I-PayPal inqume ukuvuselela abaphathi bayo abaphezulu futhi ikhethe isakhamuzi saseSpain. U-Enrique Lores ukuhola inkathi entsha yenkampani yokukhokha yedijithali yomlando. Isikhulu esiphezulu, okwamanje esingumphathi ophezulu kwa-HP, sizothatha isikhundla sokuba ngumongameli kanye ne-CEO enkampanini yamazwe ngamazwe kusukela ngo-2018. March 1, ngesikhathi esibucayi sebhizinisi kanye nezimakethe zezimali zihlola yonke into eyenziwa yiqembu.
Ushintsho luza ngemuva kwezinyanga ezimbalwa lapho ukukhula kwemali engenayo kanye nenzuzo Ukusebenza kwenkampani akukafiki ezingeni elibikezelwe ngabahlaziyi, futhi imakethe isijezise kakhulu isitoko. Ezinyangeni eziyishumi nambili ezedlule, inani lemakethe le-PayPal libhalise ukwehla okukhulu, okwenza ibhodi lisheshise ushintsho obekulindeleke ukuthi luthathe isikhathi eside, ngokusho kwemithombo ehlukahlukene yemakethe.
Ushintsho oluqhubekayo ngemuva kokuhamba kuka-Alex Chriss
Ukuqokwa kukaLores kuhambisana nokuhamba kuka Alex Chrissowayethathe izintambo ze-PayPal ngo-2023 enesibopho sokuqalisa uhlelo olukhulu lokuvuselela. Ngemva kokuhlolwa kwangaphakathi, ibhodi laphetha ngokuthi, yize kube khona intuthuko ezindaweni ezithile"Ijubane lokushintsha nokusebenza" alizange lihambisane nemigomo ebekiwe yokushintsha inkampani ibe yimbimbi nabancintisana nayo.
Ngesikhathi sokuguquka, iSikhulu Esiphezulu Sezezimali Nezokusebenza samanje, UJamie Miller, izosebenza njenge i-CEO yesikhashanaIbhodi elibusayo liqoke futhi UDavid Dorman Njengosihlalo ozimele webhodi labaqondisi, ungumuntu obalulekile ekuqondiseni lesi sigaba esisha samasu kanye nokuqinisa ukulawula ukuqaliswa kohlelo lokuguqulwa.
Ekuxhumaneni okuqondiswe emakethe, inkampani igcizelele ukuthi lesi sinqumo siphendula impendulo isibuyekezo esiphelele sesikhundla sakho sokuncintisana kanye nendawo yonke yomkhakha wezinkokhelo. Ukutholakala kwesifo kusobala: inkampani idinga ubukhali obukhulu, ukuzithiba kokusebenza, kanye nokugxila okuqinile ekusunguleni izinto ezintsha ukuze ilondoloze indima yayo yokuhola ngokumelene nezinkampani ezinkulu zobuchwepheshe kanye nabasanda kuqala. fintech.
Ukusabela kwemakethe yamasheya esimemezelweni soshintsho kwaba ngokushesha. Ngosuku okwamenyezelwa ngalo ushintsho oluphezulu kanye nemiphumela yekota yokugcina, Amasheya e-PayPal ehle ngaphezu kuka-16%-18%. ekuhwebeni kwangaphambi kwemakethe eWall Street, okubonisa ukukhathazeka kwabatshalizimali mayelana nombono ka-2026 kanye nokwehla kwebhizinisi lokukhokha.
Isimo sezezimali esiyinkimbinkimbi kanye nokuncipha kokulindela
Ushintsho ebuholini luhambisana nokwethulwa kwabanye imiphumela yekota ingaphansi kokulindelekileKwikota yesine ka-2025, inkampani iqophe imali engenayo ecishe ibe yi- Izigidi ezingama-8.676-8.680 zamaRandiLokhu kusho ukwenyuka konyaka nonyaka okungaba ngu-4%, kodwa akulingani nezilinganiso ezivunyelwene ngazo ezingaba ngu-€8.8 billion. Inzuzo ephelele yaleso sikhathi yayicishe ibe yi-€8.8 billion. Izigidi ezingama-1.437-1.440 zamaRandiLokhu kumelela ukwanda cishe ngo-28% uma kuqhathaniswa nonyaka odlule, kodwa akwanele ukuthulisa izimakethe.
