{"id":984,"date":"2024-12-29T17:44:39","date_gmt":"2024-12-29T17:44:39","guid":{"rendered":"https:\/\/vienapaskola.lt\/index.php\/2024\/12\/29\/naujausi-afrikos-fintech-vienaragiai-laimi-laikydami-kojas-ant-zemes\/"},"modified":"2024-12-29T17:44:39","modified_gmt":"2024-12-29T17:44:39","slug":"naujausi-afrikos-fintech-vienaragiai-laimi-laikydami-kojas-ant-zemes","status":"publish","type":"post","link":"https:\/\/vienapaskola.lt\/index.php\/2024\/12\/29\/naujausi-afrikos-fintech-vienaragiai-laimi-laikydami-kojas-ant-zemes\/","title":{"rendered":"Naujausi Afrikos fintech vienaragiai laimi laikydami kojas ant \u017eem\u0117s"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p id=\"speakable-summary\" class=\"wp-block-paragraph\">Afrikos technologij\u0173 ekosistema k\u0105 tik sulauk\u0117 d\u0117mesio \u2013 Piet\u0173 Afrikos \u201eTymeBank\u201c ir Nigerijos \u201eMoniepoint\u201c pastarosiomis savait\u0117mis pritrauk\u0117 l\u0117\u0161\u0173, kuri\u0173 vert\u0117 vir\u0161ijo 1 mlrd. USD, ir prisijung\u0117 prie geid\u017eiamo vienaragi\u0173 panteono. <\/p>\n<p class=\"wp-block-paragraph\">  Ta\u010diau \u0161ie vertinimai atspindi ne tik investuotoj\u0173 pasitik\u0117jim\u0105. Jie rodo s\u0117km\u0119, kai jie suk\u016br\u0117 \u017elugdan\u010dius fintech modelius, i\u0161 prad\u017ei\u0173 sukurtus brand\u017eioms ekonomikoms, ir pritaikant juos darbui regione, kuriame beveik pus\u0117 gyventoj\u0173 teb\u0117ra be bank\u0173.<\/p>\n<p class=\"wp-block-paragraph\">Abiej\u0173 bendrovi\u0173 pagrindinis tikslas buvo supaprastinti bankininkyst\u0119 asmenims ir \u012fmon\u0117ms dviejose did\u017eiausiose Afrikos ekonomikose. <\/p>\n<p class=\"wp-block-paragraph\">\u201eTymeBank\u201c prad\u0117jo si\u016blydama ma\u017emeniniams klientams nebrangias banko s\u0105skaitas ir taupymo produktus, prie\u0161 prad\u0117damas pl\u0117toti verslo bankininkyst\u0119 ir teikti apyvartin\u012f kapital\u0105 ma\u017eoms \u012fmon\u0117ms Piet\u0173 Afrikoje.<\/p>\n<p class=\"wp-block-paragraph\">Tuo tarpu Moniepoint prad\u0117jo veikl\u0105 Nigerijoje, remdama ma\u017eas \u012fmones s\u0105skaitomis, mok\u0117jimais, paskolomis ir i\u0161laid\u0173 \u012frankiais, o neseniai i\u0161sipl\u0117t\u0117 \u012f ma\u017emenin\u0119 bankininkyst\u0119.<\/p>\n<p class=\"wp-block-paragraph\">Svarbu tai, kad abu \u201efintech\u201c taiko hibridin\u012f po\u017ei\u016br\u012f \u012f bankininkyst\u0119, derindami skaitmenin\u0117s bankininkyst\u0117s patogum\u0105 su realaus pasaulio fiziniais kontaktiniais ta\u0161kais.<\/p>\n<p class=\"wp-block-paragraph\">\u201eAfrikoje tai yra \u201ecatch-22\u201c: j\u016bs negalite tur\u0117ti vieno dalyko be kito\u201c, &#8211; \u201eTechCrunch\u201c sak\u0117 Lexi Novitske, \u201eNorrsken22\u201c generalin\u0117 partner\u0117, investuotoja \u012f \u201eTymeBank\u201c. \u201eDaugelis technologij\u0173 kompanij\u0173 turi sukurti klient\u0173 pritraukim\u0105 ir \u012ftraukim\u0105, naudodamos labai analogi\u0161kas ar fizines pastangas.