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And it feels like a smartphone becomes an essential item. | Además, todo indica que los teléfonos inteligentes ya son esenciales. | en-es |
How do we address that? | Bunu nasıl ele alabiliriz? | en-tr |
DS: Yeah. | DS: Evet. | en-tr |
I do think that a mobile is really a key to unlocking this. | es clave para abordar esta cuestión. | en-es |
I've often said that, really, one of the big moon shots for the financial services industry is this idea of not just financial inclusion. | Sempre disse que uma das grandes sacadas para o setor de serviços financeiros é a ideia não só da inclusão financeira. | en-pt-br |
Most people define financial inclusion by somebody having access to a bank account, but just having access to a bank account is not nearly enough. | Muchos creen que la inclusión financiera es la posibilidad de que la gente acceda a una cuenta bancaria, pero el acceso a una cuenta bancaria no es suficiente. | en-es |
I think what we need to aim for is how do we think about financial health? | Acho que precisamos visar como pensamos em saúde financeira. | en-pt-br |
How do we make sure that people have the ability to have some wherewithal to create savings to withstand some kind of financial shock to the system? | Como podemos garantir que as pessoas tenham alguns meios para criar economias e suportar algum tipo de choque financeiro no sistema? | en-pt-br |
I do think that mobile phones will be the way that this occurs and will be very inclusive going forward. | Bence bu, cep telefonları aracılığıyla gerçekleşecek ve ilerde çok kapsayıcı olacak. | en-tr |
There are going to be something like six billion smartphones in the world over the next several years. | Haverá algo como 6 bilhões de smartphones no mundo nos próximos anos. | en-pt-br |
The cost of a smartphone is plummeting. | O custo de um smartphone está despencando. | en-pt-br |
I think in India now you can buy a smartphone for under 25 dollars. | Acho que na Índia dá para comprar um smartphone por menos de US$ 25. | en-pt-br |
So you're going to have ubiquity of smartphones across the world, and, in fact, what's very interesting is, in lower-income populations, there is a greater penetration of smartphones than in higher income because the smartphone is the only device that somebody has. | Então você terá onipresença de smartphones no mundo todo, e é muito interessante que, em populações de baixa renda, há uma maior penetração de smartphones do que nas de renda mais alta, porque é o único dispositivo que possuem. | en-pt-br |
Higher-income individuals may have desktops or iPads, that kind of thing, but lower income can afford one device, and they choose it to be a smartphone because they can get and live their life through that one device. | Indivíduos de alta renda podem ter computadores ou iPads, esse tipo de coisa, mas os de renda baixa podem comprar só um dispositivo e eles escolhem um smartphone, porque podem viver com esse dispositivo. | en-pt-br |
And think about that one device. | Con ese único dispositivo | en-es |
Really, you have all the power of a bank branch in the palm of your hands. | temos todo o poder de uma agência bancária na palma da mão. | en-pt-br |
And when you can start to create distribution of services, financial services, through a smartphone, you then are able to manage and move money in ways that we couldn't do traditionally. | Y cuando existe la posibilidad de distribuir servicios financieros a través del teléfono, podemos manejar y movilizar dinero de una manera que tradicionalmente no se podía hacer. | en-es |
In the physical world, if you get a check, you need to then go to a cash checking place to cash it. | En el mundo físico, si nos pagan con un cheque, tenemos que ir a un lugar para que nos den el dinero. | en-es |
You stand in line for 30 minutes. | Hay que hacer fila y esperar 30 minutos, | en-es |
They then charge you anywhere between two and five percent to just change the format of currency from a check to cash. | Daha sonra dövizi çekten nakde dönüştürmek için sizden yüzde iki ile yüzde beş arası ücret talep ederler. | en-tr |
And then you have cash and you want to pay a bill. | E então você deseja pagar uma conta. | en-pt-br |
You need to stand in line again at a bill pay, and then you have to pay maybe 10 dollars for an individual bill as a fee. | Yine bir fatura ödeme noktasında sırada beklemeniz gerekir ve her bir fatura için sizden yaklaşık 10 dolar ücret keserler. | en-tr |