Esikhathini sika-2025, i-PayPal ithole inzuzo edlula amaRandi ayizigidigidi ezingu-5.200, ngokukhuphuka cishe ngo-26% uma kuqhathaniswa nonyaka odlule, kanye nemali engenayo eyayicishe ibe Ama-dollar ayi-33.172, futhi ngokukhula okungu-4%. Naphezu kwalezi zibalo, kugxilwe kakhulu izilinganiso zika-2026lapho inkampani ngokwayo ilindele khona ukuvela okuphansi kakhulu.
Iziqondiso ezintsha ziphakamisa ukuthi amaholo alungisiwe Umbono wonyaka wonke ungasukela ekwehleni okuncane, okuphansi kwenombolo eyodwa kuya ekwenyukeni okuncane kakhulu, okungaphansi kakhulu kokuthuthuka okulinganiselwa ku-8% okulindelwe ngabahlaziyi abahlukahlukene. Kwikota yokuqala ka-2026, inkampani ibonise inzuzo ephansi ngesabelo ngasinye kunalokho imakethe ebikulindele, okuqinisa umbono wokuthi ukukhula kuyaphola.
Le nhlanganisela ye imiphumela ebuthakathaka kanye nezibikezelo eziqaphile Lokhu kubangele inkathazo kubatshalizimali, abebelokhu beqapha ukuvela kwenani lokukhokha elicutshungulwa yipulatifomu kanye nekhono le-PayPal lokuhlanganisa izinzuzo zayo endaweni yezinga lenzalo, imithethonqubo, kanye nokuncintisana okudinga kakhulu kunaseminyakeni edlule. ukuchuma kwezentengiselwano nge-inthanethi ngemva kobhubhane.
Umbono womkhandlu: isiyalo, ukusungula izinto ezintsha kanye nobuholi obusha
Ubuholi be-PayPal buveze ngokucacile ukuthi buthethelela ushintsho lwendlela. Ezitatimendeni zakhe, umongameli omusha ozimele, UDavid Dorman, uchaze u-Enrique Lores njengo "umholi onemibono" Njengoba inesipiliyoni esikhulu ekuphatheni izinguquko eziyinkimbinkimbi kanye nomlando oqinisekisiwe wokusebenza ngendlela ehlelekile emhlabeni wonke, inkampani ifuna umuntu ozokwazi ukuhlanganisa isifiso samasu nokulawula ukusebenza.
Ngokusho kwenkampani uqobo, ukuhlolwa okwaholela ekuqokweni kwesikhulu saseSpain kugxile ekuhlaziyeni kwakhe umsebenzi emkhakheni wezobuchwepheshe kanye nekhono layo lokubeka kabusha amabhizinisi avuthiwe abe amamodeli asekelwe kusevisi, okubhaliselwe, kanye nokusungula izinto ezintsha okuqhubekayo. Ibhodi likholelwa ukuthi lokhu okuhlangenwe nakho kuhambisana nezidingo zamanje ze-PayPal, njengoba lifuna ukuqinisa ikhono lalo lokukhiqiza inani emakethe ehlukana kakhulu.
Ngesikhathi esifanayo, amalungu eqembu labaphathi, njengoJamie Miller, avumile obala ukuthi, yize abhalisa ngo-2025 Intuthuko yemali engenayo, imajini yokuthengiselana, kanye nemali engenayo ngesabelo ngasinyeLe nkampani ayizange isebenze ngendlela efanele ezindaweni ezibalulekile, ikakhulukazi ezinqubweni zokukhokha amalebula angasese, enye yezingxenye ezibucayi kakhulu ebhizinisini eliyinhloko.
Abahlaziyi bemboni, njengo-Adam Frisch we-Evercore ISI, baphakamise ukuthi umbuzo omkhulu manje ukuthi ngabe iLores izokhetha yini ukukhuthaza okunye ukuhlelwa kabusha okujulile neminyaka eminingi noma ngabe izohlola ezinye izindlela ezinolaka, njengokubuyekezwa kwephothifoliyo yempahla yeqembu. Kungakhathaliseki ukuthi ikhetha yiphi indlela, ukuvumelana ukuthi lesi sigaba esisha sizodinga izinqumo ezibalulekile ukuze kubuyiselwe ukuzethemba emakethe.
