I-Sezzle izabalazela ukuba, ngokwezixhobo zayo zentengiso, ngokungafihlisiyo ekuhleni malunga nokwenza kwayo imali.Ngokunyanisekileyo kwe-Sezzle Abantu baseMelika bachitha ngaphezulu kwe-500 yeebhiliyoni zeedola kunyaka ophelileyo kwi-Intanethi, benyuka ngepesenti ye-15 kunyaka ophelileyo, ngokutsho nje kutshanje isifundo seshishini . Ukuba icandelo liqhubeka nokukhula kwisiqwengana esifanayo, i-e-commerce, engaphantsi kweminyaka emine, iya kuba lishishini le-trillion-dollar.
Hlala kuleyo okomzuzwana.
Ukuthenga kwi-Intanethi, okwakungabikho kwiminyaka engama-20 eyadlulayo, ngoku kwenza idola elinye kwalixhenxe asetyenziswa ngabantu baseMelika kwintengiso.
Ewe, xa amanani e-e-commerce afana nalawa ephuma, ingxelo ebalaseleyo idla ngokuba ngubani onesiqwenga esikhulu sale pie isoloko isanda (ingcebiso: iqala ngo-'a ', iphele ngo-'n' kwaye ibizwa emva kwehlathi laseMzantsi Melika). Kodwa amaxesha ngamaxesha, elahlekileyo kwimithi yale marike ye-XXL yimbali yimbali yabanikezeli bokuhlawula abenza konke kwenzeke-iqela eliguqukileyo ngokumangalisayo lincinci kakhulu ukusukela kwiintsuku zokuqala ze-intanethi yokudayala. Izixhobo zentlawulo ezifumanekayo kubathengi abakwi-intanethi kwindawo yentengiso yanamhlanje zisekhona iinkonzo ezifanayo ezazinikezelwa kubathengi beKlabhu yeDiners phaya kwiminyaka yoo-1980. 
I-Sezzle iba yinto yomrhwebi kunye nomthengi oyithandayo ngenxa yokulula kwayo.Ngokunyanisekileyo kwe-Sezzle
Namhlanje, enye kwiidola ezintathu ezichithwe kwi-intanethi Uhlawuliswa kwikhadi lekhredithi yemveli-inani elixhuma liye kuthi xhaxhe kwiidola ezimbini xa kubandakanya ukuchitha kunye neeWalets, ezinje ngeApple Wallet, iSamsung Pa, kunye noGoogle Pay, nto leyo engenanto ngaphandle nje kweengxowa zedijithali ezikhuselekileyo ezinxulunyaniswe namakhadi etyala kunye ukubiza amakhadi afana neVisa kunye neAmerican Express.
Kodwa konke oko kuyatshintsha; Iingcali zikholelwa ukuba inani elitsha, amanye amaqonga okuhlawula i-e-commerce aza kushukumisa ishishini lokuhlawula kwi-Intanethi, adlale indima ebonakalayo kwicandelo-kwaye kanye njengoko i-e-commerce yase-US ichitha ama-surges ukuya kula marandi e-trillion-dollar.
Ehlabathini jikelele, kukho iindlela ezininzi zokuhlawula ezandayo ukuhlangabezana neemfuno ezithile zeemarike zalapha ekhaya. Ukusuka kumanqaku amatsha aqengqelwa kwi-PayPal ukuya kwi-peer-to-peer money transfer apps ezinje ngeVenmo ukuya kwi-WeChat yase China, kukho iindlela ezahlukeneyo zokuhlawula ngaphaya kweVisa esemgangathweni okanye i-Amex. Kodwa abahlalutyi abaninzi bakholelwa kwelokuba eyona nto iphazamisayo kwinkqubo yentlawulo yangoku iya kuba yinkampani yeenkampani ezidlala kwindawo ekuthiwa yeyokuhlawula emva. Ezi nkampani zintsha ziza kunika abathengi amandla okwahlulahlula izinto ezincinci neziphakathi kwiseti yeentlawulo eziza kuhlawulwa ngenzala xa zingena kwintengiso kwangoko.