If you do that via a smartphone, I believe that not only do you save a tremendous amount of time, because if you're outside the financial system, managing and moving money is practically a part-time job to go and do that, so not only do you save time and return time to individuals, but you can cut the cost of transactions by anywhere between 50 and 75 percent. | Bunu akıllı telefon aracılığıyla yaparsanız inanıyorum ki yalnızca zamandan büyük ölçüde tasarruf etmezsiniz çünkü finansal sistemin dışındaysanız parayı yönetmek ve taşımak pratik olarak bir yarı zamanlı iştir, gitmek ve bunu yapmak, bu yüzden bireylere yalnızca zaman kazandırmıyor fakat aynı zamanda işlem ücretlerini yüzde 50 ile 75 arasında bir oranda düşürüyorsunuz. | en-tr |
And remember that $140 billion number that I gave you? | Y ¿recuerda los USD 140 000 millones que mencioné al principio? | en-es |
And that's just in the US. | Pues bien, eso es solo en EE. | en-es |
Imagine if you could cut that in half and return that to the most vulnerable populations that need it most. | Imagine se pudesse cortar isso pela metade e devolver às populações mais vulneráveis que tanto precisam. | en-pt-br |
So I think there's tremendous promise in the use of technology to help provide both inclusion and make sure there aren't digital haves and have-nots, but also to start on this journey towards financial health. | En definitiva, creo que el uso de la tecnología es tremendamente promisorio para contribuir a la inclusión y asegurarnos de que no haya ricos y pobres en términos digitales, y también para empezar a transitar este camino hacia la salud financiera. | en-es |
CH: Yeah, I think a lot of people don't realize that you don't need a bank account or even a credit card to open a PayPal account, which is super-interesting. | CH: Acho que muitas pessoas não percebem que não precisa de conta bancária ou cartão de crédito para abrir uma conta do PayPal, o que é superinteressante. | en-pt-br |
I mean, do you see a time where traditional banks don't exist or at least play a much smaller role in the financial services industry? | Yani, geleneksel bankaların olmadığı veya finansal hizmet endüstrisinde en azından daha küçük bir rol oynadığı bir zaman görüyor musun? | en-tr |
DS: Well, I think the entire financial services industry is evolving right now, and so I think banks will always play a role, or as far into the future as I can see, but it will evolve. | DS: Todo o setor de serviços financeiros está evoluindo agora, e acho que bancos sempre terão um papel, pelo menos no futuro que consigo imaginar, mas vão evoluir. | en-pt-br |
I mean, think about basic credit cards. | Pense em cartões de crédito básicos. | en-pt-br |
Today, you think about a credit card, and you think about it predominantly as a form factor, something that you pull out of your pocket. | Bugün bir kredi kartını düşünüyorsunuz ve onu genelde şekil faktörü olarak, cebinizden çıkardığınız bir şey olarak düşünüyorsunuz. | en-tr |
Sometimes there's status associated with what you're pulling out of your pocket, depending on the color of that credit card. | algo que, a veces, indica nuestro estatus según sea el color de la tarjeta. | en-es |
But really I think those form factors start to go away and become embedded in digital wallets. | Fakat bence bu şekil faktörleri yok olmaya başladı ve dijital cüzdanlara yerleşmeye başladı. | en-tr |
So credit will always be an important element. | El crédito siempre será un elemento importante. | en-es |
You know, most people in the world, it isn't that their cash outlays exceed their cash intake. | Para a maioria das pessoas no mundo, as despesas delas não excedem as receitas. | en-pt-br |
It's just that they're not evenly distributed. | Yalnızca aynı oranda dağıtılmazlar. | en-tr |
So there are times where your cash outflows exceed your cash intake, and there, you need some form of credit to make up that difference. | Há momentos em que as saídas excedem as entradas, e aí você precisa de algum tipo de crédito para compensar essa diferença. | en-pt-br |
And so I think forms of credit will always be an important element. | para cubrir esa diferencia. Por eso creo que los créditos siempre serán un elemento importante. | en-es |
But the way that you extend credit will change going forward, the way that you think about scoring people in terms of can they handle credit. | Mas a forma de concedê-lo mudará daqui para frente, o método que classifica as pessoas em termos de quem tem direito ao crédito. | en-pt-br |
You know, traditionally, in more developed countries, you use what's called FICO scores or bureau scores, but those ignore so many of the financial transactions that people who are outside the financial system do, like paying rent or paying their bills on time. | Tradicionalmente, en los países más desarrollados, se usa el puntaje FICO, que evalúa la solvencia crediticia. Pero esa calificación ignora muchísimas transacciones financieras realizadas por quienes están fuera del sistema financiero, como el pago a término de una renta, o de las facturas. | en-es |
