I-Koin, inkampani ye-fintech efuna ukuxhumanisa abathengisi nabasebenzisi bokugcina lapho bethenga ngezixazululo zezezimali, iqinisekisa ukutshalwa kwezimali kwayo kwezobuchwepheshe kanye nethimba layo ukuze yandise ukufinyelela emakethe komkhiqizo wayo wokulwa nokukhwabanisa, okwamanje ohlaziya ukuthengiselana okungaphezu kwezigidi ezingu-21 emazweni ahlukene aseLatin America.
Iholwa yi-CEO uNicolás Obejero, owajoyina inkampani ngo-2021 ngenhloso yokwandisa ibhizinisi, i-fintech ihlose ukusheshisa ukukhula kwe-Koin Antifraude esifundeni. Lo mkhiqizo waklanywa ukuze kuvinjelwe ukukhwabanisa ekuthengiselaneni kwe-e-commerce nokukhulisa amazinga okuguqulwa kokuthengisa, ngokusebenzisa isizindalwazi esibanzi, amamodeli okufunda komshini, kanye nethimba lochwepheshe.
Ngo-2024, iKoin yanquma ukwandisa iminikelo yayo yezindawo ukuze ifinyelele inani elikhulu lamakhasimende eLatin America, futhi yakhetha i-Uruguay njengesikhungo sokuthuthukiswa kwezixazululo zayo zokulwa nokukhwabanisa. Le nkampani ihlela ukutshala imali engaba yizigidi ezi-5 zamaRandi ekuthuthukisweni kwamapulatifomu ayo okulwa nokukhwabanisa kanye nokukhokha. Ngokusho kukaLucas Iván Gonzalez, iSikhulu Esiphezulu Somkhiqizo eKoin, umgomo ukunikeza abathengisi abaningi ukufinyelela kusisombululo sokulwa nokukhwabanisa sekhwalithi ephezulu esinezici ezifana ne-biometrics kanye ne-3DS (iphrothokholi yokuqinisekisa ukuhweba nge-e-commerce ekhulisa ukuphepha kokuthengiselana futhi ikhiqize ulwazi olungcono lokuthenga) ukuvimbela ukulahleka ekuthengeni okuku-inthanethi.
Le nkampani isebenzisa ubuhlakani bokwenziwa kanye nokufunda komshini ukuthuthukisa lesi sixazululo futhi isinikeze eLatin America. "Le ngqalasizinda yiyo esinika amandla okuqinisekisa ukuthengiselana okuphephile kwamakhasimende ethu," kuchaza umphathi. "Ukunikeza ukuphepha ngesikhathi sokuthenga kubalulekile kunoma iyiphi inkampani esebenza ne-e-commerce," kusho uGonzalez. IKoin imaketha imikhiqizo nezinsizakalo zayo ezinkampanini emazweni ahlukahlukene esifundeni, njenge-Uruguay, iBrazil, iMexico, i-Ecuador, iColombia, ne-Argentina.
Esikhathini sangemva kobhubhane, ukwanda kwenani lokuthengwa kwe-inthanethi kwandisa ukuvezwa kwengozi kubathengisi, njengoba izigebengu ze-inthanethi ziqhubeka nokusebenzisa amathuba amasha ukwenza ukukhwabanisa. Ukuze sikunike umbono, eBrazil kuphela, kukhona ukuzama ukukhwabanisa njalo ngemizuzwana emibili. Ngo-2023, iKoin yavimbela ukukhwabanisa okungu-R$ 240 million kanye nokuthengiselana kokukhwabanisa okungu-120,000 ezweni.
Ukuqinisa amaqembu eLatin America
Njengamanje, iKoin ineqembu labantu abangaphezu kuka-350 abasakazeke kulo lonke elaseBrazil, eMexico, e-Argentina, eColombia nase-Uruguay, futhi iqinise iqembu layo lokuthengisa, igxile ekukhuleni okusimeme eLatin America.
Ngokusho kwesikhulu esiphezulu, ukuthuthuka kokunikezwa kulesi sigaba kubalulekile ukuze kube lula ukuthengiselana futhi kuhlinzeke ngolwazi lokuthenga olulula kubathengi babalingani bethu. "Ekugcineni kosuku, ukutshala imali ekuvimbeleni kuyibhizinisi elihle kunoma iyiphi inkampani ngoba kugwema ukulahlekelwa ngokwezimali ngenxa yezindleko zokusebenza ngisho nezomthetho, futhi ngaphezu kwakho konke, kuwukutshalwa kwezimali okuqinisekisa ukulondolozwa kwesithombe nedumela lomkhiqizo," kunezela uGonzalez.