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Turinys:<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/vienapaskola.lt\/index.php\/2024\/12\/29\/naujausi-afrikos-fintech-vienaragiai-laimi-laikydami-kojas-ant-zemes\/#Labai_neformalios_rinkos_reikalauja_misraus_poziurio\" >Labai neformalios rinkos reikalauja mi\u0161raus po\u017ei\u016brio<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/vienapaskola.lt\/index.php\/2024\/12\/29\/naujausi-afrikos-fintech-vienaragiai-laimi-laikydami-kojas-ant-zemes\/#Modeliai_pritaikyti_prie_banku_rinku_brandos\" >Modeliai, pritaikyti prie bank\u0173 rink\u0173 brandos<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/vienapaskola.lt\/index.php\/2024\/12\/29\/naujausi-afrikos-fintech-vienaragiai-laimi-laikydami-kojas-ant-zemes\/#Perspektyva_uz_fintech_ribu\" >Perspektyva u\u017e fintech rib\u0173<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-highly-informal-markets-call-for-a-mixed-approach\"><span class=\"ez-toc-section\" id=\"Labai_neformalios_rinkos_reikalauja_misraus_poziurio\"><\/span>Labai neformalios rinkos reikalauja mi\u0161raus po\u017ei\u016brio<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"wp-block-paragraph\">J\u0173 strategija prie\u0161tarauja JAV bankams ir kitoms i\u0161sivys\u010diusioms rinkoms. \u201eRevolut\u201c, \u201eMonzo\u201c ir \u201eChime\u201c veikia taip, kaip rodo j\u0173 pavadinimai: skaitmeniniu b\u016bdu. Net kai kurios besivystan\u010di\u0173 rink\u0173 platformos, pvz., \u201eNubank\u201c ir \u201eJPMorgan&#8217;s C6\u201c Brazilijoje, arba ma\u017eos \u012fmon\u0117s, tokios kaip \u201eOpen\u201c Indijoje, sutelk\u0117 d\u0117mes\u012f \u012f tik skaitmeninius kanalus, kad sukurt\u0173 regionini\u0173 kategorij\u0173 lyderius. <\/p>\n<p class=\"wp-block-paragraph\">Ta\u010diau grynai skaitmeninis po\u017ei\u016bris n\u0117ra idealus Afrikoje. Yra i\u0161im\u010di\u0173, pavyzd\u017eiui, \u201eValar\u201c remiama \u201efintech Kuda\u201c, ta\u010diau klient\u0173 skai\u010dius, kur\u012f tokia platforma gali pasiekti, yra ribojamas. Taigi, kaip teigia Stephenas Dengas, DFS Lab, \u012f Afrik\u0105 orientuotas ankstyvojo etapo investuotojas, vienas i\u0161 \u012fk\u016br\u0117j\u0173, jie susidurs su (vidaus) pajam\u0173 ribomis.<\/p>\n<p class=\"wp-block-paragraph\">Be to, tai regionas, kuriame grynieji yra karalius, interneto ry\u0161ys gali b\u016bti nepatikimas, o pasitik\u0117jimas grynai internetin\u0117mis sistemomis i\u0161lieka menkas. Remiantis McKinsey ataskaita, grynieji pinigai teb\u0117ra dominuojantis mok\u0117jimo b\u016bdas Afrikoje ir sudaro daugiau nei 90% vis\u0173 operacij\u0173. Tuo tarpu GSMA teigia, kad 43% Afrikos \u012f pietus