kunezela ukwethembeka okwengeziwe futhi kuvula umnyango wokubambisana kwesikhathi esizayo, kokubili emikhiqizweni yezezimali yabasebenzisi bokugcina kanye nokubambisana nezinye izikhwama kanye nezinkundla zokutshalwa kwezimali.
I-BBVA Spark, uhlelo lokuqalisa kanye nomthelela ekutshalweni kwezimali
I-BBVA Spark isizibonakalise njengomdlali ofanele ku- uhlelo lwezinhlelo ezintsha zobuchwepheshe kanye nokukhulisaIsiphakamiso sabo sidlula nje ukubeka imali etafuleni: sihlanganisa ukuxhaswa ngezimali okulungiselelwe wena, izinsizakalo zasebhange ezithuthukisiwe, kanye nenethiwekhi yokuxhumana nolwazi lomkhakha olubaluleke kakhulu ezinkampanini ezisesigabeni sokukhula.
Ngokutshala imali ezinkampanini ezifana ne-TaxDown kanye ne-PropHero, i-Spark idlulisela izinsiza kumamodeli ebhizinisi asebenzayo. ukuchaza kabusha indlela yokutshala imali, yokonga nokuphatha imaliIntela ezenzakalelayo ithonya indlela abantu abahlela ngayo imali yabo engenayo, kuyilapho ukutshalwa kwezimali kwezindlu kwedijithali kwandisa izinketho zokwahlukahluka kwempahla.
Kubatshalizimali abanentshisekelo ekutshalweni kwezimali emakethe yamasheya okuhlobene ne-BBVA Spark, kubalulekile ukuqaphela ukuthi i-Spark isebenza kakhulu njengebhange lezinkampani ezintsha kanye nezimali ze-venture capital, hhayi njengomthengisi wezitolo. Umthelela wayo ekutshalweni kwezimali ubonakala kakhulu ekusekeleni kwayo izinkampani ezingase zibe ngabantu abazongenela i-IPO, ziqoqe imijikelezo yokuxhasa ngezimali ezisohlwini, noma zikhiqize amathuba amasha okutshala imali kubantu ngabanye.
Ngokwesibonelo, endabeni ye-TaxDown, ukuhlanganiswa kwayo njengomholi kwentela yedijithali eSpain naseMexico kuyibeka njenge- Ukukhula okunamandla okukhula okuqhubekayo Kwezinye izimakethe, lokhu kungadonsela ukunaka kwabatshalizimali abangochwepheshe kwezobuchwepheshe bezezimali. Emakethe ye-PropHero, ukuthuthuka komkhakha we-proptech kanye nokwenza ubungcweti kokutshalwa kwezimali kwezindlu zedijithali kungadala intshisekelo emikhiqizweni exhunywe kubuchwepheshe bezindlu.
Ngakho-ke, i-BBVA Spark isebenza njengesisusa: ihlonza izinkampani ezinamathuba aphezulu, izinikeze uxhaso lwezimali olufanele, ngezinye izikhathi izihlanganise nebhange uqobo, futhi isize ekwandiseni ukufinyelela kwayo kubasebenzisi abaningi. Kulabo abalandela eduze umhlaba wokutshalwa kwezimali, ukuqonda izinhlobo zezinkampani i-Spark ezisekelayo kuyithuluzi eliwusizo lokuhlonza izitayela namathuba angaba khona esikhathini esiphakathi neside.
Sekukonke, indima ye-BBVA Spark njengebhange lezinkampani ezintsha, kanye namacala afana nalawa I-TaxDown kanye ne-PropHeroLokhu kuveza isithombe lapho ukwenziwa kwedijithali, ubuhlakani bokwenziwa, kanye nedatha kuchaza kabusha indlela intela ephathwa ngayo, indlela yokutshala imali kwezindlu, kanye nendlela izimali zomuntu siqu ezihlelwa ngayo. Nakuba i-Spark ingeyona ipulatifomu yendabuko yokuhweba ngamasheya, ithonya layo ohlelweni lokutshalwa kwezimali alinakuphikwa, futhi njengoba lezi zinkampani ziqhubeka nokukhula, ukubaluleka kwazo kulabo abafuna izindlela ezintsha zokutshala imali kuzokhula kuphela.