And with the data and information and machine learning around that -- and we need to be careful that there aren't biases built into those algorithms -- we can start to do things that could never be done before. | Com os dados, informações e o aprendizado de máquina precisamos ter cuidado pra que não haja preconceitos incorporados nesses algoritmos. Podemos começar a fazer coisas que nunca fizemos. | en-pt-br |
I'll just give you one quick example. | Vou apenas dar um exemplo rápido. | en-pt-br |
We're one of the largest providers of working capital to small businesses in the world. | Dünyada küçük işletmelere işletme sermayesi sağlayan en büyük şirketlerden biriyiz. | en-tr |
We're probably one of the top five in the United States. | Provavelmente somos um dos cinco primeiros nos Estados Unidos. | en-pt-br |
So we've done over 14, 15 billion dollars of lending of working capital to small businesses. | Küçük işletmelere işletme sermayesi olarak yaklaşık 14, 15 milyar dolar verdik. | en-tr |
Seventy percent of that goes to the 30 percent of counties where 10 or more banks have closed branches. | El 70 % de ese monto se destinó al 30 % de los distritos donde 10 o más bancos han cerrado sucursales. | en-es |
And where do banks close branches? | E onde os bancos fecham agências? | en-pt-br |
Banks close branches in neighborhoods where the median income is below the national average, which makes sense because for a branch to be profitable, they need a certain amount of deposits for that branch to actually be profitable. | Cierran sus sucursales en barrios donde el ingreso medio es inferior al establecido por el gobierno nacional, lo cual es lógico, porque para que la sucursal de un banco sea rentable, necesita una cierta cantidad de depósitos. | en-es |
And so, in lower income neighborhoods, branches are starting to close. | Por ese motivo, en los barrios de bajos ingresos, las sucursales han empezado a cerrar. | en-es |
So why are 70 percent of our loans in those lower income neighborhoods? | Por que 70% de nossos empréstimos estão nesses bairros de baixa renda? | en-pt-br |
It's because we do machine learning. | Çünkü makine öğrenimi yapıyoruz. | en-tr |
We don't even look at FICO scores or bureau scores. | FICO puanlarına veya büro puanlarına bile bakmıyoruz. | en-tr |
We look at a number of different data elements. | Analisamos vários elementos de dados diferentes. | en-pt-br |
And so we can lend into those lower income neighborhoods where nobody else can, and when we do that, the average sale of a small business goes up by 22 percent. | Böylelikle başka kimsenin veremeyeceği o düşük gelirli bölgelere kredi verebiliyoruz ve bunu yaptığımızda küçük bir işletmenin ortalama satışı yüzde 22'ye kadar artıyor. | en-tr |
And imagine the impact that has on communities and neighborhoods where they can finally get the working capital to expand those small businesses. | Imaginemos el impacto que esto tiene en barrios y comunidades cuando con ese capital de trabajo pueden expandir la actividad comercial. | en-es |
And I think that's a perfect example of the promise of what technology and financial services married together can do. | Teknoloji ve finansal hizmetler bir araya geldiğinde gerçekleştirebilecekleri vaat için bunun harika bir örnek olduğunu düşünüyorum. | en-tr |
CH: I think it's so interesting. | CH: Bu çok ilginç. | en-tr |
I'm curious. | Merak ediyorum. | en-tr |
The tech industry has been criticized for amassing power over society, not that the banking industry isn't criticized. | Teknoloji endüstrisi, toplum üzerinden güç toplamasıyla eleştirildi, tabii banka endüstrisi de eleştirilmedi değil. | en-tr |
But what do you say about people who might be worried about tech companies taking on even more influence and control over what's happening in their lives? | Fakat teknoloji şirketlerinin hayatlarında olan şeyler üzerinde daha fazla etki ve kontrol sahibi olmalarından endişe duyan insanlara ne söylemek istersin? | en-tr |
Well, I think what's so important for any company and tech companies is to respect the boundaries in terms of what consumers expect from a company that serves them. | DS: É muito importante para qualquer empresa, e para as de tecnologia respeitar os limites em termos do que os consumidores esperam de uma empresa que os atende. | en-pt-br |
I think the most important brand attribute that a company can have is trust, and trust comes from the understanding that a company respects your privacy and will not sell your data or information, that it can perform transactions in a secure manner so that your transactions are protected. | O atributo de marca mais importante de uma empresa é a confiança, que vem da compreensão de que deve haver respeito pela privacidade das pessoas e de que ela não venderá os dados ou informações delas, realizará transações de forma segura e que elas serão protegidas. | en-pt-br |