Ixesha lezi nkonzo zintsha ziyimveliso yolunye uhlobo olukhulu lwentlawulo-ukusweleka kwekhadi letyala.
Amaxabiso okwamkelwa kwamakhadi okuthenga ngetyala ayawa phakathi kwabaseMelika abancinci; ngama-33 epesenti kuphela abaneminyaka eli-18 ukuya kwengama-29 ubudala ngokokutsho kolunye kutsha nje ukufunda unayo. Iingcali ezininzi zithi lo mkhwa ubangelwe yingxaki yemali yehlabathi ka-2008, ethe yahlasela iiMillennials ezininzi njengokuba zazitshintshela ebudaleni. Sisizukulwana esibonele kufutshane nefuthe lokufumana amandla ngaphezulu kunye nokuchitha ngaphaya kwendlela umntu anayo.
Eli candelo lizayo kunye nelizayo lentengiso yentengiso likwinqanaba elisezantsi kangangokuba lisenengxaki yokuchaza into yokuzibiza. Ngelixa i-moniker yasemva kokuhlawula ifumene ukubambeka, abanye bayibiza ngokuba thenga ngoku, hlawula kamva, layaway yedijithali, iintlawulo ezimiselweyo, kunye neqonga lokuhlawula ngezavenge. Mhlawumbi njengoGoogle, ophumelele imfazwe yokukhangela, ishishini lokuhlawula emva kwexesha ngenye imini liya kuchazwa ngegama lenkampani egqibela ukukhokela icandelo.
Nokuba ishishini ligqibe ekubeni lizichaze njani, eyona nto icace gca yile: Abane kwabahlanu baseMelika bahlala bhatala ukuze babhatale , kwaye ngokukhanya, la maqonga okuhlawula amiselweyo awanikezeli ngenkonzo enyanzelisayo, kodwa ezalisa imfuno ebalulekileyo kwindawo yentengiso.
Amagama amakhulu kweli candelo mhlawumbi angaqhelekanga kuninzi lwabantu baseMelika abanamagama afana nala Qinisekisa , Emva kokuhlawula , Klarna , Yahlula kwaye Sezzle , Kodwa uninzi lweengcali zeshishini zibonisa ukuba ezinye zeenkampani zinokuthi zivele njengeeVisa kunye neeMastercards zexesha elizayo, ezijongene nenxalenye ebalulekileyo yazo zonke iintengiselwano ezikwi-Intanethi eMelika nakwilizwe jikelele. Inkokeli eYurophu yiphulo laseSweden elibizwa ngokuba yiKarlna, ngelixa inkampani ithathwa njengekhokelayo kuguquko kwishishini lokuhlawula laseMelika yi-Sezzle esekwe eMinneapolis, ethe kwisithuba esingaphantsi kweminyaka emibini yabhalisela ngaphezulu kwe-3 300 yabarhwebi kwaye isandula ukubhengeza ukwanda kwayo eCanada ngentsebenziswano nesigebenga esithengisayo Kappa iimpahla zemidlalo .
Yintoni iPost-Pay?
Ehlabathini jikelele abathengi ukusuka eBrazil ukuya eMzantsi Afrika ukuya eOstreliya — iindawo ezazifudula zinamakethi abuthathaka ngetyala — baqhelene kakhulu neendlela zokuhlawula ezenza ukuba umboleki ahlawule into kwithuba nje elifutshane engenenzala. Amalungiselelo okuhlawula anje ngala sele ejikeleze amashumi eminyaka ngaphambi kotshintsho kwi-e-commerce.
Nantsi indlela yokulahla kunye nezinye iinkqubo ezifanayo ezisebenza ngokubanzi: Ngamanye amaxesha ivenkile ibamba ukuthengisela umthengi de zonke iintlawulo zenziwe ngokupheleleyo; kwezinye iimeko, ngakumbi kwiindawo ezinje ngeBrazil eneenkqubo zebhanki nezemali ezihambele phambili kwaye ezihlangeneyo, umthengisi uvumela umthengi ukuba ayithathe loo nto ayibonayo, kodwa hayi ngaphambi kokuba ashiye isteki seetsheki ezityikityiweyo emva kwexesha kunye nomrhwebi. Iya kucwangciselwa ukuhlawulwa rhoqo ngenyanga kude kuhlawulwe imali eseleyo.
