ã€ã³ã¿ãã¥ãŒã®èšé²ãšèšé²ãããªããšå ±æããŸã
ç§ã®ååã¯DmitryMikhailovichã§ããRevolutã§åããŠããŸããæ£åŒã«ã¯-ããã¯ãšã³ããœãããŠã§ã¢ãšã³ãžãã¢ãéå ¬åŒã«ã¯-ããã«ã€ããŠããã«è©±ããŸããç§ã®åŒã£è¶ãã®æŽå²ãRevolutãäžè¬çãªéè¡ãEMIããã³ãã³ã§ã®éè¡å£åº§éèšã®æŽå²ãRevolutã®å¥œããªãšããã補åéçºã«ã€ããŠå°ãã話ããŸãããããŠããªãç§ã¯ããã«ç¹å¥ãªæ³šæãæãããã®ã§ããã
2018幎ã«Revolutã«å ¥ç€ŸããŸãããç§ã¯ã¡ããã©28æ³ã«ãªãã6æã®æåã®é±ã«Revolutã«æ¥ãŸãããåäœã象城çã«å®æããããã£ããã€ã³ã¿ãã¥ãŒã®ããã»ã¹ã¯ããªãé¢çœãã£ãã Revolutã«ã€ããŠäœåºŠãèããããšããããŸããç§ã¯Phystechã°ã«ãŒãã®ã¡ã³ããŒã§ãããRevolutã¯Habréã§ãåãäžããããŸããã Javaéçºè äŒè°ã§ããJPointã«è¡ããRevolutããŒã¹ãèŠãŸãããååã¯ããªãã¿ã ã£ãã®ã§ããããã¹ãã«è¡ããŸãããç©çæè¡ç 究æã®äººãã¡ãã¹ã¿ã³ãã«ããŸãããç§ãã¡ã¯è©±ãããããã«ãªãããäºãã«é£çµ¡ãåãåã£ãã
JPointã®åŸãç§ã¯äŒæãåããŸãããããããªããšã«ãç§ã¯åããŠãã³ãã³ã«è¡ããŸãããé¢çœãã£ãããåéãããã«äœãã§ããŸãããåææ¥-JPointããããŠæææ¥ã«ç§ã¯ãã³ãã³ã«é£ãã§ãã¢ããŒãã«è»ã§è¡ããã©ããããããæ¥ç¶ããŸããã Revolutã¹ã¿ã³ãã®ç·æ§ã§ããBogdanããã®æåã®ã¡ãã»ãŒãžã¯ããDimaããã³ãã³ã«ç§»è»¢ããŸããïŒãã§ãããç§ã«ãšã£ãŠãããã¯é¢çœããŠè±¡åŸŽçãªç©èªã§ããããšãããããŸãããç§ã¯ç¬ããŸãããç§ã¯ããã«çãããããŸããã§ããããããç§ã¯æããŸãããããããç§ã¯Revolutã§ã€ã³ã¿ãã¥ãŒãå§ããŸãããã€ã³ã¿ãã¥ãŒã§ç§ã¯ãããã¢ã¹ã¯ã¯ã«è¡ããããšèšããŸãããããã³ãã³ãé¢çœãã§ããã¢ã¹ã¯ã¯ã§å°±è·ããŸãããããããä»äºãå§ãããšãã¢ã¹ã¯ã¯ã§å€ãã®éçºãè¡ãããŠãããã®ã®ãæ¬ç€Ÿã¯ãã³ãã³ã«ããããã®äŒç€Ÿã§äœããéæãããã®ã§ããã°ãã¡ã€ã³ã ãŒãã¡ã³ãã«è¿ã¥ãå¿ èŠãããããšã«æ°ã¥ããŸãããéèŠã ãšæããŸãããããŠããã§ã«è©ŠçšæéäžïŒåœŒã¯3ãæéããã«ããŸããïŒããã³ãã³ãžã®åºåŒµã§ãããã§è©±ããç§ãåŒã£è¶ããããšèšããŸããã圌ãã¯ç§ã«çããŸããïŒããªãã¯æ®éã®äººã®ããã§ãã移åããŸããããããªãã¯ããã«ã³ãŒããæžããŸããåœæã移転ã®æ¿èªãåŸãã®ã¯ç°¡åã§ãããç§ã¯CTOãšè©±ããŸããã圌ã¯åœŒã®æ¿èªãäžããŸããã
æ¿èªãç°¡åã ã£ãå ŽåãRevolutã䜿çšããŠç§»åããããã»ã¹ã¯ãŸã 解決ãããŠããŸããã§ãããæ¿èªãåããŠããåŒã£è¶ããŸã§çŽ6ã¶æããããŸããã3æäžæ¬ã«åŒã£è¶ãã8æã«æ¿èªãåããŸãããããã»ã¹ã¯äž¡åŽã§é·ãã£ãã Revolutã¯ã¹ã¿ãŒãã¢ããã§ãããããã»ã¹ã¯è§£æ±ºãããŠããŸããããããŠç§èªèº«ã¯æžéããŸããïŒç§ã¯ãããå¿ èŠã§ããïŒããããããŸããã§ãããç³ãåºãåãåã£ãåŸïŒããã«ã€ããŠãã£ãšã話ãããŸãïŒãç§ã¯é·ãéçã£ãŠããŸãããããããç§ã¯ããã¬ã«ã€ããŠå°ããããŸãã-ç§ããªãã¡ãŒã絊äžãã©ã®ããã«è©äŸ¡ããããç§ã¯èªåã®æŽå²ã®ããã«ç¹ã«çã£ãŠããŸãããç§ã¯ã¢ã¹ã¯ã¯å°æ¹ã§çãŸããããã§å匷ãïŒãã«ãŽãã«ãããŒã§ïŒã䞡芪ãã30 km以äžé¢ããå Žæã«äœãããšã¯ãªãã1ã2é±éã«1å蚪åããŸãããæ®éã®ç·ã®åãšå¥³ã®åã16-18æ³ã§ããããšãç§ã¯28æ³ã§ããªããã°ãªããŸããã§ãããããã«ããã³ãã³ãžã®ç³ãåºïŒç§ã¯äœäººãã®å人ãšè©±ããŸããããããŠåœŒãã¯èšããŸããããã®ãã³ãã³ã¯é«äŸ¡ãªéœåžã§ããããã§ã®ç§ã®äººçã®1幎åã®éããã®æèŠã¯å€ãã£ãŠããŸãããããããç§ã¯å€§ãŸããªèŠç©ãããäžããããŸããïŒã¢ã¹ã¯ã¯ãšåãã¬ãã«ã®å¿«é©ãã®ããã«ãããªãã¯çµŠæã®çŽ2åãæã«å ¥ããå¿ èŠããããŸãããããŠããªãã¡ãŒã«ã¯ããã»ã©å€ãã¯ãããŸããã§ããã
ç§ã¯ãããèŠãŸãããç§ã«ã¯2æ³ïŒåœæïŒã®æ¯åãšåŠ»ãããŠãç掻氎æºã倱ãããšã«ãªããŸããç§ã¯çãå§ããŸãã-ããã¯ã¢ã¹ã¯ã¯ã§è¯ãããã§ããããããç§ã¯ãã€ãæ»ãæéããããšæããŸããããã³ãã§ãåéºããããŠãç§ã¯è¡ããŸããã