nuo Sacharos turi interneto prieig\u0105. <\/p>\n<p class=\"wp-block-paragraph\">\u201eTymebank\u201c ir \u201eMoniepoint\u201c suk\u016br\u0117 vidurio keli\u0105, kuris klesti susitikus su ma\u017emeniniais ir verslo klientais ten, kur jie yra. \u0160iuo metu \u201eTymeBank\u201c reikalauja 15 milijon\u0173 vartotoj\u0173 Piet\u0173 Afrikoje ir Filipinuose, o Moniepoint teigia, kad jos paslaugomis naudojasi daugiau nei 10 milijon\u0173 \u017emoni\u0173 ir \u012fmoni\u0173. (Ta\u010diau Kuda, kurios vert\u0117 siekia 500 mln. USD, n\u0117ra toli, turinti apie 7 mln. vartotoj\u0173.)<\/p>\n<p class=\"wp-block-paragraph\">\u201eKai rizikos kapitalo buvo gausu, gal\u0117jai mok\u0117ti \u017emon\u0117ms, kad jie priimt\u0173 tik skaitmenin\u012f produkt\u0105, ta\u010diau n\u0117ra pakankamai vidutini\u0173 pajam\u0173 vienam vartotojui (ARPU), kad b\u016bt\u0173 galima pateisinti i\u0161laidas ilgesniam laikotarpiui\u201c, \u2013 sak\u0117 Dengas. \u201eMoniepoint, Tyme ir kiti suprato, kad reikia sukurti fizinius kontaktinius ta\u0161kus, kurie susiet\u0173 su masine rinka, i\u0161laikant galimyb\u0119 perkelti savo technologijas per \u0161ias s\u0105sajas. Tai vadiname \u201ekibernetiniu\u201c po\u017ei\u016briu, nes jis pagerina neformalius (da\u017enai asmeninius) kanalus su technologijomis, nepakli\u016bdamas \u012f brangius sp\u0105stus bandant visi\u0161kai skaitmeninti tuos kanalus.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-models-tailored-to-the-maturity-of-banking-markets\"><span class=\"ez-toc-section\" id=\"Modeliai_pritaikyti_prie_banku_rinku_brandos\"><\/span>Modeliai, pritaikyti prie bank\u0173 rink\u0173 brandos<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"wp-block-paragraph\">Vienas i\u0161 pagrindini\u0173 dalyk\u0173, kuriuos \u201eTymeBank\u201c padar\u0117 siekdamas i\u0161pl\u0117sti, yra u\u017emegzti ma\u017emenin\u0117s prekybos partnerystes su tokiais prekybos centrais kaip \u201ePick n Pay\u201c ir \u201eBoxer\u201c, kad i\u0161pl\u0117st\u0173 savo veikl\u0105 Piet\u0173 Afrikoje. \u0160ie ma\u017emenin\u0117s prekybos kontaktiniai ta\u0161kai veikia kaip beveik filialai: \u201eTymeBank\u201c \u0161iose parduotuv\u0117se naudoja kioskus ir ambasadorius, kad pad\u0117t\u0173 naujiems klientams atidaryti s\u0105skaitas ir \u012fne\u0161ti l\u0117\u0161as, \u012ftraukdamas \u012f savo veikl\u0105 \u017emogi\u0161k\u0105j\u012f element\u0105 tiems, kurie nori tiesioginio bendravimo.