Nemaonero ake pane zvakakosha maitiro ayo achatsanangurwa nekutaridzika kwenyika neyechikamu, maximpment-sango "- nyanzvi yenyika mukusimudzira zvigadzirwa uye kuvandudza kushanda kwezvigadzirwa zvebhizinesi mune zvemari uye Investment Banking Directions. Anopedza kudzidza kweMoscow Fissics uye Technology Institute neDhigirii mune Mathematics, iye zvino Sarverliev zvave zvichishanda muPhiladelphia Zvisarudzo mumatare ekutaurira mari yekudyara mari. Pakutanga, Mahukwana aive nebasa rekusimudzira zvigadzirwa zvevatengi mune zvevatengesi vebhizinesi, kusanganisa kwebhizimusi rebhizinesi uye manejimendi ezvikwata zvechiitiko muSberbank Cib (Moscow, Russia) . Semushandi weDhipatimendi rekuterera Dis (Moscow, Russia), akatsungirira kuzadzikiswa kwenhevedzano yebhizimusi rekushandura bhizinesi uye mabhanga ekutengesa eEast Europe.
- Zvakadiniko, kutaura zvazviri, zviri kuitika nhasi "pakushandurwa kwetambo-yedhijitari kweiyo investment uye chikamu chemari? Ndezvipi zvigadzirwa zvitsva zvakaunzwa? Otomatiki Ndeapi maitiro ebhizinesi mune iyo finsfer nhasi pane yepamusoro yefashoni?
- digital tekinoroji inoshandura kutaridzika kwemasango ese, kumanikidza mabasa ekushanda nenzira itsva. Chikamu chemari chinopfuura vamwe, chakavhurika kusvika pakusunurwa kwehuwandu. Yaive iri pachena iyo yakasika mamiriro akanaka kwete kungowedzera purofiti yemasangano emari, asi zvakare nekubuda kweindasitiri idzva reTekinoroji yemari (Fintech). Kuti ubudirire kukwikwidza mumunda uyu, makambani anongoda kukudziridza uye kuita matekinoroji epamberi.
Pane dzimwe nguva dziine muzvikamu zvebasa remari "bhora rakatonga mabhangi makuru ekudyara. Zvakanyanya kuomera kukwikwidza nevamiriri ve "chizvarwa cheFintech", vakatarisa pakupa zvigadzirwa zvemari uye masevhisi.
Nhasi, kunyange diki iyo kambani inogona kupa vatengi nzira itsva dzekushandisa mari uye kubhadhara, uye nekupa mukana wekururamisa kutengeserana kwemari, kuramba mwezarari.
Kune rimwe divi, kunyangwe makambani emichero anoenda kune anogumbura pane vatambi vechinyakare zvechikoro chemari yemari, semhedzisiro, avo nevamwe vanotanga kufambidzana zvakanyanya. Nekuda kwekushandira pamwe nemakambani anogadzira, mabhangi ekudyara anogona kuongorora maitiro ebhizinesi. Kudiwa kweSoftware Solutions yekuunganidza uye ongororo data iri kukura. Semuenzaniso, source scrub inopa chikuva kuti ishandise kusangana uye kutora kutengeserana. Mhinduro yacho inokutendera kuti iwe ugone kuunganidza uye ongorora iyo dzakasiyana siyana dzemakambani, dzingangove nhengo dzeM & A-kutengeserana. Nekuda kwekushandisa kwayo, mabhangi ekudyara anogona kuwana vangangove vatengi nekukurumidza.
Kubatana kwakadaro kunobatsira uye vamiriri vezvikamu zveFintech vanogona kushandisa ruzivo uye hombe data arrays vanounganidzwa nemasangano ekudyara ekudyara kuti vazive bhizinesi ravo. Mhedzisiro yekudyidzana kwakadaro, yaive yekubuda kwemakirasi ebhengi sebasa (bank-se-service), uchibvumira vatambi kuti vabatane neAPI uye kugadzira yavo zvigadzirwa zvemari uye masevhisi. Kushandiswa kwekuvimbika uye kwakakodzera kune zvese zvekuzvidzora zvinodiwa zveZvekusimbisa kwebhengi kunobvisa makambani anowedzera kubva pakuda kugashira rezinesi rebhangi uye kukurira zvimwe zvinhu. Kuvhura kwemapuratifomu akadaro kunobatsira kumahombekombe, kubva mune ino makambani eFintech anoita sevatengi, uye kwete kukwikwidza.