ãã³ãã³ã«åŒã£è¶ãããšãã«äœãé£ããã£ãããšèããããšãç§ã¯çããŸããæãé£ããã®ã¯ãèªåèªèº«ã«åæããããšã§ãããã®ç¬éãããèŠããŠããŸãã移åã®ãã¹ãŠã®æ®µéã§ãå€ãã®çåãæãã誀解ããããŸãããããããç§ã¯ã¹ã¿ã³ãä»ãã®3ã€ã®ãã¹ããŒãïŒç§ã®ãç§ã®åŠ»ãšç§ã®åäŸã®ïŒãæã£ãŠã¯ã«ã¹ã«ã€ã®ãã¶ã»ã³ã¿ãŒãå»ããŸããããããŠç§ã¯æ°ã¥ããŸããïŒç§ã¯è¡ãããšãã§ããŸãããšãŠã匷ãææ ã§ããããä»ã§ãæããŠããŸãã
ããã¯2æã§ãããããããèµ€ãããŒããå§ãŸããŸãããã©ãã«ç§»åãããã移åæã«äœãèµ·ããããæ£ç¢ºã«ç解ããå¿ èŠããããŸããã Revolutã¯å®¶æå šå¡ã®ãã±ãããè³Œå ¥ããè¿œå ã®è·ç©ãè³Œå ¥ããŸãããç§ã¯åœŒããç§ã«1ç®±ãéµéããããã«æ¯æãããšã«åæããŸãã-ç§ã¯æ¬åœã«ãããŒã«ãŒãš2ã3ã®è¿œå ã®è·ç©ãéã³ãããããŸããã§ããããã®åŸãRevolutã¯æåã®1ãæéAirbnbã®æéãæ¯æããŸããããã³ãã³ã®ãšãªã¢ãéžãã§ãããšãããŸã ã¢ã¹ã¯ã¯ã«ãããšããäœããã®çç±ã§ã¹ãã©ãããã©ãŒãã«ç«ã¡å¯ããŸãããããã¯åæ±ã§ããå®éãããã¯ã°ãããŠããããšãå€æããŸãããå°äžéããæ©ããŠãããšã2ã€ã®æ±ãšãŒãããã®åºãš1ã€ã®çæ¿ãACCOUNTANTãã«åºããããŸãããç§ãã¡ã®æå¯ãã®åºã§ã¯ãåºå¡ããã·ã¢èªã話ããé§ ã®è¿ãã®ããŒã ã¬ã¹ã®äººã ã§ãããã·ã¢èªã§å«ãã ã圌ãã¢ã¹ã¯ã¯ãé¢ããããšããªããã®ããã«ã
Airbnbã«1ãæäœãã åŸïŒãã®éãæä¹ çãªå Žæãéžã³ãŸããïŒããã³ãã³ã®å察åŽãåæ±éšãæé«ã®ç·ã®å®¶æå°åºã®1ã€ã§ããããã±ã³ãã ã«ç§»åããŸããã圌ãç§ã«è³è³ãèŽã£ãããšã匷調ããããšæããŸãã ãã³ãã¬ãããç·ã®åãé£ãåºãããšã¯ã§ããããç·ã®åããã³ãã¬ããé£ãåºãããšã¯ã§ããªãããšããçŸãããã¬ãŒãºããããŸãïŒå ã ã¯å¥³ã®åã«ã€ããŠã§ããããåé¡ã§ã¯ãããŸããïŒãç§ã¯ã ã¹ã³ã人ã§ã¯ãªããã¢ã¹ã¯ã¯å°æ¹ã§ããç§ã¯ã³ãã¬ãã®åŠæ ¡ã«éããæ¯æ¥é»è»ãšå°äžéã§1æéã§ä»äºãããããã«ãªããŸããããããã¯ç§ã«ã¯æ®éã®ããã§ããããããŠä»ããã¹ãŠãæ£åžžã§èš±å®¹ã§ãããã®ã§ããç§ã¯ä»äºã®åŸæ©åå ã«ããããããŸããã§ãããç§ã«ãšã£ãŠãåäŸãã©ããæ©ãããã©ã®ããã«è¯ãå ¬åïŒå°æ¥çã«ã¯å¹ŒçšåãåŠæ ¡ïŒãå©çšã§ããããããéèŠã§ãããåºããšãªã¢ãå©çšã§ããããã«ããå¿ èŠããããŸããã
ãããã£ãŠããã®é åãéžæããŸãããç§ã¯40-50åã§ä»äºã«åãæãããŸãããšãŠãç·ã§ããšãŠããã£ãããã§ããäžè¬çã«ããã³ãã³ã¯éåžžã«ç³ã®å€ãéœåžã§ããããŒã¿ãŒãºããŒã°ã®äººãã¡ã¯ç¬ãããåºåŒµäžã«ãªãã£ã¹ã®è¿ãã«äœãã§ãããšãã¯ãæ®éã®èµ°ãå ŽæãèŠã€ããã®ãé£ããã£ããç§ã¯ç³ã®äžãèµ°ããªããã°ãªããŸããã§ãããã§ãããã¯ãšãŠãç·ãå€ããè³ãæã«å ¬åããããæ©éãç·ã®åž¯ã§éè·¯ããéãŠãããŠããŸããåã«ãåãæ¥åŸé ã®ãšãªã¢ãããããšã¯ç¥ã£ãŠããŸãããçµå±åã«è¡ãçããŸããã
幌çšåã«ã€ããŠã¯å¥ã«ã話ãããããšæããŸããè±åœã§ã¯åŠæ ¡ã¯ç¡æã§ã-ããã¯æ¬åœã§ãã 4æ³ããå§ããŸããããæ¬åœã«ç¡æã§ãããã®åã«-幌çšåã 3æ³æªæºã®å¹Œçšåã«ã¯èª°ããéãæã£ãŠããŸãããå°ãç°ãªããŸããäž¡æ¹ã®èŠªãåããŠããŠãäž¡æ¹ãè±åœãŸãã¯EUã®åžæ°ã§ããå Žåãé±ã«15æéã®ç¡ææéãäžããããŸããç§ãã¡ã®å ŽåïŒ3ã€ã®ãã·ã¢ã®ãã¹ããŒãïŒ3幎ãŸã§ãäœãæ¯æãããŸããããããŠãªãã£ã¹ã眮ãããŠããã«ããªã¢å é ãšãªã¢ã§ã¯ã幌çšåã¯1,700ãã³ãã®è²»çšããããå¯èœæ§ããããŸããããã¯æã«17äžã«ãŒãã«ã§ããããã¯ããããã®å°çã§ãããããŠç§ãã¡ãäœãã§ããå°åã§ã¯ãæã«1200-1300-1400ããããŸã-æé·3幎ããŸã é«ãäŸ¡æ Œ-ç¹ã«ç§ã ããåããŠããããšãèãããšãç§ã®æ¯åã¯ãã®å€ãã§ã«3æ³ã§ã15æéã®ç¡ææéãåŸãããšãã§ããŸããããããã©ã®ããã«åæ¥ãããã¯ããããŸãããã3幎åŸã«ã¯äŸ¡æ ŒãäžãããŸããäŸ¡æ Œã¯çŸåšçŽÂ£1000ã§ã-ãŸã ããããããã»ã©ã§ã¯ãããŸãããã