UmSpain ohola isiqhwaga saseSilicon Valley
U-Enrique Lores ube ngomunye wabadlali abadumile. Abaphathi baseSpain abanekhono elikhulu kunawo wonke emhlabeni jikelele embonini yezobuchwepheshe. Wazalelwa eMadrid ngo-1965, engunjiniyela kagesi evela ePolytechnic University of Valencia futhi enokuqeqeshwa kweziqu ze-postgraduate ezikoleni zebhizinisi ezifana ne-ESADE, usethuthukise cishe wonke umsebenzi wakhe e- HP, lapho afika khona ngasekupheleni kweminyaka yawo-1980 njengomuntu othole umfundaze.
Umsebenzi wakhe enkampanini yaseMelika cishe uphelele kuzo zonke izindawo zebhizinisi: waqala ngo- Uphenyo kanye nentuthukoWayesebenza kwezokumaketha, ukusebenza, kanye nokuthengisa, ephethe izikhundla zomthwalo wemfanelo ezindaweni ezahlukene, kusukela eSpain kuya e-United States naseJalimane. Lo mlando oguquguqukayo wamvumela ukuthi ekugcineni athathe ubuholi bezigaba ezibalulekile njengezinhlelo zomuntu siqu kanye nokunyathelisa.
Esinye sezenzakalo ezivelele kakhulu emsebenzini wakhe kwakuyindima yakhe ku- ihlukaniswe neHewlett-Packard yomlando ezinkampanini ezimbili ezizimele ngo-2015: i-HP Inc. (egxile kuma-PC kanye nokunyathelisa) kanye ne-Hewlett Packard Enterprise (egxile ezinsizeni kanye nezixazululo zebhizinisi). I-Lores yahola ukusebenza kwenkampani okuyinkimbinkimbi okwaholela ku-HP yanamuhla, ukuqinisa ukuziphatha okusebenzayo kanye nokwenza lula isakhiwo sezindleko seqembu.
Ngo-2019 waqokwa UMongameli kanye ne-CEO ye-HP Inc.Lesi sinyathelo sammisa njengomunye wabaphathi baseSpain abanethonya kakhulu eSilicon Valley. Kusukela kuleso sikhundla, wahola ekushintsheni kwenkampani ekuthembeleni kuphela ebhizinisini lamakhompyutha nelokuphrinta lendabuko, ehlose ukwandisa eminye imigqa yemikhiqizo. izinsizakalo, amamodeli okubhalisela kanye nezixazululo ezintsha kuhlobene nekusasa lomsebenzi, okuhlanganisa nokwamukelwa kobuchwepheshe obusekelwe ekuhlakanipheni kokwenziwa.
Lo msebenzi weminyaka eminingi e-HP, ogxile njalo ekuphatheni izinguquko zesakhiwo kanye nokuguqula amamodeli ebhizinisi, ungenye yezinto ezibalulekile esinqumweni se-PayPal sokuphathisa uLores isigaba sayo esilandelayo. Lokhu kugcizelelwa futhi okuhlangenwe nakho kwakhe kwangaphambilini njengo- ilungu lebhodi labaqondisi le-PayPal uqobo cishe iminyaka emihlanu, isikhundla abesihlanganisa nesikhundla sokuba ngumongameli wenkampani yokukhokha kusukela maphakathi no-2024.
Ukwesula emsebenzini we-HP kanye nokushintsha kwenkampani yezobuchwepheshe yase-US
Ukufika kukaLores phezulu kwe-PayPal kube nomthelela ngokushesha ku-HP. Inkampani yama-PC kanye nephrinta iqinisekisile ukuthi umphathi waseSpain usekwenzile lokho. bashiya izikhundla zabo Wasula ezikhundleni zakhe njengomongameli kanye ne-CEO, kanye nasesihlalweni sakhe ebhodini, ukuze aqale lo msebenzi omusha wobungcweti. Lesi sinyathelo siphawula ukuphela kweminyaka engaphezu kwamashumi amathathu yokuxhumana okucishe kungapheli nale nkampani yaseMelika.
