Brasil\u00eda skr\u00e1\u00f0i, \u00e1ri\u00f0 2024, s\u00f6gulega skr\u00e1 yfir a\u00f0 opna l\u00edtil fyrirt\u00e6ki, fara yfir mark 4,15 millj\u00f3na n\u00fdrra skr\u00e1\u00f0ra fyrirt\u00e6kja, me\u00f0al einstakra \u00f6rfrumkv\u00f6\u00f0la (MEI), \u00f6rfyrirt\u00e6kja (ME) og l\u00edtilla fyrirt\u00e6kja (EPP), samkv\u00e6mt k\u00f6nnun sem ger\u00f0 var af Sebrae byggt \u00e1 g\u00f6gnum fr\u00e1 alr\u00edkisskattstj\u00f3ra. Til a\u00f0 a\u00f0sto\u00f0a fj\u00e1rm\u00e1lastj\u00f3rnun hafa \u00feessir n\u00fdju frumkv\u00f6\u00f0lar n\u00fa \u00f3keypis vettvang sem notar gervigreind og WhatsApp til a\u00f0 gera sj\u00e1lfvirkan grei\u00f0slu vi\u00f0skiptavina og birgja. N\u00fdlega hleypt af stokkunum er fintech Jota fj\u00e1rhagslegur a\u00f0sto\u00f0arma\u00f0ur sem gerir notendum kleift a\u00f0 stj\u00f3rna hlj\u00f3\u00f0spjalla\u00f0ger\u00f0um \u00ed gegnum dagleg skilabo\u00f0, \u00ed gegnum WhatsApp.<\/p>\n\n\n\n
Auk \u00feess a\u00f0 a\u00f0sto\u00f0a stj\u00f3rnendur l\u00edtilla fyrirt\u00e6kja, \u00fear \u00e1 me\u00f0al \u00f3formlega starfsmenn, er tillaga \u00fer\u00f3unara\u00f0ila a\u00f0 gagnast einnig einstaklingum sem hafa WhatsApp reikninga til a\u00f0 framkv\u00e6ma dagleg vi\u00f0skipti. <\/p>\n\n\n\n
\u00cd reynd gerir Jota kleift a\u00f0 grei\u00f0a augnablik (Pix) og mi\u00f0a, \u00ed gegnum hlj\u00f3\u00f0, myndir og textaskilabo\u00f0, til eins e\u00f0a fleiri tengili\u00f0a, \u00ed gegnum sj\u00e1lfvirkan upp\u00e1haldslista, auk \u00feess a\u00f0 taka \u00e1 m\u00f3ti e\u00f0a rukka grei\u00f0slur \u00ed gegnum QR Code PIX \u00e1 nokkrum sek\u00fandum, \u00e1n gjalda fyrir notandann. \u00deessir eiginleikar eru a\u00f0eins framkv\u00e6mdir me\u00f0 \u00fev\u00ed a\u00f0 tala og spyrja hva\u00f0 \u00feeir vilji um vi\u00f0skipti s\u00edn og frumkv\u00f6\u00f0lar geta fengi\u00f0 d\u00fdrm\u00e6ta inns\u00fdn, svo sem fj\u00e1rhags\u00fatreikninga, daglegar reikningssk\u00fdrslur og samhengisbundnar r\u00e1\u00f0leggingar bygg\u00f0ar \u00e1 \u00fe\u00f6rfum hvers og eins. <\/p>\n\n\n\n
\u00dear sem Jota starfar innan WhatsApp, tryggja verkf\u00e6ri \u00feess lei\u00f0andi notagildi og \u00fatr\u00fdma \u00fe\u00f6rfinni fyrir hef\u00f0bundin bankaforrit. \u00d3keypis opnun pers\u00f3nulegra og l\u00f6glegra reikninga tekur minna en 3 m\u00edn\u00fatur og er einnig gert me\u00f0 spjalli.<\/p>\n\n\n\n
Vettvangurinn var stofna\u00f0ur af frumkv\u00f6\u00f0linum Davi Holanda, sem hefur \u00e1\u00f0ur st\u00fdrt verkefnum \u00e1 b\u00e1\u00f0um sto\u00f0um fj\u00e1rm\u00e1lastarfsemi: vi\u00f0 kaup, sem fyrrverandi framkv\u00e6mdastj\u00f3ri PagSeguro, \u00fear sem hann st\u00fdr\u00f0i meira en 15 v\u00f6rum og lag\u00f0i sitt af m\u00f6rkum til IPO hj\u00e1 NYSE; og \u00ed bankageiranum, sem stofnandi og forstj\u00f3ri Bankly, \u00fer\u00f3a\u00f0i Banking as a Service (BaaS) sem Banco Votorantim keypti \u00e1ri\u00f0 2023.<\/p>\n\n\n\n
