🍿 2022-09-16 16:03:13 - Paris/France.
M'nthawi ya cryptocurrencies, anthu akufunafuna njira zosavuta zopezera ndikuwongolera ndalama pa intaneti. Mosafunikira kunena, palinso anthu omwe akufuna kupezerapo mwayi.
Izi ndi zomwe zidachitika pachiwonetsero chodziwika bwino chozungulira kampani yaku Germany fintech Wirecard. Kampani yomwe kale inali yokondedwa kwambiri pazachuma ndi zaukadaulo idavumbulutsidwa mu 2020 chifukwa chazakatangale zamabizinesi ndi malipoti azachuma, ndipo idasokonekera pomwe zambiri zidadziwika.
Munthu amene poyamba adaulula zachinyengo izi anali mtolankhani wa Financial Times Dan McCrum (mutha kuwerenga ena mwa malipoti ake 96 pankhaniyi) ndipo tsopano buku lake, Amuna a Ndalama: Kuyamba kotentha, chinyengo cha madola biliyoni, kumenyera choonadiidapangidwa kukhala filimu ya Netflix, Skanda! Kugwa kwa Wirecard. Mofanana ndi kutsika kwa masheya a Wirecard, ndizomwe zidachitika komanso chifukwa chake.
Netflix
Kodi Wirecard ndi chiyani?
Wirecard idayamba mu 1999 ku Munich ndipo mu 2002 Marcus Braun, mlangizi wakale wa KPMG, adalembedwa ntchito ngati CEO. Panthawiyo, kampaniyo imayang'ana kwambiri popereka ntchito zolipirira pa intaneti kwa mabizinesi omwe mabungwe azachuma ambiri angakane, monga zolaula kapena njuga.
Mu 2005, Wirecard adalumikizana ndi Electronic Business Systems ndipo, potenga mndandanda wa gulu loyimbira foni lomwe tsopano latha, adatha kupita poyera pa Frankfurt Stock Exchange ndikupewa IPO. Patatha chaka chimodzi, adalowa mu gawo la banki pogula banki yamagetsi ya XCOM, yomwe inalola kuti ipeze chilolezo cha Visa ndi Mastercard, chomwe chinamulola kuti apereke ndi kusamalira ndalama kwa amalonda. Panthawiyi, anali kuyang'anira ntchito zosakanizidwa zovuta kwambiri, zomwe zikutanthauza kuti zinali zovuta kuwerenga ndikuwunika maakaunti ake. Ndemanga zake zachuma zinalinso zovuta, nthawi zambiri zimatengera zomwe kampaniyo idatumiza kwa osunga ndalama.
mbendera zofiira
Mabelu odzidzimutsa analira koyamba mu 2008, pomwe tcheyamani wa bungwe la omwe ali ndi masheya ku Germany adapeza zolakwika pazachuma ndipo EY adaitanidwa kuti aziyang'anira maakaunti akampani.
Komabe Wirecard idapitilira, tsopano ikugwira ntchito mu Chingerezi ndikukhazikitsa kufalikira kwapadziko lonse lapansi. Atakweza ma euro 500 miliyoni kuchokera kwa osunga ndalama, adagula makampani olipira aku Asia ndikukhazikitsa maziko ku Singapore. Kenako idapeza masitolo masauzande ambiri, kuphatikiza Aldi, Lidl ndi ndege zingapo.
La Financial Times adayamba kufotokoza za bizinesiyo mu 2015 ndipo adasindikiza zolemba mu "House Of Wirecard". Koma atayang'ana za kusemphana kwa € 250 miliyoni m'mawu awo, nyuzipepalayo idabwezedwa ndi maloya a Wirecard. J Capital Research inanenanso kuti ntchito zake ku Asia zinali zazing'ono kusiyana ndi zomwe zinkayembekezeredwa, zomwe Wirecard adatsutsa, ndipo adapita patsogolo kwambiri ku America pogula bizinesi yolipiridwa kale kuchokera ku Citibank, kulola kuti ayambe ku United States.
Mu 2018, panali mphekesera za ntchito yomwe ikuchitika padziko lonse lapansi. Ku Singapore, woululira mluzu - yemwe adatuluka ngati Pavandeep (Pav) Gill mu 2021, akuti Wirecard "adayesera kundiwononga" - adawulula mapulani "wokweza" ndalama potumiza mwachinyengo ku India kudzera mwa munthu wina. Kufufuza kunasesedwa pansi pa rug ndipo m'chaka chomwecho kampaniyo inali yamtengo wapatali pa € 24 biliyoni, ndi gawo laumwini la € 1,6 biliyoni ndi Braun. Kampaniyo inkawoneka kuti yakonzeka kukhala unicorn waku Germany, kupikisana ndi makampani ena akuluakulu aku US ku Silicon Valley. Monga a Jürgen Trittin, nduna yakale ya boma komanso membala wa Green Party, pambuyo pake adanenera Republic New pa chidaliro cha dziko mu kampani: "Palibe amene ankafuna kuona kuti mfumu inali maliseche".
