{"id":65,"date":"2024-07-17T11:00:23","date_gmt":"2024-07-17T11:00:23","guid":{"rendered":"https:\/\/europaskolos.lt\/index.php\/2024\/07\/17\/matera-surenka-100-mln-usd-is-warburg-pincus-kad-padetu-jav-pasivyti-brazilija-momentiniais-mokejimais\/"},"modified":"2024-07-17T11:00:23","modified_gmt":"2024-07-17T11:00:23","slug":"matera-surenka-100-mln-usd-is-warburg-pincus-kad-padetu-jav-pasivyti-brazilija-momentiniais-mokejimais","status":"publish","type":"post","link":"https:\/\/europaskolos.lt\/index.php\/2024\/07\/17\/matera-surenka-100-mln-usd-is-warburg-pincus-kad-padetu-jav-pasivyti-brazilija-momentiniais-mokejimais\/","title":{"rendered":"\u201eMatera\u201c surenka 100 mln. USD i\u0161 \u201eWarburg Pincus\u201c, kad pad\u0117t\u0173 JAV pasivyti Brazilij\u0105 momentiniais mok\u0117jimais"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p id=\"speakable-summary\" class=\"wp-block-paragraph\">Teigti, kad Brazilijos centrinio banko sukurta momentini\u0173 mok\u0117jim\u0173 sistema Pix buvo did\u017eiul\u0117 s\u0117km\u0117, yra per menka.<\/p>\n<p class=\"wp-block-paragraph\">Naudojant Pix, pinigai tiesiogiai juda tarp pagrindini\u0173 skirting\u0173 finans\u0173 \u012fstaig\u0173 bank\u0173 sistem\u0173.  \u012evaikinimas buvo pla\u010diai paplit\u0119s ir paplit\u0119s.  \u0160alies gyventojai per mobili\u0105sias pinigines turi galimyb\u0119 net atsiskaityti su sistema besinaudojantiems gatv\u0117s prekeiviams.  \u0160i\u0173 met\u0173 prad\u017eioje Pix buvo <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/insight\/pix-latest-updates-brazils-leading-instant-payment-scheme\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u012fvertintas<\/a> naudos apie 153 milijonai brazil\u0173 (apie 75 % gyventoj\u0173) ir 15 milijon\u0173 \u012fmoni\u0173. <\/p>\n<p class=\"wp-block-paragraph\">\u201ePix\u201c s\u0117km\u0117 nat\u016braliai paskatino pagalbines technologijas teikian\u010di\u0173 \u012fmoni\u0173 augim\u0105.  Vienas i\u0161 to pavyzd\u017ei\u0173 yra <a href=\"https:\/\/lp.matera.com.br\/en\/instant-payment\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Matera<\/a>, Brazilijos \u012fmon\u0117, teikianti finansin\u0117ms institucijoms momentinius mok\u0117jimus, QR kodo mok\u0117jimus ir pagrindin\u0119 banko programin\u0119 \u012frang\u0105.  \u201eMatera\u201c si\u016blo programin\u0119 \u012frang\u0105 bankams ar licencijuotoms mok\u0117jimo \u012fstaigoms, kad \u0161ios Pix aplinkoje gal\u0117t\u0173 si\u0173sti ir gauti \u201ePix\u201c, priskirti slapyvard\u017eius, generuoti QR kodus ir atlikti kitas funkcijas. <\/p>\n<p class=\"wp-block-paragraph\">Kai \u201ePix\u201c operacija pakei\u010dia kredito kortel\u0117s operacij\u0105, rinkos dal\u012f ne tik praranda pagrindiniai mok\u0117jim\u0173 tinklai, bet ir \u012fmon\u0117s, padedan\u010dios atlikti momentinius banko mok\u0117jimus, pavyzd\u017eiui, \u201eMatera\u201c, u\u017eima rinkos dal\u012f. <\/p>\n<p class=\"wp-block-paragraph\">\u201ePix\u201c buvo pristatytas 2020 m. Brazilijoje, padedant \u201eMatera\u201c augimui.  \u201eMatera\u201c teigia, kad nuo to laiko ji i\u0161augo 4 kartus ir 2023 m. pasiek\u0117 30 % didesnes pajamas \u2013 77 mln. USD. Ne\u012fprasta, kad 1987 m. \u012fkurta \u012fmon\u0117 taip spar\u010diai auga pra\u0117jus tiek met\u0173 nuo \u012fk\u016brimo.