家æé£ãã®æ¹ã«ãšã£ãŠããäžã€ã®éèŠãªãã€ã³ããç§ã®åŠ»ã¯æè¡è ã§ã¯ãããŸããã圌女ã¯åªããèšèªå€§åŠãåæ¥ããç§ã«ã¯ãªãåªããè±èªãæã£ãŠããŸãããããã¯åœŒå¥³ãå°éåéã§ä»äºãèŠã€ããã®ã«åœ¹ç«ã¡ãŸãããããã¯ç§çãªäºä»¶ã§ãããæ³ä»€ã®åŸãããŒã·ã£ã¯ãã·ã¢ã§åããŸããã§ããããããŠããã§åœŒãã¯åœŒå¥³ã®åéãå°ããŸããïŒå€§åŠåæ¥åŸã®äººã¯å°ãåãã2幎éåããŸããã§ãããããã¯äœã§ããïŒããã§30æ³ããåã«åºç£ãã人ã¯ã»ãšãã©ããŸãããããã¯ã幌çšåã®äŸ¡æ Œã«ããçšåºŠé¢ä¿ããŠããŸãã圌ãã¯é çªã«ããã«åºç£ããŸããããšãã°ã35ã37ã39æ³ã®3人ã®åäŸãããã¯å°å ã®äººã ã®éã§èŠãããŸããã€ãŸãããããŸã§èª°ãæ¥ãã§ãããããŠããŸãããã§ããããç§ã®åŠ»ã®å±¥æŽæžã¯å°å ã®åºæºã§ã¯å¥åŠã«èŠããŸãããããããã¹ãŠãéåžžã«èå³æ·±ãããšã«è§£æ±ºããŸãããããªã¢ã¯çŸåšãå°å ã®å€§åŠã§ä¿®å£«å·ãååŸããŠãããæ°ããä»äºãæ¢ãå§ããŠããŸãã
絊æã«é¢ããŠïŒç§ãèšã£ãããã«ãç§ã¯2åå€ãæäŸãããŸããã§ããã幞ããªããšã«ã移転ã®æ°ãæåŸãRevolutã¯ãã³ãã³ã§çµŠäžã®åŒ·åãªåã€ã³ããã¯ã¹ãäœæããŸãããããã§ãã2åã®å€§ããã«ã¯ãªããŸããã§ããããçžå¯Ÿçãªç§©åºãçãŸããŸãããç§ã®æããéœåžã³ãã¬ãã§ã¯ãç§ã¯ã¢ããŒããåããªãã£ãããšãç解ããããšãéèŠã§ããç§ãã¡ãå¿«é©ã«æããå€ã芪ã®ã¢ããŒãããããŸãããããããããã§ã¯äœå® ã¯å€§ããªåºè²»ã§ããã¢ã¹ã¯ã¯ã§ç§ãå æ°ã«æ®ãããè»ãç¶æããä¹³æ¯ã«ãéãæãã ãã§ååã ã£ããšããããããã«ã¯ãã®ãããªçµæžçãªèœã¡çãã¯ãããŸããã
ãã¡ãããããã¯çåãæããããŸãïŒãã®å Žåãç§ã¯ãã³ãã³ã§äœãå¿ããŸããããå®ã¯ãæ°ã«ãªãã®ã§ãã³ãã³ã«ããŸããç§ã¯ã¢ã¹ã¯ã¯å°æ¹ã«28幎éäœãã§ããŠãä»ã«äœãèŠãŠããŸããããã®è¡ãããäžåºŠèŠããã§ããç§ã¯ãã€ãæ»ãæéããããŸãã
ã¡ãªã¿ã«ãç§ã®é£çµ¡å ã¯ããã¬ã«æ®ããŸããããªãã¯è³ªåãããããšãã§ããŸãã
éè¡ã«ã€ããŠãç§ãåããŠJPointã§Revolutã«ã€ããŠè©±ãããšãã圌ãã¯ç§ã«ãã¯ãŒã«ãªãã£ã³ããã¯ããã¹ãŠãããããèšäºã ããšèšã£ããèšäºã«ã€ããŠã¯åŸã§è©±ããŸãããããããç§ã¯å°ããŸããïŒæ£ç¢ºã«ã¯äœãã¯ãŒã«ã§ããïŒRocketbankãTinkoffããã®ä»ããã§ã«ãããŸã-ãŸããããã¯å¥ã®ãã¡ãã·ã§ããã«ãªéè¡ã§ããããšãããããŸããç§ã¯ãŸã ãšãŒãããã®ç¹åŸŽã®ããã€ããç解ããŠããŸããã§ãããåŒã£è¶ããŠåããŠããããŸããã
QïŒå®¶æå šå¡ãäžåºŠã«ç§»åããŸãããïŒ
家æå šå¡ãäžåºŠã«ãäžäººã§è¡ã£ãŠããã§äœããæ¢ããšãã£ãšé£ãããšæããŸãããããã«ã劻ã®è±èªã¯ç§ã®ãã®ããã¯ããã«åªããŠããã®ã§ãäžç·ã«ç§»åã§ããŠãšãŠãããããã§ããåŒã£è¶ããåŸãããŸããŸãªå·ã®ãšãŒãžã§ã³ããšéä¿¡ããããšã¯éåžžã«èŠçãªåé¡ã§ãããä»ã§ãé»è©±ã§ããããåžžã«ç解ããŠããããã§ã¯ãããŸããããã®éšåãèªåã§è¡ã£ãŠããã劻ã«ãšãŠãæè¬ããŠããŸãã
QïŒå°å ã®äººãã¡ã®ç§»æ°ã«å¯Ÿããæ 床ã¯ãããŸããããäœãåé¡ã¯ãããŸãããïŒ
ç¡ããäžè¬çã«ãç§ã¯ãã³ãã³ã§ã€ã®ãªã¹äººèªèº«ãèŠãããšã¯ãã£ãã«ãããŸãããå°äž»ã¯ãã¡ããã€ã®ãªã¹äººã§ãããããããã®äººã蚪ããŸããã¿ããªèœã¡çããŠããŸãã
éè¡ã«æ»ããŸãããã³ãã³ã«å°çããã€ãã«ããã§æžé¡ã«çœ²åãããšããç§ã¯èªåã®çµŠæã®ããã«å°å ã®éè¡å£åº§ãååŸããå¿ èŠãããããšã«æ°ã¥ããŸããïŒããã¯è«ççã§ãïŒãããããããªãé¢çœã話ãå§ãŸããŸãããããªããéè¡ã«æ¥ããšãã圌ãã¯èšããŸãïŒããªãã¯åã«å± äœå°ã®äœæã ãã§ãªããäœæã®èšŒæãå¿ èŠã§ããéåžžãããã¯ããçš®ã®å ¬å ±æéã®è«æ±æžã§ããæ°Žéæéãè°äŒçšããŸãã¯ååãå§ãäœæãæžãããå¥ã®ææžã§ãããªãŒã¹ã倧äžå€«ã§ããæåã®æã«ç§ãAirbnbã«äœãã§ããŠããã®ãããªç¢ºèªããªãã£ãããšã¯æããã§ããã©ããã«ãã§ãã¯ã€ã³ããã«ã¯ãéè¡å£åº§ããçŽæ¥åŒãèœãšããèšå®ããå¿ èŠããããŸããã€ãŸãããã§ãã¯ã€ã³ããã«ã¯ã¢ã«ãŠã³ããå¿ èŠã§ãããã¢ã«ãŠã³ããäœæããã«ã¯ãã§ãã¯ã€ã³ããå¿ èŠããããŸããã©ããããããã誰ããæåã«ããã«ã€ããŠè©±ããŸãããã ããæ·±ãæãäžãããšãéçšäž»ãšã®å¥çŽããããŸããã€ãŸããããªãã¯ããªããæ£ç€Ÿå¡ãšããŠéçšãããŠããããšã瀺ãéçšäž»ããã®çŽãéè¡ã«æäŸããããšãã§ããŸãïŒå§ãååãæ°žä¹ ãšããèšèãšäœæããªããã°ãªããŸããïŒããããŠãã®ãããªçŽã¯åœŒãã«åããããªãã¯å£åº§ãéãããšãã§ããŸãã
