Fly Now, Pay Later
I-agency ye-Travel CheapAir.com iye yaba ngowokuqala ukunika abathengi ithuba lokuhlawula inyanga zonke ukuhlawula iindiza zabo. Abaxhasi bangahamba ngoku kwaye bahlawule iindiza zabo kwiinyanga ezintathu, ezintandathu okanye ezili-12 ngokubambisana neenkampani zezimali.
UGreg Samson, umongameli weentengiso ze-CheapAir.com, wathi imbono yokuhlawulwa ngenyanga iyingxenye yenkqubela yakhe yenkampani. "Senze kakade izinto ezininzi ukuzama nokuvuselela indlela abantu abahlawula ngayo ukuhamba kwi-CheapAir.com," watsho.
Ininzi leminyaka edlulileyo, i-CheapAir.com yowokuqala ukuvumela abathengi ukuba bahlawule ngemali kwi-Western Union okanye nge-app yenkampani, watsho uSamson. "Kwakhona siyi-ejensi yokuhamba yokuqala yokuthatha iBitcoin. Sizama kwaye sinokukhetha okukhethiweyo ukuphendula iimfuno zabathengi bethu, "watsho. Kwaye le nkampani yowokuqala ukunika ukhuseleko lomthengi ngexabiso layo lokuhlawula imali, elihlawulela abathengi ukuya kwii-100 zama-tikiti nganye xa ikhefu yabo ihlahla ngaphambi kohambo lwabo.
Uhambo luya kuba lindleko, kwaye kunokuba nzima ukuba abantu bahlawule yonke indleko phambi, watsho uSamson. "Ngoko sifuna ukubanika enye indlela yokuthenga uhambo."
Ukuqinisekisileyo yayiyinkampani efanelekileyo, watsho uSamson. "Kwinqanaba lobugcisa, sasithanda indlela esinokudibanisa ngayo kunye neenkqubo zabo. Kwaye sasithandeka ukusetyenziswa, "watsho. "Konke esikwenzayo kucela iincwadana ezimbalwa zeenkcukacha - igama lakho, i-imeyile, inombolo yefowuni kunye nomhla wokuzalwa kwe-DOB - kwisigqibo sexesha lesikratshi sangempela, kwaye sithanda ukulula."
Indlela eqinisekisileyo yokuphatha imvume ikwaziswa ngamaqela e-FICO, kodwa ingathembeli ngokupheleleyo, watsho uSamson. "Abanye abathengi abanakho ukuba bangenayo imbali yesikweletu semveli okanye babambe ikhadi lekhredithi, kodwa banokufumana ithuba lokufumana imali ngohambo ngokusebenzisa olu khetho," watsho.
Inika i-CheapAir.com ithuba lokufikelela kwicandelo labathengi abangafuni ukusebenzisa amakhadi-mboleko okanye abanalo, utshilo uSamson, ekhankanya uphando lwebhanki oluthole i-67% yabantwana abaneminyaka eyi-18 ukuya kwe-29 ubudala. ayinayo ikhadi lekhredithi.
"Abaninzi beMillenials bayakufanelekela, kodwa khetha ukungawasebenzisi iintlobo zemveli zemveli zeentengo zemali ukuba izizukulwana ezidala zisebenzise rhoqo."
Amanani omyinge avela kwi-10 ukuya kwi-30 ekhulwini ngonyaka, watsho uSamson. "Kodwa inani labantu abahlawulayo liya kuba ngaphantsi kwelo. Ukuba uncedisa ngeenyanga ezintandathu, uhlawule ngokukodwa iipesenti ezintlanu, "watsho.
Xa abathengi bekhasi lokukhupha, bangakhetha ukhetho lwenyanga nganye. Ukuqinisekiswa akuhlawulisi iifizi zokugqibela, iintlawulo zeenkonzo, iifizi zokuhlawulwa kwangaphambili okanye nayiphina imirhumo efihliweyo, kwaye abathengi banokuhlawula ibhilikhwe nganye yenyanga ngekhadi lokubambisa, ukuchithwa kwe-ACH okanye isheke. Ikhredithi yokuthenga ngetyala yenziwa ngexesha langempela ukuqinisekisa ubungqina kunye nokuchonga ukufaneleka kokuthenga kwaye akuchaphazeli amanqaku esikweletu.
Intsebenziswano kunye ne-Affirm iyabonakala. "Abayifaki imali kwimali yokugqibela, imirhumo yenkonzo, iifizi zokuhlawula imali okanye ezinye iimali ezifihliweyo," uthe "Bakwenza kube lula ukuba abantu bahlawule ixesha. Sifuna abantu babe nolwazi oluhle, buyele uze wenze kwakhona. "
Kuya kuba lunomdla ukubona uhambo lweentengiso ezithengiswayo ngokuqinisekisiweyo, watsho uSamson. "Asisazi kwaye sinomdla wokubona oko kubonakala ngathi, kodwa ukuthenga okuqhelekileyo kwisayithi kujikeleze i-$ 400," watsho.
"Ngokwenene sinomdla wokubona ukuba iindwendwe ezifumana inkxaso-mali zihambelana nelo okanye iindleko ezingaphezulu. Siza kubona oko kwenzekayo xa kuqalisiwe. "
Ukutshekisha ngokukhawuleza kwiwebhusayithi yeentengo phakathi kweWashington, DC, neSan Francisco ngo-Oktobha zibonise iindiza ezinxulumene neenqwelo ezinxulumene neenqwelo-moya ezivela kwi-404 ukuya kwi-449 i-roundtrip.
Kungenzeka ukuba abantu baya kuhlawula iindleko ezibiza kakhulu, watsho uSamson. "Kunokwenzeka ukuba abantu baya kuthatha iindwendwe ezinkulu okanye zamazwe ngamazwe, okanye benze ezinye iindidi zokugqibela, eziya kuba zibiza kakhulu," watsho.
CheapAir.com ayiyi kukhuthaza ukuhamba okuthe ngqo, watsho uSamson. "Kodwa sivuyiswa kukuba nayiphi na ihambo ingaxhaswa ngemali - ekhaya okanye ngamazwe ngamazwe, ngomso okanye ezintandathu ezintandathu ukususela ngoku," esho. "Ngoku unenkululeko yokuthenga uhambo xa ulungele."