<\/p>\n<p class=\"wp-block-paragraph\">\u0160iandien \u201eMatera\u201c prane\u0161a, kad gavo 100 milijon\u0173 doleri\u0173 investicij\u0105 i\u0161 Warburg Pincus, suteikdama privataus kapitalo \u012fmonei kontrolin\u012f bendrov\u0117s akcij\u0173 paket\u0105.<\/p>\n<p class=\"wp-block-paragraph\">\u201eMatera\u201c yra pana\u0161i \u012f FIS, \u201eFiserv\u201c ir \u201eJack &#038; Henry\u201c, pagrindinius bank\u0173 tiek\u0117jus JAV, ir dabar ji siekia augti ir \u0160iaur\u0117s Amerikoje.  Kad b\u016bt\u0173 ai\u0161ku, \u201eMatera\u201c nesi\u016blo savo pagrindinio bankininkyst\u0117s sprendimo \u0160iaur\u0117s Amerikos rinkose, nes tai jau daro nema\u017eai esam\u0173 operatori\u0173.  Ta\u010diau ji orientuota \u012f skaitmenini\u0173 dvyni\u0173 ir QR kod\u0173 mok\u0117jimo sprendim\u0173 si\u016blym\u0105 \u0160iaur\u0117s Amerikoje.<\/p>\n<p class=\"wp-block-paragraph\">\u201e\u0160ie sprendimai padeda sukurti lankstesn\u012f finans\u0173 \u012fstaig\u0173 veiklos model\u012f \u2013 sustiprinti pagrindin\u0119 bankininkyst\u0117s sistem\u0105, bet jos nepakeisti\u201c, \u2013 \u201eTechCrunch\u201c sak\u0117 \u201eMatera\u201c generalinis direktorius ir vienas i\u0161 \u012fk\u016br\u0117j\u0173 Carlosas Netto.  \u201eMatera tikisi pad\u0117ti JAV pasivyti Brazilij\u0105, kai kalbama apie momentinius mok\u0117jimus, ta\u010diau yra tvirtai \u012fsitikin\u0119s, kad pagrindinis tikslas yra suma\u017einti sen\u0173 sistem\u0173 sud\u0117tingum\u0105.<\/p>\n<p class=\"wp-block-paragraph\">Ji pasirinko investicijas i\u0161 Warburg Pincus, nes nor\u0117jo, kad JAV partneris pad\u0117t\u0173 jai nar\u0161yti ir patekti \u012f JAV rink\u0105, sak\u0117 Matera.<\/p>\n<p class=\"wp-block-paragraph\">JAV vyriausyb\u0117s momentini\u0173 mok\u0117jim\u0173 sistema, <a href=\"https:\/\/www.frbservices.org\/financial-services\/fednow\/organizations\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">\u201eFedNow\u201c paslauga<\/a>, <a href=\"https:\/\/techcrunch.com\/2023\/07\/21\/fednow-is-finally-live-in-the-us\/\">prad\u0117jo transliuoti ma\u017edaug prie\u0161 metus<\/a> ir buvo l\u0117tas gr\u016bd\u0173 sukibimas.<\/p>\n<p class=\"wp-block-paragraph\">\u201eMatera\u201c teigia, kad per m\u0117nes\u012f apdoroja beveik 500 milijon\u0173 \u201ePix\u201c operacij\u0173, o su neseniai pasira\u0161ytu sandoriu \u0161is skai\u010dius netrukus pasieks 1 milijard\u0105 per m\u0117nes\u012f.  Ji turi apie 280 klient\u0173, \u012fskaitant du i\u0161 trij\u0173 geriausi\u0173 pasaulio bank\u0173, tris i\u0161 10 geriausi\u0173 JAV bank\u0173 ir tre\u010ddal\u012f vis\u0173 bank\u0173 Brazilijoje.  Bendrov\u0117s modelis nuo pat \u012fk\u016brimo buvo pagr\u012fstas prenumerata.  Prenumeratos mokes\u010diai paprastai kinta, atsi\u017evelgiant \u012f apimt\u012f, pvz., s\u0105skait\u0173 skai\u010di\u0173, Pix operacijas ir paskolos sutartis.<\/p>\n<p class=\"wp-block-paragraph\">\u0160iuo metu Materoje dirba 1100 darbuotoj\u0173, o prie\u0161 metus j\u0173 buvo ma\u017edaug 900. <\/p>\n<p class=\"wp-block-paragraph\">Henrique Muramoto, Warburg Pincus generalinis direktorius, sak\u0117, kad jo \u012fmon\u0117 steb\u0117jo Mater\u0105 nuo tada, kai Brazilijoje atsirado Pix.<\/p>\n<p class=\"wp-block-paragraph\">\u201eKalbant apie pa\u017eangi\u0105 mok\u0117jim\u0173 infrastrukt\u016br\u0105, Brazilija pirmauja kaip \u0161alis pionier\u0117\u201c, \u2013 sak\u0117 jis \u201eTechCrunch\u201c. infrastrukt\u016bra\u201c.