Kana dziri dzehunhu hwakanyanya-tenga mune yekudyara uye zvemari chikamu, panogona kuve ne blockchain uye yekungwarira (AI). Zvemasangano emari pasi rese, kusuma kweBlockchain kwave kungoita mainini. Aya matekinoroji haana kukodzera kurongedza kutengeserana kwemitengo Pfungwa yechipiri inonyanya kukosha, sezvo makambani emari emari anogara achi "pasi pekuona" kwevanopinda. Asi kana iyo yekumhanya yekuita kweblockchain zvishoma nezvishoma zvishoma nezvishoma, kushandiswa kweI II Tekinoroji kuchiri kuwana mwaka.
Kubata kuti uwane huwandu hwehupfumi hwehupfumi, masangano emari anozvipira kuisa mari yekuda kuAi, kunyangwe kushushikana kwematongerwo enyika. Mafambiro makuru mune iyo yekungwara injere rave rakanyanya kuparadzaniswa basa revatengi uye kurwisa hunyengeri. Mabheji ekutaura akatogona kubata zvikumbiro zvakawanda zvevatengi, uye ia algorithms anokwanisa kuona angangoita ekunyepedzera mashandiro uye zivisa vatengi nezvavo. Mhinduro yemabasa maviri chete aya anoona kukosha kwekuchengetedza mari.
Ini ndichataura kuti ese akanyorwa maitiro akakodzera kune ese epasi rose uye Russian investment uye zvikamu zvemari.
- Ndeapi maitiro makuru ari mumunda weB2B mune yepasi rose chikamu chemari?
- Chidimbu uye chakakonzerwa neakavharirwa muzvirevo zvakawanda zvakatemwa maitiro mune chikamu chemuratidziro. Iyo huru inosanganisira: Kukurudzira kutengeswa kwekutengesa mu "chifananidzo", kuwedzera basa remikana yekuzviitira wega, shanduko kubva kumisangano yefoni nekukurukurirana kwefoni mukukurukurirana kwepamhepo. Panguva imwecheteyo, makambani mazhinji ane chokwadi chekuti shanduko dzakawanda dzakaumba inonzi "chokwadi chitsva" chichaenderera mberi mune ramangwana. Kana iyo yekutanga online inotengesa kutengesa pamwe nemutengi yakakonzera kusava nechokwadi, zvino vazhinji vanoziva kugona kwayo kukuru. Ini ndichacherekedza kugadzirira kwekutenga kukuru muB2B chikamu.
- Zvinoita here kuti utaure kuti B2B chikamu chiri kufamba munzira imwechete iyo iyo B2C Chikamu cheB2c chakatanga kusimudzira pamberi pake?
- Ehe, zvishoma nezvishoma B2B inosangana neB2C: Vanhu vakamirira kuti munzvimbo dzese dzebhizinesi uye hupenyu hwezuva nezuva ivo vanowana zvakafanana vatengi ruzivo rwevatengi. Mune ino kesi, inonyanya kuve nezve online yekudyidzana ruzivo. Usakanganwa nezve basa rinowedzera reMirenilov. Vaya vanoshanda kuti vatenge paAmazon kana Aliexpress kubva paudiki, vachasarudza nzira yekupindwa kwakadaro uye mubhizinesi. Kuendesa B2C Kubatsira Kwemakambani, Vatengesi Vanofanira kupa vatengi nekukwira kwekutanga kwekutsvaga, kuongorora uye kuenzanisa kwezvinhu uye masevhisi. Rurumra masevhisi anovakirwa pane zvehunyanzvi ratings uye anoyeuka kwevashandisi chaiwo vanogona kukumbirwa pano. Kuitwa kweCrate-Sales Strategy inokutendera kuti uwedzere kuenzana cheki. Hapana shoma yakakosha kune yemutengi anokwanisa kuwana ruzivo rwakawanda nezve chigadzirwa kana sevhisi mukuvhura mukana, uye nekuzviona).
Mapuranga eDhijitari Shanduko- Ndiani anotakura basa rinokosha mukushandurwa kweDjitari kwemakambani emari? Kubva pane yako chiitiko, ita sei chikamu chemari chine vashandi vanodiwa uye ruzivo kana zvakanyanya zvinokwezva nyanzvi dzekunze kwavari? Pane "Elite International Elite" of Nyanzvi Mune Dhijitari Shanduko?
- Semutemo, masangano anodzidzisa dhijitari yekuchinja kwavo, sezvavanonzwisisa kuti maitiro ebhizimusi akarongwa sei, izvo zvinofanirwa kuwanikwa nekuchinja kwedijitari, izvo kune zviwanikwa nemikana kune izvi, kusanganisira zvemari.
