Eminyakeni yamuva nje, imodeli entsha yokusebenzisa ithole umfutho: umnotho wemali engenayo ophindaphindayo. Lokhu akuyona nje indlela edlulayo, kodwa ushintsho olukhulu endleleni esisebenzisa ngayo imali. Kusukela kumasevisi edijithali kuya emikhiqizweni ebonakalayo, izinkampani ezisebenzisa imodeli yokubhalisa zinikeza abathengi ulwazi oluqhubekayo, oluqondene nomuntu siqu, nolufinyelelekayo. Ngesikhathi esifanayo, ziqinisekisa ukugeleza kwemali okuzinzile, ukugcinwa kwamakhasimende okukhulu, kanye nokwakhiwa kobudlelwano obuseduze nezithameli zazo.
Ngokusho kombiko we-Lineup, oshicilelwe kuwebhusayithi ethi What's New In Publishing, imakethe yokubhalisa yomhlaba wonke kulindeleke ukuthi idlule ama-R$ 5 trillion ngo-2025. Le datha ikhombisa impumelelo ekhulayo yale modeli kanye noshintsho oluyibangelayo emikhakheni ehlukahlukene. Ezinkampanini, ukubhalisa kuhumusha kube ukubikezela kwezezimali, kanti kubathengi, kusho ukulula nokufinyelela okuqhubekayo emikhiqizweni nasezinsizeni.
Lolu shintsho ekuziphatheni kwabathengi luyabonakala futhi ezinambeni. Ucwaningo oluvela ku-Stripe lubonisa ukuthi izinkampani ezisebenzisa imodeli yokubhalisela zinezinga lokugcina amakhasimende eliphakeme elifinyelela ku-30% uma kuqhathaniswa namabhizinisi okuthengisa avamile athengiswa kanye kuphela. Lokhu kungenxa yokuthi ulwazi oluphindaphindayo nolwenziwe ngokwezifiso ludala isibopho esiqinile nesihlala isikhathi eside phakathi komkhiqizo nomthengi, into enzima ukuyifeza ekuthengiselaneni okukodwa.
Le ndlela entsha yokusebenzisa ayisagcini nje ngezinsizakalo zokusakaza noma isofthiwe. Imikhakha yendabuko eminingi, njengemboni yezimoto, isiqala ukwamukela amamodeli okubhalisela, okuvumela abathengi ukuthi bafinyelele imoto njalo ngaphandle kokuyithenga. Lesi simo siyisibonelo esisodwa nje sendlela izinkampani ezizivuselela ngayo ukuze zihlangabezane nezidingo ezintsha zemakethe kanye nabathengi.
EBrazil, imodeli yemali engenayo ephindaphindayo isenamandla amakhulu okukhula. Izinkampani ezizivumelanisa ngokushesha nalolu shintsho ziyakwazi ukuvuna izinzuzo zokusebenza nezezezimali. Ukubikezela imali engenayo kanye nokwethembeka kwamakhasimende kumane nje kungenye yezinzuzo ezinikezwa yimodeli, okuvumela imikhiqizo ukuthi ilungise ngokushesha esimweni sezomnotho esingalindelekile.
Umnotho wemali engenayo ophindaphindayo awusesona isithembiso, kodwa uyiqiniso elikhulayo elibumba ikusasa lokusetshenziswa. Njengoba imakethe ikhula futhi abathengi bejwayela umqondo wokukhokha njalo ngenyanga ukuze bathole ukufinyelela okuqhubekayo, siyaqiniseka ukuthi sizobona izinkampani eziningi zisebenzisa lo modeli, zenze okubhaliselwe kube yindinganiso entsha yebhizinisi esikhathini esizayo.