ãã·ã¢ã§ã¯ãç§ã¯å€æ°ã®éè¡ã«å£åº§ãæã£ãŠããŸãã-çŽ6ã€ïŒèå³æ·±ãããšã«ããã±ãããã³ã¯ã¯ãããã®äžã«ãããŸããã§ããïŒãããã§ç§ã®æåã®èãã¯ããã¡ãã·ã§ããã«ãªãã£ã³ããã¯ãéãããšã§ãããããã¯Revolutã ãã§ã¯ãããŸããããŸããå€ããæåã§ä¿¡é Œã§ããéè¡ïŒSberbankãªã©ïŒã«å£åº§ãéèšããŸããåœæãRevolutã®äž»ãªéšã ãã競äºçžæã¯MonzoãšN26ã§ããããããã£ãŠãæåã®æ°æ¥ã§ç§ã¯åœŒãã®ã¢ããªã±ãŒã·ã§ã³ãããŠã³ããŒãããŠèšèšãå§ããŸãããèšããŸã§ããªããäœæ蚌æã®æäŸã¯åœŒãã«ãšã£ãŠããç°¡åã§ã-ãã¹ãŠãã¢ãã€ã«ã¢ããªã±ãŒã·ã§ã³ã§è¡ãããŸãã Monzoã®å Žåãããã»ã¹ã«ã¯15åããããŸããããããã£ãŒã«ãåçããã¹ããŒãä»ãã®åçãããã«15ååŸãæ¬äººç¢ºèªã®ééãšãµãŒãã¹æäŸã®æ¿èªã«é¢ããéç¥ãå±ããŸããã N26ã¯ããå°ãé£ããã£ãã§ãã質å祚ã¯ããŸã䟿å©ã§ã¯ãªããèšå ¥ã«æéãããããŸãããéç¥ã¯ç¿æ¥å±ããŸãããæãããªçç±ã§ãç§ã¯Revolutã«ã€ããŠã¯è©±ããŸããïŒããããäžè¬çã«ãããã¯Monzoã®ãã®ã®ããã§ãïŒã
ãããã®ããªãã³ã¯ãšäžŠè¡ããŠãç§ã¯ããŒã¯ã¬ã€ãºã«è¡ããŸãã-倧ããªå€ãéè¡ã®1ã€ã§ããæ¯åºã¯ä»äºããããé ããªããšããã«èŠã€ãããŸãããç§ãæ¥ãŠãå£åº§ãéèšããããšèšããŸãããç§ã¯ããã«PoAãå«ãå¿ èŠãªæžé¡ãæ±ããããŸããããããŠåœŒãã¯èšã£ãïŒä»ãç§ãã¡ã¯ãã®åŸ ã¡è¡åã§çŽæãããå¿ èŠããããŸããè¡åã¯å°ããã£ãã®ã§ãããæåã¯äºå®ãäœãªã®ãããããŸããã§ãããç§ã¯ãã¹ãŠã®å ã®ææžãé çªã«æã£ãŠãããšèšãããŸããããããŠãéè¡ã®ãã®æ¯åºã§ã®æ¬¡ã®äºå®ã¯3é±é以å ã§ããããšãå€æããŸããããããããä»ã®æ¯åºã§éãè©Šãããšãã§ããŸãããããã¯ãäºçŽããŸã å£åº§éèšã§ã¯ãªããšããäºå®ã«ããããããã§ããããªããçŽæã®ããã«åœŒãã®ãªãã£ã¹ã«æ¥ããšããããªãã¯è³ªåã«èšå ¥ãããããŠåœŒãã¯ãã§ãã¯ãããŸã-åãããã«ãMonzoã¯20åã§ïŒãããŠN26ã§-1æ¥ã§ïŒããŸããããããŠãã®åŸã«ãªã£ãŠåããŠ-ããš1ã2é±éã§-ããã¯å¯èœã«ãªãã§ããããæåŸã«ãã¢ã«ãŠã³ããéããŸãããŸããããå°ãéããããå Žåã¯ã3é±é以å ã«äºçŽãååŸããããã«ããã¥ãŒããªããã©ã³ããæ¢ããŠãã³ãã³äžãèµ°ãåãå¿ èŠããããŸãã確ãã«ãç§ããããããã®ãæäŒã£ãŠãããå人ãããŸããããããããã®è©±ã®åŸã§ãSberbankãAlphaããããŠå«ãããŠããVTBã§ãããå©äŸ¿æ§ãšãšã³ãžãã¢ãªã³ã°ã®é«ãã§ããããšã«æ°ã¥ããŸããã
äºçŽã®æç¹ã§ãç§ã¯ãã§ã«Monzoã«ãŒããåãåããŸãã-ããã¯éåžžã®éè¡ãšèŠãªãããŸãããã®åŸãRevolutã¯ãŸã è±åœã®ã©ã€ã»ã³ã¹ãæã£ãŠããŸããã§ãããç§ã¯ãã§ã«Monzoãæã£ãŠããã®ã§ãBarclay'sã«æ¥ãããšã¯ãããŸãã-æ°ãæ以å ã«ã¢ã«ãŠã³ããéèšããŸãããããŠåœŒã¯ããŒã¯ã¬ã€ã®ã«ãŒããè²·ãããã«ãã³ãã³ã®å察åŽã«è¡ããªãã£ããæ°ã¶æåŸãç§ã¯åã³ããŒã¯ã¬ã€ã®ã«ãŒããæã«å ¥ããããšããŸãããäºçŽæ¥ã¯2é±éã§èšå®ãããŸãããã¯ããç§ã¯2é±éåŸã«æ¥ãŠããã¹ããŒããå¿ããŸããïŒç§ã¯å± äœè ã®èš±å¯ããæã£ãŠããŸããã§ããïŒããããããç³ãèš³ãããŸãããããã¹ããŒããªãã§ã¯ã§ããŸããããšèãããã«ãæå³ãããšããã«å°çããã«ãããããããç§ã¯ãŸã 40åé䞊ãã§ããŸããããããã圌ãã¯ç§ãç¿æ¥ãã¹ããŒããæã£ãŠæ¥ãŠåãã¹ãããããããšãã§ãããšç§ã«èšã£ããç§ãæ¥ã;質å祚ã«èšå ¥ããããã»ã¹ã¯40åéç¶ãããã®åŸã次ã®ããã«èšãããŸããããã¹ãŠãé 調ã§ããã«ãŒãã¯2é±éã§æ¥ãŸããç§ã¯äžã¶æåŸ ã£ã-ã«ãŒããå±ããªãã£ããç§ã¯ããŒã¯ã¬ã€ã®åãæ¯åºã«è¡ããäœãèµ·ãã£ãŠããã®ãå°ããŸãã-ç§ã¯æ¬¡ã®è¡ã«éãããŸãããç§ã¯10ååŸ ã¡ãŸããããã®äººã¯ãå¿ èŠãªãã®ã¯ãã¹ãŠèšå ¥ãããŠããããã§ãã«ãŒããå±ããŠããªãã®ãèŠãŠã20åã§ç¡æã«ãªãå¥ã®äººã«å°ããªããã°ãªããªããšèšã£ãã 