Nick Molnar thiab Anthony Eisen nyob rau hauv lawv cov 20s lig thaum lawv pib Afterpay hauv 2014. Lawv qhov pib yog ib qho app, tshwm sim los ntawm lub tswv yim ntawm ib qho chaw - ib txoj hauv kev ntawm nyiaj txiag ib yam dab tsi uas koj tsis tuaj yeem them tam sim ntawd.
Layaways feem ntau tsis zoo vim nws feem ntau ua rau cov neeg qiv nyiaj ntsib cov paj laum loj, thiab Molnar thiab Eisen paub tias ntau txhiab xyoo thiab Gen Z muaj kev ntxub ntxaug rau credit cards vim yog hem cov nuj nqis. Tias yog vim li cas Afterpay muab cov kev xaiv los them tus nqi yuav hauv plaub nqe lus tsis muaj paj.
Tus tsim cov kev xav tau ua pov thawj tias muaj tseeb, thiab Afterpay skyrocketed nyob rau hauv muaj koob meej. Meanwhile, a Kev tshawb nrhiav nyiaj txiag los ntawm 2016 pom tias tsuas yog ib ntawm peb tus neeg laus ntawm 18 thiab 29 muaj daim npav rho nyiaj.
Ob xyoos tom qab tso tawm, Molnar txhawb cov kiv cua ntawm Afterpay kom ncav cuag lawv cov neeg muag khoom nyiam thiab thov kom lawv pib siv lub platform. Tsis ntev los no, ntau lub lag luam thoob plaws Australia tau siv Afterpay raws li kev xaiv yuav khoom. Hauv 2018, Molnar txiav txim siab nthuav mus rau Tebchaws Meskas.
Tsis muaj leej twg xav rho tawm qiv nyiaj mus yuav khaub ncaws, Molnar hais Forbes hauv kev xam phaj 2018. Muaj kev hloov pauv ntawm cov neeg siv nyiaj li cas, thiab qhov ntawd yog qhov peb tau tsom mus rau kev daws teeb meem.
Afterpay kev lag luam yog tsom rau cov hluas xyoo txhiab xyoo thiab Gen Z - nws Txog Peb nplooj ntawv nta cov duab ntawm cov tub ntxhais hluas noj selfies thiab luag ntawm lawv lub xov tooj. Cov kab lus loj-fonts thoob plaws nplooj ntawv hais tej yam zoo li, Khw yoglom zem thiab Pebntseegthiabtxhawb zogcov neeg yuav khoom, zoo li muab lub zog rau hauv tes ntawm cov neeg yuav khoom. Nws yog cov neeg siv khoom-centric, uas tau raug pov thawj tias yog ib qho zoo tswv yim nrog millennials thiab Gen Z.
Afterpay lub vev xaib tseem tshaj tawm tag nrho cov khw muag khoom lub npe ua haujlwm nrog - koom nrog pawg xws li kev ua kis las, kev zoo nkauj, khoom siv hauv tsev thiab khau. Nws tsis tuaj yeem yooj yim dua los nrhiav seb koj tus neeg muag khoom nyiam puas tau koom tes nrog Afterpay, thiab lub vev xaib kuj tseem qhia seb qee lub khw muag khoom puas muaj kev muag khoom, ua rau txhua qhov kev ntxias ntau rau cov neeg yuav khoom nyem.
Credit: Tom qab them nyiaj
virgo txiv neej zoo tshaj plaws match rau kev sib yuav
Nws yuav luag zoo li zoo dhau los ua qhov tseeb. Tab sis yuav ua li cas yog tias ib tug neeg tsis nco ib qho ntawm plaub qhov kev them nqi?
Nyob rau hauv The Know tau hais rau Ethan Taub, tus tsim thiab CEO ntawm Lub Hom Phiaj, lub tuam txhab uas muab cov lus qhia kom ncav cuag cov hom phiaj nyiaj txiag. Taub ntseeg tias cov tuam txhab xws li Afterpay tau txais txiaj ntsig los ntawm qhov kev xav tsis zoo uas ib txhiab xyoo thiab Gen Z cov neeg yuav khoom yog txhua yam txog kev txaus siab tam sim.
Kuv xav tias ntau tus neeg qiv nyiaj hnub no ntseeg tias txhua tus gen z thiab
millenials xav kom muaj cov khoom uas lawv xav tau tam sim no, thiab them rov qab tom qab, Taub hais rau Hauv The Know. Yog tias koj tsis them nyiaj raws sijhawm [nws] tuaj yeem ua qhov tsis zoo rau kev tawm ntawm. Yog tias koj them raws sijhawm, koj qhov qhab nia credit yuav tsis cuam tshuam, tab sis yog tias koj tsis ua, tuaj yeem ua rau muaj qhov tshwm sim loj.
