I-American Bazaar ibika ukuthi i-Kita inyusa amaRandi ayizigidi ezi-4.5 ukuze andise ukuhlolwa kwesikweletu se-AI

Kwenzekeni

I-American Bazaar ibika ukuthi i-Kita, isiqalo saseSan Francisco esakha ingqalasizinda ye-AI ukuze ibolekwe, inyuse amaRandi ayizigidi ezingu-4.5 ekuxhaseni imbewu. Isitolo sithi lo mzuliswano ubuholwa yi-BoxGroup, ngokubamba iqhaza kwe-Y Combinator kanye nabanye abatshalizimali abanamasu. UKita uthi usebenzisa i-AI ukwenza ngokuzenzakalelayo izingxenye zemvelaphi yemalimboleko kanye nokubhala ngaphansi kwamabhange, ama-microlenders, ama-fintech kanye nababolekisi bamabhizinisi amancane.

I-American Bazaar yabika ngo-Agasti 24 ukuthi i-Kita iqoqe imbewu engu-$4.5 million ukuze ikhulise lokho ekuchaza njengengqalasizinda ye-AI yokuboleka. Isitolo sihlonze i-BoxGroup njengomtshali-zimali ohamba phambili futhi yafaka ohlwini i-Y Combinator, i-Golden Gate Ventures, i-BEENEXT, i-Kaya Founders, i-U.S. News Digital Ventures kanye ne-Apex Star Capital njengabahlanganyeli abengeziwe. Lo mbiko uphinde waqamba abatshalizimali bezingelosi zamasu, okuhlanganisa nomsunguli weTala uShivani Siroya kanye nomholi webhizinisi wasePhilippine uLisa Gokongwei-Cheng. Imininingwane yezezimali yethulwe yisikhungo, kodwa i-athikili ayizange ixhumane nesimemezelo sezimali, ishidi lethemu noma elinye irekhodi eliyinhloko, ngakho-ke umjikelezo nokubamba iqhaza kwabatshalizimali akuqinisekiswa ngokuzimele lapha.

Umbiko uchaza i-Kita njengenkampani eyakha ukuhlolwa kwezikweletu okuxhaswe yi-AI kwababolekisa ngemali encane, amabhange, izinkampani ze-fintech kanye nababolekisi abasebenzela amabhizinisi amancane naphakathi nendawo. Ngokuka-Kita, uxhaso luzosekela ukuzenzekelayo kokuvela kwemalimboleko kanye nokuhlaziywa kokubhala phansi, ngenhloso eshiwo yokuhlonza ababolekayo abanganakwa yizinhlelo zendabuko. Lokhu kubeka uhlelo lwe-AI enkabeni yomkhiqizo wenkampani esikhundleni sokuphatha i-AI njenge-software yengozi. I-athikili ayiwahlonzi amamodeli athile, imithombo yedatha, imithetho yesinqumo noma izinqubo zokubuyekeza umuntu ezisetshenziswa kulokho kuhlola.

I-American Bazaar ithi ubuchwepheshe be-Kita busetshenziswa ababolekisi ePhilippines, Indonesia, Mexico nase-United States, kubo bonke abathengi, abancane bezimali kanye nokubolekwa kwama-SME. Inkampani itshele isitolo ukuthi ukuhamba komsebenzi okwake kwathatha izinsuku noma izinyanga manje sekungaqedwa ngaphansi kwemizuzwana engama-60, nokuthi isicubungule imali engaphezulu kwezigidi ezingama- $ 130 ngenani lemalimboleko. Lezo izimangalo zokusebenza ezibonakalayo, kodwa umbiko awuhlinzeki ngohlu lwamakhasimende, indlela yokusebenza, ubufakazi bezinga lokwenziwe, iqembu lokuqhathanisa noma ukuhlola okuzimele. Ngakho-ke akwenzeki kulo mthombo ukunquma ukuthi ingabe isistimu isheshise izinqumo ngokungaguquki noma ithuthukise ukunemba kokuhlolwa kwekhredithi.

Lesi sihloko siphinde sibike ukuthi i-Kita yasungulwa ngu-Carmel Limcaoco kanye no-CTO Rhea Malhotra ngenkathi befunda isayensi yekhompiyutha e-Stanford University, nokuthi iqembu lihlanganisa abantu abanolwazi ku-Apple, Tesla kanye ne-Microsoft. UMalhotra usebenzise okuthunyelwe kwe-LinkedIn ukukhangisa izindima zobunjiniyela ngesinxephezelo esibikiwe sika-$160,000 kuya ku-$220,000, ukulingana nokusekelwa kokuthuthela kwenye indawo. Imininingwane yokuqasha isiza ukuchaza ukuthi inkampani ingasebenzisa kanjani imali entsha, kodwa isinxephezelo, izinhlelo zabasebenzi nezinye izimangalo zokuqasha zisekelwe kokuthunyelwe okucashuniwe kwe-LinkedIn futhi aziqinisekiswanga ngokuzimela embikweni.