Asi kukurudzira kushandurwa kunogona kubva kunze, kunyanya pane makambani akadai saMcinsey, Boston kubvunza Boka, Bain, Deloitte, KPMG, Ernst & Mudiki uye Mutengo Weseaterhoopscoops. Ndezve ivo vanogona kuverengerwa kune vakuru vari mumunda weDjitari Shanduro. Kuongororwa kwekunyora kwenyika kurerutsa masangano mazhinji akapamhama kupfuura chero chitambi chemutambi. Mukuwedzera, ivo vane ruzivo mukuita mitezo mizhinji yemapurojekiti kutenderera pasirese uye kugona kubatana nemamwe matunhu kana pasina nyanzvi dzakakwana mumamiriro ezvinhu emoscow. Kukwezva vaparidzi vekunze vanovhura mukana kune zvakanakisa pasi rose maitiro. Panguva imwecheteyo, ndinotenda kuti nyanzvi dzekunze dzinogona kubatsira kuvaka zano redhijitari rekushandiswa kweizvo bhizinesi richava nebasa rakazvimirira. Iyi nzira inonyanya kushanda uye kubva pane imwe pfungwa yekuona.
- Wakave sei iwe pachako wakava nyanzvi mukuvandudza bhizinesi rekubudirira uye dhijitari shanduko?
- Kwemakore anopfuura mana, ini ndaive nemazambiringa emubhadharo pane zano uye kushanda kwekushandisa kwemasangano emari, kusanganisira mari uye mabhanga ekutengesa. Pakati peino nguva ndakaenda kutora chikamu mumapurojekiti emabhangi ekunze uye yeRussia. Izvi zvakaita kuti zvikwanisike kuti uwane ruzivo uye nekunzwisisa kwakadzama kwegadziriro yekuRussia neyenyika yese, seyebhizimusi maitiro emari yemari. Ipapo ndakashanda muparara yekudyara yeSberbank, kwaakawana mukana wekuwedzera ruzivo rwake, uye nekuona zvakare kuti sarudzo dzakarongeka dzinoitwa mukuita.
- Ndechipi chiitiko chakawana muRussia chave mukana wako wekukwikwidza muUSA?
- Kana uchitsvaga basa muUnited States, mukana wangu wandinogona kuwana ruzivo mune imwe nyika yekukurukurirana. Mushandirwi kubva chero kupi zvako munyika zviri pachena kuti chiitiko chemushandi chine mushandi akadaro anoshandurwa nyore. Yechipiri mukana wandinofunga nezvedzidzo. Iyo moscow Institute of Fizikiti uye tekinoroji, yandakapedza kudzidza, ine mukurumbira seyakasimba hunyanzvi hwekuyunivhesiti uye kuzivikanwa kwenyika dzese munzvimbo iyo nharaunda. Kazhinji, chiitiko chandakava nacho panguva yekuenda kuUnited States chakanzwisiswa uye mukuda.
Panguva imwecheteyo, ini ndoda kuona kuti basa racho muRussia bhangi rakandibvumidza kuti nditarise matambudziko ezvematambudziko epasi rose. Zvakare izvi, ndakagumisa kuti chiitiko chemakambani eRussia hachina kukosha uye chakanyanya pamberi pehunhu hweMusika weAmerica.
- Ndeapi masangano uye hunyanzvi hunodiwa kuti ashandure masangano emari? Ndedzipi nyanzvi dzinofanira kutsvaga kumabhangi eRussia uye mari yekudyara? Uye kupi kwekuvatsvaga?
- Shanduko yemasangano emari inogona kuzivikanwa nebasa reprojekiti, iyo inosarudza vese vashandi vane mhosva yekuchinja kwedhijitari. Vanofanira kukwanisa kuronga basa rekushanda, kuti vataure pakati pemano ese akabatanidzwa. Vanodawo kunzwisisa mativi ehunyanzvi eiyo purojekiti iri padanho rimwe chete. Asi chinhu chinonyanya kukosha kugona kuona iyo pikicha yakazara, pasina kubhadhara mhinduro yemabasa azvino mabasa. Mukufunga kwangu, vashandi vekuterera makambani, mamaneja eprojekiti akakodzera zvakakwana basa renjodzi zvakadaro. Ndokunge, avo vane ruzivo mukuronga nekutarisira maitiro acho, uye zvakare vane musika wakawanda uye neruzivo rwemusika. Unogona kutsvaga nyanzvi dzakadaro pakati pevadzidzi vakapedza kudzidza pamusoro mayunivhesiti emhando yepamusoro.
