I-Noodle inkampani ye-fintech esebenza njengeplatifomu yezezimali yomnotho wokudala, ithole utshalomali oluyi-R$ 5 million ngokubamba iqhaza kwe -QED Investors – isikhwama sase-US esesivele sitshale imali kuma-unicorn afana ne-Nubank, i-Loft, i-Quinto Andar, kanye ne-Creditas.
I-Noodle, umkhiqizo wayo oyinhloko ohlinzeka ngezikweletu, izihlele njengesikhungo sezixazululo zezimali zomnotho wokudala - ohlanganisa abadali bedijithali, abaculi, amalebula okurekhoda, abantu abanethonya, izinkampani zokukhiqiza, imicimbi, nabanye. Le nkampani entsha, eyasungulwa ngo-2020, isivele ithinte abadali abangaphezu kuka-50,000.
Ngaphezu kwalokho, inkampani ye-fintech ibala amagama amakhulu embonini phakathi kwamakhasimende ayo: iKondzilla, iPineappleStorm, kanye ne-BR Media Group. Sekukonke, iNoodle isivele yenze izinkokhelo ezingama-R$300 million kubadali futhi itshale imali engaphezu kwama-R$20 million kumaphrojekthi.
Phakathi kwezinto ezintsha uNoodle azilethe emakethe ukulula nokuthembeka kwabadali namaphrojekthi kulo mkhakha ukuze bathole uxhaso. Lokhu kufaka phakathi udumo lwabaculi, amalebula okurekhoda, abantu abanethonya, kanye nabanye abadlali embonini yezokuzijabulisa, ngemikhiqizo egcina izinga lokukhokha elicishe libe ngu-0% ngenxa yengqalasizinda yokukhokha ehlukile emakethe.
I-Noodle isebenzisa i-AI ngokusekelwe kuma-metric omphakathi, njengabalandeli, ukuzibandakanya, imidlalo, nokuqukethwe, kanye nama-metric ezezimali ukusetha umkhawulo wesikweletu kubadali bokuqukethwe. Le platform iphinde ivumele abasebenzisi ukuthi bakhokhelwe ngaphakathi kwamahora "ezikhangiso" kanye nemikhankaso evame ukuthatha izinyanga ukuze ikhokhwe, ngaphezu kwamathuba okulindela imali engenayo efinyelela onyakeni owodwa kusuka kuma-platform afana ne-YouTube, i-TikTok, ne-Twitch. I-fintech iyindlela ehlukile yamabhange avamile, evumela ama-ejensi nama-platform ukuthi enze ngokuzenzakalelayo izinkokhelo zawo, avale ukushintshaniswa kwemali, futhi atshale imali ethalenteni lawo ngaphandle kokuthinta ukuhamba kwemali kwawo.
“Sigxile ekuthatheni umnotho wokudala siye ezingeni elisha. Ukutshalwa kwezimali kuzoqondiswa ekuthuthukiseni imikhiqizo ehlangabezana nezidingo ezithile zabadali, ukunikeza izixazululo zezimali ezidlula isikweletu. Sizoqinisa ukuba khona kwethu emakethe ngesu lokumaketha eliqinile, ngenkathi sandisa ithimba lethu ukuze sisheshise ukusungula izinto ezintsha kanye nokusekelwa kwamakhasimende. Umgomo wethu ukuba yinkomba eyinhloko yabadali, sinikeze ukwesekwa kwezezimali okudingekayo ukuze baqhubeke nokukhiqiza nokuthinta umhlaba ngemibono yabo,” kusho u-Igor Bonatto, i-CEO kanye nomsunguli we-Noodle.
Ngokusho kwe-CEO, amakhulu ezinkulungwane zabantu eBrazil baphila ngokudala okuqukethwe, futhi abaningi bathola izigidi zama-reais. Kodwa-ke, babhekene nezimo ezibucayi lapho besebenzelana namabhange abo, anikeza izixazululo ezijwayelekile futhi avimbele ukufinyelela kwesikweletu. “Ukuze sigcwalise leli gebe, sakha amaphuzu esikweletu azimele, njengoba ezinye izindlela zendabuko zingahambisani neqiniso lalaba ochwepheshe. Ngaphezu kwalokho, sakha ingqalasizinda eqinile yokukhokha kanye nobuhlakani bezezimali ezovumela imali kule mboni ukuthi ihambe kahle nangokuphephile, ithuthukise kakhulu amandla abadali,” kuphawula uBonatto.
Kuyafaneleka ukugqamisa ukuthi lo mjikelezo wokuxhaswa ngezimali uyindlela ehlakaniphile ye-Noodle. Ngale kwe-R$5 million, i-QED iletha ubuchwepheshe obuyigugu. Umlando wempumelelo wesikhwama ekusekeleni izinkampani ekuthuthukiseni izixazululo zezimali ezintsha uzoba yinto ebalulekile ekukhuleni kwe-fintech. Ngalobu budlelwano, i-Noodle izokwazi ukuhlola amathuba amasha futhi ifinyelele amazinga amasha okusebenza kahle.
Okuhlangenwe nakho kanye nezinselele ekusebenzeni
U-Igor Bonatto, umenzi wefilimu ngokuqeqeshwa, wazibonela mathupha ubunzima umkhakha wokudala obhekene nabo ekutholeni uxhaso lwemisebenzi. Ngemva kokuphothula izifundo zefilimu nokufunda eVancouver Film School, wasungula inkampani yokukhiqiza okulalelwayo nokubonakalayo, ebonisa umoya wakhe wokuba ngusomabhizinisi kusukela esemncane.
“Njengoba inkampani yokukhiqiza ikhula futhi amaphrojekthi eba nzima kakhulu, isidingo sokuqoqa imali eningi naso sanda. Ukusesha ngakunye kwezinsiza kwaletha ukukhungatheka ngenxa yobunzima obukhulu bokuthola uxhaso lomnotho wokudala,” kuphawula u-Igor, i-CEO ye-Noodle. “Amaphupho nombono wobuciko kwagcina kuthathe indawo yangemuva, ngoba usuku nosuku lwaba uchungechunge lwemihlangano, izinkontileka, namaspredishithi.”
Lena inkinga yomhlaba wonke kulo mkhakha, hhayi eBrazil kuphela. “Kwafika isikhathi lapho ngaqaphela khona ukuthi isikhathi sami esingu-100% sasizinikele ekuqoqweni kwemali, ngakho ngacabanga: kungani ngingaguquli lokhu kube umsebenzi wesikhathi esigcwele? Futhi yileyo ndlela uNoodle azalwa ngayo.”
U-Igor uguqule ubunzima kanye nokuntuleka kokusekelwa kulo mkhakha kwaba yithuba. “Isixazululo sethu sisetshenziswa abadali ngoba nje abanalo ulwazi lokuphatha imali. Umuntu onethonya oqala ukwenza imali ngokuqukethwe kwakhe, isibonelo, udinga ukugxila ekuqopheni amavidiyo, ekuthatheni izithombe, ekuhlanganyeleni emicimbini – abanaso isikhathi sokuphatha izimali zabo. Sinikeza lokhu okulula,” kuchaza yena.