20ååŸãç§ã¯ãã®ç·ãããã«30åå¿ãããšèšãããŸããããã®åŸãç§ã¯Barclay'sã®ã¢ã«ãŠã³ãã¯æ¬åœã«å¿ èŠãªããšå€æããŸããããããŠä»ãç§ã¯è¡ã£ãŠã20åã§èªç±ã«ãªãå¥ã®äººã«å°ããªããã°ãªããŸããã 20ååŸãç§ã¯ãã®ç·ãããã«30åå¿ãããšèšãããŸããããã®åŸãç§ã¯Barclay'sã®ã¢ã«ãŠã³ãã¯æ¬åœã«å¿ èŠãªããšå€æããŸããããããŠä»ãç§ã¯è¡ã£ãŠã20åã§èªç±ã«ãªãå¥ã®äººã«å°ããªããã°ãªããŸããã 20ååŸãç§ã¯ãã®ç·ãããã«30åå¿ãããšèšãããŸããããã®åŸãç§ã¯Barclay'sã®ã¢ã«ãŠã³ãã¯æ¬åœã«å¿ èŠãªããšå€æããŸããã
ãã®è©±ã¯ãMonzaãStarling BankãN26ãRevolutãVivid MoneyïŒãã·ã¢ãããã€ãã«ç§»ã£ãïŒã®ãããªããããçš®é¡ã®ã¹ã¿ãŒãã¢ãããçããæš©å©ãæã£ãŠããã ãã§ãªãã人çèªäœã圌ããæé·ãçºå±ããããšãæãã§ããçç±ã«ç§ã®ç®ãéãããŸãã..ã
N26ã®ã¢ã«ãŠã³ããä¿¡çšããŠããŸããã§ãããã«ãŒãã®ãã¶ã€ã³ãæ°ã«å ¥ããªãã£ãã®ã§ããç§ã¯èªåã§AmericanExpressãéããŸãããæ£çŽãªãšãããããã¯ç§ã®æããã䜿ãããã«ãŒãã§ããä»ã§ã¯åœŒãã¯æ¯æãã·ã¹ãã ã§ããéè¡ã§ããããæ倧ã®ããŒãã¹ãæã£ãŠããŸããããªãã£ãã·ã¥ãšã¢ãŠã§ã€ãºãšã®å ±åãã©ã³ãã£ã³ã°ããã°ã©ã ã倧奜ãã§ããå人ã¯ã圌女ã®å©ããåããŠãã¢ã¹ã¯ã¯ãããã³ãã³ãŸã§ã®å®ããã±ãããè³Œå ¥ã§ããããšãæããŠãããŸãããç§ã¯ãŸã ãããè©ŠããŠããŸãã-ãã³ãããã¯ã¯ã©ãããããããã€ã³ãã®æµªè²»ã«è²¢ç®ããŠããŸããããŸããHSBCã§ã¢ã«ãŠã³ããéèšããŸããããããã¯ãBarclayãããã¯ããã«åªããããã©ãŒãã³ã¹ã瀺ããŸããããã¡ãããé 延ããããŸãã-ãããã¯æ¬äººç¢ºèªã倧ãã«åŠšããŸããããããããã®æãŸã§ã«ç§ã¯ãã§ã«ã«ãŒã«ãåŠã³ãŸããïŒå€§äŒæ¥ãæãã§ãããšããTwitterã«æžããŠãã ãããç§ã¯æ¬¡ã®ããã«æžããŠããŸãããHSBCãRevolutã«éåžžã«å€ãã®ã¯ã©ã€ã¢ã³ããããçç±ãç解ããŠããŸãã1ãæé確èªã§ããŸããã§ããããç¿æ¥ãå¥è·¡ãèµ·ãããŸããã圌ãã¯ç§ã«é»è©±ããŠèšã£ãã«ãŒãããããããšããã€ãã¿ãŒã倧奜ãã§ãã
éè¡å èš±ã«ã€ããŠã Revolutã¯éè¡ã§ã¯ãªãããããéã貯ããããšã¯ã§ããããã®å Žåã¯çŽå€±ããå¯èœæ§ããããšããæèŠããããŸãããã¹ãŠã®åŽé¢ãæ€èšããããã§ã¯ãããŸãããããã·ã¢ã®DIAïŒæ倧140äžã«ãŒãã«ãŸã§ã®ãã¹ãŠã®é éãä¿èšŒããé éä¿éºåºïŒã®å€çš®ããããŸããããã§ã¯ã85,000ãã³ããŸã§ã®ãã¹ãŠã®é éã«ä¿éºããããããŠããŸããããã¯çŽ850äžã«ãŒãã«ã§ãããã®ç¹ã§ãéè¡ã®ãã¹ãŠã®é éã¯ä¿åãããŸããé»åãããŒã«é¢ããæ³åŸããããŸã-ç§ã¯gov.ukã®èšäºãžã®ãªã³ã¯ãäžããããšãã§ããŸã-;ããã¯ã©ããªãé»åãããŒæ©é¢ããããªãã®ãéãç¯çŽãã矩åããããšèšã£ãŠããŸããã¡ãªã¿ã«ãç§ã¯ãã®ãããžã§ã¯ãã®ããé£ã§æè¡éçºãšè£œåéçºã«åãçµãã§ããŸããå®éãRevolutã¢ã«ãŠã³ãã«è¡šç€ºããããã¹ãŠã®ãéïŒe-moneyïŒã¯ãéè¡å£åº§ã«ä¿ç®¡ãããŠããŸããç¹å¥æ³šæãããããªã¹ã¯ã¢ãã«ããããŸããRevolutããã®è³éã¯ã倧èŠæš¡ã§ä¿¡é Œæ§ã®é«ãéè¡ã®ãââãŸããŸãªã¢ã«ãŠã³ãã«åé ãããŸããã°ããŒãã«ãªããšãèµ·ãã£ãå Žåããã¹ãŠãä¿è·ãããŸããããã¯ä»ã®èŠå ãå人çãªæèŠãåŠå®ãããã®ã§ã¯ãããŸããããååãšããŠé éä¿éºã«åé¡ã¯ãããŸããã
å®ã¯ããããç§ãRevolutã補åïŒããã³åæ§ã®è£œåïŒãšããŠæããŠããçç±ã®è©±ã§ãããããã¯ã¯ãŒã«ãªè©±ã ãšæããŸãã