Russia neUSA: kusvika zvino- Vanogona here nyanzvi yeRussia vakawana ruzivo muUnited States, vanova vatungamiriri venzvimbo yemakambani eRussia emari? Ndeapi mhiri kwemakungwa avo anogona kunyanya kubatsira?
- mukana wakanyanya wevanyanzvi hwakadaro chiitiko chekushanda mumisika yepasi rose. Makambani mazhinji eAmerica anotanga kutungamirwa kwete kumusika wemba chete, nepo bhizinesi romumba richinyatso kupinza kuRussia, zvakanyanya, kune nyika dzeCIS. Global Vision Inoratidza manejimendi ezviitiko kune imwe nhanho nyowani, inopa mukana wekuwana misika mitsva uye chigadzirwa chigadzirwa. Kubva pane maonero ekufunga kwekutarisa uye vanhu vari muUnited States zvakanyanya zvine hukama nekuvaka tsika yemusangano, iyo pakupedzisira inowedzera kushanda kwebasa. Kana iwe ukatarisa pane chimwe chikamu chemari, United States inoita semutongi wenyika yeInternational, nekuti izvo zvinodiwa kuti dzimwe nyika dzakagadziridzwa. Kuziva nezvekuti maitiro ezvigadzirwa zveAmerican emari ari kunyatsobatsira.
- inzvimbo dzeRussia dzeRussia dzeCours kubva kumadokero mumunda weDhijitari Shanduko?
- Mukuwanika uye kugovera kwezvigadzirwa zvemadhijitari uye masevhisi, Russia inonyanya kukura kupfuura iyo United States. Izvi zvinonyanya kuoneka mumunda webhangi, retail uye kubhadhara. Semuenzaniso, muhunited States of Intrabank Shanduro ichiri kutora mazuva akati wandei. Kubhadhara kusabvumidzwa hakuna kugashira kugoverwa kwakawanda. Muzvitoro zvakawanda hazvigoneke kubhadhara kuburikidza neGooglepay uye Applepay Systems. New York Metropolitan chete makore mashoma apfuura, akatanga shanduko yekubhadhara isina kusangana; Kukwidziridzwa maitiro aya chete nekutanga kweiyo dengic.
Iyo yakakosha jaini yemakambani eRussia kubva kuAmerican inoonekwa mune zvese zvakabatana nekuvakwa kwemutengi ruzivo rwevatengi. Kunyangwe zvisingagone kutaura kuti izvi zvinoenderana zvakananga nejira rekuchinja. Asi dzimwe nguva zvinokwanisika kugadzirisa chero mubvunzo kana kudzima mubhadharo wekufungidzira nefoni zvakanyanya kukosha kupfuura nyore uye kuwanikwa kwenharembozha.
Pane basa rakadaro - chigadzirwa maneja- Ndeapi misiyano iri mubasa rechigadzirwa manejimendi muUSA neRussia?
- Zvakakodzera kuisa mutsika kusiyana uye musiyano mukusvika pakuvaka kutaurirana. MuRussia, nharaunda yakasimba kwazvo iyo zviri nyore kuwana mutauro wakajairika. Zvakanyanya kuomera izvi muNyika, nekuti timu inogona kuve yenyika uye inosanganisira vanhu vane yakasiyana kwazvo biscard. Izvi zvinogona kunge zviri kuwedzera kubva pane maonero ekutsvaga mazano matsva uye kuchinjanisa ruzivo, asi zvinokanganisa kuvaka kutaurirana kwemukati. Muzhinji, musimboti mukuru wekuvaka timu kutaurirana kwehunyanzvi uye maitiro, izvi zvinogona kunge zvakaderera pane chimwe chinhu, asi nhengo dzese dzechikwata dzinonzwa dzakagadzikana.
- Maneja wechigadzirwa anochinja sei nhasi?
- Kukosha kweNyanzvi dzakadaro dzinowedzera nekuda kwekuti mamiriro ezvinhu aripo ari kuchinja nekukurumidza: mabhureki emutariri wekugadzira anoreva basa rekuchinjira kwavari. Hunhu hwehutungamiri uye kubatanidzwa kwepamoyo kunouya pamberi. Muchiedza chenguva yekuti nhasi zvikwata zvakawanda zvinoshanda mumamiriro ekunze, basa remaneja ndewekuchengetedza kukurudzira, kutarisisa kwemhedzisiro uye huwandu hwepamusoro hwevashandi vese kusanganisira vashandi. Ita kuti zviome zvakanyanya kuoma.
Kuitiswa Konstantin Frumkin