{"id":12764,"date":"2021-11-18T10:28:44","date_gmt":"2021-11-18T10:28:44","guid":{"rendered":"https:\/\/www.factris.com\/?p=12764"},"modified":"2021-11-18T10:31:32","modified_gmt":"2021-11-18T10:31:32","slug":"investavimas-i-savo-versla-kaip-fintech-bendrove-isgyveno-pirmaja-pasauline-krize","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/krizes-issukiai-fintech-verslui\/","title":{"rendered":"Investavimas \u012f savo versl\u0105: kaip fintech bendrov\u0117 i\u0161gyveno pirm\u0105j\u0105 pasaulin\u0119 kriz\u0119"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.7.6″ _module_preset=”default” custom_padding=”21px|||||”][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.8.2″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”%%2%%” button_icon_placement=”left” button_on_hover=”off” button_text_color__hover_enabled=”off|hover” custom_padding__hover_enabled=”off|desktop” custom_padding__hover=”|||59px|false|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” max_width=”700px”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” header_font_size=”46px” header_line_height=”1.4em” header_2_font=”|700|||||||” header_2_text_color=”#000a54″ header_2_font_size=”27px” header_2_line_height=”1.3em” header_3_font=”|700|||||||” header_3_text_color=”#000a54″ header_3_font_size=”25px” header_3_line_height=”35px” header_4_font=”|700|||||||” header_4_text_color=”#000a54″ header_4_font_size=”21px” header_4_line_height=”29px” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

Kalbant apie investavim\u0105 negalima u\u017emir\u0161ti ir… investavimo \u012f savo verslo k\u016brim\u0105. Daugelis investavimo specialist\u0173 persp\u0117t\u0173, kad suk\u016brus ir pl\u0117tojant savo versl\u0105 pats esi atsakingas u\u017e investavimo s\u0117km\u0119. Bet kartu gauni ir vos ne did\u017eiausi\u0105 galim\u0105 gr\u0105\u017e\u0105. Ta\u010diau negalima u\u017emir\u0161ti, kad verslo k\u016br\u0117jai, paprastai, bent jau kelet\u0105 met\u0173 patys jam ir vadovauja. O tai reikalauja ne tik speciali\u0173 \u017eini\u0173, bet ir laiko.<\/h2>\n

Justas \u0160altinis tok\u012f \u017eingsn\u012f i\u0161dr\u012fso \u017eengti 2015 m. suk\u016br\u0119s pirm\u0105j\u0105 alternatyvaus finansavimo faktoringu<\/a> \u012fmon\u0119 Lietuvoje \u201eDebifo\u201c. \u0160io fintech<\/em>\u2018o veikla su tarptautiniu pavadinimu s\u0117kmingai pl\u0117tojama ir \u0161iandien.<\/p>\n

J. \u0160altinis dabar yra alternatyvaus finansavimo UAB Factris LT1 vadovas. Prie\u0161 kelet\u0105 met\u0173 Nyderland\u0173 faktoringo fintech<\/em>\u2018as \u201eFactris\u201c<\/a> suplanavo pl\u0117tr\u0105 Europoje ir analizavo, nuo kuri\u0173 \u0161ali\u0173 j\u0105 prad\u0117ti. Lietuvoje buvo pasteb\u0117ta faktoringo paslaugas teikianti ir spar\u010diai augusi bendrov\u0117 \u201eDebifo\u201c. 2019 m. Nyderland\u0173 ir Lietuvos alternatyvaus finansavimo bendrov\u0117s susijung\u0117 ir susivienijo po \u201eFactris\u201c vardu.<\/p>\n

Pasaulyje ir Lietuvoje fintech<\/em> bendrov\u0117s i\u0161gyveno pirm\u0105j\u0105 pasaulin\u0119 kriz\u0119, kuri\u0105 suk\u0117l\u0117 COVID-19 pandemija. J. \u0160altinis pasakoja, kad \u201ekriz\u0117s nenumatysi, bet reikia b\u016bti pasiruo\u0161usiam kovoti su ne\u017einomybe\u201c. Beje, jis u\u017esimena, kad suvienijus j\u0117gas kriz\u0119 pavyko \u012fveikti itin s\u0117kmingai.<\/p>\n

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Krizei ruo\u0161\u0117si nuo \u012fmon\u0117s suk\u016brimo<\/h2>\n

