Fly Now, Pay Later
Online travel agency CheapAir.com ndiyo yakava yokutanga kupa vatengi mutero wekubhadhara pamwedzi kunobhadhara mavari. Vatengesi vanogona kufamba zvino uye kubhadhara ndege dzavo pamwedzi mitatu, mitanhatu kana gumi kuburikidza nekubatana nekambani yemari Affirm.
Greg Samson, vamiririri wekutengeserana kweAngerAir.com, vakati pfungwa yekubhadhara mwedzi mumwe nomumwe inhengo yekambani yake yekushanduka. "Takatotanga kuita zvinhu zvakawanda kuti tiedze uye tive nekuvandudza kuti vanhu vanobhadhara sei kuenda kuBlackAir.com," akadaro.
Makore akawanda akapfuura, CheapAir.com ndiyo yekutanga kubvumira vatengi kubhadhara mari muWest Union kana nehuwandu hwekambani, akadaro Samusoni. "Isu taimbovawo sangano rekutanga rekufamba nekutora Bitcoin. Isu tinoedza uye tine mikana yakasarudzwa yekubhadhara kuti tibvunze kune vatengi vedu zvido zvakasiyana, "akadaro. Uye kambani iyi ndiyo yekutanga kugovera mutengi kudzivirira neMutengo Wadzo Wekubhadhara, iyo inokweretesa vatengi kusvika ku $ 100 pamiti yekutiti kana yavo inodonha marashi vasati vaenda.
Kufamba kunogona kudhura, uye zvinogona kuva zvakaoma kuti vanhu vabhadhara mari yose, mberi kwaSamusoni. "Saka taida kuvapa imwe nzira yokutenga kufamba."
Akatsigira ndiye aiva shamwari yakanaka, akadaro Samusoni. "Pakushambadzira kwepamhizha, taifarira nzira yatingaisa nayo nyore nyore nehurongwa hwavo. Uyewo taifarira kusununguka kwekushandisa, "akadaro. "Zvose zvatinoita ndezvokukumbira zvikamu zvishomanana zvemashoko - zita rako, email, nhamba yefoni uye zuva rekuberekwa DOB - kwechokwadi-nguva chikwereti chisarudzo, uye isu tinoda kuve nyore kweizvozvo."
Nzira Iyo inotsigira kusabata kubvumirwa inozivikanwa nehuwandu hweFICO, asi kwete zvachose ichivimbiswa nayo, akadaro Samusoni. "Vamwe vatengi vangave vasina ruzivo rwekodhi kana kuti vane kadhi rechikwereti, asi vanogona kunge vane mukana wekubhadhara mari kune imwe nzira," akadaro.
Inopa CheapAir.com mukana wekuwana chikamu chevatengi vasingadi kushandisa makadhi emakadhi kana kuti havana, vanoti Samusoni, achitsvaga kuongorora kweBhangerate iyo yakawana 67 muzana yemakore 18 kusvika kune 29 vane makore vasina kadhi rechikwereti.
"VaMillenials vakawanda vanokodzera, asi vanosarudza kusashandisa mhando dzemhando dzechikwereti kuti zvizvarwa zvekare zvinoshandisa nguva dzose."
Izvo zviwanikwa zvinowanikwa kubva pa10 kusvika ku30 kubva pagore, akadaro Samusoni. "Asi mari inobhadharwa nevanhu inowanzove iri pasi peiyo. Kana iwe uchibhadhara kwemwedzi mitanhatu, uchitarisa kubhadhara mashanu muzana, "akadaro.
Kana vatengi vari pane peji yekutsvaga, vanogona kusarudza mari yekubhadhara pamwedzi. Zvinotsigira hazvirevi mari yekupedzisira, mari yekubhadhara, mari yekubhadhara mari kana mari ipi zvayo yakavanzwa, uye vatengi vanogona kubhadhara musero wavo wegore negore nemadhidhi ekubhadharira, ACH kutumira kana cheki. Chikoro chekwereti chinoitwa munguva chaiyo-nguva yekusimbisa huzivi uye kugadzirisa kukosha kwekutenga uye haibatsiri chikoro chezvikoro.
Kutengeserana ne Affirm kuri pachena. "Havasi kuita mari kubva pamari yekupedzisira, mari yebasa, mari yekubhadhara mari kana mari yakavigwa," akadaro "Vari kuita kuti zvive nyore kuti vanhu vabhadhara nguva. Tinoda kuti vanhu vave neruzivo rwakanaka, vadzoke uye muite zvakare. "
Zvichava zvinonakidza kuona marwendo emafambiro akatengesa kuburikidza neAmbirm, akadaro Samusoni. "Hatisati taziva uye isu tinoda kuziva kuti chii chinoratidzika, asi chiyero chekutenga panzvimbo yacho chiri pedo ne $ 400," akadaro.
"Tiri kunyatsoda kuziva kana kufamba kunobhadharwa mari kunoenderana nezvo kana kuti mari yakawanda. Tichaona zvinoitika kana izvi zvatanga. "
Kuongororwa nokukurumidza pane webhusaiti yekutengeswa kwepakati pakati peWashington, DC, neSan Francisco munaOctober yakatora ndege kune dzimwe ndege dzinomwe dzinotengeswa kubva ku $ 404 kusvika ku $ 449 roundtrip.
Zvingaita kuti vanhu vazobhadhara mari dzinodhura, akadaro Samusoni. "Kune mikana iyo vanhu vachatora mazendo makuru kana maitirwo enyika, kana kuita mamwe maawa ekupedzisira, izvo zvinowanzova zvinodhura," akadaro.
CheapAir.com haisi kuzosimudzira mafambiro chaiwo, akadaro Samson. "Asi isu tinofara kuti chero rwendo rwunogona kubhadhara mari-yekumba kana yepasi rose, mangwana kana mwedzi mitanhatu kubva zvino," akadaro. "Iwe zvino une rusununguko rwokutenga mafirimu kana wagadzirira."