RevolutèªäœãšãªãRevolutã«ã€ããŠããå°ããç§ã¯åœŒã«é¢é£ãã1ã€ã®ç©èªãæ¬åœã«å¥œãã§ã-ç§ãã¡ã®äŸ¡å€èŠ³ã®ãªã¹ãã«å ¬ç¶ãšç¶ŽãããŠããªã1ã€ã®äŸ¡å€èŠ³ãäžçŽç®¡çè·ããããç§ãã¡ã®äŸ¡å€ãšèŠãªããŠãããã©ããããããããŸããããç§ã«ãšã£ãŠRevolutã¯éçãéããŠããŸããããã¯Revolutã®æåã®äœçœ®ä»ãã§ãããããã¯ç§ã®å人çãªè©±ã§ããç§ã¯ãã®äŒç€Ÿã®å©ããåããŠãä»ã®åœãžã®åœå¢ãéããŸããã 2018幎12æã«ãã£ãããªã¹ããœãã«ãããšããäžå€®éè¡Skorobogatovaã®å¯äŒé·ãTinkovãAlfa Bankã®Verkhoshinskyãã€ãŸãããŸããŸãªéè¡ã®å€§å¢ã®äººã ãšã®ã»ãã·ã§ã³ããããŸãããRevolutã¯ãã·ã¢ã§ããŒã³ãããããšè¿°ã¹ãŸããã ..ããŸãããã®ã»ãã·ã§ã³ã«ã¯ãCEO /åµèšè ã®NikolaiStoronskyãåå ããŸããããšãã§ããªããªã¬ã°ã»ãã£ã³ã³ãã¯ããã·ã¢ã§ã¯ã¬ããªã¥ãŒãã¯ããå¿ èŠãªããšèšã£ãã圌ã®éè¡ã¯30ã®é貚ãè¯ãã¬ãŒãã§ç«ã¡äžããã圌ãã¯æ¬åœã«ã¯ãŒã«ã§ãããã€ãã®å Žæã§ã¯ç§ãã¡ãããåªããŠããŸããïŒããšãã°ããã³ã/ã«ãŒãã«ã®ãã¢ïŒããã¡ããããã£ãããã£ãã§ããããããã®åŸãããããã§ãã¯ããŠããRevolutã¯åžžã«æé«ã®ã¬ãŒãã§ããããããã£ãŠãæ è¡è çšã«ãŒããšããŠã®ç§ãã¡ã®ã«ãŒãã®äŸ¡å€ãé ãããæéãªãã§ãæ¯åºæã«æå°éã®ã¹ãã¬ããã§ä»»æã®é貚ã§ãéã䜿ãããšãæäŸãããšããäºå®ã¯ãRevolutã«ã€ããŠã§ãããããŠãããã¯éåžžã«ã¯ãŒã«ã§ã-ããã¯ç§ã«ãšã£ãŠéèŠãªå€ã®1ã€ã§ãããããŠãããã¯éåžžã«ã¯ãŒã«ã§ã-ããã¯ç§ã«ãšã£ãŠéèŠãªå€ã®1ã€ã§ãããããŠãããã¯éåžžã«ã¯ãŒã«ã§ã-ããã¯ç§ã«ãšã£ãŠéèŠãªå€ã®1ã€ã§ãã
2ã€ç®ã®ãã€ã³ãã¯ãRevolutãæ¿èªæã«ã³ãŒã¹ãä¿®æ£ããããšã§ããã«ãŒãååŒã«ã€ããŠããå°ã詳ããç¥ã£ãŠãã人ã¯ãæ¯æããè¡ããšãã2ã€ã®æ®µéãçµãããšãç¥ã£ãŠããŸãã1ã€ã¯æ¿èªïŒã«ãŒããé©çšãããšãïŒã2ã€ç®ã¯éè¡ãçžäºã«éä¿¡ããã¡ãã»ãŒãžãéä¿¡ããŠãã¬ãŒã³ããŒã·ã§ã³ãè¡ããšãã§ããäžéšã®éè¡ïŒã©ã¡ãã®éè¡ãã¯ããããŸããããããã芳å¯ããŸããïŒã¯ãå¥ã®é貚ã§ã«ãŒããé©çšãããšã1ã€ã®ååŽçã§éé¡ã衚瀺ããããã®åŸãããã¯ã°ã©ãŠã³ãã§å¥ã®çã§æ¯åºãçºçããããã«ããŸãã Revolutã¯ãããè¡ããŸããã翻蚳ã¬ãŒãã¯ãæ¿èªæã«åžžã«åºå®ãããŠããŸããã¡ãã»ãŒãžã«è¡šç€ºãããŠããéã¯ååŽãããŸãã
åŸæ¥å¡ã®ããã«åœå¢ãéãããšã¯ãç§ã®å人çãªè©±ã ãã§ã¯ãããŸãããäœåºŠããéå ¬åŒã«ãRevolutã®åŸæ¥å¡ã®éã§ãã®ãããªå€¢ãèããŸãããã©ãããã§ããã©ãããã§ãæ¥ãŠåãããšãã§ããããã«ããšãŒãããäžã«ãªãã£ã¹ã®ãããã¯ãŒã¯ãéãå¿ èŠããããŸããããããç°¡åãªåºåŒµã§ããæ£åœãªçç±ãããå Žåã¯ãã¢ã¹ã¯ã¯ã®åŸæ¥å¡ãšãã³ãã³ã®åŸæ¥å¡ãå®å šã«å¥ã®éœåžã«åºåŒµã§ããããã«ããããã§ããèªå® ã§ã®äœæ¥ã®ããããã§ããããŸããããã¯ãã£ãããã§ããããã¯éåžžã«éèŠã§ãããããŠããã¯æ¬åœã«ç§ã«æåããŸãããã ããå¯äœçšããããŸãã 1幎ååãç§ã¯5人ã®ããŒã ã«æå±ããŠããŸãããçŽ æŽãããããŒã ã§ãããã¢ã¹ã¯ã¯ããµã³ã¯ãããã«ãã«ã¯ãã¯ã©ã³ãŠããã³ãã³ããã¥ãŒãšãŒã¯ãªã©ããã¹ãŠãç°ãªãéœåžã«ãããŸãããä»ãç§ã¯ããã³ãããç§ã®ããŒã ã«1人ã®äººãããŸã-ãããŠæã ããã¯éåžžã«äžå¿«ã§ããç¹ã«åœŒã圌ã®å€ã«äœããå±éãããã³ãã³ã®æã«åœŒãç ãå Žåãäžæ¹ãåãã®èªç±ãšéæŸæ§ã¯æµè¡ã®éã«åœ¹ç«ã¡ãŸããïŒå®¶ã§åãããã«è¡ã£ãŠåº§ãå¿ èŠããããšãã誰ãããããããŸãããçŸåšããªãã£ã¹ã¯å éšã®å ±åäœæ¥ã¹ããŒã¹ã«å€ããã€ã€ãããŸããèªå® ã§äœæ¥ããå¿ èŠããããŸããèªå® ã§äœæ¥ããŸããããªãã¯ãªãã£ã¹ã«è¡ãå¿ èŠããããŸã-ããªãããªãã£ã¹ã«ãããšããªããèšãç¹å¥ãªã¢ããªã±ãŒã·ã§ã³ã§ã¯ãç§ã¯ç¹å®ã®ããŒãã«ã«åº§ããŸããããã¯ãæµè¡ã®è¿œè·¡ã®äžéšã§ããããŸãããããä»ãè±åœã§ã¯æ¿åºã®æ°ããåœä»€ãããã誰ããåã³å®¶ã«ããããšãæšå¥šãããŠããŸã-ããããããã¯ååãšããŠç§ãã¡ã®ããã»ã¹ã«åœ±é¿ãäžããªããªããŸãããããªãããªãã£ã¹ã«ããããšããç§ã¯ç¹å®ã®ããŒãã«ã«åº§ããŸããããã¯ãæµè¡ã®è¿œè·¡ã®äžéšã§ããããŸãããããä»ãã€ã®ãªã¹ã§ã¯æ¿åºã®æ°ãã秩åºãããã誰ãã家ã«ããããšãåã³å§ããããŠããŸã-ããããããã¯ãã¯ãååãšããŠç§ãã¡ã®ããã»ã¹ã«åœ±é¿ãäžããŸãããããªãããªãã£ã¹ã«ããããšããç§ã¯ç¹å®ã®ããŒãã«ã«åº§ããŸããããã¯ãæµè¡ã®è¿œè·¡ã®äžéšã§ããããŸãããããä»ãã€ã®ãªã¹ã§ã¯æ¿åºã®æ°ãã秩åºãããã誰ãã家ã«ããããšãåã³å§ããããŠããŸã-ããããããã¯ååãšããŠãã¯ãç§ãã¡ã®ããã»ã¹ã«åœ±é¿ãäžããŸããã