\u201eKriz\u0117s akivaizdoje supratau, kad teisinga komanda gali palengvinti vadovo darb\u0105 \u012fveikiant i\u0161orinius kriz\u0117s keliamus i\u0161\u0161\u016bkius. Be to, b\u016btina dinami\u0161kai ir operatyviai reaguoti \u012f besikei\u010dian\u010dias rinkos realijas, o sukaupti rezervai padeda ilgiau i\u0161laikyti sveik\u0105 prot\u0105\u201c, \u2013 patirtimi apie pirmosios kriz\u0117s pamokas dalinasi savo verslo k\u016br\u0117jas.<\/p>\n

\u201eFactris\u201c, kuris \u0161iuo metu taip pat veikia ir Nyderlanduose bei Latvijoje, kaip ir kitos alternatyvaus finansavimo bendrov\u0117s Europoje, susid\u016br\u0117 su daugybe i\u0161\u0161\u016bki\u0173. D\u0117l smulkaus ir vidutinio verslo suma\u017e\u0117jusio poreikio finansuoti savo veikl\u0105 faktoringu ar kitomis alternatyvaus finansavimo priemon\u0117mis, atsiradusio neai\u0161kumo ir neapibr\u0117\u017etumo rinkoje faktoringas kaip paslauga ma\u017e\u0117jo, trauk\u0117si j\u0105 teikian\u010di\u0173 bendrovi\u0173 portfelis. Be to, pandemijos kankinamam verslui \u012f pagalb\u0105 at\u0117jo valstyb\u0117 su pigesniais pinigais, dotacijomis, lengvatin\u0117mis paskolomis. Net patyrusiai \u201eFactris\u201c komandai buvo sud\u0117tinga rasti nauj\u0173 klient\u0173, buvo nuolat sulaukiama neigiam\u0173 atsakym\u0173 d\u0117l si\u016blomo faktoringo. Tai l\u0117m\u0117 faktoringo paslaugos ma\u017e\u0117jim\u0105 ir pajam\u0173 kritim\u0105, suma\u017eino komandos motyvacij\u0105, atsirado b\u016btinyb\u0117 per\u017ei\u016br\u0117ti fiksuotas i\u0161laidas, o \u012fmon\u0117 pirm\u0105 kart\u0105 po daugelio s\u0117kming\u0173 met\u0173 pelno eilut\u0117je fiksavo nedidel\u012f nuostol\u012f.<\/p>\n

\u201eNeperd\u0117siu teigdamas, kad \u012fkurta fintech<\/em> bendrov\u0117 pana\u0161ioms kriz\u0117ms ruo\u0161\u0117si nuo pirm\u0173j\u0173 veiklos met\u0173\u00a0\u2013 buvo \u017ei\u016brima \u012f priek\u012f, nes ekonomika visuomet i\u0161gyvena ir pakilimus, ir kritimus. Beje, \u0161iai pasaulinei krizei beveik visi \u201evadov\u0117liai\u201c pie\u0161\u0117 vien\u0105 scenarij\u0173: did\u0117s pinig\u0173 poreikis i\u0161 versl\u0173, did\u0117s nuostolingumas, ma\u017e\u0117s finansuotoj\u0173, kurie nor\u0117s skolinti alternatyviems verslams, \u2013 prisimena Justas. \u2013 Tikrov\u0117je tur\u0117jome visai kit\u0105 scenarij\u0173: pinig\u0173 poreik\u012f patenkino valstybinis finansavimas ir subsidijos, portfelio nuostolingumas ma\u017e\u0117jo, o finansuotojai i\u0161laik\u0117 savo linijas.\u201c<\/p>\n

\u012eveikti kriz\u0119 ir i\u0161 jos s\u0117kmingai i\u0161eiti pad\u0117jo tai, kad \u201eFactris\u201c periodi\u0161kai vykd\u0117 klient\u0173 ir portfelio streso testus siekdamas nustatyti galim\u0105 nuostolingum\u0105 ir prisiimam\u0105 rizikos dyd\u012f. Taip pat kiekvien\u0105 m\u0117nes\u012f kaup\u0117 atid\u0117jinius blogoms skoloms \u2013 dabar sukaup\u0117 beveik daugiau atid\u0117jini\u0173, nei turi bendrai atgautin\u0173 blog\u0173 skol\u0173.<\/p>\n

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Tarptautinis u\u017enugaris ir 15 punkt\u0173 krizei \u012fveikti<\/h2>\n