Ukuqinisekisa ushintsho oluhlelekile, i-HP iqoke UBruce Broussard, ilungu lebhodi layo kusukela ngo-2021, njengoba i-CEO yesikhashanaInhlangano ebusayo iqalise ikomidi elithile lokufuna i-CEO entsha ehlala njalo futhi iqashe inkampani yamazwe ngamazwe egxile ekukhetheni abaphathi abaphezulu ukuze ithole umuntu olandelayo onesibopho sokuhola inkampani.
Ngesikhathi sokubusa kukaLores, i-HP kwadingeka ibhekane nesimo esiyinkimbinkimbi, esaphawulwa yi- ukwehla kwesidingo samakhompyutha kokubili emabhizinisini nasemakhaya, nangenxa yokungaqiniseki okubangelwa yizintela zase-US kanye nokungezwani kwezohwebo. Enye yezimpendulo zamasu enkampani kwakuwukuhlela kabusha i-global supply chainUkukhulisa ukukhiqizwa emazweni afana neVietnam, iThailand, iNdiya, iMexico kanye ne-United States, kanye nokunciphisa ukuncika eShayina.
Naphezu kwalokhu, inkampani ikwazile ukuqinisa imiphumela yayo kanye nerekhodi layo imali engenayo yonyaka edlula amaRandi ayizigidigidi ezingama-55.000, ngokunyuka okumaphakathi kodwa okuqhubekayo, ngenkathi kujuliswa ukushintshela kwayo ezixazululweni ezinenani eliphezulu kumakhasimende ebhizinisi kanye nabathengi.
Ezingeni lomuntu siqu, imibiko eyahlukahlukene ibeka uLores phakathi abaphathi abakhokhelwa kakhulu abavela eSpain emhlabeniLokhu kukhombisa isisindo asitholile ohlelweni lobuchwepheshe bamazwe ngamazwe kanye nokubaluleka kwezinkampani aziholayo.
Izinselele ezilindele uLores ku-PayPal entsha
Ukufika kwesikhulu saseSpain kufike ngesikhathi lapho i-PayPal ibhekene nezinselelo eziningi. imingcele evulekile embonini yezinkokheloNgemva kokusebenzisa ukwanda okukhulu kwezentengiselwano ze-inthanethi ngesikhathi sobhubhane, inkampani ibhekane nesimo esingathandeki kangako, lapho ukubuyela emaphethini amaningi okusetshenziswa mathupha, amazinga enzalo akhuphukayo, kanye nengcindezi yokuncintisana kuye kwanciphisa izinga layo lokukhula.
Eminyakeni yamuva nje, leli qembu liye lazama ukuhlukanisa ibhizinisi lalo ngokuthenga amasu, njengokuthenga ikhuphoni likaHoney kanye nepulatifomu yesaphulelo, kanye nokwethulwa kwezici ezixhunywe ku- izixazululo ze-cryptocurrencies kanye nezezimali zedijithaliKodwa-ke, ukuvela kwezinkampani ezinkulu ezifana ne-Apple ne-Google emkhakheni wezinkokhelo zeselula ezihlanganisiwe, kanye nokucindezelwa okuvela kubahlinzeki abakhethekile abafana ne-Stripe, kuye kwahlukanisa imakethe.
EYurophu, ikakhulukazi eSpain, ukwanda kwezindlela zasendaweni ezifana I-Bizum Ekukhokheni kontanga, kanye nezixazululo ezizimele ezivela kumapulatifomu amakhulu e-e-commerce kanye namabhange, ukubonakala kwe-PayPal kuye kwehla kwezinye izingxenye zansuku zonke. Ngaphezu kwalokho, i-PayPal isakhiwo sekhomishini kanye nokuba yinkimbinkimbi kwezinye izinsizakalo kuye kwabangela impikiswano mayelana nokuncintisana kwazo uma kuqhathaniswa nezinye izinketho.