ãã¡ãããããŒã ãšçŽæ¥äŒãããšã¯éèŠã ãšæããŸããç§ã®ããŒã ã¯ã¢ã¹ã¯ã¯ããã³ãã³ãããã³ãã®3ã€ã®éœåžã«åãããŠããŸãããã»ãšãã©ã®äœæ¥ïŒæ倧80ã90ïŒ ïŒã¯ãªã¢ãŒãã§ç°¡åã«å®è¡ã§ããçŽæ¥äŒãå¿ èŠã¯ãããŸãããããããé£çµ¡å ã確ç«ããããŒã ãæ§ç¯ããããšã¯éåžžã«éèŠã§ãã
ãããšäžŠè¡ããŠãäœæ¥ã³ã³ããã¹ããèšå®ããããšãéèŠã§ããããã®äººã¯ã¿ããªéããç§ã®è©±ã§ã¯ãç§ãã¡ãæåã«åŒã£è¶ãããšããç§ãã¡ã¯å°ããªã¢ããŒããåããŸããããããŠãã®äžã®å¯äžã®ããŒãã«ã¯ãã€ãã³ã°ããŒãã«ã§ãããç§ã¯å€é£ã®åžã§åãã®ãå«ãã§ããä»ãç§ãã¡ã¯ãã¬ã¹ãããŠã¹ã«ç§»åããŸããïŒããã¯å°ã倧ãããå°ãé«äŸ¡ã§ãäžå¿ããé ãé¢ããŠããŸã-ãããä»ç§ã¯1.70 * 2.5ã¡ãŒãã«ã®éšå±ã«åº§ã£ãŠããŸãããããŠéåžžã®è·å Žã¯æããã«ããã«ãããŸããæåã®ããã¯ããŠã³ãçµäºããåŸã移åããŸããã家ã家ã§åãããã®ç¹å¥ãªå Žæã«ãªã£ãããšããšãŠãããããæããŸãã
QïŒSberbankã«ã¯ããããã®ããã°ã©ããŒãããããšãç¥ã£ãŠããŸããã©ã®ç¶æ ãRevolutã«ãããŸããïŒ
æ£ç¢ºãªæ°ã¯ããããŸãããRevolutã«ã¯ã2000人以äžã§ã¯ããããééããªã1000人以äžã®åŸæ¥å¡ãããããšãç§ã¯ç¥ã£ãŠããŸããéçºè ãç¹ã«ã¡ã€ã³ã®ããã¯ãšã³ãã¯ããããã100ã200人ã§ããéçºã«å€§ããªéç¹ã眮ãããŠããŸããRevolutã®ãã1ã€ã®ã³ã¢ããªã¥ãŒïŒãããç§ã«ãšã£ãŠéèŠã§ãïŒã¯ãèªååã§ãããã¹ãŠã®ãã®ãèªååããå¿ èŠããããšããããšã§ãã人çåŽåãæå°éã«æããå¿ èŠããããŸãïŒãã ããéçºè ãåæ²¹ãæžãããšã劚ããããšã¯ãããŸããïŒããã®ãããéçºè ã«éåžžã«éç¹ã眮ãããŸããããããæ£ç¢ºãªæ°ã¯ããããŸããã
ïŒâŠïŒã¯ããçŽ200人ã®ããã¯ãšã³ãéçºè ãããŠãåèšã§çŽ400ã500人ã®éçºè ãããŸãã
èªå® ããä»äºã«æ»ããæ€ç«ããŸããçåãçããŸããèªå® ããããŸãã¯é ãããä»äºãããã®ããšãŠã䟿å©ãªã®ãªãããªã人ã ããã³ãã³ã«èŒžéããã®ã§ãããããRevolutã®å šäœçãªåæ©ã¯ããããŸãããå人çãªæ¥è§ŠãéèŠã§ããã誰ããã®èãããããããªãããšãç¹°ãè¿ãããšãã§ããŸãã人ã ãããžãã¹ãè¡ããšãã次ã®è¡šã«è¿ã¥ããŠäœããæ確ã«ããããšãã§ãããšãã圌ãã¯è£œåãçŽæ¥ãã©ããŒããŸã-ããã¯éèŠã§ããããã¯ãã³ãã³ã«åŒã£è¶ããç§ã®åæ©ã®éèŠãªéšåã§ããããããŠããã¯ç¶ããŠããŸããåæã«ãRevolutã¯æé·ããŸããäžéšã®ããã»ã¹ã¯ãŸã ãã²ããŸãããŠãããŸãããäžéšã¯ä¿®æ£ãããŠããŸããåé 眮ããã»ã¹ã¯ããè€éã«ãªããŸãããçŸåšãããŒãã¯ãŒãCTOããã¯ãæ©èœããªãå¯èœæ§ããããŸããç§ãã¡ã¯åŸã ã«ã¹ã¿ãŒãã¢ããã§ã¯ãªããªãã倧ããªçé¢ç®ãªäŒç€Ÿã«ãªããŸãã
QïŒRevolutæåã«ã€ããŠå€ãã®æªãããšãæžãããŠããŸãã
å·çäžã®èšäºã«ã€ããŠã¯ã³ã¡ã³ãããŸãããã2ã€ã®éèŠãªãã€ã³ãã匷調ããããšæããŸãããŸããåºæ¬çã«åã人ãæå¥ãèšããŸããç§ãåŠæ ¡ã倧åŠã«ããéãåã人ã ããã¹ãŠãã©ãã»ã©é£ãããã«ã€ããŠäžå¹³ãèšããŸãããè±èªãæ·±ãå匷ããŠããåŠæ ¡ã§ããç§åŠå·¥åŠã®ãªã»ãŠã ã§ããç©çå·¥åŠç 究æã§ããç§ã«ãšã£ãŠã¯åé¡ãããŸããã§ããïŒãã¡ãããããã¯ã¯ãŒã«ãªå€§åŠã§ãããå匷ã®é£ããã¯ãããŸãã¯ãŒã«ãªåŠçã§ã¯ãããŸããã§ããããããã§ãæ 床ã®åé¡ã§ãïŒã Revolutã«ã€ããŠãåãã§ããåã人ã ãäžå¹³ãèšããŸãã Revolutã«æ¥ãŠãæªãæåãã«ã€ããŠäžå¹³ãèšã人ã¯ãRevolutã®å€ã§ãäžå¹³ãèšãã§ãããã
2çªç®ã®è³ªåã¯å人çãªå¢çãšå人çãªè©±ã«ã€ããŠã§ããã€ã³ã¿ãã¥ãŒãããŠãããšãã«ãä»äºãšç掻ã®ãã©ã³ã¹ã«ã€ããŠè³ªåããŸããããããŠã圌ãã¯éåžžã«éèŠãªãã¬ãŒãºã§ç§ã«çããŸããïŒããªãããªãµã€ã¯ã«ããããªããªãã誰ãããªãã匷å¶ããŸãããããã§ã®ç§ã®2ã5幎éã®ä»äºã§ã¯ãããã¯ç¢ºèªãããã ãã§ããæçããå人çãªå¢çãããããšãç¥ã£ãŠãã人ã ãããã§åããŠããŸããããšãã°ãç§ã«ã¯åäŸãšå®¶æãããŠã17.30ã«ããŒãã«ããèµ·ãäžãã£ãŠãåºããåäŸãè¿ãã«è¡ããŸãããããç§ã®å¢çã§ããã誰ãç§ã«ãããè¶ããããã«åŒ·å¶ããŸããããã¡ããã誰ããé±æ«ãå«ããŠ1æ¥12æéåãéããŠåããŠããŸããããã¯åœŒãèªèº«ã®éžæã ãšæããŸã-ãããã¯åœŒãã¯å¢çãçãããŠãç°¡åã«ããçŽããã¡ã§ãã