Yuav ua li cas tsis them nyiaj raws sijhawm? Raws li Afterpay cov ntaub ntawv nyiaj txiag, tsuas yog ib feem me me ntawm nws cov nyiaj tau los txhua xyoo los ntawm cov nqi them lig. Los ntawm 2016 txog 2017, Afterpay generated kwv yees li lab Australian las ($ 16 lab hauv USD) hauv cov nqi ntawm cov khw muag khoom thiab lwm $ 6.1 lab ($ 4.4 lab hauv USD) hauv cov nqi lig.
cov roj plaub hau zoo tshaj plaws los tswj cov plaub hau poob
Afterpay tsis khiav credit checks rau cov neeg muas zaub uas sau npe siv nws, uas tej zaum yuav zoo li zoo rau cov neeg siv uas tsis muaj credit, tab sis nws kuj yog ib qho kev xav ntawm me ntsis lub tuam txhab mob siab txog seb nws cov neeg siv yuav tau them tus nqi them.
Cov ntawv zoo thaum kos npe nrog Afterpay hais tias thaum lub tuam txhab yuav tsis ua daim tshev credit rau koj, nws tuaj yeem xaj koj daim ntawv tshabxo nuj nqi thiab sau ntawv tias koj tsis them nyiaj.
Yog li, thaum Afterpay tsis muaj txiaj ntsig rau koj cov qhab nia credit, nws tuaj yeem rhuav tshem nws.
Tam sim no, Australian Securities thiab Investments Commission (ASIC) yog tshuaj xyuas kev yuav tam sim no, them nyiaj tom qab kev coj ua tom qab daim ntawv tshaj tawm xyoo 2018 pom tias qhov kev tawm tsam tuaj yeem ua rau qee tus neeg siv khoom dhau los ua nyiaj txiag ntau dhau.
Commonwealth Bank tus thawj coj Matt Comyn tsa ib qho kev txhawj xeeb zoo sib xws nyob rau hauv pawg neeg sawv cev rau lub Cuaj Hlis 7, hais tias cov tuam txhab xws li Afterpay yuav tsum xav txog tag nrho ntawm [tus neeg siv khoom] lub peev xwm los them, tsis zoo li tsuas yog lees txais lawv tam sim no, them nyiaj tom qab thov ntawm nws lub ntsej muag tus nqi vim nws tuaj yeem tsim teeb meem ntau nrog. neeg cov qhab nia credit.
Tab sis Afterpay hais tias nws cov neeg siv khoom tsis xav tau kev tiv thaiv kev cai lij choj thiab tias lub tuam txhab tuaj yeem tswj hwm tus kheej txhua yam teeb meem. Ib tus neeg siv Reddit tawm tswv yim ntawm lub tuam txhab cov lus hais los ntawm kev hais tias: Keeb kwm tau qhia peb ib zaug thiab ntau dua, hais tias nyob rau hauv lub ntiaj teb tau txais txiaj ntsig, kev tswj tus kheej tsis ua haujlwm.
Peb tswj hwm daim npav rho nyiaj. Peb tswj kev qiv nyiaj. Peb tswj hwm cov neeg qiv nyiaj hnub them nyiaj. Qhov no txawv li cas? lwm tus neeg siv Reddit tso tawm . Cov lag luam no tsuas muaj kev pheej hmoo ntau ntawm kev teeb meem. Qhov no tej yam yees siv dab tsi lawv supposedly muaj uas tiv thaiv lawv los ntawm tib yam teeb meem lwm unregulated qiv muaj?
ASIC qhov kev tshawb pom yav dhau los tshawb pom tias ib ntawm rau qhov yuav tam sim no, them nyiaj tom qab cov neeg siv tau overdrawn lawv cov txhab nyiaj hauv txhab nyiaj, ncua lwm cov nqi them lossis qiv nyiaj los them cov nqi them thiab zam kev them nqi lig.
Lub neej yav tom ntej ntawm Afterpay tsis paub meej, ib yam nkaus. Nrog cov neeg sib tw zoo li Sweden-raws li Klarna popping li, fintech tuam txhab uas muag yuav tsum paub txog txoj hauv kev nyob ua ntej ntawm kev sib tw.
Raws li cov tuam txhab no nce hauv qhov muaj koob npe, nws tsim nyog paub tias muaj txoj kev nyab xeeb siv Afterpay. Cov neeg siv khoom yuav tsum teeb tsa lawv tus account nrog daim debit card ( tsis yog ib daim credit card) thiab teeb tsa kev ceeb toom them nyiaj kom tsis txhob muaj cov nqi them lig.
Txaus siab nyeem tsab xov xwm no? Nyeem txog cov kws kho mob dermatologist uas hnyav-hauv Gen Z qhov kev xav nrog kev tu tawv nqaij TikTok
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