<\/p>\n<p class=\"wp-block-paragraph\">Tai modelis, kuris veikia, nes atpa\u017e\u012fsta ir prisitaiko prie to, kaip paprastas Afrikos vartotojas s\u0105veikauja su finansin\u0117mis paslaugomis. \u012e\u0117jimas \u012f prekybos centr\u0105 nusipirkti maisto preki\u0173 ir i\u0161eiti su nauja banko s\u0105skaita daugeliui \u017emoni\u0173 atrodo nat\u016bralus. <\/p>\n<p class=\"wp-block-paragraph\">\u201eTymeBank\u201c turi daugiau nei 1 000 kiosk\u0173 ir 15 000 ma\u017emenin\u0117s prekybos ta\u0161k\u0173 visoje Piet\u0173 Afrikoje. Tuo tarpu jos seserin\u0117 \u012fmon\u0117 \u201eGoTyme\u201c \u2013 bendra patronuojan\u010dios bendrov\u0117s \u201eTyme Group\u201c ir vietinio konglomerato \u201eGokongwei Group\u201c \u012fmon\u0117, \u012fkurta 2022 m., taiko t\u0105 pa\u010di\u0105 strategij\u0105 ir turi beveik 500 kiosk\u0173 ir 1500 bank\u0173 ambasadori\u0173 Filipinuose.<\/p>\n<p class=\"wp-block-paragraph\">Nigerijoje QED remiama Moniepoint laik\u0117si \u0161iek tiek kitokio po\u017ei\u016brio, kurdama plat\u0173 agent\u0173 tinkl\u0105 visoje \u0161alyje. Ma\u017edaug 200 000 \u0161i\u0173 agent\u0173 yra smulkaus verslo savininkai, apr\u016bpinti pardavimo ta\u0161ko (POS) \u012frenginiais ir veikia kaip bankomatai, leid\u017eiantys \u012fne\u0161ti, i\u0161imti grynuosius pinigus ir apmok\u0117ti s\u0105skaitas. Sistema atspindi model\u012f, kuris l\u0117m\u0117 mobili\u0173j\u0173 pinig\u0173 s\u0117km\u0119 Afrikoje, kur\u012f \u201eSafaricom M-Pesa\u201c prad\u0117jo Kenijoje. <\/p>\n<p class=\"wp-block-paragraph\">Decentralizuojant savo veikl\u0105 per agentus, panaikinamas atotr\u016bkis tarp miesto ir kaimo gyventoj\u0173, nes teikiamos finansin\u0117s paslaugos tose vietose, kur tradicin\u0117 bank\u0173 infrastrukt\u016bra, bankas ar bankomatas, neegzistuoja arba yra nepatikimi (Pasaulio banko skai\u010diavimais, 2022 m. Nigerijoje 100 000 suaugusi\u0173j\u0173 tenka tik 16,15 bankomat\u0173). .)<\/p>\n<p class=\"wp-block-paragraph\">Pana\u0161iai tokiose \u0161alyse kaip Nigerija klesti vadinamoji \u201eneformali\u201c prekyba, kuri nepriklauso mokes\u010di\u0173 rinkimo ir kit\u0173 institucij\u0173 kompetencijai, kuri sudaro beveik 60 % jos BVP. Tai derinant su dideliu vartotoj\u0173 ir \u012fmoni\u0173 skai\u010diumi be bank\u0173, modelis, turintis fizini\u0173 element\u0173, yra labiau b\u016btinyb\u0117 nei naujov\u0117.<\/p>\n<p class=\"wp-block-paragraph\">Abi bendrov\u0117s dabar teikia ma\u017emenin\u0119 ir verslo bankininkyst\u0119 ir naudojo hibridin\u012f model\u012f kaip pagrind\u0105 pridedant kitas paslaugas, tokias kaip kreditas, apyvartin\u0117s paskolos, verslo valdymo \u012frankiai, apskaita ir buhalterija bei draudimas. <\/p>\n<p class=\"wp-block-paragraph\">Po pastar\u0173j\u0173 vienaragi\u0173 raund\u0173 jie abu sieks atkartoti savo dizain\u0105 u\u017e savo nam\u0173 rink\u0173 rib\u0173, kur jie teigia pasiek\u0119 pelningum\u0105. \u201eTyme Group\u201c, kuri neseniai paskelb\u0117 apie 250 mln. USD vert\u0117s D serij\u0105, vadovaujam\u0105 \u201eNubank\u201c u\u017e 1,5 mlrd. Pana\u0161iai kaip Afrikoje, Azijos kylan\u010dios ekonomikos \u0161alyse yra skaitmeninio pritaikymo ir priklausomyb\u0117s nuo interneto derinys. Jei k\u0105, dabartin\u0117 \u201eGoTyme\u201c augimo trajektorija daro \u0161\u012f \u017eingsn\u012f logi\u0161ku kitu \u017eingsniu.