ULores ngokwakhe uvumile ukuthi umkhakha wezinkokhelo «Kushintsha ngokushesha kunanini ngaphambili."Kuqhutshwa ukufika kobuchwepheshe obusha, ukusheshisa kobuhlakani bokwenziwa, ukuvela kwemithethonqubo, kanye nendawo yokuncintisana eyandayo. Inhloso yayo eshiwoyo ukuqinisa isiko lokusungula Ngaphakathi kwe-PayPal, yandisa isivinini sokusebenza futhi ulethe imiphumela ehambisanayo yekota ngaphezu kwekota ukuze uqinise ubuholi benkampani besikhathi eside.
Umbuzo omkhulu ukuthi izohlanganisa kanjani leso sifiso nezidingo ezisheshayo zemakethe. Indawo yokushintsha indlela yokutshala imali emikhiqizweni emisha, ukuqinisa amakhono ezobuchwepheshe, kanye nokuhlola ukuthengwa kuzoncika kakhulu ku- ikhono lenkampani lokuzinzisa ama-akhawunti ayo futhi siphinde sithole ukuzethemba kwabanikazi bamasheya ngemuva kokwehla kwamuva kwentengo yamasheya.
Isinyathelo esibalulekile sesikhathi esizayo sokukhokha ngedijithali
Njengoba u-Enrique Lores ethatha izintambo njenge-CEO, i-PayPal ingena esigabeni esisha lapho kumele iqinisekise khona indima yayo njengomunye wabaphathi bezinkampani. izinkomba zomlando zezinkokhelo eziku-inthanethiUkuqokwa kubeka umphathi waseYurophu onolwazi oluningi eSilicon Valley esikhundleni, umuntu ojwayelene nenkampani futhi ojwayele ukuphatha izinqubo zokuguqulwa okukhulu.
Inhlanganisela ye-a indawo yokulawula edinga kakhulu Ezimakethe ezifana ne-European Union, ukuhlanganiswa kwezixazululo ezintsha zokukhokha ngesikhathi sangempela kanye nokuthuthuka kobuhlakani bokwenziwa ekuphathweni kwezingozi, ukwenza ngokwezifiso kanye nokuvimbela ukukhwabanisa kudweba isithombe lapho izinqumo zobuholi obusha zizoba nomthelela oqondile esikhundleni senkampani esikhathini esiphakathi.
Ezingeni laseYurophu, ukuthuthuka kwe-PayPal kuzothonywa kakhulu yindlela esabela ngayo ekuncintisaneni okukhula kwamabhange. fintech izinkampani zobuchwepheshe zasendaweni nezinkulu, kanye nekhono lazo lokuzivumelanisa nezinhlelo zokulawula umphakathi ezihloselwe khuthaza izixazululo zokukhokha zaseYurophu yonke futhi kuqiniswe ubukhosi bedijithali emkhakheni wezezimali.
Kuhlelo lobuchwepheshe lwaseSpain naseYurophu, ukufika kukaLores njengomphathi ophezulu we-PayPal kuqinisa ukubonakala kwe- abaphathi abaqeqeshwe kulolu hlangothi lwe-Atlantic ezikhungweni ezinkulu zokwenza izinqumo embonini yedijithali. Uma ekwazi ukuqondisa kabusha ukukhula kweqembu, asheshise ukusungula izinto ezintsha, futhi alethe ukuzinza okukhulu emiphumeleni, isikhathi sakhe sokuba yisibonelo sendlela yokushintsha isikhundla sesosha elidala laseSilicon Valley ngesikhathi sokuphazamiseka okukhulu kwezinkokhelo.
Sekukonke, ukuqokwa kwesikhulu esizalelwe eMadrid kumele isinyathelo esibalulekile kokubili ku-PayPal kanye nomkhakha wezezimali zedijithali uqobo: inkampani ifuna ukubuyisa amandla emakethe yamasheya futhi ikhulise isivinini sayo sokuncintisana ngokusebenzisa ulwazi lomholi one- amashumi eminyaka okuphatha ekuguqulweni kobuchwephesheOkwamanje, imakethe ibheke eduze ukubona ukuthi lolu shintsho oluphezulu luzoholela yini esigabeni esisha sokukhula okusimeme.