E-United States, ukwanda kwamaqonga e-intanethi ‘eentlawulo ezizezinye’ —ngakumbi ezo zijolise kuhlawulo lwenzala olwenziweyo kuthotho lwezavenge zenyanga-ziyavela kwiiwindows zokuphuma kwi-intanethi; Ukanti kubathengi abaninzi baseMelika, umbono usabonwa njengento enqabileyo.
Ndikrokrela ukuba amaqonga okuhlawula amisiweyo, nangona emitsha kwimarike yase-U.S., Izokwanda ngokukhawuleza kwaye iya ibonakala ngakumbi kwiivenkile zabathengisi kwi-Intanethi, utshilo uCorey Davis, umlawuli olawulayo kwitekhnoloji yotyalo-mali kwezobuchwephesha kwezemali BTIG . Nangona umrhwebi ngokubanzi eza kuhlawula umrhumo ophezulu kwelinye iqonga lokuhlawula kunokuba kuqhelekile kumakhadi etyala, ukukhula kubungakanani bebhasikiti kunye nokukwazi ukuhambisa uluhlu oluninzi ngexabiso elipheleleyo ngaphezulu kokuhlawulela le ndleko yongezwa; abathengisi bakhetha ukuthengisa izinto ngoku kunokuba kufuneka bayothule kwinyanga ezintathu okanye ezine kwiipesenti ezingama-50. Izibalo zinyanzelisa kakhulu.
Abantu baseMelika babeqhelene kakhulu nomgaqo wokulahla, owawubambe ngexesha loxinzelelo olukhulu njengeendlela zokufumana iintsapho ngamaxesha anzima. Njengokuba kwakunjalo ngee-1930, ukunyuka kwanamhlanje kokuthandwa kweenkampani ezinjengeKarlna, i-Afterpay kunye ne-Sezzle kuza kwakhona njengoko iMelika ihamba ngesigaba sobunzima bamatyala. Nangona amalungiselelo e-post-pay online e-intanethi ekwabelana nge-DNA kunye neenkqubo ezilahlekileyo zexesha elidlulileyo, uluhlu lwezinto ezifumanekayo kubathengi banamhlanje kwi-intanethi zizinto ezikude kakhulu kwiindlela zentengiso zabathengisi.
USezzle ngoyena ubukele
Ukuqiniseka, akukho namnye wabadlali kwisithuba sokubhatala esimiselweyo ezingezo ngeniso, ukanti iSezzle iba yinto yomrhwebi kunye nentandokazi yabathengi, ngenxa yokulula kwayo ngokupheleleyo; yimveliso enye-ayiyiyo imenyu eyoyikisayo yokukhetha ukuhlawula, nganye ineprinta yayo entle. Ngokungafaniyo nabanye abakhuphisana nabo, njenge Ukuhlawula emva kwePaypay Okwangoku ejongene neenkxalabo ezivela kubalawuli malunga nokuthotyelwa kwenkampani ngokuchasene nemali kunye nemithetho yokuxhasa abanqolobi, uSezzle uzama ukuba, ngokwempahla yakhe yokuthengisa, ngokungafihlisiyo ngendlela ayenza ngayo imali. 
Iqonga le-Sezzle livulelekile kuye nakubani na, kodwa inkampani ibeke ngokucacileyo indawo yayo kubathengi abancinci-i-Millennials kunye neGeneration Z.Ngokunyanisekileyo kwe-Sezzle
Nantsi indlela esebenza ngayo: Abarhwebi bahlawula i-Sezzle umrhumo wokulungisa-ubukhulu becala iipesenti ezintandathu zexabiso lokuthenga-nokuba, nangona bephakame kunabathengisi abahlawuliswayo ngokuhlawulwa kwekhadi letyala, benza ukuba abathengi bandise amandla abo okuthenga ngokuqhuba ukuthengisa okunyukayo, ukuvelisa ngaphezulu Ubungakanani bebhasikithi, ukufumana abathengi abatsha kunye nokuhambisa utshintsho oluninzi.