<\/p>\n<p class=\"wp-block-paragraph\">Surinkusi 110 milijon\u0173 doleri\u0173, Moniepoint sieks pagilinti savo veikl\u0105 Nigerijoje ir pl\u0117stis \u012f kitas Afrikos rinkas, pavyzd\u017eiui, Kenij\u0105. Ji taip pat gal\u0117t\u0173 i\u0161tirti \u0161ias rinkas per \u012fsigijimus, o tai sudaryt\u0173 s\u0105lygas didesniam region\u0173 konsolidavimui.<\/p>\n<h2 class=\"wp-block-heading\" id=\"h-outlook-outside-of-fintech\"><span class=\"ez-toc-section\" id=\"Perspektyva_uz_fintech_ribu\"><\/span>Perspektyva u\u017e fintech rib\u0173<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"wp-block-paragraph\">Visa tai turb\u016bt \u012ftikinamiausia hibridinio modelio dalis yra tai, k\u0105 jis sustiprina Afrikos \u201efintech\u201c, nes \u201eTymeBank\u201c ir \u201eMoniepoint\u201c n\u0117ra pirmieji \u201efintech\u201c atstovai, kurie naudoja model\u012f kelyje \u012f vienaragio status\u0105.<\/p>\n<p class=\"wp-block-paragraph\">Ir tai pasirei\u0161kia j\u0173 mastu. Pirmasis milijard\u0173 doleri\u0173 vert\u0117s Afrikos \u201efintech\u201c rinkinys, \u012fskaitant \u201eInterswitch\u201c ir \u201eFlutterwave\u201c, suteik\u0117 infrastrukt\u016bros ir mok\u0117jimo sprendimus vietos ir pasaulio prekybininkams visame \u017eemyne. V\u0117lesni \u201efintech\u201c vienaragiai, \u012fskaitant \u201eSoftbank\u201c remiam\u0105 \u201eOPay\u201c, \u201eStripe\u201c remiam\u0105 \u201eWave\u201c, \u201eChimera Investments\u201c remiam\u0105 MNT-Halan, teikia finansines paslaugas de\u0161im\u010diai milijon\u0173 klient\u0173 visoje Afrikoje, naudodamiesi skaitmenin\u0117mis program\u0117l\u0117mis ir realaus pasaulio kontaktiniais ta\u0161kais.<\/p>\n<p class=\"wp-block-paragraph\">\u201eFintech\u201c \u0161iuo metu yra neabejotinai s\u0117kmingiausia startuoli\u0173 kategorija \u2013 a\u0161tuoni i\u0161 devyni\u0173 pradedan\u010di\u0173j\u0173 \u012fmoni\u0173, kuri\u0173 vert\u0117 vir\u0161ija 1 mlrd. Kadangi jis ir toliau sulaukia didesnio investuotoj\u0173 susidom\u0117jimo vietos ir pasauliniu mastu, toks modelis gal\u0117t\u0173 b\u016bti kaip planas ir geriausias pasirinkimas norint gauti rizikos kapitalo gr\u0105\u017e\u0105 ir tuo pa\u010diu paskatinti finansin\u0119 \u012ftraukt\u012f. <\/p>\n<p class=\"wp-block-paragraph\">Ta\u010diau tuo pat metu yra didelis potencialas pritaikyti hibridin\u012f model\u012f ne tik \u201efintech\u201c pramon\u0117s \u0161akose, ypa\u010d neoficialiose Afrikos rinkose. Pavyzd\u017eiui, telemedicina \u2013 pramon\u0117, kuri labai priklauso nuo pasitik\u0117jimo \u2013 gal\u0117t\u0173 panaudoti vietinius, asmeninius kontaktinius ta\u0161kus, skirtus pacientams, kartu supaprastindama operacijas per skaitmenines platformas, teigia Novitske. Elektronin\u0117 prekyba ir grupinio draudimo modeliai yra kitos pramon\u0117s \u0161akos, kurias ji cituoja.