And I think those are kind of foundational, and I think any company needs to respect that. | São coisas fundamentais e qualquer empresa precisa respeitar isso. | en-pt-br |
They need to assure that consumers have the privacy that they desire and the safety and security that is required to serve them the right way. | Deben garantizar a los consumidores la privacidad que ellos pretenden, además de la seguridad y la protección necesarias para darles un servicio correcto. | en-es |
CH: And obviously, you've gained a lot of trust with the US government. | CH: Açıkçası ABD hükûmetinin güvenini büyük ölçüde kazandın. | en-tr |
Maybe we could talk a little bit about how you've been working with them to distribute some money through the Paycheck Protection Program. | UU. Quizá nos puede hablar de ese trabajo conjunto en la distribución de dinero a través del "Programa de protección del salario". | en-es |
And I was curious, I've been reading about it, and it sounds like 30 million-ish small businesses in the United States are able to get those funds, but only six million have received the loans. | Merak ediyorum, hakkında yazılar okuyorum ve Birleşik Devletler'de 30 milyon küçük işletme bu sermayeyi alabildi fakat yalnızca altı milyon krediyi aldı. | en-tr |
What do you think's happened? | Ne olduğunu düşünüyorsun? | en-tr |
DS: Yep. | DS: Sí. | en-es |
Well, I think initially, the government -- and I give them a lot of credit -- they responded quite quickly with a 3 trillion dollar stimulus package. | DS: Inicialmente, o governo, e eu lhes dou muito crédito, respondeu muito rapidamente com um pacote de estímulo de US$ 3 trilhões. | en-pt-br |
These are massive numbers that were happening in very condensed time frames. | Bunlar, çok yoğun zaman çerçevesinde gerçekleşen çok büyük sayılar. | en-tr |
We were working with various agencies, very closely with the Treasury Department, in terms of distribution of the stimulus. | Estávamos trabalhando com várias agências, muito junto ao Departamento do Tesouro, em termos de distribuição do estímulo. | en-pt-br |
And they were working literally night and day on this. | Literalmente, trabajaron día y noche en esta iniciativa. | en-es |
The Small Business Administration was working night and day. | La Administración de Pequeñas Empresas trabajó las 24 horas. | en-es |
But these are volumes that have never been seen before running through these systems, and the first tranche of those loans was very difficult. | Mas esses são números que nunca foram vistos antes por esses sistemas, e a primeira parcela desses empréstimos foi muito difícil. | en-pt-br |
There were a lot of technical difficulties in getting those out to small businesses. | Hubo muchos obstáculos técnicos para conseguirlos | en-es |
And that first tranche was not enough, and it was quickly used, and there are still a host of small businesses that needed money. | Essa primeira parcela não foi suficiente, foi rapidamente usada e ainda havia muitas pequenas empresas que precisavam de dinheiro. | en-pt-br |
The second tranche that came out is still actually in effect. | La segunda entrega aún está en marcha. | en-es |
It has not been used up, and we are continuing to lend on that. | Henüz tükenmedi ve ondan vermeye devam ediyoruz. | en-tr |
We've been able to lend to some 50,000 small businesses. | Conseguimos emprestar para cerca de 50 mil pequenas empresas. | en-pt-br |
We've lent out about 1.7 billion dollars, and our loan size, which really I'm proud of, is about 31,000 dollars. | Yaklaşık 1,7 milyar dolar verdik ve kredi boyutumuz, ki bununla gerçekten gurur duyuyorum, yaklaşık 31.000 dolar. | en-tr |
The average that a bank does is between 100 and 125,000 dollars. | Bir bankanın verdiği ortalama 100 ile 125.000 dolar arasında. | en-tr |
So we are lending to these true small businesses on Main Street, and I'm proud that we've been able to go do that, and I think we should give credit to the US government and governments around the world that are taking this quite seriously and putting a tremendous amount, a percentage of their GDP, towards the rescue of small businesses and towards trying to take care of consumers that find themselves in really difficult straits right now. | De manera que estamos otorgando préstamos a pequeñas empresas que están en áreas de gran actividad comercial. Siento un gran orgullo de poder hacerlo, y creo que es justo reconocer al gobierno de EE. UU. y de otras partes del mundo por tomar el tema con seriedad e invertir un altísimo porcentaje de su producto bruto interno para rescatar a las pequeñas empresas y cuidar al consumidor, que actualmente se encuentra en verdaderos aprietos. | en-es |