Umphathi we-Sezzle kunye nomsunguli-mbutho, uCharlie Youakim, ngesiqhelo uthi ufuna abathengi bazi ukuba bayenza njani imali kwaye bachaze amava okuhlawula. Oku kuyaphikisana neenkampani ezinjengePayPal, ezihlala zigxekwa ngabathengi ngokujongana nabathengi ngendlela engacacanga njengoko betshixela iitalente zabo kulwazi lwebhanki kunye nekhadi lokuthenga ngetyala.
Kodwa ngabathengi abangabaphumeleleyo bokwenyani nge-Sezzle, kuba banokufumana izinto abazifunayo ngoku, kodwa bahlawule ngokuhamba kwexesha, ngaphandle kokwenza eyona nto iphambili kwikhredithi yabo okanye ukuphazamisa uhlahlo-lwabiwo mali lwenyanga. Imirhumo kuphela i-Sezzle ehlawulisa i-shopper kwimeko yokungaphumeleli okanye ukuhlengahlengiswa kwentlawulo, kwaye u-Sezzle uthumela izikhumbuzo kunye ne-imeyile kubathengi ukuthintela ukuhlawulwa kade kungenzeki.
Sukuyenza impazamo ngayo, uSezzle yindlela yokuhlawula iipesenti ezingama-99 eziseMelika, wabona uEthan Bearman, ongumhlalutyi kwiFOX Business Network. Sonke sinamaxesha apho sidinga into ngoku, kodwa asifuni ukukhupha i-tab enkulu kwikhadi lethu letyala. Mhlawumbi ikhadi sele likhutshiwe, okanye mhlawumbi, njengakwimeko yabaninzi abancinci baseMelika abakubonileyo okwenzekileyo kubazali babo abachitha ubomi babo bebadala bebotshelelwe ngamatyala enzala aphezulu enamatyala, balungile 'ukushiya ikhaya ngaphandle kwalo. '
Iqonga le-Sezzle livulelekile kuye nakubani na, kodwa inkampani ibeke ngokucacileyo indawo yayo kubathengi abancinci-i-Millennials kunye neGeneration Z.
Ukuhlawula emva koko, kwelinye icala, ngaphandle kweengxaki zayo ngoku kunye nabasemagunyeni bamazwe aphesheya, yinkampani esekwe e-Australia esebenza e-US ukusukela kwangoko nge-2018; inika abathengi amandla okwahlula izinto abazithengileyo ngezavenge ngepesenti yenzala. Ukunkqonkqoza emva kwe-Afterpay ibikukucaphuka kwayo-abanye basenokuthi ngendlela eyoyikisayo-indlela yokuhlawuliswa kade. Kunyaka ophelileyo, epheleleyo Iipesenti ezingama-24 yengeniso yenkampani ivela kwimirhumo yasemva kwexesha. Nangona kunjalo, u-Afterpay uye waba yindlela yokuhlawula ngokukhawuleza e-Australia nase-United States. Iingcali zicinga ukuba i-Afterpay iya kuba ijikeleze ixesha elithile, kodwa kufuneka ifikelele kugxilwe kubathengi be-Sezzle kunye nokulula.