<\/p>\n<p class=\"wp-block-paragraph\"><em>Norite gauti daugiau \u201efintech\u201c naujien\u0173?  Prisiregistruokite prie \u201eTechCrunch Fintech\u201c. <\/em><a href=\"https:\/\/techcrunch.com\/newsletters\" target=\"_blank\" rel=\"noreferrer noopener\"><em>\u010dia<\/em><\/a><em>.<\/em><\/p>\n<p class=\"wp-block-paragraph\"><em>Norite susisiekti su patarimu?  Ra\u0161ykite man el. lai\u0161k\u0105 adresu maryann@techcrunch.com arba atsi\u0173skite man prane\u0161im\u0105 \u201eSignal\u201c numeriu 408.204.3036.  Taip pat galite i\u0161si\u0173sti prane\u0161im\u0105 visai \u201eTechCrunch\u201c komandai adresu tips@techcrunch.com.  Nor\u0117dami u\u017etikrinti saugesn\u012f ry\u0161\u012f, <\/em><a href=\"https:\/\/techcrunch.com\/tips\" target=\"_blank\" rel=\"noreferrer noopener\"><em>spustel\u0117kite \u010dia nor\u0117dami susisiekti su mumis<\/em><\/a><em>kuri apima SecureDrop (<\/em><a href=\"https:\/\/techcrunch.com\/securedrop\" target=\"_blank\" rel=\"noreferrer noopener\"><em>instrukcijos \u010dia<\/em><\/a><em>) ir nuorodos \u012f \u0161ifruotas prane\u0161im\u0173 siuntimo programas.<\/em><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/techcrunch.com\/2024\/07\/17\/matera-raises-100m-from-warburn-pincus-to-help-the-u-s-catch-up-to-brazil-in-instant-payments\/\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Teigti, kad Brazilijos centrinio banko sukurta momentini\u0173 mok\u0117jim\u0173 sistema Pix buvo did\u017eiul\u0117 s\u0117km\u0117, yra per menka. Naudojant Pix, pinigai tiesiogiai juda tarp pagrindini\u0173 skirting\u0173 finans\u0173 \u012fstaig\u0173 bank\u0173 sistem\u0173. \u012evaikinimas buvo pla\u010diai paplit\u0119s ir paplit\u0119s. \u0160alies gyventojai per mobili\u0105sias pinigines turi galimyb\u0119 net atsiskaityti su sistema besinaudojantiems gatv\u0117s prekeiviams. \u0160i\u0173 met\u0173 prad\u017eioje Pix buvo \u012fvertintas naudos [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":66,"comment_status":"open","ping_status":"open","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":[5],"tags":[],"class_list":["post-65","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-technologijos-programine-iranga-prietaisai"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/europaskolos.lt\/index.php\/wp-json\/wp\/v2\/posts\/65","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/europaskolos.lt\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/europaskolos.lt\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/europaskolos.lt\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/europaskolos.lt\/index.php\/wp-json\/wp\/v2\/comments?post=65"}],"version-history":[{"count":0,"href":"https:\/\/europaskolos.lt\/index.php\/wp-json\/wp\/v2\/posts\/65\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/europaskolos.lt\/index.php\/wp-json\/wp\/v2\/media\/66"}],"wp:attachment":[{"href":"https:\/\/europaskolos.lt\/index.php\/wp-json\/wp\/v2\/media?parent=65"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/europaskolos.lt\/index.php\/wp-json\/wp\/v2\/categories?post=65"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/europaskolos.lt\/index.php\/wp-json\/wp\/v2\/tags?post=65"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}