COVID-19 pandemijos metu \u201eFactris\u201c \u0117m\u0117 dar glaud\u017eiau bendrauti su verslo partneriais, pvz., Nyderland\u0173 draudimo bendrove \u201eAtradius\u201c ir finansuotojais. \u201eFactris LT1\u201c yra apsidraudusi bendrov\u0117je \u201eAtradius\u201c per savo \u201emotinin\u0119\u201c \u012fmon\u0119 Nyderlanduose \u201eFactris Holding B.V.\u201c<\/a>, tod\u0117l gali dr\u0105siau finansuoti klientus, nes potencialius nuostolius prisiimt\u0173 draudikas. Prekini\u0173 kredit\u0173 draudimas suteikia draudimo apsaug\u0105 nuo pirk\u0117j\u0173 nemokumo, bankroto bei nes\u0105\u017einingumo, pvz., ty\u010dinio vengimo atsiskaityti, ir d\u0117l to galim\u0173 nuostoli\u0173, kuri\u0173 verslas gali patirti, jei jo preki\u0173 ar paslaug\u0173 pirk\u0117jas ne\u012fvykdyt\u0173 savo prievol\u0117s. \u0160i\u0105 paslaug\u0105 \u201eFactris\u201c teikia ir vidaus, ir eksporto rinkose dirban\u010dioms Lietuvos bendrov\u0117ms.<\/p>\n

\u201eCOVID-19 akivaizdoje per\u017ei\u016br\u0117jome klient\u0173 portfel\u012f ir nustat\u0117me rizikingiausius klientus bei aktyviai ie\u0161kojome abiem pus\u0117ms teising\u0173 sprendim\u0173, pvz., papildomos kliento garantijos i\u0161laikant finansavimo apimtis, pasi\u016bl\u0117me mok\u0117jimo grafikus su sunkumais susid\u016brusioms \u012fmon\u0117ms ir tolesn\u012f finansavim\u0105 per saugesnius produktus, papildom\u0105 prekinio kredito draudim\u0105, kuris ma\u017eina rizik\u0105 abiem pus\u0117ms \u2013 ir klientui, ir finansuotojui, \u2013 apie veiksmus, pad\u0117jusius \u012fveikti pandemijos i\u0161\u0161\u016bkius, pasakoja Justas. \u2013 Su komanda sudar\u0117me 15 punkt\u0173, kaip galime padidinti pajamas ir suma\u017einti neb\u016btin\u0105sias i\u0161laidas.\u201c<\/p>\n

Anot jo, tarp \u0161i\u0173 punkt\u0173 buvo ir b\u016btinyb\u0117 per\u017ei\u016br\u0117ti klientams taikom\u0105 kainodar\u0105 bei mokes\u010di\u0173 susirinkim\u0105, sukurti kampanijas neaktyvi\u0173 klient\u0173 susigr\u0105\u017einimui, atnaujinti rekomendacij\u0173 program\u0105. Pagal sudaryt\u0105 plan\u0105 ma\u017eindami s\u0105naudas nukirpo neb\u016btin\u0105sias i\u0161laidas, der\u0117josi d\u0117l \u012fvairi\u0173 nuolaid\u0173 COVID-19 laikotarpiu, aktyviai vald\u0117 nepanaudot\u0173 pinig\u0173 likut\u012f, per\u017ei\u016br\u0117jo rinkodaros biud\u017eet\u0105, steb\u0117jo darbuotoj\u0173 u\u017eimtum\u0105, per\u017ei\u016br\u0117jo atsiskaitymo terminus su did\u017eiausiais partneriais. \u0160ie ir kiti poky\u010diai kas m\u0117nes\u012f padeda sutaupyti solid\u017eias pinig\u0173 sumas.<\/p>\n

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Poky\u010diai ir siurprizai<\/h2>\n

\u201ePra\u0117jus\u012f ruden\u012f tur\u0117jome svarbi\u0173 poky\u010di\u0173 komandoje, pvz., vadovo ir strukt\u016bros pasikeitimai, vidiniai paauk\u0161tinimai, motyvacin\u0117 sistema, glaudesnis komandinis darbas derinamas su \u201ekiekvienas u\u017e save\u201c, po kuri\u0173 pavyko komand\u0105 sustyguoti ir sutelkti bendram tikslui \u2013 dirbti kaip viena komanda ir galiausia gr\u012f\u017eti \u012f pelningum\u0105, \u2013 pasakoja Justas. \u2013 Taip pat per\u017ei\u016br\u0117jome kliento finansavimo keli\u0105 nuo pirmo skambu\u010dio iki l\u0117\u0161\u0173 i\u0161mok\u0117jimo, eliminavome besidubliuojan\u010dias operacijas ir pagerinome informacijos dalinim\u0105si tarp skyri\u0173. Rezultatas \u2013 suk\u016br\u0117me labiau LEAN rizikos ir operacij\u0173 procesus, kurie leido pasiekti didesn\u012f klient\u0173 pasitenkinim\u0105 ir padidinti aptarnavimo spart\u0105.\u201c<\/p>\n