I-Klarna, inkampani yaseSweden ('klarna' ithetha ukuba 'kucacile' ngesiSweden) ngoyena mdlali ubalaseleyo eYurophu kwaye ebesebenza e-US iminyaka eliqela. EYurophu, inkampani isebenza nezinye zeemveliso zentengiso eziphambili ezinje ngeAdidas, H & M, IKEA, Zara, Wish.com kunye neSephora. Inkampani inikezela ngezavenge zentlawulo ezibiza inzala, iintlawulo zezavenge ngaphandle kwenzala, kunye nokuzama ngaphambi kokuba uthenge isisombululo; Iimveliso ezikhoyo ziyahluka ngokuxhomekeke kubarhwebi nakwezo zithengayo, kodwa esinye sezizathu zokuba uKarlna akhubeke kancinci e-US kukuba itshintshe amagama kunye nemigaqo yeemveliso zayo rhoqo kangangokuba ibangele ukudideka kubathengi, okubonisiweyo kumanqaku ahlolileyo kubathengi. Mhlawumbi ingxaki ngakumbi kukuba, ngokungafani ne-Afterpay kunye ne-Sezzle, i-Klarna ihlawulisa abathengi kwezinye iimveliso nge-APR ephezulu, eyenza ukuba ibe ngaphantsi kwendlela yokuhlawula emva kokuhlawulwa kunemveliso yekhredithi enokuba nefuthe elibi kumanqaku ekhredithi yabathengi.
Enye inkampani ethe yaphumelela kwangoko yiSan Francisco esekwe e-Affirm, umniki-mboleko wentengiso wentengiso. I-Affirm yayingomnye wabangeneleli bokuqala kwishishini, egxile ikakhulu kwizinto ezinkulu zamatikiti ngaphezulu kwe- $ 1,000, ezinje ngoomatrasi kunye nefenitshala. Qinisekisa kuphela ukuvumela ukutsalwa kwemali kunye nokujonga iindlela zokuhlawula iimali mboleko zabo kodwa ivumela abathengi ukuba bahlawule kwangethuba ngaphandle kwemali okanye isohlwayo; abo bangahlawuli ngexesha nge-Affirm banokuba nefuthe elibi kumanqaku abo etyala.
Abanye abadlali kwihlabathi liphela ngokwahluka okwahlukileyo kwimveliso yokuhlawula emva koku kubandakanya iPayBright, iZip kunye neQuadPay, ukongeza kwinani labathengisi abakhulu abazama izisombululo ezizezabo.
Imodeli yentlawulo ethi 'thenga ngoku uhlawule kamva' iyasusa e-US, kwaye nangona abathengisi abakhulu banokuzama izisombululo zabo, ekupheleni kosuku, njengabantu abangafuni ukuba nekhadi lekhredithi elithile Zonke iivenkile abathenga kuzo, sicinga ukuba abathengi baya kutsalela kwindawo enye okanye ezimbini eziza kwamkelwa ngokubanzi kwindawo yentengiso ekwi-Intanethi, utshilo uYezakle kaSezzle. Siyakholelwa ukuba inkampani yethu ibekwe kakuhle ukuba ibe sisisombululo 'sokuhlawula izavenge' kuyo yonke into yentengiso.
Kubarhwebi, ukufika kwezisombululo zasemva kokuhlawula kuye kwaba lulutho kwintengiso.
Abathengi abavela kwihlabathi liphela baya ngokuhambelana nokuguquguquka kwetekhnoloji, kwaye bafuna esona sisombululo silandelayo siqwalaselwe uPuneet Girdhar, umphathi we-Kappa Canada osebenzisana no-Sezzle njengoko ukuphazamiseka kwentlawulo kuqalile kumlo wokuqala ngaphandle Intengiso yaseMelika. I-Sezzle ivumela abathengi bethu ukuba babe nenkululeko kwinto kwaye bathenga njani. Sisoloko sifuna ukuqinisekisa ukuba abathengi bethu baziva benentembelo kwaye bonwabile ngelixa bethenga nathi, ngaphandle kwamathandabuzo.
Umzi mveliso weentengo zemboleko wakhiwe kukungaziphathi kakuhle kwaye uzuze kubathengi ngokungahlawuli ngexesha-inkuthazo ayihambelani kwaye kufuneka siyitshintshe le paradigm, u-CEO we-Klarna u-Sebastian Siemiatkowski uxelele i-Braganca. Abathengi banobuqili, bajonge indlela eyahlukileyo nengcono yokuhlawula.
Kwaye kwimarike yesiqingatha seetriliyoni zedola ekulindeleke ukuba iphindwe kabini emngciphekweni, ukuhlawulwa kwangemva kokuhlawula ngomnye abathengi baya kufuna ukugcina iliso labo lijongiwe.