Marka\u00f0st\u00e6kif\u00e6ri<\/strong><\/p>\n\n\n\n Samkv\u00e6mt k\u00f6nnun sem ger\u00f0 var af CEAPE (Small Enterprise Support Center), nota 61% brasil\u00edskra frumkv\u00f6\u00f0la \u00ed \u00feessum pr\u00f3f\u00edlum minnisb\u00e6kur til a\u00f0 skrifa ni\u00f0ur tekjur og \u00fatgj\u00f6ld fyrirt\u00e6kja sinna. A\u00f0rir 14.5% svarenda s\u00f6g\u00f0ust nota t\u00f6flureikna \u00ed \u00feessum tilgangi, en 9.1% sag\u00f0i a\u00f0 \u201c allt head-HARM. 7.9% svara\u00f0i \u00fev\u00ed til a\u00f0 \u00feeir noti ekki nein af \u00feeim verkf\u00e6rum sem nefnd eru \u00ed k\u00f6nnuninni og a\u00f0eins 7% hafi stu\u00f0ning fr\u00e1 b\u00f3khaldsstofu.<\/p>\n\n\n\n \u00cd lj\u00f3si \u00feessarar atbur\u00f0ar\u00e1sar, og mi\u00f0a\u00f0 vi\u00f0 a\u00f0 millj\u00f3nir frumkv\u00f6\u00f0la og einstaklinga hafa ekki t\u00edma til a\u00f0 stj\u00f3rna fj\u00e1rhagslegu l\u00edfi s\u00ednu \u00ed minnisb\u00f3kum e\u00f0a t\u00f6flureiknum e\u00f0a skilyr\u00f0um til a\u00f0 fj\u00e1rfesta \u00ed d\u00fdrum hugb\u00fana\u00f0i og oft ekki f\u00e1 r\u00e9tta athygli hef\u00f0bundinna bankastofnana, byltingarkennda m\u00f6guleika Jota hefur vaki\u00f0 mikinn \u00e1huga \u00e1 marka\u00f0num. <\/p>\n\n\n\n \u201cVi\u00f0 sj\u00e1um sk\u00fdrt t\u00e6kif\u00e6ri til a\u00f0 b\u00faa til vettvang sem einfaldar fj\u00e1rm\u00e1lastj\u00f3rnun og rekstur fyrir frumkv\u00f6\u00f0la, hvort sem \u00fea\u00f0 er einstaklinga e\u00f0a fyrirt\u00e6ki, og vi\u00f0 erum sta\u00f0r\u00e1\u00f0in \u00ed a\u00f0 hj\u00e1lpa \u00feeim a\u00f0 spara t\u00edma og peninga me\u00f0 \u00fev\u00ed a\u00f0 \u00fer\u00f3a lausnir fyrir daglegan rekstur, fj\u00e1rhagslega sj\u00e1lfvirkni og grei\u00f0slufer\u00f0ir sem auka ar\u00f0semi\u201d, deildi Davi Hollandi, me\u00f0stofnanda og forstj\u00f3ra.<\/p>\n\n\n\n Fintech tilkynnti einnig a\u00f0 loki\u00f0 v\u00e6ri vi\u00f0 US$ 8.9 millj\u00f3n Seed umfer\u00f0 s\u00edna, undir forystu MAYA Capital, me\u00f0 \u00fe\u00e1ttt\u00f6ku fr\u00e1 HOF Capital, BigBets, Alter Global, Bogari Capital, Norte Ventures og englafj\u00e1rfestum eins og Bebeto Nogueira, stofnanda Segura og Scout of a16z, Fersen og Mateus Lambranho, Mauro D', stofnandi 180 Seguros, Bernardo Lustosa, samstarfsa\u00f0ili ClearSale, Dennis Wang og Pedro Fiuza.<\/p>\n\n\n\n \u201cMe\u00f0 \u00feessari n\u00fdju lotu af fj\u00e1rfestingu, erum vi\u00f0 skuldbundinn til a\u00f0 styrkja t\u00e6kni okkar, v\u00f6xt og marka\u00f0ssetningu li\u00f0 til a\u00f0 byggja upp v\u00f6rumerki vi\u00f0urkennt um Brasil\u00edu, v\u00f6ru sem sannarlega gagnast frumkv\u00f6\u00f0la og kn\u00fdr st\u00e6kkun vi\u00f0skiptavina st\u00f6\u00f0.A\u00f0 auki, munum vi\u00f0 hefja nau\u00f0synlegt dagskr\u00e1 af kr\u00f6fum og grei\u00f0slum, m\u00e6ta mikilv\u00e6ga \u00fe\u00f6rf frumkv\u00f6\u00f0la og vi\u00f0 erum bara a\u00f0 byrja a\u00f0\u201d, styrkir frumkv\u00f6\u00f0ull. <\/p>\n\n\n\n Samkv\u00e6mt Hollandi hafa vi\u00f0br\u00f6g\u00f0in veri\u00f0 mj\u00f6g j\u00e1kv\u00e6\u00f0, \u00fear sem vi\u00f0skiptavinir spara 10 t\u00edma vinnu \u00e1 m\u00e1nu\u00f0i me\u00f0 \u00fev\u00ed a\u00f0 gera hundru\u00f0 millif\u00e6rslur \u00e1 hagn\u00fdtan og skilvirkan h\u00e1tt. Einn \u00feeirra sag\u00f0i: \u2018Jota HEFUR breytt fj\u00e1rhagslegu l\u00edfi m\u00ednu, \u00fea\u00f0 er svona hlutur sem \u00fe\u00fa vissir ekki a\u00f0 \u00fe\u00fa \u00feyrftir. \u00dear sem \u00e9g er alltaf \u00ed fl\u00fdti gerir \u00feetta l\u00edf mitt miklu au\u00f0veldara. \u00c9g \u00fearf bara a\u00f0 senda skilabo\u00f0 \u00e1 WhatsApp e\u00f0a senda hlj\u00f3\u00f0 og Jota keyrir Pix \u00e1 nokkrum sek\u00fandum. \u00c1 m\u00e1nu\u00f0i spara\u00f0i \u00e9g meira en R$ 500 \u00ed gj\u00f6ld.<\/p>\n\n\n\n Monica Saggioro, annar stofnandi MAYA Capital, sag\u00f0i: \u201cO Jota leysir mikilv\u00e6ga \u00e1skorun (fj\u00e1rhagslega \u00f3stj\u00f3rn) \u00e1 SME marka\u00f0num, sem flytur milljar\u00f0a reais. \u00deetta t\u00e1knar miki\u00f0 t\u00e6kif\u00e6ri og Jota er fullkomlega \u00ed stakk b\u00fainn til a\u00f0 n\u00fdta s\u00e9r \u00fea\u00f0. Kaliber, reynsla og framt\u00ed\u00f0ars\u00fdn li\u00f0sins eru einfaldlega hvetjandi og setja fyrirt\u00e6ki\u00f0 \u00e1 anna\u00f0 stig. Hlutverk okkar a\u00f0 sty\u00f0ja vi\u00f0 bestu t\u00e6knih\u00e6fileika vi\u00f0 a\u00f0 byggja upp sprotafyrirt\u00e6ki \u00ed leit a\u00f0 \u00e1\u00f0ur \u00f3\u00feekktum \u00e1rangri \u00ed R\u00f3m\u00f6nsku Amer\u00edku g\u00e6ti ekki veri\u00f0 betur t\u00e1kna\u00f0 en Jota\u201d.<\/p>\n\n\n\n Framt\u00ed\u00f0ars\u00fdn fintech er a\u00f0 einfalda alla \u00fe\u00e6tti fj\u00e1rm\u00e1lastj\u00f3rnunar fyrir brasil\u00edska frumkv\u00f6\u00f0la sem n\u00fa standa frammi fyrir miklum fl\u00f3knum v\u00f6rum og forritum sem eru til \u00e1 marka\u00f0num og svo vir\u00f0ist sem \u00feeir s\u00e9u a\u00f0 byrja \u00e1 h\u00e6gri f\u00e6ti.<\/p>","protected":false},"excerpt":{"rendered":" O Brasil registrou, em 2024, um recorde hist\u00f3rico de abertura de pequenos neg\u00f3cios, ultrapassando a marca de 4,15 milh\u00f5es de novas empresas registradas, entre microempreendedores individuais (MEI), microempresas (ME) e […]<\/p>\n","protected":false},"author":1,"featured_media":9163,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[33,31],"tags":[43,72,53],"class_list":["post-11029","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lancamentos","category-noticias","tag-e-commerce","tag-lancamentos","tag-noticias"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/posts\/11029","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/comments?post=11029"}],"version-history":[{"count":0,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/posts\/11029\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/media\/9163"}],"wp:attachment":[{"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/media?parent=11029"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/categories?post=11029"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ecommerceupdate.com.br\/is\/wp-json\/wp\/v2\/tags?post=11029"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}