And we've been trying to, instead of people mailing out checks, which is ridiculous in today's world -- people aren't living where they think they're going to be living, they're with their parents or with friends or in a different location, and mailing a check and then having to take a check and go somewhere, which you can't even go if you're sheltered in place, to cash it, doing that electronically just makes a ton more sense -- and we've been working with the IRS and Treasury and other government agencies to distribute that electronically. | E estamos tentando algo: em vez enviar cheques às pessoas, o que é ridículo no mundo de hoje, pois elas não estão morando onde gostariam de estar, estão com os pais, amigos ou em um local diferente. Enviar um cheque e fazer com que a pessoa tenha que ir sacá-lo que talvez nem possa ir, pois precisa permanecer onde está... Cuidar disso eletronicamente faz muito mais sentido. Temos trabalhado com a Receita Federal, o Tesouro e outras agências governamentais para distribuir o auxílio eletronicamente. | en-pt-br |
CH: Yeah, that makes a lot of sense. | CH: Claro, es decididamente más lógico. | en-es |
It's a massive, massive project for all of us. | Es un proyecto de alcance realmente masivo que nos beneficia a todos. | en-es |
Whitney is here with some questions from our community. | Whitney, topluluğumuzdan birkaç soru sormak için burada. | en-tr |
DS: Hello, Whitney. | DS: Merhaba Whitney. | en-tr |
Whitney Pennington Rodgers: Hello Dan. How are you? | Whitney Pennington Rodgers: Merhaba Dan. | en-tr |
So the community has some interesting questions following up on what you were talking about earlier about security. | Nasılsın? Daha önce güvenlik konusunda söylediğin şeyleri takiben, topluluğumuzun birkaç ilginç sorusu var. | en-tr |
We have a question from Marc -- and I apologize in advance if I mispronounce your name, Marc -- Marc Vanlerberghe: "The move to digital cash could be one more step towards creating the perfect surveillance state. | Bir sorumuz Marc'tan geliyor -- ismini yanlış okuyorsam şimdiden özür dilerim Marc -- Marc Vanlerberghe: "Dijital nakde geçmek, gözetim devleti yaratmaya yönelik bir adım daha olabilir. | en-tr |
How do we avoid this from happening?" | Como evitamos que isso aconteça?" | en-pt-br |
DS: Yeah, well, this is what I was talking about, Marc, before. | DS: Sí, Marc. Es lo que dije antes. | en-es |
I mean, I think this idea of trust is incredibly important. | Acho que essa ideia de confiança é incrivelmente importante. | en-pt-br |
I think the only companies that will be successful -- and I think we hold a lot of this in our own hands as consumers, by the way; we need to be aware of data and information that we're giving and to what companies we're doing that with -- but I think the companies that will be successful are those that have a high degree of trust, and trust happens by protecting your privacy but also very much assuring that your transactions in a digital world are safe and secure. | As únicas empresas que terão sucesso... e temos muito em nossas mãos como consumidores, a propósito. Precisamos estar cientes dos dados e informações que estamos disponibilizando e para quais empresas. As empresas com um alto grau de confiança serão bem-sucedidas, protegendo a privacidade, mas também assegurando que transações no mundo digital sejam seguras e protegidas. | en-pt-br |
I mean, the idea of cybersecurity has always been important, but is ever more important as we move from physical to digital, and that's where large data sets are important, because a consumer's identity is stolen every two seconds. | El tema de la ciberseguridad siempre ha sido importante, pero cobra una relevancia aún mayor en la transición de lo físico a lo digital. Aquí es donde adquieren importancia los grandes conjuntos de datos, porque se roba la identidad del consumidor cada dos segundos. | en-es |
Every two seconds, some consumer has their identity stolen. | A cada dois segundos, um consumidor tem a identidade roubada. | en-pt-br |
And so we have to be, for instance, we have to be sure that even when you sign in with your credentials, they're actually real credentials. | Bu yüzden, örneğin, sizin kimlik bilgilerinizle giriş yapsak bile, o bilgilerin gerçek kimlik bilgisi olduğundan emin olmalısınız. | en-tr |
We have to look at 30 to 100 different elements of that transaction to make sure it's really you before we let that money out of your account. | Tenemos que analizar de 30 a 100 datos de esa transacción para asegurarnos de que sean fidedignos antes de debitar el dinero de la cuenta del consumidor. | en-es |
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