Imininingwane yomthombo: americanbazaaronline.com ↗

Kungani kubalulekile

Ukuhlolwa kwekhredithi okusizwa yi-AI kungathinta ukuthi ubani othola imali ebolekiwe, ukuthi izicelo zibuyekezwa ngokushesha kangakanani nokuthi ababolekisi babahlola kanjani ababoleki okungenzeka bangakhonzwa kabi ngamasistimu endabuko. Ukuthunyelwa okubikiwe kulo lonke elase-United States, i-Southeast Asia kanye ne-Latin America kuzokwenza izimangalo zenkampani zihambisane nezimakethe lapho amarekhodi alinganiselwe noma imali engenayo engekho emthethweni ingenza kube nzima ukubhala phansi. Umbiko awuqinisekisi ngokuzimela ukusebenza kwe-Kita, ukulunga noma imiphumela yokuboleka.

Ukubhalwa phansi kwesikweletu kuwumphumela wokusetshenziswa kwe-AI ngoba ukuhlola kungaba nomthelela ekutheni umuntu noma ibhizinisi liyayithola yini imali, inani elinikezwayo kanye nemibandela enamathiselwe kukho. Uhlelo olusiza ababolekisi ukuthi bahlole abafakizicelo abanamarekhodi avamile alinganiselwe lungaba nenani elingokoqobo ezimakethe lapho ababolekayo bengafakwanga khona ngenxa yezidingo zamadokhumenti aqinile. Ngesikhathi esifanayo, isinqumo esisheshayo akusona ngokuzenzakalelayo isinqumo esingcono noma esilungile. Umthombo awunikezi bufakazi mayelana nezilinganiso zokugunyazwa, imiphumela yokukhokha, abafake izicelo abanqatshiwe noma ukuthi uhlelo lwe-Kita luyanciphisa noma lukhiqiza kabusha ukuchema okukhona.

Ukuma kwezwe okubikiwe kwe-Kita kunikeza indaba ukubaluleka okubanzi kunokuthunyelwa kwe-software kwangaphakathi. I-American Bazaar ithi lobu buchwepheshe busetshenziswa emazweni amane futhi ekubolekweni kwabathengi, abancane bezimali kanye nokubolekwa kwama-SME. Lezi zilungiselelo zingahluka kakhulu kumthethonqubo, umlando wezezimali, ulimi, amaphethini wemali engenayo kanye nokuvikelwa kwabathengi. Imodeli esebenza ngokwamukelekile kwenye imakethe ingase ingadluliseli ngokuphepha kwenye. I-athikili ayichazi ukuthi i-Kita ithuthukisa amamodeli aqondene nemakethe, ivumelanisa idatha yayo nezimo zendawo noma ihlole ukuhlolwa kwayo kuwo wonke amaqembu abantu.

Ijubane lokucubungula lenkampani elibikiwe liphinde libonise ukuhwebelana okuphakathi kokubolekwa okuzenzakalelayo. Ukuqedela ukuhlaziya ngaphansi kweminithi kungase kunciphise izindleko zokuphatha futhi kunciphise izikhathi zokulinda, ikakhulukazi ezikweletini ezincane noma izicelo zevolumu ephezulu. Kodwa isivinini singenza amaphutha abe nzima ukubona uma ababolekisi bephatha imiphumela yamamodeli njengezinqumo zokugcina. Umthombo awusho ukuthi izincomo ezizenzakalelayo zibuyekezwa izikhulu zemalimboleko, noma ngabe abafake izicelo bangasiphikisa isinqumo, noma ababolekisi bawaphenya kanjani amacala lapho uhlelo luntula ulwazi oluthembekile.

Uxhaso ngokwalo luwumnyakazo wemboni ekhonkolo: abatshalizimali basekela isiqalisi esisebenza nge-AI ekulawuleni ukusebenza kwezimali okunomthelela omkhulu. Nokho inani lincane uma liqhathaniswa nesilinganiso sokubolekwa komhlaba wonke, futhi umbiko awuqinisekisi imali engenayo, ukulinganisa, izinkontileka zamakhasimende noma inzuzo yenkampani. Ngakho-ke ukubaluleka kwenzuzo yomphakathi kuncike kakhulu esimweni sokusebenzisa kanye nethuba lokusatshalaliswa okubanzi, hhayi ebufakazini bokuthi i-Kita isivele iguqule ukufinyelela kwekhredithi. Izimangalo ezimayelana nomthelela womhlaba wonke zihlala ziwumgomo wenkampani oshiwo kunokuba zibe umphumela okhonjiswa ngokuzimela.