<\/p>\n<p class=\"wp-block-paragraph\">\u201eManome, kad s\u0117kmingiausi Afrikos startuoliai \u012fvaldys hibridin\u012f po\u017ei\u016br\u012f\u201c, \u2013 komentavo Dengas. \u201eS\u0105saja tarp skaitmenin\u0117s ir fizin\u0117s da\u017enai yra ta vieta, kur atsiranda naujov\u0117s, nes neoficialioms rinkoms sujungti reikia fizini\u0173 s\u0105ly\u010dio ta\u0161k\u0173. B2B rinkose vie\u0161ieji pirkimai da\u017enai b\u016bna neoficial\u016bs. Vykdant tarptautinius mok\u0117jimus, \u012fskaitant su stabiliomis monetomis, vietiniai i\u0161mok\u0117jimai da\u017enai yra neoficial\u016bs. Vietin\u0117je ma\u017emenin\u0117je prekyboje mok\u0117jimas ir pristatymas da\u017enai yra neoficialus.<\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/techcrunch.com\/2024\/12\/29\/africas-fintech-unicorns-blend-digital-banking-and-physical-touchpoints\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Afrikos technologij\u0173 ekosistema k\u0105 tik sulauk\u0117 d\u0117mesio \u2013 Piet\u0173 Afrikos \u201eTymeBank\u201c ir Nigerijos \u201eMoniepoint\u201c pastarosiomis savait\u0117mis pritrauk\u0117 l\u0117\u0161\u0173, kuri\u0173 vert\u0117 vir\u0161ijo 1 mlrd. USD, ir prisijung\u0117 prie geid\u017eiamo vienaragi\u0173 panteono. Ta\u010diau \u0161ie vertinimai atspindi ne tik investuotoj\u0173 pasitik\u0117jim\u0105. Jie rodo s\u0117km\u0119, kai jie suk\u016br\u0117 \u017elugdan\u010dius fintech modelius, i\u0161 prad\u017ei\u0173 sukurtus brand\u017eioms ekonomikoms, ir pritaikant juos [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":985,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[4],"tags":[2131,1670,1796,2488,2487,1675,2485,2486,2169],"class_list":["post-984","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technologijos","tag-afrikos","tag-ant","tag-fintech","tag-kojas","tag-laikydami","tag-laimi","tag-naujausi","tag-vienaragiai","tag-zemes"],"aioseo_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Naujausi Afrikos fintech vienaragiai laimi laikydami kojas ant \u017eem\u0117s - VienaPaskola.LT<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vienapaskola.lt\/index.php\/2024\/12\/29\/naujausi-afrikos-fintech-vienaragiai-laimi-laikydami-kojas-ant-zemes\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Naujausi Afrikos fintech vienaragiai laimi laikydami kojas ant \u017eem\u0117s - VienaPaskola.LT\" \/>\n<meta property=\"og:description\" content=\"Afrikos technologij\u0173 ekosistema k\u0105 tik sulauk\u0117 d\u0117mesio \u2013 Piet\u0173 Afrikos \u201eTymeBank\u201c ir Nigerijos \u201eMoniepoint\u201c pastarosiomis savait\u0117mis pritrauk\u0117 l\u0117\u0161\u0173, kuri\u0173 vert\u0117 vir\u0161ijo 1 mlrd. 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