Ta\u010diau pandemijos sukelta pirmoji pasaulin\u0117 kriz\u0117 jaunai fintech<\/em> bendrovei nepra\u0117jo be siurpriz\u0173.<\/p>\n

\u201eIki pandemijos sukeltos kriz\u0117s \u201eFactris\u201c veikla buvo alternatyvus finansavimas \u2013 faktoringas, o taip pat kredito draudimas, rizikos vertinimas, atvirk\u0161tinis faktoringas, \u012fmoni\u0173 finans\u0173 vertinimas. Ir galima prisipa\u017einti, kad kitos galimyb\u0117s didinti \u012fmoni\u0173 apyvartin\u012f kapital\u0105 ar apyvartines l\u0117\u0161as \u2013verslo paskola ar kredito linija \u2013 nebuvo m\u016bs\u0173 planuose. Ta\u010diau COVID-19 laikotarpis parod\u0117, kad tokie produktai kaip verslo paskola ar kredito linija yra labiau siektini\u201c, \u2013 \u012f\u017evalgomis dalinasi verslo k\u016br\u0117jas.<\/p>\n

Kriz\u0117s laikotarpiu \u201eFactris\u201c rinkai pasi\u016bl\u0117 naujus produktus \u2013 kredito linijas, verslo paskolas, kurie pelningumu nenusileido ilgus metus vystytai faktoringo paslaugai. Tiesa, klientams pasi\u016blius \u201epigesni\u0173\u201c pinig\u0173 smuko klient\u0173 finansavimo kaina ir susitrauk\u0117 bendras \u201eFactris\u201c pajamingumas.<\/p>\n

Ta\u010diau taikydamas \u012fvairias priemones ir veiksmus \u201eFactris\u201c, palyginti su pra\u0117jusiais metais, absoliu\u010diai suma\u017eino blog\u0173 skol\u0173 sum\u0105 ir daugiau nei du kartus i\u0161augino portfel\u012f. Pavyzd\u017eiui, 2020 m. rugs\u0117j\u012f portfelis sudar\u0117 8,5 mln. Eur, o \u0161iemet rugs\u0117j\u012f \u2013 20,5 mln. Eur, atitinkamai, bendrasis m\u0117nesio pelnas per metus i\u0161augo 137\u00a0%.<\/p>\n

Justas, baigdamas pokalb\u012f apie investavim\u0105 \u012f savo versl\u0105, akcentuoja, kad reikia nusiteikti sunkiam nuolatiniam darbui, netik\u0117tiems i\u0161\u0161\u016bkiams, nestandartiniams ir greitiems sprendimams, kurie nebus apra\u0161yti vadov\u0117liuose. Praktika parod\u0117, kad taip pat reikia i\u0161analizuoti galimus i\u0161\u0161\u016bkius ir ekonomin\u0117s kriz\u0117s atvejui susiplanuoti finansin\u0119 \u201epagalv\u0119\u201c, kuria gali tapti ir bet koks i\u0161orinis finansavimas: faktoringas, kreditas, paskola ar kita verslui tinkama finansin\u0117 priemon\u0117.<\/p>\n

Ta\u010diau, akcentuoja Justas, kai \u012fveik\u0119s visus sunkumus ir i\u0161\u0161\u016bkius pasieki suplanuot\u0173 rezultat\u0173, ateina pasitenkinimas savo pastangomis ir gaunama gr\u0105\u017ea.<\/p>\n

Straipsnis pirm\u0105 kart\u0105 publikuotas portale delfi.lt.<\/a><\/em><\/p>\n

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Papasakokite savo verslo istorij\u0105<\/h2>\n

Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n

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Kalbant apie investavim\u0105 negalima u\u017emir\u0161ti ir… investavimo \u012f savo verslo k\u016brim\u0105. Daugelis investavimo specialist\u0173 persp\u0117t\u0173, kad suk\u016brus ir pl\u0117tojant savo versl\u0105 pats esi atsakingas u\u017e investavimo s\u0117km\u0119. Bet kartu gauni ir vos ne did\u017eiausi\u0105 galim\u0105 gr\u0105\u017e\u0105. Ta\u010diau negalima u\u017emir\u0161ti, kad verslo k\u016br\u0117jai, paprastai, bent jau kelet\u0105 met\u0173 patys jam ir vadovauja. O tai reikalauja ne […]<\/p>\n","protected":false},"author":1,"featured_media":12763,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\n

Advisory board<\/strong><\/p>\n\n\n\n

Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

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