Ongakubuka ngokulandelayo

Imibuzo ebalulekile iwukuthi ingabe uxhaso lwe-Kita luhumushela ekusetshenzisweni okubanzi, noma ukuhlola kwayo kuthuthukisa ukufinyelela ngaphandle kokwanda kokubolekwa kwemali okubandlululayo noma okungathengeki, nokuthi ababolekisi bagcina kanjani ukugada komuntu phezu kwezinqumo eziwumphumela. Ukubika okwengeziwe kufanele kusungule izinhlobo zemodeli yenkampani, izindlela zokuqinisekisa, amanani amaphutha, izinqubo zokufaka izicelo, izinombolo zamakhasimende kanye nezilawuli zokulawula. Izibalo ezibikiwe zamaRandi ayizigidi ezingu-4.5 kanye nezinye izibalo zokusebenza kufanele ziqinisekiswe ngenkampani, abatshalizimali noma amarekhodi okulawula.

Okubalulekile kokuqala kokuqinisekisa ukuxhaswa ngezimali. Isimemezelo senkampani, ukuqinisekiswa kwabatshalizimali noma ukufakwa kwemithetho yomthetho kungacacisa usuku lokuvala, ukwakheka okuzungezayo, abatshalizimali ababambe iqhaza kanye nokuthi imali egcwele engu-$4.5 million yaqoqwa yini. Kungasiza futhi ukuhlukanisa umzuliswano wembewu oqediwe kulokho okuhlosiwe, ukuzibophezela noma isibalo soxhaso esiqoqiwe. I-American Bazaar yethula umzuliswano njengoqediwe, kodwa umbiko onikeziwe awuqukethe imibhalo eyisisekelo yomphakathi.

Udaba olulandelayo luwubufakazi bekhwalithi yamamodeli nokungenzeleli. Ukufakwa kwezindaba zesikhathi esizayo kufanele kufune ulwazi mayelana nenani labantu kanye nemikhiqizo ebolekiwe esetshenziselwa ukuhlolwa, idatha etholakalayo yabenzi bezicelo abanamafayela esikweletu amancane, amaphutha namazinga azenzakalelayo, ukulinganisa, ukusebenza kweqembu elincane kanye nokuqapha ngemva kokuthunyelwa. Kufanele futhi ihlole ukuthi ingabe ababolekisi basebenzisa okukhiphayo kwe-Kita njengokufaka okukodwa phakathi kokumbalwa noma njengesango lokugunyaza elisebenzayo. Ngaphandle kwaleyo mininingwane, isimangalo sokuthi uhlelo luthola ababolekayo abanganakwa amasistimu endabuko asikwazi ukulinganisa.

Ukubusa nokuziphendulela kuzoba okubaluleke kakhulu uma i-Kita inwetshwa kubabolekisi abengeziwe noma amazwe. Imibuzo efanelekile ihlanganisa ukuthi inkampani iyisingatha kanjani idatha yezezimali ebucayi, noma ngabe abafake izicelo bayazithola yini izincazelo, yiziphi iziteshi zokulungisa nezikhalazo ezikhona, ukuthi ababuyekezi abangabantu bangenela kanjani, nokuthi iyiphi inhlangano enesibopho lapho isinqumo esisizwa yi-AI sidala umonakalo. Umthombo awuxoxi ngezivikelo zobumfihlo, izilawuli zokuphepha, ukubuyekezwa kokuthobela noma ukugunyazwa kokulawula.

Okokugcina, ukubika kufanele kulandelele ukuthi ingabe uxhaso lukhiqiza izinzuzo zomphakathi ezilinganisekayo kunokubhala phansi okusheshayo noma umthamo owengeziwe wemalimboleko. Izinkomba eziwusizo zingabandakanya ukufinyelela kwababoleki abanqatshelwe ngaphambilini, ukukwazi ukufinyeleleka kwezimali mboleko ezigunyaziwe, ukukhokha kanye nemiphumela yobugebengu, umehluko phakathi kwamaqembu ezibalo zabantu kanye nezinga lapho ababuyekezi abangabantu bechitha khona izincomo zemodeli. Kuze kube yilapho lobo bufakazi butholakala, ukuthunyelwa nokusebenza okubikiwe kwe-Kita kufanele kuthathwe njengezimangalo zenkampani ezithwalwa yi-American Bazaar, hhayi okutholwe ngokuzimela.

Imihlahlandlela ehlobene nemibuzo