ãªãµã€ã¯ã«ãšä»äºãšç掻ã®ãã©ã³ã¹ã¯ãå人ã®å¢çãããRevolutã®æ¹ãéèŠã§ãã Revolutã¯ç§ãåããäžã§æãæ»æçãªç°å¢ã§ã¯ãããŸããããéåžžã«æ»æçã§ãããããã ããåãéããããããŸããã
補åéçºã®è©±é¡ã«è§ŠããããšæããŸãããç§ã®ç¶æ³ã¯èå³æ·±ããã®ã§ãããç¬ç¹ã§ã¯ãããŸãããç§ã¯æè¡çã«ã¯ãšã³ãžãã¢ã§ããçŽé¢ã§ã®ç§ã®ç«å Žã¯ãããã¯ãšã³ããœãããŠã§ã¢ãšã³ãžãã¢ããšããŠãªã¹ããããŠããŸããå éšã·ã¹ãã ã§ã¯ãç§ã¯è£œåã®ææè ãšããŠãªã¹ããããŠããŸãããã³ãŒããæžããšãã芳ç¹ã§ã¯ãªãã補åãéçºããŠãããšããç¹ã§ãç§ã¯èªåèªèº«ã補åéçºè ã ãšèããŠããŸããåã®å Žæã®ãã¹ã§ãããµãŒã·ã£ã»ã¢ããŸãããããã°ã©ããŒãéçºè ãããããšèšã£ãèšèãæ¬åœã«å¥œãã§ããã€ãŸããããã°ã©ããŒã¯ã³ãŒããäœæãã人ã§ãããéçºè ã¯ãœãªã¥ãŒã·ã§ã³ãæäŸãã人ã§ããç§ã¯ãããå«ãéåžžã«å€ãã®ç¥æµããµãŒã·ã£ã«æè¬ãããã®å£°æã«å®å šã«åæããŸããã¯ãŒã«ãªéçºãœãªã¥ãŒã·ã§ã³ã«ã¯ã1è¡ã®ã³ãŒãããªãå ŽåããããŸãã Google Spreadsheetã«ããã倧éã®ã³ãŒãã®èšè¿°ãåé¿ããããšãã§ããŸããã
ãããç§ã®ç«å Žã§ããç§èªèº«ãJavaã®çµéšããããŸãã誰ããç§ãJavaã«æ¥ãçç±ãå°ããŸãïŒç§ã¯æåã«ãªãªã³ããã¯ãå«ãåŠæ ¡ã§ãããå匷ããŸãããç§ã¯ããã°ã©ãã³ã°ãšã¢ã«ãŽãªãºã ãæ°åŠãšç©çåŠã®åŠäœãæã£ãŠããŸããã趣å³ãä»äºã«å€ããŸãããããã°ã©ãã³ã°ã¯ãåé¡ã解決ãããšãã芳ç¹ããç§ã«ãšã£ãŠèå³æ·±ããã®ã§ããããã¯éåžžã«ã¯ãŒã«ãªèªååã§ãããéåžžã«ã¯ãŒã«ãªã¹ããŒãªãŒã§ããã³ãŒãèªäœã®èšè¿°ãã¹ã±ãŒãªã³ã°ãKafkaãPostgresãã·ã£ãŒãã£ã³ã°-ããã¯ãã¹ãŠã¯ãŒã«ã ãšæããŸãããåãKafkaã解決ããããžãã¹äžã®åé¡ã«ééãããŸã§ããã«è¡ããŸããããã®ã¢ãããŒãã¯ãç§ã ãã§ãªããç§ãç¹åŸŽã¥ããŸããæ¥çã§ã¯è£œåéçºè ã匷調ããåŸåããããããã¯éèŠã§ããããã¯æªæ¥ã§ã¯ãããŸãããããã¯åãªãéžæã§ãã
QïŒä»ããã°ã©ãã³ã°ããããšããŠããŸããããã¥ãŒããã¹ãã§ããæ¬ãèªãã®ã¯é£ããã§ãã
ç§ã¯äººé¡ãæè¡è ãä¿¡ããŠããŸãããããªããäœããç解ããããªã-ãããåãããããç解ããŠãã ããããããŠãããªããæ¬ãèªãã ãèšèªãåŠãã ãããã人éçãã«èå³ããããªããåã£ãŠæããŠãã ãããããªããåªåããŠããããšãããã ãã§ãã
ç§èªèº«ã家æãèšç»ããããã«ãã®æ±ºå®ãäžããŸãããã¢ã¹ã¯ã¯ã§ã¯ããæ°ã«å ¥ãã®æè²éšéãããããã°ã©ãã³ã°ã§ãéã皌ãæ¹ãç°¡åã§ããã
以åã«èµ·ãã£ãããš
- Facebookã®ã·ãã¢ãœãããŠã§ã¢ãšã³ãžãã¢ãIlona Papava-ã€ã³ã¿ãŒã³ã·ãããååŸããæ¹æ³ããªãã¡ãŒãååŸããæ¹æ³ãããã³äŒç€Ÿã§åãããšã«é¢ãããã¹ãŠ
- Boris YangelãYandex ML-ãšã³ãžãã¢-ããŒã¿ãµã€ãšã³ãã£ã¹ãã®å Žåããã ã¹ãã·ã£ãªã¹ãã®ä»²éå ¥ããããªãæ¹æ³
- Alexander KaloshinãEOLastBackend-ã¹ã¿ãŒãã¢ãããç«ã¡äžããäžåœåžå Žã«åå ¥ãã1500äžã®æè³ãåŸãæ¹æ³ã
- , Vue.js core team member, GoogleDevExpret â GitLab, Vue Staff-engineer.
- , DeviceLock â .
- , RUVDS â . 1. 2.
- , - . â .
- , Senior Digital Analyst McKinsey Digital Labs â Google, .
- «» , Duke Nukem 3D, SiN, Blood â , .
- , - 12- â ,
- , GameAcademy â .
- , PHP- Badoo â Highload PHP Badoo.
- , CTO Delivery Club â 50 43 ,
- , Doom, Quake Wolfenstein 3D â , DOOM
- , Flipper Zero â
- , - Google â Google-
- .
- Data Science ? Unity