"Indlela yethu ibilokhu iphazamisa amamodeli wesevisi yezezimali ajwayelekile" kusho i-CEO/UMsunguli we-Boldin

I-HackerNoon : Ithini inkampani yakho ngamagama angu-2–5?

UStephen Chen : Ipulatifomu Yakho Yokuzethemba Kwezezimali.

Kungani manje sekuyisikhathi sokuba inkampani yakho ibe khona?

Kukhona ukuqwashisa okukhulayo kokuthi ukuba kahle kwezezimali kanye nokukhetha okuhle kwezezimali phakathi nesikhathi sokuphila kwakho konke kungashintsha impilo yakho (kanye nempilo yomndeni wakho). Njengoba nje sifundile ukuthi ukuba nempilo enhle ngokomzimba nangokwengqondo kudinga ukudla okuhle, ukuzivocavoca umzimba, ukulala nokulawula ingcindezi; sifunda ukuthi ukonga, ukutshala imali kanye nokuqonda ukuziphatha kwethu kuwukhiye wenhlalakahle yezezimali.

Ukwakha ingcebo nokuvikeleka kwezezimali kulula kodwa akulula — sisebenzela ukwenza kufinyeleleke kunoma ubani ngesofthiwe yamahhala / ebiza kancane, amakilasi, ukuqeqeshwa kanye nomphakathi.

Yini oyithandayo ngeqembu lakho, futhi kungani kuyibo abazoxazulula le nkinga?

Wonke umuntu e -Boldin (owayekade eyi-NewRetirement) uqhutshwa inhloso. Siyabona ukuthi kuyinkimbinkimbi kangakanani ukuthi abantu bakwazi ukwenza izinqumo ngokuzethemba ngemali yabo - inkinga enkulu yomphakathi. Ithimba lethu litshalwe ngokujulile ekulaleleni umphakathi wethu omkhulu nokhulayo.

Siqhutshwa yimpendulo yabo, sidale inkundla yokuhlela imali, eyakhiwe kusukela phansi ukuze ibeke amandla okuhlela ezandleni zawo wonke umuntu. Ekubakheleni, sidale umkhiqizo oqondana ngempela nezidingo zabo. Ingxenye yokulethwa kwendlela yethu yokuqala amakhasimende ibilokhu iphazamisa amamodeli wesevisi yezezimali ajwayelekile. Esikhundleni sezinkokhelo ezingalindelekile ezisekelwe kokwenziwe nezimpahla, amakhasimende ethu akhokha intengo encane, engashintshi, esobala ngokubhaliselwe kunkundla yethu.

Ukube ubungakhi isiqalo sakho, ubuyobe wenzani?

Ukusebenza ukulungisa isimo sezulu. Ngibona umsebenzi wethu njengendlela yokusiza ukwenza lokho ngokungaqondile, ngoba abantu abaningi bafuna ukuxazulula izinkinga ezinkulu ezifana nalezi kodwa bazizwa bevaleleke emisebenzini yabo yamanje njengoba benokuzethemba okuphansi kwezezimali ukuthi bangakwazi yini ukubeka engcupheni njengokuthatha umhlalaphansi noma ukushintshela kokwanelisa kakhudlwana. umsebenzi. Sifuna ukuvula amandla omphakathi wethu ngokuwusiza ukuthi uzethembe ngokwezimali.

Okwamanje, ulinganisa kanjani impumelelo? Ayini amamethrikhi akho?

Ngenxa yokuthi sinomgomo wokusiza abantu, imethrikhi yethu eyinhloko yempumelelo ingabasebenzisi abasebenzayo banyanga zonke - abantu abafinyelela ingxenyekazi yethu ukuze bathole ukuzethemba ngokwezimali, kungakhathaliseki ukuthi bayasikhokhela noma cha.

Ngemisho embalwa, yini oyinikezayo?

Sinikeza inkundla yokuhlela izimali namasevisi avumela noma ubani ukuthi azakhele uhlelo lwakhe lwezezimali futhi azuze ukuzethemba ngokwezimali. Sisiza abantu ukuthi bahleleke, bahlole amandla abo ezezimali kanye nobuthakathaka babo, benze izinqumo ezingcono zezimali, futhi bahlale besendleleni yokuphila abayifunayo (manje nasesikhathini esizayo).

Abathengi bangamema abaqeqeshi nabeluleki ukuthi basebenze nabo. Bangakwazi futhi ukuthatha amakilasi noma bahlanganyele emphakathini wethu. Inkundla ingaphinda ibhalwe ngomhlophe ngabeluleki bezinkampani zangaphandle, abaqashi, noma abahlinzeki bezinsizakalo zezezimali abafuna ukukala ukuhlela kwezezimali.

Yini ejabulisa kakhulu mayelana nohambo lwakho kuze kube manje?

Izinombolo zethu ziphezulu futhi kwesokudla, kodwa ngiyakuthanda uma abantu engibaziyo bengitshela ukuthi bathole umkhiqizo wethu futhi bathola inani kuwo. Ngike ngaba nabangane bakudala basesikoleni esiphakeme bafinyelela futhi bangitshele ukuthi bathatha umhlalaphansi ngaphambi kwesikhathi ngenxa yomkhiqizo wethu. Futhi, ngesonto eledlule bengisesitolo segrosa futhi umngane wami ngesikhathi izingane zami zisesikoleni samabanga aphansi weza wangitshela ukuthi zithola inani elingakanani kwa-Boldin. Ngicabanga ukuthi kufana nokuzwa ingoma yakho emsakazweni.

Ucabanga ukuthi ukukhula kwakho kuzoba kuphi ngonyaka ozayo?

Mayelana nemali engenayo nabasebenzisi, silindele ukukhula kwethu kuzoba ngcono kuno-100% kulo nyaka. Futhi sigxile ekuqhubekeni nokukhulisa inani esilinikezayo kubasebenzisi bokugcina.

Sitshele mayelana nekhasimende lakho lokuqala elikhokhayo kanye nokulindelwe kwemali engenayo onyakeni olandelayo.

Sisabalalisa amathuluzi ethu ngqo kubathengi, ngendawo yokusebenza, nangabeluleki bezezimali. Ikhasimende lethu lokuqala elikhokhayo lalineminyaka engu-5 edlule, ngikholwa ukuthi lisesendaweni yesikhulumi. Emsebenzini, bekuyiNational Insurance. Futhi, kubaluleki kwakungudokotela ovela ku-Kaiser Permanente. Sizama ukufinyelela ku-$10M ARR kulo nyaka.

Iluphi usongo lwakho olukhulu?

Ukuvutha ku-Hackernoon :-) jk - omunye umuntu usehlula size sifinyelele esilinganisweni nge-AI noma ngokuhlaselwa ku-inthanethi.