Mu 2019, Germany's Federal Financial Supervisory Authority, BaFin, idayamba kufufuza Wirecard ndikuyiletsa kuti isachepetse magawo kwa miyezi iwiri, kuopa kuti ikusokoneza msika.
Ngakhale kuti FT idawulula kuti theka la bizinesi ya Wirecard ndi yakunja - chodabwitsa, "Wirecard associate" idatsogolera mtolankhani kwa woyendetsa ngalawa wopuma pantchito ndi banja lake ku Philippines - adakwanitsabe kukambirana za ndalama zokwana 900 miliyoni za euro. banki yaku Japan Softbank.
Makhadi anayamba kugwa chaka chomwecho. Wirecard akuti "kulumikizana ndi ogulitsa ang'onoang'ono" ndikusankha ofufuza achinsinsi kuti afotokoze kapena kufufuza za nkhaniyi, koma kafukufuku adapeza phindu lochulukirapo komanso kuwonekera kwamakasitomala. Bungwe la FT linanena kuti "ndalama zomwe zimasungidwa muakaunti ya escrow yoyendetsedwa ndi matrasti ndi gawo la ndalama zomwe zafotokozedwa m'makalata awo azachuma" (mwanjira ina, kusokoneza akaunti kofala).
KPMG idapatsidwa ntchito yofufuza, pamodzi ndi EY, omwe adatumizidwa zikalata zochokera ku Philippines zosonyeza kuti ma euro 1,9 biliyoni adasungidwa m'mabanki awiri mdzikolo. Lipoti la KPMG litatulutsidwa mu Epulo, linanena kuti "silinathe kutsimikizira" kuti mapangano ambiri opindula anali owona.
Mu June 2002, dandaulo lamilandu lidaperekedwa ku BaFin chifukwa cha mawu osocheretsa omwe adanenedwa kwa osunga ndalama pa Wirecard lipoti la KPMG lisanatulutse. Maofesi a Wirecard adagwidwa ndipo ozenga milandu aku Munich adatsegula kafukufuku wamilandu ku Braun. Patangotha masiku ochepa, itatsala pang'ono kutulutsa kafukufuku wake, Wirecard m'malo mwake adalengeza kuti inali yochepa 1,9 biliyoni ya euro ndipo magawo ake adayamba kugwa.
Pa June 19, Braun adasiya ntchito, ndipo patatha masiku atatu Wirecard adawulula kuti ma euro 1,9 biliyoni "mwina kulibe", kutchula koyamba za ntchito yayikulu yachinyengo yazaka zambiri yomwe iyenera kukhala pachiwopsezo, ndikulengeza kuti anthu ake am'mbuyomu. ziwerengero zachuma sizingakhale "zodalirika". Braun amamangidwa chifukwa chokayikira zowerengera zabodza komanso kusokonekera kwa msika, ndipo kampaniyo idalengeza kuti yatha masiku awiri pambuyo pake.
Braun ali kuti tsopano?
Mu Marichi 2022, ofesi ya woimira boma ku Munich idaimba mlandu Braun chifukwa chachinyengo, kuphwanya chikhulupiriro komanso kuwononga ndalama, ndipo pano akuyembekezera kuzengedwa mlandu. Braun akutsutsa milanduyi ndipo akunena kuti nayenso ndi wachinyengo.
Pakadali pano, COO wakale wa Wirecard Jan Marsalek adasowa atangochotsedwa ntchito pakampaniyi ndipo pano akufunidwa ndi apolisi aku Germany. Iye ali pamndandanda wa Europol wa othawa omwe akufunidwa kwambiri ku Europe.
Monga zasonyezedwa L'économiste “Ofufuza za misika ya masheya, oyang'anira katundu, owerengera ndalama ndi owongolera sakutuluka mopepuka m'nkhaniyi ... aliyense amene ali ndi chikoka pakampani, kuyambira mamembala a board mpaka ma auditor ndi owongolera, akuwoneka kuti alibe chidwi. M'zochitika zakuda, zochita za ena zingakhale zakuphatikizika, ngakhale zaupandu. »
Skanda! Kugwa kwa Wirecard Itha kuwoneka pa Netflix.
SOURCE: Ndemanga za News
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